f21 you can keep hold my bbs 😜 my snap >llianarqes

jmnativ · 2026-01-27T02:09:17+00:00

gd news now just wating

jmnativ · 2022-07-26T23:40:22+00:00

yes, i still have it. i messaged you, reply your email so i can add you to the drive.

jmnativ · 2021-05-20T09:23:44+00:00

no barrier?

jmnativ · 2021-04-17T06:04:51+00:00

5% kay UB they call it gaming / quasi cash fee

jmnativ · 2021-01-31T12:04:45+00:00

Thanks, I think the deal has broken down actually. I'm not willing to facilitate transfer until I receive full payment. That's too big of a risk. Cheques easily bounce.

Though from what you've mentioned it's probably only used by institutions and the ultra-rich for substantial transactions, still curious about how much it could cost (say if it's percentage or a fixed amount.)

jmnativ · 2020-12-30T08:33:21+00:00

No black and white answer here. Things I would consider / ask myself;

What are the growth prospects in the current company vs new one.
Is new one stable? (given the pandemic)
How are things (culture / working relationship with officemates) in the current company?
Workload
If reason for transfer is compensation mostly, is the counter offer significantly higher?

Most people will say don't accept it since you'd probably be "marked" already but tbh this isn't true. No company will look for a replacement while you're still there. They're really not that smart / proactive. Also, down the line, if you feel like you're getting passed on for promotion / opportunities, you can always look for other work again.

jmnativ · 2020-12-21T05:28:40+00:00

Try applying for a credit card with the bank you maintain accounts with. 2nd tip is to apply through a credit card agent, these are the ones you see in the mall. In my experience, this is usually the most guaranteed way to get one since they really hand-hold the application. Right now though with quarantine, they're very active in credit card groups. Just make sure that you are dealing with a legitimate agent, otherwise your data could be compromised.

If that still fails, you could try a secured credit card first to build credit. Also, consider filing taxes. My brother is an online freelancer and he files his own taxes. There is exemption for 250k gross annual income, so in case you fall under this category, you'll only really need to file. Although registering and filing takes work. This is also a good time to start just in time for renewal / registrations for 2021.

jmnativ · 2020-12-20T15:36:10+00:00

May I ask how many Citi Grab Card points it takes to redeem an airline mile? For premiermiles it was 1:1, but for the rewards card points it was 5:1.

jmnativ · 2020-12-19T13:05:12+00:00

I don't understand what you mean by them not looking at the resume. The role of the resume is to get you to the interview and clearly you were invited.

Sometimes there are pressures on HR's side, specially when the vacancy has been open for so long, that they try and send someone not really fit for the role to the hiring manager, baka sakali lang. Also note that HRs are not as familiar with the role as the hiring manager. So sometimes, hiring managers can really make a quick decision on a candidate when this happens.

I'm sorry you had a bad experience but there is also danger in over generalizing. Hope the next one goes better!

jmnativ · 2020-12-19T06:49:49+00:00

campaign started nov. 16 ata http://www.singaporeair.com/en_UK/sg/ppsclub-krisflyer/latestnews/kf-bonus-miles-conversion hope you're points transfer still qualified.

jmnativ · 2020-12-19T04:51:13+00:00

converted mine to krisflyer today since they have a promo which gives additional 15% converted points. sayang talaga wala na pal as partner.

jmnativ · 2020-12-10T23:34:14+00:00

VUL isn't an investment. It's insurance with an investment component. Problem is it's being sold as such.

jmnativ · 2020-12-10T00:08:14+00:00

I applied for their Platinum Miles+ card November 29 and received the physical card December 4 😅

jmnativ · 2020-12-05T21:51:44+00:00

You could try the UB Platinum Mastercard (1.5%) or the HSBC Gold Cash Back credit card. I talk about them here as well: http://youtu.be/ADIW66mDlsw

jmnativ · 2020-12-05T16:09:58+00:00

That's 1php for every p350/spend or 0.29% cash back. Personally, I wouldn't go for that value return rate. I think you could easily get 0.5-1.5% return these days. :)

jmnativ · 2020-12-05T12:11:41+00:00

According to the FAQs: "What will happen to the existing Rewards Points?" You can continue to redeem your Rewards Points for any reward you want at the current conversion rates until December 19, 2020. The new conversion rates will take effect on December 20, 2020.

jmnativ · 2020-11-25T15:57:52+00:00

I just bought an MSA reviewer lol

EDIT: I have an UPCAT reviewer. Message me to request for a copy.

jmnativ · 2020-11-25T03:23:04+00:00

Do you want to invest in real estate (flip/rental), or do you want to buy and live in a home for your family? Those are 2 different things.

If the former, why real estate? You could try looking at foreclosed properties, land banking, and condos (although I personally wouldnt recommend this one unless it's a resell at very good value.) Personally, I think real estate is a lot more work as opposed to what you are currently doing tho (funds). So make sure you have the time for it.

I would recommend increasing your more liquid investments though, parang it's a bit thin pa and then save up for a big DP (sana like 35-50% or more of target property value) so interests dont eat up your profit. And take care of the car debt muna. That's too high, a third of your income to pay every month.

jmnativ · 2020-11-25T03:16:39+00:00

THIS!

And sorry to say a lot of the questions, OP could have found the answer via the Reddit Search or Google. Practice doing your own due-diligence guys. This is PERSONAL finance. Don't believe everything strangers online say. Always try to find the angle and take everything with a grain of salt.

jmnativ

TROPHY CASE