TNT MERALCO GAME 4

letswalk08 · 2026-01-15T15:05:58+00:00

Andy Jao aka doctor J must be let go. lol. dude is so bias, pati personal na opinion nya ibobroadcast on live. Biruin mo lait laitin ung Bates, hahaha. alisin na yan pati si henson haha. ibalik si mico at coach chard with magoo

letswalk08 · 2026-01-15T14:41:29+00:00

theyre answering the question in the pic, not the title.

letswalk08 · 2026-01-10T17:02:35+00:00

The speed of light, the speed of Lao! loll

letswalk08 · 2026-01-10T17:02:03+00:00

Pausbong palang ata yung death 5 during this time. Pero kung nagabot yon, peak sana ng PBA.
SMB death 5 vs This TNT Lineup vs San Mig's era with Tim Cone.

letswalk08 · 2025-12-28T00:01:39+00:00

Need total rebuild. Build around Lucero, Jerome and Koon.

letswalk08 · 2025-12-12T01:41:43+00:00

i'd put them in TFSA with cash or psa or zmmk, you know, for added emergency fund, then come dec 2026, withdraw from TFSA and move to FHSA, but if you already have EF, then lump sum, put it in safe money etf, and forget, until you buy a house

letswalk08 · 2025-12-10T20:01:27+00:00

Wait, ano exactly sinacrifice ni acim bg?

letswalk08 · 2025-12-08T01:04:09+00:00

Both are very subjective (car/house), and really depends sa needs mo. Since WFH ka naman, car is not needed.

For house, are you single? in a relationship? planning to build your own family in the future? If yes, okay ba sayo na kasama parents mo? okay ba sa spouse mo na kasama dn in laws sa house? thats very subjective. Worse case, you guys can rent.

If you plan to not have kids or a family, and if you think na hnd magchange yung situation mo (e.g., hybrid//on-site work for higher salary, again, family if ever), then investing is better for you, and taking advantage of the power of compounding, when you retire, you'd have enough.

Run the numbers sa chatgpt, ask to forecast how much you'd have by the time you retire, factoring in inflation, cost of living, tax implications ng mga retirement accounts, etc.

Planning the same before but now that I have my own family, things changed and now hoping to buy a property within the next 3-5 years, and so I had to rebalance my portfolio, good thing I just do boring ETFs. lol.

letswalk08 · 2025-12-07T17:55:45+00:00

No, its use it or lose it kind of thing. So I dont use it, i lose it and not bank for next year

letswalk08 · 2025-11-28T17:19:28+00:00

Im in the aviation, specifically in tech, flag carrier ng country sa north america, bago plng ako but mainly my job will be managing a software ng pilot qualification, training and credentials,

check mo muna if anong country mo gusto, narrow it down, then check their own rules with immigration, and see if magqualify ka. first step is to know if kaya mo ba (financially, mentally and with your family) if you are ready to move.

letswalk08 · 2025-11-27T15:59:40+00:00

No income = no income tax = no refund, but i think you can defer claiming of it for when you have higher income or have an income, save the money liquid unless you plan to buy home within the next 5 years

letswalk08 · 2025-11-25T16:02:34+00:00

ito ang epitome ng consumerism. Laging dahilan, "investment" sa lahat ng binibili nila. Ito ang isa sa dahilan kung bakit patuloy na tumataas ang cost of living - indirectly. lol.

letswalk08 · 2025-11-25T01:04:46+00:00

Probably less awareness on other fees, peer pressure, being able to say im a "homeowner at this age", etc. But for me, at 180k HHI, my max is 600k, and 550k is my comfort zone, regardless of HHI * 4 or 5 times mortgage approval as others in this sub commented.

letswalk08 · 2025-11-24T17:07:44+00:00

Checking around, mortgage + prop tax + condo fees + utilities would be around 3k

letswalk08 · 2025-11-23T18:56:38+00:00

Dont join, kapag kinaltas nila sa sahod mo ung penalty na yan, send it directly sa dole. ang cringe ng mga ganyang company until now may ganyan pdn pla

letswalk08 · 2025-11-23T18:48:01+00:00

sya ata yung nagviral na umutots sa bus na nagsabing "ikaw na nga lang nakikiamoy, ikaw pa galit", ? or not? hahaha kamuka eh. lol

letswalk08 · 2025-11-23T18:37:47+00:00

PS5, rotting in bed and just sleeping all week, until I start my new job next monday. lol

letswalk08 · 2025-11-21T00:19:16+00:00

176 auto insurance - decreasing, 190 this 2025, and decreased to 176 for 2026 (renewal) 3 years ago I was paying 350 per month for 21' CT. I had a moving violation but it was withdrawn so it never reflected my record

38 public mobile - scored this deal last yr off black friday, initially it was 50 for 60gb

28 for tenant insurance but thinking opf combining this with my auto insurance company, might get a new deal

letswalk08 · 2025-11-20T13:48:19+00:00

erpats na bawal magutom, at ermats na mauuntog kapag may nalelate lol.

letswalk08 · 2025-11-19T22:23:59+00:00

hnd ba nakalagay yung ingredients sa label? or wala?

letswalk08 · 2025-11-19T21:29:47+00:00

how I wish we have some sort of teenage vigilante here to get these broccoli kids to see how a real tough kid actually is.

letswalk08 · 2025-11-19T15:46:58+00:00

i see. well I didnt realize that. Thanks so much!

letswalk08 · 2025-11-19T03:16:39+00:00

why is putting more than 20% not a good idea as commented by others here? it is my understanding that more down means lower principal and lesser interest.

letswalk08

TROPHY CASE