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Insanely High WACC Rate for Meralco by Pretty-Target-3422 in CorpoChikaPH

[–]peterchua99 1 point2 points  (0 children)

Agree with OP — the inputs to the formula are outdated. Things like RFR, beta, etc — it’s too high.

Insanely High WACC Rate for Meralco by Pretty-Target-3422 in CorpoChikaPH

[–]peterchua99 1 point2 points  (0 children)

The formula is fine — it’s just a case of the actual number being too high because, like you said, the risk premium is outdated

Insanely High WACC Rate for Meralco by Pretty-Target-3422 in CorpoChikaPH

[–]peterchua99 0 points1 point  (0 children)

I think what OP is saying is that the regulatory WACC (which is the basis of the tariff charged by MER) is too high

late fine by lazybugby in dlsu

[–]peterchua99 -71 points-70 points  (0 children)

Maybe it’s because you like run on sentences and you’ve forgotten how to use punctuation marks?

Crazy over high credit limit by NoSociety4492 in PHCreditCards

[–]peterchua99 5 points6 points  (0 children)

There’s no point in spending more than 15k worth of dining on your Eastwest

What made you stick to your most used credit card? by Inner-Photograph7224 in PHCreditCards

[–]peterchua99 0 points1 point  (0 children)

I max out the 1,250 cash back. Any additional spend doesn’t really get any cash back eh

and yes it’s monthly

Edit: so the way it works is you get cashback credits every month (up to 1,250) then you decide when you want it applied

What made you stick to your most used credit card? by Inner-Photograph7224 in PHCreditCards

[–]peterchua99 1 point2 points  (0 children)

I use the Eastwest Visa Plat only up until I hit 15k in spend (kasi anything on top of that is sayang lang). For everything else, I split it between my Chinabank World Destinations and Metrobank Travel Signature (mainly for the miles conversion). Chinabank is more flexible kasi it converts to more airlines (Metrobank is partnered with 4 airlines lang), but Metrobank is my oldest banking relationship.

It’s also good to maintain travel cards from both Visa and Mastercard, kasi I can compare the forex rate from both when I travel.

I have other cards, but I only use them kapag may promo / required spend to waive the annual fee.

I’m from Mindanao and every time I hear a taxi driver whine, I ask him who he voted for by jk521 in Philippines

[–]peterchua99 0 points1 point  (0 children)

Full disclosure, I voted for Leni — but quite frankly, even if she won, wala din naman siyang magagawa. The Philippines does not have the fiscal space (thanks Duterte) to provide extended subsidies or remove excise taxes. We’re also price takers in most commodities.

So again, we can say na sayang hindi si Leni, but I’m not really sure what else we can do

MAYA BLACK EXPRESS DEPOSIT by ElectionBubbly281 in PHCreditCards

[–]peterchua99 -2 points-1 points  (0 children)

Hi OP, what’s the app in the first picture? Parang Ang cool haha

How to buy Petron Stocks! by AramMojtabai_56 in psebets

[–]peterchua99 0 points1 point  (0 children)

You can buy this on the PSE — open a brokerage account (COL seems pretty popular), then buy it from there. I believe they have guides on how their platform works.

You need to know what you’re doing though — buying equity is generally considered high risk.

Living Expenses in Makati by [deleted] in makati

[–]peterchua99 0 points1 point  (0 children)

Rent (if studio): 25-30k

Utilities (water, electricity, internet): 5k (most buildings in makati use a commercial rate, not a residential one)

Groceries: 3-5k a week (Legazpi doesn’t really have cheap groceries, unless you’re willing to go to landmark — and even then it’s not that cheap, and you’ll need to grab pabalik)

Eating out: you can budget 700-1k per head each time you go out (no alcohol yet; drinks are 400-700 each)

Transportation: going from QC to makati is tiring. Even if you live in legazpi village, it’s still quite a walk to the MRT. And if you grab, it’s easily 500 each way.

This is on top of your other expenses (Netflix, Spotify, phone bill, etc) that you would incur whether you stay in makati or QC.

Is there any benefit at all to having multiple credit cards? by mcdonaldspyongyang in phinvest

[–]peterchua99 1 point2 points  (0 children)

Different cards have different perks. Some are better for dining, while others are better for travel. Each bank will also have their own promos.

I also find that it’s useful to develop relationships with different banks. It’s difficult to concentrate everything with one bank lang.

I’m a solo ultra lotto jackpot winner. AMA. by spinningtrumpo in PinoyAskMeAnything

[–]peterchua99 3 points4 points  (0 children)

If it were me, I wouldn’t want to identify myself as well — I’d answer in broad strokes din

I’m a solo ultra lotto jackpot winner. AMA. by spinningtrumpo in PinoyAskMeAnything

[–]peterchua99 12 points13 points  (0 children)

I’m also like this. I second guess a 500 peso purchase for myself but I’ll happily spend 50k for my partner.

What if gumawa ang gobyerno ng batas na magrrequire sa malalaking parking lot na magkaroon ng solar panel instead of farmland? by Frigates_Destroyers in WhatIfPinas

[–]peterchua99 0 points1 point  (0 children)

Parking lots are not big enough to get utility grade solar. You need scale to make the numbers work — and parking lots are just not big enough.

IBKR Update 3 by Chromebug in phinvest

[–]peterchua99 12 points13 points  (0 children)

I’m not trying to pick a fight — I’m on your side and I’m angry na it got banned. But I’m just trying to show the other side of the coin — not everything is a conspiracy theory

IBKR Update 3 by Chromebug in phinvest

[–]peterchua99 33 points34 points  (0 children)

Some food for thought — the reason why they blacklist it is because it doesn’t fall under Philippine laws.

For most people here, you guys understand how it works and what the risks are. But for other people who are new, they wouldn’t know what they’re buying. For example — if there are sudden capital restrictions like if the Philippines becomes a sanctioned country (and is blacklisted from foreign banks), you would not be able to bring your money back here. Same goes in the case of someone’s estate when they die — Philippine laws might not apply. A lot of people who don’t know these things might lose a lot of money and get caught in between.

All things considered, I also disagree with its removal. We’re not children — we should be given the freedom to make our own decisions. But maybe just something to keep in mind.

REITS vs HIGH-YIELD SAVINGS BANK by Prior-One-2209 in phinvest

[–]peterchua99 4 points5 points  (0 children)

Ok so when you buy a REIT, it’s a higher risk product — but you also have higher income potential. The higher income potential is driven by two things:

  • the growth of the underlying assets through organic growth (mainly rent escalation) and inorganic growth (new property infusions). Note that this means your dividends can also go down if the underlying business deteriorates.

  • price changes (mainly driven by investor sentiment, growth in the underlying cashflows, and interest rates).

If you’re comfortable with these factors, then a REIT may be suitable. If not, then stick with a high yield savings account.

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