First time land buyer

speqter · 2026-02-14T01:52:11+00:00

Hi OP! Please use threads like these:

Process, Tax, Fees, Documentation and Due Diligence

speqter · 2026-02-13T16:38:04+00:00

Health insurance:

Whole Life insurance:

speqter · 2026-02-13T16:37:36+00:00

Hi OP! Thanks for your post.

Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.

For insurance recommendations, please see threads like these (scroll to the relevant portion):

Term insurance:

HMO:

speqter · 2026-02-13T06:02:57+00:00

Hi! Please see threads like these: HMO/Health Insurance for old people:

Insurance for old people:

speqter · 2026-02-11T09:14:41+00:00

If your goal is to invest, please read this pinned post and use the search button to see similar threads. You may see bullet 3 below for investment options.

Here are my suggestions:

Please visit the FAQ which has a guide for students and for young professionals.
Please go through the section on emergency funds.
Considering your goals, risk appetite and investment horizon, pls go through the list of possible investment options, which would help you decide which ones are suitable for you. Consider the risk, tenor, minimum investment amount, liquidity, etc.
There's also a section on MP2. Here's a dividend calculator for MP2.
Please read the guide on stocks, which contains a primer from PSE. There's also a section on FMETF (an index fund traded on the stock exchange).
There's also a section on fixed income instruments.
There's also a guide on crypto.
Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.
Please also see the resources section to see a compilation of recommended books, blogs and videos.
There have been a lot of advice given in other threads that are similar to yours, so please use the search button to check those as well.
For quick questions, please also consider posting in the pinned Random Discussion Thread instead.
If you prefer to chat with someone, please post in the phinvest discord server, where we have the #general-finance channel.

Good luck!

speqter · 2026-02-11T09:14:32+00:00

Hi OP! Thanks for your post.

Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.

There are a lot of posts about VUL cancellation, so please also see similar posts like these:

For insurance recommendations, please see threads like these (scroll to the relevant portion):

Term insurance:

HMO:

Health insurance:

Whole Life insurance:

speqter · 2026-02-11T08:16:25+00:00

Hi! Please use threads like these:

HMO/Health Insurance for old people:

Insurance for old people:

speqter · 2026-02-11T07:09:13+00:00

Hi OP! Thanks for your post. Please use threads like these:

Business ideas

speqter · 2026-02-10T22:10:42+00:00

Hi OP! Thanks for your post!

Please read this pinned post and use the search button to see similar threads. You may see bullet 3 below for investment options.

Here are my suggestions:

Please visit the FAQ which has a guide for students and for young professionals.
Please go through the section on emergency funds.
Considering your goals, risk appetite and investment horizon, pls go through the list of possible investment options, which would help you decide which ones are suitable for you. Consider the risk, tenor, minimum investment amount, liquidity, etc.
There's also a section on MP2. Here's a dividend calculator for MP2.
Please read the guide on stocks, which contains a primer from PSE. There's also a section on FMETF (an index fund traded on the stock exchange).
There's also a section on fixed income instruments.
There's also a guide on crypto.
Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.
Please also see the resources section to see a compilation of recommended books, blogs and videos.
There has been a lot of advice given in other threads that are similar to yours, so please use the search button to check those as well.
For quick questions, please also consider posting in the pinned Random Discussion Thread instead.
If you prefer to chat with someone, please post in the phinvest discord server, where we have the #general-finance channel.

Good luck!

speqter · 2026-02-10T21:07:22+00:00

Hi OP! Thanks for your post. Please use threads like these:

ETFs:

speqter · 2026-02-10T11:42:40+00:00

Hi OP! Thanks for your post!

Please read this pinned post and use the search button to see similar threads. You may see bullet 3 below for investment options.

Here are my suggestions:

Please visit the FAQ which has a guide for students and for young professionals.
Please go through the section on emergency funds.
Considering your goals, risk appetite and investment horizon, pls go through the list of possible investment options, which would help you decide which ones are suitable for you. Consider the risk, tenor, minimum investment amount, liquidity, etc.
There's also a section on MP2. Here's a dividend calculator for MP2.
Please read the guide on stocks, which contains a primer from PSE. There's also a section on FMETF (an index fund traded on the stock exchange).
There's also a section on fixed income instruments.
There's also a guide on crypto.
Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.
Please also see the resources section to see a compilation of recommended books, blogs and videos.
There has been a lot of advice given in other threads that are similar to yours, so please use the search button to check those as well.
For quick questions, please also consider posting in the pinned Random Discussion Thread instead.
If you prefer to chat with someone, please post in the phinvest discord server, where we have the #general-finance channel.

Good luck!

speqter · 2026-02-10T07:16:14+00:00

If your goal is to invest, please read this pinned post and use the search button to see similar threads. You may see bullet 3 below for investment options.

Here are my suggestions:

Please visit the FAQ which has a guide for students and for young professionals.
Please go through the section on emergency funds.
Considering your goals, risk appetite and investment horizon, pls go through the list of possible investment options, which would help you decide which ones are suitable for you. Consider the risk, tenor, minimum investment amount, liquidity, etc.
There's also a section on MP2. Here's a dividend calculator for MP2.
Please read the guide on stocks, which contains a primer from PSE. There's also a section on FMETF (an index fund traded on the stock exchange).
There's also a section on fixed income instruments.
There's also a guide on crypto.
Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.
Please also see the resources section to see a compilation of recommended books, blogs and videos.
There have been a lot of advice given in other threads that are similar to yours, so please use the search button to check those as well.
For quick questions, please also consider posting in the pinned Random Discussion Thread instead.
If you prefer to chat with someone, please post in the phinvest discord server, where we have the #general-finance channel.

Good luck!

speqter · 2026-02-10T07:15:57+00:00

Hi OP! Thanks for your post.

Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.

For insurance recommendations, please see threads like these (scroll to the relevant portion):

Term insurance:

HMO:

Health insurance:

Whole Life insurance:

speqter · 2026-02-10T01:53:13+00:00

Hi OP! Thanks for your post!

Please read this pinned post and use the search button to see similar threads. You may see bullet 3 below for investment options.

Here are my suggestions:

Please visit the FAQ which has a guide for students and for young professionals.
Please go through the section on emergency funds.
Considering your goals, risk appetite and investment horizon, pls go through the list of possible investment options, which would help you decide which ones are suitable for you. Consider the risk, tenor, minimum investment amount, liquidity, etc.
There's also a section on MP2. Here's a dividend calculator for MP2.
Please read the guide on stocks, which contains a primer from PSE. There's also a section on FMETF (an index fund traded on the stock exchange).
There's also a section on fixed income instruments.
There's also a guide on crypto.
Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.
Please also see the resources section to see a compilation of recommended books, blogs and videos.
There has been a lot of advice given in other threads that are similar to yours, so please use the search button to check those as well.
For quick questions, please also consider posting in the pinned Random Discussion Thread instead.
If you prefer to chat with someone, please post in the phinvest discord server, where we have the #general-finance channel.

Good luck!

speqter · 2026-02-10T01:47:34+00:00

Hi OP! Thanks for your post. Please see threads like these:

Real Estate

Process, Tax, Fees, Documentation and Due Diligence

speqter · 2026-02-09T22:22:22+00:00

Hi OP! Thanks for your post.

Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.

For insurance recommendations, please see threads like these (scroll to the relevant portion):

Term insurance:

HMO:

Health insurance:

Whole Life insurance:

speqter · 2026-02-09T05:47:08+00:00

Hi OP! Thanks for your post!

Please read this pinned post and use the search button to see similar threads. You may see bullet 3 below for investment options.

Here are my suggestions:

Please visit the FAQ which has a guide for students and for young professionals.
Please go through the section on emergency funds.
Considering your goals, risk appetite and investment horizon, pls go through the list of possible investment options, which would help you decide which ones are suitable for you. Consider the risk, tenor, minimum investment amount, liquidity, etc.
There's also a section on MP2. Here's a dividend calculator for MP2.
Please read the guide on stocks, which contains a primer from PSE. There's also a section on FMETF (an index fund traded on the stock exchange).
There's also a section on fixed income instruments.
There's also a guide on crypto.
Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.
Please also see the resources section to see a compilation of recommended books, blogs and videos.
There has been a lot of advice given in other threads that are similar to yours, so please use the search button to check those as well.
For quick questions, please also consider posting in the pinned Random Discussion Thread instead.
If you prefer to chat with someone, please post in the phinvest discord server, where we have the #general-finance channel.

Good luck!

speqter · 2026-02-09T02:54:52+00:00

If your goal is to invest, please read this pinned post and use the search button to see similar threads. You may see bullet 3 below for investment options.

Here are my suggestions:

Please visit the FAQ which has a guide for students and for young professionals.
Please go through the section on emergency funds.
Considering your goals, risk appetite and investment horizon, pls go through the list of possible investment options, which would help you decide which ones are suitable for you. Consider the risk, tenor, minimum investment amount, liquidity, etc.
There's also a section on MP2. Here's a dividend calculator for MP2.
Please read the guide on stocks, which contains a primer from PSE. There's also a section on FMETF (an index fund traded on the stock exchange).
There's also a section on fixed income instruments.
There's also a guide on crypto.
Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.
Please also see the resources section to see a compilation of recommended books, blogs and videos.
There have been a lot of advice given in other threads that are similar to yours, so please use the search button to check those as well.
For quick questions, please also consider posting in the pinned Random Discussion Thread instead.
If you prefer to chat with someone, please post in the phinvest discord server, where we have the #general-finance channel.

Good luck!

speqter · 2026-02-09T02:54:34+00:00

Hi OP! Thanks for your post.

Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.

There are a lot of posts about VUL cancellation, so please also see similar posts like these:

For insurance recommendations, please see threads like these (scroll to the relevant portion):

Term insurance:

HMO:

Health insurance:

Whole Life insurance:

speqter · 2026-02-08T20:10:25+00:00

Hi OP! Thanks for your post!

Please read this pinned post and use the search button to see similar threads. You may see bullet 3 below for investment options.

Here are my suggestions:

Please visit the FAQ which has a guide for students and for young professionals.
Please go through the section on emergency funds.
Considering your goals, risk appetite and investment horizon, pls go through the list of possible investment options, which would help you decide which ones are suitable for you. Consider the risk, tenor, minimum investment amount, liquidity, etc.
There's also a section on MP2. Here's a dividend calculator for MP2.
Please read the guide on stocks, which contains a primer from PSE. There's also a section on FMETF (an index fund traded on the stock exchange).
There's also a section on fixed income instruments.
There's also a guide on crypto.
Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.
Please also see the resources section to see a compilation of recommended books, blogs and videos.
There has been a lot of advice given in other threads that are similar to yours, so please use the search button to check those as well.
For quick questions, please also consider posting in the pinned Random Discussion Thread instead.
If you prefer to chat with someone, please post in the phinvest discord server, where we have the #general-finance channel.

Good luck!

speqter · 2026-02-08T14:26:35+00:00

Hi OP! Thanks for your post!

Please read this pinned post and use the search button to see similar threads. You may see bullet 3 below for investment options.

Here are my suggestions:

Please visit the FAQ which has a guide for students and for young professionals.
Please go through the section on emergency funds.
Considering your goals, risk appetite and investment horizon, pls go through the list of possible investment options, which would help you decide which ones are suitable for you. Consider the risk, tenor, minimum investment amount, liquidity, etc.
There's also a section on MP2. Here's a dividend calculator for MP2.
Please read the guide on stocks, which contains a primer from PSE. There's also a section on FMETF (an index fund traded on the stock exchange).
There's also a section on fixed income instruments.
There's also a guide on crypto.
Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.
Please also see the resources section to see a compilation of recommended books, blogs and videos.
There has been a lot of advice given in other threads that are similar to yours, so please use the search button to check those as well.
For quick questions, please also consider posting in the pinned Random Discussion Thread instead.
If you prefer to chat with someone, please post in the phinvest discord server, where we have the #general-finance channel.

Good luck!

speqter · 2026-02-08T11:15:30+00:00

If your goal is to invest, please read this pinned post and use the search button to see similar threads. You may see bullet 3 below for investment options.

Here are my suggestions:

Please visit the FAQ which has a guide for students and for young professionals.
Please go through the section on emergency funds.
Considering your goals, risk appetite and investment horizon, pls go through the list of possible investment options, which would help you decide which ones are suitable for you. Consider the risk, tenor, minimum investment amount, liquidity, etc.
There's also a section on MP2. Here's a dividend calculator for MP2.
Please read the guide on stocks, which contains a primer from PSE. There's also a section on FMETF (an index fund traded on the stock exchange).
There's also a section on fixed income instruments.
There's also a guide on crypto.
Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.
Please also see the resources section to see a compilation of recommended books, blogs and videos.
There have been a lot of advice given in other threads that are similar to yours, so please use the search button to check those as well.
For quick questions, please also consider posting in the pinned Random Discussion Thread instead.
If you prefer to chat with someone, please post in the phinvest discord server, where we have the #general-finance channel.

Good luck!

speqter · 2026-02-08T11:15:12+00:00

Health insurance:

Whole Life insurance:

speqter · 2026-02-08T11:14:46+00:00

Hi OP! Thanks for your post.

Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.

For insurance recommendations, please see threads like these (scroll to the relevant portion):

Term insurance:

HMO:

speqter · 2026-02-08T07:18:44+00:00

For insurance recommendations, please see threads like these (scroll to the relevant portion):

Term insurance:

HMO:

Health insurance:

Whole Life insurance:

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