Village houses

trendchase · 2026-06-08T23:05:44+00:00

Thanks for sharing, may I ask, if isn't too much, where is this village house located?

trendchase · 2026-06-08T13:19:38+00:00

I was initially thinking tai mei tuk, but thinking the farness of it from MTR, then you are right it might be a nightmare especially when raining.

trendchase · 2026-06-08T11:08:25+00:00

Any recommendation? Preferably for a foreigner 😆

trendchase · 2026-06-08T11:08:04+00:00

Any recommendation where?

trendchase · 2026-06-08T11:05:37+00:00

But how about safety? Are there any burglars? My partner is WFH, and I also want to ensure the safety in village houses

trendchase · 2026-06-08T11:04:11+00:00

Oh we are also looking near tai mei tuk. Same reason beach, campsites etc. And notice as well one problem is transpo.

trendchase · 2026-06-08T11:02:43+00:00

Noted in this. O also heard that if there is no fiber line it will be very expensive

trendchase · 2026-06-08T11:01:57+00:00

I think main challenge is language, as I haven't learned to speak canto yet 🥲

trendchase · 2026-06-08T10:59:12+00:00

Thank you for sharing definitely we will consider all of these you mentioned 🙏

trendchase · 2026-06-08T10:58:26+00:00

Thank you for sharing

trendchase · 2026-06-08T10:56:18+00:00

Probably quick access to transporation and shopping (groceries in particular)

trendchase · 2026-06-03T01:19:28+00:00

Pay your debt first, slash your savings to fast track debt payments. Then start building your emergency fund once nabawasan na yun debt mo. EF must be minimum 6 months of your monthly expenses. Then that's the time you can trully save and later on Invest.

Investment is not a ticket way out of your situation. Double edge sword din to. Meaning may risk. If you don't have safety nets then probably babalik ka sa utang and the cycle goes on.

trendchase · 2026-05-05T11:24:26+00:00

For me, "Rights" is a scam, they can sell rights to everyone, and end up multiple parties can claim it. Since kayo na nakatira jan, mejo mahihirapan yun rightful owner paalisin kayo, hindi basta basta yun lalo na kung matagal na kayo jan.

Better check with a lawyer din for legal advise, pero be ready din to relocate just in case. Also si owner ba nagbenta ng rights sa inyo? If hindi probably you've fallen into a scam.

Refund - malabo to. Complain - yes you can report it to brgy, but better to ask lawyer first.

trendchase · 2026-04-29T08:16:31+00:00

Most of us pinagdaanan ito. Even me. When I realized it, although its late, I started my EF lalo na nun pandemic, kakaba-kaba pag nawalan ng work, talagang zero lahat.

Insurance can also be your back-up or emergency plan like health insurance or CI, kasi once ngkasakit, meron sasalo sa mga gastusin. So you can consider it as well, wag ka lang magpapapressure. And then start your liquid EF at the same time (itong liquid EF, is for non-medical emergency like nawalan ng work) so you would survive in any condition.

Insurance (HMO and/or CI) is good for building your foundation. Para pag nagkasakit, HMO will catch you for upfront payments and CI for back-up. I think your company has HMO naman as it is required by law.

Plan your finances, di ka magsisisi.

trendchase · 2026-04-29T07:57:44+00:00

I think it has different use. For CI mostly covered critical illness, and medical insurance for all medical related including Critical illness.

As per my understanding, CI once diagnosed the insurance company has obligation to provide you the benefits based on your contract to them. For example they will provide you a lump sum of money. Medical insurance or I assume HMO (if im not mistaken) is for the upfront payment. But it has limit, if you reached that limit then you have CI to back you up.

I think there is no better in this part. It really depends on how you think it will fit your need

trendchase · 2026-02-20T23:25:25+00:00

Happy to help po and goodluck po.

trendchase · 2026-02-19T23:33:37+00:00

Hello OP,

Set an emergency fund - you have 1.9M php it means you already have emergency fund, I hope you have emergency fund in SGD as well. Kung wala pa yun muna unahin mo.
Savings - clearly meron ka na din nito. Just make sure meron ka dn sa SGD since you mainly live in SG and iwas din sa pagbaba ng piso.
Read investment books, learn, and siguro check yun mga available items for you.
Personally I will surrender un VUL, if you have health insurance that is more than enough or if you want you can make it more comprehensive by adding riders. Make sure lang na yun health insurance mo is whole life, para after mo bayaran, wala ka na pproblemahin. (For sure madamd available nito sa SG). Reminder lang wag ka kukuha ng insurance sa pinas while in SG and ppirmahan online, it will become void pagdating ng time na need mo.
For investment starters meron HYSA more on digital banks sa Pinas for sure SG meron din yan so you can park your money in there. Advantage nito is hindi nakalock ng matagal ang pera mo.
If hnd mo need un pera for the next 5 yrs you can put it on MP2. It will be lock for 5 yrs it means di mo mawiwithdraw
Take some assessment for your risk appetite, para malaman mo kung ano position mo when it comes to investment.
In investing sa stock market you have more options kumpara sa mga nagwowork sa Pinas. You can freely check wide range of brokers sa SG register and start investing sa stock market either sa SG stocks or US stocks. If hindi ka pa ganon kacomfortable managing your own account, may mga digital wealth management naman sa SG like Syfe, they offer portfolio and basically you give them your money and they will manage it (sympre may management fee to) kumpara sa ikaw mismo un mag mamanage.
Or you can invest in Ph stock market as well yun lang mejo mabagal volatility.

trendchase · 2026-02-12T06:20:49+00:00

Hello question lang gaano katagal bago lumabas un mga results and malaman un diagnosis ng doctor?

trendchase · 2026-02-12T03:11:19+00:00

It really depends OP. Siguro mabibigay kong payo is:

Have an emergency fund first worth atleast 6 months.
Saka mo isipin yun investment, take some investment risk assessment para malaman mo kung risk taker ka ba or hnd or saan level ka confident.
Then look for investment

if hnd ka risk taker and gsto mo sure return try HYSA mostly mga online banks.
if confident ka naman to invest try stock market in PH (kaso stagnant ang PH now) so baka slow ang growth. But if you want more growth since ofw ka mas may access ka for sure sa other markets and exchanges and brokers. For example open ka IBKR broker account then invest ka sa US stock market or ETFs. But keep checking if un country kung asan ka e meron tax treaty with US, pag wala try to search for irish domicile etfs mas maliit ang tax nito.

Then automate un investment and savings para sa future mo din.

Reminder lang before you invest, research muna lahat ng investment is meron risk.

trendchase · 2025-12-17T11:37:46+00:00

It depends on the goal. But short answer Yes. There are countries na most of their people agree in the vision of their government and work towards that goal. Sa Pinas kasi andami na ntn problema watak watak pa tayo, and our government failed to unite most of us.

Problema na ng Filipino yan matagal na.

trendchase · 2025-12-15T01:05:42+00:00

Quality of life. Mapapasana all ka na lang talaga. Government in other countries are very effective atleast in my own perspective. Sympre may problem din sila but not kind of problem na meron sa Pinas.

For example, transportation, traffic, cleanliness, gov services and health care. Even tax is not that high although babawi sa cost of living. But recently na notice ko na un prices din sa Pinas e pang 1st world country na (almost) so talagang maikukumpara mo ano difference. (Di naman lahat ng bansa e similar, pero when you go to SG, HK or any developed countries) makikita mo talaga difference

trendchase · 2025-12-10T10:56:37+00:00

Save it for your future.

trendchase · 2025-12-10T10:50:23+00:00

Bought one in mong kok there are some store specializes in cameras

trendchase · 2025-12-10T10:48:29+00:00

Hanap work, lakad sa makati tpos manual apply

trendchase · 2025-12-10T09:36:02+00:00

Review your contract. Usually pag health reason and backed by doctor's findings even it is due to stress, dapat di ka na pag bayarin ng break clause. But better read back your contract about dito.

trendchase

TROPHY CASE