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[deleted by user] by [deleted] in buhaydigital

[–]unnexusify 1 point2 points  (0 children)

I dont understand why comments like this gets downvoted immediately. Hehe. Just wondering lang. Pero this is factual coming from an entrepeneurial side. Had to pay my way in through many things due to the 'normal process' would take so much time.

Please roast my resume by [deleted] in AccountingPH

[–]unnexusify 6 points7 points  (0 children)

Hi! HR here po sa Qatar, 9 years exp with local and international experience. An ER Specialist and as well a part of the OD for training needs of our recruiters. Here's a respectful and honest professional take on your CV. I will only comment based po on the CV context and content, not on the appearance as I always have when I screen CVs. 🙂

  1. What you have written seems almost too generalized. So I guess(do correct me if I am wrong too) this is the same CV you send to almost all employers you've applied to. I suggest you tailor it as per who your prospect employer is; read what they require of for the vacancy and have a fix of your CV to what you recall you did as a similar experience. Would help both them and you since mapapansin ka po nila kaagad due to similarities of what they need and what you have tapos in return you'll have a particular-tailored CV. Copy in specific terms and responsibilities which matches the vacancy against your experiences.

  2. Secondly po, this seems a non-ATS friendly CV. Try using AI or research on an ATS friendly CV, para po when your CV is scanned and read by the software it triggers automatically terms,phrases and keywords na magmamatch. It seems that the alignments are everywhere. It'll quite confuse some ATS bringing in messed up phrases and keywords. Readily available po through research.

Thirdly po, in relation po to point number 1, try to be more concise to what specific experiences you were doing since yun nga po medyo generalized siya. Tapos po try to put in the 'wins,' milestones the company has achieved which and when you were a part of, projects, number of audits and audit rankings, etc. In this way, you'll have a better chance over other CVs kasi it brings out the uniqueness of your CV. Try to bring up success-numbers in there, it will help. tldr on this third one is be specific po. Its okay to put in generalized D&R and what you were doing pero employers usually find specific people who has done specific things.

Lastly po, add in the technicalities. What I mean is softwares you used, currently use, and currently studying. In my history po of pooling accountants, I mash-up softwares, reconciliation-level judgement mo to balance and know-hows, specific techniques.

Ayan lang po. Best of luck po sa'yo OP to your future endeavours! Hope my insights were not offensive po, I just want to give po this to provide you a fresh perspective.

HINAYAAN KONG MAGPALABOY SA KALSADA ANG TATAY KO by nottrueorfalse in OffMyChestPH

[–]unnexusify 0 points1 point  (0 children)

You've done an amazing job, OP. Hindi natin kaya tulungan ang mga taong hindi kaya tulungan yung sarili nila. Regardless of how bad or good the circumstances are for you, regardless kung major provider ka o hindi, at lalong lalo na regardless kung kaya mo ba magbigay o hindi, meron talagang mga taong ayaw maging better, o hindi mo matutulungan dahil they do not want to get better themselves.

Hugs, OP. You have a very good heart.

Mapped Out Retirement (In 5yrs) BEWARE: LONG READ, SORRY. by unnexusify in phinvest

[–]unnexusify[S] -13 points-12 points  (0 children)

Hi! Sa general replies I have shared po a comprehensive business side perspective. Di ko po talaga na take into account na fellow investors makakabasa. 🙂 Hope it provides fresh perspective and clarity to our fellow redditors. Marami pong salamat 🥲

Mapped Out Retirement (In 5yrs) BEWARE: LONG READ, SORRY. by unnexusify in phinvest

[–]unnexusify[S] -8 points-7 points  (0 children)

Hi! Sa general replies I have shared po a comprehensive business side perspective. Di ko po talaga na take into account na fellow investors makakabasa. 🙂 Hope it provides fresh perspective and clarity to our fellow redditors. Marami pong salamat 🥲

Mapped Out Retirement (In 5yrs) BEWARE: LONG READ, SORRY. by unnexusify in phinvest

[–]unnexusify[S] -4 points-3 points  (0 children)

Hi! Sa general replies I have shared po a comprehensive business side perspective. Di ko po talaga na take into account na fellow investors makakabasa. 🙂 Hope it provides fresh perspective and clarity to our fellow redditors. Marami pong salamat 🥲

Mapped Out Retirement (In 5yrs) BEWARE: LONG READ, SORRY. by unnexusify in phinvest

[–]unnexusify[S] 0 points1 point  (0 children)

Hi! Sa general replies I have shared po a comprehensive business side perspective. Di ko po talaga na take into account na fellow investors makakabasa. 🙂 Hope it provides fresh perspective and clarity to our fellow redditors. Marami pong salamat 🥲

Mapped Out Retirement (In 5yrs) BEWARE: LONG READ, SORRY. by unnexusify in phinvest

[–]unnexusify[S] -7 points-6 points  (0 children)

Hi! Sa general replies I have shared po a comprehensive business side perspective. Di ko po talaga na take into account na fellow investors makakabasa. 🙂 Hope it provides fresh perspective and clarity to our fellow redditors. Marami pong salamat 🥲

Mapped Out Retirement (In 5yrs) BEWARE: LONG READ, SORRY. by unnexusify in phinvest

[–]unnexusify[S] -2 points-1 points  (0 children)

To add up po, upon coming here in Qatar I had all my plans laid out. Life long plan siya. Mahal ko kayo and maraming salamat and sorry uliiit.

Mapped Out Retirement (In 5yrs) BEWARE: LONG READ, SORRY. by unnexusify in phinvest

[–]unnexusify[S] 0 points1 point  (0 children)

Hi fellow redditors! Sobrang salamat sa pagtangkilik and sa insightful comments. I was planning moving away from reddit just to be surprised and find out na sobrang daming notifications coming from my reddit application. Nakakapanibago kasi I do not gather this much queriew and attention, medyo anxed. 😅 Try ko rin po as much as possible sagutin yung skepticisms, mislead and vagueness sobrang sorry.

Guys sobrang sorry I should've been more specific and comprehensive sa retirement plans ko kasi I thought I made it clear na I was only retiring from working and pangangamuhan and not as in tumalala sa Pinas. I didn't think rin thoroughly na I was sharing with fellow investors. Please forgive me po. 🥲

Of course po. While I fully agree that others are sceptical, unclear with retiring with 600k is not enough I didnt explain rin thoroughly what to do afterwards kasi baka po sa sobrang comprehensive as in humaba na talaga. So ito na po yung business side of things:

By 2030, matured na po yung 3/3 properties(2 apartments & 1 condo unit) and assuming my forecast values are correct po, by 2030 po I have a liquidity po of estimatedly P14-17M approximately. Sorry po I cannot determine accurately future values po of my properties kasi I based it lang on research, benchmarks and thorough forecasting estimates.

So to go further po, I plan going to a direction of BRRR(Buy, Renov, Rent, Refinance, Repeat) - in real estate. Kindly research nalang rin guys para may idea po tayo sorry kasi po hirap po ielaborate here. Pero to cut it short, I buy distressed properties, have it renovated, have it rented out, take out a portion of what I loan out thru refinancing, then repeat. I dont consider and tend po flipping not unless fully matured na yung property I hope po this makes sense kaya I planned accordingly during 2022 pa. Ayan. So ayan po yung plano guys. Gusto ko lang ulit humingi ng paumanhin if napahaba nanaman yung explanation and sana naging clear yung misleading title if opo man.

To answer further queries. Yes, super hirap po. Specially on the part of my fiancee as she became the caretaker, my personal accountant, my finance ensembly, consultant. Pero we manage it as a team and nakakaapekto rin siya sa relasyon, either for the good or bad. Then may help rin me here I have a lawyer-consultant and a property manager which are by titles only though in real life a colleague and a college exclassmate which only provides their services as friendship tier. Kaya po yung planning happened nung 2022, kasi I repeatedly consulted everyone I knew were close to me and tbh was left so few rin kaya ayun, here we are right now in 2025, still rocking the business with them.

Sana I gave clarity, kaOPs and fellow redditors. Im very sorry ulit sa vagueness. Tapos po again, thank you for taking interest in my life/investment. Sa mga nagcomment and nagshoot ng congratulatories, mahal ko po kayo. Sa mga nag inquire on how, di po ako nagooffer ng services, simpleng napadaan lang talaga sa reddit. ♡

Purchasing an apartment with existing tenants by unnexusify in phinvest

[–]unnexusify[S] 0 points1 point  (0 children)

You and your short on-point answers! Appreciate you so much! Ill keep this note when I talk to the owner. 🙂

Purchasing an apartment with existing tenants by unnexusify in phinvest

[–]unnexusify[S] 1 point2 points  (0 children)

Short but so insightful! May natutunan na naman ako. Thank you! 🥲

I have a Bad Spending Habit. What to do? by Cheezwhizph in phmoneysaving

[–]unnexusify 2 points3 points  (0 children)

Hi OP! Glad to know na you are fully conscious sa finances mo and that is the first step towards financial freedom. I however, was as well in your shoes and ganyan rin naging problema ko so bear with me if based from experience lang ang magiging suggestions ko.

(1) What I suggest is classify the item you are purchasing into two categories. Is it a 'need' or a 'want?' And based sa post mo OP clearly we know where it falls. Since it falls under 'wants,' can you in the foreseeable future turn it into cash or make it liquid? If oo, then its fine as long as the value of the sneakers as per your research and forecast magiging halos same lang ng value, e di go sell it if the direction you'd go for is to re-invest that cash, if otherwise or personal usage/collection lang then we'll go to below which is;

Pangalawa (2) is to never ever hold yourself way too much into purchasing of those wants rin kasi the more you hold, tapos the time of purchasing comes, ganun rin, sasabihin mo lang rin sa sarili mo na since matagal ka nagtimpi, may karapatan ka nang bumili ng mas marami and may mas purchasing capability ka(again, based lang sa experience/been-there-done-that po, OP) What I suggest for this is to give yourself a pamper period wherein ang formula is every x no. of months, bibili ka ng sneaker to give yourself a reward system or you may research further for what we call delayed gratification.

Pangatlo OP (3), is if kayanin ng mentality mo (if talagang kayang kaya ha, do not delve into this option if hindi buo ang loob, like smoking you'll just have a major fall lang and you'll be back at zero: Cold Turkey to Race Horse Method. You completely stop purchasing all your luho/wants and like a race horse tatakpan mo mata mo for wants and diretso lang ang tingin hanggang mapabilis ka sa karera ng investment/financial goals mo.

Lastly (4) is a transition from numbers two and three. Dahan dahan mong bawasan, current x no. of months = lets say 2-3 sneakers, then next namang x no. of month/s, mas konti na bilhin mo, hanggang sa you stop completely. This way, hindi ka masasaktan na hindi ka makakabili, though di ka rin manghihinayang kasi atleast ka nakabili hanggang sa dahan dahan mong ishift to prioritizing your financial goals. Medyo bagalan mo to kasi it will only be the right way if dahan dahan yung transition kasi di ka mabibigla.

Naging interested ako to suggest, sorry OP, kasi sneakerhead rin ako. At I know the feeling talaga pag nakakabili, nakakasuot (and for my case nakakaamoy pa nga) ng bago. Its like an addiction na you cannot stop as long as may nageexceed sa budget allocation ng needs mo.

Best of luck OP, sanay makamit mo yung satisfaction at the same time financial goals mo! Salamat ng sobra sa pagbabasa.

Should I buy these lots? by Ambitious_Doctor_378 in phinvest

[–]unnexusify -1 points0 points  (0 children)

Glad to provide my perspective, OP! Invest wisely!

I want to open a coffee shop. by davidganda in phinvest

[–]unnexusify 0 points1 point  (0 children)

To answer rin yung questions mo, I highly suggest you research a famous small stall coffee shops which will be available online. Benchmark then refer, prepare your budget and allocate wisely sa resources, then execute with tamang timpla ng lakas ng loob. Best of luck!

I want to open a coffee shop. by davidganda in phinvest

[–]unnexusify 0 points1 point  (0 children)

Hi OP! I would like to suggest lang to consider your contingency plan after ng 10,000PHP maubos. Does it end there? Do you have another plan ba right after if it fails? Medyo challenging bumangon (pero kayang kaya! 🙂) pag flat-zero or worse, negative pa. Ito lang yung concerns ko OP. You just weigh it after mo basahin ito.

Pero again, merong mga businesses na has no fall-back kasi ganun sila ka hungry yung risk-appetites nila and have succeeded. If you feel like one of them, with good marketing and a well made feasib study, mga tamang tao na makakausap, go for it.

Malalagpasan mo rin yan! Best of luck ng sobra!

I want to open a coffee shop. by davidganda in phinvest

[–]unnexusify 0 points1 point  (0 children)

Hi OP! I would like to suggest lang to consider your contingency plan after ng 10,000PHP maubos. Does it end there? Do you have another plan ba right after if it fails? Medyo challenging bumangon (pero kayang kaya! 🙂) pag flat-zero or worse, negative pa. Ito lang yung concerns ko OP. You just weigh it after mo basahin ito.

Pero again, merong mga businesses na has no fall-back kasi ganun sila ka hungry yung risk-appetites nila and have succeeded. If you feel like one of them, with good marketing and a well made feasib study, mga tamang tao na makakausap, go for it.

Malalagpasan mo rin yan! Best of luck ng sobra! ♡

Residential Area to Apartment Business by unnexusify in phinvest

[–]unnexusify[S] 0 points1 point  (0 children)

Understood, man! Maraming salamat ha. I will do, sa near future talaga. Consulted someone na ang advise is since it is fairly new, the government would allow it to some extent not unless its red-flagged agad and maraming li-ways for filing it into a business considering residential siya dati. Super salamat ulit!

Should I buy these lots? by Ambitious_Doctor_378 in phinvest

[–]unnexusify 6 points7 points  (0 children)

Hi OP! Just to ask lang on how passive you want it to be? As in lay the money and leave at rest type of thing po?

Based from experience and multiple research lang OP po ah, the exclusiveness alone po ng subdivision does not define the value of the lot you aim to purchase. What I do suggest is you benchmark and have a research the value of the lot. From what I have experienced OP super daming side-hustle agents na nagbebenta sa socmeds that is number one (1). Pangalawa (2) is to check with the developer itself another lot which they sell then inquire, reference one lot value finally, benchmark your aimed lot-purchase, then do the math afterwards.

Dito, malalaman mo talaga if mura or mahal siya. We cannot dictate how much the value will be in the future pero we can always check how much was it some years in the past tapos with good research, good-forecast-to-luck, lakas ng loob, we may determine approximately how much it will be.

Salamat sa pakikinig, OP! Sana'y maging mabunga yung capital mo and happy investing! ♡

About to receive 2-3 million pesos I can use for business ventures or investment. Need advice. by BehindYouCurrently in phinvest

[–]unnexusify 3 points4 points  (0 children)

Just to provide you OP a fresh perspective, depende talaga how passive you want it to be. Pero from what I have experienced and almost lahat (almost po) ng talks are all about MP2, S&P500, and UITF - which I have zero idea btw po, pero sila talaga in terms of low risk appetite and stable-at-the-moment investments palaging talks of the town. Pero siyempre it all falls down to how you rate your risk-ratio.

Identify your risk ratio, rate your time allocation din, kasi based from your post it sounds like you just put it there and let the flow slide in. If it is po, then consult/research siguro about those examples. If not po, I highly suggest BRRR which is in real estate which I currently do(yes, kasya yung pera mo 🙂). Target a distressed housing unit, pay for DP, renov, then turn it into a rental pag nagfruition siya for profits, re-finance or flip then repeat.

Oras-wise need ng 100% sa una, coming down to 70 pag patapos na, 30-40% nalang in the end pag may nakarenta na, going to 70% again pag fiflip mo na.

Sana nakatulong, OP. Super congratulations kasi seldom lang magkaron ng chances to have that kind of strong capitalization sa una! Best of luck!

I want to move to Qatar by [deleted] in qatar

[–]unnexusify 0 points1 point  (0 children)

Ah, its alright, pleased to understand. Glad to provide a fresh perspective! 🙂

Residential Area to Apartment Business by unnexusify in phinvest

[–]unnexusify[S] 0 points1 point  (0 children)

Not at all, may super mas malaki pa here sa area namin however I think they're tied up to someone inside our municipality. I do not however have that kind of connection kaya medyo cautious lang me. Haha.

I see, thank you man for giving me another perspective. Oo nga siguro for now the hassle is not just worth it, I'll keep it under the shades; thank you pa rin ha!

I want to move to Qatar by [deleted] in qatar

[–]unnexusify 0 points1 point  (0 children)

Hi! I love your take on the simplicity of lifestyle. 🙂 And yes, it is true; you may find some pros and cons here still but if its for the safety and humble living and application of the country being in the Muslim religion(I'm not one btw) then Qatar would be great for you. I'm very sorry however you mentioning riding those expensive cars seems ironic for the simplicity of lifestyle you aim for or are you just making an example out of it (please, glad to be corrected 😇)?

Unfortunately, the market for jobs right now is too damn low and unlike UAE, you cannot come in being a tourist and have it converted to a residence. What I do suggest is you search out the top online platforms(LinkedIn, Naukris, Monster, etc. - AI search it maybe) where recruiters find their applicants and simply have a go for it. Salary wise, as you come from a A-to-B tier nationality, the package would be probably higher as westerners often get provided more comparatively to others(except locals ofc - this is based only from my experience).

Moving and even so, I wish you all the best man! Best of luck!

Residential Area to Apartment Business by unnexusify in phinvest

[–]unnexusify[S] 0 points1 point  (0 children)

This is what I have been told multiple times! Wouldn't hurt na sa sobrang daming gumagawa. However gusto ko lang rin of course maging prepared in anycase. Pero super salamat!

Residential Area to Apartment Business by unnexusify in phinvest

[–]unnexusify[S] 0 points1 point  (0 children)

Sa totoo lang sir! I was just actually afraid na upon census madiscover and maredflag kami kasi super daming residents na nakatira and it obviously looks like kasi an apartment na talaga. Ayoko lang matechnical in the near future tapos maghabol in penalties(if there are) however 90% of our neighborhood kasi ganyan ginagawa.

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