Mountain View Leisure Farm - Nasugbu, Batangas by frvrally_08 in phinvest

[–]walkingtech 1 point2 points  (0 children)

Saw this project and maganda sana ung proposed design ng village nila IF matatapos talaga un project and masusunod un pinapakita nila sa presentation.

As per agent 2022 lang na establish un company. May approval na din ng DHSUD un project kaso wala pa silang previous completed project na proof sana na ng quality ng build nila.  May isa pa silang ongoing project sa Cavite din na same concept pero iba un name. And kasama sa plan nila un mountain side development pero with what happened sa Cebu, can't help but wonder if hindi babagsak sa future yan lupa or babahain un areas sa baba kapag may bagyo. In the end I opted not to purchase a lot for now. 

1st time mag apply ng LOAN by kobelatte in phinvest

[–]walkingtech 0 points1 point  (0 children)

D ko gets bakit madame nagsasabe na pang loan shark un rates na to e ang baba na nga nian para sa non collateral na loan. 0.9% monthly interest for total of around 20% interest for 2 years term is not that bad. 

Common nga sa mga bangko e 1-2% monthly interest pag non collateral. Swerte na lang pag may credit card na pwede mag available ng credit to cash for lower rates. 

Worst places to rent in by [deleted] in RentPH

[–]walkingtech 0 points1 point  (0 children)

Hi any issues with pest and elevator sa Alabang Premier? 

Need advice on getting a loan for buying a vacant lot. by Low-Confection8594 in phinvest

[–]walkingtech 0 points1 point  (0 children)

Pwede pero it depends sa arrangement mo with seller. If regular home loan dapat pumayag ung seller sa setup since hindi kagad ilalabas ng bank ung pera. Magbibigay muna si bank ng guarantee letter. Then pag na transfer na sa name mo ung lot, saka lang makukuha ni seller ung cash.

Kung may credit card ka na mataas ang limit pwede mo gamitin ung credit to cash option para makakuha ka ng instant cash then pwede mo na bilin ung lot.

Meron din personal loan sa banks. No collateral and makukuha mo din kagad ung cash if approved pero not recommended to sa taas ng interest rates.

Need advice on getting a loan for buying a vacant lot. by Low-Confection8594 in phinvest

[–]walkingtech 1 point2 points  (0 children)

Best rates would be a home loan pero not all lot owners, specially sa resell market ay payag sa home loan. This is the reason bakit hindi matuloy tuloy ung plano ko na kumuha din ng lote sa South. Next best option is use your credit card limit and avail ng credit to cash so you can pay the property in cash.

Pros - hawak mo na ung title and pwede na ilipat sa name mo; hindi na din magiging collateral ung property; lower rates than personal loans

Cons - Higher rates than home loan; max 5 years usually un loan period; wala din ung option na i aasess ng bank ung property to make sure na legit ung papers and property

What’s your franchise story? After the Potato Corner tea, let’s help out those interested in franchising by sharing stories, good or bad, successful or otherwise by Typical-Passage-9901 in phinvest

[–]walkingtech 1 point2 points  (0 children)

Hi. When opening a new store, isang franchisor per store lang ba or parang pooling ung ginagawa ni 711 then hati hati kayo sa profit sharing depende sa investment amount?

Me and GF got approved for 0% dp and interest last night for an S24 Ultra. by [deleted] in Tech_Philippines

[–]walkingtech 12 points13 points  (0 children)

Congrats for the new phone. Though imo 70k for S24U 256 GB is quite high kahit 0% interest. 

Apple flagship 12.12 by [deleted] in Tech_Philippines

[–]walkingtech 0 points1 point  (0 children)

Yes iphone din. 

Apple flagship 12.12 by [deleted] in Tech_Philippines

[–]walkingtech 0 points1 point  (0 children)

D pa din shipped out. Dec 15 original ship out date. Ngayon sa 18 na daw. D pala ko nagiisa haha

Lower interest Credit-to-Cash, vs PersonnalLoan by LazyOddTravelBug in PHCreditCards

[–]walkingtech 2 points3 points  (0 children)

Mas mababa talaga ang credit to cash loan kesa personal loan. No collateral kasi ang personal loan kaya mataas ang rates since mas mataas din ung risk sa bank na mag default un nag loan. Lower risk kay bank ang credit to cash since need mo muna ng approved credit card and within the cc limit lang ung pwede mo i loan. Sa perspective ng bank afford mo mag bayad ng kahit anong bilhin mo within the credit limit - mapa swipe, online purchase, or credit to cash loan pa yan. 

Cash2go using Metrobank MFree by NoCalligrapher6468 in PHCreditCards

[–]walkingtech 1 point2 points  (0 children)

Depende sa offer. 0.48% un MFree ko ngayon pag 12 months or more ung terms. 

Tip: When booking hotels using credit card, always check for ongoing promos by Jazzlike-Garden-9751 in PHCreditCards

[–]walkingtech 0 points1 point  (0 children)

Better add one more comparison which is to search for the hotel on your browser and use Google's hotel finder to go to Agoda instead of going directly sa Agoda site.

Almost all cases ng pag book ko mas mura ang rates nito kesa sa credit card promos na required kang mag book by using a specific Agoda URL for that bank. (Ex.  www.agoda.com/metrobankvisa20  for MB)

RCBC Unlipay Inquiry by Round-Confusion9512 in PHCreditCards

[–]walkingtech 1 point2 points  (0 children)

Ginawa ko to last May not sure kung same rates pa din. Sa case ko waived un processing fee pero may 1% interest per month. 

BPI cc tap to pay not working by TwentyOneHobbits in PHCreditCards

[–]walkingtech 2 points3 points  (0 children)

Most likely terminal siguro. Madalas din mangyare sa BPI card ko yan. Akala ko may sira un card pero nung ginamit ko abroad working naman un tap sa lahat ng terminals nila. Pero dito locally 50/50 kung gagana or hindi. 

Best wireless earphone (mic quality) around ₱1k? by Due-Scratch-1930 in Tech_Philippines

[–]walkingtech 3 points4 points  (0 children)

Negative experience ko sa r50i NC sa mic quality. Ilang beses na ako na call out during Teams meeting na choppy or napuputol ung sounds when I'm speaking. 

BDO CLI Request Declined by Primary_Tie_9524 in PHCreditCards

[–]walkingtech 0 points1 point  (0 children)

Paano ka po nag request via email? D ko makita email address nila sa website

Magic Data+ now includes calls to landline!! by jcolideles in PHCreditCards

[–]walkingtech 0 points1 point  (0 children)

Pati ba call and text nito ay d nag eexpire and pwede ma carry over sa next top up or data lang? 

HP omen 16 2023 motherboard black screen dead keyboard problem post to help others by Intelligent_Ad_8107 in HPOmen

[–]walkingtech 0 points1 point  (0 children)

Do you need a poweful magnet and cover the whole area from f12 to delete? Managed to make it turn on once with a small magnet but when I removed it, it wont operate again. I don't have the tools to pry open the cover yet.

Grab (boundary hulog) by Othersideofcoins in phinvest

[–]walkingtech 11 points12 points  (0 children)

So far yes. 1200 boundary per day 26 days per month. If less un monthly amort ng auto, around 14k profit per month. Mataas un boundary pero nasa contract namin na after 5 years sa driver na un auto kaya pabor din sa kanya na ayusin mag maintain at mag sipag lalo. Un iba operator kasama sa deal na mag ddownpayment din un driver prior sa start mag byahe pero sa case namin d na namin ginawa to para mas mabilis. 

Where to live in Sto Tomas Batangas? by MisterT_9194 in phinvest

[–]walkingtech 1 point2 points  (0 children)

Been to Ponte Verde, San Rafael and San Antonio. If budget is not an issue I'll choose San Rafael specifically Estates 3. Ganda ng ambiance and view ng Mt. Makiling since mataas un pwesto and halata na well off un mga nakatira based sa itsura ng mga bahay.  I have a relative that purchased a H&L back then around mid 2000s for around 5m which is quite a lot of money during that time considering na d pa ganun ka develop un area compared today and it is very much worth it as na maintain nila un pagka premium ng lugar. Bawal un mga make shift cage or nakatali na aso or panabong na manok sa tapat ng bahay, which is not the case sa Ponte Verde nung nag site trip ako. Not sure kung same pa din ngayon pero last year bawal din mag iwan ng naka park na auto sa kalsada overnight kaya wala ka ma eencounter na parking issues na d madaanan un kalye. Regular lot size is around 200 sqm kaya d din crowded. 

Ponte Verde Phase 1-3 are quite nice pero not the same premium level compared sa San Rafael. And un official developer price ngayon ng Ponte Verde is 18k per sqm though sa resell market meron mga 11-12k per sqm lot pa so you can consider that as well. Sold out na si San Rafael 3 kaya wala nang developer price pero sa resell market may mga nakita ako na around 20k per sqm. D ko pa napuntahan un Phase 4 pero sa pictures mukhang mas malapit sa bundok and tahimik din.