Need your opinion guys.

Gusto ko magpatayo ng 8 million studio type na apartments. I only have 2M liquid cash. Should I get a Pag-IBIG loan for the remaining or get partnership with relatives or friends?

This relative is the seller. In 2021 we signed the DoAS personally at the Notary office. Titles transferred after 3 months to my name. Now they are trying to file a civil case against us. As I heard its a reconveyance case.

I have all legal documents pertaining to the transfer. We paid cash to them since we do not put all money in the bank.

Will they win the case?

Hi! I honestly don’t know if this is the right sub for my concern. But baka lang din some of you might wanna try a different way of investing hehe. I just wanna ask if you guys have an idea sa pagpar-renr ng lupa sa telecom companies? Like lalagyan nila ng cell site?

Context: May pamana pong lupa ang grandparents pero located sya uphill. But a construction company (idk if private or govt owned) developed a cemented road making it accessible now. The road now connects two municipalities, naging shortcut na sya. Yung lupa ay may potential na maging subdivision.

Good idea kaya if i endorse my lot to the telecom companies?

Sa mga nakatry, could you share your experience guys? Thank you and God bless! 💗

Just wanna share that Metrobank just updated their rates for time deposit. As an introvert, I use their app to invest my extra savings so that I don't have to talk to their investment specialists. Madali syang gamitin and very straight forward. Kesa nakatambak lang ang liquid money mo, this is an option. Subject to 20% tax. So times .8 mo nalang yung percentage. Hope this helps.

Hi everyone!I'm planning to start a car rental business here in Cavite. I want to begin with just one unit, but I'm still undecided about which car to purchase.Are there any car rental business owners here who can share their experience?I'm not trying to compete with anyone. I just want to know if there's a good market for car rentals in Cavite.Also, what car brand or vehicle type gets rented the most?Thank you so much! 😊

EDIT: Thanks so much for all the replies! Decided to not proceed with the sale na lang. Didn't know how much of a health hazard ang molds, kasi akala ko maliit lang but possible na malawak na pala siya, plus yung mabagal/matagal na process ng leak repair ng smdc 🥹

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Hi! We're planning on acquiring a foreclosed condo for end use sana. Okay ang lahat except there are leak marks sa bathroom ceiling.

We talked to the property engineer and he said they'll have to inspect where the leak is coming from and dun malalaman who would shoulder the cost of repair - either the upper unit or the bldg admin. My question is, if you're in position, would you proceed with the sale or pass up the offer kasi hassle ang process the leak repairs ng condo? This is SMDC btw and we've read horror stories in fb and reddit about their uncooperative PMOs regarding leak repairs but I wanted to hear your thoughts parin. Attached is the picture of the ceiling so you can see the whole situation. Medyo lugto din sa isang part so they would have to replace the entire ceiling daw.

Would you still push through with it or hanap na lang ng iba?

Thank you!

Hi everyone,

I'm curious if anyone has any experience with RCBC's wealth management service, I've read that it is the private banking arm of RCBC with an "open architecture" meaning they don't just recommend RCBCs products, what products do they offer (ATRAM?) and how's the experience?

I’ve already met the 120 contribution minimum from working a long time. Now that i’m able to contribute more, gusto ko sana magka 20k monthly as pension when I retire. It tells me that I have to contribute 7k monthly starting now, how accurate is this calculation? mas maganda ba pumunta sa office mismo to have a more accurate figure?

Also, with the current situation of the SSS department, how can it likely affect the future services like this that they provide? Itutuloy nyo pa din ba regardless?

Back-to-back announcements of healthcare concierge perks here and in Japan by Security Bank. The St. Lukes one could definitely come in handy though.

Wondering if other banks have similar perks offered? Been looking around for a second main bank given how low SBC interest rates are.

Our neighborhood salon just closed down and ever since nung bata ako, doon kami nagpapamakeup kapag graduation namin lahat magkakapatid, attending weddings doon hair and makeup namin, pagupit, yung dad ko may retainer na doon kasi doon lang nagpaoagupit.

Ang sad. As in. Nakita namin nagthrive siya and have a bigger space tapos close down na. Kumusta naman kayo?

Got a notif the other day about the new HelloInvest feature in the Hello PAG-IBIG app. Couldn't find much info about this online. Right now it seems they're only offering the 91D TBill for a flat 10 peso service fee. Seems like a good online alternative to PDAX/GBonds for Tbills, which has a 0.5% annual fee (correct me if I'm wrong though), albeit with a higher minimum placement of 10k.

It’s been two months since I posted about our experience, and honestly, a lot of the same issues are still ongoing.

The unreliable water supply is still a never-ending concern. Despite multiple changes to the water setup/system, the inconsistent water pressure and interruptions has become a norm. Hanggang ngayon, wala pa ring clear long term solution kung kailan ba talaga magiging reliable ang water supply. They are saying, bago magkaroon ng sariling submeter ang mga houses, Manila Water requires the community to have atleast 50% occupancy. Hays well mahaba habang pag aantay to since iilan pa lang kami nakatira here.

HOA fees are another question mark. We’re charged in full, yet regular maintenance is still lacking, ultimo pag collect ng garbage kelangan pa irequest when they should have a fix schedule on doing so. Plus the security doesn’t seem to be doing enough to keep the community in order and secured coz wdym may mga workers na nakalabas pasok ng mga bagay na dapat bawal. And we have to deal with after hours construction work noise even up to 2-3am. We have been patient and tolerant of the inconveniences caused by the ongoing construction, but that should not come at the expense of basic decency and respect for us and our living spaces. Construction is not an excuse to compromise the cleanliness and livability of our community.

Meanwhile, more homeowners are moving in. Dapat mas maayos na ang community management by now, mas nararamdaman sana ang binayaran naming HOA fees pero there’s not much improvement tbh.

And the people who were initially very responsive and said they would take charge of these concerns, have stopped stepping up and responding. LOL sa una lang nagpapakitang gilas.

Complaints after complaints, follow-ups after follow-ups. Nakakapagod na.

The on-site team still seems to lack the authority or enforcement needed to keep things under control, and their approach is clearly more reactive than proactive. For a developer that has been in the business for years, honestly, you’d expect much better. Their years of experience clearly aren’t reflected in the way Easton Park is being managed. Homeowners shouldn’t have to keep chasing people just to get basic services and maintenance.

We’ve dealt some of these concerns w DHSUD but looks like it didn’t really help them do better tbh. Coz the fact that we’re still dealing with almost all the same issues months after moving in is incredibly frustrating.

To anyone considering investing in Easton Park Binangonan by Taylormade Development Corp., please do your research and think carefully before committing. Don’t just look at the model units or the promises before turnover. Consider this an honest, unfiltered review from an actual Easton Park homeowner. Don’t rely solely on what agents tell you because their priority is to sell.

A home is supposed to give you peace of mind, not become a never-ending source of stress. Based on our experience so far, this has taken a real toll on our mental well-being, and honestly, I wouldn’t want other buyers to go through the same thing.

Sharing this update because the issues haven’t magically disappeared just because time has passed. We’re still waiting for actual, lasting solutions, not more acknowledgments and temporary fixes.

Trying to pull out my investments and getting this error? Is it normal? Apparently their support is only until 4PM. Does anyone know a workaround?

Hello! I'm a 17-year-old student currently in SHS with absolutely no knowledge of how to invest, and I want to know how I can start investing and if it's possible to begin at 17. I'm currently juggling multiple side hustles to fund my own allowance to avoid relying too much on my parents (they have debts to pay), and I want to start investing to hopefully secure some savings by college.

Where do I start, how much should I start with, and what should I avoid/beware of? I know a google search could easily answer my questions, but I doubt most sources online these days and find more comfort and security in hearing them from actual people with knowledge/experience, haha

I recently applied for home loan to BDO with assistance from a real estate agent.

Someone from BDO (which is an account officer) contacted me to verify some information.

After four days, I received this email from homeloan_update@bdo.com.ph:

I also received a text from BDO that I'll expect a call from their Credit officers for additional information .

Just wondering if the e-mail and text I received is legitimate based on your experience

story time:

2021 may nag alok ng IMG tapos Kaiser daw. HMO daw itong kasier. walang HMO si mama. wala din philhealth or SSS kasi maaga sya nagstop ng work to be a fulltime housewife. kaya naengganyo sya. nakwento nya sakin but i immediately shut her and sinabi ko na pag may nagiinvite, matic scam. mlm yun. networking. kala ko she heed my advice.

but this year sumakit lower back nya and naisipan nya mag pa hospital. and gamitin pati yung Kaiser nya na 4 yrs na nyang hinuhulugan ng 44k annually. to her disappointment, di daw nya magagamit kaiser nya even for check up. for confinement lang daw sagot. even laboratory di din daw sagot. she was pissed. gusto na nya ngayon mag stop and bawiin nalang yung mga naihulog nya. so ayun, tinuloy pala nya pag kuha.

binasa ko contract and di ko mahanap san dun process ng pag initiate ng refund. di ko alam kung wala talaga dun or bobo lang ako. agent is not helpful either. sa facebook group naman puro ipasalo advice.

nag consult sya abogado and ang advice is mag email ng demand letter. sakin lang parang malabo. so im wondering if meron na ba dito successful na narefund sa IMG/Kaiser. pano ginawa nyo?

Received a credit sweep on my trad Metrobank account. Can someone explain what this is?

Idk if tama ba ung title ko pero I have a question.
Is 1.5k php per filling reasonable? Ang mahal kasi and gusto ko nlng e learn how to file my own taxes. Currently, studying pa and I am afraid that ung mga credentials ko for the BiR such as email is not given by my book keeper.

Please give me your insights, I tried using AI on this but I want to know from the people who have experienced it. Thanks

Hello. Any alternative option na magandang gamitin aside from TradingView? I am a newbie sa world ng trading at nagse-self-study para matuto. I used to have a premium subscription sa TV but I had to cancel it 2 months ago para makapagsave at symepre mabawas ang monthly subscription gastos. Ngayon, napansin ko na parang may limit na ang TV na it always asks me to buy a subscription every time I draw in the chart.

We made principal payments on our 10 year Pag-IBIG housing loan to finish it sooner. After the 3 year repricing, our monthly amortization went down, and when we computed it, the loan isn't really shorter. It only lowered the monthly amortization.

Is there a way to make Pag-IBIG shorten the term instead of lowering the monthly amortization? Has anyone been through this? Any advice would help. Thanks!

Curious whether it’s time to shop or to stop. Any thoughts or insights are appreciated!

I'm 43, have barista and baking experience, and a background in operations management. For former café owners or investors in the Philippines, would you recommend opening a café, a bakery, a coffee cart, a home-based baking business, or something else? What led you to that conclusion?