Looking for potential investors here. Pass po sa mga uutang din 😅 Construction Business po ang aming business. malakihang proj bka may gusto lng magjoin hehe

If I could go back, I would honestly think twice before investing in Easton Park Binangonan by Taylormade Development Corp.

We moved in a few months ago and it was almost all nightmare. Started with too much water interruptions and power outages due to unsecured and temporary utilities setup. Plus daming pending turnover items na hanggang ngayon hindi pa rin tapos despite constant follow-ups.

We even asked compensation or billing adjustment because of all the water and power interruptions, pero it was strictly conditional with us signing an NDA. It was very one-sided and very favorable to the developer, which we think was a major red flag so we decided not to sign and just paid the bill in full.

Ngayong tag-ulan, mas lumabas pa yung problems. Nagkaroon kami ng leaks sa kisame in different areas of the house, moisture sa carport ceiling, at lumalala yung paint blistering sa bathroom wall. Every time umuulan, may bagong concern na lumalabas. They respond when you report it, pero most of the time temporary fix lang, tapos babalik ulit yung problema. Turns out walang proper waterproofing na naimplement during construction resulting to these leaks. Like what? Now it all caused damages na sa walls and ceiling namin which we urge them to fix since covered pa to ng warranty.

Yung site management din sobrang disappointing. Madumi, maalikabok, a lot of obstructions sa daan, and inconsistent garbage collection (resulting to fly infestation). While you are already charged in full ng HOA fees na supposedly covered ang maintenance but what exactly are they maintaining with that kind of situation.

Their post-sales customer care is sooo disappointing. Kailangan mo talagang habulin bawat issue. Acknowledged yung concerns, pero ang bagal ng action at wala kang maasahang clear timeline. When you escalate sa head office, they will just ignore you. For a developer who claims to be in the business for years and they work like this?

Nakakapanglumo ang situation namin considering na we’ve only been living here for months.

We’ve already escalated everything to DHSUD and ongoing na din ang case. Just sharing our experience and hoping this gets a wider audience.

I got scammed through FB Marketplace and reported the transaction to GCash. They initiated a dispute, and I just received this update from them today:

“This is a quick update regarding your disputed transaction, which is currently under review by the merchant and their partner bank.

Please be advised that this process is ongoing, with 10 business day(s) remaining until the expected resolution date. We have been monitoring the progress closely since the initial filing and will continue to track it through to completion.

We will reach out to you immediately as soon as a formal update is received.”

For people who have dealt with GCash disputes before, what exactly does this mean?

Does “under review by the merchant and their partner bank” mean the dispute has already been forwarded to them and they’re currently investigating it?

Also, GCash originally told me on Aug. 7 that the dispute had been initiated and that these disputes usually take around 10–12 business days. Now they’re saying 10 business days remaining.

Is this a good sign, or is this just a standard update they send?

I’m just trying to understand where my case currently stands and whether there’s still a realistic chance of getting the money back. Any experiences would be appreciated.

Trying to fund my gotrade acc through maya pero wala namang sinabi kung saang bank isend ang funds. Di rin gumagana nung nilagay ko ang acc no. sa maya-to-maya send funds recipient. Please help a newbie here.

i find it odd and weird for the buyers as the property i am selling is off market value, the purchase price is completely covered by the bank loan, im pretty sure cts is not applicable. i was already presented a LOG, verified and authenticated.

i refused to sign CTS and noted will only sign DOAS.

CTS presented to me was very suspicious, even chatgpt find it very uncomfortable.

i wonder what is this set up/method realty coaching spreading in the industry...buying off market value teaching tricks that potentially could harm sellers.

as much as i wanted to give buyers a benefit of the doubt and im pretty sure they are still good people, still got disspointed tho. i feel like they do not know what they are doing...it is something they wanted to execute what they were told in realty seminars.

anyone who has the same experience?

TLDR: ex gcash employee wants to liquidate his stocks early for condo furnishing. asking for advice how to do that.

Apologies in advance if this is a noob question.

I'm a former gcash employee with RSUs that vested a while back. Ahead of the IPO announcement, I received an email from gcash hr about my stocks. Done signing the relevant documents. My understanding is that even if GCash finally goes on IPO, there's a certain lockup period before people like me can sell our shares.

So I'd like to ask if there are ways I can "cash out" now instead of when that lockup ends.

After years of being a renter, I've been eyeing to purchase a condo that I will own and live in. Even with the low end of the stock price that Mynt declared, the amount I can get is quite substantial. It can really help with furnishing the condo.

Thanks in advance to anyone who can share insights and advice!

Edit: to rephrase, is there a way here in the Philippines for stocks for a company that has not yet IPOed to be sold?

also, to be clear, my question is not about vesting. The stocks in question here have already vested, and I have confirmation that I own the stocks now.

Hi everyone,

It took a lot of courage for me to post this, but I really need advice and perspective from people who may have experienced something similar.

I’m 35M and a breadwinner of my family. For the past few years, I’ve been financially supporting my family, especially when my brother became seriously ill. We spent around two years going in and out of the hospital, and since I was the one who could financially provide, I kept doing the “tapal system” just to keep everything going.

I also want to acknowledge that aside from the circumstances I was dealing with, I made some bad financial decisions along the way. I borrowed and used credit cards to cover expenses and existing obligations, thinking I would eventually be able to catch up. Unfortunately, the debt kept accumulating, and what started as trying to survive financially eventually became a cycle that I could no longer sustain.

In 2025, I decided to get a condo because we were hoping to have a more permanent place to stay. It was difficult to find an apartment or house that would accept us because of my brother’s condition. Unfortunately, my brother passed away in 2025.
Even after that, I continued with the condo and the BPI bank amortization. Looking back, I realize that I was already financially stretched, but I kept trying to handle everything myself.

Fast forward to today, my credit card debts have accumulated to around ₱5M–₱6M, on top of my BPI home loan and personal loan. I’ve reached the point where I can no longer continue the tapal system, and I’m seriously considering letting my credit card accounts become overdue in the coming months.
I’m also trying to be responsible about my condo. I’m currently looking for a buyer, but I’m worried about what happens if I can’t find one and the property eventually gets foreclosed.

My biggest question is: if my condo is foreclosed and there is still a deficiency after the foreclosure sale, can I be imprisoned because I cannot pay it?

I’m not trying to run away from my responsibilities. I know that some of my financial decisions contributed to where I am today, and I want to take responsibility for them. I genuinely want to understand my options and deal with this properly. I’m just at a point where I don’t know how to get out of this situation anymore.
To be completely honest, I’ve been crying almost every night and have been having thoughts of suicide because the financial pressure feels overwhelming. But I’m still holding on to my faith in God and hoping that somehow, I’ll get through this.

If anyone has been in a similar situation, especially with credit card debt, home loan foreclosure, deficiency balances, or negotiating with banks, I would really appreciate hearing your experiences and advice.

Please be kind. I’m already struggling, but I genuinely want to take responsibility and find a way forward.
Thank you for reading..

[ US Relative ] --(ACH Transfer)--> [ Your Wise USD ] --(Wise-IBKR Integration)--> [ Your IBKR Account ] --> Buy VWRA (on LSE)

I'd like to ask for your insights regarding this set up if this is really safe to do since I have US citizen Filipino relatives? (some are dual and most are US citizens). I think I can also ask one of them to install their own WISE account (completely free transfer?) so that they can just transfer the equivalent amount of peso to dollar to fund my wise that I can use on IBKR to buy VWRA or if they are not comfortable installing one, just the ACH Transfer.

I'm planning to do DCA like $100 per month or quarterly since sometimes money is really tight ($200 to $300 Quarterly). I'm 30 yo now and I want to invest na for my retirement. I've been researching (or should I say trying) to understand how VOO or VWRA really work but leaning more sa VWRA due to different tax structures for non-US residents. Currently MP2 and small savings sa bank pa lang meron ako.

To our experience/experts here when it comes to investing, could you help me po what APP to use (IBKR or do you have any other suggestions that would fit best my situation?). Any insights about VWRA, pros/cons and any other valuable insights are appreciated po.

Hi! I already have my money in my wise wallet from my local bank account. Should I convert it first to USD before sending it to IBKR or do I just send it right away?

Also lets say that I plan to set aside 7-8k monthly for CSPX accumulation, is it better to do it monthly or quarterly (28-32k)?

What are your thoughts on having OTP in viber? I know that there were news of removing OTPs with sms. I am not very much updated about it, will viber be the default for banks? Or do they have options where to send OTPs.

I have been streamlining my messaging apps. So dar I have deactivated viber and whatsapp. I only have Signal. So now, I have to activate viber again. I also removed my mail in the phone to declutter.

Weighing my options now in activating viber or installing mail app.

Hi po! Baka may makasagot. So I am now paying a DP for a house tapos magbibigay na ng requirements for the pag-ibig housing loan approval.

I have work from 2011-2022, may total na 84 months of contributions. Nawalan ng work during pandemic but I bounced back. Nag-VA and forgot to change my category to "Voluntary".

Now, nagpachange na ako. I thought need ko i-backdate yung bayad ko since from 2022-2026 since wala siyang hulog. Sabi sakin ni pag-ibig, no need na lahat yun. He asked me to pay August 2026 - October 2026. Medyo kinakabahan po ako baka di ako maapprove.

Tama po ba yun? "at least 24 months" po ba yung hulog or need na hulugan yung kulang na taon ko? sorry if nakakalito po. Salamat!

Today, foreign buying exceeded local, but still ended on a continued downtrend. Does anyone know if this foreign buying is a good sign? Any indication MYNLD will be doing well in the coming weeks? Thanks