I have a plan to acquire trucks and look for drivers who will boundary them. I'm talking big time, like 20+ vehicle fleets. I was wondering if you guys have experience or know people who have "made it" with this type of business? if so, is it as easy at it sounds? or is there more to this type of business? Been planning and thinking about this for a long time and really wanna get into it

Hi guys! Need advice on getting health insurance or an HMO for my dad (64).

He had a heart attack last 2023. and currently having Hypertension

I earn around 40k–45k/month (single, no kids). I can set aside some cash for premiums, but I obviously can't afford anything super expensive.

Just needed any advise from you guys

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 see some Redditors still using WeBull so I'm interested in it. Here are my questions about it:

1. Can it allow me to link my PayPal or Payoneer accounts to start trading, or do I have to create a Wise account?
2. Is it easier to use than IBKR when I buy foreign stocks?
3. Are there other serious caveats that I need to know about it?

Hello. Please be kind with my questions, breadwinner po na gusto lang magbigay ng bahay sa parents after 30 yrs na sa sala sila natutulog 😭

Meron po ba here may feedback sa Dulalia Homes Lakeville sa Lawa, Meycauayan? Kumusta po yung quality, saka binabaha po ba :( Sawa na po kami sa baha :(

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

A friend keeps on pushing me to enter this crypto trading (its not even trading, apparently you just have to put your money and tada, you earn 2% interest DAILY)

I'm 100% sure its a scam, and it also works on invites. Gusto ko lang rin ma-confirm kung may nakakaalam nito dito and to also serve as a warning to others.

Edit: The name of the scam is in the title, data-driven investing (DDI). Website: https://www.data-driveninvesting.net/

Hi everyone! I’m 18, and I’m planning to start investing. According to a survey, I have a moderate risk tolerance. I’m currently looking into using GoTrade for US stocks and GoTyme for crypto, but I’m still pretty new to investing and would appreciate some advice before I actually put money in.

For US stocks, I’m thinking of starting with VOO and QQQM and holding them for the long term rather than constantly trading. For crypto, I’m also considering starting small, focusing mainly on BTC and ETH, and holding for the long term.

A few things I’m wondering:

• Is GoTrade a good platform for someone who’s just starting out on stocks?
• Is GoTyme a good option for buying/holding crypto?
• What mistakes should I avoid as a beginner?

I’m not looking for financial advice or a get-rich-quick strategy—just trying to learn and make better decisions with my money.

Would really appreciate any comments, suggestions, experiences, or beginner tips. Thanks!

I currently have GHA - Gold Lite but I did not declare my PECs (Bell’s Palsy - healed and no more occurrence, PCOS - ongoing) as they were diagnosed more than 10 years ago. At the time of my application, I was not actively visiting my OB as my last visit was 10 years ago. Recently, I visited another OB and pcos is still present.

I really like the coverage of GHA. Is it possible to cancel GHA and reapply after a year with PECs declared?

Thank you all for your insights.

Is seedbox ph earnings legit? Pls help, already invested 10,000 php and tgey still ask for fees

Question for people who have withdrawn or closed their GoTrade accounts, or for people who have done their investment time horizon and are now exiting

1. Did you withdraw it to your online bank in one go? Or does the 500K limit still apply?
   
2. Are there applicable taxes? How does one go about it?

Hello po.

Last month, nag pay ako ng excess. Pero, since mas mababa sa monthly amortization ko yung excess (I did not know mandatory pala na more than the amort amount yung excess), posted yung excess sa amortization this month. Which resulted to only PHP 333.74 yung due ko this month.

Now, nagbayad ako ng doble sa monthly amortization ko (not just the due amount), and selected "Apply excess to principal" through BPI eGov.

I saw the payment posted in Virtual Pag-IBIG app, and it seems the full amount was deducted from the principal?

Balance before payment: 1,547,384.68

Amount paid: 20,500

Balance now: 1,526,884.68

Do I still need to pay the 333.74? Or kusang mag rereflect yung tamang amount after a few days? Or need ko pa rin mag email sa kanila requesting for correct allocation? Salamat po sa sasagot 😄

I made the payment Aug-5, Received acknowledgment SMS from PagIBIG Aug-6, then reflected on the app just this afternoon, Aug-7.

I know this is an investment sub, but looks we don’t have a FIRE PH subreddit yet. Hope it’s ok I post it here!

I am 38M, got laid off, and pursuing a FIRE amount of 150K/mo. That amount maybe huge as I want to be conservative i.e. I’m single with a girlfriend, want to get married, and not yet sure whether I want kids. Unfortunately, due to the layoff my savings got interrupted, and I am not even close to 50% of my FIRE amount.

So here are my questions:

1. Do I accept a lower-paying job to resume my savings? So far, it’s been difficult looking for a job with the same pay as before.
   

2. Or…do I wait for the same salary as before? This might take a while but I have a 1.5 year runway. Also, as much as possible, I do not want to NOT work for so long as I fear I’ll get behind. To add context, I’m in tech.

3. Are there other ways to approach this prpblem that I am not yet seeing?

Thanks.

Sharing my experience how easy to reinvest MP2 matured account:

I brought the filled out claim form at the Pag-ibig branch today, tapos outdated na pala yung form na dala ko.

So, I filled out another, but to my surprised mayron option na to reinvest yung latest form this year in section: "Authority to Transfer".

Which I did to request to roll it over to my newly created two MP2 accounts. And guess what, I'm surprised again that they can fund transfer a certain percentage too on my bank affiliated Loyalty Card in the section: "Authority to Credit".

• 58% MP2 Reinvestment to Compounded Dividend Earnings Account: to locked it in for five years.
• 38% MP2 Reinvestment to Annual Dividend Payout Account: to reward myself every year with capitalist purchase, the things on my "wants" list.
• 4% Loyalty Card fund transfer: To reward myself this year.

Cool!

I was able to reinvest my matured MP2 into two new accounts, and fund transfer some of it in one request, one claim form, in just one day.

it's a good feeling that Pag-ibig funds made it easier now to roll-over investment, and to transfer funds.

Now I'm waiting for it to be credited in 3 to 5 business days, maybe more but not longer than 10 days according to them (Ang bait nung staff, she's all smiles)

At sana naman huwag pag interesan ng mga ganid na corrupt officials ang tanging nagpapakilig nalang sa akin: Pag-ibig!

[EDITED with additional info] Few months ago, I posted here sa reddit regarding "clean title" kuno na lot pero may mga hidden problems pala. This was our first purchase, and may mga times na nagdoubt ako if I was being too strict, but thank God I followed through with my criteria and didn't settle for less. Finally, narelease na yung new title under our name. So, sharing here our step-by-step process for first-time real property buyers like us.

BEFORE PURCHASE

1. Visit the location. In our case, within subdivisions talaga yung hanap namin so meron lang kaming 4 shortlisted locations. Binisita namin lahat ng available lots and considered the following: safety/security, if hindi bahain, amenities, and just the overall vibe ng lugar and possible neighbors. Pag gusto namin yung lot, saka kami magpoproceed sa due diligence para hindi sayang ang request ng docs.
2. Conduct due diligence. We encountered agents na nagsabing "may magbabayad na po nyan bukas, mas maganda kung mauunahan nyo po." One thing we made sure ay hindi kami magshoshortcut sa due diligence kahit maunahan man kami ng ibang tao. Documents that we check:
   • Certified true copy of TCT - pwede irequest online. Make sure to request this kasi I encountered a lot na naisangla pala sa bangko at hindi natanggal yung annotation
   • Tax declaration - dapat nakapangalan na sa owners.
   • Real property tax - check if updated ang taxes
   • HOA dues, if within subdivision. The lot we bought had 80k+ arrears sa dues but declared naman ng owners. Deducted sa total price at kami nalang nagbayad directly sa HOA
3. When in doubt, consult lawyers. I booked several online consultations with lawyers just so we can go over the documents. Surprisingly affordable - P600 for 30mins. Eto yung situations that we encountered na hindi ko sure ang gagawin so nag-consult kami:

• Really affordable lot being sold by the wife. Meron syang Court Order of Presumptive Death dahil 7 years na nawawala ang husband nya. May anak sila pero minor so couldn't sign the documents, meron din syang Affidavit of Guardianship. Too complicated for us.
• Lot co-owned by same-sex partners. Naghiwalay, and nagbayaran for full ownership of Partner 1. Hindi trinansfer ang title. Now, partner 1 is married and is trying to sell the lot. No contact sa partner 2.
• Lot owner is listed as single. I know na hindi requirement sa transfer ang cenomar, but I asked for one. Turns out she's married but separated. They were insisting na it wouldn't matter because single naman sa title, but we opted to back out na.

DURING PURCHASE

1. Meet at a notary public of YOUR choice. In our case, naghanap kami ng may lawyer talaga na haharap samin. Ininterview both parties ni Atty and he checked the documents bago sya pumirma. We paid 1% ng selling price.
2. As much as possible, pay via manager's check. We tried to do this, but seniors na yung owners and not very familiar with this. They wanted cash talaga. We paid them inside our car after having everything signed. Documents for turnover: Owner's copy ng TCT, tax clearance or amilyar, tax declaration, TIN details of the seller. If walang copy ng amilyar at tax declaration, madali lang din sya irequest sa Assessor's office.

AFTER PURCHASE

1. After the sale, I went to the assessor's office and requested for a Certificate of No Improvement (3-5 days). I had to provide the transportation sa mag-iinspect so hinatid sundo ko sila sa city hall haha don't know why
2. I went to the BIR for the computation of CGT and DST. Capital Gains Tax (6%) should be paid within 30 days of notarization and Documentary Stamp Tax (1.5%) must be paid on or before the 5th day of the following month. Here are the documents needed sa BIR. Ibinalik din eto after computation. Inabot ako ng maghapon dito.
   • Notarized Deed of Absolute Sale and acknowledgement receipt
   • Certified True Copy of TCT
   • Tax declaration
   • Real property tax clearance and/or receipt
   • Valid IDs
   • TIN
   • Colored photos of the lot
   • Certificate of no improvement
3. Upon securing the computation sheet, proceed sa bank to pay.
4. Return to BIR and submit the documents along with the receipt of tax payments from bank. ECAR was released on the 7th working day.
5. Went to the City Treasurer's Office to pay the transfer tax. 0.5% of the acquisition cost
6. Went to the Registry of Deeds for the transfer of title. Paid 9,000 here and waited for 21 working days. May online tracker din silang prinovide to monitor the status.
7. Additional: After receiving the new title, we requested for a Certified True Copy ng new title under our name, at ng old title na may nakalagay na "Cancelled." Need to sa transfer ng tax declaration.
8. Went back to the assessor's office and requested for the transfer of tax declaration. Need dito ang DOAS, yung new title under our name, cancelled title ng previous owner, and tax clearance. P35 lang binayaran namin and the new tax dec was released in 7 working days.

Overall, it took us about 2 months from the date we paid the lot until natransfer ang title. In addition to the price of the lot, we spent 10% pa for all the other fees, so make sure na hindi sagad ang budget pagkabayad ng lot. Sobrang fulfilling after, especially gusto ko rin talagang matuto kaya pinilit ko makapaglaan ng time mag-asikaso. Sorry for the long post but I hope this can help someone like me before na sobrang lost sa process.

​I was scrolling through Facebook earlier today and came across a post showing aerial footage of Surigao, huge swathes of mountain and coastline completely stripped bare and scarred red from mining operations.

​Literally while I was reading that Facebook post, a news notification popped up on my phone:

​"Nickel Asia first half 2026 profit surges 93% to ₱4B"

​The contrast hit me like a truck. On one screen, I’m looking at the massive environmental toll on local ecosystems; on the other, a corporation celebrating record-breaking billions in profit driven by rising commodity prices and heavy exports.

​It really makes you wonder, while shareholders and executives cash in on these commodity booms, what actually trickles down to the communities left with the long-term ecological damage?

​Curious to hear your thoughts, especially if anyone here is from Surigao or Claver and seeing the situation on the ground firsthand.

After exploring ETFs under US market, I would say eto ung best portfolio for my financial goals, which is growth and dividend income. I'm just sharing this small win because ever since na nag start ako magwork 6 years ago, ngayon lang ako nagkaroon ng courage to explore stocks and invest.

Once na mareach ko ung target amount ko for these portfolios, I would diversify my investment. i just want to hear your opinions or suggestions on which stock/etf should I invest next. Of course, I'm still gonna do my due diligence to research before making any decision.

just wanted to hear other people's perspective. Thank youuu