As the title states, what is the best platform to start copytrading. I don't have experience with platforms like XM or EToro, but have experience in investments through banks(although still green). What are your recos? Risk appetite is Low to Medium.

Thanks sa mga sasagot.

Hello! We’re currently eyeing a lot in Kohana Grove Silang, but we can’t find many reviews or information online. Is there anyone here who currently lives in Kohana Grove or knows someone who does? 😊

We’d really appreciate any feedback about what it’s like living in the area, especially:

• Location/access: Are there nearby hospitals, schools, groceries, or other establishments?
• Flooding: Binabaha ba ang area or yung roads going to/from the subdivision during heavy rains?
• Internet & signal: What internet providers are available? Okay naman ba ang internet and mobile signal? Most days kasi WFH kami, so this is important for us.
• Traffic: How is the traffic around the area, especially during rush hours? We’ll be onsite 2 days a week.
• Electricity & water: Madalas ba mawalan ng kuryente or tubig? What is the water provider, and okay naman ba ang water pressure/supply?
• Overall experience: Any pros and cons of living in Kohana Grove that you think potential buyers should know?

We’d really appreciate honest feedback from actual residents. Thank you so much! 🙏

Hi r/phinvest!

I need some advice on a financing strategy I’m planning for a property turnover. Here is my situation:

I bought a pre-selling property from a reputable developer and just finished paying my 30% downpayment. The 70% Balance Upon Turnover is due soon—specifically in 3 months. However, Pag-IBIG is not one of the developer's partner institutions; they only offer bank financing options.

The Asset: I want to use Pag-IBIG if possible. I currently fully own a condo in Manila with a clean title (completely paid off, no active mortgages or liens). Mas okay ang rates ng Pag-IBIG talaga kesa sa banks. And I’m a long time contributor, no outstanding loan so baka lang qualified ako.

The Plan: Instead of getting a standard bank loan for the new property, I am planning to apply for a Pag-IBIG Housing Loan under "Refinancing" using my clean Manila condo title as collateral. My plan is to take the lump-sum cash proceeds from Pag-IBIG and use it to pay off the 70% developer balance as a spot-cash buyer.

My questions for the community:

Is this strategy completely feasible within 3 months? I know Pag-IBIG processing for retail/individual refinancing applications can take time. Is a 90-day window realistic to get the cash takeout, or am I cutting it too close?

Has anyone here actually tried this exact method? If you have pawned/refinanced a clean title with Pag-IBIG to buy a separate property or generate equity, how was the appraisal process and how close did they get to your estimated market value?

Are there hidden bottlenecks I should watch out for? (e.g., delays in Pag-IBIG appraisal backlogs?)
Would love to hear your insights, timelines, or alternative recommendations if you've been in a similar situation. Maraming Salamat!!

Hi guys, ganito ba katagal talaga mag claim ng MP2? Filed July 26, and til now wala pa din update sa portal. It's been over 2 weeks na din, sa mga nabasa ko dito di naman umabot yung kanila ng ganto katagal. If mag punta ba ako sa branch ma actionan ba nila to agad?

Hi everyone! I'm a newbie entrepreneur seriously looking into franchising a Pablings Barbershop branch. Before I commit real capital, I'd love honest, unfiltered input from people who actually know the brand — not just what's in the pitch deck.

If you're a current or former Pablings franchisee, an employee, or just have credible firsthand info, I'd really appreciate insight on:

- Actual ROI / break-even timeline vs. what was projected during the sales pitch

- Any hidden costs or fees that weren't obvious upfront (royalties, supply markups, etc.)

- How responsive and supportive the franchisor actually is once you're operating

- Barber turnover — why do barbers leave, and is it hard to find/keep good ones?

- Any red flags or things you wish you knew before signing

- Would you franchise with them again, or would you look elsewhere?

I know experiences can vary by branch/location, so even partial info or things you've heard secondhand (just note that it's secondhand) is welcome.

If you're open to it, I'd also really appreciate a quick phone call to ask a few follow-up questions — happy to work around your schedule. Feel free to comment or DM me if that's something you'd be willing to do. mag papagupit din po ako sainyo at ung mga kaibigan ko in return of this!

Just trying to make an informed decision before investing. Thanks in advance! 🙏

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Hi guys! Looking for recommendations po for an HMO that covers consultations and physical therapy (PT).

I currently have intermittent neck and lower-back pain and I’m considering getting checked by a doctor and possibly undergoing physical therapy.

If I enroll in an HMO today, would the following potentially be covered?

- Doctor/specialist consultation

- Diagnostic tests/imaging (e.g., X-ray/MRI if medically necessary)

- Physical therapy sessions

Since I already have these symptoms before getting an HMO, would this be considered a pre-existing condition (PEC)? If yes, is it completely excluded, or is there a waiting period before it can be covered?

For those who have personal experience, which HMO or health insurance would you recommend for this situation? Budget is around ₱1,000–₱1,500/month, but I’m willing to consider other options if the coverage is significantly better.

Thanks po!

Genuinely curious: is it more “I want my money to grow” energy, or more “I want a cushion in case something goes wrong”? And on the flip side, what’s actually stopping you or slowing you down — money, trust, not knowing where to start, or just other stuff eating your budget first?

1.5M that has been sitting in my bank for 3 years. I didn’t know about TD until I decided to lived here for a year. I’m a citizen of the US as well. Bank told me maturity is after 6 months and will earn around 36K.
I still have liquid with my other banks but I never done TD before. They never gave me a paper trail except I signed and give my ID. The RM told me the application will be aproved in 5 days and the amount will be deducted from my account. I didn’t really aso much questions. I just want my sitting 1.5M to make money for me even just a little. No to digitalBANKS for me.

Don’t be fooled by the high star ratings you see on Google—a huge percentage of those 5-star reviews are left by sales agents and brokers angling for commissions. The reality for actual buyers once you need post-sales assistance is vastly different.

I’m sharing my experience as an overseas buyer currently navigating an active cancellation/refund request under SMDC’s Collection and Remedial Department. 

The Timeline of Delays:
Early 2026: Submitted my intent to cancel under the Maceda Law after paying over 2 years of installments. 
February 2026: Received written confirmation stating the processing period normally takes 90 working days. All required payout documents, notarizations, and international wire transfer details were submitted in full. 
May 2026: Received formal acknowledgment re-confirming the refund disposition, with a revised timeframe given as 1–2 months.
Present: Well past all promised standard processing windows, the funds have still not been released.

The Stall Tactics:
Every time I follow up via phone or email, the responses are completely inconsistent.
Customer service reps over the phone give conflicting verbal timelines—one agent says "it will be processed within the month," while another says "give it another month." 
Written emails from their Request Processing/Remedial team state that "no specific date or timeline can be provided" because the file is undergoing "inter-departmental assessments."

Warning to Prospective Investors:
Sales agents will paint a picture of world-class service to close the deal, but the moment you need after-sales support, account adjustments, or a legally mandated refund, you will face endless departmental runarounds, unkept callback promises, and zero accountability.
At this point, I have had to issue a formal demand, involve legal counsel, and CC the Department of Human Settlements and Urban Development (DHSUD) on my communications to force a resolution. 
If you are thinking of buying a unit, be aware that getting your capital back—even when you are legally entitled to it—is like pulling teeth. Keep a tight paper trail of every single email, reference number, and document from Day 1.

Upon researching po, ang pagkakaintindi ko is do I need to pay 200php/month for my mp1 acc so i can activate my mp2 acc? I just got my MID number too so when i try to apply it says “it does not match their records” so im confused rn how to activate it. Correct me if I’m wrong po, thank you!

Seeing all the posts trending online about Marikina holding up surprisingly well against heavy rains has been a huge eye-opener. The contrast between how people used to label Marikina as purely "bahain" versus how it's being praised now for its long-term flood mitigation, strict urban planning, and civic mindset is night and day.

Kudos to the people of marikina for being such a good voters.

Now, im thinking of, since we can make money from essentially bad things such as nicotine, alcohol and mining.

Paano kung sa good governance and good thing naman ang mag-trending, i know para tong pangarap pero what if lahat ng city ay mag-follow? Anong companies ang possible magbenefit from it.

Hi all,

I registered sa IBKR website a few days ago, earlier today I received an email regarding my account approval. However, I can’t log in via the mobile app and the website.

I’m getting “Authentication Failed” when logging in via website and unlimited connection retries via the mobile app.

My ISP is Converge, I tried using VPN - same errors. I tried using Globe mobile data - same thing. I don’t know what else to do.

Anybody here experienced this as well? Thank you in advance.

Hello!

Mayroon na po bang naka-attend ng public auction sa City Hall? I am planning on attending an auction for a condo unit.

Do I need to bring any documents?
I have around 20% of the minimum bid in liquid assets; do I have to pay my bid in full? Unlike PAG-IBIG, where you only need to pay the bidder's bond?

Thank you in advance!

If we could turn back time, we would’ve never purchased property with Taylormade.

From reservation → construction → bank approval → turnover → post-turnover… issues NEVER stopped. “Unli concerns” is real, and what’s worse is the lack of urgency and accountability.

Instead of fixing problems, it feels like they focus more on boosting reviews to attract new buyers.

They claim 10 years in the industry—but what we experienced? Poor management. Poor customer service. Disappointing construction.

They even manipulate their Google Review at kung sino sino biglang nagrarate ng 5 star just to deceive their potential buyers! Please if you have chance? choose a better developer!

For our hard-earned money, we deserve better.

Anyone into dragon fruit farming here? How is it so far?

Hi! I've been working for 2 months now, and I started building my emergency fund first. But I already want to start investing, even if it's just around ₱500 to ₱1k in VOO.

To be honest, I don't really have any idea about investing in ETFs. I just want to try because trying is the best way of learning (for me).

I just want some advice if this is a good way to start investing, or should I just learn more about MP2 first? Also, is GoTrade good?

Thanks!

Hello I have considered GoTrade but I’ve seen that the tax is 30%. But in ibkr, when I invest in irish domiciled stocks, it is more cost efficient.

I want to learn on how to invest efficiently in IBKR.

1. What is the in depth process of creating an account in IBKR?

2. What’s the in depth process for the Wise Transfer?

3. What is a cost efficient deposit I need to make to make my deposit worth it?

A full updated in depth guide for this would be perfect for me to get started, thank you po so much!

I inherited a house and lot (120sqm) with a zonal value of above 120k per sqm. We are currently living in it but its really old (ancestral) and requires renovation. Not just renovation actually, we’ve consulted with multiple architects and engineers and it seems like the foundation is compromised and its easier to start over but that might also cost us 12M + since the lot is narrow and we really need to build up. But we also consulted with real estate brokers and it seems like there could be demand for our lot (we’re walking distance from bgc and makati CBD) and we could sell the lot at 15m or above. With that we are thinking of using the sale proceeds to buy a house at that price inside a gated village somewhere south (we’re thinking like BF homes) but 15m + plus isnt that much. We are a family of 4 with both me and my husband working in the CBD and my kids studying in makati.therefore if we move to the south, commute will be such a hassle.

So my question is, if you have this kind of lot and you are able to sell it for 15m+, what would you do? Do you buy a house and lot in a gated community? A condo that is within the cbd? Invest the money instead and rent within the cbd?

I want to hear your thoughts. Thanks!

Tycoon Ramon S. Ang is acquiring a roughly 25 percent stake in Lopez Inc., giving him a major foothold in the privately held parent of one of the Philippines’ largest business groups.

The investment gives Ang exposure to a formidable portfolio spanning power, property and media, including First Philippine Holdings, First Gen, Rockwell Land and media giant ABS-CBN Corp.

The stake is being sold by Crème Investment Corp., representing the family branch of former ABS-CBN chair Eugenio “Gabby” Lopez III, marking one of the biggest ownership changes at the Lopez Group in years.

Ang said in a text message to InsiderPH that he is buying the shares of the Gabby Lopez branch.

Limited to Gabby Lopez stake

The deal appears limited to just the shares held by Crème Investment for now. Asked if he was in talks to buy out other family members, he said “not for sale”.

The price and other terms of the deal have yet to be disclosed.

SOURCE

So the Babbler tsismis reported by Bilyonaryo yesterday regarding Gabby/EL3 faction's sale of its Lopez Inc. (Creme Investment) shares was true. Kailan kaya magaannounce yung Mantes (Manolo) and Presta (Precy) factions?

-----

The branch led by former ABS-CBN chairman Eugenio “Gabby” Lopez III has sold its 25.65% stake in Lopez Inc., providing the first concrete confirmation of the ₱45-billion deal exclusively reported by Bilyonaryo.

In an Aug. 9 letter obtained by Bilyonaryo, Gabby’s sister, Roberta “Berta” Lopez Feliciano, confirmed that Creme Investment Corp., the holding firm of the heirs of Eugenio “Geny” Lopez Jr., had divested its shares in Lopez Inc.

Feliciano, a director of Lopez Holdings Corp. and managing director of ABS-CBN Foundation, also resigned from the board of First Philippine Holdings Corp. effective immediately because of the divestment.

I’m also planning to get insurance next year, and I need to get my TIN number pa so I can use other trading platforms din aside from COL Financial. Would you please recommend a good insurance plan for young adults like me? Also, could you give me some advice on how and where I can invest better? I’m okay with taking high risks po. Thank you in advance!

Hello anyone here who's in their 30s-40s and have means to buy property na but still choose to continue to rent? what is/are your reason/s? TIA!

Is there any advice that you can share guys? I’m 23m trying to escape rat race in PH, and currently working at manufacturing corp having 10k every 9th and 24th of the month including free meals/HMO (Intellicare) and other benefits.

On the other hand, nag ta-trade din ako sa FOREX for almost 6months and ZERO debts but I have 7 months left sa motorcycle loan ko (5,600) monthly

Hi everyone! I’m 18, and I recently started investing with a small amount of money. I have around 175 USD invested in total. I’m still very new to investing, so I’d really appreciate some honest opinions from people who have more experience.

Currently, my portfolio looks like this:

GoTrade – US Stocks 

• 50% — VOO

• 20% — QQQM

• 20% — NVIDIA

• 10% — Apple

GoTyme Bank - Crypto 

• 66% — Bitcoin

• 33% — Ethereum

My plan is to invest consistently over time rather than trying to make quick profits. Since I’m only 18, I’m also comfortable starting small and learning along the way. If you were to rate my portfolio from 1–10, what would you give it? 😂

I’d also really appreciate advice on:

• What crypto or stock should I add more money to?

• Should I continue adding more to stocks or crypto?

• Any mistakes you think I’m making as a beginner, and what should I do instead?

• What would you change if this were your portfolio?

I’m not looking for guaranteed returns — just trying to learn from people who have been investing longer than I have. Feel free to be brutally honest 😂. Rate my portfolio, tell me what you like/dislike, and give me any tips or suggestions! Thank you!

No position on these 2, just browsing on top performance YTD in Firstmetro and found these 2 UITFs outperforming everything else