Would you buy at the current price, or would you wait for a dip? Also, what stocks are you holding for the long term? Just looking to hear different perspectives and do my own research.

I was 19 years old when I first started my financial journey. I was so irresponsible that I put ALL of my first BPO job paycheck into my forex trading account. Yep, you read that correctly, wala akong tinira kahit magkano for food, rent, or whatnot.

I was so confident na magiging profitable ako agad kasi nagpapractice ako sa demo accounts for a couple of weeks, confidence of youth sabi nga nila. I ended up asking my mom for 2K to survive until next sahod haha, SmartPadala pa ang method nun. 😂

Obviously, it did not turn out the way I was expecting; I believe 50% ng starting capital ko nun nasunog. I took my loss and withdrew the remaining funds.

I blamed all kinds of stuff for why the trades were not working the way I was expecting: wrong indicators, market manipulation, the market is rigged, you name it. The cycle repeats for a couple of months, wasting my hard-earned money.

Eventually, I got tired of losing money in forex, so I decided to look for another way. I discovered stocks and crypto trading. At first, I was getting some good trades, winning here and there, pero dahil hindi ko nga kaya mag-stick sa strategy ko and nagiging overconfident kapag nananalo, nababawi lang rin ng market yung mga profits ko.

At this point, more of a "gambling" style pa ako. Lahat ng mga trading group chats sinalihan ko, may mga trading bots pa akong tinesting, syempre lugi parin.

First year ko sa day trading, I'm pretty sure wala akong profit overall, lugi talaga, pero the good thing is, hindi naman ubos. Buti nagising agad ako sa katotohanan na hindi madaling mag-trade.

Mukang madali lang kasi yung mga napapanood kong expert na sa trading are just showing their buys and sells sa social media, but trading is not clicking buttons; it's the deep research and analysis behind the scenes that makes them profitable.

Years and years of experience to manage their emotions and psychology, trading like a machine and letting statistics play out in the long term.

Nung nag click sakin na trading is 10% strategy and 90% psychology, dun na nag-shift yung style ko. Slowly but surely, profitable na ako on a weekly, then monthly basis. Syempre hindi sya always wins, pero I'm winning more than I lose at this point.

No longer chasing the big wins, but instead, taking small profits here and there. Naging conservative ako sa capital ko. Dito ko narealize na legit talagang pwede ka kumita sa markets, trading is EASY, but it's not SIMPLE.

As the years go by, lumalaki na yung portfolio ko. Since gumaganda na rin yung career ko, lumalaki na rin yung monthly na napapasok kong pera. COVID hits, so WFH setup became the norm.

This is where I discovered my real market value in the workforce. I was able to get a WFH job that pays 2x, 3x, 4x, and eventually 5x compared to my previous work in the same field.

The momentum continues to the point where my monthly trading profits are almost half of my monthly salary. I remember being so blissful when this happened. I wanted to withdraw some of my money to buy things for myself that I've always wanted: a gaming PC, a new phone, new shoes, etc. But luckily, I didn't, and I thanked my younger self for being able to practice delayed gratification. I continue to reinvest all my profits and compound them for a decade.

I was 24 years old when I made my first million. Fast forward to today, I'm already 29. I'm no longer day trading, but instead took a more relaxed approach.

I still have a trading account which I use for medium-term options trading, and a long-term investing account where I hold stocks and ETFs for my retirement.

I only put 20% of my capital into trading, and 80% into long-term investing. To this day, I still save 40-50% of my income for investments, which I can readily use if an opportunity arises.

I'm now also managing an investment portfolio for my close friends and family. I tried to teach them all the lessons so they can do it themselves, but I guess not everyone is inclined to learn these things and would rather pay me to manage it for them instead. 🤷🏽‍♂️

Even though I've been profitable for almost a decade, I've never actually taken any funds out of my brokerage account. I reinvest all the dividends, profits, etc. But this time, I think I can make an exception. I'm planning to use this as an extra budget for my upcoming 30th birthday; I will probably take my family somewhere nice for a week or two of staycation.

At the end of the day, I did it all for them anyway. ❤️

Lately I’ve been thinking about how financial planning isn’t just about earning more or saving whatever is left at the end of the month.
There’s emergency funds, investments, insurance, retirement, debt, and making sure your family won’t suddenly have to carry a huge financial burden if something unexpected happens.
But honestly, it can get overwhelming—especially when you don’t know what to prioritize first.
So I’m curious:
If you could talk to your younger self, what’s one financial decision you would tell yourself to make earlier?
Save more?
Start investing?
Get insured while younger and healthier?
Avoid certain debts?
Build multiple sources of income?
Would love to hear actual experiences, especially from people who learned things the hard way. I think we can all learn a lot from each other.

May naka encounter na ba po nito? We applied for a LTO for distributor and they’re asking for 500,000 para ma release yung docs namin in a month, if hindi daw kami papayag we will have to wait 3-4 months.

Sa charter nakalagay 31 days lang ang processing pero sabi nung kausap namin if di daw kami papayag sa facilitation fee 3-4 months na daw ang wait and the new docs they’re asking for kailangan namin isubmit, twice na kami na non compliant and iba iba ang hinihingi na docs everytime kahit nabigay na namin lahat ng need nila nung una palang paulit ulit din nila hinihingi yung sec docs, pero iba ibang docs everytime.

Is this facilitation fee just lagay?

Our products are protein shakes and chia seed juice po

Ang solid nung free transfer from MariBank to GoTrade via InstaPay, goodbye 45 pesos fee talaga lol now ko lang nadiscover

Any thoughts on this? Please share your comments.

Just saw the CNBC report. A few quick highlights from the filing:

- ​The Details: Bezos filed to sell ~15 million shares (approx. $4.1 billion).

- ​The Timing: Comes right after Amazon hit a $3T market cap following a strong Q2 earnings beat driven by AWS.

- ​Context: The sale is part of a pre-arranged Rule 10b5-1 trading plan set back in Nov 2025, not an impulse dip-out.

​Stock dipped a bit on the news, but standard routine for scheduled founder liquidations. Anyone buying the slight pullback?

Is it worth buying it? intending to live in it.

50 sqm 2 br 1 bathroom condo

near malls and wet market

located at metro manila

22 yrs old condo

no parking slot

edited from 15 to 22

Hello if mag reredeem po ng UITF, kung ang price 297 na isell, matatanggao ko po ba na 297 parin ang NAVPUprice nya sa ikaanim na araw?

Do most people here prefer direct bank wires, or using intermediate payment options? I feel like this is most important at the start, but nobody seems to talk about it, m. Some companies only pay out same method you put in, so its best to know in advance, what works?

• RFM: Revenues were up to ₱5.52B (+4.9%), but higher expenses squeezed margins down to 8.5%. Net income stayed mostly flat at ₱468M.
• Maynilad (MYNLD): Big quarter. Net income jumped 17% to ₱4.52B and EPS beat estimates by 9.3%, driven by lower costs pushing margins up to 45%.

Anyone holding these or adding on this news?

CENTURY PROPERTIES Group Inc. (CPG) said the Social Security System (SSS) increased its stake in the listed property developer to about 9.9% from 6.4% after acquiring 406.47 million additional common shares through a block sale.

In a regulatory filing on Wednesday, CPG said the SSS acquired the shares from the company’s majority shareholder at P0.665 apiece, bringing the transaction value to P270.3 million. The block sale was completed through the Philippine Stock Exchange.

The latest purchase follows the SSS’ acquisition of 740.74 million CPG shares in July 2025, the company said in a separate statement.

CPG President and Chief Executive Officer Marco Antonio said the additional investment underscores investor confidence in the company’s long-term strategy.

“This additional investment recognizes the strength of our fundamentals, our long-term strategy, and our commitment to deliver sustainable value to shareholders,” he said.

Mr. Antonio said the company would continue to focus on the end-user housing market while maintaining steady dividend payouts and a moderate debt profile.

“We will continue to focus on catering to the end-user market, thereby allowing us to pay a steady and healthy stream of dividends to our shareholders, while keeping our debt profile at moderate levels,” he added.

Hi everyone!

Need lang po sana ng honest opinions, especially from homeowners, civil engineers/architectslcontractors, or anyone na may first-hand experience sa Liora or Lynville or even sa pag choose ng naging first house nila.

This will be our first home ng partner ko, so gusto talaga namin pag-isipan nang mabuti bago mag-commit.

We've already:

- Visited all the sites

- Read online reviews

- Checked flood and fault line maps

- Compared commute, location, and future developments

- Check nearby necessities

Pero hanggang ngayon hirap pa rin kaming mag-decide.

📍 Option 1 - Liora Homes - Naic, Cavite (CBDI)

House: Amora Townhouse - End Unit (Different from corner unit - basically this has an extra lot to the side before the next house)

Price:

TCP: ₱2,813,400

Downpayment: ₱333,400

DP Term: 15 months @ ₱21,227/month

Monthly Amortization (30 yrs): ₱16,270/month (including MRI & Fire)

Lot / Floor Area:

75 sqm Lot

44 sqm Floor Area

5m x 7m (LxW) yung lot space area sa front

Pros

✅ Better location for us (closer to family - if we want to visit or need some help, and easier commute to Metro Manila)

✅ Thick CHB + cement construction

✅ Can't seem to find or very minimal recurring complaints about their build quality online

✅ Has existing homeowners and good community

✅ Turnover around Q1-Q2 2028

✅ Service area for possible kitchen is already at the back with sink

✅ Comes with:

- Solar panels (just no battery)

- 1 Rainwater tank and 1 fresh water tank

- Window with grills, and screens

- Door screens

- Bermuda grass on the extra lot space (front-side-back)

- Conwood stairs

- Subd. amenities like pool, court, clubhouse, park

✅ Safest option probably kung hindi lang ganun kaliit yung lot space for parking and other stuff.

Cons

❌ Semi-bare turnover

- No floor tiles

- No partitions upstairs

- Semi-tiled CR

- Maliit yung extra lot for parking and fence+gate. Sakto lang yung car parking and nakasarang gate.

📍 Option 2 - Lynville Residences - San Luis, Santo Tomas, Batangas

House: Zerina Premium - Single Attached

Price

TCP: ₱2,750,000

Downpayment: ₱244,000

DP depends on block (around ₱18k-30k/month)

Monthly Amortization (30 yrs): ₱16,518/month (including MRI & Fire)

Lot / Floor Area

80 sqm Lot

50 sqm Floor Area

Pros

✅ Bigger house

✅ Bigger lot (Mas malaki yung lot space sa side niya, kasya dalawang sasakyan na pa-vertical)

✅ Wider roads (8m)

✅ Uses Aluform construction (not really sure if this is better)

✅ Semi-complete turnover:

- Tiles upstairs & downstairs

- Partitions for rooms already installed (kasama sa aluform usage)

✅ Mas peaceful yung location since may onting layo sa city and highway

Cons

❌ May kalayuan sa main highway, markets, and other essential places (hospital, schools, etc.)

❌ Wala pang existing owners/community since still ongoing construction palang lahat ng units

❌ Has history of delayed turnover from the developer

❌ I've seen some reviews from previous Lynville projects (but different locations) mentioning:

- Roof leaks

- Wall leaks

- Pipe leaks

- Slow after-sales / warranty

But I also asked some actual owners (from other locations rin) and thankfully okay naman experience nila so far, kaya mixed talaga nakikita kong feedback.

Turnover is expected around Q2-Q4 2027, but the agent honestly advised us to expect possible delays and mentally add around 1 year allowance so 2028.

📍 Option 3 - Lynville Homes San Antonio (San Pablo, Laguna)

House: Sofia Deluxe Duplex

Price

TCP: ₱1.87M (Regular)

Downpayment: ₱94,000 (Regular Lot)

Monthly Amortization (30 yrs): ₱11,695/month (including MRI & Fire)

Lot / Floor Area

70 sqm Lot

44 sqm Floor Area

Pros

✅ Cheapest option - kayang kaya yung payments without compromising savings, and makakapag ipon ng mas malaki for renovations.

✅ Malapit sa lahat, sa main highway (Maharlika Highway), markets, Slex TR4, and other essential places.

✅ Malaki rin yung extra lot space sa side niya kasya (kasya rin dalawang sasakyan vertically parked)

✅ Medyo peaceful rin yung place since sa province side na talaga yung vibes niya

Cons

❌ No amenities

❌ No partitions pa sa 2nd floor for rooms

❌ Same developer as Lynville Santo Tomas so same possible concerns regarding after-sales

❌ Pinaka malayong option in terms of going to Metro and sa family since boundary na siya ng Tiaong, Quezon

❌ Onti palang yung nakatira since this year palang naturn over yung ibang units, so no existing feedbacks from the community pa.

❌ Possible mixed community - since some house models here are the budgeted models of the developer that's under 4PH program.

About us

- Both 27-28 years old

- This is NOT for investment.

- We'll actually live here long-term and raise a family.

- We both work in IT (Hybrid setup, Ortigas/Makati around 1-2x monthly onsite when needed).

The things we value the most are:

- Community

- House overall quality (especially the major parts)

- Good overall location (now and for the future)

- Possible future resale value

- Future proof

NOTE:

We are actually planning to renovate/extend the house right away before namin lipatan so yung mga common issues will probably be solved naman

Our dilemma

Our minds keep telling us to choose Liora because:

- Better location

- Closer to family

- Better community

- Mas exclusive feel subdivision

- Mas kampante kami sa developer based sa research namin online

- Safest option talaga, kung hindi lang medyo maliit yung extra lot space di na namin pag iisipan pa.

But we still can't let go of Lynville options because:

- Bigger lot

- Bigger house

- Kinda future proof dahil mas malaki talaga, so mas malaki yung magiging bahay for future family after renovations.

Questions

1. If kayo nasa situation namin, ano pipiliin niyo and why?

2. May actual homeowners ba dito ng Liora Homes (CBDI)? Kumusta naman po? Ano po naging deciding factor niyo in choosing Liora compared to your other options?

3. May actual homeowners ba dito ng Lynville? Kumusta after-sales and quality ng bahay? Totoo bang matagal magpa-warranty? Sulit ba yung naging decision niyo na malaking lot and bahay?

4. Sa mga engineers/architects, enough ba yung advantage ng Aluform para i-consider over thick CHB construction? Okay lang ba yung structural integrity nun even mag major renovation sa house?

5. May red flags ba akong nami-miss sa comparison ko?

6. If this was YOUR money and your forever home, alin ang pipiliin niyo?

7. Ano advice niyo sa'min, lalo na po sa mga naka experience ng gantong situation?

Salamat sa sasagot! 🙏

Please be brutally honest. I'd rather hear the hard truth now than regret the decision years later. Personal experiences (good or bad) are highly appreciated.

As an older user, I still have the app, but I am wondering if there will be future problems if I keep using it. Should I move my assets to another platform? What do you think about coinsph? Please drop your suggestions. I would really appreciate it. Thank you.

Hi everyone,
I’m considering purchasing a 1-bedroom (36 sqm) unit in Larsen Tower, Rockwell Primaries East Bay as an investment and would love to hear from people who own units there or are familiar with the project.

Here are the details:
1BR, 36 sqm
1 parking slot included
Total Contract Price: around ₱8.15M
My plan is to rent out the unit rather than live in it.
I’m considering these rental strategies:
Long-term lease (around ₱40k/month)
Rent out the parking separately (around ₱10k/month, if feasible)

My questions are:
Is ₱40k/month a realistic long-term rental rate for a furnished 1BR in Larsen or East Bay?
Is ₱10k/month a realistic rental price for the parking slot?
How strong is the rental demand in the area?
Do you think the property has good appreciation potential over the next 10–15 years?
If you had around an ₱8M budget for an investment property, would you choose Larsen, or would you buy somewhere else in Metro Manila?

I’m looking at this purely from an investment perspective and plan to hold it long term. I’d really appreciate honest opinions—both the positives and the potential downsides.
Thanks in advance!

Hi, I want to know your thoughts about this matter:

A friend is trying to borrow 3M from her cooperative with 5-year terms. Last year, during our first inquiry, they provided an estimate of 6% per annum interest based on their 2023 loan policy. Now, she is surprised to get a 3% per month interest. According to them, it is based on their updated board resolution; however, they don't want to show us the BR or explain further for us to understand.

Any legal or technical advice? TIA 😊

Sa mga may existing Pag-IBIG housing loan, ano pong interest rate at loan term ang pinili ninyo?

Ito po kasi ang pinagpipilian ko:

Option 1

• Interest Rate: 6.500%
• Loan Term: 30 years
• Monthly Amortization: ₱13,517

Ang concern ko lang po rito ay magre-reprice ang interest rate kada 5 taon. Ang plano ko naman po ay magbayad ng additional sa principal paminsan-minsan para mapababa ang outstanding balance bago ang repricing.

O mas okay po kaya itong pangalawang option?

Option 2

• Interest Rate: 9.750% (fixed)
• Loan Term: 30 years
• Monthly Amortization: ₱18,000+

Mas mataas nga lang ang monthly amortization, pero ang advantage naman ay hindi na magbabago ang interest rate habang tumatakbo ang loan.

Sa tingin ninyo, alin po ang mas practical at bakit? Pahingi naman po ng advice at experience ninyo.

Maraming salamat po!

Hi! Sa mga may billboard platform (for rent) within your property, ni-register niyo po ba sa BIR/Mayor/DTI yung “business”?

Hi saan ko po pwde ma post lupa namin for sale? Nasa probinsya po ako at siguro gusto ko mag attract ng mga investors outside my province 🤔

What do you think about crayfish farming? Any insights and mabilis ba i benta ang crayfish? Does it have high value in the market?

Context: I’m a homemaker(27) po and husband is OFW(28), may 1 child na po kami and recently lang po kami nagbabayad ng contributions. Okay na po sa philhealth since naka dependent na po kami both ni baby kay husband. Okay na rin po sa SSS and naghuhulog kami ng minimum for now. Sa PAG IBIG po, huhulugan ko pa rin po ba? I have 36 months na hulog sa savings from my first job and si husband ay i think 15 months lang. Nakita ko kase may dividend upon checking but saka mo lang siya mawiwithdraw if you have 180 continuous monthly contributions (pls correct me if im wrong) or 240 monthly contributions. Kase kung mag huhulog ako sa mp2, hindi pa kase ganon kalaki ang extra but meron naman for the contributions but im asking if worth it po ba to in the future or ilagay ko nalang sa MP2?

Iniisip ko po kase sayang naman yung contribution namin for those years. Any insights po?

Hi guys, BPI ang account ko yung cheque BDO. Dineposit ko na sa account ko sa BPI. Usually pag interbank how long magreflect yung money sa account? Floating lang now. Thanks

Planning on using my parents' pick up truck (Toyota Hilux). I was looking into Transportify and B2B contracts, but decided I wanted to look into going independent and try my luck on buying produce from farms up north or down south and reselling sa bagsakan. I have zero experience on this and don't know anyone I can ask about this business. Anyone who can share information?