Ang daming ford everest na repossessed

[Battlestar]

yung officemate ko bumili 2nd hand jazz thru AMA bank (IIRC)
sobrang taas daw interest, dapat daw brandnew nalang
2 years daw sya nag skyflakes, pero never naman namburaot ng yosi kasi bisyo daw yun

Either way bro not a good practice. Pano na kung pamilyado ka? SkyFlakes kayong magpamilya ng 2 taon?

Buti na lang lumaki ako sa mahirap, late 20's nagkaron' ng sariling sasakyan at maaga nag pamember ng tsikot.

I've got all my tips and tricks here how to loan a car, haggle up to detailing

On Topic: Dahil sa tumatanda na rin ako, parang gusto ko na rin kumuha ng 2nd hand na Everest as back-up car.
Mas pabor saken ang pagkababa ng resale value ng Ford kase wala naman ako balak ibenta na. Di ba dun lang sa Libis C5 nakatambak yung mga repossessed cars ng PSBank?

[dr. d]

the wise man will look for a house first, before he looks for a car.
if he is lucky (luck: what happens when preparation and foresight, meet opportunity), he won't need a car.

- - - - - - - - - - - - - - - - - - - - - -

the wise man will look for a house first, before he looks for a car.
if he is lucky (luck: what happens when preparation and foresight, meet opportunity), he won't need a car.

[Kestana]

the wise man will look for a house first, before he looks for a car.
if he is lucky (luck: what happens when preparation and foresight, meet opportunity), he won't need a car.

A piece of land trumps a car purchase any day as land appreciates. Kahit hulugan mo yan, it appreciates and come time to sell it after a few years, the amount appreciated would normally be more than the amount used to purchase it in the first place especially if the piece of land you bought is in a high growth area. It's an investment. An investment is something that generates money over time. A car purchase on the other hand is not and will never be an investment, unless used for business.

Say Mr. A and Mr. B both mortgaged a car. Can you say Mr. A with a Vios, with his own home small as it may be, is better off than Mr. B with a Fortuner, but without his own home and simply renting? If an emergency strikes both Mr. A and Mr. B, you can be damn well sure Mr. B will be the one crying himself to sleep each night when he has to decide whether to default on his Fortuner payments or to quit renting. Worst case scenario: bye bye Fortuner and bye bye roof. Kaya mo ba tumira sa kotse? This is why don't get people who buy big cars first before buying their own home. Marami kasi ganyan na katulad ni Mr. B. Mr. A on the other hand will have more breathing room on his Vios, being less expensive. Worst case scenario, if he does default on his Vios payments, he still has a roof on top of his head. A roof on top of your head is a basic need. A car is not.

[maki mi]

Swertihan din Paps, like kung ang nabili mo ay agri land at binuy out ka ng malaking developer siguro, or kung nakabili ka ng mga tipong Ayala developments in the 80s. May subd lot ako bought eons ago na maski maibenta ko sa fair market value ay talo pa ako sa cost of money. Yung tinitirhan ko ngayon ganun din, not much appreciation, mahal pa ng amilyar. Pero yung kotse ko nung nagre rent pa lang ako ng apartment malaki naitulong sa amin mag-asawa na both working, to the point na instrumental sya to our financial growth. Yun nga lang beterano ako ng 3 used cars bago naka afford mag brand new.

A piece of land trumps a car purchase any day as land appreciates. Kahit hulugan mo yan, it appreciates and come time to sell it after a few years, the amount appreciated would normally be more than the amount used to purchase it in the first place especially if the piece of land you bought is in a high growth area.

- - - - - - - - - - - - - - - - - - - - - -

Swertihan din Paps, like kung ang nabili mo ay agri land at binuy out ka ng malaking developer siguro, or kung nakabili ka ng mga tipong Ayala developments in the 80s. May subd lot ako bought eons ago na maski maibenta ko sa fair market value ay talo pa ako sa cost of money. Yung tinitirhan ko ngayon ganun din, not much appreciation, mahal pa ng amilyar. Pero yung kotse ko nung nagre rent pa lang ako ng apartment malaki naitulong sa amin mag-asawa na both working, to the point na instrumental sya to our financial growth. Yun nga lang beterano ako ng 3 used cars bago naka afford mag brand new.

A piece of land trumps a car purchase any day as land appreciates. Kahit hulugan mo yan, it appreciates and come time to sell it after a few years, the amount appreciated would normally be more than the amount used to purchase it in the first place especially if the piece of land you bought is in a high growth area.

[dr. d]

- - - - - - - - - - - - - - - - - - - - - -

it depends, siguro..
buying real estate so you can have a house to live in, is one thing..
buying real estate for investment and/or income, is another thing.
and knowing what to do with "stagnant money" is something totally alien to many people.

but for the majority, i think #1 and #3 apply..

[Mentis]

When I was young I always thought that everyone who has a car is really a rich man 😄 who does not encounter any financial problem....damn i was wrong! 😢

[machine.pistol]

I used to think that way too. In the 70s growing up in a provincial town, I could literally count the cars with my fingers in my left hand. One of them was a Gran Torino owned by a retired US Navy serviceman and the other an Opel Berlina. The third one was a "Sakbayan", a local version of the Beetle with pointy corners, that was used as a mobile patrol car by the police. I don't remember the others, or perhaps I don't because there were really no other cars then.

[minicarph]

yung officemate ko bumili 2nd hand jazz thru AMA bank (IIRC)
sobrang taas daw interest, dapat daw brandnew nalang
2 years daw sya nag skyflakes, pero never naman namburaot ng yosi kasi bisyo daw yun

That's good kasi may kasamang sacrifice, papayat siya and he will look good with the car, as the car will complement him

Problem nowadays is we see a lot of beefed up picks-ups, fj cruisers, suvs, tapos pag bumaba ang owner, ang laki-laki ng tyan with machine washed clothes na sobrang luwag at losyang.

halatang - halata na inuubos ang per sa sasakyan. Pero sa sarili tinitipid na lang sa pagkain.

[minicarph]

the wise man will look for a house first, before he looks for a car.
if he is lucky (luck: what happens when preparation and foresight, meet opportunity), he won't need a car.

- - - - - - - - - - - - - - - - - - - - - -

the wise man will look for a house first, before he looks for a car.
if he is lucky (luck: what happens when preparation and foresight, meet opportunity), he won't need a car.

Been there done that. There's no such thing as a wise investment in life., coz you're bound to protect your investment at the expense of yourself.

Ang maipapayo ko lang sa young people of this forum. Travel travel stick your neck sa travel and resist the urge of spending big expenses sa mga superficial things like suvs, condos, and other finer things ln life,

Travel will improve your mind and aura and it will prepare you for the unseen and in the always changing tastes and wants of the future. Observe cultures, feel life and enhance your senses in these things.

Dont follow those older people who have only bur material things to brag and happiness from. Tignan, nyo, try to ask them personally, makikita mga taong yan hindi pa din satisfied sa buhay nila, and they just resort to that addiction cycle of buying new things to justify their existence,

It's a good thing, im only 40 when I relazied this, others are 60 and 65 before they realize that their lives were just a cycle of buying possessions.

[Cruzin]

Para sakin basta masaya ka sa binabayaran mo ng monthly for years ayos yan. But pag di ka masaya sa binabayaran mo every month at para magka kotse kalang ay wag nalang....

[minicarph]

Btw, one reason why you csnt escape the trap of always seeking material things is your chosen companion. If the mother of the love of your life is ga-bariles at lagi nasa bahay at parlor parlor lang with all those coloretes sa mukha at buhok, chances are like mother like daughter. Decide now if you will love her forever kasi ganyan din ang uwi ng buhay like the rest of 80% of Filipinos and 90% of Obese Americans who chased the American dream

Find an energetic girl who will ride it with you in ups and downs of life, kahit di gano madami material things, always ready for adventure with you. This will serve as your check and balance, kasi darating lagi yun life message to Settle down, which also has the meaning as just stay home with your expensve things and get fat and uninterestng, and unstimulated.

Remember the maslows needs heirrachy , pang 3rd level lang dun ang American Dream of materialism . There's more to life than that

[dct]

^OB, bakit ang corny mo na? Wala na yung dating mga bentang banat mo ah..

[Battlestar]

Para sakin basta masaya ka sa binabayaran mo ng monthly for years ayos yan. But pag di ka masaya sa binabayaran mo every month at para magka kotse kalang ay wag nalang....

May tao ba na nasisiyahan pag nagbabayad ng monthly bills?

[_Cathy_]

That's good kasi may kasamang sacrifice, papayat siya and he will look good with the car, as the car will complement him

Problem nowadays is we see a lot of beefed up picks-ups, fj cruisers, suvs, tapos pag bumaba ang owner, ang laki-laki ng tyan with machine washed clothes na sobrang luwag at losyang.

halatang - halata na inuubos ang per sa sasakyan. Pero sa sarili tinitipid na lang sa pagkain.

wtf hahaha! This is what I tell everyone. Washing machine destroys clothes talaga. Nawawala sa form at nahuhulog kulay.

[jut703]

Oo nga parang di na masyado funny si OB..

Washing machine lahat ng damit namin, no time to hand-wash and no labandera either. I didn't know it was bad. Planning to buy one of those all-in-one washers pa naman that also dry your clothes completely, perfect for condo living na walang sampayan.

[Jun aka Pekto]

Find an energetic girl who will ride it with you in ups and downs of life, kahit di gano madami material things, always ready for adventure with you. This will serve as your check and balance, kasi darating lagi yun life message to Settle down, which also has the meaning as just stay home with your expensve things and get fat and uninterestng, and unstimulated.

99% of all Filipinas are the work and go home type of women. They don't want you doing adventurous things because you're the breadwinner and the source of income. They don't want anything happening to you. Forget being adventurous.

On most outdoor activities, I usually go it alone as do most guys who married Filipinas.

[3GEMS]

Please don't ban OB please. Hehehe. Pasko naman na .


It depends on the situations. Kung may anak kana toddler or nagtratrabaho ka sa makati and nakatira kasa Manila for me necessity ang car. Napakahirap magcommute sa Manila. Daig mopa nagconstruction on bad day.

[MR_BIG18]

99% of all Filipinas are the work and go home type of women. They don't want you doing adventurous things because you're the breadwinner and the source of income. They don't want anything happening to you. Forget being adventurous.

On most outdoor activities, I usually go it alone as do most guys who married Filipinas.

99%, sir where did you get the figure?

- - - - - - - - - - - - - - - - - - - - - -

99% of all Filipinas are the work and go home type of women. They don't want you doing adventurous things because you're the breadwinner and the source of income. They don't want anything happening to you. Forget being adventurous.

On most outdoor activities, I usually go it alone as do most guys who married Filipinas.

99%, sir where did you get the figure?

[Jun aka Pekto]

99%, sir where did you get the figure?

99%, sir where did you get the figure?

Based on what I can recollect over the past 21 years I've been married. It is scientific? Probably not.

Starting with my wife, she has no interest in:

Live sporting events

Outdoor activities such as snorkeling, camping, spending time in nature

Hunting/fishing for our food then cooking and eating them

Getting a little wet from the rain without her going into a panic about how were are going to get sick because of a few drops

Real "extreme" activities such as as skydiving. Twice when I was younger, I was invited by my coworkers to take part in their weekend skydiving group. Twice, the wife was vehemently against it to the point she would have made my life a living hell if I disobeyed her.
-----

Expand the above to include her friends who were almost always Filipinas and like-minded. We became members of the local Fil-Am groups at places we lived at. Same story. All the activities are pretty mundane. We can't even get them to do river-boating:



If it's just me, forget it. If several of us hubbies went out as a group, we're allowed. But, none of the wives would come with us. They'd spend their time doing pot lucks while we were gone.

-----
We spent six years in Upstate New York which is an outdoors paradise. Did we take advantage of it? Nope. I'm more than game. But, the wife always played the part of spoiler. Unfortunately, she's setting a bad precedent for the kids who are becoming more like her. They rather go to the mall than spend time camping and enjoying the outdoors.

[MR_BIG18]

Based on what I can recollect over the past 21 years I've been married. It is scientific? Probably not.

Starting with my wife, she has no interest in:

Live sporting events

Outdoor activities such as snorkeling, camping, spending time in nature

Hunting/fishing for our food then cooking and eating them

Getting a little wet from the rain without her going into a panic about how were are going to get sick because of a few drops

Real "extreme" activities such as as skydiving. Twice when I was younger, I was invited by my coworkers to take part in their weekend skydiving group. Twice, the wife was vehemently against it to the point she would have made my life a living hell if I disobeyed her.
-----

Expand the above to include her friends who were almost always Filipinas and like-minded. We became members of the local Fil-Am groups at places we lived at. Same story. All the activities are pretty mundane. We can't even get them to do river-boating:



If it's just me, forget it. If several of us hubbies went out as a group, we're allowed. But, none of the wives would come with us. They'd spend their time doing pot lucks while we were gone.

-----
We spent six years in Upstate New York which is an outdoors paradise. Did we take advantage of it? Nope. I'm more than game. But, the wife always played the part of spoiler. Unfortunately, she's setting a bad precedent for the kids who are becoming more like her. They rather go to the mall than spend time camping and enjoying the outdoors.

Maybe she chooses to be a homemaker instead of going out, i have friends whos wives chooses to come with us, sometimes even besting the husband, about the 9-5 thing, here in the P.I, Its the women that creates what we call extra income, they became entrepreneurs, i dealt with some good ones to the point where their husbands had to quit their jobs to help in their growing bussiness, a good wife is the one that lets you think youre superior so our egos wont get hurt, but in truth they know better, thats why we call them our better half

- - - - - - - - - - - - - - - - - - - - - -

Based on what I can recollect over the past 21 years I've been married. It is scientific? Probably not.

Starting with my wife, she has no interest in:

Live sporting events

Outdoor activities such as snorkeling, camping, spending time in nature

Hunting/fishing for our food then cooking and eating them

Getting a little wet from the rain without her going into a panic about how were are going to get sick because of a few drops

Real "extreme" activities such as as skydiving. Twice when I was younger, I was invited by my coworkers to take part in their weekend skydiving group. Twice, the wife was vehemently against it to the point she would have made my life a living hell if I disobeyed her.
-----

Expand the above to include her friends who were almost always Filipinas and like-minded. We became members of the local Fil-Am groups at places we lived at. Same story. All the activities are pretty mundane. We can't even get them to do river-boating:



If it's just me, forget it. If several of us hubbies went out as a group, we're allowed. But, none of the wives would come with us. They'd spend their time doing pot lucks while we were gone.

-----
We spent six years in Upstate New York which is an outdoors paradise. Did we take advantage of it? Nope. I'm more than game. But, the wife always played the part of spoiler. Unfortunately, she's setting a bad precedent for the kids who are becoming more like her. They rather go to the mall than spend time camping and enjoying the outdoors.

Maybe she chooses to be a homemaker instead of going out, i have friends whos wives chooses to come with us, sometimes even besting the husband, about the 9-5 thing, here in the P.I, Its the women that creates what we call extra income, they became entrepreneurs, i dealt with some good ones to the point where their husbands had to quit their jobs to help in their growing bussiness, a good wife is the one that lets you think youre superior so our egos wont get hurt, but in truth they know better, thats why we call them our better half