Excise Tax? When June 2017 or 2018?

[uls]

i define middle class as those who own a car or 2, renting an apartment or naghuhulugan ng condo or bahay

biggest monthly expenses go to paying car and home loans

jack up mo presyo ng fuel and some grocery items lalaki ang credit card debt nila

the struggle is real

as it is now andami nag bebenta ng assume balance na oto

--

bawal magkasakit

[shadow]

i define middle class as those who own a car or 2, renting an apartment or naghuhulugan ng condo or bahay

biggest monthly expenses go to paying car and home loans

jack up mo presyo ng fuel and some grocery items lalaki ang credit card debt nila

the struggle is real

as it is now andami nag bebenta ng assume balance na oto

--

bawal magkasakit

Gauge for pretenders, yun biglang meron magkasakit sa pamilya tapos malaki bayaran sa hospital. Lahat ng signature bags, watches Pati kotse mabebenta, dahil wala pa lang laman bang Account.

Natatakot ako sa mga millennials, they're just starting their lives, utang kotse, condo, daming gadgets 0% from CC pag biglang meron emergency, ewan ko ano mangyayari.

And relatively malaki nga sweldo pero i think mas malaki pa rin gastos nila. Paycheck to paycheck pa rin.

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[uls]

yep

a serious illness can send many people/families to the poorhouse

specially those whose primary source of income is a job

[XTO]

at saka wag na kayo pumunta ng Taiwan kasi yun ang trend wala kayo mapupuntahan dun, yun Japan wala naman talaga sense pumunta dun bec we are entirely different people. unless you are like me who are studying the katana and nunchaku. pero kung ramen ramen lang, dito na lang dami na masarap Japanese food. eh di less peer pressure coz nowadays middle class are preoccuppied with empty travels. why empty? eh kasi kung tuusin wala naman talaga magawa sa Japan, wala ka makausap, mas maganda pa BGC dun. pero wag na din kayo muna pumunta sa BGc, ang sikip eh

naku highly required yan mga byahe para marami mag like

[_Cathy_]

Gauge for pretenders, yun biglang meron magkasakit sa pamilya tapos malaki bayaran sa hospital. Lahat ng signature bags, watches Pati kotse mabebenta, dahil wala pa lang laman bang Account.

Natatakot ako sa mga millennials, they're just starting their lives, utang kotse, condo, daming gadgets 0% from CC pag biglang meron emergency, ewan ko ano mangyayari.


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Shadow, kasama ka pa sa millennial bracket. Born 80s ang start

Mahirap naman talaga magkasakit sa Pilipinas, kahit yung may kaya naman or laman yung bank account nad drain. Nung nagkasakit Dad ng college ex ko, alam ko it made a large dent in their finances also. And I consider their family well off (value pa lang ng bahay nila ang laki na)

[XTO]

meron ako kapitbahay na ospital ng 16 days then nag expire sa Chinese Gen., wala pa 200K ang bill.. 2 araw natulog sa morgue dahil wala laman CC kaya di mailabas ng mister. tinulungan ni Mr. Chan (employer nila mag asawa) na ninong din nila sa kasal....after mailabas, nailibing... ngayon binebenta na lote sa nova at yung 2nd gen montero nabenta na. kawawa.

[XTO]

Shadow, kasama ka pa sa millennial bracket. Born 80s ang start

Mahirap naman talaga magkasakit sa Pilipinas, kahit yung may kaya naman or laman yung bank account nad drain. Nung nagkasakit Dad ng college ex ko, alam ko it made a large dent in their finances also. And I consider their family well off (value pa lang ng bahay nila ang laki na)

sinabi mo madam, dito sa work nakikita ko kung papano magbayad sa billing ng partial (daang libo... either CC or cash) million ang generating bills.... talagang laban....

[uls]

sabi nga ni shadow

things are not a gauge for financially stability

in good times everyone can display nice things

the true gauge is when accidents happen, or serious illness

it's the capacity to absorb a large financial impact that really tests one's financial stability

[uls]

kahit mataas ang halaga ng real estate mo pag kelangan mo ng quick cash hindi mo naman ma-li-liquidate agad yan

[supadude]

Natatakot ako sa mga millennials, they're just starting their lives, utang kotse, condo, daming gadgets 0% from CC pag biglang meron emergency, ewan ko ano mangyayari.

And relatively malaki nga sweldo pero i think mas malaki pa rin gastos nila. Paycheck to paycheck pa rin.

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i have friends and acquaintance na ganyan. kaka simula palang ng work at starting to stabilize palang mag car loan na, and take note bnew kinukuha na smart car. tapos mga cellphone laging latest then post agad sa fb para madami mag like.

karamihan naman habang lumalaki sweldo lumalaki din expense (luho). kaya ayun kahit malaki na sweldo umuutang pa din sa friends.