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  1. Join Date
    Sep 2015
    Posts
    13,918
    #171
    mablis makatanda ng itsura yan madami utang.

  2. Join Date
    Nov 2005
    Posts
    7,970
    #172
    Quote Originally Posted by kagalingan View Post
    mablis makatanda ng itsura yan madami utang.
    galing mo talaga ser

  3. Join Date
    Oct 2007
    Posts
    3,122
    #173
    Quote Originally Posted by XTO View Post
    galing mo talaga ser
    Sir, kung alam mo lang pinagdaanan ko sa cc when I was young, maybe you too will do the same, sobrang hirap, imagine, just starting a family tapos baon ka na ng utang [emoji24], nung nabayaran ko na un, I promised myself, di na yun uulit, kaya everything is planned, buying a car, ipon muna, buying a house, ipon muna, not yung ipon for downpayment, ipon so that you can pay it in cash.

    Sent from my ONEPLUS A6003 using Tapatalk

  4. Join Date
    Sep 2015
    Posts
    13,918
    #174
    kung mag credit card kayo isa lang pwede na maximum dalawa. Isipin nyo dami nyo credit tapos pupunta pa kayo ng bangko to settle. Eh paano kung bpi yan na mahaba pila. Ang dami kuskus balungos.

    eh sa dami pa magagaling na hacker ngayon.

    kaya ako lastico lang at cash tapos problema.

    pag usapang pera make your life simpler.

    Mabilis makasenior yan madami credit card.

  5. Join Date
    Jan 2014
    Posts
    2,611
    #175
    Mahirap kaya matulog ng may utang haha. Parang hindi ka mapakali na you want to pay na right away.


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  6. Join Date
    Dec 2005
    Posts
    39,158
    #176
    Presyo ng bahay sa US - $500K - Midwest - low interest in the US
    Presyo ng kotse sa US - $25K
    Annual Sweldo ng dalawang nagtatrabaho sa US - $120K - $60K per year x 2
    Take home approx $94K
    Libre education hanggang HS
    Ratio of House+Car+Educ to Annual Take Home = 5.6:1 - pag sa Bay Area na P1M ang bahay - 10.9:1

    Presyo ng bahay sa Pilipinas - P5M - condo in MM - high interest in the Philippines
    Presyo ng kotse sa Pilipinas - P800K
    Tuition at baon ng bata sa school per year - P100K
    Annual Sweido ng dalawang nagtatrabaho sa Pilipinas - P1800K - P70K per month x 2
    Take home approx P1260K
    Ratio of House+Car+Educ to Annual Take Home = 4.7:1

    - mas magaan dalhin ang Pilipinas.... Huwag lang maluho.... may savings ka pa

  7. Join Date
    Dec 2006
    Posts
    17,314
    #177
    Quote Originally Posted by CVT View Post
    Presyo ng bahay sa US - $500K - Midwest - low interest in the US
    Presyo ng kotse sa US - $25K
    Annual Sweldo ng dalawang nagtatrabaho sa US - $120K - $60K per year x 2
    Take home approx $94K
    Libre education hanggang HS
    Ratio of House+Car+Educ to Annual Take Home = 5.6:1 - pag sa Bay Area na P1M ang bahay - 10.9:1

    Presyo ng bahay sa Pilipinas - P5M - condo in MM - high interest in the Philippines
    Presyo ng kotse sa Pilipinas - P800K
    Tuition at baon ng bata sa school per year - P100K
    Annual Sweido ng dalawang nagtatrabaho sa Pilipinas - P1800K - P70K per month x 2
    Take home approx P1260K
    Ratio of House+Car+Educ to Annual Take Home = 4.7:1

    - mas magaan dalhin ang Pilipinas.... Huwag lang maluho.... may savings ka pa
    Nice comparison bro. Puts things nicely into perspective. [emoji5]

    Sent from my SM-G950F using Tapatalk

  8. Join Date
    Jul 2015
    Posts
    9,583
    #178
    Medyo mataas bro yung annual salary na 60k each....its closer to 40k..another thing to consider, are the single parents, most are african americans..kawawa talaga

    Firefighter Works Three Jobs to Support His Family | A Hidden America with Diane Sawyer PART 1/4 - YouTube

    Guess My Income | Lineup | Cut - YouTube

    Sent from my SM-G955F using Tapatalk

  9. Join Date
    Jan 2012
    Posts
    2,376
    #179
    Quote Originally Posted by kagalingan View Post
    kung mag credit card kayo isa lang pwede na maximum dalawa. Isipin nyo dami nyo credit tapos pupunta pa kayo ng bangko to settle. Eh paano kung bpi yan na mahaba pila. Ang dami kuskus balungos.

    eh sa dami pa magagaling na hacker ngayon.

    kaya ako lastico lang at cash tapos problema.

    pag usapang pera make your life simpler.

    Mabilis makasenior yan madami credit card.
    Hahahaha madali pala akong tatanda kung ganun!


    Sent from my iPhone using Tapatalk

  10. Join Date
    Dec 2005
    Posts
    39,158
    #180
    Quote Originally Posted by MR_BIG18 View Post
    Medyo mataas bro yung annual salary na 60k each....its closer to 40k..another thing to consider, are the single parents, most are african americans..kawawa talaga

    Firefighter Works Three Jobs to Support His Family | A Hidden America with Diane Sawyer PART 1/4 - YouTube

    Guess My Income | Lineup | Cut - YouTube

    Sent from my SM-G955F using Tapatalk
    Maaaring tama ka bro.

    Inilagay ko lang sa middle income ang pamilya sa US, where the household income is > $100K, - para i-compare sa pamilya sa Pilipinas na parehong professional at nagtatrabaho ang mag-asawa.

    Killer talaga sa US ang presyo ng bahay,- masyadong mahal vs. the annual income.... Lalo na sa mga big cities na >$1M ang bentahan.

    Kung magre-renta ka naman,- baka > $1.5K per month ang ilalabas mo... $18K for one year.

    Pero siyempre, iba ang serbisyo sa publiko at ease of access sa Amerika. At, opportunities para sa mga bata.... These make people wish they'd stay there.

    Pero rito, may household help ka, na mahal sa kanilang i-afford.

    Kaya bakasyon na lang lagi sila sa EU o sa Caribbean, at post sa IG at FB...

    Tayo naman, sa Boracay, Cebu/Bohol, Phuket, Bali, HK, Korea, Japan, Taiwan...
    (Huwag sa Singapore - mainit palagi roon... )

    E di manos din lang...



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

    Quote Originally Posted by carwhacko View Post
    Hahahaha madali pala akong tatanda kung ganun!


    Sent from my iPhone using Tapatalk
    Kaya tumingin kang palagi sa salamin carwhacko...

    Last edited by CVT; July 25th, 2019 at 08:53 AM.