What Are You Thinking About?

[EQAddict]

Re: Zoom zoom's post.

The example he gave sounds like Cathy's 50 yr old psycho friend hehe.

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[CVT]

Must be the freak of a rain this morning.....

[brushless]

When it gets really hot, no way for the water vapor to go but down.

[WallyWest]

When it gets really hot, no way for the water vapor to go but down.

Huh.........?

[StockEngine]

panty pawis

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[ray_noel]

Thinking of getting bpi-philam life insurance plan... [emoji848]


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[MR_BIG18]

College BF ko nag Arnis ng 90s sa DLSU. Hindi pa uso Arnis back then so it was new to me when I asked him bakit gumaganda katawan niya LOL. Ganda ng shoulders at arms. Dati kasi payatot yun, so it was really a transformation. But he is over 6 foot tall, kaya mas lalong maganda tignan. I loved him the most among all my BFs

Sigh...the "what ifs" in life

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[carwhacko]

Thinking of getting bpi-philam life insurance plan... [emoji848]


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I was thinking the same pero either Sun Life or Pru Life UK.


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[_Cathy_]

Re: Zoom zoom's post.

The example he gave sounds like Cathy's 50 yr old psycho friend hehe.

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hahaha! I LOLd when you said something like his life is your version of hell I guess it's good that he has not married, otherwise his Dad will have more mouths to feed. Whenever I think of him, I feel so responsible, at least I have a job and pay for some of my bills.

But to 51 yr old friend's defense, he manages their home and tries to earn a living with his "businesses" that his Dad funds. My ex is either at home or travelling with his parents. That's it. He has no intention to work talaga (and they are not even rich) I fear for him when his parents pass.

Sigh...the "what ifs" in life

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My life is full of regrets

BTT: Last night, going home, it was a little traffic. Merging yung lane (dapat zipper) so I let an Innova pass me, when it was my turn the Gen 1 CRV behind the Innova, was making me gitgit aggressively, nakanguso na ko, so I am sure na ako mananalo sa gitgitan. I opened my window because I wanted to get a good look at the driver bago ko siya unahan and then I saw that it was a short woman with walis tingting hair and a side profile like Zorayda And then I thought, babae, baka mabangga pa ko, at since luma kotse niya, ako lugi. So I just let her pass. I figured it's enough punishment that she has to live with that face of hers, baka kaya angsty kasi pangit

I think I really matured na. If this happened in my teens, I would not care if I wrecked my car, hindi ako papatalo sa gitgitan. Also, these dashcams and camera phones made me VERY VERY conscious of my actions. My worst nightmare is for myself to be uploaded on the internet.

[fleas2016]

Spent the afternoon planning my life/finances for the next 10 years.

Can't decide if I'll take a 5 or 10 year loan for my condo. If I take 5 years I spend much less on interest, but it'll be much harder for me to save for my next car as most of my salary will go to loan payments.

And now I'm questioning if I should even get a next car, as doing so would delay my savings for a house. I haven't even factored in the savings necessary to have kids yet. And after all that, I still have to consider the savings to build initial capital for a business! [emoji24]

Ang mahal pala mabuhay. [emoji23][emoji23][emoji23]

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Plot the two loans side by side taking into account the yearly and total interest. If you can live with the interest while using the cash for something else more important, then go for it.

Also, build a relationship with a banker. They can give you preferential rates and non-standard loans, i.e. 7 yrs which may be better suited for your needs among other things.

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[EQAddict]

Dude...remember what i said. Pain now is gain later. While you are young....bite the bullet. Your salary will inevitably increase so might as well take the loan now. 5 yrs is a short time. In a blink of an eye you will be on your 2nd property.

Kayod now is better than kayod later.

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[dreamur]

10 year term since you are still young then lump sum payments when able. I did 10 on mine and settled it on the 7th.

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[minicarph]

Dude...remember what i said. Pain now is gain later. While you are young....bite the bullet. Your salary will inevitably increase so might as well take the loan now. 5 yrs is a short time. In a blink of an eye you will be on your 2nd property.

Kayod now is better than kayod later.

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yes mangutang na lang kayo. ang gusto talaga ng nature mangutang tayo lahat, hindi charity. charity is dangerous pero pag nangutang ka, yun interest payments nyo bumabalik sa money circle which in turn lumalaki therefore madami pa iba tao mapapautang

para sa kin, pag nangugutang ako, nag-chacharity ako kasi yun interest ang contribution ko sa ekonomiya, at yun determination ko mabayaran ang utang yun naman ang purpose ko sa mundo for me to not to quit the ever increasing challenges in our lives

kita nyo mga bansa na mga kumabig tapos ayaw magbayad ng utang, Libya, Beirut, Argentina, Greece, hindi naman America nang-gyera sa kanila coz ayaw nila magbayad ng utang, inallow ng nature na gyerahin at sirain ang mundo nila coz ayaw kabig sila tapos walang accountability sa pagbabayad ng utang.

Utang ang nimbento ni nature, para lagi tayo gumagalaw to realize our potentials and for the circle of life the move, you know, like a cycle

[jut703]

Dude...remember what i said. Pain now is gain later. While you are young....bite the bullet. Your salary will inevitably increase so might as well take the loan now. 5 yrs is a short time. In a blink of an eye you will be on your 2nd property.

Kayod now is better than kayod later.

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Yes bro. I plotted out my planned spending for the next 10 years and my projected income (incl. salary increases). Added my fiance's projected income as well (pitiful for the next 6 years hehe).

Decided on a 10 year loan to free up some space to enjoy my life while I'm still young. Though surprisingly everything just fits exactly to a tee - I thought I was gonna have a bit of a surplus. I guess I have to work extra hard and have a fair bit of luck to have a more comfortable life. [emoji4]

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[CVT]

Yes bro. I plotted out my planned spending for the next 10 years and my projected income (incl. salary increases). Added my fiance's projected income as well (pitiful for the next 6 years hehe).

Decided on a 10 year loan to free up some space to enjoy my life while I'm still young. Though surprisingly everything just fits exactly to a tee - I thought I was gonna have a bit of a surplus. I guess I have to work extra hard and have a fair bit of luck to have a more comfortable life. [emoji4]

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Bro, talagang ganyan pag nagsisimula... Everyone has to go through that stage... Stay healthy and keep grinding and believing.

In a little while, everything will ease up...

[jut703]

Bro, talagang ganyan pag nagsisimula... Everyone has to go through that stage... Stay healthy and keep grinding and believing.

In a little while, everything will ease up...

Mukhang ganun na nga bro. I just have to stay healthy in my 30s to 50s to still have the energy and time to enjoy life instead of just grinding it out and not reaping the fruits of my labor.

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[MR_BIG18]

Mukhang ganun na nga bro. I just have to stay healthy in my 30s to 50s to still have the energy and time to enjoy life instead of just grinding it out and not reaping the fruits of my labor.

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Bat hanggang 50s lang?

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[jut703]

Bat hanggang 50s lang?

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Pwede ring 90s.

But really, it's because I wanna enjoy the world while I'm young. I don't want to be 50 when I buy my first sports car, I don't want to wait until I'm a senior citizen with many aches in my body before I travel the world and see the great outdoors. But at the same time, I don't want to be YOLO like many my age who have not prepared for the future.

It's a lot to ask and it's a big balancing act. I have to work hard to fund my dreams, but I also can't be too much of a workaholic or my youth will pass me by.

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[StockEngine]

Dude...remember what i said. Pain now is gain later. While you are young....bite the bullet. Your salary will inevitably increase so might as well take the loan now. 5 yrs is a short time. In a blink of an eye you will be on your 2nd property.

Kayod now is better than kayod later.

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4yrs done 1yr to go [emoji16]

time flies..

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[Wh1stl3r]

Yes bro. I plotted out my planned spending for the next 10 years and my projected income (incl. salary increases). Added my fiance's projected income as well (pitiful for the next 6 years hehe).

Decided on a 10 year loan to free up some space to enjoy my life while I'm still young. Though surprisingly everything just fits exactly to a tee - I thought I was gonna have a bit of a surplus. I guess I have to work extra hard and have a fair bit of luck to have a more comfortable life. [emoji4]

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Bro, it also pays to have a side hustle that you enjoy. Takes care of some of the bills and it doesn't feel like work if you enjoy doing it.