Call the bank and say that you are unemployed for x months and unable to pay your CC, then ask if you can delay the payment for another year. Then wait for their offer. If they didn't offer anything in your favor, then just don't pay. Time will come, they will just settle for at least half of your total debt (happened to my friend). But don't ask for a lump sum right away, wait for them to offer it to you.

GoTyme - higher interest rate. you earn points when used in robinsons establishments. great mobile app.
BDO - low interest rate, more trusted by rich people. many instances of hacking (I know an insider, dami daw ni narereport sa public). more ATM availability.

I use gotyme kasi madali mag open ng account, sa BDO kelangan mo physically magpunta sa bank.

BK coffee is too strong for me, nananapak eh. Kung gusto nyo masapak, BK bilhin nyo.

Depends on the laptop. My ASUS laptop has a feature to select a power plan wherein you can choose the option wherein power is always plugged-in. This is so that it won't fully charge the battery and that it will last longer.

I recently increased my EF to 1 year worth of essential expenses: rising prices and medical emergencies considered. Then I invested heavily into Bitcoin. I'll take the higher risk investment any day than safe investment giving low returns. With the looming war, I wanted to anticipate another economic crisis that might happen in the next 5yrs and that will hasten inflation even more.

Report it to your HR. Your manager cannot hold you from growing your career, even if it means leaving the company. Kung di nakatulong ang HR, file a case sa NLRC.

Available ang specialized, giro, met, lazer. In fact, I bought my Specialized Echelon II locally

digitalbanks have the same documents you mentioned. these are BSP-registered din. also, hackproof nakapassbook? baka nalimutan mo yung nag viral na BDO passbook, nahack ng anak nya hehe.

naka-link naman po, ikiclick na lang para makita apy.

Bago pa lang kasi, wala pa yan financial statements. Check mo yung parent company, https://www.akulaku.com/22H1.pdf

No man will pay you for date and not expect a sex. Sa japan lang nangyayari yan, yung mga gf/bf for hire.

Wag kang kukuha ng credit card, mababaon ka lang sa utang at masisira ang buhay mo. Get a savings account, start saving, start investing. Be frugal. Kapag mature ka na financially, yun yung time to get a credit card.

I would invest on a highly rated helmet. yung iba kasi may MIPS nga kaso panget ng material.

pag commute, laging mainit ulo ko dahil sobrang traffic tapos malelate ka pa. kapag bike to work, mas tyantado mo ang oras. mapipilitan ka magshower sa office at pag-uwi ng bahay shower ulit, mas good mood kapag nagbabike compared sa commute.

Not because listed sa NYSE eh safe na. In fact, di muna ako nagsignup sa seabank until nagrecover sila. last year kasi, puro losses ang company. Eh maraming nagsasarang rural bank kaya I was hesistant at first. Pero this year nagrecover na sila kaya all is good.

Exactly my point. Kaya yoko na maglipat ng funds for the slight increase of interest on what I currently use.

yes, it adds mid-roll ads. more ads, more revenue for your channel.

Pay your necessities first then Invest then wants. More details on this video: https://youtu.be/HgwYn5sEcX0

Google Pixel 7A. you can buy it from SulitZilla or Charged to Full on FB, legit units. Best Camera, best phone build. below 20k yan.

My concern with OwnBank is the thought that 6% p.a. may not be sustainable and eventually it will be reduced maybe to 4.5% or lower and when that happens, mag lilipat na naman kami ng funds pabalik sa tried and tested seabank, maya, and gotyme. Not sure kung concern din ito ng iba.

1. Add call to action asking them to subscribe and like the video. Those who subscribe or like the video then to come back and watch your other videos.
   
2. Add cards and endscreens. Make them watch more of your videos.
   
3. Most important: Make videos of at least 8 minutes long. Maybe have 2 or 3 songs in 1 video?

Since most of your content is revenue-sharing, you have to make a ton of videos in order multiply what you currently earn. This is what most cover youtube videos are doing, they just make more of the same.

Executives don't give a shit about your issues. They will just ignore it or forward it to the customer service teams. Mas pinapansin pa ang issue kapag nagviral kesa sa mag email ka sa kanila. Wala ka namang choice but to be patient sa back and forth convo. If you are sure na fault ng Gcash ang issue mo at sobrang tagal na, then report it sa DTI. That's the best you can do and hope that maybe they can help.

join fb groups related sa dogs. then ask for offers para sila na magpresyo at magpickup sa place mo para mabilis mabenta.

Nah, don't delete and reupload it. Maybe change thumbnails or change the title. You can use the test and compare for thumbnails to see which thumbnail works. Add SEO keywords in title, see if that helps. Btw, tags don't really matter that much.