▲ 6 r/makati

Last 11 days in Makati

Makati has been my home (on and off) since I was 7 yrs old. Medyo di pa nag sink in sakin now na hindi na muna ako titira dito or makakabisita that often. I will be studying abroad starting next month.

3 out of those 11 days will be spent with my best friends. Iniisip ko lang ano pwede gawin one last time sa Makati aside sa cafe/resto hopping at jogging 😅

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u/Adept_Key7376 — 5 hours ago

Younger friend na gusto lagi siya ilibre

I have a friend who is 4 yrs younger than me. 1 yr na din siya unemployed. She is living off from her boyfriend, dun siya nakatira sa bahay ng bf niya. Ang baet ng parents ng bf niya kase hinahayaan lang siya dun na alam din nila wala siya work. And then yung Kuya niya, binibigyan bigyan ata siya ng monthly allowance.

Ang ayoko lang is ang lakas niya mangaya sa mga gala na sosyal — mamahalin na restos, hotel, out of town, etc. Tapos pag andun na, ako pala magbabayad for the both of us since wala daw siya pera kase unemployed daw siya. Yes medyo malaki monthly income ko. Di ko naman sinabe sakanya yun pero syempre may idea siya sa lifestyle na meron ako. Pero malaki din expenses ko. Rent ko palang magkano na. I am also giving money to my parents monthly which is alam niya yun. Entitled lang talaga siya.

Nakakatawa pa, cino-compare niya ako sa ibang friends niya na mas maliit daw income sakin pero lagi daw siya nililibre. She treats me like an older sibling kase 4 yrs older ako. So parang gusto niya gawin sakin yung ginagawa niya sa Kuya niya pala… wala lang, may mga ganito palang mga tao. Kase the first time we met last 3 yrs ago, di naman siya ganito and may work siya noon.

Before y’all come at me, yes hindi na ako nakikipagkita sakanya. Silent cut off ginawa ko. Gusto ko lang ilabas sama ng loob ko dito.

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u/Adept_Key7376 — 1 day ago
▲ 11 r/makati

Makakatakbo ba today? 😅

Ilang araw na din di nakakapag walking/jogging sa ATG dahil sa weather… sa mga outside runners talaga dito, nakakapag jogging pa ba kayo sa labas? Usually what time?

Nakakatempt din maglakad nalang ng may dalang payong, ma reach lang steps 😂

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u/Adept_Key7376 — 2 days ago

Ang sama pala talaga ng ugali ng stepmom ko

I decided to study abroad and start na next month. Nagrerent lang ako. Regardless na alam naman ng stepmom ko na I won’t be here in the PH for a long time, 2-3 nights max lang daw ako pwede matulog sa bahay ng Tatay ko. To add, last na punta ko dun sa bahay na yun ay April 2024 pa lol

Kahit ano gawin ko dun sa stepmom ko naiinis siya sakin. Fyi, anak ako ng Tatay ko sa una niyang asawa. Siya ang second best lol My dad says because of my attitude esp nung bata ako towards her kaya siya ganyan sakin. But hello? That was more than decades ago… and di ba siya maka intindi din? Of course I was just 7 yrs old when my parents got separated. Tapos after a few years both parents are fcking other people. So yeah, it will make a child feel frustrated and not all rainbows and butterflies. Also, she was not that nice din naman sakin nung bata ako. Lagi siya may reklamo sa lahat ng ginagawa ko. Even said I might get pregnant early if my dad let me study in Manila lol Until now na 30 na ako, naiinis parin sakin stepmom ko. Even if di ako pabigat sa Papa ko in all aspects — financially and even emotional support wala. I pay for my rent and shit since she kicked me out of my dad’s house back in 2020.

Wala lang… I also don’t plan on staying in that house for 2 weeks. Pero sana kahit man lang 1 week para di ako mapagastos masyado sa Airbnb. Hirap talaga maging product ng broken family. My mom is a whole different story… in short, she is not that helpful too. Just grateful that I am given a chance to have a fresh start and away from these kinds of people.

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u/Adept_Key7376 — 4 days ago

Anong pwedeng ipambara sa tanong na, tumaba ka ata ngayon?

Problem/Goal: Yung driver kase ng Papa ko akala mo si Piolo Pascual kung maka comment sa weight ko. Na akala mo naman obese ang pagka taba ko.

Context: Laging nagbibigay ng opinion ang matandang lalaki na driver ng Papa ko sa weight ko. Pero alam ko utos yun nung maldita kong stepmom sakanya lol pero nakakainis na din kase kaya gusto ko din sana balikan yung tanong niya na mababara ko siya pero hindi super bastos na ngangawa siya sa Tatay ko.

Previous attempts: None

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u/Adept_Key7376 — 9 days ago
▲ 3 r/LawPH

How can my Aunt (who is a Filipino-Australian citizen) legally adopt my half sister?

My half sister was born 2008. Naawa Tita ko kase drug @dik yung totoong tatay. (Yeah our biological mom is disappointing) kinuha din agad ng Tita ko yung half sister ko after a month. Nasa Pinas din kase Tita ko nung time na yan.

Masaya naman ako na inampon ng Tita ko na Filipino-Australian citizen ang sister ko. Kase di ko alam magiging buhay ng bata kung nagtagal kahit 3 months sa Nanay namin at Tatay niya. Pero can’t help but think na until now, ‘magulo’ parin daw adoption papers ng sister ko.

Ayaw ng Tita ko malaman na ampon yung sister ko. Ang alam ng bata, siya Nanay at nagsinungaling Tita ko na iniwan daw sila ng totoong Tatay niya. Eto lagi dinadahilan ng Tita ko, ayaw niya malaman ng sister ko na ampon kaya hindi maka push through sa proper adoption process.

Naawa lang ako sa bata now kase nakakaramdam na din. Lagi iniiwan dito sa Pinas tapos yung Tita ko lagi nasa Australia with her real daughter na one year younger sa sister ko.

Gusto ko lang malaman ano kaya talaga legal process para mapush yung proper adoption ng Tita ko sa half sister ko and para naman makapunta na din siya sa Australia… possible ba na may process na di involved yung bata?

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u/Adept_Key7376 — 20 days ago
▲ 269 r/phinvest

Friend offered an ‘investment opportunity’ but looks like a ponzi scheme

Here’s how it goes, for example you invest ₱500,000 you’ll get ₱30,000 fixed monthly payout. Tapos ikaw daw mamimili kung gaano katagal lock in ng pera mo may 3 months, 6 months, and 1 year. If 3 months, after 3 months you’ll get your ₱500,000 back. This businessman has a lot of resto-bars in Metro Manila and may mga farms din daw kaya need lagi ng pera from investors. She told me the name of the resto-bar and have seen it here in Makati and one in QC.

Etong friend kong to saka yung older friend niya are long term ‘investors’ na and have been receiving payouts from this businessman consistently na naka PDCs pa daw with contract.

Eto pa pala malala, gusto ng friend ko mag invest ako under her name para if ang percentage ng payout is 15% sakanya daw yung 5% sakin yung 10%. Also, in this way, mas madali daw ako makapasok. Kase ‘choosy’ daw tong si businessman to whom he gives these payouts to 😆 I requested to meet this businessman first kase need ko makilala ang tao na technically nanghihiram ng pera ko regardless of how big the monthly payout is. Pero daming reason lagi ng friend ko saka ng older friend niya na busy daw yung businessman na yun etc.

I ended up not ‘investing’ cos I listened to my dad as well. I trusted my gut too and I really don’t feel comfy mixing money and friendship. Ako din kase yung tao na di talaga nagpapautang kahit gaano pa tayo kaclose. So tong idea na I am lending my hard earned money to a stranger is not my cup of tea.

When I said that, after a few weeks my friend said that I can meet this businessman and I can invest straight to him and not through her anymore. Which made me more skeptical like she got desperate?

Just want to confirm here if this is a typical ponzi scheme.

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u/Adept_Key7376 — 20 days ago
▲ 98 r/makati

Emergency Police scattered in Ayala and Legazpi Street last night

I tried jogging again last night despite of all the robbery and snatcher posts going around Makati. I’m a girl, btw kaya kapit lang talaga sa Guardian Angel ko last night…

Napansin ko maraming naka blue polo shirt na ‘emergency police’ scattered esp in Rada and Legazpi Street. Which made me feel safe. Dami din rumoronda na police cars. Tapos yung mga guards ng establishment nasa labas na nakatambay compared before na sa loob sila.

Just goes to show that posting matters.

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u/Adept_Key7376 — 21 days ago

Baket madalas sa mga strong independent woman mga sugar mommy?

Nakita ko 'to sa tita at pinsan kong parehong strong, independent women. Pareho silang nagkaroon noon ng mas successful na boyfriend pero ngayon, nag-settle sa lalaking sila ang bumubuhay o umaalalay. Nakakapagtaka lang talaga.

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u/Adept_Key7376 — 21 days ago

Landlady is my relative. How do I make sure I don’t get charged for old damages?

Moving out here sa nirerentahan ko in a few weeks. Last year wala pang 24 hrs nakita ko may mga naging damages agad. Like barado CR sink, pundido ilaw, crack sa walls. Took a pic and vid of all of them and informed the landlady immediately via Messenger din. Btw, ang landlady dito ay Tita ko na nasa abroad. So for sure ang pupunta dito sa move out date ko yung anak niya saka yung kabet niya dito sa Pinas (for another story and sub 😆)

Ngayong malapit na ako umalis, paano kaya diskarte dun sa damages na di naman ako nag cause? Kase mamaya biglang magka amnesia Tita ko at akalain ako gumawa neto at bawas sa deposit ko…

Another thing, yung kabet ng Tita ko dito sa Pinas ang parang errand boy niya here… pero he failed to thoroughly check na may mga ganung damages pala yung previous tenant dito last year kaya ako pa nag abono at nag asikaso nung barado sa CR, pundido na ilaw, etc. Not sure how I can ‘remind’ her about that part as well…

Kagabe pin ko na yung mga previous messeges ko sa GC namin (w her daughter) nung mga damage report ko from last year. Plan ko din sana bago ko balik susi sakanya, ipapakita ko isa isa yung mga damages dito sa unit na andito na nung pagdating ko and show her side by side from my phone’s gallery din kase may date dun. Hirap kase now may AI na kaya di ko ma send nalang ng screenshot to sa GC. Tapos papa-message ko daughter niya sa GC na confirmation na wala akong na damage dito. What do you guys think? Or may iba pa kayo ideas?

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u/Adept_Key7376 — 26 days ago

OA lang ba ako na naiinis ako sa mga relatives na entitled sa pera na pinaghirapan ko?

Simula nung naka ipon ipon na ako, yung isang Tita ko sobrang entitled sa pera ko. Nanghiram ₱100k sakin last month. Pero siya pa galit nung sinabe ko na “wait lang po Tita kase checheck ko pa savings ko” considering na I am renting and solo living kaya di ako pwede maglabas ng pera na basta basta. Tapos nagalit siya dami sinabe na may utang na loob daw ako sakanya. Matindi pa, dinemand agad na bigay ko sakanya yung 100k agad agad. Sa mga paborito niyang ibang tao try niya mag ganyan. Talagang sakin kase ako lang relative niyang alam niyang may ipon. Pero t@ng*na niya last niya na yan.

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u/Adept_Key7376 — 1 month ago

What happens after I finish paying my 10-yr insurance plan?

I'm about to finish paying for my Manulife Horizons (Minimum 10 Years Pay) policy next month. I started paying in August 2016, so August 2026 is my last scheduled premium payment.

Based on my latest statement, I have around ₱50k+ in fund value.

I have a few questions for those who have the same policy or have already reached the end of the 10-year payment period:

  1. Were you able to withdraw 100% of your fund value, or were there any charges/taxes?
  2. After your 10-year payment period ended, did you completely stop paying premiums while keeping the insurance active?
  3. How did the process go with your Manulife agent?
  4. Do I need to go to Manulife’s main branch of account for withdrawal of my fund value?

The reason I'm asking is because I don't plan to continue paying beyond August 2026 since I specifically chose the 10-year pay option. My agent actually told me back in 2023 that the insurance coverage would remain active even if I stopped paying after completing the 10 years.

I'm also a bit hesitant to bring this up with my agent because I've heard stories of agents becoming difficult to reach or encouraging clients to keep paying once the payment term is over.

Would love to hear from anyone with the same Manulife Horizons (Minimum 10 Years Pay) policy or a similar experience. Thanks!

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u/Adept_Key7376 — 1 month ago

OA lang ba ako na naiinis ako sa mga nagsasabe lagi ng “be grateful”?

Yung tipo na mag share ka lang na “ang init dito” tapos sasabihan ka “be grateful at least sa ibang bansa ka naiinitan, yung iba walang means to travel” or yung “nakakainggit naman transportation system sa ibang bansa” sasabihan ka ng “bute ka nga wfh kaya be grateful parin kase ako nagcocommute araw araw to and from office”

T@ng*na yung pag siya kausap bawal ka magreklamo. Okay lang kung puro ganun lang bukang bibig mo eh. Kaso siya din naman nagrereklamo din sa little things pero di ko siya sinasabihan ng “be grateful” 😅

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u/Adept_Key7376 — 1 month ago
▲ 33 r/makati

Walking in Ayala Triangle

Sino dito nag walk lang and hindi nag jog pag nasa Ayala Triangle?

Na pepressure me minsan pag may mga nakakasalubong na tumatakbo lalo pag car free Sundays 😅 and amazed by them as well! Pero since I have health issues, walking lang daw sabe ng doctor ko (for now)

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u/Adept_Key7376 — 1 month ago
▲ 1 r/Bicol

Where to stay in Legazpi?

I am with my Lola and planning to stay in Legazpi for at least 5 nights. Wala kame car kaya ideal yung walking distance lang sana kahit sa SM Legazpi, thanks!

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u/Adept_Key7376 — 1 month ago

Bagong anxiety trigger ko ang pag check ng Meralco bill :(

Hirap pag solo living tapos may paganito pa dito sa Pelepens : ( the unreasonable high Meralco bill also convinced me to move to a more cheaper place to rent para lang mabalance parin sa budget...

Kawawa talaga lagi ang middle class dito sa Pinas.

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u/Adept_Key7376 — 1 month ago

Bagong anxiety trigger ko ang pag check ng Meralco bill :(

Hirap pag solo living tapos may paganito pa dito sa Pelepens :( the unreasonable high Meralco bill also convinced me to move to a more cheaper place to rent para lang mabalance parin sa budget…

Kawawa talaga lagi ang middle class dito sa Pinas.

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u/Adept_Key7376 — 1 month ago

OA lang ba ako na nahuhurt ako na naaalala lang ako ng iba kong friends pag may boy problems sila? :(

From the title itself, parang na hurt na ako na naalala lang ako nung dalawa kong friends i message pag may boy problems sila. Pero pag okay sila ng mga boylet nila, who you?

Nakakapagod pa kase laging ganun nalang issue nila both sa mga lalaki nila na ang obvious solution is to leave those guys that don’t deserve them. Nakakapagod na paulit ulit nalang advice ko pero wala. Literal na nagca-copy paste na ako ng advice kase ganun na ka repetitive. Saka di muna sila nag aask if may mental capacity ako na mag absorb ng boy problems nila.

Ayoko na din makipag kita sakanila kase nangaaya lang sila pag ghinost sila ng mga lalaki nila. May isang time pa planned in advance yung gala namin pero nag cancel siya kase biglang inaya siya nung boylet niya mag Tagaytay.

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u/Adept_Key7376 — 1 month ago

Paano kayo nakaka concentrate mag work sa cafe/resto?

Twice pa lang ako naka-try mag-work sa cafe. Before kasi simple lang work ko kaya kinaya kahit maingay. Gusto ko ulit i-try kasi nakakabaliw na rin laging nasa bahay, lalo na solo living. Kaso hirap din ako mag-focus sa ingay at headphones.

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u/Adept_Key7376 — 1 month ago
▲ 1 r/PHGov

DOH Authentication of Medical Certificate

Hindi ko alam kung sino matagal yung clinic or DOH mismo pero it’s been more than 5 business days already pero wala parin DOH authentication ko for my medical certificate. My medical certificate was already available last week.

Nagsisi tuloy ako na baka mas mabilis if ako nalang pala nagpa DOH ng medical ko. Kaso too late na kase kasama na yung DOH authentication sa package na binili ko last week.

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u/Adept_Key7376 — 1 month ago