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u/Far_Relationship_524

r/phinvest r/Bisaya r/AskPH r/Gulong
▲ 21 r/Gulong

New Car Driver - Iwas Kamote Tips

Guys ayoko naman maipost ako dito tapos macaptionan ng “Kamote vs Kamote”. Please help this newbie out.

In a few months bibili na ako sasakyan ko for the very first time. Dami ko na rin basa dito, lalo na dun sa mga galit talaga sa kamote drivers.

Nag driving school naman ako, medyo matagal na rin yun (got my license 3 years ago) at di na ako nakapagdrive ng car kasi ayoko idrive sasakyan ng iba (takot ako makapurwisyo ng sasakyan ng iba) kaya natengga na driving skills and knowledge ko. Nanunuod nuod din ako minsan ng mga safety rules sa youtube about driving.

Pero ano ba yung pinaka kinaiirirtahan nyo sa mga driver na maybe baka di nila alam yun or ginagawa lang nila out of insensitivity para sa kanilang own benefit. How to prevent it or maybe a good content creator I can watch. Salamat po sa sasagot

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u/Far_Relationship_524 — 4 days ago
▲ 113 r/Gulong

Bakit ba ang iingay ng mga nakaganito?!

Pa vent naman ako guys. Pakipaliwanagan rin ako if tama ba itong naisip ko, OA ba ako, or normal lang yan?

Madalas ako makakita ng mga ganitong sasakyan, lumang model tapos walang rear bumper. Di ko naman pinapansin yung mga ganito, alam kong maiingay sila, until kagabi, peacefully walking ako kasi pagod na ako magwork at kumain ako para mag unwind, nasa parking ako papunta sa sasakyan ko, then itong isang to bigla na lang umarangkada ng napakalakas sabay harurot! NAKAKARINDI!!!

Nangigil talaga ako, lahat ng masasamang bagay naisip ko, na dapat di ko naman iniisip, yung peace ko jusko! Ayoko ng negativity sa katawan ko pero may mga nangsusubok. Trinigger talaga ako, punyeta! Ano bang purpose ng pag harurot ng ganon kalakas, insensitibo ba sila? Ano pati pupose ng pagtanggal ng rear bumper ng sasakyan nila. Do they think it’s pretty?! Bakit kailangang mang balahura ng ganito?

Sa mga gumagawa ng ganito, bakit?

u/Far_Relationship_524 — 26 days ago
▲ 18 r/phinvest

VUL Insurance fund value dropped to more than 50%

I'm 5 years into a 10 year payment plan with Manulife Philippines Variable Universal Life (VUL) insurance, paying approximately 40k annually. My agent and I had a quick call and included a concerning news: my fund value has dropped over 50% due to exposure to Philippine stock market downturns.

She advised me to reallocate to international investment funds, citing Philippines economic pressures, political uncertainty, inflation concerns, and global market volatility. The issue: she says I cannot convert this to pure insurance or adjust the product type. She assures me I'll remain covered after the 10 year payment period ends, and I do have critical illness coverage included (450k rider).

Here's my dilemma: I'm worried about the remaining 5 years. The fund losses are significant, and I'm not confident in the agent's recommendation. I'm seriously considering canceling this policy entirely and finding alternative insurance.

Questions:

  • Is it worth continuing given the losses, or should I cut my losses?
  • Are there better insurance alternatives in the Philippines?
  • Can I actually dispute the 50% fund loss, or is this standard VUL risk?
  • Is there a way to change the fund allocation without converting the policy?

I'm not trying to get rich off insurance, I just want protection. But I don't want to throw 40k a year at something that keeps losing money. What would you do?

u/Far_Relationship_524 — 30 days ago