I used to think insurance companies were there to protect people.

But the older I get, the more I realize they are some of the smartest businesses in the world.

You pay every month for years.

Car insurance.

Health insurance.

Life insurance.

Home insurance.

You keep paying because you’re afraid of what could happen if something goes wrong.

Then one day when you finally need help, suddenly there are conditions, exclusions, investigations, delays, and reasons why they can’t fully pay.

Meanwhile, they’ve already taken your money for decades and invested it into stocks, real estate, and businesses to make even more money.

That’s when I realized:

Insurance companies don’t make billions because they lose money helping people.

They make billions because most people pay more into the system than they ever get back.

I’m not saying insurance is useless.

Some people genuinely get saved by it during major accidents or medical emergencies.

But my advice is this:

Don’t blindly trust insurance companies like they are your safety net.

Build your own savings too.

Learn how policies actually work.

Read the fine print.

And never assume they will automatically fight for you when things go bad.

Because at the end of the day, insurance is still a business.

And businesses are built to protect themselves first.

I’m a 25-year-old guy, currently unemployed, though I slightly help out with our family business. To be completely honest, wala na akong gana mabuhay. Bakit ganoon? Dati, ang pinakakinatatakutan ko ay mamatay. Pero ngayon, parang ayos na. Parang kompleto na yung kuwento at tamad na tamad na akong mabuhay.

Maglilimang buwan na akong walang trabaho. I moved back home to the province from Metro Manila with a promise to myself na mag-VA na lang, kasi mas strategic yon kesa magpakahirap ako sa city na isang kahig, isang tuka... yung tipong dumadaan lang talaga ang sahod.

In fairness, okay naman ang buhay ko rito sa probinsya. Pag gising ko may pagkain na, hindi ko kailangan mag-laundry kasi may kasambahay, at kahit magdamag akong naka-aircon, hindi ko kailangan isipin ang bayarin. To clarify, sarili ko lang naman talaga ang dapat kong suportahan kasi hindi naman ako ino-oblige ng mga magulang ko na mag-abot. Pero kahit ganito ka-comfortable ang setup, sobrang lungkot pa rin.

Wala akong mga kaibigan dito. Wala akong nilo-look forward na labas tuwing weekends. Hindi ako makapanood ng mga bagong local films kasi isang oras ang biyahe papuntang sinehan, at pag may kinicrave ako, walang Grab o Foodpanda. As an extrovert, sobrang hirap. Nakakabaliw yung katahimikan.

Pero ang pinakanagpapa-anxious sa akin ay yung wala akong trabaho. These past months, unti-unting nawala yung bilib ko sa sarili ko. Sobrang hirap makahanap ng work ngayon. Bukod sa pagsikat ng AI na nagpababa sa hiring ng VAs, hindi pa ganoon kalakas ang professional experience ko. Ano nga naman ang panama ko sa iba?

Nawala na rin yung passion ko sa gusto ko talagang career, ang paggawa at pagsulat ng pelikula. Tinatamad na ako. Pakiramdam ko, nung grumaduate ako, yun na yung finale episode ng buhay ko. Hindi na ako nag-peak ulit.

Napansin ko sa sarili ko, magaling ako pag alam ko kung hanggang kailan lang ang commitment, yung palaging may deadline katulad nung college. Hinusayan ko noon kasi alam kong apat na taon lang yon, kaya grumaduate naman ako with Latin honors. Pero nung nagsimula na ako magtrabaho, parang naiisip ko palagi: Hanggang kailan ko ba 'to gagawin?

Gusto kong gawin yung mga bagay na passionate ako, pero ngayon, hindi ko na alam kung ano yon. Nawalan na ako ng brand, ng pangalan, at ng pagkatao. It sucks, kasi araw-araw kong kinagagalitan ang sarili ko na ito na lang ako ngayon, walang-wala sa college version ko.

Nawala ang confidence ko. Pakiramdam ko nabobo na ako. Ang dami kong gustong gawin pero wala akong pera; naging dakilang tambay lang ako rito sa amin. Sinusubukan ko naman talaga, nag-aapply ako sa mga VA agencies, at pati pag-aabroad kinokonsider ko na rin. Pero sobrang gulo lang talaga ng buhay ko ngayon.

WALA AKONG GOAL. WALA AKONG DIRECTION SA BUHAY. HINDI KO NA ALAM ANONG GUSTO KO.

Kaya minsan, parang ayoko na lang magigen. Hindi kasi ito yung ini-imagine ko na future self. Mali ko rin siguro kasi ever since I was a kid, parang ramdam ko na I was born to be a star. Dahil siguro sa pagmamahal ko sa mga pelikula, na-adapt ko na yung ganitong mindset.

This weekend, I planned na ipasa-Diyos muna ang lahat. Pahinga ko muna ang isip ko tungkol sa career. Dalawang araw na katahimikan lang muna, baka sakaling mahanap ko yung sagot.

Pero kayo ba? Paano niyo ba nina-navigate ang adulting? Ano ba dapat ang goals? How do you find your passion again, and ultimately, how do you live?

Hello!

Paano ba mag tipid?

I have no self restraint and I hate it. Nakaka ipon ako beforr pero nauubos ko din kasi puro “deserve” ko yan.

Nahihirapan na ako kaka oo sa sarili ko HAHAHAHAHA

Share your advice or life hacks kung paano mag tipid. For example:

1. ⁠Maglakad kung kaya naman kesa mag trike or jeep
2. ⁠Mag baon sa office (although ginagawa ko na to)

ANY ADVICE WILL HELP ME HAHAHAHA im desperate

For anyone who recently lost their job due to redundancy, retrenchment, downsizing, or company closure, the SSS Unemployment Benefit may help provide temporary financial assistance while looking for a new job.

Here’s a simple overview:

What is the SSS Unemployment Benefit?

It is a cash benefit given by SSS to qualified members who were involuntarily separated from work.

This is:

• NOT a loan
• No repayment needed
• Funded through your SSS contributions

Who qualifies?

You may qualify if:

• You lost your job involuntarily
  • redundancy
  • retrenchment
  • closure of business
  • installation of labor-saving devices
  • similar authorized causes
• You are below 60 years old
• You have at least 36 total SSS contributions
• At least 12 contributions were paid within the last 18 months before separation
• You have not claimed the benefit within the last 3 years

Who does NOT qualify?

Usually not qualified if:

• You resigned voluntarily
• You were terminated due to misconduct or serious violations
• Insufficient SSS contributions

How much is the benefit?

The amount depends on your Average Monthly Salary Credit (AMSC).

General formula:

Benefit=50%×Average Monthly Salary Credit×2\text{Benefit} = 50\% \times \text{Average Monthly Salary Credit} \times 2Benefit=50%×Average Monthly Salary Credit×2

The benefit is usually equivalent to 2 months of support.

Requirements

Commonly needed documents:

• Valid ID
• Termination or redundancy notice
• DOLE Certificate of Involuntary Separation
• My.SSS account
• Enrolled bank/e-wallet for disbursement

How to apply

1. Secure your separation documents from employer
2. Get DOLE certification
3. Log in to your My.SSS account
4. Submit the unemployment benefit application online
5. Wait for evaluation and release of funds

Important Reminder

You must file within 1 year from the date of separation from work.

If you recently lost your job, it may be worth checking your SSS contribution history to see if you qualify.

Hello po. F(29) I am planning to move out na po this year. My parents are both seniors and hindi naman po alagain.
I am also juggling 3 jobs and earning 6 digits. Wala rin po akong iniintindi sa buhay kasi my parents have ther retirement funds and my siblings ay nagmove out n rin.

Nagsabi na rin po ako sa parents, they are okay naman po.
So my plan is apartment lang within QC yung kukunin ko and not condo. Ang problema ko lang e, hindi po talaga ako marunong magluto. 😭 sa bahay kasi si Dad talaga yung taga luto and usually paglabas ko ng room e kakain na lang ako. Any tips mo sa katulad kong baka magpagrab food na lang. 😭

Reasons why I decided to move out na.

1. Feel ko hindi ko magawa yung ibang gusto ko kasi nasa comfort zone pa rin
2. Gusto ko talaga ma experience yung solo living

Hello everyone, I'm (22M) a graduating IT student, I recently started looking for jobs not really expecting anything, just as a way to experience job hunting and interviewing. I recently landed a role as Service Engineer at a place near where I live and I'm set to start in a few days.

I think everyone I know still carries that idea of an IT graduate earning a lot. The role I was given pays 15k a month, it's not the exact job I was looking for because I'm primarily a webdev but I would like to work with hardware which is one of the appeals of this job. I don't know why but whenever I get ask how much my salary is I kinda just skim around the question lol.

I don't really know why I wrote this, I think maybe for just bit I felt like I achieved something but it's not enough, I guess?

Need ko lang ilabas kasi medyo masakit pala pag nangyari sayo personally.

I’ve been in my role for a while now. Tahimik lang akong employee pero ako yung tipo na taga-ayos ng processes, sumasalo ng issues, at usually maaasahan pag may kailangang ayusin behind the scenes. Recently, nadagdagan kami ng tao sa team and management decided na dapat may mag-lead. At hindi ako yung napili

What makes it sting more is ako pa yung nag-turnover ng process sa bagong kasama. Hanggang ngayon sakin siya nagtatanong about workflows and concerns kasi ako talaga yung pinaka-familiar sa system and process namin. Ang feedback sakin is “okay naman daw ako pero tahimik.” And honestly, I think yun yung masakit for me. Hindi naman ako yung tipo na sobrang ambitious or naghahabol ng titles/corporate ladder. Pero siguro deep inside, naisip ko lang na if magkaroon man ng leadership role eventually, baka naturally ako na yun because of the experience and knowledge I built over the years.

Gets ko naman na leadership roles minsan mas preferred nila yung mas outspoken or visible. Wala naman akong galit dun sa napili. Pero ang weird sa feeling na ikaw yung may pinakaalam operationally, ikaw nagturo, ikaw yung go-to person… pero parang hindi pa rin enough.

Parang corporate life really rewards visibility more than consistency sometimes.

This year has been rough already, so napapaisip tuloy ako if sign na ba ito na kailangan ko na ng bagong environment. Nakakapagod din pala maging “reliable but quiet” employee kasi minsan invisible ka hanggang kailangan ka nila

Hi everyone, do you think it’s a good move for me to rent a condo at 20k a month. I’m single, earning 6digits a month, net already. Not a breadwinner but I give monthly allowance to my parents. No vices or any other expensive side interests such as travel etc.

What do you think? I’m afraid it might impact my monthly savings and limit my life choices. I have never lived independently.

Need your advice. Thank you and have a restful week.

Hi there, I started earning 120k about 3 months ago which is surprising to me cos I use to earn way less when I first started working 2 years ago. I came from a lower middle class family, so earning this much is new to me. The very first thing I bought so far is St. Peter plan and now im planning to get health insurance.

Im living a very modest life. I don't have much bills to pay except for electricity. The most luxurious thing in my place is one 7/11.

I don't know much about investment because im bad with numbers which is why i wanna ask your advice what would be the safest way to make my money grow.

Im puting it in Seabank rn

So when I started going to the gym and started tracking my macros, I told myself na I am going to be consistent with this because anong point if di ako magiging consistent? Wala ring kwenta so I committed for the past 2 months na maging consistent sa gym at maging consistent sa nutrition. Kahit na may mga araw na tinatamad ako mag gym. Even after school, I go to the gym and after the gym, nagtatrabaho pa ako with my remote work. Honestly sobrang addicting siya sa feeling. You feel more alive compared sa nakahiga ka lang buong araw sa kama. Although kailangan mo talaga gumastos pero sobrang sarap sa feeling talaga every after mag gym. Buti na lang ito lang yung bisyo ko at mukhang ito na nga talaga magiging bisyo ko for the rest of my life. Share ko lang kasi I’m so happy with myself kasi naaalagaan ko ng maayos sarili ko physically, emotionally, and mentally. Have a good day guys :)

hello! i’ve been wanting to invest more sa quality clothes with quality fabric and gets na
pricier sya compared sa mya polyester na clothes.

I see a few viral shirts in tiktok that claims to be 90 to 100% cotton so I bought one pero di ko sure if reliable ba yung claims. I can say na comfy sya pero wala akong eye to verify if cotton ba talaga. Alam ko din maganda yung Linen. Not sure lang po sa iba pang types of fabric.

can you share tips, knowledge and what is the best fabrics I should look for when I shop? Also, share your go to shops please 💗

ty!!

Literal na "home matters" :)

Where to start? My lote na po parents ko and gusto ko sana ako na yung magpapatayo ng bahay nila at ako na rin bahala kung pano itatayo (choosing contractors and stuff..)

Im clueless kung magkano aabutin pero i think kaya naman for downpayment and pwede din akong mag loan sa bank or sa pag-ibig. OFW po ako and I registered sa pagibig dati as one of the requirements bago ako makaalis.

I asked about this kasi gusto kong mabago diskate ng pamilya ko. Looking back, pag nagpapagawa sila ng bahay sa properties nila, puro DIY - sariling pili ng atrabador, then diskarte nila for the sake of "makamura" but ended up di lagi maganda yung pagkakagawa, may mga leaks and they had constant stress kung ginugulangan ba sila nung mga atrabador or hindi. Tapos medyo magulo din yung design ng interior. Walang maayos na theme.

So this time, gusto kong ibahin yun, i would like to hire professionals and possibly yung "naka package na". My parents still wants to choose their desired style pero sana may guidance na ng professional. And sana yung may maayos na construction timeline na.

So ayun, pano ako magsisimula? Ano-ano yung mga dapat kong asikasuhin or iplano? My PH-counterpart ba ng Houzz. com? If there are fellow OFWs or anyone based abroad, any recommended companies that are easy to contact and to deal with even remotely? Whats the smart way to finance this?

any tips, stories to share, comments etc will be helpful. Salamat in advance :)

im now in a rock bottom

it all started last year when i got hospitalized due to my kidney stones. i used to be a call center agent for 4 years most of what i eat are mostly pares and some salty foods which costs me greatly

. well yun lang available sa madaling araw ehh. then i had an operation that costs me all of my savings and tons of debts from my friends. take note i live alone im a unico hijo and both of my parents passed away when i was 19 y/o. left alone by that age but i kept on grinding and moving forward no matter what.

however when i was hospitalized for more than a month i truly felt how alone i am no one was with me when i got admitted my friends visited me but none of my family relatives paid me a visit ever. all they did was ipagdadasal nalang daw nila ako and they're too busy to visit me cant blame them im nothing but a nephew to them.

i realized in that moment that at the end of the day i`ll eat alone i`ll sleep alone and maybe i`ll die alone and they wouldnt give a single care about it.thank god i survived that but sometimes i wish i didnt survived.

from there on nalubog ako sa utang i was out of work for more than 2 months i got bills to pay my electricity water and im renting an apartment. im super gratefull for my friends they lent me a loan. but a loan is a loan. went back to work but i cant budget my salary anymore. pang bayad nalang sa utang and all napupunta nag sabay sabay silang lahat.

i got overwhelmed and pressured by that it affects my performance in work. one thing lead to another i lost the only job i had i got burned out by the situation im in.

i keep on blaming my self bakit pa kasi ako nag ka sakit and bakit pa kasi ako nabuhay pa. due to late payments i got kicked out of my apartment i was behind my rent for 4 months. i reached out to my relatives none of them accepted me reached out to my friends but they're maxed out na.

currently homeless got nothiing to eat there are times some of my friends giving me caned food,rice and water. but its not all the times. so to survive to sold my shoes some of my clothings in exchange for a food. nilalako ko siya bawat karinderya sinasabi ko na damit nalang pamalit ko sa pagkain. all i have with me now are a pair of shoes and some clothes and pants.

i still want to believe na makaka ahon pa ako but parang hinde ko na kaya i dont know if i can take it anymore ive been homeless now for 2 months looking for a stay in job that could pay me daily so that i could budget a savings and for my food plus the necessities i needed for a daily survival i tried construction before i only lasted for like 3 days since my body isnt used to be on a labor job it felt like im about to be hospitalized again being a call center agent for a lot of years makes you weak i honestly dont know what to do anymore i just whished i didnt survived when i got sick

So I just started a new job sa isang MNC. 1 month pa lang ako dito. Sa team namin bale 3 lang kami to do the job and 2 kami na new hireS. Yung senior samin was doing all the tasks basically before kami na-hire. Mabait sya, generous sya when it comes to teaching us about sa work pero medyo sanay lang sya to work alone since sya lang nga mag isa noon so gets naman. Yung work naman namin is usally done alone din, writers kami. May specific task lang for you to write and then that's it.

For context, 2nd job ko palang itong current ko. Yung dati kong work (3yrs ako dun) sobrang close ako with teammates and we are a big team. Masaya ako sa previous job ko when it comes to the people but the management became toxic and stagnant ang growth kaya I left (mababa din ang sahod)

Now I am earning well compared before, workload is a bit lighter as well. Wala lang talaga masyado bond with the new team, minsan I eat lunch alone na din haha and soon magiging shifting kami so hindi na din sabay ang shift namin as a team.

Normal lang ba to feel this way? Medyo sad lang ako but I dont want to be ungrateful kasi lalo na maganda ang company na nalipatan ko and compensation wise okay din sya. Give advice naman po. Thank you.

I’ve tried different sports and even enrolled in trainings, but I’m honestly so uncoordinated. You can really feel the sigh coaches give when after a whole session, there’s little to no improvement. Until now, I still haven’t developed proper footwork.

What’s funny is both my parents are athletes, but I somehow ended up lanky and unable to even track the ball properly during ball sports. That’s why nobody wants to pair up with me or get bored if I’m the opponent. I also tried running consistently for 3 months, but my form still feels off and my pace barely improved no matter how religiously I trained.

At this point, I genuinely don’t know if it’s genetics or if I’m just unbelievably unlucky enough to be the most uncoordinated person in the world.

I really love to dress well so I have a lot of clothes. My issue is lagi na lang nasstretch yung mga damit ko pagkalaba. Takot na takot ako na iba maglalaba ng mga damit ko kaya nagpapanic ako if nasasama sya sa laundry ng fam and kinakabahan din ako magpalaundry. Nasisira na lang lagi yung quality ng mga damit ko which is masakit for me since it came from my hard earned money and most of it are branded. Lalo na kapag makakapal and stretchable yung fabric. I have this problem for years na to the point na I often buy 2-3 clothes every cut off just to replenish my wardrobe since kailangan ko sya as office wear and pang church din

To give you some context on how I do my laundry, binababad ko sila sandali, kusot ng dahan-dahan, then tatlong beses na banlaw, tapos dryer na pero di matagal. After ng dryer idederetso ko na sampay which is I think one of the reasons why nasstretch yung damit. Yung sampayan kasi namin is sobrang taas, I think around 4-5 meters kataas, so di ko alam kung dahil ba dun yun.

Guyzzz pleasee I need some help. If you can be kind enough to give me some tips para lang maiwasan sya and para naman di na ako umiyak kapag may nasisira na naman na damit huhuhu. May times na pag nasa clothing shop ako and may nakita akong magandang damit na bibilhin, naiisip ko lagi “hanggang ilang beses ko lang kaya to masusuot??”. I will appreciate any tips and life hacks na masheshare nyo guyz, thanks!!!

This might help for those applying to renew their mutilated passport:

• When booking the appointment, piliin niyo yung Renewal (even if the DFA website says that it will be treated as a New application).
• Online niyo na rin pipiliin and babayaran kung mag-papaexpedite kayo ng application niyo (aka faster processing by a few business days for a fee).

On the day of your appointment:

• Bring your mutilated passport AND A PHOTOCOPY OF YOUR PASSPORT'S BIODATA PAGE.
• Bring a photocopy of your valid Government ID. Kung may Driver's License, pwede na yun. Mas gusto nila yung ID na may signature even if sinabi sa website na preferred na National ID yung gamitin.
• Bring a notarized copy of your affidavit. I just used a template I saw online from a Philippine embassy.
  • Make sure to change the dates to whatever year you're editing the file.
  • Change the location as needed.
• Sign the application form there sa office na mismo sa harap ng nag-pprocess. Sasabihin nila kung magssign na. Wag unahan.
• Prepare cash for the penalty fee of 350 pesos (nasa ibang window ito. Gagawin mo ito after ng processing). Wag umasa na may GCash/Maya or card payment.
• They did not get my birth certificate / copy. Nagdala ako just in case pero di kinuha.

Steps (from my experience in Megamall):

1. Scan barcode and get number.
2. Go to processing and wait for your number to be called.
   • Kung may existing/valid visa ka pa sa mutilated passport, sabihin mo sa kanila para ibalik sa'yo after butasan.
3. Go to cashier once done with Step 2 (depende sa branch siguro pero wala na normally number dito so pumila accordingly).
4. After payment, go to Encoding (dito pipicturan ikaw at kukunin ang biometrics). Get a new number from the machine/staff kasi iba na yung numbering system dito.
   • Magdala ng panyo kung pasmado ka. Mahirap mabasa ang fingerprints kung basa ng pawis.
5. Double-check details.
6. Kung magpapadeliver, I think pupunta pa sa courier services na area.

IMPORTANT Notes:

• If lahat ng tao inintindi nang mabuti yung mga requirements, mabilis mapprocess lahat SO DO YOUR PART. Wag feeling main character at pupunta doon na walang photocopies even if sinabi na nga sa website na magdala.
• Simple lang mag-google. Meron din FAQs page ang DFA sa website nila.
• Go to the office only kapag malapit na appointment time mo. Respect other people's timeslots please. Wag pumunta at 10AM kung 3PM appointment mo. Di ka rin naman papapasukin. I saw other people get denied by the guards kasi di pa nila time. KUNG TIME MO, TIME MO NA.

After graduating, gusto ko na mag work agad, sakto naman tumawag yung kakilala ni mama, nag offer ng work kasi kailangan daw ng pinsan nya ng secretary para sa family business nila. 15k sahod, libre lahat tapos doon kayo titira sa bahay nila. Dahil dalawa ang secretary na kailangan, naisip ng mama ko na yung isang pinsan ko nalang ang isama since kaka graduate nya lang din.

Nov 6, sinundo kami ng driver nila patungog CDO kung saan kami mamamalagi sandali dahil may kailangan pang asikasuhin ang mga amo ko. Noong una, ayos naman ang lahat, mababait ang mag-asawa. Na meet din naman yung mga anak nila, mababait din. Sobrang yaman nila, nag stay kami sa isa sa mga condo nila sa CDO nang tatlong araw hanggang sa bumiyahe na kami sa bahay talaga nila, di ko nalang sasabihin kung saan basta ang clue ay mataas na lugar.

Pagkarating namin, nalula ako sa ganda ng bahay talaga, mansiyon. Sobrang saya ko dahil first time ko din pumasok sa ganon kalaking bahay. Mga ilang araw sa trabaho, maayos naman lahat, ang opisina ay nasa loob lamang ng bahay nila at mababait naman yung mga kasamahan din namin sa trabaho.

Hanggang sa unti unti na naming nakita ang totoong ugali ng mga amo namin. Isang araw, isang ka trabaho namin ay nagkamali sa ginagawa niya at doon nakita ko kung gaano sigaw sigawan at murahin ng amo kong babae ang katrabaho ko, sobrang takot ako noon gusto ko nalang umalis sa opisina. Talagang pinahiya nya ang katrabaho ko sa lahat ng nandoon.

Pangalawa, parang naging secretary/katulong kami sa bahay na iyon. Dahil yung isang anak niya ay umuuwi na nang alas tres ng madaling araw, obligado kaming pagbuksan siya ng gate kahit pagod kami sa trabaho. Obligado din kaming gumising ng maaga para lutuan ng lugaw ang nanay ng amo ko na 90 years old na. Nalilito na nga kami kung secretary ba kami sa bahay nila o katulong haha dahil tuwing nagbabakasyon ang katulong nila, obligado din kaming mamalengke at magluto.

Hanggang sa napuno na talaga kami ng pinsan ko, naisipan na namin na umalis. Naalala ko pa noon, sabay naming sinend iyong message sa amo naming babae habang nasa Dumaguete sila dahil hindi na namin kayang maghintay pa sa kanilang makauwi dahil napuno na talaga kami.

Pagkatapos naming i send yung message dali dali siyang tumawag sa phone ko at pinagmumura nya kami. Sinabi nya din na umalis na kami kaagad at huwag na kaming kakain doon sa bahay nila bago umalis dahil hindi naman na daw kami nagtatrabaho doon. Huwag na rin daw kaming magpatulong sa mga katulong sa bahay na ibaba ang mga gamit namin sa labas. Kahit na sobrang dami naming gamit ng pinsan ko ay nakayanan naman namin ibaba ito at ilabas sa bahay nila. Mabuti nalang talaga at nakaalis kami sa trabahong iyon, na realize ko lang din na ang sahol talaga ng ugali ng mga mayayaman. Dami ko pang experiences sa kanila, sobra.

I love my nieces and nephews. They never ask for anything but everytime nagpapadala ako sa kanila, ang dali ko bilhan yung mga nieces ko. They share screenshots of tiktok trends. haha. Yung last na padala ko all my niece asked for was a bag of takis. And now gusto nila yung butter na slime(?) and charms daw for their crocs.

When I asked my nephew what he wanted he said kahit ano daw. I usually padala pants and some polos but maybe may iba pa akong mapadala sa kanila. Any suggestion is appreciated. Wag lang yung gadgets because my siblings would be livid! Lately, my nephew has been into music and playing the guitar, nakita ko sa fb niya.