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pirate edisi
>>
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First for unending love for frens
>>
>>204679444
too early chud
>>
>>204679444
too early chud
>>
>>204679560
>>204679604
It was 300+ already
>>
still too early chud
>>
>>204679444
>>204679560
>>204679604
>>204679616
>>204679633
samefaggotroon
>>
>>204679679
I can’t bump my own thread retard
>>
you can thoughever
>>
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On my way to work.
My milktea.
>>
we /pinoy/ now
>>
>>204679818
fat fuck
>>
I thought lowlife retards like you took pride yourselves as a NEET?
>>
could be different people thougheverbeit
>>
You can easily say that on an anonymous imageboard samefag retard
>>
>>204679818
fat fuck
>>
Why so many tanglogs?
>>
could say the same for tbH
maybe youre the OP trying to drive traffic into this thread
>>
>OP is genshit
>thread is shit
When will you learn?
>>
Im not fat. ;_;
>>
God forbid too many samefag monkeys atm
>>
>>204679914
OP can’t bump his own thread
>>
White man trash on pinoys on asean amd everyone lets him. Pinoy incel posts on asean everyone trash on him. It's fucking mimd blowing how massive cucks the posters here are.
>>
>>204679444
The real thread is by my filipino bros
>>
>>204680112
>White man
*pinoy man pretending to be sex tourist
>>
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I miss the pedo Im@s OP
>>
>>204680112
That's hard coming from a cuck pretending to be a chad
>>
>>204679818
honorary melei man
>>
That includes being an obnoxious faggot
>>
its all one guy (me)
>>
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>>204680377
based me
>>
>>204680400
thanks me in indonesia
>>
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>search sex offenders within 3 miles of my house
>60+ results
>try fren's house
>0 results
so i do live in a shithole
>>
>>204680601
is ur friend huwite?
maybe its a huwite neighborhood
>>
Beta Tangalog Style :(

Bvll Bisakol Style :)
>>
>>204680627
Rape isn’t really a race thing
Maybe he lives in a gay neighborhood or something
>>
/schizo/ general?
>>
>>204680627
yes, it's like 90% huwite
half the people on that list are huwite DOUGH
>>
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me in 30 years:
>>
like a somebody
>>
>>204680868
is your neighborhood full of fags as >>204680732
said?
>>
Ayam geprek almost killed me.
>>
weakness
>>
>malay being fat again >>204679073
>>
I opened Facebook because some relative was nagging me to like a post when I haven't used the site in years, and the first thing I see is a guy telling the poor Jollibee cashier to use his correct pronouns
Thanks, Fagmerica.
>>
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Lunchie tiem? Where's my free lunch gemoy?
>>
>>204681170
in the same place as BBM's 20 pesos per kilo rice
>>
Why is reddit more engaging than asean
>>
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literally
>>
makan siang gratis
>>
>The Head of the National Nutrition Agency confirmed that the free nutritious meal program which is the flagship program of President Prabowo Subianto and Vice President Gibran Rakabuming Raka will start on January 2, 2025. Dadan said that a number of parties were involved in making this program a success, one of which was the Indonesian National Army ( TNI ).
EAT ZE FOOD
>>
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>Why is reddit more engaging than asean
Too much retarded posting that's pretty much you did itt
>>
Filipino general
>>
I have question guys, how come milk tea is a thing? Aren't people lactose intolerant? Do you guys fart a lot? Do pinay braphogs gas a lot?
>>
>>204682319
Just 1-2 glasses a day is fine 5+ glasses up might take effect but its just more likely to shit than outright diarrhea(speaking purely from personal experience as someone who drink milk daily)
>>
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This it ze thread
>>
>>204682319
The fact that many people couldn't tolerate milk was kind of surprising for me because milk is sold everywhere
I guess because people here don't drink milk that much like the other anon, most of them don't realize the effect and keep on enjoying milk and coming up with new types of milky drink or food
>>
BAKIT ANG ASIM KO
>>
Test
>>
I look like Lance Aceron
>>
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>>204683606
I look like Gold Aceron
>>
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>I look like Lance Aceron
>>
Uh oh, tangalog monkey cloaca is open again
>>
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Left or right bros ?
>>
>>204683773
>moondrop
>no waifu marketing
kindly ask the seller to kill himself
>>
>>204683773
buy conch or cca rhapsody
or save up abit for sonus or ew300
>>
>>204683773
i hate in ear earphone
>>
>>204683773
Chuu/chuu 2 was so yesteryear, in fact I've had the original chu
there's a lot of new better one
haven't heard of the right one
>>
>>204681231
you clearly got misled by memes
go back to r/2ph4u
>>
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let me guess, you need more? these are what perfect earbuds should be like.
>>
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>>204682319
are you a sexpat or that kind of retard who believes internet memes because you've never seen the real world?
lactose intolerance is not the same as a lactose allergy. many people here, and many country in asia, consume milk daily without any issues, and milk is widely available. a lactose intolerant person cannot properly digest lactose, leading to it remaining in the colon, which can cause discomfort. while most lactose intolerant persons can drink 1-2 glasses of milk, some may experience bloating or loose stools, but this isn't the case for everyone. many lactose intolerant individuals can consume up to a liter of milk without experiencing any symptoms.
>>204683094
most people (who aren't retarded) are aware of this thing, anon. It's literally taught in school.
>>
>>204683958
yeah that's not "abit" myguy

>>204684033
why ?

>>204684034
>og chu
im using it now
>>
>>204684183
>>
>>204684152
Poor sound isolation
You'll need to crank up the volume to mask out the outside noise
You'll blow your eardrum, throw that shit away
>>
>>204684196
kz edc pro
>>
i feel cucked
should have chose to compete with those dumbasses
>>
>>204684196
>>og chu
>im using it now
Not much upgrade to chu 2
Just a detachable cable and little bit of bass
>>
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>>204684211
>>
>>204684152
those design are peak earphones. Fuck """audiophiles""" for popularizing IEMs
>>
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zoomerbros, our response?
>>
should i meme the SKB test and fail or do it seriously but got thrown to West Papua?
>t.low-middle class zoomer
>>
>>204684337
>papua
fail
>>
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>>204684302
>Earpods design
>Peak design
Fuck off itoddler
>>
>>204684302
Fun fact
IEM was originally designed for Alex Van Halen to replace their loud wedge monitor
>>
>>204683879
theres waifu doe
>>
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>>204684215
Usecase for sound isolation? Gotta keep an ear for my surrounding so no niggers will come close to my wallet. Or no bike niggers will jump me on the sidewalk from behind. No, I don't need to crank up the volume to maximum, halfway is more than enough.
>>
I'll try moondrop and see if it's worth the hype. Tried Anker last year amd it was disappointing.
>>
>>204684447
Indog once again ruined everything
Go to hell Van Halen and run with the devil
>>
>>204684559
Javanese
>>
>>204684559
never heard of pickpocket before?
>>
that poster is on another rampage
>>
>>204684559
https://www.youtube.com/shorts/F9RUdrvc3Ms
>>
>>204684302
Yeah I never get the in ear appeals either. Not a fan ever since I saw one on my highschool friend's sony ericson phone in 2008, it just feels weird on my ears.
>>
>>
>>
>>204684608
Javanese are brown not black
>>
>>204684852
What about jawir
>>
I want to have loving sex with a girl so bad
>>
>>204684543
why would you buy earphones from a USB cable and power bank manufacturer?
buying audio stuff from a company that doesn't specialize in them is always a bad idea
>>
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Susu is all i needed
>>
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>>204684886
Be young again
>>
>>
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>me gaslighting myself to be materialistic because neeting is so fulfilling that it hurt my surviability
>>
>>204684871
it depends which Jawir
>>
>>204684559
madurans
>>
Are batak the pajeets?
>>
>>204684946
i want to experience having a job as a 22 year old NEET but they prefer hiring college kids over people who have no experience and diploma like me.
>>
Viets are Chinese
>>
>>204685214
Work your way up to the position of supervisor at your local Jolibee
>>
>>204685302
Vietnamese look like typical mainland SEA, not Chinese
>>
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>>204685403
whats in his pocket?
>>
Noisy lowlife monkeys itt I see
>>
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>>204685175
They are actually one of the 12 lost tribes of Israel
>>
>>204685304
Doesn't solve my problem on how to get hired with just a high school diploma at 20s.
>>
According to reddit working at Jollibee is not worth it due to inhumane pay and conditions so I'll be crossing the fast food industry out.
https://www.reddit.com/r/PHJobs/comments/1d6thv8/is_working_at_jollibee_not_worth_it/
>>
SnR has the best pizza in the Philippines.
>>
>>204685992
Kek
>>
>>204686085
they stopped giving out unlimited onions
>>
>>204684526
So you can't hear your wife moans in ecstacy while she's getting pounded by her boyfriend
Cuck
>>
>>204686085
>the best
Combo is mid af. Monkeys really do know how to pick shit just because it's bigger .
>>
>>204686139
Why would you want unlimited onions?
>>
>>204686179
i love onions
>>
Tangalogs dumpster diving thread
>>
>>204686195
I love onions too but their pizza doesn't need more of them.
>>
>>204686218
i need more
>>
>>204686233
Do you smell bad?
>>
I'm down 1500 freedom paper in credit card debt with no job, what should I do anon? Prolly have to shell 200 buck per month. Real
>>
>>204686253
no, my gf says i smell good
>>
>>204686266
call the bank for a manageable payment term
>>
>>204686269
My wife loves my stink so never trust your gf about smell.
>>
>>204686266
Damn, that's brutal. I have no job but also no credit card debt. How do I get a credit card at 22?
>>
>>204686296
Would this affect my credit score? See my flag for location.
>>
>>204686266
It's easy just get a job
>>
>>204686330
i am not sure but not paying it will affect it surely
>>
>>204686322
Got fucked by layoff, depression, failed business, and overall retardation. My IQ was 120 though but that's before I became alcoholics
>>
>>204686403
You sound like a Finn. You should move there.
>>
>>204686424
Yeah planning to snatch a government sponsored scholarship and run away. I'm fucked and ashamed to ask my parents for money. It's crazy I asked them for permission to move out yet came back not with cute waifu and adorable children but with debts, what a fucking dumbass
>>
>>204686553
You live and learn. I was a neet for 10 years, but now I have wife and live in a paradise.
You'll get there dude don't give up.
I bet your parents would be help you, but I never had balls to ask mine for help so I know how hard it is.
Good luck.
>>
>>204684183
Im lactose intolerant and even half spoon of milk could make my stomach to feel uneasy.
same with milk, yogurt, butter.
like lactose were sand, unable to be digested.
>>
>>204686322
I faked my income with bank statement, I was 25 or so and at that time I got few tens or so grand just chilling, not my money tho I'm just an escrow. That's how I got two credit cards with 3000 bucks combined limit. Them banks are retarded.
>>
>>204686649
Thank you for the encouragement anon, yeah I'm currently picking up the pieces. I dunno how I'd fare next year tho but still as long as they're still here I'd try to keep on
>>
That's good thing to explain having a silver spoon stuck to your ass.
>>
>>204686851
Bro do you know what's an escrow is? It's not my money.
>>
>>204686851
Dont be mad some of us here don't have to take random dicks up their ass like you do
>>
>>204686905
And this comes from someone knowing a thing or two having dicks in the ass. You're not fooling anyone fag.
>>
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>>204686969
is it yap o'clock in your time zone?
>>
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>found another zoomers school report made in Canva
>>
>>204687067
Unless if the professional retard is awake, you know what that means.
>>
kek
>>
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>>204687188
Kuli jawak Demak emang beda
>>
>>204687188
>got kek'd back by the civil engineering community
>>
I'm tempted to make a homemade onahole..... This is really grim
>>
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>>204688208
Did that when I was a wee lad
You can cop one for cheap on shoppee it's not worth it anymore
>>
i'm gonna pick up webfishing.
maybe i'll make new friends there
>>
>>204688377
You got the bathtub one?
>>
>>204688405
i know in SEAland if i want to make friends i should pick up mobile legend or valorant, but grindy competitive games isn't for me anymore.
>>
>>204687091
canva is good because it mesmerize gen x and boomers like no other. you can whip up something in 2 hours and move on with your life.
>>
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>>204689027
benis houga
>>
Anyone else here whose family compels them to go to a big overseas trip during holidays? I dread Decembers
>have to explain to parents why I'm still single
>have to endure bantz from siblings about not being a parent/not being wealthy/not having own business
>have to endure cringe of older aunts and uncles acting like retarded tourists
>have to endure the airports of PH to and fro destination
>>
my family cant afford to travel
>>
flip cant suffer
>>
>>204689171
I suffer greatly thoughbeit
Indonesia is #2 SEA economy you don't suffer
>>
>>204689162
ASEAN countries are very affordable bro even solo and on a budget you can visit a lot of cool places in Thailand or Vietnam for a 2-3 day trip.
>>
>>204689349
>t. sexpat
you're different
>>
>>204687987
where?
>>
>>204687188
kalo busuk gimana dong? ancur semua?
>>
>>204689479
That's native pure blood brown pinoy to you sir
>>
Is it just me or there hasn't been a kurva anyatok thread for a long time now?
>>
>>204684934
You can be old and have loving sex, chud.
>>
>>204689349
I'm 27 with no job with a family that wants me dead. It's over.
>>
>>204686881
>escrow
Rekber?
>>
so fucking hot again when next typhoon?
>>
>>204689479
not him but i went to thai with 15k php budget that lasted me for 3 days
very fortunate that i didnt get trafficked to myanmar lol
>>
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whats going on in philippines?
>>
>>204690479
I like them sexo
>>
>>204690479
softcore movies seem to be undergoing a resurgence. They used to be really popular back in the 70s, then in the early 00s they tried bringing it back but it didn't really catch on. Only during the pandemic when everyone was stuck at home with nothing to do but coom it became popular again.
>>
>>204690479
vivamax happened
>>
>>204690479
what site is this? lol
>>
>>204690479
its the smut(softcore porn) era of our local entertainment baby.
except notice there's hardly any "actual porn" here, just smut.

in reality what actually happened is that after abs-cbn's, local tv station that peddle horse shit, was forced to shutdown by killing their license and bidding it out, it basically killed the golden goose and force their local media mafia to swam on their own resulting into ventures that they wouldn't give two jackshit about.
>>
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>>
Indonesia jaya
Ayolah terbang sang garuda
>>
>>204690678
>>204690684
>>204690898
>>204690925
philippines seems like a paradise
hot weather, hot girls, hot sexo
you can't suffer there
>>
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All these londo and you still need PRIBUMICHAD to carry the team.
>>
>>204691179
He looks black
>>
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>making $5k a month being a digital nomad, net of investments.

Yeesh, I feel so blessed compared to even seeing the wagies here.
>>
>>204691162
>paradise
>we just got off a fucking conveyor belt of six(6) typhoon in single month
>two of which had wind speed capable of downing two story buildings
>with waves said to surge as high as four story building.
kek i had bad news for you bud
>>
>>204691386
>digital nomad
You mean online gambling mafia
>>
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That bitch was really ugly.
>>
>>204691444
nothing happened lol
and nothing will ever happen
>>
>>204691492
Nah im legit working a white collar profession overseas. Not permanently but still i’m comfy as hell right now working night shift.
>>
>>204691296
He's from Nusa Tenggara so he might have more Melanesian blood in him but he looks like regular Austronesian Indonesian to me.
>>
im freezing
>>
>>204691748
He's a jamet who grew up in Surabaya but one of his parents is from Nusa Tenggara.
>>
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>>204691829
it's so hot I had to turn on the AC
>>
Bruh I'm pretty sure Oratmangoen's grandfather was an RMS member. So those Moluccans in Netherlands don't hate us anymore?
>>
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>>204684183
>sexpat OR that kind of retard […]
I'm a polite tourist who comes with a gf with similar genetic background to my own.
This might shock you, but some people come to visit your beautiful country w/o going for the hookers. No need to be seething and pedantic.
>>
Thailandanon seems to be even less friendly than Singaporeanon
>>
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>>204689027
The large bowls at the PH Yoshinoya are so fucking small
I hate Jollibee Foods Corp. so fucking much, they own the franchise for some international chains like Burger King, CBTL, Panda Express, etc. and it's the same fucking thing every time
>smaller portions
>may or may have degraded quality
>expensive
>>
And you're aren't a saint compared to them.
>>
I fell in love because a woman was being friendly to me but now it's all over
>>
>>204692048
Confirmed meds aren't white
>>
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i shit my pants in public today
>>
>>204692137
may or may not have*
I'm seething so much I can't even type properly
>>
nah thaikot is frenly
>>
>>204692137
>hates the food
>had invested stocks
>>
>>204692189
I'm thinking of doing the same, as much as I hate them
For the most part I've boycotted every brand they own but it's clearly not working when my family (and millions of other Filipinos) still order Jollibee/Mang Inasal occasionally so might as well profit from it
>>
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>>204691829
>>204691991
stop complaining
>>
>>204692250
What does jollibee taste like, how come filipino food isn’t as refreshing/green heavy as thai/cambodian/vietnamese food?
>>
>>204692407
Spanish influence
>>
>>204689811
Trusted third-party for something
>>
how do i become get a white collar digital nomad job with a highschool diploma
>>
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>>204692156
https://youtu.be/3zrSoHgAAWo
>>
>>204692407
Literally McDonalds level of slop at the home base.
>>
>>204692407
spanish and american influence, especially american. fried chicken, burgers, hotdogs, and spaghetti came from them.
>>
Hiring managers don't hire lowlife monkeys like you though so kys
>>
filter doing the lords work
>>
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>>204692479
MOTHERFUCKER
>>
I just got anally annihilated processing local government requirements for small businesses. My friends never talked about this kind of shit and now I'm starting to wonder if they're all just tax evaders.
>>
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>>204692048
>imagine being this new
bruh, it's a 4chan meme. when we say "sexpat," it just means tourist.
>>
My only question is how are some sea monkeys making so much money?

My cousin lives an upper-middle class life. Like how fucked are you if you don’t have family setting you up?
>>
>>204679444
Test
>>
Cry all you want miserable macaque you still full of shit. A bullet from your skull is much deserved for you.
>>
>>204692639
Most of the flips here are either born with the silver spoon and got connections, or faggots merely pretending and larping as one.
>>
how to get a job with only a high school diploma so I can start a small business?
>>
filter really going to work harder than jannies
>>
i was very poor back then so my parents could only buy famiclone
>>
>>204692407
I cook my own meals, and so if I'm forced to eat outside I usually try to order something with veggies in it, and almost every time I'm ordering Thai/Vietnamese food
I love Thai curry (with mint) and pho so much, they're usually the things I look for
The usual vegetable dishes you get in Filipino restaurants and diners are
>chop suey (not even Filipino)
>ensalada (there's an eggplant variant, and also onions are veggies)
>the greens that come with sinigang
>some variation of sauteed vegetable mix I can't be bothered to name individual dishes
>>
>>204692616
Hire an accountant?
>>
>>204692639
The richfags I know who weren't born into it can be classified into
>studied to become a seaman and work innaboat
>studied CS to work in IT either here or abroad
>early adopter of call center work and just slaved away for 10+ years until they either reached a high salary or got promoted
>early adopter of remote work/freelance
Basically people who are willing to grind in fields dominated by jeets long enough to build a rep
>>
Laughing at your skill issues. Not only you can't touch some grass, you can't even process the papers properly.
>>
>>204692639
i work for mr scully
>>
is there a chance if I took short courses enough qualifications to land employment?
>>
>>204692940
we can only afford a vcd player with games on it
>>
>>204693133
yes, buy a lottery ticket while you're at it
>>
And also why do basic training if you always bitch on hypothetical situations?
>>
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>>204692306
Coldest I've ever experienced was 10C (in Baguio)
I found the same temperature when I went to Osaka tolerable though. Must be the humidity in PH making the cold air feel even colder?
>>
>>204692940
Ah yes, the 999999 in 1 feat. Super Mario, Moon Mario, Contra, Adventure Island, 1942, Circus Charlie, so on so fourth.
>>
>>204693249
half of it are the same games backwards
>>
>>204693292
Need to fill those flash storages bub
>>
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>>204693020
imo, it's easier in sea than america to transition from the poor wagie class to upper middle class because tuition fee at college level is very cheap. all you need is to be diligent enough to enroll in an elite university.
>>
So the fag ritualposting about not having a job, and the other fag that keeps feeding him with passive-aggressive posts like a bitch
They're the same person, right?
Imagine being THAT terminally online
>>
>>204693367
college tuition here is free for state universities and colleges at least
>>
>>204693367
Fair enough, but connections aren’t really a problem in USA. Tuition fucking crazy though.
>>
Oh great, the professional retard's here now.
>>
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>>204692940
>>204693147
didn't your cunt have the equivalent of a netcafe, but it's a console game instead of pc?
>>
>>204693367
>all you need is to be diligent enough to enroll in an elite university.
Here you don't even need that. The elite university education may benefit you if you're studying STEM or if you need connections like if you're studying business or a creative degree. Jobs that pay well here are either in business service shared services, which is basically BPO+ or something in IT and as long as you have the proper credentials or pass the technical tests you're in. It's really just a matter of being able to do a 9-5 daily for years on end until you outlast everyone in your company then move up the economic ladder.
>>
>>204693367
>imo, it's easier in sea than america to transition from the poor wagie class to upper middle class because tuition fee at college level is very cheap. all you need is to be diligent enough to enroll in an elite university.
lmao WHAT
>>
My family has a debt of $1100 with 25% interest a month (they are loan sharks).
Our incomes are $1100 a month too
expenses:
$260 (rent) a month
$100 (food) a month
How to escape from this debt hell.
>>
>>204693546
NTA but there are rare ones but at this day and age, there guys playing PS2/X360/XBONE games for a 5 minutes a peso.
>>
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>>204693546
Yes, we used to have those. But everyone is into mobile games now when smartphones became cheap.
>>
>>204693147
Same thing. It's just famicom on a chip.
>>
>>204693610
Around a decade plus a couple of years ago there used to be a shop near my uni where instead of PCs they had consoles, and they even have karaoke-like rooms where you can play Guitar Hero or Rock Band
It was a great time
>>
>>204693639
Mobile Legends has done irreparable damage to this country.
>>
>>204693663
PS3 was the shit back then, I got the first taste on playing GOW3 on that shit.
>>
bago?
>>
>>204679444
Best girl x
>>
>>204693592
you need more income
sell some assets
>>
>>204693592
>$(1100*1.25)-(1100-360)=635
>$(635*1.25)-(1100-360)=53.75
>$(53.75*1.25)-(1100-360)=-596.25
Lesson no. 1: Don't be poor
Lesson no. 2: Don't be dumb
>>
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>>204693492
yeah, family connections could help you land a job easily in sea (especially job like civil servant), but if you graduated from a good uni (non-meme faculty), then you don't even need a connection (you also have connections from friends and your senpai at uni too). also a lot of good jobs here are in wypipo companies, and family connections aren't a thing there.
>>
>>204693762
I don't need a lesson, I need an escape
>>
>>204693592
I wish I can have $1100 a month income but no one wants to hire someone who only finished HS
>>
>>204693704
there is already a thread up to replace this one later
>>204679565
>>204679565
>>204679565
>>
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>>204693574
many of my friends at uni are from poor families, and all of them are now at least upper middle class. It's not hard for a poor boy to enroll in a good uni, but yeah, rich pipo still have a huge advantage because they have money for cram school.
>>
>>204693746
I don't have any assets anymore except a motorcycle, refrigator and phones.
>>204693762
oh is it in months? I messed up my calculation by adding our rent to the debt. I thought we needed 7 months.. so it is just 3 months.. not bad.
>>
>>204693813
maybe you are just ugly

https://old.reddit.com/r/adultingph/comments/1gsjt3x/i_got_the_job_because_of_pretty_privilege/
>>
>>204693809
>escape
There's no escape. You're too dumb to take 1455.1% per annum loan. And, I have said in the past that taking >50% PA as retarded. So, your family is 29 times dumber
>solution
Liquidate gold. At $80 per gram, it's going to take 13.75 gram. For each elapsed day, you're going to pay 110 mg gold extra. So, Rather than paying $447 or roughly 5.5875 gram of gold for interest, fucking liquidate
>>
>>204694075
it was a high-risk high-reward venture, they were the only ones who gave us money anyway.
Btww I can clear my debts in 3 months, right?
My math brain is not functioning properly, I only slept 2 hours yesterday.
>>
Thailand imploding it competitive advantage by trying to tax expat boomers.

BASED or CRINGE?

Personally I don’t think thailand has the workforce to deal with this task.
>>
>>204693836
no dont use this shit
just make a new one
>>
>>204694428
Kay
>>
thank you for sharing
>>
>>204694428
Nah
>>
dont make another bago chud
>>
reuse this chuds
>>204679565
>>204679565
>>204679565
>>
>>204694872
That bread is already stale
>>
>>204694872
Kay
>>204694898
Don't post there then
>>
dont be wasteful chud
>>
the experiment has been successful
specimen is contained and hitting bump limit, real thread is pristine
trust the plan
>>
I’m baking it
>>
>>204694898
much better stale bread than pagpag
>>204694977
make your pagpag
>>
DONT MAKE BAGO CHUD
>>
>Non T*ngalog Made Thread
>>204679565
>>204679565
>>204679565
>>204679565
>>
too early chud
>>
>>204693592
my brother was dumb and paid credit card bills with a credit card
the only ways out is getting a better job (he did this), accepting money from a family member (he never asked me, even though i could and would have paid it off, if only i knew about his debt), or selling/pawning something that you have (could be food or crafts or old stuff)
>>
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>>204694256
>tax expat boomers.
that's a fucking good thing. if you live in another country that means you use infrastructure from host country therefore, it's not wrong for host country to leech on your tax.
>workforce
you talk as if collecting tax from boomers is a very difficult job, like semiconductor engineering or something. this country is literally a civil servant state, with millions of civil servants who leech on our tax.
>>
>>204695067
based 3R (reduce, reuse, recycle) anon
>>
>>204695113
She needs my BFC
>>
>>204694238
Dude, listen carefully. What are the terms of the loan? Can you repay it at anytime or not?
If you can at anytime, then swap to lower interest rate. For example, one of my banking apps offer 1.95%/month "KTA", which I will never use

Let's say tomorrow 1 month has elapsed, and you have to pay
>($1100*1.25)-(1100-360)= 635
So, you borrowed from a bank $635 with interest rate of 1.95% per month
>$(635*1.0195)-(1100-360)=-92.6175
Voilà, Debt cleared by 2nd month.
The solution above is suboptimal if you can pay at anytime.
Assume X is days to your payday and Y is (30-X).
It's useless to made 2 payment to loanshark unless ,((1.95)/ (25/30)), your payday is 2.34 days from now.
So, do your own calculation
Assume Z= day elapsed from loan
Money that need to be borrowed from bank "KTA". Denote this as "A"
>$(1100*[1+{Z*(5/600)}])
Give or take, the interest payment you made to the bank will be around 3% of A under this scheme (1.95%/month)
>>
reuse chuddies
>>204679565
>>204679565
>>204679565
>>204679565
>>204679565
>>
not 300 yet
>>
>>204695194
>bank
she is blacklisted because pinjol.
mine has house credit (someone else paid it for us)
>>204695085
similar to me. I took more debt to gain a better income to pay the debt. But it was a disaster.
>>
>>204692157
kek
>>
>>204693592
Just mention @fufufafa maybe
Say /asean/ sent you in
>>
too early chuds
>>
still too early chuds
>>
Get a job monkey
>>
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I can't sleep
>>
reuse chuds
>>204679565
>>204679565
>>204679565
>>204679565
>>204679565



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