Metrobank for me. Around 1 year after I started working I signed up for a basic NAFFL card. Got approved even if I didn't have a deposit account with them at the time. One year later they sent me another card, Toyota branded naman
Yes, better to develop your own system that works for you. But when it comes to making risky investments, I think it's always best to invest only as much as you're willing to lose, kaya masaya talaga ako sa cost averaging
If you want to play conservative I would say 1 year after election just to see the impact of his policies. Mahirap yung puro announcement pa lang ng appointments unless you have a good risk appetite and are willing to play the short term game. Matrabaho but if it works for you, it works for you