Andrew E's Song 'Alabang Girls' Can Teach Us a Thing or Two About Economics

[uls]

talaga?
were they sued by the brands that they ruined?
baka naman, perception lang yan at hindi naman talaga na-sira ang brands...

"ruined a lot of brands"

luxury goods that only the rich (people with pedigree) can afford

ngayon madami walang pedigree kaya bumili ng luxury goods

kaya ruined brands

haha

[uls]

... puro credit cards at walang cash...

that's not rich!
that's... mis-guided optimism!
heh heh.

doc madami mapera ngayon

[makelovenotwar]

A little OT...
Nasa S&R ako kahapon.
May lumapit sa akin na nag-aalok ng credit card.
Masaya na ako sa existing credit cards ko kaya tumanggi ako.

Our conversation:
Credit card guy (CCG): Sir apply ka na, may free headset ka na agad.
Me: Hindi na lang po, thank you.
CCG: Anong credit card gamit mo sir?
Me: Wala po akong credit card. Hindi bagay sa spending habits ko yan. (Yan na lang ang sinabi ko para tigilan niya ako)
CCG: Wow, doctor ka sir? Engineer?
Me: Ah hindi po.

Ang takeaway ko dun sa tanong niya kung anong trabaho ko ay iniisip niya na marami akong cash para hindi ko na kailanganin ng credit cards. Hindi ko kailangan i-installment yung mga appliances, gadgets, etc. na binibili ko.
In reference dun sa kay Andrew E., parang nabaliktad na. Yung walang credit card na ang mayaman.
(Of course, meron naman nung mga swipe lang ng swipe kasi sure naman na maraming pambayad)

Bata pa ako ay naturuan na ako kung paano "gamitin" ang credit cards to my advantage (rewards, discounts, rebates, installment, credit limit). I always use my credit cards whenever possible. Naging madali din sakin i-track yung expenses ko.

[Ry_Tower]

I mean they made the brands tacky

True story doc, I was in the mall with my shopaholic friend and I asked her if she wanted to go to X store. She said no because X brand e favorite ng mga (can't say the word here haha). then a group of loud girls wearing X brand passed by, nagkatinginan kami and I said to her "spot on" So some people have stayed away from brands they deem have become tacky. I think that's the reason why some brands are raising their prices to trim their customer base further. Hindi talaga maalis na some people like exclusivity. That friend of mine, she comes from a good background, the type that a man's mother would approve of, pero yun lang she's a closeted snob (and I think a lot of people are!)

That's where niche marketing makes a killing hehe

Profit margin is way off the chart.

[uls]

syempre

when barbarians start using brands cultured people use.. they'll move to other brands

cultured people don't wanna be seen using the same stuff barbarians are using

[_Cathy_]

A little OT...
Nasa S&R ako kahapon.
May lumapit sa akin na nag-aalok ng credit card.
Masaya na ako sa existing credit cards ko kaya tumanggi ako.

Our conversation:
Credit card guy (CCG): Sir apply ka na, may free headset ka na agad.
Me: Hindi na lang po, thank you.
CCG: Anong credit card gamit mo sir?
Me: Wala po akong credit card. Hindi bagay sa spending habits ko yan. (Yan na lang ang sinabi ko para tigilan niya ako)
CCG: Wow, doctor ka sir? Engineer?
Me: Ah hindi po.

Ang takeaway ko dun sa tanong niya kung anong trabaho ko ay iniisip niya na marami akong cash para hindi ko na kailanganin ng credit cards. Hindi ko kailangan i-installment yung mga appliances, gadgets, etc. na binibili ko.
In reference dun sa kay Andrew E., parang nabaliktad na. Yung walang credit card na ang mayaman.
(Of course, meron naman nung mga swipe lang ng swipe kasi sure naman na maraming pambayad)

Bata pa ako ay naturuan na ako kung paano "gamitin" ang credit cards to my advantage (rewards, discounts, rebates, installment, credit limit). I always use my credit cards whenever possible. Naging madali din sakin i-track yung expenses ko.

that's true. Back in the 90s status symbol talaga ang credit cards kasi very strict ang requirements when giving cards. I believe it was Citibank in the early 2000s that made CCs accessible to people because they were giving cards left and right, and so the birth of the call centers/collection agents para singilin ang past due accounts.

But I absolutely disagree na ang mayaman hindi nagca card. AFAIK sila nga ang hindi nagdadala ng cash.

[uls]

Our conversation:
Credit card guy (CCG): Sir apply ka na, may free headset ka na agad.
Me: Hindi na lang po, thank you.
CCG: Anong credit card gamit mo sir?
Me: Wala po akong credit card. Hindi bagay sa spending habits ko yan. (Yan na lang ang sinabi ko para tigilan niya ako)
CCG: Wow, doctor ka sir? Engineer?
Me: Ah hindi po.

Ang takeaway ko dun sa tanong niya kung anong trabaho ko ay iniisip niya na marami akong cash para hindi ko na kailanganin ng credit cards.

kasi sa pananaw ng lower socioeconomic class di kailangan mangutang mga mapera

[uls]

konte lang may credit card dati coz many pinoys are unbanked

tsaka madami kulang sa ID, walang permanent address... in short madami pinoy colorum

paano mo sisingilin mga yan

but as the economy grew, many entered the middle class... mga colorum naging legit na tao

[dr. d]

Our conversation:
Credit card guy (CCG): Sir apply ka na, may free headset ka na agad.
Me: Hindi na lang po, thank you.
CCG: Anong credit card gamit mo sir?
Me: Wala po akong credit card. Hindi bagay sa spending habits ko yan. (Yan na lang ang sinabi ko para tigilan niya ako)
CCG: Wow, doctor ka sir? Engineer?
Me: Ah hindi po.
.

what a coincidence.
that's exactly what i say to agents who insist i get their CC.

"i don't need it. i'm rich."
tahimik sila.

[dr. d]

konte lang may credit card dati coz many pinoys are unbanked

tsaka madami kulang sa ID, walang permanent address... in short madami pinoy colorum

paano mo sisingilin mga yan

but as the economy grew, many entered the middle class... mga colorum naging legit na tao

that's probably why G-cash et al are popular.
very convenient to use, and few questions asked.
timed perfect for the shopee/lazada era.

personally, i don't have such account.
i ask the members of my family, to pay for me.