THE PRACTICAL FILIPINO GUIDE TO DTI, RENTING, BUYING, AND BORROWING WISELY: An Expanded Reference Book on Debt-to-Income Ratio, Housing Decisions, Bank Parameters, Household Cash Flow, and
THE PRACTICAL FILIPINO GUIDE TO DTI, RENTING, BUYING, AND BORROWING WISELY: An Expanded Reference Book on Debt-to-Income Ratio, Housing Decisions, Bank Parameters, Household Cash Flow, and
Discover THE PRACTICAL FILIPINO GUIDE TO DTI, RENTING, BUYING, AND BORROWING WISELY: An Expanded Reference Book on Debt-to-Income Ratio, Housing Decisions, Bank Parameters, Household Cash Flow, and by RD Ramirez.
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After spending years working in the corporate world, RD Ramirez finally decided to pursue a lifelong passion for writing. They currently reside in a quiet suburb where they spend most of their time outlining new stories, reading extensively, and occasionally attempting to bake.
Good, but not quite perfect. I liked the main character, though some of the side plots were just okay. Not bad at all.
David AndersonJanuary 12, 2024
Finished it in a couple of days. I loved how the story unfolded. It kept me guessing without being too confusing. Glad I picked this up.
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Jacob GonzalezDecember 10, 2025
Finished it in a couple of days. I loved how the story unfolded. It kept me guessing without being too confusing. Worth the time and money.
John RobinsonJuly 01, 2024
I was pleasantly surprised. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
Karen ReyesDecember 15, 2024
Glad someone recommended this to me. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
David BrownDecember 20, 2025
Really enjoyed this one. I got really invested in the main character's journey. Everything just clicked for me. Will be looking for more from this author.
James AdamsJuly 02, 2025
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Will be looking for more from this author.
Amanda HallApril 22, 2025
Honestly one of the better books I've read lately. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Anthony GonzalezJanuary 09, 2024
A solid read. I liked the main character, though some of the side plots were just okay. A solid 4 stars from me.
Barbara MooreJuly 25, 2025
Took me a few chapters to get into it, but it was worth it. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Not bad at all.
Lisa LopezJanuary 27, 2025
Really enjoyed this one. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Will be looking for more from this author.
Kevin JonesJuly 17, 2025
Glad someone recommended this to me. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Linda HallFebruary 26, 2024
Finished it in a couple of days. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
Ashley ThompsonDecember 20, 2025
An average read for me. Some parts were interesting, while others were a bit of a slog to get through. A generous 3 stars.
Daniel ClarkFebruary 06, 2024
Honestly one of the better books I've read lately. I loved how the story unfolded. It kept me guessing without being too confusing. Will be looking for more from this author.
Karen GomezJuly 16, 2024
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Ashley CruzAugust 24, 2024
Finished it in a couple of days. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
Amanda WrightNovember 11, 2025
A solid read. I liked the main character, though some of the side plots were just okay. Still a good book.
Michelle MartinezMay 23, 2025
Took me a few chapters to get into it, but it was worth it. I liked the main character, though some of the side plots were just okay. A solid 4 stars from me.
Sarah CruzJune 03, 2024
I have mixed feelings about this one. It felt a bit repetitive in the middle. Could have been shorter. Probably won't read it again, but it was an okay way to pass the time.
James WalkerFebruary 15, 2025
Honestly one of the better books I've read lately. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Glad I picked this up.
Barbara BakerOctober 20, 2024
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
George GreenJune 14, 2025
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Definitely recommend it if you like this genre.
Daniel BakerOctober 11, 2025
I was pleasantly surprised. The writing style is very engaging. It’s easy to follow but still has a lot of depth. A solid 5/5 for me.
Thomas YoungMay 19, 2024
An average read for me. Some parts were interesting, while others were a bit of a slog to get through. Just right down the middle.
Melissa RiveraMarch 18, 2025
A solid read. Interesting premise and executed fairly well. Just a few slow chapters here and there. Enjoyable weekend read.
Richard TorresMarch 26, 2025
Honestly one of the better books I've read lately. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. A solid 5/5 for me.
Christopher LopezJuly 01, 2024
Honestly one of the better books I've read lately. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Amanda HallFebruary 16, 2024
I was pleasantly surprised. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
Michael DavisNovember 11, 2025
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Will be looking for more from this author.
Robert RobertsNovember 08, 2024
A solid read. It held my attention, even if a few things were a little predictable. Not bad at all.
Emily LopezOctober 07, 2024
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
Donna GreenMay 27, 2024
I was pleasantly surprised. I loved how the story unfolded. It kept me guessing without being too confusing. Worth the time and money.
Christopher GreenJune 27, 2024
An average read for me. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. Might work better for someone else, just wasn't completely for me.
Sarah CruzApril 14, 2024
A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Definitely recommend it if you like this genre.
Susan EdwardsSeptember 14, 2024
Took me a few chapters to get into it, but it was worth it. It held my attention, even if a few things were a little predictable. A solid 4 stars from me.
Karen ReyesMarch 20, 2025
Honestly one of the better books I've read lately. I loved how the story unfolded. It kept me guessing without being too confusing. Glad I picked this up.
Thomas GreenFebruary 26, 2024
Good, but not quite perfect. I liked the main character, though some of the side plots were just okay. A solid 4 stars from me.
Margaret RiveraApril 25, 2024
I was pleasantly surprised. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
Kimberly JacksonApril 25, 2025
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
George YoungFebruary 05, 2024
Pretty good overall. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Still a good book.
Kimberly ClarkMay 23, 2024
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. I'd probably recommend it to a friend.
Rebecca JonesOctober 13, 2025
Finished it in a couple of days. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Donna CollinsJuly 18, 2024
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
Mary PhillipsMarch 31, 2025
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Emily AllenDecember 28, 2024
A solid read. Interesting premise and executed fairly well. Just a few slow chapters here and there. A solid 4 stars from me.
Anthony GonzalezJune 11, 2024
It was okay. It felt a bit repetitive in the middle. Could have been shorter. Just right down the middle.
Joseph GarciaSeptember 20, 2024
Good, but not quite perfect. I liked the main character, though some of the side plots were just okay. A solid 4 stars from me.
George BakerNovember 13, 2025
I was pleasantly surprised. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
James ThompsonSeptember 05, 2025
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
George CampbellApril 04, 2024
A very satisfying read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Will be looking for more from this author.
Donald LewisMarch 17, 2025
I have mixed feelings about this one. It felt a bit repetitive in the middle. Could have been shorter. It's fine if you have nothing else to read.
Dorothy CarterSeptember 22, 2024
Good, but not quite perfect. It held my attention, even if a few things were a little predictable. Still a good book.
Barbara ClarkMarch 08, 2024
Good, but not quite perfect. It held my attention, even if a few things were a little predictable. I'd probably recommend it to a friend.
Michelle MartinezJuly 07, 2024
A very satisfying read. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
Paul EvansOctober 18, 2024
Not bad, but not my favorite. Some parts were interesting, while others were a bit of a slog to get through. A generous 3 stars.
Betty AllenApril 09, 2025
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
Donna GreenDecember 09, 2024
I liked it for the most part. It held my attention, even if a few things were a little predictable. I'd probably recommend it to a friend.
Kenneth WalkerJanuary 06, 2024
I liked it for the most part. I liked the main character, though some of the side plots were just okay. Enjoyable weekend read.
Brian AllenApril 11, 2025
Good, but not quite perfect. Interesting premise and executed fairly well. Just a few slow chapters here and there. Still a good book.
Kimberly JacksonFebruary 06, 2025
Honestly one of the better books I've read lately. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
Carol RodriguezApril 21, 2025
A very satisfying read. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
Barbara SmithJune 09, 2024
I liked it for the most part. The middle dragged a tiny bit, but the ending totally made up for it. Not bad at all.
William TaylorMay 19, 2025
A solid read. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Not bad at all.
Christopher LopezFebruary 23, 2025
A solid read. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Not bad at all.
Daniel BrownDecember 12, 2025
I was pleasantly surprised. I got really invested in the main character's journey. Everything just clicked for me. Definitely recommend it if you like this genre.
Christopher LopezJune 26, 2025
Glad someone recommended this to me. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
Linda PerezMay 07, 2025
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Linda ParkerDecember 01, 2025
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
Nicholas AdamsSeptember 12, 2024
It was just alright. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. Probably won't read it again, but it was an okay way to pass the time.
Barbara JacksonApril 15, 2025
A very satisfying read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. A solid 5/5 for me.
Daniel BakerSeptember 24, 2024
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Eric JacksonNovember 01, 2024
I liked it for the most part. I liked the main character, though some of the side plots were just okay. I'd probably recommend it to a friend.
Ashley NguyenSeptember 07, 2025
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
Kimberly PhillipsAugust 18, 2025
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. A solid 5/5 for me.
Laura ThompsonApril 14, 2025
Not bad, but not my favorite. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. Might work better for someone else, just wasn't completely for me.
Thomas WilliamsJanuary 17, 2025
A solid read. It held my attention, even if a few things were a little predictable. Not bad at all.
Melissa FloresMay 05, 2024
I liked it for the most part. It held my attention, even if a few things were a little predictable. Not bad at all.
Barbara JacksonSeptember 25, 2025
I was pleasantly surprised. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Will be looking for more from this author.
Michelle CruzAugust 05, 2025
Really enjoyed this one. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Would probably read it again at some point.
Melissa LopezJanuary 16, 2024
Honestly one of the better books I've read lately. I loved how the story unfolded. It kept me guessing without being too confusing. Worth the time and money.
Amanda TaylorApril 16, 2025
Honestly one of the better books I've read lately. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Worth the time and money.
Deborah GreenJune 22, 2025
Took me a few chapters to get into it, but it was worth it. It held my attention, even if a few things were a little predictable. Not bad at all.
Michelle CruzAugust 23, 2025
I was pleasantly surprised. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Definitely recommend it if you like this genre.
Brian RamirezFebruary 24, 2024
A very satisfying read. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
Donna PhillipsFebruary 02, 2025
Good, but not quite perfect. It held my attention, even if a few things were a little predictable. I'd probably recommend it to a friend.
Joseph NelsonJanuary 23, 2024
Glad someone recommended this to me. I got really invested in the main character's journey. Everything just clicked for me. Will be looking for more from this author.
Karen CollinsDecember 18, 2024
I was pleasantly surprised. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
Sharon ThomasJune 13, 2025
Took me a few chapters to get into it, but it was worth it. Interesting premise and executed fairly well. Just a few slow chapters here and there. Not bad at all.
Nancy SmithFebruary 13, 2025
Good, but not quite perfect. I liked the main character, though some of the side plots were just okay. Enjoyable weekend read.
Mark BrownJanuary 14, 2025
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
Nancy SmithOctober 08, 2025
Honestly one of the better books I've read lately. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Would probably read it again at some point.
Richard RamirezJuly 09, 2024
Honestly one of the better books I've read lately. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
William TaylorJanuary 15, 2024
I have mixed feelings about this one. Some parts were interesting, while others were a bit of a slog to get through. A generous 3 stars.
Paul HillApril 08, 2025
Really enjoyed this one. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
Sandra ParkerMay 06, 2025
Not bad, but not my favorite. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. Probably won't read it again, but it was an okay way to pass the time.
Steven RobertsFebruary 09, 2024
Really enjoyed this one. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
George YoungMarch 26, 2024
I was pleasantly surprised. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Would probably read it again at some point.
Jessica ThompsonMarch 17, 2025
I was pleasantly surprised. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. A solid 5/5 for me.
Karen TurnerAugust 06, 2024
Took me a few chapters to get into it, but it was worth it. The middle dragged a tiny bit, but the ending totally made up for it. Enjoyable weekend read.
Jessica GomezMay 14, 2024
Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Glad I picked this up.
Donna PhillipsFebruary 21, 2025
I was pleasantly surprised. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Definitely recommend it if you like this genre.
David BrownJanuary 21, 2025
Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Glad I picked this up.
Gary WilliamsMay 13, 2024
A very satisfying read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Linda ParkerSeptember 13, 2025
Took me a few chapters to get into it, but it was worth it. The middle dragged a tiny bit, but the ending totally made up for it. Enjoyable weekend read.
Eric AndersonOctober 13, 2025
Glad someone recommended this to me. I got really invested in the main character's journey. Everything just clicked for me. Definitely recommend it if you like this genre.
Ashley NguyenNovember 26, 2025
Good, but not quite perfect. The middle dragged a tiny bit, but the ending totally made up for it. I'd probably recommend it to a friend.
Dorothy LewisJuly 07, 2024
Such a great read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Definitely recommend it if you like this genre.
Jessica WalkerJune 05, 2025
A solid read. Interesting premise and executed fairly well. Just a few slow chapters here and there. A solid 4 stars from me.
Mary GreenFebruary 02, 2025
It was okay. It had some good moments, but the overall plot felt a bit disjointed in the second half. Just right down the middle.
Paul BakerDecember 23, 2025
A very satisfying read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. A solid 5/5 for me.
Charles WhiteApril 19, 2024
Not bad, but not my favorite. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. A generous 3 stars.
Gary TurnerOctober 13, 2024
I liked it for the most part. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Enjoyable weekend read.
Jessica MillerDecember 02, 2025
Really enjoyed this one. I got really invested in the main character's journey. Everything just clicked for me. Definitely recommend it if you like this genre.
Thomas TaylorJune 30, 2025
I was pleasantly surprised. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
Donald GomezSeptember 10, 2024
Finished it in a couple of days. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. A solid 5/5 for me.
Paul YoungMarch 21, 2024
Glad someone recommended this to me. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
Emily AllenJuly 18, 2024
Honestly one of the better books I've read lately. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
Barbara JacksonAugust 07, 2025
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Thomas NguyenJuly 16, 2024
Good, but not quite perfect. Interesting premise and executed fairly well. Just a few slow chapters here and there. Not bad at all.
Donna PhillipsFebruary 18, 2024
Finished it in a couple of days. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
Nancy AndersonMarch 17, 2024
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Laura SanchezNovember 10, 2024
A solid read. It held my attention, even if a few things were a little predictable. A solid 4 stars from me.
Mary EvansJuly 25, 2025
Really enjoyed this one. I got really invested in the main character's journey. Everything just clicked for me. Definitely recommend it if you like this genre.
Sandra CampbellJanuary 18, 2024
Honestly one of the better books I've read lately. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
Rebecca JohnsonOctober 19, 2024
Really enjoyed this one. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
Karen JohnsonMay 19, 2024
Honestly one of the better books I've read lately. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Dorothy CarterNovember 06, 2025
I was pleasantly surprised. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Worth the time and money.
Linda HallApril 06, 2024
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Margaret JohnsonOctober 21, 2025
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Richard WrightAugust 02, 2025
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
Christopher LopezSeptember 09, 2024
Such a great read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Will be looking for more from this author.
Ryan ClarkJanuary 25, 2025
Really enjoyed this one. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
Melissa HernandezJanuary 08, 2025
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Jessica GomezJuly 25, 2025
I was pleasantly surprised. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. A solid 5/5 for me.
Thomas SmithDecember 31, 2024
I was pleasantly surprised. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
Nicholas ClarkJanuary 28, 2024
A very satisfying read. I loved how the story unfolded. It kept me guessing without being too confusing. Glad I picked this up.
Michelle MartinezJanuary 19, 2025
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
Dorothy LewisNovember 04, 2025
I was pleasantly surprised. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Would probably read it again at some point.
Kevin GonzalezNovember 02, 2024
Really enjoyed this one. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Definitely recommend it if you like this genre.
Karen CollinsFebruary 02, 2024
I was pleasantly surprised. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
Melissa SmithNovember 06, 2024
Took me a few chapters to get into it, but it was worth it. I liked the main character, though some of the side plots were just okay. Not bad at all.
Emily ParkerJuly 08, 2025
I have mixed feelings about this one. It had some good moments, but the overall plot felt a bit disjointed in the second half. Probably won't read it again, but it was an okay way to pass the time.
William ParkerSeptember 09, 2024
It was just alright. It felt a bit repetitive in the middle. Could have been shorter. It's fine if you have nothing else to read.
Deborah DiazNovember 13, 2025
It was just alright. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. Just right down the middle.
George NelsonSeptember 11, 2024
Pretty good overall. The middle dragged a tiny bit, but the ending totally made up for it. Enjoyable weekend read.
Dorothy GonzalezFebruary 22, 2025
I was pleasantly surprised. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
Lisa EvansJuly 23, 2025
I liked it for the most part. Interesting premise and executed fairly well. Just a few slow chapters here and there. A solid 4 stars from me.
Jacob AllenNovember 23, 2025
I have mixed feelings about this one. It felt a bit repetitive in the middle. Could have been shorter. Just right down the middle.
Robert ClarkJuly 28, 2024
I liked it for the most part. I liked the main character, though some of the side plots were just okay. I'd probably recommend it to a friend.
