S&R The Costco Of The Philippines! We spent a Fortune

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S&R The Costco Of The Philippines! We spent a Fortune

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Күн бұрын

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In This Video S&R The Costco Of The Philippines! This is Huge For Us, we have heard so much about this place and now we get to go!
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Two years ago we made a plan we Sold Everything & Now Living In The Philippines On A Budget in 2022, we had paid our debts, sold everything and made a budget. Its been a crazy journey from Cambodia to Albania then here in Boracay, check out why we moved to the Philippines and specifically why Boracay Island.
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@BiancaBeyond Жыл бұрын

WE HAVE A NEW CHANNEL! www.youtube.com/@thatssointeresting Subscribe Please

@troychambliss784 10 ай бұрын

WOW! Why aren't they subscribing ? I actually enjoyed your personalities. Maybe when I turn my Facebook back on I will get you some subscribers. Anyway 😂😂😂😂😂 I just subscribed. I was wondering if you've visited Negros Island 🏝️. Bacolod is a very fast growing city. I wish you luck 🤞 & success 😊

@troychambliss784 10 ай бұрын

✓ SUBSCRIBED JUST NOW 😅

@galaxyA-mv8xo 10 ай бұрын

Hahaha. Hey.. Already i did....

@ryandibernardo7285 9 ай бұрын

Subscribed, and this was a very helpful video. Thank you.

@BiancaBeyond 9 ай бұрын

@@ryandibernardo7285 thanks so much!!

@ChrisKamanYourMouth Жыл бұрын

The name "S&R" stands for American businessmen Sol and Robert Price, founders of Price Club and PriceSmart. Price Club merged with Costco in 1993. 😀

@bayareatanders Жыл бұрын

They sold it to the owners of Puregold so they now control all the S&R in the Philippines.

@ChrisKamanYourMouth Жыл бұрын

@@bayareatanders Yes, you are correct, however, my point on why S&R is similar to Costco is because it originated from Price Club and Costco.

@User5260jo Жыл бұрын

We used to shop at Price Club which eventually turned into Costco. We still shop at Costco

@man4YAWEH454 Жыл бұрын

@@bayareatandersk so now I am confused,lol. Price club merged with Costco and then sold off P.C. to PureGold?

@joycelebrilla2023 Жыл бұрын

oh , you re at Iloilo s and r

@Deltadawg Жыл бұрын

This has been my fav vlog from the Philippines in a very long time. I don’t know why more vloggers don’t show shopping videos WITH THE PRICE of items. It’s very helpful for people moving there. Please keep doing videos like this. Thumbs up from me!

@christiansilla1399 Жыл бұрын

its so funny when Michael said "For the guys who are married, Don't bring your wife in here". lol.. Thanks so much for the tour.

@rexsandiego7135 Жыл бұрын

I just came back from Philippines and one thing I noticed is the taste of Chicken is better than here in the US. Here in US you can taste the antibiotics they given the chicken specifically In Costco rotisserie chicken.

@MoonAboveStars Жыл бұрын

Grilled checkin or lechon manok is more tastier here , it's just simple seasoning and spices lemon grass makes more aroma.

@LtDave Жыл бұрын

Yes, I noticed the same thing when we purchased USDA grade chicken imported from the States at a few pesos cheaper per kilo. It was bland compared to Filipino supermarket chicken.

@theadventuresofaplainjane2504 Жыл бұрын

I hate shopping but watching others shop and comparing prices is oddly entertaining. Bianca looked like a kid in a candy store 😅 Thanks for the video!

@bobbyreyes1997 Жыл бұрын

Looks like more availability than the S&R Dau in Angeles where I go to. I used to go to Costco for lunch while shopping, free samples, and hotdogs! I've never left S&R or Costco with less than a fully packed cart, with usually a pizza on top.

@stephenbordenave6893 Жыл бұрын

My wife and I are in S&R 2 to 3 times a week. It is one of the biggest perks of living in Iloilo! They will be opening a Landers within the next few years near Festive Walk. With those two superstores, who wants to live anywhere else in the Philippines. lol

@apinezstats2237 Жыл бұрын

uhhh- probably in Cebu, Cavite, Laguna, Batangas, Pampanga and other more developed provinces with more than 2 superstores?

@wobbles47 Жыл бұрын

Dumaguete with thousands more expats than Iloilo still doesn't have decent shopping.

@timsretirementjourney8323 Жыл бұрын

Yes we've had our S&R card for about a month and a half now and when I want something we can't get at Robinson's or SM Supermarkets we go there. All 3 are about a 10 - 12 minute walk from our condo, but for almost everything both other supermarkets are much cheaper. 😊 I've been in that one in Iloilo a few times, and in my opinion (just from watching this video) it's bigger and has a lot more than ours in San Fernando (Pampanga). 🤔

@PhilippinesFarmLife Жыл бұрын

Identical layout and color scheme to a USA Sams club. Look for Discounted items that have been reduced because food item is soon to expire in most cases. Still perfectly edible. Huge huge discounts. We bought 100% Maple syrup for less than $2

@mmirafuentess1990 Жыл бұрын

S&R and Landers were life savers when I was in Cebu this year. Yes, bring your patience with you. Don’t wait for the bagger to packed your merchandise in boxes for you. Do it whilst the cashier is scanning your items. Thanks for sharing your video.

@oh_emm278 Жыл бұрын

Filipino s not used to it though landers and Snr is like Costco or western groceries and dont use cellophanes so you have to ecobag and boxes and they foriengners so they are used to self check-outs ..

@mmirafuentess1990 Жыл бұрын

@@oh_emm278 we all can start to learn, plastics are detrimental. We need to start to remind ourselves to how we can leave earth less messy or dirty for our younger generations. I have been bagging 90% of groceries here and nearly all the time in PI (this is mostly done with my right hand (though I’m left handed) because my left shoulder and left arm are injured since 2004).

@joeblow3939 Жыл бұрын

When buying bath towels, get the thinnest towels you can. Quick absorbing and quick to dry. Heavy towels take for ever to dry. 👍👍

@lesliegove5953 Жыл бұрын

So excited about this moving ☺️ First one to like this video Yeyyyy🎉

@kenrice Жыл бұрын

The Philippines has two membership bulk stores similar to Costco's and Sam's Club. Besides S&R in the Philippines there is also another bulk store called Lander's. Both of these membership bulk stores sales Kirkland products.

@debralarrabee4530 Жыл бұрын

Y’all made quite the haul at S&R. and of course the most important purchase of all - the AC’s. Thanks for these videos. Peace out 👍

@thethirdiii Жыл бұрын

Good move for choosing SNR..mostly the price there is wholesale or promo..big sale discount compared to other grocery stores even their is membership fee yearly but it's worth it and of course mostly imported goods..

@florezjesse4739 3 ай бұрын

Yeah, expect to spend around 10 grand because you buy in bulk.

@MeMyselfAndTouYube Жыл бұрын

This was a surprisingly interesting video. Bianca makes everything so much more beautiful. The type of girl who lights up the room.

@Jekmyster Жыл бұрын

yeah, this is relatable. We do our once-a-month grocery shopping at S&R too. The average monthly bill is around 25 also. I miss the old days when we do our grocery at Unimart up in Greenhills where 10k would buy you 4 carts full of groceries. Now a basket will already cost you more than 5k.

@SkepticTemplar Жыл бұрын

Not really. Last time i went grocery shopping at Unimart, I was able to stock up a large cart with groceries and frozen goods. I live in Greenhills by the way.

@afvet5075 Жыл бұрын

Wow. I spend around 8000 pesos in S&R and I thought that was alot. I guess I am a poor American. The PI used to be a place where expats could afford to live. Man where do these people get all this money?

@Jekmyster Жыл бұрын

@@afvet5075 you can live comfortably in the philippines with a lot less. These places like S&R are luxury places. Your paying for convenience. You can easily go to your local market and pay much less. Not to mention food items go down in price the farthe you are from a city like metro manila.

@oh_emm278 Жыл бұрын

@@Jekmyster its not that SNR is more expenssive than other local Supermaket , groceries its just that everything in SNR is big sizes or bulks and you can actually save a little bit if you buy bulk than buy just 1 in other groceries .. and meats in Snr is a little cheaper than other groceries .

@oh_emm278 Жыл бұрын

@marclarochelle6590 Жыл бұрын

Hi guys; When you moved from Boracay to Iloilo you passed by our home in Patnongon. We have some farmland and a house there. Looks like you guys are having fun there. It’s -20 here tonight. Too cold here. (Saskatchewan)We have some American friends just outside Iloilo. (Texas Filipino) Take Care Marc & Cathy 🇨🇦🇵🇭

@theupsidetv2007 Жыл бұрын

Thank you so much for this video. Thank you for taking us along. Loved your video.

@evd549 Жыл бұрын

Just a bit of a tip theres a grocery store in Festive Walk Mall in the building beside the Parking Garage, and I think they got other types of meat from like Italy and other countries last time I went. I even made some carbonara with guanciale, but they cycle through their products every couple of months. Same vacuum sealed packs as the one in 13:00 Some of it will be pricey but its definitely harder to find alternatives unless another company steps up lol

@maraelaiza Жыл бұрын

I think you’re referring to The Marketplace

@royabdon4737 Жыл бұрын

That's a huge haul. I've been a member since 2012. Our 1 receipt record is for 55k when we got the storage shed. We have SNR and Landers in BGC.

@timmytimers9511 Жыл бұрын

Thanks guys, you have restored my faith in shopping in iloilo. getting exited now at the thought of living in iloilo. Sablogon near Passi city..

@marcusgraham9478 Жыл бұрын

I'm a member and go to Costco here in Sydney, S & R looks very similar as you have described and as you stated not everything is cheaper but It looks like a place to go , dare I say modelled on Costco.

@bornonjuly7052 Жыл бұрын

Bianca beauty is superb a mix of half Filipina and a white Canadian.

@aril2395 Жыл бұрын

S & R definitely has more food court to choose from. Than US Costco food court. Just subscribed to you guys. Great content. Looking forward to more. I might just move back Happy Holidays

@dogumentarytv6413 Жыл бұрын

S&R is partially owned by Costco that's why the resemblance notice they sell some Kirkland brands just like Costco

@rtmacabio Жыл бұрын

S&R and Landers sell a lot of Costco/Kirkland products. The items in Costco that come in a 2 or 3 pack are sold there per item. My joke to the Mrs is that you can get everything you want from the states for half the amount and twice the price. Sometimes you can catch a good sale, but for the most part you are going to pay a premium for the imported products. Unfortunately, these stores are not affordable for the average Filipino family.

@davidtolentino4358 Жыл бұрын

Thanks for sharing , may you have a very happy Christmas and a joyous new year. And a very great good health for both of you. God bless. EH !!

@michaelcrist4485 Жыл бұрын

You should try the pizza . It is my favorite item to eat at S&R. Specialty Western food is great to get at S&R, but your meat and veggies are much better at the local markets. They have twice a year huge sales that are great to stock up on supplies. You just need to watch out for these sales. You can get 50% off on many items. Just expect huge lines and a day long event during the sales.

@BiancaBeyond Жыл бұрын

We saw they have stuffed crust and knew we had to have a day where we just try that because we love stuff crust pizza!!

@angelicashley Жыл бұрын

I think S&R is designed more to cater imported bulk food and produce from US. Because there are many big malls in the PH where you can buy anything and everything, the Appliances are more found in variety and quantity in SM stores. Versus compared to Canada that has lesser and smaller malls, i think Costco there is more for one stop shop. You didn't try the pizza, they are big and good just like NY pizza.

@oh_emm278 Жыл бұрын

Yes ! SNR or the company name before it was SNR i forgot the name is the first to venture in PH to open this kind of store and later bought by Puregold company a big local grocery too in PH and rename it as SnR ,that company also is a competitor of Costco and later merge with costco ..

@angelicashley Жыл бұрын

@oh_ emm yes thanks, it was called S&R Pricemart before. But now it's S&R Membership Shopping. 😊

@EzekielDeLaCroix Жыл бұрын

Just saying, the fact that it takes a long time to process is an Ilonggo thing in general. Everyone is a bit slower here. I was at first of course taken aback when I returned from other places and was kind of frustrated that we are a slower people, but when I brought a foreign friend here who noticed it and said it was actually a good thing, because it means the workers are relaxed and not over-stressed, it really opened up my perspective and I'm actually more tolerant of the slower processing here now. But I'm not tolerant of people being late. If you promise you're going to be there or do it on a certain time, keep your word. You can be slow, but not late.

@evaristods8747 Жыл бұрын

I'm a senior citizen subscriber. I've never been to S&R altho my wife is a member. This vlog made it as if I've been tagged along by you guys. Really enjoyed this favorite couple Bianca & Michael. Thnks so much and take care always.

@BiancaBeyond Жыл бұрын

So great to hear Evaristo!

@michphil2006 Жыл бұрын

Thanks for the video!It gave us the idea what do they have there.I think for produce & meat products you are better off in Wet Market/Local market esp. the one we called Super Market.That’s where the majority of other local or town markets vendors bought what they are selling in their respective towns.When it comes to seafood,you will get a better deal if you can come early in the Fishing Port Complex.I grew up in Iloilo but lived now in Alaska.I enjoy watching your vids since I’ve never been home for a long time now.Enjoy Iloilo you both!

@bobbanks7275 Жыл бұрын

That looks like a awesome place to shop and eat. I would definitely spend hours in there. Thanks for sharing Michael and Bianca. 😊👍

@JasperinthePhilippines Жыл бұрын

The Kirkland almonds and things like that are going to cost over double imported things in the Philippines are actually much more expensive but other things are going to be much cheaper it balances out

@SkyleLitz Жыл бұрын

The set up of the shelves and aisle,the foods and product packaging,the company color scheme looks exactly the same like the Sam's Club Membership than Costco in the States.

@ebayani9936 Жыл бұрын

I am envious! I am a Filipino descent living in the US and longing to visit the Philippines! I hope to visit maybe when I retire!

@LoveUnboxxing Жыл бұрын

Why envy if you can shop at Costco Take it easy save you’re paycheck and build retirement and you can relax when times come.

@WWE2KUNIVERSEELITE Жыл бұрын

Dont buy air conditioning if it's not an inverter it will bite you in the bum with your electricity bill if you live in the PH.

@kman4494 Жыл бұрын

For aircon, I would have gone with Panasonic... proven quality.. for appliances, I suggest going to Imperial Appliance there in Iloilo...

@nengg4835 Жыл бұрын

hi Mike and Bianca, S&R is part owned by costco, thanks for showing the video,hope they have one in Bacolod City someday,take care you too!

@BiancaBeyond Жыл бұрын

We were wondering!

@emconsolacion7950 Жыл бұрын

Shoveling of S and R will start next year by Bredco port business district, Landers is another one by Megaworld, in smile city

@loulou55... Жыл бұрын

what's the problem...?? it's not even 1 hour ferry ride Bacolod to Iloilo with a Fastferry. Take a cab from the port to S&R for maybe 150-200 Pesos and go for shopping. easy peasy... 😀😎

@archelle18 Жыл бұрын

Subscribed and did not skipped ads for this video to help out 😄

@johnwalker7439 Жыл бұрын

Guys, I can recommend the yellowtail wines, especially the whites, nice Aussie wines , and thanks for the tour of S&R, my wife now wants a giant teddy bear when we return to CDO City...my nieces also damnit heheheh greeting from Darwin Australia and thanks for your great vids, both of you take care

@abramsphilippinevlog Жыл бұрын

S&R is fantastic for buying foreign stuff. They also have a phenomenal gluten free selection for any of your viewers with celiac’s disease!

@gotaplay Жыл бұрын

Yes , although they are not part of Costco they sell " Kirkland " products

@rickrogue6993 Жыл бұрын

"You play tetris?" Bianca is a spatial genius! Hahaha.

@maclovioberumen1917 Жыл бұрын

Yea Thanks for showing me around and I didnt even get tired. Lol!!!

@1968CudaGuy 9 ай бұрын

I had to download this video in high resolution so I could watch for prices on items as you scanned thru the isles. Very helpful!! New subscriber!!

@landrodomingo981 Жыл бұрын

Try Landmark which is also a huge box store to buy bulk including imported luxury food, fruits, vegetables, coffee, drinks, alcohol, seafood and meat items. 😀

@cdl6953 Жыл бұрын

You can make a suggestion to them of what they don’t have and maybe they’ll start stocking them in the future? So much fun to shop in a place like this. But the total cost 🥴

@revelinagarcia2539 Жыл бұрын

You're looking at the same prices here in Canada for sausages and meat. I bought meat for roasting and it was hard to find below $20.

@wintersojourn9356 Жыл бұрын

@Revelins Garcia Same here 🇺🇸, Michael’s assessment in his summary was accurate; prices comparable to USA, ie whole chicken $8.99 @ Walmart. So maybe dollar less in S&R currently. & like other commenter noted, there are occasional sales, but @ least for meats, not super discounted😕

@ronniesolomon9625 Жыл бұрын

Your vlogs are not boring. I wish you happiness as couple vloggers and not end up separating ways🙏. The food you showed looks delicious👍🇨🇦🇵🇭. Thank you for the tour.

@loulou55... Жыл бұрын

We were at S&R Iloilo around 11am yesterday. Luckily we weren't behind you at the checkout... 😅 Chicken baked roll my favorite too... 😋

@MrEijoha Жыл бұрын

You should be cearful with the smoked meat there, eat it right away, I lost thousands on it, its overdue date and get broken the day after. Hope you take a review on it, so we know if it's eatable agian! A lot of foreigner have complained about it.

@robertcallahan9275 Жыл бұрын

That S&R looks a lot better then the one we have here in Cebu

@user-bx6lp8cu8b Жыл бұрын

That’s what I go shopping every time we go home to the Philippines..

@elainecaballero2342 Жыл бұрын

I miss Iloilo, it's my hometown. Hope you will enjoy your new life there! God bless! ❤️🙏

@mervyfaith4876 Жыл бұрын

Bianca's reaction everytime she sees a life size teddy bear 😍

@djdecimator97 Жыл бұрын

is she a half filipina?

@deadsilent339 Жыл бұрын

The s&r location is in iloilo city the language of the locals speaking hiligaynon

@kitchienadal8904 Жыл бұрын

I'll be waiting for the compilation of Bianca doing all the "oh's, and ah's" bit. Haha

@norcalpinoy9618 Жыл бұрын

Life in the Philippines you won't feel life is meaningless and living here in north america sometime i feel so empty especially when I'm alone but i feel safer here and i have privacy. There are always cons and pros on both sides.

@helenoharawhite7704 Жыл бұрын

Great shopping haul guys ♡ Love Costco and bulk laundry products & toilet rolls are my staple buy ha ha ha. So much cheaper in bulk. But did you remember and get the COFFEE FILTERS?? I hope so folks - or u might need to go back !! Could be costly. So glad u managed to get a good shopping trip done xxx

@Dennis-fg5sd Жыл бұрын

Check out Landers as well it’s more upscale than S&R

@kjata77 9 ай бұрын

In my 46 years of life I have never seen anyone eat a chicken wing that way, what tha?! [just had to mention the wing thing] Are S & R stores pretty common in the cities across the islands? It was reassuring to see the "American" brands there (gotta have my Heinz ketchup, lol, but truly) and the prices. I'm 'getting rid of' my stuff here in the USA, FL, and spending the next 14-18 months preparing to move the the Philippines potentially (also considering Saipan). These channels & videos do many of us a great service, thanks! Visiting a place is not the same as knowing the ins-and-outs as a resident, obviously.

@steveperyer4850 Жыл бұрын

Sure looks like a Sams Club, or Costco.

@akosirolandr Жыл бұрын

Wow their food looks amazing and reasonable compared to our Costco here in Socal. I wish we have clam chowder, garlic parmesan fried chicken, and pasta. Thanks for the video.

@LoveUnboxxing Жыл бұрын

Not really I been to S&R at BGC taguig ain’t that complete also don’t look the price compare here Costco here

@fledglingcrafter Жыл бұрын

I love SNR, but recently prices have reached 500 for a product.... if you buy meats, the New Zealand or Australian is better since the other local brands are tougher actually.

@darren3179 Жыл бұрын

Wish they would open an S&R somewhere in Albay

@kaeminie13 Жыл бұрын

Just went to snr in iloilo yesterday when they opened for the day and now i’m watching your vlog with attention like I haven’t seen it before hahahaha

@wintersojourn9356 Жыл бұрын

@k 😆😆😁

@carlomartinlehaney7077 Жыл бұрын

Yall guys are awesome its nice to know yall enjoyed shopping in S&R yall may want to try Landers its the same style like S&R and Costco

@markdaruca2747 Жыл бұрын

Wait till discover Puregold. That could be the costco in Philippines

@janetlatoja Жыл бұрын

Enjoy Iloilo! my city of love..Living Swiss for 12 years and miss Ph a lot 🇨🇭🇵🇭 ❤️

@JasperinthePhilippines Жыл бұрын

Try landers if they have one there

@joewaz100 Жыл бұрын

I just bought my in laws a mini split.. I believe it was 35k.. Good thing about mini split is you are not limited to window size and they're a lot more energy efficient than window units.

@robertp.7090 Жыл бұрын

We don't have an S&R here in Bacolod....your video both excited me over the food choices but absolutely terrifies over the money I'll spend when S&R comes to town. How did you get all that stuff home, did you rent a truck?

@LuvMyLilBabe Жыл бұрын

I think if you go to Cebu or Manila S&R they have a lot more options there. I wanna see you guys going to the wet market next, that be fun! 😂

@loulou55... Жыл бұрын

Generally no. but yesterday I noticed that they had very little choice of pork, no pork steak, cutlet, pork chops or tenderloin, disappointing. the sausages in Manila are from another supplier (maybe Säntis Deli/Euroswiss Food) and looks much better than here in Iloilo.

@Banzkie Жыл бұрын

blessedSunday guys

@ChamPion-gu3jd Жыл бұрын

Costco is part owner of S&R

@mariasvlogs8513 Жыл бұрын

The bacon and sausages is about the same price in Vancouver. All the meat here has gone up like $3 more

@Phil-Am_in_the_Philippines Жыл бұрын

Thats awesome. Thanks for showing us around. Cant wait to go there.

@frisc0pn0ib0i Жыл бұрын

Actually doing a lot of research, S&R IS part owned by Costco.

@susangmach9982 Жыл бұрын

Miss that place greetings from Vienna

@bassboosted9708 8 ай бұрын

Awesome. S&R is cool. Lander's BGC is also a nice supermarket. Cool video.

@BiancaBeyond 8 ай бұрын

brand new Landers under construction in Iloilo now also

@user-uv8mn7gz5b Ай бұрын

We can save by buying wholesale meat like 22 kg of pork or 15 kg of chicken. It's much cheaper than buying in public markets.

@robertl2227 11 ай бұрын

Instead of a treadmill try a stationary bike while using computer desk. They have special bikes that fit under desks for $200usd. Walking or running while typing is harder than cycling

@geraldinewozniak127 Жыл бұрын

I don’t know why YT showed me your video but thanks God I watched it! Thank you guys!

@renelyncansancio6869 Жыл бұрын

I saw you both yesterday at SnR, Sweet Couples 💗

@acaciomadeira5147 Жыл бұрын

Corn fed finished beef is just better beef, it fattens them up giving better marbling in beef a cow will always eat corn over fresh grass If they have the choice. S$R if they have u.s. or Canadian beef looks like one really good thing for beef. New Zealand or Australian beef suck very lean meat and and barely any marbling. Good show thanks for the shopping trip

@NickLea Жыл бұрын

I'm very late to this video. But to answer your question at 14:19 , that specific brand of cheddar cheese that was $9 sells for US$4.88 in Walmart.

@Kathygale Жыл бұрын

Thank you very much for this very helpful informative video!

@ricmanalo434 Жыл бұрын

What i love in s&r is their pizza and so many free tastes that you won't feel hungry

@ivenzon5863 Жыл бұрын

I order online fr Costco biweekly They do same day delivery (free of delivery charge) in Manhattan

@charlesstanfa3969 Жыл бұрын

Great video thank you very much ,I wonder if you can get big cans of san Manzano peeled tomatoes to make pasta sauce, and butterfly turkey breast there

@REYMARK__AMATA Жыл бұрын

Advance Merry Christmas guys

@jovanessavf164 Жыл бұрын

Yes, all the local markets are being renovated.

@froilananthony7391 Жыл бұрын

cool S&R yeah costco of the philippines actually

@normaortiz5950 Жыл бұрын

I love grocery shopping video and i enjoyed this one so much👍

@billyray6329 Жыл бұрын

Awesome vlog enjoyed it see on the next one

@mickeymouse7529 Жыл бұрын

For a westerner who’s used to a particular lifestyle every time I go to SnR I spend a lot too 😅 love that place

@mattchapelle5611 Жыл бұрын

Costco and the like have become a big phenomenon, wish I bought some stock when it was $100 a share! These types of warehouse clubs tend to make people spend more then they can afford and is being recognized by financial advisors as a hazard to people's credit.