Ben.Dover

On 5/10/2023 at 9:00 AM, abduljackolsalsalani said:

Yun nagsasabing free lifetime ang credit card, after Ilan years nagchacharge na ulit ng annual dues. This was my experience with HS@C. 

depende mostly sasabihin nila free for the 1st year. mostly itanong mo din clearly sa kanila. 

Sa unionbank ko na cc more than 5 years na walang annual fees. since offer nila sa akin yung cc na 1st MC at VI. at na offer lang nila ito sa aking since good credit standing ako.

Versace on the floor - Bruno Mars

Maraming youtube for financial advices but mostly summary:

1. Before mag invest sa stocks or anything save up muna ng emergency money minimum to 6 months
2. before din mag invest as much as possible bayaran mua utang
3. kung plan kung para saan ba yung investment

Inaapply ko yung mga advices nila. Dinagdagan ko lang ng nililista ko lahat ng gastos ko para dun ko nalalaman kung saan napupunta pera ako at kung ano yung pwede tanggalin sa gastos sa oras na kagipitan.

Maganda sana sa skwelahan pa lang tinuturo na Financial Education siguro bago maggraduate sa college

Brave. 

Zero - Smashing Pumpkins

basta hindi sa corporate, company or business settings. 

Yung pinagsabihan mo tao sa maling gawain. Ikaw pa yung pagagalitan at lalaitin. 

if you still choose to do time deposit Tonik digital bank has the highest interest rate as of writing

Outlander 

Vice Ganda. yung comedy nya manglait ng tao pero pagsya yung pinuna napipikon.

Mga tunay comedian kaya tumawa pag minsan pinupuna sila

rollercoaster. extreme ups and downs.

kjwan.

kakilala ko: anak ng kalungkutan

oslo

Suggest mag PagIbig MP2 instead of time deposit. dati na ako nag time deposit maliit interest mataas lang konti sa savings. 

MP2 is lockin 5 years and at annually ang dividend last year 7.03%. Safe din yung pera mo 

unionbank cc platinum cards more than 5 years now. no annual fees. and no need to call service agents to remove annual fees

I  use my cc like a debit card. to collect points for cashback.

any in manila?

sa mga pila sa mga gov't documents. ok ako at kahit sino kaya ko makausap at makilala. Pero pag blind date haha sobrang awkward ko.

Yes lalo na pagbagong ligo. since I am living alone no problem to be fully naked even when sleeping. 

Discover a relaxing and comfortable feeling yung nasa overseas ako. Ako lang sa room ko for 2 months siguro maganda din temperature that time.

Paraluman - Adie

I heard Ramona sing - Frank Black

Here are my experiences in Metro Manila:
1. PLDT (Pasig)- more than 10 years with my parent's house. Generally ok connection.

Main problem sometimes you need to restart the router because sometimes there is no connection. Worst problem was last 2 weeks of December there was connection problem because hardware issue setup outside and took then January to fix it. It also 2 weeks complaining from going to the branch offices, landline call, email, and FB  Messenger.

Planning to disconnect the internet and leave the landline number intact.

Also a concern is that if you buy or have a WIFI mesh that is not from PLDT it would not work or you need call PLDT to be able to use it (Not sure just based on experience).

2. Sky (Mandaluyong/Pasig) - more than 5 years. Was my main ISP in Mandaluyong since last year. Good connection sometimes speed drops.

There is a service advisory when there is maintenance. It is rare if there is a disconnection. The issue is contacting their service center no more landline number mostly via email, fb messenger, or twitter. So if you are not tech savvy you will have hard time contacting their service center.

Notice that when using VPN for work and personal VPN sometime it disconnects to the internet.  

3. Converge (Mandaluyong/Pasig) -  less than a year. now my main ISP in Mandaluyong and backup in Pasig. Good Connection since new and seldom in Pasig not have notice any issues yet.

Compare to other router it has a wider range. No issue setting up WIFI mesh. No issue with VPN.

since less than a year I haven't experience issues from long time users or subscribers.

Minor issue their app can't handle multiple accounts.

any motels near manila specifically rizal park or national museum?

any good hotel na walking distance lang sa National Museum?

nagdedecide ako kung chevrolet spark premier o honda brio rs ang bibilhin. leaning sa spark dahil sa price at gas expense. ang concern ko na lang long term ano mahirap at magastos imaintain at sino madaling masira if may proper care.

Fyi this is my second car pero 1st time na automatic.

Valid pa ba yung mga one time pass discount card?