Credit card for me is one of the greatest invention by man. It will allow you to shop without any cash, use it in real emergency situation or you could make cash advance (though i do not recommend the latter). Credit card has a skyrocketed interest if you do the cash advance thing.
SO it's credit card a friend or foe? We'll it really depends on the cardholder. As for me, it is my friend. I got a chance to enjoy shopping and dining without withdrawing any cash, booked flights online, booked hotel online, shopped online, and enjoy the rebate, points and promos. Credit Card is Cool. I have 1 Citibank Shell Visa Card which I can have a 5% rebate at Shell gasoline station. I also have a HSBC Mabuhay miles card which I could enjoy the mabuhay miles points for free airplane ticket. It can also be used in Caltex Gasoline Staction and get a 5% rebate on gasoline purchased. My yearly rebate on gasoline is approximately P3000.
You only have to follow the rules which I set to myself to avoid being greedy and to the point that you cannot control yourself.
Below are my basic rules an tips to effectively enjoy Credit Card' to your advantage;
1) Never make minimum due payment. I zeroed all my balances before due date. No interest charge of course :)
2) Make sure all your purchases are within your reach for rule number 1.
3) Never make a cash advance. A big no no for me here.
4) Closed your credit card as soon as they charged you annual fee.
Usually credit card will give you waived annual fee on your first year but they will charged you in your 2nd year. In my 7 years of having a credit card, I am 100% sure that creditor once you tell them to cut your card, they will extend there waived annual fee. I have a 4 year old credit card that I never have to pay the annual fee.
Good luck to your credit card.
Wednesday, November 11, 2009
Sunday, October 18, 2009
October 2009 Mechanical Engineer Board Exam Results | Licensure Examination Results
Below is the list of the new Mechanical Engineers who passed the Mechanical Engineer Board Exam Results October 2009 together with the top 10 Mechanical Engineers.
Top 10 October 2009 Mechanical Engineers October 2009
1) Radino Encaya Estoria, Technological University of the Philippines (TUP-Manila) - 89.35%
2) Cesar Minorias Baron Jr, University of Cebu - 88.80%
3) Marcelo Casquejo Santillan, Bicol University - Legazpi - 88.55%
4) Mark Cecil Mirasol Tano, Cebu Institute of Technology - 87.80%
5) Christopher Magnaye Requinto, Batangas State University- Batangas City - 87.75%
6) Dale Bryan Raiz Pacheco, Mindanao State University - Iligan Institute of Technology - 87.40%
7) Christopher Beunavente Sanchez, Bicol University - Legazpi - 87.20%
8) Jan Derrick Hernandez Nidar, University of the Philippines - Diliman - 87.15%
9) Michael Ernani Arce Andres, University of the Philippines - Diliman - 87.05%
10) Ian Wildon Auino Dizon, University of the East - Caloocan - 86.85%
Congratulations to Engr. Baron from University of Cebu (my Alma Mater) for being Top No. 2.
Roll of Successful Examinees in theMECHANICAL ENGINEER LICENSURE EXAMINATIONHeld on OCTOBER 14 and 15, 2009 , Released on OCTOBER 16, 20091. Click link below;
http://www.prcboardexamresults.com/october-2009-mechanical-engineering-board-exam-results/#more-1004
Sunday, June 21, 2009
Our Family Website
I like to share to you our family website. It is a premade website sponsored by webs.com.
It is really a nice and cool website for a family and especially those who don't know how to make a webpage from scratch.
You could upload pictures or even videos. You can also create your own blog.
If you happen to visit our family website, we would appreciate if you could sign-up our guestbook and leave some message.
See you there...
By the way, this is the link of our website;
www.goclavelfamily.webs.com
See you there...
It is really a nice and cool website for a family and especially those who don't know how to make a webpage from scratch.
You could upload pictures or even videos. You can also create your own blog.
If you happen to visit our family website, we would appreciate if you could sign-up our guestbook and leave some message.
See you there...
By the way, this is the link of our website;
www.goclavelfamily.webs.com
See you there...
Wednesday, June 10, 2009
XXX Things I liked About her
If you have read my blog archives, you already knew how much I love my wife. Even now, that feelings grow and matured. I still believe that things you like should be known or expressed to that person. You could either tell her and show to her how much you love her. In this article, I just want my wife to know the things I like about her. This will be a working article and will be updating it once I could recall all those beautiful things in here. I mean they are already inside me, I just have to enumerate all those. So, below are the things I liked about her in random order;
1) She is beautiful (esp when she smiles)
2) She is sexy in my own eyes
3) She cooks the best beafsteak in the whole wide world
4) She is a very good cook. I wonder why she is not a chef because she could be.
5) She iron my clothes
6) She prepares my clothes to wear for office after taking a bath
7) She prepares my clothes to wear for bedtime after work
8) She always tells me she loves me.
9) She can get along well with my relatives (pretty well that sometimes I felt like they are relatives and I'm not :))
10) She take good care of my parents.
11) She is good of taking care of our baby Christian.
12) She never forgets to give a gift to my birthday
13) She always have gifts to my parents for their birthday
14) She is easy to be friend.
15) She is a loyal friend.
16) She prepares the Nangka fruit (peel off and removed the seeds) for me to eat and enjoy when she founds out I love Nangka and that I am lazy enough to eat peel off and removed the seeds.
17) She is beautiful to watch when she sleeps.
18) She arrange all our things in the room when its messy.
19) She always reminds me of checking my car if it has enough water and oil.
20) She answer all my texts when I'm driving.
21) She gives me a card with a lovely messages every anniversary or monthsary.
22) She is the mother of our cute baby Christian.
23) She put some snacks inside my bag.
24) She put some extra shirt and short in my bag when I'm going to GK.
25) She play Mafia wars for me during lunch time.
26) She play Farm town in Facebook when I'm busy with Mafia Wars.
27) She takes care of me when I'm sick.
28) She'll do a full body massage me when I'm stressed from work.
1) She is beautiful (esp when she smiles)
2) She is sexy in my own eyes
3) She cooks the best beafsteak in the whole wide world
4) She is a very good cook. I wonder why she is not a chef because she could be.
5) She iron my clothes
6) She prepares my clothes to wear for office after taking a bath
7) She prepares my clothes to wear for bedtime after work
8) She always tells me she loves me.
9) She can get along well with my relatives (pretty well that sometimes I felt like they are relatives and I'm not :))
10) She take good care of my parents.
11) She is good of taking care of our baby Christian.
12) She never forgets to give a gift to my birthday
13) She always have gifts to my parents for their birthday
14) She is easy to be friend.
15) She is a loyal friend.
16) She prepares the Nangka fruit (peel off and removed the seeds) for me to eat and enjoy when she founds out I love Nangka and that I am lazy enough to eat peel off and removed the seeds.
17) She is beautiful to watch when she sleeps.
18) She arrange all our things in the room when its messy.
19) She always reminds me of checking my car if it has enough water and oil.
20) She answer all my texts when I'm driving.
21) She gives me a card with a lovely messages every anniversary or monthsary.
22) She is the mother of our cute baby Christian.
23) She put some snacks inside my bag.
24) She put some extra shirt and short in my bag when I'm going to GK.
25) She play Mafia wars for me during lunch time.
26) She play Farm town in Facebook when I'm busy with Mafia Wars.
27) She takes care of me when I'm sick.
28) She'll do a full body massage me when I'm stressed from work.
Monday, March 23, 2009
Philippine Airlines (PAL) sucks in Customer Support service "Hated PAL"
Philippine Airlines (PAL) sucks in Customer Support service "Hated PAL"
I have my worst experience with PAL and their customer support service. We have lost a total of P3253.00 (2,653.00Php plus the cancellation fee of P600).I have booked a 17December2008 flight for my brother from Manila to Cebu using my HSBC credit card. But a day after that my brother needs to cancel the flight since his
company requiring him to go abroad immediately. He went right away to PAL office in Manila and asked to cancel the flight. He was asked to pay a cancellation fee of
P600. He called me that I don't have to worry about the credit card since PAL flight charge would not reflect since he already cancel the flight and paid for the necessary
cancellation fee(s). It was 2nd week of January 2009 that I have received my HSBC bill and was surprised that the P2653.00 flight charge was there. I was not happy
about it so I called PAL office here in Cebu to that my latest bill reflected the flight charge which is supposedly cancelled. They have asked some details of the flight and I
were able to provide them. They have confirmed about the cancellation of the flight the day before it. But refer me to PAL manila office instead since they could not do
the reversal of my credit card bill. They give me a number which I could not even call or an invalid number when I tried to dial it. I've searched for the landline number of
PAL for customer support but everytime one person answer they always refer me to another number which I could not contact. The number are always busy. I have
called two numbers in PAL manila office but not successfully talked to the right person. I went to got email my concern to PAL (domestic and international support) and
asked for a reversal of my payment since flight were cancelled and my brother have paid for the cancellation fee. I have given the complete details of my brothers flight
to make sure no further queries needed. But I never received any reply from them, not even one. I emailed them thrice but no single word received from them.I felt like I was robbed by PAL. How could they do it to their customers. Even requiring to collect cancellation fee and at the same time collecting the flight charge which
never did happen and was cancelled prior to the flight? For me they are the worst Airline, worst customer support. I have highlighted this concern to make sure someone knows and review this blog about the dark side of Philippine Airlines (PAL). I have spent most of my time calling
them asking for numbers who always passing one person to another making you give up. Emailing their customer support email add several times that never received
any response even I have put my number for them to easily contact me anytime. It's been March 23, 2009 now and still never heard anything from them. I no longer expect any reversal from them. I should accept I got robbed and move on... Part of moving on is the reason why I wrote this blog.
Philippine Airlines (PAL) is always late in their flight. I never get to choose an airlines in my company it so happens that most of my flight home from Manila to Cebu are
booked to PAL. I have flight with PAL approximately 4 times and all of them are at least one hour late!!! Their flight always get delayed that my last flight with them that
were supposedly scheduled 7pm was moved to 9:30PM. I actually arrived at the airport around 8Pm knowing they always get late so I might I guess room around the
Makati city before going to the airport. Guess what, I was still early with my flight since we actually boarded the plane around 9:00PM.
To those who transact business with PAL in Credit Card, BEWARE!!! as you might be the next victim and might get robbed by Philippine Airlines.When you still prefer PAL then you could go late (like an hour) and still be an early bird.It's your choice. I prefer Cebu Pacific Airlines over PAL at any times.
I have my worst experience with PAL and their customer support service. We have lost a total of P3253.00 (2,653.00Php plus the cancellation fee of P600).I have booked a 17December2008 flight for my brother from Manila to Cebu using my HSBC credit card. But a day after that my brother needs to cancel the flight since his
company requiring him to go abroad immediately. He went right away to PAL office in Manila and asked to cancel the flight. He was asked to pay a cancellation fee of
P600. He called me that I don't have to worry about the credit card since PAL flight charge would not reflect since he already cancel the flight and paid for the necessary
cancellation fee(s). It was 2nd week of January 2009 that I have received my HSBC bill and was surprised that the P2653.00 flight charge was there. I was not happy
about it so I called PAL office here in Cebu to that my latest bill reflected the flight charge which is supposedly cancelled. They have asked some details of the flight and I
were able to provide them. They have confirmed about the cancellation of the flight the day before it. But refer me to PAL manila office instead since they could not do
the reversal of my credit card bill. They give me a number which I could not even call or an invalid number when I tried to dial it. I've searched for the landline number of
PAL for customer support but everytime one person answer they always refer me to another number which I could not contact. The number are always busy. I have
called two numbers in PAL manila office but not successfully talked to the right person. I went to got email my concern to PAL (domestic and international support) and
asked for a reversal of my payment since flight were cancelled and my brother have paid for the cancellation fee. I have given the complete details of my brothers flight
to make sure no further queries needed. But I never received any reply from them, not even one. I emailed them thrice but no single word received from them.I felt like I was robbed by PAL. How could they do it to their customers. Even requiring to collect cancellation fee and at the same time collecting the flight charge which
never did happen and was cancelled prior to the flight? For me they are the worst Airline, worst customer support. I have highlighted this concern to make sure someone knows and review this blog about the dark side of Philippine Airlines (PAL). I have spent most of my time calling
them asking for numbers who always passing one person to another making you give up. Emailing their customer support email add several times that never received
any response even I have put my number for them to easily contact me anytime. It's been March 23, 2009 now and still never heard anything from them. I no longer expect any reversal from them. I should accept I got robbed and move on... Part of moving on is the reason why I wrote this blog.
Philippine Airlines (PAL) is always late in their flight. I never get to choose an airlines in my company it so happens that most of my flight home from Manila to Cebu are
booked to PAL. I have flight with PAL approximately 4 times and all of them are at least one hour late!!! Their flight always get delayed that my last flight with them that
were supposedly scheduled 7pm was moved to 9:30PM. I actually arrived at the airport around 8Pm knowing they always get late so I might I guess room around the
Makati city before going to the airport. Guess what, I was still early with my flight since we actually boarded the plane around 9:00PM.
To those who transact business with PAL in Credit Card, BEWARE!!! as you might be the next victim and might get robbed by Philippine Airlines.When you still prefer PAL then you could go late (like an hour) and still be an early bird.It's your choice. I prefer Cebu Pacific Airlines over PAL at any times.
Monday, January 28, 2008
Welcome to the World
Stephen Christian Go
Date of Birth: January 04, 2008 (8:42am)
Birth Place: Perpetual Succor Hospital
You are our treasure we love the most.
Looking at you brings peace in our hearts.
You winsome smile is irresistible, turn things into heavenlike feeling...
We promise to take care of you, the best we can.
We pray that God will always be with you.
May he Bless you with all the blessings in this world can.
May you become a successful and a good man someday...
We love you so much...
Monday, September 24, 2007
I Love my new Bike!
I never thought riding a bike was so much fun and adventure. You have a chance to explore areas wherein a car could not reach. You can conquer even a undeveloped, descend a rocky and grassy road. My bike can withstand all the vibrations that these have caused for it has shock absorber and I can bike standing to avoid more impact on my body. You can enter a foreclosed beach resort.
These so called beach resort was very popular 5 years ago. It is said that peso is not accepted in this place. Only US dollar can make you enjoy there relaxing beach and soothing environment.
I think this was the reason why this beach resort was bankrupt and foreclosed by a bank (PNB).
Beside these resort (or maybe still part of it)was a sort of like a fish pond. I could see some 2 or three people enjoying the beach clear water. Contrary to the beach in the Parker beach wherein there are lots of seaweeds floating and yet there are lot of families still enjoy swimming.
Unlucky for them that there are still place that is much clean and a beautiful place that is free of charge. Guess I am one of the lucky person, for I have just discovered that place.
On the other side, there is this man fishing using just a fishing line and a hook. Sure he has already plenty of fish in his basket. I asked him if how long it took him to catch all those fish. He just said that he was very early and now it was like 8:30AM. I could feel the heat of the sun, but still enjoy watching him cath some more fish (it's not as big as you think, it's about 2 to 4 inches.). But sure one family is enough to feed for his catch.
I kind of envy what he is doing and in my mind, I'd like to try it myself. Now, I'm planning to have a simple fishing rod on my own. Just a simple fishing line and a hook attached to a branch of an ipil2x or something flexible yet stronger. It feels like very relaxing when you go fishing. And it feels great everytime you catch one.
It already 8:45Am when I leave that place and ready to go home. In my mind I already now what to do next.
My first reason why I bought a bike is for me to have exercise. My body is getting heavy for I have only one day spend in sports. And that is Saturday when I play Badminton in Puna with my officemates in the morning and play basketball with my other officemates in Kimwa basketball gym.
But now, I love my new experience with my new bike. I have conquered different places with my bike which my car could not. Sure I have travelled almost every part of Mactan with my car but never have explored every corner of each part.
The foreclosed beach resort is only one example. There are so much more to explpore.
More adventure to experience.
Special thanks to Nimrod who offered me his very nice bike for an affordable price.
Not to mention that I been longing and dreaming of having a bike when I was still in elementary. But never had a chance to buy not until now.
These so called beach resort was very popular 5 years ago. It is said that peso is not accepted in this place. Only US dollar can make you enjoy there relaxing beach and soothing environment.
I think this was the reason why this beach resort was bankrupt and foreclosed by a bank (PNB).
Beside these resort (or maybe still part of it)was a sort of like a fish pond. I could see some 2 or three people enjoying the beach clear water. Contrary to the beach in the Parker beach wherein there are lots of seaweeds floating and yet there are lot of families still enjoy swimming.
Unlucky for them that there are still place that is much clean and a beautiful place that is free of charge. Guess I am one of the lucky person, for I have just discovered that place.
On the other side, there is this man fishing using just a fishing line and a hook. Sure he has already plenty of fish in his basket. I asked him if how long it took him to catch all those fish. He just said that he was very early and now it was like 8:30AM. I could feel the heat of the sun, but still enjoy watching him cath some more fish (it's not as big as you think, it's about 2 to 4 inches.). But sure one family is enough to feed for his catch.
I kind of envy what he is doing and in my mind, I'd like to try it myself. Now, I'm planning to have a simple fishing rod on my own. Just a simple fishing line and a hook attached to a branch of an ipil2x or something flexible yet stronger. It feels like very relaxing when you go fishing. And it feels great everytime you catch one.
It already 8:45Am when I leave that place and ready to go home. In my mind I already now what to do next.
My first reason why I bought a bike is for me to have exercise. My body is getting heavy for I have only one day spend in sports. And that is Saturday when I play Badminton in Puna with my officemates in the morning and play basketball with my other officemates in Kimwa basketball gym.
But now, I love my new experience with my new bike. I have conquered different places with my bike which my car could not. Sure I have travelled almost every part of Mactan with my car but never have explored every corner of each part.
The foreclosed beach resort is only one example. There are so much more to explpore.
More adventure to experience.
Special thanks to Nimrod who offered me his very nice bike for an affordable price.
Not to mention that I been longing and dreaming of having a bike when I was still in elementary. But never had a chance to buy not until now.
Subscribe to:
Posts (Atom)
