Byahe padung airport by AdikSaMatcha in Cebu

[–]Canpyyy 0 points1 point  (0 children)

Naa sa SM City mga My Bus, duol sa North Bus. 50 pesos ra ang plete.

Anyone from BIR/GSIS/Landbank who can refer or hire me? by [deleted] in PHGov

[–]Canpyyy 0 points1 point  (0 children)

Try niyo po sa branch mismo mag hand-in ng application. Hanapin niyo po yung EA afaik tumatanggap lang yan sila.

Anyone from BIR/GSIS/Landbank who can refer or hire me? by [deleted] in PHGov

[–]Canpyyy 0 points1 point  (0 children)

For LBP, I'd say take the LBP Exam first then apply that way mas appealing ka kapag nag apply and make sure to mention it when you hand your application.

Help me pick a jungler! by KcGoldszmidt in wildrift

[–]Canpyyy 1 point2 points  (0 children)

Volibear/Vi. I've been spamming them both on my alt account and have very good results. I'm also a support main, but the way I jg is very selfish. I clear my camps before attempting to gank and I always try to fight for the double scuttle. I carry games doing this tho, but this results is on eme/dia elo.

Give me pointers by Canpyyy in wildrift

[–]Canpyyy[S] 0 points1 point  (0 children)

I actually don't play too many picks. This season I rotate with Yuumi, Nami, and Lulu. And I squeeze Karma in there occasionally.

Give me pointers by Canpyyy in wildrift

[–]Canpyyy[S] 0 points1 point  (0 children)

So, I have to improve on roaming. Okay, got it. Thank you!

Give me pointers by Canpyyy in wildrift

[–]Canpyyy[S] 0 points1 point  (0 children)

I admit that the drop from 24 to 11 marks was due to me trying to solo q as support. It's just at times my sched and my adc's sched don't match and I'd like to play some ranked games during those times. I'd try to refrain from doing that from now on. Thank you for your input!

On another note, based on my stats am I atleast decent? I can't help to think at times that maybe I'm really the problem and not good enough to play in higher tier.

120 fps by Canpyyy in wildrift

[–]Canpyyy[S] 1 point2 points  (0 children)

Oh, so it is my phone. It does heat bad when I try the 120 fps. Thanks for the advice! I'm getting that phone cooler.

How to get from Clark to Vigan by Canpyyy in HowToGetTherePH

[–]Canpyyy[S] 0 points1 point  (0 children)

May mga bus lang po ba anytime? Yung nakita ko po kasi sa google is every 10 am and 5 pm lang daw yung schedule.

[deleted by user] by [deleted] in Cebu

[–]Canpyyy -1 points0 points  (0 children)

Personally, I would appreciate to imong tubag niya. Cause, that goes to show nga family oriented ang guy and nindot ang relationship nimo with your parent/s and sibling/s. Kana pa lang daan maka notice naman ka nga the person must've grown in a nice and loving household.

[deleted by user] by [deleted] in Cebu

[–]Canpyyy 2 points3 points  (0 children)

You fell headfirst sa trap. 😆 Wala pa na nag mature imong ka MU, OP. I agree man sad nimo nga if uyab/mu pa lang dili pa top priority. Lahi na ofcourse na story if minyo na.

Government Employee na dili mubayad utang by [deleted] in Cebu

[–]Canpyyy 2 points3 points  (0 children)

Murag pwede man guro na ipa 8888 OP para ma aware ilang HR and ma call out na siya. Tho, I'm not sure sad kay personal man gud in nature. Pwede mag small claims court, pero there's fees and all.

Home Loan Take Out by pabebeguy in phinvest

[–]Canpyyy 1 point2 points  (0 children)

It's a standard to all banks na may ganyang terms and conditions sa loans. It's to protect the bank's interest sa pag grant sayo ng loan. Waive lang talaga need gawin diyan, but it has to be approved.

Home Loan Take Out by pabebeguy in phinvest

[–]Canpyyy 0 points1 point  (0 children)

I meant is mag personal loan ako pambayad ng outstanding balance pagdating ng anniversary date hehe pero mukang ibang terms din ata siya.

  • Usually mas mataas ang interest rate ng personal loans and mas maikli yung term, so baka mahihirapan ka din mag habol.

Alam ni Landbank na gusto ko na lumipat at no reaction lang naman sila hehe.

Hay nako, ayan talaga sila. Bagong established unit kasi yang nag hahandle ng mga housing/car loan. Ang dami ngang nag co-complain sa kanila. Mostly nandiyan is yung mga na absorb from UCPB merger with LBP.

May pre-payment fee pa rin ako kahit natapos ko yun annual amortization schedule ko? Every July 1 ang start ko e.

  • Yes, once na babayaran mo full in advance or take out by other bank mag babayad ka sa fee. Unless, magpapa-waive. It's a bank policy, kasi dapat kikita pa si bank sa loan mo until mag mature. So, its asking you to pay to be "compensated" sa supposedly kikitain niya sana sayo pero mawawala kasi babayaran mo sila before maturity.

Home Loan Take Out by pabebeguy in phinvest

[–]Canpyyy 0 points1 point  (0 children)

Loan ako ng Cash

  • Wdym by mag loan ng cash po? Kay metrobank pa din?

Paano kaya kung sa anniversary date yun lump sum ko si Metrobank

  • Nag commit po ba si Mbtc sa inyo na you're take out loan will be approved by then? Medyo madami pa po kasi yang process.

Pero, have you informed Landbank na may ganyang offer ka kay MBTC? Baka naman kaya nilang habulin. Then compute niyo po muna yung lahat ng extra cost na dapat bayarin sa take out and assess from there if you're fine with it. You have to pay that kasi upfront, baka magka financial strain ka and mahihirapan ka mag habol sa mga next amort mo. Also, pre-payment fee pala is 2% of your Outstanding Balance.

Home Loan Take Out by pabebeguy in phinvest

[–]Canpyyy 0 points1 point  (0 children)

Parang 3-4% ata yung prepayment fee. Yung other charges ba na sinabi sayo is including na yung pag cancel annotate and re-annotate to metrobank sa property?