Tuesday, December 29, 2015

I am Without Money

Oh my freakin' gosh, my BPI ATM got captured last night and I am without moolah!

I swear I keyed in the right pin. I swear. I SWEAR! I don't remember changing the pin recently anyway. Geeez, how can I be so stupid! I really didn't know what happen, still figuring it till now.

Yah, was about to withdraw last night ( BPI Super Metro-GMC Lapu Lapu) so I could send a little money to my mom (Php 500) as a New Year gift but man, kinain ni machine ang ATM ko! The horror! And BPI will be closed until Sunday. The security guard said I'll be able to get the captured ATM 10 days pa daw, but I have to report it first. Damnit!

Lesson learned:
  • Don't rely on 1 ATM

Good thing I joined a Cooperative in our subdivision and I was able to borrow some money. As much as possible, I don't want to loan money from the coop coz the 3 percent interest hurts me, but it left me with no choice. I promised pa naman I'd bring Don Benito's cassava cake as a potluck for New Year's Eve and I only have Php 100 in my wallet so yah.

Happy New Year everyone! Here's to great and fruitful New Year. Cheers!

Sunday, December 27, 2015

Deposit Charges: Banks to CitisecOnline ( COL) Effective January 15, 2016

So, I might open CHINABANK. Damn BPI! Look at all the charges you are implementing. I do pa naman BPI to COL, and vice versa transactions exclusively.

Dear Valued Customer,

Please be advised that starting January 15, 2016, COL will no longer subsidize the fees being charged by the banks for the use of their deposit facilities when transferring funds to COL. As such, the amount that will be credited to your account will be net of the corresponding bank charges.

Please refer to the table below for the rate that each partner bank implements per transaction:

Internet BankingPhp 10.00Php5.00Php4.00Php10.00
Phone BankingPhp10.00Php20.00--
Express Link-Php5.00--

Nevertheless, we shall continue to talk with our partner banks to try to negotiate for better rates and/or look for other cost efficient ways of making deposits to your COL account.

We thank you for your understanding.

Yours truly,


Conrado F. Bate

President & CEO

COL Financial Group, Inc.

Saturday, December 26, 2015

2015 Year in Review and Realization

I pretty much made a post of everything mention below, feel free to dig it all up.

  • Did the craziest and scariest thing ever: Going home for good (January 13, 2015)
  • Made peace with my relatives who I had misunderstanding with over money
  • House extension  to make rooms for myself and two of my brothers
  • Kicked my older brother out because of drugs, my other kuya invited my mom to live with him in Albay since my mom has been secretly meeting and enabling my older brother.
  • My 18 years old niece who got pregnant gave birth to a baby boy. Still hurts, still not talking with her.
  • I kicked the construction foreman out because we had misunderstanding. House construction will resume by January 2016
  • I learned a valuable lesson when dealing with people who works for you: You can be a friend to them but please set boundaries. You pay them for their services, the more you are lax with them, the more they abuse your kindness. No matter how kind/ religious they appear, they still have bad side.
  • I know how to cross the street without cussing and muttering: Shit, I'm gonna die!
  • I've loved and lost ( My Ganni Bear) and love again ( My Starky Bear and Pepper Potts.) Dogs are truly man's best friend. 
  • Loving dogs is sometimes a great thing than loving humans. Dogs don't betray you, humans do.

Here's hoping for a great 2016! 

Friday, December 25, 2015

I Was Not Introduced to the Concept of Santa as a Kid, Did It Ruin My Childhood?

I remember my first Christmas abroad when my employer jokingly asked me : "Have you been naughty or nice this year?"

To that, I didn't have an answer coz I don't know what to answer and then my employer explained to me that if you have been nice all throughout the year, you'd get a gift, and if you have been naughty, you'd get a coal or nothing. Ahhhhhh, okay....!

As embarrassing as it is,  I never knew the Santa Claus story. My parents didn't introduce  the idea of Santa to us at all. I don't know if they don't know about Santa or they purposely didn't tell us about Santa coz we were poor and the idea of introducing Santa to us, which means buying us gifts, was too much for them financially.

Was it a bad thing? Well, growing up not knowing about Santa didn't ruin me or my childhood, that I can assure you. My childhood Christmas memories aren't consist of opening gifts and such but the memories of us being complete, us going to church and my Papa carrying me with my head rested on his shoulder because I'd get sleepy and because I was the princess in the family, those were simple yet unforgettable memories I'll treasure  till forever. 

Christmas isn't all about gifts and spending. 

Good thing my siblings and my father introduced me to Star Wars. To that, I'm thankful.

May the Force be with you all. Have a wonderful holidays!

Tuesday, December 22, 2015

Relocation of Electric Meter: Process, Requirements, Materials, etc. ( Mactan Electric Company,INC. (MECO) )

Information below are all based on my own personal experience as I have recently relocate my electric meter.

Office: Sangi Road, Lapu- lapu City, Cebu
Customer Service: 340-8134, 340-8568
Office Hours: Customer Service: Monday to Friday 8:00 AM to 5:30 PM
                       Teller: Monday to Friday 7:30 AM to 6:00 PM


  • Visit the MECO office to ask for updated list of Accredited MECO electrician
They wont give you any information over the phone, believe me... I tried. You have to personally visit the office to ask for the list. It is also for your advantage coz once you ask for the list, they will put a note in their computer that you are on the process of relocating your meter.

I asked for the list 6 months ago or so but when I asked for the list once again, two of the electrician in our baranggay were already removed so it's better to go there and asked for the updated list.

Tip: If someone recommends an accredited MECO electrician to you, give the MECO office a call and ask if that person is still under their office. They'd give you a reply.

  • Call the Accredited MECO Electrician

They'd give you a list of MECO electricians with their address and cellphone number, so the nearer they are to you, the better.

I had to call 3 electrician coz the other two were not available. Sometimes, I think they don't want to take the job coz the MECO office recommends that you pay the electrician 15 percent of the total materials bought.

Tip: I didn't follow the "15 percent of the total materials bought rule" ( I paid Php 5,000 for all the materials, that's Php 750 or so ) coz I know how low that is, plus it's really hot outside where they will be working. I told the electrician point-blank, "Look, I know about the 15 percent rule and I know that that's too low. How much are you asking for the job?" He answered, " Php 2,300." Told him I'll pay Php 2,000. He was okay with it. I considered it a Christmas gift to them (two electricians were working at that time.)

  • Gather all the materials needed

Note: I contacted 3 stores ( New Lapu-Lapu Hardware, Alfonso Co Hardware and Dan Enrico Hardware. For contact information and address of the said stores, click here.) I will mention the store where I got the certain item the cheapest.

- 1 Secondary Rack with 2 Spool : Php  186 (Dan Enrico Hardware)
- 2 Strain Insulator : Php 32 each ( Dan Enrico Hardware)
- 3 Entrance Cap 3/4 Clip Type: Php 65 each (Dan Enrico Hardware)
- 3 Rigid Steel Conduit (RSC) 3/4 dia : Php 213.56 (Dan Enrico Hardware)
- 1 Meter Socket Base (JF,JVC, GE): Php 430 (New Lapu Lapu Hardware)
- 9 Steel Pole Band 5 inches:  Php 45 each (New Lapu-Lapu Hardware)
- 3 Straight Connector 3/4 dia: Php 20 each (New Lapu- Lapu Hardware)
- 2 Metal Coupling 3/4 dia: Php 24 each (Dan Enrico Hardware)
- 7 meters Flexible Conduit ( Liquetite) 3/4 dia: Php 90 per meter (Alfonso Co Hardware)
- 1 3M Electrical Tape: Php 30 (Dan Enrico Hardware)
- 19 Meters Electrical Wire 8.0 THHN (Red): Php 38 per meter (Dan Enrico Hardware)
- 55 Meters Electrical Wire 8.0 THHN ( Black): Php 38 per meter (Dan Enrico Hardware)
- 10 Metal Clamp 3/4 dia: Php 8 each (New Lapu Lapu Hardware)
- 1 sachet Vulca Seal: Php 45 (New Lapu-Lapu Hardware and Alfonso Co = same price)
- 30 pcs Plastic Tox (S6): Php 40 cents each  (New Lapu-Lapu Hardware and Alfonso Co = same price)
- 30 pcs Metal Screw for S6: Php 1 each  (New Lapu-Lapu Hardware and Alfonso Co = same price)
- 10 pcs 1 1/2 Concrete Nail: Php 70 per kilo (Alfonso Co Hardware)

  • Work in Progress
They worked from 8:00 AM to 12 noon

  • Certification
Oooops, the transfer of meter doesn't just end there. The MECO accredited electrician will give you a certification and he will asked you to attach the recent MECO bill. You then will submit it to the MECO office.

  • Submission of the Certicate + Payment (Php 112)

Once you submit the certificate, the costumer service will see if you have back payment and penalties. If you don't have any, you will be asked to pay PHP 112 and proceed to Teller 8 ( no more lining up, just go straight there.) Php 100 for the Service Fee and Php 12 for VAT.

Note: Be sure that your current meter is digital. Otherwise, they will ask you to pay for more.

  • Schedule of the Final Transfer
You will be asked to go back to the Customer Service Representative so she/he could schedule you for the final transfer. A MECO electrician, not the accredited one I talked about, will go to your house for final check up and to finally transfer the meter.

I submitted the certification around 10 AM. The MECO guys went to our house around 2PM. Worked done and meter finally transferred around 2:15 PM.

Sunday, December 20, 2015

Wet Market Sunday: Gasulito, S&R..

Two Wet Market Sundays merge into one.

Ran out of Gasulito last December 10 ( Thursday) and bought a refill last December 12. Current cost: Php 475

  • VEGGIES: Php 34
- Cabbage: Php 11.25 Bought it at La Nueva. It was on sale.
- White Onion: Php 12.80 Bought this at La Nueva as well. Been wanting some white onion lately
- Tomato: Php 5
- Squash: Php 5

  • Banana: Php 30 (Php 45 per kilo)

  • Sawdust: Php 50 (Php 30 per kilo)

- Downy Garden Bloom 43ml + 2 free: Php 39.40
- Camel Soy Sauce : Php 5.85
- Chlorine 1/4: Php 21
- Kopiko Cafe Blanca: Php 56
- Surf Laundry Powder: Php 73.10
- Anchor Adult Powder Milk 180g: Php 81.70
- Dazz Dishwasher Bar 90g: Php 6.30
- Ground Cinnamon 30g : Php 19.40
- Arm and Hammer Baking Soda 454g: Php 66.50
- Baker's Best Bread: Php 22.25
- 555 Tuna Adobo: Php 21.65

  • RICE: Php 66 (Php 33 per kilo)

  • Another Sawdust: Php 64.92 (Php 30 per kilo)

  • Bangus: Php 50 (Php 120 per kilo)

  • Kopiko Cafe Blanca: Php 57.50
  • Lucky Me Pancit Canton: Php. 8.75
  • Energen: Php 60
  • Blue Bay Caldereta: Php 22.25

  • Adult S&R Dog Food 20kg or 44 lbs : Php 849.95 OMG, so excited for Stark and Pepper coz they are now eating adult dog food! Proud mommy here!

  • Lotte Aloe Vera Juice 1.5 L : Php 97.95 No Yakult available at S&R, found this instead. Been wanting to try Aloe Vera Juice. Heard it's good from all the Philippine vlogs I watched when I was abroad.
  • Camel Soy Sauce 1 Gal: Php 98.95 Yah, finally bought soy sauce in bulk. I am so conscious of all the the sachet and bottles I throw. This could last me a looooong time. Expiration: 2020
  • Chekhup Milk Tea: Php 294.95 Just trying this out.

Tuesday, December 15, 2015

To The Person Who Always Parks In Front Of My House

  • Why do you always park in front of my house, why not in front of your house? Oh, coz your house is in Y intersection. So why don't your park somewhere else and not in front of my property. We have huge parking lot just across the street, why not there? Or better yet, why not in front of that house beside me whose owner rarely comes to visit?
  • Don't you know that whenever you park in front of my house, it's hard for me to let Stark and Pepper go out? You know I always let them  out every 3 to 4 hours or so so they can do their business outside and your car gets in my way.
  • I do have visitors who come and visit me often who also parks in front of my house, you know?
  • One time, you saw us arrived and was about to knock on your door after we unload Stark and Pepper's food but you already turned off all your lights. You did that twice already and base on my observation, you are a night owl.
  • Yet again, just last night you parked IN FRONT OF MY GATE mere 38 hours after the Homeowner's Association told you not to park in front my property anymore. I had to gather my courage and knock on your door to tell you not to park there. Good thing it's your helper and daughters who answered and not you, I don't want any fights, just like you did to the other neighbor. Good thing also, right after I walked Pepper, I saw you moved your car in front of your house. Thanks for that.
  • You can afford a car, you surely can afford to build a garage. I saw she has some kind of a driveway though, don't know why she isn't using it.
  • I am tempted to slash your tires, but I wont. Maybe I will.
  • If you wont stop parking in front of my property, when a typhoon comes, there might be a falling object that will " accidentally" hits  your car. Ooopsies!
  • I know that curb isn't mine, that I don't have a deed to show for it but can you practice RESPECT? I know you won't like it when people park in front of your property for a longer period of time.
  • I am not being maarte, I let people park in front of my property. Case in point, when there was a party at our other neighbor's house, I didn't mind them parking. But you,  you who parks in front of my property then put a car cover on it? Mahiya ka naman.

Friday, December 11, 2015

Ice Skating at SM Seaside: Novelty and Challenge Bring Happiness

Yep, I did read Gretchen Rubin's Happiness Project when I was still abroad and I was proud to  have taken massive notes which exists till now.

Five of my friends and I decided to try something new: Ice skating. We don't have any experience with ice skating whatsoever or tried roller blades. We just want to try it out of curiosity. And so we did... last Sunday.

Yep, that's why I didn't do my wet market run coz I still got food left from previous wet market runs ( hello there fish and chicken neck.) Though I bought 2 kilos of sawdust for Stark and Pepper.

Ice skating was some kind of a challenge. The first round was brutal. I couldn't get myself to stabilize, my knees were shaking, I kept holding on to the side for my dear life, kept uttering how this was a bad idea to spend a Sunday plus YOU HAVE to go clockwise direction and THAT MEANT YOU HAVE TO PASS BY PEOPLE LOOKING AT YOU THROUGH A CLEAR GLASS. E.M.B.A.R.R.A.S.S.I.N.G.

But the second time? It got easier.
The third time? It got easier and easier. I found my balance. Applied the stopping technique I found on You Tube.
Fourth time? I tried gliding with the help of a teenager who showed me how to.
Fifth time? I can glide.

Though I found my balance and I can glide, I still get scared to go to the center, but the joy I felt was tremendous and priceless! It reminded me of the feeling I had after I did a 120 Ft Freefall ( Dropzone) at Dahilayan Adventure Park few months back (My mom brought the pictures to Albay. My cousin took a video of our "fall and swing" but I don't know what happen to it since I don't have Facebook she could "share" it to. We went there for my Lola's birthday before we went to Divine Mercy Shrine. Planning on going back to Dahilayan next year to try out all the extreme rides. I just tried the Dropzone coz I don't want my cousins to feel left out, like here I was trying all the rides, I don't want them naman to expect me to pay for all their rides. Hard to explain but I know that you know what I mean.)

Ice skating at SM Seaside Cebu
Price: Php 380 ( unlimited)
Includes: Shoes

  • Go early coz the line could get crazy and you'll end up with no ice skate right for your size. We went their last Friday but we didn't get to ice skate coz no more shoes left ( to think we lined up for over an hour! Sana the SM Seaside Ice Skating Rink Management would have the initiative to inform those who are lining up about the shoe sizes available para people would have a choice to still line up or try next time.)
  • For first timer, as in who doesn't  have the background on roller skating whatsoever, don't be afraid. The first time is hard. Concentrate. Don't compare. Next time you see that cute teenager girl who zoomed passed you, say hi and ask for tips- that's how I learned to glide. They would be glad for a compliment plus you'll get a tip or two!
  • Get them ice skate shoe tight. Really tight.Bring Knee High Socks. Get fit ( they have shoe fitting area in front of the counter) Having the right size and tight laces helps you glide easily.
  • I was thinking that it'll be super cold inside the rink since it's cold inside the mall na nga how much more inside the rink but for the first timer, you will sweat like a bucket coz the embarrassment of constantly clinging to the sides would really make you sweat. I wound have taken my sweater off ( to think that was a super light sweater) had I not worn a tank top that reveals my inner garment too much.
  • Be mindful of the Zamboni schedule. You know, that weird looking vehicle that makes the ice smooth (ice resurfacer.) If you happen to be way far back and when they call for a time off to make way for the Zamboni and you are a beginner, you'll get stressed out beyond belief making your way to the exit. You'll sigh and think of taking the ice skate shoes off and run!

    Zamboni schedule: 
2:30- 3:00 PM
6:30- 7:00 PM
  • Since it's unlimited, you can go out anytime and explore the mall in between ice skating. They give you wristbands stickers.

I really enjoyed my ice skating experience and would love to do it again, but I hope they will offer an hourly rates.

Thursday, December 3, 2015

SM Seaside Cebu (Grand Opening) + Getting My Hair Cut

November 27, 2015

My friends and I decided to go and experienced SM Seaside on the opening day and that was a bad idea. The crowd was chu-razy! I didn't enjoy it at all. We just walked, got fed up looking and lining for some lunch and decided to buy popcorn instead. Nevertheless it was some kind of an experience.

Be warned: it's damn cold inside the mall so bring some kind of light sweater for those of you like me who has some kind of cold sensitivity issue.

Here are some pictures:

Crazy traffic!

The crown were lining up at Jollibee for some free balloons

The Cube Wing

The Posh Bathroom (Cinema)

Seaview Wing

The traffic going to SM (we were going back to the city proper)

December 1, 2015

 I originally got a waist length hair and decided to cut it to shoulder length. What a way to start a Christmas month, huh? 

Bench Fix
Price: Php 250
Includes: Shampoo+ Conditioner+ Blow dry +  a dab of Kerastese Hair Serum ( which was very good but too expensive if you buy the whole bottle ( Php 1,700)
Tip: I gave Php 25 for the guy who shampooed, etc..  and I gave Php 25 for the guy who cut

My first time in a long time getting  a cut professionally.

Saying goodbye to my long hair
I actually saved my hair coz my aunt wants to make it into a wig

Gosh, I forgot how nice it feels to get your hair shampooed by others!
Plus Bench Fix' hot water salon faucet made it more relaxing and worth it.

Yep, waist-length hair went buh-bye

Why, hello shoulder length hair!