Sunday, September 17, 2023
Google Sheets "#NA" Vlookup Error Fix
Friday, February 17, 2023
How to get a PASALO housing loan via Pag IBIG
Yes, it is possible. And, again, it is completely legal. BUT... you have to do it the proper way. So DO NOT... go into a private/personal deal with a seller, even if they are honest, trustworthy, or even family. Because, in 15-20 years, who knows, they may no longer be alive, no longer in the country, or no longer interested to complete the transaction.
So that means even if you have your own private "Deed of Absolute Sale" and even if the seller is not contesting the validity of the contract, that is all you have. You have no real power of ownership. You can not legally sell your property (unless your buyer is willing to buy the property without a title), can not legally bequeath the property to your children, etc. Is this what you want?
But we got our own unit thru Pag IBIG, and yes, it was a pasalo kind of transaction.
So how to go about it?
You have to do it with Pag IBIG. Apply for a loan, let them know what you intend to do. They will guide you on the documents and the steps that you need to take. It takes about 2 months for this initial process of your qualification to be completed.
Once this is done, be prepared to complete the other documents, fees, taxes to be paid. It is a long tedious process that took about a year to complete. So be prepared for that. Also the taxes and fees (for a property worth roughly 1M php, was about 60-70K php in total, not including the money you would need for commuting to and from Pag IBIG, BIR, Land and Registry of Deeds, City Hall.)
But it can be done. We did it. And now we are paying a monthly mortgage that is way below the monthly mortgage of the pre-selling condo units, and we have the legal title to the unit.
If you have questions, please comment below.
Sunday, February 20, 2022
MacBook Air update
My MacBook Air is currently caught in an endless loop. I am being prompted every 15 minutes to update my OS, then once I try to update, it tells me that I already have the latest version. It is super annoying since the prompt closes my Google Chrome and requires me to click on the Chrome icon to go back to work.
My MacBook was working fine before this update. I called our company IT (PC is company issued) and I was told that I need to go to the office to have my Mac replaced with a Windows laptop since they can not fix this via remote. I have not been to the office since the lockdown (2 years ago).
Good job Apple, you just fixed a non-problem with a big hassle solution.
So yeah, so much for this overpriced piece of garbage. It forces an update, on average about once a month, and not a simple 15 minutes Windows version of updates, but a major 2 hours complete overhaul of the OS -- about 30 gigs worth of data kind of updates. And every now and then, you get this wonderful result, the newest feature of MacBook Air. It is not a bug, it is a feature. It is your own personal reminder (every 15 minutes) that Apple products are overhyped.
Sunday, February 13, 2022
How to fix blurry / low resolution webcam
After about 2 months of non-use, my daughter’s webcam was suddenly giving out what appears to be low resolution video.
I Googled a possible fix to this, and found some articles about changing settings, etc. None of them worked. I even reinstalled the drivers from the manufacturer. Tweaked settings in Windows, still, no dice.
But I know that the webcam is ok. It worked the last time it was used for online classes, end of school year.
I checked again, wiped it with a cotton handkerchief, still low resolution video. One last try, I used a cotton bud dipped in alcohol and used it to thoroughly clean the lens. And just like that, good as new!
Remember, your webcam is autofocus. This means, even one speck of dust that might not be big enough for us to see might be enough for your webcam to focus on that speck of dust, thereby rendering everything else in the background as low resolution. I hope this helps.
Friday, December 4, 2015
Bayantel DSL is a scam
I subscribed to their unlimited P1,299 monthly package and it was installed Dec 1, 2015. The package consisted of a landline and 2 mbps internet per month. I was attracted to their absolutely "no data cap" internet promise. Today is Dec 5, 2015 -- of the 5 days total I've been subscribed to Bayantel DSL, 3 days are "intermittent internet service" -- currently it is OFF. ZERO mbps. Flatline. It is DEAD. I've been loading my stupid Smartbro pocket wifi to get internet (now data-capped at 800 mb), while I am subscribed to an "unlimited" plan -- how stupid is that? So yeah, if you are going to buy the Bayantel DSL UNLIMITED internet promise know that what they are actually selling is actually unlimited FRUSTRATION!
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UPDATE:
After that one week of TOTAL FRUSTRATION, Bayantel was finally able to hook my internet as advertised. I am now counting 2 weeks straight of ZERO internet disruption, at 2 mbps, and absolutely no data cap -- I would know, SmartBro's 800 mb data cap means I lose internet at 9 am (you read that right, 9 in the morning). Definitely getting what I am paying for. Not going to edit out my initial assessment above however, because I still believe it is highly unprofessional to take one week to hook up an internet connection. But hey, right now, I am HAPPY with Bayantel internet connection.
UPDATE: First billing
Got my first billing from BayanTel today. Apparently, because I complained vehemently for the days when I had no internet, I did not have to pay for those days.
Tuesday, May 20, 2014
Meralco refund
Sunday, May 18, 2014
Smartbro Pocket Wifi
I have been testing SmartBro's pocket wifi for about a week now. And as a device, I find it very useful and convenient. It's about the size and weight of an old Nokia phone, and has it's own independent power source (i.e. battery) and therefore quite convenient if you're on the move. This little gadget can sniff out Smart's broadband signal even in places where the old SmartBro USB stick can not, and this without the hassle of putting up a canopy or anything of the sort.
First four days at home and the pocket wifi was clocking at over 4 mbps! It was advertised as "up to 7 mbps" so 4 mbps within the Metro Manila area seems fair enough. At almost 2K Php, it's definitely a good buy.
Oh except for one issue, and I found about it, ironically, because the pocket wifi did clock at an almost constant 4 mbps the first four days of my seven day unlisurf load.
Fifth day of the seven day unlisurf load, and the pocket wifi was down to 200 kbps tops. So I called *888 (smart tech support) and reported the issue. Each time I called (I called three times) I get an immediate speed boost -- for about an hour or so and then it's back to 200 kbps or so. So I Google searched, and there I heard rumors of this mythical creature called the "Fair Usage Policy". While Smart has admitted to the existence of such a policy, they remain cryptic about the details of this creature -- how much is the cap? Talk about fine print! You need to be a psychic now, I guess. Just how fair is the "Fair Usage Policy" if Smart can not talk about it? Fine print using invisible ink, yeah, Smart, that seems fair!
Sunday, April 20, 2014
Is Smart trying to kill it's post-paid business?
So what would be the advantage of postpaid? That it is cheaper or was cheaper -- for Smart, at least. With Smart's new pricing scheme for the Smart Bro UNLISURF packages, prepaid is now the same price as postpaid. 1 month service is 995 Php, 15 days is 500 Php, and 7 days is 250 Php. That being the new pricing scheme of Smart, I am thinking, why would anyone want a postpaid contract with Smart now? What's the value in that?
The only logical answer is that Smart is moving it's business from postpaid to prepaid. It saves them the hassle of collecting the monthly payments. Prepaid is convenient not only for the consumers but even for the providers. It makes perfect sense.
Tuesday, April 15, 2014
Iwata Evaporative Cooler
First of all, after one year, my evaporative cooler is still working. I had been warned by some people that these coolers are fragile gizmos, prone to breakage and malfunction. Mine is working perfectly after one year use.
But do evaporative coolers work in the first place? Yes and no. If you are looking for an air conditioner, air coolers are definitely NOT the way to go. But if you are looking for a cheap way to cool off without having to pay the high price of electricity of an AC unit, you have to lower your expectations. My evaporative cooler is on the higher-end of the spectrum at around 6K Php but still, in no way comparable to an airconditioner.
But better than a fan at least? Definitely so. Just using unchilled water straight from the faucet will lower the temperature of the air being blown by the cooler to around 28 degrees Celsius. If you add 2 pieces of the 3 peso ice blocks you can buy from the sari-sari store, and the temperature will drop to as low as 22 degrees for about 3 hours depending on how hot the ambient temperature is.
So summertime, before going to bed, I load up my cooler with water and 2 to 3 pieces of sari-sari store ice, then I am set for the night. By the time the ice effect is lost, it would be around 11 pm at night and the ambient temperature will be cool enough anyway. So yeah, it is a pretty good appliance if you ask me. Just know what you are buying -- it is NOT an air conditioner, it is rather inconvenient loading the thing with water and ice, and electric consumption is comparable to running two traditional electric fans.
Be a Human Call Reviewer
But it takes a lot of patience. Payout for one phone call reviewed is just 2 US cents (amounts vary depending on what calls you review). And it takes around 30 seconds, on average, to properly label a call -- of course, while listening to calls, I'm on another tab reading internet stuff, reason I am a bit slow. So, in an hour, I make around 1.20 USD. And of course, if you are in the Philippines like me, it means that calls start coming in around 10 PM and ends at around 8 AM. So if you intend to make it to the leaderboard, some people actually make more than 30 USD, you have to stay up all night listening to calls.
So in conclusion, the site Humanatic.com is legit. They will pay you. You will earn based on your output. So it's a pretty solid income stream.
Tuesday, October 15, 2013
Push texts
So what are we, the hapless consumers, to do now? I average 2 text messages from Smart everyday, and 2 from BPI every week. It is a minor annoyance at first. But now that I have a baby, these push text messages are more than an irritant. They are a major hassle.
This is what I resolve to do. Whenever I receive a push text, I will call their free-toll help line. Clog that system just a bit. Let me harass that agent -- tell him/her that their push text just woke my baby up. Ask that agent to put my baby to sleep over the phone. You get the idea.
Hey, you are all welcome to join in the fun. Every little bit helps. They push their texts on us, we push back. Make it cost them.
Monday, August 26, 2013
CD-R King Wi-Fi Router
Bought one, tried it out and I'm happy with it.
A good mix of economy and functionality.
For those looking for a router while on a budget, I'd highly recommend it.
Monday, March 18, 2013
Chowking Meycauayan Review
Friday, March 15, 2013
Scribie
The internet is not a magical cash machine. Stop dreaming that it is. There is no form filling job that will earn you 20K USD a month. Any job that requires you pay a fee upfront is a scam. Don't even bother looking into it.
That said, it is possible to make a few bucks here and there online. But you have to work for it. Here is the real deal, the only upside of working online from home is that you don't have to dress up and commute, otherwise, online work is still work.
A quick way of earning a few bucks online is scribie.com. All you need is a computer with a fairly good internet connection, a good set of headphones, and a lot of patience. To get paid, you will also need a verified Paypal account. The job is transcribing audio files into text format. It is not rocket science. You don't even have to type that fast, as you are given 2 hours to transcribe 6 minutes of audio. You work only on the files you want to, when you want to. You are even given a 1 minute preview of the file before you have to select the job.
If you are interested, prepare yourself for a test, which is a paid test if you pass. Pay is 1 USD per 6 minutes of audio, which translates to 10 USD per audio hour transcribed. It will not pay for the rent, but it can pay for the internet and a little more. Downside to the site is that there are times when files are scarce. It is first come first served. Right now however, start of 2013, I see a good amount of files available.
Friday, February 15, 2013
Smart Bro complaint
by Neckromancer
Last week I called up SmartBro about my internet connection again. It seems to be that I can only get good connections between 1AM until 6AM. I prepared myself: I purchased a Smart SIM rather than waste prepaid credits from my cellular. I called them up on a Sunday afternoon, with Matt Monro in the background (I hate their hold music).
Before the agent told me to do troubleshooting, I told him that I already did those things. The issue at hand does not lie with my device, whether I got a router, or the location of my receiver. The main significant fact is the time I can get a good internet connection. It is just like 1997 that there's an off-peak time where I can connect. The poor agent can only mumble call center cliches to say sorry. He put me on hold, got back and told me there is an ongoing adjustments in our area, I barely believed it, being in the call center industry myself. Around us we get internet cafes without interrupted connections. And I am one of the first people in our area to apply for a postpaid connection with SmartBro. Should I pay more? Should I "upgrade" my connection to 4G? With no answers forthcoming, the whole experience only left me seething for the whole experience.
Tuesday, January 22, 2013
PLDT MyDSL Application
Frustrated with my current internet service provider, SmartBro, I wanted to try switching to another provider and sent out an online application to PLDT MyDSL. I realize of course that PLDT and Smart are practically the same, but I am switching to a post-paid service that will not be dependent on cell-sites but cabled.
So I sent out the application at least a week before Christmas last year. And they replied with an email yesterday. Yes, YESTERDAY. They took more than one month to give out a confirmation that they even received my application.
And so I replied, to the effect that -- it took you more than one month to reply to my email application, I wonder how long it would take you to respond to a tech-support request. No ma'am, I am no longer interested in your product.
The gall of these people! Does PLDT still think they have a monopoly the way they did during martial law? That they can sit on your request for a phone line for ten years, and still you would like to have their service because their crappy service is the only service in town? I'd rather suffer the up-and-down intermittent signal of my current ISP than give them my business.
Sunday, December 2, 2012
Update : Smart Bro and CDR King Wifi Router
After a whole afternoon of abuse, basically hard rebooting every 15 minutes or so, the CDR King wifi router finally gave up. I'm sure if I bring the thing to the store it can still be resurrected from it's current "factory reset" status, but then again, this is a symptom that the router has no longer much time to live. And that it would be too much hassle from hereon out.
Lucky for me, I know a friend who has upgraded his own internet service and as a result now owns a spare Smart Bro post-paid wifi router. And he let me borrow the thing. I just changed the post paid sim card with my own prepaid sim card, and that's it. The old post-paid Smart Bro wifi router is now converted to a prepaid wifi router. The service is still Smart. And as of last night, the signal is still intermittent. But for now, I have internet.
If Smart's service remains like this for the rest of the year however, I've already decided to get another internet service provider. I'm seriously considering BayanTel as I only need around 500 kbps -- BayanTel is promising "up to 768 kbps" for 899 Php monthly fee. I am willing to pay that price for a real 500 kbps or around 2/3 of that promise. I hope this is not another promise of "up to 2 mbps", when actually, you'd be lucky to hit 300 kbps on a constant basis, which is what Smart Bro is really about -- at least the past two months or so.
No excuses Smart, we are paying you the premium price so it is only right that we expect that you give us a premium service. I would've been happy if you had delivered on even just half of that promise. Although it is technically not lying, less than 500 kbps should never be advertised as "up to 2 mbps." That's just wrong.
Tuesday, November 20, 2012
Text overcharging
I will not go into the boring details of how the NTC came up with the price of 0.80 Php per text, which I think is still too expensive by the way, let me just say that the NTC is the government regulatory body. How dare these telecom companies ignore an order by the government. These companies are above and beyond the control of government?
Globe came up with a statement in the media that basically argued that the telecoms industry is a "free market therefore they are free to set whatever price they want". Okay Globe, you have a point. It is indeed a free market. And you have the right to set the price as high as you want. But oh wait, you are using the airspace in the Philippines? That belongs to the state -- the people if you will. Applying the same free market principle on you, we, the, the people, have decided to raise your rent of that airspace by 1,000 percent. Take it or leave it. You will not be missed.
As for the NTC, if you can not regulate these companies, then you have ceased being relevant. How dare you take your salaries when you can not do your job? You have only one job. If you can not do it, then please abolish yourselves and stop taking salaries.
Enough of this drama and just give me my refund!
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UPDATE:
Saw this on this news again yesterday, 8 May 2014. I noticed that this was posted originally on 20 November 2012. So the Telcos somehow managed to ignore the NTC for more than a year without consequence! Wow. Either crack the whip or abolish yourselves NTC -- you useless piece of drain on taxpayer's money. Stop taking your salary if you can not do your job. As of the news yesterday, the spokespersons of these Telcos are still saying they are going "study" the memo once they receive it.


