Image 1 — Unionbank Orange Card turned to UB Platinum Debit Card
Image 2 — Unionbank Orange Card turned to UB Platinum Debit Card

Unionbank Orange Card turned to UB Platinum Debit Card

Hi guys, I don't know if this is the community to ask this.

My UB debit card was my payroll account 2 years ago and about a year ago, nag decide ako na dito na ilagay ang savings ko because of the lock and unlock feature.

Recently, I noticed pag unlock ng card ko, naging platinum debit card siya.

I'm not sure what happened. I tried calling their Customer Service pero di ako maka connect sa CS nila.

I looked it up sa website nila and may lounge access daw which is a good additional sa MB World ko.

Anyone experienced this change? Were you able to use the lounge access?

Thank you.

u/-VA-1997 — 2 days ago
▲ 0 r/phlgbt

I invited someone to a date, but I canceled.

There's this guy from the city who I met before when I lived there. I invited him to my place and we only chatted. Like we didn't hook up. I hinetsly don't know what happened but I feel like we wanted to hookup that time but no one initiated so nothing happened. Also, when we chatted, we're like 2-3 meters away from each other. He's in the sofa and I'm on the dining area.

We planned to meet again outside for a coffee but I'm not sure what happened why it didn't happen. This was last year.

I already moved out sa city and lived sa province but we still have few conversations like kumusta lang and dun lang.

Yesterday, I was so horny and I he posted a photo, naked but hanggang may V part lang and na arouse ako. But instead of saying let's fuck, I invited him on a date. We already set the time. Around 4 pm yesterday, I released my horniness and suddenly, I no longer want to meet him. I don't know how to cancel it.

I went to the city but I don't really have the energy to meet with anyone. I canceled the date an hour before the meet up time.

I just said that I have to go home urgently. I feel bad but I feel like I'm not ready or I just don't like him enough or it was just my horniness taking over.

Not sure if we'll ever meet or chat again. But I guess, sometimes you have to assess your feelings first before jumping on a date.

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u/-VA-1997 — 12 days ago

Panoramic and Periapical X-rays in Downtown CDO

Hi guys, I don't know if anyone needs help where to get these x-rays downtown.

As someone who doesn't live in CDO, it is a bit of a hassle to find clinics who does the procedures.

- Panoramic x-ray:

Polymedic gateway. Grabe kadali, like it took me less than 10 mins, gisend na dayon ang result. Price is P1200 if soft copy. If included ang hardcopy, P1400. It is a bit expensive but the xray is very detailed.

Heathy smile (SM dt). Super smooth and dali ra gohapon ang process but if this is for your wisdom teeth, I wont recommend it kay dili maklaro sa ilahang result. Pero if sa front teeth, this will do na. Price is P650.

- Periapical xray:

Premea dental (likod ayala). Ganahan kaayo ko diri ay. Boutan kaayo ang staff and doctor. Like 100/100 akong irate based on my experience hahaha. Price is P500 per tooth exposure.

Hope this helps. If naa pod moy ma suggest guys, feel free to comment below to help other people who live outside cdo. The cheaper, the better.

Thank you!

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u/-VA-1997 — 12 days ago

Dental Clinic that has Panoramic Xray in CDO

Hi guys, I'm planning to get my wisdom teeth extracted but the dentist asked me to get a panoramic Xray.

I am about an hour away from CDO and would appreciate for you suggestions where I can do panoramic Xray sa akong teeth.

Tried searching but no luck.

Also, how much is the estimated cost for the Xray?

Thank you.

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u/-VA-1997 — 17 days ago
▲ 53 r/phlgbt

Angkas/Move It/Joyride Drivers with ES

Hi guys, ever since my awakening, may something talaga ako sa mga construction wokers, men in uniform, drivers, daddies etc. Basta yung moreno tapos barako, basta yung mga ganyang beauty. Pero hanggang pagpapalad lang talaga ako.

I was scrolling sa feed ko sa facebook when I suddenly saw a group na mga riders that offer ES. Since sa facebook ko talaga siya nakita, ayoko namang mag join dun as I might expose myself. Gumawa ako ng bagong facebook para mag join ang damn! Ang daming daddies and yung mga trip ko talaga pagpapalaran.

So I started chatting with some of them and usually may mga asawa na and what shocks me is yung fb talaga nila yung ginagamit nila pang chat, yung iba may pictures pa nga asawa at pamilya nila.

I am not planning on engaging with them sexually. I just got curious. Alam kong hindi ako mag eenjoy if ever kasi alam kong papa chups lang sila ang papasokin na and yung foreplay talaga mas gusto.

Yun lang naman, nashock lang ako na may ganon na group.

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u/-VA-1997 — 2 months ago

New Balance and Sketchers Combo

Hi guys, I recently bought these shoes:

Sketchers Max Cushioning Premier 3 for 3k+

NB FeulCell SC Trainer v3 for 4.7k

Yung NB Fresh Foam X More V5 ang ginagamit ko since October last year (start ng running era). Hindi ko ako nag tatrack ng mileage but I know kailangan na niyang palitan.

Hindi ako nag research kung ano yung magandang shoes ang gagamitin. Pagpunta ko rin kasi sa store, walang stock yung size ko kaya ito na nabili ko.

Pansin ko rin na wala masyadong gumagamit ng sketchers masyado.

Good buy na ba to? I bought these in HK pala, not sure if same ng price dito sa PH.

Also, any thoughts about these shoes? Once a week lang ako tumatakbo and the rest of the week is walking. 10 km lang usually at kung sinisipag, mag 15km.

u/-VA-1997 — 2 months ago

Metrobank World Mastercard Multiplier, Forex Fee, & Crossborder Fee

Hi guys, sobrang na amaze lang talaga ako sa MB World. I had 3k points before travelling internationally and nung nakauwi na ako, I checked my points and nadadagan ng 10k points.

Sobrang dali pala maka earn ng points. Mas pinili ko to over the TVS kasi mostly spending ko is online and travels.

Right now, may 13k points na ako kahit di pa nag 6 months tong card and pwede ako maka redeem ng 4k mabuhay miles. Not sure if that's enough to cover 1 domestic flight.

Ginamit ng kaibigan ko ang BPI cc niya mas maganda yung conversion niya, both are 1.85% forex fee. We paid almost the same amount and at the same time rin. May difference na P0.2 yung conversion, mas mababa si BPI.

With the crossborder fee naman, we booked most of our activities sa agoda because it is cheaper than klook. 1 lang nabook namin sa klook. Nashock ako when I checked the transactions sa card. Magkaiba ang nadeduct na amount from the actual price. May 1% na crossborder fee if agoda. Si klook naman walang crossborder fee pero mas mahal lang talaga siya.

Yun lang naman, ang dami ko pang dapat matutunan.

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u/-VA-1997 — 2 months ago
▲ 280 r/phlgbt

My Australia Grindr Encounters

So I recently went to Australia and out of curiousity, I tried installing Grindr. I just realized how most of them are just really open about heir sexuality because they really put their faces sa profile nila.

Dahil once in a lifetime naman yung ganitong opportunity, grinab ko na ang activated my hoe self.

1st encounter ko was with an indian guy. Hindi pala lahat ng indian daks (juts and uncut) and they do have a smell. I feel like natural na yung amoy na yun like he's clean and all but may something talaga. He's been living their for years na and meron parin yung smell kaya masasabi ko talaga na natural body smell nila yun. Nag sides lang kami kasi walang condom. He's in his early 30s. 6/10

2nd encounter ko was with a Laotian. He's uncut and probably nasa 6 inches. Ang usapan namin suck lang but he fucked me, he came really fast. He's on his early 30s. 6/10

3rd encounter ko was Australian, not sure if he's married but I feel like widower siya. He's 60+ and he's cut. I just sucked him, hindi na ako nagpa fuck because nagmamadali na ako. 7/10.

4th encounter, Australian din. He's 37 and 7+ inches. Short time kasi hindi kumasya. Yung dick niya is maliit yung ulo tapos malaki yung sunod tapos lumiit. Idk if ma visualize niyo. Hanggang ulo lang ang kasya. Yung kiss is smack lang. Saw his phone after and his wallpaper is his family photo with wife and children. Damn. Appearance is 10/10.

5th encounter is also Australian. He's 57 and he looks like the daddy sa mga porn. 100/10 hitsura and performance. It was the biggest dick I've tried parang nasa 8 inches ata yun. Kumasya to dahil even yung surface ng dick? Lol basta yung straight lang, walang part na malaki. Na fulfill yung porn fantasies ko.

Feeling ko, most of them don't care much about the appearance ata or I feel like they view other races' beauty differently. Hindi lang talaga ako nareject doon unlike sa pinoy grindr users.

Yun lang.

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u/-VA-1997 — 3 months ago

From solo living in the city to living with family sa province

Growing up, I never had a room of my own, it's either I share it with my brother or my sister. I even remembered sleepi g in our living room.

When I started working in 2021, I was already living independently in the city but not really alone as I was earning around 10k per month way back and I can only afford a bedspacer.

In 2022, there was an opportunity in another city 15k per month which I grabbed because there's a 10k increase after a year. I was living with my cousin back then to lessen our expenses.

In 2024, I landed a wfh job which has a decent pay., But since di ako pwede sa bahay namin dahil maraming manok and dogs, I ended up living sa nearest city. For the first time in my life, nagkaroon ako ng sarili kong space. I rented a 1 bedroom apartment and other things para comfortable ako. It was also my first time na makatulog every night na may aircon.

Living solo really made me realized how peaceful it is. It was really nice as I can literally do anything I want. But, na realize ko wala akong ipon. I had to pay for everything. Hindi naman kinakain ng bills ko yung sahod but for some reason wala akong pera. Hindi ako maluho but I really love to eat. There's a time na first time ko chineck yung credit card statement ko and I realized I was sepndi g 4-5k from ordering sa grab or foodpanda. Iba pa yung groceries ko and iba pa yung pag dine out with friends ko.

For context, here's my expenses that time.

Rent - 8500

Water - 350

Electricity -2k-3k

Internet - 1699

Insurance - 2300

Gym - 2000

Groceries - 12000

Meds - 2500

Grab/FP - 4k-5k

Dine out - 5k

Allownace - 5k

Despite these expenses meron pa namang natitira sa sahod but damn, I never knew I spent so much until I tracked my expenses. I also feel broke that time.

I knew I had to do something and the only solution is for me to go home back sa province. I took out a loan sa credit card (less than 200k) ko to renovate the tindahan dati sa tabi ng bahay namin and I made it as my room. I bought my own aircon and a 14k noise cancelling headset. Idk what happened but I had 450k debt sa credit card ko. Never pa naman ako nag overdue and this month, I only have 47k left na utang.

Yung expenses ko dito sa bahay:

Meds - 630 (my condition improved)

Internet - 1699

Electricity - 2k-3k

Allowance - 5k

Insurance - 2300

Phonebill - 1.5k

I can now save the rest of my sahod and invest some of it.

Here's the thing. I wanna move out again. I just realized na nacocompromise yung mental health ko. There are ALOT of problems dito sa bahay only because their problem becomes my problem. And I hate it. One thing that's holding me back is the potential of saving more of my salary.

I might just have to stay here for another year or two until I can finally afford living solo again. I might also find another job that pays more too.

I really love living alone dahil sarili ko lang pinoproblema ko but I also feel like I need to learn a lot in managing my finances. Ngayon ko palang nafeel yung sahod ko.

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u/-VA-1997 — 3 months ago

BPI Visa Signature - No Global Lounge Access

About a month ago, a credit card agent approached me at the mall. I didn't want a basic card since I already have 5 NAFFL cards and the MB World MC, so I specifically asked the agent to apply for the BPI Visa Signature.

Last week, BPI texted me that they are evaluating my application. When I was working earlier, I did some searching about BPI Visa Signature and I just found out that it actually doesn't have International Lounge Access. I thought this was a great card since a lot of people are praising it. Kinda disappointing. Just hoping that my application doesn't get approved. I might just have to cancel the card if it gets through.

It's nice since there's Marhaba in Terminal 3, but the annual fee is expensive, and the complimentary international lounge access is really what I was after. I hope they add that in the future.

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u/-VA-1997 — 3 months ago