PT2, you are right .. AC Is for cheapest charlies .. as I wrote before ..
And diving, actually, with the BCD, you don't need to even know to swim .. the BCD will help you to float or sink ..
And for things in Phil, never happening on time, an American had this to say:
As a full resident, he had bought a property, fully paid up, worth 30 million peso.
He wanted to mortgage the property, for a loan of 10 million, to invest in a business. And almost 1 years since he asked the banks to appraise and advise, and as of now, no reply .. and "don't worry sir, we are working on it, our Customer is our priority .. "
Now, if you ask a bank here, to fully mortgage and lend 30% of your property value, how long do you think it will take ? A week, or two before they make their offer ? After all, 30 mil property (1 mil S$) is a lot of money for any 2 cents brain bank to take as collateral .. right ??
His conclusion, is, while they banks are willing to lend money to low risk ventures, they just don't want to take any risk in medium risk venture .. or even any financing, in case the rich billionairres loose money .. and stick to 'least risk ventures ' and also keep the foreign banks hands tied, so they too can't help grow home-grown businesses ..
so, if you pledge 1 mil US $ property and ask for 100K US $, it will be better .. or some sorts .. and the banks main revenue is not commercial financing .. it is "REMITTANCE" .. end of the day, banks are to not help the economy .. though all the banks are privately owned .. they are there to only make the rich fatter .. and richer ..
In Pinoy Land, the mega banks are all owned by the big time cronies .. and they think 6 months wait is good .. if not better .. ah .. sorry, at every advert, they remind people they are not to make money, but to 'help people', like, charging to withdraw money in your home ATM (and forcing people to draw more money and get mugged .. ) and a super efficient mobile network that doesn't, for fxxks sake, auto roam .. you need to turn on roaming, and off roaming .. for the mobile networks which were praised for their contribution to the nation, while not investing in even outdated technology .. ah, come on .. no tracking of SIM card ownership .. and nothing at all .. even the president got a scam text, and all he could do was laugh it out .. knowing even the Philippines Finest can't trace who sent the scam text .. so, instead of catching scammers, they just make it headline news as comedy of the day ..
I don't blame them ..