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3Million Pesos

dppp98dppp98 SydneyPosts: 2Member
edited November 2012 in General
Mga kababayan, hingi po ako sana ng advise nyo.

Meron ako makukuha na 80,000 AUD para pambayad sa mga utang dito sa australia (karamihan e credit cards). Naisip ko po na umuwi na lang ng pinas at kunin ang pera na ito (3.3 million pesos) at mag negosyo sa atin. Imbes na ibayad ko sa mga utang, ipapa ayos ko ang bahay namin sa pinas at gagawin kong paupahan.

Meron akong dalawang anak at mga kapatid na pinapa aral.

Alam kong masama ang binabalak ko pero para sa kapakanan ng pamilya ko lang ang iniisip ko....

advise naman po. maraming salamat.

Comments

  • aldousnowaldousnow Sydney
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    the end does not justify the means.

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  • BryannBryann Sydney
    Posts: 854Member
    Joined: May 27, 2011
    Medyo mabilis ang karma brother, like you've said.. meron ka mga anak at kapatid. And matagal-tagal ka guguluhin ng kunsensya mo. Without even thinking, hindi ko gagawin yun balak mo if I were you. Don't do it.

    Occupation: ICT Software Engineer (ANZSCO 261313)
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  • li_i_renli_i_ren North Ryde
    Posts: 434Member
    Joined: Oct 13, 2012
    edited November 2012
    the credit card companies can file criminal charges against you which will ban you from ever working outside the philippines again kasi criminal case lalabas po yan and not a civil case.
    3 million is nothing.. it will be gone in as little as 3-5 years, trust me that's absolutely nothing. kahit sa pinas.. a million does not give you a comfy life anymore. the cost to fix your house will be around a quarter of a million..eh kahit camilla homes ngayon nasa 1 million plus na eh. bahay bah yan ng ibon if you think na 3 million will be enough to build a house?

    then there's expenses and etc.
    how much na tuition sa school ngayon? for 2 kids.. minus mu yan sa 3 million mu.. ilang years lang yan sa tuition? then how much na ngayon kotse im sure you will buy one kasi millionaire na feeling mu? kahit 2nd hand..mag kano na bah..minus mu yan sa 3 million mu. then how much do you think will be left? how long do you think 3 million will last??

    tapos if hanapin ka ng mga credit card company or sino galing yan 80 thou aud mu.. do you know a lawyer cost about 10 thou pesos per appearance in court? kahit 1 hour lang sila ka korte.. 10 thousand pesos na yan! so minus mu yan sa 3 million mu...

    or let say..d ka nila mahanap kasi naka tago ka.. pero how much do you think it will cost you para magtago??

    mahina ka ata sa math if you think with 3 million pesos solve na buhay mu.. hahahaha!
    some ofw have this mentality that they have reach a million they are rich na.. but to be honest, yan ang reason based on a study i read bakit yung mga ofw natin sa saudi even after working there for 10 years, they still don't have their finances sorted because they are not money smart.

    let's say mag business ka .. 3 million yung capital mu. eh wait, maraming minus na pa la yung 3 million mu so magkano kaya will be left for capital?

    business is a hit and run business.... hindi lahat ng business will make it. trust me, my family has business in our blood. sa pinas, to be able to make it and sustain it, you need to go big time.. 3 million is nothing...!

    ma uubos lang yan and if you run away with your million..where and how will you get the chance to get the same amount of money again?

    and whoever you got the 80 thou aud from.. they will surely come after you. pinas and oz, they have good relations po so meaning if you have a case in oz they can request the philippine govt through the nbi to catch you and stand trial.. so there isn't really a place to hide.

    and i don't think 3 million is worth going to jail for.. my god, that's just like stealing a pajero brand new and then you try to resell it but you won't get the same amount anymore.
  • hotshothotshot Sydney
    Posts: 1,643Member
    Joined: Nov 10, 2011
    ako din po naniniwala sa karma. kung gawin nyo yan...baka makaluwag kayo ngayon...pero babawian din kayo nyan balang araw. pagnanakaw po yan. don't do it.

    Occupation: Analyst Programmer (ANZSCO Code 261311)
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  • li_i_renli_i_ren North Ryde
    Posts: 434Member
    Joined: Oct 13, 2012
    also..how were you able to get a credit card debt that big?? diba po sign nyan na if you were able to manage to be in debt with that huge amount.. even umuwi kayo with 3 million pesos, malaki ang chance na you will still be debt later on in life?

    also if you don't pay off your credit card.. sa credit checks po highly unlikely you will ever get a new credit card even sa pinas and also po hindi na po kayo makaka alis nyan sa pinas.

    also if your kids grow up and they get nbi clearance or what to go out sa pinas.. baka po ma sabit sila dahil sa inyo..nasa birth certificate po yung pangalan mu for them to apply for passports/ nbi clearance.

    if you do this now.. you are not thinking of your kids' future. it's kinda selfish thing to do.. mayaman ka for a while..pero long term how will it affect you and your family??
  • BuhaySGBuhaySG Singapore
    Posts: 22test role
    Joined: Nov 07, 2011
    @dppp98 Bro, i think you need to think in it all through, pwede natin mabigay ang magandang buhay sa pamilya natin with that amount. but most likely that will only be temporary. naisip mo rin ba if ever maging ok ang plan mo. e hindi magiging mabigat sa kalooban mo or conscience mo lahat ng mga nangyayari?
  • dppp98dppp98 Sydney
    Posts: 2Member
    Joined: Nov 15, 2012
    Thank you sa lahat ng nag comment. Yung 80000 ay combination ng iba ibang card. Hindi ko po sya utang talaga. Tulong ko po yan sa kaibigan ko. Ginamit lang namin ang card ko para sa kanya. Binayaran nya na po ako. Pero hindo ko pa ibinabayad sa mga credit card.

    Pasensya na po kung naiisipan ko pa na itakbo. Nakakasilaw kasi ang pera. Naisip ko e hindi naman ako mahahabol sa pinas. At kapag natayo na yung boarding house, meron na kaming pang gastos sa aming basic needs. Yung matitira e para sa pag aaral ng mga anak ko at kapatid. Tapos, e mag tratrabaho pa rin ako sa pinas.

    Maliit lang po ang sweldo ko dito sa australia at eksakto sya para sa aming lahat. Konti lang po ang ipon ko at aabutin pa ng 5 to 10 years para mapagawa ang bahay namin. Hindi po ako maka ipon at sa unang tingin e eto yung madaling paraan....
  • glaiza1210glaiza1210 Sydney
    Posts: 314Member
    Joined: Mar 22, 2012
    If I were you, pambabayad ko talaga ng utang yung AUD80,000 then work nlang jan sa AU para makaipon or totally mabayaran lahat ng utang. Sa totoo lang po lalong humihirap ang buhay dito sa pinas at mahirap makahanap ng isang trabaho na well compensated. Lahat ng bilihin mahal, yung Php3.3M mo saglit lang yun dito lalo na kung may pinapaaral ka. If you are thinking to put a business, walang assurance po na magiging successful yung business na pinaplan mo at kung magiging successful man not on its first 2, 6 months even on the 1st year (unless kung illegal yung business mo). At least kung anjan ka sa AU, nagwowork ka at may income na sure at nabayaran mo pa mga utang mo hindi ka pa makokonsensya. Dba masarap yung feeling na nakakabayad ka sa mga utang mo? Napaka bilis maubos ng pera kahit millions pa yan lalo na kung walang pumapasok na pera puro palabas lang lahat....What you think right now is just a temporary and bad solution after few years you'll be facing bigger problems.

    Occupation: Industrial Engineer
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  • glaiza1210glaiza1210 Sydney
    Posts: 314Member
    Joined: Mar 22, 2012
    Thank you sa lahat ng nag comment. Yung 80000 ay combination ng iba ibang card. Hindi ko po sya utang talaga. Tulong ko po yan sa kaibigan ko. Ginamit lang namin ang card ko para sa kanya. Binayaran nya na po ako. Pero hindo ko pa ibinabayad sa mga credit card.

    Pasensya na po kung naiisipan ko pa na itakbo. Nakakasilaw kasi ang pera. Naisip ko e hindi naman ako mahahabol sa pinas. At kapag natayo na yung boarding house, meron na kaming pang gastos sa aming basic needs. Yung matitira e para sa pag aaral ng mga anak ko at kapatid. Tapos, e mag tratrabaho pa rin ako sa pinas.

    Maliit lang po ang sweldo ko dito sa australia at eksakto sya para sa aming lahat. Konti lang po ang ipon ko at aabutin pa ng 5 to 10 years para mapagawa ang bahay namin. Hindi po ako maka ipon at sa unang tingin e eto yung madaling paraan....

    Hwag ka po papasilaw sa pera, in time you will earn more at makakaipon ka din kahit pakonti konti, Konting tiis bro. Kung maliit ang sahod mo jan sa AU, what more dito sa pinas. Do you think you will earn better here than there? God will provide....Just pray and work hard :)




    Occupation: Industrial Engineer
    11/05/2011 - IELTS exam at BC (L-6.5,R-6,W-6.5,S-6.5)
    02/06/2012 - EA received my CDR
    04/17/2012 - Received Favorable Letter from EA
    04/21/2012 - IELTS exam retake at IDP (L-8, R-6, W-6.5, S-6)
    07/03/2012 - Applied online for SA Statesponsorship
    08/13/2012 - SA SS approved
    08/16/2012 - Received an invitation in skill select
    09/11/2012 - Lodge a visa subclass 190
    09/13/2012 - Acknowledgement Receipt & Medicals Requested
    09/19/2012 - Medicals Done
    12/11/2012 - Medicals Finalised
    12/14/2012 - Visa Grant
    03/18/2013 - Flight to Adelaide
    04/22/2013 - Got my first Job

  • aldousnowaldousnow Sydney
    Posts: 494Member
    Joined: Nov 16, 2011
    atsaka baka magulat na lang kami nandito na sa thread na to name mo.

    http://pinoyau.info/discussion/784/pinoys-who-made-it...#Item_12

    hindi din magandang halimbawa at kasiraan din sa ibang pinoy dito.

    Skilled – Family Sponsored (Migrant) Visa (Subclass 176)
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  • lock_code2004lock_code2004 Perth
    Posts: 5,037Member, De-activated
    Joined: Feb 23, 2012
    @dppp98 - ibayad mo na lang po..

    marami na ang ganyang istorya sa UAE.. noon dahil sa sobrang luwag ng bank giving credit cards with very high limits (as high as 1.5Mphp), approving loans as much as 3Mphp.. in total, you can get as much as 4.5M pesos...

    marami ang na-engganyo, marami ang tumakas pauwi ng pinas...

    ngayon, ang isang resulta na-ban na ang mga pinoy sa entering UAE, na-ban ang mga pinoy sa bangko, paghindi ka-gandahan ang company, hindi ka makakakuha ng credit card... at meron talgang bangko na hindi talaga sila nag-accept ng pinoy... ang laki ng effect sa ating lahi..

    i've heard some stories, na merong tumakas na pinoy, tapos nag migrate. One time, pauwi yata sya pinas galing dun sa country na pinagmigrate nya, nag-emergency landing ang plane sa UAE, nahuli sya at kinulong...

    nagloan din ako, pero hindi ako tumakas, kahit wala na ako sa UAE, binayaran ko sya monthly..
    dahil alam ko na hindi lang sa akin ang effect nun pag tumakas ako, ang bilis ng karma ngaun.. digital na...

    Sep 24, 2011 - IELTS (L-8 R-8 W-8 S-7.5 : OBS-8)
    Jan 04, 2012 - EA application submitted | Feb 23, 2012 - EA assessment result (IE ANZSCO 233511)
    May 8, 2012 - Lodged GSM 175 online application | June 4, 2012 - CO Allocated
    June 22, 2012 - Medicals Finalized | Aug 30, 2012 - PCCs Completed (PH, UAE, USA)
    Sep 3, 2012 - Visa Granted (IED Jun 11, 2013) Thank You Lord!
    Oct 16-28, 2012 - Initial Entry Completed - Sydney
    July 28, 2013 - Final move to Perth
    Sep 9, 2013 - Started work with the same company i worked for in UAE/USA
    Oct 28, 2013 - Moved to another company.. ;)

  • nylram_1981nylram_1981 Sydney
    Posts: 255Member
    Joined: Jun 23, 2011
    naku,,saglit lng yan ubusin dito sa pinas!
    kahit sabihin nilang mababa cost of living dito satin, ang kita naman ng tao dito di sapat sa mga basic needs.

    MAIN Applicant: ME - 262113 Systems Administrator, Jan2012 / IELTS: Proficient
    Secondary: Husband - 312211 Civil Engr Draftsperson, Mar2011 / IELTS: Competent
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    Thank u lord :)

  • MetaformMetaform Melbourne
    Posts: 506Member
    Joined: Jul 15, 2011
    edited November 2012
    Ang dami nyan dito sa Dubai. Hanggang ngayon tinatawagan at pinupuntahan pa rin ang opisina namin ng mga credit collectors para hanapin yung mga nangutang na umuwi na sa Pinas. Nakiki-coordinate na rin ang mga local banks sa mga agencies sa Pinas para maghabol sa mga ito.

    Maaring nakapag-uwi ka nga ng malaking maliit na halaga pero kapalit nito ay paranoia na bigla ka na lang i-grab sa airport dahil may kaso ka. Yung isang dating ka-opisina ko na may tinakbuhang utang dito sa UAE, may offer sya sa Qatar pero natatakot syang baka damputin na lang sya sa airport. Mahilig kasi ang karamihan sa atin sa "one-time big-time" na deals. Think of the long-term consequences.

    Tsaka ipagpapalit mo sa Pinas ang buhay mo sa Oz? Most of us in this forum are fighting tooth and nail to claw their way out of the Philippines, tapos ikaw kabaligtaran ang iniisip mo? Huwag kang ma-distract sa pera. Stick to the plan. Eyes on the prize!

    CO and Visa Grant: 9 Oct 2012
    The beginning of the rest of our lives: January 4, 2013

  • JClemJClem Melbourne
    Posts: 528Member
    Joined: Jan 08, 2011
    edited November 2012
    @dppp98, pay your obligations. Mas pipiliin ko ang peace of mind. :)

    Nominated Occupation: Software Engineer (261313) - Husband is the primary applicant.

    10.21.2012 - Arrived in Melbourne. This is the day that the Lord has made. :)
    03.26.2012 - Visa granted. God is good, all the time! All the time, God is good! :)
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  • icebreaker1928icebreaker1928 Sydney
    Posts: 1,455Member
    Joined: Apr 26, 2011
    edited November 2012
    @dppp98 - ibayad mo na lang po..

    marami na ang ganyang istorya sa UAE.. noon dahil sa sobrang luwag ng bank giving credit cards with very high limits (as high as 1.5Mphp), approving loans as much as 3Mphp.. in total, you can get as much as 4.5M pesos...

    marami ang na-engganyo, marami ang tumakas pauwi ng pinas...

    ngayon, ang isang resulta na-ban na ang mga pinoy sa entering UAE, na-ban ang mga pinoy sa bangko, paghindi ka-gandahan ang company, hindi ka makakakuha ng credit card... at meron talgang bangko na hindi talaga sila nag-accept ng pinoy... ang laki ng effect sa ating lahi..

    i've heard some stories, na merong tumakas na pinoy, tapos nag migrate. One time, pauwi yata sya pinas galing dun sa country na pinagmigrate nya, nag-emergency landing ang plane sa UAE, nahuli sya at kinulong...

    nagloan din ako, pero hindi ako tumakas, kahit wala na ako sa UAE, binayaran ko sya monthly..
    dahil alam ko na hindi lang sa akin ang effect nun pag tumakas ako, ang bilis ng karma ngaun.. digital na...
    hahahaha... sumasabay pala ang karma sa technology... like...
    nice advice guys...

    3Million? saglit lang yun... maholdap ka lang sa airport natin or ng kamag-anak mo ubos na yun :D
  • aldousnowaldousnow Sydney
    Posts: 494Member
    Joined: Nov 16, 2011
    I think @dppp98 already got our point. Hopefully gawin nya kung anong mga advice man ang naishare dito. Cheers mate!

    Skilled – Family Sponsored (Migrant) Visa (Subclass 176)
    Nominated Occupation : Developer Programmer (261312)
    02/28/2011 - ACS Finalized the Case (261312, PIM3, Group A)
    03/07/2011 - IELTS Result Received L- 6.5, R-7.0, W-6.0, S-7.0, Overall Band Score-6.5 (BC)
    03/13/2011 - Lodged Visa Application (Online)
    11/09/2011 - CO Allocation
    12/02/2011 - Medicals Finalised
    12/02/2011 - FINISH LINE!! (Visa Grant)
    03/23/2012 - My first day @Melbourne
    04/14/2012 - Started looking for a .Net Developer job
    06/04/2012 - And finally got one! :)

  • lock_code2004lock_code2004 Perth
    Posts: 5,037Member, De-activated
    Joined: Feb 23, 2012
    oo digital na.. kita nyo ung girl na nanigaw ng LRT or MRT guard.. trending topic #AMALAYER..
    o diba digital... bilis kumalat...

    Sep 24, 2011 - IELTS (L-8 R-8 W-8 S-7.5 : OBS-8)
    Jan 04, 2012 - EA application submitted | Feb 23, 2012 - EA assessment result (IE ANZSCO 233511)
    May 8, 2012 - Lodged GSM 175 online application | June 4, 2012 - CO Allocated
    June 22, 2012 - Medicals Finalized | Aug 30, 2012 - PCCs Completed (PH, UAE, USA)
    Sep 3, 2012 - Visa Granted (IED Jun 11, 2013) Thank You Lord!
    Oct 16-28, 2012 - Initial Entry Completed - Sydney
    July 28, 2013 - Final move to Perth
    Sep 9, 2013 - Started work with the same company i worked for in UAE/USA
    Oct 28, 2013 - Moved to another company.. ;)

  • hotshothotshot Sydney
    Posts: 1,643Member
    Joined: Nov 10, 2011
    @lock_code2004 : ang tawag dyan...."iKarma". :)

    Occupation: Analyst Programmer (ANZSCO Code 261311)
    May 21 2012 - lodged visa 176 (NSW) online application
    May 30 2012 - CO allocation
    Jul 16 2012 - Visa Granted! (IED Deadline: May 16, 2013)
    Jan 19 2013 - Arrived in Sydney
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    Mar 11 2013 - Officially became a "HOUSE-BAND" :)
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  • rbolanterbolante North Ryde
    Posts: 247Member
    Joined: Jul 05, 2012
    If i may add:

    "Di bale na mag-zero huwag lang mag-negative."

    This is one of the principles that I live by. Iba pa din ang peace of mind na idudulot syo pag wala kang kautang-utang sa katawan. Kaya ako kahit walang ipon ok lang basta wala naman akong utang. :-)

    Skilled – Family Sponsored (Subclass 176)
    Software Programmer (261313)

    05/03/2012 - Lodged visa application (Online)
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    06/11/2012 - Medical exam at NHSI
    06/28/2012 - PCCs submitted
    07/03/2012 - Health requirements finalised
    07/13/2012 - Visa granted (IED: 06/19/2013)

    Thanks be to God!!! :D

  • issaissa Melbourne
    Posts: 194Member
    Joined: Jul 29, 2011
    Eto sabi mo Sir....

    Meron akong dalawang anak at mga kapatid na pinapa aral.

    Alam kong masama ang binabalak ko pero para sa kapakanan ng pamilya ko lang ang iniisip ko....



    Sir, nararapat lamang na gawin mo ang tama dahil para yan kapakanan ng pamilya mo. Barya na lang ang halagang 3M sa panahon ngayon. Pag nag break down ka ng mga gastos sa pag aaral pa lang...baka ilang sem lang yan 3M sa college. kaya ibayad mo na lang yan sir sa utang at huwag sayangin yung opportunity mo sa AU, In time lalaki rin sahod mo, wag lang mainip. :)

    Skill nominated :262113 Systems Administrator|Oct 12, 2011 -Submitted documents to ACS|Oct 28, 2011 -ACS result ( Comparable to an Australian Bachelor's Degree)|March 31, 2012- IELTS Exam|April 13, 2012 -IELTS Result ( R-7.5 L-7.5 W-6.5 S-7.5=OB=7.5), requested for remarking but no change|July 01, 2012- EOI submitted|Aug 02, 2012- Submitted SA SS ( visa 190)|Nov 06, 2012 - SA SS approval and 190 Invitation :) | Nov 08,2012- Lodged 190 visa|| Nov 23,2012- Visa Grant! Thank God, Almighty! :)

  • LittleBoyBlueLittleBoyBlue North Ryde
    Posts: 334Member
    Joined: Sep 03, 2012
    Think long term, liliit mundo mo once mag-start ka na mag-tago, in the end, pamilya mo rin maapektuhan kasi kakaunti na options mo. Isa pa, meron ng interpol kapatid. Kung AU nag-bigay sayo ng opportunity, bakit mo sisirain dba? You'll kill the goose that lays the golden egg. Mas maganda pa i-analyze mo finances mo and see how you can save A$ 80K in the fastest time possible.

    Hindi pa natin napag-uusapan yung damage sa image ng mga pilipino at pilipinas, high risk na nga tayo ngayon sa AU baka maging highest risk na at alam na nilang ginagawang takbuhan ang pilipinas ng mga ayaw mag-bayad ng utang.

    ICT Business Analyst - Visa 189 Granted Oct 2012

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    kung balak niyo pumirmi sa Pilipinas, puwede niyo nang hindi bayaran utang niyo sa credit card kasi wala tayong matibay na batas sa mga ganito..at kailangan niyo rin magtago na parang tulisan hehehe.pero pag balak niyo mangibang bansa pa...isettle niyo po yun kasi makikita sa credit history yun. Kung sira na CH niyo, mahihirapan na kayo sa kahit anong application sa bangko etc.
  • PogingNoypiPogingNoypi Melbourne
    Posts: 238Member
    Joined: Mar 01, 2012
    kung balak niyo pumirmi sa Pilipinas, puwede niyo nang hindi bayaran utang niyo sa credit card kasi wala tayong matibay na batas sa mga ganito..at kailangan niyo rin magtago na parang tulisan hehehe.pero pag balak niyo mangibang bansa pa...isettle niyo po yun kasi makikita sa credit history yun. Kung sira na CH niyo, mahihirapan na kayo sa kahit anong application sa bangko etc.
    This is correct. Kung ito yung balak nyo na talaga sa Pinas at OK lang po sa inyo yung pakiramdam na paranoia pwede nyo naman di bayaran. Kaso iba pa din ang pakiramdam ng nagbabayad (maski hulugan) at walang tinatakasan.

    Dito sa States may utang din ako sa Credit Card pero I plan on paying it even nasa Aus ako. Wag na po dagdagan ng kamalian at isang pagkakamali.

    March 5 - ACS submitted......
    March 20 - ACS result.. Suitable (Analyst Programmer)
    March 10 - IELTS Passed!
    June 23 2012 - Sent my paper based application to Adelaide.
    June 26, 2012 - DIAC received and sent a receipt.
    August 9, 2012 - Received Medical and NBI Clearance Request.
    August 10, 2012 - Had a Medical Exam on a Panel Doctor
    August 13, 2012 - NBI Clearance application.
    August 23, 2012 - Medical Results was submitted by the Panel Doctor.
    September 2, 2012 - NBI clearance received by DIAC.
    Visa Grant! - September 6, 2012!!!
    ...........

  • PogingNoypiPogingNoypi Melbourne
    Posts: 238Member
    Joined: Mar 01, 2012
    Eto sabi mo Sir....

    Meron akong dalawang anak at mga kapatid na pinapa aral.

    Alam kong masama ang binabalak ko pero para sa kapakanan ng pamilya ko lang ang iniisip ko....



    Sir, nararapat lamang na gawin mo ang tama dahil para yan kapakanan ng pamilya mo. Barya na lang ang halagang 3M sa panahon ngayon. Pag nag break down ka ng mga gastos sa pag aaral pa lang...baka ilang sem lang yan 3M sa college. kaya ibayad mo na lang yan sir sa utang at huwag sayangin yung opportunity mo sa AU, In time lalaki rin sahod mo, wag lang mainip. :)
    Balewala na lang po ang 3 million ngayon. Nagpagawa nga lang ako ng kusina at kwarto sa bahay ng nanay ko umabot na ng 200,000.

    Saka yung mga business sa atin parang di naman patok talaga at kumikita. Pwera lang kung swinewerte ka. Tapos pag swinerte ka kokopyahin naman ng kapitbahay mo yung business mo sa in the lugi ka pa din.

    March 5 - ACS submitted......
    March 20 - ACS result.. Suitable (Analyst Programmer)
    March 10 - IELTS Passed!
    June 23 2012 - Sent my paper based application to Adelaide.
    June 26, 2012 - DIAC received and sent a receipt.
    August 9, 2012 - Received Medical and NBI Clearance Request.
    August 10, 2012 - Had a Medical Exam on a Panel Doctor
    August 13, 2012 - NBI Clearance application.
    August 23, 2012 - Medical Results was submitted by the Panel Doctor.
    September 2, 2012 - NBI clearance received by DIAC.
    Visa Grant! - September 6, 2012!!!
    ...........

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    Like any issue regarding credit card, may provision sa bangko na puwede ka magdeclare ng bankruptcy....sa America etc, maraming papeles yan...sa Pilipinas, ipakita mo lang na 'naghihirap' ka (whether truthfully or not), sapat na sa BSP natin yun.

    So kung sa Pinas ka lang pipirmi ppuwede yan, bahala ka na lang sa konsensya mo at kay Bro hehe...Sa ibang bansa ibang usapan yun...bankruptcy will stay in your records for seven years, so isip isip :D
  • TotoyOZresidentTotoyOZresident Posts: 1,327Member, Moderator
    Joined: Jun 28, 2011
    Like any issue regarding credit card, may provision sa bangko na puwede ka magdeclare ng bankruptcy....sa America etc, maraming papeles yan...sa Pilipinas, ipakita mo lang na 'naghihirap' ka (whether truthfully or not), sapat na sa BSP natin yun.

    So kung sa Pinas ka lang pipirmi ppuwede yan, bahala ka na lang sa konsensya mo at kay Bro hehe...Sa ibang bansa ibang usapan yun...bankruptcy will stay in your records for seven years, so isip isip :D
    Ang problema nyan pa improve ng pa improve ang technology ngayun like computers, internet communication halos naka network na lahat kung akala ng iba na pasaway nakatakas na sila sa utang nagkakamali sila naka record na yun at naka network. Malaking epekto yan sa personal information kung sakali mag apply ulit sila ng loan, kung mag claim sila ng pension o insurance. Lumalaki pa naman ang interest nyan every year. Kaya kapag may utang dapat bayaran kahit paunti unti.. Goodluck

    Quotes:
    "Wise men learn from their mistakes, but wiser men learn from the mistakes of others."
    'Success is when you finished what you have started."

    If you’re looking for Church in Canberra ACT Australia and you want to fellowship with Christian Filipino Australian.
    Come and join us in Jesus Is Lord Church Canberra service every Sunday at 10:30AM to 12:30PM
    Where: 53 Georgina Crescent, Kaleen ACT 2617
    (Back of Kaleen Shopping Centre)
    For more information, please PM me or visit

    http://jilcanberra.org.au

    "To God be the glory"

  • sheepsheep Sydney
    Posts: 196Member
    Joined: Feb 02, 2011
    @dpp
    bagamat gsto mo na maimproved ang buhay ng family mo sa pinas hindi po tama yan...lalong liliit ang mundo mo at yung business na bording house medyo maganda sa una pero sa huli hindi,when im studying nag boboard po ako ngayon mayrong iba na na isang week plang nagtransfer na,especially pag may bagong bording house sa kabila...now assuming for the sake of argument kikita yang bording haus mo....eh...yung karma ho is in different forms po,pwedeng sa family or sa personal o sa business kahit naman po siguro ikaw may mga naobserbahan ka sa pilipinas na ganyan hindi magandang ginawa pero sa umpisa lang maraming pera pero pag kahuli ang karma sunod sunod na dumating,tama po sila lahat na ang 3 million po ay maliit lamang...regarding sa sahod po ninyo kung maliit ok lang,,,at least continue anuhin mo yung malaki na paminsan minsan lang....isipin mo...na maipakita mo sa family mo at sa iba na kahit konti ang sahod mo maitaguyod mo ang family sa wastong daan...ok..?maraming estorya sa pilipinas na nagmula sa hirap pero nagsikap at umasinso maybe yung pag asenso is not in the form of money but in the education and succes of their children.....isipin mo kahit maliit sahod mo dito pero di hamak na mas mahirap ang trabaho s apinas,sa pinas 6 to 7 days tayong nag wowork at palagi pang overtime pero hindi pa rin sapat ang sahod....

    Hindi kita hinuhusgahan dahil hindi ko alam ang pinag daanan mo pero isipin mo na minsan sinusubok tayo ng panginoon sa pera o ano pa man para makita niya kung gaano tayo katatag sa paniniwala natin sa kanya....wag kang masilaw dahil ang pera na yan ay temporary lamang....basta manalangin ka at magsikap kahit maliit ang sahod mo at pagdating ng panahon magugulat ka dahil matanong mo ag sarili mo na....NAGAWA AT NAKAYA KO PALA YUN LAHAT.......at pang huli.....wag ikumpara ang sarili sa iba dahil diyan nag umpisa ang lahat na inggit..ok..?

    "god thank you for everything!!!!!1

  • lock_code2004lock_code2004 Perth
    Posts: 5,037Member, De-activated
    Joined: Feb 23, 2012
    nawala na ung nagtanong... baga umuwi na ng pinas..

    Sep 24, 2011 - IELTS (L-8 R-8 W-8 S-7.5 : OBS-8)
    Jan 04, 2012 - EA application submitted | Feb 23, 2012 - EA assessment result (IE ANZSCO 233511)
    May 8, 2012 - Lodged GSM 175 online application | June 4, 2012 - CO Allocated
    June 22, 2012 - Medicals Finalized | Aug 30, 2012 - PCCs Completed (PH, UAE, USA)
    Sep 3, 2012 - Visa Granted (IED Jun 11, 2013) Thank You Lord!
    Oct 16-28, 2012 - Initial Entry Completed - Sydney
    July 28, 2013 - Final move to Perth
    Sep 9, 2013 - Started work with the same company i worked for in UAE/USA
    Oct 28, 2013 - Moved to another company.. ;)

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    Ano kaya naging desisyon ni threadstarter? hehe
  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    I think we should stop replying on this thread na... I feel it is irrelevant to this forum. :-/

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

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