2013 Schedule of Civil Service Examination

This is for the Paper and Pencil Test (PPT). The examination is scheduled on April 14 and October 13, 2013.

For the Computer Assisted Test (CAT), please regularly check Civil Service Commission's website for announcements http://excell.csc.gov.ph/cscweb/exannounce.html

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CREDIT MANAGEMENT ASSOCIATION OF THE PHILIPPINES (CMAP)

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Address : Room 401 Cattleya Condominium, 235 Salcedo Street, Legaspi Village, Makati City, Metro Manila

Tel. No. : (632) 812-9880 / 817-8386

Fax. No. : (632) 892-9102

URL www.cmap.com.ph

The Credit Management Association of The Philippines, also known as CMAP governs all financial institutions that provide loans and credit. Its members are banking, financing, services, trading, manufacturing and insurance sectors. CMAP aims to instill, develop and nurture credit consciousness, responsibility and discipline among ourselves and among credit grantors private sectors and to promote active and voluntary interchange, and mutual reciprocal use, of quality credit information.

All loan and credit information is managed by CMAP, so whether you have made all of your monthly payments on time, paid off a loan, or defaulted on a loan, all is kept in CMAP, typically for a period of 5 years. Old names are removed allegedly in order to prevent overloading of data.

But some say your name will be on CMAP listing permanently, the record will only be updated showing CLEARED/PAID once you have paid your loan. But this is not automatic. You have to go to their office and present all the proof of payments you made and certification that you have settled your arrears. But do not give out original copies.Sometimes they tend to pressure you to give out original documents.

When you try to open a bank account or apply for a loan, CMAP is checked first. Also when you apply for a loan or credit card, your eligibility and rates are determined by your CMAP credit score. Here are the current score rankings:

Excellent Credit - 750-850

Good Credit - 660-749

Fair Credit - 620-659

Bad/Poor Credit - 350-619

No Credit - 0-0

Check this link to read a case decided by Regional Trial Court (RTC) where CMAP was made to pay damages for keeping the name of an importer in the CMAP listing of court cases for 27 years and thereby causing damage to the importer:

https://sites.google.com/site/momarcoimport/cmap-decision

RELATED POST:
Non Payment Of Credit Card Debt

Non Payment Of Credit Card Debt

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Failure to pay one's credit card debt will definitely not get you into prison. This is a rule enshrined by no less than our 1987 Constitution which states that “No person shall be imprisoned for debt or non-payment of a poll tax” (Article III, Sec. 20). This will forever be the rule such that not even a new law passed by Congress can modify or abrogate it, unless the Constitution is properly amended or revised under procedures prescribed by law, i.e. constitutional convention, constituent assembly or peoples initiative.

This therefore makes non-payment of credit card debt only a civil case. The proper case would be an action for collection of sum of money. However, Republic Act No. 8484 or the Access Devices Regulation Act of 1998 criminally punishes any act of obtaining money or anything of value through the use of an access device, e.g. credit card, with intent to defraud or with intent to gain and fleeing thereafter. Section 14 of the same law further provides that “A cardholder who abandons or surreptitiously leaves the place of employment, business or residence stated in his application or credit card, without informing the credit card company of the place where he could actually be found, if at the time of such abandonment or surreptitious leaving, the outstanding and unpaid balance is past due for at least ninety (90) days and is more than Ten thousand pesos (P10,000.00), shall be prima facie presumed to have used his credit card with intent to defraud.”

Thus, changing your residential address may be used by credit card companies or their agents such as collection agencies as evidence or proof of such intent to defraud. You may now be then prosecuted criminally under said law.

If the debt is debt does not exceed One Hundred Thousand Pesos (P100,000.00) exclusive of interest
and costs, a  small claims case may be filed under the 1998 Rules on Small Claims (A.M. 08-8-7-SC, effective starting October 1, 2008) which Rule requires only 1 hearing, and any court decision rendered therein shall become immediately final and non-appeallable. This means that the proceedings will not take long unlike ordinary cases.

In the event that the debtor or credit cardholder is being harassed by credit card companies or collection agents, they may write to the Bangko Sentral ng Pilipinas (BSP) at consumeraffairs@bsp.gov.ph about the collection agency concern.The BSP issued Circular 454, Series of 2004 (September 24, 2004) which defines unfair collection practices among banks, credit card companies and other agents;  mandates that banks, credit card companies and their agents must observe good faith and reasonable conduct and refrain from unscrupulous or untoward acts; and also enumerates what are deemed unfair collection practices, i.e.:

a) the use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person;
b) the use of obscenities, insults, or profane language which amount to a criminal act or offense under applicable laws;
c) disclosure of the names of credit cardholders who allegedly refuse to pay debts, except as allowed under Subsec. X320.9 and 4301N.9;
d) threat to take any action that cannot legally be taken;
e) communicating or threat to communicate to any person credit information which is known to be false, including failure to communicate that a debt is being disputed;
f) any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a cardholder; and
g) making contact at unreasonable/inconvenient times or hours which shall be defined as contact before 6:00 A.M. or after 10:00 P.M., unless the account is past due for more than sixty (60) days or the cardholder has given express permission or said times are the only reasonable or convenient opportunities for contact.

Collection agencies earn on commission basis ("no collection, no commision"). Some of them are independent businesses who buy the delinquent accounts from banks or credit card companies for small amount. Some of them resort to harassment or other unlawful activities just to collect.

Action for collection of sum of money if based on written contract prescribes in 10 years.

Negative effects/consequences

Not paying your credit card debt will reflect badly on your credit history. Which means it will be difficult for you to get a personal loan when you need one.

Aside from that, some companies do check the credit history of their job applicants so a bad credit history may affect you if you’re looking for employment.

Related Post:
CREDIT MANAGEMENT ASSOCIATION OF THE PHILIPPINES (CMAP)

Tips When Getting Birth Certificate from NSO

1.) Go to NSO early in the morning so that you can claim your document within the same day. Application starts from 7am up to 4pm.

2.) Bring an identification card (ID) as well as the owner's if you are only a representative. These will also be asked from you upon claiming the birth certificate.

3.) Secure an authorization letter from the owner for whom you are applying. If the owner (applicant) is a minor, i.e. below 18 years old, the authorization letter should come from the parent or legal guardian.

4.) Have with you the following data about the owner which you will be needing in filling out the application form: Complete name of owner, his/her father and maiden name of mother; owner's date and place of birth; and whether or not his birth was registered late or not.


Read also:   How to Get NSO Birth Certificate

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How to Get NSO Birth Certificate

A National Statistics Office (NSO) authenticated birth certificate may be applied for personally or through an authorized representative. It may also be applied through the internet.

When you opt to go to NSO personally or through a representative, you will undergo a very simple process. First you will be given a free application form which you have to fill out. Along with this is a queue number. Next, proceed to a verification officer who will verify your application form as well as the applicant's ID. He will advise you of any data lacking in your application form, then wait for your number to display in a monitor for payment. You will then be given a receipt on the date and time of claiming your document is indicated.

Processing Fee:

For personal application or through an authorized representative, the processing fee is P125.00 plus P15.00 for documentary stamps.(Total of P140.00)

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For online application, the processing fee is P330.00 which includes delivery right to your doorsteps.

Processing period:

Applications submitted at NSO offices may be processed within 2 days. On off-peak season, birth certificates may be claimed within the same day.

Online applications are processed within 2-3 days, sometimes less than a week.

Read also: Tips on Getting NSO Birth Certificate

Raymart Santiago and Claudine Barreto vs. Ramon Tulfo

Who started the bout?

Both sides accuse each other of starting the NAIA airport rumble. Witnesses in favor of the two opposing sides surface to tell their own first hand detailed accounts of what transpired during that fateful hour. Varying ccounts of the event is of course understandable because of the high speed unfolding of the event.

But what is interestingly clear from a number of the witnesses is that Claudine is allegedly berating one of the ground crews of Cebu Pacific airline carrier after learning that some of thier baggages are among those offloaded by the airline carrier before its departure. Being upset is fine on this kind of situation, but shouting at an employee who obviously is not the one directly responsible for the offloading was totally uncalled for.

This scene created by Claudine called the attention of a veteran journalist who happened to be in the vicinity and who was also known as a defender of lowly individuals who are being abused. In the hopes of documenting the situation obviously for purposes of news reporting, Mon Tulfo started taking either pictures or video. Raymart upon noticing him immediately confronted Tulfo whom, according to him, he did not recognize as the notorious Mon Tulfo. Who threw the first punch? This is where the story became hazy. But what is certain is that Mr. Tulfo got seriously hurt. He sustained the most brutal of the punches thrown because apart from being outnumbered by the gang of Raymart, he was also the one being manhandled by the responding security guards of the airport, instead of the very aggressive and wild group of Raymart including his wife who was seen joining the group in hurting Tulfo.

Did Raymart really not recognize Mon Tulfo?

Well, it may be possible because had he known that it was Mr. Tulfo he might not have engaged him into a fistfight or at least he might not allowed the situation to extend into a full-blown fistfight. He has more to lose in this situation. Mon is a 2nd or 3rd dan black belt in aikido and he has also three equally martial arts experts brothers. Raymart was just lucky that he has his buddies with him and the airline security personnel who prevented Mon from fighting back.

2011 Cheapest Laptop

With the gradual decline in the price over a few years laptops are finally become comfortable in common man’s hand which was practically untouchable for anyone else other than professionals. We have been seeing that the competition gets tightened between desktop sales and notebook sales apart from the competition among manufactures, and they are outselling the old fashioned desktop as people started using it as their primary computer instead of their desktop pc.

To buy a cheap laptop is not that a simple thing.We, freetechjournal.com team after a hell of research presents an exclusive guide on buying a low budget laptop (not net book) which are brilliant for an average user. We have shortlisted some very good laptops in the price range 400$-800$, still the task was not at all easy for us to pick the best one for you.  If you find good laptops in the same price range or you have used the laptops that we have shortlisted then do add your comments below the post.

The light and small computer designed for mobile use with almost all power as a desktop holds is the thing that we are going to discuss about- the laptops or the notebooks. The budget of laptop varies with the components inside it. So in a low budget laptop you are not gonna think about high end features, fast processor or a good graphic performance. We guess you are aware of this. A budget notebook is a great way to provide introduction to computing and they are the great way to make most of your space and your money too.

Here we have picked some very good cheap laptops coming with windows 7. But your individual needs, preference, budget will decide what exactly you want to buy.

Cheap and Budget Laptops 2011

1.Toshiba Satellite L635-S3104

Toshiba satellite series is a wonderful laptop series with very good features, value for money and build quality. The series price varies in a vast range of 500$, still all models keep a good standard. Toshiba Satellite L635-S3104 is a portable laptop which blends power, style and quality in it. An apt model for students, and is ultra light weight. The laptop boasts a 13.3 inch diagonal widescreen TruBrite TFT display at 1366 x 768 native resolution (HD) with 16:9 Aspect Ratio and LED Backlite and comes equipped with  2.66GHz Intel Core i5-480M Processor (2.93 GHz with Turbo Boost Technology, 3MB Cache).  The gadget comes with a 4 GB memory which is upgradable up to 8 GB and a 640GB (5400 RPM) Serial ATA hard disk drive. It has integarated with Intel HD graphics inside it.

The Toshiba’s gadget comes with 8x SuperMulti DVD drive, 802.11b/g/n Wi-Fi networking, Built-in stereo speakers, Webcam and microphone built into LCD bezel, Multi-format memory card reader, 10/100/1000 Ethernet LAN, Bluetooth® V2.1 + EDR, HDMI output port, VGA video output, Multi-format memory card reader, and a 6-cell Li-Ion (48Wh) battery gives a wonderful power to the notebook upto 3. 25 hours. The laptop is running on Windows 7 Home Premium operating system (64-bit).
Above all the notebook measures only 12.95 x 8.7 x 1.45 inches (WxDxH), weighs 4.8 pounds, pretty amazing isn’t it. Well you have one more surprise; all these super cool features are coming with a reasonable price $779.99.  Yes of course Toshiba Satellite L635-S3104 worth more than its price.


2.Acer AS5742-6475 15.6-Inch Laptop

Acer Aspire 5742 Notebook, which is a latest model from the Taiwan based multinational company, offers powerful performance latest connectivity technology multimedia features and come with specs much more than what can expect from an under $500 laptop

The notebook starts off with a beautiful CineCrystal LED Back-Lit Display of HD capability, with an integrated camera of 1.3 megapixel and powered with intelligent Intel Core i3 380M 2.53 GHz. The laptop comes equipped with a 4GB memory and a 500GB 5400RPM SATA Hard Drive for storage. It comes with 64 bit windows 7 premium OS.

Other spectacular features of Acer AS5742-6475 15.6-Inch Laptop includes 8X DVD-SuperMulti Double-Layer Drive, 2-in-1 Digital Media Card Reader, High-Definition Audio Support, 802.11b/g/n WiFi CERTIFIED, 3 – USB 2.0 Ports, HDMI Port, 6-cell Li-ion Battery (4400 mAh), gives up to 3.5-hours of battery life, and weighs about  2.6 kg (system unit only).

A remarkable feature that Acer includes in this notebook is that a multi gesture touch pad, you can even pinch, swipe your fingers on it and make the touch pad very easy for navigation. Cool isn’t it.
The laptop is available for a reasonable price -530 $


3.Lenovo G560 Series 067999U Laptop (Black)

If you want a basic laptop with excellent performance Lenovo G560 Series 067999U Laptop will be a great choice for you. It delivers outstanding performance to everyday task.  The notebook is powered with Intel® Pentium® Dual Core processor, and a 4 GB DDR3 RAM. There is a 320 GB hard disk for storage.
The notebook is relatively light, good looking and  it sports a 15.6 inch high-definition 16:9 widescreen LED backlight display. It comes with windows home premium and got a 6 cell battery which can keep the laptop up to 3.8 hrs.  Lenovo G560 Series 067999U laptop has One Key Rescue System, this help us recover data and system quick.  Plus, Lenovo Energy Management 5.0 helps to protect the long-term life of the battery by preventing unnecessary recharges

Other features include Intel GMA HD graphics, Built-in webcam and microphone, DVD Super Multi-Drive, Numeric keypad, integrated high-speed WiFi, 5-in-1 media card reader.

Cons I have found out is that the sound quality is poor, No HDMI port, laptop charger cord is a little short.
Needless to say, such a configuration is good enough for our daily use in a very cheap price  436 $ and this is the best cheap laptop for college students.

My verdict: The task of finding a best laptop  is a very hard one; we have put our efforts for days to bring this article before you.  The gadgets here discussed are latest cheap laptops, with latest technology and all of these laptops are launched not more than 6 months. Out of these 3 if you ask us to pick our choice, we would really love to go for the Toshiba Satellite L635-S3104,even it is bit priced than other laptops discussed here, the specs, features & performance are far better than the later ones.  Even HP Pavilion DM4, which we have been using for months stands behind this laptop in some fields especially in graphics though the former priced 100$ more than the latter.

After you read the article you may be bit confused, you might not found your preferred laptop here, or cheap laptops you have found here are not that cheap for you. Don’t worry we are going to put the 2^nd part of this article as soon as possible. Don’t forget to check freetechjournal.com again for the next part.
Stay tuned on freetechjournal.com; do add your valuable comments.

Source: http://freetechjournal.com/gadget-gizmo/best-cheapest-laptops-top-budget-2011-price.html