A Visit at Cafe By The Ruins Dua

Visiting Baguio City this holiday season? 

For your breakfast / lunch / merienda / dinner, you may want to visit Cafe by the Ruins Dua (Upper Session Rd, Baguio, Benguet, Philippines), the 2nd branch of Cafe by the Ruins (25 Shuntug Rd, Baguio, 2600 Benguet, Philippines). If you are staying near Victory Liner Terminal, you can take a 5 to 10 minute walk to get there to have your delicious meals, drinks and desserts while you are surrounded with amazing artworks. 

Photos taken last September 2015.

Cafe by the Ruins Dua

Pandan Lemon Grass Iced Tea

Ruins Herb Tea -- A must try if you are having cough and colds during your stay.

Pasta a la Carbonara

Baguio Bagnet -- My ultimate favorite in CbtR. <3

Where to get extra or immediate cash before the holidays or any event?

The holidays are fast approaching and it is that time of the year again to prepare for the season. 

1. Bank Loans -- This may take a few business days but you may still want to try before the holidays. For BPI and RCBC Bankard account holders, if you are in need of immediate cash you may want to check on the following loan programs that they offer:

Based on personal experience, here is a loan program comparison chart between BPI (Personal Loan) and RCBC Bankard (Your Cash):

	BPI	RCBC Bankard
Sample Gross Loan	₱30,000.00
Sample Terms of Payment	12 Months
Interest Rate	0.98%	0.69%
Net Payout	₱28,500.00	₱30,000.00
Receive Credits through	BPI Deposit Account	Preferred Bank Account / Manager's Check
Flexibility of Payment	You cannot overpay your monthly payment because your payment is enrolled under the Automatic Debit feature. Either you stick in paying the monthly payment or pay in full. Feel free to contact them if you wish to make another loan. They are the ones who will decide how much you can loan.	You can overpay your monthly payment. You will be given a separate card number account different from your Master Card / Visa Card which you may enroll for online / mobile banking. Your loan amount will depend on your credit card's credit limit. If you decide not to avail of the full credit limit, you can call them anytime to request that you want to use the remaining available credit.
Charges / Fees	₱1500 -- Processing Fee which is immediately deducted from your Gross Loan.	₱150 -- Delivery Charge. This is added on your first monthly payment.
Processing Time	3-5 business days	5-10 business days (The holidays can affect the processing time.)
Monthly Payment	₱2,794.00	₱2,707.00
Total Payment	₱33,528.	₱32,484.
Computation	30000 x 0.98% = 294 294 x 12 Months = 3528 30000 + 3528 = 33528 33528 / 12 Months = 2794 / Month	30000 x 0.69% = 207 207 x 12 Months = 2484 30000 + 2484 = 32484 32484 / 12 = 2707 / Month

Contact Nos:

BPI -- 845-5994 / 0917-553-3669 / 0939-0922-4659

RCBC Bankard -- 888-1833

2, PawnHero PH -- It is an online pawnshop where you can pawn your items for fast cash with low interest rate. You can immediately get a free estimate of your items within minutes though it can take hours if you submit your request during their non-operation hours. Here is a BAP Code: BAP-4JEN66 if you get the interest to try the service. When you make an estimate request, you get decent reviews on why your items can be acceptable or not for pawning, and you will be notified on both sms and email.