Ralf

Tech Enthusiast. Mobile Shutterbug. @AXA_PH People Protector and LifeProvider since 2010.

[Ralf @ralfnav]

We could be heroes.

[Ralf @ralfnav]

10 weeks to go and it’ll be 2025. 🫠

[Ralf @ralfnav]

Addicted to spin classes. 🥹

[Ralf @ralfnav]

@patr1ckarys It’s your superhero origin story.

[Ralf @ralfnav]

15 years 🥹 #MyXAnniversary

[Ralf @ralfnav]

Can't keep a straight face while watching LOL: Last One Laughing PH 😅😂🤣

[Ralf @ralfnav]

@heypachrick Yup

[Ralf @ralfnav]

@heypachrick Ay 🙈 🙈 🙈

[Ralf @ralfnav]

@heypachrick Ahh baka plus 250 lang yan 😆

[Ralf @ralfnav]

@heypachrick Haha may new bill ka na?

[Ralf @ralfnav]

@heypachrick Ahaha 😂😂😂

[Howie Hua @howie_hua]

Did you know you can subtract left to right?

[Ralf @ralfnav]

@mitchiekurr @100ECON @unionbankph Been following your thread. My UB CC payment via Instapay last Feb 12 was just posted yesterday Feb 15 (but the due date was Feb 12). 😢

[Ralf @ralfnav]

@letsvoltin15 Hassle when technology fails 😢

[Ralf @ralfnav]

Ano na, @unionbankph? 😬

[Ralf @ralfnav]

@100ECON @unionbankph Paid UB CC too earlier using Metrobank Send Money via Instapay. No confirmation from UB until now. 😓

[Ralf @ralfnav]

January 37.

[Ralf @ralfnav]

This cough just won’t go away 😭