Rabbit are pleasure-loving creatures. Rabbits will frequently engage in temporary relationships that provide physical passions, although Rabbit rarely engage in anything long-term unless there is a solid promise of comfort and ease.

Source:  http://www.iloveuindia.org/horoscope/chinese/rabbit-horoscope.html

While doing my usual rounds on the net, I found this informative site about debt collection, 3debtconsolidation.com. The site has a lot of informative articles about managing your debt and how you can negotiate with a debt collector.

The site offers information about debt consolidation, both secured and unsecured. They also have debt calculators that you can use and you can actually give them a call for a free credit counseling. And they also have some tips on how to deal with debt collectors. Here are a few from their site:

Tips For Dealing With A Debt Collector

In order to start negotiating debt with a debt collector, you’ll need to keep a few things in mind:

1. You need to prioritize your bills and decide how much you can afford to pay a debt collector. Don’t get in over your head or agree to make a payment when you really cannot afford it. Though a debt collector will make you feel like you have to make a payment immediately, don’t do it if it means you won’t be able to provide for your family this week.

2. Debt collectors deal with debt negotiation every day. They’re pros. So be wary of them. Don’t provide your work address, your banking information or your checking account information to them. Though you are protected against illegal tactics by debt collectors, they are willing to do almost anything to get your debt paid.

3. Keep a record of anything. Collect all the unpaid notices you are sent and record any phone calls with your debt collector (provided this is legal in your state). This will put you in control with the debt collector and make you more confident when you speak to them.

As I said earlier, it’s a far fetched idea, not only because of my sense of direction but also of the costs of maintaining a car here in Makati, from parking fees to traffic mishaps. With the number of traffic related accidents and walang modo buses, I bet I’ll need a no fault automobile insurance. Also, there’s maintenance fees and oil prices to think of. My cousin brings his car to the shop every time he hits a certain mile number or whatever you call it. Methinks I’ll be too lazy or too naive to even notice it.

As for car insurance, I’m not sure what it involves or even the average price of car insurance. Do you? Well, I passed by BPI earlier and saw some flyers about house and car loans. It was the same case with MetroBank as well, with each bank saying they have the best and most affordable rates. As for what is the best car insurance, I really have no idea. These flyers are too simple and attractive you’ll wonder what’s the catch. Most el cheapo and uber attractive advertisements have one right?

So no. A car is definitely not in my future plans. I’m happy enough with commuting from my place to the office. As for our business, well, let’s just say that we’ll all have to rely on RJ and cabs for now.

]]> http://tiarara.com/just-thinking-out-loud/feed/ 0 http://tiarara.com/muni-muni/ http://tiarara.com/muni-muni/#comments Mon, 26 Oct 2009 23:53:17 +0000 Tiara http://tiarara.com/?p=1690 Maliit, nalalamon ng malaking istraktura,

ninanais lumaya, makawala.

pero kailangan kumita, kailangan kumain

kailangan mabuhay

ngunit para ano pa ang buhay kung di ka naman masaya?

Why can’t I get addicted to exercise or salads, and all those healthy stuff instead?

I feel like banging my head on the wall. Oh, wait, I did bang my head on the monitor earlier at work.

Who am I kidding? The forbidden always tastes better anyway. And I am so full of crap because while writing this post I’m thinking I deserve all those chocolates and sugar laden carbonated drinks I’ve been gorging on for the past 3 days because I quit smoking and I cut back on my alcohol intake.

I know, I know, I took care of my liver and lungs and now I’m courting diabetes. Just hit me on the head now, will you?

]]> http://tiarara.com/weak-weak-weak/feed/ 2 http://tiarara.com/note-to-self-transfer-voting-precints-before-oct-31/ http://tiarara.com/note-to-self-transfer-voting-precints-before-oct-31/#comments Thu, 10 Sep 2009 07:55:06 +0000 Tiara http://tiarara.com/?p=1293 It looks like I’m not going home this May so might as well transfer precincts.  I was supposed to do it months ago but I kept putting it off because transferring voting precincts felt like cutting myself off from my hometown.

But going home in May is not in the works, it’s not even in my planner. Call me pessimistic but I really don’t think I could leave work and I’m kinda anticipating the airfare hikes during that time of the month. I’m going home March next year, just in time to celebrate either my birthday or Araw ng Dabaw, whichever’s more feasible.

I could choose not to vote, but that will be pretty irresponsible of me so I will vote, come hell or high water. Dang, I guess I’ll have to transfer voting precincts eh? Okay. Noted. No more stalling!

I’ve been having problems sleeping lately. My sleeping pattern’s so erratic it drives D. crazy. He can hardly guess when I’ll be asleep and continues to rag on me to do something about it.

Now D’s a good friend and he wants what’s best for me but I really hate going to the doctor’s clinic. It’s bad enough that I have to come in for regular check ups for my scoliosis and now I have to see someone else for my sleeping problems? Yeah right.

Actually I’ve been thinking of self medicating, taking note of my “sleeping pattern” and of the activities that might affect it. I’m thinking I could blame it on the pills that I’ve been taking or the work schedule that I have.

D. thinks I should go and consult a physician before even thinking of taking sleepasil. I have the tendency to rely too much on meds so he’s been trying his best to nag me into not taking sleepasil. So much for thinking I’m strong enough to resist addiction eh?

I still don’t wanna see the scary doctor with their cold stethoscopes and long white gowns. For now I’ll content myself with taking note of my symptoms and finding Cures for Ailments that plague me. As for D., he can go ahead and continue nagging, I’m an expert at ignoring people.

Link of the day: Find helpful information on how to optimize your brain’s functions from Dr Amen of the Amen Clinics. Check out Dr. Amen’s new book entitled, Making a Good Brain Great.

It doesn’t take a lot to piss me off. I have my own pet peeves like men who don’t understand the word no, people who touch my laptop, people who don’t know how to take care of the items I let them borrow, and people who are insensitive to the tension building around them.

Another pet peeve is arrogance, especially from jackals posing as men who think they’re god’s gift to the world.

Now why am I acting like a rabid dog, with saliva foaming on it’s mouth? Because, surprise, surprise, an office mate managed to piss me off.

I have a pretty much indifferent outlook to the people I work with at the office. As long as they don’t tread on my toes then I’m fine (read: encroach on my personal life). If they diss me off because of my performance I’ll take that as it is. If I screwed up then I screwed up, end of story. I’m not going to go around blaming somebody.

But earlier today 2 guys I don’t really know managed to fulfill three of my pet peeves. A team meeting is a team meeting. If you have complaints, think about it first, once, twice and thrice on how you phrase it.  This is not you having a cozy chit chat with friends where you can diss, rant, and brag all you want.

You have to respect your supervisor or whoever called for the meeting. They get to call the meeting because, newsflash: they’re on a higher rung on the ladder than the rest of us. I’d understand the scorn if they were yanking the chain without a good enough reason. But they do yank your chain for a reason  so might as well be a big boy, take the lumps and deal with it like a man.

It almost looked as if they didn’t care that the sup. wasn’t pleased with their outburst and monkey acts. This guy  even had the gall to start spouting off on why he wouldn’t want to be moved to the hosting team, arrogantly pointing at the metrics that we have.

Oh yeah? I have no problem with the metrics. I’ve never minded it because, to tell you the truth, looking at numbers and excel sheets make me dizzy. What’s so wrong with the metrics anyway?  It looks pretty much the same to me no matter what department you belong to.

After that dig at our metrics he went on and on about the recent volume of calls being routed to them, alluding to himself as “aliping sagigilid”.  Alipin? Slave? Bullshit. I reminded him he was being paid a hefty sum to do his job, that doesn’t look like slavery to me.

He had no answer to that and steered the conversation back to the number of calls they’re getting instead.  They were complaining bitterly that the newbies are just laughing around, doing nothing. They shouldn’t be doing nothing, the newbies are supposed to brush up on client specs. So I told them to call the newbies out on what they’re doing, remind them they should be reading max.

He responded with a sarcastic, yeah right. As if they’d listen to me.

Ha! A pig with a defeatist attitude.  He haven’t tried and yet here he was, telling me it wouldn’t work. I don’t like people like him. They tend to undermine the authority of whoever is in charge and can drag a team down with their defeatist attitude. I’m so glad I don’t have to deal with him all the time.

I’ve handled a team before, during my stint in the school paper and though my team was far from perfect I never had to deal with somebody with this big of an attitude. And to think we weren’t being paid a single centavo for our jobs.

Tsk. Tsk. Okay, I’m done ranting. Back to regular programming folks.

***Why do women let men carry their handbags? I don’t remember having a man carry my handbag for me just for show but I do remember some of my friends back in highschool doing it. My office mate says he makes sure he has a backpack so he can just stuff his girlfriend’s shoulder bag if she asks him to carry it for her. Methinks the office mate either wants to get in her pants so bad he couldn’t risk the girl going off in a sulk or he’s too afraid of his girlfriend? Haha. I know it looks silly but I think women who let their men carry their teeny weeny bags are sending out a message to the rest of the world: “This is my man, do not TOUCH!”

***Why can’t we have houses with no stairs? I hate the damn contraptions. I nearly fell (for the nth time) yesterday. And no, I wasn’t drunk, I was sleepy. I swear, stairs are going to be the death of me.

***On the bright side, D. is coming over!!! I know we didn’t part in good terms and we have to talk about a few things but still, I can’t wait to see him. I’m putting things on hold and clearing everything on my calendar so we could spend a few days to bond and talk about stuff. We’re thinking of spending a few days in Tagaytay but my heart’s set on Baguio (again..hehe). I know, I know, I am addicted to thrift shopping. Haha.

I’m not ditzy, I’m just forgetful. Or so I say. haha.

Yesterday I went to work an hour early to avoid confusion over my new schedule. Time changes don’t really agree with me because I have the tendency to get confused easily same as how I still get confused with which is left and which is right.

I thought I’ll be okay, I was in my new station, checking my mail and just waiting for the clock to struck :29 so I can log in. It was colder than usual but I didn’t mind, I was thinking of some numbers, mentally calculating how I’ll spend my salary the next day, vacillating between saving for a camera and a last round of shopping in Cubao’s various thrift shops.

Before I knew it, it was already 9:28 and I had to log in. My fingers were hovering on the dials, anticipating 29, raring to punch in the numbers, when bam! My mind just went blank, as if all wheels came to a screeching, breaking halt:  I can’t remember my log in information.

I was panicking already, my face was beet red, and I was scrambling, trying to remember the two sets of numbers I’ve been using for over 5 months now. Numbers were flashing in my brain and it was funny because I could remember all the numbers–from my home address, our apartment’s phone no., our number at home, my student number in UP, but I couldn’t for the life of me remember my log in information.

It was in there somewhere, locked in a compartment in the deep recesses of my brain. I was desperate, my office mates were ragging on me, laughing, and teasing me for being forgetful. It was embarrassing and I wanted to disappear but I had to remember, or else I’ll be dead.

After three harrowing minutes a lightbulb finally lit up in my head, I could almost hear the wheels churning, and there was my log in information in big, bold, and flashy numbers, thank god. I punched in the numbers then leaned back in my chair and let out a big sigh of relief. But damn, I came in an hour early for work and still I will be tagged as late because I forgot my log in information for 3 freaking minutes. Damn it.