Mobility And Car Financing

Posted on December 15, 2007 by Beng

Nowadays mobility is very important. We are used and culturally need to move around a lot for business, for shopping or in free time.
But nowadays, we also know that prices of cars are at an all time high. Now what to do if you need a car but you are on a tight budget? The answer is finance car.

There are different types of car financing loans for you to choose like Standard Loan, Best Secured Loan and Impaired Credit – Car Finance. To determine the best rate, you may want to explore all of your financing options before you get to that point. By preparing yourself with good information and knowing what your options are, you can make a much better financial decision. Don’t let the excitement of driving off the lot in that new car distort your perspective on things and cloud your judgment.

Annoying Incompetence

Posted on December 14, 2007 by Beng

Have you ever experienced a moment where you wanted to yell at someone due to her/his sheer incompetence? I do, and I lost count of the amount of times that I got infuriated due to some people’s inability. Let me share you some of my emotionally-charged experiences in the past.

Philippine Embassy (this happen just recently)

I called there to ask about the Balikbayan program. Di nga ba’t balak naming umuwi or mag-stay ng medyo matagal sa Pilipinas? Really, it’s not that I don’t understand what is written kundi meron lang akong gustong linawin doon sa mga nakalistang requirements. On list number six (6) it says that:

The former Philippine citizen shall declare before a Philippine Immigration Officer at the port of entry that she/he is availing of the balikbayan privilege and shall present his/her valid passport in addition to ANY of the following documents:

cancelled Philippine passport
birth certificate
naturalization papers to show former Philippine citizenship

Malinaw na nakasulat ang ANY so para sa akin maari kong i-present sa kanila ang isa sa mga nakalagay na requirements doon. But I was not really sure about it kaya naisipan kong tumawag sa embassy para lang makasiguro.

Phone conversation:

Lady employee: Philippine Embassy good afternoon.
Me: Here is Mrs. Hafner, good afternoon.
Lady employee: Yes how can I help you?
Me: Meron sana akong gustong itanong tungkol dito sa mga requirements ng Balikbayan program.
Lady employee: Ano po yan?
Me: Nakalagay dito sa number six nang program na…blah blah blah.
Lady employee: Hindi ko ho alam yan. Saan niyo yan nakuha?
Me: Miss nasa website niyo ito. Teka, encharge ka dito di ba, bakit hindi mo alam?
Lady employee: Sandali lang ho babasahin ko muna. a short pause then Ay Ma’am kong ano po yang nakasulat diyan yan, lahat po yan ay i-present niyo.
Me: Miss, kaya ko gustong makasiguro dahil wala na sa akin ang Philippine passport ko. I remember na, pinadala ito noon diyan ng German Foreign Affairs.
Lady employee: Ay Ma’am sorry but I can’t help you, yan po ang patakaran kaya yan po ang sundi niyo.
Me: Ah ganun, eh di ibalik niyo sa akin ang luma kong passport. Ganun lang din yon kadali di ba?
Lady employee: Ma’am imposible hong mangyari yan dahil dahil wala na sa amin ito.
Me: Eh yon naman pala eh, so why are you people requiring that? And besides bakit nakalagay sa listahan na ANY? Hay naku it looks like hindi mo ako matutulungan so thank you miss for your time and effort. Bye!

I have heard so many negative comments about Philippine Embassy employees regarding their working abilities and how they treat people when it comes to serious matters. But I never imagined I’m going to experience it myself. Sabagay, bakit nga naman maiba ano? Honestly speaking, umuusok ang dalawang butas ng ilong sa ganitong sitwasyon. I mean how can they employ someone who has no idea what she’s doing? Hindi na ba uso ang briefing ngayon?

My next experience happened in 2005, I won a back and forth flight ticket to Philippines. Gusto ko sanang i-encash nalang ito dahil kauuwi ko lang the previous year. Oo nga libre ang ticket pero alam naman nating lahat ano na mas malaki pa dito ang kailangang allowance compared to airfare. Since hindi pala pwedeng i-encash, napilitan nalang akong umuwi with my little boy. Hubby even suggested na mag-stay daw ako ng matagal doon habang hindi pa pumapasok sa Kindergarten ang bata. So ayon, pina-schedule ko ang lipad namin ng January tapos balik April. Almost three months din yon dahil end of January kami lumipad. Continue reading →

Winter Is Here Again

Posted on December 14, 2007 by Beng

The winter season is here again and you may not believe me but winter has always been my favorite time of year. Not only because it is close to Christmas but because it is the season with the most variety of clothes to wear. Sure that’s shallow, but summer is much more simplistic in its fashion with a selection of tank tops, shirts, shorts and sandals. On winter, however…you have your pants, jeans, long skirts, boots, weather resistant shoes, sweaters, turtlenecks, long-sleeve shirts, blouses, cardigans, heavy coats, leather jackets. The selection is endless and I haven’t even mentioned the accessories.

The hardest thing about winter is how to stay comfortable in different environments, basically being outside dealing with the weather or inside adjusting to a heated room. The best combination I’ve always used for wintertime is a knitwear or a sweater and a heavy coat, the one you saw on my previous entry. This outfit can deal with any situation. Just because winter is upon us doesn’t mean it is time to pass the winter in a dormant or torpid state. So how about you guys is your wardrobe winter ready? It is time to check out or take out your winter clothings from the box now and have at least some of it available. It only takes a few items to update your look, so keep cool. Get out all your winter clothes from where you hide them and mix up those what you have and get creative!

No idea yet? Okay, here are some essential items that will keep you warm and of course looking fashionable through the colder months. Jumper – is one of the must have item for the season. Sweater – is good at everything it sets out to be, with great wind insulation and warmth. Jacket – is perfect for the days where coat is too much. Knitwear – is always big in winter too, and there are plenty of styles to suit. And oh, please don’t forget that a good pair of denim jeans will suit any season.

Show It To Me Baby – Aha Aha

Posted on December 12, 2007 by Beng

Ivy – the bag friend, makeup whore, shopaholic and at iba pa tagged me awhile ago about “Show-And-Tell-Bag” or “Let The Cat Out Of The Bag” (her version). Hmmn, medyo nahirapan ako dito dahil I simply can’t decide which bag to feature. Like Ivy I have several bags too but I have four favorites, kasi they are malaki therefore spacious. Very handy ito para sa mga taong katulad ko na laging on the road. What I’m actually doing is apat na beses akong nagpapalit ng bag in one month (para equal ang treatment). Sometimes madalas pa nga kaysa apat, depende sa occassion, attire at mood. Huwag na kayong magtaka kong bakit, ganyan lang talaga kapag uber ang kaartihan ng isang maluhong baliw na katulad ko. I mentioned this part already in “The Seven Truth About Me”.

Let me introduce my darlings to you. From the left:
My messenger bag “Naviglio”, next is Hobo Bag “Chain”, the lovely “Alma” and last but not least “Vitello Daino Tote”.

Let the cat out of the bag daw.

So heto na ang laman-loob ng aking bag. Simulan natin from the top:
cosmetic case, perfume, lip gloss, lipstick in four different shades, stick foundation, stick blush-on, nail pile, two lip liner pencil, pressed powder, eyedrop, two lip balsam (one is for me and the other is for the kids).

Let us start from the top again:
My big fat wallet (hehehe biro lang ang fat), my new shades, car key, agenda, eyeglasses (can’t read without it), cellphone (ayaw ko na sa kanya), card holder, memory stick and pen with my initials.

Ngayon ay pagkakataon ko ng gumanti :grin I am passing this tag to the following victims:
Ambo, SardonicNell, Repah, Diwatang Biyaning and Miss Nosebleed.

Credit Card Woes

Posted on December 12, 2007 by Beng

A credit card is almost necessary in the world in which we live. It is needed for some very basic functions on occasion but also for help in times of emergency when cash is low. Having a credit card can be beneficial if you use it in a responsible manner.

However, for many people credit card spending isn’t quite that simple. It seems to take next to no time for them to collect a huge balance on the card, and it seems to take an eternity to actually repay it. Credit card debt can be crushing and very difficult to deal with. But while the burden of debt can truly feel heavy on your shoulders, it does not mean that you can never get rid of it. All you need to do is to work out some resolve and take a few steps to work out the settlement of your debt.

There are a number of solutions available to those looking to consolidate their credit card debts in order to reduce repayments and interest and make repayment of the debts more manageable. Credit card consolidation is one of the most effective ways of dealing with these balances. Consolidation basically takes all your balances and lets you pay them off by combining them into a single loan, from a bank or other provider, that has a much lower interest rate. This single loan has the advantage of a lower rate but it also makes the debt easier to manage, because you only have one payment to deal with.

Pinay Scandal II – At Its Finest

Posted on December 10, 2007 by Beng

What a big scandal!!! An unknown hot (kuno) Pilipina photographer joined a socialite’s party in Würzburg, Germany last Wednesday. She was caught eating and drinking instead of doing her appointed work. The said photographer got drunk at the said party and all the shots she made were real bad (BAD dahil puro lalakwe lang ang kinunan).

The organizer didn’t consider a lawsuit because they knew it wouldn’t fix anything. They simply kicked her out kaya naging palaboy-laboy ito sa lansangan for a few days…

…at papose pose na parang engot na pasmadong di natunawan.

The other day, she tried to work as “tindira” sa isang christmas fair. Pero nasisanti din kaagad dahil nakipag-away ito sa mga customer.

On that same day, naisipan niyang makisali sa mga street musician. Tega bantay siya sa box na pinaglalagyan ng kitang pera.

Ang bruhang litratistang Pinay ay hindi nakapigil sa tukso…itinakbo niya ang kita ng mga musician. Dahil sa katabaan…hindi ito nakatakbo ng malayo kaya ito ay nadakip din kaagad ng mga polisiya.

Naka sunglass (siguro dahil sa hiya) kahit walang araw itong dinala sa city pound (puno ang jail eh) ng ciudad na kinaganapan ng naturang krimen.

Ito po ang pinakabagong kalukringan na hatid sa inyo ni Ms. Lucresia de Natunawan!

Kauderwelsch

Kauderwelsch – im wahrsten Sinne des Wortes!

Monthly Archives: December 2007