Tuesday, January 17, 2012

chinese zodiac compatibility

Find out if you & your partner are compatible with each other. Mnie is not. So bad! And I think it's trueeeeee!


Want to know everything about Zodiac signs?Please visit this page, It may help you..


Monday, January 16, 2012

Senate Bill 1277"Fair Debt Collection Practices"

I found this very helpful to those who are experiencing harassment from Collections Agencies and the like. Upon searching blogs on how I will deal with my unpaid credit cards, I stumbled upon this blog. I am so grateful to Mr. Fitz who posted this article on his blog.

Apparently, on July 4, 2007, during the 14th Philippine Congress, Senator Miriam Defensor Santiago introduced Senate Bill Number 1277 entitled “An Act Providing For Fair Debt Collection Practices and Requiring Debt Collectors To Observe Such Practices”.
In her explanatory note, she says:
There is abundant evidence of the widespread use of abusive, deceptive, and unfair debt collection practices by many creditors and debt collectors. Abusive debt collection practices have contributed to a number of unwarranted personal bankcruptcies, to marital instability, to loss of jobs, and to invasions of individual privacy. Existing laws are inadequate to protect borrowers. In fact, the borrowers’ only recourse is Article 287 of the Penal Code.
The purpose of this bill is to eliminate abusive debt collection practices by creditors and debt collectors for the following reasons: First, means, other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts; second, to ensure that those creditors and debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged; and third, to provide an adequate legal remedy to consumers against abusive debt collection practices.
In case you’re wondering what Article 287 of the Philippine Revised Penal Code is, I also researched that and it states:
Art. 287. Light coercions. Any person who, by means of violence, shall seize anything belonging to his debtor for the purpose of applying the same to the payment of the debt, shall suffer the penalty of arresto mayor in its minimum period and a fine equivalent to the value of the thing, but in no case less than 75 pesos. Any other coercions or unjust vexations shall be punished by arresto menor or a fine ranging from 5 pesos to 200 pesos, or both.
debt collector Philippine Fair Debt Collection Practices Act
In any case, if you’re interested in reading this Senate Bill, it is available for download as a PDF file on this page. I tried to fully understand what it says and from my point of view, here are some of the important things cited inside the bill:
  • All debt collectors must fully identify himself or herself and state the institution he or she represents.
  • Debt collectors cannot call during times when it is known to be inconvenient, which is initially assumed to be before 8 in the morning and after 9 in the evening,
  • They cannot contact the consumer at work if the collector knows that the employer doesn’t approve of such calls.
  • Debt collectors may not harass, verbally abuse or use profane language when communicating with the consumer
  • They are also prohibitted from using false representation or identity, such as that of a lawyer or a police authority, to coerce the consumer into paying his or her debt
  • Debt collectors may not solicit payment for fees other than which is legally owed by the consumer.
  • They should also honor a written request from the consumer to stop further contact from them.

Sunday, January 15, 2012

My Birthday Prayer

Thank you, God, for giving me another year of life.
Thank you for all the people who remembered me today
by sending cards, and letters, gifts and good wishes.

Thank you for all the experience of this past year;
for times of success which will always be happy memories,
for times of failure which reminded me of my own weakness 
and of my need for you,
for times of joy when the sun was shining,
for times of sadness which drove me to you.

Forgive me
for the hours I wasted,
for the chances I failed to take,
for the opportunities I missed this past year.
Help me in the days ahead to make this the best year yet,
and through it to bring good credit to myself,
happiness and pride to my loved ones,
and joy to you. Amen. :)

Thursday, January 5, 2012

What animal are you?

You may have always wondered which animal you would be if you weren't a human... Perhaps a bird, monkey, or a cat?


January 01 - 09 ~ Dog
January 10 - 24 ~ Mouse
January 25 - 31 ~ Lion

February 01 - 05 ~ Cat
February 06 - 14 ~ Dove
February 15 - 21 ~ Turtle
February 22 - 28 ~ Panther

March 01 - 12 ~ Monkey
March 13 - 15 ~ Lion
March 16 - 23 ~ Mouse
March 24 - 31 ~ Cat

April 01 - 03 ~ Dog
April 04 - 14 ~ Panther
April 15 - 26 ~ Mouse
April 27 - 30 ~ Turtle

May 01 - 13 ~ Monkey
May 14 - 21 ~ Dove
May 22 - 31 ~ Lion

June 01 - 03 ~ Mouse
June 04 - 14 ~ Turtle
June 15 - 20 ~ Dog
June 21 - 24 ~ Monkey
June 25 - 30 ~ Cat

July 01 - 09 ~ Mouse
July 10 - 15 ~ Dog
July 16 - 26 ~ Dove
July 27 - 31 ~ Cat

August 01 - 15 ~ Monkey
August 16 - 25 ~ Mouse
August 26 - 31 ~ Turtle

September 01 - 14 ~ Dove
September 15 - 27 ~ Cat
September 28 - 30 ~ Dog

October 01 - 15 ~ Monkey
October 16 - 27 ~ Turtle
October 28 - 31 ~ Panther

November 01 - 16 ~ Lion
November 17 - 30 ~ Cat

December 01 - 16 ~ Dog
December 17 - 25 ~ Monkey
December 26 - 31 ~ Dove

If you are a

Dog : A very loyal and sweet person. Your loyalty can never be doubted. You are quite honest and sincere when it comes to your attitude towards working. You are a very simple person, indeed. Absolutely hassle free, humble and down-to-earth!! That explains the reason why your friends cling on to you! You have a good taste for clothes. If your wardrobe is not updated with what is trendy, you sure are depressed. Popular and easy-going. You have a little group of dignified friends, all of them being quality-personified.

Mouse : Always up to some sort of a mischief! The mischievous gleam in your eyes is what makes you so cute and attractive to everyone. You are an extremely fun-to-be-with kind of person. No wonder people seek for your company and look forward to include you for all get-together's. However, you are sensitive which is a drawback. People need to select their words while talking to you. If someone tries to fiddle around and play with words while dealing with you, it is enough to invite your wrath. God bless the person then!

Lion : Quite contradictory to your name, you are a peace loving person. You best try to avoid a situation wherein you are required to fight. An outdoor person, you dislike sitting at one place for a long duration. Popular and easy-going. You are a born leader, and have it in you how to tactfully derive work from people. People love the way you always treat them. You love being loved, and when you receive your share of limelight from someone, you are all theirs!!!!

Cat : An extremely lovable, adorable person, sometimes shy, with a passion for quick wit. At times, you prefer quietness. You love exploring various things and going into depth of each thing. Under normal circumstances you're cool but when given a reason to, you are like a volcano waiting to erupt. You're a fashion bird. People look forward to you as an icon associated with fashion. Basically, you mingle along freely but don't like talking much to strangers. People feel very easy in your company. You observe care in choosing your friends.

Turtle : You are near to perfect and nice at heart. The examples of your kindness are always circulated in groups of people. You, too, love peace. You wouldn't like to retaliate even to a person who is in the wrong. You are loved due to this. You do not wish to talk behind one's back. People love the way you always treat them. You can give, give and give love, and the best part is that you do not expect it back in return. You are generous enough. Seeing things in a practical light is what remains the best trait of you guys.

Dove : You symbolize a very happy-go-lucky approach in life. Whatever the surroundings may be, grim or cheerful, you remain unaffected. In fact, you spread cheer wherever you go. You are the leader of your group of friends and good at consoling people in their times of need. You dislike hypocrisy and tend to shirk away from hypocrites. They can never be in your good books, no matter what. You are very methodical and organized in your work. No amount of mess, hence, can ever encompass you. Beware, it is easy for you to fall in love....

Panther : You are mysterious. You are someone who can handle pressure with ease, and can handle any atmosphere without going berserk. You can be mean at times, and love to gossip with your selected group. Very prim and proper. You like all situations and things to be in the way you desire, which, sometimes is not possible. As a result, you may lose out in some relationships. But otherwise, you love to help people out from difficult and tight spots when they really need you.

Monkey : Very impatient and hyper!!! You want things to be done as quick as possible. At heart, you are quite simple and love if you are the center of attraction. That way, you people are unique. You would like to keep yourself safe from all the angles. Shall your name be dragged or featured in any sort of a controversy, you then go all panicky. Therefore, you take your precautions from the very beginning. When you foresee anything wrong, your sixth sense is what saves you from falling in traps. Quite a money minded bunch you people are.

Sunday, January 1, 2012

Praying for you

Dear TS,

We may never be friends but I pray that you'll be forgiving and learn to ask forgiveness to those you hurt. In this season of gift-giving I asked God to forgive you. In the same manner that I will forgive you. I hope you can move on and don't ever make the mistakes in the past. I believe that what man sow he shall reap, it's very true. Be a better person now, especially you'll be away.

I know you never liked me, you have your reasons and I respect that, what I've learned from all our adversities was the character of a person is measured on how she treats the people fairly which she gains no favor and yet she can still show kindness. You choose people you want to be good, but in fairness, I know how much you love  and value your friends. In all honesty, I am not trying to be "holier-than-thou attitude".

Sadly, I know how badly you treat others and I'm one of them.  Be true and be a little kinder to those who do not belong to your circle. I want to pray for you. I want to ask God to soften your heart and have a good attitude now that you'll be working in a foreign land.

Try to be humble, ask God for it. Lastly, I wanna thank you because you decided to leave and for that you made some of us happy about it. I realized that your decision to work abroad would  mean less pressure on us and can help both of us to move on.

Thanks for making me smile every time  I think that we won't see each other anymore. I feel so excited now because for the longest time  I had hard time dealing with you. God knows how much I struggled to be at peace with you but it didn't work out. It is really an answered prayer and I am also grateful that I was spared to hurt you, for I knew being together a little longer in one section would create trouble between us.

Ironically, I am being grateful to the person who hated me so much.  I'm not being hypocrite, I'm just tryng to be Godly and it's the only right thing to do. God said love your enemies and do good to those who hate you (Luke 6:27).

We both knew things would never be quite good between us. We have so many differences but  I never wish that something awful would happen to you. Truth  be told, I never liked you even before. But I never showed it, in fact I tried to be nice to you even if you have been so mean to me. 

I was expecting somehow,that before you leave you would talk to me and admit that you hurt me.  Unfortunately, it did not happen, but it's alright, after all we're running in circles. Someday our path may cross again. And if the day comes, I pray that we have forgiven each other. 

Be careful with your attitude  so that it won't give you trouble. Perhaps, someday you would also be able to read my letter. I pray that everything will fall into right places. May you find happiness in your new job. Take care and be good.



sharing a beautiful song on New year's day

May each day in the week be a good day
May the Lord always watch over you
And may all of your hopes turn to wishes
And may all of your wishes come true

May each day in the month be a good day
May you make friends with each one you meet
And may all of your daydreams be mem'ries
And may all of your mem'ries be sweet

The weeks turn to months and the months into years
There'll be sadness and joy, there'll be laughter and tears
But one thing I pray to heaven above
May each of your days be a day full of love

May each day in the year be a good day
May each dawn find you happy and gay
And may all of your days be as lovely
As the one you shared with me today

May each day of your life be a good day
And good night.