debt nation

We all work hard to provide the necesseties for the family. But with recession plaguing the economy, it's hard for a lot of families to even put food on the table. Some are fortunate to earn more than enough, and I hope they wise up a bit and not splurge on unnecessary stuff. There are a lot of ways to survive the recession. A friend of mine always preach "pay yourself first". And it makes sense. If you set money aside every paycheck, you'll be prepared for just about anything. Get insurance. You'll have the peace of mind that you and/or your family will be taken care of in an unfortunate event. Check into graded benefits life insurance and see if it's the one for you. Live below your means. A lot of people are swimming in debt right now because they live large. I can't live peacefully with that kind of headache. Can you?

Winter

Oh what a mess! Old man winter decided to wreak havoc in the midwest during the Christmas season. Lots of flights were cancelled and those who were travelling by car had to endure and battle icy/snowy weather conditions. I could just imagine the stress of travelers especially those who didn't purchase travel insurance. All they wanted was to spend Christmas with their loved ones, which I think makes all the hardships worthwhile. *sigh*

ramblings.

I've been away from the motherland since 1993, and I've only been back twice. My last visit was in 2002, for 10 days. I feel weird saying this, but I don't really miss the Philippines a lot. My mom and bro (and his family) are living in Germany, so I really have no close ties in the Philippines anymore except for my grandma and some relatives and friends. Thankfully, I am still in touch with a lot them through the internet. I also am up-to-date with the latest news and happenings about my country. I watch a lot of Filipino shows online, and I watch them for free through a website created by Pinoys. They upload anything and everything from soap, variety shows, series, concerts, news, etc. Unfortunately, I've noticed that some have uploaded viruses as well.

I have an antivirus software, but I don't think it's doing a really good job. My laptop becomes slow or at times freezes when the software starts running. And I don't think it's able to block ALL kinds of viruses. The only reason I still have this anti-virus software is because it automatically renewed last month, and it charged my credit card automatically. By the time I noticed, I was too lazy to call and cancel the subscription. I am now in the process of looking for another antivirus software.
I want one that will not slow down my laptop and one that will offer me a cutting edge protection against any viruses and spywares. I also want something that won't charge my credit card automatically. I want to be able to decide if I want to keep it or not. Sounds fair, right??

Leads

Telemarketing is an essential part in the workplace. It's something I'm not really good at. I feel I am more effective face-to-face. That's why I envy those who are really good at it. Like my friend who's in the health insurance field. She does mostly telemarketing and is quite successful at it. I asked her for tips, and she was really nice to share some with me. She also shared that she gets most her clients from health insurance leads. She said it's the best tool she's had in the industry she's in.

raging hormones.

I can sense I am PMSing yet again when I feel my blood boil for no apparent reason at all. I'm extra irritable and upset for no reason. I'm like a ticking time bomb that could explode at any moment. Trouble is, even when I'm aware of it, I still can't fight it. God knows how many times I've resolved not to get carried away by my PMS. I've tried, but I've failed (many many times). I can just imagine how I'll be like once I reach menopause. *shudder*. When that happens, I'll probably seek the help of bioidentical hormone replacement austin. I'm sure it'll be a relief.

Reflection

With Christmas right around the corner, people are starting to rush to get their Christmas shopping done. The malls are once again packed with people. It's as if the recession doesn't exist, but unfortunately, it does. A lot of people are still without jobs. So while we splurge on things like ipods, Wii, PS3, laptops, big screen TV and all the electonic gadgets consumerism dictate we should have, let us pause for a moment and think of those who are forced to live without.