How Secured is Unsecured Personal Loan?

Unsecured personal loan seems to be the most enticing form of bank loan due to its leniency. There is no need to put assets (read: collateral) at risk with this type of loan. Rather, the lender relies on good credit history and trust that the borrower will follow the underwritten obligations. However, what people do not know is that rejections for unsecured personal loans comprise more than half of the total rejection cases for all types of loan in the US. Why is this so?

Unsecured Personal Loan vs. Secured Personal Loan: Which Should You Choose?

Dreams turn to reality through hard work and tinge of luck. But this may not always be true, especially at a time when money is rapidly dominating the society. For banking institutions though, dreams and money always work side by side which is understandable as the nature of their business is all about money. Truly stated, banks can make dreams come true through loans like an unsecured loan – but they also make nightmares – real life nightmares!

What Should You Know Before Applying For a Personal Loan?

Choosing the right bank to file a personal loan with is as daunting as paying the dues itself. There are vital factors to where borrowers should base their decisions before making up their minds. Some are obvious considerations while some are often overlooked.

Here are the things you need to know before signing a policy and contract with bank representatives.

Party-list system in the Philippines: Is it still credible?

Incumbent party-list nominees now return to hot seat as the Commission on Elections (Comelec) starts another round of scrutiny on their statements of assets, liabilities and net worth (SALN) in preparation for the upcoming 2013 National Election. However, more than seeking for hints of corruption on unexplained wealth in this action is the probe for proper representation of the sector each nominee represents – the quest to embody the real marginalized and underrepresented sectors.

How To Lose 20 Pounds the Easiest But Safest Way?

Muffin top looks good if it’s meant to be eaten and not hang from the belly. Size 24 seems gorgeous if it doesn’t refer to a leg. Blubber-like curves are cute if they belong to a sea lion. Body size is a choice but not all choices are good. GNC understands that fact and gives everyone the chance to be the best they can be through their GNC Diet Support Formulas.

Being fat doesn’t mean ugliness, but that is certainly far from being the best. Face it, food is the biggest temptation to the horizontally challenged and you are likely to have fallen prey to reality. The next thing you’ll know, you’re already flapping with bingo wings and jiggling with loose fats. And no matter what exercise and muscle training you do, those bumps and abs will not appear as long as a thick layer of human cushion guards your core.

Best Cosplay Characters...Ever!

These are my favorite Cosplay characters to date. Name your pick.

Clockwise: Poison Ivy, Storm, Supergirl, Cardcaptor Sakura, Sakura,
The Simpsons, Freak (???), Black Widow 

More Teeth to Environmental Laws

Ombudsman Conchita Carpio-Morales is taking leniency behind and gives more teeth to environmental laws with the appointment of Deputy Ombudsman (DO) Gerard Mosquera as the new Environmental Ombudsman.

In pursuant to a 2004 Memorandum of Agreement (MOA) between then Ombudsman Simeon Marcelo and the Integrated Bar of the Philippines (IBP), around 26 lawyers from the Office of the Ombudsman will serve as the resurrected environmental team to investigate and prosecute violators of covered laws, as well as non-implementation of Philippine environmental standards. Also designated to support the team is Atty. Raquel Rosario Cunanan-Marayag as Assistant Environmental Ombudsman and Officer-in-Charge of the Public Assistance and Corruption Prevention Bureau.

Why Work for an OSHA-compliant Company?

Occupational Safety and Health Act or OSHA is a priority certification for safety and health regulation of companies. Choosing a compliant company is the best action employees can offer themselves.

Employees have the right to work safely and in accordance to standards set by law as much as employers have the right to operate despite safety and health risks. The mutual relationship between the two parties does not end on paychecks and company revenues. It is built on the foundation of trust not only in the aspect of return of income but in maintaining worry-free environment as well. For the relationship to grow deeper towards higher productivity, it is important for employers to ensure compliance with the Occupational Safety and Health Act (OSHA) that regulates risks in private companies and institutions whose natures of industry are covered by the law.

FusionExcel Quantum Pendant: Fake or Real?

I’m wearing my Fusion Excel quantum pendant with pride not because I had it for free while it was sold outside for a little more than P10,000,  but because it’s a precious memento from my mom who returned to Him last 2011. Honestly, I find mine ugly and unfashionable since it belonged to the first releases which were very basic in look (as in agimat-meets-jejemon look). The subsequent models were more gaudy and plushy, though. Thanks to the embossed Swarovski crystals and various sizes and designs they incorporated.

Photo courtesy of Quantum Science

Where were you at 25?

I have lots of insecurities as I turn 25, probably because I had high hopes and dreams when I was younger. In other words, I failed to attain my visions for myself at this age. Inappropriately, as a result, I tend to see myself as piteous as my entire frustrations blow out of proportion. These frustrations clout my judgment and darken my acceptance for blessings I've been given.

Guiltily, I feel good self-pitying sometimes. It boils the dormant motivations hidden within me and makes me burst with fighting spirit just to end up wallowing in self-pity once again. It’s a vicious cycle, a tempting loop that no one should enter.

Expectations are the best set of personal standards if they stay on the realms of reality. But what if even realistic expectations turn out to be as implausible as wild dreams? It certainly is subjective and although other people regard me the other way around, my insecurities still pull me down to dampen, rotten spirit.

I’m bitter, but I think I have valid reasons. Let me enumerate the “before and after” of my one score and half a decade of existence.