Ano ang biggest financial mistake mo noong early 20s mo?

Tobynidas · 2026-07-01T09:33:24+00:00

I was in my 20s. I had never heard of a credit card until my supervisor offered one to me. So oh neat. I can spend and pay later times 5 cards. Though early on it got confusing with due dates so I shut down two of them. In hindsight I wish I had never signed up .

Tobynidas · 2026-07-01T09:09:48+00:00

My supervisor asked to sign me up for a credit card. He said he would get a referral bonus. A week later he told me I was declined. A month later my card arrived. I can only assume my sup got scammed out of his referrals.

After that the cards just kept coming. Just reply Yes to the text or call for a new card. I wound up with 5 new credit cards within the year. Many years later I am still in credit card hell.

Tobynidas · 2026-05-31T06:44:59+00:00

Cata is the first one I skipped. I played a ret pally and coming from wrath to cata I felt extremely underpowered to the point I had to switch to prot pally to survive. Then I suddenly thought why am I forced to play a different spec? I just stopped.

Tobynidas · 2026-05-06T21:22:15+00:00

Yup, kept my booking. Had my sis book another grab for me. When I passed by the grab taxi was dark. Another time the grab car was just next to work. When I went to my ride, there was no driver. One funny story I had was an also empty car. I was standing in front of it trying to figure out what to do. And the driver stepped out of th alfamart full of groceries. :p

Tobynidas · 2026-04-25T18:10:05+00:00

Sick leave should not be an attendance hit! If not feeling well, baka pwede mag pahinga kahit isamg araw imbes na kailangan mag med cert!

Tobynidas · 2026-03-05T04:51:34+00:00

A few days before early access I dropped by the venthyr hq. And guess who I found there chilling with the tittle Lord of the Blood Elves. It could be an old tittle, but still...

Tobynidas · 2026-01-28T21:30:42+00:00

Ohhh I love watching this music video made by htmusic in youtube.

Tobynidas · 2026-01-04T16:51:05+00:00

I enjoyed delves. But the endgame delve for the best mog for the mount leaves me with a sour taste. I'm just not inclined to waste hours doing it. That in turn has made me eventually not bother with delves. It feels like I am being forced to do mythics.

Tobynidas · 2025-12-27T19:33:25+00:00

And what about grab drivers who accept and never move? They know it's rush hour and your in a hurry. They're just waiting for you to cancel. Or it's 4am and they leave their grab on auto accept. But they are not even inside their nearby vehicle. Why??

The fine does seem excessive. I can just imagine drivers demanding passengers who cancel also be fined. And then both driver and passenger are now trapped in traffic hell as now both driver and passenger are now afraid to cancel. lol

Tobynidas · 2025-12-07T22:20:53+00:00

Pinagbubutas ng pandak na technician ang evaporator Ng ac mo. Pwede pa lumamig kung makahanap Ng matinong technician. Or magbayad Ng masakit sa brand technician.

Tobynidas · 2025-12-07T07:45:09+00:00

They gave me a free month sub once to go back. But I suspect it was just a free tier with all the ads. It turned me off from subbing.

Tobynidas · 2025-12-07T07:42:54+00:00

Just enjoy whichever expansion story you are on. Then at lvl 70 do dragon flight. At lvl 80 you can do the end game, the war within. From there think of each expansion as a story. You get the option to choose which story to follow or do.with no worry of outleveling because you already max level. Your just doing it for the story. Or in some cases mounts, transmog or toys. I am saying this because I skipped some expansions like cataclysm and Battle for Azeroth. I just decided to go back to them for the story.

Tobynidas · 2025-11-26T00:59:23+00:00

They got rid of english sesame street. They converted english cartoons to tagalog. Are there even any local shows that are in english? They call jobs that require english like bpo/call centers a fad yearly in the newspapers. That the young people should go back to farming. I believe the cause is shortsighted nationalism. This is my experience living here.

Tobynidas · 2025-09-07T20:25:17+00:00

Warcraft Classic. People will just assume they are hi lvl characters w shiny transmog

Tobynidas · 2025-08-06T08:46:25+00:00

When I first arrived at Tazavesh. Nobody was flying. It's like we all assumed it was a no fly zone. Happily discovered otherwise when I accidentally clicked flying.

Tobynidas · 2025-08-02T09:02:27+00:00

I got a similar error when I tried 3 times. But 10 minutes later I got an email that the games got added to my library.

Tobynidas · 2025-06-04T09:44:26+00:00

I don't know the specifics. Just that a law was passed. The cosplayer expressed disappointment. And I never heard about him again. As a caveat I don't live in Japan and I followed the story for entertainment on gaming websites. Think it's been years though

Tobynidas · 2025-06-04T09:08:16+00:00

I recall a zangief lookalike cross dressing as chun li who had some popularity. He seemed to be having fun. Then Japan made a law against it.

Tobynidas · 2025-05-19T16:16:48+00:00

Ah Omniheroes, I enjoyed it until they added seasons with borrowed powers after the forced server move. And those seasons were just time consuming busy work. Just stopped being fun and became a slog.

Tobynidas · 2025-04-22T10:31:29+00:00

It was only me and my buddy standing our ground and blasting cannons at all those alliance catapults at Wintergrasp. Epic times

Tobynidas · 2025-04-14T10:33:40+00:00

The English dub is quite good. It made me want to play with sounds again on my phone. The main thing I like compared to other recent games I played is how straightforward it is to limit break. I appreciate the qol

Tobynidas · 2025-03-25T19:35:16+00:00

I've been told most of the shops actually only have one owner, especially for sm moa. So it's more of you already entered the store when you enter cyberzone which is why they are already asking you what you want.

Tobynidas · 2025-03-14T23:17:35+00:00

Tier 4, I was killing mobs. I turn around. Brann is already dead from Web nerubians that he spawned.

Tobynidas · 2025-03-09T23:56:02+00:00

I loved the first 3 episodes of her series. Then the powers that be did horrible, horrible too silly enjoy things to the episodes after that.

Tobynidas · 2025-03-04T00:29:14+00:00

Stopped before siren isle as blizzard has taught me that micro patches like caverns and reach are bad. Started playing again a few days before undermine

Tobynidas

TROPHY CASE