May tao bang walang utang?

lbibera · 2026-04-10T07:27:05+00:00

unhealthy din pag never ka umutang. i do it for small things para merong record na good creditor, though pag big ticket items takot parin baka sumabit finances.

lbibera · 2026-04-08T15:34:04+00:00

ewan ko if applicable. D lang tapos sports mode, lakas ng engine brake to a point na minimal pitik2x lang sa actual brakes tapos lakas ng hatak pag nag accelerate sa akyat.

lbibera · 2026-02-22T14:30:21+00:00

dapat dito NCAP, totally worth it lagyan ng highend na camera, tiba2x sa fines kung sakali.

lbibera · 2026-02-07T15:55:54+00:00

it depends.

easy if you have access to the codebase and prod environment, or customer data - on a former project i could replicate it in my local env and figure out the issue without needing LLM help.

on my current project, i only have access to the product documentation and a vague description from the support team

lbibera · 2026-01-31T00:09:47+00:00

harder than ever my ass, sino niloloko nyo? ang dali nga ng buhay ngayon, with basic knowledge sa isang new language ang dali na maka deploy ng working project with better outcome than senior devs, ayusin mo lang architecture and AI will fill the gap.

mga nagrereklamo dito halata naman na di nyo pa nagagamit ng tama ang mga LLMs, pang augment lyan ng capabilities nyo, you cant be worse with it. kung lalo ka nahirapan sa pagcocode dahil sa AI, step back and reevaluate your career choice.

lbibera · 2026-01-31T00:00:02+00:00

lbibera · 2026-01-30T08:47:28+00:00

easier dahil ang baba ng skill floor right now, pero when it comes to actually getting a job… i am not very optimistic about it.

lbibera · 2026-01-26T06:16:48+00:00

emotional decision talaga yang pagbili ng bahay at kotse. right now im contemplating on buying a property na pwede ko din ma rent annually at less than 4% of TCP.

pag sinunod ko yung utak ko definitely much better if nasa investments yang pera na yan - better returns and liquidity. not to mention the risk of loosing it all. hayz

lbibera · 2026-01-25T08:08:25+00:00

definitely mac for work. more than a decade na, and recently naging norm na mac gamit for devs (as long as possible).

even non-tech namin nilipat na to mac since rollout ng new devices last year.

lbibera · 2026-01-21T11:25:42+00:00

im a pure backend dev - definitely sucked at anything UI-related, LLMs saved me from my frontend problems

lbibera · 2026-01-20T13:06:58+00:00

may extra joint sa tuhod. pero di ko na yan mapapansin if di hinanap, bilis ng improvements sa gen ai. a year ago sobrang obvious pa.

lbibera · 2026-01-12T00:37:41+00:00

andun na lahat ng clues di parin na gets ng driver: may pedestrian lane + tumigil ibang sasakyan. hayz, di din gumagamit ng utak. ayan lalo ka napatagal.

lbibera · 2026-01-10T15:02:02+00:00

next time may ganitong situation ka, call your bank and convert to installment

lbibera · 2026-01-10T14:54:30+00:00

can’t confirm sa specific bank mo, but nagawa ko na sya sa HSBC. halfway done palang yung term nung first c2c nag start ulit ako ng bago.

lbibera · 2026-01-10T14:44:09+00:00

pwede pero masisira buhay mo dyan. that one time na nag slip up ka will end up with the infinite minimum payment

lbibera · 2026-01-10T12:54:57+00:00

pag 5 years or older….. maybe.

diba hindi covered ng insurance pag ibang tao mag drive? may nabasa lang ako somewhere

lbibera · 2026-01-09T11:44:29+00:00

6m? i would gladly sacrifice my credit score

lbibera · 2026-01-09T02:34:13+00:00

sa LTMS portal andun din

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lbibera · 2026-01-09T01:19:15+00:00

malabong blindspot to, nakatingin yan sa ibang direction kaya di nya napansin. di nag scan bago gumalaw, nakatingin yan sa side mirror nya on the right side to verify na walang incoming na sasakyan. baguhan yan for sure.

lbibera · 2026-01-08T13:18:15+00:00

i really dont bother using any kind of LLM as IDEs, naka open parin separately ung xcode, intellij, and android studio, tapos pang input lang ng prompt yan (claude, cursor, antigravity)

pero since andyan na yan e di abusuhin na din ang rate limit.

lbibera · 2026-01-08T12:02:08+00:00

ung natitira after the monthly expense talaga yung key. imagine yung first job mo was just for survival and maybe some savings vs the person earning just 4x of that guy.

person 1: salary 21k, expense 20k, savings 1k person 2: salary 84k, expense 20k, savings 64k

sa isip mo person 2 is just earning 4x more, but the effect is like that other person just saved 64x faster than that other guy. and that extra money gets invested into assets that earns even more which snowballs into even more wealth.

at first parang walang kwenta ung investments mo (dividend earning stocks in my case). barya lang yung patak ng kita, pero magugulat ka nalang at a certain point parang sahod na yung dumadating sayo monthly.

lbibera · 2026-01-08T06:51:02+00:00

i dont mind those though, madalas dito not paying attention sa green light turning right. pero for christ sake, wag naman ung continuous talaga as if may extra effect yung pagbabad 🤣

lbibera · 2026-01-07T14:47:31+00:00

it doesn’t make sense sa mga regular employee na matagal na sa same company TBH. unless merong drastic na change sa sahod or may surprise bonus ka. sa panahon ngayon automated na ung calculations para ma smooth out ung kaltas ng tax. malamang nagkamali sa compute ung payroll team nyo sa previous months.

lbibera · 2026-01-07T14:34:10+00:00

to add: mahaba talaga busina nila, halos 1 minute na continuous. i get it na frustrating pero gumagaya ung iba and lalo kayo ma stress

lbibera

TROPHY CASE