Scrapbook-ing

I recently got addicted with making scrapbooks.

I found (again) the artistic part of me that hibernated since I got busy with schoolwork. Putting up together colorful papers, pictures and designing pages is relaxing. It is my way of expressing myself without any inhibitions. Despite the hectic schedule, schoolworks, exams and family responsibility I try to juggle, i still try to find the extra time to alot in my scrapbook-ing. I already bought art materials like colored papers, rubber stamp, punchers and a lot more that makes scrapbook-ing more fun. 

Brilliant!

I haven’t tried calling a toll free number before so I don’t have any idea how it works. 

I used my google-fu abilities to know what’s so special with these toll free numbers.

According to the ever-reliable Wikipedia, a toll-free number or 800 is a special telephone number wherein the called party is charged for the costs by the telephone carrier instead of the calling party. Costs are based on factors such as the amount of usage, cost of the trunk lines to the facility and/or monthly services fee.

 Whoever thought of it sure is brilliant.

Debt Collecting

  Debt collection agencies pursue debts owed by an individual or companies. They are third-party agencies because they are not originally part of the contract. Most agencies serve as agents for creditors and they earn by collecting debts for a fee or a percentage of the amount owed.

Some agencies collect debts even up to the extent of using threats if the debtor is unable to pay. The Fair Debt Collection Practice Act protects the debtors from harassment made by agencies. Threats such as physical violence should not be used by collectors when collecting debts.

Yum Yum

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CAPPUCCINO + PANDESAL  = LOVE

Wholesale insurance

Wholesale insurance can provide insurance products to retail insurance agents and brokers. The provider will make use of insurers who can consider accounts that a retail agent cannot place with the standard markets. They are the ones who specialize in hard to place insurance. They make policies that make it possible for people who find it hard to have an insurance for whatever reason. Life insurance rates from wholesale insurance are low cost, affordable and easy to acquire.

Physics Sample Exam

KUNG SINO MAN ANG KUMUHA NG COPY NG SAMPLE EXAMS NG PHYSICS73 SA NAGPHO2TOCOPY SA CASAA, PLEASE LANG… PAKIBALIK NA.

***hahaha.. hindi din pala ako sure kung mababasa niya to , pero naiinis talaga ako.