This month, sinimulan ko pong tumigil na sa pag-tapal method. Hinayaan ko nang mag-OD yung mga loans ko. Sumahod ako ngayon at majority, binayad ko, at meron na pong konting progress:

Atome Loan - today, dalawa yung na-close kong loan. Isang hulog nalang sa natitirang loan.

UnionBank Personal Loan - totally closed na po (sobrang bigat nito dahil 10k a month ang amort)

So, dahil jan, eto nalang po natitira kong loans:

• SPayLater: ~3k
• SLoan: 12 active and OD loans dahil sa tapal method
• Atome Loan: 1.6k (isang hulog nalang)
• Atome Card
• GCredit
• GLoan: 3 active loans
• JuanHand
• Billease: 5 active loans
• FT Lending
• SSS Loan (3 buwan nalang tapos na)
• Security Bank credit card IDRP (3 years nalang)
• UnionBank credit card IDRP (3 years nalang)
• TendoPay - autodeduct sa sahod (mejo mabigat, 5k per cutoff)
• Tonik Loan - 4 months remaining

Sobrang dami pa po... pero tatry kong makabangon. Sobrang hirap. Sana matagal ko nang natutunan to :(

Good luck po sa ating lahat.

Kailangan po ba makipag-usap sa kanila or may letter lang na iaabot?

In Crash 2, the first boss was the second boss of Crash 1: Ripper Roo

In Crash 3, the first boss was the third boss of Crash 2: Tiny Tiger

In Crash 4, the first boss was the fourth boss of Crash 3: N. Gin

In Crash 5, will the first boss be the fifth boss of Crash 4: N. Tropy?

>“We got rid of our HR team.”

>For most executives, that’s a sentence likely to provoke intense anxiety. But for Bolt CEO Ryan Breslow, it was unavoidable.

>Speaking at Fortune’s Workforce Innovation Summit on Tuesday, the 31-year-old defended sweeping workforce cuts at Bolt—including a recent layoff affecting roughly 30% of employees—as well as his decision to eliminate the company’s HR team.

>“We had an HR team, and that HR team was creating problems that didn’t exist,” Breslow told Fortune editorial director Kristin Stoller. “Those problems disappeared when I let them go.”

>The move may sound drastic, but Breslow said it was a necessary step to resurrect the struggling fintech company he first cofounded in 2014 in his Stanford dorm room. 

>After soaring to an $11 billion valuation in 2022, employing thousands of workers, Bolt’s fortunes reversed sharply. Breslow stepped down as CEO the same year, and by 2024, the company’s valuation had reportedly fallen to roughly $300 million—a decline of nearly 97%—while multiple rounds of layoffs dramatically reduced its headcount. Breslow attributed the downturn to poor decision-making and overspending.

>Breslow returned as CEO in 2025, operating in what he calls “wartime.”

>“We’re back in startup mode again, and those HR professionals have really important insights when you’re in a peacetime and when you’re at a larger company,” he said, adding that Bolt has since brought on a smaller people operations team to oversee required training and serve as a resource for employees. 

>While Breslow didn’t get into the specifics of the exact differences, he wrote on LinkedIn last year that, “HR is the wrong energy, format, and approach. People ops empowers managers, streamlines decision making, and keeps the company moving at lightning speed.”

>“We need a group of people who are very oriented around getting things done, and there is just a culture of not getting things done and complaining a lot,” he added at the Fortune conference.

>Beyond HR, Breslow said Bolt had fallen into a broader productivity slump, with employees growing too comfortable during the company’s boom years.

>“There’s a sense of entitlement that had festered across the company, and people who felt empowered, felt entitled— but weren’t actually working hard. And this is the number one thing that I had to battle,” Breslo said. “Ultimately, most of those people just had to be let go.”

>When he returned as CEO, he said he gave employees who had been hired under the prior leadership structure 60 days to adapt to a leaner, startup-style culture. But the result was that “99%” couldn’t adapt, and Breslow eventually got rid of nearly the entire leadership team and started from scratch.  

>“They had gotten used to working at a company where they didn’t have to get their hands dirty, and could spend a lot of money, and we just didn’t have that money to spend anymore, and we didn’t have that luxury,” he said.

Ganito po kasi: madami po akong utang sa mga OLA, pati na rin sa credit card ko. Yung credit card ko po, putol na - under IDRP na silang dalawa. So bale, may payment plan lang po ako sa kanila every 30th of the month. Priority ko po sila kasi kapag namiss ko ang payment nito, ako rin ang mahihirapan in the future.

Sa ngayon, eto po ang mga pinagkakautangan ko: SPayLater, SLoan, GCredit, GLoan, Billease, FT Lending, TendoPay, Tonik Loan, JuanHand, Atome Cash, Atome Loan. Multiple loans din po ako sa iba jan.

Ang bayaran sa work ko ay every two weeks. Tapos, yung TendoPay ko, naka-autodeduct po sa sahod ko. Twice a month sila magkaltas. Kaya pag dating ng sahod sa akin, bawas na.

Di po talaga sapat.

So, mas maganda po ba na bayaran ko ang mga OD ko base sa pagkakasunod-sunod?

Example: Sa sahod ko sa katapusan, dapat po ba unahin kong bayaran yung mga past due ko from May 4–May 21. (Di po lahat mababayaran, so maraming matitira dito. Ang mangyayari, sa next sahod na ulit yung mga di kakayanin.)

Or mas OK ba na bayaran ko yung mga present at upcoming na bill para di ma-OD? Di ko na po kase alam ang gagawin eh :(

Salamat po.

>Valve risks fines of up to AU$825,000 a day if it fails to respond to a transparency notice issued to it by the Australian government's eSafety Commissioner. According to a statement released by the regulator, Steam is "reportedly a hub for a number of extreme-right communities", and must explain to Australia how it is "identifying, preventing and responding to these harms".

>Valve isn't the only gaming organisation under fire: Roblox, Microsoft (for Minecraft), and Epic Games (for Fortnite) have all been served transparency notices as well.

>"We’ve seen numerous media reports about grooming taking place on all four of these platforms as well as terrorist and violent extremist-themed gameplay," eSafety Commissioner Julie Inman Grant said. "This includes Islamic State-inspired games and recreations of mass shootings on Roblox, as well as far right groups recreating fascist imagery in Minecraft.

>"Media reports have also pointed to games in Fortnite gamifying the horrific events of the WWII Jasenovac concentration camp and the January 6th US Capitol Building riots, while Steam is reportedly a hub for a number of extreme-right communities."

>I've reached out to Valve for comment and will update if I hear back.

Ano po bang mas magandang strategy? Madedelay po kasi yung payments ko at maooverdue na yung mga utang ko.

Pag sumahod po ako, mas maganda po bang bayaran ko yung mga overdue ko (chronologically) or mas maganda ba na ibayad ko yung pera sa mga upcoming bills na hindi pa overdue?

Di ko na po kasi alam ang gagawin. Lagi po kasing hindi magmamatch (at hindi kasya) yung sasahurin ko. At least -- for the next two or three months.

Sana po may makatulong na payo. Salamat.

Overdue debts: Should I pay my overdue debts on my pay day, or reserve my salary to prevent upcoming bills from going overdue and bayaran nalang mga OD pag kaya na? Di po kasi kasya talaga.

Ano po bang mas magandang strategy? Madedelay po kasi yung payments ko at maooverdue na yung mga utang ko.

Pag sumahod po ako, mas maganda po bang bayaran ko yung mga overdue ko (chronologically) or mas maganda ba na ibayad ko yung pera sa mga upcoming bills na hindi pa overdue?

Di ko na po kasi alam ang gagawin. Lagi po kasing hindi magmamatch (at hindi kasya) yung sasahurin ko. At least -- for the next two or three months.

Sana po may makatulong na payo. Salamat.

Ano po bang mas magandang strategy? Madedelay po kasi yung payments ko at maooverdue na yung mga utang ko.

Pag sumahod po ako, mas maganda po bang bayaran ko yung mga overdue ko (chronologically) or mas maganda ba na ibayad ko yung pera sa mga upcoming bills na hindi pa overdue?

Di ko na po kasi alam ang gagawin. Lagi po kasing hindi magmamatch (at hindi kasya) yung sasahurin ko. At least -- for the next two or three months.

Sana po may makatulong na payo. Salamat.

I wanted to include Bush because they're my favorite band. Do you happen to have anything of this sort? I would thank you forever! Just need proof.

Please please please. I was assigned this late last year and the deadline is really coming up. :(

I've tried everything. Old blogs, Flickr, google searches, even watched YouTube videos but I can't seem to find one from this era. :/ Although I know he used to wear them because people would reference and/or joke about Gavin Rossdale and leather pants all the time in forums.