Showing posts with label Adulting with Dez. Show all posts
Showing posts with label Adulting with Dez. Show all posts

Wednesday

What I Like about BDO Credit Cards (2021 Review)

Banco De Oro (BDO) is my main bank -- I have a savings account and two credit cards with them. BDO is also the first bank to send me a credit card -- one which I did not apply for. This the reason why I decided to write a review about their credit cards.


How I Got My BDO Credit Cards

I think if you have a savings account with BDO, the chances of them sending you a BDO credit card are higher. This was what happened with my Standard Master Card. The credit card just happened to come in the mail without me applying for it.

As for my Bench Mastercard, I applied for this inside a Bench store. It was offered to me by the cashier and I just filled out an application form, showed them my valid IDs, and then I waited for their approval. I don't remember receiving a text/email from them, but the credit card was just sent to my home address. I guess a huge factor in the approval of my application is the fact that I already have a savings account and an existing credit card with BDO.

For the application requirements, you may visit the BDO website to check: 

What I like about BDO Credit Cards

  • BDO Mastercards are widely accepted/known in the Philippines. Also, most credit card terminals in malls are from BDO (especially in SM malls).
  • BDO credit cards always have promos and installment plans which you can pay in 3, 6, 12, 24, or even 36 months with 0% interest. They are also always partnered with various merchants, like appliance stores, clothing boutiques, electronic shops, etc.
  • One thing that I really like about BDO credit cards it their "buy now pay later" offer. Once you purchase something, you will be billed at a later time, which is usually on the third billing statement. This feature gives you a chance to settle your previous balances first and then prepare enough cash to pay for the new installment plan.
  • I also like that it's easier to pay my credit cards through online banking since my savings account is with BDO as well.
  • You can also use your BDO credit cards to auto charge your utilities, like for example, your electricity, water, and postpaid phone bills.

Thursday

Things I Won't Buy to Save Money

I learned about financial freedom from my former boss when I was 20 years old. That was over a decade ago, but only just recently have I truly learned the best practices to achieve financial freedom. It's better late than never, I guess! But the sooner you realize that saving money will save you, the better.

One way to achieve financial freedom, of course, is to be wise about your spending in order to save money. This year, I've decided that I will give up some things that I consider "luxuries" in order to save some cash.


1. Expensive skin care products

Most influencers push different skin care products -- there's the 10-step Korean skin care, the 7-step glass skin routine, etc. But how many expensive products do you really have to apply on your skin at night? How about in the morning? After realizing the cost of these influencer skin care products, my mind is blown. They're so expensive! And you have to buy at least 5 products (10 if you're following the 10-step routine) to have healthy, glass-like, poreless skin.

Since I want to save money, I decided to only keep my facial wash. If I'm feeling bougie, I'd put on some toner, moisturizer, and sun block. But most of the time, I skip these as well because I sweat a lot and these products make me feel sticky and uncomfortable once they're mixed with my sweat.

Monday

Get a Massage and Help the Blind at the Same Time!


This is Ate Vangie, ang masahista ko from VIBES Massage Services, SM Fairview branch. Nagpaalam talaga akong magpa-picture sa kanya kasi sobrang na-amaze ako sa kanya. She is visually impaired. But despite her disability, she works hard to earn a living.

First time ko magpa-masahe sa bulag. Tahimik syang pumasok sa massage room. Naka-shades. Ang una nyang tinanong sa akin, "Anong masakit sayo ma'am?" Sinabi ko agad na masakit yung likod ko. Maliit at payat lang syang babae pero talagang minasahe nya ng husto yung likod ko. At nang matapos na sya, panay ang tanong nya kung okay na ba at kung masakit pa rin ba ang likod ko. Ramdam ko yung concern nya at talagang ginawa nya ang lahat ng makakaya nya para mawala yung sakit na iniinda ko.

Thursday

Para sa mga "Chito Miranda"

For the past weeks, I’ve been very vocal about my stand against the Mayor. I welcomed disagreeing comments and listened to what others had to say. I was also told to discontinue my advocacy because it is getting me nowhere, but no, I can no longer afford to do nothing. For this post, I am not asking the readers to have a change of mind and a change of vote in favor of what I think, but I would appreciate it if you will welcome this opposing stand and listen to what I have to say. These may not be the most intelligent arguments, but I used my values, my heart, and all that I have learned in life to defend my stand. These are for the Chito Mirandas out there who want somewhere to start as they review and rethink their options.

I know a lot of us have lost faith in the government, but I plead, let’s not give up on

Tuesday

My Take on the Starbucks Planner Craze

While I'm sleepy and being unproductive at work, let me be productive at least with my blogging. Hopefully, I'll be in a more motivated state after writing this.

Earlier, I got to read an article about today's generation's inclination to the expensive and impractical planner that is the Starbucks planner. According to the article, getting the planner for Christmas has been the new tradition of the youth. Regardless of how unreasonably-priced the planner is, people

Thursday

Jobs for Journalism Majors

Disclaimer: Sorry, this isn't a recruitment website!

I've had enough of people telling me that I shouldn't be in a particular industry because that's not where journalists belong. I've been told that I won't be able to practice my degree in a BPO company nor would I be able to have a blossoming career in a hospital. Who are these people to conclude that journalists cannot thrive in such industries?

With my experience in the workforce, I'd have to disagree with people who put me inside a box and dictate what I can and cannot do as a journalist. To date, I've been with four different companies from four different industries and by far, I believe I had been an efficient employee in each job.

Journalism majors are flexible and can easily blend in other industries apart from the Media (TV, radio, print media). Let me share the jobs I took on for the past seven years.

Things that Make You Feel Bad at Work

Our jobs play a huge part in our lives. To some, their job is their life. Like any other aspect of life, our jobs bring bad days to our years. Here are the reasons for mine:

1. What work-life balance?
In my current job, I extend work hours almost all the time. I'm usually the last to leave the office at 7pm--two hours after the official time out. That's cos 9 hours is not enough for this sole communications officer who wears different hats--writer, graphic & layout artist, website content manager, Facebook administrator, photographer, events manager, purchase requester, etc. Just last week, I worked on weekends. Worse, the call time on Sunday was at 2 am. So yeah, what 9-to-5 job? What work-life balance? It sucks that this is not a thing in our company.

2. Office politics
I'm a really silent worker. I don't brag about my accomplishments nor do I complain about being overworked. In my mind, I'm being paid here to do my job and that is to deliver quality output when it is needed. It's just unfair when office politics makes you the most worthless person in the workplace. After getting migraine for working on two major events and not enjoying your weekend, you'll get the "wala kang ginagawa" comment. Thanks to people who do a good job of complaining about their responsibilities and to people who make a living through bad-mouthing employees who actually do their jobs.

3. The "thankless" nature of the job
We were once told that being in the Marketing Department is a thankless job. I personally think that is bullshit. Yes, marketing people should be aggressive and pro-active, but that doesn't mean that they are robots who don't need affirmation and appreciation. We're not demanding recognition and rewards for our little successes, we know we are paid for these. But to say we don't deserve to be given pats in the back is just plain arrogant and heartless.

4. There will always be favorites
I don't have a problem if I am not a favorite. That's okay. As long as my employer is satisfied with my contributions to the company, that's the only thing that should matter. I just don't think it's fair when the favorites get babied and favored by the boss. One sumbong and their lives are better, responsibilities lighter. Oh well. But what is fair in this Earth? Right?

5. "Pwede na" standards in recruitment
In one of our meetings, I was disappointed to hear this: "Di naman kailangang magaling at maalam sa paglalagyang departamento. Matuturuan naman yan." That's exactly why skill mismatch is prominent in our workplace and you see people being transferred from one position to another all the time (i.e., re-organization, restructuring). The bad effect of this is that expectations are not met and deliverables are also substandard.

6. Overworked, underpaid
People who can't relate to this are very lucky! My next mission in life is to scratch this off my "Things that Make You Feel Bad at Work" list. 

Sunday

Mr. Win Detergent Promo a scam? Watch out!

This happened to our household not once but TWICE. My mom and I had exactly the same experience. First, it was me last year who got scammed and then just today, my mom. We were "victimized" by this Mr. Win sales representative who goes house to house offering "FREE" detergent powder as a promotion and ends up with P400 in his hands. What's his modus operandi? Read on.

FIVE boxes (1.5 kg) of Mr. Win detergent powder for P400.
One box and a bar of Champion detergent were FREE.
A sales representative (not in uniform but rather in pambahay clothes) knocked on our gate, handing me one Champion detergent bar and one box of Mr. Win detergent powder. According to him, it's for free because of their ongoing promo. He said they are introducing Mr. Win to the market and that the brand is from the same company that manufactures Champion. Since these were for FREE, I was lured into accepting them. That was my biggest mistake. He asked whether a senior citizen lived with me. When I said yes, he continued to give me more boxes of Mr. Win detergent powder and said he'll give me the discount for senior citizens. He kept on making small talk na parang feeling close sya. He asked for our province and immediately said he's from there too! He even touched me in the arms and said baka raw magkamag-anak na malayo pa daw kami. What are the chances nga naman?! 

The next thing I know is that there were five more boxes of Mr. Win detergent powder in my hands and the sales rep won't take it back. He kept insisting that all the soap I have is worth P400 only. I told him I didn't have money but he won't take the products back. Instead, he said that I should hurry and pay up because his supervisor will get mad if the latter finds out about the discount he's given me. With a heavy heart, I went to get P400 in my wallet and handed it to him. And then he left.

I wouldn't do such a thing under normal circumstances, but during that time, I felt obliged to pay him even if I didn't want to. It was as if I was compelled or hypnotized or something. Whatever he did to me worked and it's just too bad that the same thing happened to my mom today. My sister was stopping mama from entertaining the guy, but mama just went on listening to him anyway. I was watching a show in our room, so I thought it was just nothing. Had I known, I should've stopped my mom myself.

After realizing what just happened, I felt terrible. It was worse than being robbed. So I Googled Mr. Win and found out that this modus has been going on for a while. Here are links to two articles dated back in 2012, warning the public about the Mr. Win modus operandi happening in Pagadian City. In these reports, the sales rep is offering Tide instead of Champion.


Now I'm wondering if it's just in our place here in North Caloocan or if others have experienced this as well. I just hope this scam comes to an end. Consumers deserve better than this kind of marketing strategy. Consumers deserve to have honest and fair transactions with sales people. Anyone who has read this post should be wary of such kind of scam. I hope the DTI and Champion does something about this.

   

TOUGH TIMES NEVER LAST
TOUGH PEOPLE DO
★ HAPPIDEZZ

Wednesday

Dealing with Migraine

If there is one thing I'd gladly rid myself of in this lifetime, that would be my migraine. It's an unwelcome guest that takes over my system every time it attacks. It incapacitates me every single time, giving me too many helpless and unproductive days.

I can't remember when it started and I can't really identify what causes it, but it got worrisome back in 2012 when I had to ditch a number of work days because of severe pain and vomiting. That time, I was really in deep stress because of a hell-like work environment. I remember my horrible boss giving me a hard time because of my stupid migraine.
My migraine can go up to two to three days without subsiding. It leaves the left side of my head throbbing in pain and my left eye tearing up. It's always the left side. Sometimes, the pain concentrates on my left eye socket; sometimes, it just falls on the top left hemisphere of my head. I usually feel relieved when I've thrown up, but sometimes, the pain just lingers even when I've puked one too many times. At times, I would refuse to eat because my stomach also gets upset during some of my migraine attacks. Even if it's just water that I take in, it finds its way out. I'd throw up a lot to the point that all that goes out is acid--bitter, sour, and painful to the throat and stomach.


Job Hunting Tips

Dear Juliet,

Yesterday was the most productive day of my job hunting life. I went to three interviews in three different companies in three different locations. It was really exhausting! Just imagine having to take one linguistic-numeric exam and another writing exam in one day. Add to that all the commuting and walking! But at the end of the day, I had a lot to be thankful for. For this reason, I decided to share some job hunting tips for the newly grads and the not-so newly grads like me. So this is how I go about the interviews:

#1. Come prepared! The evening before my interviews, I research the locations of the places I need to go to and make sure that I know how to get there. I am a commuter, so this saves me time. It also saves me from being lost and from endless searching during the interview day itself. Thanks to GOOGLE MAPS, I no longer lose my way! If you're really dumb in geography and directions like me, you can also use the maps application of your handheld phone to search for the interview venue. If you give yourself enough time and travel smoothly, you'll be able to get to the place on time and leave a good impression.

Being prepared also requires you to bring with you all the necessary documents that the interviewers might ask--your updated resume/curriculum vitae, your portfolio, your SSS and TIN numbers, etc. In my case, I place all my documents in a file case and I secure photo copies so that when the interviewers ask for a copy, I wouldn't have to give the originals. 

Lastly, I also review the job description which I applied for. If the company has a website, do visit it and familiarize yourself with the company's background. This will help you understand further the nature of the company and the position you are applying for. Doing this will also help you know if you're suitable for the job and this will give you an idea of how much you're qualified for the position.

#2. Dress properly! I am the non-fashionista type of girl. So when going to interviews, I wear the traditional corporate attire--collared top, black slacks, closed shoes. This is the safest attire as some companies can really get strict as far as dress codes are concerned. There was this one time when I decided to wear my black jeans to an interview. I thought, the employers might not mind if I wear these since it's black anyway. Also, I wore my slip-on sandals with heels. To my dismay, the receptionist did not allow me to proceed with the interview because of my outfit; they require slacks and closed shoes. It was really disappointing because I traveled from home to Makati, which is the other side of the world from where I live, for almost 3 hours just to be told to go home and change. From then on, I was always mindful of what I wear to interviews.

I guess it doesn't really have to strictly be traditional with black closed shoes and black slacks. If you're highly fashionable, there are a lot of pumps and stilettos in nude shades which easily match a colored corporate dress. Just put on a blazer, and you're ready to go. You can also search for a peg on the internet and go for that look; I'm not really good at fashion so better consult Google about it. LoL! Also, I guess you should also consider the company you're applying in. If, for example, you're applying for a position in a magazine, I think the dress code would gear towards the fashionable side of the spectrum. I went to an interview in Makati for a high society magazine. Of course, I wore my traditional corporate outfit and honestly, I looked bland right next to the other applicants who wore colored pencil skirts, jersey blazers, nude pumps, and lots of accessories. Yikes! But, yes. In this particular kind of industry, I think it's okay to show off your inner Tyra Banks.

#3. Sell yourself. Put your best foot forward and be confident yet pleasant in "selling" yourself. Smile, don't sound too arrogant, be respectful, and answer the interviewer's questions sensibly and honestly. Though you are supposed to market yourself, you still have to be truthful in stating your skills and capabilities. Don't promise anything that you can't deliver. Do not promise to change the world; you'll just get yourself in trouble when you don't succeed! Show the interviewers what you've got by doing well in the exam. Again, I'm going to share my experience in the magazine interview I had yesterday. Though I wasn't dressed to impress, still, I was able to impress the editor-in-chief with my skills. Not to brag or anything, but when the EIC spoke with me, she told me that my PR was one of the best she has read out of all the applicants. She said it was maganda and mabilis. She liked it. It was really flattering because the EIC herself said so. See? More than anything else, it is the applicants' skills and capabilities that employers go for, not their outfit. So always make sure to leave a good impression. Remember, the interviewers will sense your truthfulness and will see what you've got in just one sitting. They are psychology graduates, for Christ's sake! They know how to read minds! Hahaha!

#4. Hope for the best. It's inevitable to get rejected. But do not be discouraged. There's a job out there for you. All you have to do is be patient and persistently search for it. To date, I still don't have a job because I'm making sure that my next job would be something I'm going to love. I don't want to hastily jump into a job offer and regret it after a few months. I'm thinking everything through at the moment and hopefully, I'd find the job that will later on be the dream career I've always wanted.

Good luck to all the job-seekers! Kaya natin ito! :)

TOUGH TIMES NEVER LAST.
TOUGH PEOPLE DO.
★ HAPPIDEZZ

Thursday

Writing is a Life Skill

Dear Juliet,

Do you have friends, relatives, or workmates who repeatedly ask you to write something for them, like, say a resignation letter, a letter of intent, or even a Facebook status? Then, it's too bad for them. Perhaps they weren't very attentive to their English Language teacher when they were in elementary, high school, and college.

WRITING IS A LIFE SKILL. ENGLISH IS THE LANGUAGE OF GLOBALIZATION. These two are things I recently re-learned from Ms. Nancy, a co-applicant at MAPUA. After taking the MELT [MAPUA English Language Test], this was something we talked about in passing. She mentioned that English is definitely important in the workplace. And unfortunately, it's also something people are afraid of. "Kapag may English-only policy sa isang lugar, pansinin mo, ANG TAHIMIK," she quips. LoL! I can't help but agree because I, myself, am scared of this policy as well.

But, YES. Writing in English is something you need to know, if not master by the time you finish college. It's your tool in the corporate world. How can you find a decent job if you can't even write your SKILLS and CAPABILITIES in your resume? How can you pass an interview if you can't answer in straight English? So as early as elementary, it's really important that you try to learn the English lessons. Master the essentials, especially your subject-verb agreement. Try to speak in English frequently, even if you're not very good at it. Exercise your tongue and learn the difference in pronunciation between fit and pit; band and bond; fun and fan, beat and bit, bane and vein.

I am lucky I have great teachers who educated me with the acceptable English I am capable of right now. I'm not saying I'm the best, I'm just saying that I'm equipped with the right weapons in the war called job hunting; in the foreign land called corporate world. I guess what I'm trying to say is: 

KIDS, LEARN YOUR ENGLISH. Hayaan nyo nang dumugo ang ilong nyo, wag lang kayo mahirapan makipag kumpitensya sa mga aplikanteng madaming bala.

TOUGH TIMES NEVER LAST.
TOUGH PEOPLE DO.
★ HAPPIDEZZ

Sunday

Target Shooting

Dear Juliet,

I've scratched off some items in my bucket list and one experience I am thrilled to tell you is about my first shooting experience. Nope, hindi pa ako nag-aartista. Am still thinking if I'll accept the showbiz offers, but what I mean is that I got to shoot a gun in a firing range. FOR. REAL. It was so kick ass! 

So for my first try, the gun had a silencer attached to it. And then during the next series of tries, the shooting range people wanted me to shoot without the silencer. "Alangan namang magkabit ka pa muna ng silencer kapag putukan na?" said the range officer. And so, I complied. Look! ;)


I was taught how to unload the gun after use. I also learned how to load the magazine with the bullets. We weren't able to fire bigger guns, but I was already satisfied with the one I used, which I had no idea what was called. LoL. All I know was that it was a Gloc 19 kemerloo chenes chenes. OR NOT.

Left: the silencer and the difference between his Gloc and M16 bullets.
Right: ammunition

Lastly, let me tell you that I wasn't that bad as a beginner daw. Clap, clap. Haha!


TOUGH TIMES NEVER LAST.
TOUGH PEOPLE DO.
★ HAPPIDEZZ

Wednesday

Meta-blogging: Of Recontextualization and Self-Identity

Dear Juliet,

My report last Tuesday was about Personal Web Pages and the Semiotic Constructions of Academic Identities. Basically, Carmen Rosa Caldas-Coulthard's paper says that "webbers" aka bloggers/netizens reconstruct themselves so that the identities they post online are only hybrids of their offline identities and their online identities, or only extensions of their offline identities. What we post online are not exactly what or who we are offline. This is because recontextualization happens every time we talk about personal experiences and social practices. When we recontextualize, we also construct a new reality, a new social practice, a new experience, a new perception of the self. In as much as we try to narrate an experience as objectively as possible, we can't. There is recontextualization in almost everything. (For example, a wedding is a social practice. It is a personal experience. When it is video-recorded, the recording becomes a mere recontextualization of the wedding. It may talk about the same wedding, but it is not how another person exactly experienced the wedding. It's also not the same wedding the person who recorded it experienced. Somehow, there is something that's disregarded/downplayed in the video-recording as compared to the recorder's actual experience. Gets?)

Given this premise, self-identities then, are not fixed and are not something we are born with. Self-identity is reflexively made or constructed. We tell who we are based on the way we see ourselves and based on the way we want others to see us. One's narratives in his/her blog say a lot about his/her identity. But, we also have to remember that what are narrated in blogs are based on the webber's prerogatives. These narratives are conveniently screened, chosen, and recontextualized to fit a virtual context that is the web page. We also have to remember that a web page has an audience, follows a template, and requires the webber to follow certain netiquettes.

Caldas-Coulthard also strongly points out the importance of a multi-modal analysis in studying web pages. According to her, analysts should not be confined only in the language used. There are other modes employed by the webber in his/her pursuit of projecting an image other than the text. If analyses are confined in the text, a lot of considerations are disregarded. The study stops at the computer's edge. Analysts may also consider other modes such as color, layout, images used, URL title, background music, tone of voice for vlogs, videos, etc.

Thus, before one fully presents/displays an identity online, there had been a lot of recontextualizations and mediations that happened first. And so, after my report, I decided to analyze my blog, and here are my observations:

1. I tried to hide behind the alias, Happidezz,but then my Facebook badge revealed my name. So that's one concrete example of not being able to maintain a purely online identity.

2. I use humor and self-deprecation. Yes. To avoid disapprovals from friends and readers, I make fun of myself and drop jokes to address issues subtly and lightly. I bully myself. I highlight my faults and weaknesses. That way, nosy people wouldn't have to rub my faults to my face. I already know, bitches!

3. I am happidezz because I want to prove the world that I can be happy despite what I had gone through. If you're a friend, or a reader since September 2010, you know what I mean.

4. I project an image that's not so serious, not so studious, not so industrious. I'm a dilly-dallier. I seem to not take life seriously. My posts are actually dense and do not have any social significance. Haha!

5. I am so full of myself because even in this entry about meta-blogging, I've decided to analyze my own blog. HAHAHA!

Hoping, waiting, believing.
★ Happidezz

Monday

Dear Future Husband

Hey, you! I'm writing from 2010, a couple of weeks before my 23rd birthday. So you see, yesterday, I did something major--something which hopefully would lead me to you. Yesterday, I declared in a permanent fashion my belief about love--that despite what happened to my heart, I still have faith that a "forever" awaits me in the future; that you are also waiting for me; and that we'll find each other in God's perfect time. 

On the day we find each other, I'll show you what I did. I hope you'll be grateful that I stuck to this belief. I hope that as you are touching it, you'll look me in the eye, tell me how proud you are of my strength, and thank me for not giving up on love. On that day, our puzzles will be complete and our lives will intertwine as one. On that day, I am sure, I won't be asking for anything more.

On our day, I'll walk in the aisle with my eyes focused only on the love of my life. On that most-awaited day, I'll be the most beautiful woman in your eyes and you'll be the handsomest man to me. We'll hold hands the whole time--my sweaty arms interlocked with yours. I won't forget to mention in my vows that I never regretted a single thing that I did in the past, because those things led me to finding you.

The heartaches, pains, and tears of yesterday would mean nothing compared to the total bliss I'll be feeling on that day. I'll tell the world that though my heart was broken, my faith remained intact, and that faith brought me where I am destined to be. I'll proudly and whole-heartedly say "I do" in front of all the people that matter to us and I'll be the envy of every girl in proximity. On our day, we will be the happiest persons in the world. On our day, our world will become one another.

I want to have a child by the age of 25, husband. But if I still haven't found you by that time, my belief won't falter. I'll keep waiting. I'll keep hoping. I'll keep believing.

Someday, I'll let you read this letter. I'll narrate to you how patiently I waited. I'll hug you under our white cotton sheets and tell you how relieved I am because the long wait is over. And as we drift to sleep, we'll both know that what we have at that time is true and will last, always and forever.

But for now, all I can do is wait for you, till kingdom come.

Love lots,
Your future wife

live.love.learn.LOL
Happid3zz

Sunday

Surviving Typhoon Ondoy

Here's an article I wrote for the March 2010 ish of Meg Magazine.



We were no swimmers. The only swimmer in the family, our Dad, hasn’t returned to the Philippines since I was 10 years old. As he worked abroad, he barely witnessed me and my sister grow up. Unfortunately, he was absent during all of our most memorable days, including that fateful day of September 26, 2009.

It was a Saturday and I didn’t have work. I was resolved to sleeping until noon, but then our mother woke me and my sister up at around 10 a.m. It was raining hard and she needed help in preparing for an impending flood. At our place in Concepcion, Marikina City, it was but normal to experience floods once in a while during heavy rains.

As expected, water began to rise outside. It was around noon by that time. My mom, my sister, and I elevated our sofa set by placing them on pots and casseroles so it won’t get submerged in water. We were still calm during those times. We found nothing sinister from the way the water crawled out of the cracks in the floor. This wasn’t the first time we’ve experienced this. My sister and I even playfully waded in the ankle-deep flood water and took pictures of the experience.

Surprisingly, the water level outside the house rose rapidly and started to enter the house through our doors. By 1 o’clock, our house was a basin and the water in it was already waste-high. We did everything humanly possible to save our appliances and other pieces of furniture but apparently, girly strength was not one that can rescue everything. Panic began to overcome us as our beds, drawers, cabinets, even our gas range, washing machine, and refrigerators floated, causing a chaotic rumble. Everything got wet and underwater—our encyclopedias, our pictures, our clothes, our dining ware, even our toilet bowl. We felt miserable seeing how our once orderly house become a mess.

Good thing, our neighbors took the extra mile to help us. They left their house to check on us, steadied the floating appliances, double checked if we have turned the electrical power off, salvaged our television and computer sets, and made sure we were fine. They also encouraged us to leave with them, but we decided to stay, hoping that the downpour would come to a stop soon. My mom was in tears as she led the rosary. The three of us hopelessly watched our house gradually sink in murky water.

At around 3 in the afternoon, the water got even deeper. That was when the three of us agreed to move to a safer place. The rain didn’t stop nor did it let up. We thought it would be very dangerous to be trapped inside our house if the water level continues to rise. Ironically, our home was no longer a safe place to stay in that time.

Heavyhearted as we were, we left our properties—or what was left of them. We only brought with us the most important documents and belongings we can’t afford to lose. When we got out of the house, we faced a bigger problem: the muddy waters were already as high as my shoulders. The biggest problem: Where shall we go?

My mom feared for our lives as she didn’t know how to swim. She let out a scream hoping someone would find us wandering along the sidewalk, with nowhere to go. The water was already neck-high and the current was somehow difficult to fight. At the back of my mind, I was calculating whether the too little swimming skill I had could save both my mother’s life and my sister’s, but I know I had no chance.

We heard our neighbor yelling at us, inviting us to stay in her two-storey house just across the street. However, it was not yet time to feel relief, considering the water current and depth we have to deal with just to be able to get to the other side. The water was neck high in the elevated sidewalk. If we were to cross the street, it would even be deeper.

Despite our hopelessness, help came our way. One of the neighbors who assisted us earlier was brave and tall enough to carry us to the other side of the street. And then, we felt a sense of safety.

There were five families who found refuge in the two-story house. On the second floor, we managed to find our own resting place despite the cramped space. None of us had an inkling that this would happen. We weren’t prepared. Our hostess selflessly offered us dry clothes and a few canned goods for the 16 of us to share.

We waited for the storm to subside; sleep was very elusive. Our mobile phones were of no use since the lines were busy. It seemed like the networks were also affected by the typhoon. We were not able to contact our relatives the same way that our relatives and our Dad, were not able to reach us. Despite the lack of electricity and the weariness we were all feeling, we managed to get through the night.

At 4 in the morning, the flood subsided and we were welcomed by ominous, thick, foul-smelling mud as we returned home. Our house was an awful sight.

Realizing that we need enough energy to start cleaning, we sent my sister to the market to buy food. There, she saw that more MarikeƱos suffered worse than we did. She recalled seeing people covered with mud and weak because of hunger. Most of them were from Barangay Nangka and others were from the town of Montalban. It took my sister two hours to return home with two cups of coffee and a few packs of biscuit. According to her, it was a frenzied morning in the market and the grocery store. Stocks were unavailable in spite of the throngs of people needing them.

We devoted the next days cleaning, moping over our lost possessions, and grieving for the great devastation brought about by the typhoon to our country. We were able to watch TV after the power was restored. We were flabbergasted to see in the news that innumerable damages were inflicted and a great number of lives were lost. All the while, we thought we had the worst experience, only to find out that what we have gone through is nothing compared to those people who lost their homes, their loved ones, and their lives.

This experience is by far the most tragic event that happened in my life, but it made me and my family realize who really cared for us. We felt blessed as the help from relatives, friends, and workmates came unceasingly. It also made us realize how lucky we still were. We are alive and that is the most important blessing that was given to us.

Coping with the tragedy was not as hard as I imagined it to be because of the people who were there to help. Our Dad who was relieved by the news that we were okay gave us his valuable support, financially and emotionally. Our aunt and her whole family in Marikina Heights adopted us during the time our home was still in rubles. My boyfriend, uncle, and cousin came to help clean our house and bring it back to its former order. My boss who was also affected by the typhoon personally came to bring the contributed goods of my officemates. We were deeply overwhelmed by the concern they showed us. In return, we shared with our neighbors every blessing we received.

A few days after the typhoon, my sister and I participated in an outreach program headed by my aunt. Their organization based in Jeddah, KSA, The Maria Community, gave out relief goods to the people of Nangka and Tumana who were greatly affected by Ondoy. That was the least we could do—volunteer and offer our services in order to ease the burdens of those who had worse experiences and those who have less in life.

Typhoon Ondoy drew the line and made a clear distinction between the victims and the survivors. He spared no one. Both the rich and the poor suffered. The most significant outcome of this mayhem though is the emergence of the spirit of bayanihan. It is comforting to know that in times of calamities, we have people who are ready and willing to help.

I am very grateful that we survived Ondoy. My family and I owe it to the people who stood beside and prayed for us during this time of catastrophe. Most importantly, we owe it to God who spared our lives. Now that we have started anew, I can’t totally say that 2009 is a bad year. Yes, there were a lot of struggles, but I count my blessings.

Thursday

Personal Financial Stability

This is one thing my boss has been encouraging me to achieve since the day Mama underwent operation.  That day, I didn't know where to get money to pay for Mama's hospital bills. I had to request for a loan in the office just so I could clear our balance.

Personal financial stability is a state wherein one does not have to worry where he/she will get funds for specific situations, be it emergencies or pure spur-of-the-moment indulgence, because he/she has enough savings to spend. I wish to achieve this state before I turn 35. I wish to have enough money for emergencies and still have enough money in the bank for other purposes. I wish to be financially fulfilled by that time.

I tried to reflect on my own and thought the following habits will help me save money.

1. Automatically and habitually save 20 percent [or more] of my salary. I have to consider this obligatory to make it possible. Right after withdrawals, I must deposit my savings.

2. I shouldn't shave what I have saved. I should refrain from using my credit card and maintain a 10-thousand limit if I want to save whatever amount I have in the bank.

3. Avoid impulsive buying. This, I should say, is the hardest habit to develop. I am a totally impulsive person. Once I like something, I buy it without thinking twice. Worse, the things I buy impulsively are not really necessary.

4. Be very, very determined to achieve this bucket list item.

Follow the link for more tips in achieving personal financial stability.

 live.love.learn.LOL
Happid3zz★

Tattoo: Ink and Its Connotations

Last night, I asked my mom what she thinks about tattoos. Her blatant disapproval didn't surprise me. I just don't understand why she and others think of tattoos as negative marks. Why do they categorically conclude that inked people are bad people?

Then, Mama continued by saying inked people can't donate blood and help people in need. I argued that they actually can after a few years of having the tattoo. My RN sister can attest to that.

Having a tattoo is an item in my bucket list. I believe it's an expression of oneself. I still haven't thought of a brilliant tattoo idea, though. I want a star on my wrist, but then a lot of people have that already. My classmate in English 117 already has that. Too bad. I also want to have one after marriage so my husband and I could have complimenting emblems that would represent our love. Yes, I'm that cheesy. However, this item would have to stay in the bucket longer since I'm still living under one roof as my mom. So till then, I'll keep my skin ink-free.

 live.love.learn.LOL
Happid3zz★

Monday

A Lost Graduating Student

I want to write about something but then I don't have something to write about in mind. If this is the case, then I'll have to write about writing.

I admit I'm not a good writer. I was not part of our school paper in high school. I was once forced to joined an essay writing contest but I didn't win. I am not a Varsitarian staffer. I don't have a broad vocabulary. And I still haven't mastered my grammar yet.

Why am I in JOURNALISM again?

I was too pressured the time I was filling out my college application forms. My parents were insisting that I take Nursing. But Nursing was not what I wanted to pursue that time. I thought I wanted to be a broadcaster so I chose Journalism. My second choice was to be a Mathematics teacher, just like Ma'am Mendoza, my Algebra teacher in high school that's why I chose Mathematics Major in Actuarial Science. The last option I wrote to fill the last blank in my UST application was Nursing.

Luckily, I passed all three courses. However, I was wait-listed in Nursing. Since I didn't like to take up Nursing, I told my mom it would hassle us big time to follow up such a case. Because of that lame excuse, Mama didn't bother about following up that course, so I ended up with Journalism.

I wouldn't deny I was one of those people who misconstrued Journalism as the course for people who want to be Broadcast Journalists. After a few months in my freshie years, I learned, I took up the wrong course. I should be in Communication Arts instead. I had no other choice but continue what I had began. Although Daddy wanted me to transfer to UP, I declined to do so because back then, I had a very special reason not to leave UST and Journalism. I also didn't want to burden myself and my parents for shifting to another course or to another school for that matter.

So, for the past three years, I struggled hard to survive writing and reading--two activities I'm not fond of doing. Now that I'm graduating, they are still activities I find difficult and tedious to do. But now, I'm quite acquainted with writing. By that, I mean, I'm no longer having a hard time expressing what I think in words.

Yes, I am graduating. And what I wanted back in high school quite changed. Seeing talkative and active people made me realize that broadcasting is not for me. But being a student of Ma'am Gotauco made me yearn even more to become an Algebra teacher.

I want to teach Algebra in AB. I want to be just like my three mathematics teachers--elegant, feminine, pretty, young, intelligent, and stable. Of all branches / kinds of Mathematics, Algebra is my cup of tea. I'm not really good in numbers, I only became interested with variables, constants, and exponents when Ma'am Mendoza became my teacher in 4th year HS.

Now I'm wondering if I can be what I want to be. Can I possibly be an Algebra teacher in AB even if I'm a Journalism graduate? Well, that's something to look forward to. For now, I have to deal with the pressure of proving my parents that I will not fail because I took Journalism instead of Nursing.

Mama: Deb, after ng graduation, ano naman ang trabaho mo?
Me: REPORTER. Not a broadcast reporter, but a NEWSPAPER reporter.

I was quite disappointed with my mom's remark: Parang napakawalang kwentang trabaho naman nun.

Well, Mama and Daddy have been very supportive of me but maybe she's right. Even my OJT trainer would agree to mama if he heard her. I, myself, do not believe I'll earn ample money with this profession. Then I thought, maybe I can study again and take a Masteral degree.

My Dad also agrees that I won't make it big in Journalism. Although he supports me with whatever undertaking I choose, he advised me to take up LAW after graduating.

Daddy: Alam mo anak, gusto ko talaga maging katulad ka ni ano eh--anu nga bang pangalan nun?
Me: Sino po?
Daddy: Sikat yun eh--si Elle Woods ba yun?
Me: Ah, yung sa Legally Blonde po?
Daddy: Oo, palagi ko napapanood yun dito eh.
Me: HEHE!

Yeah. Sometimes, my Dad is cute. But he has to understand I'm not an industrious student. But then, I have to strive really hard not to fail my parents. Even at this very early point, I'm already pressured with their plans for me. They want me to work right after graduation so that I'll be of big help to my sister's schooling. While I'm working for my sister's education, Daddy, on the other hand, will work for our dream house. It' really a good plan, only it's so idealistic. I mean, how can a journalist pay for a would-be-nurse's tuition?

At the end of the day, the decision would still all be on me. I have to make up my mind as early as now so that by March, I'm off to being the "PANGANAY" my parents expect me to be--maaasahang tutulong sa pamilya.

Whatever decision I may arrive at, I hope I'd make it big. I want my parents to be proud of their JOURNALIST daughter.

As much as I would like to ignore the feeling that my parents have greater hopes from my sister [since she's taking up NURSING], the thought that she'll be well-paid still prevails. In fact, Mama and Daddy always mention Meagan's future abroad. I'm not jealous of Mogs. I just fear that my responsibility as the eldest daughter won't materialize because my younger sister is the one who provides much more.

Pero kahit anu pa man ang kahinatnan ko at ng kapatid ko sa hinaharap, alam kong mamahalin at susuportahan pa rin namin ang isa't-isa dahil kami ay isang PAMILYA.

Tuesday

My Woman Today Asia OJT

I'm through with every article I have to accomplish and as early as now, I can say My OJT at Woman Today Asia (WTA) is finally over. On Tuesday, Madie and I will have our evaluation forms signed by Ms. Rhia. Yipee!

Admittedly, I'm really not familiar with the said magazine. Sir Delon even blurted out a violent reaction when he learned we were affiliated with it. He gave out a "Yuck" in front of Madie. But I really have to say, I liked my work at the magazine compared with my work at Star.

With WTA, I have a fun, youthful, cool trainee. Ms. Rhia totally rocks. She’s not the scary type. Plus, she’s open to suggestions and is not grumpy. In fact, she willingly approved my Multiply.com suggestion. She also texts us in a very warm manner.

In my experience with WTA, the most exciting was my Multiply article. The article has a part wherein I have to enumerate some local celebrities with Multiply accounts. I had fun searching for websites of artists. Ahahaha!

And then, there’s KC Concepcion’s account. I am totally in awe after seeing the 281 replies in her single entry. Just imagine the overwhelming number of visitors of her site. Who wouldn’t want the popularity? But if everyone becomes popular, nobody would be popular. Besides, there are a lot of disadvantages of being popular din naman. One of them is that you lose the privacy you want.

But then, masaya pa rin yata maging sikat. Wat u think?