I guess no matter how other people would say about how impractical it is to buy a house of your own, I will still prefer having one of my own.  However, for the “financially challenged” people (as what my friend Penni would put it) like me it will be very difficult to get one for buying a real estate property can be very expensive nowadays especially if you want to buy one in big cities like Cebu.  Good thing though, that there are a lot of banks and government agencies who offer mortgage loans to those individuals who dream of having a house of their own.  But it can be a bit difficult to get mortgage loans especially if you do not have a property to put as a collateral for the loan and if your income does not reach their requirements.  And it will even be a lot harder if you have a bad credit line which can be the same if you will seek refinance with bad credit history to refinance your mortgage loan.  But do not despair though for there are companies out there who offers bad credit mortgage refinance services to help out those people who are worth another try.  Although, personally, I would prefer that one should have a spotless credit record so that it will be a lot easier for you when you apply for any loans in the future.

I presented my report yesterday during our skip level and boy, it was not an easy one I tell you.  It was so hard for me in fact that I ended up with tears in my eyes.  Not that my performance was bad or my managers were mean but it was the feeling of being overwhelmed with the experience and the realization how inexperienced I am when it comes to these things.  And what made it worst was when I go teary eyed it would lead to crying.  After my presentation I really wanted to go to the washroom and compose myself but I was not able to hold it back long enough to even go beyond my seat.  The tears just went falling down my face  and I sat down on my chair I started crying with everyone in the room.  It was a bit embarrassing but it was a relieving experience for I was able to put the feelings out in the open.  And I felt a lot better for  everyone was really going around and tried to make me feel better even my boss.  I never wanted it to happen but I guess with all the things that completely came to light I so overwhelmed with it.  It didn’t really go the way I wanted it to be even if I was all green with my team’s metrics but I came to realize a lot of things.  That there’s nothing wrong in reaching out to your peers and ask for their help.  That yes, it’s good to be able to do things on your own (like I have always done) but it will be a lot better to be able to work with other people.  And the first step to do so was to let go of whatever reservations I have with the people around me.  What happened yesterday was humilitating for me but you know, now that I come to think of it, made me more mature and changed the way I look at my job and the people that I work with.  It made me more mature and more confident that I will be able to do my job better moving forward.

I want to keep my job for many reasons.  Reasons like earning money to sustain my needs.  And with all that’s going on right now, I can barely make it through the month.  So, does this connote?  This means that I won’t be able to reach my goal of becoming a nouveau riche for what I have now is, well, let’s just say just about enough to get me through my daily needs.  For a person to be considered as nouveau riche, one has to acquire a considerable wealth during his or her generation.  A nouveau riche is someone who is from a lower socioeconomic rank like me and was able to obtain wealth that will enable him or her to afford certain luxuries that are unobtainable before (not me for I still can’t afford any luxuries ).  This means, those people who are born rich even if they were able to make their own wealth like my crush will not be considered as such.  So here’s the plan, I’ll continue doing my job and then start a business of my own.  Which is a bit of a challenge though for I am having some difficulties in getting a capital.  Plan B: Get another job so that I can save money (which will be very difficult for I have a 9 hour job) or I can go back to school and get a higher education, then apply for a higher position to get a higher pay.  Hmmm… so what do you think?  Am I good or am I good? hahaha…

As you may have noticed, I have a very minimal activity for a while now.  The reason, I am preparing my report for our skip level meeting this weekend.  Sheesh, as if the pressure of meeting the targets is not enough!  Anyway, I need to get things rolling and be prepared for the grilling that I may get from the higher management.  I never imagined that it will be very difficult to get my presentation done. Well, just keep your fingers crossed and do pray for me that I will still get to keep to get my job after my presentation.  And that I may convince my masters that I am qualified for the job.

 They say change is inevitable.  Something that I agree with for no matter how we try to keep things as it is, the time will come and things will eventually change.  I really can’t point out where the drive to develop something into a more complicated and more advanced technology came from.  Is it with the constant need of developing things?  Our desire of making things more convenient? Or are we just not contented in what we have?  Not that I am complaining though for I truly like what we have right now.  It just that before, home entertainment amounts to a television set and a radio.  Then the radio became a karoake and the television set was paired with a beta max.  And now it became a HDTV and a component and computers too.  Even the cables used to connect these units have evolved from a simple connector into a coaxial cable into High Definition Multimedia Interface (HDMI) cable.  And due to a lot of units that we put together to have a sophisticated home entertainment package, consumers should be thankful to electronic companies who manufacture wall plates like a HDMI wall plate.  It’s because of this wall plates, that we are able to bring a little order in the chaos brought about by the number and the different kinds of wires that we use to connect these things together.

October 15 is the birthday of my brother and what a day indeed. We went out to eat lunch at the Manila foodshoppe in Cebu. We had the sweet and sour pork, satimi and shaghai rice. I suggested that we have lunch there instead for a lot of people said that the food is good. However, I was not really happy about their Satimi. The noodles leaves a certain aroma and it was kinda bland. The sweet andsour pork as kinda okay and the shanghai rice was okay too but the used new cooked rice so it was kinda wet. I was impressed by their green mango shake though. It was one of the best I had so far. After eating, my bro and I was about to go home when a shirt on the display window caught out attention. So off we went on our hour shopping spree.

Then later in the afternoon, I went to meet Wena in Ayala for she wanted to meet the tech there for some issues with the OS and she wants it reformatted. Unfortunately, we were not able to see him for we were in a hurry to meet some of our friends from work at Starbucks so that we can go out for dinner. They said Nikko came home from Japan and wants to go out for dinner. I didn’t recognize him at first for he lost a lot of weight. He said that it was because of the extra hours that he put into his job. He said that he is taking the advantage of working there so that he can save money for his future. When everybody arrived we went to The Walk and ate at Joe’s Grill. I ordered the grilled bangus with red egg and I was kinda disappointed with it for the egg was too salty. When it touches your tongue, the salt kinda stings your tongue. I believe the saltiness of that thing if you will take it everyday may destroy your taste bud. Whoah… It seems I have been having some really bad decisions don’t ya think? After dinner, we went back to Starbucks, where we and Weng stayed from 9PM to 2 AM. I had a venti of their green tea frap which so far was the best choice I made today. I got home at around 2:30 AM but didn’t go to sleep yet. I spent an hour hopping around the web and wrote this article.

It’s 4:14 now and since my tasks for the day is done, it is now time for me to get some goodnight sleep. Ta-ta!

(written October 16th 2008)

As a proof to my kikay-ness, aside from not being able to say no to an interesting cookbook, I have a hard time saying no to shoes like this pair of Dansko clog sandals. Something that my eldest brother can never understand. I remember him going with me, my aunt and my dad shopping at SM North Edsa and my aunt wanted to buy me 2 pairs of shoes so we went around looking for a great pair (which cost us the whole afternoon). I think he was a bit pissed off that day that until now when we look back to that day he would always ask how many pair of shoes does a girl need? Well, he should ask that question to Madam Imelda Marcos who has hundreds of shoes. You know men can never understand it but we women, we always want to look fab and be ready when the need arises. I mean, who would want to wear a pair of rubber slippers when you are wearing a beautiful Versace gown or a pair of sneakers to a very corporate looking Armani suit paired with a skirt? Well, some dare devil trendsetter would but not me.  I would think it an insult to the designers if you steal the lime light away from their creations by doing a crazy stunt like wearing an unappropriate pair of footwear.  Wouldn’t you agree my fellow fashionistas?

It seems that I have made quite a confusion on my sexuality when I wrote about Bobby. Just to put an end to the confusion and to make the records straight, I am a GIRL. Okay. No doubt about it. And I like men (a lot) it’s them who doesn’t like me. But nevertheless, am still a girl who is into men. What I mean about wanting to be like Bobby is being able to do what I wanted to do. Which is to cook and put up my own business and be able to quit the job that I have now. However, due to practical reasons, quitting the job that I have now is really not a good option for me. There. If I’m going to put something out of my closet, it will be about that. Not about my sexuality. For it’s already out.  It’s just that I am not as kikay as a cheerleader or any average girl you know.  i guess that’s the reason why a lot of people question it.  But hey, who would know better?  I guess that’s what you get when you stay single for too long.  It’s just like straight men accused of being gays when they remain single until they are 40 year old.  Hehehe…

We all know about the economic situation in the US. And from what I hear the most affected by the issue is the real estate industry. Am not really sure how this affected the buying power of the consumers and how it influenced the decision to buy real estate properties of the consumers though. But if the economic situation in the US is really bad and the real estate industry is truly affected then the American people will really think twice before buying houses. Although homeowners can hold on to their properties and wait for the value of their properties to go up, some might be in dire need to sell for some financial difficulties like the senior citizens. And since most senior citizens are already under pension and are too old to qualify for a loan, reverse mortgage or lifetime mortgage may actually be an answer to their difficulties. However, reverse mortgages are not for everyone. This loan is only available to homeowners who are 62 year old and older. But, those who are interested in getting this type of loan must seek a third party financial counseling approved by the Department of Housing and Urban Developent (HUD) and set an appointment with the institution where they are planning to get their loan to get more reverse mortgage information. This way interested parties will know what are the effects on having this loan on their social security and medicare benefits, what taxes that may apply and etc.