Barely Qualified PH

02/09/2026

Twenty years ago, when I was taking up BS Economics, many people viewed the course as something more aligned with government, academe, or research institutions. In the Philippine private sector, its relevance was not always immediately recognized compared to other business disciplines. Like many graduates, I wondered where exactly this path would lead me.

Today, I look back and realize that Economics was preparing me for a world that was still unfolding.

As a content creator and now a Senior Compliance Manager in a global financial firm, I find myself doing exactly what my Economics education trained me to do: answer a powerful real-world question — **“Given limited resources, changing conditions, and available information, what is the smartest decision to make?”**

The business world has changed dramatically. We are now entering an era where Artificial Intelligence, automation, and technology continue to reshape how organizations operate. Many tasks once performed by humans can now be accelerated or replaced by machines. But one capability remains deeply human and increasingly valuable: the ability to analyze situations, understand risks, challenge assumptions, and make sound decisions using critical judgment.

This is where Economics becomes more relevant than ever.

Economics is not just about numbers, markets, or theories written in textbooks. It teaches us how to think — how to assess choices, understand behavior, allocate resources, evaluate risks, and make decisions when information is incomplete and circumstances are constantly changing.

What was once perceived as a traditional or limited career path has evolved into a foundation for opportunities in finance, compliance, data analytics, consulting, strategy, risk management, technology, and leadership.

The question is no longer, “Where can an Economics graduate fit?”

The better question is: **“Where is strategic thinking, analysis, and decision-making not needed?”**

To my fellow Economics graduates and those considering this course — our education was not just preparing us for the jobs of yesterday. It was preparing us for the complex decisions of tomorrow.

How did you view your course when you were studying it, and how do you see its value now in this new generation of business and technology?

31/08/2026

Millennial workers: hindi tamad, hindi rin reklamador — pagod lang, pero lumalaban.

Maraming millennials ang lumaki sa panahon na ang mindset ay simple lang: “Gawin mo nang maayos ang trabaho mo.” Kaya kahit minsan hindi na ideal ang environment, kahit toxic ang sistema, kahit nakakapagod na — they still show up, deliver, and try to excel.

Hindi dahil gusto nilang magpabida. Kadalasan, dahil kailangan. Dahil may pangarap sila, may responsibilidad sila, at gusto nilang patunayan na kaya nila.

Pero may isang bagay na iba sa maraming millennials ngayon: ayaw nilang ipasa sa susunod na henerasyon ang mga bagay na pinagdaanan nila.

Kung naranasan nilang maging empleyadong takot mag-file ng leave, gusto nilang maging lider na naiintindihan na ang sick leave at vacation leave ay hindi “abuso” kundi bahagi ng pagiging tao. Kung naranasan nilang magkaroon ng boss na ginagawang sukatan ng loyalty ang pagiging laging available, gusto nilang gumawa ng workplace kung saan may boundaries at respeto.

Kasi alam nila na ang pahinga ay hindi kawalan ng commitment. Minsan, ito pa ang dahilan kung bakit mas nakakabalik ang isang tao na mas motivated at mas mahusay.

Pero hindi rin madali maging millennial worker ngayon.

Isa sa pinakamalaking hamon? Gusto nating i-accommodate ang lahat.

Gusto nating maging team player. Gusto nating tumulong. Gusto nating maging available. Gusto nating maintindihan ang bawat side.

Pero minsan, habang inuuna natin ang pangangailangan ng iba, hindi natin napapansin na may mga pagkakataong dumadaan na pala sa harap natin.

May mga promotion na hindi natin nakukuha dahil tahimik tayong gumagawa. May mga opportunities na napupunta sa iba dahil hindi tayo nagsasalita. Minsan, hindi dahil hindi tayo capable — kundi dahil masyado tayong busy maging reliable para sa lahat.

Pero ang mundo ngayon ay mas malawak na kaysa dati.

Noong nagsisimula ang malaking wave ng globalization 20 years ago, marami ang naka-focus sa traditional career path: isang kumpanya, isang ladder, isang direksyon.

Ngayon, mas bukas ang mundo. May opportunities online, sa ibang bansa, sa entrepreneurship, sa communities, sa skills na dati hindi pa kinikilala bilang career.

Hindi na lang sa opisina umiikot ang growth.

Kaya siguro ang challenge para sa millennials ngayon ay hindi lang kung paano maging mabuting empleyado.

Kundi kung paano rin piliin ang sarili.

Maging responsable, pero huwag kalimutan ang sariling pangarap.
Maging mabuting teammate, pero huwag itago ang sariling galing.
Maging considerate sa iba, pero bigyan din ng space ang sarili na umangat.

Dahil ang pagiging mabuting tao at ang pagkuha ng sariling opportunity ay hindi magkalaban.

Pwede kang maging mabuti sa iba habang pinipili mo rin ang future mo.

31/08/2026

Bayad kuryente na naman.... ang taas na naman ng bills! Bakit ang daming charge, so eto I pasted where our money goes.

Ok naman maging transparent, thank you na din kasi nakalista lahat. Pero, transparency is not enough. The question remains, do we really have to shoulder lahat ng costs na to? Year on year pare-parehong issue na lang yung sinasabi na at risks yun power grid, natatamaan ng bagyo, nag overheat, etc. At dahil year on year na tong issue, so wala ng remedy? And, anong risks plans? May long term plans ba to remedy the situation? If yes, ano at gaano katagal? Dahil if this costs just works like a band-aid, i-accept na lang ba namin that it will just continue to blow up every year as well?

We need more accountability, you provide service, we consume the service - hindi ba karapatan din naman namin malaman as a consumer how do you plan to better / uplift the services we consume? And if kami may penalty kapag hindi nakakabayad, bakit kapag may problem or kakulangan sa facilities (system loss, distribution charge) nyo kami pa din ang napepenalize by shouldering those costs? Para kaming nag order ng ready made cake pero yun costs parang custom made personalized na sagot pa namin ultimo delivery from bakehouse to store, at inisa isa yun ingredients ng cake na supposedly kasama na dapat sa costs ng binibili kong cake dahil sa store naman kami bumili mismo. (Apoligies if I am making it seems so simple and probably because I am no expert here, but its just my way of expressing my frustration)

Here's what's shown in our Meralco Bill Charge, and what it is for :

**Generation Charge**
Payment for the actual electricity produced by power plants and supplied to Meralco customers. This is usually the biggest portion of the bill.

**Transmission Charge**
Cost of delivering electricity from power plants through the high-voltage transmission grid (NGCP) to Meralco’s distribution system.

**System Loss Charge**
Recovers the cost of electricity lost during transmission and distribution (technical losses and other allowable system losses).

**Distribution Charge**
Payment for Meralco’s service of delivering electricity from substations to homes and businesses, including maintenance of poles, wires, and equipment. |

**Supply Charge**
Covers the cost of maintaining electricity supply services, including customer-related supply functions.

**Metering Charge**
Covers the cost of reading, maintaining, and operating the electricity meter

**Lifeline Rate Subsidy**
Discount provided to qualified low-consumption residential customers, funded by other customers as allowed by law.

**Senior Citizen Discount/Subsidy**
Discount for qualified senior citizen customers under government rules.

**Universal Charge**
Government-mandated charge used for programs such as missionary electrification, environmental funds, and other energy-related purposes.

**FIT-All (Feed-in Tariff Allowance)**
Charge that supports renewable energy producers under the Renewable Energy Act.

**Taxes (VAT)**
Value Added Tax applied to certain electricity charges as required by law.

**Local Franchise Tax**
Tax collected from electricity distribution utilities by local governments where applicable.

**Other Charges**
May include adjustments, subsidies, refunds, or government-mandated fees depending on your account.

**Current Charges**
Total amount due for the current billing period before any previous balance or adjustments.

**Previous Balance**
Any unpaid amount from your previous bill.

**Payments Received**
Payments already credited to your account.

**Total Amount Due**
Final amount you need to pay by the due date.

A typical Meralco bill breakdown is often grouped into four major categories:

1. **Power Supply**

* Generation Charge
* Transmission Charge
* System Loss Charge

2. **Meralco Delivery Charges**

* Distribution Charge
* Supply Charge
* Metering Charge

3. **Government Charges**

* Universal Charge
* FIT-All
* Taxes

4. **Adjustments/Subsidies**

* Lifeline discount
* Senior citizen discount
* Other adjustments

11/08/2026

Rainy days call for a little extra care and comfort. 🌧️✨
Feeling a bit under the weather today, so I made sure to nourish my body with a simple but hearty dinner to help replenish my energy. 🍚🥢

Tonight’s plate: rice, tuna, seaweed, tahong cooked in garlic, miso soup, and a side of cabbage kimchi — plus a refreshing iced tea to complete the meal. 💛

Small acts of self-care like enjoying a warm meal, resting, and listening to what our bodies need can make a big difference. 🥢🍚

A gentle reminder to listen to our bodies, choose nourishing food, get enough rest, and do little things that support our health. Let’s take care of ourselves because our well-being matters. 💛

05/08/2026

Sometimes, God moves things around in our lives in ways we don’t immediately understand. 🤍

As my friend leaves the company, I found myself stepping into a new season — being moved under new leadership, having my schedule adjusted, and being given new opportunities and fresh beginnings.

I may not know exactly what lies ahead, but I am learning to embrace the unknown with peace, knowing that God’s plans are always intentional, perfect, and filled with purpose. ✨

I trust that every transition, every closed door, and every new path is part of His greater plan. So instead of worrying about what’s next, I choose to be grateful for where I am now and excited for what God has prepared for me.

“For I know the plans I have for you,” declares the Lord, “plans to prosper you and not to harm you, plans to give you hope and a future.”
— Jeremiah 29:11 🤍

Here’s to new beginnings, quiet growth, and trusting God’s perfect timing. 🌿

27/07/2026

DEVOTION TODAY:

James 1:19 (NIV):
"Everyone should be quick to listen, slow to speak and slow to become angry."

Quick to listen – Give others your full attention before responding. Listening shows humility, understanding, and respect.

Slow to speak – Think carefully before talking. Thoughtful words are more likely to build others up than impulsive reactions.

Slow to become angry – Manage your emotions rather than letting them control you. Anger often clouds judgment and can damage relationships.
Takeaway

James 1:19 encourages a posture of wisdom and self-control. Instead of reacting immediately, take time to understand, respond thoughtfully, and keep your emotions in check. Practicing these habits can strengthen relationships, reduce conflict, and reflect maturity in both faith and daily life.

Practical application:

Listen to understand, not just to reply.
Pause before speaking, especially in difficult conversations.

When you feel anger rising, give yourself time to respond calmly rather than reacting impulsively.
A simple way to remember the verse is: "Listen first, speak wisely, and respond with patience."

21/07/2026

Sometimes, the hardest moments bring the clearest lessons.

May mga pagkakataon na mararamdaman mo na parang may mga taong hindi ka gusto. Natural lang na masaktan o magtanong ng, "May mali ba sa akin?" But today, I realized that maybe it's also one of God's ways of opening our eyes to things we've been missing.

Kapag masyado tayong komportable na laging accepted o appreciated ng mga tao, minsan hindi na natin napapansin na may iba pa palang areas ng buhay natin na kailangan ng attention. We get so used to being seen that we forget to spend time becoming.

This season has given me a different perspective. Instead of dwelling on who chooses not to see my value, I'd rather focus on what God is allowing me to see. With fewer eyes watching, I have more freedom to work quietly, sharpen my skills, nurture the things I truly love, and continue becoming the person God is calling me to be.

Not every closed door is a loss. Not every distance is rejection. Sometimes, it's God's invitation to grow in places where validation isn't the goal—character is.

So if you ever find yourself in a season where you feel less noticed, less included, or even misunderstood, maybe don't rush to see it as something negative. It could be the very space God is using to prepare you for something greater.

Here's to embracing growth over comfort, purpose over popularity, and God's perspective over people's opinions. 🤍🙏

04/06/2026

✨ Bible Journaling Essentials Giveaway ✨

Ito ang usual Bible journaling stationery kit na gamit ko during my devotional time — perfect for capturing verses, taking notes, and making quiet time more meaningful. 📖🖊️💕

Curious lang... ano ang FAVORITE mong Bible journaling material? 🤔

💬 Comment below kung ano ang pinaka-ginagamit mo:
• Highlighters?
• Washi tapes?
• Sticky notes?
• Pens?
• Stickers?
• Tabs?
• Or something else?

🎁 BONUS GIVEAWAY:
Ang magko-comment ng ika-20th comment sa youtube ay makakatanggap ng SIMILAR Bible Journaling Stationery Kit for FREE! 🥳

https://youtube.com/shorts/jeQqR8sJpEw?si=WNfhq-gqwZsemm3B

Tag your journaling buddies and let's share ideas! ❤️

STATIONERY FOR BIBLE JOURNALINGOne of the things that I enjoyed th...

02/06/2026

Core memory unlocked! 🤯🎮

Nag-try lang ako ng gachapon, tapos hindi ko in-expect na makukuha ko itong functioning mini brick game! Parang bumalik ako sa 90s kung saan ito ang ultimate boredom killer. 😆

Nakakatuwa na gumagana talaga siya at sobrang nostalgic ng feeling habang pinipindot yung classic buttons. Minsan talaga, maliit na laruan lang sapat na para ibalik ang saya ng childhood. 🕹️✨

Sino pa dito ang lumaki sa brick game? 🙋‍♂️🙋‍♀️

Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

02/06/2026

🎮⚡ Power-Up o Magic Spell?
Hindi ko alam kung Mushroom Kingdom o Hogwarts ang mapupuntahan ko sa mga gachapon na ito! 😍

https://youtube.com/shorts/G30uo3A-V-Q?si=Z7LYqCoEI6z9d-9R

Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.