The Luminary

The Luminary The Luminary is the official publication of the Junior Financial Executives - PUP Manila.

The Luminary is the renaissance name of the newsletter of the PUP - Financial Management Department. The organization aims to act as a competent herald to meet the students' need of holistic approach in information and knowledge dissemination about the current issues and talks in various fields, such as, but not limited to Banking and Finance. The organization is composed of writers and journalist

s, basically from the DFM community, forged together in alliance of promoting social consciousness, financial freedom and the love for truth.

Is the "bare minimum" age a wake-up call to reexamine what really matters, or is it a dangerous slide in expectations? P...
02/05/2025

Is the "bare minimum" age a wake-up call to reexamine what really matters, or is it a dangerous slide in expectations? Perhaps the answer is somewhere in between.

๐…๐„๐€๐“๐”๐‘๐„ ๐ฅ ๐“๐ก๐ž โ€œ๐๐š๐ซ๐ž ๐Œ๐ข๐ง๐ข๐ฆ๐ฎ๐ฆโ€ ๐„๐ซ๐š: ๐ˆ๐ฌ ๐’๐จ๐œ๐ข๐ž๐ญ๐ฒ ๐‹๐จ๐ฐ๐ž๐ซ๐ข๐ง๐  ๐ˆ๐ญ๐ฌ ๐’๐ญ๐š๐ง๐๐š๐ซ๐๐ฌ?
By: Belle Ashley Iori Sy







Is the "bare minimum" age a wake-up call to reexamine what really matters, or is it a dangerous slide in expectations? Perhaps the answer is somewhere in between. Over the last few years, there appears to be an interesting trend influencing our cultural and social normsโ€”the so-called "bare minimum...

๐—” ๐—ฐ๐—ผ๐—ป๐˜€๐˜๐—ฒ๐—น๐—น๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ต๐—ฎ๐˜€ ๐—ฏ๐—ฒ๐—ฒ๐—ป ๐—ฟ๐—ฒ๐—ฏ๐—ผ๐—ฟ๐—ปโ€”๐—ฑ๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐—ฒ๐—ป๐˜ ๐˜€๐˜๐—ฎ๐—ฟ๐˜€ ๐˜„๐—ถ๐˜๐—ต ๐˜๐—ต๐—ฒ ๐˜€๐—ฎ๐—บ๐—ฒ ๐—ณ๐—ถ๐—ฒ๐—ฟ๐—ฐ๐—ฒ ๐—น๐—ถ๐—ด๐—ต๐˜.Serving financial insights from the creative ...
27/04/2025

๐—” ๐—ฐ๐—ผ๐—ป๐˜€๐˜๐—ฒ๐—น๐—น๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ต๐—ฎ๐˜€ ๐—ฏ๐—ฒ๐—ฒ๐—ป ๐—ฟ๐—ฒ๐—ฏ๐—ผ๐—ฟ๐—ปโ€”๐—ฑ๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐—ฒ๐—ป๐˜ ๐˜€๐˜๐—ฎ๐—ฟ๐˜€ ๐˜„๐—ถ๐˜๐—ต ๐˜๐—ต๐—ฒ ๐˜€๐—ฎ๐—บ๐—ฒ ๐—ณ๐—ถ๐—ฒ๐—ฟ๐—ฐ๐—ฒ ๐—น๐—ถ๐—ด๐—ต๐˜.

Serving financial insights from the creative space, The Luminary introduces its new staffersโ€”๐“๐ก๐ž ๐‹๐ฎ๐ฆ๐ข๐ง๐š๐ซ๐ฒ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ’-๐Ÿ๐ŸŽ๐Ÿ๐Ÿ“ ๐„๐๐ข๐ญ๐จ๐ซ๐ข๐š๐ฅ ๐๐จ๐š๐ซ๐.

Meet the dreamers whose vision is sharper than their quills, the storytellers who speak when silence is easier, and the watchers who guard the truth when it trembles:

๐—˜๐—ฑ๐—ถ๐˜๐—ผ๐—ฟ-๐—ถ๐—ป-๐—–๐—ต๐—ถ๐—ฒ๐—ณ
Lee Anne Domingo

๐—”๐˜€๐˜€๐—ผ๐—ฐ๐—ถ๐—ฎ๐˜๐—ฒ ๐—˜๐—ฑ๐—ถ๐˜๐—ผ๐—ฟ
Bernadette Trinidad

๐— ๐—ฎ๐—ป๐—ฎ๐—ด๐—ถ๐—ป๐—ด ๐—˜๐—ฑ๐—ถ๐˜๐—ผ๐—ฟ
Aries Manlangit

๐—™๐—ฒ๐—ฎ๐˜๐˜‚๐—ฟ๐—ฒ ๐—˜๐—ฑ๐—ถ๐˜๐—ผ๐—ฟ
Charlie Maedilene Bobis

๐—ข๐—ฝ๐—ถ๐—ป๐—ถ๐—ผ๐—ป ๐—˜๐—ฑ๐—ถ๐˜๐—ผ๐—ฟ
Belle Ashley Iori Sy

๐—™๐—ฒ๐—ฎ๐˜๐˜‚๐—ฟ๐—ฒ ๐—ช๐—ฟ๐—ถ๐˜๐—ฒ๐—ฟ๐˜€
Joanne Omagap
Beatrice Geronimo
Rachell Ann Coner

๐—˜๐—ฑ๐—ถ๐˜๐—ผ๐—ฟ๐—ถ๐—ฎ๐—น ๐—ช๐—ฟ๐—ถ๐˜๐—ฒ๐—ฟ๐˜€
Russell Santos
Laujen Joy Endozo

๐—ก๐—ฒ๐˜„๐˜€ ๐—ช๐—ฟ๐—ถ๐˜๐—ฒ๐—ฟ
Johanna dela Cruz

๐—Ÿ๐—ถ๐˜๐—ฒ๐—ฟ๐—ฎ๐—ฟ๐˜† ๐—ช๐—ฟ๐—ถ๐˜๐—ฒ๐—ฟ
Sophia Agatha Maun

๐‘ป๐’‰๐’† ๐’”๐’Œ๐’š ๐’‰๐’‚๐’” ๐’”๐’‰๐’Š๐’‡๐’•๐’†๐’…. ๐‘ป๐’‰๐’† ๐’‡๐’–๐’•๐’–๐’“๐’† ๐’Š๐’” ๐’–๐’๐’‡๐’๐’๐’…๐’Š๐’๐’ˆ. ๐‘จ๐’๐’… ๐’˜๐’† ๐’‚๐’“๐’† ๐’“๐’†๐’‚๐’…๐’š ๐’•๐’ ๐’˜๐’“๐’Š๐’•๐’† ๐’Š๐’•.




College life at PUP is more than just deadlines and lectures โ€” it's about finding breath between the chaos. From quiet c...
25/04/2025

College life at PUP is more than just deadlines and lectures โ€” it's about finding breath between the chaos. From quiet corners on campus to food spots just outside the gates, every moment matters. In the end, itโ€™s these in-between memories that define the journey.

๐…๐„๐€๐“๐”๐‘๐„ ๐ฅ ๐๐ซ๐ž๐š๐ญ๐ก๐ž๐ซ๐ฌ ๐š๐ง๐ ๐๐ž๐ฒ๐จ๐ง๐: ๐๐ž๐ฌ๐ญ ๐“๐š๐ฆ๐›๐š๐ฒ๐š๐ง ๐ญ๐ก๐š๐ญ ๐ž๐ฏ๐ž๐ซ๐ฒ ๐๐”๐๐ข๐š๐ง ๐’๐ก๐จ๐ฎ๐ฅ๐ ๐Š๐ง๐จ๐ฐ
By: Joanne Hernandez Omagap







College life at PUP is more than just deadlines and lectures โ€” it's about finding breath between the chaos. From quiet corners on campus to food spots just outside the gates, every moment matters. In the end, itโ€™s these in-between memories that define the journey. College life at the PUP bears t...

Car or home? Both are milestones, but only one fits your lifestyle right now. So, choose the key that unlocks your versi...
22/04/2025

Car or home? Both are milestones, but only one fits your lifestyle right now. So, choose the key that unlocks your version of success.

๐…๐„๐€๐“๐”๐‘๐„ ๐ฅ ๐…๐จ๐ฎ๐ซ ๐–๐ก๐ž๐ž๐ฅ๐ฌ ๐จ๐ซ ๐…๐จ๐ฎ๐ซ ๐–๐š๐ฅ๐ฅ๐ฌ: ๐’๐ก๐จ๐ฎ๐ฅ๐ ๐˜๐จ๐ฎ ๐๐š๐ซ๐ค ๐จ๐ซ ๐๐ฎ๐ญ ๐ƒ๐จ๐ฐ๐ง ๐‘๐จ๐จ๐ญ๐ฌ ๐…๐ข๐ซ๐ฌ๐ญ?
By: Aries Manlangit







Car or home? Both are milestones, but only one fits your lifestyle right now. So, choose the key that unlocks your version of success. Youโ€™ve finally made it. Your savings are growing, your income is steady, and now you're eyeing that long-awaited reward; your first big purchase. As you scroll thr...

Speak for the voiceless โ€” both human and animal. This week, letโ€™s raise awareness and take a stand against cruelty and v...
18/04/2025

Speak for the voiceless โ€” both human and animal. This week, letโ€™s raise awareness and take a stand against cruelty and violence in all its forms. Together, we can be the change that brings peace, protection, and compassion.

๐‹๐ˆ๐“๐„๐‘๐€๐‘๐˜ | ๐€๐ง๐ข๐ฆ๐š๐ฅ ๐‚๐ซ๐ฎ๐ž๐ฅ๐ญ๐ฒ ๐š๐ง๐ ๐‡๐ฎ๐ฆ๐š๐ง ๐•๐ข๐จ๐ฅ๐ž๐ง๐œ๐ž ๐€๐ฐ๐š๐ซ๐ž๐ง๐ž๐ฌ๐ฌ ๐–๐ž๐ž๐ค
By: Sophia Maun







Speak for the voiceless โ€” both human and animal. This week, letโ€™s raise awareness and take a stand against cruelty and violence in all its forms. Together, we can be the change that brings peace, protection, and compassion. โ€œCrueltyโ€, one word yet so hard to hear. As I browse through my feed...

''Hindi pinupulot ang peraโ€ is a common phrase echoed in the busy streets of the Philippines. The 5-6 lending system thr...
15/04/2025

''Hindi pinupulot ang peraโ€ is a common phrase echoed in the busy streets of the Philippines. The 5-6 lending system thrives in underserved Filipino communities due to limited access to formal financial services. Addressing this issue requires government intervention through safer credit options, financial education, and fair lending regulations.

๐…๐„๐€๐“๐”๐‘๐„ ๐ฅ ๐“๐ก๐ž ๐Ÿ“-๐Ÿ” ๐‹๐ž๐ง๐๐ข๐ง๐  ๐‚๐ฎ๐ฅ๐ญ๐ฎ๐ซ๐ž: ๐–๐ก๐ฒ ๐ˆ๐ง๐Ÿ๐จ๐ซ๐ฆ๐š๐ฅ ๐‹๐จ๐š๐ง๐ฌ ๐’๐ญ๐ข๐ฅ๐ฅ ๐ƒ๐จ๐ฆ๐ข๐ง๐š๐ญ๐ž ๐๐ก๐ข๐ฅ๐ข๐ฉ๐ฉ๐ข๐ง๐ž ๐‚๐จ๐ฆ๐ฆ๐ฎ๐ง๐ข๐ญ๐ข๐ž๐ฌ
By: Johanna de La Cruz







โ€œHindi pinupulot ang peraโ€ is a common phrase echoed in the busy streets of the Philippines. The 5-6 lending system thrives in underserved Filipino communities due to limited access to formal financial services. Addressing this issue requires government intervention through safer credit options,...

CALL FOR DONATIONS โ—A devastating fire struck a residential area in Brgy. Obrero, Quezon City near the home of our Ka-Fi...
14/04/2025

CALL FOR DONATIONS โ—

A devastating fire struck a residential area in Brgy. Obrero, Quezon City near the home of our Ka-Finance Charlie Maedilene Bobis from BSBA FM 4-10s. The fire reached the third alarm and displaced multiple families. While their home was spared, neighbors and their pets were not as fortunate.

Let us extend our hands as every peso can provide shelter, meals, and a sense of hope to those who have lost everything. Donations will be coordinated with the barangay, and a transparency report will be provided.

For those who wish to extend their help, kindly send the donations through the following channels:

Gcash: 09936016317
BDO: 001150380762
Charlie Maedilene Bobis
https://www.facebook.com/share/p/1FnDsBhTAy/

Let us support our Ka-Finance in assisting their barangay to recover from this case.

'Tingi-tingiโ€™ Culture isn't just a way of buyingโ€”it's a way of surviving when every peso counts. Born from necessity, it...
13/04/2025

'Tingi-tingiโ€™ Culture isn't just a way of buyingโ€”it's a way of surviving when every peso counts. Born from necessity, it reflects a culture where thinking small isnโ€™t failure, but resilience. Itโ€™s never wrong to survive this way.

๐…๐„๐€๐“๐”๐‘๐„ ๐ฅ '๐“๐ข๐ง๐ ๐ข-๐ญ๐ข๐ง๐ ๐ขโ€™ ๐‚๐ฎ๐ฅ๐ญ๐ฎ๐ซ๐ž: ๐“๐ก๐ž ๐„๐ง๐๐ฎ๐ซ๐ข๐ง๐  ๐„๐œ๐จ๐ง๐จ๐ฆ๐ฒ ๐จ๐Ÿ ๐‰๐ฎ๐ฌ๐ญ ๐„๐ง๐จ๐ฎ๐ ๐ก
By: Lee Anne Domingo







'Tingi-tingiโ€™ Culture isn't just a way of buyingโ€”it's a way of surviving when every peso counts. Born from necessity, it reflects a culture where thinking small isnโ€™t failure, but resilience. Itโ€™s never wrong to survive this way. "Paminta, sibuyas, bawang, betsin sa Lunes babayaran" When we ...

๐˜ผ ๐™›๐™ค๐™ง๐™˜๐™š ๐™ช๐™ฃ๐™—๐™ค๐™ช๐™ฃ๐™™, ๐™– ๐™ง๐™๐™ฎ๐™ฉ๐™๐™ข ๐™ค๐™› ๐™™๐™š๐™›๐™ž๐™–๐™ฃ๐™˜๐™š...The relentless force that speaks when silence threatens to drown the truth. As w...
06/04/2025

๐˜ผ ๐™›๐™ค๐™ง๐™˜๐™š ๐™ช๐™ฃ๐™—๐™ค๐™ช๐™ฃ๐™™, ๐™– ๐™ง๐™๐™ฎ๐™ฉ๐™๐™ข ๐™ค๐™› ๐™™๐™š๐™›๐™ž๐™–๐™ฃ๐™˜๐™š...

The relentless force that speaks when silence threatens to drown the truth. As writers, we are not merely observers; we are the pulse of change, the voice for the voiceless, and the steadfast light that no shadow can eclipse.

๐“๐ก๐ž ๐ฆ๐จ๐ฆ๐ž๐ง๐ญ ๐ก๐š๐ฌ ๐š๐ซ๐ซ๐ข๐ฏ๐ž๐. The stories that demand to be told, the voices that refuse to be silencedโ€”they are all here.

In a world clouded by doubt, only truth can set the course. With unshakable resolve and a fire that refuses to fade, The Luminary unveils its most compelling edition yet: ๐‹๐ฎ๐ฆ๐ข๐ž๐ซ๐ž ๐ˆ๐•: ๐‚๐š๐๐ž๐ง๐œ๐ž ๐จ๐Ÿ ๐ญ๐ก๐ž ๐•๐š๐ง๐ ๐ฎ๐š๐ซ๐.

No force can silence a pen that writes for justice, and no power can overcome the truth we dare to tell.

Read and experience the forefront of financial ingenuity through this flipbook version: https://heyzine.com/flip-book/a95e86ff35.html

To download the PDF file, you may access it through this link: https://tinyurl.com/cdncvngrdLumiere2025





Deriving out of the importance of financial literacy to being informed in state matters.Look through articles about the ...
04/04/2025

Deriving out of the importance of financial literacy to being informed in state matters.

Look through articles about the value of having ๐—น๐—ถ๐—ณ๐—ฒ ๐˜€๐—ฒ๐—ฐ๐˜‚๐—ฟ๐—ถ๐˜๐—ถ๐—ฒ๐˜€ and how social media structure ๐—ฝ๐—ผ๐—น๐—ถ๐˜๐—ถ๐—ฐ๐—ฎ๐—น ๐—ฑ๐—ถ๐—ฝ๐—น๐—ผ๐—บ๐—ฎ๐—ฐ๐˜†.

Read the full articles only at ๐‘ณ๐‘ผ๐‘ด๐‘ฐ๐‘ฌ๐‘น๐‘ฌ this ๐€๐ฉ๐ซ๐ข๐ฅ ๐Ÿ”.




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