Puto at kutsinta
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This is a really, really nice success story that I picked up on the Inquirer. This is just to prove that you don’t really have to go anywhere else to be successful.
I know, I am one of those who is working outside of the Philippines, still hoping to make it. But I have friends who stayed in the Philippines who became successful.
And then this story… Boredom and the natural drive to create led Nenita to detour from the nursery to the kitchen, experimenting with food flavor and flour.
Everyday, she had a new batch of puto and kutsinta. Today, pandan-flavored. Tomorrow, ube-flavored. The day after, durian-flavored. She must have exhausted her entire rack of flavorings.
Nenita’s first batches of puto-kutsinta found their first market at the canteen of a grade school nearby. Before long, she was supplying seven school canteens on consignment. She wasn’t making money, however, as bilaos of the kakanin were returned unsold and spoiled.
Her luck with puto-kutsinta turned when she began supplying big hotels—Menseng Grand and Grand Royale hotels. As demand grew, she improved her bargaining position.
Today, Nenita deals with these outlets no longer on consignment but on cash basis. Within a year, Nenita had added sapin-sapin to her line of kakanin-to-go. Next, she thought of producing kutsinta solution—a mixture of lye and water. This clicked and she was soon supplying NCC Supermarkets and Park ‘n’ Shop with bottles of the solution.
Read all about this on the Inquirer. Here’s the link:
First, Davao, then, Manila … soon, the world?
Viewed 186 times by 92 viewers
How to collect debts
I was reading the Inquirer - today’s issue and I could not in my life stop laughing at this guy! Isn’t this ridiculously funny? Iritatingly shameful for all those people who had debts at this small sari-sari store and could not or don’t pay - whatever the case maybe? Ha Ha Ha Signs of times! I was just blogging about how micro-finance is really struggling in the Philippines. Well, this pictures answers it.
And sorry, the picture is way too small! I grabbed it on the Inquirer~
Viewed 114 times by 66 viewers
What in the world is going on in Kazakhstan?
Kaza - - what?!
And where in the friggin’ world is Kazakhstan aber!?
Teka. Let me find some info.
WOW! I mean, hanggan doon? Abot ang pinoys? Grabe talaga!!! This just really tells you people how third world we are! We just got no friggin jobs in Manila, my kapwa OFWs are even trekking it out in this part of the world!
And it seems that there are some rioting going on in Kasaktansaktan:
Gordon wants OFWs pulled out from Kazakhstan
Sen. Richard Gordon recommended to the Department of Labor and Employment the pullout of overseas Filipino workers (OFWs) from an oil-drilling site in Kazakhstan following reports of intimidation from some Kazakhs, ABS-CBN News reported Tuesday.In a text message to Labor Secretary Arturo Brion, Gordon suggested that the agency “pull out the many OFWs who no longer feel safe in this very remote outpost.”Gordon, also the chairman of the Philippine National Red Cross, said that he had been in touch with “severely traumatized OFWS who not only fear for their lives but are constantly intimidated n harassed by Kazakhs involved in October 20 fatal event.”He added that Filipinos were being threatened and their personal belongings taken from them by rogue bands of Kazakhs.Gordon’s text message added that “some instances of violence n bullying have been reported. Panic n tempers r at a flashpoint which could lead to severe consequences not unlike the 20 Oct event wc killed many Turks.”The Department of Foreign Affairs said that about 447 Filipinos were transferred to a safer part of the Bechtel-run compound in Tengiz, western Kazakhstan.
A violent clash between Kazakh and Turkish workers erupted when “someone cut into the line” as workers were waiting to be served a meal, an AFP reported said.
The Philippine Star also reported about 40 people being killed and scores injured during the riot.
Anyone of you got relathieves out there?!
And to think na ang sinimulan pala nito eh when “someone cut into the line” as workers were waiting to be served a meal! And this is between Turkish and Kazahks!
HUH! Kakabaliw naman?!
Get this! This happens in the mall sa Manila all the time!!! Ganun lang?! Tigbakan blues agad? Ang babaw naman nang mga Turks at Kazaks na to!!!!
Anong klaseng pagkain yon? Si Madonna? Si Britney? Nakahilatang hubad? Yon ba ang pinipilahan nila? I’m sure hindi nila pag-aawayan ang adobo?
Gahaman at ganid ba sila sa pagkain? Anyone? Anyone?
Viewed 125 times by 65 viewers
Philadelphia Fall Pictures
It’s now fall in Philadelphia. I love fall. This is that time of the year that nature burst into colors, all the trees, the shrubs pati na ako changes colors and it’s absolutely beautiful. So, I thought I would walk in the park piktapos kong maglampaso and watch the beautiful changing colors of the trees and everything. So here are some of the pictures I took.
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Yunus, Yunus, Grameen, Grameen…
As you can see, I am still inflicted by too much Yunusitis and Grameenichwavoyos-voyosnatchivnosky. It’s difficult to get rid of this yunusitis because just as good as it is, it’s interesting how he was able to manage the adversity and the negative advices he got from the banks that lending money to poor people is just a waste of money, a drain of resources and all that junk. I thought the banks in Bangladesh at that time is just really similar to the banks in the Philippines. Isn’t there a lot of micro-credit whatever crap our local banks has? But did anyone tried getting a hand on these microloans from our local banks? Because I DID! OHHHH YEAAHHH. I was only trying to loan Php50,000 and the documents that needs to be signed is not enough to be laid out on the entire EDSA. Too bad, I could not get a title of the whole Ayala Avenue as my collateral.
Here’s what I found on the Inquirer just now. It’s an application of the whole grameen principle in Pampanga. It’s working there, I wonder if there are any other success stories anywhere else, especially dun sa mga kabaryohan natin.
|
Grameen ‘micro-credit’ model already thriving in Pampanga |
| APALIT, Pampanga — To Michelle Agbunag who sells fried day-old chick as snack in her neighborhood, Muhammad Yunus and his Grameen Bank (village bank) were names that she had only heard twice or thrice, and she’s hard put at recalling them.It is the philosophy that has stuck, as real as the P200 she earns at the end of each day’s work.
“Utang ng isa, utang ng lahat (One’s debt is everybody’s debt),” was how she had come to understand the micro-credit program adopted from what Yunus began in Bangladesh in 1976. The bias for poor borrowers also holds true here. “Loans go to us, poor women,” Agbunag said as she and 26 other women from the flood-prone village of San Nicolas in Minalin town received their group’s loan of P195,000 on Friday. This was the seventh time since 2003 that they renewed their loan from the Talete Ning Panyulung Kapampangan Inc. (Bridge for the Progress of Kapampangan Inc.) under its Alternative Livelihood Opportunities for Women (Alow). “It’s an adaptation of what Dr. Yunus has started,” said Fr. Ed Panlilio, who founded TPKI in 1987. Adopted 10 years ago on the egging of the Alliance of Philippine Partners in Enterprise Development, the Grameen Bank model by TPKI has helped groups of women, with a total membership of 16,602, and 2,639 individual borrowers, mostly women, in Pampanga, Tarlac, Bulacan and Nueva Ecija, according to its records. The loan portfolio since 1987 has amounted to P1 billion, with Alow taking the bulk of the fund. Loans from January to September 2006 have reached P154.4 million or an average of P17 million monthly. Money borrowed ranges from P3,000 to P10,000, at a 2.5 percent interest monthly or a fourth of what usurers charge. Lent out for a six-month term, the amounts are paid weekly. The repayment rate is 92 percent, said Noel Alipio, TPKI assistant executive director for operations. He said the TPKI can sustain itself now due to the P20 weekly capital build-up fund of members. Gina Marin, director for administration and finance, said the TPKI has stopped borrowing capital from the People’s Credit Finance Corp. since 1998 and the Land Bank of the Philippines and Care Philippines both in 2002. Members can withdraw the capital build-up fund when they assess themselves to be no longer dependent on loans or they want to meet emergency needs without spending the loans on these. Clients are also covered by insurance in forms of cash or burial assistance worth P35,000. It reaches more women through branches in Apalit, Guagua, Mabalacat and Sta. Ana towns in Pampanga; Baliuag town and Malolos City in Bulacan; and Capas town and Tarlac City in Tarlac. The TPKI has grown from the P6,600 pooled from the contributions of the founding board comprised of Willie Vergara, Dandy Cabral, Frank Ignacio, Rev. Elias Talavera, lawyer Avelino Gorospe, Fer Caylao, Kits Lapid and Luisa Panlilio. Its three-member staff has grown to 100. From the individual lending program, it has offered Alow and then housing loans to victims of Mt. Pinatubo ’s 1991 eruptions, by far the worst natural disaster that had hit Pampanga and other provinces of Central Luzon. More than the good marks, it is what those loans do to the lives of the women and their families that matters most. “Maragul yang saup (It gives big help). My husband was out of work for two straight years but we were able to survive through the P3,000 loan I took. What I earned from selling went to buying food and school supplies for the kids,” Agbunag, a mother of four, said. When her husband found work in a bottling company, she set aside some earnings to use these on selling candles, meat products and beauty products. She preferred being self-employed as jobs for a college undergraduate like her came slim. Agbunag is relieved that she can get loans even if she does not have collateral to show. The loan is guaranteed at first by the group to which she belongs and then by borrower’s track record of paying on time. She has increased the loan to P5,000. Rosie Carpio, 46, started her rice retail business with P5,000. “My husband’s income as a jeepney driver did not suffice. More than half of his income went to paying the boundary (payment to the jeep’s owner) so I needed to work to at least produce the rice for the family,” Carpio said. As the family got a steady supply of rice for their meals, she also managed to set aside earnings for her son Ricardo’s fare to school. Ricardo finished a civil engineering course last year and found work in government. He’s helping his parents send his younger siblings to school. “These women are usually non-bankable clients but it is they that we chose to work with for the following reasons: They have a high sense of dignity, they carry much of the burden of raising their families and they’re easy to locate in their homes,” Alipio said. “At this point, TPKI and its partners (the borrowers) are able to only ease poverty. We still haven’t totally eradicated it or help them bridge the poverty line,” he said, citing the gravity of poverty in rural areas. Still, there is another aspect that grows in these micro-enterprise ventures. “The value of misaup-saup (helping each other) has been strengthened and they grow spiritually together. This is the spirit of ecumenism. We’ve got to have a holistic approach against poverty. It is not enough to have economic liberation,” Panlilio said. The TPKI took roots when residents in poor communities being organized by the Archdiocese of San Fernando began airing the need to get loans to improve their lives. The first NGO it approached, the Tulay sa Pag-unlad Inc., suggested that it be done through the ecumenical way or reaching out to various Christian believers, not only Catholics. How diverse they can be is mirrored by the composition of its present board of directors. Four are Protestants, two are Catholics and one is a Born Again Christian. Alipio said partners gather once a week to hold Bible studies, prayers, personality development and leadership training. Many did not only become entrepreneurs but also community leaders. Christopher Diaz, a project officer, said he has seen the “collective spirit” in action. In many cases when members are unable to pay, their group mates motivate them to go trying and not to lose hope. When that fails, they assumed the debt, grudgingly of course, but still gives a second but not a third chance. “In a group in San Simon, the women pooled P2,000 to contribute to a member whose husband died. Because their friend was tired from the wake and burial, they went out of their way to take turns doing the laundry for her,” Diaz, 31, said. “You see women bonding in times of need,” he said. |
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Condo Unit for Sale - East Ortigas
I just learned that my next door neighbor at East Ortigas Mansions in Pasig City is selling his Condo Unit. It’s a 2-bedroom unit on the 2nd floor of Monaco Building.
I will get some more information and edit this posting.
Viewed 160 times by 77 viewers
Mohamad Yunus, Nobel Prize winner
You have no idea what is happening to me! I am sooooo hooked into this Yunus! I know, I just posted news about him the other day and for the last 25 hours, I have been reading and goobling up every news and information about how he got started!
OMG! I can’t believe what he has done! But then again, you know, kudos to the RMF Award because they were the first to recognize his achievements before Nobel Peace friend found him.
Anyway - nagkakasakit na yata ako nang YUNUSitis! Lahat na yata nang peryodiko eh nabasa ko na! Lahat na nang mga kung ano anong editorial na edit ko na!
I am really, really impressed by what this guy has done! I have no idea who you are Mohamad, but I ADORE YOU!!!!
OK, eh bakit he’s been successful with this concept sa Bangladesh which is mainly muslim, bakit wala yata akong marinig, mabasa, matsismis na microfinancing success stories sa Pinas?
Lahat ba sila nadugas kagaya ko?
Ano bang mali natin?
Ano?! ANO?!! ANOOOOOO!!!!!!!!!!!
This reminds me again when I was in Manila doing business. Compare mo dito sa States. Here, if you have a small business, you can loan sa bangko sakaling ma-short ka nang operating capital.
Sa Pinas? I already have a friend (SUSKO SANA WAG MABASA ANG BLOG NA TOOO!!! KUNDI GUGULPIHIN AKO NON!!!) who is a bank manager and where I bank my millions of $0.00001 coins - na hindi ako mapautang!!!
MOHAMAD YUNUS!!! LISTEN TO ME! WILL YOU RUN THE BANKING SYSTEM IN THE PHILIPPINES?!!!
Wala akong magawa’t nabasa ko ang mga to:
1. Pinoy Kasi : ‘Utang’ to finance
2. Muhammad Yunus - Nobel Peace Price Winner
3. Muhammad Yunus, Ph.D. (Bengali: ???????? ?????, Muhammod Iunus)
5. Grameen Bank
Viewed 178 times by 88 viewers
Microfinancing or Microlending
Microfinancing is in the news today, solely because of Muhammad Yunus of Bangladesh, this year’s Nobel Peace Prize winner. And who is he? He is the Ramon Magsaysay Award Foundation (RMAF) 1984 awardee for Community Leadership who now this year’s Nobel Peace Prize winner.
So what is Yunus guilty about? Read here… I am sure you will get an idea on how to copy his initiative in our barrios with micro-lending.
After reading the article, I thought I would look for some more of this microfinancing buzz in South Asia and it seems to be very successful in that part of the globe, i mean, India, Bangladesh, Pakistan - that part.
Here’s a very, very nice article about Microlending: An Anti-Poverty Success Story that I was able to get from the Stanford Graduate of Business. It seems that they did very well in India.
So, I thought, I wonder what’s going on in my dear kawntri. Here’s what I found about Micro-Lending in the Philippines from the World Bank’s site.
Microlending in the Philippines: the Case of a Pilot ProjectNew approaches to microlending should be tested through pilot projects before being introduced on a large scale, according to an audit by OED.*
Between 1990 and 1993, the World Bank financed a project aimed at making funds widely available to cottage enterprises and developing a viable guarantee system for lending to microenterprises in the Philippines. Designed at a time when very few Bank-supported microlending projects existed anywhere else, the operation did not include a pilot project and tried to break new ground by finding substitutes for collateral through mutual guarantee associations, which grouped potential borrowers and provided guarantees for loans made to their members.
Although microlending is much needed in the Philippines, where the informal sector is very important to the economy, the project met a series of difficulties. Commercial banks were uninterested in lending to the guarantee associations, and the procedures for establishing the associations were complicated and expensive.
The project was complex and could not rely on prior experience in guarantee association schemes. It also did not make extensive use of an existing network of rural banks, and intentionally opted to work through accredited financial institutions. The project was unsuccessful, but it did provide valuable lessons for the rapidly growing practice of microlending in developing countries.
Background
Cottage firms in the Philippines have almost no access to bank credit because most of their owners do not have real estate titles they can use as collateral besides their homes, which are already mortgaged. What collateral these family-run businesses do have usually consists of small machines that can be easily moved and are difficult to value or repossess. As a result, banks are generally unwilling to provide credit to microenterprises.
The World Bank in 1991 supported a project aimed at boosting the microenterprise sector in the Philippines by developing a system of loan guarantees for retail lending to cottage industries, and by providing funds countrywide to a significant number of women entrepreneurs, who make up the majority of micro-enterprise owners. It also aimed at increasing both capacity and interest of the financial system in providing loans to cottage enterprises, especially in the countryside.
The microlending operation in the Philippines attempted to create a new substitute for collateral by developing mutual guarantee associations (MGAs). The associations would group potential borrowers with something in common, such as professional or family relationships, or geographical proximity, and issue guarantees to banks on their members’ behalf. The MGA concept had been tried only among high-income professions in western Europe, and not in a developing country. The Philippines project also differed from others in that it did not plan to use an existing network of rural commercial banks, relying instead on individual banks and lending institutions.
The $15 million project was approved in May 1989. It was designed specifically for the informal sector, which in the Philippines is very important to the economy. The MGA concept appeared to fit well with the country’s social environment, which values community activities very highly. The project, however, ran into a series of obstacles, the most serious of which turned out to be the lack of previous experience with MGAs. The MGA concept for lending to cottage industries in the Philippines was entirely the Bank’s idea, and ran counter to an analysis by the country’s National Economic Development Agency.
Outcome
The project had a poor outcome. Few financial institutions were willing to lend to MGAs and few MGAs were successfully established.
From 1990 to October 1993, when the project was closed one year ahead of schedule, only 39 MGAs had been legally established, compared to an initial target of 60. Today, 21 MGAs still legally exist, but only 12 are operating. Ten of these are considered institutionally strong and likely to remain active in the long term, but many have suffered since their very start from a lack of trained administrators. During the project, the targeted size of each MGA was reduced from 60 to 40 members. Today, each MGA has an average of 35 members.
Commercial banks did not consider MGAs attractive clients: difficulties in obtaining adequate information from borrowers resulted in high processing costs, while onlending arrangements made the interest margins too low. Furthermore, commercial banks in general seem uninterested in lending to small-scale enterprises, which are able to borrow from a number of subsidized schemes.
In the end, most banks agreed to lend only to those enterprises they felt had growth potential, and on condition that the proposed intermediation margin be attractive and that borrowers make deposits. In 1993, loans approved to MGA members totaled only 72.8 million pesos (about $2.5 million) with individual loans averaging between $2,700 and $2,900.
Another problem was that bankers did not know their prospective MGA clients, who in many cases lived far away. An individual contribution of 10,000 pesos ($400) to an MGA allowed members to become eligible for a credit of up to 90,000 pesos ($3,600). But commercial banks considered this figure too high for new and unfamiliar borrowers. (Even with a maximum contribution of 30,000 pesos, only 47 percent of an individual loan was covered by MGA guarantees.) Furthermore, many MGAs were in remote areas and relatively far from the banks they were trying to borrow from.
The MGAs themselves had their own problems. The administrative process of creating MGAs was cumbersome and more expensive than had been anticipated. For example, MGAs had to register with the securities and exchange commission (SEC); separate agreements were needed for matching loan funds, guarantee agreements, registration with SEC, memorandums of understanding, registration of individuals, preparation of financial statements, and notarization of documents. As a result, some MGAs were set up artificially just to meet deadlines, with reduced sizes and members often having little in common with one another.
The project also had problems with information dissemination. In spite of the staff’s promotional efforts, many potential borrowers believed the loans included some form of subsidy and were under the impression that repayment conditions would be flexible.
Lessons
The main lesson of the project is that an untested approach for lending to microenterprises should not be adopted on a national scale without first trying a pilot operation, allowing the borrower and the Bank to test the feasibility of the scheme. Moreover, the views of the borrower on what can and cannot work should be taken carefully into consideration in the planning stage.
If MGAs are to be adopted successfully in developing countries, they need to be carefully tailored to specific conditions during project preparation and testing. The lessons learned from the experience in the Philippines highlight some of these issues:
• Project design should remain simple and allow easy access to credit, particularly where there is poor information and limited banking technology. Regulations governing MGAs should not be too expensive or burdensome.
• To make their clients more attractive to commercial banks, microfinancing projects based on MGAs may need to set up a small matching fund facility so they can guarantee a higher percentage of each loan.
• Lenders and borrowers should be located in the same area, to reduce travel times and allow long-term personal contacts to develop.
• Promotional efforts should clearly explain the commercial aspects of the plan to borrowers, and more intensive dialogue with the government and implementing agencies is needed during project preparation.
• MGAs may require temporary subsidies for seed capital and to help cover initial expenses in the first years of operation.
• MGAs need to select participants carefully: borrowers with good business development potential; rural banks and credit unions who know their customers; and well-trained MGA leaders, preferably with a higher education and a successful business.
*Performance audit report:“Philippines: Cottage Enterprise Finance Project,” by Nicolas Mathieu, Report No. 15834, July 24, 1996. Available to Bank executive directors and staff from the Internal Documents Unit and from regional information service centers. Précis written by Stefano Petrucci.
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Ibalik nyo ko sa Pilipinas!!!
Just like what my college classmates, college friends and close friends in Manila would yell at me, ako’y nabubuang because I’ve always wanted to go back to the Philippines. Just like what they would tell me, they’d die to have my place here in the You Es of Ey to be here instead of being there.
Of course, I could understand. After all, isn’t it true that every Filipino dream is DA American dream?
Even my very close friends here would bombard me with things like:
“Tanga ka ba?! Nasa kama ka na! Bababa ka pa sa papag?!”
“Bibigyan kita nang isang taon. Babalik ka rin dito.”
“Ulol. Walang mangyayari sayo dun!”
I laugh. But deep inside me, I don’t think these people really understand what’s behind my wishes to be back home. But honestly, masakit di ba? Every single one of Filipino-Americans that I spoke with of my dreams, I get a very negative if not insulting reactions. That’s how each and every single one of them views how there is no future in the Philippines - that I disagree.
And so, I did went home, because I am one of those guys who believes that there are a lot of opportunities at home. And so I followed my dreams. Ako’y isang tanga. Estupida. Plandida. Wa chienes-chienes fly-lalush follow my dreams ever. And yes, I was indeed very happy. For all those 8 long months, until reality kicked in.
I love the Philippines. I maybe an Pekeng Merkana but deep inside my knees, ako’y isang Uragon na Bicolana, who believes that there is so much opportunity back home, you just have to learn how to navigate all the negativities at mga manduragas ever na mga tao who’s gonna be your best friend ever once they hear that your tagalog ang english have a different accent no matter how much you blend in to be not noticed.
I love the Philippines. I love Manila.
Those smoke belching jeeps and the everyday smog is aroma to my nostrils. Those wrangling tricycles and motorbikes are music to my ears. Those ever-ever ewan ko forever not ending traffic is already an art to me. (Huh?!).
And they have something new! Everywhere I turn, “Kuya”, “Ate”, “Sir” - ANG GAGALANG!!! Whatever happened to these people?! Nawala lang ako for many, many years puro na “Po”, “Oho”! WATZ GOING ON?!
WELL?
Yes. I failed. But it’s not a confirmation that all of my friends who has been yelling at me deep inside my ears that “DI BA YAN NA NGA ANG SINABI NAMIN SAYO?!”
Sorry. Give me time. Ako’y uulit pa.
I will. Heto ako. Picking up the pieces. When I’m ready. I’ll do it again. Tanga kong tanga!
AND THEN… I ran across this blog.
Leaving the Philippines. Filipinos would die for the opportunity to leave their beloved country in search of better opportunities abroad. My own family did so. As a result, I am now working for corporate America making decent to good money. And if I worked for Uncle Sam a little more, I will make it high along the corporate ladder. Filipinos would kill for this opportunity. Figuratively, of course; or can that be literal as well?
Me, I’m doing the opposite. I have decided to work for Uncle Boy? Auntie Gloria? Who is Uncle Sam’s cohort in the Philippines. I am coming back to the Philippines for my hanap buhay. It took some time for my family and friends to understand why I’m doing it. My grandpa thought I was losing my mind. You see, he was responsible for my family’s petition to the US 20 years ago. (Insert the traditional Filipino Grandpa lecture here about coming to America.) I responded with, Where am I needed more?<> Twin ko ba sya? Sino to? Pano nya nabasa ang utak ko?ZINU ZYA?
I’m VegasFilAmGuy
From Vintar, Honolulu, Las Vegas, Makati
You can call me Pinoy, Filipino, Fil-Am, Amboy, American. Makes no difference to me. For I am what I am, and that’s all that I am.
Well… there is indeed somebody in America who share the same feelings ko.
It makes me feel good.
For me… the dream lives on…
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Nursing scandal updates
As you all know, I am riveted to this never-ever. ever-ever ending nursing scandal happening in the Philippines. So, let me give you some updates on what has happened in the last 48 hours…
READY?! Eto…
Palace leaving PRC chief’s fate to Labor chief
PGMA orders measures vs fraud in licensure exams
Palace urged to certify as urgent Board of Nursing abolition
UST nursing faculty, 2 other groups ask CA to reconsider ruling
DoLE stops nurses’ oath-taking
CA asked to reconsider nursing board ruling
Nursing groups seek reconsideration of CA order
Palace stops oath-taking of new nurses
‘Retake’ will not redeem PRC
4 top nursing schools defend filing of motion
And finally…
Binay defies suspension
BINAY?!
Nurse sya?!
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Palakihin, patigasin at pausbungin
Can you see these IP addresses na bina-block ko? Andami ano? Eto po yong walang puknat na naglalagay nang mga kung ano anong comments here in this site na kesyo they have what it takes na:
- Palakihin yong mga maliliit
- Patigasin yong mga hindi tumitigas
- Pausbungin yong mga wala
Kasama na rito yong mga walang puknat na kakaemail sakin at walang gawin eh takutin ako na if you don’t re-send their email sa lima, sampu, benti-singko at ilan pang milyones na kebigan mo eh, tigbak ang dating mo, super-duper na kamalasan ang aabutin mo at kung ano ano pang pananakot manakaw lang ang email address mo and before you know it, sangkatutak na ang mga junk mails in your mail. Ano ang laman nang mga emails mo: Eto…
- Palakihin yong mga maliliit
- Patigasin yong mga hindi tumitigas
- Pausbungin yong mga wala
AHHHHHHHHHHHHHHHHH!!!!!!
Current IP addresses being blocked: More IP Address blocked here!
83.223.148.154
201.137.135.135
221.146.166.117
200.89.3.50
202.159.212.165
200.181.52.98
200.168.214.83
202.75.49.132
202.75.49.131
202.75.49.130
68.127.240.238
202.75.49.133
202.75.49.134
141.146.4.13
69.113.249.92
202.164.177.186
12.154.44.2
203.177.185.58
61.185.219.235
203.113.13.3
216.32.80.178
178.80.32.216
76.0.35.253
206.111.130.178
195.169.140.32
203.113.13.4
210.17.38.206
81.177.22.243
125.245.24.170
203.64.164.11
61.59.72.10
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62.87.67.200
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125.240.113.194
202.101.6.85
201.245.147.182
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Si Kanoy: Read about it…
This happened a long time ago, it started in late 1995 to be exact, and our friendship lasted for three years, in the sense that three years later I left the island where he was living. I blogged before that I worked for an environmental NGO in the Visayas and I was assigned in one of the islands in the central Philippines, and this is where I met him. Kanoy is his real name, and if you have a friend that lives on one of the islands near Cebu – asked them and the likelihood that they know a Kanoy is possible.
This is an excerpt from my kebigan blogger: pinoy manggagawa sa ksa. I ran into this blog posting because ‘tong aking pren eh pinasta pala sa blog nya yong aking mga kapalpakan - which is ok - matuto sana kayo sa aking mga ka-estupiduhan.
Nakaka-touch tong true story nya about Kanoy. I wished I had ran into Kanoys of the World para naman I would feel kung pano maging successful ang tulong. You know what I mean. I would not hide the fact that I do feel shitty about the fact that I must have spent millions of pesoses at walang nangyari sa mga tinulungan ko.
I remember when I was interviewed for a job:
How do you define success? Say nang lola nyo…
As a Filipino, I’ve defined success this way. If I could leave a positive imprint to those people that I care about in such a way that they are able to help themselves, then my job is done and I could consider it a success. After all, it’s not having a CPA, an MBA, a PhD or an ABDC after your name that matters. What matters is that, the people that you have accorded assistance are able to not only help themselves, but others as well.
I go the job.
Years later?
My relationship with relathieves are in shambles.
So read about Kanoy. It’s a beautiful story.
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