by rossanahead | Oct 20, 2011 | Education, Karen Galarpe, technology
By Karen Galarpe
It was a few years ago when I first saw those ads of companies looking for English language online tutors. These tutors were to go over essays written by Korean students, and would have to conduct one-on-one tutorials via the web.
Here was another application of modern information technology – classes and tutorials can be done online, with a student in the comfort of his home abroad going over lessons on English grammar and composition with his teacher across the seas.
I heard that Filipino English language online tutors are quite in demand, given their proficiency in the English. That isn’t surprising.
Online tutorials now are not just limited to English language tutorials. A number of tutorials are now done on the Internet, from web applications courses and college exam review courses to cooking lessons.
Yes, cooking. Senator Panfilo Lacson himself said he learned how to cook during his fugitive days last year, thanks to Google. He could now even bake his own bread!
The beauty of online tutorials is that you can take them at your own pace and at your own time. You don’t have to rush through traffic and spend for transportation to get to the tutorial center or school. And with chat facilities, online tutorials make it easy for students to raise questions and have their tutors answer them immediately. It’s learning without borders, 21st century style.
Thinking of enrolling in an online tutorial course? Here are some tips to help you choose the best one for you:
1. Research about the company offering the online tutorial course. Is it a reputable company? How long has it been in the business? A stable reputable company may be relied on to offer quality online tutorial courses.
2. Read up on the teachers’ qualifications. The website should give potential enrollees a brief background on the qualifications of the online tutors.
3. Look into the details. Will you be able to chat with the tutor to get answers to your questions fast? How soon will you get feedback for tests and homework sent online?
4. Ask for feedback from other enrollees. Check online forums for feedback about an online tutorial course, or ask family and friends for referrals.
by rossanahead | Oct 18, 2011 | home, Ruth M. Floresca, woman
By Ruth Manimtim-Floresca
For the past several years, I have researched on, interviewed a lot of financial experts for, and written many articles on various finance-related topics. Somewhere in between, I came to know more about how it is to really take a good look at my family’s finances and what I could do to better secure our financial future. I acknowledge that I still have a lot to learn but I have improved on what I knew and have also taken several first steps this past year.
An article I read recently mentioned that most people’s idea of financial maturity means either getting the first paying job or making the all-important decision to get married. These life events, however, will not, and do not, affect financial stability unless you have already acquired the mindset with regards to making, keeping, and spending money. As I told my 17-year-old son a few weeks ago, I wish his dad and I could have learned many of the things we’re teaching him now about personal finance management when we were still in our 20’s. If we did, perhaps a lot of things would be different today.
But, it’s never too late to learn and to keep on learning. Here are six things I discovered that could help us become the totally finance-savvy individuals we aspire to be one day.
- Work hard and make your own money. For college students and new graduates, avoid becoming too dependent on your parents. They are not ATM machines. For family members of an OFW, don’t just wait for remittances to keep you alive. Make use of your time, be productive, and help augment your family’s income instead so your loved one would not have to stay abroad far longer than necessary. Don’t take shortcuts to getting rich (e.g. pyramid schemes, gambling, et cetera) because a large percentage of people who have done that end up with a lot less money than when they started.
- Save, save, and save. Study the power of compound interest. Whether you have decided to set aside P100, P500, or P1,000 a month in a financial institution, as long as you religiously stick to this every 30 days and do not touch your savings, no matter what, that small amount of money you allowed to grow will provide you with rewards in the future. Open a new bank account where you can transfer a fixed amount of money once a month. If you are enrolled in an online banking facility, this can be made easier via automatic transfers from your regular savings account. If you are more adventurous, study how you can earn more from investing in vehicles like time deposits, the stock market, mutual funds, and unit investment trust funds (UITFs).
- Be your own financial planner. It is not bad to take advice from others but, ultimately, it will be you who will decide where to invest and how to handle your money. Don’t just take someone else’s word and leave it to him/her to manage your money for you. Be hands on! Do your own research before making any decisions. It took several years before my husband and I finally decided to get life insurance policies after an unfortunate experience with an educational insurance company.
- Avoid getting into debt without a valid reason. Don’t borrow money unless the loan proceeds will be used for something that would help you earn money. When our PC started malfunctioning last year more often than we could use it, I bought a laptop and asked my sister to charge it to her credit card. I paid her back monthly for six months. Meanwhile, I used the laptop to churn articles and find online activities that would provide me with more income.
- Don’t become discouraged from pressing on. My husband and I have made some bad investments in the early years of our marriage. However, those made us realize that though we may make wrong decisions about money, the important thing is to make efforts to correct and avoid repeating the same blunders again. We’ve also learned that all financial decisions will not come without risks but it is not right to avoid making them for fear of committing another mistake. What matters is keeping watch over what happens after making a decision and learning from them. I am of the opinion that financial maturity can be achieved if we are determined to bounce back after experiencing setbacks.
- Live a simple life. Choose to spend money on basic needs and on a few luxuries to reward yourself every now and then. In our home, a mobile phone usually gets replaced only when the old one conks out. My kids don’t have the latest game consoles. What they have are hand-me-downs from their more affluent cousins. If they badly want a new gadget, they have to patiently plan for it and buy the thingamajig with their own savings.
I wholeheartedly believe that material things can rarely give true happiness. Family and friends, however, could. Thus, my husband and I prefer to spend more on special outings where all six of us could bond and enjoy each other’s company away from home once in a while. We treasure these simple joys with a prayer that, when they are all grown up, our kids would remember those happy times with their parents and siblings more instead of memories of being showered with stuff that had only given them fleeting pleasure.
by rossanahead | Oct 16, 2011 | career, children, family, home, Jing Lejano, woman
By Jing Lejano
Sometimes, six days is just not enough to finish all the things that I need to do for the week.
Apart from my usual writing and editing chores, which I do in the comfort of my bedroom, there are interviews to be done and shoots to be attended, sometimes in places not so very near. There are bills to be paid, mail to be answered, errands to be done, and papers to be sorted out.
There are dishes to be cooked, which will go straight to the freezer for the kids to reheat during the week. There are clothes to have laundered, water to have delivered, grass to have cut, and the kitchen roof that needs to have some sealant plastered over because of the incessant rain. There is my bedroom to be cleaned, which I always never do, unless I absolutely have to.
There are the four kids to take care of and looked after—although these days, they don’t need much taking care of as they could very well take care of themselves. There is the granddaughter to embrace, cuddle, and play with. There are family and friends to have lunch with, to chat with, to joke with, to cry out your heart with, and to laugh with all your might.
There are books to be read, movies to be seen, and music to listen and dance to. There are words to be written, pictures to be painted, and baubles to be made. There are my nails to be done, my hair to be colored, and my body to be kneaded into something like soft spaghetti.
Six days just ain’t enough to do all that, and so, on some Sundays, I have tried to my very best to cheat. I’ve tried tinkering with my desktop to see if I can get a little work done. But no matter how hard I try, no matter how great my resolve, I never accomplish anything substantive. It’s like my brain is wired to shut down on Sundays. And so, after a couple of hours of trying, I give up. I give in to the sacred rule of Sunday to relax and get some rest.
The Lord rested on the seventh day, who am I to argue with that?!
by rossanahead | Oct 13, 2011 | children, family, grandparenting, parenting
By Julie Javellana-Santos
Two weeks ago, my brothers, sisters and I threw a big bash for my mother’s 75th birthday. It was not a surprise party since we took turns trying to convince her to come to the Philippines for the party with her American husband. Nevertheless, she was surprised, and so was her husband.
Talk about the party actually began in 2010 when my mom came to the Philippines for her annual Christmas vacation. “Why not have a 75th birthday party in September?” we asked her, pointing out that the fare was half what they usually cost at Christmastime.
One of my sisters already said she would spend for my mom’s fare. Still, it took some time for her to agree — only after my other sister in Singapore said she would fork out the fare of our new stepfather.
We prepared a buffet party for her complete with two lechons (roasted pigs) and several birthday cakes. Drinks were overflowing and the atmosphere was not dampened even by the threat of a typhoon.
There were even dance instructors (my mother’s request!) to help my mom and her guests boogie the night away. Her grandchildren also prepared an enjoyable song number for their lola, complete with specially mixed minus one music.
To cap it all, we helped my brother put together a special audio-visual presentation, complete with pictures of her before she was married and bloopers!
For several Sundays we got together to take videos for the AVP and so that the kids could practice. The party was not a surprise, but this was!
I hope that when I am 75 (or around that age anyway), my daughters will treat me the same way we did my mom. She was so touched with the attention we showered on her, throwing her a themed party and all. But surprisingly, her American husband was even more touched.
In America, when kids grow up they move out of the house and seldom visit their parents at all. Most actually send their parents to an old folks’ home. My mom met her new husband when she was vacationing in Florida ten years after my father died. He has several children who are all married and have their own families, whom he never sees.
Little wonder he was amazed that we get together a lot, and that my sisters even spent for his and my mom’s airline tickets. That’s something quite rare, almost unheard of, in America.
Unlike most people, I do not dread growing old. Children follow the example set by their parents, and if the party is any indication, my children will treasure me as much as we brothers and sisters do my mother.
by rossanahead | Oct 11, 2011 | children, Education, Karen Galarpe, parenting
By Karen Galarpe
I craned my neck to scan the crowd for a familiar face. So many high school seniors have been spilling out onto the sidewalk on Taft Avenue in Manila right after they took the De La Salle University College Entrance Test (DLSUCET) last Sunday night. Some of them were smiling, while some looked serious.
“Ang hirap naman ng exam! Puro word problems! Mas madali pa ang ACET!” one guy said, talking to someone on his cellphone. (The ACET refers to the Ateneo College Entrance Test.)
“Madali lang. Mas mahirap pa ang ACET, pero pinakamahirap ang UPCAT,” said my son when we finally met up. (UPCAT, on the other hand, is the University of the Philippines College Admission Test.)
I found it sweet to see a mom smiling from ear to ear as her daughter was telling her something. And then there was the touching scene where a daughter held on to her dad’s arm, a latte in the other hand, while they walked. She was talking about the exam animatedly, while her dad beamed from ear to ear.
This has been the pattern, more or less, for the past few months as many college hopefuls have started taking those competitive college entrance exams at the country’s top universities. Parents would anxiously wait right outside exam venues, and would be all ears to find out how their children did.
At the University of the Philippines (UP) campus last August, thousands of parents and family members (with some of them even bringing their pet dogs as well) congregated outside UPCAT venues throughout the campus as the examinees went out. The anxiety written on parents’ faces would change to pride and joy as soon as their sons and daughters emerged from the gates.
The same scenario was seen in the next exam, that of the University of Santo Tomas (UST) that same month. Then it was replicated at the Ateneo de Manila University last September and DLSU last Sunday. Before the month is over, UST will have its second UST Entrance Test (USTET) for high school seniors.
If students are nervous about these tests, so are their parents, believe me. Every parent wants only the best for her child, and a good education, they say, is the best legacy a parent can give. Of course, most parents want their children to get the best university education there is, thus the shared anxiety during this season.
Come January next year, expect to see ecstatic status messages on Facebook from parents of college hopefuls as universities start releasing the lists of those who got admitted to their campuses. To see one’s child get into the university of his dreams – that would be a milestone along with the great moments of all time: the day a child made his first step, celebrated his first birthday, went to school for the very first time, attended his first prom, and graduated from high school. Someday, in the far far future, we hope, would be the first relationship, the wedding, and the first grandchild for us. But that seems like light years away. For now, there is college, and so we wait.
