Tao ang problema sa baha.

Pag bumaha, galit na galit sa gobyerno.

Pag may baradong estero at creek, gobyerno ang sinisisi.

Pero kapag nagtatapon ng basura sa kanal, ilog, at creek, parang walang pakialam.

Ang totoo, kahit maghapon maglinis ang gobyerno, kahit milyon-milyong piso pa ang gastusin sa dredging, declogging, at clearing operations, walang mangyayari kung ang mismong tao ay walang disiplina.

Hindi ulan ang pinakamalaking kalaban natin.

Hindi bagyo.

Kundi ang mga taong alam nang bawal, ginagawa pa rin.

Yung plastik na itinapon mo sa kalsada, sa kanal mapupunta.

Yung basura na inihagis mo sa creek, babalik sa iyo sa anyo ng baha.

Tapos kapag lubog na ang bahay at hindi makadaan ang sasakyan, magpo-post sa social media at maghahanap ng masisisi.

Ang baha ay hindi lang sakuna ng kalikasan.

Madalas, bunga rin ito ng kapabayaan at katigasan ng ulo ng tao.

Hangga’t may mga taong walang pakialam sa tamang pagtatapon ng basura, paulit-ulit tayong lulubog sa baha.

Bago sisihin ang gobyerno, tingnan muna ang sariling konsensya.

Dahil walang gobyernong sapat na magaling para solusyunan ang problemang patuloy namang ginagawa ng mga pasaway na mamamayan.

#DisiplinaHindiDahilan

#BasuraMoBabalikSayo

#BahaAyGawangTao

#ResponsibilidadNgLahat

08142026 fri

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Php40 goto

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Php12+30 + 50 pamasahe

Php588 chowking ganda

Php153 shopee pogi

Php350 grab pogi 308+39.

Alone again (Naturally) song by Gilbert O'Sullivan 1972.

In a little while from now

If I'm not feeling any less sour

I promise myself to treat myself

And visit a nearby tower

And climbing to the top

Will throw myself off

In an effort to

Make it clear to whoever

What it's like when you're shattered

Left standing in the lurch, at a church

Where people saying, "My God, that's tough

She stood him up

No point in us remaining"

"We may as well go home"

As I did on my own

Alone again, naturally

To think that only yesterday

I was cheerful, bright and gay

Looking forward to, but who wouldn't do

The role I was about to play

But as if to knock me down

Reality came around

And without so much as a mere touch

Cut me into little pieces

Leaving me to doubt

Talk about God and His mercy

Oh, if He really does exist

Why did He desert me

In my hour of need?

I truly am indeed

Alone again, naturally

It seems to me that

There are more hearts broken in the world

That can't be mended

Left unattended

What do we do?

What do we do?

Alone again, naturally

Now looking back over the years

And whatever else that appears

I remember I cried when my father died

Never wishing to hide the tears

And at sixty-five years old

My mother, God rest her soul

Couldn't understand why the only man

She had ever loved had been taken

Leaving her to start

With a heart so badly broken

Despite encouragement from me

No words were ever spoken

And when she passed away

I cried and cried all day

Alone again, naturally

Alone again, naturally

Sss pension

Retirement is supposed to be the point when decades of work finally give way to a more comfortable life. But for many Filipino senior citizens, it can instead become a monthly exercise in stretching a few thousand pesos across food, electricity, transportation and increasingly expensive medicines.

The numbers expose a difficult reality: an SSS pension is an important financial safety net, but for many retirees, it was never designed to shoulder the full cost of old age.

HOW MUCH DOES AN SSS PENSION PAY?

SSS retirement pensions vary widely because benefits depend on factors such as a member’s Average Monthly Salary Credit and number of credited years of service.

The pension system is also undergoing increases under the SSS Pension Reform Program. Retirement and disability pensions are receiving annual 10-percent increases over three years beginning in 2025, giving millions of pensioners additional income as prices continue to rise.

But even with the increases, many retirees still receive only several thousand pesos every month.

Consider a pension of around ₱5,000. 

That translates to roughly ₱167 a day over a 30-day month. And that ₱167 is supposed to help pay for breakfast, lunch and dinner — before electricity, water, transportation and medicine even enter the picture.

WHAT DOES IT ACTUALLY COST TO GROW OLD?

A modest monthly budget for an independently living senior can quickly reach ₱16,000 to ₱27,000 even without rent.

Food and household necessities alone may consume around ₱8,000 to ₱12,000. Utilities can add ₱3,000 to ₱5,000, while transportation and errands may require another ₱1,000 to ₱2,000.

Then comes perhaps the most unforgiving expense of old age: healthcare.

Maintenance medicines, laboratory tests, consultations and other medical needs can easily consume several thousand pesos every month. A reasonable healthcare allocation of ₱4,000 to ₱8,000 can already rival — or exceed — the entire pension received by many retirees.

Add rent of ₱5,000 to ₱15,000 for a senior without an owned home or relatives providing housing, and the gap becomes even wider.

A senior spending ₱20,000 a month but receiving a ₱5,000 pension faces a ₱15,000 monthly shortfall. Over one year, that’s ₱180,000 that has to come from somewhere else.

THE PENSION GAP

The comparison becomes stark when placed side by side.

A ₱5,000 monthly pension could potentially cover only around a quarter of a ₱20,000 monthly budget.

Even a retiree receiving ₱10,000 would still need to find another ₱10,000.

This helps explain why retirement in the Philippines often remains a family affair.

Instead of becoming completely financially independent after leaving the workforce, many seniors continue depending on their children for groceries, medicines, utility bills and hospitalization expenses. Others keep working, operate small businesses or rely on savings accumulated during their working years.

For retirees without those resources, the situation can be far more difficult.

DISCOUNTS HELP — BUT THEY DON’T ERASE THE GAP

Filipino seniors do have important protections.

Under the Expanded Senior Citizens Act, qualified purchases and services including medicines, medical services, transportation and restaurant meals can receive a 20-percent senior citizen discount and applicable VAT exemption.

Senior citizens are also covered by PhilHealth under existing law, providing another layer of protection against healthcare expenses.

Indigent senior citizens may additionally qualify for the government’s Social Pension for Indigent Senior Citizens.

These benefits can substantially reduce expenses. But discounts do not eliminate expenses altogether.

A discounted medicine still has to be paid for. Electricity bills, groceries and housing costs still arrive every month.

SSS WAS NEVER MEANT TO BE THE ONLY PLAN

Perhaps the biggest misconception about retirement is treating an SSS pension as a complete retirement fund rather than one component of retirement income.

For younger workers, the lesson is uncomfortable but important: contributing to SSS provides valuable protection, but depending exclusively on the eventual pension could mean accepting a dramatically lower standard of living in retirement.

SSS itself has expanded supplementary retirement options such as the voluntary MySSS Pension Booster, allowing members to accumulate additional retirement savings on top of their regular benefits.

Personal savings, investments, property, private pensions and other income sources therefore become increasingly important.

Because the arithmetic of retirement is unforgiving.

A Filipino can spend 30 or 40 years working, finally receive a pension — and discover that one month’s benefit may barely cover one trip to the supermarket and pharmacy.

The SSS pension remains an essential lifeline for millions of Filipino retirees.

But in today’s Philippines, a lifeline and a living wage are two very different things.

(✍️: Top Dagohoy)

#radarPHBusiness #radarPH

No light at the end of tunnel.

WAKE UP, PHILIPPINES.

While politicians are busy with impeachment, alliances and the next political fight, the economy is slowing down.

GDP growth fell to 2.3% in Q2 2026, the weakest in five years. Construction dropped 14.8%. Investment has declined for four straight quarters.

At the same time, corruption involving flood-control projects may have cost the economy as much as ₱118.5 billion.

And yet every rainy season, we still get the same thing: baha, traffic, ayuda, investigation, hearing, repeat.

Win or lose in the impeachment trial, politicians will move on. The Filipino people still have to deal with higher prices, fewer jobs, weaker investment and floods that keep destroying homes and livelihoods.

Enough of the political circus.

Jail the corrupt. Recover the money. Fix flood control. Create jobs. Grow the economy.

Government is not a teleserye, and taxpayers are not an unlimited source of funding.

Wake up, Philippines. Hold them accountable. And pray for this nation.

CHANGE OF HEART IS WHAT EVERY CORRUPT POLITICIAN NEEDS.

Everything I Own by Bread 1972

You sheltered me from harm
Kept me warm, kept me warm
You gave my life to me
Set me free, set me free
The finest years I ever knew
Were all the years I had with you

And I would give anything I own
I'd give up my life, my heart, my home
I would give everything I own
Just to have you back again

You taught me how to love
What it's of, what it's of
You never said too much
But still you showed the way
And I knew from watching you

Nobody else could ever know
The part of me that can't let go

And I would give anything I own
I'd give up my life, my heart, my home
I would give everything I own
Just to have you back again

Is there someone you know
Your loving them so
But taking them all for granted?
You may lose them one day
Someone takes them away
And they don't hear the words you long to say

I would give anything I own
I'd give up my life, my heart, my home
I would give everything I own
Just to have you back again
Just to touch you once again.

08132026 thu makulimlim

Nakadumi si mama

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Ganda office

Nagpaandar ng motor umandar 4 min.

Nang inulit klak klak na naman.

For try bukas.

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lunch

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Sec Dizon kaya mo pa yan.

A Nation Drowning in Its Own Waste

- Dr. Tony Leachon 

The photo says it all — a river suffocated by garbage, a mirror of a country gasping under the weight of neglect.

When Public Works Secretary Vince Dizon called it a “garbage crisis,” he wasn’t just talking about trash. He was describing the rot of leadership itself.

We face not one, but four crises — each feeding the other:

• Leadership crisis — where vision is replaced by vanity.

• Governance crisis — where systems fail and accountability disappears.

• Flood control crisis — where billions are spent, yet cities drown.

• Healthcare crisis — where PhilHealth collapses and hospitals beg for survival.

This is not just environmental decay — it’s moral decay.

Every plastic bottle floating in that river is a symbol of promises broken, budgets misused, and futures discarded.

We are not short of engineers, doctors, or thinkers.

We are short of leaders who care — leaders who see governance not as power, but as stewardship.

Until we clean our conscience, we will never clean our rivers.

#GarbageCrisis #LeadershipFailure #GovernanceMatters #HealthWithHonor #Philippines2026

Tony Leachon

08122026 wed mci

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Punta mci follow-up check up.

Php12+13 pamasahe mci.

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10:43am done check up.

11:15am naka uwi.

Pa check up mama Dina sa St dominic

Hinatid sundo ni edison

Sundo dalawa

Php39 tf

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To live without regrets.

to live without regrets. 

Those words have always been my strength and a part of who I am. I have lived by them, carried them with me, and always stood by them. But during my four years of college, I learned that perhaps, living without regrets isn't entirely possible. 

Because regrets are reminders that you tried, that you learned, and that you evolved into a better version of yourself. 

Now that I have finished and survived those four years, I can say that those years shaped me into someone sharper, more driven, and more focused on my goals and dreams. There were so many challenges that came my way, and looking back, I'm thankful that all of them happened because I wouldn't have become the woman standing in this picture today without them. 

All those sleepless nights. Learning new things independently that I had never known before. Disciplining myself to wake up very early and stick to my schedule. And going through situations that constantly tested me. 

There were times—and, honestly, I think most of the time—when I knew within myself that I could do better than what I was doing. I put so much pressure on myself. As a panganay, there were so many expectations, and a lot of them weren't created by other people, but by me. 

But I learned that what matters most is the moment, and knowing within myself that I did my very best. 

These four years also made me realize what matters most to me: making my family proud. 

And for that, thank you. 

To my family—to my Papa, who is always ready whenever I need something, no matter how far away you are or what time it is. To my younger brothers, kahit na medyo nai-stress ako sa inyo, you both became one of my biggest reasons to keep going and to strive to be a good role model for both of you. To my Lolos and Lolas, who have supported me throughout these years with your advice and guidance. To my Tita Snooky, for being my second mom and for always making me feel like my feminine self. And to my Tita Vicky, who has been one of my biggest inspirations and my strength to never give up on my dreams. 

To my BFF, Dia, my number one supporter. Alam mo 'yan, Ma. We've been through thick and thin, and we've always been there for each other through our highs and lows. Thank you for growing with me and for being there through every version of me. 

To my HS friends, thank you for keeping me sane during stressful exam weeks and hell weeks. Although we've taken different paths, you have never failed to be there for each other, kahit ang hirap mag-schedule sa isa't isa. I'm grateful that no matter how busy life gets, our friendship remains. 

And to my college friends, who became my newfound and forever home. We have seen each other through our ups and downs—from crying because we were scared of what our grades would be like, to praying and begging in front of the church, to celebrating each other's successes. 

And above all, to You, Lord. Thank You for carrying me through these four years. For every prayer You heard, even the ones I could only whisper. For every sleepless night, every moment of doubt, every disappointment, and every time I felt like I wasn't doing enough. Thank You for allowing me to experience all of it—the victories, the failures, the lessons, the tears, and the growth. Every part of this journey brought me closer to the person You wanted me to become. 

We've seen each other struggle, grow, fail, and make it through. 

I love you guys. 

And to the version of me who started these four years ago: you made it. 

And maybe that's what "to live without regrets" really means, not living a life without mistakes or things you wish you could have done differently, but living a life knowing that you gave it everything you had. 

I wouldn't change a thing. 

Because every sleepless night, every disappointment, every lesson, every tear, and every little victory brought me here. 

A woman I am proud to be. 

To live without regrets. 🎓 

EMERYN ROSE C. TORRIJOS 

2023***64 

Bachelor of Science in Nursing 

Batch 2026

08112026 tue

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visit Richard

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Sukat ng baha 08092026.

Ppp

Worthy of the title.

Many weeks ago, I attended the PUP Hard Hatting and Pinning Ceremony Batch 2 to deliver the closing message. Hindi ako magyadong nag-stay sa ceremony because I have to meet people in the Main Campus since paminsan-minsan na lang tayo nakakapunta ng Main.

Interestingly, when it is my time to talk, biglang tumahimik ang lahat, including ang mga naka-puting incoming 4th years na mukhang member ng catering group. Others are taking pictures and videos. Mukhang seryoso sa pakikinig pati mga parents at nagpanggap na parents nila.

So since sa Batch 2 lang ako nag-speak, sharing here the complete speech (without adlibs) for all student to know bakit hindi ako fan ng hard hatting and pinning ceremony na pinapauso ngayon sa CEA.

Read on...

--

𝗪𝗼𝗿𝘁𝗵𝘆 𝗼𝗳 𝘁𝗵𝗲 𝗧𝗶𝘁𝗹𝗲

𝘾𝙡𝙤𝙨𝙞𝙣𝙜 𝙍𝙚𝙢𝙖𝙧𝙠𝙨

𝙋𝙐𝙋 𝙀𝙀 𝙃𝙖𝙧𝙙 𝙃𝙖𝙩𝙩𝙞𝙣𝙜 𝙖𝙣𝙙 𝙋𝙞𝙣𝙣𝙞𝙣𝙜 𝘾𝙚𝙧𝙚𝙢𝙤𝙣𝙮

𝘽𝙪𝙡𝙬𝙖𝙜𝙖𝙣𝙜 𝘾𝙡𝙖𝙧𝙤 𝙈. 𝙍𝙚𝙘𝙩𝙤

16 𝙅𝙪𝙡𝙮 2026

I have a confession to make.

I'm not a big fan of ceremonies like this.

I don't believe a pin makes you an engineer. I don't believe wearing a hard hat makes you ready for the profession. And I certainly don't believe that titles are earned because we stood on a stage and had our pictures taken.

But before you think I'm against today's celebration, let me explain.

I believe ceremonies are meaningful only when they remind us of something far greater than the ceremony itself. They should not celebrate what we have already become; they should remind us of what we have yet to earn.

Today, you did not become engineers. Today, you accepted the challenge of becoming one.

That thought reminded me of something from my own days here at PUP.

Twenty-two years ago, in 2004, I was the News Editor of The Engineering Spectrum, the official student publication of the College of Engineering. In our first issue that year, a Computer Engineering freshman named Tim Nabong submitted a poem entitled "Mahirap Maging Superhero."

More than two decades have passed, but I think its message remains as relevant today as it was then.

Allow me to read it.

𝑀𝑎ℎ𝑖𝑟𝑎𝑝 𝑀𝑎𝑔𝑖𝑛𝑔 𝑆𝑢𝑝𝑒𝑟ℎ𝑒𝑟𝑜

𝑁𝑖: 𝑀𝑜𝑇𝑖

𝑀𝑎ℎ𝑖𝑟𝑎𝑝 𝑑𝑎𝑤 𝑚𝑎𝑔𝑖𝑛𝑔 𝑒𝑠𝑡𝑢𝑑𝑦𝑎𝑛𝑡𝑒

𝐿𝑎𝑙𝑜 𝑛𝑎 𝑝𝑎𝑔 𝐸𝑛𝑔𝑖𝑛𝑒𝑒𝑟𝑖𝑛𝑔 𝑛𝑎 𝑘𝑙𝑎𝑠𝑒

𝐷𝑎ℎ𝑖𝑙 𝑠𝑎 𝑝𝑢𝑦𝑎𝑡, 𝑝𝑢𝑟𝑔𝑎 𝑘𝑎 𝑠𝑎 𝑘𝑎𝑝𝑒

𝑆𝑎𝑤𝑎 𝑠𝑎 𝑘𝑎𝑘𝑎𝑟𝑖𝑛𝑖𝑔 𝑛𝑔 "𝑘𝑎𝑦𝑎 𝑚𝑜 '𝑦𝑎𝑛 𝑝𝑎𝑟𝑒!"

𝐹𝑖𝑟𝑠𝑡 𝑦𝑟. 𝑡𝑜 𝑠𝑒𝑐𝑜𝑛𝑑 𝑦𝑟., 𝑜𝑘𝑒𝑦 𝑜𝑘𝑒𝑦 𝑝𝑎 𝑟𝑎𝑤

𝑇ℎ𝑖𝑟𝑑 𝑦𝑟. 𝑡𝑜 𝑓𝑜𝑢𝑟𝑡ℎ 𝑦𝑟., ℎ𝑢𝑚𝑎𝑛𝑑𝑎 𝑛𝑎𝑛𝑔 𝑚𝑎𝑔𝑖𝑛𝑔 ℎ𝑎𝑙𝑖𝑚𝑎𝑤

𝑃𝑒𝑟𝑜 𝑝𝑎𝑔 𝑓𝑖𝑓𝑡ℎ 𝑦𝑟., 𝑑𝑖 𝑚𝑜 𝑛𝑎 𝑎𝑙𝑎𝑚 𝑎𝑛𝑔 𝑔𝑎𝑏𝑖 𝑠𝑎 𝑎𝑟𝑎𝑤

𝑀𝑎𝑛𝑔𝑎𝑛𝑔𝑎𝑦𝑎𝑦𝑎𝑡 𝑘𝑎 𝑘𝑎ℎ𝑖𝑡 𝑝𝑎 𝑖𝑘𝑎𝑤 𝑎𝑦 𝑚𝑎𝑡𝑎𝑘𝑎𝑤

𝐾𝑎𝑦𝑎 𝑘𝑎𝑖𝑙𝑎𝑛𝑔𝑎𝑛 𝑑𝑎𝑤 𝑔𝑎𝑦𝑎ℎ𝑖𝑛 𝑠𝑖 𝑆𝑢𝑝𝑒𝑟𝑚𝑎𝑛

𝐿𝑖𝑝𝑎𝑟𝑖𝑛 𝑎𝑛𝑔 𝑚𝑔𝑎 𝑏𝑎𝑔𝑎𝑦 𝑛𝑎 𝑑𝑎𝑝𝑎𝑡 𝑚𝑎𝑘𝑎𝑚𝑡𝑎𝑛

𝑂 𝑘𝑎𝑦𝑎 𝑛𝑎𝑚𝑎𝑛 𝑎𝑦 𝑠𝑖 𝑆𝑝𝑖𝑑𝑒𝑟𝑚𝑎𝑛

𝐼𝑠𝑎𝑝𝑜𝑡 𝑎𝑛𝑔 𝑙𝑎ℎ𝑎𝑡 𝑛𝑔 𝑑𝑎𝑝𝑎𝑡 𝑝𝑎𝑔-𝑎𝑟𝑎𝑙𝑎𝑛

𝐾𝑢𝑛𝑔 𝑘𝑢𝑙𝑎𝑛𝑔 𝑝𝑎, 𝑝𝑎𝑡𝑖 𝑛𝑎 𝑠𝑖 𝐵𝑎𝑡𝑚𝑎𝑛

𝑀𝑎𝑔-𝑎𝑟𝑎𝑙 𝑠𝑎 𝐵𝑎𝑡𝑐𝑎𝑣𝑒 𝑘𝑢𝑛𝑔 𝑘𝑖𝑛𝑎𝑘𝑎𝑖𝑙𝑎𝑛𝑔𝑎𝑛

𝑌𝑢𝑛𝑔 𝑖𝑏𝑎 𝑛𝑔𝑎 𝑝𝑎𝑡𝑖 𝐷𝑎𝑟𝑛𝑎 𝑝𝑖𝑛𝑎𝑡𝑢𝑙𝑎𝑛

𝑁𝑖𝑙𝑢𝑙𝑢𝑙𝑜𝑛 𝑛𝑎 𝑎𝑛𝑔 𝑙𝑖𝑏𝑟𝑜 𝑝𝑎𝑔 𝑛𝑎ℎ𝑖ℎ𝑖𝑟𝑎𝑝𝑎𝑛

𝐾𝑎𝑦𝑎 𝑛𝑔𝑎 𝑚𝑎ℎ𝑖𝑟𝑎𝑝 𝑝𝑎𝑔 𝐸𝑛𝑔𝑖𝑛𝑒𝑒𝑟𝑖𝑛𝑔 𝑆𝑡𝑢𝑑𝑒𝑛𝑡 𝑘𝑎

𝑃𝑒𝑟𝑜 𝑠𝑢𝑙𝑖𝑡 𝑛𝑎𝑚𝑎𝑛 𝑝𝑎𝑔 𝑔𝑟𝑢𝑚𝑎𝑑𝑤𝑒𝑦𝑡 𝑘𝑎 𝑛𝑎

(𝑂 𝑘𝑎𝑦𝑎 𝑝𝑎𝑔𝑘𝑎𝑝𝑎𝑠𝑎 𝑛𝑔 𝑏𝑜𝑎𝑟𝑑 𝑒𝑥𝑎𝑚𝑠 𝑝𝑎𝑟𝑎 𝑠𝑎 𝑖𝑏𝑎)

𝐾𝑎𝑠𝑖 𝐸𝑛𝑔𝑖𝑛𝑒𝑒𝑟 𝑘𝑎 𝑛𝑎... 𝑆𝑢𝑝𝑒𝑟ℎ𝑒𝑟𝑜 𝑘𝑎 𝑝𝑎!

Twenty-two years have passed; engineering has changed. Technology has changed. The world has changed.

But one thing has remained exactly the same.

Engineering is still difficult. It still demands discipline. It still humbles brilliant people. It still teaches us that talent, beauty, and handsomeness are never enough.

And this is why I began by saying that I don't believe in ceremonies.

If today's ceremony gives you the impression that you've already arrived, then it has failed you.

But if today's ceremony reminds you that the hardest—and most meaningful—part of your journey begins tomorrow, then today has been worthwhile.

As someone who now works as an engineer, a researcher, a writer and editor, a leader and manager, and an educator, let me tell you something that the profession has taught me for the last 17 years.

Electricity does not care how confident you are. It does not care how many people applauded today. It does not care how many pictures were taken or how many reactions your post receives online.

Electricity responds only to sound engineering, careful calculations, ethical decisions, and competent professionals.

One mistake in our profession can cost millions of pesos. One mistake can interrupt power to an entire community. One mistake can cost a life.

That is why competence matters more than appearances, ego, and self-interest.

So, wear your pin—not as a badge that says, "I have arrived," but as a reminder that you still have so much to learn.

Wear your hard hat—not because it makes you look like an engineer, but because one day you will carry the responsibility of ensuring other people's safety.

The real pinning happens when your integrity is tested. The real hard hatting happens when people begin to trust your decisions.

And the real celebration comes on the day you earn the privilege of writing RME, REE, or perhaps even PEE after your name—not because someone placed a pin on your chest, but because your competence, your character, and your commitment have earned society's trust.

So let me leave you with this: 𝙙𝙤𝙣'𝙩 𝙨𝙩𝙧𝙞𝙫𝙚 𝙩𝙤 𝙡𝙤𝙤𝙠 𝙡𝙞𝙠𝙚 𝙚𝙣𝙜𝙞𝙣𝙚𝙚𝙧𝙨. 𝙎𝙩𝙧𝙞𝙫𝙚 𝙩𝙤 𝙗𝙚𝙘𝙤𝙢𝙚 𝙚𝙣𝙜𝙞𝙣𝙚𝙚𝙧𝙨 𝙬𝙤𝙧𝙩𝙝𝙮 𝙤𝙛 𝙩𝙝𝙚 𝙩𝙞𝙩𝙡𝙚.

Congratulations to all our incoming fourth-year Electrical Engineering students.

I look forward to the day when I no longer call you our students, but our fellow engineers.

Good luck and may God always keep everyone in the palm of His hands.

Maraming salamat at magandang hapon sa inyong lahat.

#tatakmadam

08102026 mon may baha pa.

Php535 jolibee libre cris

Wfh ganda sira laptop ayaw bumukas.

Pogi - Vl baha

Grabe ang mopping ko simula umaga hanggang hapon.

2x roof deck may tagas ang tubig. Nag add ng sealant.

1x 2nd floor jp at ganda room - tumutulo sa may aircon both.

2x 1st floor sa may lagermania

Remedyo naglagay ng bagong plastic, tinape at inubos na yung sa may sealant sa glass portion.

Nagsabon at nag mop sa kabila [ binaha ]

Mama Dina di makalakad.

Pogi nag gym with Melvin.

Php24 + 26 pamasahe

Alas Pilipinas v team silver.

All things must pass by George Harrison

Sunrise doesn't last all morning

A cloudburst doesn't last all day

Seems my love is up

And has left you with no warning

It's not always gonna be this grey

All things must pass

All things must pass away

Sunset doesn't last all evening

A mind can blow those clouds away

After all this my love is up

And must be leaving

But it's not always going

To be this grey

All things must pass

All things must pass away

All things must pass

None of life's strings can last

So I must be on my way

And face another day

Now the darkness only stays at night time

In the morning it will fade away

Daylight is good

At arriving at the right time

But it's not always going

To be this grey

All things must pass

All things must pass away

All things must pass

All things must pass away

08092026 sun still baha

Php

Pilitin mong wag mawalan.

Ppp

Pagkalugi.

Paano Nalugi ang Negosyanteng May 1,000 Customers? Isang Desisyon Lang ang Sumira sa Kanya.

Maraming negosyante ang takot magtaas ng presyo.

At iyon mismo ang dahilan kung bakit unti-unti silang nalulubog sa utang.

Araw-araw may pumapasok na benta.

Maraming customer.

Busy ang negosyo.

Pero kapag dumating ang bayaran ng supplier, renta, sweldo, kuryente, at iba pang gastusin, kulang pa rin ang pera.

Masakit isipin na buong araw kang pagod, pero wala kang naiipon.

Mas nakakatakot kapag tumataas na ang presyo ng mga hilaw na materyales pero pareho pa rin ang presyo ng binebenta mo dahil natatakot kang mawalan ng customer.

Ang hindi nakikita ng maraming negosyante ay ito:

Kapag hindi ka nagtaas ng presyo habang tumataas ang gastos, ikaw ang sumasalo ng lahat ng dagdag gastos.

Hindi customer mo ang nagbabayad.

Ikaw.

At habang tumatagal, kinakain ng inflation, pagtaas ng sahod, pagtaas ng renta, at pagtaas ng presyo ng raw materials ang iyong kita.

Doon nagsisimula ang cycle ng utang.

Kulang ang cash flow.

Mangungutang para makabili ng stocks.

Mangungutang para pambayad sa supplier.

Mangungutang para sa sweldo.

Hanggang isang araw, hindi mo na napapansin na nagtatrabaho ka na para bayaran ang mga utang mo imbes na para palaguin ang negosyo.

Ang mas nakakatakot?

May mga negosyong maraming customer pero nalulugi.

May mga negosyong mataas ang sales pero walang pera sa bangko.

May mga negosyanteng sampung taon nang pagod pero hindi pa rin makaalis sa pagkakautang.

Hindi dahil kulang ang sipag.

Kundi dahil takot silang singilin ang tunay na halaga ng kanilang produkto.

5 Para Malampasan Ito

Alamin ang totoong costing ng produkto.

Isama ang lahat ng gastos sa pricing.

Magtaas ng presyo batay sa value, hindi sa emosyon.

I-communicate sa customer kung bakit may price adjustment.

Mas matakot malugi kaysa mawalan ng maling customer.

Tandaan:

Ang customer na aalis dahil sa makatwirang price increase ay kadalasang hindi ang customer na magpapayaman sa negosyo mo.

Pero ang negosyanteng hindi marunong magtaas ng presyo kapag kailangan, madalas siyang napipilitang mangutang para mabuhay ang negosyo.

At ang pinakamahal na presyo na babayaran mo ay hindi ang pagkawala ng customer.

Kundi ang pagkawala ng cash flow, profit, at kalayaan mo bilang negosyante.

#PresyoNaMayLakas

#ProfitBagoPride

#NegosyongMayMargin

#CashFlowHindiLangSales

Tandaan sa pagpapagawa ng bahay.

Sa pagpapagawa ng bagong bahay,ito yung mga pinaka dapat iwasan para hindi sumakit ulo at bulsa mo.

1. MGA DAPAT IWASAN SA USAPAN AT KONTRATA

1. "Basta tiwala lang, walang kontrata" 

   Kahit kamag-anak pa. Dapat may nakasulat: scope, presyo, deadline, materials, payment terms. Dito nagsisimula 90% ng gulo.

2. Full payment sa umpisa  

   Standard lang 20-30% down. Tapos bayad per progress: poste, bubong, finishing. Pag binigay mo lahat agad, tatamarin na yan.

3. Malabo yung scope 

   "Bahay lang" hindi pwede. Dapat nakalista: kasama ba tiles? kisame? pintura? gripo? pintuan? Para walang "ay extra po yan sir"

4. Hindi nagpa-quote sa 3  

   Magkaiba ng ₱200,000 minsan presyo ng kontratista. Magkumpara ka muna.

2. MGA DAPAT IWASAN SA TRABAHO AT MATERYALES

5. Pipili ng pinakamurang bid agad  

   Mura nga, pero tipid sa bakal, semento, at tao. 2 years sira na. Tingnan mo rin gawa nila dati.

6. Hindi binabantayan yung foundation at bakal 

   Ito pundasyon ng bahay. Iwasan yung "kulang ng 2 bakal" o "binawasan ng semento". Dapat tama yung sukat at halo. Dito tumitibay sa lindol at bagyo.

7. Sobra tipid sa waterproofing at drainage  

   maulan + bagyo. Pag hindi maganda yung bubong, kanal, at waterproofing sa CR/banyo, babahain at tutulo yan in 6 months.

8. Hindi nag-iwan ng "as-built" at resibo

   Itabi mo lahat ng plano at resibo ng materyales. Pag nagpaayos ka ulit 5 years from now, mahihirapan electrician/plumber.

3. MGA DAPAT IWASAN SA PERA AT TAO

9. Nagpapautang sa mga gagawa

   "Manong pa-advance muna pambili bigas" Pag nasanay, lagi na may advance. Mahirap na singilin.

10. Pabago-bago ng design habang ginagawa  

    "Dagdag tayo isang bintana" "Gawin nating 2 palapag" Ang mahal ng change order. Finalize mo muna plano bago magsimula.

11. Walang budget para sa "hidden costs" 

    Maglaan ka ng 10-15% extra. Para sa permit, kuryente, tubig, basura, sobrang materyales. Lagi may nadadagdag.

12. Nagmamadali pero walang pumipirma  

    Dapat may foreman/projekt manager na kausap mo lang. Hindi yung iba-iba kausap mo per araw.

GOLDEN RULES

1. "Labor Only na Pakyaw"- pinaka safe. Ikaw bibili materyales, sila labor. Kontrolado mo gastos.

2. Picture/video araw-araw - Para may record ka ng progress at kung may tinago sa loob ng pader

3. Huwag mahiyang magtanong - "Manong bakit 6 lang bakal dito dapat 8?" Normal yan.

*Pinaka importante:* Ang bahay, 20-30 years mong titirhan. Mas ok gumastos ng konti ngayon sa tama, kesa magpaayos ulit after 3 years.

#newhouse #homeownership #construction #DapatIwasan #NOTED #guide