Blessing Prayer in a Time of Sickness

Lately some of my friends are getting sick. One is stricken with cancer and a handful are hospitalized due to stress related issues. As I browse my Catholic Digest an article by Edward Hayes caught my attention. I decide to share an excerpt of his book specifically the "Blessing Prayer in a Time of Sickness".

If you or your love ones suffer from any illness say this prayer:
Lord of health and wholeness,
your servant________________(name)
now lies sick
and desires to be restored
to the balance of good health.
Hear, O Lord, our prayers
For the healing of him/her
whom we love so much.

Remove from him/her this illness
so that, fully recovered
and restored to health,
he/she may return
with renewed zeal
to the daily life that we share.

Catholic Digest January 2009 issue page 111.

Pre-need Demons

My teeth gnashes in anger as I heard the news that three pre-need companies declared bankruptcy without any warning to their planholders. Legacy Plans, scholarship Plans and All Asia Plans announced that they can not meet anymore their obligations.
Nobody from these companies held a press conference and apologize to the public. Instead thru their media they are blaming the Security and Exchange Commission (SEC) and the current economic recession as the culprit.
These people are the personification of Beelzebul. How can they stomached to milked the money of hardworking Filipinos for the past years? The middle class are their primary customers who skipped a little luxury in life in order to pay the premiums with the hope of providing good education for their children. Don't they feel the pain?
The SEC is incompetent in the sense that they did not monitor strictly these pre-need companies. They deserved to be fired because they failed to protect the interest of the people.
Just like the case of CAP and Pacific plans nobody will go to jail on this latest mess.
These pre-need companies are highway-robbers who inflicted the highest form of injustice. They kill hopes and dreams.
They deserve to rot in jails.

6 Eternal Truth on Investing

1. Live within your means or below it.
2. Never use a credit card and avoid the plague it is.
3. Borrow money only for education and housing purpose.
4. Never invest in stocks with the money intended for food and next years college tuition.
5. Invest money only if you have 3 months cash reserve.
6. Invest money that you will not use for the next 10 years. It will give you enough time to defeat the bear and earn a decent profit.

ATENEO MBA ALUMNI BATCH 2001

MASTER IN BUSINESS ADMINISTRATION - 233 graduates
(STANDARD PROGRAM BATCH 2001)
ADAPON, GLORIA M.
ADOREMOS, MA. ZARAH B.
AGUILA, RANDOLPH Q.
AGUSTIN, ERWIN C.
ALARCON, RUBINA R.
ALCANTARA, IMELDA C.
ALCARAZ, MARIE GRACE L.
ALVAREZ, EDWIN C.
ANCENO, EDGAR P.
ANG, ELEANOR GRACE T.
AQUINO, ANN MARIE JARDIN P.
ARAÑES, MARY CLARE B.
ARMADA, LETICIA C.
ARROJADO, ALLAN R.
ASI, MARIA CECILIA M.
ATENCIO, FRANKLIN G. JR.
BADINAS, ERLINDA V.
BALCOBA, MARIA EDITHA B.
BALISACAN, ELMER B.
BAÑARES, RUBYROSA G.
BARCELONA, GENARO P.
BARCENA, JAN ARVIN S.
BATARA, MONICA EMELDA T.
BAUTISTA, ANDRE JOSE C.
BELTRAN, JOANNA C.
BISCOCHO, EDNA G.
BONGALA, SAMMY E.
BONGCAS, GIOVANNI D.
BULATAO, MICHAEL PHILIP M.
BUNYI, MARK ANTHONY V.
CABAÑES, FATIMA MARCIA S.G.
CABER, ANNA MARIE A.
CABRERA, MARIA CARIDAD O.
CADELIÑA, ARNEL L.
CANTO, ROWENA M.
CARANDANG, FLORENCIO R.
CARTONEROS, CYBELE B.
CARVAJAL, MARIA THERESA M.
CASIÑO, MARIE PATRICIA G.
CASTILLO, ANGELITA A.
CATALAN II, EMMANUEL M.
CATINDIG, VERONICA T.
CHAN, NELSON S.
CHEN, HIRONG
CHOA, ALLAN T.
CHUA, MARY GRACE L.
COCHIEN, HEINRICH YOKOGERI S.
CORTEZ, DOLOR S.
CUSI, FERLIZA P.
DATU, MARIA NOREEN N.
DE GUZMAN, ERLINDA B.
DE GUZMAN, MAUREEN CECILIA T.
DE LEON, CHERYL S.
DE OCAMPO, FR. HENRY C.
DELA ROSA, TEODORA B.
DELLOMAS, BONIFACIO N. JR.
DE VERA, DENNIS I.
DIAZ, JOEL N.
DIAZ, MARY RACHELL R.
DINEROS, CHERYL R.
DOMINGO - GONZALES, ROMINA PRISCILLA F.
DOROS, EDWARD R.
DUFOURNAUD, MARIA DOLLY B.
EKO SUSETYO, KURNIAWAN
EUSTAQUIO, AILEEN R.
EVANGELISTA, MA. COLEEN B.
EVANGELISTA, MARY RUTH E.
FERNANDO, JOEL S.
FINEZA, MA. ANTONIA T.
FLORES, BARBARA KAREN T.
FONTANILLA, MARISSA M.
FRANCISCA, LAMSARULLY JUDITH
FUNELAS, HERBERT E.
GAAC, SOCORO CARIDAD L.
GAGATIGA, JENNELYN A.
GAJISAN, MARIA ELENA A.
GALVAN, JESUS G.
GARCIA, ANNA LIZA E.
GIRON, REGINALD R.
GO, JENNIFER C.
GOC - ONG, JUDITH T.
GOH, RAZIEL B.
GOMEZ, VITUS GERALD Z.
GOSECO, GERARDO ALFONSO S.
GUERRERO, JANET P.
GUERRERO, MARY JANICE C.
GUEVARRA, NOVA A.
GUEVARRA, ROMELA V.
GUZMAN, EMILIANO A.
HERMANO, JOHN O.
HIPOLITO, BONITA M.
HIPOLITO, HELEN J.
HIZON, KRISTINE A.
HUSSAIN, MAQBOOL
IBE, MILAGROSA D.
JACOBA, JANINA ROSA V.
JALBUENA, LAURA MARY ALLEN D.
JAVIER, ALBERTO FERNANDO A.
JAVIER, JOSEPHINE D.
JOAQUIN, ROSENDA RHODA C.
KILALA - MURALLON, BRENDA C.
KING, ULYSSES S. JR.
LAMADRID, PAOLO R.
LAO, ALEXANDER M.
LAYUG, JENNIFER N.
LEDESMA, MARIA KATRINA SELINA L.
LEE, MICHAEL GEORGE M.
LEYNES, MAIAH ANGELA R.
LI, HUI MIN
LIM, JOHN HUI KIANG N.
LINGAD, ENRICH H.
LIUSON, JOYCE C.
LOPEZ, MYRA V.
LOSTE II, AUGUSTUS ROMUALDO D.
LUIS, CATLEYA S.
LUNA, JOY C.
MADLANGBAYAN, MELANIE S.
MAGANA, LIZA LIBERTINE L.
MAGBAYAO, DONALD M.
MAGDALENA, NINA MARIA
MAGLALANG, AMILLIE A.
MAGNO, ELFIN JAY E.
MAGTOTO, ARIEL L.
MALACCA, SANTIAGO S.
MALLO, MELVIN P.
MAMIIT, NOEL M.
MANALANG, JO - ANN MARIE C.
MANALAYSAY, ELIZA R.
MANALO, CRISELDA K.
MANALO, VINCENT PHILIP P.
MANAS, EDUARDO G. JR.
MANCILLA, DENNIS G.
MANGUERRA, RHODA C.
MANIO, ROWENA JOY D.
MANUEL, RUEL A.
MANUEL, SAHLEE RUTH S.
MARCELINO, ORLANDO ANTHONY C.
MARTIN, ENRIQUE R.
MASAGCA,IVEE R.
MEDIODIA, NOEL G.
MENDOZA, JENNIFER H.
MENDOZA, MARY MABEL L.
MIJARES, MA. VINA PAMELA M.
MIRALLES, GILBERT F.
MONTE, MARIBEL V.
MORALES, EDEN D.
MORENO, HAZEL S.
MORENO, MHELISSA A.
MUSTERA, MA. CORINNA U.
NACIANCENO, RENE S.
NAPIGKIT, ALFIE P.
NAVARRA, JINA P.
NEPOMUCENO, NILO PAUL H.
NIEVA, MARIA LUISA O.
ONG, COLETTE H.
ORDOÑEZ, CAESAR M.
ORDOÑEZ, JONATHAN S.
ORTIGAS, RAFAEL B.
PADILLA, RAQUEL G.
PALAD, BRENDA ROSELLA E.
PALENZUELA, MARILOU ANN F.
PALISOC, MARY ROXAN L.
PALO, PHILIP MARTIN P.
PAN, ARLYN V.
PANGALANGAN, FAY ANN A.
PANGCOG, MELVIN L.
PARAYNO, CARMINA RAISSA S.
PASIMIO, GEMMA RITA CECILIA N.
PATIÑO, ELIZABETH V.
PAULINO, MONICA B.
PEÑA, EMILIANO D. JR.
PEREZ, YVONNIE G.
PUALENGCO, MARRIANNE S.
QUEBRATA, NERIZZA C.
QUINSAY, SOUCI HANNAH Q.
QUINTOS, ROBERTO B.
RAMOS, EVA MARIE S.
RANGA, FILOMENO M. JR.
RAYOS, CECILLIE T.
RAZAL, MARIA IMELDA S.
REJANO, VLADIMIR V.
RELONA, AMELIA
REYES, MA. LOURDES U.
RILLORAZA, MYLA U.
ROBEL, JOSEPH ERIC L.
RONQUILLO, MARY GRACE C.
ROSALDO, ALDINE H.
ROSALES, JOSEPH FERDINAND L.
RUFO, ROWENA O.
SAENZ, ELOISA MA. VICTORIA L.
SALVADOR, EMELBIN M.
SALVADOR, RODA C.
SANDOVAL, BERNADETTE C.
SAÑEZ, AMELOU T.
SANTOS, BERNARD R.
SANTOS, DONABEL B.
SANTOS, GISELA ILONA D.
SAYSON, MA. BELLA R.
SAYSON, MARIA ASSAMPTA C.
SIA, MARY JEAN R.
SIA, SUSAN ANGELI M.
SICAT, MA. RITA LUISA S.
SIMBULAN, LYNNE C.
SORIANO, PATRICIA B.
SOSA, MERLIE A.
SUAREZ - CONCEPCION, MA. RONORA
SUNTAY, MA. ANGELICA C.
TAALA - BUNTUA, CATHERINE
TAE SOON, KIM
TAN, JASON PETER P.
TAN, MARK LAWRENCE V.
TAN, ROCHELLE T.
TOLENTINO, ROWELL C.
TRINIDAD, LORENA C.
TRINOS, MARIE ANTONIETTE V.
VELASQUEZ, ROCHELLE D.
VELILLA, SHEILA MAE M.
VENERACION, MARIA GORDIANA K.
VICENCIO, RAOUL FERDINAND S.
VIGO, CHRISTINE S.
VILLENA, MA. VIVIENE L.
WIDYADMONO, VENANTIUS MARDI
WISCO, IVY JOY P.
WU, MEI - LI
YAM, MA. AMELIA AMORA
YANGA, MICHAEL S.
YBAÑEZ, CARINA M.
YU, ELMER J.
YU, MICHAEL S.
YU, ORLANDO B.
YUE SUI
ZARA, EMMANUEL G. JR.
ZARAGOZA, EDGAR A.

DECLARATION OF FINANCIAL EMPOWERMENT

There is a Declaration of Independence that every freedom loving people look forward to. It means to them freedom from colonial powers, tyranny or dictatorship. In the Philippines it was proclaim twice, in June 12, 1898 and July 4, 1945. Our country right after 1945 was never occupied again by foreign powers. But since independence day , we are still not free. Not of foreign dominations but of financial ignorance.
This new year, as my contribution to the Filipinos who would like to unshackle the chain of financial ignorance, I drafted the DECLARATION OF FINANCIAL EMPOWERMENT . The purpose of which as your guide and as my New Year’s gift to you.

DECLARATION OF FINANCIAL EMPOWERMENT
By: Arnel L. Cadeliña
1. I will find a job or create my own job as a starter to build wealth.
2. I will use my income to build my own house.
3. I will develop more skills to earn more, live within my means, save and invest not less than 10% of my income.
4. I will prepare early for my retirement by investing in diversified portfolio,
5. I will learn more about mutual funds and stocks.
6. I will teach my children on how to handle their finances.
7. I will support locally made products and competitive Filipino enterprises.
8. I will manage my budget and debt proactively.
9. I will not spend on things that are not needed in order to have a 3 months cash reserve.
10. I will always spend money that will have a positive impact on my family and my community.

(You may share this DECLARATION OF FINANCIAL EMPOWERMENT to all Filpinos you know around the world. Just acknowledge the author. You may e-mail me arnelcadelina@gmail.com )

Para sa QNHS section JPM get-together

CLOSING REMARKS
Ang high school daw ang pinakamasaya sa lahat kasi wala ka pang masyadong alalahanin sa buhay except lang magpacute sa crush at kung paano pagkakasyahin ang baon. Ang buhay natin sa Quezon High ay simple lang kasi mayroon tayong tinatawag na common denominator sabi ni Mr. Basañez. Ang pagkakatulad nating lahat ay galling tayo sa hirap. Maaring ilan sa atin ang may kaya ang pamilya noong panahon na iyon pero kung susuriin higit sa kalahati ang pumapasok na pamasahe lang ang baon.
Ang section na JPM ang mukha ng kabataang nagsisikap umahon sa kahirapan. Kung di ako nagkakamali lahat tayo pumasa sa NCEE. Lahat tayo ay nagsikap magaral sa kolehiyo, mayroon nag working student, mayroong pinagsabay ang kolehiyo at trabaho, at mayroong nagtrabaho muna bago nagkolehiyo.
Ang section na JPM ngayon ay iba na ang mukha. Bukod sa tayo ay tumaba at maaring tumaba din ang ating wallet. Pero ang hiling ko lang at maaring hiling ng lahat na sana ay huwag nating kalimutan ang ating pinanggalingan. Galing tayo sa hirap kaya dapat tayong tumulong sa nangangailangan.
Iba ang darating na 2009. Ito ang taon na madarama natin na ang ating kumpanyang pinagtratabuhan ay kaunti lang ang kikitain at kailangan nilang magtipid. Ang taong 2009 din ang taong ang mga negosyante ay madarama na ang kanilang customer ay kumokonti dahil din sa pagtitipid.
Ano ang kailangang gawin ng bawat isang JPM.
1. Sa mga kakaklase nating may negosyo huwag mahiyang humingi ng tulong sa bawat isa, Kung kailangan ninyo ng bagong customer sabihin sa yahoo group natin. Kung kailangan ng payo sa negosyo mag-email. Iwasan lang ang pag utang, alam nyo na ang resulta nyan pag hindi nagbayad. Huwag mahiyang i-announce kung anong klaseng negosyo mayroon ka at huwag ding mahiya na mag-endorse ng produkto.
2. Sa mga kakaklase nating nagtratrabaho sa mga kumpanya, doblehin ang sikap sa trabaho para hindi matanggal sa trabaho. Pumasok ng maaga at umuwi ng late. Laging bigyan ng impormasyon ang inyong mga boss para lagi kang maalala.
3. Pag mayroong bakanteng trabaho sa ating mga kumpanya, i-announce sa yahoo group. Tulungan natin ang naghahanap at maghahanap ng trabaho.
4. Pag mayroong parents, kapatid o sino mang mahal sa buhay na namayapa i-announce sa yahoo group para madalaw ng bawat isa. Mahigit na tayong 40, kailangan nating damahin ang pagmamahal ng bawat isa bago pa tayo tawagin.
5. Dapat mayroon tayong kumpletong directory ng bawat isa, Telephone number, cellphone number, address, kursong natapos o kung ano negosyo o expertise para madali ang ating komunikasyon.
6. Huwag kalimutan ang ating adviser na si mam JPM. Tayo lang ang nagpapasaya sa kanya. Lagi natin syang alalahanin kung mayroon tayong get-together.
7. Huwag nating kalimutan ang Quezon High. Kung kaya nating mag-ambagan ng P300 sa ating get-together, kaya din nating magdonate ng tig P200 sa isang taon para sa scholarship. Ang P8000 ay malaki ng bagay sa Quezon High.
Ang 2009 daw ang susubok sa katatagan ng bawat Filipino. Pero ang section JPM sigurado ako kaya natin itong lampasan, kasi galing tayo sa hirap at dahil ayaw na nating bumalik doon, nagigi tayong matapang na harapin ang anumang pagsubok sa buhay.
Salamat at mabuhay ang JPM!