Microfinance – A Hype or An Effective Financial Tool For the Poor?

  Is Microfinance an effective financial strategy to eradicate poverty particularly in developing economies? I would blog on this as briefly and pragmatic as possible, as some of you may know that this topic is quite broad and would require empirical data/analysis to support any findings and recommendations. In its simplest terms, microfinance involves extending loans to a group of borrowers or individuals, specifically the  marginalized sector of society involving poor people encountering difficulties to transact business with private and government banking institutions. In other words, these are the poor people throughout the world numbering over 1 billion living in rural areas … Continue reading Microfinance – A Hype or An Effective Financial Tool For the Poor?

Managing Post-Christmas and New Year’s Presentation – Tips and Thoughts

The first day of class after the Christmas break was something to look forward to. Just like me, the kids probably had a happy excited feeling about their post Christmas and New Year pageant, particularly those who were the main cast of the presentation. Before the play date, I was quite jittery, entertaining negative thoughts about classes being cancelled due to impending snow storms, and that  the play may no longer be pursued making us all frustrated. Anyway, I shunned the said negative tendencies and prepared myself for any eventualities. Come the big day, 9th of January, thank you God … Continue reading Managing Post-Christmas and New Year’s Presentation – Tips and Thoughts

Welcome 2011! – A Penny For Your Thoughts and A Way To Enjoy It!

  It’s mid-January and I am still in the process of reconciling my thoughts on which topic to blog first. Let me see. My first days of 2011 were actually a continuation of our tour and hotel escapades with my Fil-Aussie friend. Before we transferred to another hotel in the city, I had a green tea and a Chinese biscuit (hopia) for my New Year's breakfast. Since I was not feeling well due to the chilly and cold weather outside on New Year’s Eve, I had to take a natural Vitamin C in strip and a paracetamol which quickly replenished … Continue reading Welcome 2011! – A Penny For Your Thoughts and A Way To Enjoy It!

Good Bye 2010, What A Day To Close It! – Memories and Thoughts

It was the day before the brand New Year start! 31st of December to be exact, we were supposed to be with a close family friend to celebrate the night until the New Year’s Eve, as planned. A very close  buddy of mine, however, was on a brief holiday  vacation in NYC for the first time and I had to attend to and accompany her on tour related matters. I never expected that my last day of 2010 could be so hectic and mobile. At 11:00 am, I literally rushed to the hotel where my friend was billeted, just few hours from … Continue reading Good Bye 2010, What A Day To Close It! – Memories and Thoughts