NU12 - Serendipity Walk- Joseph Cunanan

Ateneo Innovation and Entrepreneurship "New ideas create more and better new products and services; create more wealth."

NU12- Serendipity Walk – Joseph Cunanan

I got the chance to walk through the busy street of San Andres Manila, and here are the list of small
scale businesses any entrepreneur can start up with:

Ukay Ukay
Videoke Bar
Gym
Sari Sari Store
Carinderia
Water Refilling Station
Parlor/ Barber Shop
Vulcanizing Shop
Laundry Shop
Internet Shop
Mini Talipapa (vegetables, meat, fish)
Bakery
Fruit Stand
Hardware Store
Kiosks on: corn, fruit juices, pizza, etc.3

NU 12- New Spending Habits- Joseph Cunanan

Ateneo Innovation and Entrepreneurship "New ideas create more and better new products and services; create more wealth."

New Spending Habits/ Routine

When I was still a college student, I said to myself that the moment I get my first job, I will and I must
be able to buy the things that I want, and on the side, I must be able to save a little amount of money
for emergency purposes. But as I grow older, I realized that as a wise person I must strike a balance
between buying & saving.

Before, I used to buy things that I want, but now I started to buy things that I need. Before I purchase a
product or service, I ask myself first the ff questions:

ü Is this something that I really need?
ü If I buy it, what benefits will I get it?
ü Are there things that I already posses that If I buy this particular product, it will
become redundant?
ü What’s the value for my money?
ü Are there alternative options in the market that are more reasonably priced?

The questions listed above helps me in making decision when I spend my money. I want to make sure
that all questions are satisfied because I believe that money spent, is a money lost. So I have to make
sure that I get the best value for my money.

Another thing that I started to change just recently is the way I use my credit card. The schemes offered
by major credit card companies like buy now pay later, 24-36 months payment instalment options with
0% interests and all the freebies and stuffs that go with it, are all exciting and enticing. I must admit that
I was able to invest on furniture and appliances using these schemes and I really love it; no regret. But
now, I promise to myself that I will only take advantage of this payment scheme for the things that I
really need, not for special gadgets or technology that soon will lose its lustre right even before I finish
paying for it.

In terms of saving habits, I will open an auto-debit savings account the moment I get my salary increase
in Feb 2013. I plan to save this amount every month so I have a spare amount of money to use for
emergency reasons. The good thing about this auto-debit process is its convenience and practicality.
Convenience because it will automatically be debited from my payroll account, practicality because you
can change the amount to be debited per month, following your own debit schedule, plus you can’t
withdraw the money without going to the local bank’s branch. This will encourage you not to withdraw
the money that you saved.

These are the major changes i wish to take in my spending habits for 2013. I wish to be able live up to
these changes and see the financial gains for myself.3

NU 12- New Attitude or Paradigm - Joseph Cunanan

Ateneo Innovation and Entrepreneurship "New ideas create more and better new products and services; create more wealth."

As 2013 starts anew, I tried to reflect on the things that happened in my life and list down that one
attitude that I wish to demonstrate purposively as I move on.

1999- 2003 – Finished my BS Psychology degree from PLM as a Cum Laude. This was my preparation for
the real world.

2004-2009 – I’ve worked as a CSR and eventually become a supervisor in a solution contact center. I’ve
met inspiring and great people. Learned skills set which made a portion of what I am today.

Feb 2010 – Moved to JPMorgan Chase as a supervisor for professional growth. I’ve worked with new
people, new process & a totally different type of industry which is banking. I’ve learned new skills set as
expected.

Nov 2010- Enrolled for MBA program. Again, I’ve met new and inspiring people. I became a student one
more time, BUT this time being able to apply what I’m learning from school and the actual work place.
Recitations, home works, group activities, papers, are part of my world again.

Feb 2011 – Promoted as an Operations Manager in JPM Chase. This is a turning point in my life.
Earned more. Moved out from my parents and get my own place. I’ve lived independently, faced new
challenges in my professional career. It’s a totally new set of expectations from family, peers and close
friends.

Now- Engaged with my fiancé; Expecting to earn my MBA degree in August 2013. Hoping for another
promotion in the next year or two. Soon to build my own family.

Looking at all the things that happened in my life, I must say that I am really blessed and there are so
many things to thank for. If there’s one thing that I’d like to change in my life right now is the way I put
God as the center of it. This may sound cheesy to some, but I mean it.

In life, we tend to be overwhelmed by the things that happen to us or the people that we meet along,
or the series of events that change the way we look at things, but one thing is for sure - all these happen
for a reason. I wish to take and live life as it is and all that goes with it, put God’s name in everything
that I do and I know that everything else will follow. I want to be more prayerful to build that stronger
connection with God, which I think I failed to do consistently in my past life.

I want to experience his existence more than anything else in my life. This is my new paradigm and
attitude for 2013 moving forward.<No grade>

NU 12- What pisses me off at the school – Joseph Cunanan

Ateneo Innovation and Entrepreneurship "New ideas create more and better new products and services; create more wealth."

There are actually 2 things I hate at the school.

First, is the level of customer I receive every time I call the registrar. Most of the time, I feel like the
people who answer the phone don’t even want to help, always in a hurry, and there was even a time
that one person made me feel stupid because I cant seem to figure out what’s going on with my online
account. I recommend that:

a. The people at the registrar be taught on some principles of customer service. When students call,
they must be able to provide assistance that we need. We pay tuition fees and that includes the
service we get from all departments within the university, so we deserve a better service.
b. Students must also be given a chance provide feedback not only about their professors but also
with their experience with school personnel like guards, registrar, library etc. This way, the school
can provide the best student experience from all aspects of school offerings.

The second thing I hate about the school is the inconsistency amongst professors who teach the same
course/ subject. I understand that each professor has their own teaching techniques, but there are
occasions that not all professors are able to deliver what is written on the syllabus. Ergo, students tend to compare one professor over another. I think it will be better if professors are calibrated, so that
regardless to which class a student attend to, everyone will get the same maximum benefits from the
courses we will take.3.5