Four Banks That You Should be Following on Twitter

Don’t we all love it when corporate entities are active on social media? Not only that we can tag or mention them when we have something to say, good or bad, about their products and services (in hopes that they will notice and listen), but it is also a convenient way to get in touch with them directly for our questions or inquiries.

It’s interesting to know that even banks have Twitter accounts, and that most banks in the Philippines have one. However, not all of them actively reply to tweets where they are mentioned. These four standout from the others, and if you haven’t yet, I highly recommend that you follow them.

4. UnionBank
I’ve always thought that UnionBank doesn’t cater to millennials. First, their website is boring and registering to their online banking is very difficult. When I opened my account, I had to make a phone call to activate my online access. A few weeks later, I mysteriously couldn’t login anymore. I didn’t bother to find out, and I resorted to using their app which they updated by the end of 2017. It was a good move for their new app is impressive.

And I can’t believe that they are actually very active on Twitter. Look:

3. EastWest Bank
I don’t bank with EastWest, but while scanning their Tweets and replies, I was impressed. I would definitely be following them if I were their customer.

2. Security Bank
I am glad that Security Bank also joined Twitter and is replying to mentions. I became a Security Bank customer last year, and I love their app. I haven’t tried contacting them on Twitter yet, but based on what I am seeing, they’re equally as accommodating:

1. BPI
Hats off to BPI’s social media representatives for doing a great job! For me, they have the best Twitter account amongst our local banks who maintains one. I think it make sense for they also have the largest number of followers. Their profile has been around for awhile, and is probably the first Philippine bank to own an official account on Twitter. Can anyone confirm?

Anyway, their timeline is always updated with announcements, and they are polite and quick when responding to mentions.
In case you’re wondering, I selected these four based on the following:

How frequent they tweet – they should be tweeting at least once a day. That means someone is actually monitoring their profile everyday.

How quickly they respond – most of them follow an 8AM-5PM schedule, so if they respond to our tweets or DMs within an hour during the day, that’s enough to keep us happy.

Quality of responses – we all hate copy-pasted responses, and it’s quite a turn off to see the same apology lines. Minimal spelling errors or grammar lapses are forgivable.  Not a UnionBank, Security Bank, and BPI customer? The following banks are also on Twitter:

UCPB – almost made it to the list if only they tweet more often.
China Bank
– they also reply to tweets but not as active as the other four above. I checked their profile on a Tuesday afternoon, and their last tweet (not pinned) is from six days ago.
– they do reply to mentions as well, but similar to China bank, their tweets are weeks apart.PSBank – their timeline is also not as active and busy as the others. RCBC – they are getting there. If I were to pick five, I’d probably give the slot to RCBC. 
– their Twitter account is only dedicated to their credit card holders.
While we may not get all the answers from our banks’ Twitter at all times, it still help to have an easier way of contacting them. We don’t have to make a call or go to a branch to ask about the basics such as swift codes, service charges, why their app is not working, and the like.

There are limitations to what these social media representatives can do on Twitter, so I understand why they need to refer customers to their phone support for account-related queries. I experienced doing chat support for over a year, and we were off-limits to anything that involves sensitive information. There are just things that can only be done over the phone for security reasons.

Anyway, I wonder why BDO is not on Twitter?

Is it Cheaper to Replace or Repair a Broken Appliance?

Lazada PhilippinesI bought an American Home coffee maker as a pasalubong for my parents last Christmas. Yes, it was more of a pasalubong than a Christmas gift. I wanted us to use it right away so I also brought home with me the ground coffee that my former boss sent me all the way from Costa Rica.

We used the coffee maker for a good five days, and it was working fine. I got back here in Manila before new year, and I was surprised to receive a text from my mom telling me that the coffee maker has suddenly stopped working. I called them and made sure that they are operating it correctly. My background in tech support was put to good use while asking them questions.

tightly plugged in to the wall outlet? – yes
power light on? – yes
does it make any boiling sound? – no
is it getting warm? – no
coffee dripping on the glass carafe? – no
is there water on the water tank? – yes
are you sure the power light is on? – yes
any damages on the unit? – none

Well, it looks like the coffee maker is not really working. By the end of January, I was back home and checked it myself. It is indeed broken and I was ready to bring it to the American Home Appliance repair center here in Manila.

I understand the rules about warranty, and I am confident that the one-year warranty for my purchase will be honored. There is no physical damage on the item, but in case they won’t honor the warranty, I made the decision of not paying anything for repair.

When is it cheaper to simply buy a new one instead of spending for repairs?

First, most electronics are always better when they’re brand new. Any repairs done to to the product often lead to more repairs. Before you know it, the total cost of getting it fixed is already almost the same as its original price when you bought it.

Second, this coffee maker is only P799. If it gets repaired for anything more than one peso, I’d rather buy a new one from a competing brand which I’m sure will last longer. I bought an Imarflex coffee maker for personal use this January, and I’m not seeing any sign that it will also malfunction anytime soon.

So when making a decision to whether or not get your broken appliance repaired, evaluate the costs. If it gets fixed, is there an assurance that it will take long before it starts malfunctioning again? Compare the repair cost versus the price of a new one, is there a huge difference?

The major rule is: if the repair will cost more than 50% of the price of replacing the appliance, you should get a new one.

All the Costs You Need to Know Before Buying a Condo

In my previous posts, I talked about the realities of owning a condominium unit in the Philippines, and the things that you may need to consider before buying one.

In this article, I will focus only on the fees. Yes, the many fees that you will be paying before and during your move-in, up until you start occupying the unit. It is good to have knowledge about these fees so that you could prepare and won’t get surprised or overwhelmed later on.

1. First on the list is the reservation fee.

So you’ve already decided on which property to purchase, and your agent is now regularly contacting and updating you. To seal the deal, you will be asked to pay the reservation fee.The reservation fee ranges from P15,000 to P20,000 (more or less). Just consider this as a processing fee for everyone who will be working on your papers, including your agent. For them, this is also an assurance that you are a serious buyer, and that they are not wasting their time preparing the paperworks for you.

The downpayment is not refundable after a certain period, but is often deductible from the total price depending on the policy of the developer. You would often see this in the sample computation that agents are giving out. Make sure to ask for the receipt upon paying the reservation fee.

Your contract will come during this phase. It will be notarized as soon as you sign the paperwork, and you will be given soft and original hard copies.

2. The downpayment.

A downpayment could go from as low as 5% up to 50% of the total unit price. You can talk this out with your agent as most developers are now offering terms which are very flexible, often meeting halfway with the client. The downpayment can also be paid via installment. This would be a practical option especially for a pre-selling property.

In my case, I opted for the 10% downpayment and 90% home loan. The 10% downpayment was payable for twelve (12) months, but can be paid in full at anytime within those 12 months.

3. After the downpayment, comes the hardest part – applying for a home loan.

Needless to say, this is not applicable if you are buying your unit in cash but for the majority of us, our options are:

– Home Loan or Housing Loan thru a Bank
– Pag-IBIG
– In-house Financing

I’ve discussed these separately in this post:

Buying a Condominium in the Philippines: In-House or Bank Financing?

I say, this is the biggest payment that you will be making, so it is very important to determine beforehand if you are illegible for a bank loan or a Pag-IBIG housing loan. It would help to begin making those inquiries from banks and Pag-IBIG before you even start paying the downpayment. I have shared my harrowing experience in getting a bank’s approval of my home loan in the below post, and it is something that I do not wish anyone to experience:

Applying for a Home Loan in the Philippines

4. Bank fees

Okay, your home loan application has been approved, congratulations! You will be signing tons of documents in the bank, and in order for your papers to get moving, you will be paying more fees!

Basically, you can consider this as another processing fee similar to the reservation fee above, but plus applicable tax and more. This is to be paid in full, and comes with a 3-5 days deadline. I paid around P70,000 in bank fees for my home loan back in 2016.

5. Time to move-in! You are not done paying yet. Prepare around P50,000 for the following:

– move-in fee, which is equivalent to one to three months of your monthly association dues. Note that this is not an advance payment; you will still start paying condo dues in your first month.

– other requirements such as fire extinguisher, grease trap and range hood installations.

– construction bond if you decide to have interior renovations. I haven’t done this yet so I couldn’t confirm if the construction bond is refundable in full.

6. On with the monthly bills:

Electric and water bills, plus the monthly condominium association dues. More about condo dues in this post:

How Much are you Paying for your Condo Association Dues?

Well, in addition to your monthly amortization, you will be paying for these three for as long as you own the unit. Say your monthly amortization is P15,000, add another P3,000 to P5,000 for these bills. You will be needing around P18,000 to P20,000 every month for your condo unit alone.

Why am I sharing all these?

The “for as low as P10K monthly” lines in bold letters that you see on those flyers are very enticing. I have some friends who paid for reservation fees because they were attracted to the supposedly low monthly payment. Unfortunately, they would later on learn about all these other fees and realize that they do not have the capacity to pay for them yet. Note that the reservation fee is often not refundable, so avoid giving away P15,000 or P20,000 for nothing.

It is important to research and be aware about the actual amount that you will be needing before, during and after buying a condo. I am lucky to have a very supportive family that together, we somehow became financially capable for this endeavor. It is one of the best decisions that I ever made, and I’m glad that I went for it.

Have you Claimed your New EMV ATM Card?

BDO is one of the first banks to issue ATM debit cards with EMV chips. I had to get mine yesterday because as of February 1, 2018, all BDO ATM cards without EMV chips can no longer be used.

What’s the difference you may ask? The EMV chip is an added security feature on our ATM debit cards. This is similar to what you see on credit cards. This move is mandated by the Banko Central ng Pilipinas to which all banks must comply by June 2018. For comparison, here’s a photo of the old and new BDO ATM cards:

Is the new ATM card free? Yes.

How do you claim your new ATM card? For BDO, you may simply go to your branch and bring your old ATM card and a valid ID. No appointments or registration necessary. The new card is already with them; the process is the same as picking up a card for a newly opened account. I got mine in less 10 minutes upon arriving at my branch.

What will happen to unclaimed ATM cards? Your bank will keep them, practically until those cards are claimed. Banks do not mail ATM cards, and doing so for these new cards will defeat the purpose of all these security measures.

How to Save Money on Your Phone Plan Subscription

Can you save money on your phone bill without totally cutting your plan subscription? I was asking my self the same question while reviewing my payment history with Globe. I can’t believe I’ve been paying P3,000-P4,000 for my phone plan in the past eleven months:

A quick throwback to almost a year ago when I decided to extend my 30-month phone plan subscription with Globe. I was originally subscribed to Plan999, and I upgraded to Plan1799 with an iPhone7 Plus handset (for P800 a month). That turns my total monthly bill to P2,599 for 24 months. Where does the additional P1,500 coming from? Excess usage!

What is the Excess Usage for?

Basically, the Plan1799 includes unlimited call to Globe and TM numbers, unlimited text to all networks, and a 10GB worth of data. I only call Globe and TM numbers, so I know right away that these charges are from my excessive data usage. We are all aware about the data capping that Globe and Smart are imposing. Well, because I do not allow myself to be limited by this data cap, I made the decision to pay the price. How much? P1,500 it is.

So if your plan offers a 10GB data for a month, every KB of data in excess to that is automatically worth P1,500. You’ll be paying for the excess charge anyway, so why not go unli with it? Here’s how my recent data excess charge was computed:

P1,339.29+%VAT equals P1,500 excess usage.

I understand that data is expensive so I feel that the excess charge is reasonable for a 55.6GB volume. This is the reason why I do not want to get cable as I could watch everything online. I am still hesitant to make that move to DSL or Fibr as I am more mobile as I thought; I can’t be without data when I step out of the house.

Now, how can we save on our phone plans???

Ask first if you really need the plan. Maybe consider cutting it after the contract expires, and go for prepaid. Nonetheless, if you feel that you are better off with a plan, decide on which plan is the best for you. Globe and Smart are quite flexible with their offerings, so determine which inclusions you would really want to spend on:


If you have DSL at home, you definitely won’t need a high volume of data. Unless you travel all the time or you cannot live without streaming videos wherever you are, maybe it’s time to get a lower data plan. I would say 3GB is recommended for a month of regular mobile surfing:

Call and Text

Are you actually calling and texting all the time? If yes, the unli-text and call is perfect for you. Otherwise, get rid of it and look for a plan that includes a consumable option. Make sure to stick within that limit to avoid extra charges.

Other Inclusions!

Do you actually want all those inclusions? Perhaps your data allowance is already enough to cover everything, so check your bill for any unused inclusions. Ask your service provider to remove them if there are any.

Free Subscription that Auto-renews

Your plan may include free subscriptions to Spotify, Netflix, etc. They are free for a certain period, normally around 3-6 months and will auto-renew after that. If you do not want to keep the paid subscription for the succeeding months, contact your network and unsubscribe before it starts appearing on your bill.

Paper Bills

Do you really need the paper bill? Banks and other networks accept soft copies and print outs of your bill as a proof of billing. I don’t know which other purpose would you be needing the paper bill for. With Globe, that is P50 a month and they actually encourage their users to go paperless. Subscribe to paperless billing and save that 50 pesos (P600 per year)!

Source: Globe FAQs

Lastly, get a cheaper handset.

I want to keep my number so I am extending my plan with this as the major reason. I realized, I may not be wanting an iPhone again in the near future. I will also be going back to my old Plan999 after my current subscription expires, and will downgrade to a cheaper phone, most probably an Android. The expensive, new phones this year will surely get cheaper next year!
Lazada Philippines
I get a lot of calls from Globe offering me additional lines, and I am always firm at declining them. Which reminds me – do not get an additional line! Unless you need them for business purposes, you do not want to pay for more than one phone bill a month.

How are you saving on your phone bills? Have you experienced switching from postpaid back to prepaid?

4 Reasons Why New Bloggers Should Join a Blog Contest

I remember joining my first blog contest ten years ago. My old page was just over a year old at that time, and Nuffnang Philippines just opened their second blog contest. The mechanics are simple: write about your first memories of any Sony product and mention one of the new items that they’re launching! I tapped in to my sentimental side, and went nostalgic with my story:

Reading this post today, it’s so tempting to go back and edit. But I decided to leave it this way – raw and unpretentious.

I was selected as one of the 50 finalists and received an invitation to the awarding ceremony. It was to be held at the then newly opened SMX Convention Center. Sadly, I automatically eliminated myself by not showing up.

Almost a decade later, I decided to join another blog contest, this time through this site. I got a P1000 Sodexo gift certificate. Not bad.

So, can new bloggers join and win a blog contest? Yes. Most of these competitions are open to both new and old bloggers. The newer you are, the more that you should consider joining. This site was just four months old when I entered the Sodexo blog contest.

Why should you join a blog contest if you are a new blogger? Let’s see.

It’s fun!

Blogging may get boring after your first few months. A blog contest could keep the excitement going. From putting together your story, to publishing and submitting an interesting article, and then finally waiting for the results, the anticipation keeps you excited! Regardless of the outcome, you will for sure find something out of the experience to blog about next (hint: this blog post is an actual example!).

It’s an opportunity to get creative.

Writing a full article is already difficult. Writing an article and relate it to a topic which may not be very familiar to you is even more challenging. Being able to do so without sounding too promotional, and a**-kissing could land you a spot in the organizer’s short list.

Win or lose, the experience will challenge you to improve on your writing. If you could produce high-quality posts for a competition, you can duplicate that for a regular post.

You’ll be inspired.

Running out of new ideas and topic to talk about is normal. It is one of the realities that hit every blogger all the time. Joining a blog contest will not only push you to write something, but inspire you to create a high-quality post. You want to win as much as you want to publish another article, and you are sure that someone will scrutinize your post, so why not give it your best?

If you have a niche, it becomes more challenging. Go for it! These are just one of the small risks that you need to take in order to learn, and improve your blogging.

You need the exposure.

If you win, your blog will be published by the contest organizer. Not only that you get an instant monetary reward, Google will recognize your site even more. In the long run, the backlinks that your blog get from other websites will be your biggest prize. These links give Google the impression that your page is significant, hence, giving it a higher page rank.

If you have doubts, just keep going. Join not only for the prize and bragging rights, but for the experience and lessons that come with it. These blog contests connect you to other bloggers. You get to learn more about them and how they are doing in their niche, and consequently, on how you could level-up on yours.

I wish you the best of luck on your first blog contest entry! Keep on joining!

How Much are you Paying for your Condo Association Dues?

Our property management just announced that there will be no increase in our condo dues this 2018.

The cost of association dues vary depending on the developer and property itself. Other factors, such as location and type of development, are also being considered.

For some condominiums, the amount is the same for all units, which ranges from P1000-P1500 per month. For others like SMDC, this is computed per square meter:

Residential Units: P79/sqm/month Parking Units: P61/sqm/month

The same is true for Robinsons. A friend who owns a unit in a Robinsons development is paying P74 per square meter a month for condo dues. I believe DMCI also follow this per square meter computation. This means that the bigger your unit, the higher your association dues will be. It sounds unfair, but NOT if you have more than three tenants in those bigger units (as opposed to three or less in the smaller units).

And for some good news, association dues will no longer be taxed under the new TRAIN law. This looks like an additional savings for condo owners?

How much are you paying for your condo association dues?

Money Saving Challenge Report: Month 1

I am happy that I started this challenge for myself. It feels great to have gotten that drive to do it, and having a blog to document my progress makes it even more exciting. I admit that I am not a saver, so being able to come up with ideas on how to save, and having the discipline to follow them is in itself already an achievement.

My first month of trying to religiously follow my own rules has not been very easy, I admit to cheating a few times. Here’s a summary of how my first month of saving money went.

1. Not booking Grab or Uber when going to work.

I’m just glad to have been able to make a jeepney ride for my commute to work a daily routine. Indeed, anything that you regularly do for 21 days straight can become a habit. Well, I’ve been taking a jeepney for almost two months now so my plan actually worked. I am saving not less than Php100 a day, and that’s great.

On a side note, I am totally boycotting Uber until they fix their system. My bad experience with them happened when I started considering cheaper alternatives for my commute. Ironically, it was very timely because now, Uber is no longer an option.

For my safety, I still book a ride from Grab when going home after work, often between 1 and 3 in the morning.

2. Less and less fast-food.

Fast-food is my weakness. It was my main source of “nourishment” for the past 15 years or so, and that makes it very difficult to remove from my system. Needless to say, cutting down my fast-food intake from 2-3 times a day to 2-3 times a week was a great improvement.

Which means, I have to learn to prepare my own food. I can’t cook, so cheap canned goods are my savior. Thankfully, I am not your typical Filipino who can’t survive a day without eating rice. I can live with burgers and fries for a week, but I am substituting that with bread and healthier sandwiches that I buy from a bakery near my place. Soon, I plan to prepare my own sandwich and bring it to work along with my coffee. Speaking of which:

3. I am now brewing my own coffee!

I just bought a coffee maker, and ordered an Atok Arabica ground coffee with that. Moreover, the coffeemaker was purchased using a P1000 Sodexo gift certificate that I got from joining a blog contest in November. Wonderful!

I am a supporter of local produce so I am going for the Arabica coffee from Benguet. I learned about it when I was in Sagada last November. Coincidentally, I saw some Instagram posts about the Beguet coffee, and the hard works that local farmers put into harvesting and processing the beans. That inspired me to patronize their product even more.

Now, along with these money saving habits, I just started saving my 50 peso bills again. Let’s see how much I would save at the end of the year. I’m also thinking about doing my groceries by bulk. I mean because I am your typical lazy guy, I don’t go from aisle to aisle inside the grocery. I buy what I need one at a time, and I don’t mind if that means a daily trip to the grocery store downstairs where I live. How are you saving on groceries?

I realized, I might be able to save if I buy a one week worth of groceries at a time. This is also to make sure that I won’t end up ordering food online when I run out of food supplies. I work until 1 or 2 in the morning so other than the 7/11 in our building, my only option when I’m hungry are 24-hour fast-food deliveries! I would want to avoid that as much as I could.

Lastly, I am taking advantage of the cold January weather and decided to unplug my AC. The electric fan is more than enough. This started in December and my electric bill went from approximately P1600 to P350! Awesome!

3 Things that OFWs Must Know about the OFW ID

1. The iDOLE OFW ID Card is FREE!

According to Labor Secretary Silvestre Bello III, “This is free for our OFWs. We do not want our OFWs to shoulder the cost because this is a gift from the President to recognize their sacrifices and immense contribution to our economy.”

2. Currently, this is only available for NEW Balik-Manggagawa (worker-on-leave, or vacationing OFWs).

“This is only the first phase of implementation and will cater first to our Balik-Manggagawa until the system is ready for all OFWs. We are doing this to secure the database and for further improvements in the system,” Secretary Bello said.

3. Registration can be done online via in 3 easy steps!

This means that moving forward, OFWs will be able to do perform their transactions online! Per DOLE advisory:

“With the use of the ID, OFWs will no longer need to queue in transacting with agencies for their overseas employment as they can now access government services online during the further phases of the iDOLE eServices implementation.

The first phase of the system links DOLE with the Department of Foreign Affairs (DFA), Philippine Overseas Employment Administration (POEA), Overseas Workers Welfare Administration (OWWA), and the Bureau of Immigration (BI).

The iDOLE system will further interlink the databases of DOLE offices and agencies with other government agencies for a more reliable, updated and complete Labor Market Information System (LMIS) for employment facilitation purposes.” – Source:

Earning $0 from my First Month of Doing Affiliate Marketing

Back in November, I started learning my way around affiliate marketing as a “new blogger”. See, despite my 10-year blogging experience, I never really focused much on blog monetization. I never had the courage to take risks, and I admit, I was too lazy to learn.

In the span of two years, from 2007 to 2009, I use to connect with several bloggers. It was just pure past time, and connecting was a way to attract followers. Although I ventured into paid posts just like most of them, I never really understood how one could make serious money blogging. I eventually stopped when paid posts became scarce.

After a few years, my fellow bloggers who continued monetizing their blogs went on to become sources of viral articles. I would often see their posts being shared on social media. I was amazed and envious at the same time; I wish I didn’t stop learning!

Fast forward to ten years later, here I am starting over again, eager and excited to explore more of what blogging has become. That’s how I came across affiliate marketing.

So how much did I earn after a month of doing affiliate marketing? Zero. Nothing. $0.

Now, you must think I am crazy. Who in their right mind would want to embarrass themselves by publishing about a zero earning? And would anyone be interested to even read an article about not earning a single cent after a month of doing affiliate marketing? I don’t know either. But I did promise to share my experiences, and I think talking about starting from absolutely nothing is not really a bad idea.

So what are the affiliate marketing programs that I signed up to? And what went wrong? Let me discuss.

Amazon – Probably the most popular affiliate program available in the world wide web. While they have a very wide selection of products to promote, I find it difficult to find one that would fit in my blog. I thought gift cards are quite close, so I selected that for my first banner.

Lazada – I think Lazada is popular amongst bloggers in Asia. While Zalora is for fashion and lifestyle bloggers, Lazada is more like Amazon, so it caters to a broader audience. I knew I cannot do Zalora, so I went for Lazada right away. I like the fact that they have regional offerings, so you can select one that targets your reader’s locations.

Agoda – I thought it was appropriate to try Agoda as I am bound to publish travel-related posts at anytime. You get a commission for every booking made from your affiliate link; now I envy travel bloggers!

JVZoo – I honestly do not understand JVZoo. Well, I guess it’s very typical for a newbie to try and explore things and later on asks “what was I thinking”? I am not comfortable at giving out my credit card details upon signing up, so I give this one a pass at the moment. But I’m pretty sure I’ll reconsider in the future.

Bluehost – Since I started buying virtual real estates, I’ve always wanted to try Bluehost. However, GoDaddy has cheaper offers so I would end up ditching Bluehost. Bluehost nonetheless approved my affiliate application and I was very excited to start. A few days later, I received a notice about an issue in the tax form that I submitted. I never bothered checking what was wrong. Also, I realized that Bluehost may not be a perfect fit for my niche so I guess that ends my Bluehost dreams. Ironically, I would see Bluehost ads from Adsense being displayed on my pages so I guess that is it.

GoDaddy – The only one that rejected me. It’s sad because I am a GoDaddy customer. I bought this domain from GoDaddy and subscribed to their hosting plan too. Oh, well.

ConvertKit – Okay. This is most popular amongst bloggers that I follow. The problem is, I still don’t understand how it works so I haven’t started using it yet. It just looks complicated to me and until I get to fully articulate what ConvertKit is all about, I don’t want to be publishing anything about it. I know it may be simple for others, but as goes my tagline – “layman’s term” is what I am promoting. I want to be able to talk about it in my own simple words. Just like JVZoo, I am not closing my doors on ConvertKit yet.

So there you go. So far, I am only actively publishing Amazon, Lazada, and Agoda at the moment which means I will need to have wide readership before I could actually earn something. But I am optimistic that I’ll be able to reach my first payout with them one day, and when that time comes, I will definitely be talking about it.

This is my humble affiliate marketing journey. While I am a bit disappointed, I don’t consider my first month a failure. As what they say, it is just the beginning. I am still learning, and I know there’s a lot more to come.