How I overcame my insecurity

By Jenn Besonia
Philippine Daily Inquirer

DateFirst Posted 22:05:00 09/18/2010

“BAKIT YUNG isa panget?” our middle-aged neighbor said—yes, middle-aged—while looking at me as if my two sisters and I were just my mother’s dogs she could always judge based on beauty.

That was my earliest memory concerning my physical flaw.

My unexpected addiction to Queen Seon Deok

Published at Philippine Daily Inquirer

My unexpected addiction to Queen Seon Deok

by Jenn Besonia 

I WAS EATING LUNCH WHILE WATCHING “Monsters vs Aliens” at home on a boring Wednesday afternoon. My dad told me he wanted to watch “Queen Seon Deok.” A bit irritated, I let him change the DVD.

So you didn’t get into the public university of your choice

Published at Philippine Daily Inquirer

LET’S FACE IT, NOT EVERY-ONE can afford the expensive tuition fees of private universities. Many Filipinos can’t. Because of

Superman Might not Exist, But Bad Credit Loan is Here to Save you

Bad credit loan is now one of the most helpful remedies for people who were unlucky to have a not-so-good record. It is the only option for them. Superman might not exist but this one will really save them. What is bad credit loan? No, it’s not really a “bad loan”. It is the kind of loan for people who have the record of having bad credit or simply bad records of credit.

Kinds of Bad Credit Loan
For you to be sure that you’ve chosen the right kind of bad credit loan, you must be familiar with the existing types of it. The list includes personal loan, signature loan or note, credit cards, and payday loans.

Diverse personal bad credit loan are lurking out there. What you need to do is be smart enough to choose. Renowned institutions that offer this service are always better. Dont’ try your luck from the unknown ones. You might end being used as an experiment. Plus, don’t forget that a membership fee isn’t necessary in usual bad credit loan institutions. Or let’s suppose they can prove their legitimacy. Which one would you choose? A lender who’s ready to lend you without asking for any membership payment, or someone who asks for money first?

Undoubtedly, the most cost-effective among the four is personal loan. If you will compare it with the others, you will see that the interest rates of it are apparently lower.

Signature loan also known as note loan is a short term one. More often than not, it lasts up to three months.

I bet you already know the facts about credit cards for it is the most type of loan nowadays. Even children know that from credit cards, you can get a loan.

And last, the maximum amount that you can borrow through payday loans is $1,000. Normally, 8-15% is the interest and therefore, it is the most costly among the types of bad credit loan•Jenn Besonia

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Choose your own Bad Credit Loan

In this recession era, there’s no doubt that there are a lot of people who need bad credit loan. It is the only option for them. It is the only thing that can save them. To feed your curious mind, I want to inform you that bad credit loan is not a “bad loan” itself. It is the kind of loan for people who have the record of having bad credit.

Types of Bad Credit Loan
For you to be sure that you’ve chosen the right kind of bad credit loan, you must be familiar with the existing types of it. The list includes personal loan, signature loan or note, credit cards, and payday loans.

There are so many personal bad credit loan out there. What you need to do is be smart enough to choose. It’s always better to go for those who already have their good reputation in this business. It’s always safer to apply for a bad credit loan from them than from the untested ones. Also, you must keep in mind that you don’t need to pay any membership fee for a legitimate bad credit loan. Or let’s say they are really legitimate. Why apply there if you can go for those who don’t ask for any payment?

And yes, personal loan’s the cheapest among the four. The interest rates there are much lower in comparison with the others.

Signature loan also known as note loan is a short term one. More often than not, it lasts up to three months.

I bet you already know the facts about credit cards for it is the most type of loan nowadays. Even children know that from credit cards, you can get a loan.

Lastly, payday loans can lend you a maximum amount of $1,000. Usually, the interest here ranges from 8-15% so apprently this is really the most expensive among the four kinds of bad credit loan•Jenn Besonia

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The Existence of MBE

When I came across the site of Jonathan Danos, this was the statement that grasp my attention: Continuing to seek export opportunities in the region and other related opportunities.

Well, almost all people are looking for opportunities. What’s great about Jonathan Danos is, he doesn’t just look for an opportunity to help his own self. He seeks for opportunities to help other people.

Jonathan Danos, an MBE, received his award after doing his services on British Exports to Central and South America. He isn’t just lucky to receive the MBE award. He really deserves this MBE award because of what he has done in the past and of his continuing projects that certainly help people.

Therefore, if you’re thinking that having the MBE award is very impossible nowadays, trash that belief. Jonathan Danos is a living proof that noble people like him really exists. And if you can’t still believe, try visiting his site to see his diverse achievements with your own eyes•Jenn Besonia

Diverse Reasons to Receive MBE Award

MBE, the acronym for My Bloody Effort (according to the cynics in the civil service) are people who are members of the British Empire. But, you should mind that “a bloody effort” isn’t necessary to have this award. Jonathan Danos, a UK resident is one of these noble people who has the order of MBE.

Although MBE like Jonathan Danos seems to be the most noble part of the British Empire, it is not the highest rank in it. Knight Grand Cross (GBE) or Dame Grand Cross (GBE) is the highest. Following are (in decreasing order) Knight Commander (KBE) or Dame Commander (DBE), Commander (CBE), Officer (OBE) and the least in the rank is the MBE.

According to John Lennon, most people receive the MBE award for their heroism in war. He even called it “for killing people”. And he said the entertainters deserve this award more. But I don’t think those who receive their award for heroism in war is directly associated to “killing people”. Killing is very differnt from defending.

There are diverse reasons for receiving this award and there’s no better or worse among these, as shown by Jonathan Danos.

Jonathan Danos received his own in 2000. Her Majesty the Queen gave this award to him for services to British Exports to Central and South America.

No doubt, Jonathan Danos is the man who should be imitated for his being noble.•Jenn Besonia

Passion for Horse-Riding

Modern equestrian competition is a life-style game.

This statement’s one of the beliefs of a group called Long Riders’ Guild. Yes, I love the belief too and it somehow inspires me to try this “modern equestrian competition”. The group is composed of people who have the passion and love for horse-riding in their long journeys and Jonathan Danos, who studied spanish in Madrid, is one of these wonderful people.

Jonathan Danos is also one of the people who view the above belief in a positive way. Sadly, most people translate it into negative–humiliation and disappointment. However, for Jonathan Danos, equestrian is not like this. It’s more of a travel, and not a game. You need to learn new techniques that will lead to your own success and not to the distraction of other horse-riders. Yes, success without affecting other people is one of the great things that Jonathan Danos believes in.

Now I know you’re becoming more and more interested to become a part of this Long Riders’ Guild. But just like any other club, Long Riders’ Guild set qualifications too.

The most important qualification to become a member of this group is you need to be someone who can continually ride a horse for at least 1,000 miles. Be like Jonathan Danos. His love for travelling doesn’t make him tired despite of continuous horse-riding•Jenn Besonia

Horse-Riding's Adventure and Fun

There’s no doubt that adventure is always part of our lives and for some people, riding horses on long journeys is one of the best adventures that ever existed on Earth. Because of this, Long Riders Guild was created, hoping to have more members who are hooked into horse-riding.

Jonathan Danos, born in Cyprus, is one of the members of Long Riders Guild who have travelled from one place to another while riding horse. Surely, for Jonathan Danos, riding horses is not just a hobby. It could be useful too. Through this, travelling would surely be more fun.

Jonathan Danos is also one of the Long Riders Guild’s members who believe that equestrian travel is not a game. Violence and conflict are not allowed. This simple “rule” of riding horses for journeys is very different from having competitions. It is more safe, it is more friendly. Personal excellence is the main goal of Long Rider’s Guild and Jonathan Danos is one of those horse-riders who have achieved this goal.

Undoubtedly, members of Long Riders Guild are men of adventure and fun, just like Mr. Jonathan Danos•Jenn Besonia

Repo Houses for your Dreams

Repossesed houses or typically known as repo houses are one of the most affordable kinds of home. Thanks to this, having the house you ever dreamed of can now be easier despite of having no sufficient budget for it. What’s great here is you can even own one without the need of sacrificing your other properties.

Simple Meaning
From the word itself, repo houses are estates that have been repossessed because of the borrower’s inability to pay back a mortgage on its due date. Therefore, if you’re a person who needs to pay a mortgage, be sure to pay it on or before its due time so that your property won’t end up into one of the repo houses available now in the market.

Reason of its Cheapness
Usually, banks who have just got repo houses from borrowers are in a hurry to sell these. They’re afraid that the house would soon need repairs and maintenance and if ever this happens, the bank would just spend more money for the repo houses. Which bank would like to do such thing? Of course, there’s none, unless a bank you know’s like a “charity bank”. Banks immediately look for potential buyers who could pay them equivalent to the mortgage the previous borrower hasn’t paid.

The Auction Process
This is the most usual kind of selling repo houses. The one who has the highest bid will apparently have the privilege to buy it. Through this process, repo houses sellers/institutions get higher amount of money. For the potential buyers, it is always advisable to start bidding by low amounts. Who knows, you might just be the one interested in those repo houses and there’s actually no other person willing to bid. God might be on your side and you might be the only one who wants to bid on the repo houses you’re dying to have. This would save you a large amount of money and it could also lead you to one of the best repo houses•Jenn Besonia