Filed under Making Ends Meet

5 AM

It’s 5 AM.

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Started typing a word synonymous to “comeback,” thought about it, struck it out, and typed “5 AM,” instead. 4.59

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Chose “Chunk” as the WordPress theme. Clicked “Activate.” 4.30

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Read this entry from Nishiboy. Pondered over the little footnote at the end of the entry. Opened WordPress for the first time in months. Clicked. And clicked. And clicked some more. 1.00

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Woke up. 12.50

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Looked longingly at the PS3 and had visions of spells and mages and dragons in the Skyrim sky. Debated with self for a brief moment before lying down in bed. 10.00

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Dinner with roommate. Had inihaw na liempo. Discussed iAssociate 2, the weariness of waiting for a year, the wonders of friends. 8.00

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Hailed a cab. Traffic moderate. Emotions heavy. 6.30

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Watched a sunflower dance. Ate a slice of mango and yogurt cheesecake. Felt the warmth of awesome friendships. A brief respite from the devastating news. 5.30

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Escaped. Found solace in Starbucks with his love. 3.30

<<  120
The devastating news: a failed exam. One step closer to attaining Fellowship, bungled by this lost, unfortunate soul. Within reach, then without. 1.00

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It was 5 AM. Woke up for the first time, after dreaming of wealth and success and the passing of exams.

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Now it’s 5 AM. In the next 30 minutes, the night sky will give way to the bluish tints of the morning, and the cocks will begin to crow.

I think I will be late for work today.

Ambitions

Last Sunday, over lunch, I told my parents and my older brother that one of my friends was going to Spain to take up her MBA. It was the same school that some of my other classmates in Ateneo went to, and it’s said to be the best business school in Europe. They then informed me that one of my “ate” in high school also went to Spain to take up her MBA, seemed to have grabbed a job there, and has now sent her parents on a Rome tour.

I became silent, and a little bit tense. I had an inkling where this conversation was going to lead to.

Why don’t you try applying for a scholarship abroad? Papa asked me. After which you can return as a the CEO of a bank, or an insurance company.

Or perhaps the governor of the BSP, Kuya chimed in.

Hmmm. I didn’t expect that response. Yes, Papa has always been vocal about sending me abroad. He believes that further success can be achieved by way of a foreign assignment. In a way, it’s understandable. We’ve always been a family of movers, nomads that travel from place to place, seeking for opportunities in lands more fertile than the last. Papa himself had begun his quest in Masbate, then travelled to Cebu with Mama, then on to Zamboanga (where I was born), and then finally finding his Ultimate in Davao. I guess it’s high time for me to find my Ultimate, which may or may not be in Makati, which may or may not be in the Philippines.

But I digress. The discussion about emigration has been tackled ad infinitum, but the CEO/governor thing gave me pause. I myself have not thought of reaching those lofty positions. I’d like to think that I have big dreams for myself, but learning that others have bigger ones for me is quite daunting. Should I be flattered because it’s one massive vote of confidence, or should I be terrified because the expectations are once again far beyond my capabilities?

It’s time to reassess my position, because I have always envisioned my future as this:

[WARNING: GEEK MODE AHEAD.]

I’ll take my final local actuarial exam in December 2011 and pass (MUST. PASS.), attaining local Fellowship by 2012, and then completely tackle the international actuarial exams by 2015. In between these sets of exams, I’ll take my insurance courses and attain two more designations. The CFA title is also swirling in there somewhere, but more important, I intend on taking my Masters degree in Financial Mathematics or Quantitative Finance. Preferably abroad, like the University of Technology in Australia. However, unless I get a scholarship, I don’t think that’s going to be quite likely, and taking time off from work to study is a pipe dream as far as I’m concerned.

In the meantime, I’ll work as Manager for whatever company I’m currently working for, then move on to foreign soil in five years’ time (just in time for my international actuarial designation). I have my eyes set on Australia or Canada. Like I mentioned to a previous boss of mine, I have no plans of working in Singapore or Hong Kong. I find that the environment there is, for lack of a better term, robotic, and I need a little flexibility in my professional life. In any case, I’ll be staying abroad for five years, then move back to the Philippines to assume a higher position. Not as high as the CEO or the BSP governor (goodness), but at the very most, the Chief Actuary of an insurance company.

[GEEK MODE ENDS.]

In two years’ time, I’ll be staying in a condominium I bought with my own money. A year after that, I will have bought a car to be used for everyday utility. Five years after that, perhaps the car of my dreams, and then within the next ten years, the condo of my dreams.

By age 28, I will have visited my uncle in Ireland. By the time I hit 30, I will have travelled the entire Southeast Asia, including China. To celebrate conquering this part of the world, I will be spending New Year 2015 in New York City with some friends, drunk as a skunk while watching the ball drop from Times Square. By age 35, I will have spent a few weeks in Europe, including Spain, where I will no longer be able to eat in the awesomeness that is El Bulli but perhaps can still visit as a form of reverence to culinary genius, and Greece, where I will have spent a few days basking in the beauty that is Santorini (and its people). Then it’s off to Maccu Picchu and Rio de Janeiro before I reach 40.

These are my dreams. These are my goals. These are my ambitions.

But the question remains: can I do it?

The honest response: I don’t know. And I don’t think I’ll ever know until I finally publish this monster of an entry that has already taken up 12 hours of my life, set my laptop aside, bring out my highlighter, pens, and book, and start scribbling my way past Chapter 5 of this voluminous Investments book.

And then perhaps I’ll have a fighting chance.

Battling Studies

It all began in October 2004, when I decided not to go back home to Davao for the semestral break just so I could spend my days in McDonald’s Katipunan to study for my first actuarial exam. My friends in the dorm had already left for their provinces, and those that remained had a few fun adventures in mind to merit their prolonged stay. I had no such reasons, no such adventures. I didn’t know it back then, but skipping vacation for studying was just the first of many sacrifices that I had to make in pursuit of this actuarial dream.

In this world, the exams are battles, and the dream is the war.

In a nutshell, the dream is this: to become a Fellow of the Actuarial Society of the Philippines. Four exams entitle you to Associateship; four more entitle you to Fellowship. In an ideal world where unicorns exist and pigs fly, these exams will be like puffy cotton candies that I can eat while I dance and sing my way to the Wizard to claim my Fellowship. But this isn’t an ideal world. In this world, the exams are battles, and the dream is the war. And just like any typical foray into the fray, people fail (say, thrice, two of which consecutively), people cry, and people do not make it.

Five years, ten takes, and seven exams later, I am still standing. And I am still battling my studies to win this war. What began in October 2004 as a trade-off between vacation and vocation have transformed into a lifestyle of sacrifice, but it’s OK. I’m fine. With the end in sight and one more test left to hurdle, what’s another few months, right?

If this means victory, then I will charge into the fight head-on.