BusinessWeek Mindanao Oct 10

BusinessWeek MINDANAO

YOUR LOCAL ONLINE BUSINESS PAPER

www.businessweekmindanao.com

Issue No. 18, Volume III • October 10-13, 2011

Market Indicators as of 5:10 p.m., OCT. 6, 2011 (Friday)

FOREX

PHISIX

US$1 = P43.64

4,009.26 points

X X Briefly 0.40 cents

118.74 points

Solar power

AT least five sites in Northern Mindanao had passed the technical requirements for the Solar Powered Agri-Rural Communities (SPARC) Program.

Through the project, SunConnex (SC), a solar power developer based in the Netherlands, will generate electric power from solar energy in agri-rural areas which will be sold to the grid to add to the generating capacity of the Philippines.

Engr. Felix Aguhob, Regional Director of the Department of Agrarian Reform (DAR), region 10, said these sites, as validated by the SC Dutch Engineers, are Talaba, Alubijid in Misamis Oriental, Langub, Calamba in Misamis Occidental and Linabo in Malaybalay City, Mantibugao in Manolo Fortich and South Poblacion, in Maramag, all of Bukidnon.

Mining merger

STOCKHOLDER of Apex Mining Co., Inc. have approved the firm’s planned merger with its affiliate Teresa Crew Gold Philippines, Inc., a move said improve operating synergies.

Apex said in a disclosure to the local bourse the planned merger was approved on Thursday.

“The objective of the merger is to achieve operational efficiencies, economy in management and operation, and improved profitability through closer synergy and integration between Apex and Teresa,” the firm said.

Apex’ main project is the Maco gold mine in Compostela Valley.

Editorial: 088-856-3344

Advertising: 0917-7121424

P10.00

Consumer referendum for electric coops eyed

T

By MIKE BAÑOS, Correspondent with ANN NOBLE, Bukidnon Bureau Chief

HE cooperative bloc in Congress has asked the Department of Energy to compel all rural electric cooperatives in the country to hold a referendum among consumers to determine if cooperatives should be placed under the Cooperative Development Authority (CDA).

Ating-Koop party-list Rep. Isidro Q. Lico said this is a process required by law.

“We are asking (the Energy department) and the National Electrification Administration to require all rural electric cooperatives under their supervision to call a referendum among their member-consumers for this purpose as provided by law,” Lico said during the launhing of the Cooperative Month celebration in this city and in Northern Mindanao last week.

The cooperative block includes Coop-NATCCO, Agricultural Sector Alliance of the Philippines, Inc., Butil Farmers’ Party, 1st Consumers Alliance for Rural Energy Partylist; 1- United Transport Koalisyon and Adhikaing Tinataguyod ng Kooperatiba (Ating-Koop).

Eight party-list representatives and at least 20 other congressmen have declared their support for the initiative, Mr. Lico claimed.

Most electric cooperatives in the country operate under the National Electrification Administration and under the CDA. Mr. Lico clarified that the cooperative bloc is asking electric cooperatives to comply with the law by being transparent about the status of members’ capital contributions.

Key to the ownership issue is the manner of booking member contributions for capital expenditures, the lawmaker said.

“Most rural electric co-ops are booking these amounts as donated capital accounts which is illegal,” Mr. Lico said. -- m. d. baños with report from a. f. noble

PROFITEERING IN OIL INDUSTRY: Energy Usec. Jose M. Layug reiterates the need to amend the oil deregulation law if the government wants to put an end to profiteering in the oil industry. photo by mike baños , NPN

Amendments to deregulation law seen as key to catch profiteers

By MIKE BAÑOS Correspondent

CONGRESS needs to amend Republic Act No. 8479, otherwise known as the “Downstream Oil Industry Deregulation Act of 1998” before government can sanction profiteering by oil companies.

“For instance, we need to define what a fair price is

for us to effectively enforce the law against profiteering,” said Energy Undersecretary Jose M. Layug , Jr. during a forum with energy reporters in Makati last week. “We also need to define what constitutes a ‘reasonable return’ for the oil firms before we can compel them to open their books to determine if indeed they are profiteering.”

Militant groups and congressmen have called for the amendment or repeal of RA 8479 which they say has clearly failed to live up to its mandate to “foster a truly competitive market which can better achieve the social policy objectives of fair prices and adequate, continuous supply of environmentally-clean deregulation/PAGE 14

Govt urged to assert authority over mining firm operations

By CARMELITO Q. FRANCISCO Correspondent

DAVAO City -- The government must exercise its authority for mining companies to practice responsible mining, a leader of the business sector said.

Bonifacio T. Tan of the Mindanao Trade Expo Foundation made the comMining operation in gold-rich Diwalwal. ment last week in answer to regulations so that the ill reports that mining compa- area. nies have been looking at Mining companies must effects of mining will be Mindanao as an investment comply with all government mining/PAGE 14

2

Economy

October 10-13, 2011

Emano says opening of businesses shows confidence in city’s economy

By LOREBETH C. REQUIROSO Contributor

emano

CAGAYAN de Oro Mayor Vicente Y. Emano has expressed his gratitude to the management of Gaisano Inc. for opening its 6th branch in the city.

“Another mall was recently opened in Barangay Bulua and this has positive indications to the conomic growth of the city,” the Mayor said.

“Ang pagbukas sa Gaisano Mini-Mall sa Bulua usa ka positibong indikasyon nga taas kaayo ang pagsalig sa mga lokal ug langyaw’ng magpapatigayon sa natad sa negosyo sa atong dakbayan (The opening of a Gaisano Mini-Mall in Barangay Bulua is a positive indication of the high trust and

confidence of the local businessmen in the city),” Emano said.

“Gawas pa, makatabang sa panarbaho sa mga kabus, diin ako mapasalamaton (Aside from that, it has helped the poor find employment, to which I am very thankful)” the Mayor added.

Gaisano is one of the first mall and department store in Cagayan de Oro City.

BusinessWeek

mindanao

Council forms Cag. de Oro power, water, telecom board

By LOREBETH C. REQUIROSO Contributor

CAGAYAN de Oro City has created a body that will undertake research, fora and consultations on power and energy and water and telecommunication needs of the city as they relate to the present and future growth and development.

The Sangguniang Panglungsod (SP), during its recent regular session presided over by SP Kagawad Ramon Tabor, enacted an ordinance establishing the Cagayan de Oro City Power, Water and Telecom-

munication Board.

Kagawad President Elipe, Chairperson of the Committee on Energy, said this board will be permanent and will make interventions with different agencies with regards to the applications for any increase in rates of their services.

It may be recalled that the legislative body earlier created an adhoc body to look into the application of Cagayan Electric Power and Light Company, Inc. (CEPALCO) for a rate increase.

Elipe said the adhoc committee was dissolved after it was able to successfully intervene for the city government resulting to a reduction of the increase.

“We need a permanent body to study not only concerns about power but also about water and telecommunications and recommend any legislative action to the Sanggunian,” he said. cio/pia-10

Iligan solon lauds OBOP launching By lorry v. gabule Contributor

We are now open everyday, Mondays to Sundays and on Holidays

ILIGAN City -- The launching of October as Business Month by the Sangguniang Panlungsod (SP) is a recognition of the vital role of the business sector in Iligan.

More so, with this latest undertaking of developing the One Barangay One Product (OBOP) Program, the barangay, as the basic unit of government in the country, and the most strategic choice where solon/PAGE 6

BusinessWeek

mindanao

Education

October 10-13, 2011

3

My House, partners to build classrooms “Build a School, Build a Nation: The 60 Classrooms Project” This School House Project is a partnership between My|Phone, My|House, Security Bank Foundation and Ateneo de Manila University.

The classrooms are built from High-Tech Modular Housing Solution by MyHouse (www.myhouse. net.ph). These MyHouse classrooms are built with Sandwich Steel panels with Polystyrene foam which insulates the structure from heat. Also, each twin-classroom can be built within

DepEd forges partnerships for health care program

seven (7) days by seven (7) trained contractors.

With this, foundations like Security Bank Foundation can address the problem of the inadequate number of classrooms through MyHouse’s high-tech modular housing solution in the Philippines.

Another modern day solution to the growing needs of the Philippines that only My|House can deliver.

Learn more about this solution by visiting MyHouse showroom at 2000 East Service Road, Bicutan, Paranaque City or you may call them at 837-0195 local 228.

(Front row L-R) Mr. Vincent S. Lim, Congressman Rodolfo Antonino and Wife (left side), Atty. Elena S. Lim (Chairman Emeritus, Solid Group, Inc.), Fr. Bienvenido F. Nebres, SJ (President of Ateneo de Manila University), Mr. Rafael F. Simpao, Jr. (Chairman, Security Bank Foundation, Inc.), Hon. Mayor Gloria Crespo-Congco (Cabiao, Nueva Ecija), Ms. Noemi C. Sagcal (Principal, Sta. Rita Elementary School), Mr. Jumar Wycoco, and Ms. Mel Oracion (Chairman, Ateneo de Manila Foundation). photoprovided

By APIPA BAGUMBARAN Contributor

MARAWI City -- The five schools divisions in the province have forged partnership with the provincial government and the Fit For School, Inc. (FFSI) to ensure the sustainability of the Essential Health Care Program (EHCP).

The memorandum of agreement (MoA) was signed by the parties during the EHCP launching, at the Bacolod Central Pilot School in Bacolod Kalawi town, this province, last Oct. 6.

The EHCP consists of the most cost-effective and evidence-based preventive interventions to improve the health of school children in public schools, thus, improving their academic performance.

A flagship program of the Department of Education (DepEd), the EHCP has been a success in improving the health of thousands of school children in 73 provinces in the country.

It includes the implementation of daily soap hand washing and daily fluoride tooth brushing, mass bi-annual de-worming of children, as well, as improving water and sanitation facilities in public elementary schools and day care centers.

Under the MoA, the schools divisions of Lanao del Sur I-A, I-B, II-A and II-B, and that of Marawi City agreed to undertake the implementation of EHCP and to ensure that its interventions are practiced through daily group activities included in the Daily Class Program.

The provincial government, on the other hand, will provide financial support and ensure timely procurement and delivery of needed materials, such as, deped/PAGE 14

1.) Every single/ accumulated purchase of P500 within the day, cash or credit from any participating tenants (excluding food tenants) of Limketkai Mall, entitles the customer to join the raffle. However, for those who purchased more than P 500, a customer can still avail an extra coupon from the Customer Service Counter for bigger chances of winning.

2.) Customer should ask for Receipt/Sales Invoice for the purchase made.

3.) At the back of the Receipt/ Sales Invoice, the customer shall write their COMPLETE NAME, ADDRESS, CONTACT NUMBERS, and SIGNATURE and drop it in the tambiolo located beside the Customer Service Counter.

4.) Only Official Receipt/ Sales Invoice issued during the day of the raffle draw shall be considered valid entries. Any alterations on the Official Receipt/ Sales Invoice shall automatically invalidate the entry.

5.) 5) Hourly draws as follow: 5PM, 6PM and 7PM. P1,000 worth of Gift Certificates will be given away to lucky customers for the 3-day hourly draws.

6.) Raffle draws will be held in the presence and supervision of a DTI Representative.

7.) All non-winning entries for the first hourly draw will automatically qualify for the succeeding draws for the duration.

8.) Winners will be notified through registered mail/ or phone call. Prizes not claimed within thirty (30) days from notification shall be forfeited accordingly.

9.) All employees of Limketkai Mall, its ad agency and participating tenants are disqualified to join the promo.

DTI-MOR-X-0178 SERIES OF 2011

Companies

4 October 10-13, 2011

PAL adds flights for Bacolod’s MassKara Festival EVEN as it continues to normalize its operations, flag carrier Philippine Airlines has added flights to Bacolod City this week, to accommodate visitors going to the MassKara Festival there.

PAL Bacolod manager Fernando Bermejo said this was in response to a request

by Bacolod Mayor Evelio Leonardia to accommodate visitors and tourists.

On Oct. 11, 13, and 20,

he said PAL will have two flights a day from Manila to Bacolod and back, to handle the increased traffic due to MassKara, news site Visayan Daily Star reported.

This year’s MassKara started October 1 and will run until October 19.

Earlier, Leonardo wrote PAL president Jaime Bautista, appealing for a “special look” at the situation in Bacolod so visitors and

tourists will not be inconvenienced.

PAL has been trying to get its operations back to normal since Sept. 27, when members of its ground crew union stopped working after the management implemented its spinoff plan.

The flag carrier has outsourced its three non-core businesses – Airport Services, In-flight Catering and Call Center Reservations.

PRYCE GROUP GROUPOF OFCOMPANIES COMPANIES

FOR IMMEDIATE HIRING MANAGEMENT TRAINEES

Qualifications:

- preferably an HONORS graduate, of any four-year course in a reputable college or university; or a consistent dean’s lister.

- at least 22 years old.

- Willing to travel.

- Willing to be assigned anywhere in the Philippines.

- Of good moral character

Qualified applicants may submit their resumes with 2x2 I.D. picture to: The Senior Vice President - MCD Pryce Corporation 1st Lower Level, Pryce Plaza Carmen, Cagayan de Oro City

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mindanao

German firms to explore solar investments in PHL

A

T least 10 German firms are coming to the Philippines soon to explore investment opportunities involving renewable energy sources such as solar power.

The Philippine Embassy in Berlin said the move is part of a special program being organized by the German Agency for International Cooperation (GIZ).

“The program aims to familiarize them with the potential investment opportunities in the country for renewable energy, specifically on photovoltaic solar power generation,” the Department of Foreign Affairs said.

It said Philippine Ambassador Maria Cleofe Natividad took part in a recent workshop on solar energy technologies in Berlin some weeks back.

The GIZ and the German Federal Ministry of Economics and Technology (BMWi) organized the workshop.

When she opened the seminar-workshop, Natividad underscored recent positive developments favoring renewable energy technologies in the Philippines.

Among these are the passage into law of the Renewable Energy Act in 2008. The Philippines is one of the founders of

the 2009 International Renewable Energy Agency (IRENA) in Bonn, and a party to the ratification of the IRENA Statute in May this year.

She said another positive development is the renewed confidence in President Benigno Aquino III’s administration.

The speakers at the workshop included: - Tetchi Capellan from the Philippine Solar Power Alliance, who gave an overview of the status of solar energy industry in the Philippines - Dr. Günter Matschuck of the German-Philippine Chamber of Commerce and Industry (GPCCI), who presented some business possibilities of on-grid as well as off-grid (decentralized) solar systems in the Philippines - GIZ Consultant in the Philippines Mr. Markus Dietrich, who talked about business prospects in rural electrification and small scale roofmounted solar systems - Nadine Fund of GPCCI, who gave an overview of the Philippines as an export mar-

ket for Germany

- Mathias Kothe, who discussed his experiences in a joint project between a German developer and Philippine company called CEPALCO. The DFA said the seminar-workshop is part of the German government’s “Renewables-made in Germany Initiative.”

The endeavor aims to facilitate and support business partnerships and technology transfer between Germany and countries in Southeast Asia that are rich in renewable energy sources.

Natividad told the German executives the Philippines aims to provide electricity to 90 percent of all households by 2017.

She said the goal can be achieved only by harnessing solar energy that can reach the most remote communities as traditional transmission systems are viable only in densely populated areas.

In 2010, she said the installed solar power capacity of the Philippines was only 0.01 percent of the total installed capacity nationwide and may appear to be negligible, but stressed there is still a big potential for development and expansion.—wire reports

STATE-run Government Service Insurance System (GSIS) said last week that it has reduced the interest rate for Emergency Loan from eight percent to six percent and would no longer charge a one percent service fee for the loan.

“This is part of the current effort of the Board and Management to make our policies and programs more responsive to our members especially at a time they need it most,” Robert G. Vergara, GSIS president and general manager said.

Under the GSIS Emergency Loan program, each eligible member can borrow P20,000, payable in three years in equal monthly installment. The initial payment for the loan shall start three months after the loan drawdown.

Member-borrowers with outstanding Emergency Loans shall be allowed to renew the loan if

the borrower has paid at least 12 monthly installments but not earlier than the anniversary date of the previous loan.

Members who can avail of the include those who are bonafide employees of the agency located in the declared calamity area or is a resident of the declared calamity area; are in active service and not on leave of absence without pay; have no pending criminal or administrative charges; have no arrearages in the payment of mandatory social insurance contributions; and have no loan that has been declared in default.

The agency of the memberapplicant must not also be suspended because of non-payment and non-remittance of premiums and loans.

Members eligible to avail of the GSIS Emergency Loan program can apply via the G-W@ PS (GSIS Wireless Automated

Processing System) kiosk using their eCard or their UMID eCard.

Members who do not have an eCard but who are eligible to apply for the loan can apply via over-the-counter (OTC) at any GSIS office. Proceeds of OTC applications will be credited to a temporary eCard which the GSIS is now distributing.

Vergara added that the pension fund has granted P1.68 billion in emergency loans for the period January to August this year to assist members who suffered from the recent spate of calamities.

The amount includes emergency loan assistance previously granted to members working and/or residing in Jolo, Sulu; in the province of Samar; Southern Leyte; Albay, Camarines Sur, Davao City; Pikit, North Cotabato; Cotabato City; Maguindanao; and the entire provinces of Pampanga; and Bulacan.

GSIS emergency loan interest reduced

BusinessWeek

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October 10-13, 2011

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6

October 10-13, 2011

Companies

Filinvest caravan winds through Europe THE overseas Filipino worker is truly a winner. This was the message carried by Filinvest in its successful OFWinner caravan as it traveled across key European cities. The social awareness program is the campaign of Filinvest International that aims to uplift the image of Filipinos abroad by cultivating their sense of pride in being OFWs. The caravan winde d through Milan, Rome, Ma-

drid, Barcelona, London, Wales and Paris, to Geneva, Zurich, Vienna, Brussels and Monte Carlo, drawing support from the Filipino community who attended the events. Representatives of Filipino civic groups and the Philippine Embassy also joined the festivities.

The main highlight of the caravan was the inspirational talk of Francis J. Kong, one of the country’s most-sought after motiva-

tional speaker, author of 14 best-selling books and conductor of leadership training workshops.

The caravan also presented the latest property development projects of Filinvest Development Corporation.

Aside from offering their dream homes, the projects also presented the opportunity to invest in a house.

Filinvest International is the sales and marketing arm of Filinvest overseas.

MINING AT the Taganito project site in Surigao del Norte has resumed two days after it was occupied by an armed group, Nickel Asia Corp. said on Friday.

“We are pleased to advise that Taganito Mining Corp.

(TMC) has resumed mining operations and estimate we can commence loading operations of our nickel ore within the next three weeks,” Nickel Asia said in a filing to the Philippine Stock Exchange.

The notice was sent out after some 300 armed men raided the jobsite and burned down equipment. The damage has been estimated at P500 million, Nickel Asia said.

A number of shipments of its subsidiary TMC, will be diverted to other mines in the meantime, Nickel Asia added.

“Consequently, we do not expect a significant reduction in our shipment tonnage for the year,” Nickel Asia said further.

It noted that approximately 25% of total shipments from TMC for the year or an estimated 500,000 wet metric tons, have been scheduled for delivery in the fourth quarter.

“TMC has more than sufficient funds to cover the damage and is embarking on a procurement program to replace the damaged equipment and repair the structures,” Nickel Asia said.

Damage to the nickel processing plant undergoing construction adjacent to the mine site is meanwhile seen to be minimal.

Nickel Asia said that despite the recent attack, the firm is going to pursue the project.

“Whatever may have been the political agenda for this unfortunate incident, the company will not be deterred in its mission. We will proceed with the project and our partners join us in this resolve,” it said.

The attack will not deter

investors as long as support from the government and host communities is assured, Rocky G. Dimaculangan, vice-president for communications at the Chamber of Mines of the Philippines, said in a telephone interview yesterday.

“We are determined on the condition that we have the support of host communities and the government. Without thus condition, no investment in whatever industry will prosper,” he said.

Asked if foreign companies undertaking the exploration and development of mine sites with local mining firms are rethinking their investments in the country due to the insurgency attack, he said: “There are no indications along those lines.”

Nickel Asia’s net income rose 149% to P1.73 billion in the first half of the year from the P694.6 million in the same period in the previous year.

Solon...

Congressman Vicente Belmonte, Jr., of the Lone District of Iligan City, delivered by his chief of staff, Queenie Belmonte.

The Congressman com-

mends the Department of Trade and Industry (DTI) and SP Committee on Trade and Industry Chairperson, SP Kagawad Frederick W. solon/PAGE 13

Taganito mining resumes after attack

from page 2

business and economy should flourish.

This was the message of

mindanao

Nestlé Buildings Worldwide Go Greener NESTLÉ’S efforts to construct more environmentally friendly buildings for its operations receive international recognition.

An innovation centre built by Cereal Partners Worldwide (CPW SA) in Switzerland has been recognised as a leading example of sustainable design.

The firm, a joint venture between Nestlé and General Mills, has been awarded a platinum certification by the United States Green Building Council for the building in the Swiss city of Orbe.

It is the first time a Swiss building has won the highest level of certification the council awards to recognise leadership in energy and environmental design (LEED).

The centre uses water from melted alpine snow for its cooling systems, an innovation that helps reduce energy usage by a third.

More than 50,000 gallons of rainwater are collected and stored in tanks for irrigation and for use in sanitary facilities at the site.

Burned ground coffee waste produces steam to provide a back-up source of heating.

And more than half the building was constructed using locally-sourced recycled materials.

‘Pioneering achievement’ Nestlé and General Mills set up the joint venture CPW to produce and sell ready-toeat breakfast cereals worldwide beyond the US and Canada.

The innovation centre is part of CPW’s global Research and Development network.

It focuses on ideas to improve nutritional content, freshness, taste and texture for the firm’s well-known breakfast cereal brands like Fitness, Cheerios and Nes-

Project EMPOWERinG Enhanced Monitoring System on POverty Watch for a more Effective and Responsive Approach in Governance

BusinessWeek

quik.

“This pioneering achievement represents a best-inclass intersection of sustainability and innovation,” said Mayank Patel, Vice President for Research & Development, and Nutrition and Regulatory Affairs, at Cereal Partners Worldwide.

“CPW is proud to be driving innovation in the global breakfast cereals category from Switzerland’s first LEED Platinum facility. This reflects General Mills and Nestlé’s shared commitment to environmental sustainability,” he added.

‘Prime example’ “Nestlé’s LEED certification demonstrates tremendous green building leadership,” continued Rick Fedrizzi, President and Chief Executive Officer of the US Green Building Council.

“The urgency of the Green Building Council’s mission has challenged the industry to move faster and reach further than ever before, and Nestlé serves as a prime example with just how much we can accomplish.”

‘Feel good’ Switzerland isn’t the only place in the world where Nestlé is developing greener buildings.

In the United States, Nestlé Waters North America (NWNA) last month received the LEED Gold certification for its headquarters in Stamford, Connecticut.

It was the company’s tenth LEED-certified building in the country.

Energy-saving measures introduced include a low-energy lighting system, an employee shuttle to encourage the use of public transport, and using furniture, carpet and ceiling tiles made out of recycled materials.

“We feel good coming to work every day, being part of and showing visitors the innovative, green features of our office building,” said Kim

Jeffery, President and Chief Executive Officer of NWNA. ‘Responsible corporate citizen’ Elsewhere in the US, Nestlé Purina PetCare is converting the sun’s rays into renewable energy at its Flagstaff pet food factory in Arizona.

The factory, which produces brands such as Purina One BeyOnd, has 1,900 solar panels on its rooftop.

“Our solar array – the largest in the region for a private enterprise, shows this community, our consumers and our associates that Nestlé Purina is a leader in this area and a responsible corporate citizen,” said Bill Calloway, Flagstaff Factory Manager, for Nestlé Purina PetCare US. “The renewable energy captured by the solar panels in one year is estimated to offset the annual greenhouse gas emission from 88 passenger vehicles,” added Tom Burke, Engineer and Project Manager, at the Flagstaff factory.

Sawdust and coconut shells Currently, 21 Nescafé factories worldwide are using spent coffee grounds as renewable energy source.

The latest is the Cagayan de Oro Nescafé factory in the Philippines.

It uses a special boiler to recycle and burn spent coffee grounds, sawdust and coconut shells to produce renewable energy.

As a result, over twothirds of its oil consumption has been reduced.

Fossil energy In Africa, the Cerelac infant cereal production factory in Tema, Ghana, is equipped with the latest food processing technology.

This has helped reduce fossil energy consumption by around 15%.

Also, the new chillers at the factory use natural refrigerants to lower both emissions and production costs.

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Family Bank is stable: GSIS THE Government Service Insurance System, principal owners of the GSIS Family Bank, gave assurance on Tuesday that its thrift bank unit is stable after its depositors recently worried over its long-term viability.

GSIS president and general manager Robert Vergara gave assurance that the state-owned pension fund is behind its thrift bank unit 100 percent no matter the parallel plan to sell the lender to thirdparty investors as part of its divestment and streamlining program.

Worries over the bank’s stability surfaced in the wake of a legislative initiative looking into its finances on the basis of impressions by certain members of the House of Representatives that the bank may not be in the pink of financial health.

“The rumors circulating refer to losses incurred several decades ago and the problems of the past have been satisfactorily addressed. As a result, the bank maintains a stable and growing deposit base as well as ample liquidity to meet all its obligations and take advantage of business opportunities,” Vergara said in a statement sent by email.

Vergara stressed GSIS Family Bank is well capitalized, its capital adequacy ratio, which measures its ability to sustain losses without having to infuse fresh capital, stands at 29.8 percent as of latest.

This was nearly three times the regulatory minimum of only 10 percent mandated by the Bangko Sentral ng Pilipinas on all types of banks operating in the Philippines.

This also compares with the international norm of only eight percent.

Former GSIS president and general manager Winston Garcia earlier announced and subsequently withdrew a plan to sell the lender to third-party investors. Vergara has relaunched the bid to dispose of GSIS Family Bank to enable the pension fund to focus on its core function of managing the financial affairs of its government sector members.

The original plan to sell the bank generated the interest of more or less 10 potential buyers although only two were eventually named.

These included the Paris-based BNP Paribas and the Industrial and Commercial Banking Corp. of China.

Vergara said they have enlisted the support of the Development Bank of the Philippines working in tandem the Dutch financial services giant ING Group and its Manila unit ING Bank as financial advisors to the planned sale.

Vergara, without citing numbers, said the proposed sale has also generated the interest of “several entities including foreign banks.”

GSIS Family Bank was privately owned prior to October 1999 when the pension fund acquired the bulk of its equity structure.

It is one of only 13 lenders in the National Capital Region authorized by the BSP to engage in microlending, an activity much favored by the regulators who have encouraged thrift and rural bank entities to engage in it by throwing in a number of policy and structural incentives.

7 Banking BPI launches mobile banking facility for corporate clients October 10-13, 2011

THE BANK of the Philippine Islands (BPI), the country’s third largest in terms of assets, has launched a mobilebased cash management system dubbed “BPI Expresslink Mobile.”

“BPI Expresslink Mobile is the country’s first mobile banking platform for businesses...

This will allow executives to do banking transactions wherever they are,” said Bess J. Basa, BPI vice president and cash management head, in a press briefing on Friday.

Expresslink Mobile is the mobile version of Expresslink, which allows BPI corporate clients to check their account balances, approve financial transactions, do inter-company fund transfers, pay corporate bills and make payments to government agencies, among others, online.

Expresslink, however, does not allow clients to make interbank transactions, but Ms.

Basa said BPI is working with other banks to allow this. She said the this new capability will be launched in 2012.

Ms. Basa said Expresslink Mobile will help clients save on operational costs as they shift to automated transactions from manual processes. She added it will also help clients save on time, as they complete various transactions using just their mobile phones.

Security is very tight, as it uses a 128-bit encryption that will prevent unauthorized eavesdropping on electronic data flow. Also, users are automatically logged out of their accounts after 10 minutes of inactivity, and usernames and passwords cannot be stored in the phone.

In case clients lose their phones, they just need to contact their BPI relationship managers or any transaction banking officer to deactivate the phones.

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All windows w/ concrete grills entire lot 1.5 ft. elevated frm road. Lot Area: 150 sq.m., floor: 75 sq.m. Location: B1 L3, Scions Subd., Kauswagan, CDO Contact: 09279518081 (ALEX)

As for the transaction fees, Ms. Basa said clients have the option to be charged a fee per transaction or maintain an average daily balance of P20,000.

BPI allocated between P15 and P20 million to come up with the mobile system.

The bank has been launching new electronic banking innovations as it celebrates its

160th anniversary this year.

In April, it launched the Investment 3.0, a service that will allow clients to make investments online.

It also rolled out the customer transaction assist machines, which eliminate queueing among clients wanting to make deposits, payments or withdrawals, at its over 800 branches nationwide.

Republic of the Philippines REGIONAL TRIAL COURT OF MISAMIS ORIENTAL 10th Judicial Region BRANCH 38 Cagayan de Oro City NOTICE OF EXTRA-JUDICIAL SALE File Number 2011-410 UPON EXTRA-JUDICIAL PETITION FOR SALE under Act 3135, as amended by Act No. 4118, filed by Home Development Mutual Fund (otherwise known as Pag-ibig Fund), with principal office at The Atrium of Makati, Makati Avenue, Makati City, with branch office at Pag-ibig Fund Bldg., J.R Borja Street, Cagayan de Oro City, against MARK ANTHONY A. ZAMBRANO, married to Nichie O. Zambrano, with postal address at Block 7, Lot 6, Burgos Street, Regency Plains Subdivision, Iponan, Cagayan de Oro City, to satisfy the mortgage indebtedness which as of July 1, 2011, amounts to Six Hundred Seventy Two Thousand Three Hundred Sixty Seven Pesos & 83/100 (Php 672,367.83), Philippine Currency, as principal, interest, charges, excluding attorney’s fees and expense of foreclosure, the undersigned sheriff or his deputies will sell at public auction on OCTOBER 24, 2011, at 10:00 A.M. to 4:00 P.M. or soon therafter at the Office of the Regional Trial Court, Branch 38, 2nd Floor, Hall of Justice, Hayes Street, Cagayan de Oro City, to the highest bidder, for cash and in Philippine Currency, the following real property, with all the improvements found thereon, to wit: “TRANSFER CERTIFICATE OF TITLE NO. T-195785 A PARCEL OF LAND (Lot 6, Block 7, of the Cons. Subdivision plan, PCS10-001781, being a portion of Lot Nos. 3650, 3651, 3653, 3654, all of CAD 237, Cagayan Cadastre, Lot 3649-A, Psd-10-022211 & Lot 3649-B-1, Psd-10-022978). Situated in the Barangay of Iponan, City of Cagayan de Oro, Island of Mindanao. Xxx, containing an area of (80) square meters, more or less, xxx.”

In the event the public auction should not take place on the said date for whatever reason, the same will proceed on the following working day without further notice, posting and publication.

Prospective buyers/bidders may investigate for themselves the title above-described and encumbrances thereon, if any there be.

Cagayan de Oro City, September 19, 2011.

FOR THE EX-OFFICIO PROVINCIAL SHERIFF:

(Sgd.) REYNALDO L. SALCEDA Sheriff IV BWM Oct. 3, 10 & 17, 2011

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BUREAUS/agents cebu cityraul cardona- 0927-2251300 Cagayan de Oro - RIZApalabaoO. ARES-0910-6681733 0920-9600223 Davao City - jessie cebu citycardona0927-2251300 Butuan Cityraul - OBET SAMONTE0905-7495220 Davao City- MARY - jessie palabaoBukidnon ANN NOBLE -0910-6681733 0916-7276618 Butuan City -cityARJAYed FELICILDA - 0949-328-4099 Valencia baul - 0920-9019294 Butuan City roberto - OBET SAMONTE0905-7495220 ozamiz city- atty. cantago jr. - 0918-8070707 Bukidnon - MARYM.-MANLAPIGANN NOBLE - 0916-7276618 Mis. Occ. - MARISA 0928-9538828 Kibawe, Buk.City - MILDRED 0917-408-6905 Gingoog - willyTORREJAS ramos- -0926-1691016 Valencia cityedFelicilda-0906-7389130 baul - 0920-9019294 west Mis. Or. - Jun ozamizEast cityatty. cantago jr. - 0918-8070707 Mis. Or.roberto - Jessie Dahay - 0935-9058038 Mis. Occ. - MARISA M.-MANLAPIG- 0928-9538828 Lucresia jerusalem-puerto,cdo Gingoog City- -Sony willySudariaramos- 0926-1691016 ARMM Region - 0917-3247258 west Mis. - Jun Felicilda-0906-7389130 Iligan CityOr. - LENNETH V. GULA- 0918-2986719 East Mis. Or. - Jessie Dahay - 0935-9058038 Iligan City - Rolly tomawis-063-223-8366 Lucresia Marawi City -jerusalem-puerto,cdo ASA MADALE- - 0916-1590131 ARMM Region Sudaria- 0917-3247258 Lanao del- Sony Sur - sahria maruhom Iligan City/Lanao - JEFFREYTAPITANOPONDA 0926-1888871 - 0935-2796817 Maranding - ELEANOR Marawi - ASA MADALE- 0916-1590131 Zambo CityCity - CAMCER I. ORDOÑEZ0908-7804348 Zambo City CITY- CAMCER I. ORDOÑEZ0908-7804348 PAGADIAN AL FRANCISCO - 0912-8484037 PAGADIAN CITY- AL FRANCISCO - 0912-8484037 Ipil, Zamboanga Sibugay -ALBERTO ALCORIZA Ipil, Zamboanga -ALBERTO ALCORIZA Cagayan de Oro -Sibugay JOE PALABAO - 0905-1569709 Cagayan de Oro - JOE PALABAO 0905-1569709 Puerto, CDO - VICTOR ALCOVER--0926-9778513 Puerto, CDO- David - VICTOR ALCOVER0926-9778513 Claveria sudaria0926-1096831 Claveria David sudaria0926-1096831 Manolo Fortich, Buk. - ALFONSO LEDESMA Agusan Sur - manuel egay - 0925-213-1640/0999-472-9236 Member: Member: Cagayan Cagayan de de Oro Oro Chamber Chamber of of Commerce Commerce and and Industry Industry Foundation, Foundation, Inc. Inc. (Oro (Oro Chamber) Chamber) Misamis Misamis Oriental Oriental -- Cagayan Cagayan de de Oro Oro Association Association of of Publishers Publishers (MOCAP), (MOCAP), Inc. Inc.

Opinion

BusinessWeek

mindanao

A Bad Teacher

THINK a Minute…

Do you sometimes feel that the only way your kids will listen and obey you is if you get angry with them? We can understand the school teacher who said she hates her job because the only way she can control her class of naughty children is to always be angry with them!

Many parents get so tired and frustrated from being angry with their children.

But we think our being angry is the only way our kids will take us seriously. But does using anger really work to teach our children well?

Imagine you’re driving your car too fast, breaking the speed limit. And a policeman who is not on duty

or in uniform sees you. But he has no authority to stop and ticket you. So this policeman gets angry and starts screaming and yelling at you as you speed by. Would you slow down and drive by the rules just because a man by the road is angry and screaming at you? Probably not! So the only thing that man accomplished was to make himself look foolish.

But we parents sometimes do the same thing when we use our anger to correct and teach our children. When our kids see us not able to control our own anger, it’s hard for them to truly respect us. Because we expect them to do something we cannot do ourselves.

That’s why anger is a bad teacher. But when we keep our cool and control our anger each time we correct or discipline our children, we’re teaching our kids well, not only by what we say, but by our example of how controlled and calmly we say it.

But you know, even patient, good parents have their limits! And kids sometimes push us past our limits. That’s why we need Jesus Christ to give us His supernatural patience and love every day. Only His kind of will power can help us control our anger, no matter how stressful or maddening our kids get! So friend, won’t you ask Jesus to forgive you for your past mistakes and

failures as a parent, and ask Him to take full charge of your heart and character everyday? Because it’s only then we can become the good example and parent our kids need.

Just, think a minute…

Seeing the ghosts of our times go to jail GHOSTS transmit electronic waves when they mix with the living. The reason we feel ghost bumps and our hairs stands up on end when we are in a place proven to be haunted.

Halloween is just around the corner, November 1, is All Saints Day, the next day is All Souls Day. In the Philippines the succeeding days are both dedicated for the dead. In some Asian countries where Buddhism is practiced celebrating the festival for the dead is in August.

On November 1 and 2, Filipinos are expected to troop to the cemeteries. Memorial gardens for the affluent and heritage parks for the famous. But whether we remember our dead in Bolunsori or pray at the gated memorial parks with manicured grass, the meaning is all the same, may the souls rest in peace.

People who were dear to us and those who touched our lives when they were living are missed and remembered. How we value the deeds of those who departed, we remember them in memory.

Perhaps to express our love and gratitude, candles are lighted, their favorite food

is brought to their graves and prayers are said for the eternal repose of their souls.

Cemeteries are feared on the other period of the year. The belief that ghost lives there makes us scamper when we passed by on these lonely places. Driving alone in the evening in a four seater vehicle one feels creepy with cold air in our back if we see crosses laid in street landmarks.

Does ghost really exist?

Yes Virginia, in Trans meditations and the bizarre, spirits can be seen in the field of dreams. Students ask ghosts intervention to pass their exams through the spirit of the glass.

To the believers, souls of great men from Albert Einstein to Jose Rizal are asked to move the glass for the right answers.

In the government, they have been with us since Manuel L. Quezon fought for our independence. Remember his famous by lines, “I would rather see the Philippines run like hell by Filipinos rather than like heaven by the Americans”.

Today under the blessings of independence, ghosts are part of our lives. Everywhere our country is haunted from

Aparri to Jolo, we have Ghost employees who shows up every 15 and 30tth day of the month in government offices.

Ghost farm to market roads in the Department of Agriculture disbursements and Ghost voters during elections to name a few.

The mere mentions of Ghosts, COA Auditors, are the most privileged officials in the land to have discovered them. Recent revelations were Ghost loans granted

by Government Financial Institutions to the allies of the previous administration.

They come in many forms bleeding the Philippine treasury.

In Philippine elections, Ghosts were suspected in making a Senator win until revoked through an electoral protest but saved through an honorable exit.

Ghosts in the government deprive poor people of the basic services. It also makes few privileged people rich. Contingent, to which side you are, Ghost really exists because many politicians would like to run their governance like hell. Ghosts also cause more declining sentiments in the consumer sectors over rising fuel and household’s prices and more

people out of jobs.

Filipinos are getting more pessimistic about income and growth prospects. According to the Central Bank Statistics on Consumers Confidence, the index went down negative 18.7% compared to the same period last year.

No matter how government officials advertised their palliative infrastructure projects, it remains negative in the minds of the public.

After all, money spent for those projects are people’s money.

There are also many instances that Ghost projects are funded by tax payer’s money proof is with the voluminous cases under litigation at the Ombudsman? May the Ghost buster, put them in jail this November.

security, bring them into the fold of the formal financial system, and allow them to participate more meaningfully in the country’s economic development.

BSP officials, as well as officials from the Department of Trade and Industry (DTI) and the Department of Agriculture (DA), have been invited to give lectures on topics such as the importance of remittances, financial planning, investment and business options, and agribusiness opportunities.

Lastly, the Financial Education Expo offers various financial education activities for students, employed individuals, and professionals.

It features learning booths with audio visual presentations, graphic displays, and in-

teractive activities that explain the importance of financial education, the Philippine financial system, basics of budgeting, saving, investing and borrowing, financial planning for life-cycle events, and credit card awareness.

The expo aims to help participants become self-reliant in promoting their financial welfare.

BSP promotes financial literacy FINANCIAL literacy: what is it and how is it important to us Filipinos?

Financial literacy, or awareness of basic financial concepts, is one of the advocacies of the Bangko Sentral ng Pilipinas (BSP).

The BSP has taken a proactive stance in embarking on a consumer education program that seeks to improve the Filipino public’s basic financial literacy.

At present, the BSP conducts a series of activities under its Economic and Financial Learning Program (BSP-EFLP).

The BSP-EFLP consolidates the BSP’s outreach educational activities under one flagship program. This program consists of a series of

learning sessions and activities which seek to promote greater awareness and understanding of essential economic and financial issues.

The learning sessions and activities are expected to help the people make wise financial decisions.

The program is also an embodiment of BSP’s goal to promote economic and financial education among its stakeholders, who can more effectively become the central monetary authority’s partners in maintaining the efficiency of monetary policy and ensuring a stronger and safer banking and payments system.

The BSP-EFLP has the following component programs: the “Be up to Speed on BSP,” which explains the role of

the BSP in the economy; the “Paghahanda sa Kinabukasan” Financial Learning Campaign for Overseas Filipinos and Their Beneficiaries; and the Financial Education Expo, which targets the Filipino work force and students.

The “Be up to SPeed on BSP” covers topics on recent economic developments and the role of the BSP in the economy, with special emphasis on the three pillars of central banking: price stability, financial stability, and efficient payments and settlements system.

The Public Information Campaign (PIC) also discusses The New Generation Philippine Currency in one of its sessions. It targets a broad audience, including students,

faculty and other members of the academe, businesses, government agencies, and members of the media.

The “Paghahanda sa Kinabukasan” Financial Learning Campaign for Overseas Filipinos and their Beneficiaries (FLC-OF), on the other hand, is organized in coordination with the Overseas Workers Welfare Administration (OWWA).

It aims to educate participants on the importance of using remittances to build up savings and to invest in financial products and business ventures.

Through this special learning campaign, the BSP hopes to help overseas Filipinos and their beneficiaries attain financial independence and

BusinessWeek mindanao

Views.Opinion

Strinking thinking? Love is the answer!

By Rey and Francis Thaise Cimene

Nowadays, stress has become a common malady that cuts across different groups of people in all walks of life.

Samuel H. Klarreich in his book “The Stress Solution” identified the following as warning signals of stress: rapid breathing, increased heart rate, withdrawal, headaches, chain smoking, chest pains, insomnia, ulcers, and reduced sex drive, symptoms often accompanied by thoughts and feelings of despair or panic attacks.

He listed Sixteen Irrational Thoughts that could trigger feelings of dread and some of these are: (1) something terrible will happen to me if I make a mistake; (2) there is a right way and a wrong way to do things; (3) it is awful and horrible to be criticized; (4) I must be approved of, all the time; (5) I must be competent, and I must be viewed as competent; (6) people in authority should never be challenged; (7) life in the workplace must be fair and just; (8) I must be in control all of the time; (9) I must anticipate everything; (10) I must have things the way I want them, and a lot more.

These kinds of thoughts really stink and are oppressive. It could leave us dysfunctional in our everyday life and if prolonged, this could lead to serious diseases and even suicide. So, the question now is: How can we fight this stinking thinking?

One proven formula is found in Philippians 4:8 which says: “…whatever is true, whatever is noble, whatever is right, whatever is pure, whatever is lovely, whatever is admirable---if anything is excellent and praiseworthy--think about such things.”

It means that if it is not true, noble, right, pure, lovely, and

admirable, do not let it enter your mind.

The previous week, we have heard about a woman who felt so unloved and killed her husband inside a mall and attempted to kill herself but failed. Within the same week, a young boy of thirteen killed his boyfriend and then killed himself all for the same reason. Both were victims of stinking thinking. Both thought they are unloved.

This kind of thinking is wrong and should not be entertained for the Bible said: “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life” (John 3:16).

Indeed, there is no greater love than the love of God and to borrow the words of Max Lucado “Jesus would rather die than go to heaven without you.” We did not do anything to earn God’s love and we can do nothing to lose it. We are secure in God’s for he declared in Jeremiah 31:3 “…I have loved you with an everlasting love; I have drawn you with loving kindness.”

For this reason, one of the most important ministries of the Holy Spirit is for us to know how much God loves us. Once we are filled and overflow with the love of God, we will have so much love for everyone that we can love even those who hurt us. That’s the power of God’s love and that’s what the Bible is all about. It is then very clear that what the world needs now is a great dose of God’s Word for us to know how high, how wide, how deep is the love God has for us. In such a way, we can fight that stinking thinking plaguing our society and keep ourselves from becoming one of its casualties.

October 10-13, 2011

9

Hepatitis B: The Outcomes (First of Two Parts) Just this week, I received a text message from a patient, who was kind of in a panic mode. She was admitted for vaginal bleeding and eventually had to undergo dilatation and curettage ( D&C ) for blighted ovum. But it was not the abortion that caused the panic attack, rather, it was the incidental finding of a laboratory result that stated “ HBS Ag Reactive.” In simple terms, she was informed that she is infected with Hepatitis B. Hepatitis is a disease that is caused by a virus, and ranges from A, B, C, D and recently, E , depending on what type of virus is causing the illness.

Each of these types has various characteristics, with nearly similar presentations and different modes of transmission, with certain overlaps , of

course.

Our main interest for now, is B. Hepatitis B is a common illness, particularly among developing countries.

The virus is transmitted via blood, or any bodily fluids like semen, saliva, that contains the infectious agent. Broken skin or mucous membranes are entry points, too. Thus, risk is higher among those who have multiple sexual partners, men having sex with men ( MSMs ), Drug and IV injecters, and those whose partners are diagnosed to have Hepatitis B .

Infants born to mothers who are diagnosed with the disease are likely to get it. Patients who have multiple blood transfusions, those who have frequent dialysis for kidney problems, and even healthcare workers are possible candidates for contracting the disease.

A certain percentage of

HEALTH IN FOCUS

dr. mary jean loreche-diao patients are known to have the disease with an unknown source of transmission!

The clinical manifestations of the illness is actually compared to that of “ FLU “. This is understandable considering that flu is also caused by a virus.

Thus, patients may come in for fever, which is often low grade.

There may be appetite loss, weakness or easy fatigability, nausea and vomiting and abdominal

pain, which is right sided.

Others may just come in for yellowish discoloration of the skin or the sclerae ( that white portion of the eyes )or what we call as Jaundice in the medical parlance.

What is notable is when asked as to color of the urine, it is often describes as tea or cola colored!

These manifestations do occur within 30 days to 180 days from exposure to the virus.

It is important to note though that approximately ½ of those that have the virus may not present with any symptoms at all!

Which is what happened to this particular patient. And in instances where patients have incidental findings, meaning getting examined or admitted for a different reason and then found out to have another disease is kind of surprising at times.

Franchising 101 I n a world in which business strategies and techniques are continually improving, superior customer relations and outstanding supplier relationships are critical.

In many ways the franchise relationship is the definitive expression of this principle.

A Franchisor and its Franchisees jointly contribute to a supply system for products or services focused on the customer.

They obligate themselves to each other under an agreement and endeavor to establish a durable, longterm relationship that will impact virtually every aspect of their respective business and protect that supply system. Few other business arrangements are so all encompassing.

Unless a Franchisor and its Franchisee deliver to

each other what they have promised, the supply system to the customer will be compromised.

The mutual commitment of the Franchisor and Franchisee to their network and resulting consistently high level of customer approval of their products or services easily recognize good franchise systems.

Franchising is a contrac tual relationship.

The Franchisor and the Franchisee each make commitments and agree to operate under certain constraints. In the aggregate, these commitments and constraints constitute the structure of a franchise relationship. That structure must protect the Franchisor and all Franchisees of the franchise network and afford opportunity and security

FRANCHISING

Rudolf A. Kotik of the Franchisee. There are a number of elements of the structure of a franchise relationship that are critical to its effectiveness as the foundation for an expanding franchise network.

Franchisors control the products and services that their Franchisees are permitted to sell in order

to control quality of the goods and services sold

by Franchisees. Limiting the scope of the franchised business to those products and services that are within the scope of the Franchisor’s expertise and to preserve a uniform image. It is common for Franchisors to permit some Franchisee experimentation and variation because Franchisees are an excellent source of innovation, regional variations may be necessar y and different customer bases may require variations in product or service mix or different emphasis.

Rudolf A. Kotik is the Founder of RK Franchise C onsultanc y who developed more than 400 Franchises in the Philippines and can be reached through rk@rkfranchise. com

Encouraging SME’s to grow and expand IT is a fact that majority of the businesses in the Philippines are SME based. By definition small is categorized with asset of P3,000,001 to P15,000,001 and having between 10 to 99 employees. On the other hand Medium is classified as P15,000,001 to P100,000,000 with 100 to 199 people. Many agencies be it government, private and NGOs are focused in helping the SMEs. There is always a constant need to nurture this sector, as it will spell a robust economy aside from the creation of employment.

Now on its 3rd year The Philippine SME and Franchise Expo., is organized by Tradecon a Philippine based events company. Ms. Mildred Caballero,

Managing Director of Tradecon has teamed up with the country’s acclaimed Franchise Guru, Armando “Butz” Bartolome. A former OFW, Bartolome established a business called GMB Franchise Developers Inc. Together with his spouse Lyndah, their 19-year-old company has assisted many micro entrepreneurs become big names in the industry. Many people may not be aware but the couple works behind the scenes in encouraging SMEs. Brands like Mang Inasal, Laybare, Fiorgelato, Generika, Freska, Julies, Baliwag Lechon Manok, Bibingkinitan, Cut Encarnacion, El Buono Pizza, Chicco D Café, Vcargo, Bayad Center and Chicharrific are names with instant

recall and popularity. In fact, they have even brought Potato Corner beyond the shores like United States and other countries.

Bartolome whose favorite slogan is “Your Growth Potential My Passion” had to face numerous challenges during the early stages of the business.

With lessons, he began to share and mentor entrepreneurs. He knew that the way to a man’s heart is to teach him how to fish.

Thus he became so passionate that he often travels (air land and sea) to give seminars to almost every town in the country.

During his stint overseas in the early 80’s, he saw how Franchising could be an effective tool in expanding a business. This be-

came his battle cry to convince entrepreneurs to try and see the results. Aside from public seminars, he and his wife began to write articles in magazines like Entrepreneur, SME of Planters Bank and other periodicals such as Business Mirror. They too have published books of which the most recent is entitled “Is Franchising For You?”.

With the clamor for seminars, Bartolome branched out and started Franchise Institute of the Philippines (FIP). His aim is pursue for more awareness on Responsible Franchising. More and more programs are in the pipeline to establish alliances with different institutions like colleges and NGOs. Bartolome is one of the

chosen Angelpreneurs of the popular Go Negosyo. This is

a group of entrepreneurs who volunteer their time to rub elbows with people from all walks of life.

On October 27 to 29, 2011 at the Philippine International Convention Center (PICC), Bartolome has taken time out to meet and share ideas and success stories with visitors.

He also sought and invited his friends who are dynamic speakers and at the same time practicising entrepreneurs to talk on topics like trademark values, Corporate Social Responsibility (CSR), Proper Mindset, Product Development and from an employee to becoming a successful franchisee.

Register for free admission www.smexpoph.com

BusinessWeek

10 October 10-13, 2011

mindanao

EXTRA-JUDCIAL PARTITION/SETTLEMENT OF REAL PROPERTY

EXTRA-JUDICIAL PARTITION/SETTLEMENT OF REAL PROPERTY KNOW ALL MEN BY THESE PRESENTS:

KNOW ALL MEN BY THESE PRESENTS:

This extra-judicial partition/settlement of real property, is entered into among Heirs of VIRGILIA A. RADAZA, represented by her children: 1) Alexander Radaza; 2) Roldan Radaza; 3) Heirs of Nestor Radaza, represented by his wife: Nolita 0. Radaza and children: Gay Nanette R. Aleria; Guy Nelson Radaza and Guy Nolito Radaza; and 4) Heirs of Noel Radaza, Sr., represented by his wife: Lilia Radaza, and children: Jonathan Radaza, Jonas Radaza, Andresa Radaza, and the late Noel Radaza, Jr., represented by his wife: Rachel Radaza and minor children: Roy D. Radaza and Arianne Pearl Radaza, all of legal ages except for the two (2) minor children of Noel, Jr., all married and widow, respectively Filipino citizens and residents of Cagayan de Oro City.

WITNESSETH That the parties hereto, are the sole and legitimate heirs of the late Virgilia Radaza, who died last March 3, 2010 at Cagaya io Ore City; That the late Nestor Radaza, left a share of the commonly owned property, more particularly described as follows: TCT- No. T-193634

Lot : Lot 2038 A-3-B, Psd-11. 058473

Portion of Lot : Lot 2038-A-J-Psd-10-053639

Land Use : Residential

Location : Macasandig, Cagayan de Oro City Boundaries:

NE., lines 2-3-4 by Lot 2038-A-3-A, Psd-10-058473

SE., lines 4-5-6 by Lot 2038-A-1, Psd 10-053689

(Road 20.00 m wide)

Lines 6-7-8 by Lot 2047, Cad-237;

SW., lines 8-9-10 by Lot 2038-B Psd-046941

NW., lines 10-1-2 by Cagayan River

Beginning at a point marked “1” on the plan being S. 12 deg 09E-766.13 m. from BLLM No. 1 Cad-237, Cagayan Cadastre

This extra-judicial partition/settlement of real property, is entered into among Heirs of CELMAR P. RADAZA, represented by the mother: LILIA P. RADAZA, and siblings: Jonathan Radaza, Jonas Radaza, Andresa Radaza, and Heirs of Noel Radaza, Jr., except for the two (2) minor children of Rachel Radaza, they are all of legal ages, all married and widow respectively, Filipino citizens and residents of Cagayan de Oro City.

WITNESSETH

That the parties hereto, are the sole and legitimate heirs of the late Celmar P. Radaza, who died last June 30, 2009 at Cagayan de Oro City;

That the late Celmar P. Radaza, left a share of the commonly owned property, inherited from his father, the late Noel Radaza, Sr., more particularly described as follows: TCT- No. T-193634

Lot : Lot 2038 -A-3-B, Psd-10-058473

Portion of Lot : Lot 2038-A-J-Psd-10-053689

Land Use : Residential

Location : Macasandig, Cagayan de Oro City Boundaries: NE., lines 2-3-4 by Lot 2038-A-3-A, Psd-10-058473 SE., lines 4-5-6 by Lot 2038-A -1, Psd-10-053689 (Road 20.00 m wide) Lines 6-7-8 by Lot 2047, Cad 237; SW., lines 8-9-10 by Lot 2038-B Psd 046941 NW., lines 10-1-2 by Cagayan River

THENCE; 2-2 N. 20 deg. 41’ E., 64.72 M. 2-3 S. 68 deg. 07 E., 20.01 m 3-4 S. 68 deg. 07’ E., 19.45 m.

4-5 S. 16 deg. 09 W., 41.54 m.

5-6 S. 12 deg. 54 W., 6-7 S. 50 deg. 20’ W., 58. 15 m.

7-8 S. 40 deg. 39’ W., 6.00 m.

8-9 N. 58 deg. 17’ W., 169.52 m.

9-10 N. 26 deg. 45 E., 9.48 m.

Area: EIGHTEEN THOUSAND NINE HUNDRED NINETY FOUR (18,994) square meters more or less Bearing : True Description of corner pts. 2,3,4 by PS, and the rest by old pts.

Original Date Survey : Nov. 1926 -July 1932 Subdivision Date Survey : June 19 2008 Date Approved : July 14, 2008 Geodetic Engineer : Romualdo Lagsa

That from the total area of 18,994 sq. meters, only 9,1415 sq. meters is the share of the late Virgilia Radaza, which shall be divided equally amount her heirs;

That to the best of our knowledge and information the aforesaid deceased left no debts or obligations;

That pursuant to Rule 74, Sec. 4 of the Revised Rules of Court and the parties hereto being of legal age and with full civil capacity to contract, do hereby divide and adjudicate among ourselves pro-indiviso or equally at 2,283.375 sq. meters for each of the above-mentioned legal heirs, as share of the said undivided property.

NOW THEREFORE, for and in consideration of the premises, and invoking the provisions of the Rule 74, section 1, of the Rules of Court, the parties hereto being of legal ages and with full capacity to contract, hereby these presents agree to divide and partition the above described real property, as described and stated above, adjudicating as they do hereby adjudicate, do hereby do hereby confirm and affirm the said individual partition, as the true shares of each of the persons indicated therein.

That in the event that any other property of the decedent should later be found which is not included herein above, the parties hereto further agree to distribute, divide, and adjudicate as they do hereby distribute, divide and adjudicate, as herein established and disposed; That we are executing this Extra-Judicial partition/settlement and to attest the veracity of the foregoing statements and to prove that we are affirming and confirming such partition, as the settled and agreed partition among ourselves of the above-described property.

IN WITNESS WHEREOF. We have hereunto affixed our signatures this 29th day of September, 2011 at Cagayan de Oro City, Philippines.

(Sgd.) ALEXANDER RADAZA

ID NO.R10-E-82003 Date lssued:03-30-2010

(Sgd.) ROLDAN RADAZA ID NO. G07-0-8733 Date Issued:04-26-2007

Heirs of Nestor Radaza, namely:

(Sgd.) NOLITA O. RADAZA Wife Phil-health ID No: 15-025124025-8 Children: (Sgd.) Gay Nanette Radaza-Aleria (Sgd.) Nelson Radaza Son Son

TIN No. ID 139-928-000 ID No. CRN-006-0073-6501-4 (Sgd.) Guy Nolito Radaza Daughter VIN 4305-0258-B-D1974 Heirs of Noel Radaza, Jr., represented by his wife:

(Sgd.) Rachel Radaza Wife ID No: 9789997 9-21-2011 Minor children:

KNOW ALL MEN BY THESE PRESENTS:

Beginning at a point marked “1” on the plan being S. 12 deg 09E., 766.13 m. from BLLM No. 1 Cad-237, Cagayan Cadastre THENCE; 2-2 N. 20 deg. 41’ E., 64.72 M. 2-3 S. 68 deg. 07 E., 20.01 m 3-4 S. 68 deg. 07’ E., 19.45 m.

4-5 S. 16 deg. 09 W., 41.54 m.

5-6 S. 12 deg. 54 W., 8.46 m.

6-7 S. 50 deg. 20’ W., 58.15 m.

7-8 S. 40 deg. 39’ W., 6.00 m.

8-9 N. 58 deg. 17’ W., 169.52 m.

9-10 N. 26 deg. 45 E., 9.48 m.

Area: EIGHTEEN THOUSAND NINE HUNDRED NINETY FOUR (18,994) square meters more or less Bearing : True Description of corner pts. 2,3,4 by PS, and the rest by old pts Original Date Survey : Nov. 1926-July 1932 Subdivision Date Survey June 19 2008 Date Approved : July 14, 2008 Geodetic Engineer : Romualdo Lagsa

That from the total area of 2,283.375sq. meters, only 456.675 sq. meters is the share of late Celmar Radaza, which shall be divided equally amount his heirs;

That to the best of our knowledge and information the aforesaid deceased left no debts or obligations;

That pursuant to Rule 74, Sec. 4 of the Revised Pules of Court and the parties hereto being of legal age and with full civil capacity to contract, do hereby divide and adjudicate among ourselves pro indiviso or equally at 91.335 sq. meters for each of the above-mentioned legal heirs, as share of the said undivided property.

NOW THEREFORE, for and in consideration of the premises, and invoking the provisions of the Rule 74, section 1, of the Rules of Court, the parties hereto being of legal ages and with full capacity to contract, hereby these presents agree to divide and partition the above described real property, as described and stated above, adjudicating as they do hereby adjudicate, do hereby do hereby confirm and affirm the said individual partition, as the true shares of each of the persons indicated therein.

That in the event that any other property of the decedent should later be found which is not included herein above, the parties hereto further agree to distribute, divide, and adjudicate, as they do hereby distribute, divide and adjudicate, as herein established and disposed; That we are executing this Extra-Judicial partition/settlement and to attest, the veracity of the foregoing statements and to prove that we are affirming and confirming such partition, as the settled and agreed partition among ourselves of the above-described property.

IN WITNESS WHEREOF. We have hereunto affixed our signatures this 29th day of September 2011 at Cagayan de Oro City, Philippines.

(Sgd.) LILIA P. RADAZA Wife

ID No: Children: (Sgd.) Jonathan Radaza Son

ID No: 950-141-074

(Sgd.) Jonas Radaza Son ID No: 8523501

(Sgd.) Andresa Radaza Daughter ID No: 1301-0007A Heirs of Noel Radaza, Jr. Represented by his wife:

(Sgd.) RACHEL RADAZA Wife ID No: 9789997-9-21-11 Children:

Signed in the presence of: ____________________________________________________________ Republic of the Philippines )s.s City of Cagayan de Oro City ACKNOWLEDGMENT Before me, A notary public for and in Cagayan de Oro, personally appealed the above mentioned persons, with their Identification Numbers and/or community tax certificate written below their names known to be and to me known to be the same persons who executed the foregoing instrument and they acknowledge to me the same their free and voluntary act and deed.

This instrument, consisting of Three (3) pages, including the page on which this acknowledgment is written, has been signed on the left margin of each every page thereof, and sealed with the notarial seal.

WITNESS MY HAND AND NOTARIAL SEAL this 29th day of September 2011, Cagayan de Oro City, Philippines.

(Sgd.) EVANGELINE TADLAS-CARRASCO NOTARY PUBLIC

Doc. No. 145 UNTIL DECEMBER 31, 2011

Page No. 29 ROLL NO. 33173

Book No. 13 TIN NO. 116-100-010

Series of 2011 PTR NO. 217531-A 01-04-11

IBP NO. 832046-1-5-11

ALL IN CAGAYAN DE ORO CITY

MCLE NO. I -0012327-10.03.07

MCLE NO. II -0008781-07.28.08

MCLE NO. III -0016885-05.02.10

BWM Oct. 3, 10 & 17, 2011

WITNESSETH

That the parties hereto, are the sole and legitimate heirs of the late Noel Radaza Jr., who died last September 7, 2010 at Cagayan de bro City;

That the late Noel Radaza, Jr., left a share of the commonly owned property, inherited from his father, the late Noel Radaza, Sr., more particularly described as follows:

TCT- No. T-193634 Lot : Lot 2038 A-3-B, Psd-10-058473 Portion of Lot : Lot 2038-A-J-Psd-10-053689 Land Use : Residential Location : Macasandig, Cagayan de Oro City

Boundaries: NE., lines 2-3-4 by Lot 2038-A-3-A Psd-10-058473 SE., lines 4-5-6 by Lot 2038-A-1, Psd 10-053689 (Road 20.00 m wide) Lines 6-7-8 by Lot 2047, Cad-237; SW., lines 8-9-10 by Lot 2038-B Psd-046941 NW., lines 10-1-2 by Cagayan River ` Beginning at a point marked “1” on the plan being S. 12 deg 09E., 766.13 m. from BLLM No. 1 Cad-237, Cagayan Cadastre

THENCE; 2-2 N. 20 deg. 41’E., 64.72 M. 2-3 S. 68 deg. 07 E., 20.01 m 3-4 S. 68 deg. 07’ E., 19.45 m.

4-5 S. 16 deg. 09 W., 41.54 m.

5-6 S. 12 deg. 54 W., 8.46 m.

6-7 S. 50 deg. 20’ W., 58.15 m.

7-8 S. 40 deg. 39’ W., 6.00 m.

8-9 N. 58 deg. 17’ W., 169.52 m 9-10 N. 26 deg. 45 E., 9.48 m.

Area: EIGHTEEN THOUSAND NINE HUNDRED NINETY FOUR (18,994) square meters more or less Bearing : True Description of corner pts. 2,3,4 by PS, and the rest by old pts Original Date Survey : Nov. 1926 - July 1932 Subdivision Date Survey June 19 2008 Date Approved : July 14, 2008 Geodetic Engineer : Romualdo Lagsa

That from the total area of 2,283.375 sq. meters, the share of his father from the commonly owned property, only 456.675 sq. meters is the share of late Noel Radaza, Jr., which shall be divided equally amount his heirs; That to the best of our knowledge and information the aforesaid deceased left no debts or obligations;

That pursuant to Rule 74, Sec. 4 of the Revised Rules of Court and the parties hereto being of legal age and with full civil capacity to contract, do hereby divide and adjudicate among ourselves pro-indiviso or equally at 152.225 sq. meters for each of the above-mentioned legal heirs, as share of the said undivided property.

NOW THEREFORE, for and in consideration of the premises and invoking the provisions of the Rule 74, section 1, of the Rules of Court, the parties hereto being of legal ages and with full capacity to contract, hereby these presents agree to divide and partition the above described real property, as described and stated above, adjudicating as they do hereby adjudicate, do hereby do hereby confirm and affirm the said individual partition, as the true shares of each of the persons indicated therein.

That in the event that any other property of the decedent should later be found which is not included herein above, the parties hereto further agree to distribute, divide, and adjudicate, as they do hereby distribute, divide and adjudicate, as herein established and disposed; That we are executing this Extra-Judicial partition/settlement and to attest the veracity of the foregoing statements and to prove that we are affirming and confirming such partition, as the settled and agreed partition among ourselves of the above-described property.

IN WITNESS WHEREOF. We have hereunto affixed our signature this 29th day of September 2011, at Cagayan de Oro City, Philippines.

(Sgd.) RACHEL RADAZA Wife

ID No: 9789997-9-21-11 Children: (Sgd.) Arianne Pearl Radaza Daughter

Represented by their mother:

(Sgd.) Roy D. Radaza Son

This extra-judicial partition/settlement of real property, is entered into among Heirs of NOEL RADAZA, Jr., represented by his wife RACHEL RADAZA, of legal age, and children: Roy D. Radaza (minor), Arianne Pearl Radaza, (minor), Filipino citizens, and residents of Cagayan de Oro City;

(Sgd.) Roy D. Radaza Son (Sgd.) Arianne Pearl Radaza Daughter

Represented by their mother: Roy D. Radaza and Arianne Pearl Radaza,

EXTRA-JUDCIAL PARTITION / SETTLEMENT OF REAL PROPERTY

(Sgd.) RACHEL RADAZA

Signed in the presence of: ____________________________________________________________ Republic of the Philippines )s.s City of Cagayan de Oro City ACKNOWLEDGMENT

Before me, A notary public for and in Cagayan de Oro, personally appeared the above- mentioned persons, with their Identification Numbers and/or community tax certificate written below their names known to be and to me known to be the same persons who executed the foregoing instrument and they acknowledge to me the same their free and voluntary act and deed.

This instrument, consisting of Three (3) pages, including the page on which this acknowledgment is written, has been signed on the left margin of each every page thereof, and sealed with the notarial seal.

WITNESS MY HAND AND NOTARIAL SEAL this 29th day of September 2011, Cagayan de Oro City, Philippines.

(Sgd.) EVANGELINE TADLAS-CARRASCO NOTARY PUBLIC

Doc. No. 144 UNTIL DECEMBER 31, 2011

Page No. 29 ROLL NO. 33173

Book No. 13 TIN NO. 116-100-010

Series of 2011 PTR NO. 217531-A 01-04-11

IBP NO. 832046 1-5-11

ALL IN CAGAYAN DE ORO CITY

MCLE NO. I -0012327-10.03.07

MCLE NO. II -0008781-07.28.08

MCLE NO. III -0016885-05.02.10 BWM Oct. 3, 10 & 17, 2011

(Sgd.) RACHEL RADAZA

Signed in the presence of: ____________________________________________________________ Republic of the Philippines )s.s City of Cagayan de Oro City ACKNOWLEDGMENT

Before me, A notary public for and in Cagayan de Oro , personally appeared the above-mentioned persons, with their Identification Numbers and/or community tax certificate written below their names known to be and to me known to be the same persons who executed the foregoing instrument and they acknowledge to me the same their free and voluntary act and deed.

This instrument, consisting of Three (3) pages, including the page on which this acknowledgment is written, has been signed on the left margin of each every page thereof, and sealed with the notarial seal.

WITNESS MY HAND AND NOTARIAL SEAL this 29th day of September 2011, Cagayan de Oro City, Philippines.

(Sgd.) EVANGELINE TADLAS-CARRASCO NOTARY PUBLIC

Doc. No. 146 UNTIL DECEMBER 31, 2011

Page No. 30 ROLL NO. 33173

Book No. 13 TIN NO. 116-100-010

Series of 2011 PTR NO. 217531-A 01-04-11

IBP NO. 832046 1-5-11

ALL IN CAGAYAN DE ORO CITY

MCLE NO. I -0012327-10.03.07

MCLE NO. II -0008781-07.28.08 BWM Oct. 3, 10 & 17, 2011

MCLE NO. III -0016885-05.02.10

mindanao

BusinessWeek

AggieNews

October 10-13, 2011

11

MRDP trains more environment advocates

A group of environment advocates was formed recently to help push the advocacy on environmental protection and conservation.

The Department of Agriculture’s Mindanao Rural Development Program (DA-MRDP)taps municipal personnel and representatives of people’s organizations as core of advocates to carry out advocacy and communication campaigns in 12 covered sites for year3 implementation of the Natural Resources Management (NRM) component.

They are the third batch of advocates.

In the training-workshop held in Davao City, MRDP have convened the information and municipal NRM focal persons in the towns of Dimataling, Zamboanga del Sur and Alicia, Zamboanga Sibugay from Region 9; Misamis Oriental and Plaridel, Misamis Occidental from Region 10; Gov. Generoso, Davao Oriental and Malalag, Davao del Sur from Region11; Kiamba and Maitum, Sarangani Province from Region 12; Tago and Cagwait, Surigao del Sur in Caraga Region; and South Ubian and Panglima, Sugala, Tawi-Tawi.

Deputy program director Arnel de Mesa during the training stressed the important role of information and education in the success of NRM interventions.

“We will be partners of environmental conservation and protection. And we need (the core of advocates) to help the cause of the program push forward and reach the grassroots,”

De Mesa said.

“Here in Mindanao we are blessed with bountiful natural resources, but we will lose fast all of these gifts when our community lack the knowledge and awareness on how to protect them and use them sustainably,” he added.

Among the issues the participants identified as major problems their towns are facing included illegal fishing, indiscriminate cutting of forest trees and mangroves, and the lack of awareness of their constituents on environmental concerns. “ We’v e b e e n d oi n g community education to help protect our natural resources. Now after the training, having identified the real issues and the right communication strategies, we will intensify our campaign and hopefully be more effective,” said Virginia Namocatcat, a participant from Plaridel, Misamis Occidental.

A communication plan (Comm Plan) specifying an environmental issue and the strategy to resolve it was the final output of this training-workshop facilitated by the InfoACE unit.

“This CommPlan will serve as our lamppost as we go through our advocacy tasks,” said Elizabeth Talam, another participant from Plaridel.

“We can use the knowledge we gained from this training not just for MRDP concerns but also with the other tasks we do in our respective LGUs,” she added. sherwin b. manual/ damrdp

MRDP Deputy Director Arnel De Mesa (inset) in his message during the Core of Advocates training-workshop acknowledges the important role of information and advocacy campaign in the success of environmental conservation and protection.

Republic of the Philippines TRIAL COURT OF MISAMIS ORIENTAL 10TH Judicial Region BRANCH 18 Cagayan de Oro City INRE: PETITION FOR CORRECTION OF ENTRY SPEC. PROC. NO 2011-148 IN THE BIRTH RECORD OF DENNIS ALFANTE SALONGO ON HIS GENDER, FROM FEMALE TO MALE, DENNIS ALFANTE SALONGO

---versus---

Petitioner,

THE LOCAL CIVIL REGISTRAR OF CLAVERIA, MISAMIS ORIENTAL ORDER

The instant Petition filed by Dennis Alfante Salongo (hereafter petitioner) seeks the correction of the entry in petitioner’s Certificate of Live Birth, particularly his gender from “FEMALE” to “MALE”.

Petitioner averred that the instant petition is not intended to avoid any criminal, civil or financial liability. Neither will the same affect his civil status or citizenship.

Finding the instant Petition to be sufficient in form and substance, let the initial hearing of this case be set on November 28, 2011 at 8:30 in the morning before this Court. Let copy of this Order be published, at the expense of petitioner, once a week for three (3) successive weeks in a newspaper of general circulation in Cagayan de Oro City.

Respondent Local Civil Registrar of Claveria, Misamis Oriental and any person having or claiming any interest on the entries whose corrections are sought, may, within fifteen (15) days from notice of this Order or from the last date of publication thereof, file their opposition/ comment thereto and appear at the scheduled hearing.

Furnish copies of this Order, together with the Petition and its annexes, to the Office of the Local Civil Registrar of Claveria, Misamis Oriental, the Office of the Solicitor General and the National Statistics Office, Manila.

SO ORDERED.

September 16, 2011 Cagayan de Oro City.

(Sgd.) DENNIS Z. ALCANTAR

Presiding Judge BWM Oct. 3, 10 & 17, 2011

BusinessWeek

SUPERTRES II

BusinessWeek mindanao

October 10-13, 2011

YOUR ULTIMATE WINNING GUIDE

The 6 and the digits 2,3, and 5 are this week’s playing numbers DUE to popular demand, I am back here at BusinessWeek Mindanao––and I am hoping that you will find this page more useful in your day-to-day activities especially in looking for Suetres numbers combinations.

This week’s playing numbers are 6, 2,3, and 5. Meaning, these are good digits for your daily “take-1 or take-2” daily digit guide.

-------For the 11 AM draws, the strongest digits are 0-5-8 while the weakest digits are 2-6-9. There are only four missing digits and these are 1, 3, 4, and 7.

TAKE-ONE ==> 0-5-8 TAKE-ONE ==> 2-6-9 TAKE-ONE ==> 1-3-4-7 ITS: 058 + 269 + 1347 = 021, 023, 024, 027, 061, 063, 064, 067, 091, 093, 094, 097, and so on and forth.

WEEKLY MAINTAIN

657 597 596

-------For the 4PM draws, the strongest digits are 7, 4, and 0 while the weakest digits are 6 and 3.

ULTIMATE TAKE-1 OR TAKE-2: 1-2-5-8-9 TAKE-1, TAKE-2 -------FOR 3-D DRAWS The strongest digits for the 9PM draw are 2, 4, and 9 while the weakest digits are 6, 3, 5, and 7.

WEAKEST

4-5-7-8 DIGITS

6-2-3-5

THIS WEEK

692 526 672 592 792 527

CIRCLE-A-WORD

STRONGEST DIGITS

4

hot pairs

40-48-49 47-41

Weekly syndicate guide

0-1 2-5 3-8 4-7 6-9 0-1 2-5 3-8 4-7 6-9 0-1 2-5 3-8 4-7 6-9

1-0 2-5 3-8 Crossword Puzzle ACROSS 1 Rustic 5 Favorable Criticism 8 Gone by 9 Disorderly Crowd 10 Mammary gland 12 Critical 14 New (comb. form) 15 Uninteresting 17 Moral offense 18 Drop shot 20 Write 21 Force out 22 Merrimental 24 Mystical person 28 Distant 29 Append 31 Communist 32 Wrongly 34 Angry 36 Albay town 37 Gash 38 Look after 39 Holds in possession DOWN 1 Boxing match division 2 Gaseous element 3 Become old 4 Master 5 Mythical bird 6 Physical matreatment 7 Balanced

4-7

THIS WEEK’S PLAYING DIGITS

2

3 5

6-9

Suduko

How to play the game?

Fill in completely every rows, columns, and diagonals of each puzzle without repitition of the same digit.

Your Lucky Stars Aquarius: Passionate love moments can have your heart racing. Couples can tie the knot. Singles can meet someone wonderful. Work life is up for review with change on the horizon. People you meet now can make life–changing decisions. Think carefully about your next moves and those you share life with.

Lucky Numbers: 8 7 40 3 33 27 Pisces: Be career smart – focus on the details to see what’s really happening. It is easier to make money when you are passionate about what you do. When discussing a sensitive topic, tread carefully, someone close could be emotionally fragile.

Lucky Numbers: 4 2 27 3 23 5 Aries: Be a leader, not a follower!

Keep business dealings at a high level of integrity. When connecting with loved–ones make allowances rather than expect too much. Money is on the increase, stay positive. To understand what a friend is going through, listen to what they are not saying.

Lucky Numbers: 8 18 5 34 27 9 Taurus: If you want to change your life, you need to change your life – take action. Work is demanding, but don’t let spending extra hours at the office cause you to neglect your health. A friendly heart–to–heart chat with someone close can prepare them for what’s to come.

Lucky Numbers: 4 42 2 21 6 13 Gemini: Look for solutions, not problems. When you have a positive attitude, it can improve every area of your life. Tighten the purse strings – this is not a week to be extravagant.

At work, use your common sense to stand out from the crowd.

Lucky Numbers: 9 10 23 32 40 30 Cancer: Love and work can connect when you least expect. Say “yes” to business events. Your perfect partner could be closer than you think. Don’t back away from a challenge; it’s what keeps your spirit alive. A financial hic–cup will be short lived.

Lucky Numbers: 9 6 16 18 3 31 Leo: For love to last, you need an unbreakable connection of trust and respect. Be optimistic at work, with lucky stars on your side, anything is possible. Beautifying your home creates a sense of peace and harmony for family closeness to grow.

Lucky Numbers: 14 13 2 1 17 37 Virgo: Love and money often connect, and how you deal with this combination will determine the outcome. Don’t get confused, business is business, even if it does fall in to the personal area of your life. At work, don’t let a past incident have influence over the decisions you make today.

Lucky Numbers: 10 17 19 3 2 6 Libra: Be diplomatic. Watch what you say and how you say it. A sensitive comment can be taken the wrong way. Beware of being tempted to indulge in an out–of–control retail therapy splurge. Great things are happening; the best is yet to come!

Lucky Numbers: 8 7 4 6 16 9 Scorpio: Finish what you start. If you’re feeling overwhelmed at work, deal with one thing at a time. With money, be patient and finances will turn in your favor. If the moment of truth has arrived in your love life; it may be time to give someone the key to your heart.

Lucky Numbers: 1 2 4 14 21 18 Sagittarius: It can cause mistrust when you keep secrets from a sweetheart. If you have something to say, don’t hold back. Divulge how you feel to clear the air. With money, check the fine–print. You are in control of your life, keep it that way.

Lucky Numbers: 1 3 6 8 20 23

9 Gregorian month 11 Opus 13 Metallic element 16 Fast 19 Important 20 Layer 22 Dunk shot 23 Equatorial constellation 25 Speak ponpously

26 Obtain 27 Notions 28 Rapid 29 Idiot 30 Tom. ___ and Harry 33 Melancholy 35 Regret

Capricorn: Your career life is headed for the top; you can take a giant step ahead now. The right people will step forward to help you – look for the sign posts of synchronicity. Love and friendship go hand–in–hand.

With money, be optimistic.

Lucky Numbers: 8 17 4 41 40 29

BusinessWeek mindanao

Congress.Watch

October 10-13, 2011

13

Lawmakers seek incentives for hybrid cars

By Rutchie Cabahug-Aguhob

AT least four congressmen are seeking incentives for the production, importation and purchase of hybrid cars and other vehicles to lessen air pollution and consumption of petroleum products.

Representatives Rufus Rodriguez of Cagayan de Oro City and his brother Maximo, who represents the party-list group Abante Mindanao, Hermilando Mandanas of Batangas, and Ryan Luis Singson of Ilocos Sur have filed separate bills that aim to promote the use of hybrid vehicles.

In filing Bill 5161, the Rodriguez brothers said prices of less polluting vehicles like Toyota’s Prius are prohibited because of the high excise and other

taxes being levied by the government.

“As a result, only the rich, and even among them only a few can afford to buy a Prius,” Rep. Rufus Rodriguez said.

He said hybrid vehicles, aside from emitting less pollution, score high in terms of energy-saving efficiency.

“Test driving results show that a full tank of unleaded gasoline costing P1,800 for a hybrid car would travel the distance equal to that of a vehicle consuming P3,000 worth of diesel,” he said.

Under Bill 5161, a hybrid vehicle is any vehicle that combines the technologies of using an internal combustion engine with a batterypowered electric motor.

CAGAYAN DE ORO Main Branch P & J Lim Bldg., Tiano Brothers – Kalambagohan Sts., Tel. # (08822) 727-829 * Telefax # (088) 856-1947 CAMIGUIN Branch B. Aranas St., Poblacion, Mambajao, Camiguin Tel. # (088) 387-0491 CORRALES Branch Corrales Ave., Cagayan de Oro City DIVISORIA Branch Atty. Erasmo B. Damasing Bldg., #61 Don A. Velez St., Cagayan de Oro City Tel. # (088) 857-3631 LAPASAN Branch Lapasan Hi-way, Cagayan de Oro City Tel. # (088) 231-6739a

The measure covers electric and other alternative fuel-run vehicles. It excludes vehicles powered by gasoline, petroleum, bio-diesel, and bio-ethanol.

It would exempt the manufacture or assembly of completely knocked down parts of electric, hybrid and other alternative fuel vehicles from excise tax and duties for nine years from the moment the proposed law on incentives takes effect.

During the same period, the purchase and importation of raw materials, spare parts, components, and capital equipment used in the production or assembly of hybrid vehicles would be exempt from the 12-percent value added tax.

The importation of completely built units or CBUs would also be exempt from excise tax and import duties for nine years.

Owners of hybrid cars would be spared from paying the motor vehicle user’s charge being collected by the Land Transportation Office

Solon... from page 6

in coming up with this initiative of encouraging barangays to identify, develop and promote unique products that give them their distinct competitive edge and catapults their respective units into economic gains, he said.

He said OBOP will explore

The ground breaking of the MambatanganSection of Sayre Highway with Cong. Rufus Rodriguez, and DPWH Regional Director Norma U. Gironella and local officials of Mambatangan, this City

and from the number coding scheme of the Metro Manila Development Authority.

Rep. Rufus Rodriguez said the proposed tax exemptions should drastically bring down the cost of hybrid vehicles.

He said if the cost of a Toyota Prius, which he

estimated at P2 million, could be brought down to P1 million, many of the rich and even middle-income people could afford to buy such hybrid.

“It produces less pollution, plus you have more miles on your battery and gasoline,” he said.

Mandanas has filed a similar bill seeking incentives for the “manufacture, assembly, conversion and importation” of hybrid vehicles, while Singson has introduced Bill 5139, which proposes certain tax exemptions for producers and importers of hybrids.

opportunities that will help further develop our area’s investment prospects, and that Iligan ‘s economic advancements can be easily achieved if backed up by progressive and economically stable barangays.

The Congressman is pleased that this undertaking is very much aligned with his project, dubbed as ‘MagtamVarfyayong sa Panginabuhian,’ (Together for Life) which seeks

to economically empower the constituents by providing technical and financial support.

Meanwhile, Kagawad Siao added that OBOP –Iligan City will support micro, small and medium enterprises (MSMEs) to manufacture, offer, and market distinctive products or services through the use of indigenous raw materials and local skills and talents. “ To make this program

succeed, we need to have a c omprehe ns ive ass ist anc e package through a convergence of services from local government units (LGUs), national government agencies (NGAs), and the private sector,” said Siao.

The commitment of support we will get from the Congressional Office of the Lone District of Iligan would help sustain the program, he added.

BusinessWeek

MisOr.Today 14 October 10-13, 2011 MisOr Gov joins Mindanao Bridging Leaders Program A staunch advocate of education, Misamis Oriental Governor Oscar S. Moreno is now back in school joining leaders from Mindanao in the Mindanao Bridging Leaders Program (MBLP) pioneered by the Asian Institute of Management (AIM)- Center for Bridging Leadership in partnership with Xavier University.

The program seeks to bring together leaders who will bridge societal divides such as issues on peace and indigenous people’s rights. The participants to this program had passed

t h r o u g h a n i nt e n s i v e screening to be part of the 4th cohort.

The “Big Four” from Mindanao consists of Misamis Oriental Gov. Oscar “Oca” Moreno, Talaandig Community President and Founder Victorino “Datu Migketay” Saway; Municipal Mayor Romeo “Romy” Tiongco of Damulog, Bukidnon and Higaonon Tribal Leader and BBP-NCP Provincial Office Consultant Nena “Bae Rose” Undag.

“Education is never ending”, says Gov. Moreno.

Through this program,

Gov. Moreno intends to replicate the breakthroughs of the Provincial Government in Lantad, a former lair of the CPP-NPA-NDF located in Kibanban, Balingasag wherein major developments have taken place under the Moreno administration after decades of government neglect.

“There are many more places in Misamis Oriental like Lantad wherein we need to focus and bring the government closer to these areas. It’s a daunting call but we just have to do it”, Moreno said.

Deregulation...

the island, particularly to the areas in four provinces where the main activities will be confined.

The project, which is scheduled to operate by 2016, is projected to contribute about P134 billion to the country annually during its 20-year span, said Mark Williams, general manager of Sagittarius Mines Inc., its proponent.

Williams said he based his estimates on the assessment of independent research company in Australia, the Centre for International Economics. The assessment also pointed out that the mining site, located in Tampakan, South Cotabato will yield 375,000 tons of coppe,000 tons of gold per year for 17 years. “ This assessment has indicated significant economic benefits that will flow at both national and local levels, and the project has the potential to become an economic driver for Mindanao and the Philippines,” said Williams in a press statement.

The company has also assured government that it will comply with regulations to ensure that ill effects will be minimized.

However, the company has faced a formidable opposition in the form of a law being implemented by the South Cotabato government which has imposed a ban on open pit mining activities because of the so-called ill effects of these activities to the community.

Earlier, Interior and Local Government Secretary Jesse M. Robredo called on the local government to review the law, claiming this is contrary to the national policy of regulated mining.

Mindanao has become attractive to mining companies because of vast mineral deposits. In the Davao Region, two provinces, Compostela Valley and Davao Oriental, have been hosts to several mining claims.

In Compostela Valley, several mining companies h ave st ar te d e x pl or i ng mineral deposits, but the prevailing situation is that small scale miners have dominated the mining scene.

In Pantukan, 14 people died when a landslide hit Kingking, a mining site awarded to St. Augustine Copper

and Gold, a joint venture of US-based Russell Mining and Minerals Inc. and the Nationwide Development Corp.

In Davao Oriental, the biggest mining project is the nickel project of the Asiaticus Management Corp. which has been conducting exploration activities after its falling out with its foreign partner, the mining giant BHP Billiton, an Australian company.

On the other hand, Tan also called on government to protect these mining companies which have become victims of the extortion activities of the New People’s Army. “They are taking risks in investing in the country, the government must protect them,” he said.

On Monday, the communist rebels attacked Platinum Metals Group Corp. and the Taganito Mining Corp., both in Surigao del Norte.

from page 1

and high quality petroleum products.”

However, Mr. Layug said it is difficult to pinpoint violations of the law since it does not define what constitutes a ‘fair and reasonable’ pricing formula.

Most recently, Energy Secretary Jose Rene D. Almendras proposed the creation of an agency (akin to the Energy Regulatory Commission of the power industr y) which would regulate ‘fair and reasonable returns’ for oil players, including their pricing mechanisms.

Mr. Almendras said President Aquino has ordered the DOE to take a closer look at how oil players are pricing their products following howls of protests from transport groups, consumers and legislators on the seemingly unending rise in the prices of local petroleum products.

Mining... from page 1

minimized, if not completely eliminated. “We know there are ill effects of mining to the environment, but it also creates job and helps the economy. So mining companies must comply safety requirements and that government should properly monitor their activities,” he said.

Mining will be one of the investment areas to be discussed when Tan’s group holds a business conference in Manila this month as part of the Mindanao One, an annual Mindanao trade exhibit that it will bring to the World Trade Center in Manila middle of this month.

Last month, Luwalhati R. Antonino, chair of the Mindanao Development Authority, and the Mindanao Business Conference pushed the Tampakan mining project as a flagship project of the Aquino government.

The conference, which was held in Pagadian City, adopted the position of endorsing the project to the national government on the basis of its projected economic contribution to

BusinessWeek

mindanao

Governor Oscar S. Moreno of Misamis Oriental assisted the the awarding ceremony of the 2011 Model OFW Family of the Year Awards (MOFYA). rodolfo d. mendoza /pia-10

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toothbrush, toothpaste, and soap, for use in schools.

Also, it will take immediate action in ensuring the accessibility of water in the identified schools and work for the sustainability of the programs by way of ordinance or any other long term solution.

Meanwhile, FFSI will assist the DepEd and the local government unit in the proper implementation of the EHCP by providing capacity building and technical assistance in the development of training and monitoring modules.

It will also provide information, education and communication (IEC) materials and support the health and education sectors in the promotion and management of school-based health programs.

Signatories of the MoA included Superintendents Normillah Pangandaman, Sangcad Benito, Zenaida Ampatua, Lawanbai Macacua, and Pharida Sansarona for Lanao del Sur I-A, I-B, II-A and II-B, and the Marawi City School Divisions, respectively, First Lady Raifa Adiong, represented Provincial Governor Mamintal Adiong Jr., and Cromwell Bacareza, FFSI Director of Operations. pia-10

Director Luz S. Almeda of the Department of Education (DepEd) in Northern Mindanao leads the planting a bamboo tree project at Bry. Bulua riverside, in support to President Benigno S. Aquino’s thrust. exuperio s. zagado / pia-10

Officials of the Department of Social Welfare and Development (DSWD) in Northern Mindanao interact with the media in Cagayan de Oro in regard to the National Household Targeting System for Poverty Reduction (NHTS-PR). rodolfo d. mendoza / pia-10

BusinessWeek

October 10-13, 2011

mindanao

Region 10 joins Tapok 2011 in California

By JOE PALABAO Correspondent

NORTHERN Mindanao region was represented to the 13th Kagay-anon International Tapok 2011 held at the Marriott Hotel, Anaheim, California, USA August 24-28.

The delegation from Cagayan de Oro, Misamis Oriental, Bukidnon and the Department of Tourism Region 10 participated in all the activities arranged by the Los Angeles Host Chapter of the Kagay-anon International, Inc., which variedly included tours, business meetings, musical concert and fellowship.

The team of Cagayan

de Oro and Misamis Oriental presentations came with Gov. Oscar Moreno who talked on development programs of the province, Maria Elena O. Manalo, Officer-in-Charge of the Department of Tourism X provided updates on the various tourism destinations, tourist arrivals and arrangements for its project “Duaw Cagayan” (Pinoy Homecoming), Rhia Rita Abalos-Chairperson City Tourism Board of Cagayan de Oro City who gave a brief on the ongoing developments in Cagayan de Oro, Robert Pizarro of Pueblo de Oro who discussed investment areas, and Liza Licudine of Sunbee Travel

& Tours offered packages for Duaw Cagayan 2012 in her “Cagayan de Oro Plus.”

Archbishop Antonio Ledesma, SJ and Fr. Belchan, SJ led the Singing Priests during their concerts in different states as well as informed the group on the present status of the Archdiocese of Cagayan de Oro and Ateneo de CagayanXavier University where most of the Kagay-anon International are former members/graduates.

The event was capped by a Holy Mass held August 28 and was con-celebrated

by Archbishop Antonio Ledesma, SJ and Fr. Belchan, SJ. It was to coincide with the annual feast day of St.

Augustine, the Patron Saint of Cagayan de Oro. Set at the Buena Park City MultiPurpose Hall, the mass was followed by a farewell lunch, door prizes/raffles and musical concert.

Tapok California 2011 had about 500 participants who were formerly residing in Region 10 and now living in various parts of USA. Chapter members belong to diverse successful professions who regularly meet to rekindle cultural ties and commitment towards former hometowns.

All are looking forward to joining “Duaw Cagayan” in February 2012 as well as staging again Tapok 2013 in Hawaii.

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HOTELS RESTAURANTS Pryce Plaza Hotel

Carmen Hill, CDO, Tel. No.722791 to93/858-4537 E-mail:reservations@pryceplaza.ph

Hotel Koresco

Pueblo de Oro Golf Course,CDO, fax. No. [088] 858-9748

tel. Nos. 858-9748 to 54, E-mail:hotelkoresco@yahoo.com

Mallberry Suites

Limketkai Drive ,CDO, Tel. No. [088]854-3999 / 854-7999 E-mail:info@mallberrysuites.com

Dynasty Court Hotel

Tiano-Hayes Sts. CDO, Tel. No. 726876 / 726962 / 857-5410 E-mail:dynasty@philcom.ph

The Marigold Hotel Velez cor. Luna Sts, CDO Tel Nos. 856-4320, 726937

Marco Resort Tel. No. 732182 / 855-220

VIP Hotel

A.Velez St. CDO, Tel. No. 726080 / 726590 / 856-2505 E-mail: info@theviphotel.com.ph

Philtown Hotel

Makahambus-Velez St. CDO,Tel. No. 723089 / 856-1813

De Luxe Hotel

Capt. V. Roa St. CDO, Tel. No. 726527 /857-2144

Maxandrea Hotel

J.R. Borja St. CDO, Tel. No. 729943/ 857-2244 / 857-4154

Grand City Hotel

A.Velez- Sts. CDO Tel. No. 723551 / 723658 / 857-1900

Hotel Conchita

Yacapin Ext. CDO, Tel. No. 727356 / 856-3856 E-mail:hotelconchitapge@yahoo.com

Harbor Lights Hotel Gusa, CDO Tel. No. 724878 / 855-6060

Country Village Hotel

Carmen, Cag. de Oro Tel. No. 71-22-03, 71-22-01, 7122-05

Southwinds Hotel

Capt. V. Roa Sts.CDO,Tel. No. 727623 / 724803 / 856-2036 E-mail:i_agudo@hotmail.com

DoT promotes green urbanism

By JOE PALABAO Correspondent

THE Department of Tourism Region 10 is strongly encouraging local government units, agencies, interested groups and individuals to participate in

the upcoming International Conference on Green Urbanism on October 18-20, 2011 at the University of the Philippines School of Urban Regional Planning, Diliman, Quezon City.

The conference is held in collaboration with Kyushu

CAGAYAN DE ORO CHAMBER OF COMMERCE AND INDUSTRY FOUNDATION, INC. Oro Chamber Business Development Centre Macapagal Drive, Pueblo de Oro, Cagayan de Oro City Telefax (088) 859 1426 Bayantel 309 0951, Mobile 0920 9510998 Alternate Email: orochamber@gmail.com Website: www.oro-chamber.blogspot.com

University of Japan.

The conference is anchored on the theme,“Planning Greener Cities”, which seeks to link and strengthen different initiatives on environmental issues, climate change interventions, best practices

Apple Tree Resort and Hotel

Taboc, Opol, Misamis Oriental, Tel. Nos. 754525/ 754263/ 3091986, Fax No. (8822) 754497

Discovery Hotel

and notable new options for urban housing, transportations, infrastructure and community advocacies.

This is also intended is to forge an international cooperation towards the challenges of urbanism and ecology.

Limketkai Drive, CDO tel. No. 72-78-14, 72-73-20

Pearlmont Inn

Limketkai,Drive,CDO Tel. No. 729111 / 856-2654 / 729455

Red Palm Inn

EVChaves Building, Capistrano corner Cruz Taal Sts. Cagayan de Oro City Tel. No. 721197 and 8562671 Cell No. 0908-885-5643 Email: redpalm_inn07@yahoo.com

PANEDOTTE PASTRIES

Cagayan Riverview Inn

Vamenta Boulevard, Carmen CDO, Tel. No. 729039/858-4247/ 858-4245, E-mail:river@philcom.com

Chali Beach Resort

Cugman,CDO,Tel. No. 723929 / 855-2108 E-mail:chali_beach@yahoo.com

Nature Pensionne

Toribio Chavez Sts., CDO Tel. No. 723598 / 723718 / 857-2274

NEW DAWN PENSIONNE Velez-Macahambus Sts, CDO Tel Nos. 8571776, 721776 email : gchreservation@yahoo.com

Middleton Apartelle

LOT FOR SALE

BEACH HOUSE Baloy, Cagayan de Oro City By appointment only

Tel. #: (088) 855 3898

Lirio St. Carmen, CDO Tel. No. 723665 / 723580 / 858-4839

PANEDOTTE PASTRIES are available at Tagoloan, Misamis Oriental, just in front of the Senior Citizens Center in Tagoloan, Misamis Oriental with Tel Nos. (08822) 740-211, (088) 856-2419; Cell Phone Nos. 0917-706-2247 and 0917706-1516, or visit them at 162 M.H. del Pilar –Velez Sts., Cagayan de Oro City Available at GAISANO SUPERMART and at LUMBIA AIRPORT PRE DEPARTURE AREA

Sir George Pension House Pabayo-Gaerlan St. Cagayan de Oro City tel. No. 856-1990, 856-2004, 856-4447

Miami INN

Vamenta Boulevard, Carmen , CDO Tel No. 858-1901, 72-52-79

DINAH’S BEACH RESORT

Brgy san Juan, Gingoog City Tel No. (088) 861-3044

Malasag Eco Tourism Villages Cugman, CDO Tel. No.855-6183 [088]309-3752

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BusinessWeek

October 10-13, 2011

mindanao

Text by Joe Palabao Feature Editor Photos by Rolando Sudaria

F

or only P169 Net you can enjoy healthy and gourmet SOUPS & SALADS being served at the cozy and homey CEE’s Restaurant of the VIP Hotel right at the heart of Cagayan of de Oro City. It is served daily from 11AM to 2PM.

Salad Dressings Choose from among their delectable salad dressings Filipino Salad to suit your gourmet taste: Garlic Ranch, raisin vin A pick from an array of crisp and fresh veggies and Seaweeds, atsara, eggplant and banana blossom other condiments: finely sliced cabbage, lettuce, arugula, aigrette, thousand island, wasabi, honey dill mustard salad, tomatoes, green mangoes with bagoong. pineapple, mangoes, carrots, tomatoes, pipino, onions, bell and French dressings. pepper, raisins and chopped grilled chicken .

Soups

With the Salads, CEE’S Restaurant serves two kinds of soups alternately so different each day of the week: Yummy onion soup, beef consume, chicken consume, lettuce soup, potato and carrot chowder, pumpkin soup and shrimp bisque.

Pasta Salad

Assorted Breads

And an assortment of breads with pate: wheat bread, crostini, bread sticks, pancho, monay with basil pesto, eggplant pate and smoked fish pate.

Power Bowls at P115 Net VIP Hotel Cee’s Restaurant also offers Power Bowls: Katsudon, Beef with cucumber, Beef Steak Tagalog, Chicken Curry, Lechon Kawali, Teriyake Chicken, Pork Binagoongan, Shrimp Broccoli with Oyster Sauce, Vegetable Rice, Sutchi with Sweet & Sour Sauce.

For Desserts Try their BANANA TURONES with Cashew Cream and Coffee Sauce and CRISPY BANANA with Langka Sauce which won as one of the 25 Best Desserts in the Philippines 2010.

So ALI NA! Come and dine at the VIP Hotel-CEE’S Restaurant, one of the finest restaurants in Cagayan de Oro City.