BusinessDaily Mindanao (April 11, 2013 Issue)

INSIDE LOOK

M edia Watch Crispin C. Maslog

Economy

Motoring

Agri-Business

Opinion

Congress Watch

BusinessDaily Aselco : Help save electricity

Auto sales breach 40,000 - mark in 1Q

Hanjin plans to plant rice, corn in MisOr

Prof. Maslog discusses the quality of journalists the young ones should emulate

Rep. Rufus B. Rodriguez turns over road project at Brgy. Malasag

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Cagayan de Oro City

Volume III, No. 188

Market Indicators

As of 6.09 pm apr. 10, 2013 (Wednesday)

FOREX

PHISIX

US$1 = P41.07

6,815.84 points

2 cents

X X Briefly 83.62 points

Media accreditation

THE Commission on Elections (COMELEC) has released the guidelines for mass media accreditation in connection with the May 13, automated national and local elections.

In Resolution No. 9649, promulgated February 27, 2013, the COMELEC said that the coming elections will generate “great media attention” and acknowledged the need to increase the efficiency in the recording and monitoring of grants of accreditation to “avoid the proliferation of spurious accreditation papers or media passes.”

“Duly accredited mass media shall be given free access to polling places, voting centers and canvassing centers for purposes of observing and reporting on election events and processes,” the poll body said in the Resolution.

Davao tourism

TAGUM City -- Davao del Norte Governor Rodolfo del Rosario said that in line with President Benigno Simeon Aquino III’s tourism program, the province has programmed the building of access roads leading to the different tourism sites here.

Del Rosario cited the concreting of barangay roads around the Island Garden City of Samal (Igacos) to complement the ongoing concreting of circumferential road connecting the three districts of the island namely Babak, Penaplata and Kaputian.

The proposed project, he said, was already endorsed to the Department of Public Works and Highways (DPWH) and the Department of Tourism (DOT), the two departments tasked to identify road network projects that have impact on tourism.

“We already got positive feedback on the proposal,” he said.

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April 11, 2013

Italpinas plants fruit tree for Sendong victims THE award winning developer of P r i m ave r a R e sid e nc e s i s extending its advocacy for an ecofriendly lifestyle from design and construction to actively growing fruit trees to help curb global warming.

Last March 16, 2013, Italpinas

Eu roa sia n De sig n a nd E c o Development Corporation, joined hands with Habitat for Humanity (HFH) Philippines Community Development/Par tnership Department to undertake the planting and growing of fruit trees in two of Habitat’s resettlement sites

for Sending victims: Calaanan 2B and Calaanan 3 Extension.

“We a re u nder ta k ing t his t r e e g r ow i n g a c t i v it y w it h H FH Ph i l ippi ne s a s pa r t of our commitment to promote a sustainable lifestyle,” said Romolo italpinas/PAGE 11 ITPI Broker Daniel Aguilar plants a fruit

Spared by now, but not later

tree with a HFH beneficiary.

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By BONG D. FABE Associate Editor

C

U R R EN TLY spared in the spate of rotating brownouts experienced in other areas in Mindanao, Cagayan de Oro City uninterrupted power supply will run out next year if no new power plants will go online to bridge the ever-widening power gap in the island.

Cagayan de Oro’s power supply is said to dwindle next year. file photo

spared/PAGE 11

Coop members now ATM holders

XU alumni vow to fight poll fraud

By CHENG ORDOÑEZ Executive Editor

XAVIER University’s High School alumni have formally inked a manifesto, declaring w a r a ga i n s t p e ople or organizations out to disrupt the May polls and tamper with the real results in a meeting held during the Araw ng Kagitingan yesterday, April 9, 2013, at the Xavier University main campus.

Ca l ling t hemselves “Cr u s ader s for HOPE ” (Honest, Orderly, Peaceful Elections), some 2,500 active members of the University High School department bonded themselves into a formal organization that seeks “HOPE” by signing a ma ni festo of suppor t provision and engagement in the forthcoming May electoral exercise.

As affiliate of National Citizens’ Movement for Free alumni/PAGE 11

Poll Watch ADVERTORIAL

By CHRIS PANGANIBAN, Regional Editor

SAN FR ANCISCO, Agusan del Sur- Members of San Francisco Growth Enhancement Multi-Purpose Cooperative (SAFRAGEMC) are now proud ATM holders, the first cooperative to have

introduced the scheme in Agusan del Sur. The new scheme was realized after SAFRAGEMC and MASS-SPECC Cooperative Development coop/PAGE 11

J.P. RIZAL - CRUZ TAAL STS., (NEAR SHANGHAI BAKERY) DIVISORIA, CAGAYAN DE ORO CITY

Aside from Cagayan de Oro City Mayor Vicente Emano, Davao City Mayor Rodrigo Duterte also endorses the senatorial candidacy of Mrs. Hanep Buhay advertorial Cynthia Villar.

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Economy

Aselco: Help save electricity

By DAVID M. SUYAO Contributor

AGUSAN del Sur -- The Agusan del Sur Electric Cooperative (Aselco) is appealing to all memberconsumers in this province to help save electric power in order to lessen the impact of electric shortage and bigger power rate increase and assuring the general public of no electric power interruption during election period from May 1 to 21, 2013.

“As we a ll k now and experience these days, we are suffering a total of four and a half hours of brown out every day, with 1.5 hours per feeder rotational brown out.

But as member-consumers of our cooperative, we can contribute in minimizing the rotational brown out in our province by voluntarily plugging off our appliances during peak hours from 5:00 PM to 9:00 PM. These appliances include our refrigerators, freezers, air conditioning units including unnecessary lighting. This is what we call consumer voluntary load curtailment,” Engr. Emmanuel Galarse, Aselco Gen. Manager said.

Ac c ord i n g t o E n g r.

Galarse, the highest electric power deficiency that the

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Nationwide consultation on renewable energy code set

By RUTCHIE C. AGUHOB, Contributor

Agusan del Sur Electric Cooperative linemen install electric post.

province is experiencing for 2013 is this month of April with negative 13,265 kilowatt hour (KW) compared to the last three months from January with negative 9,020 KW, February with 10,442 KW and March with 11,646 K W. On May, w it h t he second month of Aselco’s entering into contract with MAPALAD who will supply 3,000 KW of electric power to Aselco, the deficiency will again reduce to 11,712 KW. “On June and July, we will increase our contract with MAPALAD from 3,000

KW to 5,000 KW. Because of this, we will also decrease our electric power deficiency to an average of 10,300 KW. Starting August until December of this year, we will again increase our contract to 10,000 KW. This means, we will also reduce our power deficiency to an average of 3,500 KW per month. For information, Agusan del Sur KW demand on January and February was 22,921 KW and 22,420 KW respectively.

Last March, our KW demand increased to 23,957 KW and starting this month of April

until December, per our computation, our power demand will increase to 25,770 KW,” Engr. Galarse said.

Engr. Galarse also said, the Philippine government have of fered assista nce to all Mindanao Electric Cooperatives and at present are being discussed by the Boa rd of Di rec tors for implementation. (PIA)

OZAMIZ City -- A series of public consultations for the formulation of a Renewable Energy Code of Practice in the country will be held in April and May. Initiated by the Renewable Energy Management Bureau of the Department of Energy (REMB-DOE) in partnership w it h t he Phi lippine Information Agency (PIA), the consultations will be conducted in regions 3, 7, 10 and 4A (Calabarzon).

To be participated in by the several stakeholders of the country’s Renewable Energy (RE) sector development, the activity is pursuant to Rule 2, Section 8 of DOE Circular DC2012-11-0009, also known as the Renewable Energy Safety, Health and Env ironment Ru les and Regulations (RESHERR).

R EMB Director IV Mario C. Marasigan said REMB will formulate the Code of Practice of each technology under RE which will ser ve as the safety, health and environment policy guidelines of the RE operations.

Meanwhile, Dr. Emelyn

Q. Libunao, staff director of the Project Management Division (PMD) of PIA said the consultations will be on the following: The Luzon consultation will be on April 23 in Clark City, Pampanga; the Visayas consultation will be on May 21 in Cebu City and the Mindanao consultation will be on May 23 in Cagayan de Oro City.

Other activities of the project include the writeshop or consolidation of inputs on June 5-7 in the province of R i z a l a nd t he f i na l consultation on June 20 in Metro Manila.

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Pagadian airport operation resumes PA G A D I A N C i t y - – Operations at the airport here, pa ra ly zed for t he past si x days, resu med and returned to normal on Wednesday.

This came about as Mayor Samuel Co has successfully negotiated and managed to convince on Tuesday the heirs of Datu Lucas Taug

Boto to remove the barricade from the airport’s runway.

The runway was cleared of barricade around 2:50 p.m. Tuesday after Co and the heirs of Boto signed an agreement, which stated the mayor will facilitate their demand of initial P5 million payment to the Department of Tr a n sp or t at ion a nd

Communications(DOTC).

Howe ve r, it i s a l s o stipulated in the signed agreement that the heirs of Boto will again barricade the runway if the DOTC will not pay them within 30 days.

Boto’s heirs barricaded the airport runway last Thursday to dramatize their objection airport/PAGE 10

CDO distributes over 5,000 PhilHealth cards THE city government has distributed more than 5,000 PhilHealth cards to residents during a weekly “People to People Program” here Monday.

Cit y Mayor Vicente Emano led the distribution of PhilHealth cards in Barangays Bugo and Carmen, two most populated barangays in the city.

The “People to People Program” was a week ly

program of the city government aimed at delivering basic services to rural and urban barangays in Cagayan de Oro City.

Some of these services i nclude mass wedd i ng, processing of birth registration of children, medical and dental services, legal services, supplemental feeding, and other day-to-day services at the City Hall.

Aside from the distribution of PhilHealth cards Monday, the city health department also distributed medicines to 5,800 patients, conducted dental services to 695 patients and circumcision of 496 boys.

Emano said that the city government implemented the weekly “People to People Program” since he was elected mayor for the first time in 1998. (PNA)

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Motoring

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Auto sales breach 40,000-mark in 1Q Ford says Focus tops

world car sales in 2012

THE combined sales of car companies belonging to the Chamber of Automotive Manufacturers of the Philippines Inc (Campi) and the Truck Manufacturers Association (TMA) during the first quarter breached the 40,000-unit level for the first time, the two industry groups said on Wednesday.

Data showed that the 17 Campi and TMA members, along with other distributors of “multiple brands”, sold a total of 41,702 vehicles in the first three months of the year—the biggest first quarter sales in the industry’s history.

This is 29.3 percent higher than the 32,240 units sold in the same three-month period last year.

“Traditionally, the first quarter has always yielded the lowest quarterly sales for any given year. That [sales have] breached the 40,000mark for the first time is a clear indication that the country is indeed on the path towards motorization,”

Ca mpi president Roque Rommel T. Gutierrez said in a statement.

In the first quarter, 13,821 passenger cars were sold, while commercial vehicles reached 27,881.

Sales of trucks and buses rose 69 percent to 447 units “mainly due to the support that the industry has been giving to the ref leeting prog ra m of t he ut i l it y vehicles being pushed by the government,” Gutierrez said.

Among Campi and TMA members, Toyota Motor Philippines Corp sold the most in the first quarter with 16,970 units; Mitsubishi

FORD Motor Co said its Focus model was the world’s best-selling passenger car in 2012, boosted by demand from China and the United States, citing data from automotive consulting firm Polk.

The carma ker sold 1, 0 2 0 , 410 F o r d F o c u s compact cars last year, it said on Tuesday.

More than one out of four Focus cars were sold in China, with registrations in the world’s biggest auto Motors Philippines Corp came in second with 10,016; and in third place is Honda Cars Philippines Inc, 3,967 units.

C a m p i -T M A s a l e s comprise about 85 percent of the total number of vehicles sold in the country.

Pure importers belonging to the Hyundai Asia Resources Inc (HARI)-led Association

of Vehicle Importers and Distributors Inc (AVID) release their monthly sales figures separately.

A number of distributors of lu x u r y veh icles a nd Chinese car brands do not disclose sales.

Combined Campi, TMA and AVID sales are projected to reach a record of about 200,000 units this year.

Motor Show introduces the new Mazda 6 AFTER having its soft launch in Mazda Pasig, the new Mazda 6 was revealed to the public during the 2013 Manila International Motor Show on April 4.

Presented by Hiroshi Kajiyama, Mazda 6’s program manager at Mazda Motor Corporation, the f lagship model has come to represent the brand’s “zoom zoom driving dynamics, winning 186 awards globally since the first generation was first launched in 2002.”

“This third generation M a z d a 6 w i l l not on l y e m b o d ie s t he M a z d a’s ‘KODO-Soul of Motion’ design theme, but the second produc t to i ncor porate t h e e nt i r e SK YAC T I V technologies first introduced on the Mazda CX-5 last year.”

Kajiyama said.

One of the technological breakthroughs in the new Mazda 6 is the capacitorbased energy-regeneration technology called i-ELOOP.

and shoulder room, we are confident the customer will find the interior space to be at par or better than the current class leader,” he noted.

The SKYACTIV-Chassis and Body is larger than current Mazda 6, yet lighter and has 45 percent more introduces/PAGE 10

The said feature stores energy from vehicle braking and deceleration and redeploys the stored electricity to power the multiple electrical devices inside the car, complemented by the i-STOP engine idling stop system, which improves its fuel economy.

The new 2.5L SKYACTIV-G engine would be the source of power for the new Mazda 6, which has the highest compression ratio of any production gasoline engine in the world, according to Kajiyama. It’ll go hand in

hand with the SKYACTIVDrive 6-speed automatic transmission, giving the engine 185PS and 250Nm, and in a test conducted by Mazda, could go 0-100kph within 7.8 seconds, with up to a 223km per hour maximum speed.

Kajiya ma added t hat the new Mazda 6 has the longest wheelbase in its class, making one of the most spacious executive sedans in the market within the CD car category. “In terms of rear passenger legroom

In a barangay in the first congressional district of Cagayan de Oro City, Rep. Benjo A. Benaldo leads his staff in a campaign sortee to woo the votes of the local populace. With the group is his chief of staff Andrew Bascon who has been working around the clock for the congressman’s campaign strategies. advertorial photo by gerry lee gorit

ma rke t up 51 p erc ent , according to Polk.

Focus was launched in China in late March last year.

U.S. sales were up 40 percent in 2012, said the carmaker, whose line-up also includes the popular F-Series pickup trucks.

The overall industry has posted annual sales increases in the double digits since 2009, when it hit the worst a nnua l sa les rate si nce World War Two, adjusted for population.

Hyundai is the official mobility partner of Solaire Open KOREAN brand Hyundai became the official mobility partner of the recentlylaunched Solaire Open 2013, held in Wack Wack Golf and Country Club, Mandaluyong City.

From April 8 to 14, the 2013 Hyundai Santa Fe and the all-new Hynudai Azera will be seen at the event as Asian Tour International, Ltd brings Asia’s prestigious professional golf tournament to the Philippines.

A fleet of new breed Santa Fes serve as official shuttles for the participants, which include around 150 professional and amateur golfers from 14 participating

countries, including the Philippines.

Furthermore, those at the event could experience the 2013 Santa Fe, including the All-new Hyundai Azera, in a specially designated display areas at the tournament venue.

Even better, the golfer who could hit a hole-in-one could win a brand-new 2013 Santa Fe, the statement said.

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

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Brazilian picks PH for Rotary exchange program

By Cheng Ordonez

After almost a month of stay in Cagayan de Oro City, a Rotarian from Brazil, who chose the Philippines over Texas under the International Rotary Club’s Group Study Exchange, it was difference in culture that made him decide to come. And now that his visit is almost over he told this writer that he wants to come back despite some unpleasant ordeals in traffic situations and difficulty in language communication.

Bruno Rebello, business manager of Zebu, a publishing house in Uberlandia, Minas

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Gerais State, Brazil, was one of the six Rotarians from the Rotary Club of Uberlandia Sul who came to the Philippines under the exchange program. He arrived last March 23 and already visited 12 major cities in Mindanao.

He said he has difficulty in two aspects while here in Mindanao: Food and language difference, finding it hard to speak in English.

But, overall, Rebello said he is i mpressed by t he hospitality of the Filipino people. “We are the same in treating people. Filipinos are hospitable, touch persons and jolly,” Rebello said.

He was distracted though by the traffic congestions and complained about the hot weather and food. Although, he said, it is also hot in some parts of the region in his country, compared to the region he came from, the weather here is “very hot.”

The Brazilian said he was satisfied to go home having visited and learned from the visits he made to different business establishments here in Cagayan de Oro and other parts of Northern Mindanao.

For a while, he took stride to handle work of a comptroller in printing companies and also had some time in import

and export business.

He said he made sure to visit the important places and landmarks Cagayan de Oro has and joined in the activities of the Rotary Club of Cagayan de Oro. He was happy to share his experience with the Rotary Club of Cagayan De Oro when they planted some 300 bamboo trees along the riverbanks in Villa Angela, Balulang, Cagayan de Oro City.

Fellow Rotarians said Rebello has committed to help rehabilitate the Sendongaffected area.

Yesterday, he paid a call on his fellow Rotarian, Dante Sudaria, and exchanged business experiences and plea sa nt r ies w it h t he publisher of the BusinessWeek Group of Publications.

He was accompanied by some lady Rotarian like Glory Tan, Rebello’s host for his month-long visit here.

Dubbed a s “Peace Through Service” the GSE program of Districts 3870 and 4770 made possible Rebello and the five other Rotarians from Brazil come to the Philippines.

Last Tuesday, six Filipinos lef t for Bra zi l a s t hei r counterparts in the exchange program.

Globe first on the Samsung Galaxy SIII mini. Globe Telecom is the exclusive Philippine carrier of the new Samsung Galaxy SIII mini until March 5, 2013, giving Globe subscribers first dibs on the latest device from Samsung’s roster of Galaxy S smartphones. The leader in postpaid gives subscribers various plan options where they can get the Samsung Galaxy S III mini for free for as low as P999 monthly. Under Unli Surf Plan 999, subscribers get unlimited surfing and 1 call and text freebie.

Under My Super Plan 999, subscribers get P900 worth of monthly consumable for calls and texts, free 50MB for mobile surfing, and two call and text freebies. Finally under Platinum Plan 3799, subscribers get the Samsung Galaxy SIII mini and the Samsung Galaxy SIII both for free, complete with unlimited surfing, P2,800 worth of monthly consumable for calls and texts, and 7 call and text freebies. In photo during the Philippine launch of the S III mini are (from left) Kim Balza, Samsung Head of Operator Business; Patrick Mascarinas Samsung Account Manager for Globe Telecom; Paulo del Rosario, Samsung Product Category Head for Smartphones; and Teolo Reyes, Globe Telecom brand manager for devices and subsidy. (PR)

Personal info updating, editing now available at Pag-IBIG Fund Pag-IBIG Fund members who have already complied with the Online Membership Re g i s t r at ion v i a w w w. pag ibig f u nd .gov.ph but had inadvertently encoded erroneous information on their personal data may now request for the editing or updating of their personal profile by accomplishing the Members Change of Information Form (MCIF).

The MCIF is a downloadable form which must be signed by both the member and the Employer or the duly authorized signatory of the Head of Office (if applicable), to attest the change of information made by the said employee.

Furthermore, Ferdinand Saniel, Department Manager III of Pag-IBIG Cagayan de Oro Branch, said that PagIBIG Fund members who wish to update their Civil Status and/or beneficiaries may also request for the editing or updating of their personal information by submitting a duly accomplished MCIF and a photocopy of his/her Marriage Contract and/or the Birth Certificate of his/her beneficiaries (i.e., children).

In cases where photocopies of the said documents are submit ted, t he orig ina l copy must be presented, for authentication.

Moreover, Pag-IBIG Fund

members who are requesting for the editing in the spelling of their complete name and/ or date of birth must submit also a duly accomplished MCIF and a photocopy of his/her Birth Certificate and surrender his/her PagIBIG Fund Transaction Card, prior to the reprinting of his/her new Pag-IBIG Fund Transaction Card. In cases of loss in the previously issued Pag-IBIG Fund Transaction Ca rd, a du ly nota r i z ed Affidavit of Loss must be submitted.

T h e MC I F a n d t h e aforementioned required documents can be submitted to M s . K at her i ne May B aut i s t a or M r. Da nte Pacana at the Marketing and Enforcement Division of the Pag-IBIG Fund Cagayan de Oro Branch, Pag-IBIG Fund Building, J.R. Borja Mortola Sts., Cagayan de Oro City.

Meanwhile, Pag-IBIG Fund continues to explore all available modes that would ensure that delivery of services to its members is faster and more efficient.

This was announced by PagIBIG President and Chief E xecut ive Of f icer At t y.

Darlene Marie B. Berberabe.

“Pag-IBIG Chairman, Vice President Jejomar Binay emphasized that while he is happy with the increase in our membership base to

12 million members now, that we should ensure that our services should not be outpaced. Thus, we had set out towards this direction.

Among other initiatives, I am pleased to share that we outsourced our courier, appraisal and collection ser vices to augment our internal services to meet previously unmet needs,” Atty. Berberabe shares.

Pag-IBIG has tapped the services of a courier company to deliver the billing statements of its housing loan borrowers. “It used to be a major headache. Because of the huge volume of our housing loan accounts, which keeps growing every month, coupled with our limited manpower and challenges with the posta l ser v ice, send i ng t he bor rowers’ billing statements via snail mail is not viable for our service. By outsourcing their delivery, we hope to ensure that our borrowers receive t heir bi l ling statements before their due dates to avoid the late payments of their amortizations. Already, this has aided in the increase of payment collections and has reduced the number of borrowers visiting our offices every month just for their billing statements,” says Atty.

Berberabe. available/PAGE 10

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Documents from the NFA showed that its administrator, Orlan Calayag, said that they have several concerns over the possible effects of the multiindustry cluster (MIC) eyed by the Korean firm.

The off icial said the development and divestment plan of Hanjin should include the effects of the proposed project on rice and corn farmers in the locality, as well as the government’s rice and corn self-sufficiency program.

It should also include the benefits of the project on the local economy of Misamis Oriental, and rice and corn

industry in general.

H H IC -M i n d a n a o , a wholly owned subsidiary of the Korean shipbuilder, is seeking approval from the Philippine government to allow it to engage in rice and corn production and livestock farm operation for both local and export markets.

Section 3 of Presidential Decree No.194 gives NFA the discretion to authorize an alien, association, partnership or corporation wholly or partly owned by foreigners to engage in rice and corn industries.

Based on its development

plan submitted to NFA, HHIC-Mindanao will be building an MIC in Mindanao under the public-private partnership scheme for rice, corn cultivation and other rotational crops.

The project would cover 3,000 hectares in Claveria, M i s a m i s O r ient a l a nd estimated to cost P10.942 billion for over a 30-year period, with the initial phase of development estimated at P55.8 million.

HHIC-Mindanao expects to start the initial phase of the project this year upon securing the go-signal from the government.

It s pa rent compa ny, Ha nji n, sa id it ha s a n established relationship with Korean National Institute of Crop Science, the leading

agricultural research center in Korea, where technology transfer arrangement is “assured and guaranteed.”

Up o n t h e s t a r t o f operations, HHIC-Mindanao intends to network with prominent government or private research centers for crops in the Philippines and

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Hanjin plans to plant rice, corn in MisOr THE National Food Authority (NFA) said it is evaluating the impact of Hanjin Heavy Industry and Construction Co Ltd - Mindanao Inc’s (HHIC-Mindanao) plan to plant corn and rice in Misamis Oriental.

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The company said it will introduce and apply advance cultivation practices with guaranteed high yield and, at the same time, improve environmental value and promote sustainable development. It also said it will introduce advance agriculture

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engineering solutions aimed at preventing soil erosion, improve water quality and easy access to market centers and storage facilities.

HHIC-Mindanao also plans to develop soil, nutrient and irrigation management systems for the MIC project.-InterAksyon

Region 12 emerges as top implementer of MRDP in Mindanao AMONG the six regions in Mindanao, Soccsksargen (Region 12) has emerged as the top implementer of various development projects under the Department of Agriculture’s Mindanao Rural Development Program– Adaptable Program Loan Phase 2 (MRDP-2).

B a s e d on M R DP 2 ’s year-end evaluation and assessment, t he rat ings indicated t hat t he four provinces of the region were the program’s top performers so far in terms of project implementation and funds disbursements.

Soccsksargen Region comprises the provinces of South Cotabato, Sultan

Kudarat, Sarangani, North Cotabato and the cities of General Santos, Koronadal, Tacurong, Kidapawan and Cotabato.

In t he region, t he province of South Cotabato was adjudged as the best provincial local government unit in the implementation of MRDP projects. This after the province recorded an accomplishment rating of 129 percent ranking number one among 26 provinces in the entire Mindanao region.

Mea nwh i le, Su lta n Kudarat posted an accompl ish ment rat i ng of 83 percent followed by North Cotabato with 68% and Sarangani with 55%.

From the original target of P60 million, South Cotabato was able to implement a total of P77.5 million worth of projects in 10 localities in the area, said Gov. Arthur “Dodo” Pingoy Jr. Pingoy said t hat t he program had served 174 people’s orga n i z at ions , cooperatives and associations in the province from in the last two years.

“We have received this citation because of our unique management strategy, and that is implementing the projects beyond politics,” he said.

Wit h t h i s e xc e l lent performance, South Cotabato will also serve as

the pilot area for a bigger and wider Philippine Rural D e ve lopme nt P ro g r a m (PRDP) which is set to kickoff this year.

Secreta r y Proceso J. Alcala handed the special citation to Pingoy during a gathering in Tupi town recently.

A lc a la sa id t hat for this year, DA has allotted another P6 billion for the implementation of additional projects under the program.

This is on top of the agency’s appropriation for its priority initiatives in Mindanao this year that accounts for 38% to 40% of DA’s P76-billion budget for 2013.

Under the MRDP-2, the

national government has allotted some P240 million for the implementation of various community-based projects in Region 12.

North Cotabato received an allotment of P80 million followed by South Cotabato with P60 million, Sarangani with P45 million and Sultan Kudarat with P37.5 million.

T he prog ra m so fa r benefited 771 cooperatives, people’s organizations and farmer associations in the region.

M R DP i s a p over t y alleviation initiative funded by the World Bank and the national government through the DA with the LGUs providing an equity

share. The program seeks to further improve rural incomes and achieve food sec u r it y t h rou g h a g r if isheries infrastructure, livelihood enterprise, and biodiversity conservation projects. (DA-RFU12)

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ESIP : Learn to Invest!

THE

“If there are ABCs in investFinancial D octor ing, there are also FGHIs…

By Adonis Agcopra fear, greed, hope and ignorance.” – Jesse Livermore AS the “E-S-I-P” paradigm goes: Earn. Save. Invest.

Protect.

Many individuals are afraid to invest. For these people, their fear is mostly rooted on ignorance or a lack of knowledge to investing.

Seek therefore to understand your investments. Once you are treading in more familiar waters, investing allows you to harness the potential power of your money working for you, instead of you just working hard for the money! Money then becomes your willing servant. Just be cautious enough never to make it your master.

All investment tools adhere to three main investing attributes: risk, return, and liquidity.

Risk deals with your chances of losing your money. Knowing your investment risk exposure allows you to calculate the odds that your capital is still intact at a certain future point in time. Risk is moderated by the investor’s level of fear.

Return is concerned with the growth potential of your money within a certain time period. Risk and return are directly related. The higher the returns projected by an investment, the higher is its corresponding built-in risk.

But the lower the risk you are capable of assuming, expect no more than lower returns as well. The investor’s level of greed determines how high a risk he would likely assume for a certain level of return. Risk vs. return = greed vs. fear. And bear in mind: “If it’s too good to be true, it probably is!”

The liquidity factor of an investment determines the ease with which an asset can be converted back to cash. Investments that can easily be turned to cash within a short time frame are deemed highly liquid. Cash and cash-equivalent investments such as money market instruments and several managed funds fall into this category. On the other hand, real estate, non-cash business assets and precious metals are generally considered poorly liquid to non-liquid due to the difficulty of regaining their market value cash equivalents anytime.

Agcopra/PAGE 7

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Blind Spots

ow’s your eyesight and vision? A famous blind woman once said: “It’s better to be blind and see with your heart, than to have two good eyes and not see yourself as you truly are.” As the well-known saying goes, “No one is as blind as those who will not see.”

A famous philosopher said that one of the most important priorities in life is to ‘know thyself’, because when we’re blind to ourselves, we believe that our way is always right. Like the husband who said: “When I married her I knew she was Miss Right, but I didn’t know her first name was Always!”

Many of us are like that wife. We think we see everyone else so clearly, but what about ourselves? We can’t see what we need to correct and change in our own character, so we never reach our potential and live our life to the fullest.

We handle our marriage and other relationships, raise our children, and go through life never seeing ourselves as we really are. So we develop wrong thinking and bad attitudes that hurt our family members and others.

Sometimes we might even believe the lie that we cannot change because that’s just the kind of person we’ll always be.

But our blindness, and sometimes pride, doesn’t really want to see and admit our faults. We might even blame others for our problems and personality.

You see, until we honestly admit that we don’t have a healthy

THINK

A Minute

character, we’ll never know we

By Jhan Tiafau Hurst need a doctor to get healed. We need someone else with perfect, clear vision to show us what we don’t see in ourselves. Jesus Christ came to do that for us.

He will start changing your heart and help you to humbly admit when you’re wrong. He’ll show you how to better treat your wife or husband and children.

He’ll give you an attitude and heart that easily forgives those people who wrong and hurt you. He’ll give you the strength to always be honest, no matter how much you can get away with. Jesus will also help you not be quick to see faults in others or gossip about them.

So today, if you’ll ask Jesus to forgive you of your pride and blindness to your own faults; and ask Him to start healing and changing your heart, He will. Then, as you start living His way every day, you will start to see yourself becoming a new person who can reach your full potential. That’s the only way you can have the successful, satisfying life Jesus created you to enjoy.

Just Think a Minute…

Philippine Journalism Needs Heroes

T

he Philippines today needs heroes. The journalism profession itself, like the society of which it is a part, needs heroes whom young journalists can emulate. As shown by the quality of journalism being practiced in the country today, our journalists and other mass media professionals are not only young and wanting in skills. They lack a moral compass.

The youth need role models. Who and where are these models? Some are in our history books, like Mahatma Gandhi who was at one time a journalist. So were Jose Rizal and Marcelo H. Del Pilar, who edited La Solidaridad, the mouthpiece of the Philippine Revolution.

Rizal was martyred mainly for his novels, Noli me Tangere and El Filibusterismo, which exposed Spanish abuses in our country. Rizal was the first Filipino journalist to die for press freedom and spark a revolution in 1896. A hero, too, was Benigno Aquino Jr., who started out as a journalist before he became a politician. His assassination also sparked another revolution in 1986, a hundred years later.

Equally a hero was Jose Burgos Jr. who dared to speak in the pages of his newspaper, Malaya, against the dictator Ferdinand Marcos and Martial Law when it was foolish to do so in the 1970s. Jose Burgos Jr. was named by the International Press Institute one of the world’s “50 Press Freedom Heroes of the Century.” He was jailed by Marcos together with Armando J. Malay, another staunch critic of Martial Law. Other worthy models in our midst have been The Outstanding Filipino Awardees (TOFIL) in journalism and literature over the years—Teodoro M. Locsin, Henry R. Canoy, Jose L. Guevara, Armando J. Malay, Crispin C. Maslog, Florangel R. Braid, and Isagani Cruz. Locsin and Malay bucked the Marcos dictatorship. Braid founded the Asian Institute of Journalism and Communication and trained a new generation of journalists and mass media practitioners.

L

ast week, I received a special coffee table book entitled, “Small Steps to Success: Celebrating 10 Years of Partnership with Microentrepreneurs.”

The book featured 10 microentrepreneurs who have received the “Citi Microentrepreneur of the Year” Award since the program was conceived 10 years ago.

“Their compelling stories lend a face to our philanthropic investment in the field of microfinance and microenterprise development,” said Sanjiv Vohra, Citi Country Officer for the Philippines.

Vohra added, “From their humble beginnings, these men and women are now shaping the future of their communities.”

In this week and next week’s column, allow me to share with you some pearls of wisdom from these amazing microentrepreneurs: • Jennilyn Antonio, peanut butter entrepreneur “Problems are there to make us think. Learn from them.

Trials are part of life. Also learn from them. Always do what is pleasing to the Lord, who gives you strength and guides you on the right path. If you borrow money, do everything you can to pay it back. Never forget the people who helped you succeed, especially those who trusted you with their money.”

• Corazon Bautista, RTW (ready-to-wear) businesswoman “Have a budget for your daily needs. Use any business

Watch

By Crispin C. Maslog Guevara stuck needles into politicians and their foibles while making them smile.

Canoy put up a broadcast media empire that helped develop a nation. Cruz made his students appreciate Filipino literature.

Still others have been recog n i z ed by t he Ramon Magsaysay Awards Foundation—Robert McCu l louch Dick for journalism and literature; Zac Sarian for development journalism; F. Sionil Jose for literature; Lino Brocka for theater; Bienvenido Lumbera for Filipino literature; James Reuter for performing arts and media; Nick Joaquin for literature; Raul Locsin for business journalism; Shiela Coronel for investigative journalism; and Eugenia Duran Apostol for print media journalism.

While the profiles of these distinguished individuals may vary, certain common threads run through the tapestry of their lives: commitment to truth and freedom of expression, the courage of their convictions, high principles and moral values, professionalism, affection for the little people, love for their native land.

These individuals have been honored with the TOFIL and Ramon Magsaysay Awards not only because of their individual achievements which are outstanding by any yardstick, but above all because they have used their talents to serve society. We hold them up for the Filipino youth to honor and emulate. ### __ • Crispin C. Maslog is a former journalist with the Agence France-Presse and first director, Silliman University School of Journalism and Communication. He will be guest lecturer at the Pilgrim Christian College on April 22-27, 2013.

Small Business: Words of Advice (First of two parts)

MEDIA

SPEAKING

O ut

By Ignacio Bunye

loan solely for the business. Do not mix personal and business funds in order to keep track of how the business is going.

Give opportunities to others.

Maintain a good relationship with your workers.”

•Dionesia dela Peña, suman entrepreneur “Be nice in your dealings with everyone. Help the jobless by hiring them. Do not skimp on ingredients. Never mess with the taste that your customers like.”

• Orlando Dulay, buko pie businessman “Learn as much as you can about the business you are getting into. Find out where to source your raw materials.

Make sure you always have enough basic supplies. Know your target market. Study your product’s marketability.

Respect your workers’ rights.”

• Nolie Estocado, Christmas decor entrepreneur “Devote a lot of time to your business and do not leave it to others. Find out as much as you can about a new client before accepting a big order from him or her. Talk to your creditors when you are having problems making payments. Treat your workers fairly and honestly. Believe in yourself and do not allow others to rule your destiny.”

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All investment tools have a certain combination of risk, return and liquidity profiles. Knowing the specific feature of each investment tool that you use will enable you to create a balanced and diversified portfolio that can support and sustain your financial goals – be they short, medium, or long-term. A knowledgeable financial professional should be able to help you thresh out these goals individually and collectively.

Investigate before you invest. Act now! *** (Dr. Adonis Agcopra is a registered international financial strategic consultant with IARFC and is portfolio director of AFIC Meridian Consultants. Log in to www.aficfinancialconsultants.com.)

!

D A E R

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Political genius or political animal?

A

s a priest, I of course do not do politics, that is to say, I cannot run for public office, I cannot take partisan positions in public, unless the issues involved are clearly inhuman and unchristian. But I should follow it closely, because politics is part of life and needs to be guided by the proper spirit of Christ.

That’s the reason why there is the social doctrine of the Church that also covers politics. While it is the lay faithful who can take active and direct part of it, the clergy should also see to it that the whole political life in all levels of society is done properly.

Besides, the clergy is also part of the citizenry, subject to the laws of the land. They are part of the political life, obviously in a way proper to their state. Everyone takes part of politics always in accordance to one’s state and possibilities, the clerics in their own way, the lay also in their own way.

This doctrine of the Church has to be understood properly. It is that way because the priest’s mission is eminently spiritual and supernatural in nature. It’s a mission that is above but not exempt from the understandable differences and conf licts of temporal affairs such as politics.

Thus the priest has to be extremely discerning to do his part in the political life of the country. He is not supposed to take a passive stance in it. He should be disinterested, but not uninterested. At least he has to pray a lot, offer a lot of sacrifices, do a lot of catechizing, etc. He has to be keenly interested in it, but in a specific way.

Having said that preamble, I must admit that I enjoy reading political developments here and abroad. There is obviously the chance to get excited with all the twists and turns of the political maneuverings politicians do.

But at the end of the day, I bring these political items to prayer, trying to discern how things ought to go.

And I learn a lot from this exercise, since it allows me to read between the lines, to somehow read the minds of people, politicians especially, and to read the signs of the times. While there is a lot of tentativeness in this exercise, it actually gives me a lot of ideas and all sorts of impulses that I need to tame and clarify.

As of now, I learn a lot from certain moves of some politicians, both local and international. There are instances when I think the move is stupid, but also many instances

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HINTS

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when I am convinced the move and Traces is brilliant, is a masterstroke.

By Fr. Roy Cimagala Since politicians are at the forefront of the development of society, they cannot help but be extremely cautious and smart in their actuations – their planning, their speeches, their public appearances, etc.

But they cannot avoid controversies and conflicts. And I must say that I admire how some of them handle these situations well – how they explain their positions, or defend them when attacked, how they have a good sense of timing and of what to say to what kind of audience at a given time.

Some of them really have excellent speaking talents, with sharp minds and witty tongues, and very adept both in aggressive and defensive tactics. Obviously, there are some who truly are political geniuses. But there sadly are others who can only elicit the judgment, tentative at best, of being political animals bereft of conscience.

Political developments are actually good learning moments. They should not be wasted by tackling it superficially as in simply giving knee-jerk reactions that tend to exaggerate or oversimplify things and are prone to make negative responses more than positive.

In short, politic discussions and analyses should go beyond the level of the barbers. Let’s pray that our political columnists really do their part well, giving well-thoughtout opinions and commentaries that should always be characterized by charity and fairness.

Sad to say, there are instances when some of these commentators are just out and out unfair, painting their enemy-politicians as the devil incarnate while putting their friend-politicians on a pedestal as if these are incapable of sinning. That’s really over the top or way under the bottom.

We have to learn to hold our horses when reacting to political issues. Let’s study them first, weigh things disinterestedly. Better, bring them to our prayer and ask God for light. We need to learn to relate political developments and issues to God and to the common good.

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CongressWatch

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Prostate cancer awareness pushed

L awmakers s a id on Mond ay, Apr i l 8 , t hat educ at ion a nd publ ic awa rene s s wou ld play a ke y role i n add re s si ng prost ate c a nc er, wh ich i s considered one of t he d readed d isea se s a mong Fi l ipi nos .

Repre s a nt at ive s Ru f u s Rod r ig ue z (2nd Di st r ic t , C a gay a n de Oro), Ma x i mo Rod r ig ue z , Jr. (Pa r t y-l i st , Aba nte M i nd a nao), Au g u sto B oboy Sy juco (2nd Dist r ic t , I loi lo) a nd A l f redo Ma r a ñon I I I (2nd Di st r ic t , Neg ros Occ ident a l) C ha i r ma n of t he Hou se C om m it te e on Hea lt h, a re con f ident t hat e a rly de tec t ion of t he sick ne s s , good nut r it ion coupled w it h a he a lt hy l i fe st y le c a n lower t he pre sent mor t a l it y r ate.

C ong re s sma n Ru f u s Rod r ig ue z s a id t he me a su re se ek i ng to e st abl i sh a prog r a m to educ ate t he publ ic a nd i ncre a se awa rene s s on le ad i ng t y pe s of c a nc er, e spec ia l ly prost ate c a nc er, wa s i nt roduc ed a nd approved on f i na l read i ng a nd t r a nsm it ted to t he S enate du r i ng t he 14t h a nd 15 C ong re s s .

Cit i ng t he st ud ie s of t he A mer ic a n C a nc er S oc iet y a nd t he A mer ic a n Urolog ic a l A s soc iat ion, Rod r ig ue z s a id men who have reached t he a ge of 4 0 yea rs old shou ld u ndergo per iod ic te st i ng for t he ea rly de tec t ion of prost ate c a nc er.

"E a rly de tec t ion w i l l pre vent

f ut u re d isea se prog re s sion a nd t reat ment i n t he e a rly st a ge s of t he c a nc er i s le s s cost ly t ha n when done i n it s adva nce st a ge s ," Rod r ig ue z s a id .

"At pre sent , ma ny a re st i l l u neduc ated about prost ate c a nc er wh ich may have cont r ibuted to it s becom i ng one of t he le ad i ng c au se s of mor t a l it y a mong men i n ou r cou nt r y, e spec ia l ly of t he elderly," Rod r ig ue z added .

Ma r a ñon s a id t he gover n ment shou ld adopt a n i nteg r ated a nd comprehensive approach to hea lt h de velopment , e st abl i sh a nd ma i nt a i n a n ef fec t ive food a nd d r u g reg u lator y s y stem, u nder t a ke appropr iate he a lt h ma npower de velopment a nd re sea rch re sponsive to t he cou nt r y ’s he a lt h ne ed s a nd problems .

Under t he mea su re, t he Di rec tor of t he NonC om mu n ic able Di sea se C ont rol S er v ic e of t he Depa r t ment of Hea lt h sha l l e st abl i sh a prog r a m for publ ic educ at ion on prost ate c a nc er.

T he prog r a m sha l l conduc t ac t iv it ie s to educ ate ma le s who a re 4 0 yea rs of a ge or older on t he need to per iod ic a l ly u ndergo phy sic a l ex a m i nat ions for c a nc er, i nclud i ng educ at ion on t he f requenc y a nd t y pe of such ex a m i nat ions t hat a re appropr iate for va r iou s a ge g roups of men.

Congressman Rufus B. Rodriguez leads the cutting of ribbon in this formal turn over of road concreting project that cost P1.6 million pesos yesterday. Road users going to Malasag Elementary School at Barangay Cugman expressed heartfelt thanks to Cong. Rodriguez for this development to the barangay. Also in photo are Barangay Kagawad Miller Cagatin, School Principal Rosemarie Dollente, DPWH District Engineer Allan Borromeo, ADE Cesar Hipona Jr., teachers, residents and the pupils.

DOLE helps preserves environment aims to improve lives for workers through jobs

By Karen Mae Liñan, Liceo U MassComm Intern C A G AYA N D E O R O Brgy. Mambuaya and the Department of Labor and Employment (DOLE) Region 10 join forces to come up with a tree growing activity on today at Mambuaya.

Iswag Kagay-an green our DOLE program is a program made possible by DOLE in preparation of any calamities that might hit Cagayan de Oro City after being struck two storms in the last two years.

Typhoon Sendong affected

the employment statistics of DOLE since some establishment had fallen down, thus offering a l ivel i h o o d res to ra tio n program to help the affected areas.

“This is a program which ensures safety, to sustain the opportunities in this City.

We will be planting 1,000 bamboos. Of course, with our Regional Director Johnson G. Cañete” said Mildred E. Dablio, admin officer.

DOLE has at least 40 programs that cater all type of categories starting from the pedicab (“sikad”) drivers,

“balot” vendors and more.

In the latest employment statistics top 3 of the most applied jobs are Call centers that have 92, 886 Dealers 26,513 production worker and factory worker that have 22, 763 total employees.

DOLE has now 3,000 job vacancies for local and 5,000 vacancies for overseas. A job fair will be mobilized on May 1 and 2 at the SM City CDO Car Park in partnership with SM City. Another job fair will be held for the agency’s anniversary at Limketkai Mall hosted by JobStreet.

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Soccsksargen tops MRDP AMONG the six regions in M i n d a n a o, S o c c s k s a r g e n (Region 12) has emerged as the top implementer of various development projects under the Department of Agriculture’s Mindanao Rural Development Program–Adaptable Program Loan Phase 2 (MRDP-2).

Based on MRDP2’s year-end evaluation and assessment, the ratings indicated that the four provinces of the region were the program’s top performers so far in terms of project implementation and funds disbursements.

Soccsksargen Region comprises the provinces of South Cotabato, Sultan Kudarat, Sarangani, North Cotabato and the cities of General Santos, Koronadal, Tacurong, Kidapawan and Cotabato.

In the region, the province of South Cotabato was adjudged as the best provincial local government unit in the implementation of MRDP projects.

This after the province recorded an accomplishment rating of 129 percent ranking number one among 26 provinces in the entire Mindanao region.

Meanwhile, Sultan Kudarat posted an accomplishment rating of 83 percent followed by North Cotabato with 68% and Sarangani with 55%.

From the original target of P60 million, South Cotabato was able to implement a total of P77.5 million worth of projects in 10 localities in the area, said Gov. Arthur “Dodo” Pingoy Jr. Pingoy said that the program had s er ve d 174 p e o p l e’s organizations, cooperatives and associations in the province from in the last two years. “ We have received this

citation because of our unique management strategy, and that is implementing the projects beyond politics,” he said.

With this excellent performance, South Cotabato will also serve as the pilot area for a bigger and wider Philippine Rural Development Program (PRDP) which is set to kick-off this year.

Secretary Proceso J. Alcala handed the special citation to Pingoy during a gathering in Tupi town recently.

Alcala said that for this year, DA has allotted another P6 billion for the implementation of additional projects under the program. This is on top of the agency’s appropriation for its priority initiatives in Mindanao this year that accounts for 38% to 40% of DA’s P76-billion budget for 2013.

Under the MRDP-2, the n at i o n a l g ove r n m e n t h a s allotted some P240 million for the implementation of various community-based projects in Region 12.

North Cotabato received an allotment of P80 million followed by South Cotabato with P60 million, Sarangani with P45 million and Sultan Kudarat with P37.5 million.

The program so far benefited 771 cooperatives, people’s org aniz at i o ns an d far m er associations in the region.

MRDP is a poverty alleviation initiative funded by the World Bank and the national government through the DA with the LGUs providing an equity share. The program seeks to further improve rural incomes and achieve food security through agri-fisheries infrastructure, livelihood enterprise, and biodiversity conservation projects. (DA-RFU12)

Introduces... from page 3

torsional rigidity through the use of more high and ultrahigh tensile steels, and highly rigid injection-molded foam to strengthen body joints without adding structural members.

The new Mazda 6 now has a strong chassis and body with a kerb weight of only 1,360 kg. The drag coefficient of the new Mazda 6 is a slippery 0.26, because of the streamlined profile, while the use of engine floor cover and extended front tire def lectors smoothen airflow underneath the car.

The aerodynamic efficiency of the new Mazda 6 helps to further improve high-speed stability and fuel economy.

For his part, Steven Tan, chief executive of local Mazda distributor Berjaya Auto Philippines, said that the new Mazda 6 signifies a fresh direction for Mazda in the Philippines.

“We are rebuilding the foundation to bring cars, SUV and trucks to our customers t hat are ex hilarating to drive, beautif u l to look at, comfortable, safe, high qu a l it y a nd a b ove a l l, incredibly fuel efficient,” he said. “The new Mazda6 and CX-5 are leading the p a t h w i t h S K YAC T I V TECHNOLOGY.” Book ing for t he new Mazda 6 begins April 4, 2013 at all Mazda sales and

service dealerships across the country.

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against the continued use of the propert y without payment despite the issuance of a Court order.

T he p ay m e nt b e i n g demanded by the Boto heirs is for the 3.3 hectares of land they owned located at the airport’s runway.

T hose who stood a s witnesses in the negotiations between Co and the heirs of Boto were local police commander Supt. Julius Muñez and Councilor Arnold Gavenia, chair of the City Council ’s Committee on Transportation.

As this developed, the Cebu-Pacific Air (CEB), one of the two airlines serving this city from Manila and Cebu has resumed its flight Wednesday.

CEB’s f light PR 5J-771 from Manila landed around 8:30 a.m.

CEB and Airphil Express suspended their operations when the heirs of Boto have barricaded the runway last Thursday. (PNA)

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Pag-IBIG has likewise contracted the services of six appraisal companies to help fast track the appraisal of a c qu i re d prop er t ie s available for disposition.

“Submission of the appraisal

report of these properties is now within five working days for a minimum of 100 accounts per batch for NCR and t he CALABAR ZON areas,” Atty. Berberabe adds.

T he s e de ve lopment s in Pag-IBIG’s billing and appra isa l a re f ur t her enhanced with the engagement of additional local collecting partners.

The Fund has accredited col lect ing agencies to receive individual monthly ma nd ator y sav i ngs a nd housing loa n pay ments.

Memb er s c a n now p ay their housing loan a mor t i z at ion over-t he cou nter w it h L a ndba n k a nd Met roba n k . PagIBIG member-borrowers who have active accounts with Metrobank can pay online, via Automated Teller Machines (ATM) or mobile phone using MetroDirect.

Bayad Center and SM Business Centers, Hy per Ma r t a nd Savemore a re also accepting payments for i nd iv idu a l mont h ly ma nd ator y sav i ngs a nd housing loan amortization.

These establishments are strategically located where foot traffic is high.

Meanwhile, Overseas Filipino Workers (OFWs) c a n pay t hei r mont h ly s a v i n g s , S h o r t Te r m Loan and Housing Loan a m o r t i z a t i on s a t a ny Philippine National Bank or Metroba nk overseas bra nches or at t heir

respective remit ta nce pa r t ners . A sia Un ite d Bank’s remittance partners abroad a nd non-ba n k entities such as iRemit Inc. and Ventaja International Corp. also accept payments for Pag-IBIG savings and loan amortization.

Members a re rem i nded to a lways bri ng t heir current billing statement or member’s identification nu mb er or M I D, w hen paying their housing loan amortization or membership savings, respectively.

Pag-IBIG is not stopping at looking for ways on how to make its services more accessible and more efficient for its growing membership.

(HDMF-Manila/Pag-IBIG Fund-CdeO/RTP/PIA-10)

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Today’s HOROSCOPE AQUARIUS (January 20 – February 18) - You are usually the idea generator and rely on others to see the process through. At this point you will want to have a hand in the execution of the project as well as its development. Ensure those you’re working with have a vivid idea of what you expect of them and what they must do.

GEMINI (May 21 – June 21) - This is a time of good humor and fortune as Jupiter affects your life. Just be careful of haters lurking in corners as they can undermine your efforts and spoil your good mood. Associate only with those who know and love you and add to your positive energy. Identify the detractors and be quick to banish them from your life.

LIBRA (September 23 – October 22) - Before you can make a plan of action you need to have crystal clear intentions. Narrow your focus to one goal at a time and create an effective strategy for achievement.

Once you know what you want to do and how you’ll go about doing it you’ll be much more likely to follow through and be successful.

PISCES (February 19 – March 20) - When a misunderstanding occurs in your personal life you will want to clear it up immediately. You may have come to a conclusion about the circumstances already, but you will need to share your feelings with the other party involved. Open, honest communication is the fastest and most effective way to clear up confusion and heighten understanding.

CANCER (June 22 – July 22) - It would be nice if all your options were laid out in front of you when faced with a challenge. Unfortunately that is not usually the case and you have to discover the information on your own.

Lucky for you though, your mental adeptness allows you to gather the details and make sense of them to arrive at the most logical conclusion.

SCORPIO (October 23 – November 21) -When you find yourself reliving a situation from the past it is wise to stop and look at the root cause.

Is there something you’re doing to cause circumstances to repeat themselves or are there other contributing factors? Identify your feelings regarding the situation and make a solid attempt to deal with them.

ARIES (March 21- April 19) - Challenges can unsettle you, but they can also lead to productive changes. When you are forced to step up to the plate and outside of your comfort zone you get to see what you’re really made of. This process of working through an issue can allow you to get to know yourself on a different level. Embrace challenge and welcome the opportunity to grow.

LEO (July 23 – August 22) - The best way to combat negativity is with eternally positivity. Some people take great pleasure in bursting bubbles and it is up to you not to let them. Live your dreams and don’t let anyone tell you what you can’t do. If you put your mind to it and believe in your purpose you will achieve it.

SAGITTARIUS (November 22 – December 21) - New and influential friends will make their way into your life right now. The people you align yourself with at this stage promise to serve a major purpose in your life beyond companionship. A new beginning approaches and you’ll want to have new friends to accompany you on your new journey.

TAURUS (April 20 – May 20) - If your work life needs updating, perform the necessary research and consider your options carefully. It may be wise to seek advice from those who’ve stood in your shoes before to formulate your action plan. If the situation is personal however, try not to seek any advice but your own. Too many opinions here can do nothing but confuse you.

VIRGO (August 23 – September 22) - You usually know the best course of action to take, but that doesn’t mean others will listen to you. There will be the occasion when someone begs to differ and does their own thing.

Don’t get upset though, as your job as a friend has really just begun. Your support is needed even though you want to say “I told you so.”

CAPRICORN (December 22 – January 19) - Take a moment out of your busy schedule to revitalize your spirit and environment. Chances are the clutter has been building and it is time to clear it away. When you organize and clean your physical space your mind and thoughts become clearer too. Unblock the energy pathways in your home, office and head and you will feel the difference.

CROSSWORD puzzle

CIRCLE A WORD High hopes

avalanche base belay boots camp cliff climber

cold crack crag crampon crevasse drink equipment

food grip handhold icy jagged ledge loose

across 1.Pop group, heads (7) 5.Indian capital (5) 8.Mining extract (3) 9.Holy city of Islam (5) 10.Shoe-cover (5) 11.Actor’s words (5) 12.Actor, Savalas (5) 14.Dodge (5) 15.Stimulus (4) 17.Charles Bronson film, Wish (5) 20.Deal with (5) 22.Grotesque (4) 23.Foreign (5) 24.Large wading bird (5) 27.Mournful tune (5) 29.Smouldering coal (5) 30.Up and about (5) 31.Dwarf (3) 32.Trample (5) 33.Embryonic frog (7) DOWN 1.Coax (5) 2.Neighbourhood (5) 3.European country (5) 4.Academic robe (4) 5.Sweet course (7)

6.Seepage (7) 7.Examine carefully (7) 13.Regard (3) 16.Chum (3) 17.Nearest and, TV sitcom (7) 18.Friendly (7) 19.Century (7) 21.Clamour (3) 24.Listened to (5) 25.Proportion (5) 26.Pluck (5) 28.Makeshift boat (4)

Answers for yesterday (April 10, 2013)

ACROSS: 6.Scatter-brain, 8.Fatigue,9.

Chain, 10.Inch, 12.Bonsai, 14.Elder, 15.Island, 16.Aria, 19.Navel, 21.Martini, 22.Prescription DOWN: 1.Nautical, 2.Stage, 3.Breed, 4 .Tr a c t o r, 5 . L i m a , 6 . S u f f i c i e n t , 7.Invitation, 11.Old, 12.Bet, 13.Sardinia, 14.Enclose, 17.Emery, 18.Tripe, 20.Vary

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Spared... from page 1

Cagayan de Oro City is cu r rent ly enjoy i ng a steady power supply and ha s so fa r esc aped t he rotational brownouts being implemented in other major urban centers in Mindanao.

But this will drastically change in 2014 when the island’s power deficiency will reach 484 megawatts since no new power plants are expected to supply the grid’s badly-needed electricity, said Bobby Orig, AboitizPower f i rst v ice president for Mindanao Affairs.

“The power situation in Mindanao is very bad. But it will worsen next year as our power deficiency is expected to reach 484 megawatts.

That deficiency is enough to power five major cities in Mindanao,” he said.

Wit hout speci f ic a l ly identifying these cities as the ones that will suffer in 2014, Orig said the 484 MW power deficiency in 2014 is like taking power out of such cities as Davao, Genera l Santos, Butuan and Zamboanga, including this city — practically all corners of the southern Philippines. These cities, except Cagayan de Oro, are currently suffering rotational brownouts.

But hope is on the horizon as the AboitizPower is fast t r ack i ng it s subsid ia r y He d c o r, I n c .’s Tu d ay a hydropower project in Sta. Cruz, Davao del Sur to enable it to go online by early 2014.

The Tudaya hydropower project, started in 2008, consists of t wo r un-ofriver type plants along the Baroring and Sibulan rivers.

On grid, it is expected to contribute at least 14 MW of power.

However, t his is not enough to of fset t he deficiency.

Another AboitizPower project, the coal-fired power plant being constructed in Toril, Davao City by another subsidiary, Therma South, Inc. will go online only in mid-2015. It will supply 300 MW to the grid.

Orig said t hat t he Mindanao power crisis will peak in 2014, “unless big base load power stations are connected to the grid before next year.”

At present, AboitizPower is diversif ying its power

sources, concentrating on hydro and geothermal and coal to supply customers with power they can afford.

T he Nat iona l Power Corp. (Napocor) said in a statement Monday that it will be force to shut down its Agus hydropower plants if present trend of falling water level in its source, Lake Lanao, continues.

T h e A g u s f a c i l it i e s contribute 35-40 percent o f M i n d a n a o ’s p o w e r requirements.

Napocor projects Lake Lanao water elevation to go down to the critical level of of 699.15 meters above sea level by next month, by which time it will reduce operations of the Agus plants.

But if the level goes below 698.15 meters, Napocor protocols dictate the shutting down of operations.

Napocor has a combined contracted power capacity of 924 MW, which it said it will be able to meet until next month.

At present, Napocor’s combined dependable capacity (from the Agus and Pulangi hydropower complexes, Power Barge 104 and independent power producers) is at 924 MW, just enough to meet its obligations to its Mindanao customers.

Italpinas... from page 1

V. Nati, Italpinas chairman a nd president. “Beyond constructing the first real green building in Northern Mindanao with Primavera Residences, we wish to share our advocacy for a sustainable lifestyle with other likeminded organizations like HFH Philippines and their home partners who were victims of Sendong.” “ T his is pa r t of ou r mission to create a safe, clean and green environment,” said Melva B. Gontinas, ComDev / Partnership Building, HFH Philippines. HFH Philippines has constructed permanent concrete houses for its home partners affected by the Tropical Storm Sendong flash flood in the two sites. “This is just a beginning, we will continue with the advocacy of growing trees for all HFH Philippines construction sites for a safe, clean and green environment that is resilient from man-made and natural calamities.”

O n e hu n d r e d (10 0) fruit bearing seedlings of

five varieties (Rambutan, Nangka, Guyabano, Marang and Mango) requested by the home partners were provided

by Italpinas under its Social R e s p on s i bi l it y P r oj e c t dubbed “Go Green, Plant a Tree”, said Gladys Ivy M. Echano, Italpinas Sales and Marketing Director.

Some 30 of Italpinas’ of f ice st a f f, accred ited brokers a nd t heir sa les personnel joined the HFH Philippines CDO team for the whole day activity.

“We wish to invite other organizations who advocate a sustainable lifestyle to join forces with us so we can share our vision for clean and green living not only within Uptown Cagayan de Oro but in other areas as well,” said Mr. Nati. advertorial

Alumni... from page 1

Elections (NAMFREL), the group commits themselves to anti-fraudulent activities that are preventive in character, even as they vow to take full assistance on matters of (1) Logistics monitoring; (2) Poll Watching; and (3) Election Results Verification.

“We will monitor and ensure the security of electionrelated paraphernalia—from the time of their delivery to deploy ment, storage, distribution, and retrieval for their accounting and audit,” the manifesto reads.

As for poll watching, the alumni association will assist NAMFREL volunteers in steering the conduct of safe and orderly election in assigned precincts for the effective and efficient implementation of voters’ assistance program.

It will also “assist in t he safet y retrieva l and proper collection of both Parish Pastoral Council for Responsible Voting (PPCRV) and NAMFREL electionreturn copies in the conduct of a joint parallel counting activity for local election results verification,” it said.

Pat rcick Absi n, v ice president of the a lumni association, said the group will also intensify the same tasks being partner of the Parish Pastoral Council for Responsible Voting (PPCRV), but will confine the parallel counting to local candidates alone.

Absin said they will leave the counting of votes for the senatorial candidates

to NAMFREL and PPRV in Manila.

Shou ld t here be a ny discrepancy in the results of the counts, Absin said the Crusaders for HOPE are willing to bring the matter up for legal actions.

“Yes, if evidence warrants, we will raise the discrepancy in the results to the courts,” Absin said.

As a member organization of the Kagayanon for Good Governa nce Movement, Cr usaders for HO:PE will strive to engage and c ap a c it at e K a gay a non s on the initiatives towards the attainment of a clean, honest, orderly, peaceful, and meaningful election, paving for their active involvement in the promotion of good governance, and in their participatory engagement in the rebuilding of Cagayan de Oro City to become the most progressive and most dy namic socio-cu ltura l, political, and economic hub of Mindanao.

The same vow makes the alumni members committed to serve as active stakeholders of local political reforms and set the high standards for good governance.

Absin said the high school alumni association has the suppor t of its members abroad financially and also from those who are here in the country. Despite the thousands of alumni the high school department has been producing, Asbin said they will rely on the 2,500 active members who are often in attendance during the school’s homecoming.

SPECC CDC, the Pinoy Coop ATM used by SAFRAGEMC, will use debit card, which is an efficient way of doing business to the cooperative.

Instead of using the usual credit card system, which had its history of bad debt and credit overload, the Pinoy Coop ATM promises to deliver its intended purpose by issuing a sufficient amount of money based on your deposited cash or balance, a stark contrast to the supposed unlimited nature of credit cards which can be prone to unlimited use.

With its On-Us (within coop transaction), Acquirer, and Issuer (the actual issuing of cards to the members) as its initial options for the procurement of the said system, other highlights of the program include bills payment, interbank fund transfer, internet banking, Me ga l i n k c ros s b order services, load fulfillment and mobile banking.

The said system aims to elevate the flow of deposits w it hin t he cooperative, with its convenience as its

11

main focus, of which can also generate a much higher frequency rate in terms of cashing in (time or regular deposits).

John Vic Quilab, one of the representatives of MASSSPECC CDC, said that this system has all the right tools as far as keeping tabs with the services offered by these banks are concerned adding that the introduction of using debit cards is now fast becoming a trend of doing business in a cooperative.

He said that with Pinoy Coop ATM, SAFRAGEMC’s image will improve significantly, that it can now do business on a 24/7 notice, reduces the over the counter transaction in the office, increases its outreach program, and a chance to serve the community better than its previous setup.

Other cooperatives, some of which are co-cooperators of SAFRAGEMC, had already availed themselves of the said ATM program, making Pinoy Coop ATM as the next step for the development of the cooperative.

Coop... from page 1

Center reached an agreement to work out on such upgraded deposit system.

Under the agreement, MASS-SPECC will install the ATM units to the five branches of SAFRAGEMC which has now reached Nabunturan, Compostela Valley and Gingoog City.

Ms. Ana Nueva Naparota, Finance Officer of SAFRAGEMC, said the ATM would develop a more proficient and fast-paced transaction to its depositors and encourage more people to join the cooperative. “ The ATM will surely give total convenience and satisfaction to thousands of its members,” Naparota said.

According to MASS-

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