BusinessWeek Mindanao (October 20-21, 2021)

BusinessWeek M I N DA N A O CREDIBLE

Volume XII, No. 56

Market Indicators

AS OF 6:00 PM OCTOBER 19, 2021 (TUESDAY)

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Loans for bonus LOANS that will help small enterprises make payroll for 13th month salaries will now be available only to micro enterprises due to lack of funds, according to the Department of Labor and Employment (DoLE).

In a briefing Monday, Labor Secretary Silvestre H. Bello III said the eligibility cutoff is “those with a maximum of 10 workers” who are still struggling financially due to the pandemic in order to qualify for soft loans from the Small Business Corp.

(SB Corp.), an arm of the Department of Trade and Industry (DTI).

The initial plan of the DTI, DoLE, Finance Department, and the Employers Confederation of the Philippines was to provide soft loans to micro and small enterprises, but Mr. Bello said SB Corp. can only cater to micro businesses due to its budget of P200 million.

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Supply expansion THE Philippines will require investment of P5.76 trillion to expand the power supply and allow renewables to make up a larger part of the power mix by 2040, according to the Department of Energy (DoE).

Most of the investment should go to renewable energy (RE) generating facilities, the department said in its latest Philippine Energy Plan (PEP) posted on its website.

The updated plan, which covers the years 2020 to 2040, said the total investment cost will help the Philippines reach its targets under the “clean energy scenario” (CES).

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Camiguin tourism revival a boost to PH recovery M www.businessweekmindanao.com

Wed-Thu|October 20-21, 2021

Thank you for trusting us!

By ERCEL MAANDIG, Reporter

AMBAJAO, Camiguin – The reopening of tourist sites in this island province will not only help the local economy but also contribute to the national government's recovery, the governor here said Monday.

During a speech, Camiguin Gov. Jurdin Jesus Romualdo said to achieve this goal, tourism workers must be protected first by inoculating them with coronavirus disease 2019 (Covid-19) vaccines before the island's reopening to tourists on October 25.

"We need to open because we don't want to be a burden to the national government, which is dealing with many borrowings (loans)," he said.

TOURISM/PAGE 11

CLEANUP. A staff in one of the hotel resorts in Mambajao, Camiguin cleans the swimming pool on Monday, Oct. 18, ahead of their reopening on October 25. The provincial government has already requested, through the Department of Tourism, more Covid-19 vaccines to inoculate tourism workers in the island province. pna photo by nef luczon

100K Maranaos excited to return to their homes at MAA

Housing for evacues MARAWI City – For more than four years, Norhaima Ditucalan's family was at her grandparents’ house in Ditsaan Ramain, Lanao del Sur, some 10 kilometers away from Marawi City where they lived for decades.

Ditucalan used to live with her three other siblings and their families at a three-story house in Barangay Datu Naga inside the most affected area (MAA) of the 2017 siege.

Their source of income was a small store on the ground floor.

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MARAWI City – After President Rodrigo Duterte's visit to Marawi City on Saturday, affected residents of the siege four years ago are hoping they will be able to return to the Most Affected Area (MAA).

In an interview Sunday, Moro Consensus Group chair Drieza Lininding said

there are still about 100,000 residents who are eager to return to their properties at MAA, where most projects are being developed through Task Force Bangon Marawi (TFBM).

"Af te r re si d e nt s are returned (to their places in MAA) after four years EXCITED/PAGE 11

Alsons' new hydro plant sets operation next year CLEAR WATERS. Local tourists have fun in the crystal clear waters of a beach resort in Glan, along Sarangani Bay. mindanews photo by bong s . sarmiento

Pacquiao slams PhilHealth’s delayed payments to hospitals

By FRENCIE CARREON, MindaNews

ZAMB OANGA City -- S enator Emmanuel “Manny” Pacquiao called on the Philippine Health Insurance Corp. (PhilHealth) to immediately release funds due to hospitals in General Santos City and other medical institutions around the country.

The senator, interviewed by phone on Sunday, made the pronouncement after receiving an urgent appeal from eight hospitals in

General Santos City who s o u g ht h i s a s s i s t a n c e , claiming that they are “close to financial exhaustion” because of PhilHealth’s outstanding payables amounting to P834 million.

“We are at war with this pandemic and there is no need for bureaucratic red tape in time of crisis,” said Pacquiao, who grew up in General Santos and once ser ved as congressional representative of neighboring

ALSONS Power Group said its 14.5-megawatt (MW) Siguil hydroelectric power plant in Maasim, Sarangani is on track to begin commercial operations next year, noting t h at c o n s t r u c t i o n h a s

proceeded on schedule.

In a statement Monday, Alsons Power said that it is currently developing the P14.5-billion run-of-river project’s power house which HYDRO/PAGE 11

Sarangani province.

T h e e i g ht h o s pit a l s in General Santos that complained against PhilHealth are Auguis Clinic & Hospital, General Santos Doctors Hospital, Gensan Medical Center, Mindanao Medical Center, RO Diagan C o o p e r at i v e Ho s p i t a l , Sarangani Bay Specialists Medical Center, Socsargen County Hospital, and St. Elizabeth Hospital.

“Mounting receivables from PHIC coupled by PAYMENTS/PAGE 11

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DICT infra to boost internet connectivity in Marawi

M

ARAWI City -- Following the ceremonial groundbreaking for the construction of the Department of Information and Communication Technology (DICT)’s Digital Transformation Center (DTC) and National Operation Center (NOC) Friday, October 15, the internet connection here is now expected to be bolstered as more government offices will have their own connectivity.

DICT Undersecretary for Resilient Government and Emergency Communications Alan Silor shared in his keynote message that under

Marawi rehabilitation, the DICT is tasked to provide a communications network and internet connectivity through the expansion of government network (GovNet) and establishment of the fiber optic cable network (FOCN), a fast, secured and efficient internet access for government offices in the city and certain areas in the province.

Department of Human Settlements and Urban Development (DHSUD) Secretary and Task Force Bangon Marawi (TFBM) Chairperson Eduardo Del Rosario stressed that through the DICT, the city and its citizenry will now be connected as far as information technology is

concerned.

“It may look small compared to the other facility but this very small infrastructure will connect everyone.

It will not only connect government agencies but it will connect people and our social responsibility in the infrastructure will be achieved,” he said.

Del Rosario further emphasized that the locality will not rely anymore on private telecommunication as with the new investment, through the support of the government of building relevant infrastructures, the internet connectivity will be stronger.

City Mayor Majul Gandamra likewise

BALINGASAG, MISAMIS ORIENTAL National Highway Balingasag, Barangay 4, Balingasag, Misamis Oriental Mobile Number/s: 0933-823-3161, 0933-823-3304 Tel. Number: 333-5161 CAGAYAN DE ORO P&J Lim Building, Tiano Kalambagohan St., Barangay 14, Cagayan de Oro City, Misamis Oriental Tel No. (08822) 727-829 / 231-6629 Telefax No. (088) 856-1947 Mobile No. 0933-823-3303 / 0943-708-7065 CAGAYAN DE ORO WAREHOUSE Warehouse 7, Bonbon Road, Kauswagan, Cagayan de Oro City, Misamis Oriental Mobile No. 0917-825-4149 / 0943-708-7065 CARMEN, CAGAYAN DE ORO Vamenta Blvd., fronting CEPALCO, Carmen, Cagayan de Oro City, Misamis Oriental Tel. No. (088) 233-2011 Mobile No. 0933-823-3159 CORRALES, CDO Corrales Ave., Barangay 29, Cagayan de Oro City, Misamis Oriental Telefax No. (088) 231-2055

mentioned how the city indeed needs a communication facility to strengthen the internet connectivity of public offices.

103rd Infantry Brigade’s LTC John Ferdinand Lazo representing Brigade Commander Jose Maria Cuerpo II conveyed his appreciation to the DICT’s project as he believed that this will be beneficial in intensifying their campaign against criminality and terrorism to maintain peace and order in the area.

“Thank you to DICT kay natutulungan ang Philippine Army na magkaroon ng magandang communication para masolve ang kriminalidad sa Lanao del Sur. Kami ay

DIVISORIA, CDO A. Velez St., Barangay 9, Cagayan de Oro City, Misamis Oriental Telefax No. (088) 856-1947 Mobile No. 0917-841-4000 / 0933-823-3164 GINGOOG CITY G/F Wyne Militante Bldg., Lugod St., Barangay 22, Gingoog City, Misamis Oriental Telefax No. (088) 861-0104 Mobile No. 0933-823-3168 LAPASAN, CDO National Highway (FICCO Bldg.), Lapasan, Cagayan de Oro City, Misamis Oriental Tel. No. (088) 231-6739 Mobile No. 0933-823-3160 PUERTO, CDO Purok 6, Puerto, Cagayan de Oro City, Misamis Oriental Tel. No. (088) 859-0574 Mobile No. 0943-708-7537 CAMIGUIN B. Aranas St., Poblacion, Mambajao, Camiguin Telefax No. (088) 387-0491 Mobile No. 0943-708-7539

handang suportahan ang project para maganda ang resulta sa kampanya laban terrorism sa Lanao del Sur at sa iba pang karatig lugar,” he said.

Meanwhile, Silor highlighted that DICT will be an ally in ensuring the recovery of the city.

“Hand in hand, let

us bring hope to the realization of a new Marawi. More so in the menacing presence of the COVID-19 pandemic, may we all be a part of Marawi City’s retreat to safety and dignity. The DICT is your partner for change,” he said. (CRG/PIA-Lanao del Sur)

Tawi-Tawi gets seaweed buying station project ZAMBOANGA City – The Ministry of Agriculture, Fishery and Agrarian Reform in the Bangsamoro Autonomous Region in Muslim Mindanao (MAFARBARMM) is constructing a seaweed buying station in Sapa-Sapa, Tawi-Tawi, to boost the livelihood of seaweed farmers in the area.

The buying station project, worth PHP4.8 million, is located in Barangay Butun, SapaSapa, a third-class town in Tawi-Tawi, which consists of 23 barangays with a population of 33,580 as of the 2020 census.

Aidarus Nami, MAFAR

Tawi-Tawi provincial director, said Tuesday that the project covers the construction of a warehouse building and procurement of other equipment needed to operate the buying station.

“The project is aimed at boosting economic gains of the seaweeds farmers of Sapa-Sapa and the nearby municipalities,” Nami said.

For the same price, seaweed farmers can now sell their products at the much nearer Sapa-sapa buying station instead of traveling to Bongao, the province's business center.

He stressed that the project, once completed, will encourage seaweed producers to increase production and boost their income.

He noted that the province of Tawi-Tawi is the top producer of seaweed in BARMM and one of the country’s top producers of seaweed.

He said Philippine Statistics Authority (PSA) data showed that about 34.54 percent of the total aquaculture production during the fourth quarter of 2020 in BARMM was composed of seaweeds.

He said that the province of Tawi-Tawi recorded the highest production of aquaculture in the region during the fourth quarter of 2020.

Tawi-Tawi contributed 42.08 percent of the total regional production and followed by Sulu with a 33.09 percent share.

Meanwhile, Shameera Macaraeg, Sapa-Sapa municipal administrator, expressed the municipal government’s gratitude to the BARMM for the implementation of the project in the municipality.

“The project will surely benefit the constituents of Sapa-Sapa municipality in many ways,” Macaraeg said. (PNA)

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People Empowerment Means Social Transformation KIM'S DREAM

Mainstream media drumbeats continuously nowadays t he i mp or t anc e of t he forthcoming elections. You want change? Elect a good leader to make life better for the Filipino people. Thus, register and vote. Oh my God, that’s not true!

The truth is, no leader, no messiah can change a highly skewed pyramidal societal order where vested interest supremely reign despite all efforts to curb them. In a country where big businesses reign controlled by

conglomerates, monopolies, oligarchs and cartels and where 70% of the Gross Domestic Products is being pocketed by just 50 families, inclusive growth can never be had. Glaringly, the root cause of the problem is in the systems and structures breeding poverty, gross inequities and social injustices.

Let us pause and reflect for a while that indeed after every election, the structure that breeds so much poverty, powerlessness and corruption has remained as formidable as ever. Those elected, financed by vested interest groups always make sure that the status quo continues through transactions as these leaders are transactional and never transformative. Yes, the monopoly is not just in the economy; it is also in politics manifested by political dynasties. In this country, economic power

begets political power.

Elections seem to center on personalities rather than on issues, thus, social injustices and inequities go on without let-up. As our country is now in so much disarray due to the pandemic as millions have no income either unemployed or underemployed and the economy suffering negative growth with increasing foreign debt now amounting to more than eight trillion pesos. Based on the Senate Blue Ribbon investigation, is it true that the culture of corruption continues without let up, perpetuated by those who cannot moderate their greed, portraying themselves as full of integrity and decency but behind their masks are nothing but vultures who suck our country dry of resources?

The oppressive structures that spawn these negative c u ltu re s mu s t n ow b e counter vailed upon. By whom? By those who will

win the 2022 Elections? But elections seem to center on personalities rather than on issues. Elections in this countr y can be likened to a “big circus” that see candidates doing gimmicks of opening -up the “floodgates” of their fund reservoir to finance campaign show that would include movie stars and assembling their political machineries for massive propaganda. We must now discard all illusions that such exercise of our right of suffrage will make a difference in effecting the much needed social transformation.

Social transformation can only be had when the people are awakened and conscienticized to countervail against oppressive structures and systems. How can we break the vicious cycle of poverty in the rural areas where according to the United Nations’ Food and ELECTIONS/PAGE 11

Studies show the ability to tolerate alone time has been linked to increased happiness, better life satisfaction, and improved stress management.

People who enjoy alone time experience less depression.

Short-term tips to get you started to avoid comparing yourself to others are easy to be said: Take a step back from social media. ...

Take a phone break. ...

Carve out time to let your mind wander. ...

Take yourself on a date. ...

Get physical. ...

Spend time with nature. ...

Lean into the perks of being alone.

I can be a reluctant socialiser. I’m sometimes secretly pleased when social plans are called off. I get restless a few hours into

a hangout. Maybe, I'll not be invited any more. Or not so often... . I even once went on a free 10-day silent meditation retreat – not for the meditation, but for the silence.

So I can relate to author Anneli Rufus, who recounted in Party of One: The Loners’ Manifesto: “When parents on TV shows punished their kids by ordering them to go to their rooms, I was confused.

I loved my room. Being there behind a locked door was a treat. To me a punishment was being ordered to play Yahtzee with my cousin Louis.”

Several years ago in one of my write-ups, I wrote about loneliness or in other words splendid isolation.

Asocial tendencies like these are often far from ideal. Abundant research shows the harms of social isolation, considered a serious

public health problem in countries that have rapidly ageing populations (though talk of a ‘loneliness epidemic’ may be overblown). In the UK, the Royal College of General Practitioners says that loneliness has the same risk level for premature death as diabetes. Strong social connections are important for cognitive functioning, motor function and a smoothly running immune system.

This is especially clear f rom c as es of ext reme social isolation. Examples of people kept in captivity, children kept isolated in abusive orphanages, and prisoners kept in solitary confinement all show how prolonged solitude can lead to hallucinations and other forms of mental instability.

But these are severe and involuntary cases of aloneness. For those of us

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Challenge (Part 1) Think a minute...One man said, “I have problems flown in fresh daily wherever I am!”

Ever feel like you cannot get away from problems no matter where you go?

We all know that problems and challenges are a part of life. Some of them we face every day at home and at work. Then there is that once-in-a-lifetime challenge we must overcome. How we respond to challenges greatly determines how successful and satisfying our life will be. Remember: “A smooth sea never made a skillful sailor.”

The world of sports can help us see the kind of heart and courage we need to rise to the challenge. Years ago the Australian Herb Elliot was a great runner until he broke his foot and could not run for months. He was then forced to only watch as John Landy ran the mile in under four minutes.

Afterwards, Elliot told a famous running coach that he also wanted to run the mile in less than four minutes. The coach looked at him and answered: “Son, do you know what it takes

ORLAN R. RAVANERA

ATTY. MARIO T. JUNI

CLIFFORD SANTILLAN

THINK A MINUTE

WED-THU|OCTOBER 20-21, 2021

Elections: Nothing but illusion

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Alone?

KLAUS DORING who just prefer plenty of alone time, emerging research suggests some good news: there are upsides to being reclusive – for both our work lives and our emotional wellbeing.

Social anxiety is the single most common psychological problem according to innumerable survey results worldwide. The Magnificent, gorgeous and excellent isolation, resulting from ALONE/PAGE 9

From abandonment to apostolic zeal JHAN TIAFAU HURST to run a mile in under four minutes? Are you ready to run until you can hardly stand and you’re almost unconscious?” Young Herb Elliot rose to the challenge.

Less than one year later, at age 19, he broke the world record by running a mile in only 3 minutes and 54 seconds!

The great female athlete Babe Didrikson won two gold medals in the Olympics and was also a champion in tennis, golf, horseback riding, swimming, basketball . . . and then cancer. At the end of her fight with this deadly disease, she called her husband to her bedside, took him by the hand and CHALLENGE/PAGE 11

IT’S intriguing to note that when Christ sent out his disciples in pairs to prepare his coming to the different towns, he commanded them to “carry no money bag, no sack, no sandals, and to greet no one along the way.” (cfr. Lk 10,1-9) He is actually telling them not to worry so much about these items because in the end he will take care of them.

Such words of Christ can only remind us that we should always be trusting of the ever-powerful and merciful providence of God who governs all of his creation with absolute effectiveness no matter how much we mess up things.

Yes, we may experience some privations, some losses, etc., in our life, but if we stick with God, we know that everything will always work out for the good. (cfr.

Rom 8,28) With all the things that

we have to contend with in this life, we certainly need to have a healthy sense of trust in God’s loving and wise providence, abandoning ourselves in his will and ways that often are mysterious to us and can appear to be contrary to what we would like to have.

A h e a lt hy s pi r it of ab andonment in G o d’s hands is necessary even as we exhaust all possible human means to achieve our goals or simply to tackle all the challenges, trials and predicaments of our life. We should never forget this truth of our faith.

In this life, we need to acquire a good, healthy sporting spirit, because life is actually like a game. Yes, life is like a game. We set out to pursue a goal, we have to follow certain rules, we are given some means, tools and instruments, we are primed to win and we do our best,

but losses can come, and yet, we just have to move on.

Woe to us when we get stuck with our defeats and failures, developing a loser’s mentality. That would be the epic fail that puts a period and a finis in a hanging narrative, when a comma, a colon or semi-colon would have sufficed.

We need a sporting spirit because life’s true failure can come only when we choose not to have hope. That happens when our vision and understanding of things is narrow and limited, confined only to the here and now and ignorant of the transcendent reality of the spiritual and supernatural world.

It’s only when we are properly detached from the things of this world and trust in the powerful providence of God that we can develop the ideal apostolic zeal. To develop our zealous apostolic c on c e r n s u re ly e nt ai l s

HINTS AND TRACES

ROY CIMAGALA sacrifice. We should not be surprised if in pursuing it we are challenged, faced with difficulties and asked to do self-denials and other forms of sacrifice.

We just have to hold firm on our Christian conviction, together with the continuing petition for God’s grace and the generous discharge of our human effort, that to do apostolate is the will of God. He is bent in accomplishing it. It’s his first concern to contend with the difficulties.

ZEAL/PAGE 11

5 Century Pacific sees faster growth for Mindanao with more efficient logistics L Advertising and Editorial E-mail : businessweekmindanao@gmail.com Contact nos. : 0917-7121424 • 0947-8935776

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ISTED firm Century Pacific Food, Inc. (CNPF) sees more investors and traders coming into Mindanao, where the company has major presence with its processed marine and coconut products, if the overall logistics network is made more efficient.

Wilhelmino Nicolasora, Jr., CNPF vice-president for domestic sales, said the “logistical challenge” in the country’s south was magnified by the coronavirus pandemic as restrictions made sourcing and movement of supplies more difficult.

“Efficiency in logistics

CorporateWorld

networks will open more (export and import) opportunities in Mindanao,” he said last week during the second installment of the Davao Investment Conference 2021 Innovation Series that focused on the potential of the Mindanao market.

Mr. Nicolasora cited how improved infrastructure such as the newly upgraded airport in General Santos City, known as the tuna capital of the Philippines, would boost supply chains.

The company reported a 24% rise in net income to P3.9 billion last year, driven

by its branded business that includes marine, meat, and milk products.

Mr. Nicolasora also said that while Mindanao is already a major export producer for the country, particularly agricultural commodities, promoting its potential to investors needs continued work.

“We have to break through the negative image of Mindanao… If its potential is unleashed, Mindanao is a powerhouse that can influence possibilities not just on a regional level, but on a national level too,” he said.

The six regions in Mindanao

contributed 17.1% to the country’s economic output in 2020, with Northern Mindanao and Davao having the biggest shares at 4.7% each.

Luzon’s eight regions, including the capital, accounted for 69.2% of gross domestic product while the remaining 13.6% share was from the three Visayas regions.

Lafayette A. Lim, president of the Davao-based NCCC Group of Companies with interests in retail and real estate development, said now is the opportune time for investors to venture into Mindanao.

“The saying ‘Give Mindanao

a chance’ is outdated and no longer true. Overlooking Mindanao and taking it for granted is a bad business decision,” he said during the same forum organized by the Davao City business chamber.

Mr. Lim announced that NCCC, with its supermarket and non-food store chains, is preparing to enter the franchising industry.

“This is to allow aspiring business owners to benefit from the NCCC brand and technology. All in all, this makes faster growth in places where our stores are present,” he said.

offers perks to PH firms seen to raise salary 2GO vaccinated passengers budget by 5.6% in 2022 PHILIPPINE-based companies are optimistic about their businesses next year as employers plan to expand the average salary budget by 5.6 percent by 2022, the latest survey of global advisory, broking, and solutions company Willis Towers Watson said.

The projected salary increase in the country

next year is higher than the forecast average increment in the Asia Pacific at 5.3 percent.

The estimated hike rate in the Philippines is higher than the rates of salary increase in Asia Pacific economies such as Japan at 2.5 percent, Australia at 3.4 percent, Taiwan at 3.5 percent, Hong Kong at 3.6

percent, Singapore at 3.7 percent, South Korea at 4.1 percent, Thailand at 4.6 percent, and Malaysia at 5 percent.

Companies in China are expected to further increase salaries to employees by 5.9 percent, Indonesia by 6.5 percent, Vietnam by 7.4 percent, and India by 8.8 percent.

“Pay rises are making a comeback. Companies in the Philippines plan to give employees higher increases next year as they recover from the economic fallout of the pandemic and face mounting challenges in attracting and retaining employees,” Willis Towers Watson said in a statement SALARY/PAGE 9

TO BOOST domestic tourism, 2GO Group, Inc.’s 2GO Travel is offering a “free room upgrade” to fully vaccinated individuals.

2GO Travel, the group’s brand for its passage business, said in an advisory posted on its official Facebook page that it is offering “room upgrade promo” to all fully vaccinated passengers who will book and travel with

the company. “[2GO believes] that the key to local tourism recovery is for us to achieve herd immunity by getting vaccinated,” 2GO Travel said.

“We want to reward you for it,” it added.

Despite the pandemic crisis, 2GO Travel said it continues to connect Manila to all the major ports in Visayas and PERKS/PAGE 9

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Lacson to DSWD: Prioritize Capacitating of 5th, 6th-Class Towns Sen. Panfilo M. Lacson on Monday urged the Department of Social Welfare and Development (DSWD) to prioritize fifth- and sixth-class municipalities in its Technical Assistance and Resource Augmentation (TARA) program.

Lacson said this would help ensure that the DSWD is able to maximize its funds for the program while benefiting the local government units that need assistance most. " One criterion I can think of is to prioritize assistance

to the fifth and sixth-class municipalities. First-class municipalities likely do not need the assistance as much as they are already technically capacitated," he said at the Senate hearing on the DSWD's budget for 2022.

He also sought clarification why the TARA continues to provide technical assistance yearly to 1,240 municipalities since 2015.

Technical Assistance includes activities through which the DSWD imparts technical and organizational

Bichronous Modular Learning in the Elementary Grades By: ELLA CLEOFE O. BARQUEZ – PASCO, MAEd

For more than a year, as the country suffered the fangs of the COVID-19 pandemic, the education sector hurdled barriers, and that continuously endeavored to sustain its effort to provide quality education to learners. To cope up with the demand and an observable decline in the number of enrollees, the Philippine government, thru its implementing arm, adopted a bichronous online learning system to reach out in response to continue and to materialize its goal and objective of providing basic education to its constituents.

Bichronous, known to be “the blending of both asynchronous and synchronous online learning", has long been used by private schools at the start of the pandemic. It is where students are expected to have the chance to access anytime and anywhere in the learning process during the asynchronous parts of the course, but then, participate in real-time activities for the synchronous sessions.

This has been adopted by the public schools in the

by typhoon Yolanda. " With your P1.121-billion budget per year, you should have produced graduates with masteral degrees instead of only capacitating them with training," Lacson said at Monday's hearing.

Lacson, who continues to advocate the empowerment

of local government units to carry out development projects, also stressed that it would be better if the TARA was need-driven rather than demand-driven.

Citing historical data, Lacson said the TARA had a budget of P632 million in 2016; P756 million in 2017;

P891 million in 2018; P970 million in 2019; P979 million in 2020; and P1 billion for 2021. " I am not questioning the TARA itself, but with this current approach, are we meeting our objectives?

Should this not be resultdriven?" he said.

Braving the new normal primary and secondary levels. The amount of the online learning blend further varies on the requirement and the activities included in the course.

B oth learners and educators, at their own pace, have the privilege to gather immediate feedback and interaction as deemed necessary. Opportunity for online audio-visual is also expected to be at hand to expound specific areas of concern. Though it may seem improbable, setting aside families' needs, the teachers are left with no choice but to make a portion of their hard-earned income available for the purchase and the materialization of learning materials needed to su st ai n e du c at i on .

Possible effects are still in the waiting.

Education is a powerful enabler to mitigate the climate crisis RAYNISA DERON ABANTAS Teacher 1 Doña Juana Actub Lluch Memorial Central School

CLIMATE CHANGE poses the biggest existential threat to humanity. As world leaders prepare to renew their pledge to combat the crisis amid increasingly frequent natural hazards and the raging pandemic, one measure that so far remains grossly undertapped is the transformative role that education can play in mitigating climate change.

In the lead up to COP26, more countries have been committing to achieving c a r b o n n e u t r a l i t y by 2050. This includes using regulation and policy to improve energy efficiency, develop alternative energy sources, reduce overall energy consumption, and minimize wastage.

These measures require financing, public consensus,

skills and know-how to a local government unit, another agency or organization, groups or individuals - especially where the latter seek for such with the aim of standardizing and upgrading the delivery of basic social services.

Lacson shared his experience as Presidential Assistant on Rehabilitation and Recovery (PARR) where his office helped technically capacitate 171 cities and towns affected by Super Typhoon Yolanda (Haiyan) where those who were given assistance graduated from the Development Academy of the Philippines.

He acknowledged the financial assistance extended by the United States Agency for International Development (USAID) through then Mission Director Gloria Steele to OPARR that made possible the enrollment and graduation of more than 160 development and community planning officers of the LGUs devastated

and lifestyle changes. They will also have profound impacts on countries’ industrial structures and economic policies which may lead to a short-term jolt to the global economy.

But these actions are a vital step toward ending the worldwide, indiscriminate exploitation of low-cost natural resources that is now taking its toll on the environment and fueling the climate crisis. Asia and the Pacific is responsible for nearly half of global greenhouse gas emissions and more than 60% of people in the region work in sectors that are highly susceptible to changing weather patterns. It is clear that the battle against climate change will be won or lost in Asia and the Pacific.

MARK A. PALAD Master Teacher II Yumbing NHS, Camiguin

Stress is an apparent part of our daily lives. Everyone at some point in their lives has experienced it one way or the other. However, with our regular daily lives sidetracked and tossed out the proverbial window by the pandemic, one would expect that there would be a lot of rest and relaxation involved. Wrong.

Society isn’t going to run itself. By that, all the working cogs that have been taken out of their places—to avoid falling victim to the pandemic—have to perform six ways from Sunday, at either a safe distance or at

the comfort, or discomfort, of their own homes.

As an educator, the going got extremely tough the moment the new normal set in. Classrooms turned i nt o g l or i f i e d s t or a g e rooms, schools became g h o s t t ow n s , a n d t h e workplace froze as best as we could freeze it. But we could not leave our roles as nonchalantly; we must continue our service.

New forms of teaching came into play and ultimately, the modular teaching style took hold in my station. This meant that my work was cut out

for me; piles of paper to be printed and pages to be made.

A nd it d o e s n’t e nd there. After the appetizer comes the main course; distributing, collecting, and individually checking each and every module. It is no laughing matter.

Yet, in this unprecedented storm, the silver lining shines all the way through.

With the help of my loving family, the cooperation of the school’s stakeholders, and camaraderie of my coworkers, the work has been made significantly easier to cope with; and it

has earned us a smile or two along the way.

It goes to show that in this era of quarantine and solitude, an era where it is frighteningly easy to feel alone, our ability to find new ways of helping a brother out shines brightest. The help and encouragement of my family and friends are all I need to brave this new atmosphere the pandemic has imposed upon us.

Truly, I have embraced the new course of educating learners but my burning passion of teaching them comes straight from my heart.

Principals: The General Managers of the New Normal By: EVELYN Q. SUMANDA

It was towards the end of the last schoolyear 2019-2020 when the COVID 19 pandemic had shaken the whole Philippines and even the entire world. This was considered the ultimate challenge for the whole nation and to the various government agencies especially on the aspects related to livelihood and industry.

Several precautionary measures were employed to maintain the balance between health protocols and the survival of Filipino citizens.

One of the government agencies extremely affected by the crisis was the Department of Education. It even made painful adjustments with its system of final assessment on students’ performance just to cope up with the discrepancies driven by the twists of the national situation.

It has to consider primarily the sake of the students as well as the teachers who are undoubtedly considered as frontliners of the academe. And to top it all, it has made transformations in the educational system especially the learning modalities as to satisfy the needs of the students, families, communities, schools, and the country in general.

The schools are considered the main implementing units of these socalled educational transformations.

The success of every strategy to cope

with the situation relies deeply on the effectiveness of the school in carrying out its mission and vision in light of its effort in delivering quality education despite the challenges brought by the pandemic.

The principals, the so-called headmasters, directors, and school leaders have faced several challenges specifically in making numerous adjustments about the unprecedented nature of the situation of the country.

They have to improvise their roles amidst fewer clearer guidelines related to disaster response and recovery. Despite all the daunting circumstances, they have to ensure the well-being of families minimizing the disruption of classes faced by schoolaged children. They are tasked to provide inspiration and coordination with the Dep-ED officials, public personalities, internal and external stakeholders, parents, teachers, and students.

The principals, head teachers, school-in-charge as they are variedly addressed play a very important role as general managers of the ne w nor ma l. The y have many complications regarding their roles and resp onsibi lit ies esp e cia l ly in inspiring the frontlines in the institution, the teachers to keep the fire burning in them to deliver

quality basic education to the learners despite all the challenges and the painful changes in the educational system. They have so much weight on their shoulders that they have to exhaust all means to solve all issues and concerns which are by far brought about by the roller coaster health classification of every locality which in turn affect adversely the mode of instruction and the learning environment of the learners. These roles also vary depending on the learning modality adapted by their respective schools. These range from capacitating the teachers and parents about the effective use of the learning delivery mode to extending linkages to different institutions to ensure adequate production and distribution of various learning supplementary materials to the students. Furthermore, it is also expected of them to make necessary coordination with different offices and personalities to provide regular seminars and training for technology knowledge enhancement to encourage teachers, parents, and students to embrace the current use of technology and most importantly, they have the full discretion to conduct monitoring, supervision and concretize implementation of various guidelines, policies, and programs of the Department of Education.

7 TESDA offers coffee production training for ex-rebels M Advertising and Editorial E-mail : businessweekmindanao@gmail.com Contact nos. : 0917-7121424 • 0947-8935776

WED-THU|OCTOBER 20-21, 2021

ISAMIS ORIENTAL — The Technical Education and Skills Development Authority (TESDA)-10 has offered coffee production training to former rebels (FRs) in the farflung areas of Northern Mindanao.

Along with members of the Poverty Reduction, Livelihood and Employment Cluster (PRLEC) under the Task Force to End Local Communist Armed Conflict (TF-ELCAC), TESDA has engaged in partnerships with private sectors that venture well in the coffee industry.

“TESDA, together with TF-ELCAC’s

PRLEC, has partnered with Nestle as this is one of the products of the discussion made in one of the cluster’s peace and development conferences.

Training will soon be conducted involving our former rebels (FRs) and the indigenous people (IPs) because they have the most suitable areas for coffee plantation/ production,” Harry Banto, TESDA regional director said.

As the lead agency of PRLEC, TESDA recognizes the importance of equipping the FRs and IPs with skills to widen job options and show how sustainable livelihood cope with the fast-changing techniques and methods,

he added.

Banto emphasized that President Rodrigo Duterte’s Executive Order No. 70 or ‘whole-of-nation approach’ that created the TF-ELCAC is one of the strategic ways to address people’s needs, thereby ending the communist terror groups’ activities in some geographically isolated communities.

Aside from coffee production training, he said, the PRLEC also gives agriculture-related skills training because these are the communities’ “most needed” assistance from the government as identified by the villagers.

He explained that the NTF-ELCAC’s PRLEC has taught people the

TESDA Regional Director Harry Banto says in order to attain peace and security, problems on poverty must be addressed. With TESDA leading the cluster, Banto affirms that the PRLEC member agencies will succeed in carrying out its projects aimed at lifting people out of poverty, especially the former rebels and IPs in far-flung areas. (VPSB/PIA-10)

Working from home, its benefits during pandemic

By JENE S. GUANGCO

SOMETIMES taking the best from both worlds is the way to go. Although remote working has some obvious benefits, new research explains that it also has drawbacks for workers.

According to the report, a hybrid work model, where people come into the office but not every day, may be the best path to take for workers’ productivity, career progression and quality of life.

As such, the best way forward is likely a hybrid model that combines elements both from on-side and from-home working schemes, the

team argues.

On the whole, employees working on-site enjoy crucial advantages over their remote counterparts. Given the upsides and downsides of on-site work, a ‘hybrid’ option – working part on-site and part remote – may actually provide workers with most advantageous characteristics of both on-site and remote working.

Most of the benefits of on-site working schemes flow from an increased level of social interaction in the workplace, a clearer separation between work and home, and greater

access to career opportunities, it adds. Workers who employ a hybrid system also report receiving more constructive feedback compared to all of their peers.

Working on-site among colleagues naturally leads to more interactions with them. Roughly 77% of workers in the office reported engaging in spontaneous conversations with coworkers, while only 60% of remote workers reported the same. In this last category, men were more likely to have unplanned chats with colleagues than women.

Republic of the Philippines SUPREME COURT REGIONAL TRIAL COURT 12th Judicial Region, Branch 21 Kapatagan, Lanao del Norte OFICE OF THE CLERK OF COURT NOTICE OF EXTRA-JUDICIAL SALE: EJF NO. 21-99 Upon extra-judicial petition for sale in accordance with the provision of Republic Act No. 720 as amended files by PROSPERO ALBANO OF Raw-an, Lala, Lanao del Norte, MORTGAGE, against AMELITA R. SANTIAGO and GLENDA R. SANTIAGO of legal ages, MORTGAGORS executed on April 4, 2013 to satisfy the Mortgage Indebtedness, the principal obligation which has been overdue in the amount of FOUR MILLION (Php4,000,000.00) PESOS exclusive of interest and penalties, Sheriff’s expenses, publication and other related incidental expenses despite lawful demand, the undersigned or his duly authorized deputy will sell at public auction on November 30, 2021 at 10:00 o’clock in the morning to 2:00 o’clock in the afternoon at the Session Hall of this Court to the highest bidder, for CASH or MANAGER’S CHECK and in the Philippine Currency, the following described real property with all improvements thereon, to wit: TRANSFER CERTIFICATE OF TITLE NO. (T-6075) 149-2021000472 Registry of Deeds for the province of Lanao del Norte A parcel of land (Lot 757-A of the subdivision plan Psd-204050, being a portion of Lot 757, Pls-13, Lala Public Land subd. LRC CAD. REC. NO. H. PAT. V-23888), situated in barrio Panguil, Municipality of Kolambugan, (NOW) LALA, PROVINCE OF LANAO DEL NORTE is registered in accordance with the provision of Section 103 of the Property Registration Decree in the name of MONICO SANTIAGO, Filipino, of legal age, married to ARACELI MENDOZA with their address at Kapatagan, Lanao del Norte. Bounded on the North, along lines 1-6 by Lot 757-B of the subdivision Plan; on the West, Along lines 6-7 by Lot 777, pls-13, Lala Public Land subdivision, on the South along lines 6-7 and 8-9, and 9-10, by Lot 756, Pls-13 Lala Public Land subdivision; and on the West along line 10-1, by Lot 757-E of the subdivision Plan. Containing an area of Forty Two Thousand Three Hundred Twelve (42,312) Square Meters, more or less.

Entry No.: 2021000616, dated: July 30, 2021 at 9:40:51AM. Real Estate Mortgage: Executed by Amelita R. Santiago, surviving spouse of the Late MONICO SANTIAGO and GLENDA R. SANTIAGO represented by CINDERELA S. MORALES, referred to as the MORTGAGORS, IN FAVOR OF PROSPERO ALBANO, referred to as the MORTGAGEE for the sum of Php4,000,000.00 in accordance with Doc. No. 142; Page No. 32; Book No. 106; series of 2013; of Notary Public of Tubod, Lanao del Norte; ATTY. FLORENDO OPAY, DATED April 04, 2013.

All sealed bids must be submitted to the undersigned on the above-mentioned time and date.

In the event the Public Auction should not take place on the said date, it shall be held on December 1, 2021 without further notice.

Kapatagan, Lanao del Norte, Philippines.

October 12, 2021.

ATTY. BERNARDINO M. BERING

Clerk of Court VI & Ex-Officio Sheriff

strategies and techniques in farming, gardening, and horticulture, among many other things because data showed that there are still those in the mountains who lack knowledge and skills in making their lands productive—including livestock production.

Banto, however, is hopeful that even beyond the President’s term, the PRLEC’s program would prosper because of the strong support of the FR and IP communities.

“We can never really address problems in peace

and security if we do nothing on poverty issues.

This is a twin problem, and we in TESDA believe in that precept. Skills training is one of the most needed programs and services we can give. We really have to continue this program to empower our former rebels and IPs who had long been waiting for these. And now, in the administration of President Rodrigo Roa Duterte, said projects finally reached them,” Banto said. (JAKA/PIA-10/ Misamis Oriental)

8

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WED-THU|OCTOBER 20-21, 2021

DOT supports Camiguin reopening, delivers 4,000 COVID-19 vax CAMIGUIN--Ensuring full vaccination of tourism workers in the province, the Department of Tourism (DOT) through Sec. Bernadette Puyat led the delivery of 4,000 Sinovac COVID-19 vaccines to Camiguin, October 18.

"Masaya ako na nandito tayo para sa bakuna. All over the Philippines, lahat ng tourism workers gustong magpabakuna.

Bakit? 'Yun lang ang magiging paraan para makapagbukas at 'yun rin ang magiging paraan para protektado kayo," Puyat

Challenges Encountered in Distance Learning

By BELINDA DONGGON PRIOLO Teacher III Butadon Elementary School Butadon, Kapatagan, Lanao del Norte

Everyone has been worried about this school opening.

With the coronavirus threat, schools remain closed when classes start on Oct. 5. Even without faceto-face interaction, millions of students started their classes through alternative learning delivery modalities.

Schools prepared for the start of classes by completing the modules, activity sheets, weekly home learning plans, printing, and sorting of materials. The first week focused on distribution of Self Learning Materials (SLMs) and other materials to parents and guardians and online discussion of the psychosocial wellness module and monitoring of learners’ activity at home.

Among these include simultaneous questioning of parents and learners

about their module and activity sheets, difficulty in contacting learners to keep on track, printing of modules and activity sheets, and poor Internet connection.

Some parents experienced difficulty in managing their time because of their work and jobs yet they need to help their children in accomplishing the modules and activity sheets. Learners also have to adjust to the new normal education set-up and some of them accomplished their modules alone because their parents are busy on their job and work at home.

It will help us all if we unite and pull all our energies and resources together that will allow us to achieve our individual as well as our group goals.

said.

(I am happy that you are all here for the vaccination. All over the Philippines, all of the tourism workers wanted to be vaccinated. Why? Because this is the only way that we can open our tourism and it ensures protection for all) As of October 14, 2021, there are 3,071 vaccinated tourism workers in Camiguin out of the initial 4,614 target number of tourism workers.

There are 53 tourism enterprises/groups in the province and Camiguin has recorded 66.56% vaccination rate among their tourism workers, and only 33.44% are unvaccinated.

Per Camiguin Tourism VAX/PAGE 9

The Department of Tourism (DOT) leads the delivery of 4,000 Sinovac COVID-19 vaccines to the Province of Camiguin intended for the tourism workers. (RTP/PIA-10)

Radio-based instruction

By JERILYN L. TAGARAO Teacher I Sta. Ana Elementary School

AFTER recording 13.91 million learners who were able to access its televisionbased learning platform in the previous school year, DepEd is eyeing to further expand the reach of its DepEd TV. We emphasize the need to maximize the use of DepEd TV as part of the learning delivery modalities under the Basic Education

Learning Continuity Plan as this is one of the most widely available modalities for distance learning.

DepEd TV is the agency’s television-based instruction broadcast in national and regional partner stations.

It provides an avenue to accommodate the different learning styles of learners.

The episodes were designed w it h m ore i nt e r a c t i ve

components to capture and sustain learners’ interests while attaining the targeted competencies.

DepEd has encouraged all regional and division personnel to actively promote the use of DepEd T V an d D e p E d R a d i o alongside other distance le ar ning mo da lit ies to maximize students’ learning experience.

DepEd also requested teachers to submit a quar terly rep or t ab out the usage of DepEd TV as a teaching modality in the new normal. The said reports will be used to assess DepEd TV’s efficacy and effectiveness in ensuring learners understand the lessons and competencies they need for the school year.

In Loving Memory

October 05, 1938-June 23, 2021 Francis E. Laycock passed away in Maria Reyna Hospital, Cagayan de Oro, Philippines at the afternoon of June 23, 2021, at the age of 82, with his devoted wife, Elma at his side.

He will be greatly missed and forever loved.

9

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WED-THU|OCTOBER 20-21, 2021

Alone... from page 4

being nervous when meeting people is really the opposite.

The state of being isolated reminds me of being in a hospital with an infectious disease.

D o es t he proj e c t of giving a speech or going to a social gathering give you the willies?

Relax, there are always ways and solutions to help you but teaching you "never to be nervous again".

I h av e a l w ay s b e e n the most silent pupil in elementary and high school.

I was ashamed even to talk to or with my teachers. Several terrible school records have been the result. But, I wanted EXTRA-JUDICIAL SETTLEMENT AMONG HEIRS WITH WAIVER OF RIGHTS AND SPECIAL POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS: That the late STORMSON A. LEAÑO, who died last May 13, 2019 in Salay, Misamis Oriental, and NENITA P. LEAÑO, who died last December 19, 2017 in Madonna Hospital, Cagayan de Oro City, left without any will and testament; that the said deceased, at the time of there death, left real properties consisting of Transfer Certificate of Title NO. T-72753-A situated at Block 5 Lot 4, Villamar, Iponan, Cagayan de Oro City, which was mortgaged to NATIONAL HOME MORTGAGE FINANCE CORPORATION under account #1421427, that the parties being all of legal age and with full civil capacity to contract hereby by these presents agree to adjudicate, as they hereby adjudicate, the above-mentioned NATIONAL HOME MORTGAGE FINANCE CORPORATION under account #1421427 to MA. PORTIA L. SESCON, who will assume of all the remaining balance of the said obligation under account #1421427 and has been the subject of an EXTRA-JUDICIAL SETTLEMENT AMONG HEIRS WITH WAIVER OF RIGHTS AND SPECIAL POWER OF ATTORNEY, filed by the heirs of STORMSON A. LEAÑO and NENITA P. LEAÑO, as per DOC #461; PAGE #92; BOOK #XIX; Series of 2021 under the Notarial Registry of ATTY. EMELITO J. MARQUIÑo.

BWM: Oct. 20, 27 & Nov. 3, 2021

EXTRA-JUDICIAL SETTLEMENT WITH A DEED OF ABSOLUTE SALE OF A PARCEL OF LAND KNOW ALL MEN BY THESE PRESENTS: That the late ANDRES B. BANGCOYO, who died intestate on August 20, 2021 and died at Zone 2, Mambuaya, Cagayan de Oro City; that the said deceased, at the time of his death, left a parcel of land with Technical Description LOT NO. 20597-B, CSD-10-002588 situated at Mambuaya, Cagayan de Oro City, Island of Mindanao, containing an area of TEN THOUSAND FIVE HUNDRED EIGHTY TWO (10,582) Square Meters, more or less, WHEREAS, the HEIRS/ SELLERS/VENDORS sold the abovedescribed parcel of land and the BUYER/VENDEE is willing to buy the above-described Parcel of land as stated only a portion containing an area of FOUR THOUSAND TWENTY SEVEN (427) Square Meters, more or less, and more particularly described as follows: TECHNICAL DESCRIPTION LOT No. 2059-B-1 situated at Mambuaya, Cagayan de Oro City, Island of Mindanao, containing an area of FOUR HUNDRED TWENTY SEVEN (427) Square Meters, more or less and has been the subject of an EXTRA-JUDICIAL SETTLEMENT WITH A DEED OF ABSOLUTE SALE OF A PARCEL OF LAND, filed by the heirs of ANDRES B. BANGCOYO, in favor of ESCOLASTICO PILAPIL DIOLA and GRACE RADOC DIOLA, per DOC #329; PAGE #66; BOOK #II; Series of 2021 under the Notarial Registry of ATTY. ALBERT WENCES C. DABA III. BWM: October 6, 13 & 20, 2021

to become a journalist. I am still one. And, I am teaching in Davao in the University of Southeastern Philippines, as some of you might know already.

During college times and while writing my first articles, I learned from my first boss, a daily news publisher, to avoid being nervous while meeting people. I was always prepared. Preparation for any communicating situation is a must. I have been invited to many parties and gatherings.

I a lways aske d for t he guest list. I scanned all the newspapers and browsed the net.

One key benefit is improved creativity. Gregory Feist, who focuses on the psychology of creativity at California’s San Jose State University, has defined creativity as thinking or activity with two key elements: originality and usefulness. He has found that personality traits commonly associated with creativity are openness (receptiveness to new thoughts and experiences), self-efficacy (confidence), and autonomy (independence) – which may include “a lack of concern for social norms” and “a preference for being alone”.

In fact, Feist’s research on both artists and scientists shows that one of the most prominent features of creative folks is their lesser interest in socialising.

One reason for this is EXTRAJUDICIAL SETTLEMENT AMONG HEIRS KNOW ALL MEN BY THESE PRESENTS:

That the late GERT LEIBLING who died in Mambajao, Camiguin on July 1, 2021 without any Will; that the said deceased, at the time of his death left a Real Property with TD/ARP No. 04000204575 situated at Agoho, Mambajao, Camiguin, containing an area of ONE HUNDRED SIXTY FOUR AND FORTEEN (164.14) SQUARE METERS, that the parties hereto being all of legal age and with full civil capacity to contract, hereby by these presents agree to adjudicate and assign, as they hereby assign, as they hereby assign and adjudicate, the above described real property to RICO LEIBLING; And has been the subject of an EXTRAJUDICIAL SETTLEMENT AMONG HEIRS, filed by the heirs of GERT LEIBLING, as per DOC #87; PAGE #18; BOOK #XLII; Series of 2021 under the Notarial Registry of ATTY. CARLO C. BORROMEO. BWM: Oct. 20, 27 & Nov. 3, 2021

DEED OF EXTRAJUDICIAL SETTLEMENT OF ESTATE KNOW ALL MEN BY THESE PRESENTS:

That the late JUANITA LUAREZ BELARMINO, died intestate, without Will or Testament on 25 June 2021, at the City of Cagayan de Oro; is the absolute and registered owner of two (2) parcels of land with Transfer Certificate of Title No. T-164296 situated at Carmen, City of Cagayan de Oro, Province of Misamis Oriental, Island of Mindanao, containing an area of ONE HUNDRED SIXTY-SIX (166) square meters more or less; and Transfer Certificate of Title No. 137-2012008316 situated in Lumbia, City of Cagayan de Oro, Province of Misamis Oriental, Island of Mindanao, containing an area of ONE HUNDRED (100) square meters more or less; and has been the subject of DEED OF EXTRAJUDICIAL SETTLEMENT OF ESTATE, filed by the heirs of JUANITA LUAREZ BELARMINO, per DOC #28; PAGE #6; BOOK #LXX; Series of 2021 under the Notarial Registry of ATTY. BRAULIO LINEJAN RUGAY, JR. BWM: October 6, 13 & 20, 2021

that such people are likely to spend sustained time alone working on their craft. Plus, Feist says, many artists “are trying to make sense of their internal world and a lot of internal personal experiences that they’re trying to give expression to and meaning to through their art.” Solitude allows for the reflection and observation necessary for that creative process.

A recent vindication of these ideas came from Un i v e r s i t y a t B u f f a l o psychologist Julie Bowker, who researches social withdrawal. Social withdrawal usually is categorised into three types: shyness caused by fear or anxiety; avoidance, from a dislike of socialising; and unsociability, from a preference for solitude.

There is gender and cultural variation, of course.

For instance, some research suggests that unsociable children in China have more interpersonal and academic problems than unsociable kids in the West. Bowker says that these differences are narrowing as the world becomes more globalized.

Still, it turns out that solitude is important for more than creativity. Since ancient times, meanwhile, people have been aware of a link between isolation and mental focus. After all, cultures with traditions of religious hermits believe that solitude is important for enlightenment.

Recent research has given us a better understanding of why. One benefit of unsociability is the brain’s EXTRAJUDICIAL SETTLEMENT OF ESTATE KNOW ALL MEN BY THESE PRESENTS:

Made and entered into by and between: NENITA C. LEIBLING and RICO C. LEIBLING all of legal age, Filipinos, and are residents of Agoho, Mambajao, Camiguin, herein referred to as the HEIRS; That the above-named HEIRS are the only surviving and lawful heirs of GERT LEIBLING who died intestate on July 1, 2021; that the deceased, at the time of his death left certain money deposited in the following banks: 1.

LAND BANK OF THE PHILIPPINES Camiguin with account number 0991064963; 2. LAND BANK OF THE PHILIPPINES Camiguin with 0991070516; 3. PHILIPPINE NATIONAL BANK camiguin with account number 403110052730; and 4. PHILIPPINE NATIONAL BANK Camiguin with account number 403110026146; and has been the subject of an EXTRAJUDICIAL SETTLEMENT OF ESTATE, filed by the heirs of GERT LEIBLING, as per DOC #207; PAGE #42; BOOK #XXXVIII; Series of 2021 under the Notarial Registry of ATTY. CARLO C. BORROMEO. BWM: Oct. 20, 27 & Nov. 3, 2021

state of active mental rest, which goes hand-in-hand with the stillness of being alone. When another person is present, your brain can’t help but pay some attention.

This can b e a p ositive distraction. But it’s still a distraction.

D aydre aming in t he absence of such distractions activates the brain’s defaultmode network. Among other functions, this network helps to consolidate memor y and understand others’ emotions. Giving free rein to a wandering mind not only helps with focus in the long term but strengthens your sense of both yourself and others. Paradoxically, therefore, periods of solitude actually help when it comes time to socialise once more.

And the occasional absence of focus ultimately helps concentration in the long run.

I learned, if your personality tends toward un-sociability, you shouldn’t feel the need to change. Of course, that comes with caveats. But as long as you have regular social contact, you are choosing solitude rather than being forced into it, you have at least a few good friends and your solitude is good for your well-being or productivity, there’s no point agonizing over how to fit a square personality into a round hole.

So feel free to de-clutter your social calendar. It’s psychologist-approved. +++ Email: dor ingklaus@ gmail.com or follow me on Facebook, Twitter or LinkedIn or visit www.germanexpatinthephilippines.blogspot.com or wwww.klausdoringsclassicalmusic.blogspot.com.

EXTRAJUDICIAL SETTLEMENT OF ESTATE AMONG HEIRS WITH DEED OF ABSOLUTE SALE KNOW ALL MEN BY THESE PRESENTS: That the late ARTEMIO N. REMEDIO died intestate on July 20, 2009 in Camp Phillips, Bukidnon, Philippines, leaving a certain parcel of land with Transfer Certificate of Title No. T-73939 situated at Barrio of Gusa, Cagayan de Oro City, containing an area of ONE HUNDRED THIRTY (130) Square meters, more or less, and has been the subject of an EXTRAJUDICIAL SETTLEMENT OF ESTATE AMONG HEIRS WITH DEED OF ABSOLUTE SALE, filed by the heirs of ARTEMIO N. REMEDIO, in favor of MARIA PERPETUA M. YBAÑEZ (VENDEE), as per DOC #382; PAGE #77; BOOK #CXIV; Series of 2020 under the Notarial Registry of ATTY. RAMIL G. CARREON. BWM: Oct. 20, 27 & Nov. 3, 2021

Perks... from page 5

Mindanao.

2GO Group is also engaged in the cargo business through its brand 2GO Freight.

The listed company’s freight revenue for the first half of the year hit P1.58 billion, up 15.3% from P1.37 billion in the same period a year ago.

Meanwhile, travel revenue dropped 68.6% to P221.84 million from P706.50 million in the same period last year.

“Given the restricted mobility in and out of the country and the curtailed economic activities affecting demand not only in the Philippines but in other countries, 2GO experienced a decline and gradual recovery in sales/revenue volumes as aforementioned quarantine measures were slowly relaxed,” 2GO said in its second-quarter report.

Salary... from page 5

Monday.

T h e c o mp a ny c i t e d industries that reported the highest average salary budget increments which include medical technology, business support services including business process outsourcing, and manufacturing.

“On business outlook, close to 51 percent of companies in the Philippines expect their business performance to be in line with target while 43.8 percent expect it to be ahead of target this year,” it added.

Of the surveyed firms, 65.3 percent said they plan to maintain their headcount for the next 12 months, 25.8 percent said they will add employees, and 8.9 percent will reduce the number of their employees due to the impacts of the pandemic on their businesses.

The survey showed that firms are likely to create more jobs in functions such as sales, information technology, and engineering in the next 12 months.

“Companies recognize the need to boost compensation, especially in sectors where there may be a manpower crunch. This situation has driven organizations to explore alternative options to fixed pay increases, including sign-on, retention bonuses, functional and skill premiums, mid-year adjustments or pay increases,” Willis Towers Watson Philippines Rewards, Data & Software Practice Leader Chantal Querubin

said.

Querubin said the work condition amid the pandemic pushes employers to deliver “a sound employee value proposition” and provide a total rewards program.

“B eyond competitive salaries, which are table stakes at the moment, companies also need to focus their spending on a diverse set of benefits, wellbeing, and upskilling programs to drive employee engagement,” she said. (PNA)

Vax...

from page 8

O f f i c e , e nt e r pr i s e s are unable to achieve 100% because the workers are still waiting for their schedule of the vaccination.

Even with the said number of unvaccinated workers, Puyat said, "I'm so happy na 67% ang nareach niyo for tourism workers.

Ang bilis! Ang galing. So insakto at mas masaya ako na magbubukas na pala kayo, October 25."

(I'm happy that you have already reached 67% in the vaccination of tourism workers. It's so fast! So good. It's just right and I am happy that you will open, October 25) For his part, Gov. Jurdin Jesus Romualdo said he has been planning to open C amiguin but due to a surge of cases in adjacent areas with the presence o f D e l t a v a r i a nt , t h e y p o s tp on e d s u ch a c t i on and pl an ne d to re op e n until the majority of the locals has been vaccinated.

"Abri na ta (We will really open) 'cause I don't want to be a burden on the national government nga galisud ta (where we are st r u g g l i ng ) and t h e b or row i ng s ju s t to survive," Romualdo said, c it i n g i n s t a n c e s w h e re P uy at pl e a d e d to op e n the province.

Further aiding the provincia l gover nment, Mambajao Mayor Yñigo Jesus Romualdo said they have been preparing for the reopening of the tourism industry in Mambajao.

"As a major source of income, this would greatly help in equilibrating our finances," Mayor Romualdo added.

During the event, 11 tourism workers were v a c c i n at e d o n s i t e f o r their first dose of Sinovac COVID-19 vaccine. (RTP/ PIA-10/Camiguin)

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Villar sets 10th OFW and Family Summit on Nov. 19 AS a sign of their continuing gratitude to our Overseas Filipino Workers (OFWs), Senator Cynthia Villar announced

the holding of the 10th OFW and Family Summit on November 19, 2021 (Friday), which will be done virtually for the

first time due to the pandemic.

“This is our way of saying ‘Thank You’ to our OFWs, our modern-

day heroes. An OFW was the first customer of my husband, former Senator Manny Villar, when he first started his housing business,” related Villar.

She said the event is an annual offering of the Villar Family together with the Villar Social Institute for Poverty Alleviation and Governance (Villar SIPAG), where the senator serves as its director, to our OFWs who have been sacrificing their lives to give their families a decent and comfortable life.

“Through the dollar remittances they sent back home, our OFWs also help keep the country’s economy afloat amid the pandemic,” also said Villar.

Unlike before when thousands of OFWs and their families trooped to the World Trade Center in Pasay City to join the summit, Villar noted that the November event will be done virtually.

“We are doing this to keep everybody safe and protected since the coronavirus is still around us although our health officials and health experts have been reporting a downtrend trend of cases of Covid-19,” stressed Villar.

“We invite our OFWs and their families to participate virtually in the 10th OFW & Family Summit 2021,on November 19,2021. You can visit my facebook page Cynthia A.Villar and the Villar SIPAG fb page for further details. Registration is now open, just visit https://ofwsummit2021. villarsipag.org/ registration,” said the Senator.

Villar related the theme for this year’s event is “Masiglang Kabuhayan Sa Bagong Panahon” which she believes is timely because we are all struggling to live a normal and happy life amid the coronavirus pandemic that crippled

the world economy.

She expects thousands of OFWs and their beneficiaries to participate in this virtual event wherein they can interact anew with private and government institutions for concerns ranging from access to financial services, social benefits, legal assistance, among others.

The summit hopes to teach our OFWs financial literacy, which they can use as a tool to grow their money in their homeland.

“Aside from teaching our OFWs how to wisely invest their savings and grow their income, it is equally important to educate them how to protect their hardearned money and how not to fall victims of human trafficking, illegal recruitment and investment scams,” Villar said.

Participants will also have a chance to take home a house, pangkabuhayan package and other prizes.

Comworks and Load Manna.

You can also call your local Cable Operators to subscribe to VIVAMAX: Aklan Cable Television Co., Inc. Cebu Cable HD, Cable Link, Cotabato Cable Television Network Corp., Concepcion Pay T V Network Inc., Sky Cable, Fiber, BCT VI, Paradise Cable Television Nework, Inc., Wesfardell Connect and Zenerg y Cable T V Network Inc.

VIVAMAX also made watching your favorite movies more affordable because for only P29, you can now watch all you can for 3 days! And get the best viewing quality as VIVAMAX is now compatible with T V casting.

More affordable, more ways to subscribe, more time to watchall-you-can so #SubscribeToTheMax now to the best Pinoy Movie Streaming App, VIVAMAX!

Sensual emotions flare up in Mahjong Nights HOT drama and even hotter sensual emotions flare up in Law Fajardo’s new erotic drama movie MAHJONG NIGHTS, starring VIVA’s upcoming sexy star, Angeli Khang.

Esther (Mickey Ferriols) regularly organizes a Mahjong Night game with her long-time friends at her house, where she lives with her second husband Leo (Jay Manalo) and her only daughter Alexa (Angeli Khang). But there is always more than mahjong games that happen in their house. Leo lusting over Alexa, Alexa’s sexual encounters with the driver of her mom’s friend, Esther feigning ignorance with ever ything

that’s happening in their house and an unexpected person who knows all their secrets.

All these hidden desires and hidden truths, if revealed, will ruin not just their Mahjong Night game, but also their lives.

VMX Crush Angeli Khang, who also had a sexy role in the movie “ Taya,” takes on another challenge of a sexy role, paving her way as one of VIVA’s must-watch upcoming sexy stars. This time, under the direction of award-winning director Lawrence Fajardo. Aside from Mickey Ferriols and Jay Manalo, they are also joined by Arnel Ignacio, Jamilla Obispo and Maricel Morales, who play the roles of Esther’s friends. Also

in the movie is the in-demand sexy young actor Sean De Guzman, who plays the role of the young driver and Alexa’s love interest.

So expect some steamy sexy scenes between Angeli and Sean.

Place all your bets for the hottest movie experience you will have when you watch MAHJONG NIGHTS on November 12, streaming online on VIVAMAX Philippines, Hong Kong, Taiwan, Thailand, Malaysia, Indonesia, Singapore, Japan, South Korea, Macao, Vietnam, Brunei, Maldives, Australia, New Zealand, the Middle East and Europe.

For local subscriptions, you can subscribe using the VIVAMAX app

and for P149, you can watch-all-you-can for 1 month, and you can pay using your Debit or Credit card, GCash, or PayPal account that’s linked on your Google, Apple and Huawei App Galler y account.

You can also subscribe online at www.vivamax.net, select a plan and you can pay through PayMaya, Debit or Credit card, GCash, GrabPay or at any ECPAY partner outlets near you.

You can also add to cart VIVAMAX on your next online shopping at Shopee, Lazada, PayMaya and ComWorks Clickstore.

You can also pay your VIVAMAX subscription plans at any Authorized outlets near you: Load Central,

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WED-THU|OCTOBER 20-21, 2021

Tourism... from page 1

Romualdo welcomed here Department of Tourism (DOT) Secretary Bernadette Romulo-Puyat on her visit to the province to bring in additional 4,000 doses of Covid-19 vaccines.

Puyat said the provincial government has been consistent in its request for additional vaccines.

She also said that even though people are already vaccinated, observing public health protocols should still be followed.

"We should not only protect the tourists but the tourism workers as well," she said.

As of October 14, there are 3,071 vaccinated tourism workers in Camiguin out Republic of the Philippines Department of Transportation LAND TRANSPORTATION FRANCHISING & REGULATORY BOARD Regional Office No.10, Apovel, Bulua, Cagayan de Oro City JEANETTE LACSON CASE NO. R10-NC-PA-TH 2021-08-2440

NOTICE OF HEARING

APPLICANT(s)/PETITIONER(s) request/s authority for the Issuance of Certificate of Public Convenience to operate TH FREIGHT SERVICE on the route: WITHIN CAGAYAN DE ORO CITY AND FROM SAID PLACE TO ANY POINT IN THE ISLAND OF MINDANAO ACCESSIBLE TO MOTOR VEHICLE TRAFFIC and vice versa with the use of THREE (3) unit/s.

This application/petition shall be considered by the Board on October 20, 2021 at 2:00 P.M. at this Board on whice date Applicant(s)/ Petitioner(s) shall formally submit his/her/their evidence.

The Applicant(s)/Petitioner(s) shall publish said notice at least TEN (10) DAYS prior to the date of hearing once in a newspaper of local circulation.

Party(s) opposed to the approval/granting of the application/petition must file his/her/their written opposition with supporting documents, unless this Board deems it necessary to require additional documentary evidence and/or his/her/ their oral testimony(s).

WITNESS, AMINODEN D. GURO, Regional Director, LTFRB-Region X, this 5th day of October 2021 at Cagayan de Oro City, Philippines.

(Sgd.) ATTY. MOHAMAD FAHDEL S. PIMPING HEARING OFFICER

BWM: October 20, 2021

EXTRA-JUDICIAL SETTLEMENT OF ESTATE WITH WAIVER OF RIGHTS KNOW ALL MEN BY THESE PRESENTS: That the late SIMPLECIA L. CABACTULAN who died DECEMBER 14, 2019 at Cagayan de Oro City.

Misamis Oriental, the said deceased SIMPLICIA L. CABACTULAN left personal property particularly described as follows: PassBook No.: 4452176; Savings Account No.: 42810008-91; Bank: Land Bank of the Philippines;Branch: Land Bank El Salvador; Amount: ONE HUNDRED SIXTY-SEVEN THOUSAND SIXTYTHREE PESOS AND SEVENTY SEVEN CENTAVOS Only (Php 167,063.77) made and entered into this ____day of ____2021, in ________________by and between: the only surviving legal heirs of late SIMPLICIA L. CABACTULAN, namely: ALFREDO SALAPANG CABACTULAN widower, of legal age, Filipino, and resident of Zone 1, Poblacion, El Salvador City, Misamis Oriental; CLINT L. CABACTULAN married, of legal age, Filipino, and resident Zone 4, kibonbon, El Salvador City, Misamis Oriental; CHERYL C. BOCTOT, married, of legal age, Filipino, and resident Talakag, Bukidnon; CLIFF L. CABACTULAN, married, of legal age, Filipino, and resident Zone 2, Cogon, El Salvador City; and CRIS L. CABACTULAN single, of legal age, Filipino, and resident El Salvador City, Misamis Oriental, herein referred to as the HEIRS; and has been the subject of an EXTRA-JUDICIAL SETTLEMENT OF ESTATE WITH WAIVER OF RIGHTS, filed by the heirs of SIMPLECIA L. CABACTULAN, per DOC #31; PAGE #7; BOOK #4; Series of 2021 under the Notarial Registry of ATTY. SARAH JANE F. BEHIGA. BWM: Oct. 13, 20 & 27, 2021

of the initial 4,614 target number of tourism workers.

Fifty-three tourism enterprises and groups in the province recorded a 66.56 percent vaccination rate among their tourism workers.

According to the Camiguin tourism office, enterprises are unable to achieve a 100 percent vaccination rate yet because the workers are still waiting for their schedules.

Bounce back When the pandemic forced hotels and resorts here to temporarily close, local hotel worker Glenn Montalba had to work in Cagayan de Oro City.

However, when news about the reopening of the tourism sector in the province came out, he came back to help in the hotel's preparations.

Frank Mercado, general manager of the local Villa Paraiso Hotel and Resort, said with the reopening, he hopes that more tourists will arrive for them to recover from their losses.

During the pandemic, some of the resort's rooms were converted into isolation facilities.

Meanwhile, Romualdo said only those fully vaccinated can enter the province for tourists, and must comply with other requirements such as a negative reverse transcription polymerase chain reaction result or an antigen test result. (PNA)

Excited... from page 1

(since the siege), hopefully the Marawi Compensation Bill will be certified urgent," he said.

Last month, legislation for the compensation of residents of the war-torn city inched closer to approval in the Senate, with Special Committee on Marawi City Rehabilitation Chair Senator Ronald Dela Rosa assuring they will expedite it.

“We will work double time to pass this measure for the people of Marawi,” dela Rosa said during a hearing by the special committee.

The lower house passed its version, House Bill No. 9925, on September 6.

Under the bill, private property owners shall be compensated for loss or destruction based on the current market value.

President's visit On Saturday, Duterte led the unveiling of the marker of the recently finished Jameo Mindanao Al-Islamie Masjid,

other wise known as the Grand Mosque.

The President then went to Rizal Park to commemorate the fourth anniversary of Marawi City's liberation from the siege perpetrated by the Maute terrorists.

“Let me take this opportunity to reassure the people of Marawi that the government is doing its best to expedite the completion of rehabilitation projects at the soonest possible time,” Duterte said in his speech.

TFBM-private organization projects Some families affected by the five-month siege received permanent shelters from the partnership between private organizations and TFBM. Mo st of t h e s e we re distributed prior to Duterte's visit and later presented in a symbolic ceremony at Rizal Park.

Under the Rebuilding Marawi Project of the United Nations Human Settlements Program (UN-Habitat), in partnership with National Housing Authority (NHA), 250 families were awarded with permanent house and lot units on Friday.

One of the beneficiaries, 46-ye ar-old Nor j anna h Amerol, said it is an opportunity to rebuild part of what they lost in the war.

“This house is a blessing, a symbol that if a person patiently waits Allah will provide His blessings," she said in a statement from UN-Habitat.

Amerol recalled how she feared for the lives of her two sons who chose to stay behind to take care of the family’s belongings, thinking that the gunfight will last for just three days at the most.

One of her sons was hit in one leg by a bullet as he and his brother made their way to the boat by the lake that brought them to safety.

"Four years! Whatever hardships my family went through, those assuaged by this house. I will not let my children be separated from me again. That kind of fear as a mother is something that I do not want to experience again. This is where we will rebuild our lives, together," she said in the vernacular.

(PNA)

Payments... from page 1

increased costs brought about

by COVID response have dealt a one-two punch on this City’s private hospitals even as they take up the brunt of caring for our sick,” said the

Kagay-an Festival 1st Oro Lechoneros Encuentro Champion

for Orders, Contact Yoyong:

09354145759 09169249371

Oct. 6 statement signed by the heads of GenSan’s hospitals.

They further claimed that the pandemic has “entailed unforeseen expenses to retrofit hospitals with the necessary structures, barriers and procure equipment recommended for the care of COVID-19 patients.”

Pacquiao noted that the issue of delayed payment or nonpayment of PhilHealth to the various hospitals and those in the frontline “has been dragging on for months.”

He pointed out that Dante Gierran, PhilHealth president and chief executive officer, made a commitment on Aug. 26 during the House Committee on Good Government and Public Accountability hearing to settle P17 billion out of the P21 billion it owes hospitals.

“Has this been fulfilled?

How about the remaining P4 billion?” he asked.

Pacquiao emphasized that billions of pesos have been paid to Pharmally Pharmaceutical Corporation and Starpay Corp. yet the hospitals remain unpaid.

“People are dying. Why can we quickly pay companies like Starpay and Pharmally while our medical frontliners and the hospitals they serve remain unpaid?” he lamented.

Pharmally figured in a scandal for supplying billions of pesos worth of medical supplies to government agencies despite its paid-up capital of only P625,000, while Starypay caught lawmakers’ attention when it garnered the lion’s share in distributing money to beneficiaries of the Department of Social Welfare and Development’s (DSWD) social amelioration program (SAP), beating much bigger electronic wallet firms like GCash and PayMaya.

Hydro... from page 1

will contain the hydropower turbine, generator s et, control room, and offices for administration, operations and maintenance.

The Siguil hydro plant intends to supply clean power to “key areas” in the South.

Alsons Power, Mindanao’s first private-sector power generator, operates four power generation facilities with a total capacity of 468 MW. T he g roup pl ans to develop at least seven more run-of-river hydro projects

in the region.

Alsons Power is an arm of the Alcantara Group and the listed Alsons Consolidated Resources, Inc.

Challenge... from page 4

said: “Honey, I hope you’ll find someone to love you as much as I have loved you.”

As her husband began to weep, she said: “It’s OK, dear. While I’ve been in the hospital I have learned that a moment of true happiness is a lifetime, and I have had a lot of happiness.”

That is character and courage rising to the challenge. To give your life to loving others and your Creator is what life is all about. Jesus will enable you to take whatever problems and pain are thrown at you and use them to grow and live a life full of love, truth, peace, power, and purpose. From this day forward, won’t you choose to live your Maker’s way? Jesus will always be with you to guide and strengthen you to rise to every single challenge you face—big or small. Just think a minute.

Election... from page 4

Agriculture Organization’s research study, “in the last decade, agriculture in the Philippines has only .02% GNP growth rate; and those in the rural areas are the most affected negatively by the on-going protracted war and the destruction of the environment through climate change.” This is the reason why three out of four farmers especially the young ones have already left farming, going to the urban centers to work as janitors, waiters or drivers.

Don’t you know that one of the main reasons why the farmers are in so much poverty is because of the Rice Tariffication Law that saw some five million farmers deprived of gaining benefit from rice farming? Let us go back to history. After the signing of the Asian Free Trade Agreement (AFTA) in Cebu in 1997 to allow the free flowing of products among countries in Asia, no less than the King of Thailand took off his robe and crown and worked with the Thai farmers. The king ordered them not to use chemical fertilizers as the toxicity kills the natural essence of the soil;

he further suggested not to use tractor as the emissions contribute to the depletion of the ozone layer; instead, he told them to use carabaos as the waste of the carabaos will fertilizer the soil. Thus, the Thai farmers lowered down the production cost of rice to just P5 per kilo. In contrast, the Filipino farmers who have been tied-up to Conventional Agriculture are still producing rice at P15 per kilo. Thus, when rice entered our country which are sold at only P10 per kilo, such spelled the death of rice farming in this country. This sad truism is also true to corn. Last year, at the height of corn harvest, cheap corn substitutes were allowed to enter our country, thus, corn produced by corn farmers was only bought at P8 per kilo when the production cost was P11.50 per kilo.

A corn farmer in Kibawe, Bukidnon committed suicide “dahil baon sa utang.”

So painful to note that the one who authored Rice Tariffication Law in the Senate was the one who got the highest vote last Election!

Zeal...

from page 4 Ours is simply to cooperate.

We have to continually ask ourselves if our thoughts and desires bear an eminently apostolic character. If not, let’s immediately do the necessary adjustments and corrections.

We have to embark also on a life-long effort to acquire apostolic skills—how to make friends and deepen that friendship, how to pursue full-blast the supernatural apostolic goal of our life while respecting our natural conditions, etc.

Email: roycimagala@ gmail.com

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) 231-6739 CARMEN BRANCH Vamenta Blvd., Cagayan de Oro City Tel. # (088) 231-2011

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