mindanao daily news august 4,2012

SOURCE: PAGASA

WEATHER UPDATESOUTHWEST monsoon affecting Luzon and Western Visayas. Luzon and Western Visayas will have mostly cloudy skies with scattered rainshowers and thunderstorms becoming cloudy with widespread rains over the western section of Luzon which may trigger flashfloods and landslides. The rest of the country will be partly cloudy to cloudy with isolated rainshow-ers or thunderstorms. Moderate to strong winds blowing from the Southwest will prevail throughout the archipelago and the coastal waters will be moderate to rough.

STUDENT/PAGE 9

VOL. 2, No. 66 Cagayan de Oro City Saturday-Sunday August 4-5, 2012 P10.00

NewsNONOYNONOY LECHON

SERVICESOFFERED OUT OF

TOWN ORDER

For more details, contact Tel. No.: 309-5276

HERMILINO VILLALONManager

JOHNDORF VENTURES CORPORATION continues to evolve and create com-munities across the nation. Banking on more than two decades of experience and following the tradition of the successful Granvia Resi-dences, Johndorf ’s newest project, Granvia Suites, is set to become another land-mark in Cagayan de Oro.

Granvia Suites is a 7-storey, modern and mixed-use high-rise con-

Granvia Suites: another landmark in the makingdominium conveniently located near major estab-lishments like SM City and schools like Xavier Univer-sity and Corpus Christi. Thoughtfully masterplanned and designed to suit the dis-cerning taste of the market, it offers eighty two furnished units with five commercial spaces at the ground floor.

With amenities and facili-ties fi t for a luxurious living, Granvia Suites is defi nitely an aff ordable investment catered

to those who want to live without compromises.

Armed with the heritage and credibility, Johndorf Ventures will continue to grow its portfolio as it will soon establish its presence in Davao City.

To know more about Gran-via Suites, visit the Johndorf Ventures office at Unit 7, Jofelmor Bldg., Mortola St., Cagayan de Oro City or call (088) 857-8575 / (0917) 7920322.

XAVIER UNIVER-SITY AND PRYCE CORPORATION, INC. inaugurated the Xavier Universi-ty-Pryce Center for Entrepreneurship on July 29 during the celebration of the Feast of St Ig-natius of Loyola.

This student-run shop-ping and business center is under the University’s Student Entrepreneurship Program (SEP), designed to train students to become successful entrepreneurs. At the ground floor are shopping stalls operated by students taking up entre-preneurship courses while the second floor houses the training and incubation center, a conference room and the SEP office.

“There is a real need for the economy of Cagayan de Oro, the region and

XU opens student mall

to public

KIMBERLITE PAWNSHOP MALAYBALAY BRANCH

Kimberlite Pawnshop will be having an AUCTION SALE on all items that expired on May 2012

AUCTION DATE: JULY 19, 2012Estrada Bldg., Fortich-Don Carlos Sts.,

Malaybalay City, Bukidnon

News In Focus2

Editor: CRIS DIAZ Email: [email protected] Department. : [email protected] • Advertising Department : [email protected]

Read us online exactly as it appears in print : www.mindanaodailybalita.com

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SATURDAY-SUNDAY | AUGUST 4-5, 2012

PARK/PAGE 9

HOUSING/PAGE 9

DIGITAL PRECISIONDIGITAL PRECISIONCAMERA, WATCH & CELLPHONE REPAIR SHOPCAMERA, WATCH & CELLPHONE REPAIR SHOP

J.R. BORJA ST., CDO (J.R. BORJA ST., CDO (Corner Daumar infront BF Cogon)Corner Daumar infront BF Cogon)PABAYO ST., DV SORIA, CDO (In bet. Educ. supply & R.A. Uy)PABAYO ST., DV SORIA, CDO (In bet. Educ. supply & R.A. Uy)

GAISANO CITY (GAISANO CITY (Ground Floor)Ground Floor)

Pryce Plaza HotelCarmen Hill, CDO,

Tel. No.722791 to93/858-4537E-mail:[email protected]

Hotel Koresco Pueblo de Oro Golf Course,CDO

fax. No. [088] 858-9748tel. Nos. 858-9748 to 54,

E-mail:[email protected]

Mallberry SuitesLimketkai Drive ,CDO,

Tel. No. [088]854-3999 / 854-7999E-mail:[email protected]

The Marigold HotelVelez cor. Luna Sts, CDO

Tel Nos. 856-4320, 856-2050, 726937E-mail: [email protected]

Marco Resort HotelCugman, CDO

Tel. No. 732182 / 855-220

De Luxe HotelCapt. V. Roa St. CDO,

Tel. No. 726527 /857-2144

Maxandrea HotelJ.R. Borja St. CDO,

Tel. No. 729943/ 857-2244 / 857-4154

Country Village HotelCarmen, Cag. de Oro

Tel. No. 71-22-03, 71-22-01, 7122-05

Southwinds HotelCapt. V. Roa Sts.CDO,

Tel. No. 727623 / 724803 / 856-2036

Apple Tree Resort and Hotel

Taboc, Opol, Misamis Oriental,Tel. Nos. 754525/ 754263/ 3091986,

Fax No. (8822) 754497

Pearlmont InnLimketkai,Drive,CDO

Tel. No. 729111 / 856-2654 / 729455

CHANANTHON BED & BREAKFASTCM Recto Ave., Cagayan de Oro City

Tel. #: 856-8184, 3095Infront of Sacred Heart of Jesus Montesorri School

FREE BREAKFAST

Nature PensionneToribio Chavez Sts., CDO

Tel. No. 723598 / 723718 / 857-2274

NEW DAWN PENSIONNE

Velez-Macahambus Sts, CDOTel Nos. 8571776, 721776

email : [email protected]

Malasag Eco TourismVillagesCugman, CDO

Tel. No.855-6183 [088]309-3752

HOTELSRESTAURANTS

CAGAYAN DE ORO MAIN BRANCHP & J Lim Bldg., Tiano Brothers – Kalambagohan Sts.,

Tel. # (08822) 727-829 * Telefax # (088) 856-1947CAMIGUIN BRANCH B. Aranas St., Poblacion, Mambajao,

Camiguin Tel. # (088) 387-0491CORRALES BRANCH Corrales Ave., Cagayan de Oro City

DIVISORIA BRANCH A y. 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 CityTel. # (088) 231-6739a

FOR YOUR ADVERTISEMENTS PLACEMENTS CONTACT

AUGUST 18, 2012Located at Guillermo Hayes Street

Nazareth, Cagayan de Oro CityFor more information please contact:

MS. LUCY L. CABALUNATelephone No.: 852-1939Mobile No.: 0922-885-5918

MDN: July 30-Aug. 30, 2012

By PJTREMEDALCorrespondent

OROQUIETA City––Today (August 4, 2012), the local Provincial Environment and Natural Resource Office (PENRO) under its PENRO Antonio M. Mala, Alhaj and Eden C. Pito, Protected Area Superintendent, with the presence of Governor Herminia M. Ramiro will formally launch the natural range park, Mt. Malindang, as the 4th ASEAN Heritage Park for Bio-Diversity.

Governor Ramiro who was then the people’s repre-

Mt. Malindang is the 4th ASEAN Heritage Park in the country, declared during the 13th Informal ASEAN Minister meeting on Environment in Cambodia, last October 13, 2011. This August 4, 2012 this will be formally launch by the province of Misamis Occidental together with other stakeholders. At Left, is the crater Lake Duminagat in the municipality of Don Vic-toriano Chongbian. Google.com photo

Mt. Malindang named Asean heritage parksentative of the 2nd District of Misamis Occidental au-thored House Bill 9034 to name Mt. Malindang as a Natural Range Park.

Mount Malindang is a complex volcano located in the province of Misamis Occidental in the southern island of Mindanao, Philip-pines.

The least studied moun-tain range was formed through several volcanic activities some of which could be historical, evident by the presence of two cal-deras, surrounded by high rock walls, cinder cones,

dome volcano plugs, two sulfurous hot springs, and a crater lake named Lake Duminagat.

The amphitheater struc-tures have extensive distri-bution of volcanic rocks, carbonized wood that are found in pyroclastic de-posits. The entire mountain range is dissected by several canyons and ravines making its terrain very rugged and the forested slopes covered with beautiful scenery.

Mount Malindang and the whole Malindang Moun-tain Range alluring qualities come from its waterfalls,

Crater Lake and dense virgin forests which host diverse and rare species of flora and fauna. On June 19, 1971, the area was proclaimed as Mount Malindang National Park by virtue of Republic Act 6266.

Under the establish-ment of National Integrated Protected Areas System (NIPAS) in 1992, the park was reclassified and was renamed as Mount Malin-dang Range Natural Park on August 2, 2002 through Proclamation No. 228.

The park is encompasses

By LORRY V. GABULEof PIA-Iligan City

ILIGAN City, Lanao del Norte––The Lig-ong Hin-iusang Kusog sa Kabus (LI-HUK-Iligan), Inc., along with several agencies, spear-headed the 4th Mindanao Housing Summit at Tubod, Iligan City last July 31, and focused on post-Sendong initiatives.

This is in partnership with the Philippine Sup-port Service Agencies, Inc. (PHILSSA, Inc.), and the lo-cal government unit (LGU)

4th Mindanao housing summit focuses on

post-Sendong initiativesof Iligan City, specifically the City Administrator’s Office-Disaster Risk Re-duction Management Of-fice (CDRRMO) and the Housing and Resettlement Office (HRO).

“Around 200 participants responded to our invitation comprising Iligan’s urban poor sector, non-govern-ment organizations (NGOs) and the peoples organi-zations (POs), including our PHILSSA Mindanao partners from the cities of General Santos,

Community•Billboard3

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SIGNALS/PAGE 9

POWER/PAGE 9

NOTICE

NOTICE is hereby intestate of state of the late,Yolanda G. Lagus who died on June 24,2002 at Ozamiz City, without any last will and testa-ment and any outstanding debts or accounts, and she left a following: “A parcel of land, known as Lot No. 17348 Cad 271, identical to Lot no. 1525-A, csd-10-014818-D, situated in the Bario of Pangabuan, City of Tan-gub, Province of Misamis Occidental, Island of Mindanao, Bounded on the NE., and SE., along lines 1-2-3-4-5-6 by Lot . 1525-B, Csd- 10-014818-D along line 6-7 by Lot No. 1525, Cad 271, and on the SW., along line 8-9-1 by Old Road, Containing an area of TWELVE THOUSAND SIS HUNDRED NINETY (12,690) Square meters, more of less. Is the Subject of Extra-Judicial Settlement of state of the late Yolanda G. Lagus with Sale. Under the Notarial Registry of Atty. Jesus S. Anonat per Doc. No. 394; Page No. 82 Book No. CLXXIX, Series of 2012. March 10,17 & 24, 2012.

MDN: July 21, 28 & Aug.4, 2012

NOTICE

NOTICE is hereby given that the estate of spouses APRO-NIANO SALVE, who died at Taglibas, Bayugan City on August 7, 2003, and LUCIANA AGUILO, who died on August 20, 1999 in Agusan Doctor’s Hospital, Bayugan City, consisting of a parcel of land (Lot No. 224, Pls 228) located at Sibagat, Agusan del Sur, covered under Original Certificate of Title No. P-1129, is the subject of a DEED OF EXTRAJUDICIAL PARTITION WITH DEED OF ABSOLUTE SALE entered into and executed by herein decedents’ surviving children and heirs, namely, Fel-izardo Salve, Medilina A. Salve, Maximillano Salve, Hermocisimo Salve, Ma. Theresa S. De Castro and Rizalina Salve, per Doc. No. 73; Page No. 15; Book No. ____, Series of _____; of the Notarial Registry of Ferdinand Ebarle, Notary Public.

MDN: July 28, Aug. 4 & 11, 2012

Republic of the PhilippinesLocal Civil Registry Office

Province : Agusan del NorteCity/Municipality : Butuan City

NOTICE FOR PUBLICATION

In compliance with Section 5 of R.A. No. 9048, a notice is hereby served to the public that RUTHIE P. DURO has filed with this Office a petition for Change of First Name from ROSALIO to MICHAEL in the birth certificate of ROSALIO CURILAN DURO who was born on September 4, 1978 at Butuan City, Agusan del Norte, Philippines and whose parents are NICEFORO VALLEDO DURO and MARIETTA CURTINA CURILAN.

Any person adversely affected by said petition may file his written opposition with this Office not later than 07 August 2012.

(SGD.) JUDITH ALVIZO-CALO, LLB, MPA City Civil RegistrarMDN: July 28 & Aug. 4, 2012


Province: Agusan del NorteCity/Municipality : Butuan City


In compliance with Section 5 of R.A. No. 9048, a notice is hereby served to the public that NIÑA C. ESGUERRA has filed with this Office a petition for Change of First Name from SUSANA to SUSAN in the birth certificate of SUSANA BUSIO CINCO who was born on February 3, 1964 at Butuan City, Agusan del Norte, Philippines and whose parents are MAMERTO CARBONILLA CINCO and MAGDALENA GALEON BUCIO.


(SGD.) JUDITH ALVIZO-CALO, LLB, MPA City Civil RegistrarMDN: July 28 & Aug. 4, 2012

NOTICE NOTICE is hereby given that the estate of ROSARIO FORTUN SEVILLANO, who died intestate at P-4, Libertad, Butuan City on October 24, 2004, consisting of a parcel of land (Lot 3550 pls-22/Psd-13-00532) located at Lower Doongan, Butuan City under Tax Declaration No. 96 GR-04-003-3766-R Property Index No. 162-04-003-01-089 covered by Transfer Certificate of Title No. T-19667 containing an area of 5,905 square meters, is the subject of an EXTRA JUDICIAL PARTITION OF THE LATE ROSARIO FORTUN SE-VILLANO made and executed by herein decedent’s only surviving legitimate children and heirs, namely, Loreta Sevillano Lagura and Gamaniel Allan Fortun Se-villano, per Doc. No. 8; Page No. 1; Book No. LXX; Series of 2012 of the Notarial Registry of Atty. Richard L. Lamigo, Notary Public.

MDN: August 4, 11 & 18, 2012

RUSH SALE HOUSE AND LOT!Located at Zone 4, Upper Bulua,

Cagayan de Oro CityAlong Macapagal Drive Titled Lot 310

SQ.M. Fully Fencedw/ 3 Bedrooms, 2 Toilets and 1 Exten-

sion House w/ 2 Bedrooms

Contact: CHING09285215161 / 09275201869

MDN: AUG. 1,2,3,4,6,7,8 & 9, 2012

Pnoy okays creation of Mindanao power monitoring committeePRESIDENT Benigno S. Aquino III has issued Execu-tive Order No. 81 creating the Mindanao Power Moni-toring Committee (MPMC) to facilitate all initiatives aimed at improving the en-ergy supply in the southern region.

Executive Secretary Pa-quito N. Ochoa Jr. said on Thursday that under E0 81 signed by President Aquino July 30, the coordinating body will monitor, harmo-nize and integrate recom-mendations designed to address the concerns of the Mindanao power industry sector.

“The President approved the formation of the MPMC since there is a need for a team or a body that will study the feasibility of rec-ommendations to address

the power situation in Min-danao,” Ochoa said. “It will ensure that coordination and monitoring are in place to better the power situation in Mindanao.”

The Mindanao Develop-ment Authority (MinDA), which was established un-der Republic Act No. 9996 and is currently chaired by Luwalhati Antonino, will oversee the MPMC. The coordinating body also serves as the secretariat.

Other members of the MPMC are the Depart-ment of Energy, the Energy Regulatory Commission, National Electrification Administration, National Power Corporation and the Power Sector Assets and Li-abilities Management Corp. Representatives from the

By ANA CELESTE W. FELISILDA

CAGAYAN de Oro City - The Department of the Inte-rior and Local Government (DILG-10) is holding a series of consultations with the mayors and executives of the Department of Edu-cation and the Philippine Atmospheric, Geophysical and Astronomical Services Administration (PAGASA)

DILG-10 holds consultations on EO 66for the smooth implementa-tion of Executive Order 66.

Signed by President Aquino early this year, Ex-ecutive Orer 66 enumerates the rules concerning the cancellation and suspen-sion of classes and works in government offices during disasters and calamities, like floods and typhoons.

PAGASA says, when Sig-nal No. 1 is raised, classes in public and private pre-school and kindergarten the affected areas are automati-cally suspended.

At Signal No. 2 the sus-pension will also include elementary and secondary

classes, while under Signal No. 3, classes in all levels and works in all govern-ment offices are cancelled.

DILG-10 Director Rene K. Burdeos explained, when there are no storm signals announced by PAGASA, the local chief executives (LCEs), as chairs of their respective Local Disas-ter Risk Reduction and Management Councils (LDRRMCs) may imple-ment a localized suspension of classes in both public and private schools and works in government offices. (Ana Celeste W. Felisilda/DILG/PIA10/jdelpf )

By JOE DEL PUERTO FELICILDAManaging editor

CAGAYAN de Oro City - Highlights of the provincial disaster risk and vulnerability assessment reports were presented during the regional forum on disaster risk reduction and management (DRRM) and climate change adaptation (CCA) here in the city, July 31.

Initiated by the National Economic Development Authority (NEDA-10), the forum centered on concerns that are contributory to the development of safer com-munities in the region by identifying disaster-prone areas, said NEDA10 Director Leon M. Dacanay Jr.

In the same forum, the PAGASA, the Mines and Geosciences Bureau (MGB), the Department of Public Works and Highways (DPWH) and other agencies, took turns in sharing their DRR-CCA-related programs and projects toward mainstreaming disaster preparedness for safer communities. (with report from Apipa P. Ba-gumbaran, PIA-10)

Neda-10 conductsdisaster risk forum

THE Philippine Atmospher-ic, Geophysical and Astro-nomical Services Adminis-tration (PAGASA) releases

Typhoon Signalsin the Philippines

tropical cyclone warnings in the form of Public Storm Warning Signals (PSWS).

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CommentariesCommentariesEditor: JOE DEL PUERTO FELICILDA • Email: [email protected]

Editorial Department. : [email protected] • Advertising Department : [email protected] us online exactly as it appears in print : www.mindanaodailybalita.com

EditorialEditorialTHE proposed creation of the Depar tment of Sports anew could be a productive measure as al legations are hinting that the Philippine Sports Commission (PSC) has failed its mandate to im-prove and develop sports in the country.

However the abolition of the PSC once the new agency is created may not be presently appropriate..

Republic Act 6847 cre-ated the PSC in January 1990 to be the lead entity that shall oversee, reform, and uplif t the state of Philippine sports.

Creating the department of sports anew is laudable

There are allegations that the miniscule size of the country’s contingent to the quadrennial sports Olympics in London is evidence that the stage of RP’s sports development is still undesirable.

That the PSC failed to neither surpass nor even just approximate the many successes that the country attained in the field of sports with the likes of Akiko Thompson (swimming) , Lydia de Vega (sprint), Elma Muros

(track and field), Paeng Nepomuceno (bowling), Eric Buhain (swimming) and Efren Bata Reyes (bil-liards) is still a matter of debate.

The lack of a compre-hensive national sports program, obsolete train-ing methods, the lack of state-of-the-art facilities and modern equipment which are seen as the cul-prits in the country’s poor performance in various in-ternational competitions, may not only be traced to management failures. Other factors such as fi-nancial constraints should

be considered. Come to think of it, the

proposed “Department of Sports Act of 2012,” with the accompanying powers and function and corresponding funding (P178.2 million) provi-sions, could be the resus-citating element that the PSC needs. It is wise to retain the PSC as a sub-entity of the Department of Sports since the new department covers other programs that are out of PSC’s scope of operation. The new department can oversee the performance of PSC.

EDUCATION/PAGE 9

The MINDANAO DAILY NEWS (MDN) newspaper is published daily at Door 2,

Tanleh Building, Abellanosa St., Brgy. Con-solacion, Cagayan de Oro City. It is reg-istered with the Department of Trade and Industry (DTI), Region 10 with Certifi fcate No. 01791042, and with Business Permit

No. 02275, TIN No. 209-980-927Tel. Nos: (088) 856-3344, (08822)72-33-44, Cell nos.: 0917-7121424, 0923-432-0687Website: www//mindanaodailybalita.comE-mail: [email protected],

[email protected]

MINDANAO DAILY NEWSPUBLISHER

www.mindanaodailybalita.com

RUEL V. PELONEEDITOR-IN-CHIEF

ALLAN M. MEDIANTEEXECUTIVE EDITOR

JOE DEL PEURTO FELICILDA MANAGING EDITOR

CRIS DIAZASSOCIATE EDITOR

SHAUN ALEJANDRAE UYSPORTS & LIFESTYLE EDITOR

BEN ARCHER E -DAVAO

PAT SAMONTER E -C

AL JACINTOR E -Z

GERRY LEE GORITP J

URIEL C. QUILINGUING E C

MELANIE RIVERAA

GUILLERMO ADE, J . P

ALBERT MOLIT CIRCULATION

JUN ESCUADRORIZA O. ARES

LIEZL A. DELOSOJOE PALABAO

RENE MICHAEL BAÑOSM C

ATTY. MARIO T. JUNI. . .

L C

MER M. SUDARIAM

The next generation through education

THINK a minute.Recently on television I

saw the mother and father of a young 15-year-old girl being interviewed. Their daughter’s teenage boy-friend had told her that the only way they could be together was for them to kill themselves.

So the 15-year-old girl took a gun and shot herself in the head. But when her boyfriend saw her dead, he became afraid and ran away.

I watched the parents of this young girl who killed herself break down and cry on TV.

They were begging all parents to get closer to our children, and to especially really understand what our kids are feeling and going through in their own life.

It doesn’t matter how much success you and I have in our jobs and careers.

Even if we get the best

Think A Minute

Jhan Tiafau HurstJhan Tiafau Hurst

The job we must not fail

education, become lead-ers with high titles and respected by many people, or if make heaps of money or have the highest titles. But if we fail in our mar-riage and with our children.

If we fail to love and raise our children to be confident, mature, honest people who passionately love God and others.

None of our other suc-cesses can make up for us failing as parents. It’s the one job we must not fail!

Being a successful par-ent is a tough job and big

responsibility.To love, teach, and shape

a human being wisely from the moment they start life is overwhelming!

After all, babies come into our world with no manual or instructions. Then, as they grow their needs change. Plus, each child is different, so what works with one of our kids, may not work with the other.

Yet even when we make mistakes, we can still get closer to our children so they will both respect us

and also count us as their close friends.

Many times the kids who rebel and make bad choices are the ones with parents who just make strict rules, but they are not close to their children.

It’s usually the kids who are close to their parents who really respect, love, and want to care for their parents when they’re old.

But no matter how old your children are, it’s never too late to start being a better parent.

Why not ask Jesus to forgive you for all your mistakes and to take charge, so He can start changing you with His love, power, and wisdom?

It’s only with Jesus in complete charge of your character that you can be-come the parent and friend your kids need.

Just Think a Minute.

BANKING/PAGE 9

Banking history

Speaking Out

IGNACIO BUNYEIGNACIO BUNYE

Last of four parts

FOR the past three days, we have been examining the history of banking in the Philippines. In this final article, we will focus on the development of finan-cial and legal reforms in the country in the last two decades.

According to the Bangko Sentral ng Pilipinas’ “The General Banking Law An-notated: Book 2,” the finan-cial innovations that were introduced in the Philip-pines can be divided into three episodes:

Banking innovations prior to the 1990s.

Institutional changes in the 1990s: classified into for-eign exchange liberalization, financial liberalization, and the passage of the General Banking Law of 2000.

After the year 2000: the emergence of non-tradi-

tional banking products and services.

In 1992, the Bankers’ Association of the Philip-pines created the Philippine Dealing System (PDS). The PDS linked bank partici-pants through an electronic screen-based network that enabled information sharing and the undertaking of for-eign exchange transactions.

The same year, the Ru-ral Banks Act of 1992 re-pealed Republic Act 720, as amended. The Rural Banks Act was passed to encourage and assist in the establish-ment of a rural banking

system that would make credit available and readily accessible in the rural areas on reasonable terms.

On July 3, 1993, pursuant to its constitutional mandate to establish an independent central monetary authority, Congress passed House Bill No. 7037 and Senate Bill No. 1235, which were later signed into law as Republic Act 7653, the New Central Bank Act.

The law created the Bangko Sentral ng Pilipi-nas with the primordial responsibility to administer the monetary and banking

system.The same law declared

that all powers, duties and functions vested by law in the Central Bank of the Philippines that not incon-sistent with the provisions of Republic Act No. 7653, are deemed transferred to the Bangko Sentral ng Pilipinas.

Another significant leg-islation, Republic Act 7721, An Act Liberalizing the Entry of Foreign Banks in the Philippines, was enacted in 1994.

The law liberalized the participation of foreign banks in the local bank-ing system. From only four foreign banks in the country in 1994, the number soon grew to 18 head offices and subsidiaries.

Several important de-velopments occurred dur-ing this decade, like the discontinuation of Bangko

GENERATION and educa-tion are the two comple-mentary words. The former can be the active human beings while the latter is the way they are how to process. If that is the case, it is time for any nation to focus on the national edu-cation system in relation to the nation future. This is important not only the schools, teachers, parents, but also the government both central and regional ones. Why? Now let’s think of it critically.

It is common that all processes in any education program should be assessed. This is intended to see to what extent the process has achieved the goal and objectives of the teaching and learning process. In that case, learners should be paid attention so as to build a learners-centered based method of teaching. The teachers should provide learning strategies for the learners so that the learners can make use of such strate-gies for their own learning.

In more specific term, in education, teaching pro-gram tends to be replaced with the so called instruc-tional program. Instruction occurs in the classroom with teaching and learning activities, thus making the learners motivated. Yet, not all instructional activities can induce the learners’ motivation to learn. In or-

DR. DJUWARISTIE Perbanas (College of Economics and Business)Surabaya, Indonesia

der to induce their learn-ing motivation, there must be learning orientation. This will depend on the instructional program being conducted in any school.

When it is product-ori-ented instruction, the goal of the learning process will of course be directed to the test product. The end of the instructional program should be solely inclined towards the test being de-signed by the schools. So, all activities can be pictured resembling the type of the test items used for mea-surement. This is the very nature of product oriented instructional program.

When such an orien-tation is implemented in schools through out a coun-try or state, there will be a uniform activity as well as policy among all schools. In short, learning style of individuals is monotonous,

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Views•FeatureViews•FeatureEditor: CRIS DIAZ Email: [email protected]

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PRAYER/PAGE 9

CHEEK/PAGE 9

A few days back, my second daughter called me up and she was in a panic mode, asking if she has been sick with mumps as a child or if she has had the immuniza-tion against it.I asked her, why the sud-den interest on it, and she told me that, there were 6 students in her college (Dentistry), who are down with mumps and the stu-dents and faculty alike are kind of panicky. I told her, luckily, you have had your vaccine targeting the virus that causes mumps.Mumps is caused by a Ru-bula virus. It is an acute illness, self limited, though systemic. It affects males and females alike, all ages, though it is more common among children and young adults. The higher the age one gets the disease, the more severe is the presentation and the probability of complica-tions arising from a simple mumps is greater.Man is the only known reservoir for the causative agent, and is spread through respiratory droplets and saliva, direct contact or through fomites.The incubation period

Cheek munks

CIRCLE PRODUCTIONS, Inc. has turned-over a Police Outpost in the Lapasan-Agora Intersection last July 13, 2012 to police Supt. Roy Magsalay, Station Commander of Police Station 3.

This is just the latest donation of the group as it lives up to its commitment of giving back to the community.

“We would like to thank all of our registrants from the recently concluded LKK Freedom Run 2012. Because of you, we were able to put up this outpost and donate to the city police to help ease traffic as well as deter crime,” said Jeffrey Ang, President of Circle Productions.

Since its inception in 2010, Circle

Productions Inc. has conducted for free running clinics, given wheelchairs, or-ganized several “run-for-a-cause events, and provided relief goods, soup kitchen, as well as 2 housing units for Sendong Typhoon victims.

They are also currently sending college scholars to the Mindanao University of Science and Technology (MUST) who were likewise victims of the Sendong Typhoon.

“We would like to invite everybody to our next event, the Kagay-an Festival Marathon on August 19 as we will be hold-ing our first full marathon here in CdO in a long time!” added Francis Velasquez, Circle Race Director.

HealthIn Focus

Dr. Mary Jean Loreche-DiaoDr. Mary Jean Loreche-Diao

IN 1 Chronicles 4:10, we read: “ Jabez was more hon-orable than his brothers. His mother had named him Jabez, saying, “I gave birth to him in pain.” Jabez cried out to the God of Israel, “Oh, that you would bless me and enlarge my territory! Let your hand be with me, and keep me from harm so that I will be free from pain.”

And God granted his request.” The prayer is com-posed of four parts. First, Jabez asks God to bless him. Second, he asks God to enlarge his territory or increase his responsibility. Third, he prays that God will be with him and stay close. Lastly, Jabez asks that God keep him from harm so that he will be free from pain.

The Prayer of Jabez re-veals that Jabez understands what many people do not -- there is only one God and He should be the center of our work God wants to bless every life.

But, we must first make the choice to invite God into our life and ask for

The NewGeneration

Alex A. PodadorAlex A. Podador

ranges from 16 to 18 days after one is exposed to a classmate, an office mate or a family member with mumps. After which, a prodromal period happens wherein symptoms are now felt by the patient: it may start with low grade fever, body malaise, muscle pains, headache, loss of appetite.Though approximately 20-30% of cases may be asymp-tomatic, with a walk in the moon so to speak, feeling nothing at all. This may last for 3 to 5 days, and it may be during this period when the parotid gland (which is the most common salivary gland to be affected, located below the ears and near the jaw line) is swollen and is enlarged (thus the name of cheek munks, like my favourite show Alvin the chip munks).There are two important

things to remember with mumps: first, that, it is con-tagious from about three days before the onset and up to four days after the start of active parotitis, and secondly, it is a benign ill-ness unless, complications arise from it.It is the complications that one may be wary of, and it depends on the organ that may be involved: for men, it may cause orchitis (which some would say may affect one’s sterility). There may be hearing impairment or deafness, leading , thyroid-itis, pancreatitis, to name a few of the organs that the virus may affect. Usu-ally, the parotid gland may be unilateral or bilaterally involved, swollen, tender and painful.The diagnosis is usually based on the clinical

Prayer of JabezHis blessings. Jabez wants to succeed and increase his influence for God.

What is important is that when we want to reach for goals and accomplishments that we have God on our side, we should commit ev-erything to God. It is critical to understand and practice this in a close relationship with God.

Further, it is equally important to stay close to God and rely on His contin-ued support and guidance throughout life. Jabez clearly knows and prays specifi-cally to the One who can protect him from evil and pain -- God. At the end of the verse it is clear that God approved of this faithful prayer by granting it.

It is also important to see that Jabez was passionate in his plea to God: “He cried out to the God of Israel.” God wants to hear that we need Him through passion-ate prayer.

The Prayer of Jabez re-minds us that everybody

LIFE’S INSPIRATIONS: “… So God created mankind in his own image… God blessed them and said to them, `Be fruitful and in-crease in number; fill the earth’…” (Genesis 1:27-28, the Holy Bible).

-ooo-ISSUE IS NOT TOO

MANY PEOPLE, IT IS TOO MUCH WEALTH IN THE HANDS OF A FEW: To the proponents of the Reproductive Health Bill, the issue is not too many people. The real issue is unequal distribution of wealth. In the Philippines as in many other countries, too much wealth (or 98% of it) is in the hands of just a few people (or only 5% or so of the population). That is the reason why there is great hardship, untold suffering, and debilitating poverty among the many. The rich are simply too greedy and unwilling to share.

-ooo-RH BILL WILL NOT

GIVE JOBS TO PINOYS: The truth is that, even if the Reproductive Health Bill is passed into law, it will not make life economically better for Filipinos. It will not stop maternal deaths. It will have no dent at all in the day to day lives of our countrymen, because there is nothing in that bill which provides jobs, employment opportuni-

Truth on RH bill as abortion law

Kakampi mo ang batas

Atty. Batas MauricioAtty. Batas Mauricio

ties, or any other means of livelihood generation.

The only ones who will benefit from its passage will be the lawmakers and local government officials who will be assured of hundreds of millions of pesos in additional fund-ing for the family planning and reproductive health supplies that they are man-dated to distribute to their constituents (see Sections 10, 11 and 12 of the RH Bill), and the commissions that will surely be passed around.

-ooo-TRUTH ON RH BILL

AS ABORTION LAW: And if the truth be told, the present state of the Repro-ductive Health Bill (the one that is posted in the website “RHbill.org”), if passed into law, will still allow abortion even among baby girls,

the claims of Sen. Panfilo Lacson notwithstanding.

Here is a part of the bill which allows even a baby girl to kill the baby in her womb: “Section 4. Definition of Terms x x x Reproductive Health Rights refer to the rights of couples, individuals and women to decide freely and responsibly whether or not to have children; to determine the number, spacing and timing of their children; to make decisions concerning reproduction free of discrimination, coercion and violence…”

Even the most cursory reading of Section 4 will show that any individual or any woman (a baby girl who is pregnant is an individual and a woman) is given the right to decide “freely and responsibly” whether he or she will allow the still-

unborn baby to be born, or allow its abortion. The same section also gives the right to that individual to decide for himself or herself, “free of discrimination, coercion and violence”.

Which is the same thing as saying that, no one, not even the parents of the individual who will give birth, can do anything if abortion is chosen and resorted to.

-ooo-RH BILLS REQUIRES

ASSISTANCE TO WOMEN UNDERGOING ABOR-TION: Of course, the bill, under the same Section 4, says abortion is proscribed, because, under its Section 3 (9) it is declared that abor-tion is illegal and punish-able by law. Nevertheless, the bill directs assistance to be given to women who underwent abortion.

Here is what the bill says: “While this Act recog-nizes that abortion is illegal and punishable by law, the government shall ensure that all women needing care for post-abortion complica-tions shall be treated and counseled in a humane, non-judgmental and com-passionate manner…”

-ooo-REACTIONS? Please

call me at 0917 984 24 68, 0918 574 0193 or 0922 833 43 96. Email: [email protected].

The bill even allows a baby girl to kill the baby in her womb...

Business•CorpNews6

Editor: ALLAN MEDIANTE • Email: [email protected] Department. : [email protected] • Advertising Department : [email protected]


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The Bank of the Philippine Islands (BPI) reported a net income of P9.4 billion for the first half of the year, 52% higher than the P6.2 billion realized in the same period last year. This translated to a 21% Return on Equity and a 2.3% Return on Assets. Net income for the second quarter was P3.6 billion, 8% higher than a year ago due to the 9.4% increase in net inter-est income but tempered by the higher tax line. Both non interest income and operating expenses were relatively flat against the same quarter last year. For the first semester, the significant growth in profits was mainly driven by the 24% improvement in revenues. Net interest income rose by 9% while non-interest income surged by 51%. Improvement in net interest income was due to the com-bined effect of a P32 billion increase in average asset base and a 14 bps improve-ment in net spreads. Non-interest income was boosted by the extraordinary level of trading gains realized in the first quarter of the year as the Bank sold down its securities inventory. Operating expense growth slowed down to 9% with in-creases registered across all categories of expenses. Impairment loss and income taxes remained to be ahead of the previous year by P438 million and P159 million, re-spectively. Loan growth from all seg-ments was sustained as net

loan portfolio reached P480 billion, 17% higher than a year ago. Both the middle market and SME segments contributed a 19% growth while the top corporate segment went up by 15%. Consumer lending increased by 17%. Despite the double-digit growth in port-folio, asset quality continued to improve with net 30-day NPL ratio at 1.4% from last year’s 1.8%. Reserve cover was 140.8%. Total intermediated funds amounted to P1.46 trillion as the Bank’s total deposits stood at P734 billion with growth coming largely from low cost deposits. Assets under man-agement was P730 billion, a 15% growth from last year. BPI’s market capitalization was P265 billion at end of June and remains the larg-est among domestic banks. Its Basel 2 Capital Adequacy Ratio (CAR) was 14.5%. Mr. Gil A. Buenaventura, Senior Executive Vice Presi-dent and Chief Operating Officer of BPI commented, “We are happy to see that loan growth has remained resilient though slightly below the first quarter performance. We ex-pect challenges going forward especially on our net interest margin with the recent cut in the BSP overnight borrowing rate. We will however try to seize opportunities given the continued domestic economic growth, notwithstanding the impact of the Eurozone slow-down. At this point in time, we are on track with our target of delivering a sustainable 15% return on equity

BPI nets P9.4B in 1st half of 2012

MANILA - Th e proposed 2013 P2.006-trillion national budget will hasten implementation of the priority programs under President Benigno Aquino’s “social contract” with the Fili-pino people, Budget Secretary Florencio Abad said this week. Secretary Abad made the statement at the start of the public hearing being conducted by the House Committee on Appropriations chaired by Rep. Joseph Emilio Abaya (1st District, Cavite) at the Andaya Hall of the House of Representatives. Also on hand to brief the ap-propriations panel are Finance Secretary Cesar Purisima and Bangko Sentral ng Pilipinas Governor Amando Tetangco, Jr. who both explained the government’s financial status, monetary policy reforms and the status of the banking sector, to mention a few vital concerns that relate to the administra-tion’s proposed spending law.

Calling the proposed na-tional outlay a budget for people empowerment, as the President called it during the formal turn-over of the pro-posed 2013 General Appro-priations Act the day after the SONA, Sec. Abad underlined the core principles behind the spending bill. The core principles in-clude: 1) greater and deeper commitment to the Aquino Social Contract; 2) acceler-ated completion of priority program targets; 3) stronger government accountability to perform; 4) transparency for faster budget execution and clearer results; and 5) greater stakeholder participation in budget preparation and execu-tion. Abad said that Greater focus on the Social Contract means, among other goals, good governance to attain peace and rule of law, integrity of the environment, inclusive

growth and elimination/reduc-tion of poverty. “We have introduced program budgeting and the sustained use of zero-based budgeting,” Abad told the Appropriations committee briefing. Abad, among others, em-phasized that the proposed spending bill reflects gov-ernment’s focus on judicial reforms, quality education, the attainment of lasting peace and infrastructure programs including electrification pro-jects to spur community de-velopment nationwide. Tetangco and Purisima noted that the Philippines enjoys good macro fundamen-tal following two decades of structural reforms that, among others, include: 1) the crea-tion of the Bangko Sentral ng Pilipinas in 1993; 2) Liberaliza-tion of foreign bank entry in 1994; 3) Liberalization of the telecommunications Industry

in 1995; 4) Privatization of the water services (MWSS & Maynilad) in 1997; 5) De-regulation of the oil industry and adoption of consolidated bank supervision in 1998; 6) Passage of the General Banking Law and Philippine E-Commerce Act in 2000; 7) Liberalization of the power sector (EPIRA) in 2001; 8) Adoption by BSP of IT Framework and the passage of the special Purpose Vehicle Act in 2002; 9) Passage of the Govern-ment Procurement Reform Act in 2003; 10) Passage of the Secu-ritization Act and Adoption of Basel 2 in 2004; 11) Passage of the Value-Added Tax (E-Vat) in 2005; 12) Full implementation of risk-based bank supervision in 2007; and the Guidelines on adopting PFRS 9 and Adop-tion of Phased-in migration to Basel III in 2011.

Government bares P2 trillion 2013nat’l budget will fasttrack projects

Davao City- Child Alert Mind-anao, Inc., an NGO advocating children’s welfare distributed bags and school supplies si-multaneously last July 28 and 29, 2012. According to the executive director Bernardo Mondragon, the activity in-tends to encourage children to religiously attend school. “We conducted the bag distribution activity because children, in impoverished areas like urban poor communi-ties, needs encouragement to continue going to school despite their difficult socio-economic condition. Coaxing them to attend school is one way of steering them away from anti-social activities that are rampant in the communities they come from,” Mondragon said. The recipients of bags and school supplies were children coming from five Davao City barangays where Child Alert circulates, namely Talomo, Dumoy, Toril Proper, Crossing Bayabas, and Daliao. A total of 150 children who

have been actively participating in their community activities were selected to receive bags and school supplies from Child Alert and their international partners, Philippine Interna-tional Aid (PIA) and CIFA-Italy. The Child Alert Mindanao organizes children and their parents, as well as barangay officials in selected Davao City and Davao del Norte barangays. It assists the said community stakeholders in developing their own mechanism for child protection. “Because of their young age and innocence, children are most vulnerable to abuses and rights violations. That is why they should be in the priority list of our government. However, the programs and services for children have yet to materialize in the communi-ties of Mindanao,” Mondragon added. Just recently, the Depart-ment of Labor and Employment (DOLE) released report that as of last year, there are 5.492 million children working with

NGO encourages children to attend school, gives bagsages ranging from 5 to 7 years old. 54.5 percent or 2.993 million out of this figure are involved in hazardous labour, not to mention the children victimized by trafficking and others forms of abuses. There are also around 55 million out of school youth in our country today. “This sad plight of our

children must serve as wake-up call to all concerned citizens and institutions. The govern-ment must prioritize children’s welfare now and make con-crete plans that would address the children’s concern. Our organization is here to offer our unwavering support and assistance in protecting the children”. Mondragon said.

ASSISTANCE.Bukidnon Vice Gov-ernor Jose Ma. R. Zubiri, Jr. gives fi nal instruction to KASI-LO Spokesperson Leah Tumbalang, who is also the leader of Tribal fami-lies who fl ed their homes in Barangay Dao, San Fernando, Bukidnon last March 14, and built their shelter infront of the Provincial Capitol of said province. The “Lumads” evacuated after troublesdue to land confl icts plaqgued their barangay. Dao Punong Barangay Medy Mancilla (2nd from right) listens to Pro-vincial Administrator Provo Antipasado, Jr. on the assistance given by Zubiri: FREDELYN L. RAGANDANG – PGO

Republic of the Philippines Local Civil Registry Office


NOTICIE FOR PUBLICATION In compliance with Section 5 of R.A. 9048, a notice is hereby served to the public that ROFEL C. CABALTERA has filed with this Office a petition for Change of First Name from ROFEL EDUARDO to ROFEL in the birth certificate of ROFEL EDUARDO CHICO CABALTERA who was born on June 25, 1957 at Butuan City, Agusan del Norte, Philippines and whose parents are SANTOS CUBAR CABALTERA and FAUSTINA ALABAT CHICO. Any person adversely affected by said petition may file his written opposition with this Office not later than 15 August 2012.

(SGD.) JUDITH ALVIZO-CALO, LLB, MPA City Civil Registrar

MDN: August 4 & 11, 2012




In compliance with Section 5 of R.A. No. 9048, a notice is hereby served to the public that ERLINDA M. ALLADO has filed with this Office a petition for Change of First Name from CARLITO to JOSE in the birth certificate of CARLITO ALIADO who was born on January 21, 1950 at Butuan City, Agusan del Norte, Philippines and whose parents are TEO-DULFO ALIADO and FELOMINA ALERIA.



MDN: August 4 & 11, 2012




In compliance with Section 5 of R.A. No. 9048, a notice is hereby served to the public that EMMA CONCEPCION T. GAID has filed with this Office a petition for Change of First Name from GORGONIA to GEMMA GORGOÑA in the birth certificate of GORGOÑA ROSALES TOGONON who was born on JULY 10, 1964 at Butuan City, Agusan del Norte, Philip-pines and whose parents are PANCRACIO PASTERA TOGONON and JOSEFINA AZURA ROSALES.



MDN: August 4 & 11, 2012

This was announced by art curator Vic Secuya during the MinTTE 2012's media launching held Tuesday at the mezzanine f l o o r o f t h e R o y a l Mandaya Hotel.

S e c u y a , a l s o a renowned artist, showed the mayor's painting that w i l l be jo in ing the artworks of lawyer Domingo Duerme and businesswoman Elizabeth Dureza, who are making their first back-to-back visual art exhibit entitled "D2D: The Duerme-Dureza Art Exhibit".

"This is a one of a kind art exhibit, a very important event here in Davao," said Secuya.

Duerme and Dureza are also both important per sona l i t ie s in the tourism-business sector. Duerme is the v ice-president for Mindanao of the Philippine Airlines while Dureza owns the Seagull Resorts.

Art curator Vic Secuya (right) shows the painting made by Mayor Inday Sara Duterte that will be on display during the Mindanao Travel and Tour Expo (MinTTE) 2012 set on August 17-19 at the Atrium Annex of the SM City Davao. Also in photo is Charito Aranda, president of the organizing Davao Tourism Operators Association (Dabtoa). Photo taken during the media launching held at the Royal Mandaya Hotel last July 31.

Mayor Sara Duterte to display her own painting in MinTTEDAVAO CITY - Mayor Inday Sara Duterte-Carpio will be showing also her artistic side as she displays her own painting in the coming Mindanao Travel and Tour Expo (MinTTE) 2012 set on August 17 to 19 at The Atrium Annex of SM City Davao.

Dureza, wife of former Presidential adviser for Mindanao Atty. Jesus Dureza, started painting when she accidentally fractured her foot at her resort in Buda.

"It was the best time to paint and it also helped me remove stress," said Dureza, who loves to paint flowers including her favorite Sunflower using acrylic paint.

Secuya sa id that "Dureza's artworks are impress ion i s t ic , w i th sti l l l i fe and more on landscapes".

"She paints f reely without inhibitions, very sincere, expressive of hersel f . The spi r i t of Beth is overflowing with dynamism," said Secuya.

D u e r m e , o n t h e other hand, according to Secuya is more on watercolors which is "a very difficult material to manipulate."

"He (Duerme) will soon

become a professional painter after he retires from PAL. His paintings are already of professional quality," said Secuya.

Secuya sa id that Duerme's favorite subjects are "figurative, mother and child, boy and a carabao that will capture you also."

"(The) compositions are his strength. He puts his figures in the right position," Secuya added.

The three-day event, held also in celebration of the Kadayawan sa Dabaw

Festival, is presented by the Cebu Pacific Air and co-presented by the Philippine Long Distance Telephone Company. It is supported by the City Mayor ' s Off ice, Department of Tourism and SM City Davao.

T h e E x p o i s p a r t i c i p a t e d i n b y the key players in the t o u r i s m a n d t r a d e related industries from al l over the count ry a n d s o m e s e l e c t e d i n t e r n a t i o n a l g u e s t exhibitors.

Unleashing your musical skills : A practical guide

by Debbie Cabague(Part 1 of 2)

In today’s generation kids are blessed to have in their

education the emphasis on skills and arts development.

Helping them unleash their skills at a very young age teaches them to be more likely responsible in developing what they have.

It’s not just about the technical how’s in singing or playing an instrument but it’s also about musician educators and parents modeling to them right attitude in the process of development .

The “technicalities” take a long time depending how gifted the child is or his/her pacing in the process, but what matters more is the attitude of not giving up and by allowing the child to enjoy, in this way they also develop the love and passion for their own musical gifts.

N o w , h e r e a r e s o m e tips for parents, soon to be parents, aspiring musicians and musician educators in unleashing musical skills.For the mommies and daddies you need:1. Keen observation: Before unleashing anything you need to know what is your child’s gift? Observe the likes of your baby/child. In Two years of teaching voice, one mommy said to me her child started humming while she was still a baby and started singing at age of 3. Another mom said while I was having a class with the oldest daughter , the younger sister of my student plays the music of her ate before going to sleep every day . The point here is, when you know the potential of your child, you know what to focus on and avoid leading them into something they do not like.2. Correct exposure: Now

that you know their potential, slowly expose them to music (Classical – Pop)( types of instruments). How to expose? Through selected movies, musical plays, etc. Controlled exposure is better because you know what gets into their minds. Remember, a child’s mind is like a sponge it absorbs almost everything.3. Training: Let’s say the potential is now clear “singing”, after exposing him/her to music, it’s now time to ask if she/he likes to become a singer? Use “Vocal imagery” – a technique wherein the learner is asked to mimic a singer. Let them mimic their favorite singers, afterwards, ask if they really want to learn how to sing or do they want to become like their favorite singer. If they say yes, enroll private individual or group class for formal training. If the answer is no, do not force the child. Re do the process, if the answer is still no, shift to other field depending on your observation. 4. Practicing and modeling right attitude : Granting that your child is enrolled for private lessons, music lessons usually happen once or twice a week only so it needs daily reinforcement when the teacher is not around. Meaning the child has to incorporate practice in the daily routine to build the habit. The truth is, teachers are guides in the process to teach, instruct, correct and evaluate. Parents model the right attitude when you encourage them to practice and give your appreciation to them verbally.

“Train a child in the way he should go, and when he is old he will not turn from it.” – Proverbs 22:6

For more inquiry, contact mobile nos. 09228577868 (Lino) or 09228434561 (Chato)

The best ads are oftentimes the simplest ones. Brands like the “swoosh”, “the ribbon”, “apple” and other known companies know their brand image.

Before we delve into the world of branding we must learn how to overcome clutter in advertising. Let’s say you have a full page newspaper ad in your locality that would probably be an 11x17 inches space – with all that space you begin to imagine what to put into the ad, creating a million images in your head. Then, the layout presents itself – wow! Too many images.

Advertising is not about how many images or how many words you put into your ad, it’s about what counts. We read in marketing and advertising books about a USP – Unique Selling Proposition. This is usually the answer to your problems. How do we come up with the USP?

Sorry, but this can’t be imagined nor can it be a fruit of a pop-up light bulb above your head. This is a part of researching more about your product. It doesn’t necessarily follow that since you made the product – you already know what it does.

We need to know more about our product, its uses – both primary and secondary. Product testing is a must for big companies – as it also be for smaller ones, remember those big companies weren’t handed success on a silver platter. This will also help you improve on your product a lot.

USP will help us narrow down what we need to put into our ads. When you put too many details on your ad, it becomes cluttered and utterly ugly. Sometimes, not researching more about your product can

Unclutter your ADslead to funny ads. Have you ever wondered where these funny ads on the internet come from? About 90% of them came from real advertisements.

I can remember an ad I’ve seen on TV, it was about an herbal shampoo – it was a great trend back in the 90’s, where the commercial model is facing away from the camera revealing a naturally shiny hair as promised by the shampoo – the revelation didn’t stop there, the model turns and whoa! It was a GUY! Come on, really?! Guys don’t like shiny long hair – women do. The commercial was funny, I tell you that. I wonder why they don’t advertise now, not to mention I don’t see their product anymore.

Maybe this is a case of wrong USP and maybe the creators of the ad just wanted it to be funny. Come to think of it – I can’t remember anything about what the product does – but I do remember the ad because it was funny. Was that a cluttered advertisement? Yes, it was. The clutter is the GUY.

I think it would have been effective if it were a female instead of a male model.

USP will help you unclutter your ads. Get to know your product better and you’ll never go wrong – you may never run out of ideas how to advertise it, but it only takes a few words to really make it sell.

There is another form of clutter which we usually see around the city - tarps o n t h e b r i d g e s ’ l i g h t posts and electr ic posts.

This be ing l i tera l ly a clutter, it’s a hide-and-seek game between the contracted installers of these ads and the maintenance crew of the city.

Lifestyle 7

Editor: SHAUN ALEJANDRAE UY Email: [email protected] Department. : [email protected] • Advertising Department : [email protected]


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CROSSWORD puzzleACROSS

1. River boat 5. Bobby or James of music 9. Space 10. Exit 11. Ms. Derek 12. Big shrimp 14. Note 15. Flightless bird 17. Long fish 18. Steven Tyler’s daughter 19. _Juan de Letran 20. On 21. Record 22. Block 24. Angeles 25. Bird 27. Proceed 28. Period 31. Express 32. Get it wrong

33. Dispose 34. Behold 35. First zodiac sign 37. Subsequently 38. Clickable picture 39. Through 41. Areas 42. Backbone

DOWN 1. Infants 2. Smell 3. About 4. Break 5. Sugar container 6. Jacobs or Reagan 7. Conjunction 8. Innocent 10. Camarines capital 13. Paper quantity 14. Bonus 16. Below 18. Type of pointer

21. Toward 23. Article 24. Knowledge 25. Type of dance 26. Ms. Locsin 27. Facial expression 29. Resurrected 30. Worship 32. Love deity 35. High card 36. Bribe 38. During 40. Roman 6

CIRCLE A WORDADITBROOMBRINECROSSCUTDEPOSITDRAWPOINT

DEDGEDRIFTFOOTWALLGIANTHANGING WALLLEACHING

SPICES AMD SEASONINGS (1)

LEVELSMINERALSORE PASSORESOVERBURDENPANNING

SUDOKUHow to play the game?Fill in completely every rows, columns and diagonals of each puzzle without repitition of the same digit.

Ang miagi

Editor: SHAUN ALEJANDRAE UY Email: [email protected] Department. : [email protected] • Advertising Department : [email protected]

Read us online exactly as it appears in print : www.mindanaodailybalita.com 74-53-80 | 857-8447or 09273373917 | 09225384939

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Rank | Country Gold Silver Bronze Total

(As of August 3, 2012 - 12:00nn)

LONDON OLYMPICS 2012 MEDAL TALLY& ranking

Editor’s Note:If you have local athletes and/or stories from

Cagayan de Oro City, Misamis Oriental, and Northern Mindanao, and you would them to be featured in the Mindanao Daily News Sports Page, email the sports editor at

[email protected] It’s time to feature our homegrown talents

and show to our fellow Mindanaoans that we have competitive athletes and sportsmen.

An ocean away, a seven-year old soccer prodigy is already quite sure he´s joining the Azkals someday, provided Real Madrid gives him some time off to join the nationals.

Javier Jacutin Mariona is the son of former Philippine Junior Tennis #1 Marisue Ba l inado Jacut in de Mariona of Cagayan de Oro City, Philippines and Rodrigo Javier Mariona, son of El Salvador football great Salvador Mariona.

Although he´s too young to play competitive soccer, he has been accepted as a member of the Mountain View/Los Altos Academy Atomics Under-8 soccer team. In the final scrimmage of a clinic where he was taught the fundamentals of the game, he scored six of the eight goals made by his team, with one assist to boot!

"Javier stands out among his peers because of his energy," Marisue noted. "Because of his excess energy, he already broke his arm when he was 4. My husband decided to put him into sports to burn off some of that and sure enough he played soccer. He showed signs of great potential even at a very young age. I guess you can say it runs in the blood."

And what a bloodline it is. Rodrigo´s father Salvador is a soccer legend in El Salvador. At the age of 26, he represented his country at the 1970FIFA World Cup in Mexico where they played Mexico, the Soviet Union and Belgium in Group 1.

" H e ´ s l i k e M a n n y Pacquiao in his country, a legend," Marisue said.

Salvador Mariona played for great clubs including Atlante, Alianza F.C. and

What does the future hold for Philippine football and the Azkals?

They just draw the “Group of Death” for the Group Stages of the AFF Suzuki Cup 2012 scheduled for November 24-December 1 in Bangkok, Thailand: 3-time champion

Thailand, 2008 Champion Vietnam and the winner among Cambodia, Timor Leste, Myanmar, Brunei and Laos in the qualifiers slated Oct. 5-13 in Yangon.

Platense Zacatecoluca retiring in 1977 to become a coach. He took over as Chief Executive of Alianza in 2005. Alianza is one of the most popular and successful clubs in El Salvador. It plays in the Primera Division, the highest tier league in the country. It is the first Central American and Salvadoran club to win the CONCACAF Champions' Cup, one of only three Salvadoran teams to have done so to date.

Javier´s dad Rodrigo Jav ier Mar iona was a member of the El Salvador U-21 National Team which played in Canada and Honduras. He had a fruitful career as a junior and college varsity player and was named an All-American in 2003-2004. He was drafted by the professional indoor soccer team Kansas City Comets but decided instead to proceed with his MBA. Today he still plays midfield with the San Francisco Vikings in San Francisco.

And not the least, mom Marisue was the former Philippine Junior No. 1 player, representing the country in tournaments abroad like the Federation Cup, World Youth Cup, Wimbledon, Canadian Open, Japan Open, SEA Games and even making it to the elimination round of the Australian Open Juniors. She attained her highest ITF ranking at #47 for singles and #33 in doubles. Last year, she was chosen the USTA´s Northern California Players of the Year for Mixed Open Doubles with her partner Pablo Schurig.

But back to the future of Philippine football. Javier started playing when he was 4 and learned the game from the KIDZ Love Soccer Clinic in Belmont and Los Altos, California. He attends

"Javier stands out among his peers because of his energy,"

Almond Elementary School and plays for the MVLA Atomics in the 8-Under League.

"Mos t o f the team members are at least two years older than him but because of his skills and passion for the sport, the coach took him under his wing and made him the youngest member of the squad," Marisue said. "Although he's too young to play competitive soccer, at least he's already training at the best league in his area for when he turns eight, he can compete at a higher level."

Already, the future Azkal trains three time a week for an hour and a half and four hours on Saturdays. He also plays tennis twice a week (recently attended Todd Martin´s tennis clinic) and T-Ball (or Tee Ball) a children´s sport based on baseball.

"It´s important for us to give him options so he can decide what sport he wants to play in the future," Marisue said.

Jav ier ' s coach Cr i s Conroy is excited about his

prized ward because of the love he has for the game. "These days, parents often forget that a child will more likely succeed in sports if he loves the game," he noted.

The Marionas believe Javier is on the on the right track and are excited that he loves the sport a lot. If only he could sleep on the field, he would, and he wears his football jerseys everywhere.

Javier favorite team is Real Madrid and hopes to be a part of their squad someday. He ido l i zes Alejandro Batt, his 14-year old cousin, son of Rodrigo´s sister Flori Batt. Alejandro was invited to join the boot camp of the professional Dutch team De Graafshap of the Dutch top league Eredivisie last November and has won a championship with the Solar Soccer Club in Dallas, Texas. He also idolizes Leonel Messi and Cristiano Ronaldo when he saw them play during Real Madrid and Barcelona´s visits to the bay.

And of course, Javier is enjoying the Philippine Azkals Highlights/Goals on

YouTube. " W e a r e a l l g l a d

that Fi l ipinos are slowly appreciating the beautiful game of soccer because it is passionately followed by millions, if not billions, of fans around the globe," Marisue said. "We are hoping that Javier can represent the Philippines one day and compete in the World Cup just like his dad and grandfather represented El Salvador."

Like many tennis players and fans around the world, Marisue excitedly awaits the future tennis careers of Jaden Gil and Jaz Elle, chi ldren of pro tennis´ "Golden Couple" Andre Agassi and Steffi Graf , both former World No. 1´s in their heyday.

But Philippine football and the Azkals need not wait any longer nor look any further. Javier Jacutin Mariona is coming soon and all Pinoys the world over need is a little more patience while he grows up.

a special feature by Mike Baños 1 USA 18 9 10 372 China 18 11 5 343 Japan 2 6 11 194 Germany 4 8 5 175 Russia 3 6 8 176 France 6 4 6 167 G. Britain 5 6 4 158 S. Korea 7 2 5 149 Italy 4 5 2 1110 Australia 1 7 3 1111 Canada 0 2 5 712 Netherlands 2 1 3 613 Ukraine 2 0 4 614 Romania 1 3 2 615 N. Korea 4 0 1 5

SATURDAY-SUNDAY AUGUST 4-5, 2012 9


Editorial Department. : [email protected] Department : [email protected]


Banking...from page 4

Sentral development lending and

the relaxation of rules on bank entry and branching.

Interest payments were also allowed on demand deposits and banks began to innovate in the area of deposits offered — an ex-ample would be the offering of savings discounts with life insurance included.

In 1995, the Thrift Banks Act was enacted to meet the needs for capital, or personal and investment credit or medium- and long-term for Filipino entrepreneurs. At the same time, the law placed medium- and long-term credit facilities (at reasonable cost) within the Filipino people’s easy reach.

On April 12, 2000, Re-public Act 8791, the General

Cheek...from page 5manifestation and history of the illness. Once the diagnos is is made, it would be wise to isolate the patient for at least five days, to make sure that the viral illness is con-tained. Treatment is mostly directed at controlling fever and pain. Just like any viral conditions, this will resolve on its own. Completing one’s immu-nization early on in life, is prevention itself against certain ailments. Hand washing is a very simple procedure that costs little to none at all, but, is one important practice that can save lives....

Prayer...from page 5

struggles with choosing to rely on himself or God. Whether you are a focused Christian or just searching to find out more about God, life is a growing process. However, it is very clear in reviewing the Prayer of Jabez, as well as the rest of the Bible, that God is faith-ful in caring for those who seek Him.

Jabez sets a great example of how God wants everyone to come to Him through constant and passionate prayer. If you are looking to start a relationship with God or improve your exist-ing relationship with Him, start with prayer.

God answers prayers when you trust Him (1 Chronicles 5:20). Prayers to God also please Him (Proverbs 15:8). We can all learn from Jabez and faith-fully pray to God always in everything that we do.

Power...from page 3

Mindanao Electric Power Alliance and Association of Mindanao Rural Electric Cooperatives are likewise enjoined to become mem-bers of the committee.

The President directed the MPMC to develop a database on pertinent in-formation regarding the power sector in Mindanao, assess the energy situation in the region and evaluate the viability of the recom-mendations put forward fol-lowing the Mindanao power summit, among others.

Government agencies, including state-owned and -controlled corporations, are asked to assist the MPMC to help it carry its mandate.

According to Ochoa, initial funding for MPMC will come from the contin-gent fund and other sources that may be determined by the Department of Bud-get and Management. The subsequent budget will be incorporated in the regular appropriation for MinDA.

EO No. 81 takes effect immediately upon its pub-lication in a newspaper of general circulation.

Signals...from page 3

An area having a storm signal may be under PSWS #1 - Tropical cyclone winds of 30-60 km/h are expected within the next 36 hours.

PSWS No. 2 - Tropical cyclone winds of 60-100 km/h are expected within the next 24 hours; No. 3 - Tropical cyclone winds of 100-185 km/h are expected within the next 18 hours; and No. 4 - Tropical cyclone winds of greater than 185 km/h are expected within 12 hours.

PAGASA noted, if a tropical cyclone forms very close to the area, then a shorter lead time is seen on the warning bulletin. (from http://wiki.answers.com)

Banking Law of 2000, was enacted — repealing the 52-year-old banking law.

The passage of the Gen-eral Banking Law of 2000 strengthened the Bangko Sentral’s policy agenda and institutionalized banking reforms in the Philippines.

---You may e-mail us at

[email protected]. Past articles may be viewed at http://speaking-out.ph/speakingout.php.

Education...from page 4

therefore only one type. The type is obviously iden-tified such as all schools burden the learners with a lot of exercises as repre-sented in the test item type as well. This means that the learners have to always practice doing the test from the beginning to the end.

What kind of the next generation do we have then? Of course, the human be-ings without any spirit of initiating any action or being passive waiting for order from other superior ones. Why? That’s the impact of education system when all schools are directed toward the monotonous learning style. The learners are dragged into the boring condition---if not forced to do so---then the end result will be determined by the test items. This is what the so called standardized test designed nationally and centrally. It tends to ignore individual talents.

No research is directed toward the effect of such education system. How-ever, recently in Canada, a friend of mine has already done a research concerning the standardized test. The national exam based on the

standardized test designed centrally is found to be hindering the learners’ cre-ativity. Unfortunately, this is also considered to have been no positive impact on the learners’ motivation and their talent development.

The learners are daunted by being nervous to worry about the test. In order that they can pass the national test, they have to spend their time doing exercises with the same type of multiple choice test items.

What monotonous learn-ing process it is? How can our next generation be more creative in debating, argu-ing, discussing and the like? That’s the entire product oriented. Learners are hu-man beings actively to think. They are not the same (nor similar to) with tangible products in manufacturing companies. We can shape up the cars. We can shape up the radios or televisions. But, we cannot do it for human beings.

It is on the contrary when schools are process oriented. All instructional activities are directed towards the learners’ characteristics and their own talents. This can be reflected in the activities that can induce the learners’ motivation. When process oriented is implemented in

any schools in any country or state, there will be en-hancement of spirit to learn. Teachers tend to be creative to make their learners learn by their own ways. This means that teachers should provide their learners with learning strategies.

Discussions, debates, dialogues, and the like are practiced in the classroom so that the learners are ex-pressively and openly to create ideas. There won’t be teacher-dominated class-rooms, due to the learning process induced by vari-ous strategies created by the teachers. When such a condition can be created, the learning process—in-structional activity— can be enhanced so that the learners’ creativity can also be maintained.

In the process-oriented education, the teachers and schools are demanded to be creative with some teaching methods. Materials are de-veloped from the prepared syllabus or curriculum. This curriculum must always be revised anytime the con-tent cannot really induce the learners’ creativity. The most important thing in this process oriented program is that the learning assessment should be appropriately selected.

Learning assessment should be based on all ac-tivities that have been cre-ated based on the materials which have been developed from the syllabus. Thus, eventually, the test or the measurement should be con-tinuously done—not solely by the time the program is ended. This is the typical education system with its effective way to create the next generation.

The next generation can-not be determined by the standardized test that makes learners unmotivated due to the monotonous activ-ity from the beginning to the end. Imagine when the product oriented system is implemented! What will happen to our next gen-eration? Democracy can be implemented in the forum of classroom activities. If the learners (our next gen-eration) are “processed” using the product-oriented system, we can foresee the robot type of generation in the future.

---Editor’s Note: Dr. Dju-

wari is a PhD in Education, the director of Language Laboratory at STIE Perba-nas Surabaya, an editorial member of some academic journals in Philippines and America.

Housing...from page 2Zamboanga, Davao, and Cagayan de Oro,” said officer-in-charge Esmeralda R. Pada-gas of LIHUK-Iligan, Inc.

Padagas said that they aimed at highlighting post-Sendong initiatives under-taken by LGU Iligan. This was made with presentor Rey Roque, city housing and resettlement officer, who mentioned the eight ongo-ing projects of permanent shelter and the transitory shelter called the bunkhouse are now being enjoyed by internally displaced persons (IDPs).

Lawyer Dulfie Tobias-Shalom, bureau director, Protective Services Bu-reau, Department of Social Welfare and Development Office (DSWD), said that over P4 million have already been utilized for the repair materials. Tobias-Shalom also said that there are 243 identified members from Iligan and Cagayan de Oro that received the modified shelter assistance.

Park...from page 2

three provinces - Misa-mis Occidental, Zamboanga del Sur and Zamboanga del Norte - covering an area of 53,262 hectares (131,610 acres) of which about 33,000 hectares (82,000 acres) or 62% of forest remaining. About 20,000 hectares (49,000 acres) are cultivated and inhabited by indigenous people mostly the Subanen Tribe.

The 53,000-hectare Mt. Malindang Natural Range

Park in Mindanao has been declared an Association of Southeast Asian Nations (ASEAN) Heritage Park due to its “high conserva-tion importance.”

The declaration was made during the 13th In-formal ASEAN Ministerial Meeting on the Environ-ment in Cambodia last October 13.

“Dr. Monina Uriarte of the ASEAN Center for Biodiversity (ACB) and coordinator of the ASE-AN Heritage Parks (AHP) Program said AHPs are

“protected areas of high conservation importance, preserving in total a com-plete spectrum of repre-sentative ecosystems of the ASEAN region.”

“The AHP Program aims to generate greater awareness, pride, apprecia-tion, enjoyment and con-servation of ASEAN’s rich natural heritage, through a regional network of repre-sentative protected areas, and to generate greater col-laboration among ASEAN member-states in preserv-ing their shared natural

heritage. To qualify as an AHP, parks have to meet stringent criteria such as ecological completeness, naturalness and high con-servation importance,” Uri-arte said.”

In the country, Mt. Ma-lindang is the 4th ASEAN Heritage Park, while the other three AHP’s are Mt. Iglit Baco Natural Park in Mindoro, Mt. Apo Natural Park in Davao, and Mt. Kitanglad Natural Park in Bukidnon. (with facts from Manila Bulletin, November 2011 and Wikipedia)

Student...from page 1

the country to have en-trepreneurs,” Fr Roberto Yap, XU president, said. “It’s not enough that we produce good employees. We have to train our stu-dents to be entrepreneurs and serve the community.”

He thanked Pryce Cor-poration Inc headed by its Chief Executive Officer Salvador Escaño for this

wonderful gift to Xavier. Further, Fr Yap encour-aged the students to use the business techniques they are learning to serve the poor by contributing to jobs and livelihoods generation.

“St Ignatius challenges us to find God in all these worldly things and serve Him,” he said.

In the same light, Es-caño inspired the student-entrepreneurs to dream

big, telling them that it’s normal to face difficulties.

“I believe you cannot learn until you fail,” Escaño said. He explained that there is no shame in failing. What is important is that you come out a better person from all your experiences.

The mall is open to the public daily except Sundays from 8 am until 5:30 pm. XU souvenir items, apparels, agri products and com-puter services are among

the items offered by the mall. Food kiosks, mean-while, can be found at the SEP Food Court situated between the Engineering and CIT buildings.

Fr Yap described the Xavier University – Pryce Center for Entrepreneur-ship as a gateway to XU’s service to the community. The mall entrance is now the main access gate to the university both for students and guests.

SECURITY BANK CORPORATION reported a healthy first semester 29% year-on-year rise in its loan portfolio due to the expansion experienced in various industries, most notably in infrastructure, mining, energy and real estate. The bank’s asset base increased to P235 billion, an 11% increase from end of June 2011. Deposit liabilities increased by 26% to P131 billion across all categories.

Security Bank President and Chief Executive Officer Alberto S. Villarosa commented that the core businesses delivered good returns due to the continued confidence of domestic and international in-vestors in the Philippine economy as evidenced by their growing

Security Bank loans grow 29% year on yearlong-term commitments to key sectors in the country.

Security Bank’s non-perform-ing loans ratio of 1.1% for the period remains to be among the best in the industry. NPL cover, meanwhile, was at 219% at the end of the period. The bank con-tinues to maintain a fundamentally strong capital base with its capital adequacy ratio standing at 18.2% as of end June 2012.

Security Bank Chief Financial Officer Joselito Mape said the bank is in the initial stages of an investment phase with the expansion in its branch network and the acquisition of Security Bank Savings. Security Bank has opened 10 out of the planned

50 new restricted-area branches during the first half of the year.

In anticipation of an increase in credit demand, the Bank suc-cessfully concluded a P5 billion offering of seven-year, long-term negotiable certificates of deposit (LTNCD) to its retail and institu-tional clients in February 2012. A second tranche of LTNCD which was recently launched with a targeted deal size of at least P3 billion was oversubscribed prompt-ing the Bank to upsize the issue to P5 billion and to shorten the offer period one week in advance. The second tranche was priced at 5.5% and will have a maturity of 7 years.

In 2012, Finance Asia has

named the bank as the country’s “Best Mid-Cap Company.”

Asiamoney named Security Bank the “Best Domestic Debt House” in the Philippines in the Asiamoney Best Banks 2012 Awards. Security Bank was cited recently as the Best Banking Group in the Philippines at the World Finance Awards and was rated the “Best Bank” by Asian Banker for achieving the highest return on assets in Asia, as well as the third strongest bank in the Philippines. Last June 20, 2012, Security Bank received the “Best in Asia in Corporate Governance” award for the third straight year in the 8th Corporate Governance Asia Recognition Awards in Hong Kong.

10 SATURDAY-SUNDAY AUGUST 4-5, 2012


mindanao daily news august 4,2012

Documents

granvia suites

oro city

malaybalay city

sm city

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johndorf ventures office

cloudy skies

pryce center