Communi-K 3rd quarter 2010

communi-k KMBI

VOL 7 NO 3

Shaping the Leaders of the Next Generation

excellence INSIDE:

Guarding Your Joy at Work

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Ang Pamana

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CMG: Sentro Handy Tips Yuletide | 1Dad “MyDamayan God is a keeper...and soSeason I must be...”

(Deuteronomy 7: 6-11) ng for Every Saving 14 19 Tips 16

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Features 7

Guarding Your Joy at Work

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Ikaw ang Pasko

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Payong Kapatid

News

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Shaping the Leaders of the Next Generation

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Program members joins Tsinelas Festival

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Ang Pamana

Cebu North clean up drive against dengue

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CMG: Sentro ng Damayan

Cebu North and Tuguegarao feed 200 kids

Tips

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Caraga area convenes for team building

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Yuletide Season Saving Tips

EISTOP now on its final phase

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Head Massage: A Way to Relieve Stress

PM kids qualify for scholarship grants

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The Ugly Truth of Personal Care Products

New MI policy approves immediate assistance

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Handy Tips for Every Dad

PM bags 2010 MOTY award KMBI dedicates its new extension office

2 | Communi-K • vol. 7 no.3

Update 20

KMBI now ISO:9001 certified

Message

editorial board

THE EXECUTIVE NOTE

Edgardo S. Mercedes Adviser Rizaldy R. Duque Editor-in-Chief Marissa M. Dela Rosa Editor Lea J. Gatpandan Associate Editor John Russel Barbosa Charis Ken C. Layawan Lloyd A. Luna Janet M. Lunzaga Amelia S. Magpayo Ronald R. Ravelo Reginold D. delos Reyes Michael D. Tanaotanao Contributors Marga N. Rodriguez Graphics Design Hector H. Celajes Jefferson T. Ng Circulation For editorial, contributions, suggestions and inquiries, please contact: RM & C Division Kabalikat para sa Maunlad na Buhay, Inc. 12 San Francisco St., Karuhatan Valenzuela City 1441 Philippines Email: leagatpandan@kmbi.org.ph

Mayroon ka bang natatanging kwento na gusto mong ibahagi?

Narito na ang KWENTO MO BA ‘TO? na magbibigay daan sa mga natatanging kwento ng mga empleyado sa operation. Anuman ang iyong posisyon...anuman ang iyong kwento, mapadrama, comedy, o action, basta’t sumasalamin sa totoong karanasan sa operation ay tiyak na pasok ang kwento mo dito!

Ipadala lamang ang iyong kwento at larawan sa pamamagitan ng email sa leagatpandan@kmbi. org.ph

“All labor that uplifts humanity has dignity and importance and should be undertaken with painstaking excellence.“ Martin Luther King, Jr.

According to Wikipedia, excellence is a talent that is so good it surpasses normal standards. Most people aspire to have this standard of performance but the path to excellence is a long one. It takes time, discipline, effort, and dedication to achieve it. Its effect may not materialize immediately but when the years of practice and discipline come together, like in the last minute dash of the tri-athlete to the finish line, it is impossible to deny the beauty of excellence at work when he wins the first prize. Hence, it is a great tool that makes a leader become effective and stand out among others. This is how we would like to shape the next leaders of our generation.

I would like to encourage everyone to dedicate themselves to the meaningful process of learning.

Maximize the sources of learning in KMBI and find mentors to pull you out of the stumbling blocks. Mentorship can happen anytime, anywhere.

It doesn’t have to be face to face or formal mentoring. Mentoring can also be channelled in new avenues of learning like books, the internet and videos. Although we learn a lot from those who mentor us (our Paul), we are also encouraged to look for those we can mentor (our Timothy). We can learn as much from those we mentor as we are being mentored by someone else. Mentorship is important to shape our characters, discipline, vision, mission, and mindset to achieve one goal. It is in mentoring that we can fully realize excellence. If you have performed excellently, you need to teach others to do the same so they can pass it on.

Regardless of generation differences, success now and then still takes a focused, strategic, and passionate mindset. Hence, it remains a challenge for us to be excellent in our present obligations and for shaping the leaders of next generation. We must have the right attitude to be an effective agent of change that would transcend to every generation. Let us be reminded that we are called to be excellent in every aspect of our lives. We must have room for excellence and allow it to nurture, transform, reform and empower us.

As we prepare KMBI for the future, we must also prepare our workforce to assume its lead.

Egay

Edgardo S. Mercedes Executive Director

“My God is a keeper...and so I must be...” (Deuteronomy 7: 6-11)

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News Briefs Program members joins Tsinelas Festival Two Gapan branch program members joined the colorful “Tsinelas Festival” held at Gapan City, Nueva Ecija in August. The festival was marked by a colorful parade of giant slippers float made by the local producers.

Leonora dela Cruz and Agnes Ocampo, both local producers, showcased their giant slippers during the parade. KMBI program members are usually encouraged to join festivities like this to help promote their products in the community.

“With the increased exposure of The giant slippers made by program member ready for the parade. our client’s products in these festivals, more women in the community are poster in the float to re-introduce its interested to join our program,” said Celeste program among other local producers in the Religioso, Gapan branch manager. community.

She added that in this activity, KMBI The Tsinelas Festival is a concerted also took the opportunity to promote the effort by the city government to boost its organization’s thrust by mounting ENTREP claim as the slipper capital of the north.

Cebu North and Tuguegarao feed 200 kids contribution of program members.

On the other hand, Tuguegarao branch along with three ENTREP centers partnered with the Municipality of Solana during the 36th Municipal Nutrition Month to facilitate the feeding program intended Vanessa Espinosa (center right), Tuguegarao branch manager together with ENTREP officers and members and Heidi Canapi (center left), social welfare officer for day care children III of DSWD Solana. from different Cebu North and Tuguegarao branches barangays. The group assisted in organizing conducted a feeding program that reached the said event and took care of the food some 200 children from San Jose, Talamban with the help of parents and day care center and Municipality of Solana. teachers.

According to Girlie Tering-Tering, Cebu North To continually empower members branch manager, “The feeding program was through community outreach programs, designed and aimed to empower program Cebu North plans to conduct cleanup members of KMBI to help their constituents drives while Tuguegarao branch is looking and serve them the best way they can.” forward to organize another feeding She further explained that most of the program next year. funds used for the program came from the

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Cebu North clean up drive against dengue Cebu North branch recently organized a clean-up drive at Tejeros, Cebu City to prevent dengue outbreaks. Aside from warding off dengue, the activity aimed to encourage residents to clean their own backyard and prompt them to actively serve the community.

“We are doing this not only for social activity but to somehow lessen the threat of dengue in our community,” said Marietta Cabral, Cebu North branch program assistant, as staff and program members start to clean up the center house and nearby areas.

“We really planned this activity because we know the importance of having a clean place to live at. We are glad that members helped during the preparation and contribute for the expenses of the said activity,” said Susan Timona, center vice president for special project.

Due to its success, the branch plans to continue the clean-up drive next month.

Caraga area convenes for team building Caraga area recently organized a team building activity held at the Agusan del Sur Capitol Sports Complex last August.

With the theme “Building Excellence through Team Work”, staff coming from Surigao, Butuan, San Francisco and Tagum were treated to a whole day skills enhancing activity that helped boost the team’s performance towards working to a common goal.

“It is our devotion to build excellence by means of collaboration. We also aimed to develop strong friendship among the area staff to enhance the area’s performance through teamwork,” said Enrique Maca, former Caraga area manager. The team building was highlighted by different games targeted to promote sportsmanship, cooperation and coordination among staff.

This, according to Maca will educate the staff on the value of teamwork in handling day-today operations.

Meanwhile, Pedrito Lacaba, Jesus is Lord Member and DILG Provincial Director, gave a short motivational talk on the said topic.

Organizational News

EISTOP now on its final phase

MIFOS online database sample showing Metro Davao 1 clients profile.

With the pilot testing of MIFOS (Micro Finance Open System) last September, Valenzuela branch migrated their data to the online system to test and determine its capabilities and limitations. A user’s orientation and training was also conducted, prior to migration of data, for program familiarization.

The orientation was attended by branch managers, accountants and accounting assistants of Valenzuela branch. They were also joined by Luzon operations managers, head office representatives from finance & accounting, management information system staff, and audit & training personnel.

To date, the team is still waiting for the organized report of the result of the test. “This is crucial because it would determine the capacity and adjustments that the employees would go through.

Through this, we can also identify if we can adopt with the system or vice versa,” said Jofel Gandeza, Information

Technology manager.

The results of the test would also serve as a determining factor if pilot testing can start in four other KMBI branches in San Fernando, Naga city, Bacolod city, and Davao city.

One of the features of MIFOS is the easy retrieval and consolidation of reports from branches and head office. With this, reports will be automatically generated.

MIFOS can help in achieving the aim of EISTOP to computerize and synchronize KMBI’s system. Per laid out plan, MIFOS is scheduled to roll out to branches by October 2010.

New MI policy approves immediate assistance Insurance, Corporation (CBLIC) through a contract signing held on September 1 at the KMBI Head Office. Under the new contract, immediate assistance will be provided to beneficiary of insured program members amounting to P10,000 and P2,500 if the insured spouse died.

According to Harry Dalanon, Branch Accounting unit head, it is our response to the need of our clients, with the new policy, the family will be Left to right: Sancho Montaos II, finance and accounting director; Edgardo Mercedes, executive director; and immediately assisted upon notification Geraldine Garcia, senior vice president and general of death and submission of pertinent manager of Country Bankers Life Insurance Corporation documents. during the renewal of contract signing.

These changes will take effect on those enrolled members and spouse KMBI had recently renewed its partnership effective September 1 and onwards. with Cocolife and Country Bankers Life

PM kids qualify for scholarship grants APPEND (Alliance of Philippine Partners in Enterprise Development, Inc.) recently announced that ten children of KMBI Program members were among the semifinalist of KILOS scholarship program for school year 2011-2012.

Among the 6th batch of the said scholarship program are Princess Joy Burce, Daet branch; Camille Perez, Batangas branch; Mark Joseph Perez and Jerdie Francisco, Upper Cavite branch; Abigail Rodil, Biñan branch; Patricia Mae Timuat, Naga branch; John Paolo Peranco, Legazpi branch; Lavinia Layson, Sta. Cruz branch; Jayson Beltrano, San Jose branch; and Jennielyn Galinato, Valenzuela branch. The said finalists were pre-selected to take the university examination and they are scheduled for final interview in Manila on March 2011.

Meanwhile, APPEND network established another scholarship grants under the Adopt a Filipino Family Program (AFFP) to further support the advancement of deserving children of microfinance clients. Among the first batch for the said scholarship program are Josephine Bayla, Upper Cavite branch; Jessica Maranan, Lower Cavite branch; and Jocelyn Razon, Kidapawan branch. They are now entitled to enroll in any State University/Colleges or Commission on Higher Education supervised schools in their area and it also entitles them to a tuition fee assistance of P10,000 per semester, and uniform allowance of P1,000 and a monthly allowance of P1,500.

Since the pilot run of APPEND’s scholarship programs, KMBI had already 17 scholars and one of them (Catherine Salacup, Central Cavite branch) recently graduated at the Far Eastern University with the degree of Nursing. These scholarship programs was designed to support the development of deserving high school graduates by providing access to quality education and continue it at top universities and colleges in the country. It also aims to provide the families of microfinance clients of APPEND Network an opportunity to send their children to school.

“My God is a keeper...and so I must be...” (Deuteronomy 7: 6-11)

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Organizational News

PM bags 2010 MOTY award received a plaque of recognition.

“Tabotabo, a manpower agency owner, was primarily chosen because of her distinct business progress as seen in her assets such as increase in business equity, cash accummulation, and acquisition of house and lot and vehicle,” said Ma. Belen Sison, entrepreneurship development department manager.

Aside from Tabotabo, another program member from Metro Davao 1 was also selected as one of the semifinalist. Lydia Malot, a nata de coco producer is supplying products to local market and exports it to Japan through Dole Philippines.

“KMBI is so blessed for having two of our clients recognized for this category (Maunlad), and in the end, one of them received the said Left to Right: Damiana Exiomo, KMBI chairman and president; Crismae Inclino, KMBI Bacolod branch program unit award,” Sison added. supervisor; Dr. Darwin Yu, finance educator and MOTY panelist; Letecia Tabotabo, Metro Davao 2 program member Awarding ceremony was held at and MOTY awardee; Jose Concepcion III, RFM Corporation CEO, president and director; and Edgardo Mercedes, the Metropolitan Museum of Manila executive director during the awarding ceremony at the Metropolitan Museum of Manila. on November 17, 2010. Bangko Letecia Tabotabo, Metro Davao (MD) 2 with the Microfinance Council of the Sentral ng Pilipinas officials led by branch program member, bagged this Philippines, Inc. Gov. Amando Tetangco Jr., business leaders year’s Microentrepreneur of the Year Tabotabo received P100,000 cash and Citi officers graced the said event.

(MOTY) Award for Mindanao Maunlad prize and a trophy while, MD2 branch and category. The said award was given program assistant Cris Mae Inclino received

by Citi Foundation in coordination P10,000 each. The branch office also

KMBI dedicates its new extension office KMBI formally dedicated its new extension office at the CBT Condominium at West Avenue in Quezon City on November 2, 2010.

The new Extension Office will serve as the new home of the branch operations division of the human resources department, as well as

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the research and development, entrepreneurial development and training departments. It will also serve as the main center for recruitment of manpower and training of staff.

During the dedication ceremony, Mrs. Damiana Exiomo, KMBI chair and president, remarked the new extension

office serves both as a milestone and a testament to the Lord’s goodness to the organization.

Currently, its head office in Valenzuela City housed 93 personnel and 15 of them were transferred to the extension office.

Leaders’ Edge

Guarding Your Joy at Work

By Ken Layawan

A

t this point, how would you assess your joy at work? I hope you are still energized with happiness on whatever kind of work God has given you.

If you read our Joy @ Work series, then you would have learned by now how to acquire joy at work and the importance of sharing it with others.

However, you can still lose that joy for various reasons. It is your responsibility to guard it in your heart (Proverbs 4:23).

But the question is, how do you guard that JOY? Now, let us define once again the meaning of joy. Webster’s New World Dictionary defines joy as synonymous with “happy,” “glad,” and “cheerful.” These definitions only define the expression of the wonderful emotion but it fails to consider the causes of joy. For you to easily recall its real essence, let us present JOY as an acronym: J – Jesus O - Others Y – Yourself You may notice that they are presented separately from one another, but they are actually interconnected.

1. Putting Jesus First. When you put Jesus first in your life, you will have a blessed life. Having that blessed life results a joyful life. Having this joy in your heart that can be reflected in having joy at work really does not depend on circumstances but on a living relationship with Jesus Christ. Even if you have everything in life or become the richest and wisest man on earth but if God

does not give you the ability to enjoy it, it would be meaningless (Ecclesiastes 1:2).

That is why it is important that you put Jesus first in your life. It can happen when you show your love to Jesus. The word of God is so clear in Deuteronomy 6:5, which tell us to love God with all our heart, mind and soul. We are to love Him 100%.

However, there are times our hearts are set to prioritize other things before God. We are consumed by other things like material things, career, and family and only a portion of our hearts is left to Jesus.

This is not loving God with all our heart.

If we put God in the center of our lives, if we follow the greatest commandment of loving Jesus first, we can effectively guard the joy that Jesus provided us.

2. Love for others. There would be a feeling of joy in your heart when you are able to show your love for others by helping them in their times of need. Jesus mentioned the commandment of loving one another in John 13:34. Our relationship with fellow men, women and children is inseparable from our relationship with God because His second greatest commandment is to love your neighbor as you love yourself (Mark 12:30-31). Who is our neighbor, then? Jesus taught us through a parable of the Samaritan in the Gospel of Luke that a neighbor could be anybody who

needs our help. We are taught to love the Lord with all our heart and at the same time to love our neighbor as ourselves.

Every person is a neighbor to be cared for.

Hence, our neighbor is not limited to our family, officemates, program members, but anybody that needs our help.

3. Pay Attention to Yourself. You should not forget to pay attention to yourself.

You should be absolutely confident that God loves you. You need time for self renewal and enhancement where you still need to be dependent on God for you to be in good shape holistically. You can consult self management books or articles on the internet to help you in your self enhancement. We have to have a mindset of being transformed by the renewing of our mind. We should not conform to the pattern of this world because God’s intention for us is to have a transformed life (Romans 12:2). It can happen when we change the way our mind operates and focus on Godly attitudes, desires and ideas.

The acronym J.O.Y is a special reminder to each and every one of us to guard that joy in our hearts. I encourage you to put Jesus first so you can love others and be transformed. This can definitely enable us to have the joy that is founded on Jesus.

It would be a kind of joy that goes beyond your circumstances. Pray to God that you may have that joy with you all the time.

“My God is a keeper...and so I must be...” (Deuteronomy 7: 6-11)

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Leaders’ Edge

Ikaw

ang

I

ba pa rin ang pasko sa Pilipinas... iyan ang madalas nating marinig mula sa mga kaibigan at kamag-anak na nagdaraos ng kapaskuhan sa ibang bansa.

Oo, sadyang kakaiba at higit na masaya ang pagdiriwang ng Pasko sa Pilipinas.

Setyembre pa lamang ay dama na ng mga Pinoy ang papalapit na okasyon. Sa buwan na ito ay nagsisimula nang ipatugtog ang mga Christmas carols sa mga malls, bahay, jeepney, bus, at kung saan-saan pa. Tunay ngang nakasasabik naman ang sari-saring handa sa noche buena, ang pagbibigayan ng regalo sa Christmas parties, ang maiingay na paputok at magagarbong dekorasyon tulad ng sumasayaw na ilaw at maliliwanag na parol. Syempre di mawawala ang mga batang nangangaroling na kahit wala sa tono at mali-mali ang lyrics ay nakatutuwa dahil todo bigay pa rin sila sa pagkanta. Ang Pasko ay nagsisilbi ring panahon kung saan nagtitipon ang buong pamilya, nagtatagpo ang magkakaibigan, at nagsasamang muli ang mga nagkalayong nagmamahalan. Sa kabuuan, ang Pasko’y masaya, masagana, at maganda.

Ang mga nabanggit na’y iilan sa mga bagay na nagbibigay sigla sa ating Pasko.

Ngunit, bakit nga ba may Pasko at ano ang ginugunita natin tuwing Pasko? Di kaila na ang ating bansa ay dumadaan sa matinding kahirapan. Hindi lahat ay mapalad na magkaroon ng paskong masagana. Kung dati, ang mga bata ay nangangaroling lang sa mga bahaybahay, ngayon ay makikita mo sila sa

kalye habang nakikipag-patintero sa mga rumaragasang sasakyan upang maki-amot ng barya mula sa mga pasahero. Ito ay hindi na simpleng pangangaroling sapagkat itinataya na nila ang kanilang buhay upang makahingi ng munting pamasko. Maaaring ang mga batang ito ay sadyang salat sa buhay, habang ang iba naman sa kanila ay sinasamantala ang okasyon upang pagkakitaan. Tuwing Nobyembre hanggang Disyembre ay makikita mo rin ang ilang mga katutubong Aeta na lumuluwas pa ng Maynila upang magbahay-bahay at humingi ng regalo. Samantala, may mga bata ring namulat na tuwing sasapit ang Pasko ay dapat na may bagong damit o laruan mula sa kanilang mga magulang, ninong o ninang. Ang iba naman ay excited sa Pasko dahil bigayan ng bonus sa kanilang mga opisina. Ito na nga ba ang bagong mukha ng Pasko?

Sa ganitong mga sitwasyon makikita na mukhang nakalimutan na rin ng mga Pinoy kung ano nga ba ang totoong dahilan ng Pasko. Hindi ba’t ang Pasko ay pagdiriwang ng kaarawan ni Kristo na nagligtas ng sanlibutan?

Ayon sa ebanghelyo ayon kay Juan, “Sapagkat gayon na lamang ang pag-ibig ng Diyos sa sanlibutan na ibinigay niya ang kanyang tanging Anak, upang ang sinumang sa kanya’y sumampalataya ay huwag mapahamak kundi magkaroon ng buhay na walang hanggan.” (Juan 3:16) Ito ang regalong bukod tanging ang Panginoon lamang ang makapagbibigay sa atin kaya’t

“Gayon na lamang ang pag-ibig ng Diyos sa sanlibutan kaya ipinagkaloob niya ang kaniyang bugtong na Anak upang ang sinumang sumampalataya sa kaniya ay hindi mapahamak kundi magkaroon ng buhay na walang hanggan.”

– Juan 3:16

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Pasko Ni Janet Lunzaga

higit na mabuti si Hesus ang maging sentro ng ating pagdiriwang ngayong kapaskuhan.

Panatilihin natin si Hesus sa ating mga puso hindi lamang ngayong pasko kundi habang buhay.

Ang mga bagay na atin ng nakasanayan ay nagbibigay kulay sa ating pasko. Ngunit kung ang kaligayahan natin ay dito natin isasalalay, marapat lang na ating maalala kung sino at ano ang dahilan bakit natin ito ipinagdiriwang - dahil kay Kristo. Siya ang dahilan kung bakit natin ipinagdiriwang ang Pasko na Masaya, Masagana, Maganda.

Masaya dahil ang kanyang pagdating ay nagdulot sa mundo ng kaligtasan. Masagana dahil pinupuno Niya ang buhay natin ng pagpapala. Maganda dahil ang pag-ibig Niya sa atin ay nananatiling tapat at wagas.

Leaders’ Edge

Payong

Kapatid

Ni Amelia Magpayo

B

ilang program assistant, supervisor, manager, o director, may pagkakataon na hinihingian tayo ng payo ng mga taong nakapaligid sa atin.

Maaaring ito ay kaopisina, kamag-anak, kaibigan, kliyente, at marami pang iba. May mga pagkakataon din na kay hirap magpayo sa isang nangangailangan at maiisip mo na bakit parang napakasimple lamang nito sa iba. Paano nga ba nagiging epektibo sa pagka-counseling ang isang tao? Maraming bagay ang dapat natin matutunan tungkol sa pagpapayo (counseling) upang tayo mismo ay maging epektibong tagapagpayo.

Ang counseling ay isang relasyon na ang nais ay matulungan ang isang taong humihingi ng payo o counsel. Ito rin ay isang pagsisikap na magkaroon ng respeto at unawaan sa pagitan ng pinapayuhan (counselee) at tagapagpayo (counselor).

Kaya tayo nagka-counseling ay upang makapagbigay payo at solusyon sa mga problema na hinaharap natin.

Alam nyo ba na ang tamang pagpapayo ay naaayon din pala sa biblia o ang tinatawag na biblical basis of counseling at principles of counseling.

Biblical basis of counseling 1. Galacia 6:1 – Kapag tayo ay nagbibigay ng payo, kung maaari ay huwag tayong maging mapanghusga at gawin ito ng mahinahon. Bilang tagapagpayo ay hayaan din ang pinapayuhan na maihayag ang sariling saloobin o damdamin.

2. I Tesalonica 5:14 – Ang isang tagapagpayo ay dapat magkaroon ng mahabang pasensiya.

3. Roma 15:14 – Dapat ay may sapat na karunungan o may kakayahan sa pagbibigay ng payo.

4. Colosas 3:16- Kapag ang tagapagpayo ay gumamit ng salitang ng Diyos, dapat ay may sapat na karunungan ito sa paggamit ng salita ng Diyos upang maiwasan ang posibilidad na masira ang buhay ng isang tao.

Principles of counseling 1. Know when to speak. (Mangangaral 3:7) Bilang tagapagpayo, kailangan alam natin kung kailan magsasalita o mananahimik.

Mahalaga rin na malaman ng tagapagpayo

ang tamang panahon o timing sa pagpayo.

Malalaman ng tagapayo ang tamang panahon para magsalita kapag ang humihingi ng payo ay nagtatanong na ng mga solusyon sa kanyang pinagdadaanan.

2. Listening. (Kawikaan 18:13; Santiago 1:9) Sa pagpapayo, ang pakikinig ay pinakamahalaga na prinsipyo o karakter na dapat taglayin ng isang tagapayo.

Importante na habang nakikinig ay bantayan din ang bawat galaw at facial expression ng kausap upang malaman ang totoong nilalaman ng kaniyang mga sinasabi.

Bilang isang tagapagpayo ay dapat isaalang-alang ang nilalaman ng sinasabi ng pinapayuhan. Alamin ang damdamin at marapat pahalagahan ang pinaniniwalaan ng pinapayuhan. Dapat ding anyayahang magsalita ang pinapayuhan upang magkaroon ng linaw ang mga bagay na hindi masyadong maintindihan. Upang maging mabuting tagapakinig kailangan maging sincere at bigyan ng buong pansin at unawain ang pinapayuhan. Dapat ikonsidera ang bawat galaw at paghinto sa pananalita ng pinapayuhan.

“My God is a keeper...and so I must be...” (Deuteronomy 7: 6-11)

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Leaders’ Edge

3. Maintaining genuine interest and warmth. (Kawikaan 27:9; Galacia 6:1; Juan 8:7) Ang isang tagapayo ay dapat magkaroon ng interest sa bagay na binabahagi ng pinapayuhan. Mahalaga na maipakita na interesado siya dito at maging totoo sa pagbibigay ng payo.

4. Keeping confidences. (Kawikaan 11:13; 20;19) Bilang tagapagpayo, dapat ay makuha niya ang tiwala ng isang tao upang makapagbahagi ito sa kaniya ng walang alinlangan lalo na sa mga usaping kumpidensyal.

5. Encouraging. (Kawikaan 12:15) Dapat na maging sensitibo sa damdamin ng humihingi ng payo at huwag itong husgahan. Mas dapat na bigyan ito ng lakas ng loob gamit ang salita ng Diyos.

Bilang isang tagapayo, dapat siya ay maging maunawain at handang tumulong sa tao sa panahon ng kanilang emotional distress.

6. Being involved and empathic. (Roma 12:15) Matutunan na intindhin ang pinapayuhan at ilagay ang sarili sa kaparehong sitwasyon upang maunawaan ang pinagdadaanan ng pinapayuhan.

Hindi simpatya o awa ang kailangan ng kausap bagkus ay mas malalim na pangunawa ang kailangan nito Bilang isang tagapayo, dapat siya ay maging maunawain at handang tumulong sa tao sa panahon ng kanilang emotional

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distress.Ang isang tagapagpayo ay dapat na magtaglay ng kaugalian o traits of a good counselor upang siya ay maging epektibo sa kaniyang pagpapayo.

Narito ang ilan.

Traits of a Good counselor 1. Sufficient maturity to care for someone else who is in need. Dapat ang isang tagapayo ay may sapat na maturidad at pang-unawa upang makatulong sa taong nangangailangan.

2. With a humble heart. Dapat ay may pusong mapagkumbaba upang madali siyang lapitan ng walang pag-aalinlangan ng mga humihingi ng payo.

3. Has the ability to cope with ambiguity.

Dapat may kakayahan at abilidad na makaunawa ng komplikadong isyu upang sa gayon ay malaman din paano ito masusolusyonan ng tama.

4. Acceptance of the other person whether he/she will or won’t change the way expected. Dapat ay may kakayahan siyang unawain at tanggapin kung matagalan man ang makitang pagbabago sa pinayuhan dahil kadalasan ang pagtanggap sa pagbabago ay dumadaan sa mahabang proseso.

5. The ability to accept his/her own struggles. Dapat ay may kakayahang matanggap ang mga problema o suliranin na hinaharap. Dapat din ay maturuan niya ang pinapayuhan na tumayo sa sariling paraan. Hayaan ang pinapayuhan na magisip at humanap ng solusyon.

Ang pagpayo ay mahalaga dahil ang isang tao ay nakapagbibigay solusyon sa iba. Upang maging epektibong tagapagpayo dapat ay matuto tayong makinig at magdasal bago pa man ito simulan upang gabayan tayo ng Panginoon na magkaroon ng mas malawak na pang-unawa sa bawat hakbang na ating gagawin.

Graphic source: http://www.evencentre.org/ wp-content/uploads/2010/03/Grief-Counseling.jpg

Shaping of the N

LLOYD ABRIA LUNA is an international motivational speaker, consultant, television host, and internet entrepreneur. He is the author of Is There A Job Waiting For You?, The Obvious: There’s No Secret to Success, and The Internet Marketing Handbook. He is president and CEO of The LLOYDLUNA Communications (www.lloydluna. com), a Philippine-based business consultancy firm. His message of hope has brought him to various speaking engagements in Thailand, South Korea, Malaysia, Vietnam, Brunei, and Singapore. In 2010, he was named SM Supermarket Brand Ambassador.

Cover Story

g the Leaders Next Generation

By Lloyd Luna

L

eaders make this world either a better or worse place to live in. Obviously— and naturally—we’d like leaders to make this world a better place. There’s one problem though, despite our desire to have good leaders in our midst, we still get to see some worlds suffering from ineffective leadership. This is the silent crisis of leadership nowadays that maybe least understood.

I hope I got all the solution to this crisis. But right now, I don’t. I’m not much concerned about our present leaders. What I’m more concerned about rather is the next generation. As leaders, we will shortly pass on the leadership to our successors. But, what if, only few are prepared to run the next strut of the race. How do we shape the future leaders of this land, then? If we want to end this crisis, we have to assume the responsibility to shape the future leaders.

Talk to them. We can’t afford not to talk to the next generation. If we don’t, then, they might repeat the same mistakes we experienced in the past. Giving young people a substantial amount of time is very important. We need to talk to them, engage them in intelligent conversations, and encourage them to speak their minds. We should empower them to see the world as

it evolves, then give them inputs and piece of advice.

Show them respect. I grew tired of hearing that leadership has something to do with age. Regardless of our age, we can persuade. An infant can persuade. A high school student can persuade. Everybody can persuade and influence one decision. The younger generation must be respected. Even if they were born in a different time, with different requirements, different problems to solve, and different opportunities, they deserve to be respected. Try to listen to them and help them find better approaches and strategies to succeed in their own time.

Allow them to experience life. Some members of the older generation would always insist their authority to someone younger than them. They have the power to stop young people from experiencing the best in life. Take for example the usual family setting, the parents usually decide for their children. Will this work? Yes, but not most of the time.

Because of some misfortunes or perhaps negative experiences in the past, we tend to be cautious and overprotective of our children. We stop them from exercising their judgment. We feel that we are the best person to decide. But that is not

the case. We have to let the new generation decide for themselves, however, let us not forget that it is still our obligation to guide them. Lead them with good examples and great experiences. Our leadership stories can help them decide and develop their leadership skills.

Leaders create leaders not followers.

They already lead. By mentoring and coaching the younger generation, there’s a greater chance for this world to be a better place for everybody. This generation is no longer about the old. It is high time that we talk to the generation that will inherit whatever the old generation is leaving behind. The earlier we prepare them, the better their chances of success. We only need to open ourselves and allow them to emerge as leaders in their own time.

Leaders create leaders not followers.

“My God is a keeper...and so I must be...” (Deuteronomy 7: 6-11)

|| 11

ENTREP 101

Ang

Pamana

BUILDING THE FOUNDATIONS OF A WEALTHY LIFE (PART 3)

ni John Rusell Barbosa

N

“

Kapag nag-retiro ka, kaya na ba ng ipon mo na buhayin ka ng hanggang 20 taon pa?

12 | Communi-K • vol. 7 no.3

”

gayong lumalaki na ang pera mo (accummulation) at may proteksyon ka na para hindi mawala ito (preservation), dadako naman tayo dun sa pagpapamana o Transfer of Wealth. Ito rin ang huling hakbang ng Building the Foundation of a Wealthy Life series na ito. Dapat nating maintindihan na tulad ng sinabi ng Bible, tayo ay “vessels” lamang and as we pass through this earth, hindi natin madadala sa hukay o sa langit ang kayamanan. Bilang caretakers, kailangan nating masigurong maayos ang paglilipat natin nito sa mga tao o organisasyong mahal natin. Kaya ang tanong: “Ano ba ang pinakamagandang paraan upang ipamana ito na naaayon sa gusto mo?” Sa totoo lang, kung hindi mo ito pinaghandaan at kinuha ka na ni Lord, ang mahal ng estate tax at iba pang buwis na ipapataw ng gobyerno sa mga magmamana ng ating yaman. Dapat bahagi ng ating financial understanding ang ideya ng “wealth transfer.” Dapat nating balikan kung ano ba ang mga pangangailangan natin sa bawat bahagi ng ating buhay.

Halimbawa, magkano ba talaga ang gastusin sa edukasyon ng iyong mga anak? Sa ganitong paraan ay makapagtatabi ka na para sa kanilang pangangailangan. Kaya ka nga nag-iipon sa bangko, nagtitipid sa bahay, nagbabayad sa educational plan ay upang matugunan

mo ang pangangailangang ito.

Kung gusto mong magkaroon ng house and lot, magkano kada buwan ang dapat mong ipunin? Kung kotse, dapat bang bumili ka na o mag commute muna habang nag-iipon? Kasi importante nga dito ay maliwanag ang iyong goal. Isa dapat sa goals natin ay ang pagreretiro, whether we like it or not. Pag retirado ka na, wala ka ng kita. Ang tanong: ngayong wala ka nang kita, ilang taon ka pang mabubuhay?

Importante yan, kasi kung nag-retire ka ng 60 years old, tapos aabot ka ng 80, 20 taon yun na wala kang kita. Eh di aasa ka sa mga anak mo. Pero kung ang anak mong pinag-aral at binigyang pansin noon ay may sarili nang pamilya, pang-ilan ka kaya sa kanyang priyoridad? Sabihin mo pangalawa ka? Mali. Depende pa rin ito sa pinansyal na kapasidad ng anak mo, eh paano kung kulang din sa kanila o kaya naman ay hindi mo kasundo ang manugang mo, maaaring mawala ka sa priority.

Kaya madalas nating naririnig

ang mga magulang na nakikiusap sa mga anak na dun muna sila tumira ay “dun ka muna kay Kuya,” ang sinasabi nila. Maaari kang pagpasa-pasahan ng sarili mong mga anak.

Pero kung marunong kang magbadyet, parte ng pera mo nung kumikita ka pa ay para sa iyong retirement, ay ibang kwento ‘yan. Kahit nga yung pensionado sa SSS ay alaga ng anak, pinapayungan pa habang papuntang bangko. Anak mo na ang nakikipag-transaksyon, kasi makikihati siya sa pension mo. Pero ang problema nito, magkano lang ba ang SSS pension?

Kunyari 3,000. Ang buwanang gastusin mo ay 10,000. Kapos ka pa ng 7,000. Kung yun lang ang pagkakasyahin mo sa retirement, ay hindi ito uubra. Pero ngayon na naturuan ka na mag-ipon at magpalago ng pera eh wala na ito sa iyong problema. Ang kailangan mo ngayon ay ipamana ang iyong mga pinaghirapan sa iyong maiiwan.

Sa pagpapamana, dapat maliwanag na kung mayroon ka nang pag-aari tulad ng salapi, sasakyan, at bahay at lupa, ay magpagawa ka ng huling testamento.

Kung may kakayanan na ang mga anak mo, magpamana ka na. Hangga’t maaga ay ilipat mo na sa kanilang pangalan ang iyong ari-arian upang sa gayon ay maiiwasan nilang magbayad ng malaking buwis o tinatawag na estate tax kung sakaling kunin ka na ni Lord. Bukod dyan

ay mayroon pang transfer at documentary stamp tax. Imagine? Sa dami at laki ng mga tax na iyan eh baka hindi rin makuha ang iyong pamana. Kaya mahalaga ang estate planning upang mas maging maayos ang paglilipat ng iyong yaman.

Sa kabuuan ng artikulong ito, malinaw na lahat tayo ay obligadong mag-ipon para sa mabuting kinabukasan. Upang sa ating pagtanda ay hindi na tayo aasa pa sa ating mga kaanak. Ngayon, sa paglaki ng ating kinikita at naiipon, napakahalaga na mapangalagaan ito ng maayos at mabigyang proteksyon. Tamang pagbabadyet at pag-estima ng ating mga gastusin ang sulusyon diyan. Pakatandaan na dapat na maliwanag ang ating goals upang makapaghanda tayo ng badyet upang maisakatuparan ito. At huwag kakaligtaan na hindi dahil sa marami ka ng ipon ay tapos na goal mo, kaya mainam na paghandaan ang paglilipat ng yaman.

“

Sa paglaki ng iyong kinikita at naiipon, mahalaga na mapangalagaan ito at mabigyang proteksyon.

”

John Russell Barbosa 2009 Nationwide Sales Excellence Awardee, Philamlife Top 7 Nationwide, OFW SPECIALIST, Philamlife 2009 Top 1 Agent, Espiritu Associates, Philamlife 2009 2007 International Registered Financial Consultant Graphic sources: http://www.flickr.com/photos/rouvelee/ http://www.flickr.com/photos/lenareh/4036919706/

“My God is a keeper...and so I must be...” (Deuteronomy 7: 6-11)

|| 13

CMG:

Sentro ng Damayan Ni Ronald Ravelo

T

amang diet, wastong pagtulog, iwasbisyo, at regular na ehersisyo - ilan lamang iyan sa mga bagay na magpapalusog at magpapalakas sa ating katawan. Gaya nga ng sabi sa isang TV commercial, “Nasa dugo lang ‘yan.”

Kapag sinunod natin ang mga alituntuning pangkalusugan, magiging maayos ang pagdaloy ng dugo sa ating mga ugat o blood vessels. Ayon sa medisina, ang dugo ay naglalaman ng nakapagbibigay buhay na oxygen at iba pang mga nutrisyon sa bawat bahagi ng ating katawan. Ang blood vessels ay nagsisilbing tulay o tagahatid ng dugo sa ating mga vital organs tulad ng utak. ‘Pag maayos ang daloy ng dugo, maayos tayong makakakilos.

14 | Communi-K • vol. 7 no.3

Ganito rin ang prinsipyong sinusunod sa tinatawag nating Center Mutual Agreement o CMG. Ang CMG ang nagsisilbing tulay o “network” sa bawat kasapi upang magkaroon ng pagkakataon na magkaisa at magtulungan.

Importante na maipaliwanag ng maayos sa mga miyembro ng sentro ang kahalagahan ng CMG para mas maging

madali ang pagtanggap nila sa konseptong ito. Lagi nating ipaalala sa kanila na hindi lamang sa bayaring utang dapat mayroong CMG. Dapat ang bawat isa sa kanila ay may pakialam at responsibilidad o malalim na pananagutan sa isa’t- isa pagdating sa mga programa at gawain ng sentro.

Ang bawat miyembro ay dapat na hikayatin ang isa’t-isa na dumalo sa

MF Index

Hindi dapat pagtatapal ng utang ng may utang ang maging pagtingin ng grupo dito, kundi pagkakaroon ng malasakit ng miyembro sa kaniyang kapwa miyembro. weekly center meeting dahil dito nila mas mapagtitibay ang kanilang samahan. Sa prinsipyong “utang ng isa, utang ng lahat,” masusukat kung gaano nila kakilala ang mga miyembro na kanila mismong ipinasok sa grupo. Kung walang papalya sa pagbabayad ay wala rin silang sakit ng ulo, ngunit kung mayroon naman ay dapat alamin ang dahilan kung bakit ito hindi nakabayad o bakit wala ito sa meeting. Hindi dapat pagtatapal ng utang ng may utang ang

maging pagtingin ng grupo dito, kundi pagkakaroon ng malasakit ng miyembro sa kaniyang kapwa miyembro. Dapat nilang isipin na paano na lamang kung sila naman ang hindi makabayad? Mayroon bang magmamalasakit sa kanila?

Ito ang napakagandang aral na nais ipabatid ng KMBI sa ating mga maliliit na negosyante – na ito ay hindi lang basta konsepto ng pagbabayad ng utang kundi ang pagtanggap na ang “buhay ng isa, buhay ng lahat”. Pero papaano na lang kung may matigas ang ulo at ayaw sumunod sa CMG? Malamang na mabuwag ng maaga ang ganitong uri ng grupo. Ang sistemang kanya-kanya ang iiral at marami ang tatamarin na dumalo sa meeting dahil wala silang pakialam sa mga kasamahan. Mas mahihirapan tayong isakatuparan ang ating layunin na magkaroon ng pagpapahalaga sa sarili, kapwa, kalikasan at Diyos dahil mawawala ang lingguhang pagpupulong.

Tulad sa isang blood vessel, ang kawalan ng disiplina at hindi pagsunod sa alituntuning pangkalusugan ay maghahatid ng pagbabara sa ugat na maaaring magresulta ng sakit, kapansanan o kamatayan. Ganito rin ang mangyayari sa isang grupo sa ilalim ng CMG na hindi

tutupad sa mga layunin, paghina at pagbagsak ng samahan. Napakaimportante na sa lahat ng oras ay nararapat pairalin ang CMG sa kanilang samahan. Dahil ito ay pagpapakita ng malasakit sa kasamahang nangangailangan. Ang sentro ang dapat na pansamantalang aalalay sa mga miyembro sa gitna ng kanilang suliranin.

Ikaw kaibigan, kamusta na ang daloy ng inyong samahan?

Sa lahat ng oras ay napakagandang pairalin ang CMG sa kanilang samahan. Dahil ito ay pagpapakita ng malasakit sa kasamahang nangangailangan.

“My God is a keeper...and so I must be...” (Deuteronomy 7: 6-11)

|| 15

Tips

YULETIDE SEASON Saving Tips

C

hristmas season can be very expensive since this is the time where we buy gifts, cards, decors and food for the coming feasts. At some point, budgeting for the shopping frenzy we are used to becomes a stressful chore especially when we are struggling with our finances.

So here are some tips on how to save money this Christmas season: Early Budget Planning. Start to plan your budget and try to save money as early as possible. Arm yourself with a budget planner to monitor your savings. It would help if you itemize your purchase depending on the budget you have. Set a price limit for every gift that you would purchase. This way, you will not lose the spirit of Christmas by worrying over busted budgets.

Making a List. Make a list of everything you will need to spend and stick to it! Decide and divide the total budget between the recipients so you will know how much you are going to spend for a specific person.

Do not overspend and keep track of your expenses.

Make Homemade Gifts. Another way to save money is by making homemade gifts.

Coming up with a thoughtful homemade gift may be more valuable to the person who will receive it. It is also a good excuse to spend quality time with kids at home.

Popular homemade gifts are are chocolates, biscuits and cookies, sweets, and jams.

Come up with a thoughtful homemade gift...it is also a good excuse to spend quality time with kids at home.

16 | Communi-K • vol. 7 no.3

Pick Cheap but Elegant Christmas Cards. Who said that Christmas cards are no longer “in” because of electronic Christmas cards? Some people may still find it thoughtful to receive Christmas cards. Choose cards that are chic, unique and inexpensive. Look for simple, clean designs with muted palette. You can add just a little elegant touch to it by adding a ribbon. Don’t forget to check the quality of the paper used. As an alternative, we can use postcards and letters. If you’re feeling creative, personalize it and use available materials at home.

Express your Creativity with Christmas gift wrappers. A gift wrapped in a special wrapper you created yourself is very special.

You can use available materials at home such as old magazine pages, old strings, buttons, glitters, tissue paper etc. and voila!

You have an instant gift wrapper!

How to save money on Christmas decorations. Invest on a good Christmas tree that can be used for a long time. Be on a lookout for markdowns so you can fill your house with holiday decorations for a small fraction of what they originally cost. If you have kids at home, save the holiday crafts and artworks they made at school.

This way, you can fill your house with extra decors and provide joy to your kids by seeing their artwork as integral part in celebrating Christmas at home.

Saving money for Christmas dinner. Christmas dinner doesn’t need not

be expensive even if guests and relatives drop by unexpectedly at our homes. We can save money by checking out grocery stores offering great deals. We can build a menu based on discounted goods in the supermarket like chicken, vegetables and other seasonal fruits. Stock up everything for Christmas while it is still on sale but don’t forget to check the expiration date.

Nowadays, people are becoming more practical by setting a potluck Christmas dinner wherein guests bring in any food or specialty they prepared for the holiday.

Christmas shopping can be fun! All we need is a dash of creativity plus a budget in mind to make the holiday shopping as exciting as receiving gifts from our loved ones. Now, you can start planning!

References: http://www.suite101.com/content/moneysaving-ideas-for-christmas-cards-gift-wrap-andmore-a243379 http://www.talktalk.co.uk/events/christmas/ features/save-money-at-christmas/2 http://www.frugal.org.uk/christmas.html http://www.betterbudgeting.com/articles/holidays/ saveatchristmas.htm http://moneysmartlife.com/christmasshopping-and-saving-tips-for-atroubled-economy/ http://www.suite101.com/ content/money-savingtips-for-christmas-a148675

Head Massage:

A quick way to relieve stress

S

tressed? Why not give yourself a massage right at the comforts of your home? Although not as popular as body massage, head massage is an effective way to relieve stress. Head massage is also used as a tool for treating different conditions such as insomnia, stress, anxiety, restlessness, and dizziness.

Here are some of the benefits of having a really good head massage: • Reduces stress, calms, soothes and gives comfort to enhance well being.

• To relax and improve alertness and concentration.

• Revitalizes brain and body and relieves headaches, sinus problems and eye strain.

• Improves blood circulation and gives a sound sleep for people especially those who are afflicted with insomnia.

• Reduces and releases tension, depression, and tiredness.

• Helps in strengthening and improving the hair roots, hair texture, and quality.

• Stimulates blood circulation to the hair follicles that encourages hair growth, and retards hair fall, premature gray hair, and baldness.

So if you’re experiencing illnesses or medical conditions mentioned above, try this quick fix at home:

because it prevents protein loss in hair shafts and keeps it healthy.

• Place at least 2 tbsp. of oil on the palm of your hand and slowly apply oil on your scalp. Just make sure that you apply oil on all parts of your scalp.

• Do not rub your scalp forcefully and use gentle circular motion from the top of your head up to the forehead.

• Reapply oil and massage the back and sides of your head up in small circular motions. Once done, massage your scalp with your fingers for 3 to 5 minutes.

• Avoid the usage of scented oil when suffering from headaches.

Thousand years ago...

In India, head massage was originally developed as a grooming technique by women. They use it to strengthen and improve the fullness of their hair. It was particularly popular with women of fashion who wanted to enhance their fine appearance. The technique, in many senses, became part of everyday life and practiced by young and old alike. It became a tradition that was handed down through the next generations.

Allot at least 5 minutes of your time to massage your head before going to bed to fully enjoy its benefits.

Enjoy!

References: http://www.indiaparenting.com/health/324_3487/ benefits-of-head-massage.html http://www.massagetahoe.net/massage/headmassage.html http://www.livestrong.com/article/167292-how-todo-a-head-massage/ http://www.mystic-mouse.co.uk/Wisdom_Texts/ IndianHeadMassage.htm Graphic sources: http://www.thetranquilpath.com/franchise.html http://1800recycling.com/2010/07/homemade-bugrepellent/ http://www.marialiberati.com/2009/02/28/olive-oiletruscans-romans/

• Select any oil of your choice. Coconut oil is considered to be the best option

“My God is a keeper...and so I must be...” (Deuteronomy 7: 6-11)

|

17

Tips

The

Ugly Truth of

Personal Care Products O

kay, so you can’t go out without brushing your teeth, shampooing your hair, shaving, applying lotion and many more to enhance your appearance.

But do you really know the ingredients of the products you are using?

Everyday, we come into contact with harmful chemicals used in personal care products like soaps, shampoos, deodorants etc. But since we are often victims of clever endorsements and well-executed packaging of each product, we don’t really give importance on its composition.

All we want is to buy the brand and use it. However as consumers, we have the responsibility to check if whatever we buy is safe for consumption. Now, get your favorite product and check if this contains harmful chemicals on our list: Mineral Oil, Petroleum and Paraffin.

This literally coats our skin and clogs our pores. Yes, your skin can be initially smoother but it won’t allow your skin to breathe and would become more dehydrated. It prevents the skin to do its job of ridding the body toxins and can speed up aging. This is usually found in lipsticks, lotions, makeup removers, liquid foundation, face creams, eyeliner pencil, wax hair remover, and baby oil.

Further, for those who are using fragrant or aromatherapy candles at home or in your office beware of candles that contain paraffin. When burned, paraffin emits toxins that can be harmful to your health when inhaled. It is safer to use products that contain cocoa butter, virgin coconut oil, or sunflower oil.

Sodium Lauryl Sulphate (SLS). It strips

18 | Communi-K • vol. 7 no.3

off natural oils from our skin and hair that can cause irritations and rashes. This particular ingredient helps soap, shampoo, shaving foam, toothpaste and bubble bath lather up. So, look for products that contain cocoamidropyl betaine (coconut cleanser), and decyl glucoside (from corn oil) rather than SLS. Formalin or Formaldehyde. The fumes of this chemical can cause irritation and allergic reaction. Headaches, asthma attacks, watery and burning eyes are among the short-term side effects of exposure to this chemical. It can also lead to skin cancer.

This chemical is used in preserving dead bodies. Other products use other names for formalin like methanal, oxymethyline,

urea, 1,3-dioxetane, quaternium, methylaldehyde, methylene oxide, formic aldehyde, oxomethane formalin, phenol formaldehyde. These chemicals are commonly used in nail polish, shampoos, toothpaste, baby wipes, and skin creams.

Alcohol or Isopropyl Alcohol. It can dry your skin and speed up aging. Its fumes can cause nausea, headaches, dizziness and depression. This chemical is normally used in perfumes, hair sprays, after-shave lotions, body lotions and hair color products.

Talc. Particles of this mineral can cause tumors in human ovaries and pulmonary diseases. It also endangers the lungs of the infant. It is the main ingredient for baby

Tips powder, loose and pressed powder such as blushes, and powdered foundation.

Handy Tips for Every Dad

Parabens (Methyl, Butyl, Ethyl, Propyl): These chemicals are suspected of having adverse effect on health. It can cause allergies, premature aging, breast cancer, and may contribute to sterility, and early puberty of women. Paraben is commonly used in antiperspirant, lotion, lipstick, shampoo, toothpaste, etc. Manufacturers are using this chemical to prolong the shelf life of their products.

Polyethylene glycol (PEG). This may cause hives, eczema, and cancer. It also strips the skin’s natural moisture and leaves the immune system vulnerable. It is normally used as gelling agent in cream, shampoo, and conditioner.

Available products in the market may contain small amounts of these harmful chemicals. However, the danger lies in regular use of these products and its chemical reaction when mixed to other products. Before you know it, your body may get pounds of chemicals a year!

Remember, we cannot control the products available in the market but we can control what to use for our body. So be a wise consumer!

References: http://www.essortment.com/lifestyle/ harmfulbeautyp_szst.html http://www.ehow.com/facts_4884959_harmfulchemicals-beauty-products.html http://www.well-women.com/chemicals.html http://humanheartnature.com/product_not.html http://www.thehealthymoms.net/2010/02/just-sayno-to-talc-health-risks-in.html http://www.articlesnatch.com/Article/CheckYour-Personal-Care-Products-For-These-ToxinsNow-/960273 http://www.healthiertalk.com/hidden-formaldehydeeveryday-products-0837 http://planetgreen.discovery.com/fashion-beauty/ care2-toxic-beauty-ingredients.html Graphic source: http://www.richard-wilkinson.com/2007/07/20/ unhealthy-cosmetics/ http://www.octomomma.com/wp-content/ uploads/2009/03/ octomomnadiasulemancosmeticstore.jpg

Every married man should know that it’s not because he already established a family, it virtually ends there. Being a good provider is of course, a given responsibility but more than providing food on the table, every Dad must be creative too in nurturing personal relationships with every member of the family. You can’t be just Dads at home! Here are some tips you might want to try:

How to become your wife’s bestfriend?

• Kidnap your wife this weekend and take her to a romantic bed-and-breakfast.

Make arrangements for a babysitter.

• Give your wife a gift certificate for a onehour facial or massage (or both) • Tell your wife that you will take her and the family out for dinner tomorrow night.

• Invite your wife to the movies - and see one of the movies she’s been talking about.

• Give your wife a foot massage with some good spa oil or body cream.

• Help your wife clean up the kitchen after dinner.

• Ask you wife to make up a “honey do” list for you. Specify no more that five items though.

• Take your wife to her favorite restaurant (no children this time).

• Give your wife a coupon that’s good for ten hours of free time as you watch the kids.

curricular activities.

• Make it a point to know your children’s friends.

• Make your home a gathering place to hang out. Kids love to nibble so always have nibble food available.

• Support your children’s interests. If they enjoy fine arts, you enjoy fine arts. If they like sport, you enjoy sports.

• If you have daughters, don’t forget them.

They learn a lot of valuable lessons by being with dad.

• Plan family time together. Children who know they belong to a solid family are more successful in school.

• Develop traditions for the family: birthdays, holidays, religious ceremonies, etc.

• Touch your children - become a hugger.

Appropriate touching lets your children know that they are accepted and loved.

How to become your kid’s bestfriend?

• Become involved in your children’s extra-

Graphic source: http://archive.drlaura.com/timages/sd/blog/son_ kisses_father.jpg

References: 500+ Handy Hints for every Husband by Bob Barnes

“My God is a keeper...and so I must be...” (Deuteronomy 7: 6-11)

|

19

Organizational Performance

3rd Quarter 2010

Indicators

Efficiency

Loan Activity

Cost per Unit Lent*

0.0043

Client Outreach

232,411

Cost per Loan Made*

24.69

Loan Portfolio

P624.78M

Financial Self-Sufficiency

109.82%

Value of Loans Made

P1.64B

Operational Self-Sufficiency

112.13%

Portfolio-at-Risk

10.67%

Ave. No. of Client per PA

265

MF Operations

1205

No. of Loans Made

290,240

Support Group

89

Number of Staff

*USD 1.00 is equivalent to Php43.73 as of September 30, 2010

Project Update

KMBI now ISO:9001 certified

Our Vision

“To see people in communities live in abundance with strengthened faith in God and in right relationship with their fellowmen and the rest of creation”

Our Mission

“KMBI is a Christ-centered development organization, existing to help transform the lives of its clients and develop its human resources who will provide sustainable microfinance, training and demand-driven non-financial services.”

Core Values Respect Integrity Stewardship Commitment to the Poor Discipline Innovation Excellence

Edgardo Mercedes, executive director; and Damiana Exiomo, chairman and president during the symbolic installation of ISO logo at the West Avenue branch.

KMBI (Kabalikat para sa Maunlad na Buhay, Inc.) adds another milestone to its history as it earned its ISO 9001:2008 certification on October 7, 2010. TUV Rheinland Philippines, the accredited auditing firm of the ISO, issued the certificate to KMBI head office and five other branches in West Avenue, Daet, Metro Davao 2, Kidapawan and Koronadal.

KMBI board, management and staff celebrated the accreditation on December at the head office and five other branches.

Damiana Exiomo, chairman and president; and Edgardo Mercedes, executive director headed the symbolic installation of the ISO logo and

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signing of the commitment to excellence wall.

“This certification is very important to us because it is a mere validation of the quality of service we provide and our commitment for the poor,” Reynald Alpajando, Systems Management manager said.

According to the TUV Rheinland website, customers have more confidence in a ISO certified organization. They can assume that they will be treated seriously if they have problems or complaints and be given effective assistance. Certified organizations are also spot checked to see whether the organization fulfilled the requirements specified by the relevant standard.

Goal 25.250 “Reaching out to 250,000 Filipino households on our 25th year”

Kabalikat para sa Maunlad na Buhay, Inc. Head Office: KMBI Bldg., 12 San Francisco St., Karuhatan, Valenzuela City Tel (02) 291.1484 to 86 l Fax (02) 292.2441 http://www.kmbi.org.ph