BusinessWeek Mindanao (April 20, 2016) by Mindanao Daily News

BusinessWeek MINDANAO

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Volume VI, No. 126

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Briefly Job fair LABOR and Employment Secretary Rosalinda Dimapilis-Baldoz announced that the 2016 Labor Day Celebration on 1 May will be highlighted by the conduct of modified Job Fairs in 44 sites across the country’s 17 regions. “The 2016 Labor Day celebration underscores the DOLE’s effort in developing the country’s top resource, our workers, and generating decent and productive jobs to secure a brighter future for the country,” Bladoz said. The 114th Labor Day celebration on May 1, 2016, is themed “Kinabukasan Sigurado sa Disenteng Trabaho.” Baldoz said the nationwide Labor Day Job Fairs will be modified by the DOLE through the conduct of a Career Fair, which is aimed at assisting the youth and students in their career decisions. The Career Fair will showcase key sectors and industries that would generate employment in the next seven to 10 years.

Peace process THE ongoing military operations against the Abu Sayyaf Group (ASG) in Basilan highlight the need to continue with the Bangsamoro peace process in order to curb activities of extremist and terrorist groups, Government of the Philippines chief peace negotiator Professor Miriam Coronel-Ferrer said in a national televised interview, April 14. “The event in Basilan indicates a very deep and complex problem that you cannot simply solve through military means,” Ferrer said. “It requires the kind of a much nuanced approach across the communities, across the tribes, and across the different armed groups.” Ferrer stressed that the project of putting in place sustainable peace and development should not be held hostage by the violent episodes.

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Establish foundation for inclusive growth NEXT PRESIDENT’S CHALLENGE:

By MARK D. FRANCISCO

O ACHIEVE inclusive growth, the country’s next President must address the burgeoning problem on unemployment and underemployment, inadequate infrastructure, the agriculture sector, persistent poverty and vulnerability to natural disasters, a former socio-economic chief said. In his presentation for the Philippine Chamber of Commerce and Industry (POOI) in Cagayan de Oro City last week, former socio-economic Secretary Romulo L. Neri said the Philippines can only experience inclusive growth if the new leader elected in May would be able to provide adequate opportunities and infrastructures

NERI

for the economy to take off. “To achieve inclusive growth, we must create a climate conducive to a high rate of productive investments through such interventions as improving regulatory and policy environment, optimizing social investments and assistance to small and medium enterprises,” Mr. Neri said.

“A passive, trickle-down approach will not work in a country where you have high rates of poverty and joblessness,” he added. M r. Ne r i s a i d t h at t h e government has always boasted itself of increasing gross international reserves, investment grade credit ratings, continuing low interest rates, sound cash position and revenue efforts, among others yet this has not translated to inclusive growth. “Poverty levels remain almost the same from 26.5 percent in 2006 to only 25.8 percent in 2014,” he said. With that, Mr. Neri said that the next President must make challenge/PAGE 11

El Nino-affected farmers In Northern Mindanao receive rice assistance By MARK D. FRANCISCO, Staff Writer

MORE than 11,000 farmers from Northern Mindanao and their families who have been affected by El Nino have already received rice from the Department of Social Welfare and Development. According to DSWD 10 operations chief Rosemarie P. Conde, the farmers came from ten cities and municipalities in the region. But here’s the catch – those who received the sacks of rice only came from local

government units which have declared themselves as in a state of calamity. This situation creates a problem for farmers in Cagayan de Oro where the mayor and the councilors are in a deadlock on which barangays the state of calamity should be declared. City social welfare and development officer Teddy Sabuga-a said that there were already 21 barangays in the assistance/PAGE 11

FISH FROM SAMAL. Porters at Bangkerohan public market in Davao City unload buckets of “moro-moro” from Samal Island at the dropping area in Pag-asa, Bangkerohan on April 18, 2016. Pag-asa serves as a dropping area for fish and vegetables from different regions in Mindanao. A big portion of the area was gutted by fire last April 15. MindaNews photo by Toto Lozano

P500m bulk water project breaks ground today in Opol

Lumayagan River.

OPOL, Mis Or -- A P500million private investment for the bulk water supply project of Opol, Miamis Oriental will groundbreak today at its site in Lumayagan River, Barangay Tingalan, Opol, Misamis Oriental. The groundbreaking ceremony will be led by project proponent AB Bulk Water Company Inc. headed by Dr. Walter Brown and

Robertino Pizarro, chairman and president, respectively. The project is said to be the flagship project of town mayor Max Seno. The bulk water project is expected to benefit some 25,000 residents of Opol and will be carried out under the Private-Public Partnership (PPP). The PPP is powered by Municipal Ordinance

No. 2014-15, passed and approved unanimously by Opol Municipal Council presided by Vice Mayor Thatsie Ortigosa on August 4, 2014. Late last year, AB Bulk Wat e r C o mp a ny, In c . , a subsidiary of A Brown Company, Inc has signed a memorandum of agreement ( MOA ) w it h t h e l o c a l water/PAGE 11

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DSWD provides food assistance to families affected by El Niño

IN aid for the continuing effects of El Niño in the region, the Department of S o c i a l We l f are an d Development (DSWD) here sends out food assistance to the affected farmers across the provinces of Bukidnon and Misamis Oriental. This is in support to the efforts and requests of local

government units (LGUs) that declared their areas in a “state of calamity”. Based on the list provided by the LGU there are about 2 4 , 3 7 4 f ar me rs , fore st workers, farm laborers and fisher folks affected by the calamity, of which 22,247 are from the areas of San Fernando, Kibawe,

Kitaotao, C abanglasan, Lantapan, Quezon, Valencia, Talakag and Malaybalay City Bukidnon, the remaining 2,127 are identified from Claveria, Misamis Oriental. To this date, 3,776 families have already receive a total of 10,850 Family Food Packs while 7,306 families are expected to receive

the same number of food packs this month. The other 13,292 families are still on the process of validation as to their eligibility for assistance. The Family Food Packs contains rice and ready to eat foods. “We want to ensure the public that the department has Family Food Packs

Pantawid Pamilya sparks hope for a young dreamer DA H I L d ito, a ko ay naniniwala na meron pa kaming pag-asa sa buhay. Jin ky G ome z, 15, expressed how the Pantawid Pamilyang Pilipino Program (Pantawid Pamilya) of the Department of Social Welfare and Development (DSWD) changes their lives during the Sitio Electrification Program (SEP) Switch-on Ceremony on April 13 at Laguindingan, Misamis Oriental.

Gomez’s family has been a member of the Pantawid Pamilya since 2011 and for her, the program really helped them meet both ends having only their father, who works as a jeepney driver, earn for the 12 members of the family. “Dahil dito, ‘yung iba kong mga kapatid ay hindi nakapag-aaral sa college, at sa murang edad, nagtatrabaho na lamang upang makatulong

sa pamilya,” Gomez shared. Being a witness to how her family struggled from poverty every time they clamor for tuition fees, allowance, food and other expenditures, Gomez has seen how their lives changed when they were chosen to be one of the beneficiaries of the Pantawid Pamilya. Thus, Gomez wanted to correct the misinformation spreading that the assistance

is not properly handled by the beneficiaries and that the latter no longer toil as they only wait for the money to be given to them. “Ako at ang aking pamilya ay dati naghirap, naging beneficiary ng 4Ps (Pantawid Pamilya) at nagsasabi sa inyo na dahil dito, kami ay medyo nakaahon na sa kahirapan,” the 15-year-old beneficiary stressed. She also added that even if they are receiving a grant from the government, they have been responsible in handling the money and they only spend it for their education, and they comply with the program’s conditions. pantawid/PAGE 11

and cash assistance readily available for any disaster response,” says Virginia Cardona, Disaster Response focal. “The effects of the calamity drastically affected the livelihood of the farmers and we believe other agencies of the government and even

the civil society groups have also reached out and extended their aid,” she adds. The department as the lead agency for social welfare and protection will continue to be vigilant and vigorous in addressing related issues. (Jamila M. Taha/RTP/PIA10)

Competency-based education By Lucille Quiriado Libona National High School

C O M P E T E N C Y- b a s e d education, also called competency-based learning, is an approach to teaching and learning more often used in learning concrete skills than abstract learning. It differs from other nonrelated approaches in that the unit of learning is extremely fine-grained. Rather than a course or a module, ever y individual skill/ learning outcome known as competency is one single unit. Learners work on one competency at a time which is likely a small component of a larger learning goal.

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Components are grouped into three – foundational skills, personal and social skills and constant knowledge. Under foundational skills are communication skills, critical and creative thinking, quantitative skills and digital fluency and information literacy. Under personal and social skills are personal effectiveness, ethics and social responsibility, and teamwork and collaboration. Under constant knowledge are business essentials and science, society and culture. The student is evaluated on the individual competency and only once they have mastered it do they move on to others. After that, higher or more complex competencies are learned to a degree of mastery and isolated from other topics. Another common component of competencybased learning is the ability to skip learning modules entirely if the learner can demonstrate they already have mastery. That can be done either through prior learning assessment or formative testing.

CAGAYAN DE ORO MAIN BRANCH P & J Lim Bldg., Tiano Brothers Kalambagohan Sts., Tel. # (08822) 727-829 * Telefax # (088) 856-1947 CAMIGUIN BRANCH B. Aranas St., Poblacion, Mambajao, Camiguin Tel. # (088) 387-0491 CORRALES BRANCH Corrales Ave., Cagayan de Oro City DIVISORIA BRANCH Atty. Erasmo B. Damasing Bldg., #61 Don A. Velez St., Cagayan de Oro City Tel. # (088) 857-3631 LAPASAN BRANCH Lapasan Hi-way, Cagayan de Oro City Tel. # (088) 231-6739 CARMEN BRANCH Vamenta Blvd., Cagayan de Oro City Tel. # (088) 231-2011

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Century Properties Group sets P25-B capex for 2016 to 2020 CENTURY Properties Group Inc. is earmarking PhP25 billion in capital spending for the next five years to boost mainly residential and

leasing assets. The announcement came after the company posted a 29-percent decline in profit to P1.53 billion last year

Voucher program for SHS extended By ARLYN P. BANGCONG Teacher III Kibatang National High School

PARENTS with children who are Grade 10 completers can still avail o f t h e g o v e r n m e n t ’s “voucher program.” This, as t he D epar tment of Education (DepEd) through the Private Education Assistance C ommittee (PEAC) has re-opened the voucher program for Grade 10 completers who want to pursue the Senior High School (SHS). According to the news posted on the website of the education department, the SHS Voucher Program is intended for completers of Grade 10 who would like to pursue SHS education in private schools, private universities and colleges, local or state universities an d c ol l e ge s of fe r i ng SHS and technical and

vocational institutions of fe r i ng SH S st ar t i ng School Year 2016-2017. It provides students with a subsidy that enables them to get a discount on the cost of tuition and other school fees for SHS, the report added. It said all applications must be done strictly online by accessing PEAC’s Online Voucher Application Portal (OVAP) at http://ovap. deped.gov.ph. Parents have until May 6, 2016 to apply. The start of the application is on April 22, 2016. Concerns and queries regarding the ESC and SHS Voucher programs can be directed to gastpe@deped. gov.ph or to the DepEd Action Center at (02) 6361663 or (02) 633-1942.

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from P2.16 billion in 2014 as revenues dropped to P10.38 billion from P12.76 billion. In 2015 alone, the company successfully turned over six residential towers. These projects have a total of 3,068 units, 234,000 square meters of gross floor area, and PhP15.20 billion in total sales value. “We remain positive about the property sector and believe that the steps we have undertaken will pave the way to achieving our future plans,” said Kristina Garcia, Century’s Director for Investor Relations. From 2016 through 2019, the company will deliver another 20 towers comprising of close to 10,300 residential and units and total sales value

of about P58.95 billion. These projects are 95 percent sold, confirming Century’s strong position in the market. By 2019, Century plans to have around 234,000 square meters of office and retail space for lease. Century in 2015 forged a strategic par tnership w it h l e a d i n g Jap a n e s e conglomerate Mitsubishi Corporation to develop the world’s first Forbes Media Office Tower in Century City Makati. Me a nw h i l e , p r o j e c t completions at the company’s six master-planned developments are on track Ne w h o u s i n g u n i t s continue to be built at Century’s Canyon Ranch Century/PAGE 10

NICKEL ASIA Corporation on Monday said it is infusing P2.1 billion into its renewable energy subsidiary to finance the latter’s projects. In a disclosure to the stock exchange, Nickel Asia said its board of directors approved the infusion of P660 million as additional equity contribution to Emerging Power, Inc. (EPI). The Nickel Asia board also gave the green light to extend a P1.5 billion, threeyear loan to EPI, where it has a 66% stake. “These funds, together with bank financing at the project company level, will complete EPI projects of 105 Megawatt (MW) lined up for 2016,” Nickel Asia said. E P I’s w h o l l y - ow n e d subsidiary Jobin-SQM, Inc. (JSI) has energized 7 MW of

T H E A L S ON S Powe r Group’s Sarangani Energy Corporation (SEC) announced on Monday the completion of key tests under the commissioning stage for the first 105 megawatt (MW) unit of its 210-MW base load coal-fired power plant and is now waiting for the certificate of compliance (COC) from t he Energ y Regu lator y Commission (ERC).

In a st ate me nt , t he company said it is now in the final stages of commissioning preparatory to the start of its $570-million plant’s commercia l op erat ions within this month. “We are confident, that the ERC will be able to issue the COC at the soonest time possible as we have already completed all the requirements. Any delay

in the start of commercial operations would be a gross disservice to the people who have long been waiting for an end to the power crisis,” Nicandro R. Fucoy, Alsons Power vice-president for project implementation and head of coal operations, was quoted in the statement as saying. “Once we commence commercial operations, SEC

solar power, and is scheduled to start trading this week. This is the first phase of its nearly P8 billion, 100 MW solar farm project, located at Subic Bay Freeport. The project is expected to be one of the country’s largest solar farms. J SI is t arge t i ng t he remaining balance of 93 MW to be completed within the year. Its renewable energy service contract also includes a 50 MW wind farm, which is slated to be developed in 2017. EPI is also using the fresh funds for the development of its first geothermal power plant under its subsidiary Biliran Geothermal, Inc. (BGI). The 5 MW plant has a total project cost of around P800 million. Nickel/PAGE 10

1 will be able to bring in 105 MW of power to key areas in Mindanao that will help put an end to the 6 year-old power shortage and provide substantial relief to the people who have been suffering from this dire situation,” Mr. Fucoy said. The Mindanao grid has been on thin reserves since 2010 with more than half alsons/PAGE 10

Alsons’ Sarangani coal plant awaits ERC go-signal

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Just a Spoonful Think a minute…In 1919, just after World War I, the cholera disease broke out all over Europe killing many thousands of people. The British government sent doctors all over the world to find a cure for cholera. These doctors later came back and said that the Chinese did not get cholera because they boiled their water before they used it. Soon all the radios and newspapers in England were telling everyone to boil their water before they drink it. They even sent this message to the Pacific Islands since they had British soldiers there. Yet later, they heard that the cholera disease had still broken out in the islands killing many thousands of Islanders. The British leaders questioned the people in the island villages and asked them if they were boiling their water? The Islanders answered yes, they definitely were boiling their water to drink. But this is how they did it. They boiled just a small amount of water and put it in a bottle. Then only once or twice a day, they would get the bottle and drink a small teaspoon of the boiled water, like taking medicine. Then they would put the bottle away again and the rest of the day they drank unboiled, dirty water. No wonder people still

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THINK

A Minute

Jhan Tiafau Hurst got cholera and died! Yet many of us do that with Jesus Christ. We don’t want to live Jesus’ way every day, so we go to church one day a week to feel better about ourselves. Then we go back to living our own way the other 6 days of the week. Or, if we’re not religious church people, we think that if we’re a good, kind person, then God will accept us into heaven after we die. But just like 1 teaspoon of clean water a day will not keep you healthy, only 1 day a week of living for Jesus Christ, or just trying to be a good person, is not even close to our Maker’s standard of pure goodness. The only kind of goodness God can live together with is perfect, pure goodness of all our thoughts, motives, words, and actions 24 hours a day, 7 days a week. Think a Minute…

Life’s Quintessence Almost 16 years ago, a good friend of mine gave me a book written by the Establisher and founder of the Scottish Free Church, Thomas Chalmers, who lived from 1780-1847. During this time, I resided already in the Philippines for go o d and d i d s ome marketing work in the former Bishop Thibault Media Center near the San Pablo Church in Juna Subdivision in Davao City, while writing a column for the Catholic Herald and hosting radio shows for the former DXGN 89.9 FM “Good News Radio”. Chalmers treated life’s quintessence with plenty flowering words. Yes, don’t be afraid and do live for something... ! Human beings live, move and have to pass away - free from worries, but unknown and unnoticed. They live such an irreproachable

life - reputable, but so i n c o mp r e h e n s i b l e a n d inscrutable. Chalmers was very right... . Why do people live like that even knowing they have to leave the platform of life one day? Why are people sometimes afraid to live and allow something or someone to block themselves? Still in my mind is one statement of Brother Francis Castro from the Little Brothers of Jesus. I quoted it several times already and it really became my life’s motto: “I feel the burning flame inside me that makes me jump out of the bed ... and hurry to work!” Life’s quintessence can be also this: Kindness, by helping the blind man crossing a street; hospitality, by practicing generous re c e pt i on of st r ange rs and guests (my very first impression, when I step on

Philippine soil in June 1976!); helpfulness, by taking care of somebody, who is weak and dependent... . Believe me: your moment of virtue will never be destroyed by time’s storm. Henri Nouwen, a devotional writer and speaker, whom I also admire very much, spent two hours daily bathing, shav ing , dressing , and feeding a man, who was so profoundly could not speak or walk. Very clear, in that daily act of loving, Nouwen exemplified the compassion and sacrifice of Christ. Love and mercifully actions shared with people, who cross our path - and nobody will forget us. In our daily life, we do have plenty of situations, where we could show our real calling. Good deeds are shining like stars from heaven. Deeds of love and service may not seem to be an efficient use of time

H ave M y Say

Klaus Doring

and energy, but they are never wasted. Our lifef doesn’t run clock-counter-wise. The clock’s hands are the time dictators of everyone. So: do live for something! +++ Email: dor ingklau s@ gmail.com, or follow me in Facebook or Twitter or visit www.germanexpatinthephilippines.blogspot.com or www. klausdoringsclassicalmusic. blogspot.com.

PNoy gets zero satisfaction rating LIFE’S INSPIRATIONS: “For lack of guidance a nation falls… My people, your guides lead you astray; they turn you from the path…” (Proverbs 11:14, Isaiah 3: 12, the Holy Bible). -ooo METRO MANILANS GIVE PNOY ZERO SATISFACTION RATING: D i d you s e e t he l ate st sur ve y resu lts rele as e d by t h e S o c i a l We at h e r Station (SWS) on President Aquino’s satisfaction rating culled from a nationwide poll conducted between March 30 to April 02, 2016? The resu lts are simply phenomenal because they showed that Aquino got “zero” satisfaction rating in Metro Manila, from a high of +32 for the same period last year. N o w, w h a t d o e s t h is me an ? T he “z e ro” satisfaction rating of Aquino in the National Capital Region reflects total rejection by Metro Manilans of anything that Aquino has said, has done, or is supporting, particularly in the presidential and vicepresidential elections on May 09 (please see http:// www.bomboradyo.com/… /147166-p-noy-satisfactionratin…). As far as I can recall, this “zero” satisfaction rating given by citizens of the National Capital Region to Aquino is the worst rating

ever given to any president of the Philippines. No other Philippine president has ever received such a “zero” rating in Metro Manila, including former President Arroyo who was even hounded by very serious graft and corruption accusations by her detractors. -ooo REASONS WHY PNOY GOT ZERO SATISFACTION RATING: Why did Metro Mani lans g ive a “zero” satisfaction rating to Aquino? The answer is not difficult to decipher, actually. First of all, almost all of them already know that Aquino is truly a nonp e r f o r m i n g p r e s i d e nt , who cannot boast of any accomplishment during his six-year presidency. What is worse is that, calamities and tragedies relentlessly struck our country during the whole time that Aquino was our leader. Second, crime and criminality soared to their highest levels from 2010 to 2016. In 2010, there were 324,083 crime incidents that were reported in the c ou nt r y. In 2 0 1 3 , t h i s figured nearly quadrupuled to more than a million crime incidents reported to the police, even if tampering of blotters to hide crime reports was unearthed in 2012. Then, pork barrel spending, as authorized

by the Aquino government, reached an all-time high of P20 billion a year since 2011, whereas pork barrel under the Arroyo government was only at P9 billion a year. Many believe that the big chunk of this P20 billion pork actually went to lawmakers who followed Aquino’s orders to oust then Chief Justice Renato Corona. -ooo SO ON, PNOY WILL A L S O Z E R O R AT I N G FROM WHOLE RP: But that was not all. Rampant smuggling flourished during all of Aquino’s term and according to the records of the International Monetary Fund, the value of smuggled go o ds in 2014 re ache d US$26.6 billion, or roughly P1.5 trillion, from only US$ 7.9 billion under Arroyo’s term. Smuggling killed all locally-grown or locally produced goods and crops, thereby making life more difficult for the farmers and the fisherfolk among u s . Ju e t e n g a n d o t h e r illegal numbers game which fleeced Filipinos of their hard-earned incomes proliferated, largely because t he f ig ht against t hes e illegal games was given to a buddy of Aquino and taken away from a known jueteng fighter, the late Jesse Robredo. There’s more, of course.

K akampi

Mo A ng Batas

Atty. Batas Mauricio But the point in all these is that, Metro Manilans are now very much aware of the true state of the nation under Aquino, what with their constant exposure now to social networking sites that freely publish accurate information of what is happening. I am sure it is not going to be long before Aquino gets a similar “zero” satisfaction rating from the whole country, not just from Metro Manila. -ooo PLEASE LISTEN: “Ang Tanging Daan” (The Sole Way): a Bible study and prayer session online could now be heard, 24 H O U R S a d ay, i n t h e Philippines and the world at w w w. f a c e b o o k . c om / angtangingdaan or www. facebook.com/ANDKNK (and look for “Ang Tanging Daan” broadcasts). Phone: 0922 833 43 96, 0918 574 0193, 0977 805 9058. Email: batasmauricio@yahoo.com.

One of the challenges in networking is everybody thinks it’s making cold calls to strangers. Actually, it’s the people who already have strong trust relationships with you, who know you’re dedicated, smart, a team player, who can help you. -- reid hoffman ,

entrepreneur

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Banking&Finance 5 PDIC takes over Surigao rural bank 2013 ppi’S Best in Business and Economic Reporting

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A RURAL bank in Surigao City has been taken over by the Philippine Deposit Insurance Corp. (PDIC) following a decision from the central bank to shut down the lender’s operations.

In a bulletin published on Mond ay, t he PDIC announced its takeover of the Surigao City Evergreen Rural Bank, Inc. effective April 15, following an order from the Monetary Board

HELLO 25 By Mary-an L. Sumo-oy

Teachers are encouraged to vary their strategies inside and outside the classroom to cater the needs of their learners. Most of the teachers are complaining about the reading readiness of their learners. Most of the time learners can read but cannot comprehend or worst cannot read at all w hich redound to poor learning. Here are the twenty-five of the best Effective Oral Reading Strategies and the Skills they help to Develop. This will help the teacher and the learners to attain fluency in reading and developed comprehension. (Opitz and Rasinski,1998) D e v e l o p i n g comprehension includes: T h i n k A l ou d ; Indu c e Imagery; Directed Listening Thinking Activity; Look for the Signals; Say It Like the Character; Rapid Retrieval of Information and Revised

R adio Reading. For Sharing and Performing: Shared Book Experience; Choral Reading; Mentor Reading; Readers Theatre; Read Around and Poetry C lu b. For St r u g g l i n g R e a d e rs : R e a d A l ou d Paired Reading Recorded Text; Listen to Children Read; Fluency Developing Lessons; Modified Miscue Analysis; Retrospective Miscue Analysis; Student Self-evaluation; Multidimensional Fluency Scale; Reading Rate and Fast Start. These 25 strategies will surely developed the learners’ Positive attitude, Reading Comprehension, Listening Comprehension, Vo c a b u l a r y, Us e s o f Language Cues, Predicting, Forming Images, Using Prior Knowledge, Monitoring, Inferring, Expression, Fluency, Phrasing and Skimming in reading.

of the Bangko Sentral ng Pilipinas (BSP). The rural bank has one branch in the Surigao del Norte and is led by president and chairperson Bienvenido C. Ilano, a check with BSP records showed. As the regulator of the country’s banking system, the BSP can order the closure of problem banks especially if found without enough liquid assets to cover its liabilities or have turned incapable of sustaining its operations. As practiced, the PDIC is assigned as the receiver, who will assume the bank’s assets and liabilities to its depositors. All bank deposits are insured to a maximum of P500,000, as provided by

HON. ROLANDO “NONOY” P. LAVIÑA City Vice Mayor Valencia City, Bukidnon

January are the Rural Bank of Malinao, Inc. in Aklan; Rural Bank of Panay, Inc. in Capiz; Koronadal Rural Bank, Inc. in South Cotabato; Rural Bank of Basay, Inc. and the Rural Bank of Bayawan, Inc. in Negros Oriental; the Lapu-Lapu Rural Bank, Inc. in Carcar, Cebu; and the Rural Bank of Villaviciosa, Inc. in Abra. The central bank shut down 14 rural banks in 2015. The PDIC is currently pro ce ssi ng t he me rge r applications filed by two groups of provincial banks under the government’s Consolidation Program for Rural Banks, which aims to strengthen their financial viability and cut down the number of problem banks.

Under guidelines released last December, a group of at least five rural banks located in one area may opt to consolidate to allow them to have stronger buffers given combined capital and assets. The consolidated banks must end up with a surviving entity with a risk-based capital adequacy ratio of at least 12% and a combined unimpaired capital of at least P100 million. The banks may infuse fresh capital to meet the requirement or tap the equity investment facility of the Land Bank of the Philippines for a funding aid. Regulators are eyeing to come up with a decision on the proposed mergers before the year ends.

Loyola Plans’ assets could cover trust fund deficiency THE Insurance Commissioner assured that pre-need firm Loyola Plans can meet its obligations with its policyholders once some of its assets are sold. In a briefing, Insurance Commissioner Emmanuel F. Dooc said that Loyola Plans has “more than enough” non-cash assets, such as real estate properties, to help the pre-need company rebuild its depleted trust fund. However, Dooc admitted

“MAAYAD HU AMULAMUL DINI TA BUKIDNON” HAPPY KAAMULAN 2016

from:

law. “[U]pon takeover of the Bank by PDIC as Receiver, all officers and employees of the Bank cease to have any authority to act for and in behalf of the Bank in whatever capacity,” the bulletin read, as issued by Ma. Ana Carmela L. Villegas, executive vice president and officer-in-charge of the PDIC’s receivership and liquidation sector. The PDIC has 90 days to assess whether the bank can still be rehabilitated to eventually go back to business, subject to the approval of the central bank. The Surigao bank is the eighth rural lender to be shuttered this year. Others ordered closed since

This Celebration, KAAMULAN, is a tradition that is both unique and revered in our community. It is a day of sharing one’s blessing and good fortune especially among the “SEVEN HILL TRIBES OF BUKIDNON’.

that it would take sometime before Loyola Plans could replenish and fully comply with its minimum trust fund requirement of P1.8 billion. “What we have done now is asked them to surrender to us the transfer certificate of titles (TCTs) of these real estate. Every time it was sold then we release the TCTs in favor of the buyer,” Dooc said. “Proceeds from the sale will be used to rebuild its trust fund.”

In a f iling with the Insurance Commission dated April 14, 2016, Loyola Plans reported that its trust fund deficiency stood at P238.31 million, but the pre-need firm claimed its has P93.37 million in liquid assets to partially fund the deficit. For this reason, Dooc said Loyola Plans would only need to raise at least P144.94 million from the sale of non-cash properties to fully fund the deficiency

in trust fund. “Loyola Plans has the capacity to meet its obligations wit h t he p olic y holders because the company has more than enough assets. The only problem is that these assets are not liquid, most of them are in real estate properties,” the commissioner said. According to Loyola Plans, the company has non-cash assets worth P1.87 billion loyola/PAGE 10

“KAAMULAN symbolizes the breakthrough of their long quest for meaning and identity and signifies a gathering for a cause. They dance together, perform ancient rituals and compete in indigenous sport” Padayon Paglambo Bukidnon.

“LIKO KAW DAW PANUMBLAY DANI!!! MABUHAY BUKIDNON” from:

Hon. Azucena P. Huervas City Mayor Valencia City, Bukidnon

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READ TO LEARN

‘Mentoring the mentors’ to boost reading mission CALL it mentoring the mentors, a refreshing and intensive approach for effective teaching in reading. This was how the teacherparticipants, including the school administrators from Villanueva and Tagoloan towns bill a two-day trainingseminar on beginning reading initiated by FDC Misamis Power Corporation (FDC Misamis), in partnership with Ronald McDonald House Charities (RMHC) Philippines and the Department of Education (DepEd), held at the Mindanao University of Science and Technology (MUST) in Cagayan de Oro City recently. To g e t h e r w i t h t h e Tagoloan district supervisor, 37 principals and Grade 1 teachers participated in the Ronald McDonald Read To Learn (RMRL), a flagship program of RMHC, designed to address the problem on nonreaders among Grade 1 pupils all over the country. RMRL is in response to DepEd’s study that four out of the ten first graders in public schools finish the level as non-readers. RMHC is McDonald’s Corporation’s charity of choice established in the Philippines. Sharing RMHC’s passion to make a difference in the lives of Filipino children, FDC

Misamis adopted RMRL for the benefit of Villanueva and Tagoloan teachers and kids, where it is completing the construction of its power plant project scheduled for operations within the year. FDC Misamis, a member of the Gotianun–led Filinvest Development Corporation, believes that the best seed to sow on solid ground is that on education. ANSWER TO FRUSTRATIONS “Truly an answer to our frustrations in our quest to have zero non-readers in our school every end of school year,” was how attendee Gladys Banac, principal of Sta. Ana Elementary School in Tagoloan, illustrated the RMRL. She added, “I think this is not just for Grade 1 but also for higher grade levels or from Grade IV and Grade VI because we still have quite a number of non-readers in these grades every end of school year.” “And, having always these slow and non-readers in every grade is quite alarming. So, thanks to RMRL for providing our teachers new strategies on how to attack the problem on slow and non-readers.” It could be one of the factors to attaining quality

kids with quality education in Tagoloan and Villanueva, the lady principal hoped. PAINFUL, UPHILL CHALLENGE But Titus Cruz, Head Teacher III of Dayawan Elementary School, a kilometer away from Villanueva’s town poblacion, has a different perspective about the problem on non-readers. “Teaching kids how to read and understand what they’re reading is really a tall challenge to all Grade 1 teachers.” Cruz, also a participant in the training, quipped: “Well, nice to have this ‘unique’ kind of teachers’ training that will equip our Grade 1 teachers new techniques and approaches to further intensify their passion in teaching reading.” He expressed his “lamentation” over a dilemma on non-readers. Cruz said that, most of the time, teachers are blamed for having non-readers in their respective classes. “And this is “painful” on the part of our teachers whom we believe are doing their very best in teaching kids,” he stressed. “Because no matter how good the teachers in teaching reading, still they have to fight two giant enemies before

Read To Learn. FDC Misamis Power Corporation, in partnership with Ronald McDonald House Charities (RMHC) Philippines and the Department of Education (DepEd), conduct a two-day training seminar on beginning reading held at the Mindanao University of Science and Technology (MUST) recently. Participated in by 38 teachers and school administrators from Villanueva and Tagoloan towns in Misamis Oriental, this initiative from FDC Misamis is part of its CSR program on education for empowerment. Bottom photo shows the participantsduring one of the seminar workshops. FDC Misamis 405-MW CFB coal thermal plant is scheduled for commercial operations within the year.

attaining a perfect 100 percent readers in their class.” And these two enemies, he said, are both the economic standing and educational background of the parents. Kids coming from poor families tend to be absent in their classes to prioritize helping their parents in their daily grind, he explained, adding, “So, reading for them is nothing!” There are also parents who fail to mentor their kids at home, thus relying on the teachers to educate or better their kids’ future, emphasized Cruz. These kinds of dilemma, therefore, directly or indirectly affect the reading capability of some, if not the majority, of the public school pupils in Villanueva, Cruz related. He believed that these problems must be addressed not only by the school but perhaps by the government. If not, the goal to attaining 100 percent readers in class, especially in Grade 1, would remain an “uphill challenge” among Grade 1 teachers. “But still we have no choice but to abide by the order of

DepEd to have zero nonreaders every end of school year. Therefore, we need to institute interventions, and holding of remedial classes in reading is one among those.” Cruz expresses gratefulness to private entities like FDC Misamis and RMHC “for having initiatives in mentoring the mentors on new strategies and techniques in teaching reading.” BIG BOOKS THAT ENCOURAGE READING For Grade 1 teacher Daisy Mar Balendres of TambobongBalacanas Integrated School (TBIS) in Villanueva, the big reading books given after the RMRL training will make her teaching methods more effective this coming school year. “I can now imagine myself teaching in the midst of interested pupils who are eager to learn and read because of the big books given to us.” This, as she noted that lack of reading materials, especially the giant and colorful books, can lead to a “dull” class. “But having now these big books, for sure, my pupils will be attracted to learn reading.”

RMRL kits, composed of 34 big books, pupils’ worksheets and teachers’ lesson plans, are distributed to participating schools as part of the program. The books that are included in the kit are developed in partnership with Adarna House. ENHANCED TEACHING ABILITIES Meanwhile, Dr. Edna Albaran, District-In Charge of DepEdTagoloan, foresees to have a throng of Tagoloan teachers having enhanced teaching abilities in reading in their district soon. The RMRL, she said, was so helpful to them, especially in equipping teachers with the new strategies and techniques in teaching reading. Albaran hoped RMRL participants will apply what they have learned while Banac wished for the sustainability of the program. Both FDC Misamis and RMHC vowed to do constant monitoring and followthroughs on the program implementation to help ensure that DepEd does achieve its goal of zero non-readers in the country.

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Gov. Emano welcomes new PNP 10 chief

isamis Oriental Gov. Bambi Emano welcomes new regional director of Philippine National Police Region 10, Police Chief Supt. Jose L. Gentiles who took over the regional command from Police Chief Supt. Lyndel Desquitado in ceremonies held yesterday at Cmp Alagar.

"It is my pleasure to welcome Chief Supt. Gerntiles and I look forward to working with him in our desire for peace and order in our community," Gov. Emano said. He gave a good chance for the new PNP regional dire c tor to succe e d in his peace efforts, more

particularly in the coming elections, considering that Chief Supt. Gentiles is from this place. "He knows the terrain, so too speak. And he also understands the culture of

our people, a trait that works in his favor," Gov. Emano said. The Governor hopes that PC Supt. Gentiles would concentrate his efforts in bringing about a clean and

honest elections. "Due to the proximity of the date of the elections and the open refusal of some candidates to sign a peace covenant, an election activity designed by thr PNP; it is

therefore safe to presume that those who did not sign that peace covenant must have some sinister plans at the back of there heads," the Governor said. (PIO/MisOr. jv)

The Want and the Love of Money By Amy Joy O. Boyles

Money…! Money …! Money …! in a rich man’s world… as a line from an old song goes. Why is this so? Why do we always crave for money? No doubt we are living in a very materialistic world that anywhere we go and whatever we do, we need money. I think everyone in this world needs money even a helpless baby who knows nothing in this world needs money. Some people blamed also themselves for not having have done this… or attained that … because of lack of money, the culprit is money. The use of currency started after the barter system traders find it easy to use money in exchange for their goods. It is used for man’s convenience and for the common good. But it causes for man to have suffering because of the lack of it. People

worked hard just or do anything they can just to earn it. If we look around criminals have committed crimes because of the want and need for it. Man have become evil because of the want and the love for it. In I Timothy: 10 “For the love of money is the source of all evil. Some have been so eager to have it that they have wandered away from the faith and have broken their hearts with many sorrows.” So it’s better not to have it than to have it and become evil. Perhaps it is not money which is evil but how it is earned and how it is used. If we use it for good then it is good but if we use for evil then it would become evil. So if you want to be happy live simply. As Mother Teresa have said “live simple so others may simply live.”

POLITICAL ADVERTISEMENT PAID FOR BY BANS GUALBERTO, CAMELLA HOMES, CDO

On the occasion of KAAMULAN 2016, we may not forget our rich cultural blessings, let us recognize our indigenous brothers and sisters as partners in making what it is today.

MAAYAD HA PAG-UMA DINI TA BUKIDNON!!! HAPPY KAAMULAN 2016

from:

HON.GODOFREDO I. BALANSAG Municipal Mayor Lantapan, Bukidnon

For Kagawad 1st District, Cagayan de Oro City

Paid for by The Fraternal Order of Eagles - Philippine Eagles NMR1

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Century... from page 3

in Carmona, Cavite. On site ground works continue at The Residences at Azure North in San Fernando, Pampanga in preparation for land development and the subsequent construction of its first two towers. (PNA)

Nickel... from page 3

“We have gained a lot of momentum in the past year especially in our Subic project and also in the other areas. EPI is determined to develop all of these clean energy projects in the soonest possible time,” Gerard H. Brimo, Nickel Asia president

and CEO, was quoted in a statement as saying. In 2015, Nickel Asia’s attributable net income plunged 76% to P2.04 billion in 2015 due to the continued decline in global nickel prices.

Alsons...

from page 3 of total supply dependent on the two government-run hydropower plants in Agus and Pulangi. The tight power situation has been exacerbated by the pre vailing El Niño phenomenon with water levels at both hydropower sources at critical levels. As o f Mo n d ay, t h e National Grid Corporation of the Philippine’s power

Keeping the fervent love and respect in our hearts to the various and unique customs and traditions of the different people of Bukidnon. We the local governement unit of KITAOTAO, BUKIDNON, employees and staff are joining the 7 hill tribes and the entire populace of the province in celelbrating the most glamorous and joyous Kaamulan 2016..

outlook indicated a reserve of only 8 MW for Mindanao with peak demand at 1,459 MW. SEC’s total 210-MW capacity is already fully contracted. The first 105-MW unit will provide supply to Sarangani, Compostela Valley, Agusan del Norte, and Agusan del Sur; the cities of General Santos, Iligan, Bayugan, Butuan, Samal, and Tagum as well as key municipalities in Davao del Norte and South Cotabato to be served. When the SEC plant’s entire 210-MW capacity becomes operational by 2018, its coverage area will include the whole province of South Cotabato, parts of

the provinces of Davao del Sur, Zamboanga del Norte and Zamboanga del Sur, and key areas in Misamis Oriental and North Cotabato. Major population centers that will be supplied include the cities of Cagayan de Oro, Dapitan, Digos, Dipolog, Koronadal, Kidapawan and Pagadian.

Loyola... from page 5

as of end-2014, or nearly 12-times more than its net trust fund deficiency of P144.94 million. “We hope Loyola Plans could fully replenish is trust fund through assets sale before end of the year,” the insurance commissioner said.

MAAYAD HA PAGUMA DINI TA BUKIDNON!!! HAPPY KAAMULAN 2016!

Based on Loyola Plans’ filling with the regulator, the pre-need firm’s trust fund deficiency in pension insurance products stood at P120.65 million, while P67.8 million in life products and P50.86 million in educational fund. Meanwhile, Dooc said that Loyola Plans will pay more the 95 policyholders who have already filed complaints with the i n s u r a n c e c om m i s s i on against the pre-need firm starting today. “Those who have already filed their complaints with the commission, we will start releasing their checks on Tuesday [today]. We’ve validated their claims, and

it totalled P4 million,” Dooc said. Amid this another controversy hounding the pre-ne e d indust r y, t he insurance chief clarified that the country’s insurance industry is strong and foreign investors are still keen to invest in the Philippines. Dooc also added that the government is working hard to protect the interest of all policyholders and keep the utmost integrity of the country’s insurance sector. “When I took office in 2010, there were more than 120 insurance companies in the Philippines. Now, there are about 97 companies in existence, of which, 31 life and 66 non-life,” Dooc said.

Publication Notice R.A. 10172 Notice to the Public In Compliance with the publication requirement and pursuant to OCRG Memorandum Circular No. 2013-1. Guidelines in the Implmentation of the Administrative Order No. 1 Series of 2012 (IRR on R.A. 10172). Notice is hereby serving to the public that ROBEGEL PALACIO OLING has filed with this Office, a petition for correction of entry in her GENDER/SEX from “MALE” to “FEMALE” in the certificate of live birth of ROBEGEL PALACIO OLING, born on April 17, 1995 at Lorenzo Tan, Tangub City, and whose parents are ROGELIO SARSALEJO OLING and BEATRIZ ATIS PALACIO. Any person adversely affected by said April 25, 2016.

(SGD.) BELEN F. LINGANAY City Civil Registrar

BWM: April 13 & 20, 2016

Republic of the Philippines SUPREME COURT REGIONAL TRIAL COURT 12TH Judicial Region Branch 11 Malabang, Lanao del Sur IN RE: PETITION FOR CORRECTION ENTRY IN THE CERTIFICATE OF LIVE BIRTH OF MOSHIN BALINDONG GAMPONG WITH REGISTRY NO. 94445

SPEC.PROC. NO. 2016-0063 -for-

MOSHIN BALINDONG GAMPONG Petitioner, “CORRECTION OF ENTRY” -versusTHE LOCAL CIVIL REGISTRAR OF MALABANG, LANAO DEL SUR Respondent.

X - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -/ ORDER

from:

HON. LORENZO GAWILAN JR. Municipal Mayor Kitaotao, Bukidnon

The petitioner filed the instant petition to correct his date of birth from July 5, 1976 to May 24, 1985 and finding the petition sufficient in form and substance, it is set for hearing on May 23, 2016 at 8:30 o’clock in the morning at Hall of Justice, Malabang, Lanao del Sur and everyone interested in the petition should appear and show cause, if any, why the petition should not be granted. The petitioner must publish this order in a newspaper of general circulation in Lanao del Sur once a week for three (3) consecutive weeks. Let copies be furnished the petitioner, his counsel, the respondent and the Office of the Solicitor General. Petitioner is required to furnish the latter with copy with annexes of his petition. SO ORDERED. Malabang, Lanao del Sur, April 6, 2016

(Sgd.) RASAD G. BALINDONG Acting Presiding Judge

BWM: April 13 & 20, 2016

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Challenge... from page 1

sure to enhance the conditional cash transfer program so that income of the poor would continue growing faster. “Our conditional cash transfer program is the largest in the world and is effectively targeted. Let’s not lose that,” he said. Romeo M. Montenegro, MinDA Investment Promotion and Public Affairs director, said the agency is aiming to put together recommendations, concrete actions and commitments that will be submitted as part of the overall Mindanao agenda. “This is actually what we want to do in cascading information and generating consensus and inputs for us to have a collective agenda to present to the next administration,” said Mr. Montenegro. In his presentation, Mr. Montenegro highlighted Mindanao’s role in the national economy and its potential for a “new narrative” in the context of the Association of Southeast Asian Nations’ (ASEAN) economic integration. Mindanao, as one of the focus areas alongside Palawan within the Brunei-Indonesia-MalaysiaPhilippines (BIMP) sub-regional grouping, could serve as the “test bed for ASEAN agreements and protocols,” he said. The BIMP-East ASEAN Growth Area could also be the building block towards the ASEAN integration, he added. The output of the forum will serve as the private sector’s input to the next government’s six-year Mindanao Development Plan. It will also be used as the D EE D O F E X T R A JUDICIAL SETTLEMENT OF MANULIFE FINANCIAL C O R P O R AT I O N (MANULIFE) SHARES OF FELIPE DAHINO VALDEHUEZA Notice is hereby given that the intestate estate of the Late FELIPE DAHINO VALDEHUEZA died on June 25, 2013, left 2 parcels of Residential House and Lot situated in Agusan and Carmen, Cagayan de Oro City and covered by their respective TCT’s and which parcels of land are more particularly described as follows: A. TCT NO. T-35786 Lot 11-A, Psd-10-003980, being a portion of Lot 11, Pcs-10-000028), situated in the Barrio of Agusan, City of Cagayan de Oro, Island of Mindanao. Containing an area of ONE THOUSAND SEVENTY TWO (1,072) SQUARE METERS: B. TCT NO. T-122691 Lot 2, Block 6, of the Subd. Plan, Psd-10-024063, being a portion of Lot 3047-B-1, Psd-10-022552), situated in Barangay Carmen, City of Cagayan de Oro, Island of Mindanao. Containing an area of ONE HUNDRED FORTY SIX (146) SQUARE METERS more or less are the subject of DEED OF EXTRA-JUDICIAL S ETT L E M ENT OF MANULIFE FINANCIAL C O R P O R AT I O N (MANULIFE) SHARES OF FELIPE DAHINO VA L D EH U E Z A U n d e r N o t a r y P u b l i c o f A t t y. B U E N AV E N T U R A E . SAGRADO per Doc, No. 10; Page No. 2; Book No. 109; Series of 2015 BWM: Apr. 13 & 20, 27 2016

initial input of the PCCI’s six-year Mindanao business agenda that will also serve as a blueprint on how the business sector can help in achieving an integrated socio-economic development in the southern island. --OPOL, Mis Or -- A P500-million private investment for the bulk water supply project of Opol, Miamis Oriental will groundbreak today at its site in Lumayagan River, Barangay Tingalan, Opol, Misamis Oriental. The groundbreaking ceremony will be led by project proponent AB Bulk Water Company Inc. headed by Dr. Walter Brown and Robertino Pizarro, chairman and president, respectively. The project is said to be the flagship project of town mayor Max Seno. The bulk water project is expected to benefit some 25,000 residents of Opol and will be carried out under the PrivatePublic Partnership (PPP). The PPP is powered by Municipal Ordinance No. 2014-15, passed and approved unanimously by Opol Municipal Council presided by Vice Mayor Thatsie Ortigosa on August 4, 2014. Late last year, AB Bulk Water Company, Inc., a subsidiary of A Brown Company, Inc has signed a memorandum of agreement (MOA) with the local government of Opol for the implementation of the town’s bulk water project. The bulk water supply project has already done a detailed feasibility study for the construction of the 20-kilometer pipeline from the water source in Lumayagan River located in barangay Tingalan toward Opol poblacion.

On top of the FS study, the project has also obtained water rights, the Environment Compliance Certificate (ECC), and the Comprehensive Development Management Plan (CDMP) from DENR for the development of 136-hectare watershed for the bulk water project. The company would employ the “membrane technology” where the water that would reach every household in Opol is guaranteed potable equivalent to the commercially-produced mineral water. The “membrane technology” is a very precise water treatment that even the water molecules could be controlled. The project also provides top-of-the line facilities where the bulk water supply is guaranteed to last up to 25 years as stipulated in the contract. The landmark event will be attended by municipal officials of Opol led by Mayor Seno, Vice Mayor Thatsie Ortigosa, members of the Sangguniang Bayan of Opol and Congresswoman Juliette Uy of the Ist Disrict of Mis Or. Also on hand to grace the special event are barangay officials from Opol Poblacion, Awang, Bagocboc and host barangay Tingalan.

Water...

from page 1 government of Opol for the implementation of the town’s bulk water project. The bulk water supply project has already done a detailed feasibility study for the construction of the 20-kilometer pipeline from the water source in Lumayagan River located in barangay Tingalan toward Opol poblacion. On top of the FS study, the project has also obtained water rights, the Environment Compliance Certificate (ECC), and the Comprehensive

from page 1 city affected by the dry spell. But for the past two months, councilors said that City Hall failed to complete their documentation so they could declare a state of calamity. Yet there’s a glimmer of hope for these beleaguered farmers. Ms. Conde said they will also provide assistance to other

OFFICE OF THE PROVINCIAL SHERIFF AMENDED NOTICE OF EXTRAJUDICIAL SALE File No. 2016-106 “Upon extrajudicial petition for sale under Act No. 3135 as amended by Act No. 4118, filed by BDO UNIBANK, INC. (formerly BANCO DE ORO UNIBANK INC.) against SPS. RONALDSON T. CABANA AND LEA A. CABANA to satisfy the mortgage indebtedness which as of January 21, 2016 amounts to One Million Three Hundred Thirty One Thousand Eight Hundred Forty Two pesos and 65/100 (Php 1,331,842.65), consisting of principal past due interest, penalties and other charges, and other incidental expenses, the undersigned will sell at public auction on May 11, 2016 at 10:00 A.M. to 4:00 P.M. at the Regional Trial Court, Office of the Clerk of Court, City Tourism Hall, City Hall Compound, Cagayan de Oro City to the highest bidder, for cash or manager’s check and in Philippine Currency, the following property described below including all existing improvements found thereon, to wit: Transfer Certificate of Title No. 137-2013003960 “LOT 20, BLOCK 32, PSD-10-060565 PORTION OF: BLOCK-10, PSD-10-042845 AS SURVEYED FOR: FIRST LAPU-LAPU PROPERTIES & HOLDINGS COPRORATION (LESSANDRA SUBDIVISION) LAND USE: RESIDENTIAL LOCATION: LUMBIA, CAGAYAN DE ORO CITY, registered in the name of SPS. RONALDSON T. CABANA & LEA A. CABANA , containing an area of SEVENTY ONE (71) SQUARE METERS more or less.” All sealed bids must be submitted to the undersigned on the above stated time and date. In the event auction sale cannot take place for whatever legal reason, the same will proceed on the following working day, without further notice, posting and publication. Prospective buyer may investigate for themselves the title herein-above described and encumbrances thereon, if any there be. Cagayan de Oro City, April 8, 2016 FOR THE EX-OFFICO PROVINCIAL SHERIFF BY:

Development Management Plan (CDMP) from DENR for the development of 136-hectare watershed for the bulk water project. The company would employ the “membrane technology” where the water that would reach every household in Opol is guaranteed potable equivalent to the commerciallyproduced mineral water. The “membrane technology” is a very precise water treatment that even the water molecules could be controlled. The project also provides top-of-the line facilities where the bulk water supply is guaranteed to last up to 25 years as stipulated in the contract. The landmark event will be attended by municipal officials of Opol led by Mayor Seno, Vice Mayor Thatsie Ortigosa, members of the Sangguniang Bayan of Opol and Congresswoman Juliette Uy of the Ist Disrict of Mis Or. Also on hand to grace the special event are barangay officials from Opol Poblacion, Awang, Bagocboc and host barangay Tingalan.

Republic of the Philippines Regional Trial Court of Misamis Oriental 10th Judicial Region Branch-20 Cagayan de Oro City

Assistance...

Republic of the Philippines REGIONAL TRIAL COURT OF MISAMIS ORIENTAL 10th Judicial Region Cagayan de Oro City

farmers who are not living in calamity-declared areas provided that DSWD must first conduct a validation. In a press conference yesterday, she said that the department is scheduled to distribute rice to 13,292 farming families in Bukidnon on April 19 to 29. Ms. Conde said they have tapped non-government organizations to do the actual distribution so they could not violate the election ban.

HOME DEVELOPMENT MUTUAL FUND (PAG-IBIG), Petitioner/Mortgagee, -versus-

EJF FILE NO. 2016-077

MARIGOLD O. SANCHEZ married to GREGORIO E. SANCHEZ, JR.,. Respondent/Mortgagor.

x---------------------------------------------------/

OFFICE OF THE PROVINCIAL SHERIFF NOTICE OF EXTRA-JUDICIAL FORECLOSURE EJF FILE NO. 2016-077 Upon extra-judicial for sale under Act No. 3135 as amended by Act No. 4118, filed by HOME DEVELOPMENT MUTUAL FUND (PAG-IBIG), a corporation duly organized and existing under Philippine Laws, with principal office address at The Atrium of Makati, Makati Ave., Makati City. Against MARIGOLD O. SANCHEZ married to GREGORIO E. SANCHEZ, JR., both of legal ages, Filipino, with postal address at 048 Vicmar Compound, Ilaya, Carmen, Cagayan de Oro City, to satisfy the mortgage indebtedness which as of February 29, 2016, amounted to TWO HUNDRED ELEVEN THOUSAND SIX HUNDRED FIFTEEN & 75/100 PESOS (Php 211,615.75), Philippine currency, exclusive of interest and penalty charges, attorney’s fees and expenses of foreclosure, the undersigned or duly authorized deputy will sell at Public Auction on May 11, 2016, at 10:00 a.m or soon thereafter at the main entrance of the Tourism Hall Building, at City Hall of Cagayan de Oro City to the highest bidder, for CASH or Manager’s Check in the Philippine Currency, the following property/ies described below with all the improvements included thereon to wit: TRANSFER CERTIFICATE OF TITLE NO. T-2070087 “A PARCEL OF LAND with all IMPROVEMENTS THEREON (LOT: Lot 20, Block 13, PSD-10-042689, Portion of LOT: Lot 1, Blk 32, Psd-10-03932; As surveyed for: PUEBLO DE ORO DEVELOPMENT CORP., San Augustin Valley Homes 2 Location: Canotoan, Cagayan de Oro City. Xxx Registered in the name of MARIGOLD O. SANCHEZ married to GREGORIO E. SANCHEZ . Containing an area of FIFTY FOUR (54) SQ.M. more or less. TRANSFER CERTIFICATE OF TITLE NO. T-207008 “A PRCEL OF LAND with all IMPROVEMENTS THEREON (LOT: Lot 22, Block 13, PSD-10-042689, Portion of LOT: Lot 1, Blk 37, Psd-10-039732; As surveyed for: PUEBLO DE ORO DEVELOPMENT CORP., San Agustin Valley Homes 2 Location: Canotoan, Cagayan de Oro City. Xxx Registered in the name of MARIGOLD O. SANCHEZ married to GREGORIO E. SANCHEZ. Containing an area of FIFTY FOUR (54) SQ.M. more or less. All sealed bids must be submitted to the undersigned on the above-stated time and date. In the event Auction Sale cannot take place for whatever legal reason, the same will proceed on the following working day, without further notice, posting and publication. Prospective buyers may investigate for themselves the title herein above-described encumbrances thereon, if any there be. Done this 30th day of March 2016, at Cagayan de Oro City Philippines. (Sgd.) CELESTIAL VENUS G. GELBOLINGO Sheriff IV

(Sgd.) AL PONCIANO R. DATU Sheriff IV

BWM: Apr. 13, 20 & 27, 2016

2014 ppi’S Best in ENVIRONMENTAL Reporting

Pantawid... from page 2

The Pantawid Pamilya is a human development measure of the national government that provides conditional cash grants to the poorest of the poor, to improve the health, nutrition, and the education of children aged 0-18. It is patterned after the conditional cash transfer (CCT) schemes in Latin American and African countries, which have lifted millions of people around the world from poverty. (RTP/ PIA10)

D EE D O F E X T R A JUDICIAL SETTLEMENT OF MANULIFE FINANCIAL C O R P O R AT I O N (MANULIFE) SHARES OF FELIPE DAHINO VALDEHUEZA A. Notice is hereby given that the intestate estate of the Late FELIPE DAHINO VALDEHUEZA died on June 25, 2013, left FIVE HUNDRED T H I R T Y- S I X ( 5 3 6 ) MANULIFE FINANCIAL CORPORATION (Manulife) Shares (268 shares)issued on September 30,1999 and another 268 share issued on June 2, 2016);WHEREAS: Z EN A I D A CH A N VALDEHUEZA of legal age, Filipino, wife and a widow of Felipe Dahino Valdehueza and a resident of Estakahan Agusan; ODETTE LEH VALDEHUEZA CARAGOS of legal age, Filipino, married, and a resident of Bloomingdale, Iponan; M A A N VA L D EH U E Z A COLLADO of legal age, Filipino, single, and a resident of Estakahan A g u s a n ; N O R I FA I TH VALDEHUEZA EGANO, of legal age, Filipino, married, and a resident of Estakahan, Agusan and PHILIPE JOSE CHAN VALDEHUEZA II, of legal age, Filipino, single, and a resident of Estakahan, Agusan, Cagayan de Oro City are the exclusive and only heirs or compulsory heirs of FELIPE DAHINO VALDEHUEZA and they hereby agree to adjudicate to and among themselves, as they have adjudicated to themselves the above described MANULIFE SHARES in accordance with Section 1 Rule 74 of the 1997 Revised Rules of Court of the Philippines. The compulsory heirs hereby agreed that the said 536 Manulife Shares, shall be assigned, ceded, and given exclusively to ZENAIDA CHAN VALDEHUEZA; is the subject of DEED OF EXTRAJUDICIAL SETTLEMENT OF MANULIFE FINANCIAL C O R P O R AT I O N (MANULIFE) SHARES OF FELIPE DAHINO VA L D EH U E Z A U n d e r N o t a r y P u b l i c o f A t t y. B U E N AV E N T U R A E . SAGRADO per Doc, No. 437; Page No. 88; Book No. 108; Series of 2015 BWM: Apr. 13 & 20, 27 2016

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Driven to Excel “The all-new Ciaz”

wednesday | april 20, 2016

Motoring Editor: GILBERT Y. CHAO

Photos by Kit Elton Pilla

Rolling in style just got more comfortable and fuel-efficient, as Suzuki Philippines officially launches the muchawaited Suzuki Ciaz, a sub-compact sedan ideal for the sensible Asian market. The Ciaz comes in three model variants: the GL Manual Transmission, GL Automatic Transmission, and the premium GLX. Prior the official launch, select members of the motoring media experienced next-level comfort and driving with Suzuki’s newest innovation via a “pre-launch” 235-km roundtrip drive to and from Anilao, Batangas. The participants experienced first-hand the automotive innovations of the Ciaz through the test drive, with stopovers at the Suzuki Auto Sucat, Total Service Station Sucat, Nuvali, Tagaytay, and the Aiyanar Beach and Dive Resort in Batangas. This test drive showcased the capabilities of the Ciaz in handling stop-and-go traffic, highway driving stability, mountain pass handling and passenger comfort. Ciaz is more than a snazzy name for a sleek new sub-compact: it stands for “City from A to Z,” capturing the essence of Asia’s fast-growing metropolitan landscape. The latest addition to Suzuki’s stable of reliable vehicles, the Ciaz is packed with bestin-class fuel efficiency and other advanced features coupled with a sporty,

elegant exterior design and redefined interiors. The new Ciaz is made for those who are driven to excel. It is developed as an “authentic sedan” which combines a roomy comfortable cabin and a great driving performance with excellent fuel efficiency. All of this comes with a stylish design that will inspire pride of ownership. Best-in-class fuel efficiency With recent unpredictable fluctuations in gas prices, the typical Filipino driver in the market for a new car is always on the lookout for a model that promises impressive fuel economy. One of the features contributing to the Ciaz’s impressive performance is the integration of transmission technology used in the Suzuki Ertiga. In the GL Automatic and GLX models of the Ciaz, the four-speed automatic transmission improves fuelefficiency and optimizes driving performance. The car’s body is also smartly designed and shaped to facilitate smoother airflow, which in turn contributes to fuel efficiency. The front and rear bumper corners, front grills, underbody, and trunk lid-end are the product of meticulous research and development to achieve optimal results. Advanced features The Ciaz also comes with a variety of advanced features that make driving a truly easy and enjoyable

experience. The multimedia integrated audio unit comes with an Android touchscreen for the GLX, complete with Bluetooth and USB connectivity for personal devices such as tablets and smartphones. This innovative multimedia unit comes with wireless connectivity and preloaded applications, such as YouTube, Gmail, Facebook, and the Filipino driver’s go-to app, Waze. Audio and hands-free connectivity control switches are also embedded in the steering wheel, which facilitates easy access to various tasks. Add these to the keyless push start system and remote, and the Ciaz delivers a hassle-free driving experience for busy urbanites. Roomy Luxury Bridging the gap between Suzuki’s compact models and standard sedans, the Ciaz combines the best of both worlds: great fuel efficiency and ample space. This sub-compact sedan has bigger door cutting, which increases the amount of rear seat leg space, headroom, and shoulder room. Rounding out the spacious interiors is the equally spacious trunk, which has a luggage capacity of 495 liters, and can be closed with an electromagnetic latch and features a convenient boot light. Optimum safety At the core of the

Suzuki Ciaz is the patented Total Effective Control Technology (TECT), which boosts driver and passenger protection through a light yet incredibly strong impact absorption system. An AntiBrake Locking Technology is also in place, preventing the brakes from locking during instances of sudden braking. This technology distributes braking force efficiently to the front and rear wheels to prevent accidents. With all these features, the Ciaz is a surprisingly affordable option for urban drivers. The three models clock in at the following price points: C i a z GL M a n u a l Transmission P738,000.00 Ciaz GL Automatic Transmission P773,000.00 C i a z GL X P888,000.00 For more information on the Suzuki Ciaz, please visit http://suzuki.com.ph/auto/ and like it on www.facebook. com/SuzukiAutoPH, https:// twitter.com/SuzukiAutoPH and follow on Instagram at @suzukiautoph. About Suzuki Philippines Incorporated Suzuki Philippine Incorporated is a whollyowned Japanese multinational firm highly recognized in the automotive industry. The company specializes in the manufacture and sale of motorcycle and distribution of compact vehicles.

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