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BusinessWeek Mindanao (January 16-17, 2018)

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BusinessWeek M I N DA N A O CREDIBLE

Volume VIII, No. 101

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Online tax payment CAGAYAN de Oro city government’s new online tax payment and billing system is now available for use to speed up transactions in Cagayan de Oro. City Treasurer Ramon Antonio Mendoza said that the City Treasurer’s Office (CTO) has already been using the new system for business permit renewal since January 3, 2018. The deadline for the renewal is on January 20, 2018. The online tax payment and billing system of the City Hall can accessed at www.cagayandeoro. gov.ph, the official website of the city. The new system aims to provide convenience to tax payers and entrepreneurs when they redeem their business permit or pay their business tax, real property tax and other fees such as the building fees, traffic violation and market stall rental payment.

Investment goals THE Board of Investments (BOI) eyes to increase investment approvals for 2018 by around 10 percent from pledges in 2017. In a press conference Monday, Department of Trade and Industry (DTI) Undersecretary and BOI Managing Head Ceferino Rodolfo said the agency targets to approve a total of P680 billion worth of investment pledges this year from P617 billion commitments last year. Rodolfo said the BOI expects that the country will attract more investments in manufacturing sector both from local and foreign sources given the robust gross domestic product (GDP), which is driven by strong domestic consumption.

IN-DEPTH

Cagayan de Oro Lapasan Highway, Cagayan de Oro City

P2-B livelihood fund sought for Marawi www.businessweekmindanao.com

As of 6:00 pm January 16, 2018 (tuesday)

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YOUR Mindanao-wide BUSINESS paper

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HE Department of Trade and Industry (DTI) has sought about P2 billion to fund its initiatives to bring back livelihood activities in Marawi City and its nearby areas.

ICE BLOCKS. Workers carry ice blocks to be used in cooling harvested fish are delivered into the fishport at a Mariculture Park in Panabo, Davao del Nort. photo by jun ayensa

DTI Undersecretary Zenaida Maglaya, in a briefing Monday, said the department has asked for about P2 billion as budget to roll out various projects in Marawi City being part of the Task Force Bangon Marawi. Maglaya cited the department’s initiatives to help traders in Marawi City and its peripheries as well as internally displaced persons (IDPs) due to Marawi crisis. These include shared service facilities (SSF), mobile rice mills, tricycles, and microfinancing facilities. She noted that DTI has earmarked P50 fund/PAGE 11

Job seekers abroad in AgSur can get placement fee loan from prov’l govt offered to provide financial assistance through soft loan for the placement fees of

residents who wanted to seek employment abroad. Sangguniang Panlalawigan ( SP ) me mb e r S ant i ago loan/PAGE 11

11-big-ticket infrastructure projects in Mindanao eyed

Oro Council ends landfill probe, finds no leak

By CHRIS V. PANGANIBAN, Contributing Editor

SAN FRANCISCO, Agusan del Sur -- The provincial government here has

THE Department of Public Wo r k s a n d H i g h w a y s (DPWH) will implement a total of 11 big-ticket i n f r ast r u c tu re proj e c t s which aims to improve roads network in Mindanao.

According to DPWH Secretary Mark Villar, the projects, which will be implemented from 2018 up to 2023, cover the construction of eight roads in Zamboanga projects/PAGE 11

By MARK FRANCISCO Staff Writer

THE Cagayan de Oro City Council has concluded its investigation on the reported leak at the city landfill that ends/PAGE 11

MAMANWA. Mamanwa kids play in Punta Naga Mamanwa Village in Cagdianao, Claver in Surigao del Norte. Mamanwas have remained poor despite being entitled to royalties from mining firms in the province, according to Bantay Kita, a non-government organization advocating for transparency and accountability in the extractive industry. mindanews photo by roel n . catoto

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Economy

DOE campaigns for alternative fuels, energy technologies in Bislig City

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ISLIG City -- The Department of Energy (DOE), in collaboration with the Philippine Information Agency (PIA), conducts a Forum on Alternative Fuels and Energy Technology (AFET) to create greater awareness and appreciation of the importance of cleaner alternative energy fuels and technologies and efficient utilization of energy. The key initiatives under this program are the implementation of Information, Education, and Communication (IEC) campaign/consultations and promotion of Energy

Sector Innovation. This aims to reduce the country’s dependence on imported oil by providing energy consumers with alternative and advance energy technologies and more environmentfriendly fuel options aside from conventional fuels, such as, gasoline and diesel. In his message, Bislig City Mayor Librado Navarro said that the advocacy campaign of DOE is very timely as the city is fast tracking its goal to be the center of organic agriculture in 2020, hence, the use also of alternative fuels as best resource for a cleaner environment.

“In fact, we are also preparing for the hosting of the International Federation of Organic Agriculture Movement (IFOAM), International Organic Forum, First Declaration of Asian Organic Day, and the Asian Local Government for Organic Agriculture (ALGOA) Summit in September 2018. And this AFET Forum is very relevant in particular to our advocacies,” said Navarro. Navarro also underscored how its local government helped in the mitigation of climate change/global warming through its programs and

RPN Radyo Ronda Stations Nationwide

CNN Philippines Stations Nationwide CNN Philippines TV-9 Manila CNN Philippines TV-12 Baguio CNN Philippines TV-12 Dagupan CNN Philippines TV-26 Tarlac CNN Philippines TV-10 Iriga CNN Philippines TV-4 Iloilo

CNN Philippines TV-8 Bacolod CNN Philippines TV-9 Cebu CNN Philippines TV-5 Cag. de Oro CNN Philippines TV-5 Zamboanga CNN Philippines TV-7 GenSan CNN Philippines TV-9 Davao

DZBS 1368 Baguio DZRL 639 Batac DZTG 621 Tuguegarao DZKI 1332 Iriga DYKW 936 Binalbagan DYKB 1404 Bacolod DYKC 675 Cebu DXKO 1368 Cagayan de Oro DXKS 1080 Surigao DXKD 1053 Dipolog DXKP 1377 Pagadian DXXX 1008 Zamboanga DXKT 1071 Davao DXDX 693 General Santos

projects that are focused on the utilization organic resources. Meanwhile, Virgilio Arzadon, senior science research specialist of the Department of Energy (DOE) Mindanao Field Office reiterated that the department is mandated by Republic Act (RA) no. 7638, otherwise known as Department of Energy Act of 1992, to prepare, alternative/PAGE 11

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Capitol Tourism Office now a department MISAMIS Oriental – In accordance to the Ordinance No. 14022017 of Sangguniang Panlalawigan, otherwise known as “An Ordinance Creating the Provincial Tourism Department as Regular Department of the Provincial Government of Misamis Oriental and its Plantilla Positions,” the Provincial Tourism Office is now declared as Provincial Tourism Department.

Governor Bambi Emano installed Atty. Jeffrey Saclot as head of the said department and Yvonne Waga as the assistant department head. They both took their oath of office before Emano on January 8, in time for the celebration of the province’s 88th Founding Anniversary and 5th Kuyamis Festival celebration. Saclot will be the office/PAGE 11

Physical Education for the 21st Century Learners By Helen E. Alfanta

The Philippine education new curriculum, K to 12, aims to equip learners with the 21st century skills— learning and innovation skill, communication skill, information and technology skill and life and career skill. All learning areas in school should allow learners the opportunity to grow competent in such skills. Hence, Physical Education as one of the learning areas should also align its activity to achieve and develop students with the 21st century skills mandated in the k to 12 curriculum. Physical Education involves physical activity. As a physical educator, psychomotor goals are not the only focus in the teaching-learning process. Though development of the learners’ psychomotor is essential most especially in a physical education area, yet,

the cognitive and the affective levels of learning must also take into consideration. These three domains- psychomotor, cognitive and affective are important to realize the objective of the curriculum-to equip learners with the 21st century skills. Teachers on the other hand should be creative and critical thinkers, risk takers, communicators, collaborative and responsible in planning, implementing and assessing the physical activities. With these qualities possess by a PE teacher, then achieving the 21st century skills among the learners is possible. How can each 21st century skill integrate in the physical activity? With the appropriate physical activity planned and designed by the physical educators, communication skill is developed when learners collaborate with

a partner or a group. What do they collaborate? Ideas, concept, steps, procedure on how to perform such physical activity. In this process, learners are taking risks for they learn new skills, critical thinking skill is also utilized. Learners plan and evaluate practice. In this phase, students’ creativity and critical thinking skills are developed. As the process of the physical activity continues, learners demonstrate leadership, initiative, selfdirection, adaptability and responsibility- these are life and career skills. These 21st century skills are integrative. Designing appropriate physical activities wherein the necessary skills are integrated is a must. It’s not that easy but it’s fulfilling seeing our learners to be competent and are ready to face the challenges in life.

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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Opinion

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Old age doesn’t matter

HOTLINE Businessweek Mindanao Corporation Publisher DANTE M. SUDARIA President/CEO

ALLAN mario MEDIANTE

Vice President for Corporate Affairs

RUFINO T. MAGBANUA

Vice President for Business Development

Joe felicilda

Vice President for Administration

JOHN AARON M. DEL BANDO

Vice President for Events and Promotions

joe palabao

Vice President for Marketing

NELSON CONSTANTINO Editor-in-Chief

gilbert y. chao Motoring Editor

JUN AYENSA

Regional Editor - Caraga

Cris diaz ATTY. antonio s. soriano mike baños 2f, ICS Building BONG FABE Tel.No.: 881-0176 Uriel quilinguing Tiano cor. Montalvan sts. Contributing Editors Legal Counsel CLIFFORD SANTILLAN Layout Artist

ATTY. MARIO T. JUNI

ABEGAIL BAYNOSA Sandra encoY

Juni Law Office Cruz Taal St., CDO Legal Counsel

Cell No: 09352379999

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The BusinessWeek Mindanao is published by BusinessWeek Mindanao Corporation every Monday to Friday with office address at Tanleh Building, Abellanosa, Cagayan de Oro City. It is registered with the Securities and Exchange Commission under Company Registration No. CS201531633 with BIR Certificate of Registration No. 2RC0000831068, TIN No. 463-826-272-000 – VAT. Reg., and with Business Permit No. 2017-02942. Tel. Nos.: (088)856-3344, 0923-432-0687, 0917-7121424 Website: www.businessweekmindanao.com E-mail : businessweekmindanao@gmail.com

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Honest Love think a minute

jhan tiafau hurst Think a minute…There’s a story about a man and woman who had been married for over 60 years. They had shared and talked about almost everything. But the wife had kept a special box in her closet. She had asked her husband never to open it or even ask her about it. Then one day, the old woman got very sick and the doctor said she would never recover. Her husband began to sort through all of his wife’s belongings. When he found the box, he brought it to his wife’s bedside. She agreed that it was finally time he knew what was in the box. Her husband opened it and found 2 little handkerchiefs and a stack of money totaling $25,000! Hi s w i f e e x p l a i n e d : “When we were married,

my grandmother told me that the secret of a happy mar r i age w as to ne ve r d is ag re e or arg u e. She told me that if I ever got angry with you I should just keep quiet and sew a handkerchief.” The old man was so touched and moved he had to hold back the tears. Only 2 handkerchiefs were in the box. He almost burst with joy and pride that in over 60 years she had only been angry with him 2 times! “Dear,” he said, “that explains the handkerchiefs, but what about all of this money? Where did it come from?” She answered: “Oh, that’s the money I made from selling all the other handkerchiefs.” Well, that’s definitely an interesting way to keep peace in your marriage, and make $25,000 at the same time! But that husband probably wondered what he had done to make his wife angry so many times! He’d always thought they had a close marriage. But it wasn’t based on the truth. Obviously, they had not been completely honest with each other. Instead of sharing their real feelings, they had built a wall between them—a wall of handkerchiefs. Think a Minute…

Ruffy magbanua “Discrimination due to age is one of the great tragedies of modern life. The desire to work and be useful is what makes life worth living, and to be told your efforts are not needed because you are the wrong age is a crime”. Johnny Ball Age is an issue of mind over matter. If you don’t mind, it doesn’t matter – Mark Twain A woman in her 60s

works as food server in one of Hongkong’s fast food restaurants, still agile and smart. A male senior citizen serves as hallway cleaner on a graveyard shift at Singapore Changi Airport. The amiable middle-aged stewardess of an international airline serves hot coffee while wearing a contagious smile to her passengers. Make no mistake about them, they are all ‘centennials’, yet they are on their toes earning decent living. What drives these wonderful people to work all throughout their productive years? What makes them useful despite their age? In their respective count r ies, t he y are all covered by an employment law protecting their right to work. For them, age doesn’t

matter as long as long as they are able to deliver the goods —mentally, emotionally and most importantly, physically. Lately, the usefulness of our labor force have been recognized particularly those who already retired, but not entirely tired. T han k s to S e n . Pi a Cayetano, principal author of R.A. 10911 otherwise known as the AntiAge Dis cr iminat ion in Employment Act. Finally, a ray of hope for those who are still wanting to sweat it out despite their age. What matters most is the desire to make a difference and make most of their time, skills and talent while still on the go, so to speak. For clarity, these are the key facts about R.A. 10911: 1. Who are covered? All employers, labor contractors or subcontractors, labor

organizations, and publishers. 2. What are the prohibited acts? Employer - Print or publish, or cause to be printed or published, in any form of media, including the internet, any notice of advertisement relating to employment suggesting preferences, limitations, specifications, and discrimination based on age; - Require the declaration of age or birth date during the application process; - Decline any employment application because of the individual’s age; - Discriminate against an individual in terms of compensation, terms and conditions or privileges of employment on account of such individual’s age; - Deny any employee’s or worker’s promotion or age/PAGE 9

Garin’s children must be injected with Dengvaxia on TV Kakampi mo ang batas

Batas Mauricio LIFE’S INSPIRATIONS: “… And do this, understanding the present time: The hour has already come for you to wake up from your slumber, because our salvation is nearer now than when we first believed…” (Romans 13:11, the HolyBible). -ooo GARIN MUST PURSUE DENGVAXIA INJECTION OF HER CHILDREN ON TV: I join the calls of my younger brother Leny, who is also a lawyer like me, for former Health Secretary Janet Garin to make good her promise to inoculate with Dengvaxia her children in front of television cameras,

to make her claim that the dengue drug has no adverse effects on children vaccinated with it more believable. At this point that the daily news is filled with scary items about increasing number of child deaths after they were injected with Dengvaxia, it would do well for Garin (and other officials of the Noynoy Aquino government led by former President Benigno Aquino III) to have their children or other relatives vaccinated too. And they must do this with live TV cameras beaming to the nation the inoculations, to calm down the parents of nearly one million school children who were forcibly administered with the medicine. Too, teachers, and other officials of the Department of Education then, like former Education Secretary Armin Luistro, s h ou l d a l s o c au s e t h e vaccination of their children with Dengvaxia, infront of TV cameras, for the same reason. -ooo SSS EXEC LA VINA, WHY

THE HOLLOW DECISION ON CORRUPTION AT THE SSS? Please pardon me for saying this, but officials like one Jose Gabriel La Vina, a commissioner of the Social Security System (I don’t know him, he doesn’t know me), appear to be one dire reason why grave corruption persists in government. Why did I say this? Well, think about this: La Vina or the SSS discovered that the agency entered into illegal media contracts, worth a whooping P146 million, without public bidding. This is clear corruption. But what did La Vina do? Instead of suing those responsible for corruption, what he conceived of doing is the filing of mere administrative cases (where imprisonment is not a penalty). Then, even with respect to the administrative cases, La Vina said he will not pursue them (and neither will the SSS), if those involved will just simply resign. If that happens, he said SSS may become lazy and will no longer pursue even the

administrative cases. In other words, those responsible for the corrupt contracts will go scot free, so long as they vacate their posts. Oh well, that’s life in this country! -ooo IT IS GO OD THAT L I C UA NA N I S N O W KICKED OUT FROM CHED: Naturally, lawmakers belonging to the Liberal Party are taking up the cudgels for resigned Chairman Patricia Licuanan of the Commission on Higher Education. She was, after all, appointed to the CHED’s top post by their party, through their erstwhile leader, former President Benigno Aquino III. But to those who are keenly keeping an eye on CHED and the system of public universities and colleges, Licuanan miserably failed in the overall objective of strengthening the education of poor and marginalized students in highest institutions of learning that are owned, operated, and managed by the government. The truth is that, many had dengvaxia/PAGE 9

Global warming have my say

klaus doring While most Asian countries ke e p on f i g ht i ng w it h typhoons, heavy down pours, floods and landslides, Europe faces this: Snow comes later, melts earlier, and is not nearly as deep as it was 30 years ago. EU scientists are racing to help winter tourism regions adapt to climate change — but is man-made snow the answer? Global warming has

already shut down scores of European ski hills outside the high alpine zones. “Last year, we had about 20 days, the year before, even fewer,” German mechanic Karl Oberreiter says, working on the control panel of a chairlift. “I don’t think we’ve had a full season since the 1980’s. There’s a point where you can’t do it anymore. After that, I don’t know.” Oberreiter’s concerns echo across the across the heart of the Alps in Austria and Switzerland like a mournful yodel. Winters are 10 to 30 days shorter than during the 1960’s. By 2100, there will be almost no snow below 1,200 meters — an average elevation for ski towns. The overall snow cover in the Alps will decline 70 percent, according to recent climate

studies. Preserving winter tourism and sports in the Alps beyond 2100 requires not just keeping global warming below 2 degrees Celsius, but the Paris Agreement’s more ambitious — and many say, extremely unlikely — goal of 1.5 degrees. Even if that were achieved, alpine winters are expected to grow ever-shorter, before potentially stabilizing toward the end of the century in a warmer and much less snowy state, says author Bob Berwyn. With the future of the ski and winter tourism industry at stake, a team of international scientists, partly funded by the European Union, launched the new ProSnow research project in November. Winter tourism and sports

in the Alps are at risk! It aims to make resort towns in the Alps more resilient to climate change by accurately forecasting seasonal snowfall and temperatures. Combined with long-term climate projections, this information is hoped to help alpine communities plan for the future — even making up for nature’s shortfall with snowmaking and snow farming. The sad truth for many towns and ski areas below 1,000 meters is, in the coming decades most of their white magic will come from the business end of industrial snowaking machines. Ski resorts around the world have already installed miles of water pipes and built reservoirs and pumps so they can make their own snow. Water is vaporized by doring/PAGE 9


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CorporateWorld

More SM malls in provinces

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M Prime Holdings, Inc. is on track to achieve its five-year road map that targets to double revenues and profits by 2018, supported by its aggressive mall and residential expansion. The holding firm for country’s richest man Henry Sy, Sr.’s property investments is currently on the last year of this five-year vision, which should see SM Prime book double the P16.3billion net income and P59.8-billion revenue it had in 2013. “We are on schedule to meet the five-year program unveiled in 2013. The growth will be driven by malls and residential operation complemented by offices and hotels and convention centers,” SM Prime said in a presentation to investors for the month

of January. For its mall expansion, SM Prime ended 2017 with a total of 9.3 million square meters (sq.m.) in gross floor area (GFA). Of this, 86% are covered by the 67 malls in the Philippines, while 14% come from seven malls in China. This brings the company closer to its target of 10.5 million sq.m by end-2018. SM Prime disclosed it has eight malls lined up in the following years, primarily located outside of Metro Manila. The company will be opening in the following locations: SM Center Imus in Cavite, SM City Legazpi in Albay, SM City Urdaneta in Pangasinan, SM City Telabastagan in San Fernando, Pampanga, SM City Ormoc in Leyte, SM

City Dagupan, SM Moonwalk Parañaque, and SM Center Cabuyao in Laguna. “New malls are geared towards provincial cities,” the company said. SM Development Corp. (SMDC), which manages the company’s residential business, launched a total of 117,424 units across 54 projects under the primary home component in 2017. This marks a 15% increase in number of units year on year. SMDC would have to launch 11 more projects in 2018 to hit its target of 65 projects by the end of 2018, for a total of 132,424 units. For the leisure component, SMDC had a total of 16 projects by the end of last year with 2,363 units. The company looks to end 2018 with three more

launches for a total of 19, composed of 2,600 units. SM Prime’s commercial business had a total of six towers in 2017 covering 0.38 million sq.m., the same figure as in 2016. The company is currently constructing ThreeE-Com Center within the Mall of Asia complex, which will be completed in 2018. The tower will add a GFA of 130,000 sq.m., up to SM Prime’s target of 0.51 million sq.m. and seven towers by the end of the year. Meanwhile, the company has already reached its target of 1,510 rooms and six project for hotels and convention centers. These include six hotels, four SMX Convention Centers, three Megatrade Halls with over 37,000 sq.m. of leasable space.

AboitizPower shuts down Aseagas plant MONTHS after going on continuous shutdown, AboitizPower Corporation announces that the biomass plant in Lian, Batangas operated by its whollyowned subsidiary, Aseagas Corp., will permanently cease operations. Aseagas earlier suspended its commissioning due to unavailability of the supply of organic

effluent wastewater from its supplier, Absolut Distillers, Inc. AboitizPower also took the opportunity to assess the plant’s other issues, and after a full assessment decided to make the plant shutdown permanent. “Our top consideration now is to balance the interests of all our stakeholders, including that of Aseagas’ employees,” AboitizPower President

and Chief Operating Officer Antonio R. Moraza said. AboitizPower earlier disclosed that Aseagas has prepaid its outstanding loan with the Development Bank of the Philippines (DBP) in the amount of P2.368 billion. Total value affected as a result of the closure has been estimated at P3.7 billion, which represents Aseagas’

invested equity of P3.45 billion and the company’s estimated remaining obligations of around P250 million. Moraza said AboitizPower is still on track to add some 500 megawatts (MW) of attributable capacity, mainly from baseload and hydropower plants in 2018, pushing the company closer to its 2020 target of 4,000MW net attributable capacity. (Aboitiz PR)

Phoenix completes FamilyMart acquisition PHOENIX PETROLEUM Philippines, Inc. has finalized its purchase of FamilyMart convenience stores in the country, allowing Davao-based businessman Dennis A. Uy’s company to take over the retail chain previously owned by the Ayalas and Tantocos. The listed oil company told the stock exchange on Thursday it has concluded the acquisition of 100% of shares in Philippine FamilyMart CVS, Inc. (PFM). “A new exclusive area franchise agreement of the Family Mart branch of convenience store in the Philippines was granted to Philippine FamilyMart CVS under management of the

company,” Phoenix Petroleum said. PFM was formed by SIAL CVS Retailers, Inc., a 50-50 partnership between Ayala Land, Inc.’s wholly owned subsidiary ALI Capital Corp. and SSI Group, Inc., as well as Japanese firms FamilyMart Co. Ltd. and Itochu Corp. SIAL CVS held 60% of PFM, while FamilyMart Co. Ltd. and Itochu owned 37.6% and 2.4%, respectively. Phoenix Petroleum had entered into a memorandum of agreement with the group last Oct. 30. The Philippine Competition Commission on Jan. 3 cleared the acquisition to ensure

the transaction will not result to a substantial lessening of competition. “This is positive for the company. This will follow the business model of different gas stations of having a store beside its gas station. With the increasing number of Phoenix Petroleum in the country, this will be added revenue on their part and their income as well,” Diversified Securities, Inc. equity trader Aniceto K. Pangan said in a phone interview yesterday. With 68 FamilyMart branches in Luzon, Phoenix Petroleum said the convenience stores will be able to complete its fuel retail business, now with 518 gas stations nationwide.

Phoenix Petroleum Chief Operating Officer Henry Albert R. Fadullon, meanwhile, said last year the focus would be to put up FamilyMart stores in central business districts to capture the needs of employees of business process outsourcing firms. The executive also noted they would like FamilyMart to provide more food options, considering its readyto-eat meals are part of its appeal in its origin country Japan. Phoenix Petroleum saw a 14% decline in its attributable profit during the first three quarters of 2017 to P712 million, despite a 47% jump in revenues to P32.6 billion during the same period.

5 When you’re in Davao City, Read:

HOTELS & RESORTS DIRECTORIES

VILLA MARGARITA HOTEL J. P Laurel Avenue, Bajada, Davao City, Philippines Tel. No.: (082) 221-5674 / Fax No. (082) 226-2968 MICROTEL By Wyndham Davao Damosa Gateway Complex Angliongto Rd., Lanang Davao City 8000, Philippines Tel +63 82 233 2333 / Mobile +63 917 795 3548 www.microtelphilippines.com PINNACLE HOTEL Sta. Ana Avenue, Davao City. No. (082) 300-5885 Telefax: 300-1881/ 221-3025 Website: www.thepinnaclehotel.com ALU HOTEL M. Roxas Avenue corner Padre Faura Street, Davao City. Tel No (63 82) 221-5232 / Mobile (O943) 652 3927 Email: aluhoteldavao@yahoo.com info@alu-hotel.com / www.alu-hotel.com GRAND REGAL Km 7 Lanang, Davao City, Philippines Tel. 235-0888 / Fax 235-2335 email: grandregalhotelegmail.com VIAJEROS ECONOMY HOTEL Patnubay St., Sandawa, Matina, D.C Tel. No. 297-5710 / Telefax (6382) 298-5134 Mobile: 0922.-8268425 Website: www.viajeroseconomyinn.com ROYAL MANDAYA HOTEL J.Palma Gil St., Davao City 8000 Phils. Tel. No. (082) 225-8888 / fax No. (082) 225-1885 info@theroyalrmandayahotel.com www.theroyalmandayahotel.com HOMITORI Bangoy Street corner Santa Ana Avenue, Davao City Tel. No. (082) 295-2969 & 295-2471 / Mobile: (0922) 8994646 Email: homitoridvo@gmail.com or Like us on www.facebook.com/pages/Homitori-Davao BIG APPLE HOTEL Brgy. Angliongto, Lanang, D.C. Hotline Nos.: (082) 234-8459 Facebook account: bigapplehotel@ymail.com Email: bigapple_hotel@ymail.com

THE PERIDOT SUITES Carmelite Drive, Lanang, Davao City Tel. no.: (082) 305-6530 / Fax no.: (082) 305-38I2 Email: theperidotsuiles@gmail.com AZIENDA MEO APARTELLE 11 Corner Pioneer and Doña Vicenta Village, Phase 1, Davao City Telefax. No: (082) 227-4119 & 284-6689 Cell Phone No. 09256652626 Website: www.aziendameo.com Email Add: aziendameo@yahoo.com.ph Big 8 Corporate Hotel Visayan Village, National Highway, Tagum City Mobile nos. 09173029063 & 09328539372 Tel. No.: (084)216-0888 Email: info@big8corporatehotel.com www.facebook.com/big8corporatehotel.com www.big8corporatehotel.com HOTEL ELENA Avenida Santos Ave., Nova Tierra Vill, Lanang, D.C Tel. Nos. (082) 233-1941 & 305.8799 / fax No. (082) 233-1887 PARADISE ISLAND Tel. No. (082) 233-0251 & 300-2343 / CP No.: 09209546780 E-mail: paradiseislanddavao@gmail.com MARCO POLO DAVAO C.M Recto St., Davao City davao@marcopolohotels.com www.marcopolohotels.com (63 82) 221-0888 HOTEL ESSE Brgy. 9-A F Torres Street, Davao City Hotline: No: 227-37-73 / Fax: 295-34-85 Website: www.hotelessedavao.com.ph Email Add: hotel_esse_davao@yahoo.com RUEMANGO APARTELLE & SUITES 516 Mangga St., Juna Subd., Matina, Davao City ruemangoapartelleandsuites@gmail.com www.ruemango.com Tel. Nos.: (082) 295-7175/ 295-7180


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tue-wed|january 16-17, 2018

Im-paws-ible to miss: Asia’s biggest dog show comes to Araneta Center The biggest dog show in Asia is coming to the Araneta Center with the staging of the Philippine Circuit at the Smart Araneta Coliseum from January 18 to 21, 2018. Whether you are a dog breeder, a dog trainer, a dog owner or just a casual fan of “man’s best friend”, you will surely find a reason to see this four-day show. Pup-tastic numbers Now on its seventh year, the Philippine Circuit the event attracts close to 600 dogs from all over the world to participate in 12 shows.

There will be around 90 different breeds of dogs present according to organizer Philippine Canine Club, Inc. (PCCI), with 19 foreign judges on hand to scrutinize the dogs’ appearance and performance. Best of the best Expect only the “cream of the crop” in the competition, according to Augusto Santos III, President of PCCI. “Those who come from Europe, South America, America, come here to win,” Santos said. The diverse lineup “will

introduce (Filipinos) to a whole new world of dog breeds.” These purebred dogs will be competing in 12 shows across those four days, hoping to be named the best of the best. Ticket prices that don’t bite Tickets to the show are free to the public. The audiences get a chance not only to see the dogs strut their stuff during the competition, they also get to interact with a select few at the Coliseum’s lobby. Dog breeders and dog owners—even the

prospective ones— have a chance to get to know more about these outstanding canine breeds by interacting with the owners and trainers present in the competition or by communicating with the PCCI. Doggie tips and tricks The Philippine Circuit also features exciting shows such as the flyball relay and the agility test. In the flyball relay, dogs are made to work together as teams trying to race against each other while retrieving dog/PAGE 9

PCCI president Augusto Benedicto Santos III with his wife Trish, and their two prized corgis Libby and Tai

Celebrating its 10th year: Cinemagis Digital Short Film Festival unveils official entries By Angelo Lorenzo

The Cinemagis Digital Short Film Festival released the official list of entries for its 10th installment on its Facebook page on Thursday, Januar y 11. With a total of 16 competing entries, nine of which are listed under the student categor y and seven have been qualified to the senior categor y. These categories var y according to the backgrounds of their filmmakers wherein current college undergraduates compose the former, and professionals consist the latter. The selection was made in accordance with this year’s suggested themes which take their stance on pressing issues related to peace, cultural solidarity, human rights, gender and development, harmony with the environment, and cultural understanding and awareness. A dose of life’s funny and subtle contradictions also take the scene. But as much as the filmmakers were given the freedom to express their creativity, their films will be judged according to their qualities. This pertains to the style of their voices, the angles of their images, and the influence of their narratives that construct the value of cinematic stor ytelling. Student Categor y • Simulacrum by Christian Alan Toring • Lantern by Ryujie Abejuella • Kita Nakita by Juan Miguel Fernandez • Isig-katawo by Carl Hudson Mabanag • Baslayan by Reyan Christian Amacna • Pa D yak by Leo Marie Fabre • 7:30 by B ezalel Ian Philip Barroso • Hiraya byJohn Roel

Cabana • Tuldok Kuwit by John Rey Laure, Venxel Geno, Anna Abregan, Angel Alquizar, and Syrine Duazo Senior Categor y • Ayo-ayo by Reena Dunque • 5:12 by Adrian Rey Manapil, Rey Cadeliña, Edwin Delos Santos Jr., and Grace Salvador • Sikad by July Ilagan • Kabuang ug Kasakit by Angelo Dabbay • B etween the Lines by Kenneth Sabijon • Good night by Tat Soriano • Redempsyon by Edmund Telmo A decade of cinematic advocacies Now on its 10th year, Cinemagis continues the advocacy to support aspiring and recognized filmmakers in Northern Mindanao, while encouraging both to magnif y uncommon issues in their localities as well as honing their craft. “It’s always an honor for any filmmaker to be included in the festival,” remarked July Ilagan, one of the filmmakers whose film, Sikad, is among the entries in the senior categor y. Ilagan’s previous film, Balut, Penoy, Asin, bagged the 1st Place in the B est Picture Award of last year’s Cinemagis. “ There are a lot of ver y talented filmmakers in Northern Mindanao who are becoming active in the festival,” she added. “ This makes Cinemagis [more of ] a celebration rather than a competition.” Special features of Cinemagis X Non-competing films to be screened in Xavier Ateneo’s Little Theater and at SM City CD O Cinema 1 during the festival include a record of award-winning motion pictures.

Among these are Bagane Fiola’s Baboy Halas / Wailings in the Forest (Network For Promotion of Asian and Asia Pacific Cinema’s Jur y Prize Winner), Sheron Dayoc’s The Crescent Rising (recipient to the Mecenat Award in the 21st Busan International Film Festival), and Arnel Barbarona’s Tu Pug Imatoy / The Right to Kill (Sinag Maynila 2017’s B est Film). Non-competing films in the special citation categor y include Glor ypearl D y’s Walay Nidanguynguy, Rhadem Camlian Morados’ Hugo, and short films featured in Davao City’s Ngilngig Festival. *** Cinemagis X will take place from Januar y 24 to 27, 2018. With screenings held in the Xavier Ateneo Little Theater and SM City CD O Cinema 1. Nominees for major and minor awards will be announced at the Xavier Ateneo Little Theater in the afternoon of Januar y 24, while the awarding ceremony will conclude the festival at SM City CD O Event Center on Januar y 27. As a promotion to local art and culture in film, the festival is organized by the Xavier Center for Culture and the Arts (XCCA) under Xavier Ateneo’s Mission and Ministr y cluster. It is made possible by XCCA’s partnership with Xavier Science Foundation, the National Commission for Culture and the Arts, the Film Development Council of the Philippines, and SM City CD O. # This ar ticle is first published on the Xavier Ateneo website through this link: http://www. xu.edu.ph/xavier-news/632017-2018/3088-celebratingits-10th-year-cinemagisdigital-shor t-film-festivalunveils-official-entries


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tue-wed|january 16-17, 2018

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Banking&Finance

OROBANKERS DIRECTORIES CAGAYAN DE ORO CITY

A PUBLIC SERVICE BY:

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BDO – VELEZ Velez-Rn Abejuela Street, Cdoc 2314246/8572075

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BDO – SM G/F SM City, Master Son’s Avenue Upper Carmen Cdoc | 8592623/8592637

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BDO – XU XU Lib. Annex Corrales St. Cdoc 8574108 / 8573796

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BDO – CDO HAYES Trendline Bldg.,Hayes Street, 8568151/727405

METRO BANK- GAISANO 8561720

BDO – COGON Sky hi Bldg JR Borja St. Cogon, Cdoc 8577963/ 725209/ 725203 BDO – OSMEÑA Osmeña corner Ramon Chavez St. Cdoc 724567/8563727 BDO – LAPASAN Lapasan Highway Cdoc 8563233 /8563234 / 725178 BDO – RN- PELAEZ George Town CyberMall Rn Pelaez Blvd Kauswagan Cdoc | 8562617/729052 BDO – CARMEN Maxsuniel cor.V Neri St. Carmen, .Cdoc 8584854 /8581133 BANK OF COMMERCE- VELEZ Akut- Velez St.Cdoc | 8564371 / 726880 BANK OF COMMERCE- LAPASAN

CM Recto Ave. Lapasan, Cdoc, 8563991/727731

BPI FAMILY SAVINGS BANK RER kauswagan,HW Cdoc 8573733 /722519 BPI FAMILY SAVINGS BANK Gaston Park Cdoc | 8801518 BPI – LAPASAN Cm Recto HW Lapasan Cdoc 724076/ 8524602 BPI- VELEZ Velez-JR Borja St.Cdoc 8564213/722406 BPI – CAPISTRANO Capistrano St. Cdoc 8574264/8574263 BPI- COGON Osmeña St. Cdoc 8571297/8571298 CHINA BANK –GAISANO 745887/745880 CHINA BANK- JR BORJA JR Borja St. Cdoc 8572212/8573274 CHINA BANK- LAPASAN CM Recto Lapasan HW Cdoc 8561325 /722240 CHINA BANK – CARMEN Max Suniel, Cor. Yakal St. Cdoc 8583903/723091 CHINA BANK – DIVISORIA RN Abejuela St. Divosoria Cdoc 8575759/722641 CITY SAVINGS BANK TS Fashion Ave.Justo Ramonal Corner St.Cdoc 2316060/ 2316059 CHINATRUST Suite U&5 G/LGateway Tower Lapasan Lkk Cdoc 8521846/8521844 D’ASIAN HILLS BANK HW. Lapasan Cdoc | 8564201/ 8564201 D’ASIAN HILLS BANK Vamenta Carmen Sts. Cdoc | 8585366 DBP – CORRALES Corrales Ave., St. Cdoc | 8572087/722649 DBP – CAPISTRANO JR Borja Capistrano St. Cdoc 8567776/722819

PBCOM Tiano-HayesSt. Cdoc | 726519/8571558 PLANTERS DEVELOPMENT BANK

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PNB- CARMEN Elipe Bldg.Carmen, Cdoc | 8583158/ 8584203 PNB- LKK LKK Lapasan, Cdoc | 8564347/722872 PNB CDO– DIVISORIA Tiano Bros.Cruz Taal St., Cdoc 722861 /722816 PNB CDO– LAPASAN LKK Center Lapasan, Cdoc | 8564732 / 723992 PNB CDO– COGON LKK Center Lapasan, Cdoc 8571991/ 723992 PHILIPPINE POSTAL SAVINGS BANK, INC. bels_domingo@yahoo.com.ph Rizal Chavez Cdoc 8572194/725438 PS BANK Velez Corner A. Mabini St., Cdoc 8574183/725184 PHILIPPINE VETERANS BANK Tiano-Abejuela St. Cdoc 722644/8573386 QUEEN CITY DEVELOPMENT BANK, INC. Sacred Heart Mont. Cm RectoAve., Cdoc 8562390 RCBC- VELEZ Velez-Borja St. Cdoc | 8564982/8568888 RCBC- COGON Simplex Bldg. Osmeña St. Cdoc 8562888/725863/8521329 RCBC- LAPASAN Cm. Recto Lapasan HW. Cdoc 8561888/722449 RCBC- LKK Gateway, Tower 1 LkkCenter, Cdoc 8563707/722449 RCBC SAVINGS- CARMEN Walingwaling St.,Carmen St. Cdoc 8585793/ 8586248

LBP – PUERTO Puerto Cdoc | 8558858 MAYBANK JR Borja Tiano Cor. Bldg. Cdoc 8574439/726060 METRO BANK- DIVISORIA Pabayo Abejuela St. Divisoria Park, Cdoc 724783/8576999 METRO BANK- VELEZ A. Velez St. Cdoc | 8561724/726054 METRO BANK- JR BORJA JR Borja St. Cdoc | 8572999/724415

employees will benefit from the cut in personal income tax set under the first package of the Tax Reform for Acceleration and Inclusion (TRAIN) Act. “In fact the ones that qualify for the 15 percent rate are those earning P975,000 and up (who are the) high-earning people and they enjoy lower rates,” she said. The Department of Finance (DOF) official said high earning individuals who hold managerial positions are the ones who are questioning the veto. She explained that employees of ROHQs, which were previously called RHQs, were given

preferential rates because these entities were not supposed to have incomes. She said RHQs previously served only as coordinating centers and did not earn income. However, these have evolved with some BPOs now structured as RHQs, thus the change in name to ROHQs and the change in tax rate of their employees for the government to properly tax them. Previously, workers’ with annual income of P500,000 and up were taxed 32 percent. Under TRAIN, which took effect Jan. 1, 2018, annual income of P250,000 and below is now tax-free.

Tax rates of those with higher than P250,000 up to P400,000 annual income are 20 percent of the excess over P250,000; P30,000 plus 25 percent of the excess over P400,000 for those earning above P400,000 to P800,000. For those earning more than PHP800,000 to P2 million, the rate is P130,000 plus 30 percent of the excess over P800,000; for those earning Pmillion up to PHP8 million, the rate is P490,000 plus 32 percent of the excess of over P2 million; and for those earning P8 million and up, the tax rate is P2.41 million plus 35 percent of the excess of over P8 million (PNA)

State-run Social Security System (SSS) expects investment income to reach P60 billion, in three years, or double the P30 billion last year, following its participation in the infrastructure sector with the purchase of minority stake in diversified and infrastructure conglomerate Megawide

Construction Corp. During the commemoration rites for the share sale Friday, SSS said it acquired 5.17-percent stake in Megawide equivalent to 110.53 million shares for P2.001 billion. SSS Chairman Amado Valdez, in an interview, said the pension fund

recorded an investment income of P30 billion in 2017 with a return of investments of only 7 percent. It has investments in equities. Valdez expects return of investments to increase to 15 to 17 percent or up to P60 billion in three years with its entry into the infrastructure sector given

the government’s focus on “Build, Build, Build” infrastructure program. “Our entry into Megawide is highly strategic,” he said. “We see investments in the infrastructure sector as viable, given the level of funding being poured by the public and private foray/PAGE 9

SSS sees investment income hitting P60-B with infra foray

BSP addressing BDO card fraud cases THE Bangko Sentral ng Pilipinas (BSP) has allayed fears of some BDO Unibank Inc. (BDO) clients who reported loss of money from online transactions they allegedly did not conduct

personally. BSP Deputy Governor Chuchi Fonacier said officials of BDO have reported to the central bank about the unauthorized withdrawals. “We requested some

more information based on what was earlier reported. But, it looks like there was skimming of cards,” she told PNA in a phone message. Skimming is an illegal activity wherein

information stored in an automated teller machine (ATM) card is stolen using a skimming device placed on top of the ATM card slot. People would not fraud/PAGE 9

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STERLING BANK OF ASIA Tiano Velez St. CDO | 8528171/8528168

LBP – VELEZ LunaVelez St. | 723549/8563198

MPLOYEES of regional operating headquarters (ROHQs) need not worry about the veto of the provision under the first tax reform package that allows them to continue enjoying the 15 percent preferential withholding tax rates because they will benefit from lower income taxes in general. This was pointed out by Finance Undersecretary Antonette Tiongco, who said the veto on such provision affects only few employees of ROHQs, which are mostly companies belonging to the business process and outsourcing (BPO) sector. Tiongco said almost 90 percent of ROHQ

RURAL BANK OF CABADBARAN, Inc.

EAST WEST BANK Cogon De Oro Constraction Bldg. LKK Drive 8500339/8500331

LBP – CAPISTRANO Capsitrano St. Cdoc | 8565515/727678

Finance officials clarify tax issues for ROHQ employees E

RCBC SAVINGS- AGORA 8807891/8807892

SECURITY BANK- VELEZ Velez Montalvan St., Cdoc | 728334/856632

FIRST CONSOLIDATED BANK CM Recto Ave., Cor.Agudo Road Cdoc 8565360/2316678

tue-wed|january 16-17, 2018

RCBC SAVINGS- VELEZ Velez St. Cdoc | 729083/8562460

EAST WEST BANK #5 Juan Sia Bldg. Apolinar Velez St.Cdoc 8578801/720081

ENTERPRISE BANK INC. Centro Mariano Bldg Osmeña St. Cdoc 723869/ 3093395

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UCPB BANK- LAPASAN Osmeña Corner Lkk Drive, Cdoc 85771842/ 725135 UCPB BANK- VELEZ Velez Corner C. Pacana St. CDO 8564474/8564527 UCPB BANK SAVINGS-CAPISTRANO

Capistrano Corner CruzTaal St. CDO 8524099/722695

UCPB BANK SAVINGS- OPOL Gf forever Books Bldg.Bulua National CDO 754519/8588063 UNION BANK Lapasan Cm.Recto Cdoc | 8566847/8563805 WEALTHBANK Velez Gomez St. Cdoc | 8568942/722174 1ST VALLEY BANK Vamenta Blvd. CornerLirio St. Carmen, Cdoc 8501871/ 8584146 OROBANKERS CLUB Inc. Pnb Carmen | 09151850242

Registered applicants for both local and overseas work of the Misamis Oriental’s Public Employment Services Office (PESO) jobs fair at the Capitol grounds reached 1,080 on January 10. Of the latest count for local employment five of them were hired on the spot, while 193 are qualified and were scheduled for interview and 37 were declined or not qualified due to age and physical fitness issues. For overseas, none was hired on the spot, but there were 358 qualified to work abroad and were also scheduled for interview. None was reported disqualified. (PIO)


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tuesday|january 16, 2018

Age...

Dengvaxia...

opportunity for training because of age; - Forcibly lay off an employee or worker because of old age; or - Impose early retirement on the basis of such employee’s or worker’s age. L abor C ontractor or Subcontractor - Refuse to refer for employment or otherwise discriminate ag ai nst any i nd iv i du a l because of such person’s age Labor Organization Deny membership to any individual because of such individual’s age; - Exclude from its membership any individual because of such individual’s age; or - Cause or attempt to cause an employer to discriminate against an individual Publisher- Print or publish any notice of advertisement relating to employment suggesting preferences, limitations, specifications, and discrimination based on age. 3. Are there exceptions to the prohibition on age limitation? Age is a bona fide occupational qualification - Age is a bona fide occupational qualification reasonably necessar y in the normal operation of a particular business or where the differentiation is based on reasonable factors other than age; Bona fide seniority system - The intent is to observe the terms of a bona fide seniority system that is not indicated to evade the purpose of this Act B ona f ide empl oye e retirement or a voluntary early retirement plan - The intent is to observe the terms of a bona fide employee retirement or a voluntary early retirement plan consistent with the purpose of this Act: Provided, That such retirement or voluntary retirement plan is in accordance with the Labor Code, as amended, and other related laws The action is duly certified by the Secretary of Labor and Employment 4. What are the penalties? At the discretion of the court - Fine of P50,000.00 but not more than P500,000.00 - Imprisonment of not less than 3 months but not more than 2 years - If the offense is committed by a corporation, trust, firm, partnership or association or other entity, the penalty shall be imposed upon the guilty officer or officers of such corporation, trust, firm, partnership or association or entity. 5. Which agency will implement the Anti-Age Discrimination Bill? The Department of Labor and Employment (DOLE) shall have the authority to investigate and require the keeping of records necessary for the administration of this Act. Indeed, to be useful is what makes life worth living. (ruffy44_ph2000@yahoo.com)

asked Licuanan to stop the receipt by CHED officials of parts of the tuition and other matriculation fees which very poor students were paying to government colleges and universities, in the guise of “profit participation”, but she ignored this completely. I know this, because I was one of those who made this request. It is good she had been kicked out, and here’s hoping for an investigation on this matter by the next CHED leader. -ooo FOR QUESTIONS, REACTIONS: If anyone would like to ask me any question about what the burning issues of the day mean, or what we have discussed here, or to consult on any problem, whatever it maybe, please call 0917 984 24 68, or email me at batasmauricio@yahoo.com, or post your concerns at www.facebook.com/attybatas or w w w. f a c eb o ok . c om / angtangingdaan. . Promise, I will answer right away. Thank God in the Name of Jesus, Amen!

from page 4

from page 4

Doring... from page 4

thousands of high-pressure nozzles and freezes into a cr ystalline form that’s almost like the real thing. Ski area operators have b e c om e s n ow f ar m e r s . Before the season starts, they use the snow guns to make big piles of snow in strategic spots on the m ou nt ai n . L ate r, s n ow grooming machines distribute and smooth it out. C o n s e r v a t i o n o r g a n i z at i o n s l i k e t h e International Commission for the Protection of the Alps (CIPRA), have fiercely c r it i c i z e d s n ow m a k i ng because of its energ y consumption and disruption of ecosystems like tundra and streams. And some sustainably oriented mountain resort communities have rejected it in favor of a “soft tourism” path that’s supported by both the German and Austrian alpine clubs. But ProSnow project leader Samuel Morin says snowmaking is here to stay, because resorts know that natural snow will be even less reliable in the coming decades. “Snow reacts immediately to climate change, and since the early 1990’s, snow is no longer a certainty,” Morin said in an interview lately. “The project was initially t r ig gere d by long-ter m climate concerns. And there is more variability now. The question is, to what extent can snow-making and other technical measures counteract that?” It’s a question that’s also pertinent in California, which right now is suffering floods and slum-slides after weeks of wildfires. Close to Mammoth Mountain Ski Area, about 300 miles

north of Los Angeles, skier Jamie Shectman is waiting for snow after a bone-dry fall. He says you can’t take the ski industry in isolation. A summer of destructive hurricanes and wildfires s h o w s t h a t g l o b a l l y, climate change impacts are intensifying, threatening lives and food production. More snowmaking may not be the most appropriate response. “ T h e r e ’s a t o t a l disconnect between our sport and what’s happening w i t h c l i m a t e c h a n g e ,” Shectman told in an TV interview last night. “We know it’s a high impact sport. From a karma perspective, the ski industry should be at the fore of the fight against global warming,” he says. People are thinking now about creative solutions for green winter slopes. Instead of energy-hogging sources of greenhouse gas pollution, ski resorts should become self-sufficient producers of wind, solar, biomass and hydropower, Shectman says, describing his involvement in developing a solar power project at Mt. Abrams Ski Area, in Maine. Climate change is probably outpacing our technical capabilities to a d ap t , s o s l ow i n g a n d stopping warming should be the priority. In just the past decade — the warmest in Earth’s recorded history — the snow line rose between 1,200 and 1,500 feet in the northern Sierra Nevada. Of cours e, there are regional nuances to global w a r m i n g i mp a c t s , a n d for s om e c om mu n it i e s in the Alps, with access to renewable energy and high-elevation ski slopes, snowmaking could be an inter im option to keep skiing alive. That includes the five alpine towns in France, Italy, Switzerland Austria and Germany that are part of the ProSnow pilot project this winter. All are in the mid-elevation mountain belt most susceptible to global warming. Austrian winters have s h or te n e d by 1 0 to 2 0 days since the 1950’s, and maximum snow depth has declined at all elevations and nearly all regions of the mountainous country, with small localized exceptions. T h e u n c e r t a i n t y, paradoxically, is also what why proponents say energyintensive snow-making such an indispensable part of the winter ski and tourism industry — at least for the foreseeable future. Fact is: global warming and climate change effects all of us. Worldwide. Sad to say : it’s no more five minutes before twelve. It’s already several minutes after twelve! +++ Email: dor ingklau s@ gmail.com or follow me in Facebook, LinkdedIn or Twitter or visit www. germanexpatinthephilippines.blogspot.com or www. klausdoringsclassicalmusic. blogspot.com .

Dog... from page 6

flying balls. The agility test, on the other hand, requires the dogs to jump over hurdles. PCCI, however, makes sure that the dogs remain safe throughout the competition. “A l l o u r d o g s a r e vaccinated. The Bureau of Animal Industry sends their own veterinarians to inspect their health certificates. They are vaccinated for all the contagious diseases to the other dogs. And they must also have rabies shots. It’s a must. We make sure no dogs are left in the car. Every dog show is fully air-conditioned,” Santos said. The competition, being held at the Smart Araneta C oliseum for the third straight year, has also seen a transfer of technologies among Filipino breeders and their foreign counterparts. This has enabled Filipinos to develop and train better and even win some of the rounds of the competition. For more information, visit www.ticketnet.com.ph or www.pcci.org.ph. For tickets, visit www.ticketnet.com.ph

Fraud... from page 8

notice the skimming device because it looks like the ATM card slot, and the stolen information is then stored in an illegally made ATM card to withdraw the account holder’s funds. “This is being addressed by e x ist i ng re g u l at i ons of the BSP which is the liability shift framework,” she said, adding that the fraud incidents would not b e anot her blow to t he domestic banking industry. “The bank should shoulder the loss incurred by the depositor due to skimming after its investigation finding NO fault on the part of the depositor,” she added. BDO has earlier released a statement saying it has noticed an industry-wide “e x t r a ord i n ar y r i s e” of fraudulent bank account transactions done without t h e a c c ou nt h o l d e r s’ knowledge, especially in the last quarter of 2017. It said the transactions took place in other countries. “ We a r e c u r r e n t l y running a thorough investigation process that involves tracing individual transactions, checking any ir regu l ar ac t iv it ies and identifying signals of fraud f rom m i l l i on s of v a l i d transactions everyday. This challenging task is done to ensure that all cases are a d d re s s e d a c c ord i n g l y, and that a resolution is served for all valid cases,” it said. The bank als o asked affected clients to formally file a report with the bank, through callcenter@bdo. com.ph, international tollfree number IAC +8008-631-8000, and domestic hotline number 631-8000, for prop e r f a c i l it at i on . (PNA)

0935 161 3398

856-3344 / 74-53-80


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tuesday|january 16, 2018

Members of Ut Unum Simus, a group of former seminarians from Cagayan de Oro City, hold an outreach by distributing 100 food packs at Gaston Park in Cagayan de Oro City last January 13. photos courtesy of chief insp. ariel philip pontillas

Xavier Ateneo offers full scholarships with 10K allowance to top 25 incoming freshmen The Admission and Aid Office (AAO) of Xavier University announced Monday, January 15 that full scholarships with book and uniform allowance will be given to the top 25 of the 3,440 students who recently qualified for college admission to Xavier Ateneo.

Xavier University - Ateneo de Cagayan, under its expanded financial aid program, has offered academic scholarships with book and uniform allowance to the top 25 of its 3,440 qualified college admission applicants for the forthcoming academic year 2018-2019. Named the “Xavier Ateneo President’s Scholars,” each of the 25 recipients is eligible to enroll for any undergraduate college program of their choice at Xavier Ateneo and is entitled to free tuition, matriculation, laboratory and other school fees, plus up to Php10,000 per year allowance for books and uniforms. “We are overwhelmed by the number of applicants who wanted to be admitted to our college and we thank them for their interest in Xavier Ateneo,” said university president Fr Roberto Yap SJ. “This year, we have expanded our scholarships to accommodate more students from different backgrounds who are academically-competent and dedicated to pursuing excellence. As in the university’s 84 years of existence, our Xavier Ateneo scholars have made great contributions to society and we believe this new batch of scholars will do the same in the future,” he added. The 25 are the best students from among the 1,336 inaugural senior high school batch of Xavier Ateneo who are all automatically qualified for its college level and the 2,104 other Grade 12 students who passed the Xavier Ateneo entrance exam, a test of their college readiness. The qualifying exams were conducted in November 2017 in the cities of Cagayan

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de Oro (Xavier Ateneo Testing Center), Pagadian (Holy Child Academy), Malaybalay (San Isidro College), Butuan (Fr Saturnino Urios University) and Ozamiz (La Salle University). Xavier Ateneo’s Admissions and Aid Office (AAO) released the muchanticipated master list of admission qualifiers on Monday, January 15. Nineteen of the top 25 are from XU Senior High School, two each are from Philippine Science High School - Central Mindanao campus and Gusa Regional Science High School, and one each from Nanuri International School and St Mary’s School. The selection was primarily based on their performance in the XU college readiness exam, a newly designed standardized test that measures the potential and readiness of the students for a university course in various fields of study following the country’s shift to a K+12 Basic Education. “Our priority is that Xavier Ateneo remains affordable and accessible to competent and talented students, regardless of their financial circumstances. Our scholarship and financial aid programs make it easier for our students and their parents to thrive at XU,” Yap shared. “The information on how to apply for a scholarship is also available on our website and social media accounts.” “We want the best students to enroll at XU. This scholarship is a demonstration of Xavier Ateneo’s commitment as a Jesuit higher education institution towards providing quality education and excellent future for our Jamie Aster Durano (left) and Josuanin Suarez (right) are all smiles after being crowned as Miss and Mr. Civil Engineering CDO 2018, respectively, last January 8 at USTP Gymnasium. photo by paul anthony galupo

students,” Yap said. Annual costs (two semesters) for a typical full-load student at XU total roughly Php80,000 before any financial aid (actual costs vary per course). However, typical of a Jesuit school, scholarship opportunities are made available to deserving students. Aside from the top 25, an additional 225 qualifiers have also been offered other scholarships. Based on the first semester of AY2017-2018 data of AAO, Xavier Ateneo had 316 academic scholars (including high school valedictorians and salutatorians), 281 beneficiaries of grantsin-aid, and 598 recipients of externallyfunded scholarship programs enrolled in its various undergraduate programs. Together they comprised more than 20% of XU’s 1st semester total undergraduate college student population. The top 25 have until January 30 to accept the offer of Xavier Ateneo, among the premier universities, not just in the Philippines but in Asia. Congratulations to the Xavier Ateneo President’s Scholars! AHALAJAL, JUSTINE REI R Xavier University SHS ARGAYOSO, JOSEPH EMMANUEL O St Mary’s School BACALSO, ANISSA MAE M Xavier University SHS BOTE, AGUSTIN MIGUEL N Xavier University SHS CARCUEVA, ISABELLA P Xavier University SHS CARIÑO, JHURIELLE MIKAELA B Xavier University SHS

CARRILLO, HAZEL A Xavier University SHS CHAN, DHANEANNE MARIE L Xavier University SHS DE LA ROSA, JOHN HENRY I Xavier University SHS DIZON, JULIA FRANCESCA R Xavier University SHS DOLORES, IZABELLE A Philippine Science High School - Central Mindanao DU, MATTHEW KENYON B Xavier University SHS FABRIGAS, SOL MC JHON L Philippine Science High School - Central Mindanao LOMOYA, YVES JOY W Xavier University SHS MENDOZA, FIONA GLEZEN XI P Gusa Regional Science High School NERY, ISIDORE JOHN PAULO IV C Xavier University SHS OMANDAM, NEIL ALBERN U Xavier University SHS PEREZ, CARLOS ROY C Nanuri International School PORRAS, GWYNETH GRACE C Xavier University SHS RAGANDANG, PETER IAN A Gusa Regional Science High School SALGADOS, PETER GABRIEL B Xavier University SHS SANCHEZ, CARLOS JAKE IV C Xavier University SHS SENO, CHRISTALLE BEATRIZ N Xavier University SHS TY, NICOLE JOYCE U Xavier University SHS UYGUANGCO, ENRICO RAPHAEL P Xavier University SHS

SSS posts revenues of P175B at end-Nov 2017 State-run Social Security System (SSS) said over the weekend that its revenues reached nearly P175 billion in the first 11 months of 2017 on the back of aggressive collection efforts for members’ contribution, and investment and other income. SSS President and Chief Executive Officer Emmanuel F. Dooc said the pension fund’s total revenues grew to P174.94 billion from January to November 2017, up 9.3 percent or P14.92 billion from the P160.02 billion it

earned in the comparable period in 2016. “The growth in our contribution collection is primarily due to the collection drive of the current administration of the Social Security Commission along with the efforts of SSS employees who are in direct contact with our employer- and employeemembers every day,” Dooc said. Broken down, members’ contributions, which accounted for 82.5 percent of total revenues,

grew to P144.36 billion in the 11 months ended November 2017 from P131.28 billion of endNovember 2016. Investment and other income further increased to P30.58 billion from January to November 2017 from P28.74 billion of the comparable 2016 period. It was boosted by income from government securities, equities, and salary loans amounting to P11.04 billion, P8.15 billion and P7.61 billion, respectively. sss/PAGE 11


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Unveils... from page 12

So he enlists the help of another Cagayan de Orobased artist - Bia Magtajas. A paralegal at Balaod Mindanaw, Magtajas is a perfect tandem choice. Her passion to help those who have "less in law" jives well with the tenets of JCI. Beyond that, both artists exude emotions which can instantly be seen in their 19" x 14" artworks. To describe the artworks in detail here will be a dishonor to the the ones who etched and created them. You have to come for yourself at Kagay-anon Coffee Cartel and appreciate how Gesta's coffee paintings blend with Magtajas' watercolor pieces. Kagay-an Coffee Cartel is located at Hayes-Velez. The y're op en Mondays through Saturdays from 9:00 a.m. to 12 midnight and half that on Sundays. Blends is mounted until Valentine's Day. Give some love. Help JCI Kagayhaan Gold's quest to help others. It's also a way to inspire our local talents too. Who knows, Ian can muster his solo exhibit anytime soon.

Loan... from page 1

Cane, Jr. ,principal author of “Fly Now, Pay Later Plan” program, said the prospective bonafide residents of Agusan del Sur can avail as much as P100,000 to a minimum P20,000 placement fee loans payable within 14 months after they will be hired by their foreign employers. He said he was inspired to sponsor the “Fly Now, Pay Later Plan” ordinance along with SP Members Gilbert Elorde and Agusani Ananoria because he can personally relate the financial difficulties of aspiring Overseas Filipino Workers while looking for a job abroad in Manila since he himself experienced the ordeal in 1982 when he applied and later hired as a security guard of an airline company in Saudi Arabia. “The ordinance is intended to help Agusan del Sur residents who are financially constrained to defray the costs of processing fees and other documentary expenses on their job applications,” Cane said. The soft loan, Cane said, only asks five percent flat rate interest per year. However, it is only offered to lowly aspiring OFWs whose salary would not go beyond P50,000 a month. Residents who wish to avail of the program are told to visit the Public Employment Services Office (PESO)at the Provincial Capitol to submit their documents needed for loan application aside from undergoing interview, family counseling and financial management and orientation about the program. Under the ordinance, the PESO has to check the legitimacy of the recruitment agency with the Philippine

O v e r s e a s E mp l o y m e nt Administration to ensure that the applicants will not fall victims of fraud. The provincial; government has set aside P1 million fund as initial budget of the overseas employment program.

Fund... from page 1

million for SSF projects in Marawi. She added that these SSFs aim to revive industries in Marawi such as weaving, woodworking, and brasswares among others. SSF Program provides technolog y, machiner y, equipment, tools, systems, skills, and knowledge under a shared system to MSMEs for them to improve the quantity and quality of their products services in order to increase their competitiveness in both domestic and international market. Maglaya said that around 6,000 tricycle units are needed in Marawi for mobility of people and commodities in the area. DTI’s financing arm Small Business (SB) Corp. is also looking into availing loans to finance the needs in Marawi such as acquisition of tricycle units, the trade official noted. The DTI also eyes to provide more mobile rice mills in Marawi. Even before the war hit Marawi in May 2017, the city has been the center of trading in the province and nearby areas. Maglaya added that DTI will be providing microloans through Pondo sa Pagbabago at Pag-asenso or the P3 Program, which aims to eliminate loan sharks such as the ‘5-6’ lending scheme. Through the P3, the government can lend P5,000 up to P100,000 loan to borrowers at an interest rate of not exceeding 2.5 percent per month. (PNA)

Projects... from page 1

Peninsula with total length of 277.23 kilometers and additional three bridges in the Province of Tawi-Tawi with total length of 775 lineal meters. The projects, will be financed through the USD380- million loan with the Asian Development Bank (ADB). The loan agreement was signed by Department of Finance Secretary Carlos Dominguez and ADB President Takehiko Nakao last Jan. 10. “The whole project costs PHP25.257 billion. With the ADB loan, we can utilize more of our budget to other key infrastructure projects of the government,” Villar said in a statement. Villar said three core projects --23.69-kilometer A l i c i a - Ma l ang a s R o a d ; 17.1-kilometer TampilisanSandayong Road; and 37.49-kilometer LutimanGuicam-Olutanga Road with 440-lineal meter Guicam Bridge -- are for procurement on the first quarter of 2018. While the detailed

engineering design of five more projects, namely: the 55.25-kilometer R.T. LimSiocon Road; 40-kilometer L an a o - Pa g a d i an - Ipi l Zamboanga Road ; CuruanSibuco Road; 34.5-kilometer Siay-Gapol Road; and the 27.76-kilometer GutalacBaliguian Alternative Road, is now 80% complete. Also up for implementation are three bridges in Taw-Tawi, namely: Malassa-Lupa Pula; Tongsinah-Paniongan; and Nalil-Sikkiat . “All these projects have the common goal and in line with the strategies of Build…. Build….Build by accelerating infrastructure development to support Mindanao development by increasing t he capacity of Br unei D ar uss a l am - Ind one s i a Malaysia-Philippines East ASEAN Growth Area (BIMPEAGA) road network and improving and widening of existing roads and bridges to upgrade and expand the Philippine road network”, Villar said. The DPWH chief added that the roads and bridges are among the agency’s priority projects as it focuses on backing the economic development outside Luzon, in this case of the Mindanao Area. The project is ADB’s first support for a regional project in the “Golden Age of Infrastructure” under the President Rodrigo R. Duterte administration. (PR)

Ends... from page 1

allegedly drained at the nearby Iponan river. The councilor tasked to investigate the matter, Suzette Daba, convened her task force and reported that water samples taken from various points in Iponan river last December were found to have passed standards. In October, San Simon barangay chair Rodolfo Nacario presented a complaint before the city council, alleging of tilapia fishkill along San Simon’s bank of the river. He also attributed skin rashes of his constituents who bathe in the river to the sanitary landfill that is located upstream. Before councilors assigned Daba to probe the matter, City Hall had already presented an Environmental Management Bureau (EMB) November report which showed that wastewater sampling is within lawful standards in terms of acidity, temperature, biochemical oxygen demand and dissolved oxygen. But during the last week of November, Daba ordered the task force to expand the water samplings to include all points in Iponan river both upstream and downstream. She also told the task force to submit a separate batch of samplings to the Department of Science and Technology (DOST) 10 to ensure a corroboration of results. On January 10, the EMB 10 and DOST 10 released separate reports, both stating that all water samplings have passed all baselines.

With the release of the report, Daba concluded her investigation on the matter.

Office... from page 2

f i r s t h e a d of t h e s ai d department. The governor commended Board Member Gerardo “Boboy” Sabal for sponsoring such approved measure in Sangguniang Panlalawigan. Emano added the Provincial Government would realign some budget to fund the newly created department, which was previously under the Office of the Governor. As of now, Emano said current budget for the Tourism Department is P5 million a year. (PIO)

Alternative... from page 2

integrate, coordinate, supervise and control all plans, programs, projects and activities of the government relative to energy exploration, development, utilization, distribution and conservation. Sharing the DOE functions, Arzadon stressed that in partnership with the different stakeholders, the department shall improve the quality of life of the Filipino by formulating and implementing policies and programs to ensure sustainable, stable, secure, sufficient, and accessible energy. He added that in pursuit of this mission, they commit to render efficient service with utmost integrity and professionalism. “We seek to promote judicious conser vation, re n e w a l , a n d e f f i c i e nt utilization of energy, and also to ensure a continuous, adequate and economic supply of energ y,” said Arzadon. In advancing the Alternative Fuels Program, DOE Senior Science research Specialist Roselle Ibuna also enumerated the AutoLPG for Transport program, locally sourced natural gas as fuel, and electric vehicles program. “One of our objectives is to create a long term benefit to the people and the environment through the use of alternative fuels. That’s why we are mainstreaming and encouraging the public to apply AFET,” emphasized Ibuna. On the part of PIA, Dr. Emelyn Libunao, Program and Management Division staff director, briefed the participants on the role of the agency in the DOE’s campaign on AFET being the communication arm of the government. She emphasized the importance of advocating alternative fuels, which is contributory to national development. “When people are aware, informed and have access on the opportunities, programs and services of the government, they become empowered,” underlined Libunao. Moreover, the AFET ro admap envisions t he successful adoption and commercialization of alternative fuels and energy

technologies through strong and collaborative partnership with the private sector and full government support i n p rov i d i n g e n a b l i n g mechanism and buildingup local capacity for research and development in emerging energy technologies. The forum was participated by students, representatives from transport/drivers/ operators sector, barangay officials, government information officers and local government staff, and personnel from academe. (VLG/JPG/PIA-Caraga)

Amado D. Valdez said the Commission shall adopt measures that will ensure the stability of SSS financial position. SSS total resources as of end-November 2017 stood at P493.29 billion or P16.89 billion higher than 2016 year-end level of P476.4 billion.

SSS...

from page 10

“ To t a l i nv e s t m e nt s , representing 92.6 percent of the pension fund’s total assets, rose by P16.68 billion due to additional placement in government bonds, new salary loans releases including restructured member loan accounts, and the reclassification of real estate properties,” Dooc explained. Likewise, end-November benefit payments in 2017 were higher at P157.39 billion compared to the P123.17 billion recorded in the same period in 2016, as hiked up by the P30.85 billion in total releases for the P1,000-additional benefit for pensioners. “The pension adjustments arising from the un-lumping of 1985 to 1989 contributions which we began to release to SSS death, retirement and disability pensioners in 2016 correspondingly increased benefit disbursements. The 3rd and 4th tranches of these pension adjustments that were released in June and September last year in the amount of P72.43 million and P66.92 million, respectively, contributed to the entire amount of benefit payments for that period ended in November. Also, the earlier tranches of adjustments released in in June and November 2016 have still an effect on 2017’s total disbursements for benefits.” he added. Payments for retirement benefit made up the bulk of total benefit disbursements at P91.22 billion from January to November 2017, 25.72 percent higher than the P72.56 billion released in the same period in 2016. Likewise, benefit payments for death and maternity increased to P49.04 billion and P5.56 billion, respectively. Expenditures for disability, funeral grant, and sickness benefits rose to P5.71 billion, P3.50 billion, and P2.35 billion, respectively, while expenditures dropped to P11 million for medical services, and P1.48 million for rehabilitation services. Operating expenses of the pension fund, which included personnel services and maintenance, and other operating expenses were slightly lower by 0.4 percent to P7.86 billion at endNovember 2017 compared to the P7.89 billion of the comparable 2016 period. Meanwhile, Social Security C ommission C hair man

EXTRA-JUDICIAL SETTLEMENT WITH A DEED OF ABSOLUTE SALE OF A PARCEL OF LAND Notice is hereby given that the intestate estate of PORFERIA TACBAS ACUNO, who died on June 05, 1998 at AMOROS, EL SALVADOR CITY, MISAMIS ORIENTAL; That the said deceased, at the time of their death, left a Parcel of Land situated in AMOROS, EL SALVADOR, MISAMIS ORIENTAL; TCT No. T-25437; A PARCEL OF LAND (Lot 7674-B, Psd10-022823, being a portion of Lot 7674, Cad-237, Cagayan Cadastre) situated in the Barrio of Amoros, Mun. of El Salvador, Prov. Of Misamis Oriental, Island of Mindanao. Containing an area of THIRTY THREE THOUSAND SIX HUNDRED FORTY TWO (33,642) SQUARE METERS, more or less. PORFERIA TACBAS ACUNO is the subject of EXTRA-JUDICIAL SETTLEMENT WITH A DEED OF ABSOLUTE SALE OF A PARCEL OF LAND; is made and entered among; LUISA ACUNO FABRIA (widow), LOURDES ACUNO FABRIA (widow), VERGINIA ACUNO FABRIA (widow), FELIPE ACUNO FABRIA (single), EUSEBIO ACUNO FABRIA (deceased) rep. by: HERMOHENIS G. FABRIA, JR. (single), all of legal age, Filipino citizens, with residence and postal address at Amoros, El Salvador, Misamis Oriental, hereinafter referred as the HEIRS/SELLERS/VENDORS; BONN JAYNUS A. LORA, of legal age, Filipino citizen, single, with residence and postal address at #286 Jose Velez St., Apovel Subd., Bulua, Cagayan de Oro City, hereinafter referred to as the BUYER/VENDEE; That for and in consideration of the sum of TWO HUNDRED FIFTY THOUSAND PESOS ONLY (Php 250,000.00) Philippine Currency, receipt of said amount is hereby acknowledge by the SELLER/VENDOR after the amount is paid in hand by the BUYER/S or VENDEE/S the SELLER/S or VENDER/S hereby SELL, CEDE, TRANSFER and CONVEY the above-described properties ONLY A PORTION OF FIVE THOUSAND EIGHT HUNDRED FIFTY FIVE POINT FIVE (5,855) SQUARE METERS, more or less, LOT NO.: 7674B-4 in favor of the BUYER or VENDEE his/her heirs, assigns or successors-in-interest, free from any liens and encumbrances, free from any third-party claimant whomsoever and the same is nontenanted. Under Notary Public of Atty. EMELITO J. MARQUINO; Doc. No. 428; Page No. 85; Book No. XIV; Series of 2017. BWM: January 3, 10 & 17, 2018


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JCI Kagayhaan Gold unveils artworks to fund projects By MARK FRANCISCO, Lifestyle Editor

ALWAYS a dynamic thinker, JCI Kagayhaan Gold president Owen Jaen is a perpetually restless person. He always concocts ideas in his mind on what projects his club would pursue and how to fund them. One idea sticks out holding an art exhibit and the artworks to interested patrons, eventually helping fund JCI Kagayhaan Gold's projects for the rest of the year. And so Blends was born.

It all started when JCI Kagayhaan Gold member Christian Gesta and Jaen were having a typical chitchat. In the course of their conversation, Jaen knew about Gesta's pastime which is coffee painting. He immediately invited Gesta to spearhead an art exhibit for JCI Kagayhaan Gold. Gesta was at first hesitant. (He only had two exhibits prior.) But Jaen was able to convince him because it was for the club's projects.

Jaen has many projects lined up for this year - sustaining a literacy program for streetchildren in 31st St., Nazareth, teaching life skills to female inmates at the Cagayan de Oro City Jail, teaching students at Masimag Elementary School in Talakag, Bukidnon about nutrition and hygiene, etc. He definitely needs all the help he can get. But Gesta could not muster to do it alone. Not yet. unveils/PAGE 11

IDC Gives Back to Community

For less than a decade of implementing its advocacy, Italpinas Development Corporation once again hosted community services as their year-end presents to the local community. Last December 2017, two of the major activities held are tree planting and outreach. During the bamboo planting at Brgy. Baluarte, Lumbia CDO, the staff and salesforce of IDC teamed up with CLENRO-City Local Environment and Natural Resource Office. At the same time, IDC threw

pre-Holiday parties separately to more than 50 people from Home for the Girls and Home for the Aged. IDC hopes to be partnering with other organizations for their community projects for this year 2018. “At Italpinas, this is our little ways in taking part of community building. This year, we hope to come up with more fruitful activities and programs than can truly benefit not just the environment but also the people in need,” said Ms. Frances Mae Galvez, Brand Manager. “We are also open

to be partnering with other organizations to make all programs successful,” added Galvez. “Nothing is more fulfilling than helping a community without expecting something in return. I am happy that as an employee of IDC, I am able to work with other organizations hand in hand in holding community service activities,” said Kim Namocatcat, Marketing Staff. IDC has been actively supporting community programs, partnering with various civic organizations and foundations.


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