businessweek mindanao (february 11-12, 2013 issue)

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Market Indicators US$1 = P40.67 6,458.67 points X FOREX PHISIX AS OF 5:58 PM FEB. 8, 2013 (Friday) X 4 cents 1.32 points Briefly Wage hike in CdO SOME 3,000 city hall workers would receive the fourth tranche of their salary increase retroactive January 2013 on February 15, City Mayor Vicente Emano said on Friday. Emano said that the fourth tranche was the last in a series of salary increases implemented by the city government in the last two years in compliance with the salary standardization law. The mayor hoped that aside from giv- ing benefit to the em- ployees’ families, the increase would also serve to motivate them to work even more ef- ficiently. More infra for Zambo DIPOLOG City -- It was sweet music to the ears of the resi- dents of Zamboanga del Norte as Presi- dent Aquino assured them that there will be more infrastructure and social projects to be poured in the province under his administration. The President gave this assurance on Tuesday before the officials, faculty, and students of Andres Bonifacio College dur- ing the inauguration of the Graduate and Professional School (GPS) building of the Andres Bonifacio Col- lege this city. One of the infra- structure projects to be given priority by the Aquino administration is the upgrading of the Dipolog City Airport which is expected to be completed by 2016. P15.00 Issue No. 162, Volume III February 11-12, 2013 Monday-Tuesday Cagayan de Oro City Editorial and advertising email : [email protected] • Cell Number : 0917-7121424 • 0947-8935776 NOW every Mondays, Wednesdays, & Fridays BusinessWeek www.businessweekmindanao.com YOUR LOCAL ONLINE BUSINESS PAPER MINDANAO UP TO 15% DISCOUNT ON DOWNPAYMENT DOWNPAYMENT- UP TO 12-24 MONTHS TO PAY BALANCE PAYABLE IN 10 YEARS @ 10% FLAT RATE J.P. RIZAL - CRUZ TAAL STS., (NEAR SHANGHAI BAKERY) DIVISORIA, CAGAYAN DE ORO CITY More foreign supports expected for M’danao D AVAO City -- Mindanao has now been placed in the radar of foreign countries extending Official Devel- opment Assistance (ODA) after it hosted the 2013 Philippines Development Forum (PDF) which was attended by development workers and ODA providers. “This is the beauty of holding the conference here because the ODA partners now get a feel of Mindanao,” Finance Secretary Cesar Purisima said. While the stock of ODA commitments now is the result of processes prior to the Conference, he said, that will definitely change hope- fully in favor of Mindanao which was given a special session during the PDF. But it was not just Mind- anao which was discussed, he said, since the main agenda was the social contract of President Benigno S. Aquino III to the people. The Confer- ence included other press- ing issues like governance, economy and climate change. “The donor partner fi- nancing is very small and is less than five percent,” World Bank Country Di- rector Motoo Konishi said. However, he added, the goal of the ODA is not money but the sharing and transfer of knowledge to the Philippines. As provided under Re- public Act 8182 or the ODA Act of 1996, the ODA loan is Two innocent-looking young kids in Lantapan, Bukidnon seemed unmindful of what the future hold for them. PHOTO BY SHAUN ALEJANDRAE YAP-UY Mrs. Hanepbuhay builds 100 pilot centers for livelihood projects A TOTAL of 100 pilot cen- ters have been established in various provinces across the nation in a bid to dupli- cate the livelihood centers or green social enterprises initiated in Las Pinas City by former Rep. Cynthia Villar. Villar, who has earned the moniker, “Misis Hanep Buhay,” has successfully provided livelihood to over 500 families in Las Pinas. She noted that liveli- hood projects in Las Pinas were very successful and sustainable up to now. “So I thought I should share these experiences Gov’ts urged to invest in making countries resilient to disasters By BONG D. FABE Correspondent report Investing in Resilience: Ensuring a Disaster-Resistant Future, urged governments to strengthen disaster re- silience. It also encouraged them to offer disaster risk financing instruments such as calamity funds, tax credits and catastrophe bonds. The report, released on January 31, 2013, stressed that risk financing is key to ASIAN and Pacific govern- ments, including the Philip- pines, and their development partners have been urged to adopt a coordinated approach to disaster resilience espe- cially since disaster losses are increasing more quickly in Asia than in other regions. The Asian Development Bank (ADB), in its 188-page SUPPORTS/PAGE 8 INVEST/PAGE 10 BUILD/PAGE 8

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BusinessWeek Mindanao (February 11-12, 2013 Issue)

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Page 1: BusinessWeek Mindanao (February 11-12, 2013 Issue)

Market Indicators

US$1 = P40.67 6,458.67 pointsX

FOREX PHISIX

AS of 5:58 Pm feb. 8, 2013 (friday)

X4

cents1.32

points

BrieflyWage hike in CdOSOME 3,000 city hall workers would receive the fourth tranche of their salary increase retroactive January 2013 on February 15, City Mayor Vicente Emano said on Friday. Emano said that the fourth tranche was the last in a series of salary increases implemented by the city government in the last two years in compliance with the salary standardization law. The mayor hoped that aside from giv-ing benefit to the em-ployees’ families, the increase would also serve to motivate them to work even more ef-ficiently.

More infra for ZamboDIPOLOG City -- It was sweet music to the ears of the resi-dents of Zamboanga del Norte as Presi-dent Aquino assured them that there will be more infrastructure and social projects to be poured in the province under his administration. The President gave this assurance on Tuesday before the officials, faculty, and students of Andres Bonifacio College dur-ing the inauguration of the Graduate and Professional School (GPS) building of the Andres Bonifacio Col-lege this city. One of the infra-structure projects to be given priority by the Aquino administration is the upgrading of the Dipolog City Airport which is expected to be completed by 2016.

P15.00Issue No. 162, Volume III • February 11-12, 2013Monday-TuesdayCagayan de Oro City

Editorial and advertising email : [email protected] • Cell Number : 0917-7121424 • 0947-8935776

Now

every Mondays,

wednesdays, & Fridays

BusinessWeek www.businessweekmindanao.com

YOUR LOCAL ONLINE BUSINESS PAPERMINDANAO

up to 15% discount on downpaymentdownpayment-up to 12-24 months to paybalance payable in 10 years @ 10% flat rate

J.P. RIZAL - CRUZ TAAL STS.,(NEAR SHANGHAI BAKERY)DIVISORIA, CAGAYAN DE ORO CITY

More foreign supports expected for M’danaoDAVAO City -- Mindanao has now

been placed in the radar of foreign countries extending Official Devel-

opment Assistance (ODA) after it hosted the 2013 Philippines Development Forum (PDF) which was attended by development workers and ODA providers. “This is the beauty of holding the conference here because the ODA partners now get a feel of Mindanao,” Finance Secretary Cesar Purisima said. While the stock of ODA commitments now is the result of processes prior to the Conference, he said, that will definitely change hope-fully in favor of Mindanao which was given a special session during the PDF. But it was not just Mind-anao which was discussed, he said, since the main agenda was the social contract of

President Benigno S. Aquino III to the people. The Confer-ence included other press-ing issues like governance, economy and climate change. “The donor partner fi-nancing is very small and is less than five percent,” World Bank Country Di-rector Motoo Konishi said. However, he added, the goal of the ODA is not money but the sharing and transfer of knowledge to the Philippines. As provided under Re-public Act 8182 or the ODA Act of 1996, the ODA loan is

Two innocent-looking young kids in Lantapan, Bukidnon seemed unmindful of what the future hold for them. photo by shaun alejandrae yap-uy

Mrs. Hanepbuhay builds 100 pilot centers for livelihood projects

A TOTAL of 100 pilot cen-ters have been established in various provinces across the nation in a bid to dupli-cate the livelihood centers or green social enterprises initiated in Las Pinas City by former Rep. Cynthia Villar. Villar, who has earned the moniker, “Misis Hanep Buhay,” has successfully provided livelihood to over 500 families in Las Pinas. She noted that liveli-hood projects in Las Pinas were very successful and sustainable up to now. “So I thought I should share these experiences

Gov’ts urged to invest in making countries resilient to disasters

By BONG D. FABECorrespondent

report Investing in Resilience: Ensuring a Disaster-Resistant Future, urged governments to strengthen disaster re-silience. It also encouraged them to offer disaster risk financing instruments such as calamity funds, tax credits and catastrophe bonds. The report, released on January 31, 2013, stressed that risk financing is key to

ASIAN and Pacific govern-ments, including the Philip-pines, and their development partners have been urged to adopt a coordinated approach to disaster resilience espe-cially since disaster losses are increasing more quickly in Asia than in other regions. The Asian Development Bank (ADB), in its 188-page

supports/PAGE 8

invest/PAGE 10

build/PAGE 8

Page 2: BusinessWeek Mindanao (February 11-12, 2013 Issue)

expands/PAGE 8

0917-7154399088-856-8562/63

aMenities : ZORBIT * ATV * TREE TOP ADVENTURE BUGGY * BUNGEE

* PICNIC GROUNDS PLAYGROUND * CAFE * LUGE * MINI GOLF ROOM

ACCOMODATIONS

Economy2 Monday - Tuesday I Feb. 11-12, 2013 BusinessWeek www.businessweekmindanao.com

YOUR LOCAL ONLINE BUSINESS PAPERMINDANAO

DA’s Sikat Saka expandsKORONADAL City -- Rice growers in South Cotabato and Sultan Kudarat provinces can now avail of the loan assistance from the Depart-ment of Agriculture under the “Sikat Saka” program. DA 12 regional execu-tive director Amalia Jayag-Datukan said both provinces in Soccsksargen Region were included in the expansion of

the program as these were among the top 20 rice-producing provinces in the country in 2011. Agriculture secretary Proceso Alcala last year launched the loan window in four provinces, namely: North Cotabato, Nueva Ecija, Iloilo and Isabela. Some P400 million was allotted for the program’s

initial offering. Under the program, rice farmers are granted loans amounting to P42,000 per hectare per cropping of hybrid rice and P37,000 per hectare per crop-ping of inbred rice. Datukan said, the expan-sion of the project is good news to farmers in both provinces because they too would be able to avail of the benefits that farmers in North Cotabato received last year. Romeo Declarador, a rice grower in Tulunan town of said province, in September earned a net of P102,000 from his 1.5 hectare rice field after a single cropping season from a P50,000-grant he received from DA. De-clador was among the first beneficiaries of Sikat Saka. Director Datukan urged farmers in Sultan Kudarat and South Cotabato to take advantage of the opportunity. With this loan assistance from Sikat Saka, she said, farm operations would be easier because farmers are provided with funds that they may use for the farming requirements. She added, the loan as-sistance program, which DA implements with the Land-Bank of the Philippines is an

indigenous technologies are finally uprooted and replaced by totally strange approaches. In fact many believed that indigenous products and technologies have been replaced and owners of said indigenous knowledge sys-tems are finally gone. But, cognizant of their very rich indigenous culture and prac-tices, the IPs, particularly the Higaonon Tribes had for themselves the preservation and maximization of their local native technologies. One particular product-technology I had observed as special for this tribe is the production of “Agkod” from Aglay/Adlai. In fact, there have been attempts by an agency that experi-mented on an a strategy to document and popularize this traditional yet matured community-based technol-ogy inorder to gain support for further research and eventually, give particular credit to the Higaonon’s practice of using the Agkod” as a ritual drink. Getting to know Adlai or

Aglay People in the lowlands believe that Adlai is a new discovery in the agricul-tural industry because its potentials have just been discovered through research and experiments by the aca-demic community. Accord-ing to MASIPAG Mindanao, there are two major species of Adlai/Aglay, the 1) Coix

lacryma-jobi var.lacryma-jobi and 2) lacryma-jobi var.ma-yuen. Accordingly, the first one is being utilized as beads and is usually subsists in swamps and other water-logged areas, while the latter is the one harvested as a cereal food by the natives. At first, many had thought that utilizing Aglay/Adlai are just part of Higaonon’s lifestyles brought about by ‘have-lessness’ which pushed them to just settle in for a particular unpopular tradi-tional plant rather than corn and rice of the lowlanders. But, much to our expecta-tions, these Higaonons are in fact more advanced than us lowlanders in getting personal knowledge of an alternative source of food to do away with food in-securities. Because recent research results of MASIPAG Mindnao , Adlai/Aglay: Is more nutritious than rice and corn, for it is high in protein and also contains calcium, phosphorus, iron, Vitamin A, thiamine, ri-bof lavin and niacin helps enhance/increase food bio-diversity is tolerant to pest and diseases can ratoon, hence minimal cost of pro-duction. It only requires a single land preparation and planting but you can harvest 3-5 times, and there is no need for irrigation. It is resilient to drought and f lood. One round of weed-ing is enough and does not

Unpopular yet Vital:

The AgKod and the Aglay/Adlai of the HigaononsBy ANNALYN BAUTISTA-ALENTON to government initiatives.

As creatures of habit, to-tally dependent on the wealth of the natural environment, many IP Communities have been resistant to change. This is primarily because of the discomfort and uncertainty that change, particularly technological and cultural invariably introduce. In to-day’s environment, however, few can afford to ignore the

need to adapt to an always-changing landscape. The dy-namics of a global economy, the constant introduction of innovative technologies and the relentless emergence of competitors have contributed to what many are calling a transformation imperative. And many have thought that IP communities are greatly affected because their tradi-tional practices and matured

HISTORICALLY, IP’s who have sad experiences in hav-ing been given less priority in the development process and technological advancements, being culturally scorned and prejudged as “ignorant,” and has “no technical know how” have become traumatic experiences for them, mak-ing them less participative

require chemical synthetic fertilizer application is a low input-requiring crop tastes like the regular rice produced by the majority of the farmers. In an article found in BAR Chronicle Vol.11 No. 7, Adlai is used as a cereal in the same way as rice in other parts of Asia. In fact, it is also used in soups ad broths as in Southern Vietnam where Adlai is the main ingredient of its sweet and cold soup. Recent experiments on the usefulness of Adlai revealed that tonic drinks like beers and wines can be made from fermented grains of Adlai. In Japan, aged vinegar is produced in Korea, a thick drink aptly called Yulmu cha is made from powdered adlai and another liquor is produced from a combina-tion of Adlai and the regular rice called orkujo. Its advantages continue on into herbal medicine as Adlai is said to be a folk remedy for a wide range of ailments. For the Higaonons, however, these technologies are not new to them. For generations, Adlai has been their special staple food and as a major raw material for a tonic and medicinal drink called “Agkod”. But, just what is “Agkod”? According to Datu Mampa-haluna, a Higaonon Tribal Chieftain of the Higaonon Tribe in Misamis Oriental,

higaonons/PAGE 4

Page 3: BusinessWeek Mindanao (February 11-12, 2013 Issue)

Economy

3BusinessWeek www.businessweekmindanao.com

YOUR LOCAL ONLINE BUSINESS PAPERMINDANAOMotoring Monday - Tuesday I Feb. 11-12, 2013

KIA Motors Corp., South Korea’s second-largest automaker, said Friday that it has unveiled a concept car of its large hybrid crossover vehicle at the Chicago Auto Show as it looks into offer-ing a full-size luxury crossover. The Cross GT -- 8.4 inches longer, 4.9 inches wider and 1.6 inches shorter than Kia’s award-winning Sorento -- fea-tures Kia’s signature grille and cuts an imposing figure. “The debut of the GT in 2011 heralded a new frontier for Kia, both from a design and a business perspective,” Peter

Schreyer, Kia Motors Corpora-tion president and global chief of design, said in a statement released by Kia. “It beautifully illustrated to the world that the brand was ready to explore the possibility of perhaps one day offering a full-size rear-drive luxury saloon,” the president said. “The Cross GT, with its raised stance and large cargo area, allows us to envision the GT in the form of a full-size luxury crossover.” The four-door car is powered by an efficient hybrid powertrain that utilizes a state-of-the-art

3.8-liter V6 hybrid, 8-speed automatic and torque-vectoring all-wheel-drive, according to the company. It also said the hybrid pow-ertrain looks to reduce the ve-hicle’s carbon footprint while providing the uncompromising performance that’s expected of a large, luxury crossover. “While strictly a concept pow-ertrain, Kia’s proven hybrid tech-nology, combined with all-wheel drive are thought-provoking ideas that may one day find their way into a production vehicle,” Kia said in the statement.(PNA)

Page 4: BusinessWeek Mindanao (February 11-12, 2013 Issue)

4 Monday - Tuesday I Feb. 11-12, 2013 BusinessWeek www.businessweekmindanao.com

YOUR LOCAL ONLINE BUSINESS PAPERMINDANAOBillboardRotary-Nissan partnership drives Golf for a CauseTHE Rotary Club of Cagayan de Oro (Mother Club) and Nissan Pilipinas have joined forces to ensure the suc-cess of “Golf for a Cause” scheduled for February 14-17, 2013 at the world-class championship Pueblo de Oro Golf Course in Cagayan de Oro City. “The Rotary Club of Cagayan de Oro (RC CDO), Rotary Foundation and Nis-san are coming together to raise funds for a training center for the Indahag Re-location Site which houses 1,700 households who were displaced by Tropical Storm Sendong,” said Marillo Paa-

no, club president. “With the cooperation of Habitat for Humanity, the Depart-ment of Social Welfare and Development (DSWD), the city government and con-cerned citizens, the center will provide basic techni-cal skills for both men and women to help them seek employment.” “Nissan Universal Mo-tors Corporation welcomes this opportunity to work alongside the Rotary Club of CDO on this laudable project,” said Honeymae A. Limjap, assistant vice president, marketing and sales, Universal Motors Cor-

poration. “Together with our local partner Nissan Cagayan de Oro, we find it a worthy endeavor to invest in the future of the Sendong victims through the training center.” Carlos Gorospe, past president and project chair, said they are inviting fellow Rotarians and golfers from all over the region to enjoy the tournament and help do their bit in helping the Sendong victims. “We will be giving away a brand new Nissan Navarra pick-up courtesy of Nissan Universal Motors Corpora-tion to the first hole-in-one

winner,” said PP Gorospe. “We will also give away P100, 000 to other hole-in-one winners in three par 3 holes.” Other prizes/awards await participants with the lowest gross and lowest net (36 holes); Class Champions and Runners-ups for Class A, B, C and D (18 holes) as well as to the Ladies Champions. Reg ist rat ion is on ly P1,500 for two-days play with prizes awaiting the first 50 registrants and tokens for the first 250. Other major sponsors for Golf for a Cause include Rep. Peter M. Unabia (1st District, Misamis Oriental),

Opol Bgy. Capt. Max Seno, MAA General Assurance Phils., Inc., Pioneer Insur-ance & Surety Corporation and Stronghold Insurance Co. Inc. Hole Sponsors include the following: We-Fix Construc-tion/Casa Isabella, Kingston Lodge, Vertical Builders, Mocha Trucking/Triland Management, TThS Golf Group, Kim In Su Enter-prise, Hosanna Academy, Puerto Community Hospital, PDG Tinnex & PP Devin Jaraula, Suvisco Industries Inc., Barangay Nazareth, Galam Music Lounge, WMC Cold Storage, Oroport Cargo Handling Services Inc., First Gusa Caltex, Shabu-way Hot Pot Cuisine, DBP Northern Mindanao, DBP Northeast-ern Mindanao, King’s Cross Development Corp., Boysen Pacific Paints, DML Truck-ing, Maxandrea Hotel/8’s Hightime, UCPB Cogon Branch, UCPB Velez Branch, Virginia Food Inc., Champs, La Ilongga-Ororama, Col-gate-Palmolive Phils. Inc.,

Pelican Industrial Sales, PE Ferdie & Ja Bernasor, Llanillo - Romero Optical Clinic, Triple Jr, Fours Agritrade Inc., Alegria Hills, Claren-zon Marketing, Messrs. Ed Gulle & Benjie Calo, Engine Pro Motor Corp. & Denvi and Lito Cabrera, Sterling Savings Bank & Midway White Beach Resort/Minkay Restobar, Leonardo-Vicente Associates & Consolidated Bldg. Maintenance, Inc., Rep. Maximo B. Rodriguez, Jr., Paceman Multi-Purpose Cooperative and San Miguel Corporation. The organizers also wish to acknowledge the assistance received from the follow-ing: Star-Ads, Ultra Craft, Modtrade, Seda Hotel, Red-brick, Crocs, Nature’s Spring, Parasat Cable TV and Pryce Plaza. BusinessWeek Mindanao, Mindanao Daily News, Min-danao Star, The Cagayan de Oro Times and BWM Magazine are the exclusive print media partners for the tournament.

DSWD-10 highlights solidarity in 62nd Anniv

By REcThIE T. PAcULBA supported the Agency such as the 52nd Engineer Brigade under the leadership of Colonel Mutiangpili. That Secretary Corazon Juliano-Soliman was adopted by the local government unit of Cagayan de Oro as daughter of the city in recognition of her leadership during the relief, early recovery, and rehabilita-tion operations is considered part of the accomplishment of DSWD. “The growing number of program and project ben-eficiaries of our core anti-poverty programs, like the Pantawid Pamilyang Pilipino Program, Kapit-Bisig Laban sa Kahirapan-Comprehensive and Integrated Delivery of Social Services (Kalahi-Ci-dss), Sustainable Livelihood Program, and other social protection programs shows that the DSWD is shifting towards realizing its vision as a lead role in social welfare and development at an inter-national setting,” Solamillo said. During the culmination night, recognition and tes-timonies were given to the Agency’s retirees, and loyal employees received special awards. The winners of the Department’s sports festival among the employees were also announced that night. (RTP-PIA10)

THE Department of Social Welfare and Development (DSWD) Field Office 10 cel-ebrated its 62nd anniversary, with the theme “Sama-samang Husay, Tungo sa Tagumpay,” by recognizing their partner agencies which greatly helped in the proper implementation of social welfare projects and have provided support during the past calamities that hit the region. In their culmination night held at Pearlmont Inn on February 1, Atty. Araceli F. Solamillo, DSWD-10 regional director, shared that, “DSWD has advanced its vision of a society where Filipino indi-viduals, families and com-munities are empowered to attain an improved quality of life such that the Department becomes the world standard in the delivery of coordinated services and social protection programs by 2030.” She also expressed her utmost appreciation to their partner agencies and dedicated staff who worked hard espe-cially during the onslaught of tropical storm Sendong. For their core shelter proj-ect, Solamillo reported that the Department has already built 2,357 core shelter units as of January 25, 2013 with the aid of various offices that

drink for the Datus and the Tribal Leaders. The once thought to be new discoveries, the Adlai/Aglay are naturally grown in the fertile lands of the IPs. In fact, these traditional rice just grow anywhere in their forestall lands and are thought to be gifts from the Mambabaya (the Creator). Now, this crop is mas-sively promoted as an alternative to commercially grown rice with all its advantages inorder to discourage rice importation. The tonic drink “Agkod” has been documented as a mature indigenous technol-ogy by the Technical Education and Skills Development Authority and has been promoted for wide acceptance and production as a livelihood activity.

Higaonons...from page 2the “Agkod” is a native tonic drink of the Higa-onon tribe and used during special ceremonies and events. It is primarily made from the fermentation of Aglay or Adlai (native cereal) and Tapay. The Tapay is a dried mixture of ginger and rice, pulverized, and mixed with cooked Aglay/Adlai then, wrapped in banana leaves for 3-4 nights before it is placed in a jar for aging. The natives believe that drinking Agkod can do well to the body and mind making them physically agile and mentally alert and sharp. That is the reason why this drink is especially used during rituals and considered as a tonic

Page 5: BusinessWeek Mindanao (February 11-12, 2013 Issue)

5Monday - Tuesday I Feb. 11-12, 2013

BusinessWeek www.businessweekmindanao.com

YOUR LOCAL ONLINE BUSINESS PAPERMINDANAO

Page 6: BusinessWeek Mindanao (February 11-12, 2013 Issue)

Opinion6 Monday-Tuesday I Feb. 11-12, 2013 BusinessWeek www.businessweekmindanao.com

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Going through hot water

Small Business: Words of Advice(First of two parts)

THINK a minute… “A tea bag isn’t worth much until it’s been through some hot water.” There’s a saying in boxing: “Ev-erybody’s got a plan—until they’ve been hit!” Sooner or later, life is going to hit and knock you down. Whether you get back up or not is your choice. Almost all people’s successes are built on their former failures. A very successful man was asked if he had ever failed. He answered: “Only in life.” The fact is, even after we’ve been knocked down we can still use our past mistakes and failures to build a bridge to our success.

LAST week, I received a special coffee table book entitled, “Small Steps to Suc-cess: Celebrating 10 Years of Partnership with Microen-trepreneurs.” The book featured 10 microentrepreneurs who have received the “Citi Mi-croentrepreneur of the Year” Award since the program was conceived 10 years ago. “Their compelling stories lend a face to our philan-thropic investment in the field of microfinance and microenterprise develop-ment,” said Sanjiv Vohra, Citi Country Officer for the Philippines. Vohra added, “From their humble beginnings, these men and women are now shaping the future of their communities.” In this week and next week’s column, allow me to share with you some pearls of wisdom from these amazing

You know that you’re the only one who can kill your dream by quitting. Remem-ber that just falling in the water is not what drowns you; it’s staying down there that does. Just like kites f ly high because the wind pushes against them, so problems that oppose you can actu-ally help you succeed, if you choose to believe and use them that way. There was a man who was the only survivor from a shipwreck. He drifted to an uninhabited island where he built a hut for his shelter. One evening af ter he returned from searching for food, he found his little

hut on fire. Early the next morning he awoke to find a ship that had come in during the night. When the captain came on shore he told the man: “We saw your smoke signal so we came to rescue you.” Everything this man owned and valued in his hut had to be destroyed before he could be saved. Sometimes our Maker even uses our pain to get our attention, so we can learn our most important lessons for living well and wisely. So why not ask Jesus Christ to take charge and lead you through the hot water you’re in now? He’s

the only one who can help you change your pain and problems into peace and prosperity for you and your family. The choice is yours. Just think a minute…

Reaching God

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ciMagala/PAGE 10loreche/PAGE 10

JHAN TIAFAU HURST

Think a minute

FR. ROY CIMAGALA

Hints and traces

Speaking out

IGNACIO BUNYE

microentrepreneurs: •JennilynAntonio,pea-nut butter entrepreneur Problems are there to make us think. Learn from them. Trials are part of life. Also learn from them. Always do what is pleasing to the Lord, who gives you strength and guides you on the right path. If you borrow money, do everything you can to pay it back. Never forget the people who helped you succeed, especially those who trusted you with their money. •CorazonBautista,RTW(ready-to-wear) business-woman Have a budget for your daily needs. Use any business loan solely for the business. Do not mix personal and business funds in order to keep track of how the busi-

Though we don’t hear it nor speak about it often, the reality of fools obviously continues to take place to-day and, in fact, in a more rampant albeit subtle ways. I suppose it is out of good manners that we refrain from using the word. We actually now employ a lot of euphemisms to refer to the same banana. In a sense, it is good that it be that way. Refraining from using the word in our daily conversations, I imagine, would make for a cleaner and calmer environment. But neither should we forget it, since the reality, sad to say, continues to be around. In fact, the Bible speaks about fools and its variants many, many times, thus, often jarring the sensibili-ties of the people of today. This is one more reason why the Bible has to be handled with deliberate care, since its language belongs to a different age and to a dif-ferent culture. But the Bible teaches truths for all times and de-fines things in their radical and ultimate dimensions. As to what a fool is and what

things fools do, the Bible, especially in the books of Psalms and the Proverbs, has a lot to say. Many times, it defines a fool as anyone who does not believe in God. “The fool says in his heart, there is no God,” Psalm 14,1 says. And Proverbs 1,7 describes something about fools: “The fear of the Lord is the begin-ning of wisdom. Fools despise wisdom and instruction.” And so a long series of descriptions about fools con-tinues all the way to the New Testament. We have the famous parable of the wise and foolish virgins, for example, and passages about how a foolish man who only hears but does not act on the word of God is like a fool who builds his house on sand, without good foundation. The Book of Ecclesi-astes sums up the whole thing when it says: “Infinitus est numerus stultorum,” (Infinite is the number of fools), referring not only to the number of fools but also to their ways, since our freedom, which launches us into infinity, can be used

either for good or for evil, distinguishing the wise from the fool. In spite of all these, there is always hope for as long as we are still alive and capable of changing and converting. “Where sin has abounded, grace has abounded even more,” says St. Paul (Rom 5,20). So, there’s no use simply branding people fools and then lamenting about the predicament. What we need to do is to understand why many people still are fools in the biblical sense, and try to do something about it. And the common reason for this is that they do not know how to relate them-selves to God. They don’t see him, they cannot touch him, they don’t have any special feelings for him. There is obviously some ignorance and confusion involved here. While it’s true that we don’t see God, nor touch him, we cannot deny that God is everywhere, since he is the very author and the very supporter of everyone’s and everything’s existence. By merely existing, everyone and everything

unavoidably ref lects God’s eternal existence. Besides, to start relating to him and developing certain feelings for him is a matter of loving. As long as we love, in any way we express our love, we are at least already on the way to reaching God who is love. We just have to make sure that our loving is the right kind of loving. And that ultimately means we need to conform our love to the love of God who revealed and lived it to the full in Christ. Thus, Christ summa-rized all the commandments of God into the new com-mandment of love: “Love

•NolieEstocado,Christ-mas decor entrepreneur Devote a lot of time to your business and do not leave it to others. Find out as much as you can about a new client before accepting a big order from him or her. Talk to your creditors when you are having prob-lems making payments. Treat your workers fairly

BusinessWeek www.businessweekmindanao.com

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An Upset Tummy? Who hasn’t had it....

An upset tummy is some-thing that most of us, if not all, would rather not have and experience. Given a choice between a severe headache and that of an ir-ritable bowel, I would choose the former ailment. Nobody is above this and it happens when it happens. Irritable bowel disease or syndrome is also known as spastic colitis. The colon in these instances is overly responsive and hypersensitive to certain stimuli or triggers, that can range from stress to food or beverages, even to one’s mental or psychological state. Thus, it is not uncommon to hear patients during the medical history taking that, they experience the disease when their emotional state is in disarray: when one is anxious or is in a panic state, depressed or having that post traumatic stress disorder( PTSD ). Any stress-ful event can actually upset that tummy, with even the very thought of taking that interview or examination. Although the exact reason why the bowel or gastroin-testinal tract becomes ir-ritable is as yet indefinite, researchers believe that it is caused by a combination of physical and mental health problems. Our colon is well enervated, meaning it has nerves that connect to the brain. These nerves control the normal contractions of the colon, and people going through a psychological or mental problem puts their

Health in Focus

DR. MARY JEANLORECHE

ness is going. Give opportunities to others. Maintain a good relation-ship with your workers. •Dionesia dela Peña,suman entrepreneur Be nice in your dealings with everyone. Help the jobless by hiring them. Do not skimp on ingre-dients. Never mess with the taste that your customers like. •OrlandoDulay, bukopie businessman Learn as much as you can about the business you are getting into. Find out where to source your raw materials. Make sure you always have enough basic supplies. Know your target market. Study your product ’s marketability. Respect your workers’ rights.

colon into a hypersensitive mode for pain, and cause abdominal discomfort. Irritable Bowel disease is said to affect approximately 3 to 20% of the population, worldwide, and though it is more common among women and those under the age of 45, it doesn’t mean that men and us in the above the 40’s age group are spared from experiencing it! The diag-nosis is mostly dependent on the medical history: ab-dominal pain or discomfort that occurs at least 3 times per month for the past 3 months , in the absence of other diseases or injury, and accompanied by changes in the bowel movement and the consistency of the stools ( which may range from loose to firm ). In other words, it may vary from episodes of diarrhea or constipation , and that feeling of bloating . These symptoms usually occur after a meal, regard-

bunye/PAGE 10

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www.businessweekmindanao.com YOUR LOCAL ONLINE BUSINESS PAPERMINDANAO

waters of Bubunawan River, Baungon

Headwater sections of Mangima River; upslopeof Guilang-Guilang area; and along Dalirig- Moderate-HighMaluko section of Sayre Highway, all withinthe Municipality of Manolo Fortich

Within the middle to upper sections of KalatunganMountains, Pangantucan; and steep portions of Moderate-Highthe hillslope northeast of Kalilangan and atBarangay Kuya, Maramag

Within the east-bank of Pulangi River fromDangcagan-Kibawe-Damulog area; and Moderate-Highalong the Omonay road section, Kibawe

Parts of Musuan Peak; headwaters of Lumba Creek;midslopes in-between headwaters of Hindangon and Pangalihantukan Creeks; Steep slopes west Moderate-Highand east of Malaybalay and Valencia cities, andthe towns of Cabanglasan and San Fernando;and parts of the Bukidnon-Davao road section.

Whereas, Republic Act 10121 requires, in Section 11 thereof, all local government units to have a Local Disaster Risk Reduction and Management Council with the following functions:

(1) Approved, monitor and evaluate the implementation of the LDRRMPs and regularly review and test the plan consistent with other national and local planning programs;

(2) Ensure the integration of disaster risk reduction and climate change adaptation into local development plans, programs and budgets as a strategy in sustainable development and poverty reduction;

(3) Recommend the implementation of forced or pre-emptive evacuation of local residents, if necessary; and(4) Convene the local council once every three (3) months or as necessary.

Whereas, Republic Act 10121 further requires, in Section 12 thereof, that local government unit shall have a Local Disaster Risk Reduction and Management Office (or Committee for barangays) which shall be responsible for setting the direction, development, implementation and coordination of disaster risk management programs within their territorial jurisdiction. noW, thereFore, on motion of Hon. Jay S. Albarece, and with the unanimous accord of the Members present, assembled in session, be it: be it ordained, by the Honorable Sanguniang Panlalawigan of the Province of Bukidnon, this 9th day of January, in the Year of Our Lord, Two Thousand Thirteen, that: section 1 – Title. This Ordinance shall be known as: AN ORDINANCE MANDATING THE STRICT IMPLEMENTATION OF DISASTER PREPAREDNESS AND RISK REDUCTION MEASURES AS REQUIRED BY RA 10121 IN THE FLOOD AND LANDSLIDE HIGH RISK AREAS IN THE PROVINCE AND FOR OTHER PURPOSES. section 2 – All municipalities and barangays with areas heretofore identified by the Mines and Geosciences Bureau as flood or landslide prone or high risk areas are hereby required to strictly comply with Republic Act 10121, specially Sections 10 and 11 thereof. section 3 – Dereliction of duty by local government officials or officers of such kind that is not covered by Section 10 of the said law shall be penalized by a fine of P1,000.00 for the 1st Offense, P2,000.00 for the 2nd Offense; and P3,000.00 for the 3rd Offense. section 4 – This Ordinance shall be published in a newspaper with general circulation in the province of Bukidnon.

Approved.

*** *** ***

I hereby certiFy to the correctness of the foregoing resolution-ordinance.

EMD: lbe/’12

Republic of the Philippinesprovince oF buKidnon

City of Malaybalay

oFFice oF the sangguniang panlalaWigan

excerpts FroM the Minutes oF the 1st regular session oF the 11th sangguniang panlalaWigan, prov-ince oF buKidnon, held on Wednesday, January 9, 2013 at the sangguniang panlalaWigan session hall,

Malaybalay city, buKidnon.

present: hon. Jose Ma. r. Zubiri, Jr., provincial vice governor hon. roland F. deticio, board Member(ex-officio-rep. pcl) /temp. presiding officer hon. Jay s. albarece, board Member hon. alFeo u. baguio, board Member hon. neMesio b. beltran, Jr. board Member/Floor leader hon. renato c. centillas, board Member hon. Manuel l. dinlayan, board Member hon. Marivic r. Montesclaros, board Member hon. ranulFo e. pepito, board Member hon. raiZa angeliQue d. porMinal, board Member (ex-officio-rep. sK) -on o.b. hon. Magdalino c. pandian, board Member(ex-officio-rep. ips) hon. gordon M. torres, board Member

absent : hon. roelito a. gaWilan, board Member(ex-officio-rep. Fabc) hon. clive d. QuiÑo, board Member

ordinance no. 2013-072r(11th sp)(1st Regular Session)

an ordinance Mandating the strict iMpleMentation oF disaster preparedness and risK reduction Measures as reQuired by ra 10121 in the Flood and landslide high risK areas in the province and For other purposes -

Introduced by: Hon. Jay S. Albarece Board Member-1st District Province of Bukidnon

explanatory note

It is the policy of the State to uphold the people’s constitutional rights to life and property by addressing the root causes of vulner-abilities to disasters, strengthening the country’s institutional capacity for disaster risk reduction and management and building the resilience of local communities to disasters including climate change impacts. Along this policy, local government units are expected to develop, promote and implement their own local risk reduction and man-agement plans that will strengthen their capacity, together with partner stakeholders, to institutionalize arrangements and measures for reducing disaster risks including projected climate risks and enhancing disaster preparedness and response capabilities. Towards this aim, the 10th SP passed resolutions requesting the Mines and Geosciences Bureau, Regional Office 10, to furnish this Body with a geo-hazard map to aid in the crafting of disaster preparedness and response measures for the most vulnerable in the province. With the posting of the list of landslide and flood high risk areas in the province by the bureau in its website, even without the official copy of the requested official geo-hazard mapping, it is imperative for this Body to now pass measures aimed at pressuring the officers and officials of local government units in the province to perform their duties and responsibilities in the protection of their constituents in the identified high risk communities from calamities and disasters.

Whereas, the Mines and Geosciences Bureau of the DENR has published the following list of flood and landslide prone areas in the province of Bukidnon:

identiFied Flood-prone and/or aFFected areas in the province oF buKidnonriver systeM/ Flood prone and/or aFFected areascreeKs/estuaryMaridugao River Barangays located near riverbanks in the Municipalities of Kalilangan, Pangantucan and KadingilanMalitbog River Barangays located near riverbanks/flood prone and Barangay Sta. Ines, MalitbogManupali River Low-lying barangays located near riverbanks within the junction with the main Pulangi River (Valencia City)Muleta River Barangays located near riverbanks of Bangbang, Oata, Lantay and Bagic-ican within the municipalities of Pangantucan and MaramagPulangi River Low-lying barangays located near riverbanks within the municipalities of San Fernando, Maramag, Quezon, Don Carlos, Kitaotao, Dangcagan, Kibawe, Damulog, and Valencia City

identiFied landslide-prone areas in the province oF buKidnon aFFected areas degree oF susceptibilitySteep slopes within the headwater sectionsof Tagiti and Calawaig Rivers, upslope of Moderate-HighTicalaan Plain, Talakag and within the head- BWM: Jan. 30, Feb. 6 & 11 2013

Republic of the Philippinesprovince oF buKidnon

City of Malaybalay

oFFice oF the sangguniang panlalaWigan

excerpts FroM the Minutes oF the 2nd regular session oF the 11th sangguniang panlalaWigan, province oF buKidnon, held on Wednesday, January 16, 2013 at the sangguniang panlalaWigan ses-

sion hall, Malaybalay city, buKidnon.

present: hon. Jose Ma. r. Zubiri, Jr., provincial vice governor/chairman & presiding officer hon. alFeo u. baguio, board Member/temp. presiding officer hon. Jay s. albarece, board Member hon. neMesio b. beltran, Jr., board Member/Floor leader hon. renato c. centillas, board Member hon. Manuel l. dinlayan, board Member hon. roelito a. gaWilan, board Member(ex-officio-rep. Fabc) hon. Marivic r. Montesclaros, board Member hon. ranulFo e. pepito, board Member hon. Magdalino c. pandian, board Member(ex-officio-rep. ips) hon. clive d. QuiÑo, board Member hon. gordon M. torres, board Member/temp. presiding officer

absent : hon. roland F. deticio, board Member(ex-officio-rep. pcl) -on o.b. hon. raiZa angeliQue d. porMinal, board Member (ex-officio-rep. sK) -on o.b.

ordinance no. 2013-073r(11th sp)(2nd Regular Session)

an ordinance adopting the provision eMbodied under r.a. 9640 – an act aMending section 140(a) oF r.a. 7160, otherWise KnoWn as “the local governMent code oF 1991” reducing the rate oF aMuseMent tax FroM 30% to 10% thereby aMending section 28, article vi oF the provincial tax ordinance no. 92-03 –

Whereas, the Provincial Government of Bukidnon through its revenue raising power as provided under Section 140(a) of R.A. 7160 had enacted Provincial Tax Ordinance No. 92-03; thereby imposing an amusement tax from the proprietors, lessees, or operators of theaters, cinemas, concert hall, circuses, boxing stadia and other places of amusement at the rate of thirty percent (30%) of gross receipts from admission fees. Whereas, recent development in the field of National Legislation, Congress of the Philippines had enacted Republic Act No. 9640 – An Act Amending Section 140(a) of Republic Act No. 7160, otherwise known as the “Local Government Code of 1991” reducing the rate of amusement tax from 30% to 10%; Whereas, there is a need for the provincial government to adopt the provision embodied under R.A. 9640 – An act amending Section 140(a) of R.A. 7160, otherwise known as “The Local Government Code of 1991” reducing the rate of amusement tax from 30% to 10%, and ultimately amend Section 28 of Article VI of the Provincial Tax Ordinance No. 92-03 of the Province of Bukidnon; noW, thereFore, on motion of Hon. Jay S. Albarece, and with the unanimous accord of the Members present, assembled in session; be it ordained, by the Honorable Sanguniang Panlalawigan of the Province of Bukidnon, this 16th day of January, in the Year of Our Lord, Two Thousand Thirteen, that: section 1 — Title. This Ordinance shall be known as: AN ORDINANCE ADOPTING THE PROVISION EMBODIED UNDER R.A. 9640 - AN ACT AMENDING SECTION 140(a) OF R.A. 7160, OTHERWISE KNOWN AS “THE LOCAL GOVERNMENT CODE OF 1991” REDUCING THE RATE OF AMUSEMENT TAX FROM 30% TO 10% THEREBY AMENDING SECTION 28, ARTICLE VI OF THE PROVINCIAL TAX ORDINANCE NO. 92-03. section 2 — This Ordinance shall take effect fifteen (15) days after its complete publication in a newspaper of general circula-tion in the Province of Bukidnon.

Approved.

*** *** ***

i hereby certiFy to the correctness of the foregoing ordinance.

BWM: Jan. 30, Feb. 6 & 11 2013

Instead of our development partners going their own ways, Department of Social Welfare and Development (DSWD) Secretary Corazon Soliman said, “there is a more cohesive approach to our partnership in the next three years.” –PIA with wire reports

Supports...from page 1

the cities of Las Pinas, Makati, Quezon, Caloocan, Taguig and Pasig; Malabon; Taytay; Rizal; Bulihan, Silang and Bacoor, Cavite; Talusig, Ifugao; Sta. Rosa, San Pedro and San Pablo, Laguna; Libon, Albay; Malolos, Calumpit and Meycauayan, Bulacan; Talavera, Gen. Na-tividad, Cabiao, Cuyapo, San Jose and Cabanatuan, Nueva Ecija; Baras, Rizal; Basista and Sta. Barbara, Pangasinan; Zambales; Laoag, Ilocos Norte; Tuguegarao, Cagayan; Isabela; Vigan, Ilocos Sur; Mindoro; Davao City; Agusan del Sur, Cotabato City; North Cotabato; South Cotabato; Lanao del Sur and Lanao del Norte; Sultan Kudarat; Butuan City; and Pendatum, Maguindanao. Composting was done in Las Pinas City; Brgy. Loyola, Quezon City; Antipolo City, Rizal; San Manuel, Isabela; San Jose del Monte, Provence and Malolos, Bulacan; Balanga, Bataan; Plantacion, Batangas; Tierra Nevada, Gen. Trias and Bacoor, Cavite; Antique; Talisay City, Cebu; Oton and Alimodian Iloilo; Gen. Santos City; Davao City and Antipas, North Cotabato. Coconet weav-ing factory was established in Balanga, Bataan: Vigan, Ilocos Sur; Dinagat Island; Iligan City and Iligan City. Blanket weaving is now in Pampanga; Caranglan, Nueva Ecija; Sta. Barbara, Pangasinan; Libon, Albay and Sto. Tomas, Davao del Norte.

Builds...from page 1with other communities all over the country,” said Villar who served as congresswoman for nine years. In joining the senatorial bandwagon in the May elec-tions, Villar says she would have a better chance of pushing through with her livelihood projects. “I thought this will be my opportunity to expand the reach of my livelihood proj-ects. I want to make a lot of difference in people’s lives,” said Villar. “Because the Philippines has 1,600 cities, we still have a long way to go,” said Villar who feels that having a job is a solution to most of the problems. With her livelihood proj-ects, Villar wants to provide jobs even to those who failed to finish elementary schooling. “There should be a balance wherein all will be afforded the opportunity to have a decent job and earn a living,” she said. She noted that under the present condition, employ-ers require that even factory workers should be high school graduates. “So how about those who are not even elementary gradu-ates?” asked Villar who recently established the Villar Social Institute for Poverty Alleviation and Governance or SIPAG to serve as center of all her efforts and endeavors in reducing poverty in the country. Villar’s livelihood programs include waterlily products mak-ing, establishment of compost-ing facility and coconet factory, and blanket weaving. She has also started plastic pulverizing in Leyte. Through the efforts of Villar, training for waterlily products making had been conducted in

Expands...from page 2initiative in accordance with the objectives of Food Staples Sufficiency Program (FSSP) of the national government. Implementation of said program is being assisted by the following agencies: Agricultural Credit Policy Council (ACPC), National Irrigation Administration (NIA), National Food Author-ity (NFA), Agricultural Train-ing Institute (ATI), National Agri-Business Corporation (NABCOR), and Philippine Crop Insurance Corporation (PCIC). ACPC takes provides for additional funds for the pro-gram and conduct of evalu-ation of the program. NIA seeks for and endorses irrigators’ associations that may be employed as credit consolidators or conduits. NFA and NABCOR will ensure sure market for the palay produced by the pro-gram beneficiaries. Training of loan recipients on financial and management credits is the responsibility of the ATI; this is intended to guide farmers in the proper use of the loan proceeds. PCIC provides for the crop insurance guarantee. Those interested to avail of the loan or have inquiries regarding Sikat Saka program may ask information from their irrigators’ associations or the nearest LBP branch as well as offices NFA and NIA in their area.

is granted to the Philippines to “promote sustainable social and economic development and welfare.” “The purpose of the Forum is to let the bilateral partners know the priorities and di-rections the government is pursuing,” Budget Secretary Florencio Abad said.

Page 9: BusinessWeek Mindanao (February 11-12, 2013 Issue)

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YOUR LOCAL ONLINE BUSINESS PAPERMINDANAOClassified Ads

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KIMBERLITE PAWNSHOP MALAYBALAY BRANCH

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

EXPIRY DATE

AUCTION MONTH

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MALAYBALAY

November 2011 JANUARY 19 12 26 17

December 2011 FEBRUARY 21 14 28 16

January 2012 MARCH 20 13 29 15

February 2012 APRIL 19 12 26 17

March 2012 MAY 22 15 29 17

April 2012 JUNE 21 14 26 19

May 2012 JULY 24 12 26 19

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September 2012 NOVEMBER 20 15 27 20

October 2012 DECEMBER 11 18 18 13

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Kimberlite Pawnshop will be having its monthly AUCTION SALE with corresponding expiry dates. All items will be sold to public auction at KIMBERLITE PAWNSHOP on the following dates and venues.

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YOUR LOCAL ONLINE BUSINESS PAPERMINDANAO

Republic of the PhilippinesProvince of Zamboanga del Sur

Municipality of TukuranOffice of the Local Civil Registrar

R.A. 9048/10172 Form no. 10.1 (LCRO)

notice for publication

In compliance with section 7 of R.A. no. 10172, a notice is hereby served to the public that Jonel balansag valle has filed with this office a peti-tion for correction of clerical error particularly in his gender from FeMale to Male in the certificate of live birth JONEL BALANSAG VALLE who was born on November 21, 1993 at Tukuran Zamboanga del Sur in whose parents are CRISPIN VALE and ADELAIDA BALANSAG.

Any person adversely a affected by said petition may file his written opposition with this office not later than February 4, 2013

(Sgd) ginalyn d. acuÑa City/Municipality Civil Registrar

BWM: Feb. 4 & 11, 2013

Note: My book “Central Banking for Every Juan and Maria” is now available at the following Fully Booked outlets: Bonifacio Global City, Rockwell and Katipunan Avenue. You may e-mail us at [email protected].

Bunye..from page 6

the discomfort. Foods known to irritate the bowels include those foods that contain high amounts of fat, or those that contain artificial sweeteners, milk products , alcohol and caffeine. Instead of gulping down one’s food and dumping in so much and too much, it is most helpful too, to take it slow and easy, and eating small amounts and chewing them well, in a healthy environment. Simply put, meal times should be happy times. In the times that we live in, it is so easy to forget that, eating and the meals that we have, be treated with respect and gusto..... it is not just the kind of food that we feed our bodies that matters to become healthy, but, the mental status at the time of eating, can and do matter as much....

Loreche..from page 6

be a matter of loving others the way Christ loves all of us. We need to be clear about this doctrine and do everything to live it. It is very doable. We obviously need the grace of God for this, but insofar as we are concerned, we can do it. We just have to stir our-selves everyday to feel that love, making use of some plans, devices or gimmicks to put us into the system. But we can truly reach God here and now!

Cimagala..from page 6

and honestly. Believe in yourself and do not allow others to rule your destiny. (To be continued next week)

less of whether its lunch or dinner or breakfast. The good news for this type of illness is: it leaves no permanent damage to one’s gastrointestinal tract , thus, it is not likely to pre-dispose one to the Big C of the colon. The bad side though, is that, there is no cure to IBS. Treatment includes lifestyle changes. Since one’s mental and emotional status has a role to play in its occurrence, keeping a more upbeat and opti-mistic attitude will help minimize the episodes. Having a good knowledge of the food triggers and avoiding them is another way of avoiding that unhappy and difficult moment of having to experience

other as I have loved you.” Christ makes himself the stan-dard of our love that neces-sar i ly has two inseparable objects: love of God and love of neighbor. Loving God and thereby reaching him and being with him is actually not difficult and much less, impossible to do, since loving God can simply

Invest...from page 1to building resilience or “the ability of countries, communities, busi-nesses, and individual households to resist, absorb, recover from, and reorganize in response to natural hazard events, without jeopardizing their sustained socioeconomic advancement and development.” But this should be incorporated within an integrated disaster risk management framework that in-cludes, among others, climate change adaptation. Bindu Lohani, ADB’s vice presi-dent for Knowledge Management and Sustainable Development said in a video interview in the bank’s website (http://www.adb.org/news/videos/why-asia-and-pacific-need-disaster-risk-financing) that in Asia and the Pacific, only about 5 percent of losses to natural disasters are insured whereas “in developed countries, about 40% of the losses there are insured or reinsured.” The report noted that most

Asian countries have disaster handling capabilit ies, but few have adequate provisions for financing post-disaster losses and rehabilitation, which is badly needed because disaster losses are expanding at a faster rate in Asia due to environmental degrada-tion, climate change, demographic pressures, and widespread failure to consider disaster risk in design-ing and locating many critical development investments. “With the kind of natural disas-ters we are expecting in Asia, we need to be a little bit serious; the governments need to start making a plan on it, they need to make is as part of their development both as individual development as well as a long term plan,” Lohani said. He added that natural disasters are eroding Asia’s economic gains, which often hit the poorest hardest such as the Philippines, whose annual losses to natural disasters are estimated at US$1.6 million or a loss of 0.8% to the country’s gross domestic product (GDP). He pointed out that in a span of 40 years, from 1970 to 2010, 1.7 million natural disaster-related deaths were recorded in Asia, accounting for 51% of the global total. “Another thing that is very striking is that the losses over a period of time [are] increasing. And if you compare the losses due to natural disasters with the GDP increase, the losses seem to be more rapidly increasing than the growth of the GDP; this is scary,” he said.

“As the global region most vulnerable to climate change, we no longer have a choice but to focus on disaster risk manage-ment,” he added. The Investing in Resilience: Ensuring a Disaster-Resistant Future report stressed that natural disasters are threats to sustainable economic growth while noting that Asia and the Pacific has achieved considerable growth over the past four decades, “expanding by an average of 6.3% per year in real terms in the 1970s, 7.3% in the 1980s, 6.7% in the 1990s, and 7.4% in the first decade of the 21st century.” “Asia and the Pacific have made considerable gains in poverty reduction and progress toward the achievement of a number of the Millennium Development Goals, including reducing the number of people living on less than US$1.25 (purchasing power parity) per day. However, these gains may not be sustained in hazard-prone areas unless resilience to natural hazard events is considerably strengthened for the poor and near-poor,” it said. According to the report, suc-cessful investment in resilience embodies principles of integrated disaster risk management (IDRM), entailing a systematic set of activi-ties that collectively aims to avoid, lessen, or transfer the potential adverse effects of all hazards, specifically through the integra-tion of climate change adaptation (CCA), disaster risk reduction (DRR), disaster preparedness, post-disaster relief, early recovery, reconstruction, and disaster risk financing (DRF) goals under a single framework. The report also pointed out that “solutions to DRR already

exist, but they are not being ap-plied suf ficiently” because of one essential missing ingredient — vision. “A vision will help bring the knowledge and practice gaps into alignment and provide greater likelihood of appropriate action.” However, the report stressed that even if vision is present, if countries and their development partners “continue to regard invest-ment in resilience and investment in development as two separate issues, disaster risk will continue to accumulate and losses to expand, threatening long-term inclusive, sustainable growth in the region.” Thus, investments for a natural disaster resilient future “should be undertaken within the context of a broader development framework, regarding strengthened resilience as an integral part of development goals, approaches, and individual initiatives.” ADB said in the report that the five key sectors that government and its partners should invest in to have a disaster resilient future are (1) livelihoods, where invest-ment in resilience of the poor and near-poor can lead directly to poverty reduction; (2) land use planning, where the integration of disaster risk considerations into the existing process repre-sents a fundamental first step in strengthening resilience; (3) transpor t, as the siTting and satisfactory functioning of such infrastructure plays a central role in determining the location and continuing productivity of many other development investments; (4) education, where investment in resilience translates into a direct transgenerational investment in the future of a country; and (5) housing, a centerpiece of social fabric and human security.

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