mindanao star (february 12, 2013 issue)

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e-mail: [email protected] Advertising: 0917-7121424• 0947-8935776 Story on page 3 BREAKING THE RECORD - Lawyer Ma. Lourdes Villamar Mangaoang, newly-assumed customs collector for Cagayan de Oro (third from left), informs media of her agency’s record-breaking collection for the month of January, this year. This, during the news conference yesterday morning, with (L-R) Atty. Rosward Joseph Pague of the Subport Ozamiz and Datu Samson Pacasum of the Subport Iligan. To her left is Atty. Javier C. Alpaño of the Mindanao Container Terminal-Subport (MCT-SP). Partly-hidden is Deputy District Collector for Assessment Adolfo D. Mondigo. (photo by ROLANDO N. SUDARIA of Mindanao STAR) FORMER Las Pinas Rep. Cynthia Villar says she can do more and push for her advocacies particu- larly her “livelihood projects out of wastes” on a national scope if she wins senator in the May elections. Misis Hanep Buhay’s liveli- hood projects from wastes have gained international recognition when she was given the UN award for “Best Water Management Practice in the World,” beating 38 countries. Since her projects from wastes have been very successful in Las Pinas and are HIRITAN NG MAG-NINANG: Misis Hanepbuhay Cynthia Villar at Chiz Escudero, parehong kandidato ng Team PNoy (LP-NP coalition) ang natokang mag-tanong sa isa’t isa sa isang round ng Hiritan 2013 ng Unang Hirit. Biniro ni Arnold ‘Igan’ Clavio bilang ‘mag-ninang’ dahil si Misis Villar ay ninang ni Chiz sa kanyang kasal. Ilan sa mga sinagot na isyu ni Misis Villar ay tungkol sa cybercrime law, ad spending, at ang kanyang mga nagawa bilang kongresista sa loob ng 10 taon. Villar is a UN award winner for “Best Water Management Practice in the World” being duplicated in other areas, Villar wants to expand their reach and provide job opportunities especially to women all over the country. She said women should also help their husbands provide for their children. SINABI ni ex-Las Pinas Rep Cynthia Villar na mas marami siyang magagawa at higit niyang maisusulong ang kanyang mga adbokasiya partikular ang kanyang mga livelihood projects mula sa basura kung papapalarin siyang manalong senador. Magkaka- Padayon Pilipino nangampanya na? Sinulat ni Jun Felicilda, City Editor CAGAYAN de Oro City – The Cagayan de Oro City Customs Collection District has recorded a surplus collection of P116 mil- lion in January 2013, as revenues swelled to P559.2 million, up by Customs CDO collects P559M, breaks record By Jun Felicilda, City Editor 25 percent against its monthly collection target of P443.1. This is contrary to the January 2012 target, which the District failed to hit. Newly-installed District Col- lector Lourdes Villamar Man- gaoang said “last month’s col- lection performance was P248.7 million, or 80 percent higher than the revenues generated in the same period last year.” She observed, January is nor- mally a lean month for Customs and most ports fail to meet the C AGAYAN de Oro City – Unsa ba gay- oy tinuod nga nahitabo kagahapong adlawa sa Barangay Besigan ug Tig- napoloan…doble PPP? Kini nga pangutana mitumaw sa dihang ang tibook pwersa sa Padayon Pilipino (PP) mitungas sa maong mga barangay alang sa laing hugna sa People to People Program (PPP) ug Proklamasyon sa Padayon Pilipino (PPP). Ang Besigan mao ang labing layo nga barangay sa Cagayan de Oro, sikbit sa mga lalawigan sa Bukidnon ug Lanao. Nangulo sa grupo ang titular head sa Padayon Pilipino nga si Mayor Vicente Emano. Mikuyog usab ang mga de- partment head nga maoy sagad mangulo paghatud sa mga serbisyo subay sa PPP. Sayo pa niana, si Bise Mayor Caesar Ian Acenas midapit sa katawhan sa nahisgotang mga barangay ug kasikbit nga mga dapit sa pagpahimulos sa mga serbisyo nga ihatud nganha mismo sa tugkaran sa katawhan. Gawas sa PPP gikareport nga gibutyag usab sa Padayon Pilipino ang mga piliunon pagka-senador nga ilang paluyohan sa piliay sa By Ruby Leonora R. Balistoy Bukidnon trembles anew MALAYBALAY City -- Another quake rocked Maramag town, this province, at 3:08 a.m., February 10. Mr. Marcial Labininay, North- ern Mindanao director of the Philippine Institute of Volcanol- ogy and Seismology (Phivolcs), said the tremor was recorded at magnitude 3.8 with Intensity II. He said the quake’s epicenter was 7.72 km north, 125 km east, 4 km south and 23 km west of Maramag, Bukidnon. “Actually, a series of 3 quakes rocked the area at 3:08 a.m., 3:33 a.m. and 3:46 a.m. But only one of these, the 3:08 am shaking, was felt,” Labininay said. Phivolcs reported the latest tremor in Bukidnon occurred at 1:01 p.m. of February 5 recorded at Intensity II with 3.2 magnitude in Maramag and Intensity I in Don Carlos. Its epicenter was 7.84 km north, 124.27 km east, 9 km south and 32 km west of Maramag. “Today’s quake was tectonic in origin and was very shallow. There were no damages recorded,” Labininay said. He also explained that “In- tensity” is determined on the strength of shaking produced by the earthquake at a certain loca- tion. Intensity I is considered low, while Intensity 7 is high in scale that could damage buildings and other structures. (RLRB/PIA 10, Bukidnon/jdelpf) Comelec allows political surveys during election period By Rutchie C. Aguhob OROQUIETA City - Any person, whether natural or juridical, candidate or organization may conduct an election survey, during the election period, the Commis- sion on Elections (Comelec) said. These surveys shall be pub- lished and shall include the fol- lowing information:the name of the person, candidate, party, or organization that commissioned or paid for the survey and the name of the person, polling firm or survey organization who con- ducted the survey. It should also include the period during which the survey was conducted, the methodology used, the number of individual COMELEC /P5 PADAYON /P5 CUSTOMS /P5 VILLAR /P5 0917-7121424 0947-8935776 856-3344 72-33-44 ADVERTISE IN OUR CLASSIFIED ADS with 4 newspaers for the price of one Mindanao S T AR Your community newspaper VOL. I No.169 Cagayan de Oro City Tuesday Febuary 12, 2013 P10.00 Ozamiz kids join Science Quest in Baguio

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Mindanao Star (February 12, 2013 Issue)

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Page 1: Mindanao Star (February 12, 2013 Issue)

e-mail: [email protected] • Advertising: 0917-7121424• 0947-8935776

Story on page 3

BREAKING THE RECORD - Lawyer Ma. Lourdes Villamar Mangaoang, newly-assumed customs collector for Cagayan de Oro (third from left), informs media of her agency’s record-breaking collection for the month of January, this year. This, during the news conference yesterday morning, with (L-R) Atty. Rosward Joseph Pague of the Subport Ozamiz and Datu Samson Pacasum of the Subport Iligan. To her left is Atty. Javier C. Alpaño of the Mindanao Container Terminal-Subport (MCT-SP). Partly-hidden is Deputy District Collector for Assessment Adolfo D. Mondigo. (photo by Rolando n. SudaRia of Mindanao STAR)

FORMER Las Pinas Rep. Cynthia Villar says she can do more and push for her advocacies particu-larly her “livelihood projects out of wastes” on a national scope if she wins senator in the May elections. Misis Hanep Buhay’s liveli-hood projects from wastes have gained international recognition when she was given the UN award for “Best Water Management Practice in the World,” beating 38 countries. Since her projects from wastes have been very successful in Las Pinas and are

HIRITAN NG MAG-NINANG: Misis Hanepbuhay Cynthia Villar at Chiz Escudero, parehong kandidato ng Team PNoy (LP-NP coalition) ang natokang mag-tanong sa isa’t isa sa isang round ng Hiritan 2013 ng Unang Hirit. Biniro ni Arnold ‘Igan’ Clavio bilang ‘mag-ninang’ dahil si Misis Villar ay ninang ni Chiz sa kanyang kasal. Ilan sa mga sinagot na isyu ni Misis Villar ay tungkol sa cybercrime law, ad spending, at ang kanyang mga nagawa bilang kongresista sa loob ng 10 taon.

Villar is a UN award winner for “Best Water Management

Practice in the World”being duplicated in other areas, Villar wants to expand their reach and provide job opportunities especially to women all over the country. She said women should also help their husbands provide for their children. SINABI ni ex-Las Pinas Rep Cynthia Villar na mas marami siyang magagawa at higit niyang maisusulong ang kanyang mga adbokasiya partikular ang kanyang mga livelihood projects mula sa basura kung papapalarin siyang manalong senador. Magkaka-

Padayon Pilipino nangampanya na?Sinulat ni Jun Felicilda, City Editor

CAGAYAN de Oro City – The Cagayan de Oro City Customs Collection District has recorded a surplus collection of P116 mil-lion in January 2013, as revenues swelled to P559.2 million, up by

Customs CDO collects P559M, breaks recordBy Jun Felicilda, City Editor 25 percent against its monthly

collection target of P443.1. This is contrary to the January 2012 target, which the District failed to hit. Newly-installed District Col-lector Lourdes Villamar Man-gaoang said “last month’s col-

lection performance was P248.7 million, or 80 percent higher than the revenues generated in the same period last year.” She observed, January is nor-mally a lean month for Customs and most ports fail to meet the

CAGAYAN de Oro City – Unsa ba gay-

oy tinuod nga nahitabo kagahapong adlawa sa Barangay Besigan ug Tig-napoloan…doble PPP? Kini nga pangutana mitumaw sa dihang ang tibook pwersa sa Padayon Pilipino (PP) mitungas sa maong mga barangay alang sa laing hugna sa People to People Program (PPP) ug Proklamasyon sa Padayon Pilipino (PPP). Ang Besigan mao ang labing layo nga barangay sa Cagayan de Oro, sikbit sa mga lalawigan sa Bukidnon ug Lanao. Nangulo sa grupo ang titular head sa Padayon Pilipino nga si Mayor Vicente Emano. Mikuyog usab ang mga de-partment head nga maoy sagad mangulo paghatud sa mga serbisyo subay sa PPP. Sayo pa niana, si Bise Mayor Caesar Ian Acenas midapit sa katawhan sa nahisgotang mga barangay ug kasikbit nga mga dapit sa pagpahimulos sa mga serbisyo nga ihatud nganha mismo sa tugkaran sa katawhan. Gawas sa PPP gikareport nga gibutyag usab sa Padayon Pilipino ang mga piliunon pagka-senador nga ilang paluyohan sa piliay sa

By Ruby Leonora R. Balistoy

Bukidnon trembles anewMALAYBALAY City -- Another quake rocked Maramag town, this province, at 3:08 a.m., February 10. Mr. Marcial Labininay, North-ern Mindanao director of the Philippine Institute of Volcanol-ogy and Seismology (Phivolcs), said the tremor was recorded at magnitude 3.8 with Intensity II. He said the quake’s epicenter was 7.72 km north, 125 km east, 4 km south and 23 km west of Maramag, Bukidnon. “Actually, a series of 3 quakes rocked the area at 3:08 a.m., 3:33 a.m. and 3:46 a.m. But only one of these, the 3:08 am shaking, was felt,” Labininay said. Phivolcs reported the latest tremor in Bukidnon occurred at 1:01 p.m. of February 5 recorded at Intensity II with 3.2 magnitude in Maramag and Intensity I in Don Carlos. Its epicenter was 7.84 km north, 124.27 km east, 9 km south and 32 km west of Maramag. “Today’s quake was tectonic in origin and was very shallow. There were no damages recorded,” Labininay said. He also explained that “In-tensity” is determined on the strength of shaking produced by the earthquake at a certain loca-tion. Intensity I is considered low, while Intensity 7 is high in scale that could damage buildings and other structures. (RLRB/PIA 10, Bukidnon/jdelpf)

Comelec allows political surveys during election period

By Rutchie C. Aguhob

OROQUIETA City - Any person, whether natural or juridical, candidate or organization may conduct an election survey, during the election period, the Commis-sion on Elections (Comelec) said. These surveys shall be pub-lished and shall include the fol-lowing information:the name of the person, candidate, party, or organization that commissioned or paid for the survey and the name of the person, polling firm or survey organization who con-ducted the survey. It should also include the period during which the survey was conducted, the methodology used, the number of individual

comelec /P5

Padayon /P5 customs /P5

villar /P5

0 9 1 7 - 7 1 2 1 4 24 0 9 4 7 - 8 9 3 5 7 76

8 5 6 - 3 3 4 472 - 3 3 - 4 4

ADVERTISEIN OUR

Classified adswith 4 newspaers

for the price of one MindanaostarYour community newspaper VOL. I No.169 Cagayan de Oro City Tuesday Febuary 12, 2013 P10.00

Ozamiz kids join Science Quest in Baguio

Page 2: Mindanao Star (February 12, 2013 Issue)

metro cdo2 Editorial @ Advertising Dept: Tel Nos: 857 8447 or 74 53 80

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EDITOR: : Jun Felicilda, E-MAIL: [email protected], febuary 12, 2013

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Acenas thanks public-private entrepreneurial project

By Arjay S. Felicilda News Editor

CAGAYAN de Oro Vice Mayor Caesar Ian E. Ace-nas was thankful to the Technical Education and Skills Development Author-ity (TESDA), Coca-Cola Export Corporation and SMI Learning Employment Success Foundation (Smiles) for conducting the Star

Sari-sari Store Training and Access to Resources (S3TAR) Program to local entrepreneurs.

The training is on-going, according to The Power, the official daily newsletter of the City Council.

Under the program, sari-sari store owners are also

given access to business resources, such as prod-ucts and merchandising, as well as social development interventions.

Vice Mayor Acenas expects the “program to greatly help boost the local sari-sari store business even as it encourages others to follow suit.” (With report from The Power)

PNP TRAINING – Photo shows participants to the five-day training on e-Rogues’ and e-Warrant System, held at Camp Alagar, Lapasan, Cagayan de Oro City, very recently. (PRO-10 Public Information Office)

CAGAYAN de Oro City - Every air passenger has the right to be informed of the

fact of off-loading.This is stipulated in the

Air Passenger Bill of Rights,

Air passengers have right to compensation By Jasper Marie Oblina-Rucat being implemented under

the joint admin order of the Department of Trade and Industry (DTI) and Department of Telecom-

munications (DOTC).A P2,000 worth of com-

pensation must be given to the passenger for every 24-hour delay and/or refund

of checked baggage fees, if the baggage was not deliv-ered within 24 hours from the arrival of the flight, as stated in the bill.

Further, if the baggage is lost or has suffered any damage, passengers of do-mestic flights have the right to half of the amount in the relevant convention (for international flights) in its peso equivalent.

If after seven days the passenger or consignee still has not received the baggage and it is not delivered, then

it is presumed lost, the bill further emphasizes.

Should there be death or bodily injury of any air passenger, compensation must be provided.

Among the modes in which these payments will be made is via check, cash or document necessary to claim the compensation or benefits.

The document should be convertible to cash within 15 days from the date the occasion occurred. (JMOR-PIA10/asf)

SP engages in salary loan programTHE city government of Cagayan de Oro is availing of the salary loan program of the Philippine Veterans Bank (PVB) for the local officials and employees. This, as the City Coun-cil enacted an ordinance authorizing Mayor Vicente Y. Emano to sign a Memo-randum of Agreement (MOA) with PVB for such

purpose. The MOA states, “quali-fied employees can avail of a maximum of three month’s gross pay at a fixed interest rate of 11 percent per annum.” The legislation was en-dorsed by the City Council committee on laws and rules. (with report from The Power/asf )

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Page 3: Mindanao Star (February 12, 2013 Issue)

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the regionMindanaostarYour community newspaper

tuesday febuary 12, 2013edItOr: Joe del puerto felicilda , eMaIL: [email protected]

Editorial @ Advertising Dept: Tel Nos: 857 8447 or 74 53 80Email: [email protected] Hot No: 0917-7121424 billboardOzamiz kids join Science Quest in Baguio CityOZAMIZ City – Twenty-eight students from the Ozamiz City Schools Divi-sion (OCSD) have joined the 10th National Science Quest (NSQ) at the Teach-ers’ Camp in Baguio City, Feb. 8-10. Initiated by the Associa-tion of Science Educators in the Philippines (ASEP), in cooperation with the Department of Education (DepEd), the NSQ aimed to promote academic excel-lence and create camaraderie and sportsmanship among students, pupils and coaches. Activities of the NSQ are focused on the theme: “Science and Technology Advancement for Creat-ing Quality Environment-Friendly in Improving Pro-ductivity Prospects,” said Rebonfamil R. Baguio, OCS Division Superintendent. He said participants of the NSQ were the first and second place winners in the recently concluded Northern Mindanao Re-gional Children’s Science Fair and Quest 2012. Such contests, included

Taekwondo has been under constant evolution over several thousand years. However it was until 1950’s that taekwondo was standardized and organized by Gen Choi Hong Hi and the sport was brought outside Korean border,at first to Vietnam and U>S> and later to the rest of the world. Today taekwondo is organized in the tree dimen-sional federations: The world Taekwondo Federation(WTF) based in Korea, the International Taekwondo Federation(ITF) based in Austria and the Global Taekwondo Federation (GTF) based in Korea. Taekwondo has been officially declared recently as an official Olympic Sport with first competitions held held during the Olympic games in Sydney, Australia in 2000. Nowadays people have adopted and join the training regardless of age,size or athletic activity. They found out and prove the following benefits: 1. Help control juvenile delin-quency-studies have shown that it lessens aggression,lessens anxiety,increases self es-t e e m , i n c r e a s e s s o c i a l adroitness(improve social skills) 2 . D e m a n d s s e l f discipline,mental concentration and alertness. Correct technical execution of techniques requires rhythm, timing,power,proper form and proper breathing. To achieve this,students must develop self-discipline and stay focused and ignore distractions. 3.Taekwondo provides educational experience-stu-dents learn about their abili-ties and limitations and how to deal their limitations.Students learn to relate with people of

all ages from various socio - economic,ethnic,cultural and racial backgrounds through their training in taekwondo.Hence they are required to teach once they are in the higher belt as part of their training. 4. It promotes health and physical condition. When a per-son exercises,the heart pumps into the body which then be circulated into the body cells and tissues for nourishment. In turn, a person becomes active and can perform even beyond what the body can normally do.Studies also showed that taekwondo training increase bone density,which may pre-vent bone loss and it can be improved by constant jumping.Studies proved that children who jumps 5 or 3 times a day had a significant increase in bone density.So doing jumping jacks as part of their exercises,they are getting stronger and perfect-ing the techniques and they are also helping prevent bone loss in the later years of their lives. 5 . L e a d e r s h i p v a l u e s - t aekwondo i s no t on l y kicking,punching and counter attacking to overcome the op-ponents. It is most acquiring values of taekwondo that can be used in leading taekwondo as an organization. 6.Improves social interac-tions.Students become more entusiastic,optimistic and self-reliant.They overcome tensions and shyness. 7.Self defense-It is the most important benefit in taekwondo.Selfdefense is not just using defenses and counter attacks against the attackers.It is also the ability to prevent injury to oneself or others from attack-

ers.This includes learning to fall safely,to communicate with aggressors and to escape from violent situations. Self defense is not just concern with physical dealing with violence,it is most concern with avoiding becoming a victim of violence. 8.It is also a means to an end in terms of professional carrier - most likely, taekwondo practi-tioners oftentimes achieve their career compared to those who are not.The value of discipline gained in taekwondo training can be applied in their study habit and in pursuing a career.Some may become an active members of a varsity team as a college scholar and become free from school obligations or have a discount, and may be possibly chosen as a model or a professional members of the Philippine Taekwondo team

Conclusions/Recommendations: With all the above,it is rather but reasonable to consider some of the recommendations: 1.Taekwondo training will be incorporated with leader-ship values to enhance one’s self-confidence and self worth.It could be adopted as part of a regular activity of the Sanggunian ng mga Kabataan sa barangay or generally in a higher level. 2. Due to the psychological value of taekwondo. it is indeed necessary to coordinate with the school officials to incorporate Taekwondo program in MAPE in the elementary, secondary as well as tertiary level. 3. Encourage children from all ages to join taekwondo training to spare them from drugs,alcohol and other form of vices.

By Rutchie C. Aguhob Science Quiz and Sci-Dama, elementary pupils Grade III-VI and secondary stu-dents, 1st-4th Year levels, Sci-Dama Water Patrol for elementary parents and teachers and Electro Sci-Dama for the secondary parents and teachers. Science Fair – individual and group category for Grade III, IV, V, VI and individual group category Cluster 1 and 2 for second-ary schools and Science Intervention Materials (SIM)/Science Investiga-tory Projects (SIP) – for elementary and secondary teachers. On the Spot Painting and Collage-Making – for elementary and secondary teachers and students and Elementary and Secondary Robotics Dance, Sci-Cheer and Tugsayawit with Science Implications and Search for Ginoo and Binibining Kalikasan. Additional categories were the Improntu Speaking, Essay Writing, Sci-MCO Tech, Science Fair for Public School Teachers, Secondary Level, Kiddie Science Fair for kiddie NKP, Grades 1 to

2, Jingle-Making Competi-tion, Sci-Folk Dance, Sci-Modeling Technical Dance and Creative Modeling with Science Implication. The participants from OCSD were the following first and second place win-ners in the Regional Science Fair 2012: Quiz Bee - Sophia H. Tumada, Grade III, Neil Ian M. Mejares, Grade VI, Ian D. Oniot, Sci-Dama Wa-ter Patrol and Clint Paran, Collage-Making, Robotincs Dance - Nich-olas Joseph Balgue, Jerick Andrei L Francisco, Garry Gim Geralde M. Gaabu-cayan, Gim Garry Staeuard M. Gaabucayan, Edwin P. Gordove, Jr., Abesalom Chee Morgi, Empress Nel P. Ma-cias, Angelica Jean Razon-able, Jea Ysabelll Rasonable and Jeanete Robo. They were accompanied by coaches Mary Ann U. Sispon, Efren V. Mejares, Jose L. Baldemor, Lily D. Ng, Dorina Rule, Miraluna Gaabucayan, Cesar Y. Re-gadalo, and parents and chaperons of some of the contestants, Baguio added. (RCAguhob/PIA10-Misamis Occidental/jdelpf)

BENEFITS OF TAEKWONDO TRAINING By: Wilfredo I. Balagas 2nd Dan Blackbelt

Philippine Taekwondo Association

Page 4: Mindanao Star (February 12, 2013 Issue)

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SPECIAL Gospel of the day:Marcos1:29-39 (Feb-ruary12, 2013-Tuesday)Marcos1:29-ug dihadiha mipahawa siya sa sinagoga, ug kinuyogan ni Santiago ug ni Juan, siya misulod sa balay nila ni Simon ug Andres:Sa listahan sa mga pulong sa Maayong Balita Bibliya page 373-dapit nga tigumanan sa mga Judio alang sa pagsimba sa adlaw nga igpapahulay ug diin himuon ang pagtuon sa mga pulong sa Dios. Sa Lukas4:14-Sa adlaw nga igpapahulay miadto si Jesus sa Sinagoga sa Galilea.Dinhi atong makita nga si Jesus “religious man” san-glit ang pagsimba sa Dios mao may iyang “nabatasan o habitual act.”St.Isidore Labrador principle,“Ora It Labora”nga sa ato pa, “ampo unahon usa magsugod sa gimbuhaton.”Tan-awa, ang cellphone nga sige gamiton ma “lowbat”nga dapat lang gayud icharged. So therefore, ang cell-phone dapat icharge sa kury-enti aron mo function ug

BiblicalReflection

BRO. EDCEL L. CLOSAS

Nabatasan

mapuslan.Mao usab kitang mga buhi nga dapat icharge sa tag-ya sa kusog nga mao ang Dios.Sa Salmo28:7-ang Dios mao ang tinubdan sa atong kusog.Musogot kitag sa dili, nga mura usab kitag cellphone nga kadugayan ug gamit mahutdan ug battery, nga kun kita sige lamang ug trabaho ug kayod apan dili kita ma“charge spiritually”sa Dios, hayan mawagtangan kitag kusog sa pagpadayon sa tanang hagit sa kinabuhi. Mao kini ang akong nabantayan ni Jesus, nga kun asa siya, iyang hab-

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tuesday febuary 12, 2013

nabatasan /P5

MALIPAYON na usab ang katawhan sa Pilipinas tungod kay aduna man kitay piliay lokal. Masaba na usab ang palibut sa mga loudspeak-ers sa mga kandidato, sa karadyohan ug telebisyon, miting sa plaza, mga pro-paganda ug uban pa nga kalihokan sa politika. Matud pa lagi nga ang mga Filipino kuno tulo lang ka higayon nga sila malipay ug mao ang panahon sa pista, sabong ug elections. Niining tulo ka higayon, mosayaw ang kwarta, pagkaon ug kalipay. Sa ubang panahon, medyo mag mokmok ug mag mam-ingawon ang tawo daw gahi mogula ang ilang pahiyum.

Labi na sa panahon sa lokal nga piliay diin nahilam-bigit ang mga lokal nga mga tawo masadya gayud. Sama pananglit sa uban diin mag-papili ilang igsoon, ig-agaw, silingan ba kaha o kinsa nga duol sa ilang dughan. Natural lamang nga molihok ilang bolibol ug mo apil sila sa mga kampanya, moatender sa mga

Hisgut-Hisgutlang

BEN EMATA JR.

Kampanya na usabmiting ug ubang kalihokan. Walay hunong ang actibidades hangtud ang uban makakuyog sa panag bingkil kon disgusto. Medyo maiinit ang kampanya labi na kon ikaw masakop sa daku nga banay nga makig takos kon estokada sa piliay. Masadya gayud. Matud pa sa akong nadawat nga taho nga si Mayor

Emano ug Gobernador Moreno nag trokis, nagkom-bati na, nag debate. Init na sila.

Ang politika karon medyo moderno na. Ang kwarta sa paritdo ug mga kandi-dato moandar na sayo pa sa kampanya. Dili mahimo ang kandidato nga sigi lamang bulatik ug walay pakaon sa mga tawo. Kadaghan sa mga botantes karon maayo na kaayo mangilkil sa kandidato ug mangayo na gayud sila sa pagkaon ug kwarta. Kon ikaw kandidato, nahibalo kana niini nga lenguahe sa piliay mao nga medyo ka mangandam sa matud pa bugnong lugaynon. Ang buot ipasabut nga duna ka gayud puhonan sa kombati.

Mao man kining hinungdan nga dunay mga kandidato nga mangawat gayud kon modaug na sila aron ilang mabawi ang minilyon nga ilang nagasto.

Mao man kining gitawag dayon nga corruption. Gi-kan man gihapon kini sa katawhan kay magpabayad man sila sa ilang balota. Unsa ba diay pag tan-aw nato sa kandidato factory sa kwarta? Ila kini inutang, o kaha ilang gibaligya ang kalubihan, balay, kabaw, daro, sanggotan ug uban para lamang maka kandidato. Daku man ang

gasto hinungdan nga ila kini bawion kon makalingkod na. Mao kini ang gitawag na kurakot. Kitaman mga botantes gihapon ang dunay sala niini. Mao nga matin-gala kita nganong daghan sa mga kandidato mahimong kurakot sila.

Pila raman ang sueldo sa usa ka gobernador. Sa usa ka mayor. Sa mga konsehales ug uban pa. Duitay ra ilang sueldo ug igo lang kini sa ilang pamilya. Ang uban ra ba duha o tulo ang pamilya. Asa man sila kuha sa ilang gastohon sa piliay? Daghan man kaayo paagui nga sila maka kwarta kon naa na sila sa poder. Daghan man mga proyekto sama sa buhat sa karsada, buhat sa tulay buhat sa embornal ug sa unsa pa diha nga pulos duna kini mga komisyon alang sa mga opsyales. Lupig pa nila ang pulis. Ma adunahan gayud ang politico. Wala kitay mahimo niini taman ra kita sa ataki sa media. (ben-emata.com)

Dr. Adonis Agcopra

The financial doctor

The NewGeneration

Alex A. Podadorsoul mates entails. If you are married, you are mar-ried to your soul mate. No matter how disharmonious a marriage is, God can bring healing, forgiveness, restora-tion, and true marital love and harmony. What can be done if we think that we married the wrong person? We have to seek ourselves to God and seek His guidance, He promises to direct us: “Trust

IS there such a thing as soul mates? A partner to fit for the other? Is it true that if you marry anyone other than his soul mate, you will never be happy? The soul mate concept is often used as an excuse for divorce. People who are unhappy in their marriage sometimes claim that they did not marry their soul mate and therefore should divorce and begin the search for their true soul mate. If you are married, the person you are married to is your soul mate. The Bible declares in Mark 10:7-9, “A man will leave his father and mother and be united to his wife, and the two will become one flesh. So they are no longer two, but one. Therefore what God has

Soul mates

joined together, let man not separate.” There is no such thing as perfect marriage. If you are pronounced as husband and wife, you two are now soul mates. But a couple needs to work on developing true “soul mate” intimacy. By obeying what the Bible teaches about marriage, a couple can develop the in-timacy, love, and commit-ment that being “one flesh”

in the LORD with all your heart and lean not on your own understanding; in all your ways acknowledge him and he will make your paths straight” (Proverbs 3:5-6). God is sovereign and if we married not the onse God chosed for us, God will still be in control if we let Him rescue a rocky marriage. God hates divorce (Mala-chi 2:16), and “marrying the wrong person” is never presented in the Bible as grounds for divorce. The claim “I married the wrong person and will never be happy unless I find my true soul mate” is baseless. God can take any two people, no matter how mismatched, and mold them into two people who are perfect for each other.

no more than lower returns as well. The investor’s level of greed determines how high a risk he would likely assume for a certain level of return. Risk vs. return = greed vs. fear. And bear in mind: “If it’s too good to be true, it probably is!” The liquidity factor of an investment determines the ease with which an as-set can be converted back to cash. Investments that can easily be turned to cash within a short time frame are deemed highly liquid. Cash and cash-equivalent investments such as money

“IF there are ABCs in invest-ing, there are also FGHIs… fear, greed, hope and igno-rance.” – Jesse Livermore As the “E-S-I-P” para-digm goes: Earn. Save. In-vest. Protect. Many individuals are afraid to invest. For these people, their fear is mostly rooted on ignorance or a lack of knowledge to investing. Seek therefore to understand your investments. Once you are treading in more familiar waters, investing allows you to harness the potential power of your money working for you, instead of you just working hard for the money! Money then becomes your willing servant. Just be cautious enough never to make it your master. All investment tools ad-here to three main investing attributes: risk, return, and liquidity.

ESIP Step 3: Learn to Invest!

Risk deals with your chances of losing your mon-ey. Knowing your investment risk exposure allows you to calculate the odds that your capital is still intact at a certain future point in time. Risk is moderated by the investor’s level of fear. Return is concerned with the growth potential of your money within a certain time period. Risk and return are directly related. The higher the returns projected by an investment, the higher is its corresponding built-in risk. But the lower the risk you are capable of assuming, expect

market instruments and sev-eral managed funds fall into this category. On the other hand, real estate, non-cash business assets and pre-cious metals are generally considered poorly liquid to non-liquid due to the difficulty of regaining their market value cash equiva-lents anytime. All investment tools have a certain combination of risk, return and liquidity profiles. Knowing the spe-cific feature of each invest-ment tool that you use will enable you to create a bal-anced and diversified port-folio that can support and sustain your financial goals – be they short, medium, or long-term. A knowledgeable financial professional should be able to help you thresh out these goals individually and collectively. Investigate before you invest. Act now!

Page 5: Mindanao Star (February 12, 2013 Issue)

edItOr: rolando n. sudaria , eMaIL: [email protected]

5Editorial @ Advertising Dept: Tel Nos: 857 8447 or 74 53 80Email: [email protected] Hot No: 0917-7121424 community MindanaostarYour community newspaper

edItOr: arJay feLIcILda , eMaIL: [email protected] tuesday febuary 12, 2013

Cebu Philharmonic Orchestra and is currently the Orchestra Director. In December 2012, he conducted the CPO Christmas Concert at SM Northwing Atrium with Guest Pianist Dr. Ingrid Sala Santamaria. And this month, Febru-ary 16 at 7:30 in the evening, Prof. Abellana will conduct the Cebu Philharmonic Or-chestra together with Unites the World Project of Japan in assisting international pianist Rudolf Golez, soloist for the benefit of Safer River Life Saver Foundation. To reserve your seats please call (088) 8584093 to 95 local 109 or call/text 09176366528. Tickets are at P500, P700 and P1000.

Concert......from page 8

political activity given directly or indirectly by natural or juridical persons operating a public utility or by those who hold contracts or sub-contracts to supply the government or any of its agencies, subdivi-sions or instrumentalities with goods or services or to perform construction or other work. Giving and accepting con-tributions by natural or ju-ridical persons who have been granted franchise, incentives, exemptions, or allocations or similar privileges or conces-sions by the government or any of its agencies, subdivisions or instrumentalities including government-owned or con-trolled corporations (GOCC). Giving and accepting con-tributions by natural or juridi-cal persons who within one (1)

it ang pag-ampo diha sa tem-plo, Sinagoga ug mga awaaw nga dapit, kay kini mao ang iyang“charging moment”uban sa Dios.Sa Lukas6:12-mitun-gas si Jesus sa bungtod ug gaampo tibuok gabei, nga kita makaingon nga labihang taasa ug dugaya sa iyang “pagpaki-ghinabi sa Dios.” SPONSORED:Neneth-BobongBalino-Dr.Edith,PhD-TonyJordan-CDO.San Pedro Calungsod, iampo mo kami! Listen: Radio Ultra AM-1188-3:00 PM-Sunday!Congrats Kapatid Edith Ranoa Jordan, New School Principal of CDO!-Bro. Edcel- #09284149490- Jagna, Bohol

Nabatasan......from page 4

DOTC......from page 7

Mayo ning tuiga. “Gipaila-ila usab sa Pa-dayon Pilipino ang mga kandi-datong lokal,” matud sa usa ka punong barangay nga miuban sa panon nganha sa Besigan ug Tignapoloan. Ang kalihokan giatol sa pagsugod sa mga pili-unong nasyonal mao nga gitoohan nga ang Padayon Pilipino modungan pagkampanya sa nasyonal. Tungod sa layo nga distan-sya sa Besigan, dili makabalik ang ginsakpan sa city council nganhi sa sentro sa dakbayan mao nga kansilado ang ilahang session karong adlawa.

Padayon......from page 1

targets. “This welcome spike in revenues, inspires confidence that our District is on the track in meeting our 2013 collection target of nearly P5.65 billion,” she stated. The Mindanao Container Terminal-subport (MCT-SP) in Tagoloan, Misamis Oriental, one of the three subports under the care of Collector Man-gaoang, was the top revenue earner for the period, with a collection of P494,727,304. The subport of Iligan City has contributed P17,488,465 while that of the subport of Oza-mis City reached P1,212,221. The main port of Cagayan de Oro had P45,777,221 collec-tion. MCT-SP, which is a contain-erized port under Atty. Javier C. Alpaño, services the logistical requirements of big corpora-tions, like Nestle Philippines and oil industry players Jetti and Phoenix Petroleum. This is Atty. Mangaoang’s second assignment to Northern Mindanao, she having been Cagayan de Oro’s district col-lector from January 2003 to May 2005. Prior to that, the Cagayan de Oro Collection District was

Customs......from page 1

roon din siya ng mas higit na “convincing power’ kung isa na siyang senador sa halip na isang lamang pribadong indibiduwal. Umani ng international na pagkilala ang kanyang liveli-hood projects mula sa basura nang gawaran si Misis Hanep Buhay ng United Nations ng parangal bilang “Brest Water Management Practice in the World”. Tinalo niya ang may 38 bansa. At dahil sa tagumpay ng kanyang mga proyekto, nais ni Mises Hanep Buhay na palawakin ang abot nito at mas maraming mabigyan ng pagkakakitaan partikular ang mga kababaihan sa buong bansa. Naniniwala si Mises

Villar......from page 1

respondents, the areas from which they were selected and the specific questions asked. The survey should also show its margin of error and a mailing address and telephone number, indicating it as an address or telephone number at which the sponsor can be contacted to obtain a written report regarding the survey. On the other hand, the survey together with the raw data gathered to support its conclusions shall be available for inspection, copying and verification by the Comelec. Meanwhile, the Comelec said exit polls as long as the pollster shall not conduct their surveys within 50 me-

Comelec......from page 1

DSWD conducts knowledge café

MISAMIS Occidental - The Department of Social Welfare and Development (DSWD-10) conducts a knowledge cafe to present their programs to media partners at Brgy. Siloy, Calamba town.

PhilHealth run shirts now available

BUTUAN City - Singlet/shirts for the PhilHealth Nationwide Run on Feb 17, 2013 are now available in XS, S, M, and L sizes. Early registrants can now claim it at Philhealth office.

DA turns-over freeze machine

SURIGAO del Sur - The Department of Agriculture, in coordination with the National Agri-Business Cor-poration, turned-over a Liquid Quick Freeze Machine worth P4.6-M to the Tandag Boholano Fishermen’s Association, recently, at the Tanbofisa Ice Plant in Surigao del Sur.

PRC explains purpose of Million Volunteer Run

BUTUAN City - The Philippine Red Cross’ Million Volunteer Run is aimed at urging the public to help reduce disaster risks and vulnerability of the com-munity in the interest of saving lives; to continuously build an army of 143 humanitarian soldiers in every barangay to respond to disasters, donate blood and alleviate human suffering; and to train and equip the Red Cross 143 Volunteers on disaster risk prevention.

Director Abner M. CagaPIA, R10 & 13 Cluster

PIANews Bits

baLaanG PuLOnG

Kamatayon ni ‘Lolong’ wala pay klarong hinungdan – Mayor Elorde

Sinulat ni Arjay S. Felicilda, News Editor

CAGAYAN de Oro City – Wala pay klarong hinungdan ang kamatayon ni Lolong, ang higanteng buaya sa Bunawan, Agusan del Sur.

Kini gibutyag ni Bu-nawan Mayor Edwin ‘Cox’ Elorde atol sa long distance interview sa Mindanao Star (MinStar) kagahapong ad-lawa.

Ang kamat ayon ni Lolong unang nasayran sa Minstar kaniadtong gabii sa Dominggo, pinaagi ni 1st Lt. Krisnen Peter Sarsa-gat, hepe sa Civil Military Operations (CMO) sa 26th Infantry Batallion, basi sa Agusan del Sur.

Sa iyahang text message nga gipasukad sa Philip-pine Information Agency (PIA), si 1st Lt. Sarsagat

nagkanayon, “Lolong, a giant saltwater crocodile captured in Bunawan, Agu-san del Sur in 2011 is now dead. This was confirmed by Bunawan Mayor Ed-win ‘Cox’ Elorde just now. Elorde said Lolong was confirmed dead past 8:00 tonight (Sunday).”

Gikareport ni kaniad-tong Enero 19 ning tuiga, namatikdan sa caretaker ang tae ni Lolong nga adunay sagol nga ‘straw’ o plastic nga pangtakgos sa mga bagahe.

“Apan dili kita maka-too dayon nga kadto maoy hinungdan sa iyang pag-kalanag ug kamatayon,” pamahayag ni Mayor Elorde.

Matud niya nga sa pag-kakaron, ilang gipa-unlod

filipino-chinese shot deadCAGAYAN de Oro City – Usa ka 42-anyos nga ahente sa Wood Station Corpora-tion sa Trento, Agusan del Sur ang gipusil-patay sa na-ilang mga tawo. Ang krimin nahitabo sa Purok 5, Brgy San Ignacio, lungsod sa Trento kaniad-tong kaadlawon sa Sabado. Si Police Supt. Martin M. Gamba, hepe sa PRO-13 information office, mipa-ila sa biktima nga si Roy Sze,

Chinoy nga taga-Tagum City. Sumala sa mga imb-estigador sa sa Trento Mu-nicipal Police Station, si Mr. Sze gipusil samtang siya mosulod na unta sa iyah-ang kotse nga nakaparada daplin sa dalan. Ang mga mipusil kaniya misakat sa puti’ng Isuzu Trooper sa ilahang pagbiya sa dapit sa krimin, dugang asoy sa kapulisan.

Na-recover sa SOCO-Agusan Sur ang 12 ka ba-siyong bala sa kalibre 9MM nga pistola; ug 13 ka basi-yong bala sa kalibre .45 nga pistola; Na-recover usab ang duha ka deformed nga bala sa wala natinong matang sa armas ug duha deformed nga bala sa kalibre 9MM nga pistola. Gikareport usab nga si Mr. Sze kanhi nagtrabaho

sa usa ka wood manufac-turing company sa Com-postella Valley sa wala pa siya nag-freelance sa Trento sukad kaniadtong Enero ning tuiga. Dihadiha, ang Agusan del Sur Police Provincial Office mimugna sa Special Investigation Task Group “Sze” aron pag-imbestigar niini nga krimin. (basi sa report ni SPO1 Philip Amer P Mazo) Pinaagi sa pagpasalamat, mapaambit nato ngadto sa uban

ang mga nahimo sa DIOS nganhi kanato. (2Cor 5: 12-21)

sa yelo si Lolong aron dili madugta ang iyahang lawas, samtang gipaabot ang mga eksperto gikan sa Protected Areas and Wildlife Bureau (PAWB) sa Palawan nga maoy mosuta sa tukmang hinungdan sa kamatayon

sa nahisgotang buaya.Nasayran nga si Lolong

nakatabang pagpalambo sa eco-tursimo sa Bunawan gumikan sa pagdagsang sa domestic ug foreign tourists nga miduaw ug mitan-aw kaniya.

ters from the polling place, whether said survey is taken in a home, dwelling place and other places. They should also wear distinctive clothing and promi-nently wear their identification cards issued by the organiza-tion they represent and inform the voters that they may refuse to answer. Moreover, the results of the exit polls may be announced after the closing of the polls on election day, must identify the total number of respondents and the places where they were taken and that announcement shall state that the same is unof-ficial and does not represent a trend. (RCA-PIA10, Misamis Occidental)

Hanep Buhay na dapat lamang tumulong ang mga misis sa kanilang mga mister upang higit na maitaguyod ang mga anak.

reportedly not meeting its collection target for 10 years. In 2003, the National Steel Corporation stopped opera-tions and about P600 million in expected revenues were lost, but despite that and the decrease in volume of impor-tation by P35%, the revenues have done up by 25%. In the same year, the Cagayan de Oro Collection District made a turn-around and became a billionaire port, andIt was given the Best Col-lection District Award in 2003. (with report from CDO BOC Information Office)

year prior to the date of the election have been granted loans or other accommoda-tions in excess of PI00,000 by the government or any of its agencies, subdivisions or instrumentalities including GOCC’s. Meanwhile, the Comelec said it is unlawful for any per-son or organization, whether civic or religious, to directly or indirectly solicit and/ or accept from any candidate for public office or from his campaign manager, agent or representative, or any person acting in their behalf, any gift, food, transportations, contribution or donation in cash or in kind from the start of the election period up to and including the election day. Likewise, it is unlawful to use under any guise whatso-ever, directly or indirectly of any printing press, radio or television station or audio-visual equipment operated by the government or by its subdivisions, instrumentalities, agencies or instrumentalities, including GOCC’s. It is also unlawful to use any equipment, facility, appa-ratus, paraphernalia or vehicle owned by the government or by its political subdivisions, agencies or instrumentalities, including GOCC’s or by the Armed Forces of the Philip-pines (AFP) for any election campaign for any partisan political activity. (RCAguhob/PIA10-Misamis Occidental/jdelpf)

Page 6: Mindanao Star (February 12, 2013 Issue)

billboard6 MindanaoStarYour community newspaper

tuesday febuary 12, 2013

claSSified adSE-mail: [email protected] ,Advertising: 0917-7121424, 856-3344, 72-33-44

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

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Contact no.: 309-5276HERMILINO VILLALON

Page 7: Mindanao Star (February 12, 2013 Issue)

regional

7MindanaostarYour community newspaper

tuesday febuary 12, 2013

the regionEDITOR: Rolando N. Sudaria , EMAIL: [email protected]

Editorial @ Advertising Dept: Tel Nos: 857 8447 or 74 53 80Email: [email protected] Hot No: 0917-7121424

OROQUIETA City - The Commission on Elections (Comelec) has deputized the Department of Transporta-tion and Communications (DOTC) to disseminate certain prohibitions relative to the May 13, 2013 national and local elections. Particularly, the DOTC is tasked to inform all owners and operators of land and air transportation facilities and telecommunications services, holders of certifi-cates of public convenience, franchises or other forms

DOTC informs transport groups of election prohibitions

By Rutchie C. Aguhob

Phonological awareness refers to the ability to attend to sounds of language as distinct from its meaning. Studies of both alphabetic languages show that phonological awareness is highly correlated with reading ability. For alphabetic languages, pho-nemic awareness is especially important because the letters of the alphabet map into individual sound units (Phonemes). Children who are able to attend t the indi-vidual phonemes in alphabetic languages are much more likely to learn the alphabetic principle (How letters map on phonemes) and, therefore, learn to recog-nize printed words quickly and accurately.

For alphabetic languages, many studies have shown that phonemic awareness is closely associated with reading ability in the early and later years of school-ing. Furthermore, reading instruc-tion and phonological awareness helps children to discover the alphabetic principle. At the same time, learning to read alphabetic script also develops phonological and phonemic awareness.

Practical classroom appli-cation:.Phonics is based on the systematic teaching of sound and letter of relationships as well as sound and spelling patterns. This is helpful in beginning English reading instruction. Children who have learned to read prior to formal schooling do not need such instruction. Older readers do not benefit as much from phonics instruction..Teaching student to identify phonemes with or without te use of letters is effective.. Teachers can develop students’ phonological skills through a wide variety of activi-ties. Rhymes, alliteration (words which start with the same sounds) and poetry can be used to draw children’s attention to individual sounds in language.Teachers can focus on in-dividual syllables and sounds in language in the context book reading It does not have to be taught in total separation from other reading activities. (Adams, 1998;Cunningham, 1990; Juel 1991)

Teaching Phonological and Phonemic Awareness

Rashmiah M. PendatunPamotolon Elementary School – Teacher I

Kalilangan Bukidnon

of authorization, that the following provisions under the Omnibus Election Code are considered election of-fenses: Giving or accepting transportation, free of charge, directly or indirectly during the five hours before and after a public meeting, on the day preceding the election and on election day by any candidate, political party or organization. Giving or accepting con-tributions for partisan

dotc /P5

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Page 8: Mindanao Star (February 12, 2013 Issue)

8tuesday febuary 12, 2013

E-mail: [email protected] ,Advertising: 0917-7121424, 856-3344, 72-33-44feature MindanaostarYour community newspaper

THIS coming February, classical music lovers will be privileged to hear well-loved pieces performed live under the baton of one young Cebuano conductor – Professor Reynaldo Abellana. Professor Abellana was one of the first scholars of the Salvador and Pilar Sala Foundation Incor-porated (SPSFI). Under the aegis of SPSFI, he had the rare opportunity to be trained in Japan on Suzuki Method. He later became a part of the Cebu Youth Symphony Orchestra Development Program (which eventually became the

Young Cebuano conductor leads Classical Concert at Rodelsa Hall

Professor Reynaldo Abellano

Cebu Youth Symphony Orchestra) as a violinist. He studied under the tutelage of Professor Rodelio Flores. In May 1999, he had his Solo Recital in the Pilar B. Sala Hall. In 2001, he graduated from the University of Southern Philip-pines with a degree in Bachelor of Arts Major in Music. Later that year, he joined the San Miguel Philharmonic Orchestra. He also became a member of Manila Philharmonic Orchestra. While in Manila, he continued his violin lessons under Professor Gonzalo

Estrada and Eliazar Bautista. In 2002, he resigned from SMPO and pursued a career as a violin-ist in Cruise Ships under Rosario Strings. After nine years with Rosario Strings, he completed his last contract and decided to establish a land-based career back in Cebu. He opened up the Classic Orchestra Music Studio in May with the desire to bring quality teaching and to continue the music legacy of the Battig Music School where he started. He initiated the formation of the

concert /P5

TO fur ther strength-e n t h e b o n d b e t w e e n Pag-IBIG Fund and El Salva-dor City’s Cogon Multi Purpose Cooperative (CMPC), a signing of the Memorandum of Agreement (MOA), for the latter’s membership activation, will take place at the Cagayan de Oro Branch.

However, even before the MOA signing could take place between both parties; CMPC’s President Mr. Ramon T. Jamis already remitted the members’ initial savings payment, at the Pag-IBIG Fund Cagayan de Oro Branch, last January 31, 2013.

During a recent interview, Mr. Jamis emphasized, “sam-tang aduna kami pangita karon, ang mga opisyales uban sa mga miyembro sa CMPC, mipili nga makatigum para sa among kaugmaon, pinaagi sa pagpa-miyembro sa Pag-IBIG Fund, (While we sti l l have a source of income now, we the officers and members of the CMPC, chose to save as members of Pag-IBIG Fund).

“Naglantaw man gud kami alang sa among kaayuhan sa umaabot, busa nag desisyon kami ng mag-gahin ug dos porsyento (2%) sa among pangita matag bulan, isip tinigum sa Pag-IBIG Fund, ug sa maong pamaagi adunay seguridad para sa among kaugmaon ug para sa among pamilya,” (While looking into our prospective benefits and privileges, we decided to set aside 2% of our monthly income as savings in Pag-IBIG Fund, thereby giving us a sense of security for our future and also for our fam-ily.), Jamis asserted.

Moreover, the Cogon MPC is a duly organized coop-erative whose main trade is lending. The cooperative is composed of currently em-ployed members, as well as self employed individuals (i.e. farmers and vendors). Their main office is located at Cogon, El Salvador City, Misamis Oriental.

In a related development, the Provident Savings Pro-gram in Pag-IBIG Fund pro-vides higher dividend earnings to member savers’ accounts, as compared to other financial institutions, because of its tax free salient feature. Similarly, as of 2011, Pag-IBIG Fund declared and proportionately added P8.49 Billion as divi-dends among it 10.2 million members.

As of March 2012, Pag-IBIG Fund has grown finan-cially firmer and robust with P307 Billion in total assets; which was enhanced with the increase in members’ equity amounting to P220 Billion, for the same period.

Saving in Pag-IBIG Fundgives coop members a sense of security