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The Bogo Times

Kris Dece Ortizano of Bogo City topped the singing category of the 2014 Regional Children's Contest which was organized by the Department of Social Welfare and Development (DSWD) Field Office VII.
Kris Dece Ortizano
Photo source: www.fo7.dswd.gov.ph

Around 200 day care children from different cities and towns in Central Visayas participated in the 2014 Regional Children's Contest held at J Centre Mall, Mandaue City. The event aims to showcase the different talents of children and to raise awareness of the public on the positive effects of children experiencing psycho-social-spiritual stimulation in Day Care Centers. Children competed in three creative art categories: Singing, Folk Dance, and Draw & Tell contest. 

Bogo City's Kris Dece Ortizano impressed the audience with her angelic voice and soulful interpretation of a Cebuano song "Tatay Pauli Na". Mica Mhiel Ebrado of Dumaguete City bested other 15 kids and emerged first place in the Draw & Tell contest. The Mandaue City contingent was declared the winner for the Folk Dance category. All winners received cash prizes and certificates of recognition. Non-winning contestants also received consolation prizes. 

Read more about the contest.




12/01/2014 08:15:00 AM No comments
Criminologist Licensure Examination Results

The Professional Regulation Commission (PRC) announced Wednesday, November 26 that 12,245 out of 28,187 passed the Criminologist Licensure Examination administered by the Board of Criminology in the cities of Manila, Baguio, Cagayan de Oro, Cebu, Davao, Iloilo, Legazpi, Lucena, Pagadian, Pangasinan, Tacloban, Tuguegarao and Zamboanga last October 2014.

Registration for the issuance of Professional Identification Card (ID) and Certificate of Registration will be on December 2-5, 2014. Those who will register are required to bring the following: duly accomplished Oath Form or Panunumpa ng Propesyonal, current Community Tax Certificate (cedula), 1 piece passport size picture (colored with white background and complete nametag), 2 sets of metered documentary stamps and 1 short brown envelope with name and profession and to pay the Initial Registration Fee of P600 and Annual Registration Fee of P450 for 2014-2017. Successful examinees should personally register and sign in the Roster of Registered Professionals.

The date and venue for the oathtaking ceremony of the new successful examinees in the said examination will be announced later.

Successful examinees who garnered the ten highest places are the following:

RANKNAMESCHOOLRATING (%)
1CHRISTIAN JIMENA CORPUZ PAGADIAN CAPITOL COLLEGE, INC (FORPAG. COLL OF CRIM)90.15
2ARTEMIO BOLLOSA BURCE IMANUEL L. QUEZON UNIVERSITY90.1
3JERVIS ALLEN MUSNI RAMOSUNIVERSIDAD DE MANILA (CITY COLL. OF MANILA) 89.95
4RENANTE PENASO ALUAD JRUNIVERSIDAD DE MANILA (CITY COLL. OFMANILA) 89.8
5VIENCE YACO VILLANUEVA CORDILLERACAREER DEVELOPMENTCOLLEGE89.65
6JOHN MICHAEL DOON DIONISIOOUR LADY OF FATIMA UNIVERSITYVALENZUELA89.6
7JULIUS CEASAR THOMAS CALUMINACORDILLERA CAREER DEVELOPMENTCOLLEGE 89.55
FREDERICK RICAFRANCA ICARO LAGUNA STATE POLYTECHNIC UNIV-SN PABLO(LSPC) 89.55
JEM VINCENT DE LOS SANTOS PACALDOUNIVERSITY OF CEBU 89.55
8MARK JOSEPH MASCAN VIRGILIODAVAO ORIENTAL STATE COLLEGE OF SCIENCE & TECHNOLOGY89.4
9CATHERINE FERNANDEZ REYES CHRISTIANPOLYTECHNIC INSTITUTE OF CATANDUANES89.1
10AILEEN MABERIT GENOVAÑA WESTERN PHILIPPINES UNIVERSITYPUERTO PRINCESA88.95

Here is the full list of passers:

11/27/2014 10:01:00 AM No comments

Just one month to go before Christmas. Now may be the best time to post about one of the most awaited moments for employees - to receive his/her 13th month pay. 

Q:  What is 13th month pay?

A:  13th month pay is a form of monetary benefit equivalent to the monthly basic compensation received by an employee, computed pro-rata according to the number of months within a year that the employee has rendered service to the employer.

Q: Who are required to pay the 13th month pay?

A: All establishments regardless of the number of employees are required to pay their rank-and-file employees the 13th month pay.


Q: Who are entitled to receive the 13th month pay?


A: All rank-and-file employees regardless of the nature of their employment, and irrespective of the methods by which they are paid, provided they worked for at least one month during a calendar year.


Q:  How is 13th month pay computed?


A:  The 13th month pay is computed based on 1/12 of the total basic salary of an employee within a calendar year, or basic monthly salary for the whole year divided by 12 months.


Q:  What are the components of “basic salary”?


A:  “Basic salary” shall include all remunerations or earnings paid by an employer to an employee for services rendered, but does not include allowances and monetary benefits which are not considered, or integrated, as part of the regular, or basic, salary, such as the cash equivalent of unused vacation and sick leave credits, overtime, premium, night differential and holiday pay. Basic salary includes cost-of-living allowances.

However, these salary-related benefits should be included as part of the basic salary in the computation of the 13th month pay if, by individual or collective agreement or company practice or policy, the same are treated as part of the basic salary of the employees.

Q: Are maternity leave benefits included in the computation of 13th month pay?


A:  No. Maternity leave benefits are not included in the computation of 13th month pay.


Q:  When shall 13th month pay be paid?


A:  13th month pay should be paid not later than December 24 of each year.


Q:  Is there an option when a covered employer should pay the 13th month?


A:  Yes.  A covered employer may pay one-half of the 13th month pay before opening of the regular school year and the other half on or before the 24th day of December of every year.


Q:  Are all employees entitled to 13th month pay?


A:  Only rank-and-file employees are entitled to 13th month pay.  The Labor Code, as amended, distinguishes a rank-and-file employee from a managerial employee.  A managerial employee is one who is vested with powers or prerogatives to lay down and execute management policies and/or to hire, transfer, suspend, lay off, recall, discharge, assign, or discipline employees, or to effectively recommend such managerial actions.  All employees not falling within this definition are considered rank-and file employees.

Q:  Are there employers who are exempted from paying the 13th month?


A:  Yes.  The following employers are exempted to pay 13th month under PD 851:

(a)        Government and any of its political subdivision, including government-owned and controlled corporations, except those corporations operating essentially as private subsidiaries of the Government;

(b)       Employers already paying their employees 13th month pay or more in a calendar year or its equivalent at the time of this issuance;

(c)        Persons in the personal service of another in relation to such workers; and

(d)       Employers who are paid on purely commission, boundary, or task basis, and those who are paid a fixed amount for performing a specific work, irrespective of the time consumed in the performance thereof, except where the workers are paid on piece-rate basis in which case the employer shall grant the required 13th month pay to such workers.

source: www.gov.ph
11/26/2014 08:31:00 AM No comments

San Remigio's Lapyahan was recently tagged as the first LakasLikasan area in the Province of Cebu. 

The “LakasLikasan” tagging is part of the climate change advocacy campaign of the Department of Environment and Natural Resources (DENR) and the Philippine Information Agency (PIA) in places cited for environmental relevance.

Known as the longest shoreline in Cebu, San Remigio's lapyahan is one of the sources of livelihood for the locals. 

More than 300 students from San Remigio National High School, Hagnaya Elementary School, and San Remigio Central School made a pledged to take care of the environment including the Lapyahan during a recent Multi-Schools Campus Caravan held by PIA Cebu and DENR-7. 

The students were all ears as they listened to DENRO Provincial Officer Jose Cleo Cary Colis who discussed Environmental Stewardship.
Colis narrated several “small” things most people do not know are causing harm to the environment, including the fact that plastic takes several years to decompose.
“Bottle used in mineral water will take 450 years to decompose; styrofoams unfortunately will not decompose,” Colis said. - PIA.GOV.PH

Full story here.
11/21/2014 07:56:00 AM No comments

If you’re looking to apply for a new passport or renew an old one, you can set an appointment online through the DFA Passport Appointment System. 

New Applications


GENERAL REQUIREMENTS:

- Personal appearance
- Confirmed appointment
- Birth Certificate (BC) in Security Paper (SECPA) issued by the National Statistics Office (NSO) or Certified True Copy (CTC) of BC issued by the Local Civil Registrar (LCR) and duly authenticated by NSO. Transcribed Birth Certificate from the LCR is required when entries in NSO Birth Certificate are blurred or unreadable. (Report of Birth duly authenticated by NSO if born abroad)
- Valid picture IDs and supporting documents to prove identity (Please refer to List of Acceptable IDs and List of Supporting Documents)

Call (02) 737-1111 for your NSO Birth Certificate

IN CASE OF NO BIRTH RECORD:


IF BORN IN OR AFTER 1950 (JANUARY 1, 1950 OR AFTER):

- Apply for the delayed registration of birth at the local civil registry office located at the place of birth of applicant.
- Submit authenticated Birth Certificate from NSO and supporting public document/s upon the discretion of the processor or Consular Officer, with correct date and place of birth (i.e. Form 137, Voter’s Registration Record, Baptismal Certificate with readable dry seal or National Commission on Muslim Filipinos (NCMF) / Office on Muslim Affairs (OMA) Certificate with photo and readable dry seal for Muslim applicants).

IF BORN BEFORE 1950 AND BELOW (DECEMBER 31, 1949 AND BELOW):

- Certificate of Non-Availability of Record from NSO
- Notarized Joint Birth Affidavit of Two Disinterested Persons
- Any public document/s with correct full name, date and place of birth (i.e. Baptismal Certificate with readable dry seal or NCMF / OMA Certificate with photo and readable dry seal for Muslim applicants)


FOR MARRIED WOMEN:

- Marriage Contract (MC) in Security Paper (SECPA) issued by the National Statistics Office (NSO) or original and photocopy of the Certified True Copy (CTC) of MC issued by the Local Civil Registrar (LCR) and duly authenticated by NSO. Transcribed Marriage Contract from the LCR is required when entries in NSO Marriage Contract are blurred or unreadable.
- Report of Marriage duly authenticated by NSO if married abroad


FOR SPOUSE OF FOREIGN NATIONAL:

- Marriage Contract (MC) in Security Paper (SECPA) issued by the National Statistics Office (NSO) or Certified True Copy (CTC) of MC issued by the Local Civil Registrar (LCR) and duly authenticated by NSO. Transcribed Marriage Contract from the LCR is required when entries in NSO Marriage Contract are blurred or unreadable.
- Report of Marriage duly authenticated by NSO if married abroad
- Original and photocopy of Commission of Filipino Overseas (CFO) Guidance and Counseling Certificate of Attendance (required for first time applicants or renewal of passport to be used for the first time the surname of the husband)


APPLICANTS WHO AVAILED OF DUAL CITIZENSHIP OR ELECTION OF PHILIPPINE CITIZENSHIP UNDER RA 9225:

- Identification Certificate
- Oath of Allegiance
- Order of Approval
- Report of Birth (for those born abroad)

Call (02) 737-1111 for NSO Marriage Certificates


For Minors (Below 18 Years Old)

GENERAL REQUIREMENTS

- Confirmed appointment (except for 1 year old and below)
- Personal appearance of the minor applicant
- Personal appearance of either parent (if minor is a legitimate child) / of mother (if minor is an illegitimate child)
- Original Birth Certificate of minor in Security Paper issued by NSO or Certified True Copy of Birth Certificate issued by the Local Civil Registrar and duly authenticated by NSO. Transcribed Birth Certificate from the LCR is required when entries in NSO Birth Certificate are blurred or unreadable. Report of Birth duly authenticated by NSO is required if minor was born abroad.
- Document of identity with photo, if minor is 8-17 years old (for first time and renewal applicant) such as School ID or Form 137 with readable dry seal
- For minor applicants who never attended school, a Notarized Affidavit of Explanation executed by either parent (if minor is a legitimate child) / by mother (if minor is an illegitimate child) detailing the reasons why the child is not in school, is required
- Marriage Certificate of minor’s parents duly authenticated by NSO
- Notarized Affidavit of Support and Consent to travel from either parent (if minor is a legitimate child) / from mother (if minor is an illegitimate child)
- Original and photocopy of valid passport of the person traveling with the minor
- Photocopy of valid passport of either parent (if minor is a legitimate child) / of mother (if minor is an illegitimate child) or identification documents


ADDITIONAL REQUIREMENTS:


IF MINOR IS NOT TRAVELING WITH EITHER PARENT OR ALONE

- Personal appearance of the mother is required if minor applicant is an illegitimate child.
Affidavit of Support and Consent (ASC) executed by either parent indicating the name of the traveling companion and relationship to the minor. If minor will be traveling alone, ASC must be executed by either parent, stating that his/her child will be traveling alone. If minor is illegitimate, mother should execute the ASC.
- Original and photocopy of DSWD Clearance
- There is no need to secure a DSWD Clearance if the minor traveling abroad has parents who are in the Foreign Service or living abroad or are immigrants, provided he / she is holding a valid pass such as a dependent’s visa / pass / identification card or permanent resident visa / pass / identification card which serves as proof that he / she is living with parents abroad.


IF BOTH PARENTS ARE ABROAD:

- Affidavit of Support and Consent (ASC) executed by either parent indicating the name of the traveling companion (authenticated by the nearest Philippine Embassy or Consulate General). If minor is illegitimate, mother should execute the ASC.
- Special Power of Attorney (SPA) with an attached photocopy of either parent’s valid passport (authenticated by the nearest Philippine Embassy or Consulate General) authorizing a representative in assisting the child to apply for a passport. If minor is illegitimate, mother should execute the SPA.
- Original and photocopy of DSWD Clearance
- There is no need to secure a DSWD Clearance if the minor traveling abroad has parents who are in the Foreign Service or living abroad or are immigrants, provided he / she is holding a valid pass such as a dependent’s visa / pass / identification card or permanent resident visa / pass / identification card which serves as proof that he / she is living with parents abroad.
- Proper ID of the duly authorized representative (Please refer to List of Acceptable IDs)


IF MINOR IS LEGITIMATED BY SUBSEQUENT MARRIAGE OF PARENTS:

- Authenticated Birth Certificate from NSO must include annotation regarding new status as legitimated and the full name of the child



IF MINOR IS ILLEGITIMATE BUT ACKNOWLEDGED BY FATHER:

- Birth Certificate from NSO reflecting surname of father with Affidavit of Acknowledgement and Consent to use the surname of father


FOUNDLING:

- Certificate of foundling authenticated by NSO
- DSWD Clearance
- Passport of the person who found the applicant
- Letter of authority or endorsement from DSWD for the issuance of passport


ORPHANED MINOR APPLICANT:

- Authenticated Death Certificates of parents from NSO
- Court order awarding guardianship of the orphaned minor applicant or substitute parental authority under Article 214 & 216 of the Family Code
- DSWD Clearance



ABANDONED MINOR APPLICANT:

- Court order awarding guardianship of the abandoned minor applicant or substitute parental authority
- DSWD Travel Clearance



LEGALLY ADOPTED:

- Original and Certified True Copy (CTC) of NSO Birth Certificate before adoption
- Original and Certified True Copy (CTC) of the NSO amended Birth Certificate after adoption
Certified True Copy (CTC) of the Court Decision or Order on Adoption and Certificate of Finality
- DSWD clearance for minor applicant, if traveling with the person other than the adopting parents

      

In case the applicant is for adoption by foreign parents:

- Certified True Copy of the Court Decree of Abandonment of Child
NSO Death Certificate of the child’s parents or the Deed of Voluntary Commitment executed after the birth of the child
- Endorsement of child to the Intercountry Adoption Board by the DSWD
- Authenticated Birth or Foundling Certificate


MINOR APPLICANT WHOSE PARENTS ARE ANNULLED / DIVORCED:

- Court order awarding guardianship of the minor applicant or substitute parental authority
- DSWD Travel Clearance
- NSO Marriage Certificate with annotation on nullity or annulment decree


MINOR APPLICANT WHOSE MOTHER IS LIKEWISE A MINOR:

- Personal appearance of mother and maternal grandparent/s
- NSO Birth Certificate of minor applicant and mother
- Affidavit of Support and Consent executed by the maternal grandparent/s indicating the name of the traveling companion
- DSWD Clearance if minor will be traveling with the person other than the maternal grandparent/s
- Proof of identity of mother and maternal grandparent/s (Please refer to List of Acceptable IDs)



For Muslim Applicants



GENERAL REQUIREMENTS

- Confirmed appointment (except for 1 year old and below)
- Personal appearance of the minor applicant
- Personal appearance of either parent (if minor is a legitimate child) / of mother (if minor is an illegitimate child)
- Original Birth Certificate of minor in Security Paper issued by NSO or Certified True Copy of Birth Certificate issued by the Local Civil Registrar and duly authenticated by NSO. Transcribed Birth Certificate from the LCR is required when entries in NSO Birth Certificate are blurred or unreadable. Report of Birth duly authenticated by NSO is required if minor was born abroad.
- Document of identity with photo, if minor is 8-17 years old (for first time and renewal applicant) such as School ID or Form 137 with readable dry seal

For minor applicants who never attended school, a Notarized Affidavit of Explanation executed by either parent (if minor is a legitimate child) / by mother (if minor is an illegitimate child) detailing the reasons why the child is not in school, is required
- Marriage Certificate of minor’s parents duly authenticated by NSO
- Notarized Affidavit of Support and Consent to travel from either parent (if minor is a legitimate child) / from mother (if minor is an illegitimate child)
- Original and photocopy of valid passport of the person traveling with the minor
- Photocopy of valid passport of either parent (if minor is a legitimate child) / of mother (if minor is an illegitimate child) or identification documents


FOR LATE REGISTERED MUSLIM APPLICANTS:

- Certificate of Tribal Affiliation from the National Commission on Muslim Filipinos (NCMF)



FOR CONVERTS WHO WOULD LIKE TO USE THEIR MUSLIM NAME:

- Annotated Birth Certificate (BC) in Security Paper (SECPA) issued by the National Statistics Office (NSO) bearing the Muslim name
- National Commission on Muslim Filipinos (NCMF) or Office on Muslim Affairs (OMA) Certificate of Conversion



IF APPLICANT IS A DOST SCHOLAR (SAME GENERAL REQUIREMENTS STATED ABOVE):

- Secure a certification or clearance from DOST




Source: http://www.gov.ph/services/passport/new-applications/ 
11/12/2014 09:10:00 AM No comments
Yolanda - A year After

Here are the winners of the Yolanda: A Year After Photo Contest.

Yolanda Relief Operations Category


Yolanda A Year After
First Place
"Smiles"
by Carlo Caracena
November 17, 2013
Bogo City

Yolanda - A year After
Second Place
"Thirst"
by Daniel M. Ybanez
November 15, 2013
Sta. Fe, Bantayan Island

Yolanda - A year After.jpg
Third Place
"Gifts from Heaven"
by Rene M. Ybanez
November 22, 2013
Barrio Langod, Sulangan, Bantayan Island

Yolanda Rehabilitation & Recovery Category


Yolanda A Year After
First Place
"Rebuilding Hideaway"
by David T. Ramos
November 18, 2013
Tindog, Medellin


Yolanda - A year After.jpg
Second Place
"Bayanihan"
by Rene M. Ybanez
November 16, 2013
Kota Beach, Sta. Fe, Bantayan Island


Yolanda - A year After
Third Place
"Stepping Into a New and Colorful Beginning"
by Antonio Rey O. Pepito Jr.
October 19, 2013
Polambato, Bogo City


Yolanda Emergency Response and Search & Rescue Category


Yolanda - A year After
First Place
"Obstacle Race"
by Roger Tonacao
November 8, 2013
Bogo City


Yolanda - A year After
Second Place
"Home Wrecked"
by Daniel M. Ybanez
November 14, 2013
Brgy. Langod, Sulangan, Bantayan Island


Yolanda - A year After
Third Place
"Lost But Not Gone"
by Daniel M. Ybanez
November 30, 2013
Brgy. Bias, Bantayan Island
Click here for the other Finalists.

Winning photos will be exhibited in SM City Cebu, Ayala Center Cebu, Museo Sugbo, Provincial Capitol and Manila Exhibit c/o Office of the Presidential Assistant for Rehab and Recovery.

Source: Cebu Provincial Government FB Page

Credits to the owners. If you are one of the owners of  the photos posted and want your photo(s ) removed from this site, please contact us (use the contact form below or E-mail us). 
11/07/2014 03:39:00 PM No comments
Andok's Litson Manok

About Andok's


ANDOK'S is primarily engaged in the business of selling litson manok (roasted chicken). Over time, ANDOK'S had evolved and added a new concept to its main business of offering roasted chicken, and that is the concept of specialty grocery store offering a host of products, including beer, an assortment of beverages, rice, sugar, and other grocery products.

Franchising


Andok's offers two franchise formats: Take-out and Dine-in. Both offer the same great tasting and affordable food Filipino families have come to love through the years.

The Franchise Package includes :

- The right to use Andok's trademark, name and logo.
- Start-up and pre-opening assistance.
- Store design and construction assistance.
- Franchise operations manual.
- Business management, operations and customer service training.
- An established brand image and nationwide advertising support.
- Continuous product development and innovation.
- Economical pricing for ingredients, equipment and supplies.

Franchise Fee / Initial Investment


- Andok’s dine-in store = PhP 500,000
- Andok's take-out store = PhP 300,000

Other investment considerations will be construction, equipment, furnishings and initial working capital, which may vary depending on outlet size and location.

Term of the Franchise Agreement


The initial term to franchise is five (5) years for dine-in stores and three (3) years for take-out stores, with succeeding two renewals of five (5) years each and three (3) years each, respectively for dine-in stores and take-out outlets.

Location Requirement


A take-out store requires a floor area of approximately 40 to 50 square meters. For dine-in store, a floor area of about 200 to 250 square meters that can seat about 150 to 200 customers is required. Ideal locations are: visible and accessible from major thoroughfares; passenger terminals of public utility vehicles; community centers or malls; near markets; commercial/ business district; and areas with high foot and vehicle traffic.

Operations manual


Franchisee will receive a copy of the confidential Franchise Operations Manual. This contains the policies and procedures involved in running an Andok’s store. Franchisee will be given a copy of the manual immediately after signing of Franchise Agreement and payment of Franchise Fee.

Training


For a franchisee of an Andok’s dine-in store, the owner and 26 of his employees shall receive extensive training for at least 15 days, which includes 5 days at Andok’s head office and 10 days at a Company-owned store and an additional 5 days upon soft opening at the franchisee store. Training conducted for franchised take-out stores shall cover training of the owner and 8 of his employees for at least 10 days, which includes 4 days at Andok’s head office and 6 days at a company-owned store and an additional 5 days upon soft opening at the franchisee store.

Supplies and Ingredients


All stocks and ingredients will be supplied from the Andok’s production facility pre-portioned, marinated and ready-to-cook. 

Take-out franchise stores will be equipped with:
- the standard rotisserie machine with hood and stainless steel chimney
- stove 
- siopao steamer 
- cooking table 
- Dokito fryer
- chiller boxes 
- freezers and other equipment. 

For dine-in facilities, the franchise will follow standard store design and lay-out that characterizes a typical Andok’s dine-in store. This includes equipment, furniture and fixtures. Leasehold improvement, furniture, fixture and equipment including signage will be provided by Andok’s or its accredited contractors and suppliers only.

Franchise Requirements

Submit the following pre-qualification requirements:
- Letter of Intent specifying the exact location, size and other details of the proposed site (indicate if owned or leased)
- Location Map of your proposed site
- Applicant’s Personal Resume with 2X2 colored Picture and contact numbers
- Character References with contact numbers (not related to the applicant)
- Bank Certification (with authorization / waiver for credit check)
- Certificate of employment (if applicable)

Forward all of the above requirements to:

ANDOK'S FOOD CORPORATION
ACE Building
No. 25 Bulacan Street, Barangay Bungad
West Avenue, Quezon City, Philippines
Tel: +63 (2) 372-4033 loc 114
Fax: +63 (2) 376-7092
Email: franchise@andokscorp.com

source: www.andokscorp.com
11/07/2014 10:41:00 AM No comments
Save more with Pag-IBIG and qualify for higher loan amounts and bigger dividend earnings. Bigger dividend means bigger savings for you. Consider the following:

Monthly SavingsSavings in 20 YearsTotal Savings with 4%* annual dividends
200.0048,000.0073,015.85
300.0072,000.00109,523.77
400.0096,000.00146,031.70
500.00120,000.00182,539.62
1,000.00240,000.00365,079.24
1,500.00360,000.00547,618.87
2,000.00480,000.00730,158.49

* Dividend rate is only sample rate of 4%. 
Actual dividends will be based on the yearly income of the Fund.

Pag-Ibig FUND Logo

Bigger savings with Pag- IBIG means that your maximum loanable amount is higher.

- The Multi - Purpose Loan (MPL) Program aims to address the member’s immediate financial needs. The loan amount is based on the member-borrower’s total savings and length of membership
with Pag-IBIG.*

- The Calamity Loan Program is open to members whose place of residencehas been placed under a state of calamity after a natural disaster. The loan amount is 80% of the member-borrower’s total savings with Pag-IBIG.*

* While the loan amount of the MPL will not be deducted from the Calamity loan and vice versa,
the combined loan amount under both programs should not exceed 80% of the member’s total savings.

- The Housing Loan Program is a financial assistance for the purchase or construction of a residential unit. The maximum loan amount is P6 million. The member-borrower’s monthly savings with Pag-IBIG, together with his gross monthly income, the appraised value of the property, and his actual need, shall be considered when computing his approved loan value.

Here’s how to increase your monthly savings:

1. For employed members, just inform your HR officer that you want to pay more than the minimum savings of P100 per month. Your HR may require you to sign a form pertaining to the increased monthly savings.
 
2. For individual payors, like professionals, other OFW-members, businessmen, etc., just pay the higher
monthly savings to Pag-IBIG. No need to fill out any form. Your increased savings will automatically be
credited to your total savings.

Where to pay:

1. For employed members who pay their savings to Pag-IBIG through salary deduction, their employers may remit their savings through any of Pag-IBIG’s accredited collecting banks or over-the-counter at the nearest Pag-IBIG branch office.

Employers may remit their employees membership savings at the following accredited collecting agents:
- Union Bank (Pag-IBIG Hub)
- BPI (BPI ExpressLink)
- LANDBANK (wePayAccess)
- BancNet (Pag-IBIG Net)
- Security Bank (Pag-IBIG Real Time Facility) 

Note: Payment through these facilities requires enrollment.

2. Individual payors may pay their savings using the following facilities:
- VISA or MasterCard credit cards https://www.pagibigfundservices.com/ccpayment
- Globe GCash http://www.pagibigfund.gov.ph/home_pdf/announcement/Pag-IBIG%20and%20GCASH.pdf
- Bayad Center outlets http://www.pagibigfund.gov.ph/home_pdf/Bayad%20Center%20Outlet.pdf
- SM Business Centers, Save More and SM Hypermart
- Over-the-counter at the nearest Pag-IBIG branch office.

For more information, call 24/7 hotline number 724-4244 or email publicaffairs@pagibigfund.gov.ph

Source: www.pagibigfund.gov.ph
10/31/2014 10:40:00 AM No comments

Memorandum Circular No. 73, s. 2014

Philippine Seal

Office of the President
of the Philippines
Malacañang

To provide government employees full opportunity to properly observe  01 November 2014, a declared Special Non-Working Day, and to allow employees to travel to their respective provinces, work in government offices on 31 October 2014 is hereby suspended from 12:00 p.m. onwards.

However, those agencies whose functions involve the delivery of basic and health services, preparedness/response to disasters and calamities, and/or the performance of other vital public services shall continue with their operations and render the necessary services.

This Circular shall take effect immediately.

By authority of the President:

(Sgd.) PAQUITO N. OCHOA, JR.
Executive Secretary

source: http://www.gov.ph/2014/10/30/memorandum-circular-no-73-s-2014/ 
10/31/2014 07:33:00 AM No comments
cancer cells

Cancer is one the most common causes of deaths among men. A healthy diet can decrease the risk of developing a certain cancer but other factors especially genes can play a huge role.

Once a cancer spreads and reaches a higher stage, it can be difficult to treat. Healthline.com enumerates 10 of the most common cancer symptoms in men. Knowing these symptoms can help you seek early treatment which gives you a better chance of remission. 

1. Bowel Changes

The occasional bowel problem is normal, but changes in your bowels may indicate either colon or rectal cancer—collectively called colorectal cancers. Colon cancer affects the entire colon, while rectal cancer affects the lower portion that connects to the anus.

Frequent diarrhea and constipation may indicate cancer, particularly if these bowel changes come on suddenly. These problems also may be accompanied by frequent gas and abdominal pain.

2. Rectal Bleeding

Rectal bleeding may be an early sign of rectal cancer. This is especially the case if you experience bleeding from the rectum every time you pass a bowel movement. You may notice blood in your stools.

While this is a cancer symptom, colon cancers are difficult to self-diagnose in the early stages. Regular colon cancer screenings are recommended starting at age 50.

3. Urinary Changes


Incontinence and other urinary changes may develop as you age. However, certain changes can be a sign of prostate cancer. Prostate cancer is most common in men ages 60 and older.

Common urinary signs include:
- leaks and incontinence
- inability to urinate despite urges to go
- delayed urination
- straining during urination

4. Blood in Urine

While prostate cancer doesn’t always cause symptoms in its earliest stages, blood in the urine can be one of them. Blood in urine also may be a sign of a urinary tract infection (UTI) or other prostate problems.

Early prostate cancer can also cause bloody semen.

5. Persistent Back Pain

Back pain is the most common cause of disability, but few men realize that it may be a sign of cancer. Common symptoms of colorectal and prostate cancers may not show until they spread to other parts of the body, such as the back.

Unlike occasional muscle pain, this causes tenderness and discomfort in the bones. Prostate cancer specifically may cause these symptoms within the bones of the hips and lower back.

6. Unusual Coughing

Coughing isn’t exclusive to smokers, or to people with a cold or allergies. A persistent cough is an early sign of lung cancer. If you don’t have any other related symptoms, such as a stuffy nose or fever, the cough probably is not related to a virus or infection.

Coughing accompanied with bloody mucus is associated with lung cancer in men.

7. Testicular Lumps

Testicular cancers in men are less common than cancers of the prostate, lungs, and colon. Still, there are early signs you shouldn’t ignore. Lumps in the testicles are a warning sign that you might have this cancer.

Doctors look for these lumps during wellness checks in elderly men as well as those with a family history of testicular cancer. For earliest detection, consider checking for unusual lumps once a month.

8. Excessive Fatigue

Fatigue can be related to a number of chronic illnesses and medical disorders. Excessive fatigue is your body’s way of telling you that something just isn’t right. As cancer cells grow and reproduce, your body may start to feel run down.

Fatigue is especially prominent in colorectal cancers in men. See a medical professional if you have excessive tiredness that doesn’t go away with a good night’s sleep.

9. Unexplained Weight Loss

It becomes more difficult to maintain your weight as you get older, so you might consider weight loss as a positive thing. But, sudden, unexplained weight loss can indicate a serious health problem, including almost any type of cancer.

If you rapidly drop pounds despite no changes in diet or exercise, discuss this with your doctor.

10. Lumps in the Breast

Breast cancer is not exclusive to women. Men also need to be on guard and check for suspicious lumps in the breast area. This is the earliest detectable symptom of male breast cancer. Call your doctor immediately for testing if you notice a lump.

Genes can play a role in male breast cancer, but it may also be caused by exposure to radiation or high estrogen levels. Breast lumps are most commonly found during your 60s.

Source: healthline.com 
On Guard: 10 Early Symptoms of Cancer in Men by Kristeen Cherney
10/30/2014 04:12:00 PM No comments
By Iste S. Leopoldo | Wednesday, October 29, 2014 | www.sunstar.com.ph

CEBU’s Jan Godfrey “Noynoy” Seno returns to Cebu and eyes joining his last Palarong Pambansa 2015 stint before flying back to the US for good.
 Jan Godfrey D. Seno
Photo Source: Therese Rouelle Ancot Yonson

Seno, 15, of Bogo City, a former tennis varsity player of the University of San Carlos-Basic Education Department (USC-BED), flew to California, US, with his father, Noel, last July after being invited to play in a prestigious sectional tournament in northern California with Macmac Tabo-tabo.

After an impressive finalist finish, several coaches advised him to stay behind because they saw his potential. Seno opted to stay in Colorado with a relative and enrolled at the Sand Creek High School.

With only three weeks in Colorado, he immediately carved a name in the history of tennis in Sand Creek High School after helping his team end the 15-year reign of Cheyenne Mountain High School in the Class 4A Region 6 tournament.

Seno beat Cheyenne Mountain No. 1 player Luca Stanciuco of Romania.

“It was a very memorable experience. During our game, he was very aggressive to win, but when I was already leading with 5-0, he seems to feel weary, probably because of pressure. He was representing the school that has dominated the tournament for 15
years,” said Seno, now stands 5’11 tall.

Seno said he observed that the support from schools in the US is very different compared to the Philippines.

“Schools were very supportive, they provide food, drinks for their players, even set up tents in the venue to show support,” said Seno.

Seno said that in Cebu, particularly, tennis courts are a scarcity. Courts are everywhere in the US, he said.

“In one place, you can find more than 12 tennis courts, but I have observed that only
few are into tennis compared here where there are so many kids who are interested in the sport, but the courts are limited,” said Seno.

Seno enjoyed his stay in Colorado because he was able to play against different athletes who are from different nationalities.

Read full story.
10/29/2014 08:00:00 AM No comments
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