C „ Which came
M
Y first, the chicken
K
New kidney stone
removal procedure
IT is now possible to have kidney
stones removed with a medical proce-
dure that guarantees faster recovery,
lesser pain and cheaper cost at the
newly opened Kagay-an Kidney Cen-
ter in Cagayan de Oro City.
“We have successfully treated
some 20 patients from as far as
Iligan and Pagadian since this ma-
chine arrived and none of them have
complained of any pain or discomfort
during or after the procedure,” said Dr.
Dionisio T. Gaw, president.
Story on Page 10
Issue No. 31, Volume 1
M’danao’s biggest
mall to rise in Oro
By LEN VELASCO, Reporter
T
HE biggest mall in Mindanao is soon to rise in
Cagayan de Oro.
Ayala Land Inc. (ALI) said they will start the
construction of the P4.5 billion Ayala Mall and Busi-
ness Center at the heart of the bustling Cagayan de
Oro’s business district this year.
The new shopping mall,
which will be constructed in
its newly-acquired property at
Claro M. Recto Avenue (front-
ing Gaisano Mall), will be ALI’s
biggest mall in Mindanao, much
bigger than Davao City’s P3 bil-
lion Ayala Mall set to be com-
pleted by 2012.
Cagayan de Oro city mayor
Constantino Jaraula said this
is the biggest investment of
the company on the island of
Mindanao.
“Once completed, this Ayala
Mall, the biggest in Mindanao,
would make the city the major
shopping destination and fur-
ther boost Cagayan de Oro as a
The railway system that will soon traverse the northern part of Min-
danao.
Container Port sees single-digit growth in ‘09
MINDANAO Container Termi-
nal (MCT), one of the newest
facilities in the southern part
of the country, is seeing volume
growth of at least a single digit
for 2009 following the surge of
agricultural products late last
year.
MCT port manager Dante
Clarito said at least 8,000 twenty-
foot equivalent units (TEU) have
been handled for December of
last year alone, mainly coming
from agricultural products.
BusinessWeek on the web: http://www.businessweekmindanao.wordpress.com
or the egg?
Story on page 4
BusinessWeek
JANUARY 11-17, 2010
haven for investment,” Jaraula
said.
Cagayan de Oro is home to
the country’s biggest malls. SM
City has established its P1 bill-
ing mall at the uptown Upper
Balulang; world class Limketkai
shopping complex is continuing
its expansion with more malls,
hotels, and business establish-
ments under construction;
Ororama Mega Store is under-
going renovation after it was
struck by fire last year; among
others.
Aside from more invest-
ment opportunities it may
bring, it will also provide job
See MALL/p.10
“We are expecting to end
2009 handling some 115,000
TEUs, which is 5.5 percent high-
er than the 109,000 TEUs posted
in the entire 2008,” Clarito said
saying the actual figure is set to
be released this month.
MCT is being operated by
International Container Termi-
nal Services Inc., the country’s
largest port operator.
Clarito said they were with-
in target last year after the
continued flow of cargoes from
„ Alsons eyes
partnerships „ Misamis Oriental
turns 80 this year
Story on page 9
Story on page 2
YOUR LOCAL BUSINESS PAPER
e-mail: businessweekmindanao@gmail.com P10.00
Price Watch
Agora Vegetable Landing Area
(Buying Price)
Baguio Beans -- P6/kl
Tomato -- P100/box
Carrots --P20/kl (big)
--P18/kl (med)
--P16/kl (small)
Squash --P3/kl
Bell pepper --P35/k (big)
--P20/kl (small)
Cauliflower --P20/kl
Broccoli --P20/kl
Sweet Peas
(Chicharo) --P10/kl
Potato --P55/kl (big)
Onion --P90/kl
Garlic --P90/kl
Cabbage --P4/kl
Chinese Pechay --P4/kl
RESEARCHER: ARJAY FELICILDA
Briefly
FINANCE
GSIS eco stimulus
THE Government Service Insur-
ance System (GSIS) provided the
country with a much needed eco-
nomic stimulus last year through its
Consolidated Loan (ConsoLoan)
program, a loan window that con-
solidates five different loan pack-
ages into one. Story on page 9
TOURISM
Eco-tourism zone
A LOCAL
firm is in-
vesting
P656 million
for the de-
velopment of
a 12-hectare
masterplanned mixed-use town-
Artist rendition of the proposed P4.5 billion Ayala Mall soon to rise along Claro M. Recto Avenue. ship in Cagayan de Oro City.
The Philippine Economic Zone
ODA eyed for M’nao railway system
Authority (PEZA) has approved
last December 7 the registration
of Paseo del Rio de Cagayan
economic tourism zone which the
company said would become a
THE Regional Development Council for Region Mindanao Regional Development Plan (2004- landmark urban redevelopment
10 has requested the Office of the President to 2010). It is also included in the list of projects for in the city.
change the method of undertaking for the Min- the Mindanao Super Region.
danao Railway System (MRS) of the Department On 25 April 2003, the RDC-10 Executive Com- ENERGY
of Transportation and Communication (DOTC) mittee passed Resolution No. 10 endorsing the
from Build-Operate-Transfer (BOT) to Official conduct of the feasibility study for the Mindanao Bioethanol plant
Development Assistance (ODA). Railway Project and its inclusion in the Northern CONAL Holdings Corp., a sub-
“The Regional Development Council (RDC-10) Mindanao Regional Development Investment sidiary of Alsons Consolidated
recognizes the importance and fully supports the Program and Philippine Medium-Term Public Resources Inc., is currently de-
Cagayan De Oro-Iligan Corridor (CIC) Mindanao Investment Program, said Dir. Leon Dacanay Jr., veloping a 200-megawatt (MW)
coal-fired power plant in Maasim,
Railway System (MRS) Project for the further RDC-X co-chair and NEDA-X regional director. Sarangani.
socio-economic development of Mindanao,” said “The Feasibility Study for the Segment 1 Also in the pipeline are the pro-
Gov. Jurdin Jesus Romualdo, RDC-X chairman. Phase 1 of the MRS Project covering the area posed 100,000 liter-per-day bioeth-
The MRS is an identified priority projects from Cagayan de Oro City to Iligan City was com- anol plant in Cagayan de Oro City
contained in the Northern Mindanao Physical pleted and submitted to NEDA for evaluation in and the 42-MW mini-hydroelectric
Framework Plan (2004-2030) and the Northern project in Siguil, Sarangani.
See RAILWAY/p.10
its major clients, such as Nestle geared to become one of the
Philippines, for the import sec- gateways in the southern part
tor and wood-based products of the country. It has a con-
for the export sector. tainer yard with a capacity of
During the January-Novem- 6,817 TEUs.
ber period, MCT posted a 6.3- Among the products from
percent increase in container- the region include pineapples,
ized cargo to 107,902 TEUs from banana, meat and other per-
last year’s 101,422 TEUs. ishables, and agricultural and
The figure, however, is still marine products.
far from the terminal’s capacity Earlier estimates showed
of 270,000 TEUs. that cargo volume in the Mis-
MCT, located in Tagoloan, amis Oriental and Cagayan de
Misamis Oriental, is being See GROWTH/p.10
2 MisOr Today BusinessWeek MINDANAO
Editor: J. Ruel Villanueva Pelone JANUARY 11-17, 2010

Residents assured of more

health insurance coverage
By URIEL C. QUILINGUING Dr. Gaane said that the PHIO officer of the local legislative
OF THE MISAMIS ORIENTAL PROVINCIAL PRESS OFFICE
which is housed on the ground- body.
floor of the PHO building is Since 2005, the Moreno
MORE than 800,000 residents of Misamis Oriental manned by 22 personnel and administration has been under-
could now avail of vital health and medical ser- 25 coordinators in the 23 mu- taking simultaneous rehabilita-
vices in PhilHealth-accredited hospitals and other nicipalities and two cities of the tion of buildings, upgrading the
province. facilities, and enhancing the
medical facilities after the provincial government She said the PHIO may even- medical personnel services of
increased its sponsored health insurance coverage tually occupy the Rural Bank of seven district/medicare hospi-
to over 173,000 this year. Misamis Oriental building once tals that were renamed Misamis
it is vacated since the RBMO is Oriental Provincial Hospitals
Dr. Ma. Lourdes Gaane, head deaths of card-holders are rou- currently constructing a new last year.
of the newly-created Provin- tinely being done by the PHIO, structure beside the provincial These provincial hospi-
cial Health Insurance Office an office which in the past five tennis court along Juan Luna tals are located in Balingasag,
(PHIO), said this year’s 173,367 years was attached to the Pro- Street. Claveria, Gingoog, Magsaysay,
PhilHealth ID cards that will be vincial Health Office. The creation of the PHIO as Manticao, Naawan, and Tal-
distributed starting on January PHIO records show an up- a separate department of the isayan.
12 this year is 28-percent higher trend of PhilHealth coverage provincial government––the Babiera recalled that during
than last year’s 135,000. from the time Governor Oscar first ever in the country––came the deliberation of Ordinance
“With an average household S. Moreno launched the spon- about after the Provincial Board No. 1161-2009 not one mem-
size of five, we shall have cov- sored health insurance program enacted Ordinance No. 1161- ber of the Provincial Board
ered about 800,000 residents,” in 2005 with 76,381enrolees 2009 in November last year. expressed opposition to the
said Dr. Gaane adding, that her province-wide. “This is in support to Gov- measure, of creating a separate
office has automatically re- The following year, the ernor Moreno’s development department to directly oversee
newed the PhilHealth ID cards number went up to 81,136 agenda, particularly in institu- the province’s health insurance
that were issued last year. and in 2007 the figure hit the tionalizing a provincial health program and in cognizance
She said enumeration of 100,000 mark. care and hospital system,” said of its direct impact in the op-
qualified residents, checking More than 20,000 enrolees Misamis Oriental vice governor eration and maintenance of the Misamis Oriental governor Oscar S. Moreno
on double entries as well as on were added in 2008. Norris C. Babiera, presiding provincial hospitals.

MisOr turns 80
MISAMIS Oriental has just
turned 80 this year.
It was carved out from the
undivided Misamis province
through Legislative Act No.
3537 that the Philippine Legis-
lature approved on November
2, 1929.
The other province was
named Misamis Occidental.
Adoption of the measure how-
ever came 10 years later under
Legislative Act No. 3777.
As they say, the rest was
history. Yet, the vignettes of
Misamis Oriental will hold the Tabo sa Umahan from January 11-15, 2009 at the provincial capitol grounds to mark the 80th Founding An-
the past are being captured in
niversary of Misamis Oriental. Sen. Juan Miguel Zubiri is exprected to grace the opening program on Monday. the ongoing construction of the
Heritage of Misamis Oriental
„ Senate majority floorlead-
er Juan Miguel Zubiri will
be gracing and delivering
the keynote address during
the occasion. This, even as
governor Oscar S. Moreno
will also give his anniversary
message while vice gover-
nor Norris C. Babiera will
do the honors of welcoming
the dignitaries and guests.
Zubiri and Moreno will then
lead the ceremonial slicing
of the “birthday cake” of
Misamis Oriental province,
toasting of the wine, and in
releasing 80 symbolic red-
blue-and-white balloons into

‘Tabo sa umahan’ marks

Monument, under the guidance the air.
MUST-SEE of renown international sculp-
tor Eduardo Castrillo, right at will follow.
the center of the Provincial Senator Juan Miguel Zubiri,

80th Misor anniversary

SOME of the “must-
see” presentations and
competitions that will
be featured on sepa-
rate nights include:
1. Search for Mrs RIC,
Dance Contest (No-
body, Nobody But
You)
2. Modern Dance Con-
test (Hugyaw Sayaw),
3. OPM Contest,
4. Kuracha Dance Con-
test (Sr. Citizens Lev-
el)
5. Doble-Kara Duet
Competition.
DOTC plans to privatize old airports in Bacolod, Oro
THE Department of Trans-
portation and Communica-
tions (DOTC) on Tuesday
announced the govern-
ment’s plan to privatize the
old Bacolod and Cagayan
de Oro airports to avoid
being idled as a result of
the development of the new
Bacolod-Silay and Laguind-
ingan airports.
“In view of the establish-
ment of the new Bacolod-
Capitol ground. This imposing the majority floorleader of the
edifice is expected to be com- Philippine Senate, will be grac-
pleted early next month and its ing and delivering the keynote
unveiling to the public will also address during the occasion.
By ZOROBABEL WABE-RABE OF THE MISAMIS ORIENTAL PROVINCIAL PRESS OFFICE be one of the significant events This, even as Governor Oscar
as the province marks its 80th S. Moreno will also give his an-
THE provincial government of Misamis Oriental depict the diversity of people, race and culture anniversary. niversary message while Vice
will hold anew Tabo sa Umahan 2010, which car- in Misamis Oriental, to be hosted primarily by This year, to highlight this Governor Norris C. Babiera will
ries this year’s theme, “Seguridad sa Pagkaon, the 3 Rural-Based Organizations (RBOs), i.e., RIC historical milestone, the famed do the honors of welcoming the
Hiyas sa Ekonomiyang Malig-on,” on January for Higa-onon Night, the 4H Club for the Muslim Salo-Tabo, an agri-fair which dignitaries and guests.
11-15, 2010 at the provincial capitol grounds, as Night and the P4MP for the Christian/Hispanic has been staged four times in Zubiri and Moreno will
it marks the 80th Founding Anniversary of the Influence Night. a year since 2004 will usher in then lead the ceremonial slicing
Misamis Oriental as a separate province. The 4th Night, entitled as Misamis Oriental the anniversary activities. This of the “birthday cake” of Mis-
A thanksgiving mass will begin at 7 in the Today, depicts the widely accepted culture of time, the first-quarter edition amis Oriental province, toasting
morning on January 11 at the kiosk of the pro- Misamisnons at present, with the participation and just like in the past, it is of the wine, and in releasing 80
vincial capitol grounds, to be followed thereafter of the Provincial Capitol Employees. dubbed as Tabo sa Umahan to symbolic red-blue-and-white
by an opening program, to be highlighted by the Various presentations/competitions will also highlight the province’s agri- balloons into the air.
unveiling of the “Heritage Monument” and the be featured on separate nights such as Search cultural products. Viewing of the exhibits will
then follow, after the ceremo-
simultaneous raising of provincial and municipal for Mrs RIC, Dance Contest (Nobody, Nobody But Festive air are expected
at provincial capitol ground nial ribbon of the Tabo sa Uma-
banners. You), Modern Dance Contest (Hugyaw Sayaw),
The weeklong event will feature the display OPM Contest, Kuracha Dance Contest (Sr. Citizens due to nightly musical and han shall have been cut. Other
of various Agricultural Products, OTOP (One Level) and Doble-Kara Duet Competition. cultural events that would fea- than the display of agricultural
Town One Product) Exhibits, Ornamental Plants, The Culminating Program and Awarding ture the uniquely indigenous produce, semi and processed
Agri-Pasiklaban Contests, PINAKA Contest, Cook- Ceremony will be on January 15, 2010 at 7-10 in beats and tempo, colorful and agricultural products, as well
ing Contest, Poster Making Contest as well as the evening with an encore of OPM and Modern intricately designed costumes as exhibits of agri-support ser-
nightly shows bearing different subtitles, that Dance Winners. and choreographed steps of the vices, the nightly musical and
Higaonons, Maranaos and tra- cultural attractions, there will
ditional Filipino and Spanish- be goodwill basketball games
inspired dances. every afternoon. Also, there
But before anything else, will be contests on banana
Silay and the projected Mendoza said. Likewise, Mendoza Msgr. Rey Monsanto, the parish cake baking, pinakbet cooking,
completion of the Lagu- He said that the privati- assure that the planned priest of the Nazareno Parish, poster-making, among other
indinga, Misamis Oriental zation plan is in line with the privatization will be done will officiate the Holy Eucharis- crowd-drawing events in the
airports, the government is policy of the government to through a public sale tic Mass right at the provincial afternoon.
now planning to privatize recognize the indispensable process in accordance with The launch of the Citizens
capitol kiosk at 7 o’clock in the
the old Bacolod airport locat- role of the private sector as Executive Order 323, an
ed at Bacolod City, Negros the main engine for national issuance governing the morning on Monday, January Charter on Thursday (January
Occidental and the Cagayan growth and development. privatization program of 11. Afterwhich, the opening 14) will also be held at 8 o’clock
de Oro Airport located at Ba- He also said that the the government, and other program of the week-long Tabo in the morning. Closing and
rangay Lumbia, Cagayan de proceeds of the sale could applicable laws, rules and sa Umahan (January 11 to 15) to awarding ceremonies of Tabo
Oro City, Misamis Oriental,” be used to finance other regulations on privatiza- usher in the year-long celebra- sa Umahan is set on Friday
Transportation and Commu- government infrastructure tions of government assets tion of the 80th foundation evening.
nication Secretary Leandro programs. and properties. anniversary of the province URIEL C. QUILINGUING
BusinessWeek
MINDANAO JANUARY 11-17, 2010 3
4 Aggie News BusinessWeek MINDANAO
Editor: Len Velasco JANUARY 11-17, 2010

‘Diversified farming’ needed

to combat pest occurrences
DIVERSIFIED farming could
gain more leverage given shift-
ing weather patterns that lead
to the irregular occurrence of
pests.
“The weather irregularities
have favored some pests,” said
Marcela D. Aggarao, entomolo-
gist of the Peri-urban Vegetable
Project (PUVeP), a system simi-
lar to the community or allot-
ment gardens promoted by civil
society groups in Europe.
“In some instances, pests
EGG-CELLENT AGRI-VENTURE attack ahead of the usual time
in the plant cycle and farmers
are caught unaware. If rain is
It is not advisable to continually
plant a bed with the same crop
because although pests might not
attack one planting season, there
may be soil-embedded larvae that
will attack the succeeding crop.
crops are alternated per bed.
This confuses the insects be-
cause they have different ways
of eating the crops. Most de-
structive insects also do not fly
long distances,” she said.
crops. Once attacked by pests,
you lose everything whereas
with intercropping, even if you
sustain damage, you will not
lose your entire investment,”
she added.
anao in recent days is expected
to hike the costs of chemical-
using producers.
“Unexpected rains will
make chemical applications
useless. Those using this meth-
od will have to add ‘stickers’ to
ensure that the pesticides are
not washed off,” Ms. Aggarao
said.
At the Peri-urban site, how-
ever, crops are grown organi-
cally. Produce is then sold from
P5 to P10 per kilogram lower
than the market price, depend-
ing on the walk-in demand,
she said.

Which came constant, for example, plant

limbs become softer thus more
susceptible to stem borers,” Ms.
Intercropping had previ-
ously been adopted by farmers
in the region but monocropping
The entomolgist said it was
not advisable to continually
plant a bed with the same crop
The PUVeP, a research and
social outreach unit under
Xavier University, facilitates the

first, the chicken

Aggarao said. is still dominant because farm- because although pests might establishment of allotment and
“But in our allotment gar- ers base their crops on market not attack one planting season, container gardens throughout
dens, attacks have been mini- demand. there may be soil-embedded Cagayan de Oro City and Bukid-

or the egg?
mal because we do constant
monitoring. It is also very ad-
vantageous that we use the
intercropping system [where]
But with monocrops, Ms. larvae that will attack the suc- non province with the objective
Aggarao said, the pests are free ceeding crop. of providing accessible food
to strike anywhere. The continuous rain that supply to communities.
“It is also riskier with mono- has fallen on Northern Mind- LOUISE G. DUMAS

THIS age-old dilemma has resulted to countless debates for

centuries, as it continues to baffle scientists, academicians, and
even your community “tambays.”
It is indeed mind-boggling and may even cause people to
scratch their heads, but for Martin Ozaeta, a simple Batangueño
who hails from Lumil, San Jose , it is not important which came
first, as long as it is economically rewarding.
For almost 20 years, Martin Ozaeta of GEMSUN Marketing
has considered chicken eggs as his family’s bread and butter.
Thanks to his in-laws, Mr. and
Success Story Mrs. Rolando Virtusio, who first
ventured into the poultry business,
Martin learned the intricacies of
poultry and egg business up-close and very personal.
Now managing his own business, 42-year old Martin sees
to it that he attends personally to the needs of the farm. These
include taking good care of the chicken, with the help of a
consultant. Through the years he has learned and experienced a
number of factors that pose health risks to the chicken, leading A farmer at the NEDF ensures that the stem cuttings are properly The NEDF has vast and well-nurtured coffee farms that serve as role
to infertility or even death. grown. models for other developing coffee farms.
Martin, who took up Commerce in college, believes that all
business is not without hindrances. He remembers facing dif-
ficult times in running his farm in the beginning. Among them,
he states, is maintaining a steady cash flow.
NEDF: Advancing coffee
research, development in RP
“Hindi naman basta-bastang negosyo ito, ” he quips, add-
ing that this is primarily caused by the tottering supply and
demand.
“Kung December, pag malapit na ang Pasko, yan in-demand

“
ang itlog, pag bakasyon yun ang lean, ” he added.
According to Mang Martin, as far as cash is concerned, he
has a number of lending institutions and government programs
“In the long-term, the NEDF’s goal ment—from the planting to
the harvesting, good soil man-
including those of the Department of Agriculture to thank for. is share its knowledge base with pro- agement and cultivation and
“Malaki ang naitulong ng Department of Agriculture sa amin even to the buying and selling
lalong-lalu na si Secretary Yap. Ito’y dahil nung kinailangan active coffee stakeholders like the DA of their raw materials. Lec-
naming mag-expand, naka-avail kami sa ACEF ng loan,” he said. to develop a sustainable robusta coffee tures range from a few days

“
The ACEF or Agricultural Competitiveness Enhancement to weeks, depending on the
Fund is a special purpose fund created by Republic Act No. industry that supports both the domes- farmers’ allocated time.
8178 or the Agricultural Tariffication Act of 1996, specifically
intended to finance projects and activities to enhance the ag-
tic and export needs of the country.” At present, the train-
ing angles of the NEDF are
riculture and fisheries sectors. It supports and enables farmers focused on developing cof-
and fisherfolk, cooperatives and agribusiness entrepreneurs to
compete in the globalized agriculture market.
Martin has also partnered with the DA via the marketing as-
sistance program Bagsakan Center , thru which he is assured of
a ready market for his produce in Marikina and Quezon City.
T HE Nestle Experimental
and Demonstration Farm
(NEDF) in Tagum City in
Davao province has been at the
forefront of advancing coffee
“The NEDF is at the fore-
front of coffee farm research
and development that not only
seeks to help coffee farms but
play a major in role in the devel-
extension. These three basic
functions are also similar to the
ones in the universities and the
academe.
Training methods
fee agri-enterprises and
promoting farmer entrepre-
neurship.
“We feel that this is the
best way to go and it is the
Martin’s project has indeed come a very long way. research and development in opment of the coffee industry One of the main roles of only way to sustain coffee
GEMSUN today has redesigned its building to an AV-type to the Philippines. in general,” says Arthur Baria, the NEDF is to provide training development in the country-
adapt to the changing environment and climate. An automatic Since its inception in 1994, Nestle Agricultural Services to the coffee farmers on the side,” says Baria.
drinking apparatus is also being utilized for easier management. the NEDF has become the pre- Head. latest coffee farming tech- The two main training
Modern equipment such as generators, egg-grading machines, miere facility in coffee farm Aside from being the most nologies and methods that the methods being implement-
and sprayers are being used as well to ensure the safe and high development and production advanced coffee development center has developed. ed in the NEDF at present:
quality production of eggs. And through the years, martin’s and also trains coffee farmers facility in the country, the NEDF The NEDF’s facilities in- End-to-End Training Con-
company has acquired a fleet of transport vehicles: seven closed on the latest coffee farming has had a lot of firsts in differ- clude spacious lecture centers, cept (which highlights cof-
vans, two refrigerated vans, two trucks for live hogs, and an methods and technologies that ent levels. numerous plant nurseries, fee development methods
L-300 van. are geared toward sustainability For instance, it takes pride prototype coffee production from seed to bean, from
Today, the poultry farm that stands on a two-hectare lot and self-sufficiency. in hosting the only robusta cof- facilities, and demonstration bean to brew, and from pro-
along Recto Avenue in San Jose , Batangas, has continued to pro- The training and technolo- fee germplasm in the country farms, among others where duction to processing and
vide financial stability to the Ozaeta family, as well as to some 55 gy being developed at the NEDF and the biggest robusta mother farmers learn about the lat- marketing, and the entre-
neighbors who work as farm laborers. It boasts of a daily harvest also forms a large and very plant garden in the Nestle, if est and most effective coffee preneurship) and Training
of close to 58,000 eggs, which are packed and delivered to sev- important part of leading coffee not the whole world. world. The planting methods. It also the Trainor (which trains
eral supermarkets in South Luzon and Metro Manila. brand NESCAFE’s quest for the mother plant garden can poten- provides has lodging quarters technicians from local gov-
It has also diversified into a livestock farm managed by best raw materials for use in the tially produce 3 million coffee that serve as the trainees’ ernment units and para-
Martin’s better-half, Pilamar. The farm raises dozens of swine, production of NESCAFÉ coffee. seedlings a year––enough to “homes” while they are un- technicians from NGOs and
and gives sustained livelihood and incomes to Lumil residents That is why Nestle provided the plant 3,000 hectares a year. dergoing training. other partners who will
through its Paiwi or grow-out program. site with the equipment and It is also the only private At the lecture centers, then train local farmers
Now, the town of San Jose is recognized as the “Egg Basket of facilities needed for classroom sector coffee based research well-trained agronomists in- in far-flung municipalities
Luzon”, thanks to the efforts of poultry raisers and egg dealers instruction and practical appli- and development facility in the form attendees about ev- and barangays which can-
like Martin…a truly excellent achievement for an egg-cellent cation of the knowledge given Philippines that has functions erything they need to know not be reached by Nestle
enterprise. to trainees for research, instruction, and about coffee crop manage- agronomists).
BusinessWeek
MINDANAO
JANUARY 11-17, 2010 5
 6 JANUARY 11-17, 2010 Opinion BusinessWeek MINDANAO

The sweat of success

THINK a minute.
Former Prime Minister of
England, Winston Churchill, be-
came so famous for his speeches
that he’s been called the great-
est speaker of the century. He
was also famous for his quick
wit.
Yet amazingly, he was not
a naturally talented speaker. In
fact, earlier in Churchill’s life he
had such a bad speech problem
that people made fun of the way
he talked.
Do you know how Churchill
changed to become the greatest
speaker of the 20th century? He
studied and wrote his speeches
word-for-word on paper, and
then he practiced them count-
less hours in front of a mirror.
He worked at saying each word
just the right way with just the
right facial expressions.
He also practiced pausing
and pretending to struggle
to find the right word, even
though he knew exactly what
he was going to say! So although
Winston Churchill was not a
naturally good speaker, he disci-
plined himself and worked hard Think A Minute
to become a great one!
You and I can never succeed
in life without discipline and
hard work.
It takes sweat to succeed in
our job and career, in school,
in sports, in our marriage and
family.
Even if you’re born into a
rich family, or with an intel-
ligent mind and strong body,
you still have to work hard to
reach your full potential and
truly succeed.
Most importantly, it takes JHAN TIAFAU
work and discipline to develop
the character we were born to
HURST
have and enjoy. it costs us.
We must discipline and But you can start by asking
change our wrong attitudes, Jesus Christ to forgive you for
thinking, and way of living living your own way; and then
everyday. ask Him to take full charge of
It’s not natural or easy for your heart and character.
us to quickly forgive someone It’s only with Jesus’ charac-
who hurts us or our family. It’s ter and power in you that you
not natural or easy to always be can start changing to become
honest no matter how much we the best person you can be.
can get away with or how much Just Think a Minute.

New year, So many Ms. Philippines in USA

new challenges
IT is been roughly a week since the start
of the Year of the Metal Tiger, so far it’s
been busy for me.
As I write this column I am on my
way to the outskirts of Bukidnon to
shoot a documentary film about a tribe
and its cultural dance rituals, commis-
sioned by the Liceo U Researched and
Planning Office, headed by Dr. Genaro
Japos.
I am quite excited on this project,
not only will this give me a chance to
clear my head from the buzz of the
city lifestyle but tinker on my skills in
filmmaking.
My team will comprise of two of
my best buddies, Ronald and Lawrence.
The three of us are looking forward to
this project and give it our best shot.
I know this is going to be a busy
month ahead of me and I am really
preparing myself for this challenge.
„ It turn-out, though, that they promote THE STRIKER
the same objective and the love of friendship
COOKIES & and culture are there no matter how high
COOFFEE the hatred exist. The heat of friendship and
pride of the individual cover quarrels thus to
the eyes of many white people, Filipinos
are just so friendly with one another. They
do not know some of them want
to fight with bolos and grenade already.
(Last of three parts) History books, book in poetry
One beautiful aspect in the by famous authors, compositions
holding of beauty queens and in music by noted composers are BEN EMATA JR.
coronation celebration that fol- on display too. They had paint- San Jose City, CA, USA
low is that Pilipino folk dances ings too of national artists and all
in the olden days are enliven and these are sold.
exhibited to the delight of numer- It is the joy of camaraderie,
SHAUN ous nationalities from European friendship and patriotism that They are proud of themselves
ALEJANDRAE countries, Asian, Africans, Latin drive these people into what they and their race and they carry
YAP UY Americans and everybody who are doing here. It makes them their culture in their schools or
comes along. proud as Filipinos and proud of anywhere to go to.

“
On the 12th it’s going to be Valen-
cia City for me, I am invited by a good
friend of mine, Marven Selecios from
the city government, to witness the
festivities during their charter day
celebration.
I shall share my experiences there
on my next column.
Cinemagis 2 Digital Short Film
Festival is also brewing its way this
January. Cinemagis 2 will feature films
So there they come alive and
The recent political kicking the immortal, the Phil-
turmoil has placed ippine’s very own: colorful and
lively Tinikling, the Pandanggo sa
us in a rather un- Ilaw, the Ang Maya dance, Abaru-
flattering scenario, ray, Leron-leron Sinta, Mutya sa
too many choices, Pasig and many other that were
destined long time ago in the
yet unclear. Always archives of oblivion.
remember that our Another thing is in fiesta
choices affect and events, dozens of booths display
their history and cultural past.
Identity under the sun is what
makes them desire to do things
worthy to be proud of. So, every
town fiesta that they usually cel-
ebrate back home is the time for
selecting title of Ms. Philippines.
In so doing, we display the
dignity of Filipino womanhood,
their generally fine attitude. And
they celebrate it with church
But excessive politicking and
personal feuds sometimes disturb
some Filipino organizations. It
seems jealousy or the spirit of
‘crab system’ is at work even on
this common affairs. They fight
with each other, backbite and pro-
mote bickering that in some cases
result in break-up of organiza-
tions.
But the more they break-up,

done by students and seniors from all
over Northern Mindanao.
The film selections will be featured
at the SM City Cagayan Cinemas 1 and
2, January 18-20, 2010.
For more information on Cinemagis
2, please visit the XCCA Office at the
3rd Flr. of the Museo de Oro, Xavier
University, this city.
May is just a stone-throw away.
Elections are well on its way. Our youth
will be faced now with a difficult task
of voting, and needless to say––it’s a
tough one, too close to call.
The recent political turmoil has
placed us in a rather unflattering sce-
nario, too many choices, yet unclear.
Always remember that our choices
affect and shape our future.
This is the message of my film en-
“
shape our future.
try to Cinemagis, “Pili-ay”. I shall give
you a spoiler on my film––“Pili-ay”
attempts to visualize the thoughts of
our young individuals faced with the
difficult task of voting, especially the
first-time voters.
Also, “Pili-ay” is a story about a
journalist who tries to expose a cor-
rupt system, thereby putting himself
in harm’s way.
More updates on the latest happen-
ings here in the city on the next issue.
LIVE LIFE, ROCK ON! Unleash the TIGER
in YOU this year!
------------------
For comments, email: shaun_ale-
jandrae_uy@yahoo.com
any marketable item direct from
the Philippines, like the famous
pearls from Sulu, jewelry from
Cebu, handicraft from Mindanao,
Visayas ang Luzon, caricatures,
paintings of great Filipinos, musi-
cal instruments, songs in CDs and
DVDs, Filipino movies in videos
and Filipino dishes.
Other nationalities are ex-
posed to Adobo, Karikari, Lina-
gang Manok, Sitao, Patao, Patani,
Kinilaw, Balut, Itlog Maalat, doz-
ens of pastries and even halo-halo
and so many others.
Filipino community newspa-
pers and magazines, as well as
television programs via satellite
find their way in the celebration
site.
activities complete with Filipino
bands, colorful attires, songs and
dances Filipino style that truly
entertain all races that watch
them act.
Overall effect of the grand fi-
esta celebration is that American-
born Filipinos are exposed to such
activities.
They participate actively and
they are the young boys and girls
involved in the folk dances. And
yet they have not even gone to
the country yet ever.
They embrace our ways of life
so early and associate with their
‘kababayans’ from other regions.
They already know how to speak
the Filipino language and like to
eat all kinds of Filipino foods.
the better as new organizations
are formed and more promotion
of culture and geography ensued.
So, now-a-days, you can see so
many Filipino organizations in
California and other states, each
one does not see eye-to-eye with
the other.
It turn-out, though, that they
promote the same objective and
the love of friendship and culture
are there no matter how high the
hatred exist. The heat of friend-
ship and pride of the individual
cover quarrels thus to the eyes of
many white people, Filipinos are
just so friendly with one another.
They do not know some of
them want to fight with bolos and
grenade already.

BusinessWeek
DANTE M. SUDARIA ROSE MARY D. SUDARIA Tele/Fax No.: (088)856-7703,
Publisher/Editor Manager (08822) 72-02-33,
(088) 855-1475 , 587-1390
RUEL PELONE BONG FABE and
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The BusinessWeek Mindanao is published by BusinessWeek Editorial Consultants
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BusinessWeek
Kudos to BSP and the banking system
A GOOD Year for the Bangko
Sentral ng Pilipinas and the
banking system.
All in all, the Bangko Sentral
ng Pilipinas did well in 2009.
And so did the domestic bank-
ing system.
Once again, the Bangko
Sentral ng Pilipinas delivered
on its principal mandate of
maintaining price stability de-
spite the twin challenges posed
by increasing oil prices and
commodity supply constraints
caused by Typhoons Ondoy nd
Pepeng.
Because of a benign infla-
tion, the BSP could afford to
peg its policy rates at an all
time low.
This has translated into
lower pass-on interest rates
charged by banks to their cli-
ents. Lower inflation also helped
maintain the purchasing power
of the ordinary Filipino.
Also because of low infla-
tion, the Bangko Sentral could
Views/Commentaries
MINDANAO
afford to provide liquidity en-
hancement mechanisms, thus
providing the necessary envi-
ronment for banks to increase
lending activities. Indeed, com-
mercial loans expanded during
the year albeit at a moderate
pace.
The external sector provid-
ed another source of stability.
Supported by record remittance
flows from overseas Filipinos
and receipts from the Business
Process Outsourcing sector, the
country posted a balance of
payment surplus in excess of
US $ 3.3 billion.
This in turn has resulted
in a record build up of Gross
International Reserves––more
than enough to pay for nine
months of imports and more
than enough to cover our short
term maturing foreign obliga-
tions.
For its part, the Philippine
banking system weathered well
the global financial storm.
According to BSP Gover-
nor Amando M Tetangco, Jr.,
“Important banking reforms,
particularly in the areas of
corporate governance, risk
management, and asset clean-
up, have strengthened the
banking system further, boost-
ing its overall performance in
terms of higher asset growth,
enhanced asset quality, im-
proved profitability and better
capitalization.”
The banking system’s capi-
tal adequacy ratios (CARs), a
prime indicator of financial
health, showed improvements
both on a solo and consolidated
basis.
The Bangko Sentral ng
Pilipinas requires a minimum
CAR of 10 percent while the
Basel II Accord prescribes a
minimum CAR of 8 percent.
Owing to significant buildups
in qualifying capital as well as
issuances of tier capital notes,
most banks easily hurdled the
Speaking Out
IGNACIO BUNYE
capital requirements. As of
the second quarter, CAR on a
consolidated basis hit 15.68 per
cent while CAR on a solo basis
hit 14.81.
2009 saw the BSP continu-
ing to be active in launching
and conducting various ad-
vocacies . Examples of these
are the Credit Surety Fund,
Economic and Financial Learn-
JANUARY 11-17, 2010
ing Centers in Luzon, Visayas
and Mindanao, Tulong Barya
para sa Eskuwela, Public info
campaign and OFW financial
literacy campaign.
The Philippines also gained
global recognition for leader-
ship in microfinance and mobile
banking.
Praises for the Bangko Sen-
tral’s model regulatory ap-
proach in microfinance and
mobile banking came from
such prestigious groups as the
London-based publication, The
Economist, The Financial Times,
the World Bank’s Consultative
Group to Assist the Poor and
the newly formed G20 Financial
Inclusion Experts Group.
A significant milestone also
occurred in the legal front. The
Supreme Court affirmed in the
Legacy rural bank cases the au-
7
thority of the Monetary Board
to determine the insolvency of
banks and to place them under
receivership.
The ruling effectively re-
stricted undue interference
by the courts in the Monetary
Board’s exercise of its regula-
tory and supervisory powers
over banks.
Last year saw the produc-
tion and roll out by the BSP of e-
passports. This enabled compli-
ance by the Philippines with the
international deadline of 2010.
For the opportune implementa-
tion of the e-passport project,
President Arroyo conferred BSP
Governor Amando M. Tetangco,
Jr. the Order of Sikatuna (Rank
of Datu).
For comments and sugges-
tions, email: totingbunye2000@
gmail.com.

IT is not a secret that Filipinos
by and large have not only an
innovative drive in doing things
but also a creative spirit in redo-
ing themselves – their outputs
included. And this some kind of
an in-born trait extends from
the ingenious way they have
in living their admittedly dif-
ficult day-to-day lives, to the
surprising and even delightful
way they continuously reinvent
their products. Let it be noted
that such inventive and fanciful
disposition is more often than
not, endowed with a certain
fun, not to mention their being
naughty as well.
A case in point is that on
the occasion of the last 2010
New Year’s eve, this report
came about in whispers and
confidence: There were new
firecrackers on sale for the
brave and courageous, for the
intrepid and defiant. But, these
firecrackers of recent vintage
were not found with their usual
public displays.
It was even said that they
Novel firecrackers
were sold in whispers, and
purchased with a commitment
to some kind of secrecy. Never
mind the price whereas what
was more important was the
profound glee they brought
about for the big “bang” they
gave.
The carefully absconded
and surreptitiously sold “new”
firecrackers were definitely not
without their proper inherent
connotations. It was said that
their respective brand names
were enough to say that those
who buy the unique firecrack-
ers should not fool around
with them – with the earnest
instruction that there must
be an “all clear” signal before
any of them were lighted and
thereby exploded.
The novel firecrackers were
said to be three in kind here-
after mentioned according to
their reported ascending order
of loud unique “bang” – with
their also ascending price tags:
First, “BIN LADEN”. Second,
“AMPATUAN”. Third “GOOD-
Viewpoints
ARCHBISHOP
OSCAR V. CRUZ
BYE GLORIA”.
This is not to say that such
opted nomenclature or brand
names are fair or otherwise,
disrespected or otherwise. They
all have certain common im-
plications: One, they all say
something rather critical and
fatal even. Two, they all imply
something specially discredited
and deplorable. Three, they all
forward something rare as ex-
traordinary awful in being and
unacceptable in standing.
There seems to be no record
how many of the said firecrack-
ers were sold/bought, how
much they were enjoyed by
those who fired them as well as
those who saw and heard them
explode. But with such append-
ed names to those firecrackers,
it is hard to imagine the awe
and apprehension they made,
and the commotion and impres-
sion they cause when fired. And
understandably so!

Shrink-wrap agreements:
Are they valid contracts?
A PERSON who purchases a
cellphone, portable dvd player,
a coffee maker, or toy finds
warranty cards and other writ-
ten contract terms inside the
box. If the product is contained
in a cellophane-wrapped box,
sealed, with tamper-proof
packaging, these terms are
available for review only after
the product has been bought
and then opened, in a usually
different and distant location
from the place where the sale
was made.
The same is true when soft-
ware or hardware peripheral of
a computer is purchased. The li-
censing agreements, commonly
known as End-User Licensing
Agreements or EULAs, are read
only during the installation of
the software in the computer or
before use of the same, and not
before the software or hardware
is actually purchased.
Finally, there are those
transactions which are com-
pleted in the Internet, which
usually include downloading
software or entering a site, for
a fee or sometimes for free. The
assent of the user to the terms
Your legal map
to business
ATTY. KRISANTO
KARLO NICOLAS
and conditions required by
the proprietor of the website,
prior to the entering the site or
downloading, is made by click-
ing either an “Ok” or “Yes” or “I
accept” key. In most instances,
the terms and conditions are
not seen in the same page, but
viewable in another web page.
These are called shrinkwrap
agreements. Shrinkwrap agree-
ments are terms and condi-
tions of use that accompany
products, and are available for
review only after the product
has been opened or once the
product’s seal has been broken.
They also accompany software
purchased in a similar packag-
ing. The term is taken from the
method of packaging products
in cellophane-wrapped boxes.
While the terms and condi-
tions are contained inside the
box along with the product,
the outside of the box usually
contains a notice stating “The
product is subject to license
terms available for review in-
side.” The shrinkwrap agree-
ment are customarily read
something like, “By opening
this envelope, you are bound
by the terms and conditions of
this license” or “Upon breaking
this seal, you are bound by the
terms and conditions included
with the product.”
Under the law, these are
actually contracts. They in fact
bind the contracting parties,
especially the purchaser whose
consent was procured,
See NICOLAS/p.10
8 Entertainment
Weekly Horoscope
ARIES. Dare to dream big! Love, fame and
fortune can all be yours! However, you will
need to take responsibility, of everything,
including what you say and do. Trying to
achieve everything on the agenda will be
challenging, but not impossible.
Lucky Numbers: 1 11 12 5 42 8
TAURUS. Expect the unexpected! A
special delivery of good news heads
your way. There’s real potential to move
forward with your career, but try to keep
emotions out of your decisions. With
money, be careful of indulging in a reck-
less spending spree.
Lucky Numbers: 8 7 16 5 4 31
GEMINI. The love bug can bite, but be
careful of accepting someone’s unac-
ceptable behavior. If something doesn’t
seem right, it probably isn’t – look closer
and ask more questions. You may get
a red hot money tip, but do your own
research first.
Lucky Numbers: 9 12 14 1 3 8
CANCER. Anything is possible this year!
Making definite goals points your jour-
ney in the right direction. Something or
someone new in your life is not necessar-
ily bad, just different. With love, beware
of twisting the truth, instead, be honest
and upfront.
Lucky Numbers: 40 32 21 5 6 7
LEO. The New Year has started, and busi-
ness is booming. Buckle down and you
can make your destiny come true. The key
to surviving what promises to be a busy
year is to be organized and systematic.
Get ready to attend to your wellbeing.
Lucky Numbers: 37 32 34 21 6 11
VIRGO. To win someone’s heart, be
sincere with words and actions. Business
takes over your day–planner; make sure
you are organized and ready to rock
and roll when opportunities present
themselves. Be careful of stretching your
dollars too far.
Lucky Numbers: 9 21 29 27 25 28
LIBRA. Your career abilities can be put
into action this year, but be clear about
what you want. Don’t get depressed if life
presents a delay – the key to success is to
stay upbeat and positive. Revitalize your
home for happy family moments.
Lucky Numbers: 17 35 39 41 40 3
SCORPIO. To attract love, be armed and
fabulous with self–confidence. Don’t
entertain any thoughts of uncertainty.
Work moves in the right direction, but
keep your goals within the realms of real-
ity. Beware of letting a stressful moment
take a hold.
Lucky Numbers: 5 18 13 19 20 30
SAGITTARIUS. The New Year brings a new
start. It’s possible to make changes this
year, but weigh up the pros and cons first.
Accepting a new offer could be a conflict
of interest. Mixing money with love can
cause chaos, keep finances separate.
Lucky Numbers: 8 16 4 32 33 42
CAPRICORN. Planet madness sends your
emotions on a roller coaster ride. When
in love, keep your feet firmly on the
ground, and your head out of the clouds.
With money, be clear and concise about
what you want; don’t leave anything to
chance.
Lucky Numbers: 7 13 40 39 28 1
AQUARIUS. This is a year of good fortune!
Thank your lucky stars, as life is about to
move into the success lane. Be crystal–
clear about what you want to achieve,
and it’s all–possible. With love, beware
of having a double standard, equality
works best.
Lucky Numbers: 9 8 5 4 31 33
PISCES. Venus can make love and friend-
ship a reality, with heartfelt feelings rising
to the surface. A secret rendezvous can
lead to something special. This year, be
strict about who you mix company with,
allow only those with positive attitudes
to enter your life.
Lucky Numbers: 8 19 13 11 10 1
Odd vs. even
FOREMOST, I would like to thank the
publisher of BusinessWeek Mindanao,
Mr. Dante Sudaria, for allowing me to
share with you my analysis on the 9
p.m. Suertres Lottery draw.
This “Isang text ka lang” column
doesn’t intend to be right or precise in
predicting the Suertres result for the
9 p.m. draw. What we have here are
probable numbers. As in “basin diay.”
Most of those regular bettors or
Suertres are basing their numbers
combination on the so-called “com-
pute system” but my good friend and
former Editor in chief of Cebu Gold
Star Daily, Mr. Nelson Constantino,
strongly opposed.
Well, I tried to argue but it is
useless. Why? Whew, daanin na lang
natin sa “Isang text at wala na, as in
“sanggi.”
I mean, If I would argue, its useless
because my friend is not use to betting
on the three-digit game.
The 3-digit Suertres draw of the
Philippine Charity Sweepstakes Office
(PCSO) is indeed really hard to win.
Bettors have a very slim chances of
winning thus a bettor is lucky enough
to win one exact numbers combina-
tion one or thrice a week.
Suertres or the 3-digit 2 p.m., 5
p.m., and 9 p.m. lottery draws are
combinations of numbers from 1 to
0 or, 0 to 1.
It is composed of odd and even
numbers. If we talk about even num-
bers, I am referring to 2, 4, 6, 8, and 0
and the odd’s 1, 3, 5, 7, and 9.
The January 2 9-p.m. result was
4-9-2 or a combination of even-odd-
even digit.
It was a combination taken from
the 2, 4, 6, 8, 0 even numbers combi-
nation that when paired will give us a
pairing: 2-4, 2-6, 2-8, 2-0, 4-6, 4-8, 4-0,
6-8, 6-0, and 8-0.
The odd numbers pairing for 1, 3,
5, 7, 9 are 1-3, 1-5, 1-7, 1-9, 3-5, 3-7, 3-9,
5-7, 5-9, and 7-9.
You have now the 10 ultimate pair-
ing for any Suertres draws be it the 2
p.m., 5, p.m., and 9 p.m. draws.
Of course, I did not include here
the double digits: 1-1, 2-2, 3-3, 4-4,
5-5, 6-6, 7-7, 8-8, 9-9, and 0-0 as these
double digits pairs rarely comes out.
The January 3 result was a combi-
nation of odd-even-even. The result
was 3-2-4.
The January 4 result was 2-7-1 or
an even-odd-odd numbers combina-
tion. The January 5 result was 3-2-5
and followed by an odd-even-odd
number combinations of January 6
which is 7-2-3.
The January 7 result was 7-5-5 and
BusinessWeek MINDANAO
JANUARY 11-17, 2010
CROSSWORD PUZZLE
Word hunt
Isang text ka lang
By TAXMAN
the January 8 result was 9-4-8.
If you observed, the result were
indeed composed of odd and even
digits or vice versa.
So, what now? Well, if you want to
win in Suertres, you have to base your
numbers on the 1,3,5,7,9 and 2,4,6,8,0
pairing schemes.
How? Let me cite as an example
the January 2 result which is 4-9-2.
Now if you have the pairing 2-4
your option would be to get the
numbers 6,8,0,1,3,5,7,9 so that your
numbers would be 2-4-6, 2-4-8, 2-4-0,
2-4-1 and so on.
But as I said winning in the Suer-
tres or the 3-digit lottery draw is hard
without basis. And that we need to
have one exact number combinations
out of the 1,000 numbers combina-
tion.
This week, the numbers that will
be possibly drawn randomly are the
numbers combination that will be
1-8-6-0.
Well, they’re good numbers to mix
with the even numbers 2,4,6,8,0.
Pairing to watch
SUDUKO
How to play the game?
2-4, 2-7, and 4-7 Fill in completely every rows, columns, and diagonals of each puzzle
without repitition of the same digit.
Keep these numbers
2-7-8, and 4-7-8
Next week, I will deal more on
these odd and even schemes. I will go
into the details as I know most of you
are still confused on how to get these
odd and even schemes work.
Also in the next issue, I will tell you
those digits that frequently drawn in
the 3-digit Suertres draw,
In the meantime, just relax be-
cause gambling will do you no good
but misfortune of you let yourself
addicted to it.
Suertres even if it is legal are stil
gambling.
And please to not attempt to send
me any message asking for numbers
even if the title of this column is
“ISANG TEXT KA LANG!”
Just read it here. Of course, the
BusinessWeek Mindanao.
DONT FORGET THE PASAKAY HA!
6-0
BusinessWeek
Alsons eyes partnerships
ALSONS Consolidated
Resources Inc. (ACR) said
it is open to partnerships
with other mining firms
or may opt to list its unit
in the Philippine Stock
Exchange next year to
be able to grab oppor-
tunities in the mining
sector.
Tomas Alcantara, ACR
chairman, said the holding
firm would expand its mining
operations through its wholly
owned subsidiary, ACR Mining
Corp. (ACRMC), which owns 75
percent of Manat Exploration
Joint Venture. The remaining
25 percent of Manat Explora-
tion is held by Southern Ex-
ploration Corp., an affiliate of
Australia’s Indophil Resources
NL.
The joint venture is now
completing the exploration
of the parent firm’s mining
claims in Compostela Valley
and Davao del Norte.
“Various options are being
considered in the operation of
the mines post-exploration,
including the expansion of
the coverage and a tie-up with
other mining outfits with long
GSIS ConsoLoan proceeds
MINDANAO
and proven track records on
extractive operations,” the
ACR executive said.
“[A] second alternative
being considered is the listing
of ACRMC by introduction,
after obtaining shareholders’
approval and the requisite
clearances from the regula-
tory bodies,” he said.
He added that the com-
pany is bullish on mining
prospects as “the discovered
deposits have since almost
doubled in value since the last
independent valuation, due
Corp.board
to the increase in the price
of gold.”
ACR would continue to
invest in Mindanao despite
the peace and order problems
in the area since it has been
operating on the island for
more than half a century.
“We are aware of the recent
problems that have recently
received wide attention, but
we are confident that these
crises will pass and Mindanao
will continue to surge for-
ward,” Alcantara said.
The holding firm has en-
JANUARY 11-17, 2010 9
ergy and power subsidiaries—
the main contributors to ACR’s
total revenues—that operate Dedicated to the late
power generation plants in ROWJOE SERAFIN FELICILDA,
Southern Mindanao. who died of COLON CANCER
Conal Holdings Corp., a on July 2, 2005 at the
subsidiary of ACR, is currently very young age of 30 years.
developing a 200-megawatt
(MW) coal-fired power plant
in Maasim, Sarangani.
“The bids by invited con-
Slash Your Cancer Risk
tractors to build the facility
have already been submitted
in Minutes a Day (7 of 13)
and a bid award is expected
before the end of the first
Little lifestyle changes can lower your odds
quarter of 2010,” he said. of hearing the dreaded diagnosis. Slip them
He added that the new into your routine and sleep better tonight.
plant would address the prob- By Aviva Patz
able power shortage that could Content provided by:
hit Southern Mindanao by as
early as 2011 and the projected
increase in demand for the
next decade. More women may soon benefit from Gar-
Also in the pipeline are the dasil, a vaccine that protects against the two
proposed 100,000 liter-per-day
bioethanol plant in Cagayan strains of human papillomavirus that cause
de Oro City and the 42-MW 70 percent of cervical cancer cases. The FDA
mini-hydroelectric project in decided in March to give priority review to
Siguil, Sarangani. the potential use of the vaccine, currently
Next year, ACR’s earnings
may rise by more than half and approved for women ages 9 to 26, for women
is on track of hitting its target ages 27 to 45.
net income of P158 million, 57
percent higher than last year’s “Older women have likely already been
earnings.
BEN ARNOLD O. DE VERA
exposed to several HPV strains, but the vac-
cine could protect against other strains they
haven’t yet come in contact with,” explains
availed in 2008.
The GSIS had earlier de-
clared a one-year moratorium
Debbie Saslow, Ph.D., director of breast
and gynecological cancers for the ACS. (Re-

reach P43.98-billion in ‘09

THE Government Service Insur-
ance System (GSIS) provided the
country with a much needed
economic stimulus last year
through its Consolidated Loan
(ConsoLoan) program, a loan
window that consolidates five
different loan packages into
one.
Figures showed that the
state-run pension fund dis-
bursed P43.98-billion in Con-
soLoan proceeds in 2009, a
growth of 26.74 percent from
P34.70 billion disbursed for the
entire 2008.
The ConsoLoan program
provides GSIS members with an
alternative source of funds at a
time of a credit crunch.
“We understand the strin-
gent requirements that banks
have put up on loan applica-
tions to protect their invest-
ments. We also understand
that many turn to loan sharks
in times of financial distress.
Through our ConsoLoan, we
are able to help GSIS members
get financial assistance eas-
ily and at flexible terms,” GSIS
President and General Manager
Winston F. Garcia said.
The ConsoLoan is a con-
solidation of the Salary Loan,
Restructured Salary Loan, En-
hanced Salary Loan, Emergency
Loan Assistance, and Summer
One-Month Salary Loan thus,
making them easier to manage.
The outstanding penalties or
surcharges incurred from these
five loans are also waived when
availing of this loan.
Furthermore, the Con-
soLoan, which has a repay-
ment period of up to six years,
gives members higher loan-
able amount. Members who
passed all requirements and
have at least 20 months of
creditable service can avail of a
loan equivalent to three months
of their monthly salary subject
to the premium-based policy
of the GSIS.
For members who have
been in government service
for at least 10 years, they can
avail of a ConsoLoan equivalent
to 10 months of their monthly
salary.
To qualify for the Conso-
Loan, the applicant should
be an active member with no
pending administrative case.
Active members are defined
as members who are still in
the service and have paid and
remitted at least three monthly
premium contributions for both
Personal Share and Government
Share within the last six months
prior to the application of the
GSIS ConsoLoan.
Judges and justices appear-
ing as such in the GSIS database
are also qualified to avail of the
ConsoLoan.
However, employees of sus-
pended agencies will not be
qualified to avail of this loan
facility.
Members with a GSIS eCard
Plus can apply for the Con-
soLoan via the GSIS Wireless
Automated Processing System
or G-W@PS kiosk or over the
counter in their servicing GSIS
offices.
There were a total of 384,728
GSIS members who availed and
benefited last year from the
ConsoLoan program, compared
to 342,765 GSIS members who
program for members badly
hit by typhoons “Ondoy” and
“Pepeng” covering their Con-
soLoan and Housing Loan ac-
counts. This is to enable the
calamity victims to attend to
more pressing financial needs
like food, clothing, relocation
and/or repair of shelter.
The one-year moratorium
program covers only the amor-
tizations within the period of
October 2009 up to September
2010. All ConsoLoan and Hous-
ing Loan accounts not declared
in default as of Sept. 30, 2009
are eligible to be applied for
this program.
Borrowers with arrears
shall be allowed to avail of
the moratorium. However, the
moratorium period shall be lim-
ited to the difference between
12 months and the number of
months in arrears.
searched and Emailed by Fe Felicilda-Chisley,
Maryland, USA) director of the Center for
Environmental Oncology at the Uni¬versity
of Pittsburgh Cancer Institute. (Researched
and emailed by Fe Felicilda-Chisley, Mary-
land, USA.
ROWJOE SERAFIN FELICILDA
MEMORIAL CANCER INFORMATION PROJECT
Cagayan de Oro City, Philippines
Text Line : +63909-6555396
E-mail : jdelpf@yahoo.com and
jFelicildq@gmail.com
Blog Spots : Kalubihan de Oro.ning.com,
JOEFEL Cagayan de Oro City.ning.com &
popdevpressnorrmin.ning.com
“The best way to heal
is to help others.”

Metrobank’s 2010 Search

for Outstanding Teachers
THE Regional Development Council (RDC-10) highly supports the
country’s prestigious “Search for Outstanding Teachers for 2010” of
the Metrobank Foundation.
The said Search is in partnership with the Department of Educa-
tion (DepEd) and the Commission on Higher Education (CHED) and
is now on its 26th year of recognizing teachers who manifest profound
commitment to the development of the youth through exemplary com-
petence, remarkable dedication to their work and effective educational
leadership.
The RDC-10 enjoins the participation of all levels of education in the
region. This is to sustain the performance of Northern Mindanao (Region
10) as a consistent top producing region outside of NCR with 20 Search
Awardees or 7.25% of the national total as of the 2008 report.
Copies of the guidelines on the Search and the nomination form
can be secured from the National Economic Development and Authority
(NEDA-10) office located at RDC-10 Bldg., Capistrano-Echem Street
Cagayan de Oro City. Please note that the deadline of submission of
nominations to the nearest Metrobank Branch is on February 15.
10 JANUARY 11-17, 2010
Lower cost, less pain and faster recovery
with new kidney stone removal procedure
IT is now possible to have kidney
stones removed with a medical pro-
cedure that guarantees faster recov-
ery, lesser pain and cheaper cost at
the newly opened Kagay-an Kidney
Center in Cagayan de Oro City.
“We have successfully treated
some 20 patients from as far as
Iligan and Pagadian since this ma-
chine arrived and none of them have
complained of any pain or discomfort
during or after the procedure,” said
Dr. Dionisio T. Gaw, president.
Until 20 years ago, Gaw said
open surgery was necessary to re-
move a stone and often required a
recovery time of 4 to 6 weeks.
“Kidney stones one centimeter
or smaller are best treated with
oral medications,” said Dr. Harry G.
Longno, vice president. “However,
those bigger in size up to 2.5 cm.
when treated with Extracorporeal
Shock Wave Lithotripsy (ESWL)
enjoy a success rate of over 90
per cent.”
With the Kagay-an Kidney
Mall
from page 1
for thousands of jobless resi-
dents of the city and neighbor-
ing provinces, Jaraula said.
The city government has
already given the company a go
signal to start the construction
phase of the project even as their
papers are yet to be completed.
In 2006, Ayala Land Inc. also
launched Alegria Hills, the 53
hectare high end residential
subdivision that lies 240 meters
above sea level and approxi-
mately eight kilometers from
the city proper. It is the first
phase of a master planned 200
Railway
from page 1
2004,” Dacanay said. “The
FS was prepared by Thaipicon
and Industry Company Lim-
ited of Thailand.”
During the 1st August
2006 Cabinet Meeting Presi-
dent Gloria Arroyo instruct-
ed the DOTC to include the
Cagayan de Oro City-Iligan
City Railroad Project in her
SONA listed projects as a BOT
project.
Later, however, DOTC
Undersecretary Guiling A.
Mamondiong advised NEDA-
10 that the FS for the Cagayan
Growth
from page 1
Oro area is expected to in-
crease by some 150,000 metric
tons, or 4.5 percent, annually
from 2007 through 2010.
Conventional cargo is ex-
pected to increase by some
50,000 metric tons and contain-
erized cargo by some 120,000
TEUs annually.
MCT has a 300-meter berth
space, with depth of 13 meters,
CNN HERO OF THE YEAR VISITS ORO. Cagayan de Oro mayor Tinnex Jaraula welcomes Efren Peñaflorida, the
“2009 CNN Hero of the Year,” who started a “pushcart classroom” to bring education to poor children as an alternative to
gang membership, during a courtesy call on January 8. The street educator is in Cagayan de Oro City to speak before
delegates in a youth forum.
Center’s third-generation, state-
of-the-art Dornier Compact Sigma
lithotripter, Longno said patients
undergoing ESWL can go home im-
mediately after their sedation wears
off with no need for even a short stay
in the hospital, thereby considerably
cutting total treatment costs.
“The stone is easily located us-
ing a safe combination of low dose x-
ray and ultrasound,” said Dr. Gregorio
Cordovez. “Once the stone is located,
we can start treatment. This will take
approximately one hour after which
the patient will rest for a short period
before returning home.”
In many cases, ESWL can be
conducted on an outpatient basis.
Recovery time is relatively short,
and most people can resume normal
activities in a few days, Cordovez
added.
Compared to open surgery,
ESWL using the Dornier Compact
Sigma lithotripter costs up to 60%
less and does not require hospital-
ization, resulting in much lower costs
hectare property that straddles
Brgys. Indahag, Macasandig and
Camaman-an.
The project is a joint under-
taking of ALI and joint develop-
ment partners Manny Boniao
and Ricardo Murillo. Started
by the Boniao couple as a land
banking project in 1993, they
were joined by Mr. Murillo 20
years ago when he also became
convinced of the development
potential of the property.
Mr. Boniao cited the city gov-
ernment’s South Diversion Road
and Emmanuel Pelaez bridge as
concrete evidence of the city
government’s all-out support
for the project.
de Oro City-Iligan City Rail-
road Project shall be revised
due to consideration in the
alignment to avoid substan-
tial tunneling to reduce its
project cost.
On 30 September 2009,
NEDA-10 received from NEDA-
Public Investment Staff (PIS)
the Mindanao Railway System
Feasibility Study Report for
the Cagayan de Oro-Iligan
Corridor (CIC) covering the
municipalities from Linamon,
Lanao del Nodte to Jasaan,
Misamis Oriental.
The project cost is about
US$1,328.032 Million or
PhP66.402 Billion (at US$1
and can handle two container
vessels at the same time. MCT
has two gantry cranes and four
rubber-tired gantries.
Last year MCT handled
109,438 containers, more than
half of which were handled by
ICTSI, when it took over the
operations.
In March 2008 ICTSI bested
the bids of Asian Terminals Inc.
and Harbour Centre Port Termi-
nals Inc., both of which operate
its flagship facility in the Port of
PHOTO COURTESY OF CITY INFORMATION OFFICE
BusinessWeek MINDANAO
compared to an invasive, surgical
procedure.
Officially inaugurated December
17 by the Center, the new generation
lithotripter is made by Germany’s
Dornier company which pioneered
the procedure in 198. It has now
installed over 1,000 lithotripters and
successfully treated over 5,000,000
patients worldwide.
Dr. Arturo F. Surdilla, assistant
administrator and board member,
said the Kagay-an Kidney Center
has applied for Philhealth accredi-
tation and is now talking to major
health care companies to bring down
the cost of treatment even further.
Interested parties can contact
the Kagay-an Kidney Center through
tel. nos. (88) 857-8855, mobile
0917-545-0480, by email through
kagayankidneycenter@yahoo.com
or visit them at their clinic at the
ground floor of the CDT-KAI Building,
Archbishop Santiago Hayes St., Pini-
kitan (facing Maria Reyna Hospital)
Cagayan de Oro City.
“Although this initiative was
already in the drawing boards of
previous administrations, it was
former Mayor Vicente Emano
who actually implemented it SUPPORTERS of Cagayan de Oro City first district Rep. Rolando “Klarex” Uy show their full support to
as a strong show of support for the lawmaker during the latter’s filing of Certificate of Candidacy for City Mayor.
investors,” Mr. Boniao said. PHOTO BY ROLANDO SUDARIA
Jaraula said that Ayala’s
move indicates the company’s
confidence in the city’s vibrant
Nicolas part of the bargain, they are
generally not binding under
ic equipment or software.
The best consumer is always
from page 7 contract law. Being new terms an informed consumer. If, upon
economy.
albeit irregularly. But are or additional agreements, they reading the shrinkwrap agree-
Other ALI high-end residen-
they valid under Philippine require new and unambiguous ment, you feel that the item
tial projects include Ayala Ala-
contract law? consent by the purchaser and you are purchasing is laden
bang, Dasmarinas Village, Forbes
There are foreign cases the consent previously given with impossible or burdensome
Park Makati, Ayala Westgrove
which treat these agreements cannot be deemed to extend conditions, then that should be
Heights, Ayala Greenfield Es-
with skepticism. They hold to these new terms, conditions a red flag for your not to make
tates, Amara, Ayala North Point,
that since the parties form and stipulations. the purchase.
The Residences at Greenbelt,
the contract at the time of Whether these agreements (Atty. Krisanto Karlo Nicolas
One Serendra and Anvaya Cove.
the purchase, the terms con- are valid or not in the Philip- is a founding partner of Nicolas &
tained “inside the box” are not pines will be finally deter- De Vega Law Offices located at Unit
=PhP50) and shall be sourced
from ODA loans from Saudi binding for lack of consent. mined only by a Supreme Court 101 One Primrose Place 663 Boni
Arabia and China and the These additional conditions ruling, hopefully in the near Avenue, Mandaluyong City, Metro
equity to be provided by the and terms which the parties future. However, since these Manila. He practices corporate law,
Philippine Government. left out during the formation agreements are becoming very franchise law, intellectual property
To resolve further confu- of the primary contract and common today, the most that a law and litigation. He graduated
sion arising from its mode of which are contained in the person can do is be wary of its from the Ateneo de Manila School of
implementation, the the RDC- shrinkwrap agreement are terms and if possible, read them Law with honors. You may contact
10 Infrastructure Committee void. Because they are not before purchasing the electron- him at knicolas@ndvlaw.com.)
agreed during its 29 October
BusinessWeek
2009 meeting to request the
approval of the Office of the
President through RDC-X to
undertake the Cagayan de Oro-
Iligan Corridor (CIC) Mindanao
Railway Project through Of-
ficial Development Assistance
(ODA) instead of Build-Oper-
ate-Transfer (BOT) scheme. Your local business paper
Manila, for the 25-year conces-
sion of MCT.
The 24-hectare MCT is
about 20 kilometers away from BusinessWeek Mindanao is a weekly newspaper
Cagayan de Oro City, where
another terminal owned by of general circulation in Northern Mindanao
Philippine Ports Authority is
also in operation.
Phividec, the Philippine
Veterans Investment Develop-
NOW ACCEPTS
ment Corp., was operating the
port before ICTSI after two LEGAL NOTICES
failed biddings during the past
years. Such as:
EXTRA-JUDICIAL NOTICES
DEED OF SALE
INVITATION TO BID
NOTICE OF PUBLICATION
(Local Civil Registrar)
TAX DELINQUENCY NOTICES
REAL PROPERTY TAX NOTICES
ORDINANCE NOTICES
NOTICE OF LOSS
and other forms of legal notices
Visit us at FICCO Bldg., Lapasan, Hi-way,Cagayan
de Oro City, near Bank of the Philippine Islands,
Lapasan Branch.
Tel. Nos. 856-7703, 855-1475, 72-02-33
PLDT mobile: 587-1390,Bayan: 309-1805
Cell Nos. 0917-712-1424, 0923-432-0687
BusinessWeek MINDANAO
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120 square meters Tel. No. 858-7930 / 858-7929

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with Gas (LPG) under the trade name “Pryce- Corrales Extn, CDO
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Vamenta Boulevard, Carmen CDO, Tel. No. 729039/858-4247/
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For inquiries, please contact us at: - Surigao del Norte and Sur
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G/F, FICCO Bldg, Lapasan Hi-way - Zamboanga del Sur
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MASS-SPECC Pension
Tel. Nos: (088) 587-1390 For interested entrepreneurs, please Tiano Sts. ,CDO, Tel. No. 856-2340 / 728145
(088) 856-7703 visit or call our Sales office at:
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(088) 855-1475, Purok 2-A, Gusa Highway Your local business paper
Toribio Chavez Sts.,CDO
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0917-7121424 and look for: Eligio “Poljons” Poliran, Lirio St. Carmen,CDO
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Tel No. 858-8943, 857-1592

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tel. No. 856-1990, 856-2004, 856-4447
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Cagayan - Cebu : Mon/Wed/Fri @ 8:00PM Miami INN
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Jagna - Nasipit : Sunday @ 5:00PM Tel No. 858-1901, 72-52-79
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12 JANUARY 11-17, 2010 News BusinessWeek MINDANAO

Enterprise of generations marks 25 years

TWENTY-five years ago on
December, a store of single pro-
prietorship was born, awfully
occupying a very small rented
space of 32 square meters.
Too small a place for 100
bags of assorted fertilizers and
a few bottles of agricultural
chemicals that the owners, An-
tonio B. Bayagna Jr. of Valencia
City and the former Graciosa
Porticos of Bohol, could just
afford by then.
Out of sheer luck, guts and
lots of hard work coupled with
strong determination, the busi-
ness zoomed up enabling the
owners to acquire the rented
property, on which a warehouse
was later erected.
Fortune for the Bayagnas
did not stop right there as
along the way, a network of
dealers have been established
in Cagayan de Oro City, as well
as in the provinces of Misamis
Oriental, Bukidnon and Lanao
del Norte.
That time, they were al-
ready gaining the trust and
confidence of the country’s
major suppliers that granted
them with credit terms, which
they––in turn––religiously met.
Such business partners, include
the Syngenta Philippines, In-
corporated; BACPHIL; Bayer
Crop Science; Jardine Distribu-
tion, Inc.; PHAT; ICTC; and Lead
Corporation, among others.
Eventually, the firm became
a family corporation, with the
Bayagna siblings themselves,
namely March Ann Suzette, who
is married to Dennis Anthony
Malbasias; AG Donna Cristita,
married to Keith Alan Gioscio;
and Marc Grant Bayagna, being
the major stockholders.
The business enterprise that
we are talking about is the De
Oro Maramag Agricultural Sup-
ply, Incorporated (DOMAS).
As it marked its 25th year
of service to the farming com-
munity on (date), DOMAS con-
tinues to live by its corporate
mission: “A going and growing Mr. Antonio B. Bayagna Jr. (seating left), proprietor of De Oro Maramag Agricultural Sup-
corporation for the present and ply, Inc., pose for posterity with his family and staff during the firm’s 25th anniversary Last
the next generations.” December at the main store in Lapasan, Cagayan de Oro City.

Mr. Jet Parma of Pioneer Hi-bred Seed Technologies, Inc. draws the
first prize winner in the “Pahalipay sa Mag-uuma” raffle promo highlight-
ing the 25h anniversary of De Oro Maramag Agricultural Supply, Inc.
earlier at the main store in Lapasan, Cagayan de Oro City. The raffle
draw was supervised by DTI Representative Paz Lepallos (back to
camera). The one unit Multicab was won by Ms. Nerissa C. Baculado
of Kulambog, Lapasan in Cagayan de Oro City.

Top 10 consumer
electronic gadgets
YOU may already eagerly antic-
ipate the launch or release to
retail market for one or more
of these consumer electronic
gadgets, or even own one or
a lot of them in your digital
household.
However, if you think
you’re the unique individual
or unique pioneer who are
the only one own the lovely
gadgets, think again.
According to Topology
Research Institute located in
Taiwan, one of the world’s
electronics manufacturing
base, the following list of top
10 technology products will
have either high, extremely
high or exponentially growth
rate in year 2007 and beyond,
till at least 2010.
TOP 10 UPCOMING
MUST HAVE GADGETS
1.Apple iPhone – Not even
yet released (expected in com-
ing June 2007), but the hotly
anticipated music-playing cell
phone has already generated
enough buzz and interest for
its advanced and revolution-
ary software and touch-screen
panel. And due to the fact
that no pre-order or waiting
list is allowed by the iPhone
exclusive carrier AT&T (Cin-
gular), expect a long multi-
days/nights queue and crazy
bidding war on eBay. Apple
iPhone is expected to grow
more than explosive 50% in
coming years.
2.Electronic Photo Frame
– Google gave away one to its
Google AdWords and AdSense
customers as Christmas gift
for 2006 season. But expect
more and more owning this
device that able to display
digital pictures as the price of
electronic photo album falls
in price, and slowly become
favorite gadget as gift in holi-
day season. Expect sales peak
during Christmas season and
as iPhone, experiences expo-
nential growth rate of more
than 50% each year.
3.Apple TV – Apple TV
(styled tv is a media extender
network device that play digi-
tal content originating from
any Mac OS X or Windows
computer running iTunes
onto an enhanced-definition
or high-definition widescreen
television.
4.LEB NB – Notebook com-
puter that using LED back-
lighting. LED backlight unit
(BLU) is more environmentally
friendly, light, energy saving
and other advantages such
as more natural colors repro-
duction.
5.Portable Navigation De-
vice (PND) or more commonly
known as GPS global positiing
and navigation system – This
alone is expected to ship
more than 17 millions units
worldwide, and is expected to
grown in term of unit sold and
revenue for about 30% to 50%
in coming years.
6.Electronic Paper, also
called E-Paper or Electronic
Ink – It is a display technology
that mimic the appearance of
regular ink on paper. However,
its contents or text is erasable
and been changed or replaced
with new text of images,
making it an environmentally
friendlier than an actual paper,
although less flexible.
7.Satellite Radio or Sub-
scription Radio (SR). You can
receive digital radio signal
over much wider geographi-
cal area with the signal that is
been broadcasting by a com-
munications satellite.
8.Sony PlayStation 3 (PS3)
– Even with slower start and
lukewarm response so far,
nobody dare to write it off.
However, expert the sales
volume to increase at a lower
growth rate of between 10%
to 30%.
9.Nintendo Wii – The mo-
tion detection gaming con-
sole is popular now, and will
continue to be popular in the
coming years.
10.Electronic Toys or Ro-
botic Toys – Typical of them
is Furby (used to be a ‘must-
have’) and Pleo, which can
interact with human and even
has some sort of intelligent
learning capabilities.
Unfamiliar with the list?
All the usual suspect such as
digital camera, DVD player,
MP3 Player or Digital Media
Player and LCD TV are now
mature commodity with low
sales growth rate, where most
already been sold more than
50 million units, some even
more than 100 million units
worldwide.
The top 10 future gadgets
list was established based on
recognition of consumers to-
wards the products, price, the
need of market and etc.
WWW . MYDIGITALLIFE . INFO