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| MERRY CHRISTMAS AND PROSPEROUS NEW YEAR TO ALL! from: Alex Rutagines and KJFC Officers |
Dec 29, 2011
SPECIAL GREETINGS to All CBA Members!
Presidential Award
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| CONGRATULATIONS ......................IBANG - IBA KA TALAGA KAMUK HA MO SI jb!!!! |
Where to invest P100,000?
Okay, let’s say you have a hundred grand to spare. You have no financial obligations like credit card debt or immediate financial needs like travel. Where do you invest P100,000? Here are some options:
Special savings deposits. You can place the money in a special savings account that earns a much higher interest than a regular savings account.
Special savings deposits. You can place the money in a special savings account that earns a much higher interest than a regular savings account.
Time deposits. “P100,000 can be invested in a variety of ways. If you can’t tolerate any risk and would like your money to be near cash, or very liquid, stick with time deposits,” says J. Randell Tiongson, a Registered Financial Planner (RFP).
T-bills. If you want relative safety, place your money in short-term government securities like Treasury bills (T-bills).RTBs. You can also invest in longer-term government securities like Fixed Rate Treasury Notes (FXTNs). Alternately, you can invest in Retail Treasury Bonds (RTBs), which require much smaller amounts.
UITFs. Unit Investment Trust Funds (UITFs) are pooled funds that trust departments of commercial banks invest in various securities.
Mutual funds. Similar to UITFs but more regulated, mutual funds pool money from thousands of investors. There are different types depending on your investment objectives. Randell explains, “Mutual funds and UITFs may be good options as they show good capital appreciation especially if you hold on to them for a long time.”
Stocks. You can buy shares of publicly-listed stocks and ride the current bull run. “There’s always the stock market if you can take the risk,” says Randell, adding, “Another option is an equity-based mutual fund or UITF that can take care of managing the stock investments for you.”
Foreign currency. You can exchange your P100,000 into foreign currency like the euro. Banks and forex brokers let you do this.
Insurance plans. Whole life insurance plans have a savings component. A variation is the variable (also called unit-linked) insurance plan, which gives you greater control on how your premiums are invested.
Endowment plans. These are insurance products that don’t provide lifetime coverage. They are often positioned as investment products because the emphasis is on the returns. Randell says, “You can also opt to purchase a single pay life insurance with an investment portion or an endowment. You can grow your money and get some insurance coverage while waiting.”
Pension plans. You can buy a pre-need pension plan, that is, if you’re undeterred by the negative news on certain pre-need companies.
Read more: http://www.sulit.com.ph/index.php/view+topic/id/80428/Where+to+invest+P100%2C000%3F
Dec 26, 2011
LTFRB reminds PUV drivers on fare discounts for students
Sa mga Parents na nag papaaral pa sa ngayon.......
As the new school year began, the Land Transportation Franchising and Regulatory Board (LTFRB) reminded public utility vehicle drivers and operators to grant students a 20-percent fare discount, or face fines, and franchise suspensions.
LTFRB board member Manuel Iway also encouraged students to report drivers who refuse to give them the fare discount, radio dzBB's Allan Gatus reported.
Iway said drivers and operators of PUVs such as jeeps and buses face a fine of P2,000 for the first offense, and a fine of P3,000 for the second offense.
He said the second offense also carries with it a suspension of franchise for up to 60 days.
A third offense will warrant a fine of P5,000 and the cancellation of franchise.
Iway said students who are denied a fare discount can call the LTFRB through its text hotline at 0921-4487777, and landline at 9257191. - VVP, GMA News
LTFRB board member Manuel Iway also encouraged students to report drivers who refuse to give them the fare discount, radio dzBB's Allan Gatus reported.
Iway said drivers and operators of PUVs such as jeeps and buses face a fine of P2,000 for the first offense, and a fine of P3,000 for the second offense.
He said the second offense also carries with it a suspension of franchise for up to 60 days.
A third offense will warrant a fine of P5,000 and the cancellation of franchise.
Iway said students who are denied a fare discount can call the LTFRB through its text hotline at 0921-4487777, and landline at 9257191. - VVP, GMA News
Dec 24, 2011
Dec 22, 2011
Japan Travel
Health and Wellness
The Leader
Young and Adult Sexual Reprouctive Health
Organic Farming
Japan Travel Slideshow: Alex’s trip from Quezon City, National Capital Region, Philippines to Tokyo, Japan was created by TripAdvisor. See another Tokyo slideshow. Create your own stunning free slideshow from your travel photos.
Dec 21, 2011
LABOR ADVOCACY GROUP: DAILY MINIMUM WAGE RATES
LABOR ADVOCACY GROUP: DAILY MINIMUM WAGE RATES: DAILY MINIMUM WAGE RATES National Capital Region (NCR) a/ Per Wage Order No. NCR-16 b/ Effective 26 May 2011 Sector/Industry Basic Wag...
Dec 20, 2011
House approves bill strengthening socialized housing projects
Writer: Jazmin S. Camero, MRS-PRIB
The House of Representatives has passed on third reading a bill requiring the participation of owners and developers of condominium projects in the government's socialized housing program.
House Bill 5446, to be known as "An Act Strengthening the Balanced Housing Development Program," seeks to amend Republic Act 7279, which provides for a comprehensive and continuing Urban Development and Housing Program.
A Malacañang-certified measure, the bill will tap owners and developers of condominiums in the country to participate in the construction of socialized housing.
"To accelerate the government's socialized housing program nationwide, the bill is eliciting the participation of condominium owners and developers," said Rep. Rodolfo Valencia (1st District, Oriental Mindoro), one of the authors of the bill.
"We have included the development of education facilities within the projects or within cities or municipalities as a mode of compliance with the balanced housing requirements, among others," Valencia said, Chairman of the House Committee on Housing and Urban Development.
Under the measure, developers can engage in a joint-venture project with another private developer, both of whom shall be solitarily liable in the production of the socialized housing in compliance with the balanced housing requirement, regardless of the provisions of their joint-venture agreement.
The bill includes condominium projects whose owners or developers shall be required to develop an area for socialized housing equivalent to at least 20% of the total condominium area or condominium cost.
The bill imposes a prison term of six years and a fine of not more than P10 million on violators.
The co-authors of the bill are Reps. Bernadette Herrera-Dy (Party List, Bagong Henerasyon), Marcelino Teodoro (1st District, Marikina City), Lani Mercado-Revilla(2nd District, Cavite), Walden Bello (Party List, Akbayan), Kaka Bag-ao (Party List, Akbayan) and Carmelo Lazatin (1st District, Pampanga), Winston Castelo (2nd District, Quezon City), Catalina Leonen-Pizarro (Party List, ABS), Irvin Alcala(2nd District, Quezon), Sigfrido Tinga(2nd District, Taguig City), Angelo Palmones (Party List, AGHAM), Arnel Ty(Party List, LPGMA), Isidro Lico (Party List, Ating Koop), Emerenciana De Jesus (Party List, Gabriela), Mel Senen Sarmiento(1st District, Western Samar) and Jeci Lapus (3rd District, Tarlac).
Source: http://www.congress.gov.ph/press/details.php?pressid=5729
LABOR ADVOCACY GROUP: House approves bill strengthening socialized housi...
LABOR ADVOCACY GROUP: House approves bill strengthening socialized housi...: 14 December 2011 10:38:36 AM Writer: Jazmin S. Camero, MRS-PRIB The House of Representatives has passed on third reading a bill requiring...
14 December 2011 10:38:36 AM
Writer: Jazmin S. Camero, MRS-PRIB
The House of Representatives has passed on third reading a bill requiring the participation of owners and developers of condominium projects in the government's socialized housing program.
House Bill 5446, to be known as "An Act Strengthening the Balanced Housing Development Program," seeks to amend Republic Act 7279, which provides for a comprehensive and continuing Urban Development and Housing Program.
A Malacañang-certified measure, the bill will tap owners and developers of condominiums in the country to participate in the construction of socialized housing.
"To accelerate the government's socialized housing program nationwide, the bill is eliciting the participation of condominium owners and developers," said Rep. Rodolfo Valencia (1st District, Oriental Mindoro), one of the authors of the bill.
"We have included the development of education facilities within the projects or within cities or municipalities as a mode of compliance with the balanced housing requirements, among others," Valencia said, Chairman of the House Committee on Housing and Urban Development.
Under the measure, developers can engage in a joint-venture project with another private developer, both of whom shall be solitarily liable in the production of the socialized housing in compliance with the balanced housing requirement, regardless of the provisions of their joint-venture agreement.
The bill includes condominium projects whose owners or developers shall be required to develop an area for socialized housing equivalent to at least 20% of the total condominium area or condominium cost.
The bill imposes a prison term of six years and a fine of not more than P10 million on violators.
The co-authors of the bill are Reps. Bernadette Herrera-Dy (Party List, Bagong Henerasyon), Marcelino Teodoro (1st District, Marikina City), Lani Mercado-Revilla(2nd District, Cavite), Walden Bello (Party List, Akbayan), Kaka Bag-ao (Party List, Akbayan) and Carmelo Lazatin (1st District, Pampanga), Winston Castelo (2nd District, Quezon City), Catalina Leonen-Pizarro (Party List, ABS), Irvin Alcala(2nd District, Quezon), Sigfrido Tinga(2nd District, Taguig City), Angelo Palmones (Party List, AGHAM), Arnel Ty(Party List, LPGMA), Isidro Lico (Party List, Ating Koop), Emerenciana De Jesus (Party List, Gabriela), Mel Senen Sarmiento(1st District, Western Samar) and Jeci Lapus (3rd District, Tarlac).
Source: http://www.congress.gov.ph/press/details.php?pressid=5729
House approves bill strengthening socialized housing projects
Writer: Jazmin S. Camero, MRS-PRIB
The House of Representatives has passed on third reading a bill requiring the participation of owners and developers of condominium projects in the government's socialized housing program.
House Bill 5446, to be known as "An Act Strengthening the Balanced Housing Development Program," seeks to amend Republic Act 7279, which provides for a comprehensive and continuing Urban Development and Housing Program.
A Malacañang-certified measure, the bill will tap owners and developers of condominiums in the country to participate in the construction of socialized housing.
"To accelerate the government's socialized housing program nationwide, the bill is eliciting the participation of condominium owners and developers," said Rep. Rodolfo Valencia (1st District, Oriental Mindoro), one of the authors of the bill.
"We have included the development of education facilities within the projects or within cities or municipalities as a mode of compliance with the balanced housing requirements, among others," Valencia said, Chairman of the House Committee on Housing and Urban Development.
Under the measure, developers can engage in a joint-venture project with another private developer, both of whom shall be solitarily liable in the production of the socialized housing in compliance with the balanced housing requirement, regardless of the provisions of their joint-venture agreement.
The bill includes condominium projects whose owners or developers shall be required to develop an area for socialized housing equivalent to at least 20% of the total condominium area or condominium cost.
The bill imposes a prison term of six years and a fine of not more than P10 million on violators.
The co-authors of the bill are Reps. Bernadette Herrera-Dy (Party List, Bagong Henerasyon), Marcelino Teodoro (1st District, Marikina City), Lani Mercado-Revilla(2nd District, Cavite), Walden Bello (Party List, Akbayan), Kaka Bag-ao (Party List, Akbayan) and Carmelo Lazatin (1st District, Pampanga), Winston Castelo (2nd District, Quezon City), Catalina Leonen-Pizarro (Party List, ABS), Irvin Alcala(2nd District, Quezon), Sigfrido Tinga(2nd District, Taguig City), Angelo Palmones (Party List, AGHAM), Arnel Ty(Party List, LPGMA), Isidro Lico (Party List, Ating Koop), Emerenciana De Jesus (Party List, Gabriela), Mel Senen Sarmiento(1st District, Western Samar) and Jeci Lapus (3rd District, Tarlac).
Source: http://www.congress.gov.ph/press/details.php?pressid=5729
Young and Adult Sexual Reproductive Health: HIV/AIDS and Sexually Transmitted Infections
Young and Adult Sexual Reproductive Health: HIV/AIDS and Sexually Transmitted Infections: HIV, AIDS, and Sexually Transmitted Infections: Publications and resources – EngenderHealth Strategic Considerations for Strengthening the ...
Dec 19, 2011
Dec 17, 2011
FORECLOSED PROPERTIES FOR SALE: Reminder: PNB Santa Rosa foreclosed properties auc...
FORECLOSED PROPERTIES FOR SALE: Reminder: PNB Santa Rosa foreclosed properties auc...: Reminder: PNB Santa Rosa foreclosed properties auction on September 30, 2011 by Jay Castillo on September 29, 2011 · 0 comments in Bank Foreclosed Property
See and Contact:
Alex V. Rutagines
TUCP and PGEA Compound Corner Masaya and Maharlika sts.
Barangay Old Capitol Site, Quezon City, 1101
Tel.No.(632)9299916 and (632)9941334
Mobile No.+639175631926 & +639393989400
Email: alevars@yahoo.com
See and Contact:
Alex V. Rutagines
TUCP and PGEA Compound Corner Masaya and Maharlika sts.
Barangay Old Capitol Site, Quezon City, 1101
Tel.No.(632)9299916 and (632)9941334
Mobile No.+639175631926 & +639393989400
Email: alevars@yahoo.com
Dec 15, 2011
Pulse: Filipinos most critical of Corona’s performance
Pulse: Filipinos most critical of Corona’s performance
December 13, 2011
MANILA, Philippines – Filipinos are most critical of the performance of Chief Justice Renato Corona among the top officials in government, the latest Pulse Asia Survey showed.
The survey was released a day after the House of Representatives impeached Corona, with 188 votes, allegedly due to betrayal of public trust, culpable violation of the Constitution and graft and corruption.
The survey was done between November 10 and 23, however, taking note only of the high court’s issuance of a halt order on the travel restraint of former President Gloria Macapagal Arroyo and subsequent incidents. Corona is being criticized for allegedly being partial to Arroyo.
Corona got an approval rating of 38% and disapproval rating of 24%, the most pronounced compared to the other four top government officials.
Vice President Jejomar Binay continued to enjoy the highest approval rating of 83% and disapproval rating of 4%.
President Benigno Aquino, on the other hand, got an approval rating of 72% and a disapproval rating of 9%.
Senate President Juan Ponce Enrile, meanwhile, got an approval rating of 60% and a disapproval rating of 11%.
Speaker Feliciano Belmonte Jr. got a 45% approval rating and 16% disapproval rating.
Pulse Asia, however, noted that the overall performance ratings of the government officials do not differ significantly from the last survey in August. The survey has an error margin of +/- 3 percentage points.
Trustworthiness
Trust is also most manifest towards Binay, who got an 83% rating. He registered a distrust rating of only 3%.
Corona, on the other hand, obtained the lowest trust rating of 29% and the highest distrust rating of 27%.
Despite this, 52% approve of the performance of the Supreme Court as a whole. Only 19% disapprove.
On Sunday, Supreme Court spokesman Jose Midas Marquez said political forces are out to destabilize the high court by “[fomenting] public distrust and resentment towards [it],” In exchange for
“ruthless political objectives,” some quarters are doing it even at the risk of sacrificing the country’s constitutional stability, he said.
He also claimed to have received reports that lawmakers may amend its own rules in order to hasten the impeachment process against Corona by “going straight to the plenary, and thereafter transmitting the articles of impeachment immediately to the Senate.”
He explained section 2, rule II of the Rules of Procedure in Impeachment Proceedings does not allow this.
The rule dictates thus: “Impeachment shall be initiated by the filing and subsequent referral to the Committee on Justice of: (a) a verified complaint for impeachment filed by any Member of the House of Representatives; or (b) a verified complaint filed by any citizen upon a resolution of endorsement by any Member thereof; or (c) a verified complaint or resolution of impeachment filed by at least one-third (1/3) of all Members of the House.” –
Source: Ira Pedrasa, abs-cbnNEWS.com Trade Union Congress of the Philippines - Home
December 13, 2011
MANILA, Philippines – Filipinos are most critical of the performance of Chief Justice Renato Corona among the top officials in government, the latest Pulse Asia Survey showed.
The survey was released a day after the House of Representatives impeached Corona, with 188 votes, allegedly due to betrayal of public trust, culpable violation of the Constitution and graft and corruption.
The survey was done between November 10 and 23, however, taking note only of the high court’s issuance of a halt order on the travel restraint of former President Gloria Macapagal Arroyo and subsequent incidents. Corona is being criticized for allegedly being partial to Arroyo.
Corona got an approval rating of 38% and disapproval rating of 24%, the most pronounced compared to the other four top government officials.
Vice President Jejomar Binay continued to enjoy the highest approval rating of 83% and disapproval rating of 4%.
President Benigno Aquino, on the other hand, got an approval rating of 72% and a disapproval rating of 9%.
Senate President Juan Ponce Enrile, meanwhile, got an approval rating of 60% and a disapproval rating of 11%.
Speaker Feliciano Belmonte Jr. got a 45% approval rating and 16% disapproval rating.
Pulse Asia, however, noted that the overall performance ratings of the government officials do not differ significantly from the last survey in August. The survey has an error margin of +/- 3 percentage points.
Trustworthiness
Trust is also most manifest towards Binay, who got an 83% rating. He registered a distrust rating of only 3%.
Corona, on the other hand, obtained the lowest trust rating of 29% and the highest distrust rating of 27%.
Despite this, 52% approve of the performance of the Supreme Court as a whole. Only 19% disapprove.
On Sunday, Supreme Court spokesman Jose Midas Marquez said political forces are out to destabilize the high court by “[fomenting] public distrust and resentment towards [it],” In exchange for
“ruthless political objectives,” some quarters are doing it even at the risk of sacrificing the country’s constitutional stability, he said.
He also claimed to have received reports that lawmakers may amend its own rules in order to hasten the impeachment process against Corona by “going straight to the plenary, and thereafter transmitting the articles of impeachment immediately to the Senate.”
He explained section 2, rule II of the Rules of Procedure in Impeachment Proceedings does not allow this.
The rule dictates thus: “Impeachment shall be initiated by the filing and subsequent referral to the Committee on Justice of: (a) a verified complaint for impeachment filed by any Member of the House of Representatives; or (b) a verified complaint filed by any citizen upon a resolution of endorsement by any Member thereof; or (c) a verified complaint or resolution of impeachment filed by at least one-third (1/3) of all Members of the House.” –
Source: Ira Pedrasa, abs-cbnNEWS.com Trade Union Congress of the Philippines - Home
Business starts to worry over Noy plot vs SC chief
December 13, 2011
The vicious clash between the Executive and the Judiciary along with efforts to oust Chief Justice Renato Corona by President Aquino and his allies have the potential of rocking the markets which are already feeling the pinch of the European debt crisis, business executives said yesterday.
The head of the local stock exchange said while the friction between Aquino and Corona has not yet adversely affected the business sector, particularly the stock market, it is expected to have an impact if the issue lingers and worsens.
PSE president Hans Sicat said the move to oust the Chief Justice if it continues to “deteriorate,” may have an adverse effect on the business sector next to the Eurozone issue.
“We hope it does not affect the business sector because the problem with a deteriorating situation is that if investors feel that Philippines, Inc. is very unstable then it will have a negative effect
in the market, including the stock market,” Sicat said.
Source: Trade Union Congress of the Philippines - Home
The vicious clash between the Executive and the Judiciary along with efforts to oust Chief Justice Renato Corona by President Aquino and his allies have the potential of rocking the markets which are already feeling the pinch of the European debt crisis, business executives said yesterday.
The head of the local stock exchange said while the friction between Aquino and Corona has not yet adversely affected the business sector, particularly the stock market, it is expected to have an impact if the issue lingers and worsens.
PSE president Hans Sicat said the move to oust the Chief Justice if it continues to “deteriorate,” may have an adverse effect on the business sector next to the Eurozone issue.
“We hope it does not affect the business sector because the problem with a deteriorating situation is that if investors feel that Philippines, Inc. is very unstable then it will have a negative effect
in the market, including the stock market,” Sicat said.
Source: Trade Union Congress of the Philippines - Home
Dec 14, 2011
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