...Suffering into Success The time and place of where you are born can give you an advantage towards success. In Christopher Dillon Quinn’s documentary God Grew Tired of Us, three Lost Boys of Sudan who have been through hell and back and suffered a lot, but one day they got a chance to go to America became successful. One of the men Quinn interviews in his documentary is John Bul Dau; he ran away from home with the rest of the camp refugees when he was incredibly young since there was a war, losing his family and forced to walk hundreds of miles looking for a safe place to live. Dau was chosen to be a leader at the age of thirteen; during his leadership, he was forced to bury bodies, eat mud and drink urine. Dau is now a president of his own...
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...History 1900 | Act No. 52 was passed by the First Philippine Commission placing all banks under the Bureau of Treasury. The Insular Treasurer was authorized to supervise and examine banks and banking activities. | | | February 1929 | The Bureau of Banking under the Department of Finance took over the task of banking supervision. | | | 1939 | A bill establishing a central bank was drafted by Secretary of Finance Manuel Roxas and approved by the Philippine Legislature. However, the bill was returned by the US government, without action, to the Commonwealth Government. | | | 1946 | A joint Philippine-American Finance Commission was created to study the Philippine currency and banking system. The Commission recommended the reform of the monetary system, the formation of a central bank and the regulation of money and credit.The charter of the Central Bank of Guatemala was chosen as the model of the proposed central bank charter. | | | August 1947 | A Central Bank Council was formed to review the Commission’s report and prepare the necessary legislation for implementation. | | | February 1948 | President Manuel Roxas submitted to Congress a bill “Establishing the Central Bank of the Philippines, defining its powers in the administration of the monetary and banking system, amending pertinent provisions of the Administrative Code with respect to the currency and the Bureau of Banking, and for other purposes. | | | 15 June 1948 | The...
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...PNoy's longest SONA is short on key policy issues by Ira Pedrasa, ABS-CBNnews.com Posted at 07/22/2013 10:06 PM | Updated as of 07/22/2013 10:10 PM MANILA - It was President Benigno Aquino III’s longest State of the Nation Address (SONA) so far, and maybe the longest post-1986. Despite a close to 2-hour State of the Nation Address, two analysts still found it short on key policy decisions. They said it lacked depth on issues that mattered to his overall theme of “inclusive growth.” Aquino's first SONA in 2010 ran for close to 40 minutes, his second ran for 53 minutes, and his third ran for around one hour and 30 minutes. Aquino’s fourth, which went on for around hour and 43 minutes, was replete with “melodramatic” clips, University of the Philippines sociologist Nicole Curato noted. “It felt like it was crafted for foreign investors, he’s doing a cheerleader role, but in terms of him playing an elected official to his bosses, it had melodramatic clips that [do not] affect us in real life," she said. UP political analyst Jean Encinas-Franco also noted the “long, boring” speech that did not dig deep into issues that really mattered. For instance, there was no discussion on how he would generate jobs for Filipinos, she said. “There was not anything about job creation, rights of labor.” She said Aquino reiterated too much on the conditional cash transfer program even if it can't solve poverty. “Let us be reminded that the budget for the [CCT] is from a loan from the World...
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...UNDERSTANDING THE DETERMINANTS OF INTERNATIONAL TRADE IN AFRICAN COUNTRIES: AN EMPIRICAL ANALYSIS FOR GHANA AND SOUTH AFRICA LAURA MÁRQUEZ-RAMOS Universitat Jaume I Instituto de Economía Internacional ABSTRACT There are clear economic differences between developed and developing countries that lead to a different behaviour among them in the determinants of bilateral trade flows. Although a number of authors have focused on the determinants of the trade patterns, further research is needed for a better understanding of what goods and with which countries developed and developing economies trade. This paper focuses on the determinants of international trade in African countries. From an empirical perspective, two African economies, a developed (South Africa) and a developing country (Ghana) are analysed. Moreover, sector-heterogeneity is considered. Results show that determinants of trade have a different impact in developed and developing African countries. Geographical and social factors play a key role on trade relationships in South Africa. Moreover, technological innovation in importer countries leads to higher exports from this country. However, Ghanas exports are higher when they are addressed to countries with higher levels of economic freedom. Keywords: International trade, gravity equation, heterogeneity ¶ µ¢ ´ ¥ ³ £ ¤ ³ £ ± ¢ ¥ ° ¬ ª ¨ ¤ ¥ ¤ ¢ ¤8§¦ f¨²¦¨²EBy®¦¯®B«&©)fw§¦I0£...
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...STATE of MARYLAND STATE HEALTH CARE EXPENDITURES Experience from 2002 Released January 2004 Donald E. Wilson, M.D., MACP Chairman Donald E. Wilson, M.D., MACP Chairman Dean, School of Medicine Vice President for Medical Affairs University of Maryland Residence: Baltimore County George S. Malouf, M.D., Vice Chairman Ophthalmologist Residence: Prince George’s County Walter E. Chase, Sr. Retired Police Chief of Easton, MD Residence: Talbot County Ernest B. Crofoot AFL/CIO Residence: Anne Arundel County Larry Ginsburg Service Employees International Union Residence: Baltimore County Jeffrey Lucht Aetna Health, Inc. Residence: Howard County Robert E. Moffit, Ph.D. Heritage Foundation Residence: Anne Arundel County Robert E. Nicolay Retired Business Owner Residence: Carroll County Debra H. Risher President and Owner Belair Engineering & Service Co., Inc. Residence: Anne Arundel County Constance Row Partner, Row Associates Residence: Harford County Stephen J. Salamon Heritage Financial Consultants, LLC Residence: Baltimore County Clifton Toulson, Jr. U.S. Small Business Administration Residence: Prince George’s County Marc E. Zanger President and CEO CBIZ Benefits and Insurance Services of Maryland, Inc. Residence: Allegany County STATE of MARYLAND STATE HEALTH CARE EXPENDITURES Experience from 2002 Released January 2004 Donald E. Wilson, M.D., MACP Chairman Acknowledgements This report required the assistance of many individuals and offices in state government...
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...Experience Marcos dictatorship in Thailand By: Joel Ruiz Butuyan IF FILIPINO voters who are motivated with a longing to bring back the Marcos years will have their way in the May elections, all Filipino Facebook users will be in jail. This was my conclusion after a four-day stay in Thailand last week to witness the court trials of two political prisoners, and to meet with journalists and lawyers who are fighting to keep the embers of freedom alive despite the authoritarian rule of a military junta. I was in Thailand as the representative of the Center for International Law (Centerlaw), a nongovernment organization founded by my colleague Harry Roque. Centerlaw represents victims of human rights violations, especially persecuted advocates of freedom of expression. It is working to strengthen the network of free expression advocates in Southeast Asia. For four days, I listened to stories of arbitrary arrest and detention, intimidation, and some instances of torture committed by the very government that is supposed to protect the Thai citizenry against such crimes. It is all too reminiscent of the martial rule of Ferdinand Marcos in the Philippines. The Thai military junta, euphemistically known as the National Council for Peace and Order, mounted a coup d’état and ousted the government of Prime Minister Yingluck Shinawatra. The junta imposed martial law when it seized power in May 2014, and while the regime officially lifted it in April 2015, Thailand remains under martial...
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...Q3 2013 Financial Highlights October 16, 2013 • This presentation contains non-GAAP measures relating to the company's performance. You can find the reconciliation of these measures to the nearest comparable GAAP measures in the appendix at the end of this presentation. All growth rates represent year-over-year comparisons, except as otherwise noted. • This presentation contains forward-looking statements relating to our future performance that are based on our current expectations, forecasts and assumptions and involve risks and uncertainties. These statements include, but are not limited to, statements regarding expected financial results for the fourth quarter and full year 2013 and future growth in the Payments, Marketplaces and Enterprise businesses. • Our actual results may differ materially from those included in this presentation for a variety of reasons, including, but not limited to: changes in political, business, and economic conditions, including any continuing U.S. government shutdown or default; foreign exchange rate fluctuations; our need to successfully react to the increasing importance of mobile payments and mobile commerce and the social aspect of commerce; an increasingly competitive environment for our businesses; the complexity of managing an increasingly large enterprise with a broad range of businesses; our need to manage regulatory, tax and litigation risks (including risks specific to PayPal and Bill Me Later); our need to timely upgrade and...
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...Acknowledgement We, the proponents under the Bachelor of Science in Accountancy wish to express our sincere gratitude to the people who encourage and helped in fulfilling our feasibility study specifically: To our parents, brothers and sisters who supported us spiritually and provided the financial resources necessary in making our feasibility study. To our adviser, Mr. Jerome Orillosa, CPA, MBA who furnished us with constructive criticisms that have been great help to improve our analyses and guided us towards our study’s completion. To our friends whom we confined to when we find difficulty in some aspects of our study. To Ms. Nova Alita for lending us her laptop; it helped sped up or work. Above all, we are most grateful to the Almighty God for the gift of life, people, trials and learning that shaped us into the individuals we are now. We thank Him for the gift of knowledge and wisdom and for protecting us from any harm while we were conducting our study. Thank you very much. Executive Summary The location CHAPTER I: INTRODUCTION The proposed business Assumptions of the Study This study intends to determine whether it is feasible to establish a leisure center within Municipality of Midsayap. It is based on the following assumptions: 1. The study assumes the average occupancy rate would reach 65% in the first year of operation and increase by 10% in the succeeding years. 2. The proposed project site is the third unoccupied floor of a vacant building...
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...Abstract LPO (Legal Process Outsourcing) is currently one of the fastest growing industry as it provide low-cost and time saving services. This study aims to know about LPO, specifically its origin, the services it provide, its quality and satisfaction, its impact in the legal industry and its status nowadays. The theories related to the topic like Transaction Cost Theory and Value Chain Analysis are discussed in theoretical framework. In addition, this research uses descriptive type of design as a method. Finally, conclusions are formed based on the data collected from the instruments used relevant to the topic such as PDF’s, books, and articles from the internet. CHAPTER I Introduction Legal industry operates in a global market place, and both clients and firms are seeking to understand how global outsourcing can add to their business. Lawyers have always outsource work to other lawyers with specialist knowledge. Firms are using their offices in other jurisdictions to do their legal work and offering that services to other firms. (The Law Society, 2011). In the Philippines, Legal Process Outsourcing (LPO) is one of the fastest growing sector in Business Process Outsourcing (BPO) industry. Many LPO’s have out growth due to increasing demand for legal outsourcing and off shoring abroad. Various U.S law firms chooses Philippines because of its highly educated lawyers who are experts in their fields, high English proficiency, similar with the US legal systems, lower labour...
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... qwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwe...
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...------------------------------------------------- VISION to be the best bank for all our stakeholders. MISSION we aim to be a premier universal bank of international standing, committed to creating and providing the best possible value for our core constituents – clients, employees, shareholders, and the communities whom we serve. We shall exert all efforts to transform every opportunity to expand our sphere of business activities into instruments to help our constituents realize their own goals and aspirations. We shall strive to reach a highly diversified customer base through an extensive distribution network at the same time delivering a wide array of premium-value products and services with distinctive quality. We realize that our success depends on the quality of our people, the efficiency of our systems, and the strength of our organization. Hence, we shall continuously invest in our human resources to ensure a service force characterized by the highest standards of dignity, probity and professionalism. We shall constantly endeavor to be more responsive to dynamic market conditions, flexible in coping with customer needs, innovative in leading the competition, and united in pursuing common objectives. Our financial capability shall likewise be continually invigorated to maintain dynamism, growth and stability. Recognizing our responsibility to our shareholders, we shall exercise judicious management to consistently provide them with fair returns and...
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...State of the Nation Address of His Excellency Benigno S. Aquino III President of the Philippines To the Congress of the Philippines [This is an English translation of the SONA delivered at the Session Hall of the House of Representatives, Batasang Pambansa Complex, Quezon City, on July 22, 2013] This is my fourth SONA; only two remain. Almost four years have passed since I was approached by various camps to urge me to run for the presidency. They said: “We know that our country’s problems cannot be solved in the blink of an eye, in one year, or even within the six-year term of a President. But just begin, and we will be one with you in nurturing change.” Even then, I was aware of the significant problems that I would have to face. From being a candidate, to being President, or even after I step down from office, the difficulties I will have to face are no joke. Widespread transformation of society is my objective, and I am aware that there are many things and many people I would have to confront in order to achieve this. But I was not raised by my parents to back down in the face of challenges. I would not be able to live with myself if I had refused the chance to alleviate the suffering the Filipino should not have to endure. We have answered the call, and those who have been with us from the start have only grown in number. I believe that if what I have been doing is right, then our allies will only grow. Just this May, I asked you, Boss, are we going in the right direction...
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...FAR EASTERN UNIVERSITY INSTITUTE OF TOURISM AND HOTEL MANAGEMENT Super Dog’s Gym & Training Center ---------------------------------------------------------------------------- A Business Plan Presented to the Faculty of the Institute of Tourism and Hotel Management Far Eastern University Nicanor Reyes Street, Sampaloc, Manila ---------------------------------------------------------------------------- In Partial Fulfillment of the Requirements for the Degree of Bachelor of Science in Tourism Management ---------------------------------------------------------------------------- BASAT, JOLINA BELLE C. HUANG, YA-HUI E. MATAYA, TRIZIAMAE D. PAREDES, CHIT JANSSEN A. TELAN, DERREN KRISTELLE J. October 2015 FAR EASTERN UNIVERSITY INSTITUTE OF TOURISM AND HOTEL MANAGEMENT APPROVAL SHEET In partial fulfillment of the requirements for the degree of BACHELOR OF SCIENCE TOURISM MANAGEMENT, this business plan entitled “Super Dog’s Gym and Training Center”, prepared and submitted by JOLINA BELLE C. BASAT, YA-HUI E. HUANG, TRIZIAMAE D. MATAYA, CHIT JANSSEN A. PAREDES, and DERREN KRISTELLE J. TELAN, is hereby recommended for submission to the Oral Presentation. _____________________________________________ Adviser Approved by the Research Committee at the Oral Examination conducted on October 4, 2015 with the grade of __________ %. THE RESEARCH PANEL COMMITTEE ______________________________ Chairman ______________________________ ...
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...PINOY INTERNET: PHILIPPINES CASE STUDY March 2002 INTERNATIONAL TELECOMMUNICATION UNION GENEVA, SWITZERLAND This report has been written by Michael Minges, Esperanza Magpantay, Lucy Firth and Tim Kelly of the International Telecommunication Union (ITU). The report is based on field research carried out between 1 5 October 2001 as well as articles and publications sourced in the document. The National Telecommunications Commission provided incalculable support; without their assistance, this report would not have been possible. Equally, the report would not have been possible without the cooperation of the many from the Filipino public and private ICT sector who offered their time to the reports authors. The kind hospitality of Philippine Electronics and Telecommunications Federation (PETEF) is also acknowledged. We would also like to thank N. Santiago of Globe and A. Bengzon, Undersecretary for Communications, for their insightful comments. The report is one of a series of case studies examining the Internet in South East Asia carried out in 2001. Additional information is available on the ITUs Internet Case Study web page at http://www.itu.int/ITU-D/ict/cs/. The report may not necessarily reflect the opinions of the ITU, its members or the government of the Republic of the Philippines. The title refers to the Filipino (Tagalog) word Pinoy meaning Filipinos by Heart. The SMS message appearing on the mobile phone screen (Kmusta txt k nman) is also in Tagalog and means...
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...REGION II is composed of five provinces: - CAGAYAN Capital: Tuguegarao City - ISABELA Capital: Ilagan - BATANES Capital: Basco - NUEVA VIZCAYA Capital: Bayombong - QUIRINO Capital: Cabbaroguis CAGAYAN Cagayan Provincial Museum - An extensive collection of artifacts of the province and fossils of prehistoric animals. MIRACULOUS LADY OF PIAT A four centuries-old image of Mary broughtfrom Macao by DominicanFriars. The Basilica Minore is a declared National Shrine and a world-renowned pilgrimage spot. SAN JACINTO DE POLONIA PARISH, Camalaniugan -The church contains the oldest bell in the Far East, forged in 1595. ST. HYACINTH CHURCH, Tuguegarao Features an elevated chapel, its construction dates back to 1604. ST. PETER AND PAUL'S CATHEDRAL, Tuguegarao Built in 1767, the church has been restored after suffering massive damage in World War 2. ISABELA AGUINALDO SHRINE, Palanan - General Aguinaldo was captured here in 1901 by American Forces, thus ending the Philippine Revolution GUIBANG CHURCH, Gamu Houses the Miraculous Lady of the Visitation of Guibang. PARISH CHURCH OF ST. MATHIAS, Tumauini An ultra-Baroque church, unique for extensive use of baked clay, both for wall finishing and ornamentation. SAN PABLO CHURCH, San Pablo Built in 1625, it features the tallest bell tower in the Cagayan Valley. BATANES RADIWAN POINT, Ivana Seaport Site of the landing by Philippine Independence fighters on September 18, 1889. SONGSONG ...
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