...Presentation of the Case: Case 2: JUAN AND MARIA SANTOS Facility Applied For: P 1,500,000 Revolving Credit Purpose of Loan: Additional Working Capital Collateral: House and Lot in a subdivision beside Ayala Alabang Appraised Value: Lot 550 sq. meter P 1,540,000.00 House P 1,200,000.00 Fence/Landscape P 100,000.00 Total P 2,840,000.00 Facts of the Case: * Age(s) Juan- 37 years old Maria- 35 years old Son- 7 years old studying in La Salle * Clients are depositors of Parañaque Branch with STD of $ 20,000.00 * Other Asset(s): 2 cars. A 2-year old car financed by BA finance (good credit checking) and 3-year old car. Source(s) of Income: * Fast Food Business in Mandaluyong selling BBQ, siopao, mami, goto. One year in operation. Net income of P 24,000.00 a month. * Uno Marketing retailing medical products with 2 branches (Mandaluyong and Parañaque) including drugstore operations. Net income of P 120,000.00 per month. Total income is P 144,000.00/month. Deviation Request: Waiver of submission of Financial Statements-Income to be taken as claimed by the clients. I. Point of View In creditor’s point of view, Juan and Maria Santos’s loan was P 1,500,000.00 revolving credit. Revolving credit is a line of credit where the customer pays a commitment fee and is then allowed to use the funds when they are needed. It is usually used for operating purposes, fluctuating each month depending on the customer's current cash flow needs....
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...CASE 2: JUAN AND MARIA SANTOS Presentation of the Case: Facility Applied for: P1, 500, 000 Revolving Credit Purpose of Loans: Additional Working Capital Collateral: House and Lot in a subdivision beside Ayala Alabang Appraised Value: Lot sq. meter P 1, 540, 000.00 House P 1, 200, 000.00 Fence/Landscape P 100, 000.00 Total P 2, 840, 000.00 Loan to Security Ratio (LSR) 53% Debt to Burden- For interest only 17% versus 25% guideline Facts of the Cases: * Age(s) Juan- 37 y/o Maria- 35 y/o Son (dependent)- 7 years studying at La Salle * Clients are depositors of Paranaque Branch with STD of $20, 000.00 * Other Asset(s) 2 cars. A 2-year old car financed by BA finance (good credit checking) and 3-year old car Source(s) of Income: * Fast food Business in Mandaluyong selling BBQ, siopao, mani, goto. One year in operation. Net income of 24, 000.00 a month * Uno Marketing retailing medical products with 2 branches (Mandaluyong and Paranaque) including drug store operations. Net income of P 120, 000.00 per month. Total income is P 144, 000.00 per month. Deviation Request: Waiver of submission of Statements- Income to be taken as claimed by the clients Questions: * Should the creditor approve the loan request? * What are the risks involved? I. Point of View In creditor’s point of view, the facility applied for a P 1, 500, 000.00, revolving credit for the purpose of an additional working capital. Revolving credit is the...
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...of Kingdom of Maynila under the Bolkiah dynasty | 1521 | 16 March | Ferdinand Magellan lands on Homonhon with three small ships, named the Concepcion, Trinidad and Victoria. Magellan calls the place the Arcigelago de San Lazaro since March 16 is the feast day of Saint Lazarus | | 28 March | Magellan reaches the Philippines | | 29 March | Blood Compact between Magellan and Rajah Kulambo of Limasawa | | 31 March | The first mass on Philippine soil is celebrated. | | 7 April | Magellan meets Rajah Humabon of Cebu and enters into another Blood Compact. Humabon and his wife are baptized into the Catholic Church. | | 27 April | Magellan is killed by Lapu-Lapu in the battle of Mactan. | 1525 | | Spain sends an expedition under Juan Garcia Jofre de Loaysa to...
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...authentic reading texts to encourage an understanding of Spain and Spanish-speaking countries • reference to Latin American usage where appropriate • full exercise answer key • glossary of grammatical terms Basic Spanish is the ideal reference and practice book for beginners and also for students with some knowledge of the language. Carmen Arnaiz and Irene Wilkie are both Senior Lecturers in Spanish and Linguistics at the University of the West of England, Bristol. Titles of related interest published by Routledge: Modern Spanish Grammar: A Practical Guide Juan Kattán-Ibarra and Christopher Pountain Modern Spanish Grammar Workbook Juan Kattán-Ibarra and Irene Wilkie Spanish: An Essential Grammar Peter T. Bradley and Ian MacKenzie Colloquial Spanish Untza Otaola Alday Colloquial Spanish 2 Untza Otaola Alday Colloquial Spanish of Latin America Roberto Rodriguez-Saona Colloquial Spanish of Latin America 2 Roberto Rodriguez-Saona BASIC...
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...manga Tagalog nang uicang Castilla ( Book that the Tagalogs Should Study to Learn Spanish) for the benefit of unlettered Filipinos in the Spanish language. ➢ In 1582 , Archbishop Domingo Salazar ordered that every town was to have one school for boys and one for girls. ➢ Subjects taught: catechism, reading and writing in dialect, music, the rudiments of aritchmetic , and trades and industries. ➢ College of Manila > College of San Ignacio > University of San Ignacio ( 1621) – first college for boys founded by the Jesuits in 1589. However, it was closed in 1768. ➢ Colegio de Nuestra Señora del Santissimo Rosario later renamed Universidad de Santo Tomas ( in 1645 by Pope Innocent X) was established in 1611 by Fray Miguel de Benavides , the third archbishop of Manila. ➢ Colegio de San Juan de Letran – established by the Dominican order to...
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...CHAPTER (IN MADRID 1890) Early in August, 1890, Rizal arrived in Madrid -Upon arrival in Madrid, Rizal immediately sought help of the Filipino colony, The Asociacion Hispano-Filipina, and the liberal Spanish newspaper in securing justice for the oppressed Calamba tenants · El Resumen- a Madrid newspaper which sympathized with the Filipino cause, said: “To cover the ear, open the purse, and fold the arms—this is the Spanish colonial policy · La Epoca- an anti-Filipino newspaper in Madrid 1. Jose Ma. Panganiban, his talented co-worker in the Propaganda Movement, died in Barcelona on August 19, 1890, after a lingering illness 2. Aborted Duel with Antonio Luna—Luna was bitter because of his frustrated romance with Nellie Boustead. Deep in his heart, he was blaming Rizal for his failure to win her, although Rizal had previously explained to him that he had nothing to do about it. Luna uttered certain unsavory remarks about Nellie, Rizal heard him and angered by the slanderous remarks, he challenged Luna, his friend, to a duel. Fortunately, Luna realized that he had made a fool of himself during his drunken state, he apologized for his bad remarks about the girl and Rizal accepted his apology and they became good friends again 3. Rizal challenges Retana to Due l—Wenceslao E. Retana, his bitter enemy of the pen, a talented Spanish scholar, was then a press agent of the friars in Spain. He used to attack the Filipinos in various newspapers in Madrid and other cities in...
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...using a passport of Jose Mercado, which was procured for him by his uncle Antonio Rivera, father of Leonor Rivera. He was accompanied to the quay where the Salvadora was moored by his uncle Antonio, Vicente Gella, and Mateo Evangelista. 15 June 1882 He left Marseilles for Barcelona in an express train. Rizal in Barcelona, Spain 20 August 1882 His article "Amor Patrio" was published in the Diarong Tagalog, a Manila newspaper edited by Basilio Teodoro. This was the First article he wrote abroad. Rizal in Madrid, Spain 2 September 1882 Rizal matriculated at the Universidad Central de Madrid. He took the following subjects: medical clinic, surgical clinic, legal medicine and obstetrical clinic. 4 October 1882 Asked to deliver a poem by the members of Circulo Hispano-Filipino, there together in the effort to save the association from disintegration, Rizal recited "Me piden versus." The meeting was held at the house of Pablo Ortiga y Rey. 2 November 1882 He wrote the article "Revista de Madrid" which was in intended for publication in the Diarong Tagalog in Manila, but was not published because the newspaper stops its circulation. 7 November 1882 Rizal wrote an article entitled "Las Dudas". The article was signed Laong - Laan. Rizal in Paris, France 18 June 1883 With Felipe Zamora and Cunanan, He visited the Leannec Hospital to observe how Dr, Nicaise treated his patients. He was stunned to see the advanced facilities in the accommodation in the said...
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...INTRAMUROS Intramuros (Latin: within the walls) is the historic centre and oldest district of Manila, the capital city of the Philippines. Also known as the Ciudad Murada (Walled City) because of its most famous feature: a nearly three-mile-long circuit of massive stone walls and fortifications that almost completely surrounds the entire district. Understand From the city's foundation in 1571 to the end of Spanish rule in 1898, Intramuros was Manila. The Spanish conquistador Miguel López de Legazpi laid the foundations of the new capital on the former site of Maynilad, a palisaded riverside settlement ruled by a native chieftain. To protect the inhabitants from attack, in the late 1500s construction began on a series of stone walls and fortifications that would eventually enclose a pentagonal area approximately 0.67 sq km in size, within which lay a tight grid-like system of streets and a main square surrounded by government structures. The defensive curtain was more or less completed by the 1700s, although improvements and other construction work continued well into the next century. Within the protective walls rose a city of stone palaces, churches, monasteries, convents, schools, and fine courtyard houses. In the centuries that followed, Manila (meaning Intramuros) served as the capital of the Spanish East Indies - the centre of commerce, education, government, and religion in Spain's most distant imperial possession. Except for a brief period under British rule (1762-1764)...
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...LECTURE GUIDE IN SOC 6 WEEK 1—ORIENTATION / INTRODUCTION TO RIZAL COURSE WEEK 2 BACKGROUNDER OF RIZAL’S FAMILY / HISTORICAL BACGROUND OF RIZAL: A. ANCESTRY OF RIZAL. Rizal came from a mixture of races. From his father side, his great grandfather was a Chinese merchant from Amoy, China. In the closing year of the 17th century, Domingo Lamco who assumed the family surname “ Mercado “ in consonance with the decree of Governor General Narciso Claveria to free all Spanish subjects and their children from prejudices associated with having Chinese surnames. Lamco married a wealthy Chinese mestiza, Ines dela Rosa and from Manila, they moved to Binan and became tenants in the Dominican hacienda which those time large portion of the town were owned by Dominican friars. Rizal’s great grandfather was Francisco Mercado, the son of Domingo and Ines dela Rosa, who married a Chinese mestiza Cirila Bernacha, had a son by the name of Juan Mercado, who married a Chinese mestiza Cirila Alejandrino, serving as Riza’s grandfather. Juan and Cirila had 14 children, one of whom was Francisco Mercado, Rizal’s father who married Teodora Alonzo. Rizal’s father was an erudite man. He took courses in Latin and Philosophy at Colegio de San Jose in Manila. For Rizal, his father was a model father because of his honesty, industry and prudence. Rizal inherited from his father self – respect, serenity and poise, seriousness and a deep sense of dignity. On the other hand, from his mother side, Rizal’s...
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...become honest and effective leaders. To vote wisely on their leaders, not to be ignorant in terms of judiciary system, and to become aware of social economic and political issues. If everybody was educated, the country can slowly achieve higher standards of living and can lessen poverty and hunger. Also, educate people on how to save and this is done through organizing seminars and conference. We have come to realize that we can also contribute in simple way by making effort to introduce a business with little capital that can sustain a family in their daily needs. To correlate with other more developed Asian countries, the Philippines must have infrastructure that will links it to region and islands for faster delivery of products. In that case, farmers will earn better and contribute to the economy. Then create employment opportunities by constructing small scale industries to enable people get access on jobs. Promote agriculture and farming which are the main sources of income in rural areas. Also, we can have promote peace and unify in order to avoid political instability. This will attract investors’ to invest in rural areas. Create market opportunities to enables the rural population will sell their goods at a favorable price. Then avoid corruption which is the most cause of poverty...
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...Ego te absolvo. En el confesionario se encontraba, adormecido, casi le resulta insoportable escuchar a aquellas viejas que se quejaban de haber tenido malos pensamientos, de haber comido en exceso, de no haber cumplido sus obligaciones maritales, de esconder restos de un buen postre para ser disfrutado con posterioridad. Escuchó el batir de la puerta. -Una más, pensó, pero la vocecita del otro lado lo sacó de aquel sopor. Con nuevos bríos dijo –Ave María gratía plena, sintió cómo su miembro empezaba a crecer. – Sin Pecado original concebida.- ¿Desde cuándo no te confiesas? inquirió, en tono amenazante. -Desde la semana pasada Padre. -A ver ¿y por qué has dejado pasar tantísimo tiempo? -Tenía otras cosas que hacer Padre. -¿Como cuáles más importantes que agradar a Dios? No contestó. Dime tus pecados. -Los de siempre Padre, desobedecí a mis padres, me he acostado sin rezar, y me he dormido durante la hora Santa, Padre, y en esta ocasión me encuentro en mis días, tengo mi periodo, creo que no podrá ser la misma penitencia de siempre. -Bien, entonces tú decides hija, tres días de silicio o me esperas en la sacristía. -Padre, pero tengo mi periodo, ya se lo dije. –Sí, pero podemos conmutarlo. –Bueno. -Espérame en la sacristía, alzo su mano derecha sobre la cabeza de ella, ego te absolvo a peccatis tuis in nomine Patris, et Filii, et Spiritus Sancti. Amén. -Amén. De inmediato terminó las confesiones y se dirigió a la Sacristía, apurado echó llave a la puerta, al fondo estaba ella...
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...Goldilocks: From family fairy tale to global phenomenon When Filipinos think of Goldilocks, a curious blonde girl and her three bear companions are not usually what come to mind. For Filipino families around the world, Goldilocks is more than a character in a fairy tale, but is a delectable and cultural fact of life. The most famous and largest bakeshop/restaurant based in the Philippines is expanding beyond the book to better serve its loyal and growing customers. For nearly 50 years, Goldilocks has provided unique, quality Filipino meals and baked goods to thousands worldwide. With eight locations in Northern California, three in Southern California, and one in Las Vegas, Goldilocks is known to Filipino communities all over the West Coast. It has also made its mark as a global brand, selling goods and products to markets internationally, including Asia and Canada. Today, the company continues to reach out to its growing customer base at home and abroad, while sticking true to its Filipino roots. “Fairy tale” beginnings The story of Goldilocks began where most fairy tales start: with family. In 1966, two close half-Filipino/Chinese sisters, Milagros Yee and Clarita Go, and their sister-in-law, Doris, were baking sweets in their humble Makati City apartment to provide for hospital patients and family friends, who were their first dedicated customers. Nicknamed “The Two Moms,” the sisters were known for their ambitious work ethic and special homemade recipes—especially...
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...Chapter 1 THE PROBLEM AND ITS BACKGROUND Introduction This research project serves as culmination to the problem involving the restoration of the Basilica. It seeks to summarize, explain and synthesize several highlights of the topic in dialogue with the assigned texts and other readings; it will force additional research and reflections as an instrument for clarifying, defining and augmenting the author’s understanding of the major issues addressed by the proposal. The scope of the study embraces a solution that will lead the restoration of the Basilica to realities and treat the problems involving its reestablishment. Being a national heritage and considered to be one of the first Roman Catholic churches in the Philippines, it is our objective to restore a historical edifice and preserve its cultural legacy and customs. On October 15, 2013, a 7.2 magnitude earthquake shook Bohol at approximately 8:00 in the morning. It caused millions of worth of casualties, hundreds of families devastated, destroyed numerous properties and damaged many historical landmarks and churches, including the Basilica de Sto. Nino. The earthquake crushed most of the belfry and façade; walls and frescoes are cracked, leaving the church in verge of total wreckage. To prevent an entire loss, propositions involving the repair and rebuilding of the damaged areas are to be provided as well as redesigning of the structure’s stability will furnish its constancy to be able to withstand future disastrous...
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...imaginations and led them to create legends. The Kapampangans are a perfect example of this. Mount Arayat, a mountain located in a town in Pampanga with the same name has aroused the imagination of ancient Kapampangans to create the legend of Sinukuan. Mount Arayat, also known as Mount Sinucuan of Arayat, is a dormant volcano whose last eruption dates back some 500,000 years ago. According to the theory of Fray Martin de Zuniga, this mountain which is visible from Manila Bay, was created by a giant whirlpool at the beginning of time. Old Kapampangan folklore says that it used to be located in the present site of the Candaba Swamp in Candaba, another small town in Pampanga. Evangelina Hilario-Lacson, in her book entitled, Handumon 2 Kapampangan Writing: A Selected Compendium and Critique mentioned that, according to the legend, Sinukuan got extremely disappointed with the people of Candaba that he lifted up the entire mountain and transferred it to its present site in Arayat, thus, leaving behind the basin...
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...CONTEMPORARY PHILIPPINE MUSIC CONTENT STANDARDS The learner demonstrates understanding of... 1. Characteristic features of contemporary music. PERFORMANCE STANDARDS The learner... 1. Sings contemporary songs. DEPED COPY LEARNING COMPETENCIES The learner... 1. 2. 3. 4. 5. 6. 7. 8. Listens perceptively to excerpts of major contemporary works. Describes characteristics of traditional and new music. Gives a brief biography of selected contemporary Philippine composers. Sings selections of contemporary music with appropriate pitch, rhythm, style, and expression. Explores ways of creating sounds on a variety of sources. Improvises simple vocal/instrumental accompaniments to selected songs. Creates a musical on the life of a selected contemporary Philippine composer. Evaluates music and music performances using knowledge of musical elements and style. From the Department of Education curriculum for MUSIC Grade 10 (2014) 88 All rights reserved. No part of this material may be reproduced or transmitted in any form or by any means electronic or mechanical including photocopying without written permission from the DepEd Central Office. Contemporary Philippine Music CONTEMPORARY PHILIPPINE MUSIC A ccording to National Artist Ramon Santos, PhD, “contemporary music in the Philippines refers to compositions that have adopted ideas and elements from 20th century art music in the west, as well as the latest trends and musical styles in the entertainment industry.” The modern Filipino repertoire...
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