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The poor must be the priority for the next Philippine President in 2016

welcome By: Elena Grace Flores

The Aquino Administration who vowed to take the straight path towards progress and to diminish the ancient corruption system of government in the Philippines is now bidding farewell with the upcoming 2016 national election. Who do you think should be the next Philippine President?


Pledging to take care of the economy by encouraging foreign investments and further operations by the country’ s rich and famous, the outgoing administration claimed their success on their efforts – hoping that the alleged growth will reach the poorest of the poor as time goes by and nothing is wrong with that. Only, even the government itself acknowledged that there are still more things to be done.

Now, since the Pnoy administration is almost over, the plight of the masses which constituted to being the largest segment of the Filipino people who are evidently poor is left to the voters’ hands. Will they choose a President from the Liberal party who would more or less adapt the same strategy as the Aquino administration or choose Vice President Jejomar Binay whose campaign efforts are always geared to take care of the poor since the beginning of his time in politics? Not to mention being poor himself who managed to become a human rights lawyer through hard work.


Those who witnessed how poor people live in the Philippines can attest to the urgency of their much needed rehabilitation because people are dying in the streets everyday. This should be the utmost concern of any Presidential candidate at this point in time. The rich can still improve their businesses with or without the government’s help. Also, the peace and order situation of the country can be controlled when people are not hungry.

So, will you be choosing a President for the welfare of the poor despite allegations of corruption? Well, as human nature dictates, when you want to destroy a good politician – you can just accuse him of corruption and his image can easily turn from white to black. Are Filipinos smart enough not to let this happen?

I think it’s about time to prioritize the ones at the bottom because the present administration already did whatever they can to better the interests of the ones from the top – and hopefully, this would narrow down the gap between rich and poor.


Who would you vote for in 2016 Presidential race?


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NSO is now PSA

In a very sunny morning, my adopted child was so excited to get enrolled in the nearby school – only to be rejected because her birth certificate is not issued by  NSO but by PSA. I was irritated so, we tried to find ways to verify and get hold of Raul Ludovice from PSA.

He explained that Philippine Statistics Authority or PSA is the new name of NSO or National Statistics Office so, we hurried back to the school to explain this – only to find confused parents and teachers alike.

So, please be informed and share this information to who might need this.

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Bank’s Added Value Service from Security Guards

welcome By: Elena Grace Flores
A simple act of kindness has made BPI Savings Bank’s service exceptionally good – may it be done voluntarily by security guards or acquired through effective training sessions. The firm but courteous assistance of these men in uniform made customers want to always transact business with the bank. It’s like dealing with someone you know. Take the case of this one caring gesture that can improve the well-being of humanity:

I thought at first that the guard was simply giving the umbrella back to the ATM user – and I was quick to assume that she accidentally left it in the bank earlier….

A Guard

I was actually wrong! The guard voluntarily shaded the lady customer from the intense heat of the noon time sun – using a BPI red umbrella!

BPI Guard

Amazing…and it goes on and on for male and female ATM users alike. Indeed a nice sight to witness at BPI Shorthorn Branch, Project 8, Quezon City, Philippines. Keep it up guys!

You can help us promote good deeds by clicking on the Ads relevant to you with no commitment to engage in of course.

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Grandma Stirs Yuppies over VP Binay Debate

welcome By: Elena Grace Flores

It’s been said before that the government is the reflection of its people the same as, the youth is the future of our country – but what if good manners are forgotten by many and real issues are overlooked due to massive public prosecutions?  You may already know that our media channels are overwhelmed with unfounded corruption news including that of VP Binay, and whoever masterminded this can already expect great success if they already attract massive audience. Who will continue prioritizing community development efforts – when most of us embrace publicized accusations against politicians in power? Since I never have political ambitions, I am thankful to our politicians that they seek public office, or else – no one would run the country! Instead, I support programs initiated by government sectors that nurture community welfare in the areas of livelihood opportunities, environmental preservation and sustainable public service facilities.

Just after finishing lots of government requirements for the organization of our cooperative group in one of the communities I supported, I checked on my Facebook and there were many posts about VP Jejomar Binay’s alleged overpriced projects. Since they are set on public, I did not hesitate adding my comments on those that I spotted. Some owners of these posts clicked like or unlike which I think, were very kind. There was one who just blocked me off which is also fine but another put up a challenge which obviously amused me and better yet, it was supported by his contacts. I said; this must be from an energetic group because I failed to intimidate them with my personality which I normally do. Well for me, this is a privilege for older people who are stable because we’ve been there, done that – and we have nothing to prove anymore. Most of all, we have come to the point where there’s no need to work harder to keep both ends meet – like most budding professionals. Just hoping that the younger ones will learn from our achievements as well as from the mistakes we made, because human beings make mistake as we all know and I am not an exception to that rule.

Since my eyesight, memory and motor skills are not anymore as efficient as during my prime, I was comfortable to remain in that mind and body framework – thinking that I was simply debating with a friend. It’s after few exchanges that I wondered why the reactions were not quite like from that press-friend whom I admired – who will always remain relaxed, kind and polite during our past debates and discussions. You know, prior to press conferences in our Cebu group, we normally exchange views on what we think about that current hot topic whether favorable or unfavorable – to come up with a good follow-up material. That helps to be fair when both sides are reported. Good journalists will always make it a point to verify facts and quote the two sides of the story – and leave it to the public to decide the verdict if needed. So, I mentioned my disgust about his reactions and that’s when I learned that although they have the same name, he’s not the same person as I thought he was. I was apologetic and was prepared to go away. However, my name was often quoted demanding answers from me so, I complied in my utmost availability – so as not to be rude but in a different manner.

Nevertheless, my best is not good enough and for sure, I can’t please everybody especially the group with different political views than me. As I learned from our Debates back in High School, it’s not about your arguments that matter most – but it’s how you deliver them. Often, your credibility is enhanced by being courteous and not by what you know or don’t know. For sure it’s also important to support your arguments with facts or else, you will sound like a talking parrot!

It may be funny for a grandmother like me stirring up a group of young executives in a social media environment – but this boils down to; what will be the future of our country if instead of contributing in our own simple way for its progress, we are fueling the interests of bad politicians who just intended to destroy each other and neglect their own responsibilities for our country or world in general? There’s only 24 hours in a day – and massive negative publicity like what we are experiencing now from powerful political parties can exhaust our leaders with their quality time while defending themselves and our money (financial reserves from taxes) extensively! Can’t we just leave the allegations to the courts of law? To ignore is the best insult. So, why not make noise for better public hospitals, schools or universities and efficient public infrastructures or services including daily segregated garbage collection plus emergency readiness and calamity prevention or precaution from our government instead of sharing gossips? It’s not too late to adapt to the idealism of being a good citizen – rather than remain hateful, egoistic and often useless netizens.

Just click here if you want to view the actual debate and let me know what you think. There can be no wrong views here, so please do not hesitate to do so.

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Casimiro Village Phase 3 Multipurpose Cooperative Bylaws

welcome By: Elena Grace Flores


Section 2. Qualification for Membership – The membership of this Cooperative is open to all natural persons, Filipino citizen, of legal age, with capacity to contract and, within the common bond and field of membership described as follows:

Residing or working in Casimiro Village Phase 3, their relatives and associates interested in Community Service!


Section 3. Requirements for Membership.

A member must have complied with the following requirements:

  1. Approved application for membership;
  2. Certificate of completion of the prescribed Pre-Membership Education Seminar (PMES) or willingness to complete within one year from membership approval date;
  3. Subscribed and paid the required minimum share capital and membership fee; and


BY-LAWS OF Casimiro Village Phase 3 Multipurpose Cooperative


We, the undersigned Filipino citizens, all of legal age, and residents of the Philippines, representing at least majority of the members of this primary cooperative, do hereby adopt the following code of Bylaws.

Article I

Purpose(s) and Goals


The purpose(s) and goals of this Cooperative are those set forth in its Articles of Cooperation.

Article II


Section 1. Membership. This Cooperative shall have regular and associate members.
Section 4. Application for Membership. An applicant for membership shall file a duly accomplished form to the Board of Directors who shall act upon the application within seven (7) days from the date of filing. The Board of Directors shall devise a form for the purpose which shall, aside from the personal data of the applicant, include the duties of a member to participate in all programs including but not limited to capital build-up and savings mobilization of the Cooperative and, such other information as may be deemed necessary.

The application form for membership shall include an undertaking to uphold the By-laws, policies, guidelines, rules and regulations promulgated by the Board of Directors and the general assembly. No application for membership shall be given due course if not accompanied with a membership fee of Five Hundred Pesos (Php 500) which shall be refunded to the applicant in case of rejection.


  1. Having been absent for in three (3) consecutive meetings or in more than fifty percent (50%) of all meetings within the twelve (12) month period unless with valid excuse as approved by the board of directors;
  2. Being an official or employee of the Cooperative Development Authority, except in a cooperative organized among themselves;
  3. Having been convicted in administrative proceedings or civil/criminal suits involving financial and/or property accountability; and
  4. Having been disqualified by law.


Section 5. Election of Directors. The members of the Board of Directors shall be elected by secret ballot by members entitled to vote during the annual regular general assembly meeting or special general assembly meeting called for the purpose. Unless earlier removed for cause, or have resigned or become incapacitated, they shall hold office for a term of five (5) years or until their successors shall have been elected and qualified; Provided, that majority of the elected directors obtaining the highest number of votes during the first election after registration shall serve for two (2) years, and the remaining directors for one (1) year. Thereafter, all directors shall serve for a term of two (2) years. The term of the cooperating directors shall expire upon the election of their successors in the first regular general assembly after registration.


Section 6. Election of Officer within the Board. The Board of Directors shall convene within ten (10) days after the general assembly meeting to elect by secret ballot from among themselves the Chairperson and the Vice-Chairperson, and to elect or appoint the Secretary and Treasurer from outside of the Board.

For committees elected by the General Assembly and/or appointed by the BOD, procedural process of electing the Chairperson, Vice-Chairperson or other positions among themselves should be in accordance with the process mentioned above.


Section 7. Meeting of the Board of Directors. The regular meeting of the Board of Directors shall be held at least once a month. However, the Chairperson or majority of the directors may at any time call a special Board meeting to consider urgent matters. The call shall be addressed and delivered through the Secretary stating the date, time and place of such meeting and the matters to be considered. Notice of regular and special meetings of the Board of Directors, unless dispensed with, shall be served by the Secretary in writing or through electronic means to each director at least one week before such meeting.


Majority of the total number of directors constitutes a quorum to transact business. Any decision or action taken by the majority members of the Board of Directors in a meeting duly assembled shall be a valid cooperative act.


Section 8. Vacancies. Any vacancy occurring in the Board of Directors by reason of death, incapacity, removal or resignation may be filled-up by a majority vote of the remaining directors, if still constituting a quorum; otherwise, such vacancy shall be filled by the general assembly in a regular or special meeting called for the purpose. The elected director shall serve only for the unexpired term of his/her predecessor in office.

c. Monitor compliance with the Code of Governance and Ethical
Standards and recommend to the BOD measures to address

the gap, if any;

d. Conduct initial investigation or inquiry upon receipt of a
complaint involving Code of Governance and Ethical Standards
and submit report to the BOD together with the appropriate

e. Recommend ethical rules and policy to the BOD;

f. Perform such other functions as may be prescribed in the By-
laws or authorized by the GA.


Section 11. Credit Committee. A Credit Committee is hereby created and shall be composed of two members to be appointed by the Board of Directors. Within ten (10) days after their appointment, they shall elect from among themselves a Chairperson, Vice-Chairperson and a Secretary when one more member is added who shall serve for a term of one (1) year or until successors shall have been appointed and qualified. No member of the Committee shall hold any other position in the Cooperative during his/her term of office.

Section 12. Functions and Responsibilities. The Credit Committee shall:

  1. Be responsible for the Credit Management of the CV3MPC in which responsibilities include:
  2. Process, evaluate, and act upon loan applications except when the applicant is a member of the Committee, in which case, the application shall be acted upon by the Board of Directors; and
  3. Exercise general supervision over all loans to members.


Section 13. Other Committees. By a majority vote of all its members, the Board of Directors may form such other committees as may be deemed necessary for the operation of the Cooperative.


Officers and Management Staff

of the Cooperative


Section 1. Officers and their Duties. The officers of the cooperative shall include the Members of the Board of Directors, Members of the Different Committees created by the General Assembly, General Manager or Chief Executive Officer, Secretary, Treasurer and members holding other positions as may be provided for in this By-laws, shall serve according to the functions and responsibilities of their respective offices as follows:

a. Chairperson The Chairperson shall:

i.    Set the agenda for board meetings in coordination with the other members of the BOD;

ii.    Preside over all meetings of the Board of Directors and of the general assembly;

iii.    Sign contracts, agreements, certificates and other documents on behalf of the cooperative as authorized by the Board of Directors or by the GA;

iv.    Issue Certificate of Non-Affiliation with the Federation or Union; and

v.    Perform such other functions as may be authorized by the BOD or by the GA.

b. Vice-Chairperson – the Vice-Chairperson shall:

i.    Perform all the duties and responsibilities of the Chairperson in the absence of the latter;

ii.    Act as Ex-Officio Chairperson of the Education and Training Committee; and

iii.    Perform such other duties as may be delegated by the board of directors.

c. Treasurer – The Treasurer shall:

i.   Ensure that all cash collections are deposited in accordance with the policies set by the BOD;

ii. Have custody of all funds, securities, and documentations relating to all assets, liabilities, income and expenditures;

iii. Monitor and review the financial management operations of the cooperative, subject to such limitations and control as may be prescribed by BOD;

iv. Maintain full and complete records of cash transactions;

iv.        Maintain a Petty Cash Fund and Daily Cash Position Report; and Retentions from the proceeds of services acquired /goods procured by members; and

  1. Other sources of funds as may be authorized by law.

Section 2. Continuous Capital Build-Up. Every member shall have invested in any or all of the following:

  1. At least One Hundred Pesos (P100)per month;
  2. At least five percent (05%) of his/her annual interest on capital and patronage refund; and
  3. At least five percent (05%) of each good procured /service acquired from the cooperative.


Section 3. Borrowing. The Board of Directors, upon approval of the General Assembly, may borrow funds from any source, local or foreign, under such terms and conditions that best serve the interest of the Cooperative.


Section 4. Revolving Capital. To strengthen the capital structure of the Cooperative, the General Assembly may authorize the Board of Directors to raise a revolving capital by deferring the payment of patronage refunds and interest on share capital, or such other schemes as may be legally adopted. To implement this provision, the Board of Directors shall issue a Revolving Capital Certificate with serial number, name, rate of interest, date of retirement and such other privileges or restrictions as may be deemed just and equitable.


Section 5. Retentions. The General Assembly may authorize the Board of Directors to raise additional capital by deducting a certain percent on a per unit basis from the proceeds of services acquired and/or goods procured by members.


Section 6. Share Capital Contribution. Share Capital Contribution refers to the value of capital subscribed and paid for by a member in accordance with its Articles of Cooperation.


Section 7. Share Capital Certificate. The Board of Directors shall issue a Share Capital Certificate only to a member who has fully paid his/her subscription. The Certificate shall be serially numbered and contain the share holder’s name, the number of shares owned, the par value, and duly signed by the Chairperson and the Secretary, and bearing the official seal of the cooperative. All certificates issued and/or transferred shall be registered in the cooperative’s Share and Transfer Book.

The number of paid share required for the issuance of Share Capital Certificate shall be determined by the Board of Directors.


The shares may be purchased, owned or held only by persons who are eligible for membership. Subject to existing government rules or laws, interests shall be paid only to paid-up shares which may be in cash; or credited as payment of unpaid subscriptions, outstanding accounts, or additional shares or to the revolving fund of the cooperative.


Section 8. Transfer of Shares. The Cooperative shall have the first option to buy any share offered for sale. The amount to be paid for such shares shall be the par value provided that:

  1. He has held such shares or interests for not less than one (1) year;

Section 1. AllocationAt the end of its fiscal year, the Cooperative shall allocate and distribute its net surplus as follows:

a. Reserve Fund. Ten percent (10%)shall be set aside for Reserve Fund subject to the following rules, provided, that in the first five (5) years of operation after registration, this amount shall not be less than fifty per centum (50%) of the net surplus:

  1. The reserve fund shall be used for the stability of the Cooperative and to meet net losses in its operations. The general assembly may decrease the amount allocated to the reserve fund when it has already exceeded the authorized share capital. Any sum recovered on items previously charged to the reserve fund shall be credited to such fund.

ii. The reserve fund shall not be utilized for investment, other than those allowed in the Cooperative Code. Such sum of the reserve fund in excess of the authorized share capital may be used at any time for any project that would expand the operations of the cooperative upon the resolution of the general assembly.

iii. Upon the dissolution of the cooperative, the reserve fund shall not be distributed among the members. However, the general assembly may resolve:

  1. To establish usufructuary fund for the benefit of any federation or union to which the cooperative is affiliated; or
  2. To donate, contribute or otherwise dispose of the amount for the benefit of the community where the cooperative operates. If the member could not decide on the disposition of the reserve fund, the same shall be given to the federation or union to which the cooperative is affiliated.


b. Education and Training Fund. Five percent (5%) shall be set aside for Education and Training Fund.

i.        Half of the amount allocated to the education and training fund annually under this subsection may be spent by the cooperative for education and training purposes; while the other half may be remitted to a union or federation chosen by the cooperative or of which it is a member.

ii.        Upon the dissolution of the cooperative, the unexpended balance of the education and training fund pertaining to the cooperative shall be credited to the cooperative education and training fund of the chosen union or federation.


c. Community Development Fund. Three percent (3%) shall be used for projects and activities that will benefit the community where the cooperative operates.

d. Optional Fund. Seven percent (7%)shall be set aside for Optional Fund for land and building, and any other necessary fund.

Section 2. Interest on Share Capital and Patronage Refund. The remaining net surplus shall be made available to the members in the form of interest on share capital not to exceed the normal rate of return on investment and patronage refunds. Provided, that any amount remaining after the allowable interest and the patronage refund have been deducted shall be credited to the reserved to the reserve fund. The sum allocated for patronage refund shall be made available at the same


Names Signature
Flaviano Alvarez
Aida Manalastas
Elena Grace G. Flores
Epitacia Alvarez
Jose Rosales
Eduardo Launio, Sr.
Lilian Masilungan
Esperanza Cifra
Jose E. Magajes, Jr.
Josefina S. Ocampo
Yolanda Manalo
Liza Sto. Tomas
Kanya Gladys May Thaworn Luardo
Nicanor Layola
Mark Bruan Cifra
Rodel Corton
Sithikohn Flores Thaworn
Vicenta Cruz
Patrick Rivera
Carmelo Alexandro Malonjao


We, constituting the majority of the Board of Directors of the Casimiro Village Phase 3 Multipurpose Cooperative do hereby certify that the foregoing instrument is the Code of By-laws of this Cooperative.

Signed this 5th day of September, 2014, in Las Pinas City, Philippines.


Jose Rosales                                     Esperanza Cifra
Chairperson                                     Vice Chairperson


Eduardo Launio, Sr.                     Jose Magajes Jr.
Director                                             Director

Lilian Masilungan
Director-Board Secretary