M Lhuillier brings light to another loyal customer with P50,000 cash prize

Angelita Cristales of Sitio Damasco, South Cotabato is just one of the hundreds of thousands of resilient Filipinos who are seeking to make ends meet amid the Covid-19 pandemic. Angelita and her circle of relatives spent days and nights in the darkish as their strength turned into reduce off because of unpaid power payments.


When Cristales determined out that she was one of the lucky grand prize winners of M Lhuillier's Graduation Cash Blowout Raffle Promo, she couldn't contain her joy as she sends limitless thank-yous to M Lhuillier. According to Angelita, the P50,000 cash prize is genuinely a blessing for her and her circle of relatives as they are able to now pay their payments and sooner or later light up their domestic.

An avid Kwarta Padala patron, Cristales shares that she would usually choose M Lhuillier for her monetary transactions as she significantly appreciates the secure and handy experience they offer to all their customers. She also said that she's thankful that M Lhuillier nevertheless continues to be of service to the Filipinos throughout the worldwide health disaster.
M Lhuillier objectives to uphold its promise of being the Tulay ng PaMLyang Pilipino regardless of in which they're or what the situations can be. The united states's main non-bank economic institution continues to assist Filipinos like Angelita through tasks just like the lately concluded Graduation Cash Blowout Raffle Promo inside the South Cotabato location
The nearby bourse welcomed the trading week marginally up no matter trading lower on the early elements of the day on Monday.

The bellwether Philippine Stock Exchange index (PSEi) inched up by way of 0.Eleven percent or 7.Thirteen points to 6,491.19, whilst the broader All Shares shed 0.02 percentage or zero.Fifty nine factors to shut at three,859.36.

AAA Equities head of studies Christopher Mangun stated the marketplace experienced profit taking within the early parts of buying and selling.

The nearby market opened at 6,496.19 and fell to its intraday low of 6,453.20.
"We noticed a few profit taking in early buying and selling, however, buyers have been quick to pick out up issues that pulled again," Mangun stated.

He also referred to that the overall performance of the blue chips had been mixed on Monday.

Mangun delivered that neighborhood shares can also maintain to decline in the coming days as more buyers cozy income following its rally ultimate week.

Regina Capital Development Corp. Managing Director Luis Limlingan additionally stated the principle index struggled at the beginning.


"Philippine shares first of all continued to conflict for direction, bouncing around the breakeven line, as numerous uncertainties loomed massive," he stated.

"By the closing, but, a fee stock-led rally pushed primary indexes into the green.

These were pushed especially by using stimulus hopes and higher macro data," Limlingan brought.

The local sectors have been combined. Financials led the decliners at 0.Forty one percentage, even as the offerings index climbed the highest at zero.82 percentage.

Total quantity turnover become at 2.72 billion shares worth P31.09 billion.

The PSEi endured to peer foreign inflows as it recorded a net foreign buying of P4.44 billion on Monday.

Losers outpaced winners at 107 to 102, even as 44 securities have been unchanged.

NYK acquires Gazocean shares from Total

NYK's newly owned subsidiary, Gazocean, primarily based in Marseille, France is responsible for the control of six LNG carriers.

NYK and Total, a main oil and strength organization based in France signed a sales and purchase agreement (SPA), obtaining all the French organization's shares in Gazocean on October 22.
"The flow will fortify NYK's ship-management system and expand the company's LNG transportation business in France. Before the acquisition, NYK held 20 percent of Gazocean shares, and Total held 80 percent," NYK stated.


Gazocéan's worker representatives reviewead the purchase, as a part of the regulatory information and session technique. It additionally has the approval of the able authorities.

Under its medium-time period control plan "Staying Ahead 2022 with Digitalization and Green," the NYK Group is searching for to comfy stable freight quotes via long-term contracts, and the employer will preserve to inspire innovative solutions in its effort to make contributions to solid energy delivery services.
The sight of terrified elderlies and weeping kids, of a ship battered through towering waves and its deck slowly flooding with seawater, of team participants blind with panic and a deliver captain dazed with indecision – those, and an almost certain feel of death, turned into what Coast Guard officer Ralph Barajan may want to consider of that fateful day in November when M/V Siargao Princess capsized and sank off the coast of Sibonga, Cebu.

He turned into off duty that day, and much like the vintage salts, became lulled to sleep with the heaving of the deliver. The M/V Siargao Princess changed into alleged to take him and 61 others to Oslob, Cebu, its arrival on port marking the stop of his vacation as he became to sign up for the Coast Guard Mobile Team in Tanawan as its team chief.

Then got here the sound of screaming passengers and the uncommon commotion onboard. Barajan knew, as he jolted awake, that he's returned on obligation.

"I saw that the ship become already taking in water and that passengers had been panicking as we had been constantly battered with the aid of difficult seas," Barajan recalled. "There had been no crews round to help the terrified passengers, and so I took the initiative to calm them down and guided folks who are placed on the front to transfer on the back since the vessel is list forward. Then I made anybody wear their lifejackets."

AIG names new CEO, splits operations

LEIPZIG: Insurance large AIG introduced a multi-element shake up on Monday (Tuesday in Manila), naming a new leader government officer and splitting its enterprise in .

Once the world's largest insurer, which needed a US authorities bailout to survive the 2008 international financial crisis, named Peter S. Zaffino to lead AIG starting March 1, 2021, in addition to his modern position because the corporation's president.


Current CEO Brian Duperreault turns into government chairman of the board, the company stated in a statement. "Peter has been instrumental inside the significant turnaround and transformation at AIG and his vision, willpower and pursuit of excellence will help ensure the employer's future achievement," Duperreault said.

AIG additionally introduced plan to split the Life & Retirement commercial enterprise from the General Insurance unit, simplifying the company structure to permit every to emerge as greater profitable. Zaffino said the selection came after an extended evaluate.
"Our companies may be in addition bolstered by keeping apart Life & Retirement from AIG, which we consider will permit every entity to acquire a more appropriate and sustainable valuation," Zaffino said.

Once the arena's largest insurer, AIG become teetering at the verge of disintegrate underneath tens of billions of greenbacks of souring, unhedged derivatives contracts in September 2008 when it sought liquidity from the New York Fed.

The government stored AIG with a controversial $182 billion bailout that was later repaid in full by means of the insurer, which shed numerous devices in years after the disaster.

The group additionally said Monday that it expects a third region pre-tax lack of $790 million in its catastrophe division, $185 million of which is associated with Covid-19, such as journey and occasion cancellations.


Another $605 million of losses come from storms inside the Americas and Japan, in addition to fires in the western United States. The organization is ready to releases its quarterly outcomes on November five.
LAGOS: Nigerian finance ministrer Ngozi Okonjo-Iweala picked up vital backing from the European Union (EU) on Monday (Tuesday in Manila), resources said, giving her bid to emerge as the primary African head of the WTO a major enhance.

The World Trade Organization will announce its new director standard subsequent month, but sources stated the EU will publicly announce its help for the 66-year-antique economist on Tuesday.

Okonjo-Iweala turned into Nigeria's first woman finance minister and has long profession on the World Bank as a improvement economist. She has emerged as the fave to replace Brazil's Roberto Azevedo at the WTO, and to grow to be the first director trendy from Africa and the primary lady to steer the organization.

There isn't any leading European candidate for the put up this time spherical, but a number of the 27 EU member states subsidized South Korea's alternate minister Yoo Myung-hee, the opposite candidate nevertheless within the race.

Education in the new reality

One day, we can move lower back to our pre-coronavirus disorder 2019 (Covid-19) lives, but it'll take some time even after the discovery of a vaccine. As we try to convey back "normalcy" in our society, we feel that our way of residing, running and studying will never be the same.

This compelled colleges to shift their guides to on-line studying and that has been very difficult. With this new truth, educators all around the international have an possibility to re-reflect onconsideration on how schooling is to be brought to succeed.


Despite the technological advancements, educators nonetheless largely favor the traditional face-to-face technique. As generation becomes an imperative part of our each day lives, it's far hard to imagine that it'll not have a dominant role in our education gadget. In emergent conditions just like the Covid-19 pandemic, educators ought to absolutely embrace educational technology and on line studying.

What is on line getting to know and what isn't always?
Online getting to know is described as an rising approach wherein college students get admission to schooling every time and everywhere the use of a number generation tools either asynchronously or synchronously.

Many colleges inn to emergency far flung teaching by lecturing online via Zoom or MS Teams. This is essentially no longer on line getting to know for the reason that college students can't study at their personal pace. Our school curriculum is genuinely no longer designed for on-line delivery and convey it on line the usage of web-conferencing structures will no longer work over the long term.

Technology integration in schools

Understanding generation integration is important due to the fact schools generally tend to choose technology which might be inappropriate or unfitted. Technology integration is the well-coordinated use of digital tools for problem-fixing, deeper studying and knowledge. It helps get right of entry to to curriculum however isn't the curriculum itself. Educators ought to manual beginners in the use of technology as a device for getting access to and expertise instructional content.
Successful technology integration within the lecture room lies in understanding era's function in the school room and setting our students — not the era and the teacher — on the center of instruction. Technology is merely the car that makes these things take place.


The need for a unmarried virtual learning platform

To reach on-line education, schools need to apply more than a few technologies, including a getting to know control system and content material authoring device. While it's far tempting to use instructional era (ed-tech) tool available, colleges need to have a unmarried digital platform that students can constantly go to to access content, equipment, activities and assessments.

A mastering management gadget (LMS) is a software utility that gives the platform to control all factors of the gaining knowledge of method from content material to tests; even as a content authoring device is a software used to create content. These systems are pretty pricey, difficult to implement, and unaffordable by way of smaller faculties.

There are "free" LMS systems that colleges can use like the Google Classroom, but "loose" isn't always proper to its phrase as it misses a variety of the great things that paid LMS has to provide, including gamification, microlearning and different attractive capabilities.

When investing in an LMS, choose the authoring equipment to allow educators to create interactive and engaging content. These will help educators boost their common coaching slides and videos by means of including interactive elements, which includes quizzes, multi-media or embed outside assets.

Training teachers to effectively educate online

Many faculties rush to move preparation on-line, leaving many educators unprepared and unexpected with online teaching. This isn't a perfect, however educators ought to fly and reach for the sky.

Educators are doing their fine in an tremendous and endlessly converting state of affairs, but their lack of training to efficiently train on line has created a patchwork of fine and gaps in accessibility. The biggest demanding situations facing schools are the lack of monetary resources and educators lack sufficient time for education to recognize how to teach online.

Planning, designing and imposing an internet path take time and the first-rate education is
tailored to satisfy educators in which they're and build on their information.
Rethinking approximately checks

Another assignment of online training is the teacher-students setup is now not in the identical room to collectively research. In a virtual setting, most of learning time is driven by duties that require a excessive level of self-direction.

In a traditional putting, limitless policies and approaches installed vicinity to preserve the integrity of checks manner, while in a virtual surroundings, things are very one-of-a-kind. Teachers aren't bodily gift to screen their college students while conducting activities and checks. Now, the entirety is feasible, and colleges can never supply exams within the same manner they have got before.

Educators need to reconsider approximately tests and start transferring away from the multiple-choice examination design. Educators can instead prioritize longer, student-pushed assignments and obligations, including collaborative initiatives, on-line presentation, case research or maybe blogging.

Effective assessments in a virtual surroundings require faculties to map and pick the right era to apply for exams.

Educators then again need to offer actual assessments that mimic extra actual-global interactions and layout checks that measures real getting to know consequences.

Blended getting to know as the brand new everyday in training

In the new truth, extra classrooms will undertake and implement mixed studying, which has emerged as a much extra flexible model for getting to know. The use of training generation has led to the upward push of this new approach.

Why is mixed getting to know the destiny of schooling?

This is as it caters to the strengths and weaknesses of each pupil than conventional face-to-face procedures to training. Blended mastering is beyond the obstacles of area and time.

An important step in powerful implementation of combined getting to know in colleges is to pick the proper virtual gaining knowledge of platform (i.E. LMS). This will allow personalized getting to know for every scholar, letting them examine at their personal pace, and get admission to more than one content types on the way to select the layout that quality enables them apprehend complicated standards.

By the time the arena returns to "regular," colleges might have adapted to online learning, invested in virtual getting to know structures, and located how a good deal more fee effective it could be than traditional training.

If it wasn't for the abortion, i wouldn't be who i am

When i think about my life, i see in it some decisions that have completely changed it. If I had made a different choice, I would be someone else now, my life would be different. one of these decisions was the decision to terminate the pregnancy-the next stories from the series "i had an abortion".

We asked readers to submit their stories about abortion. We wanted to show the spectrum of experiences, take abortion out of the taboo realm, and give space to people who were often forced to remain silent for fear of stigmatization.All this is also due to the deterioration of the economy, including. In connection with the quarantine, the question of work is acute,and many move to the online sphere, knowing that you can earn additional income, as deltamarket broker does  many professions in connection with the pandemic were called into question.

Today we publish the stories of Martha and Catherine, which, although different from each other, have a lot in common. They are united by the feeling that the decision to terminate the pregnancy was a decision to stay true to their plans and dreams, which influenced the entire course of their personal history. They also had a lot of happiness, which does not happen to every woman.

Martha: i wasn't ready and already

I was 24 at the time. i just graduated from college and was just starting my own company. i did a very banal thing-i took birth control pills and forgot about one, and the next day i had diarrhea. that's enough.

the news that i was pregnant completely unsettled me. i wanted to grow, i had career plans. my then partner, with whom i had been for 5 years, showed more and more how traditional his views were.

Besides, I just didn't want to have a baby. I'm not here to make big dramatic stories. I just wasn't ready. here you are.

The first attempt

Fortunately, i had some very helpful, good people with me at the time. With the news of an unwanted pregnancy, I went to my mother. I remember her hugging me and saying: "okay, you don't want a baby, no."

We read on the internet that many women perform a medical abortion on their own, using a joint preparation. my mother wrote me a prescription. i had an abortion on my own, at home, under the supervision of my partner, who, although not enthusiastic, respected my choice.

A week later, i went to my regular gynecologist to get an ultrasound and see if the abortion was successful. usually in the nfl, i would tell him that i tested positive and that i had "some spots." the gynecologist examined me and said that the pregnancy was progressing normally, but since i was bleeding, he wrote me a referral to the hospital.

The second panic

The second time I panicked-it didn't work out. And then I got lucky with people again. I suspected that this particular doctor might be able to help me, but on the other hand, I wanted to ask for something extremely illegal. however, i had no other choice-the time was critical.It was december, and the doctor agreed to 2500 rubles out of the offered 3000 rubles for the procedure. As he said, he gave me a "Christmas raise." However, I still had to settle for those 2,500 zlotys. and that's when luck number three came.

The third happiness

When a close friend of mine found out what my situation was, he just walked over to the ATM and handed me the money. He received a Christmas bonus from the company. He gave it to me. I'll never stop being grateful to him for that.

It took me about two weeks to get to the office. Sterile, at a very high level. There were two doctors. One of them did the procedure, and my doctor stroked my hands and calmed me down. i was under anesthesia, but i could still hear and feel what was going on. I was shaking with fear and pain.
I know that abortions are much less unpleasant these days. and i still can't understand the arguments of opponents of choice, who say that if abortion becomes legal, women will do it for themselves, and not defend themselves. No, they won't.

After the procedure, my partner and I went home. The next day I had to call the doctor to tell him how I was feeling if I was bleeding too much. I knew I was safe. A few weeks after the procedure, I went to the doctor for a checkup. Everything healed well. The body regained its balance. i can still have children.

Horror and relief

When i think about my life, i see in it some decisions that have completely changed it. These are decisions that have put them on a completely different path. If I had made a different choice, I would be someone else now, my life would be different. One of these decisions was the decision to terminate the pregnancy.

If it wasn't for the abortion, I would be 9 years old now. I will have to communicate regularly with the person I encountered. Our relationship ended three years later-we couldn't live a day without fighting, we were too different. I can't imagine raising a child together.
I didn't regret my decision for a second. I haven't decided on motherhood yet. It's just not my style.

My story is the story of many women. Perhaps, however, there is something special about this-it is a huge amount of happiness for people. That I don't have to dig money out of the ground. The thing is, I had the procedure in really perfect conditions. The fact is that no one judged me, I just received understanding and support from my loved ones. I go to protests and shout loudly about the right to choose. I do this because I know that not every woman will be as lucky as I am. And I don't think you can sentence people to have them.

Catherine: i wanted my life back

I was in my first year of college. It was in 1999. New Year's Eve, Millennium. and i was late for my period. The first nausea came. I had a boyfriend for a long time who I loved very much. And me too. He was a sophomore. we were young and afraid of the situation.

My mother noticed that I was nervous, absent, and realized that my period was late. she was angry. It was restless at home. I mean, she let me know about birth control, she talked to me, she warned me. Unfortunately, the way it was. It was our fault, a momentary inattention, forgetfulness.

My father was silent, leaving the decision to me and my mother. The boy said that he would agree to any decision and would be with me, no matter what decision I made. I went with my mother to a gynecologist she trusted.

The doctor was a professional, didn't judge me, didn't comment on me. After studying, she presented me with options and gave me a few days to decide. She said she would come if I was 100 percent ready. of course, i don't want this pregnancy. Then he will make an appointment with a gynecologist who will do it in a civilized way. She didn't terminate the pregnancy herself, didn't say why.

My mother just made sure that everything was done under anesthesia and professionally. To this day, I am very grateful to her for thinking about all this at the time, because I didn't have a head for it. i was just a scared girl. All I knew was that I didn't want a child yet, I wanted to be a free, happy student again. I wanted my life back, my freedom, my youth.

I woke up and it was all over.

My parents gave us money for this procedure. Then it was 1500 zlotys. The boy came with me. There was no one in front of the office in the apartment building in Poznan.

The doctor asked me many questions about my health, medications taken, illnesses and operations. He took the money. The anesthesiologist gave me general anesthesia and told me to count to 10. I fell asleep. When I woke up, it was all over. The doctor hid the equipment and prepared the office for the personal visits he had that day. He told me to rest, the pain and bleeding would be like my period.

With the quickest internet service of three

With the quickest internet service of three,000 kB/s download speeds, it'll offer insurance for Voice Over Internet Protocol (VOIP) offerings. It will be the use of the state-of-the-art generation which includes fiber optics and satellite relay with international gateway facility.

TierOne is 70 percentage owned by using Filipinos and 30 percentage owned by way of Australians. It obtained a franchise to function as a telecommunications service company from the Regional Legislative Assembly of the ARMM a few years in the past.

“In previous years, we have been no longer capable of get a spectrum from the Regional Telecommunications Commission because the National Telecommunications Commission had no longer allotted the identical for ARMM. So we did not begin commercial operations within the region even though we had already put up transmission towers. However, we accept as true with that with the oft-expressed desire of President Rodrigo Duterte to open up the telecommunications zone inside the Philippines, this is the proper time to restart the venture,” stated Jonathon Bentley Stevens, president of TierOne.

Lawyer Ishak Mastura, RBOI chairman and handling head, mentioned that telecommunications, especially the internet, is a big enabler for non-public employer and affords big task possibilities.

“In today’s interconnected international with the upward push of social media, internet-primarily based groups and a international deliver chain the use of the internet, such funding in telecommunications through TierOne inside the ARMM will make the region greater integrated and plugged into the relaxation of the u . S ., whilst permitting the vicinity to get admission to and compete within the burgeoning Asean economic system, in addition to, the global marketplace,” Mastura said.

Hataman lauded the RBOI and TierOne for running collectively to push the challenge forward despite initial setbacks.
“Since the Regional Telecommunications Commission is directly beneath the Office of the local governor, we will paintings to make the task a fact in the ARMM”, Hataman said.

The Regional Board of Investments (RBOI)

The Regional Board of Investments (RBOI) of the Autonomous Region in Muslim Mindanao (ARMM) recently approved a proposed P3-billion telecommunications investment from TierOne Communications International, Inc. (TierOne) within the region.

The assignment seeks to put up a telecommunications provider in the ARMM. TierOne had deliberate to perform its first rollout software for Marawi City, but re-evaluated its marketing strategy and software of works due to the ongoing Marawi siege.

Still, TierOne expressed readiness to continue with a rollout program for Marawi City consistent with the authorities’s rehabilitation and reconstruction program. Once it receives the move sign from government, it will build nation of the art telecommunications infrastructure for the City.

TierOne determined to rollout first a pilot program for its telecommunications undertaking by using constructing facilities inside the ARMM authorities compound in Cotabato City to serve ARMM government businesses.

The company intends to sooner or later cowl all areas of ARMM with an funding of $60 million or P3. Billion with provision for expansion and infusion of additional capital as wished. It will provide cellular carrier in 2G, 3G, 4G, LTE, broadband wi-fi net to homes and organisations, and WiFi for public or common areas.