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Archive for 2012





Cyber Threats
Read 282 times | Posted on December 30, 2012 @ 4 years ago

AS the times and the technology become more complex and sophisticated, so do the crimes.

There have been alarming reports of the emergence (and the growing number) of cyber threats to the financial services industry.

According to a 2012 study by Norton, a leading security software company, the number of attacks worldwide have gone up by 42 percent while the cost of global cyber crime has reached US$110 billion annually.

“(The) new generation of viruses, worms, Trojans, and spyware has the potential to escalate the amount being stolen from accounts without a hacker’s supervision,” the study revealed.

This information is especially important because as of September 30, 2012, 51 banks in the country have proprietary Internet and mobile banking systems, while 36 banks have subscribed to Bancnet Online to provide Internet services or “act as another gateway.”

The total number of ATMS and point of sale (POS) terminals deployed has reached 13,109 and 89,253, respectively. According to the Bangko Sentral ng Pilipinas, cardholders now number about 46.7 million.

Last September 17, 2012, the Financial Services Information Sharing and Analysis Center (FS-ISAC) issued a warning to US financial institutions about cyber criminals “using tools such as phishing and spam emails in an effort to hack financial networks and drain online accounts via unauthorized wire transfers.”

Just last December 7, 2012, leading global business news and information organization The Financial Times reported that hackers have stolen more than 36 million euros from more than 30,000 online banking customers in Germany, Italy, Spain and the Netherlands “using a new two-stage Trojan virus.”

In addition to these, information technology (IT) experts from Trend Micro, Inc., a Japan-based security company, have observed that cyber criminals are moving to the Asia Pacific because 46 percent of internet traffic emanates from this region.

The Asia Pacific region, according to Trend Micro, registers 2.9 billion mobile subscribers.

This observation was further supported by Russian internet security firm Kaspersky Labs, which predicted that Southeast Asia “will be one of the most vulnerable regions in the world to cyber attacks, with criminals taking advantage of rising incomes and growing online banking activities in countries like the Philippines.”

Cyber threats have also become politically motivated.

Throughout September and October, 2012, a number of big banks in the United States suffered distributed denial of service (DDOS) attacks on their websites. A radical Muslim group protesting the production of a short film mocking the Prophet Mohammad claimed responsibility for the attacks.

Philippine government websites also suffered defacements from hacktivists (hacker-activists) who wanted to “shout” their opinions on the Scarborough Shoal and the controversial Anti-Cyber Crime Law.

The BSP, for its part, has plans to coordinate with banking industry associations and IT security experts to tackle the seriousness of these cyber threats and the necessity for effective business continuity plans.

There is indeed a need to be especially vigilant in light of all these threats. Awareness is key to successfully combat this modern global menace.

* * *

My book, Central Banking for Every Juan and Maria is now available at Fully Booked, Bonifacio High Street, Bonifacio Global City. To reserve your copy, please contact 858-7000 or 858-7036.

You may e-mail us at [email protected]



Picture of Peace
Read 239 times | Posted on December 30, 2012 @ 4 years ago

THINK a minute…

A king was offering a prize to the artist who could paint the best picture of peace. Many artists from around the country tried. The king looked at all the pictures and there were only two he really liked. But he had to choose between them.

One picture was of a calm lake. The lake was surrounded with peaceful, towering mountains. Above them, was a blue sky with fluffy white clouds. Everyone who saw this picture thought that it was a perfect picture of peace.

The other picture had mountains too. But these were rugged and bare. Above was a dark, angry sky and heavy rain with flashes of lightning. Down the side of the mountain roared a huge, powerful waterfall. It did not look peaceful at all.

But when the king looked closely at the second picture, he saw behind the waterfall a tiny bush growing in the crack of the rock. A mother bird had built her nest in the bush. There, in the middle of all the noise of rushing water and scary, thundering skies, that mother bird sat—in perfect peace.

Which picture do you think won the prize? The king chose the second picture because He said: “Peace does not mean you must be in a place where there is no noise, trouble, pain, or pressure from work. The real meaning of peace is to be right in the middle of all those difficult experiences, and still be calm and confident in your heart.”

It doesn’t matter what difficult situation you’re in right now. Jesus, the Christ of Christmas and Prince of Peace, loves you. And this Christmas season, even with everything you may be going through, you also can have peace in your heart. If you’ll ask Jesus, God the Son, to forgive you for all your wrongs, and then ask Him to take full control of every area of your life, every day. He will fill your heart with His power and peace that you can never find anywhere else.

Just think a minute…



Lord of history
Read 200 times | Posted on December 30, 2012 @ 4 years ago

WE need to realize that there is such a person as the Lord of history.

He is the one who orchestrates all the events of the world in the whole length of time since he is the world’s Creator who cannot abandon his creation. Rather he continues to govern it, since he created it for a purpose.

This Lord of history is God who revealed himself to us completely in his Son who became man, Jesus Christ, and who continues to be with us in the Holy Spirit through the Church and through the many instrumentalities—doctrine, sacraments, hierarchy—that Christ himself put up to keep his presence and action abiding in us throughout time.

We need to understand that history is not just a product of blind forces nor of chance. It is a manifestation of divine providence that has to contend with our human freedom that can turn things in any which way. We need to understand that history is not just a series of events that we record, with more or less some logic thrown in to make it acquire some meaning. It is a history of salvation planned by God from all eternity, given birth in time, and developed toward its proper end through the twists and turns of human freedom. It is a history whose vital action takes place first of all and always in the hearts of men as they relate themselves to God or not, before it produces repercussions in the other aspects of human life: professional, social, economic, political, cultural, etc.

So our history is a joint venture between God and us, with us always asked to participate as actively and as freely as possible in the plan of God. God is responsible for our history. He is always in control, knowing what to do in any situation. But we too are responsible. That’s the reason why we need to try our best to get in touch with God always. Every move that we make should be planned and executed always with God. And every incident that comes our way, good or bad, should be viewed always with God also.

That is why it is the saints, from the time of the apostles up to now, more than the political or social leaders and heroes, who have effectively illuminated history. That is why the Church survives in spite of the many grave and serious crises it faced through time.

The saints, ever faithful to God’s will and docile to his abiding promptings, and even if their efforts were mostly hidden and hardly recognized, have been the ones who have outlived big empires and powerful ideologies. Their contribution went beyond what simply are temporal and worldly. They linked world events to their supernatural end.

Like Christ, they did their part always passing through the way of the Cross. That’s how their resurrection, their victory was also assured. That is why, for the world today to successfully face the most subtle and deadly challenges it faces, it needs real saints who are faithful to God and not afraid to carry the Cross. In today’s world situation, what is needed are saints who know how to grapple with the sophistries of the times not so much by the eloquence of the words as by the abiding testimony of their saintly lives that highlight the spiritual and supernatural realities. As St. Paul put it: “My speech and my message were not in plausible words of wisdom, but in demonstration of the Spirit and of power, that your faith might not rest in the wisdom of men but in the power of God.” (1 Cor 2,4) This does not mean that we don’t study the doctrine of our faith, but we need to see to it that such study truly redounds to a palpable sanctity that is always accompanied by the zeal to do apostolate, the best sign of Christian love one can have toward others. It is in this way that we can expose the lie behind the deceptive sophistries of our times like relativism, rationalism, atheism, agnosticism, materialism, exaggerated forms of spiritualism that downgrade the objective value of the material world, etc.

These are what ail the modern world, an ailment that is not anymore considered as such, but rather the opposite, as a kind of liberation, enlightenment and the like. One is truly sick when he insanely considers his illness as his health and power. The Lord of history is doing his part, and provides us with everything we need. It’s us who need to correspond.



Toyota reaches $1.1B deal with US owners over recalls
Read 207 times | Posted on December 30, 2012 @ 4 years ago

CHICAGO — Toyota has agreed to pay about $1.1 billion to settle a class action lawsuit launched by US vehicle owners affected by a series of mass recalls, the Japanese automaker said Wednesday.

The deal will cover the cost of installing a free brake override system in millions of vehicles affected by the recalls and cash payments to those who sold their vehicles or decline the brake override.

Once lauded for its safety standards, Toyota has been forced into damage control mode in recent years after recalling millions of vehicles over defects.

Earlier this year it added two models to a controversial 2009 recall launched after floor mats became trapped under the accelerator, which was linked to accidents that allegedly caused dozens of deaths.

Toyota’s mishandling of the initial problem and other reports of sudden, unintended acceleration led to the recall of more than 12 million vehicles worldwide, a US congressional probe, more than $50 million in fines from US regulators and public apologies by its chief.

Toyota has since worked hard to regain its reputation for safety, while at the same time fighting off the impact of the economic crisis, a strong yen and the devastating 2011 quake-tsunami disaster.

The settlement helps Toyota avoid a lengthy and risky court battle with angry owners who argued that Toyota’s technology — not the trapped floormats — were behind the deadly instances of sudden, unintended acceleration.

“This was a difficult decision — especially since reliable scientific evidence and multiple independent evaluations have confirmed the safety of Toyota’s electronic throttle control systems,” Christopher Reynolds, Toyota Motor North America’s chief legal officer, said in a statement.

“However, we concluded that turning the page on this legacy legal issue through the positive steps we are taking is in the best interests of the company, our employees, our dealers and, most of all, our customers.”



Pacquiao-Marquez part 5 posible sa 2012-Arum
Read 198 times | Posted on December 30, 2012 @ 4 years ago

TALIWALA sa mga batikos, gisiguro karon ni Top Rank Promotions CEO Bob Arum nga mahitabo ang installment number 5 sa Manny Pacquiao-Juan Manuel Marquez fight.

Matod kang Arum, oras nga mobalik si Pacquiao gikan sa iyang bakasyon sa Israel, hisgotan nila ang nasampit nga away.

“Manny is vacationing in Israel, but when he gets back… “We’re gonna, I think, do another fight with Juan Manuel Marquez. That was a great fight,” sulti ni Arum.

Kahibaloan, mitala sa round 6 knockout si Marquez human mapahagba sa solidong kinumo si Pacquiao nga nagresulta sa pagka-knock-out niini.



Ryza Cenon gibaniog nga tomboy
Read 252 times | Posted on December 30, 2012 @ 4 years ago

DILI na kuno tugbangan pa ni Ryza Cenon ang mga tsismis nga nagkanayong usa siya ka tomboy.

Say pa ni Ryza, kinahanglang mohatag og pruweba ang mga nagsulti nga mipatol siya sa susamang babaye aron mahimong kamatuoran ang isyu.

“Paano naman ako magiging tomboy eh, babaeng-babae ako noh! Magbigay na lang sila ng pruweba na pumatol ako sa kapwa ko babae, para maging makatotohanan ‘yung sinasabi nila,” sulti ni Ryza.

Nagtuo si Ryza nga dili lamang kini ang posibleng madawat nga pagpangdaut kaniya sa mosunod nga tuig.

“Ano pa ba? Lahat yata na issue na nila sa akin,” maisugong butyag sa aktres.



Why people shun the local opposition?
Read 217 times | Posted on December 30, 2012 @ 4 years ago

TONIGHT will unfold another year as the New Year’s Eve ushers another chapter of our lives. The year 2012 may leave unforgettable memories. However, the year that was may have also witnessed triumph and success to those who persevere and endure.

Cagayan de Oro celebrates the anniversary of typhoon ‘Sendong’ as a triumphed of public service. The city has set an unprecedented record of relocating victims of the tragedy by providing them free house and lots. Notwithstanding, the political opposition disagreed with what the city has attained. It seems that ‘appreciation’ is not part of the opposition’s political dictionary.

We often asked question on whether the political opposition has attained anything that would have eased wounded feelings of those who suffered misfortune in their lives. What has the opposition attained amid the trials that victims of tragedy underwent? It is lamentable that usually people who do nothing are those who mocked the good things that others attained. Perhaps, this is how the local political opposition behaves. It (opposition) has done nothing but find fault against the city government’s exploits.

We are not saying that it is awful to be with the opposition. We support the opposition’s adversarial stand against all forms of corruption and disservice to the masses of our people.

We idolized the opposition as precursor of truth and justice. We would be willing to put our lives at stake in the ideals of fair and honest governance. We want everything that Socrates dreamed of an ideal society. However, most people detest the behavior of the local political opposition in the way it wanted the public to appreciate them.

Perhaps, the perception that the local opposition has the bearings of contemptible character is the lack of self-respect. Political opposition in other countries struggle for concrete development.

They fought for the rights of the citizens to be part of the popular will. They contribute much for the welfare of the citizenry in particular and the society in general. Although most of them belonged to the minority, they truly represent the perception of the majority.

It is unfortunate that even in Cagayan de Oro; we could not find a respectable political opposition that encouraged residents to fight for their cause. On the contrary, the city has an opposition that ridicules and divides the aspirations of the local populace. We have a political opposition who belittles the argument of those who disagree with their twisted thoughts.

React: [email protected]



Libel laws contradict Constitution
Read 227 times | Posted on December 30, 2012 @ 4 years ago

LIFE’S INSPIRATIONS: “… What good is it, my brothers and sisters, if someone claims to have faith but has no deeds? Can such faith save them?” (James 2:14, the Holy Bible).

-ooo-

BEWARE OF FORTUNE TELLERS: As 2012 comes to a close, fortune-tellers are being featured once again in many media outlets, radio, TV and newspapers, to give forecasts as to what will happen in 2013. This is great entertainment, of course, but the Bible, in its Jeremiah 29:8, says fortune-tellers and diviners should not be believed.

This verse says: “Yes, this is what the Lord Almighty, the God of Israel, says: `Do not let the prophets and diviners among you deceive you. Do not listen to the dreams you encourage them to have. They are prophesying lies to you in my name. I have not sent them,’ declares the Lord.” Instead, people should pray to God, the same verse explains.

-ooo-

RH NOW A LAW, SC BATTLE LOOMS: Whether the usual fanfare when bills are signed into law by the President accompanied the signing of the Reproductive Health Bill or not, what matters is that, it is now clear that the Philippines now has a reproductive health law—Republic Act 10354. The principal authors of the law in both houses of Congress confirmed that President Aquino already signed the bill into law, so that settles it.

I am sure that as soon as those who are opposing the bill—I mean, the law—will have secured their official copies of the new law, it will be raised to the Supreme Court for its final battle—to have it scuttled or declared invalid and contrary to the Constitution, or to have it validated and declared operative and effective.

-ooo-

DECLARATION OF WAR VS. RP: If China continues its plan to deploy one of its naval ships—Haixun 21—to patrol the South China Sea or, from the more recent Philippine point of view, the West Philippine Sea, can the Philippines do more than lodge a diplomatic protest? I mean, the deployment of Haixun 21, while considered as an act of sovereignty by Chinese officials, constitutes, in reality, a declaration of war against the Philippines.

It is no less than a declaration of war to me, considering that Haixun 21’s incursion into the West Philippine Sea violates the territorial integrity of our country, and is thus, for all intents and purposes, an invasion against us. While lodging a diplomatic protest may appear to be an “intelligent” approach towards avoiding a war, it would in effect be conceding the territory to the Chinese, which is unacceptable.

-ooo-

CEBU ROW: UPHOLD RULE OF LAW: So, there are no Court of Appeals justices who can rule on the application for a temporary restraining order which Cebu Gov. Gwen Garcia filed to contest her suspension from office decreed by President Aquino and implemented by Secretary Mar Roxas of the Department of the Interior and Local Government (DILG)? That’s unfortunate, in view of the escalating tension in the province which may erupt into deadly violence any minute now.

Perhaps, it is time for all the parties in the controversy, particularly Gov. Gwen, to uphold the rule of law in the meantime, which means obeying the orders of duly-constituted authorities. Yes, Gwen has her misgivings about the order suspending her, but then, only the courts can help her now—not her advisers nor her supporters, no matter how high up they maybe.

-ooo-

LIBEL LAWS CONTRADICT CONSTITUTION: I fully concur with the petition filed with the Supreme Court by UP Law Prof. Harry Roque and journalist Ellen Tordesillas, asking the tribunal to decriminalize libel because it is contrary to the freedoms of the press and speech enshrined in the 1987 Constitution.

Really, libel contradicts the Constitution, and it is a source of wonder why libel has been allowed to stand through the years. It is time to uphold the Constitutional guarantee of free press and free speech.

-ooo-

REACTIONS? Please call me at 0917 984 24 68, 0918 574 0193, 0922 833 43 96. Email: [email protected]



Use it or lose it
Read 222 times | Posted on December 30, 2012 @ 4 years ago

THINK a minute.

Have you ever owned something quite valuable and useful, yet you ended up not using it much?

There’s a story about a preacher who was talking with the owner of a factory that made soap.

The soap maker said to the preacher: “This message about Jesus Christ that you preach cannot be very good, because there are still many bad people around.”

The preacher saw a child nearby covered with dirt. So he said to the soap maker: “Your soap cannot be very good, because there are still a lot of dirty people.”

The soap maker replied: “Well, my soap can only clean when a person uses it!”

The preacher said: “Yes, you’re right. It’s the same way with the Bible and Message about Jesus Christ.”

You see, just like soap is not worth having if we don’t actually use it, it’s the same with the Message about Jesus Christ and new life He gives us who ask Him.

Unless we then live it every day, it’s useless to us. The Bible is our Maker’s manual to show us how to live the right, successful way He designed it to work.
So we not only must read and understand Jesus’ Message every day, we must follow it every day to start changing and living the satisfying life He plans for us to enjoy.

Jesus said that even if we go to church, give money, and pray, but in our heart we’ve not started changing and becoming more like Him in our character, then we don’t really belong to Him and have His new life.

For example, if we’re not honest, or we won’t obey Jesus’ command to forgive people who have wronged and hurt us, then we’re proving we do not truly know Him personally and have a relationship with Him.

So if Jesus’ written Manual for our life is not His living Message in our life, then we’re completely wasting the Bible and making it useless to us.
So why not start actually using and living the new life Jesus died to give you.

Everyday read and obey His Message to you, so you can know that you have His eternal life.

If you don’t use it, you’ll lose it—forever.

Just Think a Minute.



Bulahan ang dili hakog
Read 225 times | Posted on December 30, 2012 @ 4 years ago

BRO. EDCEL L. CLOSAS

SPECIAL MESSAGE: DECEMBER 31, 2012:

Sa Efeso 5:5- ang kahakog makaimperno nga kun dili kita mohatag ug magpaambit para uban mao kini ang makaamong nganong malaglag ka. Pananglitan, may talento ka, may time ka, may treasure ka( 3 T) nga wala nimo gamita para sa kaayohan sa uban ug sa kadayganan sa Dios.

Pananglitan, moapil kag choir sa injong parokya, apil kag religious group o mogasto ka para sa mga kalihokan sa Dios sama sa mga prayer meetings o mo sponsors sa mga katekista o mga nagwali. Dapat kini ang atong buhaton kay aron dili ka tawgong hakog sa Dios.

Sa Mateo 22:21-22- give what is due for God nga tungod ani dapat maghatag tag talent,time ug treasure sa Dios ug sa atong isig katawo. Tan-awa, daghang tawo nga walay oras sa pamilya apan may oras sa trabaho, inom,tagay ug mga barkada ug gani hapit na hatdan ug banig kay dili na halos muoli sa pamilya.

Daghan kanato nga makagasto sa mga kumbira, birthday, fiesta ug mga occasions , mga appliances apan dili gani ka gasto para sa simbahan ining tinghalad,mga proyekto,pamisa,palit ug rosaryohan ug bibliya o tabang sa mga kalihokan pangdiniyos.

Daghan kanato nga grabe mokanta sa videokihan, stage mga amateur singing contest,sayaw nga bastos o mga disco ug bayle apan dili ka kanta para sa Dios, dili mosayaw kay maulaw labina ug pangdiniyos nga praise and worship.

So therefore, dapat diay atong ihatag ang unsay puwede natong mahimo para sa uban ug sa Dios kay mas bulahan ang paghatag kay sa pagdawat. CDO Radio Ultra AM station 1188- 2 pm every Sunday. Please listen to me.

SPONSORED: NENETH-BOBONG BALENO- DOC EDITH- TONY JORDAN- CDO- BRO.EDCEL#09284149490- JAGNA,BOHOL

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