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Saturday, September 25, 2021

Julia's Patisserie - Where Baking is an Art!

During special occasions, we wanted to surprise our loved ones and we usually expressed it through words, but it will be extra special if we add something beautifully created to represent our greetings and love, like the cakes on birthdays, anniversaries, holidays or any other special day.

We don't want just any regular cakes for the special people in our lives, we wanted to give them something personalized and special. Julia's Patisserie knows what your heart feels for your loved ones, so they are taking customized cakes orders into the next level. Whatever you want for your cakes they will make special with glee, because it is where baking is an art!

Just take a look at some of these masterpieces that Julia's Patisserie created with their happy customers:















Julia's Patisserie is located at 8-2nd Sts. Nazareth, Cagayan de Oro City
Store hrs: 9:00am-5:00pm
For orders and inquiries, call them at 📞: (0935) 782 6879 and 0917 624 5830

Thursday, September 23, 2021

Try the Newest Dubai-inspired Shawarma Shop in CDO - Yalla Habibi Shawarma

Nakatilaw na ba mo sa newest Dubai-inspired Shawarma in CDO?

Yalla Habibi's Signature Shawarma (Turkish Beef and Chicken Shawarma), Aloha Cheesy Cheeseburgers and Quesadillas completed our cravings and quenched our thirst with their YH Milk Tea series. Dili jud mo magmahay kay busog jud mo sa kalami ug large servings for a very affordable price!

You can order via Streetby, FoodPanda and Maxim or Call them directly at 0917 158 0018 to have your order delivered to your location!

You may also drop by our store to pick it up at Door 2, Fiscal Amosin Building, Zone 4, Pasil, Villa Vicente Kauswagan, Diversion Road beside Daikin Service Center in front of Shell Pasil! 

Please visit their Facebook Page - Yalla Habibi Shawarma for more info and exciting promos.


Check out their menu: 

Tuesday, September 7, 2021

Join this year’s Virtual European Higher Education Fair 2021

Virtual European Higher Education Fair 2021


The COVID-19 pandemic has given us many challenges but this does not mean that the pursuit of higher education should stop. 

The European Union Delegation to the Philippines in collaboration with the EU Member States’ Embassies, education services and Institutes, will hold again this year the “Virtual European Higher Education Fair 2021” from 1 to 2 October. 

Since last year, the Fair has embraced the digital transformation by staging the most exciting higher education fair online.  This makes the event more accessible to Filipino students, academicians, researchers and university officials from across the country. 

This year’s theme, “Go Higher with EU” puts the spotlight into the EU as the Fair becomes the Filipino youth’s gateway to excellence in higher education.

The EU is known as one of the world’s ultimate hubs for cross-fertilization of ideas, cutting-edge technology and innovation coming from its many outstanding higher education institutions. 
The EHEF 2021 provides the best platform to link members of the academe from the Philippines to the best higher education institutions from the European Union.

This year’s online fair will feature webinars on specialised courses and programmes, research and mobility opportunities.  Country presentations and live chats with European Higher Education Institutions’ representatives, alumni, and scholars will be available to provide quick and easy information about the higher education systems in the EU. Virtual meeting rooms will be set up for Philippine higher education institutions and their EU counterparts. 

As EHEF 2021 goes virtual, it also goes regional for the second time and in real-time. 

Regional partner institutions for this year include Wesleyan University (Luzon), Silliman University (Visayas), and Xavier University –Ateneo de Cagayan (Mindanao), which will host clustered presentations for students and other members of the academe.  University partners for this year are the following: University of the Cordilleras, Lyceum of the Philippines University - Batangas, St Louis University, Rizal Technological University, Trinity University of Asia, Visayas State University, Jose Rizal Memorial State University and Mindanao State University’s (Marawi) College of Public Affairs. 

The Fair is supported by Campus Erasmus and the Association of Christian Schools, Colleges and Universities. Media partners this year include: Business World Spark Up, Cebu Daily News, Gadgets Magazine, Inquirer Super, Panay News, Subselfie Online, and The Philippine Business and News (

The Virtual EHEF 2021 is organized by the Delegation of the European Union to the Philippines, together with EU Member States’ Embassies, education services and Institutes and in collaboration with the Commission on Higher Education.   

For more on EHEF 2021 visit or check the FB page at

Sunday, July 4, 2021

Outsmart Loan Payment Scammers

As more consumers become aware of the dangers of phishing (scammers stealing personal data), some criminals choose another scheme: loan payment scams. For loan payment scams to work, these criminals trick their victims into entrusting them with loan payments. 

First, the scammer impresses upon victims that he or she is a well-connected insider of a bank (or another lending organization) who wants to help people get their loans processed quickly and conveniently.  Once they earn the victim’s trust, they find excuses to take payments from the victim, while assuring him or her that the money will be used for “processing” the loans. Of course, the payments go to the scammer—not to the bank or lender!

You can outsmart loan scammers with these steps:

Always pay for your loan-related payments and other transactions through proper bank channels. These channels include over the counter at your bank branch or through automatic debit arrangement. Do this for your car loans, home loans, and business loans. 

Maximize auto debit payments. Ask your bank about this; it is the more secure and convenient option. For example, BDO has an Automatic Debit Arrangement (ADA) that transfers monthly amortizations from the assigned BDO Savings or Checking accounts.

Verify with your bank or other lender. When someone offers to help with your loan payment or to help “fast-track” your loan application, don’t say yes right away. Even if the person is a friend or a relative, don’t be pressured into saying yes.  Be more wary if the person is a stranger.

Instead, call up or go to your bank branch or the lending company.  Verify if the person is authorized to help customers with loan payments and applications.  Then ask if the loan payment or loan application process is legitimate and authorized by the bank/lender. If you successfully verify all of that, then you can go ahead and say yes. 

Be extra wary when someone asks you to transfer money to a personal account; especially if it is for processing a loan application or before releasing the loan proceeds. 

Don’t forget about phishing scams

Phishing is done mainly through deception: the scammer sends a text message, an email, a private message, or a link that will prompt the targeted person to share personal information.  

Once the scammer gets the victim’s personal information, it now becomes very easy to steal a person’s money through online hacking. 

You can outsmart scammers and protect your data by knowing how they try to trick you into sharing your data. Here are the warning signs:

  1. The caller or message sender asks for your username and password of your online banking account.  It might also ask for your One-Time PIN or OTP. Your bank will never ask for that information. 

  2. The caller or message sender provides you with email or text links that lead to websites that ask for your personal information, including your online banking account credentials. Your bank will never send you those types of links.  At most, your bank will only send links to share information such as card promotions.  

  3. The caller or message sender asks you to verify your account through a phone call, text message, direct messaging, or email. Be suspicious if you are asked to verify your account by sharing your personal information: your name, birthday, mother’s maiden name, etc.  Such information may be used to access your account. Your bank will never ask for your personal data.

  4. The caller or message sender asks for the following information through a phone call, direct message, email, or text message: your credit card number; your card expiry date; your card CVV (or Card Verification Value, which can be found at the back of your
    card); your OTP to verify online shopping transactions. Your bank will never ask for that. 

Scammers are always out to get victims; remember these tips to keep yourself and your money protected from their schemes.

Wednesday, June 30, 2021

Be Smarter than a Scammer - #BDOAntiScam

Having been a BDO client for many years, I feel thankful to all the BDO employees who have helped me with my transactions with the bank. They’ve all made me feel assured and secure about my money even in times of uncertainty—like when the pandemic happened and our collective anxiety over our health and our immediate future reached a peak. The staff at my BDO branch have always proven respectful, dependable, trustworthy, and accommodating towards my needs and concerns. This is why I am a satisfied BDO client.

Still, recent events are a lesson to all of us: we need to use our own critical thinking skills and we need to know the proper channels for bank transactions. We need to pay only through those proper channels. If we don’t, we risk getting scammed and losing money.   

When dealing with your bank and its employees, especially in payment transactions, remember to strictly follow this advice: Pay for your loan-related payments and other transactions only through proper bank channels.

Proper bank channels include: 

a) Over the counter at your bank branch; and 

b) Automatic Debit Arrangement (ADA) Payments that you have arranged with your bank branch. These are the most secure and reliable payment channels for your loan-related payments to your bank. 

If a person—anybody, even if it is your friend, a family member, or even an employee at your bank—tells you to make loan-related payments to other channels, that should be a big, flashing warning sign. 

If that person tells you to give your payment to him or her directly, or to transfer payment to his or her personal account; or to any other bank account or e-wallet account—be on your guard.  Better say no and instead go to your bank branch directly. 

Be suspicious if a person asking you to pay a down payment or any sort of payment to them while your loan is being processed. Likewise, be suspicious if a person asks you for a payment as a requirement for the release of your loan proceeds. 

In short, for any payment related to your bank loan, go directly to your bank branch.  Sometimes, our cultural habits leave us vulnerable to scams. We tend to trust people who claim to be “insiders” or “well-connected” to our bank and we let our guard down and give them our money directly. No, do not do that.  Pay only through the two proper bank channels mentioned earlier. 

Moreover, BDO will never ask to check your account through links. Use official BDO app or type the official BDO web address in a browser. 

Follow this advice consistently to prevent the stress and heartache that a scam will inflict on you.

Monday, May 31, 2021

Modified Enhanced Community Quarantine (MECQ) 2021 GUIDELINES


Persons Recommended to Stay at home – Persons below 18 years old, over sixty-five years old, pregnant women, those with immunodeficiency, comorbidity, or other health risks, except for obtaining essential goods and services or for work.
Gatherings – Outdoor and indoor gatherings with persons out of your immediate household remain prohibited. However, religious gatherings shall be allowed up to 10% of the venue capacity.
Schools – Face-to-face or in-person classes shall be suspended. We recommend improving on your home internet or if you absolutely need a new home-schooling gadget you may apply for a loan from Landbank.
Transportation – Road, rail, maritime, and aviation sectors of the public transportation sector may operate. Biking is encouraged. Couriers, delivery services, and public transportation services like GrabCar are allowed to operate. You can get essential goods and services even without having to leave your home by using these grocery apps.
ID Requirements – IDs proving a place of work or Quarantine passes will be recognized when required by LGU. It’s recommended that you have your existing Quarantine pass with you when you go out.
Restaurants – Restaurants may operate however only take-our and pick-ups are allowed.
Curfew hours – A unified curfew may be imposed by LGUs.
Facilities not permitted to operate – Entertainment venues with live performances, recreational venues, Amusement parks, outdoor sports courts of venues for contact sports, indoor sports courts, indoor leisure centers, casinos, an indoor visitor of tourist attractions, conference or exhibition venues, personal care establishments such as parlors, spas, and similar establishments.


SECTION [5] GUIDELINES FOR AREAS PLACED UNDER MODIFIED GENERAL COMMUNITY QUARANTINE. Areas placed under MGCQ shall observe the following protocols: 1. Minimum public health standards shall be complied with at all times for the duration of the MGCQ. 2. The movement of all persons shall be limited to accessing goods and services from permitted establishments, for work in such establishments, or for such other activities allowed in this section. (As amended by Paragraph A(4)(a) of IATF Resolution No. 43, June 03, 2020, and further amended by Paragraph C of IATF Resolution No. 110, April 15, 2021) 3. Any person below fifteen (15) years old, those who are over sixty-five (65) years of age, those with immunodeficiency, comorbidity, or other health risks, and pregnant women shall be required to remain in their residences at all times; Provided, that all activities and movements allowed under other Sections of these Guidelines for the foregoing persons under stricter forms of community quarantine shall continue to be permitted under MGCQ. (As amended by Paragraph A(4)(b) of IATF Resolution No. 43, June 03, 2020, Paragraph A of IATF Resolution No. 79, October 15, 2020, Paragraph B(8) of IATF Resolution No. 84, November 19, 2020, and by Paragraph B of IATF Resolution No. 95, January 21, 2021. Lowering of age-based restrictions suspended pursuant to IATF Resolution No. 96, January 26, 2021) 4. All private offices may be allowed to operate anywhere between fifty (50%) to one hundred percent (100%) on-site capacity while encouraging work-from-home and other flexible work arrangements, where applicable. 5. The following establishments, persons, or activities shall not be permitted to operate, work, or be undertaken during MGCQ: a. Entertainment venues such as karaoke bars, bars, clubs, concert halls, and theaters; b. Fairs/Peryas, kid amusement industries such as playgrounds, playroom, and kiddie rides; and c. Cockfighting and operation of cockpits, except for the sole purpose of conducting e-sabong licensed and regulated by the Philippine Amusement and Gaming Corporation. The foregoing is likewise without prejudice to the authority of DTI to issue a negative list of industries that shall remain prohibited even in areas under MGCQ. 6. All construction projects shall be allowed subject to strict compliance with the construction safety guidelines issued by the DPWH. 7. Agencies and instrumentalities of the government shall be fully operational and shall operate at a minimum of fifty percent (50%) up to full on-site capacity as determined by the head of the agency, in accordance with the relevant rules and regulations issued by the CSC. 8. The co-equal or independent authority of the legislature (Senate and the House of Representatives), the judiciary (the Supreme Court, Court of Appeals, Court of Tax Appeals, Sandiganbayan, and the lower courts), the Office of the Ombudsman, and the Constitutional Commissions, to implement any alternative work arrangements, is recognized. 9. Officials and employees of foreign diplomatic missions and international organizations accredited by the DFA may operate at full on-site capacity. 10. Only hotels or accommodation establishments with valid DOT Accreditation shall be allowed to accommodate guests and clients for legitimate purposes under a state of a public health emergency. The operations of such hotels and accommodation establishments, as well as ancillary establishments within their premises such as restaurants, cafés, gyms, spas, function halls, and the like, shall be subject to guidelines issued by the DOT and the IATF. (As amended by Paragraph C(2)(4) of IATF Resolution No. 95, January 15, 2021) 11. Gatherings shall be allowed up to fifty percent (50%) of the seating or venue capacity. Provided, that participants shall strictly observe the minimum public health standards, and the establishments or venues where the gatherings will take place shall strictly comply with ventilation standards as provided for under relevant issuances of the Department of Labor and Employment (DOLE). 12. Face-to-face or in-person classes for basic education shall be suspended. The basic education sector shall operate in accordance with the guidelines of DepEd. Limited face-to-face or in-person classes for higher education and technical vocational education and training may be allowed, subject to the guidelines of CHED and TESDA, respectively. (As amended by Paragraph A(4)(e) of IATF Resolution No. 43, June 03, 2020, and amended by Paragraph C of IATF Resolution No. 47, June 19, 2020) 13. The road, rail, maritime, and aviation sectors of public transportation shall be allowed to operate at such capacity and protocols in accordance with guidelines issued by the DOTr. The use of active transportation such as biking is encouraged. (As amended by Paragraph D(7)(b) IATF Resolution No. 94, January 14, 2021) 14. Law enforcement agencies shall recognize any of the following IDs: (i) IATF IDs issued by the regulatory agencies with jurisdiction over permitted establishments or persons, (ii) valid IDs or other pertinent documentation issued by accrediting organizations or establishments allowed under MGCQ, and, (iii) if required by the LGU, local IDs for availing of essential goods and services. No other IDs or passes specifically exempting persons from community quarantine shall be required of workers of permitted establishments and/or offices without prejudice to requiring the presentation of other documents establishing the nature of their work. (As amended by Paragraph B IATF Resolution No. 46, June 15, 2020, and Paragraph B of IATF Resolution no. 106-B, March 28, 2021) 15. The movement of cargo/delivery vehicles, as well as vehicles used by public utility companies, shall be unhampered. Shuttle services of permitted establishments shall not be subject to an ID system but shall maintain compliance with minimum public health standards. (As amended by Paragraph B of IATF Resolution no. 106-B, March 28, 2021) 16. Indoor and outdoor non-contact sports are allowed. Non-contact sports refer to a sport or activity in which participants are physically separated throughout its duration, thus minimizing the possibility of making any form of purposeful or accidental physical contact. Provided, that, where applicable, the minimum public health standards such as the wearing of masks and the maintenance of social distancing, and no sharing of equipment, are observed. For this purpose, those below 15 years of age and above 65, may be allowed outdoor non-contact sports and other forms of exercise. (As amended by Paragraph A(4)(c) of IATF Resolution No. 43, June 03, 2020, and Paragraph B of IATF Resolution No. 56, July 16, 2020) 17. Any violation of the foregoing prohibitions shall constitute non-cooperation of the person or entities punishable under Section 9 par. (d) or (e), as the case may be, of Republic Act No. 11332, otherwise known as the Mandatory Reporting of Notifiable Diseases and Health Events of Public Health Concern Act, and its Implementing Rules and Regulations. (As introduced by Paragraph C of IATF Resolution no. 106-B, March 28, 2021)

DTI Memorandum Circular 21-19 for On-site Operational Capacity of Business Establishments, Person or Activities Allowed to Operate in Areas Under GCQ and Other Community Quarantine Classifications


WHEREAS, based on the updated risk classification in all Provinces, Highly Urbanized Cities and Independent Component Cities in the country, placing localities under different classifications of community quarantine with the goal of balancing economic activity and public health, IATF Resolution No. 115-A dated 13 May 2021 reclassified the provinces of Bulacan, Cavite, Laguna, and Rizal together with the highly urbanized cities of the National Capital Region and the municipality of Pateros (“NCR Plus”) to General Community Quarantine (GCQ) with heightened restrictions until 31 May 2021;

WHEREAS, the Omnibus Guidelines, as amended, authorizes the Department of Trade and Industry (DTI) to issue a negative list of industries which shall remain prohibited even in areas under GCQ, which includes determination of on-site operational capacities;

WHEREFORE, foregoing premises considered, the following guidelines are hereby prescribed consistent with the IATF Resolution No. 115-A, Series of 2021 for the information and compliance of all concerned -

SEC. 1. Business Establishments, Persons or Activities Allowed to Operate OnSite in NCR Plus under GCQ with Heightened Restrictions -- Subject to compliance with minimum public health and safety standards and protocols, including under DOH Administrative Order No. 2020-0015, Series of 2020, DTI-DOLE JMC No. 2020-04-A, Series of 2020, DOLE Department Order No. 224-21, Series of 2021 and applicable sector-relevant protocols, the following business establishments, persons or activities shall be allowed to operate, work or be undertaken in the NCR Plus under GCQ with heightened restrictions from 15 May to 31 May 2021 -- 

a. Food preparation establishments such as commissaries, restaurants, and eateries may operate with their indoor dine-in services at the venue or seating capacity of twenty percent (20%), and fifty percent (50%) for al fresco or outdoor dining;

b. Personal care services which include beauty salons, beauty parlors, barbershops, medical aesthetic clinics, cosmetic or derma clinics, nail spas, reflexology, aesthetics, wellness and holistic centers and other similar establishments; acupuncture and electrocautery establishments, shall be allowed to operate at thirty (30%) capacity, provided that they shall only provide services that can accommodate the wearing of face masks at all times by the patrons/clients and service providers and subject to compliance with the protocols under DTI MC No. 21-15;

c. Limited social events at accredited establishments of the DOT shall be allowed at venue or seating capacity of ten percent (10%), provided that only ceremonial proceedings consistent with the rules on religious gatherings shall be conducted, subject to the applicable DOT/DTI guidelines; and

d. Outdoor tourist attractions may be opened at thirty percent (30%) with strict adherence to minimum public health standards, subject to the DOT Guidelines.

Venues for meetings, incentives, conferences, and exhibitions (MICE), indoor sports venues, and indoor tourist attractions shall remain prohibited under GCQ with heightened restrictions. Other business establishments, persons or activities allowed to operate on-site in NCR Plus not mentioned above shall be allowed to operate following the prescribed on-site operational capacity under Annex “A,” subject to minimum public health and safety standards and applicable sector-relevant protocols.

SEC 2. Other Business Establishments, Persons or Activities Allowed to Operate On-Site Outside NCR Plus Under Various Community Quarantine Classifications. Subject to compliance with minimum public health and safety standards and protocols, including under DOH Administrative Order No. 2020-0015, Series of 2020, DTI-DOLE JMC No. 2020-04-A, Series of 2020, DOLE Department Order No. 224-21, Series of 2021 and applicable sector-relevant protocols, business establishments, persons, or activities allowed to operate outside NCR Plus shall follow the prescribed on-site operational capacity under Annex “A” according to their corresponding community quarantine classification. The general provisions of the Omnibus Guidelines in the Implementation of Community Quarantine shall remain in force and effect throughout the country.

SEC 3. Compliance Monitoring and Complaints Handling. The DTI, through the FTEB and Regional or Provincial Offices, shall continue its strict compliance monitoring through its post-audit mechanism. Inspection by the DOLE, DOH, and the LGU’s Health Office may also be conducted at any time.

Violations of this Circular shall be subject to corresponding penalties under relevant rules and guidelines including the temporary suspension of business operations as may be necessary and applicable.

All feedback and complaints from the general public may be coursed through the DTI Consumer Care Hotline 1-384.

SEC. 4. Repealing Clause. Provisions of relevant Memorandum Circulars that are inconsistent with this Circular are hereby superseded or amended accordingly.

SEC. 5. Effectivity. Given the presence of a public health emergency, this Circular shall immediately take effect upon its publication and filing with the University of the Philippines Law Center.