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The consequences of this issue are that there are more newly
graduates or those part time teachers who are qualified will be hired. The
number of unemployed teacher education graduates will decrease and also
it is a good sign of development. Most of the graduates will no longer settle
for applying on jobs such as sales lady, cashiers, and other alternative jobs
which is not in line with their degree program. And also a good sign of a
better classroom management because the population of the students for
every teacher will decrease. The needs of the students will be catered
accordingly and they can a more focused attention from the teacher.
Another one is the number of teachers going abroad will lessen because
there is already an opportunity offered here and a great advantage to add in
our labor force.
The issue stresses that the DepEd is in need of hiring teachers only in
the area of science and math. We hope that other specialization will also
have a position in the field. T he government should allocate a bigger
budget on education and we hope that this will continue for we as a pre-
service teachers is expecting much from the government. And we should
not ignore the serious challenges of shifting to a K-12 program. At the same
time, we should seize upon its very real potential to improve the lives of
everyone. K-12 is obviously a work in progress that will go through many
changes as it is implemented. Top-down planning will invariably be
reshaped and modified by bottom-up concerns and existing practices of
teaching and learning. What remains imperative is that we provide our
youth with all the skills they need, especially education, to prepare them to
live meaningful and productive lives. This means, among other things,
preparing for the constantly changing demands of the workplace. But they
should also be able to question those changes and craft alternatives for a
better world. There are many problems to be fixed in education and we
should pursue these solutions with zeal. To do so means dealing with the
many challenges of K-12 rather than simply putting them on hold.
What is the problem or issue?
The problem is about loan sharks who still even strive with the
presence of microfinance in the country. This problem of loan sharks
charging usurious rates for short-term lending was supposed to have been
solved by now. Microfinance is used to describe the supply of financial
services to low-income employees, which is closer to the retail finance
model prevalent in mainstream banking.
Fifteen years ago, the government brought what was then a little
known scheme called microfinance into the banking mainstream, with no
less than the General Banking Law of 2000 mandating the Bangko Sentral
Ng Pilipinas (BSP) to propagate this lending method. Microfinance was
aimed at ultimately alleviating poverty by encouraging underprivileged
individual’s access to the capital they needed to start their own businesses
or help existing ones. It was meant to provide aspiring entrepreneurs from
the lower socioeconomic strata with collateral-free loans, because most of
them could not cough up the collateral like real estate and other acceptable
assets required by banks for loans. And most importantly, it was supposed
to drive five-six loan sharks out of business by offering significantly lower
interest rates. Currently, President Duterte warned those Indian loan sharks
not to do the 5-6 system for they will be deported back to India. He will
seek a help from the Ambassador …. To stop what they are doing or else
they’ll know the consequence.
What else are needed to be done about the problem or issue?
1. Consult a legal financial expert to know the steps on how you can fight
loan sharks legally.
2. If possible, get a personal loan to settle your loans with a loan shark
since banks offer much better terms than shady lenders.
3. If the loan sharks are already sending people to harass you, file a formal
complaint to the police if there’s already violence involved.
4. Finally, talk to them and tell them that you’ll pay them eventually, and
you must deliver so you can get rid of them once and for all in your life.
COMPREHENSIVE PROGRAM
Another source of fund is the combined gross government share from the
income of the Philippine Charity Sweepstakes Office (PCSO) and Philippine
Amusement and Gaming Corporation (Pagcor) which could reach P40 billion
this year.
Under its tax administrative reforms, DOF said it will make tax
evasion a predicate crime to money laundering, and repeal bank secrecy for
Bureau of Internal Revenue (BIR). "We believe the cornerstone of any
genuine tax reform package is to remove bank secrecy for tax evaders and
make tax evasion a predict crime to money laundering," DOF stressed. The
Finance department also recommended the removal of BIR and Bureau of
Customs (BOC) from salary standardization and civil service protection to
"attract staff competence and discourage corrupt practices."
The DOF made the following proposals in its Comprehensive Tax Reform
Program (CTRP):
• With Annual Income between P250,000 and P400,000 = 20 percent tax rate on the
excess over P250,000
• With Annual Income between P400,000 and P800,00 = P30,000 + 25 percent on the
excess over P400,00
• With Annual Income between P800,000 and P2,000,000 = P130,000 + 30 percent on the
excess over P800,000
• With Annual Income over P5,000,000 = P1,450,000 + 35 percent on the excess over
P5,000,000
• With Annual Income between P250,000 and P400,000 = 15 percent tax rate on the
excess over P250,000
• With Annual Income between P800,000 and P2,000,000 = P102,500 + 25 percent on the
excess over P800,000
• With Annual Income over P5,000,000 = P1,302,500 + 35 percent on the excess over
P5,000,000
Aside from the reforms in the income tax rates, Chua said the DOF
would also look into lowering the corporate income tax to 25 percent, and
as well as reducing property taxes and capital income taxes. The proposed
tax policy package would also implement new taxes on sweetened
beverages and higher excise taxes on alcohol and tobacco, as well as new
taxes on fatty foods, jewelry, mining, carbon, gambling, lottery and casinos,
he explained. Sen. Juan Edgardo “Sonny” Angara, who attended the event,
said he strongly supports the proposed tax reforms, noting that “the last
ambitious tax reform program was undertaken several governments,
several administrations ago.”