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In economics marginal thingking requires desicion makers to evaluate wether the benefits of one more unit of somethingis greater than its cost . this can be quite challenging but understanding how to analyze desicions at the margin is essential to becoming a good economist
Sa economics marginal thingking nangangailangan desicion makers upang suriin weder ang mga pakinabang ng isa pang yunit ng somethingis mas malaki kaysa sa kanyang gastos. ito ay maaaring maging lubos na mahirap ngunit-unawa kung paano upang pag-aralan desicions sa margin ay mahalaga sa pagiging isang mahusay na ekonomista
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consularSPECIAL POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS:
I/We, MR. JOEDEL BELMONTE MALAPO, Filipino, Single, of legal age/s, with postal address at #1818 Upo Napico Street, Manggahan
1611 Pasig City, do hereby name, constitute and appoint SANDRA OLAVERA NARON, Filipino, Single, of legal age, residing at #1818 Upo Napico
Street, Manggahan 1611 Pasig City whose specimen signature appears below, to be my/our true and lawful Attorney-in-fact, for me/us and in
my/our name/s, place and stead, and for my/our own use and benefit to do the following acts and deeds:
1. To acquire the property in paragraph 3 presently covered by Condominium/Transfer Certificate of Title No. ________________ under the name of
PROPERTY COMPANY OF FRIENDS INC. and to be registered and transferred in name/s of SANDRA OLAVERA NARON.
2. To apply for, negotiate, and obtain a loan from BDO UNIBANK, Inc (“the Bank”) in the principal amount not exceeding (PHP 1,357,300.xx) ONLY,
Philippine Currency, (the “Loan”), or any such higher amount as may be approved by the Bank ,at such terms and conditions as may be agreed by
my attorney-in-fact with the Bank:
3. To encumber or assign and convey by way of FIRST MORTGAGE unto the Bank, its successors and assigns my/our property/ies described below,
including its appurtenant parking space, laundry area, drying area, ledge, garden area, balcony, if any, as security for the prompt payment of the
Loan, including its renewals, extensions, rescheduling, restructuring, reavailments or amendments thereof:
Location Current TCT/ CCT No.,
Registry of Deeds & Registered Owner
To be transferred to
Block 11 Lot 3 Kensington 6 Barangay
Navarro, General Trias, Cavite
Province of Cavite
PROPERTY COMPANY OF FRIENDS INC.
SANDRA OLAVERA NARON
4. To indicate, confirm and instruct the Bank on the mode of payment for my/our above Loan, including without limitation, to authorize the Bank to
automatically debit from my/our account with the Bank’s __________________ Branch under Account No. __________________
(the “Account”) for any and all payments/amounts which may be due from me/us under the said Loan and/or the facility obtained in accordance with
paragraph 8 below, as my/our attorney-in-fact may deem appropriate or necessary;
5. To make, sign, execute, and deliver contracts, documents, agreements, and other writings of whatever nature or kind, such as but not limited to
Promissory Note(s), the Deed of Real Estate Mortgage / Mortgage Loan Agreement, Deed of Undertaking, Automatic Debit Authority and all other
documents (including without limitation, the enrollment form for any Mortgage Redemption/Credit Life Insurance or other bond/insurance
requirements and/or any renewal thereof, and such petitions, warranties, representations and undertakings in relation to the condition of the
foregoing property and the delivery of title over the same to the Bank, free and clear from any liens and encumbrances), with the Bank any and all
third persons, concerns, or entities, as may be necessary or proper in connection with the foregoing upon the terms and conditions as my/our said
Attorney-in-fact may, in his / her discretion, deem to be in my/our best interest:
6. To duly receive on my/our behalf the proceeds of the said Loan as well as legal notices or processes directed to me/us in the event of foreclosure
or other satisfaction of the suit premised on the Deed of Real Estate Mortgage / Mortgage Loan Agreement or any other document, warranty,
agreement to be executed by my/our Attorney-in-fact in favor of the Bank as security for the aforesaid Loan:
7. To claim from the Bank, upon full payment of the credit accommodations / facilities for which my/our property stands as collateral, the Owner’s
Duplicate Copy of title aforementioned.
8. To obtain a facility from the Bank in such amount as may be necessary to pay for the insurance policy such as but not limited to mortgage
redemption/credit life insurance and fire insurance policy, procured in connection with the Loan, and to sign, execute and deliver application forms,
contracts, documents, and agreements, as may be necessary or proper in connection with the facility to be obtained at such terms and conditions as
my/our said Attorney-in-fact may, in his/her discretion, deem to be proper, and to claim and receive from the Bank any and all documents in relation
to the insurance policy procured and/or facility obtained.
9. To cancel any lien / encumbrance such as but not limited to Sec. 4, Rule 74 of the Revised Rules of Court (Heirs' and / or Creditors' Lien), Sec. 7 of
Republic Act No. 26 (An Act Providing A Special Procedure For The Reconstitution of Torrens Certificates of Title Lost or Destroyed), and / or prior
mortgage annotations, if any.
10. To do and perform any and all acts necessary for the faithful execution of the foregoing acts and deeds.
HEREBY GIVING AND GRANTING unto my/our said Attorney-in-fact full power and authority to do and perform all and every act and thing
whatsoever requisite and necessary to be done in and about the premises, as fully to all intents and purposes as I might or could lawfully do if
personally present, and hereby ratifying and confirming all that my/our said attorney-in-fact has done, shall lawfully do or cause to be done by virtue
of these presents.
This Special Power of Attorney shall be valid and subsisting and shall remain in full force and effect unless otherwise revoked or amended
by me in writing and duly served upon the Bank.
IN WITNESS WHEREOF, I have hereunto set my hand this day of _________________ at _______________________.
JOEDEL BELMONTE MALAPO
SANDRA OLAVERA NARON
SIGNED IN THE PRESENCE OF:
STEPHANIE JOY M YAO
ACKNOWLEDGMENT AND CERTIFICATE OF OATH
REPUBLIC OF THE PHILIPPINES) S.S.
BEFORE ME, a Notary Public for and in the above jurisdiction personally appeared:
Name Competent Evidence of Identity Date & Place Issued
JOEDEL BELMONTE MALAPO 409-792-012-000 TIN
SANDRA OLAVERA NARON 427-167-706-000 TIN
Personally known to or identified by me to be the same person/s who executed the foregoing instrument and he / she / they acknowledged to me that
their signature on the instrument was voluntarily affixed for the purposes stated therein, the same is his / her / their own free and voluntary act and
deed and they were duly authorized to sign for the person/s or Corporation/s herein represented, and he / she / they further made oath as to the
truth of the representation and warranties thereof.
This instrument consisting of _________ (___) pages, including this page on which the Acknowledgment is written, has been signed by the party
and their instrumental witnesses on each and every page thereof and relates to a Special Power of Attorney granted in favor of
WITNESS MY HAND AND NOTARIAL SEAL on this day of ______________________________ at ____________________________________
Doc. No. _____________;
Page No. _____________; NOTARY PUBLIC
Book No. _____________;
Series of _____________;ized
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Yes. The FDA must first approve all generic drugs. The FDA requires that generic drugs must be as high in quality, and as strong, pure and stable as brand-name drugs. Generic drugs use the same active ingredients as brand-name drugs and work the same way. They have the same risks and the same benefits as the brand-name drugs
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A positive externality exists when an individual or firm making a decision does not receive the full benefit of the decision. The benefit to the individual or firm is less than the benefit to society. Thus when a positive externality exists in an unregulated market, the marginal benefit curve (the demand curve) of the individual making the decision is less than the marginal benefit curve to society. With positive externalities, less is produced and consumed than the socially optimal level.
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Accessible sexual, reproductive, and mental healthcare services are crucial for adolescent health and wellbeing. It has been reported that school-based healthcare (SBHC) has the potential to improve the availability of services particularly for young people who are normally underserved. Locating health services in schools has the potential to reduce transport costs, increase accessibility and provide links between schools and communities.
A systematic review of the literature was undertaken. Pubmed, Psychinfo, Psychnet, Cochrane CENTRAL, and Web of Science were searched for English language papers published between January 1990 and March 2012
Twenty-seven studies were found which fitted the criteria, of which, all but one were from North America. Only three measured adolescent sexual, reproductive, or mental health outcomes related to SBHC and none of the studies were randomized controlled trials. The remaining studies explored accessibility of services and clinic utilization or described pertinent contextual factors.
There is a paucity of high quality research which evaluates SBHC and its effects on adolescent sexual, reproductive, and mental health. However, there is evidence that SBHC is popular with young people, and provides important mental and reproductive health services. Services also appear to have cost benefits in terms of adolescent health and society as a whole by reducing health disparities and attendance at secondary care facilities. However, clearer definitions of what constitutes SBHC and more high quality research is urgently needed.
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