Weekend Balita november 14, 2015

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LOS ANGELES

November 14 - 20, 2015

THE LEADING SOURCE OF NEWS AND INFORMATION FOR FILIPINO-AMERICANS

PHL on alert after Paris attack Manila vows ‘higher’ APEC summit security

Manila, Philippines | AFP | Saturday 11/14/2015 – The Philippines Saturday vowed “higher security� for world leaders at an economic summit in Manila next week after a series of bombings and shootings left more than 120 dead in Paris.

US President Barack Obama is set to join the leaders of China, Japan, Australia, Canada and 15 others at an annual Asia-Pacific Economic Conference summit in Manila on November 18-19.

Asked about the implications of See PHL ON ALERT, page 8

APEC leaders told to speak up on maritime disputes MANILA, Nov 12 (Mabuhay) – Paraùaque Rep. Roilo Golez, one of the convenors of the Movement and Alliance to Resist China’s Aggression, led his colleagues in urging the heads of the economies participating in the Asia-PaciÀc Economic Cooper-

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See DISPUTES, page 8

her gratitude for the support of the church leader of the Roman Catholic. “With the intensiĂ€ed militarization in our communities, it’s as if the military and the government wants to eradicate us from the map. As one of the church leaders, we share with you the responsibility to call for the pull-out of military troops from our communities,â€? Bai Bibyaon said.

In a statement, Tagle called for the government to let peace exist, which meant to pull-out military forces in the communities of our

Los Angeles, November 11, 2015 – More than a thousand Filipino American youth, veterans and survivors, community members, women led by the The Justice League based in Los Angeles or the Justice for Filipino American Veterans, an alliance of veterans march for the fourth time in 15 years on Veterans Day, Wednesday November 11, 2015 in Hollywood, Los Angeles at 11:00 AM The Justice League with 60 organizations endorsing the mass action on November 11, 2015 will dramatize and remind America of their broken promises and unfulÀlled pledges to our veterans and relatives for the last 70 years.

Battery of Speakers PWC’s Executive Director Aquilina Soriano-Verzosa gave the opening speech at the rally. Doug Kaufman of ANSWER-LA also gave his solidarity statement at the rally.

Filipino World War II Veterans John Aspiras, Pedro Morante and Eliseo Tomines thanked the crowd for their support for the Àght for equity and justice.

FASGI’s Asst. Executive Director Bernie Ganon spoke in behalf of veterans survivors and asked the JFAV supporters to keep the Àre for

See TAGLE VISITS, page 8

See FIL-AM VETS, page 8

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Tagle visits Lumad Kampuhan, shows support to Lumad call for peace Manila City – Manila Archbishop Luis Antonio G. Cardinal Tagle visits the Manilakbayan camp in Liwasang Bonifacio today, in support of over 700 Lumad who held a camp-out for the Manilakbayan ng Mindanao.

Arriving at six in the morning, unannounced, Manilakbayanis were very happy and appreciative as Tagle went to walk around the camp, and shook hands with Lumad leaders.

The Archbishop had a talk with Bai Bibyaon Ligkayan Bigkay, woman tribal chieftain of Pantaron Manobo. Bai Bibyaon expressed

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$YRLG IRUHFORVXUH ZLWK D ORDQ PRG RU VKRUW VDOH There are many solutions available to homeowners falling behind on their payments. Most people think Bankruptcy is the only option, short of just letting the Bank take their home. Bankruptcy is a good option, and while it can strip off the second trust deed if the home is upside down in current value, bankruptcy cannot change the terms of payment on the Àrst mortgage. Frequently, we use a combination of strategies including bankruptcy to strip all secondary liens, modify the terms of the Àrst, and convert the adjustable to an affordable Àxed loan.

Some lenders offer workout options. Others want you to “catch up” all the missed payments Àrst. A few major banks have sent out letters to their borrowers, offering to modify and lower the loan balance if you meet certain qualiÀcations. However, in instances where you do not qualify for a loan modiÀcation, the home owner should deÀnitely consider a “Short Sale”.

Short Sale Facts.

If you are facing foreclosure, a short sale can be a beneÀcial alternative. It is an agreement with your bank or mortgage company, allowing you to sell the property for an amount less than what you owe. Usually, the bank requires an appraisal, and will accept an offer that’s relative to the current fair market value. Unfortunately, the seller (current home owner) cannot also be the new buyer.

What are the advantages of a short sale vs. foreclosure?

The main advantage of a short sale is preventing foreclosure and the consequences that foreclosure incorporates. Short sales are considerably less damaging on credit ratings than foreclosures. Remaining on your report for up to 7 to 10 years, a foreclosure is often times more damaging than a bankruptcy, (unless it’s included in a bankruptcy), and may take you 3 years or more to re-qualify for a new home loan.

While Short sales may be reported to the credit bureaus, they are noted as “paid in full” or “settled for less than owed” and have far lesser effect on Àco scores.

2013 is a great year to complete a short sale, and get out of a property that is “under water”. Because a short sale allows the homeowner to sell their property for less than the outstanding mortgage debt, it creates a “deÀciency”, written off as a “forgiveness of debt” by the lender. In years past, debt forgiveness was considered taxable income. The lender would send out a 1099. Imagine adding $200,000 to your regular taxable income!

However, for 2012 and 2013, the federal government has given us a pass on debt forgiveness taxable income on short sales. However, it is wildly expected to end in 2013.

(Please note, this column does not provide tax advice. Always seek advice from a tax professional, when considering tax ramifications in

property sales) Short Sale Summary You can buy another home in as little as 12-18 months.

Under Mortgage cancellation Tax Relief Act of 2007 (H.R. 3648) Forgiven debt may NOT be taxed.

Get more time in your home, and avoid the threat of immediate eviction pending a short sale process.

Permanent tax free debt relief.

It usually takes 1-4 months to complete a short sale; you may remain in your home during this time.

May qualify for Government relocation assistance – up to $3000 What is a Loan ModiÀcation?

Loan ModiÀcation Facts A Loan ModiÀcation is usually a conversion from an adjustable (and uncontrollable) to a Àxed interest loan. It could also involve changes to one or more of the following: Interest Rate; Principal Balance and even forbearance on penalties. It also should bring the account current, creating a fresh start for the borrower. There are many reasons for seeking a Loan ModiÀcation, however not everyone can qualify. Most Lenders will tell consumers they do not qualify, or deny the Àrst attempt in order to collect the full amount due. Our law ofÀce will qualify you according to the lender’s guidelines and negotiate on your behalf to get the lender to accept your situation and thereby agree to the modiÀcation.

A loan modiÀcation will take the mortgage you now have and change the interest rate, terms or payment requirements in order to convert to a Àxed rate.

Changes in rates and payments do not require new closing costs, legal fees, survey, appraisal, or taxes. In contrast, if you “reÀnance” a loan you’ll be required to have a closing and be forced to pay a variety of fees and taxes.

If you are facing the dilemma of owing more than the property is worth, or you cannot afford your mortgage payments, give us a call.

Let’s see what my ofÀce can do for you.

Some people try this on their own, but get lost in the system and end up with an unnecessary eviction instead of a workout. That’s why a lawyer makes a difference. When a lawyer is involved, calls start to get answered and the letters responded to. This could make the difference between keeping your home or losing it.

Get the help you need. Call the Law OfÀces of Paul M. Allen. We have three locations to serve you: Glendale, Cerritos and La Palma.

My consultations are free, but it is by appointment only. Call now at 818-552-4500.

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Too much talk on ‘tanim-bala’ self-Ă agellation: DOT chief

MANILA, Nov 11 (Mabuhay) -Tourism Secretary Ramon Jimenez Jr. on Wednesday said too much media discussion on the alleged “tanim-bala� (bullet-planting) scam only hurts the interests of the country.

Speaking at the weekly forum at the Luneta Hotel, Jimenez said reports on the “tanim-bala� demonstrate the media’s tendency to discuss issues “to death until it actually injures our own interest.� “I am very concerned on both ends of it – not only because it is a symptom of corruption that we have yet to uproot, it is also a symptom that sometimes as a country we don’t know when to stop talking about something,� he said.

Jimenez said, from the perspective of the tourism industry, too much news on “tanim-bala� is like

“self-Ă agellation.â€? “We have this tremendous capacity for self-injury. Of course, it is making our competitors happy.â€?

Jimenez claimed it is only in the Philippines, where the press enjoys relative freedom despite the numerous cases of extrajudicial killings, where travel advisories from other countries are being reported. “Travel advisories are private communications between one government and its citizens,� he said. “The Philippines is the only country where we broadcast travel advisories to the whole world. In other countries, it is handled very subtly and quietly.�

Jimenez said the crisis hounding the country’s premier airport has not had a negative impact on the country’s image as a tourist destination so far, even though the controversy has

already caught the attention of several major international news outĂ€ts. “The reality of it is, in real terms outside the country, it hasn’t really had that negative effect yet. In other words, you do not have massive cancellations, et cetera, as a result of it,â€? he said. “But it is a cause for concern precisely because you see that some of our countrymen—and this is true not just for the offenders, but for some of the people who talk about this issue—we have huge segments of our society who still have not gotten it into their heads... that there are over 6 million Filipinos who depend on tourism for their livelihood.â€? Jimenez said the Philippines is much more equipped now in dealing with image problems than in the past because of the administration’s efforts to market the country.

“[We] work doubly harder to make sure that the larger reality of the Philippines being an excellent place to visit is the one that comes across,� he said, when asked how the tourism department intends to cushion the impact of the scam on the country’s image. “Noong araw, iyung image natin was dictated by what was in the news. Hindi tayo nagma-marketing as a country. Now, we have a continuous image program for the Philippines so even when we have this problem, para na tayong Thailand, we get past it. We don’t let up now.

We don’t stop our investment on our image.�

Transportation Secretary Joseph Emilio Abaya earlier said the Philippine government started investigating since Day 1 reports of the alleged scam.

0RP RI ODJODJ EDOD ÂľYLFWLPÂś EDUHV 3 N WR 3 N H[WRUWLRQ WU\ MANILA, Nov 12 (Mabuhay) – The family of the American victim of the alleged “laglag balaâ€? scheme on Thursday told senators how airport police ofĂ€cers supposedly tried to extort P30,000 from them in exchange for dropping the investigation on the bullet found in the foreigner’s bag. “Sabi niya usually naman pinapalampas namin ang mga nagdadala dito, sinasabi namin anting-anting. Dito kasi pag inareglo P30,000 pero ‘pag napasa na sa headquarters, P80,000 na,â€?

Eloisa Zoleta, tje stepmother of 20-yearold Lane Michael White, told senators during a hearing on the alleged scheme.

She identified the policeman who made the offer as one Police Officer Junio. Zoleta said Junio asked her what her husband’s job is, to which she replied that her husband receives no salary as a preacher. She said the police

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ofĂ€cer also asked her about White’s job. “Ang sabi ko ang trabaho ng asawa ko wala kasi preacher po siya. Hindi po siya sinuswelduhan, si Lord na ang bahala sa Ă€nances namin. Sabi ng police ofĂ€cer ganun ba, ‘yung anak mo ano ang trabaho? Sabi ko kaka-resign lang po niya. Tutulong siya sa amin para mag-survey sa Coron, so kailangan niyang mag-resign,â€? she said. White, for his part, said a police ofĂ€cer named Rolando Clarin told him that if he will not pay P30,000, he might go to jail and be investigated. “He said if I don’t pay P30,000, I can possibly face going to jail and be investigated. That was PNP Rolando Clarin,â€? he said upon the questioning of Senator TeoĂ€sto Guingona III, chairman of the Senate blue ribbon committee, which is conducting the hearing jointly with the committee on public services.

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3 SET members eye postponement of voting on Poe DQ case MANILA, Nov 11 (Mabuhay) – At least three senator-members of the Senate Electoral Tribunal (SET) are mulling the rescheduling of its November 17 voting on the disqualiÀcation case against Senator Grace Poe. Senator Loren Legarda said she may ask her colleagues to move the date of their voting as she would need more time to study the matter.

Legarda said at present, she is swamped with paperwork in connection with the proposed 2016 national budget, being the chairperson of the Senate Ă€nance committee. “Ang daming trabaho sa budget,â€?

Legarda told reporters. “Ako, ang point ko itong budget biglang dumating galing sa House [of Representatives]. Nag-aaral ako bilang chair ng budget at ang interpellations buong linggo. Hindi biro ang issue sa SET, I’ll check kung pwedeng i-move para pag-aralan nang husto.�

The Senate received the House-approved proposed 2016 General Appropriations Act (GAA) on Monday.

In a separate interview, Deputy Minority Leader Vicente Sotto III, another SET member, said he supports the idea of moving the schedule, considering the work they need to do regarding the GAA. “I don’t have enough time to pen my decision sa dami ng schedules namin, so I would support the idea of moving it probably a week or so after the budget,â€? he said. “I see the point of Sen. Legarda, mahirap yung chairman ka ng committee on Ă€nance,â€? Sotto added.

He said it is important for the Senate to expedite its deliberation of the budget bill in order to pass it

before the end of the year. “Pinakaimportante ‘yung GAA. Yung decision sa SET nakakapaghintay ‘yun. Yung GAA hindi makakapaghintay. Madi-delay kaming lahat,� Sotto said.

Sotto said he is already writing his decision on Poe’s disqualiĂ€cation case, but he might not be able to Ă€nish it in time for Nov. 17. “Because of the work here at the Senate right now, I am not ready and I don’t think the chairman of the committee on Ă€nance will be ready,â€? he said. “One or two weeks maximum. Wala naman mawawala kung magdi-decide ng one or two weeks after ng APEC, baka Ă€rst week of December puwede na ‘yun, wala nang problema,â€? he said.

Senator Cynthia Villar, another SET member, said she would agree with the rescheduling “kung meron naman silang valid reason.�

Villar said she is waiting for the briefer that would be distributed by the SET secretariat. “I want to read the memo na ibibigay nila sa amin. Baka may nakikita sila na hindi namin nakikita,� she said.

Aside from Legarda, Sotto,and Villar, the other members of SET are Senators Bam Aquino, Pia Cayetano, and Nancy Binay, and Associate Justices Antonio Carpio, Teresita Leonardo-de Castro, and Arturo Brion. The tribunal is headed by Carpio.

Poe is the subject of a disqualiÀcation case Àled by Rizalito David before the SET on allegations that she is not a natural-born Filipino, a requirement for senators under the 1987 Constitution. (MNS)

$3(& VWDUWV QHWZRUN WR KHOS VPDOO EXVLQHVV JHW ORDQV MANILA, Nov 12 (Mabuhay) – The Asia-PaciÀc Economic Cooperation (APEC) on Thursday started a multisectoral network to expand the access of small enterprises to mainstream Ànance.

The Philippines, in collaboration with international organizations, launched the Financial Infrastructure Development Network (FIDN) on the heels of the Cebu Action Plan endorsed by APEC finance ministers in September.

Launched last September in Cebu City, the Cebu Action Plan is a 10-year development roadmap for APEC member-economies. Its four pillars are Ànancial integration, Àscal transparency and policy reform, Ànancial resiliency, and infrastructure development and Ànancing.

Aside from the Philippines which represents other APEC members, the FIDN comprises the International Finance Corp. (IFC), APEC Business Advisory Council, SME Finance Forum and Organization for Economic Cooperation and Development. “It is not hard to see that the contributions of micro, small and medium enterprises (MSMEs) to the national and regional economy are signiĂ€cant,â€? Finance Assistant Secretary Teresa Habitan told reporters in a brieĂ€ng. “However, MSMEs have also been observed to have very low access to credit. This is the situation we need to address,â€? she added.

In 2007 to 2012, small and me-

dium enterprises accounted for 65 percent of the national labor force, 40 percent of gross domestic product (GDP) and 29 percent of exports in Asia and the PaciÀc.

Small businesses in the Philippines are responsible for 61 percent of total employment, 35.7 percent of gross domestic product and 20 percent of total exports.

But only 15 percent of MSMEs in the region have access to credit with 22 percent citing difĂ€culties in accessing Ă€nance, Habitan said, citing the latest data from IFC, the WB’s investment arm for the private sector. ‘The real issue’ The credit shortfall across Asia-Pacific is around $839.24 billion. The credit gap in the Philippines alone is valued at $11.71 billion on average or $3,007 for each enterprise. “The real issue why MSMEs struggle to get Ă€nance is that they need to grow their business,â€?

Tony Lythgoe, practice manager for Ànancial infrastructure and access at the World Bank, said in the same brieÀng.

Lythgoe noted that banks are unable to assess the creditworthiness of MSMEs that cannot provide the information and collateral typically required of borrowers.

In this light, the FIDN is advancing proposals to establish more credit information bureaus and policy reforms to enable banks to accept other forms of collateral.

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7LSV WR DYRLG EHLQJ DQQR\HG IRU 86 EDVHG EDOLNED\DQV JRLQJ KRPH IRU WKH +ROLGD\V America, as they say is the “land of the free,� and for most of us who now have settled here, freedom and independence are both very important to us. However, per my recent visit back home, I missed being the ultra independent person that I am, to the point of being annoyed because suddenly, the freedom we have all been used to here is nowhere to be found there.

Tip #1. Make sure you’re aware of the horrendous TRAFFIC situation in Metro Manila, particularly during weekdays; it usually takes two to three hours to go from one point to another, which is really annoying.

Try NOT to go through EDSA, which is the main hub, running from the border of Bulacan up north all the way south to

Bicutan and Laguna. Unlike here in LA, people can divert through side streets that can lead you to the direction where you’re going or rely on your car’s or phone’s GPS systems.

In Metro Manila, one can’t escape from TRAFFIC jams even on “side streets.â€? Part of the reason for these trafĂ€c jams is street construction, where most politicians running for public ofĂ€ce have to “maximizeâ€? their budget to enable them to have a “reasonâ€? to be elected by placing

banners where their supposed “construction projectsâ€? were set up, giving them relevance and something to “show for.â€? So, if you’re planning on going back home for the Holidays, try to ARRIVE at NAIA (airport) on a Sunday, when there’s lesser trafĂ€c to go through wherever you wish to go.

Tip #2. If you’re renting or borrowing a car you can drive, be aware of various types of UNDISCIPLINED drivers on the streets with no regard for driving laws. We were almost hit twice while on our way bringing a friend home; once, by a tricycle with a passenger who swerved in front of us cutting through two lanes to enable the driver to make a u-turn and the other was a fully-packed jeepney whose driver pushed his way through in front of us while we were in-between two large buses.

Otherwise, your other solution is to have friends drive you around, but that is another story in itself, because you are “at the mercy� of people who may not be able to drive you because they’re on a “coding� system, or they’re already near the place where you’ll be meeting.

The most annoying part of course, is when you lose your freedom and independence to just drive and go wherever you need to.

Tip #3. In borrowing or buying a cell phone to use while you’re there, make sure you have a DUAL capacity phone system. By DUAL, that means you can call BOTH on GLOBE and SMART systems. While I was grateful for the thoughtfulness of my nephew

Richard who lent me his GLOBE phone, I learned early on that when you use a Globe system and you happen to call a number on a Smart system, your phone’s “LOAD� has been maximized and you experience dropped calls where unbeknownst to you, the person you’re talking to on the other line is gone.

Again, this was really annoying unlike our various phone systems here, where you can pick and choose the kind of fee-based coverage you desire.

Tip #4. Due to CLIMATE change, the weather might still be very humid during the months of November and December. Try to wear summery, loose clothing in order to alleviate the humidity in your body, as you tend to wish taking a shower three times a day.

I remembered visiting there in January, and it was a better option as one wouldn’t feel the humidity due to the more temperate weather condition.

Speaking of options, the best advice I can give you if you wish to go home for the Holidays and you wish to experience the various, wonderful sights our country offers, there are DIRECT Ă ights now available and heavily promoted by several airlines that serve our balikbayans.

As an example, you may now take advantage of direct flights from LAX to Cebu, LAX to Vigan, LAX to Boracay, LAX to Palawan, LAX to Clark and many other selections.

Finally, here’s wishing you good luck, have fun with your family and loved ones and have a safe trip back home.

Roxas: Canceling bus franchises as tra௝c solution MANILA, Nov 12 (Mabuhay) – Administration standard bearer Mar Roxas’ proposal for a streamlined system of bus franchises is just a “preparatory stepâ€? toward the establishment of a single operator bus system in the country, an ofĂ€cial from his campaign said Thursday.

In a statement, Akbayan party-list Rep. Barry Gutierrez, the Liberal Party spokesperson, said it is Roxas’ intention for the country to have a bus system similar to one adopted by major foreign cities.

He said Roxas’ proposed termination of existing franchises was never envisioned as the complete solution. “It was instead intended as a preparatory step towards the establishment of a single operator bus system similar to that adopted in major cities throughout of the world,�

Gutierrez said in a press statement.

Roxas bared his plans for changes in the capital region’s bus system in a campaign video posted online.

In the video, Roxas, a former DILG secretary, told actor Daniel Padilla: “Babaguhin din natin ang sistema sa pagbibigay ng prankisa sa mga bus... kahit i-Google mo ‘yan sa buong mundo, wala kang makikitang siyudad na tulad ng Maynila o Kamaynilaan na iba-ibang nagmamay-ari ng mga bus.�

The plan came under Àre from Sen. Chiz Escudero, the running mate of Roxas’ rival for the presidency, Sen. Grace Poe.Escudero described Roxas’ proposed solution as knee-jerk.

He said that Roxas’ proposal was not only “anti-businessâ€? but also “anti-poorâ€? because it will negatively affect the riding public, who depends on buses in the absence of an efĂ€cient rail transport system. “We should be careful not to rush to knee-jerk solutions that would only exacerbate the situation in Metro Manila’s three major rail transit systems, especially the problematic Metro Rail Transit Line 3 (MRT-3),â€? Escuero said.

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+DUG HYLGHQFH UHTXLUHG WR SURYH GLVVLSDWLRQ RI DVVHWV VHQLRU VHHNV &KDSWHU UHOLHI IRU . GHEW There are clients who received a large amount of cash before they Àle for bankruptcy. They may have received cash from a reÀnance of their residence with net cash out, obtained a business loan, or sold an asset.

These, and similar type of transactions, generate cash for clients which have been used up, and somewhere along the line, something goes wrong, and they decide that they need bankruptcy relief from debt. Bankruptcy trustees generally watch out for these kinds of transactions because they may be able to get some of the money back as preferential transfers. The bankruptcy code provides for a look back period of 90 days pre-Àling for consumer debtors (not business) for amounts over $600 paid to ordinary creditors, 12 months paid to creditors who are insiders, and transfers of assets absolutely or by way of security other than in the ordinary course of business made 24 months before the bankruptcy petition is Àled. Some trustees have a look back period of 48 months because the California Civil Code has this period of look back for transfers that defraud creditors, assuming other factors such as transfers for less than fair market value are present that possibly makes the transfer avoidable.

In all of these situations, the best defense is documentary evidence that proves that the money was used for the right reasons. For instance, if you cashed out $100K when you refinanced your house 10 months ago and you don’t have that money anymore, you must be able to explain how the money was used, and more importantly, you must have the documentary evidence to prove that your explanation is true and correct.

Let’s say that your explanation of how the $100K was used is as

follows: 1) $20K was used to get a new roof 2) $30K was sent abroad to pay for the medical expenses of your father who lived abroad and did not have medical insurance 3) $20K was used as a down payment to buy your retirement condo with a mortgage of $80K 4) $20K was invested in a business, which is now defunct 5) $10K was used to pay the college tuition of your son.

This accounts for $100K. It’s well and good that you testify at the hearing that the $100K was used that way. Even though your testimony is under penalty of perjury, you need to corroborate your testimony with hard evidence. Hard evidence consists of documents that prove what you are saying.

To prove that your net cash out was $100K, you must provide the escrow papers. Contract with the roof repair company, copies of the medical bills of your father and the wire transfers sending the money, copies of the mortgage for the condo abroad, an internet assessment of the market value of the condo abroad, copy of the check that paid the $20K business investment, and copies of the college tuition fees statement.

Copies of the checks covering the payments made must also be provided. Without hard evidence, the trustee does not have enough basis to believe what you are saying and may be inclined to dismiss your case for lack of evidence to prove dissipation of assets. I had a recent

case where debtor owned a business with a lot of inventory destroyed by Àre. Debtor received an insurance payment of $175K but could not provide hard evidence of how the money was used up. He testiÀed that the money was used to pay back salaries and to restart the business but could not provide any more evidence to corroborate his testimony. Case was dismissed.

So, don’t throw away your hard evidence. Gather them and compile them into an easily readable format so that in case you have to Àle for bankruptcy relief, you have a bulletproof defense to justify the fact that you used the cash legitimately.

On another note, 68-year old senior tells me that he wants to Àle a Chapter 7 case for $5K of credit card debt. I was taken aback because he only owed $5K. I asked him why he wanted a bankruptcy for $5K of credit card debt.

He said his social security is $1000. He lives with his daughter but pays her $500 of rent, leaving him with $500, which he uses for gas, car insurance and his credit cards. He says he pays $150 a month to keep the $5K current, and he’s been paying it for 20 years! He said he’s just tired of paying for it and just doesn’t want to pay it anymore.

So, at 68 he wants a fresh start without debt, even if its $5K. The amount of debt owed becomes a burden depending on how much your income is.

The best situation is where you don’t owe any short term or credit card debt. Long-term debt for the purchase of a house is good because the house normally increases in value over time. This means that you’re not wasting your money. And in the meantime, you have a nice house to live in and raise a family.

After paying the house for 20 years, barring a major catastrophe in the economy, the value of the house will probably double or triple if its in the right location. So you can look at a house as a safe investment over the long run. Hence your house payments are not wasted. But with credit card payments, you’re basically throwing your money away.

Even if it took client 20 years to Àgure out that he was wasting his $150 monthly payment on the $5K credit card debt, he Ànally realized that he threw away $36K to keep $5K of credit card current. It’s never too late to get rid of your debt. But getting rid of your debt is the right thing to do at any age. My oldest client was 92 and he still opted for Chapter 7 to get rid of $20K of credit card debt. He migrated here 70 years ago to work in the pineapple plantations in Hawaii. I don’t know how he keeps young, but at 92, he looked about 60 and his wife is only 38. He said his plumbing still works well.

Enough said. “THIS IS THE MESSAGE WHICH WE HAVE HEARD FROM HIM AND DECLARE TO YOU, THAT GOD IS LIGHT AND IN HIM IS NO DARKNESS AT ALL.� 1 JOHN 1:5.Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, MAILSTOP 58, Building A-1 SUITE 1125, Alhambra, CA 91803 OR at 20274 Carrey Road, Walnut, CA 91789.

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veterans’ equity burning. She was with Àve other women survivors representing their fathers and husband veterans Jollene Levid, A3FIRM National Leader called on the crowd to Àght systemic racism, discrimination against women survivors and called for beneÀts for veterans and all 68,000 survivors.

PCORE Program manager Christine Araquel-Concordia traced the struggle from 1993 and the present struggle for 69 years that the Filipino Veterans and their survivors remained unrecognized and America’s promised unfulÀlled.

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the Paris attacks on the APEC summit, Foreign Undersecretary Laura del Rosario, a member of the summit organizing committee, told AFP by text: “Higher security.”

Foreign department spokesman Charles Jose added: “Our security ofÀcials are monitoring and assessing the situation and are taking necessary precautions to ensure the safety, security and well-being of all delegates.”

The Philippines has swept about 20,000 homeless from the streets, cancelled more than a thousand Áights, deployed 18,000 police and declared public holidays in Manila to ensure a safe and efÀcient summit, the organizers have said.

Major streets in the usually chaotic capital are being closed to trafÀc to speed up the shuttling of delegates, with police asking building owners to close their windows to prevent their use by snipers.

The Philippines has a long history

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BAMBU, a well known Fil-Am Rap Artist and also an American Veteran of America’s war abroad was featured in the rally and regaled the youthful crowd with a free concert.

4th JFAV Rally In Hollywood JFAV National Coordinator Arturo P. Garcia said, “The groups assemble at 10:30 a.m. for a pre-rally that started at 11 a.m. at Hollywood and Ivar.

They also did a four minute diein in front of the CNN building to protest the mainstream American media’s like the CNN ignoring the Filipino veterans struggle.

of Islamic militancy in a southern region about 1,000 kilometers (600 miles) from Manila, although extremists have also carried out deadly attacks in the capital.

APEC has 21 member-economies, but Russian President Vladimir Putin has told the hosts he is skipping the meeting.

Indonesia’s foreign ministry also said President Joko Widodo would be absent, while the hosts said the president of Colombia was attending as an observer.

US President Barack Obama led a chorus of global condemnation of attacks in Paris that killed more than 100 people Friday, as nations pledged solidarity with France and vowed to help hunt down the perpetrators.

The shootings, explosions and a hostage-taking at a popular concert venue in the French capital reverberated around the world, especially in countries such as the United States, Britain and Spain, previous scenes of devastating acts of terror.

Lumad brothers and sisters, and the disbanding and disarming of paramilitary groups.

The Archbishop also called for justice to prevail and that perpetrators of lumad killings must be prosecuted.

Just like Pope Francis’ statement on the minorities, Tagle recognized the church’s “shortcomings and faults” on what is happening to the indigenous people. Hence he called for everyone to sit down, discuss, and unite in Ànding a resolution to the problems faced by the Lumad in Mindanao.

Tagle stated that his statement was a product of a collective discussion with the bishops in Mindanao

and that the Roman Catholic Church is one with the Lumad of Mindanao.

Manilakbayanis were happy for the support shown by the religious community.

“We were emboldened for his presence, that he would come and see our plight personally. It adds to our determination that we have the support of the church people here in Manila.

We know that we are not alone in our call,” said Jomorito Guaynon, spokesperson of Manilakbayan 2015.

Matanem Monico Cayog, one of the Manilakbayan leaders tied a tubaw, a traditional head garment, to Archbishop Tagle, as a symbol of gratitude.

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ation (APEC) Summit next week to speak up regarding the controversial maritime disputes in the South China Sea or West Philippine Sea. Golez argued that the waterway has been a vital shipping route in the world, which is why ensuring freedom of navigation in the area is not just a security matter but also an economic matter.

He added that any disruption in the freedom of navigation will affect trade in the area.

APEC has usually stuck to discussing economic matters only while avoiding discussions of thornier political issues.

In a manifesto read by Golez before a news forum in Quezon City, the group said China’s actions in the West Philippine Sea threaten the stability of the Asia PaciÀc, particularly because China forbids vessels from

other countries from going near their structures in the disputed waters.

Golez also said that China’s construction in the disputed waters has destroyed coral reefs and other marine resources that affect one of the largest ecosystems in the world which in turn affect the livelihood of people.

Golez said the reclamation activities of China in the disputed waters also impact on the Àshing industries in the region, affecting about 300 million people.

Aside from calling on APEC to discuss the maritime dispute, Golez said APEC should also condemn China’s nine-dash claim on the disputed waters, and ask China to stop construction and reclamation and to uphold international law by subjecting itself to the arbitration case Àled by the Philippines.

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On Tuesday, November 10, 2015,Glendale Galleria invited us to their 2015 Holiday Retail Panel, where Kimberly Ritter-Martinez, Economist with the Kyser Center for Economic Research was the guest speaker, introduced by Brent Gardner, Senior General Manager of the Galleria. Ms. Martinez spoke about Glendale Galleria’s 2015 holiday retail sales outlook.

Along with her speech was a chart presentation handout on the US Economy. She stressed a low GDP trajectory though accelerating, where labor markets both in the US and California are nearly healed, and adding jobs are at a steady pace.

Further, she explained that consumers tend to spend more when their incomes are up, as shown in the Consumer Price Index chart, where there was a percent change from a year ago.due to wage gains which were outpacing inà ation, thereby increasing people’s purchasing power.

Noiticeable too, according to Ms. Martinez, was that consumer credit is expanding through credit cards with revolving debts and nonrevolving debts such as student loans.

Therefore, consumer debt is on the rise when it becomes a percentage of disposable income.

As for the State of California’s economic outlook as well as that of the County of Los Angeles, Ms. Martinez pointed out that both LA County and the Inland Empire have higher unemployment rates (LA County - 6.2%) and (Inland Empire - 6.1%).

Comparatively, Ventura County has 5.3%, while San Diego County has 4.6% and Orange County has 4.0%.

Their forecast for 2016, however is that LA County’s employment will grow exponentially to thousands of

jobs (around 168,000) particularly in the health care and social service industries as well as in the Àeld of construction.

In her summary, Ms. Martinez also pointed out that California’s job gains continue to outpace the nation, mainly due to the substantial increase in the housing and construction industries as well as the very strong health care sector, business services, leisure and hospitality industries. And of course, Southern California’s economy will be on the rise due to private sector job gains and a steady decline in its unemployment rate.

Finally, in her 2015 holiday shopping forecast, Kimberly Rittter-Martinez said that overall, US retail sales are expanding, particularly on non-store retail sales such as e-commerce which includes companies such as Amazon, which now has a couple of stores in Southern California located in Redlands and Moreno Valley. Included in their company’s economic analyses presentation, the chart showed what consumers are buying and on top of the list are motor vehicles, followed by gas and gasoline services, dining and entertainment services, electronic appliances and drugs as well as prescriptions. As for consumer spending predictions this Holiday season, the chart showed by Ms. Martinez had clothing on top of the list, followed by gift cards, electronics, games and toys, food and liquor.

In closing, Ms. Martinez said that holiday retail trends in shopping for consumers is at its peak during the month of December, making Black Friday less important, and 2015 sales are forecast to rise 3.7% compared to last year.

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HEALTH & BEAUTY

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Playing football, handball or basketball in teen years could help prevent osteoporosis Wednesday November 11 2015 (Relaxnews) – If played at a young age, team ball sports such as football, handball and basketball are better than swimming in helping to strengthen our bones during adulthood and preventing osteoporosis, says a new Spanish study.

Osteoporosis is deĂ€ned as a loss of bone resistance which predisposes the sufferer to fractures. It is considered to be an age-related process rather than a disease. This ‘silent’ condition, as it is symptom-free, affects men and especially women from the menopause onwards, i.e., after 50. It leads to a loss of bone density and fractures, mainly of the vertebrae, hip and wrist.

Physical activity is known to inĂ uence bone health. But which sport is best? That is the question researchers at the University of Castilla-La Mancha in Spain sought to answer.

The team selected 200 girls aged between 9 and 13, then divided them into 5 groups in accordance with the sport they practiced (swimming, football, basketball, handball, as well as a control group who did not do any extracurricular sport). Each of these groups consisted of two subcategories of prepubescent girls (before puberty) and pubescent girls (during puberty).

The researchers performed two

types of tests on the participants: a Tanner test (which measures physical maturation based on primary and secondary sexual characteristics), and a bone density test to determine their body composition (bone mass, fat mass, and muscular mass).

It appears that sports with a high osteogenic effect (relating to bone tissue formation) such as football, basketball and handball, if practiced at a young age, ensures a greater accumulation of bone mass than other sports with a low osteogenic effect such as swimming, the researchers said. As swimming takes place in a weightless environment, the bones experience a lower mechanical load.

They also suggested that the 2 hours of sport per week at school is not enough to assist in the acquisition of bone mass at a young age. “The results reveal that sport type is a variable that can have an inĂ uence on bone health in girls during childhood. These data may be useful as a method for preventing bone diseases in adulthood,â€? concluded Esther Ubago Guisado, the main author of the study which is published in the Journal of Sports Sciences.

According to the Spanish Society of Rheumatology, 1 in 3 women and 1 in 5 men will suffer an osteoporosis-related fracture after the age of 50.

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,I \RX ZDQW WR EH KDSS\ HDW YDQLOOD À DYRUHG \RJXUW Tuesday November 10 2015 (Relaxnews) – European researchers have revealed that our mood is inà uenced by being pleasantly surprised or disappointed by the taste of food. The team applied this concept to yogurt and discovered that vanilla had a much more positive effect than other à avors. To determine the implicit emotion, or unconscious emotional response, produced by eating certain food, a research team from the Netherlands, Austria and Finland conducted an experiment using yogurt.

Three groups of at least 24 participants had to taste pairs of yogurts, each of which had the same brand and was marketed in the same way.

The only difference between them was the Ă avor and the fat content.

The team used a new method called the Emotive Projection Test which consisted of showing the participants photographs of various people.

The volunteers then had to rate the people on six positive and six negative traits. The underlying idea was that they would project their emotions onto these other people, so that their judgment of others would give an indication of their own mood.

The results, which were published in the journal Food Research International, revealed that liking or being familiar with a product had no effect on emotion.

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'DQ 9LOOHJDV $QWRLQHWWH -DGDRQH 7KH 7DGKDQD 7DQGHP Happily ever after. That’s the hope and promise of romance. Television and Àlm have been searching for happily ever after since the beginning. A new perspective on this subject can be refreshing. The award-winning tandem of Dan Villegas and Antoinette Jadaone explore this genre and brings something else into the mix, which is tadhana.

“Destiny = Forever” is the theme that these two wonderfully creative artists in Philippine Cinema today unintentionally use as guide towards having a perfect relationship. Is happiness meant to be ever after?

Well, only if it’s destiny. This subtle and interesting exploration of letting tadhana take its course to achieve happiness in Ànding true love, is an unusual and artistic depth that this couple brings to a well known form of artistic expression.

Their millions of viewers have been touched by the romantic comedies that showcased the successful blending of their talents. Movies like “English Only Please”, “That Thing Called Tadhana”, “You’re My Boss”, and “The Breakup Playlist”, to name a few, were collaborative works that are also reÁective of their passion for each other. It’s rare when a passionate couple is making great art together.

When two people Ànd their soulmate in each other, sparks Áy. That’s what happened when Dan met Antoinette (aka Tonet). Their own love story is like a compilation of their box-ofÀce hits. When I sat down and spent time with this adorable couple, I asked them to tell me their story.

Dan was quick to say, “First time I saw her, I found her very attractive,” as he lovingly glanced at Tonet he continues, “I was completely smit-

ten. She was cute and funny.” They were brieÁy introduced to each other, and that was it for their Àrst meeting.

Years later, they worked on a movie project together and became friends.

Tonet shares an endearing trait that attracted her to Dan, “Tinodo ni Dan ang panliligaw, sending me Áowers, picks me up regularly, he’s just very thoughtful.”

Their relationship is going on 3 years now. How do they manage their professional and personal lives?

The answer is simpler than it seems.

They work together. Dan jokingly says, “ Always say yes.”

One thing that they have going for them is that their talents lie in different parts of production. He is a gifted cinematographer, she is a gifted writer. They are both very good directors but with their diverse creative backgrounds, this makes them a yin-yang good Àt of different skill-sets. Dan explains further, “I’m objective. She’s emotional.” Being in the same industry means they both understand the gruelling schedule of their work. Then he elaborates,“Last year, 2014, was hard because we worked on 4 Àlm projects. What to prioritize? Our projects or our relationship? But we survived,” looking mushy at Tonet as he continues, “because what we have is true love.”

Then Tonet adds, “We clashed most of the time. Then we decided to have a compromise. Kung sino ang

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direktor, siya ang masusunod. Then in time we grew into each other’s system.” Yes, opposites attract and they also complete each other. Living in the entertainment industry, you’re in your own world. Dan explains, “Mahirap magkaroon ng relationship with someone not from the industry dahil maraming hindi maiintindihan,” then he continues, “schedule pa lang, selos factor na iyan, hindi nila maintindihan. Nakakailang.

Parang OFW ang lifestyle because you’re on location shooting for days.

Ang hirap.” Some people say that you should avoid going out with someone in the same industry. ConÁict of interest and competition can kill the romance.

However, one of the factors that make a relationship work is commonality. Having a shared interest that a couple can both relate to is just as important as their genuine love and respect for each other.

Their current and on-going project is the hit rom-com television series, “On the Wings of Love”.

This is their Àrst venture into television as directors. Antoinette, who was in the series from the beginning had some reservations, “Gusto ko talaga sa Àlm kasi parang life consuming project ang TV series,” and with a childlike laughter she says, “parang kinain ko ang sinabi ko because now I am very involved with this show and I like it.” Not only did she eat her words about working on a television series but now Dan is involved in it too. Even though this show is an additional challenge, they face it together just like anything else.

Their TV project has not slowed down their collaboration on Àlm. The upcoming movie, “Walang Forever”, is written by Antoinette Jadaone and directed by Dan Villegas. This is the

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couple’s entry to the 2015 Metro Manila Film Festival. “Walang Forever” stars the award-winning talents of Jericho Rosales and Jennylyn Mercado. It promises an exceptional artistic standard that’s charming. It’s inspired by real people and situations that also aesthetically captures the local Áavor. The teaser was released last month and it already has almost 3.5M views on different social media sites. In this one-minute-35-second movie trailer, my interest was captured by the man-on-the-street interviews answering the question, “Naniniwala ka ba sa forever?”

The collection of anecdotes are hilarous. But what got my attention is in the last 28 seconds of the clip.

It’s when the character of Jericho Rosales confronted Jennylyn Mercado’s character. He looked her in the eye as if examining her soul and all he said was, “Miss...” , which got her tongue-tied and confused as she responded nervously to him, “wala, walang forever,” then immediately diverted to her optimistic point of view, “meron, may forever.” My heart melted.

Finding myself quoting lines from the movie’s trailer is in itself remarkable. This is the magic that Dan and Tonet give us for entertainment.

Their work captivates the heart of their audience. We fall in love with the characters, the story, and the whole movie. A good story told well is worth following.

Will the characters in this Àlm overcome the obstacles that life puts in their way along the path of Ànding true love? Or are the hurdles that the couple face part of their destiny?

Knowing how their other Àlms have played with the concept of tadhana, the only thing we know for sure is it will be worth watching.

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Balita The leading source of News and Information for the Filipino American Community

“We are bafĂ ed how come they could have themselves interviewed and not do their duty as lawyers... we call on this court to give them sanctions under the Judicial AfĂ€davit Rule. This court has been lenient with them already in the past hearing when they asked for time to print their affidavits; how many times will this court be lenient to them?â€?

Prodigalidad told the justices.

For their part, Angeles and Paglinawan apologized to the court but stressed that they got sick, including their lone assistant, and the reason why the copies e-mailed to respondents were unnotarized was because there was difĂ€culty in scanning the notarized pages. “All our scanners decided to conk out at the same time, your honors.

This is a simple technical difÀculty,�

Angeles said.

Prodigalidad attempted to have the Menorcas’ afĂ€davits stricken off since they were submitted beyond the agreed deadline, but the court decided to accept them “in the interest of justiceâ€? with a corresponding Ă€ne of P2,000 consistent with the Judicial AfĂ€davit Rule. “We want to know the truth,â€?

Justice De Leon said.(MNS)

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MANILA, Nov 11 (Mabuhay) – Jinky Otsuka Menorca, wife of expelled Iglesia Ni Cristo (INC) member Lowell Menorca, admitted Wednesday that she and the rest of her family were able to go to various places at the time of their supposed detention, but her lawyer clariĂ€ed that the family had always been “under guardâ€? by the church.

Jinky was cross-examined by the counsel of INC leaders Salvador PeĂąa at the resumption of the hearing on the habeas corpus and amparo petition of Anthony Menorca and Jungko Otsuka for and on behalf of Lowell.

PeĂąa’s questioning focused on “inconsistenciesâ€? between the afĂ€davits of Jinky and her sister, Jungko, speciĂ€cally on the following aspects, among which was Jungko’s claim that she visited the Menorcas at the INC apartelle in Quezon City on July 25. Jinky said this did not happen and “that (date) must be an error.â€?

PeĂąa was also able to elicit responses from Jinky that showed she and the rest of her family were able to leave their apartment/quarters for church, the gym, badminton court, the canteen and the other facilities inside the INC Central compound in Quezon City, go to the hospital, and even bring their balikbayan visitors to the Philippine Arena in Bulacan during the duration of their alleged detention.

Jinky also admitted that they brought their daughter to the hospital for check-up. She, however, upon redirect by her counsel, Trixie Cruz Angeles, said these occasions were all in the presence of INC “guards.�

Asked by Associate Justice Elihu YbaĂąez if these guards were armed, Jinky said there were occasions that they had bags with them that contained guns.

Meanwhile, the the lawyer for INC leaders also asked the appellate court to impose sanctions on the camp of Menorcas.

Atty. Patricia Ann Prodigalidad, counsel for respondent Eduardo Manalo, et al., asked the Court of Appeals (CA) 7th Division, chaired

by Associate Justice Magdangal De Leon, to impose sanctions on the Menorca camp for failure to furnish respondents with copies of the Judicial AfÀdavits of their witnesses on Nov. 5 (deadline for furnishing of copies by email) and Nov. 6 (deadline for furnishing of hard copies) as agreed during the November 3 hearing.

Prodigalidad also called out Menorca counsels Angeles and Ahmed Paglinawan for manifesting intent to furnish respondents with copies of the affidavits of Lowell and his brother, Anthony, only today, calling this an act to “clearly ambush respondentsâ€? and “surprise respondentsâ€? with afĂ€davits not previously provided them.

Prodigalidad also slammed Menorca’s counsels for the e-mailed copies of Jinky Menorca and Abegail Yanson furnished them for being unsigned and unnotarized, and coming from an e-mail with the name “cyclonerangerâ€? which is not the ofĂ€cial email address provided the court.

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OPINION

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5HG &URVV PRUH UHOLDEOH WKDQ JRYW 1RW FRRO $VLDQ 3DFLÂż F &DXFXV The Philippine Red Cross completion of the projQRW SOHDVHG ZLWK &$ÂśV LPPLJUDWLRQ (PRC) should be commendect, Gordon said PRC GHFLVLRQ RQ 2EDPD (2 ed for the construction and personnel involved the

Washington, DC – On Monday, November 9th, the Fifth Circuit Court of Appeals in New Orleans ruled 2-1 to uphold a preliminary injunction temporarily blocking President Obama’s Deferred Action for Parents of Americans and Lawful Permanent Residents (DAPA) program and the expanded Deferred Action for Childhood Arrivals (DACA) program. Congressional Asian PaciĂ€c American Caucus (CAPAC) Chair Rep. Judy Chu (CA-27) and CAPAC Immigration Task Force Chair Rep. Michael Honda (CA-17) issued the following statements: Congresswoman Judy Chu (CA-27), CAPAC Chair: “The disappointing decision by the Fifth Circuit has only delayed the inevitable need for action to protect the millions of aspiring Americans already living in the United States. Allowing immigrant families with deep roots in our communities to live in fear of deportation as they work, go to school, and contribute to our country is cruel. The path ahead now is clear. I am glad the Administration plans to appeal this decision to the Supreme Court, and I hope the Court will take up the case before the end of this term so we can get the resolution that we need. Legal scholars, mayors, law enforcement ofĂ€cials, religious leaders, and others agree that the President’s immigration actions are the legal and moral choice for our country. “Of course, we could avoid this prolonged Ă€ght altogether and provide immediate relief to millions of families if Congress would act to pass the common sense reforms we know are needed. But House Republicans continue to put politics and opposition before the needs of our country. We saw the will to Ă€x our broken immigration system when the Senate passed bipartisan immigration reform legislation in 2013. Our country needs a comprehensive solution to overcome the injustice of separating families and keeping millions in the shadows.â€?

Congressman Michael Honda (CA-17), CAPAC Immigration Task Force Chair: “We know we have a broken immigration system that needs real, lasting reform. The decision of the Firth Circuit decision is a step backward to the goals we are striving for, especially keeping families together – which only serves to strengthen our communities. Granting a commonsense deferment to the hard-working families who have been waiting far too long for us to act is the very least we can do. In Silicon Valley, we see Ă€rsthand the tremendous contributions and impact that our immigrant families have on building a strong and vital economy.â€?

Background: On November 20, 2014, President Obama announced a series of executive orders that would defer deportation for approximately 4.7 million aspiring Americans living in the U.S. The largest initiatives included an expanded Deferred Action for Childhood Arrivals (DACA) program and the creation of a new Deferred Action for Parents of Americans and Lawful Permanent Residents (DAPA) program. The expanded DACA program extends DACA eligibility to those who entered the U.S. before the age of 16, regardless of their current age, and who have lived in U.S. continuously since January 1, 2010. The DAPA program allows parents of U.S. citizens and lawful permanent residents to request deferred action and employment authorization for three years, provided they have lived in the U.S .continuously since January 1, 2010, and pass required background checks.

completion of a more disaster resilient homes for thousands of Ă ood victims in the typhoon “Yolandaâ€? ravaged areas of Eastern Visayas.

The remarkable accomplishment of the PRC was in stark contrast of what the Aquino government has done or hasn’t done to alleviate the sufferings of thousands of à ood victims still living in tents or sub-standard bunkhouses.

PRC Chairman Richard Gordon deserved to be back in the Senate for what he and the Red Cross have done for thousands of homeless Ă ood victim families.

I am sure Ă ood victim families will welcome Gordon “with open armsâ€? once he visits the devastated areas of Eastern Visayas.

Good thing President Aquino did not show up in Tacloban city marking the 2nd anniversary of Typhoon “Yolanda.â€? He will only get booed by thousands of angry Ă ood victim families he neglected for the past two years.

Meanwhile, Gordon disclosed in a recent news conference that Red Cross were able to build “decent and sturdy homes� for more than 66,000 families rendered homeless by the fury of typhoon “Yolanda.�

The Red Cross, according to Gordon, has already completed 86 per cent of its target number of homes being built in its shelter project under its Typhoon Haiyan Recovery Program.

Gordon said the shelter project of the Red Cross intends to provide “disaster resilient homesâ€? to 80,000 Ă ood victim families, most of who are living in the “tent cityâ€? of Tacloban in Leyte. The shelter project covers the provinces of Aklan, Antique, Capiz, Cebu, Eastern Samar, Iloilo, Leyte, Palawan and Western Samar, as well as the cities of Tacloban, Ormoc and Bogo.

The completed shelter homes for flood victims, according to Gordon, were built through the PRC housing project, employing the “build back better� principle for disaster resilience which have proven to withstand some of the strongest typhoons that came to the the Philippines after “Yolanda.�

In order to fast-track the construction and

typhoon victims themselves in building their shelter homes.

PRC officials also allowed flood victim families to take part in the consultations regarding the designs and plans for the shelters to be built.

It was reported that the construction of the shelter homes for Ă ood victim families in Eastern Visayas were undertaken through donations from kindhearted corporations and private individuals, Red Cross and Red Crescent Partners, as well as other foreign organizations.

It has been more than two years now since typhoon “Yolandaâ€? wrought havoc in several areas of the Eastern Visayas region. But as of this writing, nothing has changed or very little has been done by the Aquino government to improve the lives of the Ă ood victims.

While various government agencies involved in the rehabilitation efforts are still trying to get their act together, six more bodies in Tacloban city were reported to have been found by Àrewood gatherers at the back of a high school building. All of them remained unidentiÀed.

To speed up the rehabilitation of the Ă ood ravaged areas, President Aquino approved a P167.9 budget. However, because of politics and government red tapes, only P84 million has been released for the past two years.

What is sad is that Congress does not even know if these funds were really spent for the rehabilitation of the Ă ood ravaged areas. Politics should not interfere with the on-going rehabilitation efforts being undertaken by the government.

A congressional inquiry is needed to account for all the money spent in the rehabilitation projects as well as the foreign donations the government has accepted, through the DSWD. Survivors of Typhoon “Yolandaâ€? shouldn’t suffer more if the government’s response was efĂ€cient and swift and if we have a decisive and caring President. Too bad, what we have is a “brain dead,â€? vindictive and heartless President.

6& MXVWLFHV PD\ EH LPSHDFKHG LI WKH\ JR DJDLQVW 6DQWLDJR UHVROXWLRQ VD\V SURPLQHQW ODZ\HU 5RTXH METRO MANILA, PHILIPPINESThat was the position of Atty. Harry Roque when asked about possible repercussions of a contrary ruling of the Supreme Court regarding the Senate Resolution against the validity and effectivity of the Enhanced Defense Cooperation Agreement (EDCA).

The EDCA has been signed by Defense Secretary Voltaire Gazmin and US Ambassador to the Philippines Philip Goldberg in April last year, as part of the defense pact between the US and the Philippines. It has been characterized as an executive agreement, which supporters say is valid even without Senate concurrence. Those against it emphasize that in all respects it was a treaty, which required approval of the Senate for it to be valid.

Atty. Roque has long been opposing EDCA, and has in fact filed with the Supreme Court to declare it invalid, together with Former Senator Rene Saguisag, Dean PaciĂ€co Agabin, and lawyers Rachel Pastores and Evalyn Ursua. Their group has now found strong political support in the said Senate resolution. “The Santiago resolution reiterated the letter and spirit of the highest law of the land,â€? Atty. Harry Roque said. “An SC

ruling to the contrary may render the Justices liable to impeachment for culpable violation of the Constitution.�

Senator Miriam Defensor-Santiago proposed said resolution to Senate, with thirteen other Senators concurring: Sonny Angara, Nancy Binay, Joseph Victor Ejercito, Francis Escudero, TeoÀsto Guingona III, Manuel Lapid, Loren Legarda, Ferdinand Marcos Jr., Sergio Osmeùa III, Aquilino Pimentel III, Grace Poe, Ralph Recto and Cynthia Villar.

Sen. Pia Cayetano, while absent during the vote, signified her support for the resolution.

Senate President Franklin Drilon and Senate Minority Leader Juan Ponce Enrile abstained, while only Sen. Antonio Trillanes IV objected to it. “Even though the SC is the interpreter of the Constitution, it cannot ignore well-deĂ€ned constitutional powers of the Senate, such as giving concurrence to treaties,â€? Roque added.

Atty. Roque is the former Director of the Institute of International Legal Studies at the UP Law Center, a position he has held for more twelve years. He is also a professor of Constitutional and International Law at the UP College of Law.

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There seems to be a misconception in the general public that you can only obtain a divorce in California if your spouse will sign the divorce papers. I get this question a lot from our family law clients.

The fact is that California is a no fault state and you do not need your spouse’s signature in order to get a divorce. What is more important is being able to properly serve your spouse with the divorce petition and satisfy the jurisdictional requirement of the Court by showing that either you or your spouse resided in the State for at least 6 months prior to Àling the petition and in the County for 3 months prior to Àling the petition.

When you Àle a divorce petition, you have to serve your spouse with the summons and petition. Your spouse then has 30 days to Àle a response after being served with a divorce petition. If your spouse fails to Àle and serve you with a response, you can Àle a request for default against your spouse after 30 days. You can also Àle a proposed judgment for the court to approve.

The default procedure can be done even if there are issues of property division, custody, visitation, and support. However, the Court will

still review your proposed judgment and property division to make sure it conforms to the policy towards equal division of community property. Meaning, you have to propose a division of community property that is pretty much equal between the spouses. If your proposed property division is one sided such as distributing all community property to you and giving all the community debts to your spouse, the Court would probably not grant your judgment. The Court would probably set a hearing for you to explain why this is an equal division of community property.

The only time you may need your spouse’s signature is if your spouse Ă€les a response to your divorce petition. This is called “contestingâ€? the divorce. If your divorce is contested by your spouse, you can resolve the case either by “settlementâ€? or by “trial.â€?

However, you do not have to

settle all the issues in the case at once. Under the concept of divisible divorce, you can settle some of the issues and set the other issues which you and your spouse cannot agree on for trial.

Our ofÀce try to resolve cases through settlement because it is more cost effective and the parties are usually happier with the outcome. In that situation, the parties may avoid the cost and uncertainty of going to trial by executing what is called a stipulated judgment which is in essence an agreement as to all the issues in the divorce case.

For issues which you and your spouse cannot agree on, you will have to go through the litigation process which involves obtaining discovery, exchanging declarations of disclosures, and preparing the case for trial.

Ultimately, you will obtain your divorce at trial in addition to adjudication of the distribution of community assets and debts amongst other issues. It is in the best interest of the party to retain the representation of competent counsel who will assert his or her rights under the family code.

Please note that this article is not legal advice and is not intend-

ed as legal advice. The article is intended to provide only general, non-specific legal information.

This article is not intended to cover all the issues related to the topic discussed. The speciÀc facts that apply to your matter may make the outcome different than would be anticipated by you. This article does create any attorney client relationship between you and the Law OfÀces of Kenneth U. Reyes, APLC. This article is not a solicitation.

Attorney Kenneth Ursua Reyes is a CertiÀed Family Law Specialist. He was President of the Philippine American Bar Association.

He is a member of both the Family law section and Immigration law section of the Los Angeles County Bar Association.

He is a graduate of Southwestern University Law School in Los Angeles and California State University, San Bernardino School of Business Administration. He has extensive CPA experience prior to law practice. LAW OFFICES OF KENNETH REYES, APLC is located at 3699 Wilshire Blvd., Suite 747, Los Angeles, CA, 90010. Tel. (213) 388-1611 or e-mail kureyeslaw@ gmail.com or visit our website at Kenreyeslaw.com.

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willingness to compromise as you find ways to survive your debt problems.

Sometimes there is no easy way out and if Àling bankruptcy is the only solution, again, this has to be a joint decision after you’ve weighed all your options.

If bankruptcy can be avoided, you need to come up with a debt elimination strategy that is workable and realistic; otherwise, you may be setting yourself up for more failure and frustration.

Debt problems are one of the main causes of divorce in the United States. But they don’t have to destroy your marriage unless you let them. When you’re in the middle of a Ànancial crisis, sometimes it’s hard to Ànd anything positive about the situation. But like most difÀcult challenges we face in life, we only grow when we are stretched beyond our comfort zone. So whatever debt problems you may be facing at the moment, try to Ànd the lesson that life is trying to teach you. If you look hard enough, you will often Ànd it.

If you need help Àguring out your options to get out of debt, I’d like to help you. Call us for a free consultation at Toll-Free 1-866477-7772. We have ofÀces in Los Angeles, Pasadena, Cerritos and Valencia.

(None of the information herein is intended to give legal advice for any speciÀc situation. Atty. Ray Bulaon has successfully helped more than 5,000 clients in Ànding solutions to their debt problems.

To schedule a free attorney consultation, please call RJB LAW OFFICES at TOLL FREE 1-866477-7772).

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Every day, I meet with couples who are deeply in debt. In a lot of cases, I can feel the stress level that they are experiencing while the couple is in my ofÀce. Emotions often run high and you can feel the tension in the air. There can be a lot of Ànger-pointing, resentment, anger, etc. A lot of couples Ànd themselves on the verge of divorce due to Ànancial problems.

Some actually separate or divorce as a result.

Debt problems can place a huge stress on any marriage because it affects the whole family, including the children. When parents are unable to provide for their kids the way they want to, they feel like they have failed. What makes things worse sometimes is the fact that couples are not on the same page about their Ànances and they can’t agree on a lot of the important issues.

For example, I see a lot of cases where the debts accumulated during marriage are all in one spouse’s name and yet it is clear that both husband and wife beneÀted from the money borrowed.

But because all the debts are only in one spouse’s name, the other spouse doesn’t feel the Ă€nancial burden as much because it is “not my debtâ€?. How can this be? If your wife or husband accumulated debt during your marriage and the debt provided a beneĂ€t for both of you and your family, it is YOUR debt just as much as it is his or hers.

For a marriage to survive a Ànancial crisis, both husband and wife need to be on the same team.

That’s what a marriage should be all about- for better or for worse, isn’t it? Start out by sitting down and talking about the problem.

It is normal to be frustrated with one another if you feel that your spouse is not doing her or her share but provided that you want to keep your marriage, you need to work together and come up with a mutually-agreeable solution.

Sometimes that requires some

10 WEST DOWNTOWN LA.

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ENTERTAINMENT

Shaina asked: Did you ‘bro-zone’ Sam Milby?

MANILA, Nov 11 (Mabuhay) – Shaina Magdayao was at a loss for words when she was asked if she really “bro-zoned� Sam Milby, who was romantically linked to her back in 2013.

This after Enchong Dee made this revelation earlier this month while explaining why the supposed relationship of Magdayao and Milby didn’t progress.

Asked if this was true, Magdayao said: “Papanoorin ko muna ang episode. Sampung araw lang akong nawala may ganyan na.�

Magdayao just got back from the United States where she had a short vacation with her siblings.

Magdayao said she and Milby are really good friends and they get to hang out whenever their respective schedules permit them. “Magkaibigan naman talaga kami ni Sam. We have this group that ev-

ery now and then, I get to hang out with kapag walang ginagawa. Kung ano man ang sinabi ni Enchong, itatanong ko muna siya. Kung anu-ano ang sinasabi ng kapatid kong iyon,� she said, laughing.

The actress also shared what she likes most about Milby. “I’m friends with everyone. Kung mayroon mang maganda kay Sam or kay Piolo (Pascual, who is also linked to her), sila ang mga mabubuting kaibigan ko sa showbiz. Nakakatuwa na mayroong ganung klaseng lalaki na hindi lang gentleman on camera pero pati off camera,� she said.

Magdayao has not been in any relationship since she broke up with John Lloyd Cruz in 2012.

Milby, on the other hand, admitted she has dated other girls after his separation with Anne Curtis several years ago but he never really had any relationship. (MNS)

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0DUN +HUUDV SULRULWL]HV ZRUN GDXJKWHU RYHU ORYH OLIH MANILA, Nov 11 (Mabuhay) – MARK Herras said he understands Winwyn Marquez’s decision not to entertain any suitor so that she can focus on her work and family.

In a recent interview with the Kapuso actor, the 28-year-old explained why he decided to stop courting Marquez. “Ang dami niyang ginagawa at ang busy lang talaga ni Winwyn.

Ako din naman busy din sa trabaho,�

Herras said.

He added that romance between them is just out of the picture. But he said they are still close friends. “The good thing about it naman e magkaibigan kami. Nung last time na nagkita kami ay okay naman.

Wala naman kaming unfinished business na hindi kami mag-uusap,� the actor said.

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John Prats, Isabel Oli wanted a baby right away

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Two months after they got married in May, John Prats and Isabel Oli’s dream came true when they learned that they are having a baby.

The celebrity couple said they really prayed hard for it because they want to start a family while they are still young. “Ang plano talaga namin, after ng kasal, baby na agad,â€? Prats said. “Pinag-pray na lang namin kasi during the Ă€rst month, the second month, sobra kaming nag-expect. On the third month, sabi ko, ‘Lord ikaw na ang bahala. Kung para sa amin, ibigay mo na. Ayaw ko na ma-stress kasi siya normal, ako hindi ko pa alam.’ So nung binigay, sobra kaming happy.â€?

Oli reported that she is now having morning

sickness. “Nung nalaman na namin, a week after lang ‘yung na-enjoy ko. ‘Yung next week, wala na, [may morning sickness na],� she said.

Despite this, Oli is praying she will not have difĂ€culty giving birth. “Kasama sa prayers namin na sana kung puwede painless delivery, pero kung may pain talaga, sana kaya ko and sana healthy ‘yung baby. Pati prayers namin naiba na talaga nung dumating ‘yung baby,â€? she said.

Oli is now three months into her pregnancy and both are already looking forward to knowing the gender of their Àrst child.

The two said they will be learning about it either in November or December. (MNS)

.DNDL DQG $KURQ 9LOOHQD

$KURQ 9LOOHQD FODULÂż HV WLHV ZLWK .DNDL Ahron Villena has Ă€nally set the record straight about his close relationship with “Your Face Sounds Familiarâ€? celebrity contestant Kakai Bautista.

In recent weeks, Bautista has been posting several photos of her with Villena on her Instagram account.

The 28-year-old Villena, likewise, has been doing the same.

His posts usually come with a hashtag that read “Mother,� which, according to Bautista, is his term of endearment for her.

Villena said there is nothing romantic going on between them but added that they are indeed very close friends. Villena said their friendship started when they went to Japan for a show.

“Kasi one time sa immigration, napagkamalan siyang nanay ko. Natawa lang kami. Paglabas namin sa Immigration, doon na nag-start. Doon kami naging close hanggang sa pagdating sa Manila,� he said. “Yung ibang tao napapansin na, ‘Uy baka may something silang dalawa.’ Tapos si Cacai, hindi na son ang tawag. Iniba na niya. Ako naman, if it’s her happiness, okay lang,� he added.

However, the actor clariĂ€ed that they are just friends. “Pero ako, sabi ko talagang friendship lang kung anong meron kami. Close lang talaga kami.

Nag-uusap kami, nagte-text kami, totoo ‘yun. Pero aside from that, wala naman,� he explained. (MNS)

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4 $ :KHQ VKRXOG , UH¿ QDQFH P\ KRPH PRUWJDJH" Caller: I have a $ 300,000.00 loan with 4.125% rate and my credit is above 680. Can I still get a better rate and I really don’t want to pay fees because I just reÀnanced last year.

Ken: what we can offer you today is a 3.875% rate 30 years Àxed without paying loan fees, escrow fees or title fees. Your credit is OK, don’t need to be above 700, you are at 60% LTV therefore no additional cost to reÀnance. With your savings and good credit standing, we actually will not have a problem getting an approval. Your savings is $ 43.00 a month that might not seem a lot but you are less than a year into your loan which makes it worth for you to reÀnance and put that extra $43.00 back into the principal. So, if you reÀnance and put the savings towards your principal reduction your savings will be about $17,447

over the life of the loan and best is you don’t have any fees going into this loan.

Recommendation: DO IT NOW! Caller: I am a single mom that works as a CNA making about $4,000.00 a month, I am selling a piece of property in the Philippines that will net me close to $150,000.00.

I would like to buy a house and pay off some debts. Please advice me on what is the price range I can qualify for and where I should be buying. My two grandchildren will also be immigrating to the US to live with me.

Ken: I congratulated her for being able to hold on to a piece and real estate and selling it for a proÀt. However, due to her income and her debts, I can only qualify this caller to buy a property around $200,000.00 that will leave her with about $50,000.00 of her net proceed from the sale of the land overseas.

Due to her age and added responsibility that she will have to care for I am advising her to just rent in a better area with a good to descent school district for her grandchildren.

I am afraid that because she cannot Ànd anything descent for $200K to buy that will ensure her grandchildren good education, renting would be a better option for her now. If she buys and almost deplete all her savings just to own a house, she might be stretching herself too thin.

Homeownership comes with a lot of responsibilities towards the property that will cost money. Her income is very limited, especially if she is expecting to support more family member staying with her.

Recommendation: RENT first and keep your funds in an interest earning Mutual funds and buy a house later when the market retreats and your new family members are settled in.m Caller: I have a 1st mortgage of $350,000.00 at 4.75% 30 years Àxed and I have a second loan at 8% for $60,000.00. I would like to see my payments become lower, I have good credit and I have a good job.

Ken: Your property value is right around $ 410,000.00. Your paying a combination of $2482.77 for both.

Your property value is just about worth exactly how much you owe now on your mortgage.

Unfortunately you are neither a Fannie Mae or Freddie Mac loan therefore will not qualify for the HARP reÀnancing. Since your second mortgage was included in your

previous bankruptcy 7 I would suggest for you to try to negotiate a settlement pay off with them. You have some savings that you can offer the second lender to wipe out this debt, since you are already slightly behind on the payment this would be a good time to ask for a settlement payoff.

Recommendation: Call your lender to settle on the second mortgage that is included in your BK 7 previously.

Caller: I currently have a 30 years loan that I have been paying on for about 9 years at 4.5% interest rate.

I have a lot of equity and would like to know if it is worthwhile for me to reÀnance the loan, I took out some fund for home improvements from my credit card with 0% interest for 10 months.

Ken Go: You’re in a sweet situation now having yourself a lot of equity, I am sure a lot of people will love to trade places with you. You’re at an age where you probably want to think about retiring and would be oppose to starting your loan over again for 30 years. So, I will suggest a 20 year loan Àxed for you, I am also suggesting for you to pay off the credit card balance of 25,000, I don’t care if that is zero interest.

You will still need to pay it off when time comes. Because you will stay in this house for long term and you want a lower payment, I am suggesting for a no points loan and for you to pick up your own escrow and title cost. You will save about $200.00 and not have to start a 30 year mortgage again.

Recommendation: DO IT NOW! RATES ARE DOWN, I RECOMMEND FOR YOU TO START INQUIRING ABOUT A REFINANCING. I could be reach at 562-508-7048 anytime or at the ofÀce 562-697-7028 or write to me at kennethgo@verizon. net. Don’t delay CALL NOW.

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Washington Fil-Ams remember Haiyan WASHINGTON, D.C., Nov. 8 â&#x20AC;&#x201C; The Philippine Humanitarian Coalition (PHC), in partnership with the Philippine Embassy in Washington, DC and the US-Philippines Society, marked the second anniversary of Super Typhoon Haiyan with a ReĂ ection forum on 06 November 2015 at the Romulo Hall of the Philippine Embassy.

Around 90 representatives from the PHCâ&#x20AC;&#x2122;s member-organizations, Philippine Government agencies, and the US-Philippines Society participated in the forum, which was also highlighted by reports on the recovery initiatives of the Philippine Government and the NGO sector, and a video-recorded message on Resilience and Disaster Preparedness produced by the Manila Observatory and featuring former Philippine Secretary of Foreign Affairs Roberto R. Romulo.

Inaugurated on 24 February 2014, the Philippine Humanitarian Coalition is composed of national and local Filipino-American community organizations that have undertaken the mission to assist in rebuilding lives and contributing to the restoration of communities affected by natural and man-made disasters. â&#x20AC;&#x153;Shortly after Super Typhoon Haiyan struck the Philippines in November 2013, the Filipino-American community heeded the call to action of the Embassy and stepped up to assist in the recovery, rehabilitation, and rebuilding efforts back home.

There are numerous Filipino-American organizations in the Metro DC area alone, each one with its own goals and mandate. Some people said

it would be impossible to get these organizations together for one cause.

In the case of Typhoon Haiyan, however, the genuine desire to help our kababayan in need was much greater than any individual organizationâ&#x20AC;&#x2122;s goal or mandate. It was in this light, in this very room two years ago that the Philippine Humanitarian Coalition was born,â&#x20AC;? Ambassador Jose L. Cuisia, Jr. recounted.

NEDA Deputy Director General (DDG) Margarita R. Songco, head of the NEDA Yolanda Project Monitoring OfĂ&#x20AC;ce, apprised the group of the status of selected government projects to rebuild damaged infrastructure and provide education, housing, livelihood and social services to the affected communities. Guided by the principle to â&#x20AC;&#x153;Build Back Better, Safer and Faster,â&#x20AC;? the Philippine Government is working to restore and reconstruct to a higher level of disaster resiliency; formulate and implement long-term sustainable programs, standards and guidelines; and phase rehabilitation activities. â&#x20AC;&#x153;Rehabilitation is the longer process but for those affected, assistance cannot happen too soon.

The Government is committed to providing an enabling environment for rehabilitation,â&#x20AC;? said DDG Songco.

She said that the Philippine Government continues to learn lessons from the Haiyan experience, including the need to strengthen coordination among stakeholders, streamline processes, and ensure convergence of programs for greater efĂ&#x20AC;ciency in use of resources and for the attainment of better results.

Rene â&#x20AC;&#x153;Butchâ&#x20AC;? Meily, President

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of the Philippine Disaster Recovery Foundation (PDRF), delivered a brief video recorded message on the rehabilitation and recovery initiatives of the NGO sector.

A highlight of the program was the presentation of ten Filipino-community groups on their PHC-funded projects. The funds came from the proceeds of After the Storm beneĂ&#x20AC;t concert which was held on 14 June 2014 at the Kennedy Center in Washington, D.C. through the collaborative efforts of the PHC, Philippine Embassy and US-Philippines Society.

The grants were given out in September 2014 after a rigorous review and selection process using the US National Institutes of Health methodology of grading blind proposals based on Problem Identification, Project Description, Organizational Capability and Budget.

The organizations that presented were Answering the Cry of the Poor; Feed the Hungry, Inc.; Philippine

Association of Metropolitan Washington Engineers; Filipino Family Fund; Migrant Heritage Commission; Philippine Nurses Association of America Foundation; Philippine Nurses Association of Metropolitan DC, Inc.; Philippine Medical Association of Metropolitan Washington, DC; University of the Philippines Medical Alumni Society in America; and the World Bank Group-IMF Staff Filipino Association. Combined, these organizations have ongoing innovative projects addressing areas of food security, shelter, education, childrenâ&#x20AC;&#x2122;s rights, livelihood, infrastructure, environmental sustainability, and public health.

After the presentations, Ms. Maria Angela of the American Federation of Teachers, and representatives of the non-proĂ&#x20AC;t First Book, launched a Book Outreach Project to help school children in Leyte by replacing some of the books and other educational resources that were lost and destroyed by Haiyanâ&#x20AC;&#x2122;s onslaught.

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LOS ANGELES – The Department of Justice has returned $1,126,951.45 in forfeited assets to the government of the Republic of Korea.

The forfeited assets – which were returned yesterday – were the profits of a public corruption scheme orchestrated by former Korean President Chun Doo Hwan in the 1990s, and were laundered to the United States by Chun’s family members and associates.

The assets were forfeited in two recent civil forfeiture actions Àled in Los Angeles and Philadelphia as part of the Department of Justice’s Kleptocracy Asset Recovery Initiative.

“The return of these assets is a powerful vindication of the rule of law, and an important victory for the people of the Republic of Korea,” said Attorney General Loretta E. Lynch.

“The Department of Justice is committed to ensuring that the proceeds of corruption have no safe haven in this country,” said United States Attorney Eileen M. Decker.

“We will vigilantly pursue such proceeds and return them to the victims of the corruption.”

U.S. Immigration and Customs Enforcement’s Homeland Security Investigations and the Federal Bureau of Investigations investigated the cases leading to the U.S. forfeiture of the assets being returned to Korea and served as the seizing agencies.

In 1997, a criminal court in Korea convicted former President Chun of accepting more than $200 million in bribes from Korean corporations and ordered him to pay approximately

the $726,951.45.

In February 2015, a second civil forfeiture action was filed in the Eastern District of Pennsylvania against a secured investment worth approximately $500,000 in a Pennsylvania company, which also was traced to Chun’s corruption scheme.

In March 2015, the government reached a settlement agreement of the two civil forfeiture actions, resulting in the forfeiture of a total of $1,126,951.45, which was returned to the government of the Republic of Korea yesterday.

The case Àled in Los Angeles was prosecuted by the United States Attorney’s OfÀce and United States Department of Justice, Criminal Division, Asset Forfeiture and Money Laundering Section.

Doctors indicted in ‘massive bribery’ scheme Defendants billed $25-M in improper charges to workers’ comp insurers

SAN DIEGO, November 11, 2015 – Eight medical professionals and associates are charged in federal grand jury indictments with buying and selling patients in a bribery scheme involving $25 million in improper claims for medical services and devices which were then billed to California Workers’ Compensation insurance companies.

FBI agents along with investigators from the California Department of Insurance and the San Diego County District Attorney’s Office served five search warrants and three seizure warrants today at locations in San Diego, Chula Vista, National City, Murietta and Los Angeles. Authorities arrested Àve people, including a radiologist, a chiropractor, a medical equipment provider, a medical clinic administrator

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$212 million in criminal penalties. In 2013, the Anti-Corruption Division of the Korean Supreme Prosecutor’s OfÀce opened a money laundering investigation regarding the potential laundering of the bribery proceeds into the United States

by Chun and his associates through the acquisition of U.S. real estate and opening of U.S. bank accounts.

In February 2014, FBI agents seized $726,951.45 in a California escrow account. Those funds represented the net proceeds from the sale of a Newport Beach house that President Chun’s son, Chun Jae Yong, had purchased in 2005 with proceeds traced to his father’s corruption scheme. In April 2014, the U.S. Attorney’s OfÀce in Los Angeles Àled a civil forfeiture action against

and a so-called medical marketer.

An attorney and a medical service provider were summoned to appear in federal court on Thursday. One indicted defendant, Gonzalo Paredes, remains a fugitive and a warrant has been issued for his arrest.

These defendants, plus six corporations, are charged in three federal grand jury indictments unsealed today with conspiracy and honest services mail fraud.

The indictments allege that these players either paid or received tens of thousands of dollars to buy or sell hundreds of patients, without the patients’ knowledge - therefore depriving those patients of their right to their doctors’ honest services.

“Today’s indictments are only the Àrst wave of charges in what we believe is rampant corruption on the part of some physicians and chiropractors in their dealings with the health care system in general, and California’s Workers’ Compensation System in particular,” said U.S. Attorney Laura Duffy. “A patient puts his trust, and his very life, into the hands of his physician. A doctor’s decisions should never, under any circumstances, be influenced by anything other than the patient’s best interest.”

“Today’s indictments show how the defendants in this case allowed greed and corruption to inÁuence their patient care decisions and treated their patients as a commodity to be bought and sold,” said FBI Special Agent in Charge Eric S.

Birnbaum.

“The FBI will continue to use our intelligence and investigative expertise to identify, disrupt and dismantle sophisticated criminal conspiracies that unlawfully enrich individuals at the expense of patient care. The FBI and our law enforcement partners are committed to rooting out corruption in our health care system.”

“This criminal network bought and sold patients like cattle,” said District Attorney Bonnie Dumanis. “They cashed in on people who trusted them with their health and they conspired to illegally game the system on a level that we’ve not seen before. But, the game is over.”

“Our detectives from the California Department of Insurance worked closely with the FBI, United States Attorney’s OfÀce and San Diego District Attorney’s ofÀce to investigate and arrest these medical providers for insurance fraud, which adds crippling costs to California’s workers compensation system,” said Department of Insurance Commissioner Dave Jones. “These are not victimless crimes. When medical providers defraud insurers, those costs are passed on to California businesses and consumers, who already are struggling to make ends meet.”

This is how the schemes worked: Patients who said they were injured on the job Àled a workers’ compensation claim with the state of California and sought treatment for their injury.

6HQ +Xႇ HDUQV WRS PDUNV IRU GHIHQGLQJ WD[SD\HUV SACRAMENTO: California’s oldest watchdog organization on tax and other public Ànance issues has awarded Senator Bob Huff (R-San Dimas) with the highest possible vote ranking of 100 percent for the 2015 legislative year. The California Taxpayers Association(CalTax) awarded the score to Senator Huff for his leadership and votes on tax and spending issues that beneÀtted California’s business climate. CalTax has represented the interests of California taxpayers for more than 89 years.

“I am deeply honored by this recognition and attention to my efforts to make California a better place for families, business and job creators,” said Senator Huff. “The Legislature should focus on the goals of improving California’s business climate and creating jobs and opportunities for California families. Unfortunately, this isn’t always the case.”

According to CalTax, “accountability for legislative votes on tax and public spending issues is critical. Tax and spending policies voted on by the legislature have a major

impact on the health of California’s economy, and on the state’s ability to attract investment and jobs.

The cost of government, the level of taxation and the operation of the tax system are highly quantiÀable measures that businesses evaluate when making decisions on where to locate operations.”

Senator Huff was cited by CalTax for his efforts to oppose bills that sought to increase local sales and use taxes in California (AB 464), and arbitrary fuel-reduction mandates spelled out in SB 350. He was also recognized for his votes to provide relief for taxpayers who went through foreclosure (AB 99) and his support for legislative efforts to conform state and federal tax laws (AB 154).

“Senator Huff has been a vocal proponent of efforts to improve our state’s tax policies and economy, and he has backed up his words with votes,” said CalTax President Teresa Casazza. “His voting record during the 2015 legislative session proves that he supports good tax policy and has strongly supported efforts to strengthen California’s economy.”

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PHL assured of support of Kurdistan in Àght vs human traϪcking ERBIL, Iraq – The Kurdistan Regional Government of the Republic of Iraq has assured the Philippine Embassy it will help protect overseas Filipino workers by intensifying its own efforts to go after human trafÀcking syndicates that have victimized many migrant workers.

No less than Deputy Prime Minister Qubad Jalal Talabani gave the assurance after Philippine Embassy Chargé d’Affaires Elmer G. Cato thanked him for the important role played by the Kurdistan Regional Government in ensuring the successful rescue and repatriation of 10 Filipina trafÀcking victims in Erbil.

“We are one with you in the Àght against human trafÀcking,” Deputy Prime Minister Talabani told Chargé d’Affaires Cato. “You can count on the full support and cooperation of the Kurdistan Regional Government in your efforts.”

During the meeting, the Deputy Prime Minister and Minister for Labor and Social Affairs Mohammad Qadir informed Chargé d’Affaires Cato the regional government will be putting in place additional measures to better protect Filipino and other migrant workers.

“Once these measures are in place, Filipino workers will be better protected here in Kurdistan,” Deputy Prime Minister Talabani said.

In response, Chargé d’Affaires Cato said: “Protecting our nationals is of prime importance to the Philippine government. We look forward to continue working with the Kurdistan Regional Government on labor and migration issues that would mutually beneÀt our kababayans as well as their employers in Iraqi Kurdistan.”

In addition to the Deputy Prime Minister, Chargé d’Affaires Cato also expressed the Embassy’s appreciation for the successful rescue of the 10 trafÀcking victims in his separate meetings with Interior Minister Karim Sinjari, Foreign Relations Minister Falla Mustafa Bakir and Information Minister Safeen Muhsin Dizayee.

The 10 Filipina victims, who worked at a spa operated by a Lebanese national in Erbil, were rescued by the Embassy and the Ministry of Interior after three of the women escaped and reported that they were being subjected to exploitation and abuse.

The Embassy had been monitoring the spa since July following the escape of two other Filipina employees.

The Ministry of Interior closed down the establishment, arrested the employer and Àled charges against him in court. The victims were repatriated to Manila on Thursday with the assistance of the International Organization for Migration (IOM).

7HDFKHUV DW &DOLIRUQLD¶V ODUJHVW RQOLQH FKDUWHU VFKRRO XQLRQL]H BURLINGAME – A state agency’s decision will give 750 teachers at California’s largest virtual charter school operator a stronger voice in improving working conditions and student learning. The Public Employment Relations Board (PERB) decision comes at a critical time and promises to provide momentum for the teachers’ on-going efforts to Àx the state’s broken online school industry.

California Virtual Academies (CAVA) teachers serve 15,000 students. They’re hailing the ruling that means their 17-month wait to get to the bargaining table and Àx their school is over.

“We are elated,” said Sarah Vigrass, a 9-year CAVA Community Day teacher in Redlands. “We applaud the decision, and we look forward to sitting down and negotiating as soon as possible over much-needed improvements for teachers and the students we serve.

Our students’ learning conditions would improve if more resources were focused on them. There are many problems and now we have a real way to Àx them.”

Last Spring a super-majority of teachers at CAVA asked the employer to recognize the California Teachers Association (CTA) as their exclusive bargaining representative. The teachers sought to unionize to improve working conditions and advocate for improved educational experiences in their virtual school. In an effort to thwart the grassroots organizing, the employer rejected the teachers’ request for voluntary recognition which forced them into a protracted hearing before PERB. In a 77-page decision, the Administrative Law Judge concluded that the 11-school CAVA is one bargaining unit and certiÀed CTA as the exclusive representative of all.

Concerned CAVA teachers have been calling for improvements at their school for years. In March, 2015 they shared their experiences in an in depth study of CAVA released by In the Public Interest that called for better oversight of the school. In June they Àled complaints with school districts that authorized CAVA charters throughout California in an effort to protect students. Last week, new research from Stanford University and

the University of Washington came out reinforcing many of the concerns CAVA teachers have voiced.

Eric Heins, president of the 325,000-member California Teachers Association, said the ruling is a vindication for CAVA teachers’ long battle to Àx their school.

“Efforts by the employer to derail the work of these teachers to have a stronger voice so they can better advocate for their students were just a smokescreen, and now the smoke has cleared,” Heins said. “The ruling

by PERB clears the way for negotiations toward a Àrst contract that will address some of the many concerns that CAVA teachers have voiced. Now, these teachers can begin to address the problems that are hurting their students, such as insufÀcient time spent on instruction, high teacher turnover, and too much public money going out of state.”

Heins noted that these educators have endured intimidation and worse as they have fought to unite for a better future for their students.

“Instead of appealing this historic ruling, the employer should do the right thing and join the teachers to Ànd solutions. We expect management to respect these educators and work with them at the bargaining table to make CAVA better for the sake of our students.”

K12 California, CAVA’s operator and primary vendor, is a subsidiary of K12 Inc., a publicly-traded education company based in Virginia. K12 Inc. is the nation’s largest provider of online education and operates schools in 33 states. The company produced $55 million in proÀt in 2014. In the 201314 school year, more than $100 million in state education funding Áowed to CAVA to serve about 15,000 California students, and 50 percent of that funding was then paid to K12 Inc. for its services. CAVA schools receive the same per-pupil state funding as brick and mortar schools.

“Now that we are union, front-line educators will have a real voice in decisions that impact our students,” said elementary school teacher Rebecca Flynn from the East Bay. “This is a big step forward in our effort to improve CAVA to better serve California’s kids.

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MOTORING

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Hyundai launches new global luxury brand, ‘Genesis’

November 4, 2015 – Hyundai Motor has announced an all-new global luxury brand – Genesis – that will deliver ‘human-centered’ luxury through a range of new models that feature the highest standards of performance, design and innovation.

Created for a new generation of discerning consumers, Genesis will be a stand-alone brand that operates alongside the company’s popular Hyundai marque.

Capitalizing on its success in the fast-growing global car market, Hyundai Motor will launch six new Genesis models by 2020 and will compete with the world’s most renowned luxury car brands.

The Genesis brand seeks to create a new deÀnition of luxury, one that will provide a new platform for future mobility centered on people.

By anticipating human needs at every touch point, Genesis models will embody four key aspects:

Human-focused innovation, refined and balanced performance, athletic elegance in design and hassle-free customer experience.

“We have created this new Genesis brand with a complete focus on our customers who want smart ownership experiences that save time and effort, with practical innovations that enhance satisfaction.

The Genesis brand will fulÀll these expectations, becoming a market leader through our human-centered brand strategy,” said Euisun Chung, Hyundai Motor Company Vice Chairman.

Genesis models will boast outstanding driving dynamics and design, with innovations tailored to closely-meet the needs of customers. The new model line-up will distance itself from the traditional technological overload of brand-focused competitors, concentrating instead on a personalized, hassle-free

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customer experience. Continuing the customer-oriented approach that flows through every Genesis model, sales and service staff will provide rapid and attentive service to customer’s requests.

To elevate and differentiate the Genesis brand from Hyundai, a distinct design identity, emblem, naming structure and customer service offering is being established.

Genesis models will be badged with a new wing-type emblem, redesigned from the version used on the currentGenesis model to create an even more luxurious look. This emblem firmly cements the Genesis models as a collective family of luxury models under the Genesis nameplate.

The Genesis brand will also adopt a new alphanumeric naming struc-

ture.

Future models will be named by combining the letter ‘G’ for Genesis with a number, 90, 80 or 70 etc., representing the segment.

Woong Chul Yang, Head of Hyundai Motor R&D Center and Vice Chairman of Hyundai Motor said, “The Genesismodels will provide technological innovation, excellent driving performance and luxury to customers. Every Genesismodel will be created with the needs of our customers in mind, so the resulting car will perfectly meet their needs without any unnecessary burden or excess.”

Fitted with the latest proactive safety technologies, intuitive convenience features and IT connectivity, Genesis models are engineered to provide excellent ride comfort while retaining conÀdent sportiness.

To develop a distinctive and differentiated design for the new Genesis brand vehicles, Hyundai Motor has created a Prestige Design Division.

From mid-2016 Luc Donckerwolke, who was previously responsible for the design of Audi, Bentley, Lamborghini, SEAT and Skoda models at the Volkswagen Group, will lead this new division alongside his role as Head of the Hyundai Motor Design Center.

Initially on sale in the Korean, Chinese, North American and Middle Eastern luxury car markets, the Genesis brand will expand its reach to Europe and other parts of Asia as the model range grows to full strength.

Setting the brand’s cars apart from competitors, innovation will begin with the consumer, with customer requirements directing development.

This philosophy echoes the vision of Hyundai Motor to be a ‘lifetime partner in automobiles and beyond’, with the ‘Modern Premium’ brand direction of Hyundai reinterpreted for the new Genesis marque.

Since the launch of its Àrst cars in 1967, Hyundai Motor has grown quickly to become one of the world’s leading automakers.

And if you would like to check out why Hyundai is among the best selling cars, call our kababayans Jun Milan or Jay Trinidad, Filipino Sales & Leasing professionals at Win Hyundai of Carson at 1-888718-7473. Better yet, drive down to Win Hyundai and feel the luxury of Genesis Àrst-hand.

Win Hyundai is conveniently located at 3462 N Peck Road, El Monte, CA 91731 in San Gabriel Valley and at 2201 East 223rd St. in Carson, CA 90810.

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2016 Honda Civic Sedan: The ambitious model

The creation of this new 10th-generation Civic represents one of the most comprehensive and ambitious new-model developments ever undertaken by Honda, requiring an unprecedented commitment of R&D resources and Honda engineering prowess. While the development of the Civic Sedan was led by a North American team – a Àrst for Honda and Civic – the overall Civic series involves design and engineering teams from Honda R&D, sales and manufacturing operations around the world, especially in North America and Japan, but also in Europe, South America and Asia.

In seeking to realize a “dynamic rejuvenation” of Civic and create a new interpretation “in a league of its own,” as the development team deÀned its mission, Honda engineers set out early during platform development to benchmark the world’s best C-segment vehicles – not only products in Civic’s traditional competitive set, but luxury compact class vehicles such as well.

Their evaluation of the world’s best products involved extensive real-world testing, ultimately targeting European luxury vehicles for the new Civic’s ride, handling, steering and NVH (noise, vibration and harshness), and also its interior quality and reÀnement.

Achieving these lofty aims while meeting requirements for an affordable compact car, in terms of cost, fuel efÀciency and manufacturability, stretched the limits of the global Civic team’s engineering capability and demanded new thinking and new approaches to body construction, vehicle aerodynamics, powertrain and chassis design. The result of these efforts is a completely reimagined and reinvented new Civic, the sportiest Civic ever, and

a new benchmark in the compact class in terms of spaciousness, fuel efÀciency, safety features, interior quality and dynamic performance.

What’s New? Virtually everything about the 2016 Civic Sedan is new – an allnew vehicle architecture, sporty and sophisticated new interior and exterior styling, a more spacious and high-quality cabin, two advanced new engines, and a host of new premium features and technologies.

Further, with the addition of Honda Sensing™ safety and driver-assistive technologies and the first application of Honda turbo engine technology to Civic, the 2016 Civic Sedan offers buyers a wider range of options than ever before.

Civic models powered by the new 2.0-liter i-VTEC engine are designated as the Civic LX and EX trims.

Civic models powered by the new turbocharged 1.5-liter engine are designated as the EX-T, EX-L (with leather-trimmed interior) and new line-topping Civic Touring, which reaches higher into the upper end of the compact car market than ever before.

Major new technologies, features and capabilities of the 2016 Civic Sedan, depending on trim, are as follows: Powertrains Turbocharged 1.5-liter DOHC direct-injected engine

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2.0-liter DOHC port-injected i-VTEC engine Class-leading anticipated EPA fuel economy ratings of 31/42/35 mpg (city/highway/combined)1 for models with 1.5-liter turbo and CVT and 31/41/35 mpg1 for models with the 2.0-liter engine and CVT Body Ultra-rigid body with 59-percent application of high-strength steel and 14-percent application of ultra-high-strength steel (up from 55 percent and 1 percent, respectively, in the previous model) – the most extensive use of high-tensile steel ever in a Civic 68-pound reduction in unibody weight versus the previous Civic Sedan, despite its larger size and greater stiffness ACE™ body structure with new crash stroke design (Honda and Civic Àrst) for improved collision performance in a sportier, more compact front frame design Ultra-high-strength steel B-pillars and rear frame rails with selectively-tempered “soft zones” for reduced weight and enhanced collision performance (Civic Àrst) Ultra-rigid 590-mpa highstrength-steel floor for enhanced collision performance and improved

ride quality (Civic Àrst) Meanwhile, if you want to belong to the select group of Honda owners, all you have to do is visit the Diamond Honda of Glendale and get in touch with our kababayans Tito Adriosula, Cruzella Clemente and Orly Roque, who are more than ready to serve you and Ànd you your new Honda Hybrids or any other Honda vehicle and be assured of top fuel efÀciency as well as safety and maintenance.

These are just some of the reasons why Pinoys come to the dealership.

Above all, at Diamond Honda of Glendale, customers are treated like Diamonds!

That statement is backed up by General Manager Philip Keung, who has endeared himself to Filipino customers because of his professionalism and his recognition and vast understanding of Honda’s multi-ethnic market.

“He is a great anchor. We rely on his wisdom and professional savvy all the time. He is very helpful to the Filipino salesmen and customers alike,” says Tito. Diamond Honda of Glendale is located at 138 S. Glendale Avenue, Glendale, CA 91205. Its toll-free number is 1.866.237.7092.

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Mitsubishi Motors reports 20th consecutive month of year-over-year sales increases Outlander Sport reports best October ever; Check out the new Outlander at Cerritos Mitsubishi Mitsubishi Motors North America, Inc. (MMNA) reported October 2015 sales of 7,426, an increase of 19.8 percent from October 2014.

October is the brand’s 20th consecutive month of year-over-year sales increases, and also represents the seventh consecutive month of double-digit sales increases. Yearto-date sales are up 25.0 percent over the same period in 2014, and also noteworthy is that year-to-date sales through October have already eclipsed the total MMNA sales for 2014.

Mitsubishi’s family of CUVs led the charge again in October.

The new Outlander continues its successful launch with its best October since 2002, reporting 2,040 units sold—more than double the amount sold last October. Not to be outdone, Outlander Sport had its best ever October with sales of 3,094, an increase of 25.4 percent from last October.

“Outlander Sport continues to be the best selling model for the Mitsubishi Motors brand and the newly introduced 2016 Outlander, with over 100 changes, has generated its own set of sales records, attracting new people to the brand,” said Don Swearingen, executive vice president, MMNA. “Together, these two vehicles account for over 69 percent of the brand’s total volume for the month of October.”

The new 2016 Mitsubishi Outlander was just named “Best Value on Road” at the 12th annual Active Lifestyle Vehicle of the Year awards held in Chandler, Arizona. Attended by nearly 100 members of the Phoenix Automotive Press Association and local athletes, the Outlander rose above other vehicles in its class, proving its signiÀcance in the outdoor enthusiast realm.

During the two-day event, journalists and athletes test-drove vehicles on a variety of street, freeway and off-road courses to get a feel for how they perform. Participants scrutinized livability features including seating, cargo capability, and overall versatility for activities such as camping, sports, and road trips.

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“It’s exciting to see the 2016 Outlander resonate so well among this group of active people,” said Don Swearingen, executive vice president of Mitsubishi Motors North America. “We’ve positioned this vehicle to be both versatile and a good value, so to see the car recognized as such supports our objective to give consumers what they want in a CUV.” In its 12th year, The Active Lifestyle Vehicle of the Year program recognizes cars and trucks that best

meet the needs of people with active lifestyles, and give automakers a better understanding of what active individuals seek in their cars and trucks.

Best value cars are priced under $35,000 and come equipped with features to enhance the outdoor lifestyle such as all-wheel control, antilock brakes, electronic stability control and side airbags.

Available with Mitsubishi’s renowned Super All-Wheel Control (S-AWC) system, the Outlander is

capable of being pushed to its limits whether on or off the road.

For those who are loyal or have been wanting to own a Mitsubishi, you can now avail of your favorite Mitsubishi brand by visiting Cerritos Mitsubishi where our kababayans will help you choose the right car for you, whether it’s the Mitsubishi Outlander, Lancer or other Mitsubishi vehicle. Call now toll free at 1-888-887-6090 to get the same Number 1 customer service from our very own kababayans.

Closed end lease for 2015 Nissan Altima 2.5S for $139 per month plus tax for 36 months on above average approved credit. Payment net of $2100 Nissan Lease Cash Rebate and $500 Nissan Customer Bonus Cash Rebate. $2999 cash or trade equity, plus plus tax, license and registration fees due at lease signing. No security deposit. 12,000 miles per year, 36k total miles with 15 cents per mile thereafter. Subject to availability and charges for excess wear and tear. Not all lessees may qualify, higher lease rates apply for lessees with lower credit ratings. Offer expires 11/30/15.

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7R\RWD H[FHHGV H[SHFWDWLRQV E\ WRSSLQJ VDOHV LQ 2FWREHU TORRANCE, Calif. (November 3, 2015) â&#x20AC;&#x201C; Toyota Motor Sales (TMS), U.S.A., Inc., today reported October 2015 sales of 204,045 units, an increase of 13 percent on a volume basis. With one more selling day in October 2015 than in October 2014, sales were up 9.0 percent on a daily selling rate (DSR) basis.

Toyota Division posted October 2015 sales of 177,609 units, up 13 percent on a volume and 8.9 percent on a DSR basis. â&#x20AC;&#x153;October was a huge month for the industry, smashing expectations and continuing its hot streak,â&#x20AC;? said Bill Fay, group vice president and general manager for the Toyota Division. â&#x20AC;&#x153;Toyota Division posted best-ever sales for the month led by October record-breaking sales of Highlander and RAV4.â&#x20AC;?

Lexus reported October 2015 sales of 26,436 units, up 13.2 percent from October 2014 on a volume basis and 9.1 percent on a DSR basis.

October 2015 Highlights: â&#x20AC;˘ Corolla posted sales of 27,951 units, up 12 percent â&#x20AC;˘ Camry October up nearly 5 percent â&#x20AC;˘ Prius up 12.5 percent â&#x20AC;˘ Mirai went on sale in October; posted sales of 34 units â&#x20AC;˘ Total TMS light trucks posted sales of 101,907 units, up almost 19 percent â&#x20AC;˘ Highlander up 10 percent, a best-ever October â&#x20AC;˘ 4Runner up over 36 percent â&#x20AC;˘ RAV4 up 31.3 percent, a best-ever October â&#x20AC;˘ Sequoia posted sales of 1,303 units, up 43 percent â&#x20AC;˘ Tacoma up more than 17 percent Meanwhile, The Toyota RAV4 that Ryan Millen has piloted to four victories in this yearâ&#x20AC;&#x2122;s Rally America series will be prominently displayed at Toyotaâ&#x20AC;&#x2122;s 2015 Specialty Equipment Market Association (SEMA) Show booth.

The rally car started life as a 2015 RAV4 LE but, with the help of his team, Millen removed about 500 pounds from the crossover by completely gutting the interior.

The RAV4 LEâ&#x20AC;&#x2122;s 17-inch steel wheels have been replaced by a set of black 15-inch alloys wrapped by BFGoodrich All-Terrain tires. Additionally, the crossover has gained TEIN suspension components on both axles that offer better cornering performance across a wide range of conditions.

Surprisingly, Toyota has not made any engine modiĂ&#x20AC;cations so the rally car is powered by a stock RAV4 2.5-liter four-cylinder engine that generates 176 horsepower and 172 pounds-feet of torque.

In his inaugural season, Millen, his navigator and Ă&#x20AC;ancĂŠe Christine Fate, and the RAV4 have won their class in four out of Ă&#x20AC;ve of the rallies theyâ&#x20AC;&#x2122;ve entered.

But Millen is no stranger to winning races in Toyota vehicles. The son of off-roading/rally legend Rod Millen has a history with Toyota that stretches back to his childhood, including racing in the MTEG stadium series at the age of nine, piloting an FJ Cruiser in the Baja 1000, and winning his class in the Baja 1000 in a Toyota Tundra TRD Pro just last year.

The Rally RAV4 can be seen November 3-6, 2015, in the Toyota display booth (#24700) located in the Central Hall of the Las Vegas Convention Center at the 2015 SEMA Show.

But of course, for the most part, we are just ordinary motorists and so we just pick the right car for us.

And to this the easy way, we rely on the friendly Filipino Sales Director

'&+ 7R\RWDÂśV /R\G $OHU ULJKW DQG 3KLOOLS 5LYHUD OHIW ZLWK WKHLU FXVWRPHUV $QGUHZ DQG 5RVLWD 'DOODQJ )RU WKH EHVW 7R\RWD GHDO LQ WRZQ FDOO WKH )LOLSLQR 'HSDUWPHQW DQG DVN IRU /R\G RU 3KLOOLS DW Loyd Aler and Sales and Leasing Consultant Philip Rivera, our most reliable kababayans in the car in-

dustry in this part of the region, who are ready to help you get a new car.

Call them now at 1-888-311-0102.

DCH Toyota of Torrance is located at 2909 Pacific Coast Hi-way in Torrance.

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Life and Leisure News for Filipino-Americans www.usasianpost.com

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