Weekend Balita October 01, 2016

LA / ORANGE C / INLAND E

Is Pia Wurtzbach dating Marlon Stockinger?

See ENTERTAINMENT, page 15

VOL. XXIII, NO. 35

LOS ANGELES / ORANGE COUNTY / INLAND EMPIRE

October 1 - 7, 2016

The leading source of news and information for Filipino-Americans

Budget chief Diokno: No US manipulation of PHL peso MANILA, Sept 28 (Mabuhay) – Budget Secretary Benjamin Diokno on Wednesday contradicted the statement of President Rodrigo Duterte that the Americans are supposedly “undermining” and “manipulating” the depreciation of the Philippine peso.

“Rational behavior lang ‘yan eh. Siyempre pagka-gumanda ekonomiya ng isang

bansa, natural pupunta ka muna roon ... It’s not manipulation on the part of investors, it’s really a rational behavior,” Diokno said in an interview.

Diokno reiterated that the slide of peso to a seven-year low was a result of the impending increase in interest rates in the US. See BUDGET, page 8

Firestorm meets NBC’s ’Mail Order Family’ TV show project

By Abner Galino

A FIRESTORM has greeted a giant television network’s announcement of a comedy show series that would revolve around the story of a Filipina mail order bride.

As the news circulated about the National Broadcasting Company (NBC) giving the green light for the production of the sitcom “Mail Order Family,” Asian

Americans and other concerned personalities took to twitter and other social media sites to bash the project, calling it a backward step in the promotion of diversity and false stereotyping in the entertainment business.

An online petition to stop the production was immediately started and has garnered (as of presstime) over 4,000 signatures just a few See MAIL ORDER, page 8

MIRIAM: ONE OF THE ‘GREATEST’

Former Senator Miriam Defensor Santiago.

PNP chief proposes amendment to anti-wiretapping law: Philippines National Police (PNP) chief, Director General Ronald Dela Rosa, says he will ask President Rodrigo R. Duterte to prioritize proposals including amendment to the anti-wiretapping law to help their anti-illegal drugs campaign during a media briefing on Tuesday (September 27, 2016) at the Senate in Pasay City. (PNA photo by Jess M. Escaros Jr.)

MANILA, Sept 29 (Mabuhay) – Senators on Thursday joined in mourning the death of former Senator Miriam Defensor Santiago, with most of them hailing her as one of the greatest public servants.

Senate President Aquilino “Koko” Pimentel III, a student of Santiago in the UP College of Law, said he owes his legal knowledge to Abuse Resistance Education the late senator.

LAPD to train Manila cops vs drugs

By Lily O. Ramos

MANILA, Sept. 28 (PNA) – Manila Mayor Joseph Estrada announced Wednesday he will bring to the city next month a team of elite policemen-instructors from the Los Angeles Police Department (LAPD) to train members of the Manila Police District (MPD) to become Drug

(DARE) instructors.

DARE Philippines Association, Inc., a non-profit non-government organization, brought DARE from the US to Philippine schools in 1993 through Estrada’s initiative when he was vice president and concurrent See LAPD TO TRAIN, page 8

“I would always intently listen to her when she would speak in the Senate on constitutional and international law matters. I did not always agree with her position but I always learned from her arguments,” Pimentel said.

“I’m saddened by her passing, saddened more by the fact that I wasn’t able to visit her during her last days with us,” he added.

In a statement, Senate President Pro-Tem-

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pore Franklin Drilon said “there is no senator, past or present, who can match Senator Santiago’s uncommon brilliance and fiery dedication to her principles and beliefs.”

“She was an intellectual giant and a legal luminary whose wit and words benefited this nation and its people so many times over.

She’s a loss to the country. She will remain an inspiration to all of us,” Drilon said.

See MIRIAM, page 8

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Credit after bankruptcy – Yes you can!

After a debtor receives a discharge in bankruptcy, creditors whose debts are discharged are required to report that the account has a zero balance.

The fact of the filing itself can remain on the credit report for 10 years from the date it was filed. A debtor interested in re-establishing credit after bankruptcy should obtain credit reports from the 3 largest credit reporting agencies, (Experian, Equifax, and Trans Union) and ensure that the account balances have all been zeroed out. If not, the debtor should contact the credit reporting agencies and ask that the record be corrected Methods of Re-Establishing Credit A debtor seeking to re-establish credit should consider applying for a secured card, usually a Visa or Master Card. This is a credit card issued by a bank to a customer who is required to establish a savings account at the bank, which is used as security or collateral for the card.

Typically, the limit on the card is based on the amount of collateral put up in the form of the savings account.

Often, the bank will have an annual fee. The benefit of the secured card is that banks will issue them to persons with poor credit reports in the past, but who have the ability to pay the deposit to secure the account.

Major store cards are also a good addition to building credit. Once you have a major credit card, even a secured card, it’s usually all that’s required to open an account at a major store, such as JCP, Kohls, etc.

Other methods include buying a car from a local car dealer who advertises that it specializes in making car loans to persons with bad credit or recent bankruptcies. Also, a debtor with a personal relationship with someone at a local bank should not hesitate to seek assistance from that source. There are also financial institutions that target recent bankruptcy people seeking credit. This also includes mortgage companies.

Several major companies will consider a mortgage within 1 to 2 years from the bankruptcy discharge.

The reason these companies are interested in bankruptcy discharge consumers, is because they cannot file a bankruptcy again for 8 years, do not owe money, have a good debt to income ratio (Income from employment, all debts discharged in bankruptcy), and finally, they get to charge more than regular financial institutions. Bottom line – it’s a business, and a good business at that.

Caution in Rebuilding Credit Ultimately, however, debtors emerging from bankruptcy should use their experience to avoid getting into the same financial traps, which snared them before. All too often, this was the easy availability of unsecured credit in the form of unsolicited, pre-approved, credit cards. Debtors should take steps to budget properly, not spend beyond their means, and resist the temptation to incur debt beyond their reasonable ability to repay just for the purpose of re-establishing credit.

Debtors should avoid being enticed by so-called “credit repair� agencies.

These are often simply unregulated rip-offs, who prey on the financially-distressed, and who do nothing more than what debtors themselves can do by exercising their legal right to have their reports properly list their outstanding obligations.

Income Taxes in Bankruptcy As a general proposition, older

income taxes (more than 3 years old) can be wiped out in bankruptcy; newer income taxes (less than 3 years old) cannot. A debtor/employer can wipe out the employer’s portion of older, but not newer, payroll taxes. The discharge ability of state and local, such as sales and use taxes, will depend upon their true nature, i.e., whether they are excise or withholding taxes.

The trust fund portion of payroll taxes is generally not dischargeable.

Prior to filing bankruptcy, the debtor should have his own particular tax situation assessed.

Test for Wiping Out Income Taxes The Test for wiping out income taxes in bankruptcy include: • The tax return was due more than 3 years prior to the filing • The tax return was filed at least 2 years prior to the filing • The tax has been assessed for at least 240 days prior to the filing • The tax is not based on a fraudulent return • There was no willful tax evasion by the debtor.

In Chapter 13, income taxes can be wiped out if the return was due more than 3 years prior to the filing, and was assessed at least 240 days prior to the filing. In some cases, the tax may be dischargeable even if not assessed prior to the filing.

Income Tax Liability Under the Internal Revenue Code, as a general rule, forgiveness of indebtedness constitutes income to the debtor. However, there is an exception where the debtor receives a discharge in bankruptcy.

Can Utility Debts Be Discharged in bankruptcy?

Public utilities, such as the gas and electric company, are not permitted to discontinue service because of a bankruptcy filing. However, if the utility bill is included in the bankruptcy and not paid, then the utility has the right to demand that the debtor pay a deposit within 20 days to ensure the continuation of service. Sometimes, the requested deposit is several times the amount of the bill, so it often makes sense for a cash-strapped debtor to simply pay the bill. Utility bills for service arising after the bankruptcy filing is not included in the bankruptcy, and must be paid.

Does the Bankruptcy Code prohibit discrimination based on a bankruptcy filing?

The Bankruptcy Code contains an “anti-discrimination� provision, stating that government units and private employers may not discriminate against a person solely because that person has filed bankruptcy or was insolvent. Also, if a debtor has lost his driver’s license solely because of his inability to pay damages resulting from an accident, then a bankruptcy discharge will allow the debtor to get his license back. Too many debts? Cannot sleep at night?

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Trillanes, De Lima seek probe into supposed Bilibid riot

By Azer N. Parrocha

MANILA, Sept. 28 (PNA) – Senator Antonio “Sonny” Trillanes IV and Senator Leila de Lima on Wednesday filed a resolution seeking a probe into the alleged riot that erupted inside the New Bilibid Prison (NBP) earlier in the day, involving high-profile inmates.

The resolution directs the proper Senate Committee to conduct an inquiry on the apparent mismanagement and/or incompetence of the national Bilibid Prisons by the

Bureau of Corrections and the Philippine National Police (PNP) leading to a brawl.

It also said that the probe will be done in aid of legislation and will have the end in view of enacting remedial legislation that would prevent the recurrence of similar incidents.

Justice Secretary Vitaliano Aguirre II earlier confirmed the death of inmate Tony Co in the riot that started at 7:45 a.m. Meanwhile, inmates Peter Co, Jaybee Sebastian

and Vicente Sy were injured.

This after a fellow inmate named Clarence Dongail reprimanded the three Chinese inmates -- the two Cos and Sy -- after he allegedly caught them in the act of sniffing ‘methamphetamine hydrochloride’ or shabu.

Tony Co, a few minutes later, reportedly attacked Dongail who happened to be inside the cell of convicted drug lord Jaybee Sebastian, with an ice pick. The three were brought to the Muntinlupa Medical Center for treatment.

Speaker Alvarez: ‘Forces’ who don’t want Sebastian to testify could be behind attack MANILA, Sept 28 (Mabuhay) – House Speaker Pantaleon Alvarez on Wednesday said he thinks certain “forces” are behind the attack on Bilibid inmates, including Jaybee Sebastian, so they won’t be able to testify on the illegal drug trade inside the national penitentiary.

Alvarez said the timing of the attack was suspect, especially since the House committee on justice has already summoned Sebastian to its drug-related inquiry next week.

“That [attack] is sad. Apparently, there are forces na ayaw na mag-testify iyong Jaybee Sebastian and tingnan natin ang motibo kung sino ang ayaw na malaman siguro ang katotohanan,” said Alvarez.

“Bakit ngayon lang sila magpapatayan, targeted pa ang intended resource person ng committee on justice,” the House leader said, adding

that there is “always that possibility” that the attack is connected to the ongoing House probe. Several of Sebastian’s fellow inmates at the New Bilibid Prison earlier pointed to him as the one responsible for mobilizing drug lords to come up with money for then-Justice Secretary Leila de Lima’s senatorial campaign.

De Lima has since denied the allegation.

At a press briefing at the Senate, De Lima doubted whether the incident was indeed a riot as announced by authorities, but could be another way of persuading Bilibid inmates of testifying against her. “Absent [of] any other available and reliable information, I’m not discounting the fact that [this] is another way of persuading the Bilibid 19 to testify against me,” De Lima told reporters.

“This is Malacañang’s way of sending

its message to prisoners who refuses to implicate me as part of [Justice Sec. Vitaliano] Aguirre’s teleserye drama projecting me as Bilibid queen,” she added.

Alvarez said he would understand if Sebastian would be unable to attend the resumption of the House probe due to his injuries, saying there are other witnesses lined up to testify. The Speaker said they would also be studying the possibility of also extending immunity to Sebastian. “[Pero] iyong immunity naman hindi magiging solusyon para maging safe ang buhay niya sa loob.”

Justice Secretary Vitaliano Aguirre II earlier said the stabbing incident happened around 7:40 a.m.

Apart from Sebastian, other inmates who figured in the stabbing incident were Peter Co, Tony Co and Vicente Sy.

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PSG denies De Lima’s claim that Sanchez was forced to sign affidavit LA, Sept. 28 (PNA) – The Presidential Security Group refuted on Wednesday Senator Leila de Lima’s claim that her former security aide Philippine Air Force (PAF) Sgt. Jonel Sanchez was forced to sign an affidavit against the lady senator. ”This is to refute her statement about Sgt. Jonel Sanchez PAF. To date, he has not signed any affidavit to that effect,” PSG spokesperson Lt. Col. Michael Aquino said in a press statement. Aquino said Sanchez, who has been confined to barracks while he was being investigated for allegation that he was De Lima’s bagman, has signified to have a counsel “preferably of his own choice.” ”But up to now he has not presented one. Since we fully respect his right to counsel, we have given him enough leverage to produce one. Therefore, the text message sent to Sen. De Lima has no basis,” Aquino said. In a press conference at the Senate on Wednesday, De Lima claimed that she received a text message from her asset that her former security aide was being forced to sign an affidavit. Aquino assured that the PSG will abide by the rule of law in handling the case of Sanchez. The PSG reportedly said it would allow Sanchez to appear in the House of Representatives inquiry into the alleged proliferation of illegal drugs at the New Bilibid Prison (NBP) under De Lima’s watch as former Justice secretary. In previous House probe, several witnesses from the national penitentiary, have accused De Lima of receiving millions of funds from convicted drug lords to finance her senatorial election campaign.

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DOH says US-CDC’s issue Zika travel alert for US citizens in PHL

By Leilani S. Junio

MANILA, Sept. 30 (PNA) -The Department of Health (DOH) said on Friday that the United States Centers for Disease Control and Prevention (CDC) advisory for travelers, especially pregnant women, to postpone non-essential travels to 11 Southeast Asian countries, including the Philippines, is applicable only for pregnant women travelers who are US citizens and not for

the Filipinos.

“Lilinawin lang natin, ang travel notice ay para sa travelers, especially pregnant women, to avoid non-essential travels.

So kung essential travel, pwede; hindi siya total restriction. Hindi kagaya sa Singapore at Brazil which is ‘don’t travel’,” DOH Spokesperson and Assistant Secretary Dr. Eric Tayag told the Philippines News Agency in an interview.

Threat of suspension looms over 20 metallic mines

By Catherine J. Teves

MANILA, Sept. 27 (PNA) – Twenty of 41 metallic mines in the country face possible suspension of respective operations for supposed non-compliance with relevant laws and regulations.

Environment Undersecretary Leo Jasareno identified firms operating such mines as Lepanto Consolidated Mining Co., Benguet Corp., OceanaGold Phils. Inc, Filminera Resources Corp/Phil. Gold Processing & Refining, Strongbuilt Mining Dev’t. Corp., AAMPhil Natural Res. Explo & Development Corp., Adnama Mining Res. Corp., Minimax MineralExplo Corp., Carrascal Mining Corp. and Century Peak Corp.

Also recommended for suspension are CTP Construction & Mining Corp., SR Metals Inc., Wellex Mining Corp., Hinatuan Mining Corp., Krominco Inc., Libjo Mining Corp., MarcVentures Mining & Dev. Corp., Norweah Metals & Minerals Co. Inc., Oriental Synergy Mining Corp. and Sinosteel Phils HY Mining Corp.

“We’ll provide such firms results of

our audit on respective operations,” he said Tuesday during a press conference.

He noted such move aims giving the firms a chance to dispute the audit results and explain if these indeed failed complying with relevant laws and regulations.

Jasareno said upon receipt of the audit results, the firms have seven days to respond and explain respective sides. Failure to respond will result in suspension, he said.

“If violations we cited carry penal provisions, these will be applied as well to firms concerned,” he said.

Should the firms’ explanations be adequate and satisfactory, Jasareno said Department of Environment and Natural Resources (DENR) will allow these to continue operating.

“We’ll issue the suspension order if there’s strong basis to do so,” he clarified. Jasareno further said suspended firms must address environmental degradation arising from non-compliance with laws and regulations before DENR allows these to operate again.

The CDC earlier issued an advisory warning travelers, especially pregnant women, coming to several Southeast Asian countries, including the Philippines, to postpone non-essential travels due to the Zika virus.

The CDC said the Zika virus has been present in areas of Southeast Asia for many years, with several countries reporting occasional cases of the infection.

The other Southeast Asian

countries in the list are Brunei, Myanmar (formerly Burma), Cambodia, Indonesia, Laos, Malaysia, Maldives, Thailand, Timor Leste (East Timor), and Vietnam.

If traveling to the 11 countries is deemed inevitable, the CDC urged pregnant women to first consult with their doctors.

“Women who are pregnant, or planning to become pregnant, should discuss their travel plans with their doctor,” said the CDC.

U.S. Fed chief says appropriate to raise interest rate this year WASHINGTON, Sept. 29 (PNA/Xinhua) – U.S. Federal Reserve chairwoman Janet Yellen said on Wednesday that most of her colleagues see it appropriate to raise interest rate this year if the economy continues on current path.

“Many of my colleagues indicated in their recent projections, the majority that they would see it as appropriate to make a move to take a step in that direction (removing monetary accommodation) this year if things continue on the current path and no significant new risks arise,” Yellen said before the U.S. House financial services committee on Wednesday.

She said that she has been “pleasantly surprised” to see unemployment rate did not fall further along with the robust job growth. The job creation has been at a pace of about 180,000 per month this year, while the unemployment rate remained around 4.9 percent, little changed this year.

With the accommodative monetary policy, “continued job creation at that pace would cause the economy to overheat and would push the unemployment rate down to lower level for now,” said Yellen.

She warned of the risk of allowing the economy to overheat which could force the Fed to raise interest rates more rapidly and jeopardize the central bank’s efforts to promote maximum employment and price stability. The U.S. Fed kept the interest rate unchanged last week and said it will need more evidence that the inflation and job market continue to improve before raising rates.

Yellen said on Wednesday that there was no significant upward pressure on inflation and the unemployment rate has not fallen further.

But she stressed that there’s no fixed time table for interest rate hikes.

In her testimony, Yellen also said that the central bank is considering making changes to annual stress tests. According to the Fed chief, the current capital buffer would be replaced with a risk-sensitive, firm-specific buffer, which would result in a “significant aggregate increase in capital requirements” for the eight largest U.S. banks.

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‘King’ Arthur steals thunder from Nietes, Magsayo the longest reigning Filipino world champion, will continue his reign as the WBO Intercontinental flyweight champion.

The 34-year-old fighter from Bacolod City, outclassed ex-world champion Edgar Sosa.

“Bandang Round 5 medyo nabasa ko na ang kalaban,” Nietes said after the bout.

Nietes was in control of every round during the fight, methodically throwing punch combinations in the body and head of Sosa; and effectively throwing counter punches whenever Sosa was playing his offenses.

A 1-2 combination in the last seconds of the 10th round staggered Sosa, but Nietes failed to end the match. Nietes would later tell the media that he was not in a hurry to knock out Sosa because he was still testing his power at the 112 lbs division.

Credit was due Mark Magsayo (15-0) but as well as to his Mexican opponent Ramiro Robles, a last-minute replacement to the original match up, who showed toughness and courage to carry the fight to the end of its 12-round schedule.

Obviously, the crowd was expecting another knockout show from the 21-year-old Magsayo. They thought it was coming in the 7th round when Magsayo floored Robles with a hard right in the body. However, Robles survived the round and fought gamely despite being outgunned the remaining rounds.

Mexico’s Ruben Garcia was initially scheduled to fight Magsayo.

He suffered an injury in training and was forced to pull out of the WBO international featherweight championship bout.

Pinoy Pride 38 was sub-titled Philippines versus Mexico.

By Abner Galino

Out to dispel speculations that he won his previous fight through a stroke of luck, “King” Arthur Villanueva went on to steal the thunder from fellow Filipino boxers Donnie “Ahas” Nietes and Mark “Magnifico” Magsayo (both were more popular than him) by displaying impressive skills, speed and power and sending his Mexican opponent into the canvass in just the second round of their bout. Villanueva came out aggressive yet cautious in the first round of his rematch with Juan “El Penita” Jimenez. He was able to connect solid combinations into Jimenez’s head and body before retiring to his corner.

In the second round, Villanueva continued to score clear and solid punches into Jimenez head and body by moving in and out of his opponent’s reach.

Villanueva was nearly pinned into a corner after a fierce exchange of punches. He weaved out and threw a right straight into Jimenez’s jaw, he followed it up with another right hook which felled Jimenez face down on the canvass.

The end of the match came at 2:20 in the second round. Villanueva and Jimenez fought in Cebu City last May as an undercard to the Nonito Donaire-Zsolt Bedak title fight. The boxers accidentally clashed heads in the fourth round which rendered Jimenez unconscious. The World Boxing Organization (WBO) Asia Pacific bantamweight championship will remain with Villanueva (30-1 W-L with 16 knockouts).

Also part of an explosive night at the Stubhub Center in the City of Carson on Saturday was Donnie “Ahas” Nietes’ debut in the flyweight division.

Nietes (39-1-4, with 22 KOs),

“King” Arthur Villanueva celebrates after knocking out Mexican opponent Juan “El Penita” Jimenez in the second round of their rematch at the Stubhub Center in the City of Carson.

Villanueva retains his WBO Asia Pacific Bantamweight belt. Photos by PAOLO CAMACHO

Donnie “Ahas” Nietes exchanges blows with Mexican boxer Edgar Sosa during their match at the Stubhub Center in the City of Carson on Saturday night. Nietes won by unanimous decision to win the World Boxing Organization (WBO) Intercontinental flyweight championship.

PNP chief Bato dela Rosa surprised with Bilibid riot, says probe ongoing MANILA, Sept 28 (Mabuhay) – Philippine National Police chief Director General Ronald dela Rosa expressed surprise Wednesday on the riot at the New Bilibid Prison which resulted in the death of a Chinese drug lord and the wounding of three others, including Jaybee Sebastian.

“Yes, nagulat ako bakit sila nagpapatayan,” Dela Rosa told reporters at the sidelines of Asian Defense, Security, and Crisis Management Exhibition and Conference in Pasay City.

“Meron tayong investigation na ginagawa. I hope they will come up

with a very good investigation, result in their investigation kung ano ang nangyari doon,” he added.

The SAF has been assigned to guard the maximum security compound following reports that illegal drug operations continue inside the national penitentiary.

Chinese drug lord Tony Co was killed in a stabbing incident while Peter Co was in critical condition.

Sebastian, on the other hand, was already in a stable condition at the Medical Center of Muntinlupa City.

Another high-profile inmate, Vicente Sy, was also hurt in the inci-

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dent. He was taken to Ospital ng Muntinlupa.

Sebastian is allegedly one of the convicts being convinced to testify against Senator Leila de Lima regarding the drug trade at the NBP. Asked if the incident would finally convince Sebastian to testify, Dela Rosa refused to comment.

“I dont know. You better ask him.

Hindi ko siya kilala, hindi ko alam ang nasa loob ng utak niya,” he said.

He believed the incident would create distrust among inmates.

“That will create distrust among them. So magkakaroon sila ng pag-

dududa sa bawat isa, who is who now inside the Bilibid,” he said.

“Mas maganda yan para mag-ingat sila, hindi sila kampante sa kanilang palibot,” he added. (MNS)

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Playing De Lima â&#x20AC;&#x2DC;sex videoâ&#x20AC;&#x2122; is illegal, Gabriela warns House MANILA, Sept 29 (Mabuhay) â&#x20AC;&#x201C; The plan of some administration allies to show a purported sex video of Senator Leila de Lima at a congressional inquiry into the alleged Bilibid drug trade would be a violation of the law, a party-list group dedicated to upholding womenâ&#x20AC;&#x2122;s rights said Thursday.

Justice Secretary Vitaliano Aguirre II argued Wednesday that the video will establish De Limaâ&#x20AC;&#x2122;s alleged affair with her former driver, Ronnie Dayan, who allegedly extracted drug-tainted money from convicted crime lords when the senator was still justice secretary.

But the Gabriela Womenâ&#x20AC;&#x2122;s Party cited the Anti Voyeurism Law which penalizes â&#x20AC;&#x153;the act of broadcasting, through any device, photos, videos or recording of sexual acts.â&#x20AC;?

â&#x20AC;&#x153;No man, woman or child, no matter how justified the case is presented for such proposals, deserve to be subjected to the prospect of oneâ&#x20AC;&#x2122;s private affairs exposed,â&#x20AC;? Gabriela Rep. Emmi De Jesus added.

De Jesus also argued that playing the video will serve no purpose at all. â&#x20AC;&#x153;Showing of the video muddles the issues central to the investigations into the links between government officials and the drug trade. â&#x20AC;&#x153;Congressional hearings should focus its probe on the salient pieces of evidence that will point to the involvement of drug lords and government officials in the illegal drug trade,â&#x20AC;? De Jesus said.

House Speaker Pantaleon Alvarez has given a go signal for the House committee on justice to play the video on its next hearing.

De Lima dares Duterte: Arrest me now, Iâ&#x20AC;&#x2122;ll wait for you

MANILA, Sept 28 (Mabuhay) â&#x20AC;&#x201C; Senator Leila de Lima on Wednesday dared President Rodrigo Duterte to have her arrested immediately amid accusations of her involvement in the illegal drug trade. â&#x20AC;&#x153;Tama na. Hulihin ninyo na ako ngayon. â&#x20AC;&#x2DC;Yun naman talaga gusto niyo. Ikulong ninyo na ako ngayon.

Iâ&#x20AC;&#x2122;m here. Do what you want to me, Mr. President. I will wait for you,â&#x20AC;?

De Lima said. The senator added she will not go somewhere. â&#x20AC;&#x153;I want to fight here in my country,â&#x20AC;? she said.

De Lima turned emotional in a press briefing held at the Senate, saying she and her staff are being harassed by the government.

â&#x20AC;&#x153;I feel so helpless,â&#x20AC;? the senator said. â&#x20AC;&#x153;Hindi po ako duwag dahil wala akong kasalanan; â&#x20AC;&#x2DC;yung mga nagtatago lamang, mga duwag ang umaatras,â&#x20AC;? De Lima stressed.

She also called the government an â&#x20AC;&#x153;assassin stateâ&#x20AC;? using â&#x20AC;&#x153;mafia tacticsâ&#x20AC;? to scare witnesses who refuse to testify against her, as she doubted that the incident in Bilibid where a Chinese drug lord died was a â&#x20AC;&#x153;riot.â&#x20AC;? â&#x20AC;&#x153;Absent any other available reliable information, I am not discounting the fact that this is another way of the government â&#x20AC;&#x2DC;persuadingâ&#x20AC;&#x2122; the Bilibid 19 to testify against me,â&#x20AC;? De Lima said.

7

Solon wants De Lima probed over Bilibid â&#x20AC;&#x2DC;riotâ&#x20AC;&#x2122; MANILA, Sept 28 (Mabuhay) â&#x20AC;&#x201C; A lawmaker on Wednesday urged authorities to find out if Sen. Leila de Lima has anything to do with the stabbing incident inside the New Bilibid Prison earlier in the day, which wounded convict Jaybee Sebastian.

Sebastian, who was earlier accused by fellow inmates to be behind collecting money for De Limaâ&#x20AC;&#x2122;s campaign kitty, was stabbed along with Chinese drug convicts Peter and Tony Co, as well as high-profile inmate Vicente Sy. â&#x20AC;&#x153;There are forces that would want to prevent Jaybee Sebastian from testifying from Congress to look into whether Leila de Lima is involved in the affairs in Muntinlupa,â&#x20AC;? said Kabayan Rep. Harry Roque Jr. in a news conference at the House of Representatives.

The stabbing happened a week after De Lima claimed Sebastian was a government asset who helped the previous administration in a drug raid in December 2015 that led to the transfer of 19 high-profile inmates to the National Bureau of Investigation.

De Lima, a former Justice secretary, is being accused of benefiting from the illegal drug trade inside the national penitentiary in the form of funds for his senatorial campaign.

At a press conference earlier in the day, De Lima said she would not be surprised if the incident at the NBP will be blamed on her. â&#x20AC;&#x153;Ano na naman implication nila, kagagwan ko na naman yan? Inaapi tapos ganyan pa gagawin nila? Lahat na lang sinisisi nila sa akin, and they call themselves men?â&#x20AC;? De Lima said.

De Lima Bilibid â&#x20AC;&#x2DC;assetâ&#x20AC;&#x2122; hurt in riot; high-profile inmate killed 28 (Mabuhay) â&#x20AC;&#x201C; High profile inmate Tony Co was killed in a riot that ensued inside Building 14, the supposedly most secure area inside the New Bilibid Prison (NBP).

Listed in critical condition was convicted drug lord Peter Co, Justice Secretary Vitaliano Aguirre said.

Also wounded was Jaybee Sebastian, a kidnapping for ransom convict who allegedly raised funds for Senator Leila de Limaâ&#x20AC;&#x2122;s candidacy.

De Lima said Sebastian was a government asset.

Sebastian, Peter Co and Tony Co were taken to the Muntinlupa Medical Center, while another inmate Vicente Sy was taken to the NBP

Hospital.

The riot occurred at about 7:30 a.m., when fellow inmate, convicted police officer Clarence Dongail confronted Tony Coâ&#x20AC;&#x2122;s group who were having a â&#x20AC;&#x153;pot sessionâ&#x20AC;? inside their cell. â&#x20AC;&#x153;Nagsa-shabu raw itong sina Tony Co, Peter Co at Vicente Sy kaya sinaway sila ni Major Dongail,â&#x20AC;? Aguirre told Radyo Inquirer.

(Tony Co, Peter Co and Vicente Sy were using shabu so Major Dongail accosted them) â&#x20AC;&#x153;Huwag kayong magsa-shabu pagkat lahat tayo mapapasama rito,â&#x20AC;?

Aguirre quoted Dongail as telling the Chinese inmates. (Donâ&#x20AC;&#x2122;t use shabu because we will all get in trouble.)

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LOS ANGELES

From page 1

From page 1

had already invaded her brain, she was still sharper than any of us, displaying an acumen that was hard to defeat,” Recto said.

“Senator Miriam was one of a kind. And we are lucky that like a meteor that streaks across our skies once every century, we were able to witness her dazzling brilliance during our lifetime,” he added.

Senator Panfilo Lacson, who were once political rivals with Santiago, said that while he was not the “best of friends” with the late senator, she will be remembered as “passionate, articulate and a renowned constitutionalist.”

On his Twitter account, Senator Francis Escudero extended his condolences to Santiago’s husband, lawyer Narciso “Jun” Santiago Jr., and hailed Miriam as “one of the greatest.”

Also on Twitter, Senator Gregorio Honasan said Santiago “leaves behind footprints in our public lives that will be hard to follow.”

Senator Sonny Angara, for his part, said the “country lost a patriot and much admired public servant.”

BUDGET From page 1

“Ngayon ang nakikita nila (investors) na babalik na yung gumaganda na yung ekonomiya sa Estados Unidos, tumataas na interest rates, bumabalik na sila doon,” the Cabinet official explained.

Speaking before the Philippine Marines in Taguig on Tuesday, Duterte said he believes that the United States is undermining the Philippines, pointing to the recent dip of the Philippine peso as proof.

Balita

LAPD TO TRAIN

MIRIAM Drilon and Santiago were classmates in the University of the Philippines-Iloilo College and the UP College of Law, from 1961 to 1969.

Upon learning the news in separate public hearings, Senators Grace Poe and Risa Hontiveros offered a moment of silence for Santiago.

Poe, chair of the Senate committee on public information holding a hearing on the freedom of information (FOI) bill, said she dedicates the measures to her “courageous colleague” Santiago.

“This bill is also dedicated to her.

And hopefully we also pass it in her memory,” Poe said, as she recalled one of her sleepless nights preparing for an interpellation with the feisty senator.

Hontiveros, for her part, briefly interrupted the budget hearing on the Commission on Human Rights (CHR) and informed the Senate finance committee of Santiago’s death.

Senator Ralph Recto said Santiago “set the benchmark in clarity of thought and convincing discourse.”

“On her worst day when cancer

Weekend Balita, Sat.-Fri., October 1 - 7, 2016

“Ina-undermine tayo ng mga Amerikano ngayon. They are manipulating na ang peso raw ay bumababa,” Duterte said.

The local currency gained 8 centavos to close at P48.170:$1 from P48.250 on Monday.

Though the peso appreciated, it is still at its weakest since September 16, 2009, when it closed at P48.050:$1 at the height of the global financial crisis. (MNS)

head of the Presidential Anti-Crime Commission (PACC).

Estrada said they hope to train more DARE instructors as part of the city government’s plan to expand the coverage of DARE, a classroom instruction program that taps active duty police officers to teach Grades 5 and 6 students good decision-making

skills to keep them away from drugs and other vices. “We will be going full-blast so we need more DARE instructors who will give DARE lessons,” the mayor said. “This is my way of helping President Duterte in his fight against drugs, by teaching the young generation how to say ‘No’ to drugs at an early age.”

MAIL ORDER From page 1

hours after the news broke out.

Nikole Cababa, deputy secretary general of Bagong Alyansang Makabayan (BAYAN-USA), decried NBC for green-lighting a project that could potentially “make entertainment out of the suffering of the Filipino people.”

“It is not appropriate, because we all know that these women who fell into the mail order bride system were driven by low wages and poverty in the Philippines. It is a recognized form of exploitation,” Cababa pointed out.

Another leader Filipino-American leader, Hiyasmin Saturay of Migrante South Bay-Orange County, joined the call to stop NBC from pursuing the controversial project.

Saturay drew attention to the violence and even fatal consequences of the mail order bride system, citing the cases of Susana Blackwell of Seattle, Washington in 1995 and of Estelita Reeves of Texas in 1996.

Both Filipinas were married to their American spouses through the mail order bride system.

“Kailangan tutulan natin ang series na ‘yan bago pa maging sitcom.

Hindi tama na gamitin for entertainment ang isang form of trafficking,” Saturay added.

Saturay also expressed apprehension that the planned sitcom may also lead to false stereotyping of Filipino women, which may play along the type of a submissive, sexualized Asian female.

Filipino-American organizations are planning to stage a demonstration in front of the NBC office in Los Angeles (Universal City Plaza) on Tuesday to express their disgust over the project.

Mail Order Family is loosely based on the life of TV sitcom “Superstore” writer and producer Jackie Clarke who experienced her father ordering a mail order bride from the Philippines.

The said marriage did not work out well and Clarke was left with an unfavorable view of her Filipino stepmother – a story that was told in PBS’s This American Life months back.

But when NBC announced that it will produce the comedy series based on Clarke’s life – the script of which she would also be writing – the TV network was deluged with protests.

On Twitter, Clarke defended the project by telling a critic that the mail order bride is: “It’s just an element of the show. I’m going to create a complex character here.”

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9

‘Jubilee!’ a 25th anniversary celebration of St. Lorenzo Ruiz Catholic Church A surprise invitation was extended by this author’s cousin, Odette Ricasa for me and media colleague, Lydia Solis to grace the “Jubilee!” concert at St. Lorenzo Ruiz Catholic Church in commemoration of its 25th anniversary celebration, last Saturday, September 24th.

As Lydia and I were ushered in to our seats at the fully packed church

by Honchee Natividad (a good friend from this author’s West Covina days), we were both amazed to watch the video presentation of how the modern and highly aesthetically-looking architecture of the church was built and developed during the late 80’s.

In its silver jubilee leaflet, the church’s Pastor, Father Tony Astudillo said: “everyday, I marvel at our sprawling gardens, our church of stone and the entire expanse of our church grounds...everywhere I look at almost anytime of the day, there is something going on in this dynamic parish of ours...and I could not help but say’, “what a beautiful thing WE have been graced with!” Indeed, we have been blessed. This place is God’s love and mercy for all of us. We have the privilege and opportunity to keep it, nurture it and strengthen it.”

The 50-member St. Lorenzo Ruiz Jubilee Choir, presented an evening of angelic songs, through the dynamic and impressive musical direction of UP Conservatory of Music graduate, Paul Concepcion, whose conducting prowess reminded us of a young Pinoy version of Venezuelan-born LA Phil Conductor, Gustavo Dudamel and the voices of his choir truly mesmerized us, along with the superb accompaniment of the young musicians of the Diamond Bar High School Symphony Orchestra.

The concert was divided in three parts: the first part was called “ Jubilee,” where the choir rendered songs about love, mercy, grace, forgiveness, solidarity and peace and its initial processional song, was “The Angelus.” The next songs were: “Every Move I Make; “ “Sapagka’t Ang Diyos Ay Pag-Ibig,” with soloists: Jason Laurel and Royce Bolante; “Who Am I,” sang by soloist, Brian Roberts; and the choir belted out other songs such as: “Shout to the Lord; “ “Joshua Feel the Battle of Jericho” and “Lord, I Lift Your Name on High .”

The church’s Hispanic Choir, headed by Antonio Fernatt, of the church’s Hispanic Ministry, presented their upbeat song called “Santa Maria Dela Esperanza,” which reminded of my mother’s favorite Spanish songs such as “Malaguena.”

To end the first part of the concert, a trio of “Jubilee” songs were rendered by soloists: Bjshop Oscar Solis, Fr. Tony Astudillo (Church Pastor) and Bryan Pulido.

The second part of the concert were songs about St. Lorenzo’s martyrdom, courage, faith and hope. some of the songs were: “One Faith, One Hope, One Lord; “ “ Soon I Will Be Done” and medley songs such as” Courageous,” by soloist, Brian Roberts, a “Martyr” song,” by soloists: Alfred Quinto, Virgencita Cortes, Robert and Emma Yumul; “May Bukas Pa” and “When You Believe,” sang by soloists: Bess Valenzuela, Jordan Jimenez, Devon and Jada Roberts; “Maria,” sang by special guest, Mat Ranillo and “Sa Iyo, San Lorenzo Ruiz,’ sang by two clergies: Fr. Timoteo Jose Ofrasio, S.J. and Fr. Eduardo Hontiveros, S.J. The third and final part of the

concert, called “The Holy Family Welcome Home,” included Father Tony Astudillo’s special Jubillee message, where he emphasized that the concert was not a fundraiser, but rather a celebration of the church’s 25th anniversary, and it was an opportune time for him to acknowledge the hardworking parishioners who put this concert together, such as: Arcel Punsalang, Event Chairman, Paul Concepcion, Music Director and the two doctors who extended their financial generosity, to meet the church’s financial responsibility of becoming debt-free. Highlight of the evening was the solo song of Bishop Oscar Solis, who sang the “Magnificat/Holy Is His Name,” followed by the choir’s song of “Make His Praise Glorious,” and a final solo song by Fr. Martin Madero called “”Joseph’s Song.” Lydia and I were

Singing their trio song, from left: Fr. Tony Astudillo, Pastor, Bishop Oscar Solis and Fr. Bryan Pulido. Photos courtesy of Lydia Solis

both thankful to cousin, Odettte Ricasa for giving us the opportunity to experience not only the spirit and soul of the church’s parishioners, but also to commend its Pastor, Father Tony Astudillo for leading such a great Catholic community church away from our homeland. May Saint Lorenzo Ruiz look down and shower his blessings on all its parishioners.

Mabuhay!

Matt Ranillo

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Will incorporating a separate property business during marriage make it community property?

You own a successful business, as a sole proprietor, prior to marriage.

You later meet the love of your life and decide to marry her. Years into the marriage, you decide to incorporate the business. A common question when the couple later divorces becomes 1) did your separate property business become community property by virtue of incorporating it during the marriage? 2) Was your separate property business “transmuted” to community property by incorporating it during the marriage?

No Community Property Presumption Family Code §760 defines “Community property” as “Except as otherwise provided by statute, all property, real or personal, wherever situated, acquired by a married person

during the marriage while domiciled in this state is community property.

However under Marriage of Koester, the Court held that the community does not “acquire” a separate property business simply because the business is incorporated during the marriage.

The mere incorporation of a business operated by spouse is not a change in its character, for purposes of division of community estate following divorce.

In Koester, the Court stated that he incorporation simply effects a change

in the legal form under which the business is conducted and property does not change its character merely because of a change in form or identity.

Marriage of Koester (1999) 73 CA4th 1032, 1035, 1038, 87 CR2d 76, 79, 81. The Court in Koester also stated that “In contrast with the way title is taken when a married couple own residential property, the incorporation of a sole proprietorship business is typically done for reasons extrinsic to the marital relationship. To say ... that an asset was ‘acquired’ by the community ... because some aspect of corporate formation took place during the marriage is to elevate semantics over substance” No Transmutation Incorporation of a sole proprietorship business during the marriage can trigger a family code § 2640 tracing right of reimbursement only when it is also accompanied by an unambiguous express written transmutation of the business to community property as required by Family Code § 852.

Marriage of Koester, supra, 73 CA4th at 1036–1037, 87 CR2d at 79–80 & fn.

5. Under Family Code §852, a transmutation of real or personal property is not valid unless made in writing by an express declaration that is made, joined in, consented to, or accepted by the spouse whose interest in the property is adversely affected. In Koester, the act of changing the legal form under which a business is conducted does not meet the requirements of family code § 852 for a valid transmutation.

Marriage of Koester (1999) 73 CA4th 1032, 1037, 87 CR2d 76, 80 & fn. 5.

Incorporation of a sole proprietorship business is typically done for reasons extrinsic to the marital relationship.

Although the mere act of incorpo-

rating a separate business during the marriage does not change the character of the business to community property, the community may still acquire an apportionment interest if the value of the business substantially appreciated during the marriage due to the labor and hard work of the managing spouse during the marriage.

The apportionment calculation is done using the formula in the Pereira or Van Camp case where the contributions of effort and return on capital are separated from the value of the business.

Please note that this article is not legal advice and is not intended 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 specific 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 Offices of Kenneth U. Reyes, APLC. This article is not a solicitation.

Attorney Kenneth Ursua Reyes is a Certified 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) 3881611 or e-mail kureyeslaw@gmail.com.

Visit our website at kenreyeslaw.com

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Clients choose chapter 13 to avoid risk of losing house to chapter 7 trustee on steriods The first case involves clients who are still young. By young, I mean less than fifty, late forties. They have teenage children, one son, and two daughters. Their household income is about $75K a year. Husband used to work two jobs as a technician, while wife used to own a retail business, now defunct. She still makes some money but hardly enough to pay for her $68K of credit card debt. She racked up this debt when she used these cards to support a failing business, just to keep the business afloat for two more years. Husband owes only $20K of credit cards. Together, clients owe about $90K of credit cards. Minimum monthly payments are almost $3k a month. Needless to say, wifeâ&#x20AC;&#x2122;s cards are now all past due, while husbandâ&#x20AC;&#x2122;s cards are still current, as a last ditch effort to hold the fort, the same thing that Gen. Custer did. Thinking he could protect the fort, the Indians won and Custer died. Three Indian tribes, the Lakota, Cheyenne and Arapaho decimated the 7th cavalry of Gen. Custer, which had 700 men. Custer and his two brothers died in the battle of â&#x20AC;&#x2DC;Little Big Hornâ&#x20AC;? in 1876.

So, Iâ&#x20AC;&#x2122;m not so sure if itâ&#x20AC;&#x2122;s a good idea to take a last stand to try to pay $90K of credit card debt when clientsâ&#x20AC;&#x2122; household income, although decent at $75K a year, because there is no way mathematically for clientsâ&#x20AC;&#x2122; to pay $90K of credit card debt with minimum payments. These cards will never get paid in clientsâ&#x20AC;&#x2122; lifetime, unless they win the power ball lottery.

Dream on. The chance of winning power ball is 1 in 292 million. You have a better chance of getting hit by lightning, twice, than winning power ball.

After a little probing, I determine that clients want a Chapter 7 to wipe out all of the $90K credit cards. The problem is that their residence has about $130K of equity. It has a cur-

rent fair market value of $450K and they owe about $320K on it. It this was four years ago, they could easily sail through a Chapter 7 without the risk of losing their house to an aggressive Chapter 7 trustee. Of course, their homestead exemption is $100K plus about $25K for cost of sale of the house, so there is no viable equity for the trustee to take, so there is minimal risk to the house.

But there is a five percent chance that the trustee that gets assigned to clientsâ&#x20AC;&#x2122; case is the most aggressive Chapter 7 trustee when it comes to non exempt assets, particularly houses. If this misfortune should befall clients, this is just the worst thing that can happen to a Chapter 7 debtor with â&#x20AC;&#x153;borderlineâ&#x20AC;? exempt equity in the house, having to deal with a Chapter 7 trustee on steroids who is hell bent on selling your house for $1 of non-exempt equity.

And even though debtors have the right to convert to Chapter 13 anytime, to escape the clutches of a Chapter 7 trustee who wants to sell their house, the right to convert is not absolute.

This trustee will certainly oppose the conversion to Chapter 13. His trustee and legal fees to fight the conversion to Chapter 13 can easily reach $25K, and all of that $25K must be paid in full the Chapter 13 as priority Chapter 7 administrative fees. So even the trustee loses on the opposition, he still wins, because he still gets paid $25K in the Chapter 13 case. It doesnâ&#x20AC;&#x2122;t pass the smell test for fairness, but in reality, thatâ&#x20AC;&#x2122;s the

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way it works. I have one case now and we are fighting to keep debtorâ&#x20AC;&#x2122;s house in Chapter 7 (no conversion to Chapter 13) because debtor owes more than $1.0M of unsecured debt.

We are fighting the trustee in an adversary case because this house doesnâ&#x20AC;&#x2122;t even have non-exempt equity but the trustee is making it appear that debtor lied under oath and now asks for denial of discharge to debtor.

I just canâ&#x20AC;&#x2122;t believe what is going on in this case. But we are fighting it 100%, and in this case, we are the Indians.

To avoid this kind of scenario altogether, it is safer for clients to choose Chapter 13. In Chapter 13, they can pay a small amount, maybe $300 a month for sixty months. After having paid $18,000 in sixty months with no interest, the difference between $90K and $18K, $72K will be discharged with the last payment on the 60th payment. This means that clients will pay 20% of their $90K credit cards over 5 years with no interest, the court will discharge 80% of $72K on the 60th payment.

In Chapter 13, there is no risk of clientsâ&#x20AC;&#x2122; losing their house to the trustee because Chapter 13 trustees do not have the power to sell houses.

On the other hand, Chapter 7 trustees have the power to sell your house if there is viable non-exempt equity.

To avoid the hassle of dealing with an over aggressive Chapter 7 trustee and risk losing their house, clients chose to file Chapter 13 and pay 20% of their credit card debt. And may I add, this is the right choice because there is no risk to the house which they want to keep, and $300 plan payment is certainly a lot less than $3K a month for minimum payments that never end, with a bright light at the end of the 60th payment when $72K is discharged by the court! In 5 years, clients will owe zero unsecured debt, and they will still have their house, which may then have

$200K of equity if Hillary Clinton becomes president. Iâ&#x20AC;&#x2122;m with her. We are stronger together.

Second client is a young senior.

She is only 55. Divorced ten years ago. Now lives by herself. She used to be a happy camper with a $40K yearly salary. But she lost that job last year. She is stuck with $22K of credit card debt. She pays $900 a month for these cards to keep them current. But her savings are quickly diminishing.

When itâ&#x20AC;&#x2122;s a choice between paying $900 of rent which lets her have a roof over her head for a month, or $900 to mastercard and visa, given the fact that she now has no income, itâ&#x20AC;&#x2122;s really a no brainer. The $22K of credit cards has to be discharged.

She chooses Chapter 7 to achieve this goal. \ Her credit score will go up pretty fast since she still pays for a car. In two years her credit score will be about 620. Within a couple of months of getting her discharge, she will get new credit cards mailed to her.

Some credit cards specialize in giving credit to people who have come out of Chapter 7. Chapter 7 is the best choice for client. â&#x20AC;&#x153;Give unto the lord the glory due to his name; worship the lord in the beauty of holiness.â&#x20AC;? Psalm 29:2 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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TRAVEL

Miss Universe organizers arrive in PHL for ocular inspections

By Josephine Grace Aguilo

MANILA, Sept. 28 (PNA) – Miss Universe Organization officials are currently in the Philippines to conduct ocular inspections in Manila and other destinations to be visited by the candidates, Tourism Undersecretary Katherine de Castro confirmed on Wednesday.

In an interview, de Castro said that technical inspections were already conducted in Manila, particularly at the Mall of Asia Arena where the coronation night will be held. Other provinces to be visited

Since 1995

by the organizers are Vigan, Cebu, and Davao.

When asked about reports that other candidates are hesitant to visit Davao City due to travel advisories issued by the country they represent, de Castro clarified that there has been “no concrete statement from Miss Universe in terms of Davao.

“Davao will definitely push through. It will be part of the ocular inspection for the next few months,” she said.

After the bomb explosion in Davao City on Sept. 2 that killed 15 indi-

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Bb. Pilipinas 2016 Miss Intercontinental Jeniffer Hammond (left), Miss Grand International Nicole Cordoves (center), and Miss International Kylie Verzosa (right) pose for photographers at the Novotel, Araneta Center in Quezon City, Wednesday. The ladies are set to leave for their respective competitions next month (October). (MNS photo)

viduals and injured 69 others, five countries issued travel warnings to Davao City, namely Australia, United States, United Kingdom, Canada, and Singapore.

“Not all candidates will be joining the Davao leg. Miss Universe is not required to bring the 97 candidates,” said de Castro.

She also mentioned that Tourism Secretary Wanda Teo has assured the Miss Universe Organization that when they visit Davao, their security will be the topmost priority.

Teo has given instructions to promote Davao’s culture by featuring clothes and fabrics inspired by different tribes, and people in Mindanao are preparing to give a good show, according to de Castro.

Miss Universe and the tourism

20

(213) 249.9883 (888) 90.90.900

department are expected to give an official announcement in the next few days on how the pageant will run, the list of performers, and other important matters.

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COMMUNITY

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Myriad usage of life insurance

(From left to right): DHS Deputy Secretary Alejandro Mayorkas, Consul General of Mexico in Los Angeles Eugenio Garcia de Alba, President and CEO, California Community Foundation Antonia HernĂĄndez, Councilmember, City of Los Angeles. Gil Cedillo, and Los Angeles Board of Harbor Commissioners, and Former U.S. Ambassador to Argentina Vilma Martinez, President. Photo: Juan Alaniz, Genesis Productions.

US Citizenship & immigration Services presents â&#x20AC;&#x2DC;Outstanding American By Choiceâ&#x20AC;&#x2122; Awards The â&#x20AC;&#x153;Outstanding American By Choice Awardâ&#x20AC;? was presented by the US Citizenship & Immigration Services to Mrs. Antonia Hernandez, President & CEO of the California Community Foundation, in a ceremony at the exclusive Tom Bradley Room of the Los Angeles City Hall on Thursday, September 29, 2016.

For the past ten years, this citizenship recognition initiative is celebrated annually. The award is â&#x20AC;&#x153;bestowed to naturalized citizens who have made significant contributions to their community and their adopted country, through civic participation, professional achievement and responsible citizenship.â&#x20AC;?

Opening remarks during the event was the honorable Vilma Martinez, President of the Los Angeles Board of Harbor Commissioners (Port of LA) and former U.S. Ambassador to Argentina.

Ms. Martinez was grateful to have been invited to introduce the honorable Alejandro Mayorkas, Deputy Secretary, U.S. Department of Homeland Security, who likewise presented the award of â&#x20AC;&#x153;Outstanding American By Choiceâ&#x20AC;? to Mrs. Antonia Hernandez.

During his speech, Cuban-born Mr. Mayorkas, also said that he was also inspired to become a US citizen to avail of its priveleges, while at the same time â&#x20AC;&#x153;not losing his Cuban identity.â&#x20AC;?

He was relentles in pursuing a higher education which enabled him the path to a government position. He has known Mrs. Antonia Hernandezâ&#x20AC;&#x2122;s advocacy for â&#x20AC;&#x153;social change,â&#x20AC;? and he believes that the award honoring her has long been overdue.

The humble and unassuming Mrs. Antonia Hernandez was quite emotional during her speech. She said that â&#x20AC;&#x153;she

couldnâ&#x20AC;&#x2122;t believe that an eight year-old girl who came to the US but was born in a rural communal community in Torreon, Mexico, who grew up in the East Los Angeles neighborhood, pursued her degree in Law at UCLA and while working as a volunteer legal assistant in an immersion clinic, she found out she was not an American citizen, so she pursued to become an American citizen and proud to have its priveleges.

For her, aside for the right and privelege of becoming a US citizen, comes â&#x20AC;&#x153;responsibility to enable immigrants of all race,and gender to exsercise their constitutional rights. Further on, she specialized in Civil Rights and continued her advocacy for social change, along with civil rights leader Cesar Chavez, where she said she emphasized the ideals of the Bill of Rights and the Constitution. In 2004, she joined the California Community Foundation as President and CEO. Finally, the honorable Carlos Eugenio Garcia de Alba Zepeda, Consul General of to the United States from Mexico, recognized the importance of the California Community Foundation in its effort in promoting the advantages of becoming US citizens. Further, he said that according to recent statistics, Mexicans paid a total of $90 billion dollars in taxes. He also announced that by March 28, 2017, dual citizenship will be available to all those who wish to avail of the priveleges of both being a US Citizen as well as being a Mexican national.

The event ended up with the great hope that immigrants here in Los Angeles will take advantage of the US citizenship drive for â&#x20AC;&#x153; endless possibilities,â&#x20AC;? to enable them to take advantage of their right to vote this coming election.

By this time, most of you are already aware of the many uses of life insurance. Let me cap the celebration of September as life insurance awareness month by adding one more.

Many immigration lawyers use life insurance to reinforce evidence of spousal petition for green card and/or remove conditions on the conditional permanent resident card before it expires.

Many law firms service their clients by preparing a checklist of documents to submit which include life insurance policy/ies for the couple.

Life insurance is universally accepted as a document of love.

It somehow proves that marriage was done by both parties in good faith because life insurance takes care of the surviving spouse if something untimely, yet inevitable, will happen to the other spouse.

Life insurance may be simple, but many will certainly benefit from the services of a competent, able, and professional advisor.

If you need help, please call at 323-535-7373 or, e-mail at: leo.balita@gmail.com.

About the author: Leo Monsalud hails from Sta. Cruz, Zambales. He studied for MBA and Law at the University of the Philippines. He worked for United Laboratories, Inc. where his last position held was vice-president assigned as general manager of a division. He holds CA license #0G55218 as well as a Non-Resident license for Nevada.

Huge win for patients as Gov. Brown signs landmark bill to protect patients

In a huge victory for patients subject to lesser protections in some hospital settings, and economic sticker shock when then transferred to a nursing home, California Gov. Jerry Brown signed legislation Tuesday afternoon to substantially reform the use of â&#x20AC;&#x153;observation statusâ&#x20AC;? by California hospitals.

SB 1076, introduced by Sen. Ed Hernandez of West Covina on behalf of the California Nurses Association/National Nurses United, extends to patients placed in â&#x20AC;&#x153;observationâ&#x20AC;? beds in hospitals the same safeguards, including safer nurse staffing, provided to other hospital patients. â&#x20AC;&#x153;This is a great day for California patients. Weâ&#x20AC;&#x2122;ve seen â&#x20AC;&#x2DC;observationâ&#x20AC;&#x2122; patients held on gurneys in hallways or even placed in what they think is a regular hospital bed, without the same protections available to other patients, and without even being told they are subject to a lesser standard,â&#x20AC;? said CNA co-president Malinda Markowitz, RN â&#x20AC;&#x153;Then to add economic injury to the pain of hospitalization, they can get hit with a massive extra costs, both in the hospital and when transferred to a nursing home to complete their recovery. Our thanks to Gov. Brown and to Sen. Hernandez for taking a major step forward to protect California patients,â&#x20AC;? Markowitz said. â&#x20AC;&#x153;All too often, patients are kept overnight in the hospital without ever being admitted,â&#x20AC;? said Senator Hernandez. â&#x20AC;&#x153;Now that Governor Brown signed SB 1076 into law, patients will be notified if they are on observation status, which may affect their insurance coverage.â&#x20AC;? â&#x20AC;&#x153;Additionally, this will ensure that patients who are in observation care get the same level of nurse staffing as any other patient in the hospital,â&#x20AC;? Hernandez added. â&#x20AC;&#x153;I thank the sponsors, supporters and staff who worked tirelessly to ensure the passage of this essential piece of legislation.â&#x20AC;? Both nationally and in California the number of Medicare patients held in observation status by hospitals has doubled the past decade, noted Susan Jaffe in an article for Kaiser Health News last month. In California, the number of patients warehoused in observation has risen far faster than the percentage actually admitted to the hospital.

While under â&#x20AC;&#x153;observationâ&#x20AC;? status, the patient is only covered by outpatient regulations, allowing the hospital to avoid stronger regulatory standards for admitted patients, including Californiaâ&#x20AC;&#x2122;s first in the nation law requiring a minimum number of nurses for hospitalized patients.

In addition to lesser hospital protections, observation patients can be slammed with enormous out of pocket costs, beginning in the hospital where they will be required to pay a much larger share of the bill for medications, treatment and tests.

14

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OPINION

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Extreme poverty needs to be Miriam was Asia’s ‘Iron Lady’ Former Senator Miraddressed decisively to bring iam Defensor Santiago, peace to PHL: Bello known as the “iron lady

By Priam F. Nepomuceno MANILA, Sept. 29 (PNA) – Extreme poverty, injustices and corruption in the government must be addressed decisively so that genuine and lasting peace may reign in the country.

This was stressed by Government Republic of the Philippines (GRP) chief negotiator and Labor Secretary Silvestre “Bebot” Bello III in a statement Thursday.

He added these issues are the root causes of armed conflicts and needed to be solved immediately.

“The signing of the agreements is not the peace itself nor the assurance of lasting peace. In order to achieve peace in our country, we should not be signing peace agreements alone but, we should be addressing the root causes of conflict,” Bello said.

He added that the Comprehensive Agreement on Socio-Economic Reforms (CASER) with the National Democratic Front (NDF) seeks to address these concerns.

CASER, which is the “heart and soul of the GRPNDF peace process”—is one of the remaining substantive agenda on the talks, aside from the political and constitutional reforms and the end of hostilities and disposition of forces.

As embodied in the Joint Statement signed last Aug. 26, both panels agreed to finish the CASER within a period of six months.

CASER and the two remaining substantive agenda are set to be tackled during the next round of peace negotiations in Oslo, Norway on October 6 to 10.

Aside from resolving the root causes of conflicts, Bello also shared the current initiatives of both panels to come up with a joint, bilateral ceasefire leading to permanently ending the hostilities on the ground.

In the said statement, the GRP and NDF panels decided to reconcile their respective unilateral ceasefire declarations into a single, unified, and bilateral document within 60 days.

Prior to the first round of talks last August, President Rodrigo R. Duterte issued an indefinite ceasefire declaration with the communist rebels.

The NDF reciprocated the President’s pronouncement by also extending indefinitely their week-long unilateral ceasefire declaration that only covered the duration of the talks.

“In 60 days, the respective unilateral indefinite ceasefire will become a joint, bilateral, and permanent ceasefire that will eventually lead to the end of hostilities and disposition of forces,” Bello explained.

With these developments, Bello said that he is optimistic that negotiations with the NDF will be concluded within a nine to 12-month time frame.

of Asia” died Thursday morning after a twoyear battle with lung cancer.

She was 71 years old. According to reports, Santiago died peacefully in her sleep at 8:51 Thursday morning at the St. Luke’s Hospital in Quezon City.

Santiago ran but lost in the May 9 presidential elections.

She entered the presidential derby despite being diagnosed as having stage 4 lung cancer.

With her death, the country has lost one of its most intellectually gifted brilliant political leaders the Philippines has ever produced.

She was known in the Senate as a tough fiscalizer with a zero tolerance against corruption.

The feisty former Senator from Iloilo was not only known for her wit and intelligence, but also for her sharp tongue that has rebuked corrupt and inefficient government officials .

Santiago was elected senator in 1995. She served three terms in the Senate. She retired from politics after her term ended last June 30.

Senator Santiago gained worldwide attention after being elected in 2012 as the first Asian from a developing country to be elected in the United. Nations (UN) as judge of the International Criminal Courts (ICC). However, many believed that her deteriorating cancer ailment made her relinquish voluntarily the prestige of being an ICC judge.

The ICC hears cases against heads of state.

Santiago was one of the few politicians that I know who served in all three branches of the Philippine government – judicial, executive and legislative.

In her longs years in government service and as a lawmaker, Santiago received numerous awards and recognition for her relentless fight against corruption in government.

She became a symbol for incorruptibility, honest government service and constitutional law.

In 1988, she was the recipient of the prestigious Ramon Magsaysay Award for government service with a citation “bold and moral leadership in cleaning up a graft ridden government agency.”

Fed up with corruption in government and the deteriorating peace and order situation, Santiago ran in the 1992 presidential elections but was defeated by former Defense Secretary Fidel Ramos.

Up to this day, Santiago’s die-hard political supporters, including myself, still believe that the former senator won in the election, but lost in the counting done by the Comelec and Congress. Who knows what kind of president Santiago would have been if ever she got elected as chief executive of the Philippines?

But I am sure that she would have been much better than Cory Aquino, Fidel Ramos, Gloria Arroyo and Noynoy Aquino, not only in terms of intellectual capability but in honesty and integrity as well.

After so many years of having imbecile, corrupt and non performing presidents who got elected through the manipulation of a corrupt Comelec, we now have President Duterte who promised to do what needs to be done to improve the country’s economy as well as in addressing the proliferation of illegal drugs throughout the country. *** Embattled Senator and suspected drug lords coddler Leila de Lima has all the reasons to be hysterical nowadays. It was also reported that she is close to having a nervous breakdown. I think she would, eventually, if Congress will allow the showing of her sex video scandal in the possession of Justice Secretary Vitaliano Aguirre.

Aguirre must have been irked by De Lima’s remark that all the charges being leveled against her were all faked just like the hair of the current justice secretary which is a wig.

If House Speaker Pantaleon Alvarez will have his way, the video will be shown in public for the people to judge the authenticity of their sex video. Alvarez was quoted in the newspaper as having said that he has no problem showing publicly the sex video to help the government determine if Senator De Lima had a personal relationship with Ronnie Dayan, her personal driver/bodyguard.

The public, who I’m sure are all eager to watch the sex video of the lady senator, may have to wait a little longer since the Senate is trying to dissuade house leaders from showing the tapes publicly. Senator Frankmlin Drilon, a staunch De Lima ally, has asked for inter-parliamentary courtesy and proposed that leaders of both chambers of Congress meet to discuss the matter. I hope it will all be just a discussion and no video watching. Just saying...

Duterte is not Jesus Christ, says De Lima MANILA, Sept 28 (Mabuhay) – President Rodrigo Duterte is not Jesus Christ who can bring back Lazarus to life, Senator Leila de Lima said on Wednesday.

This was how De Lima reacted to Duterte’s own admission that he made a mistake in implicating three personalities in the drug matrix that he had earlier released to the media.

Duterte had apologized to Pangasinan Rep. Amado Espino Jr., Board Member Raul Sison and former provincial administrator Rafael Baraan, whom he accused of protecting the illegal drug trade. The three, along with De Lima, were among those named in the drug matrix.

“President Duterte’s apology was a clear admission that there is really nothing in that ridiculous drug matrix that links me to the illegal drug trade,” De Lima said at a press conference in the Senate.

“It is tragic that the highest official of the land has not only been fed lies and wrong information but also has listened to rumors and intrigues,” she said.

The senator reiterated that the alleged drug matrix was nothing but trash and therefore should not be given any grain of

credibility.

“It also casts serious doubts on the people behind the so-called intelligence information, which to my mind do not appear intelligent at all, she said.

If that was the kind of information being fed to the President, De Lima then also asked the credibility of information being fed to the Philippine National Police by barangay captains in Operation Tokhang.

“What does that tell us about barangay captains’ lists of drug pushers and addicts, who are subjected to tokhang and vigilante assassinations based on said lists, if intel provided the President himself is prone to mistakes?” she asked.

“This is the problem with EJKs (extrajudicial killings) and the death penalty. No amount of apologies from the President will bring back Lazarus life, contrary to the belief of his fanatic supporters,” De Lima added.

(MNS)

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ENTERTAINMENT

15

Is Pia Wurtzbach dating Marlon Stockinger?

Miss Universe Pia Wurtzbach sparks romance rumorrs with professional race car driver Marlon Stockinger after sharing a photo of them together.

The 27-year-old beauty queen, who celebrated her birthday in Manila during the weekend, surprised her close to 3 million Instagram followers when she uploaded a photo of her with Stockinger.

In the photo, Wurtzbach was seen leaning on the Swiss-Filipino Formula driver’s shoulder.

“Marloner,” she wrote in the said post.

Pia Wurtzbach

Stockinger, 25, is born to a Filipino mother and Swiss businessman father. He is currently based in Zurich, Switzerland and racing as a junior driver under the Lotus F1 team.

Wurtzbach, on her part, is half-Filipina, half German, and was raised in Cagayan de Oro. She moved to Manila during her teen years and tried her luck in show business.

Earlier this year, the beauty queen confirmed that she’s dating “Hottest Doctor Alive” Mikhail Varshavski but it seems romance fizzled out between the two. (MNS)

Why Bea Alonzo is picky with roles

Bea Alonzo

After she was named the most influential film actress of the year at the 6th EdukCircle Awards, Bea Alonzo said such kind of recognition explains why she has to be picky when it comes to the roles that she accepts.

She said the award reminds her of the big responsibility that she has as an actress.

“It reminds me na talagang ang dami naming nai-influence na mga kabataan ngayon. Malaking responsibilidad yun sa end ng mga actors (The award reminds me that we can influence a lot of young people. It’s a big responsibility for us),” she said.

Currently, Alonzo is busy working on her comeback television series which will also star Ian Veneracion, Iza Calzado, Enchong Dee and Julia Barretto.

Alonzo also teased about an upcoming movie which she will work on towards the end of the year.

She is likewise hopeful about her big screen project with fellow actress Bela Padilla.

“Sana matuloy na, sana early next year. It’s a good film. Actually siya (Bela) yung nagsulat. Excited ako. Nung nabasa ko yung one-liner na binigay niya sa akin, nakakagulat how talented she is. I like supporting talents like that,” she said. Noting their physical resemblance, Alonzo added: “Ang ganda nga nun paglaruan sa pelikula. Ang gandang gawing advantage yun sa aming dalawa. So talagang excited ako to work with her. I’ve seen her work and gusto ko makipag-collaborate with her.”

No other details about the movie have been revealed. (MNS)

Heart Evangelista

Heart ready to get preggy Heart Evangelista is secure in the love of her husband, Senator Chiz Escudero.

The actress is so glad she chose him, she said, as he is kind and understanding, and he fully supports all her endeavors.

The senator was with her from the planning up to the mounting of her exhibit, “Carry Your HeART,” which is ongoing at the Volkswagen Showroom in Bonifacio Global City.

And he was by her side during the opening, cutting the ribbon and entertaining the guests.

If she wanted to, she could have started a new project after the series, “Juan Happy Love Story,” ended.

And, she knew, Senator Chiz would not have minded it.

“Pero, naisip ko, it’s time I rest muna at asikasuhin naman ang pagiging maybahay,” she said. “Kaya, ngayong January, I’m ready to get pregnant. “Gusto ko na ring maging ina, although I’m already a mother to Senator Chiz’ twins, who are now nine years old.” (MNS)

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What should a nurse do when he/she is â&#x20AC;&#x153;suspendedâ&#x20AC;? from participation in the medi-cal program

Registered nurses who are â&#x20AC;&#x153;suspendedâ&#x20AC;? from participation in the Medi-Cal program are in for very difficult times. They are typically fired from their current jobs, and have great difficulty landing jobs in careers utilizing their skills and license. But what is involved when a registered nurse is â&#x20AC;&#x153;suspendedâ&#x20AC;? from the Medi-Care program?

Medicare is a federal system of health insurance for people over 65 years of age and for certain younger people with disabilities. The California Medical Assistance Program (Medi-Cal or MediCal) is the name of the California Medicaid welfare program serving low-income individuals, including but not limited to: families, seniors, persons with disabilities, children in foster care, pregnant women, and childless adults with incomes below 138% of federal poverty level. Medi-Cal is financed equally by the State and the federal government.

The California Department of

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Health Care Services (DHCS) is the state agency that administers Medi-Cal in California. One of its objectives is to prevent waste and possibly fraud in the payments to doctors, facilities and other service providers.

Under the Medicare program, the medical professionals and hospitals/ facilities who provide services to Medicare and Medi-Cal beneficiaries receive payments or re-imbursements from Medi-Cal. These medical professionals and hospitals/ facilities who are eligible to receive payments and re-imbursements from Medi-Care have to â&#x20AC;&#x153;enrollâ&#x20AC;? in the program. If they are approved, then they are given a provider num-

When does it make sense to ďŹ le bankruptcy?

No one ever likes to talk about bankruptcy. However, itâ&#x20AC;&#x2122;s simply a fact of life. Things happen. Whether itâ&#x20AC;&#x2122;s losing your job, going through a divorce, having huge medical bills

that you canâ&#x20AC;&#x2122;t pay â&#x20AC;&#x201C; or sometimes simply making poor financial decisions- any of these can lead to bankruptcy. Itâ&#x20AC;&#x2122;s a scary thing to a lot of people and most never imagine that it could ever happen to them.

But like everything else in life, fear often comes from a lack of understanding. Most people have heard negative things about bankruptcy so they try to stay away from it the best they can- until one day they realize that itâ&#x20AC;&#x2122;s the only option they have left. Understanding that bankruptcy is not the end of the world and that it is simply a chance for you to start over can be helpful if you ever find yourself in such.

Under what circumstances is bankruptcy advisable? Well, cases vary, but let me mention a few examples.

ber and are then eligible to receive payments or reimbursements for services rendered.

Sometimes, these service providers encounter some problems, and may lose their eligibility to receive payments or reimbursements. One of the more common reasons for losing the eligibility is when a â&#x20AC;&#x153;service providerâ&#x20AC;? is convicted of a crime that involves abuse, fraud or otherwise substantially related to the qualifications, functions, or duties of a provider of service. The individual or organization is then suspended from Medi-Cal, and the name is included in a list called Medi-Cal Suspended and Ineligible Provider List. This list is published in the Internet site http://files.medi-cal.ca.gov.

The problem occurs when registered nurses, who are not enrolled as â&#x20AC;&#x153;providersâ&#x20AC;? in the Medi-Care program, are â&#x20AC;&#x153;suspendedâ&#x20AC;? by DHCS. Their names appear in the Internet list of suspended and ineligible providers. These â&#x20AC;&#x153;suspendedâ&#x20AC;? nurses

have great difficulty finding and holding on to nursing jobs. Hospitals and facilities typically refuse to employ registered nurses whose name appear on the list because they run the risk of being suspended themselves, and losing their own eligibility.

Being suspended by the DHCS from Medi-Cal participation creates really serious problems for the registered nurse, who is unable to get a job in her profession.

Among the clients who came to my office recently is a nurse who was â&#x20AC;&#x153;suspendedâ&#x20AC;? by DHCS, and whose name was among those in the List of Suspended and Ineligible Providers.

Based on the most common practice of the California Department of Health Care and Services, a nurse who is among those listed as excluded can request for the removal of her name after a year. If her request is denied, she will have to wait for another year to make another request.

1. When There Is No Other Way Out of Debt- Some people are so buried in debt that unless they file bankruptcy, they will simply remain in debt until hell freezes over. This is especially true for people who owe large amounts of credit card debt. As you already know, credit card companies usually charge anywhere from 18-29% in interest and paying only the minimum required every month guarantees that you will never pay off what you owe. If your credit card accounts are now seriously delinquent and youâ&#x20AC;&#x2122;ve been sued by creditors or about to be sued, filing bankruptcy may be the only way for you to either wipe out or consolidate your debts.

2. When Creditors Have Taken You To Court- Creditors will often harass you for months, making you feel like a deadbeat and a criminal, to force you to pay. But sooner or later, they will bring a lawsuit so they can obtain a judgment against you. Once they have a judgment, they can enforce the judgment by several ways- going to your employer to garnish your wages, levy your bank account or place a lien on your

home or other real property. Unless you can work out a reasonable settlement with creditors to avoid the above, you may be forced to file bankruptcy in order to protect yourself and your assets. Filing for bankruptcy protection immediately stops all legal proceedings against you and your property. Even the IRS (a government agency that you donâ&#x20AC;&#x2122;t want to mess with), who has more powers than ordinary creditors, cannot continue to collect from you once you are in bankruptcy.

Unpaid tax liabilities can either be discharged in bankruptcy or be paid back with no interest and additional penalties.

3. If Your Home or Other Property Is In Foreclosure- Bankruptcy immediately halts foreclosure proceedings. If a Notice of Default or a Notice of Trustee Sale has been filed by your lender, you have very limited time to protect your property so you must act quickly. Chapter 13 may be an option for you if you have regular income and you can afford to continue making mortgage payments. All back mortgage payments are combined with other debts and can be paid back under a 5-year plan. In certain cases, you may even be able to wipe out debt owed under a second mortgage (lien stripping) or significantly reduce the amount owed. If mortgage payments are too high, modifying the first mortgage and then â&#x20AC;&#x153;stripping offâ&#x20AC;? the second mortgage may be your best strategy in making your home more affordable.

Bankruptcy can be a tool for financial recovery. The process is not as complicated as most people think and it could be the only way for you to put your finances back in order. Since 1997, I have counseled thousands of clients who are in need of debt relief. I can help you if you give me a chance. For a free CONFIDENTIAL attorney consultation, please call Toll-Free 1-866-4777772. We have offices in Glendale, Cerritos and Valencia.

(None of the information herein is intended to give legal advice for any specific situation. Atty. Ray Bulaon has successfully helped over 5,000 clients in getting out of debt.

For a free attorney evaluation of your situation, please call RJB Law Offices at TOLL FREE 1-866-4777772).

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No Short Cuts to get a Good mortgage Rates Here are ways to understand the loan underwriting process. Remember it’s the job of the underwriters to make sure the complete information you’re providing are all checked out and current.

The underwriter needs to analyze your IPAC – income, property, assets and credit – the four key pillars of any mortgage approval. So, let’s go through each of these so you understand what happens during underwriting.

Income Ability to pay is a huge factor in an approval process. There are three types of documents a lender will normally ask for to verify your income: – Your W-2s from the last two – years – Your two most recent paystubs – Your two most recent bank statements If you’re self employed or have more than 25% ownership in a business venture, your lender will need more documentation. The requirements may vary depending on the type of loan you’re applying for, but these are some of the documents commonly requested: – K-1’s – Balance Sheets – Profit and Loss statements – All pages and schedules of business and personal tax returns – Property While the underwriting process is happening, your lender will order an appraisal, which is usually required when refinancing and is always required for home purchases and mostly in refinancing too. An appraisal report will protect you from overpaying when you’re buying a house, and it protects the lender and investor ( Fannie Mae, Freddie Mac, FHA etc) from lending more than the value of the house.

This process however is totally controlled by the hired appraiser in deciding what a value is of a property. They will base it on the condition, comparables and life of the property, but it will not hurt the agents or borrowers to keep the house clean, keep records of improvements and provide recent sales when a property is being appraised.

Assets Another key factor, underwriters will take a look at any saved assets you may have such as checking,

NATIVIDAD From page 18

And another year and so on until her request is finally granted. In other words, once denied, there is no administrative mechanism in place within the department to reconsider or set aside the denial.

After a careful review of her case, we filed a petition for Writ of Mandamus asking for an order that the nurse’s name be taken off the list.

Based on a review of the statutes and regulations we looked at, we came to the conclusion that the DHCS did not have jurisdiction to “suspend” nurses who were not “providers” and who were not “enrolled” in the Medi-Cal program.

The court has not yet made a decision in this case. But we do hope that our client’s name is taken out from the list, so she can start working as a registered nurse again.

In cases like this where a nurse finds her name among those excluded to provide medical service to Medi-Cal beneficiaries, the best

savings, retirement, stocks, bonds and any proceeds from a sale of an item. They want to see seasoned funds usually two to three months of seasoned funds to verify funds are not borrowed. Some loans will require reserves.

Even if they are not mandatory, having reserves makes more likely to be approved because it demonstrate that you are prepared for the financial responsibility of your life ( Homeownership).

Gift funds are allowed in all FHA and VA loans, and for conventional loans with less than 20% down the borrowers would need to have 5% of their own funds and the rest could be gifted including closing cost and reserves.

Credit The final big thing that underwriters look at is your credit report.

The credit report will determine how much debt you have compared to your income. This is known as your debt to income (DTI) ratio.

The required DTI ratio varies based on the loan you’re trying to get, a typical FHA or VA loan ratio would go above 50% to about 55% DTI, while conventional financing would typically not exceed a 45% back end DTI. If you’re looking at basic score requirements, the minimum FICO score credit for FHA is about 580, and for conventional loan, it’s about 620. There’s no specific minimum for VA loans, but lenders may have their own requirements.

Call about Streamline Refinancing where the lenders don’t ask for any income documentation , appraisal report and they only run a limited mortgage credit to verify good 12 months of mortgage history.

If you have any other questions about underwriting or any other part of the mortgage process, please feel free to contact Ken Go of 1st Innovative Finance at 562-508-7048 or write to kennethgo@verizon.net.

BRE 01021223 NMLS 238636 thing for the nurse practitioner to do is seek counsel assistance immediately and try to get the removal of his/her name from the outset. After all, there have been cases where the DCHS has been ordered to retract medical suspension of nurses.

If you are a registered nurse (or any kind of medical service provider) and the Department of Health Care Services has “suspended” you from Medi-Cal, you can call our office so we can review your situation. Initial consultation in our office is free.

Caesar S. Natividad, Esq. is a Filipino lawyer who has practiced since 2000. He has an MBA degree from the Drucker Graduate School of Management. He graduated from Western State University with cum laude honors even as he worked full-time while studying law. He practices in the areas of employment law, physical injury, family law and bankruptcy. If you would like to talk to an attorney about your situation, don’t hesitate to call (323) 540-5800 now! Initial consultation is always free.

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Federal jury convicts man who took over $1.5-M from distressed homeowners in bogus loan modification scheme

SANTA ANA, California – An Orange County man who deceived distressed homeowners with false promises that he could help them avoid foreclosure by obtaining modifications to their mortgages – or even completely eliminating their loans – was convicted today on federal fraud charges.

Antonio Marquette, who went by “Alan Le” and “Anthony Le,” 56, of Midway City, was convicted this afternoon in United States District Court in Santa Ana of nine counts of mail fraud, one count of wire fraud, and one count of money laundering. Marquette was taken into custody after the verdicts were taken, and United States District Judge Andrew J. Guilford set the sentencing hearing for January 30, 2017, at which time Marquette will face a statutory maximum sentence of 220 years.

According to evidence at trial, Marquette operated Bolsa Marketing Group in Garden Grove in 2010 and 2011 and charged homeowners up to $100,000 in cash for services that the homeowners did not receive. Through Bolsa Marketing, Marquette ran a scheme that targeted distressed homeowners, most of whom were members of Vietnamese communities in Southern California, the Bay Area and Houston, and induced them to pay large up-front fees to obtain mortgage relief services.

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FOR LIVE-IN POSITION MUST HAVE PERMIT TO WORK IN THE US. IF INTERESTED PLEASE CALL GALINA TO SCHEDULE AN IN PERSON INTERVIEW 323-839-2004

Now Hiring for: -RN/LVN/Psych Techs -Massage Therapist (part-time) -DSP/ Caregiver/ CNA 2IÂżFH DVVLVWDQW -CCF (ARF/ RCFE) $GPLQLVWUDWRU

LAX Airport Area, North Hills Area, West Covina Area, San Diego Area Please call 626-926-7186 or 714-519-8997 for inquiries.

Or email resume to: gandres2@aol.com

Balita Weekend Balita, Sat.-Fri., October 1 - 7, 2016

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APT. FOR RENT 1 BR 1BA, security building, new carpet, BA & kitchen tiles, air cond., assigned parking, laundry facilties.

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ROOM FOR RENT Reseda area - semi furnished, w/ sofa bed, clean, nice & quiet neighborhood, $525/mo., including utilities & close to bus stop. Preferred female. cel. (818) 458-5148.

BEDSPACER Preferably female. 14670 Roscoe Blvd., Apt. 21, Panorama City CA 91402. All utilities included. Call: 818472-2083; 818-416-8232.

HOUSE FOR SALE BY OWNER Price below market value at $630,000.00 Potential Care Home Business Temecula, CA Great location. 2,272 sq. feet home Real Estate Agents Welcome * With 5 bedrooms and 3 bathrooms with handicap shower. * Upgraded home with new windows, spacious 2 family room, family dining room, complete paint inside, new appliances and upgraded spacious kitchen. * Large backyard with fruit trees and roses. * Also, includes a 500 sq foot guest house WKDW FRXOG EH XVHG IRU DQ Rá&#x201A;&#x2C6;FH VSDUH EHGURRP or a care givers sleeping quarters. * Gated driveway with fence all around property. * Alarm and camera security system installed. * Total property size is 1.14 acres and used property is only half an acre.

If interested please contact Sam 858-583-6310 or John 951-545-2113

PRAYERS

PRAYERS

PRAYERS

PRAYER to the BLESSED VIRGIN

PRAYER TO THE HOLY SPIRIT

PRAYER TO THE HOLY SPIRIT

(Never known to fail)

Holy Spirit Thou who make me see everything and show me the way to reach my ideal, You who give me the divine gift to forgive and forget the wrong that is done to me and who are in all instances of my life with me. I, in this short dialogue, want to thank <RX IRU HYHU\WKLQJ DQG FRQÂżUP RQFH PRUH WKDW , QHYHU ZDQW WR EH separated from You no matter how great the material desires may be. I want to be with You and my loved ones in Your perpetual glory. Amen. A person must pray this for three consecutive days without stating his wish. After the 3rd day the wish will be granted, QR PDWWHU KRZ GLIÂżFXOW LW PD\ EH 3URPLVH WR SXEOLVK WKLV DV VRRQ

Holy Spirit Thou who make me see everything and show me the way to

2K PRVW EHDXWLIXO Ă&#x20AC;RZHU RI 0W &DUPHO IUXLW ZLQH VSOHQGRU RI +HDYHQ %OHVVHG 0RWKHU RI WKH 6RQ RI *RG ,PPDFXODWH 9LUJLQ DVVLVW PH LQ P\ necessity. Oh Star of the Sea. Help me and show me here you are my 0RWKHU 2K +RO\ 0DU\ 0RWKHU RI *RG 4XHHQ RI +HDYHQ DQG (DUWK , humbly beseech you from the bottom of my heart to succour me in my necessity. (make request). There are none that can withstand your power.

2K 0DU\ FRQFHLYHG ZLWKRXW VLQ SUD\ IRU XV ZKR KDYH UHFRXUVH WR 7KHH WLPHV +RO\ 0DU\ , SODFH WKLV SUD\HU LQ \RXU KDQGV WLPHV 6D\ WKLV prayer for three consecutive days and then you must publish and it will be granted to you. Thanks.- DESTINY

Cerritos Mitsubishi is looking for

FILIPINO SALESPEOPLE -experience not necessary, training will be provided.

- Good income opportunity.

If interested, please apply in person or email chh1972@gmail.com call (562) 494-0187

as your favor has been granted. God Bless - LEVI

MEMORIES THAT WILL LAST FOREVER.

ANNOUNCEMENTS

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reach my ideal, You who give me the divine gift to forgive and forget the wrong that is done to me and who are in all instances of my life with me. , LQ WKLV VKRUW GLDORJXH ZDQW WR WKDQN <RX IRU HYHU\WKLQJ DQG FRQÂżUP RQFH more that I never want to be separated from You no matter how great the material desires may be. I want to be with You and my loved ones in Your perpetual glory. Amen. A person must pray this for three consecutive days without stating his wish. After the 3rd day the wish will be granted, QR PDWWHU KRZ GLIÂżFXOW LW PD\ EH 3URPLVH WR SXEOLVK WKLV DV VRRQ DV \RXU favor has been granted. Grateful Thanks - ROSALIE

22

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Weekend Balita, Sat.-Fri., October 1 - 7, 2016

Balita

AARP provides free interactive tool to search and visualize data

WASHINGTON, D.C., September 27, 2016 – The AARP Public Policy Institute launchedAARP DataExplorer, its free interactive search and visualization tool for data on the 50-plus population. AARP DataExplorer allows users to browse and search for data on issues like demographics, health, financial security, housing and transportation by indicators including age, race/ ethnicity, state, income, health status, and languages spoken.

“Data is critical to understanding the issues and needs of Asian American and Pacific Islander communities,” said Daphne Kwok, AARP Vice President of Multicultural Leadership, Asian American and Pacific Islander Audience Strategy.

“AARP DataExplorer is an easy tool for those looking for data on AAPI older adults to find relevant facts and figures which can be customized to fit their needs—whether it’s researching trends or patterns at the state or federal level, or driving policy solutions.”

Users can create their own, customized visualizations of the data

that can be turned into PDFs or PowerPoint slides and downloaded as images to use in reports or projects.

The AARP DataExplorer site also offers a “Storybooks” feature that provides context for some of the data and helps users understand the story behind the data.

AARP DataExplorer presents the most current data and indicators and add new ones as soon as new data are available. No data programming skills are needed.

To use AARP DataExplorer and watch a video tutorial to learn how to customize the data and visuals, visit dataexplorer.aarp.org.

About AARP AARP is a nonprofit, nonpartisan organization, with a membership of nearly 38 million that helps people turn their goals and dreams into ‘Real Possibilities’ by changing the way America defines aging.

With staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands, AARP works to strengthen communities and promote the

issues that matter most to families such as healthcare security, financial security and personal fulfillment. AARP also advocates for individuals in the marketplace by selecting products and services of high quality and value to carry the AARP name.

As a trusted source for news and information, AARP produces the world’s largest circulation magazine, AARP The Magazine and AARP Bulletin. AARP does not endorse candidates for public office or make contributions to political campaigns or candidates.

To learn more, visitwww.aarp. org or follow @aarp and our CEO @ JoAnn_Jenkins on Twitter.

Martin Nievera at Lani Misaluchasa isang espesyal na ‘Masquerade’ Halloween concert sa Pechanga Resort & Casino Ang bibihirang pagsasama ng premyadong talento--- kilala bilang multi-awarded King ng ballad na si Martin Nievera at ang “Siren of the Las Vegas Strip’ Lani Misalucha, ay magtatanghal ng live concert sa Pechanga Resort & Casino sa Oktubre 29 at 30.

Nakamit ni Martin Nievera and “ Box office Entertainment Awards’ para sa Best Male Concert performer of the Year noong Abril 17, 2016, mula sa GMMSF, Inc.Sa loob ng 33 taon, inaaliw ni Nievera ang kanyang mga tagasunod hindi lamang ng mga awiting mula sa Original Pinoy Music (OPM), kungdi’y di mabilang na mga awiting isinalin nito mula sa mga pamoso’t kilalang mang-aawit sa buong mundo.Nito lamang Agosto, si Nievera ay naglabas ng bago album--- “The best of Martin Nievera---- Kahapon.....Ngayon” mula sa pagtaguyod ng Polyeast recording.Isang Pilipinong mang-aawit, manunulat-awit, at aktor, si Nievera ay tumanggap ng 18 platinum, limang dobleng platinum, tatlong tripleng platinum at isang quadriple platinum na mga albums sa kabuuan ng kanyang career.

Si Nievera ay aawit back-to-back kasama ang “ Asia’s Nightingale,” Lani Misalucha, ang unang Asiano na bumandera sa main showroom ng Las Vegas strip na nagtatanghal kasama ang Hawaii’s Society of Seven sa Jubilee Theater ng Bally’s. Si Misalucha ay nagtataglay ng napakaraming talento, kung saan ang hanay ng mga awitin nito’y mula sa pop, rock, jazz, soul rhythm at blues at operatic areas.

Pinagsamang talento, si Nievera at Misalucha ay magbibigay sa inyo ng isang patok na pagtatanghal na inaasahang magdudulot ng saya’t galak sa mga patrons at bisita ng pamosong Pechanga Resort & Casino sa Temecula, California.Ang Tickets ay mabibili na mula $125, $100, $78 at $58 para sa 8p.m. at 6p.m. na konsiyerto, at maaaring mabili sa Pechanga Box Office, 877-711-2WIN (2946) o sa www.

Pechanga.com.

Patungkol sa Pechanga Resort & Casino Inaalok ng Pechanga Resort & Casino ang isa sa mga pinakamalaki at malaganap na kasiyahan na pang resort/casino kahit saan sa United States. Ibinotong numero unong casino ng mga mambababasa ng USA Today at hinirang na “Four Diamond property” ng AAA mula pa noong 2002, ang Pechanga Resort & Casino ay nagbibigay ng walang katumbas na paraan para sa isang araw o pang-matagalang marangyang bakasyon. Naghahandog ng 4,000 sa pinaka mainit na slot machines, table games at world-class entertainment, 517 mga kwarto sa hotel, kainan, spa at championship golf sa Journey sa Pechanga, ang Pechanga Resort & Casino ay tampok na destinasyon na tumutugon at humihigit sa kagustuhan ng mga panauhin nito at ng komunidad.

Balita Weekend Balita, Sat.-Fri., October 1 - 7, 2016

23

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MOTORING

Auto Gallery Mitsubishi Corona is Inland Empire’s best Mitsubishi dealership

By Abner Galino

Nissan Murano as one of the “2016 Best Cars for the Money.”

Nissan Murano: One of the ‘Best 2-Row SUV for Families’... if not the best NASHVILLE, Tenn. – The 2016 Nissan Murano has just received its second major award from the editors of U.S. Manuel Lava News & World Report – “Best 2-Row SUV for Families.” In February, Murano was named one of the magazine’s “Best Cars for the Money.”

The latest honor is part of U.S. News & World Report’s annual Best Cars for Families awards program, which combines professional automotive reviews, safety and reliability ratings, seating and cargo volume and the availability of family-friendly features information to determine winners within each of 21 automotive categories.

In selecting Murano as the top choice in the 2-row SUV category, the editors wrote: “Though the 2016 Nissan Murano’s price qualifies it as an affordable midsize SUV, reviewers say its cabin offers a near-luxury level of refinement.

With the best combination of positive reviews and long-term ownership costs in its class, the Nissan Murano is our 2016 Best 2-Row SUV for the Money.

The Murano, however, isn’t just a great value. It’s also our Best 2-Row SUV for Families because it has the leading combination of interior space, available family-friendly features, and safety and reliability ratings in its class.”

“Nissan is honored by the continuing recognition of our new Murano by the editors of U.S. News & World Report,” said Dan Mohnke, vice president, Nissan Chief Marketing Manager & Marketing Operations. “Consumers seem to be in agreement with the publication’s assessment – sales of Murano are on fire in 2016, increasing more than 85 percent in February and more than 65 percent for year, compared to the same periods in 2015.”

If you have been desiring to own a new Nissan vehicle, come down to Nissan Mission Hills and check out our kababayan Manuel Lava of Nissan Mission Hills. So what are you waiting for? Schedule a Test drive on the vehicle of your choice at Nissan of Mission Hills.

Call Manuel at 1-888-588-7635 and test drive a Nissan vehicle today!

Nissan of Mission Hills is located at 11000 Sepulveda Blvd., Mission Hills, CA 91345.

THE AUTO Gallery Mitsubishi Corona has not ceased creating ripples, staying at the top of the sales chart for Mitsubishi vehicles in the Inland Empire for the umpteenth time.

Filipino Americans comprise a large chunk of the dealership’s satisfied clientele.

Colin Hemphill, sales manager, said service is the foremost reason that has been drawing customers to their car dealership.

“As soon as they step inside our dealership, they are immediately made to feel at home. We want to earn their trust and confidence so we can briskly tackle any problem or apprehension that they have,” Hemphill added.

The dealership has a huge inventory of brand new and used cars.

But what was apparently drawing the Filipino American clients there is the large selection of brand new 2015 Lancer Evolution and the 2015 Lancer Evolution Final Edition.

“For some reasons, Filipinos very much are attracted to these cars.

Maybe because it reminds them of the very successful “box-type” Lancer that became so popular in the Philippines many years ago,” said Robbie Osea, a Filipino sales consultant.

The “box-type” Lancer was not the only Mitsubishi vehicle model that became a hit in the Philippines.

The SUV Mitsubishi “Pajero,”--- a model that became synonymous with celebrities and bigshots --- -- and the modest wagon-type Mitsubishi

Auto Gallery Mitsubishi Corona’s Sales Manager Colin Hemphill and Filipino Sales Consultant Robbie Osea always ready to help out any problem that you might have with regards to getting a car, be it a brand new one or a used one. They can be reached at 951-372-0008.

“Adventure” were also popular back home up to this moment.

The popularity of these Mitsubishi models provided the Filipino customers the chance to experience the comfort, durability and protection that come along with the use of Mitsubishi vehicles.

“Mitsubishi vehicle designs are outstanding,” Osea stressed, “and you can see that in the way competitors try to create parallel designs to our vehicles.”

Elated over the accomplishments of his staff, Hamid Ghadiri, president and owner of Auto Gallery Mitsubishi Corona, also expressed his gratitude for the continuing patronage of the Filipino American community.

“Filipinos are welcome here. We will work with them and we will help them thresh out any problem that

they have with regards to getting a car, be it a brand new one or a used one,” Ghadiri said.

Auto Gallery Mitsubishi Corona is located at 2550 Wardlow Road, Corona, California 92882.

They can be reached at 951-3720008.

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On approval of credit. Plus tax and license. $0 security deposit. $.15 cents per mile excess of 12k mile per year.

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MSRP $17,525. 36 month lease of $128 plus tax with $1,888 drive off. $.15 per over mileage charge.

MSRP $20,275. 36 month lease of $148 per month plus tax with $1,888 drive off. $.15 per over mileage.

MSRP $25,445. 36 month lease $158 per month plus tax with $1,888 drive off. $.15 per over mileage

MSRP $23,990. 36 month lease of $178 per month plus tax with $1,888 drive off. $.15 per over mileage.

MSRP $30,440. 36 month lease of $268 per month plus tax with $1,888 drive off. $.20 per over mileage.

MSRP $34,680. 36 month lease of $358 per month plus tax with $1,888 drive off. $.20 per over mileage.

Price plus goverment fees and taxes, any finance charge, any dealer document processing charge, any electronic filing charge any emissions testing charge. Offer expires on 10/31/2016.

Special Pre-Owned Inventory

2002 Acura TL

2011 Hyundai Santa Fe

2012 Honda Civic LX

VIN: 19UUA56882A040513 Stock#: T2A040513

VIN: 5XYZG3AB7BG022174 Stock#: TBG022174

VIN: 2HGFG3B54CH548259 Stock#: BCH548259

$3,991

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2013 Honda Fit 2013 Hyundai 5dr HB Veloster

2009 Jeep Cherokee

VIN: JHMGE8H36DC078539 VIN: KMHTC6AD2DU140232 VIN: 1J8GS58K89C547694 Stock#: TDC078539 Stock#: BDU140232 Stock#: B9C547694

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800-503-2321 Sales Hrs: Mon-Sat: 8:30am-9pm, Sunday: 10am-8pm

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1435 East 223rd St. Carson, CA 90745

Conveniently located within 10 minutes from anywhere in the South Bay

2013 BMW 320

2012 Infiniti G37

VIN: WBA3B1C59DK128913 Stock#: SDK128913

VIN: JN1CV6EK6CM423564 Stock#: BCM423564

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24

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Balita

New Euro-Inspired 2017 Honda Civic Hatchback arrives from across the pond

TORRANCE, Calif. – The striking 2017 Civic Hatchback joins the 2016 Civic Sedan and Coupe as the third body style in the 10th-generation Civic lineup. Combining Euro-inspired styling and 5-door hatchback versatility with worldclass driving dynamics and Honda direct-injected turbo engine technology, the Civic Hatchback is designed for buyers seeking an even more expressive, sporty and versatile Civic. The 2017 Civic Hatchback will begin to arrive at dealers Monday with a starting manufacturer’s suggested retail price of $19,7001 for the LX with 6-speed manual transmission.

Built on the same world-class platform as the Civic Sedan and Coupe, the 2017 Civic Hatchback offers an appealing combination of sporty styling, efficiency, interior utility and premium features. The Civic Hatchback is available in five trims: LX, Sport, EX, EX-L Navi

and a new line-topping Sport Touring4 version. All models are equipped with a 1.5-liter DOHC direct-injected and turbocharged in-line 4-cylinder engine with peak outputs of 174 horsepower2 in LX, EX and EX-L Navi trims, and 180 horsepower2 in the Sport and Sport Touring trims which feature a dual-outlet center-mounted exhaust and are designed to benefit from premium unleaded fuel.

Powertrain The Civic Hatchback’s turbocharged engine can be mated to either a sporty CVT (all trims) or a quick-shifting 6-speed manual transmission (LX and Sport trims) and boasts class-leading EPA fuel economy ratings of 31/40/34 mpg2(city/highway/combined; LX, EX & EX-L Navi w/ CVT).

Working in concert with the Honda turbocharged powertrain is the Civic’s more rigid and light-

weight body and sophisticated chassis design, featuring a fully independent suspension system with liquid-filled bushings, sporttuned electronic power steering (EPS) with variable gear ratio, and powerful 4-channel anti-lock disc brakes with Electronic Brake Distribution and Hill Start Assist.

These systems synergize to endow the Civic Hatchback with nimble, sophisticated handling and a firm yet comfortable ride.

The interior of the 2017 Honda Civic Hatchback carries through on the modern, sophisticated and premium quality of the 10th-generation Civic lineup, with high-grade materials and finishes applied liberally throughout. 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 kababayan Orly Roque, who are more than ready to serve you and find you your new Honda Hybrids or any other Honda vehicle and be assured of top fuel efficiency as well as safety and

2017 Civic Hatchback

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 Orly. Diamond Honda of Glendale is located at 138 S. Glendale Avenue, Glendale, CA 91205. Its toll-free number is 1.866.237.7092.

2017 Hyundai Elantra GT updated with the latest tech and new trim level

SUPERIOR TOWNSHIP, Mich, Sept. 22, 2016 – The 2017 model year Elantra GT comes with the latest infotainment technology and a new package that resets the already high standard made by this stylish five-door. Powered by a standard 2.0-liter Gasoline Direct Injection engine, the Elantra GT combines a cavernous interior with crisp handling and strong power for a fun-to-drive, yet everyday useful experience. Base price starts at $18,800, excluding $835 freight charge.

NEW FOR 2017 The 2017 Elantra GT now offers the Value Edition package. Just $1,650, the Value Edition comes with a bevy of great features. Some of them provide a more striking look, like 17-inch alloy wheels and foglights. Others provide more luxury and comfort such as heated leather seats, leather wrapped steering wheel and shift knob, and sliding armrest.

Still others provide an effortless user experience, as the Value Edition also includes a proximity key with push button start, auto-

2017 Elantra GT

matic headlights, and an auto-up driver’s power window. Combining all these features into one package saves the customer $1,000.

Opt for the Tech Package and in addition to cooling front seats, dual-zone climate control, rearview camera, and navigation system, the 2017 Elantra GT adds Android Auto™ and Apple CarPlay™. Gain access to all the key features of your smart phone, like maps, music, text and phone, without taking your eyes off the road.

VERSATILE OVERALL PACKAGE The 2017 Elantra GT comes standard with a 2.0-liter, Nu engine mated to either a 6-speed manual, or 6-speed automatic, transmission. The Nu produces a healthy 173 peak horsepower at 6,500 rpm and 154 lb.-ft. of torque

October 29, 2016.

at 4,700 rpm all while delivering EPA rated fuel economy of 24 mpg city/32 mpg highway/27 combined mpg.

The suspension upfront is MacPherson struts and 22mm diameter anti-roll bar. In back is a lightweight coupled torsion beam and monotube shock absorbers.

Value Edition and above equipped GT’s receive a more responsive suspension tune and P215/45R17 tires on alloy rims.

The GT’s beautiful body results from Hyundai’s ‘Fluidic Sculpture’ design language, which shows in the aggressive profile, low overall height, and sleek side mirrors. In addition to grabbing attention,

the GT slips through the air with a 0.30 coefficient of drag. Inside, Hyundai engineers worked tirelessly to maximize interior volume and optimize ergonomics to provide cabin room, cargo space, and versatility. The Elantra GT seats five, or four with room for carrying long toys like golf clubs or snowboards.

And if you would like to check out why Hyundai is among the best selling cars, call our kababayans Jun Milan, Jay Trinidad, Mark Dadivas and of Win Hyundai which is conveniently located at 3462 N Peck Road, El Monte, CA 91731 in San Gabriel Valley and 2205 E. 223rd St., Carson, CA 90810.

Balita Weekend Balita, Sat.-Fri., October 1 - 7, 2016

Visit www.Balita.com

25

2017 HYUNDAI VELOSTER NET PRICE NE

15,795

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1 at this offer HU264633

1 at this offer HG394076 76

PRQWK FORVHG HQG OHDVH RQ DERYH DYHUDJH DSSURYHG FUHGLW FDVK RU WUDGH HTXLW\ GXH IURP FXVWRPHU SOXV +\XQGDL /HDVH &DVK PXVW ͤQDQFH WKURXJK +\XQGDL 0RWRU )LQDQFH HTXDOV WRWDO GULYH RII 1R VHFXULW\ GHSRVLW /HDVVH UHVSRQVLEOH IRU H[FHVV ZHDU DQG WHDU DQG PLOHDJH DW d SHU H[FHVV PLOH DIWHU WRWDO PLOHV %DVHG RQ DERYH DYHUDJH FUHGLW QRW DOO FXVWRPHUV TXDOLI\ VHH GHDOHU for details.

36 month closed end lease on above average approved credit credit. $1 $1,995 995 cash or trade equity due from FXVWRPHU SOXV +\XQGDL /HDVH &DVK PXVW ͤQDQFH WKURXJK +\XQGDL 0RWRU )LQDQFH SOXV )DOO 6DOHV &DVK SOXV &RPSHWLWLYH 2ZQHU &RXSRQ FXVWRPHU PXVW EH D FXUUHQW UHJLVWHUHG RZQHU RI DQ HOLJLEOH FRPSHWLWLYH YHKLFOH HTXDOV WRWDO GULYH RII 1R VHFXULW\ GHSRVLW /HDVVH UHVSRQVLEOH IRU H[FHVV ZHDU DQG WHDU DQG PLOHDJH DW d SHU H[FHVV PLOH DIWHU WRWDO PLOHV %DVHG RQ DERYH DYHUDJH credit, not all customers qualify, see dealer for details.

GOOD CREDIT, BAD CREDIT, NO CREDIT, NO PROBLEM!!!

EM!!!

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VISIT US ONLINE AT

www.winhyundaicarson.com

CALL 1.888.718.7473 2205 E 223rd St. Carson, CA 90810 â&#x20AC;&#x153;Winner kayo dito!â&#x20AC;? â&#x20AC;&#x153;Tawagan nyo lang po kami!â&#x20AC;? â&#x20AC;&#x153;Madali kaming kausap!â&#x20AC;?

Jay Trinidad Filipino Sales & Leasing

Jun Milan Filipino Sales & Leasing

Mark Dadivas Filipino Sales & Leasing

26

Visit www.Balita.com

Weekend Balita, Sat.-Fri., October 1 - 7, 2016

Balita

Glendale Mitsubishi L o s

A n g e l e s

â&#x20AC;˘

S a n

G a b r i e l

V a l l e y

â&#x20AC;˘

S a n

F e r n a n d o

V a l l e y

END-OF-THE MONTH

FALL SAVINGS Tweet Mendoza

Mark de Leon

Cesar Macandili

â&#x20AC;&#x153;Para sa murang presyo hanapin nyo lang ang inyong mga kababayan!â&#x20AC;?

ALL OUTLANDER AND OUTLANDER SPORT $2500.00 OFF MSRP! All EVOLUTION Final Edition in Stock Now!!!

NEW 2017 MITSUBISHI

NEW 2016 MITSUBISHI

MIRAGE SE

LANCER ES

LEASE FOR 35 MONTHS

$ 2 At This Payment (Stock# 70009 / Vin# 006040) (Stock# 70011 / Vin# 006042)

139*

+ TAX MSRP : $15,630

*All special leases are based on A-Tier Credit through Ally Bank. 35 month closed end lease tier 1, above average credit approved WKURXJK $OO\ EDQN /HVVHH LV UHVSRQVLEOH IRU GRZQ SOXV ͤUVW SD\PHQW SOXV OLFHQVH IHHV VHFXULW\ GHSRVLW N PLOHV SHU \HDU DGGLWLRQDO SHU PLOH 0653 7D[ 2IIHU H[SLUHV $OO SD\PHQWV DUH SOXV WD[ \HDU DGGLWLRQDO SHU PLOH 0653 7D[ 2IIHU H[SLUHV $

AUTOMATIC

LEASE FOR 35 MONTHS

$ 2 At This Payment (Stock# 60055 / Vin# 001872) (Stock# 60124 / Vin# 006431)

NEW 2016 MITSUBISHI

OUTLANDER SPORT ES

OUTLANDER ES

LEASE FOR 35 MONTHS

$

169*

+ TAX MSRP : $21,690

*All special leases are based on A-Tier Credit through Ally Bank. 35 month closed end lease tier 1, above average credit approved WKURXJK $OO\ EDQN /HVVHH LV UHVSRQVLEOH IRU GRZQ SOXV ͤUVW SD\PHQW SOXV OLFHQVH IHHV SOXV OHDVH FDVK VHFXULW\ GHSRVLW N PLOHV SHU \HDU DGGLWLRQDO SHU PLOH 0653 7D[ 2IIHU H[SLUHV $OO SD\PHQWV DUH SOXV WD[

+ TAX MSRP : $19,405

*All special leases are based on A-Tier Credit through Ally Bank. 35 month closed end lease tier 1, above average credit approved WKURXJK $OO\ EDQN /HVVHH LV UHVSRQVLEOH IRU GRZQ SOXV ͤUVW SD\PHQW SOXV OLFHQVH IHHV SOXV OHDVH FDVK VHFXULW\ GHSRVLW N PLOHV SHU \HDU DGGLWLRQDO SHU PLOH 0653 7D[ 2IIHU H[SLUHV $OO SD\PHQWV DUH SOXV WD[

NEW 2016 MITSUBISHI

2 At This Payment (Stock# 60175 / Vin# 030120) (Stock# 60170 / Vin# 030415)

159*

$

2 At This Payment (Stock# 60066 / Vin# 015971) (Stock# 60063 / Vin# 015748)

LEASE FOR 35 MONTHS

189*

+ TAX MSRP : $24,195

*All special leases are based on A-Tier Credit through Ally Bank. 35 month closed end lease tier 1, above average credit approved WKURXJK $OO\ EDQN /HVVHH LV UHVSRQVLEOH IRU GRZQ SOXV ͤUVW SD\PHQW SOXV OLFHQVH IHHV SOXV OHDVH FDVK VHFXULW\ GHSRVLW N PLOHV SHU \HDU DGGLWLRQDO SHU PLOH 0653 7D[ 2IIHU H[SLUHV $OO SD\PHQWV DUH SOXV WD[

PRICE LISTED AFTER ALL APPLICABLE REBATES. SUCH AS LOYALTY, MILITARY AND MANUFACTURERâ&#x20AC;&#x2122;S REBATE. NOT ALL CUSTOMERS QUALIFY FOR LOYALTY RABATE. TO QUALIFY CUSTOMER MUST BE A CURRENT MITSUBISHI VEHICLE REGISTERED OWNER. ALL VEHICLES SUBJECT TO PRIOR SALE PRICES PLUS GOVERMENT FEES AND ANY DEALER DOCUMENT PREPARATION CHARGE AND EMISSION TESTING CHARGE. ALL FACTORY REBATES IN LIEU OF SPECIAL RATES OFFERED BY MITSUBISHI CREDIT AND SPECIAL RATES ARE NOT AVAILABLE WITH ANY ADVERTISED VEHICLES. SEE DEALER FOR ADDITIONAL DETAILS.

PRE-OWNED SUPER CENTER â&#x20AC;&#x2DC;07 HONDA CIVIC EX 1.8LL I-4 CYL, SEDAN

Stk: S62183A | 103117

7,295

NOW

$

â&#x20AC;&#x2DC;13 NISSAN VERSA 1.6LL I-4 CYL, SEDAN

Stk: S70297DA | 864771

7,695

NOW

$

â&#x20AC;&#x2DC;13 MITSUBISHI LANCER SPORTBACK GT â&#x20AC;&#x2DC;13 MITSUBISHI OUTLANDER SE 2.4LL I-4 CYL, HATCHBACK

Stk: P2078 | 008613

NOW

$

12,895

2.4LL I-4 CYL, SUV

Stk: P1950 | 014214

NOW

13,495

$

â&#x20AC;&#x2DC;14 NISSAN VERSA S 1.6LL I-4 CYL, SEDAN

Stk: S70267A | 843701

8,695

NOW

$

â&#x20AC;&#x2DC;15 HONDA CIVIC LX 1.8LL I-4 CYL, SEDAN

Stk: S70237A | 085772

NOW

14,595

$

â&#x20AC;&#x2DC;12 SCION IQ CVT-I

1.3LL I-3 CYL, HATCHBACK

Stk: P1956S | 012080

9,300

NOW

$

â&#x20AC;&#x2DC;11 HYUNDAI GENESIS 4.6LL V-8 CYL, SEDAN

Stk: P2101S | 127348

NOW

15,395

$

â&#x20AC;&#x2DC;11 NISSAN JUKE

1.6LL I-4 CYL, SEDAN

Stk: S70298DA | 001733

9,995

NOW

$

â&#x20AC;&#x2DC;15 HONDA CIVIC LX 1.8LL I-4 CYL, SEDAN

Stk: P1955 | 541786

NOW

2.0LL I-4 CYL, SEDAN

Stk: 60134A | 010878

NOW

10,995

$

â&#x20AC;&#x2DC;16 NISSAN ALTIMA 2.5LL I-4 CYL, SEDAN

Stk: P2151 | 354574

15,695

$

â&#x20AC;&#x2DC;14 MITSUBISHI LANCER ES â&#x20AC;&#x2DC;13 MITSUBISHI OUTLANDER SPORT ES

NOW

16,995

$

TEST DRIVE TODAY! MENTION THIS AD -AND-

GET 3 DAY/2 NIGHTS LAS VEGAS VOUCHER

2.0LL I-4 CYL, SUV

Stk: P1977 | 003978

NOW

11,995

$

â&#x20AC;&#x2DC;15 KIA SEDONA

3.3LL V-6 CYL, VAN

Stk: P1947 | 066884

NOW

17,495

$

â&#x20AC;&#x2DC;15 NISSAN ALTIMA 2.5LL I-4 CYL, SEDAN

Stk: P1948 | 100293

12,495

NOW

$

â&#x20AC;&#x2DC;16 TOYOTA CAMRY 2.5LL I-4 CYL, SEDAN

Stk: P2080 | 239239

NOW

18,995

$

Balita Weekend Balita, Sat.-Fri., October 1 - 7, 2016

Visit www.Balita.com

Diamond Honda of Glendale

0%

Goodbye hotness.Hello

coolness.

FALL SALE SPECIALS

APR

RQ OLPLWHG ORQJ WHUP žQDQFLQJ RQ VHOHFW QHZ +RQGD PRGHOV IRU ZHOO TXDOLžHG buyers. On approved credit.

*FREE LIFETIME POWERTRAIN WARRANTY

*Included with the purchase of any new or selected used vehicle. We will extend your Powertrain Warranty for as long as you own your vehicle. Peace of mind you canâ&#x20AC;&#x2122;t get anywhere else.

Orly Roque

â&#x20AC;&#x153;Magandang deals ang naghihintay sa fall season. Tawag na kayo!â&#x20AC;?

ALL NEW 2016 Honda Civic LX

NEW 2017 Honda Accord LX

NEW 2016 Honda CRV LX

4 Dr,Automatic

4 Dr, Automatic

2WD, Automatic

Sales & Leasing

NEW 2016 Honda ODYSSEY LX

Lease for only

Lease for only

Lease for only

Lease for only

per month plus tax at 36 months mon onth thss

perr month pe mont mo nthh plus plus tax tax at at 36 months mo

per month plus tax at 36 months

per month plus tax at 36 months

2 AT THIS OFFER 6WN 9,1

2 AT THIS OFFER 6WN 9,1

0RGHO &5 ) *(:

2 AT THIS OFFER 67. 9,1

0RGHO 50 + )(:

Starting at $20,275. $4,055 due at lease signing plus destination, tax, title & tags. 36 month lease, 12k miles/ yr. 36 miles with $0.15 per excess mile. No security deposit required. On approved above average credit through American Honda Financial Services.

Starting at $23,990. $4,499 due at lease signing plus destination, tax, title & tags. 36 month lease, 12k miles/ yr. 36 miles with $0.15 per excess mile. No security deposit required. On approved above average credit through American Honda Financial Services.

Starting at $24,645. $4,679 due at lease signing plus destination, tax, title & tags. 36 month lease, 12k miles/ yr. 36 miles with $0.15 per excess mile. No security deposit required. On approved above average credit through American Honda Financial Services.

1 AT THIS OFFER 6WN 9,1

0RGHO &5 ) *(: Starting at $30,300. $5,598 due at lease signing plus destination, tax, title & tags. 36 month lease, 12k miles/ yr. 36 miles with $0.20 per excess mile. No security deposit required. On approved above average credit through American Honda Financial Services.

1.9% APR

RATE AS LOW AS

+RQGD &HUWLÂżHG 8VHG &DUV & Other Pre-owned Specials

On Select Honda Models

ON APPROVED CREDIT FOR QUALIFIED BUYERS

2009 Honda Civic

2011 Honda Civic EX

2015 Hyundai Accent GS

2013 Honda Fit

2015 Chrysler 200

2014 Scion TC

2014 Honda Civic

WAS $9,991

WAS $13,291

WAS $13,491

WAS $14,491

WAS $15,094

WAS 15,094

WAS $15,494

261291A/9E041158

NOW

$8,491

1LVVDQ 3DWKĂ&#x20AC;QGHU 27006B/CC638323

92309/BH542137

2013 Honda Accord LX-S 92312/DA022514

WAS $17,492

NOW

$15,992

$11,791

NOW

92335/FU206941

NOW

2013 Honda CR-V 92320/DH685165

WAS $18,491

NOW

$16,991

Diamond Honda

of Glendale

$11,991

92339/DC040723

NOW

2015 BMW 3 Series 328i 92246/FF608769

WAS $20,491

NOW

$18,991

$12,991

NOW

$24,484

$13,594

2014 Honda Odyssey EX 261670A/EB072784

WAS $26,494

NOW

26717A/E3071052

92284/FN645123

NOW

2012 Mercedes-Benz E350 92314/CA545524

WAS $25,991

NOW

$24,491

$13,594

92281/EE208952

NOW

2014 Honda Pilot EX-L 92278/EB008058

WAS $26,492

NOW

$24,992

www.diamondhondaofglendale.com

866.237.7092 $OO DGYHUWLVHG SULFHV H[FOXGH JRYHUQPHQW IHHV DQG WD[HV DQ\ ÂżQDQFH FKDUJHV DQ\ GHDOHU GRFXPHQW SUHSDUDWLRQ FKDUJH DQG DQ\ HPLVVLRQV WHVWLQJ FKDUJH )RU ZHOO TXDOLÂżHG EX\HUV RQ DSSURYHG FUHGLW 1RW DOO ZKR DSSO\ ZLOO TXDOLI\ $G H[SLUHV RQ

$13,994

WAS $29,494

NOW

$27,994

27

28

Visit www.Balita.com

Weekend Balita, Sat.-Fri., October 1 - 7, 2016

Balita

NOW SERVING SMILES AT

SUBARU OF GLENDALE

Subaru of Glendale is the #1 Volume Subaru Dealer in Southern California!

*#1 claim based on SOA MTD Sales Report for new car sales in Southern California for August 2016

Visit Subaru of Glendale to find your dream car at a great price with the help of our friendly, no pressure sales staff.

Whether it’s love at first sight or after your test drive, you’ll have a great experience and leave with a grin on your face.

2017 SUBARU

Forester 2.5i

2016 SUBARU

CROSSTREK 2.0i Premium CVT

Premium CVT with All-Weather Package g LEASE OFFER

179

$

LEASE OFFER

189

PLUS TAX PER ER MONTH LEASE/ 42 MONTHS/10,000 /10,000 MILES PER YEAR

$

PLUS TAX PER MONTH NTH LEASE/ 42 MONTHS/10,000 MILES PER YEAR

$1,999 Down Payment $0 Security Deposit $0 First Months Lease Payment

$1,999 Down Payment $0 Security Deposit $0 First Months Lease Payment

$1,999 Total Due Lease Signing (tax, title, license & doc fees extra)

$1,999 Total Due Lease Signing (tax, title, license & doc fees extra) Model Code HFF - 13 Offer Expires 10/7/16

FINANCE OFFER 0% limited term financing on ALL 2017 Foresters in stock

2016 SUBARU

Impreza

2017 SUBARU

OUTBACK 2.5i Limited CVT with Eyesight & Navigation

2.0i Sport Limited CVT LEASE OFFER

LEASE OFFER

199

$

279

$

PLUS TAX PER MONTH LEASE/ 36 MONTHS/10,000 MILES PER YEAR

PLUS TAX PER MONTH NTH LEASE/ 42 MONTHS/10,000 MILES PER YEAR

$1,999 Down Payment $0 Security Deposit $0 First Months Lease Payment

$1,999 Down Payment $0 Security Deposit $0 First Months Lease Payment

$1,999 Total Due Lease Signing (tax, title, license & doc fees extra)

$1,999 Total Due Lease Signing (tax, title, license & doc fees extra)

FINANCE OFFER 1.49% limited term financing on ALL 2016 Imprezas in stock

Model Code GLJ - 21 Offer Expires 10/7/16

2017 SUBARU

2017 SUBARU

SIGN & DRIVE

PLUS TAX PER MONTH LEASE/ 39 MONTHS/10,000 000 MILES PER YEAR R

299

$

PLUS TAX PER MONTH LEASE/ 36 MONTHS/10,000 MILES PER YEAR

$1,999 Down Payment $0 Security Deposit $0 First Months Lease Payment

$0 Down Payment $0 Security Deposit $0 First Months Lease Payment

$1,999 Total Due Lease Signing (tax, title, license & doc fees extra)

$0 Total Due Lease Signing (tax, title, license & doc fees extra)

FINANCE OFFER 2.9% limited term financing on ALL 2017 WRXs in stock

Legacy 2.5i

Limited CVT with Eyesight & Navigation

Premium

279

Model M d l Code C d HDF-24 HDF Offer Expires 10/7/16

FINANCE OFFER 0% limited term financing on ALL NEW 2017 Outbacks in stock

WRX

LEASE OFFER

$

Model Code GRC - 12 Offer Expires 10/7/16

FINANCE OFFER 1.49% limited term financing on ALL NEW 2016 Crosstreks in stock

Model Code HUO -11 Offer Expires 10/7/16

FINANCE OFFER 0% financing up to 63 months on all 2017 Legacys in stock

Model Code HAF - 24 Offer Expires 10/7/16

Driving People Happy “Para sa bagong Subaru, tawagan nyo lang po kami !”

SUBARU OF GLENDALE 1308 S Brand Blvd, Glendale, CA 91204 www.SubaruofGlendale.net

855-230-1547 Andrew Marilla Sales & Leasing

Christian Marilla Finance Manager

Subaru, Forester, Outback, Tribeca, Legacy, Impreza, WRX, STI, and SUBARU BOXER are registered trademarks. Purchase or lease any new (previously untitled) Subaru and receive a complimentary factory scheduled maintainance plan for 2 years or 24,000 miles (whichever comes first).

See Subaru Added Security Maintenance Plan for intervals, coverage and limitations. Customer must take delivery before 12-31-16 and reside within the promotional area. At participating dealers only. See dealer for program details and eligibility .

Balita Weekend Balita, Sat.-Fri., October 1 - 7, 2016

Visit www.Balita.com

29

Nissan of Mission Hills

Out to be the #1 Nissan Dealer in the Nation* Serving the Filipino Community for more than 20 years.

MONTH-END

â&#x20AC;&#x153;Tawagan or hanapin i nyo lang akoâ&#x20AC;?

Manuel Lava

Internet | Fleet Manager

N M U T U A SALE

â&#x20AC;&#x153;Kayang-kaya nyo ang down at mababa lang ang monthly payment!â&#x20AC;?

Cell: (661)-644-0944 Ikaw ba ay problematic dahil sa Bad Credit/No Credit?. No Driverâ&#x20AC;&#x2122;s License? No SS? Ok na ang TIN!. Bankruptcy? WALANG PROBLEMA!!!

NEW CAR SPECIALS 2016 NISSAN

Sentra

/mo for 36 mos $2,739 initial payment

lease for

129

$

SV with Splash Guards and Floor Mats

2 or more at this price

expires 10/03/16

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2016 NISSAN

Rogue lease for

189

$

2 or more at this price

lease for

189

$

expires 10/03/16

5RJXH 6 ):' ZLWK 6SODVK *XDUGV DQG 0DWV /HDVH ([FOXGHV WD[HV WLWOH DQG OLFHQVH initial payment required at consummation. (Includes $1,710 consumer down payment, $189 ͤUVW PRQWK SD\PHQW ,QFOXGHV PDQXIDFWXUHU̾V UHEDWH DSSOLHG WR PRQWK OHDVH 2IIHU YDOLG RQO\ ZKHQ ͤQDQFHG WKURXJK 1LVVDQ 0RWRU $FFHSWDQFH &RUSRUDWLRQ 6XEMHFW WR UHVLGHQF\ UHVWULFWLRQV 5RJXH 6 ):' ZLWK 6SODVK *XDUGV DQG 0DWV OHDVH PRGHO VXEMHFW WR DYDLODELOLW\ WR ZHOO TXDOLͤ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

2.5 S Power Driverâ&#x20AC;&#x2122;s Seat Pkg and Splash and Mats

/mo for 36 mos $2,899 initial payment

2 or more at this price

expires 10/03/16

2016 Altima 2.5 S with power Driverâ&#x20AC;&#x2122;s Seat Pkg and Splash and Mats Lease. Excludes taxes, title and license. $2,899 initial payment required at consummation. (Includes $2,710 consumer GRZQ SD\PHQW ͤUVW PRQWK SD\PHQW ,QFOXGHV PDQXIDFWXUHUĚľV UHEDWH DSSOLHG WR PRQWK OHDVH 2IIHU YDOLG RQO\ ZKHQ ͤQDQFHG WKURXJK 1LVVDQ 0RWRU $FFHSWDQFH &RUSRUDWLRQ 6XEMHFW WR UHVLGHQF\ UHVWULFWLRQV $OWLPD 6 ZLWK 3RZHU 'ULYHU 6HDW 3NJ DQG 6SODVK DQG 0DWV OHDVH PRGHO VXEMHFW WR DYDLODELOLW\ WR ZHOO TXDOLͤ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

2016 NISSAN

Murano

Frontier

S FWD with Mats and Splash Guards

SV CC 4x4 AT SWB with Floor Mats

lease for

259

Altima

/mo for 36 mos $1,899 initial payment

2016 NISSAN

$

2016 NISSAN

S FWD with Splash Guards & Mats

lease for

/mo for 36 moss aymentt $3,699 initial payment

exp e expi xpires 10/03/16 expires

2 or more att this thi price i

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290

$

/mo for 36 6 mo mos os $2,999 initial payment

expires 10/03/16

2 or more at this price

)URQWLHU 69 && [ $7 6:% ZLWK )ORRU 0DWV /HDVH ([FOXGHV WD[HV WLWOH DQG OLFHQVH LQLWLDO SD\PHQW UHTXLUHG DW FRQVXPPDWLRQ ,QFOXGHV FRQVXPHU GRZQSD\PHQW ͤUVW PRQWK SD\PHQW 2IIHU YDOLG RQO\ ZKHQ ͤQDQFHG WKURXJK 1LVVDQ 0RWRU $FFHSWDQFH &RUSRUDWLRQ 6XEMHFW WR UHVLGHQF\ UHVWULFWLRQV )URQWLHU 69 && [ $7 6:% ZLWK IORRU PDWV OHDVH PRGHO VXEMHFW WR DYDLODELOLW\ WR ZHOO TXDOLͤ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

PRE-OWNED CARS AVAILABLE â&#x20AC;&#x2DC;11 NISSAN SENTRA I4 CVT 2.0

$

7,999

â&#x20AC;&#x2DC;08 TOYOTA RAV4 FWD V6 5-SPD AT â&#x20AC;&#x2DC;14 MAZDA MAZDA5 AUTO SPORT â&#x20AC;&#x2DC;11 HONDA ACCORD SDN I4 AUTO LX

$

9,995

Stock#: G13951 | Vin: 695208

Stock#: G30041 | Vin: 019190

â&#x20AC;&#x2DC;12 HONDA CIVIC SDN AUTO LX

â&#x20AC;&#x2DC;15 NISSAN SENTRA I4

$

13,995

$

Stock#: G26881 | Vin: 318607

14,995

Stock#: G24561 | Vin: 372562

$

11,995

Stock#: U4568 | Vin: 177123

â&#x20AC;&#x2DC;15 NISSAN ALTIMA I4 2.5 S

$

15,995

Stock#: G28011 | Vin: 281807

$

12,995

â&#x20AC;&#x2DC;14 NISSAN SENTRA I4 CVT SR

$

13,949

Stock#: G31221 | Vin: 116038

Stock#: G14881 | Vin: 230681

â&#x20AC;&#x2DC;15 NISSAN ALTIMA I4 2.5 S

â&#x20AC;&#x2DC;16 NISSAN SENTRA I4 CVT S

$

16,995

Stock#: U4548 | Vin: 109974

$

17,995

Stock#: G31671 | Vin: 244652

www.nissanofmissionhills.com | 11000 Sepulveda Blvd. Mission Hills, CA 91345 WE SERVE ALL AAA, COSTCO, AARP, CREDIT UNION, SAMâ&#x20AC;&#x2122;S CLUB MEMBERS

888-588-7635 ÂŽ

Offers subject to availability. Net cost based on current rebates. *Nissan Customer Cash in lieu of Special Financing. **Must ďŹ nance through NMAC. ***All U.S. Military personnel (active and reserve) All advertised prices exclude government fees and taxes, any ďŹ nance charges, any dealer document processing charge, any electronic ďŹ ling charge, any emission testing charge, and dealer add-ons or accessories. Vehicles subject to prior sale. Interest accrues from date of contract. Ad prices good thru 10/03/16 close of business. NMAC ďŹ nancing may be required on some vehicles see dealer for details. All ďŹ nancing subject to credit approval. Factory rebate in lieu of special APR. CertiďŹ cate Program, see dealer for details.

30

Visit www.Balita.com

Weekend Balita, Sat.-Fri., October 1 - 7, 2016

Balita

CERRITOS MITSUBISHI

Don’t fall behind the sale rush.

Visit us now!

SONNY C. Filipino Sales

“Tawag na mu!”

EUGENE C. Senior Sales Consultant

(562) 472.8938

(562) 688.4626

HUGE FALL INVENTORY

OF 2015 EVOLUTIONS & LAST YEAR OF PRODUCTION 2017 MITSUBISHI

2016 MITSUBISHI

2016 MITSUBISHI

2016 MITSUBISHI

MIRAGE G4

LANCER ES 5 Speed

OUTLANDER SPORTS ES 5 Speed

MSRP................$14,830

MSRP................$18,430

MSRP..............$20,490

MSRP...................$23,845

BUY FOR

NET COST

BUY FOR

UP TO

5 Speed

Customer Rebate........................$750 Military Rebate .......................$500 Loyalty Rebate .........................$250

Customer Rebate.....................$1,500 Dealer Delivery Bonus...............$500 Loyalty Rebate ........................$500 Military Rebate .......................$500

11,199

$

0%

13,699*

*

$

0%

48 MONTHS FINANCING

OUTLANDER ES 7 seater

Customer Rebate.......................$1,500 Dealer Delivery Bonus.................$500 Loyalty Rebate ...........................$500 Military Rebate ...........................$500

Customer Rebate.......................$1,500 Dealer Delivery Bonus.................$500 Loyalty Rebate ..........................$500 Military Rebate ........................$500

14,499*

$

0%

72 MONTHS FINANCING

18,199*

$

72 MONTHS FINANCING

*Lease payment includes Loyalty and Military Rebates.

0%

72 MONTHS FINANCING

FALL-FRIENDLY PRICED PRE-OWNED CARS! TEST-DRIVE NOW! ‘09 TOYOTA COROLLA SEDAN WAS $9,988 $

7,988

Stk: C2967A

‘11 HYUNDAI SONATA LIMITED

12,800

WAS $16,999 $ Stk: C2692P

NURSES PROGRAM AVAILABLE!

‘12 MITSUBISHI OUTLANDER ES SUV

WAS 11,900 $

Stk: C17031A

$

8,988

Stk: C2971P

0

8,999

$

WAS 11,988 $

Stk: C15875A

12,900

16,988

Was $18,800 $ Stk: C2935P

% FINANCING

‘15 NISSAN PATHFINDER SUV

22,800

WAS 25,800 $ $

Stk: C2952P

‘13 MITSUBISHI OUTLANDER SPORT SE

WAS $16,800 $ Stk: C16108A

11,900

‘16 SCION FR-S COUPE

WAS $25,900 $ Stk: C2979P

23,800

ANY CREDIT SITUATION, WE CAN HELP YOU. BEST IN CLASS PAYMENT

AVAILABLE ON SELECTED 2014 & 2015 MODELS NO ONE OFFERS MORE!

Mitsubishi Honda Toyota Nissan

560

5 YR/60,000 MILES BUMPER TO BUMPER WARRANTY

YES

ONLY 3/36

ONLY 3/36

ONLY 3/36

10100

10 YR/100,000 MILES LTD POWERTRAIN LIMITED WARRANTY

YES

ONLY 3/36

ONLY 5/60

ONLY 5/60

5YR

11,800

Stk: C16228A

‘12 HONDA CIVIC Si COUPE

‘14 HONDA CR-Z BASE COUPE

WAS $14,988 $

‘11 HONDA ACCORD SE WAS $14,988 $

‘09 HONDA CIVIC LX SEDAN

YES

5 YR/UNLIMITED MILES NONE NONE NONE ROADSIDE ASSISTANCE PRICE LISTED AFTER ALL APPLICABLE REBATES. ALL VEHICLES SUBJECT TO PRIOR SALE PRICES PLUS GOVERMENT FEES AND ANY DEALER DOCUMENT PREPARATION CHARGE AND EMISSION TESTING CHARGE PLUS DESTINATION CHARGE ALL FACTORY REBATES IN LIEU OF SPECIAL RATES OFFERED BY MITSUBISHI CREDIT AND SPECIAL RATES ARE NOT AVAILABLE WITH ANY ADVERTISED VEHICLES. SEE DEALER FOR ADDITIONAL DETAILS. PRICE LISTED AFTER ALL APPLICABLE REBATES SUCH AS CUSTOMER & LOYALTY REBATE. NOT ALL CUSTOMERS QUALIFY FOR LOYALTY RABATE. TO QUALIFY CUSTOMER MUST BE A CURRENT MITSUBISHI VEHICLE REGISTERED OWNER. ALL VEHICLES SUBJECT TO PRIOR SALE PRICES PLUS GOVERMENT FEES AND ANY DEALER DOCUMENT PREPARATION CHARGE AND EMISSION TESTING CHARGE. ALL FACTORY REBATES IN LIEU OF SPECIAL RATES OFFERED BY MITSUBISHI CREDIT AND SPECIAL RATES ARE NOT AVAILABLE WITH ANY ADVERTISED VEHICLES. SEE DEALER FOR ADDITIONAL DETAILS. *All special lease are based on Tier 1 Credit through Mitsubishi Motors Credit of America. All payments are plus tax, first payments, license and acquisition fees included in lease.

Toll Free 1-888-835-6136

10944 South St. Cerritos CA 90703

Balita Weekend Balita, Sat.-Fri., October 1 - 7, 2016

Visit www.Balita.com

FALL SAVINGS EVENT

We’ll help you get a car!

USED CAR CLEARANCE Over 500 cars to choose from!

“May Filipino Department kami na tutulong sa inyo! Hanapin o tawag lang kay Jose Villanueva (213) 500-1260 at Joel Paguio (323) 547-5394” ‘99 BMW Z3 2.5L ROADSTER

$

‘07 HYUNDAI SANTA FE AWD 4DR AUTO GLS

5,995

$

6,495

‘07 SUZUKI XL7 FWD 4DR W/3RD ROW

$

6,995

VIN: 4USCH9338XLF81415 STOCK: X60820A

VIN: 5NMSG73D27H075157 STOCK: X61607

VIN: 2S3DB217076102615 STOCK: X51219

‘07 BMW 530I 4DR SEDAN

‘10 TOYOTA MATRIX 5DR WGN AUTO FWD

‘06 TOYOTA RAV4 4DR BASE 4-CYL

$

9,995

$

10,495

$

10,995

‘13 HYUNDAI ELANTRA 4DR SDN MAN GLS

$

7,995

VIN: KMHDH4AE5DU606724 STOCK: X61657

‘10 TOYOTA CAMRY 4DR SDN I4 MAN

$

11,995

‘09 SUZUKI SX4 4DR SDN MAN SPORT FWD

$

8,995

VIN: JS2YC414196201859 STOCK: X60904

‘14 NISSAN ALTIMA 4DR SDN I4 2.5

$

12,995

VIN: WBANE73557CM48165 STOCK: X61450

VIN: 2T1KU4EE9AC347505 STOCK: X61710

VIN: JTMZD33V865024546 STOCK: X61035

VIN: 4T1BF3EK0AU085852 STOCK: X60340

VIN: 1N4AL3AP5EN200512 STOCK: X61625

‘15 HYUNDAI ELANTRA 4DR SDN AUTO LIMITED PZEV

‘06 LEXUS GX 470 4DR SUV 4WD

‘08 BMW 328I 2DR COUPE

‘15 HYUNDAI VELOSTER 3DR CPE AUTO RE:FLEX W/RED INT

‘15 MAZDA MAZDA5 4DR WGN AUTO SPORT

$

13,495

VIN: 5NPDH4AE1FH548855 STOCK: X61596

‘07 MERCEDES-BENZ S-CLASS S550 SEDAN

$

15,995

VIN: WDDNG71X87A035367STOCK: X60554

$

13,995

$

14,495

$

14,990

VIN: JTJBT20X860105156 STOCK: X61088

VIN: WBAWB33508P132284 STOCK: X61238

VIN: KMHTC6AD8FU236899 STOCK: X61569

‘13 TOYOTA CAMRY 4DR SDN I4 AUTO L

‘13 TOYOTA PRIUS PLUG-IN 5DR HB

‘15 TOYOTA CAMRY 4DR SDN I4 AUTO XLE (SE)

$

16,495

VIN: 4T1BF1FK9DU696132 STOCK: X61392

250 Off SPECIAL!

*$

FOR WEEKEND BALITA READERS!

$

16,987

VIN: JTDKN3DP5D3039674 STOCK: X61355

$

17,495

VIN: 4T1BF1FK8FU919764 STOCK: X61432

$

14,995

VIN: JM1CW2BL8F0181288 STOCK: X61588

‘16 MAZDA CX-5 FWD 4DR AUTO TOURING

$

19,995

VIN: JM3KE2CY0G0618668 STOCK: X61643

More than 25 banks are ready to approve!

Bad Credit! No Credit! Fair Prices!

We Finance All!!! We buy car!!! Bring your Family!!! Free Food!!!

For Car Emergency, Call:

(323) 222-2400 2244 N. San Fernando Road, Los Angeles, CA 90065 Call Kabayan Jose V. at (213) 500.1260 or Kabayan Joel P. at (323) 547.5394 $OO SULFHV SOXV JRYHUPHQW IHHV DQG WD[HV DQ\ ͤQDQFH FKDUJHV FDUJR SUHSDUDWLRQ GHDOHU DQG DQ\ HPLVVLRQ WHVWLQJ FKDUJH ZLWK DSSURYHG FUHGLW DERYH QRUPDO )LQDQFLQJ DSSURYHG FUHGLW ZLWK D ),&2 VFRUH DERYH &$56 &20 WKDQ XVXDO 3KRWRV IRU LOOXVWUDWLRQ SXUSRVHV RQO\ ([SLUHV 0HQWLRQ WKLV DG RU EULQJ D FRS\ WR WKH GHDOHU 2IIHU YDOLG XQWLO

31

32

Visit www.Balita.com

Weekend Balita, Sat.-Fri., October 1 - 7, 2016

Balita

Mercedes-Benz of Encino

Elevated Quality. Lower Prices.

Special Fall Offers.

Raymond Orosa

View Our Selection Of

Filipino Sales

Certified Pre-Owned Vehicles

Call 818.536.2413

2014 MB C250 Sport Sedan

$24,988

2014 MB C250 Sport Stk#: 67090C

$27,988

2015 MB C300 4MATIC Stk#: 66530P

$32,988

2014 MB GLK350 Stk#: 67110C

$33,988

2014 MB ML350 Stk#: 66960C

$41,988

by

Mercedes-Benz

Our Financing is as low as .99% APR.

Email: rorosa@mbencino.com

Stk#: 66911C

Certified Pre-Owned

2014 MB C250 Sport Sedan Stk#: 66859C

$26,988

2014 MB C250 Sport Sedan Stk#: 67005C

$28,888

2015 MB C300 Sport Sedan Stk#: 66938C

$32,988

2016 MB C300 Sport Sedan Stk#: 66758P

$35,988

2014 MB ML350 Stk#: 66969C

818.536.2413

$41,988

2014 MB C250 Sport Sedan Stk#: 67012C

$26,988

2014 MB E350 Sport Sedan Stk#:67049C

$31,988

2014 MB GLK350 SUV Stk#: 66936C

$32,988

2016 MB C300 Sport Sedan Stk#: 66758P

$35,988

2014 MB ML350 4MATIC Stk#: 66968C

$42,988

16721 Ventura Blvd. Encino CA 91436

mbencino.com

2014 MB CLA250 Coupe Stk#:66937C

$27,988

2014 MB GLK350 SUV Stk#: 66936C

$32,988

2014 MB E350 Sport Stk#: 66836C

$33,988

2015 MB GLA250 Stk#: 67098T

$36,988

2012 MB CLS550 4DR COUPE Stk#: 67069T

$42,988

Mercedes-Benz of Encino