Chikka Magazine - September 2016

SEPTEMBER 2016

Health ▪ Family ▪ Lifestyle ▪ Fashion ▪ Entertainment E FRE Y P O C

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Using Color Psychology to Create One-of-a-Kind Spaces in Your Home

DIY Ways to Improve Your Home WIFI

5 MONEY TIPS EVERY TEEN SHOULD KNOW COMMUNITY SPOTLIGHT Up & Coming Fil Am Talent

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• Three DIY Ways to improve Your Home WiFi 08 • 5 Superfoods that Support Kids' Eye Health 11 • Are You at Risk for a Pain Medicine Overdose? 14 • Top Tips for Healthy Hydration 15 • 5 Money Tips Every Teen Should Know 16 • Stay Pool-Cool without Chlorine 23 SEPTEM BER 2016

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Publisher's Note: Be content with what you have; rejoice in the way things are. When you realize there is nothing lacking, the whole world belongs to you.

Inside This Issue...

Using Color Psychology to Create One-of-a-Kind Spaces in Your Home

DIY Ways to Improve Your Home WIFI

On the Cover:

5 MONEY TIPS EVERY TEEN SHOULD KNOW

Fil Am Talent - Frankie McNellis

COMM UNITY SPOT LIGHT Up & Coming Fil Am Talent

Frankie McNellis

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• chikkamagazine.com • facebook.com/chikkamagazine • twitter.com/chikkamagazine Chikka Magazine is a free monthly Asian Interest Publication created by Lewis Media Works (U.S.A. / Asia). The opinions expressed by the contributors are not necessarily those of Chikka Magazine. Contents in full or in part may not be reproduced without expressed written consent. Advertisers assume full responsibility and liability for all content of their advertisements and for any claims arising from such advertising and represent that they have obtained all licenses, consents, and waivers, for all third parties who have text, photographical, or graphical rights. Readers are encouraged to verify any statements or claims made by advertisers and/or contributors. Chikka Magazine is not financially responsible for any errors in advertising beyond the cost of the ad in which the error was made.

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PHOENIX BARANGAY LIONS CLUB CELEBRATES ITS 20TH YEAR WITH THE NEW LEOS & CUBS CLUB CHARTER What a wonderful gift it was for the late Bea Chaves, Founder and Charter President of the Phoenix Barangay Lions Club, as the organization’s 20th Year Anniversary Celebration & Induction of New Officers and Members event was successfully held on July 10th at the Showroom of Casino Arizona, 101 & McKellips.

“It was a fun and fundraising evening! Proceeds raised from this event will benefit the Medical & Humanitarian Mission in Mindoro, Philippines this coming October. This mission is in collaboration with the Federation of Philippine American Chambers of Commerce (FPACC) of which I am also the National Vice-President for Conferences,” remarked Charmel dela Cruz, the 2016-2017 President of the Phoenix Barangay Lions Club.

Five 20-Year Member awardees of the Phoenix Barangay Lions Club were acknowledged and praised for their dedication and service namely, the late BEA CHAVES, Founder & Charter President and also recipient of the Chancellor Bob Corlew International President’s Distinguished Award, Past President MARIE CUNNING who is the current President of the Federation of the Philippine American Chambers of Commerce (FPACC), ISABEL DAVIS, MYRNA ESDERTS and TRINIDAD RITCHIE. “Tonight you are here not only to celebrate the past, but to lead thru service through your upcoming Medical and Humanitarian Mission to Mindoro, the Philippines, this coming October. It is thru missions such as this that we continue to enhance our position as the global leader in humanitarian service”, remarked by special guest and keynote speaker Lions Club International Director Alan Lundgren. Inducting officers were Lions Club 21C District Governor Rosemarie Gabriel and Lions Club International Past Council Chair Richard O. Brown, who swore in 16 new officers and 22 new members respectively, bringing up the roster of active Club members to 68.

One month later on August 9th, the Phoenix Barangay LEOS & CUBS Club Charter was approved by Lions Club International headquarters in Oakbrook, Illinois. The Charter Night and Induction of Charter Officers and Members of the LEOS & CUBS Club will be held on Sunday, September 18th at the Showroom of Casino Arizona 101 & McKellips.

Sixteen year old Jemimah dela Cruz, reigning Miss Teen Philippines Luzon 2016 is elected as LEO President while newly crowned Pre-Teen Earth USA Air Jessica Smith is elected as CUB President.

Lions Clubs all over the world are celebrating the big Centennial Year and will be planning more humanitarian and fundraising activities throughout the next couple of years to support the Lions Club International’s goals, mission & vision of Engaging the Youth, Feeding the Hungry, Sharing the Vision and Protecting the Environment.

Newly Elected 2016-2017 Officers: • President: Charmel dela Cruz • Immediate Past President: Marie Villareal • 1st Vice-President: Vaneza Hodges • 2nd Vice-President: Lemuel Carlos • 3rd Vice-President: Ryan Winkle • Secretary: Jocelyn Woods • Treasurer: Maria Luisa Padilla • Asst. Treasurer: Bea Chaves Board Members: Marie Cunning Lovel dela Cruz

Trining Ritchie Sharon Nickel

Membership Directors: Kaylane Oballo, Annabelle Montagne Lion Tamer: Nita Caltabiano Tail Twister: Isabel Davis

2016-2017 LEO Club Officers: • President: Jemimah dela Cruz • Vice-President: Jardine Clemente • Secretary: Maddie Rose Holler • Treasurer: Claire Pablo • Asst. Treasurer: AlecZander Khotpatnya Advisers: Joshua dela Cruz Co-Advisers: Nathalie Velasquez & Jazmine dela Cruz 2016-2017 CUB President: Jessica Smith 2016 New Members: LIONS: Leticia Acena Rommel Antolin Czarina Jamir Rogers McSpadden Willietess Poirier Dr. Baruch Rosen Jun Saez Curtis Smith Nathalie Velasquez

Mario Acena Arnel Fernandez Albert Lin Aaron Poirier Patricia Prinsloo Angela Saez Anne Silva Riza Smith

LEOS: Haley Alexander Jade Holman Abigail Cueto Jacob Mansur Isaiah Williams Dianne Saez Harry saez Sarah Silva

Daniel Smith Divine Love Abaigar Nathan Mansur Roman Mansur Antoine Williams Juben saez Nicole Duatin

CUBS: Raquel Sigua and Dean Saez The Filipino-American community, local artists, performers and beauty queens joined in the Celebration. The following VIPs were in attendance and graced the prestigious event: • Marie Cunning - President of the Federation of Philippine American Chambers of Commerce (FPACC) • Lions Club International Director Alan Lundgren • LCI Past Council Chair Richard O. Brown & PVDG JW Brown • Lions Club 21C District Goverrnor Rosemarie Gabriel • Janette Oliveros - President of Phoenix Phil-Am Lions Club • Ethel Luzario - President of Phoenix Asian-American Lions Club • Ron Smith - Lions Club General Membership Team Leader • Jun Saez - President of Arizona Knights of Rizal • Ryan Winkle - President, FAABCCA East • Minnie Palis - President, FABCCA West Performers: The Magic of Arnel, Jessica Smith (AZ Pre-Teen Earth), Maddie Rose (Miss North Phoenix), Jemimah dela Cruz (Miss Teen Philippines Luzon AZ), Asia Dising (Miss AZ United Continents), Willietess Poirier, Isabel & the Fil-AM Band Other Beauty Queens who graced the event were: Paulette Alcordo (Miss Philippine Independence Day 2016), Christine Pham (Miss Vietnam Arizona 2016), Rachel Rosario (Miss Teen Earth AZ 2016), Rebecca Acero (Miss Teen Earth Water 2015), Miss Jardine Woods (Miss Teen Earth Fire 2015).

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How to use color psychology when painting your home Color psychology: Using different hues to create emotion with paint Do you ever wonder why you feel immediately relaxed when you enter a spa, yet when you enter a gym, you feel alert and energized? The answer can be found in the colors selected to decorate the space.

"Interior designers use color psychology to evoke an emotional response," says Sue Wadden, director of color marketing for SherwinWilliams. "Homeowners can use this strategy to connect colors with emotions and memories to create one-of-a-kind spaces."

understated, orange works well in family rooms and is a playful choice for children's bedrooms or bonus rooms. Orange tones can also integrate into other colors, such as Coral Reef SW6606.

"Ever since I was little I had a love affair with orange," says Wadden. "I painted my daughter's room Coral Reef. I love the rich complexity of the color."

Cool color families Blue, green and violet are considered cool colors because the inherent tones of each shade. Reminiscent of water and the outdoors, cool colors stimulate feelings of peace and tranquility, and are great options for bedrooms, bathrooms and patio spaces.

Blues

Color psychology starts by exploring warm and cool hues and then using these different tones to manipulate mood throughout your home.

It's easy to do with the tips below.

Blue is soothing and elicits feelings of relaxation, which is perfect for bedrooms and bathrooms. Alternatively, blues should be kept out of the kitchen because it's a color that's associated with appetite suppression.

Warm color families

"I love cool greenish blues," says Plank. "Blue Sky 0063 is from our historic palette and is a calming hue that works in virtually every room."

Red, orange and yellow are considered warm colors since they are associated with images of heat, like fire or sunshine. Warm families of color are bold and powerful when incorporated into home design.

Greens

Yellows Because yellow reflects light, it's an excellent choice for foyers and dark hallways. Its cheery nature has the ability to create an uplifting mood in homes. Rich yellows are great accent colors because they catch the eye. A great color to consider is Wadden's favorite: Butterscotch SW 6377.

"This color isn't for the faint of heart," she says. "The color features an acidy, deep mustard feel but is a great accent color paired with neutrals.

I find its pop can really spark up a room."

Reds Reds evoke feelings of passion, energy and intimacy, so it's an excellent color for workout rooms and master bedrooms. Red also inspires the appetite, so is a logical choice for dining rooms or kitchens.

Michael Plank, director of color marketing and design services for Sherwin-Williams, enjoys Chinese Red SW0057.

"Chinese Red is one of my perennial favorites to play off dark stains with its saturated and sophisticated nature," he says. "Rich in hue as it is in Chinese culture; the harbinger of joy and fortune."

Oranges

Green tones provide a feeling of familiarity because they are found throughout nature. Light greens are ideal for living rooms and offices; dark greens are wonderfully rich as accent colors.

Vivid greens add unexpected pop, notes Sherwin-Williams Senior designer Karrie Hodge, who likes Marea Baja SW 9185.

"I really like dark colors and this color reminds me of the deep turquoise part of the ocean," she says. "This would make a great front door color on a white or gray colored house. This color would pair well with some natural stone or brick or wood."

Violets Purple tones are immediately attractive to children, making them a great paint option in playrooms or bonus rooms. Additionally, violet is also a stunning accent color in bathrooms.

When it comes to the violet family of colors, Hodge likes the versatility of Veri Berri SW 9069.

"Its a rich berry tone that is playful," she says. "This would make a really dramatic accent wall color in any room; I could even see this as a really fresh front door color."

For more color inspiration and to learn more about warm and cool colors, visit www.sherwin-williams.com. (BPT)

Orange has a friendly attitude that awakens and welcomes. Never

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Three DIY ways to improve your home WiFi You don't need an expert to tell you: America is hooked on the internet. Just try to think of the last day you didn't use the web in some way.

But you probably don't think much about the main way the internet is delivered: through WiFi. It powers your computer at work - as well as the Facebook feed you're discreetly checking under your desk. At home, it's the new electricity. Netflix, Hulu, and Pandora rely on it. It powers activities on your smartphone, unless you want to rack up a huge data bill from your carrier. WiFi runs the kids' Xbox and maybe even your thermostat and security camera these days, almost every device in the home is thirsty for WiFi. When you do think about WiFi, it's usually because it's not working - and driving you nuts. Before investing in a more expensive internet package or living with buffering videos and router resets, here are three do-it-yourself ways to improve your home WiFi: Move your router If you have rooms that don't have access to the internet - dead zones - first try moving your router to a more central location in the home. Because routers have a limited range, it's important that your router is in a central area. If you can't move the router to a different location, try elevating it on a table or shelf to spread the signal more efficiently.

Large metal appliances, like refrigerators, and electronics that emit radio waves, like microwaves, can interfere with your network's signal. Keeping the router out of places like the kitchen can help bolster the range and speed of your WiFi. Upgrade to a mesh network

increase in home internet usage, one WiFi router may not be adequate to support all the devices connected to it.

A San Francisco company, eero, was the first to bring a mesh WiFi system into the home. eero - which is about as simple as anything gets in the tech world - works by swapping out your current router, plugging a single eero into your modem, then placing additional eeros throughout the house. The devices work together to create a wireless mesh network that delivers fast, reliable WiFi to every room. Their mesh technology ensures people are getting the same internet speeds they're paying for throughout the entire home, instead of just near wherever their cable pipe comes in. eero is quick to set up and makes it easy for people to manage their networks through a smartphone app. The app allows you to monitor your internet network from afar and invite guests to join the network via a text message. Parents can even assign schedules for when devices can access WiFi, making it easy to limit their kids' internet usage.

Update your modem An often-overlooked device that may be throttling your WiFi signal is the cable modem, the device that translates the data coming in through your cable pipe into a digital language your router can understand.

Households should update their modems every three to five years. If yours is outdated, it could be impacting the quality of your signal and speed. Many people rent their modem from their internet service provider for $5-10 a month. Purchasing a new, updated modem usually costs $50-100, but you'll save money on a rental fee while seeing major improvements to your WiFi. The way we use the internet today has changed and the old ways of WiFi are not keeping pace. Whether it's moving your router, upgrading to an eero mesh network, or just swapping out your modem, you shouldn't have to deal with buffering, dead zones, or router resets. (BPT)

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5 superfoods that support kids' eye health Superfoods that support kids eye health The start of the school year means a laundry list of to-do's for parents.

From shopping for school supplies to scheduling an annual physical, it's a hectic yet exciting time for the entire family.

As kids settle back into the groove of the school year, you can ensure they are prepared with the right pencils and notebooks, but if they are straining to see the teacher, learning will be a challenge.

"The first step is to have your child's vision checked annually by a doctor," says registered dietitian, Tammy Lakatos. "The next step is to maintain healthy vision which parents can easily do by providing a wholesome diet rich in vitamin-packed foods proven to support eye health."

While carrots have a reputation as an eye-healthy food, there are many other options that keep kids seeing sharp. These five superfoods will help keep your kids' eyes healthy so they can better focus at school.

Berries Bulk up on berries to maintain that perfect vision. Blueberries, blackberries and strawberries are packed with eye-healthy vitamin C. Bonus: because vitamin C is an antioxidant that boosts the immune system, it will help stave off the coughs and colds that often come along with the start of school.

Nuts and seeds When kids crave crunch, seeds and nuts are the perfect choice. English walnuts, raw almonds, flax seed and sunflower seeds are satisfying on top of yogurt or in a homemade trail mix. Plus, these nuts and seeds contain omega-3 fatty acids, which research shows can help support vision.

Eggs This breakfast staple can boost eye health, but keep in mind not all eggs are created equal. Eggland's Best eggs come from hens fed a wholesome, all-vegetarian diet that results in a superior egg packed with eye-healthy nutrients such as 38 percent more lutein, three times more vitamin B 12 and five times more vitamin D than ordinary eggs.

Dark green vegetables Antioxidants in kale, spinach and broccoli help keep eyes healthy and prevent disease. Each vegetable contains high levels of lutein and

zeaxanthin, which studies have found lowers the risk of advanced macular degeneration and cataracts.

Citrus fruit Oranges make awesome snacks or meal add-ons. Because citrus fruits are loaded with vitamin C, you're not only giving your child a naturally sweet treat, you're helping support eye health. Plus, the smell of citrus will awaken the senses to help fight the afternoon slump.

Want a tasty recipe kids will love that incorporates multiple eye-healthy superfoods? Get into the back-to-school spirit and try these Green Eggs and Ham Cups for breakfast or lunch. For more recipe ideas, Lakatos recommends visiting www.egglandsbest.com.

Green Eggs and Ham Cups Prep time: 10 minutes Cook time: 15 minutes Makes 12 cups Ingredients: - 7 Eggland's Best Eggs (large) - 1 cup fresh spinach, chopped - 1/4 cup onions, finely chopped - 1/2 cup broccoli florets, finely chopped - 3/4 cups extra lean ham, diced - Salt, pepper and garlic powder to taste - Shredded cheese of your choice (optional) Directions: Preheat oven to 350 degrees F. Sauté onions and broccoli over medium heat until soft. Add spinach, ham and continue cooking until spinach is wilted.

In a mixing bowl, whisk together eggs and seasonings. Add vegetable and ham mixture to eggs.

Coat 12 muffin cups with nonstick cooking spray and fill each muffin cup with egg/veggie mixture.

Top with shredded cheese.

Bake 15-17 minutes or until eggs spring back or toothpick comes out clean. Cool on a rack and remove from pan. Enjoy warm or room temperature. *Egg cups can be rewarmed in the microwave or toaster oven if desired. (BPT)

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COMMUNITY SPOTLIGHT Up & Coming Fil Am Talent Frankie McNellis of Gilbert, Arizona is a talented performer with many experiences singing, dancing and playing musical instruments for audiences small and large.

Frankie has already accomplished so much at the tender age of 10 years old.

Most recently Frankie competed in the 20th World Championship of Performing Arts 2016 (WCOPA) held in Long Beach, California where she earned 2 Gold Medals for vocal performances, 3 Silver Medals for dance categories, 2 Bronze Medals for additional vocal categories as well as winning an Industrial Award for Agent's Choice. At WCOPA Frankie was among hundreds of contestants who traveled from all over the world to compete.

F r a n k ie M cN el li s Earlier this year Frankie was invited to sing the Star Spangled Banner during one of the recent Arizona Diamondback baseball games. This performance allowed her to become the first 10 year old FilipinoAmerican to perform in such an event.

Frankie has performed in Arizona Got Talent 2015, Cathy Roe's Ultimate Dance 2016, Cathy Roe Dance, Celebrity Dance and NRG Dance competitions. Frankie has performed at a diverse range of venues which include Roots and Boots, Glendale Glitters, Arizona State Fair, Tuscany Theatre, Mesquite High School, Play Con International, San Tan Balloon Glow and Disneyland.

Frankie is the daughter of John and Agnes McNellis.

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Are you at risk for an OTC pain medicine overdose?

dosing directions. "Read and follow the drug facts label - every time - to avoid potential overdose complications," Cryer says.

If you are one of the millions of Americans suffering from pain and turn to over-the-counter (OTC) pain medicines to get relief, you may be at risk of overdose. Taking too much OTC pain medicine can lead to serious side effects, such as stomach bleeding, ulcers, liver damage and even death.

One in four Americans are willing to take more than the recommended dose of OTC pain medicines because they believe their symptoms will go away faster. While patients might exceed the recommended dose for weeks or even months without complications, it can take just one occurrence to put them in the hospital.

The American Gastroenterological Association (AGA) surveyed consumers and gastroenterologists to find out more, and discovered that many adults report taking more than the recommended dose of an OTC pain medicine. The survey was conducted by Harris Poll,* with sponsorship support from McNeil Consumer Healthcare.

Fact: Taking more than the recommended dose will not lead to quicker pain relief. Work with your health-care professional on the proper dosage and treatment for your individual health situation.

To help you get safe pain relief, refer to these common myths and facts so you can keep yourself and your family safe from OTC pain medicine overdose complications.

On average, a gastroenterologist sees 90 overdose cases per year due to OTC pain medicine. Most gastroenterologists (64 percent) report that their patients were unaware of the risks of taking more than directed and, when overdose complications arise, the mistake often involves taking two or more medicines with the same active ingredients at a time.

Myth 1: Drug labels are just guidelines.

Many consumers believe they know how to best treat their pain when it comes to reaching for the medicine cabinet, with 40 percent admitting they perceive the dosing directions on OTC pain medicines as just guidelines - they know what works for them.

Conversely, American consumers take appropriate safety measures in many aspects of their lives. Most people always wear a seat belt when riding in a car, have smoke detectors in their home, and have anti-virus software on their computers.

Yet, only 32 percent of people say they always read the drug facts label on an OTC pain medicine they haven't taken before, which can be a costly or even fatal oversight.

Fact: Medicine labels can change periodically, as can health conditions and situations. Byron Cryer, MD, chair of the AGA Gut Check: Know Your Medicine campaign and associate dean of the University of Texas Southwestern Medical Center, emphasizes the importance of following

Myth 2: Taking more than the recommended dose is harmless.

Myth 3: Mixing medicines is safe and effective.

Fact: "Mixing medicines is dangerous," Dr. Cryer says. "Take only one product at a time containing the same kind of active ingredient."

Overuse of NSAIDs (nonsteroidal anti-inflammatory drugs) can cause stomach bleeding, stomach ulcers, and damage to the esophagus and small intestine, while overdosing on acetaminophen can cause liver damage.

If you are living with pain, get relief safely. The AGA encourages you to read medicine labels every time you take an OTC pain medicine.

If you are still not receiving relief from your pain, talk to a health-care professional.

Visit GutCheckFacts.org to learn more. *AGA explored consumers' knowledge of pain-relief information by commissioning Gut Check: Know Your Medicine, a nationwide survey conducted online by Harris Poll in September-October 2015 among 1,015 U.S. adults age 30 and over and 251 U.S. gastroenterologists.

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Top tips for healthy hydration: You're probably missing this key ingredient This summer, most of the United States experienced a heat wave that kept many people indoors or in the shade. Very high temperatures, especially for a prolonged period of time, can be extremely dangerous and not just for the elderly or other vulnerable individuals. Participating in any outdoor activity, especially sports or physical labor, can be risky even for the healthiest among us. The key to staying healthy is staying hydrated.

As our bodies try to cool off, we sweat and lose not just the water we need, but something just as important - electrolytes. Electrolytes are made up of sodium and potassium among other elements which need to be replaced. Experienced athletes and runners know the importance of electrolytes, and drink sports drinks like Gatorade rather than just water. Replacing water without sufficient sodium can quickly produce hyponatremia, a potentially fatal condition caused by too little sodium in the blood stream.

Recipe for hydration Ideally, anyone engaging in outdoor activity in the heat or even an indoor exercise program should drink eight to 12 ounces of fluid every 15 to 20 minutes during a session. If exercising exceeds an hour, a beverage that contains salt and an energy carbohydrate is far superior to plain water. The recommended concentration of salt in a fluid replacement beverage is a quarter teaspoon per liter. Most sports drinks contain salt, although the amount is not quite that high. Anyone can make an alternative to commercial fluid replacement beverages easily by adding a quarter to a half teaspoon of salt per liter, or 32 ounces of water.

When you exercise, your body's metabolism works at a much higher rate, breaking down and regenerating tissues and creating waste metabolites that need to be flushed out of your system. However, regardless of your level of activity, you still need to maintain good hydration. So remember to always drink plenty of water to beat the heat, but also up your intake of electrolytes, particularly sodium and potassium. (BPT)

Hyponatremia: A real threat Hyponatremia symptoms are similar to those of heat exhaustion and heat stroke, and are often overlooked. Sometimes people drink more water when they start having these symptoms and end up making their condition worse. Symptoms range from mild to severe and can include nausea, muscle cramps, disorientation, confusion, seizures, coma and death. To avoid this condition, medical experts advise marathon runners to consume extra salt. This advice should also be considered by anyone exposed to excessive heat.

There have been several documented cases of illness and even death from hyponatremia over the past several years. According to the British Medical Journal, 16 runners died as a result of too little sodium and over-hydration, while another 1,600 became seriously ill. It is true that water intoxication is more commonly seen among extreme athletes, but older individuals are also at high risk for several reasons.

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An increased risk As we age, our kidneys become less efficient at conserving the salt we need when the body is stressed, such as from dehydration and high temperatures. When combined with common medications such as diuretics, which are commonly prescribed to treat hypertension, the result is a greater risk for hyponatremia.

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The key lies in finding the proper balance of electrolytes essential for normal function of the cells and organs. Electrolytes help to regulate cardiovascular and neurological functions, fluid balance and oxygen delivery.

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5 money tips every teen should know Build financial smarts in your teen with these 5 tips For most teens, high school is an exciting time for those sweet, first tastes of independence: first dates, first cars, first paychecks.

As low-stakes as some of these milestones may seem, there’s one area that deserves some extra attention in every family: personal finance. Today’s teens are spending $260 billion a year in the U.S., yet only 17 states require completion of at least one financial literacy course for high school graduation. Consider the fact that 3.3 million high school students are expected to graduate in 2017, and what we have is too many young adults heading out into the real world lacking even a basic understanding of money management.

“That means today’s young people are spending and borrowing more than ever without understanding the consequences,” says Wendy Kha, a San Francisco teen who was selected by Boys & Girls Clubs of America to serve as national ambassador for its teen financial literacy program called Money Matters: Make it Count, created in collaboration with Charles Schwab Foundation.

Taking part in this program had a profound impact on Kha, along with over 725,000 other Club teens who have completed Money Matters. As an advocate for teaching financial responsibility, she offers a few tips for parents and teens.

Save early, save often As soon as you start earning money or receiving an allowance, you should open a savings account. Parents and teens can decide together how much of the earnings should be set aside for savings.

“You can avoid impulsive, emotional or irrational decisions if you recognize them in advance,” Kha says.

Build good credit Money decisions you make even now as a teenager will make a difference later. Good credit is essential to getting a good rate on a car loan or leasing an apartment later on. That credit score is an indication to future lenders that you are responsible and will pay on time. To build good credit, always pay your bills on time and carefully manage your checking account. If you choose to get a credit card, never charge more than you can afford to repay in full each month.

Get a reality check Before graduating high school and going out on your own, it’s important to sit down and get a solid idea of what it takes to make ends meet while living the lifestyle you want. Look for a financial education program geared for teens. A good one will cover budgeting, goal setting and planning for the future.

For example, Kha learned a lot from one component of Money Matters called the Reality Store, a hands-on experience that helps teens envision the realities of adult life - understanding careers and salaries, managing income and expenses as well as planning savings and investments. These lessons are also reinforced in a new interactive feature of the program - a digital game called $KY. Players navigate financial decisions and are rewarded for managing cash and credit wisely, adding a fun new way to learn these important life skills.

“It’s a lot to digest,” Kha says. “But I know when I head off to college, my eyes will be wide open, and that will help me make better money decisions.” (BPT)

“Whenever you earn or receive money, put at least 10 percent of it into a savings account,” Kha says. “I personally set aside 25 percent of my income from my part-time job to help me save up for big-ticket purchases, such as concert tickets and cool electronics, as well as college tuition.”

Needs vs wants When something fun comes up at the last minute it’s hard to say no, and even harder to face the idea of missing out. The best thing teens can do is prepare for situations that lead to impulse purchases. Start by making a list of needs and wants. Each month, plan for the things you need, and figure out how much is left over for the fun stuff. If you know ahead of time that your car insurance is coming due, you will be less likely to spend all your money on concert tickets.

Keep track of spending Now that you’re aware of how much you need for necessities and what’s left over for the fun stuff, it’s time to start keeping track of everything you spend. It doesn’t matter if you use cash or a debit card, and it doesn’t matter if you keep track with an app or a small notebook. Just be sure to log every single purchase. Even small things, including the taco from the food truck or trail mix from the vending machine, should be entered into the log. Being mindful of every dollar you spend will help you understand your spending habits - and help you find ways to reduce your spending and save even more.

16 • September 2016 Edition • Visit Us Online at www.ChikkaMagazine.com or www.Facebook.com/ChikkaMagazine

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Let Us Know at Contribute@ChikkaMagazine.com September 2016 Edition • Visit Us Online at www.ChikkaMagazine.com or www.Facebook.com/ChikkaMagazine • 17

FAMAZ FUN PAINTING

Our membership fundraising event to support our coming up events & projects

Sept. 24, 2016 @ 5:30 pm Philippine Community Center

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FILIPINO AMERICAN HISTORY MONTH In honor of all Filipino American youth residing in Arizona, the Council of Filipino Organizations (CFO) during it's celebration of the Filipino American Heritage Month will recognize their various achievements in ACADEMICS, LEADERSHIP, SPORTS AND THE ARTS. We are proud of our youth who will be tasked to carry on the torch of preserving the Filipino American Culture.

All awardees of the different categories will be presented with a special certificate of recognition.Those who had received top academic honors ( High School and College) will receive monitory awards. All others will be given gift certificates.

Categories for academic awardees: A) All those in college (freshmen, sophomore, junior and seniors) granted by various schools with an academic scholarships B) All those who graduated in year 2016 with honors (suma cum laude, magna cum laude or cum laude) C) All 2016 High School graduates who graduated as valedictorian or salutatorian.

Leadership categories: A) President of Student Government body (high school and college level) B) President of Filipino American Youth associations/ organizations in colleges and universities C) President of Filipino American Youth community organization (i.e. Leo's, Samahang Bayan, etc.)

Significant achievement in the following: A) Music B) Dance C) Sports D) Volunteer Community service All applications of the above categories must be accompanied by one or more of the following: NAME, ADDRESS AND AGE OF APPLICANT MUST BE INDICATED IN THE APPLICATION. APPLICATION FROM THOSE BELOW THE AGE OF 18 MUST BE ACCOMPANIED

BY A SIGNATURE OF A PARENT OR GUARDIAN. 1) Name and address of school and name of a responsible school official, telephone number and address 2) Name and address of parent/parents or guardian 3) Letter of scholarship acceptance 4) Report cards 5) School and/or newspaper clippings 6) Any other supporting evidence of excellence and achievement *******There will be an essay contest on the subject " MY LIFE AS A FILIPINO AMERICAN IN THE UNITED STATES", FROM 250-300 WORDS. The writer of the best written essay will be given a monitory award as follows: one in elementary, high school and college entry. The winning essays will be published in the Filipino American Journal.

All of the above applications and essay entries must be received no later than October 11, 2016. Send all applications either by postal mail or by e-mail to either of the following addresses:

Spread the Good News Anniversaries Graduations Promotions Let us know at contribute@chikkamagazine. com

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Celebration Corner!

Lucy House celebrated her 50th Birthday with Family and Friends at Hilton Garden Inn-Phoenix/Avondale (8-13-16)

Alma Goldschmidt (FAMAZ President) surprise Birthday Harana /Serenade given by her FAMAZ Family (9-4-16 Scottsdale, AZ)

Hailey's 7th Birthday

Jehan Krugger celebrated her Birthday with family and friends (Glendale, AZ)

20 • September 2016 Edition • Visit Us Online at www.ChikkaMagazine.com or www.Facebook.com/ChikkaMagazine

September 2016 Edition • Visit Us Online at www.ChikkaMagazine.com or www.Facebook.com/ChikkaMagazine • 21

Join us in our upcoming International Business Conference and Trade Mission to the Philippines that will take place in Manila from October 11 to 15, 2016. This is a significant milestone as we are bringing in for the first time in Philippine history, a huge delegation of foreign investors/delegates from various parts of the United States of America and from the continent of Africa in a single event. Likewise, this event is significant as delegates will have the chance to meet our newly elected President of the Republic of the Philippines and his cabinet officials and directly hear from him unveil the economic platform of the new Philippine government.

Don’t Miss Out... be part and one of the delegates! Explore the beauty of Philippines and its Richness.. Visit this link for more details - www.fpacctrademission.com

22 • September 2016 Edition • Visit Us Online at www.ChikkaMagazine.com or www.Facebook.com/ChikkaMagazine

Stay pool-cool

without chlorine: There's a healthy alternative As summer temperatures rise, backyard and neighborhood pools become more attractive for old and young alike. The one thing most folks don't like, however, is the smell of the chlorine or how it burns your eyes or feels on your skin once you get out of the water. The chlorine is there to help keep the water clean and clear, and most pools require a lot of regular maintenance to maintain the proper levels.

Saltwater pools, however, offer a better way to enjoy a dip without the smell or feeling of chlorine. They work by converting salt to chlorine using an electrolytic converter. This produces the same type of bacteria-killing chlorine found in a traditional pool, but in a radically different fashion.

How saltwater pools work Instead of dumping a bunch of chemical chlorine all at one time and letting it dissipate until more is needed, a saltwater pool adds chlorine to the water at a constant rate. This displaces the bad smell and burning irritation we normally associate with chlorine, while maintaining the right amount at all times.

As the water exits the converter and enters the pool, the sanitizing chlorine eventually reverts back to salt, and the process repeats itself, conserving salt and keeping sanitizer levels balanced.

However new salt does need to be added occasionally as salt levels can drop due to splash-out, rain and filter back-washing.

Pool owners still should test weekly for pH and chlorine, and monthly for other water balance factors.

Lower maintenance, less expensive The other good news for home owners and pool managers is that saltwater pools require far less maintenance than traditional pools and are much less expensive to maintain as pool salt is far cheaper than traditional chlorine. This is a big reason why so many hotels and water parks in the United States have already made the switch.

The initial construction and installation of an electrolytic converter is very small and easily made up in maintenance savings. Even converting an existing chlorine pool to saltwater can pay off quickly.

The technology for a saltwater pool was first developed in Australia in the 1960s, and today, more than 80 percent of all pools Down Under use this system. In the United States, saltwater pools first began to see use in the 1980s and have grown exponentially in popularity. According to data published in Pool & Spa News, today there are more than 1.4 million saltwater pools in operation nationwide and an estimated 75 percent of all new in-ground pools are salt water, compared with only 15 percent in 2002.

Some may be concerned about the effect of salt on pool equipment, construction materials, decks and surrounding structures. However, the actual amount of salt used is very low, less than .01 as salty as sea water. You may be able to barely taste the salt in the pool, but much less so than you can taste and feel the chlorine in a standard pool. When pools are properly constructed and normal maintenance is followed, saltwater has no effect on pool finishes, equipment and decks.

To learn more about saltwater pools and other uses for salt, visit saltinstitute.org. (BPT)

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