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Kabayan News Kabayan Ka Ba? for Assembly District 46
A Filipino American Community Newspaper dedicated to serve and promote the interests and events of primarily the Los Angeles. PAGE 03
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Notarizing & Authenticating Option for The Go! One Kapamily Your Documents The Negative Equity A Success! Right Way PAGE15 Homeowner PAGE 05 PAGE 16
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Kabayan News is...
A Filipino American Community Newspaper dedicated to serve and promote the interests and events of primarily the Los Angeles, California residents and ultimately the nationwide and global Filipino American Community. Kabayan News truly represents the best of the Filipino American community and its goal is to partner with the FilAm community and together build a strong coalition of business owners, professionals and residents of Los Angeles, California. Kabayan News will reach out to the Filipino American nation in the United States of America estimated to be about 2 Million first, second and now third generation of FilAms who we aim to unite and connect to Kabayan News. Kabayan News humbly ask for your thoughts, comments and feedback so we can publish them in Kabayan News. Please do send us your articles, press releases, promotions, pictures, upcoming events and do tell us about your business, association, organization, chamber or even about yourself, family or friend so we can all share in their success and achievements. Kabayan News will definitely reach its goal of presenting
the positive aspects of our community with your help. Kabayan News will celebrate our wins and lofty achievements and proudly stand with the leaders and achievers in the FilAm community. Kabayan News will prove to be an invaluable tool in helping Filipino Americans who have recently immigrated to the United States and find themselves at a loss in this land of milk and honey. The readers of Kabayan News will find out that that the articles provide an invaluable resource regarding real estate and taxation issues, the importance of notary publics and safeguarding the integrity of documents and transactions. The advertisers of Kabayan News include the most reputable Filipino American Lawyers in Los Angeles, the most reliable job placement agency to help find employment and careers, the best restaurants to savor authentic Filipino American dishes and delicacies, as well as the most up to date events, concerts, social happenings and night life and entertainment in town. By God’s grace and our fellow Kabayan’s help we will succeed and make Kabayan news one of our own and an integral part of the Filipino American community! Kabayan ka ba?
Option for
the Negative Equity Homeowner By James Dullas, Real Estate Broker EXIT Realty Granada Office: 818.831.3219 Cell: 661.209.420317029 Chatsworth St. #100 Granada Hills, CA 91344
The most logical choice for an “upside-down” homeowner with a Loan-to-Value exceeding 125% is to default. No loan modification relief will ever fix the problem. Default is the legal act a homeowner takes to exercise the put option they hold under the provisions in all trust deeds. On default, the lender is forced by contract (trust deed) to take the property in exchange for the amount remaining due on the loan. Continued ownership of a large (home) asset (now has become a liability) is a mismanagement of one’s financial affairs. A homeowner must consider ridding himself of the property – just as any investor or businessman would do with any non-performing asset. Instead of supporting a liability, a homeowner can exercise his option – defaulting – and preparing to move out in about 12 months – the time it takes to short-sale or for the lender to hold a trustee’s sale of the property. Homeowner is then freed to spend substantially less for his family’s shelter, either by paying fair rent for a comparable property or purchasing a similar replacement home – both options producing a monthly expenditure a lot less than the homeowner
“boom-time” mortgage payment. With replacement shelter found, the finances are restructured to allow discretionary spending for education, investments and leisure, reduces work-load stress and frees time to do other important things. Recovery from the destroyed credit record takes approximately 2 years after the default has completed either thru short-sale or trustee’s sale, the time when purchasing a home with a loan can be again considered. Writer’s Note: Excerpts from Connor P. Wallmark – April 2, 2010, The Underwater Homeowner, His Future and His Agent: A Balance Sheet Reality. Additional information area available whether it makes financial sense to default.
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Crab Mentality a Devil named Envy Filipinos are the most intelligent and most resilientpeople in the world. Give the Filipino a difficult problem and he will come up with a creative solution. Give him a book and he will be ready to get a Master’s degree. Put a Filipino on the driver’s seat and he will bring you to the four corners of the world. Give him authority and he will command a legion. Show him an equally successful Filipino and he will pull his pants down and undress him to make himself look better in the eyes of the world.
What is striking about Filipinos is the fact that when they want to, they excel. They can be the very best in their chosen field. They can outperform the competition. Within the confines of their own preferred world, Filipinos will make it to the top.
If you put a crab in an open container, it will find its way out. If you put several crabs together in the same container,you need not worry because there is no way that anyone of them will get out because they will pull each other down. This is in a capsule what a Filipino is at his worst.
What is disheartening about Filipinos is the fact that when they start noticing other Filipinos making a better life than they have, they start competing negatively against the other.Thus, within an identified Filipino community, the achievers do not last because they will soon leave out of disgust. Then you end up with a bunch of losers whose main agenda is to spread gossips about each and every one of them. Gossiping or spreading false rumors is one of the favorite past times of Filipinos whether in the Philippines or abroad.
The best side of a Filipino is world class. We share pride with the them. Manny Pacquiao in boxing; Lea Salonga in stage musical; Ariel Pineda, Apple d.App, Charice Pempengco in the mainstream and international music arena, to name a few.
Filipinos are fond of creating a clique—only if they find a common denominator. More often than not, they polarize because they have found a comfort zone where they can discuss freely grand ideas that lead to nowhere.
They feel good at their mental thinking that other losers accept as gospel truth--hook, line and sinker. They spend their time discussing everything about nothing. They end up the day achieving nothing, but time foolishly spent and saliva wasted. If you are a Filipino and this article hits you like a bolt of lightning, it means its time to make a positive change in your attitude and actions. Meditate on how productive or unproductive you have been spending your time. Set a personal goal that will make your life and your loved ones lives better and utilize your time working to achieve that goal, instead of wasting it. Pray for guidance and strength to eradicate your bad
habits and transform your energy into something that will produce positive results. Rebuke the devil that makes you lazy and envious. Invite the good spirit that will make you a better person at all times. Otherwise, you shall find yourself deeper into the pit of your own pity party because you think you are better than the other person who was able to make it
“If you are a Filipino and this article hits you like a bolt of lightning, it means its time to make a positive change in your attitude and actions. Meditate on how productive or unproductive you have been spending your time.�
ahead of you. Yes, you may be better, but if you do not stop the devil in your mind, you will never escape the quagmire of your own misery. You are better and you can be the best, only if you act it out positively, selflessly and with the genuine desire to make a positive effect on other people’s lives. The change has to start in you now.
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driano Lecaros is a God fearing man, a loving husband and proud father, an attorney in the Philippines, a UP Law graduate, a rising community leader and has dedicated himself to becoming a friend and supporter of fellow Filipino Americans. Adrian is a Director of the Filipino American Chamber of Commerce of Los Angeles (FACCLA), a member of the Filipino American Movement for Empowerment (F.A.M.E.), a supporter of Pinoy Pinay sa America and has been nominated to become a board member of the Los Angeles Philippine Consulate General’s Kalayaan Executive Committee which conducts the Philippine Independence Day celebrations every June 12 since 1998. Adriano has had the invaluable advantage of having worked for Senators and Congressmen for more than ten years in the House of Representatives and the Commission on Appointments of the Philippines starting as a legal researcher then getting promoted as committee secretary and on to becoming the Chief of Staff of several Members of Congress when he passed the bar examinations. A lawyer in the Philippines, Adrian devoted his private practice to representing oppressed, poor and indigent clients who were victims of human rights violations such as ten year old boy who was repeatedly kicked by a nun, a little girl who was electrocuted and suffered third degree burns on her hand at a McDonalds. Adrian was also a corporate lawyer for Acebedo Optical and won a landmark Supreme Court decision, he also was an Assistant Legal Counsel to Kuok Philippine Properties which owns the 5 star ShangriLa Hotels and the exclusive 6750 Mall and the Enterprise Center the best office building on Ayala
alifornia State Assembly District 46 orama City, Van Nuys, Sherman Oaks, tudio City, North Hollywood, Toluca Studios, and the Hollywood Hills)
driano
Avenue, Makati, Adrian also was an attorney for Cinnabon, Days Inn and the Chief of the Business Permits of Quezon City in the Ozone case as well as then Marikina Mayor Bayani Fernando. Adrian is a Filipino American who has discerned and heard the call to service of the community to lead and uplift the status of the inhabitants of the district and represent them in the California State Assembly. Adrian’s legislative agenda will focus on promoting job creation and providing incentives and reduce red tape destroying small businesses. Adrian’s policies will prioritize funding for the community to ensure public safety and enhance the quality of life in the district. Adrian will continue to support viable public and private sector initiatives for education and develop programs for creating an environment promoting family values in our community and neighborhood.
Notarizing & Authenticating your documents the right way
Getting your documents notarized and authenticated
before you send them to your love ones in the Philippines are not as complicated as most people think. However, it is important to note that your first step in properly accomplishing your tasks should always be to call or go directly to the Philippine Consulate General in Los Angeles (Window 2) for answers to all your questions and concerns regarding all your document needs, as well as processing of Passport Renewals, Dual-citizenship Application, Delayed Registration and/or Report of Birth, Report of Marriage and Travel Documents. Why Notarization Is Important Having a document notarized is a deterrent to fraud. A notary public is an impartial party who oversees the signing of legally notarized documents in order to deter fraud. Legal notarization ensures that the signatures on the document are authentic. The seal of the notary declares that at the time of the signing, each party presented legal identification and swore under penalty of perjury that the facts contained were accurate. RPBS can assist you with all your document needs such as Special Power of Attorney for appointing someone you trust to perform tasks on your behalf. Affidavit of Consent and Authorization used to protect minor children living in the Philippines. Executing an Affidavit of Identity can clear discrepancies in your name that can, if not already, cause issues on your legal documents such as Birth Certificate and Passport. Extra Judicial Settlements
for the legal heirs of properties left by their love ones without a will. RPBS also provide assistance to all Filipino senior citizens who have pensions or retirement benefits that they would like to claim or collect from various government agencies such as PVAO, GSIS, Social Security Systems and AFSLAI. RPBS continue to provide the best Photo Services in town for Passport, U.S. Immigration, Dual-Citizenship, Travel Document, Report of Marriage and the ever-popular Proof of Life w/newspaper for retirees of PVAO, GSIS, Social Security Systems and AFSLAI. RPBS now offer Fingerprinting Services for NBI Clearance and Birth or Marriage Certificate Requests from NSO. And of course, RPBS founder Florentino Yarza Pascual III has been a Notary Public serving the Filipino Community throughout Los Angeles County for almost 15 years. Please call or visit us for FREE Notarial and/or Docum ent Consultation at: RPBS – R.Pascual Business Services 3600 Wilshire Blvd., Suite 530, Los Angeles, CA 90010 Office: 213.385.0115 Fax: 213.385-0072 You may also visit our website www.rpbusinessservices.com
One Kapamilya Go (USA) Pinoys invade Hollywood for ‘One Kapamilya Go’
Muling umarangkada ang “One Kapamilya Go” ng ABS-CBN The Filipino Channel sa Los Angeles. Sa loob ng isang araw, nakisaya at nagtanghal ang mga Kapamilya stars sa kanilang mga tagahanga sa Amerika.
Isang araw na sinakop ng mga Pilipino ang Hollywood, isang araw na idineklara ng City of Los Angeles bilang “The Filipino Community Day.” Ito ang “One Kapamilya Go” sa Universal Studios. Pinuno ng mga Pinoy ang Gibson Ampitheater ng Universal Studios para sa 2 sold out concert na ito.
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World Welterweight Championship Saturday, November 12 at MGM Grand in Las Vegas LIVE on PAY-PER-VIEW LAS VEGAS, NEV. Chapter three of boxing's best-selling rivalry goes on sale this week. The No. 1 pound-for-pound box office attraction and the Fighter of the Decade, MANNY "Pacman" PACQUIAO (54-3-2, 38 KOs), the lone congressional representative from the Sarangani province in the Philippines, returns to the Fight Capital of the World to defend his World Boxing Organization (WBO) welterweight title against professional nemesis, three-division world champion and future Hall of Famer JUAN MANUEL MARQUEZ (53-5-1, 39 KOs), of México City. PacquiaoMarquez III erupts Saturday, November 12 at the MGM Grand Garden Arena in Las Vegas, Nev. "My fight with Manny Pacquiao is going to be a war," said Marquez, Saturday night in Cancún, México, following his
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Dedicating Ourselves to Protecting Your Legal Rights.
Stop Foreclosures, Lawsuits and Garnishments Now! For a Free Consultation, Call (213) 382-6600 3600 Wilshire Boulevard Suite 820 Los Angeles, CA 90010 • www.reyeslawgroup.com
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Working Together and Committed to Empowering The Filipino American Community
Make Your Vote Count!
Join Us, Work With Us!. Enjoy the Victory With Us!�
"UNITY IN THE COMUNITY"