Weekend Balita October 31, 2015

VOL. XXIII, NO. 39

LOS ANGELES

OCT. 31 - NOV. 6, 2015

THE LEADING SOURCE OF NEWS AND INFORMATION FOR FILIPINO-AMERICANS

Presidentiables fail to impress traders All candiates were silent on how to address the small and medium enterprises

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MANILA, Oct. 28 (Mabuhay) – The four presidentiables Wednesday made a dismal bid at swaying the business and industry community to their side with surprisingly common platforms on infrastructure development, income tax reduction, and changing laws to increase foreign direct investments (FDI).

Vice President Jejomar Binay, former Interior and Local Government Secretary Mar Roxas II, Senators Miriam Santiago, and Grace Poe

Llamanzares each had a turn at their campaign spiels before members of the Philippine Chamber of Commerce and Industry (PCCI) at its 41st Philippine Business Conference at Marriott Hotel in Pasay City.

The consensus among businessmen was that while all four tackled issues that were expected in a business setting, none focused on the issue close to PCCI’s main advocacy, which is the small and medium enterprises (SMEs) sector or the backbone of the local economy.

Gov’t EfÀciency Santiago, the Àrst candidate to hold the à oor, chose government efSee PRESIDENTIABLES, page 6

Aquino: Filipinos won’t allow another Marcos presidency MANILA, Oct. 28 (Mabuhay) – President Aquino is conĂ€dent that Filipinos would not allow the Marcoses to have another chance to run the country, now that the late dictator’s son, Senator Bongbong Marcos, is running for vice president. “I have faith in my bosses, the Filipino people. There is nothing that has caused me to change the faith, that they are able to discern,â€? Aquino said during the FOCAP presidential forum on Tuesday.

He also doesn’t think that there

is a “resurgence of support� for the Marcos, when asked about Governor Imee Marcos’ appearance on a society magazine’s cover and social media posts sympathetic of the Marcos regime. “I don’t think so,� he said. “Resurgence of support? By appearing on a cover of a magazine demonstrates a resurgence of support? ...And social media is unquestioned source of information that cannot be manipulated?�

See MARCOS, page 6

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Arbitration case: PHL-1, CHI-0

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Palace welcomes arbitration court’s decision to hear PHL case vs. China

A Filipino businessman and his wife, owners of six residential care facilities for elderly in Orange County, were recently cited by the Department of Labor (DOL) district ofÀce in San Diego for à agrant violation of minimum wage, overtime pay and non compliance of workers compensation beneÀts.

Seventeen Filipino caregivers employed at Agape Cottage Senior Care Homes in Placentia, Fullerton and Santa Ana, were awarded close to $200,000 representing their back wages and overtime pay for work rendered in excess of their 40-hour work load.

San Diego district ofÀce DOL Director Rodolfo Cortez said the listed owner of Agape Cottage Senior Care Homes is Joey Alvarez. Joey Alvarez & his wife Marian Mejia-Alvarez each own 50% stock ownership of Agape Inc. The corporate ofÀce is based in Irvine.

Alvarez was ordered by the DOL

MANILA, Oct 30 (Mabuhay) MalacaĂąang on Friday welcomed the decision of the Permanent Court of Arbitration in The Hague to assume jurisdiction over the case filed by the Philippines against China over disputed claims in the South China Sea, parts of which Manila refers to as the West Philippine Sea. “We welcome the decision of the Arbitral Tribunal on jurisdiction, allowing the Philippines to present its claims on the merits,â€? Communications Secretary Hermino Coloma Jr. said in a text message. “Our people can be assured that those representing our country have been continuously preparing for this,â€? deputy presidential spokesperson Abigail Valte said.

For its part, Department of Foreign Affairs spokesman Charles Jose said: “We welcome the decision of the Arbitral Tribunal that it has jurisdiction over our case.� “We look forward to the Tribunal’s further hearing on the merits of the

See WAGE VIOLATIONS, page 6

case,� Jose added.

In a separate statement, Solicitor General Florin Hilbay said the court’s decision is a step forward towards a peaceful resolution on the territorial dispute. “The decision represents a signiĂ€cant step forward in the Philippines’ quest for a peaceful, impartial resolution of the disputes between the parties and the clariĂ€cation of their rights under UNCLOS,â€? Hilbay, the Philippine legal representative in the proceedings, said. “The elimination of preliminary objections to the exercise of the tribunal’s jurisdiction opens the way for the presentation of the merits of the Philippines’ substantive claims,â€?

Hilbay added. ‘PHL victory’ Meanwhile, South China Sea analyst Professor Carl Thayer of the University of New South Wales at the Australian Defense Force Academy described the development as “a See ARBITRATION, page 6

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The economy may have improved slightly, but for the jobless, things have not changed very much at all.

We are still experiencing continued corporate and government downsizing, which means there are still many more people suddenly losing their jobs, and can no longer meet the Ànancial obligations incurred during more prosperous times.

The Àrst way to deal with debts is to communicate simply and honestly with creditors. Everyone knows the economic situation. Suing for money owed is as annoying and costly for the creditor as it is for the debtor. The key here is: Don’t make any promises you can’t keep and keep all promises that you make.

We’ve seen some people write checks that they know will bounce, in their desperation to get an annoying bill-collector off their backs. A bounced check is a broken promise. It can subject you to criminal prosecution and will almost always make that creditor harder to deal with in future.

Constant harassment by collection agencies is another problem faced by those in Ànancial trouble. State and federal laws regulate the practices of debt collectors, and certain tactics are prohibited. When unfair tactics do take place, a letter from a lawyer is often enough to provide relief. If not, various legal remedies are available.

When things have gone too far to work out with creditors, the Federal courts can offer protection under bankruptcy laws, designed to protect you, and give you a fresh start. There are several types of bankruptcy, each named after a chapter of the United States Bankruptcy Code. Of these, Chapters 7 and 13 are the two that most concern the consumer.

Chapter 7 Chapter 7 is what most of us think of when we think of bankruptcy. In a Chapter 7 proceeding, all of your property which is not exempt by law is sold, and the proceeds are distributed to your creditors. At least that’s the theory. In practice, with the exemptions provided by law, and careful planning, an average middle class family would not give up anything at all.

Their assets would be deemed exempt, and the creditors get nothing.

The Ànal result is that your debts are discharged, and you are permanently free of those obligations.

However, there are some debts that cannot be discharged in a Chapter 7 proceeding. For example, education loans cannot be discharged unless one can show extreme hardship. Other non-dischargeable debts include damages from a willful tort claim, certain taxes, loans obtained through false Ànancial statements, debts incurred through fraud, deception, or embezzlement, consumer debts of $1000.00or more, for luxury goods or services owed to a single creditor and incurred within 180 days before you Àled your bankruptcy petition, cash advances of more than $1000 obtained within 180 days before you Àled your petition, court-ordered Ànes and restitution, and personal injury debts caused by driving while intoxicated or taking drugs. In some cases, a creditor must Àle a special proceeding in the Bankruptcy Court to determine whether the debt is non-dischargeable. A creditor can also sue you to prevent the discharge of a debt if you transferred or concealed assets or refused to explain the loss of assets.

Chapter 13 Chapter 13 is available for any individual with a steady income and debts which do not exceed $360,000 in unsecured debt and $1,081,000.00 in secured debt (“Secured debt” is when the creditor holds a mortgage or some other sort of lien on the property.). It allows you to submit a plan to pay off your debts, in whole or in part, over a period of three or Àve years. You don’t need a regular paycheck to qualify, but you must have income stable and regular enough to make payments under a plan.

One advantage of Chapter 13 is that it allows you to keep your assets even if they are not exempt. This can be important if you own a lot of equity in a home.

Another advantage is that, if you owe a debt jointly with someone else, such as a relative who co-signed a note for you, Chapter 13 will provide some

protection for the other person, while Chapter 7 will not.

Some debts which could not be discharged under a Chapter 7 proceeding can be discharged after partial payments under a Chapter 13 plan. These include some types of educational loans, damages for willful torts, and some taxes. You may, at any time, voluntarily dismiss a Chapter 13 proceeding or convert it into a Chapter 7 proceeding.

But if you dismiss it, your debts will not be discharged, and you will still owe the unpaid amounts.

Chapters 11 and 12 Chapter 11 allows businesses and individuals to restructure large debts.

It generally is used for people who want to restructure their debts but have more assets or debts than the limits for a Chapter 13 case. Creditors vote on whether to accept or reject a plan, which must also be approved by the court.

Its provisions are quite complicated and generally require the assistance of an attorney familiar with Chapter 11 proceedings.

Chapter 12, enacted during the 1980s, is a special form of debt workout for family farmers. In many ways, it is similar to Chapter 13, but eligibility is limited to people whose income derives primarily from a family- owned farm.

Automatic Stay When you Àle a bankruptcy case, an Automatic Stay takes effect immediately on all collection efforts by all creditors. Evictions, foreclosures, repossessions, lawsuits, annoying telephone calls all must stop, and any creditor who refuses to comply can be held in contempt of the Bankruptcy Court. If you hear from any creditors, we can generally get them to back off by writing them a letter informing them of your bankruptcy Àling.

Secured creditors can ask the Bankruptcy Court for permission to continue collection actions against you. A motion for relief from the Automatic Stay is heard and decided by the Bankruptcy Judge.

Chapter 13 not only provides an automatic stay for you, but if you owe a debt jointly with someone else (such as a relative who co-signed a note), it provides a stay for the co-debtor as well.

Bankruptcy Petition For any bankruptcy case, you must Àle a complete schedule of your assets, liabilities, income, and expenditures and answer a questionnaire about your Ànancial affairs. The most daunting aspect of Àling a bankruptcy case is the need to compile a thorough and accurate list of this information.

The success of a bankruptcy proceeding depends on the accuracy and completeness of the petition. We have a set of forms which we have designed to help you compile all of this information, and are easier to deal with, than the ofÀcial bankruptcy forms.

Once we have all of your information, we convert it to the format required by the bankruptcy court. You will also Ànd, that many questions on the form don’t apply to you, and can be answered with a simple “NA” or “None.”

If you are Àling a Chapter 13 case, we must also propose a plan for a partial or full repayment of your debts. Any Secured and Priority debts must be re-paid in full. Unsecured debts can be paid partially.

The Plan must also provide for a required fee to the Chapter 13 Trustee.

When you Àle a Chapter 13 Plan, you must begin making regular payments to the plan. Most plans are amortized over 60 months.

For solutions to all of your Ànancial problems, and rebuilding your credit, contact the law ofÀces of Paul M. Allen.

We promise that help is just a phone call away. Consultations are free, but by appointment only. We have two ofÀces to serve you, Glendale and La Palma.

Call us today at 818-552-4500.

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Bongbong calls for urgent action on charges on Mamasapano clash

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MANILA, Oct 29 (Mabuhay) – Senator Ferdinand “Bongbong� Marcos Jr. has urged the Department of Justice (DOJ) to ensure that there would be no delays in the evaluation of criminal charges against the respondents in the killing of the 44 Special Action Force (SAF) commandos. “It’s been nine months since the January 25 Mamasapano incident but until now the case against those responsible for the killing of the SAF 44 are still in the preliminary investigation stage,� Marcos said in a statement on Thursday.

While criminal complaints were Àled against 90 respondents, the senator said some of those responsible for the death of the SAF 44 have yet to be identiÀed.

He urged newly-appointed Justice Secretary Benjamin Caguioa to ensure that appropriate cases could be Àled in court against the respondents if warranted.

He said the National Bureau of Investigation (NBI) should continue

its probe and exhaust all efforts to Ă€nd leads that could point to other suspects in the Mamasapano clash. “How long must the family of the SAF 44 have to wait until justice is done?â€? he said.

Marcos renewed his call for justice for the slain members of the SAF 44 after he visited the grave of the late Police OfÀcer 3 Omar Nacionales at Luna Memorial Park in La Union.

Nacionales was born in Marcos, Ilocos Norte where the senator served as governor for three terms. “As we remember our dear departed, let us not forget the valor and the ultimate sacriĂ€ce of the SAF 44. Let us all work together and not rest until they get the justice they deserve,â€? Marcos said.

On January 25, 44 SAF commandos died during an 11-hour ÀreÀght with members of the Moro Islamic Liberation Front (MILF), the Bangsamoro Islamic Freedom Fighters (BIFF) and other private armed groups in Mamasapano, Maguindanao. (MNS)

3DODFH H[HF WR %RQJERQJ (OHFWLRQ GRHV QRW HTXDWH WR YLQGLFDWLRQ MANILA, Oct 29 (Mabuhay) – A MalacaĂąang spokesperson on Thursday scored vice-presidential candidate and Sen. Ferdinand “Bongbongâ€? Marcos Jr. for saying that President Benigno Aquino III should move on from the Martial Law years.

In a text message, deputy presidential spokesperson Abigail Valte said “moving on cannot be made for the sake of just moving on and for [the] convenience of certain parties.� “President Aquino has said, time and again, that there can be no reconciliation without justice,� Valte added.

Earlier, Marcos answered in the afÀrmative when asked if he thought Aquino should move on.

The president’s father, former Sen. Benigno “Ninoy� Aquino Jr., was assassinated during the Martial Law era, which Bongbong’s father and namesake imposed.

Asked if he thinks the public has forgotten the horrors of his father’s dictatorship, he said, “Siguro, yes. Ibinoboto

kami, eh.� Bongbong’s mother, former First Lady Imelda, was also elected into public ofÀce as congresswoman of Ilocos Norte. His sister, Imee, sits as the governor of the province.

But for MalacaĂąang, the election of the Marcoses into power does not equate to vindication. “The thousands of victims (and their families) of human rights violations, including those tortured, raped and murdered, will certainly not agree that election equals vindication,â€? said Valte.

During a forum by the Foreign Correspondents Association of the Philippines (FOCAP) on Tuesday, President Aquino reiterated that the Marcos family should apologize for the atrocities committed during the Martial Law era. “If they said ‘we erred, we had this opportunity to turn this country great as our father promised it didn’t happen. We apologize, we want to make amends.’ That I think would have been very, very acceptable. We are forgiving people as a general rule,� he said.(MNS)

No need for Aquino to apologize over SAF 44 deaths, Palace insists MANILA, Oct 29 (Mabuhay) – There is no need for President Benigno Aquino III to apologize for the 44 Special Action Force (SAF) members killed during the infamous January 25 Mamasapano clash, a Malacaùang spokesperson said Thursday.

Communications Secretary Herminio Coloma, Jr. said Aquino has already assumed responsibility over the incident, where SAF members clashed with Moro rebels while on a mission to neutralize foreign terrorists in Mamasapano, Maguindanao. “Inako ng Pangulo ang responsibilidad para rito, at maaalala ninyo noong ika-anim ng Pebrero, sinabi niya that ‘I will carry this with me ‘til the end of my days,’ at sa aking palagay ay sapat na ang mga naipahayag ni Pangulong Aquino hinggil dito,â€? Coloma said in a media brieĂ€ng.

Coloma was reacting to Senator Ferdinand “Bongbong� Marcos Jr.’s statement that Aquino should apologize over the deaths of the 44 SAF members in his capacity as commander-in-chief of the police and military.

Marcos, who is running for vice president in the 2016 elections, was in Luna, La Union, to visit the tomb of PO3 Omar Nacionales, one of the SAF trooper killed in the encounter.

Two weeks after the clash, Aquino claimed responsibility over the deaths of the 44 police commandos, saying he would carry the “tragedy� for the rest of his life. “Ako ang ama ng bayan, at 44 sa aking mga anak ang nasawi. Hindi na sila maibabalik; nangyari ang trahedya sa ilalim ng aking panunungkulan; dadalhin ko po hanggang sa huling mga araw ko ang pangyayaring ito,�

Aquino said.

Coloma also rejected Marcos’ allegation that the government is doing nothing to attain justice for the families of the 44. “Paanong masasabing wala samantalang nag-imbestiga na ang Department of Justice at nakapaghain na ng information laban doon sa mga pinaghihinalaan at umaandar na ang proseso ng batas hinggil dito?� said Coloma. “Baka lang nalilingid sa kanilang kaalaman ang mga kongkretong hakbang na naisagawa na,� he added.

Last month, criminal complaints were lodged against 90 individuals, including members of the Moro Islamic Liberation Front (MILF), Bangsamoro Islamic Freedom Fighters (BIFF) and private armies for the deaths of 35 of the 44 SAF members.

A supposed second batch of criminal complaints could not be Àled yet as the identities of the suspects in the killing of the remaining nine SAF commandos from the 84th Seaborne command have yet to be determined. (MNS)

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³0RQWH &DUOR 1LJKW´ IRU )$&&2&œV VW $QQXDO $ZDUGV *DOD The 21st Annual Awards Gala of the Filipino American Chamber of Commerce of Orange County at the Wynham Hotel in Garden Grove City last October 17 was a night reserved for those seeking an adrenaline rush with its Monte Carlo Night motif.

They were not disappointed with the overall ambiance that duplicated the real scenario in a casino with various games participants could indulge in before the formal ceremonies kicked in and the real reason for the gathering unfolded.

The evening belonged to Àve distinguished achievers whose accomplishments in the community where they operate were so glaring and profound to be ignored. These successful personalities have carved for themselves a template from which other enterprising business ventures could be patterned and replicated.

Awardees in five categories has served as a fitting reminder that anything is possible in America for as long as one adheres to a set of ethical standards and have the willingness to put the right amount of sacriÀce and dedication for any project.

Sharing the limelight and the accolades of the gala night included: Dr. Tess Mauricio, MD,FAAD, as Entrepreneur of the Year. She is a wellknown TV personality who appears regularly on “The Dr. Tess Showâ€? which is aired globally. Dr. Tess is a Board CertiĂ€ed Dermatologist and a graduate of Stanford University School of Medicine and the University of California San Diego. She is the founder of M Beauty

by Dr. Tess with multiple clinics in California. She is the youngest woman to hold the position of President of the San Diego Society of Dermatologic Surgery.

Amore Culinary Innovations, Inc./ Thaddeus Noel Laput – Start Up Company of the Year Award; Amore Culinary ranks Àfth among 450 direct

dealers in the world and ranks number one in the West Coast. Based in Cerritos, Amore started in 2008 with AmorĂ€na “Piaâ€? Legaspi investing in a Saladmaster set. The business grew gradually until she was promoted as an Authorized Dealer.

In 2012, the dealership was named Amore Culinary Innovations, Inc. and Pia was joined by her husband Noel.

Polaris Media and Marketing, GMA International (Jush Andowitt): Jush Andowitt is the Managing Director of Polaris Media and Marketing and GMA International US AfÀliate Development and Marketing Consultant.

GMA International is GMA Network’s International Group on TV and Radio.

Jush holds degrees in Public Administration and Business Management and also a producer of events, concerts and musicals in the US and the Philippines. Elena Lapid-Salonga (Lapid Foods, Inc) – FACCOC Community Service Award Elena brought her parents’ food business in the US in 2008 which she considered a major decision in her life in spite of discouragements with the business dominated by giant competitors.

Undaunted, she went ahead with her plans and was overwhelmed by the positive response of the consumers to her product. Her “chicharon� is now being distributed in 24 states and in the process of being exported to Canada and Mexico.

Elena is the current president/

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0DUWLQ 'LxR ZLWKGUDZV FDQGLGDF\ IRU SUHVLGHQW QDPHV 'XWHUWH DV VXEVWLWXWH MANILA, Oct 29 (Mabuhay) – Martin Diùo of the Volunteers Against Crime and Corruption (VACC) has ofÀcially withdrawn his candidacy for president in the 2016 elections and named Davao City Mayor Rodrigo Duterte as substitute.

Duterte, who is running for re-election in next year’s elections, has repeatedly said he is not interested in running for president despite calls from his supporters and party-mates.

Diùo withdrew his candidacy two days after his party, the PDP-Laban, passed a resolution compelling Duterte, also a member of the party, to substitute in case Diùo withdraws from the presidential race or is disqualiÀed from running.

DiĂąo said he withdrew after learning that he is likely to be declared as a nuisance candidate by the Commission on Elections (Comelec). “May pinadala sa akin ang legal department ng Comelec na motu propio na dini-declare na ako’y nuisance candidate,â€? he said.

DiĂąo maintained that PDP-Laban,

where he is secretary general, is a legitimate political party. “Pinagtataka namin ito dahil meron akong legitimate political party.

Si [former] President Cory Aquino, galing PDP-Laban. Si [Vice President] Jejomar Binay, galing PDP-Laban. Pati si [ex-Senator] Nene Pimentel,� he said.

He also said that for the 2016 elections, they will be Àelding candidates for councilor, mayor, governor and congressman.

He also cried foul over the Comelec law department’s decision, insisting that he is qualiĂ€ed to seek the highest position in the land. “Pagkaka-alam ko, para maging candidate sa pagka-presidency, apat lang ang requirements: registered voter, kayang magbasa at magsulat, at least 40 years old, at natural-born Filipino.

Wala namang sinabi na bilyonaryo,�

DiĂąo said. “Ang Comelec, sabi nila pinopropagate nila ang political maturity. Parang taliwas sa sinasabi ng chairman nila ang ginagawa ng legal department,â€? he added.(MNS)

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CEO of ELS Productions and is a multi-awarded business entrepreneur.

This yearâ&#x20AC;&#x2122;s Corporate Maharlika Award went to US Bank (Matthew Gambina and Joanna Favis Pamaran).

US Banks has been a consistent partner of many organizations in the community working â&#x20AC;&#x153;with community partners

who understand the need of individuals, families and organizations.â&#x20AC;? The prestigious bank matches its resources with community needs.

The annual gala was also an occasion to install in ofĂ&#x20AC;ce the organizationâ&#x20AC;&#x2122;s ofĂ&#x20AC;cers and members of the board of directors for next year.

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victory in the Àrst instance for the Philippines.”

“The Arbitral Tribunal has answered in the affirmative to two important legal questions – its competence to hear the case and the fact that the Philippines had made a case in international law. The Arbitral Tribunal is now cleared to begin its formal deliberations on this case.

China claimed the Arbitral Tribunal has no jurisdiction and would not participate. The Arbitral Tribunal rebuffed China on both accounts, ruling that it would proceed,” Thayer told GMA News Online via e-mail.

The Chinese Embassy in Manila has yet to respond to request for comment on the ruling.

The arbitration court ruled that it would take up seven of the 15

submissions made against China by the Philippines, which is asking the tribunal to declare Beijing’s sweeping claims over the disputed areas in the South China Sea illegal and excessive.

In its decision, the Netherlands-based court also rejected China’s position that the court cannot assume jurisdiction over the case because it deals with sovereignty over the features in the resource-rich waters. The European court says it is beyond its scope under the 1982 UN Convention on the Law of the Sea or UNCLOS. After assuming jurisdiction on the Philippine case, a hearing on the merits of the Philippines’ claims will be convened by the tribunal soon.

(MNS)

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Àciency issues particularly programs that deal with poverty alleviation as highlights, followed by her plans to only hire the “best and most competent” if elected. “I will restore meritrocacy,” she said. “I will put the most honest men and women to help me run my administration.” Santiago, who was diagnosed with stage 4 lung cancer, answered questions about her health and whether she expects to live through her term if she wins. But she still refused to release to the public her medical records and instead told her detractors: “Don’t you see me? I can stand, I can see you right in your eye. Why are you so nasty?”

Economic Showdown Presidential candidates Vice President Jejomar Binay, Sen. Grace Poe, administration party standard

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bearer Mar Roxas, and Sen. Miriam Defensor-Santiago faced members of the Philippine Chamber of Commerce and Industry (PCCI) yesterday at the 41st Philippine Business Conference at the Marriott Hotel in Pasay City where a consensus among business executives showed that none of them delved on the fate of the small and medium enterprises (SMEs) sector, which serves as the backbone of the local economy. (Federico Cruz/ Camille Ante) Binay followed Santiago next, and while he was asked about corruption allegations, he effectively deÁected giving straight answers, preferring to leave it to the courts. “It’s the job of the courts to say what you’re doing is corruption,” he told businessmen.

“The moral problem is not corruption, the moral problem is poverty.”

to pay the required federal minimum wage and overtime pay for his caregivers.

Cortez said that the Wage and Hour Division in San Diego has stepped up its campaign in the healthcare industry or board-andcare industry to ensure workers’ rights are followed regardless of their immigration status.

He also said that caring for the elderly and disabled , caregivers oftentimes worked almost 12 hours per day, but are rarely paid the legally mandated federal minimum wage, overtime for their extended work schedules. Director Cortez said the six facilities of Agape Cottage Senior Homes will be making new changes immediately to comply with all federal wage and hour laws as a result of a Ànal meeting held between the WHD representative and the owner.

During an ocular inspection done

on the six facilities owned by Alvarez, the DOL found out that all the homes were not in compliance with existing wage and hour labor laws and all employed caregivers were not paid correctly. The 17 Filipinos employed by Alvarez as healthcare workers were found to have worked long hours as live-in caregivers six to seven days a week and were paid below the minimum wage rate.

DOL investigators also found out the caregivers were not also paid overtime for work rendered after their shifts or in excess of their 40hour work load. DOL said Alvarez employed two people as caregivers (male and female) in each of his facilities in Orange county. These caregivers were charged to provide continuous or round-the-clock care for elderly residents, most of them in their advance stage of dementia or Alzheimer’s or receiving hospice care.

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He noted that voices of dissent were suppressed during the Marcos regime.

“What should be highlighted is the fact that there is a period in time that contrary opinions were not encouraged, that somehow they were involved in the periphery of. In our watch, contrary opinions are part and parcel and protected in the democratic space that we have managed to really strengthen within our watch.

That is, I think, proof positive that the democratic system in our country works,” he said.

He also pointed out the refusal of the Marcoses to apologize for the abuses of martial law, saying that even members of the Aquino’s house-

hold staff were also arrested during that time.

“I am also of the belief that you should not visit the sins of the parents on the children. They embarked on a political career. The start of a solution is the admission of the problem, the correct identiÀcation of the problem. They said… ‘we had this opportunity to turn this country great,’ as their father promised and that didn’t happen.

‘We apologize, we want to make amends.’ That I think would have been very, very acceptable. We are a forgiving people, as a general people, but they have statements that there is nothing to apologize for,” he said.

(MNS)

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/DQGORUGV VHHN &KDSWHU UHOLHI Two different clients both landlords because they both own rental properties came to see me last week with different problems.

The conventional wisdom why people buy rental properties has two points. First, the rental properties will provide a steady stream of monthly income to the landlord.

Second, the value of the properties will eventually rise, thus making the landlord rich in equity, like Donald Trump. The problem is that in reality many things can go wrong with rental properties. For instance, rents may not be able to cover the monthly expenses, and there are quite a few expenses particularly repairs and maintenance. If this happens, instead of having a steady stream of monthly income, the landlord is faced with Ă&#x20AC;nancing a monthly loss.

Facing continuous monthly losses, landlord will either have to pay for the monthly loss from his own pocket, or borrow money to Ă&#x20AC;nance the loss.

A $1,500 monthly loss translates to an annual loss of $18,000. Landlord is then squeezed between a rock and a hard place. Should he continue being a landlord and lose another $100K in the next 5 years? And another question is, if the equities in the properties are rising, can the increase in equities offset the yearly loss? Letâ&#x20AC;&#x2122;s say that after 5 years of eating the yearly loss of $18,000, landlord is out $90K but on the 5th year his/her equities in the properties have increased by $200K, then landlord will be ahead by $100K on the 5th year.

On paper, that seems to be a logical way of looking at it. But in real life, itâ&#x20AC;&#x2122;s not that easy to keep on eating the annual loss. This is what happened to my Ă&#x20AC;rst landlord client.

CHAPTER 13 TO ABANDON RENTALS In her case, she sold her residence about 8 years ago, just before the burst of the housing bubble. She made a net of $300K from the sale of her residence. She then put $100K down on a new residence, $100K on a rental with 4 units, and the last $100K on another rental with 4 units.

At that time all real estate prices were sky high. So, although she made $300K on the sale of her old residence because the price was sky high, she also bought her new residence, and the two rentals also sky high. Now, 7 years hence, thereâ&#x20AC;&#x2122;s no problem with the new residence, which has equity of $400K because her new residence is in a high demand area where foreigners are paying 100% cash for a limited number of houses.

The Ă&#x20AC;rst problem with the rentals is that they are negative every month because she has many rental expenses: property management, constant repairs, gardening, maintenance, taxes, and the mortgage payments are hefty. Sheâ&#x20AC;&#x2122;s negative almost $2K a month for 8 units. The second problem is that after 7 years, the properties have no equity. Therefore, after 7 years she lost $168K to pay for the monthly loss of $2K, and she also lost her $200K downpayment, making a grand total loss of $368K for 7 years! Now, she wants to retire and be rid of the rental properties because as she said â&#x20AC;&#x153;I already lost all of my $120K savings, and the $200K downpayment, I have to keep on borrowing money to cover the loss, I just want to retire now without this problem.â&#x20AC;? â&#x20AC;&#x153;I want to get rid of the two rental properties, but I want to keep my

residence, this is what I want to do.â&#x20AC;?

After analyzing her situation thoroughly, I suggested a Chapter 13 to abandon the two rentals at the right time. One rental had to get foreclosed Ă&#x20AC;rst, or a â&#x20AC;&#x153;deed in lieu of foreclosureâ&#x20AC;? instead, whichever is faster; otherwise, her secured debt level would be over the limit for Chapter 13. She could then abandon the other rental in her Chapter 13 plan. She could not Ă&#x20AC;le a 7 because her equity in the residence was $400K. In any event, the Chapter 13 will implement her desire to get rid of the rentals without owing any money on them.

Because she has large equity in her residence that is over $175K, she would have to pay her unsecured debt of $30K over 60 months without interest resulting in a plan payment of about $500K a month. After 60 months she would be debt free but she would be immediately free of the two rental properties without further liability. This is exactly what she wanted, to retire without Ă&#x20AC;nancial problems.

CHAPTER 13 TO STOP FORECLOSURE AND KEEP RENTALS In the other case, client sold her house Ă&#x20AC;ve years ago and used her net proceeds of $100K to buy a 4-unit apartment. She rents out 3 units and lives in one unit. She breaks even monthly. The problem is sheâ&#x20AC;&#x2122;s having a really hard time paying the Ă&#x20AC;rst mortgage because husband retired last year. The bank modified her mortgage after her husband retired but the modiĂ&#x20AC;ed amount is still a burden for her.

Now she wants to make one last attempt to further modify the mortgage payment. The problem is the bank has set a foreclosure sale for the property in 10 days. She has not paid the mortgage for 12 months and now has a large default of $100K. However, she wants to stop the foreclosure because she believes that she will be

LANDLORDS SEEK CHAPTER 13 BANKRUPTCY RELIEF_lv able to get a reasonable modiĂ&#x20AC;cation shortly.

Certainly, the only way to stop the foreclosure on its tracks is â&#x20AC;&#x153;NOW AFTER SIX DAYS, JESUS TOOK PETER, JAMES, AND JOHN HIS BROTHER, LED THEM UP ON A HIGH MOUNTAIN BY THEMSELVES; AND HE WAS TRANSFIGURED BEFORE THEM. HIS FACE SHONE LIKE THE SUN, AND HIS CLOTHES BECAME AS WHITE AS THE LIGHT.â&#x20AC;? â&#x20AC;&#x201C; MATTHEW 17:1-2 Lawrence Bautista Yang is a grad-

7

uate 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 Ă&#x20AC;ve 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.

TRAIN FOR A CAREER AS A

VOCATIONAL NURSE CALL 866.471.8620 stanbridge.edu

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3HUPDQHQW UHVLGHQF\ WKURXJK PDUULDJH WR 86 &LWL]HQ VSRXVH Changes in the economy and in the employment lanscape has made it more difĂ&#x20AC;cult to pursue certain traditional paths to obtaining permanent residency in the United States such as employment based. H1-b visas has been affected by the visa annual visa cap and does not lead to a green card.

In addition, it is a viable option only if the immigrant is fortunate enough to Ă&#x20AC;nd a job or an employer to offer them a job. However, one traditional way of obtaining permanent residency which has remained unchanged is through a petition by a US citizen spouse.

As a spouse of a US Citizen, an alien is considered an immediate relative and entitled to immediately apply for a green card inside the United States.

This is usually done by simultaneously filing an I-130 Petition for Alien Relative and an I-485 Application to adjust status. However in order to do this, the alien spouse must have been

inspected when the alien entered the United States or if not inspected must be grandfathered by section 245(i) of the immigration and nationality act. Being inspected means that the alien entered using a valid visa, paroled inside the United States, entered using the visa waiver program. The alien is grandfathered by section 245(i) if a family petition or a labor certiĂ&#x20AC;cation has been Ă&#x20AC;led for the beneĂ&#x20AC;t of that alien prior to April 30, 2001. If the alien was not inspected nor grandfathered under section 245(i), such as if the alien crossed the border illegally, the alien cannot

obtain his or her green card inside the United States and would have to obtain the immigrant visa from the US Consulate at their home country. If the alien has accumulated unlawful presence in the US of over 180 days, the alien would have to apply for a provisional waiver of the unlawful presence bar before leaving the US in order to avoid the 3/10 year bar and be able to return back to the US. Along with the application and petition, the alien is also required to take a medical examination by a physician designated by the USCIS. The result of that physical examination is reported in a USCIS form and sealed in an envelope submitted with the Petition and Adjustment Application.

The alien spouse may also apply for a work authorization card with the Petition and Adjustment application.

The work authorization card will allow the alien spouse to work legally in the United States, obtain a social security card, and a driverâ&#x20AC;&#x2122;s license while that person is waiting for his or her green card interview. Work Authorization card are usually issued in about1 to 2 months from Ă&#x20AC;ling the application.

The green card interview is usually set in about 5 to 6 months from the time the Petition and Application is Ă&#x20AC;led. The green card interview is the most important step in the process. It is through this process that the USCIS ofĂ&#x20AC;cer usually determines whether the marriage, which forms the basis of the Petition, was entered in good faith.

The adjudicating ofĂ&#x20AC;cer usually asks detailed questions about the marriage relationship between the US Citizen spouse and alien spouse. If the couple do not have children, the marriage are usually subject to closer scrutiny. Along with this inquiry process, the USCIS would usually request for certain documents that proves a bona Ă&#x20AC;de marriage. Some of these documents may be in the form of pictures, joint utility bills, health insurance documents, and

many more. If everything goes well, the USCIS ofĂ&#x20AC;cer will approve the case and a green card will be mailed to the alienâ&#x20AC;&#x2122; address within a reasonable time period. If the couple has been married for 2 years or more, the alien spouse will receive a permanent greencard. If the couple has been married for less than 2 years, the alien will receive a conditional green card. The alien spouse will have to Ă&#x20AC;le a petition to remove the condition 3 months prior to the expiration of the conditional greencard which is good for 2 years. Obtaining legal status in the United States is a one shot deal.

People should seek the assistance of an experienced Attorney to guide them through this important and and once in a lifetime process.

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-speciĂ&#x20AC;c legal information. This article is not intended to cover all the issues related to the topic discussed. The speciĂ&#x20AC;c 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 OfĂ&#x20AC;ces of Kenneth U. Reyes, APLC. This article is not a solicitation.

Attorney Kenneth Ursua Reyes was President of the Philippine American Bar Association. He is a member of both the Family law section and Immigration law section of the Los Angeles County Bar Association. He is a graduate of Southwestern University Law School in Los Angeles and California State University, San Bernardino School of Business Administration. He has extensive CPA experience prior to law practice. LAW OFFICES OF KENNETH REYES, APLC is located at 3699 Wilshire Blvd., Suite 747, Los Angeles, CA, 90010. Tel. (213) 388-1611 or e-mail kureyeslaw@gmail.com. Web: kenreyeslaw.com

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7KH GHEW WUDS 7RR EXV\ PDNLQJ D OLYLQJ WKDW \RX GRQÂśW KDYH D OLIH" This week, the truth of this statement struck a chord with a prospective client who came to me for debt help. Keep reading as this may be the most important article youâ&#x20AC;&#x2122;ve ever read. Prospective client is seriously in debt, something in the neighborhood of $80,000, mostly credit cards. She is a single mother with 3 children and has never received child or spousal support from her ex-husband since they got divorced more than 8 years ago (Apparently, ex-husband has been in and out of jail and doesnâ&#x20AC;&#x2122;t work). After her divorce, she went to nursing school, got her license and is now working as a registered nurse.

She owns a home, has a car payment and makes more than 100K per year.

However, the income is from 2 jobs- a full-time job hospital job and a second job of 6 hours in the evenings. Thus, she works 14 hours per day! When does she ever sleep?

She came to me because the minimum payments on her credit cards add up to $1,800 per month which is about the same amount she makes from her second job. As a matter of fact, she said that she needs this second job precisely for that reason- to be able to at least make the minimum payments every single month.

The problem is that even with all the income she has, she is barely surviving. She never has any extra money for emergencies or for recreation. She has no retirement plans and has zero savings. She juggles her credit cards by doing balance transfers. I warned her that if she keeps borrowing, sheâ&#x20AC;&#x2122;ll never get out of debt. And what if she loses her second job? This actually happened a year ago when she lost her then second job and it took more than 4 months to get another one. She fell behind in her mortgage payments and hadnâ&#x20AC;&#x2122;t it been for a loan modiĂ&#x20AC;cation granted by her lender, her home would have been lost through foreclosure.

The average interest rate on her credit cards is 24%. At that interest rate, if she only made her usual minimum payments of $1800 per month, it would take her 111 months or 9 years and 3 months to be debtfree. But thatâ&#x20AC;&#x2122;s not the worst part.

Over that period of time, she would have paid her creditors $119,722 in interest alone- which is even more than the $80,000 that she owes! So

basically, she will spend the next 10 years of her life making the banks richer while she works herself to death every month just to survive.

After speaking with me, she realized that it will take her more than a decade working 2 jobs to pay her debts. In the meantime, she canâ&#x20AC;&#x2122;t even save a penny for retirement or for her childrenâ&#x20AC;&#x2122;s college education.

Most days, she said she feels like a â&#x20AC;&#x153;zombieâ&#x20AC;? just walking around, always dead tired from working too much.

She said she actually hates working 2 jobs because her kids are growing up fast and she rarely spends time with them. She knows that one day, she will wake up and realize that life has passed her by and that she has missed out on the precious times she could have spent with her loved ones.

Is there anything she can do to turn her life around before itâ&#x20AC;&#x2122;s too late?

Unfortunately, she is not alone.

This is a common situation. If you are buried in debt and it takes you more than a decade to Ă&#x20AC;nd Ă&#x20AC;nancial freedom (if you even live that long with all the Ă&#x20AC;nancial stress that your debts are causing you), shouldnâ&#x20AC;&#x2122;t you make it a priority to do something about it as if your life depended on it? You should because it does.. If the only reason youâ&#x20AC;&#x2122;re forced to work two jobs is to pay your debts, make sure that youâ&#x20AC;&#x2122;re not too busy making a living that you forget to have a life.

If this article has spoken to you because you or someone you know is in this situation, Iâ&#x20AC;&#x2122;d like to help you. For a free consultation, call Toll-Free 1-866-477-7772 to schedule a free consultation. I have ofĂ&#x20AC;ces in Los Angeles, Pasadena, Cerritos and Valencia.

(None of the information herein is intended to give legal advice for any speciĂ&#x20AC;c situation. Atty. Ray Bulaon has successfully helped more than 5,000 clients in Ă&#x20AC;nding solutions to their debt problems. To schedule a free attorney consultation, please call RJB LAW OFFICES at TOLL FREE 1-866-477-7772).

Foreign business group raises red Ă&#x20AC;ag over LTOâ&#x20AC;&#x2122;s car plates contract MANILA, Oct. 28 (Mabuhay) â&#x20AC;&#x201C; The foreign business community raised concerns about doing business in the Philippines, citing the delays in releasing car plates under the standardization project of the Land Transportation OfĂ&#x20AC;ce (LTO).

The contractor has stopped delivering the license plates because of unpaid receivables from the LTO. â&#x20AC;&#x153;It is simply unfathomable that the common principle of sanctity of contract can be completely disregarded here,â&#x20AC;?

European Chamber of Commerce of the Philippines Inc. (ECCP) Vice President for External Affairs Henry J. Schumacher said.

Schumacher was referring to the contract awarded by the Department of Transportation and Communications (DOTC) to JKG-Power Plates, the winning bidder for the Motor Vehicle License Plate Standardization Program

of the LTO. â&#x20AC;&#x153;How can the country attract foreign investors if even a signed contract offers no assurance that the other party, in this case the government, will respect it?â&#x20AC;? Shumacher said. In 2014, the DOTC signed a supply contract with JKG-Power Plates, a Philippine-Dutch joint venture, for vehicle license plates. The Ă&#x20AC;ve-year, P3.176 billion contract covers 5.23 million pieces of motor vehicle plates and 9.97 million for motorcycles.

The new car plates are being manufactured in the Netherlands, where J. Knieriem b.v (JKG), the partner of Filipino contractor Power Plates Development Concepts Inc., operates a factory. According to the ECCP, JKG-Power Plates delivered a total of 877,166 pairs of MV plates, 2,370,006 pieces of MC plates, and 12,685 pieces of trailer plates with a combined value of P620,348,072.50.

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HEALTH & BEAUTY

11

Should I stop eating meat? No need, experts say Tuesday October 27 2015 (Paris, France-AFP) – The UN’s International Agency for Research on Cancer (IARC) warned Monday that processed meats like sausages and ham cause bowel cancer, and red meat “probably” does too.

Does this mean we should stop eating meat?

By the IARC’s own account, meat has “known health benefits”.

And the agency says it does not know what a safe meat quota would be – or even if there is one.

Other specialists insist the report is no reason to drop steak from the menu, though it is probably wise for big eaters of it to cut back.

Meat is a good source of key nutrients like zinc, protein and vitamin B12, they point out, as well as iron, which humans absorb more easily from meat than from plants.

“This decision doesn’t mean you need to stop eating any red and processed meat,” said Tim Key, an epidemiologist at Cancer Research UK. “But if you eat lots of it, you may want to think about cutting down.

You could try having Àsh for your dinner rather than sausages, or choosing to have a bean salad for lunch over a BLT (bacon, lettuce and tomato sandwich).”

Nutritionist Elizabeth Lund from Norfolk in England said obesity and lack of exercise were a far bigger cancer risks.

“Overall, I feel that eating meat once a day combined with plenty of fruit, vegetable and cereal Àbre plus

exercise and weight control, will allow for a low risk of CRC,” she said, referring to colo-rectal cancer.

“It should also be noted that some studies have shown that if meat is consumed with vegetables or a high-Àber diet, the risk of CRC is reduced.”

Ian Johnson of the UK-based Institute of Food Research, said meat consumption was “probably one of many” factors contributing to relatively high rates of bowel cancer in the United States, Western Europe and Australia – parts of the developed world where more meat has traditionally been eaten.

However, “there is little or no evidence that vegetarians in the UK have lower risk of bowel cancer than meat-eaters,” he said.

The specialists point out that the cancer risk posed by a meaty diet was statistically much lower than other factors like tobacco smoking and air pollution.

The IARC report “does not mean... that eating bacon is as bad as smoking,” said University of Reading nutrition expert Gunter Kuhnle.

“Processed meat can be part of a healthy lifestyle – smoking can’t”.

According to the World Health Organization, bowel cancer is the third most common type, with some 900,000 new cases every year, and 500,000 deaths.

Generally, dietary advice is to limit red-meat intake to once or twice a week, said nutrition professor Tom Sanders of King’s College London – the equivalent of about two steaks or three hamburgers.

([SHUWV VXJJHVW FXWWLQJ EDFN RQ PHDW EXW QRW QHFHVVDULO\ FXWWLQJ LW RXW FRPSOHWHO\ 9LG VKXWWHUVWRFN FRP

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1RY Âą 6WDUW RI 2EDPDFDUH RSHQ HQUROOPHQW Two weeks earlier, you may have received a renewal notice from your current health insurance carrier. If you do not want to change your plan and your carrier, and agree to the small increase in premium, then you are Ă&#x20AC;t to go for the year 2016.

But, wait. Before you do that, it may be appropriate to review your current circumstance and Ă&#x20AC;nd out about the new plan offerings. There may be new plans that may perfectly Ă&#x20AC;t your current needs.

Will you need to see your Primary Care Physician or Specialist more frequently in 2016? If you do, then consider upgrading to the Silver, Gold or Platinum plans (which command less or 0 co-pays for MD visits).

Do you need to keep 2 or more specialists that do not belong to the same network? If you do, then explore

the PPO plans offered by the different carriers in the same (metal tier) plan.

Are your prescription medications covered? Here, you have to review your carrierâ&#x20AC;&#x2122;s formulary so that you may effectively coordinate this matter with your PCP. Is there a carrier that offers a plan with lower premium than what you currently have? In 2016, there are changes. It pays to scour Covered Californiaâ&#x20AC;&#x2122;s website to learn of new plan offerings.

Do you like your doctor? If not,

ask for a new PCP from your carrier.

If you found one you like, but is not in your carrierâ&#x20AC;&#x2122;s network, discover his affiliation and switch to the carrier where he belongs. Set that appointment with your PCP early.

Nowadays, it may take sometimes 2 months before your PCP may schedule you for a visit, if it is not an emergency.

Do you need a dental plan? Be informed that in 2016, Covered California has a number of dental plans offered for your perusal. (Under the law, dental beneĂ&#x20AC;ts are embedded in plans for those 19 and below).

Obamacare is a relatively new law. Covered California is the marketplace where you may purchase discounted health insurance (thru

tax credits). Enrollment is done online.

Get the services of a broker â&#x20AC;&#x201C; itâ&#x20AC;&#x2122;s free.

You may reach me at 323-5357373 or, e-mail at leo.balita@gmail. com.

About the author: Leo Monsalud holds CA license #0G55218 and is a CertiĂ&#x20AC;ed Insurance Agent (Broker) for Covered California. He hails from Sta. Cruz, Zambales. He studied for his MBA and Law at the University of the Philippines. He worked for United Laboratories, Inc. where his last position held was vice-president in charge as general manager of a division. He also holds a Non-Resident license for Nevada.

),&2 6FRUHV RI VWLOO FDQ JHW D KRPH ORDQ A brief recent history on FHA loans and what it had to withstand prior to making all these changes.

HUD chose to implement the new standards for credit scores after watching the delinquency rate on FHA-backed loans rise in the past year. In May of 2010, 8.97 percent of all FHA-backed loans were seriously delinquent, according to CNN, an increase from 7.93 in May 2009. FHAbacked loan defaults peaked at 9.16 percent in January 2010, and the resulting delinquencies and defaults put a strain on FHA cash reserves, which are the reserves funded by mortgage insurance payments from borrowers. The new score requirements are designed to bolster that reserve. FHA commissioner David Stevens cited drop-offs in making on-time payments and foreclosure when a borrowerâ&#x20AC;&#x2122;s score is below 580.

Because of the changing nature of the FHA home loan program, the information new house hunters may have gathered a year or two ago when considering a new home may not be the same if they chose to wait to start the loan application process.

Minimum credit score requirements for FHA home loans depend on which FHA loan product the applicant needs. Generally speaking, to get maximum Ă&#x20AC;nancing on typical new home purchases, applicants should have a credit score of 580 or better.

Those with credit scores between 500 and 579 are, according the FHA guidelines, â&#x20AC;&#x153;limited to 90 percent LTVâ&#x20AC;?.

Applicants who have a minimum decision credit score of less than 500 are not eligible for FHA mortgages. Those with credit scores of 500 or better are eligible for 100% FHA loan Ă&#x20AC;nancing with no down payment required when using the FHA 203(h), Mortgage Insurance for Disaster Victims.

The FHA does make allowances for loan applicants with a â&#x20AC;&#x153;non-traditional credit history or insufĂ&#x20AC;cient creditâ&#x20AC;? may be able to be approved for an FHA loan if they meet FHA requirements for such circumstances.

The minimum credit scores listed here are in effect for most FHA home loans for single family residences with a few exceptions which include (but are not limited to) Title 1 HECM loans and HOPE For Homeowners loans. Always ask an FHA loan expert or your local FHA lender about your credit score and what you qualify for.

Donâ&#x20AC;&#x2122;t assume you cannot be approved for an FHA insured home loanâ&#x20AC;&#x201D;do you have changes in your credit score since the last time the credit reports were run? You may have options that can improve a poor credit score over time. Some potential borrowers may need to spend a year or so repairing bad credit and establishing a reliable payment history.

Those with past credit problems can often improve their scores over time and become eligible even under the

new updated FHA minimum credit score requirements. The Ă&#x20AC;rst step is to request help from the FHA for credit counseling or Ă&#x20AC;rst time homebuyer counseling. Help is available at FHA.gov.

Here are some quick references for Credit problems: Collection and Judgements. Court ordered judgements must be paid off before a mortgage loan is eligible for FHA insurance endorsement. FHA does not require that collections accounts be paid off as a condition of the approval. It will however be considered in the analysis of creditworthiness where the borrower has collection accounts that are unpaid.

Previous mortgage foreclosure.

The Foreclosure has to be 4 years or older; however with extenuating circumstances that include illness or death of a wage earner, a 3 year foreclosure history could be considered.

Bankruptcy. A Chapter 7 bankruptcy does not disqualify a borrower from obtaining FHA insured mortgage if at least two years have elapsed since the date of the discharge of bankruptcy. Additionally the borrower must have re-established good credit and chosen not to incur new credit obligations. The borrower must also demonstrate a documented ability to responsibly manage his or her Ă&#x20AC;nancial affairs.

A Chapter 13 bankruptcy does not disqualify a borrower, provided the lender can document that one year of the pay-out period under the bankruptcy has elapsed and payment history has been satisfactory and payments made on time. Borrower has to get a written permission from the court to enter into a mortgage loan.

Short Sale. If a borrower is in default at the time of a Short Sale, they have to wait three full years prior to closing on a FHA insured loan. A borrower however who sold a property under the FHA pre-foreclosure sale is not eligible for a new FHA insured loan with exceptions. A lender may decide to approve such circumstance when the default was due to a circumstance beyond the borrowers control such as death of primary wage earner or long term illness.

Co-singers are very common nowadays, even Freddie Mac allows non occupying co-signers to help the main borrowers qualify for a home loan, please call Ken Go of 1st Innovative Finance for your further inquiries.

Or write to Kennethgo@verizon.net.

Call Ken at 562-508-7048.

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$UDFHOL /LPFDFR 'DQV IHDWXUHV µFDODGR¶ LQ KHU ZRUNV DV WKH SULGH RI DUWLVWLF 3KLOLSSLQH FUDIWVPDQVKLS This author has recenly met one of the most famous living artists im the Philippines.

Her name is Araceli Limcaco- Dan, whose watercolor still life compositions include “calado’ embroidery.

This kind of ‘embroidery’ is used in formal wear, most especially in Filipiniana fashion and luxury linens.

In her book “ “Looking In,” Cheloy Dans as we all know her, is currently more than 80 years old, yet she’s still actively involved in “using art as a tool or aid for “facing the realitis of everyday living,” An advocate of “truth, knowledge and beauty, Cheloy, who has 10 children and 30 grandchildren, has spent most of her life drawing,painting and sculpting.” According to Guillermo M. Luz, Director of the Ayala Museum, :”through her creativity and innovativenenss, Cheloy has carefully captured the essence of pineapple Àber in textile ensemble paintings,” Thus, was born her trademark “Calado” series, where she creates “a romantic imterplay between Philippine textiles and particularly that of the pina Àber and blends it well with Áoral specimens that she is well familiar with in her Áoral garden.”

As a young schoolgirl at Santa Rosa College, her creative skills was honed in by her teacher, Angeles Fernandez who imposed rigorous discipline in matters of scale and color.

Further, she went to high school at the Philippine Womer’s University (PWU), and college at the University of the Philippines, where her mentors were: national artists: Fernando Amorsolo and Guillermo Tolentino.

In her earlier paintings, Cheloy was known for her “exquisitely

Amorsolo and so forth...I had to look for myself and I found myself in still life.”

Not many people around the world would do ‘still life.’ And I looked for original ways of doing ‘still life.’ “Why does everythng have to be a table?

Why always fruits and flowers? Why not rugs, objects and old curtains?”

Among the 186 portraits in her book “Looking In,” is a self-portrait of Cheloy taken in 1983.

The book is available at the Ayala Museum and in various other museums and libraries in Manila.

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detiled still life paintings in oil, watercolor and acrylic.

Her Àrst individual exhibition was in 1980, where she “showcased portraits that manifested her eyes for detailed perspective.” In 1986, she held her second exhibition at the Museum of Philippine Art, where her works on exhibit were the portraits that marked her career.” “Subsequently her exhibits featured the start of her watercolor still life compositions” Though mentored by Fernando Amorsolo, Cheloy was quoted once saying “ I did not want to be like

DOJ summons 90 suspects in Mamasapano clash for prelim probe MANILA, Oct. 28 (Mabuhay) – The Department of Justice has summoned to a preliminary investigation the 90 suspects in the killings of 35 of the 44 elite policemen in the January 25 Mamasapano encounter.

Prosecutor General Claro Arellano said the preliminary probe hearings would be done on November 11 and 27, at 10 a.m. at the DOJ main ofÀce in Manila. He said subpoenas for the implicated members of the Moro Islamic Liberation Front had already been sent to the rebel group.

Meanwhile, subpoenas for members of the Bangsamoro Islamic Freedom Fighters and private armed groups had already been sent to the ofÀce of the Mamasapano mayor.

The NBI-NPS last September Àled the Àrst batch of criminal complaints against the 90 individuals behind the deaths of the 35 Special Action Force commandos of the Philippine

National Police who belonged to the 55th Special Action Company.

The slain policemen were part of a team trying to serve arrest warrants and capture two international terrorists said to be hiding in Mindanao, including Malaysian terrorist ZulkiÁi Bin Hir alias Marwan.

Marwan was killed in the operation but the other terrorist Basit Usman was able to escape. Usman was subsequently killed in an encounter with Moro Islamic Liberation Front Àghters in May. A supposed second batch of criminal complaints could not be Àled yet as the identities of the suspects in the killing of the remaining nine SAF commandos from the 84th Seaborne command have yet to be determined.

Then Justice Secretary Leila de Lima had said not even survivors of the clash could identify their attackers.

(MNS)

=XELUL ZDQWV WR PRYH RQ IURP ULIW ZLWK .RNR 3LPHQWHO MANILA, Oct 29 (Mabuhay) – Former senator Juan Miguel “Migz” Zubiri on Thursday asked the public to move on from the electoral protest Àled against him by Senator Aquilino “Koko” Pimentel III over alleged cheating in the 2007 elections — an accusation that led to his resignation from the Senate in 2011.

“Ang tagal na noon, nakalimutan ko na. Let’s move forward,” Zubiri told reporters after the ofÀcial announcement of Senator Grace Poe’s senatorial lineup, where he is included.

“As I said, let us move forward for this country, kung mag-aaway away pa tayo dahil sa nakaraan walang mangyayari sa ating bansa,” he added.

Zubiri maintained that he did not participate in the supposed wholesale cheating during the 2007 elections, where he got the 12th slot, only 18,000 votes ahead of Pimentel. He said he resigned from the Senate to keep his integrity untainted.

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MANILA, Oct 27 (Mabuhay) – Philippine President Benigno Aquino on Tuesday said U.S. navy patrols in the disputed South China Sea are not a problem, and welcomed a balance of power in the region.

The U.S. Navy sent a guided-missile destroyer close to China’s man-made islands in the disputed South China Sea on Tuesday, drawing an angry rebuke from Beijing, which said it warned and followed the American vessel.

China claims most of the South China Sea, through which more than $5 trillion of world trade passes every year. Vietnam, Malaysia, Brunei, the Philippines and Taiwan have rival claims. The Philippines’ case for arbitration has been heard at The Hague.

“Freedom of navigation has been expounded and propounded by all parties to the issues of the South China Sea/ West Philippine Sea, and everybody seems to be guaranteeing freedom of navigation. So I see no issue as to this U.S. naval ship traversing under international law in waters that should be free to be traveled upon by any non-belligerent country,” Aquino said at a news conference in Manila.

The patrol by the USS Lassen was the most signiÀcant U.S. challenge yet to 12-nautical-mile territorial limits China asserts around the islands in the Spratly archipelago and could ratchet up tensions in one of the world’s busiest sea lanes.

One U.S. defense ofÀcial said the USS Lassen sailed within 12 nautical miles of Subi Reef. A second defense ofÀcial said the mission, which lasted a few hours, also included Mischief Reef and would be the Àrst in a series of freedom-of-navigation exercises aimed at testing China’s territorial claims.

The Philippines claims Mischief Reef in the Spratly group of islands as part of its Exclusive Economic Zone.

Aquino was asked if U.S. patrols would increase tensions in the region.

“If there are no hostile intentions being alluded to by any party, why should tensions be increasing in this particular portion of the world? Twelve nautical miles is the international standard of territorial waters. And again, so long as everybody conforms to the norms based on international customs and rules, regulations and laws, then there shouldn’t be any problem,” Aquino said.

The second U.S. defense ofÀcial said additional patrols would follow in the coming weeks and could also be conducted around features that Vietnam and the Philippines have built up in the Spratlys.

Aquino welcomed the U.S. presence, and said that under a security agreement, Manila is bound to provide logistical support to its ally if asked.

“I think everybody would welcome a balance of power anywhere in the world,” he said.

China’s Foreign Ministry said the “relevant authorities” monitored, followed and warned the USS Lassen as it “illegally” entered waters near islands and reefs in the Spratlys without the Chinese government’s permission.

Reclamation work is well advanced on six reefs in the Spratly archipelago, according to recently published satellite photographs and ofÀcials of the Philippines.

Aquino also criticized China’s unilateral declaration of an Air Defense IdentiÀcation Zone, requiring Áights in the area over the disputed territories to check in with Beijing.

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Comelec: You can’t force Rodrigo Duterte to run

MANILA, Oct 30 (Mabuhay) – The Commission on Elections on Friday said it will not work on the substitution of Davao City Mayor Rodrigo Duterte as presidential candidate of the Partido Demokratiko Pilipino-Lakas ng Bayan until the mayor accepts the party’s decision.

Comelec Chairman Andres Bautista said the poll body has not received a letter from the tough-talking mayor indicating his willingness to stand as Martin Diño’s substitute for the presidential race.

The PDP-Laban has also yet to Àle a new certiÀcate of nomination and acceptance for Duterte. Bautista said the substitution will not be valid without Duterte’s consent.

“Elementary ‘yun na hindi mo pwedeng pilitin ang tao na tumakbo kung ayaw tumakbo. Walang ganyan – kumbaga, hindi mo lang pwedeng basta isingit ang pangalan ng isang tao na sinasabi mong magsa-substitute para sa ‘yo,” Bautista said.

“In my mind, bago talaga natin dapat bigyang pansin ito e dapat natin munang malaman, mayroon ba talagang magsa-sub-

stitute? Kasi kumbaga, it’s all contingent on that e,” he added.

Diño, the former chairman of the Volunteers Against Crime and Corruption, has announced he will withdraw from the presidential race while naming Duterte as his substitute.

The Comelec chairman said questions may arise on the validity of the proposed substitution without Duterte’s consent.

“Ang tawag nila sa batas, kumbaga, one of a kind situation. But sinabi ko rin, sana kung magkakaroon ng substitution, as soon as possible para hindi na magulo ‘yung ating proseso,” he said.

Duterte’s reluctance to run for president has been deemed by some as a mere political ploy to boost his candidacy. Bautista said such a strategy is not against the law.

“Kasama ito sa proseso e. ‘Yang strategy rin e kasama sa isang kampanya. Kaya lang, ang dapat siguraduhin ay ‘yung strategy ay sumasang-ayon sa batas. As I said, may gray areas kung magkakaroon man ng substitution,” the Comelec chairman said.

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MANILA, Oct. 28 (Mabuhay) – If he had his way, vice-presidential candidate and Senator Ferdinand “Bongbong” Marcos Jr. would really want President Aquino to “move on.”

Marcos, son of the late dictator Ferdinand Marcos, has refused to apologize to the Filipino people over accusations that the dictator oversaw massive human rights abuses and plundered billions of dollars during martial law.

On Tuesday, President Aquino said he trusts that the Filipino people will not allow another Marcos to return to power.

Aquino’s father, the late senator Benigno “Ninoy” Aquino Jr, was killed during the Marcos regime.

“I have faith in my bosses, the Filipino people. There is nothing that has caused me to change the faith, that they are able to discern,” Aquino said during the FOCAP presidential forum on Tuesday.

Speaking to ABS-CBN’s Bandila, Marcos said the President’s opinion is his own. He said his own vice-presidential bid is not a move to gain a political position but an opportunity to continue the Marcos family’s service to the Filipino people.

“Ang amin namang ginagawa ay hindi naghahabol ng poder kundi pinagpapatuloy lamang ang aming serbisyo sa bansa kaya hindi namin iniisip. Hindi yun ang isyu para sa amin kayat hindi namin iniisip yung ganung klaseng pagbalik sa poder. Ang iniisip lang namin, ano magagawa natin para maging mas maganda ang buhay dito sa atin,” he said.

Asked if he believes President Aquino should move on, Marcos said: “Yes.” He also agreed that the Marcoses have been “vindicated” in the eyes of the people.

“Siguro, yes. Binoboto kami eh,” he said.

Marcos said he has cleared the air with former defense secretary and now Senator Juan Ponce Enrile despite the latter’s role in the 1986 EDSA revolt that removed the dictator.

“Napag-uusapan namin yun, matagal na yun, tatlumpung taon na ito. So nung una kaming nagkita siyempre napag-usapan namin yun pero marami ng nangyari.

Pareho kaming naging senador. Marami kaming ginagawa sa Senado bilang senador at siguro yung atensyon namin napupunta dun sa trabaho at dahil nga we have cleared the air,” he said.

The senator reiterated there is no reason for him to apologize since he has not been convicted of any crime.

“Kung meron akong nasaktan o meron akong ginawang pagkakamali, handa naman talaga akong mag-apologize pero ano yung ipag-aapologize, sino ba ang sinaktan ko? Saan ba ako nag-ano ng krimen?

Sa palagay ko, wala namang ebidensiya tungkol dya. Pero kung merong ipakita na meron akong nagawa na dahil dun merong nahirapan, nasaktan, handang handa akong mag-apologize,” he said.

He added that he believes that the Marcoses need not apologize for anything since it was not the policy of the Marcos administration to hurt anyone.

He said his father’s biggest mistake was trusting in the wrong people.

Marcos said people should let history judge his father’s legacy.

“Ang kasaysayan ay nandyan na. Hindi natin pwedeng palitan kaya’t hindi mo maitutuwid ang baluktot, hindi mo maibabaluktot ang tuwid so pabayaan natin ang kasaysayan ang maghusga sa kanya,” he said.

Marcos Wealth During the interview, Marcos also explained why his declared net worth rose from P600,000 in 1992 to over P200 million in 2014. A PCIJ report earlier said Marcos’s wealth rose from P34 million in 2000 to P364.39 million in 2011 or by 971 percent in 11 years.

The senator said some of the assets declared in his SALNs were the subject of several cases Àled in court.

“Marami dyan yung mga asset na naipanalo namin sa mga kaso kaya’t naman mga lupa, mga iba’t ibang asset, yun ang nagdagdag. kung titingnan nyo yung pinakauna kong SALN ay may malaking bahagi dun nakalagay undetermined dahil nasa korte pa, yung iba dun naresolve na kaya kelangan ko nang ilagay sa SALN ngayon dahil nakapangalan na sa akin,” he said. He denied that the assets are ill-gotten.

Marcos also denied that he lied about his school records, He conÀrmed that he Ànished college at the University of Oxford in England. According to a report, Marcos’s name does not appear in the records of both Oxford and Wharton, contrary to what is stated in his resume that he graduated from the two prestigious institutions.

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/LNH KHU ERVV 6ROLPDQ LV DOVR GHOXVLRQDO I do not know if our fashion conscious Social Welfare and Development Secretary Dinky Soliman was thinking straight when she recently assured the public that sub-standard bunkhouses in the Ă ood-ravaged areas of Tacloban City will demolished by the end of this month.

In her recent interview with the media, Soliman said the bunkhouses have to be dismantled because it is not safe. She also assured the public that there will no longer be any family living in sub-standard and indecently small bunkhouses in Tacloban city beginning next month.

Despite her assurance, Soliman however failed to mention of any government plans where these Ă ood victims will be temporarily housed.

As of today, thousands of families are still housed on makeshift bunkhouses that do not meet necessary minimum standards for the provision of basic needs and services.

National Housing Authority (NHA) General Manager Sinfaroso Pagunsan said in a recent Senate Committee hearing that 73,000 housing units are now being constructed for typhoon Yolanda victims. He further said that only 45,000 units are expected to be completed in December.

Worse, the statistics the Senate got in its recent committee hearing showed that the government was only able to construct 16,000 of the 205,000 homes that were supposed to be built for those affected by typhoon Yolanda.

So if there is some truth in what Soliman was bragging about regarding the demolition of bunkhouses,

where on earth will the Ă ood victims temporarily be relocated pending completion of their resettlement houses by December?

Maybe Soliman already made plans to put all these Ă ood victims under â&#x20AC;&#x153;house arrestâ&#x20AC;? in a fancy hotel in Tacloban city for the entire duration of the Asia PaciĂ&#x20AC;c Economic Conference (APEC) scheduled next month in Manila.

With all the money she has under her disposal as DSWD ofĂ&#x20AC;cial, including the unaudited missing Ă&#x20AC;nancial assistance intended for Ă ood victims which the government received from numerous donors around the globe, Soliman can easily afford to put these indigents temporarily in a â&#x20AC;&#x153;safe havenâ&#x20AC;? and free from the prying eyes of APEC members.

If she thinks that the Department of Public Works and Highways (DPWH) or the National Housing Authority (NHA) will be able to construct decent shelters for Ă ood victims in three to four days, she must be dreaming.

Maybe, her brain has been affected by the dye solutions that she has been constantly using to â&#x20AC;&#x153;highlightâ&#x20AC;? the color of her hair. Just like her boss, President Aquino, She is also being delusional.

How come it took Secretary Soliman and the Aquino government

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more than two years to Ă&#x20AC;nd out that these homeless Ă ood victims were living in sub-standard and unsafe shelters? How come that all of a sudden, the Aquino government, through the DSWD under Soliman, have been generous in giving Ă&#x20AC;nancial assistance to â&#x20AC;&#x153;Yolandaâ&#x20AC;? Ă ood victims?

The answer is simple- politics.

What Soliman is doing right now is all political gimmick to prop up the image of Liberal Party presidential bet Mar Roxas. She and Roxas have been touring the countrysides distributing financial assistance through the â&#x20AC;&#x153;Pantawid Pamilyang Pilipinoâ&#x20AC;? program to their favored LP constituents.

I am sure the voting public will get any Ă&#x20AC;nancial â&#x20AC;&#x153;dole outsâ&#x20AC;? Roxas and Soliman will hand to them. But I am more sure these â&#x20AC;&#x153;beneĂ&#x20AC;ciaries will never vote for Roxas, or aka â&#x20AC;&#x153;Mr. Palenke, especially Visayan folks who suffered the brunt of typhoon Yolanda. Filipinos in the Ă ood-ravaged areas of Leyte and some parts of Samar will never forget how the

15

Aquino neglected them in the aftermath of the strongest typhoon ever to hit the Philippines.

The governmentâ&#x20AC;&#x2122;s apparent neglect and disregard on the safety and health conditions of the Ă ood victims have been noticed by the United Nations. The UN issued a stinging criticism against the Aquino government regarding its inability or neglect to provide basic needs and services for thousands of Ă ood victim families displaced by super typhoon Yolanda.

Despite getting severe criticism for his insensitivity and no empathy for ordinary Filipinos, Aquino remains unperturbed on the plight thousands of Ă ood victims of â&#x20AC;&#x153;Yolanda.â&#x20AC;?

We will see what will happen to Roxas on election day. President Aquino has been saying that the 2016 presidential election will be a referendum of his â&#x20AC;&#x153;daan matuwidâ&#x20AC;? mantra. If Roxas fails to get elected as the next President, it will be â&#x20AC;&#x153;daan patungo sa kulungan for ex President Aquino and some of his former cabinet secretaries, Soliman included.

3RHÂśV GLVTXDOLÂż FDWLRQ IDWH NQRZQ EHIRUH \HDU HQGV MANILA, Oct. 28 (Mabuhay) â&#x20AC;&#x201C; The Commission on Elections will rule on the disqualiĂ&#x20AC;cation cases Ă&#x20AC;led against independent presidential candidate, Senator Grace Poe, before the middle of December. â&#x20AC;&#x153;Sa palagay ko as soon as possible consistent with due process. Hindi patatagalin ang kaso. Kami ay handa ilabas ang decision sa bagay na yan at sa ibang bagay tungkol sa mga kandidato we will see,â&#x20AC;? Comelec Commissioner Arthur Lim told reporters after facing a congressional hearing.

â&#x20AC;&#x153;Definitely we will act on this perhaps not later than the middle of December or even earlier.â&#x20AC;?

The poll body is expected to Ă&#x20AC;nalize the list of candidates by December, ahead of the beginning of the printing of the ballots. Ballots are expected to be customized according to each local jurisdiction.

The Comelec has asked all but 5 of the 130 who Ă&#x20AC;led their certiĂ&#x20AC;cates of candidacy for president to explain why they should not be declared nuisance candidates.

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Cuisia promotes PHL in Greater Dallas Asian American Chamber Of Commerce Banquet Los Angeles, 23 October 2015 â&#x20AC;&#x201C; Ambassador Jose L. Cuisia, Jr. gave the keynote speech as the special guest of the Greater Dallas Asian American Chamber of Commerce (GDAACC) during its banquet on 20 October 2015 at the Marriott at Legacy Town Center, Dallas, Texas.

The GDAACC is an organization with over 1,200 members with the mission of promoting and developing Asian American businesses with the economic development of North Texas.

The 2015 GDAACC Banquet centered on â&#x20AC;&#x153;Driving Diversityâ&#x20AC;? in the work place. Awards were given to individuals, small and large companies that championed the various aspects of driving diversity. The GDAACC itself is a great example of

diversity in both its leadership and membership. The current GDAACC President Galileo Jumaoas is of Filipino descent. GDAACC Chairperson Shabnam Modgil expressed appreciation for the presence of the Ambassador Cuisia at their banquet.

She also mentioned that it was indeed an honor for the GDAACC to feature the Philippines and have the Philippine Ambassador as their keynote speaker.

In his speech, Ambassador Cuisia focused on two important events in Asia this 2015: ASEAN Economic Integration and the Philippine hosting of APEC. The Ambassador stated that these events pertain to regional groupings that are two of the most excellent examples of GDAACCâ&#x20AC;&#x2122;s theme of â&#x20AC;&#x153;Unity in Diversity.â&#x20AC;?

Ambassador Cuisia stated that the Philippines is pleased to be hosting APEC for the second time this year. The Philippines believes that APEC is the premier multilateral intergovernmental forum for liberalizing trade and investment, facilitating business and fostering economic and technical cooperation in the Asia-Pacific region. The theme of this yearâ&#x20AC;&#x2122;s APEC, â&#x20AC;&#x153;Building Inclusive Economies, Building a Better Worldâ&#x20AC;? is in line with the Philippine Governmentâ&#x20AC;&#x2122;s own goal of promoting inclusive growth in the country.

The Ambassador closed his remarks by encouraging the attendees to take a close look at the Philippines as they map out their investments and expansion plans in the next few years.

With the Philippinesâ&#x20AC;&#x2122; geographic location at the center of the most dynamic region for the next 50-100

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years, the country can be the gateway of the PaciĂ&#x20AC;c to South East Asia, and to Greater Asia.

Ambassador Cuisia also took the opportunity to acknowledge the presence of the Philippine delegation for the 4th Private-Led Investment Roadshow headed by Dr. Bernardo Villegas with senior corporate executives representing various industries as members. The Investment Roadshow aims to present economic updates and various investment opportunities in the Philippines to the business community at Dallas Forth Worth, Texas.

Meanwhile, Cuisia was the featured speaker of the Dallas Fort Worth World Affairs Council on 21 October 2015. The Philippine delegation of the 4thPrivate-Led Investment Roadshow in the U.S. was also present during the event.

In his speech, the Ambassador discussed the current updated and positive developments about the Philippine economy, the Philippinesâ&#x20AC;&#x2122; Geopolitical Rose in Asia, the Philippinesâ&#x20AC;&#x2122; economic engagements - ASEAN, hosting of APEC and the countryâ&#x20AC;&#x2122;s efforts to work on accession to the TPP. The Ambassador stated

that the continued prosperity of Asia will largely depend on the peace and stability in the region.

Other areas of particular interest for the audience were about the upcoming Philippine elections, as well as transparency and Ă&#x20AC;ght against corruption in the Philippines. On the elections, the Ambassador quoted Dr. Bernardo Villegas who informed the audience that he sees the continued growth of the Philippines even with the upcoming change of leadership in the country. On transparency and corruption, Dr. Villegas also referred to the book â&#x20AC;&#x153;Why Nations Fail,â&#x20AC;? citing that as long as institutions are already in place, like what has been done in the Philippines in the Ă&#x20AC;ght against corruption, it will be difficult for future leaders to do further acts of corruption.

In closing, the Ambassador cited that the hope is for the continuation of the good governance platform of the Aquino Administration. The reforms already instituted and undertaken under the current administration will ensure that the Philippines remains a reliable partner and ally of the United States.

3+/ EXVLQHVV GHOHJDWLRQ YLVLWV 7H[DV ,QVWUXPHQWV Los Angeles, 23 October 2015 â&#x20AC;&#x201C; Texas Instrumentsâ&#x20AC;&#x2122; (TI) senior executives welcomed the Philippine delegation for the 4th Private-Led Investment Roadshow headed by Dr. Bernardo Villegas with Ambassador Jose L. Cuisia, Jr. at their headquarters in Dallas, Texas on 21 October 2015.

The Philippine delegation is composed of senior executives representing key industries in the Philippines. The delegation is composed of Mr. Ronaldo ElepaĂąo Jr., 1st Vice President for International Business Development, DM Consunji, Inc., Mr. Jose Mari Mercado, President and CEO, Information Technology & Business Process Association of the Philippines (IBPAP), Mr. Gilbert Camasura, Partner of ZMG Ward Howell, and Mr. Juan PeĂąa, President of RAJI Inc. The meeting was coordinated by Honorary Consul Ethel Mercado of Dallas, Texas, Mr. Gus Mercado, CEO of Datalogix Texas, Inc. in cooperation with Philippine Trade and Investment Center Trade Commissioner and Director Jojie Dinsay. Mr. Kevin Ritchie, Senior Vice President â&#x20AC;&#x201C; Technology and Manufacturing Group gave a brief

overview about Texas Instruments and its operations in two locations in the Philippines â&#x20AC;&#x201C; Clark and Baguio.

TI is the Philippinesâ&#x20AC;&#x2122; top exporter. Mr. Ritchie explained that out of TIâ&#x20AC;&#x2122;s 88% revenues overseas, 61% comes from Asia. In particular, 40-50% of these revenues Ă ow thru the Philippines.

Mr. Ritchie mentioned that in the third quarter of 2015 alone, 2 billion units were shipped from Clark.

TI has had a long presence in the Philippines as its site in Baguio has been in operation for 36 years while the operations in Clark began in 2007.

TIâ&#x20AC;&#x2122;s operations at Baguio and Clark has provided employment for thousands of Filipinos. Their Baguio ofĂ&#x20AC;ce employs around 1,560 people while Clark has 1,850 employees. Those employed handle either engineering, technician or direct labor functions at TI. Mr. Ritchie stated that they have not had any problems with their Filipino workforce. To show their appreciation, TI also gives back to communities in the Philippines with their laboratory donations, curriculum development with universities and scholarship programs.

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)XWXUH LQ À LJKW HQWHUWDLQPHQW ZLOO NQRZ ZKHQ \RX¶UH DVOHHS (Le Bourget, France-AFP) – The next generation of in-Áight entertainment will include screens that know when you’ve fallen asleep, while new apps will very soon let you sync your personal devices with the onboard system.

At the Paris Air Show this week French manufacturer Thales has been showing off its prototype for the next generation of business class seat, which includes iris-tracking to tell when passengers are looking away.

The screen can be set to pause a Àlm or go into standby when the passenger’s eyes are closed, and restart automatically when they wake up.

“The eye-tracking technology actually came from the handicapped market, and we’ve reapplied it to airlines,” said Brett Bleacher, director of innovations for Thales.

Bleacher said it was “still Àve to 10 years off” before the technology is actually installed in business class cabins.

“We are just starting to build relationships with airliners to get this into production,” he said.

Meanwhile, the market leader in in-Áight entertainment, Panasonic, was displaying its own technological innovations which will soon be available.

Having already brought touch screens and high-deÀnition video to many major airlines in the last couple of years, the Japanese company is now offering a range of smarter software that allows passengers to browse the Àlms on offer from an app on their personal device before they travel, and then sync the device once onboard.

Marketing manager Mario Grima said the software would be introduced to airliners “very soon”.

The sync means passengers can use their iPad or tablet as a second screen, browsing the Internet and shopping options without interrupting the Àlm.

It has taken a while for airplane screens to catch up with the sort of quality that have now become routine in smartphones and tablets.

“Airline screens have to go through a lot of certiÀcation and testing. They have to be much more rugged to make sure nothing goes wrong,” said Grima.

“If your iPad bursts into the Áames on the ground it’s not the end of the world, but if that happens on a plane, it’s obviously much more of a problem.”

Companies including Panasonic and Thales also have to “future-proof” their computers to make sure that they can handle technology and software improvements.

“You don’t want to change the entire Áeet’s entertainment system every time some new software comes out, so we’ve had to make these much more powerful than an iPad,” said Grima.

Getting more from customers The other important development has been to encourage more spending from customers – a factor that has become increasingly important for airlines as their proÀt margins are squeezed.

Airlines are keen to encourage passengers to book hotels, hire cars or buy tickets from partner companies at the destination.

“Ancillary revenue from selling tickets or teaming up with hotels and rental companies has become a huge and growing part of airline revenue,” said Scott Easterling, director of in-Áight entertainment for Thales.

The new technology allows airlines to gather large amounts of commercial data on passengers, from what time they do the most shopping to what kind of products they favor.

And there are more practical uses to the increasing connectivity, too, with airlines able to send information from the plane to maintenance crews at the destination, informing them of malfunctions so they can be ready with the correct parts and crew as soon as the plane arrives.

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Hyundai marks mileston, achieves 10-M sales in US FOUNTAIN VALLEY, CaThe Tucson and Velosterlif., Oct. 28, 2015 – Hyundai were recognized as best in marked a monumental miletheir class among 66,000 stone today, selling its 10 milnew vehicle buyers for delionth vehicle in the United livering the compelling and States. Having started in 1986 sought-after combination of with a single nameplate, reachhigh consumer satisfaction ing 10 million sales is a signifand lower-than-expected icant achievement that showownership costs over time. cases the success of Hyundai’s “The Motorist Choice continually expanding lineup.

Awards are signiÀcant be“The United States has been a cause the vehicles are rated key region of focus for nearly by new car buyers on 50 three decades, and this landkey attributes,” said Mike mark achievement comes after O’Brien, vice president of years of accelerated growth and corporate and product planthe strategic rollout of our prodning, Hyundai Motor Amer&DOO RU YLVLW RXU NDEDED\DQ # :LQ +\XQGDL LQ &DUVRQ uct line,” said Derrick Hatami, ica. “This accomplishment vice president of national sales, demonstrates that Hyundai ufacturing Alabama (HMMA) plant Hyundai Motor America. “Today in 2005. Through today, HMMA has meets the needs and expectations serves as a testament to the design, built 2,660,314 vehicles, including of compact crossover and sporty car quality and value of Hyundai’s prod- two of Hyundai’s all-time best-sell- shoppers.” uct portfolio.

The Motorist Choice Award coming models: Sonata, which comprises The American car market contin- 64 percent of total production at bines complementary analyses from ues to be on the rise, with more than HMMA, and Elantra with 23 percent. AutoPaciÀc’s new vehicle satisfac17 million new car sales expected in “This special milestone of hitting 10 tion survey with IntelliChoice.com’s 2015. Hyundai is well positioned for million sales in the United States proprietary cost-of-ownership data. continued growth in this market, exemplifies that Hyundai is part The Àrms then use this consumer offering consumers a variety of ve- of the American fabric,” said Dave data to determine winners in each hicles that meet their needs.”

Zuchowski, president and CEO, of 23 vehicle segments.

Hyundai entered the United Hyundai Motor America. “Our plant The methodology provides a suStates market in 1986 with the sub- in Alabama provides jobs to nearly perior means of evaluating best-incompact Excel, and with very little 3,000 Alabama residents and con- class vehicles that align consumer awareness of the Hyundai brand or tributes approximately $4 billion to shopping patterns with probability its products, customer response was the state’s economy each year. for both satisfaction and value. immediate — Hyundai sold 168,882 The 2015 Tucson comes standard Also, about 56 percent of the Excels right out of the gate. Within cars Hyundai sells in the Unit- with premium features such as 17seven months, Hyundai sold its e d S t a t e s a r e m a d e h e r e . ” inch alloy wheels, projector head100,000th Excel, helping to set an in- Hyundai shocked the automotive lights with LED headlight accents dustry record for the most Àrst-year industry in 1998 when it introduced and a remote keyless entry system sales for an import car company. its warranty program, which is with alarm.

Hyundai has since demonstrat- known today asHyundai AssurIn addition, Tucson offers a gened its high-velocity growth by ance or America’s Best Warranty. erous amount of standard safety achieving increased year-over-year All Hyundai vehicles sold in equipment, including advanced sales volume for the past seven the United States are covered by front, front-side impact and side-curconsecutive years. Hyundai has theHyundai Assurance program, tain airbags with rollover sensors, been one of the fastest-growing which includes the 5-year/60,000 four-wheel disc brakes and ABS with automobile companies in America, mile fully transferable bumper- Electronic Brake-force Distribution due to its current lineup of Ac- to-bumper warranty, Hyundai’s (EBD) and Brake Assist. cent, Azera, Elantra, Equus, Gene- 10-year/100,000 mile powertrain The all-new 2016 Tucson imsis, Genesis Coupe, Santa Fe, Santa warranty and five years of com- proves on an award-winning forFe Sport, Sonata,Sonata Hybrid, So- plimentary Roadside Assistance. mula, and is expected to delight nata PHEV, Tucson and Veloster. Hyundai also challenged the indus- consumers on satisfaction and low This diverse lineup incorporates new try in 2011 with the introduction ownership costs even more. levels of quality, safety, performance of Blue Link®, the telematics platThe Veloster lineup offers conveand luxury, all while retaining form exclusive to Hyundai models. nience, safety and performance for Hyundai’s legacy for great value.

Meanwhile, the Hyundai Tuc- 2015, with continuing appeal for Ten years ago, Hyundai expanded its son and Veloster received 2015 Mo- the popular sporty coupe. Both Veoperations to include building cars torist Choice Awards from esteemed loster and Veloster Turbo models in the United States when it opened automotive industry research Àrms feature cutting-edge powertrain the doors of its Hyundai Motor Man- AutoPacific and IntelliChoice. technologies like direct injection,

optimizing their appeal to youthful customers by combining excellent fuel economy, spirited performance and low emissions without compromise.

AUTOPACIFIC AutoPaciÀc is a future-oriented automotive marketing and product-consulting firm. Every year AutoPaciÀc publishes a wide variety of syndicated studies on the automotive industry.

The Àrm also conducts extensive proprietary research and consulting for auto manufacturers, distributors, marketers and suppliers worldwide.

Company headquarters and its state-of-the-art automotive research facility are in Tustin, California, with an afÀliate ofÀce in the Detroit area. Since 1986, AutoPaciÀc has provided innovative, methodologically sound, strongly implemented research, in addition to expert automotive analysis.

AutoPaciÀc is nationally known for its annual Vehicle Satisfaction Awards and Ideal Vehicle Awards.

INTELLICHOICE IntelliChoice, part of the Motor Trend Automotive Group, is the market leader in automotive ownership cost and car values analysis.

Founded in 1986, IntelliChoice is committed to empowering consumers to make better purchase decisions by providing independent and essential automotive information and tools.

But if you want to own a new 2016 Sonata award-winning Hyundai Santa Fe and even “Save everyday”, come to Win Hyundai in Carson where our kababayan Jun Milan and Jay Trinidad will guide why Hyundai has become one of the most popular brands in the car market today. Don’t worry about your credit.

Henry will help you buy your new car even if you have no credit or even if you have bad credit.

And if you buy a new Hyundai at Win Hyundai, you can take advantage of these extras, including a three months limited powertrain warranty or a 3,000-mile limited powertrain warranty.So, what are you waiting for? Call our kababayan Jay and Jun at 888.718.7473. Win Hyundai is located at 2201 E. 223rd St., Carson, CA 90810.

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California Fil-Ams celebrate Larry Itliong Day with fervor %\ $EQHU *DOLQR

THE celebration of the 1st Larry Itliong Day in California was a huge success. Thousands of Filipino-Americans came out and participated in a three-day marathon of community activities held in many cities around the state that started in October 23.

Art Garcia, a prominent community leader in Los Angeles said the commemoration of union leader Larry Itliong greatly enhanced the signiĂ&#x20AC;cance of the Filipino-American history month as Filipino-Americans were able to relate to an actual Fil-Am hero whose struggles as an agricultural worker epitomize the journeys of most immigrants here in the United States of America.

Garcia claimed that the celebration of the Filipino-American history month was primarily based on a â&#x20AC;&#x153;myth.â&#x20AC;? The Larry Itliong Day, he added, provided Filipino-Americans the faces and stories that can actually be retold and celebrated for their value and consequences to the history and evolution of their community.

On Saturday, October 24, simultaneous celebrations were held in downtown Los Angeles and Carson City. The activities included dedicated masses in churches, parades, Ă&#x20AC;lm showings, awarding of recognitions to exemplary individuals and cultural shows â&#x20AC;&#x201C; portraying Philippine indigenous dances and attires. There were also presentations of contemporary Filipino-American progressive arts, poems and music.

The son of the Fil-Am hero, Johnny, who was present during the celebration in Carson City, said he was so happy and honored that the Larry Itliong Day has become an official celebration for the Filipino-American

community. â&#x20AC;&#x153;We work for many years, about 30 years, for this. And it is the 50th anniversary of the Delano grape strike, it is just so Ă&#x20AC;tting to celebrate it today,â&#x20AC;?

Johnny said.

The son of the great union leader also thanked California legislators, particularly Democratic Assemblyman Rob Bonta of Oakland who authored the bill calling for a statewide commemoration of Larry Itliong. The bill passed the California legislature without any opposition.

In July last year, California Gov. Jerry Brown signed the bill into law which made October 25 as Larry Itliong commemorative day.

Notably, the celebration of the Larry Itliong Day in Los Angeles showcased of Filipino-Americans reaching out efforts with the members of other minority groups, particularly with Hispanics and African-Americans.

In Carson City, political animosity was temporarily set aside as feuding city ofĂ&#x20AC;cials join each other on stage to express their respective support for the ongoing event.

Carson City Mayor Alex Robles, City Council Mayor pro tempore Elito Santarina, Council members Jawane Hilton, Donesia Gause, Lula Davis-Holmes and City Clerk Jim Dear all gamely went up the stage to join the presentation of awards and subsequent pictorials.

Atty. Jose Lauchengco Jr., one of the speakers in the Carson event, told the crowd that the ongoing political strife has nothing to do with race but only with the â&#x20AC;&#x153;corruptionâ&#x20AC;? of certain individuals who wanted to take advantage of the city government.

Among those honored in Carson City were 92-year-old World War II

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In downtown Los Angeles, the festivities were spearheaded by Jump Sunday, Search to Involve Pilipino Americans, Peopleâ&#x20AC;&#x2122;s Core, Kabataang Makabayan (KmB) and the Pilipino Workers Center.

In 1965, Itliong led the Delano Grape Strike to seek better conditions for agricultural workers. Prior to that, he also helped establish the Alaska Cannery Workers Union in the 1930s which led to a contract that included eight-hour a day work with overtime pays. He also founded the Filipino American Political Association in 1970 which was the Ă&#x20AC;rst Fil-Am political organization.

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Los Angeles, 28 October 2015 â&#x20AC;&#x201C; The Los Angeles City Council, led by Councilmembers Mitch Oâ&#x20AC;&#x2122;Farrell and Jose Huizar, honored the Filipino American community in Los Angeles by presenting a Resolution proclaiming October 2015 as Filipino-American History/Heritage Month on 23 October 2015 at the John Ferraro Council Chamber of the City Hall of Los Angeles.

The Council honored, among other, Johnny Itliong (son of labor leader Larry Itliong) on the occasion of the 50th anniversary of the founding of United Farm Workers, and Marissa Aroy, Director of the documentary â&#x20AC;&#x153;The Delano Manongs: The Forgotten Heroes of the UFW.â&#x20AC;?â&#x20AC;?

Consul General Herrera-Lim told the City Council that the History Month is a celebration of the shared values

between Americans and Filipinos and serves to honor the unique relationship that the Philippines has with the US. In his remarks, Consul General Herrera-Lim thanked Council President Herb Wesson for honoring the Filipino community, its pillars and for wearing the Philippine barong shirt with honor and dignity. Oâ&#x20AC;&#x2122;Farrell, during the presentation of the resolution spoke highly of Filipino labor leaders Larry Itliong, Philip Vera Cruz, and a large group of Filipino farm workers and the pivotal role they played in the Delano Grape Strike of 1965, which led to the formation of the United Farm Workers Movement. Consul General Leo Herrera-Lim and Linda Granados, President of the Los Angeles Filipino Association of City Employees (LAFACE), accepted the resolution in behalf of the Filipino-American community in Los Angeles.

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Eddie Garcia suggests fines for tardy actors Eddie Garcia’s advice to prevent tardiness among people in show business is simple: Fine actors or actresses who come late to the set!

The 86-year-old actor who is still active even after 66 years in showbiz said that he already suggested that before but it was always up to the producers or network. His idea also came from his years working with Sampaguita Pictures when he was just starting out in showbiz.

According to him, Sampaguita Pictures actors have to be punctual all the time. He remembered getting a P50 allowance per day and if you were late, you could lose that.

“Halimbawa schedule mo 8:00 a.m., dumating ka ng 8:10 a.m., may multa yun. Sa gate may time-in dun ang guwardiya. Pagdating dun sa studio 7:00 a.m. nandun na si Mrs. Vera so nakikita niya kung sino mga dumarating. 10 minutes late, P5 ang multa,” he

recounted.

And Eddie was never late then; he is also never late to this day even when trafÀc is said to be at its worst.

Production executives of GMA7 can attest to his punctuality. For their story conference for Eddie’s latest soap opera entitled “Little Mommy,” he was an hour early.

The principle he follows is simple, too, when it comes to punctuality. He does what he can do today and doesn’t procrastinate so he could do other things the next day. He said preparedness is key to getting to the set on time.

“Kung alam mo ang call time mo at malayo ka, eh ‘di agahan mo,” he pointed out.

Should producers take up his suggestion of Ànes, he also said the money pooled from tardy actors could be used for their last day parties. This was the norm then with Sampaguita Pictures, according to Eddie.

What Bea missed about working with John Lloyd

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There is no rest for Bea Alonzo.

Following the success of her last Àlm “The Love Affair,” Alonzo is back in front of the cameras for the sequel of her 2007 movie “One More Chance,” which also marks her big-screen reunion with long-time leading man John Lloyd Cruz.

Alonzo said she missed working with Cruz. Their last movie together was “The Mistress” in 2012.

Asked what changed in their working relationship, Alonzo said: “Siyempre ibang tao na kami ngayon. Marami na kaming natutunan from the past and what’s exciting is that every time magkatrabaho kami together, laging may sorpresa para sa isa’t

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GMA 7Ļs “Little Mommy” reunites Eddie Garcia and Nora Aunor. The last time they worked together as co-actors was in “Sana Bukas Pa Ang Kahapon,” where they both won acting awards for their respective roles.

In “Little Mommy,” Eddie plays Don Miguel Valle, Tinay’s (played by Kris Bernal) long-lost maternal grandfather.

While Nora is Tinay’s Lola Annie who is still an active guitarist for a rock band.

Directed by Ricky Davao, also in “Little Mommy” are Bembol Roco, Keempee De Leon, Gladys Reyes, Mark Herras, Hiro Peralta, Renz Fernandez, Juancho Trivino and Sunshine Dizon.

So how did Eddie Garcia maintained his professionalism for more than six decades?

“Napakadali lang naman ’yang professionalism. Be punctual and ’wag mong bigyan ng sakit ng ulo mga kasama mo. Yung director mo wag mong bigyan ng sakit ng ulo. Pag-aralan

(GGLH *DUFLD

mong mabuti role mo when you come to the set and be prepared. Tapos yung binibigay sa yung role pagbutihan mo para yun ang best recommendation mo for the next project,” he replied. (MNS)

isa.”

“Lagi akong mayroong nakikitang bago sa kanya at sana gano’n din siya sa akin.

Siguro nago-grow kami sa bawat proyektong na ginagawa namin na hindi magkasama that’s why nakakatulong ‘yun, na we’re growing apart. And then when we do a project together again, it’s a totally different feel na naman kasi nag-grow na kami as actors, as individuals,” she added.

Star Cinema Àrst released the teaser trailer for what it simply called the “‘One More Chance’ sequel” in August.

The four-minute clip shows the lead characters Popoy (Cruz) and Basha (Alonzo) as a married couple. (MNS)

1LNNL *LO WR TXLW VKRZEL] DIWHU ZHGGLQJ" Nikki Gil is still unsure about her plans after she ties the knot with boyfriend, businessman BJ Albert, next month – including whether she will be quitting showbiz for good.

Gil said that at the moment she wants to just “go with the Áow.”

“Different season, different chapter,” she mused. “We’ll see. Right now, my focus is on what’s happening in my life right now, on the wedding. We’ll see what happens.” Gil, however, said she will deÀnitely take a much-needed break after her wedding. “Mahabang mahabang bakasyon,” she said.

Are they planning to immediately start a family?

“Tignan natin. Mahirap mag-plano ng ganyan. Kung ano ang ibigay ng Panginoon, doon tayo,” the singer-actress quipped.

1LNNL *LO

Gil has already taken a break from the weekend variety show “ASAP” to prepare for her upcoming wedding.

While they couple have kept mum about the details for their big day, Gil conÀrmed that her close friends from showbiz such as Iya Villania and Shaina Magdayao, will be part of the wedding. Gil and Albert got engaged in December 2014 after more than a year of dating. (MNS)

0DMD *HUDOG¶V PRP PDGH PH IHHO ORYHG Actress Maja Salvador has put an end to the rumors that the mother of Gerald Anderson did not approve of her.

The 27-year-old Salvador revealed that she had a good relationship with Anderson’s mother, Evangeline Opsima, contrary to earlier reports.

“Kasi po nung umpisa—ganoon naman eh nagpaka-nanay. Siyempre sobrang mahal niya ang anak niya,” Salvador said. “Pero noong kami po ni Gerald, inalagaan niya din po ako at naramdaman ko na minahal po niya ako.”

According to Salvador, the misunderstanding stemmed from her and Anderson’s preference to keep things about their relationship private. “Kasi siguro sobrang private lang namin ni

0DMD 6DOYDGRU

Gerald dati,” she said.

It can be recalled that Opsima once asked her son Anderson to “be careful” with Salvador—a statement Anderson himself said was misconstrued. He has since denied that his mother disapproved of his erstwhile relationship.

(MNS)

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MOTORING

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Find out why 2016 Subaru WRX earns IIHS 2015 Top Safety Pick + Award at Subaru of Glendale October 7, 2015 â&#x20AC;&#x201C; Subaru is the only manufacturer with the IIHS TOP SAFETY PICK for all models for six years running (2010-2015).

With the addition of the 2016 WRX, Subaru now has six models that have earned the IIHS TOP SAFETY PICK+ including the 2015 Legacy, Outback, Forester, Impreza and XV Crosstrek models when equipped with optional EyeSight Driver Assist Technology.

Cherry Hill, N.J. - Subaru of America, Inc. announced today that the 2016 Subaru WRX received the 2015TOP SAFETY PICK award and, when equipped with the optional EyeSight Driver Assist Technology, the 2015 TOP SAFETY PICK+ award from the Insurance Institute for Highway Safety (IIHS).

The 2016 WRX achieved the highest possible rating of â&#x20AC;&#x2DC;Goodâ&#x20AC;&#x2122; in the Instituteâ&#x20AC;&#x2122;s crashworthiness evaluations of front small overlap, front moderate overlap, side impact, roof crush and rear impact. The vehicle also received a â&#x20AC;&#x2DC;Superiorâ&#x20AC;&#x2122; rating in the Instituteâ&#x20AC;&#x2122;s front crash avoidance testing. â&#x20AC;&#x153;Safety is a hallmark of the Subaru brand,â&#x20AC;? said Thomas J. Doll, president and chief operating ofĂ&#x20AC;cer, Subaru of America, Inc., â&#x20AC;&#x153;and every year we continue to innovate and improve the safety of all our vehicles. This award is a testament to our commitment of providing customers with the highest level of safety standards.â&#x20AC;?

The rally-bred WRX is powered

by a 268 hp 2.0-liter turbocharged b o x e r four-cylinder engine and is priced at $26,595.

New feat u r e s 6DOHV /HDVLQJ 3URIHVVLRQDO available &KULVWLDQ 0DULOOD RI 6XEDUX RI on the *OHQGDOH 2016 WRX include Blind Spot Detection/ Rear Cross Traffic Alert System with Lane Change Assist, as well as EyeSight with Adaptive Cruise Control, Pre-Collision Braking and Lane Departure Warning.

Now standard on all WRX models is the latest STARLINK touch-screen multimedia system with support for on-screen Pandora, Aha, iHeart Radio, and Stitcher apps from your smartphone. Premium and Limited trims add new 18-inch alloy wheels and front suspension enhancements.

Through September 2015, Subaru has sold 428,702 vehicles, including 25,151 WRX models. This marks the 46th consecutive month of sales growth for Subaru.

July 2015 was the best sales month for WRX in Subaruâ&#x20AC;&#x2122;s history with 3,716 vehicles sold.

For more information about Subaru

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or become a new member of the elite Subaru club, all you have to do is to come on down to Subaru Glendale and our kababayan Christian Marilla will be more than happy to inform you why Subaru is becoming a favorite of Filipi-

nos and the whole American market.

Subaru of Glendale is located at 1308 S Brand Blvd, Glendale, CA 91204. You can reach them at 1-855230-1547 or you can visit their website www.subaruofglendale.net.

&DU VKRSSLQJ WKH QH[W JHQHUDWLRQ Friday October 30 2015 (Relaxnews) â&#x20AC;&#x201C; According to an eBay-commissioned study, strapping on a virtual reality headset will soon be a normal step on the path to choosing and buying a new car.

The one element of the automotive industry that is still largely untouched

by innovation is the actual purchase process. Car companies may have incredibly comprehensive websites and even a burgeoning social media presence, but car shopping is still about going in person to a dealership, talking with a sales assistant and Ă&#x20AC;nally signing on the dotted line.

But it wonâ&#x20AC;&#x2122;t be able to resist the digital or mobile revolution forever. The Future of Automotive Shopping Survey shows that 21% of 18-29-year-olds are already interested in using virtual reality as part of the car-buying journey and that nearly 70% of all respondents already automatically reach for a mobile device to check out a dealerâ&#x20AC;&#x2122;s reputation or to Ă&#x20AC;nd out information about marques or models on the go. â&#x20AC;&#x153;Mobile is increasingly changing the way consumers shop â&#x20AC;&#x201C; whether itâ&#x20AC;&#x2122;s for a vehicle or parts and accessory,â&#x20AC;? said Sree Menon, General Manager of eBay Motors. â&#x20AC;&#x153;Todayâ&#x20AC;&#x2122;s consumers â&#x20AC;&#x201C; especially millennials â&#x20AC;&#x201C; are embracing technology to enhance their own car shopping experiences.â&#x20AC;?

The study of over 1000 US vehicle owners across age groups found that almost one in Ă&#x20AC;ve had already bought a car or truck online within the past Ă&#x20AC;ve years and that younger consumers in particular expect to be able to easily use every type of device and channel available for the clearest possible picture before picking a car.

When asked why, over one third of all consumers said that they turn to the web because unlike a dealership itâ&#x20AC;&#x2122;s always open for business. And, almost three in 10 said that they wanted to avoid having to interact with a real-life salesperson.

Car companies are beginning to test the waters in terms of technologies like VR. Volvo developed a virtual test drive app for use with Google Cardboard when it launched its Ă agship XC90 SUV in the US last November.

Audi, Lexus and Infiniti have also tried out headsets as a way of offering potential customers a more immersive understanding of cars.

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

During the two-day event, journalists and athletes test-drove vehicles on a variety of street, freeway and off-road courses to get a feel for how they perform.

Participants scrutinized livability features including seating, cargo capability, and overall versatility for activities such as camping, sports, and road trips.

“It’s exciting to see the 2016 Outlander resonate so well among this group of active people,” said Don Swearingen, executive vice president of Mitsubishi Motors North America.

“We’ve positioned this vehicle to be both versatile and a good value, so to see the car recognized as such supports our objective to give consumers what they want in a CUV.” In its 12th year, The Active Lifestyle Vehicle of the Year program recognizes cars and trucks that best meet the needs of people with active lifestyles, and give automakers a better understanding of what active individuals seek in their cars and

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

Available with Mitsubishi’s renowned Super All-Wheel Control (S-AWC) system, the Outlander is capable of being pushed to its limits whether on or off the road.

The 2016 Mitsubishi Outlander, with its bold new design and more than 100 improvements, has also been named a Ànalist in the Midsize SUV segment of the 2016 Kelley Blue Book’s KBB.com Best Buy Awards.

The 2016 Kelley Blue Book’s KBB.com Best Buy Awards honor the top new model-year vehicle choices available in the U.S. market.

“With more than 300 new-car models eligible for the 2016 Kelley Blue Book’s KBB.com Best Buy Awards, we are proud to see the Outlander included among the top 49 Finalists as it speaks volumes to where the Outlander stands in the eyes of a vehicle valuation and information source trusted by the industry and consumers alike,” said Don Swearingen, executive vice president of Mitsubishi Motors North

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America. “We set out to transform the Outlander to be a true contender in the space and this recognition indicates we accomplished that goal.”

Winners are chosen at the end of a year-long expert evaluation and analysis of a variety of data, including the vehicle’s pricing/transaction pricing, 5-year Cost-to-Own data (including depreciation, insurance, maintenance, Ànancing, fuel, fees and taxes for new cars), consumer reviews, and vehicle sales/retail sales information.

If you are looking to buy a new Mitsubishi vehicle, three of our kababayans at Glendale Mitsubishi, namely Mark de Leon and Cesar Macandili, are more than willing to

give you the best deal in town, if not in whole Southern California. “Tawagan po kami,“ is their calling. Just dial -1888-397-7397 for 0% rebates up to $4,500, 0 down and no payments till October 2011.

If that doesn’t catch your attention, they also 0% APR Ànancing on other Mitsubishi vehicles including the new 2011 Mitsubishi Lancer ES, the 2011 Mitsubishi Outlander Sport ES and the 2011 Mitsubishi Outlander ES. So tawag na!

Filipinos’ favorite car dealership, Glendale Mitsubishi is located at 1235 S. Brand Blvd., Glen,dale, CA. You can also visit them at www.glendalemitsubishi.com.

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America’s best Selling SUV continues market leadership with introduction of New Special Edition 2016 Honda CR-V Check out the new Honda CR-V 2016 at Diamond Honda of Glendale Oct 6, 2015, TORRANCE, Calif. – After a major refresh for 2015 that brought a new powertrain, significantly enhanced exterior and interior styling and a long list of new standard and available features, the 2016 Honda CR-V returns with a new Special Edition (SE) trim and a lineup with a starting Manufacturer’s Suggested Retail Price (MSRP) of $23,595.1 The new Special Edition CR-V is positioned above the LX trim by adding larger 17-inch alloy wheels with an exclusive two tone finish, second-row and rear privacy glass, and security system. With only an $800 premium over the LX, the SE represents a high-value proposition for the premium look and additional feature content.

In addition to the highly prestigious Motor Trend Sport/Utility of the Year honor, the refreshed 2015 CR-V garnered numerous industry accolades.

These include: 2015 ALG Residual Value Award: Best Compact Utility 2015 Kelly Blue Book Best Buy: Small SUV/Crossover Kelly Blue Book 2015 Top 10 Best Resale Value award U.S. News & World Report, 2015 Best Cars for Families, compact sport utility vehicle award Cars.com/USA Today/”Motorweek” 2015 Compact SUV Challenge winner Parents magazine and Edmunds. com 10 Best Family Cars for 2015, best crossover AutoPaciÀc 2015 Vehicle Satisfaction Award The CR-V is a perennial favorite of American car buyers and at nearly 3.5 million units sold since its introduction in 1997, it is the segment’s best-selling model of all time2. In fact, CR-V is the best-selling SUV over the past two decades3. Since its introduction in October 2014 the refreshed 2015 CR-V has been on a record breaking sales run with nine of the last 12 months being best individual sales months for the model and August ranking as CR-V’s all-time best month with sales of almost 35,000 units. The 2015 model also contributed to the best ever annual sales of over 335,000 CR-Vs sold in 2014. With year-to-date sales through September 2015 far surpassing the same period a year ago, CR-V is poised to set another all-time annual sales record and is on its way to six straight years of sales growth and four straight years of record-setting annual sales. Moreover, CR-V is the best-selling SUV in America to millennial buyers4.

The new Special Edition (SE) trim is positioned between the LX and the EX and is available in front-wheel drive (FWD) and all-wheel drive (AWD) versions. Together with the top-of-the-line Touring version introduced last year that includes the Honda Sensing™ suite of safety and driver assistive technologies, CR-V is now available in 12 trim/wheel drive versions. View, build and price a 2016 Honda CR-V at automobiles.honda. com/cr-v.

Display Audio CR-V includes the 7-inch capacitive touchscreen Display Audio telematics interface. Display Audio, standard on EX and above trim levels, allows the user to tap, pinch, and swipe – just

like on a smart phone or tablet – to control audio and other telematics features, including the available next-generation HondaLink™6 and the Honda Satellite-linked Navigation System™7. All CR-Vs include the full-color “intelligent” Multi-Information Display (i-MID) that offers a range of customizable features via Àngertip controls on the steering wheel.

The CR-V’s audio and telematics systems offer a high level of connectivity, including a standard Pandora®8 interface and SMS text messaging function, Bluetooth®9 HandsFreeLink® phone interface.

Powertrain The 2016 CR-V is powered by an Earth Dreams™ Technology 2.4-liter direct-injected DOHC i-VTEC inline 4-cylinder engine that produces 185 horsepower10 and 181 lb-ft of torque11. The engine is mated to a continuously variable transmission (CVT) that provides smooth, seamless ratio changes and helped the CR-V receive EPA fuel economy ratings of 26/33/29 mpg5 (city/highway/ combined) for front-wheel-drive and

25/31/27 mpg5 for the Real Time AWD models.

Chassis Utilizing optimally tuned front MacPherson strut front and a rear multi-link suspension and features such as Vehicle Stability Assist™ (VSA®)12 and Motion-Adaptive Electric Power Steering (EPS), the 2016 CR-V provides a car-like driving experience, which is enhanced further on the SE and above trims with wider front and rear track dimensions due to wider wheels.

Meanwhile, if you want to belong to the select group of Honda owners, all you have to do is visit the Diamond Honda of Glendale and get in touch

with our kababayans Tito Adriosula, Cruzella Clemente and Orly Roque, who are more than ready to serve you and Ànd you your new Honda Hybrids or any other Honda vehicle and be assured of top fuel efÀciency as well as safety and maintenance.

These are just some of the reasons why Pinoys come to the dealership. Above all, at Diamond Honda of Glendale, customers are treated like Diamonds! That statement is backed up by General Manager Philip Keung, who has endeared himself to Filipino customers because of his professionalism and his recognition and vast understanding of Honda’s multi-ethnic market.

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

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