Weekend Balita March 19, 2016

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BiGuel chooses career over love See ENTERTAINMENT, page 15

VOL. XXIII, NO. 7

LOS ANGELES / ORANGE COUNTY / INLAND EMPIRE

Deguito lawyer alleges AMLC, RCBC ‘cover-up’ MANILA, Mar 17 (Mabuhay) -- The Legal counsel for Rizal Commercial Banking Corp. branch manager Maia Santos-Deguito has accused the Anti-Money Laundering Council (AMLC) of being negligent or even part of “cover-up” when it singled out the RCBC Jupiter branch manager in money laundering charges.

It’s because of this money laundering case filed by the AMLC before the Department of Justice that has prevented Deguito from spilling the beans, lawyer Ferdinand Topacio said in a press statement on Thursday.

The case was filed on Friday, the day Deguito was barred from leaving the Philippines to go to an alleged vacation trip to Japan.

“There is a conspiracy here that boggles the mind involving

extremely wealthy, powerful and well-connected individuals, but we are confident that the Senate will not spare anyone, no matter his or her status and stature in the banking community and in Philippine society, so that the incident under investigation will not be repeated,” Topacio said in a press statement.

Four other individuals charged

by AMLC for alleged violation of the anti-money laundering law were RCBC bank account holders who authorities said may just be using aliases. Bank accounts under the name of Michael Francisco Cruz, Jessie Christopher Lagrosas, Alfred Santos Vergara, Enrico Teodoro Vasquez received the $81 million dirty money wired from the bank account of Bank of See DEGUITO, page 8

March 19 - 25, 2016

THE LEADING SOURCE OF NEWS AND INFORMATION FOR FILIPINO-AMERICANS

RCBC officials fear for lives

RCBC –Jupiter Branch Manager Maia Santos-Deguito takes an oath before testifying during a Senate hearing on the US$81 million money-laundering scandal, at the Philippines Senate on Tuesday. Deguito was summoned to shed light on the Philippines’ biggest anti-money laundering case involving money stolen from the central bank of Bangladesh.(MNS photo)

$81 million laundered money that belonged to Bangladesh ends up in casinos Manila, Philippines | AFP | Thursday 3/17/2016 – A Philippine banker shifted $81 million stolen from Bangladesh’s central bank into various accounts because she feared for her life, her colleague told a parliamentary investigation on Thursday.

Activists hold a picket on Tuesday outside the Commission on Elections (Comelec) criticizing its apprehension in printing voter receipts. The Supreme Court recently issued a resolution mandating Comelec to activate the “voter-verified paper audit trail” to allow confirmation of votes.(MNS photo)

Comelec chief: Polls to push through May 9 MANILA, Mar 17 (Mabuhay) – Commission on Elections chairman Andres Bautista on Thursday said the national elections will push through on May 9, despite its opposition to a Supreme Court decision requiring the poll body to print voter receipts.

Bautista gave the assurance during oral arguments at the SC on the activation of the voter verification paper audit trail (VVPAT) feature of the vote counting machines for the May polls.

The poll body chief gave the comment following a question during interpellation by Associate Justice Marvic Leonen, who wrote the decision on the VVPAT

petition.

“Are you up to the challenge to make sure that even with the receipt, that you will do all you can in order to meet all of these problems? Or are you giving up?” asked the magistrate.

“No. We will do all we can,” responded Bautista.

The poll chief said they will “try our best” to follow whatever decision the high court would render on the VVPAT issue and ensure there will be credible polls.

Leonen pressed further to elicit a categorical answer from Bautista that the elections will push through on May 9.

See COMELEC, page 8

Maia Deguito, manager of the Rizal Commercial Banking Corp (RCBC) branch in Manila’s financial district, could only muster a blank stare when discussing the dirty money, said Romualdo Agarrado, a senior officer in the same branch.

“She just looked at me with a blank stare and said: I would rather do this than get killed, or my family,” Agarrado told the Senate inquiry.

In a scam that shocked the financial world, unknown hackers tried to steal around $1 billion from

Bangladesh’s deposits with the US Federal Reserve in New York on February 5.

They got away with $81 million – sending it to the RCBC branch managed by Deguito – before the scam was uncovered.

Authorities have lost track of the money, with significant amounts believed to have been laundered through Philippine casinos.

Although low-level bank officers in Manila have See $81 MILLION, page 8

Let petitioners appeal SC ruling allowing me to run: Grace Poe BACOOR, Cavite, Mar 17 (Mabuhay) – Senator Grace Poe on Thursday said she is unfazed by the attempt to challenge the Supreme Court’s reversal of her disqualification from the presidential race.

Poe said it is well within the rights of the petitioners in the disqualification case she faced to file an appeal.

“Hayaan mo na. Karapatan nila ‘yon kung gusto nilang mag-file, mag-file sila,” she told reporters at the sidelines of a sortie here.

Poe said she is no longer bothered by the fresh attempt to disquualify her from the presidential race because the Supreme Court already decided in her favor.

“Hindi ako natatakot sa kanila (petitioners) dahil ayan na, naglabas na ng desisyon, malinaw naman ang desisyon na ‘yon ang pumabor sa atin at sinabi

puwedeng tumakbo,” she said.

Voting 9-6, the Supreme Court upheld Poe’s eligibility to run in the May 206 elections.

However, the parties who had sought Poe’s disqualification—lawyer Estrella Elamparo, former senator Francisco Tatad, De La Salle University professor Antonio Contreras, and former University of the East College of Law dean Amado Valdez—have announced their plan to file a motion for reconsideration to overturn the Supreme Court’s ruling.

Poe said it will still be up to the people to decide whom to elect as their next president.

“Kung meron ng desisyon ang ating mga kababayan at bumoto na sila, ‘yan ay pinakamatibay na ebidensiya na ikaw ay tinanggap at wala na silang magagawa doon, at wala na silang dapat gawin pa doon,” she said. (MNS)

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Do I qualify for bankruptcy?

Most people qualify to file bankruptcy under either chapter 7 or 13. If your annual gross family income (including your spouse’s income, unless separated) is not more than the median family income for your state and family size, then you probably qualify to file under chapter 7. You will almost always qualify to file under chapter 13, regardless of your income. (see www.usdoj.gov/ust/eo/bapcpa/ bci_data/median_income_table.htm) Am I required to obtain credit counseling prior to filing bankruptcy?

While you are not required to participate in a debt management or repayment program, you are required to consult with an approved nonprofit budget and credit counseling agency as to your available options before you file bankruptcy. The consultation can be done by phone, over the Internet or in person. Bankruptcy lawyer Paul M. Allen works closely with an approved credit counseling agency and usually makes the necessary arrangements for you in his office.

Am I required to complete a personal financial management training course prior to filing bankruptcy?

No. However, prior to obtaining a final discharge in a bankruptcy case you will have to complete an approved instructional course in personal financial management from an approved non-profit credit counseling agency. The instructional course typically takes less than an hour and can be completed over the Internet or through the mail.

In a Chapter 7 case, the instructional course can wait until 6-8 weeks after your appearance before the bankruptcy trustee, and is required as a condition of discharge of debt.

In a chapter 13 cases, which typically consist of a 60 month full or partial repayment plan, the instructional course will not be needed until the end of that term.

Can I file jointly with my spouse?

Yes, you may file individually or jointly as husband and wife. You may file jointly even if you are currently separated or have filed for divorce, as long as the divorce is not yet final.

Will I have to appear in court?

It is very unlikely that you will ever appear in court or in front of a bankruptcy judge on a chapter 7 bankruptcy.

However, about 4 to 6 weeks after filing bankruptcy you will have to meet with a bankruptcy trustee. The trustee is usually a private practicing attorney appointed by the US Trustee’s office. In some instances, the trustee assigned to your case may be a non-attorney, possibly a licensed accounting professional instead. Of course your bankruptcy lawyer will be with you as well.

A typical trustee meeting lasts about 1 to 3 minutes and is usually held in a meeting room at the bankruptcy court or federal building in your area. The bankruptcy trustee will usually ask you whether everything in your bankruptcy declaration is true and correct, whether you would like to add or change anything in your bankruptcy petition and may ask a fewquestions about your financial situation. This hearing is also referred to as the “Meeting of Creditors”. However, creditors rarely attend a Chapter 7 cases. Approximately 60 days after your meeting with the trustee you should receive your final discharge order in the mail. Your debts will be formally discharged and your bankruptcy proceeding will be closed.

In a chapter 13 case, you will also attend a “Meeting of Creditors” as described above. Sometimes, you may have to attend a second hearing with the trustee to have your payment plan approved, but usually, your attorney handles this appearance for you.

Where will my bankruptcy be filed?

A bankruptcy petition must be filed in the federal bankruptcy court district where you have resided for the majority of the past 180 days.

Will filing bankruptcy affect my ability to obtain credit?

If you already have bad credit, filing bankruptcy will probably not make your credit any worse than it already is.

Your FICO® credit score may initially decrease after your bankruptcy filing but will gradually start to improve after your bankruptcy discharge. This is because the amount of outstanding debt, including current and delinquent accounts, presently appearing on your credit reports will be eliminated or substantially reduced. Approximately 30% of your FICO® credit score is based on the amount you owe on outstanding debt. Debt owed on revolving lines of credit, such as credit cards, negatively impacts your FICO® credit score more than other types of debt.

In order to obtain future credit you will likely need to re-establish a good credit history. This can be done by obtaining one or more secured credit cards, using them wisely and establishing an excellent payment history.

If you reaffirm any existing debts, such as a mortgage or an automobile loan, making your payments on time will also help to re-establish your credit. In most cases, you can re-establish credit in 1 or 2 years. Your ability to obtain credit also depends on various other factors, such as your income, employment history, etc. Some creditors may actually consider you to be a better credit risk after bankruptcy than before because you will essentially be “debt free” and will likely have more disposable income to pay future debts.

How long can a bankruptcy filing appear on my credit report?

A bankruptcy filing can appear on your credit report for up to 10 years.

However, this does not mean that you will have bad credit for 10 years. You can start re-establishing your credit immediately after filing bankruptcy. Even without filing bankruptcy, most negative items appear on your credit report for at least 7 years.

Are there any negative consequences to filing bankruptcy?

Federal bankruptcy laws were established by United States Congress to provide individuals and organizations with a “fresh start” by allowing them to legally eliminate all or a portion of their debts and to start anew. Federal bankruptcy laws were designed to help those in financial distress – not to further burden or hinder them. Despite the many rumors propagated for years by creditors, debt collectors, debt counseling organizations and the like for their own self-interest, there are virtually no negative consequences to filing bankruptcy. To the contrary, various bankruptcy laws have been enacted to ensure that no person is discriminated against because of a bankruptcy filing. By federal law, no person can be denied employment, a student loan or grant, or a license or permit by reason of a bankruptcy filing. If you have good credit and file bankruptcy your credit will, of course, be negatively impacted.

But if your credit is already bad, filing bankruptcy can only improve your life and your ability to re-establish a good credit history.

If you are suffering from financial problems and are considering filing bankruptcy, you should also consider the consequences of not filing. That could be a lot worse!

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Chiz says gov’t should act against land-grabbing Vice-presidential race frontrunner Sen. Francis “Chiz” Escudero said it is high time the government seriously address the problem of land-grabbing and stop individuals or groups from illegally and forcibly taking the land of others, including those owned by overseas Filipino workers (OFWs).

“Land-grabbing involving both public and private lands should be stopped and land grabbers should be dealt with accordingly,” said Escudero, who is running as independent under the banner “Gobyernong may Puso” alongside leading presidential candidate Sen. Grace Poe. Escudero said he received numerous complaints regarding land grabbing, particularly in Antipolo City, where property owners, mostly OFWs, lost their lands by force, intimidation or misinformation.

“Land grabbing seems to be rampant in Antipolo City and yet authorities are not doing anything,” Escudero said, as he lamented that most of the victims are OFWs. “It is unacceptable that the properties

bought by OFWs with their hard-earned money accumulated over the years of working abroad, go away just like that,” he said.

Escudero, meanwhile, vowed to take back all government-owned lands illegally encroached by land-grabbing syndicates and use them for future socialized housing projects, if he and Poe are elected.

“We will retrieve all state lands in adverse possession of land mafias across the country and turn them into housing projects for the poor,” Escudero said.

The veteran lawmaker said such move is necessary in order to address the government’s backlog on socialized housing, which the Housing and Urban Development Coordinating Council estimated to about 5.8 million this year.

The “Gobyernong may Puso” tandem of Poe and Escudero intends to allocate 20 percent, or at least P600 billion, of annual national budget to social services such as education, health, pension and housing.

Ex-Arroyo aide Ermita throws support behind Mar-Leni tandem MANILA, Mar 16 (Mabuhay) – A ranking official during the Arroyo administration has voiced his support to the tandem of former Interior Secretary Mar Roxas and Camarines Sur Rep. Leni Robredo for the May 9 elections. Eduardo Ermita, who served as executive secretary of former President Gloria Macapagal-Arroyo, expressed his support to the tandem during the Daang Matuwid coalition’s sortie in Batangas province. “Mabuhay ang susunod na Presidente ng Pilipinas, ang anak ng dating senador Gerry Roxas at apo ng kauna-unahang Presidente [ng Ikatlong Republika],

Mar Roxas!” said Ermita, a former Batangas congressman.

Aside from being appointed executive secretary, Ermita, a former military official, also served as secretary of the Department of National Defense during Arroyo’s term.

In a chance interview, Robredo said he doesn’t see any conflict with Ermita’s support. “Yung lahat naman ng suporta welcome pero ‘yung importante siguro kahit anong klaseng suporta, hindi nagbabago ‘yung tinatayuan namin,” Robredo told reporters. “At saka paniniwala kasi marami namang sumusuporta na wala namang hinihinging kapal-

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VP Binay admits being affected by allegations, expects more to come VIGAN, Mar 16 (Mabuhay) – Vice President Jejomar Binay admitted Wednesday being affected by the negative stories against him and his family and said he expects more of these in the coming days.

“Paminsan-minsan. Tao rin naman ako e, may feelings naman. Magiging ipokrito naman ako kung ‘di ako maapektuhan. E may damdamin ka. E lalo na’t ang mga sinasabi walang katotohanan,” Binay told reporters in reaction to the corruption allegations hurled against him.

He made the comment after emerging from an interview with a local radio station here.

Binay said he expects more demolition jobs against him and his family as the presidential elections draw near.

“Ah yes, it will intensify. Kasi the more they become insecure, the more they are led to believe that I’m winning. E ‘yun po, ang paninira sa akin at sa aking pamilya ipagpapatuloy,” he said.

The latest issue linked to him is the alleged report of the Anti-Money Laundering Council (AMLC) saying he received billions from infrastructure projects when he was mayor of Makati.

His camp said they are not aware of such a report.

A special team of the Commission on Audit also found Binay liable for the “bloated cost” of the Makati City Hall Building 2, the main subject of a Senate inquiry into corruption allegations against the second highest official in the land.

He believes the corruption allegations were brought up anew because of the presidential debates scheduled on Sunday to be held at the University of the Philippines in Cebu.

“Oo, talagang kasama. Kasama nga sa programming ‘yun e, alam mo, itong paghahanda sa pangalawang debate,” he said.

Asked if he knew who is behind the negative campaign against him, Binay alluded to his political rivals who say that they do not engage in dirty politics.

“Nakakatawa lang e, kasi ‘yung mga nagsasabing sila e ‘di papasok sa mali at maruming pangangampanya e sila ho ang mismong ito paninira, paninira at bintang nang bintang,” he said.

He, however, did not name anyone and instead just laughed.

“O e ‘di alam mo na kung saan pa nanggagaling. E ‘di sa mga katunggali namin sa pulitika. Ang mga katunggali namin... ‘Yun lang ‘yung nagsasabi na hindi siya ganito, hindi siya ganito,” he said.

The vice president said he just resorts to prayers to be able to face the issues against him.

“E dinadamihan ko na lang po ng pagdarasal na ako ho e ‘wag ho ako mawalan ng tiwala sa Panginoon...Ang paninira naman, hindi ho naman ho magtatagal, hindi ho maniniwala ang ating mga kababayan diyan,” he said.

(MNS)

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Duterte vows to execute criminals if he becomes president

By Karl Malakunas

L i n g a y e n , P h i l i p pines | AFP | Wednesday 3/16/2016 – Rodrigo Duterte curses the pope’s mother and jokes about his own infidelities, but many voters in the Philippines want to elect him president so he can honor a campaign pledge to kill thousands of criminals.

Duterte is making a spectacular, obscenity-filled charge towards the presidential palace by selling himself as a ruthless leader willing to bypass the judicial system in an unprecedented war against crime.

“Kill them all,” Duterte, 70, told a cheering crowd of supporters this month at a campaign rally in the small northern city of Lingayen as he outlined his plans to eradicate drug

traffickers.

“When I become president, I’ll order the police and the military to find these people and kill them.”

Such comments are typical fare on the campaign trail for Duterte, who in Lingayen also jokingly gave business advice to those in the crowd to start up funeral parlors in preparation of him winning the May elections.

“The funeral parlors will be packed... I’ll supply the dead bodies,” he said, to more cheers and laughter.

On a previous occasion Duterte, a lawyer, pledged to kill 100,000 criminals and dump so many in Manila Bay that the “fish will grow fat” from feeding on them.

Political courage

Surveys indicate his law-and-order platform, which is a centerpiece of his election strategy, is winning him many fans in a nation bedeviled by crime, corrupt law enforcement agencies and deep poverty.

The long-time mayor of the major southern city of Davao is one of four candidates with a genuine shot at succeeding President Benigno Aquino.

And he is gaining popularity, climbing into second place just four percentage points behind Senator Grace Poe, according to the latest survey by Pulse Asia released this week. “Duterte is really a phenomenon. I like what he is saying,” Clarita Carlos, a political scientist at the University of the Philippines, told AFP. “I like the fact that he has fire in his belly and he is politically courageous.”

His unique form of political courage has extended to insulting Pope Francis, who is revered by many in a nation where 80 percent of the population are Catholics.

In a speech to launch his presidential bid late last year, Duterte described the pope as a “son of a b _ _ _ _” for causing traffic jams when he visited the Philippines.

Duterte, who is in a long-term relationship with a woman after having his first marriage annulled, also admitted then to having two girlfriends.

However Duterte jokingly assured taxpayers they would not foot his mistresses’ bills, explaining he only spent 1,500 pesos ($32) a month on their boarding room rent and saved money by taking them to short-time hotels.

Carlos said voters were willing to ignore his indiscretions as they focused on his track record in Davao, a formerly crime-plagued city that Duterte says he transformed into one of the nation’s most peaceful.

“Never mind he cusses a lot, he is a womanizer. I don’t think that will intrude into his effectiveness as a political leader,” she said.

Duterte also maintains a frugal lifestyle, in contrast with many corrupt Filipino politicians who use the powers of office to enrich themselves.

Death squad fears Human rights campaigners are not enthusiastic about a Duterte presidency, warning he has the track record to back up his rhetoric.

They accuse Duterte of organizing or tolerating vigilante squads that have targeted suspected criminals and street children in Davao, killing more than 1,000 people since the 1980s. For many years Duterte denied the existence of death squads, which were allegedly made up of local policemen, ex-communist rebels and hired assassins.

But Duterte has in recent months said he was involved in them and that rights groups had in fact underestimated the number of people to have been killed.

“They miscalculated...1,700,” Duterte told reporters in December.

That law enforcement agencies have failed to pursue allegations against Duterte is not surprising, according to Philippine Human Rights Commission chairman Chito Gascon.

Gascon told AFP this was part of the nation’s “culture of impunity”, where politicians and powerful figures often get away with crimes.

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PHL advances China sea dispute, other issues with US lawmakers

WASHINGTON, D.C. — Philippine Government officials engaged US legislators on 15-16 March 2016 to mobilize Congressional support for key Philippine advocacies in the United States.

On 15 March, Philippine Ambassador to the United States Jose L. Cuisia, Jr. and Acting Secretary of Justice Emmanuel L. Caparas led the Philippine delegation in separate meetings with Senator Bob Corker (R-TN) and Senator Ben Cardin (DMD), Chairman and ranking member of the Senate Foreign Relations Committee (SFRC), respectively.

The Philippine officials noted the SFRC’s instrumental role in sustaining US interest in the Asia-Pacific region and in giving substance to the rebalance policy.

“The Senate Foreign Relations Committee has been very influential in the decision-making process of the current US Administration. We recognize the considerable impact that the Committee’s initiatives has had on increasing US foreign military financing (FMF) to the Philippines and in ensuring that the United States continues to be engaged in our region,” said Ambassador Cuisia.

Senator Corker observed the importance of raising FMF in view of China’s behavior. On the other hand, Senator Cardin reiterated that while the US maintains its neutrality with regard to the South China Sea dispute, his country takes a strong position against provocative actions.

He also expressed his firm belief in the rule of law and recognized the leadership of the Philippines in de-

veloping a regional Code of Conduct.

Representative Randy Forbes (RVA), a senior member of the House Armed Services Committee and a member of the US-Philippines Friendship Caucus, largely echoed the views of his colleagues in the Senate.

In a statement last 07 March, Rep. Forbes scored China’s recent actions in the South China Sea and reaffirmed the importance of the alliance between the US and the Philippines to the maintenance of peace and prosperity in the region.

“China’s behavior in the Asia-Pacific has undermined regional stability and unnecessarily antagonized the Philippines and other partners in the region. The United States has an obligation under its decades-old security treaty with the Philippines to resist acts of aggression against our ally,” a portion of the statement read.

When they met with Rep. Forbes on 16 March, the Philippine officials expressed appreciation to the Congressman for leading efforts to impel the US Administration to take the necessary steps in safeguarding the rule of law in the Asia-Pacific.

Rep. Forbes expressed the opinion that the United States needs to be more present in the South China Sea and that joint patrols would be “hugely important, helpful and useful.”

The Philippines’ campaign to combat trafficking in persons was likewise discussed with the Senators.

Senator Corker remarked that TIP, commonly described as “modern-day slavery,” should not have a place in today’s world.

Philippine officials led by Ambassador Jose L. Cuisia, Jr. Acting Secretary of Justice Emmanuel L. Caparas, and Defense Undersecretary Pio Batino engaged with Senator Bob Corker (R-TN), Chair of the US Senate Foreign Relations Committee, on 15 March 2016 in Washington, D.C.

Al Gore warns: Climate change may bring stronger typhoons to PHL MANILA, Mar 16 (Mabuhay) – The Philippines may face stronger typhoons due to warmer temperatures, US Vice President Al Gore said Wednesday in a Climate Reality Project forum in Manila.

“Warmer oceans makes oceanbased storms much stronger,” Gore said. He explained that 93 percent of the heat trapped in the atmosphere due to excessive carbon emission heats the ocean.

“Supertyphoon Yolanda crossed over parts of the Pacific Ocean that were three percent warmer than normal and it became the most powerful and most destructive storm to ever make a landfall,” Gore said.

One of the strongest typhoons recorded to make landfall, Yolanda killed over 6,000 people and affected

over a million families in November 2013. Last Saturday, Gore went to visit Tacloban City, one of the places that suffered the greatest damage due to the typhoon.

Gore explained how warmer temperature evaporates more moisture in the atmosphere, leading to longer – and more powerful – precipitation, leading to more flooding especially in areas with particularly low elevation.

“If we put much more water vapor in the sky and much more heat in the atmosphere, every storm is going to be different,” Gore said, “We have more storms yet we have longer droughts.”

He pointed out that Philippines is the country with most number of weather-related disasters, with 328 calamities recorded from 1994-2013.

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What creditors can do when you don’t pay Have you been sued or threatened to be sued by a creditor for an outstanding debt that you couldn’t pay?

What are you doing about it?

Serious debt problems can put your financial security at risk. I am always perplexed as to why people wait until things get worse before taking action. For example, if you have just been sued by a creditor, the best time to find out what your options are is NOW, not after the creditor has obtained a judgment against you. Why is this important?

If you are already pulling your hair out just trying to make ends meet with your limited income, how much more painful would it be if your salary got garnished? Or what if the creditor emptied your bank account by doing a bank levy when you least expected it? Can you live on less income and still keep the lights on? If you are a homeowner, the judgment creditor can also place a lien on your property. This makes the creditor a “secured creditor” and the lien becomes an “encumbrance” on your property.

What this means in layman’s terms is that if you ever decide to sell your house in the future, you will need to pay the judgment amount in full, plus all the interest that has accumulated since the lien was recorded.

Pretty convenient for the creditor, don’t you think? Like money in a savings account that earns interest, they just wait for the day you sell your property so they could collect on their investment.

Now if you have several creditors and they all got judgments and filed liens against your property, the lien amounts could potentially exceed your equity in the property at the time of the sale. This could make it IMPOSSIBLE for you to sell your property especially since you still

have to pay your real estate broker.

Is this what you want to have to deal with when the time comes? Thus, your home which you had originally thought to be “a good investment” turns out to be worthless!

But what happens if you have no assets? Well, if you’re unemployed and own nothing, maybe you can tell the creditor to go “pound sand”.

In legal parlance, you may be “judgment-proof”.

What this means is that although the creditor has a judgment against you, it may be worth no more than the paper it’s written on if the creditor is unable to collect. Thus, you may have to put up with the harassing phone calls and the nasty collection letters (In some cases you may also be called to appear in court for something called a “debtor’s examination”, in which case, a bench warrant for your arrest may be issued if you ignore it.

Sorry, but you can’t mess with the judge!) Other than that, if you own nothing, obviously, there’s nothing to lose.

The reality, however, is that most

Sen. Guingona wants casinos covered by anti-money laundering law MANILA, Mar 15 (Mabuhay) -Hours before the Senate blue ribbon panel starts probing into the $81 million money laundering scheme involving Philippine entities, panel chairman Senator Teofisto Guingona III said the Anti-Money Laundering Act of 2001 has had its share of loopholes. “‘Yung casinos dapat mapailalim sa batas,” the senator said.

The $81 million supposedly stolen by cyber criminals from the Bangladesh central bank’s account in the Federal Reserve Bank of

New York was transferred in early February to Rizal Commercial Banking Corporation (RCBC) and was moved out of the Philippines and into various accounts abroad.

“Importante po ito sapagkat hindi ito ordinaryong money laundering, napakalaki na, nakaw pa,” Guingona noted.

“May mga checks and balance ‘yan na hindi sinunod,” the senator emphasized.

Bank accounts opened at the Jupiter branch of RCBC in Makati city, under the name of Filipi-

no-Chinese businessman William Go, were used supposedly used in the money laundering scheme.

The branch manager Maia Santos-Deguito alleged that she opened the accounts under Go’s name on orders of a certain Kim Wong.

Lorenzo Tan, RCBC president and CEO, said Santos-Daguito violated the bank rules and procedures.

Santos-Deguito, along with other bank officials, will appear before the Senate blue ribbon committee hearing as resource person.

people at least have a job and that is all a creditor needs to know before proceeding with a lawsuit. Once you’ve been sued, things could get ugly pretty fast. If you have a bank account where you keep what little savings you have and where your paycheck gets direct-deposited, the creditor could take all your money in one fell swoop and you’d be scratching your head trying to understand what just happened.

Since 1997, I have helped thousands of clients get out of debt. Let me help you determine if bankruptcy is right for your situation and/or if other options are available. Call Toll-Free 1-866-477-7772 to schedule a free office consultation. We have offices in Los Angeles, Glendale, Pasadena, Cerritos and Valencia.

(None of the information herein is intended to give legal advice for any specific situation. Atty. Ray Bulaon has successfully helped more than 5,000 clients get out of debt. To schedule a free attorney consultation, please call his law office at TOLL FREE 1-866-477-7772. .

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Atty. Linda Sarno: ‘A good and faithful servant’ “His master replied, ‘Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things.

Come and share your master’s happiness!’ Matthew 25:21 Linda Sarno will be missed. She went to join her Creator early this month after gallantly and stubbornly battling a sickness. Her faithfulness with her God-given gifts has been rewarded aptly with her being put “in charge of many things that her Master undoubtedly has found pleasure and happiness in”.

In her lifetime, Linda wore so many hats that bore her emblem of excellence and commitment. Among the enviable hats she donned were that of being a U.S. Patent Attorney and a chemist with a multinational corporation with both fields being beneficiaries of her intellectual gifts that she harnessed to the fullest.

She was an indefatigable community organizer who approached her tasks with consistent passion that has served as a model for community involvement. Her pioneering attribute resulted in spearheading the formation of organizations where

she served unselfishly in various capacities .

Her advocacies for the small business, the environment and other worthy concerns had earned for her many accolades which inspired her more to commit herself to various issues that redound to the betterment of the community where she operated. Among the honors reaped on her include the Business Advocate of the year 2005 by the Small Business Administration, Lions Club 2007 Citizen of the Year Award, the Southern California Leadership Award for 2010 and Community Heroes Award of 2011. She was also the Outstanding Thomasian Chemistry Alumni during the 400th anniversary of her alma mater, the University of Santo Tomas.

As a tireless community leader

Six million Americans have lead-tainted water in homes, schools: report Washington, United States | AFP | Thursday 3/17/2016 – Some six million Americans have drinking water tainted with higher levels of lead than allowed by US federal guidelines, the USA Today reported on Thursday.

With the nation focused on a major crisis in Flint, Michigan, where lead from aging pipes leached into the municipal water supply, the newspaper launched an investigation which found higher than acceptable lead levels in about 2,000 water systems across the United States.

Tainted water was supplied to hundreds of daycare centers and schools, the report said.

Children are the population most vulnerable to the pernicious effects of lead, a toxin which affects the neurological system and can lead to permanent learning delays and behavioral problems.

Higher than allowed lead levels were found in all 50 US states, USA Today reported.

A sample of water drawn from one elementary school in Maine found lead levels some 42 times higher than the Environmental Protection Agency limit of 15 parts per billion, while a preschool in Pennsylvania recorded lead levels 14 times higher than allowed.

An elementary school in Ithaca, New York tested earlier this year showed 5,000 parts per billion of lead—a level so high it met the federal Environmental Protection Agency’s designation for “hazardous waste.”

More than 8,000 children in Flint, economically devastated by shutdowns and layoffs in the car industry, were exposed to lead for more than a year before the tap water contamination was uncovered by citizen activists.

The news report was published as Michigan Governor Rick Snyder prepared to appear Thursday before a congressional oversight committee probing the Flint crisis.

Linda Sarno, you will be missed: The Filipino American communities in Orange County and Los Angeles County lost a great advocate in the person of Linda Sarno who joined her Creator on the first week of February. She left behind a lasting legacy of a life well-lived. She is shown at extreme left in this file photo at the celebration of her birthday and the baptism of her granddaughter.

of both the Asian Business Association of Orange County and the Filipino American Chamber of Commerce, Linda will be remembered for establishing an Advisory Board composed of corporate sponsors and Filipino-American entrepreneurs in Orange County in 2000 and bridging the community and the Chamber through the Fil-Am Outreach Day to showcase Fil-Am businesses, culture and the culinary pride of the Philippines.

Even in the midst of her physical affliction, Linda pioneered the holding of environmental awareness

event at the Annual Business Opportunity Day to promote the advantages of Green Technology, health and conservation.

For the past seven years, FACCOC has been very active in encouraging and promoting the green movement by providing a venue for exhibitors, participants, cities and government agencies, sponsoring corporations, representatives from the utility companies, sellers of ‘green’ or eco-conservation products, and consumers. For Linda, much has been entrusted and much more had been delivered.

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DEGUITO From page 1

Bangladesh with the Federal Reserve Bank of New York last Feb. 5. The money was consolidated in the bank account under the name of businessman William Go – who vehemently denied ownership of the account and accused Deguito of setting this up and being part of the scheme – moved out to other banks and found its way to local casinos and other entities.

The lawyer, however, alleged that RCBC head office was trying to cover up for “certain” bank officials.

“Our client invoked her right to remain silent and against self-incrimination during the last Senate hearing — although we were ready to tell all at that time – because the Anti-Money Laundering Councill (AMLC) filed a case against her the previous day.

We view as suspicious the timing, and the fact that aside from our client and alleged fictitious persons, AMLC did not file a case against other bank officers notwithstanding evidence of their possible complicity in money-laundering. AMLC either did not do its homework, or is trying to protect certain persons by engaging in selective prosecution,” Topacio said.

Topacio said Deguito had requested for an executive session because in the public session – with media and AMLC representatives present, among others – there may be statements made under oath that may be used against her in the pending criminal case.

“Since the penalty she faces is seven to fourteen years imprisonment, the Constitutional safeguards in her favor must be invoked to protect her rights, including the right to be presumed innocent. Therefore, we shall request the Senate Blue Ribbon Committee to exclude the AMLC representatives, since they are the accusers of our client,” Topacio said.

Topacio accused RCBC of trying to cover up for certain bank officials, alleging that

the internal investigator had come from ACCRA Law Office, and the lawyers of Lorenzo Tan were also from ACCRA Law. “We cannot thus be assured of an impartial inquiry within RCBC. Likewise, it was only Ms. Deguito who was suspended, although there are allegations against Mr. Tan, who remains bank president and hence in a position to delete emails, shred documents and influence or intimidate lower-ranking bank officials who may know matters regarding the alleged money-laundering transaction,” Topacio said.

The lawyer called on RCBC president Lorenzo Tan to immediately resign, citing the need to “emulate the sense of delicadeza of the president of the Bank of Bangladesh” and protect the reputation of the Philippine banking system. He claimed that the latter was “already under a very dark cloud of doubt.”

“For whatever it may be worth, we apologize to the people of Bangladesh for whatever harm this incident may have caused them,” Topacio said.

In questioning the integrity of RCBC’s internal probe, Topacio was referring to Francis Lim of Angara Abello Concepcion Regala & Cruz Law Offices (ACCRA) and Maria Cecilia Fernandez-Estavillo, head of legal and regulatory affairs at RCBC. Based on a March 14 timeline submitted by RCBC to the AMLC, Deguito had expected the big inflow and facilitated the speedy withdrawal, apparently with some help from co-workers within the Jupiter branch of RCBC. But Lim had said the board committee investigating the matter was composed of members representing the major stockholders. The committee is being assisted

by SGV auditors and external lawyers from another law firm, the Poblador Bautista Reyes – not ACCRA, Lim said.

Last Friday, Lim said the RCBC pres-

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ident had offered to go on leave to give the bank a “free hand” in investigating the alleged money laundering issue involving its Jupiter branch in Makati and its branch

manager. “The bank’s board thanked him for his gentlemanly and decent gesture but said their trust in him is intact and unshaken,” Lim said.(MNS)

$81 MILLION From page 1

been implicated, no-one yet knows who was behind the heist.

Acting on a request from the US Federal Reserve, RCBC headquarters issued an order to recall the $81 million from Deguito’s branch on February 5.

But on that day, Deguito transferred $66 million to accounts of ethnic Chinese businessman William Go, RCBC legal affairs head Maria Celia Fernandez-Estavillo told the Senate hearing on Thursday.

Estavillo said the remaining $15 million was transferred to another account, which she did not identify. Agarrado also said Deguito approved a 20-million-peso ($430,000) withdrawal from one of Go’s accounts, which he helped to load into her car. Agarrado said he knew something was wrong, but he did not report it to his superiors because he was “overcome with fear.”

Pressed by senators, Deguito denied being afraid for her life but declined to elaborate unless she could speak privately.

The senators then began a classified session to hear her testimony.

Go’s lawyers told an earlier Senate hearing that he had not set up the account, and that his signature was forged.

Estavillo, the RCBC legal head, told the Senate on Tuesday the $81 million eventually ended up in the account of Philrem, a foreign exchange brokerage.

Philrem President Salud Bautista told Tuesday’s hearing $30 million was transferred to a casino junket operator who is of Chinese descent.

The rest of the money was transferred to Philippine casinos, $29 million to Bloomberry Resorts, which operates the Solaire mega-casino in Manila, according to the anti-money laundering council.

Another $21 million was transferred to Eastern Hawaii Leisure, which operates a casino that caters to a mainly Chinese clientele in the sleepy northern province of Cagayan, it said.

COMELEC From page 1

“You will do your utmost, given your exemplary capabilities, to make credible elections and that there will be no postponement of the elections,” asked Leonen.

Bautista replied: “You can rest assured that we will do our best given the circumstances.”

Earlier on Thursday, Solicitor General Florin Hilbay told the SC that the requirement for voting receipts would impose a “substantial unanticipated burden” on the Comelec, as well as on teachers manning the polling precincts.

Speaking during the oral arguments,

Hilbay said that while printing receipts would result in a “marginal” improvement, it would still be burdensome and make the elections vulnerable to cheating.

Hilbay said just the on-screen verification feature of the machines would already add 2.5 hours on the durations of the polls.

Printing receipts would push the timeline for conducting the poll further by another 2.5 hours. He however assured the justices that even without printing receipts, the Comelec is reasonably confident about its ability to perform its statutory and constitutional mandate on May 9. (MNS)

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Vaccine against dengue virus is 100 percent effective: study

By Kerry Sheridan

M i a m i , U n i t e d States | AFP | Wednesday 3/16/2016 – An experimental vaccine against dengue, the world’s most common mosquito-borne virus, was 100 percent effective in early trials and could speed up the pace of a vaccine against Zika, researchers said Wednesday.

Dengue – which is in the same family of flaviviruses as Zika – infects some 390 million people each year in more than 120 countries of the world.

Dengue symptoms are often mild, but more than two million people annually develop dengue hemorrhagic fever – which can involve severe headaches, pain behind the eyes, rash, pain in the joints, muscles or bones pain, and leaking blood vessels.

More than 25,000 people die of dengue hemorrhagic fever each year.

“Knowing what we know about this new vaccine, we are confident that it is going to work,” said lead author Anna Durbin, associate professor in International Health at the Bloomberg School of Public Health at Johns Hopkins University.

“And we have to be confident: Dengue is unique and if you don’t do

DOH dispels reports of rise in microcephaly incidence

MANILA, Mar 14 (Mabuhay) – The Department of Health on Monday dismissed rumors about an alleged rise in the incidence of infants with microcephaly in the Philippines.

The assurance comes amid concerns about the threat posed by the mosquito-borne Zika virus raging in Latin America.

There is nothing alarming about the statistics regarding babies who have an abnormally small head compared to their bodies, said Health Secretary Janette Garin.

“Kung meron mang microcephaly na nandito sa Pilipinas, hindi ito alarming at hindi ito biglaang nagbago as of the current moment in the parts of Luzon,” she said in a press conference.

Garin is trying to dispelling reports that cases of microcephaly have doubled and even tripled in the country, particularly at the Dr. Jose Fabella Memorial Hospital in Manila and other government hospitals in Luzon.

Although microcephaly has been linked to Zika virus, the Health secretary said the birth defect has several potential causes, many of which remain unknown.

Among the common causes of microcephaly are: infections in the womb, including Zika virus; consumption of undercooked meat by pregnant women; rubella; herpes; Cytomegalovirus; HIV infection; genetic abnormalities such as Down syndrome; severe malnutrition during fetal life; and extreme stress experienced by the expectant mother.

In addition, Garin said microcephaly may also result from pregnant women’s exposure to heavy metals such as arsenic and mercury, alcohol, radiation and smoking.

Absence of symptoms While there is no surge in the number of babies with microcephaly, the DOH official advised pregnant women to be wary of mosquito bites, citing the absence of symptoms in 80 percent of those infected with Zika virus.

it right, you can do more harm than good.”

Four strains The vaccine candidate, known as TV003, was tested in a group of 48 people—half of whom received the vaccine, with the other half given a placebo.

TV003 is made by researchers at the US National Institutes of Health (NIH) from a mixture of four weakened but live viruses, targeted to each of the four serotypes of dengue.

Six months after vaccination, the two groups were exposed to a weakened form of dengue serotype 2 virus, the hardest of the four dengue strains to prevent.

Previous research on TV003, which has been in development for 15 years, had shown it worked well at preventing dengue 1, 3 and 4 viruses.

However, the “portion of the vaccine that was designed to prevent dengue 2 did not induce as strong an immune response in people as the other three components,” said a statement from Johns Hopkins.

This time, researchers looked beyond antibody response “for the evidence of actual infection: virus in

the blood, rash and low white blood cell count.”

Of the 41 people that remained in the study until the end, none of the 21 who were vaccinated showed any evidence of dengue.

The 20 in the placebo group all had dengue virus in their blood. Eighty percent of them developed a rash, and 20 percent showed lower white blood cell counts, suggesting their bodies were fighting an infection.

The study was done in the United States, where dengue does not circulate in the population.

This helped researchers identify the vaccine’s effectiveness in people who had not been previously exposed to any strain of dengue.

“The findings from this trial are very encouraging to those of us who have spent many years working on vaccine candidates to protect against dengue, a disease that is a significant burden in much of the world and is now endemic in Puerto Rico,” said Stephen Whitehead, of the NIH’s National Institute of Allergy and Infectious Diseases.

A larger, phase III trial of TV003 began last month in Brazil. It is one of

several candidate vaccines currently in clinical trials.

Zika virus Researchers said their findings may assist in the development of a vaccine against Zika, which has been linked to surge in birth defects in Brazil.

Top US health experts have said a vaccine against the mosquito-borne disease will take years to develop.

“We think that this is a tool that can really accelerate vaccine development, it’s a tool that we think can be extrapolated to others flaviviruses,” said Durbin.

“We hope to do this with Zika virus. There’s an urgent need for a Zika vaccine.”

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Fashion Week LA introduced LouLou Couture ‘s “feminine and timeless” designs The recent introduction of LouLou Couture at the Los Angeles Fashion Show held at the posh Traxx Restaurant inside the Union Station on Monday March 14th, was a milestone journey for creative fashion designer Lou Razon, who showcased quite a selection of her ultra “feminine and timeless” designs.

Born and raised in Manila, she initially attended the University of Santo Tomas College of Fine Arts, majoring in Interior Design, but transferred to Assumption College, where she graduated with a Bachelor of Arts in Interior Design. Further on, she pursued her studies in Fashion and CAD Design at the then California Design College, which is currently known as the Art Institute of California.

Armed with a Fashion Design Certificate, Lou Razon luckily had opportunities in mastering her craft, by working with topnotched fashion designers such as Tadashi, David Meister and Black Halo.

Lou’s passion in creating her own fashion brand made her open up her first design shop in the highly - populated Filipino community of West Covina in 1997, where she focused on custom, original, “one-of-a kind” creative fashion designs for the growing selective Filipino clients in the LA area. However, after four years in that location, she decided to be more centrally accessible, not just to Filipinos but to the general fashion-conscious public as well, so she relocated her shop in 2001 to its current location in Glendale.

Though creating fashion designs for the public has made her successful in an ongoing career in itself, Lou was challenged by her mission to somehow

Fashion DesignerLou Razon

contribute her creative talent to help assist various noble non-profit foundations, by producing fashion shows.

So in 2010, she started producing charity fashion shows, benefitting non-profit organizations such as: The American Cancer Society, ABS-CBN Foundation, “Walk With Sally,” BKP California, Assumption Missions and APOGLA’s “Tots For Kids.”

Finally, by 2011 Lou realized the need of young Filipino women to learn to assert themselves and be competitive in furthering their carreers, so she founded the Miss Philippines USA and produced her first MPUSA beauty pageant in May of 2012. She

One of Lou Razon’s models at the ramp on Fashion Week LA

Gracing the ramp is one of Lou Razon’s models. Photos by LOUIE GARCIA

then has subsequently produced yearly pageants, celebrating her 5th year this 2016.

In her mission to be of assistance in promoting Filipino arts and culture, Lou Razon has recently accepted the role of Project Director of the Filipino Festival and the Ms Filipinotown events, which are sponsored by the Historic Filipinotown Neighborhood

Council.

Lou encourages young women to showcase their Filipino culture by participating in these truly youthful community events.

Meanwhile, our hats off to Lou for promoting Philippine fashion not only in the Filipino community but to the mainstream market as well. Mabuhay ka Lou and more power to you!

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Tax time tips and reminders, courtesy of Wells Fargo Forgetting about tax deductions or credits can be costly. It’s important to tell your tax preparer about your expenses, gifts and retirement plan contributions to help lessen your tax bill. Even if you prepare your own tax return, begin gathering this information now. Here is a “Top 10” list of tax tips that can easily slip your mind.

Note: The IRS forms and publications noted on this page can be found at www.irs.gov. Be sure to review the 2015 version of these documents.

1. IRA Contribution Deduction Have you told your tax preparer about your IRA contributions for 2015? Investors commonly forget to mention this fact unless they make the contribution near the time they actually file the tax return. A Traditional IRA contribution must be reported on your tax return, whether or not it is deductible.

2. Foreign Taxes Paid If you invest in foreign securities, you may have had to pay foreign withholding tax to another country. In this case, you may be able to claim the taxes paid as an itemized deduction on Form 1040 Schedule A or claim the taxes paid as a foreign tax credit on Form 1116. For many investors these amounts are small and easily overlooked.

3. Points Paid on New or Refinanced Mortgage If you purchased a home or refinanced the loan on your current home in 2015, the points (prepaid interest) you paid may be deductible as mortgage interest. Refer to IRS Publication 936 to check your eligibility.

4. Health Insurance Premium Tax Credit If you purchased health insurance through the Health Insurance Marketplace in 2015, you may be eligible for the premium tax credit. To claim the credit or reconcile advance payments of the credit, file IRS Form 8962 with your income tax return.

The Marketplace is required to provide IRS Form 1095-A no later than Jan. 31 to assist you with claiming the credit.

5. Tax Benefits for Education There are many deductions and credits available to taxpayers who have education related expenses.

These expenses may have been reported to you on IRS Form 1098-T. To determine which credit or deduction is most beneficial to you, refer to IRS Publication 970 for a complete list.

This publication will also help you with reporting and taxation of withdrawals from a 529 plan or Education Savings Account.

6. Charitable Contribution Deduction Not all charities send a confirmation statement or letter of your gift when the contribution is less than $250. Review your check records or credit card statements for any forgotten charitable donations. If you took a qualified charitable distribution (QCD) from your IRA in 2015, be sure to review the instructions for Form 1040 to properly report this type of IRA distribution.

7. Medicare Taxes for High Income Taxpayers High income taxpayers must consider additional Medicare taxes when filing their income tax return. A 0.9% tax applies to compensation and net self-employment income that exceeds $200,000 for a single person ($250,000 for joint filers). IRS Form 8959 is used to report this tax. Taxpayers with modified adjusted gross income above these same thresholds may also owe an additional 3.8% on the lesser of their net investment income or the amount by which their modified adjusted gross income exceeds the relevant threshold. The IRS has created Form 8960 to calculate and report this additional tax.

8. Extending Your Tax Return In some cases you may not have all of the information needed to complete your income tax return by the April deadline.

For example, if you have investments that report tax information to you on a Schedule K-1 instead of Form 1099, you may not receive your Schedule K-1 until after the return due date.

If this is your situation you may consider filing Form 4868 to receive an automatic 6-month extension of time to file your return. However, this is an extension of time to file, not to pay. Your must pay your tax due by the original due date.

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Faulty printer implicated in $81-M Bangladesh bank heist

By Sam Jahan

Dhaka, Bangladesh | AFP | Wednesday 3/16/2016 – A printer fault at Bangladesh’s central bank meant that overseas queries about suspicious transactions went unanswered, according to a report seen by AFP Wednesday on the $81 million cyber heist that sent shockwaves through the banking world.

The report, filed to police on Tuesday, recounts the events leading to the discovery of the dramatic theft from an overseas account of Bangladesh Bank.

It says that because of a printer and software problem, it took the Bangladesh central bank nearly four days to ask banks across the globe to halt payments to the hackers.

They tried to steal around $1 billion and got away with $81 million from the impoverished country’s coffers.

Central bank governor Atiur Rahman and two of the deputy governors have lost their jobs over the scandal, which has hugely embarrassed the government and raised alarm over the security of the country’s foreign exchange reserves of over $27 billion.

On Wednesday the government, which has said it was kept in the dark about the losses for weeks, also removed its most senior banking official M. Aslam Alam from his position.

The hackers managed to transfer $81 million on February 5 – a Friday, when Bangladesh Bank is closed – from its account with the Federal Reserve Bank of New York, transferring the cash electronically to accounts in the Philippines.

In the report seen by AFP, the bank’s joint director Zubair bin Huda said engineers were unable to fix the printers until February 6, a day after the New York bank sent queries about four separate transactions.

“Since such glitches happened before, we thought it was a common problem just like any other day,” Huda said in the report.

Bangladesh Bank tried to contact New York on February 6 by email, fax and phone to ask that the transactions be suspended when it realised that the SWIFT interbank messaging system which it normally used was not working properly, Huda said.

“We realised that the SWIFT system being ineffective was an important issue, and therefore we sent an email to Federal Reserve Bank of New York at 1:30pm on February 6 to halt all types of payment processing,” he said.

If elected, Poe says she will remove Abaya, Henares, Alcala MANILA, Mar 16 (Mabuhay) – Senator Grace Poe said she would not retain the heads of at least three departments—the Department of Communications and Transportation (DOTC), the Bureau of Internal Revenue (BIR) and the Department of Agriculture (DA) should she get elected president in the upcoming elections in May. DOTC is being headed by Secretary Joseph Emilio Abaya, BIR is being headed by Kim Henares while DA head is Secretary Proceso Alcala.

Poe has long been calling for Abaya’s resignation or dismissal from his post.

“I think it’s pretty obvious, DOTC

is one of them, BIR, Agriculture to name a few,” Poe said, responding to a question during an open forum at the 2016 Presidential Dialogues in Makati.

“I think I just created more enemies now. I’m used to it,” she added.

Before this, Poe said she has already a few people in mind that she plans to retain some current Cabinet members.

“But with all dues respect, I should not even mention their names yet because I’ve not asked them formally,” she said.

“I don’t want to be presumptuous at this point but I have a few people in mind already,” Poe added. (MNS)

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Victims of domestic violence can terminate a lease on written notice to the landlord A tenant may terminate his or her tenancy on written notice to the landlord that the tenant, or a household member, is a victim of domestic violence, sexual assault, stalking, human trafficking or elder or dependent adult abuse. Civil Code § 1946.7 Likewise, a landlord may terminate (or decline to renew) a tenancy after the tenant has provided written notice that the tenant, or a household member, is a victim of domestic violence, sexual assault, stalking, human trafficking or elder or dependent adult abuse where (a) the tenant allows the restrained person to visit the property or the landlord reasonably believes the restrained person’’s presence poses a physical threat to

others or to a tenant’’s right to quiet possession and (b) the landlord previously gave three days’’ notice to the tenant to correct the violation. Code of Civil Procedure § 1161.3(b).

Code of Civil Procedure Section 1946.7 provides (a) A tenant may notify the landlord that he or she or a household member was a victim of an act that constitutes an act of domestic violence as defined in Section 6211 of the Family Code, sexual assault as defined in Section 261, 261.5, 262, 286, 288a, or 289 of the Penal Code, stalking as defined in Section 1708.7, human trafficking as defined in Section 236.1 of the Penal Code, or abuse of an elder or a dependent adult as defined in Section 15610.07 of the Welfare and Institutions Code, and that the tenant intends to terminate the tenancy. (b) A notice to terminate a tenancy under this section shall be in writing, with one of the following attached to the notice: (1) A copy of a temporary restraining order, emergency protective order, or protective order lawfully issued pursuant to Part 3 (commencing with Section 6240) or Part 4 (commencing with Section 6300) of Division 10 of the Family Code, Section 136.2 of the Penal Code, Section 527.6 of the Code of Civil Procedure, or Section 213.5 or 15657.03 of the Welfare and Institutions Code that protects the tenant or household member from

further domestic violence, sexual assault, stalking, human trafficking, or abuse of an elder or a dependent adult. (2) A copy of a written report by a peace officer employed by a state or local law enforcement agency acting in his or her official capacity stating that the tenant or household member has filed a report alleging that he or she or the household member is a victim of domestic violence, sexual assault, stalking, human trafficking, or abuse of an elder or a dependent adult. (3)(A) Documentation from a qualified third party based on information received by that third party while acting in his or her professional capacity to indicate that the tenant or household member is seeking assistance for physical or mental injuries or abuse resulting from an act of domestic violence, sexual assault, stalking, human trafficking, elder abuse, or dependent adult abuse.

The notice to terminate the tenancy should be given within 180 days of the date that any domestic violence restraining order or police report. If notice to terminate the tenancy is provided to the landlord, the tenant shall be responsible for payment of rent for no more than 14 calendar days following the giving of the notice.

The tenant shall be released from any rent payment obligation under the lease or rental agreement without penalty. Civ. Code, § 1946.7.

This provision is particularly helpful in a divorce situation where the spouse who is the victim of domestic violence is a signatory to the rental agreement and the victim spouse wants to move out of the apartment or house. This situation is not limited

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to divorcing couple. This provision can also be applied to unmarried couples and roommate situations where one of the roommates is a victim of domestic violence, sexual assault, stalking, human trafficking, or elder or dependent abuse. The domestic violence perpetrator does not even have to reside with the victim.

However, in order to avail of the benefit of this statute, the domestic violence victim should strictly follow the procedures for providing notice to the landlord under the statute.

Please note that this article is not legal advice and is not intended as legal advice. The article is intended to provide only general, non-specific legal information. This article is not intended to cover all the issues related to the topic discussed. The specific facts that apply to your matter may make the outcome different than would be anticipated by you.

This article does create any attorney client relationship between you and the Law Offices of Kenneth U. Reyes, APLC. This article is not a solicitation.

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

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Client seeks Chapter 7 relief again for $48 credit cards Who said that, first is chance, twice is coincidence and third is habit? I have two new clients who are actually previous clients. The first is 55 and she filed jointly with her husband 12 years ago for chapter 7 relief of credit card debt. To tell you the truth, I still remember mostly everything about client and her husband one and a half decades ago. At that time, my main office was on Figueroa and 2nd street in downtown LA, and it was just the next building from where the bankruptcy trustee hearings were being heard. I would just walk with clients from my office to the hearing.

That was so convenient. Creditor reps would pass by my office for coffee after the hearings and talk about reaffirmation, and possible objection to discharge of claims. Creditor would sometimes show me the pattern of credit card usage of the last month, and say look, debtor’s income is only so much; how in the world can he pay his credit card debt, implying that there was some kind of fraud and absence of intent to pay for credit card debt inferred from insufficiency of income. Or, sometimes creditors would offer to keep the credit line open despite bankruptcy.

I remember this client clearly because her husband was a famous sports personality and actually held a world champion title in his sport.

World champions are rare indeed, few and far in-between, and they stand out from the regular Joe or Mary. At that time, they had racked up about $60K of credit card debt. The minimum payment of $1,800 was putting a lot of strain on their finances. So, they opted for a fresh start without the $60K credit cards. A fresh start is what they got on the financial side, but husband had other personal problems, and addiction to alcohol was one of them. When you start with beer for breakfast, beer for lunch and beer for every hour of the day and night, your liver just cannot process the alcohol quick enough. When push comes to shove, cirrhosis of the liver is the result after a decade and a half more of this kind of drinking. That’s when the whites of your eyes turn yellow, then you know you’ve met the end of your drinking days because you will soon die because your liver doesn’t work anymore.

Client tells me that her husband died two years ago from too much drinking. He just could not stop. He literally drank himself to death. What a sad way for a world champion to die. Once an epitome of good health to such an extent he become a world champion but he ends up dying the

sad death of a drug addict. What a change of fortune. He had the background to be productive for the rest of his life just by teaching kids in his community how and what it takes to become a world champion like himself. This would be maximizing his God given talents. But alas, the “spirit is willing but the flesh is weak� – This is what Jesus said to Peter as He agonized on that night thinking about what He had to do to fulfill the will of God the Father, to redeem mankind from the consequences of sin. He said of his anticipated torture and death on the cross, Jesus prayed to the Father as He perspired blood, “Father, if it is possible that I pass on this cup, but nevertheless, Thy will be done, not mine!�

Client managed to get a divorce just a month before husband died, so technically she was not a widow.

At any rate, client’s new credit card debt post fresh start 15 years ago, now reached $48K. So since this is her second time to seek a fresh start without debt, it’s just a coincidence.

It’s not yet a habit. But client is such a positive outlook in life, her second fresh start, includes a new husband!

She remarried last year. Our God, Adonai, and His one and only Son who died for ours sins, blesses her indeed!

My second old & new client filed a Chapter 13 case to cure arrears in his house 20 years ago. At that time, there was still the 6-month rule concocted by the bankruptcy judges in the central district of California to protect mortgage holders from debtors who file a 2nd Chapter 13 case. If debtor filed a 2nd Chapter 13 case, he would have to bring to the first hearing of creditors, all of the mortgage payments due in the last 6 months. So, if the mortgage is $2K a month, debtor would have to bring $12K in certified funds to be paid to mortgagee. For most debtors who were even having a hard time paying one mortgage payment, the 6-month rule, pretty much rooted out a lot of debtors from being able to get to second base. Client was one such debtor. He got hit hard with the 6-months rule. But fortunately for him, the first mortgage on which he had arrears went bankrupt, and the bank that took over the loan did not surface for a very long time. I believe

Jury convicts ‘skimming’ Studio City resident of credit card fraud LOS ANGELES – A federal jury has convicted a Studio City man of possessing more than 1,400 credit card profiles that had been stolen from consumers who used gas pumps with “skimmers� that illegally collected their credit card information.

Koren Robert Kechedzian, 24, of Studio City, was convicted on March 11 in United States District Court of two counts of credit card fraud (specifically, two counts of possession of 15 or more counterfeit access devices) and two counts of aggravated identity theft.

At the conclusion of a one-week trial, the jury found that Kechedzian possessed two USB flash drives –

which are commonly called “thumb drives� – that contained stolen credit card information.

The portable drives were found at Kechedzian’s residence when federal authorities executed a search warrant in June 2013. At that time, investigators also recovered an illegal skimming device designed to be installed in gas station pumps to steal credit card data. “As credit card thieves use increasingly sophisticated technology to access consumer data, consumers must be more vigilant in protecting their financial information and keeping a close eye on their transactions,� said United States Attorney Eileen M. Decker.

the new bank did not appear for 3 or 4 years. By that time, debtor had set aside enough funds to get current on his mortgage and all went well for him until recently when he retired.

He’s now behind 4 months on the mortgage. Now, Chapter 13 again is required to help him cure the default.

He will be give 5 years to pay the default in 60 equal monthly installments, thus protecting his house from foreclosure.

Again, this is client’s second time, so it’s just a coincidence. It’s not yet habit. Judas betrays Jesus with a kiss; “ The man I shall kiss is the one; arrest Him and lead Him away securely. He came & immediately went over to Him and said, ‘RABBI’.

AND HE KISSED HIM. AT THIS, THEY LAID HANDS ON HIM AND ARRESTED HIM.� MARK CLIENT

SEEKS CHAPTER 7 RELIEF AGAIN FOR $48K CREDIT CARDS; CLIENT SEEKS CHAPTER 13 PROTECTION AGAIN FOR DEFAULT ON RESIDENCE_lv Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in Law practice for thirty years.

He specializes in Bankruptcy, Business and Civil Litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally.

Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, MAILSTOP 58, BUILDING A-1 SUITE 1125, Alhambra, CA 91803 OR at 20274 Carrey Road, Walnut, CA 91789.

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OPINION

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PHL hackers siphon laundered money Pope slams governments reported $81 million money launderwho close doors to migrants ingThe scandal has placed the country in a very Vatican City, Holy See | AFP | Wednesday 3/16/2016 – Pope Francis on Wednesday slammed governments who close their doors to migrants in comments that came as the European Union seeks to close the Balkan route into its territory.

The leader of the world’s Roman Catholics called for a more compassionate approach to “people living through a real and dramatic exile, far from their countries, with the ruins of their own homes still in their eyes, fear in their hearts and often suffering from the loss of people dear to them.

“How is it possible that so much suffering can be inflicted on men, women and innocent children,” the pope said at his weekly audience in St Peter’s square.

These people “are there, at frontiers because so many doors and so many hearts are closed.”

Francis has regularly spoken out on Europe’s migrant crisis. Last month he praised Greece’s efforts in seeking to deal with the huge influx of people in a humanitarian manner and said other European countries should help to share the burden.

The pope has also urged every Catholic parish in the region to take in at least one asylum-seeking family. The Vatican is currently hosting two families.

The migrant crisis will dominate a summit of European Union leaders in Brussels on Thursday.

White House race: What is a brokered convention?

Washington, United States | AFP | Wednesday 3/16/2016 – Republican delegates – designated during the presidential primary process – will choose the party’s candidate for the November election at a nominating convention in Cleveland in July.

But frontrunner Donald Trump’s rivals are hoping to prevent him from achieving the majority of delegates needed to seize the prize – a situation that would result in a brokered convention.

According to Republican party rules, each US state and a handful of territories send a certain number of delegates to the convention to elect the White House nominee. The rules for choosing those delegates vary from state to state.

In Florida, for instance all 99 delegates went to Trump as the winner of Tuesday’s primary, while in New Hampshire, delegates were awarded on a proportional basis.

Over the course of the primary campaign, each candidate amasses delegates. For the past four decades, the frontrunner has always reached the magic number needed to win the nomination.

This year, that number is 1,237 – the majority of the 2,472 delegates in play.

But the strength of resistance to Trump’s candidacy, still opposed by rivals Texas Senator Ted Cruz and Ohio Governor John Kasich as well as the bulk of the Republic establishment—makes it possible that he may fall short.

If that were to happen, the outcome would be what is known as a brokered convention in which the delegates – who normally play a purely symbolic role, effectively rubber-stamping the results of the primaries – acquire a critical influence over the nomination.

bad light as far as the international banking community is concerned.

As of this writing, the Philippine government has no idea how the huge amount of money has been withdrawn from a local branch of RCBC in Makati without the knowledge of banking officials and the Bangko Sentral ng Pilipinas.

The Philippine government should exert every effort to unmask the perpetrator of the crime and to find out if some RCBC officials were involved in the heist. The earlier government officials will be able to unravel the mystery behind the incredible heist, the better to placate and assure bank depositors that their accounts are safe.

It was reported in the papers that the $81 million was wired to four RCBC accounts under the names of Enrico Vasquez, Alfred Vergara, Michael Cruz and Jessie Christopher Lagrosas.

Bank officials from Bangladesh who attended a Senate investigation regarding the disappearance of the $81 million, told lawmakers that computer hackers stole the money from its account deposited at the Federal Reserve Bank of New York.

Police authorities should start looking for the four Filipinos who had an active bank accounts with RCBC to help solve the mystery of the stolen money or go after one William So Go who allegedly got the “loot” when it was deposited on his account after it was withdrawn from the RCBC branch office on Jupiter street in Makati. Maia Santos Deguito, the RCBC branch manager has refused to issue a statement, most probably out of fear that she might incriminate herself in the crime, or she is protecting the interest of higher RCBC officials.

In the Philippines, we do not only have cheaters, liars, plunderers.

We now have computer hackers. Maybe they can also go into the computer system of Comelec to ensure that either Senator “Poequino Llamanzares or Mar Roxas will emerge victorious in the May elections.

Defense Secretary Voltaire Gazmin and other officials of the Department of National Defense (DND) have been charged with plunder before the Office of the Ombudsman in connection with the multi-billion chopper deal.

Let us wait and see if Ombudsman Conchita Morales, a known stooge of President Aquino, will immediately act on the case or, at least, suspend the officials facing charges to prevent them from destroying any evidence pertaining to the aborted deal.

The plunder charges were filed by Rhodora Alvarez, an employee of the Bureau of Internal Revenue.

Alvarez testified in a Senate hearing two years ago, claiming that DND and Air Force officials colluded to allow their favored contractor to bag the negotiated contract worth P1.25 billion for the purchase of 21 refurbished Huey combat helicopters.

When the story about the alleged collusion came out, Gazmin and his “associates” scrapped the deal to avoid embarrassment and prosecution.

Ombudsman Morales has been known to sit on all criminal cases involving KKK and close friends and relatives of the President.

Take the case of dismissed former PNP Chief Alan Purisima.

Corruption charges were filed against him for almost a year now, yet nothing has been done about his case.

Purisima is a disgrace not only to the Philippine National Police (PNP) but also to Freemasonry, one of the oldest fraternal organizations in the world. Purisima used to be the Grandmaster of the Freemasonry in the Philippines before his dismissal.

White House race: What is a brokered convention?

W a s h i n g t o n , U n i t e d States | AFP | Wednesday 3/16/2016 – Republican delegates – designated during the presidential primary process – will choose the party’s candidate for the November election at a nominating convention in Cleveland in July.

But frontrunner Donald Trump’s rivals are hoping to prevent him from achieving the majority of delegates needed to seize the prize – a situation that would result in a brokered convention. According to Republican party rules, each US state and a handful of territories send a certain number of delegates to the convention to elect the White House nominee. The rules for choosing those delegates vary from state to state.

In Florida, for instance all 99 delegates went to Trump as the winner of Tuesday’s primary, while in New Hampshire, delegates were awarded on a proportional basis.

Over the course of the primary campaign, each candidate amasses delegates. For the past four decades, the frontrunner has always reached the magic number needed to win the nomination.

This year, that number is 1,237 – the majority of the 2,472 delegates in play.

But the strength of resistance to Trump’s candidacy, still opposed by rivals Texas Senator Ted Cruz and Ohio Governor John Kasich as well as the bulk of the Republic establishment—makes it possible that he may fall short.

If that were to happen, the outcome would be what is known as a brokered convention in which the delegates – who normally

play a purely symbolic role, effectively rubber-stamping the results of the primaries – acquire a critical influence over the nomination.

For the first round ballot, party rules oblige delegates to back the candidate to whom they were pledged in the primaries.

Those tied to candidates no longer in the race, such as Marco Rubio and Jeb Bush, would not vote.

But based on the results of the primaries, that first round would not produce a majority, and the vote would go to a second round.

“The majority of states free their delegates after the first ballot,” explains Josh Putnam, a lecturer in the department of political science at the University of Georgia and a campaign expert. That means those delegates could change their votes—and may gravitate towards an alternative candidate.

Rare occurrence Such a situation is possible because in a bit less than 75 percent of US states, the selection of convention delegates is done without input from the candidates themselves, Ben Ginsberg, a former Republican National Committee lawyer, told MSNBC. The delegates are chosen in local party conventions over the coming months. So, a Trump delegate could choose to vote for Kasich or Cruz in an eventual second round.

According to The New York Times, 57 percent of the delegates would be freed up to change their votes in the second round, and 81 percent would be freed up in a third round. There is no limit on the number of rounds before a candidate earns a majority.

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ENTERTAINMENT BiGuel chooses career over love Miguel Tanfelix and Bianca Umali have been love team partners for about four years now and are good friends even off-cam. Many would think they’d be looking to take their friendship to a romantic level but the young stars insist they want to focus on their respective careers.

Bianca and Miguel, known to many as BiGuel, first made their mark as a love team when they were paired on the 2012 fantasy series “Paroa.” The team up was so successful GMA decided to pair them again on “Niño” (2014), “Once Upon A Kiss” (2015) and now, “Wish I May.” Asked why he is not pursuing Bianca, Miguel said, “Wala naman pong pumipigil sa akin na manligaw sa kanya pero kasi sunod-sunod ’yung binibigay sa amin na shows ng GMA. So, sa amin ni Bianca blessings ’yun at dapat ’yun ang tutukan namin.”

What if some other guy decides to take initiative, we asked him.

Miguel simply said, “Kung saan siya magiging masaya, okay na rin ako.”

Apparently, Miguel doesn’t believe in mixing work and romance. “Kasi, halimbawa, paano kung mag-a-away kayo sa set? Eh ’di magiging apektado ’yung trabaho,” he explained.

On her part, Bianca shared, “’Di ko pa po iniisip ’yung mga ganyang bagay kaya ’di ko pa po alam. Sa ngayon work muna para sa family.”

Apparently, Bianca is not the jealous type, even when her partner has been making hearts flutter here and abroad.

Miguel made a splash in Indonesia last year when a magazine there, Sumatera Ekspres, featured him in an article titled “Sisi Lain Raja Dubsmash Filipina.” Writer M. Julheri said they choose to feature Miguel because Indonesian girls find him “cute.”

Bianca maintained, “Okay lang naman sa akin ’yun. Basta work talaga ang focus ko sa ngayon.”

Meanwhile, the two are enjoying their friendship more than ever. The two got even closer after a vacation in Pagudpud, Ilocos Norte, and Vigan, Ilocos Sur, with their families early this year. “Habang nandu’n kami, lagi ni Bianca hawak ’yung camera niya. Photography na po hobby niya ngayon,” Miguel shared.

He has been giving Bianca gifts, among them a pet dog named Juno, and Stephen King’s book “The Bazaar of Bad Dreams.” Bianca gave Miguel a camera.

Aside from their respective showbiz careers, both are also busy with their studies. Miguel is a first year college student at the De La Salle University-Dasmariñas taking up Entrepreneurship, while Bianca is still in Grade 9 at the Veritas Parochial School.

Miguel admitted he sometimes skips class because of tapings. “Minsan kinakausap ko ’yung professor ko kung ano ang pwede kong gawin para makabawi or minsan online na lang,” he said.

Bianca, meanwhile, is into baking pastries. “Sa ngayon for fun lang siya.

Miguel Tanfelix and Bianca Umali

Pero baka gawin ko pong business kapag nakapag-aral na ng Culinary Arts,” she said. She also hopes to study Interior Design in the future.

TV series’ director Neal del Rosario only has praises for Miguel and Bianca.

“Marami na rin akong nakatrabahong love teams eh, pero sila ’yung pinaka-makatotohanan. Iba ang magic nila kasi nakikita ko din sa kanila ’yung innocence,” he said. He hopes the series would last another year or more.

“Wish I May” tells the love story of childhood friends Tristan (played Miguel) and Carina (Bianca), who eventually find themselves falling in love with each other. However, conflict starts when they discover the past relationship of their parents, Olivia and Clark, played by Camille Prats and Mark Anthony Fernandez, respectively.

The series also stars Alessandra de Rossi, Glydel Mercado and Mark Herras, among others, “Wish I May” airs weekdays on GMA-7. (MNS)

16

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2016 Mitsubishi Outlander is IIHS’ ‘Top Safety Pick’ Cypress, Calif., December 10, 2015 – Mitsubishi Motors North America, Inc. (MMNA) announced today that its redesigned and reengineered seven-passenger crossover, the 2016 Outlander, has been named an IIHS TOP SAFETY PICK+ with the availability of Forward Collision Mitigation*. The Insurance Institute for Highway Safety is an Alex Jacinto independent non-profit scientific and educational organization that researches, performs evaluations, and assesses safety ratings in crash testing of production vehicles.

“Since its redesign in 2014, the Mitsubishi Outlander with available Forward Collision Mitigation has been an IIHS TOP SAFETY PICK+,” said Don Swearingen, executive vice president, MMNA. “With over 100 improvements from the previous model year, the 2016 Outlander truly serves as an ambassador for the brand’s dedication to superior safety and reliability.”

George & Luci purchased 2015 Mitsubishi Outlander Sport SE from Alex Jacinto (inset) Filipino Fleet Manager of Puente Hills Mitsubishi.

Standard safety features found on the Mitsubishi Outlander include seven air bags, Active Stability Control with Traction Control Logic, Tire Pressure Monitoring System, and Anti-lock braking system (ABS) with Electronic Brake-force Distribution and Brake Assist. Additional available features include Forward Collision Mitigation, Lane Departure Warning and Adaptive Cruise Control.

Unlike previous model years where advanced safety features were only available at the highest trim level, Mitsubishi has created the SEL Advanced Safety Package to make these features available at a more attainable price point on lower trim levels. The 2016 Outlander SEL is available for $26,545 and features Forward Collision Mit-

igation, Lane Departure Warning, Adaptive Cruise Control, rain-sensing windshield wipers, power folding sideview mirrors, auto on/off headlights and front wiper de-icer.

The 2016 Mitsubishi Outlander was launched last August and sales in first four months were up 97 percent over the same four months of the prior year.

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Best used cars now available in the market for less

By Jon Linkov Consumer Reports

Not everyone enjoys poring overused-car classifi ed ads to fi nd that hidden gem. Even our experts find the hunt through bad cars to be the worst part of the buying experience.

An easier solution: Simply determine your budget and choose a vehicle from our lists of the best used cars.

We dug through years of test data and hundreds of thousands of survey responses, and cross-referenced those metrics with the availability of electronic stability control, a lifesaving safety feature.

The best of the best used car models can be accessed at consumerreports. org.. Each model performed well in our road tests when it was new and had above-average reliability for the model years shown.

In addition, each vehicle offered ESC as a standard or optional feature.

We also included a list of used cars you should avoid considering because they proved to be particularly troublesome and unreliable.

Of course, even for used cars we recommend, there can be stinkers – due to a bad day at the factory or a former owner who didn’t care much for car maintenance. Before you buy, make sure to pay for a thorough inspection by a certifi ed mechanic, so there are no surprises down the road.

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Call now. The Cars 911 experts are waiting for you. You can reach them at (323) 222-2400. Cars 911 is located at 2244 N. San Fernando Rd., Los Angeles, CA 90065. Mention our ad here in this edition of Weekend Balita and you will be treated with utmost care.

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How much would you save on taxes if you buy a house or rent one?

I ask a realtor/CPA locally and she gave me this hypothetical scenario.

Houses are expensive here, and people make a lot of money, so it can be assumed that they’re state income taxes are about the same as the standard deduction (or more). I figure the average effective tax rate at 33% (with 9.3% Est Ca. tax). So, per $100K borrowed, interest and taxes are about $7K/year times 33%, equals $2,333, or 2.333% annual tax savings on the mortgage amount.

So, in real terms, $500,000 mortgage times 2.333% is about $12K per year in tax savings.

Should I buy a condo instead of a house, since home prices are much higher?

When you buy a condo you need to be extra careful. Condos are not separate properties that a bunch of people own, but a large property owned by a bunch of people. As such they are self-governing either professional y or by home owners andyou will pay for maintenance necessary based upon the monthly fees collected, but sometimes these associations don’t manage money well and as a result they make special assessments on the other owners when something needs fixing. You need to make sure you check out the condos books before you make an offer to see if they have a history of such assessments.

First I suggest you go to Yahoo real estate, they have various tools to help you determine what you can afford as far as purchase price. Secondly I suggest you talk to a Realtor because as a buyer you have everything to gain and nothing to lose (usually) because their commissions are paid by the seller (shared with the sellers agent) but they are solely looking out for your best interest (the honest once ) and know what to look out for to keep you out of a court room and will help you from paying too much. At the very least they will be able to inform you what the monthly maintenance fees are.

IF you are financing the mortgage, your

lender has set guidelines as to what to look for in a condo project. For instance, ratio of homeowners occupy versus rental units are a big factor, homeowners delinquent on HOA dues will be important, another key factor is if there is enough reserve funds with the HOA for emergency repairs or a minor catastrophic. The major question before going into a condo is to find out if there is a litigation with the HOA between homeowners, builders or management.

Condo’s appreciate as much as homes so if that is all you can afford now, you should do your due diligence and consider a condo.

General Rule for removing PMI from your mortgage payment!

It will come off automatically when the value gets to 78% of sale price or appraised value at time of purchase, whichever is less. When you think it is at 80% you can contact your servicer & tell them you want an appraisal done. If it appraises to put you at 80% LTV PMI can be removed.

As I said, this is a general rule. Not all companies are created equal.

Call your service provider to find out exactly what their parameters are. Do not pay anything without finding out.

You cannot have any late payments on your mortgage either. It was put into law several years ago that PMI must be removed when the LTV gets to 78%... regardless what some of the people on here are saying. Same with FHA loans & MIP for loans originated after the date the law went into effect. But I have yet have anyone call me jumping up and down saying their PMI has been

removed.

There are about 4-5 popular PMI companies that lenders use MAGIC, Radian, Genworth to name a few. They have different guidelines as to how long you have to keep paying PMI until you have the option to request removal.

Did you notice what I wrote: “Request Removal�? That is why I seriously don’t think that there is a supposedly “Law� that your lender will automatically remove your PMI when the Loan To Value reaches 78%.

Usually home owners will opt to refinance and maybe at the same time lower the rate of cash our funds. That would be a smart way of doing while getting rid of PMI. But please call your servicers if your only purpose to remove PMI and go thru the process and hopefully that will prove me wrong.

Is there a conflict of Interest if the Realtor referred a lender to me?

Usually Realtors will want you to work with their preferred lender to have a little more handle over the situation, the job of the lender should not be bias regardless of whom referred them to you.

But I would always recommend for borrowers to educate themselves by getting a second opinion from another lender. Your agent is not suppose to get any kickbacks or monetary reward for referring you to their lender, that would be against the law. The only conflict is if your Realtor is also your lender and they did not disclose on the contract or final closing documents. I would not keep too many eggs in one basket.

Thanks so much for all your support and inquiries. Please call Ken Go of 1st Innovative Finance Group at 562-5087048 or write to Kennethgo@verizon. net. Thanks BRE 01021223 NMLS 238636

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MOTORING

Raymond Orosa makes owning a Mercedes-Benz an easy feat “We do have a bad reputation. The two professions that people don’t like are attorneys and car salesmen, because off-the-bat, people think that they are going to be cheated by them. But not all of us are like that.” Fleet Sales Manager Raymond Orosa of Mercedes-Benz of Encino opens up.

“It’s about selling (yes), but it’s not about selling to them today – if they’re not ready.

You don’t push them. You may close a sale by doing that but it’s not a ‘buyer for life,’ (that sale) ends there. I don’t go for one-hit wonders. I go for you, your brother, your sister, your friends. Eventually, I don’t have to call people anymore because people call me – that should be your goal,” he said.

Of all the right things about Orosa; a risk-taker, an artist and a people-lover, his take on client-dealer relationship and his bedrock principle is the rightest: he is not your typical “car salesman.”

Orosa has been with Mercedes-Benz for 10 years. Having sold roughly 2,500 cars in his lifetime – and only with Mercedes-Benz – the man clearly has car-selling down to a fine art.

He won “Salesman of the Year” numerous times and is known for going above and beyond the norm of client service.

“I deliver cars...pick up their cars for service...I’d lease a car so that when I pick up their car they’d have a loaner car – I do things differently,” Orosa adds.

Orosa’s face lit up when he spoke about his favorite thing about the job. “(It’s) the people,” Orosa uttered in a heartbeat. “I love helping people. You help as

Photo: Angel Tahimik

many any people as you can and the rest st keep on.There’s one rule I follow: low: you don’t think about out the money you u make.

It will

come.

If you genuinely nely help people e by giving them sufficient information, they see that and they come back to you.”

Car Salesmen are stereotyped negatively for this reason: the typical “car salesman”will try to win you over at all cost in the shortest amount of time

Hyundai ranks No. 1 in Brand Keys Customer Loyalty Index Fountain Valley, Calif., Mar. 15, 2016 – For the seventh year in a row, Hyundai is ranked No. 1 in the automotive category in the Brand Keys Customer Loyalty Index. Brand Keys, a New York–based customer loyalty and engagement consultancy, publishes this annual syndicated study, which examines customers’ relationships with 635 brands in 72 categories.

“Psychologists say that seven years is a mark that a friendship will last a lifetime.

It’s also the seventh year in a row that Hyundai has been named #1 in our customer loyalty and engagement index,” said Robert Passikoff, founder and president, Brand Keys.

“When you’re a brand that can build that kind of emotional engagement, and a company that can build cars that meet high expectations, you can count on customers being your friends for a long, long time.

We congratulate Hyundai for the great job they’ve done and will undoubtedly continue to do.”

And if you would like to check out why Hyundai is among the best selling cars, call our kababayans Jun Milan or Jay Trinidadand Mark Dadivas Filipino Sales & Leasing professionals at Win Hyundai of Carson at 1-888718-7473. Better yet, drive down to Win Hyundai and feel the luxury of Sonata first-hand. Win Hyundai is conveniently located at 3462 N Peck Road, El Monte, CA 91731 in San Gabriel Valley and at 2201 East 223rd St. in Carson, CA 90810.

Filipino-American car salesman has sold 2,500 cars – all Mercedes Benz automobiles

possible.

However, a few of them would try to earn your trust, take time and work along your pace – not theirs. They are not your typical car salesman, and one of

them goes by the name of Raymond Orosa. You can reach him at 828.536.2413 or go toMercedes-Benz of Encino at 16721 Ventura Blvd., Encino, CA 91436.(Angel Tahimik)

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Lease for

$ 1488 total due at signing

$ 1488 total due at signing

$ 1488 total due at signing

$ 1488 total due at signing

$ 1488 total due at signing

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

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

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

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

On approval of credit. Plus tax and license. $0 security deposit. .20 cents per mile excess of 12k mile per year.

MSRP $20275, 36 month lease of $176 per month plus tax with $1488 drive off. .15 per over mileage.

MSRP $23725, 36 month lease of $186 per month plus tax with $1488 drive off. .15 per over mileage.

MSRP $17425, 36 month lease of $198 plus tax with $1488 drive off. .15 per over mileage charge.

MSRP $25945, 36 month lease $198 per month plus tax with $1488 drive off. .15 per over mileage charge.

MSRP $30300 , 36 month lease of $246 per month plus tax with $1488 drive off. .20 per over mileage.

Price plus goverment fees and taxes, any finance charge, any dealer document processing charge, any electronic filing charge any emissions testing charge. Offer expires on May 2, 2016.

Worry-F Free Pre-O Owned d In nven ntory Sale 04 Mini Cooper

2004 BMW 530i

VIN:WMWRE33434TD88760 Stock#: S4TD88760

VIN: WBANA735X4B809418 Stock#: M4B809418

$6,294

$7,981

2011 Nissan Altima Hybrid

2012 Honda Civic LX

2010 Honda Accord LX 4dr

2012 Toyota Corolla S

VIN: 1N4CL2AP6BC123336 Stock#: TBC123336

VIN: 2HGFG3B53CH555056 Stock#: TCH555056

VIN: 1HGCP2F30AA195701 Stock#: TAA195701

VIN:5YFBU4EE6CP041395 Stock#: TCP041395

$11,682 $11,991 $11,991 $12,991 1435 East 223rd St. Carson, CA 90745

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

Conveniently located within 10 minutes from anywhere in the South Bay

2014 Honda Accord LX VIN:1HGCR2F30EA150094 Stock#: PEA150094

2009 Lexus LS 460 4dr Sdn RWD VIN:JTHBL46F295090690 Stock#: T95090690

$18,991 $21,982

24

Visit www.Balita.com

Weekend Balita, Sat.-Fri., March 19 - 25, 2016

Balita

Tax Season Savings!

Come take advantage of these specials with nothing down but your TAX refund!

Good Credit, Bad Credit, No Credit, NO PROBLEM!!!

2016 016 Chevrolet

Lease for only

Cruze ruze L Limited imited 1LT

$

49

2016 Hyundai

Lease for only

Elantra GT

$

89

per month plus tax

per month plus tax

1 at this offer at each location

1 att this offer G7149951 36 month onth closed end lease on above average approved credit. credit $3795 customer c cash plus $500 Cap Cost Reduction (must finance through GM Financial) plus $1000 Chevrolet Conquest Program (Household member must be a current registered non-GM Owner/Lessee to qualify) equals $5,295 total drive off. No security deposit.

Leasse responsible for excess wear and tear and mileage at 20¢ per excess mile after 30,000 total miles. Based on above average credit, not all customers qualify, see dealer for details.

2016 Chevrolet

LEASE FOR ONLY

Malibu Limited LT

$

109

36 month closed end lease on above average approved credit. $3,399 customer cash plus $3,000 Lease Cash (must finance through Hyundai Motor Finance) plus $500 Valued Owner Coupon (Customer must be a current registered owner of a Hyundai vehicle may not be combined with Competitive Coupon) equals $6,899 total drive off. No security deposit. Leasse responsible for excess wear and tear and mileage at 20¢ per excess mile after 30,000 total miles. Based on above average credit, not all customers qualify, see dealer for details.

2016 HyundaI

LEASE FOR ONLY

Veloster

$

per month plus tax

36 month closed end lease on above average approved credit. $2995 customer cash plus $4085 Cap Cost Reduction (must finance through GM Financial) plus $1000 Chevy Conquest Program (Household member must be a current registered non-GM Owner/Lessee to qualify) plus $500 Select Model Rebate equals $8580 total drive off. No security deposit. Leasse responsible for excess wear and tear and mileage at 20¢ per excess mile after 30,000 total miles. Based on above average credit, not all customers qualify, see dealer for details.

LEASE FOR ONLY

Camaro 1LT Coupe

$

179

GU283978 EL MONTE GU285011 CARSON

1 at this offer at each location

36 month closed end lease on above average approved credit. $3399 customer cash plus $2750 Lease Cash (must finance through Hyundai Motor Finance) plus $500 Valued Owner Coupon (Customer must be a current registered owner of a Hyundai vehicle may not be combined with Competitive Coupon) equals $6649 total due at signing. No security deposit. Lessee responsible for excess wear and tear and mileage at 20¢ per excess mile after 30,000 total miles. Based on above average credit, not all customers qualify, see dealer for details.

2016 Hyundai

LEASE FOR ONLY

Sonata SE

$

1 at this offer at each location

1 at this offer G0140583 36 month closed end lease on above average approved credit. $3875 customer custom cash plus $1000 Chevrolet Conquest Program (Household member must be a current registered non-GM Owner/Lessee O to qualify) equals $4875 total t t l drive d i off. ff No N security it deposit. d it Leasse L responsible ibl for f excess wear and tear and mileage at 20¢ per excess mile after 30,000 total miles. Based on above average credit, not all customers qualify, see dealer for details.

“Hanapin nyo lang po ako!”

Jun Milan

Filipino Sales & Leasing

GD 6W $ODPH

H :LOPLQ JWRQ $ Y

-2/@<96/> ( UG 6W

/RQJ %HDFK )Z\

( &DUVRQ 6W

+DUERU )Z\

CALL 1.888.484.3809

Filipino Sales & Leasing

6DQ 'LHJR )Z\

GH325717 CARSON GH294460 EL MONTE

36 month closed end lease on above average approved credit. $3399 customer cash plus $3000 Lease Cash (must finance through Hyundai Motor Finance) plus $500 Valued Owner Coupon (Customer must be a current registered owner of a Hyundai vehicle may not be combined with Competitive Coupon) plus $500 Sonata Loyalty Cash (must be the current registered owner/lessee of a 2011 or 2012 Hyundai Sonata) equals $7399 total due at signing. No security deposit. Lessee responsible for excess wear and tear and mileage at 20¢ per excess mile after 30,000 total miles. Based on above average credit, not all customers qualify, see dealer for details.

“Tawagan nyo lang po kami!”

Freddy Salanguit

99

per month plus tax

per month plus tax

Visit us online at www.winchevrolet.com 2201 E 223rd St. Carson, CA 90810

89

per month plus tax

1 at this offer GF111968

2016 Chevrolet

GU299119 EL MONTE GU303850 CARSON

“Winner kayo dito!”

“Madali kaming kausap!”

Jay Trinidad

Mark Dadivas

Filipino Sales & Leasing

Filipino Sales & Leasing

Visit us online at www.winhyundaicarson.com 2205 E 223rd St. Carson, CA 90810

CALL 1.888.718.7473

Balita Weekend Balita, Sat.-Fri., March 19 - 25, 2016

L o s

A n g e l e s

â&#x20AC;¢

Visit www.Balita.com

S a n

G a b r i e l

V a l l e y

â&#x20AC;¢

Glendale Mitsubishi

S a n

F e r n a n d o

25

V a l l e y

Looking for great deals?...

EASTER

CAR-HUNTING SPECIAL !

Available here!!

NEW 2015 MITSUBISHI

NEW 2015 MITSUBISHI

OUTLANDER SPORT SE

OUTLANDER SPORT ES AUTOMATIC

AUTOMATIC

LEASE FOR 35 Payments of

$

219

*

$

MSRP $21,995 + TAX 12K MI/YR

Drive off ................................. $999 Holiday Bonus Cash ...............-$500

239

1 At This Lease Payment 15 in Stock (Stock# 50448)

$499

TOTAL DRIVE OFF

*

MSRP $23,645 + TAX 12K MI/YR

Drive off ................................. $999 Holiday Bonus Cash ...............-$500

2 At This Lease Payment (Stock# 50449,50456)

$499

LEASE FOR 35 Payments of

TOTAL DRIVE OFF

*All special leases are based on A-Tier Credit through Ally Bank. $OO SD\PHQWV DUH SOXV WD[ ͤUVW SD\PHQWV OLFHQVH DQG DFTXLVLWLRQ IHHV LQFOXGHG LQ OHDVH

*All special leases are based on A-Tier Credit through Ally Bank. $OO SD\PHQWV DUH SOXV WD[ ͤUVW SD\PHQWV OLFHQVH DQG DFTXLVLWLRQ IHHV LQFOXGHG LQ OHDVH

ALL NEW 2015 MITSUBISHI MIRAGE AND 2015 MITSHUBISHI LANCER ES ON SALE

All EVOLUTION Final Edition in Stock NOW!!!

NEW 2015 MITSUBISHI

NEW 2015 MITSUBISHI

Includes hands-free bluetooth

MIRAGE DE

NET PRICE

$

Includes hands-free bluetooth

LANCER ES

NET PRICE

10,699

*

$

15 IN STOCK Stock# 50121

MSRP ...................................$14,015 Manufacture Rebate .............$1,250 Loyalty Rabate .......................$250**

15 IN STOCK Stock# 50038/50082

MSRP ...................................$19,500 Manufacture Rebate .............$1,500 Loyalty Rabate .......................$500** Military Rebate ....................... $500

Military Rebate ....................... $500 SALE PRICE ..........................$12,015 Glendale Mitsubishi Discount $1,316 Holiday Bonus Cash................ $250

**Loyalty rebate extends to an immediate family member or domestic partner living at the same address as current registered Mitsubishi, Saturn or Suzuki owner. Proof of the same residency required.

14,649

*

SALE PRICE ..........................$17,000 Glendale Mitsubishi Discount $2,351 Holiday Bonus Cash................ $250

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

2.9%APR

PRE-OWNED SUPER CENTER CHECK OUT OUR SUPER VALUE PRICE ON COUPEs, SEDANS, & SUVs! â&#x20AC;&#x2DC;08 HYUNDAI

â&#x20AC;&#x2DC;11 HYUNDAI ELANTRA

ACCENT GLS SEDAN

TOURING HATCHBACK

Stk: 50331B | 229269

NOW

Stk: P1732S | 111347

$6,590

NOW

12 HONDA CIVIC

$11,690 â&#x20AC;&#x2DC;14 KIA SOUL

EX SEDAN

HATCHBACK SEDAN

Stk: P1733S | 336137

NOW

$14,690

â&#x20AC;&#x2DC;13 MITSUBISHI

$11,995

â&#x20AC;&#x2DC;15 HYUNDAI SONATA SEDAN

$15,990

IQ HATCHBACK

Stk: P1605 | 015702

NOW

$12,690

â&#x20AC;&#x2DC;13 MITSUBISHI

OUTLANDER SPORT SE SUV

Stk: P1670R | 023283

NOW

â&#x20AC;&#x2DC;14 SCION

LANCER GT HATCHBACK

Stk: P1708R | 010570

NOW

Stk: P1688R | 714491

$14,690

NOW

â&#x20AC;&#x2DC;14 MITSUBISHI

MIRAGE DE HATCHBACK

Stk: 50495A | 017487

NOW

$16,690

â&#x20AC;&#x2DC;14 MITSUBISHI

Stk: P1675 | 026296

$12,690

NOW

â&#x20AC;&#x2DC;13 TOYOTA

Stk: P1763 | 010775

$13,495

NOW

$16,990

Stk: 60097A | 012477

NOW

$17,690

Please call Mark and Cesar at...

Plea

1235 S. BRAND BLVD. GLENDALE, CA. 123 www.glendalemitsubishi.com

TEST DRIVE TODAY! MENTION THIS AD -AND-

GET 3 DAY/2 NIGHTS LAS VEGAS VOUVHER

â&#x20AC;&#x2DC;12 MAZDA MAZDA3 I HATCHBACK

Stk: P1757S | 583233

Stk: S60955A | 009425

$13,990

NOW

â&#x20AC;&#x2DC;14 TOYOTA

OUTLANDER GT (6ST) SUV

Stk: S61093A | 219280

888-465-7218

3.5 SEDAN

â&#x20AC;&#x2DC;12 MITSUBISHI

PRIUS V WAGON

NOW

â&#x20AC;&#x2DC;11 ACURA TL

LANCER ES SEDAN

CAMRY SEDAN

Stk: S60917A | 770347

NOW

$17,990

NOW

$13,995 â&#x20AC;&#x2DC;14 HONDA

CR-V LX FWD SUV

Stk: P1639 | 037016

$19,690

NOW

26

Visit www.Balita.com

Weekend Balita, Sat.-Fri., March 19 - 25, 2016

Balita

Diamond Honda of Glendale Check Out the 2016 HR-V!

Orly Roque 6DOHV /HDVLQJ

0

%

ALL NEW 2016 +RQGD &LYLF /;

Lease for only

$119

4 Dr,Automatic

ALL NEW 2016 +RQGD $FFRUG /; 4 Dr,Automatic

per month plus tax at 39 months

Lease for only

$129

perr m pe month onth ont h pl plus tax ax a att 39 3 mo months

APR

QP NKOKVGF NQPI VGTO ĹżPCPEKPI QP select new Honda models for YGNN SWCNKĹżGF DW[GTU On approved credit.

*FREE LIFETIME POWERTRAIN WARRANTY

DW WKLV SULFH

DW WKLV SULFH DW WKLV RIIHU

6WN 9,1

6WN 9,1 0RGHO &5 ) *(:

Starting at $20,275. $4,055 due at lease signing plus destination, tax, title & tags. 39 month lease, 12k miles/yr. 36 miles with $0.15 per excess mile. No security deposit required. On approved above average credit through American Honda Financial Services.

Starting at $23,725. $4,499 due at lease signing plus destination, tax, title & tags. 39 month lease, 12k miles/yr. 36 miles with $0.15 per excess mile. No security deposit required. On approved above average credit through American Honda Financial Services.

ALL NEW 2016 +RQGD &59 /;

Lease for only

2WD,Automatic

$159

ALL NEW 2016 +RQGD 2'<66(< EXL

per month plus tax at 36 months

*Included with the purchase of any new or selected used vehicle.

We will extend your Powertrain Warranty for as long as you own your vehicle. Peace of mind you canâ&#x20AC;&#x2122;t get anywhere else.

Lease for only

$199

per pe p er month month h plus p us tax pl tax ax at at 36 36 months mo

DW WKLV SULFH DW WKLV RIIHU

DW WKLV SULFH

67. 9,1 0RGHO 50 + )(:

6WN 9,1 0RGHO 5/ + *+:

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

Starting at $36,805. $5,598 due at lease signing plus destination, tax, title & tags. 36 month lease, 12k miles/yr. 36 miles with $0.15 per excess mile. No security deposit required. On approved above average credit through American Honda Financial Services.

â&#x20AC;&#x153;Magandang deals ang naghihintay sa inyo. Madali kaming kausap. Tawag na!â&#x20AC;?

+RQGD &HUWLÂżHG 8VHG &DUV 2WKHU 3UH RZQHG 6SHFLDOV 2011 NISSAN LEAF

2012 FORD FOCUS SE

2014 KIA RIO LX

WAS $9,488

WAS $12,088

WAS $13,291

NOW

NOW

NOW

$7,988 $ %7

2013 HONDA CIVIC WAS $15,791

NOW

$14,291 '+

2013 HONDA ODYSSEY WAS $22,091

NOW

$20,591 '%

Diamond Honda

of Glendale

$10,588 (

2013 NISSAN ROGUE S WAS $16,491

NOW

$14,991 ':

2014 MINI COOPER COUNTRYMAN S WAS $23,091

NOW

$21,591

$ (:3

$11,791 $ &/

2013 HONDA ACCORD LX

RATE AS LOW AS

1.9% APR

2Q 6HOHFW +RQGD 0RGHOV

ON APPROVED CREDIT FOR QUALIFIED BUYERS

2012 HYUNDAI SONATA GLS WAS $13,498

NOW

$11,998 $ &+

2012 MAZDA CX-9 GRAND TOURING

2006 LEXUS RX330 WAS $14,091

NOW

$12,591 $

+21'$ &59 &HUWLĂ&#x20AC;HG

WAS $17,988

WAS $20,098

WAS $21,491

NOW

NOW

NOW

$16,488

$18,598

$19,991

'$

$ &

$ (+

2013 INFINITI EX37 NAVI WAS $24,088

NOW

$22,588 '0

2013 HONDA PILOT WAS $24,491

NOW

$22,991 $ '%

www.diamondhondaofglendale.com

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

2014 HONDA ODYSSEY CERTIFIED WAS $27,291

NOW

$25,791 (%

CERRITOS MITSUBISHI T N E L L E C EGGEASTER SAVINGS

NO PAYMENTS UNTIL JUNE 2016

HUGE INVENTORY

of 2015 EVOLUTIONS AND LAST YEAR OF PRODUCTION 2015 MITSUBISHI

2015 MITSUBISHI

LANCER ES AUTO

2015 MITSUBISHI

mirage de

outlander sports es 5 speed

MSRP ............... $19,105 Customer Rebate .$2,500 Loyalty Rebate .......$500 Military Rebate .......$500

8,399

$

*

12,499*

0%

+ tax 36 mos.

MSRP ............... $23,845 Customer Rebate .$1,000 Loyalty Rebate .......$500 Military Rebate .......$500

15,199

$

*

UP TO

18,199*

$

or

$

LEASE FOR

109

BUY FOR

NET COST

or

$

outlander ES 7 seater

MSRP ............... $21,645 Customer Rebate .$2,000 Loyalty Rebate .......$500 Military Rebate .......$500

MSRP ............... $14,015 Customer Rebate .. $3500 Military Rebate .......$500 Loyalty Rebate .......$500

BUY FOR

2016 MITSUBISHI

LEASE FOR

159

$

for 72 mos.

OR

0

%

or + tax 36 mos.

LEASE FOR

189

$

for 72 mos.

+ tax 36 mos.

*Lease payment includes Loyalty and Military Rebates.

CHECK OUR FRIENDLY PRICED PRE-OWNED CARS! TEST-DRIVE NOW! ‘07 MITSUBISHI ECLIPSE GS COUPE

WAS $10,900 Stk: S6976A

7,988

WAS $11,988

11,800

WAS $15,900

$

‘14 NISSAN VERSA NOTE HATCHBACK

WAS $14,800 Stk: S6957P

‘12 MAZDA MAZDA5 SPORT WAGON

$

NURSES PROGRAM AVAILABLE!

8,999

$

Stk: C15688A

‘13 HONDA CIVIC LX COUPE

Stk: C2858P

0

12,588

$

‘13 FIAT 500 SPORT HATCHBACK

WAS $11,988 Stk: S12052B

8,999

$

WAS $13,999 Stk: S12099A

2014 HYUNDAI ELANTRA SEDAN

WAS $16,900 Stk: S6878P

% FINANCING

13,800

$

‘09 MITSUBISHI GALANT ES SEDAN

9,988

$

‘13 MITSUBISHI OUTLANDER SPORT SE

WAS $17,800 Stk: V15110A

14,800

$

‘08 SCION XB BASE WAGON

WAS $12,999 Stk: S4972P

9,999

$

‘10 TOYOTA PRIUS II HATCHBACK

WAS $19,999 Stk: S10222P

19,790

$

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

AVAILABLE ON SELECTED 2014 & 2015 MODELS NO ONE OFFERS MORE! Mitsubishi Honda Toyota Nissan

560

YES

10100

YES

5YR

YES

ONLY ONLY ONLY 5 YR/60,000 MILES BUMPER TO BUMPER WARRANTY 3/36 3/36 3/36 10 YR/100,000 MILES LTD ONLY ONLY ONLY POWERTRAIN LIMITED 3/36 5/60 5/60 WARRANTY NONE NONE NONE 5 YR/UNLIMITED MILES ROADSIDE ASSISTANCE PRICE LISTED AFTER ALL APPLICABLE REBATES. ALL VEHICLES SUBJECT TO PRIOR SALE PRICES PLUS GOVERMENT FEES AND ANY DEALER DOCUMENT PREPARATION CHARGE AND EMISSION TESTING CHARGE PLUS DESTINATION CHARGE ALL FACTORY REBATES IN LIEU OF SPECIAL RATES OFFERED BY MITSUBISHI CREDIT AND SPECIAL RATES ARE NOT AVAILABLE WITH ANY ADVERTISED VEHICLES. SEE DEALER FOR ADDITIONAL DETAILS. PRICE LISTED AFTER ALL APPLICABLE REBATES SUCH AS CUSTOMER & LOYALTY REBATE. NOT ALL CUSTOMERS QUALIFY FOR LOYALTY RABATE. TO QUALIFY CUSTOMER MUST BE A CURRENT MITSUBISHI VEHICLE REGISTERED OWNER. ALL VEHICLES SUBJECT TO PRIOR SALE PRICES PLUS GOVERMENT FEES AND ANY DEALER DOCUMENT PREPARATION CHARGE AND EMISSION TESTING CHARGE. ALL FACTORY REBATES IN LIEU OF SPECIAL RATES OFFERED BY MITSUBISHI CREDIT AND SPECIAL RATES ARE NOT AVAILABLE WITH ANY ADVERTISED VEHICLES. SEE DEALER FOR ADDITIONAL DETAILS. *All special lease are based on Tier 1 Credit through Mitsubishi Motors Credit of America. All payments are plus tax, first payments, license and acquisition fees included in lease.

Toll Free 1-888-835-6136

10944 South St. Cerritos CA 90703

28

Visit www.Balita.com

Weekend Balita, Sat.-Fri., March 19 - 25, 2016

Balita

NISSAN MISSION HILLS Out to be the #1 Nissan Dealer in the Nation*

i nt o P O H

R E S T A S LE A E

Hurry! Call us now!

Manuel Lava

Internet/Fleet Manager

661-644-0944 2015 NISSAN VERSA 2015 NISSAN VERSA NOTE 2015 NISSAN VERSA SV SALE PRICE $11,588 ***COLLEGE GRAD DEALER CASH $600 *NISSAN CUSTOMER BONUS CASH $1,000 JAN/FEB RETAIL OWNER COMM PROGRAM* $500

SALE PRICE $10,588 ***COLLEGE GRAD DEALER CASH $600 *NISSAN CUSTOMER BONUS CASH $1,000

Air Conditioning/ABS/AM/ FM/CD & More!

SALE PRICE $13,488 ***COLLEGE GRAD DEALER CASH $600 *NISSAN CUSTOMER BONUS CASH $1,000 JAN/FEB RETAIL OWNER COMM PROGRAM* $500

AM/FM/CD!

Automatic/Power windows/Power door locks/AM/FM/CD!

4cyl

4cyl Model#11155

NET COST T0 YOU:

$

8,988

Model#11455

NET COST T0 YOU:

9,988

Model#11215

11,988

NET COST T0 YOU:

$

$

2 at this net cost FL917044, FL913148

2 at this net cost FL374750, FL389345

1 at this net cost FL932753

*Nissan Customer cash in lieu of special ďŹ nancing.

*Nissan Customer cash in lieu of special ďŹ nancing.**Must ďŹ nance thru NMAC

*Nissan Customer cash in lieu of special ďŹ nancing.**Must ďŹ nance thru NMAC.

2015 NISSAN SENTRA 2015 NISSAN SENTRA 2016 NISSAN ALTIMA

SALE PRICE $14,338 **NMAC APR CASH $250 *NISSAN CUSTOMER CASH $1000 ***COLLEGE GRAD DEALER CASH $600 *****NISSAN CUSTOMER BONUS CASH $500 JAN/FEB RETAIL OWNER COMM PROGRAM* $500

Automatic/Air Conditoning/Power windows/Power door locks/AM/FM & much more!

Power windows/Power door locks/AM/FM/CD & More!

Automatic/Air Conditoning/ABS/ Power windows/ Power door locks /AM/FM & much more!

Model#12315

4cyl Model#12065

NET COST T0 YOU:

11,988

$

2 at this net cost FY265895, FY268974

*Nissan Customer cash in lieu of special ďŹ nancing.**Must ďŹ nance thru NMAC.

SALE PRICE $19,588 **NMAC APR CASH $500 *NISSAN CUSTOMER CASH $1,000 ***COLLEGE GRAD DEALER CASH $600 JAN-FEB RETAIL OWNER COMM PRGM* $1,000

Net Savings off MRSP

6,000

$

4cyl Model#13016

16,988

$

NET COST T0 YOU:

2 att thi this savings i FY312025, FY339390

Includes $600 College Grad dealer Cash***, $250 NMAC APR CASH**, $1,000 NISSAN CUSTOMER BONUS CASH*, *****NISSAN CUSTOMER CASH $1,000

2 at this net cost GC115697, GC126765

*Nissan Customer cash in lieu of special ďŹ nancing.**Must ďŹ nance thru NMAC.

2015 NISSAN ALTIMA 2016 NISSAN FRONTIER CREW CAB 2015 NISSAN QUEST

Automatic/Air Conditoning/Power windows/Power door locks/AM/FM & much more!

SALE PRICE $24,988

SALE PRICE $23,098 ***COLLEGE GRAD DEALER CASH $600 NMAC APR CASH $500

AUTOMATIC!

Automatic/Air Conditioning/Power windows & locks, Cruise/AM/FM/CD/3rd Row Seat & much more!

Model#13315

Net Savings off MRSP

8,000

$

1 at this savings FN900609 Includes $600 College Grad dealer Cash***, $750 NMAC APR CASH**, $1500 NISSAN CUSTOMER CASH*, *****NISSAN CUSTOMER BONUS CASH $1,000

4cyl NET COST T0 YOU:

Model#32116

21,988

$

Model#55115

SALE PRICE T0 YOU:

23,988

$

2 at this net cost GN719533, GN720024

2 att thi this nett costt F9122507, F91281155

*Nissan Customer cash in lieu of special ďŹ nancing.**Must ďŹ nance thru NMAC.

*Nissan Customer cash in lieu of special ďŹ nancing.

www.nissanofmissionhills.com

OYG

GD %

Offers subject to availability. Net cost based on current rebates. *Nissan Customer Cash in lieu of Special Financing. **Must fi nance through NMAC. ***All U.S. Military personnel (active and reserve). *College grad must have BS or BA degree from a 4-year University within the last 2 years, also must fi nance with NMAC to receive $600 College grad. All advertised prices exclude government fees and taxes, any fi nance charges, any dealer document processing charge, any electronic fi ling charge, any emission testing charge, and dealer add-ons or accessories. Vehicles subject to prior sale. Interest accrues from date of contract. Ad prices good thru 2/15/16 close of business. NMAC fi nancing may be required on some vehicles see dealer for details. All fi nancing subject to credit approval. Factory rebate in lieu of special APR. Certifi cate Program, see dealer for details.

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WE SERVE ALL AAA, COSTCO, AARP, CREDIT UNION, SAMâ&#x20AC;&#x2122;S CLUB MEMBERS

6HS

888-588-7635

11000 Sepulveda Blvd.Mission Hills, CA 91345

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1

Balita Weekend Balita, Sat.-Fri., March 19 - 25, 2016

Visit www.Balita.com

NOW SERVING SMILES AT SUBARU OF GLENDALE

Visit Subaru of Glendale during The Subaru Love Spring Event to find your dream car at a great price with the help of our friendly, pressure sales staff.vehicle, Whether at first sight or after your test drive, ru Love Spring Event is here.

Get a greatno deal on a new Subaru likeit’s thelove 2016 13 you’ll have experience and leave with a31. grin on your face. and enjoy Subaru Symmetrical All-Wheel Drivea+great 36 mpg.

Hurry in before March

2016 SUBARU

FORESTER 2.5i

CVT Alloy Wheel Package

2016 SUBARU

197

197

$1,199 Down Payment $0 Security Deposit $0 First Months Lease Payment $1,199 Total Due Lease Signing (tax, title, license & doc fees extra)

$799 Total Due Lease Signing (tax, title, license & doc fees extra)

Model Code GFB-02 Offer Expires 03/31/16

2016 SUBARU LEASE OFFER

2016 SUBARU

Premium CVT

$

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

$1,699 Down Payment $0 Security Deposit $0 First Months Lease Payment

$2,299 Down Payment $0 Security Deposit $0 First Months Lease Payment

$1,699 Total Due Lease Signing (tax, title, license & doc fees extra)

$2,299 Total Due Lease Signing (tax, title, license & doc fees extra)

FINANCE OFFER 0% limited term financing on ALL NEW 2016 Legacys in stock

2016 SUBARU

Model Code GAD - 11 Offer Expires 03/31/16

SIGN AND DRIVE

277

$

2016 SUBARU

337

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

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

$2,799 Down Payment $0 Security Deposit $0 First Months Lease Payment

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

$2,799 Total Due Lease Signing (tax, title, license & doc fees extra)

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

Model Code GFI-21 Offer Expires 03/31/16

WRX STI

LEASE OFFER

$

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

M d l Code C d GRC - 12 Model Offer Expires 03/31/16

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

FORESTER 2.5i Limited

CROSSTREK 2.0i

LEASE OFFER

197

PLUS TAX PER MONTH ONTH LEASE/ 36 MONTHS/10,000 00 MILES PER YEAR

Model Code GJF - 11 Offer Expires 03/31/16

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

LEGACY 2.5i Premium CVT

197

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

$

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

$799 Down Payment $0 Security Deposit $0 First Months Lease Payment

$

Premium CVT

LEASE OFFER

LEASE OFFER

$

IMPREZA 2.0i

FINANCE OFFER 2.9% limited term financing on ALL NEW 2016 WRX & WRX STIs in stock

Model Code GUS - 02 Offer Expires 03/31/16

Driving People Happy “Tawag na!”

SUBARU OF GLENDALE

Christian Marilla Finace Manager

www.SubaruofGlendale.net

1308 S Brand Blvd, Glendale, CA 91204

855-230-1547 Subaru, Forester, Outback, Tribeca, Legacy, Impreza, WRX, STI, and SUBARU BOXER are registered trademarks. Purchase or lease any new (previously untitled) Subaru and receive a complimentary factory scheduled maintainance plan for 2 years or 24,000 miles (whichever comes first).

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

29

30

Visit www.Balita.com

Weekend Balita, Sat.-Fri., March 19 - 25, 2016

Balita

Puente Hills Mitsubishi DOUBLE YOUR

0

â&#x20AC;&#x153;Hanapin nyo lang po ako.â&#x20AC;?

%APR

UP TO

$

1000

84 MOS.

F FINANC ING ON ALL 2015 AND SELECT ELEC CT N NEW 2016 MODELS ODELS S.

*

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*EXCLUDES ADVERTISED VEHICLES

NEW 2016

MITSUBISHI OUTLANDER 3DVVHQJHU

159

$

PER MONTH 47 MONTHS

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ALEX JACINTO

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Filipino Sales

67. 9,1

NET COST

19,888

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8,788

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69

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PER MO + TAX

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Cell : (562) 686 -6384 Email : alexander@puentehillsmitsubishi.com

SUBISHI NEW 2015 MLIT UTION GSR LANCER EVO

NEW 2015 MIT OUTLANDER S SUBISHI PORT

NET COST

SALE PRICE

0653

'($/(5 ',6&2817

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37,488

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OR LEASE FOR

349

$

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BIG DAYS!

WED

FRI

THUR

SAT

SUN

MAR 23RD MAR 24TH MAR 25TH MAR 26TH MAR 27TH MAR 28TH

MANAGER SPECIAL! WE WANT YOUR CLUNKER

2007 TOYOTA TACOMA X-RUNNER

RUNNING OR NOT!

$

19,988

$

(5903P/333824)

MON

1500*

TRADE-IN GUARANTEE. TOW-IT, PUSH IT OR PULL IT.

2013 Kia Forte 150599A/739589 ....................................$7,988 2014 Mazda Mazda 2 5919P/017415 .............................$8,988 2008 Mitsubishi Eclipse 5914P/007530 ..........................$8,988 2014 Mitsubishi Mirage 5942P/009009 ..........................$8,988 2013 Ford Focus 5872P/196748 .....................................$9,988 2011 Mini Cooper 5893P/099206 ...................................$9,988 2007 Nissan Murano 5895P/505384 ............................$11,988 2012 Chevrolet Colorado 5933P/149983 ......................$12,988 2013 Ford Escape 5941P/D11388 ................................$12,988 2011 Kia Sorento 5855P/075423 .................................$12,988 2013 Nissan Sentra 5931P/687216 ..............................$13,988 2014 Mitsubishi Outlander Sport 5824P/003925 ..........$13,988 2009 Mercedez-Benz CLK350C 5840P/262360............$13,988 2015 Volkswagen Jetta 594OP/355620.........................$13,988

*excludes advertised vehicles.

$

$OO DGYHUWLVHG SULFHV H[FOXGH UHFRQGLWLRQLQJ IHH SOXV JRYHUQPHQW IHHV DQG WD[HV DQ\ ͤQDQFH FKDUJHV DQ\ GHDOHU GRFXPHQW SUHSDUDWLRQ FKDUJH DQG DQ\ HPLVVLRQ WHVWLQJ FKDUJH 3LFWXUHV DUH IRU LOOXVWUDWLRQ RQO\ $OO ͤQDQFLQJ RQ DERYH DYHUDJH FUHGLW 3D\PHQWV EDVHG RQ PRV # $35 SOXV WD[ OLF JRYHUQPHQW IHHV DUH QRW LQFOXGHG LQ \RXU SD\PHQW DQG PXVW EH SDLG LQ FDVK 0XVW EH FXUUHQW UHJLVWHUHG RZQHU RI 0LWVXELVKL YHKLFOH WR UHFHLYH /R\DOW\ 5HEDWH 0LOLWDU\ 5HEDWH PXVW EH DFWLYH PLOLWDU\ DQG SURYLGH YHULͤFDWLRQ RI VHUYLFH ,QFRPH 7D[ 9RXFKHUV QRW DYDLODEOH WRZDUGV DQ\ DGYHUWLVHG VSHFLDOV $G H[SLUHV DW FORVH RI EXVLQHVV

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DELIVERS ANY VEHICLE WE FINANCE ANYONE!* YOUR JOB IS YOUR CREDIT! OAC/OAD

2012 Hyundai Sonata 5945P/062974 ...........................$13,988 2015 Nissan Altima 5923P/120648 ..............................$14,900 2005 Chevrolet Silverado 1500 Crew 5822P/269737....$14,988 2013 Chevrolet Volt 5883P/106304...............................$14,988 2012 Nissan Rogue 5831P/386786 ..............................$14,988 2011 Ford E350 SuperD 5892P/808593 .......................$16,988 2013 Scion FR-S 5938P/707517 ..................................$16,988 2009 BMW 335i 5748P/L87234 ...................................$18,988 2014 Chevrolet Camaro 5882P/191224 ........................$18,988 2013 Audi A4 5864P/004050 .......................................$21,988 2011 Merecedez-Benz ML350 5867P/675073..............$22,988 2009 GMC Yukon 5896P/192687 .................................$22,988 2014 Nissan Frontier 5929P/772861 .............................$23,988

WE WILL FINANCE ANYONE OAC * OAD * IF WE CANâ&#x20AC;&#x2122;T FINANCE YOU, YOUR CAR IS FREE!***

â&#x20AC;&#x2DC;08 NISSAN VERSA â&#x20AC;&#x2DC;13 FORD FOCUS â&#x20AC;&#x2DC;08 MITSUBISHI ECLIPSE

$

109

per mo +tax

0

$ DOWN

84 mos, 3.99% APR, On Approved Credit

$

119

84 mos, 3.99% APR, On Approved Credit

5932P/403988

139

per mo +tax

84 mos, 3.99% APR, On Approved Credit

0

$ DOWN

$

0

$ DOWN

150549A/098017

119

84 mos, 3.99% APR, On Approved Credit

5872P/196748

â&#x20AC;&#x2DC;11 MINI COOPER

$

per mo +tax

per mo +tax

0

$ DOWN

â&#x20AC;&#x2DC;13 KIA FORTE

$

129

per mo +tax

0

$ DOWN

84 mos, 3.99% APR, On Approved Credit

5914P/007530

150599A/739589

â&#x20AC;&#x2DC;14 CHRYSLER 200 â&#x20AC;&#x2DC;14 Volkswagen BEETLE â&#x20AC;&#x2DC;15 Volkswagen JETTA

$

169

per mo +tax

84 mos, 3.99% APR, On Approved Credit

5939P/157904

0

$ DOWN

$

169

84 mos, 3.99% APR, On Approved Credit

per mo +tax

0

$ DOWN

5926P/636202

$

179

per mo +tax

84 mos, 3.99% APR, On Approved Credit

0

$ DOWN

5927P/355708

$OO DGYHUWLVHG SULFHV H[FOXGH UHFRQGLWLRQLQJ IHH SOXV JRYHUQPHQW IHHV DQG WD[HV DQG ͤQDQFH FKDUJH DQ\ GHDOHU GRFXPHQW SURFHVVLQJ FKDUJH DQ\ HOHFWURQLF ͤOLQJ FKDUJH DQG DQ\ HPLVVLRQV WHVWLQJ FKDUJH 3D\PHQWV EDVHG RQ PRV DW $35 SOXV WD[ OLFHQVH ([FOXGLQJ DGYHUWLVHG FDUV 2QH WUDGH SHU SXUFKDVH 0XVW KDYH D YDOLG &DOLIRUQLD 'ULYHUV /LFHQVH 0XVW KDYH D FXUUHQW SD\ VWXE QR VHOI HPSOR\HG 0D\ UHTXLUH XS WR GRZQ SD\PHQW 0XVW KDYH YDOLG 6RFLDO 6HFXULW\ QXPEHU 0XVW KDYH DW OHDVW \HDU RQ WKH MRE 0XVW EH \HDUV RU ROGHU $Q\ GHDOHU DGG RQV RSWLRQDO 9HKLFOHV DQG FRORUV DUH IRU LOOXVWUDWLRQ RQO\ $G H[SLUHV HQG RI EXVLQHVV GD\

puente hills mitsubishi 17665 Castleton St. City of Industry

ALL FREEWAYS LEAD TO PUENTE HILLS AUTO CENTER

1.866.400.1067 www.PuenteHillsMitsubishi.com

Balita Weekend Balita, Sat.-Fri., March 19 - 25, 2016

Visit www.Balita.com

Over 500 Pre-owned to choose from!

Excellent Easter Sale

Weâ&#x20AC;&#x2122;ll help you get a car!

Jose Villanueva

Cell: (213) 500 -1260 â&#x20AC;&#x2DC;00 HONDA ODYSSEY LX

5,995

$

â&#x20AC;&#x153;Tawag na sa Filipino Department.

Hanapin nyo lang po kami! â&#x20AC;&#x153;

â&#x20AC;&#x2DC;05 MERCEDES-BENZ C240 SDN

4,995

$

â&#x20AC;&#x2DC;09 HONDA CIVIC GX SEDAN

10,995

$

â&#x20AC;&#x2DC;13 SCION XD 5DR HB MAN

11,495

$

Joel Paguio

Cell: (323) 547-5394 â&#x20AC;&#x2DC;07 TOYOTA RAV4 2WD 4DR 4-CYL

11,495

$

VIN: VIN: 2HKRL1859YH585633 STOCK: X60400

VIN: WDBRF61J65A666120 STOCK: X60083

VIN: 1HGFA46529L000841 STOCK: X60118

VIN:JTKKUPB43D1039227 TOCK: X60356

VIN: JTMZD33V575049681 STOCK: X60219

â&#x20AC;&#x2DC;12 NISSAN SENTRA 4DR SDN I4 CVT 2.0 SR

â&#x20AC;&#x2DC;12 MAZDA CX-7 FWD 4DR I SPORT

â&#x20AC;&#x2DC;12 TOYOTA CAMRY HYBRID 4DR SDN XLE

â&#x20AC;&#x2DC;08 MERCEDES-BENZ C300 4MATIC SPORT SEDAN

â&#x20AC;&#x2DC;07 LEXUS RX 350 AWD 4DR

12,495

$

11,995

$

$

12,995

13,250

$

13,495

$

VIN: 3N1AB6APXCL680688 STOCK: X60045A

VIN: JM3ER2B51C0413766 STOCK: X60284

VIN: 4T1BD1FK7CU055064 STOCK: X60308

VIN: WDDGF81X88F059576 STOCK: X50159

VIN: 2T2HK31U37C039385 STOCK: X60416

â&#x20AC;&#x2DC;13 TOYOTA COROLLA 4DR SDN AUTO S

â&#x20AC;&#x2DC;13 TOYOTA COROLLA 4DR SDN AUTO LE

â&#x20AC;&#x2DC;15 HYUNDAI ELANTRA 4DR SDN AUTO LIMITED PZEV

â&#x20AC;&#x2DC;14 TOYOTA COROLLA 4DR SDN MAN L

â&#x20AC;&#x2DC;12 TOYOTA CAMRY 4DR SDN I4 AUTO L

13,777

$

13,995

$

$

14,295

14,495

$

15,495

$

VIN: 5YFBU4EE1DP136884 STOCK: X50726

VIN: 5YFBU4EEXDP133126 STOCK: X60352

VIN: 5NPDH4AE7FH572397 STOCK: X60304

VIN: 5YFBURHE0EP073125 STOCK: X51472

VIN: 4T1BF1FK3CU179097 STOCK: X60343

â&#x20AC;&#x2DC;16 HYUNDAI ELANTRA 4DR SDN AUTO LIMITED PZEV

â&#x20AC;&#x2DC;08 BMW 535I SEDAN

â&#x20AC;&#x2DC;07 MERCEDES-BENZ GL450 SUV

â&#x20AC;&#x2DC;13 NISSAN MURANO 2WD 4DR S

â&#x20AC;&#x2DC;09 LEXUS IS 250 4DR SPORT SDN MAN RWD

15,995

$

VIN: 5NPDH4AE4GH692305 STOCK: X51537

$

16,995

VIN: WBANW13508CZ81567 STOCK: X60173

250 Off SPECIAL!

*$

FOR WEEKEND BALITA READERS!

$

17,945

VIN: 4JGBF71E27A139623 STOCK: X60123

18,495

$

VIN: JN8AZ1MU8DW209359 STOCK: X60261

16,995

$

VIN: JTHBK262492093127 STOCK: X60275

More than 25 banks are ready to approve!

Bad Credit! No Credit! Fair Prices!

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

For Car Emergency, Call:

(323) 222-2400 2244 N. San Fernando Road, Los Angeles, CA 90065

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

31

32

Visit www.Balita.com

Weekend Balita, Sat.-Fri., March 19 - 25, 2016

Balita

Mercedes-Benz of Encino &HUWLÂHG 3UH 2ZQHG by

Mercedes Benz Mercedes-Benz

Raymond Orosa Filipino Sales

2009 MB CLK350 3.5 CABRIOLET

Stk#: 66188T

$19,988

2012 MB E350 2Dr Coupe

Stk#: 66107C

$28,988

View Our Selection Of

&HUWLÂHG 3UH 2ZQHG 9HKLFOHV

Our Financing is as low as .99% APR. Call 818.536.2413 Email: rorosa@mbencino.com 2010 MB ML350

Stk#: 66203T

2012 MB GLK350

$21,988

2014 MB CLA250 4Dr Coupe

Stk#: 66061T

$29,888

2013 MB GLK350 4MATIC

2013 MB E350 Sport Sedan

Stk#: 66041C

Stk#: 66097C

$32,888

2014 MB GLK350

Stk#: 66178C

$35,988

2014 MB SLK250 ROADSTER

Stk#: 66093C

$41,988

$33,988

2014 MB E350 Sport Sedan

Stk#: 66050C

$36,888

2014 MB SLK250 Roadster

Stk#: 66098C

818.536.2413

$41,988

Stk#: 66108C

$26,888

2014 MB C250 2Dr Coupe

Stk#: 66168C

$29,988

2013 MB GLK350

Stk#: 66179C

$33,988

2012 MB ML350 BlueTEC

Stk#: 66152C

$36,888

2015 MB C300 Sedan

Stk#: 65993P

$43,988

16721 Ventura Blvd. Encino CA 91436

mbencino.com

2013 MB C250 SPORT RWD

Stk#: 66213C

$27,988

2014 MB GLK350 RWD

Stk#: 66025C

$32,888

2015 MB GLA250 4MATIC

Stk#: 66068T

$34,888

2014 MB E350 2Dr Coupe

Stk#: 66166C

$38,988

2014 MB E350 Cabriolet

Stk#: 65729C

$45,888

Mercedes-Benz of Encino