Maia Deguito, manager of the Rizal Commercial Banking Corp (RCBC) branch in Manila’s fi nancial district, could only muster a blank stare when dis-cussing the dirty money, said Romualdo Agarrado, a senior offi cer 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 fi nancial world, un-known hackers tried to steal around $1 billion from

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

Th ey 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 signifi cant amounts believed to have been laundered through Philippine casinos.

Although low-level bank offi cers in Manila have

VOL. XXIII, NO. 7 LOS ANGELES / ORANGE COUNTY / INLAND EMPIRE THE LEADING SOURCE OF NEWS AND INFORMATION FOR FILIPINO-AMERICANS March 19 - 25, 2016

See ENTERTAINMENT, page 15

LA / ORANGE C / INLAND E

See $81 MILLION, page 8

BiGuelchooses career over love

MANILA, Mar 17 (Mabu-hay) -- The Legal counsel for Rizal Commercial Banking Corp. branch manager Maia Santos-De-guito 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 laun-dering case fi led by the AMLC before the Department of Justice that has prevented Deguito from spilling the beans, lawyer Fer-dinand Topacio said in a press statement on Th ursday.

Th e case was fi led 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 confi dent 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 hold-ers who authorities said may just be using aliases. Bank accounts under the name of Michael Fran-cisco 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 8RCBC –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)

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-verifi ed paper audit trail” to allow confi rmation of votes.(MNS photo)

MANILA, Mar 17 (Mabuhay) – Commission on Elections chair-man Andres Bautista on Th ursday 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 veri-fi cation paper audit trail (VVPAT) feature of the vote counting ma-chines for the May polls.

Th e poll body chief gave the comment following a question during interpellation by Associ-ate 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.

Th e 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.

BACOOR, Cavite, Mar 17 (Mabuhay) – Senator Grace Poe on Th ursday said she is unfazed by the attempt to challenge the Supreme Court’s reversal of her disqualifi cation from the presidential race.

Poe said it is well within the rights of the peti-tioners in the disqualifi cation case she faced to fi le an appeal.

“Hayaan mo na. Karapatan nila ‘yon kung gusto nilang mag-fi le, mag-fi le 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 eli-

gibility to run in the May 206 elections.However, the parties who had sought Poe’s dis-

qualification—lawyer Estrella Elamparo, former senator Francisco Tatad, De La Salle University pro-fessor Antonio Contreras, and former University of the East College of Law dean Amado Valdez—have announced their plan to fi le a motion for recon-sideration 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 kaba-bayan 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)

RCBC offi cials fear for lives

$81 million laundered money that belonged to Bangladesh ends up in casinos

Manila, Philippines | AFP | Th ursday 3/17/2016 – A Philippine banker shift ed $81 million stolen from Bangladesh’s central bank into various accounts because she feared for her life, her colleague told a parliamentary investigation on Th ursday.

Deguito lawyer alleges AMLC, RCBC ‘cover-up’

Comelec chief: Polls to push through May 9 Let petitioners appeal SC ruling allowing me to run: Grace Poe

See COMELEC, page 8

2 Weekend Balita, Sat.-Fri., March 19 - 25, 2016 BalitaVisit www.Balita.com

Most people qualify to fi le bankruptcy under either chapter 7 or 13. If your an-nual 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 fi le under chapter 7. You will almost always qualify to fi le under chapter 13, regardless of your in-come. (see www.usdoj.gov/ust/eo/bapcpa/bci_data/median_income_table.htm)

Am I required to obtain credit coun-seling prior to fi ling bankruptcy?

While you are not required to par-ticipate in a debt management or repayment program, you are required to consult with an approved nonprofi t budget and credit counseling agency as to your available options before you fi le 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 offi ce.

Am I required to complete a personal fi nancial management training course prior to fi ling bankruptcy?

No. However, prior to obtaining a fi nal discharge in a bankruptcy case you will have to complete an approved instructional course in personal fi nan-cial management from an approved non-profi t 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 re-payment plan, the instructional course will not be needed until the end of that term.

Can I fi le jointly with my spouse?Yes, you may file individually or

jointly as husband and wife. You may fi le jointly even if you are currently sep-arated or have fi led for divorce, as long as the divorce is not yet fi nal.

Will I have to appear in court?It is very unlikely that you will ever

appear in court or in front of a bank-ruptcy judge on a chapter 7 bankruptcy. However, about 4 to 6 weeks after fi ling bankruptcy you will have to meet with a bankruptcy trustee. The trustee is usually a private practicing attorney appointed by the US Trustee’s offi ce. In some instances, the trustee assigned to your case may be a non-attorney, possi-bly 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 fi nancial situation. This hearing is also referred to as the “Meeting of Creditors”. Howev-er, creditors rarely attend a Chapter 7 cases. Approximately 60 days after your meeting with the trustee you should receive your fi nal discharge order in the mail. Your debts will be formally dis-charged 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 fi led?A bankruptcy petition must be fi led

in the federal bankruptcy court district where you have resided for the majority of the past 180 days.

Will fi ling bankruptcy affect my abil-ity to obtain credit?

If you already have bad credit, fi ling bankruptcy will probably not make your credit any worse than it already is. Your FICO® credit score may initially decrease after your bankruptcy fi ling 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 estab-lishing an excellent payment history. If you reaffi rm 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 his-tory, 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 fi ling 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 im-mediately after fi ling bankruptcy. Even without fi ling bankruptcy, most negative items appear on your credit report for at least 7 years.

Are there any negative consequences to fi ling bankruptcy?

Federal bankruptcy laws were es-tablished 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 fi nancial distress – not to fur-ther burden or hinder them. Despite the many rumors propagated for years by creditors, debt collectors, debt coun-seling organizations and the like for their own self-interest, there are virtu-ally no negative consequences to fi ling bankruptcy. To the contrary, various bankruptcy laws have been enacted to ensure that no person is discriminated against because of a bankruptcy fil-ing. By federal law, no person can be denied employment, a student loan or grant, or a license or permit by reason of a bankruptcy fi ling. If you have good credit and fi le bankruptcy your credit will, of course, be negatively impacted. But if your credit is already bad, fi ling bankruptcy can only improve your life and your ability to re-establish a good credit history.

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

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Do I qualify for bankruptcy?

3Visit www.Balita.comBalita Weekend Balita, Sat.-Fri., March 19 - 25, 2016

Vice-presidential race frontrunner Sen. Francis “Chiz” Escudero said it is high time the government seriously address the prob-lem 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 run-ning as independent under the banner “Gobyernong may Puso” alongside leading presidential candidate Sen. Grace Poe.Escudero said he received numerous complaints regarding land grabbing, par-ticularly 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 do-ing anything,” Escudero said, as he lament-ed 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 mafi as 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.Th e “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.

VIGAN, Mar 16 (Mabuhay) – Vice President Jejomar Binay admitted Wednesday being aff ected 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 aft er 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.

Th e 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 offi cial 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.

Th e 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)

MANILA, Mar 16 (Mabuhay) – A ranking offi cial during the Ar-royo 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 ex-ecutive secretary, Ermita, a former military offi cial, also served as sec-retary of the Department of National Defense during Arroyo’s term.

In a chance interview, Robredo said he doesn’t see any confl ict 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-

VP Binay admits being affected by allegations, expects more to come

Chiz says gov’t should act against land-grabbing

Ex-Arroyo aide Ermita throws support behind Mar-Leni tandem

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By Karl MalakunasL 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 infi -delities, but many voters in the Phil-ippines want to elect him president so he can honor a campaign pledge to kill thousands of criminals.

Duterte is making a spectacular, obscenity-fi lled charge towards the presidential palace by selling himself as a ruthless leader willing to bypass the judicial system in an unprece-dented 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

traffi ckers.“When I become president, I’ll or-

der the police and the military to fi nd 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 crim-inals and dump so many in Manila Bay that the “fi sh will grow fat” from feeding on them.

Political courage

Surveys indicate his law-and-or-der 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 ma-jor 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 phenome-non. 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 fi re in his belly and he is politically courageous.”

His unique form of political cour-age 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 presi-dential bid late last year, Duterte described the pope as a “son of a b _ _ _ _” for causing traffi c jams when he visited the Philippines.

Duterte, who is in a long-term relationship with a woman after having his fi rst 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 cor-rupt Filipino politicians who use the powers of offi ce to enrich themselves.

Death squad fearsHuman 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 de-nied 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 underesti-mated 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, ac-cording to Philippine Human Rights Commission chairman Chito Gascon.

Gascon told AFP this was part of the nation’s “culture of impuni-ty”, where politicians and powerful fi gures often get away with crimes.

Duterte vows to execute criminals if he becomes president

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

On 15 March, Philippine Ambas-sador 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 (D-MD), Chairman and ranking member of the Senate Foreign Relations Com-mittee (SFRC), respectively.

The Philippine offi cials noted the SFRC’s instrumental role in sustain-ing US interest in the Asia-Pacifi c region and in giving substance to the rebalance policy.

“The Senate Foreign Relations Committee has been very infl uential 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 fi nancing (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 fi rm belief in the rule of law and recognized the leadership of the Philippines in de-

veloping a regional Code of Conduct.Representative Randy Forbes (R-

VA), 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 reaf-fi rmed 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-Pa-cifi c has undermined regional stabili-ty and unnecessarily antagonized the Philippines and other partners in the region. The United States has an obli-gation 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 offi cials expressed appreciation to the Con-gressman for leading efforts to impel the US Administration to take the necessary steps in safeguarding the rule of law in the Asia-Pacifi c.

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 “huge-ly important, helpful and useful.”

The Philippines’ campaign to combat traffi cking 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 offi cials 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.

PHL advances China sea dispute, other issues with US lawmakers

MANILA, Mar 16 (Mabuhay) – The Philippines may face stronger typhoons due to warmer tempera-tures, US Vice President Al Gore said Wednesday in a Climate Reality Project forum in Manila.

“Warmer oceans makes ocean-based 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 Pacifi c Ocean that were three percent warmer than nor-mal 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 tem-perature evaporates more moisture in the atmosphere, leading to longer – and more powerful – precipitation, leading to more fl ooding 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.

Al Gore warns: Climate change may bring stronger typhoons to PHL

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taking action. For example, if you have just been sued by a creditor, the best time to fi nd 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 fi led 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 “judg-ment-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

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 scratch-ing your head trying to understand what just happened.

Since 1997, I have helped thou-sands 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 offi ce consultation. We have offi ces in Los Angeles, Glendale, Pas-adena, Cerritos and Valencia.

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

What creditors can do when you don’t payHave you been sued or threatened

to be sued by a creditor for an out-standing debt that you couldn’t pay? What are you doing about it?

Serious debt problems can put your fi nancial security at risk. I am always perplexed as to why people wait until things get worse before

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 Teofi sto Guingo-na III said the Anti-Money Laun-dering 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 ear-ly 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 laun-dering, 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 San-tos-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 proce-dures.

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

Sen. Guingona wants casinos covered by anti-money laundering law

7Visit www.Balita.comBalita Weekend Balita, Sat.-Fri., March 19 - 25, 2016 LOS ANGELES / ORANGE COUNTY / INLAND EMPIRE

“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 hap-piness!’ 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 plea-sure 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 fi elds being benefi ciaries of her intellectual gifts that she harnessed to the fullest.

She was an indefatigable commu-nity organizer who approached her tasks with consistent passion that has served as a model for commu-nity 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 better-ment of the community where she operated. Among the honors reaped on her include the Business Advo-cate 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 He-roes Award of 2011. She was also the Outstanding Thomasian Chemistry Alumni during the 400th anniversa-ry of her alma mater, the University of Santo Tomas.

As a tireless community leader

of both the Asian Business Asso-ciation of Orange County and the Filipino American Chamber of Com-merce, 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, cul-ture and the culinary pride of the Philippines.

Even in the midst of her physi-cal affl iction, Linda pioneered the holding of environmental awareness

event at the Annual Business Oppor-tunity Day to promote the advantag-es of Green Technology, health and conservation.

For the past seven years, FAC-COC has been very active in en-couraging 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.

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 fi rst week of February. She left behind a lasting legacy of a life well-lived. She is shown at extreme left in this fi le photo at the celebration of her birthday and the baptism of her granddaughter.

Atty. Linda Sarno: ‘A good and faithful servant’

W a s h i n g t o n , U n i t e d 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 newspa-per 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 wa-ter 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.

Six million Americans have lead-tainted water in homes, schools: report

8 Weekend Balita, Sat.-Fri., March 19 - 25, 2016 BalitaVisit www.Balita.com

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DEGUITOFrom page 1

COMELECFrom page 1

$81 MILLIONFrom page 1

Bangladesh with the Federal Reserve Bank of New York last Feb. 5. Th e 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.

Th e lawyer, however, alleged that RCBC head offi ce was trying to cover up for “cer-tain” bank offi cials.

“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) fi led a case against her the previous day. We view as suspicious the timing, and the fact that aside from our client and alleged fi ctitious persons, AMLC did not fi le a case against other bank offi cers 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 repre-sentatives 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 Consti-tutional safeguards in her favor must be invoked to protect her rights, including the right to be presumed innocent. Th erefore, we shall request the Senate Blue Ribbon Committee to exclude the AMLC repre-sentatives, since they are the accusers of our client,” Topacio said.

Topacio accused RCBC of trying to cov-er up for certain bank offi cials, alleging that

the internal investigator had come from ACCRA Law Offi ce, and the lawyers of Lorenzo Tan were also from ACCRA Law.

“We cannot thus be assured of an im-partial 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 mon-ey-laundering transaction,” Topacio said.

Th e 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 Offi ces (ACCRA) and Maria Cecilia Fernandez-Estavillo, head of legal and regulatory aff airs at RCBC.

Based on a March 14 timeline submit-ted by RCBC to the AMLC, Deguito had expected the big infl ow 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 stock-holders. Th e committee is being assisted by SGV auditors and external lawyers from another law fi rm, the Poblador Bautista Reyes – not ACCRA, Lim said.

Last Friday, Lim said the RCBC pres-

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

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

Earlier on Th ursday, Solicitor General Florin Hilbay told the SC that the require-ment 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 verifi ca-tion 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 confi dent about its ability to perform its statutory and consti-tutional mandate on May 9. (MNS)

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

Acting on a request from the US Federal Reserve, RCBC headquarters issued an or-der 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 busi-nessman William Go, RCBC legal aff airs head Maria Celia Fernandez-Estavillo told the Senate hearing on Th ursday.

Estavillo said the remaining $15 mil-lion 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 supe-riors 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.

Th e senators then began a classifi ed session to hear her testimony.

Go’s lawyers told an earlier Senate hear-ing 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 eventu-ally ended up in the account of Philrem, a foreign exchange brokerage.

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

Th e 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.

ident had off ered 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. “Th e bank’s board thanked him for his gentlemanly and decent gesture but said their trust in him is intact and unshak-en,” Lim said.(MNS)

LOS ANGELES

9Visit www.Balita.comBalita Weekend Balita, Sat.-Fri., March 19 - 25, 2016

By Kerry SheridanM 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 per-cent 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 fl aviviruses 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 hemorrhag-ic 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 confi dent that it is going to work,” said lead author Anna Durbin, associate pro-fessor 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

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 weak-ened but live viruses, targeted to each of the four serotypes of dengue.

Six months after vaccination, the two groups were exposed to a weak-ened 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 prevent-ing dengue 1, 3 and 4 viruses.

However, the “portion of the vac-cine 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 fi ghting an infection.

The study was done in the United States, where dengue does not circu-late 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 fi ndings 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 signifi cant 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 develop-ment, it’s a tool that we think can be extrapolated to others fl aviviruses,” said Durbin.

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

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 con-cerns 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 nag-bago as of the current moment in the parts of Luzon,” she said in a press conference.

Garin is trying to dispelling re-ports 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; con-sumption of undercooked meat by pregnant women; rubella; her-pes; Cytomegalovirus; HIV infec-tion; genetic abnormalities such as Down syndrome; severe malnutrition during fetal life; and extreme stress experienced by the expectant mother.

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

Absence of symptomsWhile there is no surge in the

number of babies with microcephaly, the DOH offi cial advised pregnant women to be wary of mosquito bites, citing the absence of symptoms in 80 percent of those infected with Zika virus.

Vaccine against dengue virus is 100 percent effective: study

DOH dispels reports of rise in microcephaly incidence

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10 Weekend Balita, Sat.-Fri., March 19 - 25, 2016 BalitaVisit www.Balita.com

The recent introduction of LouLou Couture at the Los Angeles Fashion Show held at the posh Traxx Restau-rant 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 Fash-ion and CAD Design at the then California Design College, which is currently known as the Art Institute of California.

Armed with a Fashion Design Certifi cate, 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 fi rst design shop in the highly - pop-ulated 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

contribute her creative talent to help assist various noble non-profi t foun-dations, by producing fashion shows. So in 2010, she started producing charity fashion shows, benefitting non-profi t 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 compet-itive in furthering their carreers, so she founded the Miss Philippines USA and produced her fi rst MPUSA beauty pageant in May of 2012. She

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. Mabu-hay ka Lou and more power to you!

Fashion Week LA introduced LouLou Couture ‘s “feminine and timeless” designs

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

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

Fashion DesignerLou Razon

FOR MORE NEWS AND INFORMATIONVISIT OUR WEBSITE

11Visit www.Balita.comBalita Weekend Balita, Sat.-Fri., March 19 - 25, 2016

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 informa-tion 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 fi le the tax return. A Tra-ditional 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 with-holding 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 Refi-nanced Mortgage If you purchased a home or refi nanced the loan on your current home in 2015, the points (prepaid interest) you paid may be deductible as mortgage interest. Re-fer to IRS Publication 936 to check your eligibility.

4. Health Insurance Premium Tax Credit

If you purchased health insurance through the Health Insurance Mar-ketplace in 2015, you may be eligible for the premium tax credit. To claim the credit or reconcile advance pay-ments of the credit, fi le IRS Form 8962 with your income tax return. The Marketplace is required to pro-vide IRS Form 1095-A no later than Jan. 31 to assist you with claiming the credit.

5. Tax Benefi ts for Education There are many deductions and

credits available to taxpayers who have education related expenses.

These expenses may have been re-ported to you on IRS Form 1098-T. To determine which credit or deduction is most benefi cial to you, refer to IRS Publication 970 for a complete list. This publication will also help you with reporting and taxation of with-drawals from a 529 plan or Education Savings Account.

6. Charitable Contribution De-duction

Not all charities send a confi rma-tion statement or letter of your gift when the contribution is less than $250. Review your check records or credit card statements for any forgot-ten 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 fi ling their income tax return. A 0.9% tax applies to com-pensation and net self-employment income that exceeds $200,000 for a single person ($250,000 for joint fi l-ers). 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 ad-ditional 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 invest-ments 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 fi ling Form 4868 to receive an automatic 6-month extension of time to fi le your return. However, this is an extension of time to fi le, not to pay. Your must pay your tax due by the original due date.

By Sam JahanDhaka, 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, fi led to police on Tuesday, recounts the events leading to the discovery of the dramatic theft from an overseas account of Bangla-desh 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 offi cial 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 Re-serve 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 fi x 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.

MANILA, Mar 16 (Mabuhay) – Senator Grace Poe said she would not retain the heads of at least three departments—the Department of Communications and Transporta-tion (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 Secre-tary Joseph Emilio Abaya, BIR is being headed by Kim Henares while DA head is Secretary Proceso Alcala.

Poe has long been calling for Aba-ya’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 ene-mies now. I’m used to it,” she added.

Before this, Poe said she has al-ready 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 be-cause 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)

Tax time tips and reminders, courtesy of Wells Fargo

Faulty printer implicated in $81-M Bangladesh bank heist

If elected, Poe says she will remove Abaya, Henares, Alcala

12 Weekend Balita, Sat.-Fri., March 19 - 25, 2016 BalitaVisit www.Balita.com

A tenant may terminate his or her tenancy on written notice to the landlord that the tenant, or a house-hold member, is a victim of domestic violence, sexual assault, stalking, human traffi cking or elder or depen-dent adult abuse. Civil Code § 1946.7 Likewise, a landlord may terminate (or decline to renew) a tenancy after the tenant has provided written no-tice that the tenant, or a household member, is a victim of domestic violence, sexual assault, stalking, human traffi cking or elder or depen-dent adult abuse where (a) the tenant allows the restrained person to visit the property or the landlord reason-ably 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 pre-viously 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 defi ned 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 defi ned in Section 1708.7, human traffi cking as defi ned in Section 236.1 of the Penal Code, or abuse of an elder or a dependent adult as defi ned in Section 15610.07 of the Welfare and Institutions Code, and that the tenant intends to ter-minate the tenancy. (b) A notice to terminate a tenancy under this sec-tion 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 traffi cking, or abuse of an elder or a dependent adult. (2) A copy of a written report by a peace offi cer employed by a state or local law enforcement agency acting in his or her offi cial capacity stating that the tenant or household member has fi led a report alleging that he or she or the household member is a victim of domestic violence, sexual assault, stalking, human traffi cking, or abuse of an elder or a dependent adult. (3)(A) Documentation from a qualifi ed third party based on infor-mation 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 in-juries 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 tenan-cy 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 help-ful 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

Victims of domestic violence can terminate a lease on written notice to the landlord

to divorcing couple. This provision can also be applied to unmarried cou-ples and roommate situations where one of the roommates is a victim of domestic violence, sexual assault, stalking, human traffi cking, 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 benefi t 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-specifi c legal information. This article is not intended to cover all the issues related to the topic discussed. The specifi c facts that apply to your mat-ter may make the outcome different than would be anticipated by you. This article does create any attor-ney client relationship between you and the Law Offi ces of Kenneth U. Reyes, APLC. This article is not a solicitation.

Attorney Kenneth Ursua Reyes is a Certifi ed Family Law Specialist. He was President of the Philippine Amer-ican 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 Uni-versity Law School in Los Angeles and California State University, San Bernardino School of Business Ad-ministration. 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,

13Visit www.Balita.comBalita Weekend Balita, Sat.-Fri., March 19 - 25, 2016

LOS ANGELES – A federal jury has convicted a Studio City man of possessing more than 1,400 credit card profi les 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 (spe-cifi cally, two counts of possession of 15 or more counterfeit access devic-es) and two counts of aggravated identity theft.

At the conclusion of a one-week trial, the jury found that Kechedzian possessed two USB fl ash 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 il-legal skimming device designed to be installed in gas station pumps to steal credit card data.

“As credit card thieves use in-creasingly sophisticated technology to access consumer data, consumers must be more vigilant in protecting their fi nancial information and keep-ing a close eye on their transactions,” said United States Attorney Eileen M. Decker.

Jury convicts ‘skimming’ Studio City resident of credit card fraud

Who said that, fi rst is chance, twice is coincidence and third is habit? I have two new clients who are actually previous clients. The fi rst is 55 and she fi led 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 offi ce 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 offi ce to the hearing. That was so convenient. Creditor reps would pass by my offi ce for coffee after the hearings and talk about reaffi rmation, 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 insuffi ciency 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 mini-mum payment of $1,800 was putting a lot of strain on their fi nances. So, they opted for a fresh start without the $60K credit cards. A fresh start is what they got on the fi nancial side, but husband had other personal prob-lems, 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 back-ground 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 him-self. This would be maximizing his

God given talents. But alas, the “spirit is willing but the fl esh is weak” – This is what Jesus said to Peter as He agonized on that night thinking about what He had to do to fulfi ll 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 fi led 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 fi le a 2nd Chapter 13 case. If debtor fi led a 2nd Chapter 13 case, he would have to bring to the fi rst 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 certifi ed 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 fi rst 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

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 install-ments, 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 RESI-DENCE_lv

Lawrence Bautista Yang is a grad-uate of Georgetown University Law Center and has been in Law practice for thirty years.

He specializes in Bankruptcy, Business and Civil Litigation and has handled more than fi ve thousand successful bankruptcy cases in Cali-fornia. 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.

Client seeks Chapter 7 relief again for $48 credit cards

14 Visit www.Balita.com Weekend Balita, Sat.-Fri., March 19 - 25, 2016 Balita

OPINIONVatican 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 Euro-pean 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 infl icted 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 infl ux of people in a humanitarian man-ner 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.

The reported $81 million money launder-ing scandal has placed the country in a very bad light as far as the international banking community is concerned.

As of this writing, the Philippine gov-ernment has no idea how the huge amount of money has been withdrawn from a local branch of RCBC in Makati with-out 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 fi nd out if some RCBC officials were involved in the heist. The earlier government offi cials 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 o f En-rico Vasquez, Alfred Vergara, Michael Cruz and Jessie Christopher Lagrosas.Bank officials from Bangladesh who at-tended 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 mys-tery 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 manag-er has refused to issue a statement, most probably out of fear that she might incrim-inate herself in the crime, or she is protect-ing the interest of higher RCBC offi cials.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 offi cials of the Department of National Defense (DND) have been charged with plun-der before the Offi ce of the Ombudsman in con-nection with the multi-billion chopper deal.Let us wait and see if Ombudsman Con-chita 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 fi led by Rhodora Alvarez, an employee of the Bureau of In-ternal Revenue.

Alvarez testified in a Senate hearing two years ago, claiming that DND and Air Force offi cials 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 col-lusion came out, Gazmin and his “as-sociates” scrapped the deal to avoid e m b a r r a s s m e n t a n d p r o s e c u t i o n .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 noth-ing has been done about his case.Purisima is a disgrace not only to the Phil-ippine 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.

PHL hackers siphon laundered moneyPope slams governments who close doors to migrants

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 pre-vent 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 frontrun-ner 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 establish-ment—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 rub-ber-stamping the results of the primaries – acquire a critical infl uence over the nomination.

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 – Re-publican delegates – designated during the presidential primary process – will choose the party’s candidate for the November elec-tion 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 bro-kered convention. According to Republican party rules, each US state and a handful of territories send a certain number of dele-gates 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 al-ways reached the magic number needed to win the nomination.

This year, that number is 1,237 – the ma-jority 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 prima-ries – acquire a critical infl uence 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 fi rst round would not produce a majori-ty, and the vote would go to a second round.

“The majority of states free their dele-gates after the fi rst 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 them-selves, 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.

White House race: What is a brokered convention?

15Visit www.Balita.comBalita Weekend Balita, Sat.-Fri., March 19 - 25, 2016

ENTERTAINMENTMiguel 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 success-ful 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 Bi-anca, 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 apekta-do ’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 fl utter 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 Dub-smash Filipina.” Writer M. Julheri said they choose to feature Miguel because Indonesian girls fi nd him “cute.”

Bianca maintained, “Okay lang naman sa akin ’yun. Basta work tal-aga 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 show-biz careers, both are also busy with their studies. Miguel is a fi rst year college student at the De La Salle University-Dasmariñas taking up Entrepreneurship, while Bianca is still in Grade 9 at the Veritas Paro-chial School.

Miguel admitted he sometimes skips class because of tapings. “Min-san 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.

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 Rosa-rio only has praises for Miguel and Bianca.

“Marami na rin akong nakatraba-hong 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 fi nd themselves falling in love with each other. However, confl ict 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)

BiGuel chooses career over love

Miguel Tanfelix and Bianca Umali

16 Visit www.Balita.com Weekend Balita, Sat.-Fri., March 19 - 25, 2016 Balita

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Cypress, Calif., December 10, 2015 – Mitsubishi Motors North America, Inc. (MMNA) announced today that its redesigned and reengineered seven-passenger crossover, the 2016 Outland-er, has been named an IIHS TOP SAFETY PICK+ with the availability of Forward Collision Mitigation*. The Insurance In-stitute for Highway Safety is an independent non-profi t scientifi c

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, execu-tive 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.”

Standard safety features found on the Mitsubishi Outlander include seven air bags, Active Stability Control with Traction Control Logic, Tire Pres-sure 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, Mit-subishi 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 side-view mirrors, auto on/off headlights and front wiper de-icer.

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

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2016 Mitsubishi Outlander is IIHS’ ‘Top Safety Pick’

By Jon LinkovConsumer Reports

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

An easier solution: Simply deter-mine 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 elec-tronic 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 trouble-some and unreliable.

Of course, even for used cars we rec-ommend, 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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Best used cars now available in the market for less have to do is get down to Cars 911, where all used vehicle

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Alex Jacinto

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

19Visit www.Balita.comBalita Weekend Balita, Sat.-Fri., March 19 - 25, 2016

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 as-sumed that they’re state income taxes are about the same as the standard deduction (or more). I fi gure the average effective tax rate at 33% (with 9.3% Est Ca. tax). So, per $100K borrowed, inter-est 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 sepa-rate 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 fi xing. 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 es-tate, 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 fi nancing 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, home-owners 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 fi nd 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 con-sider 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 fi nd out exactly what their parameters are. Do not pay anything without fi nding 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 re-move your PMI when the Loan To Value reaches 78%.

Usually home owners will opt to refi -nance 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 confl ict 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 confl ict is if your Realtor is also your lender and they did not disclose on the contract or fi nal 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 562-508-7048 or write to Kennethgo@verizon.net. Thanks BRE 01021223 NMLS 238636

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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-FFree Pre-OOOwnedd Innvenntory SSale

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2016 Honda Accord LX

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TERZO“T”PALLEN

MOTORING

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 Mer-cedes-Benz for 10 years. Having sold roughly 2,500 cars in his lifetime – and only with Mer-cedes-Benz – the man clearly has car-selling down to a fi ne art.

He won “Salesman of the Year” numerous times and is known for going above and be-yond 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 ut-tered in a heartbeat. “I love helping people. You help as

many people as you can and the rest keep on.There’s one rule I follow: you don’t think about the money you make. It will

c ome . If you gen-uinely help peo-ple by giving them suffi -cient information, they see that and they come back to you.”

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

Fountain Valley, Calif., Mar. 15, 2016 – For the seventh year in a row, Hyundai is ranked No. 1 in the auto-motive category in the Brand Keys Customer Loyalty Index. Brand Keys, a New York–based customer loyalty and engagement consultancy, pub-lishes this annual syndicated study, which examines customers’ relation-ships 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 engage-ment, 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 1-888-718-7473. Better yet, drive down to Win Hyundai and feel the luxury of Sonata fi rst-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.

any people as you can and thest keep on.There’s one rule Ilow: you don’t think out the moneyu make. will

me . you gen-nely help peo-e by giving them suffi -

Raymond Orosa makes owning a Mercedes-Benz an easy feat

Hyundai ranks No. 1 in Brand Keys Customer Loyalty Index

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 typ-ical car salesman, and one of

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

“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.

Filipino-American

car salesman has

sold 2,500 cars – all

Mercedes Benz

automobiles

Photo: Angel Tahimik

24 Visit www.Balita.com Weekend Balita, Sat.-Fri., March 19 - 25, 2016 Balita

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.

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GU283978 EL MONTEGU285011 CARSON1 at this offer at each location

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1 at this offer at each location36 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.

GH325717 CARSONGH294460 EL MONTE

36 month closed end lease on above average approved credit. $3795 customer 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.

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2016 ChevroletCamaro 1LT Coupe

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1 at this offer G014058336 month closed end lease on above average approved credit. $3875 customer cash plus $1000 Chevrolet Conquest Program (Household member must be a current registered non-GM Owner/Lessee to qualify) equals $4875 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.

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016 Chevroletruze LLLLLLLLLimited 1LT

t this offer G7149951

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25Visit www.Balita.comBalita Weekend Balita, Sat.-Fri., March 19 - 25, 2016

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per month plus tax at 36 monthsper month plus tax at 36 months

Lease for onlyLease for only

ALL NEW 2016

$119per month plus tax at 39 monthsper month plus tax at 39 months

Lease for onlyLease for only

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.

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.

4 Dr,Automatic $129

ALL NEW 2016

EXL

ALL NEW 2016

2WD,Automatic

peper r mmommontnthh plplus taxax aaat t 393 mo

ALL NEW 2016 4 Dr,Automatic

pepeeep rr mmonthhh plp usus ttaaxaxaxx aat 3366 mmo

CHECK OUR FRIENDLY PRICED PRE-OWNED CARS! TEST-DRIVE NOW!

ANY CREDIT SITUATION,WE CAN HELP YOU.

BEST IN CLASS PAYMENTNO ONE OFFERS MORE! Mitsubishi Honda Toyota Nissan

56010100

5YR

5 YR/60,000 MILES BUMPER TO BUMPER WARRANTY

10 YR/100,000 MILES LTD POWERTRAIN LIMITED

WARRANTY 5 YR/UNLIMITED MILES

ROADSIDE ASSISTANCE

YESYESYES

ONLY 3/36ONLY 3/36NONE NONE NONE

ONLY 3/36ONLY 5/60

ONLY 3/36ONLY 5/60

CERRITOS MITSUBISHI

BUY FOR

$159LEASE FOR

+ tax 36 mos.

or

for 72 mos.0%OR

for 72 mos.0%

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

MSRP .............. $21,645 Customer Rebate $2,000 Loyalty Rebate ......$500 Military Rebate ......$500 MSRP .............. $23,845

Customer Rebate $1,000 Loyalty Rebate ......$500 Military Rebate ......$500

0 FINANCINGAVAILABLE ON SELECTED2014 & 2015 MODELS

NURSES PROGRAM AVAILABLE!

%

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.

‘07 MITSUBISHI ECLIPSE GS COUPE

WAS $10,900 $7,988Stk: S6976A

‘08 SCION XB BASE WAGON

WAS $12,999 $9,999Stk: S4972P

‘12 MAZDA MAZDA5 SPORT WAGON

WAS $11,988 $8,999Stk: C15688A

2014 HYUNDAI ELANTRA SEDAN

WAS $16,900 $13,800Stk: S6878P

‘13 FIAT 500 SPORT HATCHBACK

WAS $11,988 $8,999Stk: S12052B

‘13 MITSUBISHI OUTLANDER SPORT SE

WAS $17,800 $14,800Stk: V15110A

‘14 NISSAN VERSA NOTE HATCHBACK

WAS $14,800 $11,800Stk: S6957P

2015 MITSUBISHI

LANCER ES AUTO

2015 MITSUBISHI

outlander sports es 5 speed 2016 MITSUBISHI

outlander ES 7 seater

EGG-CELLENTEASTER SAVINGS

‘10 TOYOTA PRIUS II HATCHBACK

WAS $19,999 $19,790Stk: S10222P

‘13 HONDA CIVIC LX COUPE

WAS $15,900 $12,588Stk: C2858P

Toll Free 1-888-835-6136 10944 South St. Cerritos CA 90703

‘09 MITSUBISHI GALANT ES SEDAN

WAS $13,999 $9,988Stk: S12099A

NET COST

$12,499*

$15,199*

$189LEASE FOR

+ tax 36 mos.

or

UP TO

$18,199*

$109LEASE FOR

+ tax 36 mos.

or

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

2015 MITSUBISHI mirage de

BUY FOR

$8,399*

*Lease payment includes Loyalty and Military Rebates.

HUGE INVENTORY of 2015 EVOLUTIONS AND LAST YEAR OF PRODUCTION

NO PAYMENTS UNTIL JUNE 2016

28 Visit www.Balita.com Weekend Balita, Sat.-Fri., March 19 - 25, 2016 Balita

2015 NISSAN VERSA 2015 NISSAN VERSA NOTE 2015 NISSAN VERSA SVSALE PRICE $10,588

***COLLEGE GRAD DEALER CASH $600

*NISSAN CUSTOMER BONUS CASH $1,000

SALE PRICE $11,588***COLLEGE GRAD DEALER CASH $600*NISSAN CUSTOMER BONUS CASH $1,000JAN/FEB RETAIL OWNER COMM PROGRAM* $500

SALE PRICE $23,098

***COLLEGE GRAD DEALER CASH $600

NMAC APR CASH $500

SALE PRICE $24,988

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

Air Conditioning/ABS/AM/

FM/CD & More!

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

door locks/AM/FM/CD!

4cyl 4cyl

NET COSTT0 YOU:

NET COSTT0 YOU:

NET COSTT0 YOU:

Model#11155 Model#11455 Model#11215

2 at this net costFL917044, FL913148

*Nissan Customer cash in lieu of special financing.

2 at this net costFL374750, FL389345

*Nissan Customer cash in lieu of special financing.**Must finance thru NMAC

1 at this net costFL932753

*Nissan Customer cash in lieu of special financing.**Must finance thru NMAC.

$8,988 $9,988 $11,988

2015 NISSAN SENTRA 2016 NISSAN ALTIMA2015 NISSAN SENTRA

2016 NISSAN FRONTIER CREW CAB 2015 NISSAN QUEST2015 NISSAN ALTIMA

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

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

Includes $600 College Grad dealer Cash***, $250

NMAC APR CASH**, $1,000 NISSAN CUSTOMER

BONUS CASH*, *****NISSAN CUSTOMER CASH $1,000

Includes $600 College Grad dealer Cash***, $750

NMAC APR CASH**, $1500 NISSAN CUSTOMER

CASH*, *****NISSAN CUSTOMER BONUS CASH $1,000

Power windows/Power door

locks/AM/FM/CD & More!

Automatic/Air Conditoning/ABS/ Power windows/

Power door locks /AM/FM & much more!

Automatic/Air Conditioning/Power windows & locks,

Cruise/AM/FM/CD/3rd Row Seat & much more!

Automatic/Air Conditoning/Power windows/Power

door locks/AM/FM & much more!

AUTOMATIC!

Automatic/Air Conditoning/Power windows/Power

door locks/AM/FM & much more!

4cyl 4cyl

NET COSTT0 YOU:

NET COSTT0 YOU:

Net Savingsoff MRSP

NET COSTT0 YOU:

SALE PRICET0 YOU:

Net Savingsoff MRSP

Model#12065 Model#13016

Model#12315

Model#32116 Model#55115

Model#13315

2 at this net costFY265895, FY268974

*Nissan Customer cash in lieu of special financing.**Must finance thru NMAC.

2 at this net costGC115697, GC126765

*Nissan Customer cash in lieu of special financing.**Must finance thru NMAC.

2 at this savingsFY312025, FY339390

2 at this net costGN719533, GN720024

*Nissan Customer cash in lieu of special financing.**Must finance thru NMAC.

2 at this net costF9122507, F91281155

*Nissan Customer cash in lieu of special financing.

1 at this savingsFN900609

$11,988 $16,9882 t thi i

$6,000

$21,9882 t thi t t

$23,988$8,000 4cyl

Hurry! Call us now!

661-644-0944

Manuel LavaInternet/Fleet Manager

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.

www.nissanofmissionhills.com

888-588-763511000 Sepulveda Blvd.Mission Hills, CA 91345

WE SERVE ALL AAA, COSTCO, AARP, CREDIT UNION, SAM’S CLUB MEMBERS

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

EASTER SALE HOP into

29Visit www.Balita.comBalita Weekend Balita, Sat.-Fri., March 19 - 25, 2016

Driving People Happy

SUBARU OF GLENDALE 1308 S Brand Blvd, Glendale, CA 91204

www.SubaruofGlendale.net

855-230-1547

“Tawag na!”Christian Marilla Finace Manager

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

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

ru Love Spring Event is here. Get a great deal on a new Subaru vehicle, like the 2016

and enjoy Subaru Symmetrical All-Wheel Drive + 36 mpg.13 Hurry in before March 31.

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, no pressure sales staff. Whether it’s love at first sight or after your test drive,

you’ll have a great experience and leave with a grin on your face.

NOW SERVING SMILES AT SUBARU OF GLENDALE

$799 Down Payment

$0 Security Deposit

$0 First Months Lease Payment

$799 Total Due Lease Signing

(tax, title, license & doc fees extra)

Model Code GFB-02

Offer Expires 03/31/16

197$PLUS TAX PER MONTH LEASE/ 42 MONTHS/10,000 MILES PER YEAR

2016 SUBARU FORESTER 2.5i CVT Alloy Wheel Package

LEASE OFFER

TH LEASE/

$1,699 Down Payment

$0 Security Deposit

$0 First Months Lease Payment

$1,699 Total Due Lease Signing

(tax, title, license & doc fees extra)

Model Code GAD - 11

Offer Expires 03/31/16FINANCE OFFER 0% limited term financing on ALL NEW 2016 Legacys in stock

197$PLUS TAX PER MONTH LEASE/ 36 MONTHS/10,000 MILES PER YEAR

LEASE OFFER

2016 SUBARU LEGACY 2.5i Premium CVT

ONTH LEASE/00

“Tawag na!”Christian MarillaFinace Manager

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

LEASE OFFER

$2,799 Down Payment

$0 Security Deposit

$0 First Months Lease Payment

$2,799 Total Due Lease Signing

(tax, title, license & doc fees extra)

Model Code GUS - 02

Offer Expires 03/31/16

337$PLUS TAX PER MONTH LEASE/ 42 MONTHS/10,000 MILES PER YEAR

2016 SUBARU WRX STI

MONTH LEASE/000

AR

LEASE OFFER

$1,199 Down Payment

$0 Security Deposit

$0 First Months Lease Payment

$1,199 Total Due Lease Signing

(tax, title, license & doc fees extra)

Model Code GJF - 11

Offer Expires 03/31/16FINANCE OFFER 1.49% limited term financing on ALL NEW 2016 Imprezas in stock

197$PLUS TAX PER MONTH LEASE/ 36 MONTHS/10,000 MILES PER YEAR

2016 SUBARU IMPREZA 2.0i Premium CVT

LEASE OFFER

$2,299 Down Payment

$0 Security Deposit

$0 First Months Lease Payment

$2,299 Total Due Lease Signing

(tax, title, license & doc fees extra)

Model Code GRC - 12

Offer Expires 03/31/16FINANCE OFFER 1.49% limited term financing on ALL NEW 2016 Crosstreks in stock

197$PLUS TAX PER MONTH LEASE/ 42 MONTHS/10,000 MILES PER YEAR

2016 SUBARU CROSSTREK 2.0iPremium CVT

M d l C d GRC

MONTH LEASE/000R

SIGN AND DRIVE

$0 Down Payment

$0 Security Deposit

$0 First Months Lease Payment

$0 Total Due Lease Signing

(tax, title, license & doc fees extra)

Model Code GFI-21

Offer Expires 03/31/16FINANCE OFFER 1.49% limited term financing on ALL NEW 2016 Foresters in stock

277$PLUS TAX PER MONTH LEASE/ 42 MONTHS/10,000 MILES PER YEAR

2016 SUBARU FORESTER 2.5i Limited

TH LEASE/

MONTH LEASE/000R

30 Visit www.Balita.com Weekend Balita, Sat.-Fri., March 19 - 25, 2016 Balita

084 MOS.%APR

On Approved Credit*Excludes advertised vehicles

FINANCING ON ALL2015 AND SELECT

NEW 2016 MODELS.

puente hills mitsubishi17665 Castleton St. City of Industry www.PuenteHillsMitsubishi.com

1.866.400.1067ALL FREEWAYS LEAD TO

PUENTE HILLS AUTO CENTER

Puente Hills Mitsubishi

2013 Kia Forte 150599A/739589 ....................................$7,9882014 Mazda Mazda 2 5919P/017415 .............................$8,9882008 Mitsubishi Eclipse 5914P/007530 ..........................$8,9882014 Mitsubishi Mirage 5942P/009009 ..........................$8,9882013 Ford Focus 5872P/196748 .....................................$9,9882011 Mini Cooper 5893P/099206 ...................................$9,9882007 Nissan Murano 5895P/505384 ............................$11,9882012 Chevrolet Colorado 5933P/149983 ......................$12,9882013 Ford Escape 5941P/D11388 ................................$12,9882011 Kia Sorento 5855P/075423 .................................$12,9882013 Nissan Sentra 5931P/687216 ..............................$13,9882014 Mitsubishi Outlander Sport 5824P/003925 ..........$13,9882009 Mercedez-Benz CLK350C 5840P/262360 ............$13,9882015 Volkswagen Jetta 594OP/355620.........................$13,988

F

N

DOUBLE YOUR

$1000*UP TO

*EXCLUDES ADVERTISED VEHICLES

“Hanapin nyo lang po ako.”

MIRAGENEW 2015 MITSUBISHI

$977

$69 PER MO + TAX

OR LEASE FOR

NET COST

$8,788

OUTLANDER SPORT

NEW 2015 MITSUBISHI

OUTLANDER SPORT

NEW 2015 MITSUBISH

$139 PER MO + TAX

OR LEASE FOR

NET COST$15,588

LANCER EVOLUTION GSRNEW 2015 MITSUBISHI

$349 PER MO + TAX

OR LEASE FOR

SALE PRICE

$37,488

6 BIG DAYS!

WEDMAR 23RD

THUR MAR 24TH

FRIMAR 25TH

SATMAR 26TH

SUNMAR 27TH

MONMAR 28TH

MMMMMMMMMAAAAAAAAANNNNNNNNNAAAAAAAAAGGGGGGGGGGEEEEEEEEERRRRRRRRR SSSSSSSSSSPPPPPPPPPEEEEEEEEECCCCCCCCCCIIIIIIIIIAAAAAAAAALLLLLLLLL!!!!!!!!! 2007 TOYOTA TACOMA X-RUNNER

$19,988(5903P/333824)

WE WANT YOUR CLUNKER RUNNING OR NOT! $1500*

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

*excludes advertised vehicles.

WE WILL FINANCE ANYONE OAC * OAD *

IF WE CAN’T FINANCE YOU,YOUR CAR IS FREE!***

2012 Hyundai Sonata 5945P/062974 ...........................$13,9882015 Nissan Altima 5923P/120648 ..............................$14,9002005 Chevrolet Silverado 1500 Crew 5822P/269737 ....$14,9882013 Chevrolet Volt 5883P/106304 ...............................$14,988 2012 Nissan Rogue 5831P/386786 ..............................$14,9882011 Ford E350 SuperD 5892P/808593 .......................$16,9882013 Scion FR-S 5938P/707517 ..................................$16,9882009 BMW 335i 5748P/L87234 ...................................$18,9882014 Chevrolet Camaro 5882P/191224 ........................$18,9882013 Audi A4 5864P/004050 .......................................$21,9882011 Merecedez-Benz ML350 5867P/675073 ..............$22,9882009 GMC Yukon 5896P/192687 .................................$22,9882014 Nissan Frontier 5929P/772861 .............................$23,988

‘08 NISSAN VERSA$109

5932P/403988

per mo +tax

84 mos, 3.99% APR, On Approved Credit

$0 DOWN

84 mos, 3.99% APR, On Approved Credit

$0 DOWN

‘11 MINI COOPER

$139150549A/098017

per mo +tax

84 mos, 3.99% APR, On Approved Credit

$0 DOWN

‘14 CHRYSLER 200

$1695939P/157904

per mo +tax

84 mos, 3.99% APR, On Approved Credit

$0 DOWN

‘14 Volkswagen BEETLE

$1695926P/636202

per mo +tax

84 mos, 3.99% APR, On Approved Credit

$0 DOWN

‘15 Volkswagen JETTA

$1795927P/355708

per mo +tax

84 mos, 3.99% APR, On Approved Credit

$0 DOWN

‘13 FORD FOCUS

$1195872P/196748

per mo +tax

84 mos, 3.99% APR, On Approved Credit

$0 DOWN

‘08 MITSUBISHI ECLIPSE$119

5914P/007530

per mo +tax

84 mos, 3.99% APR, On Approved Credit

$0 DOWN

‘13 KIA FORTE$129

150599A/739589

per mo +tax

$49 DOWNDELIVERS ANY VEHICLE

WE FINANCE ANYONE!*YOUR JOB IS YOUR CREDIT!

OAC/OAD

MITSUBISHI OUTLANDER$159

NET COST

$19,888

PER MONTH 47 MONTHS

NEW 2016

editcles

ON ALLELECCTTTT ODELSS.

ALEX JACINTO Filipino Sales

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

31Visit www.Balita.comBalita Weekend Balita, Sat.-Fri., March 19 - 25, 2016

‘12 NISSAN SENTRA 4DR SDN I4 CVT 2.0 SR

$11,995VIN: 3N1AB6APXCL680688 STOCK: X60045A

‘13 TOYOTA COROLLA 4DR SDN AUTO S

$13,777VIN: 5YFBU4EE1DP136884 STOCK: X50726

‘16 HYUNDAI ELANTRA 4DR SDN AUTO LIMITED PZEV

$15,995VIN: 5NPDH4AE4GH692305 STOCK: X51537

‘08 BMW 535I SEDAN

$16,995VIN: WBANW13508CZ81567 STOCK: X60173

‘07 MERCEDES-BENZ GL450 SUV

$17,945VIN: 4JGBF71E27A139623 STOCK: X60123

‘13 NISSAN MURANO 2WD 4DR S

$18,495VIN: JN8AZ1MU8DW209359 STOCK: X60261

‘07 LEXUS RX 350 AWD 4DR

$13,495VIN: 2T2HK31U37C039385 STOCK: X60416

‘15 HYUNDAI ELANTRA 4DR SDN AUTO LIMITED PZEV

$14,295VIN: 5NPDH4AE7FH572397 STOCK: X60304

‘14 TOYOTA COROLLA 4DR SDN MAN L

$14,495VIN: 5YFBURHE0EP073125 STOCK: X51472

‘12 TOYOTA CAMRY 4DR SDN I4 AUTO L

$15,495VIN: 4T1BF1FK3CU179097 STOCK: X60343

‘12 MAZDA CX-7 FWD 4DR I SPORT

$12,495VIN: JM3ER2B51C0413766 STOCK: X60284

‘12 TOYOTA CAMRY HYBRID 4DR SDN XLE

$12,995VIN: 4T1BD1FK7CU055064 STOCK: X60308

‘13 SCION XD 5DR HB MAN

$11,495VIN:JTKKUPB43D1039227 TOCK: X60356

‘08 MERCEDES-BENZ C300 4MATIC SPORT SEDAN

$13,250VIN: WDDGF81X88F059576 STOCK: X50159

For Car Emergency, Call:

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

‘05 MERCEDES-BENZ C240 SDN

$4,995VIN: WDBRF61J65A666120 STOCK: X60083

‘13 TOYOTA COROLLA 4DR SDN AUTO LE

$13,995VIN: 5YFBU4EEXDP133126 STOCK: X60352

‘09 HONDA CIVIC GX SEDAN

$10,995VIN: 1HGFA46529L000841 STOCK: X60118

‘07 TOYOTA RAV4 2WD 4DR 4-CYL

$11,495VIN: JTMZD33V575049681 STOCK: X60219

“Tawag na sa Filipino Department. Hanapin nyo lang po kami! “

Joel Paguio Cell: (323) 547-5394

Jose Villanueva Cell: (213) 500 -1260

Call Kabayan Jose V. at (213) 500.1260 or Kabayan Joel P. at (323) 547.5394

Over 500 Pre-owned to choose from!We’ll

help you get a car!

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

More than 25 banks are ready to approve! Bad Credit! No Credit! Fair Prices!

*$250 Off SPECIAL!FOR WEEKEND BALITA READERS!

Excellent Easter Sale

‘00 HONDA ODYSSEY LX

$5,995VIN: VIN: 2HKRL1859YH585633 STOCK: X60400

‘09 LEXUS IS 250 4DR SPORT SDN MAN RWD

$16,995VIN: JTHBK262492093127 STOCK: X60275

32 Visit www.Balita.com Weekend Balita, Sat.-Fri., March 19 - 25, 2016 Balita

Mercedes-Benz of Encino

Call 818.536.2413 Email: rorosa@mbencino.comOur Financing is as low as .99% APR.

$19,988Stk#: 66188T

2009 MB CLK350 3.5 CABRIOLET

$29,988Stk#: 66168C

2014 MB C250 2Dr Coupe

$33,988Stk#: 66097C

2013 MB E350 Sport Sedan

$36,888Stk#: 66050C

2014 MB E350 Sport Sedan

$41,988Stk#: 66093C

2014 MB SLK250 ROADSTER

$45,888Stk#: 65729C

2014 MB E350 Cabriolet

$41,988Stk#: 66098C

2014 MB SLK250 Roadster

$43,988Stk#: 65993P

2015 MB C300 Sedan

$35,988Stk#: 66178C

2014 MB GLK350

$36,888Stk#: 66152C

2012 MB ML350 BlueTEC

$38,988Stk#: 66166C

2014 MB E350 2Dr Coupe

$33,988Stk#: 66179C

2013 MB GLK350

$32,888Stk#: 66041C

2013 MB GLK350 4MATIC

$34,888Stk#: 66068T

2015 MB GLA250 4MATIC

$28,988Stk#: 66107C

2012 MB E350 2Dr Coupe

$29,888Stk#: 66061T

2014 MB CLA250 4Dr Coupe

$32,888Stk#: 66025C

2014 MB GLK350 RWD

$21,988Stk#: 66203T

2010 MB ML350

$26,888Stk#: 66108C

2012 MB GLK350

$27,988Stk#: 66213C

2013 MB C250 SPORT RWD

818.536.2413 Mercedes-Benz of Encino

16721 Ventura Blvd. Encino CA 91436 mbencino.com

by

Mercedes-BenzMMeerrcedes BBBeennnzz

Raymond Orosa Filipino Sales

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