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Home General Interest

General Interest

Emergency – are you prepared?

EVERY year we face possible disasters – wildfires, earthquakes, tornadoes, hurricanes and winter storms. If a disaster strikes your home, are you and your family prepared? Do you know where important documents, medications, and essential supplies are in case you have to evacuate? Do you and your family know how you would get out of your house, what you would do with your pets, where you meet each other if you get separated? Do you have a single point of contact you can call to let others know you’re safe?

If not, now is the time to prepare. Don’t wait until faced with a disaster to begin thinking about emergency preparations.

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Converting Chapter 13 to Chapter 7

LAST week we discussed the conversion of a chapter 7 case into chapter 13. Today we discuss converting a chapter 13 case to chapter 7. Many debtors who want chapter 7 relief are not eligible either because they fail the chapter 7 means test, or the liquidation analysis, which shows that they have substantial, that are not exempt. These debtors usually have household incomes that are above the median in California. The means test is an objective way of computing disposable income based on IRS standards. This device has many critics because sometimes the result of its application is ridiculous. For instance, a debtor with several dependents will benefit from its application because debtor can claim the higher IRS allocation for rent even if debtor’s actual rent is lower. If debtor has 4 dependents his means test rent is at least $1,400 monthly. If the rent he actually pays is only $700, he can claim the difference of $700 as additional expense when determining disposable income under the means test. On the other hand, a debtor who is married without dependents who actually pays rent of $2,900 can only deduct the amount of $1,100 for rent under the means test. In this situation, the difference of $1,800 of non deductible expense can knock the chapter 7 case into a chapter 13 unless debtor has more qualifying expenses to offset $1,800 because substantial disposable income may result from the fact that only $1,100 of the $2,900 rent is deductible under the means test.

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Helping the seriously injured

IF YOU were injured due to the fault of another, you have the right to file a claim for damages to compensate you for these injuries. Usually, this involves a claim with insurance companies, particularly when the injury arose from an auto accident, a slip or fall in a house or building, a dog bite, or from a defective product.

A serious injury results in serious consequencesto the injured person and his/her family. It may meancontinued medical care, and the responsibility to pay past and future medical expenses. With health insurance companies getting stingier than ever, the out-of-pocket expenses have increased. A serious injury may also mean the loss of earnings as the injured person is not able to work or may face the possibility of losing his/her job.

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Log off and enjoy your hot chocolate

"The happiest people don’t have the best of everything… They just make the best of everything that they have."

—Author Unknown

(The article below is a personal favorite.)

I SKIM and scan FWD messages when I can. I’m not big on forwarding stuff, leaving that for others to do. I still prefer personal one-liners. Communication has become efficient, almost done by rote, and sometimes borders on the cold and impersonal. I still don’t enjoy being part of a network to be used for someone’s purpose or agenda. There’s a stubborn part of me that rebels and chafes at becoming part of a statistic or used for a purpose to advance someone’s agenda. We’ve all become easy targets for privacy intruders. Nothing seems sacred or private anymore. There’s more than enough out there in the public records to fill a dossier on anyone with an SSN. We are living in the Information Age and the currency we trade in are bits and bytes of information. It’s like living in glass houses these days. There’s too much transparency and I am becoming resentful. No wonder our sense of mystery and awe at anything in this life is fast eroding. That is why I regard social networking with a bit of trepidation and suspicion. And frankly, who’s got the time? I am probably one of a vanishing breed, always itching to get out of the virtual world and into the real world of doing things, creating, fixing, cooking, gardening, making memories and connecting personally and laughing until my sides are nearly split. By choice, I am offline and often unwired on the weekends. My personal motto these days: LOG OFF AND LIVE.

There’s so much living yet to do: so many recipes to try, seeds to plant, topiaries to shape, weeds to pull, walls and blank canvasses to paint, places to see, photos to shoot, plays to watch, games to play, puzzles to solve and mysteries to unravel, books to read, people to meet, goals to achieve, skills to learn and courses to take, stuff to give away, stories to write, naps to take and a thousand and one more things to feel, see, touch, taste, hear and soak in before the end game. With all that’s in the past, life still feels like a tabula rasa —lots of living to do, so little time. Sigh.

It doesn’t help that the virtual world encroaches. If you spend even only a few hours on the internet each day, then you are a de facto active, living, breathing denizen of Cyberville, part of the audience of the world stage. Witness Susan Boyle’s instant global fame in the audition of "Britain’s Got Talent," which has over 50 million hits on youtube in a matter of days. What we see is a frumpy, dowdy old maid from Scotland who lives alone with her cat, a complete unknown, wowing the judges, even snarky Simon Cowell and pretty much the skeptic audience and the rest of us in Cyberville. By her plaintive song, her magnificent singing and just by being true to herself, the world sat up and took notice. How many can do that these days? Boyle has become somewhat of a phenom for our times, which prompted one wag of a British publication, to ask the question of our obsession with sexy, good looks: "Is Susan Boyle ugly or are we?"

Personally, I am rooting for her and every Charisse Pempengco, every Arnel Pineda and every phenom who whacks us out or our smug ways and wows us via the great equalizer and media decimator —youtube. I am hoping fame and fortune don’t change their core beings overly much. If we permit it though, the virtual world can usurp reality. We tend to spend inordinate number of hours glued to the screen. We’ve seen how the last US election played out over the internet and how the new rules for power, money, media and political gamesmanship are all being rewritten right before our very eyes. God forbid a chilling scenario for one megalomaniac individual with a lust for power and omnipotence, to muster enough resources and harness the power of the web to shape minds, move people to action and rule the world by Blackberry or iPhone. China foresees this and similar to its effort to stave off the incursion of enemies in its domain during its long history by building the Great Wall, it is doing all it can to firewall, censor, block or neutralize this unstoppable force, particularly youtube, with a cadre of internet police. The threat is real.


Until that purely imaginary fateful day and just for the moment, I am picking and choosing from the constant flow of messages in my inbox, only this one below. We receive forwarded jokes, prayers, stories, photos, news, slideshows, petitions and everything else that goes round and round unregulated on the internet loops. Some are for laughs, others inform while some can make you think harder or even take action. Pet peeves are those that are pure drivel and chain emails with a punitive clause, like a curse of bad luck, if you fail to forward. For malevolent messages and all the rest of the junk from scammers promising riches, simplify your cyberlife and hit DELETE. Do not engage.

Sometimes a golden nugget comes through that deserves to be amplified. So simple, it hits you right between the eyes. I searched for the author’s name but like many other pieces flung by anonymous, creative beings in Cyberville, authorship is largely unknown and unclaimed. To the originator of this metaphor then, whoever you are and wherever you may be, please accept a profound thank you, from the rest of us. Here it is.

The Hot Chocolate Story

A group of graduates, well established in their careers, were talking at a reunion and decided to go visit their old university professor, now retired. During their visit, the conversation turned to complaints about stress in their work and lives. Offering his guests hot chocolate, the professor went into the kitchen and returned with a large pot of hot chocolate and an assortment of cupsporcelain, glass, crystal, some plain looking, some expensive, some exquisite—telling them to help themselves to the hot chocolate.

When they all had a cup of hot chocolate in hand, the professor said: ‘Notice that all the nice looking; expensive cups were taken, leaving behind the plain and cheap ones. While it is normal for you to want only the best for yourselves, that is the source of your problems and stress. The cup that you’re drinking from adds nothing to the quality of the hot chocolate. In most cases it is just more expensive and in some cases even hides what we drink. What all of you really wanted was hot chocolate, not the cup; but you consciously went for the best cups... And then you began eyeing each other’s cups.

Now consider this: Life is the hot chocolate; your job, money and position in society are the cups. They are just tools to hold and contain life. The cup you have does not define, nor change the quality of life you have. Sometimes, by concentrating only on the cup, we fail to enjoy the hot chocolate we have. The happiest people don’t have the best of everything… They just make the best of everything that they have.

Live simply. Love generously. Care deeply. Speak kindly.

And enjoy your hot chocolate!

But first, LOG OFF.

* * *

Nota Bene: To ask questions, send feedback and requests as well as to inquire about advertising in any or all of the 6 print editions of Asian Journal in California, Nevada and New York/New Jersey and/or advertising in the Print Edition Online of Asian Journal, e-mail monette.maglaya@ asianjournalinc.com thank you to those who gave feedback.

( www.asianjournal.com )

( Published November 4, 2009 in Asian Journal Northern California p. B2 )

How to take care of dentures

DENTURE adhesive can provide additional retention for well-fitting dentures. Denture adhesives are not the solution for old, ill-fitting dentures. A poorly fitting denture, which causes constant irritation over a long period, may contribute to the development of sores. These dentures may need a reline or need to be replaced. If your dentures begin to feel loose, or cause pronounced discomfort, consult with your dentist immediately.

Dentures are very delicate and may break if dropped even a few inches. Stand over a folded towel or a basin of water when handling dentures. When you are not wearing them, store your dentures in a denture container away from children and pets.

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Page 4 of 111
Converting Chapter 13 to Chapter 7
LAST week we discussed the conversion of a chapter 7 case into chapter 13. Today we discuss converting a chapter 13 case to chapter 7. Many debtors...
Unfair insurance tactics worsen consumers’ financial hardships
(Part 2)Last week we discussed a report from the American Association for Justice (AAJ) which detailed some of the tricks that insurance companies...
The gift of a grateful heart
"Gratitude is the heart’s memory." — French Proverb (A few years ago, I received a call from a Native American gentleman in Northern...
A tribute to friendship
I’ve decided to devote this article to some friends whose presence in my life remind me once in a while that true friendship is a treasure...
Delaware catholic diocese files for bankruptcy relief
THE Catholic diocese of Wilmington, Delaware filed for Chapter 11 bankruptcy protection earlier this week on the eve of a civil trial involving...
Are employers mandated to provide sick leave benefits to employees?
Q: I work for a company for more than 3 years. When we are sick, we can take the day off but we are not paid. I have friends in other companies who...
LuzViMin Association of Northern California’s Annual ‘White Christmas Ball’
Everything is set for the annual “White Christmas Ball” of the Luzon Visayas Mindanao (LuzViMin) Association of Northern California on Saturday,...
Are employees entitled to privacy at work?
THE United States and California Constitutions guarantee the right to privacy. The right to privacy presumably imposes limitations on an employer’s...
Worried about your credit score?
When you land as an immigrant in America, you have no credit history here.  So, when you apply for a credit card, your credit report will be...
The importance of funding a living trust
AFTER long planning and excessive delays, you finally did your living trust! You think your assets and loved ones are safe and protected from the...
Setting children for financial success
My daughterwas about 7 when she asked me to buy her something and Itold her that we needed to first save for it. She responded saying, "Why don’t...
Still Seeking the Light in a Season of Darkness
“The only thing necessary for the triumph of evil is for good men to do nothing.” - Edmund BurkeI am reprising this article, which was earlier...
Sick Caregiver – Feng Shui Case Study
CLAIRE recently called and told me that she’s called before, almost ten years ago. Though interested in a feng shui consultation, something always...
Top ten steamy showbiz dads
Once again, I’d like to thank everyone who supported the Beautiful Life! Event--AToast to Ruffa Gutierrez last June 28. It’s very humbling to see...
Beauty with a Purpose
DURING HOLY WEEK it’s customary for us Christians to do some soul searching. It’s time to slow down and reflect. In such period of introspection,...
Is a gift card dischargeable in BK?
THE 74-year-old debtor applied for a Lowe’s credit card on March 15, 2008. She said she had an annual income of $48,000. But her true income was...
False Prosperity
The economic and debt problems of our country have been highlighted in the last two weeks. Very large and very old banks as well as the largest...

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Balikbayan Magazine Issue 9 Vol. 1 November

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