CHAPTER 13 is a reorganization of your financial affairs where you pay a portion of your debts over 36 months or 60 months depending on where your household income is. If it’s over the state median for the same size family as yours following current government statistics, then it’s 60 months. If not, it’s 36…
TOUGH financial times caused by the pandemic are pushing strapped consumers over the edge. Delinquencies and balances on delinquent credit cards are on the rise again. Faced with layoffs and difficult economic times, a lot of people are resorting to use of their credit cards to pay for basic living expenses such as food and…
“THE Spirit of the Lord is upon me, because he has anointed me to bring glad tidings to the poor. He has sent me to proclaim liberty to captives and recovery of sight to the blind, to let the oppressed go free, and to proclaim a year acceptable to the Lord.” These were Jesus’ words…
MAYOR Eric Adams touted the city’s numbers at a briefing on Tuesday, Jan. 18 saying that 16 million doses have been administered, including 2.5 million booster shots, and that the number of COVID cases is beginning to drop. “We have not won yet,” Mayor Adams said, “but we are winning.” “The level of cases in…
EILEEN Viray Alcones was raised in the heart of the East Bay after her parents immigrated to the United States from the Philippines to live out their American dream. Now, as the newly created Community Manager in San Leandro for JPMorgan Chase, Alcones is working with the local community to help them reach their financial goals. “My mom…
ALMITA’S father petitioned her in 2001. However, before her visa was issued, her father died on Christmas Eve of 2014. This resulted in the petition being “revoked.” Her previous lawyer suggested that the family lie about the petitioner’s death, pretending he was alive, and continue pursuing the case. However, Almita’s mother did not want to…
EVER since she made was introduced to the masses, Carmina Villaroel and acting seemed to be a match made in heaven. Her ability to cry buckets in dramatic TV scenes and tearjerker movies, plus her willingness to tackle different roles, had audiences pulling for her, and earned her respect among her peers. Her fairytale wedding…
A big cash prize is waiting for you ROHNERT PARK – Goodbye 2021, win BIG in 202! Graton Resort & Casino will host the “New Year New Winnings Cash Giveaway” on Friday, January 28. Drawings will be at 7 p.m. and 9 p.m. One lucky winner at each drawing wins $25,000 cash guaranteed. Plus, 20…
WHEN the coronavirus pandemic went into full force in early 2020, health care workers were lauded for being the frontline warriors against the highly contagious and deadly virus. Nurses, doctors, EMTs, and other hospital staff were in the thick of the most concentrated centers of infection, prompting social media campaigns and PR efforts to show…
AS the whole world feels battle fatigue and desperation in fighting the nearly two-year war against COVID-19 and its variants, a little bit of victory in some battles gives some European countries a bit of impetus to change their strategies and tactics in order to keep the momentum of rebuilding their nations going. And Americans…
(1st of 2 parts) LONG ago in the island of Crete, there lived a man named Daedalus, who was famed for his skills as an inventor. He worked for King Minos. Foremost among his many achievements was building the labyrinth in which the king kept the Minotaur, a fearsome, legendary beast which was half-man and…
MANY people are of the perception that simply downloading a prenuptial agreement from the internet and signing it with their fiance offers them a bullet proof protection from a divorce. What many people do not know is that certain statutory requirements must be met in order for the prenuptial agreement to be valid and to…
The De Vera-Javier Family * Emerald Lantern Group * Pangasinan Brotherhood-USA sadly announce the passing of our dear Rosemarie De Vera-Javier (April 4, 1961 – January 15, 2022) (Daughter of the late Rustico de Vera of Mangaldan, Pangasinan & Zenaida Osorio Rosario-de Vera of San Carlos, Pangasinan) 1980 Mutya ng Pilipinas Movie Actress Singer Community Leader Philantropist…
NEW YORK — In recent months, mobile covid-19 testing tents and vans have sprouted on urban sidewalks and street curbs as demand has skyrocketed in response to the rapid spread of the omicron variant. Some of the sites run by private companies offer legitimate, timely and reliable results, but others are more like weeds. High…
By Sunita Sohrabji/Ethnic Media Services CALIFORNIA Governor Gavin Newsom recently announced his plan for universal healthcare, which would extend coverage to the state’s 1.1 million undocumented residents. If approved, California would be the first state in the nation to provide universal health care. Speaking at the Clinica Sierra Vista’s Lamont Center in Kern County, an…
STARTING this week, residents in the United States can order free at-home rapid COVID-19 testing kits from the federal government. As part of the White House’s initiative to deliver rapid tests to Americans amid the latest surge, the website (www.covidtests.gov) to place orders went live on Tuesday, January 18, a day earlier than previously announced….
When you set up your own business, you have a choice of operating as a sole proprietorship, partnership, corporation or LLC. How do you select which entity is most beneficial for you? Choosing the wrong form could cause unnecessary taxes, increased liability, and unnecessary exposure to lawsuits. What you should not do is listen to…
MANY people are of the perception that simply downloading a prenuptial agreement from the internet and signing it with their fiance offers them a bullet proof protection from a divorce. What many people do not know is that certain statutory requirements must be met in order for the prenuptial agreement to be valid and to…
NEARLY two years after the first coronavirus-related anti-Asian hate incident was reported in California, the Asian American and Pacific Islander (AAPI) community continues to be targeted in hate incidents and hate crimes, especially in areas with highly concentrated AAPI communities. According to a new survey from the Asian Youth Center (AYC) and the legal and…
JUST when we all hoped and prayed 2022 would be the year we would finally claim back our lives disrupted by the coronavirus pandemic, we now face the daunting reality — that the virus is still here, supercharged, reinventing itself into new variants, spreading faster than ever before. If you are on social media, you…
There is so much richness of meanings in this Sunday’s (January 16) Gospel that it would be difficult to point out just one particular thrust. However, it’s understandable because the Gospel of John is known to be full of signs and symbols that represent profound theological insights. But what impresses me about this story are…
Sevag Chalian worked as a pharmacist for CVS Pharmacy Inc. Chalian and other pharmacists are required by CVS to complete “mandatory training modules.” The employees were instructed to complete their training modules at home and CVS provided them remote access. The California Board of Pharmacy did not require these training for licensing purposes. Only CVS…
IS there such a thing as “good” debt? Sure there is. Debt can get you a higher education and get you a profession. By higher education, I mean college and graduate school, including the professions. Let’s say you’re about to graduate from high school and you want to become a medical doctor, a physician. You…
More than 40,000 positive cases reported AS positive coronavirus cases in Los Angeles County continue to rise, county officials are warning the public against “non-essential activities” in the coming weeks. “While we’re in the surge, we do ask that you exercise more caution, even if you’re vaccinated and boosted,” LA County Public Health Director Barbara…
AS a bankruptcy attorney, I am often asked: “How will filing bankruptcy change my life?” I think people ask this question because of the negative things that they may have heard about bankruptcy from their friends, family, co-workers, and neighbors. They think that a bankruptcy means that they will be forever looked upon as outcasts…
