Giving is good for the soul

“ONCE our wealth reaches a certain point we need to begin to give some of it away—not because others need it but because our own health and happiness will begin to deteriorate if we hoard all of those possessions to ourselves.” — Fr. Ron Rolheiser, In Exile, Center for Liturgy, St. Louis University This quote from…

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Series for seniors: Part 15 ways to get health insurance

SENIORS who are 65 and older have 5 ways of getting health insurance. What are they? Employerbased insurance, Covered CA, outside of Covered CA (also known as Off Exchange), MediCal and Medicare solutions. Employer-based insurance is an employer offered health plan available to employees and their dependents. If a senior has one like this, the…

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Client files adversary against debtor for $370K

Senior files chapter 7 to discharge $40K credit cards CLIENT is a foreign company doing business with a California company since 2012. Client is one of the world’s largest manufacturers of a certain kind of equipment, which CA Company sells and distributes in the United States. Business was good reaching low-million dollar figures until – CA…

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Protecting your parents

SINCE its inception three decades ago, the ombudsman program has investigated elder abuse and other complaints on behalf of residents of California’s 1,300 nursing homes and more than 8,000 assisted living facilities. Many of the extraordinarily vulnerable people living in long term care facilities have no family or friends who visit or advocate for them….

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10 tips to handle a field audit at your place of business

THERE are three basic types of audits: correspondence, office, and field examinations. Correspondence audits are the simplest ones – W2s, 1099s and other items that can be easily resolved by mail. Office audits are more complicated and involve small businesses and individuals with difficult issues. The exams are conducted at IRS offices (not your office)….

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Need debt help but too embarrassed to ask?

HAVE you ever faced a situation in your life where you needed help so badly but you were just too afraid or embarrassed to ask for it?  Perhaps you felt confused and overwhelmed with the problem that you spent sleepless nights trying to figure out what to do. Over the years I have met a…

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Age Beautifully Cookbook wins Gold in Living Now Awards

Recognizing the year’s best books for better living LOS ANGELES—The 8th Annual Living Now Awards for the year’s best books for better living were announced by the Jenkins Group this week, and “The Age Beautifully Cookbook: Easy and Exotic Longevity Secrets from Around the World” (Skyhorse Publishing; April 5, 2016; 978-1-63450-797-4) has been awarded Gold…

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Apl.de.Ap set to headline FPAC25

Other artists include Jabawockeez member Stahyl, Bambu, and many more Filipino-American hip-hop artist and philanthropist Apl.de.Ap is set to headline the 25th anniversary of the Festival of Philippine Arts & Culture which will be held on October 8, 2016 at the historic Echo Park Lake in Los Angeles, Calfiornia. Apl.de.Ap, real name Allan Pineda Lindo,…

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Inside the death chamber

It was my first police beat assignment and we felt that we had no right to do what we were doing. The killing of a fellow human being was repulsive and hideous — like performing some iniquitous farce. These were the thoughts that flashed in my mind. The boundaries of this narrative (from that one…

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Congress could always block Trump’s immigration plan

PEOPLE are justifiably concerned, anxious, and even terrified over Donald Trump’s proposed plan to deport the approximate 11 million undocumented immigrants in the US. However, let’s remember that the executive branch does NOT pass laws, nor is the president in charge of funding or the budget. Those powers, duties, and functions belong to Congress, as…

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California divorce 101

THE following seeks to address or clarify some common misconceptions about divorce. “What if my husband/wife does not want to sign the divorce?” or “My husband/wife does not want to sign the divorce papers, what can I do?” California is a no-fault divorce state. A party filing for divorce does not need the consent of…

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Queries from readers

Is there a vaccine that prevents cancer? Yes, there is. It’s called Gardasil, a vaccine that prevents cervical cancer, found to be “effective 100 percent, in the short term, at blocking the cancer and lesions likely to turn to cancer” (like the pre-invasive lesions), according to drug manufacturer, Merck & Co. The vaccine, which is…

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Foreign person NRA tax withholding

Nonresident Alien NRA tax withholding is applicable to U.S sourced income paid to foreign person and does not apply to payments made to U.S. persons. Foreign persons include nonresident alien individual, foreign partnerships, foreign corporations, foreign estates, and foreign trusts. The tax generally must be withheld from the payment made to the foreign persons. If…

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Denouncement

OVER the past three months, more than 3,000 suspected drug dealers and traffickers have been killed amidst the Philippine government’s current bloody war against drugs. More than 600,00 others—mostly drug users—have surrendered to authorities for fear that they might be next on the “Kill List.” Officials said there are about 3.7 million drug addicts in…

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On being faithful stewards of our dreams

ONE night my brother Randy, my brother-in-law Ed, and I were sitting around the dining table at our family’s home, talking about work, travels, and other personal plans. Our discussion took a deep turn when I recounted a conversation I had a few years ago with a friend. Here’s how that conversation went: “Rodel,” my…

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Senior seeks relief from $40K credit cards

Business owner seeks to discharge $100K credit cards used to buy business CLIENT is 65 and recently widowed. Her husband was suddenly taken ill and was diagnosed with lung cancer even though he doesn’t smoke. Strange. Husband was in the pinnacle of good health, so it seemed. He had no known illness. His blood pressure was…

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I filed my own divorce but I can’t finish it

MANY people try to file and open their own divorce case without an attorney in an effort to save on legal fees.   Often, the self-represented divorce litigant would seek the assistance of the court facilitator’s office in preparing the papers to open their own divorce case.  However once the divorce case is opened, many…

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Types of home policies and what do they cover

ASIDE from your cars, you also want your other properties to be protected. Properties can be personal properties or real properties. Personal properties are movable while real properties are fixed. Examples of personal properties in a house include furniture, clothing, books, electronic gadgets, arts, jewelry, etc. Examples of real properties can be your singlefamily detached…

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Should you form a Limited Liability Company (LLC)?

LIMITED Liability Company (LLC) is a hybrid that combines the pass-through attributes of a partnership with the limited liability of a corporation. The owners are called “members” who hold “interests” and are governed by an “operating agreement.” An LLC with more than one member is taxed as a partnership. This is a relatively new form…

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