General Interest

Denture care and fit

Wednesday, 01 July 2009 21:54 Dr. Valerie de Leon

DENTURES were made to fit exactly the ridges. They are not supposed to change unless they are dropped or the metal bent due to non-dental reasons. They can become loose due to natural changes in the gums and jawbone supporting them. As the ridges begin to shrink, the gums change too.

When dentures do not fit, see your dentist as soon as possible so adjustments can be made to the dentures. Do not try to reline the dentures yourself, as this can damage them and can never be repaired. This could also irritate the gums, cheeks and tongue. In unavoidable circumstances, adhesives could be used temporarily until the dentures can be adjusted.

A Case for Coming Home… (Part 1 of 7)

Wednesday, 01 July 2009 21:34 Monette Adeva Maglaya

"Travel makes one modest. You see what a tiny place you occupy in the world." — Gustave Flaubert

Thinking of coming home for a visit, kababayan?

In the best scenarios, a three-week whirlwind trip to the Philippines is what most Filipino expatriates living and working in the US or elsewhere in the world can shoot for. Aside from putting together the somewhat hefty logistical requirements (translation: money, whether in cash, debit cards or "kaskas" meaning credit cards), one truly needs to be a proactive tactician in mapping out how a Philippine trip pans out. So move over, Marco Polo. This is the way it’s done.

Debt and Michael Jackson

Tuesday, 30 June 2009 21:11 Atty. Lawrence Yang

MICHAEL Jackson died at the age of 50 last week. The world will miss his rare and tremendous musical talent. The immediate cause of death was cardiac arrest. But I believe his debts killed him. He had $400 million of debt! Not even the King of Pop can handle that kind of debt. The human body is not built to handle that kind of debt. In the eighties, he bought the catalog of Beatle songs for $48 million and his "Neverland" house in Santa Barbara for $15 million. It is estimated that his ownership of his own and the Beatle songs is currently worth $ 1 billion. But despite making hundreds of millions during his career as the most successful pop musician of all time, Michael Jackson owes between $400 to $500 million of debt.

Can the Obama housing plan help you keep your home?

Tuesday, 30 June 2009 21:08 Atty. Raymond Bulaon

YOU’VE probably heard about President Obama’s housing plan to help the housing market back on track. The goal of the program is to help up to 9 million families facing foreclosure to either refinance or modify their mortgages. The Treasury Department has provided the details about how the plan works. You can go to www.makinghomeaffordable.gov for more information.

The program is in 2 parts. One part of the program is designed to help homeowners whose mortgage is owned or backed by Fannie Mae or Freddie Mac to refinance into a fixed rate. If you owe more than the value of your house, you may still qualify but your new mortgage cannot exceed more than 105% of your property’s current market value. Here in California where real estate values have plunged to as low as 50% of the current mortgage amount in certain areas, it would be difficult to qualify for refinancing under this program. This article ONLY discusses the Loan Modification part of the program as this is what most people are interested in.

Short sale blog

Tuesday, 30 June 2009 21:00 Kenneth Go

Q: WHO pays for HOA Fees on short sales?
The bank/lender will have to include on the transaction. I have had lenders pay 3 years of back HOA fees and back taxes. They do pay HOA . It is my understanding this becomes a lien on the property at some point and will get paid even before taxes at times. If the property goes to foreclosure the HOA companies will then sometimes go after homeowners.
Q: When should one expect the bank to review the file?
My understanding with short sales is that you don’t get anywhere at all with the process until you have an offer i.e., no assignment of a negotiator or even review of the file until then. If that’s true, then how are some agents getting negotiators assigned and/or asking price agreements made with the banks before they have the home even sold? I understand this could be if they’ve already lost out on a prior offer, but in some cases these are listings that are fairly new and have not received offers yet. Are these listing agents just misleading me so I will show the property and communicate to my buyers that the short sale is further along than it actually is?

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Page 1 of 75

Asian Journal- The Filipino-American Community Newspaper

General Interest

Denture care and fit

A Case for Coming Home… (Part 1 of 7)

Debt and Michael Jackson

Can the Obama housing plan help you keep your home?

Short sale blog

AJTV

Dateline USA