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General Interest

Tropang Villar USA to hold ‘Know Your Officers’ party on March 31

Tropang Villar USA to hold ‘Know Your Officers’ party on March 31TheTropang Villar USA-Northern California Chapter will hold a Know Your Officers party on Wednesday, March 31 at the Group Headquarters at 7216 Mission Street (in front of Jack in the Box), Daly City at 5pm.

The group is composed of Filipino-American political, community and civic leaders here in Northern California who volunteered to help campaign for Senator Manny Villar of the Nacionalista Party in his bid for the presidency on May 10.

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Deferring gratification

… So many of us define ourselves by what we have, what we wear, what kind of house we live in and what kind of car we drive … If you think of yourself as the woman in the Cartier watch and the Hermes scarf, a house fire will destroy not only your possessions but yourself. — Linda Henley

(MUCH of the economic woes we struggle with these days can be attributed to the impulse for instant gratification which American society, through its powerful influence-peddling media and with the help of the internet, engenders without apology. Need or want something? You can have it immediately, with little or no consequence. So the story line goes. By now, we know that’s a brazen lie.

Experience has taught us that anything worthwhile takes perseverance, tough-minded discipline and the requisite time to see things through to fruition. Sadly, as many of us have found out while dealing with the heartbreak of foreclosures in a brutal recession, shortcuts often lead to short circuits.)

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The road to freedom

"WE are fortunate in our society that a means of resistance has been built into the law and the political process – the vote. The vote is the most powerful nonviolent tool we have in a democracy. We must use our votes, our power and our organizational abilities to create a movement for good. We must not give up this power. We must not give in. We must not give out. We must use what we have—all our talents, resources, energy, and creativity. We must do all we can to help build a better nation and a better world. " Congressman John Lewis, 2008.

I was 4 when the US civil rights movement started in 1956, and 13 when it ended in 1968. I was in my third year of high school in Manila.

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Do you need to file bankruptcy but worried about your credit?

FILING bankruptcy is something people hope they never have to do. The reality, however, is that bankruptcy is often the only means for people to be able to recover financially and start over. Sure, there are credit repercussions to filing bankruptcy but like other setbacks that you encounter in life, they can be overcome if you take the right steps. You may not know this but the recovery process can be as little as 3-4 years. It is unfortunate that very few bankruptcy attorneys give their clients at least the basic information they need to know to rebuild their credit after bankruptcy.

So you’re probably thinking: "How can banks and lenders trust me again if I have a bankruptcy on my record for 7-10 years?" Well, you may be shocked to know how many people receive invitations from credit card companies to apply for their cards even after bankruptcy. While is true that there are many credit card companies who are reluctant to give credit to people who have just filed bankruptcy, there are also a lot of companies that cater to those who have had past financial troubles.

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How wage and hour class actions benefit employees

THERE are valid overtime or meal break claims that are too small to require a lawsuit. If they are litigated, the litigation may cost too much and the payoff may not be worth the problem. Other than the size and expense, there is also the very real possibility that employers may retaliate against the employee who is trying to assert his/her rights. These are some of the major concerns as to why small overtime claims are rarely pursued and employers continue to get away with their violations.

However, if the employee is but one of many other employees who is not paid overtime despite working more than 8 hours per day or more than 40 hours per week, or are not provided meal breaks, they may be able to assert their rights as a group. They can do this by means of a class action.

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Well-known community leaders, businesses sponsor Fiesta of Padre Jesus Nazareno de Quiapo
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Bush administration launches ‘Hope for Homeowners’ program to help struggling families
THIS program is only available to owner occupants and will offer 30-year fixed rate mortgages, banks will have to write down the existing mortgage to...
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THE decision to file bankruptcy is not an easy one, but sometimes it’s the decision that could change your life for the better. When you are...
Foreclosure: Do you have a realistic plan to keep your home?
A LOT of homeowners who are behind on their mortgage payments are asking me:  Is it better to lose your house to foreclosure or file for bankruptcy...

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