General Interest

Who Are You and Why Are You Here? Part 2 – Birth Chart Timing

Thursday, 09 October 2008 10:47 Jenny Liu

Birth chart readings are most beneficial during turning points or milestones in you life when the decisions you make are crucial. Although birth charts are considered predestined, in actuality your parents can pre-select an ideal birth chart and make sure you are born at that exact time. This is usually only possible through c-section deliveries when the timing can be controlled.

Whether or not the parents can do this, it is still good to have a birth chart reading when a child is born. The main purpose of an early birth chart is to understand the child’s personality, health needs and for awareness of potential dangers to avoid. Early knowledge of a child’s potential, talents, and temperament can help parents better understand how to cater to their child’s development.

Is Bankruptcy Advisable For Your Situation?

Thursday, 09 October 2008 10:42 Atty. Raymond Bulaon

If you are in debt and are seriously considering bankruptcy as an option, I am sure a lot of thoughts are going through your mind. How quickly can I recover from bankruptcy? What are the different types of bankruptcy available? How do I know I am making the right decision?

Still Seeking the Light in a Season of Darkness

Wednesday, 08 October 2008 14:58 Monette Maglaya

(23 votes, average: 4.91 out of 5)

“The only thing necessary for the triumph of evil is for good men to do nothing.” - Edmund Burke

I am reprising this article, which was earlier published just this summer during the heat of the DNC primary election. So many things have happened since then that has changed the dynamics of this exceptionally contentious election year. We’ve spent far more time and spent more energy on this election amid the worst financial crisis since the depression years. Thankfully, all these will come to a screeching halt in less than a month. But then of course beyond that, the real work begins as this current lame duck presidency wanes and another one waxes.

Finding an Immigration Lawyer

Wednesday, 08 October 2008 11:08 Liza Legaspi

How do you find a good, if not a great immigration lawyer? This is an interesting topic as it affects those who are moving from the Philippines to the US. However, before we look into the outside source—we need to look into ourselves first. Are you a tourist when you first entered the country and have decided to stay? Are you currently employed or have an employer that is willing to file a work petition on your behalf? Do you have a relative that petitioned you? Or did you come to the US on a fiancée visa? In other words, you need to understand your situation and to gather all the documents required prior to seeing an immigration lawyer. so that you can arm yourselves with as much information before you set an appointment for consultation.

Worried about your credit score?

Saturday, 04 October 2008 10:34 Atty. Larry Yang

(1 vote, average: 5.00 out of 5)

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 blank. You might wonder how creditors can tell if you are credit worthy enough to buy a house based on your credit report. Well, if they are able to tell your credit worthiness by looking at your credit report before they lend you money to buy a house, then our financial system should not be broken now, right? Because the root cause of our failed financial system is the giving of home loans to people who are not able to pay them back. When I bought my first house twenty years ago, I was required to put a downpayment of 25%. I purchased that house for $130,000 with a downpayment of $32,500 and a mortgage of $97,500. My mortgage payment was $700 based on a 30 year fixed rate mortgage. Requiring a downpayment ensured that the homebuyer had equity in the house. It also made the mortgage smaller and the mortgage payments smaller and more affordable for the homebuyer. Thus, if you had no money saved up to make a downpayment for the purchase of a house, you would not be able to buy a house. You would have to keep on saving money for several years until you had enough for a downpayment to buy a house.