Asian Journal August 10-16, 2012 digital edition

Floods put 9MM Luzon under state of calamityThe Dark Nights of Father MadridA Historical Novel by Dr Ed Gamboa

Amazon Breakthrough Novel Award 2012 (Second Round General Fiction)

Chapter 3 - Rebel Doctor

August 10-16 2012

Philippine Radio

AM 1450M-F 7-8 PM

The original and first Asian Journal in America

550 E 8th St Ste 6 National City San Diego County CA USA 91950 | Ph 6194740588 | Fx 6194740373 | Email asianjournalaolcom | wwwasianjournalusacom

PRST STDUS Postage Paid

Permit No 203Chula Vista CA 91910

San Diegorsquos first and only Asian Filipino weekly publication and a multi-award winning newspaper Online+Digital+Print Editions to best serve you

August 10-16 2012

Vonage Launches New Unlimited Calling Plan to the Philippines in Partnership with Globe Telecom

(Continued on page 22)

Rainfall volume surpasses lsquoOndoyrsquo


(Continued on page 20) (Continued on page 10)

What Health Care Reform Does to Individuals Families Businesses

Health Professionals p 6

The Subjective and Objective Faith p 11

Dr Ofelia DirigeMsgr Gutierrez Zena Sultana BabaoAn Act of Rebellion

p 10

(Continued on page 21)(Continued on page 18)

MAPUA recruiting Fil-Am students

Phl ranks 10th in global survey on Twitter account

The plan provides unprec-edented savings with

unlimited1 calling to all Globe Telecom numbers

deeply-discounted rates for all other calls to the Philip-pines and unlimited US

calling

HOLMDEL NJ July 31 2012 ndash Vonage Holdings Corp (NYSE VG) a leading pro-vider of communication services connecting individuals through cloud-connected devices world-

wide in partnership with a leading

Philippine telecommunications company Globe Telecom an-nounces an exclusive new calling

plan The plan combines unlim-ited1 calling to all of Globersquos more than 31 million mobile and wireline subscribers with Vonagersquos ultra-low per minute rate to all other numbers in the Philippines

Additionally the plan pro-vides unlimited calling to the US Canada Puerto Rico and 60 other countries around the world The innovative Vonage Extensionstrade service which

allows calls from mobile phones

ABS CBN News | MANILA 822012 -- Fili-pino American Gerald San-doval has just graduated high school Hersquos now wondering if a college degree from a Philippine school could bring him the success he wants in America

Sandoval is just one of several high school graduates who attended a briefi ng of the Philippinersquos top engineer-ing school Mapua Institute of

TechnologyldquoIrsquom really interested

They seem to offer a lot of very good programs and I really want to visit the Philip-pines againrdquo said Sandoval

ldquoOur programs which have the same standards in the US are very much afford-

ABET Certifi ed Programs httpwwwmapuaeduph

by Leila B Salavarria Philippine Daily Inquirer | MANILA 782012 -- The volume of rainfall that submerged Metro Manila and nearby prov-inces yester-day sur-passed that of Tropical Storm ldquoOn-doyrdquo initial reports from the governmentrsquos Project Noah (Nationwide

Operational Assessment of Hazards) showed

But though the mon-soon rains exceeded Ondoyrsquos rainfall in 2009 the latter still man-aged to pack more wallop because most of its

rainfall came in a shorter pe-

WATER TAXI Two women avoid the fl oodwaters with a smooth ride on an improvised raft along De la Rosa Street in Makati City on Tuesday NINtildeO JESUS ORBETA PDI

Philippine Star | MANILA Philippines 882012 - Nine areas in Metro Manila and other parts of Luzon struck by massive fl ooding due to non-stop rains have been placed under a state of calamity

The cities of Valenzuela Malabon and Muntinlupa in

Metro Manila were among the areas that have declared a state of calamity

Based on the National Disaster Risk Reduction and Management Councils (NDRRMC) 7 am report today a total of 3000 people were affected by fl ooding in Valenzuela and 2`183 people were affected in Malabon

A total of 8280 residents of Muntinlupa City were also affected by massive fl ooding

Other areas badly-hit by torrential rains in Metro Manila were Marikina City Caloocan City Manila City and Quezon City

Among all areas affected by fl ooding in the capital region Caloocan City has the highest number of affected residents at 28665

Reports said that rescue operations were ongoing in

Deluge Top to Bottom Street in San Juan Manila Recto Quiapo underpass View of swollen Pasig River from Eastwood condo

(Note The book opens with the tragic incident which took place on August 21 1983 Exiled Senator Benigno ldquoNinoyrdquo Aquino the charismatic opposition leader arrives at the Manila International Airport to a herolsquos welcome He is escorted out of the plane by government soldiers and shot to death Kumander Gusi watches video clips of the assassination in a hospital where he had undergone surgery for injuries sustained during an encounter with commandos of the Philippine Constabulary led by Lt Col Sulog Years earlier (Chapter 2) Gusi was the newly-ordained and affable Father George Madrid whose involvement with oppressed farm workers in the parish of Santa Lucia eventually led to his defection In short order the rebel priest had risen to the rank of commander of the dreaded New Peoplersquos Army In Chapter 3 Gusi on the run from Sulogrsquos men is attended to by rebel physician Dr Fred Delima)

Amparo a popular mananabang from a nearby barrio blows carefully then fans the fragile embers with her arthritic hand She pushes a few more dry leaves and sticks into the burning pile underneath the earthen pot Soon the fi re crackles She would

have a liter of boiling water ready in a few minutes for the doctor

Dr Fred Delima wished he were back at the city medical center where he had a crew of nurses interns and residents at his beck and call The surgical instruments would have been sterilized and set on a mayo stand by the time he gowned and gloved for surgery But it was too late to dwell on such useless thoughts He had made his decision three years ago He was the impoverished rebel doctor not the fancy for-profi t specialist There was no turning back

He had been the apple in his motherrsquos eye Always on top of his class Fred Delima garnered all the accolades offered along his academic path from kindergarten to college He entered medical school with the expectation of graduating summa cum laude then topping the national board exams before embarking on a lucrative and successful surgical practice affi liated with the best medical center Dr Delima would be Godrsquos gift to humanity as his late father would proudly put it But that was not to be

healer midwife

by Lawrence Ag-caoili MANILA Philip-pines 892012 - The Philippines ranked 10th in the world in terms of the number of registered users of microblogging site Twitter a study con-ducted by Paris-based social media monior Semiocast showed

Semiocast said the number of Twitter accounts have reached half a billion as of June 2012 with the US leading in terms of registered users with more than 1418 million for a share of 274 percent fol-lowed by Brazil with 412 million or eight percent

Japan ranked third in terms of registered users with a little over 34 million United Kingdom ranked fourth with about 32 million and Indonesia ranked fi fth with close to 30 million

India ranked sixth with about 16 mil-

Page 2 August 10-16 2012Asian Journal - (619) 474-0588 Visit our website at httpwwwasianjournalusacom

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Follow Asian Journal on Twitter asianjournal

Vonage(Continued from page 1)

is also included for no additional charge

The new plan Vonagereg Unlimited to Globereg Philippines is available immediately at a fl at rate of $2999 per month (plus taxes and fees) The plan is the result of the recently-announced collaboration between Vonage and Globe The partnership marks a signifi cant milestone in Von-agersquos strategy to expand internation-ally

ldquoOur strategic partnership with Globe allows us to provide a low-cost simple to use calling solution for the three and a half million Filipinos living in the USrdquo said Kimberly OrsquoLoughlin Managing Director for International Markets for Vonage ldquoWith our new plan the Filipino

community can affordably stay con-nected with friends and family abroad without the worry of counting calling card minutes or managing expensive long distance costs We are exploring additional alliances and plan to an-nounce at least one additional partner-ship this yearrdquo

ldquoWe are happy to launch with Von-age our fi rst foray into the VoIP arena for inbound calling from the USrdquo said Rizza Maniego-Eala Group Head for International Business for Globe Telecom ldquoThis collaboration between Globe and Vonage presents a fi rm promise that we will continue to stay attuned to the needs of our market developing products that are truly relevant and competitiverdquo

The new plan can be purchased online via telesales and at select Seafood City locations in California Additionally Vonage will participate in several upcoming Filipino fi estas in Seattle Los Angeles San Francisco

Good News Pilipinas | MANILA 832012 -- The Philippines remains in a sweet spot with a lot of room for investment and economic activi-ties the Union Bank of Switzerland (UBS) said in its latest report

ldquoThe lack of excess suggests the Philippine economy is still in a sweet spot Easy monetary policy settings and rich asset valuations can encourage excesses in domes-tic credit and investment activity but these have yet to show up in a meaningful wayrdquo UBS said in a report released last week following the 25-basis points reduction in key policy rates by the Bangko Sentral ng Pilipinas (BSP)

On Thursday the BSP reduced the

Swiss bank UBS says Philippines sweet spot for investmentsovernight borrowing rate to a low of 375 percent and the lending rate to 575 percent on concerns over global growth risks

In its report UBS raised the ques-tion as to whether it was necessary for monetary authorities to raise rates

It said that easing monetary policy may spur credit but this has yet to be seen

UBS also said the Philippine econ-omy is not immune to the global external risks such as the crisis in the euro zone

ldquoAt the same time the Philip-pine economy is not immune to global headwinds In the context of international risks to the Philippine

economy and low infl ation a reason-able case for policy easing can and has been made by the BSPrdquo UBS said

It said that earlier BSP monetary policy should be good for asset prices

UBS said it expects the policy rate to be at 375 percent for the over-night borrowing rate and the peso at 42 to the dollar by yearend

The infl ation rate dipped to 28 percent in June from 29 percent in May according to latest data from the National Statistics Offi ce

The June infl ation brought year-to-date infl ation at three percent falling at the lower end of the central bankrsquos three to fi ve percent target for 2012

and Secaucus NJ to introduce the new calling plan to Filipinos living in the US More information about the plan as well as dates and locations of all events can be found at wwwphvonagecom

About VonageVonage (NYSE VG) is a leading provider of communications ser-vices connecting individuals through cloud-connected devices worldwide Our technology serves approximately 24 million subscribers We provide feature-rich affordable communica-tion solutions that offer fl exibility portability and ease-of-use Our Vonage World plan offers unlimited calling to more than 60 countries with popular features like call waiting call forwarding and visual voicemail mdashfor one low monthly rate Vonagersquos service is sold on the web and through regional and national retailers includ-ing Wal-Mart Best Buy Kmart and Sears and is available to customers in the US (wwwvonagecom) Canada (wwwvonageca) and the United Kingdom (wwwvonagecouk)

Vonage Holdings Corp is head-quartered in Holmdel New Jersey Vonagereg is a registered trademark of Vonage Marketing LLC owned by Vonage America Inc

To follow Vonage on Twitter please visit wwwtwittercomvonage To be-come a fan on Facebook go to wwwfacebookcomvonage To subscribe on YouTube visit wwwyoutubecomvonage

About GlobeGlobe Telecom is a leading full ser-

vice telecommunications company in the Philippines serving the needs of consumers and businesses across an entire suite of products and services including mobile fi xed broadband data connections internet and man-aged services Its principals are Ayala Corporation and Singapore Telecom who are acknowledged industry lead-ers in the country and in the region For more information visit wwwglobecomph Follow us on Twit-ter httptwittercomtalk2Globe and Facebook httpfacebookcomGlobePH

Unlimited calling is subject to our Reasonable Use Policy and Terms of Service All residential plans are based on normal residential personal use by single-family household mem-bers See Vonagecom for details

Extensionstrade calls made from mobiles use airtime and may incur surcharges depending on the userrsquos mobile plan

Program is part of new effort to in-crease access for students affected by

California budget cuts

SAN DIEGO Calif ndash At a time when public higher education in Cali-fornia is declining in accessibility affordability and availability Alliant International University is expanding its undergraduate offerings making its programs more fl exible and cost ef-fective and implementing new merit-based scholarships Alliantrsquos three-pronged initiative which will be implemented for the Fall 2012 semester at the San Diego cam-pus includes the following

1 Alliant is eliminating its current minimum requirement of 45 units of transfer credit Students may transfer any number of credits from other insti-tutions including community colleges Students can major in psychology business marketing and international

Alliant International University Launches Scholarship Program amp New Course Offerings

relations Additional majors in child development and criminal justice are coming soon The curriculum will fol-low California standards for general education meaning that credits from community colleges or California State University branches will seam-lessly transfer into Alliant

2 To increase fl exibility Alliant undergraduate students will have three options to take courses in the class-room online or a hybrid of the two

3 Alliant is introducing the Direct Success Scholarship Program The program has two levels ndash a $3000 Merit scholarship provided to all stu-dents who have completed at least 60 units (including those transferred from another institution) and a cumulative GPA of 30 and a $7000 Presidentrsquos scholarship awarded to qualifi ed stu-dents who have exhibited leadership skills and academic excellence includ-ing a GPA of 35 or better Details of

the application process and eligibility guidelines can be found at successalliantedu ldquoAs we all witness the California higher education budget crisis unfold impacting the aspirations of thousands of students we are help-ing to ensure that the dream of higher education will continuerdquo said Geof-frey Cox president Alliant Interna-tional University ldquoAlliant already has a strong reputation for its small classes fl exible schedules remarkable diversi-ty and tuition that is much lower than most private schools With these new offerings wersquore also hoping to be part of the solution to the current economic challengesrdquo ldquoWe wel-come students with any number of creditsrdquo said Russ Newman provost and vice president for academic af-fairs Alliant International University

Page 3Asian Journal - (619) 474-0588 Visit our website at httpwwwasianjournalusacomAugust 10-16 2012

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SALE PRICES IN EFFECT 810-8122012

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By Prinz P Magtulis Philippine Star | MANILA Philippines 973012 - The countryrsquos gross international reserves (GIR) hit a new all-time high of $7935 billion last month as the Bangko Sentral ng Pilipinas (BSP) bought more dollars to tame the pesorsquos appreciation official data showed The dollar reserves went up 422 percent from Junersquos $76129 billion and also surpassed the BSPrsquos 2012 forecast of $775 to $78 billion which Governor Amando Tetangco Jr had said is likely to be revised soon

Data showed the increase came mainly from a three-fold hike in BSPrsquos foreign exchange holdings to $96849 million last month from $32289 million in June An analyst said this reflected the central bankrsquos intervention in the foreign exchange market to manage the pesorsquos climb

ldquoIf monetary authorities did not inter-vene (in the foreign exchange market) we might have seen the peso to have risen to the 40-level against the dollar which is a very abrupt adjustmentrdquo Bank of the Philippine Islands economist Jun Neri said in a phone interview

ldquoBasically the general rule of the BSP is that they want to make sure sharp ad-justments do not happenrdquo he added

The local currency has risen 51 percent from January to July this year making it one of the best performing currencies in the region While a strong currency makes imports more affordable it also causes export products to be expensive abroad resulting in lesser export earn-ings It also trims the value of remittances from overseas Filipinos

Meanwhile the BSP also recorded increased income from its investments abroad foreign currency deposits by the government as well as upward adjust-ments in the value of its gold holdings as gold prices rose in the world market

These were partially offset by pay-ments to governmentrsquos maturing debts and banksrsquo foreign currency withdrawals Tetangco said in a statement

ldquoThe end-July 2012 GIR level could adequately cover 117 months worth of imports of goods and services income It is also equivalent to 107 times the countryrsquos short-term external debt based

Dollar reserves rise to $7935 billion in July

by JJ Reyes Philippine Daily Inquirer 11212 -- The United States experienced a rapid popula-tion growth after World War II with 78 million children born from 1946 to 1964

All those children are now middle-aged or older The first of the American baby boomers turned 65 on January 1 2011 The boomers have started to retire at the statistical rate of 10000 per day

Yes 10000 per dayThis retirement phenomenon will

continue for another 19 years Andimmediately in front of the boom-

ers are more than 35 million already-retired American seniors

Looking at closer neighbors Japan has the highest proportion of elderly citizens with 21 percent over the age of 65

The demographic projection for Japan is an increase to 256 percent by 2030 Taiwanrsquos elderly popula-tion is near 25 million or 1063 percent out of 2312 million

South Korea has similar numbersAccording to data by Statistics

Korea the number of Koreans in the

senior age group is 536 million or 11 percent

Chairman Mao Zedong the founder of the Peoplersquos Republic of China encouraged a high birth rate because he believed a large popula-tion would give China military and economic power

The government later reversed the policy to one-child per couple Some economists believe that Chinarsquos current prosperity can be partially attributed to the population bubble created by Chairman Mao As their citizens begin to age under the one-child policy China will be

confronting an enormous challenge The eventual result according to Dean Cheng a research fellow at the Heritage Foundation is the ldquo4-2-1rdquo phenomenon

Four grandparents and two parents will be supported by one child

The Philippine Retirement Author-ity (PRA) was created more than 25 years ago in 1985 by virtue of Executive Order No 1037 signed by then President Ferdinand E Marcos

According to its website ldquoPRA is mandated to attract foreign nation-

als and former Filipino citizens to invest reside and retire in the Philip-pines with the end-view of accelerat-ing the socio-economic development of the country contributing to the foreign currency reserve of the economy and by providing them the best quality of life in the most attrac-tive packagerdquo

With the large number of retirees in Asia and the US why has the pro-gram experienced limited success Although there are no official num-bers published on its website my understanding is only 30000 Special Resident Retireersquos Visas (SRRVs) have been issued

Most applicants are Chinese fol-lowed by Koreans Japanese and Americans

By now the Philippines should have retirement villages for Ameri-

American retirees the next big business for the Philippines

cans because English is widely spo-ken Instead Americans are going to Spanish-speaking Mexico

US Census 2010 estimates ap-proximately 25 million citizens and legal permanent residents of Philip-pine ancestry

One nongovernment survey claims 200000 Fil-Am senior citizens

would really like to retire in the Phil-ippines but they wonrsquot

Unlike Social Security which you can take anywhere Medicare stops at the border Fil-Ams are afraid to return home without medical insur-ance Another survey calculates that more than one million American seniors have homes in Mexico The popularity of Mexico as a retire-ment destination is because you can simply cross the border back to the US for medical treatment

The Fil-Am community is ask-ing the federal government to make Medicare portable

Fil-Am retirees would then have continued coverage under Medicare if they decide to return to the Philip-pines While I am a strong supporter of the petition drive the chances of a policy change are very slim The American healthcare industry has a very powerful well-financed lobby in Washington DC Any changes to Medicare will be contrary to their business interest

To attract American retirees the PRA which is under the Depart-ment of Tourism needs to partner with the Department of Health and offer medical insurance comparable to Medicare It could be a program similar to PhilHealth but instead of P100 to P750 in monthly premiums American retirees might pay P4000 provided the quality of medical care is commensurate to paying a higher premium

The amount suggested is arbitrary and for purposes of discussion only P4000 was selected because most American retirees are paying $9990 a month for the optional Medicare Part B

The potential revenue stream from 200000 retired Fil-Ams is P800 million a month The amount increases to P4 billion a month if you can attract one million Ameri-can retirees just like Mexico This is just for medical insurance It does not include what retirees will spend living in the Philippines

The SRRV program requires proof of retirement income The mini-mum is $1500 a month Wealthier retirees might spend $5000 The annual inflow of foreign exchange from one million Americans living overseas in the Philippines can range from $18 to $60 billion Millions of jobs will be created at this level of expenditure It could be the next big business for the Philippines

Mabuhaii Nursing Home in Iloilo Panay Island in the Visayas is one of the many retirement communities in the Philippines Not to be outdone Cebu launched a 5-year campaign to make itself the regionrsquos retirement hub in addition to its booming BPO industry In 2011 a Japanese investor signed an agree-ment with Cebu Doctors Hospital to build the first nursing home facility in Cebu for Japanese retirees according to the Freeman a PhilStar paper



TAKE IT FROM MY BARBER by Benjamin Maynigo

GB as HOST

Great Britain is the offi cial host of the Olympic Games 2012 The International Olympic Committee (IOC) amidst some controversies that included complaints from the ParisianFrench National Olympic Committee which was also vying to be the host chose it

Composed of England Scotland Wales and Northern Ireland the United Kingdom of Great Britain left no stones unturned to deserve the honor the right as well as the heavy responsibility and obligation to make it a successful event

Over 200 nations are participating in this major international event in which thousands of athletes partici-pate in various sports competitions

The actual host city is London known as the fi rst city to have hosted the Olympic games three times ndash in 1908 in 1948 and in 2012

It invited the most heads of state (120) to a single Olympic game If not invited for free those who attended the Opening Ceremony shelled out either $3250 (the most expensive in history) $2586 $1608 $242 or $35 depending on where they were seated

To celebrate by drinking a pint of beer at the Olympic games costs $1120 ndash more than twice the national average price in GB A 330 ml bottle of Heineken costs $650 In the Beijing Olympics in 2008 sports fans spent only $246 for a pint of beer

According to the Oxford Uni-versityrsquos Said Business School the London Olympics is the most expensive Olympics ever Costing $1301 billion the fi gure includes all sports-related costs security trans-port opening and closing ceremo-nies construction of venues and the athletesrsquo village

GB (GRANDIOSE BEGINNING) ndash The Opening Ceremony

Inspired by William Shakespearersquos play ldquoThe Tempestrdquo the Opening Ceremony ldquowas a feast for the eyes and displayed Britainrsquos rich his-tory and sense of humorrdquo says the Chinese state media Like the rest of the world I share the view that the participation of the Queen especial-ly Her Majestyrsquos parachuting with James Bond the funny performance of Mr Bean Lord Voldemortrsquos dreamy appearance the performance of Paul McCartney and several stars ldquogreen landscape and choirsrdquo made the ceremony a grandiose beginning a spectacular and ldquojolly good showrdquo

GB (Gigabytes) of MEMORIES

To store the memories of the Open-ing Ceremony and subsequent events in the Olympics in pure text or word document a GB would let you store about one million pages To store photos you could store tens of thousands if not hundreds of thousands of them If you want to download and store videos you have thousands depending on the length of the videos andor audios

You can just imagine how much MEMORIES of the London Olym-pics you can store in your 64GB IPAD your 8GB iPhone or your laptop with a TB (Terabyte) of an external hard disk

RECORDS BROKEN and BRO-KEN RECORDS

Special mention is the participa-tion of Oscar Pistorius called ldquoThe Blade Runnerrdquo making Olympic history by running in the fi rst heat of the fi rst round of the menrsquos 400 m in the Olympic Stadium Pistorius had both his lower legs amputated since he was 11 months old He is the fi rst double amputee to compete in both the Olympic and Paralympic Games

NUMBERS

The most Olympic gold medals won by an individual is 18 and the honor goes to American swimmer Michael Phelps He is also the most decorat-ed Olympian of all time by winning a total of 22 medals

Venus and Serena Williams of USA

Olympic Memories in GB GB GB GB GB GB amp GB



ASIAN JOURNALThe fi rst Asian-Filipino weekly in Southern California

An award-winning newspaper amp San Diegorsquos most widely circulated Asian-Filipino newspaper

Ashley SilverioAssistant Editor

Regina Galang ReyesBook Editor

In Pursuit of ExcellenceEugenio ldquoEgordquo Osin (1946 - 1994)

Joe Cabrera (1924 - 1996)Soledad Bautista (1917-2009)

Dr Rizalino ldquoRizrdquo Oades (1935-2009)

The Asian Journal is published weekly and distributed in all Filipino amp Asian communties in San Diego County Print publication date is every Friday of the month Advertising deadline is Wednes-day prior to publication date at 5 pm For advertising rates rate cards or information call (619) 474-0588 Subscription by mail is available for $50 per year (56 issues) The Asian Journal is not responsible for unsolicited manuscripts and photographs but welcomes submissions Entire content is copy 2012 copyrighted ma-terial by Asian Journal Materials in this publication may not be reproduced without specific permission from the publisher

Genevieve SilverioManaging Editor

Simeon G Silverio JrPublisher amp Editor

Miles BeauchampAssociate Editor

Santi SilverioAssociate Publisher

At Large

Miles is Assistant to the Dean and Assistant Professor in the Shirley Hufstedler School of Education at Alliant International University where he teaches new media and diverse writing courses He has been with the Asian Journal since the 1990rsquos

by Miles Beauchamp PhD

Perspectives

by Dr Ofelia Dirige Founder President amp CEO Kalusugan

Community Services wwwfi lamwellnessorg

Contemporary Asian American Issues

Fourth of a series on Health Care Reform

by Dr Ofelia Dirige Kalusugan Community Services (619) 477-3392 odirigemsncom

I mentioned in my previous article that the Affordable Care Act (ACA) or Health Reform Law put together a comprehensive health insurance reform affecting families with children individuals women young adults seniors and vulnerable groups such as pregnant women and those with disabilities It affects health care and preventive care health professionals businesses insurance industry and others There are 10 titles to the law The reforms will roll over 4 years with most changes taking place by 2014 Others have already begun

Some of the provisions are con-troversial and needs to be weighed and tested as it affects peoplersquos lives some for the good and some for the worst But overall letrsquos look at the overall effect on everyone Some of us have to sacrifi ce a lot so that oth-ers can have the privilege of having health insurance Here are some of the provisions that are already in effect and will be implemented in 2014 for some of the groups

IndividualsFamilies and Insur-ers

Provides access to insurance for uninsured Americans with pre-exist-ing condition

Extends coverage for young adults or allows parents to keep children on family policies

What Health Care Reform Does to Individuals Families Businesses Health Professionals and Others

until age 26Allows insurance companies no

lifetime limits to coverageBans insurers from dropping

people from policies with applica-tion errors

Requires insurers to spend 80-85 of premiums on health care costs or rebate the

difference to policyholdersBy 2014 insurers must provide

coverage to adults with all pre-existing medical

conditions at no additional cost This provision goes with the individual mandate for health insurance to help sub-sidize the costs of people with pre-existing condition

Expands Medicaid to cover most people under 65 earning less than $14856 per year individually or $30636 for a family of four

New Consumer Protec-tion or Putting Information On line This means easy use of the website Health Caregov where consumers can compare health in-surance options and pick a coverage for them

WomenPrevents insurance company from

charging women more than men and overcharging those who need care the most

New insurance companies will begin covering eight womenrsquos pre-

ventive services without co-pays by August 2012

Employers (except churches and houses of worship) will be required to pay for the contraceptives steril-ization and abortion-induced drugs for their workers without co-pays beginning August 2012

SeniorsMedicare provisions- Law includes

more than 160 provisions that affect Medicare

including cutting costs increasing revenue improving some benefi ts combating fraud and researching new programs

4 million seniors reached the gap in Medicare Part D prescription drug coverage known

as ldquodonut holerdquo in 2010 or cover-age gap where seniors pay full price for medications Each senior will receive a one-time tax free $250 re-bate check They will receive

50 discounts for Medicare Part D brand name drugs and coverage for generic drugs

Free preventive care for seniors such as annual wellness checks and cancer and

diabetes screening Law requires that Medicare

Advantage plans to stop charging higher rates than

original Medicare for services such as chemotherapy and skilled nursing

care The cost for Medicare Part B

outpatient care already has been adjusted so that higher income seniors pay higher premiums By 2019 the number of seniors paying higher rates will have tripled saving Medicare about $25 billion

The effort of cracking down on health care fraud in Medicare returned $25 billion to the Medicare trust fund in 2009 New resources require new screening procedures for health care providers to boost these efforts and reduce waste and fraud in Medicare

Expanding Coverage for Early Retirees-

Americans who retire without employer-sponsored insurance and before eligibility to Medicare see their life savings disappear due to individual high market A new law will create a $5 billion program (New Exchange in 2014) to provide fi nancial help for employment based plan to provide for retirees between the ages of 55-65 their spouses and dependents

Businesses Provides small businesses health insurance tax credits- Companies with fewer than 25 full-time workers may be eligible for tax credit if they provide health insurance to employees

In San Diego almost 95 of businesses have fewer than

50 employees and would be unaffected Four million small businesses are eligible for tax

credits to help provide for their health workers The fi rst phase provides credit worth up to 35 of the employeersquos health insur-ance These are employers with 10 or fewer workers

with an average wage of no more than $25000 Small non-profi ts can receive 25 credit It will increase to 50 in 2014

Businesses with more than 50 employees are mandated to provide affordable insurance to workers or pay a penalty starting in 2014 Those who do not offer insurance face

Rover Curiosity puts the US back at the frontier

Was this a cool week or what The Olympics have been great to watch and NASA put a rover on Mars to explore take photos and run scientifi c experi-ments ldquoNASArsquos most advanced Mars rover Curiosity landed on the Red Planet last Sunday to end a 36-week fl ight and begin a two-year investigationrdquo

Irsquove always been a bit of a space geek I believe that we should be in space we should be benefi ting from the knowledge that the science promotes as well as

benefi tting from jobs created Human beings explore Whether

across continents through oceans or into the vastness of space we explore Wersquore curious and from that we learn

Watching Curiosity land on Mars showed us as the moon landings did decades ago that we can explore beyond this world we can keep seeing beyond ourselves

An amazing success lsquoThe Mars Science Laboratory (MSL) spacecraft that carried Curiosity succeeded in every step of the most complex landing ever attempted on

Mars including the fi nal severing of the bridle cords and fl yaway maneuver of the rocket backpack ldquoToday the wheels of Curiosity have begun to blaze the trail for human footprints on Mars Curiosity the most sophisticated rover ever built is now on the surface of the Red Planet where it will seek to answer age-old

questions about whether life ever existed on Mars -- or if the planet can sustain life in the futurerdquo said NASA Administra-tor Charles Bolden ldquoThis is an amazing achievement made possible by a team of scientists and engineers from around the world and led by the extraordinary men and women of NASA and our Jet Propul-sion Laboratory President Obama has laid out a bold vision for sending humans to Mars in the mid-2030rsquos and todayrsquos landing marks a signifi cant step toward achieving this goalrdquo Curiosity landed at 1032 pm PDT Aug 5 (132 am EDT Aug 6) near the foot of a mountain three miles tall and 96 miles in diameter inside Gale Crater During a nearly two-year prime mission the rover will investigate whether the region ever offered conditions favorable for microbial life

ldquoThe Seven Minutes of Terror has turned into the Seven Minutes of Tri-umphrdquo said NASA Associate Adminis-trator for Science John Grunsfeld ldquoMy immense joy in the success of this mis-sion is matched only by overwhelming pride I feel for the women and men of the missionrsquos teamrdquo

And then came the photosCuriosity returned its fi rst view of

Mars a wide-angle scene of rocky ground near the front of the rover ldquoOur

Curiosity is talking to us from the surface of Marsrdquo said MSL Project Manager Peter Theisinger of NASArsquos Jet Propul-sion Laboratory (JPL) in Pasadena Calif ldquoThe landing takes us past the most hazardous moments for this project and begins a new and exciting mission to pursue its scientifi c objectivesrdquo

Confi rmation of Curiosityrsquos success-

ful landing came in communications relayed by NASArsquos Mars Odyssey orbiter and received by the Canberra Australia antenna station of NASArsquos Deep Space Network

Curiosity carries 10 science instru-ments with a total mass 15 times as large as the science payloads on the Mars rov-ers Spirit and Opportunity Some of the tools are the fi rst of their kind on Mars such as a laser-fi ring instrument for checking elemental composition of rocks from a distance The rover will use a drill and scoop at the end of its robotic arm to gather soil and powdered samples of rock interiors then sieve and parcel out these samples into analytical laboratory instru-ments inside the rover To handle this science toolkit Curiosity is twice as long and fi ve times as heavy as Spirit or Opportunity The Gale Crater landing site places the rover within driving distance of layers of the craterrsquos interior mountain Observations from orbit have identifi ed clay and sulfate minerals in the lower layers indicating a wet historyrdquo

One of the fi rst images returned form the mission was ldquofrom the High Resolution Imaging Science Experiment (HiRISE) camera aboard NASArsquos Mars Reconnaissance Orbiter (MRO) captured the Curiosity rover still connected to its

Score a big one for NASA

51-foot (almost 16 meter)-wide parachute as it descended toward its landing site at Gale Crater Sunday

Timing is often everythingldquoIf HiRISE took the image one second

before or one second after we probably would be looking at an empty Martian landscaperdquo said Sarah Milkovich HiRISE investigation scientist at the Jet Propulsion Laboratory (JPL) in Pasa-dena Calif ldquoWhen you consider that we have been working on this sequence since March and had to upload com-mands to the spacecraft about 72 hours prior to the image being taken you begin to realize how challenging this picture was to obtainrdquo

The image was taken while MRO was 211 miles (340 kilometers) away from the parachuting rover Curiosity and its rocket-propelled backpack contained within the conical-shaped back shell had not deployed yet At the time Curiosity was about two miles (three kilometers) above the Martian surface ldquoGuess you could consider us the closest thing to paparazzi on Marsrdquo said Milkovich ldquoWe defi nitely caught NASArsquos newest celebrity in the actrdquorsquo

Source NASA


Work VisasGreen Cards thru Employmentbull Family Visasbull Student Trainee Tourist Investors Visas bull Reinstatement of Petition bull Deportation Defensebull International Adoptionbull Appeals Motions to ReopenReconsiderbull BatteredAbused Spousebull I-601 Waivers (Hardship)bull Consular Support in Manilabull

IMMIGRATION (619) 819-8648Speak directly with an Attorney

The Law Offi ces of SUSAN V PEREZ offer the following services

We also handle ALL PHILIPPINE cases and have an offi ce in Manila to service your needs there

Susan Perez is a licensed attorney both in the State of California and the Philippines She has eighteen (18) years of combined experience in both jurisdictions in the areas of Immigration Family Appellate Juvenile Dependency Civil Criminal Labor Contracts Tax and Business Law She is also admitted to practice before the Ninth Circuit of the Court of Appeals and the District Courts of Southern California and Central District of California

Nagsasalita ng Tagalog asin Bicol

By Appointment only from 900 to 530 Monday thru Friday

San Diego Office Manila Office625 Broadway Suite 1015 Suite 2502-A East TowerSan Diego CA 92101 Philippine Stock Exchange CentreTel No (619) 819-8648 Exchange Road Ortigas Center Pasig CityFax No (619) 923-9555 Tel Nos (632) 687-2565 687-9851 Email svplawaolcom Fax No (632) 687-2565

Atty Susan V Perez

Visit our website wwwlaw-usimmigrationcom

Se Habla Espanol

(Continued from page 6)

Health Care Reform

a tax penalty of $2000 to $3000 per employee minus the fi rst 30 employees In San Diego County there are 4350 businesses that have at least 50 workers Many businesses said they will decide to pay the pen-alty instead of paying the premium However some stated they will not do that since they care about their employees and they have to stay competitive with other employers

Health Care and ProfessionalsPhysiciansThey will receive incentive pay-

ments for participating in quality improvement

Programs which later turn into penalties for non-participation

To address the growing need for shortage of doctors especially in primary care the ACA offers educa-tional grants and loans to encourage medical school students to go into primary care and a loan for forgive-

ness program for new doctors who agree to work a certain number of years in rural and underserved areas

Until 2016 primary care doctors with a large proportion of Medicare patients get a 10 payment bonus as do surgeons in service shortage area The law increases the pay in 2013-2014 an average increase of about 34 Many physician groups say that the law does not address Medicaid and Medicare payments that are too low and is a disincentive for doctors

HospitalsThe law establishes new reporting

requirements for nonprofi t hospitals and more oversight programs

Medicaid and Medicare will no longer pay costs related to hospital acquired infections

Expanded Authority to bundle payments Medicare is testing pro-grams using per patient or procedure payments to hospitals instead of pay-ments for each service given

A voluntary Accountable Care Or-ganization (ACO) program encour-ages groups of hospitals doctors and other providers to coordinate

care for Medicare patients with the incentive of getting a share in any cost savings Hospitals will get less federal funding for serving a disproportionate share of Medicare or charity care patients in 2014 when more people have insurance cover-age More people will be covered because those who would otherwise not have been able to get health care now can

Preventive Care NEXT ISSUE

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Good News Pilipinas | MANILA 7252012 -- CNN the global news network recently featured the econom-ic progress in the Philippines in an on line article entitled ldquoWhat is driving the Philippinesrsquo surprisingly strong growthrdquo The story written by Vanessa Ko explained that despite the global economic turbulence the country ex-panded in the fi rst half of the year and outpaced many of its Asian neighbors

Here is the story of Vanessa Ko and the link on the CNN website httpeditioncnncom20120712worldasiaphilippines-surprise-surgeindexhtml

As emerging markets slump and the euro zone continues to struggle the Philippine economy made a surprising surge in the fi rst part of this year The slowdowns in BRIC countries China in particular are feared to drag down the global economy But in the fi rst quarter of 2012 the Philippine economy grew 64 the fastest since 2010 and already far outpacing the International Monetary Fundrsquos forecast growth of 35 for this year

The growth surge was driven in part by a recovery of electronics exports af-ter a decline in demand last year while analysts say the economy was buoyed by strong domestic consumption

It is the money sent home to the Philippines by its overseas workers known as remittances and the rise of outsourced call centers that serve as the long-term stabilizers relatively un-hindered by a sagging global economy according to analysts

ldquoAbout 70 of our economy is from consumption so remittance is the key fuel behind thatrdquo said Haj Narvaez Manila-based head of research for the Philippines at Credit-Suisse ldquoIt drives consumption in malls Even on the property side the government estimates a third of remittances go into home purchases and rentals of propertiesrdquo

It is estimated that 11 of the popu-lation of 92 million work overseas Remittances account for about 10 of the countryrsquos GDP which totaled $225 billion in 2011

Because Filipinos head to a wide variety of countries to work the diver-sity protects them from the full impact of regional economic troubles The Middle East has the largest portion of the Philippinesrsquo overseas labor force with 61 working there Asia is the next highest with 27 followed by the 6 in Europe

Moreover these migrants often work as domestic workers nurses or skilled technicians types of jobs that are believed to be less vulnerable during

an economic slowdownldquoYou have an aging population in

the West and you have a young popu-lation here in the Philippines that is waiting to do jobs that some people in the West arenrsquot willing to dordquo Narvaez said

Another sector that has helped drive consumption is the call center industry which has overtaken Indiarsquos as the largest over the past decade These jobs are considered well ndash paid mdash enough for workers to afford after several yearsrsquo employment down pay-ments on condominiums in Manilarsquos booming property market Narvaez said

These jobs could leave the country structurally well positioned going into a slowdown as wealthier economies seek to cut costs they tend to increase outsourcing to low-cost English-speaking markets like the Philippines

Singapore-based Edward Teather the senior economist for ASEAN at UBS said the Philippines has experi-enced ldquoa virtuous circle of improved stabilityrdquo with more investments lower infl ation currency valuations going up and interest rates coming down

Other factors that have aided in the countryrsquos growth early this year are the transfer of operations to the Philip-pines from Thailand by fl ood-disrupt-ed businesses said Teather as well as improved electronics exports

While most analysts are optimistic they do not expect growth for the year to be maintained at the fi rst quarterrsquos level mdash Bloombergrsquos compiled predic-tions for GDP growth in 2012 aver-ages at 42

Standard amp Poorrsquos upgraded the countryrsquos debt rating last Wednesday to BB+ one notch below investment grade

Last Friday the Philippines Stock Exchange Index hit an all-time high The peso was the best performer among the 11 major Asian curren-cies according to Bloomberg up 5 against the dollar this year

Cuts in interest rates and the govern-mentrsquos plans to spend more aggres-sively have boosted investor confi -dence in the Philippines which has a third of its population living below the poverty line of $125 per day

Economists also credit President Benigno Aquino for his efforts to push back corruption and undertake infra-structure projects

ldquoYou can see evidence of construc-tion activity in Manilardquo Teather said ldquoYou can see cranes on the horizon You can see new roads have been put in placerdquo

CNN highlights progress in the Philippine economy


By Jocelyn R Uy Philippine Daily Inquirer | YEOSU South Korea 7302012 mdashFor its powdery sand beaches crystal clear waters and extensive marine biodiversity the

Philippines is not only attracting potential tourists here but also great allies in the protection and preser-vation of its abundant coastal and marine resources

Joining more than 100 countries in showcasing their marine resources at the 2012 Yeosu Expo the Philip-pines has set up a pavilion in this South Korean coastal province that takes thousands of visitors daily to a virtual scuba-diving expedition of its inherent shoreline and underwater opulence

Lee Joon-hee commissioner gen-eral of the international exposition being held in Yeosu 455 kilometers south of Seoul said the Philippines being one of the 17 mega-diverse countries in the world with an abun-dant marine life deserve the best care and attention the world could offer

ldquoLocated at the center of the Coral Triangle the Philippinesrsquo more than 7000 islands have a unique and diverse marine life with vast coral reefs and sea grass bedsrdquo Lee said

Philippines attracts allies to protect biodiversity

at the celebration of Philippine Na-tional Day at the expo on July 22

ldquoIt goes without saying that the Philippines has a rich marine diver-sity and it deserves the best care and

attention we can offerrdquo the Korean official stressed

Environmental preservationLee also cited the Philippines for

its interest in environmental preser-vation and active role in the interna-tional movement to protect marine resources

Almost a million Koreans visit the Philippines yearly for its blue waters and white-sand beaches he said

Lee added that the Philippinesrsquo world-class diving opportunities attracted not only Koreans but also many other tourists from across the world

Each participating country has a day for promotion at the expo which has the theme ldquoThe Living Ocean and Coastrdquo

During its turn on July 22 the Philippines wowed the hundreds of thousands of visitors-mostly South Koreans-with a vivid cultural pro-gram showcasing the countryrsquos arts

A diver hand-feeds fish in the crystal-clear waters off Boracay in this 2005 file photo AFP


Global Filipino

ABS CBN News | MANILA Philippines 872012 ndash Unbeaten Filipino lightweight Mercito ldquoNo Mercyrdquo Gestarsquos ninth-round techni-cal knockout of American Ty Barnett may have earned him a shot at a world championship

PhilBoxingrsquos Ronnie Nathanielsz reported that Gesta is set to chal-lenge Mexican champion Miguel

Gesta may fight IBF champ Vazquez

Top Hundreds of boxing fans had a fun time at the victory celebration of Mercito No MercyGesta on April 22 2012 at Rohr Park in Bonita Mercito was kept busy all day signing autographs on T-shirts and posing for photos with his fans In this photo are (L-R) Anecito Gesta Mercitos dad holding a copy of the Asian Journal famous boxer Mercito Narrie and Zena Sultana Babao Below Mercito and his team

ABS CBN News | MANILA Philippines (UPDATED) 8712ndash A dance group in the Philippines won first place in the adult division of the World Hip Hop Dance Champion-ship held in Las Vegas Nevada on Sunday (Monday in Manila)

ldquoThe Crewrdquo of the University of the Philippinesrsquo StreetDance Club bested dance teams from 43 coun-tries after getting a score of 739 in the adult division finals

Mexico placed second while the United States landed in third place

ldquo[Itrsquos] a miracle We didnrsquot really expect itrdquo one of the members of

The Crew told ABS-CBN NewsldquoMahal namin lsquoyung ginagawa

namin Even if wala talagang su-musuporta sa amin gagawa kami ng paraan to be here para lumipad to represent our country and para talaga gawin lsquoto Mahal namin lsquoyung sayaw mahal namin si Godrdquo another said

Chet Buchanan host of the World Hip Hop Championship meanwhile said ldquo[The Philippines] Itrsquos such a proud nation and they take hip hop seriouslyrdquo

The Philippine Allstars who won the 2008 World Hip Hop Champion-ship also extended their congratula-tions to The Crew

ldquo2012 World Hip Hop Dance Championshellip From the Philip-pines The Crew Congratulations

The UP StreetDance Club posted this photo of members of dance group The Crew wearing their gold medals after the World Hip Hop Dance Championship in Las Vegas Photo from Jerome Dimalanta

Pinoy group wins in world

hip hop tilt

Woooooooh Pinas Pataasrdquo the group said

The dance group Jabbawockeez which mostly consists of Filipino-Americans received the World Hip Hop Living Legend Award in this yearrsquos competition

Vazquez later this year Vazquez holds the International Boxing Fed-eration light weight title

ldquoI want him (Gesta) to fight Miguel Vazquez as soon as possi-blerdquo Top Rank chief executive Bob Arum told Nathanielsz

ldquoI talked to (Gestarsquos manager) Vince Parra and they are going to get a nutritionist to make sure he

can do 135-pounds and if they can I will make that fight in October or Novemberrdquo Arum added

Barnett had promised to ldquoexposerdquo Gesta in the days leading up to their fight but instead got knocked out in the ninth round as ldquoNo Mercyrdquo improved his record to 26 wins with no loss and one draw

Vazquez with 31 wins and three losses will be Gestarsquos toughest foe so far with Parra calling him the ldquomost difficult awkward guyrdquo at the lightweight division

ldquoVazquez) is long hersquos lanky but he doesnrsquot do anything special But what he does he does very wellrdquo Parra said in an interview with Na-thanielsz ldquoHe keeps you off balance and uses his reachrdquo

ldquoBut we feel confident Mercito can get past that and with some fine tuning and making sure that his nutrition is right and hersquos nice and strongrdquo he said ldquoWe feel confident that he can beat Vazquez either by decision or stoppagerdquo

Parra said they may have to make some changes to Gestarsquos diet admit-ting that the Filipino boxer has not made the 135-pound weight limit officially in a couple of years

ldquoHersquos grown up since then but we can go out and make some changes in his diet and make sure that hersquos going to be at 100 at 135rdquo Parra said ldquoWe know we can make the weight but we want to make sure he is going to make it without a problemrdquo


On Saturday the UP StreetDance Club won the bronze medal in the MegaCrew category of the World Hip Hop Dance Championship ndash With a report from Bev Llorente ABS-CBN North America News Bureau

on original maturity and 64 times based on residual maturityrdquo he explained

Net international reserves mdashGIR minus the BSPrsquos short-term liabilities mdash like-wise rose to $793 billion

Dollar Reserves(Continued from page 4)


DISH Mabuhay PackageOnly $1999mo

I N T E R N A T I O N A L

GMA Pinoy PackageOnly $1999mo

0 August 10-16 2012Asian Journal - (619) 474-0588 Visit our website at httpwwwasianjournalusacom


against Spanish colonialism It was time to realize the dream of the national hero and physician Dr Jose Protacio Rizal

Choosing which side the idealistic medical student must join in the struggle for national independence for the heart and soul of the moth-erland was a no brainer The tough part was following through with the decision Was it enough to attend communist teach-ins

join rallies and demonstrations distribute flyers and write letters to the editors Or did real commitment to the cause of national indepen-dence entail leaving medical school giving up prestige and a secure future and joining the communist movement

ldquoDr Delima there is enough hot water and the instruments are ready for your operationrdquo the mananabang interrupted his thoughts

ldquoThank you Amparo Can you please ask for more lamparillas I need more light to do the operationrdquo

Notes 1 Mananabang - midwife or

native physicianrsquos assistant 2 Compradors ndash literally

buyers National and international businesses and their agents who take advantage of the countryrsquos agricul-tural and economic resources with-out contributing to the national good

3 Lamparillas ndash native kerosene lamps popular in rural areas where electricity is scarce or non-existent

(To be continued)

By Zena Sultana Babao

Why is it that some radical ele-ments in our country are departing from Christian values and the teach-ings of the Bible Why is it that the mere mention of God is anathema to these people Do they know that what they are doing is an act of rebellion against the Lord

ldquoAmerica has become anti-God supporters of the gay and lesbian agenda and lovers of gratuitous sex and violencerdquo pastor and author Eddie Thompson wrote ldquoThe same radical influences that have been eroding the presence of God and the Bible from our courts our colleges and our public squares in America are driving the agenda in Hollywoodrdquo

Itrsquos true The entertainment industry is conducting a massive conspiracy to ldquore-educaterdquo people whose morality conflicts with their own lack of the same They cater to a generation of seemingly sex-starved shallow morally deprived people craving for sex and violence so they turned our theatre screens and television sets into temples of smut and depravity

What are being offered mostly to the public are movies of no moral substance and historic sig-nificance They distort history and peddle immorality exploit lust and nurture it for profit and they revel in their ungodly practices And the liberal media supports them whole-heartedly

No wonder most of the world look at us and see a depraved society ndash people who are full of immorality and love for material things Take a look at television programs and movies being shown in all parts of the globe The entertainment indus-try has been feeding us with liberal immoral atheistic products designed to eradicate what to them are ldquoout-datedrdquo traditional values

So how do we counteract what they have done It would be very hard to do it but we must We who profess to be Christians should not be deterred from spreading the word of God

A passage from the Book of Jeremiah says ldquoLet not the wise man glory in his wisdom let not the mighty man glory in his might nor the rich man glory in his riches but let him who glories glory in this that he understand and knows Me that I am the Lord exercising loving kind-ness justice and righteousness in the earth For in this I delightrdquo

Few truly know and un-derstand God today In the words of one theologian ldquoModern men often search for God in vainrdquo The main reason is that most people receive their concepts of God from other people rather than from Godrsquos inspired Word the Bible

That is why their view of God almost never accurately matches the biblical revelation of what God is like Let us briefly look at the major

attributes and qualities of God (real-izing of course that there are many more)

Creator God is the Supreme Creator of everything Yet in the last century and a half the theory of evolution has become a big barrier to the belief in God as Creator This atheistic line of thought dominates the thinking of the worldrsquos intel-ligentsia In fact much of modern higher education is based on an irrational belief in a series of lucky accidents ndash mindless evolution

Lawgiver One of the greatest gifts God has given us is His spiri-tual law ndash the Ten Commandments which is a law of love Jesus Christ summed up the Ten Commandments in two broad principles love of God ldquothe first and great commandmentrdquo and love of neighbor

Love Love is the first and foremost expression of Godrsquos Holy Spirit the first gift of God that every person should seek Sadly

the word ldquoloverdquo is probably the most misused misapplied

term in the English language Lustful desire to possess

another person most certainly is not real

love Love is so con-fused with lust in the TV and movie world Many

are misled into sin by countless

fantasy films promoting illicit eroticism

Justice and Mercy

Godrsquos love embraces both justice and mercy It is because of the divine attribute of justice that the penalty for our transgressions of Godrsquos law has to be paid But it is through divine mercy that Christ died for our sins Sin constituted rebellion against God who opposes all forms of evil True repentance is the first step on our way back to him Yet reconcilia-tion to God the Father could only be made possible by the steepest price imaginable ndash the shed blood of his son Jesus Christ

Eternal No one created God God existed before everything His existence is from everlasting to everlasting

Great Healer In spite of all the wondrous achievements and advancements in medical science mankind is still plagued with a lot of diseases Certain medicines can aid the healing process though sometimes with serious side effects Human beings still desperately need divine healing Many Christians are not even aware of the Biblersquos instruction when they become ill which is to ask the elders of the church to pray over them in the name of the Lord

Ultimate Planner All human beings are important in Godrsquos eyes and He has a plan for us The first step in Godrsquos plan was the sacri-fice of His son so our sins could be forgiven But his divine plan does not stop there He made known to us His secret purpose in accordance with the plan that He determined beforehand in Christ to be put into effect when the time was ripe namely that the universe every-thing in heaven and earth might be brought into a unity with Christ God will complete his great purpose in the step-by-step order revealed in the Bible

Reveals the Future No hu-man seer or prophet could have accurately predicted the remarkable rise and fall of nations leaders and people foretold in the Bible God counsels us all ldquoto remember the former things of old (the things he has already accomplished) for I am God and there is none like me de-claring the end from the beginning and from ancient times things not yet donerdquo (Isaiah 469-10)

God not only foretells a won-drous future world of prosperity peace and plenty (when Jesus comes back to earth as Lord of Lords and King of Kings) but also a time of horrifying catastrophe that man will bring on himself We might be seeing that time very soon ndashzenasul-tanahotmailcom

An Act of Rebellion

ldquoWersquoll work with every student to take full advantage of their transfer credits and help them fill in any missing re-quirements In todayrsquos economy and with so many non-traditional students and recent veterans looking to ad-vance their education to secure better careers we felt it was important that Alliant develop a system that ensures that students can enter at any point in the curriculumrdquo

Currently these new offerings are only available to students enrolled at Alliantrsquos San Diego campus Depend-ing on the interest and success of these new offerings Alliant may consider expanding this program to its other seven California campuses For fur-ther information and to apply for the Alliant Direct to Success Scholar-ships visit httpsuccessalliantedu or call the Admissions Office at 1-866-U-ALLIANT

About AlliantAlliant International University is

a private not-for-profit university ac-credited by the Western Association of Schools and Colleges (WASC) Alliant was formed in 2001 by the merger of two legacy institutions the California School of Professional Psychology and United States International University with more than 45000 alumni Today Alliant serves more than 4000 stu-dents in six California cities and three international locations It is one of the most diverse universities in the nation Alliant qualifies as a Hispanic Serving Institution and has been recognized as one of the top ldquoMilitary Friendlyrdquo universities in the country For more details visit wwwalliantedu



Chapter 3 Rebel Doctor

Olympic memories


Book The Dark Nights of Father Madrid

Selection

a historical novel byDr Ed Gamboa MD

Light ampShadows

Read Zena Babaorsquos previous articles by visiting our website at wwwasianjournalusacom

by Zena Sultana Babao

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Midway through medical school he was invited to attend a teach-in put up by the KM (or Kabataang Makabayan the leading communist youth organization) He learned that the country was caught in the vortex of two opposing forces well-entrenched imperialism and feudal-ism on one side versus a struggling national democracy on the other

Imperialism was perpetrated mainly by Uncle Sam the militarily and economically powerful United States of America while feudal-ism born soon after the Portuguese explorer Fernando de Magallanes discovered the country in 1521 was sustained by Spanish landlords and their descendants and by self-serving ldquocompradorsrdquo The majority of Filipinos who yearned for national democracy were the powerless workers and poor peasants the ldquopetty bourgeoisierdquo (small property owners students intellectuals and professionals) and the ldquonational bourgeoisierdquo (entrepreneurs and traders)

It was time to liberate the moth-erland from its economic political cultural and military bondage It was time to achieve the long over-due national democratic aspirations of the 1896 Philippine revolution

each won 4 gold medals in tennis equal-ing the record set by Arantxa Sanchez of Spain and Steffi Graff of Germany GBrsquos Sir Chris Hoy won the most Olympic track cycling gold medals in Olympic history with five

Talking about SPEED the fastest in both 100 m and 200 m dash among the men is Usain Bolt His own record has yet to be broken In swimming the fastest menrsquos 1500 freestyle is 5598 seconds and was achieved by Sun Yang Missy Franklin Rebecca Soni Dana Vollmer and Allison Schmitt ran the fastest in womenrsquos 4 x 100m medley relay with 3 minutes and 5205 seconds Missy Frankin also ran the fastest in 200m backstrokes with 2 minutes 406 seconds

Looking at AGE the youngest Olym-pian and Gold Medalist is 15-year old Katie Ledecky of Bethesda Maryland She also sets the US record in 800-me-ter freestyle Laura Trott of GB is also the youngest in a girlsrsquo cycling event She was 20 years old when she won gold as part of GBrsquos team pursuit trio Felix Sanchez of the Dominican Repub-lic became the oldest person to win the 400 m hurdles at age 34 with a time of 4763 seconds at the Olympics

For STRENGTH and AGE Zulfiya Chinshanlo of Kazakhstan is the young-est weightlifting gold medalist in the

OlympicsThere are other records already broken

and may still be broken as the Olym-pics continues as of this writing I will discuss them in my next article GB (GREAT BASKETBALL) The basketball tournament is not done yet but worth mentioning is the amazing performance of Team USA so far In the US vs Nigeria game noted are the following statistics Team USA scored a total of 29 three-point goals (record) 156 points (record) 42 assists 49 points in one quarter point difference of 83 points and Carmelo Anthony hitting 10 three-point field goals (record) GB (GOOD BROADCASTING) Congratulations and a big thank you should be extended to NBC and its af-filiates NBC Sports MSNBC CNBC and BRAVO its APPS NBC Olympics and LIVE EXTRA and of course its websites wwwnbccom and wwwnbcolympics

I look forward to accessing ALL of them for the rest of the Olympic games

GB ndash Goodbye for now

Alliant University MiraCosta College Offers Linked Classes this Fall MiraCosta College is offering a

new linked learning experience this fall BIG SOCIETY Where do you fit in These courses are especially designed to be taken together by the same group of students These linked courses will reinforce and en-hance your critical thinking reading and writing of sociological topics Designed for those who are eligible for ENGL 50 students will enjoy more support in their development of the academic reading and writing expectations of the transfer level course SOC 101

Students who enroll in SOC 101ENGL 50 will benefit from the fol-lowing collaborations

middot SOC and ENGL assignments overlap to reinforce concepts and skills for success

middot Instructors work together to ensure greater connections with students and their learning needs

middot An in-class Writing Center consultant provides supplemental support in the English class and an after-class study group provides another opportunity for academic growth

These linked courses are offered at the following times

middot ENGL 50 section 2741 TuesdayThursday 1130 am-120 pm on the Oceanside Campus lo-cated at 1 Barnard Drive Instructor Teresa Guinon

middot SOC 101 section 2705 Tuesday Thursday 930-1050 am also on the Oceanside Campus


Chicago concerning the Blessed Virgin Mary This talk was all the more remark-able since the students all knew Franz was a Jew During the short question period after the speech one student asked the refugee from Nazi persecu-tion ldquoMr Werfel if I am not getting too personal could you explain how it is that you seem to know so much about the Catholic Church and its teachings and still you are not a Catholicrdquo ldquoYesrdquo he answered ldquoI can Faith is a gift and I have not yet received that giftrdquo

St Thomas Aquinas asserted ldquoNo one of us can attain to this vision of God except by being a learner with God as our teacherrdquo This is the paradox of faith On the one hand from our side faith is a free assent to the truths of God that are essentially needed for our holiness and salvation (subjective aspect of faith the habit or virtue by which we assent to those truths) On the other hand from Godrsquos side faith is his gift enabling us to make that response (objective aspect of faith the sum of truths revealed by God in Scripture and tradition which the Church presents to us in her creeds) No one on his own faculties can learn and grow in his understanding of the mystery about God even imperfectly and incom-pletely without faith

Though faith is freely given yet God does not deprive us of the exercise of our free will Faith requires our willing-ness and openness so that Godrsquos grace can infl uence us to assent to all that he teaches us St Thomas Aquinas wrote that a person of faith receives willingly and consciously anything from God to support his faith over unbelief

To freely receive Godrsquos gift of faith means that it is our grave responsibility to act on this gift Faith should shape change and direct our lives Paul J Wardell CP contends that to assent to the truths of faith is to allow the stories of God constitute and shape our world and us Those truths such as those nar-rated in the Scriptures and the paschal mystery of Jesus should be the norma-tive and interpretative framework for our lives We live those truths The attitudes and characters of Jesus become ours

A rural community was suffering from a terrible drought their crops ndash their livelihood ndash were threatened The priest told his parishioners ldquoThere isnrsquot any-thing that will save us except a litany for rain Go to your homes fast every day from sunrise to sunset believe that God will answer your prayers and come on Sunday for the litany of rainrdquo The vil-lagers heard him fasted during the week and went to church on Sunday morning But as soon as the priest saw them he was furious He said lsquoGo away I will not do the rain litany You do not believe ldquoBut Fatherrdquo they protested ldquowe fasted and believedrdquo ldquoBelieve Then where are your umbrellasrdquo

Quotation of the Week ldquoFaith is different from proof the latter is human the former is a gift from Godrdquo Blaise Pascal

ldquoFilipinos are very positive people they always have the faith at the middle of crisisrdquo-- Annabel Biadora from her blog mylittlewebplaygroundcom (October 2011)

Isang Basong Gatas (2)Subalit ang matinding gutom nabakas ng babae kung kayat lsquosang basong gatas ang binigay sa lalakedahan-dahang namang ininom gatas na isinilbihanggang sa mahimasmasan ng husto ang gutom na pobre

Matapos makainom tinanong niya kung magkanoang halaga nitong gatas na sa kanya ay inalo sagot ng babaersquoy ldquowala kang utang sa akin ihoturo ng magulang korsquoy maging mapagbigay sa taordquo

ldquoKung ganoon porsquoy maraming salamatrdquo kanyang nawikaat saka siya nagpatuloy sa kanyang pagtitindamagaan ang kalooban at may laman na ang bitukanagpasalamat sa Diyos wala siyang kasinsaya

At maraming pang mga taon ang matuling lumipasnaging mahina na ang babaeng nagbigay ng gatasminsarsquoy nakaramdam ng sakit na halos mangi-ngiyakkayarsquot siyarsquoy isinugod sa pagamutan kaagad

Nagkaroon ng pag-aalala doktor na tuminginkung kayarsquot nirekomendang sa lunsod na siya dalhinlsquosang espesyalista ang inatasang siyarsquoy suriinupang sakit agad malunasan at agad gamutin

copy2012 Virginia H Ferrer All rights reserved

About the Author Virginia H Ferrer is a Retired Filipino Language Teacher at Otay Ranch High School in Chula Vista

About 60 percent of the Philippines capital of Manila is underwater after 11 straight days of monsoon rains (PDI)

Spiritual Life

Read Monsignorrsquos previous articles by visit-ing our website at wwwasianjournalusacom

by Msgr Fernando G Gutierrez

Lower Your Nets

BalintatawRead Virginia Ferrerrsquos previous articles by visiting our website

at wwwasianjournalusacom

by Virginia H Ferrer

THE FIAT OF THE ETERNAL FATHERsay every morning

My Beloved Father Thy will be done on earth as it is in Heaven Be Thou my Father Be always my Eternal Father Do not leave my soul Do not abandon me Do not leave me out of Your sight my Fatherfor I am Your child whom You have created to please You to adore You to honor You living my days as You have given me the license to live it (I offer up this Fiat through Mary to Jesus to You Eternal Father]

ldquoDay after day my children say that in your mind That will be the way you will say your FIAT to your Father And I your Father will open My arms like this (and He stretched out his arms) and I everyday will gather you in My arms and I will hold you and I will rock you as your BELOVED MOTHER (Blessed Mother) rocks each baby in her arms For yes you are My children Remember the FIAT of each day as you live As you do this from the beginning of the day I promise you My children I guarantee you I will cover you in My arms I will send you My angel s with St Michael to protect you and all the saints of your baptisms and of your devotions to be with you during the day to guide you and assist you I promise you you will feel the power of My great LOVE for you that I will send you day in and day out But you have to offer me - everyday - as you get up in the morning - that FIATrdquo -- Maryrsquos Call 12400 Olive bull Kansas City MO 64146 816-942-9783 bull Fax 816-942-4313 bull raymc777yahoocom

August 12 19th Sun in Ord Time

Joke of the Week George was hard-headed to put it mildly When a fl ood hit the area he climbed to his roof A rescue boat came by but George called back to their offer of help ldquoNo thanks I have faith in the Lord He will save merdquo The waves came higher and George scrambled to the tip of roof Another boat came by to save him but George waved them off professing his faith that the Lord would save him When the waves began lapping his feet he pulled himself to the top of chimney A helicopter swooped down to save him but George was still depending on the Lord You can guess what happened George drowned When he stood before

the Lord he complained ldquoLord I had such faith in you Why didnrsquot you save merdquo To which the Lord replied ldquoWhat more do you want from me I sent you two boats and a helicopterrdquo

Scriptures First Reading 1 Kings 19 4-8 In this passage from the First Book of Kings the prophet Elijah goes through a crisis of faith Life has become so miserable and diffi cult because he is not any better than his fathers Moses and Joshua He then asks the Lord to allow him to die Second Reading Ephesians 4 30-52 Every human act motivated by faith produces good deeds because of the activity of God in Christ Forgiveness among us is made possible

because God has already forgiven us in Christ

Gospel John 6 41-51 From Godrsquos side faith is Godrsquos gift to us from our side faith is our response to this gift Faith is a gift God always takes the fi rst move

Refl ections Daniel Lord narrated this story about the famous author of ldquoThe Song of Bernadetterdquo Franz Werfel who gave an enthusiastic graduation talk at Mundelein College for Girls in

The Subjective and Objective Faith




EntertainmentShowbiz Watcher

Read Ogie Cruzrsquos previous articles by visiting our website at wwwasianjournalusacom

by Ogie Cruz

Geneva Cruz

IW Group 82749

L17_Fil_K_13x103757-12-12

HP85

JF

Struggling to Hold On to Your Home p 21Call 888954KEEP (5337)

By Ogie Cruz

Naggagalaiti sa galit ngayon si Tita Swarding sa mga Noranians dahil sa akusasyon sa kanya na bayaran at spy raw siya ni Vilma Santos

Dati ay pamosong tagapagtang-gol siya ng Superstar kaya minsan nga nakasagutan niya ang mga Vilmanians sa Facebook about sa nai-tagged namin sa kanya kung sino ba kina Vilma at Nora ang tunay na Movie Queen ng Phil Movies

Hindi na raw ito ang mga tunay na Noranians dahil kung anu-ano raw ang tinawag sa kanya ng mga ito na halos hindi mo makakain ang mga

sinasabi Ilang beses rin nasabi na pupunta

sa kanyang radio program sa DZRH ang Superstarpero halos dalawang linggo na nasa Pilipinas ito ni anino nito ay hindi pa niya nakitaMabuti pa raw si Cristy Fermin na dating tumutugligsa sa Superstar pinun-tahan pa nito sa dressing room ni Nora Aunor

Sabi nga ni Tita Swarding showbiz lang ang pagkikita ng dalawang itoPagpapahalaga sa kanya ang hindi niya naranasan kay Ate Guy kaya siguro masama na rin ang loob ng DZRH showbiz announcer

Nagising na raw siya sa katoto-hanan na si Nora Aunor ay kailan-

gan manahimik na lang dahil wala na raw career ito dahil hindi naman kumikita ang mga movies kaya raw hindi maipalabas ang lsquoThy Wombrsquo sa Pilipinas dahil wala naman daw manonood at tiyak lalangawin lang dawMabuti pa raw si Vilma Santos talagang totoo Box Office Queen hanggang sa ngayon

ldquoVilma Santos na ako ngayon dahil nagising na ako sa katotohanan at totoong susuportahan ko na siyaSa totoo lang mas may res-peto ako sa mga Vilmanians kaysa sa mga iilang Noranians lang na walang ginawa puro mag-away at magpayabangan Doon na ako sa systematic na fans kagaya ng mga

Vilmaniansrdquopagtatapos pa ni Tita Swarding

PHIL-AM SHANICE HAYES SEMI-FINALISTS SA AMERICArsquoS GOT TALENT Last Monday pumunta sa office ng Asian Journal sina Shanice Hayes at ang kanyang father na si Maurice Hayes para humingi ng tulong ng mga Filipino para iboto sila sa lsquoAmericarsquos Got Talentrsquo semi-finalist sila ngayon sa naturang show

Napanood nga namin ang kanilang video sa ShaniceMauriceHayes sa Facebook kung saan sumali sila sa nasabing showPinagmamalaki ni Shanice na isa siyang pinay at tak-

Tita Swarding Bayaran at Spy Raw ni Vilma

Megaworld DM Katrina Gafud (left) with Julius Obregon (center)

enote may alam siyang mga salitang Pinoy unlike ni Jessica Sanchez na hanggang ngayon ay hindi pa namin nadinig na nagsalita ito ng single word na tagalog

Nagparinig nga siya ng isang awi-tin na nai-post namin sa facebook ng Asian Journalpara madinig at makilala siya ng ibang pinoyPwes Suportahan natin ang duet nina Shanice at Maurice Hayes sa pagpa-patuloy na laban nila sa lsquoAmericarsquos Got Talentrsquo na maaari raw mangyari sa last week ng August o first week ng SeptemberTulungan po natin at iboto si Shanice at Maurice Hayes sa lsquoAmericarsquos Got Talentrsquo

GENEVA CRUZ PINAGKAGU-LUHAN SA BENrsquoS BAR amp RES-TAURANT Last Thursday Aug 2 nakumbida kami ni Ms Cari Ramos

para sa show ng Sexy Singer na si Geneva Cruz sa naturang Bar

Super Sexy pa rin ang Geneva at tunay naman na pinagkaguluhan siya ng mga audience roon na karami-han ay mga DoctorsHindi namin ini-expect na ganong kagaling ang performance ni Geneva at pati ang timbre ng boses niya

Noong sa Pilipinas pa kami as movie reporter hindi namin masyadong pansin ang nasabing singerkaya nabigla kami sa ipina-malas niya sa naturang show

Kaya lang ayaw niya magpa-interview at that time nagbibisibihan sa cellphone niya at kung anu ano ang dahilan Kumanta rin doon si Dr Tess Mauricio na first time lang

Shanice and Maurice Hayes

Tita Swarding (center) and celebs Vilma Santos and Nora Aunor



Tech ITfrom My Barber

by Benjamin Maynigo

TrendsNavy Scientists Develop

Underwater Solar Panelsby SAMMY ROTH on JUNE 13

2012 at 400AM PDT Therersquos a lot worth researching in

oceans rivers and other bodies of wa-ter from different kinds of pollutants to acidifi cation levels Scientists have got-ten pretty good at creating underwater sensors for these projects but theyrsquove always been held back by various constraintsmdashincluding unsurprisingly the lack of good underwater power sources As one UCSD researcher put it in 2009 ldquoWorking underwater means you donrsquot have access to a wall socket for plug-in powerrdquo But the world of un-derwater power might change thanks to a recent discovery out of the US Naval Research Laboratory where scientists have made a breakthrough with under-water solar cells

Underwater solar power might sound like the stuff of science fi ction but Navy researchers are making it happen

The problem with generating solar power underwater in a nutshell has been that most solar cells are built to absorb the entire spectrum of radiation spewed out by the sunmdashmuch of which is absorbed by water rendering it use-less But some of the sunrsquos radiationmdashspecifi cally blue-green lightmdashis not so easily absorbed (thatrsquos what gives the ocean its blue-green color) Navy sci-entists just had to come up with a solar cell that focused on turning blue-green light into electricity and prestomdasha brand new underwater power source

Solar power currently provides just a tiny tiny fraction of the electricity used in the United States but it has the potential to take care of pretty much all of our energy needs Underwater solar cells arenrsquot going to lead to a sudden abundance of usable solar energy but theyrsquore probably going to help us learn more about whatrsquos happening in our oceans And if the technology gets even better who knows what kinds of underwater gadgets wersquoll be able to power-- Source httpmgoodispostnavy-scientists-develop-underwater-solar-panels

TECH IT FROM MY BARBER by Benjamin Maynigo

The International CES 2013 organizers just emailed me confi rming my registra-tion and approval of my Press credentials qualifying me to wear their Press Badge

The latter allows me entry to exhibits (during exhibit hours) keynotes confer-ence programs and the pressrooms free of charge

Of course added are hidden special benefi ts that press people usually get including exposure to new products and technologies ahead of time and inter-viewing the top offi cers of the fi rms that made or invented them

This is why I never miss conferences like those of the CES the MACWORLD FOSE and the GOVTech Conferences I love to get a glimpse as well as fi rst-hand knowledge and exposure to newly in-vented products that affect peoplersquos daily lives at - home work school business neighborhood church and communities

As I have written previously I call them ldquolittle miraclesrdquo because they are things that we always thought never ex-isted but by some ldquomiraculousrdquo or amaz-

ing hand andor intellectual intervention they came into being Suddenly as a result they change peoplersquos lives

Humans and the ComputerThe relationship between the user

and his computer has been undergoing several transitions as new technologies were introduced

First you just TYPED on it Then you TOUCHED or SWIPED it Afterward you could just SAY what you want from

it Now you could even SIGNAL or ACT what you want done

Lately I discovered two new inven-tions One is the ability to ldquocontrol your computer with your eyesrdquo and the other is ldquocontrolling the robot (computer with artifi cial intelligence) with your mindrdquo

This means you could now add ldquoLOOK at it and it acts accordinglyrdquo and ldquoTHINK what you want your computer to dordquo

EYE CONTROLAs presented on Friday July 13 2012

in IOP Publishingrsquos Journal of Neu-ral Engineering there is a technology comprising of an eye-tracking device and ldquosmartrdquo software

Composed from off-the-shelf materi-

als the new device can work out exactly where a person is looking by tracking their eye movements allowing them to control a cursor on a screen just like a normal computer mouse

The press release on the new technol-ogy further states that ldquoMillions of people suffering from Multiple Sclerosis Parkinsonrsquos muscular dystrophy spinal cord injuries or amputees could soon in-teract with their computers and surround-ings using just their eyes thanks to a new device that costs less than pound40 ($6189)rdquo

MIND CONTROLI also read in the Kurzweil Newsletter

that ldquoBrain researcher Nick Ramsey of the UMC Utrecht has developed a brain-computer interface that will some day allow paralyzed people to control a computer

The system uses a 7 Tesla MRI scan-ner Subjects keep their eyes focused on a single point on a computer screen show-ing what a robotrsquos camera could ldquoseerdquo The computer learned when the subjects were thinking left right or forwards and redirected the robot

Ramsey and other colleagues have

enabled four subjects to control a robotldquoAll four study subjects were able to

control the robot very quicklyrdquo explains Ramsey ldquoThey all felt in control of the robot This means that this type of brain-computer interface is very easy to master Training is barely neededrdquo

Ramsey believes that controlling the robot through the MRI scanner will be a fi rst step for these patients If the paralyzed people manage to control the robot the investigators and doctors may propose to implant electrodes in their brains to control a computer

Now you know why I like attending these technology conferences as well as reading about these new inventions I like to acquire and share new knowledge

A former CEO of HP once said ldquoIf only HP knew what HP knows wersquod be three times more productiverdquo

If only the Philippine Government knows what the Filipino citizens techno-logically know collectively the country would certainly be a lot more productive

Humans and the Computer


Health and Wellness

Joyce Benavides Medina ODDoctor of Optometry

Clinic located inside Walmart1200 Highland AvenueNational City CA 91950

Open Monday Tuesday Thursday amp Friday 930 AM to 630 PMSaturday 900 AM to 500 PM

Most insurances accepted

Call for an appointment (619) 477-9621

Complete Eye Exams $58 additional charge for contact lens tting

Walk-Ins Are Welcome

GINGER CAN CONTROL DIABETES STUDY MELBOURNE Gin-ger a common spice in India kitchens can manage high levels of blood sugar which create complications for long-term diabetic patients a new study has claimed Research from the University of Sydney found that ginger has the power to control blood glucose by using muscle cells Ginger extracts obtained from Buderim Ginger were able to increase the uptake of glucose into muscle cells independently of insulin Professor of pharmaceutical chemistry Basil Roufogalis who led the research said in a statement--CourtesyDeccan Chronicle

Tomatoes OK a tomato is techni-cally a fruit but taste-wise its closer to a vegetable If youve ever grown tomatoes then you know that they love the heat and hate the cold Turns out even after theyre plucked from the vine they still hold their

aversion to cold The fridge is not the ideal place to store tomatoes Store them there and your perfect tomatoes turn into a mealy disap-pointment Theyll still be good for cooking but not the best for eating fresh Instead store them on your

counter (not in direct sunlight) and enjoy them when theyre ripe

Basil Tomatoes and basil go well together on your plate and it turns out they

have similar needs in the stor-age department too Like tomatoes basil loves the heat so extended periods of time in a cold environment like a refrigerator causes it to wilt prematurely Basil will do best if its stored on your counter and treated as you would fresh cut-fl owers A fresh bunch of basil can be stored for in a cup of water (change it every day or two) away from direct sunlight Cover-ing it loosely with a plastic bag will help keep it moist (but make sure the bag has an opening to allow for some fresh air to seep in)

Potatoes Potatoes like cool not cold tempera-tures They do best at around 45 degrees F which is about 10 degrees warmer than the average refrigerator Most of us dont have a root cel-lar (a cool dark place to store root vegetables like potatoes) so keeping them in a paper bag in a coolish spot (like a pantry) is best Why paper Its more breathable than plastic so potatoes wont succumb to rot as easily And why not the fridge Stor-ing potatoes at cold temperatures

converts their starch to sugar more quickly which can affect the fl avor texture and the way they cook

Onions Onions dont come out of the ground with that protective papery skin To develop and keep

that dry outer layer they need to be cured and kept in a dry environ-

ment like a pantry which is not as

damp as the refrigerator Also lack of air circu-lation will

cause on-

ions to spoil as will

storing them near pota-toes which give off moisture and gas that can cause onions to spoil quickly Store onions in a cool dry dark well-ventilated place (Light can cause the onions to become bit-ter) Scallions and chives however have a higher water content bruise more easily and have a shorter shelf life so store these alliums in the fridge

Avocados Avocados dont start to ripen until after theyre picked from the tree If youre buying a rock-

hard avocado dont store it in your refrigerator

as it slows the ripening pro-cess On the other hand

if you have a perfectly ripe avo-cado that youre not ready

to use storing it in the refrigerator may work to your advantage by pro-longing your window of opportunity to use it before it becomes overripe So the bottom line on storing avoca-dos is store hard unripe avocados on your counter and store ripe avocados in your refrigerator if youre not go-ing to eat them right away -- Link httprefreshingnews99blogspotcom2012045-fresh-foods-you-shouldnt-keep-in-yourhtml

5 Fresh Foods You Shouldnrsquot Keep in Your Refrigerator

ScienceDaily (Aug 8 2012) mdash Research has shown that older adults display more positive emotions and are quicker to regulate out of nega-tive emotional states than younger adults Given the declines in cogni-tive functioning and physical health that tend to come with age we might expect that age would be associated with worse moods not better ones

So what explains older adultsrsquo positive mood regulation

In a new article in the August issue of Current Directions in Psychologi-cal Science a journal of the Asso-ciation for Psychological Science researcher Derek Isaacowitz of Northeastern University explores positive looking as one possible ex-planation older adults may be better at regulating emotion because they tend to direct their eyes away from negative material or toward positive

Why Do Older Adults Display More Positive Emotion It Might Have to Do With What Theyrsquore Looking at

materialIsaacowitz presents evidence

indicating that compared to younger adults older adults prefer positive looking patterns and they show the most positive looking when they are in bad moods even though this is when younger adults show the most negative looking

Research conducted by Isaacowitz and colleagues indicates that there is actually a causal relationship between positive looking and mood for adults with good attentional abilities positive looking patterns can help to regulate their mood

Although older adults prefer to focus on positive stimuli the research shows that they arenrsquot necessarily missing any salient or important information -- httpwwwsciencedailycomreleas-es201208120808132715htm


1 - First Important Lesson - Clean-ing Lady During my second month of college our professor gave us a pop quiz I was a conscientious student and had breezed through the questions until I read

The last oneldquoWhat is the fi rst name of the

woman who cleans the schoolrdquoSurely this was some kind of joke

I had seen the cleaning woman sev-eral times She was tall Dark-haired and in her 50rsquos but how would I know her name

I handed in my paper leaving the last question blank Just before class ended one student asked if the last question would count toward our quiz grade

ldquoAbsolutelyrdquo said the professor ldquoIn your careers you will meet many people All are signifi cant They deserve your attention and care even if all you do is smile and say ldquohello rdquo

Irsquove never forgotten that lesson I also learned her name was Doro-thy

2 - Second Important Lesson - Pickup in the Rain

One night at 1130 pm an older African-American Woman was standing on the side of an Alabama highway trying to endure a lashing rain storm Her car had broken down and she desperately needed a ride

Soaking wet she decided to fl ag down the next car

A young white man stopped to help her generally unheard of in those confl ict-fi lled 1960rsquos The man took her to safety helped her get as-sistance and put her into a taxicab

She seemed to be in a big hurry but wrote down his address and thanked him Seven days went by and a knock came on the manrsquos door To his surprise a giant console color TV was delivered to his home A special note was attached

It readldquoThank you so much for assist-

ing me on the highway the other night The rain drenched not only my clothes but also my spirits Then you came along

Because of you I was able to make it to my dying husbandrsquosrsquo bedside just before he passed away God Bless you for helping me and unselfi shly serving othersrdquo

Sincerely Mrs Nat King Cole 3 - Third Important Lesson - Al-

ways remember those who serve In the days when an ice cream

sundae cost much less a 10-year-old boy entered a hotel coffee shop and

sat at a table A waitress put a glass of water in front of him

ldquoHow much is an ice cream sun-daerdquo he asked

ldquoFifty centsrdquo replied the waitressThe little boy pulled his hand out

of his pocket and studied the coins in it

ldquoWell how much is a plain dish of ice creamrdquo he inquired

By now more people were wait-ing for a table and the waitress was growing impatient

ldquoThirty-fi ve centsrdquo she brusquely replied

The little boy again counted his coins ldquoIrsquoll have the plain ice creamrdquo he said

The waitress brought the ice

Life Lessons

cream put the bill on the table and walked away The boy fi nished the ice cream paid the cashier and left When the waitress came back she began to cry as she wiped down the table There placed neatly beside the empty dish were two nickels and fi ve pennies

You see he couldnrsquot have the sun-dae because he had to have enough left to leave her a tip

4 - Fourth Important Lesson - The Obstacle in Our Path

In ancient times a King had a boulder placed on a roadway Then he hid himself and watched to see if anyone would remove the huge rock Some of the Kingrsquos wealthiest merchants and courtiers came by and simply walked around it Many loudly blamed the King for not keeping the roads clear but none did

anything about getting the stone out of the way

Then a peasant came along car-rying a load of vegetables Upon approaching the boulder the

peasant laid down his burden and tried to move the stone to the side of the road After much pushing and straining he fi nally succeeded Af-ter the peasant picked up his load of vegetables he noticed a purse lying in the road where the boul-der had been The purse contained many gold coins and a note from the King indicating that the gold was for the person who removed the boulder from the roadway The peas-ant learned what many of us never understand

Every obstacle presents an oppor-tunity to improve our condition

5 - Fifth Important Lesson - Giv-ing When it Counts

Many years ago when I worked as a volunteer at a hospital I got to know a little girl named Liz who was suffering from a rare amp serious disease Her only chance of recovery appeared to be a blood transfusion from her 5-year old brother who had miraculously survived the same dis-ease and had developed the antibod-ies needed to combat the illness The doctor explained the situation to her

little brother and asked the little boy if he would be willing to give his blood to his sister

I saw him hesitate for only a mo-ment before taking a deep breath and saying ldquoYes Irsquoll do it if it will save herrdquo As the transfusion progressed he lay in bed next to his sister and smiled as we all did seeing

the color returning to her cheek Then his face grew pale and his smile faded

He looked up at the doctor and asked with a trembling voice ldquoWill I start to die right awayrdquo

Being young the little boy had misunderstood the doctor he thought he was going to have to give his sister all of his blood in order to save her Now you have choices

1 Delete this email or 2 Forward it other people I hope that you will choose No 2 -

and remember ldquoLive with no regrets - Treat

people the way you want to be treated Work like you donrsquot need the moneyLove like yoursquove never been hurt and Dance like you do when no-bodyrsquos watchingrdquo NOW more than ever ndash Please Pass It On

You never know how or when yoursquoll be paid

Food for ThoughtRead previous articles by visiting our website at wwwasian-

journalusacom


Reach the lucrative Asian Pacifi c Islander Market by advertising

in the Asian Journal Call (619) 474-0588

Showbiz Watcher(Continued from page 13)

Featured Book God of the Oppressed

Read Rudy Liporadarsquos previous articles by visiting our web-site at wwwasianjournalusacom

by Rudy D Liporada

namin siya nakausapat fi rst time rin namin makapanood ng isang show sa naturang venuePerfect ang nasabing venuesana ma-invite pa kaming muli

JULIUS OBREGON WALANG KUPAS PA RIN SA PAGKANTA First time namin nakita in person ang dating singer na si Julius Obre-gon pastor na pala siya ngayon at trainor ng Megaworld InternationalKasabayan niya noon sina Darius Razon Rhodora Silva at Victor Wood

Active pa rin siya sa kanyang mga singing engagement o sa isang show kumakanta pa rin siya hanggang ngayon kaya lang dito na lang sa Amerika sa ibat-ibang Filipino AffairPinadinig nga niya sa amin ang kanyang mga latest na songs via youtube pati ang theme song ng Megaworld InternationalWala pa rin kupas ang boses niya

Kahit sa aming facebook page nang i-post namin ang picture niya marami ang nagpatotoo na naging fans sila ng naturang singer at mag-ing ilang kapatid namin sa panulat ay natuwa nang makita ang picture niya

Maituturing namin siyang Isang Icon sa Music Industry na kailan-

man hindi na makakalimutan dahil sa kanyang mga kontribusyonKaya kung kailangan nyo siya sa isang show ok pa rin siya at kami na ang tutulong sa inyo para ma-locate siya

Mabuti na lang at na-invite kami nina Katrina Gaffud Benfer at Merlita Mallinckropt na birthday celebrant at that time at least nakita namin in person si Mr Julius Obre-gon sa Poway California

PRAY FOR THE PHILIPPINESNalulungkot kami sa nangyari sa Metro Manila at ilang karatig lugar nito dahil isang disaster ang nang-yari itong linggo itoWalang humpay na ulan na pinagsimulan ng pagbaha at yung iba pa lagpas bubong na o aabutan ang second fl oor nilaGanon katindi ang naging baha sa Metro Manila may landslide pa nga

Tutok talaga kami sa internet para malaman namin kung anu na ba ang nangyayari sa bansa nating PilipinasSabi pa nga nung isang ka-facebook namin butas na ba ang langit at ayaw tumigil ang pag-ulan nitoHabang sinusulat namin itopatuloy pa rin ang pag-ulan

Habagat lang ito pero mukhang mas malakas pa ito kaysa sa Ondoy Typhoon sabi ng ibang nakausap naminSana tumigil napls Pray for our kababayan in the PhilippinesHindi pa natin alam kung ganon ka-laki ang perwisyo na ginawa nitong habagatPray for the Philippines

God of the OppressedBy Rudy D Liporada

Available at Amazoncom(In the last chapter PMA cadet

Julius Madrigal buys a bible as New Yearrsquos gift for a friend)

Chapter 7 - Carlo Paterno Carlo entered his room from his bath He donned on a t-shirt from his strewn clothes which he would have to pack the following day Over the shirt he pulled over a lengthwise striped sweater which made him appear taller than his fi ve foot and a half frame He then went to the mirror and combed his still damp straight hair parting it on its left side He smiled checking his well set teeth He felt clean Cleanliness is next to Godliness Monday after the New Year he would be back to nearer Godliness His two weeks vacation would be over He would be back to where he would like to dedicate himself to be really next to Godliness

Again he would be back where ev-eryday the brrriinnnggg brrrriiiinng-gg brrriinnnnggg wake up bell that permeates throughout the seminary walls would swirl into his eardrums and into his innermost soul jolting him to slide off the bed and be on his knees when sunrays slice through the windows of where he had confi ned himself to be nearer to Godliness Still in the throes of being awake his right hand fl ies to his forehead chest left shoulder right shoulder Amen Hail Mary full of gracehelliphe falls back into the abyss of nothingness but a second alarm ndash briiinnggg briiinggg briiing-ggg would bring back the swirl into his eardrums permeating into his soul jolting him back to the reality that he is already on his knees Hail Mary full of gracehelliphas he said three already He would goad himself and fi ght against falling back into the abyss of nothing-ness for the umpteenth time Has he said three Hail Maries already He decides that since he had lost count he would complete three Hail Maries even if he already went over the count He would add an Our Father and a Glory Be

He gets up and staggers towards the exit of the dormitory towards the wash basins He passes other seminar-ians still in various pose of waking up on their knees or staggering out like himself The silkiness or faded-ness of their pajamas distinguishes who among them come from richer or poorer families After freshening

up he dons his white shirt and pants and black necktie He then marches out to join the other seminarians lining up in front of the chapel They appear like equal angels without wings Only tie clips shoes belts or brands of watches distinguish who among them come from richer or poorer families Equally mandated each one clasps his hands palms together on his chest They proceed to their assigned pews while cherubim like hymns fi ll the air

And the rite beginsDominus Vobis-cumhellipEt cum spiritu tuohellipOra pro nobis kneelhellipsithellipstandhellipsit againhellipmostly kneel - all in sanctity to com-mune with the Spirit and the saintsBy the offertory sanctity could be broken as Carlorsquos stomach as well as othersrsquo would growl pleading that the fangs of hunger be quelled But they have to wait though now fi nd it hard to be in communion with the Spirit and the saintsFinally it would be lsquoGo in peace the mass is endedrsquoIn seeking peace for their hunger they still have to be saint-ly tip-toe out of the chapel Their shoes then would scrape on the hallways in they dash to the dormitories in the rush to change into their school clothesNow their over-all clothing demeanors ndash shirts pants sweaters socks shoes ndash starkly distinguish who among them come from richer or poorer families Nonetheless richer or poorer they remained equal in the need to quell the fangs of hunger as they rush to the rec-tory hallA sunny side two sausages fried rice from leftovers the night be-fore crowd on each of the eight plates on each of the ten tables at the rectory The coffee would be soggy but would still be a welcome brew to enliven our breakfast which is equal for all The food they are about to receive from His bounty made them all equal except that there are also apples and juice and non soggy coffee at the head table where the Flemish rector Flemish assistant rector and Flemish principal areTheir stomachs would now really be howling gurgling clamoring for whatever they have to partake on but they all had to equally wait for the last seminarian to enter the dining hall half embarrassed half reverent The rector frowning for the delay would glare at the late comer before his right hand would fl y to his forehead chest left shoulder right shoulder Amen Bless us Oh Lord in these thy gifts which we are about to receive from thy bounty through Christ our Lord Amen In the name of the Father and

of the Son and of the Holy Spirit AmenThe last vestiges of reverence would now be broken as the terres-trial need to fortify onersquos body takes precedence over the needs of the soul Chairs screech as the seminarians slide unto them Spoons and forks bang to scrape on eggs sausages and rice as they slide from the plates into munch-ing mouths to mediate the growling gurgling stomachs After a while Carlo would be satisfi ed with the egg two sausages fried rice and soggy coffee He would then have more time to often wonder why those Flemish priests also have apples juice and non soggy coffee while the seminarians do not Often he dismisses the thought to just because they are already priests priests who are white because they have a different culture Nonetheless he often asks himself didnrsquot Jesus Christ share the same enliven bread and fi sh with his apostles

Often he would also feel guilty that having such kind of thoughts about inequality with the priests could be sacrilegious and wonders if he had to go to the confessional for that

Such thoughts however would vanish as he immerses himself with the day of classes ndash geometry Latin physics basketball volleyball lunch more studies ping-pong rosary and the long litanies and night prayersThe thoughts of inequality however would invade his mind again the following day right after the brri-innggg brrriinggg brriingggg and the regimen beginsAnd the regimen he would be going back to made the short Christmas holiday break really shorter Nonetheless he had dedicated himself to the vocation and glad that no one or nothing during the vacation made him feel that it was really short He had again passed the test of being out of the seminary walls with still the resolve that he would be going back for Godlinessrsquos sake Vacations are not only respites from the sanctifi ed isolationrsquos regimen They are tests to how one would not succumb to the calls of the human fl esh in the outside world Should one not be able to resist temptations it would be better for one to fall away from the calling earlier than later after one is fully vested when the faithful would be subject to disillusionment

Nonetheless tonight Carlo would indulge in a simple call of the fl esh He was ready for the dinner prepared by his mother one much better than the feasts of the priests (Next chapter Noel Altamonte arrives with Lina to join his friends for New Yearrsquos Eve dinner)

Chapter 7 Carlos Paterno

Instructor Thao Ha SOC 101 is accepted for credit at

Cal State University and the Univer-sity of California and fulfi lls a Gen-eral Education requirement ENGL 50 earns associate degree credit

Students must enroll in both courses

For more information contact Te-resa Guinon at tguinonmiracostaedu or call 760757-2121 x6521

Mira Costa(Continued from page 10)



Todayrsquos Lifestyle

50 O Consultation fee until April 15 2012 and 20 O Income Tax Preparation on each paid consultation

QUALIFIERS The contest is open to Southern California DeCA patrons at least 18 years of age Open to amateur cooks who are self-taughthome cooks and foodies who have passion for food They should be able to have access to the Commissaries

PRIZES ROUND 1 RECIPE CONTEST (Deadline Sept 3 2012) - 4 Semi Finalist to Participate in a Cook Off at SD Commissary $50 Cash 1 set ea of Mama Sitas Kitchen Care Package (Cook Book Apron Mitts Ref Magnets Mama Sitas Products)

ROUND 2 COOK OFF (SD Commissary on Sept 29 2012) Grand Prize Winner $ 300 Cash amp $ 200 DeCA Gift Card (Total $500 worth of Prizes) 1 Runner-up $ 200 Cash amp $ 100 DeCA Gift Card (Total $300 worth of Prizes)

RULES1 Each contestant will submit one Main Dish Recipe using a Mama Sitas MixMarinade amp a Protein (Fish Pork Beef Chickenor Soy Protein) Recipe must be original It should be good for 4 servings All ingredients to be used in recipe must be available at the Commissary 2 All entries must be received by Coleson Foods Inc no later than Sept 3 2012 at 915 South 8th St Colorado SpringsCO 80905 or via email at MSitaCookscolesonfoodscom Recipe entries must include name address telephone email address (if any) 3 4 Semi-Final winners will be notified by telephoneemail amp will be given further instructions as to time amp place to meet forthe Cook-off Semi Final prizes will be awarded prior to the Cook Off All Semi-Finalist will be responsible for their transportationhotel expenses if any to participate in the Cook-off at San Diego Commissary 4 All 4 Semi-Finalists will have to join a Cook-off at the San Diego Commissary on Sept 29 2012 If unable to attendmust send a representative5All 4 Semi-Finalist will be given 1 hour to prepare cook amp plate their winning recipes in front of 3 Panel of Judges 6 Each of the 4 Semi-Finalist will be provided only the following during the Cook-Off Work table Electric Skillet Mama Sitas product needed for the dish Groceries needed for their dish (must be available at the Commissary) Cutting Board Paper Towels ApronsMitts7 The Semi-Finalist will need to provide their own a Kitchen Utensils Prep BowlsPlates b 3 serving plates for the final judging 8 Judging Criteria ROUND 1 Recipe Contest ROUND 2 Cook-off Overall Taste amp Flavor (40) Overall Taste amp Flavor (50) Creative Use of Mama Sitas Product (20) Creative Use of Mama Sitas Product (30) Clarity of Recipe Instructions (40) Visual Appeal (20)9 Winners will be required to sign a document absolving Mama Sitarsquos amp Coleson Foods of any copyright infringementsfor use of the winning recipes and photos for promotional ampor marketing purposes All Winning Recipes can be used forpromotional purposes by Mama Sita amp Coleson Foods Inc in perpetuity for no additional compensation Winning recipesamp photos will be published at wwwcolesonfoodscom and will be released to the Media For a copy of the Rules see Customer Service or email us at MSitaCookscolesonfoodscom

Enter for a chance to win CASH Prizes

Celebratethe Flavorsof the Philippines

In cooperation with

ABS-CBN News | MANILA Phil-ippines 862012 - Too often people believe that buying the latest smart-phone or designer bags will boost their self-worth but more often that not it just leads to debt

ldquoMoney is just money Itrsquos impor-tant but for you to fi nd your worth in money thatrsquos sadrdquo Randell Tiong-son a registered fi nancial planner told Edric Mendoza host of ANCrsquos On the Money To prevent one from equating money with self-worth Tiongson said one should fi nd a ldquopurpose in liferdquo which would give motivation to spend money in the right way

ldquoYou have to determine what you want in life Do you want a com-fortable simpler life or do you want more Do you want to see yourself in debt You have to make a choicerdquo he said

He attributed the ldquospending cul-turerdquo in the Philippines to a ldquopoverty mindsetrdquo and sense of entitlement

ldquoI think we feel that whatever money we have wonrsquot last so we might as well enjoy it Itrsquos a poverty mindset issue Therersquos also the feel-ing of entitlement I should enjoy my money my bonus nowrdquo he said

ldquoTherersquos a saying lsquoaanhin pa ang

damo pag patay na kabayorsquo (What good is the grass when the horse is dead) People have that thinking in their fi scal managementrdquo

But instead of spending money with abandon Tiongson said one should ask the question Do you want to enjoy your money now or in the future The answer to that ques-tion defi nes the behavior of those who have money and those who donrsquot have money

ldquoThe concept of delayed gratifi ca-tion is foreign to us The thing that bugs me the most is that most canrsquot see long-term Less than 1 out of 10 Filipinos prepare for retirement Thatrsquos crazy Studies will show you that people donrsquot invest or save We have lowest insurance rates There are only 500000 accounts in the stock market out of 90 million Fili-pinos And only 130000 are activerdquo Tiongson said

Filipino parents should start teaching their children the right way to spend money and set a good example

ldquoMoney should be discussed in the family Parents should manage their money properly Children see what their parents do and get into the same problemsrdquo Tiongson said

How to stop equating money with self-worth By Carolyn L Bird PhD USDA

eXtensionrsquos Financial Security for All Community of Practice Leader-ship Team Member

What is SNAPSNAP is the short name for the

Supplemental Nutrition Assistance Program (SNAP) operated by the United States Department of Agri-culture (USDA) The SNAP program has the twin goals of improving health by combating hunger and increasing nutrition knowledge for better food choices

Am I eligibleSNAP eligibility guidelines

have been expanded The income thresholds have been increased and now more people will qualify for benefi ts

The guidelines concerning what you can own have changed too You can own your home a plot of land and a vehicle and still qualify And most retirement pensions are not counted when determining eligibil-ity

Some states have guidelines that allow assets above the federal mini-mum guidelines You can use the SNAP Pre-screening tool to deter-mine if you may be eligible

How Much Will I ReceiveThe amount of SNAP benefi ts you

receive will be determined by your

statersquos local administering organiza-tion such as the Department of So-cial Services Your specifi c informa-tion such as the number of people in your family your income and other factors will be used to determine benefi t amount

You might be surprised to see how much difference even a minimal benefi t amount can make in your familyrsquos ability to eat healthy The MoreFoodorg websitersquos ldquoSweet $16rdquo offers a variety of fun and smart ways to maximize SNAP benefi ts And remember each menu or recipe represents one month only and SNAP benefi ts are received each month

Why Should I ApplyWhile the average benefi t amount

will vary from state to state SNAP benefi ts can make a real difference in your efforts to have a healthy diet for you and your family But the main reason that people should apply is because SNAP can be an important resource in helping you and your family to have enough food to eat SNAP benefi ts

are on-going long-term assistance rather than emergency or day-to-day assistance This means you can plan meals in advance

allow you to purchase and con-

sume the foods that you prefer to eat rather than whatrsquos being served at a meal site or whatrsquos in stock at the food pantry

give you the fl exibility to shop at any store that accepts these benefi ts rather than being limited to a nearby pantry

can be used at many farmersrsquo mar-kets to buy fresh produce for your family and to support your local farmers

assist you in meeting your other household expenses By spending SNAP benefi ts on groceries you can shift your budgeted grocery dollars to other uses

generate economic activity in your community every $5 in SNAP benefi ts generates $920 in commu-nity spending And SNAP spending generates farm jobs

allow agencies that provide emergency food services to focus their efforts on helping people without any other ways to obtain food By using SNAP benefi ts you help yourself and in turn help these agencies maintain their capacity to help others ndash especially during these tough economic times when need is so high and agency funding and resources are so limited

How Do I Apply

To apply for benefi ts contact your local SNAP or Department of Social Services offi ce Or you can use USDArsquos national map to fi nd the SNAP offi ce for your county

For some states you can apply on-line Donrsquot worry if you arenrsquot able to go to the SNAP offi ce You may be able to download an application from your state agencyrsquos website to mail in or you may be able to call your agency to request that an ap-plication be mailed to you In some states you can request to have a telephone interview with the SNAP representative

How Long Does It Take For Benefi ts to Start

Ask your local SNAP offi ce about their standard processing time In some states your SNAP application will be processed within 30 days or if itrsquos an emergency within 7 days Your local SNAP offi ce can give you the most current information about regular and emergency application processing times

To learn about other free resources to help you no matter what your fi nancial situation sign up for our e-mail list or visit our page at httpwwwusagovcitizentopicsfamilyhelp-for-diffi cult-fi nancial-timesshtml

Help Feed Your Family Through the SNAP Program

If yoursquore 62 or older ndash and looking for money to fi nance a home improve-ment pay off your current mortgage supplement your retirement income or pay for healthcare expenses ndash you may be considering a reverse mortgage Itrsquos a product that allows you to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills

The Federal Trade Commission (FTC) the nationrsquos consumer protec-tion agency wants you to understand how reverse mortgages work the types of reverse mortgages available and how to get the best deal

In a ldquoregularrdquo mortgage you make monthly payments to the lender In a ldquoreverserdquo mortgage you receive money

from the lender and generally donrsquot have to pay it back for as long as you live in your home The loan is repaid when you die sell your home or when your home is no longer your primary residence The proceeds of a reverse mortgage generally are tax-free and many reverse mortgages have no income restrictions

Types of Reverse MortgagesThere are three types of reverse

mortgagessingle-purpose reverse mortgages

offered by some state and local govern-ment agencies and nonprofi t organiza-tions

federally-insured reverse mortgages known as Home Equity Conversion Mortgages (HECMs) and backed by

Reverse Mortgages Get the Facts Before Cashing in on Your Homersquos Equitythe U S Department of Housing and Urban Development (HUD)

proprietary reverse mortgages private loans that are backed by the companies that develop them

Single-purpose reverse mortgages are the least expensive option They are not available everywhere and can be used for only one purpose which is speci-fi ed by the government or nonprofi t lender For example the lender might say the loan may be used only to pay for home repairs improvements or property taxes Most homeowners with low or moderate income can qualify for these loans

HECMs and proprietary reverse mortgages may be more expensive than traditional home loans and the upfront

costs can be high Thatrsquos important to consider especially if you plan to stay in your home for just a short time or borrow a small amount HECM loans are widely available have no income or medical requirements and can be used for any purpose

Before applying for a HECM you must meet with a counselor from an in-dependent government-approved hous-ing counseling agency Some lenders offering proprietary reverse mortgages also require counseling The coun-selor is required to explain the loanrsquos costs and fi nancial implications and possible alternatives to a HECM like government and nonprofi t programs or a single-purpose or proprietary reverse mortgage The counselor also should

be able to help you compare the costs of different types of reverse mortgages and tell you how different payment options fees and other costs affect the total cost of the loan over time To fi nd a counselor visit wwwhudgovoffi ceshsgsfhhecmhecmlistcfm or call 1-800-569-4287 Most counseling agencies charge around $125 for their services The fee can be paid from the loan proceeds but you cannot be turned away if you canrsquot afford the fee

How much you can borrow with a HECM or proprietary reverse mortgage depends on several factors including your age the type of reverse mortgage you select the appraised value of your home and current interest rates In general the older you are the more

equity you have in your home and the less you owe on it the more money you can get

The HECM lets you choose among several payment options You can select

a ldquotermrdquo option ndash fi xed monthly cash advances for a specifi c time

a ldquotenurerdquo option ndash fi xed monthly cash advances for as long as you live in your home

a line of credit that lets you draw down the loan proceeds at any time in amounts you choose until you have used up the line of credit

a combination of monthly payments


LAW OFFICES OF

EB ALEJOldquo20+ Years ExperiencerdquoBeen living in San Diego since 1977

Attorney is available daily on regular business days at the San Diego Offi ce

Member California State BarLicensed to practice before the US Federal District CourtSouthern California and California Supreme Court

AuthorrdquoHow to Apply for the US Tourist Visardquo as listed by worldwide bookseller Amazoncom Bookstores

Former San Diego Regional Coordinator for US Immi-gration Amnesty for Catholic Community Services Catholic Diocese of San Diego

Legal Advisor Los Chabacanos of Cavite CityAssociation Inc San Diego California

Juris Doctor law degree University of San Diego (1985)Diploma Oxford Institute on International and Comparative Law (USD) Oxford England (1984)Bachelor Degree University of Southern California (1983)Montgomery High School San Diego (1979)

Born in the Philippines (Cavite)

For your convenience walk-ins acceptedespecially between 200pm ndash 800pm

Business days Monday to FridayIMMIGRATION LAW bull DIVORCE bull WILLS amp TRUSTS bull CRIMINAL DEFENSE bull BUSINESS

LAW bull CREDITDEBT DISPUTES and PROBLEMS bull WAGE amp HOUR VIOLATIONS bull UNEMPLOYMENT APPEALS bull WORK CONTRACTS bull LANDLORD ndash TENANT DISPUTES bull

BANKRUPTCY ASSISTANCE bull FORECLOSURES bull TAX PREPARATION

FAIR PRICESCOURTEOUS AND FRIENDLY SERVICE

We can accept the following on a Contingency Basis (CASE BY CASE BASIS)

AUTO ACCIDENT or PERSONAL INJURY bull WRONGFUL TERMINATION bull SEXUAL HARASSMENTHOSTILE WORK PLACE

bull WORK DISCRIMINATION (Racial Age Gender Disability)

240 Woodlawn Avenue Suite 11 Chula Vista CA 91910Convenient location and plenty of free parking

Near Chula Vista trolley station Nagsasalita kami ng Tagalog

For free consultation call (619) 203-5782

We can help you stop worrying about your legal problems

Also FeaturingDebt Negotiation

Bankruptcy AssistanceLoan Consolidation

Laughing MatterRead previous articles by visiting our website at wwwasian-

journalusacom

Street Poetry

Read about Michaelrsquos upcoming book of poems ldquoCrushed Violetsrdquo by visiting our website at wwwasianjournalusacom

by Michael R Tagudin

MAPUA(Continued from page 1)

copy2012 Michael R Tagudin All rights reserved About the Author Michael R Tagudin Educated as an engineer in the Philippines the City of Los Angeles employee hopes his legacy of poems will provoke a dialogue about the human condition He is donating the proceeds from the book ldquoCrushed Violetsrdquo to the ldquoCoalition to Abolish Slavery amp Traffi cking (CAST)rdquo a non-profi t that provides public awareness and advocacy efforts against human traffi cking in the City of Angels To learn more visit wwwcastlaorg To help call the CAST 24 hour hotline 888KEY2FRE(EDOM) or 8885392373 Contact asianjournal3aolcom for more information about ordering the book ldquoCrushed Violetsrdquo

ROOM FOR RENT Quiet Neighborhood

in National City No smoking No drugs 6197463416

able compared to the rate of education in Americardquo said Mapuarsquos recruit-er Mary Jane Casumbal

With tuition fees in US colleges on the rise Mapua offi cials said send-ing students to the Philippines may be a cost-effective solution for families with college-age children

With most of its programs costing an average of $3000 a year Mapuarsquos tuition is a bargain compared to public and private col-leges in the States

The cost of studying at Mapua for four years is roughly equivalent to one yearrsquos tuition at a private or non-profi t university in the US

What sets Mapua apart from other Philippine universities - and what allows them to recruit Fil-Ams is now the school is accredited by the non-governmental organization Ac-creditation Board for Engineering and Technology Inc (ABET)

ABET is recognized as the world-wide leader in assuring quality and stimulating innovation in applied science computing engineering and engineering technology educa-tion

ldquoWith Mapua programs accred-ited with the US ABET then that means those ten programs are at par and equivalent in standards with programs offered in the US particu-larly in engineering and computingrdquo Casumbal said

ldquoWe want our students and gradu-ates to be more competitive not just locally in the Philippines or the US but all over the world and this is the standard and legacy we continue to give to our past and recent gradu-atesrdquo she added

This is the fi rst time Mapua of-fi cials have actively tried to recruit Filipinos in the States

Though the school is in the Philip-pines it doesnrsquot mean admission is easy

Mapuacutea responds to the challenge of global-ization for the Philippine education sector with 10 ABET-accredited programs Following the ac-creditation of its BS Computer Engineering BS Electrical Engineering and BS Electronics Engi-neering programs in 2010 ABET recently granted accreditation to Mapuacutearsquos fi ve other engineering and two computing programs BS Chemical Engineer-ing BS Civil Engineering BS Environmental and Sanitary Engineering BS Industrial Engineering BS Mechanical Engineering BS Computer Sci-ence and BS Information Technology

International students will be held to the same strict requirements as others applying to the school

That means students should have at least a 32 GPA and 1600 in the new SAT or pass Mapuarsquos entrance

A Letter About the ldquoSave Our Industries Actrdquo from Philippine Ambassador Cuisa23 July 2012

Dear Kababayan

The Save our Industries Act (SAVE Act) is now better known in Washington DC and has been brought to the attention of leadership in both houses of the US Congress It is on the radar screen of those who will assemble the 2012 trade pack-age which Congress will most likely address between now and the end of this year

With the possibility that a trade package will be voted on during a lame duck session of Congress (after the November elections) now is the crucial time to boost our campaign for the SAVE Act If passed by the US Congress this job creating innovative piece of legislation will invigorate trade between the Philip-pine apparel industry and the US textile industry

Built on strong and historical ties the SAVE Act would represent the fi rst signifi cant Philippine-US bilateral trade enhancement and cooperation initiative since 1974 It is a win-win legislation worthy of the support of the Filipino-American community that want to come to the aid of both its native and adoptive countriesThe importance of the Fil-Am community voice cannot be overstated

Many Congressional members will support the SAVE Act out of a con-fi dence in the economic opportuni-ties the bill offers and its role in the Philippines- US relations Especially now Members are more likely to be more active on a piece of legislation (through co-sponsoring or vocally supporting the bill in conversations and hearings) if they are being asked to do so by their constituents

The Fil-Am community is at the core of what would be a break-through in renewed trade partnership between their two countries As the end game is imminent Filipino-Americans need to demonstrate their advocacy toward SAVE Act

You could send you petition let-ters to your Senators and Congress-men through httplyrisglobescopecomt13820057218874668690 or take the opportunity to person-ally meet your legislators especially when Congress is on recess from August 6 to September 7 when they will be in your respective districts

Kailangan po nating magka-isa upang lubos na maitaguyod ang SAVE Act para sa mas mayabong na kalakalan at mas makabuluhang ugnayan sa pagitan ng Pilipinas at Amerika

Sincerely yoursSumasainyo

(Sgd) JOSE L CUISIA JRAmbassador

exam

Four brothers left home for col-lege and they became successful doctors and lawyers

One evening they chat-ted after

hav-ing dinner together They dis-cussed the Christmas Gifts they

were able to give their elderly mother who moved to Florida

The fi rst saidYou know I had a big house built for Mama The sec-ond said And I had a large theater built in the house The third said And I had my Mercedes dealer deliver an SL600 to her

The fourth said You know how Mama loved reading the Bible and you know she cant read

Anymore because she cant see very well I met this preacher who told me about a parrot that can recite the entire Bible It took ten preachers almost 8 years to teach him

I had to pledge to contribute $50000 a year for fi ve years to the church but it was worth it Mama only has to name the chapter and verse and the parrot will recite it

The other brothers were impressed After the holidays Mom sent out

her Thank You notes

She wrote ldquoMilton the house you built is so huge that I live in only one room but I have to clean the whole house Thanks anyway

Marvin I am too old to travel I stay homeI have my grocer-

ies delivered so never use the Mercedes The

thought was good Thanks

Mi-chael

you

gave me an expensive theater with Dolby sound and it can hold 50 people but all of my friends are dead Ive lost my hearing and Im nearly blind Ill never use it Thank you for the gesture just the same

Dearest Melvin

You were the only son to have the good sense to give a little thought to your gift

The chicken was delicious

Thank you so much Love Mama

MAMAS BIBLE

Poem No 6

In the name of dead presidents

In blood sweat and tears

On bed of dollar bills

How many times have we made love

Xu Jie your name

A cross the sky I will write

In calligraphy

In Sanskrit

In cryptic celtic

Across heavenrsquos face

I will tag your name

Xu Jie


By Kristine L Alave Leila B Sala-verria Norman Bordadora Philippine Daily Inquirer | August 1 2012 -- The name of the game is numbers and the bishops are confi dent they have it wrapped upThe Catholic Bishopsrsquo Con-ference of the Philippines (CBCP) said the reproductive health (RH) bill will not pass the House of Representatives when it takes a vote on the measure on August 7CBCP president Jose Palma on Tuesday said the bishops expected victory in their fi ght against the RH bill counting 140 congressmen oppos-ing the measure and only 49 favoring itAntipolo Bishop Gabriel Reyes said the CBCP leadership recently asked its members to talk to their district representatives about their position on the bill which seeks universal reproduc-tive health care in the PhilippinesThe results of the survey and discussions in the countryrsquos 85 dioceses showed that lawmakers were against the bill Reyes said Of the 85 dioceses ldquo77 answeredrdquo Reyes said ldquoIn these 77 dioceses there are 215 congressmenrdquoldquoOf the 215 congressmen surveyed by the bishops themselves only 49 will vote yes to the RH bill 140 will vote no to the RH bill and 26 are undecided We are happy about that and we hope that they will not change their mindsrdquo he addedThere are 285 district and party-list representatives in the House For a bill to be passed it needs a majority vote from the lawmak-ersOn Monday Minority Leader Danilo

Suarez said eight lawmakers who are coauthors of the bill would withdraw their support for the measure Suarez declined to identify the legislatorsThe House leadership has organized a ldquotext brigaderdquo to get its membership to show up for the vote that will decide once and for all whether or not to terminate the debates on the bill Should the discussions be concluded the House would move to amendments and then to another vote on whether to pass the measure on second reading

Quorum criticalldquoThis is not yet an approval mind

yourdquo said Speaker Feliciano BelmonteldquoThis is a step forward It will give us

at least the time to consider the bill up to the third readingrdquo he told reportersHe said enough members would show up on August 7 so that there would be a quorumIf there is no quorum this would mean that the bill has no support said Majority Leader Neptali Gonza-les IISenior Deputy Majority Leader Janette Garin shrugged off the bishopsrsquo claim the bill would be rejected

Garin said it was diffi cult to speak of exact numbers until an actual vote is made so it would be better to wait for that

ldquoWe are still confi dent [of getting the vote]rdquo she saidAbout a dozen mem-bers of the Interfaith Partnership for the Promotion of Responsible Parenthood have expressed support for the bill The group is spearheaded by the Iglesia ni Cristo ldquoWe are ready to support the bills on reproductive health as long as there would be no immoral elements in themrdquo said Iglesia executive minister Eduardo Manalo in an Oct 12 2010 letter to Congress

ldquoThere is no dissonance between Ca-tholicism and the belief that reproduc-tive health should be a rightrdquo Bicbic Chua director of Catholics for RH said in March

More support for ChurchPalma who is the archbishop of Cebu

said the CBCP hoped that more and more lawmakers would oppose the billThe CBCP is hoping that the undecided lawmakers will be swayed to go against the bill before the August 7 vote on the proposal The CBCP is launching a Mass prayer rally at the Edsa shrine on Saturday It also plans to hold a vigil at the House on the eve of the vote

The RH bill seeks to provide couples information on various family plan-ning approaches including modern contraception methods that the Church opposes The bill also seeks to mandate wider reproductive health education in schools and government health centers According to its supporters the bill does not support or allow abortion nor does it promote promiscuity

The health department is one of the advocates of the RH bill It noted that the bill would reduce maternal and child deaths in the Philippines

No movement in SenateSenator Pia Cayetano on Tuesday

expressed frustration over what she called the Senate leadershiprsquos attempt to prevent the passage of the population management measure despite the prior-ity given to it by the Aquino administra-tion

Failure of the bill to move in the Sen-ate would doom the House initiative

ldquoItrsquos sad that in the Senate we can take a stand on issues like impeachment and have political will But just because the two highest offi cials in the Senate are against it should they use their posi-tion to prevent the measurerdquo Cayetano told reporters

ldquoShouldnrsquot they detach themselves from their personal views and their function In other words allow [the bill] to take its courserdquo she added referring to Senate President Juan Ponce Enrile and Majority Leader Vicente Sotto III

Cayetano said she could endure end-less questioning on the measure but said that those questions that had been answered should no longer be asked

MarathonerldquoIrsquom a marathoner Irsquom a triathlete

Irsquom an endurance athlete and Irsquove

Showdown on RH bill upCBCP 140 congressmen back Church stand

and cultureThe cultural show revolving

around the theme ldquoIslands of Diver-sity Seas of Connectivityrdquo featured the Ballet Philippines University of Cebu Dance Company singers Kyla and Gian Magdangal and Down to Mars

The Department of Tourismrsquos catchy ldquoItrsquos More Fun in the Philip-pinesrdquo ad frequently fl ashed on a 218-meter-long 30-meter-wide LED screen mounted on the ceiling of the central corridor

Tourism Secretary Ramon Jimenez Jr said the expo was very ldquouseful and relevantrdquo to the Philippines whose bountiful marine resources are vulnerable to abuse and pollu-tion

ldquoIt is all about the ocean and the common interest in the preservation of natural resources and its sustain-abilityrdquo Jimenez said in an interview after the opening ceremony of the Philippine National Day

ldquoThe Philippines both a touristic destination and an economic power draws a lot from the oceansrdquo Jime-nez said ldquoThis is very important for us This is not something we can stay away fromrdquo

In his speech Jimenez said the Philippinesrsquo rich marine and coastal resources provided tourism oppor-tunities as well as livelihood and income for many communities

Its seas connect the Philippines to the world he said ldquo[f]or oceans do not separate but connect people as the seas surrounding us demonstrate todayrdquo

Philippine pavilionBuilt amid grand pavilions set up

by richer countries the Philippine pavilion sits on 267 square meters of fl oor space glimmering under ornate pods resembling corals

Its facade is a three-dimensional interpretation of coralmdashthe founda-tion of marine lifemdashand it emits a purplish glow

From a distance visitors can see

the pavilionrsquos exterior glowing like the skin of the ldquobutandingrdquo or whale shark under the sea

To give visitors a feel of the Phil-ippinesrsquo popular sandy beaches the place showcases four types of sand gathered from the famous beaches of the country pink sand from Santa Cruz Island in Zamboanga City white sand from the world-famous Boracay Island in Aklan black sand from Santo Domingo Albay and brown sand from San Lorenzo Guimaras

Market exposureSince the expo opening on May

12 more than 372000 visitors have called at the Philippine pavilionmdashthe targeted 10 percent of the more than 3 million guests expected to go there

On peak days the pavilion gets 13000 visitors a day and an average of 4000 on slow days according to Jeannie Sudario planning offi cer of the Tourism Promotions Board

ldquoThe Philippinesrsquo participation in this international exposition is highly appreciated by the Korean governmentrdquo Lee said

ldquoI am confi dent that the Philip-pines and South Korea will con-tinue to nurture the strong [ties] our nations enjoy Now itrsquos time to turn

Thousands of Anti-RH Bill supporters march to EDSA shrine to protest bill


Philippines attracts allies


ISRAEL TAMAYOLEADERSHIP COUNSELING amp MISSIONS PASTOR

951 | 294 | 4013

JON MEJICAHEAD PASTOR

858 | 776 | 2221

wwwharborofl ifeorg9625 BLACKMOUNTAIN RD SUITE 209211 SD CA 92126 | PHONE 8585780952

SUNDAY SERVICE 930 -11AM

KIDS MINISTRY SUNDAY 930 -11AM

CELL MINISTRY SUNDAY 1115AM

But seek fi rst his kingdom and his righteousness and all these things

will be given to you as well

Matthew 633

EAD PEOPLE TO KNOW CHRIST AS LORD AND SAVIOUR

NCOURAGE THEM TO GROW IN THEIR RELATIONSHIP WITH GOD

CKNOWLEDGE THEIR SPIRITUAL GIFTS AND TALENTS EVELOP THEM TO BECOME LEADERS AND WORKERS FOR GOD

L

E

A

D

OUR MISSION

Being Unconditional Witnesses

Good news becomes bad news

when it is announced without peace and joy Anyone who proclaims the forgiving and healing love of Jesus with a bitter heart is a false witness Jesus is the savior of the world We are not We are called to witness always with our lives and sometimes with our words to the great things God has done for us But this wit-ness must come from a heart that is willing to give without getting anything in return

The more we trust in Gods unconditional love for us the more able we will be to proclaim the love of Jesus without any inner or outer conditions

Daily Meditation August 8 2012 Text excerpts taken from Bread for the Journey by Henri JM Nouwen copy1997 HarperSanFrancisco All Scripture from The Jerusalem Bible copy1966 1967 and 1968 Darton Longman amp Todd and Doubleday amp Co Inc

endured the questions that have been repeatedly askedrdquo Cayetano said

ldquoIs it correct to use the Senatersquos time the time of its employees the time of the reporters the air-conditioning the lights here the resources of the Senate [just] to ask questions that have been repeated many times They can read them in the journalrdquo she said

Told that Enrile had expressed the view that the responsible health bill was still unripe for approval Cayetano said ldquoBecause during his time there was no RH (problem) So it is hard to accept that this time there is a need for itrdquo she

over a new leaf in order to protect our oceans from further deteriora-tionrdquo



Phl ranks 10th

Get the best results for your CLASSI-FIED AD with our

3-in-1 PRICE offer via online+digital+print editions Only from the Asian Journal

6194740588

San Diego News

SSSTTTAAARRRBBBlllaaazzzeeerrrsss ampampamp TTTOOOPPP HHHAAATTTsss ldquoldquoldquoGGGiiivvveee BBBaaaccckkkrdquordquordquo AAAwwwaaarrrdddsss GGGaaalllaaa 222000111222

Susan Davis Diane Feinstein Father Joe Carroll Mary Jo Aragon Vina Masadao Phelps Congresswoman Senator Father Joersquos Villages Consul General (posthumous) BBB eee nnn iii ggg nnn ooo ldquoldquoldquoNNN iii nnn ooo yyy ldquoldquoldquo AAA qqq uuu iiinnn ooo SSS TTT AAA RRR BBB lll aaa zzz eee rrr SSS TTT AAA RRR BBB lll aaa zzz eee rrr FFF eee lll iii ppp eee AAA ggg ooo nnn ccc iii lll lll ooo GGG aaa bbb rrr iii eee lll aaa BBB aaa ddd ggg eee ooo fff CCC ooo uuu rrr aaa ggg eee YYY eee lll lll ooo www RRR iii bbb bbb ooo nnn LLL iii fff eee ttt iiimmm eee AAA ccc hhh iii eee vvv eee mmm eee nnn ttt LLL iii fff eee ttt iii mmm eee AAA ccc hhh iii eee vvv eeemmm eee nnn ttt GGG lll ooo bbb aaa lll FFF iii lll iii ppp iiinnn ooo LLL iii fff eee ttt iiimmm eee AAA ccc hhh iii eee vvv eee mmm eee nnn ttt

Saturday August 18th 2012 Paradise Point Resort San Diego

1404 Vacation Road San Diego California 92109 500 ndash 600 pm Registration Silent Auction Private Reception

600 ndash 930 pm Awards Dinner 930 ndash 1130 pm Dance (Live Band Soul Seduction) $100 Awards Dinner $130 Awards Dinner with Private Reception $40 Students (doors re-open at 730 pm)

eventsphilambidcom 6193704708 PO Box 208 Bonita CA 91908-0208 wwwfacebookcomphilambid

Media Partners Asian Journal San Diego Philippines amp Asian Report

Lorna Schofield Esq First American of Filipino descent to

be nominated to the US Federal Court (appointment subject to Senate confirmation)

SSS TTT AAA RRR BBB lll aaa zzz eee rrr

Keynote Speaker

The Outstanding Professionals amp High Achieving Teams sssuuucccccceeessssssfffuuulll ppprrrooofffeeessssssiiiooonnnaaalllsss bbbuuusssiiinnneeesssssseeesss aaannnddd ooorrrgggaaannniiizzzaaatttiiiooonnnsss wwwhhhooo gggiiivvveee bbbaaaccckkk tttooo ttthhheeeiiirrr cccooommmmmmuuunnniiitttiiieeesss

Ted Benito Robert Brownlie Esq Bobby Korn MD Susan Legaspi CPA Fran Muncey Mona Pasquil President Partner Ophthalmic Surgeon CEO Owner Appointments Secretary Apldeap Foundation DLA Piper LLP (US) UCSD Shiley Eye Center Zuehls Legaspi amp Company Galley at the Marina Office of the Governor

CDR Patricia Witherspoon Margie G Woods Athletes for a Chula Vista San Diego County The San Diego Executive Officer Judge Better Community Physicians Group Credit Union Foundation Naval Base San Diego San Diego Superior Court Rafael Consing Jr President Barry McCown DC Teresa Halleck CEO Bob Kelly CEO

Reece Akana SSS TTT AAA RRR SSS ccc hhh ooo lll aaa rrr sss Zachary Brownlie

Dillon Cruz SSS TTT AAA RRR SSS ccc hhh ooo lll aaa rrr sss Nicholas Salcedo

VVViiisssiiiooonnnaaarrryyy VVVooollluuunnnttteeeeeerrrsss Josie Calderon Scott Connie Fructuoso Henry Josie Pimentel Isibido Rosanna Guevarra Salcedo

RRRiiisssiiinnnggg SSStttaaarrrsss Bibianne Fell Esq Joseph Roley-Arzaga Jennifer Siverts-McGrady F A C E

County accept-ing unused pre-scription drugsSAN DIEGO (Aug 7 2012) ndash

Unused prescription drugs can be deadly and by a 5-0 vote today the San Diego County Board of Super-visors approved installing a secure receptacle at the County Adminis-tration Center to collect unwanted pharmaceuticals

The drop box is located on the fi rst-fl oor rotunda of the county building at 1600 Pacifi c Highway The public can discard unused medi-cine in the sturdy steel receptacle with no charge and no questions asked

ldquoMore than 400000 people come to the County Administration Center every year to conduct businessrdquo said Supervisor Pam Slater-Price ldquoIf 1 percent take advantage of the box that will equate to more than 4000 dropsrdquo

The drop box also will provide a convenience to the 750 employees based at the building

In 2010 Slater-Price formed a task force to address a spike in prescrip-tion drug abuse She also secured funding to fabricate 22 drop boxes which are available to the public at Sheriffrsquos stations throughout the county

In two years more than 8000 pounds of prescription drugs have been collected in the drop boxes said Undersheriff Ed Prendergast Slater-Price he said ldquohas been a real championrdquo in combating prescrip-tion drug abuse

In 2011 the county recorded 267 unintentional prescription drug-related deaths

ldquoMany of them were teensrdquo Slater-Price said ldquoTheir experimen-tation often begins with drugs taken straight from their parentsrsquo medicine cabinetsrdquo

Mt Hope Com-munity Garden

Grand-Openingby JoAnn Fields | San Diego CA

Under the leadership of Diane Moss Executive Director of the Peoples Produce Project the long-awaited community garden in Mt Hope is now open to the public and was cel-ebrated with a grand opening at the southwest corner of Market Street and Denby Many residents and leaders of local community organi-zations have committed to plant and maintain their 4x12 feet garden plot for one year

Victoria Lagula President of the Filipino American Womens Club of San Diego County and Volunteer at the Pilipino American Senior Citizens of San Diego County Our organizations are excited to share our culture and delicacies from the Philippines We have 2 plots dedicat-ed by each of the organizations I am involved with to showcase typical Filipino grown vegetables We look forward to learn about our neighbors cultures as well Today I met Amina Shiek-Mohammad who is Somalian and shared the African culture

Congressman Bob Filner The Mt Hope Community Garden is a great venue to promote healthy food and eating This is also a fantastic op-portunity to get our diverse neigh-borhoods involved in their commu-nity As mayor of San Diego I am committed to open more community gardens throughout our city

The Peoples Produce Project is a program of Project New Village located at 5106 Federal Blvd Suite 103 San Diego 92105 For more information and upcoming activities please visit their website at wwwProjectNewVillageorg

Winners to be Announced at Countryrsquos Largest Philan-

thropic Awards Ceremony in September

SAN DIEGO CALIFndash Among

2400 submissions PCI was chosen as a Western Region fi nalist Char-ity of the Year for the annual Classy Awards the largest philanthropic awards ceremony in the country celebrating the greatest charitable achievements by nonprofi t organi-zations socially conscious busi-nesses and individuals worldwide In 2011 nearly 2000 organizations and volunteers were nominated for a CLASSY Award and their collec-tive efforts impacted the lives of more than 200000000 people in 71

countries worldwidePCI has been selected as a Top 5

Regional Finalist in the Charity of the Year category for the 4th Annual CLASSY Awards an honor which would include recognition at the ceremony in September as well as a monetary grant As a fi nalist PCI is already receiving extensive media exposure estimated at 250 million media impressions worldwide

The winning award submission featured PCIrsquos groundbreaking polio program in India which has im-munized or educated over 300000 families in the Uttar Pradesh area a region known for a high concen-tration of active polio cases As of 2012 there has been no confi rmed case of polio for the fi rst time in twelve months in a targeted region

where PCI works Due to the tire-less efforts of thousands of vaccina-tors supervisors and community mobilization members this was the fi rst time in history that wild polio virus transmission was interrupted in this area which was once labeled the epicenter of polio in the world

While the public is casting their votes a panel of Past CLASSY Awards Winners will judge and score each Regional Finalist based on impact originality and category fi t The Regional Winners in each category will be determined by a combination of the Public Vote (50) and the Past Winner Judgesrsquo Scores (50) The Regional Win-ners will be announced on July 31

As global health and humanitarian organization PCI is one of the few

PCI Chosen as Regional Finalist for Annual Classy Awardsinternational development agen-cies in the Western United States reaching nearly 7 million people in 16 countries each year People that would like to vote for PCI to win Charity fo the Year for the Western Region can visit this website click on PCI under the ldquoCharity of the Yearrdquo and then click ldquoSubmit My Final Ballotrdquo httpowlyc923T

Celebrating its 50th anniversary in 2011 PCI (Project Concern International) is an international health develop-ment and humanitarian assistance organization operating in 16 countries worldwide PCI is dedicated to saving lives and building healthy communities around the globe benefi tting over 67 million people annually in Asia Africa and the Americas Funded by federal grants and private support PCIrsquos current annual budget is nearly $50 mil-lion and the organization has 600 employees worldwide PCIrsquos headquarters are located in San Diego CA and also has an offi ce in Washington DC and a Seattle WA representative

The Philippine Nurses Associa-tion of San Diego (PNASD) will celebrate itsrsquo 38th Year Anniversary on Saturday September 15 2012 at 600pm at the Doubletree Hotel 7450 Hazard Center Drive San Diego 92108 The program will include the Scholarship and Nurse Excellence awards and Induction of newly elected PNASD Offi cers for the term 2012 through 2014

PNASD is a non-profi t organi-zation that provides educational service through workshops unifi es

Filipino nurses through collaboration with other ethnic groups provides community health services at various local functions through volunteer fi rst aid stations and blood pressure screenings provides health services to members of the underserved seg-ment of the community and partici-pates in National conferences We encourage Filipino nurses to become members of our organization

We are now accepting applications for our Scholarship awards Dead-line for applications is August 24

2012 The Nurse Excellence appli-cation award deadline is August 20 2012 You can access the ldquoAwardrdquo section by the drop down website PNASDorg

You are invited to ldquoCome join the funrdquo with the awards and dancing on September 15 2012 The fee is $65 per head and deadline is September 1 2012

For more information please con-tact Crisabel Ramos (619) 920-2856 or Linda Mascardo at (619) 931-4894 Visit our website at PNASD

org

Philippine Nurses Association of San Diegorsquos 38th Year AnniversaryScholarship amp Excellence Awards and Induction of Offi cers September 15 2012

lion while Mexico placed seventh with 14 million and Canada ranked eighth with about 11 million

The survey showed that the Philip-pines now has around 95 million reg-istered users in the microblogging site putting the country in the 10th spot in the worldwide rankings trailing Spain and staying one step ahead of Turkey

The global poll covered about 517 million Twitter profi les all over the world

Orlando Vea chief wireless advisor of Smart Communications Inc said in a statement that hundreds of thou-sands of Filipinos trooped to Twitter to spread critical fl ood information as well as to mobilize rescue and relief operations at the height of Tuesdayrsquos intense rain and fl ooding all over the country

ldquoEven as the torrential rains ren-dered several families stranded and helpless with fl ooded homes and without electricity we saw how people found their mobile phones ndash and mobile Internet ndash especially useful to stay connected tweeting for help for loved ones stuck elsewhere and even for complete strangers trapped on their

rooftopsrdquo Vea saidHe pointed out that Filipinos have

been increasingly using their mobile phones to access social media sites including Facebook and Twitter

ldquoThis is certainly good news but frankly not really surprising Filipi-nos have always been active in social media and we are increasingly using mobile phones to tweet or post on Facebookrdquo he added

Offi cially dubbed the ldquosocial media capital of the worldrdquo in 2011 the Philippines reportedly has around 939 percent of its 40-million strong Inter-net population on Facebook

It surpassed more progressive countries in large part because of the affordability of gadgets and the ac-cessibility of Internet services made available by local telcos

Vea said Smart offers the most num-ber of Android devices in the country ranging from entry-level smartphones to top-tier offerings

Being able to take full advantage of Smartrsquos high-speed data connectivity posting status updates and tweets are as easy as sending text messages ndash es-pecially in critical times such as during disasters he noted



9M Luzon under state of calamity

August 11 -Saturday 1230House of Philippines (HOP) Balboa Park -- Workshop will fol-

low our Meeting 2PMHOP will be providing Pancit (me-

rienda) to be served 2PM for the workshop Please feel to bring a snack to eat ampor share during the FANHS meet-ing if you think yoursquoll be hungry prior to 2PM Many Thanks to Rom amp HOP

At our next Chapter meeting we will be discussing upcoming events for Filipino American History Month as well as our National Conference in New Mexico that was held this summer where it was formally announced that the 2014 FANHS National Conference will be in San Diego FANHS SD has been asked to both collaborate and participate in various events We would like to have good representation at the various events and we need your presence and help Please join us as we look forward to seeing you-- Judy Patacsil FANHS SD President jpatacsisdccdedu (See fl yer on page 10)

House of the Philippines amp

FAHNS Oral His-tory Workshop

August 11

at least 17 fl ooded areas in Metro Manila

Local authorities have also declared a state of calamity in the provinces of Bataan Laguna Pam-panga and Zambales and Cainta and San Mateo in Rizal province

The NDRRMC reported that a total of 1230813 persons were affected by non-stop rains and fl ood-ing in Ilocos region Central Luzon Calabarzon Mimaropa and Metro Manila

It said that a total of 242211 persons are staying in evacuation centers and 607941 persons are either staying in their relatives or friends homes

The disaster response agency has so far confi rmed 11 fatalities from the fl ooding nine of which are mem-bers of a family whose home was buried by a landslide in Quezon City on Tuesday morning

The NDRRMC has yet to include in its fatality count the security guard who died of electrocution in Manila and two victims of drowning in Malabon and Caloocan cities

There was also a report of another person who died of a heart attack and one child missing after being swept by fl oodwaters in Bataan province

Meanwhile the NDRRMC has alerted several local government units in Luzon as dams including Ipo Ambuklao Binga San Roque and Magat continued to release water

These areas were San Manuel San Nicolas Tayug Sta Maria Asingan Villasis Alcala Bautista Rosales and Bayambang in Pangasi-nan province Ramon San Mateo Aurora Cabanatuan Luna Reina Mercedes Burgos Naguilian and Gamu in Isabela and low-lying ar-eas along Angat river from Norzaga-ray to Hagonoy

People living near the La Mesa Dam were also alerted as the dam continues to overfl ow as of 6 am today

Events

2013 Conference to Feature Jon and Myla Kabat-Zinn

Following the tremendous success of the 2012 Bridging the Hearts and Minds of Youth conference the UC San Diego

Center for Mindfulness is thrilled to an-nounce that registration will be opening soon for the 2013 event Highlighting the program will be a Friday evening lecture by Jon Kabat-Zinn (noted mind-fulness teacher and author of Wherever You Go There You Are Coming to Our Senses and Full Catastrophe Living) as a benefi t for the UC San Diego Family amp Child Programs On Saturday the program will include a 3-hour workshop on Mindful Parenting by Jon and his wife Myla who are co-authors of the book on the same topic entitled Every-day Blessings

This yearrsquos program will also include presentations on recent research on

mindfulness with youth talks by people implementing a fascinating variety of innovative mindfulness-based programs with kids across the age spectrum and optional workshops focused on learning specifi c programs and skills related to bringing mindfulness to youth in a variety of ways and settings Additional keynote speakers will augment the conference with unique and inspiring viewpoints designed to further the fi eld and contribute to its growth

The core focus of the Bridging confer-ence is to connect people across disci-plines creating connections between the classroom the laboratory the therapy room and the living room to support

and foster the growth study and dis-semination of mindfulness for the good of the next generation This conference is a wonderful opportunity to connect with the people doing the work of teach-ing mindfulness to our youngsters to develop skills and competencies to do this work in your particular setting and to learn what science has to say about this important work All of this activity unfolds within a larger intention to build community and support those who are cultivating compassion equanimity and inner wisdom in youth of all ages An added attraction is the location at the Catamaran Hotel in San Diego adjacent to gorgeous Mission Bay and

UCSD presents Workshop on Bridging the Hearts amp Minds of Your Mindfulness in Clinical Practice Education and Research February 1-3 2013 Catamaran Hotel San Diego CA

a block away from the Pacifi c Ocean the Catamaran is an ideal location for a conference of this caliber

Please Note Our program includes opportunities for people and orga-nizations to submit to present at the conference (httpwwwsurveymonkeycoms8JY79CT)

We welcome you to the site for this exciting conference and invite you to revisit it periodically over the com-ing months as the full program comes to fruition and additional information becomes available You can also enter your email address above to be notifi ed as soon as the offi cial registration opens

We look forward to having you with

us at the Catamaran Hotel in San Diego in February 2013

SincerelySteven D Hickman PsyD Confer-

ence Organizer Director UC San Diego Center for Mindfulness

Join the CASE Act in a 5K rally and march along scenic oceanfront Liberty Station Park Take a stand against human traffi cking Hear from guest speakers and from sur-vivors of human traffi cking enjoy music and entertainment refresh-ments and visit local anti-traffi cking informational booths to fi nd out how you can take action Family friendly event Friendly dogs on leash are welcome

Saturday August 25th 4pm-7pmSPEAKERSChris Kelly Founder of Safer

California FoundationDaphne Phung Founder of Cali-

fornia Against SlaveryNikki Junker Co-Founder of With

More Than PurposeAlso get ldquoYes on Prop rdquo materi-

als and chalking station to write on your car ldquoVote Yes on Prop to Stop Human Traffi ckingrdquo

Other walks in Long Beach Sacramento and Oakland Go to walkcaseactorg to fi nd dates and locations

Email KathCaliforniaAgainst-Slaveryorg) or textcall 619-866-9259 We will help streamline the process - you can sign up on the phone with me or through email and send in a check or pay over the phone If you can donate so that a student who cannot afford the walk can attend in your place

Join the Walk for Justice at

Liberty Station on August 25

Grammy Award winner and Michael Franti to headline

weekend of music at the track

DEL MAR Calif mdash Funky tunes and delicious brews are on every-bodyrsquos wish list this weekend as a Beer Fest and two highly acclaimed performers are set to kick off the second half of the Del Mar summer season in style Michael Franti amp Spearhead will plug in on Friday while world-renowned superstar Ben Harper will be joined by plenty of sudsy goodness for his show on Saturday With this musically ac-complished weekend lineup ready to rock race fans will have plenty to stick around for after the Thorough-breds are fi nished running

4 OrsquoClock Fridays with Michael Franti amp Spearhead ndash Friday Aug 17 ndash Another 4 OrsquoClock Friday per-formance is sure to put track-goers in the weekend state of mind after another long work week Michael Franti amp Spearhead will take the stage as the sun goes down over the Pacifi c Ocean to entertain attendees with their unique blend of hip-hop folk and rock music A long-time advocate of social justice and world peace Franti is sure to bring to Del Mar the same energy that he has brought to the political and social musical landscape for more than 25 years

Beer Fest amp Ben Harper in Con-cert ndash Saturday Aug 18 ndash Race fans will have extra incentive to come out to Del Mar on Saturday when another Beer Fest will offer up more

than 70 delicious brews for Thor-oughbred fans to enjoy The taps will start fl owing at 1 pm and attend-ees can purchase a wristband good for fi ve beer tastings for just $17 After the last horses of the day cross the fi nish line Grammy-winning musician Ben Harper will keep fans buzzing with his bluesy sophisti-cated style Music lovers wonrsquot want to miss the chance to catch an artist who has won acclaim in countries all over the world

Donrsquot forget about some of the mid-week specials offered week-in and week-out at the place where the ldquoTurf Meets the Surfrdquo Race fans are able to receive FREE stretch run admission and a FREE seat along with half-off domestic beers hotdogs and drinks when they come to the track with their Diamond Club

membership card for Free amp Easy Wednesdays Del Mar also teams up with Oggirsquos Pizza every week for Pizza lsquoN Ponies Thursdays Fans can pick up a coupon from any Southern California Oggirsquos Pizza location and bring it to the track to get stretch run admission a reserved seat an Oggirsquos personal cheese pizza and a soda all for just $11

Racing at Del Mar happens Wednesdays through Sundays with post time for the fi rst race on most days at 2 pm On Fridays fi rst post is at 4 pm There will be a special Monday racing card on Labor Day Sept 3 For more information call 858-755-1141 or visit wwwdel-marscenecom You can follow Del Mar on Twitter DelMarRacing or become a fan on Facebook at wwwfacebookcomDelMarRaces

Beer Fest on Tap for Ben Harper Performance at Del Mar Aug 18


ROOM FOR RENT Quiet Neighborhood in National City No smoking No drugs 6197463416

Classifi ed Ads

riod of six hours said Mahar Lagmay the project director

Based on the initial data from Project Noah there were 472 millimeters of accumu-lated rainfall from 445 pm of August 6 to 300 pm of Auguat 7 a 22-hour period The data were recorded in Quezon City

Ondoyrsquos onslaught dumped 455 mm of rain over a 24-hour period But 341 mm fell in just six hours

The monsoon rains on the other hand were spread throughout a longer period This is why the data should be put into perspective Lag-may said

Ondoy more intense ldquoThat must be put into perspective

Although the accumulated rainfall was initially more than Ondoy the amount from Ondoy was com-pressed in a shorter period within six hours It was concentrated during that period making Ondoy much more intense in terms of rainfallrdquo Lagmay told the Inquirer in a phone interview

He added that the data had to be verifi ed by the Philippine Atmo-spheric Geophysical and Astro-nomical Services Administration (Pagasa)

The monsoon rains gave Metro Manila and nearby provinces a near repeat of Ondoy with many people trapped in their homes because of raging waters and cars stalled in deep fl oods

What was different was that there was not even any storm or typhoon to blame for the deluge just the nameless southwest monsoon

Pagasa said the southwest mon-soon brought heavy rains because it had the lingering effects of Typhoon ldquoGenerrdquo and was enhanced by Tropi-cal Storm ldquoHaikuirdquo The tropical storm was spotted northeast of Tai-wan but was outside the Philippine area of responsibility

Weather forecaster Glaiza Escul-lar said Gener had enhanced the southwest monsoon when it was in the country last week

Before the effects of Gener could wane Haikui came close to the country and enhanced the monsoon or moisture-laden winds again thereby causing heavy rains

Like wet rag Escullar likened the situation to a

wet rag that was drenched in water Before the rag could be wrung out it was doused in water again

As Haikui moved closer to Taiwan its effect on the southwest monsoon in the country intensifi ed The peak of the monsoon rains enhanced by Haikui was felt Monday night and Tuesday morning Escullar said

Moderate to heavy rains were also felt throughout most of Tuesday and the same may be felt on Wednesday although it may also start easing up a bit on Wednesday

According to Pagasa the down-pour would be felt Wednesday in Metro Manila Ilocos La Union Pangasinan Tarlac Zambales Bataan Pampanga Bulacan Rizal Cavite Laguna and Batangas

Landslides and fl ash fl oods in mountainous and low-lying areas may occur Pagasa said

If no new typhoon low pressure area or any other weather system would enter the picture sunnier weather would be felt on Thursday

Pagasa said data from Project Noah which is under the Depart-ment of Science and Technology was still subject for verifi cation

Forecaster Mario Palafox said data from Project Noah came from au-tomatic weather stations and would have to be verifi ed by checking the manual rain gauges of the weather bureau

ldquoThat is subject for verifi cation The automatic weather station can be susceptible to errors It may be correct or the machine could have problemsrdquo Palafox said

The latest 24-hour rainfall data available from Pagasa as of Tuesday was 3234 millimeters from 8 am of August 6 to 8 am of August 7 monitored at the Science Garden in Quezon City

Palafox said the monsoon rains were different from Ondoyrsquos be-



cause the downpour on Tuesday was spread out more uniformly through-out the day

Abnormal He also described the monsoon

rains as ldquoabnormalrdquo given their heavy volume There was no storm typhoon or even a low pressure area in the country

ldquoItrsquos been a long time since we last experienced this kind of rainfall eventrdquo he said

Palafox also said the rains came intermittently and did not fall down in a single time period because they were caused by the southwest mon-soon These are winds that move aroundmdashWith Frances Mangosing INQUIRERnet

Reverse Mortgage(Continued from page 17)and a line of credit

You can change your payment option any time for about $20

HECMs generally provide bigger loan advances at a lower total cost compared with proprietary loans But if you own a higher-valued home you may get a bigger loan advance from a proprietary reverse mortgage So if your home has a higher appraised value and you have a small mort-gage you may qualify for more funds

Loan FeaturesReverse mortgage loan advances are not

taxable and generally donrsquot affect your Social Security or Medicare benefi ts You retain the title to your home and you donrsquot have to make monthly repayments The loan must be repaid when the last surviving borrower dies sells the home or no longer lives in the home as a principal residence

In the HECM program a borrower can live in a nursing home or other medical facility for up to 12 consecutive months before the loan must be repaid

If yoursquore considering a reverse mortgage be aware that

Lenders generally charge an origination fee a mortgage insurance premium (for federally-insured HECMs) and other clos-ing costs for a reverse mortgage Lenders also may charge servicing fees during the term of the mortgage The lender some-times sets these fees and costs although origination fees for HECM reverse mort-gages currently are dictated by law Your upfront costs can be lowered if you borrow a smaller amount through a reverse mort-gage product called a HECM Saver

The amount you owe on a reverse mort-gage grows over time Interest is charged on the outstanding balance and added to the amount you owe each month That means your total debt increases as the loan funds are advanced to you and interest on the loan accrues

Although some reverse mortgages have fi xed rates most have variable rates that are tied to a fi nancial index they are likely to change with market conditions

Reverse mortgages can use up all or some of the equity in your home and leave fewer assets for you and your heirs Most reverse mortgages have a ldquononrecourserdquo clause which prevents you or your estate from owing more than the value of your home when the loan becomes due and the home is sold However if you or your heirs want to retain ownership of the home you usually must repay the loan in full ndash even

if the loan balance is greater than the value of the home

Because you retain title to your home you are responsible for property taxes insurance utilities fuel maintenance and other expenses If you donrsquot pay property taxes carry homeownerrsquos insurance or maintain the condition of your home your loan may become due and payable

Interest on reverse mortgages is not deductible on income tax returns until the loan is paid off in part or whole

Getting a Good DealIf yoursquore considering a reverse mortgage

shop around Compare your options and the terms various lenders offer Learn as much as you can about reverse mortgages before you talk to a counselor or lender That can help inform the questions you ask that could lead to a better deal

If you want to make a home repair or im-provement ndash or you need help paying your property taxes ndash fi nd out if you qualify for any low-cost single-purpose loans in your area Area Agencies on Aging (AAAs) gen-erally know about these programs To fi nd the nearest agency visit wwweldercaregov or call 1-800-677-1116 Ask about ldquoloan or grant programs for home repairs or improvementsrdquo or ldquoproperty tax deferralrdquo or ldquoproperty tax postponementrdquo programs and how to apply

All HECM lenders must follow HUD rules And while the mortgage insurance premium is the same from lender to lender most loan costs including the origination fee interest rate closing costs and servic-ing fees vary among lenders

If you live in a higher-valued home you may be able to borrow more with a propri-etary reverse mortgage but the more you borrow the higher your costs The best way to see key differences between a HECM and a proprietary loan is to do a side-by-side comparison of costs and benefi ts Many HECM counselors and lenders can give you this important information

No matter what type of reverse mortgage yoursquore considering understand all the conditions that could make the loan due and payable Ask a counselor or lender to explain the Total Annual Loan Cost (TALC) rates they show the projected annual average cost of a reverse mortgage including all the itemized costs

Be Wary of Sales Pitches

Some sellers may offer you goods or services like home improvement services and then suggest that a reverse mortgage would be an easy way to pay for them If you decide you need whatrsquos being of-fered shop around before deciding on any particular seller Keep in mind that the total cost of the product or service is the price the seller quotes plus the costs ndash and fees ndash tied to getting the reverse mortgage

Some who offer reverse mortgages may pressure you to buy other fi nancial products like an annuity or long term care insurance Resist that pressure You donrsquot have to buy any products or services to get a reverse mortgage (except to maintain the adequate homeowners or hazard insur-ance that HUD and other lenders require) In fact in some situations itrsquos illegal to require you to buy other products to get a reverse mortgage

The bottom line If you donrsquot understand the cost or features of a reverse mortgage or any other product offered to you ndash or if there is pressure or urgency to complete the deal ndash walk away and take your business elsewhere Consider seeking the advice of a family member friend or someone else you trust

Your Right to CancelWith most reverse mortgages you have

at least three business days after closing to cancel the deal for any reason without

penalty To cancel you must notify the lender in writing Send your letter by certi-fi ed mail and ask for a return receipt That will allow you to document what the lender received and when Keep copies of your correspondence and any enclosures After you cancel the lender has 20 days to return any money yoursquove paid up to then for the fi nancingReporting Possible Fraud

If you suspect that someone involved in the transaction may be violating the law let the counselor lender or loan servicer know Then fi le a complaint with

the Federal Trade Commission (FTC) You can do that online at wwwftc-complaintassistantgov or by phone at 1-877-FTC-HELP (1-877-382-4357)

your state Attorney Generalrsquos offi ce or state banking regulatory agency

Whether a reverse mortgage is right for you is a big question Consider all your options You may qualify for less costly alternatives The following organizations have more information

Reverse Mortgage Education ProjectAARP Foundation601 E Street NWWashington DC 20049wwwaarporgrevmort1-800-209-8085U S Department of Housing and

Urban Development (HUD)451 7th Street SWWashington DC 20410wwwhudgovoffi ceshsgsfhhecmrm-

toptencfm1-800-CALL-FHA (1-800-225-5342)Federal Trade CommissionConsumer Response Center600 Pennsylvania Avenue NWWashington DC 20580wwwftcgovbcpmenusconsumer

creditshtm mdash Click on ldquoMortgages amp Your Homerdquo

1-877-FTC-HELP ( 1-877-382-4357)The FTC works to prevent fraudulent de-

ceptive and unfair business practices in the marketplace and to provide information to help consumers spot stop and avoid them To fi le a complaint or get free informa-tion on consumer issues visit ftcgov or call toll-free 1-877-FTC-HELP (1-877-382-4357) TTY 1-866-653-4261 Watch a video How to File a Complaint at ftcgovvideo to learn more The FTC enters consumer complaints into the Consumer Sentinel Network a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agen-cies in the US and abroad

To

From GEN SILVERIO

Herewith is proof of your classified ad for publication in the Asian Journal Please proofread i t and fax back the correction if any or call us for your approval The ad is tentatively scheduled to be published in the

issue of the Asian Journal if we receive your approval on time At $4 per line

lines it costs

$______00 to be paid upon your receipt of the invoice and tear sheet Thank you

Fax

If approved please sign and fax back to

(619) 474-0373

__________________

Asian JournalFirst Asian Weekly Newspaper in Southern California amp San Diegorsquos Most Widely Circulated Asian-Filipino Newspaper

550 East 8th Street Suite 6 National City CA 91950 bull Tel (619) 474-0588 bull Fax (619) 474-0373

AJ-CA_08102012

Audie Ruelas

3x4x10

120

DATE OF PUBLICATION MAY 25 2012COST $20000

REF TONI THOMPSON-K12STORMWATER

SANDAG Announces Grant Funding for Transportation Providers Serving Seniors Persons with Disabilities Low-Income Residents and Reverse Commuters

The San Diego Association of Governments (SANDAG) invites programs providing transportation services for low-income residents reverse commuters persons with disabilities and seniors to apply for funding under the Job Access and Reverse Commute (JARC) New Freedom and Senior Mini-Grant (SMG) programs This call for projects will include one year of funding for both JARC and New Freedom and two years of funding for SMG The JARC and New Freedom programs have approximately $16 million and $800000 respectively to fund proj-ects in the San Diego urbanized area Depending on funding availability the SMG program is expected to have approximately $13 million available each year for a total of $26 million) Matching funds are required for all grants however the percentage of matching funds required varies with the type of grant requested SANDAG may award grants to local government agencies tribal governments social service agencies private and public operators of public transportation and nonprofit organizations The grant applications and related materials are available at wwwsandagorgCoordinatedPlan or by writing to SANDAG attn JARCNFSMG 401 B Street Suite 800 San Diego CA 92101 The deadline to submit applications is 5 pm Wednesday Oct 31 2012 To request this document or related reports in an alternative format please call (619) 699-1900 (619) 699-1904 (TTY) or fax (619) 699-1905

To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

PUBLIC HEARING NOTICEDRAFT 2012 REGIONAL TRANSPORTATION IMPROVEMENT PROGRAM (RTIP) AND AIR

QUALITY CONFORMITY ANALYSIS The San Diego Association of Governments (SANDAG) will hold a public hearing on Sept 7 2012 to receive testimony on the Draft 2012 Regional Transportation Improvement Program (RTIP) including its draft Air Quality Conformity Analysis and the 2050 Regional Transportation Plan (2050 RTP) Our Region Our Future conformity re-determination The Draft 2012 RTIP is a multi-year program of proposed major highway arterial transit and non-motorized transportation projects being developed in the San Diego region from FY 201213 to FY 201617 This public hearing also will serve to satisfy the public participation process pertaining to the development of the Program of Projects for the Federal Transit Administration Section 5307 Urbanized Area Formula Program including the provision for public notice and the time established for public review and comment for the San Diego Metropolitan Transit System (MTS) SANDAG and the North County Transit District (NCTD) A complete list of the Program of Projects is included in Chapter 3 of the Draft 2012 RTIP The draft Conformity Analysis for the 2012 RTIP and draft conformity re-determination for the 2050 RTP Our Region Our Future were released for a 30-day review and comment period on July 27 2012 The deadline for comments is Aug 27 2012 The public hearing for the Draft 2012 RTIP will be held at the SANDAG Transportation Committee meeting beginning at 9 am on Friday Sept 7 2012 at SANDAG 401 ldquoBrdquo Street 7th Floor Board Room San Diego CA 92101 A copy of the Draft 2012 RTIP may be obtained from the SANDAG Web site wwwsandagorg2012RTIP or by calling (619) 699-1900

Audomero RuelasSANDAG

160

4x4x10

saidldquoThatrsquos why the Senate is a dynamic

body We are made up of young and old women and men with different back-grounds so that we can move forward with ideasrdquo Cayetano said


RH Bill

Digital Edition904762 reads

on scribdcomasianjournal

Asian Journal San Diego



by May Mediano | BANTAYAN April 9 2009 -- Bantayan island located off the northern coast of Cebu is the answer to the weary and hungry soul With its unspoiled beaches less traveled by tourists than Boracay and Palawan the old town is itself Cebursquos best kept secret ldquoBantayanrdquo originated its name from the watchtowers built all over the is-land in the 17th century as a lookout against seaborne Moros Famous for its religious tradition on Holy Thursday and Good Friday the folks hold a procession of life size statues mounted on carros to observe the passion and death of Jesus Christ But hear not with its somber ob-servance of its Lenten season ndash for the folks of Bantayan Island have a curious twist to its tradition While the rest of the country abstains from eating meat its town folks does the opposite of feasting during Lenten rites ndash a papal permission granted in

the 1800s exempting the folks from fasting This is in recognition to the fi shermen that do not set out to sea for seven days to participate their penance for the season hence the feast on Good Friday with a crisp and juicy lechon along with a bounty of seafood medley

It is a practice that the tourists enjoy visiting Bantayan Island dur-ing its Lenten season because they can celebrate the holy days together with the locals by feasting on red meat and seafood cooked either as fried sinugba kinilaw or adobaho as Bantayan offers an abundance of seafood ndash fresh and dried

One has yet to conquer Cebursquos kept secrethellip in Bantayan Island a place for the spiritually inclined

Cebursquos Ban-tayan Island the Glorious Seafood Hub

The Grilled Steakhouse Salad has a little of everything you could possibly want wild rocket arugula crisp romaine

Gorgonzola cheese sweet heat caramelized pecans roasted red peppers and of course steak ndash- all tossed to perfection

Or if yoursquore craving a little something of your own creation feel free to enjoy 45 feet of the freshest veggies and toppings

unlimited scratch-made soups bakery and more

A little carnivorelittle carnivorelittle A little herbivorelittle herbivorelittle

introducing

Cut Here

includes drinks

Expires 91512 Not valid with any other offers or on cookies kidrsquos to-go or premium salad toppers Not valid at Express

Valid at San Diego and Temecula locations only

2 adult meals and 2 drinks for $20

two $20for $20two

L00892

DestinationsGood News Pilipinas | MANILA

7192012 -- Philippine tourism is poised to benefi t from the worldwide recognition of Ariara Island in Calamian Palawan for ranking fi rst in the Top 100 holiday desti-nations which will be released in Vogue-UK Magazinersquos August 2012 issue

This luxurious and spacious private getaway has attracted and welcomed a number of high-profi le groups with its all-inclusive package of exclusivity relaxation 24-hour service excellent cuisine and a host of amenities both for the laidback and adventurous Ariara is the ultimate ldquooff the beaten trackrdquo destination where the structures are contemporary in style and have been designed with sensi-tivity to the environment

The resort website describes it to have eight spacious villas and beach cottages situated along Ariararsquos 600-meter white sand beach with uninterrupted views of the sea and neighbouring islands All bed-rooms have private terraces and gardens scattered with hanging chairs and ham-mocks Many have vaulted ceilings four poster style beds walk-in wardrobes enor-mous bathrooms and open-air showers Every item of furniture in Ariara has been designed made and upholstered in-house by local carpenters and craftsmen in the islandrsquos own workshops or outsourced to Filipino artisans Materials were sourced

Vogue-UK names Ariara Island Palawan 1 Holiday Destination

At the right end of the Palawan archipelago Ariara is one of the last remaining undiscovered Calamian Islands Owners of the 125 acres Brits Charles and Carrie McCulloch sought to create a private refuge for travellers who like them just dont do hotels Says Charles I have always disliked the lack of freedom and individuality imposed by hotels however stunning the location They commissioned Filipino architect Jorge Yulo to design the contemporary eco-resort and furnish it with pieces from local carpenters and craftsmen who weaved their own rattan sewed cushions from tribal fabrics and carved a bath from a single block of Romblon marble Lodging - including two Jungle Villas four Beach Cottages and the secluded North Beach Lodge - hugs the main beach In the main lodge is a restaurant helmed by Jacqueline Haessig Alleje the Philippines-based Swiss chef who has developed a healthy menu of international favourites including soy sake shrimp with ginger aioli and banana and cashew ice cream with pineapple sorbet Life on Ariara thrives on indulgence without limits guests do what they want when they want without compromise From Manila to Ariara A short fl ight from Manila to Busuanga where guests are transferred to Port of Coron nearby to board the Karen-Joy Ariaras 100ft trimaran Cruising time four hours Alternatively up to eight guests can make the journey in Ariaras 33ft speedboat in just over an hourAriara Island Calamian Islands Palawan Email blissariaraislandcom wwwariaraislandcom -- Sara Henrichs

locally and all furnishings were created using tradi-tional methods marble bath hand carved from single blocks of Romblon marble wooden bath made using traditional boat-building techniques local wood and rattan cushions made from tribal fabrics in Mindanao and intricate wooden chests by indigenous Palawan woodcarvers Ariararsquos decorative fl air is ac-centuated by striking wall hangings heliographs and ceramics made by a talented Filipino artist Ugu Bigyan

ldquoWhat is remarkable is that the entire resort is a testament to the unique artistry and skills of Filipino designers and artisans The use of local materials and traditional techniques serves as good advertising for Filipino craftsmanship and world-class products Tourism is not just about counting tourist arrivals More importantly it is about building opportunities on the ground and improving lives in communities in very real placesrdquo beamed Tourism Secretary Ramon R Jimenez Jr

ldquoFurthermore the resortrsquos properly planned

the Evening Standard Other illustrious UK magazines which featured the private island destination are Angels and Urchins Harrods Magazine Harperrsquos Bazaar The Spectator Wine and Dine Urbanollogy and Tatler

Roxanne a British guest had this to say about her grouprsquos experience ldquoWe had to pinch ourselves to be sure that the unique mixture of stunning beauty cosseting luxury and peace from anyonersquos agenda other than our own wrapped in the friendli-est of support teams were all real With all our varied needs tastes and energy levels every member of the family felt it was the most exciting stimulating restful cleans-ing and privileged break they had ever experiencedrdquo

UK remains to be a key generator of tourist arrivals to the Philippines The UK market grew stronger in 2011 and regis-tered 104466 year-end tourist arrivals-a fi rst in its history to yield over 100000 January to May 2012 statistics also attest to the marketrsquos continued growth as it yielded 50327 tourist arrivals rising one notch higher from its previous 10th place The marketrsquos performance is expected to be better with heightened awareness and current promotional efforts in UK via London taxicabs double-decker buses and posters in strategic places at the under-ground rail stations in time for the Queenrsquos Jubilee and the 2012 Olympics

To learn more about Ariara log on to wwwariaraislandcom

development and low density shows the ownersrsquo respect for the environ-ment We want to see more of this type of investment which sup-ports the principles of responsible ethical and sustainable tourismrdquo the Tourism Secretary added

Prior to Voguersquos recognition Ariara was likewise featured in various magazines in the United Kingdom The an-nual travel issue of Times Magazine hailed it as the ldquoBest Private Island Re-sortrdquo and described as ldquoa Philippine island of such prettiness that you almost expect Johnny Depp to pop out with a parrot on his shoulderrdquo and ldquobeyond a forest of coconut palms ridiculously blue water stretches out to a techno-colored reef where pink fl uffy Barbra Cartland-esque corals and rainbow-hued creatures waft in the tropical currentrdquo

In Independentrsquos ldquoLifersquos a Tag 2012s Most Surprising Holiday Destinationsrdquo Ariara was listed as one of the best islands to visit this year Black Tomato on the other hand hailed the island resort as ldquotherdquo place to visit in 2012 in

August 10-16 2012Asian Journal - (619) 474-0588 Visit our website at httpwwwasianjournalusacom

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Email dr_oliverbadilloyahoocom Phone (858) 566-6099

Open Monday ndash Friday 9am ndash 6pmSaturday 8am ndash 2pm

Credit Cards AcceptedZOOM

Exam Digital X-rays amp Cleaning

Over $200 in savings in the absence of gum disease new

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$3499Reg $238 Towards Any

Dental Service$550 or more

Cannot be combined with insurance

Limited time offer

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Vonage(Continued from page 1)

is also included for no additional charge

The new plan Vonagereg Unlimited to Globereg Philippines is available immediately at a fl at rate of $2999 per month (plus taxes and fees) The plan is the result of the recently-announced collaboration between Vonage and Globe The partnership marks a signifi cant milestone in Von-agersquos strategy to expand internation-ally

ldquoOur strategic partnership with Globe allows us to provide a low-cost simple to use calling solution for the three and a half million Filipinos living in the USrdquo said Kimberly OrsquoLoughlin Managing Director for International Markets for Vonage ldquoWith our new plan the Filipino

community can affordably stay con-nected with friends and family abroad without the worry of counting calling card minutes or managing expensive long distance costs We are exploring additional alliances and plan to an-nounce at least one additional partner-ship this yearrdquo

ldquoWe are happy to launch with Von-age our fi rst foray into the VoIP arena for inbound calling from the USrdquo said Rizza Maniego-Eala Group Head for International Business for Globe Telecom ldquoThis collaboration between Globe and Vonage presents a fi rm promise that we will continue to stay attuned to the needs of our market developing products that are truly relevant and competitiverdquo

The new plan can be purchased online via telesales and at select Seafood City locations in California Additionally Vonage will participate in several upcoming Filipino fi estas in Seattle Los Angeles San Francisco

Good News Pilipinas | MANILA 832012 -- The Philippines remains in a sweet spot with a lot of room for investment and economic activi-ties the Union Bank of Switzerland (UBS) said in its latest report

ldquoThe lack of excess suggests the Philippine economy is still in a sweet spot Easy monetary policy settings and rich asset valuations can encourage excesses in domes-tic credit and investment activity but these have yet to show up in a meaningful wayrdquo UBS said in a report released last week following the 25-basis points reduction in key policy rates by the Bangko Sentral ng Pilipinas (BSP)

On Thursday the BSP reduced the

Swiss bank UBS says Philippines sweet spot for investmentsovernight borrowing rate to a low of 375 percent and the lending rate to 575 percent on concerns over global growth risks

In its report UBS raised the ques-tion as to whether it was necessary for monetary authorities to raise rates

It said that easing monetary policy may spur credit but this has yet to be seen

UBS also said the Philippine econ-omy is not immune to the global external risks such as the crisis in the euro zone

ldquoAt the same time the Philip-pine economy is not immune to global headwinds In the context of international risks to the Philippine

economy and low infl ation a reason-able case for policy easing can and has been made by the BSPrdquo UBS said

It said that earlier BSP monetary policy should be good for asset prices

UBS said it expects the policy rate to be at 375 percent for the over-night borrowing rate and the peso at 42 to the dollar by yearend

The infl ation rate dipped to 28 percent in June from 29 percent in May according to latest data from the National Statistics Offi ce

The June infl ation brought year-to-date infl ation at three percent falling at the lower end of the central bankrsquos three to fi ve percent target for 2012

and Secaucus NJ to introduce the new calling plan to Filipinos living in the US More information about the plan as well as dates and locations of all events can be found at wwwphvonagecom

About VonageVonage (NYSE VG) is a leading provider of communications ser-vices connecting individuals through cloud-connected devices worldwide Our technology serves approximately 24 million subscribers We provide feature-rich affordable communica-tion solutions that offer fl exibility portability and ease-of-use Our Vonage World plan offers unlimited calling to more than 60 countries with popular features like call waiting call forwarding and visual voicemail mdashfor one low monthly rate Vonagersquos service is sold on the web and through regional and national retailers includ-ing Wal-Mart Best Buy Kmart and Sears and is available to customers in the US (wwwvonagecom) Canada (wwwvonageca) and the United Kingdom (wwwvonagecouk)

Vonage Holdings Corp is head-quartered in Holmdel New Jersey Vonagereg is a registered trademark of Vonage Marketing LLC owned by Vonage America Inc

To follow Vonage on Twitter please visit wwwtwittercomvonage To be-come a fan on Facebook go to wwwfacebookcomvonage To subscribe on YouTube visit wwwyoutubecomvonage

About GlobeGlobe Telecom is a leading full ser-

vice telecommunications company in the Philippines serving the needs of consumers and businesses across an entire suite of products and services including mobile fi xed broadband data connections internet and man-aged services Its principals are Ayala Corporation and Singapore Telecom who are acknowledged industry lead-ers in the country and in the region For more information visit wwwglobecomph Follow us on Twit-ter httptwittercomtalk2Globe and Facebook httpfacebookcomGlobePH

Unlimited calling is subject to our Reasonable Use Policy and Terms of Service All residential plans are based on normal residential personal use by single-family household mem-bers See Vonagecom for details

Extensionstrade calls made from mobiles use airtime and may incur surcharges depending on the userrsquos mobile plan

Program is part of new effort to in-crease access for students affected by

California budget cuts

SAN DIEGO Calif ndash At a time when public higher education in Cali-fornia is declining in accessibility affordability and availability Alliant International University is expanding its undergraduate offerings making its programs more fl exible and cost ef-fective and implementing new merit-based scholarships Alliantrsquos three-pronged initiative which will be implemented for the Fall 2012 semester at the San Diego cam-pus includes the following

1 Alliant is eliminating its current minimum requirement of 45 units of transfer credit Students may transfer any number of credits from other insti-tutions including community colleges Students can major in psychology business marketing and international

Alliant International University Launches Scholarship Program amp New Course Offerings

relations Additional majors in child development and criminal justice are coming soon The curriculum will fol-low California standards for general education meaning that credits from community colleges or California State University branches will seam-lessly transfer into Alliant

2 To increase fl exibility Alliant undergraduate students will have three options to take courses in the class-room online or a hybrid of the two

3 Alliant is introducing the Direct Success Scholarship Program The program has two levels ndash a $3000 Merit scholarship provided to all stu-dents who have completed at least 60 units (including those transferred from another institution) and a cumulative GPA of 30 and a $7000 Presidentrsquos scholarship awarded to qualifi ed stu-dents who have exhibited leadership skills and academic excellence includ-ing a GPA of 35 or better Details of

the application process and eligibility guidelines can be found at successalliantedu ldquoAs we all witness the California higher education budget crisis unfold impacting the aspirations of thousands of students we are help-ing to ensure that the dream of higher education will continuerdquo said Geof-frey Cox president Alliant Interna-tional University ldquoAlliant already has a strong reputation for its small classes fl exible schedules remarkable diversi-ty and tuition that is much lower than most private schools With these new offerings wersquore also hoping to be part of the solution to the current economic challengesrdquo ldquoWe wel-come students with any number of creditsrdquo said Russ Newman provost and vice president for academic af-fairs Alliant International University




2O-6O OFFSTOREWIDE



supersaturday

PREVIEW DAY TODAY


EXTRA 15 OFF





VALID 810-8122012




N2070053Aindd 1 73112 510 PM



Business
















































GB as HOST















NUMBERS


















At Large



Perspectives





































































Source NASA










Atty Susan V Perez


Se Habla Espanol


Health Care Reform































































Global Filipino
















hip hop tilt

































(To be continued)





















Justice and Mercy







An Act of Rebellion








Olympic memories



Selection


Light ampShadows






$



Next Fare$ 888 Up






Per Pax $





































Spiritual Life



Lower Your Nets




















by Ogie Cruz

Geneva Cruz

IW Group 82749

L17_Fil_K_13x103757-12-12

HP85

JF


By Ogie Cruz



























by Benjamin Maynigo






































Health and Wellness




















cause on-













































Life Lessons





















journalusacom







by Rudy D Liporada







































In cooperation with


































How Do I Apply






























LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892

















Asian Journal - (619) 474-0588 Visit our website at httpwwwasianjournalusacomAugust 10-16 2012



2O-6O OFFSTOREWIDE



supersaturday

PREVIEW DAY TODAY


EXTRA 15 OFF





VALID 810-8122012




N2070053Aindd 1 73112 510 PM



Business
















































GB as HOST















NUMBERS


















At Large



Perspectives





































































Source NASA










Atty Susan V Perez


Se Habla Espanol


Health Care Reform































































Global Filipino
















hip hop tilt

































(To be continued)





















Justice and Mercy







An Act of Rebellion








Olympic memories



Selection


Light ampShadows






$



Next Fare$ 888 Up






Per Pax $





































Spiritual Life



Lower Your Nets




















by Ogie Cruz

Geneva Cruz

IW Group 82749

L17_Fil_K_13x103757-12-12

HP85

JF


By Ogie Cruz



























by Benjamin Maynigo






































Health and Wellness




















cause on-













































Life Lessons





















journalusacom







by Rudy D Liporada







































In cooperation with


































How Do I Apply






























LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892



















Business
















































GB as HOST















NUMBERS


















At Large



Perspectives





































































Source NASA










Atty Susan V Perez


Se Habla Espanol


Health Care Reform































































Global Filipino
















hip hop tilt

































(To be continued)





















Justice and Mercy







An Act of Rebellion








Olympic memories



Selection


Light ampShadows






$



Next Fare$ 888 Up






Per Pax $





































Spiritual Life



Lower Your Nets




















by Ogie Cruz

Geneva Cruz

IW Group 82749

L17_Fil_K_13x103757-12-12

HP85

JF


By Ogie Cruz



























by Benjamin Maynigo






































Health and Wellness




















cause on-













































Life Lessons





















journalusacom







by Rudy D Liporada







































In cooperation with


































How Do I Apply






























LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892




















GB as HOST















NUMBERS


















At Large



Perspectives





































































Source NASA










Atty Susan V Perez


Se Habla Espanol


Health Care Reform































































Global Filipino
















hip hop tilt

































(To be continued)





















Justice and Mercy







An Act of Rebellion








Olympic memories



Selection


Light ampShadows






$



Next Fare$ 888 Up






Per Pax $





































Spiritual Life



Lower Your Nets




















by Ogie Cruz

Geneva Cruz

IW Group 82749

L17_Fil_K_13x103757-12-12

HP85

JF


By Ogie Cruz



























by Benjamin Maynigo






































Health and Wellness




















cause on-













































Life Lessons





















journalusacom







by Rudy D Liporada







































In cooperation with


































How Do I Apply






























LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892


























Atty Susan V Perez


Se Habla Espanol


Health Care Reform































































Global Filipino
















hip hop tilt

































(To be continued)





















Justice and Mercy







An Act of Rebellion








Olympic memories



Selection


Light ampShadows






$



Next Fare$ 888 Up






Per Pax $





































Spiritual Life



Lower Your Nets




















by Ogie Cruz

Geneva Cruz

IW Group 82749

L17_Fil_K_13x103757-12-12

HP85

JF


By Ogie Cruz



























by Benjamin Maynigo






































Health and Wellness




















cause on-













































Life Lessons





















journalusacom







by Rudy D Liporada







































In cooperation with


































How Do I Apply






























LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892



































Global Filipino
















hip hop tilt

































(To be continued)





















Justice and Mercy







An Act of Rebellion








Olympic memories



Selection


Light ampShadows






$



Next Fare$ 888 Up






Per Pax $





































Spiritual Life



Lower Your Nets




















by Ogie Cruz

Geneva Cruz

IW Group 82749

L17_Fil_K_13x103757-12-12

HP85

JF


By Ogie Cruz



























by Benjamin Maynigo






































Health and Wellness




















cause on-













































Life Lessons





















journalusacom







by Rudy D Liporada







































In cooperation with


































How Do I Apply






























LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892
































(To be continued)





















Justice and Mercy







An Act of Rebellion








Olympic memories



Selection


Light ampShadows






$



Next Fare$ 888 Up






Per Pax $





































Spiritual Life



Lower Your Nets




















by Ogie Cruz

Geneva Cruz

IW Group 82749

L17_Fil_K_13x103757-12-12

HP85

JF


By Ogie Cruz



























by Benjamin Maynigo






































Health and Wellness




















cause on-













































Life Lessons





















journalusacom







by Rudy D Liporada







































In cooperation with


































How Do I Apply






























LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892

































Spiritual Life



Lower Your Nets




















by Ogie Cruz

Geneva Cruz

IW Group 82749

L17_Fil_K_13x103757-12-12

HP85

JF


By Ogie Cruz



























by Benjamin Maynigo






































Health and Wellness




















cause on-













































Life Lessons





















journalusacom







by Rudy D Liporada







































In cooperation with


































How Do I Apply






























LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892






















by Ogie Cruz

Geneva Cruz

IW Group 82749

L17_Fil_K_13x103757-12-12

HP85

JF


By Ogie Cruz



























by Benjamin Maynigo






































Health and Wellness




















cause on-













































Life Lessons





















journalusacom







by Rudy D Liporada







































In cooperation with


































How Do I Apply






























LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892




















by Benjamin Maynigo






































Health and Wellness




















cause on-













































Life Lessons





















journalusacom







by Rudy D Liporada







































In cooperation with


































How Do I Apply






























LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892


















Health and Wellness




















cause on-













































Life Lessons





















journalusacom







by Rudy D Liporada







































In cooperation with


































How Do I Apply






























LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892













































Life Lessons





















journalusacom







by Rudy D Liporada







































In cooperation with


































How Do I Apply






























LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892



























In cooperation with


































How Do I Apply






























LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892


















LAW OFFICES OF
























journalusacom

Street Poetry





















Dear Kababayan










exam










her Thank You notes





Mi-chael

you


Dearest Melvin




MAMAS BIBLE

Poem No 6





Xu Jie your name


In calligraphy

In Sanskrit

In cryptic celtic



Xu Jie















































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892































































951 | 294 | 4013


858 | 776 | 2221







Matthew 633




L

E

A

D

OUR MISSION












Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892



















Phl ranks 10th



6194740588

San Diego News











Keynote Speaker










































org























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892


























August 11











Events






































Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892



















Classifi ed Ads





































































To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012

Audie Ruelas

3x4x10

120





To

From GEN SILVERIO



lines it costs


Fax


(619) 474-0373

__________________



AJ-CA_08102012




160

4x4x10




RH Bill
















introducing

Cut Here

includes drinks




two $20for $20two

L00892





























introducing

Cut Here

includes drinks




two $20for $20two

L00892

















Asian Journal August 10-16, 2012 digital edition

Documents

Transcript of Asian Journal August 10-16, 2012 digital edition