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Vol. 5 No. 35 7601 W. Clearwater Suite #407, Kennewick, WA 99336 www.TuDecidesMedia.com September 9th, 2011 Salute to Latin American Beisbol Night Royals vs. Mariners Saturday, September 10, 2011 SPORTS: Floyd Mayweather ENTERTAINMENT: “Mexico: The Royal SPORTS: Ex-boxing prepares for a title fight against Tour” Premieres Exclusively on Vme > 23 champ De La Hoya admits Victor Ortiz > 26 addictions > 24 25 You Decide – A Bilingual Newspaper September 9th, 2011 Sports Table of Contents Salute to Latin American Beisbol Night Royals 27 SPORTS: Salute to Latin American Beisbol Night Royals vs. Mariners vs. Mariners Saturday, September 10, 2011 26 SPORTS: Floyd Mayweather prepares for a title fight against Victor Ortiz 24 SPORTS: Ex-boxing champ De La Hoya admits addictions 23 ENTERTAINMENT: “Mexico: The Royal Tour” Premieres Exclusively on Vme 22 OUR FAITH: Let the Light Shine 21 YOUR MONEY: Credit Protection: Understand the Costs, Limitations and Alternatives 20 COMMUNITY: Redistricting commission to unveil draft plans 19 COLUMN: Dave says: Big down payment 19 COLUMN: From my balcony: Renovation 19 TECHNOLOGY: Facebook to allow further music integration 17 SPORTS: East-West Side Copa Soccer Spike Off Tournament Articles Western Washington 18w COLUMN: Felix says: Parents and technology tú Decides Newspaper 7601 W. Clearwater Suite #407 Kennewick, WA 99336 Phone: 509-591-0495 Fax: 800-790-4145 C ome out to Safeco Field on Satur- Web Site: www. TuDecidesMedia.com day, September 10 for Salute to Subscriptions I T COME S W I T H I T S OWN SF X CA RD: Latin American Beisbol Night! Subscriptions are available Catch the Mariners at a discounted price, for $26 for 6 months T W O 3 5 , 0 0 0 -L B .-T H R U S T P R AT T & I T COME S W I T H I T S OWN SF X CA RD: exclusive to you through this online offer. W H I T N E Y F 1 19 T U R B O FA N S . tú Decides is published weekly by tú Decides T W O 3 5 , 0 0 0 -L B .-T H R U S T P R AT T & The Mariners will honor the many great Media Inc. on every Friday. News deadline W H I T N E Y F 1 19 T U R B O FA N S . contributions that Latin Americans have is every Monday at 12 p.m. Ad reservation made in baseball and will wear special deadline is Monday at 10 a.m., ad material “Marineros” uniforms during the game. A deadline is every Monday at noon. portion of the proceeds from tickets pur- tú Decides Staff: chased though this special offer will benefit Albert Torres Esperanza. CEO & President The mission of Esperanza International Albert@tudecidesmedia.com is to free children and their families from Ismael G. Campos poverty through initiatives that generate Owner Mel@tudecidesmedia.com income, education and health, restoring self-worth and dignity to those who have Gracie Campos lost hope. Owner Gracie@tudecidesmedia.com DEADLINE TO PURCHASE: Friday, ©2009 Paid for by the U.S. Air Force. All rights rights reserved. September 9 at NOON Melissa Hernandez ©2009 Paid for by the U.S. Air Force. All reserved. Game Date: Saturday, September 10, Graphic Designer 2011 - 7:10 p.m. Tony Sandoval Pricing: Sales Representatives $18 View Reserved (normally $20) Annagrisel Alvarez, Dr. Claudia Romay Translations $32 Field Level (normally $40) $7 from each ticket sold benefits Espe- Annagrisel Alvarez, Arlette Rodriguez Mari Page ranza! Staff Writers For tickets visit: www.mariners.com ★ Félix Connection, Ismael Campos Distribution For the most lifelike experience, might we suggest a real-life experience? In the United States Air Force, we o er the real stu . Real joysticks. Real jets. Real challenges. And real decisions All rights reserved. No part of this publication may be reproduced without the express written consent of For have a real impact in the real might we suggest a of a career with us are real, too, and that the most lifelike experience,world. But the rewards real-life experience? In the United States Air Force,real opportunity. See a theme here? If you’re up to the Real challenges. Andprove decisions tú Decides Media, Inc. lled with we offer the real stuff. Real joysticks. Real jets. challenge and wish to real that that have a real impact inbit asreal world. But the rewards of a a call. We’ll o us are real, too, and your mind can move every the fast as your game thumb, give us career with er you a world Member of filled with real opportunity. wish to prove that no video game can match. See a theme here? If you’re up to the challenge and AIRFORCE.COM your mind can move every bit as fast as your game thumb, give us a call. We’ll offer you a world no video game can match. AIRFORCE.COM tú Decides MID-COLUMBIA MICRO BUSINESS OF THE YEAR Wisdom for your decisions September 9th, 2011 You Decide – A Bilingual Newspaper 24 Sports Floyd Mayweather prepares for a title fight against Victor Ortiz one loves to hate, making millions on big By Tim Dahlberg pay-per-view fights. He’s the star attraction Las Vegas (AP) on HBO’s “24/7,” where last week the last six F minutes of the episode featured Mayweather loyd Mayweather tries not to think and his father screaming at each other. about the Manny Pacquiao fight. Not The bad boy image isn’t just for TV. May- now, anyway, as he prepares for a wel- weather is involved in a half dozen different terweight title fight Sept. 17 against Victor court cases, one of which could send him to Ortiz. prison for felony domestic assault. In a sepa- Manny Pacquiao will have to wait. And, rate civil lawsuit, two men claim he orches- unfortunately for boxing fans, it could be a trated a shooting attack on them outside a long wait. Las Vegas skating rink two years ago. “When it’s all said and done, all roads lead “I don’t worry about that stuff,” May- to Floyd Mayweather,” Mayweather said. weather said. “It’s going to be what it’s going It’s a road that hasn’t been traveled much to be.” lately. Mayweather hasn’t fought since What he’s worried about right now is beating Shane Mosley 16 months ago and has getting himself ready to fight Ortiz, who only fought three times since beating Oscar so impressed Mayweather in his fight with De La Hoya four years ago to become a pay- Berto that he reached out to make him his per-view attraction. next opponent. Before that bout, Ortiz was He says he’s returning to the ring because }Boxers Floyd Mayweather Jr., left, and Victor Ortiz face off dur- best known for quitting in a fight he was he got excited watching Ortiz beat Andre ing a news conference. AP Photo By Mary Altaffer. losing, and his relative inexperience also Berto in his last fight. But he wasn’t going ger, perhaps mindful that the Filipino sensa- November fight with Juan Manuel Marquez. should play into Mayweather’s hands. to fight Ortiz unless he agreed to take blood tion is suing him for defamation for allegedly And, once again, a sport in dire need of a Assuming Mayweather wins, he will be tests to make sure he wasn’t doping. making repeated statements that he thought boost once again won’t get the fight all boxing 42-0 and a champion once again at 147 That’s a rule Mayweather says he now Pacquiao was taking performance-enhanc- fans want. pounds. But he still will be dogged by ques- lives by. And, unless Pacquiao agrees to the ing drugs. Indeed, he portrays his call for That didn’t seem to concern Mayweather tions about the quality of his opponents, his testing, he says there will be no megafight random testing as his way of cleaning up the as he got his hands wrapped before a workout relative inactivity, and what seems to be an between the two. sport of boxing. Friday in a gym that seemed even hotter than aversion to fighting Pacquiao. ”I’m not ducking or dodging or hiding Pacquiao, of course, sees it differently. He the 108 degrees it was outside. He believes By now, even the most optimistic boxing from no opponent,” Mayweather said. “All believes Mayweather is trying to impose his that he not Pacquiao is still the biggest name fans are beginning to believe the Pacquiao I’m saying is if you’re the best, take the test. will on him and doesn’t want any blood tests in boxing, and he’s determined to play out his fight will never happen. To Mayweather, That’s all I ask and we can make the fight too close to a fight. career on his own terms. it doesn’t really matter because he really happen.” So Mayweather is fighting Ortiz. Pacquiao So far that’s made him a rich man. He’s believes what he says that all roads in boxing Mayweather was careful not to accuse will be on a tour this week promoting his been able to sell himself as the fighter every- lead through him. ★ Pacquiao of using something to get stron- for lease NO NO Eq St to B uip LOCK IN YOUR PRICE ar m t- uy! en Up Co t FOR ONE YEAR!! st s! Se renta Market Place Centro Comercial 150 NOW GET OVER Mercado CHANNELS LOCAL CHANNELS INCLUDED* in over 97% of the U.S. Pasco 29 $ 99^ mo. FOR 12 MONTHS LIMITED TIME ONLY The CHOICE ™ package After rebate Retail Space Espacio comercial Retail Space All offers require 2 year agreement.** Offer ends 10/5/11. Credit card required (except in MA & PA). 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Wisdom for your decisions 23 You Decide – A Bilingual Newspaper September 9th, 2011 Wherever you are in life you’ll nd the care VisaCard Credit you need at 8 rates as low as .25 % apr* R Urgent Care No balance transfer fee No annual fee Low interest rate Acute Care Hospital Walk-In-Care Sleep Center Walk-In-Care West Medical Mall After Hours Pediatrics The Rod Coler Center Adult Day Services for Senior Health Physician Clinics It’s where you belong. 888.946.4372 gesa.com 900 South Auburn Street, Kennewick, WA 99336 • 509-586-6111 *APR=Annual percentage rate. Rate of 8.25 is expressed as annual percentage rate. Credit limit depends on qualifying income. No annual fee. Grace Period: 25 days for purchases, none for cash advances. www.kennewickgeneral.com Hermiston’s Only Complete Nursing & Regency Rehabilitation Center HeRmiston NursiNg & rehabilitatioN CeNter A Regency Pacific Community 970 W. JuNiper ave • hermistoN, or (541) 567-8337 • physical, occupational & speech therapy • 24-hour skilled Nursing Care • assistance with Daily living registered/licensed Nurses Certified Nursing Assistants • Full respite Care licensed therapists & • restorative therapy therapy assistants • planned activity/recreation programs registered Dietician social services • participation in support groups • meals and snacks provided • Daily laundry service All the girls take such good care of me, just like family! • end of life Care -Resident norma Bartell WWW.regeNCyhermistoN.Com Wisdom for your decisions September 9th, 2011 You Decide – A Bilingual Newspaper 22 Sports Ex-boxing champ De La Hoya admits addictions By The Associated Press skills to generate crossover appeal among to his late mother, Cecilia, who died of cocaine,” De La Hoya said. (AP) Latinos and whites. breast cancer two years earlier. “It took me to a place where I felt safe, it F He began boxing at age 5, following in ”There were drugs, my drug of choice took me to a place where I felt as if nobody ormer boxing champion Oscar De the path of his grandfather and father. He was cocaine and alcohol. Cocaine was can say anything to me, it took me to a La Hoya says he has contemplated won an Olympic gold medal at the 1992 recent. The last 2 years, last 21/2 years and place where I just can reach out and grab suicide and has been going to reha- Barcelona Games, delivering on a promise I depended more in the alcohol than the my mom.” ★ bilitation to treat drug and alcohol depen- dency. In an interview with Spanish-language network Univision that aired Tuesday, De La Hoya said he has been sober for three months after hitting rock bottom over the past two years. ”Rock bottom was recently,” De La Hoya said, according to an English-lan- guage transcript provided by the network. “Within a couple of years, just thinking if my life was even worth it. I don't have the strength, I don't have the courage to take my own life but I was thinking about it.” De La Hoya says he has been sober for three months after undergoing treatment 400 NEW SLOTS GO FOR A SPIN }Oscar De La Hoya. AP Photo by Reed Saxon. and joining Alcoholics Anonymous. He said he was unfaithful to his wife and Need we say MORE? that they temporarily separated. C a sino. H ot e l . RV. M u se u m . G ol f. D ining. “We are obviously not talking a Tiger Woods here, but I was unfaithful,” De La Hoya said. De La Hoya retired in 2009 after a 16-year career in which he won 10 world titles in six divisions and became boxing's most popular fighter. De La Hoya was thoroughly beaten by Manny Pacquiao in his last fight. He won his last title in May 2006, beating Ricardo Mayorga in six rounds for the WBC light middleweight belt. He finished with a record of 39-6 and 30 knockouts. Known as “The Golden Boy,” De La Hoya transcended his sport, using his bilingual what are you waiting for? You decide. NEW HOTEL NOW OPEN \\ Pendleton, OR \\ wildhorseresort.com www.tudecidesmedia.com Wisdom for your decisions 21 You Decide – A Bilingual Newspaper September 9th, 2011 FOR SALE OR LEASE Entertainment “Mexico: The Royal Tour” FOR LEASE Premieres Exclusively on Vme 800 W Court Street Pasco 11,000 SF of divisible space for Lease. Located on the corner of 8th & Court Streets, this property offers high traffic count, ample parking and perfect for one or several businesses. PRICE REDUCED! FOR SALE 1603 W Lewis Street Pasco New York with Calderón for a frank discussion of the A current state of affairs in his country, as well GREAT LOCATION! 2,969 SF Building with 4 overhead doors, iring Exclusively in Spanish on as the President’s war on the drug cartels. heated shop and lift. All new interior – new windows— new stucco Vme, “Mexico: The Royal Tour” “We’ve been given extraordinary access exterior. Office Space—Showroom Area! Premieres Friday, September 23 to both a country and its leader during President Felipe Calderón Joins Host Peter a pivotal time in Mexico’s history,” says Greenberg on a history-making tour of his Greenberg. “While we explore many of the country NEW YORK, September 6, 2011 little-known gems of this country, Presi- -- Vme, one of America’s largest Spanish dent Calderón also takes me inside his networks presented by public television, state-of-the-art, top-secret security bunker announces the Spanish broadcast premiere and discusses the drug battle and what it FOR SALE OR LEASE really means to travelers. It’s an eye-open- of Mexico: The Royal Tour a one-hour 202 N 10th special featuring an in-depth, one-on- ing, once-in-a-lifetime experience I get to Pasco one country tour led directly by Mexico’s share with viewers.” head-of-state. On Friday, September 23nd Where to Watch Vme – at 9pm (ET) on Vme, and again on Satur- In more than 40 markets, Vme is avail- day, September 24th at midnight (ET) and able free over-the-air, and on basic digital on Sunday, September 25th at 3:00pm(ET), cable. Vme is carried nationally via satellite Previous Bank Building located on the corner of 10th & Lewis Streets. host Peter Greenberg, the Emmy© Award- in the basic and Hispanic packages of Dish Over 10,900 SF on three floors. Centrally located. High Traffic Area. winning CBS News travel editor takes the Network and DirecTV and on Verizon Three Drive-Thru windows. Many options! FOR SALE OR LEASE viewer on a journey deep into Mexico FiOS and AT&T U-verse where available. showcasing the country through the eyes For local channel information go to vmetv. of its leader, President Felipe Calderón. com/estaciones. In this groundbreaking one-hour About Vme - Spanish premiere, produced by Check Six Vme is Contigo to Hispanic families Productions and WNET New York Public delivering drama, music, sports, news, Media, Calderón and Greenberg travel current affairs, Latin cinema, food, life- FOR SALE OR LEASE the country from Chihuahua to Cozumel, style, nature and educational preschool 1800 E 7th from whale watching in Baja to rappel- content. The 24-hour Spanish network, Kennewick ling 110 stories down the Cave of Swallows partnered with public television stations, is in San Luis Potosi. The two men zip line currently available in more than 10 million high above the rainforest and dive Mexi- Hispanic homes. Vme is the first venture co’s mysterious cenotes and underground of the media production and distribution rivers. Calderón takes Greenberg on a company, Vme Media Inc. To find out tour up - and then deep into the fascinat- more please visit www.VmeTV.com NEW LISTING! Now available for lease is this 16,920 SF warehouse/ ing pyramids of Chichen Itza, Calakmul About Peter Greenberg and “The Royal office building off Commercial Street. 2.2 fences acres. Refrigeration and Teotihuacan. They head to Palenque, Tour”. Area. 5-Truck Doors-4 Dock High – 1 Dock Ramp. where a secret stairway yields centuries- Peter Greenberg is America’s most rec- old Mayan carvings in a hidden chamber; ognized, honored and respected front-line and in the village of Metzabok, Calderón travel news journalist. He is the Travel and Greenberg travel with the Lacandona, Editor for CBS News, and appears on The descendents of the Mayans who continue Early Show and across many CBS broad- to preserve their ancient traditions in an cast platforms. Greenberg produces and ever-evolving country. co-hosts one-hour television specials The program doesn’t just tour the iconic called “The Royal Tour®,” which feature and historic sites of Mexico; it also explores personal, one-on-one journeys through many of Mexico’s unique and lesser-known various countries with their heads of state. 509-943-5200 sites, all of which are accessible to travel- To date, countries have included Jordan ers. The tour also takes a personal turn for with His Majesty King Abdullah II, New 509-551-7122—Kevin O’Rorke the President as he takes Greenberg on a Zealand with Prime Minister Helen Clark, Se Habla Espanol surprise visit to the home where he grew Peru with President Alejandro Toledo, and up in Morelia, Michoacan and the school Jamaica with Prime Minister P.J. Patterson. 400 Bradley Blvd Ste 200—Richland, WA 99352 where he studied. Greenberg also sits down ★ Wisdom for your decisions September 9th, 2011 You Decide – A Bilingual Newspaper 20 Our Faith Bingo Boulevard Let the light shine 6222 W. John Day Ave. Kennewick Monday 10:30 AM & 12:30 PM By Ruben Mendez and wielded together. Then you have to Pastor Iglesia Cornerstone wait for it to dry before going on. So your Thursday thru Sunday 10:30, 12:30, 6:30 & 9:30 Y $1,000.00& Will Go! every step is delayed before you can go to ears ago I asked a friend if he the next step. What patience my friend could make me a stain glass piece had. Unable to move quickly we would talk that would serve as a main center piece for a TV set I was designing. Little and I learned a small part of this craft. It was a painful experience. I did not now Friday, Saturday Sunday Evening did I know what it would take to make that this but my friend cut himself over and $5.00 Minimum Buy In - All Sessions master piece? I actually watched the whole process over again. And though in small ways it was painful to see it and more painful that Come Try our New Electronic Card Minders from the drawing, collecting of the glass and the tedious job of connecting all the he simply could not stop. A little super glue and off he went to cut some more glass. the Whole or Guardian Fun for Years Old with Parent Family! Minimum 10 many broken pieces of glass into one mag- The light was needed. When the piece nificent picture of the world. Here are was finished it was truly a beautiful peace 509-783-2416 • www.bingoblvd.com • 1-800-890-6485 some observations. of work. It was placed in the center of Caution: Participation in gambling activity may result in pathological gambling behavior causing emotional and financial harm. For help, call 1-800-547-6133 It took time much longer than I thought. a teaching set. But it absolutely had no Time to draw time to shop time to make barring what so ever except when the light and time to dry it was one big waiting game was shown through it. It became a beauti- DishLATINO Images: Istockphoto/Vovan13 with little knowledge of the out come of DIRECTV ful piece with multiple colors and schemes. the project. Does that sound familiar you spend hours of time on issues and things Every piece became alive with color and purpose. I would just sit and stare at the ME CONVIENE PRECIO PROMOCIONAL DishLATINO DOS $2999 /MES OPTIMO MÁS $2999 /MES that you really do not know the eventual work. Great things take time even in the CARGO X 2DO TV $0 $600 outcome. hands of a master. CARGO X HD $0 $1000 It cost money for the pieces of glass that Interesting enough the stain glass was would be broken and re-broken. I was a picture of the world. I often feel that all $2999 /MES $4599 /MES amazed at all the pieces that would seem of God’s people are different and of multi EN UN AÑO TE AHORRAS $192 insignificant to me but of value to the color. And when shaped together we make Precio promocional después de un descuento de $15. creator. Every cut was made with the inten- this amazing body that is carefully fit Recibe descuentos por 12 meses. tion of fitting into the proper place on the together. But it is of no significance until drawing. Cut after cut some round, some the light shines through. YA! YA ¡LLAMA YA ! sharp, some tiny some large but all with the intentions to be the perfect fit for our piece For more information call 210-499-1654 “The people dwelling in darkness have 888-651-4180 of art yet to be assembled. seen a great light, and for those dwelling in Fuente: Basado en el paquete Optimo Más de DIRECTV®. La información de precios se obtuvo en la página web www.directv.com el día 25 de abril del 2011. El plan Digital Home Advantage requiere un contrato de 24 meses y calificación crediticia. Si el servicio es cancelado antes de la expiración del contrato, habrá un cargo de $17.50 por cada mes restante. Después de 12 meses de descuentos de programación, el precio regular vigente aplicará. El cargo por It takes time to come together. Apart the region and shadow of death, on them a HD de $10/mes no se aplicará mientras que la cuenta esté activa y requiere un contrato de 24 meses y pago automático con facturación electrónica. Solamente la instalación profesional estándar es gratuita. El equipo es alquilado y debe ser devuelto a DISH Network al momento de la cancelación de la cuenta o habrá un cargo por dicho(s) equipo(s). Hay un límite de 6 sintonizadores por cuenta; pueden aplicar cargos por adelantado y mensuales dependiendo del tipo y número de receptores. La programación HD requiere un televisor HD. Todos los precios, paquetes y programación están sujetos a cambio sin previo aviso. Oferta válida sólo para clientes nuevos y clientes previos de DISH Network que califiquen. La oferta está sujeta a los términos de la Promoción que aplica y del acuerdo de Cliente Residencial. Pueden aplicar restricciones adicionales. La oferta termina el 31/01/12 from the piece by piece connections every- light has dawned.”★ thing has to be interconnected and glued Matthew 4:16 House for Sale/Casa en Venta 6005 W Park, West Pasco WA $189,000 tú Decides. Move in ready You decide. 5 bedrooms 2 full baths 1 living room 1 family room To advertise, call Albert Torres at 2 fire places (509) 308-4990 or (509) 591-0495 or 2 car garage email:firstname.lastname@example.org New Stucco and New Roof www.tudecidesmedia.com Call 509-531-4087 English or 509-521-0249 Español Sofa & Loveseat $ 989 509 furniture 3405 W Court St 4-piece Bedroom Sets Pasco, WA 99301 $ 899 (Located inside the old Kmart Plaza) 509.542.1531 Quality Home Furnishings for Less Wisdom for your decisions 19 You Decide – A Bilingual Newspaper September 9th, 2011 This Page Sponsored by Moneytree Tu Dinero / Your Money Tú Decides is excited to introduce the following financial literacy pages, a regular feature sponsored by Moneytree, Inc Credit Protection: Understand the Costs, Limitations and Alternatives C hances are a credit card issuer make the suspended payments in protection often is offered through a offer only modest benefits when you or lender has offered a product the future, although a late charge check-off box on an insert with your qualify for them,” said Reynolds. that would postpone or make will not be assessed for the sus- statement, online or verbally, with no Consider alternatives to credit protec- your loan payments if you die, be- pended payment(s). Some pro- contract to review until after the con- tion coverage. You may already have, come ill or unemployed. These prod- grams may even allow a borrower sumer enrolls. “Request and review the or would be better off with, traditional ucts may provide security and peace to postpone a payment once a full terms and conditions — not just a life or disability insurance — even if of mind, but how can you tell if the year, such as during the holiday few words on a website or a verbal as- the monthly fees are higher than those offer is a good deal and right for you? season. surance that a program will take care for credit protection programs — be- • ”Credit insurance,” which will pay of you — before saying ‘yes’ to credit First, understand that these programs cause the insurance policies would en- the outstanding loan balance to protection,” advised Luke W. Reyn- can vary greatly. In general, the three able you (or your estate) to pay multi- the creditor if the borrower dies olds, Chief of the FDIC’s Community main types are: ple debts or expenses rather than just or will make monthly payments if Outreach Section. He addedthat many • ”Debt cancellation” programs, one specific debt. the borrower becomes ill, injured lenders give new enrollees a short pe- which will eliminate all or part or unemployed. riod (such as 30 days) to review the If life or disability insurance is too of an outstanding balance if the costly or you are ineligible for the cov- borrower dies, or reduces or elimi- Debt cancellation and suspension pro- terms and conditions and cancel the erage for health reasons, you might nates the monthly payments due grams are in many ways the same as coverage before they charge a fee. consider establishing an emergency if the borrower becomes disabled credit insurance, but they are offered Understand what’s covered. For exam- savings account funded by the money or experiences a major life event directly by an individual bank or credit ple, some credit protection programs you would have paid for credit protec- (such as a job loss or the birth of card issuer not through an insurance suspend (postpone) or cancel (make tion. a child) by making the payment company. (To keep things simple, we’ll for you) the minimum payment due, on the borrower’s behalf. use the term “credit protection” in which is generally only a small per- Also, it’s generally a good idea to call • ”Debt suspension” programs, the rest of the article to refer to all of centage of the outstanding balance. your creditors for assistance when you which will temporarily postpone these products.) Some programs may limit the number are facing or anticipating a financial all or part of a monthly payment hardship. “They may be able to lower What should be considered before of monthly payments they will make while the borrower is facing a on your behalf. And, while with some your interest rate or monthly payment, purchasing credit protection? specified hardship. However, the programs interest will not accrue dur- work out a payment plan to stretch borrower will still be expected to Know the full terms and conditions ing the coverage period, with others it payments out over time, or perhaps before committing to anything. Credit will. even forgive some of the debt,” said Victoria Pawelski, Acting Chief of the “In general, some credit protection FDIC’s Compliance Policy Section. programs may not make much of a dent on your outstanding balance,” Remember that credit protection is warned Reynolds. “Just making the optional. The lender cannot condi- Sell Your minimum payment on a credit card or other loan means it will take you lon- ger to pay off the balance owed, and tion approval of your loan on whether you buy a debt cancellation, debt sus- pension or credit insurance product. at you will pay more to the lender in in- terest over the life of the loan.” Don’t confuse these products with other types of insurance that may Moneytree Some programs advertise that the debt will be cancelled if the borrower be required, especially insurance to repair or replace property (such as a home or auto) that serves as collateral Get Cash Today! dies, but they likely will only pay up for a loan, and private mortgage insur- to a specified dollar amount, which ance (protection for the lender if the may not be enough to pay off the full borrower doesn’t repay the loan) that balance. In addition, some programs lenders can require for certain home may only cover accidental deaths, not Get IMMEDIATE CASH for your gold! loans. those due to illness or natural causes. Competitive rates. Try to resolve problems as soon as If you apply for benefits under a debt possible. We test and weigh your gold for FREE. suspension program for a credit card or a home equity loan, the terms of First, discuss the matter with your We provide you with a FREE quote, then the agreement may state that you will lender. If you’re not satisfied with the you decide whether to sell your gold. not be able to use the card or loan outcome, consider contacting the ap- Our branches are open convenient hours, including evenings during the claim period. propriate government regulator for and weekends. help or guidance. Know what the coverage will cost. WE BUY gold jewelry, regardless of the condition (bent, broken, tangled) The institution’s federal banking reg- Many creditors describe the cost of a bracelets, rings, necklaces, earrings (including unmatched items). ulator may be able to answer your credit protection program as85 cents questions or concerns about a deposi- or 95 cents per $100 of the outstand- *In Select Branches tory institution’s sale of a debt cancel- ing balance each month. This means lation or debt suspension product. If that you will pay for credit protection you’re not sure which federal banking on your purchases even if you pay the agency regulates a particular lender, balance in full by the due date. For a Please visit moneytreeinc.com to find a borrower with a balance of $4,000, you can get the name from the FDIC Call Center at 1-877-275-3342. branch near you that’s purchasing gold. that would be $34 to $38 dollars a month. The charge is generally calcu- Visit www.moneytreeinc.com for addi- lated on the average outstanding bal- tional articles about a variety of finan- ance at the end of the month. cial topics. Check weekly for the latest moneytreeinc.com/gold “These programs could easily cost article. you hundreds of dollars a year and Wisdom for your decisions September 9th, 2011 You Decide – A Bilingual Newspaper 18 Community Redistricting commission to unveil draft plans Sept. 13 Olympia, WA Boe at 360-786-0770, or e-mail T email@example.com. he Washington State Redistrict- The unveiling of the plans ing Commission has concluded marks the opening of the public its public forums and is generat- comment period to collect ing first drafts of Commissioner plans peoples’ reactions to the draft for redrawing congressional and legis- plans. Large-format versions of lative districts statewide. The plans will the plans will be on display in be unveiled for the first time on Sept. 13, the Cherberg Building immedi- in Olympia. Development of the plans ately following the meeting on follows three months of input from the Sept. 13 and will also be posted public about where the lines should go. The to the Commission’s website by forums were conducted to help the Com- 2 p.m. that day. The Commission missioners better understand the potential is taking comment on the draft effects of changing the boundaries of legis- plans through October 11. The lative and congressional voting districts in comment period will wrap up those regions. with a public meeting in Olympia “I’m pleased to say that we heard from on Oct. 11. The Commission has hundreds of people who gave us very set a goal of early November for thoughtful and useful feedback,” said Com- release of the final congressional mission chair, Lura Powell. “It impressed and legislative redistricting plan. me to see the time and effort many had Washington voters established taken to inform their opinions about the Washington State Redistrict- redrawing district lines in their communi- received more than 170 written comments tricts. The meeting begins at 10 a.m. in ing Commission in 1983 to ensure ties. This input is important to the work of by email, postal mail and comment forms. Senate Hearing Room 1 of the Cherberg voting boundaries are established through the Commission as we develop new con- Staff mailed 38 “do-it-yourself ” map kits Building on the Capitol Campus. A brief a fair and bipartisan process. The Com- gressional and legislative district boundar- and received 21 third-party plans by the period of public comment and a time for mission includes two Democrats and two ies.” August 15 deadline. All written comments media questions will follow the Commis- Republicans as voting members and a non- From May through August, the Com- received and the submitted third-party sioners’ presentation of their draft plans. voting, nonpartisan chair. Lura Powell, mission hosted 18 public forums statewide. plans may be viewed on the Commission’s The meeting will be webcast and broadcast from Richland, serves as the Commission About 1,000 people attended the forums website, www.redistricting.wa.gov. live by TVW, the state’s non-profit public chair. Democratic appointees to the Com- in all. Attendance ranged from 25 people At its monthly meeting in Olympia, on affairs television network. mission are Tim Ceis, Seattle; and Dean to more than 160, with average attendance September 13, 2011, the Commission- If you plan to attend the meeting and Foster, Olympia. Republican members are around 50. In addition to the public testi- ers will each make public their proposed need auxiliary aids or services, including former U.S. Sen. Slade Gorton, Bellevue; mony given at the forums, the Commission plans for congressional and legislative dis- language interpretation, contact Heather and Tom Huff, Gig Harbor. ★ 12 % Off † 799 Manager special price Gemini Chocolate All regular priced items 3 Piece Living Room Includes Sofa Sectional, Corner Chaise & Ottoman now only $ OR free 32 TV " † with any furniture purchase of $1999 or more. OR special Financing available* free Subject to credit approval. 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Wisdom for your decisions 17 You Decide – A Bilingual Newspaper September 9th, 2011 Dave Says From my balcony This section sponsored by Microsoft Big down payment Renovation Technology T he other day, while talking to a Facebook to allow further Dear Dave, South American friend, he was I s it always a good idea to put the telling me how I should visit an music integration maximum amount of money you can Andean town before the nature of his afford into a down payment when country changes. It seems that big infra- buying your first home? structure investments may dry up the —David cultural heritage and richness of the region. Dear David, We must remember that humanity has A bsolutely! Even though most advanced thanks to capital, needed to people can’t pay cash up front for a modernize humanity. Unfortunately, home, you always want to make as since the time when money was invented big a down payment as possible on any things have never been the same. home you buy. Making a down payment People can no of at least 20 percent longer dedicate helps you avoid private themselves to mortgage insurance, simple trade, plus the whole idea is to for example. In pay that sucker off and this way, “you become debt-free as give me bread in fast as possible. Also, Dave Ramsey exchange for my avoid 30-year mort- work” or “I give gage plans. Stick with a you firewood 15-year, fixed rate loan. in exchange for By Ryan Nakashima world are integrated with Facebook and Now, when it comes to putting money your grain” is no }Lorena Barboza Los Angeles (AP) we’re constantly talking to our partners F toward your down payment, make sure longer applicable. Furthermore, maybe about ways to improve these integrations,” you don’t touch your emergency fund of it never did work. acebook is preparing to bolster he said in a statement. three to six months of expenses or your the programming tools it offers to This week, subscription leader Rhap- What could indeed be done today is to retirement savings. Those things are off licensed music services like Rhap- sody launched a beta version of its integra- control those investors and stop them limits. But scrape together any other from doing whatever they want. This is sody, Spotify, MOG and Rdio to make it tion using Facebook’s sign-in tool, Face- extra cash you can, pile it up, and apply easier for users of the social network to find book Connect. A Rhapsody customer can why the ones who believe in a better it to your down payment. You’ll be glad out what songs their friends are digging. now “like” an artist or song, and doing so world exist. As a specific proposal, you did! ★ The tools won’t amount to a unique lets others know in the person’s Facebook maybe their works could be supervised, —Dave stopping investments from being only in music service on its own, since Facebook news feed. Liked artists are synced across * For more financial help, please visit the hands of a few. has not negotiated licensing deals with both services and Rhapsody subscribers daveramsey.com. We can’t stop the development and major music companies, according to a can listen to artists that their friends have modernization of different people from person familiar with the matter. liked on Facebook. happening through the destruction of But it will make give Sponsored by But there is no way cur- our rivers and landscapes. It seems this Facebook users yet rently to find out exactly CLASSIFIEDS / is the only way to allow people to evolve. We can also not stay rooted to the past. another reason to stick around. Being more aware what a friend is listening to at a particular moment, Let’s look at countries like Spain, for CLASIFICADOS example. Its evolution has happened of what your friends are listen- nor can a Facebook friend join in ing to could make the subscription music and simultaneously listen to what a Rhap- Help Wanted / Ayuda with the help of those kinds of investors: plans more attractive. They all offer unlim- sody user is playing in real time. factories have set up, as well as mines, Drivers Needed cattle raising, and agriculture. They ited listening to millions of new and old Rhapsody spokeswoman Jaimee Steele achieve their modernization without tracks on mobile devices for $10 a month, said the company is “definitely interested” with 3 yrs experience CDL License but they have yet to gain enough traction in improving its Facebook tools. destroying their fields and landscapes. A - class & Doubles Endorsement to Spain turned, in very few years, into part to replace revenue the music industry has “We think that music is a very social haul in the TriCities WA Area of the locomotive that’s moving Europe lost from declining CD sales. experience and we are always looking at Se solicitan Choferes con 3 Anos de forward after being the last car of the The person was not authorized to speak ways to enhance that experience,” she said. experiencia Licencia CDL clase A y train. Currently, and in spite of the eco- publicly on the matter and declined to be Swedish new entrant Spotify allows nomic recession, Spain is still placed identified. Facebook friends to access the playlists endorso de dobles en el area de as the third force in tourist movement TriCities WA Facebook is expected to reveal the spe- their friends have chosen to share. Rdio across the world, all because they knew cific set of tools at its developer conference allows people to connect through Face- Call Sam 509-531-4087 how to take care of their infrastructure, in San Francisco, called f8, on Sept. 22. book, follow other Rdio users and find out landscapes, and heritage. Spokesman Larry Wu said Facebook had what albums they have been listening to All of Latin America is rich in cultural nothing new to announce. “Many of the the most. ★ For Sale / En Venta heritage. Yes, we need modernization, most popular music services around the new infrastructure, and to let people Take over payments for Salon Beliz know about the treasures that can be Restaurant due to travel reasons. found there. We have to show these great Good Location, Great Clientele. yet unknown civilizations to the greater public, but to do so we must not just For information call grieve: we must put ourselves to work. 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Offering you the latest in: Se Traspaspasa Restaurante por Until next week and may God be with • All Haircolor & Haircutting Services you! ★ motivos de viaje bien ubicado, • Hair Extensions • Photography —Lorena Barboza Ch. con buena clientela, informese al • Brazilian Blowout • Shellac (509)727-0553 (509)302-4333 firstname.lastname@example.org • Relaxation Facials • Full Body Waxing • Chemical Peels • Manicures & Pedicures Anuncie su clasificado aquí contáctenos llamando al (509) 619-1448 509-591-0495 o envíe un email: www.salonbelizs p a.c o m email@example.com Hours: Location: Mon-Fri 10-7 101 N Union St. To place a classified call: Saturday 10-5 Suite 201 (509) 591-0495 Sunday Closed Kennewick, WA Wisdom for your decisions 15 You Decide – A Bilingual Newspaper September 9th, 2011 Sports East - West Side Copa Soccer Spike Off Tournament By Arlette Rodriguez from winning, spending time together and Yakima tú Decides Correspondent participating in what they like to do. W Chiquilladas and El Jazmin are teams ashington’s second annual East that will bring in competition to the tour- - West Side Copa Soccer Spike nament. Off tournament is soon to take “Chiquilladas and El Jazmin are teams place in the city of Yakima. Last year was that everyone wants to confront,” said the first time this statewide soccer tourna- Tinoco. ment was organized in the area. Both teams have been practicing hard in “It was a little bit tough because it was our order to perform well in this year’s tourna- first year,” said Victor Monreal, president ment and have good games for the commu- and coordinator of the tournament. nity to enjoy. Although it wasn’t easy to organize and Communities in Washington are put everything together, Monreal says involved in this tournament, and the coor- everyone was happy and they had a good dinators thank them for their support. turnout. “Until now, we’ve had the support of dif- “Last year was great,” said Monreal. ferent communities,” said Tinoco. Some things they do want to improve in Monreal adds that there are a lot of vol- is the competitiveness and the organization unteers helping them with the tournament of the tournament. this year, showing the community involve- “Each tournament we try to improve ment. the competition,” said Heraclio “Rocky” “The community is pretty well involved,” Tinoco, vice-president of the tournament. said Monreal. “Each tournament we try to improve the One of the objectives that they want to be organization.” reach is to bring the community together Competing in the tournament, there will through soccer, which is a growing sport, be a total of 16 teams. Chiquilladas team members have been this year’s tournament is El Jazmin from especially between Hispanics. “Our focus is to bring eight teams from playing together for ten years, which helps Othello, which will be changing its name to Everyone in the community is encour- the west side and eight teams from the east them be a strong team. For this year’s tour- Huskies. aged to attend the tournament to show side,” said Monreal. nament they’re expecting the same strength El Jazmin came in after Chiquilladas in their support to the teams. Last year’s first place winning team was in their performance, especially because last year’s tournament, taking second place. “We encourage everyone to come and Chiquilladas from Yakima, coached by the tournament will take place in Yakima. “Last year was something nice,” said Juan support this event,” said Monreal. Nino Cardenas. “Here at home we should be pretty Mendez, coach for El Jazmin. “It was a real Anyone is welcome to the tournament, “We have a really good, strong team,” said strong,” said Cardenas. nice experience.” which will take place in Chesterly Park in Cardenas. Another team that is coming back to Mendez says the team enjoyed, aside Yakima on September 16th through 18th. ★ 50 Turn your 50 Gold, Silver & Platinum into green! We buy gold, silver, platinum & much more! We consider any item! 307 e. columbia dr • KenneWicK 727-0214 509 50 50 Now Enrolling Across From McClure Elementary New Hours: 5am to 6pm New Hours: 5am to 6pm Wisdom for your decisions W September 25th, 2011 You Decide – A Bilingual Newspaper 18W Félix Says Parents and technology S chool is beginning and parents run about to see to their children’s needs. It’s interesting how commerce turns that into a school-supplies selling marathon. Since things are no longer the same economically speaking, many prepared their lists and are being very careful when spending their money. The complicated part of this is that is consumer confidence is not restored, sales and commerce will continue to be affected. The economy is not yet reestablished and winter is almost upon us, which makes things even a bit slower. Something I do see is Félix A. Valderrama that things have changed so much that quite recent economic theories and statistics are now outdated. Things are changing fast and it’s important to keep moving to the rhythm of the present day. It is also extremely important for parents to learn to use technology. Almost everything we use on a daily basis has an electronic element. By not being able to use technology, one becomes an invalid of these times. There are many parents who can use a phone nimbly, but it is not enough: the Inter- net in our homes can be an ally or an enemy. The Internet brings us a deep source of information and knowledge that can be used to our benefit and at the same time help our children. But, if it is only the kids who have access to it, it may be invading the privacy of our homes. Social media sites, like Facebook, have become quite popular nowadays, making it easy to connect with anyone. These types of connections may open doors to abuse from people who only want to intrude into our own privacy. It is vital that we keep watch of who our children interact with, because in front of a com- puter not everyone is saint. So, in short, avoid damage by ignorance, and stay alert on everything to do with new technologies and social media. Remember that I’m here to receive your comments. I thank the way many of you stop me in the street to talk about this column. Really, thanks! And remember our date next week. ★ — Felix You can send your questions to Félix at: Felix@tudecidesmedia.com or mail to tú Decides, 8220 W. Gage Blvd # 715, Kennewick, WA 99336 OSR_SCS2011_TuDecides_HlfPg.pdf 1 7/12/11 5:00 PM SCS WORKS FOR ME. In today’s business climate, you need to leverage every opportunity. The Port of Seattle’s Small Contractors and Suppliers Program (SCS) creates more opportunities for small businesses, especially those owned by minorities and women, by leveling the playing field. When you register on SCS, your firm can benefit from vendor training, continuing education and workshops, plus other valuable incentives. C Sign Up Today! Start taking advantage of the benefits Port of Seattle’s SCS Program provides. M Y CM MY CY CMY K Photo Credit: Young Lee Office of Social Responsibility Find out more at: www.portseattle.org/business/smallbusiness/ or e-mail us at: firstname.lastname@example.org Wisdom for your decisions
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