EL SEGUNDO HERALD October 6, 2016 Page 15 Finance Tips for Navigating the Sharing Economy Likewise, if your next vacation involves renting a room or villa, make sure your homeowners or personal liability insurance covers any damages that could happen during your stay. Don’t be Taken for a Ride If you have a car and don’t mind driving, contracting as an Uber or Lyft driver may be a way to make extra money in your spare time and meet some colorful characters. Before you start, make sure everything is safe for you and your passengers. With this in mind, insurance is one of the most important factors to understand. The most popular ride-share companies offer contingent collision and comprehensive coverage when a driver accepts a ride request or has a passenger in the vehicle. However, drivers need to understand that while you can insure your vehicle for personal use or for commercial use, in some cases you cannot insure it for both. More insurance companies are creating policies that cover drivers who use their vehicle for both commercial and personal use. Contact your insurance representative to find out if there are any gaps in your coverage to reduce your liability and ensure a safe experience. Goods and Services for Hire The sharing economy doesn’t stop there. It’s also now possible to make a little extra money by renting out your power tools, golf clubs, camera equipment and much more - including your time and labor. Before you rent, get a security deposit and take plenty of photos to document the item’s condition. Talk with your insurance agent to figure out what kind of information you need for your homeowners insurance policy to cover whatever it is you’re renting out. Just like the sharing economy is all about convenience, Insure U (www.insureuonline. org) offers free tips and tools to help you get smart about insurance coverage in all situations. • (BPT) - Thousands of people stayed in rooms and houses last night that belong to strangers. More hopped into cars with people they’d never met and accepted a ride to a restaurant or to their home. A young woman rented a designer dress she saw listed online. These are a few examples of the sharing economy - a system in which people rent homes, arrange rides and borrow personal items typically through online services that facilitate the transactions. Rather than doing business with hotel chains, taxis or department stores, consumers are engaging with strangers in a way that is atypical of traditional business interactions. The sharing economy generated about $15 billion in revenue in 2013 and is expected to hit $335 billion by 2025, according to PricewaterhouseCoopers. Like many big changes, the emergence of the sharing economy has required consumers and companies to re-educate themselves and rethink their approach. While there are many safeguards in place, owners and renters tend to overlook the role insurance plays in this new economy. It doesn’t have to be complicated. Resources such as Insure U from the National Association of Insurance Commissioners (NAIC) can help you avoid unexpected surprises in the world of shared rides and rooms. A few things to keep in mind: Welcome Home The vast majority of accommodations booked on HomeAway, VRBO or Airbnb go off without a hitch. Still, there are stories involving families coming home to torn-up couches, smashed-in walls and homes littered with trash. If you regularly rent out a room in your home, it’s important to know many homeowners policies won’t cover guests’ injuries or property damages. Talk to your insurance agent and determine if you need additional liability or landlord coverage. Police Reports from page 8 School Spotlight from page 2 Bee prep (Ms. Quesada); Lunch Bunch; Pokémon Club. So why join a club at ESHS or ESMS? Foremost, being involved in a club is a great way to learn outside of the classroom. At the same time, you get to build your resume, which will constantly be improved by the diverse things you do through the club. Getting involved can give you the chance to take on a leadership role in the club to learn more about how to lead people and groups. In turn, these activities will be helpful in demonstrating what you have to offer to future employers and when completing scholarship applications. Finally, as Robin Espinoza, the Director of Activities at El Segundo High School puts it “Through club participation students have an opportunity to explore a variety of interests while deepening their friendships with peers and teachers.” Students, get involved. Invest in your school community. Getting involved has so many benefits. Some you see right away, and others build with time. There is no greater gift than to be involved. • One male adult and one female adult were arrested at 1607 hours from the 800 block of Eucalyptus Drive for burglary, possession of stolen property and attempt petty theft. Attempt Suicide Report- Attempted suicide report was taken at 1643 hours from the 200 block of Maryland Street. Petty theft occurred between 1700 hours and 2000 hours on 09/25/16 in the 100 block of Standard Street. A Huffy cruiser bicycle was stolen. One male adult was arrested at 1949 hours from the 900 block of McCarthy Court for violation of a restraining order • Eagles from page 5 yards. His quickness was just too much for a Spartans defense and Coach Shevlin added that Gray proved that there was no drop off. As good as the offense moved the ball the defense may have outshined them. The offense put up 498 total yards while the defense gave up 64 total yards. The celebration of a lopsided win was shortlived because of the Ocean League opener Friday night at Culver City. The Eagles will enter the game as the top ranked team in the CIF-Southern Section Division 7 while Culver City will be ranked in the ten of the “The Lady Eagles improved to 9-6 on the season with their Ocean League wins over Beverly Hills 25-13, 25-6, 24-26 , 25-20 and a sweep of Lawndale 25-6, 25-13, 25-10.” CIF-SS Division 11 polls. The Centaurs are a young team that has an explosive offense. The Eagle coaching staff will have their team well prepared for a team they’ve had their way with the past two seasons. They also know they’ll have their hands full and defensive coordinator Dan Heck sees the game as a true test for his talented defensive unit. “This is what it’s all about and finding out how good we really are.” The Eagles return home next Friday night October 14 for their Homecoming game versus Beverly Hills. Boys Water Polo The Eagles, who were moved up to the CIF-SS Division 2, found out just how challenging it will be in the post season. They were defeated by two ranked Division 2 teams in non-league games. Palos Verdes pounded the Eagles 17-10 while Crescenta Valley hung on to defeat the Eagles 14-10. Against PV freshman sensation Owen Hale had five goals, while Kelly Reynolds pitched in two goals, and Ryan Winkler and Slate Davis each had one goal. Caden Kastigar did what he could and had 13 saves in the cage. In the game against Crescenta Valley the Eagles spotted the Falcons a 5-0 lead and then had to play catch up before losing. Kelly Reynolds lead the way with four goals, Kyle Crist had three goals, Owen Hale two goals and Nolan Young had one goal. Brett Quesada had nine saves in goal including many from close range. The Eagles participated in the Costa Mesa Tournament. After losing two in a row they got back on the winning track by hammering Santa Ana 16-1. The speed of the Eagles was too much and the defense was stifling. Kalan Smith, Kyle Crist and Kelly Reynolds led the Eagles scoring three goals each. Kyle Parker, Slate Davis and Nolan Young each had two goals to round out the balance scoring for the Eagles. The game against Beckman was a physical one that the Eagles won 11-4. Kelly Reynolds scored four goals to pace the Eagles while Brett Quesada made nine saves. The Eagles faced the host team Costa Mesa one of Orange County’s top teams. The Eagles were playing short-handed due to SAT testing and the Mustangs took advantage with a narrow 11-8 win over the Eagles. Hale led the scoring for the Eagles with four goals and Crist had three goals. Quesada kept his team close with great defense with 11 saves. In the final game of the tournament the Eagles faced Segerstrom. The Jaguars are another top Orange County team but they played a great game and were routinely up on the counter attack.. The Eagles came out on top 16-12. Kyle Crist’s six goals led the Eagles while Owen Hale had five goals, Kalan Smith and Slate Davis had two goals and Nick Allison had one goals. Brett Quesada finished with 12 saves in the cage including four late in the game. The Eagles opened up Ocean League play yesterday against Culver Coity and host Beverly Hills on Friday at 3pm. Girls’ Volleyball The Lady Eagles improved to 9-6 on the season with their Ocean League wins over Beverly Hills 25-13, 25-6, 24-26 , 25-20 and a sweep of Lawndale 25-6, 25-13, 25-10. In the win over Beverly Hills Maddie Kurke had 13 kills while Raquel Hewitt had ten kills. In the sweep of Lawndale Hewitt had five kills while Kurke and Alyssa Pearson had four each. The Eagles, who are 9-6 on the year are 2-1 in Ocean League play and are on the road this week at Hawthorne on Tuesday and at Santa Monica today at 3pm. Next week catch the Eagles in action at home on Tuesday and Thursday both matches start at 3pm. •
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