EL SEGUNDO HERALD December 31, 2020 Page 7
Finance
Ways To Protect Your Finances And Investments In 2021
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(BPT) - Finances are consistently a top
concern for many Americans, with “saving
money” a top-10 most common New Year’s
resolution. This year, Americans are more
concerned than ever before due to the uncertainty
created by the COVID-19 pandemic.
USE Credit Union reported that more than
75% of non-transactional calls received since
the start of the pandemic were from members
concerned about their financial future, citing
economic hardship as the primary reason for
concern. The economy and job market remain
in a state of constant flux, which is causing
many families to worry about their ability to
pay an unexpected bill, continue to pay off
student loans, mortgages or credit card debt,
or save money for the future.
“Saving money is more than just putting spare
change into a coffee can, or simply ordering
takeout less often,” said Jeff Schroeder, vice
president and chief product officer at Mercury
Insurance. “Sure, those things can add up over
time, but people may find that their greatest
savings can come from taking a look at the
necessary expenses they pay for every month,
such as insurance.”
Schroeder recommends these four tips to
help protect your finances in the coming year:
1) Check your auto insurance coverages.
There’s no reason to pay for more coverage
than you need, but being underinsured can
leave you exposed. “The cost of repairs after
a collision has grown in recent years, both
as a result of more crossovers and SUVs on
the road, and more technologically advanced
vehicles,” said Schroeder. “Beyond paying for
more expensive repairs if your insurance doesn’t
cover it, if you’re underinsured, you may also
be responsible for paying out of pocket for
medical bills, which could potentially devastate
savings for a down payment on a house, your
child’s college tuition or a future vacation. It’s
vitally important to make sure you have the
right amount of auto insurance coverage to
protect against unforeseen events.”
2) Know what your homeowners insurance
covers. First and foremost, be sure to read
your homeowners insurance policy so you’re
clear about what it does and doesn’t cover. It’s
a good idea to check in with your insurance
agent each year to ensure you have adequate
coverage, especially if you’ve made renovations,
own collectible or valuable items, or live in an
area that’s prone to flooding or earthquakes,
as standard homeowners insurance policies
typically don’t cover these situations. Also,
maintain a home inventory to make sure to
have an accurate record of your belongings
and property.
3) Be aware of potential gaps in coverage.
A standard homeowners insurance policy
often doesn’t cover mechanical failures to
your home’s appliances, HVAC or other essential
systems, nor does it cover a break to
service lines on your property that supply your
home with electricity, gas or sewer functions.
In either of these scenarios, this means you
would be responsible for writing a big check
to a repair company or having to purchase
a pricy replacement. However, adding home
systems protection and service line protection
endorsements can help provide coverage for
costly repairs and replacements, saving money
and your peace of mind. Pennies spent now
can save you thousands of dollars later.
4) Regularly shop for the best coverage and
price. Insurance prices can vary significantly
from company to company, so it’s a good idea
to take a few minutes to see if you’re getting
a good deal. Shop around at least once a
year - making sure to look for the exact same
coverage limits - to see if you can find a more
affordable rate.
“Often, regional insurers like Mercury Insurance
are more attuned to their policyholders’
needs and can offer better rates,” Schroeder
added. “For example, the California Department
of Insurance found that Mercury auto insurance
policyholders save an average of $670, which
can go a long way in feeling more secure in
your savings.”
The most effective way to make sure your
finances are minimally impacted by insurance
costs in 2021 is to speak to an independent
insurance agent. They can help make sure
you have the proper amount and type of
coverage to keep yourself, your family and
property protected. •
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Order to Show Cause
for Change of Name
Case No. 20TRCP00275
Superior Court of California, County of
LOS ANGELES
Petition of: ROBERT JOHN GUILFORD
AND MICHELE ELIZABETH
NEJSTGAARD GUILFORD for Change
of Name
TO ALL INTERESTED PERSONS:
Petitioner ROBERT JOHN GUILFORD
AND MICHELE ELIZABETH
NEJSTGAARD GUILFORD filed a
petition with this court for a decree
changing names as follows:
OLIVIA TOVE GUILFORD to
OLIVIA TOVE NEJSTGAARD
GUILFORD
SOPHIA CHRISTINA GUILFORD to
SOPHIA CHRISTINA NEJSTGAARD
GUILFORD
The Court orders that all persons
interested in this matter appear before
this court at the hearing indicated
below to show cause, if any, why the
petition for change of name should not
be granted. Any person objecting to the
name changes described above must
file a written objection that includes the
reasons for the objection at least two
court days before the matter is scheduled
to be heard and must appear at the
hearing to show cause why the petition
should not be granted. If no written
objection is timely filed, the court may
grant the petition without a hearing.
Notice of Hearing:
Date: 1-22-21 Time: 9:00 AM., Dept.: B,
Room: 340
The address of the court is:
825 MAPLE AVE, Room 100
TORRANCE, CA 90503
A copy of this Order to Show Cause
shall be published at least once each
week for four successive weeks prior to
the date set for hearing on the petition
in the following newspaper of general
circulation, printed in this county:
EL SEGUNDO HERALD
Date: 12/01/2020
HON. GARY TANAKA
Judge of the Superior Court
El Segundo Herald Pub. 12/10, 12/17,
12/24, 12/31/20
H-26975
Order to Show Cause
for Change of Name
Case No. 20TRCP00274
Superior Court of California, County of
LOS ANGELES
Petition of: OWEN MONTGOMERY
GUILFORD for Change of Name
TO ALL INTERESTED PERSONS:
Petitioner OWEN MONTGOMERY
GUILFORD filed a petition with this court
for a decree changing names as follows:
OWEN MONTGOMERY GUILFORD to
OWEN MONTGOMERY NEJSTGAARD
GUILFORD
The Court orders that all persons
interested in this matter appear before
this court at the hearing indicated
below to show cause, if any, why the
petition for change of name should not
be granted. Any person objecting to the
name changes described above must
file a written objection that includes the
reasons for the objection at least two
court days before the matter is scheduled
to be heard and must appear at the
hearing to show cause why the petition
should not be granted. If no written
objection is timely filed, the court may
grant the petition without a hearing.
Notice of Hearing:
Date: 1-22-21, Time: 9:00 AM., Dept.: B,
Room: 340
The address of the court is:
825 MAPLE AVE, Room 100
TORRANCE, CA 90503
A copy of this Order to Show Cause
shall be published at least once each
week for four successive weeks prior to
the date set for hearing on the petition
in the following newspaper of general
circulation, printed in this county:
EL SEGUNDO HERALD
Date: 11/30/2020
HON. GARY TANAKA
Judge of the Superior Court
El Segundo Herald Pub. 12/10, 12/17,
12/24, 12/31/20
H-26976
Order to Show Cause
for Change of Name
Case No. 20TRCP00251
Superior Court of California, County of
LOS ANGELES
Petition of: YAZMIN GONZALEZ for
Change of Name
TO ALL INTERESTED PERSONS:
Petitioner YAZMIN GONZALEZ filed
a petition with this court for a decree
changing names as follows:
YAZMIN GONZALEZ to JESUS
LLASMIN IVONE GONZALEZ PADILLA
The Court orders that all persons
interested in this matter appear before
this court at the hearing indicated
below to show cause, if any, why the
petition for change of name should not
be granted. Any person objecting to the
name changes described above must
file a written objection that includes the
reasons for the objection at least two
court days before the matter is scheduled
to be heard and must appear at the
hearing to show cause why the petition
should not be granted. If no written
objection is timely filed, the court may
grant the petition without a hearing.
Notice of Hearing:
Date: 1/22/21, Time: 9:00 AM., Dept.: M,
Room: 350
The address of the court is:
825 MAPLE AVE
TORRANCE, CA 90503
A copy of this Order to Show Cause
shall be published at least once each
week for four successive weeks prior to
the date set for hearing on the petition
in the following newspaper of general
circulation, printed in this county:
EL SEGUNDO HERALD
Date: 12/04/2020
HON. DEIRDRE HILL
Judge of the Superior Court
El Segundo Herald Pub. 12/10, 12/17,
12/24, 12/31/20
H-26979
NOTICE INVITING SEALED BIDS
FOR THE
CITY HALL WINDOW REPLACEMENT
PROJECT
IN THE CITY OF EL SEGUNDO
PROJECT NO.: PW 21-04
The City of El Segundo is accepting
sealed bids in the City Clerk’s office,
350 Main Street, El Segundo, California
90245, until 11:00 a.m. on:
TUESDAY, FEBRUARY 2, 2021
at which time they will be publicly opened.
Bids will not be accepted after that time.
As described in the Bidding Documents,
the bids are for a public works project
(“Project”) which consists of furnishing
all supervision, materials, labor, tools
and incidentals, as required in the
specifications and contract documents
for the following project: “City Hall
Window Replacement Project”, on file
with the City’s Public Works Department.
The work will take place at City Hall, at
350 Main Street, El Segundo CA, 90245.
Work on the Project must be performed
in strict conformity with Specifications
No. PW 21-04: City Hall Window
Replacement Project which is filed with
the Public Works Department.
Copies of the Plans, Specifications,
Contract Documents and Engineer’s
estimate are available from the
Engineering Division of the Public Works
Department, City of El Segundo, 350
Main Street, El Segundo, California,
90245. Plans And Specifications are
alternately available electronically via
https://www.elsegundo.org/government/
departments/city-clerk/bid-rfp
A pre-bid meeting is scheduled for
Tuesday, January 12, 2021, at 10:00 am,
at City Hall, 350 Main Street, El Segundo,
CA 90245. Bidders’ attendance at this
meeting is mandatory. Questions
regarding the bid shall be submitted by
5:00 pm on Tuesday, January 26, 2021 to
https://www.elsegundo.org/government/
departments/city-clerk/bid-rfp
The terms and conditions for bidding on
the Project are described in the attached
Bidding Instructions.
This project requires payment of State
prevailing rates of wages for Los Angeles
County. The contractor must post copies
of the prevailing schedule at each job
site. Copies of these rates of wages
are available from the State of California
Department of Industrial Relations
Prevailing Wage Unit, Telephone No.
(415) 703-4774. The website for this
agency is currently located at www.dir.
ca.gov.
Note that the Project is subject to
compliance monitoring and enforcement
by California Department of Industrial
Relations. Pursuant to California law, the
City must find bids failing to comply with
all applicable Labor Code requirements
including, without limitation, Labor
Code §§ 1725.5 and 1771.4 to be
nonresponsive.
The contractor to whom the contract
is awarded must assist in locating,
qualifying, hiring and increasing the
skills of minority group employees and
applicants for employment, as set forth in
Executive Order 11246 and 11375.
Any contract entered into pursuant to
this notice will incorporate the provisions
of the State Labor Code. Compliance
with the prevailing rates of wages and
apprenticeship employment standards
established by the State Director of
Industrial Relations will be required.
Affirmative action to ensure against
discrimination in employment practices
on the basis of race, color, national
origin, ancestry, sex, or religion will also
be required.
The City of El Segundo hereby
affirmatively ensures that minority
business enterprises will be afforded full
opportunity to submit bids in response to
this notice and will not be discriminated
against on the basis of race, color,
national origin, ancestry, sex, or religion
in any consideration leading to the award
of contract.
Prevailing Wage: Federal Labor
Standards Provisions, including
prevailing wage requirements of the
Davis-Bacon and Related Acts will
be enforced. In the event of a conflict
between Federal and State wage rates,
the higher of the two will prevail.
The Contractor’s duty to pay State
prevailing wages can be found under
Labor Code Section 1770 et. Seq.
and Labor Code Sections 1775 and
1777.7 outline the penalties for failure
to pay prevailing wages and employ
apprentices including forfeitures and
debarment.
Five percent (5%) will be deducted from
each progress payment and retained by
the City. The remainder less the amount
of all previous payments will be paid
to the Contractor. Pursuant to Public
Contracts Code (“PCC”) § 22300, the
Contractor may substitute securities
for retention monies held by the City or
request that the City place such monies
into an escrow account. The Contractor
is notified, pursuant to PCC § 22300, any
such election will be at the Contractor
own expense and will include costs
incurred by the City to accommodate the
Contractor’s request.
In entering into a Public Works contract,
or a subcontract, to supply goods,
services, or materials pursuant to a public
works contract, the Contractor, or Sub-
Contractor, offers and agrees to assign
to the awarding body all rights, title and
interest in, and to, all causes of action it
may have under Section 4 of the Clayton
Act (15 U.S.C. Section 15) or under the
Cartwright Act (Chapter 2 [commencing
with Section 16700] of Part 2 of Division
7 of the Business and Professions Code),
arising from purchases of goods, services,
or materials pursuant to the public
works contract or the subcontract. This
assignment shall be made and become
effective at the time the awarding body
tenders final payment to the Contractor,
without further acknowledgment by the
parties.
Bids must be prepared on the approved
Proposal forms in conformance with the
Instructions to Bidders and submitted to
the Public Works Department, 350 Main
Street, City of El Segundo, in a sealed
envelope plainly marked on the outside:
“SEALED BIDS FOR PROJECT NO.:
PW 21-04
CITY HALL WINDOW REPLACEMENT
PROJECT
IN THE CITY OF EL SEGUNDO
DO NOT OPEN WITH REGULAR
MAIL”
No bid will be accepted from a
Contractor who has not been licensed
in accordance with the provisions of the
State Business and Professions Code.
For these projects, those acceptable
classes of license shall be “B” or “C-17”.
The successful Contractor and his Sub-
Contractors will be required to possess
the correct license for their project
classifications, and valid City Business
Licenses from the City of El Segundo.
The City of El Segundo reserves the
right to reject any or all bids, to waive
any irregularity, and to take all bids under
advisement for a period of ninety (90)
calendar days.
Any contract entered into pursuant
to this notice shall become effective
or enforceable against the City of El
Segundo only when the formal written
contract has been duly executed by the
appropriate officer(s) of the City of El
Segundo.
DATED this 16th day of December, 2020.
CITY OF EL SEGUNDO, CALIFORNIA
Tracy Weaver, City Clerk
El Segundo Herald Pub. 12/24,
12/31/20
H-26987