March 22, 2018 Page 7
Do The Math: Homebuying Now May Save A Lot
PUBLIC NOTICES
fOr mOrE dETaILEd INfOrmaTION CaLL 310-322-1830
Fictitious Business
Name Statement
2018032709
The following person(s) is (are) doing
business as XIGGLLO, 1328 MAGNOLIA
AVE, STE D, GARDENA, CA, 90247,
LOS ANGELES COUNTY. Registered
Owner(s): JORDAN BARRIE, 1328
MAGNOLIA AVE, STE D, GARDENA, CA,
90247. This business is being conducted
by an INDIVIDUAL. The registrant
commenced to transact business under the
fictitious business name or names listed
above on: 01/2018. Signed: JORDAN
BARRIE, OWNER. This statement was
filed with the County Recorder of Los
Angeles County on FEBRUARY 7, 2018.
NOTICE: This Fictitious Name Statement
expires on FEBRUARY 7, 2022. A new
Fictitious Business Name Statement must
be filed prior to FEBRUARY 7, 2022.
The filing of this statement does not of
itself authorize the use in this state of a
Fictitious Business Name in violation of
the rights of another under Federal, State,
or Common Law (See Section 14400 ET
SEQ., Business and Professions Code).
EL SEGUNDO HERALD Pub. 3/1, 3/8,
3/15, 3/22/2018 H-1758
Fictitious Business
Name Statement
2018039692
The following person(s) is (are) doing
business as WESCO SIGNS, 2413
AMSLER ST, TORRANCE, CA 90505,
LOS ANGELES COUNTY. Registered
Owner(s): 1) SKYWAY SIGNS, LLC, 2413
AMSLER ST, TORRANCE, CA, 90505,
CA. 2) AIMSI CORPORATION, 2413
AMSLER ST, TORRANCE, CA, 90505,
CA. This business is being conducted by a
GENERAL PARTNERSHIP. The registrant
commenced to transact business under
the fictitious business name or names
listed above on: 02/2018. Signed:
AIMSI CORPORATION, PRESIDENT,
ABDULLAH A. ISSA. This statement was
filed with the County Recorder of Los
Angeles County on FEBRUARY 15, 2018.
NOTICE: This Fictitious Name Statement
expires on FEBRUARY 15, 2023. A new
Fictitious Business Name Statement must
be filed prior to FEBRUARY 15, 2023.
Fictitious Business Name in violation of
the rights of another under Federal, State,
or Common Law (See Section 14400 ET
SEQ., Business and Professions Code).
EL SEGUNDO HERALD: Pub. 3/1, 3/8,
3/15, 3/22/2018 H-1762
Fictitious Business
Name Statement
20180444000
The following person(s) is (are) doing
business as JR’S 405 BODY SHOP,
19520 NORMANDIE AVE, TORRANCE,
CA 90502, LOS ANGELES COUNTY.
Registered Owner(s): 1) GLORIA
MARTINEZ, 19520 NORMANDIE
AVE, TORRANCE, CA, 90502. 2)
JOSE EDGAR MARTINEZ, 19520
NORMANDIE AVE, TORRANCE, CA,
90502. This business is being conducted
by a MARRIED COUPLE. The registrant
commenced to transact business under
the fictitious business name or names
listed above on: NA. Signed: GLORIA
MARTINEZ, OWNER. This statement
was filed with the County Recorder of Los
Angeles County on FEBRUARY 22, 2018.
NOTICE: This Fictitious Name Statement
expires on FEBRUARY 22, 2023. A new
Fictitious Business Name Statement must
be filed prior to FEBRUARY 22, 2023.
Fictitious Business Name in violation of
the rights of another under Federal, State,
or Common Law (See Section 14400 ET
SEQ., Business and Professions Code).
EL SEGUNDO HERALD: Pub. 3/1, 3/8,
3/15, 3/22/2018 H-1763
Fictitious Business
Name Statement
2018040793
The following person(s) is (are) doing
business as 1) ONENINTH MEDIA,
126 MARYLAND ST, EL SEGUNDO,
CA, 90245, LOS ANGELES COUNTY.
2) ONENINTH, P. O. BOX 3011, EL
SEGUNDO, CA, 90245. Registered
Owner(s): ONENINTH LLC, 126
MARYLAND ST, EL SEGUNDO, CA,
90245, CA. This business is being
conducted by a LIMITED LIABILITY
COMPANY. The registrant commenced
to transact business under the fictitious
business name or names listed above
on: 01/2013. Signed: ONENINTH LLC,
PRESIDENT, JASON HAFFLEY. This
statement was filed with the County
Recorder of Los Angeles County on
FEBRUARY 16, 2018.
NOTICE: This Fictitious Name Statement
expires on FEBRUARY 16, 2023. A new
Fictitious Business Name Statement must
be filed prior to FEBRUARY 16, 2023.
Fictitious Business Name in violation of
the rights of another under Federal, State,
or Common Law (See Section 14400 ET
SEQ., Business and Professions Code).
EL SEGUNDO HERALD: Pub. 3/1, 3/8,
3/15, 3/22/2018 H-1764
Fictitious Business
Name Statement
2018045893
The following person(s) is (are) doing
business as 1) CROSSROADS
INSTITUTE, 2601 AIRPORT DRIVE
SUITE 135, TORRANCE, CA, 90505,
LOS ANGELES COUNTY. 2) CIPA,
2601 AIRPORT DRIVE, SUITE 135,
TORRANCE, CA, 90505. Registered
Owner(s): CROSSROADS INSTITUTE
FOR PSYCHOTHERAPY AND
ASSESSMENT, INC., 2601 AIRPORT
DRIVE SUITE 135, TORRANCE, CA,
90505. This business is being conducted
by a CORPORATION. The registrant
commenced to transact business under
the fictitious business name or names
listed above on: 06/2013. Signed:
CROSSROADS INSTITUTE FOR
PSYCHOTHERAPY AND ASSESSMENT,
INC., PRESIDENT, SONI KIM MONROE
PSY.D.. This statement was filed with the
County Recorder of Los Angeles County
on FEBRUARY 23, 2018.
NOTICE: This Fictitious Name Statement
expires on FEBRUARY 23, 2023. A new
Fictitious Business Name Statement must
be filed prior to FEBRUARY 23, 2023.
Fictitious Business Name in violation of
the rights of another under Federal, State,
or Common Law (See Section 14400 ET
SEQ., Business and Professions Code).
EL SEGUNDO HERALD: Pub. 3/8,
3/15, 3/22, 3/29/2018 H-1765
Fictitious Business
Name Statement
2018048745
The following person(s) is (are) doing
business as 1) DOPE GREETINGS, 4928
WEST 138TH STREET, HAWTHORNE,
CA, 90250, LOS ANGELES COUNTY.
Registered Owner(s): 1) MICHELLE
MESKILL, 4928 WEST 138TH STREET,
HAWTHORNE, CA, 90250. 2) CHRISTINE
COMSTOCK, 4928 WEST 138TH
STREET, HAWTHORNE, CA, 90250-
6543. This business is being conducted
by a GENERAL PARTNERSHIP. The
registrant commenced to transact
business under the fictitious business
name or names listed above on: 02/2018.
Signed: MICHELLE MESKILL, PARTNER.
This statement was filed with the County
Recorder of Los Angeles County on
FEBRUARY 27, 2018.
NOTICE: This Fictitious Name Statement
expires on FEBRUARY 27, 2023. A new
Fictitious Business Name Statement must
be filed prior to FEBRUARY 27, 2023.
Fictitious Business Name in violation of
the rights of another under Federal, State,
or Common Law (See Section 14400 ET
SEQ., Business and Professions Code).
HAWTHORNE PRESS TRIBUNE Pub.
3/8, 3/15, 3/22, 3/29/2018 HH-1766
Fictitious Business
Name Statement
2018052773
The following person(s) is (are) doing
business as HW GROUP, 512 ½ N
HELBERTA AVE, REDONDO BEACH,
CA, 90277 LOS ANGELES COUNTY.
Articles of Incorporation or Organization
Number (if applicable) AI#ON C3170713.
Registered Owner(s): HW GROUP INC.,
512 ½ N HELBERTA AVE, REDONDO
BEACH, CA, 90277, CA. This business
is being conducted by a CORPORATION.
The registrant commenced to transact
business under the fictitious business
name or names listed above on: 02/2018.
Signed: HW GROUP INC., OWNER,
HAJIME NAKAJIMA. This statement was
filed with the County Recorder of Los
Angeles County on MARCH 2, 2018.
NOTICE: This Fictitious Name Statement
expires on MARCH 2, 2023. A new
Fictitious Business Name Statement must
be filed prior to MARCH 2, 2023. Fictitious
Business Name in violation of the rights of
another under Federal, State, or Common
Law (See Section 14400 ET SEQ.,
Business and Professions Code).
EL SEGUNDO HERALD Pub.
3/15, 3/22, 3/29, 4/5/2018 H-1767
(BPT) - It is a common misconception that
a 20 percent down payment is required to buy
a home. Advice to wait and save a large down
payment is often based on the theory that the
cost of mortgage insurance (MI), which is
required when you buy with a smaller down
payment, should be avoided. This may not
be the best advice and is, in fact, not in line
with market trends, considering 60 percent
of homebuyers buy with a down payment of
6 percent or less, according to the National
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Finance
Association of Realtors.
Yes, you can qualify for a conventional
mortgage with a down payment as small as
3 percent of the purchase price. It is also true
that you can reduce your monthly mortgage
payment by paying for discount points at
closing, but that can be 5 or 10 percent of the
purchase price - not 20. And because every
buyer’s situation is unique, it’s important to
do the math. In today’s market, it could take
a family earning the national median income
up to 20 years to save 20 percent, according to
calculations by U.S. Mortgage Insurers using
a methodology developed by the Center for
Responsible Lending; a lot can change during
that time, in the family’s personal finances and
in overall mortgage market trends.
How can buying now save you money later?
Consider you want to purchase a $235,000
home. A 5 percent down payment is $11,750
versus $47,000 in cash for 20 percent down.
With a 740 credit score at today’s MI rates,
your monthly MI payment would be about
$110, which is added to your monthly mortgage
payment until MI cancels. MI typically
cancels after five years; therefore, you will
only have this added cost for a short period
of time versus waiting an average of 20 years
to save for 20 percent.
With home price appreciation, today’s
$235,000 home will likely cost more in the
years ahead and this will also have an impact
on the necessary down payment and length of
time required to save for it. There are other
variables in the equation too, such as interest
rates. As federal rates rise, so too can the
costs associated with financing a mortgage.
The savings a borrower might calculate today
could be altogether negated by waiting even
a few more years. Another factor is that rents
are on the rise across the nation, leading to a
reduced capacity for many would-be homebuyers
to save for larger down payments.
If you decide to buy today with a low down
payment mortgage option, it is true that MI
is an added cost on top of mortgage principal
and interest, but keep in mind that it is temporary
and goes away. Again, it typically lasts
about five years. Private MI can be cancelled
once a homeowner builds approximately 20
percent equity in the home through payments
or appreciation and automatically terminates
for most borrowers once he or she reaches
22 percent equity. And when MI is cancelled,
the monthly bill goes down. Importantly, the
insurance premiums on an FHA mortgage -
the 100 percent taxpayer-backed government
version of mortgage insurance - cannot be
cancelled for the vast majority of borrowers
with FHA mortgages.
So, do the math and let the numbers
guide you. There are many online mortgage
calculators that can help. Check out lowdownpaymentfacts.
org to learn more. •
PUBLIC NOTICES
CITY OF INGLEWOOD, CALIFORNIA
REQUEST FOR BIDS
City Hall 8th Floor Legal Department
Ceiling, Lighting, and VAV Boxes (HVAC)
Upgrade
RFB–0102
BIDS DUE:
Wednesday, April 11, 2018 by 11:15 A.M.
AT THE OFFICE OF
CITY CLERK LOCATED ON THE 1ST
FLOOR
OF INGLEWOOD CITY HALL
One Manchester Blvd.
Inglewood, CA 90301
MANDATORY PRE-BID
CONFERENCE and site walk is scheduled
for April 4, 2018 at 10:00 a.m.
Please meet at City Hall, First (1st) Floor,
Information Booth, One West Manchester
Blvd., Inglewood, California 90301
THE CITY WILL ONLY ACCEPT BIDS
FROM THE BIDDERS ATTENDING
THE PRE-BID CONFERENCE MEETING
AND SITE WALK
Contact Person During Bid Period:
Michael H. Tate, Purchasing and Contract
Services Manager
(310) 412-5266
RFB-0102
CITY OF INGLEWOOD
INVITATION TO SUBMIT BIDS
(Specifications and Conditions Governing
Award)
The City of Inglewood invites and will receive
bids duly filed as provided herein for the
furnishing of qualified City Hall 8th Floor Legal
Department Ceiling, Lighting, and VAV Boxes
(HVAC) Upgrade as specified in this document.
Each bid shall be submitted and completed in
all particulars and must be enclosed in a sealed
envelope addressed to the City of Inglewood,
Office of the City Clerk, Inglewood City Hall
1st Floor, with the designation of the project
City Hall 8th Floor Legal Department Ceiling,
Lighting, and VAV Boxes (HVAC) Upgrade
appearing thereon.
A BID BOND , PERFORMANCE AND
PAYMENT BOND ARE REQUIRED
A MANDATORY PRE-BID CONFERENCE
AND SITE WALK, SCHEDULED FOR
10:00 A.M., ON April 4, 2018. PLEASE
MEET AT INGLEWOOD CITY HALL, ONE
MANCHESTER BLVD., INGLEWOOD, CA
90301, INFORMATION BOOTH 1ST FLOOR.
THIS MEETING IS MANDATORY AND
THOSE WHO SUBMIT BIDS WITHOUT
ATTENDING THE PRE-BID CONFERENCE
AND SITE WALK WILL BE DEEMED NONRESPONSIVE
AND THEIR BIDS WILL NOT
BE OPENED.
THERE IS A TEN (10) MINUTE GRACE
PERIOD. ANYONE ARRIVING AFTER 10:10
WILL NOT BE ALLOWED TO PARTICIPATE
IN THIS BID PROCESS.
Bids will be opened in public, on April 11,
2018 at 11:15am. in the Office of the City
Clerk and will be announced then and there
to all persons present. Specifications and other
bid documents for the above service are on
file in the Purchasing Division, and may be
obtained upon request.
The City Council reserves the right to waive any
minor irregularities in any bids, and to take bids
under advisement for a period not to exceed
sixty (60) days from and after the date bids
are opened and announced.
The following conditions and terms apply:
The City Council reserves the right to reject
any or all bids.
Attached are detailed specifications and conditions
for bid submission.
You must execute your contract within ten (10)
days after the City mails it. If the contract is not
executed within ten (10) days, the City reserves
the unilateral right to cancel it.
If any provisions of the contract are violated,
the City, after suitable notice, may cancel the
contract and make arrangements to have the
products and or services supplied by
others. Any extra cost to the City will be paid
by the bidder.
Bids may be obtained from the Purchasing
Division located on the 8th floor of City Hall, or
call (310) 412-5266. Bids will also be posted
on the City website.
All bids must be for specific amounts. Any
attempt to qualify prices with an ‘escalation
clause’ or any other method of making a
price variable, is unacceptable. Bid shall be
valid until sixty (60) days after the date the
bids are opened and announced.
The City reserves the right to add or subtract
quantities and/or services based on the unit
prices/unit lump sums so indicated as its
budgetary needs may require.
Date: March 22, 2018____
Artie Fields, City Manager
Inglewood Daily News Pub. 3/22/18
HI-25940