July 18, 2013 Page 3 Calendar Police Addresses OngOing Saturday, July 20 • Recovery International Meetings, • Movie in the Park, gates open at 6:30 Shooting of ‘Max’ Fridays at 10 a.m., South Bay Mental Health p.m., Edward Vincent Park Amphitheater, Center, 2311 El Segundo Blvd. For more 700 Warren Lane. For more information call information call (310) 512-8112. (310) 412-8880. To All the Members of Force’ analysis group focused on how HawtHOrne Saturday, July 27 our Community to best deal with animal encounters Saturday, July 20 • Library Program: “Super Size Me” and As our public safety service demands, and threats. In this, early collaboration • Good Neighbors Day, 9 a.m.-3 p.m., Healthy Eating Discussion, 12 p.m., Lecture we have continued to address critical offerings will include major stakeholders Hawthorne Civic Center, 126th St. between Hall, Library, 101 W. Manchester Blvd. For aspects involving the highly-publicized such as ‘spcaLA’, ‘The Humane Society Hawthorne Blvd and Grevillea. For more more information call (310) 412-5380. officer-shooting of a Rottweiler dog of the United States’, the Department of information call (310) 349-2906. OngOing ‘Max’. As our City’s intrinsic citizens, Justice’s ‘Community Oriented Policing’ • Ms. Bits N’Bobs visits the Land of • Free Summer Food Service for Youth (18 you know that this Police Department Office and the ‘National Canine Research Imagination, 2-3 p.m. 12700 Grevillea Ave. and under), Jun. 21-Aug. 30, Mon-Fri. For remains accountable to any and all actions Council’. Methodologies, prevention For more information call (310) 679-8193. more information call (310) 412-8750. we undertake. Accordingly, that legal work and force options will be assessed and Saturday, July 27 lawndale began in the days immediately following implemented to offer both officers and • Summer Reading Program: Lizard OngOing the incident and has continued through, animals alike, safer outcomes. Wizard, 2-3 p.m., 12700 Grevillea Ave. • Lawndale Farmers Market, every customarily. In my efforts to ensure Concurrently, our City Attorney’s Office For more information call (310) 679-8193. Wednesday, 2-7 p.m., 147th St. in front of inglewOOd the Lawndale Library. For more information findings are factual and not perceived as will be forwarding the criminal charge tHurSday, July 18 call (310) 679-3306. biased or premeditated, I have already filing related to the dog’s owner to the • Using Census Data for Grant Writing • Commodities Free Food Program, every engaged the following processes: Los Angeles County District Attorney’s Workshop, 9:30 a.m.-12:30 p.m., Lecture Wednesday at 10:00 or until it runs out, I have made request to the Sheriff of Los Office for their separate review and Hall, Inglewood Main Library, 101 W. Community Center, 14700 Burin Ave. For Angeles County to have his Department determination. Manchester Blvd. For more information call more information call (310) 973-3270. conduct an administrative investigation Continue to be assured that even (310) 412-5380. into the formal complaint of actions through this trying and scrutinizing period, People incident in question. service remains preeminent.our commitment to professionalism,accountability and optimum public safetyI have begun assembling a ‘Use ofcommitted by my officers related to the Congratulations - Robert Fager, Chief Of Police Faviola Salcedo, of Hawthorne, earned Child Development, from Union Institute a Bachelor of Science with a focus in & University. • Wiseburn Unification Passes Finance By Dylan Little what it’s about. This has been a movementState Board of Education Credit Access for Stay-at-Home The Wiseburn School Board announced that has gone on for 30 years.” Spouses and Partners Expanded approved by the State Board of Education support of the community, the unificationBoth the Board and Superintendentrecognized that without the dedication andlast week that both the Environmental ImpactReport and narrow area vote plan were By Jason Alderman Fast forward to October 2012, when during the latter’s May 9 meeting. These process wouldn’t have made it this far. “It’s a One of the pitfalls of Congress the CFPB released a proposal that approvals are a major victory for the Wiseburn testament to the preparation that we did and passing complicated, sweeping was expected to ease credit rules for School District as it continues to attempt all steps that we went though to make this legislation is that sometimes stay-at-home spouses or partners. to unify. happen,” said Johnstone. “It’s been a 12-year provisions designed to protect one After six months of public review, the Superintendent Tom Johnstone was present process and it’s a testimony to the perseverance group unexpectedly create hardships CFPB issued a formal amendment to at the State Board meeting and said both items of the community and the perseverance of for others. That’s what happened with the ability-to-pay rule that essentially were easily accepted. Both were approved 10 the people involved in making this happen.” 2009’s Credit Card Accountability says credit card applicants who are at to 0. “We got though both issues in about 15 Board member Roger Banuelos Responsibility Disclosure (CARD) least 21 can factor in a third party’s minutes,” said Johnstone. “The Board was acknowledged the unification supporters Act, which was hailed as legislation that income or assets when applying for credit card very, very complimentary.” that have come before him and the rest of would protect consumers from misleading accounts if there’s a reasonable expectation The District previously had approval to build the currently sitting School Board members. credit practices. they’ll be able to access those funds to make a high school, but a lawsuit sent the Board “I would like to publicly thank everyone Among other things, the CARD Act requires payments. (This includes income of a spouse back to square one. “We were out there in working on unification,” said Banuelos. “It that people under 21 must have an adult co- or partner, although the rule applies to all the exact same situation back in 2004--,the obviously didn’t start with us. There’s been signer in order to open a credit account unless applicants, regardless of marital status.) situation was even better, but it wasn’t one a lot of people--prior boards, administration, they can prove their ability to repay their account Speaking of unintended consequences, that had the infrastructure in place or the community members… they’re part of the balance. This provision was designed to prevent however, remember that even though having foundation in place necessary to prevent it whole effort. They’ve never given up--and young adults from assuming more debt than at least one credit card or loan in your own from being undone,” said Johnstone. “We were having seen this stage, it’s fantastic.” they can afford and then being unable to pay name can help you build a strong credit history, happy for a week or two. Then we had a big For Banuelos the question of whether it off, thereby ruining their credit standing. it’s important to carefully manage all credit lawsuit and everything kind of unraveled.” Wiseburn would unify arose as soon as he So far, so good. accounts on which you’re named – whether as However, Johnstone expects this decision moved to the community. He said he is proud Then, in 2011 the Federal Reserve finalized an individual, cosigner or authorized user – to to be a more permanent resolution. Part of to be part of laying those questions to rest. rules around the CARD Act’s “ability to prevent damage to your credit score. the reason is that Wiseburn has worked to “When I moved into the community, it was pay” provision. It stated that credit card Having a poor credit score can cost a small secure the support of the other districts that one of the big questions, ‘Would we have issuers generally could only consider an fortune over a lifetime. You’ll pay higher rates feed into Centinela Valley Union High School our own high school?’” said Banuelos. “Here applicant’s independent income or assets and have a harder time qualifying for mortgages, District “I think the foundation that we built we are 13 years later seeing the unification before issuing a new card or increasing a credit car loans and credit cards. To maintain – or this time prevented it from unraveling.” said vote will happen in November. We have a limit, not his or her access to the household’s improve – your credit score: Johnstone. “The relationship between the bond to build the new school. Talk about a overall income. Always pay all bills on time. five districts is better now than it’s been in momentous place to be in Wiseburn. I’m An unintended consequence soon emerged: Never exceed credit limits. decades. This is a win-win for everyone.” very proud to be part of it.” As a result of the ability-to-pay rule, many Try to keep your credit utilization ratio (the According to Johnstone, the approval of the With these approvals, one of the last spouses or partners over age 21 who don’t percentage of available credit you’re using) other elementary feeder districts was a key hurdles facing Wiseburn’s unification bid is work outside the home suddenly found they below 30 percent. part of getting the State Board’s approval. an election in November. While the District were unable to open separate credit accounts Don’t automatically close older, unused “We’ve been working hard with the other made the election narrow in scope, it also in their own name, regardless of whether or accounts; 15 percent of your score is based districts over the last two years and that faces the additional challenge of ensuring that not they had access to their working spouse/ on credit history. was the key,” said Johnstone.”It has been voters understand the issue at hand. Johnstone partner’s income. Each time you open a new account there’s obviously a critical factor. If it continued on explained that the ballot will have voters Establishing one’s own credit history is crucial a slight impact on your score, so avoid doing an adversarial track, we wouldn’t have been select members for the Wiseburn Elementary to gaining favorable interest rates and access to so in the months before a major purchase like before of the Board of Education.” School Board (in case unification does not credit, especially when non-working spouses a home or car. Another factor in Wiseburn’s legislative pass) as well as vote on whether to allow get divorced or their spouse dies unexpectedly. Bottom line: Make sure you have credit in victory was the patience and support of the unification and who will be on the Wiseburn Thus many consumers (and their Congressional your own name, in case you ever need to open community surrounding the schools. The Unified School Board. He added that while representatives) were upset. Their displeasure a new account based on your own credit history. Wiseburn community has been working informing the voters will take effort, it is reached the ears of the Consumer Financial Just make sure you don’t overextend yourself towards its own unified school district for something the District has been successful Protection Bureau (CFPB). or mismanage credit you currently have. • 30 years, which Board president Nelson with in the past. “We’re going to have to Martinez recognized is a very long time run an effective campaign of information to to stick with any kind of movement. “This make that whole thing very clear to people, Peace is its own reward. community has waited a long time for this. because it could be very confusing,” said ~ Mahatma Gandhi Martinez. “When you talk about perseverance, had a very good run these last few years, soJohnstone. “The Wiseburn School District hasIt’s fantastic to see us come this far,” said when you talk about sticking with it, this is we should be in very good shape.” •
Lawndale 07_18_13
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