Page 2 May 2, 2013 Calendar Finance Friday, May 3 Friday, May 17 Insurance You Can Probably Do Without• 35th Annual Older Adults Health Fair,• Bach’s Lunch Recital-Pantoum Trio, 12:15-12:45 p.m., Trinity Lutheran Church, 8:30 a.m.-12 p.m., Joslyn Community Center, By Jason Alderman example, monthly premiums increase 1340 Eleventh St. 1601 Valley Drive. For more information call I’m a big believer in having the with your pet’s age, deductibles and • May Friendship Day “Swinging Wide (310) 802-5448. appropriate amount of insurance, copayments are typically higher than the Doors of Hospitality,” 10:30 a.m., Riviera Saturday, May 18 especially when it comes to your for human coverage and there are United Methodist Church, 375 Palos Verdes • 18th Annual Family Campout, 1:30 health and personal liability. But if usually predetermined per-year and Blvd. p.m.- Noon on May 19, Begg Field, 1402 money is tight and you want to get per-condition caps. Plus, preexisting Saturday, May 4 North Peck Ave. For more information call the most bang for your buck, there and hereditary conditions usually are • 33rd District Congressional High School (310) 802-5448. are a few types of insurance you can not covered. Art Competition Exhibit (through May • 2nd Annual Community Movie in the probably do without – or that may Rental car insurance. In most 16), 1-5 p.m., Creative Arts Center, 1560 Park, 7:30 p.m.-9:30 p.m., Polliwog Park duplicate coverage you already have elsewhere: cases, the optional insurance offered by car Manhattan Beach Blvd. Amphitheater, 1601 Manhattan Beach Blvd. Extended warranties. When you buy a car, rental agencies duplicates existing coverage you tueSday, May 7 For more information call (310) 802-5448. appliance or electronic device, the salesclerk already have. However, before automatically • City Council Meeting, 6-11 p.m., City Sunday, May 19 usually will try to sell you an extended warranty. rejecting agency coverage, ask your insurance Council Chambers, 1400 Highland Avenue. • Free 30th Annual Fishing Derby, 8:30- These policies often duplicate coverage already company and credit card issuer whether thurSday, May 9 10:30 a.m., Polliwog Park Pond, 1601 provided in the manufacturer’s warranty. Plus, you are fully covered for rental cars. A few •South Bay Republican Women Federated Manhattan Beach Blvd. For more information many credit cards provide an additional warranty considerations: Monthly Meeting, 11:00 a.m., DoubleTree call David Ibarra at (310) 802-5419. on items purchased with the card. Coverage through your auto policy often Hotel, 2133 Hawthorne Blvd. Reservations: thurSday, May 23 Smartphone insurance. After shelling out big expires after 30 days or less of renting the car. Vera: (310) 320-1431 or Gloria (310) 326-9340. • ARTS Manhattan-“Light Knots” opening bucks for a smartphone, you might be tempted Sports cars, luxury models, SUVs and trucks Saturday, May 11 reception, 6-8 p.m., Manhattan Beach Art •Christopher Goodpasture on piano, 2 p.m., Center, 1560 Manhattan Beach Blvd. For Trinity Lutheran Church, 1340 Eleventh St. more information call (310) 798-4904. “Monthly premiums increase with your pet’s age, deductibles and Classifieds copayments are typically higher than for human coverage and thereare usually predetermined per-year and per-condition caps.” The deadline for Classified Ad submission and payment is Noon on Tuesday to appear in Thursday’s paper. Advertisements must be submitted in writing by mail, fax or email. You may pay by cash, check, or credit card (Visa or M/C over the phone). to buy replacement insurance. Just be aware are often excluded. Errors: Please check your advertisements immediately. Any corrections and/or changes in an ad must be requested prior to the fol- lowing Tuesday deadline in order to receive a credit. A credit will be issued for only the first time the error appears. Multiple runs will that you’ll probably pay a hefty deductible and Travel outside service areas typically is only be credited for the first time the error appears. No credit will be issued for an amount greater than the cost of the advertisement. likely receive a refurbished phone, possibly forbidden – especially across foreign borders Beware: Employment offers that suggest guaranteed out-of-state or overseas positions may be deceptive or unethical in nature. If not even the same model. My advice: Keep or in rough terrain. you have any doubts about the nature of a company, contact the local office of the Better Business Bureau, (213) 251-9696. Herald your old phone to reactivate in case you drop If you don’t carry comprehensive and collision Publications does not guarantee that the advertiser’s claims are true nor does it take responsibility for those claims. or lose the new one. coverage on your own car, your insurance may Flight accident insurance. The risk of dying not cover a rental. Also, ask whether such Schofield Realty 433-4562. Items, Tools and Raffle. All Money in a plane crash is miniscule and already coverage is limited to your own car’s value,Stuff, Clothes, Electronics, Householdof double garage. $2,500/mo. (310) We receive 50 phone calls amonth for employment goes to Charity. Donations Welcome. covered by regular life insurance. Also check since most rentals are new. rental units in town. We need homes & 700 Block West Palm Ave. ES. Sat., your credit card cardholder agreement, since Ask what happens if you violate rental Mgmt. program for Homes & Apartments. Display Ad Sales Position. We yard sale. Seven Families. many cover such accidents for tickets purchased agreement terms (e.g., driving recklessly or5/4, 7 a.m. - 3 p.m. Spring cleaningapartments to lease. Call KEN about our rent El Segundo and Hawthorne. clothes, baby items. to provide economic protection for a person’s take out supplemental health and life insuranceTerritories include Torrance,Specified disease insurance. Some peopleChild life insurance. Life insurance is intended8 - 12:00. No Early Birds! Furniture,Salesperson for Herald Publications. Sat., 5/04,206 W. Oak Ave. ES.310-322-4660allowing unauthorized drivers).with their card.need an experienced Display Ad 1BD/BA. Large Apt. In ES quiet gated Full or part-time positions are House for rent dependents, so unless your children are movie against specific conditions such as cancer, heart building. W/swimming pool, laundry pets. Call Mike at (310) 322-7166. please email your resume to W/D hookups. Avail 6/01, $2800/mo. unnecessary. You can better protect their future you have adequate major medical insurance,skylights, split level, 2 car garage,on all sales. If interesteddisease or stroke. Before buying, make surestars supporting you, this coverage is probably Fireplace, new paint,3BD/2BA.available. 20% commission facility, pond w/ water fall $1,195. No Bright 2BD/2BA. Huge living room. management@heraldpublications. 629 Arena (310) 977-3667. by stowing those monthly premiums in an which already covers such conditions. And garage. Two security parking spaces. 4BD/3BA. ES. Outstanding Family emergency savings account or buying additional carefully review the policy for restrictions.com. No phone calls please. Central air. 1250 sq. ft. Storage bin in 465-9296 eve. or (310) 408-7733. 4927 West Carson Street, Torrance. mo. 835 Dune St. Won’t last, call for Pet insurance. With veterinary treatments won’t pay for outpatient care or cover skinsec. system, Avail June 1. $3700/alesFor example, many cancer insurance policiesterm life insurance for yourself.Home. Two fireplaces, sun room,eGaraG Year lease. $1650/mo. Call: (714) 3BD/2BA. ES. Hardwood floors, W/D, Sat., 5/04, 8 am. to 4 pm. Yard Sale appointment. S & L Property Mgmt. now rivaling human medicine (organ cancer, and impose fixed-dollar limits on Fridge, stove, deck, small yard,1/2 FUNdraiser. Furniture, Baby/Kid’s (310) 765-0998. transplants, chemotherapy, etc.), you could specific procedures. easily spend a small fortune keeping Fido alive. When it comes to your budget – and your Before buying pet insurance, however, compare family’s security – it pays to know which Visit us online: www.heraldpublications.com plan features carefully and weigh the expense insurance is essential and which you can you’d pay out over your pet’s lifetime. For probably skip. • El Segundo Herald* Financial Planning is a Process Not a Product! Manhattan Beach Sun So, Who’s Looking Out For Your Financial Interests? Hawthorne Press Tribune* Inglewood News* Lawndale News* • Retirement Planning Torrance Tribune • 401K Reviews & Portfolio Second Opinions EL SEGUNDO OFFICE •312 E. 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Display Ads: marketing@heraldpublications.com Important Emails editorial@heraldpublications.com For announcements (weddings, engagements, obituaries, calendar), “Letters to the Editor” and subscriptions ESF Financial Planning Group For publication of legal notices other than DBAs@heraldpublications.comlegal Notices Taking you beyond the numbers classifieds@heraldpublications.com A Appointments in Manhattan Beach (310) 706-4123 d Culver City (310 590-4511 For classified ads and Fictitious Business Name (DBAs) publicationsna3214-607)013(hcaeBnattahnaMnistnemtniopp www.ESFplanning.com pressrelease@heraldpublications.com For press releases and submissions for consideration
Manhattan 05_02_13
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