California Boat Loans – Tinigard http://tinigard.info/ Sat, 25 Sep 2021 01:37:48 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://tinigard.info/wp-content/uploads/2021/05/default1-150x150.png California Boat Loans – Tinigard http://tinigard.info/ 32 32 National LGBT Chamber of Commerce and Grubhub partner with grants https://tinigard.info/national-lgbt-chamber-of-commerce-and-grubhub-partner-with-grants/ https://tinigard.info/national-lgbt-chamber-of-commerce-and-grubhub-partner-with-grants/#respond Fri, 24 Sep 2021 21:15:39 +0000 https://tinigard.info/national-lgbt-chamber-of-commerce-and-grubhub-partner-with-grants/ After a nearly 3-month hiatus, Los Angeles allows businesses to reopen and owners are hoping the crowds will return. (Photo provided by the City of West Hollywood) Feeling the pressure of a struggling economy, West Hollywood businesses are eager to finally reopen, after several weeks of shutdowns. Amid new safety rules, the long-term effects of […]]]>

After a nearly 3-month hiatus, Los Angeles allows businesses to reopen and owners are hoping the crowds will return. (Photo provided by the City of West Hollywood)

Feeling the pressure of a struggling economy, West Hollywood businesses are eager to finally reopen, after several weeks of shutdowns. Amid new safety rules, the long-term effects of the Covid-19 pandemic and recent civil unrest have resulted in a mixture of fear and uncertainty within the community,

“I’m excited for our businesses, but I’m also worried about them,” said Genevieve Morrill, President and CEO of the West Hollywood Chamber of Commerce. “While it seems almost impossible to move forward without fearing the pandemic or fear of looters, many are. “

Morrill is concerned that Weho establishments will be able to handle all the protocol necessary to keep employees and the public safe, and at the same time break even and not incur more losses.

“Nonetheless, I am happy that there are many businesses that can start to generate income.

They were closed for months, only to reopen one day and close again due to threats of vandalism, ”she noted.

“Walks and demonstrations are necessary and our company supports the Black Lives Matter movement and wants to get involved. But they are also stretched to the maximum – they need immediate relief.

Morrill hopes more jobs will come to the area.

“Some companies have received PPP loans allowing them to rehire. With the recent amendment to the PPP loan policy, this is a much needed adjustment to allow rehiring, ”she said.

Weho Bars, Restaurants, Jobs

Wendy Tuttle.

Restaurants and bars in West Hollywood are opening with cautious optimism, warns hospitality recruiter Wendy Tuttle.

“They will assess demand and hire / bring back staff as appropriate. Most are chomping at the bit to get back to work. There are others who may have underlying health issues or live with family members who might be reluctant to return for fear of contracting Covid-19. “

Tuttle customers are “eagerly awaiting” these calls to return to work.

“My people want to hear ‘we are open’. We have all the plans in place to ensure your safety and that of your guests. so they can get back to work, do what they love: create great food, while providing an amazing experience with their friends, family and community.

Restaurants like Conservatory are planning to fully open their premises, with a full menu of food and drink, waiters, host / hostess.

“Conservatory is delighted to reopen to the community and take all measures to ensure the safety of our employees and guests,” said owner Paul Kalt.

Kait feels “lucky” that the restaurant’s street side cafe with a pick-up window has been opened.

“This has allowed customers to keep their daily routine for coffee, cocktails and food, take out and delivery. Although we have greatly lacked in all of our catering capabilities, we have been able to maintain continuous service and as much of a sense of normalcy as possible in these unprecedented times. “

For Pride Month, Conservatory has created special cocktails for the month of June. For their For The Love Wins package – the six cocktails offered in a $ 70 package – a percentage of the proceeds will be donated to the Human Rights Campaign.

George Figares, Managing Director of Fiesta Cantina Weho is also delighted to be back. “WeHo has been dark for too long and we’re happy to bring Fiesta back to WeHo! They offer a happy hour from 4 to 8 p.m. everyday.

The comfort of the guests is the number one priority of Figares.

“First and foremost, public safety is our top priority. Ensuring everyone’s safety throughout our reopening is essential. We want everyone to come out and enjoy the community, but in a way that doesn’t encourage the spread of the pandemic. “

Fiesta Cantina has the most delicious nachos. (Photo by Susan Hornik)

He continued, “We hope that by following the strict guidelines set by state and county health departments, we can operate in a manner that is safe for our employees and guests.”

Many bars in West Hollywood have found a way to open up, serve food, and adhere to social distancing rules. Rocco’s, The Abbey, Beaches, Fiesta Cantina and others have reopened with social distancing rules in place and food as the centerpiece.

David Cooley, owner of famous West Hollywood bar and restaurant The Abbey, was on hand to greet guests on the first day of activity after the lockdown. (Photo by Troy Masters)

David Cooley recently told the Los Angeles Blade, “We scan everyone’s temperature, need masks, and have social distancing table rules in place,” he said.

On a recent mid-day stroll through WeHo, every bar we visited also strictly enforced the new rules. But the crowds are huge. At least one of these companies has been cited for its overcapacity since the implementation of the new reduced enumeration rules.

Weho Stores

“RJ Holguin, director of marketing and outreach at My 12 Step Store, has mixed feelings about reopening the Weho businesses.

“I am for it but I think it is better to move forward with a lot of caution. People are so eager to get out that they are willing to take a risk, ”said Holguin.

RJ Holguin (Photo by Paulo Murillo)

The store remained open online and it was Holguin’s saving grace.

“We are now open to in-store purchase with all guidelines, but we still recommend that people order online and pick up or use our curbside service. It is very difficult to keep in-store shopping with regulations and operate with fewer employees.

Last summer, the store was expanded to provide a better shopping experience.

“In order to meet our expectations, we needed to increase our in-store sales by 30%, which we started doing during the holiday season. But at the end of March, we were losing 100% of our in-store sales due to the shutdown, which was a huge financial blow, ”said Holguin.

While it’s been “a year of lemons,” Holguin has consistently found ways to make happy lemonade.

“We posted a weekly blog post on the emotional effects on 12-step recovery and offered free reunion chips to newcomers to the area. Our Facebook page contains constant updates on our outreach program, ”he said proudly.

During the Black Lives Matters protests, Holguin and his team painted supportive graffiti on their store. Protesters stopped to take photos and offered words of support.

West Hollywood dogs have yet to get the green light to play together, but grooming services are available at daycares like Dog-E-Den.

“We miss our staff, our customers and the dogs we have come to know and love to take care of,” said owner Gene Barash.

The pandemic made operation impossible for about two months, and Barash had to shut down the store completely. “We started to reopen with reduced days / hours, but then the protests forced us to close for a few days. Fortunately they were very quiet after the first few days so we reopened yesterday. We have a fairly high level of confidence that the protests will not have a disruptive impact on our business. “

Over the past 3 months, Barash has received a lot of calls and emails from clients letting them know they are eagerly awaiting the daycare reopening and eager to be able to bring their dogs back.

“We really appreciate their support and encouragement and we consider ourselves lucky to have such positivity from our community, especially in these incredibly difficult times.”

Gyms haven’t been able to open yet, but Brendon Ayanbadejo, President of Fitness at West Coast Fitness, the franchisee of Orangetheory Fitness, has been working hard to get his studios ready.

“We are looking forward to opening our Weho studio and the rest of our locations across California. The health and safety of our team and members is always our number one priority. We also know that health, fitness, physical activity and community are essential for a healthy immune system and mental health. So we feel excited and ready to get people back to doing what they love once we get the green light. “

The state of California last week announced guidelines for a 6/12 state reopening date for gyms and fitness studios.

“However, the county decides when we will be allowed to open, based on their assessment of health, risk, etc.” he explained. “We are digesting state guidelines and waiting to hear from health and county government officials on specific dates when we will be allowed to open each studio.”

Economically, closing their business has of course been a challenge, said. Ayanbadejo. “But, we are in the same boat as so many others. Beyond any economic impact of the pandemic and especially here in our Los Angeles home, the pro-Black Lives Matter protests have uplifted our community and opened our collective eyes to the role and responsibility we need to play.


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What Newsom’s Orange County win says about 2022 https://tinigard.info/what-newsoms-orange-county-win-says-about-2022/ https://tinigard.info/what-newsoms-orange-county-win-says-about-2022/#respond Thu, 23 Sep 2021 17:51:57 +0000 https://tinigard.info/what-newsoms-orange-county-win-says-about-2022/ Orange County – despite its historic associations with famous erstwhile conservatives including Richard Nixon, Ronald Reagan and John Wayne – has not been a Republican stronghold for years. In 2016, the headlines trumpeted that Hillary Clinton turned Orange County blue during the presidential election. In 2018, my colleagues wrote that Democrats knocked down four seats […]]]>

Orange County – despite its historic associations with famous erstwhile conservatives including Richard Nixon, Ronald Reagan and John Wayne – has not been a Republican stronghold for years.

In 2016, the headlines trumpeted that Hillary Clinton turned Orange County blue during the presidential election. In 2018, my colleagues wrote that Democrats knocked down four seats in the Orange County Congress, a sweep that turned Democratic “a Republican stronghold”.

Of course, 2020 has shown that these statements may have been premature: the county chose President Biden over former President Donald J. Trump, but two of those congressional districts returned to Republican control with the victories of Representative Michelle Steel and Representative Young Kim, both among the top three Korean American women in Congress.

Kim told me last year that his election represented a new direction for the Republican Party.

“It’s not a Trump or Biden problem,” she said. “This is how I’m going to work.

Then came the recall election, offering political analysts a rare opportunity to take the temperature in key parts of California a year before the midterms of 2022. As my colleague Shane Goldmacher and I reported this weekend. At the end of the day, they were keeping a close eye on Orange County.

The region is no longer a wealthy and conservative enclave, but a vision for the future of major suburban counties across the country: increasingly diverse and politically complex – which makes it enticing to both major parties, which see the territory as to be gained by candidates who lead nuanced campaigns.

“In Orange County, if you run a cookie-cutter campaign, you’re going to lose,” former California Republican Party chairman Shane Jim Brulte, who lives in San Juan Capistrano, told Shane.

Gov. Gavin Newsom has described his fight to keep his job as a matter of life and death, as a battle for progressive California values ​​against a Trumpian takeover. And from Wednesday, voting in Orange County was 51.7% against the recall.

Voters I spoke with at Ladera Ranch, a very Republican dorm community near San Juan Capistrano, told me they feel the political makeup of their neighborhoods changing – though few discuss politics in person. Most of the time, partisan fights took place in Facebook groups.

Candice Carvalho, 42, a Democrat from Ladera Ranch who voted against the recall, said she and her neighbors were exhausted by the bitter partisan divisions that many defined the Trump presidency.

“I think everyone has had a year and a half so difficult that I have a feeling people want – not to get together, but to kind of get together,” she said. “Let’s just go ahead. “

But how this partisanship weariness translates into House races next year depends on what lessons the Republican Party learns from the recall, analysts said.

Representative Katie Porter, a Democrat who was elected to her seat in the Irvine area in 2018 and won again in 2020, told me her victories hinged on the engagement of voters from both parties on issues important to them.

“Until you have a sense of where the Republican Party is going to land in its values, with science, gender equality and the fight against climate change,” she said, ” it’s hard to know at this point how you would best engage across party lines. “

For more:

This mushroom lasagna tastes very rich, although it really isn’t.


Today’s travel tip comes from Patricia Goodson, who recommends the town of Ferndale in Humboldt County:

“It’s a city of Victorian houses. Great stores and the only way to the lost coast. Views of the ocean for miles without traffic jams or many houses.

Tell us about your favorite places to visit in California. Email your suggestions to CAtoday@nytimes.com. We will share more in future editions of the newsletter.


The century-old diary Christina Lalanne found in her San Francisco home wowed her with the beginnings of a story of two young Danish lovers, separated by various trips to the United States and an unhappy marriage.

Ultimately, The San Francisco Chronicle reports, they may have seen each other again.

But the real love story here is that between a deeply rooted San Franciscan woman and her home.


Thanks for reading. We’ll be back to your inbox tomorrow.

PS here the mini-crosswords of the day, and a clue: Beginning of the alphabet (3 letters).

Steven Moity, Mariel Wamsley and Soumya Karlamangla contributed to California Today. You can join the team at CAtoday@nytimes.com.

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LoanDepot lawsuit accuses lender of cutting corners https://tinigard.info/loandepot-lawsuit-accuses-lender-of-cutting-corners/ https://tinigard.info/loandepot-lawsuit-accuses-lender-of-cutting-corners/#respond Wed, 22 Sep 2021 21:06:48 +0000 https://tinigard.info/loandepot-lawsuit-accuses-lender-of-cutting-corners/ These deals made Mr. Hsieh rich, but LoanDepot catapulted him into a new stratosphere of wealth. Mr. Hsieh – by far his largest individual shareholder – has become a billionaire on paper when the company went public in February. LoanDepot shares debuted at $ 14; they’ve since fallen to about half that price, leaving the […]]]>

These deals made Mr. Hsieh rich, but LoanDepot catapulted him into a new stratosphere of wealth. Mr. Hsieh – by far his largest individual shareholder – has become a billionaire on paper when the company went public in February. LoanDepot shares debuted at $ 14; they’ve since fallen to about half that price, leaving the company with a valuation of around $ 2.2 billion.

The planned initial public offering was a motive for company executives to cover up Mr Hsieh’s increasingly reckless behavior, Ms Richards said in her lawsuit. In 2020, as the offer approached, LoanDepot paid its executives what it described in regulatory documents as “a one-time and special discretionary bonus”. Mr. Hsieh received $ 42.5 million, and other senior executives have won cash bonuses ranging from $ 9 million to over $ 12 million.

Ms Richards, who said she was demoted in November and excluded from this special bonus round, resigned in March. Her lawsuit seeks compensation for unpaid premiums and forfeited shares which she says were worth at least $ 35 million.

LoanDepot is at the forefront of a group of online newbies who are using technology to speed up and simplify mortgage lending. Last year, it issued nearly 300,000 – twice as many as a year earlier – and was the country’s fourth-largest mortgage provider in dollars loaned, according to iEmergent, which tracks industry data.

Mr. Hsieh has a long history of prioritizing growth and regularly adds new incentives and products to his company’s lineup. “We will never be a happy or resting company,” he told analysts on a conference call last month. Some workers have said they appreciate the intensity and opportunities of the big paychecks, but complaints about overwhelming workloads, high turnover and burnout are common among former employees.

Ms. Richards’ complaint describes the company, which she joined in 2018, as having a ‘misogynistic’ frat house ‘culture, where harassment was rife and top sellers were celebrated at wild parties that sometimes involved drugs and prostitutes.

In 2019, a senior LoanDepot woman accused a male executive of sexually assaulting her at a company party on Mr. Hsieh’s boat; Ms Richards, who was not present at the event, was asked to lead the investigation because male company officials, including her head of human resources, did not want him, her lawsuit said. (She said she learned that the two employees were drunk and disagreed as to whether the meeting was consensual.)


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Will every mortgage lender soon have a cash offer product? https://tinigard.info/will-every-mortgage-lender-soon-have-a-cash-offer-product/ https://tinigard.info/will-every-mortgage-lender-soon-have-a-cash-offer-product/#respond Tue, 21 Sep 2021 21:54:18 +0000 https://tinigard.info/will-every-mortgage-lender-soon-have-a-cash-offer-product/ Prior to the pandemic, with each new announcement apparently not starting a bidding war, Evergreen Home Loans was set to launch a cash bid program in Washington state. An independent regional mortgage bank licensed in 10 western states, Bellevue-based Evergreen, prides itself on the level of service it provides to realtors – 70% of the […]]]>

Prior to the pandemic, with each new announcement apparently not starting a bidding war, Evergreen Home Loans was set to launch a cash bid program in Washington state.

An independent regional mortgage bank licensed in 10 western states, Bellevue-based Evergreen, prides itself on the level of service it provides to realtors – 70% of the company’s fixtures are purchase loans.

Founder and Chairman Don Burton is a former real estate agent who started Evergreen in 1987, with the goal of eliminating long delays and last-minute surprises in loans that can derail closures.

The CashUp by Evergreen program – in which Evergreen pays cash for homes on behalf of homebuyers and then provides ongoing financing when it transfers ownership to them – was Burton’s idea, said Tamra Rieger, Evergreen chief operating officer .

Tamra rieger

Burton “is actively involved in the business every day, and that’s his idea,” said Rieger. “He was a real estate agent before starting the mortgage company, and Evergreen’s goal has always been, ‘How can we help agents and add value to agents?’ “

Rieger oversaw a special product team at Evergreen which developed the CashUp program over six months. The team was preparing to launch the cash offers program in March 2020 when the pandemic struck.

“There was so much risk in the regular lending environment that we had to opt out of the CashUp program,” Rieger recalled. But, “Fast forward a year, and we’re getting through COVID and managing the risk pretty well.” So we started with a pilot launch in February.

A handful of Evergreen’s top loan officers – about 10 out of a total of 260 – have dedicated themselves to deploying the CashUp program in Washington state, she said.

Once homebuyers have been pre-approved, the CashUp program allows them to submit a cash offer without funding or unscheduled appraisals. If the offer is accepted, Evergreen purchases the home and transfers it to the buyer once its permanent financing is finalized.

“What’s exciting for the agent is that this is a guaranteed cash close,” says Rieger. “There is nothing that will derail the closure. I have respected the closing date each time.

Because Evergreen is a mortgage bank, it has the funds to not only buy homes for cash, but also to provide permanent financing directly to the buyer. That means it can close faster than cash offer programs that outsource funding, Rieger said.

“We have our own funds and we control the mortgage process,” Rieger said. We fully approve the buyer in advance for the cash offer and can close in as little as 10 days. “

The buyer’s mortgage is finalized after Evergreen purchases a home on their behalf. Because they have already been pre-approved, permanent funding ends quickly.

“About a week after I close in cash, I close the client financing” to buy the house at Evergreen, Rieger said.

Some large real estate brokerage firms cannot meet this deadline because they are relying on another lender to pay off their purchase in cash, Rieger said.

“I spoke to a real estate company that is setting up a cash offers program that asked for our help,” Rieger said. “Because they don’t have control over the mortgage process, it takes them 30 days from the time they close with their money for their client’s loan to close. It is too long.”

Develop in new markets

Evergreen, which partners with real estate agents to make the CashUp program accessible to more homebuyers, says the program has been successful, leading them to expand the program beyond Washington State to Arizona and Idaho. A pilot program is operational in Nevada and Rieger hopes to launch it in California in October.

As Evergreen rolled out the program, “The good thing is that I was able to talk to everyone involved, including the buyer’s agent and the listing agent. Especially at the beginning, they wanted to talk to me to make sure it was real, ”said Rieger.

“I have received great feedback from agents that this is a real cash offer. The only contingency I have is on inspection, and I will accept seller’s inspection if Evergreen can verify that it was not produced by a related party.

Not all customers start with the CashUp program, Rieger said. But once a buyer has made several traditional offers on different houses, “you get a little discouraged when you don’t win the house.”

To help the CashUp program gain traction, Evergreen has tried to cut costs, she said. Evergreen charges a 1% loan origination fee at the close of the buyer’s loan, and other costs such as escrow, title and registration fees typically add up to around $ 1,400, Rieger said. .

The CashUp program requires home buyers to use Evergreen for financing their permanent home. Evergreen’s goal is to help homebuyers get their offer approved, then provide them with ongoing financing, not make money on fees.

“A lot of the programs charge higher fees – I saw 2.3 percent,” Rieger said. “We are doing this to help our buyers win the home. We have really tried to keep CashUp attractive to the customer, so that the cost does not prevent them from using it.

When deciding in which market to deploy the CashUp program, it is necessary to take into account the property transfer taxes.

“When I close in cash, I own this house and the seller pays the property transfer tax. In the second step, I am the seller and I technically transfer ownership of Evergreen to the borrower, ”generating another transfer of ownership or an excise tax, Rieger said.

So the easiest states to run a cash offering program are those that don’t have an excise tax, Rieger said. Then, she searches for states with lower transaction fees, such as Arizona, Idaho, and Montana.

While closing costs in Washington state may be higher than in other states, Evergreen started CashUp there because that’s where the company is headquartered, and “because probably 50 or 60% of our transactions are done in Washington, ”said Rieger.

The long term goal is to make CashUp available in all states where Evergreen is licensed. So far, that’s 10 states: Arizona, California, Colorado, Idaho, Montana, Nevada, Oregon, Texas, Washington and Wyoming

But Colorado, Texas and Montana are recent additions to Evergreen, which also plans to expand into other western states, Rieger said.

“We have a bit of a philosophy of knowing your market and going into states that are close to where you already do business, rather than going across the country across the country to somewhere like Florida,” said Rieger. “We’re out west and we’re moving east,” while continuing to add branches into Evergreen’s existing footprint.

Will each lender have a cash offering product?

If a licensed regional mortgage lender in 10 states can offer a cash offer product, does that mean each lender will eventually launch their own offer?

“I don’t know if this will be the mainstream, or if all the lenders will be able to do it,” Rieger said. “It might sound easy, but there is a lot of work to be done. I have a good training process and disclosures. But for a lender to create a product like this, I think it takes 6 months to build it, 3 months to pilot it, and you need a lot of resources to do it.

Rieger said any lenders who aren’t already working on launching a cash offering product could miss the boat.

“There is a time for this product. Right now it’s very popular and I’m happy we’re positioned where we are, ”said Rieger. “I think there is a window, and as more homes come on the market and more inventories are online, it’s likely that there will be less demand for a program like this.”

At the moment, stocks are still scarce in many markets, she said.

“We’re still seeing cash offers above the list price, multiple offers, and escalation,” Rieger said. “I think Evergreen was in a good position because we launched in February. If you’re a mortgage company trying to launch this product now, you might miss your window.

Email Matt Carter


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Marine biologist Kevin Lewand has never taken the ocean for granted and made it his playground and his career. | Face to face https://tinigard.info/marine-biologist-kevin-lewand-has-never-taken-the-ocean-for-granted-and-made-it-his-playground-and-his-career-face-to-face/ https://tinigard.info/marine-biologist-kevin-lewand-has-never-taken-the-ocean-for-granted-and-made-it-his-playground-and-his-career-face-to-face/#respond Tue, 21 Sep 2021 07:00:00 +0000 https://tinigard.info/marine-biologist-kevin-lewand-has-never-taken-the-ocean-for-granted-and-made-it-his-playground-and-his-career-face-to-face/ Everything about Kevin Lewand’s appearance is marked by the sun. Her blonde hair is messy and bleached from the sun, her tan is one that never fades. Even her little house in Monterey smells of sea water and sand; dozens of cookbooks in the kitchen speak of his love for seafood. The first thing that […]]]>

Everything about Kevin Lewand’s appearance is marked by the sun. Her blonde hair is messy and bleached from the sun, her tan is one that never fades. Even her little house in Monterey smells of sea water and sand; dozens of cookbooks in the kitchen speak of his love for seafood. The first thing that strikes a visitor is the dreamlike treehouse Lewand built for his daughter in the front yard. She’s a teenager now and the treehouse is mostly secluded, but they both love to surf and often do it together. The second thing that strikes a visitor is the amount of surfboards around the house.

Hailing from Santa Monica, Lewand, 52, is a Californian kid who has always been around water. Before joining the Monterey Bay Aquarium 20 years ago as a collector, he attended school in Santa Barbara and San Diego and studied marine biology and hydrobiology. Now he’s “taking stuff in the ocean” for the Monterey Bay Aquarium. He collects whatever they assign to him – mahi mahi, tuna, jellyfish, plankton. Most are samples for scientific research.

It wasn’t always the plan. When Lewand was 19, he met a surfer in San Diego who told him he was going to Bali and asked if Lewand wanted to go. “Damn yeah” was the only logical answer. The guy was a doctor – exactly what Lewand wanted to do with his life at the time. In Bali he met Australians and thanks to them he found work on a boat that sailed between Java and Zimbabwe and that was his summer job at university.

Weekly: While being a marine biologist in Monterey isn’t a total rarity, it’s a job kids often dream of, almost as much as being a soccer player. What’s your story?

Lewand: It was more of a fluke. At that time, I had just graduated from college and thought I was going to medical school. For fun, I used to love surfing and love being around the ocean, no doubt, but I didn’t really think I would do what I’m doing today. Never had a passion for aquariums. Some kids know this right away and want to work with dolphins and whales, but I had no idea.

What brought you to Monterey?

For a few years my plan was to join the Peace Corps and work in the fishery. They were going to take me to Africa, but eventually all places resisted. Lots of work at the university, at night, bartender, waiters at tables, trying to pay for school. I had a lot of student loans and was looking for a part-time job. I also had a lot of experience in scuba diving. So I started working for the San Francisco Aquarium and going underwater. Some people say they like to be in the water, but that’s not true. It has always been easy for me. I swam with white sharks near the Farallon Islands. Then I worked in San Diego, then Monterey got a job.

What would happen if you stayed a few days away from the ocean?

Do you want me to get cranky? Don’t get me wrong, I love to see the world, I just prefer to see the world with the ocean next to it. It feels good to see the ocean everyday. The funny thing is that my parents are from Ohio; I can’t even imagine… I never took the ocean for granted and I’ve always been to cool places around the world that are near the ocean. Covid has been a drag. I go to Bali every year during the full moon in May, but now it’s difficult. We were to be in Madagascar this summer.

What did you do instead?

I visited some places in eastern Oregon and eastern Washington. Did I like it? Yes. But I didn’t like him.

Can you identify the best place in the world to surf?

Everyone has their beaches. There are a few places for me. There is the palace I was talking about in Bali. In fact, it’s on Java. They call it G-Land. You leave Bali on the boat and it takes forever as the people, who take care of the surfers, stop to pray. Sometimes I go there during Ramadan, and it’s hard to watch people work. When you arrive you are in the jungle. You sleep in a hut and there are monkeys everywhere. There are no supermarkets. It is as if you have left your normal madness of the world. Indonesian food is very good and some of the best beaches are there. Another place is Fiji, but it is a bit more expensive for a surfer. But the waves are still beautiful.

So what’s your favorite aquatic activity?

Surfing, no doubt. I would surf until I died.


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6 Budgeting Mistakes to Avoid, According to University & State Employees Credit Union https://tinigard.info/6-budgeting-mistakes-to-avoid-according-to-university-state-employees-credit-union/ https://tinigard.info/6-budgeting-mistakes-to-avoid-according-to-university-state-employees-credit-union/#respond Fri, 17 Sep 2021 16:20:03 +0000 https://tinigard.info/6-budgeting-mistakes-to-avoid-according-to-university-state-employees-credit-union/ “Think of your budget as a plan of action to determine where your money will go,” said Margarita Guerra, vice president of finance at USE Credit Union. “Spending and saving intentionally in the right places can help you achieve financial freedom and achieve your goals. “ SAN DIEGO (PRWEB) September 17, 2021 6 budgeting mistakes […]]]>

“Think of your budget as a plan of action to determine where your money will go,” said Margarita Guerra, vice president of finance at USE Credit Union. “Spending and saving intentionally in the right places can help you achieve financial freedom and achieve your goals. “

6 budgeting mistakes to avoid

Developing and following a budget is one of the best ways to make ends meet and achieve your goals, whether it’s paying off student loans or saving for your first home.

“Think of your budget as a plan of action to determine where your money will go,” said Margarita Guerra, vice president of finance at USE Credit Union. “Spending and saving intentionally in the right places can help you achieve financial freedom and achieve your goals. “

When creating your budget, be sure to avoid these common budgeting mistakes:

1. Underestimate your monthly expenses

It’s a big one. If you’re not realistic about what to spend on recurring needs like groceries, clothing, and transportation, you won’t have enough to allocate to long-term goals like a house, car, or homes. vacation. You might also be frustrated and want to throw it all out the window.

Step one: be honest with yourself. Look at your actual expenses over the course of a month and use those numbers as a baseline. As you go along, you will be able to identify the categories where you can narrow down.

2. Budgeting based on your pre-tax income

Most people think of their income in terms of salary or pre-tax pay, not actual take-home pay. For example, if you are a single Californian with a salary of $ 60,000 per year, after withholding federal and state income and salary taxes, your take home pay could be anything over $ 44,000. Additionally, many people have additional payroll deductions, such as medical insurance, life insurance, 401 (k) plans, and FSA / HSA. Review the income that actually hits your checking account each pay period before you build your budget.

3. Don’t budget for emergencies

Things are happening. Cars break down, roofs leak, iPhones get lost at sea, and you can’t take all the possibilities into account. What you can do is start putting money aside in your budget for an emergency fund, so these unexpected expenses don’t reduce your savings goals or put you in debt. Most financial experts say an emergency fund should total between three and six months of basic living expenses, but it’s important to start somewhere.

If you’re discouraged by the prospect of putting away a large chunk of your next paycheck, try a quickening plan like this 52 Week Savings Challenge. You start off by saving just $ 1 your first week, but by the end of the year, you’ll have close to $ 1,400.

4. Do not track your spending

It’s one thing to create a budget, and it’s another to make your budget work. If you don’t keep track of all your spending from month to month, you risk overspending and not meeting your goals. There are many different systems to help you manage your money and keep track of your day-to-day spending. The key is to find one that works well for your particular lifestyle.

Tracking your expenses can be easy with USECU digital bank. You can use your laptop, tablet, smartphone or smartwatch to access free money management tools that allow you to create a personalized budget, categorize expenses, see all your accounts in one place, and track your expenses in real time.

5. Don’t budget for fun

It may not have the same financial consequences as not planning for life’s non-fun expenses, like home repairs and medical bills. However, it can definitely sabotage your budgeting process.

Many people think that the key to saving money is to forgo all entertainment and leisure activities, but this is just not a sustainable approach. Not budgeting for fun is likely to make you feel your budget, rather than seeing it as a vehicle for a fulfilling and happy life. A good rule of thumb is to allocate about 10% of your take home pay to fun activities: brunches with friends, concerts, windsurfing, or whatever makes your boat float.

6. Don’t coordinate with your significant other

Money is one of the main sources of conflict between couples, but it doesn’t have to be. It can be great to have a teammate in pursuit of big dreams. When it comes to budgeting for household income, it is important that partners set goals together and then maintain an open and honest dialogue, even if they choose not to have joint accounts.

One of the biggest budget cuts is when each partner spends a particular category without communicating. Holding regular “money meetings” and / or regularly discussing planned expenses or individual financial responsibilities can help keep everyone on the same page.

USECU is here to help you build a better future, and that includes providing you with all the tools you need to make budgeting easier. By setting up automatic transfers in your savings account, you can save money every month without even thinking about it, and with an improved online and mobile banking experience, you can spend smarter and instantly track your budget from the devices you prefer.

About USE Credit Union

Founded in 1936, University & State Employees Credit Union (USECU) enables nearly 60,000 members to achieve financial well-being through a full range of financial products and services, including checking and savings options, credit cards, loans, mortgages and more. USECU now has more than $ 1.3 billion in assets and provides access to its members through eight branches in California, nearly 30,000 no-additional ATMs across the country, and 24-hour online and mobile banking access. 24 and 7 days a week.

Membership in USECU is open to all employees and students of California universities as well as employees of the State of California, including the California Department of Motor Vehicles, California Highway Patrol, CalPERS, and CalTrans, as well as others who live, work, or worship in Alameda County, Sacramento County, San Diego County, Santa Clara County, and Yolo County. As a nonprofit community leader, USECU partners with causes, events, and organizations that reflect a commitment to health, wellness, and inclusion. Learn more at usecu.org.


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Special Feature: Stopping Maritime Contraband Often Begins 10,000 Feet Above Water https://tinigard.info/special-feature-stopping-maritime-contraband-often-begins-10000-feet-above-water/ https://tinigard.info/special-feature-stopping-maritime-contraband-often-begins-10000-feet-above-water/#respond Thu, 16 Sep 2021 17:41:28 +0000 https://tinigard.info/special-feature-stopping-maritime-contraband-often-begins-10000-feet-above-water/ SAN DIEGO (Report to the border) – U.S. Customs and Border Protection air and sea operations use twin-propeller planes called multi-purpose application aircraft to search for suspicious navigation operations down below Known as MEA, the agents that fly there can be in the air for several hours along the Baja California coast in international airspace, […]]]>

SAN DIEGO (Report to the border) – U.S. Customs and Border Protection air and sea operations use twin-propeller planes called multi-purpose application aircraft to search for suspicious navigation operations down below

Known as MEA, the agents that fly there can be in the air for several hours along the Baja California coast in international airspace, which is over 12 miles from the coast.

Crews often have to travel hundreds of kilometers west as smugglers attempt to overrun air patrols by staying off the coast.

“We fly over the land or the ocean to detect boats using radar and cameras. We can be high, low, medium, it depends on the weather and what we are looking for, ”said detection officer Ned Leonard.

It is a multiple application aircraft used by the Air and Navy Directorate General of Customs and Border Protection. (Courtesy: CBP)

Leonard sits in the back of an MEA focused on monitors relaying what the plane’s camera is capturing below.

It also operates other sophisticated equipment such as radars and deemed classified technologies.

Leonard can see anomalies on the water and quickly zoom in to determine if it’s a fishing boat or someone trying to smuggle humans and / or drugs into the United States.

Ned Leonard is a Customs and Border Protection Air and Marine Detection Officer. (Salvador Rivera / Report on the border)

“Sometimes the cartels employ experienced boat captains, they know very well how to fish, and sometimes they fish or they do both at the same time, they can smuggle and fish,” Leonard said.

Lately, with more and more maritime contraband events, Leonard and his teammates have been busy.

“There were a lot of people, a lot of boats coming in with people, we also have drugs,” Leonard said. “We can detect them very far to the south, it’s a good radar, we can see far, so it’s more than eyes out the window, it’s a long-range detection capability.”

Leonard pointed out that they monitor ships passing through the US border or in US waters that are not supposed to be there.

One of the routes used by smugglers is to load their ships with drugs and launch them from the Gulf of California, bypassing the tip of the Baja Peninsula and sailing north to central California. (KSWB)

Border Report has learned that the cartels are now loading ships with drugs and launching them from the depths of the Gulf of California before sailing around the tip of the Baja Peninsula and heading north, hoping to land something. leaves for central California, a journey that can take days.

CBP air and sea crew fly several application aircraft off the coast of San Diego. (Salvador Rivera / Report on the border)

“The bad guys aren’t fools, they watch the places they end up getting caught and next time they’ll try something different and we try something different, and it just goes on where they change their tactics and we let’s change ours, “Leonardo said. “Right now that sometimes means we go out quite far, they were coming to the San Diego Point Loma area, now they can go into Malibu, Santa Barbara even further north. “

Leonard said being part of the bans is very gratifying for all of the officers involved.

“You feel like you’re doing something for your country and maybe also saving some people from the dangers of smuggling, so it’s very satisfying, and maybe keeping some drugs off the streets, out of schools. , that’s what motivates everyone here. “

Leonard added that sometimes he can only have feelings for the people on the ships.

“A lot of times they’re the same distance over there that we’re going on a plane, but they go on a boat, which can take days, so they’re down there for days away from home trusting the person smuggling them to get them safely somewhere like Malibu. Sometimes they don’t have food or water on board, they don’t have light normally, so imagine being at sea with no light for a few nights and maybe
you don’t know how to swim so it’s very dangerous, you always think about people. In fact, we had a few search and rescue events recently where we had to guide the Coast Guard to get someone into the water they were swimming in.


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German sabotage actually damaged the Statue of Liberty during WWI https://tinigard.info/german-sabotage-actually-damaged-the-statue-of-liberty-during-wwi/ https://tinigard.info/german-sabotage-actually-damaged-the-statue-of-liberty-during-wwi/#respond Mon, 13 Sep 2021 14:17:13 +0000 https://tinigard.info/german-sabotage-actually-damaged-the-statue-of-liberty-during-wwi/ Americans throwing tea in Boston Harbor were the start of our movement towards the dark and bitter nectar of the gods. This is why tea time is over and why we Americans are now taking coffee breaks. Cafes were the center of political discussions during the American Revolution. Few things are as inextricably linked to […]]]>

Americans throwing tea in Boston Harbor were the start of our movement towards the dark and bitter nectar of the gods. This is why tea time is over and why we Americans are now taking coffee breaks.


Cafes were the center of political discussions during the American Revolution. Few things are as inextricably linked to the United States and its military today as coffee.

Café: the real Arsenal of Democracy.

During the Civil War, coffee was the only fresh food that troops on the battlefield could get. It might even have made a difference in the outcome of the war, if morale made sense.

In the South , a pound of coffee could net you up to $ 1,000 in today dollars. Confederate troops desperately used things like roasted corn, rye, okra seeds, sweet potatoes, acorns, and peanuts as substitutes. A substitute, chicory, is still popular in New Orleans.

Yet if you’ve ever had a “coffee” made from any of these, you know it’s just not the same.

German sabotage actually damaged the Statue of Liberty during WWI

When future President William McKinley was 19, he served in the Civil War, carrying vats of hot coffee so frontline soldiers could grab a cup and a soldier. This story was told several times during his presidential campaign and proved what everyone in the war thought about coffee.

There’s even a William McKinley coffee break monument in Maryland.

German sabotage actually damaged the Statue of Liberty during WWI
Hot coffee makes ration bread look okay. This is how amazing the coffee is.

Back then, troops had to roast and grind their own beans. To make coffee easier to brew, the military introduced the first instant coffee. Called “Gasoline of coffee ”, it was essentially a reduction of coffee with sugar and milk added at the plant. All the troops had to do was open a can and add hot water.

Unfortunately, crooked entrepreneurs often sold spoiled milk to the government, so the Essence not only tasted terrible, it also caused a lot of bowel problems. The government quickly got back to the real stuff.

German sabotage actually damaged the Statue of Liberty during WWI

The cafe even earned its nickname through the military. Secretary of the United States Navy to President Woodrow Wilson Josephus Daniels banned alcohol on US Navy ships early in World War I.

The coffee filled the void left by the rum and wine coming out. The sailors were not happy with the change and called the replacement a ‘Cup of Joseph’, which quickly became a Cup o ‘Joe.

German sabotage actually damaged the Statue of Liberty during WWI
Someone get me a coffee maker as big as a WWI country kitchen.

Coffee even helped win World War II. US troops have created one of the world’s most popular coffee drinks, Caffé Americans, by sweetening their shots of Italian espresso, too strong for their palate.

German sabotage actually damaged the Statue of Liberty during WWI
It also comes in these little sissy mugs.

German sabotage actually damaged the Statue of Liberty during WWI
Marines make coffee on Iwo Jima

German sabotage actually damaged the Statue of Liberty during WWI
Bring back the donut rations.

The Korean War saw the brewing of coffee just as much as any other conflict.

German sabotage actually damaged the Statue of Liberty during WWI

German sabotage actually damaged the Statue of Liberty during WWI
Front line coffee delivery. Unbelievable.

In Vietnam, GIs made coffee in the field using C-4 explosives as a source of heat, as they did with their entire ration kitchen c.

German sabotage actually damaged the Statue of Liberty during WWI
Juice of life to ‘Nam.

You may have noticed Red Cross women serving coffee at the front throughout the 20th century.

German sabotage actually damaged the Statue of Liberty during WWI

Today, coffee is one of the most popular things that civilians send to American troops deployed in war zones.

German sabotage actually damaged the Statue of Liberty during WWI

German sabotage actually damaged the Statue of Liberty during WWI

German sabotage actually damaged the Statue of Liberty during WWI

If you’re the first in your unit in the morning and you haven’t made coffee, everyone hates you. No one wants to walk up to Green beans.

American troops love coffee so much that many went out and started their own coffee businesses. To verify Lock and load Java, Veteran roasters, Black Rifle Coffee Company, and Cafe des Rangers.

September 29 is National Coffee Day (as if coffee only deserves a day of recognition).


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Best Auto Loans 2021 for Buying, Refinancing, Bad Credit, and More https://tinigard.info/best-auto-loans-2021-for-buying-refinancing-bad-credit-and-more/ https://tinigard.info/best-auto-loans-2021-for-buying-refinancing-bad-credit-and-more/#respond Fri, 10 Sep 2021 12:45:57 +0000 https://tinigard.info/best-auto-loans-2021-for-buying-refinancing-bad-credit-and-more/ The best auto loans of 2021 When it comes to buying a car, finding the right loan can be just as important as finding the right car. It’s not as easy as just going to the dealership. To get the lowest interest rate, you’ll want to search for a car loan to see what type […]]]>

The best auto loans of 2021

When it comes to buying a car, finding the right loan can be just as important as finding the right car.

It’s not as easy as just going to the dealership. To get the lowest interest rate, you’ll want to search for a car loan to see what type of financing is available to you. Dealers often mark up interest rates on loan offers from lenders, which can make you pay more for the same car.

The good news is, it’s completely preventable if you’re willing to shop around for your loan and get pre-approved before you start shopping at the dealership. To find the best rate, you’ll want to look at several different lenders and see what each will offer you. Once you start receiving quotes, you will have two weeks to put together all the quotes you want without multiple inquiries affecting your credit score – credit bureaus count all of these requests as one during this period.

Having pre-approved for a car loan can give you better negotiating power and the peace of mind that you will have the lowest interest rate possible. When you start shopping, keep in mind that your small local bank or credit union could also be a great place to get a loan – these institutions often offer lower auto loan interest rates than the big banks, but are generally limited to a relatively small geographic area. .

Here are a few banks to help you start your search for a variety of situations.

Better overall, better for lease buyouts: Bank of America

Bank of America currently has excellent rates for auto loans. New car purchase rates start from 2.59% APR, and a used car can be as low as 2.89% APR. Bank of America offers rate reductions for current customers, up to 0.5%.

If you are interested in purchasing the car you are currently leasing but need a loan to do so, Bank of America offers a loan for it. Bank of America offers a variety of auto loans, and like others, its interest rates are competitive in 2021. Lease buybacks can have higher interest rates than a new car loan or car loan. opportunity, but Bank of America Lease Buyout APRs start lower than rates. offer other lenders.

Ideal for excellent credit: LightStream

If you have a good or excellent credit score, you may want to consider LightStream in addition to Bank of America. Part of SunTrust Bank, Lightstream focuses on auto loans to customers with good or better credit.

Because it focuses on a narrow subset of customers, its rates don’t go too high. However, borrowers with lower credit scores can find better rates elsewhere.

Capital One offers easy and reputable auto loans for borrowers with a credit score of 500 or higher. Capital One offers loans as low as $ 7,500 for used vehicles, but it should be noted that their maximum loan amount is $ 50,000.

Ally online banking does not offer financing for the purchase of a car. But, if you are looking to refinance the car you already own, its Clearlane auto loan division offers competitive rates. As long as your vehicle meets standards (less than 100,000 miles and less than 10 years), this lender could offer a competitive rate as low as 3.99% depending on Nerdwallet. Clearlane also offers auto lease buyouts.

Which lender is the most trustworthy?

We looked at the Better Business Bureau score to help you make the best decision possible when choosing an auto loan. The BBB measures the reliability of businesses based on factors such as the veracity of advertising, honesty of business practices, and responsiveness to consumer complaints. Here is the score of each company:

The majority of our top picks are rated A or higher by the BBB, with the exception of Clearlane by Ally. Keep in mind that a high BBB score does not guarantee a good relationship with a lender and you should continue to research and talk to other people who have used the company to get the most useful information. possible.

The BBB is currently rating Clearlane by Ally a D- in reliability due to 53 complaints against the company, including one unresolved complaint. Due to lenders’ BBB scores, you might prefer to use another car loan company on our list.

Frequently Asked Questions

How were these winners determined?

These lenders were chosen based on the interest rate (APR) for various credit scores, whether you are buying new or used, and loans for a specific need like refinancing or leasing. The insider collected data from Nerdwallet, EnlargeSilver, and Credit Karma, and the lenders themselves. This list only takes into account loans available in most of the United States and does not include captive lenders – lenders owned by car manufacturers.

The dealership where I do my shopping offers financing. Should I just use this?

Auto dealers are allowed to mark up the interest rates on the auto loans they offer, and generally they do. The interest rate offered by a seller often includes a discount for the dealer, resulting in a higher interest rate for you. While you might qualify for a 6% interest rate from a bank, you might see 6.5% or even 7% from a dealership, for example.

If you are ready to work, you may be able to save money by shopping on your own. The best way to avoid this problem is to get pre-approval from a few banks or lenders when you first start buying a car, and bring those dealership pre-approvals with you. Then you’ll have some estimates on what your cost of borrowing might be and can compare prices for the lowest APR.

Is the length of my mandate important?

The longer the loan term, the lower the monthly payment. But, if you pay more than 60 months (five years) on your car loan, you could owe more than your car’s value.

Cars depreciate quickly, and if you pay more than five years on an auto loan, your loan could end up in this situation, also known as “upside down.” As the term of auto loans increases, auto loan defaults also tend to increase.

Getting An Auto Loan With Bad Credit? Here’s what you need to know.

If you are shopping for a car loan with bad credit, you could reap a lot of benefits by doing your research and shopping when looking for a car loan. Avoid any “buy here, pay here” financing as these loans often come with exorbitant interest rates and high monthly payments, which could cause you to default.

A local credit union can be a good place to start if you have a bad credit rating – sometimes lenders like these can be more lenient and offer lower interest rates than the big banks.


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One in ten LGBT workers have experienced discrimination at work https://tinigard.info/one-in-ten-lgbt-workers-have-experienced-discrimination-at-work/ https://tinigard.info/one-in-ten-lgbt-workers-have-experienced-discrimination-at-work/#respond Tue, 07 Sep 2021 22:44:35 +0000 https://tinigard.info/one-in-ten-lgbt-workers-have-experienced-discrimination-at-work/ After a nearly 3-month hiatus, Los Angeles allows businesses to reopen and owners are hoping the crowds will return. (Photo provided by the City of West Hollywood) Feeling the pressure of a struggling economy, West Hollywood businesses are eager to finally reopen, after several weeks of shutdowns. Amid new safety rules, the long-term effects of […]]]>

After a nearly 3-month hiatus, Los Angeles allows businesses to reopen and owners are hoping the crowds will return. (Photo provided by the City of West Hollywood)

Feeling the pressure of a struggling economy, West Hollywood businesses are eager to finally reopen, after several weeks of shutdowns. Amid new safety rules, the long-term effects of the Covid-19 pandemic and recent civil unrest have resulted in a mixture of fear and uncertainty within the community,

“I’m excited for our businesses, but I’m also worried about them,” said Genevieve Morrill, President and CEO of the West Hollywood Chamber of Commerce. “While it seems almost impossible to move forward without fearing the pandemic or fear of looters, many are. “

Morrill fears that Weho establishments will be able to handle all the protocol necessary to keep employees and the public safe, and at the same time break even and not incur more losses.

“Nonetheless, I am happy that there are many businesses that can start to generate income.

They were closed for months, only to reopen one day and close again due to threats of vandalism, ”she noted.

“Walks and demonstrations are necessary and our company supports the Black Lives Matter movement and wants to get involved. But they are also stretched to the maximum – they need immediate relief.

Morrill hopes more jobs will come to the area.

“Some companies have received PPP loans allowing them to rehire. With the recent amendment to the PPP loan policy, this is a much needed adjustment to allow rehiring, ”she said.

Weho Bars, Restaurants, Jobs

Wendy Tuttle.

Restaurants and bars in West Hollywood are opening with cautious optimism, warns hospitality recruiter Wendy Tuttle.

“They will assess demand and hire / bring back staff as appropriate. Most are chomping at the bit to get back to work. There are others who may have underlying health issues or live with family members who might be reluctant to return for fear of contracting Covid-19. “

Tuttle customers are “eagerly awaiting” these calls to get back to work.

“My people want to hear ‘we are open’. We have all the plans in place to ensure your safety and that of your guests. so they can get back to work, do what they love: create great food, while providing an amazing experience with their friends, family and community.

Restaurants like Conservatory are planning to fully open their premises, with a full menu of food and drink, wait staff, host / hostess.

“Conservatory is delighted to reopen to the community and take all measures to ensure the safety of our employees and guests,” said owner Paul Kalt.

Kait feels “lucky” that the restaurant’s street side cafe with a pick-up window has been opened.

“This has allowed customers to keep their daily routine for coffee, cocktails and food, take out and delivery. Although we have greatly lacked in all of our catering capabilities, we have been able to maintain continuous service and as much of a sense of normalcy as possible in these unprecedented times. “

For Pride Month, Conservatory has created special cocktails for the month of June. For their For The Love Wins package – the six cocktails offered in a $ 70 package – a percentage of the proceeds will be donated to the Human Rights Campaign.

George Figares, Managing Director of Fiesta Cantina Weho is also delighted to be back. “WeHo has been dark for too long and we’re happy to bring Fiesta back to WeHo! They offer a happy hour from 4 to 8 p.m. everyday.

The comfort of the guests is the number one priority of Figares.

“First and foremost, public safety is our top priority. Ensuring everyone’s safety throughout our reopening is essential. We want everyone to come out and enjoy the community, but in a way that doesn’t encourage the spread of the pandemic. “

Fiesta Cantina has the most delicious nachos. (Photo by Susan Hornik)

He continued, “We hope that by following the strict guidelines set by state and county health departments, we can operate in a manner that is safe for our employees and guests.”

Many bars in West Hollywood have found a way to open up, serve food, and adhere to social distancing rules. Rocco’s, The Abbey, Beaches, Fiesta Cantina and others have reopened with social distancing rules in place and food as the centerpiece.

David Cooley, owner of famous West Hollywood bar and restaurant The Abbey, was on hand to greet guests on the first day of activity after the lockdown. (Photo by Troy Masters)

David Cooley recently told the Los Angeles Blade, “We scan everyone’s temperature, need masks, and have social distancing table rules in place,” he said.

On a recent mid-day stroll through WeHo, every bar we visited also strictly enforced the new rules. But the crowds are huge. At least one of these companies has been cited for its overcapacity since the implementation of the new reduced enumeration rules.

Weho Stores

“RJ Holguin, Director of Marketing and Outreach at My 12 Step Store, has mixed feelings about reopening the Weho businesses.

“I am for it but I think it is better to move forward with a lot of caution. People are so eager to get out that they are willing to take a risk, ”said Holguin.

RJ Holguin (Photo by Paulo Murillo)

The store remained open online and it was Holguin’s saving grace.

“We are now open to in-store purchase with all guidelines, but we still recommend that people order online and pick up or use our curbside service. It is very difficult to keep in-store shopping with regulations and operate with fewer employees.

Last summer, the store was expanded to provide a better shopping experience.

“In order to meet our expectations, we needed to increase our in-store sales by 30%, which we started doing during the holiday season. But at the end of March, we were losing 100% of our in-store sales due to the shutdown, which was a huge financial blow, ”said Holguin.

While it’s been “a year of lemons,” Holguin has consistently found ways to make happy lemonade.

“We posted a weekly blog post on the emotional effects on 12-step recovery and offered free reunion chips to newcomers to the area. Our Facebook page contains constant updates on our outreach program, ”he said proudly.

During the Black Lives Matters protests, Holguin and his team painted supportive graffiti on their store. Protesters stopped to take photos and offered words of support.

West Hollywood dogs have yet to get the green light to play together, but grooming services are available at daycares like Dog-E-Den.

“We miss our staff, our customers and the dogs we have come to know and love to take care of,” said owner Gene Barash.

The pandemic made operation impossible for about two months and Barash had to shut down the store completely. “We started to reopen with reduced days / hours, but then the protests forced us to close for a few days. Fortunately they were very quiet after the first few days so we reopened yesterday. We have a fairly high level of confidence that the protests will not have a disruptive impact on our business. “

Over the past 3 months, Barash has received numerous calls and emails from clients letting them know they are eagerly awaiting the daycare reopening and eager to be able to bring their dogs back.

“We really appreciate their support and encouragement and we consider ourselves lucky to have such positivity from our community, especially in these incredibly difficult times.”

Gyms haven’t been able to open yet, but Brendon Ayanbadejo, President of Fitness at West Coast Fitness, the franchisee of Orangetheory Fitness, has been working hard to get his studios ready.

“We are looking forward to opening our Weho studio and the rest of our locations across California. The health and safety of our team and members is always our number one priority. We also know that health, fitness, physical activity and community are essential for a healthy immune system and mental health. So we feel excited and ready to get people back to doing what they love once we get the green light. “

The state of California last week announced guidelines for a 6/12 state reopening date for gyms and fitness studios.

“However, the county decides when we will be allowed to open, based on their assessment of health, risk, etc.” he explained. “We are digesting state guidelines and waiting to hear from health and county government officials on specific dates when we will be allowed to open each studio.”

Economically, closing their business has of course been a challenge, said. Ayanbadejo. “But, we are in the same boat as so many others. Beyond any economic impact of the pandemic and especially here in our Los Angeles home, the pro-Black Lives Matter protests have uplifted our community and opened our collective eyes to the role and responsibility we need to play.


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