Retiree REPORT - Volume 48 Los Angeles County Professional - Los Angeles County Professional Peace Officers ...
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Los Angeles County Professional Volume 48
September 2021
Peace Officers Association Issue 7
Retiree
REPORT
We have devoted ourselves Workers’ Compensation
and our staff to providing Employment Litigation
the highest level of personal Personal Injury
services to our clients LACERA Retirements
Please contact our firm for Located in the Van Nuys
a free consultation Historic Library Building
Phone (818) 788 1700 14555 Sylvan Street
Fax (818) 788 1705 Van Nuys, California 91411
Making a false or fraudulent workers’ compensation claim is a felony subject to up to five years in prison or a fine up to
$50,000 or double the value of the fraud, whichever is greater, or both imprisonment and fine
Contents
PPOA Office
188 E. Arrow Highway
San Dimas, CA 91773
(323) 261-3010
(800) 747-PPOA
info@ppoa.com
www.ppoa.com STAR & SHIELD
POPA Federal Credit Union SEPTEMBER 2021
(800) 369-7672
www.popafcu.org
Star & Shield is the official
publication of the Los Angeles
County Professional Peace
Officers Association (PPOA).
Opinions expressed by
individual Board members
or contributing authors in this
publication do not necessarily
reflect the opinions of the
entire Board.
The Board of Directors meets
on the second Wednesday
of each month in the PPOA
offices at 10 a.m.
14 18
Star & Shield subscription: $12
Executive Editor: Tab Rhodes Leadership Also Inside
✪ Executive Board
Tab Rhodes 4 Thirty-Three Years and Still 8 Surviving Retirement: 18 United States Police
President Going... Tips for a Healthy and Fire Championships
Jim Blankenship | Tab Rhodes Adjustment
Vice President 19 Retiree Events
Rosario “Tony” Coleman 6 This Too Shall Pass 10 HR-218: Retiree 20 Rookies Roost
Secretary | Jim Schallert Qualification Procedures
Robert Maus 12 Remembering Deputy 24 Calendar of Events
Treasurer Marshal Henry Wong 25 End of Watch
✪ Directors
14 Supporting Health and 26 Using Retirement
Fitness for Members Savings for Your Child’s
Joel Barnett
Nancy Escobedo 16 PPOA Members Spotted College Expenses
Henry Jimenez
Joyce Kato
on the Socials 27 Classifieds
Christopher Lee
Jose Rios
Tony Romo
Jim Schallert
✪ PPOA Affiliations
PPOA ON THE WEB
California Coalition of Law
Enforcement Associations (CCLEA)
California Peace Officers’ Memorial UNIFORM STORE
Foundation (CPOMF) Get great discounts on uniforms
Coalition of Los Angeles County ERCOM hearing in PPOA and other products at
Unions (CCU) conference center store.ppoa.com.
Fraternal Order of Police (FOP)
International Foundation
of Employee Benefit Plans
Los Angeles County Federation
of Labor
Los Angeles County Organization
of Police and Sheriffs (LACOPS)
Marine Engineers’ Beneficial
Association, AFL-CIO
National Conference of Public
Employee Retirement Systems @lappoa LAPPOA LACOUNTY_PPOA LA County PPOA PPOA App
Public Employees Staff
Organization (PESO)
Southern California Alliance ®
911MEDIA is a division of Trade News International, Inc.
of Law Enforcement (SCALE) Published by
For advertising call (818) 848-6397 | 911MEDIA.com
Paid advertisements appear in PPOA publications, including print and digital formats. The inclusion of
third-party advertisements does not constitute an endorsement, guarantee or recommendation by PPOA,
and we make no representations or warranties about any product or service contained therein.
3
LEADERSHIP Message From the President
Thirty-Three Years and Still Going…
A
s I write this article, I realize numbers, but retirees are also increasingly
this month represents my 33rd leaving the state of California. In fact,
year with the Department, retired PPOA members living out of state
having graduated from Class increased by 17%, including the top
#248. More and more of my friends and five most popular destinations: Arizona
classmates have joined the ranks of “The (140), Nevada (95), Idaho (47), Texas
Retired.” Conversations with these retired (45; new to the list and pushing Oregon
members often include quotes such as “Best out of the top five) and Washington
job you ever dreamed of ” and “How did I (41). Regardless of where members
have time to work?” retire, they travel, start businesses or raise
Those of us still in the workforce, grandchildren (sometimes children), and
especially those of us in the 50-plus age a very valued few even continue their
range, understand the pressures all too well. involvement with PPOA, for which we
Not only do we have the stress of work, are extremely grateful.
but let’s add to it the family pressures of Tab Rhodes I am very grateful for the opportunities
adult children who fail to launch or the PPOA President the Sheriff ’s Department and PPOA
responsibilities of taking parents to their Lieutenant, LASD have provided during my career. When
trhodes@ppoa.com
medical appointments. These weights I retire (no timeline planned yet), I look
exacerbate and exaggerate the desire to retire forward to the next chapter that many
as the number of days on the countdown clock ticks down of you exemplify. Traveling, spending time with family and
ever so slowly. friends, and exploring interests you never had the time for
The retirees I have spoken to communicate that their while working and raising a family all sound fantastic.
newfound freedom allows them to address these burdens To those retired, thank you for your service. Please stay
and so much more. They embrace the next chapter of healthy, enjoy your retirement and, as my father says, “Take
life, whether it is traveling, becoming a farmer, writing the County for every dime they owe you.”
a book, starting a new career or helping others through
volunteer work. Without the stress of “the job,” they look
younger and healthier than ever before. They inspire me to
balance my life now, allowing for creativity and activity in
preparation for my own retirement.
Every generation says this, but I would challenge any of
THE RETIREES I HAVE SPOKEN TO COMMUNICATE
the predecessors. The stressors of a career in public safety THAT THEIR NEWFOUND FREEDOM ALLOWS THEM
have never been greater than today. A worldwide pandemic TO EMBRACE THE NEXT CHAPTER OF LIFE.
and the polarization of politics in our nation, state and
county, as well as the anti-law-enforcement sentiment, all
create a difficult mindset, decreased productivity and undue
stress. My discussions with representatives of LACERA
and our workers’ compensation attorney partners represent To those remaining active, thank you for all you do in
extraordinary numbers of members who either are impaired these historically unprecedented times. Stay safe, hold your
STAR&SHIELD | SEPTEMBER 2021
by injuries on duty or are in the retirement process. heads high and represent our noble profession to the best of
You get the picture. And if you are still active but at your abilities.
the tail end of your career, you really get the picture.
Friends and colleagues who have already retired will tell
you that the motivation to retire gets stronger as you begin
to envision your next chapter in life. That optimism is
natural. Unfortunately, the motivation for thousands of
cops nationwide who have been hastily retiring lately is not
because of what the future holds as much as it is because of
what the current job is up against.
Not only are potential retirees increasing in annual
4
5
STAR&SHIELD | SEPTEMBER 2021
LEADERSHIP Message From the Board
This Too Shall Pass
H
ello, friends! It’s been a while since maybe his decisions are based on some fact or
my last article. I hear from some of knowledge that us mere mortals are not privy to.
you who tell me stories of how you Regardless, there is an active recall movement in
survived the COVID lockdown — the works and we will see how that goes.
some even learned to cook after decades of Jack The governor is also facing a recall in short
in the Box or King Taco on the hood of your order, and we will see how that goes. We all have
car! Many of you spent the past year getting to strong opinions and I will just say that we need
know your better halves even more when the golf leadership for everyone, not just one side of the
courses, beaches, theaters and even hiking trails aisle.
were closed. And just when it appeared that it I have received calls about CCWs, and we
was safe to go back in the water, Delta hit, so we hopefully fixed the 49 state qualifications issue.
are creeping down the same trail again. This is (The Department was great here when we
not what retirement was supposed to be about! needed them to step up, and they did.) I know
As retirees who always put others first, I many of you are concerned about the cap on the
imagine you are still doing the same: sucking it Jim Schallert Blue Cross plans still being at a million dollars
up, and taking care of others as you can. This too PPOA Retiree Liaison for so many years. It seems that for some reason
shall pass is what I keep telling myself. LASD retired the County CEO and the Board just have
jschallert@ppoa.com
During the past year, we have seen a district not entertained the fix. We are hoping recent
attorney who is incredibly unpopular with rumors out of LACERA indicate they may
those who prefer justice over what some are saying is “downright be putting something together as a proposal to the County. This
crazy” make some decisions that baffle our minds, as cops who impacts all County retirees, not just PPOA or ALADS members,
actually did the job and dealt with victims. I cannot claim to so there may be a huge number of retirees affected. Let’s just hope
have personally seen Jesus or any other divine entity in my life, so the County doesn’t come up with a harebrained solution that looks
good on paper but in reality cuts our benefits. Bottom line, we
were guaranteed health insurance once we retired. It was not based
SUPPORT YOUR on where we choose to live. We have already seen current active
members’ health care decimated for their families, and their pensions
FOUNDATION are a whole new ball game, all while the County continues to bring
in incredible revenues and chooses to support other questionable
welfare programs by taking benefits from its own employees.
The Department has begun hiring again. Last year the attrition
Did you know that when you shop on
was well over 400. I am not sure if that is a record, but it has to be
Amazon, a portion of what you spend could close. Seems like I get more calls from active members asking about
benefit the Star & Shield Foundation? Visit how the 457 plan works, etc., so they can retire as soon as possible.
smile.amazon.com and select the Star & The public is definitely not supportive of law enforcement the way it
Shield Foundation as your charity. Each time has been in the past. We seem to go from hero to zero with changes in
you place an order, 0.5% of the purchase the wind nowadays or depending on who has the loudest tweet. Gone
are the days of “Let’s see what the investigation shows” and in are the
proceeds will help support families of fallen
days of cancel, cancel, cancel!
STAR&SHIELD | SEPTEMBER 2021
officers as well as those truly in need. I am hearing good things about the Retiree Roundup moving
forward, and that is great news. I hope to see many of you there!
In closing this short reintroduction article, I really hope you
and your families have made it through the COVID mess as
best as possible. Being part of what is considered a vulnerable
group myself on a few levels, it was not a fun year. But so far, we
have made it through and look forward to once again enjoying
Go to www.ppoa.com and click on the Amazon Smile retirement to the fullest.
link to help the Star & Shield Foundation make an even If anyone has any concerns about retiree issues, please email me
bigger difference. and we will look into what we can.
Take care, until next month!
6
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RETIREE REPORT Health & Wellness
By Medina Baumgart, Psy.D., ABPP,
LASD Psychological Services Bureau
Surviving Retirement:
Tips for a Healthy Adjustment
Editor’s note: This article is reprinted by
permission from the August 2021 issue of
American Police Beat.
R
etirement involves much more
than financial well-being and
medical coverage. What about
the stuff no one likes to talk
about … feelings?! After all, you are human.
The reality is that retirement involves a
degree of psychological and emotional
adjustment. What happens when you sign
your retirement paperwork and are no
longer a peace officer? Not surprisingly, your
signature doesn’t mean that you are now
well-adjusted to civilian life.
Retiring from a career in law
enforcement poses unique challenges to
your psychological, emotional and physical
health compared to other professions.
In addition to being part of the law
enforcement family, police work involves indicated that they continued to experience law enforcement culture. Staying
significant lifestyle changes related to shift critical incident stress reactions, not only connected with others can help buffer
work, sleep deprivation, dietary changes, before they retired, but also afterward. The against isolation, depression and
exposure to traumatic events, and the most frequently endorsed stress reactions stress. Although you may be tempted
biological ups and downs of adrenaline and among this retiree group were intrusive to surround yourself with people
cortisol produced throughout your career. memories, frequent recall of the incident, who understand law enforcement
Police work also impacts your relationships anxiety, panic, depression, anger and culture, this can limit your social
with family and friends. When you retire, sleep difficulty. Despite the adjustment- resources after retirement and might
your usual routine and lifestyle abruptly related challenges experienced by this lead to increased feelings of loss and
change. All of these changes will result group of sworn retirees, the vast majority isolation. Additionally, you could
in a period of adjustment that is normal reported feeling satisfied with the quality risk reinforcing cynical thinking and
and often temporary. The key is knowing of their retired life. This finding suggests unhealthy behaviors after retirement that
what to expect and having the tools and that, although there may be a period of can impact your overall physical and
resources needed to prepare for and adapt discomfort during the initial adjustment psychological health.
to these changes. to retirement, most people will eventually • Consider volunteering and/or finding
In a 2018 survey of sworn retirees settle into retired life. a part-time job. This will keep your
at a large law enforcement agency, So what are some things you can do to mind sharp, keep you active and can
STAR&SHIELD | SEPTEMBER 2021
40% indicated that they experienced better prepare yourself for the emotional and foster a sense of purpose helping others
unexpected issues adjusting to retired life. psychological adjustment to retirement? or giving you a structure/routine. If
Of this group, half reported experiencing • Start engaging in outside law possible, take at least six months to allow
emotional and psychological reactions, enforcement activities and hobbies. your body and mind to adjust before
including loss of identity and purpose, This might take some experimentation, starting post-retirement work.
disbelief, anxiety, depression, boredom and but try to be open to different • Take inventory of how you view
difficulty relaxing. Regarding work-related experiences and activities. It may help yourself. Explore the many parts of
critical incidents, one out of every four to think about things you used to do or your personal identity: cop, friend,
respondents indicated that traumatic stress things you have always wanted to try. spouse, mentor, educator, son/daughter,
reactions emerged after their retirement, • Start forming friendships with parent, etc. Begin spending more time
and nearly one-third of all respondents people who are outside of the improving the parts of your identity
8
outside of the job so that other aspects of your identity are well
developed.
WHOM TO CALL
• Do your homework. Take the time to do your own research to
better understand the emotional and psychological adjustment to
WHEN A SPOUSE DIES
When a spouse dies, the last thing you need is confusion
retirement. There are several online resources and books on this about whom to contact. Filing this checklist may help keep a
topic that you can find by doing an internet search. Talk with sorrowful event from becoming even more painful. The order
other retirees about their experiences adjusting to retirement. in which you place the calls is not important.
• Consider attending counseling to resolve any existing issues
or concerns, and/or learn additional tools and skills to ➜ PPOA: (800) 747-7762 ➜ Doctor of deceased
facilitate a healthy adjustment to retired life. Oftentimes, cops ➜ Sheriffs’ Relief: ➜ Insurance companies
will begin reflecting on their careers as they near retirement (800) 544-4772 ➜ Three major credit
— the good and the bad. This can evoke different emotions ➜ LACERA: bureaus (Equifax,
and thoughts about self, others and the world. Confidential (800) 786-6464 Experian and TransUnion)
counseling can help you process your career and identify ➜ Social Security ➜ Auto registration and
any issues that need more specific attention, as well as teach Administration: insurance
you additional coping skills to navigate the retirement (800) 772-1213 ➜ Utility bills
adjustment. It may also help to identify other supportive ➜ Department of Veterans ➜ Credit cards and loan
resources in case you need them. Affairs: companies
When the big day comes, ask a trusted partner to be (800) 827-1000
➜ Church
there when you drop off your gear and sign your retirement ➜ POPA Federal
paperwork. Grab a cup of coffee or a bite to eat after. As with Credit Union: ➜ Employer of deceased (if
other aspects of life, there may be some trial and error and (800) 369-7672 he/she was employed)
growing pains as you adjust to retirement. Take it one day at a ➜ Banks and credit unions ➜ Mortgage company
time until you establish your new routine.
Dr. Medina Baumgart is an organizational psychologist with the Don’t forget to call extended and distant family members
Psychological Services Bureau of the Los Angeles County Sheriff ’s and friends as well. If you are simply too overwhelmed,
Department and a board-certified specialist in police and public safety you can avoid hurting others’ feelings by asking someone
to do this for you.
psychology. Correspondence concerning this article should be sent to her
via email at drbaumgart@att.net.
IMPORTANT RESOURCES FOR RETIREES
Fraternal Order of Police L.A. County Professional Retired Employees of L.A. County
www.fop.net Peace Officers Association www.relac.org
(615) 399-0900 www.ppoa.com (626) 308-0532
(800) 747-PPOA
L.A. County District Retired LASD Deputies
Attorney’s Office L.A. County Sheriff’s www.lasdretired.org
http://da.lacounty.gov Department
Sheriffs’ Relief Association
(213) 974-3512 www.lasd.org
www.sheriffsrelief.org
General info: (213) 229-1700
L.A. County Employees (800) 544-4772
CCW renewal: (323) 526-5500
Retirement Association
Annual qualification:
STAR&SHIELD | SEPTEMBER 2021
U.S. Department of
www.lacera.com
(323) 267-2730 Veterans Affairs
(800) 786-6464
www.va.gov
POPA Federal Credit Union
L.A. County Medical (800) 827-1000
www.popafcu.org
Examiner-Coroner
(800) 369-7672 U.S. Government Resources
https://mec.lacounty.gov
www.usa.gov
(323) 343-0512
9
RETIREE REPORT News You Can Use
HR-218: Retiree Qualification Procedures
Please note that HR-218 qualifications may visiting from out of state or
be limited due to public health orders. Northern California, you
T
can contact the range at
he purpose of this article is to (323) 267-2730 to arrange
inform retired LASD sworn a special appointment.
personnel of the current HR-218 testing is also
Department procedures to certify conducted during the
them under the Law Enforcement Officers annual Retiree Roundup
Safety Act of 2004. This federal law allows in Laughlin; however,
honorably retired law enforcement officers the Department will not
to carry a concealed firearm nationwide, but provide ammunition in
requires annual proficiency certification. Nevada.
The LASD Weapons Training Unit has Retired personnel who
developed a firearms test for those retired successfully complete the
members who wish to take advantage of the firearms proficiency test
privileges afforded to them under the law. will immediately be issued continue carrying in California only,
(Active-duty personnel should refer a certification card, which is valid for they must renew their CCW permit
to Sheriff ’s Bulletin #523 and the Field one year from the date of certification. through Personnel Administration as
Operations Support Services Newsletter, Retirees must carry this card with their currently required, not through the
Volume 4, Number 25, for further Department identification. Weapons Training Unit.
information.) • Only LASD retirees can be HR-218
ADDITIONAL INFORMATION certified at the Biscailuz Center
ANNUAL QUALIFICATION • The Sheriff has directed that the Armory or at the annual Retiree
The Department firearms proficiency firearms proficiency test and annual Roundup in Laughlin.
test for retirees assesses general firearms certification be provided at no cost • HR-218 allows for LASD retirees
safety and proficiency in handling and to LASD retirees. You may need to living in other states to be certified
firing weapons. It is available to any retired bring your own ammunition. Due by that state if the state offers
LASD deputy who retired in good standing. to changes in California law, the such a test. Retirees living out of
California residency is not required, but Department is no longer allowed to state should contact their local law
the retiree must possess a valid LASD sell ammunition. enforcement agency to determine if
identification with CCW endorsement. • Retirees who do not wish to carry a such a test is available.
The Biscailuz Center Armory has concealed firearm outside of California Any questions regarding the contents of
HR-218 testing by appointment every do not have to qualify under the this article may be directed to the Biscailuz
Thursday at 10:15 a.m. For retirees federal law. However, if they wish to Center Armory at (323) 267-2730.
The DMV Confidentiality of Home Address covers LASD retired peace
officers holding a valid California driver’s license. The Request
for Confidentiality of Home Address (INV 32) forms are no longer
STAR&SHIELD | SEPTEMBER 2021
available for pickup at local DMVs. They are available only through
DMV qualifying agencies.
CONFIDENTIALITY LASD retired peace officers can request the INV 32 form by contacting:
REQUEST
L.A. County Sheriff’s Department
Personnel Operations — EPTS Support Unit
211 West Temple Street, 4th Floor, Los Angeles, CA 90012
Attn: DMV Confidentiality Coordinator, (213) 229-1731 — Jean Marie Lewis
10YOU’RE DRIVEN
TO PROTECT
AND SERVE.
WE’RE DRIVEN TO HELP YOU SUCCEED.
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greatest tool – their mind – with respected online degrees and certificates.
AFFORDABLE
AMU provides credit for police academy training or military service and no-cost textbooks in
undergraduate courses.
CONVENIENT & FLEXIBLE
AMU’s coursework is online with monthly start dates and no set login times.
RELEVANT
AMU offers 200+ programs in vital fields such as Business Administration, Criminal Justice,
and Cybersecurity.
STAR&SHIELD | SEPTEMBER 2021
AMU IS A PARTNER OF LASD UNIVERSITY.
Take charge of your future and learn from the leader:
AMUonline.com/StarShield
American Military University is part of American Public University System, which is accredited by the Higher Learning Commission (hlcommission.org) and certified to operate by SCHEV. American Military
University is not affiliated with the U.S. military. For more about our graduation rates, the median debt of students who complete a program, and other important information, visit www.apus.edu/disclosure.
11IN MEMORIAM | | End of Watch
Remembering Deputy Marshal Henry Wong
PPOA MEMBER WAS FIRST DEPUTY MARSHAL SHOT TO DEATH IN
HISTORY OF DEPARTMENT
Editor’s note: The following is an excerpt from A Tradition of Service Whittemore responded that Henry’s hair interfered with the wearing
by Retired LASD Commander Jay Sewards. of the uniform cap. Not one to back down, Henry went down to
T
the marshal supply and found the biggest uniform cap available. He
hroughout a 35-year career in law enforcement, one would wore it when he returned to administration.
expect to meet a lot of interesting people, and because It looked ridiculous but complied with all department
of the nature of the work, it was not uncommon to regulations. Captain Whittemore was not amused but never
experience tragedy. brought up Henry’s hairstyle again; however, he was not a fan of
Commenting on the former, one of the most interesting Henry and kept close tabs on him.
deputies I encountered was Deputy Henry Wong, the firstborn It was well known that Henry had connections in the Los Angeles
son of the Wong family. In Asian culture, firstborn children Jewelry Mart and was able to get substantial discounts on jewelry.
were expected to become role models for their younger siblings On one occasion, Marshal Mahon asked Henry to accompany him
by displaying high achievement, strong confidence, and good to the Jewelry Mart. Captain Whittemore noticed Henry leaving the
behavior. I am sure this was true for Henry.
Law enforcement is not generally seen by the Asian community
as an honored profession, and the recruitment of Asian officers
was always a challenge for police departments. Asian communities
often mistrust law enforcement because of cultural differences. I
am sure it was not easy for Henry to choose a career in the force,
as he came from a very wealthy and influential Chinese family that
owned several restaurants and the Garfield Bank.
I am sure there was pressure from the family for Henry as the
firstborn son to take over the family businesses. Despite all these
issues, Henry became a deputy marshal.
Well-liked by his fellow deputies, he loved being a peace officer.
Henry was the type of guy whom others enjoyed being around. He
seldom took a day off, and he would donate his vacation time to
others in need.
As strange as it sounds, he rarely cashed his county paycheck;
he considered it petty cash. I recall on several occasions he had to
be reminded by the department that his paychecks were only valid
for one year from the date of issue. I can tell you, this was never a
problem for most of us who were living from check to check.
I only share this to give you, the reader, an understanding
of how much Henry loved the job. And, as you might expect,
he had a lot of contacts in the community — it seemed that
STAR&SHIELD | SEPTEMBER 2021
everyone knew Henry.
When Henry was assigned to administration, he worked for a
captain who took exception to his hairstyle. Henry wore his hair
in a pompadour, combed into a high mound in front. It met all
department regulations requiring male deputies to maintain their
hair in a cut above the ears and not beyond the uniform shirt collar.
But Captain George Whittemore was not fond of it, to say the
least. (Captain Whittemore wore his hair “high and tight,” similar to
a military cut.) He directed Henry to get a haircut. Henry advised
the captain that his hair was in compliance with department rules
and regulations, and he had no intention of changing it. Captain
12End of Watch |
office and asked where he was going and when he would be back. Commander Johnson never knew how Henry had played
Marshal Mahon happened to be leaving at the same time. him. It was just another example of Henry’s irreverence; only he
Henry responded, “I am going with Jack. I will be back when could get away with such antics.
I get back.” And so it went with Henry and his favorite captain As I said earlier, tragedy and loss are, unfortunately, part of
— he was known to be somewhat irreverent when it came to the the job. On the evening of September 2, 1988, Deputy Wong
department brass. was working off-duty security at an Alhambra restaurant when
As the fleet manager, it was Henry’s responsibility to maintain he was confronted by Kien Vinh Ly. Wong ordered Ly out
the department’s vehicles. On one occasion, Commander Johnson of the restaurant for creating a disturbance and threatening
directed Henry to replace a hubcap that was missing from the patrons. As the restaurant was closing, just before 2 a.m., Ly
left front wheel of the commander’s vehicle. As you might expect, returned and shot Wong. Henry’s partner, Tim Perkins, also a
Henry, being Henry, ignored the commander. After all, Henry deputy marshal, heard the shots and came to assist him. When
had more pressing matters, like code 7, or as he would often say, Deputy Perkins arrived, the suspect had fled. Perkins requested
“Driving around in Chinatown.” Commander Johnson noticed that medical assistance and comforted his partner. Henry reportedly
Henry had not replaced the hubcap for several days. It went on for said to Perkins, “Tim, it hurts. Tell Judy I love her.”
some time. He summoned Henry to his office and ordered him to Deputy Henry Wong died a short time later at a local
immediately replace the hubcap. When Commander Johnson left hospital, age 40. He was the first deputy marshal to be shot
for the day, he was pleased to see that Henry had, in fact, replaced to death in the history of the Los Angeles County Marshal’s
the missing hubcap of the left front wheel of the commander’s Department.
vehicle. Unbeknownst to the commander, Henry had removed the I can still remember Henry’s funeral. It was attended by
hubcap from the right front wheel and reattached it to the left. Be hundreds of family, friends, and law enforcement officers
careful what you ask for; you might just get it. from as far away as New York City. Deputy Jim Vogts spoke
Some time later, the commander noticed that the hubcap was at the service, and I will never forget his words: “Henry loved
missing from the right front wheel of his vehicle. He contacted everybody, and everybody loved Henry.”
Henry, telling him, “You will not believe it, but the right front A fitting tribute to a unique and special friend of so many.
hubcap is now missing.” He will be missed.
STAR&SHIELD | SEPTEMBER 2021
13A S S O C I AT I O N N E W S Showing Support
Supporting Health and Fitness for Members
P
POA staff members delivered a treadmill and sanitizers
to the LASD gym at Antelope Valley College last
month. In a continuing effort to support members,
PPOA’s Star & Shield Foundation teams up with New
Life Cardio Equipment (NLCE) each year to secure a limited
number of treadmills and ellipticals for employee gyms at units
throughout the county. The machines are purchased by the
Foundation at discounted pricing and delivered by PPOA to
units in need of new exercise equipment.
PPOA has also arranged for NLCE to extend special
pricing to any PPOA member interested in purchasing cardio
equipment for personal use at home. Call New Life Cardio for
more info: (323) 345-7216.
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STAR&SHIELD | SEPTEMBER 2021
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14
TMC001-Ad-3.8125 x 5_FINAL.indd 1 1/11/21 7:37 AMJOIN US
Free for
Retired
PPO
Membe A
rs!
17TH ANNUAL
PPOA Retiree Luncheon
November 9, 2021
Sheraton Fairplex, Pomona
RSVP to (323) 261-3010
or info@ppoa.com
STAR&SHIELD | SEPTEMBER 2021
15A S S O C I AT I O N N E W S Above and Beyond
PPOA Members Spotted on the Socials
W
e are proud to see PPOA members and their
partners being acknowledged for their dedication
to the communities they serve. Images courtesy
of social media.
STAR&SHIELD | SEPTEMBER 2021
16Above and Beyond
ATTENTION
We need your personal
1 Your email address is not on file with PPOA, or
STAR&SHIELD | SEPTEMBER 2021
(non-LASD) email
PPOA address! If you have
not received an email
2 We have only your County email address (PPOA sends
MEMBERS membership-wide email blasts to personal addresses only).
blast from PPOA in
the last 30 days Either way, we need your personal (non-LASD) email address
(we’ve sent a handful), so that we can disseminate important news to you as quickly
that means: as possible. Please email your address to info@ppoa.com and
reference “email updates” in the subject line.
17A S S O C I AT I O N N E W S Above and Beyond
United States Police and Fire Championships
C
ongratulations to all of the first responders who
competed in 50 different sports at 35 venues
throughout San Diego County in June for the U.S.
Police and Fire Championships. We want to give a
special shout-out to the PPOA members who excelled, including
Custody Assistant Victor Fernandez, who earned a silver medal
with the LASD soccer team, and Custody Assistant Joshua
Lopez, who brought home a bronze medal in grappling.
The LASD silver-medal-winning soccer team
NS
Custody Assistant Victor Fernandez playing defense against NYPD
OA
O L
U T
A
NEW, USED, RATES
OR REFI 1 AS LOW AS
1.99 % APR*
STAR&SHIELD | SEPTEMBER 2021
APPLY ONLINE OR BY PHONE
WWW.POPAFCU.ORG 800.369.7672
Federally
Insured by
NCUA
*APR=ANNUAL PERCENTAGE RATE. RATES EFFECTIVE AS OF 09/01/2021 AND ARE SUBJECT TO CHANGE
WITHOUT NOTICE. THE RATE SHOWN REFLECTS OUR LOWEST ANNUAL PERCENTAGE RATES (APR), AVAILABLE
ON TERMS UP TO 48 MONTHS AND INCLUDE RELATIONSHIP BENEFIT DISCOUNTS OF 0.50%. PLEASE CONTACT
THE CREDIT UNION FOR DETAILS ON OUR RELATIONSHIP BENEFIT DISCOUNTS. ALL LOANS AND COLLATERAL
ARE SUBJECT TO APPROVAL. RATES VARY BASED ON APPROVED CREDIT AND LOAN TERM. SOME
RESTRICTIONS MAY APPLY.
PA
PAYMENT EXAMPLE: FOR EVERY $1,000 BORROWED FOR A TERM OF 48 MONTHS WITH A 1.99% APR, THE
MONTHLY PAYMENT WILL BE $21.69. LONGER TERMS ARE AVAILABLE (UP TO 84 MONTHS) AT HIGHER RATES.
APPLIES TO NEW, USED, AND REFINANCED VEHICLES ONLY. MAXIMUM FINANCING IS UP TO 125% Custody Assistant Joshua Lopez (center) with Deputy
MSRP/KELLEY BLUE BOOK VALUE. 1FOR CASH-BACK AUTO REFINANCES, THE MAXIMUM FINANCING IS UP TO
100% OF KELLEY BLUE BOOK VALUE. Christian Prieto and Custody Assistant Derek Hum
18RETIREE EVENTS 4 simple steps TO PLANNING AHEAD.
Law Enforcement Serra Retreat PPOA 17th Annual
October 1–3 at Serra Retreat Retiree Luncheon
House, Malibu November 9 at Sheraton
Open to active and retired Fairplex, Pomona, 12 p.m.
Free for retired PPOA members
Prescott AZ Area Retired Law + 1 guest each
Enforcement Luncheon RSVP to info@ppoa.com or
October 5 at Lone Spur Café, (323) 261-3010
Prescott
Info: ctln48@msn.com North Central Texas LASD
Retired HR-218 Qualifier 1. Reflect ON WHAT’S MOST 3. Secure YOUR PREARRANGEMENTS.
IMPORTANT IN LIFE.
L.A. County Marshal Old-Timers March 18, 2022, at
Luncheon Denton County S.O. 2. Record YOUR WISHES AND OPTIONS. 4. Share YOUR CONVERSATION WITH
YOUR LOVED ONES.
October 6 at Rodrigo’s Mexican Weapons Training Facility
Grill, Artesia 9 a.m.
12 p.m. Info: mwbaird.lasd206@gmail.com
WHY PLAN AHEAD?
Retired Female Deputies Social LASD Retiree Roundup › Ease financial burden for your loved ones. Call Mark Ortega today
› Secure peace of mind.
Club Annual Meeting April 3–6, 2022, at Riverside › Eliminate emotional overspending.
for a complimentary,
no-obligation appointment
November 5 cocktail reception Resort & Casino, Laughlin ROSE HILLS® IS A PLACE TO REMEMBER.
888-818-8664
(5–8 p.m.) at Ventanas Info: lasdretired.org > World-class chapels, facilities and service.
> An unparalleled selection of memorial
Restaurant & Bar, Pasadena properties, including custom designs.
November 6 luncheon at Noor LASD Homicide Bureau > Providers of compassionate care to the
community since 1914.
Restaurant, Pasadena 100th Anniversary
Block of hotel rooms reserved at Luncheon Get started with a free Personal Planning Guide.
The Westin, Pasadena June 2, 2022
RSVP by November 1 to Details TBA
nvwren@aol.com or (775) 751-8451
STAR&SHIELD | SEPTEMBER 2021
19ROOKIES ROOST
By Greg Torres,
PPOA Public Relations Coordinator
Catching Up With Retired PPOA Members
T
he pandemic has thwarted more impressive considering he devoted fine citizens of Los Angeles County. I’m
countless retiree get-togethers 34 years to the County before retiring gonna guess each of those 15 days after
over the last year and a half, so we from Employee Support Services. He the 35 years felt like an eternity! The
are pleased to offer the following now lives the good life in Missouri, where Nevada resident, who now enjoys traveling
updates we’ve received from your fellow he can often be found golfing, singing, throughout the U.S., summed up his
PPOA members since our last Retiree Report bicycling or sharing his faith as a chaplain. career succinctly: “LASD was a damn
12 months ago: I’m not sure what kind of music the good life for me.” Steve can be reached at
Robert Renteria is new to the world retired sergeant likes to sing, but it sounds sjskrnic@gmail.com.
of retirement. He finished his 29th and like Ray found the right harmony for life
final year of service to the County in in the Show-Me State. He can be reached
January 2021, but the rookie retiree is at ray032483@gmail.com.
clearly off to a solid start. The former Gary Thompson retired as a sergeant
Aero Bureau sergeant concluded his at Men’s Central Jail in 1998. The U.S.
questionnaire with these four words: Navy veteran has experienced much in his
“Boating and doing great.” From 23 years of retirement, including the loss
the skies to the seas, I’d say Robert is of his beloved wife, who was his faithful
navigating life at just the right pace. He travel companion for RV treks, vacation
can be reached at robrenteria1@msn.com. cruises and a memorable 50th D-Day
Ray Terhorst is currently enjoying anniversary at a cemetery in Europe.
his 20th year of retirement — a feat even Through it all, Gary has continued to
move forward and has the email address
(travelwithgary@aol.com) to prove it!
Denise Oglesby
William Ridgley retired as a sergeant
from TST in 2008 and, at some point
since that glorious Denise Oglesby retired as a lieutenant
transition, pulled up at HQ Detective Bureau-Narcotics Bureau
stakes and moved in 2016. Those who worked with her will
to Idaho. The U.S. probably not be surprised to learn life has
Air Force veteran not slowed at all in her first five years of
now enjoys history, retirement. Her words: “I continue to stay
exploration, reading physically fit by participating in running/
and travel. I’m weightlifting/swimming and bike riding.
guessing he chooses I stay active with my 3 Aussies who enjoy
travel destinations their daily walks/runs. I belong to a trail
in which each of William Ridgley running group and run different trails on
those interests can be the weekends… Recently, I hiked the John
appreciated simultaneously! William can Muir Trail with a girlfriend. It was 22 days
be reached at ridge.meister@yahoo.com. and 219 miles to include Mt. Whitney on
STAR&SHIELD | SEPTEMBER 2021
Steve Skrnich retired from COPS the 3rd day. Beautiful trail and met a lot of
Bureau in 2015 after dedicating 35 years, people from around the world.”
15 days and 9 hours of service to the Denise also shared this about her
Ray Terhorst
gratitude for a memorable 34-year
career: “I will miss the many laughs
Rookies Roost is a column that chronicles the lives of some of the most interesting on the job. I worked ELA Station as
people we know: retired PPOA members. It first appeared in Star & Shield magazine a young deputy with some of the best
in 1973, and we are grateful to those who have authored the column over the years, street cops on the department. I had
including Ev Carter, Lee Mealy and Bob Lindsey. From time to time, PPOA sends surveys some great partners and shared many
to retired members, and we appreciate so many of you who have taken the time to share adventures with them. I worked Narco
your stories with us over the years. You can email Greg Torres at gtorres@ppoa.com. for 12 years as a detective and every day
20was interesting as we never knew when we would get home. My veteran enjoys retirement in sunny Southern California and can be
best assignment in narcotics was working the LAX Narco Task reached at agprell@aol.com.
Force with LAPD and the DEA. One of the best kept secrets Mike O’Shea retired as a lieutenant at Narcotics Bureau in
on the job. I had a great career & I worked the jobs I wanted.” 2019. The two years since then have been focused on the pursuit
Denise can be reached at 1nittyo@gmail.com. of his two main interests (other than his wife, of course!): boating
Don Ott put in a solid 35 years of work for the County and and traveling. Mike, there’s a lot of water on this planet, but if
has followed that up with (so far) 31 years of retirement! Throw in you happen to bump into retired Sergeant Robert Renteria (fellow
15 years of service in U.S. Army and Army Reserves, and I’d say boating enthusiast mentioned in this article), please tell him we
Don has earned the right to recline and put his feet up. Instead, he said “ahoy.” Mike can be reached at maoshea221@gmail.com.
continues to keep busy with part-time employment at a local gun Richard B. Olson retired from Lennox Station in 1980. For
shop and traveling with his family to trapshooting those of you who are mathematically challenged like
pistol competitions. In fact, the retired sergeant says me, that was 41 years ago (confirmed by counting
he has been “all over the U.S. visiting native ruins and all my fingers and toes, twice!) Talk about retirement
other points of interest such as caves and caverns.” done right. The U.S. Army veteran has been a PPOA
Sounds like Don’s schedule is full of the things he member since 1955, worked almost his entire 28-year
enjoys most, and that is a worthy retirement! He can career at Lennox Station and “was one of two deputies
be reached at donandb2db@yahoo.com. first assigned to the Marina day car before it was a real
Norm Prell retired as a deputy at HQ Robbery station.” Richard now lives in Northern California and
Norm Prell
in 1990 after 31 years of service. The U.S. Navy can be reached at olson2932@att.net.
MEMBERS CAN WIN!
CONTACT: ROBERT RECIO (909) 262-9622
IT PAYS TO READ
CENTRAL FORD: (562) 927-7888 X126
Every issue of Star & Shield will feature a different hidden
word. The word will be used only once in the entire magazine
— your challenge is to find it!
Members who find the hidden word and register through our
STAR&SHIELD | SEPTEMBER 2021
website (PPOA.com) by the end of this month will be entered
into a drawing for one of three $100 prizes. Contest ends
September 30, 2021, at 11:59 p.m. PT.
This month’s hidden word is:
Exacerbate
To make worse or more severe
Online registration only. Please do not
call the PPOA office to register for contest.
21PPOA Committees and Staff
✪ 2021 STANDING COMMITTEES ✪ STAFF MEMBERS
Associations Insurance 631 Negotiations Wayne Quint Jr. Art Reddy
› Chairman Rhodes › Chairman Lee › Chairwoman Kato Executive Director Legislative Consultant
Bylaws Legislative 632 Negotiations Richard Escalante Shannon Schreck
› Chairman Coleman › Chairman Reddy › Chairwoman Kato Field Representative Receptionist
Clare Franco Kevin F. Thompson
Communications Membership Retiree Liaison Administrative Assistant Intake Representative
› Chairwoman Escobedo › Chairman Romo › Chairman Schallert
Lang, Hansen, Giroux Greg Torres
Delegates 612 Negotiations Scholarship and Associates Public Relations Coordinator
› Chairman Blankenship › Chairman Rhodes › Chairman Romo Legislative Representatives
Maricela Villegas
Elections 614 Negotiations Teresa M. O’Neil Executive Administrative
› Chairman Blankenship › Chairman Lee Labor Representative Assistant
Violet Perez Venise Wallace
Finance 621 Negotiations Administrative Assistant Sr. Labor Representative
› Chairman Maus › Chairman Blankenship
FOLLOW LAPPOA ON FACEBOOK
In addition to breaking news and
announcements, the “LAPPOA” Facebook
page features more than 2,000 photos
and videos from events, graduations,
memorials, dedications, ceremonies
and other noteworthy occasions. We’re
honored to document the diligent work
of PPOA members and meaningful
moments for our law enforcement family.
STAR&SHIELD | SEPTEMBER 2021
www.facebook.com/LAPPOA
22JOIN US
Law Enforcement Serra Retreat
October 1–3, 2021
The weekend of October 1–3, 2021, marks the 75th anniversary of the Sheriff’s Department law enforcement retreat at
the Serra Retreat house in Malibu. Retired Commander Tom Vetter took great pride in organizing and mentoring the law
enforcement Serra Retreat group for over 60 years. On January 16, 2021, sadly, Tom passed away from COVID-19. Tom was
excited about planning the big 75th anniversary of our group’s attendance at the retreat house. The planning committee is
planning a special weekend to honor Tom and a life well lived, both personally and professionally, as well as celebrating all
of his contributions to the Serra Retreat and our special group.
The retreat house is open for retreats and following the state and CDC guidelines regarding cleaning protocols, social distancing
and mask wearing. All home-cooked meals and voluntary presentations will be conducted in the open air. The retreat house is a
38-acre Franciscan facility located on a hilltop in Malibu. Keep in mind, outside patios are surrounded by immaculately maintained
gardens, pathways and trails throughout the property, with breathtaking views overlooking the hills and the beautiful Pacific Ocean.
The retreat staff has made adjustments to the room assignments in order to meet standards set by the state and CDC. Each
couple or individual will have a private bedroom and bathroom. Because of safe distancing, there will be fewer rooms available.
Attendance will be based on confirmed commitments.
When attending, you have opportunities to go on quiet walks and enjoy the beautiful scenery in the Malibu Hills. You may
also choose to quietly reflect and enjoy the beautiful setting by relaxing in the informal environment, or you may just need
sleep and great home-cooked meals. Positive, uplifting presentations are also offered to everyone on a voluntary basis. Many
retreatants enjoy walking or running down to the beach.
Those of you who are attending the retreat will begin your experience by checking in anytime after 1500 hours on Friday,
October 1. Try to avoid traffic by leaving early. Friday’s dinner will be served from 1700 to 1900 hours to accommodate late
arrivals. Checkout time will be approximately 1200 hours on Sunday, October 3.
The Serra Retreat house is located at 3401 Serra Road, Malibu, 90265. Serra Road is located between Sweetwater Canyon
Road and Cross Creek Road, directly off the Pacific Coast Highway. It is south of the old Malibu Sheriff's Station and across
from Malibu Lagoon State Park.
All religious denominations are invited. This retreat is open to all members, both sworn and professional staff, active and retired,
from all Los Angeles County law enforcement agencies. Spouses, relatives and friends are also welcome to attend.
For further information regarding the cost and reservations, please contact any of the following:
Patty Norris Jay Sevoian John Valencia Gino Reale
(818) 381-7698 (661) 992-4369 (951) 316-3633 (661) 425-1219
Chuck Norris Andy Thompson Leo Bauer Tony and Shiela
(818) 381-7649 (714) 293-5898 (661) 388-9650 Martins
(562) 753-1963
Michelle Emeneger Chickee and Ingrid Jefferys
(714) 293-3891 Norm Nelson (909) 234-8151
(562) 760-0875CALENDAR OF EVENTS
These events and more can be found on PPOA’s
online calendar at PPOA.com. Do you know
of a Department-related event we can help
promote? Email details to gtorres@ppoa.com.
Congratulations to the following PPOA members
September 18 San Dimas Canyon
for winning the “Find the Hidden Word” contest in LASD Motorsports Fifth Golf Course
Star & Shield. If your name is listed, that means Annual Car Show Contact: rjcosta@lasd.org
your entry was drawn as one of the winners for Cerritos Sheriff’s Station
that month’s issue. Please call Greg Torres at (323) 9 a.m.–2 p.m. October 7
261-3010 to claim your $100 check. Contact: PPOA Delegates Meeting
info@lasdmotorsports.com Almansor Court, Alhambra
CONTEST WINNERS Must RSVP by 9/17/21:
October 2 info@ppoa.com
LASD Community Advisory
$100 PRIZE WINNERS Council Car Show November 13
(August issue — the hidden word STARS Center, Whittier Officer Anthony Thompson 5K
appeared on page 21) Run/Walk
10 a.m.–3 p.m.
Contact: asbensah@lasd.org L.A. Harbor College
Christian Marmita, Custody Assistant
Julie Orloff, Sr. Criminalist Hosted by Families Against
Refugio Quevedo, Crime Analyst October 4 Wrong-Way Drivers
L.A. Sheriff’s Athletic Info: fawwd.org
Association Golf Tournament
Exclusive Deal for
PPOA Members
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risks — the last thing you need is to bring
VACY
the risk back home to your family. That’s why
YO U R P R I
removing your private information from the
internet is crucial. LEO Web Protect is a privately
owned corporation operated by active and retired
law enforcement officers. Their sole mission is
to assist peace officers, judges, public defenders
STAR&SHIELD | SEPTEMBER 2021
and their families in removing their private
information from the internet. PPOA members are
entitled to a significant discount by using the link
below. The annual cost is normally $99.99 per
year, but PPOA members pay only $80.64.
For more information: leowebprotect.net/lappoa
24END OF WATCH
PPOA extends sincere condolences to the families of the following members
who passed away in June and July:
Retired Lieutenant Retired Deputy Retired Deputy
Derry Benedict Thomas Brown Raymond Salazar
EOW: June 9, 2021 EOW: June 23, 2021 EOW: July 4, 2021
Academy Class #122 Academy Class #93 Academy Class #61
Email condolences to the U.S. Navy veteran U.S. Navy veteran
family: puppyluv998@yahoo.com Email condolences to the
Retired Captain family: tmsmich@aol.com
Retired Deputy Hugh McDonald
Kenneth Grigsby EOW: July 2, 2021 Retired Sergeant
EOW: June 11, 2021 U.S. Navy veteran Rudy Lovio
Academy Class #123 Email condolences to the EOW: July 14, 2021
Email condolences to the family: ideafilter@gmail.com Academy Class #116
family: kgjg0705@yahoo.com Email condolences to the family:
Retired Sergeant lisalovio@yahoo.com
Retired Deputy Paul Mondry
Bruce Bregger II EOW: July 2, 2021 Retired Deputy
EOW: June 22, 2021 Academy Class #165 Robert Fender
Academy Class #175 U.S. Marine Corps veteran EOW: July 22, 2021
Academy Class #142
Retired Deputy U.S. Army veteran
Larry Quirol Jr. Email condolences to the
EOW: July 2, 2021 family: rhfenderjr@gmail.com
Academy Class #273
Retired Lieutenant Retired Deputy Retired Captain
Derry Benedict Thomas Brown Hugh McDonald
(EOW: 6/9/21) (EOW: 6/23/21) (EOW: 7/2/21)
STAR&SHIELD | SEPTEMBER 2021
Retired Sergeant Retired Deputy
Paul Mondry Raymond Salazar
(EOW: 7/2/21) (EOW: 7/4/21)
25MONEY MATTERS
By POPA Federal Credit Union
Using Retirement Savings for Your Child’s
College Expenses
A
2020 survey from Sallie Mae and Ipsos asked
American families how they would cover college
expenses. Fourteen percent of parents responded
that they would dip into retirement savings to help
with their child’s tuition costs. This high number is a sign that
families are keeping education a high priority. Of course, families
who do this have all the best intentions in mind; however, their
efforts are poorly managed. Here’s why.
1. In general, early withdrawals from retirement
accounts are liable for a 10% tax penalty in addition
to any normal taxes due. It is financially prudent to
allow retirement savings to grow on their own and
preserve their tax-deferred status. Pulling money out
early does more harm than good.
2. You can borrow for college, but you can’t borrow for
retirement. When parents reach retirement age, time
has run out to save more money. Once savings are used
for other expenses, they are gone forever and all the tax
incentives for saving all these years go with it.
3. How many semesters can you cover with retirement
savings? Savings will run out faster than you think. If
savings can only pay for a few semesters, how will the
tuition get paid in the later semesters?
From a college planning perspective, parents should not
rely on retirement savings to pay for tuition. The right source
for college savings would be a 529 plan, with tax incentives someone else pays for something on your behalf, the intrinsic
for saving money for college. However, it takes several years value of that good or service is easily ignored. However, when
of saving to build up any substantial 529 account. you personally pay for something, you know firsthand what
If a family has been unable to save money in a 529 plan, value is exchanged. It is no different with college students.
then they should look into student loan options to cover the It is wonderful when someone else can pay for tuition, but
rest of the bill. One option is the Parent Plus loan offered when a student pays for tuition using their own resources,
by the Direct Loans Program. The Parent Plus loan offers a they tend to take that education much more seriously. Quite
fixed rate and is a popular option with many families. The simply, you appreciate things when you invest your own
loan is only in the parent’s name and begins full repayment resources in them, and less so when someone else does the
immediately while the student is in school. paying.
A private student loan is another alternative. Using a Parents, you can best help your children by discussing and
private loan enables the student to pay for college now and researching colleges and majors with them that will provide a
STAR&SHIELD | SEPTEMBER 2021
handle repayment over time. Rather than depending on solid career and future.
the parents to use retirement money, the student takes an Here at POPA FCU, we have a partnership with Sallie
active role in handling their own tuition. Parents can co-sign Mae to help make higher education a reality. Additionally, we
with their children to help get them credit-approved while offer a K–9 $avers account for kids ages 0–17 and a Bulldogs
in school. Many private lenders allow for the co-signer to checking account with debit card for teens 14–17 years old.
be released from the loan if the primary borrower makes a There is even a Bulldogs Visa credit card with a credit limit
certain number of payments on time. up to $1,000, should you feel that your teen is ready to start
building their credit early (parent or guardian must be a
WHO IS PAYING THE BILLS? co-applicant).
People take a different approach to making financial Call POPA Federal Credit Union at (562) 229-9181 or
decisions based on who is actually paying the bill. When visit us at www.popafcu.org for more information.
26You can also read
