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Thank You For Your Service: Chief Victor Hugo Moreno

Chief Moreno

Chief Moreno

SAN BERNARDINO, CA- After 24 years of dedicated service to the United States Navy and years of helping to preserve our freedom, Chief Victor Hugo Moreno, 42, will retire on Friday, July 18. Moreno dedicated his life to the service at the young age of 18, and due to being away for work he missed the birth of his four children, their first steps, their first day of school, and the birth of his first grandchild; however, he will not get to spend time with them, who are all now adults.

Prior to his military days, Moreno and his family moved to California from Mexico in 1976 and settled in San Bernardino in 1984. He then graduated from San Bernardino High School in 1990, and from there he joined the Navy. After his basic training he went home and married his wife the former Conna A. Turner.

During his years of service he served as a Logistics Specialist where he completed two Western Pacific Deployments (WESTPAC) “91-92” and “93”. In October of 1994, he transferred to his first Shore Duty at Naval Sub Base Pt. Loma, San Diego.  Picked up SK2 during this time, but more importantly his youngest son, Emmanuel A. Moreno, was born.

In July of 1997 he reported to PCD (Pre Com Detachment) Pearl Harbor and in January of 1998 he went to Avondale, New Orleans along with his crew to take the USS PEARL HARBOR (LSD-52), a Harpers Ferry class Amphibious Assault Ship, from the shipyard. It was there that he completed two more  WESTPAC’s, “00” and “01-02”. He also finished his Enlisted Surface Warfare Specialist qualification (ESWS) during this time, and was meritoriously promoted to SK1 under the Command Advancement Program (CAP) in Jun of 2001.

Moreno has received several awards for his service, which include the Navy Commendation Medal (three awards), Navy Achievement Medal (four awards), Good Conduct Medal (seven awards), and various unit and campaign awards.


San Bernardino Seeking Sponsors for 2014 Miss Cardinal City Pagent

Past Winner-Miss Cardinal City pageant

SAN BERNARDINO, CA- San Bernardino High School is seeking sponsors for its 10th annual Miss Cardinal City pageant, scheduled for Saturday, September 20 at Sturges Center for the Fine Arts. Bilingual School Outreach Worker Jamie Rios founded the Miss and Mr. Cardinal City pageants to promote school pride and self-esteem among the students. The pageants have blossomed into a chance for students to develop leadership skills and become involved in their community.

Miss Cardinal City contestants, all high school seniors, compete in both on- and off-stage events. A panel of community judges will rank contestants in the September 20 on-stage events, including evening gown, interview, and sportswear. Off-stage rankings include grades and attendance.

Rios hopes local businesses will support the school and young ladies by sponsoring the event with cash or in-kind donations. Miss Cardinal City 2014-2015 will represent San Bernardino High School alongside reigning Mr. Cardinal Samuel Moreno and his court, Rosalio Cruz and Joseph Ortega.

Sponsors for the Mr. Cardinal City 2014-2015 pageant, held in April, included Toyota of San Bernardino, Fairview Ford, D’Arca Formal Wear, San Bernardino Councilwoman Virginia Marquez, Pat Williams of Angels’ Closet Charities, First Presbyterian Church, Mr. & Mrs. Robert Hickey, Trophy House, Mr. Jim Smith, The Way World Outreach, Mr. & Mrs. Daniel Arellano, The Sun newspaper, Dr. and Mrs. Michael A. Lawrence, San Bernardino High Class of 1952, and Stater Bros. Markets.

To sponsor the Miss Cardinal City pageant, contact Jamie Rios at (909) 881-8058.

Preparing your finances for the holidays

Rudy Maldonado

Rudy Maldonado

By Rudy Maldonado, Vice President and Branch Manager (MUFG Union Bank, N.A.)

Every year, it seems stores start playing holiday music and decorating earlier than the year before.  By mid-summer, most national monthly magazines have already completed their special holiday issues, and many financial advisors agree that this a good time to start saving for the holidays.  Whether you are setting a gift budget, making travel plans or scheduling a holiday party, you’re more likely to have a realistic view of your finances and stay within your budget when you aren’t under the pressure of a tight deadline.  In addition to preventing a post-holiday spending hangover, getting an early start on your financial holiday planning may also allow you more time to enjoy the season. Here are some suggestions to consider:

Make a list and check it twice

Develop a list of the people you usually buy gifts for during the holidays.  Next, make a list of items you normally buy this time of year, such as greeting cards, contributions to charitable organizations, holiday meals and traditions, travel and entertainment.  Take inventory of what you already have – wrapping paper, decorations, stored gifts, etc.  Consider selling surplus items online or at a yard sale for extra cash to add to your holiday budget or savings.

Develop a budget and save

Once you’ve taken inventory, determine the maximum you can spend on each item to help determine your budget and the amount you will need to save over the next few months.  It might be helpful to look through last year’s receipts or billing statements to get an idea of how much you spent.  Developing a spending plan before you begin shopping may also help you avoid impulse buying.

To help boost your holiday savings, establish automatic transfers or have part of your paycheck deposited into a targeted savings account.  You might also consider additional seasonal work to bring in more cash, or cut back on your everyday spending.  If you’re still coming up short, early preparation will allow you time to manage the expectations of your family and friends accordingly.

Shop early and take advantage of sales

We all know that seasoned gift giver who completes his/her holiday shopping by September.  Start comparison shopping now for gifts, and keep an eye out for coupons and online deals.  Look into high-demand items that might be more expensive and difficult to obtain during the holidays, and make those purchases when you have the available cash.  It may also be prudent to take advantage of end-of-summer sales, Thanksgiving or Black Friday specials and other opportunities to save.

Keep track of purchases

Keep your holiday gift list handy by considering a smartphone application such as Santa’s Bag-Christmas Gift List (available through the AppleApp StoreSM) that helps manage gift recipients, shopping and budget lists.  Designate a secure spot in your home or garage where you can store gifts and other items, and if you also get a jump on wrapping, be sure to label each gift for easy identification.

Get crafty

Giving handmade gifts can help save on your holiday budget, and starting now will give you plenty of time to get crafty.  For example, if you have a green thumb, planting an inexpensive bulb in the fall will often provide you with a beautiful blooming plant to give in time for the holidays.  For other DIY ideas, there are numerous resources online.

Book travel early

Fares often increase closer to the holidays, so try to book airline and hotel reservations in advance for potential savings.  You will generally get a lower rate if you purchase at least 21 days in advance, so do some research now.  Check with your employer or organizations you may belong to, such as AAA and AARP, to explore travel discounts, or visit online travel sites that might also help you save.

The foregoing article is intended to provide general information about preparing financially for the holidays and is not considered financial or tax advice.  Please consult your financial or tax advisor.

About MUFG Union Bank, N.A

Rudy Maldonado is a vice president and branch manager of MUFG Union Bank, N.A.’s, Coronado Branch.  MUFG Union Bank, N.A., is a full-service bank with offices across the United States.  We provide a wide spectrum of corporate, commercial, retail banking and wealth management solutions to meet the needs of customers.  The bank also offers an extensive portfolio of value-added solutions for customers, including investment banking, personal trust, capital markets, global treasury management, transaction banking and other services.  With assets of $106.7 billion (USD), as of March 31, 2014, the bank has strong capital reserves, credit ratings and capital ratios relative to peer banks.  MUFG Union Bank is a proud member of the Mitsubishi UFJ Financial Group (NYSE: MTU), one of the world’s largest financial organizations with total assets of approximately ¥258 trillion (JPY) or $2.5 trillion (USD)1, as of March 31, 2014.  MUFG Americas Holdings Corporation, the financial holding company and MUFG Union Bank, N.A. have corporate headquarters in New York City.