In the best of times, community bicycle shops bring a sense of community along with bike repairs and services to underserved communities. They typically survive on small donations, sales of parts or used bikes, and lots of volunteer time.
With the bicycle emerging as the vehicle best suited to roll us safely through the rest of the pandemic, the mission of community bike shops is more important than ever.
I spent almost $600 in April on services I didn't get, but I don't mind because that money keeps my community intact
I'm normally frugal. I hate being overcharged or paying for something I didn't get. But now I'm willingly paying for services I can't use. I wish I could pay for more.
I'm keeping my gym membership active even though the gym is closed, and I'm paying my house cleaner not to come.
Unless my financial situation takes a nosedive, I intend to continue paying for things I can't use as long as we are staying at home. It's my way of supporting my local community.
Florida has been famous for its orange crop and orange juice since Anita Bryant first plugged it in the 1970s. The state still produces more than 70% of the citrus in the US.
So you might be surprised to find out that Florida is home to nine out of the top 25 beef producers in the US. While the orange crop is the state's biggest agricultural output, its No. 1 international agricultural export is actually meat.
When you think of Florida, you might think of D...
I've done this for years - first in a little notebook and later in spreadsheets. When that got to be too much trouble, I downloaded .
My wife will still have a home if I die because I spend $32 a month on life insurance, and it's worth every penny
Many employers offer a life insurance benefit. These policies are usually fairly small, often paying out about $10,000.
I bought additional coverage to ensure that my wife can afford to stay in our home if something happens to me.
I had no idea how to build an emergency fund until a friend gave me a 3-month savings challenge that changed my life
I was never great at saving, so when I found out I was getting a $5,000 tax refund one year, I made a $15,000 list of things to spend it on.
I asked a friend to help me narrow down my list, and he suggested I put the money in savings for three months before I spend anything.
My financial planner's advice during the last recession helped my retirement savings grow by 30%, and I'm following that advice again now
Despite the fact that the stock market is on a steep downward trajectory, I'm not worried about my investment accounts.
During the last recession, my financial planner advised me to hold steady to my investment strategy. That was great advice.
I love filing a joint tax return with my wife because it saves us a ton of money — and affirms our legal relationship
My wife and I weren't able to file a joint federal tax return for the first 18 years we were married because, as a same-sex couple, the IRS didn't recognize our marriage.
Now we file as a married couple filing jointly. That means we pay less income tax and our bill for tax preparation is lower.
Combining our income also allows us to pursue a unified tax strategy during the year to ease our tax burden.
I cheated myself out of almost $100,000 by spending my retirement funds early, but that mistake taught me a lesson I live by
I liquidated a retirement account I had in my 20s, confident I would replace the money — someday. That was an investment mistake.
If I had left that small, early investment alone, it would have grown by as much as 600% in the years since then.
Now, my best strategy for growing my retirement savings is to simply leave it alone.
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I bought a condo with a subprime loan in 2004, but refinancing my mortgage means I now have cheap, stable housing in the Bay Area
My wife and I didn't have much money when we started looking for a house to buy in the San Francisco Bay Area. Owning our own home seemed like an impossible dream, but first-time homebuyer's assistance helped us make it happen.
We purchased our house with a subprime mortgage that would have crushed us if we'd had to keep paying it long term, but we were able to refinance for a fixed-rate loan right before our original loan was set to change rates.
I spent $3,000 on a financial planner, but the investment plan she made me has already returned that money many times over
Working with a financial planner has saved me a lot of stress over the years. It has also helped me save a substantial amount of money.
For about $3,000, my financial planner put together an investment plan that has returned that many times over.
Above the storefronts, seniors gather during the day to play mahjong, socialize, even practice Chinese opera.
“There’s a life here that you would never know,” said Tamiko Wong, executive director of the Oakland Asian Cultural Center (OACC).
Part of the glue that holds Oakland’s Chinatown together, according to Wong, is its intergenerational appeal. “On any given day, you’ll see these grandparents picking up their grandchildren,” Wong said. “They’re doing things you can only do when you walk.” The density of the neighborhood makes it a great place for seniors.
Oakland’s Housing Assistance Center works to connect seniors with support and services to help them stay in their homes. Many private organizations throughout Oakland also provide much-needed services. Here are just three of the nonprofits, whose innovative approaches are helping low income seniors age with grace and ease.