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.
No city can meet its sustainability goals without support from the private sector. Businesses create the lion's share of emissions in any given city — while also supplying the bulk of city tax revenues — making their participation crucial for any municipal action plan to be effective.
That was the consensus among sustainability officers from three major cities who spoke during this week's GreenBiz Group webcast Sustaining America’s Cities: The Role Businesses Can Play.
Utilities as we know them today have a maximum of about 15 good years ahead of them.
That is if they don't shift their business models away from traditional fossil fuel sources before customer defections and stranded assets diminish revenues so much that they won't even have the funds needed to reverse course with investments in technologies and load shifts, according to two separate studies being released today.
Rapidly-falling solar prices, along with technological advances in battery stora...
Today's overheated Bay Area real estate market is very different for buyers than the real estate bubble of the mid-2000s.
“There have been a lot of all-cash deals,” says realtor Martha Hill of Pacific Union, noting that cash appeals to sellers who want to close the deal more quickly (escrow for an all-cash deal is usually about 14 days, as opposed to 21 days or more when a bank loan is involved).
“This is new. I don’t remember it 10 years ago at all,” Hill says.
People take yearslong career breaks to raise children, care for sick relatives, go back to school, and plenty of other reasons.
Taking time off from your career doesn't mean you can't reenter the workforce. There are several careers that are relatively easy to resume after five years or more of not working.
Some career breaks are planned, while others might happen unexpectedly.
A deadly earthquake took place 30 years ago today in the San Francisco Bay Area — here's what it was like to live through it, according to someone who was there
The Loma Prieta earthquake took place in Northern California on October 17, 1989 — 30 years ago today.
The violent quake killed 63 people in the Bay Area and injured almost 3,800 more. It caused the Cypress Freeway to collapse, along with numerous buildings and part of the Bay Bridge.
In this story, author Laura McCamy recalls what it was like to live through the earthquake — and how the impact lingers to this day.
The view from the West Coast of the US is a bit different. There are some things you can't understand unless you live in California.
Of course, there's more than one California culture. There are almost as many Californias as there are people living in the state.
There are a few things, however, that many Californians share. Here are 10 things that most residents of the Golden State will immediately recognize.