Sun04262015

News

LAH resident killed in cycling accident

LAH resident killed in cycling accident

A longtime Los Altos Hills resident and philanthropist struck by a bicyclist Monday (April 20) while walking along Page Mill Road has died from the injuries she sustained.

Kathryn Green, 61, died a day after the accident, according to the Santa Clar...

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Schools

LASD Junior Olympics scheduled Saturday

LASD Junior Olympics scheduled Saturday


Town Crier File Photo
The Los Altos School District Junior Olympics are slated Saturday at Mountain View High School. District officials say the opening ceremonies, above, are always memorable.

Los Altos School District fourth- through sixth-grader...

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Community

Altruism, adventure in Africa: Los Altos couple relates experiences in new book

Altruism, adventure in Africa: Los Altos couple relates experiences in new book


Courtesy of Wendy Walleigh
Rick and Wendy Walleigh spent a year and a half in Swaziland and Kenya.

Los Altos residents Rick and Wendy Walleigh experienced long, successful high-tech careers. But retirement? No, it was time for an encore.

Leavin...

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Sports

Workout warriors

Workout warriors


Megan V. Winslow/Town Crier
Los Altos High gymnast Jessica Nelson soars by coach Youlee Lee during practice last week. Lee is a 2005 Los Altos High grad.

Some coaches would like to see their athletes work harder. Youlee Lee has the opposite problem ...

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Comment

Ending the debate: No Shoes, Please

In a general sense, everything is up for debate with me: What do I cook for dinner? Did I do the right thing? What color paint for the bedroom? Do I really want to go? Has the team improved? What difference does it make? Should I give him a call? Is...

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Special Sections

Fitness focus: No holds barred for Los Altos sisters

Fitness focus: No holds barred for Los Altos sisters


Photos Courtesy of Barre 3
Gillian Brotherson, kneeling at left, guides studio instructors through a workout at barre3 Los Altos.

Health is all about balance. That’s what two Los Altos natives learned as they navigated work, motherhood and welln...

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Business

Physical therapist brings business background to new Los Altos clinic

Physical therapist brings business background to new Los Altos clinic

Courtesy of Eliza Snow
Strive owner Robert Abrams, kneeling, runs a balance test.

With more than a dozen physical therapy clinics in Los Altos, one new business owner streamlined his approach in an effort to set his practice apart.

“I always wan...

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Books

People

CAPTAIN: CHARLES THOMAS MINOR

CAPTAIN: CHARLES THOMAS MINOR

Age 96

December 7, 1918  - March 28, 2015 

Chuck passed away peacefully in the home he built in Los Altos surrounded by his beautiful wife of 69 years, Bonnie, his two sons and their spouses, David Minor & Caryn Joe Pulliam; Steve &...

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Travel

Cuba libre: Local residents join mad rush of travelers

Cuba libre: Local residents join mad rush of travelers


Natalie Elefant/Special to the Town Crier
Los Altos resident Natalie Elefant noted the vibrant street performances as a traveler in Cuba.

The U.S. restored diplomatic relations with Cuba late last year, enabling Americans to import $100 worth of cig...

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Stepping Out

Stage fright

Stage fright


Joyce Goldschmid/Special to the Town Crier
“The Addams Family” stars, from left, Betsy Kruse Craig (as Morticia), Joey McDaniel (Uncle Fester) and Doug Santana (Gomez).

The Palo Alto Players production of “The Addams Family”...

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Spiritual Life

Magazine

Food for thought: Hidden Villa programs offer teens training in sustainability on the farm

Food for thought: Hidden Villa programs offer teens training in sustainability on the farm


/Town Crier It’s not all cute and cuddly for teens participating in the eight-week Animal Husbandry Apprenticeship program at Hidden Villa in Los Altos Hills. Mia Mosing of Palo Alto, left, and Sophia Jackson of Los Altos clean the pigpens – one of...

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Inside Mountain View

Up to the challenge: Local leaders unite to help at-risk youth

Up to the challenge: Local leaders unite to help at-risk youth


Courtesy of Challenge Team
Jeanette Freiberg, bottom of pile, has fun with family members. The Challenge Team named Freiberg, a student at Mountain View High School, its 2015 Youth Champion.

There’s an ongoing joke among members of the Challenge...

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Tips From The Auto Brokers: Don't be fooled leasing companies: they're just like dealership

If you are like most people, your first thought of acquiring a new vehicle is a happy one: you behind the wheel of that hot new car of your dreams.

Your second thought is a little less scintillating: you walking into a dealership, like a fly into a spider's web.

As we've stated previously, dealerships are like casinos; they build big, fancy showrooms to lure you in, persuade you that you somehow are going to come out ahead in the car-buying or leasing process and then take as much of your money as they can over a period of several hours.

Leasing companies differ from dealerships in that they don't have showrooms, and they offer you more personalized service. They may go so far as to insinuate that they exist to save you money in your lease transaction.

But don't be fooled: leasing companies, like dealerships, are in the business of making as much money on your leased vehicle as possible.

They don't open up their doors to help you; they open up their doors to help themselves to your money under the guise of helping you.

We've made this point before, but it bears repeating: leasing an automobile is a complex transaction in which the consumer is at a distinct disadvantage. This is due to the lack of federal regulations pertaining to disclosure of what is known as the money factor, or buy rate.

This is the rate the leasing bank charges for the lease. But while the dealership or leasing company is privy to this internal rate, the consumer is not, and typically it is marked up substantially, without consumer knowledge.

We cannot stress enough what a slippery slope this can be for you, the consumer. Your best bet always is to find a broker to act as your agent, in your best interest, to protect you from being gouged.

But we know some of you are stubborn, and others may be convinced that you are the best negotiators walking the earth.

Here is a tip for ye of little faith.

Besides your monthly lease payment, the most significant factor to you in your lease transaction probably will be your out-of-pocket expense prior to delivery. This is the amount for which you will write a check upon signing the lease - your total drive-off. This is not the same as your down payment.

With a leased vehicle, the Gross Capitalized Cost (commonly, the "cap cost") is equivalent to the cash price. When the dealer or leasing company gives you a down payment figure, remember that technically down payment translates into the capitalized cost reduction, or the amount by which you effectively pay down the lease in advance in order to reduce your future monthly payments.

Added to your down payment are the following items: first monthly payment; refundable security deposit (if applicable); licensing fees and any other applicable fees, such as the $5 California Tire Disposal Fee; luxury tax (if applicable); and state sales tax.

In other words: ask for your total drive-off; don't be misguided by the term "down payment."

And don't forget that for every leased vehicle there is a bank acquisition fee, charged by the bank to the dealer for "doing" the lease. This is a mandatory fee that represents yet another opportunity for the dealer or leasing company to mark up the cost of your lease - in this case, an average of an additional $300 to 400 of free money hidden in your lease.

For dealerships and leasing companies, profit is the name of the game; and you, the consumer, are the profit source.

Beware of the wolf in sheep's clothing.

Hammer and Kelly are associated with Hammer Auto, a new car auto broker in Palo Alto. For more information, call 813-6100 or visit the Web site at www.hammerauto.com.

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