Sun05012016

News

Loyola Corners economics, traffic rise to top of planning concerns

Loyola Corners economics, traffic rise to top of planning concerns

Alicia Castro/Town Crier
Loyola Bridge construction parallel to the Fremont Avenue frontage may lead officials to alter circulation plans for the area.

Loyola Corners stakeholders last week mulled the issues that will likely shape the area&rsquo...

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Schools

LAHS Green Team commemorates Earth Week

LAHS Green Team commemorates Earth Week


Traci Newell/Town Crier
Los Altos High School Green Team members, above, quiz their classmates about water conservation. The club distributed plants as prizes during the club’s Earth Week activities.

Members of the Los Altos High School Green...

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Community

Local pianist, 11, slated to perform Saturday at statewide competition

Local pianist, 11, slated to perform Saturday at statewide competition


Courtesy of the Cha family
Spencer Cha plays piano at a Santa Clara University recital. The sixth-grader also enjoys soccer, tennis, golf and skiing.

Spencer Cha has come a long way since he first sat down at the piano at age 2.

“I remem...

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Sports

Spartans net second place, eye top prize next season

Spartans net second place, eye top prize next season


Megan V. Winslow/Town Crier
Jeremy Hsu, Mountain View High’s top singles player, competes against Pinewood Thursday. The Spartans won the match 7-0.

With freshmen playing the top three spots in singles, the future of the Mountain View High boy...

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Comment

Los Altos at a leadership crossroads: Editorial

Don’t look now, but there could be some major changes ahead regarding how the Los Altos city government is run.

The current city council has the opportunity to hire a new city manager in the wake of Marcia Somers’ recent resignation. Fur...

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Special Sections

How to personalize the wedding bar

How to personalize the wedding bar


Christine Moore/Special to the Town Crier
A seasonal signature cocktail adds interest beyond the standard wedding bar’s spirits and mixers. Focus on one set of fresh ingredients, such as blueberries, blackberries and mint for a dose of budget...

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Business

Farmers prepare to market season's bounty

Farmers prepare to market season's bounty


Alicia Castro/Town Crier
Journeyman farmer Jen Friedlander waters Hidden Villa’s greenhouse plants, which will grow stronger in the controlled indoor environment before being transferred to the field outdoors.

Around Hidden Villa, the gree...

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People

BUOL JOANNE DOUGHERTY

BUOL JOANNE DOUGHERTY

1930-2016

Heaven gained a beautiful angel today. Our beloved mother’s blessed life ended in her Los Altos home surrounded by her loving family on April 18, 2016.

Buol Joanne Dougherty was born Sept. 28, 1930 in Chicago. At the age of two, M...

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Stepping Out

'Catch' comes to conclusion LA Stage Co. comedy  ends run this weekend

'Catch' comes to conclusion LA Stage Co. comedy ends run this weekend


Richard Mayer/Special to the Town Crier
Bryan Moriarty, left, stars as Yossarian and John Stephen King plays the Psychiatrist in Los Altos Stage Company’s “Catch-22.”

Los Altos Stage Company’s presentation of “Catch...

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Spiritual Life

Expert: Consumers should regularly check credit


Kust

The credit reports of approximately 80 percent of consumers contain errors, according to an expert who spoke at a recent Silicon Valley Association of Realtors meeting in Mountain View.

Kevin Kust, a credit specialist with Continental Credit, said that if not corrected, the errors can remain on a report for seven to 10 years and undermine the client’s credit rating. A bad credit report could jeopardize a buyer’s chances of securing a home loan, he added.

Kust advised consumers to check their credit reports periodically to ensure accuracy.

“Your credit score is your risk factor,” he said.

Many mortgage lenders use FICO, the most widely known type of credit score, to determine the interest rate, terms of the loan and whether to extend credit to a consumer. FICO credit scores range from 300 to 850, with an Excellent rating ranking 700-850; Good, 680-699; OK, 620-679; Low, 580-619; and Bad, 500-579.

Kust explained how to obtain a high score in each category, assigning percentages to importance.

• Payment history (35 percent): Maintain a positive history by paying your bills on time and correcting any inaccuracies on your credit report.

• Amounts owed (30 percent): Check your revolving credit, balance and limit ratios. Secure credit cards show a revolving debt and take the risk off banks. Pay off each card to a zero balance.

• Length of history (15 percent): Maintain old accounts because they provide you with a credit history. Closing accounts can bring down your score. Use all your credit cards occasionally so that they remain active.

• New credit and inquiries (10 percent): Applying for a lot of credit before applying for a mortgage loan could indicate financial problems. FICO allows a 45-day “shopping window” with no adverse effect on your score.

• Types of credit used (10 percent): Your score is based on the mix of different types of credit and how many total accounts you have. Don’t open new accounts just to increase the types of credit you have.

For more information, email Rose Meily at This email address is being protected from spambots. You need JavaScript enabled to view it..

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