Wed08052015

News

Residents help police nab burglary suspects

Residents help police nab burglary suspects


Courtesy of Los Altos Police Department
Police used security-camera footage to identify two burglary suspects.

With assistance from the public, Los Altos Police identified two suspects in a residential burglary earlier this year. Police arrested...

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Schools

BCS parents host summer bridge camp for students in need

BCS parents host summer bridge camp for students in need


Zoe Morgan/Town Crier Editorial Intern
Bullis Boosters Summer Bridge Camp counselor Sonia Uppal teaches students the basics of computer coding last week.

The Bullis Boosters Summer Bridge Camp aims to reduce the achievement gap by offering a hands-...

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Community

Los Altos resident continues work toward eradicating No. 1 cause of infant deaths

Los Altos resident continues work toward eradicating No. 1 cause of infant deaths


Courtesy of Marge Shively
Kathy Radford, from left, Ann Roper, Sandy Harapat, Betty Gillmore, Jane Halligan and Laura Griswald stuff envelopes to raise money for spinal muscular atrophy research.

Proceeds from the 13th annual NorCal Walk-n-Roll,...

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Sports

Lovin' Levi's

Lovin' Levi's


Megan V. Winslow/Town Crier
Mountain View’s Austin Johnson, running after the catch, played multiple positions in Saturday’s game.

For Mountain View High’s Austin Johnson and Homestead’s John Rak, the highlight of playing in Saturday’s 41st annu...

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Comment

My solar clothes dryer: A Piece of My Mind

My cousin periodically sends me Internet nostalgia with comments along the lines of “Are you old enough to remember this?” One of her recent items struck me as newly useful in our energy-conservation-conscious times:

The Basic Rules for ...

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Special Sections

Killer crossover

Killer crossover


Gary Anderson/Special to the Town Crier
The 2016 Mercedes-Benz GLC crossover is scheduled to debut this fall in the United States.

After a press drive through the Alsace wine region between France and Germany in the 2016 Mercedes-Benz GLC, we have ...

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Business

Cetrella ventures from seaside to Silicon Valley

Cetrella ventures from seaside to Silicon Valley


Alicia Castro/Town Crier
Managing partner M’hamed Bahet oversees the new downtown Los Altos restaurant Cetrella, which features coastal cuisine and decor that celebrates the Peninsula region.

“Rustic,” “worldly” and ...

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Books

Book Signings

• Fritz and Nomi Trapnell have scheduled a book-signing party 4-6 p.m. Aug. 1 at their home, 648 University Ave., Los Altos.

Fritz and his daughter, Dana Tibbitts, co-authored “Harnessing the Sky: Frederick ‘Trap’ Trapnell, ...

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People

LILLIAN FLORENCE SLAVIN

LILLIAN FLORENCE SLAVIN

April 9, 1921 – July 17, 2015

Lillian Florence Slavin, long-time resident of Los Altos and The Forum at Rancho San Antonio, died peacefully on July 17, 2015.  She was 94 years old.

Lillian was born on April 9, 1921 to William Broadley and Fl...

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Travel

Gearing up: Make travel more civilized with accessories

Gearing up: Make travel more civilized with accessories


Eren Göknar/Special to the Town Crier
San Francisco-based humangear Inc. sells totes, tubes and tubs for traveling.

In travel, as in romance, it’s the little things that count.

Beyond the glossy brochures lie the travel discomforts too mun...

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Stepping Out

Funny 'Forum'

Funny 'Forum'


David Allen/Special to the Town Crier
Foothill Music Theatre’s “A Funny Thing Happened on the Way to the Forum” features, from left, Tomas Theriot, Todd Wright, Mike Meadors and Ray D’Ambrosio.

Some plays are meant to be quite serious, while oth...

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Spiritual Life

Life is fleeting – and you can't take stuff with you

Anyone who knows me knows that I love going to garage and estate sales. I love a bargain. I have enough stuff to live on, so now I seek out things that are interesting to me. I like looking for interesting artwork, though now my wife has tasked me ...

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Magazine

Inside Mountain View

Residents gather at NASA Ames for Pluto Flyby event

Residents gather at NASA Ames for Pluto Flyby event


Megan V. Winslow/Town Crier
NASA Ames’ Pluto Flyover event kindles the imaginations of young attendees.

Sue Moore watched the July 20, 1969, moon landing beside patients and staff members of the San Francisco hospital where she worked as a nurse...

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The time to plan is when it's not needed

I received a call last year from a woman who sounded desperate.

“I was just offered an early-retirement package from my company,” she’d said, the words rushed from anxiety, “and I’ve got two weeks to make a decision. Can you help me?”

I groaned inwardly, imagining the late nights ahead struggling to collect the necessary data, performing the analysis and clarifying the results in a way that would enable her both to understand and to take action. But of course I did what I could to help.

It’s not uncommon to put off planning for something until we see the need for it. That’s human nature. But it’s also risky. 

Have you made a list and stashed away emergency supplies in case of an earthquake? What about a tornado? The latter may sound remote, but one actually touched down in my backyard in 1998.

The cost and stress of recovering from an unplanned problem is usually much higher than if we had planned for it. And we typically learn this lesson after it’s too late. When was the first time you started backing up your computer hard drive – before or after your first disk crash?

A recent survey by Nationwide Financial found that 26 percent of potential investors do not have a financial plan. Even worse: 38 percent of those who do not have one have no intention of getting one.

“We live in an era when Americans are more responsible for their own financial security than ever before,” said Michael Spangler, president of Nationwide Funds. “However, for various reasons far too many haven’t taken the time to draft a detailed financial plan to help them achieve their goals over the short, medium and long terms. An effective plan is much more than opening a savings account or investing in your employer’s 401(k), it’s a map to ensure that you get to your financial destination.”

Without a financial plan, we are left unprepared for life’s big transitions, such as job loss, marriage, divorce, birth of children, buying a house, inheriting money, death of a loved one and other events that can have such a huge impact on the quality of our lives. The emotional upheavals these life transitions can cause make it extremely difficult to make good financial decisions when we’re in the midst of one. The time to plan is before the event so that we’ll be much better prepared to manage the transition and its financial impact effectively and avoid getting sidetracked by the pain and stress.

Probably one of life’s biggest transitions is retirement. U.S. News reported that in 2009, between 60 and 80 percent of baby boomers expected to work past age 65 as a way to overcome the devastation of the Great Recession. Unfortunately, many failed to consider the employment situation or their health as factors. As a result, according to a follow-up survey by MetLife, more than half of the first wave of baby boomers to hit retirement age stopped working before they had planned. Many still hope for part-time jobs or developing new careers but have been struggling to find them.

The missing element in their plans was the inclusion of alternative scenarios. As humans, when we make guesses about the future, we almost inevitably predict more of the same.

Unfortunately, that’s not how life works. When we include different scenarios in our plans, we reduce our vulnerability (both emotionally and financially) to unexpected changes. The younger you are, the more likely you are to face a curve ball or two at some point in your future.

To summarize, the time to make a financial plan for your future is now, not when you’re in the middle of dealing with a major life transition such as divorce or job loss. A robust plan should include several scenarios to ensure that you’re prepared for at least some of the major problems life could throw at you.

Los Altos resident Artie Green is a Certified Financial Planner and principal at Cognizant Wealth Advisors. For more information, call 209-4062 or email This email address is being protected from spambots. You need JavaScript enabled to view it. .

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