Tue06022015

News

MV vehicle collision leaves one dead

A traffic accident Thursday morning (May 28) on Moffett Boulevard, near the Highway 85 overpass in Mountain View, has left one man dead.

The Santa Clara County Medical Examiner-Coroner's Office identified the victim as Karl Holladay, a 24-year-old G...

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Schools

Students discuss academic, social pressure in CHAC forum

Students discuss academic, social pressure in CHAC forum


Traci Newell/Town Crier
Community Health Awareness Council hosted a forum earlier this month where local students discussed the varied pressures they face.

Local students face enormous pressures in their lives, ranging from academic to social, but s...

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Community

Alan Alda discusses career, family and science at the Celebrity Forum

Alan Alda discusses career, family and science at the Celebrity Forum


Alda

Those who laughed along with Hawkeye Pierce on the long-running TV program “M*A*S*H*” would have enjoyed the recent Foothill College Celebrity Forum Speakers Series featuring actor Alan Alda.

Alda appeared May 13-15 at the Flint Center for...

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Sports

Eagles, Spartans advance

Eagles, Spartans advance


Town Crier file photo
Los Altos High’s Lizzy Beutter registered three hits in last week’s playoff win over Watsonville. She was also the winning pitcher.

Led by Lizzy Beutter, host Los Altos High whipped Watsonville 9-0 in the opening ro...

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Comment

Giving the thumb to what's done: Editorial

In the wake of recent Los Altos-area news events, we’re all thumbs.

Thumbs-down: To the Los Altos City Council’s decision to put the Walter Singer bust in storage. This is wrong on so many levels – even worse than the initial council decision to tra...

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Special Sections

Planting is possible despite drought

Planting is possible despite drought


Tanya Kucak/Special to the Town Crier
Wash the soilless mix off the root ball into the same container in which you have placed the clay soil from the planting hole. Remove at least an inch from the top and sides of the plant.

In this continuin...

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Business

Los Altos-based startup eyes digital makeup color-matching

Los Altos-based startup eyes digital makeup color-matching


Alicia Castro/Town Crier
Kokko Inc. Makeup Director Meli Pennington, standing, tests different shades of foundation on Los Altos resident Karen Melchior.

Meli Pennington knows cosmetics.

She has painted faces for the pages of Vogue and Glamour,...

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Books

Horan's 'Loving Frank' offers fictionalized account of famed architect's illicit affair

Horan's 'Loving Frank' offers fictionalized account of famed architect's illicit affair


In the 1920s, two married people fall in love, leave their spouses and children and set about living and traveling together. Affairs of this sort were considered shocking at the time. But the scandal was heightened given that the man was Frank Lloy...

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People

GUY WILSON SHOUP

Guy Wilson Shoup, 80, died on April 28, 2015, at his Palo Alto apartment, after a long period of ill health. Born on November 22, 1934, to Margaret Owen Shoup and to Jack Wilson Shoup (the second son of Paul Shoup, widely considered the founder of Lo...

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Travel

Flying south for the winter: Antarctica trips are not just for the birds

Flying south for the winter: Antarctica trips are not just for the birds


Photos Courtesy of Dave Hadden
Los Altos residents Dave and Joan Hadden watched the scenery from the large boat and a smaller Zodiac.

Standing on the beach with hundreds of thousands of penguins is “the experience of a lifetime,” according to Ga...

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Stepping Out

LA Stage Co. goes to 'town'

LA Stage Co. goes to 'town'


courtesy of Los Altos Stage Company
The Los Altos Stage Company production of “Urinetown: The Musical” opens this weekend.

The Los Altos Stage Company caps its 19th season with the musical comedy “Urinetown: The Musical,” scheduled to preview Th...

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Spiritual Life

Mercifully in His grip: Exploring our true position in Christ

I recently read a wonderful analogy about our true position in Christ. It was shockingly contrary to the messages impressed upon me in church, but deeply rooted in the Bible. The analogy is that of child and a parent. If you have ever taken a small ...

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Magazine

Practice prudent pruning: Maintaining manzanita, ceanothus and toyon

Practice prudent pruning: Maintaining manzanita, ceanothus and toyon


tanya kucak/Special to the Town Crier
Shrub manzanitas are known for their sinuous mahogany trunks and branches. If the foliage hides the bark, prune selectively to open the center so that the bark is visible year-round. This Montara manzanita is ...

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Inside Mountain View

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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