01232017Mon
Last updateTue, 17 Jan 2017 4pm

Food & Wine

Alpha Acid Brewing delivers intense flavors

Alpha Acid Brewing delivers intense flavors


Courtesy of Derek Wolfgram
A visit to Alpha Acid’s Belmont taproom reveals that the young brewery has expanded beyond its initial speciality in India Pale Ales to craft farmhouse, stout and seasonal brews worth seeking out.

Kyle Bozicevic, co-o...

Readmore

Loading...

Your Health

Health care on demand from Mountain View service

Health care on demand from Mountain View service


Courtesy of Direct Urgent Care
Dr. Ceasar Djavaherian is the president of Direct Urgent Care.

For most doctors in Silicon Valley, melding technology and medicine means cutting-edge machines performing high-powered work backed by Sand Hill Road ventu...

Readmore

Loading...

Your Home

Tips for storing holiday decorations efficiently & accessibly

Tips for storing holiday decorations efficiently & accessibly


Courtesy of Amanda Kuzak
Slotted ornament boxes are worth splurging on because they provide good protection for delicate ornaments.

 

It’s time to pack up the garlands and lights now that the hustle and bustle of the holidays is behind us...

Readmore

Loading...

On The Road

Cool cars for kids

Cool cars for kids


Gary Anderson/Special to the Town Crier
The Mitsubishi Mirage produces only 78 horsepower, but it gets 39 mpg in combined driving. Full of safety features, the Mirage sells for under $20,000.

A few months ago, one of our friends in town asked us...

Readmore

Loading...

Senior Lifestyles

Mountain View nonagenarian enjoys the luck of the genes

Mountain View nonagenarian enjoys the luck of the genes


Megan V. Winslow/Town Crier
Lloyd Lettis, 96, of Mountain View plays tennis three days a week at Los Altos High School.

Ninety-six-year-old Mountain View resident Lloyd Lettis seems to have a gene for longevity. And one for farming. And another for t...

Readmore

Loading...

Wedding To Remember

Got a wedding singer? Musicians and engaged couples work in tandem to orchestrate perfect night

Got a wedding singer? Musicians and engaged couples work in tandem to orchestrate perfect night


Courtesy of Dick Bright
Dick Bright, a veteran Bay Area musician, manages local bands such as the Dick Bright Orchestra, Club 90 and Encore. His bands ramp up the energy at weddings.

A wedding soundtrack draws nearly everyone to the dance floor....

Readmore

Loading...

Your Kids

Back to School

Is Early Decision the right choice for your student?

Is Early Decision the right choice for your student?


Courtesy of Hollis Bischoff
This chart compares the rate of Early Decision acceptances with the overall acceptance rate at various colleges.

As students apply to an ever-increasing list of schools, colleges are challenged to predict accuratel...

Readmore

Loading...

Don't let finances tie your marriage up in knots

June - the most popular month for weddings - is around the corner. That means many couples about to take the plunge are spending much of their time shopping for the perfect gown, flowers and reception location.

Unfortunately, most couples are so busy planning their wedding that they don't take time to discuss how they will manage their finances after they walk down the aisle. Getting adjusted to married life can be a challenge in itself. Mounting bills from wedding expenses and the cost of setting up a household can add to the stress. Here's a checklist to help you think about financial matters before and after marriage:

Joint checking accounts, individual accounts or a combination. If you are a newly married couple, you may want to establish a joint checking account. A joint account forces you to be accountable to each other about where your money is going. Keeping separate accounts can encourage unnecessary spending under the radar of your partner.

Savings goals. How much of your income do you plan to save and how will you do it? A rule of thumb is to save 10 percent of your gross income through automatic monthly withdrawals deposited into an investment account. In addition, you should have a minimum of three months of savings within reach for emergency expenses.

Retirement plans. If both of you have a 401(k) plan offered by your employer, at a minimum, invest in each plan up to the level where you get each employer's full matching contribution. You should also have a savings plan outside of your 401(k) so that you have access to funds without penalty. If you aren't eligible to contribute to a 401(k), invest in a Roth Individual Retirement Account, which allows tax-free withdrawals at retirement if you follow the rules.

Employer benefits. Examine the health, dental and other benefits each of your employers provides. Compare deductibles, co-payments, benefits provided and monthly costs. If you don't have children, you still should purchase life insurance to replace your salary if you die. If you do have children, a general rule is to purchase enough life insurance to cover eight times your combined annual salaries.

Investment accounts. This can be a sensitive subject for many people who've accumulated wealth on their own and now are faced with sharing it with their spouse. Depending on the significance of your wealth, you would be wise to explore financial- and estate-planning matters both before and after marriage.

Investment personality. Your investment portfolio should reflect how much risk each of you is willing to take in achieving your joint goals. Do you feel comfortable investing in stocks or would you prefer more conservative investments such as bonds or CDs? These are questions you should ask each other and then talk to a financial consultant who can recommend securities that match your objectives, time frame and risk tolerance.

Budget expectations. Do you both agree on how much should be spent on discretionary expenses such as clothes, dining out and home-improvement projects? The best way is to agree on a monthly amount for every expense that is not fixed (i.e. mortgage payment) and stick to that amount. This can prevent a lot of disagreements down the road when you discover your spouse has spent money on something you think is unnecessary.

Steve Zeller is a financial consultant with A.G. Edwards & Sons., Inc .

Schools »

Schools
Read More

Sports »

sports
Read More

People »

people
Read More

Special Sections »

Special Sections
Read More

Photos of Los Altos

photoshelter
Browse and buy photos