09282016Wed
Last updateWed, 28 Sep 2016 4pm

Food & Wine

Roundup: Follow your local farmers as the season changes

Roundup: Follow your local farmers as the season changes


Eliza Ridgeway/Town Crier
Todd Miner pulls pumpkin pies hot from his traveling oven at the Los Altos Farmers’ Market – and will keep baking at Mountain View’s Sunday market when the Los Altos market season ends Sept. 29.

Only two weeks remain to...

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Your Health

LAHS student launches international website on mental health

LAHS student launches international website on mental health


Photos courtesy of nadia ghaffari
Months after founding the website TeenzTalk, Ghaffari, second from left, spoke with international teens at the Yale program about methods to overcome stress.

When Nadia Ghaffari went to Yale University this summer ...

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Your Home

Home Brief

Filoli has scheduled a new volunteer recruitment event 9:30-11:30 a.m. Oct. 15 at Filoli’s Visitor & Education Center, 86 Cañada Road, Woodside.

Attendees can learn about the many volunteer opportunities at Filoli, including house and gar...

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On The Road

Exploring the Presidio: In and around town in two hybrids

Exploring the Presidio: In and around town in two hybrids


Photos Courtesy of Gary Anderson
Despite the price difference between the Acura RLX Sport Hybrid, above, and the Hyundai Sonata the two cars share a number of features.

 

The Presidio of San Francisco has existed as a settlement and milita...

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Senior Lifestyles

Expert offers strategies for seniors intimidated by the gym

Expert offers strategies for seniors intimidated by the gym


Courtesy of Brandpoint
To ward off “gym-timidation,” fitness expert Brian Zehetner encourages seniors to find a workout buddy and start slowly.

No one really relishes the idea of growing older and experiencing the health issues that can accompan...

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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....

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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...

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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 .

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