Diversify your bonds more than your stocks

Most 529 college savings plans and 401(k) company retirement plans offer a pretty broad range of U.S. stock mutual funds. There are large-cap funds, small-cap funds, value and growth funds, and even sometimes actively managed versus passively managed funds.

When it comes to bond funds, however, many such plans limit you to just one fund that tracks a single bond index – typically, the Bloomberg Barclays Aggregate Bond Index, also known as the Agg. This is backward. They should be providing more choices for bond funds than for stock funds.

How to make yourself safer online

We have allowed for-profit technology corporations access to all our personal data in exchange for some “free services” – data these firms sell to advertisers for massive profits. With our lives online whether we like it or not, taking steps to ensure security grows more important.

The usual response is: “But I have nothing to hide.” Sure. So why don’t we just leave our cars and homes unlocked, maybe even remove the doors and windows to our homes? I don’t think so.

Transactions

Los Altos

680 Berry Avenue, T. & D. Musick to Littlewood Trust for $2,650,000

11 Farm Road, C. Santa to Rose Marc LLC for $1,418,000

Realtors discuss homeownership with legislators in Sacramento

The Silicon Valley Association of Realtors joined thousands of realtors in Sacramento May 1 for the California Association of Realtors’ annual Legislative Day.

This year’s theme, “Homeownership Matters,” was evident in the speeches of realtors and politicians, and in discussions realtors had with legislators.

California realtors sponsor targeted tax credit bill for working families

The California Association of Realtors is sponsoring statewide legislation intended to help first-time, low- and moderate-income homebuyers in disadvantaged communities.

Assembly Bill 1590, authored by Assemblywoman Blanca Rubio (D-Baldwin Park), would create a targeted tax credit to help working families achieve their goal of homeownership. The legislation is especially timely, given the tight housing market.

Transactions for the week of May 8

Los Altos

808 Amber Lane, L. Carter to Bohaty Ventures LLC for $3,900,000

830 Arroyo Road, Up Homes to Cannon Family Trust for $6,500,000


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