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My father’s family has been in the produce and grocery business since the 1930’s and have owned stores in Palo Alto, Menlo Park and Saratoga, California. He started working in the stores when he was 12. Growing up, I would always watch him diligently shop for fresh produce, and over the years, I have learned many tips and tricks . Here are some of my favorites, since summer is right around the corner. 1. Washing produce – Did you knowRead More

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Best Money-Saving Apps of 2017   Check out these money-saving apps that will save you time and money, with little effort. Ebates.com Ebates.com gives you a percentage (%) of cash back for online purchases (and a few in-store purchases as well). Create an account on their website, choose where you are online shopping, and they will automatically calculate your savings once you make the purchase.  In fact, they send you a $10 gift card just for signing up.  Cons: You can’tRead More

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I had an encounter recently with an annuity salesperson – we’ll call him John. John introduced himself as a financial advisor. I said I was a fee-only financial planner, and I don’t charge commissions. He said he didn’t either. The following is a paraphrase of our conversation. I share it with you because it is a good example of questions you should be asking investment professionals before you consider working with them. In particular, question those who sell products. ThisRead More

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Feeling uneasy with the global economy right now? Remember: Portfolios that include international exposure have historically performed better (and with less risk) than those that don’t. The goal of diversification is to have broad exposure to different areas that are not perfectly correlated (such as the US and international markets). When one part of the portfolio goes down, it is offset by another part that behaves differently. Trying to time movement in the market is not a viable strategy. WeRead More

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Many believe the “gig economy” is here to stay and will continue to get bigger. I heard a futurist speak at a conference a couple years ago, and he predicted there will be a “match.com” for employers and workers. Work will become more project-based with workers not necessarily being employees of a company but functioning as independent contractors. With Microsoft’s recent purchase of LinkedIn, Microsoft may see LinkedIn as that matchmaking site. I will be asking our educational speaker nextRead More

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A health savings account (HSA) allows you to use tax-free money to pay for qualified medical expenses. The money you use to fund the account is not subject to federal income tax or state income tax in most states (California being one exception), and employer contributions are not taxable to the employee. In order to contribute to an HSA, you are required to be enrolled in a high deductible health plan (HDHP). You cannot contribute to an HSA if youRead More

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