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6 Ways to Secure Your Finances After Retirement - CalPERS PERSpective
6 Ways to Secure Your Finances After Retirement - CalPERS PERSpective

 

 

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Retirement Benefits
6 Ways to Secure Your Finances After Retirement
3 months ago

Although your CalPERS service retirement is a lifetime benefit, and you have other income sources available to you, money can still be tight. Making ends meet is a big concern for many retirees.  
Here are six tips for saving money during retirement, as part of our series on Planning Your Financial Future.  

Get back to basic budgeting. Determine how much money you have coming in, how much is going out, and where it’s being spent. If your expenses exceed your income, look for ways to reduce your expenses, increase your income, or both. Identify what you need vs. what you want as a way to cut unnecessary costs. Don’t forget to plan for the unexpected, such as car repairs and out-of-pocket medical costs. Most experts recommend having savings that cover 3-6 months of living expenses.  
Be mindful of risk. Personal savings and investments can be an important component of your retirement income. Whether you rely on a defined contribution plan, such as a 401(k), a money market account, or more, these investments can carry some level of risk. Higher risk can mean greater returns but could also lead to great loss. Even in retirement, it’s important to diversify your investments as a way to reduce risk, and mix your savings across a wide variety of investments to minimize the impact any one will have on your funds. And be sure to consult a professional financial adviser. 
Manage your debt. The best way to avoid debt is to take proactive steps to prevent it, such as paying off credit cards each month. If you find yourself in the red, add up your total amount of debt (credit cards, car loans, etc.) and consolidate it. For example, combine all of your credit card debt onto the lowest interest rate account you have.
Adoption | Superior Court of California | County of Tuolumne
How do I get ready for the hearing?

Bring the order of adoption and any consent(s) that you did not file previously. Both the proposed adoptive parent and adoptee must be at the hearing.

How do we ask for an amended Birth Certificate?

You must file an amended birth certificate form with the court on or before the final hearing date. You can get this form from the probate division of the Superior Court, County of Tuolumne.
After the adoption is final, the probate clerk’s office will mail the amended birth certificate to the State Registrar at the Department of Health Services in Sacramento. You will get an amended birth certificate in about 9-12 months.

Agency Adoption FAQs

An agency adoption is when parents adopt through a licensed private adoption agency. The adoptive parents and birth parents can meet and get to know each other.

Birth parents who work with an agency to place their child, must give up their rights as parents to the agency.  Then, the agency is legally responsible for the care and custody of the child until the child is adopted.
In an agency adoption either the Department of Social Services or a licensed adoption agency asks the court for permission for the adoption.  This process usually takes about 6 months to complete

Click on the topics or frequently asked questions below for more information.

What is a licensed adoption agency?

It is an agency that is licensed by the Department of Social Services. The agency is legally responsible for the child until the adoption is final.
The adoptive parents usually take care of the child during the adoption process. But, the agency can take the child away from the adoptive parents at any time before the adoption is finalized.

What if a birth parent does not give up their parental rights?

The agency will ask a lawyer to request that the court terminate the birth parents' rights. The court may order the Tuolumne County Social Services Agency to investigate and make a recommendation to the court whether or not the parental rights should be terminated and continue with the adoption proceedings.
You can call the Department of Social Services at: (209) 533-5717.

Can the adoptive parents obtain medical information about the child and the birth parents?
Foothill Regional Park's Alta Vista Trail gives visitors a leg up
Foothill Regional Park's Alta Vista Trail gives visitors a leg up
By Don Frances
Alta Vista Trail in Windsor’s Foothill Regional Park has always been popular for its eye-popping views. But it used to be a harder climb, heading straight up the hillside with some steep and slippery spots along the way.
That changed after Regional Parks in 2021 added switchbacks of banked, hard-packed earth that make the ascent and descent much safer and easier. The improvements enhance the natural beauty of this trail by letting hikers focus less on the path and more on their surroundings.

Great Views, Great Nature
Alta Vista means “high view,” which at its peak is what this trail offers: an expansive 180-degree view to the southwest, overlooking the Santa Rosa Plain and Coastal Range beyond.
To reach that point from the Arata Lane parking lot, strike out eastward on Three Lakes Trail and stick to the right, keeping the lakes on your left and the park’s southern boundary on your right. Over bridges, under trees and just past Pond C, take the fork to the right onto Alta Vista Trail, which dives into stands of oak trees as you climb towards the park summit. (Download a pdf version of the park map here.)

A shaded bench at the summit—perfect for a picnic or just taking in the views—is followed by sharp turns to the left, taking hikers back down the hill. (While passing through this thickly wooded part of Alta Vista Trail, notice the dozens of blue, black and valley oaks that were charred by the Kincade Fire of 2019 but are nonetheless resprouting in their canopies. The area demonstrates how quickly oak woodlands can recover from wildfire.)

By the quickest return route—turning left at Oakwood Trail, taking it to Meadow Trail, and continuing back on to Three Lakes Trail to the parking lot—this hike’s total distance is just under 3 miles, with an elevation gain of about 600 feet. The hike can be easily expanded by continuing on any of several other trails, adding wider loops through wildflower meadows, alongside reedy ponds, and up more wooded hillsides.
About Foothill
Foothill Regional Park is a 211-acre wilderness park in the foothills of the Mayacamas Mountains.
2024 Public Comments to Preliminary Applications
Which it seems like you are putting the cart before the horse so to speak. If you do not have a design that has been engineered and RS2477 in place this project is not ready to move forward. Contracts: What is the bidding process used to select this vendor? Was there a competitive process and how did the vendor meet the qualifications? Just being a 4-wheel drive enthusiast does not provide the requirements to create a new reroute that will sustain OHV use and hold up to the use for years to come. The Tahoe National Forest had issues contracting with El Dorado County, so I am confused as to how you would contract with a non-profit organization that does not have the qualifications to install a road or install a bottomless arch. I am sure they will find contractors who will handle the work but how will that be competitively bid? Soil Conservation: Where is the environmental document? Evaluation Criteria #3. 1. Will the original trail with RS2477be closed? 2. How do you get points for a restroom used by the contractor during the construction? It will not be for the users. 3. Sounds like you are closing the original trail with no guarantee or public rights of way on the bypass therefore how is this preserve the public’s rights of way on this trail? #5. Where is this document located? #8. How will this sustain OHV recreation with the possibility of gates or seasonal closure if the route does not hold up or the Forest Service deems it too wet to pass? #9. Hiking the Pacific Crest Trail is not OHV Recreation? #10. 1. Where was the notice published? There was an email list of private property owners that did not receive notice of this meeting. 2. Did RTF notice that this would be discussed at their regular meeting? They are not a stakeholder they are a vendor as you are proposing to contract with them. How can you plan a project then be the contractor and make money on the project? 3. FOTR and RTF are one in the same.
Mars Audio Log #10 - NASA
It’s do the hard thing now, you know, so it’s really easy to try and put things off, but, you know, there’s something upcoming that you’re going to have to do, kind of grab a hold of it and do it works out usually. Next question is, “What is the first outdoor adventure you’ll embark on once you return to Earth?”
Ross Brockwell: It’ll be hard to pick one. I know when I get home, I’m going to jump in the ocean for sure. So that’ll be early on for me. But first thing probably will just be a simple run, you know, to run outside in the sunlight and the fresh air is going to feel amazing. So that’s probably the very first thing.
Nathan Jones: Or maybe not, it’s going to be Houston in the middle July.
Ross Brockwell: Momentarily, it’ll feel great. See how long that lasts, but I can’t, you know, I’m looking forward, of course, to being outside in the Sun, in the fresh air again. It’s going to be great.
Nathan Jones: Yeah. First thing I will do, actually, it won’t necessarily be my decision. But I always talk about my family because it’s a big part of my life. But it’s one of my family members birthday around the day, and we have this tradition of letting them pick where we’re eating. So I will get to go out to eat at a restaurant, not my choosing. So that’ll be fun. Just getting to hang out with family really is the big picture item there. Just getting to see my family again and everything that so I’m really looking forward to. Yeah, that next morning, definitely going to be up, see that I’m missing those blue skies and everything. I’m sure I would like to see the sunset that night, but might not have a chance with all the post egress activities and everything. So that might be a little bit ambitious. I’m just going to plan on the sunrise the next morning.
What Is Antarctica? | NASA Space Place – NASA Science for Kids
If you love long summers and winters, Antarctica is the place for you! Image credit: NASA-JPL/Caltech

Though Antarctica is really, really chilly, it is considered a desert because it receives very little rain or snowfall. The small amount of snow that does fall does not melt but builds up over hundreds and thousands of years to form large, thick ice sheets. Antarctica's terrain is made up of glaciers, ice shelves and icebergs.

Antarctica’s terrain is made up of glaciers, ice shelves and icebergs – that’s a lot of ice! Credit: Kimberley R. Miner/NASA/JPL-Caltech

Though Antarctica is way too cold for people to live there for a long time, scientists take turns going to the icy continent to study the chilly place. NASA scientist Kimberley Miner snapped this photograph when she went to Antarctica! Credit: Kimberley R. Miner/NASA/JPL-Caltech

Would you take a swim in this ice water off the coast of Antarctica? Credit: Kimberley R. Miner/NASA/JPL-Caltech

Glaciers galore in Antarctica. Credit: Kimberley R. Miner/NASA/JPL-Caltech

1 of 1

Antarctica has no trees or bushes. The only plants that can survive the extreme cold are lichens, mosses and algae.

Imagine sledding here, on Beardmore Glacier in central Antarctica! Image credit: Commander Jim Waldron USNR—Antarctic Photo Library/National Science Foundation

Who lives in Antarctica?
Antarctica is too cold for people to live there for a long time. Scientists take turns going there to study the ice. Tourists visit Antarctica in the summers. The oceans surrounding Antarctica are home to many types of whales. Antarctica is also home to seals and penguins.

Come for the sledding, stay to chill out with the seals! Image credit: Kimberley R. Miner/NASA/JPL-Caltech

What can NASA learn about Earth from studying Antarctica?
NASA uses satellites to study the ice on Antarctica and how the continent is changing. Scientists want to know how changes in Earth's climate are affecting Antarctica's ice sheets.
Home - Veterans Affairs (VA) History
These men were later buried at the Cypress Hills National Cemetery and later a 12-foot granite cross monument, the French Cross, was dedicated in 1920 on Armistice Day. This event later influenced changes to burial laws that opened up availability of allied service members and U.S. citizens who served in foreign armies in the war against Germany and Austrian empires. 
Read more
Curator Corner
What’s in the box: Librarian Helen CarsonIt isn’t often that researchers who work with historic objects get to know the people who used those objects every day. Sometimes we get lucky and can link artifacts to certain facilities or buildings on a historic VA campus, but usually we must look for more hidden lines of evidence to figure out how an object fits into the history of those who care for our Nation’s Veterans. As nice as it would be, it isn’t as if many artifacts turn up labeled with their owners’ names! So, imagine my surprise when my teammates and I began sweeping Putnam Library for any historic objects left behind before the building is closed for renovation, and found just that.
As far as artifacts go, its story seemed simple: book presses like these would have been used to help maintain and repair the thousands of books read in Putnam Library ever since it first opened in 1879. The day that I first got up close and personal with the press, I noticed a woman’s name scraped into the black paint of the platen (the technical name for the big metal plate used to hold books together). It said “Helen Carson” in big, legible letters. As we carefully transported the heavy press down the many stairs inside Putnam Library, I looked at the name and thought “Hm…wonder who that is?”.
Read more
History of VA in 100 Objects
Object 77: Wheelchair Basketball at VABasketball is one of the most popular sports in the nation. However, for paraplegic Veterans after World War II it was impossible with the current equipment and wheelchairs at the time. While VA offered these Veterans a healthy dose of physical and occupational therapy as well as vocational training, patients craved something more. They wanted to return to the sports, like basketball, that they had grown up playing. Their wheelchairs, which were incredibly bulky and commonly weighed over 100 pounds limited play.
Issues with face or touch unlock
 | Login.gov
Face or touch unlock will only work on the original device you set it up with unless you set up face or touch unlock on a newer device and browser that supports passkeys, and has bluetooth or cloud sync between your accounts enabled. Having bluetooth or cloud sync enabled allows your face or touch unlock credential to be shared between your devices.
If face or touch unlock is tied to your device and you don’t have access to that particular device any longer, you may need to delete your account and create a new one. Please contact us if you need assistance.
To prevent having to delete your account in the future, we strongly recommend setting up more than one authentication method. That way, you have a back-up authentication method to use for signing in in case you lose one.
I don’t know what “cloud sync” means or how it relates to face or touch unlock.
Enabling cloud sync on your device allows you to sign in using face or touch unlock on different devices. Cloud syncing saves your face or touch unlock credential to a password manager such as iCloud Keychain, Windows Hello, or 1Password. In doing so, you’re able to access your credential on any device you own that is connected to the cloud. To learn more about setting up cloud sync, please check out your platform’s support page.
How do I set up face or touch unlock
Go to secure.login.gov and click on “Create an account”.

Enter your email address and click submit.
You will receive an email. Click on the link in the email to confirm your email address.
Create a password. It must be at least 12 characters long.
On the “Secure your account” page, select face or touch unlock.

On the face or touch unlock set up page, click on the “continue” button. You will then be prompted to authenticate using face or touch unlock.
Important: Depending on your device, you may be prompted for additional information such as a PIN, pattern, or QR code. Follow the directions on your screen to finish setting up face or touch unlock. The following are screenshots of possible prompts you may encounter:
FAQs • San Bruno, CA • CivicEngage
In addition, jumpers are not allowed due to the increased liability issues that may arise. 

3.
What are the San Bruno City Park Hours?

The San Bruno Park hours are from 5 am to 10 pm. 

4.
What is the address to San Bruno City Park?

San Bruno City Park is located at 251 City Park Way. To find it on mapquest, use our intersection of Crystal Springs Avenue and Oak Avenue. 

5.
Are you open during lunch hours for the public to register for classes, rent facilities or reserve picnic sites?

The Recreation Services Department office hours are 8 am to 9 pm, Monday through Thursday, 8 am to 5 pm on Fridays, and 9 am to 1 pm on Saturdays. We are open during the lunch hour to accept registration and reservations. 

6.
How do I sign up for seasonal youth sports leagues?

Although youth sports' sign-ups are held at the Recreation Center, the individual sports organizations actually process the registrations. The Recreation Services staff never takes registrations for non-departmental youth sports. Youth sports' contact names and phone numbers can be found in the Recreation Services Department Quarterly Activity Guide. 

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COVID-19	

Show All Answers

1.
Where can I get information about prevention measures?

San Mateo County Health Department is your primary source of information for COVID-19. Please visit their website for responses to the frequently asked questions and latest updates.San Mateo County Health Department is also working closely with the California Department of Public Health (CDPH) and the Centers for Disease Control and Prevention (CDC) to respond to novel coronavirus and its potential impacts on the Bay Area.The Center for Disease Control and Prevention (CDC) recommends various precautionary measures to limit the spread of COVID-19. 

2.
Where can I find out what the San Mateo County Health Officer is advising?

The latest press releases including information on updates and advisories to COVID-19 can be found on the San Mateo County Health website. 

3.
What restrictions are in place?
Clare Luckey: Shaping the Future of Mars Missions and Inspiring the Artemis Generation  - NASA
“It’s important to build the foundations of mathematics and science at a young age,” she said. “I am really passionate about getting other people who look like me involved in the space industry.” 

Luckey’s involvement with the National Society of Black Engineers and her efforts to mentor and help students with school projects gives her great joy. “NASA can invest in the next generation by building a sustainable pipeline alongside sustainable space architecture,” she said. “You have to invest in communities and education so that kids grow up participating in a culmination of activities that make them want to be a part of NASA.” She believes that persistence, passion, and creativity are the top qualities for someone to excel in the space exploration industry.  

As a vocal advocate for diversity in the space industry, Luckey emphasizes the importance of community and mentorship within NASA and beyond. “I try to reach out to people and build that community because it is important,” she said. “That’s one of the things that keeps people coming to work – no matter where you work. It’s not the work, it’s the people that keep you coming back. I work with a lot of great people that have built that NASA community.” 

Clare Luckey at the NASA Human Research Program Investigators’ Workshop 2023, “To the Moon: The Next Golden Age of Human Spaceflight,” at the Galveston Island Convention Center on Feb. 8, 2023. 
Credit: NASA/Josh Valcarcel 

Luckey’s advice to aspiring space explorers is, “Just try. Even when you don’t think you’re capable or don’t think you know enough, you will learn as you go.” She also encourages students to search out opportunities and get involved at a young age. “There’s no wrong answer. Just do what you’re interested in, put effort into it, and you’ll end up where you want to go,” she said. 

Her favorite part about working at NASA is the outlandishness of it all, she said. “People at NASA are really trying to build the future. The work we do here is amazing and not to be overlooked.”
The Americans with Disabilities Act | ADA.gov
Examples:
 

 Fact Sheet: New Rule on the Accessibility of Web Content and Mobile Apps Provided by State and Local Governments
 

 Fact Sheet: Notice of Proposed Rulemaking on Accessibility of Medical Diagnostic Equipment
 

 Algorithms, Artificial Intelligence, and Disability Discrimination in Hiring
 

 Laws & Regulations
 

 Find legal documents that are enforceable under the ADA in a court of law.
 

 Examples:
 

 State and Local Government Services (Title II)
 

 Public Accommodations (Title III)
 

 ADA Standards for Accessible Design
 

 Service Animals and the ADA
 

 Understand how the ADA defines a service animal and what your rights are under the law.
 

 Topics
 

 Service Animals
 

 Resources
 

 Frequently Asked Questions about Service Animals
 

 ADA Requirements: Service Animals
 

 Laws & Regulations
 

 State and Local Government Services (Title II)
 

 Public Accommodations (Title III)
 

 Topics
 

 Information for people with disabilities, state and local governments, and businesses
 

Introduction to the ADA

 How the ADA is structured, and how it protects the rights of people with disabilities
 

Learn more

Service Animals

 The definition of a service animal, where they can go, and how they assist people with disabilities
 

Learn more

Parking

 Find out how the ADA requires businesses, non-profits, and state/local governments to provide accessible parking spaces.
 

Learn more

Effective Communication

 People with certain disabilities might communicate in different ways.
 

Learn more

 How to Report a Disability Rights Violation
 

 If you believe that you or someone else experienced unlawful discrimination, you can report a disability rights violation.
 

1

 Report using our online form.
 

 By completing the online form, you can provide the details we need to understand what happened. You will receive a confirmation number and your report is immediately sent to our staff for review.
 

2

 We review your report.
 

 Teams that specialize in handling your type of issue will review it. If it needs to be forwarded to another team or agency, we will try to connect your complaint to the right group.
 

3

 We determine next steps and get back to you.
 

 Possible outcomes include: following up for more information, starting a mediation or investigation, directing you to another organization for further help, or informing you that we cannot help.