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Your Money: How should you define risk?

Published Tue, 05 Nov 2024 03:29:34 GMT

Bruce Helmer and Peg WebbWe’re all bombarded daily with warnings about the risk of investing. Buying yesterday’s hot stock. Losing your money in crypto. Crazy Uncle Harry’s can’t miss, ground-floor opportunity.A more technical definition of risk is the chance that an outcome or investment result will differ from an expected outcome or return. If you are one of the few people to study fund fact sheets, standard deviation is often used as a risk metric. It looks at volatility in comparison to historical averages in a given time frame, say one, three, five or 10 years. Said another way, it’s how much a given investment goes up or down over time, which can be a useful way to track investment risk. Other investors think risk is their fund or adviser falling short of an arbitrary index of securities, such as the Dow Jones Industrial Index or S&P 500 Index.We would challenge both of these definitions of risk. Risk is not falling short of an index; it’s falling short of your goals. Does...

Working Strategies: Summer job search for new graduates

Published Tue, 05 Nov 2024 03:29:34 GMT

Amy LindgrenCongratulations graduate! You finished school — got a job yet?(Wince). Those may not be the exact words people say to new graduates, but they’re pretty close. Even when the question is better-phrased, it’s still wince-worthy to be asked about future plans within seconds of being congratulated.That doesn’t change the value of the question: What are your plans, exactly? If the answer is something vague like, “I’m going to hang out for a while and then probably look for a job,” you should expect follow-on questions. For the empathetic listener, the answer sounds too similar to, “I don’t know what the heck I’m doing and it scares me to death.”Try this answer instead: “I’m going to take the month of June to be with my friends before everyone starts working. Then I’ll start my job search using this 12-step plan I read about in the paper.”Another wince might be called for here, based on that answer sounding so pat. Even so, just knowing you have a plan is enough for most ...

2 shot inside hot pot restaurant in Orange County

Published Tue, 05 Nov 2024 03:29:34 GMT

Two people were hospitalized with gunshot wounds after shots rang out inside a hot pot restaurant in Garden Grove Saturday night.The shooting happened around 11:30 p.m. at The Hot Lounge & Restaurant at 12911 Magnolia Street where, according to police, two adult males were shot.A third person was hospitalized with a head injury. Their conditions were not available. It was also unclear what led up to the shooting. The shooting happened around 11:30 p.m. at The Hot Lounge & Restaurant at 12911 Magnolia Street. May 28, 2023. (County News)Garden Grove Police had released very few details as of 6:30 a.m. Sunday.Video shows several people being questioned and detained at the scene, including one man who was combative with officers.

California Doctor who drove family over cliff needs to be held accountable: DA

Published Tue, 05 Nov 2024 03:29:34 GMT

What was going through Dharmesh Patel's mind when he, according to investigators, intentionally drove his entire family over a San Mateo County cliff and crashed their Tesla into the rocky beach below? A search warrant affidavit was unsealed this month revealing what Patel told emergency responders who airlifted the family of four to trauma centers on January 2. District Attorney Steve Wagstaffe said it was an "absolute miracle" that Patel, his wife, and their two young children survived a 300-foot plunge from the cliff at Devil's Slide on the Pacific Coast Highway. What we know about the Pasadena doctor accused of driving his family off a cliff Patel’s defense attorney told a judge that Patel’s wife no longer wants him to face any charges. Prosecutors said it's not uncommon for domestic violence victims to become uncooperative. Wagstaffe said, in about 80 percent of domestic violence cases, the victim will recant their statements and not want the case to move forward. "It's part...

What's next on the debt ceiling: Selling the plan and making a deal into a law

Published Tue, 05 Nov 2024 03:29:34 GMT

WASHINGTON (AP) — After weeks of negotiations, President Joe Biden and House Speaker Kevin McCarthy have announced an “ agreement in principle ” to raise the nation’s debt ceiling and avoid a potentially catastrophic default.The agreement includes spending cuts demanded by Republicans, but it is short of the reductions in the sweeping legislation passed by the Republican-led House last month.To reduce spending, as Republicans had insisted, the package includes a two-year budget deal that would hold spending flat for 2024 and impose limits for 2025. That's in exchange for raising the debt limit for two years, until after the next election.It also expands some work requirements for food-stamp recipients and tweaks an environmental law to try to streamline reviews to build new energy projects.Treasury Secretary Janet Yellen has said the United States could default on its debt obligations by June 5 if lawmakers do not act in time to raise the federal debt ceiling.A look at what’s next a...

Chewing Your Cannabidiol — The Latest Details On CBD Chewing Gum

Published Tue, 05 Nov 2024 03:29:34 GMT

Chewing minty fresh gum is refreshing on its own, but what if you added CBD to the mix? Yes, there are already hemp vendors that offer CBD-infused sticks of gum. According to manufacturers, CBD gum offers many impressive benefits to customers who want a discreet way to microdose CBD. Some people even claim CBD gum has one of the highest absorption rates for a hemp-derived edible.Although hemp-infused gum is new, plenty of customers are curious about giving CBD gum a try. If you’re in the mood to add CBD to your next gum break, you should consider the latest details on this product line.Chomping On Cannabidiol — How Does CBD Gum Work?Most CBD gum companies claim their products deliver CBD directly to your tongue’s sublingual glands. As the CBD gets released, it circulates in your saliva and gets absorbed under the tongue. This is the same theory behind taking CBD oils and tinctures sublingually for enhanced absorption.While our sublingual glands can absorb compounds into the bloodstr...

Milpitas resident, nonprofit recognized during Asian American Heritage Month

Published Tue, 05 Nov 2024 03:29:34 GMT

State Assemblymember Alex Lee, whose District 24 has the highest Asian population in the state, celebrated Asian American Heritage Month on May 19 by recognizing four community members and two organizations from his district, including one Milpitas resident and one nonprofit based in the city.Loreto Dimaandal was honored for her advocacy work for unhoused individuals and families. She has been serving the unhoused community members in Milpitas for over 10 years through her grassroots organization LoretoQD’s Brigade–Silicon Valley. The brigade provides food to unhoused residents and families in need, and advocates for them by hosting donation drives.Through the efforts of Dimaandal and her group of volunteers, unhoused people have found jobs, housing and transportation, and have received medical help and social services support.“One community member told me she has literally saved many lives single-handedly,” Lee said.She is also an active member of Agape Silicon Valley and the...

Campbell student named Coke Scholar for academics, community service

Published Tue, 05 Nov 2024 03:29:34 GMT

Campbell resident Anna Yang, a senior at Notre Dame High School in San Jose, has been selected as one of 150 Coke Scholars by Coca-Cola Scholars Foundation, which will contribute $20,000 to her education at Stanford University. The only honoree from Santa Clara County, Anna was chosen from among more than 91,000 applicants.As part of her application, Anna selected Notre Dame physics teacher Olena Petrova as her Educator of Distinction. The school honored Anna and Petrova at its annual Senior Recognition Night on Thursday, May 25.The Coke Scholars Award honors students who combine academic achievement with community service. The honor caps an array of achievements for Anna throughout her high school career in both science and literature. “I feel like everyone is born to love humanities and science, and it’s really just the world that pushes them to choose,” Anna said in a statement.Anna is the current Youth Poet Laureate for Santa Clara County.  She was a Top 10 finisher in the New Y...

Youth rock and jazz bands to perform in Saratoga

Published Tue, 05 Nov 2024 03:29:34 GMT

A natural performanceYouth rock and jazz bands from Be Natural Music are performing June 11 in Saratoga to celebrate the Cupertino music school’s first anniversary.The concert is set from noon-3 p.m. at the Tamra Mediterranean Grill, 12019 Saratoga Sunnyvale Road, Saratoga. Admission is free, but Be Natural will be accepting donations for its scholarship program, which awards over $1,400 per month to 33 students.For more information, visit www.benaturalmusic.live/donate.‘Find Your Voice’ at libraryThe Santa Clara County Library District invites patrons to “Find Your Voice” during the district’s free summer reading program.Throughout the months of June and July, district libraries will be hosting a lineup of programs for children, teens and adults featuring performers, arts and crafts, book clubs and speakers.The program is designed for patrons to discovering different ways to express themselves.“According to the California State Library, summer reading programs can help children dev...

Willow Glen preschool acquires neighboring campus

Published Tue, 05 Nov 2024 03:29:34 GMT

Neighborhood NotesWILLOW GLEN>>Regard Preschool of Willow Glen has been acquired by Action Day Schools. Both schools have campuses on Lincoln Avenue. Established in 1991, Regard enrolls students ages 2-6, while Action Day, which opened in 1975, enrolls children from infancy to age 5.“We are thrilled to add the Regard Preschool campus to the Action Day Schools family,” Action Day Schools president Cathy Jelic, a longtime Willow Glen resident, said in a statement. “We look forward to working with the Regard team to create a seamless transition for families and provide even more opportunities for children to learn and grow.”“The decision to close Regard was not an easy one. However, I do recognize that this is the right time to begin my retirement,” said Julie Rymer, the preschool’s founder and director. “It has been an honor and a privilege to work with so many wonderful Willow Glen families.”This acquisition is part of Action Day Schools’ ongoing growth strategy. For enrollment...