Opinion

The California Homeowner Bill of Rights became law Jan. 1, 2013 to ensure fair lending and borrowing practices for California homeowners. The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include:

Is there nothing sacred in this world? So many things that we took for granted are now just fading memories. You know, like necker’s knobs on our steering wheels; 78 and 45 RPM phonograph records; even using clothes pins to fasten playing cards to the fork of our Schwinns so they protruded into the spokes and  made it sound like we were riding a motorcycle. All these are gone. And we’ve learned to live with those changes, I guess.

Love is in the air this week, as Valentine’s Day rolls around again. During the course of your life, you’ve probably sent your share of flowers and candy. But if your valentine is also your spouse – and, in particular, your longtime spouse – you may want to go beyond roses and chocolates this year to give a gift that can help lead to financial security.