Life insurance with Living Benefits, Fixed Indexed Annuities

Right Time Financial

I specialize in working with individuals, families and businesses to set future goals and put retirement solutions in place. I have products that offer living benefits (the new life insurance) which gives my clients access to their death benefit without dying. People are living longer and surviving critical illnesses at a much higher rate these days. This allows them to outlive their retirement funds. Also, fixed indexed annuities that you can roll your 401k into and not have to worry about stock market losses. Ask about our products for youth that have tax free benefits that are less restrictive than the 529 plan. My services are free and I encourage any questions you may have.

Alameda County

Fernando Haro

Bay Area

Castro Valley

California

I specialize in working with individuals, families and businesses to set future goals and put retirement solutions in place. I have products that...

Personal Training with Unlimited DEXA and VO2 Max

Custom Fit

Most training programs run on guesswork. Custom Fit replaces it with measurement. At its San Francisco studios, Personal Training and Partner Training memberships include unlimited DEXA body-composition scans and VO2 max testing — diagnostics usually sold one scan at a time or reserved for specialized clinics. Custom Fit members can test as often as they train. The reasoning is straightforward. A DEXA scan measures fat, lean muscle, and bone density with clinical precision. A VO2 max test measures the body's maximum oxygen uptake, one of the strongest predictors of cardiovascular fitness and long-term health. Run those tests on a regular cadence and a member can see exactly what is changing, where, and whether a program is working — rather than relying on the scale or the mirror. That is the idea behind Custom Fit's positioning: not a gym, a performance lab. Every program is built from a member's measured body composition and cardiovascular capacity, then adjusted as the data moves. The goal is to eliminate the guesswork that defines most fitness routines and to treat training as something you can verify. The model also brings longevity diagnostics that usually live in concierge medicine into a routine training week. Body composition and cardiovascular capacity are central markers of how well a person is aging, and regular testing keeps those numbers visible rather than treating them as an occasional, expensive add-on. Custom Fit operates in Hayes Valley (323 Octavia Street), on Market Street (1844 Market), and with a Downtown San Francisco location on Battery Street (570 Battery) opening soon. Personal Training, Partner Training, and select memberships include the testing. More information is available at customfitsf.com.

San Francisco

San Francisco County

Most training programs run on guesswork. Custom Fit replaces it with measurement. At its San Francisco studios, Personal Training and Partner...

Shopping with a Purpose: Good Deals for a Great Cause

Shepherd's Gate New Life Thrift Store

Give Your Unused Things New Life at Shepherd’s Gate New Life Thrift Store! Your donations of gently used clothing, shoes or household items to the Shepherd’s Gate New Life Thrift Store in Livermore will do more than make room in your home — you’re giving those items a second chance to be useful and meaningful. The women and children who come to Shepherd’s Gate are seeking to start a new life. They are able shop for free at the thrift store for clothes for job interviews and school as well as items to furnish a new place to live after graduation. Proceeds from the thrift store directly support the women and children at Shepherd’s Gate by providing care, safety, education and encouragement as they rebuild their lives. For more information, visit us online at shepherdsgate.org/thrift-store

Michael Wittner

Livermore

Give Your Unused Things New Life at Shepherd’s Gate New Life Thrift Store! Your donations of gently used clothing, shoes or household items to the...

Coastline Christian Schools

Coastline Christian Schools in Alameda is a private preschool–8th grade school that partners with families to nurture students academically, spiritually, socially, and emotionally in a Christ-centered environment. With dedicated teachers, small class sizes, and a focus on individualized learning, CCS helps each child reach their potential while building strong character and faith. Students are enriched through STEM, athletics, arts, class trips, and community events, developing compassion, resilience, innovation, and leadership. At Coastline, families are welcomed into a warm, supportive community where students are known, cared for, and prepared to thrive.

Alameda

Coastline Christian Schools in Alameda is a private preschool–8th grade school that partners with families to nurture students academically,...

Any truth to the rumor that Rite-Aid is closing?  Any word on its replacement?

Any truth to the rumor that Rite-Aid is closing?  Any word on its replacement?

Community Update

Local Voices

San Leandro

Union City

Contra Costa County

San Ramon

Dublin

Danville

Pleasanton

Piedmont

Angela Woodall

Lamorinda

Newark

FINAL&nbsp;DAY!&nbsp;JULY 19TH, 11 - 4 PM
274 Lindbergh Avenue, Livermore, CA, 94551
Take up to 85% off the retail price of these award-winning wines. This time, we’re selling Chardonnay, Rosé, and your other summertime faves! Some of these wines are as low as $6 per bottle when you buy three or more cases at a time. By popular demand, we are allowing half-and-half cases for this sale. So a case can include 6 bottles each of two different wines! Take the plunge and buy three or more cases for the best prices. Any combination of cases counts, including half and half cases. Purchase Chardonnay, Sauvignon Blanc, Rosé, Zinfandel, and MORE at this summer wine sale. There’s something for everyone. TASTE THE WINES FIRST: These AWARD WINNING wines are in ideal cellar condition, and you can try before you buy! CLUB MEMBERS: These sale wines are COMPLETELY DIFFERENT from the EOV wines that will be available at the Q3 club release party. Don’t be afraid to come to both events, because you’ll be able to buy different wines at each! 🤔Hmmm, why are these wines on sale? Because their label designs have become obsolete, and because our restaurant partners are ready to turn the vintage. Several of these wines were impacted by the slowdown in post-pandemic restaurant sales. Our loss is your gain – snag these wines at never-before-seen wholesale prices! Take these wines off our hands, so we can get ready for a whole new look! 85% OFF RETAIL PRICE!!! PRICING GUIDE: When you purchase one or 2 cases: Current Vintages: $12 per bottle ($144 per case) Older Vintages: $8 per bottle ($96 per case) Half-and-half cases are OK! When you purchase 3+ cases: Current vintages: $9 per bottle ($108 per case) Older vintages: $6 per bottle ($72 per case) Half-and-half cases are OK! Wines purchased by the case quantity only, of twelve bottles per case. One case minimum purchase. At this sale, a case may be made up of six bottles each of two different wines. Must be purchased and picked up at the time of sale. In person only. No online ordering. No shipping or storage. Wines on sale are subject to change, but we will make sure we have the advertised varietals in stock. Past sales have started with a long line- please come prepared to wait in line, and layer up, as our warehouse is climate controlled. Limited to supplies on hand- once a wine is sold out, its gone!

Local Event: Final Day of the Summer Wine Super Sale! Up to 85% off!

Final Day of the Summer Wine Super Sale! Up to...

FINAL DAY! JULY 19TH, 11 - 4 PM
274 Lindbergh Avenue, Livermore, CA, 94551
Take up to 85% off the retail price of these...

Final Day of the Summer Wine Super Sale! Up to 85% off!

Online FREE webinar by Zoom

I am a physician turned health coach and I love to help people get healthy.
Ever eat something "healthy" and still watch your blood sugar climb? 😕
Most spikes come down to a few sneaky habits that look perfectly fine on the surface — and this quick video breaks down 5 of the most common ones. 👀
If it hits home, here's the good news: 
I'm going deeper in this FREE educational webinar next week, where I'll walk you through exactly how to fix these — with simple swaps you can start the very next day.
Steadier energy. Sharper focus. Numbers finally moving the right wayThis is an educational webinar, no medical advice is given
Testimonial from a past program participant
I have been diagnosed as being prediabetic for over 15 years, I was concerned that I would become a diabetic so I wanted to do this program to see if I was already a diabetic and get a opportunity to reverse my condition. when I first started the program, my blood sugar numbers were very high but after having that monitor on and eating the way I was taught to eat I was able to get my Blood Sugar numbers under control and in a normal range. Rekha Murali, through her knowledge has taught me how to eat to live a healthy lifestyle, how to manage my stress levels and to get plenty of sleep. I no longer take any prescribed medications from my general doctor and I am so grateful for Rekha Murali showing me the way to live a healthy life. 
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; ~JA

Local Event: 5 Common Mistakes That Maybe Driving Your Blood Sugars Up

5 Common Mistakes That Maybe Driving Your Blood...


I am a physician turned health coach and I love to help people get healthy.
Ever eat something "healthy" and still watch your...

5 Common Mistakes That Maybe Driving Your Blood Sugars Up

Faction Brewing

Little Steven's Underground Garage, DJ Sid Presley, Faction Brewing present...
<a href="https://www.facebook.com/events/1232889085625868" rel="nofollow noopener" target="_blank">THE ALAMEDA ROCK &amp; ROLL FLEA MARKET</a>
Saturday July 25, 2026 
Faction Brewing | 2501 Monarch Street, Alameda 
<a href="https://www.facebook.com/events/1232889085625868" rel="nofollow noopener" target="_blank">FACEBOOK EVENT PAGE</a>
<a href="https://www.instagram.com/alamedarockandrollfleamarket/" rel="nofollow noopener" target="_blank">FOLLOW US ON INSTAGRAM!</a>100+ vendors selling records, music memorabilia, musical instruments, vintage clothing, tiki/Hawaiiana, handmade jewelry &amp; gifts, books, videos, and much more!Food &amp; Drink by Satay By The Bay SF, Crazy Block Cheesecakes, Swahili Spot, Sweet Pipers, Kaböb Trolley


Craft brew made on the premises by Faction BrewingLIVE MUSIC SCHEDULE
11:30 Lowell Levinger of The Youngbloods, Little Steven &amp; The Disciples Of Soul
12:30 Dog Party 
1:30 The Control Freaks
2:30 Th' Losin Streaks 
3:30 The Pandoras
4:30 Muck &amp; The Mires 
ALL AGES | $5 admission (12 and under free)
<a href="https://www.eventbrite.com/e/alameda-rock-roll-flea-market-tickets-1991021976328?fbclid=IwZXh0bgNhZW0CMTAAYnJpZBExaExwQjJZWWJmb3FGcUtVbnNydGMGYXBwX2lkEDIyMjAzOTE3ODgyMDA4OTIAAR6VbrdVIvL2RwfJVj6r6PV-MSlDEV5rNEJSQWLqvIgfH4nR8O_z7KuiFSS18Q_aem_A5BPHSfFdEJohZtXa2RIKA" target="_blank" rel="nofollow noopener"></a>Indoor/Outdoor event - Rain or Shine
OUR SPONSORS - 1-2-3-4 Go! Records Alternative Tentacles Records Faction Brewing Satay By The Bay SF

Local Event: ALAMEDA ROCK & ROLL FLEA MARKET - 100 Vendors + Live Music, Food Trucks, Craft Beer

ALAMEDA ROCK & ROLL FLEA MARKET - 100 Vendors +...

Little Steven's Underground Garage, DJ Sid Presley, Faction Brewing present...
THE ALAMEDA ROCK & ROLL FLEA MARKET
Saturday...

ALAMEDA ROCK & ROLL FLEA MARKET - 100 Vendors + Live Music, Food Trucks, Craft Beer

🌱 Patch AM: Disney's Newsies and 12 more events

And on the Castro Valley Patch calendar - Final Day of the Summer Wine Super Sale! Up to 85% off!

Community Corner

Forest Workers Kidnapped | Sinkhole Swallows 2 ...

Reporter Stays Calm Despite Roach | Man Tased In Dispute Over Chores | Celeb Chef Opens Restaurant | Suspect Swims Mile Into Ocean To Escape

Forest Workers Kidnapped | Sinkhole Swallows 2 | Man Shoots Mom At PD | Why Star Quit Disneyland Job: CA News

And check out Summer Wine Super Sale! Wines as low as $6 per bottle when you buy 3+ cases on the Castro Valley Patch calendar

Los Angeles County

Los Angeles

Hollywood's First AI Movie Star: 5 Things To Know

AI-generated Tilly Norwood is set to star in a film amid debate about whether she is a threat to one of CA's biggest industries by another. 

Arts & Entertainment

Across California

Grocery Chain Plans CA Expansion Following Mass...

The discount supermarket is widely known for its low prices and snappy jingle.

Grocery Chain Plans CA Expansion Following Mass Closures

Crime & Safety

This East Bay City Is Best Place To Raise A...

A new report published by WalletHub identified this East Bay city as the top place in the country to raise a family.


This East Bay City Is Best Place To Raise A Family In US, Report Says

Who Wants A Paella Pan After Seeing This...

At least one Castro Valley backyard kitchen includes a dedicated propane paella stove. 

Who Wants A Paella Pan After Seeing This Glorious Dish?

Where To Go Horseback Riding In The East Bay

East Bay Regional Parks have hundreds of miles of trails open to riders along with arenas, boarding, lessons and day camps.

Trader Joe's 2024 Favorites List: All New Winners

Take a look at the annual list of the Customer Choice Awards winners and the runners-up in each category, released in January 2024.

Nearby Communities

State Edition

National Edition

Local Voices

Community Update

msurkohl, Neighbor

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