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...

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,...

Summer Special: Get 4 weeks of unlimited classes for $59! 🔥

Jazzercise Danville San Ramon Fitness Center

Our new customer offer is hotter than ever! For a limited time, buy 2 weeks and get two extra weeks FREE. 🔥 4 weeks for $59 🔥 Unlimited workouts 🔥 Built-in motivation Ready to make this the ultimate feel-good, feel-STRONG summer? Love your workout! Our classes combine strength training and cardio set to great music for real results. Join our supportive community today for a stronger tomorrow!

Contra Costa County

Danville

Our new customer offer is hotter than ever! For a limited time, buy 2 weeks and get two extra weeks FREE. 🔥 4 weeks for $59 🔥 Unlimited workouts 🔥...

Lorenzo Manor Elementary School ﻿will be having a food drive for the San Lorenzo Family Help Center ﻿from Nov. 29 to Dec. 10.

San Lorenzo Family Help Center - Food Drive

Schools

San Leandro

Union City

San Ramon

Dublin

Pleasanton

Piedmont

Angela Woodall

Lamorinda

Newark

Darcie Kent Estate Winery

Our BEST mystery case sale prices ever! Celebrate the season with our Memorial Day case offers—enjoy up to 85% off, with cases starting at just $96 for Wine Club Members, that’s only $8 per bottle!
Cases are $120 for the general public - that's just $10 per bottle! 
Choose from four unique case options: • Mixed Reds Case • Mixed Whites Case • 2019 Firepit Red (Darcie Kent label) - GOLD (SFCWC 22) • 2023 Darcie Kent Sauvignon Blanc - An award winning wine from a legendary vintage. 
Pickup only. No online orders. We cannot store or ship your order. 
All bottles are from recent vintages in excellent condition, sourced from our surplus restaurant inventory—making this the perfect time to stock up.
Join us inside Bing’s Barn for one of Darcie’s Signature Tasting Flights, and then pick up your Mystery Case (or two!) to take the experience home. We'll be open starting at 11 am on all days of the sale.

Local Event: Mystery Case Sale: wines as low as $8 per bottle!

Mystery Case Sale: wines as low as $8 per bottle!

Our BEST mystery case sale prices ever!  Celebrate the season with our Memorial Day case offers—enjoy up to 85% off, with cases...

Castro Valley Veterans Memorial

Please join Castro Valley Veterans in honoring our fallen heroes ay Castro Valley Veterans Memorial.&nbsp; Military Honors featuring Bagpiper, Drummer and rifle team .&nbsp; Scouts and Sea Cadets will be posting colors and assist with the ceremony

Local Event: Memorial Day Ceremony

Memorial Day Ceremony

Please join Castro Valley Veterans in honoring our fallen heroes ay Castro Valley Veterans Memorial.  Military Honors featuring...

Our BEST mystery case sale prices ever! Celebrate the season with our Memorial Day case offers—enjoy up to 85% off, with cases starting at just $96 for Wine Club Members, that’s only $8 per bottle!
Cases are $120 for the general public - that's just $10 per bottle! 
Choose from four unique case options: • Mixed Reds Case • Mixed Whites Case • 2019 Firepit Red Wine (Darcie Kent label) - GOLD (SFCWC 22) • 2023 Darcie Kent Sauvignon Blanc - An award winning wine from a legendary vintage. 
Pickup only. No online orders. We cannot store or ship your order. 
All bottles are from recent vintages in excellent condition, sourced from our surplus restaurant inventory—making this the perfect time to stock up.
Join us inside Bing’s Barn for one of Darcie’s Signature Tasting Flights, and then pick up your Mystery Case (or two!) to take the experience home. We'll be open starting at 11 am on all days of the sale.

Local Event: Final Day: Mystery Case Sale! Wines as low as $8 per bottle.

Final Day: Mystery Case Sale! Wines as low as...

Final Day: Mystery Case Sale! Wines as low as $8 per bottle.

Transfiguration Church Hall

Experience an elegant evening featuring a curated wine tasting flight by Twiningvine Estate Winery and a live performance by In Full Swing!, a 18-member big band. All proceeds from this $35 event go to support the St. Vincent de Paul Society in aiding the needy in Castro Valley.

Local Event: A Girl's Night Out for A Great Cause!

A Girl's Night Out for A Great Cause!

Experience an elegant evening featuring a curated wine tasting flight by Twiningvine Estate Winery and a live performance by In...

🌱 Patch AM: How Castro Valley’s softball...

Happening soon: Mystery Case Sale: wines as low as $8 per bottle! on the Castro Valley Patch calendar

🌱 Patch AM: How Castro Valley’s softball playoff run ended in a tight 1-0 loss

Community Corner

San Francisco County

San Francisco

Girl, 4, Dies In Carpool Hot Car | Fire Linked...

Fire Threatens Nuclear Lab | Major Change To Disneyland Rules | Troubles Teen In Mosque Shooting Led Police To Seize Family Guns A Year Ago

Girl, 4, Dies In Carpool Hot Car | Fire Linked To Shipwrecked Sailor | 40 Kids Rescued In Sting: CA News

🌱 Patch AM: Tri-Valley Cultural Jews Shavuos...

Coming up: Mystery Case Sale: wines as low as $8 per bottle! on the Castro Valley Patch calendar

🌱 Patch AM: Tri-Valley Cultural Jews Shavuos Bookfest & Annual Meeting and 11 more events

Across California

Newsom Warns Californians To Avoid Chevron This...

Newsom: “Big Oil is already making billions off Trump’s Iran War; don’t let them rip you off even more by overpaying for the brand name.” 

Newsom Warns Californians To Avoid Chevron This Holiday Weekend, Citing High Gas Prices

Politics & Government

Across America

Cellphone Etiquette Doesn’t Allow These Rude...

Some cellphone etiquette guidelines should be obvious, such as not using them in restaurants, stores and public bathrooms, readers said.

Cellphone Etiquette Doesn’t Allow These Rude Habits [The Question]

Put Your Smartphone Away And Be Present [The Question]

How Rude! This Applies To Anyone Using Their Smartphones In Public [The Question]

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

Schools

San Lorenzo Family Help Center - Food Drive

Erin Merdinger, Neighbor

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