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California Voters May Decide","publishDate":1714820449,"format":"standard","headTitle":"Should Kids Learn Financial Literacy in School? California Voters May Decide | KQED","labelTerm":{},"content":"\u003cp>School curriculum is usually the purview of education experts, but this fall, it could be decided by California voters, who will vote on adding a new requirement for high school students: a one-semester class in managing personal finances.\u003c/p>\n\u003cp>California’s Secretary of State is poised to certify that the \u003ca href=\"https://www.financialed4ca.com/_files/ugd/ddc900_30f9026dbbfc41da84354dffd0155870.pdf\">California Personal Finance Act\u003c/a> is eligible for the November ballot, which would add financial literacy to the list of high school graduation requirements beginning with the class of 2030.\u003c/p>\n\u003cp>Students would learn about paying for college, online banking, taxes, budgeting, credit, retirement accounts, loans, how the stock market works and other topics. The issue is critical, organizers said, as students face a shifting economy and difficult decisions about college, careers and their futures.\u003c/p>\n\u003cp>“No one comes out of the womb knowing how to manage their credit score. It has to be taught,” said Tim Ranzetta, co-founder of a \u003ca href=\"https://www.ngpf.org/\">personal finance education nonprofit\u003c/a> and a chief backer of the initiative. “And right now, there’s a dramatic gap between what students know and what they need to know. We have to change that.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Voters seem to agree with him. A 2022 \u003ca href=\"https://www.nefe.org/news/2022/04/financial-education-mandates.aspx\">survey\u003c/a> of adults nationwide showed that nearly 90% support a financial literacy requirement in high school, and nearly as many wished they had taken such a course when they were students.\u003c/p>\n\u003cp>That’s not surprising, considering the financial woes many people incur. The average \u003ca href=\"https://www.lendingtree.com/credit-cards/credit-card-debt-statistics/\">credit card debt in California\u003c/a> is $8,366, the sixth-highest rate in the country, and 1 in 6 borrowers nationwide are \u003ca href=\"https://www.newamerica.org/education-policy/edcentral/millions-spend-years-in-student-loan-default/#:~:text=Almost%207%20million%20people%2C%20about,270%20days'%20worth%20of%20payments.\">in default on their student loans\u003c/a>.\u003c/p>\n\u003ch2>Financial literacy already in classrooms\u003c/h2>\n\u003cp>However, some education experts have pushed back, not because they’re opposed to financial literacy for students but because they question whether voters are best equipped to dictate what’s taught in classrooms.\u003c/p>\n\u003cp>Currently, the state’s History-Social Studies framework includes a \u003ca href=\"https://www.cde.ca.gov/ci/hs/cf/documents/hssfwchapter18.pdf\">one-semester course in economics\u003c/a>, required for graduation, that covers much of the same material proposed by the financial literacy ballot initiative proponents. Financial literacy is also included in the first, second and ninth grade curriculum. First graders, for example, learn that money can be exchanged for goods and services, and people decide how to spend their money.\u003c/p>\n\u003cp>However, Ranzetta said the curriculum, last updated in 2017, doesn’t focus enough on financial literacy. Personal finance is covered for only a few weeks in the economics course; the rest covers more abstract economic concepts like international trade, resource allocation and the benefits and drawbacks of capitalism. Individual teachers can choose how much they want to focus on certain topics.\u003c/p>\n\u003cp>State Superintendent Tony Thurmond wouldn’t answer questions about the ballot initiative, although he endorsed it. Linda Darling-Hammond, president of the State Board of Education, also wouldn’t answer questions.\u003c/p>\n\u003ch2>Leaving curriculum decisions to voters is ‘a bad idea’\u003c/h2>\n\u003cp>The proposed ballot initiative so far has almost zero opposition, but some are questioning the idea of letting voters — and not education experts — decide what students learn in the classroom. Ordinarily, the curriculum in California is developed by a group of teachers and subject-matter professionals who serve on the \u003ca href=\"https://www.cde.ca.gov/be/cc/cd/\">Instructional Quality Commission\u003c/a>, which meets publicly six times a year. A new curriculum is subject to multiple reviews, edits and public vetting, ultimately going before the \u003ca href=\"https://www.cde.ca.gov/be/\">State Board of Education\u003c/a> for adoption. Local school boards can adjust the curriculum according to the needs of their students.\u003c/p>\n\u003cp>“Most voters don’t know much about education policy, and having them decide what can be taught in schools is a bad idea,” said Morgan Polikoff, an education professor at the University of Southern California. “We already have a process in place for adopting curriculum, and if people are unhappy with it, there are plenty of avenues to have their voices heard — they can go to meetings, they can vote people out of office, they can talk to their representatives.”\u003c/p>\n\u003cp>Polikoff worries that adopting curriculum through ballot initiatives could set a dangerous precedent. Religious or anti-LGBTQ curriculum, for example, could be approved by voters, setting up costly and lengthy legal showdowns with the state Department of Education.\u003c/p>\n\u003cp>Curriculum can be complicated, as well. When writing new curricula, the Instructional Quality Commission looks at the broader context, ensuring students get new material every year that builds on what they learned previously, subjects don’t overlap and topics are flexible enough for teachers to adapt lessons to the individual needs of their students. Textbooks and tests are also taken into consideration.\u003c/p>\n\u003ch2>Legislature weighs in\u003c/h2>\n\u003cp>Most curriculum updates and changes originate with the commission, but sometimes the Legislature weighs in. The state’s new \u003ca href=\"https://calmatters.org/education/k-12-education/2021/10/ethnic-studies-requirement/\">ethnic studies\u003c/a> and \u003ca href=\"https://calmatters.org/education/k-12-education/2023/11/fake-news-california-school/\">media literacy\u003c/a> requirements, for example, stemmed from Assembly bills. Another bill, \u003ca href=\"https://digitaldemocracy.calmatters.org/bills/ca_202320240ab2097?slug=CA_202320240AB2097\">AB 2097\u003c/a>, would add computer science as a graduation requirement.\u003c/p>\n\u003cp>\u003ca href=\"https://digitaldemocracy.calmatters.org/bills/ca_202320240ab2927?slug=CA_202320240AB2927\">AB 2927\u003c/a>, a financial literacy bill proposed by Democrat \u003ca href=\"https://digitaldemocracy.calmatters.org/legislators/kevin-mccarty-22\">Kevin McCarty\u003c/a> of Sacramento, would actually do almost the same thing as the ballot initiative. The bill would require financial literacy as a graduation requirement, although it would go into effect until 2031, a year later than the ballot measure.\u003c/p>\n\u003cp>Bruce Fuller, an education professor at UC Berkeley, said he worries about the increasing politicization of curriculum — either from the Legislature or those pushing for ballot initiatives.\u003c/p>\n\u003cp>“We have these political interests unabashedly trying to control what’s taught in the classroom instead of leaving it up to teachers and locally elected school boards,” Fuller said. “We should trust those folks to devise a thoughtful curriculum that’s appropriate for their students.”\u003c/p>\n\u003cp>He also questioned the ever-growing list of graduation requirements. High schools only offer six or seven class periods a day, and with more required classes, there’s less room for art and other electives. Some districts have started adding an extra period so students can fit in all the classes they need to take to graduate, \u003ca href=\"https://calmatters.org/education/k-12-education/2024/04/career-pathways/\">finish a career pathway\u003c/a> and qualify for California’s public universities.[aside postID=news_11984551 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240423-SAT-III-MD-06-KQED-1020x680.jpg']“I’m not sure how adding more required classes is going to motivate restless teenagers,” Fuller said. “With more requirements, we’re giving them almost no chance to study things they’re actually interested in.”\u003c/p>\n\u003cp>McCarty’s bill is not the Legislature’s first attempt to wade into financial literacy. A dozen bills requiring financial literacy have died or been vetoed in recent years, in most cases because the financial literacy curriculum already exists and the state already has a system for adopting the curriculum.\u003c/p>\n\u003cp>As Gov. Jerry Brown wrote in 2018 when he \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB858\">vetoed a bill\u003c/a> that would have made financial literacy materials available to teachers: “This bill is unnecessary. The History-Social Science Framework already contains financial literacy content for pupils in kindergarten through grade 12, as well as a financial literacy elective.”\u003c/p>\n\u003cp>Ranzetta said the Legislature’s inability to pass a financial literacy curriculum spurred him to take the matter directly to voters.\u003c/p>\n\u003cp>“I recognize the value of the process, but it’s slow, and so far, it hasn’t worked in California,” he said. “The issue is too urgent and too popular to wait any longer.”\u003c/p>\n\u003cp>Ranzetta grew up in New Jersey, where his father was a banker, and his mother was a community volunteer who raised six children. He learned financial literacy from his parents and assumed other young people did, too. It wasn’t until he started volunteering at an East Palo Alto high school that he realized many students are clueless about money and that ignorance can hamper them throughout their lives. But they were eager to learn, he said, and share the information with their parents.\u003c/p>\n\u003cp>That experience inspired him to start NextGen Personal Finance, which offers free financial literacy curriculum and training for teachers. At least 7,000 teachers in California and more than 100,000 nationwide have participated, he said.\u003c/p>\n\u003ch2>A class that demystifies money\u003c/h2>\n\u003cp>At Berkeley High School, Crystal Rigley Janis teaches two economics classes and three personal finance classes. Her classes cover topics she wishes she had known as a young person, such as negotiating a salary, not relying on gut instinct when investing, and avoiding individual stocks in favor of index funds.\u003c/p>\n\u003cp>“It took me 15 years to understand those things, and it probably cost me millions of dollars,” said Rigley, who worked for several years at a wealth management firm before going into teaching. “I don’t want other people to make the mistakes I did.”\u003c/p>\n\u003cfigure id=\"attachment_11985029\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11985029\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02-1920x1280.jpg 1920w\" sizes=\"(max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Students walk in the main entrance of Berkeley High School in Berkeley on May 1, 2024. \u003ccite>(Laure Andrillon/CalMatters)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Eliza Maier, a senior, was so inspired by Rigley’s class that she opened a Roth IRA when she turned 18 and transferred money from her low-interest savings account. The class, she said, helped demystify money and its role in major life choices.\u003c/p>\n\u003cp>“We learned that money isn’t good or bad — it’s a tool,” Maier said. “It can help you realize your goals. It can help you be prepared for whatever happens in your life. I didn’t know anything about money when I started taking this class, but I think it’s so important, especially for high school students.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"California's Secretary of State is poised to certify the California Personal Finance Act for November’s ballot, which would add financial literacy to high school graduation requirements beginning with the class of 2030.","status":"publish","parent":0,"modified":1714780996,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":31,"wordCount":1626},"headData":{"title":"Should Kids Learn Financial Literacy in School? California Voters May Decide | KQED","description":"California's Secretary of State is poised to certify the California Personal Finance Act for November’s ballot, which would add financial literacy to high school graduation requirements beginning with the class of 2030.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Should Kids Learn Financial Literacy in School? California Voters May Decide","datePublished":"2024-05-04T11:00:49.000Z","dateModified":"2024-05-04T00:03:16.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"source":"CalMatters","sourceUrl":"https://calmatters.org/","sticky":false,"nprByline":"Carolyn Jones, CalMatters","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11985022/california-voters-to-decide-on-adding-financial-literacy-course-to-high-school-curriculum","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>School curriculum is usually the purview of education experts, but this fall, it could be decided by California voters, who will vote on adding a new requirement for high school students: a one-semester class in managing personal finances.\u003c/p>\n\u003cp>California’s Secretary of State is poised to certify that the \u003ca href=\"https://www.financialed4ca.com/_files/ugd/ddc900_30f9026dbbfc41da84354dffd0155870.pdf\">California Personal Finance Act\u003c/a> is eligible for the November ballot, which would add financial literacy to the list of high school graduation requirements beginning with the class of 2030.\u003c/p>\n\u003cp>Students would learn about paying for college, online banking, taxes, budgeting, credit, retirement accounts, loans, how the stock market works and other topics. The issue is critical, organizers said, as students face a shifting economy and difficult decisions about college, careers and their futures.\u003c/p>\n\u003cp>“No one comes out of the womb knowing how to manage their credit score. It has to be taught,” said Tim Ranzetta, co-founder of a \u003ca href=\"https://www.ngpf.org/\">personal finance education nonprofit\u003c/a> and a chief backer of the initiative. “And right now, there’s a dramatic gap between what students know and what they need to know. We have to change that.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Voters seem to agree with him. A 2022 \u003ca href=\"https://www.nefe.org/news/2022/04/financial-education-mandates.aspx\">survey\u003c/a> of adults nationwide showed that nearly 90% support a financial literacy requirement in high school, and nearly as many wished they had taken such a course when they were students.\u003c/p>\n\u003cp>That’s not surprising, considering the financial woes many people incur. The average \u003ca href=\"https://www.lendingtree.com/credit-cards/credit-card-debt-statistics/\">credit card debt in California\u003c/a> is $8,366, the sixth-highest rate in the country, and 1 in 6 borrowers nationwide are \u003ca href=\"https://www.newamerica.org/education-policy/edcentral/millions-spend-years-in-student-loan-default/#:~:text=Almost%207%20million%20people%2C%20about,270%20days'%20worth%20of%20payments.\">in default on their student loans\u003c/a>.\u003c/p>\n\u003ch2>Financial literacy already in classrooms\u003c/h2>\n\u003cp>However, some education experts have pushed back, not because they’re opposed to financial literacy for students but because they question whether voters are best equipped to dictate what’s taught in classrooms.\u003c/p>\n\u003cp>Currently, the state’s History-Social Studies framework includes a \u003ca href=\"https://www.cde.ca.gov/ci/hs/cf/documents/hssfwchapter18.pdf\">one-semester course in economics\u003c/a>, required for graduation, that covers much of the same material proposed by the financial literacy ballot initiative proponents. Financial literacy is also included in the first, second and ninth grade curriculum. First graders, for example, learn that money can be exchanged for goods and services, and people decide how to spend their money.\u003c/p>\n\u003cp>However, Ranzetta said the curriculum, last updated in 2017, doesn’t focus enough on financial literacy. Personal finance is covered for only a few weeks in the economics course; the rest covers more abstract economic concepts like international trade, resource allocation and the benefits and drawbacks of capitalism. Individual teachers can choose how much they want to focus on certain topics.\u003c/p>\n\u003cp>State Superintendent Tony Thurmond wouldn’t answer questions about the ballot initiative, although he endorsed it. Linda Darling-Hammond, president of the State Board of Education, also wouldn’t answer questions.\u003c/p>\n\u003ch2>Leaving curriculum decisions to voters is ‘a bad idea’\u003c/h2>\n\u003cp>The proposed ballot initiative so far has almost zero opposition, but some are questioning the idea of letting voters — and not education experts — decide what students learn in the classroom. Ordinarily, the curriculum in California is developed by a group of teachers and subject-matter professionals who serve on the \u003ca href=\"https://www.cde.ca.gov/be/cc/cd/\">Instructional Quality Commission\u003c/a>, which meets publicly six times a year. A new curriculum is subject to multiple reviews, edits and public vetting, ultimately going before the \u003ca href=\"https://www.cde.ca.gov/be/\">State Board of Education\u003c/a> for adoption. Local school boards can adjust the curriculum according to the needs of their students.\u003c/p>\n\u003cp>“Most voters don’t know much about education policy, and having them decide what can be taught in schools is a bad idea,” said Morgan Polikoff, an education professor at the University of Southern California. “We already have a process in place for adopting curriculum, and if people are unhappy with it, there are plenty of avenues to have their voices heard — they can go to meetings, they can vote people out of office, they can talk to their representatives.”\u003c/p>\n\u003cp>Polikoff worries that adopting curriculum through ballot initiatives could set a dangerous precedent. Religious or anti-LGBTQ curriculum, for example, could be approved by voters, setting up costly and lengthy legal showdowns with the state Department of Education.\u003c/p>\n\u003cp>Curriculum can be complicated, as well. When writing new curricula, the Instructional Quality Commission looks at the broader context, ensuring students get new material every year that builds on what they learned previously, subjects don’t overlap and topics are flexible enough for teachers to adapt lessons to the individual needs of their students. Textbooks and tests are also taken into consideration.\u003c/p>\n\u003ch2>Legislature weighs in\u003c/h2>\n\u003cp>Most curriculum updates and changes originate with the commission, but sometimes the Legislature weighs in. The state’s new \u003ca href=\"https://calmatters.org/education/k-12-education/2021/10/ethnic-studies-requirement/\">ethnic studies\u003c/a> and \u003ca href=\"https://calmatters.org/education/k-12-education/2023/11/fake-news-california-school/\">media literacy\u003c/a> requirements, for example, stemmed from Assembly bills. Another bill, \u003ca href=\"https://digitaldemocracy.calmatters.org/bills/ca_202320240ab2097?slug=CA_202320240AB2097\">AB 2097\u003c/a>, would add computer science as a graduation requirement.\u003c/p>\n\u003cp>\u003ca href=\"https://digitaldemocracy.calmatters.org/bills/ca_202320240ab2927?slug=CA_202320240AB2927\">AB 2927\u003c/a>, a financial literacy bill proposed by Democrat \u003ca href=\"https://digitaldemocracy.calmatters.org/legislators/kevin-mccarty-22\">Kevin McCarty\u003c/a> of Sacramento, would actually do almost the same thing as the ballot initiative. The bill would require financial literacy as a graduation requirement, although it would go into effect until 2031, a year later than the ballot measure.\u003c/p>\n\u003cp>Bruce Fuller, an education professor at UC Berkeley, said he worries about the increasing politicization of curriculum — either from the Legislature or those pushing for ballot initiatives.\u003c/p>\n\u003cp>“We have these political interests unabashedly trying to control what’s taught in the classroom instead of leaving it up to teachers and locally elected school boards,” Fuller said. “We should trust those folks to devise a thoughtful curriculum that’s appropriate for their students.”\u003c/p>\n\u003cp>He also questioned the ever-growing list of graduation requirements. High schools only offer six or seven class periods a day, and with more required classes, there’s less room for art and other electives. Some districts have started adding an extra period so students can fit in all the classes they need to take to graduate, \u003ca href=\"https://calmatters.org/education/k-12-education/2024/04/career-pathways/\">finish a career pathway\u003c/a> and qualify for California’s public universities.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11984551","hero":"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/04/240423-SAT-III-MD-06-KQED-1020x680.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>“I’m not sure how adding more required classes is going to motivate restless teenagers,” Fuller said. “With more requirements, we’re giving them almost no chance to study things they’re actually interested in.”\u003c/p>\n\u003cp>McCarty’s bill is not the Legislature’s first attempt to wade into financial literacy. A dozen bills requiring financial literacy have died or been vetoed in recent years, in most cases because the financial literacy curriculum already exists and the state already has a system for adopting the curriculum.\u003c/p>\n\u003cp>As Gov. Jerry Brown wrote in 2018 when he \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB858\">vetoed a bill\u003c/a> that would have made financial literacy materials available to teachers: “This bill is unnecessary. The History-Social Science Framework already contains financial literacy content for pupils in kindergarten through grade 12, as well as a financial literacy elective.”\u003c/p>\n\u003cp>Ranzetta said the Legislature’s inability to pass a financial literacy curriculum spurred him to take the matter directly to voters.\u003c/p>\n\u003cp>“I recognize the value of the process, but it’s slow, and so far, it hasn’t worked in California,” he said. “The issue is too urgent and too popular to wait any longer.”\u003c/p>\n\u003cp>Ranzetta grew up in New Jersey, where his father was a banker, and his mother was a community volunteer who raised six children. He learned financial literacy from his parents and assumed other young people did, too. It wasn’t until he started volunteering at an East Palo Alto high school that he realized many students are clueless about money and that ignorance can hamper them throughout their lives. But they were eager to learn, he said, and share the information with their parents.\u003c/p>\n\u003cp>That experience inspired him to start NextGen Personal Finance, which offers free financial literacy curriculum and training for teachers. At least 7,000 teachers in California and more than 100,000 nationwide have participated, he said.\u003c/p>\n\u003ch2>A class that demystifies money\u003c/h2>\n\u003cp>At Berkeley High School, Crystal Rigley Janis teaches two economics classes and three personal finance classes. Her classes cover topics she wishes she had known as a young person, such as negotiating a salary, not relying on gut instinct when investing, and avoiding individual stocks in favor of index funds.\u003c/p>\n\u003cp>“It took me 15 years to understand those things, and it probably cost me millions of dollars,” said Rigley, who worked for several years at a wealth management firm before going into teaching. “I don’t want other people to make the mistakes I did.”\u003c/p>\n\u003cfigure id=\"attachment_11985029\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11985029\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/CMFinance02-1920x1280.jpg 1920w\" sizes=\"(max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Students walk in the main entrance of Berkeley High School in Berkeley on May 1, 2024. \u003ccite>(Laure Andrillon/CalMatters)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Eliza Maier, a senior, was so inspired by Rigley’s class that she opened a Roth IRA when she turned 18 and transferred money from her low-interest savings account. The class, she said, helped demystify money and its role in major life choices.\u003c/p>\n\u003cp>“We learned that money isn’t good or bad — it’s a tool,” Maier said. “It can help you realize your goals. It can help you be prepared for whatever happens in your life. I didn’t know anything about money when I started taking this class, but I think it’s so important, especially for high school students.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11985022/california-voters-to-decide-on-adding-financial-literacy-course-to-high-school-curriculum","authors":["byline_news_11985022"],"categories":["news_18540","news_8"],"tags":["news_18538","news_20013","news_2619"],"affiliates":["news_18481"],"featImg":"news_11985024","label":"source_news_11985022"},"forum_2010101905623":{"type":"posts","id":"forum_2010101905623","meta":{"index":"posts_1591205157","site":"forum","id":"2010101905623","found":true},"guestAuthors":[],"slug":"gaza-war-ceasefire-talks-continue-as-israel-threatens-rafah-invasion","title":"Gaza War Ceasefire Talks Continue as Israel Threatens Rafah Invasion","publishDate":1714775837,"format":"audio","headTitle":"Gaza War Ceasefire Talks Continue as Israel Threatens Rafah Invasion | KQED","labelTerm":{"site":"forum"},"content":"\u003cp>As the war between Israel and Hamas enters its eighth month, U.S., Egyptian and Qatari mediators are awaiting a response from Hamas on a proposed ceasefire deal that calls for the release of Israeli hostages and Palestinian prisoners. But Israeli Prime Minister Benjamin Netanyahu warns that Israel will invade the Palestinian city Rafah – where one million displaced Gazans are seeking refuge – “with or without a deal.” We’ll look at where negotiations stand, what it would take to end the war in Gaza and what the next steps might be.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n","blocks":[],"excerpt":"We’ll look at where negotiations stand, what it would take to end the war in Gaza and what the next steps might be.","status":"publish","parent":0,"modified":1714925532,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":3,"wordCount":98},"headData":{"title":"Gaza War Ceasefire Talks Continue as Israel Threatens Rafah Invasion | KQED","description":"We’ll look at where negotiations stand, what it would take to end the war in Gaza and what the next steps might be.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"Article","headline":"Gaza War Ceasefire Talks Continue as Israel Threatens Rafah Invasion","datePublished":"2024-05-03T22:37:17.000Z","dateModified":"2024-05-05T16:12:12.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}},"airdate":1715014800,"forumGuests":[{"name":"Bel Trew","bio":"chief international correspondent, The Independent"},{"name":"Missy Ryan","bio":"national security correspondent, Washington Post"},{"name":"Gregg Carlstrom","bio":"Middle East correspondent, The Economist - author of \"How Long Will Israel Survive? The Threat From Within\""}],"sticky":false,"excludeFromSiteSearch":"Include","articleAge":"0","path":"/forum/2010101905623/gaza-war-ceasefire-talks-continue-as-israel-threatens-rafah-invasion","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>As the war between Israel and Hamas enters its eighth month, U.S., Egyptian and Qatari mediators are awaiting a response from Hamas on a proposed ceasefire deal that calls for the release of Israeli hostages and Palestinian prisoners. But Israeli Prime Minister Benjamin Netanyahu warns that Israel will invade the Palestinian city Rafah – where one million displaced Gazans are seeking refuge – “with or without a deal.” We’ll look at where negotiations stand, what it would take to end the war in Gaza and what the next steps might be.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/forum/2010101905623/gaza-war-ceasefire-talks-continue-as-israel-threatens-rafah-invasion","authors":["243"],"categories":["forum_165"],"featImg":"forum_2010101905630","label":"forum"},"forum_2010101905617":{"type":"posts","id":"forum_2010101905617","meta":{"index":"posts_1591205157","site":"forum","id":"2010101905617","found":true},"guestAuthors":[],"slug":"will-the-u-s-really-ban-tiktok","title":"Will the U.S. Really Ban TikTok?","publishDate":1714761961,"format":"audio","headTitle":"Will the U.S. Really Ban TikTok? | KQED","labelTerm":{"site":"forum"},"content":"\u003cp>What’s next for TikTok? President Biden signed legislation on April 24 that would ban the popular video-sharing app unless its Chinese owner ByteDance sells to a U.S-based company. Supporters of the law say TikTok poses national security risks, warning that the Chinese government could potentially access sensitive user data or spread misinformation on the app. ByteDance says it has no intention of selling and will fight in the courts to stay in business. We’ll look at what it all could mean for TikTok and its 170 million users in the US.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n","blocks":[],"excerpt":"President Biden signed legislation on April 24 that would ban the popular video-sharing app unless its Chinese owner ByteDance sells to a U.S-based company. We’ll look at what it all could mean for TikTok and its 170 million users in the US.","status":"publish","parent":0,"modified":1714772218,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":3,"wordCount":100},"headData":{"title":"Will the U.S. Really Ban TikTok? | KQED","description":"President Biden signed legislation on April 24 that would ban the popular video-sharing app unless its Chinese owner ByteDance sells to a U.S-based company. We’ll look at what it all could mean for TikTok and its 170 million users in the US.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"Article","headline":"Will the U.S. Really Ban TikTok?","datePublished":"2024-05-03T18:46:01.000Z","dateModified":"2024-05-03T21:36:58.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}},"airdate":1715011200,"forumGuests":[{"name":"Tim Wu","bio":"professor of law, science and technology, Columbia Law School - His latest book is \"The Curse of Bigness: Antitrust in the New Gilded Age.\""},{"name":"Suzy Loftus","bio":"Head of Trust and Safety, TikTok USDS"},{"name":"Sapna Maheshwari","bio":"business reporter, New York Times - covering TikTok and emerging media."},{"name":"Vivian Xue","bio":"TikTok creator; CEO, Pamper Nail Gallery - based in San Francisco."}],"sticky":false,"excludeFromSiteSearch":"Include","articleAge":"0","path":"/forum/2010101905617/will-the-u-s-really-ban-tiktok","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>What’s next for TikTok? President Biden signed legislation on April 24 that would ban the popular video-sharing app unless its Chinese owner ByteDance sells to a U.S-based company. Supporters of the law say TikTok poses national security risks, warning that the Chinese government could potentially access sensitive user data or spread misinformation on the app. ByteDance says it has no intention of selling and will fight in the courts to stay in business. We’ll look at what it all could mean for TikTok and its 170 million users in the US.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/forum/2010101905617/will-the-u-s-really-ban-tiktok","authors":["3239"],"categories":["forum_165"],"featImg":"forum_2010101905620","label":"forum"},"news_11985041":{"type":"posts","id":"news_11985041","meta":{"index":"posts_1591205157","site":"news","id":"11985041","found":true},"guestAuthors":[],"slug":"grooblen-egg-freeze","title":"Grooblen: 'Egg Freeze'","publishDate":1714955442,"format":"standard","headTitle":"Grooblen: ‘Egg Freeze’ | KQED","labelTerm":{},"content":"\u003cp>\u003cem>\u003ca href=\"https://www.kqed.org/sundaymusicdrop\">The Sunday Music Drop is a weekly radio series hosted by the KQED weekend news team.\u003c/a> In each segment, we feature a song from a local musician or band with an upcoming show and hear about what inspires their music.\u003c/em>\u003c/p>\n\u003cp>Vocalist and guitarist Ellie Stokes of the San Francisco-based “cabaret dream psych band” Grooblen found her true love for rock when she was able to participate in the SF Rock Project, a nonprofit music school for youth.\u003c/p>\n\u003cp>“I was introduced to so many people in the music community — just intergenerationally — from a very young age because we played a lot of, like, street festivals, like Sunday streets, we played a lot of community events,” said Stokes.\u003c/p>\n\u003cp>Stokes formed the band initially with her brother and a family friend, who played songs she had written over the years. Eventually, they went to college and Stokes began volunteering at a community radio station during the pandemic. She met her friend and drummer Sean Aaron there and the two began performing as a duo. The other band members would later join through connections at the radio station and other friends.\u003c/p>\n\u003cp>Stokes also runs a small nonprofit organization called Big Leap Collective that throws accessible community concerts within the Bay Area and beyond. There’s also an educational program for people to learn skills in production management and more.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“We feature a lot of like independent local artists and touring bands as well that don’t really have as much of a financial backing,” she said.\u003c/p>\n\u003cp>The song “Egg Freeze” was written after Stokes experienced chronic pain and consulted with her gynecologist.\u003c/p>\n\u003cp>“She was like, ‘well, the only real way to basically stop the suffering is to get a hysterectomy.’ And I was like, that certainly can’t be true,” said Stokes. “That was the launch pad, and this was kind of written, like, what if that was the only option? If I wanted to have this option in the future, if I wanted to have children, I’d have to get my eggs frozen.”\u003c/p>\n\u003cp>She was able to have a different procedure done instead that helped her manage pain.\u003c/p>\n\u003cp>“I know they’re just, there’s so many people out there who don’t have that access and it just feels like they aren’t getting listened to,” she said. “Everyone deserves a chance to be able to feel good in their body.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The band’s members include Sean Aaron, Alejandro Lara-Agraz, Spencer Lay, Eva Gogas, Jack Lillian. If you’d like to hear them live, Grooblen will be performing at \u003ca href=\"https://www.neckofthewoodssf.com/tm-event/swiss-grooblen-loolowningentoyko-aaron-space-and-his-terrestrial-underlings/\">Neck of the Woods\u003c/a> in San Francisco on May 22.\u003c/p>\n\n","blocks":[],"excerpt":"In this episode of the Sunday Music Drop, the San Francisco-based “cabaret dream psych band” Grooblen shares their song \"Egg Freeze\" about being on guard for uncertainties in life.","status":"publish","parent":0,"modified":1714955442,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":13,"wordCount":472},"headData":{"title":"Grooblen: 'Egg Freeze' | KQED","description":"In this episode of the Sunday Music Drop, the San Francisco-based “cabaret dream psych band” Grooblen shares their song "Egg Freeze" about being on guard for uncertainties in life.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Grooblen: 'Egg Freeze'","datePublished":"2024-05-06T00:30:42.000Z","dateModified":"2024-05-06T00:30:42.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"source":"Sunday Music Drop","sourceUrl":"https://www.kqed.org/sundaymusicdrop","audioUrl":"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/SMD_GROOBLEN_240505-1.mp3","sticky":false,"nprStoryId":"kqed-11985041","excludeFromSiteSearch":"Include","articleAge":"0","path":"/news/11985041/grooblen-egg-freeze","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>\u003ca href=\"https://www.kqed.org/sundaymusicdrop\">The Sunday Music Drop is a weekly radio series hosted by the KQED weekend news team.\u003c/a> In each segment, we feature a song from a local musician or band with an upcoming show and hear about what inspires their music.\u003c/em>\u003c/p>\n\u003cp>Vocalist and guitarist Ellie Stokes of the San Francisco-based “cabaret dream psych band” Grooblen found her true love for rock when she was able to participate in the SF Rock Project, a nonprofit music school for youth.\u003c/p>\n\u003cp>“I was introduced to so many people in the music community — just intergenerationally — from a very young age because we played a lot of, like, street festivals, like Sunday streets, we played a lot of community events,” said Stokes.\u003c/p>\n\u003cp>Stokes formed the band initially with her brother and a family friend, who played songs she had written over the years. Eventually, they went to college and Stokes began volunteering at a community radio station during the pandemic. She met her friend and drummer Sean Aaron there and the two began performing as a duo. The other band members would later join through connections at the radio station and other friends.\u003c/p>\n\u003cp>Stokes also runs a small nonprofit organization called Big Leap Collective that throws accessible community concerts within the Bay Area and beyond. There’s also an educational program for people to learn skills in production management and more.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“We feature a lot of like independent local artists and touring bands as well that don’t really have as much of a financial backing,” she said.\u003c/p>\n\u003cp>The song “Egg Freeze” was written after Stokes experienced chronic pain and consulted with her gynecologist.\u003c/p>\n\u003cp>“She was like, ‘well, the only real way to basically stop the suffering is to get a hysterectomy.’ And I was like, that certainly can’t be true,” said Stokes. “That was the launch pad, and this was kind of written, like, what if that was the only option? If I wanted to have this option in the future, if I wanted to have children, I’d have to get my eggs frozen.”\u003c/p>\n\u003cp>She was able to have a different procedure done instead that helped her manage pain.\u003c/p>\n\u003cp>“I know they’re just, there’s so many people out there who don’t have that access and it just feels like they aren’t getting listened to,” she said. “Everyone deserves a chance to be able to feel good in their body.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The band’s members include Sean Aaron, Alejandro Lara-Agraz, Spencer Lay, Eva Gogas, Jack Lillian. If you’d like to hear them live, Grooblen will be performing at \u003ca href=\"https://www.neckofthewoodssf.com/tm-event/swiss-grooblen-loolowningentoyko-aaron-space-and-his-terrestrial-underlings/\">Neck of the Woods\u003c/a> in San Francisco on May 22.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11985041/grooblen-egg-freeze","authors":["11772","11784"],"categories":["news_29992","news_223","news_8"],"tags":["news_31662","news_31663"],"featImg":"news_11985045","label":"source_news_11985041"},"news_11975582":{"type":"posts","id":"news_11975582","meta":{"index":"posts_1591205157","site":"news","id":"11975582","found":true},"guestAuthors":[],"slug":"inheriting-a-home-in-california-heres-what-you-need-to-know","title":"Inheriting a Home in California? Here's What You Need to Know","publishDate":1707854404,"format":"standard","headTitle":"Inheriting a Home in California? Here’s What You Need to Know | KQED","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>If you’re expecting to inherit a home in California, you might need to find a “for sale” sign. \u003ca href=\"https://www.kqed.org/news/11841414/what-you-need-to-know-about-proposition-19-and-property-tax-transfers-transcript\">That’s because Proposition 19\u003c/a> has made it much harder to keep that house.\u003c/p>\n\u003cp>Before the proposition narrowly passed in 2020, parents could pass down their home and their very low property tax rate to their children. But Proposition 19 changed that. Now, the property’s value gets reassessed at the time of transfer, and the property taxes could rise along with it. It’s confusing for some who can’t decide whether they should sell or keep their newly inherited property.\u003c/p>\n\u003cp>For many people in California, inheriting a home their parents bought decades earlier — when the cost of housing was much more affordable concerning average salaries — is the only way they’ll be able to own a home. If you’re in this situation, keep reading for some factors to consider:\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003ch2>Do you plan to live in the house you inherit?\u003c/h2>\n\u003cp>There are some benefits for people who choose to make an inherited property their primary residence. If you plan to live in the inherited home, you can apply to have up to $1 million excluded from the tax reassessment as long as you move into the home within a year of the transfer. [pullquote size=\"medium\" align=\"right\" citation=\"Alicia Gamez, attorney, specializing in California taxation law, estate planning, trust and probate law\"]‘I have seen circumstances where the property tax reassessment really threatens a family’s ability to stay in their neighborhood.’[/pullquote]Despite those benefits, there are some downsides, said Alicia Gamez, an attorney specializing in California taxation law, estate planning, trust and probate law. If a family’s home is a multi-unit building, where the parents live in one unit while their children live in other units, only the parents’ unit will qualify for a reassessment exemption. The other units, where the children live, would get reassessed.\u003c/p>\n\u003cp>“I have seen circumstances where the property tax reassessment really threatens a family’s ability to stay in their neighborhood,” Gamez said.\u003c/p>\n\u003cp>Gamez said situations can differ based on the circumstances of families. If the home requires repairs, those can add up, and deciding to live in the home is even more expensive and complicated. If siblings are involved, selling and splitting the money may be easier than having one sibling buy out the others.\u003c/p>\n\u003cp>If the children already own a home, they might not want to move. In that case, they can choose to sell the inherited property or rent it out.\u003c/p>\n\u003ch2>Do you plan to rent out the inherited house?\u003c/h2>\n\u003cp>Rather than selling the inherited property, many inheritors chose to rent out the home and collect a passive income. Before Proposition 19 passed, the inheritors could keep the low property tax rate. [aside label='More on Housing' tag='housing']Some people called this the “\u003ca href=\"https://calmatters.org/economy/2018/08/prop-13-jeff-bridges-property-taxes-inheritance-estate-california/\">Lebowski loophole\u003c/a>” because the law allowed people like actor Jeff Bridges and his siblings to \u003ca href=\"https://www.latimes.com/politics/la-pol-ca-california-property-taxes-elites-201808-htmlstory.html\">pay $5,700 in annual property taxes\u003c/a> on the Malibu beach house his parents bought in the 1950s while renting it out for $15,995 a month.\u003c/p>\n\u003cp>But now, if you plan to rent out the property you inherit, the property’s value will be reassessed and could result in a steep increase in property taxes.\u003c/p>\n\u003cp>Gamez said Proposition 19 also aimed to fix some of the “market anomalies” created by decades of unusually low tax rates.\u003c/p>\n\u003cp>“There were people in San Francisco who had real estate that was vacant, and it only cost them $600 a year in property taxes,” she said. “They chose not to sell it because it was an appreciating asset with very low overhead.”\u003c/p>\n\u003cp>With Proposition 19, she said, “It’s going to cost them tens of thousands of dollars to just hold it.”\u003c/p>\n\u003ch2>Why was Proposition 19 passed in the first place?\u003c/h2>\n\u003cp>Proposition 19, officially called the Home Protection for Seniors, Severely Disabled, Families and Victims of Wildfire or Natural Disasters Act, aimed to help people 55 years and older downsize from larger, single-family homes into smaller houses.\u003c/p>\n\u003cp>The \u003ca href=\"https://www.car.org/knowledge/brokers/Prop-19\">California Association of Realtors\u003c/a> lobbied in favor of the proposition and promised it would “open up tens of thousands of housing opportunities,” making the homes “more readily available for first-time homeowners, families and Californians throughout the state.”\u003c/p>\n\u003cp>Thanks to Proposition 19, people looking to downsize into a smaller home or condo can keep their low tax rate if they purchase a home of equal or lesser value.\u003c/p>\n\u003cp>Of the money generated through the increased property taxes this new law is expected to generate, 80% funds fire suppression efforts for local special districts and the rest goes to the State Department of Forestry and Fire Protection.\u003c/p>\n\u003ch2>Is there a chance Proposition 19 will be overturned?\u003c/h2>\n\u003cp>Some property owners across the state want to \u003ca href=\"https://reinstate58.hjta.org/\">repeal Proposition 19\u003c/a> and bring the issue in front of voters, but the movement is still small. [pullquote size=\"medium\" align=\"right\" citation=\"Kern Singh, attorney, specializing in estate law\"]‘I’m a real estate investor myself, and I haven’t taken any drastic measures. I’m waiting to see how this pans out in the long run.’[/pullquote]Kern Singh, an attorney who specializes in estate law, said some of his clients considered transferring their property to their children immediately, rather than waiting for the property to increase in value, as a way to maintain a lower tax rate. But he said he’s urging those clients to wait and see what happens with Proposition 19.\u003c/p>\n\u003cp>“I’m a real estate investor myself, and I haven’t taken any drastic measures,” he said. “I’m waiting to see how this pans out in the long run.”\u003c/p>\n\u003cp>Gamez is a bit more skeptical about any repeal effort, especially as more people purchase homes in California and pay steep property taxes, often for older properties.\u003c/p>\n\u003cp>“I think that for every person who has a super low property tax basis, they have several neighbors who do not,” she said. “Are those neighbors going to vote to let their neighbor keep their 1979 property tax basis? I think there are a lot of people who feel significant resentment towards having not been born here in the first place.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"Proposition 19, which voters narrowly passed in 2020, aimed to give a tax break to older Californians looking to downsize. But the new law also changed the math for people inheriting a home, complicating an already emotional decision.","status":"publish","parent":0,"modified":1707858552,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":22,"wordCount":1093},"headData":{"title":"Inheriting a Home in California? Here's What You Need to Know | KQED","description":"Proposition 19, which voters narrowly passed in 2020, aimed to give a tax break to older Californians looking to downsize. But the new law also changed the math for people inheriting a home, complicating an already emotional decision.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Inheriting a Home in California? Here's What You Need to Know","datePublished":"2024-02-13T20:00:04.000Z","dateModified":"2024-02-13T21:09:12.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"sticky":false,"excludeFromSiteSearch":"Include","articleAge":"0","path":"/news/11975582/inheriting-a-home-in-california-heres-what-you-need-to-know","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>If you’re expecting to inherit a home in California, you might need to find a “for sale” sign. \u003ca href=\"https://www.kqed.org/news/11841414/what-you-need-to-know-about-proposition-19-and-property-tax-transfers-transcript\">That’s because Proposition 19\u003c/a> has made it much harder to keep that house.\u003c/p>\n\u003cp>Before the proposition narrowly passed in 2020, parents could pass down their home and their very low property tax rate to their children. But Proposition 19 changed that. Now, the property’s value gets reassessed at the time of transfer, and the property taxes could rise along with it. It’s confusing for some who can’t decide whether they should sell or keep their newly inherited property.\u003c/p>\n\u003cp>For many people in California, inheriting a home their parents bought decades earlier — when the cost of housing was much more affordable concerning average salaries — is the only way they’ll be able to own a home. If you’re in this situation, keep reading for some factors to consider:\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch2>Do you plan to live in the house you inherit?\u003c/h2>\n\u003cp>There are some benefits for people who choose to make an inherited property their primary residence. If you plan to live in the inherited home, you can apply to have up to $1 million excluded from the tax reassessment as long as you move into the home within a year of the transfer. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘I have seen circumstances where the property tax reassessment really threatens a family’s ability to stay in their neighborhood.’","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Alicia Gamez, attorney, specializing in California taxation law, estate planning, trust and probate law","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Despite those benefits, there are some downsides, said Alicia Gamez, an attorney specializing in California taxation law, estate planning, trust and probate law. If a family’s home is a multi-unit building, where the parents live in one unit while their children live in other units, only the parents’ unit will qualify for a reassessment exemption. The other units, where the children live, would get reassessed.\u003c/p>\n\u003cp>“I have seen circumstances where the property tax reassessment really threatens a family’s ability to stay in their neighborhood,” Gamez said.\u003c/p>\n\u003cp>Gamez said situations can differ based on the circumstances of families. If the home requires repairs, those can add up, and deciding to live in the home is even more expensive and complicated. If siblings are involved, selling and splitting the money may be easier than having one sibling buy out the others.\u003c/p>\n\u003cp>If the children already own a home, they might not want to move. In that case, they can choose to sell the inherited property or rent it out.\u003c/p>\n\u003ch2>Do you plan to rent out the inherited house?\u003c/h2>\n\u003cp>Rather than selling the inherited property, many inheritors chose to rent out the home and collect a passive income. Before Proposition 19 passed, the inheritors could keep the low property tax rate. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"More on Housing ","tag":"housing"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Some people called this the “\u003ca href=\"https://calmatters.org/economy/2018/08/prop-13-jeff-bridges-property-taxes-inheritance-estate-california/\">Lebowski loophole\u003c/a>” because the law allowed people like actor Jeff Bridges and his siblings to \u003ca href=\"https://www.latimes.com/politics/la-pol-ca-california-property-taxes-elites-201808-htmlstory.html\">pay $5,700 in annual property taxes\u003c/a> on the Malibu beach house his parents bought in the 1950s while renting it out for $15,995 a month.\u003c/p>\n\u003cp>But now, if you plan to rent out the property you inherit, the property’s value will be reassessed and could result in a steep increase in property taxes.\u003c/p>\n\u003cp>Gamez said Proposition 19 also aimed to fix some of the “market anomalies” created by decades of unusually low tax rates.\u003c/p>\n\u003cp>“There were people in San Francisco who had real estate that was vacant, and it only cost them $600 a year in property taxes,” she said. “They chose not to sell it because it was an appreciating asset with very low overhead.”\u003c/p>\n\u003cp>With Proposition 19, she said, “It’s going to cost them tens of thousands of dollars to just hold it.”\u003c/p>\n\u003ch2>Why was Proposition 19 passed in the first place?\u003c/h2>\n\u003cp>Proposition 19, officially called the Home Protection for Seniors, Severely Disabled, Families and Victims of Wildfire or Natural Disasters Act, aimed to help people 55 years and older downsize from larger, single-family homes into smaller houses.\u003c/p>\n\u003cp>The \u003ca href=\"https://www.car.org/knowledge/brokers/Prop-19\">California Association of Realtors\u003c/a> lobbied in favor of the proposition and promised it would “open up tens of thousands of housing opportunities,” making the homes “more readily available for first-time homeowners, families and Californians throughout the state.”\u003c/p>\n\u003cp>Thanks to Proposition 19, people looking to downsize into a smaller home or condo can keep their low tax rate if they purchase a home of equal or lesser value.\u003c/p>\n\u003cp>Of the money generated through the increased property taxes this new law is expected to generate, 80% funds fire suppression efforts for local special districts and the rest goes to the State Department of Forestry and Fire Protection.\u003c/p>\n\u003ch2>Is there a chance Proposition 19 will be overturned?\u003c/h2>\n\u003cp>Some property owners across the state want to \u003ca href=\"https://reinstate58.hjta.org/\">repeal Proposition 19\u003c/a> and bring the issue in front of voters, but the movement is still small. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘I’m a real estate investor myself, and I haven’t taken any drastic measures. I’m waiting to see how this pans out in the long run.’","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Kern Singh, attorney, specializing in estate law","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Kern Singh, an attorney who specializes in estate law, said some of his clients considered transferring their property to their children immediately, rather than waiting for the property to increase in value, as a way to maintain a lower tax rate. But he said he’s urging those clients to wait and see what happens with Proposition 19.\u003c/p>\n\u003cp>“I’m a real estate investor myself, and I haven’t taken any drastic measures,” he said. “I’m waiting to see how this pans out in the long run.”\u003c/p>\n\u003cp>Gamez is a bit more skeptical about any repeal effort, especially as more people purchase homes in California and pay steep property taxes, often for older properties.\u003c/p>\n\u003cp>“I think that for every person who has a super low property tax basis, they have several neighbors who do not,” she said. “Are those neighbors going to vote to let their neighbor keep their 1979 property tax basis? I think there are a lot of people who feel significant resentment towards having not been born here in the first place.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11975582/inheriting-a-home-in-california-heres-what-you-need-to-know","authors":["11672"],"programs":["news_72"],"categories":["news_6266","news_8"],"tags":["news_32707","news_18538","news_27626","news_1775"],"featImg":"news_11975585","label":"news_72"},"news_11985009":{"type":"posts","id":"news_11985009","meta":{"index":"posts_1591205157","site":"news","id":"11985009","found":true},"guestAuthors":[],"slug":"congressional-recount-drama-and-questions-about-campus-protests","title":"Congressional Recount Drama and Questions About Campus Protests","publishDate":1714782609,"format":"audio","headTitle":"Congressional Recount Drama and Questions About Campus Protests | KQED","labelTerm":{},"content":"\u003cp>Scott, Marisa and Guy tackle the political intrigue behind the race for Anna Eshoo’s congressional seat, where a recount knocks out one contender. Plus, they dig into the ongoing turmoil and controversy involving campus protests over Israel’s war in Gaza, how campuses are responding and the political implications for November.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n","blocks":[],"excerpt":null,"status":"publish","parent":0,"modified":1714765979,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":3,"wordCount":56},"headData":{"title":"Congressional Recount Drama and Questions About Campus Protests | KQED","description":"Scott, Marisa and Guy tackle the political intrigue behind the race for Anna Eshoo’s congressional seat, where a recount knocks out one contender. Plus, they dig into the ongoing turmoil and controversy involving campus protests over Israel’s war in Gaza, how campuses are responding and the political implications for November.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Congressional Recount Drama and Questions About Campus Protests","datePublished":"2024-05-04T00:30:09.000Z","dateModified":"2024-05-03T19:52:59.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"source":"Political Breakdown","audioUrl":"https://www.podtrac.com/pts/redirect.mp3/chrt.fm/track/G6C7C3/traffic.megaphone.fm/KQINC4604223973.mp3?updated=1714765965","sticky":false,"excludeFromSiteSearch":"Include","articleAge":"0","path":"/news/11985009/congressional-recount-drama-and-questions-about-campus-protests","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Scott, Marisa and Guy tackle the political intrigue behind the race for Anna Eshoo’s congressional seat, where a recount knocks out one contender. Plus, they dig into the ongoing turmoil and controversy involving campus protests over Israel’s war in Gaza, how campuses are responding and the political implications for November.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11985009/congressional-recount-drama-and-questions-about-campus-protests","authors":["255","3239","227"],"categories":["news_8"],"tags":["news_34008","news_34017","news_33959","news_33881","news_29089","news_33673","news_29808","news_22235","news_17968","news_6413"],"featImg":"news_11984568","label":"source_news_11985009"},"news_11984830":{"type":"posts","id":"news_11984830","meta":{"index":"posts_1591205157","site":"news","id":"11984830","found":true},"guestAuthors":[],"slug":"california-forever-shells-out-2m-in-campaign-to-build-city-from-scratch","title":"California Forever Shells out $2M in Campaign to Build City from Scratch","publishDate":1714754572,"format":"standard","headTitle":"California Forever Shells out $2M in Campaign to Build City from Scratch | KQED","labelTerm":{"site":"news"},"content":"\u003cp>California Forever spent some $2 million in the first three months of the year on its campaign to convince voters it should be allowed to build a city from scratch in Eastern Solano County, newly released campaign finance records show.\u003c/p>\n\u003cp>That money includes funds it has budgeted but has yet to pay out to contractors and around $1 million of in-kind contributions. The company has thus far been the sole contributor to its campaign, according to the records.\u003c/p>\n\u003cp>When he\u003ca href=\"https://www.kqed.org/news/11972769/not-just-a-crazy-idea-california-forever-releases-ballot-details-for-new-bay-area-city\"> introduced the initiative\u003c/a> in January, California Forever CEO Jan Sramek promised to spend “as much [money] as we need to win.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The filings show California Forever has so far spent the largest portion of its money — more than $330,000 — on firms hired to collect the more than 20,400 signatures it submitted to the Solano County Registrar’s Office \u003ca href=\"https://www.kqed.org/news/11984408/billionaire-backed-bid-for-new-solano-county-city-is-closer-to-november-ballot\">earlier this week\u003c/a>. More than $200,000 went toward campaign workers’ salaries, and nearly $210,000 was spent on campaign websites and emails.\u003c/p>\n\u003cp>However, the payments also show more than $238,000 paid to consultant firms headed by highly connected political campaigners, including several former strategists and aides to Gov. Gavin Newsom and the wife of a current Fairfield councilmember.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" title=\"California Forever's Campaign Payments\" aria-label=\"Pie Chart\" id=\"datawrapper-chart-oaHsx\" src=\"https://datawrapper.dwcdn.net/oaHsx/2/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"850\" data-external=\"1\" width=\"100%\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>For a countywide ballot initiative, the spending is “robust,” said political and election lawyer Bradley Hertz, but “not terribly over the top.”\u003c/p>\n\u003cp>“If it were LA County, for example, with 5 million voters, [the budget] would be at least five or 10 times this amount to gather signatures and get the necessary publicity going,” Hertz said. “The big money needs to be spent at this stage for signature gathering.”[aside postID=news_11984656 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2015/12/14289_transform-1440x960.jpg']A representative from California Forever did not comment on its spending, but said the team is “feeling good” and that the company will have more updates on its plan in the coming week.\u003c/p>\n\u003cp>The company is relying on several high-profile political strategists to get initiative to the November election, including \u003ca href=\"https://www.gov.ca.gov/2022/03/14/legislative-affairs-secretary-angie-wei-to-depart-new-legislative-affairs-secretary-appointed/\">Angie Wei\u003c/a>, a former legislative aide to Newsom; \u003ca href=\"https://www.rodriguezstrategies.com/\">Matt Rodriguez\u003c/a>, who worked with the governor in 2022 to oppose Proposition 30; and \u003ca href=\"https://www.themediacompany.llc/\">Brian Brokaw\u003c/a> and \u003ca href=\"https://brianbrokaw.com/bio/\">Dan Newman\u003c/a>, two longtime campaign advisers to Newsom. Brokaw also served as Vice President Kamala Harris’s former campaign manager when she ran for Attorney General in 2010.\u003c/p>\n\u003cp>California Forever also paid Sue Vaccaro, wife of Fairfield Councilmember Rick Vaccaro, $4,000 for campaign consulting. Councilmember Vacarro has not responded to KQED’s request for comment.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" title=\"California Forever Campaign Payments\" aria-label=\"Column Chart\" id=\"datawrapper-chart-yF2wI\" src=\"https://datawrapper.dwcdn.net/yF2wI/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"614\" data-external=\"1\" width=\"100%\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>The Registrar’s Office is now verifying California Forever’s submitted signatures. If they all check out, the Registrar will pass the initiative along to the Solano County Board of Supervisors, which must decide whether to approve it outright or put it to voters.\u003c/p>\n\u003cp>Supervisor Mitch Mashburn, a critic of the plan, said Wednesday that if the initiative qualifies for the election, he would call for a special report assessing the proposed city’s impacts, both positive and negative. But Hertz suspected California Forever has accounted for the added delay this report would require. The supervisors have until Aug. 9 to vote to place the initiative on the November ballot.\u003c/p>\n\u003cp>The next set of campaign finance reports is due by the end of July. Paul Mitchell, owner of polling firm Redistricting Partners, said California Forever’s spending on getting the ballot measure to voters is likely a drop in the bucket compared to what it will take to build the proposed city.\u003c/p>\n\u003cp>“Just because it gets passed by voters isn’t going to build a house,” Mitchell said. “[The amount spent so far] is not an enormous sum for what they’re looking to do, and it’s probably not going to break records.”\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"The billionaire-backed company promised to spend big bucks in its plan to build a new city in Eastern Solano County. So far, it’s doing just that, according to newly released campaign finance records.","status":"publish","parent":0,"modified":1714777743,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":true,"iframeSrcs":["https://datawrapper.dwcdn.net/oaHsx/2/","https://datawrapper.dwcdn.net/yF2wI/1/"],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":17,"wordCount":655},"headData":{"title":"California Forever Shells out $2M in Campaign to Build City from Scratch | KQED","description":"The billionaire-backed company promised to spend big bucks in its plan to build a new city in Eastern Solano County. So far, it’s doing just that, according to newly released campaign finance records.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"California Forever Shells out $2M in Campaign to Build City from Scratch","datePublished":"2024-05-03T16:42:52.000Z","dateModified":"2024-05-03T23:09:03.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"sticky":false,"nprStoryId":"kqed-11984830","excludeFromSiteSearch":"Include","articleAge":"0","path":"/news/11984830/california-forever-shells-out-2m-in-campaign-to-build-city-from-scratch","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>California Forever spent some $2 million in the first three months of the year on its campaign to convince voters it should be allowed to build a city from scratch in Eastern Solano County, newly released campaign finance records show.\u003c/p>\n\u003cp>That money includes funds it has budgeted but has yet to pay out to contractors and around $1 million of in-kind contributions. The company has thus far been the sole contributor to its campaign, according to the records.\u003c/p>\n\u003cp>When he\u003ca href=\"https://www.kqed.org/news/11972769/not-just-a-crazy-idea-california-forever-releases-ballot-details-for-new-bay-area-city\"> introduced the initiative\u003c/a> in January, California Forever CEO Jan Sramek promised to spend “as much [money] as we need to win.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The filings show California Forever has so far spent the largest portion of its money — more than $330,000 — on firms hired to collect the more than 20,400 signatures it submitted to the Solano County Registrar’s Office \u003ca href=\"https://www.kqed.org/news/11984408/billionaire-backed-bid-for-new-solano-county-city-is-closer-to-november-ballot\">earlier this week\u003c/a>. More than $200,000 went toward campaign workers’ salaries, and nearly $210,000 was spent on campaign websites and emails.\u003c/p>\n\u003cp>However, the payments also show more than $238,000 paid to consultant firms headed by highly connected political campaigners, including several former strategists and aides to Gov. Gavin Newsom and the wife of a current Fairfield councilmember.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" title=\"California Forever's Campaign Payments\" aria-label=\"Pie Chart\" id=\"datawrapper-chart-oaHsx\" src=\"https://datawrapper.dwcdn.net/oaHsx/2/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"850\" data-external=\"1\" width=\"100%\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>For a countywide ballot initiative, the spending is “robust,” said political and election lawyer Bradley Hertz, but “not terribly over the top.”\u003c/p>\n\u003cp>“If it were LA County, for example, with 5 million voters, [the budget] would be at least five or 10 times this amount to gather signatures and get the necessary publicity going,” Hertz said. “The big money needs to be spent at this stage for signature gathering.”\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11984656","hero":"https://cdn.kqed.org/wp-content/uploads/sites/10/2015/12/14289_transform-1440x960.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>A representative from California Forever did not comment on its spending, but said the team is “feeling good” and that the company will have more updates on its plan in the coming week.\u003c/p>\n\u003cp>The company is relying on several high-profile political strategists to get initiative to the November election, including \u003ca href=\"https://www.gov.ca.gov/2022/03/14/legislative-affairs-secretary-angie-wei-to-depart-new-legislative-affairs-secretary-appointed/\">Angie Wei\u003c/a>, a former legislative aide to Newsom; \u003ca href=\"https://www.rodriguezstrategies.com/\">Matt Rodriguez\u003c/a>, who worked with the governor in 2022 to oppose Proposition 30; and \u003ca href=\"https://www.themediacompany.llc/\">Brian Brokaw\u003c/a> and \u003ca href=\"https://brianbrokaw.com/bio/\">Dan Newman\u003c/a>, two longtime campaign advisers to Newsom. Brokaw also served as Vice President Kamala Harris’s former campaign manager when she ran for Attorney General in 2010.\u003c/p>\n\u003cp>California Forever also paid Sue Vaccaro, wife of Fairfield Councilmember Rick Vaccaro, $4,000 for campaign consulting. Councilmember Vacarro has not responded to KQED’s request for comment.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" title=\"California Forever Campaign Payments\" aria-label=\"Column Chart\" id=\"datawrapper-chart-yF2wI\" src=\"https://datawrapper.dwcdn.net/yF2wI/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"614\" data-external=\"1\" width=\"100%\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>The Registrar’s Office is now verifying California Forever’s submitted signatures. If they all check out, the Registrar will pass the initiative along to the Solano County Board of Supervisors, which must decide whether to approve it outright or put it to voters.\u003c/p>\n\u003cp>Supervisor Mitch Mashburn, a critic of the plan, said Wednesday that if the initiative qualifies for the election, he would call for a special report assessing the proposed city’s impacts, both positive and negative. But Hertz suspected California Forever has accounted for the added delay this report would require. The supervisors have until Aug. 9 to vote to place the initiative on the November ballot.\u003c/p>\n\u003cp>The next set of campaign finance reports is due by the end of July. Paul Mitchell, owner of polling firm Redistricting Partners, said California Forever’s spending on getting the ballot measure to voters is likely a drop in the bucket compared to what it will take to build the proposed city.\u003c/p>\n\u003cp>“Just because it gets passed by voters isn’t going to build a house,” Mitchell said. “[The amount spent so far] is not an enormous sum for what they’re looking to do, and it’s probably not going to break records.”\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11984830/california-forever-shells-out-2m-in-campaign-to-build-city-from-scratch","authors":["11672"],"categories":["news_6266","news_8"],"tags":["news_18538","news_33689","news_1775","news_21358","news_23938"],"featImg":"news_11984981","label":"news"},"news_11639835":{"type":"posts","id":"news_11639835","meta":{"index":"posts_1591205157","site":"news","id":"11639835","found":true},"guestAuthors":[],"slug":"the-night-the-dumbarton-rail-bridge-went-up-in-flames","title":"The Night the Dumbarton Rail Bridge Went Up in Flames","publishDate":1515448814,"format":"image","headTitle":"Bay Curious | The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>New details were released last week about a decades-old fire that destroyed the Bay Area's first bay crossing -- the Dumbarton Rail Bridge.\u003c/p>\n\u003cp>The bridge opened in 1910 and was used to transport freight from the Peninsula to the East Bay. It shaved 26 miles off the journey on land, and at the time it was the \u003ca href=\"https://cdnc.ucr.edu/cgi-bin/cdnc?a=d&d=SU19100914.2.185\">costliest bridge in the state\u003c/a>.\u003c/p>\n\u003cp>Freight transport across the rail bridge ceased in 1982, the same year the Dumbarton Automotive Bridge opened less than a mile north.\u003c/p>\n\u003cfigure id=\"attachment_11640818\" class=\"wp-caption alignright\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11640818 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2019/01/Dumbarton_Cutoff_1910-09-25_San_Francisco_Call-800x525.png\" alt=\"\" width=\"800\" height=\"525\">\u003cfigcaption class=\"wp-caption-text\">The first train to cross the Dumbarton Rail Bridge in 1910 carried passengers, but after that the railway was used primarily to move freight. \u003ccite>(San Francisco Call)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>When the San Mateo County Transportation Authority bought the defunct bridge in 1994, it was considering plans to use it for commuter transport. But the $120 million needed for the project was nowhere to be found, and the bridge sat unused.\u003c/p>\n\u003cp>Four years later a significant portion of it burned in a fire that took three days to fully extinguish -- and to this day remains a mystery.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>In recognition of the 20th anniversary of the fire, Menlo Park fire officials released a more detailed story of what happened, as well as never-before-seen photos.\u003c/p>\n\u003ch2>The Night the Old Bridge Burned\u003c/h2>\n\u003cp>Just before 7 p.m. on Jan. 3, 1998, the Menlo Park Fire Department received a report of a fire at the edge of Palo Alto, near an abandoned gun club. Because it was pouring rain, firefighters expected to find the fire in one of the abandoned buildings. Homeless people were often seen in the area.\u003c/p>\n\u003cp>But when Menlo Engine Two arrived, firefighters saw thick black smoke emanating not from the old gun club, but billowing from a spot farther down toward the water.\u003c/p>\n\u003cp>Menlo Park Fire Chief Harold Schapelhouman, then acting battalion chief, made his way toward the orange glow. He was surprised to find nearly a third of a mile of the Dumbarton Rail Bridge trestle being devoured by flames.\u003c/p>\n\u003cp>\"I'm talking about the supports down to the waterline and the rail deck itself,\" Schapelhouman said. \"I mean, it was on fire literally from one end to the other end and I thought, how could this be?\"\u003c/p>\n\u003cp>[audio src=\"https://www.kqed.org/.stream/anon/radio/RDnews/2018/01/ThorsenDumbartonRailFire.mp3\" title=\"Dumbarton Rail Bridge Fire 20th Anniversary\" program=\"KQED News\" image=\"https://u.s.kqed.net/2018/01/03/DumbartonRailFire.jpg\"]\u003c/p>\n\u003cp>The railroad ties had been treated with a highly flammable and toxic product called \u003ca href=\"https://www.epa.gov/ingredients-used-pesticide-products/creosote\">creosote\u003c/a>.\u003c/p>\n\u003cp>The first thing firefighters did was shut down the adjacent Dumbarton Automotive Bridge to protect drivers from the smoke blowing onto the roadway. They also warned nearby communities. Still, complaints of respiratory issues came from as far away as Oakland -- 30 miles from the fire.\u003c/p>\n\u003cp>Crews then faced the challenge of figuring out how to fight the blaze.\u003c/p>\n\u003cp>With limited road access to the edge of the bay, it was difficult to get firetrucks anywhere near the bridge. They started rolling out firehoses from as close as they could get -- and that wasn't exactly close. From the nearest water truck, crews had to attach 4,000 feet of line to get to the water's edge.\u003c/p>\n\u003cp>[gallery type=\"rectangular\" size=\"full\" ids=\"11640058,11640059,11640060,11640061,11640223,11640224\" orderby=\"rand\"]\u003c/p>\n\u003cp>The depth of the water around the rail trestle wouldn't allow for a conventional fire or Coast Guard boat to get close. Fan boats were brought in, and firefighters used floating pumps and bay water to try and put out the flames.\u003c/p>\n\u003cp>Crews stayed out there all night doing what they could, but most of the bridge burned. After the tide went out, timbers engulfed in flames fell from the bridge onto the muddy bay floor.\u003c/p>\n\u003cp>\"When the tide came back,\" says Schapelhouman, \"all the timbers that had collapsed out on the mud lifted up and ... on fire, started floating down the bay. It was like something out of a Viking movie.\"\u003c/p>\n\u003cp>The size and intensity of the flames, the necessity of fighting it on land and sea, and the difficulty fire crews had even getting close enough to fight the fire make the experience stand out in Schapelhouman's mind.\u003c/p>\n\u003cp>\"It was probably one of the more frustrating events I've ever had to deal with,\" he says.\u003c/p>\n\u003cp>[gallery type=\"rectangular\" ids=\"11640065,11640064,11640063,11640066,11640062,11640227\" orderby=\"rand\"]\u003c/p>\n\u003cp>The morning after the fire started, crews were able to get a water truck closer to the edge of the bay by loading it onto a special railcar. At that point, the flames had died down, but the underground wooden pilings were still burning. They had to be dug out and the embers extinguished. It was three days until the last smoldering hot spots were put out.\u003c/p>\n\u003cp>Photos of the event had not previously been released because it was being investigated as a potential arson. But a lack of evidence led the fire department to rule the incident as suspicious in the end.\u003c/p>\n\u003cp>So what now for the half-burned bridge?\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Two year ago, Facebook \u003ca href=\"https://ww2.kqed.org/news/2016/01/07/facebook-donates-1-million-for-study-to-ease-dumbarton-traffic/\">donated $1 million\u003c/a> to fund a study looking at ways to reduce traffic, including creating a Caltrain connection between the Peninsula and BART on the other side of the bay. Turning the bridge into a pedestrian or bike path has also been floated, but no plans are currently in place.\u003c/p>\n\n","blocks":[],"excerpt":"Twenty years ago, a large section of the first and oldest bridge across San Francisco Bay burned in a fire that took three days to fully extinguish.","status":"publish","parent":0,"modified":1515450856,"stats":{"hasAudio":true,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":true,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":27,"wordCount":914},"headData":{"title":"The Night the Dumbarton Rail Bridge Went Up in Flames | KQED","description":"Twenty years ago, a large section of the first and oldest bridge across San Francisco Bay burned in a fire that took three days to fully extinguish.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"The Night the Dumbarton Rail Bridge Went Up in Flames","datePublished":"2018-01-08T22:00:14.000Z","dateModified":"2018-01-08T22:34:16.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11639835 https://ww2.kqed.org/news/?p=11639835","disqusUrl":"https://ww2.kqed.org/news/2018/01/08/the-night-the-dumbarton-rail-bridge-went-up-in-flames/","disqusTitle":"The Night the Dumbarton Rail Bridge Went Up in Flames","path":"/news/11639835/the-night-the-dumbarton-rail-bridge-went-up-in-flames","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>New details were released last week about a decades-old fire that destroyed the Bay Area's first bay crossing -- the Dumbarton Rail Bridge.\u003c/p>\n\u003cp>The bridge opened in 1910 and was used to transport freight from the Peninsula to the East Bay. It shaved 26 miles off the journey on land, and at the time it was the \u003ca href=\"https://cdnc.ucr.edu/cgi-bin/cdnc?a=d&d=SU19100914.2.185\">costliest bridge in the state\u003c/a>.\u003c/p>\n\u003cp>Freight transport across the rail bridge ceased in 1982, the same year the Dumbarton Automotive Bridge opened less than a mile north.\u003c/p>\n\u003cfigure id=\"attachment_11640818\" class=\"wp-caption alignright\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11640818 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2019/01/Dumbarton_Cutoff_1910-09-25_San_Francisco_Call-800x525.png\" alt=\"\" width=\"800\" height=\"525\">\u003cfigcaption class=\"wp-caption-text\">The first train to cross the Dumbarton Rail Bridge in 1910 carried passengers, but after that the railway was used primarily to move freight. \u003ccite>(San Francisco Call)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>When the San Mateo County Transportation Authority bought the defunct bridge in 1994, it was considering plans to use it for commuter transport. But the $120 million needed for the project was nowhere to be found, and the bridge sat unused.\u003c/p>\n\u003cp>Four years later a significant portion of it burned in a fire that took three days to fully extinguish -- and to this day remains a mystery.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>In recognition of the 20th anniversary of the fire, Menlo Park fire officials released a more detailed story of what happened, as well as never-before-seen photos.\u003c/p>\n\u003ch2>The Night the Old Bridge Burned\u003c/h2>\n\u003cp>Just before 7 p.m. on Jan. 3, 1998, the Menlo Park Fire Department received a report of a fire at the edge of Palo Alto, near an abandoned gun club. Because it was pouring rain, firefighters expected to find the fire in one of the abandoned buildings. Homeless people were often seen in the area.\u003c/p>\n\u003cp>But when Menlo Engine Two arrived, firefighters saw thick black smoke emanating not from the old gun club, but billowing from a spot farther down toward the water.\u003c/p>\n\u003cp>Menlo Park Fire Chief Harold Schapelhouman, then acting battalion chief, made his way toward the orange glow. He was surprised to find nearly a third of a mile of the Dumbarton Rail Bridge trestle being devoured by flames.\u003c/p>\n\u003cp>\"I'm talking about the supports down to the waterline and the rail deck itself,\" Schapelhouman said. \"I mean, it was on fire literally from one end to the other end and I thought, how could this be?\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"audio","attributes":{"named":{"src":"https://www.kqed.org/.stream/anon/radio/RDnews/2018/01/ThorsenDumbartonRailFire.mp3","title":"Dumbarton Rail Bridge Fire 20th Anniversary","program":"KQED News","image":"https://u.s.kqed.net/2018/01/03/DumbartonRailFire.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The railroad ties had been treated with a highly flammable and toxic product called \u003ca href=\"https://www.epa.gov/ingredients-used-pesticide-products/creosote\">creosote\u003c/a>.\u003c/p>\n\u003cp>The first thing firefighters did was shut down the adjacent Dumbarton Automotive Bridge to protect drivers from the smoke blowing onto the roadway. They also warned nearby communities. Still, complaints of respiratory issues came from as far away as Oakland -- 30 miles from the fire.\u003c/p>\n\u003cp>Crews then faced the challenge of figuring out how to fight the blaze.\u003c/p>\n\u003cp>With limited road access to the edge of the bay, it was difficult to get firetrucks anywhere near the bridge. They started rolling out firehoses from as close as they could get -- and that wasn't exactly close. From the nearest water truck, crews had to attach 4,000 feet of line to get to the water's edge.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"gallery","attributes":{"named":{"type":"rectangular","size":"full","ids":"11640058,11640059,11640060,11640061,11640223,11640224","orderby":"rand","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The depth of the water around the rail trestle wouldn't allow for a conventional fire or Coast Guard boat to get close. Fan boats were brought in, and firefighters used floating pumps and bay water to try and put out the flames.\u003c/p>\n\u003cp>Crews stayed out there all night doing what they could, but most of the bridge burned. After the tide went out, timbers engulfed in flames fell from the bridge onto the muddy bay floor.\u003c/p>\n\u003cp>\"When the tide came back,\" says Schapelhouman, \"all the timbers that had collapsed out on the mud lifted up and ... on fire, started floating down the bay. It was like something out of a Viking movie.\"\u003c/p>\n\u003cp>The size and intensity of the flames, the necessity of fighting it on land and sea, and the difficulty fire crews had even getting close enough to fight the fire make the experience stand out in Schapelhouman's mind.\u003c/p>\n\u003cp>\"It was probably one of the more frustrating events I've ever had to deal with,\" he says.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"gallery","attributes":{"named":{"type":"rectangular","ids":"11640065,11640064,11640063,11640066,11640062,11640227","orderby":"rand","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The morning after the fire started, crews were able to get a water truck closer to the edge of the bay by loading it onto a special railcar. At that point, the flames had died down, but the underground wooden pilings were still burning. They had to be dug out and the embers extinguished. It was three days until the last smoldering hot spots were put out.\u003c/p>\n\u003cp>Photos of the event had not previously been released because it was being investigated as a potential arson. But a lack of evidence led the fire department to rule the incident as suspicious in the end.\u003c/p>\n\u003cp>So what now for the half-burned bridge?\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Two year ago, Facebook \u003ca href=\"https://ww2.kqed.org/news/2016/01/07/facebook-donates-1-million-for-study-to-ease-dumbarton-traffic/\">donated $1 million\u003c/a> to fund a study looking at ways to reduce traffic, including creating a Caltrain connection between the Peninsula and BART on the other side of the bay. Turning the bridge into a pedestrian or bike path has also been floated, but no plans are currently in place.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11639835/the-night-the-dumbarton-rail-bridge-went-up-in-flames","authors":["8637"],"programs":["news_6944","news_72"],"series":["news_17986"],"categories":["news_8"],"featImg":"news_11640017","label":"news_72"},"news_11980019":{"type":"posts","id":"news_11980019","meta":{"index":"posts_1591205157","site":"news","id":"11980019","found":true},"guestAuthors":[],"slug":"national-association-realtors-class-action-lawsuit-buy-sell-house-california-is-about-to-change-heres-how","title":"Buying and Selling a Home in California Is About to Change: Here's How","publishDate":1710932425,"format":"standard","headTitle":"Buying and Selling a Home in California Is About to Change: Here’s How | KQED","labelTerm":{"site":"news"},"content":"\u003cp>The National Association of Realtors, one of the most powerful real estate groups in the country, announced on Friday it would settle a major class-action lawsuit that had accused the group of artificially inflating the commissions its agents make in home sales.\u003c/p>\n\u003cp>In 2021, Americans collectively paid real estate agents around \u003ca href=\"https://www.bloomberg.com/news/articles/2021-07-09/real-estate-agents-eye-record-100-billion-as-home-sales-boom?embedded-checkout=true\">$100 billion in commissions\u003c/a>. But that’s expected to go down by an estimated 20%–50% if a court approves the settlement agreement, Steve Berman, a managing partner at Hagens Berman, which represented the plaintiffs, said in \u003ca href=\"https://www.hbsslaw.com/cases/real-estate-broker-commissions-antitrust\">a statement\u003c/a>.\u003c/p>\n\u003cp>“This is a seismic shift in the real estate market,” he said.\u003c/p>\n\u003cp>[pullquote align=\"right\" size=\"medium\" citation=\"Nykia Wright, interim CEO, NAR\"]‘It has always been our goal to preserve consumer choice and protect our members to the greatest extent possible. This settlement achieves both of those goals.’[/pullquote]Without admitting wrongdoing, the association said it would pay $418 million over approximately four years. It also gave up its right to appeal and agreed to change its practices around setting commissions.\u003c/p>\n\u003cp>“It has always been our goal to preserve consumer choice and protect our members to the greatest extent possible,” Nykia Wright, interim CEO of the NAR, said in \u003ca href=\"https://www.nar.realtor/newsroom/nar-reaches-agreement-to-resolve-nationwide-claims-brought-by-home-sellers\">a statement\u003c/a>. “This settlement achieves both of those goals.”\u003c/p>\n\u003cp>For people looking to buy or sell a home, here’s what this settlement means:\u003c/p>\n\u003ch2>\u003cstrong>How do real estate agents get their commissions today? \u003c/strong>\u003c/h2>\n\u003cp>Imagine you’re on Zillow or Redfin, looking to buy a home. You see the list price for a home, but what you might not realize is that the commission for both the buyer’s and seller’s agents is baked into that price.\u003c/p>\n\u003cp>In the 1990s, the National Association of Realtors made it mandatory to publish in the home listing how much agents stand to make from a sale. While there isn’t a set rule for how much the commission should be, it became industry practice to set it around 5%–6%.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The lawsuit, filed in April 2019 by a group of home sellers in Missouri, argued the rule encouraged realtors to steer their clients away from homes with a lower commission and toward more expensive ones — where they could make a larger profit. It also meant home buyers and sellers were sometimes unaware of how the commission rates were set, discouraging them from negotiating that rate.\u003c/p>\n\u003ch2>\u003cstrong>How does the proposed settlement change things? \u003c/strong>\u003c/h2>\n\u003cp>The settlement agreement, slated to go into effect in mid-July, would no longer allow agents to publish the commission in the listing. That rate would be set during negotiations.\u003c/p>\n\u003cp>[pullquote align=\"right\" size=\"medium\" citation=\"Ted Tozer, fellow, Urban Institute\"]‘What the lawsuit was all about was that the sellers felt like they should have more control. I should have the ability to have a say in what I’m paying.’[/pullquote]Previously, the buyer’s and seller’s agents would split the commission, but now, the buyer and seller will both be responsible for paying their respective agents.\u003c/p>\n\u003cp>“What the settlement does is [it] enables both the buyer and the seller to negotiate with the broker upfront of what level of service they want and what their fees are going to be,” said Ted Tozer, a fellow at the Urban Institute, who specializes in housing finance. “I think, in the long run, this is very positive.”\u003c/p>\n\u003ch2>\u003cstrong>How will the world of real estate change? \u003c/strong>\u003c/h2>\n\u003cp>Likely, quite a bit.\u003c/p>\n\u003cp>Because commission rates can’t be set up front, realtors will have to compete for business and may offer lower rates to their clients. But it could also mean bad news for part-time realtors, who have otherwise relied on that 5%–6% commission as an occasional income.\u003c/p>\n\u003cp>“If you’re a realtor and you only sell a couple houses a month, you’re going to have a tough time making it,” Tozer said. “You will probably have less realtors in numbers, but the ones that are doing business are probably going to be more effective at what they’re doing because they’ll have to make it a full-time job.”\u003c/p>\n\u003ch2>\u003cstrong>What does all this mean for me, a home buyer or seller? \u003c/strong>\u003c/h2>\n\u003cp>Firstly, because this is a class-action lawsuit, some home sellers might be entitled to compensation. But it doesn’t include California. It only pertains to metro areas in Arizona, Colorado, Florida, Nevada, North Carolina, Ohio, Texas, Utah, Minnesota, Pennsylvania, Virginia and Washington, D.C.\u003c/p>\n\u003cp>That said, the proposed settlement will likely empower home buyers and sellers to negotiate the commission rate with their agents.\u003c/p>\n\u003cp>“What the lawsuit was all about was that the sellers felt like they should have more control,” Tozer said. “I should have the ability to have a say in what I’m paying.”\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"National Association of Realtors, one of the nation's largest real estate groups, has announced they’re settling a major antitrust lawsuit. What does that mean for homebuyers and sellers? ","status":"publish","parent":0,"modified":1710952495,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":20,"wordCount":840},"headData":{"title":"Buying and Selling a Home in California Is About to Change: Here's How | KQED","description":"National Association of Realtors, one of the nation's largest real estate groups, has announced they’re settling a major antitrust lawsuit. What does that mean for homebuyers and sellers? ","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Buying and Selling a Home in California Is About to Change: Here's How","datePublished":"2024-03-20T11:00:25.000Z","dateModified":"2024-03-20T16:34:55.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"sticky":false,"excludeFromSiteSearch":"Include","articleAge":"0","path":"/news/11980019/national-association-realtors-class-action-lawsuit-buy-sell-house-california-is-about-to-change-heres-how","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>The National Association of Realtors, one of the most powerful real estate groups in the country, announced on Friday it would settle a major class-action lawsuit that had accused the group of artificially inflating the commissions its agents make in home sales.\u003c/p>\n\u003cp>In 2021, Americans collectively paid real estate agents around \u003ca href=\"https://www.bloomberg.com/news/articles/2021-07-09/real-estate-agents-eye-record-100-billion-as-home-sales-boom?embedded-checkout=true\">$100 billion in commissions\u003c/a>. But that’s expected to go down by an estimated 20%–50% if a court approves the settlement agreement, Steve Berman, a managing partner at Hagens Berman, which represented the plaintiffs, said in \u003ca href=\"https://www.hbsslaw.com/cases/real-estate-broker-commissions-antitrust\">a statement\u003c/a>.\u003c/p>\n\u003cp>“This is a seismic shift in the real estate market,” he said.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘It has always been our goal to preserve consumer choice and protect our members to the greatest extent possible. This settlement achieves both of those goals.’","name":"pullquote","attributes":{"named":{"align":"right","size":"medium","citation":"Nykia Wright, interim CEO, NAR","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Without admitting wrongdoing, the association said it would pay $418 million over approximately four years. It also gave up its right to appeal and agreed to change its practices around setting commissions.\u003c/p>\n\u003cp>“It has always been our goal to preserve consumer choice and protect our members to the greatest extent possible,” Nykia Wright, interim CEO of the NAR, said in \u003ca href=\"https://www.nar.realtor/newsroom/nar-reaches-agreement-to-resolve-nationwide-claims-brought-by-home-sellers\">a statement\u003c/a>. “This settlement achieves both of those goals.”\u003c/p>\n\u003cp>For people looking to buy or sell a home, here’s what this settlement means:\u003c/p>\n\u003ch2>\u003cstrong>How do real estate agents get their commissions today? \u003c/strong>\u003c/h2>\n\u003cp>Imagine you’re on Zillow or Redfin, looking to buy a home. You see the list price for a home, but what you might not realize is that the commission for both the buyer’s and seller’s agents is baked into that price.\u003c/p>\n\u003cp>In the 1990s, the National Association of Realtors made it mandatory to publish in the home listing how much agents stand to make from a sale. While there isn’t a set rule for how much the commission should be, it became industry practice to set it around 5%–6%.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The lawsuit, filed in April 2019 by a group of home sellers in Missouri, argued the rule encouraged realtors to steer their clients away from homes with a lower commission and toward more expensive ones — where they could make a larger profit. It also meant home buyers and sellers were sometimes unaware of how the commission rates were set, discouraging them from negotiating that rate.\u003c/p>\n\u003ch2>\u003cstrong>How does the proposed settlement change things? \u003c/strong>\u003c/h2>\n\u003cp>The settlement agreement, slated to go into effect in mid-July, would no longer allow agents to publish the commission in the listing. That rate would be set during negotiations.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘What the lawsuit was all about was that the sellers felt like they should have more control. I should have the ability to have a say in what I’m paying.’","name":"pullquote","attributes":{"named":{"align":"right","size":"medium","citation":"Ted Tozer, fellow, Urban Institute","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Previously, the buyer’s and seller’s agents would split the commission, but now, the buyer and seller will both be responsible for paying their respective agents.\u003c/p>\n\u003cp>“What the settlement does is [it] enables both the buyer and the seller to negotiate with the broker upfront of what level of service they want and what their fees are going to be,” said Ted Tozer, a fellow at the Urban Institute, who specializes in housing finance. “I think, in the long run, this is very positive.”\u003c/p>\n\u003ch2>\u003cstrong>How will the world of real estate change? \u003c/strong>\u003c/h2>\n\u003cp>Likely, quite a bit.\u003c/p>\n\u003cp>Because commission rates can’t be set up front, realtors will have to compete for business and may offer lower rates to their clients. But it could also mean bad news for part-time realtors, who have otherwise relied on that 5%–6% commission as an occasional income.\u003c/p>\n\u003cp>“If you’re a realtor and you only sell a couple houses a month, you’re going to have a tough time making it,” Tozer said. “You will probably have less realtors in numbers, but the ones that are doing business are probably going to be more effective at what they’re doing because they’ll have to make it a full-time job.”\u003c/p>\n\u003ch2>\u003cstrong>What does all this mean for me, a home buyer or seller? \u003c/strong>\u003c/h2>\n\u003cp>Firstly, because this is a class-action lawsuit, some home sellers might be entitled to compensation. But it doesn’t include California. 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