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Financial expert Frank Ho joins City Spotlight to explain how annuities work and who may benefit from guaranteed lifetime income. Learn the differences between fixed indexed, variable, immediate and deferred annuities, including cash value, income base, withdrawal rules, surrender charges, taxes, fees and death benefits—plus the key pros and cons to consider before adding an annuity to your retirement plan.

SFMTA community representative Jessie Liang joins City Spotlight to explain the latest San Francisco Muni fare changes. Learn how to pay with Clipper 2.0, contactless credit cards, Apple Pay and Google Pay, plus what to expect when MuniMobile is discontinued. The episode also covers daily fare caps, free Muni for youth and eligible seniors, Clipper START discounts, fare inspections and the $134 fare evasion fine.

Financial expert Frank Ho joins City Spotlight to compare Traditional IRA and Roth IRA tax benefits, contribution and income limits, withdrawal rules and required minimum distributions (RMDs). Learn how Roth conversions, Backdoor Roth IRAs, 401(k) rollovers, inherited IRAs and SEP IRAs for self-employed workers may fit into your retirement and tax planning strategy.

Eric from Eric’s Time Channel joins City Spotlight to discuss senior mental health, including depression, loneliness, social isolation and sleep problems among Asian immigrant older adults. Learn how families can support aging parents through better communication, meaningful social activities, healthy routines, improved sleep habits, and balance and strength exercises for fall prevention.

Financial expert Frank Ho joins City Spotlight to explain how to recognize and prevent phone scams, government and bank impersonation, caller ID spoofing, SIM swap fraud, romance scams and fake investment platforms. Learn how to verify suspicious calls, protect retirement and financial accounts, spot identity theft, and freeze your credit with Experian, Equifax and TransUnion.

SFMTA community representative Jessie Liang joins City Spotlight to explain the latest San Francisco parking and public transit updates. Learn how to pay parking meters with ParkMobile and HotSpot, understand demand-responsive parking rates, reserve municipal garage parking, avoid parking tickets, and use Clipper 2.0 transfer discounts. The episode also covers Chinatown parking and street closures during the Portsmouth Square construction project.

Dentist Dr. Lee joins City Spotlight to explain the early signs of gum disease and periodontal disease, including bleeding gums, gum recession, bone loss and loose teeth. Learn how dry mouth, diabetes and aging affect oral health, and how brushing, flossing and regular dental cleanings can help prevent root cavities and tooth loss after age 50.

Financial expert Frank Ho joins City Spotlight to compare 401(k), Traditional IRA and Roth IRA retirement accounts. Learn about 401(k) rollovers, early withdrawal penalties, Required Minimum Distributions (RMD), Roth conversions, 2026 contribution and catch-up rules, and how retirement withdrawals may affect taxes, Social Security benefits and Medicare premiums.

Financial expert Frank Ho joins City Spotlight to explain how much money you may need for retirement. Learn how to calculate retirement savings, income, cash flow and living expenses using the 4% rule, while planning for Social Security, 401(k), IRA, inflation, Medicare costs, long-term care and unexpected expenses, especially for those retiring in California and the Bay Area.

Medicare advisor Helen joins City Spotlight to explain Medicare Part C, also known as Medicare Advantage. Learn about plan benefits, zero-premium plans, copays, prescription drug coverage, doctor networks, prior authorization and out-of-pocket limits, as well as the differences between HMO and PPO, Medicare Advantage and Medigap, and what seniors should consider before enrolling or changing plans.