Business Insider
I write about a range of topics for Business Insider, including train travel, the power of napping, investing, entrepreneurship, and even shopping.
I pitch original articles and take on pitches from my editors, including several articles that have been widely read and shared.
You can see all my Business Insider articles here.
Oakland’s 8 most walkable neighborhoods
Oakland’s overall Walk Score is a respectable 69, just one point shy of the Very Walkable designation. Oakland has so many great, walkable spaces that it’s impossible to list them all. Here the most inviting places to walk in Oakland, based on our very biased sampling:
- Chinatown: Chinatown not only has some of the highest pedestrian density in Oakland, it also has the most beautiful pedestrian scramble crosswalks and an almost perfect Walk Score of 97.
- Fruitvale: The neighborhood near Fruitvale BART offers not only great amenities within walking distance but vibrant culture and arts that add a rich texture to the street life. Walk Score: 90.
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- Rockridge, Temescal, and Piedmont Avenue: These three neighborhoods have commercial strips with everything you need within easy walking distance. You can get coffee while your shoes are being repaired, pick up a few groceries on your way home from a matinee, browse for books or clothes while you are waiting to meet your friends for dinner: the essence of walkbility. Rockridge: 86, Temescal: 90, Piedmont Avenue: 93.
- Grand Lake: Like the three neighborhoods above, Grand Lake offers a host of amenities, from the mundane to the extravagant, in a compact area, but with the added bonus of proximity to the natural beauty of Lake Merritt. Walk Score: 91.
- Adams Point: Although this neighborhood doesn’t have the highest Walk Score (82), it has to be declared the winner among Oakland’s residential neighborhoods because of its proximity to just about everything in the center of the city. Residents can walk to Lake Merritt, Grand Lake, Downtown, Uptown, and Chinatown, without breaking a sweat.
- Downtown: New residents and businesses have reinvigorated street life in Oakland’s urban core. Plus, it’s an easy walk to many desirable destinations, including Lake Merritt, Jack London Square, and Old Oakland. Great transit makes Downtown Oakland a true hub for the city and the region, with a deservedly outstanding Walk Score of 97.
Where do you like to walk in Oakland? Let us know!
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5 Tips for Selecting and Implementing the Best Platform for Remote Workers
Through online collaboration, it’s easier than ever for small businesses to expand by adding remote workers rather than renting expensive office space. Without the benefit of face-to-face meetings, however, communication may be challenging. Tim Eisenhauer, co-founder and president of Axero Solutions, knows this well. His co-founder and business partner, Vivek Thakur, is based in New Delhi while Eisenhauer works from the United States. The business has no central office and its employees and contractors (about 20 in all) are scattered around the country and around the globe. To improve the flow of information among its own remote staff, the software company created Communifire, a software platform for internal and external collaboration.
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Axero was founded to develop large software projects for big companies. When the small business began inviting its customers onto the remote collaboration platform they created, the customers started asking for copies of the program to use with their own employees. The founders realized that they had come up with a marketable product and they began to offer their collaboration software to other businesses. The development and refinement of the platform has been collaborative and need-driven, says Eisenhauer: “Pretty much every single feature over these eight years has been requested by a customer and is easy to turn on and off.”
There is a wide array of software that can enable you to create a virtual workspace shared by remote employees. Some offer a free service with a paid upgrade option; others charge monthly fees at either a flat rate or per user. Per user charges are generally in the $5 to $10 range and monthly flat fees can start as low as $15. Eisenhauer has five tips to guide you in selecting and successfully implementing a collaboration platform.
1. Know Your Why
“I think collaboration software can help any business. The first step is to understand why you need it,” Eisenhauer says. A collaboration platform can help you share files and documents with remote workers, contractors, and clients (Google Drive, Dropbox), provide a central space to send messages or manage projects (Asana, Yammer), and hold virtual meetings (WebEx, GoToMeeting). Some platforms, such as WorkEtc, Basecamp, and Communifire, offer a suite of functionalities. Eisenhauer recommends getting clear about the workflow issues that you want to solve with collaboration software and making sure the platform you choose includes the features that are important to you.
2. Determine Your Transparency Level
One of the great benefits of remote collaboration software, according the Eisenhauer, is that team members and customers can easily see what each person is working on. Most platforms will allow you to set the level of transparency you feel comfortable with. “We here at Axero pretty much default to open. Everyone here can see everything,” he says. This includes sales figures and individual salaries. “We’ve just found it a lot easier just to be straight up and honest with everybody,” he says. He feels the benefits of transparency outweigh any downsides, noting, “People are more willing to ask questions. They feel better about their jobs.” On the flip side, platforms that allow you to set permission levels are a great way to bring in customers and contractors and give them access to just the information they need in order to work with you.
3. Think About Your Future
If you are planning to grow your small business into a bigger business, Eisenhauer suggests thinking about what features might help you collaborate with a larger staff in the future. He has seen startups try to cobble together multiple collaboration apps as the company grows but notes that a multi-function platform may provide more seamless integration of documents, messaging, project management, etc. “You can put everything in one place
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4. Go All In With Your New Platform
Once you choose a platform, arrange for a free trial. If that goes well, your challenge will be getting your customers and remote workers to use the new software. Eisenhauer recommends placing key information and documents into the systems right away. “Instead of emailing the team, send a message through the system,” he says. “You want to make that collaboration space valuable, so people have to go there.” He adds, “Our customers that do this right from the beginning are the most successful.”
5. Embrace the Change
Eisenhauer says that using a remote collaboration platform has helped his small business to function well for almost a decade and he encourages entrepreneurs who want to work remotely with employees or customers to consider adopting this type of software. “Start slow but start now,” he says. “If you think you need it, you probably do.” If you’re not a technical person, don’t let that stop you, he says, because “with the systems that are out there now, anyone that has ever used social media will likely have little barrier to entry.” He adds, “When you have this software in place, it can be a beautiful thing. It can make your business a lot more efficient.”
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Gig economy sales taxes
Shopping isn’t the only economic activity that’s moved from the brick-and-mortar world to the Web in recent years. More and more workers provide services as freelancers through the gig economy.
As a freelancer, you pay self-employment tax in addition to income tax. But do you owe gig economy sales taxes on the cash you take in?
What is the gig economy?
In the gig economy, people who might have previously worked for an employer doing anything from administrative work to installing shelves to driving a taxi are now free agents, running their own businesses and getting their gigs from apps that match people who need work done with the people who can do it.
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Gig economy sales taxes on services
Much of the work that’s done in this way is service work. Platforms like TaskRabbit offer freelance tasks such as running errands, cleaning, doing paperwork, staffing events, doing laundry and pet sitting.
Historically, most states didn’t charge sales tax on services. In recent years, the economy has shifted from products to services; services made up about two-thirds of economic activity in 2015. As a result, states are adding more services to their list of what is subject to sales tax. Texas adds sales tax to cleaning services. In Iowa, you need to charge sales tax on your graphic design work, even if it’s delivered solely as a digital product. In Rhode Island, pet care is subject to sales tax. A few states, such as Hawaii, require sales tax on all services.
Whether the gig economy is your ticket to freedom or just your side gig, it’s a good idea to check your state’s laws about sales taxes on services to make sure you’re in compliance.
Gig economy sales taxes on ride-hailing apps
The ride-hailing industry has been on a collision course with sales taxing authorities for the past few years. Uber and others have tried to avoid collecting and remitting sales taxes, but more and more states and localities are closing this loophole.
A recent analysis by the Pew Charitable Trusts estimated that governments could bring in an additional $300 million per year just by adding sales tax to Uber, Lyft and other taxi-like gig economy services. Taxi services aren’t subject to sales taxes in all states but, where they are, regulators would like to see ride-hailing services charge their customers sales tax.
The next battle is over who is responsible for collecting and paying these sales taxes. According to Uber driver forums, while some ride-hailing platforms add sales tax on top of the customer’s fee and remit it to the states, Uber has put the responsibility on individual drivers in some states to pay sales taxes out of their share of the fare.
If you drive for a ride-hailing app, even if you only do it part time, it’s worth your while to find out if your fares are subject to sales tax. If the answer is yes, check with your platform to find out whether they collect the sales tax or expect you to do it.
Gig economy sales tax on short-term rentals
Many travelers use apps like Airbnb as a cheaper alternative to staying in hotels. Initially, part of that savings was the lack of sales tax.
In most cities, hotels collect and remit a special sales tax called hotel or occupancy tax. This is usually higher than the local sales tax, sometimes by as much as 15 percent. As more and more visitors use Airbnb, cities and states have moved to reclaim this lost revenue.
Airbnb has agreements with some state and local governments to collect and remit sales taxes on rentals. If you are an Airbnb host in one of these jurisdictions, the platform takes care of the occupancy tax. If Airbnb doesn’t cover sales tax, you could be liable for state or local occupancy tax on your rentals. Airbnb offers instructions on how to add this sales tax to your rentals.
The gig economy has come with some nasty tax surprises for workers used to getting a paycheck with income taxes already deducted. Sales taxes don’t have to be an additional drag on your freelance life: Just let sales tax compliance software can be your part-time personal assistant.
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How Green is Your Bike?
It is indisputable that bicycles are one of the greenest transportation options, but how green is the manufacturing process? “There’s a lot of embodied energy in a bicycle,” said Ross Evans, inventor and CEO of Xtracycle. He listed off some of the ingredients: steel from China, rubber from Indonesia. “It’s a product of our modern global manufacturing.”
From China, With Love
Several bicycle manufacturers we contacted for this story were unwilling to discuss the carbon footprint of their manufacturing operations. Based on a study by Shreya Dave of MIT in 2010, they probably don’t need to worry about it. Dave’s Life Cycle Analysis (LCA) considered a variety of modes of transportation, from walking and bicycling to planes, trains, and automobiles. She calculated the life cycle energy use of the typical bicycle to be 60 kilojoules per passenger mile traveled (PMT): 51 kilojoules for manufacturing and 9 kilojoules for maintenance over an estimated 15-year life span. Electric bikes were only slightly more energy intensive at 82 kilojoules/ PMT, because of a small amount of fuel use and increased manufacturing costs. Compared to the 4027 kilojoules/ PMT consumed by a sedan and even the 1441 kilojoules/ PMT of Boston’s Green Line train, bicycling was a big winner in lifetime energy use. The only mode that bests it is walking, which comes in at 0.
Startups and sales tax: getting started
Your million-dollar idea could be a smartphone app that reminds people to floss (and makes you the dentist’s favorite!) or a pet food delivery service or some other terrific business that no one else can do quite the way you can. You take the leap and create a startup.
Amidst the heady early days of your startup, you might want to put financial matters on the back burner. Why worry about taxes when you haven’t even turned a profit? There is one topic where you’ll need a fast learning curve: startups and sales tax. If you don’t get it right early on, you could pay for it with big penalties later.
From Political Career to Beauty Entrepreneur
Susanne Norwitz, founder and owner of the Maya Chia skincare line, has had an affinity for beauty products since she was a child. “I’ve always played with makeup,” she says. She observed her father’s plastic surgery practice and, she says, “I saw how transformative it could be if you help someone out with something seemingly superficial.” But before she launched her line of natural skincare products at the end of 2014, she pursued a radically different career path: as a political speechwriter.
Nonprofits help seniors stay housed in Oakland
“We need to build more housing at all income levels, including affordable housing,” Oakland Mayor Libby Schaaf said in a recent telephone interview. Oakland city staff are currently working on a Housing Equity Roadmap, due out in April 2015. “The goal of the roadmap is to prevent displacement and to preserve affordability,” she said. “We have this incredible population of elders here who have worked their whole lives and given so much to this city. It is our duty to work to give them security in their last years.”
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The California Assembly is working on legislation that would provide more funding for affordable housing. In the meantime, the Oakland’s Housing Assistance Center works to connect seniors with support and services to help them stay in their homes. Many private organizations throughout Oakland also provide much-needed services. Here are just three of the nonprofits, whose innovative approaches are helping low income seniors age with grace and ease.
Rebuilding Together Oakland
From an unassuming office in a drab industrial building in North Oakland, Rebuilding Together Oakland (RTO) dispatches building crews to help Oakland’s seniors, veterans and disabled residents stay in their homes. The nonprofit, a local branch of a national organization, provides free repairs and accessibility upgrades to seniors whose homes might otherwise become uninhabitable.
“Most typically what we’ll see here are issues of deferred maintenance,” said RTO Executive Director Lisa Shulman Malul. “Are they going to pay for their heat, pay for their food or pay for maintenance?” Social service agencies aren’t equipped to help with physical repairs; RTO tries to fill that gap.
“You compound deferred maintenance over 20 years,” said Associate Program Manager Nic Lukehart, and a home can become unlivable.
Ninety percent of the homeowners RTO serves in Oakland are African American; the rest are equally divided between white and Latino residents. “In a good year, we can touch 30 percent” of the people who request assistance, Lukehart said. This is not a good year. The group is currently able to complete repairs for just 15 to 20 percent of those who request help.
RTO will assist with a wide variety of repairs as well as accessibility upgrades such as ramps, railings and lighting to help seniors navigate safely in their homes. Donations of time, money and goods from the community such as from members of the International Brotherhood of Electrical Workers (IBEW) and Anderson Carpet company help keep the organization afloat.
Lukehart told the story of a North Oakland senior named Jesse (he asked that we use only their first names to protect their privacy). “She had kind of given up,” he said, because she was overwhelmed by the amount of work that needed to be done on her home. Crews from RTO helped with everything from repairing light fixtures so she wouldn’t risk falling in the dark to fixing plumbing to removing lead paint. They tore down a garage that was on the verge of collapse and hauled away – literally — a ton of debris. “She went from really wanting to go into a retirement home to being rejuvenated and wanting to stay in her house,” he recalled.
“Every now and again, you’ll have a volunteer and they’ll fall in love with the homeowner,” said Lukehart. After installing a new wheelchair ramp for a homeowner named Melba, one longtime volunteer worked with her to restore an exercise machine she had been given by a hospital. After contacting the manufacturer to find parts for the very old machine, “we finally get this installed,” Lukehart said. “[Melba] was in tears by the end of it.” He ran into her at the grocery store later and found out she had built up to exercising for a full hour every day.
“We want them to have safe and healthy homes,” said Lukehart. “We’re talking a lot now about healthy housing.”
“It’s the best kind of civic engagement,” Malul added.
She believes that affordable housing is much more than buildings with subsidized rents. “Our philosophy is that the most affordable home is the one they’re living in,” she said.
Building healthy neighborhoods
Studies have shown that your zip code is the biggest determinant of your life expectancy. Joshua Simon, executive director of the East Bay Asian Local Development Corporation (EBALDC), cited as-yet-unpublished data showing that Piedmont residents will live, on average, 16 years longer than the residents of Oakland’s San Pablo corridor, one of the neighborhoods that the nonprofit serves.
“The reality is that people live in neighborhoods and not just in buildings,” said Simon. “It’s important that we have healthy, safe places where people can afford to live.”
The Healthy Neighborhood program targets the San Pablo corridor and Havenscourt neighborhoods as pilots for a more comprehensive approach to improving health and decreasing poverty. Partnering with community stakeholders and connecting residents to the wider neighborhood are key components of this approach — and also critical to combating isolation in seniors. “The irony is, by making an age-friendly community that makes it better and easier for seniors, you also make a better neighborhood for the next generation of youth,” said Simon.“That also makes it safe for all of us, regardless of our age.”
“We encourage resident civic engagement in our buildings,” said Simon. “When people move into our buildings, we give them a voter registration form… We look for ways that people can be engaged in the neighborhood.”
The nonprofit hopes to spread this model to other sites, filling some of Oakland’s affordable housing gap. “As rents skyrocket, market forces are squeezing out the potential sites for affordable housing,” Simon noted. “It’s critical that we tie up sites as quickly as possible, which is what we’re trying to do.”
Nonprofit provides shelter from the storm
“I want to get my sight back,” said Jack Johnson, 67, with an optimistic smile framed by his neatly combed beard. He was soaking up the sun on a warm winter day in the sunny courtyard of St. Mary’s Center, a nonprofit that works with extremely low-income seniors and families. Johnson repaired houses and cars until he lost his sight three years ago, but, he said, “I want to go back to work.” He stops by the senior center three to five days a week. “St. Mary’s satisfies many of my needs,” he noted.
The center offers a variety of services, including case management for homeless seniors over 55, a senior drop-in center, daily low-cost lunches, medical services and a 25-bed winter shelter, Oakland’s only homeless shelter specifically for seniors. The center is an oasis of serenity in a chaotic neighborhood. On weekday mornings, seniors gather at round tables in the drop-in center. Artwork from classes held at the center adorns the walls. Case workers meet with clients in small offices at the back of the room. A large table in front is filled with food donated by local stores and delivered by volunteers, which will be given away later.
Last year, St. Mary’s provided case management for 467 homeless seniors and reached out to 500 who live alone to help break their isolation. The nonprofit’s senior programs reach more than 1,000 low-income Oakland seniors each year.
Carol Johnson, St. Mary’s executive director, says that gentrification is only one part of the problem for low-income seniors. Supplemental Security Income, or SSI, which is a crucial source of income for many of the seniors she works with, maxes out at a meager $889.40 per month for a single person in California. With rents even at single room occupancy hotels as high as $700, Oakland housing is too expensive for someone living on SSI. “Because of the lack of cost of living increases over the past few years, their spending power has decreased dramatically,” Johnson said. “That only adds to the number of seniors who can’t pay their rent.”
SSI is meant to bring people who are aged, blind or disabled up to the poverty line. For low-wage earners over 65, SSI supplements the small payments they receive from Social Security. Congressional Democrats are proposing the SSI Restoration Act to improve the law’s income and asset limits, which haven’t been adequately updated in over 40 years. “Many of these people have had long work careers, but their Social Security payments don’t bring them to the federal poverty level,” Johnson observed.
“We can’t fix everything and we recognize that,” she said. “We really try to walk with people and be as supportive as we can.”
These are just three out of many innovative programs that work hard to help Oakland’s low-income seniors stay safe at home during their retirement years.
As Mayor Schaaf said, “There is no one silver bullet that is going to solve this problem.”
Laura McCamy wrote this article with support from the Journalists in Aging Fellows Program of the Gerontological Society of America and New America Media, sponsored by AARP. This story is part of a series on the effect of gentrification on seniors in Oakland.
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