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News

New laws taking effect in 2025 meant to strengthen consumer protections

As the new year begins, California will see a new set of laws take effect that were signed by the governor and which are meant to improve the health, safety, and well-being of all Californians.

“California's new laws tackle today's biggest emerging challenges head-on. Through partnership with the Legislature, we’re strengthening public safety, building more housing, and providing more resources for our communities. These practical reforms protect what matters most while creating more opportunities for all Californians,” said Gov. Gavin Newsom.

New laws in 2025: Protecting consumers

California is enacting new laws to protect consumers from unfair financial practices and provide greater control over their money.

• Eliminating extra fees for declined transactions: Under AB 2017 by Assemblymember, now senator, Timothy Grayson (D-Concord) state-chartered banks and credit unions can no longer charge you a fee for declined transactions. This means if a purchase is declined because someone’s account balance is too low, they won't face additional penalties that make financial challenges even harder.

• Protecting credit scores from medical debt: SB 1061 by Sen. Monique Limón (D-Santa Barbara) makes sure Californians’ credit scores aren’t harmed by medical debt. This law stops credit agencies from including medical debt on an individual’s credit report and prevents lenders from considering it in credit decisions, ensuring no one’s credit suffers simply because they needed health care.

• Click to cancel – no more subscription traps: AB 2863 by Assemblymember Pilar Schiavo (D-Santa Clarita Valley) will strengthen consumer rights around subscription services and free trials. Starting July 1, 2025, companies must get clear consent before charging customers after a free trial ends, send annual reminders about recurring charges, and make cancellation just as simple as signing up. Customers will receive advance notice of any price changes, allowing time to decide whether to continue the subscription.

• Stronger protections for renters: Starting in 2025, new laws strengthen tenant protections in California. Landlords must document unit conditions with photos for security deposits (AB 2801 by Assemblymember Friedman), give tenants the option to report on-time rent payments to boost credit (AB 2747 by Assemblymember Haney), and are banned from charging unnecessary fees or higher security deposits for military tenants (SB 611 by Sen. Menjivar).

• Fairer deals for restaurants and consumers: SB 1490 by Sen. María Elena Durazo (D-Los Angeles) ensures food delivery platforms can’t misrepresent fees or keep a restaurant on their app without permission. It also requires a straightforward way for a restaurant to be removed from the platform if they choose. This means local businesses have more control, and there will be more honest pricing and disclosures when ordering food or beverages online.

Newsom’s office said these laws protect Californians from unfair financial practices – whether it's unexpected fees, medical debt affecting credit scores, or subscription charges they never meant to approve. They put more control back in consumers’ hands for managing personal finances.

Transform the daily grind to make life more interesting – a philosopher shares 3 strategies to help you attain the good life

 

Approaching your regular day with a new mindset can send you in an interesting direction. d3sign/Moment via Getty Images

Imagine it’s Monday morning, too cold and too dark, but once that alarm goes off, you know you’ve got to rally. The kids have to get to school. You’ve got to get to work. And, of course, your ever-growing to-do list hangs over your head like a dark cloud, somehow both too threatening to ignore and too threatening to start its tasks.

On days like this, you may be grateful simply to make it through. But then it begins, all over again.

While you can’t escape the grind, you can transform it. The latest psychological research on the good life points the way: By shifting your mindset, you can make your day-to-day more interesting and create psychological richness within your life. Psychological richness describes a robust form of cognitive engagement. It’s distinct from happiness and meaning, but just as important to the good life.

In collaboration with Shigehiro Oishi and his research lab, I’ve investigated whether the field of positive psychology has largely overlooked an important dimension of the good life. As the philosopher on our team, I had two directives. First, I helped to define the concept of psychological richness and understand what distinguishes it from happiness and meaning. Second, I set out to explore why psychological richness is valuable.

Our initial studies found that people value experiences that stimulate their minds, challenge them and generate a range of emotions. Many would choose a life full of these experiences, which we describe as psychologically rich, over a happy life or a meaningful life.

This insight points to the important role psychological richness can play within the good life, but it stops short of explaining why it’s good and why people ought to make space for psychological richness within their lives. These are value-laden questions that can’t be answered through empirical research. Their answers are found instead through philosophical analysis.

My philosophical analysis suggests that psychological richness is good for you because it’s interesting. My book, “The Art of the Interesting: What We Miss in Our Pursuit of the Good Life and How to Cultivate It,” shows how to add psychological richness to your life by making it more interesting.

One of the easiest ways to do this is by embracing a mindset characterized by curiosity, creativity and what I call “mindfulness 2.0.” When you bring these three perspectives to your day-to-day, you transform the grind into endless opportunities to experience the world as interesting. You develop the capacity to enhance your own life.

Mindfulness 2.0: Noticing without judging

What I call “mindfulness 2.0” means bringing nonevaluative awareness to the world around you – paying attention without judging.

Familiar from mindfulness practices, it’s a form of noticing that brings forth details you typically overlook: the texture of a houseplant’s leaves, the faces of the strangers you pass on the sidewalk, the differing heights of the cans on a store shelf. By bringing these details into your awareness, you stimulate your mind, allowing you to engage mentally with your surroundings in an active manner. Noticing things through mindfulness 2.0 is the first step toward having an interesting experience.

A good place to practice mindfulness 2.0 is during your morning commute. Because it’s routine, you probably don’t feel the need to engage much with the details of what you are doing. Instead you’ll find other ways to pass the time, such as listening to the news or your favorite podcast. These activities distract you from the otherwise boring commute by disengaging you from it.

a murmuration of birds looks like smoke from a factory smokestack
Noticing an intriguing pattern as birds gather overhead can engage your mind as you move through the world. Menahem Kahana/AFP via Getty Images

But you can also get through the commute by engaging with it to make it less boring. Here’s where the power of mindfulness 2.0 kicks in. Through actively noticing things around you – be it the people clustered at the bus stop, or the traffic patterns created by a stoplight, or a flock of birds swooping overhead – you engage your mind and set yourself up to experience the interesting.

Curiosity: Exploring through questions

Curiosity isn’t just for kids. No matter how much you know, there’s always something to be curious about – especially if you’ve learned to notice the details through mindfulness 2.0.

Say you’ve noticed, during your commute, the group of people gathered around the bus stop. Now let your curiosity take off: Was that bus stop always there? How long has that exceptionally weird real estate advertisement been stuck on the seatback? So many people lined up this cold morning. You might wonder if you’d feel a little more connected if you were with them. But then you notice that no one is talking. Do they ride the same bus together, every day, without acknowledging each other?

Through asking questions, you ask your mind to consider something it hadn’t before. You create new thoughts, and if you let your mind keep going, you’ll have an interesting experience, all the while making that same commute. Even better, you’ll have created that interesting experience on your own. You’ve harnessed an ability to enhance your life, an ability that’s completely within your control.

Creativity: Trying something new

While people often think of creativity as a talent, native only to artists or inventors, everyone has the ability to be creative. Creativity is a skill that involves forming new connections with your mind. You’re creative whenever you do something new or different. Whether it is painting a brilliant landscape or wearing a new color combination, developing a new dish or simply tweaking a recipe, it all falls under the umbrella of creativity.

person watering little potted plants
Exploring what your green thumb can coax to flourish is one creative path. Luis Alvarez/DigitalVision via Getty Images

When you are creative, in big or small ways, you generate novelty within your life, and this puts you on the path toward experiencing psychological richness. Novelty all but forces the mind to think and feel in new ways, stimulating that robust form of cognitive engagement that brings the interesting.

Even just a little bit of creativity will bring novelty to your day-to-day routine. Wear something you don’t normally wear. Add a little flair to your handwriting or choose a different colored pen to write with. Change the patterns on your screen saver. Notice the impact these little tweaks have on your day. Little by little, they’ll add up to make your day just a little more interesting.

Everyone’s experience of what’s interesting is unique. There’s no one interesting experience for all of us, because the interesting depends entirely on how our minds engage, react and respond. Through developing mindfulness 2.0, and bringing curiosity and creativity to your experiences, you train your mind to engage, react and respond in ways that will transform any experience into an interesting one.

This is the power a mindset can bring. It’s a capacity to enhance our lives that anyone can develop.The Conversation

Lorraine Besser, Professor of Philosophy, Middlebury

This article is republished from The Conversation under a Creative Commons license. Read the original article.

Lake County Behavioral Health Services launches new CARE Court process

LAKE COUNTY, Calif. — The new Community Assistance, Recovery, and Empowerment, or CARE, Court program, created by state legislation two years ago, is beginning in Lake County.

Lake County Behavioral Health Services announced Monday that it is launching the county’s CARE Court, which aims to divert individuals that are struggling with specific schizophrenia and other psychotic spectrum disorders away from the criminal justice system and into a civil court process that will provide either voluntary or court ordered treatment, stabilization and other support services for individuals in need.

The CARE Court program is designed to assist individuals aged 18 and older who meet specific health and safety criteria by offering court-ordered treatment, services, and housing plans to those who may otherwise struggle with homelessness or become involved with the justice system due to specific untreated psychotic disorders.

A care team from Lake County Behavioral Health Services will work together with individuals to coordinate treatment, housing support, and other services to ensure that individuals with severe mental health conditions receive the care and support they need.

Behavioral Health said the CARE Court initiative is a critical step in addressing the needs of the county’s most vulnerable residents, including those who may not otherwise seek voluntary treatment.

The CARE Court collaborative effort between Lake County Behavioral Health Services and the Lake County Superior Court System will create new pathways for success for Lake County residents that are facing unique and severe mental health challenges, Behavioral Health said.

Petitions for CARE Court can be filed by family members, roommates, health care providers, clinicians, first responders, county behavioral health staff and others as specified in the law.

Gov. Gavin Newsom signed the legislation enacting CARE Court in September 2022.

The bill that created CARE Court, SB 1338, was authored by Sen. Thomas Umberg (D-Santa Ana) and Sen. Susan Talamantes Eggman (D-Stockton).

CARE Court has been phased in across California’s 58 counties in two cohorts.

The first cohort, which began on Oct. 1, 2023, included Glenn, Orange, Riverside, San Diego, Stanislaus, Tuolumne and San Francisco counties. California Health and Humans Services reported that Los Angeles County is in the second cohort but has implemented its program early.

Lake and the other 49 counties in the second cohort were required to implement their programs by Dec. 1, Health and Humans Services said.

For more information regarding the CARE Act, please visit the California Health and Humans Services CARE Act information page at https://www.chhs.ca.gov/care-act/.

New year to start with cooler temperatures, possible rain

LAKE COUNTY, Calif. — As 2024 closes and 2025 begins, colder winter temperatures are set to welcome the new year.

The National Weather Service said another storm front — following an overnight cold snap when temperatures in some parts of Lake County were expected to drop into the high 20s — is expected on Tuesday.

There is a chance of rain on New Year’s Day, increasing that night, and continuing Thursday and Friday.

Forecasters said conditions will be clear into early next week.

On Tuesday night, temperatures are forecast to be in the low 30s, rising into the 40s on Thursday night before dropping again into the 30s for the rest of the week.

During the day, temperatures are expected to be in the low 50s on New Year’s Day, and for the rest of the week moving into the high 50s, according to the forecast.

Email Elizabeth Larson at This email address is being protected from spambots. You need JavaScript enabled to view it.. Follow her on Twitter, @ERLarson, and on Bluesky, @erlarson.bsky.social. Find Lake County News on the following platforms: Facebook, @LakeCoNews; X, @LakeCoNews; Threads, @lakeconews, and on Bluesky, @lakeconews.bsky.social.

State insurance commissioner issues regulation to expand insurance access for Californians amid growing climate risks

California Insurance Commissioner Ricardo Lara on Monday announced the final major step in his Sustainable Insurance Strategy, issuing a historic regulation aimed at restoring stability to California’s insurance market while addressing the growing risks of wildfires and climate change.

The new Net Cost of Reinsurance in Ratemaking Regulation requires insurance companies — for the first time — to increase coverage in high-risk areas, ensuring more options for Californians while limiting the costs passed on to consumers.

The regulation works hand-in-hand with other reforms that Commissioner Lara has spearheaded that will have the effect of increasing insurance coverage options for Californians across the state.

“Californians deserve a reliable insurance market that doesn’t retreat from communities most vulnerable to wildfires and climate change,” said Lara. “This is a historic moment for California. My Sustainable Insurance Strategy is focused on addressing the challenges we face today and building a resilient insurance market for the future. With input from thousands of residents throughout California, this reform balances protecting consumers with the need to strengthen our market against climate risks.”

Reinsurance is a financial tool that is part of how insurance companies manage their risk portfolios associated with the policies they write to homeowners and business owners. Its roots date back to the 14th century, when merchants and traders sought ways to spread the risks of perilous ocean voyages, often relying on multiple insurers to cover their ventures.

As climate risks escalate across the nation, reinsurance has become an even more imperative component of insurance companies operating in high-risk and distressed areas, including California.

Lara’s office said modernizing regulations around reinsurance will enable insurance companies to expand coverage and write more policies in communities across the state facing greater risk, ensuring stability and resilience in the state’s insurance market.

All other states except California allow for costs of reinsurance in rates and, in 2023, the first systematic review of climate risk strategies by Ceres and the California Department of Insurance revealed that reinsurance is the primary strategy most insurance companies use to continue to write and expand coverage in higher risk parts of California and across the country.

What it means: Insurance companies must increase coverage in wildfire-prone regions, ensuring they write policies for at least 85% of their statewide market share, with annual increases until the threshold is met.

More coverage for Californians in wildfire-distressed areas: All homeowners insurance companies must increase the writing of comprehensive policies in wildfire distressed areas equivalent to no less than 85% of their statewide market share, whereas there is no current legal requirement today for insurers to provide any coverage in high-risk areas. Companies will have to continue to increase by 5% every two years until they meet this threshold.

Cost caps: The regulation treats reinsurance like other insurance company expenses allowed under Prop. 103 today — such as claims handling or agent commissions — by establishing an industry-wide standard cost of reinsurance and capping the amount of reinsurance costs that can be charged to consumers. Companies spending more than the industry standard cannot pass these costs onto their policyholders.

Greater efficiency: Establishing a standard cost based on an index of what insurance companies spend encourages them to be efficient and compete for the best price for reinsurance, so consumers get the best value.

California-only costs: The regulation limits costs to California-only, so consumers do not pay for the cost of Gulf Coast hurricanes or Midwest windstorms.

Reliable rates: The regulation goes hand-in-hand with forward-looking wildfire catastrophe models that can better predict future rates. Under the current system of historical data, insurance consumers are paying balloon premiums and rate spikes after major wildfires, without increased availability.

Prevents “model-shopping”: “Model shopping” describes when insurance companies choose one model that produces higher rates for consumers, and another that lowers their reinsurance costs. To prevent model shopping, the regulation requires insurance companies utilize the same model for both. This promotes more consistent approaches to assessing risks, and balances the scales for consumers.

Largest insurance reform in 30 years: The new regulation is the final major element of the largest insurance reform in 30 years for California. The department held multiple workshops and hearings in 2024, including a meeting on Dec. 5 which was attended by more than 500 people and received 70 verbal and written comments which helped shape this regulation. Commissioner Lara has met with tens of thousands of Californians in all 58 counties across the state since taking office as well as testifying at four legislative briefings about his Sustainable Insurance Strategy over the past year.

Commissioner Lara announced on Dec. 13 that he had finalized a wildfire catastrophe modeling regulation with a requirement for insurers to increase their policy offerings in underserved areas of the state as a condition of incorporating catastrophe modeling into ratemaking. These two regulatory efforts work together, with other Sustainable Insurance Strategy reforms, to increase the availability of homeowners and commercial insurance policies in wildfire distressed areas.

State attorney general urges counties to establish domestic violence death review teams

California Attorney General Bonta has announced the release of a new protocol for counties establishing domestic violence incident review teams.

A review team is a collaborative effort between legal, health, criminal justice, advocacy and judicial groups that come together to support, protect and fight for domestic violence survivors and their families.

The new protocol describes how different review teams across the state, the country, and the world approach key decisions. It highlights emerging practices and presents their potential advan­tages and disadvantages.

“These teams save lives,” said Attorney General Bonta. “It is my hope that each county in California establishes their own local team to advocate for survivors and their families. When we break down our silos and work together, everyone wins. My office is always at the ready to fight for survivors.”

In 1995, California state law authorized counties to establish Domestic Violence Death Review Teams.

The law directs review teams to identify and review domestic violence deaths, facilitate interagency communications, and develop recommendations for prevention and intervention policies and protocols with the objective of reducing and eradicating incidences of domestic violence.

In 2022, the legislature amended the law to authorize the review of near-death incidents and directed the Office of the Attorney General to publish a protocol for the development and imple­mentation of interagency domestic violence death review teams for use by counties.

A domestic violence death review team is a county-level multidisciplinary team authorized by the California Penal Code to:

• Identify domestic violence death and near-death cases;
• Review death and near-death incidents;
• Facilitate agency responses;
• Develop prevention and intervention recommendations.

For more information and resources on domestic violence, please visit our Victims’ Services Unit website at https://oag.ca.gov/victimservices or call 877-433-9069.
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Community

  • Lake County Wine Alliance offers sponsor update; beneficiary applications open 

  • Mendocino National Forest announces seasonal hiring for upcoming field season

Public Safety

  • Lakeport Police logs: Thursday, Jan. 15

  • Lakeport Police logs: Wednesday, Jan. 14

Education

  • Woodland Community College receives maximum eight-year reaffirmation of accreditation from ACCJC

  • SNHU announces Fall 2025 President's List

Health

  • California ranks 24th in America’s Health Rankings Annual Report from United Health Foundation

  • Healthy blood donors especially vital during active flu season

Business

  • Two Lake County Mediacom employees earn company’s top service awards

  • Redwood Credit Union launches holiday gift and porch-to-pantry food drives

Obituaries

  • Rufino ‘Ray’ Pato

  • Patty Lee Smith

Opinion & Letters

  • The benefits of music for students

  • How to ease the burden of high electric bills

Veterans

  • CalVet and CSU Long Beach team up to improve data collection related to veteran suicides

  • A ‘Big Step Forward’ for Gulf War Veterans

Recreation

  • Wet weather trail closure in effect on Upper Lake Ranger District

  • Mendocino National Forest seeking public input on OHV grant applications

  • State Parks announces 2026 Anderson Marsh nature walk schedule 

  • BLM lifts seasonal fire restrictions in central California

Religion

  • Kelseyville Presbyterian to host Ash Wednesday service and Lenten dinner Feb. 18

  • Kelseyville Presbyterian Church to hold ‘Longest Night’ service Dec. 21

Arts & Life

  • Auditions announced for original musical ‘Even In Shadow’ set for March 21 and 28

  • ‘The Rip’ action heist; ‘Steal’ grounded in a crime thriller

Government & Politics

  • Lake County Democrats issue endorsements in local races for the June California Primary

  • County negotiates money-saving power purchase agreement

Legals

  • March 3 hearing on ordinance amending code for commercial cannabis uses

  • Feb. 12 public hearing on resolution to establish standards for agricultural roads

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