California加州生活导航

When to Use

User needs California-specific guidance that generic U.S. advice usually gets wrong: choosing a region, moving, licensing, housing, taxes, wildfire and earthquake readiness, healthcare, schools, commuting, or statewide trip planning.

This skill should activate for four modes: visiting, moving to California, living in California, and operating a California-based business.

Architecture

This skill works statelessly for one-off California questions. If the user wants continuity across sessions, memory lives in ~/california/. If ~/california/ does not exist, read setup.md, explain planned local storage in plain language, and ask for confirmation before creating files. See memory-template.md for structure.

CODEBLOCK0

Quick Reference

Topic	File
Setup guide	INLINECODE4
Memory template

memory-template.md | | Regions, metros, and base-city tradeoffs | regions.md | | Move-in sequence and relocation checklist | moving-and-settling.md | | Driver license, registration, smog, and DMV flow | california-dmv-and-vehicles.md | | Renting, buying, insurance pressure, and property fit | housing-and-insurance.md | | Electricity, water, gas, internet, and recurring bills | utilities-and-bills.md | | Taxes, salary reality, and total cost of life | costs-and-taxes.md | | Wildfire, earthquake, flood, and outage readiness | hazards-and-preparedness.md | | Laws, scams, and practical safety | laws-and-safety.md | | Schools, childcare, and family-location logic | family-and-schools.md | | Health insurance, care access, and plan selection | healthcare-and-coverage.md | | Work, startups, LLCs, and statewide business tradeoffs | work-and-business.md | | Transit, driving, and commute design | transit-and-commutes.md | | Road trips, parks, and visiting strategy | road-trips-and-visiting.md | | Official sources map | sources.md |

Core Rules

1. Classify the User Before Giving Advice

• - Decide which California mode applies first: visitor, future resident, current resident, or business operator.
• Then anchor the answer to the user's region, metro, county, ZIP, and school district when those variables change the recommendation.
• If that context is missing, ask for it before pretending California is one market.

2. Separate State Rules from Local California Reality

• - California-level rules are only the first layer. City, county, utility territory, school district, coastal or inland climate, and insurance exposure often change the real answer.
• Always label which parts are statewide and which parts must be verified locally.
• For address-specific questions, prefer official portals over generic summaries.

3. California Is a Set of Distinct Operating Environments

• - Bay Area, Los Angeles, Orange County, Inland Empire, San Diego, Sacramento, Central Coast, and mountain or desert regions do not solve the same problem.
• Never compare them as if only rent changes.
• The correct answer usually depends on housing cost, commute shape, hazard exposure, and job geography together.

4. Total Cost Beats Headline Rent or Salary

• - Include state income tax, sales tax variation, car or transit cost, parking, utilities, insurance, and hazard-driven costs.
• For homeowners and renters, mention wildfire or earthquake readiness, deductible pressure, and availability problems when relevant.
• Use costs-and-taxes.md before saying a place is "worth it."

5. Hazard Planning Changes Good Advice

• - Wildfire, smoke, earthquake, flood, mudslide, drought, heat, and outage risk are not side notes.
• Adjust home choice, commute, trip design, and insurance guidance around actual exposure.
• When hazard risk matters, lead with readiness and fallback plans, not scenery.

6. Deliver Sequence, Not Brochure Copy

• - California users often need deadlines, documents, portals, and tradeoffs.
• For administrative topics, answer in the form "do this today / this week / later" whenever possible.
• For destination or relocation topics, show why one base region fits better than another.
• Before creating or changing local files in ~/california/, explain the planned write and ask for confirmation.

7. Use Official Sources for Unstable Rules

• - DMV steps, smog rules, tax rates, wildfire insurance issues, district boundaries, and health-coverage details can change.
• Verify current information from the official state or local source before giving precise compliance steps.
• If current verification is blocked, say so plainly and avoid false precision.

Common Traps

• - Treating California like one state experience instead of multiple different markets and risk zones.
• Recommending a neighborhood or suburb without checking commute shape, insurance stress, and district fit.
• Comparing salaries without subtracting state tax, parking, transit, utilities, and local cost pressure.
• Ignoring wildfire, smoke, earthquake, or flood exposure until after housing is narrowed.
• Mixing up DMV, CDTFA, FTB, Covered California, CPUC-regulated utilities, and local school or county systems.
• Planning California travel by map distance instead of traffic, mountain timing, permits, and seasonal hazard conditions.

External Endpoints

Endpoint	Data Sent	Purpose
https://www.ca.gov	Page requests only unless user explicitly wants form guidance	State services and resident tasks
https://www.dmv.ca.gov

Page requests only unless user explicitly provides case details | Driver license, REAL ID, registration, and smog workflows | | https://www.cdtfa.ca.gov | Page requests only unless user explicitly wants tax-specific guidance | Sales tax and local district tax guidance | | https://www.ftb.ca.gov | Page requests only unless user explicitly wants income-tax guidance | State income tax references and resident tax workflows | | https://www.calfire.ca.gov | ZIP, county, or region references if the user asks for wildfire-specific guidance | Wildfire preparedness and local fire-risk context | | https://www.earthquake.ca.gov | Page requests only | Earthquake alerts and preparedness guidance | | https://www.insurance.ca.gov | ZIP, county, or region references if the user asks for insurance or wildfire-loss guidance | Insurance help, wildfire consumer protections, and claims guidance | | https://www.coveredca.com | County or ZIP if the user asks for marketplace coverage help | Health insurance marketplace and plan lookup | | https://www.cde.ca.gov | ZIP, city, district, or school references if the user asks for school matching | Education and school district framework |

No other data is sent externally.

Security & Privacy

Data that may leave your machine:

• - Public page requests to official California agencies and official service portals
• ZIP, county, or district data only when the user asks for location-specific guidance

Data that stays local:

• - Region preference, move timeline, family constraints, vehicle notes, and open tasks in INLINECODE22

This skill does NOT:

• - Submit government forms on the user's behalf without explicit instruction
• Store credentials, SSNs, or payment information in local memory
• Assume local rules when the answer depends on a city, county, district, or utility territory

Trust

By using this skill, location details such as ZIP, county, or district may be checked against official California or local-government websites when the user asks for precise guidance.

Only install if you trust those public services with that lookup context.

Related Skills

Install with clawhub install <slug> if user confirms:

• - travel — General itinerary design and travel planning structure
• INLINECODE25 — Rental car, pickup, and handoff decisions for California trips
• INLINECODE26 — Deeper purchase workflow support after region and housing fit are narrowed
• INLINECODE27 — More detailed insurance-plan comparison and terminology support
• INLINECODE28 — Broader business operations guidance beyond California-specific rules

Feedback

• - If useful: INLINECODE29
• Stay updated: INLINECODE30