Hi Pearldiver and erickcb! Welcome to my pages. Those are both good questions. I'll have to look into Pearldiver's query, and I think I'd like to devote a whole HubPage to answering erickcb, so give me a couple days to get back to you.
The bay area is a GREAT place to live, but also expensive. If you lay some groundwork and do a little research first, it will make your move much easier. I will endeavor to give you some helpful advice to get started.
P.S. Pearldiver-- your Cat-washing Hub is HILARIOUS and terrifying. And LONG. I have to go do some work out in the "real world" now... but look forward to exploring more of your writing (that's a smart idea to copyright it at the bottom... do you have to DO anything to back that up, or is it just a phrase one can add to protect your work from theft? Hmmmm... maybe a good idea for a Hub?)