Guest Columnist

It’s that time of year again for our annual article on end of year financial tasks to complete. It’s hard to believe that 2018 is already drawing to a close as it just seems like yesterday we were celebrating New Years! In between festivities, take a few minutes to knock off a couple financial “to-do’s.”

Aptos is a very special place to live and work and I look forward to the second half of 2017!

In July 2019, the state of California launched CalSavers, a program designed to allow employees access to a retirement savings plan administered by the state if their employer doesn’t currently offer their own retirement savings plan.  What is CalSavers? CalSavers is essentially a Roth IRA that...

Happy New Year! January is the eighth annual Positive Parenting Awareness Month in Santa Cruz County. Although parenting is a non-stop job that deserves recognition every day of the year, this month is an opportunity to reflect on what it means to be a...

2018 sales volume is flat compared to 2017. 1,668 homes sold in Santa Cruz County at an Average Price of $833,869. In Aptos, 263 homes sold at an Average Price of $1,199,047 and Median Price of $1,003,000; much higher than the county but same as 2017.

Last month we wrote about a couple of year-end money moves to make. Now that we’ve rung in the New Year, below are a couple of areas to look to fine-tune your financial life for 2018.

Santa Cruz County Supervisor Zach Friend holds his son Elliott while speaking at the Aptos Chamber of Commerce's monthly breakfast meeting on Jan. 11. Friend touched on topics such as transportation, traffic and housing, mentioning that residents have to earn $70,000 a year to afford a two-bedroom apartment in Santa Cruz County. He encouraged residents to get involved and "choose the type of community you want," rather than pass on responsibility to future generations. "You may feel like, individually, you cannot make a significant difference on the way the community's trajectory will go," Friend said. "But I also know that if each one of us even did something small, the sum of all of those things will be more change than any of us would ever have been able to envision." Friend was also recently appointed chair of the Board of Supervisors. Photo by Jeanie Johnson

You walk into your local mortgage office (keep it local!) with that smirk on your face that only you and your wife recognize. Right off the bat you announce you have the down payment money and right off the bat you get asked, “you also have the closing cost, I presume…?” Closing cost? What!? You mean everyone in this process doesn’t work for free? Let me tell you, not only do they not work for free, some work for more than others! There are two sections of cost when referring to the closing cost of a home loan. One is recurring closing cost; the second is non-recurring closing cost. The first includes items like your pre-paid property taxes, hazard insurance and that first payment that you don’t send, you know, the one that everyone thinks is free, it’s not.

During the last week of January communities around the country conducted a federally-mandated point-in-time (PIT) count of their homeless populations.

By Zach Friend, Santa Cruz County Supervisor If you’ve been driving on Soquel near the Aptos Village recently you’ve noticed the work on the intersection of Aptos Creek Road and the surrounding area. This work includes important pedestrian improvements as well as intersection and drainage...