Guest Columnist

The Aptos Chamber was more like a small-town improvement association. The initial name was the Aptos Community Club. The first item of business was to get a fire engine for the town and to obtain all night telephone service. The next item of work was to celebrate the opening of the new bridge into town which replaced an old wooden bridge with a suicide curve in the middle. The chamber planned the ceremony and a big parade.

Gary E. Croxall, CFP® Soren E. Croxall, CFP® Croxall Capital Planning Securities and Advisory Services offered through National Planning Corporation (NPC), member FINRA/SIPC, a Registered Investment Advisor. Consulting and Investment Management offe

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.

Over the last year, in response to significant declines in transportation funding, the state legislature proposed a number of bills to stabilize funding. Ultimately, in April, the state passed Senate Bill 1, the Road Repair and Accountability Act. The bill focused on providing a steady stream of transportation funding to address the backlog of state and local transportation projects. The legislation combined new diesel and gasoline taxes with vehicle fees and Caltrans efficiencies to fund local and state roadway repairs (including storm damage local matches), public transportation, congested corridors, bike and pedestrian improvements and more. The bill also allows for cities and counties with their own local tax measure (such as our recently passed Measure D) to apply for additional funds.

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

As I begin each new year as your County Supervisor, I like to report back in this column on some of the things we’ve accomplished because of your partnership and communication of priorities.

Holidays can be a mixed bag full of love, laughter, joy, stress, anxiety, and full-blown tantrums. And I’m just talking about the adults. Expectations about gifts, traditions and spending time together can make the holidays challenging and overwhelming for many families, even when relationships are harmonious. When relationships between immediate, extended, separated, or blended family members are strained, it requires extra effort to communicate effectively so that children remember the holidays as a special time with family and loved ones. This monthly column provides tips for anyone who is helping raise children, based on the world-renowned Triple P – Positive Parenting Program, available to families in Santa Cruz County. If you have a question or idea for a future column, please email me at [email protected]

Before Rancho Del Mar and Safeway came to Aptos, that property was used for growing sugar beets and cauliflower. State Park Drive was lined on both sides with huge cypress trees. Highway 1 was a four-lane highway with no overpass or on-and-off ramps. Aptos was a small town but was getting ready for a growth spurt and the Cabrillo College Aptos campus was just being planned.

For the first time in decades, significant upgrades and improvements are planned for libraries in our district. Let’s look at how we got here, what’s planned and how you can get involved in the process.

Nicole Young is the mother of two children, ages 14 and 18, who also manages Santa Cruz County's Triple P - Positive Parenting Program, the world's leading positive parenting program. Scientifically proven, Triple P is made available locally by First 5 Santa Cruz County, the Santa Cruz County Health Services Agency (Mental Health Services Act) and the Santa Cruz County Human Services Department. To find a Triple P parenting class or practitioner, visit triplep.first5scc.org, www.facebook.com/triplepscc or contact First 5 Santa Cruz County at 465-2217 or [email protected]