Ask Nicole: Quality time matters
I recently read that “According to a [2007] report by the A.C. Nielsen Company, parents spend only 39 minutes per week in meaningful conversation with their children.”
Ask Nicole: Preparing for the holidays in a blended family
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].
Navigating uncertainty
As we write this month’s article, we are facing a sea of uncertainty. First and foremost, we understand yours and your loved one’s physical health is of primary concern. However, we wanted to use this article to discuss a few tips and resources to...
The first friend
The Friends of the Aptos Library have started a new program called Our Community Reads, which asks everyone to read the same book, and then a series of special events are planned to enrich the experience for those people who did read the book. The Friends also hold book sales and fundraisers to make our library a better place for all of us. But, what if there were no Aptos Library? Our story begins with the very first “friend” who started the library.
Understanding the closing cost
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.
Significant upgrades planned for our libraries
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.
Preparing for winter rains
As we head into the rainy season it’s always good to do some advance preparations for your home or business. The county is still making repairs to storm damage that occurred just two years ago, which caused more than $129 million in damage to public roads and facilities in the unincorporated county.
The historic Mangels House
Mangels House is an elegant, Victorian, summer mansion in the Aptos hills, built by Claus Mangels, brother-in-law of Claus Spreckels, the sugar millionaire. It is the last remaining example of three nearly identical mansions built between 1872-88.
Claus Mangels was born Sept. 12, 1832, in...
End of year checklist
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.”
Qualifying for a housing loan
The second you realize this article is housing-related, like most people your first comment has to be "housing prices are crazy" followed by "I hear people in San Jose are paying over a million for a small two-bedroom home" followed again by "Housing pric























