Guest Columnist

The first owners of Aptos were the King and Queen of Spain. The Catholic Church and the Army administered their holdings.

By Zach Friend, Santa Cruz County Supervisor As the world economy has plunged toward recession the local economy, and County budget, are facing the same retraction. With the tourism industry, one of the largest employers and tax elements (directly through hotel taxes and indirectly through...

The word "whisky" comes from Scottish and Irish Gaelic, "uisge beatha," or "usquebaugh," meaning "water of life." Many other countries give the same name to their distilled spirits including "eau de vie" in France, "acquavite" in Italy, and "akvavit" in Scandinavia. Why would anyone want to take away something as essential as the "water of life"?

The holiday season has come and gone and many are left with the familiar feeling of regret after months of lack of exercise and overeating. They feel tired, sluggish, and yes, out of shape and over-weight ... again. This is what we call the "Holiday Weight Cycle." The problem is that fad diets and extreme exercise routines are often a “go-to” for most people; sometimes they work, but usually they don’t. For most these extreme measures are not sustainable and lead only to frustration or failure. For example, when one "starves" themselves or abruptly starts a daily, high-intensity exercise regimen it often leaves them feeling defeated and they quit; hence the "cycle" continues. The problem isn’t that people don’t have enough will-power, it's the "System" itself. As a society we tend to set unrealistic expectations which pressures individuals to give into unhealthy behaviors such as this "Holiday Weight-Cycle." Will 2018 be your year for change? Or will this cycle leave you one year farther from your goal to be healthy and fit again?

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

According to reports from the Huffington Post, the number one New Year's Resolution is to lose weight. That's not surprising as they also report that about one in every three adults in this country is obese.

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.

Please join us and take the pledge not to text and drive. More families are taking the pledge. We need you.

The next workshop will take place at the Rio Sands Hotel Conference Room at 116 Aptos Beach Drive in Aptos (Rio Del Mar). It will be held March 24 from 1-2 p.m. (English) and 2:30-3:30 p.m. (Spanish).

What came first, the chicken or the egg? How about “when I want to buy a home, who do I see first, the realtor or the loan officer? These are deep philosophical questions that require an astute examination of perception versus reality. The perception for years has been to walk into a real estate office and start the process of buying a home. The reality is doing it this way is like walking onto a car lot and walking right up to a salesman and asking if he would sell you a car.