Guest Columnist

Most people probably have a sense of what their credit score is and if their score is considered a “poor” score all the way to “exceptional.” Banks and credit cards will show you your credit score often updated on a monthly basis.

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?

In a recent budget message to the Board, the County Administrative Officer noted that as the county emerged from the Great Recession, the Board has worked to limit the growth of the overall budget while focusing on restoring reserves and investing in key

I recently listened to Michelle Obama’s book, Becoming. I was fascinated by her life and the depth of skills and experience she had before becoming the First Lady.

By John Hibble, Aptos History Museum The native people who lived here and gave Aptos its name, lived on the land and were stewards of it. They may have been territorial, but they did not have the concept of land ownership. The first owners of this...

A Review of the Tax Cuts and Jobs Act of 2017 — At the end of 2017, Congress passed the Tax Cuts and Jobs Act. Under that piece of legislation, Congress slashed the top corporate tax rate for businesses from 35 percent down to 21 percent.

In 2016, total volume for Santa Cruz County (SCC) was $15.6B on 1,754 home sales, 200 townhome sales and 285 condo sales. The Median Home sales price was $785K. In 2017 (through Dec. 15), total SCC volume is $16.5B on 1,756 homes sales, 193 townhome sales and 277 condo sales. The Median Home sales price is now at $840K, a 7 percent increase year over year. So, number of sales is flat but sales revenues are up $1 billion in our county.

One of the largest issues in the greater Aptos Village area is traffic flow and improving flow in that area has been a focus of your county’s traffic engineers. County traffic engineers made signalization (along with new turn lanes and bike, bus and pedestrian improvements) as the model for improving flow in that area. With the new lights (and most of the other main improvements) completed at Trout Gulch and Soquel, we have been working to make refinements based on community feedback.

A wonderful new event has surfaced in our Aptos community thanks to Friends of the Library and Denise Ward, a local resident who also loves to read and to bring community together.

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.