Guest Columnist

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.

Sept. 15 marked 10 years since the collapse of Lehman Brothers. The Financial Crisis of 2008 wiped out about 8.8 million jobs, according to the Bureau of Labor Statistics, and caused about $19 trillion in household wealth to evaporate. While the recession officially started in December 2007, we wanted to review a timeline of some key events and also look forward to the future.

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"?

Throughout California there are discussions about how to address the significant affordable housing crisis. Recent academic and industry studies done on home affordability have shown that in some coastal communities less than a quarter of people earn enough income to be able to purchase a home in their community and many can’t afford rising rents. Seniors are struggling to stay in the homes they own with an overall rising cost of living. Santa Cruz County is no exception.

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.

Gena Rea Timmons is shown on the right. Aptos History Museum archives

While the county works to reduce emissions and keep climate change from getting worse, the Climate Action Strategy presents a set of strategies to address the county’s vulnerabilities to climate change that will occur. The strategies include a broad range

The Federal Reserve was formed in 1913 when President Woodrow Wilson signed the Federal Reserve Act. The law created an independent agency, the Board of Governors, and 12 regional Federal Reserve Banks throughout the country.

The average refund received was just shy of $3,000 for the 2015 tax year. While it may be tempting to go out and splurge with that money, think about some alternative ways to put your refund dollars to work.

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, email me at [email protected].