Guest Columnist

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.

Seacliff Beach is unique because it has a fishing pier that extends out to a 100 year old concrete ship.

Name a brick for your family and become a permanent part of Aptos Village.

2017 was a boring year for the financial markets. It seemed like every day last year the S&P 500 and NASDAQ creeped higher and higher. In fact, 2017 was one of the calmest year for the markets in decades. 2018 has started off a different story. After blasting off in January with the S&P 500 rising almost 6 percent, February and March have been met with large swings up and down, ending down 0.8 percent on a total return basis at the end of March. With this recent volatility, now is a good time to understand what is going on and how you might be affected.

The late 1960s and 1970s were a tumultuous time in America. The Vietnam War, serial killers, Civil Rights marches and the Black Power Movement were plastered across the nightly television news. Aptos was to get our own, very up-close-and-personal incident with the Black Power movement.

Join us for the 2019 Business Showcase on Wednesday, Feb. 20 from 4-7 p.m. at the Seascape Golf Club in Aptos.

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

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?

What does it take to be a hero? Every day, people make our town a better place to live.

2018 sales volume is flat compared to 2017. 1,668 homes sold in Santa Cruz County at an Average Price of $833,869. In Aptos, 263 homes sold at an Average Price of $1,199,047 and Median Price of $1,003,000; much higher than the county but same as 2017.