Guest Columnist

Santa Cruz County Supervisor Zach Friend holds his son Elliott while speaking at the Aptos Chamber of Commerce's monthly breakfast meeting on Jan. 11. Friend touched on topics such as transportation, traffic and housing, mentioning that residents have to earn $70,000 a year to afford a two-bedroom apartment in Santa Cruz County. He encouraged residents to get involved and "choose the type of community you want," rather than pass on responsibility to future generations. "You may feel like, individually, you cannot make a significant difference on the way the community's trajectory will go," Friend said. "But I also know that if each one of us even did something small, the sum of all of those things will be more change than any of us would ever have been able to envision." Friend was also recently appointed chair of the Board of Supervisors. Photo by Jeanie Johnson

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.

Raising children can be one of the most rewarding experiences in life. It is also very costly.

Before Rancho Del Mar and Safeway came to Aptos, that property was used for growing sugar beets and cauliflower. State Park Drive was lined on both sides with huge cypress trees. Highway 1 was a four-lane highway with no overpass or on-and-off ramps. Aptos was a small town but was getting ready for a growth spurt and the Cabrillo College Aptos campus was just being planned.

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.

The oldest baby boomers (those born in the year 1946) began turning age 70.5 in summer of 2016 and have begun taking required minimum distributions (“RMDs”) under IRS guidelines for at least one if not two tax years now (2016 and 2017). The rules surrounding RMDs can be confusing and mistakes can be costly. Below are a few tips to keep in mind when managing your RMDs.

There is no question it is very difficult to afford housing in our county. One has to earn more than $70,000 to afford the rent of a two-bedroom apartment locally and our median home prices are hovering around $850,000.

By Zach Friend, Santa Cruz County Supervisor Here are some updates on local road repairs and proposed projects for bike and pedestrian safety this year. Funding for these projects comes from Measure D (which brings in about $900,000/year to our district for local roads), SB...

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.”

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.”