Guest Columnist

With Memorial Day and the unofficial start of summer the number of complaints for fireworks begins to increase.

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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.

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

The Aptos Chamber was more like a small-town improvement association. The initial name was the Aptos Community Club. The first item of business was to get a fire engine for the town and to obtain all night telephone service. The next item of work was to celebrate the opening of the new bridge into town which replaced an old wooden bridge with a suicide curve in the middle. The chamber planned the ceremony and a big parade.

In 2019, the average sales price for single-family homes was $1,117,353 and the median sales price was $1,000,000. This compares to 2018, where the average was $1,195,194 and the median was $1,008,000, so an ever-so-slight downtick in price in 2019. But, the volume was...