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.

Please join us and take the pledge not to text and drive. More families are taking the pledge. We need you.

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

For the first time in decades, significant upgrades and improvements are planned for libraries in our district. Let’s look at how we got here, what’s planned and how you can get involved in the process.

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.

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.”

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.

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].

As we head into the rainy season it’s always good to do some advance preparations for your home or business. The county is still making repairs to storm damage that occurred just two years ago, which caused more than $129 million in damage to public roads and facilities in the unincorporated county.

The title is supposedly an acronym for where the name “golf” came from. I don’t like to be politically incorrect but, this is what is called an “old wives’ tale.” Women have been very involved in golf on the Monterey Bay. Marion Hollins, a championship golfer, developed the Cypress Point Club and Pasatiempo Golf Club.