Guest Columnist

The recent market volatility at the end of 2018 reminded us that markets don’t always behave as we would like. We’re sure that many people probably fell out of their chair after they opened up their Dec. 31 account statements.

A wonderful new event has surfaced in our Aptos community thanks to Friends of the Library and Denise Ward, a local resident who also loves to read and to bring community together.

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A year ago my update showed the median sales price in Aptos at $935,000.

Dear Nicole, I want my kids to learn the value of money. My partner and I both work two jobs to make ends meet, and we live on a tight budget.

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.

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.

Gary E. Croxall, CFP® Soren E. Croxall, CFP® Croxall Capital Planning Securities and Advisory Services offered through National Planning Corporation (NPC), member FINRA/SIPC, a Registered Investment Advisor. Consulting and Investment Management offe

The Board of Supervisors recently received an overview of the condition of local roads, including a scoring measure called the Pavement Condition Index (PCI). The PCI is a score from 0-100 that gives you a sense of the condition of local roads

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.