Guest Columnist

The holiday season is upon us! 2017 has flown by and we are only weeks away from Thanksgiving. Friday, Nov. 24 means a mad dash to be the first in line at your favorite store for Black Friday shopping, or maybe you shop from the convenience of your living room on Cyber Monday. Either way, the holiday season can turn into a stressful time of juggling family obligations, parties, and last minute to do’s before you ring in the New Year. However, the holiday season can also be an opportune time to teach your kids lessons about giving and basic financial literacy. Below are a couple of ideas to consider.

Age 70.5 is a milestone birthday in the United States. It’s also a birthday most people dread because Uncle Sam comes knocking, looking for you to pay taxes on retirement money that you’ve been diligently saving and deferring. If you are like most who reach this magical age, you probably factor in your anticipated required minimum distribution (“RMD”) that you must take from your various retirement accounts each year into your overall living expense needs. However, if you are one who truly doesn’t need the money to pay for everyday expenses, here are a couple of options for you to consider.

One of the largest issues in the greater Aptos Village area is traffic flow and improving flow in that area has been a focus of your county’s traffic engineers. County traffic engineers made signalization (along with new turn lanes and bike, bus and pedestrian improvements) as the model for improving flow in that area. With the new lights (and most of the other main improvements) completed at Trout Gulch and Soquel, we have been working to make refinements based on community feedback.

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.

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

My parents are ready to buy a home, but my mother wants to buy the land and build their home. Are there programs that can help buy her land to build her home? Is there a possibility for a first time home buyer to buy land to build or is it easier just to buy a home that is already built? 

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.

The next workshop will take place at the Rio Sands Hotel Conference Room at 116 Aptos Beach Drive in Aptos (Rio Del Mar). It will be held March 24 from 1-2 p.m. (English) and 2:30-3:30 p.m. (Spanish).

Last month we wrote about a couple of year-end money moves to make. Now that we’ve rung in the New Year, below are a couple of areas to look to fine-tune your financial life for 2018.

Holidays can be a mixed bag full of love, laughter, joy, stress, anxiety, and full-blown tantrums. And I’m just talking about the adults. Expectations about gifts, traditions and spending time together can make the holidays challenging and overwhelming for many families, even when relationships are harmonious. When relationships between immediate, extended, separated, or blended family members are strained, it requires extra effort to communicate effectively so that children remember the holidays as a special time with family and loved ones. 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, please email me at [email protected].