Guest Columnist

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).

As you may well have heard, at the end of 2017 Congress passed the Tax Cuts and Jobs Act. While corporations might be celebrating the cut of the top corporate tax rate from 35 percent to 21 percent, many might be wondering how the new tax law affects them personally.

Where did the word "museum" come from? The word is from ancient Greece and describes a building or temple dedicated to the Muses. OK, who were the Muses? In mythology, they were the daughters of Zeus, the king of the many gods and goddesses, and Mnemosyne (nee-moss-ih-nee), the goddess of memory. The nine Muses were goddesses of the literary arts, music, visual arts, culture and science. The Muse, Clio, was the goddess of history. The Muses spark creativity in mortal people. Museums collect, preserve, interpret and display items of artistic, cultural, historical, or scientific importance for the education of the public and for future generations. Above all, museums are storehouses of knowledge.

The Friends of the Aptos Library have started a new program called Our Community Reads, which asks everyone to read the same book, and then a series of special events are planned to enrich the experience for those people who did read the book. The Friends also hold book sales and fundraisers to make our library a better place for all of us. But, what if there were no Aptos Library? Our story begins with the very first “friend” who started the library.

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.

Most people probably have a sense of what their credit score is and if their score is considered a “poor” score all the way to “exceptional.” Banks and credit cards will show you your credit score often updated on a monthly basis.

As we are writing this month’s article, the Dow Jones Industrial Average just crossed over 22,000 for the first time in history (Aug. 2, 2017). Year to date the Dow Jones Industrial Average is up approximately 11.4 percent while the S & P 500 is up approximately 10.61 percent (as of Aug. 1, Source: Morningstar).

We mentioned in our January article that many people were likely to be surprised that come tax filing time the refund that they have come to expect every year in the spring has evaporated, or worse yet, they now owe money to the IRS!

A tiny six-page pamphlet about Aptos Village reads: Not so long ago there were hundreds of Aptos Indians still living and working in this area. Ralph Mattison, banker, tells of seeing them camped on the beach and remembers his father giving them cheese and milk...

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.