Guest Columnist

The holiday season has come and gone and many are left with the familiar feeling of regret after months of lack of exercise and overeating. They feel tired, sluggish, and yes, out of shape and over-weight ... again. This is what we call the "Holiday Weight Cycle." The problem is that fad diets and extreme exercise routines are often a “go-to” for most people; sometimes they work, but usually they don’t. For most these extreme measures are not sustainable and lead only to frustration or failure. For example, when one "starves" themselves or abruptly starts a daily, high-intensity exercise regimen it often leaves them feeling defeated and they quit; hence the "cycle" continues. The problem isn’t that people don’t have enough will-power, it's the "System" itself. As a society we tend to set unrealistic expectations which pressures individuals to give into unhealthy behaviors such as this "Holiday Weight-Cycle." Will 2018 be your year for change? Or will this cycle leave you one year farther from your goal to be healthy and fit again?

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.

Over the last four years the Board of Supervisors has been working on policies around the dispensing and cultivation of medical cannabis. While work around cannabis in general will be evolving for quite some time, the Board is poised to adopt a commercial cultivation ordinance in early May. Creating a framework for medicinal sales (through local dispensaries) was the first thing addressed by the ordinance a few years ago. While there have been updates to that ordinance, overall the framework for medicinal sales has been established. Creating a framework for commercial cultivation — both on the medicinal side and now, through state law change, the recreational side, has proved more difficult.

The average refund received was just shy of $3,000 for the 2015 tax year. While it may be tempting to go out and splurge with that money, think about some alternative ways to put your refund dollars to work.

Over the last few years the County has experienced significant flood events and damage that we are still working to repair. With climate change, severe events like these storm sets are expected to become more common as are the severity and length of droughts....

When I was a young child, the only TV shows my parents let us watch were Sesame Street, Mister Rogers, or anything else on PBS. Occasionally, we watched The Brady Bunch, until my mom declared the show off limits.

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

You walk into your local mortgage office (keep it local!) with that smirk on your face that only you and your wife recognize. Right off the bat you announce you have the down payment money and right off the bat you get asked, “you also have the closing cost, I presume…?” Closing cost? What!? You mean everyone in this process doesn’t work for free? Let me tell you, not only do they not work for free, some work for more than others! There are two sections of cost when referring to the closing cost of a home loan. One is recurring closing cost; the second is non-recurring closing cost. The first includes items like your pre-paid property taxes, hazard insurance and that first payment that you don’t send, you know, the one that everyone thinks is free, it’s not.

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 second you realize this article is housing-related, like most people your first comment has to be "housing prices are crazy" followed by "I hear people in San Jose are paying over a million for a small two-bedroom home" followed again by "Housing pric