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October 18, 2025

Water, water everywhere | History Corner

Every winter, the people who live and work in the flats of Rio Dell Mar experience flooding in the streets and in their yards. Every winter, news reporters descend on the area to cover the events. This year, one reporter asked me about the...

The role of the Federal Reserve

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.

Preparing for winter rains

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.

Ask Nicole: We are all Michelle Obama

I recently listened to Michelle Obama’s book, Becoming. I was fascinated by her life and the depth of skills and experience she had before becoming the First Lady.

Key provisions of the Tax Cuts and Jobs Act of 2017

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.

Pandemic personal finance plan

croxall financial help
The coronavirus pandemic has created a lot of uncertainty and has also put financial plans to the test. As we continue to navigate these tumultuous times, it’s important to continue to have a game plan in place for things we can control to help...

End of year checklist

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.”

Ask Nicole: Screen Time in Summertime

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.

Gentlemen Only, Ladies Forbidden

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.

Understanding Your Credit Score

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.