Guest Columnist

As we write this month’s article, we are facing a sea of uncertainty. First and foremost, we understand yours and your loved one’s physical health is of primary concern. However, we wanted to use this article to discuss a few tips and resources to...

Happy New Year! January is the eighth annual Positive Parenting Awareness Month in Santa Cruz County. Although parenting is a non-stop job that deserves recognition every day of the year, this month is an opportunity to reflect on what it means to be a...

Santa Cruz County Supervisor Zach Friend holds his son Elliott while speaking at the Aptos Chamber of Commerce's monthly breakfast meeting on Jan. 11. Friend touched on topics such as transportation, traffic and housing, mentioning that residents have to earn $70,000 a year to afford a two-bedroom apartment in Santa Cruz County. He encouraged residents to get involved and "choose the type of community you want," rather than pass on responsibility to future generations. "You may feel like, individually, you cannot make a significant difference on the way the community's trajectory will go," Friend said. "But I also know that if each one of us even did something small, the sum of all of those things will be more change than any of us would ever have been able to envision." Friend was also recently appointed chair of the Board of Supervisors. Photo by Jeanie Johnson

According to reports from the Huffington Post, the number one New Year's Resolution is to lose weight. That's not surprising as they also report that about one in every three adults in this country is obese.

A Review of the Tax Cuts and Jobs Act of 2017 — At the end of 2017, Congress passed the Tax Cuts and Jobs Act. Under that piece of legislation, Congress slashed the top corporate tax rate for businesses from 35 percent down to 21 percent.

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.

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.

There are a lot of colorful names to describe suppliers of illegal booze: Rum runners (self-explanatory), moonshiners, bootleggers. What is a bootlegger? In the late 1800s, it was illegal to give Native American Indians whiskey, so traders would conceal flasks of liquor in their boot tops. Previously, we learned how prohibition helped to fund organized crime, and how otherwise law-abiding people developed a thirst for "medicinal" Scotch whiskey. But, Scotch alone does not make a well stocked bar, and not all alcohol was smuggled into the county. Gin was actually the most common liquor consumed during prohibition and much of it was produced locally.

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

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.