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Income planning. Qualifying on a home loan is a little trickier than you might think. Let me "esplain" (I grew up watching "I Love Lucy"). Let’s say you’ve been at your job for 20 years and you’re still renting your co-worker's garage. Let’s further say that your company has been asking you to work overtime and double time and you have politely declined the offer over the past few years, hey! Not having to work so much is the benefit of living in a garage. But then the unthinkable happens. You get a serious girlfriend who refuses to be sweet on you inside of a garage. You start working all the overtime and double time and even triple time (this could be a local policeman) that you can get your hands on. This is where the sins of the past come to haunt you. The bank will only count overtime if you worked it for two years continually, it doesn’t matter that it's always been there for you. Thinking you can afford more in the moment is an easy pitfall to fall into, I can help you avoid such an embarrassment by letting you know what you actually qualify for and not what you figured you did.

If you have lived in this county for any amount of time, you may have noticed Ledyard trucks delivering food and restaurant supplies. I did not make the connection between the two names until I received a book for the Aptos History Museum entitled, "Aptos was Idyllic," written by Dr. David Glass. It is the story of his childhood, growing up in Ledyard Acres in the middle of the last century. It is a wonderful little book.

Photo by LIFE photographer Tarmo Hannula These men enjoy a visit to Rio del Mar State Beach Thursday during a king tide. Meteorologist Scott Rowe of the National Weather Service Monterey said there is also a chance of some coastal flooding with a chance of rain Thursday evening and into next week. Rowe said beach visitors should be cautious as they get near the shore.

In June 2016, the Santa Cruz Playground Project embarked on a two-year capital campaign to raise nearly $2 million for an inclusive playground. Named LEO’s Haven, the playground, designed in a way so a child with a disability can play side-by-side with their friends, will be built at Chanticleer Park in Live Oak.

County businesses, civic, community leaders and activists gathered for a luncheon on Nov. 2 at Twin Lakes Church in Aptos to launch the annual campaign.

“Rachel is an outstanding individual," Agri-Culture President Steve Bontadelli said. "She is a well-rounded person who has participated in several organizations including 4-H. She will be a great addition to our agriculture community when she returns from college.” Rachel Hodder was awarded Agri-Culture’s 2017 Jeannie Witmer Memorial Scholarship. Contributed photo

NBA G League President Malcolm Turner speaks during a luncheon at the Seascape Resort recently. Photo by Mark Stover

Rudy Escalante is shown in 2012 as the new Capitola Police Chief. Escalante was recently named the CEO of Janus of Santa Cruz. File photo by Tarmo Hannula

There were several events special for the fair’s opening day. As per tradition, the Santa Cruz County Farm Bureau and the Watsonville Firefighters Association hosted the Opening Day Barbecue in Paddy Smith Park. People enjoyed a lunch of tri-tip, salad and garlic bread while South Bay Swing Band performed nearby on the Amphitheater Stage.

Watsonville artist Bonni Carver heads up a painting class recently on the cliffs above the sea at La Selva Beach. Photo by Tarmo Hannula