Which Downpayment Strategy Is Right For You?

Which Downpayment Strategy Is Right For You?

You’ve most likely heard the rule: Save for a 20-percent down payment before you buy a home. The logic behind saving 20 percent is solid, as it shows that you have the financial discipline and stability to save for a long-term goal. It also helps you get favorable rates from lenders.

But there can actually be financial benefits to putting down a small down payment—as low as three percent—rather than parting with so much cash up front, even if you have the money available.

7 Most Expensive Homes Sold In San Lorenzo Valley In 2017

7 Most Expensive Homes Sold In San Lorenzo Valley In 2017

Tucked in the redwoods of the Santa Cruz Mountains, the San Lorenzo Valley community is a hidden treasure. The area is named for the San Lorenzo River whose headwaters begin above Boulder Creek and which runs through the valley on its way to the Santa Cruz Beach Boardwalk and into the Monterey Bay. 

Much of the river valley is rural and wooded, but there are also beautiful neighborhoods, excellent schools and charming local shopping areas. 

Organic Food On A Budget

Organic Food On A Budget

Organic food usually tastes better, and is better for you, but it can also be very expensive compared to non-organic products. Organic food can cost nearly 50 percent more, thanks to the extra labor required to produce it and consumers’ demand exceeding supply.

So how do you get tasty organic food without spending a ton of extra money? Follow these tips to get more bang for your buck.

Goodbye Income Tax Deductions [infographic]

Goodbye Income Tax Deductions [infographic]

Congress has introduced a new tax reform bill in the House of Representatives that will disproportionately harm Californians. Among the many provisions in this tax reform bill is the elimination of state and local income tax deductions. That means, tax payers will no longer be able to deduct the state and local taxes they pay on their income. Take a look at how that could impact you.

Santa Cruz County Schools & Their Rankings: Should You Trust The Scores?

Santa Cruz County Schools & Their Rankings: Should You Trust The Scores?

As a parent of children in the local schools in the San Lorenzo Valley (Felton, Ben Lomond, Brookdale and Boulder Creek) I was nervous when I first saw the school rankings of the local schools. We had decided to move back here in 2011.  At the time SLV Elementary was struggling with a 6 on the ranking system. Middle of the road at best. What I quickly found out was that the score really didn't reflect that attitude of the school, the teacher's passion for their work and the level of parent involvement in the classrooms.