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Oct 25th
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GT Columns

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What the New Mortgage Guidelines Mean for You

What the New Mortgage Guidelines Mean for You

By Suzy Rodoni

There’s been a lot of discussion about the new mortgage guidelines that came into effect earlier this year. The new guidelines are part of the Dodd-Frank Act, which passed in 2010 in response to the financial crisis, and have been put into place in order to make sure that borrowers can afford to repay mortgages. The question most people have is whether or not the new guidelines will make it more difficult to acquire a mortgage. Having spent over twenty years as a lender, I follow guideline changes very closely, and, although I think it’s important for buyers to understand the new guidelines, I don’t believe the guidelines will make it harder to qualify for a mortgage.

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Astrology

Aquarius, Waters of Life

Aquarius, Waters of Life

The Sun is in Aquarius. The new Age is the Age of Aquarius. Humanity is Aquarius. The New Group of World Servers, at the threshold of each morning, stands together calling humanity’s Soul forth. Aquarius, the Water Bearer, “waters of life poured forth for thirsty humanity,” expresses the Soul of Humanity. The characteristics, qualities and nature of Aquarius (the Age of) leading humanity toward its collective purpose the next 2,000 years. Aquarius will color and impulse all activities, directing humanity to the Path of Return.

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Local Talk

What is your advice, or hope, for the new City of Santa Cruz Water Director Rosemary Menard?

What is your advice, or hope, for the new City of Santa Cruz Water Director Rosemary Menard?

I hope that she, when thinking about it, thinks long term.

Allison Harre
Santa Cruz | Psychotherapist

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Editors Note

From The Editor

From The Editor

Plus Letters To the Editor


A 106-room hotel, business, traffic, safety issues and more seem to have collided recently as plans to erect the Hyatt Place Hotel in the Lower Ocean Street neighborhood of Santa Cruz move forward. It’s all captured in this week’s main news story, beginnning on page 6. A number of locals claim that they were not given enough say in the matter when the planning of the hotel was discussed in a recent community meeting. On the flipside, the project would usher in the first Hyatt hotel in Santa Cruz. Read on—there’s more to absorb. And send us your thoughts to [email protected]

 

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Astrology

White Magic, David Spangler & More

White Magic, David Spangler & More

Event! Our Esoteric Astrological Institute will participate in Santa Cruz Museum of Art & History’s Third Friday Event (Magic!) between 4-8 p.m. Jan. 17. Our Theme is “White Magic.” Come see us!
Now turning our attention to the waters of the world. There’s been a controversy concerning the safety of the Fukushima radiation pouring into the Pacific, affecting the West Coast, the fish, all life forms and the jet stream. As the Fukushima (pro/con) discussions continued, a quiet and very unusual message appeared last week on Facebook from author, spiritual teacher, Findhorn Fellow David Spangler, (davidspangler.com).

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Editors Note

From The Editor

From The Editor

Plus Letters To the Editor


Bigger, they often say, is better. There’s Big Mac, Big Money and a gaggle of other bigs out there (Big Trouble?). But what about Big Data? It may be challenging to wrap one’s mind around the concept, but as the world heads deeper into the the higher realms of technology,  large and complex quantities of digitally stored information is suddenly capturing some attention. But how does it all get harnessed? It is one of the things that Staff Writer Joel Hersch explores in this week’s cover. Timely—after all, data is so quickly produced and stored these days. But take note that the article also asks: At what point does Big Data become too big? Read on ...

 

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Local Talk

What does the term, ‘take back Santa Cruz’ mean to you?

What does the term, ‘take back Santa Cruz’ mean to you?

Taking back Santa Cruz means feeling more safe on our streets in the night, being able to be out with our families and our friends in the evening and not worrying about getting hurt, or attacked, or being in our parks after sunset without worrying about what we might find. I've been at a lot of parks with my niece and found a lot of needles in the sand. So, not having to worry so much about what we’re doing and just enjoying our lives more.

Hillary Anderson
Santa Cruz | Waitress/Student






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Sponsored Columns

Crime Time: You Should Hire a DUI Lawyer—Even for Your First Offense

Crime Time: You Should Hire a DUI Lawyer—Even for Your First Offense

By Lars Shallberg, Surf City Criminal Defense

There’s really no debate on this: if a person is charged with a DUI which also alleges prior convictions, they need a DUI lawyer. Period. Maybe the more interesting question arises when a person is charged with a first offense DUI. Those folks may find themselves thinking, “Hey, it’s a just first offense, there are going to be mandatory fines, a mandatory alcohol program, and probably some sort of license restriction. I can handle this.”

 

lt’s not that simple, though.

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Astrology

Lost Am I in Light Supernal

Lost Am I in Light Supernal

We’re under the Light of Capricorn, the Light of Initiation. Capricorn is the 2nd of “two gates”—Cancer (Gate into matter [womb]) and Capricorn (Gate back to Spirit). In Capricorn we’re unicorns (holy ones) on the mountaintop (high holy place of the Mind). At first in Capricorn we’re sea goats (makara, water/earth creatures), then mountain goats. Later, reaching the Capricorn mountaintop, under the Rising Sun, we become unicorns.

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Editors Note

From The Editor

From The Editor

Plus Letters To the Editor


Time, as they say, marches on. But what happens when you run out of time? That idea is explored to rewarding ends in Cabrillo Stage’s “Lunch,” reviewed this week by Lisa Jensen. The show marks a festive kickoff for Cabrillo Stage this year, but also for 2014 itself, where no doubt many of us ponder fresh starts, new beginnings and all the renewal that promises to come with it.

 

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Santa Cruz Restaurant Week

A huge part of Santa Cruz Restaurant Week has always been about offering a great dining experience for an affordable price. For some locals, the $25 flat-rate cost has provided the opportunity (or the excuse!) to try new spots, and indulge in Santa Cruz fine dining in a way they might have thought too pricey before.

 

Scorpio Sun, New Moon Eclipse, Mercury Direct

The Sun enters Scorpio’s mysteries Thursday under a new moon and partial solar eclipse (something essential has come to an end, its purpose completed). In Scorpio we harbor secrets, are devoted to something deep, dark and hidden. Sometimes it’s ourselves. We can bring great suspect to our assessment of others. Scorpio is the scorpion, the serpent and the eagle—three levels of development. As the serpent we take shelter in our beliefs. Sometimes we bite (or sting). The eagle vanquishes old beliefs through its sharp intellect, soaring high in the air, seeking to understand through perspective. Understanding releases us from the bondage of fear. The eagle is like the mother soothing feelings of mistrust, offering protection. Knowledge does this, too.

 

The New Tech Nexus

Community leaders in science and technology unite to form web-based networking program

 

Light Humor

College comedy questions a post-racial America in ‘Dear White People’
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Back Porch

Austin Kaye on backyard dinners and why it’s his favorite time of year to be a chef

 

What’s the most outrageous situation you ever saw at a restaurant?

Damani Thomas, Santa Cruz, Chef/Owner

 

Wine Lust

The Spanish Godello grape, plus arancinis, tender butter lettuce and pork schnitzel at Soif

 

What artist or artists participating in the encore weekend of Open Studios should not be missed?

Santa Cruz | Teacher