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In a Ponzi scheme, someone who claims to be a financial adviser creates the illusion he’s getting high returns for clients. Really, he’s just paying off early investors with money from new ones. He can keep the deception going for years before it collapses, leaving investors burned.

It’s July already, and plants are growing like there's no tomorrow. The hummingbirds are my constant companions in the garden, and the resident deer population comes by daily. There are two spotted fawns who now accompany their mother, along with a couple of her sisters. Life is good.

- Submit Datebook items to [email protected] or drop off press releases or photos at 5215 Scotts Valley Drive, Ste. F, Scotts Valley 95066. Deadline is 5 p.m. Tuesday. Entries are subject to editing, and publication is not guaranteed.

While I work with clients, questions often come up — some repeatedly.

- Submit Datebook items to [email protected] or drop off press releases or photos at 5215 Scotts Valley Drive, Ste. F, Scotts Valley 95066. Deadline is 5 p.m. Tuesday. Entries are subject to editing, and publication is not guaranteed.

“Up and down, Up and down, making lots of money.” That was the refrain my grandparents taught us as children as we passed by oil wells and derricks close to their farm house in the West Texas desert. The irony was that they did not get the money, though, because the family did not own the mineral rights.

Scotts Valley Exchange Club