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Arlene Friedman

Arizona Homeowner October | 2010

Associate Broker

Established & Recognized

REVERSE MORTGAGES: THE FACTS

So, what exactly is a reverse mortgage? Simply put, it’s a loan that allows homeowners aged 62 or older to tap into the equity that’s been built up in their home. The homeowners can then use the proceeds in a variety of ways – such as covering monthly living expenses, making improvements to the home or paying for prescriptions and healthcare. There are other important benefits as well: • The borrower continues to own and live in the home – even if one of the co-borrowers passes away. Of course, the homeowners must continue to pay property taxes, have homeowners insurance and maintain the home, but the proceeds from the reverse mortgage can be used to pay for these routine expenses. • No repayment is required until the borrower sells the house or does not live in the house for more than 12 months. When the house is sold, the loan is repaid along with accrued interest. If the borrower leaves the house for more than 12 months, such as for a stay at a nursing home facility, then the loan also becomes due. • There are no monthly payments required. Although there are monthly mortgage payments, interest accrues on the portion of the loan amount disbursed. And while the funds received from a reverse mortgage do not impact regular Social Security or Medicare benefits, certain needs-based benefits, such as Medicaid and Supplement Security Income (SSI) may be affected. Prospective borrowers should contact their tax professional about their specific situation. • A prospective borrower can still qualify, even if he or she is still paying on a conventional mortgage. The proceeds from reverse mortgage will be used to first pay off the existing mortgage. • Closing costs can be rolled into the reverse mortgage itself, so there’s no immediate financial impact to contend with. • Borrowers have a choice of how they receive their proceeds, based on their needs and preferences. They can choose: — A single lump sum payment — Monthly income for as long as they live in the home, or, if they prefer, for a specified period of time — A line of credit they can draw on as needed — Any combination of these options A reverse mortgage can make all the difference, and help you to live better today and be more prepared for the future. I’m here to answer your questions about buying and selling. I can offer you a free analysis of your home’s value as well as guide you to exceptional purchase opportunities. Please call and we can discuss your specific goals and how I can help you to achieve them.

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Metro Phoenix Population Projections MPA Avondale Buckeye Carefree Cave Creek Chandler County Areas El Mirage Fountain Hills Gila Bend Gila River Gilbert Glendale Goodyear Guadalupe Litchfield Park Mesa Paradise Valley Peoria Phoenix Queen Creek Salt River Scottsdale Surprise Tempe Tolleson Wickenburg Youngtown Total

Total Resident Population 2000 37,800 16,700 3,000 3,900 185,300 85,300 8,700 20,500 2,300 2,700 119,200 230,300 21,200 5,200 3,800 441,800 14,100 114,100 1,350,500 7,400 6,500 204,300 37,700 158,900 5,000 7,400 3,000 3,096,600

Total Resident Population 2010 82,100 58,600 4,000 5,100 260,000 92,900 29,700 24,700 2,800 3,200 202,800 290,400 61,300 5,200 7,000 537,900 15,200 160,800 1,700,300 18,900 7,400 253,100 115,200 176,400 6,100 7,700 5,400 4,134,400

If your home is currently listed, this is not a solicitation for that listing.

Total Resident Population 2030 161,400 380,600 4,900 12,900 288,600 138,000 33,100 30,700 17,800 5,200 290,500 312,200 330,400 5,600 14,200 647,800 15,900 253,400 2,187,500 88,100 7,500 292,700 395,500 196,700 6,300 16,000 6,600 6,140,000

Colin Powell’sRules

1. It ain’t as bad as you think. It will look better in the morning.

8. Check small things.

2. Get mad, then get over it.

10. Remain calm. Be kind.

4. It can be done!

• Associate Broker • Graduate Realtor Institute • Who’s Who in Residential Real Estate in North America • Lifetime Member Phoenix Board President’s Roundtable • Lifetime Member Scottsdale Board Million Dollar Club

Total Resident Population 2025 141,600 275,500 4,800 9,800 287,000 124,600 32,200 30,400 12,500 4,700 281,900 309,800 247,400 5,500 13,700 630,300 15,800 232,200 2,101,600 73,100 7,500 289,600 312,300 192,700 6,200 14,800 6,300 5,644,000

Source: Maricopa Association of Governments, Interim Projections

3. Avoid having your ego so close to your position that when your position fails, your ego goes with it.

Business: 480.998.0676 Cell: 602.549.9114 ArleneFriedman@cox.net

Total Resident Population 2020 122,500 153,400 4,800 5,800 286,600 109,900 31,400 30,400 6,000 4,200 280,300 308,100 161,100 5,500 13,700 617,800 15,700 206,600 2,022,500 58,300 7,500 287,300 213,300 189,200 6,200 10,000 6,200 5,164,100

5. Be careful what you choose, you may get it. 6. Don’t let adverse facts stand in the way of a good decision. 7. You can’t make someone else’s choices. You shouldn’t let someone else make yours.

9. Share credit. 11. Have a vision. 12. Be demanding. 13. Don’t take counsel of your fears and naysayers. 14. Perpetual optimism is a force multiplier. 15. You never know what you can get away with unless you try.

Produced by Desert Lifestyle Publishing • 480.460.0996 • www.DesertLifestyle.net

A Guide to Viewing Fall Foliage

your home

Inspirations for Getting Organized

comfort food with a contemporary twist

Café ZuZu’s Short Ribs


Event Calendar October 2010

Prokofiev’s Romeo and Juliet Symphony Hall, October 7th – 9th 602.495.1117 | PhoenixSymphony.org Marvel as The Phoenix Symphony magically brings two masterpieces to life during the Rediscovered Masters series featuring Romeo and Juliet and Hans Krasa’s Brundibar. Complementing the symphony during this series is The Phoenix Symphony’s Chorus as well as The Phoenix Boys Choir. Illustrator Maurice Sendak’s enchanting images from his most recently published children’s book will also accompany the performance. Jerry Seinfield Dodge Theatre, October 9th 602.379.2800 | LiveNation.com You still laugh along every night on syndicated TV, now don’t miss a rare opportunity to see this comical genius perform live during his North American tour. Seinfield has made his mark in pop-culture history with his unique and distinguishable brand of humor. Come see what’s new in “Jerry’s world.” Susan G. Komen Race for the Cure State Capital District, October 10th 602.544.2873 | KomenPhoenix.org Join in the fight against breast cancer with the largest 5K event in Arizona. As a runner/walker, you’ll be part of a vast group of those in support of finding a cure for this disease. You may sign up to run in memoriam of a lost loved one, or in celebration of a brave survivor. Before and after the race, enjoy the multitude of booths and exhibits that will have information, freebies and goodies. Disney’s Beauty and the Beast ASU Gammage, October 19th – 24th 480.965.5062 | ASUGammage.com This Academy-Award winning Disney hit is brought to life on stage in a captivating and delightful presentation. One of life’s best lessons is learned in the tale of a girl who dares to look past a man’s beastly exterior and love the true prince inside. Dazzle at the exquisite sets and costumes, and sing along to all your favorite musical numbers such as Be Our Guest and the self-titled number Beauty and the Beast. The 9th Annual First Press Weekend of Wine The Musical Instrument Museum, October 29th 480.774.8466 | FirstPressArizona.com Sip, mix and mingle at the spirited Grand Tasting featuring more than 100 celebrated wines. Watch local chefs enter culinary battle to claim the championship plate at the 4th annual Food Fight. Delight in mouth-watering culinary treats all while taking in the inspiring visuals of the Musical Instrument Museum. The MIM houses a collection of over 10,000 instruments from around the world, nearly 300 multisensory exhibits and a 299-seat MIM Music Theater.

TACKLING HOME ORGANIZATION TASKS With the dog days of summer behind us, now is the perfect time to tackle those jobs you’ve been putting off for months. Ahem, for example, have you looked in your closets lately? Here are some tips on organizing all those messy places, from harrowing hallway and linen closets to packed kitchen pantries and overstuffed garages. De-clutter those closets. First, it’s important to determine the purpose of the closet in question and eliminate any objects that don’t fall into that category. For example, a front hall closet should contain coats, hats, shoes, backpacks, umbrellas, and other “out-the-door” objects but not, say, toys, shopping bags, or other things that could spill out or don’t serve a purpose in that specific spot. Now it’s time to empty the closet and clean the floors and shelves. (The cleaner it is, the more likely you’ll be to keep it tidy!) Next, decide what items (if any) to toss and which to donate. Organize the remaining items into categories. For example, if you’re organizing your linen closet, sort out towels by color and size, then sort out sheets by which room or bed they belong. Sort through other items to determine if they should be in the closet or not. Before putting items back, mark the shelves with labels such as “guest towels” or “twin sheets” so you’ll be more likely to keep the closet organized when returning items from the laundry. Purchasing coordinating baskets or boxes of similar shapes and sizes to store smaller items will help to keep things tidy. Finally, consider if the closet needs some fine tuning: Do you need more shelving? Hooks to hang hard-to-find items? Would better lighting in the closet make you more inclined to keep things neat? Get the garage in tip-top shape. Garages are notorious for messes and chaos. From dirt and bugs to tools and lawn toys, this space can be, well, scary. Try taming the beast with these ideas: After sweeping and debugging the place, do a thorough sorting out (think three piles: trash, donate, and keep). Now, sort the keeps into categories: camping gear, kids’ toys, automotive care, tools, gardening, etc. Hang as much as you can (bikes and shovels and rakes) and find places for bigger items such as kid’s ride-on toys. Now, try to stash as much as you can into bins that can be marked clearly and stacked one on top of another on shelves for easy storage. Rotate what bins are most accessible by the season (keep pool supplies closest spring through summer and holiday decorations closer to the top in winter). Plan the perfect pantry. Whether you have a walk-in pantry or cabinets for your dry goods, an organized pantry makes shopping and cooking much easier. After discarding any old or nobody’s-ever-goingto-eat-this items, categorize your ingredients and place them accordingly in the pantry or in closets near to where they’ll be used. Keep pantry staples (oils, pasta, canned tomatoes and beans, etc.) at eye-level, lesser-used items lower or higher up. Think like with like. Group pastas and rices and grains together, canned and bottled soups and condiments on another shelf. Bulk items should be placed on highest shelves and reached with a step stool when needed. Gather teas together in baskets and place with tea accoutrements. Same goes for spices. Now, when it’s time for grocery shopping, you’ll be able to do a quick check on what you’re out of without having to do a lot of rummaging through shelves and drawers. Wouldn’t Martha Stewart be proud!

Your Home

Arizona may not pop into most people’s minds when they hear the words “fall foliage,” but our state is home to some of the most surprising and spectacular autumnal shows of color. Autumn in Arizona can truly be jaw-dropping—if you know where to look for the latest leaves. It’s time to lace up your boots, grab a light jacket, and head to the high country. First stop on your fall checklist are the area’s finest arboretums. The Arboretum at Flagstaff is a must for fall leaf-peepers. This 200-acre botanical garden is the place to see plenty of fall colors. It closes for the season on October 31st so be sure to visit before then. Those looking for late-season color should try the Boyce Thompson Arboretum, outside of Superior, about an hour’s drive east of Phoenix. In mid-November, the arboretum’s famous grove of Chinese pistachio trees begins to turn shades of gold, orange, and red, peaking around Thanksgiving weekend. The annual Fall Foliage Finale Festival, November 27th and 28th, offers live music and events daily (check http://cals.arizona.edu/ bta/ for updated information). Color continues at the Arboretum through December. Take that, Vermont! Our state’s National Forests provide the perfect backdrop for a fall flash of color. In the Coconino National Forest, look for golden aspens, amber oaks, and scarlet maples on the mountains, meadows, and canyons. Fall colors can begin as early as midSeptember and last through mid-November, with the best showing around the second week of October. Some foliage hot spots in mid-October are the San Francisco Peaks north of Flagstaff for golden aspen leaf color and the West Fork of Oak Creek Canyon north of Sedona. Flagstaff’s Snowbowl Ski Resort offers a breathtaking Skyride where you’ll ascend to over 13,000

feet in elevation with a plethora of colorful leaves as your serene scenery. Visit ArizonaSnowbowl.com for details. The Apache and Sitgreaves National Forests offer two million acres (that’s right, we said million!) of mountain country in east-central Arizona. Leaf colors fade in this area by the end of October, so get there early. And if you’re able to head a bit farther north, Kaibab National Forest offers ample leaf-viewing opportunities, as well. If you’re out viewing the weekend of Halloween, your best bet might be the central and southern Arizona mountain ranges (the Pinals near Globe and the Catalinas near Tucson) for maples turning gorgeous hues of red. Yavapai County in central Arizona is home to the Verde Canyon Railroad which offers their Fall Colors Tour October through November. Ride the rails in style while catching sight of the rich ambers, golds and copper hues blanketing the scenic Verde Canyon. Fall is also a time when the local wildlife is more active and visible to train passengers as well. Log onto VerdeCanyonRR.com to learn more. Of course, no reference of Arizona and fall foliage would be complete without mentioning the Grand Canyon. Autumn is the perfect time to visit the North Rim. Expect splendid color from the aspen, oak, and birch trees, with the glory of the revered Grand Canyon as your backdrop. Plan your trip well and remember the North Rim is about a seven-and-a-half-hour drive from Phoenix. For updated fall color reports, call the US Forest Service’s hotline at 800.354.4595. Don’t forget the camera and be careful driving among all the other leaf “lookie loos” on the mountain roads!

PHOTOGRAPHING NATURE’S GRANDEUR THIS FALL? TRY THESE TIPS TO GET THE PERFECT PICS. Shoot in the early morning or early evening. The bright light of midday can make photos look harsh. Even better: Plan to shoot the half hour before and after sunrise and sunset. You’ll have richer colors and deeper shadows to add interest to your photos. Get close. Zoom in on leaves to showcase extraordinary details. Go for contrast. Look for colors set against evergreens for photos that really pop. Hope for a storm. Shooting during or right after a storm can result in dramatic images. Wet leaves and wet surrounding surfaces tend to be more vibrant and intense. Compose, compose, compose. Try to set up your shot with something in the foreground, middle ground and background. Move around as you compose. Sometimes a few steps can make the difference between so-so and spectacular.

BRAISED BEEF SHORTRIBS Ingredients: 6 oz. olive oil 24 large, meaty beef short ribs, cut in half 6 small onions, peeled and chopped 6 carrots, peeled and chopped 6 celery stalks, chopped

Local Flavor!

Pumpkin and Chili Party Schnepf Farms, Thursdays – Sundays in October 480.987.3100 | SchnepfFarms.com Ahh – fall is finally here! Make the annual trek to this celebrationof-the-season part of your family’s tradition. Autumn-themed games and entertainment include hay rides, the 10-acre celebrity corn maze, live music, carnival rides, pony rides and of course, picking out that perfect pumpkin. Bring your appetite for tons of delectable seasonal treats.

Featuring Café ZuZu 480.421.7997 | HotelValleyHo.com

18 garlic cloves 30 fresh thyme sprigs 1 3/4 gal. brown veal stock 4 Italian parsley bunches 1 fresh bay leaf

Procedure: 1. Heat oven to 350 degrees. Heat the oil in a large pan over medium-high heat until it shimmers. Salt and pepper the ribs and cook them, in batches, until they are nicely browned on all sides, about 20 minutes. 2. Remove the ribs and add the onion, carrot, celery, garlic, sprigs of thyme, salt and pepper to the skillet. Continue cooking until the vegetables are tender and browned, about 10 minutes more. 3. Transfer the vegetables to roasting pans and evenly distribute the Italian parsley over the top. Add the short ribs and enough stock to come up the sides but not over the ribs. Bring the braising liquid to a simmer. Add the remaining thyme and bay leaf then transfer to the oven and cook at a very gentle simmer (just an occasional bubble) for 1 hour. Turn the ribs and continue cooking until the meat is tender and comes easily away from the bone, about 1 1/2 hours more. 4. Transfer the ribs to a sheet pan with parchment. Strain the braising liquid, bring to a simmer and skim off the fat. Reduce the liquid slightly (just so it has a little body), then return the ribs to the braising liquid. 5. Simmer just long enough to reheat the ribs, and then serve. Yields: 24


Event Calendar October 2010

Prokofiev’s Romeo and Juliet Symphony Hall, October 7th – 9th 602.495.1117 | PhoenixSymphony.org Marvel as The Phoenix Symphony magically brings two masterpieces to life during the Rediscovered Masters series featuring Romeo and Juliet and Hans Krasa’s Brundibar. Complementing the symphony during this series is The Phoenix Symphony’s Chorus as well as The Phoenix Boys Choir. Illustrator Maurice Sendak’s enchanting images from his most recently published children’s book will also accompany the performance. Jerry Seinfield Dodge Theatre, October 9th 602.379.2800 | LiveNation.com You still laugh along every night on syndicated TV, now don’t miss a rare opportunity to see this comical genius perform live during his North American tour. Seinfield has made his mark in pop-culture history with his unique and distinguishable brand of humor. Come see what’s new in “Jerry’s world.” Susan G. Komen Race for the Cure State Capital District, October 10th 602.544.2873 | KomenPhoenix.org Join in the fight against breast cancer with the largest 5K event in Arizona. As a runner/walker, you’ll be part of a vast group of those in support of finding a cure for this disease. You may sign up to run in memoriam of a lost loved one, or in celebration of a brave survivor. Before and after the race, enjoy the multitude of booths and exhibits that will have information, freebies and goodies. Disney’s Beauty and the Beast ASU Gammage, October 19th – 24th 480.965.5062 | ASUGammage.com This Academy-Award winning Disney hit is brought to life on stage in a captivating and delightful presentation. One of life’s best lessons is learned in the tale of a girl who dares to look past a man’s beastly exterior and love the true prince inside. Dazzle at the exquisite sets and costumes, and sing along to all your favorite musical numbers such as Be Our Guest and the self-titled number Beauty and the Beast. The 9th Annual First Press Weekend of Wine The Musical Instrument Museum, October 29th 480.774.8466 | FirstPressArizona.com Sip, mix and mingle at the spirited Grand Tasting featuring more than 100 celebrated wines. Watch local chefs enter culinary battle to claim the championship plate at the 4th annual Food Fight. Delight in mouth-watering culinary treats all while taking in the inspiring visuals of the Musical Instrument Museum. The MIM houses a collection of over 10,000 instruments from around the world, nearly 300 multisensory exhibits and a 299-seat MIM Music Theater.

TACKLING HOME ORGANIZATION TASKS With the dog days of summer behind us, now is the perfect time to tackle those jobs you’ve been putting off for months. Ahem, for example, have you looked in your closets lately? Here are some tips on organizing all those messy places, from harrowing hallway and linen closets to packed kitchen pantries and overstuffed garages. De-clutter those closets. First, it’s important to determine the purpose of the closet in question and eliminate any objects that don’t fall into that category. For example, a front hall closet should contain coats, hats, shoes, backpacks, umbrellas, and other “out-the-door” objects but not, say, toys, shopping bags, or other things that could spill out or don’t serve a purpose in that specific spot. Now it’s time to empty the closet and clean the floors and shelves. (The cleaner it is, the more likely you’ll be to keep it tidy!) Next, decide what items (if any) to toss and which to donate. Organize the remaining items into categories. For example, if you’re organizing your linen closet, sort out towels by color and size, then sort out sheets by which room or bed they belong. Sort through other items to determine if they should be in the closet or not. Before putting items back, mark the shelves with labels such as “guest towels” or “twin sheets” so you’ll be more likely to keep the closet organized when returning items from the laundry. Purchasing coordinating baskets or boxes of similar shapes and sizes to store smaller items will help to keep things tidy. Finally, consider if the closet needs some fine tuning: Do you need more shelving? Hooks to hang hard-to-find items? Would better lighting in the closet make you more inclined to keep things neat? Get the garage in tip-top shape. Garages are notorious for messes and chaos. From dirt and bugs to tools and lawn toys, this space can be, well, scary. Try taming the beast with these ideas: After sweeping and debugging the place, do a thorough sorting out (think three piles: trash, donate, and keep). Now, sort the keeps into categories: camping gear, kids’ toys, automotive care, tools, gardening, etc. Hang as much as you can (bikes and shovels and rakes) and find places for bigger items such as kid’s ride-on toys. Now, try to stash as much as you can into bins that can be marked clearly and stacked one on top of another on shelves for easy storage. Rotate what bins are most accessible by the season (keep pool supplies closest spring through summer and holiday decorations closer to the top in winter). Plan the perfect pantry. Whether you have a walk-in pantry or cabinets for your dry goods, an organized pantry makes shopping and cooking much easier. After discarding any old or nobody’s-ever-goingto-eat-this items, categorize your ingredients and place them accordingly in the pantry or in closets near to where they’ll be used. Keep pantry staples (oils, pasta, canned tomatoes and beans, etc.) at eye-level, lesser-used items lower or higher up. Think like with like. Group pastas and rices and grains together, canned and bottled soups and condiments on another shelf. Bulk items should be placed on highest shelves and reached with a step stool when needed. Gather teas together in baskets and place with tea accoutrements. Same goes for spices. Now, when it’s time for grocery shopping, you’ll be able to do a quick check on what you’re out of without having to do a lot of rummaging through shelves and drawers. Wouldn’t Martha Stewart be proud!

Your Home

Arizona may not pop into most people’s minds when they hear the words “fall foliage,” but our state is home to some of the most surprising and spectacular autumnal shows of color. Autumn in Arizona can truly be jaw-dropping—if you know where to look for the latest leaves. It’s time to lace up your boots, grab a light jacket, and head to the high country. First stop on your fall checklist are the area’s finest arboretums. The Arboretum at Flagstaff is a must for fall leaf-peepers. This 200-acre botanical garden is the place to see plenty of fall colors. It closes for the season on October 31st so be sure to visit before then. Those looking for late-season color should try the Boyce Thompson Arboretum, outside of Superior, about an hour’s drive east of Phoenix. In mid-November, the arboretum’s famous grove of Chinese pistachio trees begins to turn shades of gold, orange, and red, peaking around Thanksgiving weekend. The annual Fall Foliage Finale Festival, November 27th and 28th, offers live music and events daily (check http://cals.arizona.edu/ bta/ for updated information). Color continues at the Arboretum through December. Take that, Vermont! Our state’s National Forests provide the perfect backdrop for a fall flash of color. In the Coconino National Forest, look for golden aspens, amber oaks, and scarlet maples on the mountains, meadows, and canyons. Fall colors can begin as early as midSeptember and last through mid-November, with the best showing around the second week of October. Some foliage hot spots in mid-October are the San Francisco Peaks north of Flagstaff for golden aspen leaf color and the West Fork of Oak Creek Canyon north of Sedona. Flagstaff’s Snowbowl Ski Resort offers a breathtaking Skyride where you’ll ascend to over 13,000

feet in elevation with a plethora of colorful leaves as your serene scenery. Visit ArizonaSnowbowl.com for details. The Apache and Sitgreaves National Forests offer two million acres (that’s right, we said million!) of mountain country in east-central Arizona. Leaf colors fade in this area by the end of October, so get there early. And if you’re able to head a bit farther north, Kaibab National Forest offers ample leaf-viewing opportunities, as well. If you’re out viewing the weekend of Halloween, your best bet might be the central and southern Arizona mountain ranges (the Pinals near Globe and the Catalinas near Tucson) for maples turning gorgeous hues of red. Yavapai County in central Arizona is home to the Verde Canyon Railroad which offers their Fall Colors Tour October through November. Ride the rails in style while catching sight of the rich ambers, golds and copper hues blanketing the scenic Verde Canyon. Fall is also a time when the local wildlife is more active and visible to train passengers as well. Log onto VerdeCanyonRR.com to learn more. Of course, no reference of Arizona and fall foliage would be complete without mentioning the Grand Canyon. Autumn is the perfect time to visit the North Rim. Expect splendid color from the aspen, oak, and birch trees, with the glory of the revered Grand Canyon as your backdrop. Plan your trip well and remember the North Rim is about a seven-and-a-half-hour drive from Phoenix. For updated fall color reports, call the US Forest Service’s hotline at 800.354.4595. Don’t forget the camera and be careful driving among all the other leaf “lookie loos” on the mountain roads!

PHOTOGRAPHING NATURE’S GRANDEUR THIS FALL? TRY THESE TIPS TO GET THE PERFECT PICS. Shoot in the early morning or early evening. The bright light of midday can make photos look harsh. Even better: Plan to shoot the half hour before and after sunrise and sunset. You’ll have richer colors and deeper shadows to add interest to your photos. Get close. Zoom in on leaves to showcase extraordinary details. Go for contrast. Look for colors set against evergreens for photos that really pop. Hope for a storm. Shooting during or right after a storm can result in dramatic images. Wet leaves and wet surrounding surfaces tend to be more vibrant and intense. Compose, compose, compose. Try to set up your shot with something in the foreground, middle ground and background. Move around as you compose. Sometimes a few steps can make the difference between so-so and spectacular.

BRAISED BEEF SHORTRIBS Ingredients: 6 oz. olive oil 24 large, meaty beef short ribs, cut in half 6 small onions, peeled and chopped 6 carrots, peeled and chopped 6 celery stalks, chopped

Local Flavor!

Pumpkin and Chili Party Schnepf Farms, Thursdays – Sundays in October 480.987.3100 | SchnepfFarms.com Ahh – fall is finally here! Make the annual trek to this celebrationof-the-season part of your family’s tradition. Autumn-themed games and entertainment include hay rides, the 10-acre celebrity corn maze, live music, carnival rides, pony rides and of course, picking out that perfect pumpkin. Bring your appetite for tons of delectable seasonal treats.

Featuring Café ZuZu 480.421.7997 | HotelValleyHo.com

18 garlic cloves 30 fresh thyme sprigs 1 3/4 gal. brown veal stock 4 Italian parsley bunches 1 fresh bay leaf

Procedure: 1. Heat oven to 350 degrees. Heat the oil in a large pan over medium-high heat until it shimmers. Salt and pepper the ribs and cook them, in batches, until they are nicely browned on all sides, about 20 minutes. 2. Remove the ribs and add the onion, carrot, celery, garlic, sprigs of thyme, salt and pepper to the skillet. Continue cooking until the vegetables are tender and browned, about 10 minutes more. 3. Transfer the vegetables to roasting pans and evenly distribute the Italian parsley over the top. Add the short ribs and enough stock to come up the sides but not over the ribs. Bring the braising liquid to a simmer. Add the remaining thyme and bay leaf then transfer to the oven and cook at a very gentle simmer (just an occasional bubble) for 1 hour. Turn the ribs and continue cooking until the meat is tender and comes easily away from the bone, about 1 1/2 hours more. 4. Transfer the ribs to a sheet pan with parchment. Strain the braising liquid, bring to a simmer and skim off the fat. Reduce the liquid slightly (just so it has a little body), then return the ribs to the braising liquid. 5. Simmer just long enough to reheat the ribs, and then serve. Yields: 24


Arlene Friedman

Arizona Homeowner October | 2010

Associate Broker

Established & Recognized

REVERSE MORTGAGES: THE FACTS

So, what exactly is a reverse mortgage? Simply put, it’s a loan that allows homeowners aged 62 or older to tap into the equity that’s been built up in their home. The homeowners can then use the proceeds in a variety of ways – such as covering monthly living expenses, making improvements to the home or paying for prescriptions and healthcare. There are other important benefits as well: • The borrower continues to own and live in the home – even if one of the co-borrowers passes away. Of course, the homeowners must continue to pay property taxes, have homeowners insurance and maintain the home, but the proceeds from the reverse mortgage can be used to pay for these routine expenses. • No repayment is required until the borrower sells the house or does not live in the house for more than 12 months. When the house is sold, the loan is repaid along with accrued interest. If the borrower leaves the house for more than 12 months, such as for a stay at a nursing home facility, then the loan also becomes due. • There are no monthly payments required. Although there are monthly mortgage payments, interest accrues on the portion of the loan amount disbursed. And while the funds received from a reverse mortgage do not impact regular Social Security or Medicare benefits, certain needs-based benefits, such as Medicaid and Supplement Security Income (SSI) may be affected. Prospective borrowers should contact their tax professional about their specific situation. • A prospective borrower can still qualify, even if he or she is still paying on a conventional mortgage. The proceeds from reverse mortgage will be used to first pay off the existing mortgage. • Closing costs can be rolled into the reverse mortgage itself, so there’s no immediate financial impact to contend with. • Borrowers have a choice of how they receive their proceeds, based on their needs and preferences. They can choose: — A single lump sum payment — Monthly income for as long as they live in the home, or, if they prefer, for a specified period of time — A line of credit they can draw on as needed — Any combination of these options A reverse mortgage can make all the difference, and help you to live better today and be more prepared for the future. I’m here to answer your questions about buying and selling. I can offer you a free analysis of your home’s value as well as guide you to exceptional purchase opportunities. Please call and we can discuss your specific goals and how I can help you to achieve them.

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Metro Phoenix Population Projections MPA Avondale Buckeye Carefree Cave Creek Chandler County Areas El Mirage Fountain Hills Gila Bend Gila River Gilbert Glendale Goodyear Guadalupe Litchfield Park Mesa Paradise Valley Peoria Phoenix Queen Creek Salt River Scottsdale Surprise Tempe Tolleson Wickenburg Youngtown Total

Total Resident Population 2000 37,800 16,700 3,000 3,900 185,300 85,300 8,700 20,500 2,300 2,700 119,200 230,300 21,200 5,200 3,800 441,800 14,100 114,100 1,350,500 7,400 6,500 204,300 37,700 158,900 5,000 7,400 3,000 3,096,600

Total Resident Population 2010 82,100 58,600 4,000 5,100 260,000 92,900 29,700 24,700 2,800 3,200 202,800 290,400 61,300 5,200 7,000 537,900 15,200 160,800 1,700,300 18,900 7,400 253,100 115,200 176,400 6,100 7,700 5,400 4,134,400

If your home is currently listed, this is not a solicitation for that listing.

Total Resident Population 2030 161,400 380,600 4,900 12,900 288,600 138,000 33,100 30,700 17,800 5,200 290,500 312,200 330,400 5,600 14,200 647,800 15,900 253,400 2,187,500 88,100 7,500 292,700 395,500 196,700 6,300 16,000 6,600 6,140,000

Colin Powell’sRules

1. It ain’t as bad as you think. It will look better in the morning.

8. Check small things.

2. Get mad, then get over it.

10. Remain calm. Be kind.

4. It can be done!

• Associate Broker • Graduate Realtor Institute • Who’s Who in Residential Real Estate in North America • Lifetime Member Phoenix Board President’s Roundtable • Lifetime Member Scottsdale Board Million Dollar Club

Total Resident Population 2025 141,600 275,500 4,800 9,800 287,000 124,600 32,200 30,400 12,500 4,700 281,900 309,800 247,400 5,500 13,700 630,300 15,800 232,200 2,101,600 73,100 7,500 289,600 312,300 192,700 6,200 14,800 6,300 5,644,000

Source: Maricopa Association of Governments, Interim Projections

3. Avoid having your ego so close to your position that when your position fails, your ego goes with it.

Business: 480.998.0676 Cell: 602.549.9114 ArleneFriedman@cox.net

Total Resident Population 2020 122,500 153,400 4,800 5,800 286,600 109,900 31,400 30,400 6,000 4,200 280,300 308,100 161,100 5,500 13,700 617,800 15,700 206,600 2,022,500 58,300 7,500 287,300 213,300 189,200 6,200 10,000 6,200 5,164,100

5. Be careful what you choose, you may get it. 6. Don’t let adverse facts stand in the way of a good decision. 7. You can’t make someone else’s choices. You shouldn’t let someone else make yours.

9. Share credit. 11. Have a vision. 12. Be demanding. 13. Don’t take counsel of your fears and naysayers. 14. Perpetual optimism is a force multiplier. 15. You never know what you can get away with unless you try.

Produced by Desert Lifestyle Publishing • 480.460.0996 • www.DesertLifestyle.net

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