North 32nd News, February 2021

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February 2021

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Vol. 3 • No. 10

READ STORY ON PAGE 16

YOUR GUIDE TO LOCAL FARMERS MARKETS

A round up of nearby markets, tips and tricks

In This Issue City News.............................................. 4-13 Education...................................................14 Kids’ Corner................................................15 Legal...........................................................18

Crossword................................................. 19 Real Estate.................................................21 Health................................................... 22-23 Sudoku...................................................... 24 myhyperlocalnews.com

Business Directory.............................. 26-27 Getaway.................................................... 28 Must Watch............................................... 30 Bites...........................................................31

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NORTH 32ND NEWS • February 2021 • 3

City News

New Coffee Shop Alert! Paradox Brew Opens Its Doors “COME IN FOR A CUP, LEAVE WITH A SMILE,” IS THE MOTTO OF PARADOX BREW, A NEW LOCAL COFFEE SHOP THAT JUST OPENED AT 3215 E. THUNDERBIRD ROAD. “At Paradox Brew, we offer coffee made out of a roasted bean that has been in the family since 2004,” says owner Paul Schmitz. “We also have a variety of loose-leaf teas available. We sell teas and beans as well as drinks that will amaze and satisfy your every craving. In the mood for something caffeine-free? Try one of our steamers, herbal teas or an Italian soda.”

Schmitz says that he hopes the ambiance and environment of the new coffee shop will be what keeps customers coming back. “Paradox Brew offers a warm and friendly environment where everyone is invited to stay a while and enjoy a smile,” he adds.

While they’ve been open less than a month, the response from locals who have stopped by has been positive.

“Paradox Brew is a nice local coffee shop with great coffees and a super friendly owner,” says John O., a recent customer. On Facebook, customers seem to love the chai tea as well.

Schmitz says that an official website is in the works, but for the moment, North 32nd residents can find Paradox Brew on Facebook @paradoxbrewaz and on Instagram @paradoxbrew. The shop can also be reached via e-mail at paradoxbrewaz@gmail.com.

“Find us on social media and help us spread the word that we’re here,” says Schmitz. “We are excited to be part of the local community. This is a dream years in the making.”

The Paradise Valley Mall Redevelopment Project Continues to Move Forward Contributed by the Desert Cove & Friends Block Watch THE PARADISE VALLEY MALL REDEVELOPMENT PROJECT IS STILL IN ITS PLANNING STAGES. It has been updated to include the space that Macy’s occupied and an adjacent vacant parcel of property on Cactus.

Their zoning request has been amended to C-2 High Rise with a density waiver and a special permit for self-storage.

There are opportunities in February

4 • February • NORTH 32ND NEWS

for the community to learn more about the project and share their opinions for or against the redevelopment efforts. To see meeting dates, times and how to access them, visit paradisevalleymall-zoning.com/ public-meetings.

To participate in virtual meetings, see the instructions on the agenda available on the public meeting notices website at phoenix.gov/cityclerk/ publicmeetings/notices. For questions regarding the format of these meetings, contact Village Planner David

Simmons at 602-262-4072 or david. simmons@phoenix.gov.

If you would like to give input for or against this project, North 32nd residents are encouraged to reach out to: • David Simmons with the City of Phoenix Zoning Commission at david.simmons@phoenix.gov • Ed Bull at Burch & Cracchiolo at ebull@bcattorneys.com • City Councilwoman Debra Stark at council.district.3@phoenix.gov The website for the project is

paradisevalleymall-zoning.com and it is continuously updated as the project continues to develop.

To learn more about the Desert Cove & Friends Block Watch, which is a neutral party about the redevelopment project but strives to keep the community updated, visit desertcoveandfriendsblockwatch1.com.

Editor’s Note: This information is updated as of press time (January 15).

To find out the latest news on the project, visit the project website listed above.

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City News The Arizona Tennis Association Moves to North 32nd

By Emma Wolff THE 1980S WERE A TIME OF LEGWARMERS, BIG HAIR, ROCK-AND-ROLL, AND TENNIS? Yes, tennis! Shelley Chambers and her identical twin sister, Sherri, played in the Arizona High School Tennis Championships in 1982 while attending Shadow Mountain High School. Almost 40 years later, Shelley is now a head tennis coach with the Arizona Tennis Association (ATA). Shelley’s love of the game is being passed on to all the students she teaches.

“I never expected to go back to tennis after all these years,” Shelley says. “I went to school and earned a business degree, but here I am, still on the courts! During the last 21 years coaching with the ATA, I’ve been able to share my passion with students and give them the wonderful experience I had with tennis.”

The ATA is a nonprofit organization that has something for all ages. Whether you are 4 or 74, you can take lessons, join a tennis league and have some fun. After many years, the organization is moving to a brand-new location, perfect for the residents of the North Valley.

Starting this month, the ATA will be playing on the beautiful, spacious courts of Shea Middle School, located at 2728 E Shea Boulevard.

“The ATA was founded in 1987 by four local tennis professionals and has been serving the Arizona community for over three decades. These pros had a desire to give Valley residents an option for high quality tennis lessons at an affordable cost,” says Gail Breece, ATA office manager.

For the next six weeks, Shelley and longtime ATA tennis coach Dave Thies will be conducting beginner lessons for several ages on Mondays and Wednesdays at Shea Middle School. On Tuesday and Thursdays, there will be lessons for more advanced students playing at the junior varsity and varsity levels. In addition to tennis lessons for younger students, the ATA also has adult leagues and lessons.

During COVID-19, ATA is taking safety precautions including social distancing and hand sanitizing. There is a limit of 12 students per class and six students per court in order to maintain social distance. If you are interested in signing up for lessons, act fast because classes are filling up quickly due to the size restrictions.

To learn more about the ATA, their new location, and how to sign up for lessons, visit their website at arizonatennis.org or call 480-970-0599.

There’s No Better Time To Learn To Play Tennis!

NEW Shea Middle School Lesson Location SIGN UP NOW!

First Session will be a (6) Week Program, either MONDAY or WEDNESDAY afternoons, participate 1 or 2 days per week.

SMALL CLASSES, only 12 students per class, 6 students per court, with 2 tennis professionals.

MONDAY CLASSES: FEB 22 - MARCH 29

6 Week Sessions INSTRUCTORS: Coach Shelley and Coach Lisa Age 7,8,9 Beginners • 3:30 - 4:15pm Age 10 & Up Beginners • 4:15 - 5:15pm $135 for (6) week session $180 for (6) week session

WEDNESDAY CLASSES: FEB 24 - MARCH 31

6 Week Sessions INSTRUCTORS: Coach Shelley and Coach Dave Age 7,8,9 Beginners • 3:30 - 4:15 pm Age 10 & Up Beginners • 4:15 - 5:15pm $135 for (6) week session $180 for (6) week session

Two ways to enroll:

Call 480-970-0599 or www.arizonatennis.org Spring session will be offered April 12 - May 31. Enroll online on our website. myhyperlocalnews.com

s ATA Tennis Coache ley Chambers Dave Thies & Shel NORTH 32ND NEWS • February 2021 • 5

City News

Chill Out at Fairmont Scottsdale’s New Premier Event: Winter at the Princess WINTER ISN’T OVER YET, AND THE FAIRMONT SCOTTSDALE PRINCESS IS READY TO CELEBRATE ALL THAT THE SEASON HAS TO OFFER AT WINTER AT THE PRINCESS. Guests can enjoy two different ice skating experiences, axe throwing, rides, ice mazes, inventive food and beverage options, and much more.

The event runs through March 21 from 5 – 10 p.m. on Sundays, Thursdays and Wednesdays, and 5 – 11 p.m. on Fridays and Saturdays.

Skate like no one is watching at The Rink, with 6,000 square feet of real ice with luxury VIP fire pits available for rent with food and beverage service available for outdoor dining. Shop nearby for the hottest trends at the Chalet, your ski and sun outfitter. Take a break and enjoy food, beverage and games at The Lodge, with plenty of socially distanced seating outdoors.

Dine by the fire. Try your hand at ax throwing and other outdoor games in the Lodge yard. Treat yourself to a special dessert waffle at Waffle Co., or warm up with a Flaming Coffee.

THE VILLAGE Chill to live acoustic music at Campfire Park, where complimentary fire pit seating is available to roast s’mores while enjoying warm winter beverages picked up at The Village Bar and live music. Other rides and experiences at The Village are: • Alpine Skate Trail: 5,200 square feet of a real ice trail • Snow Mountain: 120-foot ice slide • The Chair Lift: 90 foot tall, four person gondola Ferris Wheel • Ice Maze – more than 300 feet of glacier ice • Ax Throwing • Rock Climbing THE KID’S VILLAGE Young explorers ages 2-8 years old will enjoy a visit to The Kids Village, where they will meet the princess’ newest furry friend, Brrrnee the St. Bernard. Here, your pint-size adventurers will burn off some winter energy riding the Lolli Swing, Alpine Slide, The Flying Dragon, and Dizzy Dragons.

THE RINK Made with 6,000 square feet of real ice, this outdoor ice rink is surrounded by the beauty of the Scottsdale desert and starry night sky. After a day spent as king of the mountain, snuggle up fireside at the best seat in the house. Your very own private luxury rink side fire pit table awaits. Rink side fire pit rental rates vary by capacity and dates based upon demand. For more information, call 480-513-6014.

THE LODGE Enter the cozy outdoor confines of The Lodge, and you’re in for an incredible evening. Enjoy a comforting craft-inspired menu, including bacon-wrapped meatloaf, loaded waffle fries, cavatelli pasta and more. Sip

6 • February 2021 • NORTH 32ND NEWS

on scrumptious cold weather-inspired cocktails like The Avalanche and the Cranberry Mule Kick.

WAYS TO EXPERIENCE WINTER AT THE PRINCESS Book your staycation and just chill. The Winter Chill Package features a $100 daily resort credit, admission and Black Diamond Ice Passes to Winter at the Princess, and more. Other deals include an Arizona resident discount of 40 percent and/or a second night free, depending on the package.

Dine at Fairmont Scottsdale. Valet parking and admission is 50% off with a $75 minimum spend at any of the resort’s signature restaurants. Advanced reservations required via OpenTable or by calling 480-585-2694.

Purchase advanced ticket packages. Admission/ parking tickets are $60 for four people and include: complimentary self- parking and unlimited enjoyment of all rides and attractions, except skating. The Ice Pass can be purchased for $25 per person in addition to admission.

The Fairmont Scottsdale Princess is located at 7575 E. Princess Drive in Scottsdale. To learn more, visit scottsdaleprincess.com. myhyperlocalnews.com

Women and Wealth: Taking Ownership of Your Financial Future Ladies, are you paying attention to your finances and thinking about your retirement income plan? We hope that you are. If not, it’s important to note that research shows women are more likely than men to have a financial shortfall in retirement.

Consider these statistics, according to Morningstar:

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• Only 39% of women are confident they will have enough resources to last 25 years in retirement.

• 48% of unmarried females receiving Social Security relied on Social Security for 90% of their income (2017).

• 50% of women age 65+ have incomes that render them economically insecure.

Because our attention is often split between competing roles—spouse, mother, employee, caregiver and others—it’s easy to fall year-after-year into the trap of letting someone else handle the retirement income planning, just assuming everything will be “fine.”

Are you ready to take control, improve your financial literacy and plan for a better future? Again, we hope so. When you take an active role in your financial situation today, you are investing in all of your tomorrows. There is still time to make adjustments, address concerns, accumulate more, and understand how all of your income streams could work together. You owe it to yourself.

Diamond Retirement Strategies is ready to partner with you. We are a womanowned and -operated business passionate about serving other women who would benefit from our retirement income planning expertise.

We would welcome the opportunity to help you create a retirement income plan that takes care of your future retired self!

Michele Diamond Diamond Retirement Strategies 480.750.2999 www.drstrategies.org

People’s perception of financial planning is that it is boring, confusing and not at all fun.

Michele Diamond of Diamond Retirement Strategies changes all of that with her unique approach to seminars: Via Zoom, women only and fun!

WHAT TO EXPECT: • Made for women, by women • Raffles for free prizes during the seminar • Fun and educational • Hosted by a spunky, experienced professional • No cheesy sales/no obligations to purchase anything • Casual open forum to ask questions Date and Time: Call for details Location: Zoom 40 spots available. Call 480-750-2999 or go to www.drstrategies.org to register. Links will be emailed to all registered participants within 1 week of the event.

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NORTH 32ND NEWS • February 2021 • 7

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City News A Local Nonprofit Tackles Domestic Violence by Providing Survivors with Resources to Escape

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VICTIMS OF DOMESTIC VIOLENCE OFTEN FIND THEMSELVES STRUGGLING TO LEAVE BECAUSE THEY DON’T HAVE THE FINANCIAL RESOURCES TO SURVIVE OUTSIDE OF THE RELATIONSHIP. VALLEY NONPROFIT CONTROL ALT DELETE, LLC IS WORKING TO MAKE SURE THAT VICTIMS CAN SAFELY FIND A WAY OUT. “Control Alt Delete helps people escape domestic violence by removing the barriers that keep them in unsafe situations,” says its president and founder Laura Pahules. “Ninety nine percent of all abuse survivors are financially abused and may be ready to leave but do not have the funds for something as little as gas for their car.”

In 2019, Arizona domestic violence programs served 1,539 people in a single day and there were 96 domestic violence related deaths throughout the year according to the National Coalition Against Domestic Violence. Control Alt Delete was founded the same year, and since then, they have facilitated more than 1,800 escapes from domestic violence situations, which have included more than 3,800 children and 1,200 pets.

“What we know about domestic violence survivors is that they will have a higher likelihood of not returning to the abuser if they have a support system,” Pahules says.

“Many of the escapes we help with have friends or family that can help but the survivor has no way to get to them; Control Alt Delete bridges that gap by providing fuel and transportation.”

Not only does the organization provide financial support for fuel, but every inperson escape receives a basic immediate needs bin filled with hygiene and other essential items to help survivors through their escape and transition away from the relationship with dignity.

For survivors who remain in the home after the abuser has been arrested, Control Alt Delete can assist in changing door locks, installing window locks and even installing security camera systems.

Pahules says that financial support and donation drives are both great ways to get involved with Control Alt Delete. The organization is a qualifying organization under the Arizona Charitable Tax Credit and donations make the home security program and basic immediate need bins possible.

“The average cost of a Control Alt Delete escape is $12.28 per person,” she says. “$12.28 to save a life.”

Control Alt Delete is a volunteer-run organization with no overhead cost and no state or federal funding. According to Pahules, 100 percent of every donation made to the organization goes directly toward helping people escape domestic violence.

She adds that the easiest way to support the organization and help with domestic violence awareness is to like, follow and share posts across social media platforms.

“Prior to the pandemic, the national statistics showed that one in four women and one in nine men were in abusive relationships,” Pahules shares. “I believe those numbers may have changed to even more people currently being abused. Domestic violence in rampant and widespread, with no socioeconomic distinction.”

Pahules offers one final thought to those in a domestic violence environment, or those who know someone in a domestic violence environment: “You are not alone,” she says. “I believe you. There is help.”

To learn more about Control Alt Delete, visit dvcontrolaltdelete.org. To keep up with the latest organization news and events, follow along on Facebook and Instagram at @dv.ctrlaltdel and Twitter at @dvctrlaltdel.

Jenna-Lee Neff is a freelance journalist, digital audience analyst, and nonprofit public relations professional. Learn more about her work at jennaleeneff.com. myhyperlocalnews.com

City News Travel Tips from ADOT: Staying Safe in North 32nd and Beyond

By Ethan Kispert IN THE CITY OF PHOENIX, AUTOMOBILE ACCIDENTS ARE ONE OF THE LEADING CAUSES OF DEATH. According to an Arizona Department of Transportation (ADOT) crash report, car accidents accounted for a staggering 586 total fatalities and 46,858 total injuries in urban areas. This number accounts for over 50% of the total fatalities for the state of Arizona in 2019. These numbers also represent a slight increase from the ADOT’s 2018 numbers of 562 total fatalities and 43,513 injuries.

“We’ve had two horrific accidents recently near 32nd and Cactus,” says Allison Barnett, an ambassador for North 32nd. “There were two fatalities and severe injuries in one and severe injuries in the other.”

According to the City of Phoenix, the following are the “Five P’s” or basic principles for effective driving:

• Perception: Perceive the complete picture of what is ahead by rotating your eyes 180 degrees, looking to the horizon and scanning from side to side.

• Planning: Go through various driving situations in your mind and think through “escape route” options to prepare yourself before unexpected hazards.

• Prevention: Practice defensive driving and be ready to prevent a crash by adjusting to the other person’s mistakes.

Give yourself time to react so that you can remove yourself from another driver’s distraction.

• Publicity: Indicate your driving intentions early enough so other drivers have time to react to you. Make eye contact when possible. Avoid sudden movements and be as visible as the situation requires by using turn signals.

• Proper: Proper attitude is very important in safe driving. Many crashes are caused by bad decisions influenced by anger, speed and frustration. When emotions run high, recognize and

avoid any tendency to forego safe driving practices.

More tips can be found at focusondriving.com/content/make-2020-year-safedriving.

WINTER TRAVELING TIPS As the winter and spring months kick into high gear, many Phoenix residents like to travel north.

ADOT has a number of handy tips to help ensure drivers stay safe while on the road: • Slow Down and Leave Extra Room: Adjust your speed to conditions. Driving slower and leaving space between your vehicle and others when snow and ice are present can improve your ability to brake and prevent skids.

• Leave Prepared: Dress for cold weather, bring extra clothes and gloves, be sure your cellphone is charged, and pack food, water and necessary medications. Make sure your vehicle is in

good working condition, starting with the battery, heater/defroster, wiper blades, wiper fluid, and brakes.

• Pack an Emergency Kit: For starters, take blankets, a flashlight, an ice scraper, a small shovel, a container of sand for traction, a reflective vest and hazard lights or reflectors in case your vehicle becomes disabled.

• Beware of Black Ice: Black ice tends to form at night when melting snow freezes and is especially common on bridges.

More tips can be found at azdot.gov/ KnowSnow.

1.5 million animals are euthanized each year at animal shelters across America.

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670,000 of those animals are dogs. Many dogs are adopted each year, but are returned due to behavioral issues. At Lorenzo’s our goal is to train dogs to keep them out of shelters and in happy homes.

We work with dogs of any age, size, breed and temperament.

We provide all levels of training, from housebreaking and behavioral modification to advanced off leash obedience training.

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Lindseysiffermann@lorenzosdogtrainingteam.com NORTH 32ND NEWS • February 2021 • 9

City News The “I Got Your Back” Project Helps Comfort Spinal Patients at PCH

By Emma Wolff HOW MANY TIMES HAVE YOU HEARD SOMEONE SAY, “I GOT YOUR BACK”? Well, 17-year-old North 32nd resident Darcy Vecchione is giving this phrase a whole new meaning with her community service project for spinal patients. “I got your back” is printed on every one of the handmade pillows she created to provide comfort to the spinal and orthopedic patients at Phoenix Children’s Hospital.

For Vecchione, this project is personal. In August 2019, her life changed forever after receiving a diagnosis of spondylolisthesis, a disorder of the spinal cord in which one vertebra slips onto the bone below it. The spinal condition can result in severe back and leg pain.

It was an overwhelming, frightening and painful time in her life. But, rather than becoming disheartened and gloomy, it inspired her mission to help children in similar situations find comfort.

“As soon as I was diagnosed, I knew this experience wasn’t going to be easy,” says Vecchione. “I wanted to help others as soon as I could. Once I started feeling like

myself again, I decided to put this community service project in action.”

While dealing with her condition, Vecchione found comfort in a little blue pillow. This petite pillow relieved the strain on her back and was the only thing that seemed to ease her daily pain. The pillow went with her to school, out to eat and when she was with friends. She believed other children in pain deserved the relief she found from her pillow.

“This project is very special to me. Going through painful spine surgery at such a young age was not easy, so I wanted to make it better for other kids experiencing similar situations,” says Vecchione. “I wanted them to know someone in their community understands their pain and is here to offer support.

With every pillow I include my contact information so patients can reach out whenever they need. This way they know I’ve truly got their back.”

Vecchione’s “I got your back” pillows were distributed to the patients of Phoenix Children’s Hospital. The travel-sized pillows are compact, so children like Vecchione can have support anytime and anywhere.

“The lead orthopedic doctors at Phoenix Children’s Hospital said the pillows were a huge hit. The patients were delighted to receive something to ease their discomfort and they were smiling from ear to ear,” says Vecchione. “A few kids reached out to tell me they haven’t let go of their pillow during their time in the hospital. It filled my heart with joy knowing I made their experience a little more bearable.”

To learn more about this project, e-mail darcyspillowproject@gmail.com.

Serving Sushi, some Southeast Asian dishes and Hawaiian cuisine in the best possible way.

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4212 W Cactus Rd, STE 1107, Phoenix, AZ 85029 602-843-8328 littleasiacuisine.com 10 • February 2021 • NORTH 32ND NEWS

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City News

Around the World in North 32nd

By Allison J. Barnett IT IS AMAZING THAT ONE OF THE BIG ASSETS OF OUR NORTH 32ND COMMUNITY IS THE ABILITY TO EXPLORE THE FLAVORS OF CULTURES FROM AROUND THE WORLD RIGHT HERE IN OUR OWN BACKYARD. Whether you are looking to taste a familiar flavor or discover a new one, North 32nd has bountiful options.

BEST OF EUROPE MEATS & DELI 3202 E. Greenway, Ste. 1611 602-493-1973 bestofeuropedeli.com

Hankering for some tasty pastrami, sausage or other specialty eastern European delights? You’ll want to check out Best of Europe Meats & Deli. If you are having trouble deciding, the owner will happily help you select items to enjoy. She encouraged me to try the spicy kielbasa as well as another smaller sausage plus I selected some other treats to enjoy. They also offer flavorful pierogi and poppy seed rolls.

OASIS RASPADOS 3202 E. Greenway Road, Ste. 1635 602-446-9208 oasisraspadosaz.com Looking for tasty treats to remind you of Mexico? Whether you crave elote (corn topped with chili and lime) or sweeter treats like raspados (Mexico’s version of the Hawaiian shave ice), this shop has many options with a tendency to kick up the spice. The chamoyada was a perfect warm afternoon treat (ice topped with with mangos, chili, lime juice and chamoya). myhyperlocalnews.com

PHO AV 3202 E. Greenway Road, Ste. 1289 602-923-0241 phoavphoenix.com During the cooler months, soup always sounds like a good idea. Pho AV is an award-winning “Best of Phoenix” Pho restaurant.

During the winter, they offer a special called Bun Bo Hue, which is a spicy beef soup that was super flavorful. Many of their other dishes looked delicious too, so I will definitely go back to try more of their dishes like the Vietnamese crepe.

SALA THAI ARIZONA 10880 N. N 32nd Street, #29 602-971-1293 salathaiaz.com Tucked away next to Wright in the Garden, the Phoenix location of Sala Thai is a great place to grab a taste of Thailand as well as an awesome smoothie. If you have not been recently, you’ll notice that they updated the decor. Smoothies like the pineapple coconut (with or without Boba) are refreshing after a hike. The Tom Kra Gai (coconut milk soup), Pad Kee Mow (drunken noodles), and Papaya Salad are all very tasty options for lunch or dinner.

KC DRAGON PALACE 13825 N. 32nd Street, Ste. 14 602-971-8880 kcdragonpalace.com Just north of Thunderbird on 32nd, you’ll find KC Dragon Palace offering satisfying Chinese food. The family that owns the restaurant is offering take-out only during these times. Call ahead and your order will be ready in no time. While I am still working through my favorite dishes, the hot and sour soup and Mongolian beef were delicious.

Allison J. Barnett is an ambassador for North 32nd, which is a vibrant community in North Phoenix located off the SR-51 just north of Dreamy Draw up to Union Hills along North 32nd with many local businesses, organizations, and neighbors working together to create a beautiful place to enjoy. Allison is also a licensed real estate broker in Arizona and California. Learn more at North32nd.com and AllisonJBarnett.com.

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City News

Phoenix Police Reflect on 2020 and Look Forward to the Future

By Phoenix Police Chief Jeri Williams 2020 IS BEHIND US, MARKED AS ONE OF THE MOST UNIQUE YEARS IN MODERN HISTORY. The challenges of a global pandemic, rising domestic violence and homicide rates in cities across the country, and social unrest surrounding race, policing, and politics have impacted our country and our community. As the Chief of the Phoenix Police Department, I am confident we completed 2020 a better department.

We have implemented substantial changes that improve our ability to meet community expectations to serve, protect, and reduce crime in Phoenix while treating community members with dignity and respect.

CRIME TRENDS Our department had some 825,000 interactions with the public in 2020.

Our Communications Bureau answered more than 2 million calls for service.

Thefts, burglaries, and rapes are all down.

After a decade of lower murder rates, Phoenix mirrored a national trend, with the number of people killed at the hands of another reaching numbers more like what our city experienced in the early 2000’s. Despite the increase, our Homicide Unit is working hard to find justice for these victims, with a clearance rate nearly 10% higher than the national average.

Early in 2020 when we saw a trend of increasing domestic violence, our department teamed up with other City of Phoenix and community resources

12 • February 2021 • NORTH 32ND NEWS

along with media partners to launch the Domestic Violence Help! campaign.

This multi-pronged approach helped raise awareness and provide resources to potential victims.

COVID-19 COVID-19 impacted many aspects of policing. We initiated an Incident Management Team to address solutions to the pandemic. With a focus on education, officers interacted with the public, sharing important health and safety information regarding the virus. At that same time, we looked for additional ways we could support the community. This included the detailed process of certifying our Crime Lab to provide support for COVID-19 testing.

The Phoenix Crime Lab is the only crime lab in the country to provide this community service.

OFFICER INVOLVED SHOOTING AND POLICE REFORM Phoenix residents rightfully expect officers to be faithful guardians of public safety and only use force as a last resort.

This community expectation was reinforced after the untimely death of George Floyd where Phoenix was one of more than 2,000 cities nationwide with demonstrations calling for police reform. These demonstrations were largely peaceful, and I appreciate the commitment of our Community Engagement Bureau, our Central City Precinct and the many, many officers who assisted.

I was able to speak directly with and

hear the concerns of organizers. This led to an evaluation of several of our policies to reflect the high expectation we have of our sworn and civilian employees. These changes include banning neck restraints such as the carotid control technique.

The Duty to Intervene policy now makes it clear that we expect all employees to step in and stop what they know to be excessive force by a fellow employee.

LOOKING AHEAD There is still more to be done, not only within the police department but through a coordinated effort across the community. Nowhere is this more evident than the need for mental and behavior health services. Despite the vital role police play as first responders, we are not always the appropriate response to a 911 call for service.

Rethinking who responds to mental health, homelessness and domestic violence calls will strengthen our community.

Internally, we’ve launched a new initiative to build a team of employees focused on the department mission to constantly and continuously improve both as an organization and as individual employees. I organized the Center for Continuous Improvement (CCI) with five key focus areas: operation and policy management, accountability, technology and transparency, messaging and employee wellness and development.

This group is laser focused on evaluating best practices so the Phoenix Police Department can always be moving forward.

The CCI will also evaluate recommendations from national organizations such as the National Police Foundation and the U.S. Conference of Mayors. During the nationwide demonstrations calling for police reform, I participated on the U.S. Conference of Mayors Committee on Police Reform and Racial Justice. We came up with multiple recommendations to reimagine policing. Many we already do. Some still need work. These include things like creating a use of force data dashboard, evaluating tactics to ensure we are impartial in our policing, and building up our community policing programs.

Phoenix is a fast-growing city, attracting people who want to live, work and play in a safe environment. I know under the leadership of Mayor Kate Gallego and the Phoenix City Council, 2021 will be a year where the Phoenix Police Department will thrive in our mission to support the safety and security of all residents and visitors.

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City News

Phoenix Implements Hazardous Waste Home Pick-up Program THE PHOENIX CITY COUNCIL RECENTLY APPROVED THE IMPLEMENTATION OF A 6-MONTH PILOT PROGRAM THAT WILL ALLOW PHOENIX SOLID WASTE CUSTOMERS TO SCHEDULE A HOME PICKUP OF THEIR HOUSEHOLD HAZARDOUS WASTE (HHW) MATERIALS.

hazardous materials, including things like batteries and paint,” says Phoenix Mayor Kate Gallego. “We expect this effort will result in up to 700 tons of waste diverted from landfills annually. I’m proud that Phoenix can provide this common sense service at no additional cost to residents.”

The HHW Home Pickup Pilot Program will be managed by the Phoenix Public Works Department in partnership with Kary Environmental Services, a local company that offers professional collection and handling of hazardous waste materials. Public Works is responsible for the proper collection, diversion and disposal of trash and recyclable materials from more than 400,000 Phoenix residential customers.

To participate in the program and schedule a pickup, solid waste residential customers who wish to dispose of HHW materials—such as paints, aerosols, batteries, electronics and chemicals—need to remember three simple steps:

“The HHW Home Pickup Pilot Program is another example of the ways the city of Phoenix is adapting to the realities of COVID-19 while still providing crucial services. This home pickup program makes it easy for residents to properly dispose of

20 POINT PREVENTIVE MAINTENANCE HEATING CHECKUP

1. Check acceptable HHW materials list by visiting phoenix.gov/publicworks/HHW. The list is extensive and details the maximum quantities for accepted chemicals, paints and some electronics, per scheduled collection.

2. Schedule a home pick-up online at phoenix.gov/publicworks/HHW or by calling 602-262-6251. Residents may schedule a pickup during the last two

weeks of every other month. Actual collection of the materials will take place the following month.

3. Place properly contained, sealed and labeled HHW materials at a visible and accessible area next to your garage or front door on the scheduled pickup date. This is important for safety purposes. Do not place HHW materials at the curb or on the sidewalk.

“During these difficult times, it’s important for the City of Phoenix to provide vital services to our residents in a safe, physically distanced way,” says Vice Mayor Thelda Williams, chair of the Transportation, Infrastructure and Innovation subcommittee. “By implementing home pickups for household hazardous waste materials, the Public Works department is meeting this need, while also ensuring proper disposal of chemicals and toxic wastes that could harm families and the environment.”

There is no additional cost to request a

home pickup for solid waste residential customers. The program is already included as part of the solid waste monthly rate. For the 6-month duration of the pilot program, each solid waste customer/ household is entitled to one free HHW pick-up. Additionally, the current HHW Alternative Drop-off program, implemented in April 2020, will remain available at no cost to Phoenix solid waste customers.

On average, Phoenix’s HHW collection program diverts approximately 500-700 tons of HHW materials from the landfill.

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Education A North 32nd Teacher Receives National Certification

P

VSchools is proud to announce that Elizabeth Cook, a Title I reading specialist at Palomino Intermediate School, is one of the newest National Board Certified Teachers (NBCTs) in Arizona. National Board Certification is the highest certificate an educator can achieve in the United States.

Administered by the National Board for Professional Teaching Standards, Board certification is a rigorous and reflective process that requires teachers to showcase the National Board Standards in their practice.

Teachers often take up to three years of continual work to achieve certification. Research shows that students of NBCTs have improved learning outcomes.

“For me, becoming a National Board Certified teacher was a challenging and incredibly worthwhile achievement that has allowed me to strengthen and improve my teaching practice and become the most impactful teacher I can be,” Cook says. “It’s a remarkable feeling to be a part of a group of educators who are dedicated to improving the quality of education for every student.”

Cook has been teaching for a total of nine and a half years, all of them in PVSchools. She also completed all of her internships and student teaching within PVSchools as part of the iTeach program at Arizona State University.

“I want to extend a huge thank you to all the coaches in the pre-candidacy program and to the district for providing an amazing support system to make this journey possible,” she adds.

Since 1996, teachers throughout Arizona have been seeking and achieving National Board Certification.

The Arizona K12 Center provides support and resources for teachers to pursue National Board Certification.

This year, 48 Arizona teachers achieved certification.

Altogether, Arizona is home to 1,576 NBCTs with 660 teachers currently pursuing National Board Certification. According to the National Board, there are 127,781 NBCTs across the U.S.

Phoenix Water Debuts New Activity Book with Stormwater Hopper

P

hoenix Water’s mascot, Hopper, is a friendly desert toad that represents stormwater education. In Hopper’s newly released activity book, “Hopper’s Stormwater Adventure,” students go on a journey to discover what happens to rainwater that flows into the storm drain. One of Hopper’s most important messages is that stormwater runoff flows untreated into washes, rivers, canals and retention or detention basins and it’s the community’s duty to protect the water.

The activity and coloring pages throughout the ten-page book teach students how to protect stormwater and prevent pollution in the storm drain. Hopper takes students through a maze to learn where stormwater goes on page three.

On page six, students fill in the blank using a secret code teaching them how to protect stormwater. Students test their knowledge on pages seven and eight by selecting which Hopper is preventing stormwater pollution.

By the end, students will know that only rain belongs in the storm drain.

games, learning videos for kids and adults, and lesson plans for the educators to use at home. The webpage provides fun learning entertainment for the whole family.

Phoenix Water continues to add new content to the page throughout the year. To download Hopper’s new activity book, and check out Phoenix Water’s digital education page, visit phoenix.gov/watercloud. To learn more about stormwater in Phoenix, visit phoenix.gov/ stormwater. And remember, only rain in the storm drain!

The activity book is available for download on Phoenix Water’s digital education page, Water Education from the Cloud. In addition to Hopper’s activity book, the water education page offers water conservation resources for all ages including activity books for Phoenix Water mascots Wayne Drop and Loo Poo, 14 • February 2021 • NORTH 32ND NEWS

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Kids’ Corner

ARIZONA HISTORY:

A ROOTIN’ TOOTIN’ LEGEND OF THE WEST

By Jill “MamaBug” Frier

O

n Valentine’s Day, Arizona will celebrate its 109th birthday. It took 49 years for Arizona to become a state from the time it was first declared a territory, but the 48th state finally was admitted to the Union on February 14, 1912. One of the many things we love about the great state of Arizona is it’s wild and wooly past. The tales told about the special places in this state make learning about the history of the Wild West a rootin’ tootin’ hoedown!

Arizona had its share of controversy and mayhem on the journey toward statehood, but our history pre-dates the beginnings of the United States. Oraibi, a village on the Hopi reservation, was settled prior to 1100 A.D. and is one of oldest continuously inhabited settlements within the United States. Prehistoric ruins of native people date back thousands of years and are widespread throughout Arizona. One of the oldest standing European structures in the country, San Xavier del Bac mission in Tucson, was built in 1699. And our most famous landmark, the Grand Canyon, is not only around 17 million years old, but is also one of the Seven Natural Wonders of the World, and the only one located within the United States.

Here are few fun facts about State 48, the Grand Canyon State, that you might not have known: • The first barrel of tequila ever was produced in Nogales, Arizona, in 1936.

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• Arizona has the two largest man-made lakes in America: Lake Mead and Lake Powell.

• Lake Powell has a shoreline of 2,000 miles, more than the Pacific Coast.

• Donkeys are not allowed to sleep in bathtubs.

• It is illegal to refuse a person a glass of water.

• You can be put in jail for up to 25 years for cutting down a Saguaro cactus.

• The first McDonald’s drive-thru window was opened in Sierra Vista.

• The world’s oldest rodeo is in Prescott.

• The FAA was created in 1958 as the result of two airplanes crashing over the Grand Canyon.

To see some of our Old West history up close and personal, check out a few of these popular day trips from Phoenix to get a flavor of Arizona before it became a state: PIONEER LIVING HISTORY MUSEUM: The Pioneer Living History Museum in north Phoenix, just south of Anthem on I-17, is an Old West village made up of authentic buildings and accurate reproductions of real historic structures from different locations around Arizona.

SHARLOT HALL MUSEUM: The Sharlot Hall Museum in Prescott is located on the site of the first Territorial Governor’s residence and offices and features historic exhibit buildings, artifacts, and gardens. The museum was named for Sharlot Mabridth Hall, a well-known poet, activist, politician, and Arizona’s first territorial historian.

FORT VERDE STATE PARK: Camp Verde in the central Arizona’s Verde Valley, is full of historic sites, including Fort Verde State Park, a well-preserved example of the Arizona Territory in the wild west era of the late 1800s, and the nearby Montezuma’s Castle National Monument, an 800-year-old legacy of the Sinagua people who lived in ancient Arizona.

JEROME: Jerome, west of Camp Verde, was once a thriving copper mining town and is today well known for its hauntings.

BESH BA GOWAH: Just outside the city of Globe, east of the Superstition Mountains, is Besh Ba Gowah, an archeological park featuring the ruins of the ancient Salado people who lived in the Globe-Miami area almost 800 years ago.

TOMBSTONE: Tombstone, located south of Tucson, is home of the infamous OK Corral and is one of the most famous and celebrated towns of the historic Old West.

These are just a few of the many spots in Arizona to learn about our Wild West past. If you want to check out a piece of Grand Canyon State history up close, take a day or weekend trip to one of these great historic spots.

Be sure to check Ladybug’s Blog at ladybugsblog.com for more ideas for great places to get your kids out of the house to enjoy historic and fun adventures throughout the state of Arizona.

NORTH 32ND NEWS • February 2021 • 15

Your Guide to Local Farmers Markets

Cover Story

A round up of nearby markets, tips and tricks

By Jenna-Lee Neff

W

ith our gorgeous weather, now is the prime time to get out to a farmers market to support local small businesses, farms and creatives. To help you pick where to go, we’ve rounded up a comprehensive list of farmers markets across the Valley.

ROADRUNNER PARK FARMER’S MARKET The Roadrunner Park Farmer’s Market is a weekly Saturday morning market located near Paradise Valley Mall between the 51 Freeway and 36th Street. This market accepts Arizona Farmer’s Market Nutrition Program vouchers (AZ FMNP), Double Up Food Bucks Arizona (DUFB), and the Supplemental Nutrition Assistance Program (SNAP).

Hours: Open Saturdays from 8 a.m. to 1 p.m.

Address: 3502 E. Cactus Road, Phoenix Website: arizonacommunityfarmersmarkets.com/ roadrunner-farmers-mkt FARMERS MARKET ON HIGH STREET The Farmers Market on High Street is a weekly Sunday morning market located in the High Street shopping district at 56th Street and the 101 Freeway.

Hours: Open Sundays from 10 a.m. to 1:30 p.m.

Address: 5415 East High Street, Phoenix Website: highstreetaz.com/farmers-market 16 • February 2021 • NORTH 32ND NEWS

PINNACLE PEAK FARMER’S MARKET Pinnacle Peak Farmer’s Market is a weekly Saturday morning market on Pinnacle Peak and 43rd Avenue in Glendale, located in the parking lot of Hurricane Harbor Water Park.

Hours: Open Saturdays from 8 a.m. to 1 p.m.

Address: 4243 W. Pinnacle Peak Road, Glendale Website: facebook.com/pinnaclepeakfarmersmarket

Central Avenue and Bethany Home Road, located on the grounds of the North Phoenix Baptist Church. This market accepts DUFB and SNAP. They are currently matching DUFB and SNAP dollar-for-dollar with no limit.

Hours: Open Saturdays from 8 a.m. to 1 p.m. and Wednesdays from 9 a.m. to 12 p.m.

Address: 5757 N. Central Ave., Phoenix Website: uptownmarketaz.com

ANTHEM FARMER’S MARKET The Anthem Farmer’s Market is a weekly Saturday morning market located in Anthem Veteran’s Memorial Park.

Hours: Open Saturdays from 9 a.m. to 1 p.m.

Address: 41703 N. Gavilan Peak Pkwy., Phoenix Website: arizonacommunityfarmersmarkets.com/ anthem-farmers-market

OLD TOWN SCOTTSDALE FARMER’S MARKET The Old Town Scottsdale Farmer’s Market is a weekly Saturday morning market located in Old Town Scottsdale on 2nd Street and Brown. This market accepts AZ FMNP, DUFB and the SNAP. Hours: Open Saturdays from 8 a.m. to 1 p.m.

Address: 3806 N. Brown Ave., Scottsdale Website: arizonacommunityfarmersmarkets.com/oldtown-scottsdale

DOWNTOWN FARMER’S MARKET The Downtown Farmer’s Market is a weekly Saturday morning market located on Central Avenue and McKinley. This market accepts Special Supplemental Nutrition Program for Women, Infants, and Children (WIC), AZ FMNP, DUFB and SNAP. Hours: Open Saturdays from 8 a.m. to 1 p.m.

Address: 721 N. Central Ave., Phoenix Website: downtownphoenixfarmersmarket.org UPTOWN FARMER’S MARKET Uptown Farmers Market is a weekly Saturday and Wednesday morning market on the southeast corner of

ARROWHEAD FARMER’S MARKET The Arrowhead Farmer’s Market is a weekly Saturday morning market located on the north side of the Arrowhead Town Center mall parking lot in front of the old Sears building next to the AMC movie theater.

Hours: Open Saturdays from 9 a.m. to 2 p.m.

Address: 7780 W. Arrowhead Towne Center, Glendale Website: getlocalarizonaevents.com/saturdaymarket Jenna-Lee Neff is a freelance journalist, digital audience analyst, and nonprofit public relations professional. Learn more about her work at jennaleeneff.com.

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Farmers Market Tips & Tricks USE THESE TIPS TO GUARANTEE THE BEST SELECTION, EASY SHOPPING AND A COMFORTABLE DAY: 1. COME EARLY For best selection of produce, arrive first thing so that you have first choice on the variety of produce you’ll see at your farmers market.

2. BRING CHANGE AND SMALL BILLS Though more and more markets are set up to take credit cards, carrying cash is a must.

3. BRING A COOLER Some smart produce shoppers bring a cooler on wheels to keep produce fresh until it gets home.

4. DRESS FOR THE WEATHER Wear comfortable clothes and shoes, a hat and sunscreen. Don’t forget to bring drinking water.

PRACTICING SAFETY AND PHYSICAL DISTANCING IS A MUST. USE THESE TIPS TO PREVENT THE SPREAD OF COVID-19: 1. LIMIT YOUR GROUP Prevent overcrowding at the markets by limiting the amount of people you bring on your trip.

2. COVER YOUR MOUTH Bring your face mask and wear it secured properly over your nose and mouth in public areas.

3. LOOK, DON’T TOUCH Only touch produce items you plan to buy. The less people who touch an item, the less opportunities that exist for contamination.

4. STUFFY NOSE? STAY HOME If you or someone in your group isn’t feeling well, consider postponing your trip to the farmers market. Pay them a visit when you are well.

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NORTH 32ND NEWS • February 2021 • 17

Legal Valentine’s Day and Planning for Those You Love

By Libby Banks, The Law Office of Libby Banks, PLLC

V

alentine’s Day is February 14.

It started long ago as a Roman festival and was later converted to St. Valentine’s Day by Pope Gelasius around the end of the fifth century.

Much later, in the 14th century, it came to be celebrated as a day of romance.

These days, we also give gifts to other family members we love to let them know just how dear they are to us. One way to show our family we love them is to get a will or trust in place. A proper estate plan makes

it much easier on your loved ones if you become incapacitated and when you are no longer here. Without a proper estate plan, you may leave a gigantic mess. Your family will have an expensive and time-consuming ordeal ahead of them, and worse, they may end up fighting.

HAVING A PROPER PLAN MEANS YOU AVOID SOME OF THESE BIG MISTAKES: Not having a plan: This seems obvious, but it is the number one mistake made by 60 percent of Arizonans. If you don’t have a plan, don’t worry. The state of Arizona has one for you, but it may not be what you want. Put your own plan in place instead. Who needs a plan?

Those with children, homeowners, and business owners. Whether your situation is simple or complicated, a plan tailored to you will save your family heartache and money.

Putting a do-it-yourself plan in place or using a non-expert: Sometimes we need to call in experts.

We don’t know what we don’t know.

We wouldn’t perform our own surgery, so why not get legal expertise when needed too? An attorney who focuses on estate planning knows the ins and outs of the law and can suggest provisions for your plan that you don’t even know about. If you don’t use an attorney and make a serious mistake, it may be too late when your family finds out.

Keeping your “older-than-thehills” estate plan: Good for you if you did a will when your children were born, but if they now have their own children, it is time to update your plan. If your assets have grown, you may want to consider a trust, and rethink how you are leaving your assets to your heirs. Laws change too and often require an update. In Arizona two key dates are 2008, when the trust code changed completely, and 2012, when estate taxes became less of an issue for most Arizonans. If your plan is older than this, you need a review of the plan and perhaps an update.

If you are ready to show your love with an estate plan, you can call my office for a complimentary initial consultation or review of your existing plan at 602-375-6752 or visit my website at libbybanks.com to learn more.

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ur Estate Planning in Phoenix and Scottsdale is highly customized to meet your unique family situation, assets, values, and personal goals. Our complimentary first meeting allows

you to get to know Libby, our Estate Planning attorney and talk about your unique situation and what plan will best fit your needs.

Remember, when you choose Libby you are not only hiring someone to prepare your Estate Plan, you are choosing a seasoned Estate Planning attorney to guide you through this often

1

complex process and raise questions you might not have considered. You are choosing an experienced professional to create a plan that serves your family in the way that you want and, after you are gone, a trusted advisor that your loved ones can depend on.

“My greatest joy is creating community and helping people find a safe and comfor table place to call home.”

2

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Allison Barnett is an Ambassador for Nor th 32nd, which brings revitalization with strategic par tnerships with the community, local businesses, and the City of Phoenix. Allison is also a licensed real estate broker in Arizona and California as well as a yoga teacher.

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5010 E. Shea Blvd, Suite 205 Scottsdale, AZ 85254 602.375.6752 | www.libbybanks.com | libby@libbybanks.com 18 • February 2021 • NORTH 32ND NEWS

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STATEPOINT CROSSWORD THEME: SUPER BOWL ACROSS 1. *Starr of Super Bowl I and MVP 5. Epsom or evian-les-Bains 8. Mexican money 12. Gulf V.I.P. 13. Biblical pronoun 14. Competitive musher, e.g.

15. Saintly glow 16. From the sky and often damaging 17. Early anesthetic 18. *Halftime show performer 20. Photo editing option 21. T. S., poet 22. Chi forerunner 23. *Team with most consecutive Super Bowl appearances 25. Swindles 29. Even, to a poet 30. Slanting characters 33. Cough syrup balsam 34. Travels by air 36. “What’s up ____?”, asked by Bugs Bunny 37. Southeast Asia org.

38. German currency 39. Wb, pl.

41. 9 to 5, e.g.

42. Substitute, two words 44. Express a thought 46. Hitherto 47. Winter “fever”?

49. Brown on “Doctor Who” 51. *He has most Super Bowl appearances as a coach 55. Plural of #38 Across 56. Norse deity 57. Joie de vivre 58. *3-time Super Bowl champ, Russ ____ 59. Pasturelands 60. Ready for picking 61. Black and white treat 62. *Another form of Super Bowl entertainment 63. Command, with “at” DOWN 1. Thai currency 2. Wet nurse 3. Rub the wrong way 4. Gardener’s little helper 5. British soldier’s parade hat 6. *P in PAT 7. “____ Lang Syne” 8. *Team with most Super Bowl appearances 9. Reverberating sound 10. Slowly leak 11. NHL great

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480-599-1003 www.Cannafyl.com 13. Opposite of atheist 14. Short version 19. ____ Island off Manhattan 22. Nervous twitch 23. Knockout 24. Below, prefix 25. *Player with most Super Bowl points scored 26. Warm down-slope wind 27. Distress signal 28. Phoenix team 29. Flock members 31. Port of Yemen 32. Tennis shot 35. *Jim Nantz’s partner

37. Savory jelly 39. A must for a comedian 40. Williams and Wright 43. Natural theology 45. Answer to “Where are you?”, two words 47. Surrendered land 48. Spy’s other name 49. Feline vibration 50. Albany-Buffalo canal 51. Cowboy’s necktie 52. Pelvic parts 53. Big letters 54. Proposal joint 55. “I” mania

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20 • February 2021 • NORTH 32ND NEWS

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Real Estate

DANGER!

The 2021 Job Market and Its Impact on Real Estate

By Lynn Janson, Realtor

I

n early January, the Bureau of Labor Statistics (BLS) released their most recent jobs report. The BLS report showed that Americans lost 140,000 jobs in December. That is a frightening number of lost jobs and will dramatically impact those households. As frightening and devastating as that number is, we need to give it some context.

Greg Ip, Chief Economics Commentator at the Wall Street Journal (WSJ), explains: “The economy is probably not slipping back into recession. The drop was induced by new restrictions on activity as the pandemic raged out of control. Leisure and hospitality, which includes restaurants, hotels, and amusement parks, tumbled 498,000.”

In the same report, Michael Pearce, Senior U.S. Economist of Capital Economics, agreed. “The 140,000 drop in non-farm payrolls was entirely due to a massive plunge in leisure and hospitality employment, as bars and restaurants across the country have been forced to close in response to the surge in coronavirus infections.

With employment in most other sectors rising strongly, the economy appears to be carrying more momentum into 2021 than we had thought.”

As we continue to distribute the COVID-19 vaccine throughout the nation, and the pandemic gets under control, the vast majority of those jobs will eventually come back.

are reflective of the time when coronavirus vaccines were not rolled out and federal fiscal policy was still deadlocked. Hopefully, the recent legislation can help build a bridge to a time when vaccines are fully rolled out and the labor market can sustainably heal.”

Michael Feroli, Chief U.S. Economist, for JPMorgan Chase: “The good news in today’s report is that outside the hopefully temporary hit to the food service industry, the rest of the labor market appears to be holding in despite the latest public health challenges.”

WHAT IMPACT WILL THIS JOB MARKET HAVE ON REAL ESTATE IN 2021?

We may start seeing foreclosures and short sales again.

If it will be like the Great Recession is doubtful. If we do start seeing foreclosures and short sales, Arizona may not experience it. Arizona is one of the places people from states like California, Illinois, and others, are moving to in droves.

Rick Sharga, Executive Vice President at RealtyTrac, doesn’t believe that a rise in foreclosures and short sales will be the case: “There are reasons to be cautiously optimistic despite massive unemployment levels and uncertainty about government policies under the new administration. But while anything is possible, it’s highly unlikely that we’ll see another foreclosure tsunami or housing market crash.”

Additional comments from experts, also reported by the WSJ:

Regardless of the prognosis for our economy, for the households impacted by job loss, the crisis is very real. However, things should vastly improve by midyear with expectations that the jobs market will also progress significantly.

Nick Bunker, Head of Research in North America for Indeed: “These numbers are distressing, but they

Lynn Janson is a Realtor with LIV AZ Realty. She can be reached at lynn@livazrealty.com or 602-300-0797.

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Health The Health Benefits of Acupuncture and What to Expect at Your First Treatment

By Anna Lunaria, Licensed Acupuncturist

Feel Better with Acupuncture “Anna has been instrumental in helping manage my autoimmune chronic pain and fatigue. She is truly a miracle worker and I am incredibly grateful for her.” A.S.

“I’ve suffered from a combination of hives and severe headaches due to stress. After acupuncture from Anna for the first time I’ve seen real progress. I’ve rarely met people like Anna; she is dedicated to her patients, takes time to understand their difficulties and communicates a sense of hope.” S.L.

“Anna worked on my Rotator Cuff, my Hip, and the Neuropathy in my feet.

All of these have shown significant improvement. I recommend Anna to everyone I come in contact with.” J.K.

Yin Rising Acupuncture has two locations: North Phoenix Tempe 10880 N 32nd St Suite 15 (& Shea) 6101 S Rural Rd Suite 112 (480) 206-6199 Call/Text • www.yinrising.com Book Online

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cupuncture has been used for over 3,000 years to naturally relieve pain, restore health and nurture wellbeing. Acupuncture is mind-body-spirit medicine: it is equally effective for physical maladies and mental-emotional imbalances. Many studies show that acupuncture can successfully treat most health concerns, from pain and anxiety to infertility and allergies.

It’s estimated that about one in ten Americans have tried acupuncture.

Acupuncture is rapidly becoming more popular especially since the opioid crisis has more people turning to natural pain relief methods. There are over 13,000 studies researching if, how and why acupuncture works. The most well established studies verify that acupuncture prompts the body to release endorphins and endogenous (self-made) opioids. Newer studies find that releases adenosine (the A in ATP), which is a natural analgesic (pain killer), vasodilator (improves blood flow), and sedative (natural calming effect) the moment an acupuncture needle enters the body.

The most frequently asked question about acupuncture is: Does it hurt? Many people are afraid of needles. Many of us associate needles with injections and blood draws.

Those needles are much thicker than an acupuncture needle. Under a microscope those needles have a serrated edge because they are meant to shear through tissue whereas an acupuncture needle is smooth. The needles we prefer are as thin as hair. They glide into the body almost with no sensation or a tiny pinch. Acupuncture points are generally located near nerves but not directly on nerves and also are not near major blood vessels. Bruising can occasionally occur if a tiny capillary is pierced. Most people find acupuncture painless and pleasurable.

OTHER COMMON QUESTIONS: Q: How much does it hurt compared to a tattoo?

A: It’s not comparable because getting

tattoos hurt and have much larger needles.

Q: Are needles reused?

A: No, all needles come in sterile packages and are disposed of safely.

Q: Do I keep my clothes on?

A: If you do remain clothed it’s best to wear clothes that are easy to roll up past the knee and elbow. If we’re treating back or hip pain, then yes, clothes are generally removed.

Q: How long are treatments?

A: It depends on what we are treating and your age, state of health and preferences. Treatments can be as quick as 20 minutes while some can be 90 minutes to incorporate needles on two or more sides of the body as well as other treatments such as cupping or massage. Generally, an acupuncture treatment lasts 45 minutes.

Q: Do I need to lay perfectly still when my needles are in?

A: No, the needles are so thin they bend with movement. If you need to move to rest more comfortably you should be able to adjust your position without pain.

Q: How old do you have to be to receive it?

A: My youngest patient was three weeks old (colic) and my oldest patient was 94.

Q: How many sessions do I need to see a difference?

A: While most patients do feel a difference within one treatment, acupuncture is a physiological process. Acupuncture helps the brain perceive pain less while stimulating the body to heal tissue and rebalance neurotransmitters and the brain as well as the immune and endocrine systems. Most chronic conditions can take 10 to 20 treatments. Research shows that acupuncture works best when received two to three times per week. The best part is that the benefits of acupuncture are long lasting with many people still feeling better a year after their initial treatment course.

To learn more about acupuncture, contact Yin Rising Acupuncture at yinrising. com or 480-206-6199. myhyperlocalnews.com

Health

Pediatric Health and Naturopathic Medicine

By Dr. Jenna Dye, Naturopathic Physician

N

aturopathic medicine is a specific type of health care that focuses on whole patient wellness. The role of a naturopathic physician is to diagnose, treat and prevent acute and chronic illness by identifying underlying causes and removing barriers that may be impacting health rather than focusing solely on symptomatic treatment. This style of medicine can be very beneficial for children. There are many ways naturopathic physicians can support children.

WELL CHILD EXAMS/CHECKUPS Well child exams start in infancy to check growth and development. This includes detailed health history review, diet and nutrition evaluation, physical examination, immunization discussions and support, and a growth review. In addition to the basics, we also focus on the naturopathic approach by supporting parents, discussing milestones, and strengthening the immune system.

SKIN CONDITIONS Skin conditions are common in my practice, especially for children. Eczema is one of the most common skin conditions I see in children and can last throughout adulthood. Typically, this appears once food is introduced. When there is a skin condition, the first place we investigate is the digestive system. We

take a full health history, including any antibiotic use and focus on healing the gut. Food sensitivities can also be a cause of skin conditions and we explore those by elimination of highly allergenic foods or food sensitivity testing. Other skin conditions, such as acne in teens, can also be supported in similar ways with an additional focus on hormone balancing.

DIGESTION Gastrointestinal support is a staple for all ages in naturopathic medicine and is an important aspect of pediatric health. Many children struggle with constipation and stomach pain. We investigate the root cause of any digestive upset. We focus on diet and food allergies and/or sensitivities. We support the gastrointestinal tract by balancing gut flora, especially if there has been a long history of antibiotic use.

IMMUNE SUPPORT Children are exposed to illnesses, so proper immune system support is important. We investigate any nutritional deficiencies and ensure proper supplementation if warranted. If illness occurs, we can support the body with many natural remedies such as herbal formulas and supplements that can boost immunity and help fight illness.

If stronger intervention is needed, such as antibiotics, we will support any side effects from those medications.

As a naturopathic physician, my job is to treat the whole person and individualize medicine. We can treat a variety of conditions in children. I love to teach children to be proactive about their health starting from a young age. It is very rewarding to see my little patients grow into young adults with immune system support and the knowledge of a healthy lifestyle.

Dr. Jenna Dye is a licensed naturopathic physician. Her role is to support the body’s foundation to restore and maintain optimal health. Together with her patients, this is achieved by identifying and removing barriers that may be impacting health while creating a healing environment. For more information, visit drjennadye.com.

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NORTH 32ND NEWS • February 2021 • 23

UPTOWN PSYCHIATRY OFFERS A MODERN APPROACH TO PSYCHIATRIC TREATMENT

M

ental illness is an extremely personal and sensitive issue, yet it doesn’t discriminate. It torments people of all walks of life: our co-workers, friends, neighbors, and our families. Unfortunately, treatment can be elusive, confusing and intimidating.

Brooke Morrow, PA-C, and Charlie Rounds, PA-C, have a combined 25 years of experience helping patients in our community. According to Brooke Morrow, “Uptown Psychiatry represents a new and exciting opportunity to offer a modern approach to psychiatric treatment.” Uptown offers both in-person and virtual appointments. “Our goal is to help our patients live their lives not restricted by mental illness. Virtual appointments are a key component.”

Virtual appointments can be completed from a smartphone or computer for maximum convenience.

Uptown Psychiatry provides evaluations and medication management for a variety of conditions, including: ADHD, anxiety, depression and insomnia. In response to the current opioid crisis, medication assisted recovery is also available to help those struggling with alcohol and opioid addiction.

Solution on page 31.

While Uptown does not contract with insurance, they aim to find a balance between cost and value. “Using a direct pay model allows us to provide the best care possible with less administrative burden. We’re also able to ensure complete privacy of sensitive information.” Uptown Psychiatry is currently accepting new patients. For more information, visit UptownPsychiatry.com.

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1130 E Missouri, Suite 580 Phoenix, AZ 85014 P: (480) 542-8202 | E: hello@uptownpsychiatry.com www.uptownpsychiatry.com 24 • February 2021 • NORTH 32ND NEWS

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New Limit Soon To be Imposed on Homeowners That Want to Go Solar

By Erick O’Donnell

E

ver since the 1980s,when scientists first start to warn publicly of the dangers posed by global warming, the need to replace our carbon-belching system of power generation with clean renewables has been inherently urgent.

One might think the fate of our planet’s eco system – not to mention the human populations that depend on their stability – should suffice to nudge people into embracing solar energy, the planet’s most abundant potential power source, yet regulators and lawmakers seems determined to come up with ever-more-creative ways of adding artificial urgency to the choice to go solar.

Since the Arizona Corporation Commission voted in favor of APS’ 2016 request to pay owners of rooftop solar less for their power than what they sell it for, thereby initiating a new regime in steadily falling annual compensation for solar customers, that urgency has been relative: Do I want great financial rewards this year or just good ones next year? But, with a new rule going into effect soon, homeowners now face an absolute barrier to access that depends on the total power being generated by solar panels in their community, with no certainty over how soon they will indefinitely shut out of the opportunity to go solar.

The new rule limits the proportion of solar-generated electricity allowed to exist within an area served by a substation to 15 percent of its peak capacity.That means that once 15 percent of a service area’s total electric current is supplied by rooftop solar, everyone else who might want to go solar may be left out in the cold.

The rule technically went into effect February 2020, but implementation has varied somewhat by utility; for example,Tucson Electric Power (TEP) has already started screening applications to determine whether their areas are still eligible for new solar installation, but APS has yet to announce an actual start date.

Val Berechet, president of Sunsolar Solutions, a leading local solar sales and

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installation company, is urging his sales force to emphasis the urgency of going solar now before areas get effectively locked out.When TEP began implementing this new screening and review process last year, dozens of homeowners were denied their solar applications with the utility, even after having already signed up to have solar installed on their homes. Once the new policy is put in place with other Arizona utilities, it is expected that other areas of Arizona will hit their maximum quickly, though it is too early to know where and when with any specificity.

Some areas served by APS are sure to be at their allowed imposed limit as soon as the utility starts evaluating applications under the new rule. Buckeye and North Peoria are especially saturated with rooftop solar, Berechet said.“It’s a really bad situation honestly, for both homeowners and everyone in the solar industry,” Berechet said.“It’s almost surreal. We have one customer who just last week was permitted by the city to have their solar system installed,” he said.“Tomorrow, we have to call this customer and cancel their project because the utility denied his solar application due to this new rule.”

The essential environmental and economic factors still favor solar power in Arizona. The state has the third lowest cost per watt for solar panels, and it has the second highest potential solar resources, just after Nevada, according to U.S. Energy Information Agency.

Yet state regulatory decisions have proven to be a drag on solar’s expansion in what should be one of the most favorable environments for the technology. Data from the Solar Energy Industries Association shows yearly residential installation rising steadily from 2010 to 2017 (the year the state’s utilities started paying less for solar-generated electricity than what they sell it for) and slowing declining or stagnating in the years following.

Only time will tell how this new restriction will affect solar energy’s future in Arizona.

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NORTH 32ND NEWS • February 2021 • 27

Getaway A BOUTIQUE ESCAPE IN PARADISE VALLEY

MOUNTAIN SHADOWS OFFERS ARTFUL DESIGN AND DRAMATIC VIEWS

M

ountain Shadows resort set the benchmark for desert luxury and distinctive design when it first opened in 1959 and was completely re-envisioned from the ground up in 2018. The independent, boutique property is notable for its ideal location and sleek architecture that frames iconic views of Camelback Mountain.

Guestrooms here are bright and contemporary, whether you choose an Immerse Guestroom featuring a bathtub with mountain views, or the Camelback Presidential Suite with its spacious terrace looking onto Camelback.

The Residences are perfect for celebrating milestones, with fully appointed kitchens, spacious living areas, and everything you need to feel at home.

featuring stargazing and astrology-themed cocktails; Spirited Sipping Seminars, the perfect combination of learning and libations; and Zodiac Yoga & Sound Healing, held atop the scenic rooftop deck under the stars.

HEARTH ‘61 On May 24, 1961, Paradise Valley became an officially incorporated town. Hearth ‘61 seeks to honor the town’s beginning by serving as a welcoming spot where people gather together for good food and good times. Enjoy seasonal fare from renowned Chef Charles Wiley, craft cocktails, local brews, and an award-winning wine selection.

Rest easy knowing that Mountain Shadows is following all the latest health guidelines. The resort’s Pristine Clean program includes extensive protocols, from socially distanced dining to enhanced cleaning procedures and daily employee wellness checks. Take advantage of plenty of outdoor space, from patio dining to poolside lounging and 18 holes of par-3 golf.

THE SHORT COURSE Golf.com recently named this among the “best par-3 courses in America.” The fully rebuilt course, which dates to the original resort, features dramatic mountain views and eighteen par-3 holes, each with an interesting personality. Unlike a traditional course that takes five to six hours to play, this course can be played in just 2.5 hours. Rusty’s is the perfect spot to enjoy a bite and a beverage after teeing off.

For memorable events and meetings, Mountain Shadows features 12,500 square feet of indoor space and 25,000 square feet of stunning outdoor space. Choose from Paradise Ballroom and Terrace, intimate boardrooms, and outdoor venues, including a rooftop deck overlooking Camelback Mountain. Planning your nuptials? Enhance the magic of your special day with gorgeous grounds, superb catering options, and luxurious amenities. The new Intimate Weddings Package is designed with smaller gatherings in mind, offering space for up to 30 guests to safely celebrate.

THE CITIZENS CLUB The Citizens Club pays homage to the Citizens Committee for the Incorporation of The Town of Paradise Valley, which officially founded the town in 1961. It’s a place to gather, socialize and refocus your mental and physical health. Relax by one of two pools and bask in the sun and shadows of Camelback Mountain and Mummy Mountain. Watch the sunset while sipping innovative cocktails, or work on your wellness goals in the premier fitness facility, featuring yoga, Pilates, and even Guided Photography Hikes.

The resort also features one-of-a-kind events for guests and locals alike, including Cocktails Under the Cosmos,

Mountain Shadows is located at 5445 E. Lincoln Drive in Paradise Valley. Learn more at mountainshadows.com.

28 • February 2021 • NORTH 32ND NEWS

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*WINE*

(Choose Two Glasses)

2015 Bella Radici Chardonnay 2016 Quilt Napa Cabernet Sauvignon 2017 Pillsbury Mouvedre

additional food modifications, BEVERAGES, TAX & GRATUITY NOT INCLUDED This menu cannot be combined with any discounts or other promotions

BOTTOMLESS BUBBLES EVERYDAY 10 AM3PM (Choose Two Glasses)

2015 Bella Radici Chardonnay 2016 Quilt Napa Cabernet Sauvignon 2017 Pillsbury Mouvedre

additional food modifications, BEVERAGES, TAX & GRATUITY NOT INCLUDED This menu cannot be combined with any discounts or other promotions

**consuming raw or undercooked meat, eggs, poultry or seafood may increase your risk of foodbourne illness

MON/TUES SPECIAL

BOTTOMLESS BUBBLES

Any pizza with a bottle of wine Dine-in only

10 am-3pm

$10 GIFT CARD Good towards anything on the menu Use code “TENOFF” for online ordering. Expires 2/28/2021

35 Pizza and a Bottle

$

15 Everyday

$

www.pvpieandwine.com | NW Corner of Tatum & Shea myhyperlocalnews.com

NORTH 32ND NEWS • February 2021 • 29

Entertainment

Must-Watch Streaming Movies & Shows NETFLIX

AMAZON PRIME

I Care A Lot A con artist gains court appointed legal guardianship over elderly citizens, trapping them and gaining control over their finances. Little does she know that her latest victim is a powerful gangster and may be the final line that ends not only her scams but her life.

Starring Rosamund Pike and Peter Dinklage. On Netflix February 19.

Malcolm & Marie This film starts out focusing on a couple taking time out to spend some alone time together after a successful night for one of them. When everything they have worked for seems to finally be within their reach, they are put to the test as they both discover things that shatter the image of their relationship and each other. Sam Levinson (Euphoria) directs the Zendaya and John David Washington led film. On Netflix February 5.

Space Sweepers The year is 2092 and the Earth is on the brink of destruction. For the salvage crew of The Victory an unintended run-in during a trading mission leads this group of misfits to unearth explosive secrets that could cost them their lives or provide them with their last chance to escape the planet. On Netflix February 5.

30 • February 2021 • NORTH 32ND NEWS

To All The Boys - Always And Forever This teen romantic comedy is based on Jenny Han’s 2017 novel “Always and Forever, Laura Jean.” A sequel to “To All the Boys: P.S. I Still Love You” and is the third in the “To All the Boys I’ve Loved Before” trilogy. In this installment, Lara Jean is about to graduate high school, the next step in what she thought was an ideal life. Thanks to two life changing trips she begins to reimagine her future with family, friends and worse yet, her boyfriend Peter. Was the life she once imagined the future to be just a fantasy? On Netflix February 12.

Bliss A love story following Greg (Owen Wilson) who, after being divorced and then fired, meets the mysterious Isabel (Salma Hayek). Unbeknownst to Greg, Isabel is a drifter living on the streets and convinces Greg that the world they live in is a computer simulation. Isabela believes that there’s a happier, better life beyond this one. Directed and Written by Mike Cahill. On Amazon Prime February 5.

There’s Someone Inside Your House What should be a period of celebration for Makani and her friends turns into a nightmare. A serial killer is stalking and killing the students at their school, using their secrets to torment them.

The clock is ticking for them to find the killer before they become its next target. Based on the book by Stephanie Perkins. On Netflix this month.

. myhyperlocalnews.com

LOVECRAFT

AIOLI GOURMET BURGERS

ADDRESS: 10652 N. 32nd St., Phoenix PHONE: 602-971-5555 CUISINE TYPE: Burgers Whether you’re in the mood for a juicy burger, a fresh salad, or a thick and creamy shake, there is something on the menu for everyone. Order online at AioliBurger.com.

www.AioliBurger.com

BOOTLEGGERS MODERN AMERICAN SMOKEHOUSE

ADDRESS: 3375 E. Shea Blvd., Phoenix PHONE: 602-996-4228 CUISINE TYPE: Barbecue Bootleggers is a local hidden gem that has been featuring smoked foods, moonshine and a fun cocktail list. On AZCENTRAL.com list of the TOP 100 Burgers in the Valley, our Bootlegger Burger was listed as a "stand out" and made the top of the list!

www.BootleggersSmokehouse.com CROSSWORD ANSWER from page 19

SUDOKU ANSWER from page 24

ADDRESS: 10626 N. 32nd St., Phoenix PHONE: 602-867-7432 CUISINE TYPE: Coffee. Food. Cocktails.

Indie, local, and full of good vibes, 32 Shea guests can enjoy locally roasted coffee and espresso with housemade syrup for a unique latte, in addition to breakfast, craft sandwiches, salads, vegan entrees, small plates, and dinner choices.

www.32shea.com WOOD FIRED PIZZERIA GELATO SPOT

ADDRESS: 10608 N. 32nd St., Phoenix PHONE: 602-494-4010 CUISINE TYPE: Pizza & Desserts We make food based on strict old-world standards with the freshest ingredients and most-exclusive imports. Enjoy healthy options including appetizers, panini, salads, pasta, wood fired pizzas, and of course, our world renowned gelato.

www.GelatoSpot.com/phoenix-location

Your Guide to Local Dining

www.LovecraftPHX.com

32 SHEA

Bites

ADDRESS: 3128 E. Cactus Road, Phoenix PHONE: 602-237-5046 CUISINE TYPE: Ale House. Bottle Shop. New Mexican Smoke Kitchen.

ROOFTOP PATIO opening this month!

Lovecraft serves up spicy New Mexican cuisine with Texas-style smoked meats including smoked prime rib on the weekends. Though we’re known for our extensive list of over 130 craft beers, we have a full bar with crafted cocktails, wine, mead and cider. Try our new plant-based menu too!

GYRO HOUSE 32

ADDRESS: 12308 N. 32nd St., Phoenix PHONE: 602-601-5469 CUISINE TYPE: Mediterranean February 14 Special: Buy Two 3-Step Entree Includes Pita and Tzatziki: $12 Step 1, Pick a Base: Rice or Greek Salad.

Step 2, Pick a Protein: Lamb/Beef or Chicken Gyro, Beef or Chicken Shawarma, Falafel.

Step 3, Pick Two Sides: Hummus, Baba Ghanoush, Stewed Veggies, Sliced Cucumber.

Get Dessert for two: Choice of red velvet or chocolate cupcakes. No substitutions.

www.GyroHouse32.com

Please check each restaurant’s website or call for the most up-to-date hours, takeout and delivery options, as well as menu items.

Thank you for supporting local businesses!

myhyperlocalnews.com

NORTH 32ND NEWS • February 2021 • 31

YOUR NEIGHBORHOOD’S HOME PRICES

ARE ON THE

RISE!

Annual Median Sales Price

1/20/2021

Single Family Detached -ARMLS Residential Resale Measured Monthly as of Jan. 6, 2021 median-annual

1/20/2021

Annual Median Sales Price

85028

85028

© 2021 Cromford Associates LLC

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020

$450,000 $400,000 $350,000 $300,000 $250,000 $1,000,000 $200,000 $150,000

85032

January 6, 2021

© 2021 Cromford Associates LLC

$400,000

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020

$350,000 $300,000 $250,000 $200,000 $1,000,000 $150,000 $100,000

$100,000

$50,000

$50,000 $0

Annual Median Sales Price

85032

January 6, 2021

$500,000

median-annual

Jan

Feb

Mar

Apr

May

Jun L Jul

Aug

Sep

Oct

Nov

Single Family Detached - ARMLS Residential Resale - Measured Monthly

$0

Dec ZEA01

Jan

Feb

Mar

Apr

May

Jun L Jul

Aug

Sep

Oct

Nov

Real estate experts across the board are predicting that home values in Arizona will continue to rise in 2021. If you’re curious what your home is currently worth visit us at www.livazrealty.com/whats-my-home-worth and we will give you a FREE accurate evaluation in less than 60 seconds!

DON’T MISS OUT ON THE COUNTRY’S HOTTEST REAL ESTATE MARKET!

https://cromfordreport.com/member-only/analysis/by-ZIP/by-ZIP-median-sales-price-annual.html

https://cromfordreport.com/member-only/analysis/by-ZIP/by-ZIP-median-sales-price-annual.html 1/1

602.300.0797

Dec

Single Family Detached - ARMLS Residential Resale - Measured Monthly

ZEA01

LYNN JANSON - BROKER OWNER

480.399.7051

JOHN CABEZAS - REALTOR® OWNER

1/1

See page 21 for John’s monthy real estate article

For a full list of comps for your neighborhood, call (602) 300-0797 or email us at lynn@livazrealty.com.

LET’S REFINANCE YOUR HOME AND SKIP THE APPRAISAL! VIP Mortgage is happy to announce that we approve many loans without the need of an appraisal.

Eligible Transactions: - Purchases up to 80% - owner occupied - One-unit properties including condominiums - Rate and term refinancing up to 90% - Cash out refinancing up to 70% Check with me regarding ineligible transactions

Reach out to me and I’ll explain how you can potentially benefit from this appraisal waiver offer.

BOB WASIEKO NMLS 243140

Branch Manager

480-257-9080 9221 E Via de Ventura Scottsdale, AZ 85258 bobwasieko@vipmtginc.com bobwasieko.vipmtginc.com V.I.P Mortgage Inc. does Business in accordance with Federal Fair Lending Laws NMLS ID 145502 AZ Mortgage Banker License No BK 0909074 VIP Is not acting on behalf of or at the direction of the FHA/HUD or the Federal Government. This product or service has not been approved or endorsed by any governmental agency and this offer is not being made by any agency of the government VIP is approved to participate in FHA programs but the products and services performed by VIP are not coming directly from HUD or FHA Information rates and programs are subject to change without notice All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts Other restrictions may apply .This is not an offer to enter into an agreement. Not all customers will qualify.