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August 2020
Vol. 3 • No. 5
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In This Issue City News.................................. 4-9 Education.................................... 10 Kids’ Corner................................ 11
Health......................................... 14 Legal........................................... 15 Real Estate................................. 17 myhyperlocalnews.com
Business Directory................ 18-20 Must Watch................................ 22 Bites........................................... 23
STATEPOINT CROSSWORD - THEME: DR. SEUSS ACROSS 1. On a cruise, 2 words 6. Horse poker 9. Deadly slitherers 13. Way to curl hair 14. *Today is gone. Today was fun. Tomorrow is another ____.” 15. Islam’s Supreme Being 16. Subway coin 17. Salve for Tin Woodman 18. Grim Reaper 19. *”A ____’s s Fine-Something-ThatAll-People-Need.” 21. *”Christmas Day will always be, Just as long as we ____ ____.” 23. Structure named for 31st President 24. Indoor allergy trigger 25. Ship pronoun 28. H. H. Munro’s pen name 30. Something or anything 35. Madam, to a cowboy 37. Dr. Jones, to his friends 39. Best not mentioned 40. Not in favor of 41. Myths and legends, e.g. 43. Maître d’s list 44. France’s longest river 46. *”I Can Read ____ My Eyes Shut!” 47. Use a beeper 48. In direct line of descent 50. Italian car maker 52. Equinox mo. 53. Coral barrier 55. Not a friend 57. *”From there to here, From here to there, Funny ____ are everywhere.” 60. *”Unless someone like you cares a whole awful lot, Nothing is going to get better. ____ ____.” 63. Canine foe 64. However, poetically 66. Full 68. Up and about 69. Porridge grain 70. Say something 71. Start of a conclusion 72. Parental involvement org. 73. Popular garden flower
DOWN 1. *”Step with care and great tact. And remember that life’s A Great Balancing ___.” 2. Turkey dance 3. Punjabi believer 4. Correct 5. Pause in breathing, pl. 6. *”If you never did, you should. These things are fun and fun is ____.” 7. “Wheel of Fortune” request, 2 words 8. Indian metropolis 9. Sheltered, nautically 10. BBQ side 11. Toupee spot 12. “Zip it!” 15. Countdown to Christmas 20. Inbox item 22. Chowed down 24. Middle of a torso 25. *”A person’s a person, no matter how ____.” 26. Capital of Vietnam 27. Dine at home 29. *”You’re on your own. And you know what you ____.” 31. Pipe smoker’s tool 32. Letter-shaped girder 33. Polynesian kingdom 34. *”Today you are you, that is truer than true. There is no one alive who is ____ than you.” 36. Bog down 38. Sasquatch’s Himalayan cousin 42. Elevator passage 45. Breadwinner 49. Race part 51. 50-50 54. Bar by estoppel 56. Related on mother’s side 57. Baloney 58. Rwanda’s majority 59. a.k.a. The Islamic State 60. Itty-bitty bit 61. ___ von Bismarck 62. Not quite an adult 63. Latissimus dorsi, for short 65. *”It’s a shirt. It’s a sock. It’s a glove. It’s a ____.” 67. Wine quality
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City News Taphouse Kitchen Under New Ownership, to Re-Open Soon By Michelle Talsma Everson RANDY TEFFETELLER AND JOE MANZELLA OF TABLESIDE PARTNERS HAVE DECADES OF HOSPITALITY EXPERIENCE IN CALIFORNIA AND NATIONWIDE. Between the two they’ve won awards for business, beer and even brunch. This is good news for local fans of the two popular Taphouse Kitchen locations because just a few weeks ago it was announced that both restaurants, in Phoenix and Scottsdale, were sold to Tableside Partners.
August as we continue to navigate the paperwork process and liquor license transfers, obviously impacted by this pandemic,” the two shared on social media. Manzella views the two Taphouse Kitchen locations as the first two of many Arizona-based projects. He emphasizes that the restaurants are “here for the guests” and the menus are keeping some fan favorites while also being updated with some delicious new items based on customer feedback his team has received. He’s especially excited for the weekend brunch options.
“Tableside Partner Joe Manzella is an ASU grad and current resident of north Scottsdale after moving here 13 months ago. So yes, the restaurants are going to have a very large local presence in terms of ownership and involvement,” the pair shared on Taphouse Kitchen’s Facebook page. “Partner Randy Teffeteller resides in southern California.”
With customer and employee safety in mind during the COVID-19 pandemic, Manzella assures that the two Taphouse Kitchen locations will be using all of the cautions necessary to help reduce risk. This includes mandated masks, hand sanitizer stations, extensive cleaning procedures, spaced out seating for social distancing, and they’re evaluating a new cleaning technology to implement.
Manzella says that he founded the iconic TAPS Fish House and Brewery in Brea, California in 1999. Shortly thereafter, he opened additional locations in Irvine and Corona, purchased the long-standing Orange County institution, The Catch in Anaheim, and most recently built Orange County’s most popular new brewery/tasting room TAPS Brewery & Barrel Room.
“We’re beyond ecstatic to own both Taphouse Kitchen locations and to be in Arizona,” Manzella shares. “This area is a new frontier for our restaurant group. We look forward to becoming part of the community and growing our brands right here in Phoenix and Scottsdale.”
Teffeteller founded Hospitality Management Group (HMG) in 1999. During HMG’s tenure, Teffeteller was the CEO/Managing Partner of the fund and assets, managing over 20 different brands nationally. HMG’s portfolio included Southern California’s renowned Aysia 101, Bistro 201, Diva, Kachina, Topaz Café, Newport Fish Company, and BB Kings Blues Clubs at Universal City Walk, uptown New York and Memphis, Tennessee.
To keep updated on the latest news about Taphouse Kitchen’s two locations re-opening, follow them on Facebook @taphousekitchen.
Now, the two have launched Tableside Partners (TSP), an innovative hospitality investment venture with a portfolio of iconic brands ready for national expansion, while simultaneously offering consulting and investment advisory services for concepts they feel will prosper from their platform and brand growth strategies, according to the duo. With the purchase of both locations confirmed and renovations underway, the doors will soon be open. “We are looking to open both locations sometime in late
4 • August 2020 • NORTH 32ND NEWS
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City Ci ty NNeews “Hot Desert, Cold Cases” Seeks Info in Unsolved Valley Homicides the remainder of your life,” Petersen says. “How do you do that?”
By Jenna-Lee Neff ONE OF THE FEW CRIMES WITHOUT A STATUTE OF LIMITATIONS IS A HOMICIDE. But time proves to be the enemy in many investigations, leading to a growing queue of cold cases. A new initiative by the Phoenix Police Department seeks to bring those cases back to the spotlight. “We want the community to understand that a homicide is never closed until it is solved,” explains Phoenix Police Sergeant Tommy Thompson. “Until that happens, the victims and their loved ones won’t have peace.” “Hot Desert, Cold Cases” brings cases handled by the Phoenix Police Cold Case Homicide Unit back to the community eye through short, informational episodes designed to jog the memory of viewers for potential leads. These videos and accompanying case information are also being shared on the department’s other social media profiles. “Getting attention out about the cases is important,” Thompson shares. “There may be witnesses who obtained information first, second, third or even forth hand. Someone may have heard someone talking about someone who heard someone talking.” Thompson shares that the department recently solved a cold case from 1978, and while victims’ families, former officers, and detectives on the case may have passed away, it is still important to try to put these cases to rest. Due to the COVID-19 pandemic, people are spending more time at home, giving crime enthusiasts and even the general community the opportunity to dig in on older cases with fresh eyes. Thompson encourages people to not only look at “Hot Deserts, Cold Cases” but to also visit the Silent Witness website to view other cases. “I can envision people at home becoming super sleuths to try and solve the cases,” he says. “…Despite our myhyperlocalnews.com
There are two persons of interest in the case – Ricardo Sanchez-Molinares, also known as Butcho, and Fermin Gomez, also known as Mini. Both were mentioned in interviews pertaining to the case, and it is suspected that they traveled to Mexico after the murder.
best efforts, it is very difficult to solve a homicide without the community. We need their help.” Getting information out about the cases not only help solve the crime but also lets the victims’ loved ones know that the case has not been forgotten. “We want the families of the victims to know we never give up on the cases involving their loved ones,” Thompson says. The first case featured in the initiative is the murder of Lynsey Chainhalt on June 13, 2003. The 20-year-old was the designated driver, taking herself and three friends home after attending a party in the East Valley.
been followed by Phoenix police, but none have provided a break in the case. “Even though I’ve been retired 3.5 years, I still think about this case,” Schira says. “Especially on the anniversary dates.” Chainhalt’s mother, Judi Petersen, describes her as smart, determined, a tried-and-true friend with a great heart. She hopes that even though years have passed, someone will come forward with information to finally bring peace to the case. “I just don’t know how, if you had any knowledge of something like this, something so brutal, four people, four kids… how you could keep that in for
Chainhalt’s case has been featured several times in the Valley in recent years in attempts to get justice for Chainhalt’s family and her friends in the car that night. “She was worthy, she deserved a chance in life,” Petersen says. “She would have done good things.” Readers can keep up on the latest “Hot Desert, Cold Cases” episodes by following the Phoenix Police YouTube channel. If readers have any information regarding Lynsey Chainhalt or any other cold cases featured in the initiative, they are urged to contact Silent Witness at 480-Witness or leave an anonymous tip on the Silent Witness website, silentwitness.org. Tips are kept anonymous and there is potential for a cash reward.
Retired Phoenix Police Detective William Schira, who spent the final 8.5 years of his career on the case, explained the events of the evening. “As they were going northbound on I-17, somebody in a dark-colored Tahoe or Blazer threw a beer bottle at them,” he says. The suspect’s car then followed Chainhalt to the area of 20th Street and Grovers where three Hispanic men got out and fired 19 rounds into the car, killing Chainhalt and injuring her friends. Suspects fled the scene and, aside from the other passengers in Chainhalt’s car, there are no known witnesses. Her friends were unable to identify the shooters and numerous leads have NORTH 32ND NEWS • August • 5
City News FitPHX Goes Virtual with Summer Programs FITPHX, THE CITY’S HEALTHY COMMUNITY INITIATIVE, IS NOW OFFERING ITS SUMMER 2020 ACTIVITIES VIRTUALLY TO HELP RESIDENTS STAY HEALTHY AND ACTIVE DURING THE COVID-19 PANDEMIC. Eight weeks of programming began last month and includes the popular Fitness Bootcamp and Fall Into Fitness series that locals
can join in anytime. The schedule also features a new monthly Morning Yoga series. All three programs are presented thanks to the sponsorship of AARP Phoenix and other supporting partners.
join the live stream via Zoom. Participants will also need to download the free Zoom app through the iTunes or Android store, or search for and download it through their Internet service provider.
These programs are free, but registration is required. Registered participants will receive a unique code to virtually
FITNESS BOOTCAMP Fitness Bootcamp, presented in partnership with Valley of the Sun YMCA, will be held each Monday until August 31 from 6 to 7 p.m. YMCA instructors lead this circuit-style class that combines cardio, strength and speed for a heart-pumping workout that will bring participants’ fitness to the next level. This is designed as a fun and supportive 60-minute session. FALL INTO FITNESS Fall Into Fitness, presented in partnership with Energized by Exercise, is a family-oriented fitness program for all ages and experience levels. It will be held each Tuesday until September 1
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from 6 to 7 p.m. Professional instructors will lead calorie-burning classes such as Turbo Kick LIVE, Zumba, P90X LIVE, PiYo, HIGH Fitness and Core de Force. The workouts are fun, interactive and designed to get people moving, and are set to popular music. MORNING YOGA Morning Yoga, presented in partnership with Sutra Studios, is designed for all ages and experience levels. It will be held every third Saturday of the month until December 19 from 9 to 10 a.m. Jump start your day, wake up your body and get your energy flowing. Learn more about other city health and wellness initiatives on the FitPHX webpage at phoenix.gov/parks/fitphx. The Phoenix Parks and Recreation Department is offering a variety of other free virtual programs and activities this summer. Learn more at Phoenix.gov/Parks.
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St. Vincent de Paul Hosts Can-struction Pantry Challenge FROM ROBOTS TO FORTS AND EVEN A FISH, THE CANNED-GOOD STRUCTURES FAMILIES ARE BUILDING FOR A UNIQUE ST. VINCENT DE PAUL (SVDP) FOOD DRIVE ARE TAKING ALL KINDS OF CREATIVE SHAPES AND FORMS. The idea behind the Can-struction Pantry Challenge is simple: • Build a structure out of nonperishable food items you find in your pantry. • Donate the food you use in your structure to SVdP. • Post a photo of your creation on social media using the hashtag #SVdPPantryChallenge and challenge three friends to build something bigger, funnier or more creative. “With so many families still staying close to home, we thought this would make a great family-fun activity that also helps out the community,” says Emily Radawec, the SVdP community drives manager. SVdP hopes that fun food drives like this will help recuperate some of the food donations lost from cancelled drives due to the COVID-19 pandemic. Typically, SVdP springtime drives bring in hundreds of thousands of pounds of food that help get the nonprofit
through the summer and into the fall. Those donations keep the kitchen, dining rooms and food boxes for home visits stocked. “Understandably, many offices and community groups could no longer meet in-person to put on their food drive for SVdP,” Radawec explains. “But this is a way to still be part of a collective good right from your home and help some neighbors in need.” Participants can drop off their can-struction donations at SVdP’s Main Campus (2120 S. 3rd Drive in Phoenix). Donations can also be made online at stvincentdepaul.net/pantrychallenge. SVdP will put every cent toward purchasing food to help feed families, especially with so many more turning to the nonprofit for food assistance during the pandemic. The Society of St. Vincent de Paul is an international nonprofit organization dedicated to serving people in need and providing others with the opportunity to serve. SVdP has been assisting central and northern Arizona families since 1946 and has more than 80 parish satellite locations. It offers services for the homeless, medical and dental care for the uninsured, charity dining rooms, transitional housing, and homelessness prevention assistance.
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City News North 32nd Resident Releases First Book By Jenna-Lee Neff AFTER BUILDING A SUCCESSFUL CAREER IN SOCIAL MEDIA MARKETING, DESIREE MARTINEZ, WHO JUST MOVED TO THE NORTH 32ND NEIGHBORHOOD, IS OPENING UP TO SHARE HER TRIALS AND EXPERIENCES ALONG THE WAY IN HER FIRST BOOK, “INNOVATION FROM DESPERATION: THE UNFILTERED FAILURES & SUCCESSES OF AN OG SOCIAL MEDIA MARKETER.” “It is a business memoir about all the highs and lows of being a woman business owner at the dawn of social media marketing,” Martinez describes the book. “You will laugh, cry, and want to take a ‘shelfie’ with this book.” The book, which recently released on Amazon, interlaces Martinez’s experiences in building her career and reputation as a social media guru while giving the readers insightful tips on becoming better content creators. While sharing the good, the bad and the ugly of her own journey, she also coaches the reader on finding innovation and sharing it with the world.
“I love how everything and everyone becomes accessible with a couple of thumb scrolls,” Martinez says. “I have been able to build a global network of friends and clients, I have gotten to reconnect with old friends, share my life with friends and family when I am too far away to access, and find amazing businesses and brands to love on.” Married in 2013, Martinez became a military spouse balancing her business and the demands of a growing family through deployment and duty. The primary breadwinner for her family as her husband recovers from PTSD, she found the marketing books currently on shelves to be amazing, but they fell short of creating a personal connection with her. “No one was talking about the balance struggle of being an entrepreneur, wife and mom that I was going through,” Martinez shares. “Additionally, I have done so much with social media and these mini-stories have value and a lesson I wanted to share.” The book is now available on Kindle or paperback format from Amazon. com.
To learn more about Martinez and her career in social media marketing, visit mrsdesireerose.com. To keep up with the latest updates, information, and industry tips and tricks, follow Martinez on Instagram and YouTube @mrsdesireerose.
Diamondbacks Regular Season In Full Swing MAJOR LEAGUE BASEBALL ANNOUNCED THE 2020 60-GAME D-BACKS SCHEDULE, WHICH WILL CONSIST OF 10 GAMES AGAINST THE COLORADO ROCKIES, LOS ANGELES DODGERS, SAN DIEGO PADRES AND SAN FRANCISCO GIANTS PLUS INTERLEAGUE MATCHUPS AGAINST ALL FIVE AL WEST TEAMS. The D-backs will face the Houston Astros (six games), Oakland Athletics (four), Texas Rangers (four), Seattle Mariners (three) and Los Angeles Angels of Anaheim (three).
two-game series against the Rangers in the first-ever homestand at Globe Life Field. The Rangers and A’s will each come to Chase Field for a two-game series during the 2020 season while the Astros and Mariners will both play three games at Chase Field. The only AL West city that the D-backs will not play in is Seattle while Arizona will not host the Angels.
The D-backs (@Dbacks @LosDbacks) opened the season on July 24 at Padres, marking the first time in franchise history that the team has started a season in San Diego. The home opener was held at Chase Field on July 30 vs. Dodgers, one of seven home games against Los Angeles while the team will play only three games at Dodger Stadium. The 7-3 split of home-to-road games will also be the case against the Rockies, while the D-backs will host the Padres and Giants just three times while playing seven games each in San Diego and San Francisco.
At this time, tickets are not available for games to be played at Chase Field. If tickets do go on sale for future games, additional information will be made available.
The first road trip of the season will see the D-backs play a 8 • August 2020 • NORTH 32ND NEWS
Arizona will close out the season with a five-game homestand from Sept. 22-27 vs. Texas and Colorado.
All games will be carried on FOX Sports Arizona or FOX Sports Arizona Plus and streamed on the FOX Sports GO app unless selected as a national television game. On radio, all games will be available on Arizona Sports 98.7 FM or ESPN 620 AM in English and TUDN 105.1 FM in Spanish. To view the full schedule, visit dbacks.com/2020. The 2021 schedule is expected to be announced soon. myhyperlocalnews.com
City News Making Macarons: Local Teen Serves Sweet Treats By Jenna-Lee Neff NEED TO SATISFY A SWEET TOOTH? Avah Montgomery has you covered. This talented teenager has taken her love for baking and turned it into a passion project for the local community to enjoy. Montgomery, 13, took to Nextdoor and Facebook to share her homemade macarons with friends and neighbors. Like many adolescents and adults alike, Montgomery says the ongoing pandemic has led to an increase in anxiety and free time on her hands. After many of her plans such as trips and camps had to be cancelled due to COVID-19, she began to plan weekly dinners she could make for her family. The first week was Mediterranean-themed. “While I was thinking about what dessert to make, I instantly thought of pistachios and began connecting this idea to macarons,” Montgomery shares. She shares that her passion for baking started when she was very young, baking chocolate chip cookies with her mom on Saturday mornings. She first started making macarons about three years ago. “For me, baking is a way to relieve some
of the anxiety that I feel in the world,” she says. That first batch came out perfect and inspired her to share her sweet creations. Montgomery began posting about the macarons on social media, set up a Venmo account for payments, and tested for her Food Handler’s Card to learn more about safety regarding kitchens. Her first order, vegan macarons, sent her back to the books. Montgomery found that chickpea brine, called aquafaba, replaced egg in the vegan version. And after some trial and error, she had a product she was ready to share. The vegan macarons were a success and another opportunity for her to grow her knowledge. She shares that her favorite part of the process is hearing what others have to say after they’ve tried the macarons. “I love getting both positive feedback and constructive criticism,” she says. “Anything that I can do to improve my macarons or customer service is vital to my project.” So far, Montgomery has created macarons in pistachio, vegan, vanilla, strawberry and apple pie. She shares that pistachio is her favorite because she also gets to make the pistachio flour that goes
into them. She looks forward to trying more interesting and wild flavors in the future. As the new school year approaches, Montgomery has a plan. She says she will continue to bake her macarons, cutting back when she needs to in order to study. She will also continue to take specialty orders. “Since first grade, my parents and I have firmly believed that school is the priority,” Montgomery shares. “I love to learn and grow, and more importantly, I always put in the effort to do work that I am proud of.” When she isn’t busy with her passion project or education, Montgomery is an avid reader and dedicated to learning the art of acting. “Everything I do makes me happy,” she says. “I believe that it is very important
to do what you love and become who you want to be.” To learn more or place your own order, you can reach out to Montgomery at awolfmontgomery@gmail.com.
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NORTH 32ND NEWS • August • 9
Education PVSchools Governing Board Appoints New Leadership Positions
F
or the 2020-21 school year, the PVSchools Governing Board has appointed several new district office administrators, as well as six new principal and three assistant principal assignments.
served as the assistant director of transportation. He joined the district in 2019 from Baltimore County Public Schools where he was the senior operations manager. Anthony Izzo III was appointed as the assistant director of transportation. He comes to the district from First Transit (Valley Metro) where he worked since 2015 and most recently served as the operations manager.
NEW ADMINISTRATORS Dr. Shaun Holmes was appointed as the director of human resources – certified. He joins PVSchools from Mesa Public Schools where he served as the associate superintendent of human resources, 2019-present, as well as the assistant superintendent of human resources. Prior to Mesa Public Schools, Holmes was employed at Scottsdale Unified School District where he served as a director, principal, assistant principal, and teacher. Dr. Patrice De La Ossa was appointed as the coordinator of PVOnline. She joins PVSchools from the J.O. Combs Unified School District where she served as a science and social studies specialist since 2019. Dr. De La Ossa has served as an adjunct educator at Northwestern University since 2016. She was an educator at Seattle Public Schools from 20072017. De La Ossa was an adjunct professor at Antioch University from 2006-2015. She was also employed as a writer at ApexLearning, Inc. from 2011-2012. Brandon George is the new director of transportation. For the 2019-20 school year, George
10 • August 2020 • NORTH 32ND NEWS
NEW PRINCIPALS Dr. Danielle Else was appointed as Fireside Elementary School’s principal. She joined PVSchools in 2017 as a teacher and most recently served as a teacher on assignment. Else was previously employed at Scottsdale Unified School District as an enrichment coach from 20132016. She has also been employed at Palos Verdes Peninsula Unified School District in California from 2001-2006. Jennifer Penoyer is the interim principal of Liberty Elementary School. She joined the PVSchools family in 2011 as a teacher and, since 2017, has served as an administrative intern. Prior to PVSchools, Penoyer taught in Florida and Virginia. Patrick Clancy is transferring to Mountain Trail Middle School where he will be the school’s new principal. He previously served as director of human resources – certified for the past four years. He joined the PVSchools family for the 2000-01 school year and has held many roles including principal, assistant principal, dean of students, and teacher. Dr. Aaron Freed was appointed the principal at Pinnacle Peak Preparatory School. He comes to PVSchools from Archuleta School District 50 where he served as assistant principal/athletic director since 2015. Freed was also employed
at Roseville Area Schools Independent School District and Osseo Area Independent School District, both in Minnesota. Jesse Kinney-Alcazar is the new principal at Sandpiper Elementary School. Kinney-Alcazar joined PVSchools in 2019 as an instructional coach. She was previously employed at Scottsdale Unified School District from 2010-2017 where she served as a principal, assistant principal, and director of state and federal grants. Teresa Simmons was appointed as the interim principal at Sunset Canyon Elementary School. She was previously the principal at Fireside Elementary School. Simmons joined the PVSchools family in 1996 as a teacher and also worked as a teacher on assignment prior to being named principal in 2009. NEW ASSISTANT PRINCIPALS Jorge Ontiveros is the new assistant principal at Greenway Middle School. He previously served as the assistant principal at North Canyon High School. Ontiveros has been employed with PVSchools since 2009 and held the following positions: dean of students, administrative intern, and teacher. Matthew Lersch was appointed as an assistant principal at North Canyon High School. He joins the district from Phoenix Union High School District where he served as the academy administrator since 2015 and as the special education facilitator from 2012-2015. Prior to working for Phoenix Union High School District, Lersch was employed at Tolleson Union High School District from 2006-2012. Kimberly Koda is the new assistant principal at Pinnacle High School. She joined the PVSchools family in 2011 as a teacher and most recently, she has served as dean of students.
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Kids’ Corner Art, Culture, and Science for Local Kids By Jill “MamaBug” Frier
A
s parents and caregivers, we are constantly looking for opportunities to help our children grow and learn in creative, innovative ways. This is especially true these days while kids are largely stuck at home during the ups and downs of the COVID-19 pandemic. Fostering a love of art, creativity, and scientific exploration is a great way to keep your youngsters thinking and growing mentally, socially, intellectually, and emotionally. No matter how you encourage your children to express themselves and their interests, the act of creating and learning will help your child grow and develop. Most of the local museums are temporarily closed, but if you want to get the kids out of the house for a while and do something fun and educational, we found a few local venues that are open to the public right now. Be sure to call
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ahead or check them out online before you go, but these businesses are currently welcoming visitors, so put on your masks and give them your support. HEARD MUSEUM heard.org Founded in 1929, the Heard is internationally recognized for the superior quality of its collections, world-class exhibitions, educational programming, and unrivaled festivals. The museum has one of the largest and most outstanding collections of American Indian artwork in the country. It includes historic, cultural, and fine art collections of more than 3,600 pieces, and extensive documentation of the development of the American Indian Fine Art Movement, starting in the 20th century. The Heard is dedicated to the advancement of American Indian art. The museum presents stories of American Indian people from a first-person perspective and exhibits that showcase the beauty and
vitality of traditional and contemporary Native American art. The Heard Museum is a Phoenix treasure that provides visitors with a unique perspective of our cultural heritage in the Southwest. It’s a one-of-a-kind attraction and a must-see museum, welcoming visitors in difficult times to share in its wonders. DESERT CABALLEROS WESTERN MUSEUM westernmuseum.org Known as “Arizona’s Most Western Museum,” the Desert Caballeros Western Museum in Wickenburg is a state-of-the-art museum open to visitors year-round. The museum is less than an hour from most North Phoenix locations and displays a collection of more than 400 works of art about the American West by artists such as Frederick Remington, Charles Russell, and Joe Beeler. It also showcases historical exhibits depicting turn-of-the-century Wickenburg, and has special features
for kids, like the “Out on the Ranch” exhibit. An affiliate of the Smithsonian Institute, the Desert Caballeros Western Museum is definitely worth visiting and a great day trip to get the family out and about while still keeping cool indoors during the summer. ODYSEA AQUARIUM odyseaaquarium.com The state of the art OdySea Aquarium is the largest aquarium in the Southwest. It boasts two million gallons of water, 60 exhibits, and over 30,000 sea creatures, not to mention one of the best shark-watching restrooms in the Valley. It is best to buy your tickets online in advance, to check hours, get discounts, and avoid waiting in long lines. Be sure to check Ladybug’s Blog at ladybugsblog.com for a more ideas for great places to get your kids out of the house to enjoy world-class arts and culture in the Valley of the Sun.
NORTH 32ND NEWS • August • 11
Cover Story
Make a Splash!
Goldfish Swim School – North Scottsdale Opens its Doors By Michelle Talsma Everson
W
hen you talk to Sherry Scott about her new venture, Goldfish Swim School – North Scottsdale, you can hear the excitement in her voice. This month, the state-of-the-art swimming facility dedicated to teaching children as young as four months to swim, opens its doors at the Scottsdale 101 Shopping Center (7000 E. Mayo Boulevard). The school is the first Arizona-based franchise of the popular national chain and Scott, its owner and general manager, is excited to bring the concept to the Valley. “Instilling confidence in children is such a rewarding experience and we are grateful to have the opportunity to bring such an incredible and necessary business like Goldfish Swim School to the Scottsdale community,” Scott says. “Swimming is a lifesaving skill every child deserves to have access to and Goldfish Swim School has found a way to make it fun and memorable for children.”
At Goldfish, children ages four months to 12 years old sign up for weekly swim lessons. These lessons take place in an indoor, 90-degree pool, that is 70- by 25-feet and holds 8,700 square feet of water. Lessons are provided seven days a week, including evenings and weekends, and are ongoing throughout the year—meaning you don’t need to worry about your child having to relearn how to swim every summer. “Each school offers swim lessons and programs using a proprietary philosophy, The Science of SwimPlay, to build life skills both in and out of the water using play-based learning in a fun and safe environment,” according to Goldfish Swim Schools. “Each school’s number one focus and main priority is always the same – educating children on water safety while teaching them how to swim and respect the water.” Scott shares that Goldfish Swim School operates with busy families in mind. For example, she explains, parents and caregivers can download an app and, if they cannot make a class,
they can easily let Goldfish know with the click of a button. The school also allows multiple make up classes, doing its best to accommodate its customers. Another benefit of Goldfish Swim School to parents of little ones are its “Mommy and Me” style classes where caregivers can get in the water with their littlest swimmers. Scott shares that one unique perk is that, if a young swimmer is able to safely be in the water without a caregiver, then mom and dad don’t need to get in. In addition to highly qualified swim instructors, all of whom are background checked, the pool has a lifeguard on duty at all times whose sole job it is to watch the water. “Added to the lifeguard, every 30 days, our team will do an in-service training to learn how to handle different water emergencies,” Scott says. With COVID-19 at the top of everyone’s minds, Scott assures that Goldfish Swim School – North Scottsdale is taking all of the precautions necessary.
She notes that all swim instructors will have face shields, all swim lanes will be spaced properly apart, and only one parent or caregiver will be allowed in per student. Of course, all high touch surfaces will be sanitized multiple times per day. Scott’s journey to owning and managing a Goldfish Swim School location here in the Valley began in 2018. Entrepreneurship is nothing new to the long-time Scottsdale resident as she and her husband own Cute Smiles 4 Kids & Orthodontics, with 17 doctors and four locations in Arizona and Texas. “I’ve helped grow our dental practices from the ground up, so I am passionate about the health of children and the communities we do business in,” she says. “Goldfish Swim School is my ‘baby’ though and I am so excited to be a part of the franchise.” Scott shares that she is passionate about the brand because “Goldfish is so much more than just a swim school.”
PHOTO BY FLYING ROBOT @FRAERIALS
12 • August 2020 • NORTH 32ND NEWS
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She says the bright colors, friendly atmosphere, and details—even down to the changing rooms—are geared toward their young swimmers. The school perhaps puts it best: “You feel it the moment you walk in. Something different. It’s more than vibrant colors chosen to inspire kids. More than a curriculum crafted to not only teach kids to swim but also to build their character through guided play. More than a shiver-free pool heated to 90 degrees. There’s something more. Something unexpected. Something beyond typical. It’s passion. Not just a passion for kids or a passion for swimming; it’s a special passion for changing – even saving – lives by teaching kids to swim and be safer in and around the water.” Goldfish Swim School plans for the North Scottsdale location to be the first of many Arizona-based franchise locales. With 100 locations open and operating across North America and an additional 129 in development, Goldfish Swim School is continuing its rapid franchise development with eyes on Arizona, according to the company. “The positive business climate and communityfocused neighborhoods directly align with the supportive atmosphere of our schools – making the region an ideal expansion market for Goldfish Swim School,” says Dan Israel, vice president of franchising at Goldfish Swim School. In addition to its swim classes, Goldfish also offers
special events like birthday parties. “Members and their party will be able to have the entire pool to themselves, with plenty of room to space out and swim safely,” she explains. As the space grows, it will offer accelerated Jump Start Clinics and Goldfish Swim Force Team, catered to swimmers who have completed the Goldfish Pro Level. Since Goldfish Swim School – North Scottsdale is new to the area, Scott says she is offering several new member specials. For example, for those who pay a year in advance for a Charter Membership, they will receive credit for a free party and their child’s handprint on the wall. Those who pre-pay six months in advance for the Golden Membership will receive 50 percent off of a party. Scott invites curious families to come in once they open their doors on August 5 and take a look around the facility. They will also host community open houses; locals can find the event dates and times on Goldfish Swim School – North Scottsdale’s Facebook page @goldfishnorthscottsdale. “I’m so passionate about this brand and all it represents and brings to the community,” Scott shares. “I’m honored and excited to share Goldfish Swim School with local families.” To learn more, visit goldfishswimschool.com/northscottsdale or call 480-470-8231.
PHOTO BY FLYING ROBOT @FRAERIALS
We’re Making a SPLASH in North Scottsdale! Goldfish Swim School is the premier learn-to-swim facility for kids ages 4 months to 12 years. We use our holistic philosophy, The Science of SwimPlay®, to build life skills both in and out of the water using play-based learning in Coming a fun and safe environment.
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NORTH 32ND NEWS • August • 13
Health A Naturopathic Approach to Food Sensitivities By Dr. Jenna Dye, Naturopathic Physician Food is one of the most common causes of inflammation in the body. In naturopathic medicine we focus on diet in great detail to find potential foods that may be impacting your health. Once those foods are identified we can eliminate them and begin to nourish the body with foods that decrease inflammation while healing the digestive tract. There are two main types of immune reactions to foods. An IgE reaction is an immediate reaction that can occur within minutes of consuming a particular food. This reaction is often severe and easier to pinpoint which food was the culprit. A common example is a Peanut IgE reaction. After consumption, there can be symptoms of hives, swelling, and difficulty breathing. Consuming these foods can be dangerous and must be avoided.
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The other type of immune reaction is an IgG reaction. This is more of a sensitivity rather than a true allergy. This is a delayed reaction that can occur hours up to days after consuming a particular food. These reactions are often less severe and harder to identify. Reactions can include generalized fatigue, brain fog, muscle or joint pain, constipation, gas, bloating, abdominal discomfort, eczema and other skin conditions. There are different ways to identify food sensitivities. The gold standard is the basic elimination diet. We eliminate the highly allergenic foods for a period of time. Once symptoms have
resolved we can then slowly reintroduce them and see how the body reacts. Common allergenic foods are dairy, wheat, eggs, and soy. Another way to test for sensitivities is an IgG blood test. This is a sensitivity test that allows us to identify up to 100-200 different types of foods that may be negatively reacting in the body. These results can help us decide which specific foods to eliminate based on the level of reactivity. Whichever way we identify food sensitivities, we eliminate those foods while healing the gut with additional naturopathic support. It can take up to 6-8 weeks for symptoms to resolve. Imagine it is like a pair of shoes that causes a blister, you need to remove the shoe for a while, let the blister heal, and then try the shoe on again. If the blister does not return then you can wear the shoes, if it does then it needs more time to heal. A naturopathic physician can offer a more comprehensive and individualized approach to help you identify, eliminate and heal any obstacles that may be impacting your health. Food is one of the simplest places to begin the healing process. 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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TXT, CALL or Book Online www.cleancolonic.com | 480.269.5575 | info@cleancolonic.com 14 • August 2020 • NORTH 32ND NEWS
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Legal Asset Protection for Your Heirs he revocable living trust is a great estate-planning tool, but it does not protect your assets from your creditors. The assets in your trust are still considered your assets because you continue to have complete control over them. On the other hand, you can use your trust to provide asset protection for your beneficiaries after your death.
an outright gift of the inheritance can result in a beneficiary’s creditors snatching all your hard-earned money, leaving the money in trust provides asset protection for the trust assets. A real-life example was a son who had filed bankruptcy. Shortly after filing, his mom died, leaving him everything in an outright distribution. It was all his. Except it wasn’t his. Instead, because he had filed bankruptcy, it all went to his bankruptcy trustee.
Instead of giving your heirs the inheritance outright, to put it in their own name, at death, your trust directs those assets into an irrevocable trust for each beneficiary.
Had mom given him the assets in trust, he could have completed the bankruptcy and had the assets in the trust to give him a fresh start after bankruptcy.
TRUSTS CAN KEEP AN INHERITANCE OUT OF THE HANDS OF CREDITORS These trusts do provide asset protection for the trust assets. Where
TRUSTS CAN PROTECT AN IRRESPONSIBLE HEIR FROM HIMSELF AND STILL PROVIDE FOR HIS WELFARE When we create trusts for your ben-
By Libby Banks, The Law Office of Libby Banks, PLLC
T
eficiaries at your death, we provide protection from beneficiaries who might not manage the inheritance well, such as a child (or the child’s spouse) who is a spendthrift, or an heir with drug, gambling or other addiction issues. The trust allows for discretionary distributions to the heirs, but prevents them from having unlimited access to spend however he pleases. TRUSTS CAN PROTECT THE INHERITANCE IN CASE OF YOUR BENEFICIARY’S DIVORCE OR DEATH If a beneficiary is divorcing, or has a rocky marriage, leaving the inheritance in trust can assure that your beneficiary keeps your money and doesn’t lose part of it in a divorce. The assets held in trust won’t be divided up, because the inherited trust is separate property, belonging only to the beneficiary and not her spouse.
An outright distribution of the inheritance, however, is likely to be commingled in accounts held by both the beneficiary and his spouse. The assets then may be considered community property and some portion will go to the divorcing spouse. THE ARIZONA ADVANTAGE FOR THE RESPONSIBLE HEIR In Arizona, the law permits a beneficiary to be trustee of his or her own trust and still have some of the protections we’ve discussed. The beneficiary has control over the trust assets, and divorce and creditor protections. That’s an advantage you should take advantage of. If you don’t have a revocable living trust, or need an update, give us a call at 602-375-6752 for your free initial consultation via Zoom, FaceTime or phone.
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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 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.
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5010 E. Shea Blvd, Suite 205 Scottsdale, AZ 85254 602.375.6752 | www.libbybanks.com | libby@libbybanks.com NORTH 32ND NEWS • August • 15
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Real Estate Real Estate: The Best Investment By John Cabezas with LIV AZ Realty
I
n 2020, just like every other year, Gallup conducts its top investment survey. In this survey they ask Americans what their investment choices for the long term are, and how well they’ve performed. Those surveyed are asked to select form several choices such as savings accounts, CDs, bonds, stocks, mutual funds, gold, silver, and real estate. The top performer, for seven years running, is real estate. Real estate has consistently come in on top as the best long-term investment. Since 2011, real estate has been consistently strong and has provided many Americans with a sound investment and financial stability. Real estate owned equity (Americans’ private homes) has grown substantially during that same period. According to Gallup, “Real estate remains the most favored investment to Americans, as has been the case since 2013, when the housing market was on the rebound. More than a third of Americans have named real estate as the top investment since 2016.”
is the lowest Gallup has recorded since 2012. Real estate continues to rank first, while gold and savings accounts trail stocks.” Americans still choose real estate as their long-term investment strategy. The COVID-19 pandemic continues to erode Americans’ confidence in the stock market, and has lead them to other investment choices, primarily real estate. For those of you that remember the Great Recession of 2007, this time, instead of real estate being the catalyst, it has become the savior. Despite the massive unemployment, business bankruptcies, severe drops in the market and wide spread panic, real estate continues be strong and leading the recovery. The results covering the last decade of surveys and performance are shown in the chart below:
HIGHLIGHTS OF THE SURVEY: • 21% say stocks are the best investment, down six points from 2019. • Appeal of stocks fades in high- and low-income households alike. • Still, U.S. stock ownership remains stable at 55%. “Americans have become less likely to view stocks or mutual funds as the best long-term investment after U.S. markets dropped by more than a third as the economic implications of the coronavirus outbreak set in last month,” cites Gallup. “The current 21% naming stocks as the best investment is down six percentage points from last year and
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The bottom line: There are those that believe the stock market is the best place to invest long term. This may be true for those that understand the market and have time to watch it closely, or have
an investment manager that stays on top of their investments. But for most Americans, that is not an option. The vast majority of Americans garner their wealth from real estate investments and the equity from their private home. Despite a pandemic and political uncertainty, the residential real estate market in the Phoenix metro area continues to thrive. Because of this, we are launching the OUR HEROES giveback program to serve the local community and front workers during the pandemic. The program is designed to give back to local community heroes by reducing the cost of buying a home. Participants do not have to earn hero status to participate. They are already designated a hero if they work for, or are retired from, our list of eligible industries: firefighters and EMS; law enforcement and staff; medical professionals and staff; military (active, retired and veterans); teachers and educational staff; grocery workers and administrative staff; delivery workers; childcare workers, and pharmacy workers. On average, OUR HEROES participants receive $2,500 in discounts. Visit livazrealty.com to learn more. A Cuban born immigrant and businessman, John spent 25 years as an executive in corporate America, has cowritten a real estate ‘How To’ book, is a three-time guest on Real Estate Matters (960AM) Talk Show and is currently a partner and Realtor at LIV AZ Realty. In his 20 years as a Realtor, John has been involved in major remodel and renovation projects throughout the valley. View his real estate blog at livazrealty.com.
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NORTH 32ND NEWS • August • 19
Business Directory PET SERVICES
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AUGUST SPECIAL 2 Car Garage Epoxy Floor Starting at $400 Basic floor prep only
Programs designed around your child’s needs
• Homeschool • Private or Small Group • Online School • In-home or in our State-of-the-art Facility • Test Prep
Call for a free custom evaluation! Advantage Tutoring 11250 N. Tatum Blvd., C-104 Phoenix, AZ 85028
advantagetutoringaz.com (480) 233-7311 @advantagetutoringaz
Arizona Title & Reg. • Title Only/Reg. Only Title Only/Duplicate Title Duplicate Registration Arizona One/Two Year Renewal Permits • Level 1 Inspection Bell Rd. N Pkwy. Replacement Plates & Tags Greenway Greenway Rd. Dealer Work Welcome Nesbit *A convenience fee is collected in addition to the appropriate state fees.
Cave Creek
BEAT THE HEAT
N/E Corner
Call 888-313-7916 to place your Business Directory ad! 20 • August 2020 • NORTH 32ND NEWS
myhyperlocalnews.com
Now Open!
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35
$
Any pizza with a bottle of wine Mondays & Tuesdays Dine-in or Take-out
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EVERY DAY SPECIAL
Pizza and Beer 25 Any pizza with a 4-pack of beer $
Take-out only
BRUNCH SPECIAL
HAPPY HOUR Monday-Friday Open to 6pm
15 Bottomless Bubbles
$
11am to 3pm. Saturday & Sunday
www.pvpieandwine.com | NW Corner of Tatum & Shea myhyperlocalnews.com
NORTH 32ND NEWS • August • 21
Entertainment
Must-Watch Streaming Movies & Shows HULU
Palm Springs Two wedding guests find themselves trapped in a never-ending time loop. Over time, their relationship builds as they reflect on their life choices. The Cabin In The Woods Five college kids travel to an isolated getaway. It’s a familiar story, until it’s not. Also on Amazon Prime.
IMDB TV
Fruitvale Station A look into the life of Oscar Grant, before a tragic event brings everything down. Based on a true story.
NETFLIX
AMAZON PRIME
DISNEY +
Guardians Of The Galaxy Vol 2 The Guardians’ next journey is one about family, both immediate and made, and redemption. Also a lot of aliens, strange worlds and drama. Pirates Of The Caribbean - The Curse Of The Black Pearl A pirate, a governor’s daughter and an apprentice blacksmith get wrapped up into a journey across the seas to find the source of a cursed crew and their ship. Among the way, they face monsters, ghosts and other creatures. Solo - A Star Wars Story: The origin story of Han Solo years before the events in “A New Hope.” Witness his early jobs, his meeting of Chewbacca and Lando Calrissian and how he became the smuggler we know.
Da 5 Bloods A group of Vietnam veterans return to their place of trauma to find treasure and the remains of their leader. They’re confronted with greed, hatred, regret and sorrow during their journey. 7500 A pilot finds himself trapped just a few feet from hijackers mid flight. With fuel decreasing, he must decide what to do and how to safely deescalate the situation. The Terminator Two beings are sent back in time, one to protect, one to kill. Their battle will decide the future and the fate of the human race. 22 • August 2020 • NORTH 32ND NEWS
Tron - Legacy Years after his father disappears, a young man finds what could be his location. Only it happens to be inside of a video game, one that he must play to survive.
Total Recall A man discovers that his life is not what he thinks it is. A strange odyssey of mutants, shootouts and mind bending trips follows. There Will Be Blood A man in the 1800s discovers oil and pursues his potential wealth. In his story, greed and hatred takes over as he alienates everyone around him. myhyperlocalnews.com
AIOLI GOURMET BURGERS
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
32 SHEA
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
CROSSWORD SOLUTION FROM PAGE 2
ADDRESS: 3120 E. Cactus Rd., Phoenix PHONE: 602-971-6400 CUISINE TYPE: Pizza/Italian Since 1976, our goal has been to deliver you the best, most authentic East Coast Italian food. From our chopped antipasto salads and pasta, to Toscana garlic chicken and New York Style pizza, we serve the finest dishes made with only the finest ingredients. At Streets of New York you are our family.
www.StreetsofNewYork.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.AioliBurger.com
STREETS OF NEW YORK
Bites
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.
SALA THAI RESTAURANT
ADDRESS: 10880 N. 32nd St., #29, Phoenix PHONE: 602-971-1293 CUISINE TYPE: Thai Sala Thai Restaurant brings Thailand to you. With our infusion of the sweet and savory, you're sure to find a dish that you'll love. We start with only the freshest ingredients to stir fry delicious melodies of tastes and colors that are sure to delight the senses.
www.SalaThaiAZ.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 • August • 23
STOP THE INVESTOR INVASION
W
e receive 2-3 phone calls every day from investors offering to buy our home for cash. With homes selling in a matter of a few days due to historically low inventory, there is absolutely NO reason to sell to an investor. Our neighborhoods are selling for asking or over asking price! An investor will only pay you 65% to 70% of your home’s actual market value. Home values are soaring in this area and investors know this is a prime area to flip and make a large profit. Before selling to an investor please call John and Lynn at LIV AZ Realty. Even if you are experiencing difficulty making your house payments or are in imminent foreclosure, we as Realtors, are able to negotiate on your behalf to allow you to sell your home and obtain top Market Value. Don’t give away your hard earned equity!
Our Values are Soaring! 602.300.0797 LYNN JANSON - BROKER OWNER
June-July Sales: 3017 E North Ln, Phoenix, AZ 85028 $599,000 Full Asking Price 9240 N. 32nd Pl, Phoenix, AZ 85028 $590,000 $15k Over Asking 9854 N 28th Way, Phoenix, AZ 85028 $570,000 $11k Over Asking Price 8617 N Starling Ln, Phoenix, AZ 85028
$1,240,000
14836 N 42nd Way, Phoenix, AZ 85032 $649,900 Full Asking Price For a full list of comps for your exact neighborhood, call (602) 300-0797 or email us at lynn@livarealty.com. Ask about the Our Heroes Program for essential workers!
480.399.7051 JOHN CABEZAS - REALTOR® OWNER
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.