6 minute read
Education
for your Get Your Kids EDUCATION CAVE CREEK UNIFIED SCHOOL DISTRICT right here Outside! Want to reduce screen ti me for your kids and get some fresh air? Cave Creek Unified School District (CCUSD) celebrates great teaching with their annual Teacher of the Year celebration. Eric DeVore, a Spanish Teacher at Sonoran Trails Middle 2019 TEACHER OF YEAR: ERIC DEVORE Are you looking for fun acti viti es School was named CCUSD Teacher to do all year long right here of the Year 2019. Eric was awarded in our state? $3,000 and will complete his application for the 2019 Arizona Check out Ladybug’s Blog for Educational Foundation’s Teacher of Arizona adventures for the whole family! arti cles highlighti ng fun Arizona adventures for the whole family! the Year program. Also recognized were honorees, Kendra Frigard, third/fourth grade Combo Teacher at Desert Willow Elementary and Doni Nasr, Spanish Teacher at Cactus ladybugsblog.com Shadows High School. Kendra and Doni both received $1,000. CCUSD ladybugsblog.com Dedicated to getti ng Arizona kids outdoors and excited about nature, science and the world outside. appreciates and thanks incredible community members, Mr. and Mrs. Richard Gunderson, for their Debbi Burdick states that this is one of the most important celebrations of generous donation to financially the year in the Cave Creek Unified support the CCUSD Teacher of the School District as we honor our
Dedicated to ge+ng Arizona kids outdoors and Year program. Superintendent Dr. incredible educators. excited about nature, science and the world outside.Kindergarten Registration
Visit our five A+ elementary schools – each one with its own Signature Curriculum and Point of Pride.
Black Mountain Elementary School • PERFORMING ARTS • SPANISH K-6
Desert Willow Elementary School • SPANISH IMMERSION • INTERNATIONAL SCHOOL • SPANISH PRE-K-6
Desert Sun Academy • FRENCH IMMERSION • SPANISH PRE-K-6 • STEAM Horseshoe Trails Elementary School • CHINESE IMMERSION • HORSEMANSHIP • CHINESE PRE-K-6
480.575.2000 www.CCUSD93.org
Lone Mountain Elementary School • STEM PROGRAM • CHINESE PRE-K-6
How to Be a Smart Home Buyer in a Seller’s Market
Buying a home for the first time in some Tip #3 – FinD a repuTable realTor. U.S. markets Phoenix is becoming Look for a quality realtor who can help increasingly challenging. In competitive you feel confident throughout the process. housing markets, the supply of available homes A good realtor should take the time to truly is tight, which means sellers often have the upper understand what you are looking for in a hand and home prices are rising above what is home, the neighborhoods you prefer and your typically considered their fair value. If you are price range. He or she should also be familiar contending with a seller’s market, here are four with the current state of the housing market tips to help avoid overpaying for your first home: where you want to live and suggest strategies
Tip #1 – Do your homework.
Before you are ready to become a Tip #4 – FinD wayS To appeal To SellerS. homebuyer, study the market. Check out To keep the price within your reach, consider the neighborhoods you like and attend ways to sweeten your offer. This could include open houses. Get a feel for what’s currently agreeing to a faster closing period, offering to available and price ranges for various types pay closing costs, or, if you are able, making of homes. Pay attention to the cost your list a cash purchase (no mortgage process of must haves – whether it’s a finished deck, required). Even writing a letter to the sellers a certain type of hardware or hardwood floors detailing why you want the home could make throughout. Getting every item on your list your offer stand out. may not be realistic for your price range, so be prepared to re-evaluate after seeing a few As you prepare to purchase a home, consult options. with your financial advisor as well. He or she Tip #2 – SeT a buDgeT anD STick wiTh iT. home buying strategy so you can make a
It can be tempting to go over budget in a reasonable offer with confidence that doing so highly competitive market. However, doing so is aligned with your other financial goals. can have ripple effects on your cash flow. Be to make your offer attractive. can help you plan the financial side of your realistic about the price range that works for you. Review your monthly budget and figure Renee A. Hanson, CFP®, ChFC®, CEP®, CDFATM, CFS®, BFA®, APMA®, is a Private Wealth Advisor with Affinity Wealth out what you can afford in terms of monthly Advisory Group, a private wealth advisory practice of Ameriprise payments (for principal, interest, property Financial Services, Inc. in Phoenix, Arizona. She specializes in fee-based financial planning and asset management strategies taxes and insurance) on the home. Know and has been in practice for 27 years. To contact her visit www. what you have available for a down payment affinitywealthadvisor.com or call (602) 923-9800. Her office is located at 7010 E. Chauncey Lane, Suite #200, Phoenix, AZand determine the price range of houses that 85054-3115. Putting the needs of clients first is the approach I believe in. I’ll work with you to find the right financial solutions to help you plan for your unique goals. And together, we’ll fits your budget. Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser. track your progress over time, adjusting your plan along the way to help get you where you want to go.
Renee A. Hanson CFP®, CEP®, CDFA®, CFS®, ChFC®, APMA®
Private Wealth Advisor
Affinity Wealth Advisory Group
A private wealth advisory practice of Ameriprise Financial Services, Inc.
602.923.9800
7010 E. Chauncey Ln Ste 200 Phoenix, AZ 85054 renee.a.hanson@ampf.com affinitywealthadvisor.com
Ameriprise Financial Services, Inc. Member FINRA and SIPC.
North Valley - If your home has just come off the market and hasn’t sold, don’t be discouraged. The reason your home did not sell may have nothing to do with your home or the market. In reality, your home may have been one of the more desirable properties for sale. So Why Didn’t Your Home Sell?
Last year many of the homes listed for sale never sold at all, and many sellers found that there was a tremendous amount a homeowner needed to be educated on to sell their home for top dollar in the shortest time period. Don’t risk making the wrong choices and losing both time and money on your investment. Before you hire a realtor, know the right questions to ask to save you time and money.
Industry experts have prepared a free special report called “How to Sell a House that Didn’t Sell” which educates you on the issues involved.
To hear a brief recorded message about how to order your FREE copy of this report call toll-free 1-800-277-1959 and enter 1012. You can call any time, 24 hours a day, 7 days a week.
Get your free special report NOW to make sure your home sells the next time you list it for sale.
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