Estrella Publishing - It’s A Grand Life magazine
August 2018
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August 2018
Estrella Publishing - It’s A Grand Life magazine
August 2018
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Published by Estrella Publishing LLC, PO Box 6962, Goodyear AZ 85338. Additional copies and article reproductions can be obtained for a fee by contacting info@EstrellaPublishing.com Catherine Uretsky, Publisher and Editor 623.594.9283 info@EstrellaPublishing.com Al Uretsky, Publisher and Sales Executive 623.594.9283 info@EstrellaPublishing.com All contents Š 2010-present day Estrella Publishing LLC. All Rights Reserved. Reproduction in any form, in whole or part, without written permission from Estrella Publishing LLC is prohibited. Estrella Publishing accepts freelance contributions, there is no guarantee that materials will be used or returned. Some content is provided by Brandpointe. Estrella Publishing is not responsible for the views of contributing writers and assumes no responsibility for errors appearing within. Opinions expressed are those of the writers and not necessarily those of the Publisher or Advertisers. Estrella Publishing reserves the right to restrict all advertisement to their proper classification and to edit or reject any copy at its sole discretion. Neither this publication nor Estrella Publishing is an agent of or in any way affiliated with the associated Developer nor Homeowners Association, or any of their respective affiliates. This publication has not been approved by, sponsored by, or endorsed by the associated Developer nor Homeowners Association in any way.
Catherine Uretsky Publisher & Editor
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Al Uretsky Publisher & Sales Exec
August 2018
From Me To You... I have come to the conclusion that I live in a very interesting state. Why? Because nearly everyone here is a transplant. There are very few people born and bred in Arizona. It is a destination state - a place to retire to, certainly, but also a place where the real estate is affordable and the cost of living is comparatively low. A place people migrate to because of the weather at home and the weather here.
Personally I will never forget my last winter in NY when the wind chill had our temperature at minus 17 degrees Fahrenheit. As I shovelled the snow off our sidewalk at 9 months pregnant, (I did this because I discovered that I am liable for accidents happening on the sidewalk in front of our house!) I decided then and there that it would be my last year doing so. So here we are in this sunny climate, separated form our extended family. I am used to this way of life, having immigrated from the UK at 21, but my husband and most people here are not. It leaves you with a feeling of being slightly adrift. There is no anchor to stabilize you, or hold you back. Suddenly the question of “Whose house do we go to for Thanksgiving?” or “Why does Aunt Doris always get Passover/Easter?” becomes moot. Now we ask, “What do you want to do this holiday?” Or my favorite, “Where are we making reservations this year?” Sometimes we open our home to friends and family who are also without a destination, sometimes it is just us.
older I am more circumspect about choosing those friends. People no longer become my companion because our children are the same age, or do the same extracurricular activity. That is a similarity of circumstance and I have found that it is not a good indicator of folk who share your values and goals. Being in a group of people who live a different lifestyle is never comfortable. So over time my circle has ebbed and flowed into a solid core of people I love. I can truly say that they are the family I choose, not the ones given to me, and I am content. Some of them have children and some do not. Some own their own businesses, some work for ‘the man’ and a lucky few have retired. The one thing they all have in common is me and I am thankful for them. Last month a longtime friend who had moved out of state was visiting for my daughter’s wedding, and as she left something she said struck me profoundly. She said that she could see I was surrounded by people who cared for me and that she was glad. She could relax knowing that even though she was no longer around the corner, I had people who would, and did, step up to fill the void she left. Friends who always help when I need it, whether I ask or not. These friends have become my family and I am so grateful I have found them and they have found me.
Catherine Uretsky
Editor, It’s A Grand Life Magazine info@estrellapublishing.com 623.594.9283
The downside to the situation, I have found, is that there is no tribe who have to be there when you call. No sister-in-law who will grudgingly watch the kids if you have an emergency, or a gaggle of cousins for the kids to play with and grow up with and build family memories with. That is a distinct disadvantage. As time goes by we make connections, build our own tribe if you like. I have found that as I get Estrella Publishing - It’s A Grand Life magazine
August 2018
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Competition Do you have the cutest pet in Sun City Grand? It’s time to get your camera out and start snapping!
If you entered in the past but didn’t win, try again. Honestly there were some pretty close races and you might be lucky this time! I love this time of year because I get to see so many adorable pictures in my inbox and I love to give out prizes!! ~ Catherine Uretsky
We are looking for Sun City Grand’s cutest pets, funniest pets and just plain adorable pets. Send in your picture (preferably high resolution so it will print nicely) and you could win tickets to the Wildlife World Zoo and have your picture printed on a future cover of It’s A Grand Life Magazine! Entries must be received by August 10th, please include your contact information so we can get in touch with you if you win. Digital photos only emailed to catherine@estrellapartners.com Entries will not be judged by us - let’s face it I know too many of you and I cannot be trusted to be unbiased. All pictures will be judged by impartial friends (most likely my old crew from New York). All decisions are final.
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August 2018
Peace On Earth
“I’m only human!” I’m certain you’ve heard these words or perhaps spoken them yourself. You might say them when your child, grandparent, neighbor, boss, spouse, and dog have all demanded something of you at once. We can only be spread so thin. We’re not superheroes!
At the same time, those being exalted as heroes or stars or top leaders may exclaim, “I’m only human!” I can relate to that experience, too. When my husband and I visited northern India, we were surprised to discover that the people hold pastors in very high esteem - uncomfortably high for me. Talk about being placed on a pedestal. They didn’t quite bow to us or part paths for us to walk through, but it felt like they revered us. We were given places of honor and, while others sat on the floor and ate with their fingers, we were given seats and utensils. It was humbling. I wanted to shout, “I’m only human!” The group I want to write more about are all those who believe they have no gifts, no talents or skills, or believe they aren’t smart enough to do anyone any good. They belittle their
Estrella Publishing - It’s A Grand Life magazine
capabilities and cease trying. When they say, “I’m only human,” they are saying, “I’m not capable of anything.” They are missing out on a wonderful truth. Each of us was knit together in our mother’s womb by our Creator! God doesn’t make junk! And God has a plan, a good and perfect plan, for every life and gifts us accordingly. We are called to use our gifts for the good of all. We aren’t called to be mini gods. We, as humans, because of God’s gifting, can make a difference. “Each one should use whatever gift he has received to serve others, faithfully administering God’s grace in its various forms.” (1 Peter 4:10) Each one. Not some of us. Not just those with graduate degrees. This verse means all of us have gifts we can use for the betterment of the world. Imagine, what would the world be like if each of us tapped into these amazing God given gifts? Yes, we’re each ‘only human.’ That’s ok, because in our weakness, our humanness, we lean into Christ more and his power rests on us. Because of Christ, when we are weak, we are made strong and capable. Submitted by Valerie Fairchild, pastor of Spirit Song church in Vistancia
August 2018
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Kitchen Safety Watch what you heat: 5 kitchen safety tips
Cooking equipment is the top cause of home fires, and the second leading cause of home fire deaths, according to the National Fire Protection Association (NFPA). Be prepared to fight the small flames by following the below tips to stay safe in the kitchen. Properly equip your home. Keep your family and house safe by ensuring that functioning smoke alarms are installed throughout your home. The NFPA recommends one alarm on every floor, including the basement, and inside every bedroom. In addition, install smoke alarms at least 10 feet from cooking appliances to minimize false alarms. All alarms should be tested monthly, and for alarms without 10-year batteries, replace the batteries every six months. Keep an eye on your food. Staying in the kitchen while cooking is key to preventing oven or stovetop fires. Whether you’re simmering, baking, boiling or roasting, check on your food regularly.
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If you need a reminder that the oven or stove is on, just set a timer. Be aware that fires can happen fast, so if you must leave the kitchen - even for a short period of time - turn off the stove.
Clean your appliances. Keep all your appliances clean of grease and food debris that could potentially cause a fire. Clear the toaster of crumbs and wipe down the stovetop as needed. Ovens should be cleaned at least every three to six months. Clear off kitchen countertops. Keep your countertops clean and clear of flammable objects. Move items such as pot holders, wooden utensils, plastic bags, food packaging and paper towels away from the stove, oven or any other kitchen device that generates heat. Be prepared when disaster strikes. Over 70 percent of fire extinguisher owners say that they would not feel very comfortable actually operating one. Having the necessary fire safety tools and knowledge, and talking with your family members about these safety precautions, can help prevent potentially fatal kitchen fires. To learn more tips and tricks, visit www.FirstAlert.com.
August 2018
Furry Friends Dogs and their owners have many things in common, but perhaps one of the biggest commonalities is that they both love to eat! When preparing meals for your four-legged family members, it’s important for the meal to be packed with flavor and nutrients, and to create a dining experience they enjoy and look forward to. Help give your pets the ultimate mealtime experience with these tips:
1. Create a mealtime routine Animals love routine. It’s important for dogs to establish a mealtime routine whether they get fed first thing in the morning, after their walk or as small meals throughout the day. By establishing a routine, your pooch will quickly catch on when it’s mealtime. 2. Purchase a puzzle bowl or toy Does your dog eat too fast? Do you want them to make a game out of their meal? Puzzle bowls and food dispensing toys are a great way to stimulate your dog’s mind during mealtime. They
allow them to slow down to truly enjoy their food, making mealtime fun! 3. Provide your dog with a meal that gives them variety Dogs and humans alike enjoy food with variety! That’s why for nearly three decades, Kibbles ‘n Bits(R) has been making dog food with its signature combination of crunchy kibble & tender bits to bring joy to your dog’s every bite. 4. Turn mealtime into a dance party Have you ever danced due to excitement? Well, now your dog will, too. Play a song before each mealtime to signal when it’s time for your dog to eat. This new bonding ritual will create more fun for all family members and will have your dog busting moves in anticipation in no time! 5. Make it a training opportunity Use mealtime as an opportunity to train and reinforce wanted behaviors. Using commands like “sit” and “wait” before allowing your dog to eat helps them practice impulse control and good manners. To learn more about what variety is right for your dog, visit https://www.kibblesnbits.com.
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August 2018
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Hydration Stay hydrated this summer and year-round Staying hydrated is a necessity, but sometimes it’s difficult to tell when your body needs water, especially during warmer months. Experts say on average men need 15 cups (3.6 liters) and women need 11 cups (2.6 liters) of water per day. Our bodies are about 60 percent water, and just losing 1.5 percent can be the tipping point for mild dehydration. Culligan International, a world leader in the treatment of water, is offering tips to keep you and your people well hydrated. 1. Bring water on the go. Going to work, the park, the pool or the library? Wherever you are headed, always bring a reusable water bottle. This goes for your people too. Have each member of your household choose their own water bottle and label it with their name. Allowing young children to pick a favorite water bottle provides added incentive to take frequent water breaks. Set the water bottles in a high-traffic area or close to the door so you don’t forget them when leaving home. And refill, refill, refill whenever empty.
4. Increase intake with workouts. A good rule of thumb is to drink water before, during and after a workout. According to the Mayo Clinic, if you exercise or engage in any activity that makes you sweat, you need to drink extra water to compensate for fluid loss. An extra 1.4 to 2.5 cups (.33 to .60 liters) of water should suffice for short bouts of exercise, but intense exercise lasting more than an hour requires more fluid intake. How much depends on how much you sweat and the duration and type of exercise. And don’t rely on water fountains; be sure to bring your reusable water bottle to workout sessions. 5. Load up on fruits and veggies. Fruits and vegetables are high in water content and an excellent way to complement water intake and stay hydrated. Watermelon, cantaloupe and strawberries are among fruits with the highest water content. For vegetables, it’s cucumbers, iceberg lettuce, celery, tomatoes and zucchini. Before eating, be sure to rinse produce under filtered water to safely clean and maintain the health benefits. Fruits and veggies are also easy to serve at home and eat on the go. For more information about water filtration solutions, visit www.heyculligan.com.
2. Drink good water. Not all water is created equal. Filling your reusable bottle with filtered water can ensure it not only tastes better, but is also better for you. Home filtration or reverse osmosis (RO) systems work to reduce contaminants that may be in your tap water. 3. Establish hydration routine. If you have trouble remembering to drink water, establish a drinking routine. Start your day with a glass of water, followed by a glass at and between each meal and a glass before bed. Or, drink a small glass of water at the beginning of each hour. Establishing a drinking routine is an easy way to ensure that you reach the recommended water intake each day. 10 Estrella Publishing - It’s A Grand Life magazine
August 2018
Retirement Prep If you’re not as prepared for retirement as you should be, you’re not alone. The Federal Reserve did a study and found that one-fourth of Americans have no retirement savings or pension. And a Money article reports 56 percent of Americans have less than $10,000 saved.
Why aren’t more people prepared? Some people are stretched thin. Others may lack information on the importance of retirement savings, or lack the financial savvy to be comfortable managing their own investments. Yet, retirement is waiting just around the corner. People need good advice to help them build their nest eggs before “someday” becomes “now.” Here are the best tips, advice and tactics for retirement planning from the top financial advisors in the business. 1. Make a list of retirement “needs” and “wants.” If you do not have enough savings for all of your “needs,” make a ten-year plan to increase your funds. 2. Take a hard look at any major debts you have and develop a plan to eliminate them. 3. Brainstorm any “big ticket” financial commitments for the next 10 years and consider how these items might affect your ability to save
for retirement.
4. Continually monitor and analyze your asset allocation to make sure it is the right one for you. Understand whether you should move to a more conservative asset allocation or continue investing for growth. 5. Be tax efficient with your investments. For example, you should defer as much of your salary as you can to your defined contribution plans. 6. Save to an emergency fund and stay aware of your company’s financial situation. Companies are prone to reorganizations and layoffs, and older workers can be vulnerable. 7. Ask your HR department about the relationship between your current health insurance and Medicare, as well as what your options are when you reach age 65. Get information about any pension or defined contribution options and any other retiree benefits. 8. Research when stock-based compensation might expire and what stock awards you can retain after retirement. 9. Double check your reported Social Security earnings and resolve any discrepancies now. Explore your Social Security claiming options and make sure you understand the timing of applying for benefits. 10. Make sure that all of your estate documents are up-to-date. Verify that your named executors and proxies know your wishes and are willing to act on them if needed. NAPFA recommends working with a Fee-Only financial advisor who adheres to a strict fiduciary standard. These advisors are required to put your best interest first and don’t accept commissions on the products they recommend, which reduces potential conflicts of interest.
Estrella Publishing - It’s A Grand Life magazine
August 2018
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Living With Faith The beginning of the rest of our lives: The art of Healing
The beginning of anything is quite amazing. Of course there are good beginnings as well as bad. But when we think of the start of something we always believe that the goodness of creating is in itself a blessed event. We are taught that creation began with words – “And God said…” The lesson is quite simple: Words are a vital part of beginnings. We meet someone, we fall in love, but we begin the process with a conversation so that each of us is aware of the other. We cannot have any kind of relationship without some form of communication. And yet there are times when we just don’t want to talk or listen and want to be alone with our thoughts. But we are reminded that that it is not good to be alone. We were created to be part of, not apart from each other. Adam wanders aimlessly, unsure of his purpose and God realizes that to be alone is not the intention of creation. Loneliness is not an endurable feature of humanity. God tells us that everything that was created was good but when it comes to man being alone He says that it is not good.
of our lives. There will be disappointments but there will also be ecstasy. There will be bitterness but there will also be sweetness. The commitment we make is a promise to bring into the relationship a feeling of family and friends. The words spoken ever so softly in the moment of passion should remind us to value each other as special and unique individuals with respect for each others thoughts and feelings. This can be a special moment in time, the beginning of the rest of our lives. Perhaps we should enhance the sacredness of this time with the beauty of forgiveness and the understanding of the love shared. Perhaps, also, we will know that our dreams are connected to each other and the hopes that we carry forward will enable us to get through any storm and complete the blessing of union. This is true Healing! Rabbi Irwin Wiener, D.D. Sun Lakes Jewish Congregation National Chaplain, Jewish War Veterans, USA
We meld our thoughts and actions so that we can dream dreams, learn about who we are and where we want to go. We struggle with just enough tension to keep us even closer and enough joy to make us glad we have awakened to a new day. We wish for a warm wind to blow to cool us, and a winter chill to enable us to hold tightly to each other. We listen to each other because words brought us together and will give us even greater strength to know each other’s hearts. And we need to see each other’s smile and wipe the teardrops in the corner of our eyes before it becomes a river. Imagine that today is the beginning of the rest 12 Estrella Publishing - It’s A Grand Life magazine
August 2018
Senior Living
American household demographics constantly change. With kids grown and moved out, many adults are considering remodeling to meet their future needs. This has inspired the idea of aging in place, meaning the desire to have a high quality of life in your home as you get older. In the United States, it’s a desire shared by many.
According to the AARP, 87 percent of adults age 65 and older want to stay in their current home and community as they age. Furthermore, among people age 50 to 64, 71 percent of people want to age in place. The desire to age in place typically requires making thoughtful updates to a home to accommodate senior needs. Whether you’re remodeling for yourself or a family member, there are many things to consider. Making changes where it matters most will help transform the household into a secure space for aging adults. Single-story living Having all rooms on a single story is the ideal layout for senior living. That means the bedroom, bathroom and kitchen can be accessed without having to travel to different levels of the home. Keep in mind, openconcept designs can be beneficial for seniors, but if you are updating hallways, make sure they are at least 36 inches wide for easy maneuverability.
Estrella Publishing - It’s A Grand Life magazine
Bathroom safety Bathrooms are one of the most dangerous rooms in a home, particularly for those age 65 and older who are more prone to falls. When remodeling, add wall supports such as grab bars in the bath, shower and by the toilet. For showers, a fold-down seat and handheld showerhead can add comfort. A wallhung sink adds space below and can make it easier to clean and move around. Avoid using rugs and instead install slip-resistant flooring. Kitchen additions Redesigning your home with a mother-in-law suite for aging relatives can be a nice way to provide them with everything they need. It will also ensure that everyone has their desired privacy in the home. Ramps and stairs There may be spaces in a home where you can’t avoid installing a ramp or stairs. The entryway is one such area. For stairways, install handrails on both sides and add contrast strips to prevent tripping and stumbling hazards. For ramps, the National Association of Home Builders recommends slopes no greater than 1-inch rise for each 12 inches in length, a 2-inch curb for safety and a 5-foot landing at the entrance. All ramps or stairs should have adequate lighting for easy visibility. Ample lighting As vision decreases with age, lighting becomes a critical element throughout a home. Consider adding windows and skylights for plenty of natural light. Swap in brighter bulbs and add adjustable features that allow you to customize settings for frequently used spaces. Finally, add motion lights to hallways and bathrooms for easy evening use. Hard-wired lights are preferred to plug-in options, but if you must have cords, make sure they are hidden or secured to the ground. When aging in place matters to you or your family members, these guidelines can help you remodel wisely. Smart updates will help you enjoy your home today and thrive in the future. August 2018
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Decluttering
Getting your house in order can be a struggle, especially as we age. Sorting through decades of belongings is often emotional and stressful, as questions and decisions pile up: Is this jewelry valuable? What should I do with all these tools I no longer use? Will this china set have sentimental value to my children? But while it can be exhausting, this effort to declutter and simplify can be worthwhile, not only for our homes but also for our health. Getting rid of things you no longer need or want may have a positive effect on mental health and can also make for a safer environment. It’s a sobering fact that every 12 seconds, according to the CDC, someone over age 64 will fall and end up in the emergency room. Decluttering can help keep paths clear and obstacles to a minimum. A study at Indiana University showed that people with clean houses are healthier than people with messy houses. Regular household chores like vacuuming and washing windows can be great physical activity. A tidy home can also mean we’re more likely to invite people over - prompting interactions that can help alleviate feelings of depression and isolation that can accompany aging.
shelves a good wipe-down and restock them with the necessities, putting go-to things within easy reach, and donating or storing appliances and dishes that are used less often. Once you feel good about your progress in the kitchen, move on to tackle the garage, office and other spaces where belongings tend to pile up. Like closets! * Keep only what you wear the most. Pick a handful of favorite outfits for everyday wear, social outings and special occasions, seasonal wear and wardrobe staples, and donate the rest. * Stop the build-up before it begins. Keep a recycling bin handy for unwanted credit card offers and coupon packs before they enter the house. Eco-Cycle has some tips to cull the tide of junk mail, and mobile apps like Evernote can help collect and digitize recipes, warranties, instruction manuals and memorabilia to clear away more piles of paper. At the end of the day, it’s OK to hang on to belongings that are near and dear to you. But for items that don’t hold sentimental or functional value, kick-start a decluttering mission today so you can enjoy a tidier, safer home tomorrow.
Tips to get started * Don’t judge yourself. It’s harder to decide what to do with items that have been in the family for generations than it might be for millennials to decide what to do with items from their college years. * The kitchen is a good place to start the decluttering process, because throwing away chipped dishes and expired spices isn’t as taxing as wading through boxes of potentially important paperwork or personal items. Take everything out of the fridge and cupboards and spread it all out on a counter or table so it’s easy to review. Give 14 Estrella Publishing - It’s A Grand Life magazine
August 2018
Legal Advice
AVOIDING PROBATE WITH A BENEFICIARY DEED
A Beneficiary Deed in essence is a “pay on death designation” for real property. It is very useful if you want to leave your house or other real estate to one or two persons upon our death. A Beneficiary Deed avoids probate without giving up any present ownership interest in the property like joint tenants with right of survivorship does. The Beneficiary Deed is fully revocable. Where there are co-owners, the surviving owner can revoke the Beneficiary Deed.
Estrella Publishing - It’s A Grand Life magazine
The owner retains control. The owner does not need to consult the beneficiaries or be concerned about the beneficiaries’ creditors (unlike joint tenants). The Beneficiary Deed is a great tool for people who have all other assets in accounts that have a “pay on death” designation of some type. The Beneficiary Deed is not a good tool if you want to leave your real property to more than two people, to minors or to adults with special needs receiving government assistance. In those instances, a trust should be used. Sharon Ravenscroft, Esq., The Cavanagh Law Firm, PA, Sun City and Phoenix offices, (623) 815-7451 or Sravenscroft@CavanaghLaw. com. Sharon’s practice focuses on Wills, trusts, domestic partnership agreements and premarital agreements, probate and trust administration. For more information www.sharonravenscroft.com. Submitted by Sharon Ravenscroft, Esq.
August 2018
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Puzzles & Games
Sudoku for August
Numbers from 1-9 must appear only once in each row, column and box. Good Luck! Solution is on our website www.EstrellaPublishing.com
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August 2018
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August 2018
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August 2018
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