Main Street

Estrella Publishing - Main Street magazine

October 2021

1

Superior Service & Results INVENTORY IS AT AN ALL-TIME LOW! If you are thinking of selling; now is the time to maximize your investment. For the latest market stats or to make an appointment to find out the value of your home, visit: www.lifestylesatverrado.com UNDER CONTRACT

UNDER CONTRACT

19633 W Montecito Ave. MLS #6275021 JUST SOLD

Cynthia Adair

480-212-6259 America’s Top 1% Real Estate Agent Multi-million dollar producer

Marissa Rawson 623-696-9329 Multi-million dollar producer

Verrado/Victory Residents/ Neighborhood Market Specialist

5169 N 207th Dr. MLS #6263693 JUST SOLD

Scan me to make an appointment!

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2 Estrella Publishing - Main Street magazine

4907 N Grandview Dr. MLS #6256239

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October 2021

Proud to Bring You the Following Verrado Events in Partnership with Verrado

SEPTEMBER 23

New Verrado Neighbor Welcome

Your Verrado Neighbors Real Estate Agents

&

NOVEMBER 11

Veterans Day

Happy Hour at the Giving Tree Pavilion

OCTOBER 30 Paws on Parade and Very 1st Verrado’s

DECEMBER 18

Annual Mainstreet Holiday Golf Cart

Greatest Carnival

and Razors Light Parade

Contact us for more details or how to register

Specializing in the Master Planned Community of Verrado and throughout the Valley

We have expanded our sales as partners into Northern Arizona with 3 recent closings in Prescott. Contact us for your second home purchase in Prescott and beyond!

• Sold over 200 homes • 30+ million in sales in 2021 • Commissions go to "sell a home, save a child" foundation • Top 2 % agent in the state • Selling homes throughout the US and Arizona • Your Verrado Neighbor

• • • • • • • •

21 years in the business Have helped thousands of families with their home financing needs Purchase Refinance Reverse Mortgage VA Specialist Very active in Verrado Community Support our military, first responders, veterans and teachers.

Fairway NMLS#2289 • AZ License #BK-0904162

TIFFANY TOPIE REALTOR®

ALLEN TURNER

Cell: 248.721.0131 Tiffanytopiehomes@gmail.com

MATT TOPIE REALTOR®

Cell: 810.533.4982 Matt@tiffanytopiehomes.com

tiffanytopiehomes.com Estrella Publishing - Main Street magazine

®

Loan Officer LO NMLS#212762 Fairway Independent Mortgage

(602) 290-9329 allen.turner@fairwaymc.com www.YourHomeLoan.Team

October 2021

3

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Catherine Uretsky Publisher & Editor

Al Uretsky Publisher & Sales Exec

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 © 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 and Family Features. 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.

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October 2021

From Me To You...

‘If you fail to plan, you are planning to fail.’ Benjamin Franklin.

I am a planner, always have been. In fact I usually have a plan, a back-up plan, and a worst case scenario plan. I suppose it is because I work on an “assume the best but prepare for the worst” mentality and for that you need a few plans. We also have four children and that takes a ton of planning. School, work, extra-curriculars, they all need to be combined in the plan.

for them up to this point. The problem is that it doesn’t work in our family dynamic. I can’t drop everything to pick someone up from school when they decide not to go to a friend’s house after all, or they have to buy something for school the next day. I can help them out when I know what’s coming, we are working on that together and I know it will get better with time.

Long-term plans are something else I love to do.

You could call it a form of dreaming I suppose.

The things I would love to do if everything comes together. I have been planning a family trip for a couple of years now but because of Covid my plans keep getting shelved and changed.

Now that three of our kids are adults I thought I My father turned 80 this summer and we were could ease up on the planning and allow others all supposed to be in England for a month of to take the lead. Well, as Michael Chabon said, celebrations and exploration. Obviously that did “Man makes plans... and God laughs.” not happen according to plan. We spent the Our lives changed dramatically a few months ago summer in the US - California and Florida, where we dodged hurricanes and humidity. Fun, but and we have since welcomed two teenage girls not the original plan. into our home and our family. We love having them and we have known them for most of their I am also coming to a new stage in life. Planning lives so the transition is mostly seamless. Except for retirement. Not the financial part, that for the planning. These kids have never learned happened many years ago, thank goodness. how to plan ahead. For anything. They live on I am talking about the fun part. Downsizing the fly and change plans on a whim. They are to a smaller house, traveling, taking on a new truly go with the flow girls and it has worked hobby. All the things I have been putting on the back burner while I get on with the business of Have your heard the news? raising a family. The possibilities are endless well as endless as my budget allows anyway. I The UPS Store is coming to have never been to Belize, or on safari, I was supposed to live in New Zealand with family when I was younger, perhaps I could finally see what life is like in the antipodes.

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Whatever I decide to do I know that there will be many plans to make - and really that’s half the fun!

Catherine Uretsky Editor, Main Street magazine info@estrellapublishing.com 623-594-9283

Estrella Publishing - Main Street magazine

October 2021

5

On Our Cover

Our photogenic cover models this month are Disney Premier Properties team members Chuck Disney, Pam Disney, Laura Russell, Jill Watson, and Kendrick Johnson. The story of this company began back in February 2000 when Chuck first got his real estate license here in Arizona.

Chuck has always loved new homes. When he transitioned into selling real estate he found he loved helping people not only selling their home and finding a perfect new residence but also prided himself in doing it right.

Chuck was originally recruited by Del Webb to sell homes in various communities, hitting the sales floor as a newbie amongst 10 other salespeople. He was intimidated for sure, but soon hit his stride becoming their top salesperson after only 5 months on the job! A career with Del Webb followed as Chuck became a member of the Top Gun program where the top 7% of salespeople in the nation became mentors and trainers for other agents. With all of this experience Chuck became an Active Adult community specialist, he even remembers a conversation with the CEO of DMB (Verrado

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Licensed Medicare Agent - TTY:711 6 Estrella Publishing - Main Street magazine

developers) where he asked, “Hey why don’t you build a 55+ community here in Verrado?”

Although it was not the right time for DMB back then (2009), they did eventually recruit Chuck as Sales Manager here in Victory in 2015. After 18 months manning the helm, he felt a need to branch out and hung his shingle as a real estate agent and shortly after, Disney Premier Properties at Realty One Group was born. It is a well-oiled machine with 4 active realtors, plus a marketing person, stager and transaction coordinator. These roles mean that the business of real estate moves smoothly through every stage of buying and selling your home. They truly put their heart and soul into representing their clients. You can often find Chuck pitching in at all levels from landscaping, to window cleaning, to staging. He cares about his listings and getting top dollar for his clients.

Pam has extensive experience as a real estate office manager and has been part of significant real estate teams as a property marketing and client services expert. Jill is an Olympic Medalist who combines her competitive personality with her skills in real estate to exceed your expectations. Laura has many special designations to help people with their real estate transactions including Military Relocation Professional and Seniors Real Estate Specialist.

When I asked Chuck why people should use a realtor when the market seems to be booming he said, “Right now people are stepping over dollars to get to dimes. They see an immediate gain but miss the bigger picture and do not collect on the money they deserve by handling it themselves.”

Whatever your real estate needs, Chuck Disney has a wealth of information. In fact, ‘Check with Chuck’ is a popular refrain in Verrado and Victory so do not hesitate to reach out, he is always happy to help! (623)810-7797 www.disneypremierproperties.com If you or anyone you know would like to be featured in a future magazine contact me @ catherine@estrellapublishing.com October 2021

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Estrella Publishing - Main Street magazine

October 2021

7

Senior Living A person’s golden years may be some of the best years of their life, living each day to the fullest by doing what they love, from pursuing hobbies to spending time with their families and beyond. Thinking about senior living may seem like a distant concern, but it’s an important conversation to have now so you and your family are ready for the future. Your may not feel ready to make the move, especially if you’re still physically and mentally healthy. However, setting yourself up for quality care in the future is important, especially as health care costs continue to skyrocket. According to a CNBC report, health care costs for retirees are expected to increase more than 5% every year through 2026.

What is a CCRC? A CCRC, otherwise known as a life plan community, is a smart long-term option for seniors. CCRCs have different housing levels where seniors initially live independently and can transition to an assisted living or skilled nursing facility if needed, all at significantly reduced costs compared to the market.

health care, dining, fitness, and other amenities are all part of the CCRC package.

While CCRCs can be costly, many offer ways for seniors and their families to reduce those costs, such as Life Care contracts. While they’re expensive upfront, life care contracts can make a world of difference. If you end up needing assisted living or another level of care, a Life Care contract prevents your health care costs from increasing with that transition, which can save thousands of dollars over the years.

Planning for senior living can be daunting, especially when you consider the cost. But having social, emotional and medical support doesn’t have to be out of reach. Check out searstone.com/life-care/ to learn more about Life Care and how it may benefit you - now and in the future.

What are the benefits of living in a CCRC? Here are a few important ones: • A sense of community Many seniors thrive on social connections, but in some cases they may live far away from friends or loved ones, be recently divorced or widowed, or have physical limitations that can lead to isolation. Meeting new friends at a CCRC is easy, as they provide many social activities, including mixers, clubs and, in some cases, organized travel. These activities can help seniors get out and meet others while still having a private home space to themselves.

• All-inclusive benefits Like a full-package resort, seniors who join CCRCs can get a full swath of benefits. This can allow them to age with ease and joy, especially if they don’t have loved ones nearby. Housing, 8 Estrella Publishing - Main Street magazine

October 2021

The Bug Guy

Crickets are usually equated with campfires, the great outdoors and peaceful evenings - unless they find their way into your home. An indoor infestation can cause sleepless nights when males rub their legs together to attract a mate.

The resulting chirping moves from quaint to downright maddening quick. Then there is the damage crickets cause by snacking on drywall, fabric, wallpaper and landscaping. While they don’t bite, sting or spread disease, crickets attract additional houseguests that homeowners particularly dread: scorpions and spiders. These creepy crawlies think crickets are a tasty snack.

Crickets need daytime hiding places to avoid drying out and overheating, especially in the Arizona heat. Usually, crickets’ hiding places become their nesting sites including under the cusp of stucco siding, meter boxes and block walls. These areas can be difficult to reach for many homeowners, but your pest control professional will have the proper tools, equipment and expertise to eradicate these nuisance houseguests whether they are inside or out.

You can minimize the chances of infestation by following these simple steps: • Remove hiding and nesting spots outside your home, clutter, compost, wood, or leaf litter, and cutting back landscaping and vegetation six inches from the home.

• Seal cracks in your home’s foundation and walls.

• Caulk around windows and door frames • Cover vents with fine-mesh screens.

• Turn off outdoor lights at night, as crickets are attracted to artificial light sources.

• Water the lawn and garden during the day.

• Keep items such as cardboard boxes, tarps, and pool toys picked up as they can be hiding locations for crickets during the day.

• Put pet food away at night.

• Ensure that your trash can is tightly sealed.

• Clean up all spills and kitchen messes immediately.

• Store food in airtight containers or the refrigerator.

These noisy pests are active throughout the year and come out at night to eat, so focusing your prevention efforts during these times will be your best bet.

Submitted by Estrella Mountain Pest Control

623-466-7655

www.ArizonaSunControl.com Licensed • Bonded • Insured • Residential & Commercial • ROC# 215020

WE WILL NOT BE UNDERSOLD! Estrella Publishing - Main Street magazine

October 2021

9

Give Blood

From surgeries to emergencies, life-saving therapeutics, and beyond, blood and plasma are essential for hospitals and health care centers to help patients. Unfortunately, experts report facilities throughout the country are facing critical shortages and are calling on more people - especially younger generations - to help by donating blood or plasma locally.

aging and fewer young people are donating.

Older generations like the baby boomers, adults There are many reasons why blood and plasma 57 and older, are aging out of the donor pool inventories have fallen so low. Thousands of and first-time donors aren’t replacing them at blood drives were canceled due to COVID-19.

Additionally, U.S. hospitals have seen an increase adequate rates. in trauma cases requiring transfusions. Compared A plentiful blood and plasma supply is important not only for accidents and injuries, but for a host with 2019, the demand for blood at trauma centers has increased 10%, escalating the urgent of medical procedures. need for blood donations.

“Blood and plasma aren’t just used in Beyond current events, blood supplies in general emergencies. They are used to treat anything from injuries from a car accident to chronic are decreasing because the typical donor is illnesses like cancer to burn injuries. To ensure help is there when people need it, we have to have a stable supply of blood and plasma and the need has never been greater. We

urgently need donors of all ages - and we need it now,” said Dr. Alexander Carterson, head of medical, scientific and clinical affairs for Abbott’s diagnostics business.

Johnson

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10 Estrella Publishing - Main Street magazine

Whether it’s a one-time need, or for ongoing lifesaving procedures, blood and plasma donations help make a difference for millions of Americans every year.

“One donation can save up to three lives and that’s truly amazing. We are committed to raising awareness about the need for blood donors so that people can live their best lives,” Carterson added.

Join the BE THE 1 movement and donate to be a part of the solution. Learn more about donation at www.bethe1donor.abbott.

October 2021

Yum Yum

Chicken Sheet Pan Dinner with Grapes, Carrots and Parsnips Ingredients 2 tablespoons extra-virgin olive oil 2 1/2 teaspoons ground cumin 1 1/4 teaspoons turmeric 1/2 teaspoon sea salt 2 large garlic cloves, minced 4 chicken thighs on the bone, skin removed and visible fat trimmed 2 medium onions, sliced 1/3-inch thick 3 carrots, peeled and cut in 2 and 1/2-inch sticks 2 medium parsnips, peeled and cut in 2 and 1/2inch sticks Freshly ground pepper 1 1/4 cups red California grapes

turmeric, salt and garlic. Add the chicken, turning to coat, and then transfer smooth side up to the baking sheet. Add the vegetables to the bowl and toss in the remaining spiced oil, then distribute them around the chicken pieces on the baking sheet. Season with freshly ground pepper.

Roast the chicken and vegetables for 25 minutes.

Sprinkle the grapes over the vegetables and roast about 5 minutes more, until the juices run clear when the chicken is pierced with the tip of a small sharp knife. (Note: for softer roasted grapes, add them to the pan earlier.)

Directions Heat the oven to 400 F with rack in the center.

Line a shallow baking sheet (10x15 or 11x17) with parchment paper or foil (shiny side down). If using foil, spray with vegetable oil cooking spray to prevent vegetables from sticking.

In a large bowl, stir to combine the oil, cumin,

READY TO BUY OR SELL?

CALL ME TODAY! Helping You Make The Right Move

Mark Summers REALTOR®

623.293.2882 Mark@MarkSummersRealEstate.com www.MarkSummersRealEstate.com @RealMarkSummers @RealMarkSummers

Experienced Top Producing Real Estate Specialist Estrella Publishing - Main Street magazine

October 2021

11

Holiday Shopping With the holiday season around the corner, there is no better way to reconnect with loved ones than through gifting a new experience or favorite pastime to create lifelong memories. Below is a list of five experiential travel gifts for everyone on your holiday shopping list - including the person who has everything.

Tickets to live events For the friend or family member who shares new music before it hits the radio. There’s nothing quite like seeing your favorite band take the stage to play their top hits live, or sitting courtside to cheer on your hometown team.

Art class series For the friend or family member who spends their weekends covered in paint and clay. Give the gift of craftsmanship through a series of

classes with local artisans.

If your giftee is an interior design fanatic, a woodworking or upholstery class could be the winner.

Culinary adventures For the friend or family member who is constantly testing out new flavors in the kitchen.

Consider gifting a cooking class that dives into regional dishes and local ingredients.

Action-packed escapades For the friend or family member who is always seeking their next adrenaline rush. Help them chase their next adventure and give the gift of once-in-a-lifetime moments. Whether that be channeling their inner speed demon with a race car test drive or cheering on their daredevil nature with extreme whitewater rafting, these heart-pumping experiences make the perfect gift.

Wellness essentials For the friend or family member who indulges in self-care on a daily basis. From aerial yoga to tai chi classes, spa and wellness packages will open the door to boost personal care.

Put a bow on top Wrap any of these gifts up with a hotel stay!

Many hotels offer unique experiences, so be sure to research or contact hotels in your sought-after destination to learn more. So, get a head start on holiday shopping and gift an unforgettable experience.

Dorothy Lockard 311 N Miller Rd | Buckeye (623) 935-6209 Dorothy.Lockard@fbfs.com www.dorothylockard.com

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12 Estrella Publishing - Main Street magazine

October 2021

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Estrella Publishing - Main Street magazine

October 2021

13

REVERSE MORTGAGE* No mortgage payments for life Consolidation debt, home repairs and much more without payments Home equity line of credit Money received is non-taxable Insurance built into the loan to protect both you and your family Purchase and Refinance options

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REVERSE MORTGAGE FAQ'S Will the government or lender own my home?

Can my family member have ownership in my home if I should pass?

NO! The homeowner(s) who occupy the property will remain on title and have full ownership. The reverse mortgage is simply a lien recorded against the property, just like any other mortgage.

Yes! The owner(s) may add other family members or place the home in a trust, so family automatically has ownership in the property and equity as well.

Will my family be responsible for the debt?

If I take out a reverse mortgage, does that mean I will leave nothing to my family?

NO! A reverse mortgage is a non-recourse loan, so if your value ever falls below what you owe, your family will never have to pay the deficiency.

You must own your home outright in order to do a reverse mortgage!

FALSE! You may already have existing mortgage, which can be refinanced and paid off with the reverse mortgage.

A reverse mortgage could 14 Estrella Publishing - Main Street magazine be just what you need!

NO! Reverse mortgages have insurance automatically built in to protect the family. Most homes continue to increase in value over time leaving even more equity for family. Even if the property value should decrease below what is owed, the family can acquire the property for 5 percent less than market value regardless of how much is owed or how low the value may be.

October 2021

Keeping The Lights On Like most Americans, you’ve probably been living, learning and working from home more than ever, which means you need power all day long - for your HVAC system to your internet connection and, of course, your lights. On top of that, severe weather events, including everything from hurricanes to heat waves and more, are predicted to become even more frequent in coming years due to climate change.

If you’re concerned about blackouts due to severe weather and power grid failures, you’re not alone - more people today are considering ways to keep their homes powered, no matter what happens.

Thinking about getting a generator to help protect your home’s power in case of an outage or severe weather? Here’s what you need to know about whole home generators.

· · · · · ·

How home generators work If you get a standby generator for your home, the unit is permanently installed and connected to your natural gas line or liquid propane fuel source, along with an automatic transfer switch.

When the system senses that your utility power is offline, the automatic transfer switch seamlessly shifts your selected electrical circuits and appliances to standby generator power. You don’t have to go outside or do anything with the generator. It’s set up to work automatically, within seconds, night or day - whether you’re home, or awake, or not.

Are standby generators different from portable generators?

Simply put, portable generators lack the power capability of standby home generators, and they do not turn on automatically.

Portable generators are not permanently installed, and they always have to be manually started and set up. They typically run on gasoline and must be refueled every few hours to keep Open every night from 5 pm to 1 am Every child seen by a pediatrician operating. In short, portable Faster than the emergency room generators offer several benefits Online registration to get into queue for uses beyond the home, but or register for telehealth visit Telehealth visits from anywhere in AZ they’re not an ideal solution AHCCCS and most major insurance during power outages.

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October 2021

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16 Estrella Publishing - Main Street magazine

October 2021

Estrella Publishing - Main Street magazine

October 2021

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Furry Friends The weather is finally cooling, and we have two fun events planned for this month that will encourage you to get outside with your two- and four-legged companions in support of a good cause.

Our friends at the West Valley Gardening Group are hosting a plant sale and workshop on Saturday, October 23, from 9 to noon, with all proceeds to benefit Community Paws. This time of year is perfect for sprucing up your yard and replacing those plants that didn’t make it through the scorching summer. Planting in fall will give your new plants plenty of time to acclimate and build robust root systems before the summer heat sets in again next year. Find more details about the event at CommunityPaws. org.

Paws on Parade is back! After a year off due to COVID concerns, we are excited to have you join us on Saturday, October 30, from 9 to noon, to celebrate our four-legged friends. Walkers will gather on the Village Green in downtown Verrado to parade through the neighborhood,

followed by a Halloween K-9 costume contest and a pet-centric market with plenty of fun activities for everyone. Simply register online at CommunityPaws.org before October 1 to save $5 on the $30 registration fee. Your ticket will admit the entire family.

Don’t have a dog to walk? Or does your dog not like crowds? Or perhaps you are more of a cat person? No problem. Dogs are not required to participate, and every dollar raised supports ALL the animals in our care.

If you bring your furry companion, here are a few tips to ensure your dog is prepared for the festivities. Be sure you know if your pet is comfortable being around other dogs and lots of people. If you choose to participate in the costume contest, make sure your dog is happy to dress up, and if he/she isn’t comfortable, don’t force the situation. Make sure the costume has nothing to chew or choke on and that it fits properly with no dangling parts. Be a responsible pet owner by picking up after your pet.

Local businesses can participate, too, by becoming a sponsor for this special event.

To find out more about available sponsoring/ advertising opportunities, send an email to info@ CommunityPaws.org.

We hope you’ll join us for these fun events.

Thank you for your support!

Submitted for Community Paws by Lyndie Mason Warner, a Verrado resident.

18 Estrella Publishing - Main Street magazine

October 2021

623-594-9283 al@estrellapublishing.com

Can’t wait to enjoy the fall weather outside?

Let us help you get those bugs under control.

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www.estrellamtnpest.com Estrella Publishing - Main Street magazine

October 2021

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October 2021

Diving Into Dad Duties Five Tips For New Dads Fatherhood is a profound, wonderful journey full of moments that you will cherish for a lifetime.

Here are five tips for dads who are new to the experience.

1. Master the art of diapering. Diapering is part of Fatherhood 101. Changing a diaper is a simple way to help keep your baby happy while bonding with your baby.

2. Work as a team to handle baby duties. You and your partner are a team, so try to share all the responsibilities. Make sure to help out when the other parent is tired or busy.

3. Communicate, communicate, communicate.

When you’re part of a team, communication is key. If you’re going to be late coming home from

work, call your partner. If you’re not sure how to handle a baby-related task, ask someone.

Opening the lines of communication can work wonders.

4. Be patient. Fatherhood isn’t an exact science, so remember that becoming the best dad you can be takes time. Enjoy those moments when you’re still figuring things out and remember to laugh.

5. Take care of yourself. Being a good dad means being there for your child. Make sure you are staying healthy and avoiding unnecessary risks. Exercise, watch your diet and be safe.

Submitted by Nicole Bigham, On-site Owner, The Goddard School in Buckeye-Verrado

We help children explore and discover their interests through play in a safe environment. Highly trained teachers gently guide and encourage children every step of the way as they grow, develop and achieve important milestones.

CALL TODAY! BUCKEYE (VERRADO�) • 623-255-3290 4320 N. School Hill Road

GoddardSchool.com The Goddard Schools are operated by independent franchisees under a license agreement with Goddard Systems, Inc. Programs and ages may vary. © Goddard Systems, Inc. 2019

License #CDC-14808

Estrella Publishing - Main Street magazine

October 2021

21

Money Matters What does retirement security mean to you? And how can you work toward achieving it? Here are some suggestions:

• Build your resources. While you’re working, save in tax-advantaged accounts such as your IRA and 401(k) or similar employer-sponsored retirement plan. In your 401(k), contribute at least enough to earn your employer’s match, if one is offered, and increase your contributions whenever your salary goes up.

• Look for ways to boost retirement income.

When transitioning to retirement, you can take steps to align your income with your needs. For example, consider Social Security. You can start collecting it as early as 62, but your monthly payments will be much larger if you can wait until your “full” retirement age, typically between 66 and 67. So, if you have sufficient income from other retirement accounts, and you and your spouse are in good health with a family history of longevity, you may consider delaying taking Social Security.

• Prepare for unexpected costs. During your retirement, you can anticipate some costs, such as housing and transportation, but other expenses are more irregular and can’t always be predicted, such as those connected with health care. Even with Medicare, you could easily spend a few thousand dollars a year on medical expenses, so you may want to budget for these costs as part of your emergency savings, and possibly purchase supplemental insurance. You may also want to consider the possibility of needing some type of long-term care, which is not typically covered by Medicare and can be quite expensive. The average annual cost of a private room in a nursing home is more than $100,000, and it’s about $55,000 per year for a home health aide. To address these costs, you may want to consider some form of protection, such as long-term care insurance.

• Do your estate planning. It’s hard to feel totally secure in retirement if you’re unsure of 22 Estrella Publishing - Main Street magazine

what might happen if you have an unexpected health event, become incapacitated or die earlier than expected. That’s why you’ll want to create a comprehensive estate plan – one that might include documents such as a durable power of attorney, a will and a living trust. A review of your insurance coverages and beneficiaries can also help protect your assets and ensure they are distributed the way you want. In creating your plan, you will need to work with your financial advisor and a legal professional, and possibly your tax advisor as well.

Thinking holistically about your retirement security and developing and executing a strategy aligned with your goals may help free you to enjoy one of the most rewarding times of your life.

Submitted by Wayne Polk, AAMS, Financial Advisor, of Edward Jones, Verrado resident

October 2021

Estrella Partners.

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• Remove Mortgage Insurance • Lower your monthly payment • Get into a shorter term • Cash out for home improvements

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Disclaimer: Suburban Mortgage, Inc. is a licensed mortgage banker in the state of Arizona, AZ BK 0010123, NMLS 3089. This is not a commitment to lend. All loans subject to credit approval; guidelines subject to change without prior notice. The information is provided to assist business professionals only and is not an advertisement to extend to the consumer; as designed by Section 226.2 Regulation Z. EOE Equal Housing Lender. AZ BK 0010123 / NMLS 3089

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Estrella Publishing - Main Street magazine

October 2021

23

Quarter Page Magazine(4.25”x5.5”)

Are you a public school, state or local employee planning your next chapter?

Let us help you prepare. To learn more, call my office today.

Wayne Polk, AAMS®

PRT-4873E-A

Financial Advisor

24 Estrella Publishing - Main Street magazine

4252 N Verrado Way Suite B202 Buckeye, AZ 85396 623-386-2821

edwardjones.com Member SIPC

October 2021

Home Sweet Home The kitchen is famously the go-to room of the house where family and friends gather to spend time together, so it should be a space that you enjoy hanging out in. If your kitchen’s decor is starting to look a little tired, you can always freshen things up by adding modern and functional touches.

Here are five ideas - from simple to complex - that can transform your kitchen from tired to top-notch.

1. Color your world Adding color doesn’t need to be expensive or time-consuming. For instance, small appliances are to kitchens what throw pillows are to couches. Look for small, countertop kitchen appliances with a color you love and put them on display. Dress up your floors with a colorful runner. Paint something - an accent wall,

a nook, woodwork, or cabinets.

2. Warm up your countertops If you want to add a bit of natural warmth to your kitchen, consider butcher block countertops.

Adding to the benefits of butcher block, the close grain of the wood provides a smooth, scratchresistant surface that’s easy to clean.

3. Make a cozy, intimate seating area Because people tend to congregate in the kitchen, invite them to stay awhile by installing a modern seating area. Get creative with counter seating, or carve out a cozy nook in a corner. Banquet seating or a bench at a window-side table can give your kitchen an inviting atmosphere.

4. Shed a new light on it Updating your light fixtures can make a nightand-day difference in the mood of your kitchen.

The easiest to install is pendant lighting that you plug into the wall. Hang a hook from the ceiling and swoop the cord over it and voila, you’ve got modern lighting.

5. Put a spotlight on your kitchen floor Fresh flooring can greatly revitalize your kitchen, instantly sprucing up any dull decor with a timeless product that is resilient, waterproof, durable and attractive.

15350 W. McDowell Rd., Goodyear, AZ 85395 (623) 925-1815 www.osbornejewelersinc.com

Estrella Publishing - Main Street magazine

Breathing new life into your kitchen can be as simple or as complex as you want to make it.

Start small and go big, or start big and accent with small touches of color. Make it yours, and make it inviting.

October 2021

25

Halloween Vocabulary Puzzle

26 Estrella Publishing - Main Street magazine

October 2021

Samurai Sudoku for October This samurai sudoku puzzle is a great way to engage the brain and help develop logic skills. There are 5 overlapping grids with one unique solution. Each of 4 corners are shaded. To solve this Samurai puzzle use standard sudoku rules for every 9x9 grid: each digit from 1 to 9 can only appear once in Samurai Sudoku Puzzle #13 every row, column and 3x3 box. Good Luck! Solutions are on our website www.EstrellaPublishing.com This samurai sudoku puzzle is a great way to engage the brain and help develop logic skills. There are 5 overlapping grids with one unique solution. Each of 4 corners are shaded. To solve this Samurai puzzle use standard sudoku rules for every 9x9 grid: each digit from 1 to 9 can only appear once in every row, column and 3x3 box.

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Samurai sudoku grid, symmetric, beginner No 13 Created: https://www.sudoku-puzzles-online.com

Estrella Publishing - Main Street magazine

October 2021

27

Business Directory

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Ironwood Acupuncture Main Street Dental Majestic Beauty Spa Skincare Extraordinaire & Salon Yoga Ascension

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LANDSCAPING / POOL CARE Buckeye Desert Landscape Estrella Owner Services Landscapes West Valley Rock

602.527.2818 623.693.5695 623.386.8777

PET CARE Gentle Hearts Animal Hospital Pamela’s Pet Visits & Boarding

623.298.4200 623.337.7107

REAL ESTATE Adair Fine Homes Group - C Adair Exp Realty - T Topie Impresa Real Estate Main Street Property Mgmt - K Pellerin Realty One Group - A King ROG - Disney Premier Properties Realty One Group - M Summers Realty One Group -Synergy RE Partners Robson Reserve at PebbleCreek TK Luxury Group - Keller Williams

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RESTAURANTS & RETAIL Estrella Ordnance Osborne Jewelers Pure Patio The UPS Store

623.262.2154 623.925.1815 623.299.8000 623.925.4760 October 2021

Full Service Family & Cosmetic Dentistry C Matthew Kennedy, D.D.S. c FAMILY-OWNED, VERRADO RESIDENT

NON-CORPORATE DENTIST Porcelain Veneers/Cosmetic Bonding Tooth-Colored Composite Fillings All Crowns & Dentures Made Using A High-Quality, LOCAL Laboratory Ortho Provided By Olson Orthodontics Implants Placed By Periodontist Philips ZOOM!® In-Office Whitening VELscope® Vx Oral Cancer Screening Certified Invisalign™ Office Laser Dentistry & Gum Therapy Convenient Appointments Flexible Financing Kid-Friendly Office

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For all individuals who complete a new patient exam, necessary cleaning, and x-rays. Offer not to be used in conjunction with any other offers or reduced-fee plans. Offer good in absence of periodontal disease. New patients only. Management reserves all rights.

C Serving the Verrado Community Since 2009 c SCHEDULE YOUR APPOINTMENT TODAY!

623-594-8100

4252 N. VERRADO WAY, SUITE 105 | BUCKEYE, AZ 85396

DentalOnMain.com

Estrella Publishing - Main Street magazine

October 2021

29

30 Estrella Publishing - Main Street magazine

October 2021

FORGING FRIENDSHIPS AT ROBSON RESERVE AT PEBBLECREEK

15833 W. Clubhouse Drive Goodyear, AZ 85395 623.440.6800 l RobsonReserve.com

Life was meant for great adventures and close friends. At Robson Reserve at PebbleCreek, you can have both. With planned outings and adventures, there is always something new to enjoy and someone new to enjoy it with.

Call today for fall specials!

Call 623.440.6800

Schedule your personal tour today. 623.440.6800 l RobsonReserve.com Photographs courtesy of L Kopis and Hollywood Company Productions All residences must be occupied by at least one resident 55 years or older. Services provided are limited to those described in the Lease or Residency Agreement. The community is not a hospital or nursing home. All dimensions and measurements, including without limitation square footages, ceiling heights and window sizes, styles and locations, are approximate and may vary per floorplan.

Measurements in model residences may vary slightly without incurring any obligation or liability. Actual residence measurements will vary. Terms are subject to change without notice. 19RC150 10//20

Estrella Publishing - Main Street magazine

October 2021

31

Your Hometown Real Estate Experts

4091 N Golf Dr – Verrado | 1,531 Sqft | 2 Bed | 2 Baths | Price: $429,990

21353 W Mule Deer Way – Verrado | 3,390Sqft | 3 Bed | 2.5 Baths | Price: $739,990

21365 W Mule Deer Way – Verrado | 4,101 Sqft | 4 Bed | 3.5 Baths | Price: $889,990

623-688-4447 | Verrado@KW.com | www.TKLuxuryGroup.com Same Office Location on the SWC of Verrado Way and Main Street 4236 N Verrado Way Ste 102, Buckeye, AZ 85396

Tim Klimek

The #1 REALTOR in Verrado – TIM KLIMEK The #1 TEAM in Verrado – TK LUXURY GROUP Call 623-688-4447 for a Free Consultation or Property Evaluation

Associate Broker 32 Verrado Estrella Publishing - Main Street magazine October 2021 16-year Resident If your property is currently listed, this is not meant as a solicitation. Prices and property availability remain subject to change. © 2021 TK Luxury Group