Main Street
November 2017
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From Me To You... Welcome! to the November edition of Main Street magazine!
I am by no means what you would consider overweight, however if I put myself on the recommended weight chart, you all know the one, I come out right at the top edge of normal. To look at me you would probably not guess that. I am 6 feet tall and 173lbs. True stats. I maintain that I am ‘big boned’ but that apparently does not fly medically. In fact my doctor even told me that I need to lose some weight to improve my health. So I was bound and determined to lose a few pounds. And I did. Want to know my secret? Eat less and move more. It is that simple, and that hard. I always want to choose desert and soda,
so now I try to eat them less frequently and in smaller quantities. Then there is the exercise. I am not a fan. So walking is my go to and I do try to get those elusive 10,000 steps every day. Did you know that according to Web MD the average American is 23 pounds heavier that his or her ideal body weight? Also a loss of only 5 percent of your weight lowers your risk for diabetes and cardiovascular disease? Both good reasons to try. If you were anything like me as a teenager and young adult, weight was not an issue. I used to eat anything and everything and never gain a pound. I actually ate chocolate cake for breakfast most mornings before school and again when I got home later that day. Now however, things are certainly not the same. I look at a piece of cake and gain a pound or more. I had a terrible bout of stomach flu a couple of years ago. I mean it was terrible. I actually googled ‘Dysentery” at one point it was that heinous. Anyway, I lost a good 6
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pounds over a couple of days and decided that on balance I would take the weight loss as payment earned. Still feeling a little delicate I decided that a bowl of chicken noodle soup would be a good entrance back into the world of solid food. I was in the bathroom after eating the soup (don’t worry the flu was long gone) and stepped on the scale out of curiosity. 5lbs! 5lbs!!! How is it possible to eat less than a pound of food and gain 5? Good grief! Maintaining a healthy weight is very important to ensure you have a long, happy life. As long as that includes the occasional piece of chocolate cake, count me in!
Catherine Uretsky
Editor Main Street magazine info@estrellapublishing.com 623-594-9283 Don’t forget to visit our website for puzzle solutions, restaurant reviews, coupons and business directories! www.EstrellaPublishing.com
November 2017
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. 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
Main Street
Al Uretsky Publisher & Sales Exec
November 2017
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November 2017
Life As A Caregiver Caregiver “Rules” They say (“they” being some of the experts) there are about “10 Absolutes” of communicating with an Alzheimer’s patient. I read these “absolutes” when our journey first began and felt that they seemed ‘one-size-fits-all’, but decided I would try to abide by them as best I could anyway. Now I have come to learn that all Alzheimer’s patients are NOT the same…at least in the beginning. My mom and I had a discussion about (and still discuss) some of those “absolutes”. And the one thing we both agreed on (as I mentioned in an earlier article) was that I would ALWAYS tell her the truth…even if it meant it was something she didn’t quite believe or want to hear. It will be the truth, but I would (and do) work very hard on the manner in which I deliver the truth. For example: One of the ‘absolutes’ is: “Never argue; agree instead”. Well, we DO argue from time to time….because I am telling her something that is different from what she believes is true. I have learned to speak calmly, but sternly, about what that truth is….and she accepts, and trusts, that I am telling her the truth. Two of the “absolutes” I totally agree with: “Never say “remember”; reminisce instead.” And “Never say “I told you”; repeat instead.” I was very guilty of these two missteps in the beginning, as most people are. Then it occurred to me….if they remembered in the first place, they wouldn’t be asking again or doing something and reacting like they never heard of it before. One of the books I read early-on, was entitled “Learning to Speak Main Street
Alzheimer’s”, by Joanne Koenig Coste. It is clearly a roadmap through this journey and it helps people like me understand and prepare for what is coming. One of the best pieces of advice the book gave me was the following: ‘In talking to a person with Alzheimer’s, the goal is to stimulate conversation and win trust on a personal level before expecting them to open up, because they often stay quiet. The particular subject isn’t all that important; talking about movies we’ve seen (or ones I am going to see), or parties I’ve been to (or are going to) are good. (Sports, weddings, gardening and certainly animals are also good subjects that seem to have impact). Maintain eye contact to assure them you are truly listening. Be aware of the expression your face is conveying. Every chance you have to nod or pat their arm in affirmation will encourage confidence and help them not be as tentative about speaking.’
or peel the fruit. I am here. I’ve not yet gone.” “I am seeking. I am not lost. I am forgetful. I am not gone! I know my mom gets scared. And sometimes sad. I know she wonders what is happening to her. I try and tell her, but it is not from truly understanding what is inside her or what she’s feeling. She thinks and talks about her mother (my Nana) a lot. More about her mother than my father. Her face lights up when she sees me. And Buddy. And her caregiver, Rose. We are her world; her tribe. She trusts me implicitly! And so I try my best! Each day. That’s all I can do. Submitted by Kathy Linton, West Valley Resident
She also shares various quotes which I still read as a reminder: “Thank you for hanging a picture of a toilet on the bathroom door. Thank you for not mentioning it.” “I can no longer make apple strudel, but I can chop pecans or roll the dough November 2017
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The Doctor Is In POTS – Postural Orthostatic Tachycardia Syndrome
Postural Orthostatic Tachycardia Syndrome, called “POTS”, is a relatively new and growing diagnostic label. Individuals with POTS experience a very rapid increase in heart rate when they stand up, often with symptoms of fatigue, lightheadedness, and anxiousness. The rapid heartrate is the unique characteristic of this condition. The current diagnostic criteria for POTS is a heart rate increase of 30 beats per minute (bpm) or more, or over 120 bpm, within the first 10 minutes of standing, without a significant drop in measured blood pressure. Standing for 10 minutes is a very simple test for POTS but many patients are diagnosed by a cardiologist using a tilt-table test. The symptoms of POTS are due to the inadequate delivery of blood and oxygen to the brain from to damage to the Autonomic Nervous System. POTS is triggered by physical trauma to the brain from concussions, emotional traumas, as well as inflammatory reactions that may result after vaccinations or surgery. The Autonomic Nervous System is how our brain modulates our heart, and erratic heart rhythms and heart rates are connected to Autonomic Nervous System dysfunction. Autonomic testing can reveal how someone’s brain is able to control their heart, and whether this dysfunction has put them at risk of A-fib, heart flutter, or sudden death (“Cardiac Autonomic Neuropathy”).
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One important point to know is that POTS is not a discrete diagnosis, it is considered a “syndrome”. The medical use of the word “syndrome” implies a lack of a well-defined understanding of the disorder at hand. In other words, there are probably a variety of issues causing the disorder. What is clear is that POTS is a form of Autonomic dysfunction, which is capable of improvement or recovery. The core feature of POTS, the rapid heart rate, is from the inability of the body to generate enough blood pressure and oxygen delivery into the brain. It is a hydraulic malfunction with blood pressure regulation which makes the pulse go up very high. Vasovagal Syncope (VVS) is another Autonomic disorder causing low oxygen delivery to the brain but the main symptom of VVS is passing out when startled or stimulated (needle puncture from blood draw, sight of blood, a negative visual experience).
are frequently feeling faint or lightheaded. If you or a family member have been diagnosed with POTS or any of these other conditions causing low brain oxygen, the encouraging news is that these things are now reversible. The reduction of brain inflammation, reversal of bacterial overgrowths, and stimulation of the Autonomic Nervous System helps reverse the underlying dysfunction and eliminate symptoms. © 2017. Dr. Patrick M. Nemechek and Jean R Nemechek. All Rights Reserved.
Submitted by by Dr. Patrick M. Nemechek, D.O. Verrado resident
Yet another Autonomic disorder causing low brain oxygen levels is neurogenic orthostatic hypotension. In this case, individuals have very low blood pressure readings at the arm and November 2017
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Main Street
November 2017
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Bergen Financial Group Presents Power & Protection Strategies For Retirees - - Avoid 10 Pitfalls Made By Retirees!
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IRA Rollover 10.25%1 gtd. 1st year
This entitles the holder to RSVP for up to 4 people A COMPLIMENTARY MEAL Verrado Golf Club - Banquet Room
4242 N Golf Club Drive, Buckeye, AZ 85396 Wednesday, November 15th at 4 PM followed by Dinner NOTHING WILL BE SOLD AT THIS FREE WORKSHOP! Your Speakers: Darcy L. Bergen AZ License #155178 Darcy L Bergen is a fiduciary and the founder of Bergen Financial Group. Darcy is an experienced television and radio personality, having hosted radio shows including “Smart Money” and “Safe Money & Income Radio Show with Darcy & Heather.” He has presented hundreds of seminars dealing with all aspects of money, and now focuses on matters associated with retirement. Darcy is a Certified Retirement Financial Advisor (CRFA) and is a NAFA member (National Association for Fixed Annuities).
Bryan Little AZ License #23626 Bryan Little is a fiduciary and specializes in retirement and income planning. Since 1995, Bryan has had a goal in helping his clients achieve their ideal financial retirement. Bryan is a licensed insurance agent, licensed to sell life insurance and annuities. Being an independent advisor, he strives to find the best companies and products to help clients achieve their goals.
Seating is Limited... Call to RSVP 1-800-915-2502 Bergen Financial Group • 20542 N. Lake Pleasant Road, Suite 111 • Peoria, Arizona 85382 This is not intended to be a sales seminar. The purpose of this seminar is to provide you with general information on retirement planning. Neither Bergen Financial Group nor any agents acting on behalf of Bergen Financial Group should be viewed as providing legal, tax or investment advice. Consult with and rely on your own qualified advisor. Annuities: “A surrender during the surrender charge period could result in a loss of premium. Surrender charge structure may vary by state. Please consult your Disclosure Statement for details specific to your state. However, some products have a Return of Premium Guarantee. Issuing companies that have Return of Premium products are Midland National, EquiTrust, National Western and Sagicor. Life Insurance: “Income and growth on accumulated cash values is generally taxable only upon withdrawal. Adverse tax consequences may result if withdrawals exceed premiums paid into the policy. Annuities grow tax deferred and life insurance is tax free under certain circumstances. Withdrawals or surrenders made during a Surrender Charge period will be subject to surrender charges and may reduce the ultimate death benefit and cash value. Surrender charges vary by product, issue age, sex, underwriting class and policy year. 1Interest is based on 10.25% effective June 7, 2017 and is subject to change without notice.” 10.25% First-Year Yield reflects 8% Premium Bonus plus a 2.7%, Fixed Account Rate, and assumes no withdrawals, net of fees. This yield applies only to premiums in the Fixed Account. The Fixed Account Interest Rate is based on current rates and subject to change at the Company’s discretion and based on $250,000 premium.” 2Tax-free refers to income tax-free life insurance. 3Daniel Mazza is our Attorney for Wills and Trusts. His license number is 029570. 4Secure income annuity offered through Security Benefit Life. Insurance products may be presented by Bergen Financial Group, a company that Street provides insurance products for clients. Fixed annuities guarantee that your money will earn at least a minimum interest rate. Fixed annuities may earn interest at a rate Main November 2017 higher than the minimum but only the minimum rate is guaranteed. The issuer of the annuity sets the rates.
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Born and raised in Poole, England our cover model, Mark Squire, moved to Verrado in 2015. A photographer by trade, Mark started out photographing architecture. It was more of a hobby that eventually led to a career. He spent 16 years in Arizona building up his business with corporate clients, photographing everything from jewelry to golf clubs and cars before moving to Virginia, then back to the Valley of the Sun. During ten of those years he covered the Waste Management Open and met some of the world’s greatest golfers. At an interview where Hal Sutton, Cory Pavin, Tom Lehman were center stage, Mark had an epiphany. He realized that all these great stories would be wonderful to share with a wider audience than the 150 or so people in the room. He had heard some amazing stories himself in his time photographing the sport.
Main Street
On Our Cover
As Mark said, “What happens during a rain delay in the sporting arena? They can’t just go home! Some sit down, some play cards while some head towards the nearest food. They start talking and telling the same tales...” He had the idea to turn these stories into a book and Rain Delay was born. Mark took his idea to John Spensiere who became a friend and mentor and the mission to gather interviews from as many pro-golfers as possible began. Over the next 2 years Mark met and talked with everyone from Tom Lehman to Sir Nick Faldo, gathering content for the book that became Rain Delay, Untold Stories From The Legends Of Golf. With every book that is sold, Mark donates 50% of the profits to Elevate Phoenix a program that delivers long-term, lifechanging relationships with urban youth.
“Across America’s hard-toserve urban areas, public school students drop out of school in alarming numbers, and for those that do graduate; the road to post-secondary education is filled with obstacles. Too many of American’s high school students are under served and, as a result, are under performing.” Through Elevate Phoenix, full time teacher-mentors teach accredited elective high school classes in public high schools. These classes incorporate 13 vital character qualities and life skills into the daily classroom curriculum through experiential learning, group activities and discussions. These qualities and skills are designed to develop the personal character, leadership abilities and capabilities needed for success. If you are interested in learning more about Mark and his book you can visit www. raindelayproductions.com.
November 2017
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Furry Friends November is National Adopt a Senior Pet Month First of all, I would just like to extend a special Thank You to everyone who supported the Paws on Parade last month. What a fun day of community. We couldn’t have done it without you! As a senior animal lover and advocate, I can certainly attest to the many joys of adopting a senior fur-friend. A senior dog is considered seven years or older. That’s still pretty young! The need for senior dog adoption is great. There are many benefits to adopting a senior animal. With an older dog, what you see is typically what you get. There are no surprises when it comes to their size or personality, as their demeanor will likely be evident in your first meeting. This is a plus, as it would allow you to see how they would fit into both your family dynamic and your lifestyle.
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An older dog is calmer and less energetic than younger dogs. If you are looking for a calming presence in your home, a senior pup may induce just that. More often than not, the other members of your animal family will connect with the older pup and they will make instant companions. Younger pups do look up to them. For some reason, a dog creates an invitation to chat. Walking a dog is a great way to meet one’s neighbors and to build community. The friendly wag of a tail has done more to break down social barriers and build friendships as well. If you are looking to adopt or foster a new fur-friend, please consider the ones who may be overlooked at first glance. Those of us who have been blessed enough to snuggle up with a furry friend know the calming and healing benefits of their unconditional love. Older pets seem to understand what you have done for them, and they are more than willing to return your kindness
with their love and gentle companionship. If you are not yet ready to adopt a senior pet, please consider becoming a foster, a volunteer dog walker, or offering another service or donation to allow these affectionate souls to enjoy their golden years. Did you know? One Lump or Two? We are hosting a special Holiday English Afternoon tea on Sunday, December 10th from 2pm – 4pm. If you are curious about this British tradition, you won’t want to miss this fun-filled event! Community Paws is also offering gift-wrapping services through December. For more info, please visit: www.communitypaws.org As a reminder, Community Paws will be participating in the semiannual Verrado Yard Sale on Saturday, November 4th. Stop by 20671 Main Street to say Hello and shop for bargains! Submitted by Kristin Robinson, of Community Paws, Verrado resident
November 2017
The Bug Guy Top 10 Termite Prevention Tips After the long, hot summer here in the west valley, fall can’t come soon enough for many people. Before we know it, our days will be shorter, children will be spending more time playing outdoors. But, as the weather continues to cool, people may also start to see an unwelcome sign that fall has arrived – the presence of swarmers, or flying termites. Fall and winter are prime termite season as swarmers emerge to mate and establish new colonies, which often include vulnerable residential properties. Termites can literally eat a home out from under its owners, often without them even knowing until much damage has been done. They have the ability to chew through wood, flooring and even wallpaper undetected, 24/7, and can compromise the structural stability of a home within several years depending on the species. In fact, termites cause $5 billion worth of property damage annually. Luckily, there are many steps homeowners can take to help prevent termites from infesting their property. Here are 10 tips from the National Pest Management Association (NPMA) to protect your greatest investment from termites:
4. Replace weather stripping and loose mortar around basement foundation and windows. 5. Divert water away from the house through properly functioning downspouts, gutters and splash blocks. 6. Routinely inspect the foundation of a home for signs of mud tubes (used by termites to reach a food source), uneven or bubbling paint and wood that sounds hollow when tapped. 7. Monitor all exterior areas of wood, including windows, doorframes and skirting boards for any noticeable changes.
professional inspection annually. Termite damage is not covered by most homeowners’ insurance policies. 10. Store firewood at least 20 feet away from the house. Termites cannot be controlled with do-it-yourself measures. If you suspect a termite infestation, contact a licensed pest professional immediately to determine the extent of the problem and receive a recommendation of an appropriate course of treatment. This helpful information provided by Estrella Mountain Pest Control and the National Pest Management Association. Submitted By Larry Cash, of Estrella Mountain Pest Control, West Valley Resident
8. Maintain an 18inch gap between soil and any wood portions of your home. 9. Consider scheduling a
1. Eliminate or reduce moisture in and around the home, which termites need to thrive. 2. Repair leaking faucets, water pipes and exterior AC units. 3. Repair fascia, soffits and rotted roof shingles.
Main Street
November 2017
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Home Sweet Home Truth be Told, A Realtor Matters!
Using a Realtor has always been the tried and true way of selling a home. A Realtor will guide you through the maze of paperwork, documents, and disclosures during the listing process. A Realtor will also help you with ideas for staging your home if necessary. Done well, you can be assured you will receive qualified buyers viewing your home. Selling a home can be very emotional for a family. A home is so much more than just four walls and a roof. It is the heart and soul of a family, the foundation where memories are created. Realtors understand the human connection and the emotional side of selling a home. A good Listing Realtor will also know the community well, look over every offer from your prospective buyer, have great negotiation skills
and guide you through a sale agreement that fits your needs. Your Realtor will be there for you through the entire process of selling your home.
Over the last couple of years there has been an introduction of seemingly innovative ways to sell your home or purchase another. There are a couple of companies that have popped up looking to make inroads into the secure and respected way we all buy and sell real estate. These companies have very similar methods of operation. They will offer the owner a “reasonable price.” If accepted, the companies then take ownership of the house, fix it, and then flip it. However, since they are a business, working towards a profit of course, and the house they now own might take a while to flip, there are
exorbitant fees involved. Fees vary from house to house, depending on the amount of work needed to get the property in top shape, as well the time it takes to close escrow. They can range from 8% (of the sales price of the home) to as much as 10.5%, a rather large increase in your real estate fee (25%-43% higher) as compared to a Realtor’s fee of 6%. The obvious positive here is that it would be a very quick sell since the company actually takes ownership. A Realtor’s fiduciary responsibility is to you. You will have someone looking out for your best interest in every situation. And, to sum up, a Realtor’s oath to you, it would be Integrity, Service, Commitment, Success, Passion, and Heart. Submitted by Holly McGinty, Realtor with Verrado Realty
Bugs! Bugs! Bugs! You don’t have to live with them. A maintenance program can reduce or stop an infestation in its tracks! Call Larry Cash, to schedule your inspection today! 623.680.6619
For Verrado Residents www.estrellamtnpest.com Your full service Pest and Termite control company Ask for your new customer discount today! Check out “The Bug Guy” article in Main Street Magazine!
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November 2017
Health & Wellness you can’t see.”
Don’t let the flu bug you this year Flu season is upon us, and many healthcare facilities are urging you to start preparing now with vaccines. Ironically, one of the places where you need to be careful is at the doctor’s office or healthcare clinic. The number of people in and out of clinics this time of year increases the chance that someone will leave behind a harmful pathogen. Being in close proximity with people who may already have the flu can put you and your family at risk. You can reduce this risk by following some simple instructions from healthcare cleaning experts. “Healthcare-acquired infections can be a threat to everyone, especially the elderly and young children,” said Steve Zimmerman, director of healthcare services for ServiceMaster Clean, one of the nation’s leading cleaning and janitorial service providers. “Most facilities do a good job of sanitizing their waiting areas, but sick people can spread their illnesses through the touch of a door, magazine or pen - leaving you vulnerable to pick up germs Main Street
The Centers for Disease Control estimate that 9 million to 35 million people will get the flu each year, 140,000 to 710,000 will be hospitalized because of it, and 12,000 to 56,000 will die from the illness. The CDC recommends a vaccination each year for those six months of age and older. While the vaccine may help protect you from the flu, cleaning experts urge everyone to avoid high-touch areas as much as possible. What are high-touch areas? In a healthcare setting, Zimmerman defines high-touch surfaces as anything that multiple people will likely touch during their visit. Some high-touch surfaces are hard to avoid, such as door handles and chair armrests. That’s why it’s wise to wash hands often and use hand sanitizer when necessary. But there are other high-touch areas you can avoid, such as:
up while you’re waiting.
* Toys. Bring your own toys to help prevent your child from picking up an illness from another child. * Restrooms. They can harbor lots of pathogens unless cleaned often. If you must go, limit touching surfaces in the restroom, wash your hands thoroughly and use hand sanitizer if it’s available. * Ink pens. Think about how many hands touch the ink pens in facilities - whether signing in or filling out paperwork, bring your own and eliminate the possibility of sharing germs. * Coffee urns. For many Americans, coffee is a must. If you pick up a coffee pot or stop in your favorite coffee shop, take hand sanitizer with you and use immediately after you pour a cup. Zimmerman also points out that if you schedule visits for the early morning, you are less likely to contract the germs that typically accumulate, since cleaning crews often perform a deep clean at the end of each day.
* Magazines. These are nearly impossible to disinfect once they have been contaminated. Don’t pick them November 2017
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WHETHER YOU ARE BUYING OR SELLING
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November 2017
Tips To Redesign With Kids’ Safety In Mind Smart homeowners take a strategic approach to home improvement projects such as redoing a playroom, living room or bedroom to keep kids’ safety in mind during the redesign process. By being proactive today, you can ensure your entire family can safely enjoy the results of your home improvement project. Here are the top things to keep in mind to create a stunning yet safe space for your family: Corded window coverings are a Top 5 Hidden Hazard in American homes, according to the U.S. Consumer Product Safety Commission. Dangling or accessible cords on window coverings can pose an accidental strangulation hazard to infants and young children. The Window Covering Safety Council recommends only cordless window coverings or window coverings with inaccessible cords be used in homes with small kids. Electrical Electrical updates should always
Main Street
be made with curious kids in mind. It’s easy to update outlet covers to sliding plug options. With these you never have to worry about replacing the outlet plug again because it closes automatically when not in use. Technology is a home improvement game-changer that can make spaces more livable and safe. Smart window and door locks can be installed throughout the home. Kids can now securely enter without a key and parents are sent an alert at that time. You can also set alerts for windows left open so you know to close them to reduce fall risks. Another smart home improvement to consider: motion-activated sensors. These sensors can be placed anywhere you don’t want children to be. For example, when your child opens the front door before you wake or he tries to get into the medicine cabinet, you’re sent an alert to your phone that makes you immediately aware of the activity.
DIY
That vintage armor will look perfect in your just-redone space ... until your kids start to pull out the drawers and roughhouse around it. Tip-overs are another Top 5 Hidden Hazard by the CPSC, which notes in the U.S. a child is sent to the emergency room every 30 minutes as a result of falling furniture. Furniture, TVs and appliances can tip over and crush children, so take an extra step to keep kids safe. Always stabilize furniture, decor and any other items that could fall over.
Painting a room is one of the most affordable yet dramatic ways to refresh a space. However, not all paint is created equal. To maintain high indoor air quality and a safe area for curious kids, be a selective shopper with interior paint. You’ll love your updated home even more when you can trust it is safe for you and your children. With these simple tips you can create a space that is secure, stylish and safe for all.
November 2017
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School Zone Paving The Way To College For families with a child headed to college, senior year is best thought of as a transition year. Plan ahead to make sure your family stays on track. To help you and your child with a successful transition, here’s the essential list of landmarks on the road that will take your child from a senior in high school to a freshman in college. 1. Apply yourself in the fall The journey to college begins early, and by the fall of senior year in high school, your child should be in full transition mode. They should be finishing campus visits and finalizing the list of colleges where they want to apply. Make sure they’ve spoken with admission counselors, thoroughly researched schools
they’re interested in and have everything they need to complete their college applications. Keep tabs on important deadlines and stay organized to avoid missing any critical due dates. For example, will they want to apply early decision or early action? 2. Focus on financial aid from the start For many parents, one of the biggest anxieties around college is the cost. Don’t forget that the Free Application for Federal Student Aid (FAFSA) opens on Oct. 1, and some aid is awarded on a first-come, firstserved basis. Make sure you submit the form as soon as it’s available. At College Ave Student Loans, you can find private loan options for parents and students. Parents and students can try out the prequalification tools to find out if their credit pre-qualifies for a loan, and what interest rates they could expect. Calculators are also available to help you explore your options and see how you can customize the loan payments to fit your budget.
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3. Spring time is decision time Early in the spring, your child will start to receive their first
acceptance letters. Once they’ve heard from all of the schools where they applied, they’ll have a big decision to make. They need to do more than just decide which school to attend; they’ll also need to send in a deposit, complete their housing form and accept financial aid packages. A crucial step in this process is comparing award letters from the colleges where your child has been accepted. In reading these letters, pay close attention to how schools list the total costs. For instance, some schools will subtract the awarded loan amount from the total cost of attendance, while others will not. 4. Tie up everything in the summer Before they head to campus, you and your children should create a budget to keep tabs on college bills. This will help you to stay on track financially and set the right expectations about how they need to manage their money. For parents and students, senior year is an exciting period. Knowing what steps to take and staying ahead of financial matters with useful tools can help make the transition easier for everyone.
November 2017
Ways to take your holiday party to the next level On the one hand, the holidays are all about traditions. You and your family probably have some favorite recipes you like to cook up, or maybe it’s a trip to the tree farm or pumpkin patch. How can you outshine yourself this holiday season? The answer is simple: Think big. Here are some other great ideas to jump-start your holiday party planning. 1. Serve your food the right way. Preparing a holiday meal is a labor of love, but even for small gatherings, it can be a real challenge to make sure that delicious food stays warm and is served at its optimal temperature. Renting chafing dishes for main courses and hors d’oeuvres can ensure that the temperature and flavor of your food stays just right and that those masterpieces you cook up taste better than ever. 2. Add some smoke, snow or bubbles. Whether you want to bring some snow to a Christmas
Main Street
On Your Table
party or some cool smoke and fog effects to ring in the new year, renting a snow or smoke machine can create a party atmosphere like none other. 3. Drink in style. To throw a truly stellar holiday party, there are some items you must have. On the top of many people’s list is a full-service bar. If you don’t have a built-in bar in your home or party venue, you’re in luck. Why? Because you’ll have more options to choose from when you decide to rent one. Whether it’s an illuminated bar, modernist style or a classic stonetop design, renting a portable bar to fit your party is key.
is a sure way to do this. A perfect blend of luxury and deliciousness, a fountain will leave guests talking about that tumbling tower of liquid chocolate or bubbling champagne for years to come. 5. Focus on the details. For many holiday get-togethers, it’s all about having the right plates and serving ware. For a reasonable price, you can easily rent fine china and exquisite glassware that will wow your guests. Best of all, you won’t have to spend a fortune on items you only use a couple of times a year!
4. Fountains of deliciousness. To really go all out, you need to think bigger. You need to plan as though you were throwing an A-list celebrity party. Renting a champagne or chocolate fountain
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Positive Parenting Five tips for staying on budget and keeping the holidays jolly
Candy cane cache: Maintain your holiday budget through these 5 tips (BPT) - If you’re one of those savvy consumers already strategizing how to best fund gifts and other expenses this holiday season, you’re not alone. Sixtyfive percent of U.S. adults who give holiday presents establish a budget for these purchases, according to a recent Coinstar survey. Yet 85 percent admit they still tend to go over budget when it comes to gift buying, entertainment, travel, decorating and other holiday expenses. Fortunately, planning ahead can reduce the risk of overspending. Consider how implementing the following ideas can help you stay on task and on budget when it comes to this year’s holiday expenses. 1. Estimate all of your anticipated holiday expenses, not just gift purchases. Consider costs for decorations, food/alcohol, travel and special events to gain a realistic idea of your projected cash output. If the total is out of reach, consciously decide where to cut back so you’re less likely to spend impulsively. You may have to acknowledge that you’re not able to host a lavish party or buy generous presents for everyone on your list.
spending budget. A full one-third of U.S. adults shop throughout the year, according to Coinstar’s survey, and 27 percent buy the majority of their presents on sale. Only 14 percent are last-minute shoppers. Looking for bargains and unique gift items at stores, at special events and on websites can even be fun when you’re not in a panic. 3. Think of ways to boost your spending power. One method is turning to the spare change you’ve stashed away in a coin jar, in vehicles and around your home. It’s easy to take your change to one of about 20,000 Coinstar kiosks located at grocery stores throughout the country. For many, that’s found money that can be converted into cash or transformed (at no fee) into e-gift cards from popular vendors such as Amazon, Best Buy, Sephora, Lowe’s and Starbucks. 4. Draw names and set gift spending limits for family gift exchanges. As families grow through marriage or children added to the brood, it’s easy to
allow spending and gift giving to get out of control. White elephant exchanges can be great for the kids in the family. Have them gift one of their toys or possessions to another child in the family. That will not only be softer on the wallet, but will teach them the power of gifting and reusing. 5. Consider gifts big on thoughtfulness and small in cost. Perhaps a handcrafted work of art, homemade baked goods or a meaningful service such as childcare would mean more to some recipients than a storebought knickknack, electronic gadget or sweater. Finally, don’t be too hard on yourself if you go over budget despite your best efforts. You can always make up for it by cutting expenses outside the holiday season when you may face less temptation and pressure to buy. For more information on how Coinstar works, visit www. coinstar.com.
2. Reduce your stress by starting your shopping early and taking advantage of sales throughout the year. These strategies will help spread your costs so they don’t all hit at once and reduce your overall holiday
18 Main Street
November 2017
Main Street
November 2017
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Concrete Coating
Desert Rose Izzo Family 623-853-9051 www.thedesertrose.com
ROC Lic# 203136
20 Main Street
Residential / Commercial
November 2017
How Can You Share Your Financial “Abundance” With Your Family?
Money Matters
your loved ones.
Thanksgiving is almost here. Ideally, this day should be about more than football and Black Friday mega-sales. After all, the spirit of the holiday invites us to be grateful for what we have and for the presence of our loved ones.But it’s important to look beyond just one day in November if you want your family to take part in your “abundance.” If you want to ensure your financial resources eventually are shared in the way you envision, you will need to follow a detailed action plan, including these steps:
Get professional help. To ensure your assets go to the right people, you will need to create some legal documents, such as a will and a living trust. The depth and complexity of these instruments will depend a great deal on your individual circumstances, but in any case, you certainly will need to consult with a legal professional because estate planning is not a “do-ityourself” endeavor. You may also need to work with a tax professional and your financial advisor, as taxes and investments are key components of the legacy you hope to leave.
Identify your assets. If you haven’t done so already, it’s a good idea to take an inventory of all your financial assets – your retirement accounts, other investments, life insurance, real estate, collectibles and other items. Once you know exactly what you have, you can determine how you would like these assets distributed among
Protect your financial independence. If your own financial resources were to become endangered, you clearly would have less to share with your loved ones, and if your financial independence were jeopardized, the result might be even worse – your adult children might be forced to use their own resources to help support you.
Straight talk from someone who knows you
Consequently, you will need to protect yourself, and your financial assets, in several ways. For one thing, you may want to work with your legal professional to create a power of attorney, which would enable someone to make financial decisions for you, should you become incapacitated. Also, you may want to guard yourself against the devastating costs of long-term care, such as an extended nursing home stay. Communicate your wishes. Once you have all your plans in place, you’ll want to communicate them to your loved ones. And, second, by making your plans and wishes known to your family well in advance of when any action needs to be taken, you’ll prepare your loved ones for the roles you wish them to assume. Taking the steps described here can help ensure your family will share in your financial abundance as you intended. Submitted by Wayne Polk, of Edward Jones Investments, Verrado resident
VERRADO RESIDENT
Sound financial advice means only making recommendations that line up with your goals and risk tolerance. Thoughtful guidance: It’s how we make sense of investing.
Wayne Polk, AAMS® Financial Advisor
MKT-9650-A
.
4252 N Verrado Way Suite 202 Buckeye, AZ 85396 623-386-2821
Main Street
K&R DESIGN CONSULTANTS Kim Rasmussen
www.edwardjones.com
Member SIPC
I N T E R I O R D E S I G N C O N S U LT I N G S E R V I C E S PROJECT MANAGEMENT
623-399-3491 kimrasmussendesign@gmail.com
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Puzzles & Games Sudoku for November
Thanksgiving Cryptogram
Numbers from 1-9 must appear only once in each row, column and box. Good Luck! Solution is on our website www.EstrellaPublishing.com
Break the code to solve the list of Thanksgiving words. Two letters have been provided for you. Solution is on our website www.EstrellaPublishing.com
8 3 9
5
4
5
7 6
3
6
2
7
6
7
9 8
6
5
9
2 7
6
7
8
5
3
2
9 4
22 Main Street
5 4 6
November 2017
Business Directory AUTOMOTIVE A Plus Automotive Desert Princess Carriage Service Litchfield Auto Repair
623.986.1586 602.300.7076 623.882.8700
EDUCATION The Goddard School
623.255.3290
FINANCIAL SERVICES ACEA Accounting Allstate Insurance Bergen Financial Edward Jones - W Polk Estrella Partners Group Mahoney Law Office Kramer & Kramer Estate Planning State Farm Insurance -Caler State Farm Insurance-Gremillion
623.251.0821 623.208.6922 800.915.2502 623.386.2821 623.594.9283 623.518.3513 623.974.1966 623.327.1685 623.386.7556
HEALTHCARE & BEAUTY Active Life Pain Center Dr. Nemechek Healthy Life Family Medicine Majestic Beauty Spa Permanent Make Up by Kari Skincare Extraordinaire
623.535.9777 623.208.4226 623.889.3477 623.986.5790 602.295.7373 623.826.3726
HOUSEHOLD 5 Dog Electric Al’s Plumbing Century Glass and Mirror Cluff Mechanical Heating & AC Deb’s Creative Interiors Desired Handyman Estrella Mountain Pest Control
623.313.5685 623.329.5170 623.444.6204 602.765.COOL 623.594.6415 623.910.5183 623.680.6619
General Exterminating J & H Appliance Repair K & R Design Consultants Lifetime Moving & Storage The Window Cleaner AZ Younger Brothers Exterminating
623.977.2100 623.925.5427 623.399.3491 602.344.9988 623.738.6064 623.487.3147
LANDSCAPING / POOL CARE Buckeye Desert Landscape Desert Rose Concrete Estrella Owner Services Landscapes Jackrabbit Nursery Pool & Landscapes AZ
602.527.2818 623.853.9051 623.693.5695 623.386.4700 480.999.3348
REAL ESTATE Main Street Lofts Main Street Property Management Realty One Group - Budge Team Realty One Group - T Rutkowski Verrado Realty - Redfield/McGinty Verrado Realty - T Klimek Verrado Realty
623.215.4788 602.672.7182 623.694.3907 623.640.6546 203.912.3995 623.688.4447 623.792.5900
RECREATION Eleutheria Wellness Center
623.986.5110
RETAIL Budget Blinds of Goodyear Estrella Ordnance Foot Solutions Osborne Jewelers Pure Patio Steel Shield Security Doors
480.629.8854 623.262.2154 623.536.6676 623.925.1815 623.299.8000 623.977.3277
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Main Street
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Your Hometown Real Estate Experts, Located on the corner of Verrado Way and Main Street in the Heart of Verrado.
PULTE HOMES – $319,000 20935 West Edith Way – Verrado 2,474 sq. ft. • 3 beds • 2.5 baths Listed by: Pat Redfield & Holly McGinty
LENNAR HOMES – $329,900 20860 W Elm Way – Verrado 2,560 Sq. Ft. • 5 Beds • 3 Baths Listed by: Bette Popiel
K HOVNANIAN – $379,000 20997 W Eastview Way – Verrado 3,528 Sq. Ft. • 4 Beds • 4.5 Baths Listed by: Tim Klimek
DAVID WEEKLEY – $698,900 4547 N 209th Dr – Verrado 3,097 Sq. Ft. • 3 Beds • 3.5 Baths Listed by: Chuck Disney
CUSTOM HOME – $1,180,000 4548 N Regent St – Verrado 4,018 Sq. Ft. • 3 Beds – 3.5 Baths Listed by: Tim Klimek
D UCE D E R CE PRI
K HOVNANIAN HOMES – $389,900 3119 N Evergreen St – Verrado 3,528 Sq. Ft. • 4 Beds • 4.5 Baths Listed by: Chuck Disney
Your neighborhood experts focusing on New Homes, Resale Properties, Custom Homes and Homesites. Dedicated to providing exceptional real estate services in this extraordinary community.
Pat Redfield
Brennen Kent
Aaron Lighter
Bette Popiel
Diane Simpson
Tessie Davis
Pam Disney
Holly McGinty
Jennifer Cline Designated Broker
Chuck Disney N
Call 623.792.5900 or visit VerradoRealty.com to buy, sell or lease property at Verrado Located in the center of Verrado on the corner of Verrado Way and Main Street 4236 N. Verrado Way, Suite 102 Buckeye, AZ 85396 Monday - Saturday 10am - 5pm - Sunday 11am - 4pm
24 Main Street
VERRADO WAY
Tim Klimek
MAIN STREET
November 2017
GREEN STREET