Main Street 8 17

Main Street

August 2017

1

From Me To You...

Welcome! to the August edition of Main Street magazine!

Growing up, my father’s favorite phrase was “Silence is golden!” I guess it was his polite was of telling us to shut up, but we blew it off as just one of those funny things Dad said.

Although silence is a wonderful thing now, when my children were young silence meant trouble. I knew to fear those moments, especially when the silence was followed by an “Uh oh...” That one usually involved calling a handyman.

A family friend once told me that when her 5 children were young she made them sing the whole time they were in the bath. That way she could tend to other things while they played (and got clean). Silence in that situation meant Danger! I must point out that these children were over 4 at this time and several of them went on to become professional musicians. Perhaps she was onto something.

social media and the accessibility of our lives we are constantly being sucked in to the FOMO - Fear Of Missing Out. So we check our phones every few minutes - or seconds. The life that we are watching on our devices is mostly not enriching us, it is distracting us, as real life whizzes by unnoticed.

Now that the monsoons are in full swing and some of our mornings are cooling down, I love to sit outside with a cup of coffee and listen to the silence. It is never really silent, there are birds chirping, the occasional car driving past and a dog barking. But in that moment silence truly is golden.

Catherine Uretsky

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

As an adult I recognise the beauty of silence.

Just being still in the moment is such a rare commodity nowadays. With the onslaught of

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August 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

We’re honored to be #1 in life insurance.

Jeff Caler Ins Agency Inc Jeff Caler, Agent 860 S Watson Road Buckeye, AZ 85326 Bus: 623-327-1685

Helping you protect your #1.

State Farm is #1 in individual life policies* because people trust us to help protect their families and the moments that are most important in life. Let’s explore your options.

CALL ME TODAY.

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.

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.

*Ranking and data provided by SNL Financial based on reported individual ordinary life insurance policies in force as of year-end 2014.

State Farm Life Insurance Company (Not licensed in MA, NY or WI), State Farm Life and Accident Assurance Company 1506551 (Licensed in NY and WI), Bloomington, IL

Catherine Uretsky Publisher & Editor

Main Street

Al Uretsky Publisher & Sales Exec

August 2017

3

The Travel Bug

Do these 5 things for a stress-free summer adventure

Whether it’s a bike ride, hiking for the day or a family vacation at the beach, you’ll want to make sure you’re prepared for the adventures that lie ahead. Check out these five essential on-the-go travel tips that will ensure a safe and stress-free trip.

Pack smart The contents of your adventure pack depend entirely on your plans. Packing for a longer beach vacation? Be sure to make a packing list so you don’t forget anything important, and pack plenty of layers to prepare for all types of weather. If your summer is filled with day trips to the beach, prepack the suits, towels, beach chairs and plastic bags for wet clothes. If you plan on going on long hikes, have bug spray and a first aid kit at the ready. Try to expect the unexpected; you never know when duct tape and a little emergency cash can save the day.

Guard yourself against the sun Nothing can ruin a fun time quite like sunburn can.

Sun protection is something you don’t want to leave behind and you certainly don’t want to get a late start to your day because you have to run to the store to pick up another bottle of sunscreen.

Make sure your summer adventure pack is full of sun gear: sunscreen, sunglasses, SPF clothing, and a baseball cap or a wide-brimmed hat.

Have cold water at the ready It’s important to stay hydrated in the summer heat, so don’t forget to pack plenty of water. To keep your water ice-cold, fill your water bottles halfway with water and stick them in the freezer. Before you leave for your next outing, fill the bottle to the top and you have refreshing ice water to go! Or invest in a well-made reusable, insulated bottle that will keep your water cold throughout the day.

Don’t let empty batteries stop your fun A few hours into your adventure you might find that your phone is running low on battery, making you choose between keeping your access to the outside world and a photo op. Invest in a portable power bank. Just keep it charged and ready in your pack so you can top off your battery meter whenever you’re on the go.

Stay energized with protein-rich on-the-go snacks It can be hard to eat healthy when you’re on the go. Avoid fast-food places that tend to be heavy on the junk food and prepare a variety of nutritious snacks before you hit the road. “Choose foods that are high in protein and other nutrients like vitamin B12, which are essential for maintaining energy throughout the day,” says Registered Dietitian and Nutritionist Dawn Jackson Blatner. “Raw nuts, nut butters, fresh fruit and even eggs are easy to prep and won’t make a mess while traveling.”

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August 2017

On Our Cover Volunteers Needed!

Claire and her adorable son Parker started volunteering with Benevilla in March of 2017 serving clients in the southwest valley. Benevilla provides much needed transportation to vital appointments, manages grocery shopping trips and runs small errands, such as picking up prescriptions from the pharmacy for homebound seniors.

Benevilla is currently looking for volunteers, if you are interested here are some facts: · Southwest Valley volunteers must be 21 years or older. · Youth can volunteer with a parent or guardian 21 years or older. · Must be available weekdays during normal business hours. *Background check required for all volunteers.

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About Benevilla Home Services: Benevilla In-Home Care Services program provides clients that a little extra assistance to maintain their independence. Services are available short- or long-term to those with limited resources and options. Services include: Need help getting your groceries?

That’s where our volunteers come in! The volunteer collects the grocery list for the week, shops at the participating grocery store, delivers the groceries directly to the client, and returns to the store with the client’s payment, providing the personal care and assistance that forms long term relationships.

Need to get to that doctor’s appointment, but can’t drive?

Volunteers pick clients up at home and transport them to appointments such as medical visits. The volunteer waits during the appointment and then takes the client home.

This arm in arm service provides a social opportunity and comfort level rarely found in other transportation services.

Having trouble organizing your affairs? Trained volunteers visit clients at their home and help them organize personal, business and financial matters.

Need someone to fix that faucet or change that ceiling lightbulb?

Skilled volunteers make minor home repairs for those who are unable to manage these tasks themselves.

Feeling all alone? Friendly Visitors provide clients with company and companionship in the comfort of the client’s own home. Visits can include work on a craft project together or simply be a time to chat. Phone Pals call clients on a regular basis for enjoyable conversation and wellness checks.

Started by the community and for the community in 1981, Benevilla is a not-for-profit human services agency dedicated to enhancing the lives of West Valley residents by providing care services for older adults, intellectually disabled adults, children, and families. Services are provided through a dedicated group of staff and volunteers. For more information on services, volunteer opportunities, to donate to Benevilla or to schedule a tour call 623-584-4999 or visit www.benevilla.org.

August 2017

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The Doctor Is In Are High Performance Wicking Fabrics Making You Overheat?

We all know the basic rules to stay cool during hot summer months such as drinking plenty of water.

But what we put on the outside of our body is also important when it comes to staying cool and healthy.

In my medical practice, I see a number of heat stroke and heat-related illnesses during this time of year. A heat stroke occurs when our body temperature reaches 104º. Signs of overheating may include heavy sweating, rapid heartbeat, headache, dizziness, fatigue, muscle cramps, vomiting, and repeated yawning.

The lingering effects of heat-related events are similar to what people feel after a physical concussion. They may have headaches, brain fog, chronic fatigue, nausea, heartburn, or they just feel “off”. The residual brain injury and symptoms after a heat stroke are similar to that after a physical concussion. Fortunately, these symptoms can resolve with proper medical treatment.

I frequently encounter people and endurance athletes who have experienced heat-related problems after wearing synthetic moisture-wicking fabrics. These are fabrics that wick the sweat away from the body quickly, and are advertised to help keep us fresh and dry during exercise. They sound like a great way to deal with the heat.

during exercise. Things that change our ability to cool down by sweating have the potential to increase our core body heat and throw off our thermoregulatory balance and exercise performance.

In other words, we are designed to naturally stay cool by being able to sweat. As stinky and unpleasant that may be, anything that alters our ability to cool down from sweat evaporating off of our skin may make our body temperature rise. And when you consider that the difference between a normal body temperature of 98 and a heat stroke of 104 is only six degrees, every extra degree counts.

My wife and I have both over-heated while wearing moisture-wicking fabrics, and we have switched back to natural fabrics like cotton. Cotton shirts get wet with sweat, and then they slowly dry out. If you are working or exercising outdoors in the heat, watch out for the signs of heat-related illnesses and make sure your clothes are not working against you. © 2017. Dr. Patrick M. Nemechek and Jean R Nemechek. All Rights Reserved.

Submitted by by Dr. Patrick M. Nemechek, D.O. Verrado resident

But might they interfere with our bodies’ natural thermoregulatory process?

Maintaining a stable core body temperature during exercise or in high outdoor temperatures involves the process of body heat production and dissipation by evaporation and respiration. In arid desert climates like Arizona our sweat may dry so fast that we may not realize whether or not we are sweating.

The evaporation of our sweat from the surface of our skin accounts for around 80% of our heat loss during physical activity, and it is our primary means of thermoregulation

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August 2017

Stress-relief & the Kindness of Others

Life As A Caregiver

I talked about taking care of YOU in my last blog as it related to finding a good caregiver to help give you a respite from caring for your loved one.

There are other things that can help you find ways to take care of yourself, as well. One is fairly obvious. Working-out is probably the best stress-reliever we have.

But that doesn’t mean you have to join an expensive gym or go crazy working-out for hours and hours. Around-the-house remedies are also very effective: a brisk walk around the block, lifting hand weights in your living room while watching tv, practicing yoga, using a hula hoop or jump rope in the garage, dancing to your favorite fast-paced music, or (like I just did) purchasing a mini trampoline & bounce around. Any one of these can help clear your mind and refresh your body.

Craft projects can also relieve stress. I enjoy creating something with my hands and have done

Main Street

numerous projects which have brought me enormous amounts of pleasure, healthy frustration, and positive reinforcement. You must choose wisely and not overdue it, but using your creative mind is a very healthy way to release stress. As is reading! Nothing says stress-relief like immersing yourself in a good book!!!

But the most important thing when going through this Alzheimer’s journey is to let those around you know. People can’t help you if they don’t know what you’re going through. In my case, I really do need help from time to time because I am an only child, unmarried and without children.

While it’s not a bad thing to be in this on my own, there are times when it would be nice to have someone to lean on when making tough decisions. NOTE: That is only the case if I were to have a harmonious family. I am thankful that I don’t have to fight or argue with siblings or a spouse on how to care for my mother as some people have to endure.

This new Arizona community of mine has been wonderful in offering their support. Many have offered to come and care for mom for a day so I can

have some personal time. The ONLY upsides to mom & Buddy staying in her casita most of the day is that she is safe, she is as comfortable as she can be, and it allows me to do fun things with friends. But I’m never too far from home, unless Rose is there.

I recently had an amazing offering from one of my favorite Rotary friends and his wife.

They knew I had been lamenting about wanting to do a bit of traveling, so they discussed among themselves about creating a plan to have several Rotarians and friends sign-up to care for my mom for a couple of weeks so that I could do that. When they told me about their plan, I was speechless…and filled with emotion. What a kind, wonderful and selfless gesture… and probably one of the dearest things I have ever had anyone say to me. And who knows….I just might take them up on it!

The point here is….find things to do that make you happy and will mentally & physically give you a break. And reach out for help when you need it. The stronger and calmer you are, the better caregiver you will make and the healthier you will be!

Submitted by Kathy Linton, West Valley Resident

August 2017

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Home Safe Burglaries peak in summer: Is your home secure?

Whether you’re planning a day trip or a month-long extravaganza, summer is full of opportunity for you. But what about your empty house while you’re away? Unfortunately summer months are also peak periods for home burglaries. Seasonal patterns exist in household burglary rates, according the U.S. Department of Justice, with these crimes happening more frequently in the summer than during other seasons of the year because people are traveling more and are away from their homes.

Give yourself peace of mind no matter where you are by taking a few proactive steps to protect your home today.

Step 1: A smart home is a secure home Law enforcement agencies agree that one of the best ways to protect a home is with a security system. Something as simple as a sign noting an alarm system is onsite can be enough to deter a potential theft. Closing and locking all doors and then setting an alarm dramatically decreases burglary odds.

Step 2: Avoid signs that show your home is vacant An empty home is an easy target for break-ins. It can be pretty obvious when homeowners are away, especially if they’ve been gone for a while. Stop your mail and newspaper delivery when traveling, and hire a homewatch company to gather these items for you so they don’t accumulate on your property.

Keep in mind social media has become a rich resource for criminals. Keep profile settings to private and never post photos or other messages on social media about your vacation while still away. Travel posts are like news alerts that your home is empty.

Step 3: Rid your property of hiding spots and easy points of entry Homes with lots of overgrowth and natural coverage provide hiding spots that make break-ins simpler. That means now is the time to trim bushes, hedges and trees, especially around entrance points in the home.

Summer should be a time of relaxation instead of worry. These three steps can help you be smart about securing your home so you can actually enjoy that vacation.

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August 2017

One of a pet owner’s biggest fears will always be losing their beloved pet. Back in New Hampshire, I can still remember when my own 16-year-old pup wiggled out of his collar in our backyard. One moment he was lounging in a shady spot enjoying the summer breeze, and just a few moments later there was a secured leash and collar, but no dog! Knowing he was partially deaf as well, this put me into a state of panic for sure. I was lucky to find him a short while later strolling down the middle of our quiet road like nothing had even happened.

While even the most responsible pet parents cannot always prevent the worst from happening, you can take some general precautions to make sure that your reunion is a happy one.

· Ensure that your pup has a collar on with up-to-date tags. There have been instances within our Community where a pet has been found, yet the tag info was outdated. You can also write your phone number on the collar itself. · Please make sure your pet’s microchip info is current as well. If your pet sneaks out of his collar, this is the next best option for a speedy reunion.

Furry Friends · When on vacation, please err on the side of caution. Your dog may love to explore a new area, yet it is also an unfamiliar one for him.

If someone is caring for your pet while you are away, make sure they know how to enter and leave your home without letting your pup escape unexpectedly. · Even though the Fourth of July is behind us, there are still many outdoor festivities and loud, crowded events that may not be the best place for a pup. Consider leaving your dog at home with some soft music, a Kongfilled treat and the AC. Did you know? If you have lost your pet, place a yard sign in front of your house with a photo of your missing pet and your phone number. People who find a lost pet will often walk or drive around the area trying to find the pet’s owner.

If you’d like to get involved with Community Paws, please visit: www.communitypaws.org. Thank you!

Submitted by Kristin Robinson, of Community Paws, Verrado resident

· Make sure your dog knows simple commands such as “Come” and “Stay” as this may be helpful in preventing your dog from running off if spooked or chasing a lizard. · Be diligent about the safety of your backyard. Do not leave dogs unattended for long periods of time outside, especially if you will not be home. There have been plenty of coyote and bobcat sightings in backyards, even with high walls or fences.

Main Street

August 2017

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The Bug Guy Bugs, Bugs, and more Bugs!

Pest control…bugs aren’t always visible so why do we need bi-monthly home pest control? Due to our year round climate in Arizona we have an abundance of bugs and pests. Just because we don’t see them, doesn’t mean that they are not in and around our homes.

None of us want to live with bugs in our home.

It doesn’t matter if it’s an ant, cricket, spider, or even a scorpion! Pests are not only a nuisance, but can be a health risk as well. It’s important to exterminate them fast as well as consistently using proactive treatments to make sure they do not reinfest. Regularly scheduled bi-monthly pest control services, will greatly reduce the amount of insect activity around and inside your home, and in most cases completely eliminate it. This reduction in activity is a consequence of applying the principles of Integrated Pest Management.

IPM consists of the following: • Access denial and exclusion. • Habitat and harborage modification. • Mechanical and physical control.• Targeted pesticide applications.

Use these guidelines to find the right company to perform bi-monthly pest control:

* Fully implements the principles of Integrated Pest Management. * Connected to your service area with a strong commitment to providing very effective pest control service within our community. * Protect your rights as a consumer.

Ask about licensing as all pest control companies must maintain licensing with the state and the City of Goodyear. * The best companies hold a “Quality Pro Certification” from the National Pest Management Association.

When evaluating a pest control company you should ask questions about what is included in the service.

Pest control maintenance programs should consist of the following: Perform an inspection of your property to determine if there are any special areas that need addition applications. Perimeter application of liquid pesticide to the foundation wall, with special attention to the weep screed. Perimeter application of a pesticide dust to void areas along the foundation wall and any points of entry, gas line, water line, or even the AC line.

Installation of monitoring devices on both sides of the garage doors, and in other potential entry points. Removal of exterior spider webs with a web brush.

It is important to remember that pest control technicians are dealing with a live insect population and treatment may take more than one application to get under control. To maintain effective control of an insect population, they should be consistently exposed to applied pesticides. After careful consideration and evaluation in selecting a pest control company, you can expect to see a significant reduction in pest activity, or possibly no pest activity with bi-monthly pest control services.

Submitted By Larry Cash, of Estrella Mountian Pest Control HVAC REPAIR INSTALLATION SERVICE/MAINTENANCE

Lou Galindo Owner/Operator

623.512.1128 10 Main Street

August 2017

HOME SWEET HOME Selling Your Home in Today’s Market Selling in today’s market is tougher than the media portrays. The average buyer is savvy and they preview hundreds of homes online before they physically start previewing homes in person. Many of the homes in Verrado are 10+ years old and often dated. Updating your home will equal dollar $IGNS when you decide to sell.

Some of the easiest and more cost-effective ways to accomplish this feat are the following: Make sure your home is painted a neutral color throughout. Most people are visual and lack the ability to see past a red accent wall. Go neutral and lean towards a gray color palette or the very trendy grey-eige which is a subtle mix of gray and beige.

Change those dated appliances, buyers today want stainless steel. This is another easy fix that will cost you upfront but pay dividends and help you sell your home quicker than the community average.

Flooring: if your home wasn’t upgraded when you purchased and is showing signs of its age especially if you have 12x12 or even 16x16 tile, strongly consider making this improvement.

Buyers nowadays prefer 12x24 tile or the even more popular wood-look tile that is both stylish and durable.

This leads me to the next renovation project that will help you sell your home faster, cabinets. In the world of cabinets there are three options, refinish, reface or replace. The trend in the marketplace now is the gray color palette with white cabinets. This can all be accomplished through a reputable contractor that can professionally paint your cabinets white for updating, it’s a classic look that is timeless. There are several do-ityourself options in the marketplace but I strongly recommend the services of a professional.

Last and certainly not least, landscaping. Planting new plants or replacing those that are dead is imperative. Have a landscaper trim the yard and do a major clean up prior to listing your home on the market and taking photos. In addition, add several ton of new rock to make your backyard look like new again. If you implement these easy renovations prior to listing your home, it will give you the very best chance to sell, and sell quickly.

Submitted by Diane Simpson, Realtor at Verrado Realty, Verrado Resident

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!

Main Street

August 2017

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Health & Wellness This simple test can set you on the road to a lifetime of better health

Here’s a sobering statistic for you: 20 percent of all deaths in the United States can be attributed to poor lifestyle factors and behavioral choices. It’s difficult to swallow, but fortunately new research also finds that those who take the time to establish a simple screening routine improve their chances of modifying their behavior toward a healthy lifestyle.

The research, appearing in the Journal of Community Medicine and Health Education, shows that individuals who had undergone a cardiovascular screening were more likely to take action to modify their lifestyles after the screening.

In addition, these steps toward potential better health appear to exist regardless of the actual screening results.

Results of the research show a statistically significant difference between those who had been screened and those who hadn’t with regards to modifying future behavior. These behavior modifiers included healthy initiatives such as enjoying a healthier diet or adding exercise to a person’s daily lifestyle.

Perhaps more interesting, researchers found participants were more interested in improving their healthy lifestyle after the screening regardless of their individual screening results. In addition,

patients who tested normal, abnormal or even critical during their screening were all more likely to make health changes after the screening when compared to their prescreening counterparts. Those who recorded abnormal or critical results also reported being more likely to follow their doctor’s exact directions and take all of their medications on the predetermined schedule.

Heart disease remains the No. 1 killer of men and women in the United States, accounting for roughly one quarter of all deaths according to the Centers for Disease Control and Prevention. Yet despite this shocking statistic, many people remain unaware of their current cardiovascular health.

Enrolling in a cardiovascular screening is a fast, easy way to understand your current cardiovascular health and provide you a basis for future health care decisions. It’s an important first step and one that can ultimately lead to a healthier, longer life.

To learn more about cardiovascular screening and to find screening options in your area, visit www. lifelinescreening.com.

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August 2017

Hear Hear 3 pressing reasons to talk hearing health at your next physical exam When was the last time you and your doctor talked about your hearing? The fact is, only about 3 in 10 adults who had a physical exam in the last year say it included a hearing screening, according to research conducted by the Better Hearing Institute.

That’s a shame, because research shows that hearing health is more closely tied to whole health and quality of life than previously understood - which means that diagnosing and treating hearing loss early may be beneficial on many fronts.

To help people take charge of their hearing health, BHI has created a free digital flipbook, “How to Talk to Your Doctor About Hearing Loss,� which anyone can view and download at

www.betterhearing.org/news/ how-talk-your-doctor-abouthearing-loss.

The flipbook provides pertinent information to help consumers start the discussion, which is especially important because research shows that patients are more likely to initiate the conversation about hearing than their doctors are. To go along with the free flipbook, BHI has put together this short list of reasons to speak up and start the conversation on your hearing: 1. Hearing loss has been linked to other significant health issues. In recent years, a flurry of studies has come out showing a link between hearing loss and other health issues, including depression, dementia, cardiovascular disease, diabetes, moderate chronic kidney disease, rheumatoid arthritis, sleep apnea, obesity, an increased risk of falls, hospitalization and mortality, and cognitive decline.

2. Addressing hearing loss often has a positive impact on quality of life. Most people who currently wear hearing aids say it has helped their general ability to communicate, participate in group activities and their overall quality of life, according to BHI research.

The research also shows that people with hearing loss who

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use hearing aids are more likely to be optimistic, feel engaged in life, get more pleasure in doing things, have a strong social network and are more likely to tackle problems actively. Many even say they feel more confident and better about themselves as a result of using hearing aids.

3. Leaving hearing loss untreated may come at a financial cost.

Most hearing aid users in the workforce say it has helped their performance on the job.

In fact, BHI research found that using hearing aids reduced the risk of income loss by 90 to 100 percent for those with milder hearing loss, and from 65 to 77 percent for those with severe to moderate hearing loss. People with untreated hearing loss can lose as much as $30,000 in income annually. Health care spending may also be affected.

For instance, middle-aged adults with diagnosed hearing loss had substantially higher health care costs, according to a study published in JAMA Otolaryngology-Head & Neck Surgery, indicating that hearing loss may place patients at risk for increased health care use and costs. The study authors suggested that early, successful intervention may prevent future hearing-related disabilities and decreased quality of life.

For more information on hearing loss, visit BetterHearing.org.

August 2017

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School Zone The ABCs of back-toschool budgeting

computer or get out a pen and paper.

As summer vacations, sleepovers and outdoor grilling come to a close, it’s time to start thinking about going back to school.

You may be working to pay off summer vacation bills when you realize you need to budget and pay for your child’s school supplies, clothing and other related school expenses.

Consider all the potential back-to-school expenses and not just the obvious ones, such as school supplies and clothing. For example, you’ll want to factor in extracurricular or afterschool activities, tutoring, special school trips and even lunch costs.

In a recent survey conducted

by Coinstar, about half of U.S. parents with kids between ages five and 18 believe school expenses are increasing. Of those surveyed, 57 percent will create a back-to-school budget.

Collaborate with other parents.

Consider joining parent groups, either through your school or community. These groups can offer a great support network to share ideas and information. They also serve as a fantastic resource for meeting parents who have items such as sports equipment their kids have outgrown or even musical instruments their children no longer play. This can lead to some serious money-saving deals.

To ease rising school costs, here are five budgeting tips that will help you get more for your backto-school dollar: Create a budget.

One of the best ways to spend wisely is to create a budget.

If you don’t already have one, open a new spreadsheet on your

Tap your coin jar.

With rising school costs, the old saying that every penny counts

really is true. You can literally put this into practice by collecting all the loose change around your house or tucked away in your coin jar and bringing it to a Coinstar kiosk.

Make a shopping list.

Most schools provide a back-toschool list to help you plan and shop for your child. Use this as a starting point to make your own list and then stick to it! Retailers are set up to encourage impulse buys, but checking to see if something is or is not on your list is one of the most effective ways to avoid purchasing non-essential items and blowing your budget.

Embrace the three Rs: reduce, reuse, recycle. This is a great principle to keep in mind when getting them ready for school, especially for back-to-school clothes. In addition, consignment stores and online retailers are very popular and offer gently used items that check the “reuse” box. And finally, don’t forget to take advantage of handme-downs, whether from older siblings or friends.

Going back to school should be an exciting time for you and your kids. With these five budgeting tips, you can help cut the financial stress out of the process and kick the school year off to a great start.

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August 2017

Family fun: tips for going off-roading From Connecticut to California, there are scenic off-road trails of all varieties - rock, sand, dirt, water and mud - that are ideal for a family off-road excursion. Call it an off-the-beaten-path vacation.

“Leave the electronics at home, grab some supplies, engage the 4x4 system, and see where the adventure takes you. Offroading is not only an extremely enjoyable way to appreciate the great outdoors, it offers a chance to strengthen family bonds and make memories that will last a lifetime,” says Christian Hazel, editor of Petersen’s 4-Wheel and Off-Road.

Depending on the terrain, you can go off-roading in your daily driver - almost any four-wheel-drive or

Vroom Vroom!

all-wheel-drive SUV, crossover or light truck can handle it. You’ll be out in the wilderness for several hours, so some basic tips include:

you’re in a Jeep or family wagon, the wrong tires can result in a disappointment with the handling, ride and treadwear.”

* Bring plenty of food and water. * Take along a flashlight (with new batteries) and a basic safety kit with bandages, sunscreen, gloves, etc. * Research the area/trails where you’ll be off-roading. You’ll most likely be out of cell phone/GPS range, so it’s always good to know where you’ll be driving and what the roads will be like. * Make sure your vehicle is in tiptop shape, especially the tires.

For off-roading, Koplin says you’ll need something extremely durable with great traction. “It all depends on what you drive and what you plan to do, but you can either go with a top-notch all-terrain (A/T) tire, which is very versatile, or a super strong mud-terrain (M/T) tire.

Both types of tires are also designed for highway use and daily driving, too.”

“Off- or on-road, tires are super important,” says Fred Koplin, senior director of marketing and motorsports for Yokohama Tire Corporation. “They play a vital role in braking, steering, comfort and handling. Doesn’t matter if

WHERE YOU START THE JOURNEY CAN MAKE ALL THE DIFFERENCE.

>

CALL TODAY!

Tour your local Goddard School and experience why it’s the best preparation for social and academic success.

Goddard Systems, Inc.’s program is AdvancED accredited.

BUCKEYE (VERRADO®) 623-255-3290 GoddardSchool.com

-----------LEARNING FOR FUN. LEARNING FOR LIFE.® ------------

The Goddard Schools are operated by independent franchisees under a license agreement with Goddard Systems, Inc. Programs and ages may vary. Goddard Systems, Inc. program is AdvancED accredited. © Goddard Systems, Inc. 2017

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August 2017

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Home Ec. 4 laundry personalities: Where do you fit?

You probably have a clear vision of your fashion and style personality. But do you know your laundry personality? Knowing your laundry personality could help ease the load and make the chore easy and fail-proof.

Here are four common laundry personalities, their identifying traits, and tips for achieving maximum efficiency: The light loader Does your desire to separate and preserve clothes, including those delicate special care items, ever leave you with the only option of running the washer with just one or two items? You’re not alone.

According to a recent survey commissioned by LG Electronics, 60 percent of Americans admitted to running a full load of laundry for six items or less.

The super sorter Does the thought of washing dark jeans and a pink blouse in the same load leave you lightheaded? You and 20 percent of Americans prefer to avoid mixing items of different colors in the same load. Some of those surveyed also don’t trust washing items like delicates (52 percent), jackets (49 percent) and blouses (30 percent) in the main wash.

Facilitate your separation efforts by using multiple baskets or hampers in your laundry room.

Label them - darks, whites, delicates, workout, etc. - and encourage family members to drop their dirty clothes in the appropriate basket.

The dumper Do you do minimal separation?

You’re joined by a majority of Americans that load up their washer. 80 percent of Americans have purposely overloaded their washer to avoid doing a second load of laundry. Plus, 22 percent of Americans have deemed clothes not properly cleaned because of an overloaded washer. Highefficiency front-

load washing machines alleviate both of these problems. Unlike traditional top-load washing machines with agitators, frontload washers offer greater capacity while using much less water, which actually cleans clothes better! It’s a myth that more water equals cleaner clothes. Plus, they have faster spin speeds than their top-load counterparts, which means your clothes come out dryer, saving you time and energy when drying your clothes.

Use color-safe detergent and cold water for every load of colors.

With today’s super-efficient detergents and better washing machines, you don’t need hot or even warm water to get clothes clean; cold will work just fine and will reduce the chance of colors fading or bleeding into each other.

The habitual dry cleaner Summer is a busy - and sticky - time, running from work to outdoor barbecues during the hottest months of the year. And refreshing that summer wardrobe between pool parties is key to the habitual dry cleaner looking and feeling their best.

Whatever your laundry personality, you can find a washer, dryer and detergent that will make your chore easier and less time consuming.

Concrete Coating

Desert Rose Izzo Family 623-853-9051 www.thedesertrose.com

ROC Lic# 203136

16 Main Street

Residential / Commercial August 2017

How today’s youth are preparing for the future You don’t have to grow crops or raise livestock in order to understand the vital role both play within society, nor do you have to reside in rural America to understand the value of the farmers and ranchers that do.

From the food we eat to the health of the local environment, the importance of agriculture is boundless. But for agriculture to continue to advance, it’s essential to educate and inspire young minds, invest in the next generation, and turn today’s youth into tomorrow’s agricultural leaders.

That’s where youth agricultural organizations come in.

According to Phil Reiter, vice president of marketing at Tractor Supply Company, members of these organizations are not only learning invaluable life skills but they’re also having a great time while doing it.

Students to Leaders

From attending local fairs to competing in contests and career development events, members have the opportunity to travel and work alongside classmates that have similar interests as them.

Growing Confidence Group meetings provide a fun setting for members to interact with both peers and adults.

Throughout the year and during fair season, members are often required to address large crowds.

Whether it’s presenting animals to a panel of judges or giving a speech, high-pressure situations like these teach students about preparation, poise and public speaking.

Leadership Opportunities Both 4-H and FFA focus on empowering young people to take on leadership positions within their respective organizations.

While in FFA, members elect their own officers and are responsible for planning and conducting activities throughout the year.

Through involvement in youth agricultural programs, students can look forward to the following:

Civic Responsibility Giving back is a primary component of 4-H and FFA, and throughout the year members spend ample time coordinating various fundraising campaigns to benefit their communities.

Good Friends Agricultural organizations give students the opportunity to be actively engaged in projects and events that involve socializing with friends and meeting new people from across the country.

Recognition Participating in youth agricultural organizations means being surrounded

“These programs were designed to be a fun and effective way for students to explore a critically important industry,” said Reiter.

“Aside from learning about responsibility and leadership, members also have the ability to form strong, long-lasting relationships with peers that share similar interests and passions.”

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by a variety of adult role models. Throughout the year, members attend events and meet executives from some of the country’s top corporations, through which many members form connections and receive recognition for their hard work.

Tractor Supply frequently recognizes individuals who have displayed exemplary service and commitment to their community. Last year, the retailer presented dozens of hardworking 4-H and FFA members with commemorative certificates during special ceremonies at state and county fairs.

Rick Seiler

Ricardo D. Seiler

808.874.3100 Rick@HomeInVerrado.com www.HomeInVerrado.com

When it’s time to sell your Verrado home, consider HomeSmart, The #1 Real Estate Brokerage in the Valley.

Call, text or email Rick today!!

808.874.3100

Rick@HomeInVerrado.com www.HomeInVerrado.com Providing Award Winning Service to Home Sellers & Buyers for 30+ years Verrado Resident Since 2010

August 2017

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Yum Yum 3 things to consider when choosing chocolate Few things are better in life than unwrapping and biting into a piece of silky smooth chocolate. With so many options in the candy aisle, it’s important to know not only where your favorite treat originates, but how it impacts the environment and the farmers who grow cocoa.

“Americans are more aware than ever of where the products they consume come from and how they’re made,” says Kerry Cavanaugh, brand director for DOVE Chocolate. “They want to know products have been sustainably produced in a manner that has the least possible impact on the environment and a positive effect on people at the source.”

If chocolate is high on your list of favorite treats, make sure the brand you choose is one that combines pleasure with purpose by asking if it is doing something that will benefit others around the

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world. Here are three things to consider the next time you reach for chocolate at the store: 1. Helping fight poverty. Cocoa is an industry that affects 6.5 million farmers around the world - the majority of cocoa is grown on small farms operated by independent farmers in developing countries in West Africa, Southeast Asia and the Americas. DOVE Chocolate supports initiatives like the CARE Village Savings and Loan Association (VSLA) program, a micro-finance program that allows participants, such as cocoa farmers in developing countries, to support each other with lowinterest loans. The loans help cocoa farmers improve their farming practices, expand their businesses and support their families. DOVE has partnered with CARE to sponsor the VSLA program in Cote d’Ivoire, the world’s top producer of cocoa beans, which has already benefited nearly 3,000 farmers since the program began in 2016.

2. Protecting the environment.

According to the Rainforest Alliance, cocoa can be grown in forest settings, under the

shade of native trees, rather than in deforested fields. Organizations like the Rainforest Alliance help farmers learn and implement sustainable farming and harvesting practices that protect the wildlife and environment in the region as well as improve their livelihoods and the wellbeing of their families and communities.

3. Female empowerment.

Although they contribute to 50 percent of farming activities, women rarely benefit from cocoa-related income. Programs like CARE’s VSLA initiative take on this challenge by providing women with ways to save money and access small loans.

With VSLAs, women in farming communities can increase production on their cocoa farms, recover from natural disasters that threaten their livelihoods and achieve greater equality with male farmers.

To find out more about the chocolate-making process, visit DoveChocolateJourney.com.

August 2017

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August 2017

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August 2017

MONEY MATTERS Can You Save for College and Retirement?

Few of us have unlimited financial resources consequently, you’ll have some decisions to make if you’d like to help pay for your children’s college educations someday while, at the same time, saving for your own retirement.

Your first step in addressing these objectives is to maintain realistic expectations. Consider the issue of paying for college.

Right now, the average four-year cost is about $80,000 for in-state students at public universities and $180,000 for private schools.

And these costs are likely to keep rising in the years ahead.

Instead of committing yourself to putting away this type of money, take a holistic approach to saving for your children’s higher education. After all, you probably won’t be the only one to help pay for college. Depending on your income and assets, your family might be eligible for some needs-based financial aid awarded by the college. Also, you

should encourage your children to apply for as many scholarships as possible — but keep in mind that most scholarships don’t provide a “full ride.” Here’s the bottom line: Don’t assume you will receive so much aid that you don’t need to save for college at all, but don’t burden yourself with the expectation that you need to pick up the full tab for your children’s schooling.

On a practical level, you may want to commit to putting a certain amount per month into a college savings vehicle, such as a 529 plan. You can generally invest in the 529 plan offered by most states, but in some cases, you may be eligible for a state income tax incentive. Also, all withdrawals from 529 plans will be free from federal income taxes, as long as the money is used for a qualified college or graduate school expense of the beneficiary you’ve named.

By starting your 529 plan early, when your children are young, you’ll give the investments within

Investing is about more than money.

the plan more time to grow.

Plus, you can make smaller contributions on a regular basis, rather than come up with big lump sums later on. And by following this approach, you may be in a better financial position for investing in your IRA and your 401(k) or other employersponsored retirement plan.

If you’re investing in a 401(k) or similar employer-backed plan, try to boost your contributions every time your salary increases. At the very least, always put in enough to earn your employer’s matching contribution, if one is offered.

And once your children are through with college, you can discontinue saving in your 529 plan and devote more money to your retirement accounts.

It can certainly be challenging to save for education and retirement – but with discipline and perseverance, it can be done. So, give it the “old college try.”

Submitted by Wayne Polk, of Edward Jones Investments, Verrado resident

VERRADO RESIDENT

At Edward Jones, we stop to ask you the question: “What’s important to you?” Without that insight and a real understanding of your goals, investing holds little meaning.

Contact your Edward Jones financial advisor for a one-on-one appointment to discuss what’s really important: your goals.

K&R DESIGN CONSULTANTS Kim Rasmussen

Wayne Polk, AAMS® Financial Advisor MKD-8652A-A

.

4252 N Verrado Way Suite 202 Buckeye, AZ 85396 623-386-2821

Main Street

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

August 2017

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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!

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August 2017

Business Directory AUTOMOTIVE A Plus Automotive 623.986.1586 Cien Motor Werks 623.322.8333 Desert Princess Carriage Service 602.300.7076 Litchfield Auto Repair 623.882.8700 Velocity Transport 623.295.1912 EDUCATION The Goddard School

623.255.3290

FINANCIAL SERVICES ACEA Accounting Allstate Insurance Edward Jones - W Polk Estrella Partners Group Mahoney Law Office Signature Documents State Farm Insurance -Caler State Farm Insurance-Gremillion

623.251.0821 623.208.6922 623.386.2821 623.594.9283 623.518.3513 623.974.2272 623.327.1685 623.386.7556

HEALTHCARE & BEAUTY Active Life Pain Center Dr. Nemechek Healthy Life Family Medicine Majestic Beauty Spa Skincare Extraordinaire

623.535.9777 623.208.4226 623.889.3477 623.986.5790 623.826.3726

HOUSEHOLD 5 Dog Electric AC Squad Al’s Plumbing Century Glass and Mirror Deb’s Creative Interiors Desired Handyman Estrella Mountain Pest Control

623.313.5685 623.512.1128 623.329.5170 623.444.6204 623.594.6415 623.910.5183 623.680.6619

General Exterminating J & H Appliance Repair LJ Designs Studio K & R Design Consultants Lifetime Moving & Storage The Window Cleaner AZ Younger Brothers Exterminating

623.977.2100 623.925.5427 623.332.1060 623.399.3491 602.344.9988 623.738.6064 623.487.3147

LANDSCAPING / POOL CARE Buckeye Desert Landscape 602.527.2818 Desert Rose Concrete 623.853.9051 Estrella Owner Services landscapes 623.693.5695 REAL ESTATE HomeSmart Realty - R Seiler Main Street Lofts Verrado Realty West Valley Homewatch

808.874.3100 623.215.4788 623.792.5900 623.594.9283

RECREATION Eleutheria Wellness Center

623.986.5110

RELIGION The Edge Church AZ

480.442.7323

RETAIL Budget Blinds of Goodyear Estrella Ordnance Foot Solutions Pure Patio Steel Shield Security Doors

480.629.8854 623.262.2154 623.536.6676 623.299.8000 623.977.3277

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August 2017

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Your Hometown Real Estate Experts, Located on the corner of Verrado Way and Main Street in the Heart of Verrado.

RICHMOND AMERICAN – $265,900 21280 W Coronado Rd – Sienna Hills 2,258 sq. ft. • 4 beds • 2.5 baths Listed by: Chuck Disney

FRANK RESIDENTIAL – $279,000 21136 West Main Street – Verrado 1,735 Sq. Ft. • 3 Beds • 2.5 Baths Listed by: Pat Redfield and Holly McGinty

CACHET – VERRADO – $350,000 3466 N Hooper St – Verrado 2,590 sq. ft. • 3 beds • 2.75 baths Listed by: Pat Redfield and Holly McGinty

ENGLE – $394,500 20371 West Thayer Street – Verrado 3,538 Sq. Ft. • 4 Beds • 2.5 Baths Listed by: Chuck Disney

TW LEWIS – $545,000 3811 North Park Street – Verrado 3,194 Sq. Ft. • 4 Beds • 3.5 Baths Listed by: Tim Klimek

MERITAGE – $559,900 20742 West Western Drive – Verrado 3,457 Sq. Ft. • 4 Beds • 2.5 Baths Listed by: Tim Klimek

Your neighborhood experts focusing on New Homes, Resale Properties, Custom Homes and Homesites.

Dedicated to providing exceptional real estate services in this extraordinary community.

Tim Klimek

Pat Redfield

Aaron Lighter

Diane Simpson

Pam Disney

Jennifer Cline Designated Broker

Brennen Kent

Bette Popiel

Tessie Davis

Holly McGinty

Chuck Disney

Kim Frederick

24 Main Street

GREEN STREET

VERRADO WAY

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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

MAIN STREET

August 2017