SEPTEMBER 2019
Main Street A magazine for the residents of Verrado
From your neighbors, for your neighbors Estrella Publishing - Main Street magazine
ÂŽ
September 2019
1
Superior Service & Results $100 Million In Sales
Verrado/Victory Resident Realtors • White Glove Service • Global Exposure at EVERY price point • Innovative Marketing and Print Advertising • Complimentary Staging Consultation • Assistance in preparing your home for market including repairs by preferred vendors • Home Watch Service Available 4742 N 210TH Ave.
MLS 5850370
$879,000
Sold in 1 Day! 4681 N. 204TH Ave. MLS 5950644
20641 W. Minnezona MLS 5853035
20586 W. Garden St. MLS 5950644
21041 W. Cora Vista MLS 5888787
5225 N. 206TH Dr. New Build
22926 W. Arrow Dr. MLS 5862887
www.lifestylesatverrado.com Cynthia Adair 2480-212-6259 Estrella Publishing - Main Street magazine CynthiaAdair.com
26378 W. Tonopah Dr. MLS 5900188
Marissa Rawson 623-696-9329
September 2019
Majestic Beauty Spa Jamie Farnham, RN Botox | Dermal Fillers | Laser
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Fountain Granite Kitchen * Bathroom * Custom Countertops * BBQs * Showers * Jacuzzi * Fireplaces * Custom Tables & many more! With over 15 years experience working with stone, we oer the best in quality, price & customer satisfaction! Call for FREE estimates 623-755-3905 or 623-326-0427 www.FountainGranite.com erickniveth@gmail.com Find us on Facebook @ Fountain granite
Published by Estrella Publishing LLC, PO Box 6962, Goodyear AZ 85338. Additional copies and article reproductions can be obtained for a fee by contacting info@EstrellaPublishing.com Catherine Uretsky, Publisher and Editor 623.594.9283 info@EstrellaPublishing.com Al Uretsky, Publisher and Sales Executive 623.594.9283 info@EstrellaPublishing.com All contents Š 2010-present day Estrella Publishing LLC. All Rights Reserved. Reproduction in any form, in whole or part, without written permission from Estrella Publishing LLC is prohibited. Estrella Publishing accepts freelance contributions, there is no guarantee that materials will be used or returned. Some content is provided by Brandpointe and Family Features. Estrella Publishing is not responsible for the views of contributing writers and assumes no responsibility for errors appearing within. Opinions expressed are those of the writers and not necessarily those of the Publisher or Advertisers. Estrella Publishing reserves the right to restrict all advertisement to their proper classification and to edit or reject any copy at its sole discretion. Neither this publication nor Estrella Publishing is an agent of or in any way affiliated with the associated Developer nor Homeowners Association, or any of their respective affiliates. This publication has not been approved by, sponsored by, or endorsed by the associated Developer nor Homeowners Association in any way.
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9/30/19
September 2019
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4 Estrella Publishing - Main Street magazine
September 2019
From Me To You... I am no longer allowed to throw balls in the house. Apparently my family is tired of dodging random missiles, picking up broken items and occasionally getting winged themselves. In fact as soon as I reach for a dog toy people duck for cover. I find it a little insulting to be honest. My aim is not that bad, most of the damage is caused by rebounds and people walking into the line of fire. That is the line I am going with anyway.
It is amazing how many things I aim for in life and get a near miss, but it is not about the ones you miss. As I try to instill in my children, you learn more from failing than success. Sure success is more fun, but failing builds resilience, tenacity and drive. Learning that lesson young is preferable as it can be a hard lesson to learn as an adult. One of our children is good at math. I mean he just gets it. When I hear a problem that starts with “A train leaves the station at 10am...” my head starts to throb and the world fades to black. He always knows the answer, always did.
Then he went to high school and hit a wall. He stopped loving math and took a couple of years to come back to it. But he did, and pretty spectacularly at that, completing his college math before even starting his finance degree. He fell, figured out that if you fail at something you learn, pick yourself up and do it differently next time - and he learned it when he was young. That is a skill which makes him able to roll with the punches in his adult life. Many people never learn that lesson, repeating their mistakes over and over again. “The definition of insanity is doing the same thing over and over and expecting different results.” ~ Albert Einstein We see it all the time, in parenting, business, even politics, (don’t worry I am not going there...) and it rarely pays off for anyone. We all see the pizza joint that goes out of business only to be replaced by yet another pizza joint. There has to be a reason it is not successful in that location! As for my pitching skills, I am not giving up just yet. Practice makes perfect is another phrase I am hanging on to - perhaps I should just take it outside for a while.
Catherine Uretsky Editor, Main Street magazine info@estrellapublishing.com 623-594-928
Estrella Publishing - Main Street magazine
September 2019
5
On Our Cover
Our cover models this month are Laurie and Phil Mendoza, high school sweethearts from El Paso who are now Verrado residents. Phil knew he liked Laurie when he saw her in the lunchroom in her Sophomore year, she resisted him all year and eventually they started to date on the last day of school. Laurie and Phil planned on living together when he went away to college but her grandmother did not approve. In fact she disapproved of them living together so strongly that they decided to get married. Thank goodness for Grandma! Phil started his own construction company and they have both worked together ever since. People are always asking them how they successfully navigate life when they work and live together. But I can see they love being together. When I asked them the worst thing about
working together they said it was deciding who should take the lead. They are both strong personalities and it can be hard to know when to give up the reins to the other one. The best thing for Phil and Laurie is that they always leave their work at work. Once they are home, family is the most important thing. They have three children - Gian, Victoria and Lauren. Both Gian and Victoria graduated from Verrado High School (they moved here in ‘96) and Lauren is a Senior this year. The couple love to travel together but they have very different ideas about a perfect holiday. Phil is an adventurous outdoorsman. He loves to camp, fish, kayak, hike, you name it and he loves to do it. Laurie is more of a social person enjoying movies and dinners with friends, she also enjoys relaxation. So they usually combine the two with a rugged outdoors vacation finishing up with a few days at a spa. When they have time they love to volunteer, high on their list are shelter animals - both of their own pups are rescues. But you will also find them helping Feed My Starving Children, Habitat for Humanity and Kitchen on the Street. If you see them around town be sure to say hello!
6 Estrella Publishing - Main Street magazine
September 2019
Pat Redfield - Sales Associate: 203-912-3995 Pat@RedfieldRealtors.com Holly Nott - Associate Broker: 203-981-5731 Holly@RedfieldRealtors.com
www.RedfieldRealtors.com
ON
21172 W Main Street $320,000 3 bds /2.5 bath 1735 sq. ft.
G SO N I M CO
A rare opportunity to live on Main Street in Verrado! Call us for more information. 21116 W Sycamore Dr. $324,900 MLS #5922749 2,545 sq. ft. 4bd/2.5bath
A spectacular spe location opposite park near Verrado's town center. Open oor plan, plenty of storage, walk in pantry. Brand new appliances. Bonus den/media room.
3109 N Black Rock Rd. $386,500 3,032 sq. ft. 4bd/3baths An entertainer's dream with a wide-open, tall oor plan.
4415 N Sidney St. $489,900 MLS# 5959660 2,578 sq. ft 4bd/2.5bath
This highly upgraded home is perfect for entertaining and easy living. Completely and tastefully designed and decorated.
Estrella Publishing - Main Street magazine
September 2019
7
Home Sweet Home Understanding Real Estate Lingo
When you are buying or selling a home you will run across many new and confusing terms and acronyms. I will address some that are important that you should look out for during your buying and selling process and shed some light to keep you better prepared before you embark on your next real estate venture. Comparative market analysis (CMA): An in-depth analysis, prepared by a real estate agent, that determines the estimated value of a home based on recently sold homes of similar condition, size, features and age that are located in the same area. In real estate we are consistently running CMAs to determine value. While preparing a CMA as a real estate agent we try to mimic the process of an appraiser in order to estimate the appropriate value for your home. Closing costs: Fees associated with the purchase of a home that are due at the end of the sales transaction. Fees may include the appraisal, the home inspection, origination fees, a pest inspection, title and escrow fees and more. Buyers should budget for an amount that is 1% to 3% of the home’s purchase price.
respond Seller Property Disclosure Statement (SPDS):
Pronounced “Spuds” The SPDS is designed to protect YOU, the Seller. It gives you the opportunity to disclose things about your home to potential buyers, so that they can make informed decisions. Sellers are legally obligated to disclose all known material facts about the property to the Buyer. By putting everything is writing and handing it over to potential buyers it can help reduce the number of questions you have to field. The SPDS is an 8 page document and it will ask you about your ownership, building and safety information, utilities, environmental information, sewer or wastewater treatment, and more. Submitted by Brennen Kent, Realtor, Verrado Realty
Freedom
Closing disclosure (CD): A five-page document sent to the buyer three days before closing. This document spells out all the terms of the loan: the amount, the interest rate, the monthly payment, mortgage insurance, the monthly escrow amount and all closing costs. Buyer’s Inspection Notice and Seller’s Response (BINSR): to request and negotiate repairs to the property. The BINSR is an addendum to the Arizona Association of Realtors Residential Purchase Contract that allows, in an organized manner, the Buyer to request repairs and the Seller to 8 Estrella Publishing - Main Street magazine
September 2019
Furry Friends
Join us on October 26 from 9:30am–12:30pm for our 6th annual Paws on Parade event. After a group dog walk down Main Street, we will be hosting a canine costume contest at the Village Green in Verrado. Costumes are encouraged for all! There will be plenty to do for your whole family including games, prizes, vendors, and tasty treats. Are you a local business? If so, please consider sponsoring the Paws on Parade event. There are lots of ways to take part, help out Community Paws, and receive some business exposure from this festive community event. For upcoming details and to RSVP, please visit www. CommunityPaws.org. th
Calling all animal lovers… Our Junior Division starts back up again this month on Tuesday, September 3rd. Please note that our Junior Division meetings are now taking place on the first Tuesday of each month from 4:30–6pm. New members are always welcome to join! Members are typically ten years of age or older, love animals and enjoy being part of an organized group making a difference in our Verrado Community. For more information, please stop
by the Center on Main on Tuesday, September 3rd at 4:30pm or email us at: juniordivision@ communitypaws.org. We also have a variety of other ways in which you and your family can take part in making a positive impact in the lives of rescue animals in our community. Please consider opening your home, and your heart, to foster an animal on a short-term basis. There is no cost to the foster family. Who knows, you may just fall in love with a new furry friend. Celebrate National Hug Your Hound day this September 8th by showering your beloved canines with some extra TLC and belly rubs. Shop local by purchasing your favorite pup his very own refreshing Fro-yo. These tasty organic treats are available at Ebb & Flow Coffee Co. on Main Street in Verrado for a $2 donation to Community Paws. Thank you! Submitted by Kristin Robinson, of Community Paws, Verrado resident
Goodyear Gold Buying Shop. Compare. Come to us Last!
We buy: * All gold and silver jewelry • Sterling Silver Flatware • Tea and Coffee Sets • Candle Sticks, Trays • Indian Jewelry • Gold & Silver Coins • Fine Watches
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If you’re not using it, wearing it, and the kids don’t want it, bring it to the experienced buyer at Goodyear Gold Buying for on the spot cash. No fancy promises or wild claims. We’ll give you the highest price possible for your precious belonging based on current gold and silver prices. Shop and compare and come to us last. You won’t be disappointed, we can promise you that. Estrella Professional Center (Across the street from Walmart and behind Saddle Mountain Brewery) 15655 W. Roosevelt St., Suite 225, Goodyear, AZ 85338 Telephone: (480) 399-4919 Hours: Monday-Friday 10am-5pm Saturday by appointment
Estrella Publishing - Main Street magazine
September 2019
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#VeryVerrado When I was a kid, Labor Day meant the Jerry Lewis Telethon weekend, barbecue and back to school. Now that I’m older, I think of labor or jobs. Look at all the jobs that are coming to the valley.
Quetico LLC, a West Coast logistics services company, has purchased a 39-acre parcel of land in Goodyear on which it intends to open a large industrial facility, including warehousing and office space. The new Goodyear facility is to be built at the northeast corner of 143rd Avenue and Yuma Road. Quetico, based in Chino, California, said it is partnering with Ontario, Californiabased Fullmer Construction to build the 719,520–squarefoot project, with a capital investment of more than $45 million. The facility is expected to open by fall 2020. The company said it would create about 300 new jobs. Arizona Gov. Doug Ducey and Microsoft announced that the tech giant will construct three new “world-class” data center campuses in Arizona. The campuses are planned for sites in El Mirage and Goodyear and will be fully powered by renewable energy sources. The data centers are projected to have an annual economic impact of $20 million once they’re up and running, and Microsoft will be creating 110 new jobs for mechanical engineers, electrical engineers, data center technicians and more. There will also be over 1,000 construction jobs
created to build these three datacenters.
Goodyear will soon be home to two new data centers. Compass Datacenters has chosen to build its campus on 225 acres of land at the northwest corner of Bullard Avenue and Yuma Road, with future phases to include six additional data centers. The Goodyear City Council unanimously approved an agreement at Monday night’s meeting. The first phase, delivering a combined 72 MW of IT load, is projected to be completed by fourth quarter 2019. At full build-out, the eight data centers will be over 1.8 million square feet, equivalent to 31 football fields and capable of 350 MW. In addition, the project will improve power infrastructure which benefits the city in the long term. “Greater Phoenix is rapidly becoming the leading market for data centers in the U.S.” says Chris Camacho, president and CEO of the Greater Phoenix Economic Council. Jobs and growth have a huge effect on housing. Arizona ranked No. 14 in America with median home values increasing by 7.5% over the past year, according to RefiGuide.org, which released a study on The Fastest Rising Home Values In America after analyzing Zillow Research Data from March 2018 to March 2019. Verrado, you are in the right spot! Information from AZBigMedia and Phoenix Business Journal Submitted by Allen Turner, of Fairway Independent Mortgage Corporation
Tiffany Topie
REALTOR®
2920 N. Litchfield Rd. #100 Goodyear, AZ 85395
623.522.5000 Cell: 480.521.9221 tiffanytopie@westusa.com
w w w. t i f f a n y t o p i e h o m e s a z . c o m 10 Estrella Publishing - Main Street magazine
September 2019
Homes For Sale i n
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VERRADO NEIGHBOR
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2920 N. Litchfield Rd. #100 | Goodyear, AZ 85295
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Estrella Publishing - Main Street magazine
CopyrightŠ2018 Fairway Independent Mortgage Corporation. NMLS#2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-877-699-0353. Other restrictions and limitations may apply. All rights reserved. AZ License #BK-0904162.
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HomeScoutŽ is a free home finding service provided directly to you by HBM2, a licensed real estate brokerage. Copyright Š 2018 Fairway Independent Mortgage Corporation. NMLS#2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. All rights reserved. Other restrictions and limitations may apply. Equal Housing Lender. Fairway AZ License #BK-0904162 & Arizona License Number 0915080.
Buckeye Police Department Presents
Guardian Academy Applications now being accepted for fall 2019 Academy
Tuesdays 6 PM - 8:30 PM September 10, 17, 24 and October 1. Providing parents and those who have care, custody and GUARDIANship of a child, with knowledge and resources regarding potentially risky situations life exposes our children to on a daily basis.
Guardian Academy What is the purpose of Guardian Academy? To provide education, information and resources that promote healthy relationships and communication within families.
Who should attend? Any responsible person who cares for a child. Parents, teachers, counselors, daycare workers, grandparents, caregivers, etc.
How long is the Academy?
One night a week for four (4) weeks, 6 PM - 8:30 PM.
What is the cost?
The only cost is your time and commitment to our children.
Topics of Discussion Social Trends Social Media Internet Safety Bullying & Cyber-Bullying Current Drug Trends Teen Brain Development Healthy Relationships Mental & Behavioral Health Suicide Awareness & Prevention Building Child Resiliency Resources
http://www.buckeyeaz.gov/residents/police/guardian-academy guardianacademy@buckeyeaz.gov 21699 W. Yuma Rd., Suite 104, Buckeye, Arizona 85326 Emergency: 911 Non-Emergency 623.349.6413 Tip line: 623.349.6411 www.buckeyeaz.gov/police
12 Estrella Publishing - Main Street magazine
September 2019
The Bug Guy
but they can create sub-colonies or satellite nests to house the growing population of termites. They can also eat away at your home so silently that you won’t know they are there until noticeable damage occurs. The only early signs The weather in September can be unpredictable of an infestation may be mud tubes or “frass” in the west valley, but at the very least, we can which is the sawdust and feces termites push expect a slight drop in the temperature and in out of exit holes in the wood they are devouring. humidity levels. This change in weather will cause The next thing you know, if nothing is done to the termite activity to increase, but termites eradicate the infestation, there will be bulging will continue to be a problem, especially if an walls, sunken floors, and sagging ceilings, which unseasonably warm spell occurs. The warmth are the result of a serious and costly infestation will cause the termites to become slightly of termites. confused and send out swarmers again or cause the nest to split or “bud”, which will cause a You can never really be “safe” from a termite colony to disperse itself throughout other nearby infestation in the west valley, or from the damage properties. they cause. Therefore it is so important to enlist the help of an experienced termite professional Termite colonies can host hundreds of thousands to help protect the wood in your home. The best of members that all need to be fed, and their solution for all your termite worries is a complete main source of food is cellulose, found in treatment performed by a licensed professional wood. And, the more food they have, the more breeding they will do, which will increase the Submitted by Larry Cash, termite population exponentially. Not only that, of Estrella Mountain Pest Control
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Estrella Publishing - Main Street magazine
• 2 Trees - 24” box or 3 Palms 15-20 gal • 10 Plants - Choose from Hibiscus, Mexican Bird of Paradise, Carolina Jasmine, Orange Jubilee, Tangerine Vine, Purple Sage, or Silver Cloud Sage • 6 Ground Cover - Choose from Lantana, Ruellia, Wedelia, Bush Morning Glory, or Gazanias • 10 Tons Landscape Granite (standard colors) • Irrigation - 1 Timer, 2 Valves, Up to 200ln ft of 1/2” line, Spaghetti and Emitters, 1 Line for Trees & 1 Line for Plants • LED Landscape Lights - 4 Spots, 3 Paths, 200 Watt Transformer + Lines & Bulbs
September 2019
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Full Service Family & Cosmetic Dentistry C Matthew Kennedy, D.D.S. c Porcelain Veneers/Cosmetic Bonding Implants Placed by Periodontist Root Canals Performed by Endodontist Extractions by an Oral Surgeon Certified Invisalign™ Office VELscope® Vx Oral Cancer Screening Movies Shown During Treatment Convenient Appointments Flexible Financing Kid-Friendly Office Ortho provided by Olson Orthodontics
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14 Estrella Publishing - Main Street magazine
September 2019
Grandparents Day National Grandparents Day falls on the first Sunday after Labor Day every year. Grandparents all over the country help care for their grandchildren, and we love to recognize them for the support they provide to their families. Celebrate National Grandparents Day with some creative activities and gifts. • Help your children write a note or draw a picture for their grandparents, and maybe include a photo of them with their grandparents. • Help your little one craft a one-of-a-kind piece of art for their grandparents. • Bake something special for your children’s grandparents with your little chef. • Schedule some one-on-one time for your little ones to bond with their grandparents. Reading is another excellent way to share stories and bond. Here are some special books to share with your children’s grandparents:
®
• • • •
• Your Mommy Was Just Like Youwritten by Kelly Bennett and illustrated by David Walker • You’re Lovable to Me written by Kat Yeh and illustrated by Sue Anderson One Loveadapted by Cedella Marley and illustrated by Vanessa Brantley-Newton You’re Going to Be a Grandma!written by Deborah Zupancic and illustrated by Joel Grothaus Here Comes Grandma!by Janet Lord The Hello, Goodbye Windowby Norton Juster and Chris Raschka
While we may show our appreciation for grandparents every day, National Grandparents Day gives us a special opportunity to show them extra love and attention and teach our children about the importance of respecting their elders. Create your own annual traditions and have fun with it as your children grow! Submitted by Nicole Bigham, of The Goddard School
®
The Goddard School uses its play-based F.L.EX. Learning Program (Fun Learning Experience) to introduce STEAM concepts (science, technology, engineering, arts and mathematics) to help children develop a strong foundation for their future education and a passion for STEAM learning. Enroll today!
POWERED BY STEAM. FUELED BY FUN. CALL TODAY! BUCKEYE (VERRADO�) • 623-255-3290 4320 N. School Hill Road GoddardSchool.com The Goddard Schools are operated by independent franchisees under a license agreement with Goddard Systems, Inc. Programs and ages may vary. © Goddard Systems, Inc. 2019
License #CDC-14808
Estrella Publishing - Main Street magazine
September 2019
15
Opioid Crisis
Physical pain has a tremendous impact on the lives of millions of Americans, many of whom have been prescribed opioids to relieve their suffering. However, we now know these pain relievers are highly addictive; so much so that we now find ourselves in an “opioid crisis.” Reducing youth access to these prescription medications is important because 60% of teens who report abuse of prescription medicine are getting it from home or friends. Here are some facts and things you can do to make sure you and your family are protected. Facts: Rx painkillers and heroin are both opioids Painkiller addiction often starts by misusing or sharing a legitimate prescription following an injury, surgery or dental procedure Anyone using Rx painkillers over an extended period of time (two or three months) will become addicted even when using a low dosage 80% of heroin users started with prescription drugs Opioid overdoses increased 74% between 2012-2016
make sure you can honestly answer yes. If you find you need to refill your medicine more often than expected that could indicate a problem. If your teen has been prescribed a medicine, be sure you control the medicine, and monitor dosages and refills. Be especially vigilant with medicines that are known to be addictive and commonly abused by teens, such as opioids, benzodiazepines and stimulants. Secure All Meds = Lock Them Up If you’ve got kids or grandkids, treat Rx medications just like you treated the cabinet under the sink when you had toddlers. Lock them up. Take prescription medicine out of the medicine cabinet and secure them in a place only you know about. Dispose of Properly Safely disposing of expired or unused medicine is a critical step in helping to protect your teens, your family and home, and decrease the opportunity for your teens or their friends to abuse your medicine. Find disposal locations and hours in Buckeye visit: http://www.wowcoalition.org/resources Author Larry Tracey, is Executive Director, Youth4Youth and Program Director, WOW Coalition http://www.wowcoalition.org (623) 208-3230 or email: larry.tracey@wowcoalition.org.
What You Can Do Monitor Meds & Don’t Share How aware are you of the quantities of medications that are currently in your home? Think about this: Would you know if some of your pills were missing? From this day forward,
16 Estrella Publishing - Main Street magazine
September 2019
Call RICK REBELEZ (602) 692-0862
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The market has never been this hot. I can help you sell quickly, and for a great price. Put my expertise to work and start effectively marketing your home.
annekingrealtor.com
P: 480-363-6301 | E: anne@annekingrealtor.com 2920 N. Litchfield Rd. #100 • Goodyear, AZ 85395 follow me @annekingrealtor
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Sold Homes in 14 days
Donates a portion of commission to charity
Professional Photography
VP Board of Directors for Assistance In Healthcare/Non-Profit at CTCA
(websites, virtual tours, staging, high end brochures)
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September 2019
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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!
(623) 439-2525 Monday - Friday 9am-5pm & by appointment 4252 N Verrado Way, Ste B201 www.GanyoInsurance.com Welcome@GanyoInsurance.com
Greg Ganyo, Verrado Resident
Auto Insurance • Home Insurance • Business Insurance • Life Insurance
Ganyo Insurance Agency We are Local We are Family Owned We are Independent Our Priority is YOU Doing it Right since 1984
If you haven’t reviewed your insurance in the last 3 years you are long overdue! Take advantage of our summer special and save big money on your insurance with one of our 30 companies. We will give you a FREE auto windshield shade just for giving us the opportunity to help you. 18 Estrella Publishing - Main Street magazine
September 2019
Money Matters
• You can move the money to your new employer’s 401(k). You can consolidate your old 401(k) with one offered by your new employer, if allowed. You won’t take a tax hit, and you might If you’re in the early stages of your working life like your new plan’s investment options. – or even in the not-so-early ones – the chances And you may find it easier to manage your are pretty good that you will change jobs at funds if they’re all held in one place. some point. When that happens, you’ll probably • You can roll your 401(k) into an IRA. You don’t leave a few things behind – but will one of them need the permission from any employer be your 401(k)? Of course, you wouldn’t really – old or new – to move your old 401(k) to forget about your 401(k) but you will have to do an IRA. Your money will continue to grow something with your account. on a tax-deferred basis, and an IRA offers you a virtually unlimited array of investment Essentially, you have four choices: option. You can make either a direct or • You can cash out your 401(k). It’s your money, indirect rollover. With a direct rollover, the but if you take it out before you reach 59 ½, administrator of your old 401(k) sends your you will owe federal income taxes, plus any money directly to the financial provider that applicable state and local taxes. Also, you holds your rollover IRA. No tax is withheld will likely be charged a 10% penalty for early because you never actually take possession withdrawal. of the money. With an indirect rollover, you’re • You can leave your 401(k) with your old technically withdrawing the money and employer. If your former employer permits it, moving it to the IRA provider yourself. (You’ve you can leave your 401(k) intact, even after got 60 days to make this transfer.) You will you move to a different job. This might be face a withholding of 20% of your account’s appealing to you if you like the investment assets, but you may be able to recover most choices in your account, but you won’t be of this amount when you file your tax return. able to make any new contributions. Plus, you Still, for the sake of ease of movement and won’t face any immediate tax consequences. avoidance of all tax issues, a direct rollover may be more advantageous. Which of these options is right for you? There’s no one “right” Straight talk answer for everyone. You’ll have from someone to consider several factors, and who knows you you’ll certainly want to consult Sound financial advice your tax professional before means only making making any decision. But in any recommendations that case, do whatever you can to line up with your goals and risk tolerance. preserve – and hopefully grow – your 401(k) assets. You’ll need Thoughtful guidance: It’s how we make sense these resources to help fund the of investing. retirement lifestyle you want and deserve. Wayne Polk, AAMS® www.edwardjones.com Financial Advisor Member SIPC Submitted by Wayne Polk, of 4252 N Verrado Way Suite 202 Edward Jones Investments, Buckeye, AZ 85396 Verrado resident 623-386-2821
MKT-9650-A
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Estrella Publishing - Main Street magazine
September 2019
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PLANS TO MEET YOUR EVER CHANGING NEEDS
■ Automobile insurance ■ Home insurance ■ Call to see if you can save
PAUL LORENZ Your Local Agent 15655 W Roosevelt St, Suite 237, Goodyear, AZ 85338 plorenz@farmersagent.com agents.farmers.com/plorenz
Call 623.925.9411 today! Get smart about your coverage. Restrictions apply. Discounts may vary. Not available in all states. See your agent for details. Insurance is underwritten by Farmers Insurance Exchange and other affiliated insurance companies. Visit farmers.com for a complete listing of companies. Not all insurers are authorized to provide insurance in all states. Coverage is not available in all states.
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.
*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
20 Estrella Publishing - Main Street magazine
September 2019
Puzzles & Games 2 Sudokus for September - Medium & Easy
Numbers from 1-9 must appear only once in each row, column and box. Good Luck! Solutions are on our website www.EstrellaPublishing.com
Medium
7
3
Easy
5
9
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4 3 4
9
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7 Secure Your Spot
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Opening Fall 2019 in Goodyear
GRADES K-5
14900 W. Van Buren St. Goodyear, AZ 85338 (623) 208-4629
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Estrella Publishing - Main Street magazine
ACADEMY DE P EN
September 2019
-K RE
NOW ENROLLING
AP R
A Tuition-Free Public Charter School
21
Business Directory
ADVERTISING Main Street magazine
623-594-9283
AUTOMOTIVE Daniel’s Total Car Care Litchfield Auto Repair
623.873.0949 623.882.8700
EDUCATION Somerset Academy The Goddard School
623.208.4629 623.255.3290
FINANCIAL SERVICES/ INSURANCE Canopy Mortgage Edward Jones - W Polk Fairway Mortgage - A Turner Farm Bureau Financial Services Farmer’s Insurance-P Lorenz Ganyo Agency Health Markets - V LaRocca Johnson Wealth Management Mahoney Law Office Prudential Advisors-T Halberg State Farm Insurance -J Caler State Farm Insurance-T Gremillion
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HEALTHCARE & BEAUTY Empower Physical Therapy Freedom Audiology Healthy Life Family Medicine Main Street Dental Majestic Beauty Spa Permanent Make Up by Kari Skincare Extraordinaire & Salon
623.401.0550 623.696.5817 623.889.3477 623.594.8100 623.986.5790 602.295.7373 623.826.3726
HOUSEHOLD Al’s Plumbing Arizona’s Precision Painting Century Glass and Mirror Deb’s Creative Interiors Desired Handyman Estrella Mountain Pest Control Fountain Granite J & H Appliance Repair
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22 Estrella Publishing - Main Street magazine
SW Carpet & Air Duct Cleaning Sunsational Floor Care The Window Cleaner AZ Younger Brothers Exterminating Younger Brothers Plumbing
623.363.3536 602.692.0862 623.738.6064 623.487.3147 623.487.3130
LANDSCAPING / POOL CARE Buckeye Desert Landscape Estrella Owner Services Landscapes
602.527.2818 623.693.5695
PET CARE Gentle Hearts Animal Hospital See Spot Clean
623.298.4200 623.882.9595
REAL ESTATE Adair Fine Homes Group Disney Premier Properties Main Street Property Mgmt - K Pellerin Verrado Realty Verrado Realty - Redfield Realtors WestUSA Realty - A King WestUSA Realty - T Topie
480.212.6259 602.617.9516 602.672.7182 623.792.5900 623.792.5900 480.363.6301 623.522.5000
RECREATION The Wellness Center
623.986.5110
RESTAURANTS & RETAIL Estrella Ordnance Goodyear Gold Buying Haymaker Restaurant Healthy & Confident Nutrition Pure Patio
623.262.2154 480.399.4919 623.536.9000 630.863.5555 623.299.8000
Dorothy Lockard 311 N Miller Rd | Buckeye (623) 935-6209 Dorothy.Lockard@fbfs.com www.dorothylockard.com
Auto | Home | Life | Annuities | Business | Farm & Ranch Farm Bureau Property & Casualty Insurance Company,* Western Agricultural Insurance Company,* Farm Bureau Life Insurance Company*/West Des Moines, IA. *Company providers of Farm Bureau Financial Services M191 (4-19)
September 2019
Introducing Cottages at Verrado, by Porchlight Homes FOR MORE INFORMATION CALL: 623-810-7797 A CRAFT NEIGHBORHOOD IN THE HEART OF VERRADO
$5,000
Incentive towards closing costs - when using our preferred lender
The perfect home for the moments that matter most can be found at the Cottages at Verrado, by Porchlight Homes. Here, you’ll enjoy quaint architecture and four distinct oor plans thoughtfully designed for your lifestyle – along with craft details perfectly complemented by comfort and affordability. Cottages at Verrado is located in the Main Street district with shops and restaurants just steps beyond your front door. Prices start in the high $200s
Available Homes SOLD!
VICTORY GOLF COURSE HOME 20580 W Colter - $899,000 On possibly the best lot in Victory, this tastefully appointed Serendipity 3 bedroom, 3.5 bath home showcases stunning views of the golf course, mountains AND city lights. Designed with neutral colors, the home is nearly new, has tons of storage, a den, command center, st and 3-car garage. Open concept great for entertaining. Each of the 3 bdrms has its own bathroom and walk-in closet. Spacious backyard allows you to keep cool in the pool, and relax in the hot tub.
VERRADO EAST 19846 W Glenrosa Ave -- $389,000 This BRAND NEW, never lived-in Lantana plan is an open & airy 2,586 SF home with 4-beds/3 baths, spacious great room, kitchen w/huge island, stainless steel appliances, 5-burner gas range & microwave. Outdoors has extended covered patio, with 20 ft. wide multi-slide doors and mountain mou views. The owner's suite features dual walk-in closets, split vanities, and a luxe, enlarged tile shower. Teen room is located between bedrooms 2&3, and a private 4th bedroom is perfect for guests or office. HUGE 3-Car garage.
CHUCK DISNEY PAM DISNEY RIGG Estrella Publishing - Main Street ALAN magazine 602.617.9516 480.363.4085 480.250.2286
PASQUALETTI MOUNTAIN RANCH 20216 W Whitton Ave - $899,000 MOUNTAIN & CITY VIEWS Immaculate, custom showpiece home with stunning views. 3 bedroom, 4.5 bath home shows like new - dream kitchen with 2 islands, b-fast bar and ample storage. Master suite includes his/hers closets, wet bar w/fridge & sitting room w//replace. Resort-style backyard, complete with play pool & bac waterfall, sport court & putting green. Beautiful Travertine, new carpet, split bedrooms with separate entrance, central vac, 3-car garage with storage and north/south facing 1 acre lot
SCOTT THONE 602.581.7653
VICTORY GOLF COURSE HOME 20742 W Hillcrest - $427,500 GOLF COURSE HOME at VICTORY with FAIRWAY, MOUNTAIN, & CITY VIEWS! This home has all the right upgrades: Craftsman exterior, cabinets, granite counters, stainless steel appliances, plantation shutters, ceiling fans, large baseboards, replace and speakers on rear patio, custom closet system in p master bedroom, and much more. Enjoy the fun active 55+ lifestyle at Victory at Verrado 4 pools, 7,000 square feet of tness, art classes, pickleball, and more!
ELIZABETH RONDA September 2019 23 CHIONCHIO EVERETT 623.469.7468 623.277.0854
Your Hometown Real Estate Experts
21116 W. Sycamore Drive – Verrado 2,545 SF – 3 Bed – 2.5 Bath $324,900 Listed by: Pat Redfield and Holly Nott
21135 W. Glenn Street – Verrado 2,098 SF – 3 Bed – 2.5 Baths $349,900 Listed by: Tim Klimek
3109 N. Black Road – Verrado 3,032 SF – 4 Bed – 2.5 Bath $386,500 Listed by: Pat Redfield and Holly Nott
19221 W. Oregon Avenue – Litchfield Park 2,830 SF – 5 Bed – 2.5 Bath $399,900 Listed by: Tim Klimek
4415 N. Sidney Street – Verrado 2,578 SF – 4 Bed – 3 Bath $489,900 Listed by: Pat Redfield and Holly Nott
20991 W. Canyon Drive – Verrado 5,315 SF – 4 Bed – 3.5 Bath $1,399,900 Listed by: Tim Klimek
Home inventory in Verrado is low. Now is the time to sell your home with the team with proven results; Verrado Realty, your neighborhood experts.
Tim Klimek
Pat Redfield
Aaron Lighter
Diane Simpson
Jennifer Cline Designated Broker
Brennen Kent
Bette Popiel
Tessie Davis
Holly Nott
Joe Russ
GREEN STREET
24 Estrella Publishing - Main Street magazine
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Located in the center of Verrado on the corner of Verrado Way and Main Street 623.792.5900 | VerradoRealty.com 4236 N. Verrado Way, Suite 102 Buckeye, AZ 85396
MAIN STREET
September 2019
Information herein deemed reliable but not guaranteed and should be verified. If your property is currently listed, this is not meant as a solicitation. Prices subject to change. © Verrado Realty, LLC.