Mountain View
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From Me To You... Welcome! to the March edition of Mountain View magazine.
Most people know that this year is the Year of the Dog, well in my house it is the Year of the Weddings. My eldest 2 children are both getting married in 2018 and the pressure is beginning to build. Thankfully I am only organizing one of them as my son and his fiancee have decided that they will be doing everything (including paying for it!) by themselves. I am not so lucky with my daughter. This is a wedding that I get to plan and pay for. Don’t get me wrong, there is plenty of joy in the event. I get to see friends and family who would otherwise wait for me to visit them. Luckily we have a pool, and the wedding is in the summer, so that takes care of the entertainment. I am looking forward to summer evenings by the pool with a glass of wine and pleasant company. I am also looking forward to seeing people from many parts of my life mingle, to get to know each other, and hopefully have a great time. I am sure it will be somewhat frantic as we get close to the date but that is where I have played my Ace. I hired a wedding planner. She knows who to call, who will be there when they are supposed to be, and how to take all my worries away. If I start to panic about when to send the invites for the guests from overseas - Danielle has the answer. If I don’t know who is the best DJ - Danielle has the answer. If I don’t know how much food I need to order - Danielle is there for me too.
She is so helpful I am thinking of keeping her after the wedding. Don’t know where I should go on vacation? “Danielle!” Need help finding a plumber? “Danielle!” Hard to get reservations for a restaurant on a Saturday night? You guessed it. “Danielle!” But back to the wedding... Along with seeing my loved ones I also get to invite plenty of people on the other side of the aisle, who I will most likely not speak more than a couple of words to. That seems unfair to me. If I had the nerve I would put out a collection plate. Perhaps a tip jar of sorts. There was a parent I read about who sent a bill to people who RSVP’d yes to her son’s party then didn’t show up. Part of me, deep down, admires the Chutzpah of the woman. Because you know there will be people who say they are coming but won’t be there. Danielle assures me that it will all balance out because there are also people who will attend that were not invited, or changed their mind on the day. See? The woman is a gem! I must admit, most of the planning is fun. As many of you may understand, my wedding was not my wedding. What do I mean? Well although I was the one in the big white dress standing at the altar, I chose the dress my Mum preferred, the location my Mother-in-law favored and the band my soon to be husband wanted. Now it is my turn. I am steering the bridal couple towards choices I want. They pick the songs, but I chose the DJ. Their choice of food, my caterer. I did put my foot down with the dress. She got what she wanted, even though she tried to pick the dress she thought I liked best... Most of the planning is done at this point and all I have to do is relax and enjoy the big day, once I decide what I am going to wear. “Danielle!”
Catherine Uretsky Editor, Mountain View Magazine info@estrellapublishing.com 623.594.9283
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Catherine Uretsky Publisher & Editor
Al Uretsky Publisher & Sales Exec
Published by Estrella Publishing LLC, PO Box 6962, Goodyear AZ 85338. Additional copies and article reproductions can be obtained for a fee by contacting info@EstrellaPublishing.com
Catherine Uretsky, Publisher and Editor 623.594.9283 info@EstrellaPublishing.com Al Uretsky, Publisher and Sales Executive 623.594.9283 info@EstrellaPublishing.com All contents Š 2010-present day Estrella Publishing LLC. All Rights Reserved. Reproduction in any form, in whole or part, without written permission from Estrella Publishing LLC is prohibited. Estrella Publishing accepts freelance contributions, there is no guarantee that materials will be used or returned. Estrella Publishing is not responsible for the views of contributing writers and assumes no responsibility for errors appearing within. Opinions expressed are those of the writers and not necessarily those of the Publisher or Advertisers. Estrella Publishing reserves the right to restrict all advertisement to their proper classification and to edit or reject any copy at its sole discretion. Neither this publication nor Estrella Publishing is an agent of or in any way affiliated with the associated Developer nor Homeowners Association, or any of their respective affiliates. This publication has not been approved by, sponsored by, or endorsed by the associated Developer nor Homeowners Association in any way.
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Mountain View
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Peace On Earth Mountaintop experiences have great power. We treasure them and long for them to occur again. But, what do we do with the experience? When Peter, James, and John went up on the mountain with Jesus, the last thing they expected was to see him transfigured and his clothes become dazzling white. As if that weren’t enough, they heard God speak from a cloud saying, “This is my Son, whom I love. Listen to him!” (Read Mark 9:29) Jesus was armed and endorsed by God! Imagine witnessing such an amazing event! It would be both frightening and wondrous. I believe I would want the moment to last. I’d want to hold onto it. Peter did. He said it was good for them to be there and suggested they build shelters. The problem was, that wasn’t the purpose of the moment. Jesus didn’t come to stay on the mountain. He had a mission to bring wholeness and salvation to the people. Fulfilling the call meant leaving the mountain. We aren’t meant to cling to our special moments. Imagine if we tried to stay in the wedding chapel forever or on the honeymoon? We’d miss out on shared life together and having a family. We’d miss out on opportunities to encourage and support one another and to stretch into new beginnings. The purpose of the moment was for living life together.
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Think about your children at the age you treasured most. It was a special time, but it wasn’t meant to last forever. We really don’t want to prevent them from growing up and developing all their God given gifts. We enjoy watching them become men and women. Think about those moments of youth when you felt the whole world was there for you and nothing could stop you from reaching your loftiest goals. Yes, it had its appeal. But, what would you have missed if you’d been frozen in that moment? You would not have experienced the challenges and successes, the struggles and triumphs. And you might not have found the path that brings you joy. How about those amazing mountaintop spiritual retreats? Who wants to go home from those? Yet the refreshing and refuelling and renewing we experience isn’t meant to drain away into nothing. It is for sharing, for pouring out on others, for bringing encouragement and comfort to others. Our mountaintop moments have true meaning when we come down and act on the purpose. Share your gifts. Spread the love, the passion, the great comfort, the joy and encouragement with all. Easter is a great mountaintop experience. Join in celebrating our risen Lord and share His grace! Submitted by Valerie Fairchild, pastor of Spirit Song church in Vistancia
March 2018
On Our Cover The Artisan Studio at Trilogy’s Mita Club is in full gear and being used by a diverse group of Trilogy members including those on our cover perfecting their sketch - three of Trilogy’s “Davids”. Monday from 11 – 4 is primarily Open Studio in the Artisan Studio – all Trilogy members are welcome. Everyone is invited to bring their creative project to work on alongside others doing the same. The rest of the week, the studio is booked with classes, workshops and clubs working on what interests their members. Between the Lifestyle Team, Paper Arts Club, Quilter’s Club and the Trilogy Art League there is a robust schedule of activities and Trilogy members are loving it. There are classes and workshops that are given routinely by Trilogy artists/instructors/residents. They are the backbone of what the Art League has been able to offer – professional level classes right here at home taught by very qualified instructors. And there are other classes and workshops scheduled on a special one-time basis from visiting artists/ instructors.
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As one example, the Art League is sponsoring Joe Mac Kechnie, a world class artist from Seattle, who is providing a free demo on March 19th and will be teaching two workshops March 23 & 24 and April 13 & 14 for Trilogy members and their guests. To find out more about Joe and all the classes and workshops scheduled by the Trilogy Art League, click www.trilogyartleague.weebly. com or email trilogyartleague@gmail.com. All of these activities are helping Trilogy artists improve and/or learn new skills which is reflected in their work. For those that may be new to our growing community, the Trilogy Art League sponsors two art shows each year at the Kiva Club. The next one is coming up on Sunday March 18th from 9:00 to 3:00 at the Kiva Club. There you will find artists and artisans of many kinds, whose work will be on display and for sale. Join us for this special event! Submitted by the Trilogy Art League
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Living With Faith Mercy and humility A man brings some very fine material to a tailor and asks him to make a pair of pants. When he comes back a week later, the pants are not ready. Two weeks later, they are still not ready. Finally, after six weeks, the pants are ready. The man tries them on. They fit perfectly. Nonetheless, when it comes time to pay, he can’t resist a jibe at the tailor. “You know,” he says, “it took God only six days to make the world. And it took you six weeks to make just one pair of pants.” “Ah,” the tailor says. “But look at this pair of pants, and look at the world!” Sometimes when we look at the world around us we seem to despair. There is so much bloodshed, so much famine, so much hopelessness, and there is so much bigotry. We were created to be together in both action and deed. And this closeness often leads to contempt. But then we realize that with just a few kind words or simple gestures we can enhance our lives and those around us. In fact, if we really wanted to get along with others we would not be so judgmental or critical. And yet, there are those who would suggest that our belief systems are different and therefore not worthy of connection. And still others who would submit that salvation is relegated to just a few.
We can, and should take a different approach to indifference. We should resolve to confront it, not with antagonism but with a straightforward appeal to decency and morality. We can propose dialogue and exchange of ideas to remember that as we were created differently so are our thoughts and ideas. We need to propose that there is no one path to knowledge or acceptance but rather many ways to the paths of brotherhood and civility. Perhaps we should take the time to look around and see that while we are all different in appearance, we are the same in the way we were created. Scripture describes the birth of humanity, and the question that is raised relates to the fact that only one man and one woman were the beginnings of everything. Perhaps the answer is too simple, and just maybe it’s simplicity is designed to help us understand that the example is there to remind us that one person Is no better than another for we come from one mother and one father. The one ingredient that can be found in ach of us is simply the gift of choice. We have the ability to be empathetic and sympathetic to the needs of others. We can make a difference in the lives of those less fortunate. We must learn that to choose hate over love will lead us into an abyss from which there is no return. Perhaps we should step back and take a long hard look at the world, and know that while all was created in just six days, it will take a lifetime, and many lifetimes to follow to continue to complete the task of creating an appreciation for the value and purpose for the greatest gift given us: Life. As the winter approaches its height, let us resolve to keep the warmth of our spirit and the breath of the impending Spring, the most important aspect of the choices we make: “To do justly, love mercy, and walk humbly with God.” (Micah 6:8) Rabbi Irwin Wiener, D.D. Sun Lakes Jewish Congregation National Chaplain, Jewish War Veterans, USA
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With mounting pressures and expectations, the high school years can feel overwhelming - for students and parents alike. Teens grapple with questions like: Which colleges should I apply to? What should I choose as a major? What do I really want to do with my life? What if I don’t have a clue? As a parent you naturally want to give advice and steer them in the right direction, but you also know it’s a tricky balance. It’s their life, after all, as they’ll often remind you. So how can you help? Encourage them to explore different interests, with no strings attached. Look for activities beyond the usual choices. Research extracurricular programs at your school, in your community, even overseas so they can see the breadth of what’s out there. Expose them to a range of possibilities and see what they pick. Does your teen already have a clear focus? Look for innovative programs that allow them to dig even deeper in real-world settings. Or maybe your son or daughter is shy or stuck in a rut and needs a gentle nudge to try something new? It’s amazing how a change of scenery can inspire students and tap hidden talents. Over time they’ll gravitate toward one thing or another, and the journey will be rich with self-discovery. From local to global, there are many valuable paths that help spark new interests while building self-knowledge, confidence and 21st century skills along the way.
Teen Scene
A new activity picked up on a whim may turn into a lifetime source of joy or even a career. If options are limited at school, branch out. Urge your teen to get involved in the local community, meet new people, and bond with others who share similar interests. They’ll see what’s out there in the bigger world while demonstrating to colleges and employers that they’re engaged beyond the standard classroom requirements.
Service programs help teens gain valuable perspective. When teens offer their time and talent to nonprofits and worthy causes, they gain more than just real-world experience for their college resumes. They gain maturity, perspective, practical skills and a greater appreciation for what they’ve got. Volunteering can be customized to one’s own interests, whether it means walking dogs at an animal shelter or building a website for an environmental group. Adventurous students can take it one step further by participating in service programs abroad. Whether working to raise social awareness, lending a hand with environmental and conservation project, or mentoring underprivileged youth, teens grow exponentially during a summer far away from their usual routine. More and more high school students are making the leap overseas for summer programs or for a semester or gap year. As many students, parents and guidance counselors have discovered, this is an opportune time to develop valuable lifelong skills, learn a new language and discover career interests in a way that is not possible in an everyday classroom environment.
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Do The Math Do the math: Homebuying now may save a lot
(BPT) - It is a common misconception that a 20 percent down payment is required to buy a home. Advice to wait and save a large down payment is often based on the theory that the cost of mortgage insurance (MI), which is required when you buy with a smaller down payment, should be avoided. This may not be the best advice and is, in fact, not in line with market trends, considering 60 percent of homebuyers buy with a down payment of 6 percent or less, according to the National Association of Realtors. Yes, you can qualify for a conventional mortgage with a down payment as small as 3 percent of the purchase price. It is also true that you can reduce your monthly mortgage payment by paying for discount points at closing, but that can be 5 or 10 percent of the purchase price - not 20. And because every buyer’s situation is unique, it’s important to do the math. In today’s market, it could take a family earning the national median income up to 20 years to save 20 percent, according to calculations by U.S. Mortgage Insurers using a methodology developed by the Center for Responsible Lending; a lot can change during that time, in the family’s personal finances and in overall mortgage market trends. How can buying now save you money later? Consider you want to purchase a $235,000 home. A 5 percent down payment is $11,750 versus $47,000 in cash for 20 percent down. With a 740 credit score at today’s MI rates, your monthly MI payment would be about $110, which is added to your monthly mortgage payment until MI cancels. MI typically cancels after five years; therefore, you will only have this added cost for a short period of time versus waiting an average of 20 years to save for 20 percent. With home price appreciation, today’s $235,000 home will likely cost more in the years ahead and this will also have an impact on the necessary down
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payment and length of time required to save for it. There are other variables in the equation too, such as interest rates. As federal rates rise, so too can the costs associated with financing a mortgage. The savings a borrower might calculate today could be altogether negated by waiting even a few more years. Another factor is that rents are on the rise across the nation, leading to a reduced capacity for many would-be homebuyers to save for larger down payments. If you decide to buy today with a low down payment mortgage option, it is true that MI is an added cost on top of mortgage principal and interest, but keep in mind that it is temporary and goes away. Again, it typically lasts about five years. Private MI can be cancelled once a homeowner builds approximately 20 percent equity in the home through payments or appreciation and automatically terminates for most borrowers once he or she reaches 22 percent equity. And when MI is cancelled, the monthly bill goes down. Importantly, the insurance premiums on an FHA mortgage - the 100 percent taxpayerbacked government version of mortgage insurance - cannot be cancelled for the vast majority of borrowers with FHA mortgages. So, do the math and let the numbers guide you. There are many online mortgage calculators that can help. Check out lowdownpaymentfacts.org to learn more.
March 2018
The beauty of barn doors Barn doors moved out of the farmyard and into the house a long time ago. Recently, however, they have become an even more popular and useful feature in residential design. It’s not hard to see why. “Many homeowners hear the term ‘barn door’ and think of reclaimed, rustic wood, which may not be a look they’re interested in,” says Linda Jovanovich of the American Hardwood Information Center. “But contemporary barn doors offer many more aesthetic choices than their traditional image suggests. We’ve noticed a trend toward the use of solid, fine-milled hardwoods like walnut and cherry for sliding doors, which not only gives them satisfying heft but is also a great way to bring the warmth and character of natural wood into an interior.” New York-based interior designer Laura Bohn agrees. “I’ve installed hardwood barn doors in many projects, both in the city and the country,” she says. “They provide a lot of decorative interest, particularly hung in pairs. I’d choose a clean, sophisticated design in a subtle wood like maple or birch for an urban interior. Poplar planks painted a cheerful color, or characterful woods like hickory and cypress would be better for doors in a country house.” Along with their decorative qualities, barn doors often provide a functional alternative to conventional swing doors. “Barn doors, either singly or in pairs, offer a simple and effective way to divide large spaces - a kitchen from a living-dining area, for example,” says Laguna Beach, Californiabased designer Lisa McDennon. “They can create instant separation and privacy in even the most open-plan house, which allows for greater flexibility in daily use.”
Home Decor doors run on hardware installed outside the frame, they need no such preparatory construction, saving time and money. And the tracks themselves are part of the doors’ decorative appeal. “There’s a terrific selection of barn-door hardware available,” Bohn says. “Use sleek, high-tech tracks in brushed aluminum or satin-finish stainless steel for a modern urban vibe. For a more rustic or industrial statement, think blackened iron or raw steel, both of which look powerfully graphic against natural or painted wood.”
Visit www.hardwoodinfo.com for more about residential design trends and other applications and products using American hardwoods.
“A traditional door can use up to nine square feet of space, which is a lot in city apartments where every inch counts,” notes New York-based designer Glenn Gissler. “A barn door only takes up a sliver of floor, making it a terrific solution in tight situations such as hallways and narrow rooms. You just need enough adjacent wall footage to slide the door over.” Barn doors offer economic advantages, too. While pocket doors have similar space-saving benefits, installing them requires wall reconstruction - a messy and expensive business. Because barn Mountain View
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Home Sweet Home Keep your home pest free this year
Now is a great time to establish year-long goals and resolutions, including home improvement goals you’d like to tackle this year. The first step is to create a pest control plan for your home. It’s important to establish good habits early in the year to help prevent potential pest problems. Unchecked, pests can wreak havoc in your home, but there are several steps homeowners can take to help avoid an infestation and keep their home safe and their family happy. Sanitize Clean your kitchen, pantry and any other places where food is stored. Remove crumbs and wipe up sticky drink residue to avoid attracting cockroaches and ants. Drains and sinks can be breeding grounds for flies, so keep them clean and clear. Regularly vacuuming and dusting can help prevent pests during the winter months. Repair home damage Engage in regular home maintenance to help avoid unwanted pest entry. Insects can come in through tiny cracks and openings, rodents can squeeze through a hole the size of a dime and raccoons
and squirrels can enter through large holes. Basic maintenance steps include fixing gaps or holes in broken screens, doors and cracks in your walls and repairing any other exterior home damage. Maintain your yard Trim branches and trees touching your home to prevent easy access for pests. As expected by the name, roof rats and even squirrels can crawl across branches and enter your home through the roof. Keep outdoor trash cans secured to reduce the attractiveness to rodents and raccoons. Cardboard boxes and trash in your yard can provide shelter for spiders and insects. Yard clutter, such as leaf and wood piles, may be a source of food or shelter for a variety of pests. Monitor your home In the new year, step into a new routine of monitoring the exterior and interior of your home for holes, cracks and crevices. But also monitor for droppings, as well as chewed or damaged spots in your home. Regular monitoring for visual cues can help quickly address pest problems, and prevent future issues. Know when it’s time to call a professional As hard as we work to keep pests out, they are working hard to get in. Even the most vigilant homeowner can experience infestations. To prevent further damage and ensure you are safe in your home, it’s important to know when a pest problem is beyond your control. Professionals are trained to locate the specific sources of infestations and provide treatment options to eradicate the problem from your home. A trained professional can use proper techniques and tools that will provide the best solution to eliminate your pesty problem.
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Whether you’ve helped a family member through treatment or are facing a diagnosis yourself, hearing the word “cancer” can make people feel powerless and overwhelmed. For many, the best way to regain control is to be as educated as possible. This desire to be informed can lead to an endless and exhausting search for relevant, trustworthy, and relatable information. “People with cancer are overwhelmed by information from many disparate sources, however, they need to absorb and retain what’s important to them. Curated information that is specific to their individual situation allows them to focus without having to sift through irrelevant and often inaccurate content.” Ellen Miller-Sonet Chief Strategy and Alliance Officer CancerCare That’s why the Janssen Pharmaceutical Companies of Johnson & Johnson collaborated with leading advocacy organizations to develop Cancer.com, a new online destination for people impacted by cancer. Cancer.com offers educational information, a powerful coaching tool, and links to relevant blogs and social channels, all in one place. You can create a profile that serves up content tailored to you. This includes information for your cancer type and where you are in your cancer experience: just diagnosed, undergoing treatment, or living in remission. Further customize your Cancer.com experience by learning more about topics that interest you. Cancer.com topic areas were created based on what patients and caregivers search for the most, including: Insurance and financial assistance informationTips for effectively engaging with a healthcare teamInformation about living well (eating healthy, getting sleep, staying positive, and more)Local support ranging from clinical trial information to travel services”Every person’s journey through cancer is different, which makes personalized information an essential part of the patient’s care plan. We want to help individuals find the combination of educational and emotional support resources that will give them a sense of control.” Hildy Dillon, MPH Vice President, Education and Support Programs Cancer Support Community
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Cancer.com
Cancer.com houses information from key patient advocacy groups that collaborated on the site: the American Cancer Society, CancerCare, and Cancer Support Community. It is also a gateway to the educational resources and tools featured on these groups’ websites. Additionally, Cancer.com features a wealth of articles and links to content from reliable sources that include government agencies, medical centers, and news and academic media.
“As a trusted resource for cancer information, the American Cancer Society is pleased to contribute its expertise and content to ensure people affected by cancer receive the most up-to-date information to make informed decisions about their health.” Chuck Westbrook Senior Vice President, Cancer Control Programs and Services American Cancer Society Beyond trusted, personalized, and compelling content, Cancer.com features interactive tools designed with your needs in mind: My Care Activator‚ an exclusive health coaching tool developed by behavior scientists at Johnson & Johnson, helps identify specific needs and prioritize modifiable behaviors. Some skills this tool will help you build include coping with symptoms, working with a care team, asking for support, participating in appropriate exercise, and getting better sleep. Advocacy Connector helps you access the support you need through a comprehensive listing of resources based on your cancer type, location, and specific needs. Use this tool to search for local support ranging from clinical trial information, to travel services and wellness activities.If you or someone you know is living with cancer, visit Cancer.com today to access useful information and tools to help you along your care journey.
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Bergen Financial Group Presents Power & Protection Strategies For Retirees - - Avoid 10 Pitfalls Made By Retirees!
Using Different Insurance Options Learn How To: ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆ ◆
Keep your retirement dollars safe with proven strategies Benefit from market ups without any risk to your principal Potentially earn double-digit returns with NO market risk and zero loss of principal Reduce RMD’s on your IRA Earn tax deferred and/or income tax-free2 earnings on your savings Stop or reduce taxes on your social security checks Get long term care and/or home health care without writing a check for it Increase your heirs benefits by 10%, 30% or even 100% Differentiate annuities: The Good, The Bad & The Ugly Avoid common mistakes made with wills & trusts3 Get payout rates on annuities as high as 6.75 % and compound rates as high as 6.75% 4 by using income riders
IRA Rollover 10.461 gtd. 1st year
This entitles the holder to RSVP for up to 4 people A COMPLIMENTARY MEAL Trilogy at Vistancia Tewa Ballroom 27980 N. Trilogy Blvd., Peoria, AZ 85383 Thursday, March 15th at 5 PM followed by Dinner NOTHING WILL BE SOLD AT THIS FREE WORKSHOP! Your Speakers: Darcy L. Bergen AZ License #155178 Darcy L Bergen is a fiduciary and the founder of Bergen Financial Group. Darcy is an experienced television and radio personality, having hosted radio shows including “Smart Money” and “Safe Money & Income Radio Show with Darcy & Heather.” He has presented hundreds of seminars dealing with all aspects of money, and now focuses on matters associated with retirement. Darcy is a Certified Retirement Financial Advisor (CRFA) and is a NAFA member (National Association for Fixed Annuities).
Bryan Little AZ License #23626 Bryan Little is a fiduciary and specializes in retirement and income planning. Since 1995, Bryan has had a goal in helping his clients achieve their ideal financial retirement. Bryan is a licensed insurance agent, licensed to sell life insurance and annuities. Being an independent advisor, he strives to find the best companies and products to help clients achieve their goals.
Seating is Limited... Call to RSVP 1-800-915-2502 Bergen Financial Group • 20542 N. Lake Pleasant Road, Suite 111 • Peoria, Arizona 85382 This is not intended to be a sales seminar. The purpose of this seminar is to provide you with general information on retirement planning. Neither Bergen Financial Group nor any agents acting on behalf of Bergen Financial Group should be viewed as providing legal, tax or investment advice. Consult with and rely on your own qualified advisor. Annuities: “A surrender during the surrender charge period could result in a loss of premium. Surrender charge structure may vary by state. Please consult your Disclosure Statement for details specific to your state. However, some products have a Return of Premium Guarantee. Issuing companies that have Return of Premium products are Midland National, EquiTrust, National Western and Sagicor. Life Insurance: “Income and growth on accumulated cash values is generally taxable only upon withdrawal. Adverse tax consequences may result if withdrawals exceed premiums paid into the policy. Annuities grow tax deferred and life insurance is tax free under certain circumstances. Withdrawals or surrenders made during a Surrender Charge period will be subject to surrender charges and may reduce the ultimate death benefit and cash value. Surrender charges vary by product, issue age, sex, underwriting class and policy year. 1Interest is based on 10.46% effective August 22, 2017 and is subject to change without notice.” 10.46% First-Year Yield reflects 8% Premium Bonus plus a 2.9%, Fixed Account Rate, and assumes no withdrawals, net of fees. This yield applies only to premiums in the Fixed Account. The Fixed Account Interest Rate is based on current rates and subject to change at the Company’s discretion and based on $250,000 premium.” 2Tax-free refers to income tax3Daniel Mazza is our View 2018 free life insurance. Mountain Attorney for Wills and Trusts. His license number is 029570. 4Secure income annuity offered through Security Benefit Life. Insurance products may beMarch presented by Bergen Financial Group, a company that provides insurance products for clients. Fixed annuities guarantee that your money will earn at least a minimum interest rate. Fixed annuities may earn interest at a rate higher than the minimum but only the minimum rate is guaranteed. The issuer of the annuity sets the rates.
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Enrolling in Medicare for the first time or starting coverage under a new plan? It might bring you back to that first day starting a new job. You knew some of the basics, but you also knew there was a lot more to learn. More than likely, you got help from colleagues who have been around for a while and helped show you the ropes.
Medicare
Don’t worry. With Medicare, you have the same kind of knowledgeable support. You’ve got a team on your side that can help make navigating the health care system easier. Goodbye hassles, hello helpers. Here are five allies in your corner: 1. Your Primary Care Physician. This physician is the “go-to” doctor who provides guidance on your health care needs, taking the time to really get to know you, your medical history and your health goals. Think of your Primary Care Physician as the “quarterback” of your medical team - someone who can take charge of knowing the ins and outs of your health status and help drive decisions to get you on the right track and keep you there.
making meals or offering emotional support.
2. A caregiver. Perhaps the “unsung hero” of your health care team, caregivers are the ones you know you can count on - the ones you know are there to offer support and care for you, whenever you need it. Whether a family member, neighbor, friend or professional assistant, these are the people in your life who help you along the way. Their assistance can span everything from bringing you to appointments or getting prescriptions filled to
4. An insurance agent. Original Medicare. Medicare Supplement. Part D. Medicare Advantage. There are many options and decisions to make when it comes to your Medicare coverage, and a licensed insurance agent can help you find the right plan, or plans, for you. Once you’ve selected a plan, you can also always call your agent to ask questions if your health or coverage needs change or if your plan changes from year to year.
3. Your pharmacist. This team member keeps an eye on the medications you take - prescription and over-the-counter - to make sure they work safely together. Your pharmacist is a great person to talk with about how medications are making you feel and answer any questions you have on topics including what side effects to expect, what to do if you miss a dose, or how to store your meds.
5. Your insurance company. Within your insurance company, there are more people than you likely realize who are working hard on your behalf to ensure you get the medical care and support you need. Insurers can offer tools, resources and support that can help you live a healthier life. For more information to help you navigate Medicare, visit MedicareMadeClear.com.
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Life As A Caregiver Anyone caring for someone with Alzheimer’s has been told that the disease effects people differently. Some patients become mean and hard to handle. Others lose themselves in the disease and are quiet and unresponsive. And still others suffer from depression. My mom has stayed pretty true to herself. But…depression DOES rear its ugly head from time to time. The disease and her inability to do things for herself makes her sad and frustrated. The disease also creates what is called “episodes” from time to time. Episodes where her behavior changes drastically. She had one last week. When they hit, they last for about 24 hours. Mom doesn’t sleep during any of that time. Her daily acute headaches are non-existent for that 24hour period, she doesn’t eat much, becomes very restless, doesn’t remember that her mother, my father, and her siblings have all died, and asks a million questions. This particular time, though, she thought I had a daughter (which I don’t) named Joyce, was sad that she spoiled a dinner outing with my husband (I haven’t had a husband for a very long time) and thought I was a friend of the family. During this particular episode, she had a very hard time trying to find the words to express herself (a common trait of Alzheimer’s, but not for my mom as of yet). It made me literally sick to my stomach. My mom didn’t know me. She recognized me, but didn’t know why or who I was. This ‘episode’ was a rough one…..seeing her struggle with information that she knew well; having her not know me as her daughter. Oh man! I cried for a good part of the day when she wasn’t with me…. partly because of the confusion she was experiencing and partly because I wondered if this was the beginning of the next phase of Alzheimer’s. I had done my homework several years ago and chose
18 Mountain View
a group-home nearby where I thought my mom would be comfortable when the time came to move her. But not yet!! It’s not time YET!!! Or is it? What has usually happened when mom has had an ‘episode’ is that after the 24-hours passes, she crashes. She has an enormous headache, she sleeps for almost an entire day and begins to eat normally. Her new normal returns and she knows me and recognizes all of her surroundings. And so it was this time, too. She didn’t remember what had happened and was perfectly content to sleep and regain her strength. I learned a lot from this ‘episode’. I learned that I can deal with the day-to-day routine of caring for someone with Alzheimer’s, but not the extreme behavior changes that occur once in a while. That no matter how much you’ve prepared or understand about what’s happening, seeing someone you love in discomfort is extremely painful. I became SO emotional this time that it really made me look at my behavior during the crisis. I found myself angry and rather irritable in the way I answered my mom’s numerous questions. What I experienced was my lack of control over something negatively effecting someone I love. And when we are used to being in control and taking charge, as caregivers must be, there is nothing worse than NOT being in control. I couldn’t help her. I couldn’t make it better. I couldn’t make the bad stuff go away. And that broke my heart. And made me hate the disease even more!! Once she started feeling better, then I started feeling better. Until the next time. But something she said to me after she had calmed down a bit played over and over in my head. I thought it was pretty insightful. She said, ” I feel like my life is in front of me in a book…and some of the pages are missing.” Indeed they are, mom. Indeed they are. And I’m so sorry! So….lessons learned here? Its normal to be angry with the disease. Its normal to be upset when you see your loved one in discomfort. Its normal to have your emotions rip your heart out. And I’m told we will know when the time is right to take on next steps. I’m counting on THAT! And I will be ready. Submitted by Kathy Linton, West Valley Resident
March 2018
Think of all the items you replace regularly - your cellphone, lightbulbs and even your toothbrush. But when was the last time you replaced your smoke alarm batteries, or even the alarms themselves? It’s easy to overlook, but the time to think about fire safety is now - before an emergency strikes. Many assume that because they have smoke alarms in their homes, they’re protected in the event of a fire. In reality, smoke alarms need to be installed, maintained and tested regularly to ensure they’re working properly. That effort includes knowing how old smoke alarms and their batteries are, as neither lasts forever. While smoke alarm lifespan and sensing technology have improved in recent years, the fact remains that all smoke alarms expire after 10 years. “According to the National Fire Protection Association (www.nfpa.org), three out of five home fire deaths occur in homes without smoke alarms or from missing or dead batteries,” said Tarsila Wey, director of marketing for First Alert. “Just like other household duties, it’s important to make sure alarm maintenance and replacement and escape planning and practice become a regular, ongoing part of your family’s routine.” First Alert offers the following advice to ensure your family is best protected from fire. Count the alarms - In most cases, one alarm isn’t enough. In fact, the U.S. Fire Administration (USFA), recommends smoke alarms be installed inside every bedroom, outside each sleeping area and on every level of the home, including the basement, as well as one carbon monoxide (CO) alarm on each level and in each sleeping area. A quick and easy way to remember is one on every level and in every bedroom.
Fire Safety
Today’s smoke alarms are effective at detecting both but use unique technologies that make them better suited for particular locations within the home. The NFPA and other safety advocates recommend installing dual-sensor alarms like the First Alert 10-Year Battery Dual Sensor Alarm because they provide the best potential for early detection of all types of common household fires while helping to reduce the number of nonemergency alarms - all while providing a decade of protection without the need for costly and ongoing battery replacement.
Install and maintain - Having smoke alarms is only one part of the story. In order to function properly, all alarms must be regularly inspected and maintained. Make sure to test the alarm, by simply holding down the test button, at least once a month. Also, when testing, it’s important to clean the alarm to remove any dust or debris. This advice holds true even for newer alarms, which feature 10-year batteries, as well as hardwired alarms that feature a battery back-up. Check or replace the battery when you change the time on your clocks each spring and fall. Plan your escape - Maintaining alarms is essential to every household, but what about your escape route? Unfortunately, recent research indicates that just 25 percent of families have an escape plan that they practice regularly. To develop an effective plan, walk through your home and inspect all possible exits and escape routes. Identify two ways out of each room, including windows and doors. Practice your home fire escape plan at least twice a year and make sure to plan a meeting spot. For more fire safety tips, visit www.firstalert.com.
Install them properly - Does your alarm ever sound when cooking? Chances are, you’ve installed the alarm too close to your appliances. Smoke alarms should generally be installed at least 10 feet from a cooking appliance to minimize false alarms. It’s also recommended to install smoke alarms high on walls or ceilings. Remember, smoke rises, so high placement provides a direct path for detection. Lastly, don’t install smoke alarms near windows, doors or ducts, where drafts might interfere with their operation. Get complete coverage - In general, there are two types of fires - quick flaming and smoldering. Mountain View
March 2018
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March 2018
Heart Health
3. Avoid ordering before-the-meal extras. Cocktails, appetizers, even bread and butter are all sources of extra fat, sodium and calories. Cut them out and your calorie intake will drop - and so will your bill. 4. On the side, please. Ask for butter, cream cheese, salad dressings, sauces and gravies to be served on the side when you dine out. This allows you to better control the quantity you consume. 5. Explore your options. When ordering fish or chicken, avoid fried whenever possible. Choose boiled, baked or grilled options instead for a healthier alternative.
When it comes to maintaining and/or improving your heart health, it’s the little things you do day after day that can have a big impact on your immediate and long-term health. A healthy diet and plenty of exercise are naturally the first things you think of when looking at ways to support your body’s most important muscle, but to really make your heart health initiatives as effective as possible, you need long-term solutions, not quick fixes.
6. Think small. Cutting back on portion sizes is a great place to start eating healthier, so don’t be afraid to ask for a smaller serving when you dine out. If smaller portions aren’t available, ask for a to-go box when you order and place the rest of your entr√©e in the box to eat later. 7. Make a healthy substitution. Often a healthier choice is available for nearly any dish. For example, if you order an item that naturally comes with French fries or onion rings, ask whether you can get a side of fruit or vegetables instead. It may cost you more, but the switch is certainly worth it.
The American Heart Association (AHA) has long been at the forefront of heart healthy initiatives, and this year’s Life is Why We Give (TM) campaign is drawing support from people and companies - like Pilot Flying J - all across the nation. In order to help you live a healthier life in 2018, follow these seven heart-healthy tips today. 1. Be careful of what you snack on between meals. High-fat and high-sugar snacks are popular, but ultimately unhealthy. Opt for fresh instead of processed and choose fresh fruits and vegetables for your snacks between meals. 2. Don’t just drink the drink. Your beverage choices could add unnecessary fats and sugar to your diet, so choose low-sugar and nosugar alternatives as well as low-fat milk or cream for your coffee. This way you’ll avoid drinking empty calories.
Mountain View
March 2018
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Yum Yum
For most of us, a little evening downtime is not a luxury - it’s a necessity. After a hectic day of work, commutes, kids and dinner prep, we deserve to take a moment to slow down and enjoy some hardearned “me time.”
1. Start fresh: The perfect cup of tea starts with a clean mug and a clean kettle of fresh, cold water. Never reuse water that’s already been boiled, because that can weaken the tea’s flavor, Twining says.
Instead of using this time to stream your favorite show or scroll through social media, try a gentle and relaxing activity that puts your focus on the present moment and makes this time truly enjoyable.
2. Don’t over-boil: As soon as the water reaches a boil, it’s time to remove the kettle from the heat source.
“For a relaxing end-of-day activity, there’s nothing quite like preparing and savoring the perfect cup of herbal tea,” says Stephen Twining, whose family founded the world-famous tea brand, Twinings of London, in 1706. The steps we take to prepare and enjoy our perfect cup of tea can help us unwind and feel refreshed, Twining says. Tea releases pleasing scents, the warm brew makes comforting sensations as we wrap our fingers around the mug and take sips, and there’s the deep and satisfying flavors of the tea itself. Of course, when we’re engaged in a mindful activity, it’s that much easier to let go of daily stress and transition into a more relaxed state. Follow these five tips from Twining to brew your favorite cup of herbal tea, and try making this a part of your end-of-day ritual.
“I never let the water over-boil because in doing so, you will cause the oxygen in the water to be reduced, making the tea taste ‘flat,’” Twining says. For that reason, he recommends not using a microwave to boil the water. 3. Savor the moment: Set the tea bag in the mug before you add hot water, pouring it directly onto the tea bag. Just then, it starts releasing its herbal scent, so make sure you take a moment to inhale and relax while enjoying the aroma. Twinings offers a range of herbal teas each expertly blended to provide the perfect balance of taste, flavor and aroma. For example, Buttermint has a refreshing blend of peppermint leaves combined with the creamy flavor of vanilla for a smooth taste and rich aroma, perfect for helping you unwind. 4. Wait for the perfect flavor: Many people make the mistake of thinking that once the brew darkens, it’s ready to drink. However, Twining says color merely washes off the tea leaves early in the process, so don’t let the appearance mislead you. To make sure the flavors fully develop, know how much time your tea needs to brew, and keep an eye on the clock. Herbal teas should steep for a full four minutes. 5. Customize and enjoy: Hopefully, you will find your perfectly brewed cup of herbal tea needs no embellishment because the expertly blended herbs and flowers will provide all the flavor you need. But as Twining says, “The best cup of tea is the one you like the most,” so feel free to make adjustments. The recommended add-ins for herbal teas are honey, sugar or a squeeze of lemon - do not add milk or cream. For a deeper flavor, let the tea steep a minute or two longer. After a long day, you definitely earned this moment, so make sure you take time to enjoy it. If you’re interested in exploring Twinings’ complete line of herbal teas, visit twiningsusa.com.
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Healthy Living and high blood pressure.
4) Eat right. A diet rich in green, leafy vegetables as well as healthy fatty acids may also help reduce the risk of progression. Foods that contain these nutrients include: spinach, kale, broccoli, cabbage, romaine and chard, and fatty fish such as salmon, sea bass, herring, whitefish, mackerel, anchovies and sardines.
Fight for your sight: 5 tips to fight Age-related Macular Degeneration The ability to see is one of our most precious gifts. Like most things in life, our vision may be impacted as we age. That’s why it’s important to learn about Age-related Macular Degeneration (AMD). Prevalent among older Americans, it affects one in five adults age 65 and older, and is the leading cause of blindness for this population. While there is no cure for this condition, there are steps that you can take to help reduce the risk of progression, including: 1) Schedule routine eye exams. As early stages of AMD may not present any symptoms, you may not think to consult your eye doctor. Keeping routine eye exams that include eye dilation may help to identify the condition early, as well as help maintain overall eye health.
5) Consider supplements recommended by the National Eye Institute. If you’ve been diagnosed with moderate to advanced AMD, The National Eye Institute recommends taking a specific nutrient formula based on the AREDS 2 study, that may help reduce your risk of progression. Talk with your doctor to see if an AREDS 2 formula eye vitamin is right for you. To raise awareness of this public health issue, Bausch + Lomb, in collaboration with Prevent Blindness, the nation’s oldest volunteer eye health and safety organization dedicated to fighting blindness and saving sight, has launched the Why Eye Fight campaign. To learn more about AMD, what steps you can take to help fight for your sight or to watch the patient stories or PSA, visit www.WhyEyeFight.com. You can also join the online conversation and share your story using #WhyEyeFight on Facebook and Twitter.
2) Address symptoms immediately. See your eye care professional right away if you experience sudden or gradual changes in vision quality. As AMD progresses, straight lines may appear distorted, central vision may look dark, blurry or white, or changes in color perception may become noticeable. If you have been diagnosed with AMD, you should also regularly check your eyes with an Amsler grid tool that helps track incremental vision changes. 3) Lead a healthy lifestyle. If you smoke, quit. Regular exercise can also help to maintain eye health and minimize the risk of progression. Other risk factors for AMD include obesity, high cholesterol Mountain View
March 2018
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Puzzles & Games Sudoku for February Numbers from 1-9 must appear only once in each row, column and box. Good Luck! Solution is on our website www.EstrellaPublishing.com
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WORD SEARCH
March 2018
EMERGENCY SERVICES Emergencies (Police / Fire) Police Non-Emergency Fire Department Non-Emergency Fire Dept. (Snake Removal) Poison Control Center Rattlesnakes & Gila Monsters
Useful Numbers 911 623.773.8311 623.773.7279 602.253.1190 602.253.3334 480.894.1625
HOSPITALS - MEDICAL Arrowhead Hospital Cancer Center of America John C. Lincoln - Deer Valley Banner Hospital - Del E. Webb Banner Hospital - Boswell
623.561.1000 800.268.0786 623.879.6100 623.214.4000 623.977.7211
CITY OF PEORIA City Hall Water/Trash Main Library Sunrise Mountain Library Parks and Recreation
623.773.7000 623.773.7160 623.773.7555 623.773.8650 623.773.7137
POST OFFICES Glendale Post Office Peoria Post Office Sun City West Post Office
623.572.0288 623.979.8533 623.546.3990
Mountain View
LICENSES Drivers & Plates Vehicle Emissions Station PUBLIC UTILITIES APS - Electric Company Cox Communications Qwest (Voice & Internet) ZONA Communications Southwest Gas Company
SCHOOLS Peoria Unified School District Lake Pleasant Elementary School Vistancia Elementary School Liberty High School Sunrise Mountain High School MISCELLANEOUS Trilogy Golf Club Trilogy HOA Office Vistancia HOA Office Community Patrol
602.255.0072 887.692.9227 602.371.7171 623.594.1072 800.244.1111 623.455.4555 877.860.6020 623.486.6040 623.773.6575 623.773.6500 623.773.6525 623.487.5125 623.328.5100 623-215-6258 623.215.8646 480.313.2685
March 2018
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Business Directory AUTO SERVICES Baron Auto Mobil Detail
623.755.3465
CONSULTING Estrella Partners Group
623.594.9283
FINANCIAL & LEGAL SERVICES Bergen Financial Group Kramer Legacy Documents Michael Sweet, CPA Succentrix Business Advisors
800.915.2502 623.300.1227 631.987.8989 623.594.9615
HEALTHCARE & BEAUTY Alycan Design Medispa A Tender Dental Care
602.368.8413 623.937.1888
HOUSEHOLD SERVICES Al’s Plumbing Cluff Mechanical Heating & AC Dirt Busters House Cleaning Green Leaf Pest Control The Window Cleaner AZ Younger Brothers Exterminating Younger Brothers Plumbing Zona Communications
623.329.5170 602.765.COOL 623.977.6725 623.399.9970 623.738.6064 623.487.3147 623.487.3130 623.455.4555
RECREATION & RESTAURANTS Haymaker Restaurant Co. 623.566.1515 KNFX 1100AM Radio 602.277.1100
REAL ESTATE Coldwell Banker - M & J Morin Friedman Realty Associates
RETAIL SERVICES Budget Blinds of Peoria Estrella Ordnance Pure Patio Steel Shield Security Doors
623.251.5988 623.262.2154 623.299.8000 623.977.3277
623.262.2870 623.476.2491
WORSHIP Spirit Song Church
623.824.1357
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March 2018
I S YOU R INTERNET R E A DY ? Are you ready to stream all the basketball madness in March? Make sure your home’s internet connection has the speed you need for a winning viewing experience. Zona Communications offers super-fast internet plans with download speeds up to 1 GIG. Sign up for a new or upgraded plan now, and you’ll score free installation from our team.
FASTER INTERNET IS A GAME CHANGER.
CALL 623-455-4555 TO SIGN UP NOW! 28620 N El Mirage Road, Suite 101 Peoria, AZ 85383 623-455-4555 www.zonacommunications.com Mountain View
Service availability and internet speed will depend on location. Contact us for details.
March 2018
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Cornerstone Group © 2018
Mention promo code Net.
Your Neighborhood Real Estate Company With Global Reach
Office: 623-476-2491 Call/Text: 623-986-0987 BirdieGolfHomes.com
IT’S A GREAT TIME TO SELL YOUR HOME!
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FRIEDMAN REALTY ASSOCIATES’ RECENTLY SOLD
FRIEDMAN REALTY ASSOCIATES’ 4TH ANNUAL “SHRED WITH TED” EVENT
COMPLIMENTARY SHREDDING SATURDAY, MARCH 24 9 A.M. – NOON
In front of 1st Computer Solutions (Behind Walgreens)
LIST PRICE: $409,900
SOLD PRICE: $409,900
Libertas, 1867 SF/2BR+Den/2BA/2-Car Garage | Sold Date: 2/5/18
Call or text Friedman Realty Associates at (623) 986-0987 for your listing appointment today!
Your Neighborhood Real Estate Company With Global Reach
We get results – we make it happen FOR YOU! 28 Mountain View
s your Watch a ts are n docume ed! d e shr d
SAVE TH E DATE! PROCEEDS TO ST. MARY’S FOOD BANK.
FIRST TWO BOXES ARE COMPLIMENTARY!
Additional boxes $5.00 each! (Box sizes up to 16” x 12” x 10”.) For more info visit: www.birdiegolfhomes.com/shred-event-2018
FRIEDMAN REALTY ASSOCIATES
is sponsoring the Putting Contest
at the SINGLETON MOMS CHARITY GOLF OUTING Supporting single parents with cancer.
Monday, April 9 SAVClub Blackstone Country E THE DATE!
www.SingletonMoms.org March 2018
If your home is currently listed for sale, this is NOT intended as a solicitation for business.