Mountain View
May 2017
1
2 Mountain View
May 2017
Mountain View
May 2017
3
From Me To You... Welcome! to the May edition of Mountain View magazine.
I went to the mailbox with a sense of anticipation, a feeling similar to childhood birthdays washed over me. What would I get? Would I like it? Would it change my life? I am sure you too have seen or enjoyed the recent rash of subscription box services that have popped up. You can subscribe to a box of make up, clothing, dog toys even your family dinners. Some of these are time savers, others just pander to our childhood love of presents. Because that is what it feels like. Sure I put down my credit card to enjoy this present, but someone else picked it out for me and took the time to wrap it and send it to my door. I will admit that I have, in the past, enjoyed a box of food that I wanted to use to expand my family’s dinner repertoire. The measured and decanted oils and vegetables promised a new experience that we could all enjoy making together. That lasted for the first meal. My imagined evenings of bonding over cooking and sharing meals we prepared together fell to the wayside as the food languished in the fridge. The box delivered on its promises but what it did not give me was more time and energy to gather the troops and organise the cooking project. Plus, some of those meals were downright weird.
As always, our magazines are not associated with any HOA and are not produced using any of your fees. Please patronize our advertisers, after all they are the reason you get this magazine for free every month! Don’t forget to visit our website for puzzle solutions, restaurant reviews, coupons and business directories! www.EstrellaPublishing. com
Catherine Uretsky
Editor, Mountain View Magazine info@estrellapublishing.com 623.594.9283 Estrella Publishing is a proud member of the Surprise & Peoria Chambers of Commerce and Local First Arizona.
As for the box of dog treats and toys... Well that always delighted my four-legged friend, and he pretty much ate everything that arrived (toys included). The downside of that particular box is that now he thinks every package is his and goes nuts trying to get at my Amazon deliveries. Will I subscribe again? I am sure I will. After all, who doesn’t love getting a present in the mail?
4 Mountain View
May 2017
Where To Look 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 2009-2017 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.
On Our Cover ~ pg 6 Positive Parenting ~ pg 9 Furry Friends ~ pg 10 Be Informed ~ pg 12 Life As A Caregiver ~ pg 13 Money Matters ~ pg 14 Peace On Earth ~ pg 15 Puzzles And Games ~ pg 16 Sudoku & Solution
Catherine Uretsky Publisher & Editor
Mountain View
Al Uretsky Publisher & Sales Exec
Useful Numbers ~ pg 17 Business Directory ~ pg 18
May 2017
5
On Our Cover The brave souls ‘baring all’ on our cover this month are members of the Trilogy Swim Club. These particular members Fred Crawford, Mike Koenig, Ken Loudon, Robert Schwarz, Mieke Herman and Susan Roemer all medalled in the 2017 Senior Olympic Games on March 26th this year. They brought home 16 gold, 2 silver and 2 bronze medals between them! The group is not solely formed of competitive swimmers. Many members join to maintain or improve their health. Swimming is great for people of all ages but particularly seniors. “Swimming is an ideal workout for the elderly, mainly because it presents little risk of injury and is low impact. Water exercises work out all the muscle groups in the body, presenting a complete workout for seniors. Here are just a few of the health benefits swimming offers to older adults: • Improves heart health. Swimming makes your heart stronger, larger and improves your cardiovascular health and endurance. It will also lower your blood pressure, improve your circulation and help reduce the risk of heart and lung disease. • Gentle on the joints. Because swimming is not weight-bearing, it’s easy on the joints for those who suffer from joint pain and discomfort. It’s a fullbody workout that keeps the pressure off your hips, knees and spine. • Reduces the risk of osteoporosis. Swimming can improve bone mineral density (BMD), which will help fight osteoporosis. This is very important especially for women; a third of women over the age of 50 and a fifth of men experience a bone fracture due to osteoporosis. • Increases flexibility. While stretching before and after exercising is a sure way to regain flexibility, the act of swimming itself can also help increase your flexibility in your hips, legs, arm and neck. It can also help improve your posture and alleviate back pain. • Improve muscle strength and tone. Every time you move in the water, you’re putting every muscle group to work. Swimming is a great form of resistance training and can help improve your muscle strength- and you’ll also see long, lean muscle tone forming the more you do it! • Boosts mental health. Swimming is a great way to reduce your stress levels, boost your mood, and increase your brain function. Plus, because swimming can be
6 Mountain View
a social activity, you’ll avoid the feelings of social isolation and loneliness that can lead to depression in seniors.” ~ American Senior Communities Blog The group has a formal practice on Saturday mornings at the Kiva Club where up to 18 members swim together then they meet informally during the week if they wish. Every swimmer is welcome, their mission is lifelong fitness through swimming. At the Saturday practice there are 2 workouts: one for those training competitively and the other for those who are not training for an event but want to reap the health benefits. Having spent some time with these active adults I can quite honestly say they are a fun, welcoming bunch and they have as much fun with each other as they do in the water. Many of them found swimming again after a life break. It is, for them, a “Forever Young Sport” and they wouldn’t have it any other way. In fact they report that when they have to take a break from swimming, for whatever reason, the impact is felt immediately and then they feel their age. When I swim for any length of time it gets boring so I asked them how they coped with that. Their secret? Water MP3 players. They can listen to their favorite tunes as they do their laps. If I had thought of that, perhaps I would be a medal worthy swimmer too by now. If only there was a keep your head above water category... If you want more information about the Trilogy Swim Club please contact Fred at fred.crawford1@ gmail.com
May 2017
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 9.07%1 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, May 25th at 5 PM followed by Dinner NOTHING WILL BE SOLD AT THIS FREE WORKSHOP! Your Speakers: Darcy L. Bergen AZ License #155178 Darcy is a well-known television and radio personality, having hosted “Smart Money” and “Senior Money Matters” radio shows along with “The Money Doctor” television show where he taught listeners how to save money, accumulate assets and reduce taxes. Darcy has presented hundreds of seminars dealing with all aspects of money. He now focuses only on matters associated with retirees. Darcy is a licensed insurance agent licensed to sell life insurance and annuities. Darcy and his wife, Heather, currently co-host “The Safe Money & Income Radio Show”; a local financial talk radio show heard every Saturday at 10:00 AM on 1100 AM KFNX.
Bryan Little AZ License #23626 Bryan Little 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 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 9.07% effective November 21, 2016 and is subject to change without notice.” 9.07% First-Year Yield reflects 8% Premium Bonus plus a 1.55%, Fixed Account Rate, and assumes no withdrawals, net of fees. This yield applies only to premiums in the Fixed Account. The Fixed Account Interest Rate is based on current rates and subject to change at the Company’s discretion and based on $250,000 premium.” 2Tax-free refers to income tax-free life insurance. 3Daniel Mazza is our Attorney for Wills and Trusts. His license number is 029570. 4Secure income annuity offered through Security Benefit Life. Insurance products be presented by Mountain View Maymay 2017 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.
7
8 Mountain View
May 2017
Positive Parenting Instilling garage logic in your kids It’s a long-standing tradition performed at the workbench of American garages - passing garage logic to the next generation. From hammering that first nail to changing a car’s oil, the garage is a living laboratory where parents teach their kids life lessons, self-reliance and problem-solving skills. It can even be an incubator where the seeds of a future profession grow. Today, instilling that larger vision requires a break from the small screen. Too often, smartphones and video games dominate the attention of kids, replacing time once craved from their parents. In 2016, National Public Radio reported preteens spend more than four hours per day in front of their screens, and teens spend seven, not including the time spent using these devices for or in school. Replacing the tablet with a tool in kids’ hands requires parents to be creative and focused. Here are some easy ways to start and, in the process, create a sense of accomplishment and ownership kids won’t forget when it is their time to pay it forward. Give a garage tool tour
Mountain View
Start with a tour of your tool collection, demonstrating the role each one plays. Chances are you acquired your tools over a lifetime or more, elevating their significance beyond the specific task for which they were initially forged. Some may even carry a special story - the $3 putty knife that saved a $200 damage deposit in your first apartment, or the pipe wrench that stopped a basement flood in your childhood home. Share the stories, and the glory. Contract the kids for your next project Projects with a variety of tasks provide opportunities for all skill levels to get involved. Just one example is maintaining a wood deck or fence. Youngsters can assist with sanding and painting, while teenagers can learn to clean fences with a Pressure Washer. Keep it interesting by introducing more sophisticated tools as they get older. Keep it clean and safe Help your children understand the importance of keeping tools and workspaces safe, clean and well maintained. Everything starts with protective gear - safety glasses, earphones, masks and gloves appropriate for different jobs. Teach them the value of caring for your investments. Preventative maintenance, such as
changing oil and checking filters, keeps equipment working better and longer, which ultimately saves money. When the project is done, stress the importance of returning everything to its place for an organized and safe shop. Have fun Most of all, make your garage a place kids want to be. Personalize your garage with conversation pieces, memorabilia from your local sports teams or other things that may not be welcomed inside the house. The ultimate goal is keeping kids interested and wanting to learn more ways to be helpful around the house. Assume the role of mentor, not a drill sergeant. Teach them what they need to know and how to succeed. Finally, when a job is done, make a point to celebrate with refreshments and sincere thanks. This fulfillment will keep them motivated and instill invaluable garage logic that will forever be part of their character.
May 2017
9
Furry Friends As a lifelong New Englander, this will be my first summer as an Arizona resident. I’ve heard a lot about the heat here, much like we New Englanders talk about the snow! However, there are plenty of reasons to love summers in Arizona… pool parties, less traffic, Chase Field’s retractable roof… to name a few. Yet with the Arizona heat, there are some summer safety tips you may want to take into consideration, especially pertaining to your furry friends. Rattlesnakes are a hot topic (pun intended) for this season. Rattlesnakes tend to be more active in the spring when they first come out of hibernation and in the late summer, early fall when they breed. They typically find shade on sunny days, coming out at dusk when the temperatures are cooler.
10 Mountain View
Rattlesnakes cannot hear you but are alerted to your presence through the vibrations of your step. Dogs can be trained to stay away from rattlesnakes. Community Paws offers Rattlesnake Training each Spring. This year, there were 39 canine graduates. If you missed this informative training, check out www.ViperVoidance. com for upcoming sessions. Never, ever leave your furfriends in the car, not even for a quick coffee stop. It only takes minutes for your car’s internal temperature to quickly rise. Heatstroke can lead to brain damage or death. Leaving the windows down does not help. If you see an animal in a car exhibiting signs of heat stress, call your local animal control or police department immediately and take the following steps: 1. Get the vehicle’s license number and enter the nearest store or business to request an emergency announcement
be made about a pet left in a hot car. 2. Go back and wait for help to arrive at the vehicle. Think Fluffy needs a summer haircut? Not necessarily… Shaving your dog doesn’t keep him cooler. It may even make him more susceptible to being sunburned. Dogs’ coats provide insulation from both hot and cold weather. They also protects their largest organ, the skin, from the hot summer heat. When in doubt, always check with your local veterinarian and trusted groomer for their expert opinion on your dog’s unique breed. When considering sunscreen, also ask your vet, as humangrade sunscreen may not be the best option for your canine companion. All in all, make sure your family pets have access to plenty of fresh water, shady reprieves, and are wearing proper ID tags at all times. Consider buying your dog his very own kiddie pool for your backyard too… that’s a sure way to make a splash and beat the summer heat! Submitted by Kristin Robinson, of Community Paws, W Valley resident
May 2017
Wellness
Proper nutrition is key to senior health Americans are now living longer than ever before. In fact, one of the fastest growing segments is people over the age of 85 who will represent 20 percent of the population by the year 2040. Because we are living longer, certain conditions specific to seniors are also on a steady rise. Dehydration, falls, fractures, cognition loss and attention deficits are now becoming more commonplace. In a recent paper titled “Salt Appetite Across Generations” presented at a medical conference in Switzerland, Israeli researchers from the University of Haifa indicated that among seniors, a reduced sense of thirst could increase the increased risk of serious dehydration. They also noted that the appetite for salt does not diminish with age, and suggested that this could be used to help sustain hydration and prevent the dangerous symptoms that result from dehydration.
It’s now 2017. Make the most of your dental benefits. Did you know most dental insurance policies and Flexible Spending Accounts renew with the New Year? Or that Health Savings Accounts roll over? Now is the perfect time to schedule an appointment to maintain a healthy smile. Book your appointment today.
50off
$
Seniors in assisted living centers can be especially susceptible to the dangers of low salt diets. In 2013 a task force of 12 professional medical, nursing, and nutritional organizations assembled by the Pioneer Network published the “New Dining Practice Standards.” Their report concluded that low salt diets were contributing to malnutrition and weight loss among a significant percentage of seniors in assisted living facilities. Low salt diets can also cause seniors to suffer from mild hyponatremia, an electrolyte imbalance in the blood which may not sound bad but can lead directly to walking impairment, attention deficits and a much higher frequency of falls. Several recent medical papers found a direct relationship between hyponatremia and unsteadiness, falls, bone fractures and attention deficits. Falls are one of the most serious problems for the elderly and about a third of people over 65 fall at least once every year. Fall-related injuries in the elderly are associated with numerous psychological and physical consequences and are a leading cause of bone breakage and hip fractures, which can lead to complications and permanent disability or death. Some seniors do need a low salt diets but many do not, and it should not be assumed that they all do or benefit from when in fact the opposite may be the case.
Mountain View
Dentistry*
623
223-7589
LegacySmilesDental.com
LEGACY SMILES DE NT IST RY
Cleve Eads, DMD Lauren M. Johnson, DMD 28451 N Vistancia Blvd, Ste 101 Peoria, AZ 85383 *Not valid on previous or ongoing treatment. Cannot be combined with any other offers. Coupon must be presented at appointment. Limit 1 per patient. Excludes cleaning, exam, Digital X-rays, root planing and scaling and/or periodontal maintenance. Subject to insurance restrictions; cannot be applied to insurance co-payments or deductible. Not valid for appointments with pediatric dentist, orthodontist, periodontist, endodontist or oral surgeon. AZ, CO, ID, NM Delta Dental members: valid toward cosmetic dentistry only. No cash redemption value. If full value is not redeemed, no credit value.
May 2017
11
Be Informed 5 things you need to know about vaccines No one wakes up in the morning hoping to be sick. Yet despite the angst people have about becoming ill, many forgo one of the easiest, most effective ways to protect themselves - they choose not to get vaccinated. There are many reasons people choose not to get vaccinated. Often, the decision is caused by incorrect information one may read or hear about vaccinations. Mayo Clinic seeks to eliminate these mistruths and offer correct information about vaccinations so people can make safe, healthy choices for themselves and their families. 1. Are vaccines safe? Safety concerns are the most
common question people have regarding vaccines, and it’s also the question where there is the most misinformation. The truth is vaccines are safe and people who receive them enjoy numerous health benefits, including illness prevention. Each vaccine undergoes rigorous testing before being released to the general public to ensure it not only protects against the disease it’s designed to combat, but that it offers no other ill health benefits. Risks associated with vaccines are minor and may include a fever, soreness or skin irritation. 2. Which vaccinations are recommended? Health care providers recommend people receive the following vaccinations: * Diphtheria/Tetanus/Pertussis * Haemophilus Influenza B * Hepatitis A & B * Human Papilloma Virus * Influenza * Meningococcal * MMR * Pneumococcal * Polio * Rotavirus * Varicella, otherwise known as Chickenpox 3. Should vaccinations be spaced out? Sources of misinformation may lead people to believe that tackling several vaccinations at once somehow dilutes them, but there is no evidence of this. In fact,
12 Mountain View
research shows people, even children, are able to take several vaccines at once without any negative effects. Spacing out the vaccines creates unnecessary delays and additional scheduling, while opening a longer window of exposure to illnesses. 4. Understand the difference between vaccination and immunization. A vaccination is a treatment that introduces weakened or dead bacteria and/or viruses into a person’s body to build up their immunity against the disease. Immunization is the process of developing that immunity. Immunization may happen through vaccination, but it could also come from contracting the bacteria or virus and recovering from the disease. 5. Vaccinations are important for everyone. For people wondering who should get vaccinated, the short answer is nearly everyone. In particular, vaccinations are especially important for younger people. This is because children, especially young babies, are not inherently equipped to fight many diseases and without vaccinations, otherwise small problems could become serious complications and even be fatal. Vaccinations remain an often discussed topic and it can be difficult to determine what is fact and what is misinformation. For those with questions, the first step should be to discuss vaccinations with your doctor, who will be able to provide you with the information you need. For more information about vaccinations, visit mayoclinic.org.
May 2017
Face reality
Life As A Caregiver
Mom has shown numerous changes since we’ve been in Arizona these last four years. But especially in the last year. Deteriorating changes. When we first moved here, she was able to do various activities in spite of her condition: word puzzles, fold laundry, wash the dishes, do a little ironing, and set the table. She really was into the tv shows she liked and laughed out loud at their stories. But now, there has been what seems to be a consistent decline. She is getting very hard of hearing which makes things even more challenging. She does none of the above-mentioned activities and her focus in general is short and scattered. She now must be told what to do: like brush her teeth, wash her hands, flush the toilet and what clothes to put on. And when told to do these things, she must be told several times because she forgets. Because her focus has diminished, she gets lost in the tv programs and becomes oblivious to all that surrounds her. But what she STILL has is her sense of humor, her ability to laugh at funny things and have interesting conversations. Her
opinions are still strong. And so is her love for Buddy…and me. She tells me how much she loves me all the time. I think what I miss the most throughout this journey is her inability to remember what is going on in MY life: where I’ve been or what I’ve done, if I’ve been sick, if I’ve met someone new. The things we used to share all the time. That is the hardest part! Holidays really don’t matter to her any longer because one day is just like all the rest… even if there is celebration. She doesn’t remember. And frankly, that breaks my heart! But we celebrate anyway!
Here is a big decision the doctor and I made together. Everyone’s situation is different, of course. But what he and I both felt was best for mom was to lock her inside her casita when she’s there alone. One of the characteristics of Alzheimer’s is wandering. Fortunately, mom doesn’t have the tendency to wander. But if she did, that would be a horrible thing to deal with. There are so many stories about elders with Alzheimer’s walking aimlessly through their neighborhoods (or beyond), often in their pajamas, not knowing where they are, how they got
there or how to get back home. Some have fallen; some have been attacked. That would probably send me over the edge if something like that happened to my mother.
So the doctor and I felt that locking her inside was for her own safety (and my piece-ofmind)…especially since she sleeps most of the day, doesn’t walk steadily any longer and lives in a stucco building (with little or no chance of fire). It might sound harsh, but she feels safe and isn’t scared that someone might open the door and come in. The main point to all of this is to know what to expect as a family member battles through Alzheimer’s disease. This is happening to my mother. But, in addition to our elders, it could happen to your husband, your wife, your sister or your brother. Knowing what to do and understanding what you will be faced with in the future can help both your family member AND you! Be prepared….to the best of your ability. Denial is NOT your friend! Submitted by Kathy Linton, West Valley Resident
CHAD STANLEY FINANCIAL 29683 N 127th Lane | Peoria, AZ 85383
I can help you safeguard your future Retirement Planning | Safe Money Solutions | Beneficiary Planning Asset Protection & Accumulation | Longevity Risk Management
Call Today! 623.972.2344
Visit me online at www.peoriaannuityinvestments.com AZ License #1156947
Mountain View
May 2017
13
Money Matters
6 tips for decoding college financial aid award letters Cut through the chaos with expert tips for understanding college financial aid letters Whether you’re a high school senior or an adult looking to change careers, a college degree can be the key to a bright future. As acceptance letters arrive in the mail, another important document is not far behind: financial aid letters.
Not all financial aid letters are the same, so deciphering and comparing them can be confusing. To help get you started, the experts at College Ave Student Loans share tips and tricks for how to easily understand your financial aid letter.
Keep an eye out for work-study offers: If you indicated an interest during the FAFSA application, your financial aid letter may list approval for a work-study job that provides money toward your studies and fits with your class schedule. The money you earn is typically applied directly to your school expenses.
Look carefully at symbols and terms: College award letters may use different wording and abbreviations. For instance, rather than spelling out the word “loan” you could see “L” or “LN”. You might also see “net price” and “net cost.” Look carefully at how each school calculates these amounts. Some schools will subtract loan amounts from these figures. Just remember that loans need to be paid back, usually with interest; loans can help you spread the cost of college over time, but they don’t eliminate the expense.
Understand your expected family contribution (EFC): Depending on your personal circumstances, there may be a line item for expected family contribution. This is the amount of money your family is expected to contribute toward your college education based on their tax and savings information. This will impact your overall award package.
“College is a major investment, and many people require financial assistance to pay for it,” says Harlan Cohen, New York Times best-selling author and creator of the Naked Financial Minute. “It’s vital to understand financial aid so you can make informed choices and avoid surprises in the future.”
Know the difference between gift aid and loans: Gift aid is money that is awarded to qualifying students that isn’t expected to be paid back. Gift aid includes things like scholarships, grants, and housing or tuition waivers. Not all applicants will qualify for gift aid, but most will be eligible for federal loans. As a general rule, you should expect that you’ll need to pay loans back, usually with interest.
In order to find out what aid you qualify for, you should start by filing your Free Application for Federal Student Aid (FAFSA). After your information is processed, and you’ve applied to the colleges of your choice, you’ll receive financial aid award letters in the mail with the results from each school where you were accepted.
Be aware of the impact of outside scholarships: If a student is awarded a private scholarship, the financial aid letter may list its effect on the amount of money offered by the school or in federal aid because the student’s financial need has already been partially covered. This could impact gift aid, loan amounts, or both.
14 Mountain View
Think about additional costs: Your financial aid letter may not include all of the costs associated with going to school. Think beyond tuition and make sure you have an idea of what you’ll be spending on housing, food, transportation, books, supplies, additional fees, and other living expenses. If you find the amount of financial aid provided isn’t enough, families may want to research and explore private student loans as an option to cover the additional expenses. Look for competitive interest rates and flexible repayment options that match your budget. Finally, if you’re still unclear about the terms and conditions of any college award letter, it’s important to reach out to the school to ask for clarification or discuss your options. You don’t want to leave any money on the table.
May 2017
Positive Advice It is difficult to pick just one piece of advice as ‘most meaningful’. However, with the uncertainty in the world, I find that advice that helps me maintain a positive attitude is particularly helpful. I turn to the Bible for my advice. Jesus’ words offer amazing teaching. His teaching has been adopted into many different cultures and religions. His teaching resonates with people throughout the world. Jesus said, “Be joyful in hope, patient in affliction, faithful in prayer.” (Romans 12:12) I appreciate the simplicity of this verse. Be joyful in hope. The statement alone reminds us that we do have hope. Even things that feel
Mountain View
Peace On Earth
hopeless, aren’t. Those with faith often experience greater hope. We know we are not alone and that help beyond what we can think or imagine is at work. Even people without faith hold onto a deep desire to believe that the worst is not permanent. Things will improve. This simple statement reminds us not to give up. Circumstances and people do change. We can think back to other times when hope has won out and we experience joy in our hope. Be patient in affliction. It is never fun to go through tough times. We all want them to end as quickly as possible. Holding onto the hope that situations are not permanent, gives us greater patience. We also have the benefit of hindsight. We know that our previous tough times improved. Practicing patience sure beats grumbling and complaining. Complaining accomplishes nothing beyond stealing our joy – and the joy of those around us!
Be faithful in prayer. 55% of Americans say they pray every day and 21% say they pray weekly or monthly. 20% of people who claim no religious affiliation say they pray daily. (1014 Pew Research Center survey) Prayer is essential in my life. I believe God truly wants us to bring everything to him in prayer. I’ve found that people facing tough times welcome prayer. It goes back to hope again. People consider that maybe, just maybe, there is something to prayer. Prayer increases our hope, our joy, and helps us to be patient. Prayer launches amazing activity in the heavens on our behalf. Be faithful in prayer and see if you don’t find greater peace. May 4 is National Day of Prayer. I invite you to a prayer service by Spirit Song church, hosted at Spirit of Hope church, 14403 N. 75th Ave., Peoria, at 6:00 p.m. Imagine the power of an hour of prayer and worship! For more information contact me at valerie@spiritsong.church. May this advice from Jesus bless you! Submitted by Rev. Valerie Fairchild, pastor of Spirit Song church in Vistancia
May 2017
15
Puzzles & Games Sudoku for May
Sudoku Solution
1
7
3
9
4
6
9
4
8 5 3
2
8
3
9
8
6
2
1
5
5
7
3
1
4
6
5 4 8 2 1 6 7
6 5 7 3 8 2 9
4 6 5 9 2 7 8
2 3 4 8 6 9 1
9 2 1 7 3 4 5
16 Mountain View
3
7
8
1
1
8
7
5
4
3
5
1
3
3
9
6
7
4
4
8
2 5
4
6
1
8
2
6
3
7
9
1
5
2
4
8
3
1
2
5
9
7
2
8
3
5
Numbers from 1-9 must appear only once in each row, column and box. Good Luck!
8 7
6
May 2017
USEFUL NUMBERS EMERGENCY SERVICES Emergencies (Police / Fire) Police Non-Emergency Fire Department Non-Emergency Fire Dept. (Snake Removal) Poison Control Center Rattlesnakes & Gila Monsters
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 602.861.1999 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
May 2017
17
Business Directory CONSULTING Estrella Partners Group
623.594.9283
FINANCIAL & LEGAL SERVICES Bergen Financial Group Chad Stanley Financials Signature Documents
800.915.2502 623.972.2344 623.974.2272
HEALTHCARE & BEAUTY Active Life Pain Center Alycan Design Medispa A Tender Dental Care Legacy Smiles Dentistry
623.535.9777 602.368.8413 623.937.1888 623.223.7589
18 Mountain View
Friedman Realty Associates Lake Pleasant Real Estate
623.476.2491 480.272.5158
RETAIL SERVICES
HOUSEHOLD SERVICES Dirt Busters House Cleaning General Exterminating Rise Above Remodeling The Window Cleaner AZ Younger Brothers Exterminating Younger Brothers Plumbing Zona Communications
REAL ESTATE
623.977.6725 623.977.2100 623.551.2013 623.738.6064 623.487.3147 623.487.3130 623.445.4555
Estrella Ordnance Foot Solutions Steel Shield Security Doors
623.262.2154 623.536.6676 623.977.3277
WORSHIP Spirit Song Church
623.824.1357
May 2017
Mountain View
May 2017
19
Your Trilogy, Vistancia and Blackstone Specialists.
Serving You with Integrity, Knowledge & Results Lana & Ted Friedman | Ted@BirdieGolfHomes.com | Direct: 623-986-0987
Ted Friedman, Designated Broker, REALTOR®, ABR, SRES, CNE, CDPE and Lana Friedman, REALTOR®, M.A., CNE, CDPE are dedicated, full-time REALTORS®. We established our Arizona real estate company in Vistancia in May 2005.
Thinking of selling your home?
Friedman Realty Associates established in Vistancia, May 2005.
FRIEDMAN REALTY ASSOCIATES’ NEW PRICE — NOW $494,500! Stunning! Rarely available & expanded floor plan!
Why your choice should be Friedman Realty Associates: • Complimentary Staging & Window Washing. • Full color ads in the Arizona Republic, Mountain View magazine, and Arizona Broadway Theater playbill. Professional photography & virtual tours. Ask us about our 3D tours. • Websites including Realtor.com, Homes.com, AZcentral.com, Zillow.com, Trulia.com, Craigslist.com as well as our own BirdieGolfHomes.com. • Social Media such as Facebook, Twitter, LinkedIn & Pinterest. • Open Houses, Full Color Brochures, RealtorTours and E-mail Blasts. • 5 licensed agents, all of whom live in Vistancia. • WE GET RESULTS – WE MAKE IT HAPPEN!
Genova, Shea l 2308 SF, 2BR+Den/2.5BA/2-Car Garage | Prepaid Leased Solar
FRIEDMAN REALTY ASSOCIATES’ RECENTLY SOLD
FRIEDMAN REALTY ASSOCIATES’ NEWEST LISTINGS
12768 W. Desert Vista Trl — Trilogy
20-inch tile throughout!
Upgraded perfection throughout!
Tastefully upgraded! 12783 W. Bajada Rd — Trilogy
Paver patio & unique $394,900 park-like setting! 13055 W. Alyssa Lane — Trilogy
SE OU LL R ER ! Sold Price:
Close proximity to Kiva Club!
List Price:
$280,000
Montis, Shea l 1656 SF, 2BR+Den/2BA/Ext. 2-Car Garage | Sold Date: 4/7/17 | List Price: $284,900
Civitas, Shea l 2193 SF, 2BR+Den/2BA/Extended 2-Car Garage
20-inch tile throughout!
Thanks to all who participated in our March Shred Event! Participants generously donated $462 to St. Mary’s Food Bank. Each dollar donated makes 7 meals; together, we donated
3,234 meals!
List Price:
Exterior gas fireplace! Deep backyard! 30041 N. 129th Avenue — Trilogy
$310,000
St. Tropez, Shea l 1438 SF, 2BR/2BA/2-Car Garage | Prepaid Leased Solar
Your Neighborhood Real Estate Company…with Global Reach
20 Mountain View
May 2017
If your home is currently listed for sale, this is NOT intended as a solicitation for business.