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Well, we finally made it! As you read this, we will be days away from one of the most contentious elections this country has ever seen. Whichever side you are on, I sincerely hope you use your voice and vote on or before November 5th. It matters. You can be happy or sad at the final tally, but if you do not vote then you have no right to voice an opinion about the results.
As a UK citizen I am not able to vote in this country, but due to a recent rule change I was able to cast my vote for the first time in the latest UK elections. I cannot tell you how thrilled I was to finally be able to have a say in the future of my country.
I am always amazed at the people I talk to who say they don’t vote. They think their vote does not count. Or assume they know the outcome, so they don’t bother to go to the polls. I can tell you with certainty, that is not true. As Lenny Kravitz famously sang, “It ain’t over ‘till it’s over.”
Cast your mind back in time to the late 1990’s, a blockbuster movie was set to hit the screen — Titanic. I resisted the ads and trailers. Pushed back at the people who swooned over Leo and Kate’s love story. Mocked those who called it the best movie they had
seen in years. Why would I want to go to all the effort of driving to the theater, fighting the crowds, (remember when there were crowds at the movies?), pay for a ticket and watch something, when I knew how it would turn out? I knew that the boat was touted as an unsinkable vessel. I knew that there was a class war on board and that the majority of those saved were from first class. I knew that in the end the majority of the characters would die a horrible death — so why bother?
Well I eventually did see the movie and I was wrong about so much. It was a fantastic story, well acted, beautifully told and stunningly filmed. And I loved it. I cried my eyes out but it was worth the effort.
Do you see the parallel I am making here? I am not saying that the future of our country is as trite as a movie, but it is something you should make the effort to participate in. For your future.
As November ushers in milder temperatures across Arizona, it is the perfect time for seniors to enjoy outdoor activities with their beloved pets. This season offers a welcome respite from the scorching heat, allowing both you and your furry companions to savor the beauty of the desert landscape.
With daytime temperatures often hovering in the comfortable 70’s, November presents an ideal opportunity to explore Arizona’s numerous petfriendly parks and trails. Places like Papago Park in Phoenix offer scenic walks suitable for both older adults and pets. Remember to start with shorter outings and gradually increase duration as you and your pet build stamina.
Safety First
While the weather is milder, it is crucial to remain vigilant about your pet’s well-being.
Hydration
Arizona’s dry climate necessitates consistent hydration. Carry water for both you and your pet, even on shorter walks.
Paw Protection
Although cooler, some surfaces can still retain heat. Check pavement temperature with your hand before
walking your dog.
Wildlife Awareness
Be cautious of desert wildlife. Rattlesnakes, though less active, may still be encountered. Keep pets on leashes and stick to clear paths.
Indoor Comfort
As evenings cool down, ensure your home remains comfortable for your pets. Provide cozy bedding in the form of warm, soft spots in draft-free areas. Older pets may experience more joint stiffness in cooler weather, so consider pet-safe heating pads or consult your vet about supplements.
Seasonal Considerations
November in Arizona brings unique opportunities and challenges. With Thanksgiving approaching, be mindful of pet safety. Many holiday foods can be harmful to pets. Create a safe space for your pet during gatherings. Pets may also shed their summer coats, so regular brushing can help manage shedding and promote bonding.
By embracing Arizona’s pleasant November weather and following these guidelines, you and your pet can enjoy a season filled with comfort, adventure, and companionship.
Investing Wisely
The Stock Market Doesn’t Care About Your Politics
I once heard a definition on a podcast that the stock market is a gauge of rich people’s feelings. Hyperbolic, but cute. I’ve been emailed to “SELL EVERYTHING” the night former President Trump stunned the world and got elected, had others who refused to invest much in stocks because former President Obama was in office, and heard another regretfully admit that they moved entirely out of stocks under the current administration of President Biden. Historically, such predictive reactions, if translated into actual investment decisions, would not only have been inaccurate but also significantly hindered wealth accumulation.
Consider the following scenarios of investors with different political persuasions under the last three administrations:
• Let’s say in the midst of the financial crisis of 20082009 and right before Barack Obama’s election, you were 100% invested in the Dow Jones Industrial Average but pulled all of your money out because you were convinced that his liberal policies would damage the stock market. Over his two terms, you would have
• On the other hand, if you were on the left or simply a Never-Trumper and had been 100% invested in the S&P 500 index, but concerned with his character and policies, you sold everything when Donald Trump was unexpectedly elected, you would have missed an increase of 69.6% over the next four years.
• What if you had stopped investing in the S&P 500 upon Joe Biden’s inauguration because you believed what Trump said during the 2020 debate that experts predicted the market would crash if his opponent was elected? According to YCharts as of September 23rd, 2024, you would have missed a total return of 57.10%.
Lest we be biased over the short term, let’s zoom out even farther. Your primary concern as an investor should not be the President’s political influence on the stock market, but rather the power of compound interest over the long term. If you had invested $1,000 in the S&P 500 since Eisenhower’s inauguration only during Republican presidencies, you’d have $27,400; while if you had done the same in the same time frame under Democratic presidencies, it would be worth $52,100. If you had invested across all presidencies, the portfolio would be worth $1,430,000.
This might be worth remembering as we all get caught up in the coming election fervor. I have no idea how the stock market will perform if Donald Trump or Kamala Harris wins in November, and it might be best to avoid financial advisors and pundits who claim they do. What I have observed is that investing in American companies through both ups and downs has far exceeded partisan investing. By about a million dollars.
Submitted by Brandon Stockman, Wealth Advisor of Johnson Wealth Management
Open Enrollment
The Medicare Annual Enrollment Period (AEP) which runs from October 15 to December 7 is here, and with it comes a wave of changes that could make this year one of the most challenging yet for beneficiaries. But navigating AEP doesn’t have to be stressful. Here’s how you can prepare and make the most of this crucial time:
1. Review Your Current Plan
Start by reviewing your Annual Notice of Change letter, which arrives in September. It will outline key changes to your current plan, including costs, doctor, pharmacy networks and other additional benefits. Knowing these changes can help you decide whether your current plan still meets your needs.
2. Compare Your Options
Medicare Advantage and Part D prescription drug plans can vary significantly. Use this time to compare plans and assess how they meet your prescription needs, preferred doctor networks, medical facilities and budget. Doing so could save you money and ensure you’re getting the coverage that best fits your health and financial situation.
3. Use Available Resources
If comparing plans feels overwhelming, there are resources available to help. Platforms like eHealth provide easy-to-use tools that allow you to compare a wide range of plans from top insurance companies, both online and over
the phone. According to a recent study of 67,884 user sessions nationwide, eHealth found that Medicare Advantage enrollees who compared their current Medicare Advantage plan with available 2024 plans using eHealth’s platform could be saving an average of $1,100 per year on medical bills and prescription drugs with a lower cost plan.
4. Get Help from a Professional - For Free
Licensed insurance agents can provide personalized assistance at no cost to you. They’re knowledgeable about different plans and can help match you with one that suits your needs. An eHealth survey of more than 2,100 Medicare Advantage enrollees conducted in March found that beneficiaries who work with an agent feel more confident in their choice, with 66% feeling “very confident” in their plan selection. And remember, agents are paid the same for similar plan types and there is no obligation to enroll. Their goal is to help you find the best fit for you.
5. Don’t Procrastinate
It’s tempting to delay deciding, but waiting until the last minute can lead to rushed choices that may not be in your best interest. Schedule time early in the AEP period to review your options, consult with an agent if needed, and make a confident decision.
This year, tackle your insurance plan coverage with confidence. To learn more, compare plans and find help from a professional licensed insurance agent and benefits advisor please visit eHealth at www.ehealth.com or call 844-373-9751, TTY 711
The Doctor Is In
Ask Dr. Jen:
The #1 Ingredient for Success, Part 2
Last month, we talked about using lack of confidence as an excuse for lack of success. This month, we’re discussing where fear comes from and how to reframe it to get out of your own way.
Fear is a feeling, and feelings ALWAYS come from thoughts. Some people feel fear when they see a spider; others don’t. The difference is the thoughts that occur to them when they see the spider. Those thoughts lead to feelings, which then generate behavior in response to the spider. But fear is just a feeling, not a fact, and you have to learn to put a different feeling in its place: Confidence.
Fear happens when your brain plays tricks on you. It starts with your underlying self-limiting beliefs, which generate objections in your mind. You have to CHOOSE to see things differently. Instead of letting fear stop you, reframe it as “False Evidence Appearing Real.” Fear is a liar. Think about it: most of the things we worry about never actually happen.
Believe it or not, you were born with a decent amount of confidence. How do I know this? How did you learn to walk, talk, ride a bike and tie your shoes? You did those things because you had some level of belief in yourself that you could. Otherwise, you would have never even tried. Somewhere along the way, you lost some of your confidence. To overcome this, you have to change the way things occur to you.
The truth is we don’t have control over the thoughts that pop into our heads. For example, if I said to you, “Hey, I’ll give you $1,000 if you do NOT picture a pink elephant in your head right now.” What did you just envision? It’s the same with negative automatic
thoughts. They’re like unwanted guests: You may not be able to control when they pop in, but you can decide when they leave. It’s how we sort and dispose of our negative thoughts that makes or breaks us.
Tune in next month as we discuss how to tackle fear head on.
Have a question for Dr. Jen? Email it to AskTheDoc@ EstrellaPublishing.com.
DISCLAIMER: Material is for informational purposes and not intended to be a substitute for evaluation or treatment by a licensed professional. Material is copyrighted and may only be reproduced with written permission of Dr. Bellingrodt.
Submitted by Jennifer Paweleck-Bellingrodt, Psy.D. Licensed Clinical Psychologist
Cook With Zona
Maple Bacon Brussel Sprouts
Thanksgiving is a wonderful celebration, filled with traditions that bring families and friends together to enjoy what we love most of all…FOOD! While the star of the feast is undoubtedly the turkey, the side dishes often take a backseat, despite their crucial role in creating a memorable meal. These oftenoverlooked accompaniments deserve more recognition. This Thanksgiving, we’re going to shift our focus and make our side dishes a star! Our goal is to have your family and friends begging you to bring this dish to every family event in the future!
The combination of maple syrup and bacon is one of the most underrated pairings of all time. Your friends and family will be drooling over these brussel sprouts, so be prepared to forward them this recipe!
Ingredients
8 slices of thick-cut bacon
2 lbs brussel sprouts
⅛ tsp smoked paprika
⅛ tsp cayenne pepper
½ cup dried, unsweetened cranberries
¼ cup chicken stock
¼ cup maple syrup
Salt and pepper to taste
Steps
1. In a large cast-iron skillet, cook the bacon oven medium-high until crispy, 6 to 8 minutes. Remove the bacon from the skillet and drain on a paper towel-lined plate. Once cooled, rough chop the bacon into chunks.
2. Wash the brussel sprouts, trim the stem, and cut in half lengthwise. Remove any yellowed or blemished outer leaves.
If you have any recipes you’d like to share with your community email me at ArizonaCooks71@gmail.com to be featured in the magazine!
Prep time: 10 mins | Cook Time: 25 mins | Total time: 35 mins | Yields: 6-8 servings
3. Add the Brussels sprouts to the skillet, stirring well to coat with the bacon grease. Reduce the heat to medium and cook, without stirring, until the sprouts start to brown and caramelize, about 6 minutes. Stir in the salt and cayenne, and continue to cook until the Brussels sprouts are just tender, 6 to 8 minutes more.
4. Stir in the cranberries, chicken stock, and maple syrup. (If you don’t have a big sweet tooth, I recommend adding the maple syrup, little by little.)
5. Cook for 3 minutes, stirring to coat the Brussels sprouts. Add the cooked bacon and stir to combine. Serve immediately.
Enjoy!
We love to see our neighbors’ delicious creations, so send us a picture of your sweet and spicy Maple Bacon Brussel Sprouts or tag us on social media @EstrellaPublishing.
Legal Advice
WHAT A LEGAL WILL NEEDS
The Last Will and Testatement is the document that allows courts to re-title accounts and assets which are in your name (not a trust) and which do not have a beneficiary designation.
If you are leaving assets to adults (not minors), then you can use beneficiary designations and avoid probate. A Will is still a good idea to have as a backup for any account without a beneficiary; either because a beneficiary was not listed or a financial company lost the beneficiary designation.
If your spouse has children which are not also your children, the Will also can assure that your spouse’s half of the community property goes to you. Otherwise, intestate laws apply and your spouse’s children will be entitled to one-half of the community property and one-half of your spouse’s sole and separate property.
Be sure to keep your Original Will because a copy of the Will requires a formal court probate hearing to present evidence that the Original Will was not revoked.
Wills need two witnesses and a specially worded affidavit so the Will can be probated without a hearing. A handwritten Will does not need witnesses or a notary if all of the dispositive provisions are in your handwriting and all pages are originals.
Sharon Ravenscroft, M. Scott Rowan, Attorneys, The Cavanagh Law Firm, PA, Sun City and Phoenix offices, (623) 815-7451 or Sravenscroft@ CavanaghLaw.com; legal practice focused on Wills, trusts, probate and trust administration. For more information www.sharonravenscroft.com
Hear Hear!
Think about the last time you had your hearing tested. Was it recently? If it wasn’t and you find yourself turning up the television or straining to hear conversations in crowded rooms, it’s time to have an audiologist or hearing instrument specialist check your hearing.
According to the National Council on Aging (NCOA), by the time people reach age 65, more than 30% experience hearing loss, and that percentage only goes up as people age. The NCOA also reports nearly 30 million Americans could significantly benefit from wearing a hearing aid. That’s why HearingLife, a global leader in hearing care, has become USA Pickleball’s official hearing care partner to raise awareness about the importance of hearing health and the dangers of hearing loss. At select USA Pickleball events throughout the year, HearingLife is offering complimentary hearing assessments to attendees and players.
because these types of activities and exercises can actually help slow hearing loss. That’s why getting your hearing checked is so important. It’s a gateway to a more active, fulfilling life.”
Many people brush off hearing loss and don’t think about hearing as essential to health and longevity. Untreated hearing loss can lead to social isolation, loneliness, social withdrawal and even problems at work if you miss instructions or don’t understand coworkers. Worse, it can cause cognitive decline, memory problems and even increased risk of falls.
You care for your teeth by brushing twice each day and for your body by eating right and exercising. What about your ears? Here are some ways to care for your hearing, from the pros at HearingLife.
“Hearing loss can prevent people from doing activities they love, like pickleball,” said Dr. Leslie Soiles, HearingLife’s chief audiologist. “And it’s ironic
1. Mind your exposure to loud noises. Loved those packed concerts in your youth? We did, too. For the reunion tour, it’s wise to wear earplugs. That also goes for exposure to construction sites or loud machinery.
2. Monitor how long you wear headphones or earbuds. Turn down the volume of your favorite podcast or playlist, and don’t wear the ear devices for an extended period of time.
3. Get regular checkups. Visit your hearing care professional on a regular basis, especially if you notice worsening hearing loss or other symptoms such as ringing in your ears.
4. Manage chronic conditions. High blood pressure, diabetes and smoking can contribute to hearing loss. Managing those conditions and quitting smoking helps keep your ears healthy.
5. Keep active. The improved blood flow you get from exercise is great for your ears. Walking, cycling, canoeing, working out at the gym, all contribute to good hearing health. Why not take up pickleball?
Puzzle Time
This samurai sudoku puzzle is a great way to engage the brain and help develop logic skills. To solve this Samurai puzzle use standard sudoku rules for every 9x9 grid: each digit from 1 to 9 can only appear once in every row, column and 3x3 box. Solutions are on our website www.EstrellaPublishing.com
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