Life On The Rim
October 2017
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From Me To You... Welcome
to the October edition of Life On The Rim magazine!
People who know me well know 3 things about me. I am particular about my chocolate, I can’t order water in a restaurant - not because I don’t want it, but because I never get it. And I love to read. I don’t mean I enjoy a good book, I mean I LOVE to read. At one point I was a member of 4 separate book clubs at the same time and still read for pleasure in addition to those required books. I learn so much from books, things about my surroundings, things from the past, things that could be the future and how other people think. I immerse myself in books and they always become a part of my life at the time. For example, when I read about the Second World War I become more resilient, willing to find a way to make things work and last. I find myself considering darning socks and rationing the milk. Luckily for my family I usually resist the urge to use Spam in every meal - I guess that is one of those foods you need to grow up with to appreciate.
Here are some interesting facts from my reading of that time. Did you know that bananas were in such short supply in England during the war that one banana was auctioned off for the equivalent of $125! See? You are learning things already. My uncle was diagnosed with a vitamin deficiency and had a prescription for the yellow fruit. I am sure if he had been able he would have sold them as he hated bananas! What else was rationed? Nylon stockings. When the war redirected the product to make parachutes women took to using gravy to paint a look-a-like version on their legs, drawing a line down the back with an eyebrow pencil. My dog would have just loved that. The rumor about carrots being good for your eyesight was started by the British government during the war. The Royal Air Force had been using newly invented radar technology with great success. To misdirect the Germans the propaganda machine put out the story that the pilots were eating copious amounts of carrots to improve their eyesight at night. It is amazing what you can learn by picking up a book, or a magazine...
Catherine Uretsky
Editor, Life on the Rim magazine info@estrellapublishing.com 623.594.9283
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October 2017
Your Community Mortgage Lender “Our business is built on quality relationships and community involvement... the more we give, the more we get back!” Steve Glover
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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 © 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.
Catherine Uretsky Publisher & Editor Life On The Rim
Al Uretsky Publisher & Sales Exec October 2017
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4 Life On The Rim
October 2017
School Zone 3 easy DIY STEM projects To get started, visit https:// shop4-h.org/ to order an for kids
three basic steps: define, design and optimize.
If you’re looking for fun, handson STEM projects to do with your child, 4-H is a tremendous resource! 4-H utilizes exciting topics like robotics, rocketry, computer science and even electrical engineering to teach youth problem solving, creative and critical thinking, and build excitement for technology and STEM careers.
Project 3: Rockets to the Rescue Rockets to the Rescue is a competitive project, enabling youth to design and build a rocket that could be used to transport food and deliver supplies to disaster victims. This project, which is incredibly timely with major storms hitting the United States, teaches engineering concepts, math skills, nutrition and how to help solve a relevant, global issue.
Here are three exciting NYSD STEM projects that are so much fun, your child will think it’s playtime, not work time. Project 1: Incredible Wearables The FitBit and Apple Watch craze have inspired “Incredible Wearables” - the 2017 NYSD experiment. Designed by the University of Nebraska-Lincoln Extension, this project teaches students how circuits, sensors and health data can be blended with fashion to create a wearable tech product.
affordable kit that provides everything needed for up to eight kids to make their very own wearable fitness devices. These wearables can track heart rate, steps and more! Best yet, the kits are reusable so they can have fun building, designing and testing their tracker time and time again. Project 2: Drone Discovery For children excited by aeronautics and design, Drone Discovery enables youth to explore how drone engineering and remote sensing can be used to solve real-world problems, such as helping a community develop climate change resiliency and energy sustainability. To succeed in this challenge, youth need to think like an engineer as they design, build and test drones. There are many different kinds of engineers and different ways to approach a challenge. What kind of engineer do you think you’ll need to be to master drone technology? The engineering design process has
From simple building blocks to tackling science kits and constructing robots, there are plenty of STEM projects guaranteed to pique your child’s interest. Not only are you spending quality time with them having fun, but you’re also helping them learn critical STEM skills that will positively impact their future. To learn about other fun STEM activities, visit www. hughesnet.com/4h and www.4h. org.
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Life On The Rim
October 2017
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Be Safe Out There 6 simple steps to avoid distracted driving
Mobile phones have become an essential part of life for most people, helping them stay connected and increase productivity. However, this technology can also be a distraction when driving, which puts everyone on the road at risk. More than one-quarter of all car crashes involve phone use, both with handsets and handsfree, the National Safety Council reports. Considering many states and countries don’t yet compile and report data on cellphone use following a crash, this number is likely much higher. Distracted driving isn’t just an issue for young adults. High technology use means this is a problem across generations. For professionals in particular, the expectation to stay productive and reachable means a constant temptation to use cellphones when driving. Recognizing the ethical and liability issues that arise when employees drive while distracted, employers across the country have begun implementing distracted-driving policies. Typically, these policies prohibit
employees from using mobile phones while driving on company time.
In January 2017, the NSC reported that Cargill was the largest privately held company to prohibit the use of mobile devices, including hands-free technology, while an employee is driving on behalf of the company. Cargill’s Chairman and CEO David MacLennan just marked the one-year anniversary of following the policy. “I had to try the policy myself first,” says MacLennan. “Once I knew what it would take to go completely cellphone free in my car, I could then make it work for our entire company.” Based on his experience, MacLennan offers these six simple steps for anyone looking to eliminate distracted driving yet stay productive and responsive to your job. 1. Auto response Use a free automated response app to let callers know that you’re driving and can’t take the call. You can personalize the response so incoming calls or texts receive a text message saying you’re on the road. 2. DND If you’re driving a vehicle outfitted with communication technology, use its “do not disturb” feature to unplug from calls and texts while behind the wheel.
6 Life On The Rim
3. Block drive times Just as you schedule meetings, use shared calendars to block times you’ll be driving. This alerts anyone else connected to your calendar when you’ll be out of touch. 4. Out of sight, out of mind A study by AT&T found that 62 percent of drivers keep their phones within reach in the car. Put yours where you can’t see or reach it, such as in the back seat. 5. Pull over If you must take a call while on the road, let it go to voicemail and pull over in a safe location to return the call. Plan pull-over “cellphone stops” along your route if needed. 6. Avoid all distractions Cellphones aren’t the only cause of distracted driving. Eating, grooming and reading are activities people try to tackle while driving. Be smart and simply stay focused on the road. Driving safely should be everyone’s top concern when behind the wheel. These simple steps can make it easier to resist the temptation to pick up the phone or do another activity that can wait until you’ve arrived, safely, at your destination.
October 2017
Yum Yum 5 food trends impacting what, and how, we eat Today’s consumers market view their food choices with a more critical eye than ever before, and this pressure is placing higher expectations on food manufacturers, not only in terms of how consumers’ food is made but what it’s made from, where it’s sourced and how it’s delivered. To discuss these topics and more, investors, scientists and food makers recently gathered at the Future of Food Tech summit in New York City to talk about what’s behind the trends in food innovation and investment. Of all the topics discussed at the summit, these five key takeaways stood out the most. 1. Personalization is key From meal delivery services that customize meals for dietary needs to companies that create products tailored to an individual’s health, there’s no one-size-fits-all when it comes to food. In fact, today’s consumers are starting a movement toward personalization, which in turn is changing the way people shop. “The food industry is getting closer to the consumer,” says Raven Kropf, director of emerging
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customers with Cargill’s protein business. 2. Ethical production matters Consumers continue to seek products that align with their values and are responsibly produced. The same goes for investors looking to participate in the food industry. In fact, many investors today are choosing projects based on ideology and a drive toward ethical food consumption. 3. There’s growing interest in alternative proteins A burger made entirely from lab-cultured meat and sushi made from eggplant are just two of the innovations showcased at the summit. “There’s a lot of excitement around alternative sources of protein, but consumer acceptance is key,” said Dominique Harris, business development adviser for Cargill’s protein business. “We want to provide what consumers want, and in protein that means offering a variety of options. It doesn’t have to be either/or.”
Consumers want to know where their food comes from Imagine being able to trace any food product back to the field or the animal from which it came. That’s the potential promise of blockchain technology, which could essentially create a digitalized traceability system for food. From supply chain management to food safety, the potential for this technology is nearly limitless. 5. Food start-ups are on the rise As more entrepreneurs get into the food business, they’re looking for investors of all kinds. Likewise, traditional consumer packaged goods companies and ingredient suppliers are keeping their eyes on the newcomers for opportunities to connect. “I would encourage start-ups to seek out strategic partners in the food industry,” said Chris Mallett, corporate vice president of research and development at Cargill. “Together we can create and sustain a healthy ecosystem for innovation in the industry.” These five trends are grabbing 2017 by storm. As the calendar rolls toward 2018, it will be interesting to see what the future of food has in store.
October 2017
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Life As A Caregiver Being Normal...
I remember when my father was struggling through cancer. My mom used to say that one of the most frustrating things that would occur was when she’d ask him what he wanted for dinner, he’d tell her, she’d make it, and then he didn’t want it or wouldn’t eat it. He didn’t mean to be difficult, but in his case, it was the chemo that would change his taste and food often just didn’t taste good nor was his appetite normal. That would frustrate her terribly because there were so few things she could do to make him comfortable….she was hoping good food would be one. Food was also something she felt she could control as far as quality of life. But that was not the case. That same scenario happens for Alzheimer’s patients, as well. They often lose much of their appetite in the later stages of the disease. In my mom’s case, she still HAS a good appetite most of the time and will eat just about anything. But there are
those times when she says she’s hungry, I cook her dinner, and she only eats a tiny bit of it. It’s very frustrating to me at times, just like it was for her with my dad. So I have learned to try and let it go. Granted, there aren’t many things we can control about Alzheimer’s, and food is most always a positive element in someone’s life, but we just can’t always expect to get the reaction we hope for in serving their favorite foods. Now, I am generally a strong woman and am always busy. That has certainly been tested in moving to a brand new place as well as caring for my mom. But….stress, frustration, depression, and uncertainty has a way of sneaking up on you, and we don’t even see it coming. Which is exactly what happened to ME. About two years ago, I noticed that I seemed to cry for absolutely no reason. No apparent reason, that is. I knew the feelings I was having weren’t typical for me, even though I consider myself to be an emotional person. So I went
to the doctor to check it out. As soon as he walked into the room and I began explaining what I was feeling, I began to cry. That’s when he told me I was normal. He explained that the stress and the other above-mentioned things I was feeling often don’t impact a person right away. They build-up over time and when we start to feel more in control, that’s often when they hit us. I was experiencing what millions of women experience each and every day: performance anxiety. He prescribed a wonderful medication called Lexapro. My first response was: what are the side effects? He laughed and said that with the low dose he was prescribing there wouldn’t BE any side effects. I went home and took the first one. Within 4 days I felt much more in control of my emotions AND the tasks at hand. No side effects. Not one. I mentioned it to a few of my girlfriends and came to find out that THEY took it, as well. Wait. What?? You mean, I was trying to deal and cope with everything ON MY OWN when others had been much smarter and sought help much earlier than me???? So…the lesson here is this. Women are amazing creatures. We take on enormous amounts of challenges and work hard to balance all the pieces of our world. And if we even suspect a crack in our armor, we begin to freak out and beat ourselves up (which only compounds the situation) instead of asking for help! Asking for help is NOT a form of weakness….it is absolute strength! And very smart. And we are both!! Submitted by Kathy Linton, West Valley Resident
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October 2017
Money Matters 3 steps to help freelancers and gig economy workers avoid a tax blunder
track of all income earned and accurately report it to the IRS. That can get complicated when multiple income streams are at play.
More and more people are earning extra cash by freelancing in the sharing economy. That may mean writing on the side, playing music on the weekends, driving for ride-sharing services or selling handmade jewelry on Etsy. No matter how the money flows in, gig economy earners must be aware of the related tax obligations and potential pitfalls.
For example, gig economy workers who make money freelancing for multiple clients should track all income and expenses separately. That means keeping accurate records of any money paid directly by clients and keeping track of income reported on documents such as Forms 1099-MISC and 1099-K. These forms are issued when self-employment income exceeds $600 (1099-MISC) and when a contractor is paid through credit- and debit-card payment processors (1099-K). Come tax time, fill out a Schedule C for every company or client who has paid you to report all of the income you earned.
If you’re one of the 55 million Americans who chooses to freelance, it can be difficult to correctly calculate and report to the IRS how much tax you owe. Taxpayers who miscalculate taxes owed are likely to get a form called a CP2000 from the IRS. According to the agency, that form means, “the income and/ or payment information the IRS has on file doesn’t match the information on your tax return.” That could result in issues with your tax bill.
3. Make estimated tax payments The IRS requires independent contractors to file and pay taxes on a quarterly basis, even if you anticipate getting a refund at
Earning extra money from your freelance work or side gig may not make you feel like you’re selfemployed, but in the eyes of the IRS, you are. By planning ahead, getting organized and doing your own taxes with an affordable online option such as TaxAct, you can avoid tax missteps and stay focused on what matters most: earning income on your own terms!
At Edward Jones, we stop to ask you the question: “What’s important to you?” Without that insight and a real understanding of your goals, investing holds little meaning.
1. Get organized Whether you work full time and earn a little extra cash from a side hustle or you’re a full-time contractor, meticulous recordkeeping is a must. One option is to keep track of all business expenses and related receipts in one large folder.
Life On The Rim
As a rule of thumb, if you will owe at least $1,000 in taxes, you should plan to pay estimated taxes during the current tax year.
Investing is about more than money.
Tips to help freelancers get on track so they’re ready to tackle taxes head-on this tax season.
Contact your Edward Jones financial advisor for a one-on-one appointment to discuss what’s really important: your goals.
Wayne Polk, AAMS® Financial Advisor
www.edwardjones.com
Member SIPC
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2. Keep track of your income When you’re freelancing, you’re your own accounting department. Not only are you responsible for generating invoices and collecting payment, you must also keep
the end of the tax year. Use a tax calculator to help determine whether you should make estimated tax payments. You can also use Worksheet 2.1 in IRS Form 1040-ES, Estimated Tax for Individuals, to figure out whether you must pay estimated tax. Whatever method you choose, make sure you calculate adjusted gross income, taxable income, taxes, deductions and credits.
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October 2017
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Furry Friends My Experience with Dog Flu: A Dog’s Point of View Recently, I got really sick. I had just spent a fun-filled week with all my friends at doggie daycare while my family was on vacation. Shortly after they brought me home, I started coughing a lot. It was really hard to breathe and I started vomiting. I didn’t feel like eating anything and I was tired all of the time. I was miserable. One of my family members missed a couple days of work to try to nurse me back to health. One time we spent the whole night in the bathroom hoping the steam from the hot shower would help my nasty cough. I know it was hard for her as she has a busy job, but she was as scared as I was. When it was clear I wasn’t getting any better, my family decided to take me to my veterinarian, who ran some tests and found that I had contracted H3N2, a new strain of canine influenza, also known as dog flu. My family didn’t know anything about H3N2, but my vet said she was happy that they brought me in to see her. We were surprised to learn that even though a lot of people don’t know about it, H3N2 has been spreading rapidly across the United States since the first
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case was reported in 2015. My vet also shared that: * Social dogs like me, who go to doggie daycare, dog parks, groomers, or really anywhere that dogs, cats and humans come into contact with one another, are at the highest risk for exposure to and contracting dog flu * Because most dogs have no natural immunity to this highly contagious disease, nearly every dog who comes across it will become infected * H3N8, a relatively less intense strain of dog flu, has been in the United States for more than 13 years, but it can also spread very quickly, like the H3N2 strain * In most dogs, dog flu manifests as some coughing, a runny nose and a slight decrease in appetite and energy * H3N2 can also cause respiratory problems and vomiting, and serious cases of either strain can lead to pneumonia and even death in severe cases * The common kennel cough vaccine doesn’t protect against dog flu One of my favorite things in the whole world is running around and playing with my friends at doggie daycare and at the dog park, as well as when I go get my bath, haircut and nails trimmed. My vet told us that this was probably how I got sick. Because we can have trouble letting our families know when we’re not feeling well, people may
accidentally take contagious dogs out and about, inadvertently causing CIV to spread between dogs that come into contact. Even drinking out of the same water bowl or chewing on community dog toys can expose us to the disease. However, my vet told my family that because of how contagious the dog flu is and because it can be contagious for up to three weeks, it was important that I stay home from the dog park, groomer or doggie daycare for a while. I’m so glad my family listened to my vet-I certainly didn’t want to get any of my friends sick! When my vet gave us my diagnosis, she also said that there is no specific treatment or medicine for dog flu, so the best protection is vaccination. Most veterinarians recommend the dog flu vaccine. There is even a combination vaccine that helps to protect against both strains of dog flu, H3N2 and H3N8, which means one less shot for me! Before we left my vet, she told us about the If This Dog Could Talk: Tour to Prevent Dog Flu and we downloaded a copy of the new tour album, created in collaboration with Merck Animal Health and The Dogist photographer Elias Weiss Friedman. The album contains hundreds of beautiful pictures of dogs and shares important information with pet parents about the dog flu. My family and I had so much fun looking at all of the photos and sharing them with our friends-many of whom also had never heard of dog flu before. We all learned about dog flu the hard way, but hopefully you won’t have to! Visit dogflu.com to download the free album
October 2017
Home Sweet Home 5 tips to make family mealtimes more mindful The hectic workday is over. As you pull into your driveway, you feel relief because you’ve finally escaped the cranky co-workers, the deadlines and traffic jams. Now you can spend the next few hours relaxing at home with your family. What better way to enjoy this time than with a delicious meal together? Sometimes, the lingering stress can be hard to shake, especially if you’re in a rush to get dinner on the table. You can shed your stress and make this time together more meaningful. Consciously ease into the transition from work mode to family mode, and use these tips to make your evening meal more relaxing and mindful.
1. Take a breath. As soon as you get home, just take a few minutes and chill out. With deep breathing techniques - the kind that get your belly moving - you’ll lower your heart rate and feel much calmer. Sit in your favorite chair, soften your gaze and start those long, drawnout inhales and exhales, counting your breath if needed. Just by transitioning into this calmer state, you’ll set the right mood and standard for the rest of the evening. 2. Give the devices a timeout. Being mindful is all about staying in the present and following each action with intention and awareness. For now, while you’re preparing and eating the meal, put the devices out of reach - or in another room, if that’s practical. 3. Include the kids. With devices out of the way, it’s also much easier and more pleasant to focus on the people in the room. If your kids are hanging around the kitchen, take it as a sign they want to
Life On The Rim
be with you, so use this time to connect. A great way to do this is to include kids with the meal preparation. 4. Simplify your menu. Eliminate the stress of getting weeknight meals on the table, and build a list of delicious go-to meals that you can prepare with ease. 5. Slow down and savor the food. Give yourself a few moments for mindful eating. Before earnest conversation begins, put your focus on the food you’ve taken the time to prepare. Put down your fork, and pay attention to the flavors, the textures and how you respond to them. No matter how hungry you are, don’t rush. Mindful eating is all about pacing yourself and staying in the moment to experience the delicious meal you are eating. After a long day, you can make the evening meal more relaxing and enjoyable by bringing a mindful approach to dinnertime. When it’s time to eat, you’ll be in the right state of mind to enjoy your food, as will the people around you.
October 2017
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Senior Health Tips for choosing the Medicare plan that’s right for you For most seniors, the period between Oct. 15 and Dec. 7 is the only time they can switch or make changes to their Medicare insurance plan. Medicare is a government program designed to ensure people older than 65 have access to affordable health insurance. The Medicare program has four parts, according to Medicare.gov: A, B, C and D. * Medicare Part A helps pay for in-patient hospital stays, care in a skilled nursing facility and hospice care. * Medicare Part B helps cover care by doctors or other health care providers, outpatient services, some medical equipment and some preventive services. * Medicare Part C (also known as Medicare Advantage) covers everything included in parts A and B, and usually includes Medicare prescription drug coverage as part of the plan. Medicare Advantage plans may include extra benefits and services for an extra cost. * Medicare Part D helps cover the cost of prescription medications and is run by Medicare-approved private insurance companies. Most people think of Medicare parts A and B as Original Medicare, in which the government pays directly for the health care services received. Most people do not pay a monthly premium for Part A if they paid taxes while working; everyone pays a monthly premium for Part B, based on income. The standard premium for Part B in 2017 was $134 per month, which is deducted from the individual’s
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Social Security benefits. Original Medicare pays for about 80 percent of the total costs of health care. The patient is responsible for the remaining 20 percent. To offset the financial burden of that 20 percent, some people choose to purchase supplemental insurance, called Medigap.Private insurance companies offer Medigap to cover things Medicare doesn’t, such as deductibles, co-pays and co-insurance - but, keep in mind, Medigap only supplements Original Medicare benefits. Further, if you do not apply for Medigap in the first six months of becoming eligible, there’s no guarantee that an insurance company will sell you a Medigap policy. When choosing between Original Medicare and Medicare Advantage, you should consider these questions: * How likely is it your health needs will change down the road? Since health changes as you age, chances are your treatment needs will, too. If you don’t enroll in the additional insurance and drug coverage when you first sign up for Original Medicare, you may pay a monthly penalty for enrolling later and may not be eligible for additional Medigap coverage. * Are you still working past age 65? If so, you will probably want to enroll in Part A, because there generally are no monthly premiums, and it may supplement your employer’s
insurance plan. * Is it more important to you to have lower or no premiums or lower out-of-pocket costs? With Original Medicare, you may pay more out of pocket without supplemental insurance and prescription drug coverage. * How important is it to keep your doctor? Original Medicare is accepted by any doctor or hospital that accepts Medicare, without referral. Medicare Advantage plans allow you to select a doctor from the plan network, which is usually very large. * Do you regularly take prescription medication for chronic conditions? Prescription drug coverage is not included in Original Medicare, and if you fail to sign up for Part D at the time you enroll, you could pay a penalty for adding it later. Most Medicare Advantage plans do cover prescription drugs. Medicare Advantage allows patients to receive the care they need to stay well and keeps their budgets in check with set costs and annual maximums. To learn more about Medicare, visit www.Medicare.gov.
October 2017
Puzzles & Games
Sudoku Solution
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October 2017
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Business Directory BUSINESS & LEGAL SERVICES ACEA Accounting Allstate Insurance - Peter Zipp CNN Mortgage Estrella Bookkeeping Estrella Partners Group Edward Jones - Christopher Carlton Edward Jones - Wayne Polk Kramer & Kramer Estate Planning Mahoney Law Office Richard Tax Service
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October 2017
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