Life On The Rim
April 2018
1
Heber-Overgaard Chamber of Commerce 2774 Hwy. 260 - P.O. Box 1926 Overgaard, AZ 85933 928-535-5777 www.HeberOvergaard.org Facebook: “Heber Overgaard Coc”
2 Life On The Rim
April 2018
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 2010-2018 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
Al Uretsky Publisher & Sales Exec
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Life On The Rim
April 2018
3
From Me To You... Welcome to the April edition of Life On The Rim magazine!
During a recent conversation with my Mum I found out that my childhood home is up for short term rent. For the next 6 months I could rent my memories. Let me tell you it was very tempting. Due to the location of this house it would probably cost more to get there than it would to rent, and I really could not take advantage of it this year as my summer is ridiculously overbooked already. Plus it is unfurnished and England in the summer is not exactly comfortable to start with. But still. It made me think, can you ever really go home? I flipped through the online pictures and immediately a sense of outrage overtook me. They had cut down nearly every tree that had surrounded my home. The cherry tree that I lay under reading Tess of the D’Urbervilles - gone. The oak I learned to climb and hide in - gone. The broad limbed beauty my siblings and I built a tree house in - gone. What else had changed? Well it seemed they had removed one bathroom only to relocate it on the opposite side of the house. Why? Beats me.
In the kitchen there was an addition. A stove. Do people not know how to use an Aga anymore? Even if you don’t know, you can learn. One of my fondest memories was cooking pancakes on the griddle of that Aga. Sure it could be tricky cooking a cake in an oven that was powered with coal but where is your sense of adventure? I noted that with an energy rating of ‘F’ they had not decided to improve the heating or insulation in the house. Now that I could have got behind. Every room had a fireplace to provide heat, and for that reason I can now win the fire starting challenge if I ever make it onto Survivor. Also the eaves over my sister’s bedroom would collect snow every winter, only to release it in a beautiful waterfall in the spring. In front of her doorway. Inside. I am guessing that may still be a problem. Despite all these glitches it is still the home I grew up in and it holds a special place in my heart. The indoor shutters are still there - 19th century insulation at it’s best. The amazing staircase that wraps around the outside of the entrance hall reminds me of decorating trees at Christmas. And sliding down the bannister, to my parent’s horror. The long driveway where I learned how to use a stick shift and had the horrible job of shovelling when it snowed still winds past fields and around the front of the house. Yes, the house has changed but my home is still there, peeking out behind the improvements that subsequent owners have made. Anyone want to go in on a temporary house share with me?
Catherine Uretsky
Editor, Life on the Rim magazine info@estrellapublishing.com 623.594.9283
4 Life On The Rim
April 2018
Money Matters
Every month, you pay your mortgage. And, depending on your circumstances, you may be able to afford to put in additional payments – perhaps sizable ones. But should you? Or, if you really have the extra money, should you invest it? Initially, you might think it would be quite nice to rid yourself of that mortgage sooner, rather than later. But is it really the burden it seems?
Actually, you get some real benefits from a mortgage. It certainly provides something of great value to you – your home. If you got your mortgage – or refinanced your home – within the past decade or so, you are borrowing money at a pretty favorable interest rate, by historical standards. And even assuming a mild rate of inflation, such as we’ve had for the past several years, you’ll essentially be paying off your mortgage with cheaper and cheaper dollars over time. Plus, your interest payments may well be tax deductible. So, given these advantages, an argument could be made that you should be in no hurry to pay off your mortgage. Still, you might be tempted to make the extra payments because you’ll be building home equity. After all, isn’t this equity valuable? It is – to a degree. The larger your home equity, the more money you’ll get to keep when you eventually sell your home.
Life On The Rim
Also, if you were to experience a temporary job loss or some other financial emergency, your home equity might not help you much; if you’re not working, you could even have trouble getting a home equity loan. Conversely, your investment portfolio can offer you greater liquidity, depending on your specific investments. Most investment vehicles, such as stocks and bonds, generally can be sold quickly, without much difficulty. (Keep in mind, though, that if you were forced to sell investments when their price was down, you could take a loss on the sale.) Clearly, you could gain some advantages by using any extra money to invest, rather than paying down your mortgage. Nonetheless, you may simply get emotional and psychological satisfaction by speeding your progress toward the day when your house is paid off – and that type of satisfaction certainly has value. You’ll need to weigh these intangible factors carefully in deciding whether to increase your investments or make extra mortgage payments – because, ultimately, you need to feel that you’re doing the right thing, for the right reasons.
Submitted by Wayne Polk, of Edward Jones Investments
Straight talk from someone who knows you Sound financial advice means only making recommendations that line up with your goals and risk tolerance. Thoughtful guidance: It’s how we make sense of investing.
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But in the meantime, that home equity may be less useful than you might imagine. For one thing, just building more equity won’t make your home more valuable – it will rise (or fall) in value along with whatever’s happening in the housing market. By contrast, you could take the extra money and buy more shares in an investment such as stocks – and the more shares you own, the more
valuable your investment will be if the price per share rises.
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April 2018
5
MS tried to
silence me.
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PML survivor. Mom. Diagnosed in 2000. Explore powerful stories of people doing whatever it takes at nationalMSsociety.org/ kim
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April 2018
Digital Payments Modern digital technology has replaced landlines, television antennas, VCRs, CDs and many other things that were once part of our daily lives - and the next thing to go may well be cash. A few years ago, the idea that we would no longer use cash would have seemed outlandish, but it’s happening right before our eyes. A 2016 Gallup poll found only 24 percent of Americans made all or most of their purchases with cash, compared to 36 percent five years ago. Plus, according to a recent U.S. Bank Cash Behavior Survey, more consumers say they prefer the use of digital apps to make payments versus cash.
up to use P2P payments, the experts at Early Warning Services offer three ways to be “Money Smart” in a Digital World:
* Speed - When rent is due, or someone’s birthday is coming up, time and money are critical! Don’t send money that will take days to get to someone or could get lost/stolen at the post office. With Zelle you can safely send money, typically within minutes when both parties are already registered. * Simplicity - Using P2P makes it easy to send money to friends and family with a bank account in the U.S. - whether you’re using your banking app on your phone or the online banking portal on your laptop, you can pay friends back or request money from family wherever you are and without ever looking for an ATM. * Safety - Make sure you only send money to people you know and trust, and make sure you type in their phone number or email address accurately when you send funds. By only sending money to people you’re already familiar with, you help to mitigate your chances of falling victim to scams.
Digital payments, specifically person-to-person (P2P) payment technologies, have made it fast, safe and convenient to send and receive money from a mobile device. Where once people exchanged cash, they are increasingly sending money to one another via P2P technology services like Zelle(R), which connects the nation’s leading financial institutions to enable consumers to send fast payments to friends, family and people they trust. If you haven’t already joined the 100K consumers, on average a day, who are signing Life On The Rim
Are the days of wrinkly dollar bills and trips to the ATM over? Maybe, maybe not - but as more people switch to mobile payments, the convenience, security and ease will revolutionize the way people exchange money.
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April 2018
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Ask A Pharmacist There’s no denying that prescription drug coverage and medications can be complex territory. Enter UnitedHealthcare Medicare & Retirement’s Chief Pharmacy Officer Mike Anderson, PharmD, who has spent his career navigating the ins and outs of the Rx world.
Below, Anderson answers some common questions people ask about drug coverage and prescriptions. Q. How do I know if my prescriptions are covered by my Medicare plan? A. Whether you get coverage through Medicare Advantage or a standalone Part D plan, each has a formulary, a list of prescription drugs covered. You’ll want to look closely to make sure your medications are covered. Health insurers post plan formularies online, or you can call your plan to request a printed version. Keep in mind that plans can change from year to year, so don’t assume that prescription drugs covered this year will always carry over. Q. How can I save money while remaining on my medications? A. There are many ways to do that: Home-delivery pharmacy benefits can save money and a trip to the pharmacy. Some mail-order pharmacies offer the convenience of ordering a three-month supply of drugs delivered to your home for less than purchasing at a retail location.
step that could save money. If you are taking brand-name medications now, discuss generic alternatives with your doctor.
Q. Can I split my pills in half? A. Talk to your doctor about whether pill-splitting for your medication is medically advised. Also, consult your pharmacist on whether the actual pill form presents risks. Some pills are dangerous when split, because splitting affects how quickly the drug is released into your body. Other pills become ineffective when split, because the pill contains a coating to protect it from stomach acid, and splitting the pill breaks that coating. Q. I take a lot of pills daily. One I take three times a day. Some I just take once. I get busy and forget to take my pills. Can I just take them all in the morning? A. It’s important to take your medicine as your doctor prescribed it. Some medications need to be taken at specific times to be effective. Plus, taking all your medications at one time can be dangerous as you run the risk of potential adverse interactions, side effects and even overdosing. If you have concerns, talk with your pharmacist.
If you prefer to visit a pharmacy, check if your plan offers programs or preferred pharmacy networks to help you save on prescriptions. Switching to generic drugs or drugs on a lower tier of the formulary is another 8 Life On The Rim
April 2018
Life On The Rim
April 2018
9
Life As A Caregiver
so I kissed her and said goodbye.
Putting our precious cargo in the caring hands of others is exactly the I knew the day would come when I could no right thing to do as Alzheimer’s patients decline. longer care for my mom in the manner it took to These professional caregivers are emotionally rekeep her comfortable. I knew it because I had moved from the horrible reality of the disease and read about it over and over. I knew it because can care for our loved ones efficiently and without the support group I attend spoke about it. I knew hesitation. The constant reminder of how mom is it because that is the progression of Alzheimer’s declining surrounds me mentally but not visually disease. I knew it because all the people I know whose loved ones are victims of the disease have like it did when she lived here. That is the healthy experienced it. Here is a perfect example of logic ‘break’ that people speak about when warning family members who are caregivers…the ‘break’ and intellect colliding with emotion. I knew the from the visual picture we get of our loved ones in day would come….but when it did, I just couldn’t discomfort and decline 24/7…the frustration and believe it. sadness that we feel all of the time while trying to enjoy them. I delivered mom to her new care facility: I brought what little stuff she had from my casita, helped I continue to work on getting over the guilt and arrange her new room the way she liked, gave the powerless feeling of not being able to control her a big hug & told her I loved her with all my the situation. I am slowly getting my life back, but heart…and left. I wasn’t allowed to return for two it is a new life. Life with my mom in a care facility. weeks. It honestly felt like someone had socked The reality of this is that I will have to go through me in the stomach, but I also felt an enormous this loss again when she passes away. Hopefully, amount of relief. I will be stronger and better prepared. Hopefully. The kind people at her new home said their job was to take care of her…and MY job was to enjoy her. That sounded like a good plan. I could deal with that. So when the day finally came when I could visit her, I was so excited and anxious to see her. I came through the beautiful living room and found her sitting in the family room. Her face lit up when she saw me. It was wonderful. There wasn’t too much to talk about since she doesn’t remember much of what happens during her day, but we laughed and hugged….that was all we really needed. I left after about an hour…and would return in two days.
Submitted by Kathy Linton
That day wasn’t as positive. She was still in bed when I arrived in the afternoon because she was suffering from one of her horrible chronic headaches. But when I work her up, she was happy to see me. I could see the pain on her face, but she smiled and decided to have some lunch. So, they brought it to her and we sat together while she ate. Then she said she needed to lie down, 10 Life On The Rim
April 2018
Moments of Zen If you’re one of the many people who feel frazzled on a regular basis, you’re probably longing for a vacation or a day at the spa. Fortunately, there are plenty of easy ways to cut stress that you can sneak into everyday life. Here are five simple examples of how you can find your own moments of Zen today: 1. Take a 5-minute walk. Whether it’s getting fresh air or just getting yourself moving, a change of place and pace can reduce stress and give you a few moments to relax, especially during hectic times. For example, take a 5-minute break while dinner’s cooking to walk around the block or give your body a quick stretch with an at-home yoga session. 2. Find quick-and-easy solutions. If making dinner for your family seems like a daunting task, choose quick-and-easy options designed to take the hassle out of meal prep. The frozen food aisle is a great place to begin your journey toward finding your happy place in
the kitchen, so you can dedicate more time to doing the things you love, like spending quality time with your family.
3. Choose quality over quantity. Make the most of your time each day by being intentional with your activities. Whether it’s playing a new board game with the kids after dinner or watching a TV show with your spouse, small quality moments can help you relax and enjoy yourself and your family when at home. 4. Take time to reflect. Take those extra moments to reflect on everything you accomplished during your day or week. This will help give you a sense of pride and is a real confidence-booster. 5. Break from technology. Set down your phone, turn off the television and step away from all electronics. Just giving your mind a break from the active world of technology can reduce stress and help you mentally reset, especially during mealtimes, where being present is particularly important. Remember, the little moments are what make the biggest impact in life, and by embracing mindfulness, you’re setting the stage to be able to focus on what really matters.
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Life On The Rim
April 2018
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Positive Parenting What was your favorite childhood book? Chances are, you can come up with a title right away. That’s because books create powerful memories of stories and characters that inspire kids’ imaginations and will be treasured for a lifetime.
are small, it’s easy for many parents to create the nightly ritual of story time. Don’t stop just because they’ve started school and are reading on their own. Commit to sitting down every night to read together. Or, make reading into an event the
Unfortunately, some children grow up with limited access to books, meaning they’re unable to create those memories so many people take for granted. A lack of books in the home is also linked to lower reading scores and less success in school, according to research by the Family and Community Engagement Research Compendium. It’s clear that promoting literacy in your home and in your community are worthwhile investments of your time and money. Wondering where to start? Build reading into the routine: When the kids
whole family can enjoy by reading a chapter book out loud. When the kids see you reading books too, you set a great example. Ask questions: Asking children questions while you read together helps them develop critical thinking skills. For example, you might ask, “How is the family in this book like our family?” or “The girl in this book likes to swim. What do you like to do?” Give books as gifts: The next time you celebrate a holiday or child’s birthday, consider giving the gift of a book - especially a title or two that you loved growing up. Be sure to make time to read at least one of them together. It’s a great way to bond. Share, share, share: One way to spread literacy is to help make books more available in your community. Every year or so, go through your book collection with the kids and decide which titles should be given a new home. They can be donated to schools and public libraries, or given to other groups that make books available for free or little cost to young readers. Even better, when you buy a book, purchase a second copy to donate or give away.
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April 2018
Eat Healthier Start small. You don’t have to completely overhaul your diet in a day. Start with small things, like taking your lunch to work instead of eating out, cutting down on soda or getting a new cookbook of healthy recipes to inspire you.
Plan your meals. On the weekend, plan your breakfasts, lunches and dinners for the upcoming week, and then head out to the grocery store, and do your shopping so you’ll have everything you need on hand. Cook at home. When you eat out, even when opting for the “healthy” items on the menu, you could be getting hidden doses of salt, sugar and fat. When you cook at home, you can control exactly what you’re eating, down to the nutrient. It’s healthier for your pocketbook, too. Explore your health insurance discounts. Many health plans offer resources, discounts and incentives for leading a healthier life. Eat the rainbow. Colorful foods are packed with nutrients. Red foods help heart health and improve memory. Orange foods are good for your
eyes, yellow foods help with digestion and brain function, purple foods are powerful antioxidants and green foods are good for your eyes, musculature, bones and teeth. All fight cancers. And they’re pretty on the plate. Win-win! Slash the sodium. Lowering your sodium intake can help lower your blood pressure and get rid of water weight. But it’s not as easy as putting down the salt shaker. Sodium lurks in places you’d least expect it. Some surprisingly high-sodium foods: raw chicken (if it’s been pumped up with a solution), pre-cooked frozen shrimp (usually processed with salt), condiments like ketchup and mustard, smoked anything and cottage cheese. Watch your sugar. Too much sugar leads to weight gain, abdominal obesity, low HDL and high LDL, elevated blood sugar and a whole host of other problems. But like salt, sugar can hide in foods you might think are healthy, including instant oatmeal, jarred pasta sauce, smoothies, flavored yogurt and salad dressing. A good rule of thumb: Read the label, and if it has a double-digit sugar count, ditch it. Meatless Mondays! Going vegetarian one day a week is a great way to get more veggies into your diet. Swap the burger for a plate of grilled or roasted veggies drizzled with balsamic vinegar or a big, colorful salad. Just don’t pack on the refined carbs like white bread, pasta or potatoes in place of the meat. Eat anti-inflammatory, antioxidant-rich foods. Antioxidants protect your cells from free radicals, and eating foods rich in them slows aging, gives you healthier skin, a longer lifespan and reduces cancer risk. Berries, nuts and seeds, fish, olive oil, broccoli and green leafy veggies are antioxidant powerhouses. Practice mindful eating. Go all Zen with your food. Focus on what you’re eating, how you’re nourishing your body, and how much you enjoy the taste of the food. Eating at your desk, in the car or in front of the TV makes it more likely you’ll overeat.
Life On The Rim
April 2018
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Puzzles & Games
Sudoku for April
Numbers from 1-9 must appear only once in each row, column and box. Good Luck! Solution is on our website www.EstrellaPublishing.com
4
5
1
6 2
1
5
3
5
8
3
8 2 3
6
1
5
4
6
6
9
2
5
7 8
6 2
2 1
9
3
8
8
9
5
1
Sudoku Solution 8
9
3
7
5
1
6
3
2
5
7
4
1
2
9
8
4
6
4 2 6 1 9 8 5 7 3
3 1 7 2 4 9 8 6 5
6 9 4 5 8 3 7 1 2
5 8 2 7 6 1 4 3 9
2 4 9 8 1 6 3 5 7
1 5 3 9 7 2 6 4 8
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April 2018
7 6 8 4 3 5 9 2 1
Useful Numbers
Emergency Fire Dept Non Emergency Fire Dept Road Conditions
911 928.535.4346 928.535.4644 311
Chamber of Commerce
928.535.5777
Summit Clinic Summit Hospital
928.535.3616 800.300.0361
Post Office - Overgaard Heber
928.535.4765 928.535.4339
APS (Forest Lakes) APS (Snowflake) Arizona Water Heber Water Co. Navopache Electric Amerigas Northern Energy
928.474.2204 928.536.4602 928.535.4469 928.535.9116 928.535.4307 928.535.5123 928.535.4439
Apache Wildlife & Outdoor Recreation Arizona Game & Fish Navajo County Sheriff
928.338.4385 928.367.4281 928.524.4000 928.535.4611
Life On The Rim
April 2018
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Cabins Commercial Land Acreage www.PineRimRealty.com
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16 Life On The Rim
1973 Red Deer Run P.O. Box 461 Overgaard Az 85933
April 2018