Estrella Publishing - Life On The Rim magazine
May 2018
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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”
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May 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. Some content is provided by Brandpointe. 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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May 2018
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From Me To You... Welcome to the May edition of Life On The Rim magazine!
I am dedicating this issue to all the mothers I know, all the mothers I have not yet met, and all the mothers I wish I could meet again. May is the month where we think of flowers and sunshine and Mothers’ Day. A holiday that honors the women who try to put their children first, even when it seems too much. Because motherhood is hard. It is painful. It is lonely. It is isolating. It also brings the most unimaginable love and connection. A sense that you will move mountains for this tiny creature that has been placed into your arms. A desire to do better, to be better. I remember the morning after I brought my first child home. I woke with a heart full of happiness and love. And a creeping dread. A sense of hopelessness and futility. Who decided that I could be responsible for a human being? Who decided that I knew enough to keep her alive? Where was the manual? They sell you a car with reams of paperwork on how to do everything to keep this machine running. A baby? Nothing. Then there was the feeling of being trapped inside a prison of my own making. I wanted this child. I carried this child. I made this child. And now I am stuck with her. My husband got to keep
being himself. He got to go to work and leave the house and the never ending piles of laundry. I was forever chained to this tiny being who relied on me for everything. No matter how much you prepare for the life of a parent, this is what hit me the most. My life was no longer my own. If you are lucky you have family around to help and guide you. Groups of mothers to join and talk to. Someone to let you know you are not alone. That other mothers feel this way too. That it is OK to founder. If you don’t have that then find it! In the age of the internet it is easier to find groups to talk to but I got the best support and help from a group I met in person. I had moved to a new town with my two children and husband in tow. We were adults now. We had jobs and a mortgage and reliable cars with car seats. But it was lonely. I found an ad in a local paper for an open house at ‘The Mothers’ Center’. The decision to go was one of those moments people talk about. The moment I found my people. The Mothers’ Center was a community of women supporting each other. We had discussion groups where members were free to tell our lives to and learn from each other. With no recriminations, no judgement, only truth and support. There were rules, of course. Do not judge. Speak from the I. Do not tell others what was divulged in this place. Simple requests, but ones that allowed us to be free and cared for. On this Mothers Day I encourage all of you to reach out to a mother you know. Offer her support, friendship, a non-judgemental ear. Perhaps even offer to help with the laundry.
Catherine Uretsky
Editor, Life on the Rim magazine info@estrellapublishing.com 623.594.9283
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May 2018
Money Matters Mother’s Day is almost here. If you’re a mother with grown children, you might receive flowers, candy, dinner invitations or some other type of pleasant recognition. However, you might find that you can get more enjoyment from the holiday by giving, rather than receiving. The longestlasting gifts may be financial ones – so here are a few moves to consider: Contribute to your child’s IRA. If your children have earned income, they are eligible to contribute to an IRA, which offers tax benefits and an almost unlimited array of investment options. You can’t contribute directly to another person’s IRA, but you can write your child a check for that purpose. This could be a valuable gift, as many people can’t afford to contribute the maximum yearly amount, which, in 2018, is $5,500, or $6,500 for those 50 or older.
“owners” of these companies, and if they weren’t that familiar with how the financial markets work, having these shares in their possession may greatly expand their knowledge and lead to an even greater interest in investing.
Donate to a charity in your child’s name. You might want to donate to a charitable organization that your child supports. In years past, such a donation might have earned you a tax deduction, but the new tax laws, which include a much higher standard deduction, may keep many people from itemizing. Still, it’s possible for a charitable gift to provide you with a tax benefit, depending on your age.
Review your estate strategy. Like virtually all parents, you’d probably like to be able to leave some type of legacy to your children, and possibly your grandchildren, too. So, if you haven’t already started working on your estate strategy, consider using Mother’s Day as a launching point. At the very least, you’ll want to write your will, but you may need much more than that, such as a living trust, a durable power of Give gifts of stock. You know your children attorney and other documents. And don’t forget pretty well, so you should be familiar with the to change the beneficiary designations on your products they buy. Why not give them some life insurance and retirement accounts if you’ve shares of stock in the companies that make these experienced a major life change, such as divorce products? Your children will probably enjoy being or remarriage. These designations are powerful and can even supersede whatever instructions you might have left in your will. As you Straight talk can guess, estate planning from someone can be complex, so you almost who knows you certainly will want to work with a legal professional to get your Sound financial advice means only making arrangements in order. recommendations that line up with your goals and risk tolerance.
Thoughtful guidance: It’s how we make sense of investing.
Wayne Polk, AAMS® Financial Advisor
MKT-9650-A
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www.edwardjones.com
Member SIPC
4252 N Verrado Way Suite 202 Buckeye, AZ 85396 623-386-2821
Estrella Publishing - Life On The Rim magazine
Mother’s Day is a good opportunity for your children to show their love for you, and you can do the same for them by helping bolster their long-term security through financial gifts and legacy planning. Submitted by Wayne Polk, of Edward Jones Investments
May 2018
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MS tried to
silence me.
But
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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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May 2018
Spring Digging Call 811 before digging for home improvement projects and landscaping this spring With spring having officially begun, many eager homeowners and landscape professionals across the country will roll up their sleeves and reach for their shovels to start projects that require digging this season. During the transition into “digging season,” Common Ground Alliance (CGA), the organization dedicated to protecting underground utility lines, people who dig near them, and their communities, reminds homeowners and professional diggers that calling 811 is the first step toward protecting you and your community from the risk of unintentionally damaging an underground line. Every digging project, no matter how large or small, warrants a free call to 811. Installing a mailbox or fence, building a deck and landscaping are all examples of digging projects that should only begin a few days after making a call to 811. Calling this number connects you to your local one-call utility notification center. According to data collected by CGA in a phone survey in February, millions of American homeowners will likely do DIY projects involving digging this year, but 36 percent of them do not plan to make a free call to 811 before digging. A utility line is damaged every nine minutes in America because someone decided to dig without making a call to 811. Unintentionally striking one of these lines can result in inconvenient outages for entire neighborhoods, serious harm to yourself or your neighbors, and significant repair costs. CGA offers the following tips to make sure you complete your project safely and without any utility service interruptions, so you don’t become a statistic. Estrella Publishing - Life On The Rim magazine
Here’s how the 811 process works:
1. One free, simple phone call to 811 makes it easy for your local one-call center to notify appropriate utility companies of your intent to dig. Call a few days prior to digging to ensure enough time for the approximate location of utility lines to be marked with flags or paint. 2. When you call 811, a representative from your local one-call center will ask for the location and description of your digging project. 3. Your local one-call center will notify affected utility companies, which will then send professional locators to the proposed dig site to mark the approximate location of your lines. 4. Only once all lines have been accurately marked, carefully dig around the marked areas. There are nearly 20 million miles of underground utility lines in the United States, which equates to more than a football field’s length of utilities for every person in the U.S. Your family depends on this buried infrastructure for your everyday needs including electric, natural gas, water and sewer, cable TV, high-speed Internet and landline telephone. With that much critical infrastructure underground, it’s important to know what’s below and call 811 before digging. To find out more information about 811 or the one-call utility notification center in your area, visit www.call811.com.
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May 2018
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Campfire Safety A campfire can be one of the best parts of camping, or provide necessary warmth to hunters and other outdoor enthusiasts. Just don’t forget your responsibility to maintain and extinguish it to prevent wildfires. 1. Never cut whole trees or branches, dead or alive. Live materials won’t burn and dead standing trees — called “snags” — are often homes for birds and other wildlife. 2. Once you have a strong fire going, add larger pieces of dry wood to keep it burning steadily. 3. Don’t burn dangerous things like aerosol cans, pressurized containers, glass or aluminum cans. They could explode, shatter and/or create harmful fumes or dust.
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4. Keep your fire to a manageable size. 5. Make sure children and pets are supervised near the fire.
6. Extinguishing Your Campfire. Allow the wood to burn completely to ash, if possible. Pour lots of water on the fire. Drown ALL embers, not just the red ones. Pour until hissing sound stops.If you do not have water, stir dirt or sand into the embers with a shovel to bury the fire. 7. With your shovel, scrape any remaining sticks and logs to remove any embers. Make sure that no embers are exposed and still smoldering. 8. Continue adding water, dirt or sand and stirring with a shovel until all material is cool. 9. Remember: If it’s too hot to touch, it’s too hot to leave www.SmokeyBear.com
May 2018
Biz Check Up When tax season rolls around, you’re already taking a deep dive into your expenses and income for the past year. Don’t stop when you file. With all that information at your fingertips, it’s a great opportunity to take a big-picture look at the health of your business and make sure it’s running as efficiently as possible. Use the following tips to boost your cash flow in the upcoming year.
Dust off your business plan: No doubt when you started out in business, you were eager to put your vision to paper. Most entrepreneurs get busy with the day-to-day pressures of deadlines, and that vision can recede into the background. Schedule some time with your board members or business partners to revisit and update the business plan. Now that you understand the realities of your market, you should have plenty of ideas on creating the 2.0 version of your enterprise. When finished, it’s important to not allow it to gather dust again. Update your budget: The nature of entrepreneurship is being agile in the face of change. Market trends, price changes from vendors and suppliers, effects of new laws and ordinances, even road construction are variable forces that can send anyone’s budget into a
new direction. If you stay on top of it, you can spot the trends early and make adjustments right away so you can reap the full advantage - or head off problems before they become unmanageable. Check your credit score: If you’re planning to raise capital to expand or make improvements in the next year, checking in on your credit score is an important first step you can take before you apply for the loan. Even if you have a business credit score, certain business loans still require a look at your personal credit score, especially if you’re a sole proprietorship. Create a tax strategy: The tax break Congress passed in December will save small business owners 20 percent on their tax bill this year. In the coming year, small business owners have many opportunities to capture more tax savings with the right plan and strategy. Have a meeting with your accountant to discover more ideas. Pay down debt: One way to use the windfall of your 20 percent tax savings is to pay down revolving loan debt. Doing so is a great way to raise access to working capital should you need it down the line. Depending on the source of credit, reducing your credit-to-balance ratio is one factor that could raise your credit score. Before you do so, make sure you have enough cash flow to meet your expenses. Improve accounts receivable: If your business extends lines of credit to your customers, it may be worthwhile to implement a credit check policy on all new customers. Knowing they’re creditworthy before the fact can help you create the appropriate plan for them and protect your business. Credit reporting is also an effective way for even a small business owner to let customers know they are serious about collecting what’s owed. In the end, you’ll get paid faster and increase cash flow. The life of an entrepreneur means things can change drastically on a dime. A thorough checkin with your finances can put you in the best position for success.
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Life As A Caregiver It has been close to two months since I placed my mom in her care facility, but it feels like so much longer. Certainly a lot of adjustments. The biggest one for me has been looking at life without her. That realization takes on many elements: the huge change to my family unit, my own mortality, what the disease may bring to ME, and being so thankful for my mom’s relationship & memories. But it is also about freedom. MY freedom from the 24/7 caregiving responsibilities I had dedicated to her for the past four & a half years; the permission to feel that freedom and relief; and the reality of being able to take back my life.
But for now, it is mostly about dealing with the disease and the toll its taking on my mom. Our visits are very different now and they seem to diminish each time. I am told she yells at and hits the staff when they proceed to give her a shower. She is now in a wheelchair which moves her from place to place. The staff feeds her instead of her feeding herself. They have explained her behavior this way: it is the disease taking over by allowing her brain to ‘relax’ from the pressures to keep up with the daily tasks that are considered normal behavior (conversing, feeding oneself, response). She is now accepting to let people take over those tasks for her. But by the same token, she is angry that she is unable (or unwilling) to perform things on her own and having people tell her what to do (showering, eating, going to the bathroom, etc). It’s just so sad.
She wasn’t interested in eating the rest. She doesn’t remember my dog at all when I show her pictures…and they spent all day, every day together. I don’t say this to make you sad…. although it is tragically sad. I say this so that you can be somewhat prepared for the next step. Our next step came very quickly. It is like night & day to see the decline in just eight weeks. Seeing how sad I was coming from a recent visit, a friend of mine asked me why I go. Was it for my mom or was it for me? Excellent question. I think it’s a little of both. I want her to know that I am here and with her, somehow making her feel more secure and at peace and not alone….although I doubt it does. And I guess I do it for me…to ease the guilt and frustration of not being able to DO anything to fix this nightmare. Intellectually, I know I have done all that I could being an unskilled caregiver. But emotionally, it just isn’t enough. So I go to help ease the pain for both of us. Unfortunately, I’m losing that battle.. Submitted by Kathy Linton
Sometimes when I visit, she barely knows me. Other times, not at all. She doesn’t eat much, even when fed, so she has lost weight. She hardly engages in conversation anymore. I brought her a CD player and some of her favorite CDs so she could listen to music. She seemed to like that….but not that much. I brought her some of her favorite cookies and she took two bites. 10 Estrella Publishing - Life On The Rim magazine
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Going It Alone From millennials who have been grinding away in the workplace for a few years to Gen Xers looking to move out of their cube, many have been intrigued by the possibility of freelancing. It means the freedom to set your own hours, to work closely with clients, to be your own boss and have greater control over your career. Whether you’re looking to start out or refresh your personal brand, homeworking experts cite five important tips to help you succeed at the freelance game.
1. Manage your time. One of the best parts, and the most challenging parts, of freelancing is that you get to make your own schedule. Many find that they need some sort of structure in their day, and for this reason it’s important to have the right time management software. This will notify you of calls, deadlines, track how long you work on a project and more. 2. Get the right laptop. A laptop is your office, your meeting room, your library, your entertainment source and so much more, making
it one of the most essential freelancing tools. It’s the lifeline between your business and your clients, so it’s critical to be sure you have the right one.
3. Use professional email and social media accounts. This will make you appear more professional to prospective clients. You should also set up work-related social media accounts where you can post examples of work and professional insights and network. 4. Keep track of finances. For a lot of freelancers who are on the creative side of things, keeping track of finances can be a real challenge. Not only do you have to manage invoices, expenses and make sure you’re getting paid, you also have to keep taxes in mind. 5. Find the right space. While freelancing is largely a digital game, and requires the right laptop loaded up with the tools you need to manage your business, you still need to find the right place to work. It’s vital to figure out where you do your best work. The right software, running on the right computer, and a place you can work are the cornerstones of a successful freelance gig. From there, all that’s needed is your talent and determination!
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May 2018
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Positive Parenting Even though many Americans understand the importance of STEM education, children in the U.S. continue to lose interest in science, technology, engineering and math subjects at young ages.
“Many educators in our country believe we need to accelerate our approach to STEM education,” Moss says. “There are three to four million STEM job openings in the U.S. right now, and companies can’t find American workers with the skills they need. Fifty percent of everybody’s jobs right now are STEM, and they’re predicting that in the next 10 years about 75 percent of all jobs will involve STEM.” What can parents and educators do to foster more interest? Consider the following:
* Find role models. If a child doesn’t know anyone working in STEM, he or she may be unable to imagine a career in such roles. Introduce him or her to people actively working in such fields, then encourage discussion and/or job shadowing. * Seek achievement opportunities. Introducing children to engaging events like the annual Discovery Education 3M Young Scientist Challenge may spark their sense of competition and passion for STEM. The top 10 finalists receive a summer mentorship with a 3M scientist, and the winner will receive $25,000. * Keep participating. Reducing involvement in your child’s daily academics once he or she enters middle school may backfire. One study shows middle schoolers maintain a more positive attitude toward science when their parents continue to display interest. * Discourage snap decisions. During adolescence, Moss notes, kids struggling to figure out who they are can easily form inaccurate perceptions of their academic weaknesses. Reassure your child one challenging assignment or bad grade need not rule out a future career. “Kids often make up their minds by sixth grade whether they’re capable of doing science and math,” says Moss. “We have definitive evidence that by age 6, girls have already started to internalize negative stereotypes that science and math are not for girls.” In reality, she notes, understanding science and math simply requires more thinking for some people than others; it’s not a skill based on gender. According to State of Science Index findings, 96 percent of U.S. parents want their kids to know more about science. It’s critical for us to maintain interest during the middle school years, and according to Moss it’s our responsibility to help children see the possibilities.
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Sleep Tips
If you are one of the tens of millions of adults sleeping fewer than seven hours each night - the amount recommended by the American Academy of Sleep Medicine - you are likely jeopardizing performance, increasing accident risks and putting everyone in danger during commutes. Getting enough sleep every night is key to improving productivity, safety and quality of life. Here are some tips to make sleep work for you. Don’t burn the midnight oil Working late nights might impress your boss, but restricting your sleep can lead to trouble making decisions, solving problems, and more, severely affecting your productivity at work. Sleep for safety Workers who sleep less than six hours per night are also at higher risk for injury, according to the Sleep Research Society. Cognitive and motor performance impairments caused by sleep deprivation can be comparable to drinking alcohol. If you make it a daily priority to recognize the signs of fatigue before, during and after work, and refuse to drive drowsy, you can reduce the risk of serious injury for yourself and others. Strategies for non-traditional work hours Some of the more high-risk professions involve working irregular hours. Shift workers - who can be nurses, law enforcement officers, emergency responders, transportation operators and more - work overnight or early morning hours with irregular or rotating shifts, causing upheaval in the body’s circadian rhythm and natural sleep/wake cycle. According to the AASM, shift workers may sleep up to four fewer hours per night than those working traditional hours, increasing the risk for injuries, accidents and drowsy driving. However, there are ways to combat this problematic sleep schedule. Estrella Publishing - Life On The Rim magazine
Tips for ‘wake time’ * Avoid exposure to sunlight if you need to sleep during the day, and wear sunglasses if you must go outside. * Use moderate amounts of caffeine in the early part of your shift. * Use public transportation, rideshare or take a cab, or arrange rides from friends or family after a work shift. * Take a 20- to 30-minute nap during a work break or before a night shift. * Get help from a sleep specialist to reinforce your body clock with strategically timed bright light therapy. Tips for ‘sleep time’ * Avoid caffeine and alcohol in the hours before you go to bed. * Plan for any major changes in your shift schedule by altering your sleep time a few days in advance. * Try to keep the same schedule on workdays and days off and create an effective “wind down” routine before going to bed. * Keep your bedroom at a cool temperature, turn off all electronics and only do relaxing activities like reading or journaling. Getting at least seven hours of sleep isn’t just a matter of feeling alert for productivity and safety on the job; it’s a necessary component of good health and well-being. For more information go to www.sleepeducation.org.
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Puzzles & Games
Sudoku for May
Mothers’ Day Word Search
Numbers from 1-9 must appear only once in each row, column and box. Good Luck! Solution is on our website www.EstrellaPublishing.com
3
2
2
3
6
1
5
4
2 9
7
1
3
9
2
6
8
8
7
5 2
9
4 4
3
8 6
5
4
7
Sudoku Solution 6
7
9
2
5
1
3
4
7
5
2
8
4
6
8
3
1
9
8 4 3 6 1 9 5 2 7
5 3 7 1 9 4 8 6 2
2 1 6 8 3 7 9 4 5
4
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8 6 9 5 2 6 7 1 3
2 7 8 3 1 5 4
3 5 4 9 6 1 2 7 8
1 7 8 2 4 5 3 9 6
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On Our Cover
The beautiful group on our cover are all from Diane Dahlin’s Pine Rim Realty and they were so much fun to photograph. If you or someone you know wants to be on a future cover send me an e-mail info@estrellapublishing.com or call 623.594.9283 It takes less than 15 minutes of your time and is great exposure for businesses, clubs, groups or just someone who deserves recognition. May 2018
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
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Cabins Commercial Land Acreage www.PineRimRealty.com
Arizona’s Rim Country
Our TEAM is here for your Real Estate Needs!!!
Diane Dahlin Joyce Schusler REALTOR®, GRI Designated Broker/Owner John Schusler REALTOR® REALTOR®, ABR, CRS, GRI
Jay H. Pierce REALTOR®, GRI
Maggie Dahlgren REALTOR®
Kim Gauman REALTOR®
Sharon Petersen REALTOR®
Teressa McCluskey REALTOR® ABR
Chris Haenichen REALTOR®
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Located at the corner of Hwy 260 & Red Deer Run Across from Chevron and Circle K
(928) 535‐3939 Office (928) 535‐4292 Fax
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1973 Red Deer Run P.O. Box 461 Overgaard Az 85933
May 2018