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From Your Neighbors, For Your Neighbors

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September 2023 1

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 623.398.5541 info@EstrellaPublishing.com Al Uretsky, Publisher and Sales Executive 623.398.5541 info@EstrellaPublishing.com All contents © 2010-present day 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.

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September 2023

From Me To You...

I began this summer fully intending to make a sizeable dent in my rapidly growing pile of books ‘to be read’. The guilt of amassing books one after another all was crushing me. Well, perhaps that is an exaggeration, but I did get a pang of remorse every time a new book was added to the bookshelf without detracting one from the other end.

What stopped me? I had a whole summer of very little responsibility, sparse travel and comfy chairs with perfect lighting. I am embarrassed to say it was television. After years of resisting adding new channels to our streaming line-up - let’s face it those things can hit your pocket pretty hard if you don’t keep an eye on them - a whole bunch were added to my existing stations without any help from me. I now have access to a library of new-to-me, pre-approved, award winning series, and who looks that horse in the mouth?

The first show we binged (not intentionally, but it was so good we couldn’t help ourselves) was Ozark. A gritty, somewhat violent and acerbically funny look at a world where Jason Bateman,

through no fault of his own, becomes a money launderer for a drug cartel. And he was good at it! I found myself rooting for the character to get better at being bad.

Following the dip into organized crime I fell into watching Ted Lasso. I know I am very late to this particular game but I loved it. I finished the show, tears streaming down my face, and immediately wanted to watch it again. There are so many wonderful lessons to be learned here and I wish everyone had a Ted in their lives. I feel this world would be a much happier place for it.

Swinging the pendulum in the opposite direction, I have now almost finished Homeland.

Wow, the backstabbing, conniving spycraft - and that is just from the good guys! I wish I could tell you more but Carrie is trying to save the world again and, even though my books are calling me, I want to watch one more episode!

Catherine Uretsky

Editor, Surprise Living Magazine info@estrellapublishing.com 623.398.5541

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September 2023 3

Money Matters Many people benefit from working with a financial advisor, someone who knows their needs and goals and makes appropriate recommendations. If you’re considering getting some help, you’ll want to ensure a particular financial advisor is right for you, so it’s a good idea to ask questions.

Here are some to consider: • Have you worked with people like me? All of us are unique individuals. Yet, you do share certain characteristics with others and you might feel comfortable knowing that a financial advisor has worked with people like you and can readily understand and appreciate your needs and specific goals: college for your children, a certain type of retirement lifestyle, the kind of legacy you’d like to leave and others. The more information you can provide about yourself upfront, the better your chances of finding a good match.

• Do you have a particular investment philosophy? Some financial advisors follow a

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particular investment style, while others might focus on specific investments or categories. There’s nothing inherently wrong with these types of approaches, but you might be better served by working with someone who takes a broader view — one that emphasizes helping clients meet their goals over any particular philosophy or strategy.

• How will you communicate with me? Open and frequent communication are key to a successful relationship with a financial advisor.

So, you’ll want to know what you can expect. Will you have annual or semi-annual reviews of your accounts? In between these reviews, can you contact your advisor at any time with questions you may have? Is the financial advisor the individual you’ll communicate with, or are other people involved?

• How do you define success for your clients?

You may want to look for responses that go beyond numbers and encompass statements such as these: “I’m successful if my clients trust me to do the right things for them. And, most important, I’m successful when I know I’ve helped my clients reach all their goals.”

• How are you compensated? Financial advisors are compensated in different ways — some work on commissions, some charge fees, and some combine fees and commissions. There isn’t necessarily any best method, from a client’s point of view, but you should clearly understand how a potential advisor is compensated before you begin a professional relationship.

These aren’t the only questions you might ask a potential financial advisor, but they should give you a good start. When you’re trusting someone to help you with your important financial goals, you want to be completely comfortable with that individual — so ask whatever is on your mind.

Submitted by Wayne Polk, AAMS, Financial Advisor, of Edward Jones

September 2023

Ask Dr Jen

“There’s so much going on in the world these days that my anxiety is nearly constant. What can I do to find peace?” ~ Lorri M Being at peace is a personal decision. It’s not necessarily a logical one with everything going on in the world sometimes, but it’s a decision, nonetheless.

To better understand this, let’s look at addiction.

With addiction, you can work through the issues that drive it and establish adaptive coping skills.

In the end, though, you have to decide to quit.

I can give you all the tools and resources in the world, but you’ll stay addicted if you don’t decide at every temptation to say no.

So, if you think about living outside of peace rather than in it, you could see it as your brain being addicted to thinking a certain way. Here are some ideas on how to change this: 1. Try to figure out where you learned to think so negatively. Talking to a therapist who has a psychodynamic approach can help you under-

stand how your life experiences and genetics contribute to your thinking processes.

Understanding where your thoughts come from can be a relief in and of itself.

2. Find ways to combat “stinkin’ thinkin’.”

You can learn cognitive behavioral therapy (CBT) concepts to change your self-talk. When you start thinking negatively, you have to make a conscious effort to replace those thoughts with more positive ones: • Try thinking the exact opposite of what you’re thinking. If you’re thinking that you can’t be at peace because you’re not good enough in some way, tell yourself that you are good enough, that you’re no different than everyone else you think IS good enough. If you need more convincing, make a list of nice things you’ve done.

• Focus on gratitude. Remind yourself of all the things for which you are grateful. Write them out and look back at them when you need reminding.

• Practice “thought stopping.” Whenever a negative thought comes in, picture a stop sign to interrupt that process. You can also say “stop” in your head or aloud. Or, you can wear a rubber band or hair tie on your wrist and flick it gently when a negative thought comes into your head.

Submitted by Dr Jennifer Bellingrodt, Psy.D. Licensed Clinical Psychologist 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.

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September 2023 5

Legal Advice

AVOID PROBLEMS WITH IRA DESIGNATIONS For 401ks, IRAs and other qualified retirement accounts, the designated beneficiary form directs how the funds will be paid on your death. Common problems that arise with beneficiary designations are: a. When the “Estate” or no beneficiary is listed, so a probate is needed and the IRA will be not be stretched for 10 years and will be taxed at a higher rate. b. When a beneficiary dies before you, the financial company rules apply to who gets the deceased beneficiary’s share. When a trust is listed as the beneficiary, your directions are applied. c. When the designated beneficiary is a minor, not a trust for the minor, then a costly court conservatorship is need and deferred tax benefit is at risk. d. When your spouse, who is not your children’s

parent, does not sign a spousal waiver, then your spouse is entitled to half or possibly all of funds.

Remember, currently, an inherited IRA must be paid in 10 years, if the beneficiary is not a spouse.

Leaving a portion or all of your qualified retirement account to charity can make sense, because the charity does not pay income taxes and will receive more funds than a family member.

Other assets which are not taxable can be left to family or friends.

Sharon Ravenscroft, M. Scott Rowan, Attorneys, Cavanagh Law Firm, PA, Sun City and Phoenix offices, Sravenscroft@ CavanaghLaw.com or (623) 815-7451; legal practice focused on Wills, trusts, probate and trust administration.

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September 2023

Labor Day Labor Day, a holiday celebrated in many countries, is dedicated to honoring workers’ contributions and the labor movement’s impact on society. It symbolizes the collective power of workers to bring about positive change. The history of Labor Day dates back to the late 19th century when the labor movement in the United States fought for better conditions and workers’ rights. The first Labor Day celebration took place in 1882, and in 1894, it became a federal holiday.

Labor Day holds multi-dimensional significance.

It pays tribute to workers’ contributions, regardless of their occupation, driving the economy’s prosperity. It also reminds us of the value of workers’ rights, fair treatment, and workplace safety, achieved through the labor movement’s struggles.

As we celebrate Labor Day, let’s recognize the evolving nature of work due to technology and automation. Addressing job displacement and income inequality is crucial through education and retraining programs, ensuring the benefits of progress are equitably shared.

Labor Day is not confined to the United States; it’s celebrated worldwide with various historical labor movements and struggles for workers’ rights. The underlying theme remains the same: acknowledging workers’ contributions to nations’ economies. While Labor Day offers time for leisure and relaxation, it’s essential to remember its true significance. It’s a day to reflect on workers’ historical struggles, appreciate the advancements in workers’ rights, and renew our commitment to supporting and empowering the labor force.

Our homes play a vital role in striking a balance between work and personal life. They nurture our well-being, bond us with family, and offer comfort and security. On Labor Day, let’s appreciate the warmth of home, no matter its size, and express gratitude for the love and memories created within its walls.

As we gather with loved ones, let’s celebrate not just the labor force but also the comfort and joy of “home sweet home.” May this Labor Day be filled with camaraderie, appreciation, and the spirit of home, making it a day of happiness and support.

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September 2023 7

The Bug Guy

As the temperatures start to cool down in September, many residents of the West Valley in Arizona begin to spend more time outdoors, enjoying the beautiful weather. However, it is important to remember that pests are still active during this time of year and can pose several problems for homeowners. It is crucial to be proactive and engage in effective pest control practices to ensure a pest-free environment.

One common pest in the West Valley during September is ants. As temperatures become more moderate, ants become more active in search of food and water sources. These tiny insects are often found in kitchens and pantries, drawn to crumbs and spillages. To prevent ant infestations, it is crucial to keep countertops clean, store food in airtight containers, and promptly clean up any spills or crumbs. Sealing cracks and crevices where ants can enter the home will also help to keep them at bay.

September is also a prime time for scorpion activity in the West Valley. These nocturnal creatures seek shelter in homes and yards,

posing a potential threat to humans and pets.

To keep scorpions away, homeowners should remove any clutter in their yard, seal entry points, and keep vegetation well-trimmed. Inspecting and shaking out shoes and clothing before wearing them is also advisable, as scorpions often seek refuge in these items.

Lastly, September can bring an increase in rat and mice activity in the West Valley. These pests search for warmth and shelter as the temperatures begin to cool down. Homeowners should inspect their homes for any gaps or openings larger than a dime, ensuring that rodents cannot find their way inside. Using traps or engaging the services of a professional pest control company can help eliminate and prevent rodent infestations.

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In conclusion, while September may be a month of pleasant weather in the West Valley, it is crucial to remain proactive in pest control efforts. By taking simple measures, such as eliminating mosquito breeding sites, preventing ant infestations, deterring scorpions, and securing homes against rodents, residents can enjoy a pest-free environment and fully embrace the beauty of the autumn season.

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September 2023

Look Up! While lowering the thermostat may help take the heat off inside a home, this action may not get to the bottom of a comfort issue - especially if the problem resides in the attic. Issues in a home’s attic can lead to warmer temperatures in other parts of the home, potentially leading to another source of discomfort - higher energy bills.

In both summer and winter, adequate levels of attic insulation are necessary to help regulate the temperature inside a home. As temperatures rise inside the attic, warm air will seek to escape into cooler air-conditioned parts of the home.

Installing an adequate level of attic insulation can help defend against heat transferring from the attic into conditioned parts of the home.

Attic insulation works to reduce heat transfer and helps keep the air-conditioned part of a home cool.

How much of a difference can attic insulation make when it comes to managing heat transfer?

Every home is different and variables such as the size and design of the home and local energy rates will influence energy. The difference that attic insulation makes may be seen in lower energy bills and overall comfort throughout the home. An attic inspection will measure a home’s insulation level and provide a recommendation on the appropriate amount of insulation to install.

Inadequate insulation is just one attic issue that can reduce comfort. The ducts inside the attic that transport air to each room of a home can also present problems. Holes and leaks in attic ductwork or poor connections can allow cooled air to escape into the attic before it ever reaches the intended room. When air exits ducts in the attic, the result is diminished comfort and wasted energy as the system works harder to replace the lost air. The additional workload can potentially shorten the life of the air conditioning equipment or result in service calls to inspect a properly operating cooling unit.

Inconsistent temperatures in different parts of the home may be a sign of a problem with leaky attic ducts. As the flow of air throughout a home is interrupted due to leaks or improperly sized ducts, the conditioned air may not travel to the air registers in each room. Thus, one room may consistently be chilly while another room feels too warm.

Of course, proper maintenance of a home’s HVAC equipment is essential to supporting its optimal performance and longevity. Air filters should be cleaned or changed regularly and equipment should be serviced as directed by the manufacturer.

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September 2023

Immunizations The World Health Organization proclaims immunization to be a key component of primary health care and that it reduces the risks of getting a disease by working with our body’s natural defenses to build protection. When we think of immunizations, we often think of flu shots and the COVID-19 vaccine. However, immunization can come in many forms and is recommended for all ages–from infancy to adulthood. Some recommended vaccines include but are not limited to Chickenpox, Hepatitis A & B, Mumps and Tetanus.

While self-protection is a big part of why many receive recommended vaccinations, individuals should also think about the benefits to the community, which include: • Protection of future generations. Harmful diseases such as smallpox have been eradicated worldwide thanks to the success of immunization.

Children today are no longer at risk of obtaining the condition; therefore a smallpox shot is no longer needed. If adults continue vaccinating now, diseases may no longer be around to affect

future generations.

• Prevention against harmful diseases that can have life-threatening outcomes or result in prolonged disabilities.

Addressing health concerns already present may be more time-consuming, costly, and dangerous than taking preventative measures against them in the first place through vaccination.

• Long-term health investments in communities.

With immunizations protecting individuals against harmful diseases, communities can become stronger and healthier.

Some individuals or families cannot pay for a doctor’s visit or do not have the luxury of healthcare at their fingertips. Jewish Family & Children’s Service (JFCS) is committed to improving healthcare within communities through our provision of primary care, behavioral health, and social services to all ages, faiths, and backgrounds–regardless of an individual’s ability to pay.

Submitted by Tammie Kay Perez FNP Family Nurse Practitioner at the West Valley Healthcare Center. For more information about Jewish Family and Children’s Service or to find a healthcare center, visit https://www.jfcsaz.org

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September 2023 11

Yum Yum Tailgating Chicken Nacho Dip

We are well into Football Season and dips are a great go-to option when entertaining. Try this one when you have friends over for the next game.

Ingredients 1 pound cheese, cubed (Velveeta is great for this) 1 (14 ounce) can diced tomatoes with green chile peppers, drained 2 large cooked skinless, boneless chicken breast halves, shredded 1/3 cup sour cream 1/4 cup diced green onion 2 tablespoons minced jalapeno pepper, or to taste (Optional) 1 ½ tablespoons taco seasoning mix

1 cup black beans, rinsed and drained Directions Gather all ingredients.

Stir cheese, diced tomatoes with chiles, shredded cooked chicken, sour cream, green onion, jalapeño, and taco seasoning together in a slow cooker.

Cover and cook on High, stirring occasionally, until cheese has melted and dip is hot, 1 to 2 hours.

Stir in black beans and cook until heated through, 15 minutes.

Serve with chips.

Tips If the dip gets too thick, thin it with a small amount of milk.

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September 2023

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September 2023

Samurai Sudoku 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.

Good Luck!

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September 2023 15

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September 2023