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Up The Hill A magazine for Estrella & CantaMia residents From Your Neighbors, For Your Neighbors

Estrella Publishing - Up The Hill magazine

July 2025 1

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Published by Estrella Publishing LLC, PO Box 6962, Goodyear AZ 85338.

Additional copies can be obtained for a fee by contacting info@EstrellaPublishing.com Catherine Uretsky, Publisher and Editor Talia Uretsky, Assistant Editor Al Uretsky, Publisher and Sales Executive 623.398.5541 info@EstrellaPublishing.com All contents © 2010-present 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 content of contributing writers and advertisers 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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Estrella Publishing - Up The Hill magazine

July 2025 3

THE "ESTRELLA" OFFICE LOCATED IN ELLIOT MARKET

WE ARE NEIGHBORS HELPING NEIGHBORS THE SEARS GROUP AND ASSOCIATES LIVE AND WORK IN THE COMMUNITIES WE SERVE!

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CELL: -(623) 853-3380 | TEAM LINE: (623) 810-4524 4 Estrella Publishing Up The Hill magazine

MARTIN C. SEARS PC Estrella Resident since 2009

EstrellaMountainRealEstate.com

July 2025 We help senior clients take the next big step.

From Me To You...

There’s an old story that gets told in elementary schools and boardrooms alike, usually by someone trying to make a point about resilience. It features a mighty oak tree and a young sapling growing side by side in a forest. My favorite version is all about the value of flexibility over pig-headed stubbornness.

Picture an ancient oak that’s been dominating its patch of woodland for decades. This tree has weathered many storms, standing firm whilst everything else gets knocked about. It’s the arboreal equivalent of that blowhard at the bar who’s never wrong about anything. Next to it grows a slender young tree that looks about as sturdy as a wet tissue. When the wind picks up, the oak barely budges, maintaining its dignity and standing firm. The sapling, meanwhile, bends and sways about like it’s auditioning for Dancing with the Stars.

Any sensible person would back the oak to survive whatever nature throws at it. After all, it’s got size, strength, and experience on its side. The young tree on the other hand, appears to be held up by wishful thinking and good intentions.

Then along comes the storm of the century—the sort that has weather presenters getting genuinely excited for the first time in years. The oak does exactly what it’s always done: stands its ground, refuses to yield, essentially tells the hurricane to go away.

Unfortunately, this time the hurricane takes exception to such cheek. With a tremendous crack that probably woke up half the county, down comes the mighty oak, taking a fair chunk of the forest floor with it. The sapling, however, has been having what can only be described as an elaborate dance-off with the wind. It bends so far it nearly touches the ground, then springs back up like a jack-in-the-box. When the storm finally dies down, guess which tree is still standing?

The moral here is that adaptability beats obstinacy, and the smartest thing you can do is give way rather than dig in your heels. The trick is in knowing when to bend and when to stand firm — I’ll leave that one up to you.

Catherine Uretsky Editor, Up The Hill Magazine info@estrellapublishing.com 623.398.5541

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Estrella Publishing - Up The Hill magazine

July 2025 5

Estrella Trails In 2023, the Estrella Trails Committee faced a significant setback as legal and insurance issues arose between the HOA and the landholder, Estrella North. This led to an indefinite hold on new trail builds, limiting the committee’s activities to mere trail maintenance until the matters could be resolved. With Estrella North’s support, the Estrella Trails Committee has undergone a transformation and emerged in December 2024 as the Estrella Trails Group, an Arizona nonprofit status and soon-to-be 501(c)(3) organization.

The Estrella Trails Group has ambitious plans to focus on the construction of new trails, while simultaneously maintaining and enhancing the existing trail system, which currently boasts around 65 miles of biking and hiking trails on developer land. Efforts are underway to improve trail system signage, construct additional trailheads with dedicated parking, and introduce a para trail for more inclusive outdoor access.

Since December, various enhancements have been implemented at Brethren’s Court, commonly referred to as the circle of trust, which many of you may have noticed. These enhancements include trail-side maintenance stands, repaired bike racks, and the addition of a third bike rack. Furthermore, Coyote Den in Lucero will soon have a bike maintenance stand as well. We extend our gratitude to our friends at REI for their monetary contribution towards the two trail-side maintenance stands.

To stay connected and informed about our efforts to enhance outdoor living in Estrella, we invite you to join our Facebook group page. There, you can get updates on trail build days, trail maintenance days, and exciting news like the return of the Estrella MTB race, scheduled to make a comeback on December 6th, 2025.

The Estrella Trails Group is made up entirely of dedicated community volunteers with a shared vision: to enhance and enrich our local trail system. This group fosters collaboration with the landowner and offers each of us the chance to contribute to our community in ways that match our individual skills.

Join us in making Estrella a livelier and more active place to live!

Submitted by Henry Brumbach, President, Estrella Trails Group

Casey Schwebel - Local resident

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July 2025

Furry Friends Keeping Your Pets Safe and Calm This July 4th

comforts: their bed, beloved toys, and perhaps that old t-shirt or sock they’ve claimed as their own. These familiar scents and textures provide reassurance during stressful moments. Consider playing soft background The Fourth of July brings families together for music or white noise to help mask the sudden sounds barbecues, pool parties, and spectacular fireworks displays. While we celebrate our nation’s independence from outside. Anxiety wraps or calming shirts designed for pets can also provide a sense of security through with joy and excitement, this holiday can be gentle pressure. Remember to visit your pet regularly overwhelming for our four-legged family members. throughout the evening our presence and gentle The fireworks displays that delight us can cause reassurance can make all the difference in helping anxiety and distress for pets, whose sensitive hearing them feel secure. makes fireworks particularly challenging to endure. * Natural Comfort Measures Fortunately, with some thoughtful preparation, you can Consider offering special treats during the fireworks, as the act of eating can be naturally calming for many help your pet feel secure and comfortable during the animals. Some pet owners find success with calming festivities. supplements or CBD treats designed for pets, though * Creating a Safe Haven always consult your veterinarian before introducing Choose a room with minimal outside noise—ideally new products. Keep in mind that treats should be an interior room away from windows where the sounds will be muffled. Transform this space into your given in moderation—you don’t want to upset their stomach or create a pattern where they expect rewards pet’s personal sanctuary by including their favorite for anxious behavior. * Additional Strategies for Success Think about establishing a calming routine throughout the day that builds up to the evening festivities. A long walk earlier in the day can help tire out energetic pets, making them more likely to rest during the fireworks. info@sadd.org Some families find that including their pets in the daytime celebrations helps them feel part of the family www.sadd.org gathering.

SADDNation From all of us at the magazine, we wish you and your entire family—furry friends included—a safe and happy Fourth of July!

ONE NOTIFICATION ISN’T WORTH THE RISK. Estrella Publishing - Up The Hill magazine

July 2025 7

Lights, Camera, Action!

Theater vs. Home Viewing

Supporting Local Economy: When theaters thrive, they contribute to the local economy and provide valuable job opportunities for neighbors.

The way families enjoy movies has transformed The Big Screen Difference: Some movies are truly dramatically in recent years. With streaming services meant for the theater experience. The massive screen, and digital rentals at our fingertips, the question isn’t surround sound, and shared excitement of the whether we can watch the latest blockbuster from audience can make certain films far more memorable our couch—it’s whether we should. Both options and impactful. offer distinct advantages, and understanding them Industry Impact: Box office numbers still influence can help you make the best choice for your family’s which movies get made and how much studios invest entertainment needs and values. in future projects. Theater attendance helps ensure The Appeal of Home Viewing continued production of the big-budget family films Budget-Friendly Entertainment: Renting or purchasing and creative projects we all enjoy. a movie digitally often costs less than buying theater tickets for the whole family, especially when you factor Finding the Right Balance Rather than choosing one option exclusively, many in gas, parking, and concessions. families find success in a balanced approach.

Comfort and Convenience: Home viewing offers unmatched comfort. You can pause for bathroom When to Choose Theaters: breaks, prepare your favorite snacks without paying - Big action or adventure films with spectacular visuals premium prices, and create the perfect viewing - Special family outings or celebrations environment. No worrying about arriving on - Supporting a beloved local theater time, finding good seats, or dealing with disruptive - Movies you’re genuinely excited to see immediately moviegoers.

When to Choose Home: Building Your Collection: When you purchase movies - Casual movie nights with young children digitally, they become part of your permanent library.

- Films you’re curious about but not committed to Family favorites can be enjoyed again and again, - Rainy day entertainment making them perfect for cozy movie nights.

- Building your family’s movie collection Flexible Scheduling: Watch on your timeline— whether that’s a lazy Sunday afternoon or after the kids’ bedtime. There’s no need to work around theater Whether you’re sharing popcorn in a darkened theater or snuggled together on the family couch, what showtimes or worry about late-night drives home. matters most is the time spent together enjoying great The Magic of the Theater Experience storytelling.

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July 2025

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Estrella Publishing - Up The Hill magazine

July 2025 9

The Bug Guy

Freedom from Pests: A Phoenix Valley 4th of July Declaration

When in the course of human events, it becomes necessary for one people to dissolve the bands which have connected them with creepy crawlies, a decent respect for the opinions of mankind requires that they should declare the causes which impel them to call the exterminator.

We hold these truths to be self-evident: that all homeowners are created equal, that they are endowed by their Creator with certain unalienable rights, and that among these are life, liberty, and the pursuit of a scorpion-free patio. But here in the West Valley, our founding fathers never had to deal with 115-degree heat AND an army of desert invaders plotting their Independence Day barbecue takeover.

Picture this patriotic scene: Uncle Sam himself, sweating through his star-spangled suit, wielding a can of Raid like a musket while declaring, “Give me liberty, or give me death – but definitely give me death to these cockroaches!” Even the Statue of Liberty would trade her torch for a bug zapper if she had to spend one summer in the vest valley.

The British may have taxed our tea, but Arizona’s real tyranny comes from uninvited guests who don’t need visas – just tiny cracks in your foundation. Scorpions crash pool parties like they own the place. And don’t get us started on the black widows who think your garage is prime real estate.

This Fourth of July, as fireworks light up the sky and the smell of freedom (and grilled burgers) fills the desert air, remember that true independence means never having to share your celebration with six-legged party crashers. Our forefathers fought for freedom from taxation without representation, but we fight for freedom from infestation without invitation.

So raise your citronella candles high, fellow patriots!

Let freedom ring, let eagles soar, and let professional pest control services handle what the Declaration of Independence somehow forgot to mention: that among our unalienable rights should definitely be the right to a bug-free Fourth of July barbecue. God bless America, and God bless pest-free patios from sea to shining sea – especially in the Valley of the Sun! Submitted by Larry Cash, of Estrella Mountain Pest Control, Estrella resident.

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July 2025

LUCERO AT ESTRELLA BUILT IN 2021 BY GEHAN HOMES $435,000 2,098 SQFT BONUS SUNROOM WITH A/C

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“We had the privilege of working with Camille, and her professionalism and dedication were truly remarkable. Camille exceeded all expectations. She worked tirelessly to show us a wide range of properties, ensuring we thoroughly understood the homes and neighborhoods within Estrella. Once we chose a home, her kept us informed and reassured throughout the entire process.

Relocating cross-country presented unique challenges, but Camille went above and beyond as our trusted advocate, managing all necessary tasks with care and precision. We are deeply grateful for her expertise and could not have asked for a more outstanding Realtor.”

- John & Jessie

Call Camille Direct: 602-616-6502 Estrella Publishing - Up The Hill magazine

July 2025 11

Industry Experts Working For You! Call or email for a FREE QUOTE ~ Auto • Home • Umberella • Life ~ Homeowner’s Insurance

Victor Eguizabal

602-836-4770

Victor@facepointquotes.com www.FacePointInsurance.com

M-F 9am-6pm

AZ #13072565

urchasing my first home ignited a passion for real P estate that has only grown over time. As both a

Realtor and a proud Estrella resident, I’m committed to helping my neighbors achieve the best results, whether they’re buying or selling. My goal is to ensure you get the most value from your transaction while helping maintain the beauty and rewards of living in our wonderful community.

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12 Estrella Publishing - Up The Hill magazine

July 2025

Youth Sports Preparing Your Child for Youth Sports Success

With screens dominating so much of kids’ free time these days, organized athletics offer a wonderful opportunity to get children moving, socializing, and building confidence. Team activities teach valuable life skills like cooperation, communication, and perseverance. Children learn to set goals, handle both victory and disappointment gracefully, and develop friendships that often last well beyond the season. The structured environment of youth sports also helps kids establish healthy routines and discover new interests and talents.

The key to a positive sports experience lies in thoughtful preparation. Every child comes to the field with different strengths, energy levels, and comfort zones, so your approach should match your child’s individual needs.

For the Active Child: If your little one is already constantly in motion—running through the house, climbing playground equipment, or riding bikes around the neighborhood—they may need minimal physical preparation. Focus instead on sport-specific skills and mental readiness.

For the Less Active Child: If your child has spent most of the summer indoors, gradually introduce physical activity in the weeks leading up to the season.

Family walks around the neighborhood, trips to the local park, or backyard games can help build basic fitness and stamina. The goal isn’t to create an elite

Estrella Publishing - Up The Hill magazine

athlete overnight, but rather to help their body adjust to increased activity.

Physical Preparation: Start with gentle activities that the whole family can enjoy together. A evening walk around a nearby lake, a game of catch in the backyard, or swimming at the community pool can help children build endurance while spending quality time with family.

Nutritional Foundation: Ensure your child is eating balanced meals with plenty of fruits, vegetables, and whole grains. Don’t forget the importance of staying well-hydrated, especially during Arizona’s warm weather.

Mental Preparation: Talk with your child about what to expect from their chosen sport. Discuss the importance of trying their best, supporting teammates, and listening to coaches. Help them understand that everyone learns at their own pace and that making mistakes is part of the learning process.

Arizona’s youth sports programs offer incredible opportunities for children to grow, learn, and thrive.

With thoughtful preparation and a focus on fun, your child can have a rewarding experience that builds both character and confidence. Here’s to a fantastic season ahead for all our young athletes!

July 2025 13

July Events & Meetings Sunday

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Monday

Tuesday

Wednesday

Thursday

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Developer/City of Goodyear Town Hall Starpointe 6:00-8:00PM

Budget Finance Committee Starpointe 3:00PM

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Summer Camp Theme: Carnival Fun Starpointe 8:00AM-2:00PM Monday-Friday

Taco Tuesday Cantina at the Presidio 5:00PM-7:00PM

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Summer Camp Theme: Space Week Starpointe 8:00AM-2:00PM Monday-Friday

Splash Time for Tots Presidio Splash Pad 10:00AM-Noon

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Summer Camp Theme: Nature Week Starpointe 8:00AM-2:00PM Monday-Friday

EJC, ECA, VCA Board Meetings Starpointe 6:30 PM

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Storytime If You Give a Mouse a Cookie Starpointe 10:00AM-11:00AM

Friday 4

Saturday 5

Independence Day Ignite the Night Fireworks Show North Lake 6:00-9:00PM

Community Services Office closed Residents' Clubs open 8:00AM-5:00 PM

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Community Garden Committee Presidio, 4:00 PM

Art Gallery Committee Presidio, 1:15PM

Dive In Movie Jaws Presidio Pool 6:00-8:30PM

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12 Live Music Cantina at the Presidio 5:30-7:30PM

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Kids Bingo Youth Club 1:00-4:00 PM

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Trivia Night: Cinema Starpointe 6:00PM-8:00PM

Christmas in July Starpointe Pool 10:00AM1:00PM

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Summer Camp Theme: Under the Sea Starpointe 8:00AM-2:00PM Monday-Friday

Contact Information Community Services Office / Estrella Facilities Office : 623-386-1112 Starpointe Residents’ Club: 623-386-1949 / Presidio Residents’ Club: 623-322-7841 Community Website: www.LifeInEstrella.com 14 Estrella Publishing Up The Hill&magazine July 2025 For a Listing of Estrella Group Club Meetings, visit: www.lifeinestrella.com/231/Clubs-Groups To Sign Up for Weekly Newsletters, email: estrellacommunications@ccmcnet.com

Estrella Publishing - Up The Hill magazine

July 2025 15

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July 2025

Cook with Zona Congratulations to Cindy Buda, winner of our recipe competition. We really enjoyed the easy bake, it is perfect for a celebration on a hot, summer afternoon!

4th of July Boozy Trifle (Or not if serving children) Syrup: 1/4 Cup — Plus 2/3 Cup Sugar 1/4 Cup Fresh Lemon Juice 1/4 Cup Amaretto (or 1/4 Teaspoon Almond Extract if serving children) Assembly: 1 Premade Angel Food Cake, Cut Into 1-inch Slices (can use store bought or from scratch recipe) 1 Pound Cream Cheese, at Room Temperature 2 Cups Heavy Cream, at Room Temperature 2 Pints Blueberries 2 Pints Strawberries, Hulled and Sliced

4. Arrange half of the cake cubes in the bottom of a 13-cup trifle dish.

Sprinkle evenly with a layer of blueberries.

Dollop half of the cream mixture over the blueberries and gently spread.

Top with a layer of strawberries.

5. Layer the remaining cake cubes on top of the strawberries, then sprinkle with more blueberries and top with the remaining cream mixture. Finish with the remaining strawberries and blueberries, arranging them in a decorative pattern.

6. Cover and refrigerate 1 hour.

7. Enjoy!

1. Heat 1/4 cup sugar, the lemon juice and 1/4 cup water in a saucepan over medium-high heat, stirring, until the sugar dissolves. Remove from the heat and stir in the almond extract/Amaretto.

2. Lightly brush both sides of each slice of cake with the syrup. Cut the slices into 1-inch cubes.

3. Beat the remaining 2/3 cup sugar and the cream cheese with a mixer on medium speed until smooth and light. Add the cream and beat on mediumhigh speed until smooth and the consistency of whipped cream.

169

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Estrella Publishing - Up The Hill magazine

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Home Sweet Home Going Green in Arizona: Sustainable Living in the Desert

Living sustainably in Arizona’s desert climate is not only possible—it’s practical. With a few simple changes you can reduce waste, save money, and support the environment right at home.

Rainwater Harvesting: Make the Most of Every Drop Even in a dry climate, rainwater harvesting can significantly reduce your dependence on municipal water. Rainwater is ideal for outdoor use, such as watering native or drought-tolerant plants, controlling dust, and more. Installing a rain barrel or cistern at the base of your downspouts is a simple way to get started.

During monsoons a single storm can fill a 50-gallon barrel, and for larger landscapes, passive systems like basins can direct runoff to hydrate your yard naturally.

Tips to Start: Use mesh screens to block debris and mosquitoes.

Choose opaque containers to prevent algae.

Use stored rainwater within a few weeks.

Composting: Turn Scraps into Soil Arizona’s soil is often low in nutrients, but composting

kitchen and yard waste adds essential organic matter.

You don’t need a big space—basic compost bins, tumblers, or indoor worm bins (vermicomposting) all work well. The desert’s warm temperatures speed up decomposition, especially in summer.

Composting Tips: Balance “greens” (fruit scraps, coffee grounds) with “browns” (dry leaves, paper).

Turn your pile weekly to add oxygen and prevent odors.

Keep compost moist and covered to avoid drying out.

Why It Matters Sustainable habits like rainwater harvesting and composting help conserve precious resources, improve soil health, and reduce your environmental impact.

Over time, they can also save you money on water and gardening costs.

Adapting green practices to the desert lifestyle promotes resilience, self-reliance, and a deeper connection to the environment. In Arizona, going green isn’t just a trend—it’s a smart and sustainable way to live.

Submitted by Tara Rutkowski, Realtor and Estrella Resident

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Estrella Publishing - Up The Hill magazine

July 2025 19

20 Estrella Publishing - Up The Hill magazine

July 2025

The Doctor Is In How an Insult Changed My Life

When I was in Army residency after graduate school, I had a clinical supervisor tell me that she didn’t like my answer to a question I gave in a seminar and that she thought that I was getting by on my looks without really any substance behind them. The implication was that I didn’t have what it takes to do well in my field.

I was honestly wrecked. I remember crying in her office and afterwards at home, on the way home, all of it. Her words hit hard as I called into question all I’d achieved up until that point in my mid-20s. I looked up to this woman and respected her opinion. I remember swimming in feelings of self-doubt and self-loathing.

I remember the tornados of negative thoughts in my head for what seemed like forever.

By the time she said this to me, I’d already had 3,000 hours of patient contact, but that awareness wasn’t enough to comfort me. Then, one day, I got sick and

tired of my negative thoughts and decided I wasn’t going to be a victim of her opinion. I started pursuing the truth. I dissected what it was from my past that created the self-limiting beliefs that her words tapped into. I took my inventory and looked at how far I’d come, what I’d objectively achieved and where I planned to go in my psychology career. After some mental gymnastics, I realized she was wrong, that I had plenty of evidence to the contrary, and I turned all of my butt-hurt feelings into determination.

Now, that situation could’ve gone either way for me: I could’ve decided she was right and given up my psychology career right then and there, and I wouldn’t be a published author, hosting my own podcast, helping thousands of people in my lifetime or even writing this article. Fortunately, I’m stubborn as hell, so I dug deep into my conviction about who God created me to be and cultivated enough distance between MY beliefs and HER thoughts that I was able to say to her in my mind, “Hold my beer.”

It’s all about perspective! When life hands you lemons, you have the opportunity to be a victim or a survivor.

The choice is yours.

Submitted by Dr. J. Paweleck-Bellingrodt, Psy.D. 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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July 2025 21

The Great Debate Every family has them—those heated discussions that arise over seemingly simple food choices. From pizza toppings to cereal preparation, these culinary debates can divide households and spark passionate arguments at dinner tables everywhere. Let’s tackle some of the most contentious food questions with a bit of humor and logic.

Pineapple on Pizza? Consider this: we regularly pair fruit with cheese in other contexts. Apple slices with cheddar, grapes on a cheese board—these combinations are celebrated. Hawaiian pizza simply applies this principle with melted cheese and savory ham. The sweet-salty balance creates a surprisingly harmonious flavor profile that deserves more credit.

Milk or Cereal First? This one’s straightforward: cereal first, always. Adding milk to an empty bowl means your cereal sits on top, staying dry while the milk lurks below. Pour cereal first, and the milk properly coats each piece, ensuring every spoonful delivers the perfect milk-to-cereal ratio.

bread and filling, calling it a sandwich is like calling all four-wheeled vehicles cars—technically possible but unnecessarily confusing. Hot dogs have earned their distinct identity through decades of ballpark traditions and backyard barbecues.

Steak with Ketchup? Quality steak shouldn’t need condiments, but taste preferences are personal. If you enjoy ketchup on your steak, that’s your choice.

However, consider trying other options like garlic butter or herb seasoning that complement rather than mask the meat’s natural flavors.

Toasted or Untoasted Pop-Tarts? Both methods have merit. Toasting creates warm, gooey centers and slightly crispy edges—a delightful texture contrast.

Untoasted Pop-Tarts offer convenience and a different, chewier experience. The “right” way depends on your mood, available time, and personal preference.

Chewy or Crunchy? Whether you prefer chewy or crispy cookies often relates to childhood memories and personal associations. Chewy cookies offer soft, tender Is a Hot Dog a Sandwich? Despite ongoing debates, bites, while crispy versions provide satisfying crunch. a hot dog occupies its own category. While it involves Rather than declaring one superior, appreciate that different occasions call for different textures.

While these debates make for entertaining dinner conversation, remember that variety in food choices makes meals more interesting. The real joy comes from sharing food with people you care about, regardless of how they prepare it.

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22 Estrella Publishing - Up The Hill magazine

July 2025

Solar Update The End of the 30% Solar Credit is Coming

lower rate, order your system no later than August 15th.

One of the greatest benefits of installing Solar on your home has been the 30% Solar Federal Tax Credit.

This credit has made solar very affordable and for most homeowners it helps deliver a typical 6-year payback period on your investment.

Right now is a golden opportunity to make a smart, high yield green investment in your home that will typically return 12-15% on your solar investment each year. Why pay 30% more in 2026? Why receive 10% less compensation from APS for your excess solar?

Experienced, local solar companies can now provide high quality and fair priced solar systems that come with a 25-year parts and labor warranty on the solar panels and the inverters. Impressive long-term savings and peace of mind are two of the current attributes of ordering your home’s new solar system this summer.

The cost of solar systems will be much higher next year. APS has announced that they are seeking a 14.5% price increase next year.

Unfortunately, it appears that current legislation will end the 30% credit at the end of this year. If the Senate eliminates it, as expected, there will be no solar tax credit next year.

If you have been waiting for the opportunity to lower your electricity bills and gain some energy independence, now is the time. To capture this credit, your solar system (and/or battery system) must be installed and working before the end of the year.

There is also another important factor in ordering your solar system within the next two months and that is the APS solar buyback rate. APS pays solar customers a rate for excess solar power sent back to the grid. APS will lower that rate 10% for all new solar projects permitted after September 1st. To avoid the

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July 2025 23

Puzzle Time This samurai sudoku puzzle is a great way to engage the brain and help develop logic skills.

To solve this Samurai puzzle use standard sudoku rules for every 9x9 grid: each digit from 1 to 9 can only appear once in every row, column and 3x3 box.

Solutions are on our website www.EstrellaPublishing.com Difficulty: Easy

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24 Estrella Publishing - Up The Hill magazine

July 2025

Money Matters Financial Independence Day

with your retirement goals, the time you have until retirement, and your comfort with investment risk.

We’re getting close to the Fourth of July, and this Straying from these principles—by taking on excessive celebration may get you thinking of the many or insufficient risk—can lead to choices that hinder freedoms you enjoy. But have you thought of what you your progress toward financial independence. might need to do to attain financial freedom?

Avoid financial “potholes.” Debt is a major hurdle; strive to live within your means to reduce Your first step is to define what financial independence your debt burden. Another challenge is unexpected signifies to you. For many people, it means being able expenses. To avoid tapping into your retirement to retire when they want to, and to enjoy a comfortable savings, build an emergency fund with three to six retirement lifestyle. So, if this is your vision as well, months’ worth of living expenses, held in a liquid, lowconsider taking these steps: risk account.

Pay yourself first. Waiting for leftover money to invest for retirement often leads to procrastination.

By implementing these strategies, you’ll steadily With a 401(k) or similar employer-sponsored plan, progress toward your goals. When you reach your contributions are automatically deducted from your personal “Financial Independence Day,” it may not paycheck before you can spend them. For an IRA, you call for fireworks, but it will undoubtedly bring a can arrange automatic transfers from your checking lasting glow to your life. or savings account, making saving effortless and consistent.

Submitted by Michael Gray & Brian Polk, Invest appropriately. Your decisions should align Financial Advisors, Edward Jones

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July 2025 25

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