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VIVA A magazine for PebbleCreek residents

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December 2020

FULL SERVICE AUTO REPAIR

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Catherine Uretsky Publisher & Editor

Al Uretsky Publisher & Sales Exec

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

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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 ÂŠ 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 and Family Features. 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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December 2020

Exquisite Properties Exceptional Presentation Extraordinary Results If you are selling your home, CALL ME NOW for a Free Market Analysis of your property.

See all MLS listings at www.MaryAnnEvans1.com

Best Listing Discount – Great Service – Awesome Results

Mary Ann Evans

PebbleCreek Residential Specialist

(602) 526-3709 : Direct Info@MaryAnnEvans.com

Experience - Work Ethic - Cutting Edge Technology

Living, Working & Selling in PebbleCreek PebbleCreek Statistical Market Analysis – 285 Homes Sold from 11/01/2018 to 11/01/2019 272 Homes Sold from 09/30/2019 to 09/30/2020

2018 to 2019

# Listings

List Volume

Sold Volume

285

112,073,679

109,425,595

# Listings

List Volume

Sold Volume

276

114,911,542

112,701,896

Year Over Year Sales

2019 to 2020 Year Over Year Sales

Low Avg High

List $

Sold $

List/ Sold

SQFT

List Price Per SQFT

Sold Price Per SQFT

Agent Days on Market

Total Days on Market

150,000 393,241 1,099,000

210,000 389,949 1,085,000

0.83 0.98 1.68

1,136 2,042 3,700

69.64 194.66 324.00

102.82 190.57 319.87

0 76 477

0 81 507

List $

Sold $

List/ Sold

SQFT

List Price Per SQFT

Sold Price Per SQFT

Agent Days on Market

Total Days on Market

210,000 413,351 890,000

212,000 405,403 870,000

0.90 0.98 1.05

1,136 2,067 3,503

107.56 201.84 332.08

101.23 198.07 325.00

0 71 397

0 75 597

Nov 9, 2020 PebbleCreek - 37 Active Home Listings $289,900 to $884,999 39 Homes Under Contract & Pending Sales from $272,000 to $650,0000 November 9 , 2020 – Market Snapshot

Congratulations for surviving the incredible challenges of 2020. The lack of home inventory & record low interest rates are still pushing home prices here to new records. The median home price in Phoenix valley hit another high last month with record year over year increases. Amazon is delivering 1000 jobs to West Valley with two major facilities in Goodyear including a 855,000 sq ft four story robotics fulfillment center plus a store in Avondale. Phoenix continues to be in the top 5 US metro areas for population growth. The need for home offices is causing many buyers to look for larger homes. 82% of Valley homes are primary homes, not investment properties. Builders are experiencing supply chain issues for materials & appliances, delaying delivery of new construction homes. Sales Activity for existing homes is fast paced, new homes sales are breaking records & new home inventories are low. If you are considering selling your home, this is an excellent time to proceed. I use Covid 19 protection procedures while showing your property. If you have questions, are selling or buying a home, please call or email me. I am a full time career realtor, I live and work here. I am readily available and have a complete support team of lenders, inspectors, repair vendors, title specialists & moving companies - everyone you need to support your transaction. We have a new normal in daily activities with masks, safety measures & safe distancing. There will new public health guidelines & new vaccines are being tested. Stay Safe, Wear A Mask, Wipe Down Everything You Bring Home, Practice Social Distancing. Call, text or email me anytime, I am here for you and I would love to work with you. It is my goal to help you maximize the return on your real estate investment with a discount on your listing and pricing to current market trends. Happy Holidays to you and your family.

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Ranked # 2 Producer out of 400 Agents WestUSA December Realty Goodyear 2020 3

If you are currently working with an agent, this is not meant as a solicitation. The information is deemed reliable, but not guaranteed.

From Me To You... “He’s making a list and checking it twice...”

‘Tis the season for lists. Lists of gifts to buy and dishes to make, lists of holiday cards to send out, lists upon lists upon lists. Usually lists are helpful for me. They allow my mind to concentrate on whatever task is at hand without worrying about remembering the next task. In my work I make tons of lists! I have lists of ads to update, articles to write or proof, people to email, and then there is the Master List. I have a giant white board behind me in my office to keep me on track each month. It is mostly there as a checklist to make sure nothing gets missed in one of the magazines. But without that master list there would be things missing from one or more magazine that should have been there. Then there are my mental lists of things I would like to do, things like movies I want to watch and books I want to read. I started to buy books theorizing that if I had them in front of me I would remember to read them. What actually happened is that I have a stack of books by my bed waiting to be read. The guilt is enormous. The movie list is just a mental checklist. I see a preview and think, “Oh I would like to watch that when it comes out!” Of course by the time the movie is available I have completely forgotten about it. I was scrolling through Netflix or Hulu, or one of the other online streaming services a couple of days ago and I came upon the movie The Meg. This movie is an update of the Jaws movies with a giant shark that terrorizes the locals. There is the ubiquitous beach full of tourists to churn through and the boat with well intentioned researchers to upend and eat. My favorite part was when they had finally caught and killed the monster after a terrifying chase scene. They were basking in that post victory glow and one of the scientists noticed that the bite of this shark did not seem to be big enough for the prints it had left on their underwater research facility. 4

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Dum dum duuuum!!!! A new and even bigger shark leapt over their boat, eating several people and a chunk of the dead shark. Classic.

As much as I enjoyed the movie I have to admit it was truly terrible. Just awful. From the acting, to the plot, to the enhanced computer graphics. Nothing was ever going to be award winning. And yet I enjoyed the heck out of it. Partly because I love kitschy movies like that but mostly because it meant I could check it off my movie list. Finally I can get to the next thing on my list. What is that you ask? Well I am going to pop some popcorn and cozy up with another wild ride, The Crown. Sure it may not have as much blood but it is just as vicious in its own way. Catherine Uretsky Editor, Viva magazine catherine@estrellapublishing.com 623-594-9283

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December 2020

Business 411 When A Recession Comes, Don’t Stop Advertising.

There have been a number of studies going back nearly one century that point out the advantages of maintaining or even increasing ad budgets during a weaker economy. Those advertisers that maintained or grew their ad spending increased sales and market share during the recession and afterwards. As a popular adage says, “When times are good you should advertise. When times are bad you must advertise.” There are several reasons to advertise during a slowdown. • The “noise level” in a brand’s product category can drop when competitors cut back on their ad spend. It also allows for advertisers to re-position a brand or introduce a new product. • Brands can project to consumers the image of corporate stability during challenging times. • Studies have shown that direct mail advertising such as community magazines, which can provide greater short-term sales growth, increases during a recession. • When marketers cut back on their ad spending, the brand loses its “share of mind” with consumers, with the potential of losing current – and possibly future – sales. An increase in “share of voice” typically leads to in an increase in “share of market.” An increase in market share results, with an increase in profits.

pricing can return. For some advertisers that don’t give cost incentives, they can change the ad message to being expensive but worth it. Another creative strategy is pointing out the value the brand provides. Although the natural inclination for advertisers is to cut back on advertising during a recession, those brands that maintain their ad budget and/ or change their messaging can get a long-lasting boost in sales and market share. Perhaps the best quote about advertising in a recession came from Sam Walton, the founder of Wal-Mart. When asked, “What do you think about a recession?” he responded, “I thought about it and decided not to participate.” -----------------------------We at Estrella Publishing are open for business and here working overtime to support our clients and potential future clients with their marketing strategy. Call / text 623-594-9283 with any questions

Another strategy used by marketers is changing the ad message and using short-term price incentives to match the economic climate with consumers who are seeking a good deal. Some advertisers will offer interest-free loans, coupons or special promotions to boost sales and market share. When the economy bounces back, regular Estrella Publishing - Viva magazine

December 2020

WEâ€™V MOVE E D! ARIZONA LEGAL DOCUMENT PREPARER #81763

12-31-2020

No contact estate plan.

During this pandemic,we are LOWERING OUR PRICES so everyone can get the documents they need.

Estrella Publishing - Viva magazine

Write a living trust. It allows you to AVOID PROBATE entirely because the property and assets are already distributed to the trust.

December 2020

Pet Health

You’ve probably heard the buzz about probiotics helping to support gut health for humans - but did you know that probiotics can also help support the health of your pet? It turns out that both dogs and cats can benefit from probiotics as a regular part of their overall healthy, nutrientrich diet. How do probiotics work? The intestines contain billions of bacteria that are collectively called the “microbiome.” When an imbalance exists in the microbiome, it can cause digestive upset, leading to unpleasant symptoms - including excess gas or loose stool. That’s where probiotics come in. Probiotics are live, beneficial bacteria that help promote balance in the intestines - for humans and animals alike. As senior research nutritionist at Purina, Dr. Gail Czarnecki-Maulden, PhD, explains, “Probiotics decrease the pH in the gut and help the good gut bacteria thrive.”

What are the long-term effects of taking probiotics? Some probiotics work faster than others, and the long-term effects may also vary, depending on the strain of probiotics and what it is being used for. According to Czarnecki-Maulden, it can take anywhere from one or two days to several weeks to see results from probiotics given to your pets - and it depends on the specific probiotic strain and its intended benefit. How can you choose the right probiotic for your pet? There are several different options when it comes to probiotics for your animal companion. Some probiotics come in the form of a supplement, while others are added to pet food to provide their benefits through your pet’s diet.

What are all the benefits of probiotics? In addition to helping the good bacteria thrive to reduce digestive problems in dogs and cats, probiotics also offer other benefits. One key benefit is that probiotics can support immune health. “Most of our immune system is located in the digestive tract,” says Czarnecki-Maulden. “This creates lots of opportunities for the good bacteria to interact with immune cells and support immune health.” Another benefit is connected to dogs displaying anxious behavior. A specific probiotic strain, found in Calming Care from Purina Pro Plan Veterinary Supplements, has been shown effective in helping dogs maintain calm behavior and cope with external stressors like separation, unfamiliar visitors, novel sounds, or changes in routine and location. Estrella Publishing - Viva magazine

Along with the right probiotic strain, the number of “live” bacteria also matters. Regardless of the probiotic selected and used, the product must contain an efficacious amount to exert its positive health benefits for the pet. While probiotics do offer numerous benefits, they aren’t suitable for every pet or for every situation. In some circumstances, like for animals with a significantly compromised GI tract or who may be undergoing treatments like chemotherapy, the decision to start probiotics should be made only with your veterinarian’s advice.

December 2020

Yum Yum

Prosciutto-Wrapped Shrimp with Smoked Paprika These are lavish-looking appetizers suitable for any party or get-together with your family. Prep time 15 minutes; Cook time 6 minutes; Total time 21 minutes Ingredients 1 tablespoon extra virgin olive oil 1 and 1/2 teaspoons smoked paprika 1/2 teaspoon freshly ground black pepper 1 pound jumbo shrimp (16/20 pound), shelled and deveined with tails left on 4 ounces very thinly sliced prosciutto sliced lengthwise into 1/2-inch strips

Instructions Preheat broiler and place cooking rack about 4 inches below heat source. Spray rimmed baking sheet with nonstick cooking spray, or line with parchment paper. In a small bowl, combine olive oil, paprika, and pepper. Add shrimp and toss until coated with the seasoned olive oil. Wrap each shrimp with a strip of prosciutto, spiraling it up the shrimp until the shrimp is encased. Place shrimp on the prepared baking sheet. Broil for 3 minutes until the tops are crispy, then turn and broil for another 3 minutes until the other side is browned. Serve with little napkins, with the crispier side up. Serves 6.

51 Years

Estrella Publishing - Viva magazine

December 2020

Help Local Seniors Did you know that by 2040, 20% of Americans will be 65 and older? As the population of older adults increases, it’s crucial to recognize and celebrate the rich depth of experience, talents and unique perspectives of such a large segment of the country. Yet, all too often, older people are overlooked and undervalued. How to connect with seniors in your community 1. Call every week Make it a regular habit to call your older friend, neighbor or family member each week, so they have a friendly conversation to look forward to. Ask them about their life, and tell them stories about yours. Gelb says this is an activity SCAN encourages by offering employees paid time off to volunteer.

2. Offer to pick something up Offering to get some groceries or a prescription for an older person can make their lives a lot easier. Don’t wait to be asked for help, as someone living alone may be reluctant to reach out. Just call and say, “I’m heading out to the store - can I pick something up for you?” 3. Help them stay safe Make sure any vulnerable person you know has face masks, hand sanitizer and the ability to order or ask for what they need. Mask up and offer to help them sanitize their doorknobs and phone after you drop by with a delivery. Help them use video conferencing to communicate with family members or friends. 4. Find ways to keep them engaged Drop by with a care package containing things they might like to do: a jigsaw puzzle, a deck of cards, large print books or crosswords. If you’re a good cook or have a green thumb, bring them a sample of your latest dish, offer to help with yard work, or bring them a plant that’s easy to care for - and that gives you a reason to stop by to check on them next time. 5. Be their tech support To communicate with the outside world, older people may have to rely on smartphones, computers or tablets that can sometimes be complicated or confusing to use. Teach them how to use apps like Zoom, set up a charging station for their phone or tablet, reboot devices so they run better - or just ask if they’re having any problems accessing their email or using their phone. Making a regular connection, especially with someone who lives alone, can have a huge impact on their overall well-being. To explore more ways to help seniors live a more fully engaged and connected life, visit SCAN’s Volunteer Action for Aging page at Scan. Samaritan.com.

Estrella Publishing - Viva magazine

December 2020

Be A Good Citizen Whether working from home for the first time, or simply trying to connect online with relatives, our newfound pandemic-driven remote lifestyles are creating a completely new relationship between ourselves, our homes and our technology. Regardless of your current work/home situation, we can all be better virtual remote citizens to ensure a less stressful, more fruitful experience. #1: Practice proper Zoom etiquette A great start is to be sure to mute your microphone when you’re not speaking to avoid adding background noise to a group meeting. This may sound obvious, but it’s something we often forget. Eating meals while in Zoom meetings is also not recommended, even if a meeting is scheduled over lunch. Let’s face it, nobody wants to see that. This, along with other multitasking, makes for poor attentiveness in potentially critical meetings. When you focus on one activity at a time, you’ll be more engaged in the conversation and retain information better. #2: Set up your home for success For those of you dealing with spotty Wi-Fi, now

is the time to take advantage of Wi-Fi monitoring products that typically come with your internet service. These apps let you manage your bandwidth more effectively, check your connection speed and analyze the overall state of your Wi-Fi network. #3: Take security into your hands Be vigilant about what you’re downloading and the tools you’re using and monitor what is happening on your system. For example, think twice before downloading that cool Zoom background or filter; it could end up crashing your system, damaging your camera or worse. #4: Set boundaries and show respect As 2020 shatters the boundaries between the office and home, many of us find ourselves working constantly and answering emails into the wee hours of the night. In this new era, it is crucial to evaluate your work-life balance. This can help everyone feel less overworked, leading to a more positive mindset throughout the rest of the day. In the end, all of us are trying to do our best. A simple act of kindness can go a long way to helping you become a better remote citizen. Come see us at our new store!

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December 2020

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December 2020 11

Lessons In Resilience Billionaire Mark Cuban was fired from his first job in software. Actress Jameela Jamil endured three life-changing medical diagnoses before breaking big in Hollywood. Musician John Legend was receiving unemployment checks while waiting for his big break. Life is rarely linear or straightforward - even for some of the most successful people in the world. From minor speed bumps to cavernous potholes that force an abrupt U-turn, everyone experiences significant disruption to what they had imagined their life might look like. For many of us, 2020 has been one of those years. “From the pandemic to the recession to racial injustice to the election, the big, crazy stories of this year have affected everyone’s lives in very real and often very distressing ways,” says Carlos Watson, a journalist, entrepreneur and CEO of cutting-edge media company OZY. “It’s a very trying time for people across the country and the globe - and it might well continue for quite some time,” continues Watson.

As everyone across the globe faces their own Defining Moment this year, there are several lessons we can all take away to help us find hope for a way out of difficulty. Here are just a few: 1. The power of being broke The importance of perseverance - the determination to keep trying, keep learning and keep perfecting your craft, even when things aren’t going your way - is something most hugely successful people emphasize. From selling garbage bags door to door as a teenager to moving to Dallas without a job or a place to live, Mark Cuban has always been hustling. “I was always healthily afraid,” says Cuban. 2. Difficult personal circumstances may have silver linings Sometimes an unplanned change in life circumstances can precipitate a positive reevaluation of personal goals - whether that unexpected event comes in the form of a medical emergency, mental health issue, job loss or freak accident. For Jameela Jamil, it was all four. While her life has been shaped by a cancer scare; a battle with body dysmorphia; and cursing during her first live TV appearance, it was a life-threatening car accident at age 17 that was the biggest turning point in her life.

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For more inspiring insights to help you make sense of this challenging year, binge the entire first season of Defining Moments With OZY - now streaming on Hulu.

December 2020

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December 2020 13

Non-Stress Estate Planning Estate planning does not need to be complex or confusing. You deserve to have your questions answered when they arise. Your documents should be helpful when you need it most. On-line services and computer forms simply do not address the variety of issues that might arise as we do in our office.

The court process of probate can be avoided with a revocable trust for some, but others can utilize a beneficiary deed with more ease. Privacy laws can prevent you from being assisted by your spouse, trusted friend or family member. Powers of attorney give the right person the legal authority to help you. We make sure you have the correct power of attorney you need, including for finances, medical health care or mental health care. Inheritances for minors, whether children or grandchildren, can be

bogged down by a court conservatorship when a trust is not used. A court conservatorship is more costly and burdensome than a probate. The trusts we prepare address the needs of minors to avoid court conservatorship and if necessary provide incentives for education and employment. A good estate plan provides centralized management for your assets if you are incapacitated or upon your death. Our documents are drafted to provide the benefit of avoiding avoid obstacles and disputes whether you have multiple beneficiaries or one special heir.

Sharon Ravenscroft, Esq., The Cavanagh Law Firm, PA, Sun City and Phoenix offices, (623) 815-7451 or Sravenscroft@CavanaghLaw.com. Sharon’s practice focuses on Wills, trusts, probate and trust administration. For more information www.sharonravenscroft.com. Ask us about our telephonic conferences or in-person meetings with social distancing protocols. We address the safety levels and concerns of each client.

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December 2020

The Benefits Of Plants Flowers and plants are staples in many American homes, adding to the style and aesthetic of virtually any space. While the visual benefits of plants are widely embraced, many people are unaware of the ways plants can support mental and physical well-being, too.

* Control humidity levels * Reduce indoor pollution levels * Reduce airborne dust levels * Add oxygen to the air

Plants are believed to calm and promote healing in people of all ages. In fact, just looking at Have you ever noticed that when you visit pictures of plants can have a positive impact. a garden or park, you instantly feel at ease? The reason? Scientists believe that the calming Greenery has the innate ability to calm and effects of nature images can reduce cortisol reduce stress. The sights and smells promote levels and improve mood, effectively speeding calm and a feeling of escape, which is particularly up the healing process. important during times of stress. Of course live plants are the ideal. A Journal Because many people are now working from of Alternative Complementary Medicine article home and children are attending school found that patients recovering from surgery remotely, add plants to office and study spaces with plants and flowers in their room have to reduce stress and make the space more experienced: welcoming. Plants suitable for a home office * Lower blood pressure and heart rate should be easy to maintain, and will not take * Lower ratings of pain, anxiety and fatigue over the space. For example, a hanging plant * Fewer intakes of pain medication that wonâ€™t use up valuable desk space can add a welcome touch of green. Whether youâ€™re recovering from an illness or simply want to promote the overall wellness Plants can improve air quality by decreasing the of the people who live in your home, consider levels of volatile organic compounds (VOCs) in placing plants throughout the most-used spaces the air by up to 89%, according to a report by to reap the benefits. the NASA Stennis Space Center. VOCs are commonly found in household items and paints, and include formaldehyde, benzene and trichlorethylene, among others. Many green houseplants have the ability to: * Reduce carbon dioxide levels in a home Estrella Publishing - Viva magazine

December 2020 15

Gifts To Share It’s no secret this year’s holiday season is bound to be different. But what hasn’t changed is the search for unique gift ideas - and fun new activities - to share with the ones we love, whether we’re together or apart.

If you want to make an impression on your family and friends this year, it’s time to think outside the gift box. What can you do to make the holidays memorable for hard-to-shop-for relatives and friends? How can you find special new ways to connect with them, even from a distance? Here are a few ideas to get you started: 1. Create a unique story, photo album or scrapbook project Want to gift something truly special? Put together a photo album or make a scrapbook of shared memories you can send to someone as a memorable, one-of-a-kind keepsake. Collaborate with other friends or family members if you can - it will turn the project into a group experience you’ll all treasure. Use mail, email or hand delivery to pass items along so everyone in your group can contribute before the completed project is ready for the recipient to enjoy. 2. Share the gift of language Do you have an aunt who’s always wanted to learn Italian, or maybe your dad loves to tell stories of his long-ago trip to Japan? Now’s the time to provide them with the opportunity to explore - or refresh - their language skills with an immersive language app like Rosetta Stone. Even better, make it a family affair! Giving a language-learning app to several family members is a great way to explore your family’s cultural heritage. It might even be the first step in a future trip together. As part of your gift, schedule virtual events to “meet up” and practice your language skills as you learn together. 16

Estrella Publishing - Viva magazine

3. Explore the world of multi-player video games Even for people who think they don’t like video games, there’s a gaming experience out there for everyone. Plenty of family-friendly, multiplayer games can make for fun and memorable group activities for all ages. Try easy games involving scenarios that don’t require in-depth gaming knowledge or a long, complicated setup to get going. For example, games where you race alongside one another, manage a farm or build houses in a village full of talking animals have been popular in recent years. Games like these are low-stress ways to pass the time that can cross generations. And thanks to online features, many can easily be played together even if you’re far apart. 4. Stream movies together Thanks to today’s technology, there are many ways to view family favorites or holiday classics together, even when you’re not in the same room. Several movie streaming services and apps provide options for people to view the same content at the same time - some even allow you to see your viewing companion while you watch, just like you’re in the same room. The only tricky part will be getting everyone’s bag of popcorn to pop simultaneously. If your friend or relative can’t stream with you, gift them a subscription to the service or show them how to set it up alongside yours. Making it work so you can enjoy a movie together will be the perfect gift to share. This holiday season, make your gifts all about creating quality time together - from anywhere and in any language!

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December 2020

We’re Family That comes with a promise

While times have changed, our promise hasn’t. We believe it’s never been more important for seniors to love the communities they call home, and we’re committed to doing everything possible to achieve just that.

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December 2020 17

REVERSE MORTGAGE* No mortgage payments for life Consolidation debt, home repairs and much more without payments Home equity line of credit Money received is non-taxable Insurance built into the loan to protect both you and your family Purchase and Refinance options

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REVERSE MORTGAGE FAQ'S Will the government or lender own my home?

Can my family member have ownership in my home if I should pass?

NO! The homeowner(s) who occupy the property will remain on title and have full ownership. The reverse mortgage is simply a lien recorded against the property, just like any other mortgage.

Yes! The owner(s) may add other family members or place the home in a trust, so family automatically has ownership in the property and equity as well.

Will my family be responsible for the debt?

If I take out a reverse mortgage, does that mean I will leave nothing to my family?

NO! A reverse mortgage is a non-recourse loan, so if your value ever falls below what you owe, your family will never have to pay the deficiency.

You must own your home outright in order to do a reverse mortgage! FALSE! You may already have existing mortgage, which can be refinanced and paid off with the reverse mortgage. A reverse mortgage could

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480-405-6258

Manufactured Homes Eligible

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Call the Deborah Stewart Team at AZ Home Loans today and find out which reverse mortgage option is best for you!

Estrella Publishing - Viva magazine

be just what you need!

NO! Reverse mortgages have insurance automatically built in to protect the family. Most homes continue to increase in value over time leaving even more equity for family. Even if the property value should decrease below what is owed, the family can acquire the property for 5 percent less than market value regardless of how much is owed or how low the value may be.

December 2020

Useful Numbers EMERGENCY SERVICES Emergencies (Police / Fire) Police Non-Emergenc Fire Department Non-Emergency Fire Dept. (Snake Removal) Poison Control Center

911 623.932.1220 623.932.2300 602.253.1190 800.222.1222

HOSPITALS - MEDICAL Banner Estrella Medical Center Cancer Center of America Abrazo West Campus

623.327.4000 800.268.0786 623.882.1500

CITY OF GOODYEAR City Hall Code Compliance Finance Department Graffiti Removal Public Relations Public Works

623.932.3910 623.882.7815 623.932.3015 623.882.7815 623.882.7820 623.932.3010

POST OFFICES Avondale Post Office Goodyear Post Office Litchfield Park Post Office

623.925.2664 623.882.9148 623.935.2087

LICENSES Drivers & Plates Vehicle Emissions Station

602.255.0072 887.692.9227

PUBLIC UTILITIES APS - Electric Company Cox Communications Centuary Link Telephone Southwest Gas Company Trash Pick-up Water/Sewer

602.371.7171 623.594.1072 480.428.1290 877.860.6020 623.932.3010 623.932.3010

COMMUNITY SERVICES Eagle’s Nest Clubhouse Eagles Nest Fitness Center Eagles Nest Golf Club Expressions Gallery Kare Bears House PebbleCreek Main Gate Patrol Toscana’s Restaurant & Lounge Tuscany Falls Clubhouse Tuscany Falls Fitness Center Tuscany Falls Golf Club

623.935.6780 623.935.6783 623.935.6750 623.935.6744 623.536.1200 623.935.0387 623.935.0387 623.935.6753 623.935.6720 623.935.6740 623.935.6757

FEATURED LISTING

$450,000

3250 N. 150 th Drive 2 Bed & 2 Bath | 1,849 sqft. Come see one of the best panoramic views in PebbleCreek! Fully furnished, popular Palmera model, located on the 18th fairway of the recently renovated Eagle’s Nest Golf Course.

“Experience a Higher Standard of Service” PEBBLECREEK RESIDENT REALTORS®

SUE BURKHARDT 623.853.5878 | BurkhardtTeam@gmail.com

JESSICA BURKHARDT 623.695.7776 | jbb.azrealty@gmail.com

VIEW ALL PEBBLECREEK LISTINGS AT www.BURKHARDTTEAM.com TODAY!

Dominick Santalucia Branch Manager - Team Leader NMLS ID 204938 (602) 524-2421 dominicks@fairwaymc.com (623) 321-5816 www.SantaluciaTeam.com Download the FAIRWAYNOW app to apply now

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FIMC NMLS #2289 AZ License #BK-0904162 20359 N. 59th Ave., Suite 100 | Glendale, AZ 85308

December 2020 19

Puzzles & Games

Name ______________________________

A crpytolist is similar to a cryptogram, except that it is a list of coded words, rather than a quote or sentence. The text below has been written in code. Use the hints in the decoder at the top of the page to help break the code (the letters on top are the correct answers, the letters on the bottom are the code). Then fill-in the correct letter in the blank space above each code letter in the text.

A B C D E F G H I

A B Y D W X R J

J K L M N O P Q R S T U V W X Y Z

I N L

N Z K Y X F O Z X Q B C X J Q B Y T N J X K N Y I B J J B F

S X U R Y Q

I N L

P B Y M N R R Q Q R L

R J K B S N A B

Z F R Y R M

M B B K S B

Q N Y F R Z

G R U B S S B

F R T B S 20 Estrella Publishing - Viva magazine ÂŠ www.puzzlebookninja.com -1-

December 2020

Samurai Sudoku for December Samurai sudoku puzzles consist of five overlapping sudoku grids. The standard sudoku rules apply to each 9 x 9 grid. Place digits from 1 to 9 in each empty cell. Every row, every column, and every 3 x 3 box should contain one of each digit. Samurai Sudoku Puzzle #21 Good Luck! Solutions are on our website www.EstrellaPublishing.com This samurai sudoku puzzle is a great way to engage the brain and help develop logic skills. There are 5 overlapping grids with one unique solution. Each of 4 corners are shaded. 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.

9 7 4

9 5

8 6

3 7

6 9

1 4

2 9

7 4

6 3

9 6

4 1

3 5

3 1

6 5

7 2

3 4

4 2

2 2

4 4

8 7

5 3

8 4

Samurai sudoku grid, symmetric, beginner No 21 Created: https://www.sudoku-puzzles-online.com

Estrella Publishing - Viva magazine

December 2020 21

Business Directory ADVERTISING Viva Magazine

623.594.9283

AUTO SERVICES Daniel’s Total Car Care Earnhardt Auto Glass Litchfield Auto Repair

623.873.0949 623.463.4371 623.882.8700

Desired Handyman J&H Appliance Repair The Window Cleaner AZ Yourson Contracting

623.910.5183 623.925.5427 623.738.6064 623.582.4477

480.405.6258 623.815.7451 602.524.2421 623.974.2272 State Farm Insurance - Tina Gremillion 623.386.7767 The Insurance Lady 602.799.8410

LANDSCAPING & POOL CARE Buckeye Desert Landscape West Valley Rock

602.527.2818 623.386.8777

PET CARE Gentle Hearts Animal Hospital

623.298.4200

HEALTH & BEAUTY Healthy Life Family Medicine Permanent Make Up by Kari

623.889.3477 602.295.7373

HOUSEHOLD SERVICES Al’s Plumbing Atlantic Relocation Systems Beckham Electric Century Glass & Mirror College Hunks

623.329.5170 602.352.6683 480.370.1014 623.444.6204 480.263.3044

REAL ESTATE Give Up My Timeshare Realty One Group - Burkhardt Team Realty One Group - Donna Strand Realty One Group - Karen Reuland Realty One Group - Mary Couzens Team Realty One Group - Sopie Shrum RE/MAX Professionals - Klackle Team The Groves West USA Realty - Mary Ann Evans

833.344.8387 623.853.5878 623.271.0518 623.262.4523 623.536.0909 816.718.2621 623.261.9943 623.244.2972 602.652.3709

RECREATION & RETAIL Estrella Ordnance Pure Patio Screen Moblie

623.262.2154 623.299.8000 602.438.8485

FINANCIAL & LEGAL SERVICES AZ Home Loans - D Stewart Cavanagh Law Firm Fairway Mortgage - D Santalucia

Digital and Phone Appointments now Available! The nal gi Ori

MAUREEN WILSON

The Insurance Lady, LLC

• Medicare Advantage • Medicare Supplement • Dental Plans • Rx Plans

(602) 799-8410

maureenwilsoninsurance@gmail.com

Estrella Publishing - Viva magazine

December 2020

Merry Christmas from our families to yours! Thank you for your business and helping us celebrate another record year of sales in PebbleCreek. ~ Apryl, Maureen, Gale, Corrie, Brittany and Karen HOLIDAY TOY DRIVE Mark your calendars for Saturday, December 5th, 10 - 1 Please bring a new, unwrapped gift to Eagles Nest parking lot (across from activities oﬀice) Proudly sponsored by The Pebblecreek Real Estate Group in partnership with the Goodyear Fire Dept (All donations will be distributed by the fire department in conjunction with the City of Goodyear FILL-A-NEED program for families in our community) BRING A SMILE TO A CHILD THIS SEASON!

Estrella Publishing - Viva magazine

December 2020 23

Call DonnaÂ 623-271-0518 or Carrie 623-522-7105

Estrella Publishing - Viva magazine

December 2020