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VIVA A magazine for PebbleCreek residents

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January 2021

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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

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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.

tt 6/30/2021

Estrella Publishing - Viva magazine

January 2021

Exquisite Exquisite Properties Properties Exceptional Exceptional Presentation Presentation Extraordinary Extraordinary Results IfIf you you are are selling selling your your home, home, CALL CALL ME MENOW NOWfor foraaFree FreeMarket Market Analysis Analysis of of your your property. property.

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Living, Working & Selling in PebbleCreek PebbleCreek Statistical Statistical Market MarketAnalysis Analysis––286 285Homes HomesSold Soldfrom from12/08/2018 11/01/2018to to12/08/2019 11/01/2019 PebbleCreek 272 Homes Homes Sold Sold from from12/08/2019 09/30/2019to to12/08/2020 09/30/2020 288 ##Listings Listings List ListVolume Volume

2018 2018 to to 2019 2019

285 286

Year YearOver Over Year YearSales Sales

288 276

List List$$

Sold Sold$$

112,073,679 210,000 112,518,685 109,425,595 109,898,195 Low Low 150,000 150,000 210,000 Avg 389,949 Avg 393,241 393,422 384,259 High High 1,099,000 1,099,000 1,085,000 1,085,000

Listings List ListVolume Volume ##Listings

2019 2019 to 2020 2020 to

Sold Sold Volume Volume

120,624,956 112,701,896 118,430,296 114,911,542

YearOver Over Year YearSales Sales Year

Low Low Avg Avg High High

List/ List/ Sold Sold

SQFT SQFT

List ListPrice Price Per PerSQFT SQFT

Sold Sold Price Price Per Per SQFT SQFT

Agent Agent Days Days on on Market Market

Total Total Days Days on on Market Market

0.83 0.83 0.98 0.98 1.68 1.68

1,136 1,267 2,042 2,032 3,700 3,700

69.64 69.64 194.66 195.55 324.00 324.00

102.82 102.82 190.57 191.31 319.87 319.87

00 76 74 477 477

00 81 79 507 507

List$$ List

Sold$$ Sold

List/ List/ Sold Sold

SQFT SQFT

List List Price Price Per SQFT SQFT Per

Sold Sold Price Price Per SQFT SQFT Per

Agent Agent Days Days on Market Market on

Total Total Days Days on Market Market on

210,000 210,000 418,837 413,351 890,000 890,000

212,000 212,000 411,216 405,403 870,000 870,000

0.90 0.90 0.98 0.98 1.04 1.05

1,136 1,136 2,075 2,067 3,503 3,503

107.56 107.56 204.13 201.84 332.08 332.08

101.23 101.23 200.51 198.07 325.00 325.00

00 71 71 397 397

00 74 75 597 597

Dec 8, PebbleCreek 2020 PebbleCreek - 36 Active Listings $289,900 Priced from 289,900 to $640,000 Nov 9, 2020 - 37 Active Home Listings to $$884,999 37 Homes Ranging from $279,900 to $884,999 39 Homes Under Pending Contract Sales & Pending Sales from $272,000 to $650,0000 December 99 ,, 2020 2020 –– Market Market Snapshot Snapshot November

Congratulations home inventory record Congratulationsfor forsurviving surviving the the incredible incredible challenges challenges of of 2020. 2020. The We lack wishof you a Healthy New&Year. Welow areinterest praying for the end topushing this pandemic and the return of a normal The lackhome of home & record interest rates are still home prices here to new records.world. The median priceinventory in Phoenix valley low hit another rateslast aremonth still pushing homeyear prices here toincreases. new records. The median home price in Phoenix valley hitwith another high with record over year Amazon is delivering 1000 jobs to West Valley two high last month another recordayear oversq year price increases. Amazon is delivering to West major facilities in with Goodyear including 855,000 ft four story robotics fulfillment center plus a1000 storejobs in Avondale. Valley with two major facilities in Goodyear including a population 855,000 sqgrowth. ft four story robotics center plus a Phoenix continues to be in the top 5 US metro areas for The need for fulfillment home offices is causing store in Avondale. Phoenix continues to be in the top 5 US metro areas for population growth. The need for home many buyers to look for larger homes. 82% of Valley homes are primary homes, not investment properties. Builders offices is causing many buyers to look for larger homes. 82% of Valley homes are primary homes, not investment are experiencing supply issues for materials appliances, delaying& delivery of new construction properties. Builders arechain experiencing supply chain&issues for materials appliances, delaying delivery homes. of new Sales Activity for existing homes is fast paced, new homes sales are breaking records & new home inventories construction homes. Sales Activity for existing homes is fast paced, new homes sales are breaking records & new are low.inventories If you areare considering selling your home, selling this is an excellent timeistoan proceed. I use Covid 19 protection home low. If you are considering your home, this excellent time to proceed. I use procedures while showing your property. If youyour haveproperty. questions, or buying are a home, please call or email Covid 19 protection procedures while showing If are you selling have questions, selling or buying a home, me. I am a full time career I live and workrealtor, here. I Iam available have a complete support teama please call or email me. I realtor, am a full time career livereadily and work here.and I am readily available and have complete teamrepair of lenders, inspectors, repair vendors, title specialists- & moving companies you of lenders,support inspectors, vendors, title specialists & moving companies everyone you need to- everyone support your need to support your a transaction. have activities a new normal in daily safety activities with masks, measures & safe transaction. We have new normalWe in daily with masks, measures & safesafety distancing. There will distancing. Vaccines are being administered. Stay Safe,tested. Wear AStay Mask, Wipe Down Everything You Bring Home, new public health guidelines & new vaccines are being Safe, Wear A Mask, Wipe Down Everything Practice Call, Distancing. text or emailCall, me anytime, I am here for you and love toand work with you. is You BringSocial Home,Distancing. Practice Social text or email me anytime, I amI would here for you I would loveItto my goal to help you maximize the return on your real estate investment with a discount on your listing and pricing work with you. It is my goal to help you maximize the return on your real estate investment with a discount on your to current market trends. Happy Holidays to you and your family. listing and pricing to current market trends. Happy Holidays to you and your family.

International Internet Internet Marketing Marketing •• Print Print Advertising Advertising •• Active Active Daily Marketing International Call NOW NOW (602) (602) 526-3709 526-3709 Call

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Ranked ## 21 Producer Producer out of 400 Agents Ranked WestUSA Realty Realty Goodyear WestUSA January 2021 3

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From Me To You... You know that feeling you get when something bad happens, or is about to happen? The pit in your stomach. The feeling that you have a gaping chasm opening up inside and all hope is lost. A sense of impending doom.

youth I have felt misgivings. A sense that something was not quite right. Perhaps it was that person walking towards me or a noise behind me. I learned to trust those instincts and duck into a storefront or cross the street to a well lit area, or to just book it out of there as fast as I could. Living in New York in the early 90’s you learned to be street savvy pretty quickly.

Quite dramatic I know, but about this time last year I felt that all was not well in the world. I talked to my husband about it at the time, dismissing it as worrying for no good reason. Well it turns out that maybe I did have a good reason. Not that I knew Covid-19 was going to cause a global pandemic and turn our world inside out forever. But I knew, deep down, something was ‘off’.

Now my instincts revolve more around my children. Even though they are mostly grown up and living a life away from home I still get uneasy when I know they are driving long distances, or even just driving late at night. My parental radar goes into overdrive and nothing is right until I know all my ‘babies’ are safe. Silly, right? There is nothing I could do to help them if they did get into trouble, but nevertheless I am on high alert.

We often have these gut feelings and as a woman I know them well. Although it took living in America to bring them out of me. Walking down a dark, deserted street at night in my

Perhaps it is also because my children are still in the phase of their lives where they truly believe themselves to be indestructible. The feeling that they can conquer the world and nothing can harm them. Perhaps that is because I have been in front of them, every step of the way so far, clearing the path and reducing the risks, checking for danger before they see anything amiss. Perhaps it is endemic in all young adults. Whatever the reason it is an important right of passage. Without that lack of fear I would never have blazed a trail across the world, bringing me to this country and creating the life I have now. So pay attention to that little voice in your head — but don’t let it stop you from conquering your own challenges and getting the life you want. Catherine Uretsky Editor, Viva magazine catherine@estrellapublishing.com 623-594-9283

Estrella Publishing - Viva magazine

January 2021

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.”

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.

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 Call / text 623-594-9283 with any questions 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. 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

January 2021

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Estrella Publishing - Viva magazine

January 2021

Adopt A Pet

Before you foster or adopt - and especially when considering a pet as a gift - it’s best to make sure you’re ready not just for the fun and companionship pets can bring, but also for the responsibilities. Preparing thoughtfully in advance will ensure you and your new pet are happy and comfortable at home. “This year has been so unexpected, but one constant is that animals always bring positivity and comfort,” says veterinarian Dr. Marty Becker, founder and CEO of Fear Free, in partnership with BISSELL. “If you’re preparing to adopt or foster a pet, it’s important to ease their transition into your home.” Here are questions to ask before bringing a new furry friend home. 1. Does your living situation allow pets? If you live in a rental, there are likely animal rules. Even if pets are allowed, additional fees might be added to help pay for possible damage or cleaning. Be sure to identify any such limitations before adopting or fostering a pet.

at home. However, since we might not always be remote, it’s important to plan for changes in schedules down the road. Will there be time in your family’s schedule in the future, so your pet will have all of their needs met - including companionship and attention? Consider adding special comfy beds or leaving a radio on to help your pet adjust to being home alone. Get them gradually used to being on their own by taking short outings without them - leading up to the time when family members need to return to the workplace. 4. Can you create a relationship with a veterinarian? If you don’t already have a veterinarian in mind, start looking for one in your area. Ask pet-loving friends, neighbors and family for recommendations. Neighborhood social media groups often have great suggestions, too. Once you find a vet, call ahead to inquire about wellness visits, and establish a relationship so you’re prepared.

Also, make sure there’s room for your pet to have their own space. “One immediate change you can make in your home is to create a dedicated space for your new pet with bedding, food, water and toys to help them feel safe,” recommends Becker. 2. Do you have everything you need? With pets come supplies: food and dishes, toys, bedding, litter boxes (for cats), leashes (for dogs), plus cleaning supplies. Make sure you’re prepared with enough funds to support the ongoing needs of your four-legged pal. 3. Will you have time to spend with your pet? Now it may feel like you have plenty of time to take walks, play with pets and cuddle, especially while family members are working and learning Estrella Publishing - Viva magazine

Spending time preparing now will create more time to relax and play with your new best friend later. Being a pet parent is a rewarding gift especially now - because it offers opportunities to increase your capacity for responsibility, compassion and play. And if you’re fostering, you’ll have the special opportunity to prepare a pet for their future forever home. January 2021

Napa At Home From canceled plans and trips to work from home and beyond, you’ve likely had to sacrifice a lot in 2020. But while you’re staying at home and doing your best to be safe during a pandemic, there’s one thing you shouldn’t have to compromise on - high-quality wine. And if you’re a seasoned wine drinker, you know that Napa Valley is the place to be.

“Napa Valley’s reputation is globally recognized, but its output is remarkably small,” says Elizabeth Vianna, winemaker at Chimney Rock Winery. “We produce only 4% of California’s total wine production, but that 4% represents the very best California has to offer.” So, if you can’t have a travel adventure for the holidays this year, Napa Valley can come to you. Here’s how to bring a little luxury to your life and experience wine country without ever leaving your home.

1. Set the mood with music Turn up the music and get ready to relax. Choose your go-to wine tasting playlist or search for one that’s already been created wherever you listen to music. It’s all about what gets you in the wine-tasting mood. 2. Try a virtual tasting Escape to wine country with a virtual visit to prestigious Napa Valley wineries. You can even purchase wine to taste during the session that will be shipped directly to your home or can be sent to a loved one as a holiday gift. 3. Treat yourself to a cinematic getaway Wine and film share a profound link: the ability of a single sip or scene to whisk your senses away to a wholly different time and place. After all: Wine, popcorn and a good movie makes for a great time, any night of the week. 4. Get cooking If you were really exploring Napa Valley, you’d be feasting on fresh, local fare for every meal. Whatever you choose to cook or order in from your favorite restaurant, don’t forget to select wines that pair well with your food choices.

51 Years

Estrella Publishing - Viva magazine

January 2021

Out Of Pocket Costs Whether or not you stay up to mark the new year, an expensive reality hits many Americans on Jan. 1: medical insurance deductibles reset to zero and out-of-pocket costs go up. Along with co-pays and coinsurance, those outof-pocket costs can put essential medications out of reach. Many people are forced to choose between paying bills, their medications, and putting food on the table. But there are ways to cut those high out-ofpocket costs. The Patient Access Network (PAN) Foundation, a national charity that provides financial assistance to help people pay for their prescription medications, offers these tips for reducing your out-of-pocket costs for the lifesaving medications you need. Talk to your healthcare team. Be honest with your doctor and pharmacist about the challenge of affording your medications. It may be difficult for you to talk about your finances, but remember, your healthcare team is on your side. Let them know what you can afford and they may be able to tailor a treatment plan that fits within your budget.

Sign up for FundFinder. FundFinder is a free web-based app developed by the PAN Foundation that connects you with a charitable patient assistance foundation that could help pay the out-of-pocket costs for your prescription medications. Shop around. You’d be surprised how much drug costs can vary from pharmacy to pharmacy. Make a few calls to make sure you’re not paying more than you have to for the medications you need. And ask about discounts and coupons, like the NeedyMeds discount card, which could help you save up to 80% off prescription drug prices. Check your state’s assistance programs. Many states have assistance programs for residents who are having trouble paying for their medications. The first place to start is with your state’s department of health. They can tell you about the programs that are available and whether you qualify. They also may have information about other programs in your area that are designed to help people afford their medication.

Look into ‘Extra Help.’ Medicare beneficiaries may qualify for programs like, Extra Help, also known as the Low-Income Subsidy program. This program can significantly reduce your prescription costs. Ask for generics. Many name-brand drugs now have generic equivalents, especially if the drugs you’re taking have been on the market for a while. Generics are significantly cheaper than their name-brand versions. And don’t worry. Generics are run through the same safety and efficacy tests by the FDA to ensure their quality and effectiveness.

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Looking ahead to the new year should be full of hope, not worries about affording prescription medications. You can learn more about patient assistance charities like PAN and the ways you can get help paying for your prescription medical treatments at panfoundation.org. January 2021

Chronic Conditions? While some people with a COVID-19 infection may experience relatively mild symptoms, the disease is of greater concern for the 56% of Americans who may have at least one risk factor linked to an increased chance of complications.

Two increasingly common risk factors for COVID-19 are obesity and type 2 diabetes, which in some cases may be improved or even reversed with appropriate lifestyle modifications. As the COVID-19 situation evolves, it is important to recognize that daily decisions related to diet and activity may make a difference in the severity of infection. Research shows people with existing diabetes whose blood sugar is well controlled may require fewer medical interventions and are more likely to recover from COVID-19. Here are tips to consider related to obesity and type 2 diabetes amid the COVID-19 pandemic: Monitor your body mass. While body mass index (BMI) has potential shortcomings this calculation of height compared to weight may provide a

helpful measure to monitor. In fact, people with even moderately elevated BMI levels may have an increased risk of developing complications related to diabetes. Use interval eating. Also called intermittent fasting or time-restricted eating, this approach alternates periods of fasting and non-fasting during the day or across the week. People interested in this approach to eating should discuss it with their health care provider, as medication regimens may need to be adjusted. After-meal walks. People seeking to better control their blood sugar levels and weight should also consider short walks after eating meals or snacks. Whenever possible, make time for a 15-minute walk after each meal to help reduce the risk of blood sugar spikes. By considering these tips, these challenging times may serve as a catalyst for people to help improve their health and reduce the possible risk of complications from COVID-19.

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January 2021

Shop Local

that would most like items from that particular business. Go online: For small businesses that offer e-commerce options, be sure to consider online orders that ship directly to your home. This is a The COVID-19 pandemic has been difficult on safe and convenient way to support your favorite small businesses. Whether it’s a local eatery, retail businesses. store or another type of business, when you shop Shop in person: For businesses with physical small, you’re supporting a real person. locations, visit shops in person if you can use proper safety measures. If you know what you “Small businesses are the heart of our country,” want, many businesses let you order ahead and says Kris Malkoski, CEO of the Food Business opt for curbside or doorway pickup as well. Unit at Newell Brands. “We have been moved Consider gift cards: Not sure what to buy? Gift by the love our small business customers have cards are always one of the most desired gifts, so shown their communities this past year. Still if you need to send a little love to a loved one, many small businesses are facing hardships, and wrap up a gift certificate in a beautiful card and this holiday season, they need our support more feel good about your present choice. than ever.” Leave reviews: Online reviews can make a big difference for small businesses in expanding You can personally help make a difference by clientele. Go online and leave rave reviews considering 9 simple ways to support small for your favorite stores and why others should businesses: support them as well to help spread the word. Shop now: No need to wait for a sale or special Be vocal: In addition to online reviews, talk up event. By shopping now you’re putting muchyour favorite small businesses among friends. needed funds into a small business that is From independent restaurants to local service depending on income each month to make ends providers, use your voice as a powerful tool to meet and keep doors open. build their reputation and support growth. Reverse shopping: Rather than thinking of the Double up: For businesses like independent recipient and then where to shop for a gift, coffee shops or bakeries, consider a larger order. think of the shop first and then the recipients For example, go with that grande latte and order two dozen cookies to share with your neighbors. Be patient: Small businesses are dealing with a multitude of challenges these days, from supply chain holdups to sluggish shipping and beyond. Your kindness is valued and your patience is crucial during these times. “Actions big and small will help make a difference,” says Malkoski. “This is our time to give back to the businesses that help build our culture and communities.”

Estrella Publishing - Viva magazine

January 2021

Estrella Publishing - Viva magazine

January 2021

Non-Stress Beneficiary Deed To Avoid Probate

If you want one or two adults to receive your home or real estate upon your death, a Beneficiary Deed can be a non-stress way to avoid probate. A Beneficiary Deed is in essence a “pay on death designation” for real property. A Beneficiary Deed avoids probate without giving up any present ownership interest in the property, like joint tenants with right of survivorship does. The Beneficiary Deed is fully revocable. Where there are co-owners, the surviving owner can revoke the Beneficiary Deed. The owner retains control. The owner does not need to consult the beneficiaries or be concerned about the beneficiaries’ creditors (unlike joint tenants).

two people, to minors or to adults with special needs receiving government assistance. In those instances, a trust is the best non-stress way to avoid probate

Estate planning does not need to be complex or confusing. You deserve to have your questions answered when they arise. Our documents are drafted to provide the benefit of avoiding 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.

The Beneficiary Deed is a great tool for people who have all other assets in accounts that have a “pay on death” designation of some type. The Beneficiary Deed is not a good tool if you want to leave your real property to more than

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January 2021

Yum Yum

Stuffed Mushrooms Servings: 10 Time: 30+ minutes Ingredients: 6 slices Whole Grain Bread, cubed 1-2 tablespoons olive oil, plus more to drizzle 1/8 teaspoon garlic powder 2 tablespoons butter 1/4 cup onion, finely chopped 20 button mushrooms, stemmed and chopped 2 cloves garlic, minced 1/4 cup roast turkey, chopped 1 1/2 cups spinach, chopped 1 (5.2-ounce) block herbed cheese 1/2 cup breadcrumbs, plus more for sprinkling 1/2 cup grated Parmesan Pinch salt Pinch pepper

and set aside. Turn oven up to 350 F. In a large skillet, melt butter. Add onion, mushroom stems, garlic and turkey. Once onion is translucent, add spinach and cook just until wilted. In a small bowl, mix together herbed cheese, breadcrumbs, grated Parmesan and mushroom stem mixture. Season with salt and pepper. Stuff mushroom caps with bread mixture, sprinkle with more breadcrumbs and drizzle with olive oil. Bake until mushrooms are deeply golden and cooked through (approximately 20 minutes).

Directions: Preheat oven to 300. Combine bread cubes, olive oil and garlic powder in a food processor and pulse into fine crumbs. Arrange on a baking sheet and bake for 10 minutes. Toss carefully and bake another 5 minutes. Remove

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January 2021

Covid-19 Vaccine COVID-19: What is an Emergency Use Authorization?

According to the FDA, an Emergency Use Authorization (EUA) is a mechanism to facilitate the availability and use of medical countermeasures, including vaccines, during public health emergencies, such as the current COVID-19 pandemic.1 An EUA allows the use of medical products, not yet approved, when there are no adequate, approved and available alternatives.2 Since the start of the COVID-19 pandemic, the FDA has issued EUAs for select medical products and drugs it believes may help address the impact of the virus on the American public.3 What are the criteria for a COVID-19 vaccine candidate to receive an EUA? When the Health and Human Services (HHS) Secretary has issued a public health emergency the FDA may issue an EUA after it has determined that the following requirements are met2: * Based on available scientific evidence, including data from clinical trials, it is reasonable to believe that the product may be effective to prevent, diagnose or treat serious or lifethreatening diseases or conditions that can be caused by SARS-CoV-2 (the virus that causes COVID-19).

Since 2003

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* The identified and potential benefits of the product, when used to diagnose, prevent or treat the identified serious or life-threatening disease or condition, outweigh the identified and potential risks of the product. * There is no adequate, approved and available alternative to the product for diagnosing, preventing or treating the disease or condition. Who will have access to a vaccine that receives an EUA? In the U.S., the Centers for Disease Control and Prevention (CDC) will recommend the allocation of vaccine doses and who should receive a vaccine first, if there are not enough doses of the vaccine for everyone. On December 1, the CDC’s Advisory Committee on Immunization Practices (ACIP) made initial recommendations on who should be offered COVID-19 vaccination in the initial phase of the U.S. COVID-19 vaccination program, while there is limited vaccine supply, and recommended that healthcare personnel and residents of long-term care facilities should be prioritized first.4 Will an EUA mean that the vaccine has been tested for safety? Issuance of an EUA for a COVID-19 vaccine requires a determination by the FDA that the vaccine’s known and potential benefits outweigh its known and potential risks based on data from at least one well-designed Phase 3 clinical trial that demonstrates the vaccine’s safety and efficacy in a clear and compelling manner.2 An EUA for COVID-19 vaccines will be assessed by the FDA on on a case-by-case basis considering all available scientific evidence.2 “The FDA’s Emergency Use Authorization process serves an absolutely critical role during public health emergencies. Throughout the COVID-19 global pandemic, we have welcomed the opportunity to work collaboratively with the FDA, CDC and regulatory agencies around the world to help fight the COVID-19 global pandemic,” noted Donna Boyce, vice president of Global Regulatory Affairs for Vaccines at Pfizer.

January 2021

Stay Safe!

Avoid prolonged sitting. Even if you must set a timer to remind yourself, take frequent breaks from sitting and engage in rejuvenating strolls or take part in activities that involve standing.

By now, most seniors are aware that they’re among the most vulnerable demographic groups when it comes to contracting COVID-19. That said, a recent nationwide poll by Tivity Health a national provider of senior fitness, nutrition and healthy lifestyle solutions, indicates many are probably not getting the exercise they need to maintain optimal health. Maintaining regular exercise during COVID-19 need not be difficult. If you’re a senior wanting to maintain effective workouts each day, here are some tips you can follow even if you’re practicing social isolation.

Use others as motivation. If you feel more motivated when not exercising all by yourself, you might optimize FaceTime, Zoom or even a quick phone call to interact with fitness-minded others as you work out at home.

Start slowly. If you haven’t been exercising, you’ll want to ease into your new routine gradually. You should jump-start your new regimen with safe exercises like light weightlifting and taking walks (keeping distance from others for safety).

Whether you’re staying at home or practicing safe social distancing while out and about, there’s no need to give up the exercise that can help you maintain optimal health during the pandemic. Take steps now to ensure you’re taking good care of yourself through ageappropriate workouts and movement.

Subscribe to a digital exercise program. You do not need to leave your home to exercise each day. That’s especially true if you sign up for a high-quality digital regimen that fits well with your exercise goals and preferences.

Check out local fitness centers. Before attending local gyms, learn what they’re doing to keep their customers safe and to align with recommended CDC guidelines. If you feel safe enough to participate, exercise in open spaces where you can maintain six feet of distance from others.

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Estrella Publishing - Viva magazine

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January 2021

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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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Manufactured Homes Eligible

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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.

January 2021

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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 Century 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

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Estrella Publishing - Viva magazine

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

January 2021

Puzzles & Games

Name ____________________________________

US STATE Capital Cities Scrambled Letters Word Search Puzzle #02 CAPITALS WORD SEARCH

Find the words hidden in the grid. There are 2 steps to this puzzle. First, unscramble the letters in the list. If there are two words in a Capital City, then there should be a space in the clue. Next, locate the name hidden in the grid. Words can go vertically, horizontally, diagonally both forwards and backwards.

Q X V Y W U P Y C U C Q U W O

A R V Y B S V K Z G A A L Y R

P S B Q I S L F T X M P N A A V D U O I L L S B G O Q V N I M L O W T R V U A T S M G Q S

I S X R X R K P D H C O I O Y

W X B Z C C Z G E C W I H X MU T G N K E R F K B M T K T I

J Z F B S D L P G J R N U G C

LECNHSTAOR CLMAUBIO RIODCHMN XPOIENH PIRREE OOCIAHATKLYM 20Â©https://learnwithpuzzles.com Estrella Publishing - Viva magazine

X J V P C G X A M E C H K F E S Y P G N E I A R L O D Y A M

J H U R I A N R N T P F C B O

H O Q X G R A E I U N S M J H

Q E Z R S L Y O N C C O S G A

P G N I A Y C I C H E S X U Y W U U C K H O L M MQ Z W L K

N X J C B T T J B I U Y O G O

J B D A Q O S A N T A F E N Y

T u d

Y N H W I N D I Y Z G H P M D

EYNECHEN SE AFANT A ULTSP NSIOADM ORMITELPNE NFFORTARK January 2021

S C

Samurai Sudoku for January Samurai Sudoku Puzzle #10

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, and the every 3 and x 3 help box develop shouldlogic contain of are each digit. This samurai sudoku puzzle is aevery great column, way to engage brain skills.one There 5 overlapping grids with one unique solution. Each ofGood 4 corners are shaded. To solve this Samurai puzzle use standard sudoku rules for every 9x9 grid: each Luck! Solutions are on our website www.EstrellaPublishing.com digit from 1 to 9 can only appear once in every row, column and 3x3 box.

5 7

4 6

9 1

5 7

4 8

4 9

4 2

6 6

Samurai sudoku grid, symmetric, beginner No 10 Estrella Publishing - Viva magazine Created: https://www.sudoku-puzzles-online.com

3 1

1 4

4 8

2 3

3 3

4 1

9 3

6 2

5 8

3 1

7 4

6 5

7 8

8 1

4 4

9 1

9 3

5 3

January 2021

8 1 21

Business Directory ADVERTISING Viva Magazine

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623.925.5427 623.247.9252 623.738.6064 623.582.4477

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LANDSCAPING & POOL CARE Buckeye Desert Landscape West Valley Rock

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PET CARE Gentle Hearts Animal Hospital

623.298.4200

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

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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 - Mary Couzens Team Realty One Group - Sopie Shrum RE/MAX Professionals - Klackle Team The Groves West USA Realty - Mary Ann Evans

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Digital and Phone Appointments now Available! The nal gi Ori

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Estrella Publishing - Viva magazine

January 2021

? r a ! e e s a e l P Y s e Y w e N Your Residential & Commercial Roofing Contractor Has You Covered!

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Estrella Publishing - Viva magazine

January 2021

Estrella Publishing - Viva magazine

January 2021