Viva by Estrella Publishing

VIVA A magazine for PebbleCreek residents

Estrella Publishing - Viva magazine

May 2021

FULL SERVICE AUTO REPAIR

500 N.Bullard, Suite C-25 & 26 Goodyear, AZ 85338 Master Technicians in Japanese & Domestic Vehicles 2 Year Warranty!

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

SENIOR CITIZEN & MILITARY DISCOUNTS

623-873-0949

Family Owned & Operated

www.DanielsTotalCarCare.com

Catherine Uretsky, Publisher and Editor 623.594.9283 info@EstrellaPublishing.com Al Uretsky, Publisher and Sales Executive 623.594.9283 info@EstrellaPublishing.com All contents © 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.

Estrella Publishing - Viva magazine

May 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.

See See all all MLS MLS listings listings at at www.MaryAnnEvans1.com www.MaryAnnEvans1.com

Best Listing Discount – Great Service – Awesome Results

Mary Ann Evans

PebbleCreek PebbleCreek Residential Residential Specialist Specialist

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

Experience Experience -- Work Work Ethic Ethic - Cutting Edge Technology

Living, Working & Selling in PebbleCreek PebbleCreek Statistical Statistical Market MarketAnalysis Analysis––292 285Homes HomesSold Soldfrom from03/01/2019 11/01/2018toto03/01/2020 11/01/2019 PebbleCreek 272 Homes Homes Sold Soldfrom from03/01/2020 09/30/2019to to03/01/2021 09/30/2020 319 ##Listings Listings List ListVolume Volume

2018 2019 to to 2019 2020

285 292

Year YearOver Over Year YearSales Sales

276 319

List List$$

Sold Sold$$

112,073,679 210,000 116,574,169 109,425,595 113,847,234 Low Low 150,000 150,000 210,000 Avg 389,949 Avg 393,241 399,227 398,888 High High 1,099,000 1,099,000 1,085,000 1,085,000

##Listings Listings List ListVolume Volume

2019 2020 to to 2020 2021

Sold Sold Volume Volume

114,911,542 136,129,646 112,701,896 133,971,807

Year YearOver Over Year YearSales Sales

Low Low Avg Avg High High

List/ List/ Sold Sold

SQFT SQFT

List List Price Price Per Per SQFT 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 1,136 2,042 2,052 3,700 3,700

69.64 69.64 194.66 196.15 324.00 324.00

102.82 102.82 190.57 191.89 319.87 319.87

00 76 76 477 477

00 81 82 507 507

List List$$

Sold Sold$$

List/ List/ Sold Sold

SQFT SQFT

List List Price Price Per Per SQFT 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

210,000 245,000 413,351 426,739 890,000 995,000

212,000 235,000 405,403 419,974 870,000 955,000

0.90 0.88 0.98 0.98 1.05 1.04

1,136 1,136 2,067 2,074 3,503 3,503

107.56 107.32 201.84 204.72 332.08 364.18

101.23 101.23 198.07 205.14 325.00 361.89

00 71 66 397 397

00 75 68 597 597

Nov 9, 2020 - 37 Active Listings $289,900 to $884,999 Mar 9,PebbleCreek 2021 - 19 Active HomeHome Listings $329,000 to $728,900 39 Homes Under Contract & Pending Sales$289,000 from $272,000 to $650,0000 69 Homes Under Contract & Pending Sales from to $1,240,000 November 9 , 2020 – Market March 9, 2021 – Local MarketSnapshot Snapshot

Phoenix Valley has a SELLER’s on STERIODS per AZ headlines. lack of home inventory lowinterest interest Congratulations for survivingMARKET the incredible challenges ofRepublic 2020. The lack ofThe home inventory & record&low rates are are pushing home home prices prices here to here new records. The median home pricehome in Phoenix hit another high 15% rates still pushing to new records. The median pricevalley in Phoenix valley hitwith another year over year price increases in January, the BEST EVER JANUARY on record in Phoenix valley . A 20% year over high last month with record year over year increases. Amazon is delivering 1000 jobs to West Valley with year two increase is anticipated when the February 2021 statistics are calculated. The majority of the houses sold are still priced major facilities in Goodyear including a 855,000 sq ft four story robotics fulfillment center plus a store in Avondale. under $500,000, multiple offers are common. Many local new construction home prices are over $750,000 when upgrades Phoenix continues to new be in the top 5 USsales metro for population growth. The home offices causing are added in. Robson constructions areareas ROBUST. Amazon is delivering 1000need jobs for to West Valley withistwo major facilities in Goodyear. Phoenix continues to be in the top 5 US metro areas for population growth. properties. The city of Goodyear many buyers to look for larger homes. 82% of Valley homes are primary homes, not investment Builders has experiencing record numbers of new homeissues building commercial & industrial projects under of construction. The demand for are supply chain forpermits, materials & appliances, delaying delivery new construction homes. home offices is causing many buyers to purchase larger homes. 82% of Valley homes are primary homes, not investment Sales Activity for existing homes is fast paced, new homes sales are breaking records & new home inventories properties. The ability to work from home is bringing many people to the valley for our cost of living, tax structure, amenities, are low. weather If you are considering selling your is an proceed. usebreaking Covid 19 protection beautiful & lifestyle. Sales Activity for home, existingthis homes is excellent fast paced,time newto homes sales Iare records. New procedures showing levels your property. If you have questions, selling are selling or buying a home, please call email and Existing while home inventory are very low. If you are considering your home, this is an excellent time to or proceed. If you have questions, need information or and assistance, please callreadily or email me. I will be have happya to give yousupport a free market me. I am a full time career realtor, I live work here. I am available and complete team analysis for inspectors, your home. Itrepair is possible to negotiate great terms meetcompanies your needs for the price you you want home, the of lenders, vendors, title specialists & that moving - everyone needfor toyour support your date of close you need and other details . I am a full time career realtor, I LIVE AND WORK here. I am readily available with transaction. We have a new normal in daily activities with masks, safety measures & safe distancing. There will a complete support team of lenders, inspectors, repair vendors, title specialists & moving companies - everyone you need new public health guidelines & new are being tested. Safe, Wear A Mask, Wipeyour Down Everything to support your transaction. I use Covidvaccines 19 protection procedures andStay safety measures while showing property. Call, You Home, PracticeI am Social me anytime, I am here for you I would to text Bring or email me anytime, hereDistancing. for you and I Call, wouldtext loveortoemail work with you. It is my goal to help youand maximize thelove return on your real estate DISCOUNT on the yourreturn listing,on pricing to current trendswith and boots on theon ground work with you. It isinvestment my goal towith helpayou maximize your real estatemarket investment a discount your personal service. listing and pricing to current market trends. Happy Holidays to you and your family.

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

Estrella Publishing - Viva magazine

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

youare arecurrently currentlyworking workingwith withan anagent, agent,this thisisisnot notmeant meantas asaasolicitation. solicitation.The Theinformation informationisisdeemed deemedreliable, reliable,but but not not guaranteed. guaranteed. IfIfyou

Estrella Publishing - Viva magazine

May 2021

From Me To You... I have always considered myself somewhat of a successful amateur gardener. As a young girl I grew plants in pots, I bred spider plants for years, taking the ‘babies’ from the parent plant and re-potting them. I lived in a house with a large garden and there were always veggies to pick and beds to weed. The fact that I was not actually growing or tending anything on a regular basis didn’t bother me at all, I was learning. Once I became a teenager there were bulbs to plant in the fall followed by the joy of seeing flowers pop up in the early spring. As an adult I managed to conquer an entire garden of flowers and even established a raised bed of veggies. That vegetable garden was my pride and joy. I experimented with tomatoes, zucchini and herbs, learning how to use other plants as pest deterrents, and enjoying the bounty of my labors. When we moved to Arizona I set about replicating my successful relationship with the earth. It took me about 2 years of failure to realize that I was not going to be able to

garden as I had hoped. My old standbys did not thrive in this climate, or in this soil. I did have a raised bed for a while, which was mostly capable of producing crops, but the climate and my lack of consistency stymied me at every turn. I did grow the most amazing artichokes and tomatoes - but there are only so many of those you can eat in one season. In the 16 years we have been here almost all of the original plants have died and been replaced with more suitable drought tolerant varieties. The one great success I have had is something I always wanted to grow but ironically was never too successful with. A Jasmine, or Honeysuckle plant. Honeysuckle is a climbing creature that seems to be nothing more than a mass of green leaves for most of the year. Then for two glorious weeks in the spring it explodes with tiny white flowers and the smell is heavenly. I planted my Honeysuckle by the front door, and as luck would have it, that is the perfect place for it to thrive. It has shade and just the right amount of water, and I get to murmur positive words to it as I pass by everyday. Not sure what effect the words have but I am not stopping now. As I write this, spring has well and truly sprung and the Honeysuckle is in full bloom. Even though the combination of circumstances that led to this green thumb moment have very little to do with my abilities, I am still able to pat myself on my back for the next week or so. I get to believe that I can grow things out here in this unforgiving climate, at least for a little while. Of course the Arizona summer is looming and that will knock the confidence right out of me again. The desert will reassert it’s dominance, and I will have to wait another year to be proud of my green thumb. Catherine Uretsky Editor, Viva magazine catherine@estrellapublishing.com 623-594-9283

Estrella Publishing - Viva magazine

May 2021

NEW LOCA TION

ARIZONA LEGAL DOCUMENT PREPARER #81763

05-15-2021

SIMPLE FAMILY TRUST NOW OFFERING: LIVING TRUST • LIFE PLANNING DIRECTIVES LAST WILL & TESTAMENTS QUIT CLAIM DEED • BENEFICIARY DEEDS ESTATE PLANNING CONSULTATIONS

Estrella Publishing - Viva magazine

May 2021

On Our Cover When Willa Kravitz moved to PebbleCreek in 2019 she brought with her a passion for community giving, refined through a career in non-profit fundraising. Willa was eager to make a material difference for non-profit organizations working in the West Valley. The result? Five women, Willa, Grace Cooper, Maureen McCann, Ruth Shaffer and Mary Wiese decided to test the concept of sharing influence to make a difference by reaching out to their individual networks with an appeal to benefit a local organization called Go With The Flow. Go With The Flow was founded in 2017 by Demetra Presley, a Phoenix woman who discovered that too many students in local schools, faced with a need for menstrual hygiene products and unable to afford them, were experiencing shame and embarrassment

as they attempted to meet that need. School budgets were restrictive, individual teachers were attempting to keep supplies on hand but were unable to keep up, and young people were making their own makeshift pads out of socks or paper towels, extending their use to the point of risking infection. Last fall, Willa, Grace, Maureen, Ruth and Mary appealed to friends for money and product to benefit Go With The Flow. The result was over $3,000 in cash donations and a mini-van full of menstrual supplies. The generosity of the PebbleCreek community was overwhelming… and folks indicated that they wanted to do more. So, this spring, the women organized a second appeal. The community generously responded again, contributing over 5,000 tampons. The product was combined with additional menstrual hygiene products and distributed to three local organizations. In addition, PebbleCreekers provided hundreds of dollars to Go With The Flow. Go With The Flow is committed to bringing this very personal need to light. The need is not going away and more information is available on their website (https://gowiththeflowaz.org/). The five women are excited about the prospect of continuing to bring information about local nonprofits with big needs to the PebbleCreek · Open every night from 5 pm to 1 am community. If · Every child seen by a pediatrician · Faster than the emergency room you would like · Online registration to get into queue to be on an or register for telehealth visit · Telehealth visits from anywhere in AZ email mailing list · AHCCCS and most major insurance to learn about accepted, cash pay rates available our (yet to be · Easy access off 101 and I-10 determined!) next · Rapid COVID testing available project, feel free 623-643-9233 to email Maureen GoodNightPeds.com at Maureen. arizona@gmail. 10320 W McDowell Rd Bldg. L, com. Avondale

Estrella Publishing - Viva magazine

May 2021

Act F.A.S.T.

The sudden onset of stroke symptoms can happen to anyone at any time, making education about the signs and symptoms of a “brain attack” the first line of defense to stroke prevention. Stroke is the second leading cause of death and third leading cause of disability worldwide. Today, only 10% of stroke survivors make a full recovery and 25% recover with minor impairments. Forty percent of survivors experience moderate to severe impairments that require special care. Strokes are common and deadly, but the good news is almost all strokes can be prevented. What is stroke? A stroke happens when the blood vessels carrying nutrients to the brain either form a clot or rupture, causing a sudden blockage in the arteries leading to the brain. When that happens, part of the brain cannot get the blood (and oxygen) it needs, so it and brain cells die.

In the event of stroke: Act F.A.S.T Follow the acronym below to check for signs of stroke: • FACE drooping: Does one side of the face droop or is it numb? Ask the person to smile. Is the person’s smile uneven or lopsided? • ARM weakness: Is one arm weak or numb? Ask the person to raise both arms. Does one arm drift downward? • Speech: Is speech slurred? Is the person unable to speak or hard to understand? Ask the person to repeat a simple sentence. • Time to call 9-1-1: If the person shows any of these symptoms, even if the symptoms go away, call 9-1-1 and get them to the hospital immediately. Eighty million people have survived stroke worldwide. For more information on stroke prevention tips and treatment options, visit the Medtronic Stroke Heroes page at https://global. medtronic.com/xg-en/c/neurological/worldstroke-day.html

602.592.0174

www.ArizonaSunControl.com Licensed • Bonded • Insured • Residential & Commercial • ROC# 215020

WE WILL NOT BE UNDERSOLD! 8

Estrella Publishing - Viva magazine

May 2021

Money Matters Being self-employed has some benefits: You get to choose your own hours, you don’t have to count “vacation days” and you’ll never worry about getting downsized. On the other hand, you’re truly on your own – there’s no employersponsored retirement plan and no benefits package. So, if you’ve recently started a business what can you do to get on the road to financial security? There are several steps you can take, including the following: • Establish a budget. When you’re self-employed you need to keep tight control over where your money is going. So, establish a budget and stick to it. • Open a retirement plan. As a self-employed individual, you can choose a retirement plan, such as a SEP-IRA, a SIMPLE-IRA or an “owneronly” 401(k). You may want to consult with a financial advisor to determine which plan is best for your needs. • Build an emergency fund. When your earnings are uneven, you can be vulnerable to financial stress when you face an unexpected expense.

To help protect yourself from these threats, try to build an emergency fund containing a few months’ worth of living expenses. • Pay down your debts. Some debts, may be unavoidable. But other debts, especially those that can’t be deducted from your taxes and carry a high interest rate, are far less useful, so you may want to set up a repayment plan. • Put money aside for taxes. Because no employer is withholding taxes from your paychecks, you will likely have to make quarterly estimated payments. Plus, you’re responsible for all your Social Security taxes, which, if you worked for someone else, would be split between you and your employer. • Get proper insurance. You may need some type of business insurance, but if you have a family, you should certainly consider the need for life insurance, and you may also want to consider disability insurance. Self-employment can be quite fulfilling – and you’ll find it even more rewarding when you make the right financial moves. Submitted by Chris Carlton, of Edward Jones This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

LICENSED, BONDED & INSURED - LOCALLY OWNED FRANCHISE

Estrella Publishing - Viva magazine

May 2021

Candy, Mike & Chris Klackle Specializing in PebbleCreek

(623) 261-9943 www.PebbleCreekResales.com

Local Experts, Globally Connected!

Move-in Ready! Popular Lock & Leave Villa

•

Personalized Services for Buyers and Sellers

Affordable Spacious GolfResort CourseLiving Home

2141 West NorthPiccadilly 166th Drive 16411 RoadMLS# MLS#6173275 6113144

Updated & Move-in Ready Luxurious Resort Living

2065 MLS#6064913 6203666 3351North North164th 153rdAvenue Drive MLS#

15054 West Piccadilly Road MLS# MLS#6069817 6220750 3187 North Couples Drive

Proven Results, Full Service Agents Consistently ranked as a top producing PebbleCreek real estate professional team. Second generation PebbleCreek residents & real estate specialists. Providing caring personalized service to buyers and sellers. LD

16780 West Holly Street

2890 North 156th Drive

15424 West Piccadilly Road

2125 North 164th Avenue

16128 West Monterey Way

16753 West Almeria Road

3657 North Hogan Drive

10320 West McDowell Road Building B Suite 2005 Avondale, Arizona 85392

16805 West Almeria Road

3496 North Casper Drive

16147 West Indianola Avenue

16753 West Berkeley Road

Candy, Mike & Chris Klackle

Each office independently owned and operated. All information deemed reliable but not guaranteed.

10 Estrella Publishing - Viva magazine

3057 North 159th Drive

(623) 261-9943

May 2021

Water Check

There’s nothing quite like owning a home. There’s the pride of achieving a financial goal and the comfort of having a sanctuary and space of your own. Occasionally, as many homeowners can attest to, there’s also the element of surprise when things suddenly break. Water damage is the most common - and unwanted - surprise for homeowners. Show your home a little TLC to protect against water damage by inspecting these three areas in and around it. 1. The bathroom • Periodically check the pipes underneath the bathroom sink for cracks or leaks. A leaky pipe can be a sign of a larger issue that might eventually cause your pipes to burst, like high water pressure or corrosion. • The seal created by the caulk around your sink, tub and shower helps prevent water from seeping into spaces where it doesn’t belong, but

it won’t last forever. Ensure the caulk isn’t worn or cracked, and apply a new layer if needed. • If water leaks from the base of your toilet, or it wobbles when you sit, it’s time to replace the wax ring. Wax rings help form a watertight seal between the bottom of a toilet and the sewer pipe. The ring usually lasts the life of the toilet, but it’s possible for it to dry out and fail so pay attention to malfunction signs. 2. The kitchen • Just like in the bathroom, the pipes beneath the kitchen sink need to be checked regularly for leaks and cracks. • Kitchen appliances with hoses that connect to your water supply are another potential source for leaks. Rubber hoses can wear out, blister or crack, and will need to be replaced over time. Consider replacing this type of hose with a steelbraided version as these are less likely to fail. • Your washing machine probably isn’t in your kitchen, but be sure to inspect its hose as well. The hose connection can loosen during wash cycle vibrations, so check to ensure it’s tight. 3. The home’s exterior and roof • Holes, cracks and gaps can be entry points for unwelcome water, which can cause rot or structural damage. Walk the perimeter of your home to look for imperfections in its facade. Inspect the condition of the weather stripping on your windows and doors to ensure they are properly sealed to keep out the elements. Also, look for damaged, missing or loose roof shingles, which can be seen from proper vantage points on the ground.

Estrella Publishing - Viva magazine

May 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). 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 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.

Special Spring Savings!*

We’re Family

Call today to learn about our special starting rates!*

As part of a fifth generation family company, we believe it’s never been more important for seniors to love the communities they call home. We are committed to doing everything possible to achieve just that.

THE GROVES

(623) 244-2972 2655 N. Pebble Creek Pkwy Goodyear, AZ 85395

Lic #AL10080C *Limitations may apply. Call for details.

Independent Living • Assisted Living • Memory Care • merrillgardens.com

12 Estrella Publishing - Viva magazine

May 2021

MAKE YOUR HOUSE A HOME!! Outpatient Physical Therapy In the comfort of your home.

Courtney Finley, PT, DPT, GCS Board Certiied Geriatric Clinical Specialist

Mon. - Fri. 6:00am - 5:00 pm Saturday 6:00 am - 2:00pm Sunday CLOSED 25376 W. TONOPAH SALOME HWY BUCKEYE 85396

623-386-8777

“I have an extensive background in fall prevention, balance, and even treating dizziness. We can work together to reduce your chance of falling. Let me come to you, and we will create a plan to restore your balance, strength, and movement.”

480.923.9554

EnlivenPT@PreventFalls.org EnlivenPhysicalTherapy.com Covered by Medicare B & some Medicare Advantage plans. Cash pay plan also available.

Free Purchase Pre-Qual’s • Free Reenance Check-Up’s

Lisa Murray - PebbleCreek Resident Sr. Loan Consultant NMLS# 721085

623-694-3100 - cell 1-800-450-2010 Ext. 4090 - oﬃce 602-865-7553 - fax

Since 2003

Lisa.Murray@naanc.com www.newamericanfunding.com/mortgage-loans/lisamurray Ask me about Reverse Mortgages!

51 Years

Estrella Publishing - Viva magazine

May 2021

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

reverse@azhomeloans.com NMLS ID # 1858231 | AZ License # LO-1001621 NMLS ID # 142154 | AZ Broker License #: MB0903891

$50forGift Card any reverse mortgage application

------------

---------------------------- --------------------------------------------------

FREE CONSULTATION

480-405-6258

Manufactured Homes Eligible

------------

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

$100 Gift Card when closing a reverse mortgage

---------------------------- ----------------------------

*Must be primary residence and occupied 6 month and 1 day out of the year. | FHA Insured

www. AZHomeLoans.com

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

14 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.

May 2021

Useful Numbers EMERGENCY SERVICES Emergencies (Police / Fire) Police Non-Emergency 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 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

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

$390,000

15359 W. Mulberry Drive

“Experience a Higher Standard of Service”

2 Bed & 2 Bath | 1,751 sqft. Beautiful light and bright home located just steps from the Eagles Nest clubhouse and pools. Open great room floor plan with vaulted ceilings, separate den, extended length garage & PRE-PAID solar lease.

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

Estrella Publishing - Viva magazine

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

May 2021

Puzzles & Games

16 Estrella Publishing - Viva magazine

May 2021

Samurai Sudoku for May Samurai Sudoku Puzzle #03

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 standard rules every each digit logic fromskills. 1 to There 9 canare only appear once This puzzle samurai use sudoku puzzle issudoku a great way to for engage the9x9 braingrid: and help develop 5 overlapping gridsin with one unique solution. Eachand of 4 3x3 corners areGood shaded.Luck! To solve this Samurai puzzle standard sudoku rules for every 9x9 grid: every row, column box. Solutions are on ouruse website www.EstrellaPublishing.com each digit from 1 to 9 can only appear once in every row, column and 3x3 box.

9 2

2 8

9 7

1 1

3 2

9 5

3 3 2

1 8

3 2

5 4

3 6

9 4

5 5

Samurai sudoku grid, symmetric, beginner No 3 Created: https://www.sudoku-puzzles-online.com Estrella Publishing - Viva magazine

6 8

5 9

1 5

4 5

7 1

9 4

3 6

4 6

7 3

4 5

1 4

5 May 2021

1 17

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

FINANCIAL & LEGAL SERVICES AZ Home Loans - D Stewart Cavanagh Law Firm Fairway Mortgage - D Santalucia Kramer Legacy Documents New American Funding State Farm Insurance - Tina Gremillion

480.405.6258 623.815.7451 602.524.2421 623.974.2272 623.694.3100 623.386.7767

HEALTH & BEAUTY Enliven Physical Therapy Goodnight Pediatrics Healthy Life Family Medicine Permanent Make Up by Kari

480.923.9954 623.643.9233 623.889.3477 602.295.7373

HOUSEHOLD SERVICES Al’s Plumbing Atlantic Relocation Systems

623.329.5170 602.352.6683

Beckham Electric Century Glass & Mirror College Hunks Hauling Junk Countywide Plumbing J&H Appliance Repair JBS Roofing The Window Cleaner AZ Yourson Contracting

480.370.1014 623.444.6204 480.263.3044 623.800.6869 623.925.5427 623.247.9252 623.738.6064 623.582.4477

LANDSCAPING & POOL CARE Buckeye Desert Landscape West Valley Rock

602.527.2818 623.386.8777

PET CARE Gentle Hearts Animal Hospital

623.298.4200

REAL ESTATE Realty One Group - Burkhardt Team Realty One Group - Donna Strand Realty One Group - Mary Couzens Team RE/MAX Professionals - Klackle Team The Groves West USA Realty - Mary Ann Evans

623.853.5878 623.271.0518 623.536.0909 623.261.9943 623.244.2972 602.652.3709

RECREATION & RETAIL Arizona Sun Control Estrella Ordnance Pure Patio Screen Moblie

623.592.0174 623.262.2154 623.299.8000 602.438.8485

6/30/2021

18 Estrella Publishing - Viva magazine

May 2021

Spl a sh

into sa vi ngs! 18 Months No Interest! If paid in full. Expires June 30th, 2021

Your Residential & Commercial Roofing Contractor Has You Covered!

 New Construction, Repairs, Recovers, Maintenance  Installation of Gutters  Shingles, Tile, Built Up Single Ply, Foam & Coatings, Metal, Shake

“Let Our Family Cover Yours”

We’re Here To Answer Your Questions. Give Us A Call!

www.JBSroofingAZ.com ROC #’s: 061127 - 287012 - 198009 - 082024 - 318282

Estrella Publishing - Viva magazine

May 2021

THANKS TO ALL THE RESIDENTS WHO PARTICIPATED IN OUR SHRED-IT EVENT ON 4/17/2021!! It was a HUGE success with your donations totaling $10,574 for St Mary’s Food Bank. We shredded 2978lbs of paper, saving 25.313 trees, 10,423 gallons of water and 4.467 cubic yards of landdll. You are the BEST!! We would also like to thank our VOLUNTEERS (and our PATROL) who worked hard to assure an eﬃcient and smooth event, handling over 400 cars! PebbleCreek residents: Kim and Gary Mattevi Jesse Ciminski Colleen Malany Ba Barbara Harvey High School students: (Millenium)Tyler Fobes (Carrie's son /Donna's grandson) (Canyon View) Griﬃn Taylor (best friend of Tyler's)

With warm hearts we thank everyone!

dmstrand711@aol.com 20 Estrella Publishing - Viva magazine

carriesazhomes@gmail.com

May 2021