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On Monday May 6th Moon Valley CC will host Helping Hands for Freedom Heroes Golf Classic sponsored by Scott Roofing. This is the 10th year MVCC has played host to this great cause.
Helping Hands for Freedom www. helpinghandsforfreedom.org has a primary mission to support the families of the fallen, wounded and deployed with serious financial life needs such as mortgage/rent, car payments, utilities etc. HHFF also arranges special event experiences by taking Gold Star families (lost a loved one because of the conflict) or Wounded Veteran families, to ballgames, amusement parks and other entertainment venues.
Moon Valley resident and club member Eric Snelz chairs the event. His son did two tours in Afghanistan with the 1st Marines and returned with a traumatic brain injury (TBI) and PTSD. This opened Eric’s eyes to the plight of other parents/survivors not so fortunate, so he decided to get involved with HHFF.
Presenting sponsor Scott Roofing is owned by Moon Valley residents Brian and Mike Scott. This is their third year
as presenting sponsor. You can learn all about them at www.scottroofingco.com; You can sign up at www.hhffevent.com
Golf is a scramble format which kicks off at 10:30 with lunch on the patio followed by a 12:00 shotgun. There is a silent auction featuring Ping G430 irons, numerous foursome certificates from other courses and trips among other items. An online auction will open two weeks before the event. Sponsorships are available. The cost per golfer is only $300 which also includes on course soft drinks, water and beer, lunch, and appetizers after golf during the awards presentation. If you cannot make golf, or just aren’t a golfer, you can donate $300 to sponsor a Wounded Veteran or Gold Star family member to play.
If you have questions about Helping Hands for Freedom or the event you can reach out to Eric Snelz at esnelz@ helpinghandsforfreedom.org or via phone at 602 369 3642.
“In this world, nothing can be said to be certain, except death and taxes.”
– Benjamin Franklin
Benjamin Franklin was correct in his assessment of both death and taxes, but while taxes have been certain, they’ve been far from consistent. America was tax-free for much of its early history. That is, free of direct taxation like income tax. It was, after all, taxes that led Americans to revolt against the British in 1773. Following the Revolutionary War, the new American government was understandably cautious when it came to taxation--direct taxation was prevented by the constitution for all practical purposes.” The history of taxation in the United States begins with the colonial protest against British taxation policy in the 1760s, leading to the American Revolution. The independent nation collected taxes on imports (“tariffs”), whiskey, and (for a while) on glass windows.
Whiskey and of course all alcohol taxes are still in place today and I guess would still be considered a luxury therefore taxed, but I cannot figure out the part about glass windows?
April 15th, is fast approaching and by the time you are reading this, it will be the last weekend before those income taxes need to be completed and post marked ( better mail: Arizona has had some problems with electronic filing per the Arizona Republic). For many this is a very grueling and anxious time of the year, for me…. it just means I’m a tax widow! And looking forward as well to the 15th, but for a very different reason, and that is to get my husband back. After more than 40 years of preparing taxes he is still very much dedicated to his clients and their needs of getting the job done on time, and spends day and night completing them.
As for my knowledge of taxes, I guess I will just stick with Benjamin Franklin, and know that it is for certain, and will anxiously be ready to go out and spend some of our hard earned money on Whiskey taxes to celebrate the close of tax season!
“When it was new, Moon Valley was an oasis,” says homebuilder Doug Sandahl of one of Phoenix’s first north-valley developments. “Back then, the other country club communities were a long way away, and Phoenix people were living in midtown or downtown. Living up in the north valley was a new idea.”
Today, more than half a century later, that new idea has grown into a well-established community of high-end homes and distinctive tracts nestled up against a mountain preserve, fifteen miles north of downtown Phoenix.
Billed as “Phoenix’s newest plush residential area” in a 1960 Del Webb company newsletter, the area known as Moon Valley is nine square miles of bottomland just beyond the Phoenix Mountains.
Its 620 acres were originally purchased by produce farmer and real estate developer John Jacobs, who hoped to grow vegetables there. Jacobs sold the land to a group of investors with the stipulation that they build a golf course on the property. Once the course was completed, Del E. Webb Construction, swooped in and bought all but 60 of the remaining acres, then made many of them available to other builders. At the same time, residents were building on the hilltops above and looking over Moon Valley. Realtor and native Laura Moore has fond memories of growing up on Moon Mountain.
Originally platted in 1960 and pitched in the press as “Ideas for Ideal Living,” Moon Valley was the first northerly development in Maricopa County built around a golf course.
“Moon Valley was developed for doctors and lawyers and dentists who liked to play golf,” according to Sandahl, who was Dell Trailor’s sales manager in the mid ’70s before establishing his own Sandahl Homes. “It was built around a private golf course that opened up as development got underway in 1960.”
Most of Moon Valley’s earliest homes backed onto that golf course; a later plat, adjacent to the original, nestled against Moon Mountain. Both the custom homes and the tract housing are primarily single-story ranch homes of manufactured materials like slump block and Superlite concrete.
Moon Valley’s diverse midcentury designs were the work of revered builders and architects of the era, including John J. Territo, Bill Decker, Alfred Anderson, Jr. and Peter K. Shields. Their model home designs, in a dozen different styles, were offered by Webb and by Hunter Development, Fritz Construction, Rhodes Building and Development, and MacMillin Construction.
Now all these years later Moon Valley is still THE place to live, according to Realtor, Moon Valley resident and Phoenix native Michele Baker. “We’ve got these wide, curvilinear streets that give the area a nice, wandering feel and with the golf course right in the center, it still feels like an oasis but today we are much more centrally located due to the Valley’s exponential growth.”
Connect with these five dedicated Realtors who not only specialize in Moon Valley homes, but live, work and play here. Turn to them to buy a home or sell your house with care and expertise.
Michele Baker, Laura Moore, Shirley Shadegg, Rachel Bagby, and Stacey Biehle.
Roger Brevoort is a Marketing Advisor to the Coldwell Banker Historic Homes Group. He strongly believes that architecture and community character are integral to property values and ultimately to real estate sales.
Located just north of Phoenix, Arizona, the Moon Valley community boasts a rich history dating back to the early 1960s. As the city grew and evolved, so too did Moon Valley, with the careful mapping of subdivisions I and II in September and November of 1960, followed by the remapping of Moon Valley III in October 1967.
However, it wasn’t just physical boundaries that defined Moon Valley. In November 1969, a group of passionate residents came together to form the Moon Valley Homeowners’ Association, a non-profit corporation dedicated to safeguarding the interests of its residents. This association, later incorporated as “The Moon Valley Homeowners Association, Inc.” on August 11, 1994, was founded on principles of community welfare and mutual support.
From its inception, the association’s mission was clear: to protect and enhance residential properties, promote the health and safety of residents, and exercise the full extent of its rights under Arizona’s nonprofit corporation statutes. These objectives served as guiding principles, shaping the association’s activities and initiatives over the years.
In 2011, recognizing the need for a name that better reflected its ethos and values, the organization underwent a significant transformation. Shedding the restrictive connotations of a traditional Homeowners’ Association (HOA), it rebranded itself as The Moon Valley Neighborhood Association, Inc. (MVNA). This change signaled a shift towards inclusivity and voluntary participation, aligning more closely with the spirit of the community it served.
Unlike conventional HOAs, membership in MVNA is entirely voluntary, emphasizing individual choice and autonomy. With an annual fee of just $35, residents have the opportunity to support the association’s efforts in preserving the unique character and charm of Moon Valley. Additionally, MVNA collects voluntary contributions of $150 annually, enabling the funding of a neighborhood security patrol, further enhancing safety and peace of mind for all residents.
MVNA’s reach extends across the 29 subdivisions within its boundaries, spanning from Thunderbird and Coral Gables Drive to Hearn Road and 7th Street. While some subdivisions, such as Hillcrest and Moon Valley Cluster Homes (Valle Luna), maintain their own homeowner associations with required fees, MVNA serves as a unifying force, fostering a sense of belonging and community among all residents.
As Moon Valley continues to evolve and grow, MVNA remains steadfast in its commitment to preserving tradition, promoting unity, and enhancing the quality of life for all who call this vibrant community home. Through collaboration, innovation, and a shared dedication to collective well-being, MVNA paves the way for a brighter future, where the spirit of Moon Valley thrives for generations to come.
For more information on the MVNA and how you can volunteer, please visit our website at www.moonvalley.org. Let’s continue to make Moon Valley a special place that people love to visit and for us, a wonderful place to live.
It appears to have near clean water, clear enough to read through or even take a tiny sip if thirsty enough. A closer look shows sediment - well settled mud with tiny rocks and plant debris sitting neatly at the bottom of the jar. I keep it as a portrayal of “before.” The clarity reminds me of what life often looks before GRIEF shows up. In an instant, with the shake of a wrist, all that is clarity is disrupted and the jar takes on a completely different appearance. The water is dark with mud and I can hear the debris rattling inside. That is how GRIEF looks; the clean clarity lost to a dark mess that appears too thick to deal with.
Like the water jar, sometimes the disruption of grief has a definite starting point. One minute everything is fine and, in an instant, it all changes. That may be a phone call, a diagnosis, a sharp pain, an accident, or any number of defined events…everything changes. Grief may also have a slower beginning, something that we slide rather than crash into. This could be a worsening chronic health condition that has become life threatening or the confirmation of a worrisome suspicion that will change everything. Either way, life as you know it has been flipped upside down. You can lose your sense of balance, direction, and purpose. Your most simple thoughts and beliefs may feel shaken or challenged. Your sense of self may lose clarity, confidence, and energy. Grief can impact every single area of your life – emotional, mental, physical, spiritual, financial, and more. All of that is grief and it is hard to navigate.
Grief is a normal response to loss yet few of us are taught how to handle big upsets, particularly those feelings that come after the death of a loved one. Because of the flood of feelings and emotional dynamics, grief can be overwhelming both to the bereaved and those who love them. There are also 100 or more decisions that require near immediate attention, when we are feeling most vulnerable.
This is the first in a series that will address grief and healing. We are hardwired to heal…almost everyone does. AND it can take lots of work.
When the jar is allowed to sit undisturbed for hours or days, the sediment settles though it has been rearranged for sure. The tiny twig that may have initially been invisible is now poking out the top. There are some minute particles suspended in the now clearer water and in a desperate situation, it is potable. Such is life…things calm and settled…just not forever
Dr. Sandi Howlett is the Grief Specialist for Hansen Mortuary where she facilitates Grief Support Groups and meets clients individually. Her support services are available at no charge to the public.She may be contacted at: drsandihowlett@gmail.com
Picking the right people to handle your affairs if you become incapacitated is one of the most important aspects of estate planning. For those using the revocable living trust for planning, that is your trustee. Knowing how the transition to make the transition from you to your successor trustee is important. You need to know how this will happen, and so do they. What are some ways to do that?
First, make sure your trust is clear on when and how a trustee or financial agent takes over if you are incapacitated: If you are not able to handle your financial affairs, whether it is due to accident, injury or old age, how does your trustee prove they are now authorized to step in. In other words, just what does your trust plan say about how the trustee proves you are incapacitated?
Many trusts require a physician to make that finding in writing. Another option you can use is to name a disability panel – 2 or more people whose signatures your trustee will need in order to step in. An example of a disability panel is to require that of your two children and your spouse, a majority must agree you are incapacitated. Another option is to state that a physician and 2 of three individuals you choose must agree on your incapacity. The important point here is to be sure your trust establishes a clear and a workable solution –one that protects you from an unjustified finding of your inability to handle finances, but still allows a smooth transition when someone needs to take over. Make sure your successor trustee knows what steps they need to take ahead of time so they are prepared.
Consider adding a co-trustee before you become incapacitated: As we get closer to needing assistance, it may be helpful to add your successor trustee as a co-trustee. This can permit a gradual transition, allowing the successor trustee the time to become familiar with the trust assets and how you like to
handle your affairs. It also gives you a chance to oversee the co-trustee and evaluate their performance before it is too late to make a change. If the cotrustee doesn’t appear to take the responsibilities seriously or is not using good judgment, remove them as co-trustee and quickly amend your trust to change who will be the successor trustee.
In addition, having someone already as a co-trustee can avoid stumbling blocks later. Even if they aren’t involved in handling your finances now, they step in when it is time without any hiccups along the way.
If its time, think about resigning and appointing your successor trustee to take charge to allow for a smooth transition: Most of us don’t want to let go of the reins of our financial affairs. However, there may come a time when it would be wise to turn control over to those in line as successor trustees. If managing your trust assets is beginning to overwhelm you, or you don’t feel you are handling your affairs well, it might be time to make a formal resignation. This permits your successor to take over without a formal finding of incapacity, avoiding the need for a doctor’s letter.
Trust planning is a wonderful way to plan for your incapacity and for someone to handle your affairs when you no longer can. But trusts handle incapacity findings in many ways. Some are clear, and some overly complex. Some trusts contain no directions for this important transition. If you have a trust, you may want to be sure just how this important transition might happen for you. If not, and you are ready to establish an estate plan, our team is ready to help you. We will discuss this important issue together and make sure your successor trustee can help when the time comes. We can also help if you know or suspect your existing plan needs to be updated. Give us a call at 602-375-6752 to schedule a time to meet a member of our team for a no-cost initial consultation.
I was going through Facebook a few months ago and there was an ad, purportedly from Costco, offering “old stock” Ping drivers for $29.95. Too good to be true? I decided to buy one. Even if it was a scam, the most I could lose was $29.95. By the time I got around to ordering, there were three similar ads without the Costco moniker. I chose one and ordered. Three weeks later, it had not arrived and I was lucky enough to cancel payment through my credit card company. Now, months later, I am still receiving Emails telling me that my package is at the post office but they need my address. Duh, I think it was a scam.
I have some investments with Raymond James and periodically they send out a publication called “Worthwhile.” On the inside back cover of the Spring 2024 edition is an article called “The Goodlife.” I’m borrowing heavily from their piece called “Outsmart the scams.”
They cite Federal Trade Commission statistics which state that “Americans lost a combined $2.7 billion to scams originating on social media between June 2021 and June 2023 . . .”
Following are some “red flags” to watch for:
Gotta-haves _ i.e. enticing products which never arrive (Ping drivers)
Bad Grammar _ typos and strange spellings are a giant indicator
False protection _ a claim that your financial account has been compromised and an offer to help you transfer assets to another account
Giving takers _ charity scam thieves seeking donations, but are unwilling to give details of their organization
Heartstring tugs _ online acquaintances, whom you never can actually meet in person, but who plead for money
Here are some rules to keep yourself safe: Never provide personal information to unknown third parties
Limit who can see your profile and posts on social media
Choose only financial institutions that have fraud protection
Update passwords often
Investigate entities online which you cannot verify as being real
Use multifactor authentication
Don’t use cryptocurrency, gift cards and other hard-to-trace payment methods
As an aside, in the mortgage industry, there recently have been numerous instances where a deal is about to close and the buyer receives instructions to wire-transfer funds to a settlement account. It is just not the right account.
If you are about to close on a deal, verify with the Escrow officer that you, in-fact, have the correct wiring instructions. It only takes a few minutes, and it is the prudent thing to do. Be safe. It doesn’t require that much extra effort. And, if you hear of any good deals on over-stock drivers, I may be interested.
Moon Valley is absolutely buzzing around springtime. But If you already haven’t been enjoying the 76-degree weather, here are 5 reasons to get outside and experience everything that Moon Valley has to offer.
1. April Wildflower Walk at Moon Valley Park: On April 15th, I’m taking Brynn and Henry out for a guided stroll through Moon Valley Park, where the desert comes alive with a riot of colorful wildflowers.
2. Spring Trail Run at Cave Creek Regional Park: I’m not much of a runner, but if you’re into the train runs at Lookout Mountain, you’ll love the Spring Trail Run at Cave Creek Regional Park on April 22nd.
3. Culinary Fest at Moon Valley: This one is calling date night vibes for sure. I’m taking Adam to Moon Valley's Culinary Fest on April 8th. Can’t wait to sample mouthwatering dishes from local chefs, sip on craft cocktails, and groove to live music under the desert sky.
4. Moon Valley Art Market: This one is for my Instagram feed. Snap a few pics and purchase unique handmade creations at the Moon Valley Art Market, held every Saturday from April to May at Lookout Mountain Elementary School.
5. Yoga in the Park: And you can find me and my inner zen amidst the tranquility of Moon Valley Park with Yoga in the Park sessions every Sunday morning in April and May.
Nestled in the heart of our community, Shadow Rock Preschool is poised to celebrate its 50th anniversary in Moon Valley. Since its inception, Shadow Rock Preschool has been a cornerstone of early childhood education in the community, dedicated to providing a nurturing environment where each child is celebrated as unique and unrepeatable. To mark this momentous occasion, the school is organizing a fundraising banquet scheduled for April 19th and would love for you to join them in the celebration. All proceeds from this event will be channeled directly to the updating of both interior and exterior facilities and classrooms, ensuring that future generations of children continue to benefit from the best possible learning environment available.
For many families in Moon Valley, Shadow Rock Preschool holds a special place in their hearts, having played an integral role in their children’s formative years. Over the past five decades, the school has consistently upheld its mission to foster holistic development, instilling a love for learning and a sense of belonging in every child who passes through its doors. As preparations for the anniversary celebration gather momentum, the anticipation is palpable, with alumni, current families, and community members alike eagerly coming together to honor the legacy of excellence that Shadow Rock Preschool has established.
If Shadow Rock has positively influenced your life and you wish to demonstrate your support, kindly scan the QR code provided below to purchase your ticket for an evening of great food, drinks, dancing, and auctions- all in aid of a noble cause. If you are unable to attend but would still like to show your support, there is an option to do so through the same QR code provided to the right.
Are you ignoring your low back pain (LBP) – or masking the pain temporarily with over-the-counter pain medication? That’s two mistakes that can lead to chronic LBP – pain that lasts more than a few months and is tough to resolve.
In fact, according to new research, once your back pain becomes chronic, your chances of getting rid of it are much lower, which makes early intervention / prevention – for example, with chiropractic care – a great choice, whether you’re experiencing LBP or want to reduce your risk of experiencing it.
An international research team reviewed nearly 100 studies that investigated low back pain of various durations, including chronic LBP (pain lasting 12-52 weeks). People with persistent low back pain continued to experience moderate to high levels of pain and disability, with minimal improvement over time, compared to people with LBP that lasted for shorter time frames. On the other hand, people with LBP of shorter duration (“acute” pain, lasting less than six weeks) were more likely to recover quicker and more completely.
The takeaway is clear: Tackle your back pain early! That means two things: going to your chiropractor whenever you experience low back pain; and visiting your chiropractor periodically, even when you’re not in pain, so you can prevent pain from starting in the first place. Now that’s a win-win for your health and wellness.
volunteer opportunities throughout the Valley from August through April.
The Greater Phoenix Chamber has selected 30 local companies as finalists for its 37th Annual IMPACT Awards. The IMPACT Awards honor the accomplishments of small and mid-to-large sized Valley businesses and their positive influence on the community and economy. Community voting to determine the recipients of the 2024 IMPACT Award is now open from March 28th to May 3rd. One in each category will be honored as Business of the Year recipients at the IMPACT Awards event on June 5th.
Community Champion:
- The Burgess Law Group
- Milwaukee Brewers Baseball Club
- Warehouse215
Economic Driver:
- Gammage & Burnham
- Phoenix Center for the Arts
- REDW Advisors & CPAs
Industry Innovator:
- Arizona Indian Gaming Association
- Milwaukee Brewers Baseball Club
- Rasa Legal
Exceptional Workplace:
- Blue Signal Search
- Cambridge Investment Research, Inc.
- Reimagine Roofing
IMPACTful Nonprofit:
- Girls on the Run serving Maricopa Pinal Counties
- Ronald McDonald House Charities of Central and Northern Arizona
- Valley of the Sun United Way
After the community vote, the 2024 IMPACT Businesses of the Year will be selected from these finalists and announced during the 37th Annual IMPACT Awards event on Wednesday, June 5, 2024, at the Sheraton Phoenix Downtown. Individual tickets are $100 for Chamber members and $125 for non-members. Tables of 10 are $1,000 for Chamber members and $1,250 for non-members.
“The Greater Phoenix Chamber is proud to honor this year’s IMPACT Award recipients. These businesses represent the innovation and development happening in Greater Phoenix, and we are thrilled to shed light on their incredible work,” said Greater Phoenix Chamber president and CEO Todd Sanders. “We look forward to seeing their continued investment in the region as they contribute to economic prosperity and community connectivity in Arizona for years to come.”
The event will convene top Valley businesses for networking and celebrate the accomplishments of the finalist organizations. Wednesday, June 5th, 2024 | 4:00 p.m. to 6:30 p.m., Phoenix Sheraton Downtown, Register at https:// phoenixchamber.com/impact2024 Email events@phoenixchamber.com with any questions. #PHXIMPACT24
About Civitan Foundation, Inc.
Community Champion:
- Bashas' a Division of the Raley's Companies
- CopperPoint Insurance Companies
- USAA
Economic Driver:
- CVS Health
- Grand Canyon University
- J.P. Morgan Chase & Co.
Industry Innovator:
- Copa Health
- Intel
- MIND 24-7
Exceptional Workplace:
- Atwell LLC
- Northern Trust
- Salt River Project (SRP)
IMPACTful Nonprofit:
- Arizona Science Center
- Civitan Foundation, Inc
- Girl Scouts-Arizona Cactus-Pine Council
Vote by scanning the QR code
Established in 1968, Civitan Foundation, Inc. is a Multi-Service Life Programming Agency that enriches the lives of children and adults with intellectual and development disabilities (IDDs). With an innovative and visionary approach, Civitan serves as a centralized resource for a broad range of essential services and life enhancing programs. The organization provides Educational Day Programming; Life Skills Training; Job Training; Paid Employment; Recreation; Family Respite; Home-based Services, and Transportation. The diverse range of products’ curriculum continually evolves to serve member interests and goals.
Civitan creates unparalleled and life-enhancing opportunities for Arizonans with IDDs that are safe, accessible, and affordable. Vote for Civitan and your other favorite organizations at phoenixchamber.com/events/signature-events/impact/voting/
Home remodeling is an exciting endeavor that promises to breathe new life into your living space. However, navigating this journey without stumbling into common pitfalls can be challenging. Here's a concise guide to avoid the most prevalent home remodeling mistakes.
1. Sacrificing Form Follows Function: While aesthetics are important, functionality should never take a backseat. Ensure your design choices enhance usability rather than just visual appeal.
2. Underestimating Flooring Needs: Nothing halts a project like running out of flooring materials halfway through. Always order a little extra to account for mistakes and future repairs.
3. Neglecting Professional Advice: Consulting with experts can prevent costly errors. Their insights can streamline the process and ensure your vision aligns with practicality.
4. Skimping on Quality: Opting for cheaper materials may seem economical initially, but subpar quality can lead to premature wear and tear, ultimately costing more in the long run.
5. Unrealistic Expectations: Home remodeling takes time, patience, and often unexpected expenses. Set realistic timelines and budgets to avoid disappointment.
6. Choosing the Lowest Bid: While affordability is tempting, excessively low bids may indicate corners will be cut. Prioritize value and reputation over cost alone.
7. Hiring Unlicensed Contractors: Cutting corners by hiring unlicensed contractors can result in legal troubles and substandard workmanship. Always verify licenses and credentials before hiring.
By sidestepping these common missteps and approaching your home remodeling project with careful planning and consideration, you can achieve the transformation you desire without unnecessary headaches. Call Kirk Development Remodeling 602 944-3658 for a professional free in home estimate.
Koni Gould has lived in Phoenix for almost 20 years, with the past 4 spent in Moon Valley. Fortunately for the Moon Valley Women’s Club, Koni joined us 2 years ago, and is slated to serve as Club President next year!
Koni is actively involved in MVWC activities. She co-leads one of our hiking groups and also participates in our Bunco, walking, investments, baking and book groups.
Koni absolutely loves her career as a Realtor, especially when she sees the joy on her clients’ faces during closing. It’s no surprise that most of her clients end up as dear friends.
In her free time, Koni enjoys staying active by hiking local trails, riding her bike around Moon Valley and doing gym workouts. Koni and her husband Dan also recently took up stand up paddle boarding, and enjoy exploring the local lakes together.
This past Summer, Koni had the once in a lifetime opportunity to travel to Korea and meet many members of her birth family, who she found a few years ago. While researching her family history, Koni was surprised to learn that she is a twin! They were separated at birth and adopted to separate countries. While Koni and her other siblings are still searching, her twin has not yet been located.
For more information on joining MVWC, please visit our website at: moonvalleywomensclub.org
There has been a long-standing disconnect among Americans where the intersection of insurance and preventative care have been a cause of confusion for many. The aim here is to unravel some of the dynamics at play influencing these factors. It’s perhaps best to begin with a brief history of health insurance, which first began in the US during the Great Depression of the 1920s and 1930s with a nonprofit organization showcasing a familiar name today, Blue Cross Blue Shield, which officially formed in 1932.
A primary goal of early ‘sickness insurance” products was merely to protect individuals economically from major medical costs. Until the 1920s, though, hospital bills were quite uncommon. Most medical procedures were performed in residential settings by visiting doctors with almost no reliance on today’s elaborate tools, technologies, and interdisciplinary methods. Workers were mostly concerned about surviving through lost wages due to missed workdays.
Health insurance today acts much like car insurance. It typically covers your accidents, injuries, and, in some cases, repairs. However, it does not provide preventative care for your vehicle, like oil changes, tune-ups, car washes, etc. In very much the same way, many health insurance policies call on the policyholder to be personally responsible for participating in proactive preventative care from lifestyle to nutrition and fitness to most natural health treatments.
Medicare began covering limited chiropractic services in 1972 as part of an overall care plan. Over time, this influenced private insurers and has continued to evolve, so many major insurance companies now provide chiropractic
Why are there cracks on my bike tires?
coverage for specified adjustments. Published originally in the Journal of Manipulative and Physiological Therapeutics (JMPT), an article titled, “Cost of Care for Common Back Pain Condition Initiated with Chiropractic Doctor vs. Medical Doctor/Doctor of Osteopathy as First Physician” reviewed related outcomes of chiropractic care through a retroactive analysis of claims reviewed by Blue Cross Blue Shield of Tennessee.
Researchers identified BCBS members with low back pain claims based on diagnoses used by MDs and DCs alike. During a two-year period, 85,402 members met this criterion. The total cost of each episode of low back pain was determined by calculating the cost paid by the insurer for all services provided during the episode by the same and other providers. The study found that those patients who initiated care with a Doctor of Chiropractic (DC) cost the insurance company $452.33 versus $1037.04 for patients who saw their medical doctor first. This represents an approximate 55% savings when patients sought care for lower back pain from a chiropractic physician as compared to an allopathic provider.
Moon Valley Chiropractic makes it easy for patients to initiate comprehensive care through affordable self-pay services and also remains innetwork with most major insurance providers. We do our best to accommodate same-day appointments as often as possible and to provide personalized plans catering to individual needs. To schedule an appointment, simply call our office at 602-298-0292. We look forward to serving you.
Tires can get very hot in Arizona. Making the tire dry out and lose its ability to stretch. So the tire becomes hard and splits or cracks. The tire can un glue causing the tread to come off in strips.
It looks nice. We just have a few changes. On the top take o the x rays because we are not doing that right now.
Riding the bike on a stationary trainer can also cause tire failure. A fan directed at the tire can lessen the heat build up. Tires can last 2 thousand miles or more but not long on a trainer.
Friday we are open from 8-12
we treat shingles
If the bike is sitting for long tires will loss air. The weight of the bike will make a crease on the tire. To keep tire good store the bike upside down. If this is not workable hang the bike from one wheel. Thread in hooks are about 5 dollars. New tires are required tread and nobbies are not sold separately.
via/ take o massage
Please send one more proof, thanks
Teaching facts can get a teacher in trouble now-a-days. I’m too close to retirement and too committed to care what some small minded people think. Luckily I live around some broad minded individuals.
My job is the GS-Gifted Specialist at my school, and tasks me to enrich. The opportunity to share the facts during February’s Black History Month and March’s Women’s History Month make these my favorite units. I wrote about this last March with a picture of my T-shirt that said, “Rosa sat, so Ruby could walk, so Kamala could run, so Ketanji could rule. Rosa Parks sat in her bus seat and refused to give it up to a white person, which was illegal then. Ruby Bridges was a kindergartener who needed a police escort to enter a ‘white’ school, which was legal, but no one was brave enough to do it. Kamala is not the first woman to run for the oval office, but the first to make it in. Ketanji is the first black woman to rule on the Supreme Court. These are tremendous achievements, but without knowing the history behind how monumental this is, my students can’t possibly understand the magnitude.
I have to cram as much as possible into February because our Literacy Night coincides with Dr. Seuss’s birthday and Read Across America in early March. That is when my students perform for our ‘Wax Museum’ after researching who they want to be. I share a little information about our history (no slavery talk), and then share about a few individuals who should be famous, but aren’t because they were; Black, Mexican, Native American, Asian, or . . . Women. Then I turn my students loose to research. This year, some (after doing this now for 3 years), blew me away. They looked up people based on their own ethnic heritage and uncovered some I didn’t know about! That’s the great thing about these kiddos. Somedays they teach me more than I teach them!
With parent permission (of course) I’m sharing a picture of three sisters I have the privilege of teaching. Itz is a first grader, Am is in third and Lei is in fifth. Itz chose to be Maria Tallchief, the first American Prima Ballerina who was also Native American. Until you truly look back at history, you don’t realize that the Natives who were here on this continent first were more despised than any other ethnic group, getting the right to vote dead last after women. The girls’ grandmother made her outfit. Costumes aren’t required for my Wax Museum, but some of these students and their parents really get into it and as a result, make it come alive! Am chose to be Claudette Colvin. Claudette was only 15 years old when she refused to give up her seat on the bus. . .nine months before Rosa Parks famously didn’t give up her bus seat!! She also went to jail, yet never became ‘famous’ for it! My sweet, lil Am sat in her chair stoically staring off with a look of complete stubbornness. I was so proud of her! Oldest sis Lei was previously Sonia Sotomayer dressed up with gavel in hand and totally stole the show for two years, but this time she chose to be Mary Edwards Walker. I have no idea how she decided on this incredible woman I’d never heard of. Mary Edwards Walker was a surgeon, POW during the Civil War and still to this day, the only woman who has ever received the Congressional Medal of Honor. She obviously had enlightened parents who encouraged their daughters to be free thinkers and even opened a school to ensure their girls got an education as good as their sons’. I
uncovered 4 pages of information about her, and then whittled it down to 2 pages just to write this, Lei did this on her own, and then shortened it to a 30 second elevator speech. I think my favorite thing about Mary Edwards Walker is that she wore ‘bloomers’ and then pants, refusing to wear dresses, advocating for ‘dress reform’ which got her arrested. She said that dresses were too cumbersome for a surgeon and unsanitary! She was actually buried in a suit! Though she supported women’s suffrage, the other women ostracized her for the men’s clothing and top hats she wore. Lei dressed as a man for the Wax Museum, complete with a ‘medal’ her mom made to finish off the look!
The whole business about girls/women not being able to wear pants absolutely baffles my students, but I lived that life and it was awful. I changed into them and got to work on my chores as soon as I got home from school, but I wasn’t allowed to wear pants to school. When I look back, knowing how stubborn and free thinking my own mom was, I don’t understand why she conformed, and it’s too late to ask.
How are these children supposed to learn about our history, if we don’t teach them? I know that I’m one of the oldest educators on my campus and we sometimes forget how far we’ve come and how many changes there have been that our students know nothing about. Teaching students this history isn’t meant to place blame anywhere…it’s just the facts.
Thunderbird High School’s NJROTC Color Guard presented the colors at the opening ceremony of the Major League spring training game between the Oakland Athletics and the Texas Rangers. The game was at the Suprise Stadium. The cadets were led by veteran Color Guard member David Bechtel, and included Wesley Davis, Kashus Blevins, and Carson Emery. To learn more about Thunderbird High School news, visit @ThunderbirdHighSchoolAZ on Facebook.
Greetings Partners and Community Members,
This is Dr. Paul Stanton, the Superintendent of the Washington Elementary School District (WESD). I want to thank you for being here and showering our district with care, love and support. Let’s continue on this final stretch of the school year together as one WESD Family.
Mountain Sky Girls Basketball Earns Championship Title
The WESD winter sports season was a success. Congratulations to the seventh grade girls basketball team at Mountain Sky Junior High School which recently won the Middle School Seventh Grade Championship. We are proud of all of our student athletes for displaying their outstanding play and sportsmanship all season long. Thank you to the coaches for their support and guidance throughout the season.
Lookout Mountain Third Grade Students Receive Dictionaries from Kiwanis of North Phoenix
Third grade students at Lookout Mountain Elementary School were recently surprised with free dictionaries from our longtime partner, the Kiwanis of North Phoenix. These generous donations will go a long way in benefitting our students’ learning. Thank you to the Kiwanis of North Phoenix for their ongoing support of the WESD Family.
The WESD is looking for teachers for the 2024-2025 school year. Our upcoming Teacher Interview Fair is on Saturday, April 13th, from 8:00 to 11:30 a.m. at Arroyo School, located at 4535 W. Cholla St. We are currently hiring elementary, middle and special education teachers, as well as speech language pathologists, teachers of visually impaired students, occupational therapists and physical therapists.
Our District offers competitive teacher salaries of $53,000-$83,950 (including $3,000 approx. for performance pay), student loan forgiveness, multi-layer teacher support, professional development, school-age child care discounts, a wellness program and EAP, medical, dental and vision benefits, employer-matched contributions to Arizona State Retirement and much more.
Please share this exciting opportunity with your friends, family and neighbors who are teachers or soon-to-be-teachers. Those interested can preschedule an interview by calling 602-347-2622 or emailing Teach@ wesdschools.org.
There is still time to reduce your state tax liability (up to $200 filing single or $400 filing jointly) by donating to a WESD school. This year, Tax Day is Monday, April 15th, 2024, which means you have until then to make a tax credit donation that is eligible for your 2023 tax filing. A tax credit donation to a WESD school puts your tax dollars back into our community where they will make a difference for our students. If you are looking to contribute to
Have you thought about making an impact at your neighborhood high school?
GUHSD has many exciting full-time and part-time jobs, below are some examples of jobs available. To find more available opportunities visit our website or call 623-435-6010 for more information. GUHSD offers excellent benefits, including medical coverage, life insurance, and retirement contributions.
As a Cafeteria Assistant, the primary responsibilities are to prepare all food needed for cafeteria service, set up and operate serving lines, and ensure students receive nutritious meals before and during the school day. This position is parttime and available at several GUHSD campuses.
a school that could use extra support, please consider donating to Manzanita Elementary School, Sunset Elementary School, John Jacobs Elementary School, Cactus Wren Elementary School or Cholla Middle School. To make an online tax credit donation today, visit http://www.wesdschools.org/taxcredit. Thank you for your donation and support.
Join One of Our Regional School Finance Presentations
Would you like to understand how school finance works? The WESD Business Services Department will be hosting regional school finance presentations in April and May. The presentations will take place from 5:00 to 6:00 p.m. in the school gymnasium and are open to all.
April 16th, 2024 – Desert Foothills Junior High School, 3333 W. Banff Ln., Phoenix, AZ 85053;
April 23rd, 2024 – Royal Palm Middle School, 8520 N. 19th Ave., Phoenix, AZ 85021;
April 30th, 2024 – Palo Verde Middle School, 7502 N. 39th Ave., Phoenix, AZ 85051; and
May 13th, 2024 – Mountain Sky Junior High School, 16225 N. 7th Ave., Phoenix, AZ 85023.
Each presentation will cover topics related to K-12 funding in Arizona, such as where the money for school budgets comes from, how budget limits are determined, how the WESD spends the money, and how factors in the state affect the WESD.
If you are unable to attend one of the meetings in person, they will also be livestreamed on each school’s YouTube channel. The livestream links are available at https://www.wesdschools.org/schoolfinance. For questions, please email Daniel.Obrien@wesdschools.org
Remember to follow the WESD on all of its social media pages including Facebook, Instagram, Twitter and LinkedIn at @WESDSchools. We are proud to share positive news and updates every day.
As always, thank you for choosing the WESD.
Gratefully, Dr. Paul Stanton, WESD Superintendent
GUHSD has several Instructional Assistant positions, including an English Learner Instructional Assistant, a Title I Instructional Assistant, and Special Education Instructional Assistants. All Instructional Assistants are full-time employees. They are responsible for assisting teachers in preparing materials, teaching aids, and equipment for direct instructional activities.
Part-time Parking Lot Attendant positions are available at a couple of GUHSD campuses including Moon Valley. Parking Lot Attendants are responsible for gate monitoring, conducting vehicle checks, and verifying parking permits while driving a golf cart on campus.
A radiant smile can leave a lasting impression, and one of the key elements of a dazzling smile is bright, white teeth. Tooth whitening, also known as dental bleaching, has become a popular cosmetic procedure to enhance the appearance of teeth. Let’s delve into the art and science of tooth whitening.
Before diving into tooth whitening techniques, it’s essential to understand why teeth may become discolored. The outer layer of teeth, called enamel, can accumulate stains over time due to various factors such as:
1. Food and Beverages: Coffee, tea, red wine, and certain fruits can contribute to tooth discoloration.
2. Tobacco Use: Smoking or chewing tobacco can stain teeth.
3. Aging: As we age, the enamel on our teeth naturally wears down, revealing the yellowish dentin layer underneath.
4. Medications: Some medications, such as tetracycline antibiotics, can cause tooth discoloration when taken during tooth development.
Tooth whitening procedures aim to lighten the color of teeth and remove stains. There are several methods available, ranging from professional treatments performed by dentists to over-the-counter products for home use:
1. In-Office Whitening: Dentists often use high-concentration bleaching gels in-office. This method offers quick and dramatic results, making it popular among those seeking immediate improvements.
2. Take-Home Whitening Kits: Dentists may provide custom-fitted trays and lower-concentration bleaching gels for patients to use at home. While this method takes longer to achieve noticeable results compared to in-office treatments, it offers convenience and flexibility.
3. Over-the-Counter Products: Whitening toothpaste, strips, gels, and rinses are available for purchase without a prescription. These products typically contain lower concentrations of bleaching agents and may require regular use over several weeks to achieve desired results.
While tooth whitening is generally safe and effective when performed under professional supervision or according to product instructions, it’s crucial to consider the following:
1. Dental Health: Individuals should have a dental examination before starting any whitening treatment to address any underlying oral health issues such as cavities or gum disease.
2. Sensitivity: Some people may experience temporary tooth sensitivity or gum irritation during or after whitening treatments. Using desensitizing toothpaste or adjusting the treatment frequency can help alleviate these symptoms.
3. Long-Term Maintenance: Maintaining a bright smile requires good oral hygiene practices, regular dental check-ups, and possibly touch-up whitening treatments as needed.
Tooth whitening offers a non-invasive way to enhance the aesthetics of one’s smile, boosting confidence and self-esteem. Whether opting for professional treatments or at-home solutions, individuals can achieve a brighter, more radiant smile with proper care and guidance from dental professionals. Always consult with a dentist to determine the most suitable whitening method based on individual needs and oral health considerations.
At AZ Family Dental, we offer a variety of whitening methods including KoR Whitening that is proven to have dramatic results. If you would like a brighter smile for an upcoming event, visit us at www.azfd.com or call 602- 922- 5969.
BY RABBI SHNEUR WOLFMANAs the Jewish community prepares for Passover (April 22), I want to write about the Holiday’s message: Freedom.
What is freedom? When pressed to define this most basic human need, we usually find ourselves explaining what freedom is not. Freedom is not slavery, it is not confinement, it is not inhibition. Freedom is seen as the absence of external constraints, facilitating unfettered personal growth and expression. Yet, Passover invites us to explore a more profound dimension of freedom.
The exodus from Egypt signifies not just liberation from physical bondage but marks the beginning of a transformative journey towards spiritual emancipation, culminating in the reception of the Torah at Mount Sinai. Moses’s plea to Pharaoh, "Let My people go, that
they may serve their God," highlights that true freedom transcends mere liberation from external oppressions; it involves overcoming the constraints of our very humanity. This liberation is not just about shedding the chains of physical bondage or societal norms but about transcending our innate limitations to tap into a divine, infinite essence.
The initial departure from Egypt represented freedom in a traditional sense—escape from external oppressors. However, the journey that followed was about internal liberation, shedding centuries-old pagan influences and inherent negative tendencies. This path led to Sinai, where a deeper, more profound freedom was sought—one that
goes beyond mere resistance to external forces to overcome personal limitations and engage with our divine potential.
Freedom, as Passover teaches, is an ongoing quest to transcend our own limitations and definitions. It’s about constantly striving to access our untapped divine potential, urging us to move beyond our current selves.
If you would like to join a Passover Seder (April 22 & 23) or have any Passover needs please reach out at rabbi@jewishmoonvalley.com. Wishing you a Happy Passover and the hope of experiencing true freedom!
No need to save box after box of confidential documents to take to a shredding event. Bring any amount of paper for shredding to ABCO Shredding Services located at 2640 E Rose Garden Lane, Suite 4, in Phoenix 85050. You may watch the shredding of your documents 8am until 2:30 pm M –F or just drop them off from 8am until 4pm. Either option will have a Certificate of Destruction on your receipt.
Check out our website www.abcoshredding.com for information on other items that can be shredded such as hard drives from your computer tower or laptop, iPads, tablets, cell phones, CD’s/Floppy disks, etc.
Call us at 623-748-8480 if you have any questions. Thank you! Looking forward to seeing you soon!
Buying Antinques & Collectibles - selective online sales. Call Cheryl - 480-229-3376 - Emailbackintheday@cox.net
Glass Cleaning Specialist performing highest quality detailed PERFECTIONIST work every time. Tracks/Sills/Screens/Sunscreens cleaned. 15+ yrs. exp. Free Estimate. Owner Operated. Moon Valley Resident. Joe Albert 480 228-5453
Emerge from these times playing piano! All Ages. Positive, patient instruction. How you learn makes a difference. Play songs you love. Feel accomplished. Startup 2 free lessons + books.
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Music Educ/Pianist
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Moon Valley Studio. 602.971.0089
Valerie Thomas
St. Teresa of Avila. Join us for Mass! Saturdays at 4:30 p.m. Shadow Rock UCC, Education
Chapel, 12861 N. 8th Ave., Phoenix. ALL ARE WELCOME! Stavila.org
Drywall repair and texturing Popcorn ceiling removal Water damage
Electrical and plumbing patching. In business since 1980 Furnished Homes our Specialty Licensed and Bonded Mike Collins Acoustics 623 582 4325
Mary Aranki, EPIC Home Realty: Your Moon Valley neighbor, offering expert real estate services. Call for personalized assistance today! 602-315-7225
Residential Homes, Commercial Businesses, Move in / Move outs. One time, Weekly, by-weekly or Monthly. Free estimates, call Molina 602-326-2780
Nurse’s Assistant
Nurse’s Assistant available for in home care. Call Rebekah at 602-907-8358.
CAREGIVER: Available for Work
15 years experience. If interested please contact Susan at 602-481-2481 for more information. Thank you
Weight Loss for healing and increased energy. 15 year experienced practitioner of Eastern Medicine, Acupuncture, and Herbs. Etherealbodyworks.com. Email etherealbodywork@gmail.com
National Charity League is a philanthropic organization whose mission is "Fostering the mother-daughter relationship through an ongoing commitment to philanthropy, culture and leadership." Close to three million hours are donated annually to over 6,000 charities within the United States. Each chapter partners with local and national nonprofits to encourage service, self-sacrifice, empowerment, social awareness, and compassion. Mothers and daughters serve alongside one another, which strengthens the mother-daughter bond. In this digital, fast-paced age, it is wonderful to see young women step outside of themselves, focus on others, and broaden their scope of experience. Focusing outward and helping others gives these young women a sense of pride, satisfaction, compassion, and empathy.
The Back-to-School Clothing Drive was founded in 1967 and provides fundamental items to high-need children throughout Arizona. They help more than 25,000 children from 260+ schools in 40 school districts. These programs help break down barriers to early childhood school success, build self-esteem and self-confidence, and ultimately confident, strong students ready to learn, achieve, and advance.
This is my first year in NCL and my very first volunteer event was at the Back-to-School Clothing Drive. I was volunteering with my mom and sister who had volunteered at the event before. My mom told me that the best job is to take the kids shopping, so that is what we signed up for. All throughout the day, busses of kids arrive at the GCU Arena for their chance to go shopping. You are partnered with a school aged child or sometimes even several kids and start the shopping! There are many different shops that the kids visit. They get shorts, polo shirts, sweatshirts, underwear, socks, a belt, and shoes. Each child wears a nametag with the specific color of shorts, shirts, and sweatshirts they need for their particular school uniform policy. The kids get excited about this, but not as excited as they get about the next area they get to shop at. There is a place of hand sewn clothes where they get to go pick out an outfit. The clothes are sewn by an organization called “Stitches of Love”. There are dresses, skirts, button-up shirts, etc. These clothes are all different colors and designs,
so they are so happy to shop here since all they have gotten so far is uniforms for school. Also, the girls get to pick out a purse and jewelry and the boys get a beanie. The smiles on their faces after shopping here are so sweet.
Next, all the kids must visit the dentist. This is definitely not their favorite part and some of them have never seen a dentist before. They get fluoride on their teeth at the end and leave with a funny look on their face because the taste is bad. After this, the kids get to pick out a couple books of their choice and a bookmark. The final stop is lunch which is provided by St. Mary’s Food Bank. During lunch, their teachers come and sit with them and then you are off to pick up more kids to shop. The shift is five hours long and very busy but rewarding. Volunteering at the Back-to-School Clothing Drive reminds us how little some people have and getting basic items like school supplies makes their faces light up. If anyone is interested in volunteering at the Back-to-School Clothing Drive, you can visit their website at backtoschoolclothingdrive.com for more information.
Mothers and daughters currently in 6th grade and up are encouraged to visit www.nationalcharityleague.org/chapter/moonvalley or email membershipmoonvalley@nclonline.org if interested in joining the organization. Visit Facebook: NCLincMoonValley or lnstagram: NCLMOONVALLEY