Moon Valley Tattler May 2023

Your Revocable Trust May Increase Your

BY LIBBY BANKS, PLLC, THE LAW OFFICE OF LIBBY BANKS

The banking industry is under fire again, with many people worried about bank failures, wondering about their own bank’s health, and their own vulnerability to losses. The FDIC insures deposits – but only up to $250,000 per deposit at each bank. If your account at a bank is over $250,000, or if you have CDs and multiple accounts exceeding $250,000, every dollar over $250,000 is uninsured and subject to loss in the event of a bank failure.

But wait! Your revocable living trust might help by increasing your Federal Deposit Insurance coverage on your bank accounts.

As I’ve mentioned many times, the revocable living trust is the foundation for most estate plans prepared in my office. The trust reduces expenses and provides for a smoother administration of your estate. It not only avoids the time and expense of a probate action at your death, but it also avoids court proceedings if you are incapacitated.

I’ve also talked about the importance of “funding” your trust – retitling your home, brokerage accounts, and bank accounts to the trust. We recommend that our clients who have a revocable trust change their bank accounts to the name of the trust to avoid probate. Now there is another reason, since the revocable trust account may be insured for more than just the $250,000 offered for an ordinary bank account.

So how much more insurance does the FDIC provide for a revocable trust account?

The FDIC recognizes accounts in your revocable trust as held in a formal trust relationship, and not just in your individual capacity. The trust as owner of these accounts is insured for up to $250,000, not just for the trust, but for each beneficiary of the trust. This additional insurance is provided if the beneficiaries are individuals or qualified charitable or non-profit organizations. The beneficiaries identified in the trust are all covered. If your trust includes general beneficiary language giving your trust assets “to my descendants,” that is sufficient as long as the number and names of the descendants can be

determined. Then, for each of your descendants – your children – and each of any other beneficiaries, the FDIC will give you $250,000 of insurance coverage.

One example the FDIC gives in its online brochure is for a depositor with a revocable trust account, and whose trust includes five unique beneficiaries. The FDIC coverage of $250,000 per account is increased to $1,250,000 for that depositor -- $250,000 for each of his five individual beneficiaries. That’s quite a difference in coverage!

This increased coverage provides many advantages. For one, because of the increased FDIC coverage using the trust, you can consolidate your bank accounts to one bank instead of opening accounts in several banks to be sure your cash, savings, and money market accounts are all insured to the maximum amount. Using one bank as your central repository for most accounts not only makes management easier during your lifetime, but, even more importantly, it makes it easier for your successor trustee when they step in. In addition, the chances of an account being forgotten or unidentified is less likely with fewer accounts as well.

The revocable living trust is a great plan for most estates. The trust is easy to use. My clients notice very little difference in how they handle their finances once they have the Trust in place and their assets titled in their names as trustees. For bank accounts, you still can deposit checks made to your name, withdraw money, and write checks. You won’t notice any difference from an account in your name, or a joint account with your spouse. With the additional FDIC insurance coverage, the revocable trust provides peace of mind.

If you have questions about whether a trust is right for you, or if you have a trust you think might need updating, I offer a free initial consultation to discuss your specific situation and talk about the trust and how it might work for you. To book your appointment, call my office at 602-375-6752. Please visit our website for more information on trusts and other estate planning: https:// libbybanks.com.

For more information on FDIC insurance coverage (including different rules for unequal distribution among beneficiaries of your trust), you can access the FDIC brochure online at https://tinyurl.com/FDICtrust.

May 2023, time just keeps marching on! I am very excited to share with all you that my brother Scott Millspaugh, proprietor of Bobby D’s Restaurant and myself will have the pleasure to start our journey as Aerie President and Auxiliary Madame President of the Sunnyslope 5729 local Aerie, on 633 W Hatcher Rd, Phoenix, AZ 8502.

What is that? You might ask.

The Fraternal Order of Eagles- People Helping People

The Fraternal Order of Eagles is an international non-profit organization uniting fraternally in the spirit of liberty, truth, justice, and equality, to make human life more desirable by lessening its ills and promoting peace, prosperity, gladness and hope.

After being a member for 20 years of this amazing organization I knew it was my time to step up and become the president for the next year. I was first introduced to the Eagles from a very special man Fred Wilson. Fred contacted me and wanted to raise money for Civitan, as the State President you can choose the organization of your choice to plan and execute all types of charity dinners, events, raffles, bingo’s, bake sales while raising $1.00 at a time. Fred Wilson handed me a check that first year for $52,000! I was so amazed at what a group of like-minded individuals could do, I decided to join. For the past several years, I have attended national conventions, state events, and many local events as well. Fred Wilson passed away this year, and we will miss him dearly, he was what an Eagle represents in the organization. I am most excited to help the many different charities we have chosen for the year and will be looking to also grow the membership and community involvement.

A untold Eagles fame is that -

For more than a century, the second Sunday in May has been set aside to honor mothers everywhere - and it all started with a push from the Fraternal Order of Eagles. On February 7, 1904, Fraternal Order of Eagles Past Grand Worthy President Frank E. Hering made a public plea to recognize mothers everywhere. A decade later, President Woodrow Wilson signed a proclamation making Mother’s Day a reality.

I would like to invite you to stop by, check out the club, it is membership only, but we would welcome you and love to tour and share the wonderful comradery and friendliness. One of the best benefits of joining is knowing that you will have many opportunities to share your time and talents helping others.

Happy Mother’s Day to all our special “moms” everywhere.

My business has gone through the roof since I started advertising in Moon Valley Tattler. We don’t even need to advertise anywhere else.”

Dawn Trapp

Pictured, the late Fred Wilson

A REcap of the BLACK MOUNTAIN COMMUNITY ALLIANCE MEETING

BY FROSTY KROENING

First of all, police officers from the Black Mountain Police Precinct talked about several “sting” operations they performed. Sometimes as many as 15 officers from the City participated in one event in order to assure safety of nearby residents as well as the perpetrator and family. The police count on citizens to report unusual patterns of behavior. Investigations begin. If there is further evidence, action is taken. The precinct is down many officers.

Second, Brad Calendar, Detective, Homeland Defense Bureau, spoke about the National Counterterrorism Center and its interface with the Phoenix Police Department for events such as the Super Bowl. He coordinates activities for our Arizona Counter Terrorism Information Center (ACTIC). What is an “activity?” It is you and me, watching for behaviors that are out of the ordinary. Police officers observe behaviors, too. But, they cannot be everywhere all the time. ACTIC receives about 370 tips a month. During the 2023 Super Bowl, there were 290 tips received in 2 weeks, a 66% increase.

Tips are put through a process and screened for hate crimes, weapons threats, chemical dangers, computer threats, school and church threats, etc. Decisions are made on the local, state, and federal levels to assign further investigations and actions to be taken. Trainings are provided for businesses, schools, government institutions, and church personnel to watch and listen for threats and plan security and risk assessment and abatement measures.

Super Bowl 2023 and NASCAR events involving several thousand people each were galvanizing events calling for extraordinary security. Black Mountain Precinct officers participated in many ways by working extra hours and investigating tips where needed. In one instance a person purchased a significant amount of an unusual chemical. He was recovering metals by using the chemical. He did not know that if something had gone wrong his whole neighborhood could have gone up in smoke! A good “find” as the person did

not know the danger he was putting himself and others in. This goes for all kinds of weapons and chemicals.

These agency people are working very, very hard to protect all of us against any and all threats. The Super Bowl, NASCAR, and other events keep the agencies busy. It is wonderful that there is a high level of coordination between local, state, and federal agencies should danger arise. Still, citizen eyes and ears are the best defense. We all are participants.

See something, say something.

Ongoing investigations regarding actions of the Phoenix Police Department are being reported in other venues. I continue to support the officers we meet at the precinct meetings. Policing is a hard job. One of the hardest but most necessary. Policing, like any other work, is subject to high ethical standards. The Department and we will continue working on these issues as well as standing in support of the Black Mountain Precinct Police.

H o w ' s Y o u r G o l f S w i n g ?

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"At 86 years old, I do not hit the golf ball as far or as well as I used to The Kinetisense program helped analyze my swing right here in our Fitness Center at Fellowship Square!" -Hazel, Resident

For more information or to schedule a tour call 602-833-7702 or scan the QR code provided

BY DR. PAUL STANTON SUPERINTENDENT, WESD

Greetings

Partners and Community Members,

This is Dr. Paul Stanton, and I am humbled to serve as the Superintendent of the Washington Elementary School District (WESD). As you may know, this month is the final month of the 2022-2023 school year. I would like to thank our staff and community for continuing to help our students succeed, and for supporting our District all school year long. Thank you for being here and choosing the WESD Family.

WESD Celebrates April SUPER Kids and SUPER Staff

It is always an honor to celebrate SUPER Kids and SUPER Staff awardees! Last month, I surprised honorees from Lookout Mountain Elementary School and Mountain Sky Jr. High School to recognize them for their achievements and contributions to the WESD. SUPER Kids received a certificate and a free pizza from Peter Piper Pizza, while SUPER Staff earned a certificate and a Starbucks gift card. Congratulations to all of our awardees! To learn more and view photos of the April SUPER Kids and SUPER Staff, please visit our District Facebook page at @WESDSchools.

Mountain Sky Entrepreneurship Students Compete in Mayors’ Challenge for Economic Education State Finals

Congratulations to the five Mountain Sky Jr. High School teams who recently participated in the Mayors’ Challenge for Economic Education State Finals! Four Mountain Sky teams qualified to compete in the Personal Finance Case Study category after finishing in the top 10 of all middle schools teams across Arizona. Excellent job to “The Lucky Charms” team, which included McKenna C., Evyn S. and Ariana V., for earning first place in this section! Additionally, shout out to the other Mountain Sky team, which included Everett B., Tessa E., Cami G. and Wrigley R., for finishing in second place in the Economic Quiz Bowl Competition! This team was one of two from the state selected to compete in the

state finals after earning the highest score on a test of economic knowledge. The WESD is proud of all our competing students for their hard work!

WESD Offering Summer Kindergarten Readiness Program

Calling all future kindergartners and families! The WESD is offering a free, four-week, half-day kindergarten readiness program this summer from May 30 to June 22 for children who are starting kindergarten in the fall. This program is available at 27 locations in the WESD and includes breakfast and lunch. Participating children will learn kindergarten routines, practice kindergarten readiness skills, make friends and more! To participate, children must be registered in the WESD Kindergarten program for the 2023-2024 school year. Families can enroll at the WESD Welcome and Registration Center, located at 3200 W. Cholla Ave., or online at www.wesdschools.org/registration. For questions and more information regarding the WESD Jumpstart Kindergarten Readiness Program, please call 602-347-2641 or email WESDKinderJumpstart@wesdschools.org

Final Thoughts

As always, thank you for supporting the WESD. We are truly grateful to have the ongoing support of our community.

Gratefully,

Dr. Paul Stanton, WESD Superintendent

Rookie Mom: Reimagining Mother’s Day –A Call to Ask What Mothers Really Want

BY BRIGHID CONSTABLE

I really think it’s time to stray away from the traditional Mother’s Day events and actually ask what your mothers/wives really want.

If you’re like my now 70-something mother, whenever she would answer that question from my siblings, she’d reply: “A happy family.”

Although this might sound like a selfless reply, it was totally loaded with expectations.

So we went with the usual: breakfast in bed or a trendy brunch, hand cut flowers, homemade cards, and a “big” gift where my brothers and sisters could chip in to get her something really nice.

But I have a confession… Last year, my husband asked what I wanted for Mother’s Day, and I mimicked my mother’s response:

“A happy family.”

And you know what?

He accepted just that.

My daughter made a homemade card, we had a lovely brunch at Mike’s Big Breakfast, and that was my Mother’s Day.

Am I horrible to admit that I didn’t really like it? (I was 4+ months pregnant, so there was grumpiness to be sure.)

Lately, I’m noticing all of these trends on social media to normalize just giving mother’s a total day off for Mother’s Day – gifting her with a spa day and letting her be, or allowing the partner to take the kids out for the entire day and let her be.

That’s great, but I think we should normalize being unabashedly open about what WE – the mother – want from the day that celebrates when we first became a parent – a magical and monumental moment that should certainly be celebrated.

What does that look like for YOU?

For me– Instead of brunch, take me to that hole-in-the-wall Thai place in downtown Phoenix for lunch with the rave reviews from Phoenix New Times. Instead of flowers, get me a new succulent for the front door ceramic pot, so it’s forever inviting throughout our oh-so warm spring.

Keep the homemade card from the kids, but husband, you better get me one, too. No Dollar Store. You know I keep every card ever given to me.

Nevermind not getting me a gift this year. Yes, I want one. I popped another child out this past year, so heck yes, please do. (A Rebecca Minkoff purse, please. They have a Mother’s Day sale. Ask me for the code.)

One last request: Call As You Wish about 10 days before Mother’s Day. Sneak the kids out of the house to paint and decorate a picture frame with both Brynn and Henry’s handprints on it. Put this article’s picture in that frame.

And that’s it.

Am I high maintenance? Probably. But Happy Mother’s Day to me.

Brighid Constable is a Tempe, Arizona native with an RPG-loving husband, a wild daughter in kindergarten, a forever-smiling baby son, and a rescued cat and dog. When she’s not editing digital media, she is dancing to Sofi Tukker on a road trip up north or falling down the Mindy Kahling television rabbit hole. She has written for Hello Giggles, Scary Mommy, and Phoenix magazine, among others.

Moon Valley Women’s Club Awards

$1,500 Grant to The Undie Chest

The Moon Valley Women’s Club’s 501(c)(3), MVWC Service Project, has awarded a $1,500 grant to The Undie Chest’s Everyone Deserves Underwear (E.D.U.) Program.  The mission of this vital program is to reduce hygiene poverty in homeless youth attending school.  The Undie Chest Executive Director Elaine Birks-Mitchell (pictured) was recently awarded the Inspired Adult Leadership award by Governor Katie Hobbs.

To date, the MVWC Service Project has donated over $75,000 back into the local community.  All grant recipients are nominated by current Club members.  For more information about joining the Moon Valley Women’s Club, please visit mvwomensclub.org/

Those Three little words

MOON VALLEY MAGIC BY DEBBIE ERBSTOESSER

The words I Love You shouldn’t be taken lightly, but at the same time they should be used frequently. Our boys grew up saying I Love You all the time, anywhere, anytime. They didn’t care if their friends were around and heard. Gary drilled them with, “Never be embarrassed of your mom!” and they never were. I feel sorry for the parents who have kids who want to be dropped off a block away from their friends, so they won’t be seen with their parents. Never, ever did that happen to us. It always made my heart so happy when they’d yell “I love you” to both Gary and me. It didn’t matter where we were. I never took it for granted, knowing that some of my friends weren’t so lucky.

Once Jaden’s friend found one of my lunchbox love notes and made fun of him. He simply shrugged and said, “Your mom doesn’t love you too? I feel sorry for you.” And that was the end of that. Of course this child’s mom loved him, but not all families say it as often as we do. On a field trip a friend of Jon’s made fun of him over a lunchbox love note and he said, “You never get these? I’m sorry!” Again. . .that was the end of that.

When Gary and I started out almost 43 years ago I noticed that his family loved each other deeply, but they never said so. One night at my urging, Gary told his mom I Love You at the end of their phone call and she cried. It had a pretty profound effect on him. He started telling his siblings and they started saying it back. I don’t think any of them ever realized it began with me and it doesn’t matter. It just warms my heart that they started saying those three little words and used them liberally way before my in-laws passed.

Jaden uses them to end every phone call with his closest friends. I’m sure they were weirded out by it at first, but just last night I heard him reply, “I love you too.” And he wasn’t talking to his girlfriend, Inez. That’s the ripple effect at work. I infected Gary’s family with I Love You and Jaden is passing it on to his friends. . .who will pass it on to their families and friends. ;)

Though I have mentioned Jaden and Jon, Joel is also just as loving. His words of affirmation and admiration for his little brother, during one of Jaden’s darkest times, brought me to tears. We don’t all get together that often, but when we do it’s magical. We enjoy each other’s company so much. To an outsider it might not seem so (as they love to roast each other-as only men can), but when they part, its hugs and I Love You all around.

It’s true that in my little corner of the world, it all started with me, but Gary took it to the next level and Jaden (the other pea in the pod) is furthering the legacy. Now if only the other three little words would take effect like I Love You has and that would be . . . Clean After Yourself !!!

Now THAT would be more than magical. It would be a miracle!

What is Bruxism?

If you’ve been to the dentist lately and heard them say bruxism, you wouldn’t be alone in not knowing that they are talking about. Bruxism is the term dentists use for teeth clenching or grinding and can be destructive to your teeth. Clenching or grinding can be involuntary reations to anger, fear, or stress and often occurs without people even realizing. Bruxism can happen while awake or asleep, but you’re more likely to recognize it and stop during the day. At night however, it can occur and most people don’t know. The only signs or symptoms are sore jaw joints and worn down teeth. Because of the force applied during episodes of bruxism (up to 250 lbs of force!), it can pose serious risks to tooth and jaw health, and may require treatment.

Common symptoms of bruxism are jaw or neck pain, which occurs due to the tightening of the chewing muscles. Morning headaches are another potential symptom. Along with a sore jaw or neck, bruxism can also wreak havoc on your teeth, and any fillings or crowns already existing in your mouth by wearing through them till they become too thin and eventually break.

You might ask your dentist at your next what options or treatments there are to prevent bruxism. While there are no treatments that can completely eliminate or cure teeth grinding during sleep, there are several approaches that can decrease it or limit the damage done. The most common method is a night guard, which covers the teeth so that there is a barrier against the massive force and impact of grinding. A night guard is custom fitted to your mouth and teeth and is made of a strong material that will last for years. In severe cases of bruxism, botox injections can help reduce some of the force produced by your chewing muscles. Checking in with your dentist is the best way to prevent major damage to your mouth and to get their recommended treatment.

For any other questions or concerns about gum disease, feel free to contact AZ Family Dental! 602-922-5969

Get Involved with Your Neighborhood Association

ARTICLE BY MVNA PRESIDENT DREW HUTCHINSON

The Moon Valley Neighborhood Association (MVNA) is looking for more volunteers to get involved and help make a positive impact in our community. Whether you are interested in serving on the board, joining a committee, championing an event, or simply volunteering your time, there are plenty of opportunities to get involved and make a difference.

As a community, we come together once a month to discuss neighborhood issues and how we can better serve our community. This is where you can get involved and make your voice heard. We need individuals who are committed to making a difference in their community and are passionate about making Moon Valley an even better place to live.

Joining the Board

The MVNA board is responsible for overseeing the association's operations, organizing events, and addressing any concerns or issues that arise within the neighborhood. We are looking for individuals who are organized, dedicated, and have experience in leadership roles. Serving on the board is a great opportunity to take an active role in shaping the future of our community. Please reach out to to us at www.moonvalley.org

Joining a Committee

There are several committees within the MVNA, each with a specific focus. Whether you are interested in traffic safety, neighborhood beautification, or community events, there is a committee for you. Committee members work together to plan and execute projects that benefit the community. This is a great opportunity to connect with other like-minded individuals and make a tangible impact in our neighborhood.

Championing an Event

The MVNA hosts several events throughout the year, including holiday celebrations, block parties, and fundraisers. We are looking for individuals who

are passionate about planning and executing events. This is a great opportunity to showcase your creativity and bring the community together.

Volunteering Your Time

If you are unable to commit to a specific role within the MVNA, there are still opportunities to get involved. We always need volunteers to help out at events, participate in community service projects, and assist with other tasks as needed. This is a great way to give back to your community and meet new people.

The MVNA is committed to making Moon Valley a great place to live, and we need your help to do so. By joining the board, a committee, or simply volunteering your time, you can make a positive impact in your community. We meet once a month to discuss neighborhood issues and how we can better serve our community. We look forward to seeing you at our next meeting! Please contact us with any questions at www.moonvalley.org

Flerish Thrift + Gift stores resell community donated goods to support Civitan Foundation, Inc. and the more than 300 individuals with disabilities they serve.

Flerish Thrift + Gift also works with Civitan Foundation, Inc. to employ individuals with disabilities who work to not only increase their career skills, but to also transform the donations Flerish Thrift + Gift receives into beautiful pieces for shoppers to enjoy.

Clothing (current and in excellent condition)

Jewelry & Accessories

Shoes

Handbags

Furniture (Couches, End Tables, Desks, Dining Room Tables & Chairs, Etc.)

Housewares & Small Kitchen Appliances (Microwaves, Blenders, Co ee Makers, Etc.)

Home Décor & Art

Electronics

DVDs, CDs & Video Games

Let’s Talk About Balance

BY ANDY FEIGUM, FITNESS DIR. AT ANYTIME FITNESS

Balance, or sense of equilibrium, comes from three separate systems (Visual, Proprioceptive, and Vestibular) working together to make a person feel steady on their feet. If any of these systems become compromised, a person’s sense of balance becomes compromised.

Visual feedback is the fastest way for the body to determined how it’s orientated related to other objects, that is, whether we’re upright or lying sideways. Proprioceptive feedback is delivered through physical means such as pressure on our feet while we are standing or moving, or when we bend our knees or elbows. Vestibular feedback is provided through mechanisms in the inner ear and as long as both sides are functioning properly, provide symmetrical information to the brain.

There are things that affect balance that can be difficult to offset, medications and medical conditions are common causes of impaired balance and may require specialized treatment. Age is the most common factor when it comes to feeling as though you are not as steady as you used to be, with reduced sense of stability beginning as early as mid-50s. A quick and easy way to test your balance is to stand on one foot, a good sense of balance will allow an individual to remain stable for at least 30 seconds with more than 60 seconds being the goal.

If you feel like your balance isn’t what it used to be, there are some simple exercises you can do to improve it. Find a safe place with something you can steady yourself, like a counter top or the back of a chair and stand on one foot for 30 seconds then switch feet and repeat for three to five rounds. Working on core strength with planks and plank variations can also help you feel more balanced by improving your ability to recover from a small stumble.

If you have any questions about how to improve your balance or just want to improve your overall quality of life, stop by the gym and let me know, I’m always happy to help!

Just Ask Julie

BY JULIE PEK

Tattler reader Pat asked me “What’s it take to own an investment property?” Since I don’t own investment property, I asked a past client of mine. She bought one of the Villages townhomes when she was 23 years old for herself and enjoyed living there until she got married. Instead of selling, she decided to turn the property into a rental and quickly became a landlord.

You can hire a property management company to handle the details of the rental, but she and her husband have done it on their own for many years. Their success is built on their pride of ownership and positive attitude toward tenants. She believes in treating tenants with respect and kindness. And as a result, she had long-term tenants – one who rented for 20 years and became family to her.

In addition to being organized, here are some basic things to consider when getting into the rental business: (1) well-maintained property; (2) budget for unexpected costs; (3) understanding of landlord/tenant laws; (4) landlord insurance; (5) screening system for applicants; (6) lease agreement; (7) payment system and plan for issues arising from nonpayment; (8) being responsive and willing to be on call for emergencies.

Owning rental property is not a passive income stream with tax benefits. It takes a real commitment to make it work. Talking to an experienced landlord is a good first step in understanding the pros and cons of investment property.

If you have a question about real estate contact me at juliepek@cox.net or 602-316-1875. If I don’t have the answer, I’ll find it for you!

Values and Questions:

Conversations at Shadow Rock

By Rev Kenneth Heintzelman

Our fellowship hall at Shadow Rock UCC is a space we love to share with our community partners. This includes scouts, legislative district groups, Desert Progressives, All-Anon, Naranon, AA, and St. Teresa’s Ecumenical Catholic Community. Being this way in our community is one of the ways we live out our core value of inclusion. Sometimes we miss an opportunity to be open, affirming, and welcoming of every human being but leaning into inclusion is definitely a part of who we are.

Sometimes we miss an opportunity right in front of our eyes. On the edges of our community are people who are homeless and some who struggle with addiction. These are vulnerable human beings. We experience them as risky and they evoke feelings of vulnerability in us. Where do they come from? Why are they in the condition they are in? Why are they here? What can be done? What do I do when my children ask these questions? The questions are uncomfortable but we save our humanity when we live with the questions and the discomfort. There are no easy answers or solutions. So, we crack open our car windows and hand out bottles of water, and energy bars, change from our car stash compartments, and $5 McDonald’s gift certificates. We do this to appease our conscience but it also preserves some human dignity for the moment. We do not wish they would go away. We pray for strength and compassion to endure and transform.

A large banner hangs in our fellowship hall. It is bright and colorful in its design and its message. It reminds us to be the church by protecting the environment, caring for the poor, embracing diversity, rejecting racism, forgiving often, fighting for the powerless, sharing resources, and enjoying life! We benefit from being a part of the Moon Valley community. We hope Moon Valley benefits from us being a part of you.

Did something in this article start a spark of curiosity for you? You’re invited to continue the conversation with others - our community of inclusion, justice, and spirituality gathers on Sunday mornings at 10:15 am.

AHS WAIVING ADOPTION FEES FOR PETS

6 MONTHS AND OLDER, COURTESY OF BISSELL PET FOUNDATION:

Special Runs Through May 15th to Help Critical Capacity Needs, AHS Currently Caring for 1,100 Pets

The Arizona Humane Society (AHS) continues to face critical capacity issues in several areas of the shelter as it cares for more than 1,100 sick, injured and abused pets within its shelter and Foster Hero homes, with upwards of 75+ homeless pets rescued by AHS each day. To create lifesaving kennel space in its trauma hospital and ICUs, AHS is hosting an adoption special where  all AHS adoptables 6 months and older have WAIVED adoption fees through May 15th, courtesy of BISSELL Pet Foundation!

Adoption Special Details:

WAIVED FEES!

Pets 6 months and older!

Both AHS South Mountain & PetSmart Scottsdale (Miller/Camelback) adoption locations!

View AHS’ adoptable pets at  azhumane.org/adopt, the site updates hourly!

AHS currently has more than 170 pets available for adoption, with dozens more behind-the-scenes waiting for an adoption kennel to open up and even more that become available each day. Pets like Phyllis and Angela, pictured above and left respectively, three-year-old Poodles who were rescued by AHS Cruelty Investigators with six other dogs in March of this year after they were found abandoned with no food or water. Treated in the shelter’s trauma hospital, these sweet girls are hoping this special will help them find their forever homes!

Adopting from the Arizona Humane Society helps save not just the life of that pet but also allows space for even more, sick, injured and abused pets to be cared for. Not only are all pets spayed or neutered, vaccinated and microchipped, but adopters also receive a free VCA pet exam and discounts in AHS’ Petique Store and more.

For more information and to see AHS pets currently looking for adoption, visit azhumane.org/adopt! Additionally, AHS is in need of Foster Heroes – those who are not able to adopt are encouraged to learn more about fostering a pet in need at azhumane.org/foster!

A different way of thinking

Do you remember the story about the farmer who was seen whacking his mule in the head with a 2 x 4? When questioned, he replied “he’s a good worker, but first you have to get his attention.” Guess what, I’m kind of like that mule. This escalation in rates is like getting hit with a 2 x 4. Where did all the business go?

Since I have been dealing with Reverse Mortgages, I have told my borrowers that although you qualify at age 62, you may be better off waiting until you are a bit older because you qualify for a bigger payout as you age. That is true. But there are a lot of advantages that might be eliminated by waiting.

By considering the equity in your home as part of your retirement strategy instead of a “means of last resort,” you open up a lot of possibilities. Just suppose that at age 62, you have enough home equity to qualify for a Reverse Mortgage. You may not end up with a big cash surplus but what if you could pay off your current mortgage with little or no cash out-of-pocket and eliminate your current mortgage payment? This is like getting an instant raise equivalent to the principal and interest payment on your current mortgage.

This strategy includes the intention to refinance this loan when it makes sense. With the extra income there are options. One possibility is to delay your Social Security income. The longer you wait, the more per month you will receive when you finally elect to start the distribution. Another possibility is that you may not have to dip into your retirement stash, especially when the market is down.

Look Mom, no Hands!

BY LEON TRY ME BIKE SHOP

GERRY JOHNSON

Here is something which escaped me at the outset of my career, refinancing a Reverse Mortgage is easy. Much easier that redoing a forward mortgage or HELOC. There is almost no qualifying, and most importantly you have already paid the Upfront Mortgage Insurance Premium with the original loan. I’m not saying that there isn’t a circumstance where you might have to pay a portion of UFMIP again, but I’ve never seen one, and if so, it is rolled into the loan. Thus, refinancing a HECM, FHA’s version of a Reverse Mortgage, is not too expensive, and perhaps the loan officer might extend some lender credit to make it even less expensive.

Another thing to remember, as you age, you qualify for a higher percentage of equity distribution. This along with the implicit home appreciation makes a Reverse Mortgage refinance a lucrative strategy. And, a cash surplus may suddenly appear.

Timing is important. Finding the right Reverse Mortgage Specialist is crucial. Discuss your situation and devise a strategy. I have refinanced several of my RM clients. They actually have become good friends. One even gave me a putter the other day.

The point is this, there really isn’t much advantage in waiting. Find a trusted, knowledgeable loan officer and determine your options. You will be glad you did.

Riding bike without holding the handlebars is great fun though dangers. A bump can send you flying over the bars and damage the bike. Not getting to the brakes in time to slow for curve can also leave you low. Other bike riders could be put in harms way. You say I seen the tour de france riders winning and putting there arms in the air as they cross the finish line . That’s why they get the big bucks don’t be tempted! I want to do it anyway just like when I was young. Why won’t my bike ride straight. Could be just as simple as a tire that is low on air. Might be a bent wheel,fork, or frame. Try a different bike that is known to ride straight by other riders. Should this bike have the same issue its you. Try me bike

or 50 years, I have been providing exceptional loyal service to my clients of all �inancial backgrounds. From income tax preparation to live weekly payroll, accounting consulting and overall bookkeeping, my team and I pride ourselves on protecting your �inancial health.

With my service in the Marines, and my years of service to our community, my work ethic and commitment to you is second to none. Contact us today to take care of your accounting needs.

Getting moving!

It’s May in Moon Valley!

It looks nice. We just have a few changes. On the top take o the

rays because

Friday we are open from 8-12

School is letting out for the summer, graduations, community gatherings and Memorial Celebrations will be planned. At Moon Valley Chiropractic, we will be here to help you live your best life and fully enjoy these types of experiences with more mobility and optimized health. We love to hear about all that is happening in our neighborhood and we also love receiving and sharing our patient testimonials. Recently we received this letter from a satisfied registered nurse.

Please send one more proof, thanks

“I have had carpal tunnel syndrome for several months. The pain was so bad it woke me up. Three medical doctors said I needed surgery! Thanks to Dr. Reichow and a few lifestyle modifications, my symptoms are 90% reduced and manageable.

I have also had chronic low back pain for more than thirty years and am not able to lay on my back. With just one lumbar decompression treatment and regular adjustments, I am now able to lay on my back for ten minutes with NO PAIN!

My right knee is bone on bone and Dr. Reichow has helped that, too.

He offers several modalities including taping, decompression, electrical stimulation, and radial pressure wave therapy. This is in addition to regular adjustments.

He listens, involves me in the plan of care, and educates me/answers my questions.

He has been in the same office for twelve years at 7th Street and Coral Gables. I give him the  highest  recommendation for anyone looking for a professional, educated, and competent Chiropractor. Shari Alton, RN, once very skeptical about Chiropractic Care!”

We love helping our community members heal naturally and begin to experience and understand the lifelong benefits of chiropractic treatments which extend beyond alignment adjustments for subluxations and into other complementary holistic health areas. This is the foundation of integrative care and the cornerstone of our practice at Moon Valley Chiropractic. We do our best to accommodate same-day appointments. To schedule your appointment, please call our office at 602-298-0292.

local

Stuart Hansen, Trish Hansen Kerr and Brad Hansen

Tanner

The AntiDementia Vitamin

BY NICHOLAS WARNER, DC

Dementia: It’s a word we all dread, even at a young age – as soon as we’re old enough to start thinking about what life will be like when we’re old. We realize that if there’s one thing perhaps even more important than keeping our bodies healthy and functional, it’s keeping our brains that way, too. Unfortunately, dementia – the #1 form of which is Alzheimer’s disease –can destroy our dreams of healthy aging.

Enter vitamin D – let’s call it  the anti-dementia vitamin, because research suggests people who supplement it when they’re older have a lower risk of dementia than people who don’t, pure and simple. A research team discovered that among older adults (at least age 71 at the start of the study), those reporting taking vitamin D supplements at baseline (any “vitamin D exposure”) were significantly less likely to experience dementia / receive a dementia diagnosis over a 10-year period. We’re talking a  40% lower dementia risk if taking vitamin D vs. not taking it. Findings appear in  Alzheimer’s & Dementia: Diagnosis, Assessment & Disease Monitoring.

Now if you know anything about vitamin D, you’re probably thinking: Why take a vitamin D supplement? I can just go outdoors every day. While direct exposure to sunlight is the primary source of vitamin D, it’s also complicated greatly by factors such as skin cancer risk, climate / weather, etc. Common food sources of vitamin D (particularly dairy) come with their own health issues. That’s why an estimated 42% of the U.S. population is vitamin D deficient according to the National Institutes of Health. Talk to your doctor to learn more.

Thunderbird

High School Students

Get

Accepted into West-MEC’s Career and Technical Programs

Excellence continues at Thunderbird High School as West-MEC students were accepted into one of West-MEC’s thirty career and technical programs. They will begin their program next year while they also attend Thunderbird. Upon graduation each of these students will have the opportunity to sit for industry certifications, which will allow them to work in their chosen career path and/or further their education and build upon their knowledge.

To learn more about Thunderbird news, visit @ThunderbirdHighSchoolAZ on Facebook.

Save the Dates for GUHSD Graduations

Mark your calendars for Glendale Union High School District graduations! All graduations will be held at the Desert Diamond Arena located at 9400 W. Maryland Avenue in Glendale. To view, all dates and times see the list below. We look forward to celebrating the Class of 2023.

May 22, 2022

Cortez High School - 10:00 AM

Thunderbird High School - 12:30 PM

Moon Valley High School - 3:00 PM

Greenway High School - 5:30 PM

Sunnyslope High School - 8:00 PM

May 23, 2022

Independence High School - 10:00 AM

Washington High School - 1:00 PM

Apollo High School - 4:00 PM

Glendale High School - 7:00 PM

To learn more about GUHSD news, visit @GUHSDAZ on Facebook.

Join GUHSD’s Free, Signature Summer Opportunities

Glendale Union High School District’s signature, free Summer Opportunities are available once again for eighth-grade students and current GUHSD students. GUHSD’s Summer Opportunities include Summer School, and Summer Academies, which will provide students with opportunities to expand their skills and knowledge, and prepare them for the important next step. Don’t allow your child/teen to miss out on this chance to attend GUHSD summer opportunities!

To learn more GUHSD news, visit our Facebook page @GUHSDAZ

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.

The cost for paper shredding is only $.55 per pound or a minimum fee of $15 if the weight is less than 30 lbs.

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!

ISO Antiques

Buying Antinques & Collectibles - selective online sales. Call Cheryl - 480-229-3376 - Emailbackintheday@cox.net

Clear Advantage Window Cleaning

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

Distribution Information

The Moon Valley Tattler is distributed monthly free of charge to Moon Valley area homes. Additional copies are distributed at rack locations.

Content in full or part may not be reproduced without the written consent of the publisher. Opinions expressed by contributors are not necessarily the opinions of the publisher and do not constitute an endorsement of products or services. Publication of an ad does not constitute an endorsement. Business profiles are based on information supplied from advertisers. Readers are urged to verify. Articles and photographs can be

Independent

Catholic Community Weight

Piano Lessons

PRIVATE ONLINE & IN STUDIO

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. www.PianoKeysToMusic.com

Music Educ/Pianist

Established MV Moon Valley Studio. 602.971.0089

Valerie Thomas

THE MOON VALLEY TATTLER, LLC

info@mvtattler.com

moonvalleytattler.com

602-765-0902 @moonvalleytattler

St. Teresa of Avila. Join us for Mass! Saturdays at 4:30 p.m. Shadow Rock UCC, Education Building Chapel, 12861 N. 8th Ave., Phoenix. ALL ARE WELCOME! Stavila.org

Weight Loss for healing and increased energy. 15 year experienced practitioner of Eastern Medicine, Acupuncture, and Herbs. Etherealbodyworks.com. Email etherealbodywork@gmail.com

Drywall Repair & Popcorn Ceiling Removal

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

CAREGIVER: Available for Work

15 years experience. If interested please contact Susan at 602-4812481 for more information. Thank you

Cleaning Services

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.

RAMADA’S & OUTDOOR KITCHENS

BY TOM SERTICH, KIRK DEVELOPMENT COMPANY DESIGNED

If you are looking for design ideas for a shade structure where you can relax and enjoy your backyard you should consider building a Ramada, Gazebo, or Pergola. Ramada’s and Gazebo’s are built as shade structures and Pergola’s have an open concept with less shade. They are all ideal for any outdoor space.

Weekends enjoyed in the back yard and dinners on the patio are an Arizona tradition. It doesn’t take much planning to set up a nice BBQ or kitchen area under a new shade structure. Moving cooking to the outdoors gives you a more relaxing atmosphere and generally an easier clean up.

Outdoor spaces should be comfortable and festive. Outdoor furniture has come a long way with the same comfort of your indoor furniture. They have cushions that are made of waterproof material that hold up well in the outdoor setting. Try lighting up your new shaded area with strands of LED light bulbs. They are festive and give off more light than you think.

There is a wide variety of BBQ grilles, outdoor kitchen and ovens. You can also purchase BBQ accessories, outdoor furniture, warmers, beverage chillers, refrigerators, sinks and electric smokers. Companies offer endless choices at any price range.

BBQ grilles come in a variety of options. Electric, Gas, Charcoal, Smokers and pizza ovens. You can choose from standalone grilles, or built in BBQ grilles. Built in BBQ’s can be masonry or prefabricated. The grilling width is important based on how many people will be joining in on the BBQ. There’s nothing more satisfying and relaxing than cooking on an outdoor fire.

If you are looking for ideas on how you can take advantage of space in your own back yard, the internet has an endless supply of ideas. Let your imagination go wild and create a hide-a-way all your own or a place for the whole family to enjoy.

Start planning now and see how easy it is to enjoy the Arizona Lifestyle! Contact Kirk Development 602 944-3658 for a free estimate. If you are interested in receiving our newsletter please send the request to designbuild@kirkdevco.com, or call us at 602 944-3658.

Handy Dandy Classifieds Form

BUILD REMODELING COMPANY

Phoenix Real Estate Market: Continued Improvement

By Jackie Briggs | Locality Homes

At the start of the year, our outlook for Phoenix real estate was cautiously optimistic due to an increase in listings under contract, which moved us back into a “balanced” market. While demand is considered 18% below normal for this time of year, supply is 40% below normal. As the year has progressed, we continue to see signs of improvement for sellers. Compared to last month, we have fewer active listings, more homes under contract, and fewer days on market before a home is under contract. All of these signs are positive indicators for sellers as we head into summer!

While prices are remaining stable, sellers can still expect to negotiate with buyers on closing costs and reasonable repairs. Price points between $250K-$800K are showing 40-57% of sales involving seller-paid closing costs, typically used for a permanent interest rate buy-down, or a temporary 2-1 buydown to benefit buyers with much lower payments for the first two years of homeownership.

If you’re considering a move in 2023, contact Moon Valley’s real estate experts at Locality Homes for a no-pressure consultation.

Titans Rise Above with

This Year’s Achievements

BY ASHLEY SWAW

As the school year draws to a close, it is time for Thunderbird High School’s Titans to reflect back on all the incredible things they have accomplished this year.

Titan’s sports had a year marked with high accomplishments, with many going on to win some big awards. One of these sports included cheer, who, with the help of both varsity and junior varsity went on to place 11th in Nationals. Like many sports, cheer was about more than just winning but also about comradery. Senior varsity cheer member, Ruby Reynolds, spoke about overcoming adversity: “...even though we went through some tough times, our team was always strong.” One of the crowning jewels of the year though, would definitely have to be varsity football, who made it as far as the State Quarterfinals and were Regional champions. It is also important to mention our swim team, who made it to the state competition. While not all teams were as successful as these, their players and coaches put enormous amounts of effort into making our school proud and their dedication does not go unnoticed.

Academically, Thunderbird has thrived as well through showings of its strength. Students Jazmin Santillan and Esteka Hernandez received silver and bronze awards for their respective areas of Interview and Math in the Academic Decathlon. Senior Houston Hull also received the Student of the Year award during the Achievement Above All ceremony in February.

Another area of importance is our fine arts and art departments. Our incredible marching band, under the guidance of Melody Wilson and senior Someina Kundu, was able to secure fourth place at the State championships. Students Cierra Reilly and Khloe Weeks also brought great honor with their respective wins in Photography and 3D Design. While they may not have won what one would call “awards,” our Theater program has achieved some incredible feats this past year. Over the past year, our school has had the honor of being hosts to productions of Radium Girls and Zombie Prom. These two shows have garnered glowing reviews from those who saw them and we look forward to seeing what they do next.

It is safe to say that the past school year has only exemplified Thunderbird’s status as an incredibly well-rounded school filled with a diverse range of talent.

AZ Women’s Partnership Awards another $33,500

The Arizona Women’s Partnership, an all-volunteer philanthropic nonprofit based in Moon Valley, is pleased to announce the awarding of a total of $33,500 to their 2023 grant recipients:

About Care for the Elderly - provides services to the underserved elderly in the East Valley;

Alice’s Place - provides counseling and shelter for victims of domestic violence in Winslow;

Angel Heart Pajama Project - provides PJs and books to abused/neglected/foster care children in Tucson;

Arizonans for the Protection of Exploited Children and Adults - shelter for sexually abused girls;

AZ Reach - services for disadvantaged teens on the Westside - clothing / school supplies / mentoring;

Ballet Folklorico Quezalli AZprovides cultural opportunities for Hispanic youth - based in Mesa; Books for Classrooms - provides books for children of the Tohono O’odham Nation in Southern AZ; Care for the Caregivers - provides services to caregivers of disabled children Valley-wide;

Control Alt Delete - provides services for women and children fleeing domestic violence Mesa;

Desert Sounds Performing Arts - provides musical instruments / instruction for low-income youth Mesa;

Dignity House - provides shelter for sexually trafficked / domestically abused women in Metro Phoenix;

Esperanza Dance Project – services and therapy for survivors of childhood sexual abuse in Tucson;

Grand Canyon Music FestivalNative American Composer Youth Project Navajo /Hopi/Salt River-Pima;

Helping At Risk Teens (HART)provides food and supplies for underserved youth in the West Valley; Neighbors Who Care – provides services for the elderly poor in the East Valley;

Phoenix Legal Action Network – pro bono legal assistance to immigrant families statewide;

Rising Youth Theatre – multi-generational artistic programs focused on Title 1 Schools in Phoenix;

Somali American United Council of AZ - serves a variety of different refugee groups in Metro Phoenix; Sounds Academy - music program for underserved youth Valley-wide; Sounds of Autism - supportive services for the population dealing with autism Valley-wide;

Village of the Valley - supportive pathway programs for women who have survived abuse - Phoenix; and Y.E.S. for Navajo Youth / Dine’Bike’yah - provides various programs for youth on the Navajo Nation.

“We are so very grateful to our donors over the past 20 years, especially to the Violet M. Johnson Family Foundation. With this support, we have been able to award over $600,000 in grants to 92 small charities throughout the state that provide critical services to our most vulnerable populations. Most of these nonprofits are multi-year AZWP grant recipients. They assist a diverse population of approximately 250,000 on an annual basis”, notes Paula G Cullison, AZWP - Founder and President.

For more information, visit: www.azwp.org or email: azwpinc@aol.com

Arizona Women’s Partnership 2023

Grant Review Committee:

Seated L-R: Mike Simonyi, Linda Herold, Paula Cullison (AZWP Pres/ Founder) Mary Montalvo

Standing L-R: Susan Bulfinch, Krystyna Bethell, Richard Szawara, Julie Pek, Joanna Meyer, Pamela Gill (AZWP - VP)

Not pictured: Tim Cullison and Joyce Winston

Paula and Tim Cullison, Pamela Gill, Krystyna Bethell and Julie Pek are Moon Valley residents.