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Did you buy stock or other assets at a low price? Do you own stock that has increased in value with no way to trace what your original purchase price? Giving stock and other highly appreciated assets with a low basis can be a great way to support your favorite charity. As the donor, you are able to claim the charitable deduction for the value of the gifted assets. The charity, meanwhile, can accept the gift and cash it out without paying taxes. This gift benefits your favorite charity and avoids capital gains taxes on the appreciated assets.
Another option to support your favorite charity is a gift during your lifetime by making a Qualified Charitable Distribution, also known as a charitable IRA Rollover. Individuals who are age 70 ½ or older can direct their annual required minimum distributions (up to $100,000) from an IRA to a charity tax-free. However, the payment must be made directly to the charity to qualify for this tax-free distribution. While the individual distributing this gift from an IRA doesn’t receive an income tax charitable deduction, they also don’t have to recognize the distribution as taxable income. If you are already making gifts to a charity each year, this can be a way to benefit your charity and reduce your taxes at the same time.
Just remember you cannot take the distribution into your bank account first! The gift must go straight to the charity from your IRA. The advice of a CPA will ensure you do this properly.
Making Your Charity the Beneficiary of your Traditional 401(k) or IRA
Your contributions to your traditional 401(k) or IRA are pre-tax money. You, or an individual inheriting the IRA from you, will pay taxes when they withdraw the funds. If you have a beneficiary on your retirement accounts who is 10 years younger than you, they will have to withdraw all of those funds within 10 years of your passing. If giving to charities is part of your plan, then making the charity the beneficiary may be the better plan, tax-wise. Naming a charity as a beneficiary means they will pay no taxes on the distribution of that traditional retirement account. Note: be careful when you have both individual beneficiaries and charities on the same IRA, as there can be unintended tax consequences when you do so. Consult with an attorney or CPA to avoid any issues.
The Donor-Advised Fund
Donor-Advised Funds offer a simple way for you to benefit a variety of charities during your life and beyond. A donor-advised fund can be established with, for instance, a community foundation. In our state, the Arizona Community Foundation is one choice for a donor-advised fund. The donor can give cash or securities to the fund. He or she receives an income tax charitable deduction for the year of the donation. The donor designates the charities that they want to receive the benefit of their donation – or they can designate the types of charities rather than specific charities. A donor advised fund can be used for a gift from your estate after your death as well.
Charitable Remainder Trust
A charitable remainder trust allows the donor to give assets to an irrevocable trust that then provides income for one or more individual beneficiaries (even you and a spouse), and at the end of a specific time period, or on the death of the beneficiaries, the remainder of the assets are given to charity. This type of trust can be another method to gift highly appreciated assets. The trust will permit the donor to claim an immediate charitable deduction for the value of the assets that will ultimately pass to the charity. The donation also avoids the capital gains taxes on any appreciated assets.
If you are interested in charitable planning for your estate, our office can help. Call the Law Office of Libby Banks (LibbyBanks.com) for an appointment to discuss the options at 602-375-6752.
Spring Fever… who has it, what is the cure? Well there seems to be two different kinds circulating around the city. The kind that needs lots of sleep, fluids and sometimes medication, while the other kind of spring fever is much more fun… and very easy to cure!
Spring Fever is a term applied to several sets of physical and psychological symptoms associated with the arrival of spring. In general it refers to an increase in energy, vitality and particularly sexual appetite. It is not in the category of a diagnosed illness, but rather a phenomenon thought to be initiated by a change in the season.
In other parts of the country the symptoms usually hit hard from midMarch to mid-April, and have more of an impact because of the extreme weather changes during this period. Here in Arizona sometimes it can start as early as February.
Although the causes of spring fever have not yet been fully determined, hormone balance may play a role. According to this theory the body’s reserves of the “happiness hormone” serotonin, whose production depends on daylight, become exhausted over the winter, making it especially easy for the “sleep hormone” melatonin to have its effect. When the days become longer in springtime, the body readjusts its hormone levels, and more endorphin, testosterone and estrogen a re released. In addition, temperatures usually fluctuate greatly in springtime. When temperatures rise, blood pressure drops, since the blood vessels expand. Food also plays a role. In winter one tends to consume more calories, fat and carbohydrates than in summer.
Wow…. I guess you did not know it was so technical, I also believed it just had to do with the many ballgames, beer festivals, farmers markets, hiking trails, desert blooms and wanting to play outside. So I guess the only cure is to GET OUT , take in the many wonderful spring happenings, the next problem will be just how to choose one event over another, hope the 100’s do not hit early!
I want to share a special evening with you. Ninety five years have passed. As with any life, the road has run crooked, crawling over swamps and flying high with exuberance. I will tell you about the special hours that are my reward. I pull them close and hold them tight. If you are fortunate enough to be allowed this gift, you will recognize and appreciate it. It only happens once.
How do you spell ‘happiness’? Taste it? Hear it? Feel it? Did those early humans dressed in their warmest bear skins, with their sharpest rocks, find symbols to put a picture of bliss in their sheltering caves?
The early morning light comes into my window. From a crumbled bed I ease away from the nightly hurting, reach for the walker and push toward the bathroom. I pick up a small plastic cup of pills, the morning routine to ease pain, toss them in my mouth and sit to pee. I’m more asleep than awake. Words are floating in my head and I can’t ignore them. They won’t let me go back to that sleepy bed. I turn on the light and the computer and the microwave. I sit with a burning hot cup of Nescafe. I must make sense of what won’t let me go.
Returning to a dozen hours ago -- I lean with a pillow behind my back in the rear seat of the battered red car. The son of my departed son and his magnificent wife discuss the path to our destination. My grandson’s maimed eye won’t let him drive at night. She ignores miserable allergies so that our family can be together for this special occasion.
We head toward a court house over thirty minutes away, looking forward to the wedding of my great-granddaughter and her love.
We park in a tree shaded Arizona courtyard. I’ve left the walker at home, not wanting it to get in my way. I’m helped out of the back seat of the car and we head toward our group in front of the official building. All those beautiful people, dressed in their Sunday best, and with strong arms waiting to help me.
It is matrimony time for maybe two dozen couples. A promise of the future covers the air.
I find a stone seat and watch two cultures combine. One, mine, with their
feet coming from Plymouth Rock, and his, with family driving across our Southern border.
We watch the bride’s car arrive. She wears white satin and net and flowers. Her mother adjusts the flowing train. Her friends carry big boxes with white flowers on top and cake inside. Going through the entrance we pass security, empty our pockets, are patted down, and are ready to wait. Other parties surround us, quiet talking, with an occasional burst of nervous laughter, an occasional baby’s cry.
I am clumsy without my walker and find an out-of-the-way seat. I’m never by myself. One, then another, will come to sit beside me and make sure grandma is O.K. Our number is finally called and about fifteen go into the courtroom, used earlier today to try cases giving a sentence of sorrow or relief. Now it has become a chapel, changed to give joy.
The vows are short and pronounced final by a lady who is sincere in her blessings. Cameras, from all available angles, are snapped. We make way for the next party and walk outside. Under the old trees the glowing bride and groom are posed and two professional cameras and many cell phones click. I stand, propped up by a variety of family members. My absolute must-have picture is with my greatgrand-daughters and gr-gr spinning around in her white dress with the net skirt. My chariot is now a varooming power convertible. I become part of the power and the speed allowed for city streets. For a time I have the feel of the wind blowing my hair bringing the sensation of leaving the ground, imaging that I am air borne.
Our group grows larger at Bobby-Q’s for a meal and drink. I find my spot on the edge of the center. I can see the movement, mingling, occasionally coming toward me with the greeting: “What can I get you, grandma?” or “Would you like to move closer, grandma?”
I stumble on the way from the bathroom and a pain shoots through my body. My feet almost fail me and I reach out to hold on Continued on page 10
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.
Items We Need You to Donate
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
Hello, my name is Chris and I along with my wife Shawn and my son John Paul just moved from the Pacific NW (Seattle-Tacoma WA) to the Moon Valley/ Lookout Mountain neighborhood. I am offering private guitar instruction out of my home studio here. I teach all levels and all styles. I also teach bass and banjo. I have been teaching full-time since 1997 with a client load ranging from 30-55 students monthly. All ages from 7 and up are welcome. Many of my students are adults who are now retired and have always wanted to play guitar but didn’t have the time in the past.
Performance and Recording Experience: As a solo artist and also with my band I have released 12 full length records over the course of the last several decades. All these records are comprised of original songs and have received highly favorable reviews throughout the world. This music is guitar and harmony vocal based rock. I refer to the musical genre as “Power Pop Rock” - sounding similar to the likes of Cheap Trick, the Beatles, Badfinger and the Raspberries.
To listen to songs from my records, my policy, biography, videos and much more, go to my teaching website www.chrislundguitarinstruction. You can also go to my recording artist website www.chrislund.rocks.
Methodology: Though I specialize in Rock for my own recordings and performances, I am well-versed in many styles, teaching Blues, Jazz and Classical guitar and accepting students of all ability levels. Over time, I advise students to study several styles in order to become well-rounded players.
One of my long-time former students, Jared Dines, was featured on the cover of Guitar Player Magazine in 2021.
Contact me for top-quality private guitar lessons that are conveniently close. I look forward to working with you.
Phone: 253-761-2949 E-mail: chrislund31@yahoo.com
Excellence continues at Thunderbird High School as NJROTC cadets participated in the Annual Military Inspection. The cadets were inspected by CAPT Scott McMahon, the Senior Naval Science Instructor from Cortez High School. Each Platoon was inspected, including uniform, military bearing, memorized inspection knowledge, in-place drill, and regulation drill. The platoons were in direct competition in these events, and the result was totaled for the coveted title of Honor Platoon. The NJROTC cadets received a grade of Outstanding.
To learn more about Thunderbird High School news, visit @ThunderbirdHighSchoolAZ on Facebook.
Glendale Union High School District’s Achievement Above All events continue to highlight the excellence within the district and schools. Most recently, the GUHSD Governing Board honored Thunderbird High School’s 2021-2022 teacher, student, student group, support staff member, and volunteer of the year during a Governing Board meeting. The recipients included teacher Christina Irvine, senior student Houston Hull, Varsity Football, support staff Luisa Coss, and volunteer Kim George. In honor of their achievement, each recipient received an award or certificate for their dedication to the school and community.
To learn more about Thunderbird High School news, visit @ThunderbirdHighSchoolAZ on Facebook.
Phoenix (Moon Valley), AZ is a place that I am incredibly proud to call home. We are known for our warm weather, stunning natural beauty, and a range of cultural and recreational attractions, Phoenix is a destination that draws visitors from around the world. While there are plenty of great reasons to visit Phoenix throughout the year, March is a particularly amazing time to be here. Let me share with you why I think it’s so special.
Firstly, the weather in March is perfect for outdoor activities. As someone who loves to hike and explore the outdoors in my Jeep or on my mountain bike, I couldn’t ask for a better time to enjoy the natural beauty of the Sonoran Desert. With temperatures ranging from the mid-60s to mid-80s, it’s the perfect weather for hiking the trails of Shaw Butte Mountain, visiting the Desert Botanical Garden, or just lounging by the pool (with or without a cocktail).
For you die-hard baseball fans, March is an especially exciting time, as many Major League Baseball teams hold their Spring Training in Phoenix. I love the casual, intimate atmosphere of the Spring Training games, and you get to see some of your favorite players up close. Whether you’re a baseball fan or not, the games are a fun and unique way to experience the sport.
March is also a month of festivals and concerts in Phoenix, and it’s a time when the city really comes alive. One event you must attend is the Arizona Renaissance Festival, a celebration of all things medieval, with jousting, live entertainment, and plenty of delicious food. And there’s no shortage of other events, like the McDowell Mountain Music Festival, the Scottsdale Arts Festival, and the Arizona Aloha Festival, to name a few.
Finally, March is the time when the Sonoran Desert comes alive with a stunning display of wildflowers. As someone who loves nature, it’s a breathtaking sight to see the desert landscape in full bloom. The colors are truly awe-inspiring, and it’s the perfect time to take a scenic drive or hike and soak in the natural beauty of the region.
I am incredibly proud to call Phoenix (Moon Valley) my home, and March is the perfect time to show off all that this city has to offer. With its perfect weather, exciting events and attractions, and stunning natural beauty, there’s truly something for everyone here. So, whether you’re a local or a visitor, I invite you to come and experience the magic of Phoenix in March for yourself.
As you are enjoying this amazing month of March, please take a few moments to help others.
Whether you volunteer your time at a shelter or have the means to donate to a good cause, please do what you can to help those that might be down on their luck. Thank you for taking the time to read this and please support the Moon Valley Neighborhood Association at www.moonvalley.org. Questions or concerns can be sent to board@moonvalley.org as well.
March 14, 2023 March Madness - Let the Mania Begin! Watch your favorite Team on any of our 15 + Big Screen Televisions. The Moon Valley Grill will be Featuring Specialty Menu Items as well as Draft Beer and Drink Specials. Come on in and cheer on your favorite team!
March 16, 2023 The Moon Valley Grill turns 14!!
March 17, 2023 St. Paddy’s Day!
We will be serving Traditional Irish Fare…. Corned Beef and Cabbage, Reuben Sandwiches and Green Beers! Ask your server about our Drink Specials + St. Paddy Day T-Shirts for Sale $10 Each While Supplies Last
April 2, 2023 FREE Live Music Stop in and enjoy The Two Yoots. Playing Pop, Rock and Country 2:00 PM – 5:00 PM
Check out our Fish Taco’s or try the White Fish Filet Dinner, Salmon Dinner or our Shrimp Basket! Also serving Walleye Dinner every Friday through April 6, 2023.
Honestly, if I didn’t have a career, I would probably go a little coo-coo being around my children all the time.
I enjoy being able to financially provide for our household while also giving our children the birthdays, vacations, and opportunities they would have if my husband and I didn’t have a dual income.
But, being a working mom is tough. Beyond tough.
With a 5-month-old, I’m up about every 2-3 hours during the night, though my husband and I do switch off.
And lately, as most parents can attest, this season seems to be a long back-and-forth of children spreading germs and being sick. (I feel like every person in our household has been perpetually ill for the last 2 months with a nonstop cycle of spreading germs from daycare to kindergarten!)
Aside from the sleepless nights, there’s also the need to perform 100% at work and then be there for your kids 100% when they come home from school. (Don’t forget the homework where you’re actually relearning things in a different way than when you were their age.)
The house is usually messy, which makes sense because if you clean up, it transforms into messiness once again. There are always baby bottles to clean. Breakfast, lunches, and dinners to make and pack.
Did I mention that weekends aren’t really “off?” Sure, they’re off for work, but on for running errands, grocery shopping, doing/folding heaps of laundry, landscaping, and whatever else you can scrunch into a weekend – all this while keeping the kids from watching too much YouTube kids or Cocomelon without feeling like a “bad” parent.
Though, I am proud when Brynn comes home from school and sees me working – (very grateful to work from home!).
I love being that role model for her. I love singing in the car to Matilda while running errands. I love nurturing Henry in the middle of the night with tight snuggles. I love Brynn helping me with laundry while we watch Bake Squad. I love long walks to the park with our family. I love Costco trips on Sunday afternoons with cheap pizza and churros.
I don’t really know how to end this article other than… Taking a deep breath, knowing how to be grateful (and tired) from the balance of it all, and just giving myself (and other working parents) the grace to be human through it all.
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.
At the February 8, 2023 meeting of the Black Mountain Community Alliance, Tracy Kovach, Community Outreach and Relations at New Freedom spoke. His presentation was very hopeful. His own story of gang membership, multiple incarcerations for theft and drugs, and attempts to re-enter society indicated his experience in designing the New Freedom program.
Near Moon Valley was a hotel at Peoria and I-17. Instead of being a hotel it is inhabited by men and women in the New Freedom program. Soon there will be a separate facility nearby for women at the Deer Valley Senior Living facility. We might be concerned about the proximity to our neighborhoods. However, Mr. Kovach explained the program he heads. It has been so successful that Sheriff Penzone would like to begin implementing the program for Maricopa County prisoners out on probation. New Freedom is a good neighbor facility.
Residents are expected to be in class all day for 90 days. They cannot leave the facility for 30 days after which 12 hour leaves may be granted, depending on behavior. The 360 residents are taught skills such as writing resumes, welding, landscaping, electrical skills, tile installation, culinary classes and financial literacy.
How are these turn-arounds accomplished?
There are 260 staff including three chefs, 32 case managers, 12 licensed counselors, and probation court is housed in the hotel. Support classes include how to deal with triggering events and feelings. Out of 850 graduates only 22 ended up
back in prison or in more advanced mental health programs. Behavior modification tools are used and a philosophy of “helping each other” are key to success. Graduates do not take jobs working with children and there are no sex offenders on parole in the program. This program is part of the City’s efforts to keep people from being homeless and/or on drugs or other behaviors once they leave prison. Residents are contacted regularly as “check ins” are the heart of the program and there are penalties for challenging behavior.
At least 16 employers hire regularly from this pool of trained workers who want to change their lives. Salaries begin at $18-25 per hour. Trainees are assisted in obtaining birth certificates and driver’s licenses. Criminal records can be expunged in some cases. Trainees can qualify to purchase vehicles and homes when they are successful in their new jobs and lives. Case managers do check up on them after they graduate from the program. “Abundance, respect, and dignity” are front and center mottos.
Members of the Alliance could easily see why the program is so successful. It is based on personal experience and principles we all can admire. It is clear that great love and forgiveness are present, too. It is in the best interest of everyone in the community to want opportunities for people who have served their sentences and want to be good citizens. Most of all, helping people contribute to society and have healthy family lives benefits all of us. Tours of the facility are available by calling Tracy Kovach at 520-310-4211.
to whoever is available. Quick help comes from several sides, “We’ve got you, grandma,” Back at the table, “Grandma, what can I get you to drink?” I give my answer, “Hot with something tasty and alcohol.” A drink appears that has been made especially for me – using coffee freshly brewed, adding Kahlua and Baileys. Perfect! I drink slowly and the mellowness lets my body relax.
I cannot hear all of the words around me and it is unimportant. I absorb the scene and bring it into my heart. I can not believe! “I am the Matriarch. These are mine!”
My son is not here. And yet he is. Around my neck is a green pendant that contains his memory. I hold it in my hand and silently I ask “Fred, can you hear them? Can you feel how proud I am? How thankful I am to be with our complete future generations – both those that came directly from my love with Duane and those that have joined our family. I will always have this moment.”
As I watch my family, I hear praise for the event. “A wonderful wedding” and “So good to
get everyone together.” And they will remember that grandma weathered the years to be with them.
As I sit and watch, more family appear, ones that I have not seem for some years. Trite as it may sound, my cup floweth over. I gabble and they gabble and I don’t use unhappy accusing words that don’t belong here. This is a Now hour and nothing can enter but sunshine love. It is given to me as a reward for the ninety-five years that I gave for trying.
Even though I cannot find words to write that give the taste or smell or feel of this moment, I can wish this happiness will spread and become part of my legacy.
After the cutting of the wedding cake, my powerful chariot brings me home. The apartment is cluttered. It had been a matter of try and discard to find an outfit that didn’t show the bulges, that would fit into the occasion, and now the clutter reminds me that tomorrow will be clean-up day.
That day is here. The warmth that came when someone called the magic word of ‘grandma’ will always stay with me.
I am Dr. Paul Stanton, the proud Superintendent of the Washington Elementary School District. Spring break is nearly here, and the end of the 20222023 school year is quickly approaching. However, there is still much to look forward to as new growth and achievements await. As always, I would like to thank you for your continued support as we enter into these exciting final months of the school year!
The WESD is proud to recognize Mountain Sky Junior High School Instructional Coach Becky Wright for maintaining her National Board Certification! In recognition of her incredible achievement, I was honored to join a surprise celebration for Ms. Wright on balloon day to congratulate and thank her for all she does for our students, staff and community. The WESD Family is so proud of Ms. Wright for her dedication to enhancing her profession and pursuing excellence.
Now Enrolling for the 2023-2024 School Year
WESD is enrolling kindergartners for the 2023-2024 school year! Our free, full-day kindergarten program offers a developmentally appropriate, researchbased curriculum that addresses reading, writing, math, science, social studies, physical education and art, with time for fun and interaction! Our dedicated teachers and staff help create learning environments where students are valued and supported. With multiple A+ Schools of Excellence, a National Blue Ribbon and a National Title I Distinguished School, the WESD is also proud to be a Top 20 school district in the country in student growth.
Enrollment is also open for first through eighth grade students! Our District
It's the first program in her adult life that I’ve seen that actually practices what I believe is the mission which is to have the right sta in the right place to work with the special needs community and really help them develop and find their potential.
Vicki, Mother
I know from our experience how amaz ing it is for me to be able to send Jacob to a place where the sta is really well trained and understand how to interact with Jacob in a way that’s respectful and allows him to fully participate, and grow, and learn things, but not at a rate or in a way that’s frustrating.
James, Father
Francis also asked and answered questions about fashion, style, and is interested in becoming a model through the FABRIC resources. She was thrilled to see the photography studio, make up and hair spaces, and the recording studio at FABRIC.
accepts open enrollment for those who live outside the district wishing to attend our schools. To learn more and register online, please visit https://www. wesdschools.org/registration. We would love to have you join our WESD Family. Follow WESD on
I appreciate the support we receive from our students, staff and community on social media! The WESD has reached over 12,000 followers on Facebook, and our online community continues to grow. I encourage you to share our content and great news with your family and friends to help us reach 15,000 followers on Facebook. You can also follow our Instagram and Twitter pages (WESDschools) to keep up with our latest updates. We are excited to continue growing with you!
As always, it is an honor sharing our District highlights with you and the rest of the community. Your continued partnership is immeasurable to the success of the WESD.
Gratefully,
Dr. Paul Stanton, WESD Superintendent“I love dressing the mannequins and doing the display cases. I love seeing my work on display. My favorite thing is when a customer buys one of my mannequin displays. It makes me feel proud.”
Tracy,Member
They got great people here, and you’ll have a lot of fun, & you’ll enjoy yourself.
Kathy, CamperOverall, my time at camp has made me realize a new passion I have for individuals who are not always understood and accepted as they should be…I will always believe that no disability should define any individual and their capabilities.
It has been a nine-year journey since he walked into my class at Civitan, just for the fun of it, to now, becoming sta , and teaching members how to develop their skills just like he did. He has found his calling.
Merilee Adams, Art Director withCivitan Foundation
www.CivitanFoundationAZ.org
You move every day. Whether it’s for your job, favorite hobbies, or for exercise, you move through multiple planes of motion with or without resistance. Functional Strength Training (FST) will make you stronger, more efficient, and less injury prone for all types of movement, simple ones like bending down, twisting and reaching, or trying to smoothly get out of a low seated chair. Or if you’re more active, FST will make you better at playing pickleball, tennis, golf, it will also make you a better hiker, runner, or biker. FST makes you better at all movements because it focuses on the overall movement, not just the strengthening of individual muscles.
FST can do more than just improve your ability to perform better at sports and other active hobbies, it will improve your overall quality of life. FST will improve your coordination and balance. FST focuses on multi-planar compound movements, ensuring you develop the ability to remain balanced and stable while working against external forces. FST will reduce the risk of injury. FST programs are loaded with exercises designed to promote joint stability which directly leads to reduced risk of injury.
FST leads to improved body alignment. Back pain or discomfort is very common these days and as we spend more time on our phones or working from home, we run the risk of becoming more and more sedentary. FST works to strengthen the core and increase joint mobility to enable better support and stability throughout the spinal cord and back muscles. Think about it... if your training incorporates the use of your entire body, then every part of your body has the capacity to offer greater support to other parts of your body. Developing strength and stability in your hips, core and back promotes better posture, which reduces back pain.
So the next time you head to the gym to do some resistance training, instead of doing lifts that only target a single muscle group or that don’t have much real world value, spend your gym session performing time efficient exercises that engage multiple muscle groups in one movement and apply to real world activities. If you have any questions about FST or anything else related to health and fitness, please stop by Anytime Fitness of Moon Valley and I’ll be happy to answer your questions.
Tattler reader J.A. recently asked: “Are we heading into a housing crash like we had in 2008?”
While no one has a crystal ball to see the future, it’s safe to say that today’s market is very different and understanding the differences will help answer that question.
During the time leading up to the housing crisis, it was very easy to get a home loan. Lenders and banks were creating an inflated demand by lowering standards for qualifying for a loan and for refinancing an existing loan. Adjustable Rate Mortgages (ARMs) became popular and many homeowners ended up defaulting on their loans. To complicate things, home values dropped significantly.
Regulations came into play in 2010 (Dodd Frank Act) protecting the consumer from taking on mortgages beyond their means. Lenders modified their programs to help keep people in their homes, while explaining all the risks involved.
Today homeowners have more equity, are enjoying an increase in their property value, and foreclosures have declined. This is a good thing.
The real estate market is shifting towards a more balanced market following the supply and demand principles and this is very different than what we experienced in 2008.
What’s your real estate question? Write to me at: juliepek@cox.net.
I love to celebrate the achievements of women and sharing the information with my students is the best way I know how. Educating the next generation improves the odds that we will be a more intelligent species. I keep adding to my list as I learn more each year. If we’re all being honest, have you learned about the accomplishments of blacks and women when you were in school? That’s why Black History Month in February and Women’s History Month in March were created. We need to be fair and we need to offer hope to our next generation that they can do better than we did.
One of the things I impress upon my students when they learn of the injustices is to remind them that there were some wonderful men who made women’s rights possible in the first place. After all, men were the only ones who could vote to pass the 19th Amendment in 1920: “The right of citizens of the United States to vote shall not be denied or abridged by the United States or any state on the account of sex.” I do grow weary of the snickers about that little 3 letter word. I show them my license and how that little word means F for female or M for male. It’s shocking how little these kids know! SMH (shaking my head)…I do so wish parents would do a better job!
To my students the 1970s was a lifetime ago and indeed it does seem so, but I was their age in the 70’s and I couldn’t wear pants to school. Thanks to Title IX of the Education Amendment in 1972 girls could play sports and therefore wear pants.
I have many examples of great women to share with my students; Gladys West-one of the inventors of GPS, Katherine Johnson-one of the mathematicians who worked at NASA and helped calculate the launching of Apollo 11 by hand! Her character was the star in the movie Hidden Figures with Kevin Costner. Mae Jemison-was an American engineer, physician and NASA astronaut, a mission specialist on the Space Shuttle Endeavor, Patricia Bath-the first Black woman to complete a residency in ophthalmology, invented laser eye surgery. I have a shirt with the images of four females that reads:
Rosa sat so Ruby could walk so Kamala could run so Ketanji could rule
However, my students are especially drawn to a beautiful woman who made wifi possible.
Hedy Lamarr was a 26 year old Jewish actress in Hollywood when Nazi U-boats hunted down and sank a cruise ship trying to evacuate 90 British school children to Canada. . .77 drowned in the Atlantic. Hedi was furious and fought back by using her engineering skills to develop a sonar sub locator used to benefit the US in our fight against Nazi Germany. She co-patented the technology for missile guidance in WWII. This became the foundation of our Wi-Fi. She was inducted into the National Inventors Hall of Fame in 2014 posthumously. She was labeled the most beautiful woman in the world at one point. Disney modeled Snow White after her likeness.
So many people in so many ways have made our lives better on this planet, but acknowledging who they are and what they did does far more than just make them or their families feel better, it lights a fire under our future generation when they realize that people who look like them made such wonderful strides. This means that perhaps they can too.
All we have is hope, hope that our species continues in a positive way, and hope that our children and grandchildren do not become despondent that all is hopeless.
Indeed, nothing is hopeless, unless we give up.
Tombstone, Arizona, is a most interesting town. In the far south of the state, the town is known for its famous shoot-out at the OK Corral that included famed lawman Wyatt Earp and his brothers. But on our trip, we discovered there is much more to Tombstone and its environs than just its wild west history.
My husband, Bill, and I drove to Tombstone so I could attend a meeting of the Southern Trails Chapter of the Oregon-California Trails Association (https://octa-trails.org/). The Southern Trails Chapter encompasses Arizona, New Mexico, Texas, Oklahoma, and Southern California. It is dedicated to the study and preservation of early trade and migration routes to California through the southwestern states.
The afternoon we arrived, we drove to Whitewater Draw, about 20 miles from Tombstone, to see the Sandhill cranes. We heard that there were 23,000 cranes at the Draw that day. They are magnificent birds and most interesting to watch as they fly in to settle for the night.
My favorite period of U.S. history is the mid-1800s; I am fascinated by stories of the pioneers who traveled west. In our meetings we had talks about the history of Guadalupe Canyon, the Butterfield Overland Mail and Dragoon Springs, Antoine Leroux as the chief guide to Arizona and New Mexico, Quirky Episodes of Death and Danger in the Santa Cruz Valley, the Devil’s Highway, and the story of Maria Morris and Fort Webster. While I was in my meetings Bill found the Courthouse Museum to be exceptional and went twice to view all the exhibits. He also visited Boot Hill, and wandered in and out of the shops and explored the town.
One day we had a road trip of about 200 miles with 50 plus miles on a dirt road (my back is still sore from the rough ride) and surprisingly saw quite a bit of snow on the ground. Our group visited the site of the grave of the only known death of the Mormon Battalion between Santa Fe and San Diego. We also drove to Slaughter’s San Bernadino Ranch which was part of a very large land grant that was in both the U.S. and Mexico. The third leg of the trip was into New Mexico to visit the Mormon Battalion Monument in Cottonwood Canyon with a view of Guadalupe Pass, an important route through that area. After viewing the rough terrain, we came to appreciate the toughness of the pioneers and soldiers who travelled in the rugged and dry hills. We paralleled the wall bordering Mexico for quite a few miles. A very interesting and educational meeting.
My husband and I had visited Tombstone years before but were unaware of all the other types of history and nature that are nearby. A most fruitful and productive visit.
I have been mulling this subject around for several months, but as a licensed mortgage loan officer, there some compliance issues with which I have to deal. Thus, this article is neither an offer nor a solicitation. We are just talkin’ here.
I think it is universally accepted that a home is the biggest wealth builder for the average young family just starting out. Absent a trust fund or inheritance, most young families are way better off buying their starter home than paying rent. Twenty percent down is not a prerequisite. There are conventional mortgages readily available with as little as 3% down. Prices are down a bit, and in today’s market the seller may be persuaded to pay some or all of the closing costs. Appreciation takes care of the rest.
One young couple that I helped with a mortgage, was able to refinance just a couple of years later without the necessity of a new appraisal, eliminate mortgage insurance, and lower their payment substantially. All this transpired because of appreciation.
I’m not suggesting that now is the time to refinance; it is not. But it may be the time to buy. Just as they say in investing, it is not a good strategy to try to “time the market”. In other words, waiting until the time is right can be a pretty expensive proposition. The better strategy may be, if possible, buy now and take advantage of the opportunity to refinance when it makes sense.
One drawback to refinancing is that usually the mortgage is reset back to thirty years, but who cares if the plan is to move up to a nicer home in a few years? Then the aim of refinancing becomes increasing cash flow and lowering mortgage expense.
Below are some calculations. They are not exact, and should not be relied upon for decision making – but they are close. When making decisions about refinancing, get with a mortgage professional and get exact numbers!
Assume a reasonable FICO score (720 or above), a reasonable Debt to Income ratio (30% or so), a $285,000 mortgage ($300,000 purchase price with $15,000 down), and a 7.625% interest rate (again don’t rely on these figures). A rough calculation shows a Principal, Interest, & Mortgage Insurance payment of $2137 per month.
Assume that two years later, a rate of 6.5% is available, the mortgage amount is paid down by a couple of thousand dollars, and the home value is such that Mortgage Insurance is not necessary (assuming 20%+ equity). A refinance would elicit a payment of about $1780. Does a refinance make sense? Heck yes! Assuming a cost to refinance of $3,000 divided by the savings per month $357, it would pay for itself in less than a year.
The kind of appreciation to make this viable in not unreasonable to assume. With the dip in market values that has transpired in the last few months, the prospects are good that in a few years this scenario works. Buy now and refinance when it makes sense.
The rates we are seeing today are more the norm than rates in the 3% range, which were a real anomaly. In my opinion, we may never see those rates again in our lifetime. Now is a good time to get moving. Get with a trusted Realtor, and with a trusted mortgage loan officer, and determine the possibilities. You will be glad you did!
When the bike isn’t smooth but a little wiggly. You feel a little like those ladies in Hawaii with the grass skirts. Loose or missing spokes could be the answer. Hub bearings that are in need of grease or adjustment might be the answer. Forks that are loose and in need of care will make a shake or clunking also. Fix it soon. Tires that are low on air won’t make you shake but will make you pedal hard and slow you down. Valve stems that are not perpendicular with the rim is a sign your tires are low. Let the air out and straighten them re-inflate to proper pressure.
If you find your self on the ground detached from the bike it’s time to do maintence.
Keep riding.
It looks nice. We just have a few changes. On
Friday we are open from 8-12
By Jena Ritchie, Moon Valley ChiropracticPlease send one more proof, thanks
Perhaps you’ve heard it said before… “Luck favors the prepared!” The famous French microbiologist, chemist, pioneer of Germ theory of disease, and inventor of the Pasteurization process, Louis Pasteur, made the astute observation expressing his personal reflection and intimate understanding that an individual success rate can measurably improve through consistency and commitment toward a goal. Possibly the month of March is an ideal time for increasing your luck by improving your lifestyle.
The generally accepted figure among most Lifestyle medical experts is that 60%-80% of all chronic disease conditions can be alleviated, and sometimes even reversed, by commitment to healthy lifestyle practices. Today we celebrate our luck by being able to share one example local readers may even recognize or remember from the February 2021 issue of Moon Valley Tattler. He also is the source of this super testimonial … “My name is Ed Delorenzo, and I would like to shout out to Dr. Jamey Reichow of Moon Valley Chiropractic. At 75 years of age, I am still competing as a professional bodybuilder as I was formerly Mr. Colorado in 1971 and Natural Olympia 70+ in 2020. I know what pain feels like and have lived with it for many years. About three months ago, my shoulders hurt and prevented me from sleeping. I was in tears.
Barb and Bill Nicholls, owners of Anytime Fitness Moon Valley, recommended I see Dr. Reichow.
By my third chiropractic treatment, I was 90% pain-free. I am now living 100% pain-free. Thank you, Dr. Reichow.”
Consistent chiropractic care supports a healthy lifestyle. Regular adjustments correct biomechanics, reduce pain, increase mobility, strengthen immunity, improve functioning, and restore balance. Here at Moon Valley Chiropractic, we feel so lucky to be able to serve this wonderful community and we welcome the opportunity to become your peak performance and health partner. Louis Pasteur further expanded on his sentiment by saying … “Whether our efforts are, or not, favored by life, let us be able to say, when we come near to the great goal, I have done what I could.”
May a healthy lifestyle be the foundation of your best life and may Luck be on your side. Call our office at 602-298-0292 to schedule your appointment.
While your mental health may seem like it takes the biggest hit when faced with stress, your physical health can also suffer, particularly if you’re unable to deal with stress over the long term. Headaches, fatigue, sleep issues, GI problems, panic attacks and more can all be caused by stress.
For young adults, these health consequences can be magnified – both because of their relative lack of experience handling stress and the increasingly high-stress pressures they face these days (economy, politics, social media, etc.).
The good news: Research suggests young adults can manage their stress with a technique called “proactive coping.” One recent study, involving a group of younger adults (ages 18-36) and a group of older adults (ages 60-90) found that “proactive coping” – anticipating potential stressors and thinking about how to reduce their impact – benefited younger adults, but not older adults. A second study, involving adults ages 19-86, found that younger adults (ages 19-36) who engaged in proactive coping frequently were less likely to report physical symptoms on stressful days compared to younger adults who engaged in proactive coping less frequently. As with the first study, proactive coping did not appear to impact older adults. Both studies appear in the research journal Forecasting
Ever heard the phrase, “Knowing is half the battle”? In a sense, that’s the first step in proactive coping: understanding what stressors lie ahead. Step two, of course, is thinking about how to prevent or reduce the impact of those stressors on your life. If you have high levels of daily stress and/or have difficulty managing it, ask your doctor for advice – before you experience health issues because of it.
ProMusica Arizona’s 20th Anniversary Celebration will conclude with concerts April 1 and 2, 2023, presenting the world premiere of commissioned work Saguaro Song. The composition is a six-movement work for chorale and orchestra by Arizona composer Craig Bohmler, well-known for Arizona Opera’s Riders of the Purple Sage, and award-winning Canadian author Marion Adler. The composers use the iconic saguaro cactus as a metaphor for the seasons of life. For example, the fourth movement, “The Saguaro’s Lullaby,” is a tender piece in which the saguaro comes to life as a loving parent. This metaphor is based on the true story of an 11-year-old boy who spent the night sitting in a chair perched in the arms of a real saguaro.
In addition, the concert will open with A World without Boundaries, which includes text by astronauts Neil Armstrong, Buzz Aldrin and Christa McAuliffe and naturalist John Muir, that was commissioned for ProMusica Arizona’s 15th anniversary. It will be followed by music from Apollo 13 for orchestra as we look toward the future. The orchestra will also play George Gershwin’s delightful An American in Paris Suite followed by a choral medley from Man of La Mancha culminating with “The Impossible Dream,” and the ethereal “Sunrise (Gloria),” second movement of Ola Gjiello’s Sunrise Mass. Completing the concert is Joseph Martin’s poignant The Awakening offering the profound words “Let music never die in me, forever let my spirit sing! Wherever emptiness is found, let there be joy and glorious sound…Let music live.”
Saturday, April 1, 2023, 7:00 pm – All Saints Lutheran Church, 15649 N. 7th St., North Phoenix, AZ
Sunday, April 2, 2023, 3:30 pm – American Lutheran Church, 17200 N. Del Webb Blvd., Sun City, AZ
Ticket Prices: Adults - $27.50; Seniors (65+)/Military - $25; Students (1622) - $12; and children 15 and younger are free with a paid adult. Free student rush tickets are available 15 minutes before each performance based on seating availability. Groups of 10 or more for a concert will receive a 10% discount. For more information or to purchase tickets, visit pmaz.org or call 623-326-5172.
ProMusica Arizona is inviting photographers and artists to submit high resolution photos of Saguaros or photos of artworks featuring Saguaros to be included in a slideshow that will accompany the performances of Saguaro Song. To serve as inspiration, photographers and artists can read the texts of Saguaro Song by going to ProMusica Arizona’s homepage at pmaz.org and scrolling down to the information on the 20th Anniversary Celebration featuring Saguaro Song where there is a link to the texts. ProMusica Arizona is looking for photos and artworks that depict the various movements of the piece, and proper credit will be given to photographers and artists whose works are chosen to be in the slideshow. Please send Saguaro photos or photos of Saguaro artworks to info@pmaz.org by March 10, 2023. For questions, call Yvonne Dolby at 623-326-5172. To learn more about ProMusica Arizona’s 20th Anniversary Celebration, go to pmaz.org.
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
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
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
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Weight Loss for healing and increased energy. 15 year experienced practitioner of Eastern Medicine, Acupuncture, and Herbs. Etherealbodyworks.com. Email etherealbodywork@gmail.com
LINKED: Hope and support for families affected by addiction. Learn from experts and recovering addicts. Friday, February 3, 2023, 6:30-8:00pm. 602-621-5218
Drywall Repair & Popcorn Ceiling Removal
Cleaning Services
Britt Harms | Owner & Operator Moon Valley Resident
602-741-5166
Britt Harms | Owner & Operator Moon Valley Resident Over 20 Years Licensed, Bonded & Insured 602-741-5166
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. www.PianoKeysToMusic.com
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Established MV Moon Valley Studio. 602.971.0089
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Drywall repair and texturing Popcorn ceiling removal Water damage Electrical and plumbing patching. In business since 1980 Furnished Homes our Specialty Licensed and Bonded
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Nurse’s Assistant available for in home care. Call Rebekah at 602-907-8358.
On a lovely spring morning against the backdrop of Camelback Mountain, the National Charity League (NCL) Moon Valley Chapter came together to celebrate an annual tradition called “Senior Recognition”. It was really nice to celebrate our Seniors and their volunteer milestones over the last 6 years as well as connect with one another as we get ready to graduate and launch another group of NCL members. The tradition of this event includes NCL high school juniors learning how to plan, organize and conduct a large-scale event with the help of this year’s Grade Level Advisors, Shannon Dowdall, Laura Hastings, and Diana Henry.
And it was a beautiful day and celebration for everyone! From a eye catching balloon arch, colorful decorations, and delicious appetizers and desserts the event was gorgeous and inviting. The group then transitioned to a seating area and the ceremony began with a welcome from Moon Valley Chapter President, Heidi Ryan. We then transitioned to acknowledgement of the focus philanthropy“Mountain Sky Dress Quest”. Donating dresses and shoes to this organization has also been a tradition for NCL members who provide gently used items to young girls who can benefit for their upcoming graduation and end of year ceremonies. Principal Perry Mason shared a heartfelt message with the girls about the mission of Dress Quest, his interactions with many NCL members during his tenure as principal, and his appreciation for the organization’s partnership with the National Charity League. The program then moved on to honoring our NCL Seniors, who were escorted by their mothers, down a stairwell, and then presented individually to the chapter. The ceremony also included a personalized slide show, award ceremony, and a beautiful sendoff speech by Senior mom, Ginger McGarity, and a closing speech by Senior Class President, Laine Solheim. All in all, we are very thankful for each other, our ability to serve our community, to celebrate accomplishments and gather together at the beautiful facility at Mountain Shadows Resort. Congratulations to all for hosting such a wonderful event and most importantly good luck to all our Class of 2022 Seniors as they begin the next exciting chapter of their lives!
National Charity League (NCL) is a philanthropic organization with more than 200 groups around the world forming and/or strengthening motherdaughter relationships through community service. The members are 7th-12th grade girls along with their mothers. For more information about NCL visit our website at https://moonvalley.nationalcharityleague.org
Did you know?
Dr. Grover has been serving the Moon Valley area with his expertise for many years, and now has a base office to best serve his patients.
Tax identity theft is a widespread issue costing taxpayers more than $5 billion yearly according to the National Consumer League. As you begin to prepare your federal and state taxes for filing, remember that cybercriminals often use stolen identities to fraudulently submit tax returns and claim a victim’s refund before the IRS processes the real filing. Here are some tips to stay ahead of scam tactics:
Phishing: Don’t give your personal information to anyone who calls, emails, texts or reaches out on social media and says they’re with the IRS. Scammers may already have some personal information and are looking to fill the gaps.
Payment: Be especially cautious of any demand for immediate payment without the opportunity to question or appeal the amount owed. Prepaid debit cards, gift cards or wire transfers are not legitimate tax payment methods. If you have questions, contact the IRS directly at 1-800-829-1040.
Filing: File your returns as soon as you can to help foil identity thieves. The IRS advises submitting your tax returns electronically; however, paper forms are still accepted. Institute multi-factor authentication on any tax preparation software to further safeguard your login credentials. Shred associated paperwork you no longer need.
Learn more about warning signs by visiting the Federal Trade Commission website or the IRS website for current alerts. If you have any questions or concerns about your online security, contact M&T Solutions today at (602) 888-3305 or email us at Mike.Ortiz@nerdsonthemove.com
Mike Ortiz is an Arizona State University alumni. He has been in the IT industry for 20 years working for various IT companies. He has experience in IT Security, Networking, and Desktop/Server builds & repairs just to name a few. His company, M&T Solutions was formed in May 2021 to meet a need for knowledgable, dependable, and trustworthy IT consultants in the valley.
I know everyone doesn’t read the Block Watcher, but we need to get the word out! As a daily walker sometimes twice a day I see walkers, cyclist and runners. Seems to me its common sense to wear reflective and/or bright apparel. Most of the Moon Valley streets are black top. Most of the streets have NO street lights. Yet people walk two and three abreast on the street sometimes with traffic and sometimes against traffic. Phoenix Code says that if there is a sidewalk the pedestrians should walk on the sidewalk and not on the street. Frankly with the way the drivers speed through our community I just don’t get why anyone would walk on the street when there is a sidewalk Yeah I know three friends walking abreast can not fit on the sidewalk but where there is a will there is a way.
I have reflective vests that I have given out. One time I stopped a jogger who was all in black at dusk and offered a free one for her and she declined!!!! Unbelievable.
Start thinking about doing a GAIN Day event on your block this October. Plan a driveway neighbors get together on the third Saturday of October. That is October 21st, 2023. Have a pot luck or like I did last year, a ice cream social. So easy to do. Make a flyer, invite all your block, sit on your driveway with a cooler full of your favorite ice cream bars and popsicals.
5pm to 7:30 pm works really well . People come and go and gives everyone a chance to meet their neighbors.
BlancheLukes@cox.net