A Guide to Mortgage Interest Rates
Buying a home is the most expensive purchase many people make in their lifetime. Some people do it only once, while others are in the market with greater frequency. In any instance when the home buying process involves securing a mortgage, buyers can benefit from knowing a thing or two about mortgage interest rates.
Mortgage interest rate can help buyers determine if a given home is affordable. Rocket Mortgage says mortgage interest rates can have a major impact on long-term costs, so it is imperative to seek the lowest rates possible. However, an assortment of economic variables affect mortgage interest rates, and conditions unique to each buyer also can affect the rate they’re eligible to obtain.
Understanding home loan rates can help potential buyers better navigate the complex process of buying a home.
What is mortgage interest?
When a person buys a home with a mortgage, he or she doesn’t just pay back the amount borrowed, which is called the principal. The loan also requires paying interest, which is es-
sentially the cost of borrowing money. Mortgage interest is calculated as a percentage of the remaining principal, says Investopedia.
How are mortgage rates set?
Mortgage rates are not determined by a single variable. They are derived from a combination of factors that include the Federal Reserve’s monetary policy, economic conditions and a borrower’s personal financial situation. The Federal Reserve influences the overall rates by adjusting the federal funds rate, or the rate at which banks lend to each other overnight. This not only impacts mortgage rates, but also additional interest rates, according to Fannie Mae. Lenders will ultimately decide on the specific rates to offer borrowers.
How does a borrower’s financial situation affect mortgage rates?
Lenders will conduct a thorough assessment of a potential borrower’s creditworthiness. They will look at, among other things, a borrower’s credit score and debt-to-income ratio. A higher credit score typically results in a lower interest rate. A lower DTI in-
dicates a lower risk to the lender, also potentially resulting in a lower interest rate. Squaring away finances well in advance of applying for a mortgage can help home buyers secure lower interest rates that could save them considerable sums of money over the life of their mortgages.
How do loan types affect mortgage interest?
A home buyer will pay interest no matter the mortgage type, but there are options to select a fixed or adjustable interest rate, or even interest-
What Buyers Can Do to Get the Best Mortgage Rate
Mortgage interest rates have been headlining financial news segments for several years running. With high interest rates, it’s understandable if prospective home buyers feel helpless. However, there’s much buyers can do to help themselves as they seek to secure the lowest mortgage interest rate possible. Here are some tips:
• Read your credit report and improve your score, if necessary. Lenders consider a host of variables to determine an applicant’s credit worthiness, and credit history and credit scores bear significant influence. The higher an applicant’s credit score, the more favorable mortgage rate he or she is likely to get.
• Take control of your debt-to-income ratio. Debt-to-income (DTI) ratio refers to what you owe in relation to
how much you earn. The lower your DTI, the better you look to lenders.
• Maintain a strong employment record. Steady employment and consistent earnings make mortgage applicants more attractive in the eyes of lenders
• Shop around for rates. Rates may not fluctuate much between lenders, but it’s still worth shopping around for mortgage rates. (MC)
only mortgages.
According to Bankrate, with a fixed-rate mortgage, the interest rate remains the same throughout the life of the loan, meaning the payment for principal and interest will remain consistent.
Additional charges that are wrapped into mortgage payments could change, however. Property taxes and homeowners’ insurance charges could increase, for example.
Fixed rates tend to be lower when the term of the mortgage is shorter. So borrowers can opt for a 20-year mortgage over a 30-year to save some money on interest.
An adjustable-rate mortgage (ARM) will see the interest rate change during the repayment period. It may start with a low introductory rate for the first several years of the loan, but then can go up or down depending on market indexes and benchmarks. Many lenders put a cap on how high the interest rate can go, however.
Various factors determine mortgage interest rates for home buyers, including market conditions, credit standing, federal rates, the type of loan, and term length. (MC)
©ADOBE STOCK
By Michele E. Buttelman Signal Staff Writer
Fourth of July 2025 will be a great day to celebrate our nation’s 249th birthday. It’s time to celebrate the founding of our country with a parade, a backyard BBQ, music, fireworks and flag waving!
The following is the day’s events.
6:30-9:30 a.m. Pancake Breakfast
24200 Main St., Newhall 91321
Santa Clarita Valley Rotary Club’s annual fundraising pancake breakfast offers guests tasty pancakes, sausage, juice and cowboy coffee.
7:15 a.m. The 41st Annual Independence Day Classic
Newhall Memorial Park, 24933 Newhall Ave., Info id5k.scrunners.org/
Join the Santa Clarita Valley’s oldest and largest running event, the Independence Day Classic. Races include the 5K, Masters Walk and Kid K. Online registration is available through Monday, July 2. Proceeds benefit the seven Santa Clarita Valley high school cross-country programs and other local non-profits. The Santa Clarita Food Pantry will be collecting non-perishable food donations at both the packet pickup on July 3rd and on race day July 4th! Donations gladly welcome!
Kids K starts at 7:15 a.m.
5K Race starts at 7:30 a.m.
Masters Walk (1 mile) starts at 7:35 a.m.
9
a.m.
Fourth of July Parade
Friday, July 4, 9 a.m., Old Town Newhall Info SCVParade.com
The Santa Clarita Valley is lucky to have an established, popular Fourth of July Parade held annually in downtown Newhall.
This year’s event, themed “Home is Where the
Hart is…Welcome Hart Park!,” honors not only our nation’s independence but also the officially welcoming of William S. Hart Park as the city’s 40th park.
The parade starts at the Newhall roundabout, traveling north on Main Street, west on Lyons Avenue onto Orchard Village Road and concluding on Dalbey Drive at Avenida Ignacio.
Fireworks
Because of the danger of high fire potential, it is best to leave the fireworks on the shelf and let the professionals handle the pyrotechnics. All personal fireworks, including the “safe and sane” variety, are illegal in the Santa Clarita Valley.
9
p.m.
Stevenson Ranch Fourth of July Celebration
Richard Rioux Park, 26233 Faulkner Dr., 91381
This Fourth of July celebration and fireworks show will offer a special community celebration for the residents of Stevenson Ranch. The park will open at 6 p.m. and the fireworks display will begin around 9 p.m. The event features entertainment and food trucks. Bring your own chairs, blankets and
picnic baskets.
9:15 p.m. The Spirit of America Fireworks Show
Valencia Town Center
Join the City of Santa Clarita for the annual Fourth of July Fireworks Show! Close out Independence Day with a brilliant firework show over at the Valencia Town Center.
9:15 p.m. Six Flags Magic Mountain Fireworks Show
Info www.sixflags.com/magicmountain/events/ july-celebration
The park will have fireworks displays from July 4 through the 6th. On the 4th, you may be able to see both the city and amusement park’s displays at the same time.
If you are inside the park, the best view is from the Full Throttle Plaza, DC Universe and Main Gate Plaza. The park is also offering a special VIP fireworks viewing that includes reserved viewing, two bites from Max’d Out Mac & Screaming Spuds and unlimited drinks at the Coca-Cola® refill station.
Start the Independence Day celebrations at the Rotary Club’s pancake breakfast. Or, you can join in the Independence Day Classic where proceeds benefit the seven local high school’s cross country programs and other nonprofits. PHOTOS BY Katherine Quezada / The Signal
How Women Experience Heart Disease Differently
Most people think of heart attacks as debilitating pain in the chest. However, that’s not always the case, especially for women, and missing the signs can be a matter of life and death.
Although heart disease is the leading cause of death among American women, according to the American Heart Association, symptoms are often overlooked or explained away as less worrisome conditions.
“Men and women experience many aspects of life differently, and heart disease is no exception,” said LeAnne Bloedon, MS, RD, vice president of clinical development, Esperion Therapeutics.
Symptoms of
WOne heart disease risk factor, for example, is high LDL cholesterol. Often referred to as a “silent killer,” it doesn’t always present noticeable symptoms. In fact, data suggests women with high LDL cholesterol are not diagnosed or treated as early or aggressively as men, which can put women at an increased risk for cardiovascular events.
Understanding how men’s and women’s risk and symptoms differ may help identify and treat a serious heart health problem before it causes lasting damage.
Anatomy Differences
Some differences between men and women are present in the body’s internal systems, including the cardiovas-
“Symptoms of a heart attack aren’t as obvious as many women think, and failing to recognize the danger and get help can have catastrophic results.”
Heart Attacks in Women
omen’s experiences with heart disease may be quite different from men.
For example, according to the Heart Disease Foundation, women are likely to be older when they experience a heart attack. They may also attribute symptoms to other conditions, such as diabetes or arthritis.
Further complicating matters, several diseases mimic heart attacks so getting to the root of the problem can be tricky. Women are more apt than men to experience a coronary spasm, coronary dissection or broken heart syndrome.
What to Watch For:
ӱ Like men, women experiencing a heart attack may notice prolonged or reoccurring chest pain or pressure.
ӱ In women, that pain may extend to the arms, back, neck, jaw and stomach.
ӱ Some women experience shortness of breath with no chest pain at all.
ӱ Other symptoms women are more likely to report can be easily mistaken for other conditions. Some of these signs include unexplained fatigue, disruptions to normal sleep patterns, lightheadedness, nausea and cold sweats. (Family Features)
cular system. Women generally have smaller hearts and narrower blood vessels.
This can affect heart health in numerous ways, including less efficient stress responses and greater risk of widespread plaque buildup, especially in smaller vessels, called microvasculature, which can pose treatment challenges.
Cholesterol Buildup
Hormones influence aspects of the body’s function, including cholesterol levels. Estrogen, a female sex hormone, raises HDL (good) cholesterol levels. This may be why women tend to have more HDL cholesterol and lower LDL (bad) cholesterol than men, especially before they reach menopause, though inherited high cholesterol can affect women of all ages.
“It’s critical to raise awareness about the importance of measuring LDL cholesterol, diagnosing high cholesterol and treating elevated LDL cholesterol per guidelines and individual patient needs,” Bloedon said.
Risk Factors
While there are shared risk factors for heart disease among men and women (such as obesity, high blood pressure and diabetes), some risk factors disproportionately affect women. For example, uncontrolled cholesterol in women, particularly after menopause, can increase the risk of heart disease and stroke.
Care and Treatment
“While you may not be able to fully
prevent heart disease, you can understand the risks and take proactive steps,” Bloedon said. “Commit to a healthy, smoke-free lifestyle. Exercise regularly and eat a well-balanced diet with limits on processed foods, sugar, sodium and alcohol. Take any medications as directed by your health care provider.”
Statins, which reduce the production of cholesterol in the liver and lower cholesterol levels in the bloodstream, are the medications most often prescribed to help manage high LDL cholesterol. While generally well-tolerated, statin intolerance (the inability to take a statin at any dose or the recommended dose) does occur in some patients and is more common in women.
Talk with your doctor about other steps you can take to manage elevated LDL cholesterol levels and learn more about women’s heart health at goredforwomen.org. (Family Features)
Photo courtesy of Shutterstock
Amazing Things to Do in Griffith Park
Discover astronomical wonders, the history of the American West, and an antique carousel at the largest municipal park in the country Griffith Park spans more than 4,300 scenic acres, making it one of the largest municipal parks in the country. The range of available activities is sizable too, including everything from ogling elephants at the Los Angeles Zoo to hearing top-flight musicians perform at the open-air Greek Theatre. Here are five compelling ways to spend a day in the park.
Hike Pristine, Scenic Trails
Escape the city on your own or with a knowledgeable guide on 53 miles of hiking trails that lace Griffith Park’s remarkably unspoiled terrain. Follow well-marked paths through the lush,
fern-filled glen at Fern Dell, amble through an urban wilderness to Bronson Caves (the Bat Cave in the 1960s Batman TV series), or trek to the Griffith Observatory. Afterward, grab an avocado sandwich and Stumptown Coffee at the Trails Café.
Griffith Observatory
A Los Angeles landmark since 1935, this formidable Art Deco–style building houses a triple-beam solar telescope and a twin refracting Zeiss telescope, both for public use. (Perhaps you remember the facility’s star turn in the film La La Land.) Its outdoor deck provides an awesome view of the L.A. basin and its mountains-to-sea environs.
Visit the astronomy exhibits in the Hall of Science or be awed by the stars at Samuel Oschin Planetarium, which
boasts one of the largest planetarium domes in the world.
Back To the Wild, Wild West
Learn the truth about the shootout at the OK Corral at The Autry Museum of the American West, a beloved museum Gene “The Singing Cowboy” Autry helped launch in 1988. Eight galleries explore the mythic history of the American West through collections of buckskin jackets, branding irons, saddle blankets, barbed wire, Native American baskets, and Frederic Remington sculptures. The museum store is a winner for gift-givers.
Ride Horse and Hit the Trail
Let Trigger or Flicka do the walking for you at Sunset Ranch Hollywood. Daily horseback rides include a onehour excursion that delivers a close-up
look at the world-famous Hollywood Sign plus grand views of the chaparral-covered hillsides sloping down to the metropolis below. Longer rides include a trek to the top of Mount Hollywood for a 360-degree Los Angeles vista.
The Merry-Go-Round
This carousel inspired Walt Disney, whose daughters loved to climb atop the gilded horses. While they galloped on this 1926 Spillman merrygo-round, Disney imagined a much grander amusement park, which later became… well, you know. The carousel’s 68 prancing steeds are jumpers, and a custom-built organ plays more than 1,500 marches and waltzes. (Visit California)
From hiking to a carousel that inspired Walt Disney to the Greek Theater or horseback riding, there are many things to explore in the 4,300 acres of Griffith Park.
Photo Credits from left: ©ADOBESTOCK, ©ADOBESTOCK AND SUNSET RANCH HOLLYWOOD
Griffith Park Observatory ©ADOBESTOCK
Hike some of Griffith Park’s 53 miles of trails. ©ADOBESTOCK
Fern Dell bridge, Griffith Park © Amatullah Guyot
Preserving a Community Treasure — William S. Hart Park
By Ken Striplin Santa Clarita City Manager
“My ranch William S. Hart Park is for the benefit of the American Public of every race and creed.”
—William S. Hart
William S. Hart Park has been a cherished part of the Santa Clarita community for nearly 70 years. Whether it’s enjoying a peaceful walk through the picturesque trails, visiting the barnyard and feeding the deer or simply taking in the quiet charm of Newhall, Hart Park holds a meaningful place in the shared history and character of our community. That’s why I am proud to announce that the City of Santa Clarita has officially received court approval to take over full ownership of Hart Park starting this summer! Last month, the Los Angeles Superior Court finalized the transfer process, allowing us to assume stewardship of this beloved landmark and carry forward the vision of
William S. Hart.
This transition marks a major step in the City’s long-standing effort to preserve our historic sites while making them accessible to the public. Hart Park’s legacy is deeply rooted in community connection and this ownership ensures we can protect and celebrate it for future generations.
At nearly 160 acres, Hart Park is a true gem in Santa Clarita. It’s not only the last County-owned park within our City’s boundaries, but it’s also a vital part of our community’s story—one that blends local history, natural beauty and public access all in one place. Much like the Tesoro Adobe Historic Park, once home to Western film icon Harry Carey, Hart Park offers a unique glimpse into Hollywood’s past. It was the original home of silent film star William S. Hart and remains one of Santa Clarita’s most treasured historic destinations.
With this transition, we are preparing to reopen the Ranch House to the public this July, for the first time since 2020. We are also completing a full as-
sessment of the Hart Mansion and other historic buildings to prepare them to reopen at a future date. These efforts reflect our commitment to preserving the park’s historic character while enhancing the experience for residents and visitors.
I would like to extend my sincere gratitude to our Fifth District Supervisor Kathryn Barger for her continued support and leadership. This transition would not have been possible without her dedication to our community and her strong partnership with the Santa Clarita City Council.
Be on the lookout for a formal grand opening event planned for this fall. I encourage you and your families to visit Hart Park this summer and reconnect with its rich history and enjoy the open spaces that make Santa Clarita so special. For the latest updates, follow the City’s social media platforms or visit SantaClarita.gov.
Ken Striplin is the City Manager for the City of Santa Clarita and can be reached at kstriplin@santa clarita.gov.
The Latest News on What’s Happening In Hollywood
By Tony Rizzo
Julianne Moore won an Emmy for playing the dual role of Frannie and Sabrina Hughes in “As the World Turns” from 1985-1988. She won a second Emmy for essaying Sarah Palin in “Game Change” in 2012, but Moore didn’t stop there.
After five Oscar nominations, she finally took him home in 2014 for “Still Alice.” On May 22, her five-episode dark-comedy series for Netflix, “Sirens,” premiered with Meghann Fahy and Kevin Bacon; it’s about the “incisive, sexy and darkly funny exploration of women, power and class.”
Her Apple TV+ thriller “Echo Valley,” co-starring Sydney Sweeney, Domhnall Gleeson and Kyle MacLachlan, released on June 6. She’s also completed the action film “Control” with James McAvoy, which centers around a man with a brain implant that orders him to do things.
Moore is currently shooting an untitled musical comedy written and directed by (and also starring) Jesse Eisenberg, along with Paul Giamatti, Halle Bailey and Bernadette Peters. It’s about a shy woman in an original musical who loses herself under the spell of her strong-willed director.
Moore was shocked to learn that her 2007 children’s book, “Freckleface Strawberry,” was banned by the Trump Administration.
She stated in an Instagram post that she was surprised because the book “is a semi-autobiographical story about a 7-year-old girl who dislikes her freckles but eventually learns to live with them when she realizes that she is different ‘just like everybody else!’”
ABC’s scrubbing up for a planned reboot of the 182-episode series “Scrubs” (2001-2010), which starred Zach Braff and Donald Faison. Braff’s already signed on to return as John “J.D.” Dorian, while Faison, is a no-brainer to return as Christopher Turk, especially after all of those hilarious commercials they’ve done for T-Mobile!
Mark Cuban’s estimated net worth is $5.7 billion. When he sold his ownership of the Dallas Mavericks, insiders knew that it wouldn’t be long before he stopped swimming with sharks on “Shark Tank.” Even before season 12 began, Cuban started saying it would be his last season, but no one thought that he’d actually call it quits!
His final “Shark Tank” deal was a six-figure offer for 10% of the Deviled Egg Co. of Omaha, Nebraska, which only has two sit-down locations and one grab-and-go storefront in Dallas. He and fellow shark, Barbara Corcoran, bid $250,000 for 20%, and their deal was sealed.
Cuban invested in over 85 companies across 111 episodes. While most were successful, he admitted that some of the deals have resulted in net losses. He committed $61.9 million to more than 200 deals that have yielded $250 million.
Now 66, Cuban has two daughters who are 22 and 19 and a son who is 16. He says he wants to spend more time with them before he and his wife become empty-nesters! Cuban went from a shark to a devil … egg, that is!
it cs the Life of chuck E Sun 1:10 4:00 7:10; Mon & Tue 1:10 7:10; Wed 1:10 PM; Thu: 1:10 7:10 Charles Chuck’ Krantz experiences the wonder of love the hear tbreak of loss, and the mu titudes contained n a l o us
the Phoenician scheMe C Sun 10:30 AM; Mon to Thu: 4 00 PM
The stor y of a fami y and a fam ly business
ron DeLsener Presents Sun: 10:00 AM; Mon: 7:00
Protein-Packed Summer Sweet Treats
Beach vacations, backyard barbecues and long road trips make summer a season of spontaneity. Often cited as memory-making moments, these unplanned adventures can also make it a challenge to stay on track with your health. This summer, sticking to your wellness goals doesn't have to mean missing out on delicious, sweet treats.
When summer throws you off your routine, reach for convenient sources of high-quality protein, like Premier Protein High Protein Shakes. With 30 grams of protein, 160 calories and 1 gram of sugar, you don't have to choose between summer fun and nutrition. These summer shakes bring joy back to the health journey as easy and delicious grab-and-go solutions, putting a healthier, happier lifestyle within reach. Not to mention the shake's 24 vitamins and minerals, including vitamins C and E, which help
support a healthy immune system as part of a healthy diet and lifestyle.
The fan-favorite shakes are best enjoyed as part of a nourishing breakfast, afternoon snack, post-workout boost or as an ingredient in a protein-packed recipe. There's something for every taste bud, with more than 12 flavors including fan-favorites Chocolate, Vanilla, Caramel and Cafe Latte. If you're interested in trying summertime recipes that taste indulgent and pack a protein punch, consider these tasty treats.
When the sun is beating down and the only reprieve is an ice cold refreshment, let this twist on frosted lemonade be your escape from the heat. With fruity flavor and added protein, Frosted Peach Lemonade allows you to travel to a tropical island from the comfort of home.
From hot days to cool nights, Premier Protein delivers the perfect solution for the classic bonfire indulgence with Protein Marshmallow S'mores. Your new summer classic, this unexpected s'more hack lets you embrace a sticky treat without sacrificing your nutritional goals.
With nutrition that works for you, delicious recipes and nutrition tools help make the ride smoother and more enjoyable as a fun reminder the health journey doesn't have to be daunting. With easy-to-understand nutritionals, Premier Protein High Protein Shakes deliver tasty fuel for whatever comes next, giving you the confidence to reach your goals and be the best version of yourself without missing summer's special moments.
To find more information and protein-packed recipes that'll help keep your summer health goals on track,
Frosted Peach Lemonade
2 scoops Premier Protein Vanilla Milkshake
100% Whey Protein Powder
1 cup lemonade
1 cup frozen peach slices
In blender, blend protein powder, lemonade and frozen peach slices until smooth.
Protein Marshmallow S'mores
2 cups Premier Protein Vanilla High Protein Shake
5 tablespoons gelatin
3 scoops Premier Protein Vanilla Milkshake
100% Whey Protein Powder
3 graham crackers
3 chocolate bars
Add protein shake to small saucepan and layer gelatin on top. Let set 5-10 minutes (gelatin will start to "bloom").
Over low heat, whisk mixture periodically until consistency thins.
Pour into mixing bowl and allow to cool 5-10 minutes until mixture is warm, not hot.
Add protein powder; whisk 10-20 minutes, or until light and fluffy. Mixture should not break and fall immediately when whisk is lifted. Pour mixture into lined pan and allow to set in refrigerator.
Slice and serve alone or with graham crackers and chocolate bars. (Family Features)
SeniorLiving-It-Up
How to Enjoy Safe Travels in Your Retirement
Travel is often cited as something to look forward to when retirement rolls around. With work no longer demanding retirees’ time, they have an opportunity to dust off their passports, take their suitcases out of the attic and book whirlwind trips.
It’s important for senior travelers to keep their personal safety in mind when away from home. That’s because seniors are considered a high risk group for travel-related dangers, including vulnerability to crimes like pickpocketing, says the National
Institutes of Health.
Seniors also may be more vulnerable to accidents or health-related incidents. Seniors can follow these guidelines for safe travel the next time they head off for parts unknown.
Check Travel Documents
Some countries will not allow travelers to enter if their passports expire within six months of their arrival. Ensure that your travel documents will be valid at least six months after you will return home.
Comfort Keepers Offers In-Home Care
Caring for members of our community and their families for the last 23-plus years has truly been a privilege! Comfort Keepers is the premier provider of in-home care with over 700 offices across the nation and internationally, but locally owned and operated by Myles McNamara. Our goal is to enable seniors to remain safely in the comfort and privacy of their own homes for as long as possible. Often, all that is needed is a helping hand with daily tasks, including but not limited to, meal preparation, medication monitoring, light housekeeping, laundry, transportation (beauty salon, doctors, etc.), grocery shopping, companionship, assistance with bathing/showering, grooming
guidance, and recreational activities. We are also instrumental in lowering the stress for family members who are juggling their own busy lives and work schedules around attending to a loved one’s needs. Our service provides peace of mind knowing these needs and daily activities are being taken care of. It will allow quality time to be spent with loved ones, rather than attending to chores. If falling is a concern, just knowing someone is with them can make all the difference. Our Comfort Keepers are specially trained for Alzheimer’s and dementia care. Comfort Keepers prides itself in the quality of our compassionate, bonded and insured caregivers, and our mission to treat our clients like a member of our own family. Although
our clients are primarily seniors, our services are available for anyone over the age of 18 experiencing difficulties with daily tasks due to illness or injury.
Believing in giving back to the community we serve, McNamara serves on the Foundation Board at Henry Mayo Hospital, and has served as past President of the SCV Senior Center Foundation, which was the fundraising division of our Santa Clarita Valley Senior Center, other leadership roles on various boards and committees, as well as sponsoring special events throughout the year for our local nonprofit organizations. Comfort Keepers has also made available to the community and the family caregiver, free of charge, our Caregiver Skills Lab that is
used to train their own Comfort Keepers. Family members are many times thrust into the role of a family caregiver, but have not had the opportunity to have hands-on training that can help ensure the safety of not only the person being cared for, but themselves as well. Please call for more information or for a tour.
Myles McNamara, owner of Comfort Keepers In-Home Care located at 23900 Lyons Ave. in Newhall, and works professionally with seniors and their families on issues relating to senior independence. He can be reached at (661) 287-4200. Comfort Keepers is a Licensed Home Care Company.
Speak With a Local Agent to Get the Most Out of Medicare
Alocal licensed agent like Milton Eric Lopez can help you navigate your Medicare options. He helps LA County residents understand the key differences between their plan and coverage options.
He explains, “Original Medicare is good because you have some insurance. But the more you use it, the more bills can pile up. Medicare Advantage plans are required to limit your out-of-pocket costs and may also offer access to a broad network of doctors and specialists.”
That’s why Lopez recommends UCLA Health Medicare Advantage Plan. “Many of my clients want to
Kellar-Davis, Inc.
CalBRE #01290507
19310 Avenue of the Oaks
Newhall, CA 91321
keep the doctor they know and trust. With this plan, they can do that and access UCLA Health specialists.”
He adds, “I also tell people about the dedicated, concierge-style support. The doctors who created the plan understood what members need, and the dedicated service shows it.”
Call [844-843-6561] (TTY 711) 8:00 am – 8:00 pm, Mon. to Fri., to request a local agent consultation
Monday thru Friday 10 am – 4 pm Saturday & Sunday 12 pm – 4 pm
Kellar-Davis is your INSIDE source for all things Friendly Valley!
Ellie Lacy & Tim Kinman are your Friendly Valley Specialists
EllieCLacy@ yahoo.com
The community is guard gated and patrolled 24/7 and features a 9 hole executive course and an 18 hole pitch and putt. There is a lawn
court, picnic areas with BBQs, heated pool and a spa. There are many club and card rooms as well as a billiard room.
You can be as active as you want or just relax and enjoy your home.
There is an RV parking lot with a nominal cost per year.
Ellie Lacy or Tim Kinman will be happy to give you a tour of this terrific community and show you the homes that are currently for sale.
Rebels With a Cause
Back in 1977, a group of 12 senior activists in Long Beach, California, saw a problem: essential services for older adults existed, but were frustratingly hard to access. Determined to change that, they rallied the city to create the Long Beach Geriatric Health Care System, which was rebranded as the Senior Care Action Network, or SCAN.
TRAVEL
Continued from page 11
Research your Destination
This wasn’t just a name change; it was a movement. SCAN brought together more than 35 community organizations, creating a vibrant, culturally inclusive network that offered everything from medical care and transportation to home repairs and meal delivery.
SCAN wasn’t born to offer health insurance. It was built to solve real problems, to make aging in place possible, and to empower seniors to live
It’s important to have an idea of the atmosphere of any locale you plan to visit. The U.S. Department of State issues travel advisories that can inform travelers about potential destinations.
In addition to travel advisories, use resources like Trip Advisor to read reviews of hotels, tours and other travel components to find out if your safety may be in jeopardy.
Don’t Publicize Your Trip
It’s natural to want to share news of an upcoming trip with others, but reconsider posting about it on social media, both before leaving and while you’re away. There are cases of thieves using social media to target the homes of those who have advertised they’re going on long trips.
Pack Prescriptions Correctly
on their terms. In 1984, with strong roots in community care, SCAN launched its first Medicare health plan. Today, SCAN is one of the nation’s largest not-for-profit Medicare Advantage plans and is still committed to that original mission: keeping seniors healthy and independent. We’re proud of where we came from. And we’re inspired every day by the rebellious spirit of those 12 founders who refused to accept “good enough” when it came to aging. We didn’t start as a health plan, but we’re here to redefine what one can be.
The Centers for Disease Control and Prevention says nearly nine in 10 older adults take at least one medication. Always store medication in a carry-on bag where you can access it easily and it can’t be lost. The Transportation Security Administration (TSA) will allow you to carry liquid medication, syringes, pumps, freezer packs, or IV bags on the plane. Just check the TSA’s rules so you know how to pack them properly.
Streamline Airport Procedures
Americans can apply for TSA Precheck or Global Entry programs to cut down on time spent in security lines. These travel certifications can help you avoid removing your shoes or separating a laptop or liquids from your carry-on. Each program has a non-refundable application fee, but if approved, precheck certification lasts for five years.
Consider a tour or group travel
There is safety in numbers. Booking a tour or
group travel package may cut down on the risk of being taken advantage of while away from home. These are just a few safety precautions seniors can take to travel safely. (MC)
The National Eye Institute reports that age-related macular degeneration, also known as “AMD,” is very common. The condition, which is a disease marked by blurred central vision caused by age-related damage to the macula, affects 11 million people in the United States. AMD is a leading cause of vision loss in both the United States and Canada, and adults over 50 should know that they’re more likely to develop the disease than other demographics.
AMD is often detected during routine comprehensive dilated eye exams, which is one of many reasons why such tests should be part of anyone’s, but particularly aging adults’, wellness regimens. (MC)
Make Mental Health Matter
Mental health is now discussed more openly than it once was. Mental illness or issues that affected mental health used to be stigmatized, and many people suffered in silence and might not have gotten the help they needed.
The National Institute of Mental Health reports more than one in five U.S. adults lives with a mental illness. Mental illnesses include many different conditions that may vary in degree of severity, from very mild to severe.
The NIMH notes self-care plays a significant role in maintaining mental health and supporting recovery. People can safeguard their mental health in many ways, and doing so will improve their overall health as well.
Spend time in nature Nature can have a calming effect. Going for a walk can help tame stress and break patterns of negative thinking. In Japan, the concept of forest bathing is said to improve mental health. Forest bathing involves spending time in a forest or another green area experiencing the different sounds, sights and smells that nature offers.
Set boundaries B2B Reviews says 12% of U.S. workers were fully remote in August 2023. Estimates suggest that number may have increased to around 14% by 2025. Working from home can make it more challenging to set firm divisions on time spent working and for home life. Establishing boundaries means not being available 24/7 for calls or emails and not feeling guilty about taking time away from work.
Get regular exercise Just 30 minutes of exercise each day can get feel-good endorphins flowing through the body to boost mood and bodily health. Get more sleep Adults generally need
between seven and nine hours of sleep for optimal health and reaching deep sleep phases, says the Mental Health Foundation. Creating consistent sleep routines that include going to bed and waking at the same time each day; avoiding screens before bed; and avoiding caffeine or vigorous exercise late in the day can help improve sleep.
Try relaxing activities Relaxing activities can include reading, listening to music, meditation, or low-stress crafts and hobbies. Make time each week for these calming pursuits.
Socialize Socialization provides opportunities to see others and talk about anything you want to get off your chest. People feeling stress or anxiety might think they are alone. But having conversations with others can illustrate that these are common problems and there are solutions. Sometimes just talking about an issue can help you overcome it.
Use your vacation time Too many people are not using enough of their deserved and accrued time off. A survey from the financial services company Sorbet found that 62% of Americans don’t use all of their paid time off.
A Pew Research Center survey found that nearly half of U.S. employees with paid time off take less time than their employers offer. Failure to take time off is a recipe for burnout. Mental health should be a priority. Safeguarding mental health can involve various self-care techniques that anyone can employ. (MC)
COMMUNITY INSPIRED
Exploring where and how we live and celebrating the people and fabric of the Santa Clarita Valley.
The Great Outdoors
Seed Buying 101: A Seed Gardener’s Glossary
How often do you hear or find yourself wondering what is the difference between an heirloom and an open-pollinated seed variety, an F-1 hybrid and a “GMO?” Misconceptions about these terms are rampant. Breeding techniques continue to evolve, and the ethical debate on the long-term effects of this brave new world of hi-tech breeding will rage on. One concrete way we as seed gardening professionals can help is by providing clarity.
Cultivar The word cultivar derives from the term “cultivated variety.” A cultivar name is often presented as the “variety name” after the genus and species in home garden seed catalogs. For example: For “Morning Glory (IpPomoea Purpurea), the cultivar name is ‘Grandpa Ott’s. It is described by the International Code of Nomenclature as an “assemblage of cultivated plants clearly distinguished by one or more characteristics, which, when reproduced, retains its distinguishing characteristics,” a seed-grown cultivar can be either a hybrid or open-pollinated variety. So a cultivar is a cultivated variety with specific characteristics (a.k.a.” traits”).
Genetically Engineered The terms GE and GMO are frequently used interchangeably, but they do not mean the same thing. Genetic Engineering describes the high-tech methods used to incorporate genes directly into an organism. The only way scientists can transfer genes between organisms that are not sexually compatible is to use recombinant DNA techniques. The plants that result do not occur in nature; they are “genetically engineered.” At the present time, home gardeners will not encounter packets of GE seeds
sold through home garden seed catalogs or garden center seed racks.
Genetically Modified Organism The USDA defines a GMO as an organism produced through any type of genetic modification, whether by high-tech modern genetic engineering or long time traditional plant breeding methods. Examples of this type of work include familiar vegetables and fruits such as seedless watermelons, pluots and modern broccoli.
Open Pollinated Open-pollinated varieties are seeds that result from pollination by insects, wind, self-pollination (when both male and female flowers occur on the same plant) or other natural forms of pollination. If you save seeds from open-pollinated varieties and grow them in following years, they will “come true,” meaning that the plants will produce plants with characteristics or “traits” like the parent plant from which the seeds were harvested. Keep in mind, however, that both the wind and insects will pollinate different open-pollinated varieties that are planted close together. Because of this, with some common home garden plants, notably squash and pumpkins, saving seed can
be a gamble, because unless different varieties are separated by specified distances, they may exchange pollen or “cross pollinate” each other.
Hybrid (F-1) An “ F-1”, or first-generation hybrid occurs when a breeder selects two pure lines and cross-pollinates them to produce a seed that combines desirable characteristics from both parents. Common traits that breeders work to increase in hybrids might include disease resistance, uniformity, earliness, high nutrition or color. Hybrid seed is often more expensive than non-hybrid seed, due to production methods — the pure lines must be consistently maintained so that F-1 seed can be produced each year, and the process of crosspollinating is often done by hand. Examples of popular home garden hybrids include Premium Crop Broccoli and Better Boy, Celebrity and Sungold Tomatoes. Heirloom Heirlooms can be generally defined as open-pollinated varieties that have resulted from natural selection rather than a controlled hybridization process. Some sources use 50 years as an arbitrary age marker to define what constitutes an heirloom variety. Others classify any cultivated
variety as an heirloom if it was developed prior to the 1940s and 50s. Seed saved from an heirloom produces plants with the same characteristics as the parent plant. Seed saving organizations have played an important role in preserving many noncommercial heirloom varieties.
Examples of popular home garden heirlooms offered by many packet seed companies include Brandywine and Black Krim tomatoes and Kentucky Wonder beans. The romantic view of heirlooms is that they are varieties that have been passed down through generations of gardeners.
Organic When you see the word “certified Organic” on a seed packet, it has distinct legal meaning. It can only be used for seed by growers who are in compliance with all the detailed rules and regulations specified by the USDA’s National Organic Program. In the US, organic regulations specify that the land in which crops are grown cannot have had prohibited substances applied for three years prior to harvest, and the operation must be managed according to an Organic System Plan that is approved and regularly inspected by a USDA-accredited certifier.
Organic seeds are grown strictly without the use of synthetic fertilizers and pesticides; the use of sewage sludge, irradiation, and genetic engineering are also prohibited.
Pelleted Pelleted seeds are enclosed in a round pellet made from simple clay or another inert material to bulk them up. The process makes very small seeds such as lettuce, carrots and onions easier to sow and is a way to make expensive tiny flower seeds easier to see and handle.
Elevate Your Bathroom with Touches of Luxury
Awell-designed bathroom can offer more than daily functionality — it can serve as a relaxing retreat where comfort meets personal style. With a few thoughtful updates, you can bring a renewed sense of calm and sophistication to one of the home’s most-used spaces.
If you’re considering a bathroom refresh, explore these expert ideas to help easily transform your space.
A Sophisticated Palette
Start with a clean slate. A fresh coat of paint in a soft, neutral hue provides timeless elegance and flexibility, allowing your fixtures and finishes to shine. Alternatively, create a focal point with a bold color or refined texture to anchor the room with personality — an easy first step in a luxury bathroom remodel.
Simple material swaps can bring new energy to your space. These versatile elements can evolve with your style while maintaining a refined look.
Thoughtful Luxury
True luxury lies in the details and in daily rituals. Consider design-forward
SEEDS
Continued from previous page
upgrades that elevate both comfort and hygiene. A one-piece bidet toilet delivers a spa-like experience through smart technology and minimalist design, making it a standout smart toilet option.
“WASHLET+ one-piece bidet toilets have become one of my go-to upgrades,” said Alena Capra, CMKBD, host of SoFlo Home Project.
“They’re beautifully designed, surprisingly easy to install and instantly elevate a bathroom’s comfort and style. The S7 and S7A WASHLET+ models feature a sleek, one-piece design and are the perfect blend of smart tech and timeless design, especially
Pelleted seeds may also be “primed”. Priming is a hydration treatment bringing seeds to the brink of germination, then they are dried for storage and distribution. Primed seeds break dormancy and germinate quickly when sown, but should be used the same season they are purchased, as priming can decrease storage life.
Treated/Untreated Seeds labeled “Treated” are generally coated with a fungicide—check the packaging for specifics about the treatment. Treated seed is available primarily for commercial crops because farmers want to protect germinating seed in the field from pathogens when planted in cold or wet soil.
for homeowners prepping for summer guests.”
Features such as warm-water cleansing, heated seats, air dryers and builtin deodorizers can transform everyday routines into spa-like experiences. Some premium models with these innovations are now available through independent showrooms’ “Buy More, Save More” promotion, making it easier to upgrade multiple bathrooms while embracing comfort and sustainability.
Finishing Touches
Modernize your space by replacing outdated hardware with elevated
Safe Seed Pledge The Safe Seed Pledge arose as a response to the release of first genetically engineered plants in the mid-90s. Signers pledge not to buy or sell genetically engineered seeds. A list of companies that have signed the pledge is maintained by the Council for Responsible Genetics, a non-profit with a stated mission of educating the public about and advocating for socially responsible use of new genetic technologies.
The EZfromSEED Website shows you everything you need to know about growing plants from seed. It’s brought to you by the Home Garden Seed Association (HGSA), an international group of seed producers and seed packet companies committed to supporting home gardening success, specifically through the use of seeds. (Home Garden Seed Association)
styles. Brushed metal or matte black finishes offer a contemporary edge while luxurious showerheads and touchless faucets enhance both innovative function and visual appeal.
Purposeful Lighting
A well-designed bathroom deserves lighting that both flatters and functions. Layered lighting such as dimmable sconces, task-specific fixtures and ambient sources adds visual depth and supports everything from morning routines to nighttime relaxation.
Maximize Utility with Integrated Design
Keep your space feeling serene and uncluttered with discreet storage solutions. Built-in cabinetry, recessed niches and custom shelving maintain visual harmony while keeping essentials within reach. Consider toe-kick drawers or mirrored cabinets for added functionality with style. With small but intentional updates, your bathroom can become a peaceful space that reflects your personal style and enhances everyday living. For more design inspiration and to explore a full range of luxury bathroom innovations, visit TOTOUSA.com. (Family Features)
PUZZLES
SOLUTIONS
ETHICALLY SPEAKING
READER LETTERS
Don’t Use What You Don’t Believe A Vet’s
Flag Opinion
With all of the patriotic days coming up, I speak as a Vietnam veteran and member of the Santa Clarita Veterans Memorial Committee. And, having said that, these are my personal thoughts and feelings and not at all meant to represent the thoughts or feelings of all veterans or people who support veterans and who may or may not be veterans themselves.
The American flag or representations of the flag should not be worn as a garment under any circumstances!
Flag patches and pins are exceptions.
I’m in no way accusing anyone wearing the flag as a shirt, tie, pocket square, etc., as being unpatriotic. In fact, I believe they are doing it to show their love of the country.
However, not wearing the American flag as a garment is certainly not going to offend anyone.
The U.S. Flag Code states that the flag should not be used as “wearing apparel.” And that would include the flag pocket square worn by our current secretary of defense and fellow combat veteran Pete Hegseth.
Just the opinion of a VERY patriotic veteran.
Rick Barker Valencia
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By David Hegg
Irarely use this column to advance purely religious or theological ideals. And while this one may look religious, it is really all about ethics. It just so happens there is a particular ethical problem I’d like to discuss, and it has everything to do with the Bible. So, please keep reading.
Here’s my premise: If you don’t believe it, you can’t use it against those who do.
Today, many are using biblical material or principles as ammunition against those of us who order our lives around Scripture. And that would be fine if they believed the truth of what they were spouting. But it is a classic ethical breach when someone uses facts, beliefs and convictions to upend their opponents when they don’t believe those facts, beliefs and convictions are true for a minute.
Let me illustrate. Take miracles, for example. A miracle is defined as an occurrence that goes against natural law. Miracles occur when natural laws are either suspended or reversed. Exhibit “A” would be the resurrection of Jesus Christ from the dead. That is the granddaddy of all miracles.
But many today don’t believe miracles are possible. They refuse to accept the existence of the supernatural. So, if you don’t think miracles are possible, you don’t get to shout, “It’s a miracle,” when your team wins, you find the perfect parking space at the mall, or you reach a human being when you call the phone company. If you don’t believe the miraculous happens, you don’t get to say it does.
Here’s another. Lately, we Christ-followers have been sternly warned, “Judge not lest you be judged.” Here’s the deal. You don’t get to use this verse unless you can tell me where it is found (Matthew 7:1), the context (hypocrisy, not critique), who was saying it (Jesus), and the greater context of that verse (the Sermon on the Mount). Also, you’ll need to explain what Jesus meant when he said it. You don’t get to import your opinions into his sermons, especially if you don’t believe the Bible in the first place. You don’t get to use it if you don’t believe it!
Here’s another. It has been plastered all over the Internet that “Jesus never talked about homosexuality.” Those who promote same-sex activity and marriage don’t get to use this argument (which, by the way, is false and irresponsible) unless they are willing to say that whatever Jesus said is to be followed. If you don’t honor Jesus’ teaching where it is clear, you don’t get to
use his supposed silence against those who do.
To be ethically honest, you’d have to say, “If Jesus talked about it, I would follow what he said.” But unless you are trying diligently to follow the other things he said, including his direct teaching on marriage, you don’t get to use Jesus in your argument. If you don’t believe it, you can’t use it.
Lastly, I remember when 911 came, and the Twin Towers fell, and America suddenly realized we were no longer safe in our homes. For days after that ill-fated Tuesday, our church buildings were open and filled with those who felt driven to pray together. A large percentage of them hadn’t darkened the church door for years. Yet, in the moment’s uncertainty, they sought refuge in God. The same phenomenon occurred after the Saugus High School shooting. We welcomed scores of our neighbors with open arms, prayed with and for them, and tried hard to get them to see that their natural inclination to reach out to God signified something about the hole in their soul that nothing else could fill.
But again, I ask: If you don’t give God time when things are good, why run to him when things are bad? If you don’t think he has a part in your life today, why run to him when tragedy hits tomorrow? Why, when you scoff at Christianity, do you ask your Christian friends to pray for you when jobs are lost, cancer is found, or life’s chaos becomes overwhelming?
Don’t worry. We won’t tell anyone. And when you’re in trouble, we’ll still take you in, pray for you, care for you, and help you all we can, regardless of your lack of belief. We do it because we’ve found loving God and loving people is the best way to live, no matter what else is swirling around us.
Lastly, if you still want to say getting that parking place is a miracle, why not consider the possibility of true miracles? And if you’re going to understand what Jesus said about judging, why not take the time to read and study the Sermon on the Mount? And if you feel prayer can help in the tough times, maybe it’s time to find out why, and see if knowing God holds promise for you all the time? And if you do, let me know. I’ll meet you at the coffee shop and discuss it winsomely. I promise to listen to all you’ve got to say as long as you genuinely believe it and are willing to listen to what it really means.
Local resident David Hegg is senior pastor of Grace Baptist Church. “Ethically Speaking” appears Sundays.
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