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LET’S TALK How to talk to your kids about tough money matters
Clinical psychologists note that when kids don’t have enough information about something, they may become anxious, make up their own explanations—which can include blaming themselves for a perceived problem—or seek information from other, potentially unreliable sources.
Experts recommend talking to your children about financial concerns, keeping in mind that the level of detail shared should be based on your child’s age.
Preschool and Elementary Age
Experts suggest limiting financial discussion with very young children to the basics. If the economy is struggling, you might tell them that this can happen when businesses spend more money than they have and have to pay back what they borrowed.
You might also explain that when money is tighter, they may need to wait a little longer to get certain items such as new toys.
Psychologists emphasize the need to be honest, but reassuring, letting children know that tough financial times are only temporary and that you will always provide them with everything they need.
“Tweens” and Teens
Children in this age group are old enough for you to explain what financial terms mean and why the economy doesn’t always perform well. You might also provide an overview of how credit works, introducing terms such as interest, risk and liability.
You could also engage your kids in family budget decisions, particularly should you feel a financial pinch.
If they want to go on a vacation or buy that new video game system, ask for their ideas on how to save up the money. If you can’t afford to eat out as often, let them pick a favorite restaurant for a special monthly or quarterly meal.
College Kids
Experts say that at this age, families should be open and straightforward when discussing finances. In addition to helping college-age kids understand a change in the economy or other financial development, explain what it could mean for your family’s financial situation and whether it could impact them.
www.grandseasonfamily.com Tell them how you’ve been spending and saving, describe struggles you’ve faced, and outline the steps you’ll take to shore up finances. You can also help them build their own budgets and saving plans. Being honest about financial mistakes you’ve made can help your children avoid them in the future. www.grandseasonfamily.com
CAMPING Enhance your camping experience
The weather is just about perfect to start planning your first camping trip of the year. Here are some tips to help, if you run into unexpected problems: MAKE A DIY LANTERN Forgot a big lantern? If you have a small wearable headlamp, use its strap to tie it to the side of a clear jug or water bottle, shining inward—the water will diffuse the light like a lantern. No headlamp? Strap up your cellphone with its light on. LINE YOUR BACKPACK If there’s rain in the forecast, open a garbage bag inside your pack, and stuff your sleeping bag and clothes inside that to keep them dry. A WARM SHOWER Fill a garbage bag with water in the morning, then hang it from a tree branch. The afternoon sun will warm the water; in the evening you can stab holes in the bag with a stick to rinse off.
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CARRY EGGS SAFELY Just crack them into a water bottle before you leave home, then shake and cook for scrambled eggs. MAKE A CAMP KITCHEN Tie your belt around a tree at head level to hang up pots and pans. DON’T GET COLD FEET Fill a bottle with warm water and put inside a pair of socks, and drop in your sleeping bag before dinner. At bedtime put on the socks and hop in your bag with the warm water bottle.
PREVENT RUST Save those “Do Not Eat” silica gel packs and store them in your cookware between trips to fight rust.
ALWAYS HAVE A PILLOW No, don’t bring a pillow—that takes up too much space! Just stuff extra clothes inside a t-shirt to use it as a pillow at night.
March 2020 The Grand Season family 17 CAMP FOR FREE If grandpa could camp without pricey gear, so ca you! No tent? Throw a tarp over rope between trees. No sleeping pad? Use your yoga mat. March 2020 The Grand Season family 17
SCREEN TIME What research says you can do
The fix: Setting clear limits on tech use is not just important, it’s essential. New technology can help you do so much more seamlessly than an idle warning. Think about installing an app that doesn’t lead kids into the next level of a game, or give parents control over kids’ devices remotely.
One such tool is a parental control app called OurPact. To start, parents sign up for a free account. After pairing their child’s devices, they’re able to manage them remotely through at-a-touch blocking or automated schedules. It’s great for setting bedtime schedules, ensuring devices don’t cause homework distractions. It works on Wi-Fi and all cellular connections, meaning you can manage access whether you’re at the grocery store or at home. To learn more or download, visit OurPact.com.
And of course, open the lines of communication about device use with your kids early on, and keep the dialogue going. Explain why screen time rules are important and set a good example. If you don’t want your kid to look at their device in the middle of a conversation, hold yourself to the same rule.
Screen time is a hot topic for parents and researchers alike. While digital devices are the norm, and children can certainly use them to their benefit, parents can also help children learn healthy digital habits. Research is still working out the long-term impact of devices on kids. Here’s what’s known so far, and what you as a parent can do about it.
Devices Before Bed = No Sleep It’s undisputed: when it comes to bedtime, devices are a big no-no. According to Hoag Medical Group, devices are known to emit a specific light wavelength that messes with sleep patterns. Doctors recommend that kids don’t use devices for at least one hour before bed.
Screen time linked to depression and anxiety According to a study published in JAMA Pediatrics, kids who spend a lot of time in front of screens are at a greater risk for emotional issues and low self-esteem. This is in part because the more time kids are spending in front of screens, the less time they’re spending doing healthy activities like socializing or being active.
The fix: Distract kids with fun, thought-provoking alternatives. Whether it’s a trip to the playground, board games or fort-building, putting screens away gives children’s imaginations time to flourish.
Verbal ‘warnings’ do more harm than good
The fix: At night, stick to the basics. Read to your children or tell them a bedtime story. When they’re old enough to read to themselves, encourage them to stick with the habit of curling up with a good book before light’s out. Every parent knows the struggle of limiting device use. Handing a tablet over is easy enough, but getting it back? That’s when the struggle begins. According to research, giving kids a warning that screen time is coming to an end increases the chances that kids will fight back and defy their limitation.
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Few things can spoil a backyard barbecue or afternoon picnic as effectively as these relentless bloodsuckers. And citronella candles, as nice as they smell, usually don’t help much. But there are just about as many hack remedies out there as there are stories about how they don’t work. Wearing long sleeve and pants and spaying them with DEET is a sure-fire, but backyard-unfriendly method. THIN CRUST PIZZA
Here are a few ideas suggested by researchers—test them to see which one is most effective for you.
1. USE A FAN: For all that buzzing in your ears, mosquitoes are actually very weak fliers—If you can set up a couple of fans outside, you’ll make it difficult for them to maneuver around you.
2. SMOKE THEM OUT WITH SAGE: This remedy actually has little to do with the sage and much more to do with the fact that mosquitoes don’t like smoke. A campfire will deter many mosquitoes; if a fading fire isn’t working as well, toss a few leaves or pine straw into the flames to make a small cloud of extra smoke.
3. MAKE A DIY MOSQUITO TRAP: Pour a little bit of fragrant olive oil into a bowl and roll it around to lightly coat the inside, then put it on the table—mosquitoes will be attracted to the oil, land, and get trapped.
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The process of selling your home can be frustrating, because you often have to fix all of the things you don’t like to make the house attractive to others. Often when you’re on a budget, it’s easy to skip the big items—like painting your house. Experts say that is a mistake, here’s what they say painting can do for you. Color can ratchet up the price. An effective use of color on the exterior of your home can add thousands of dollars to its value, says James Martin, who has been hired by landlords and real estate developers to increase the market value of their properties or improve occupancy rates in their buildings with eye-catching color schemes. Perception of color is relative. If you put a mid-value color, such as tan, next to pure white, it will look beige. But if you put it next to dark green, it will look off-white. Keep this in mind when choosing colors. And when you are choosing a color from a fan deck at the paint store, you should mask off the colors next to it with a white sheet of paper. Begin with the value. Design your color scheme first according to value. That is, decide whether you want a dark, medium, or light main color. Highlight detail carefully. Create a balanced effect between the top and bottom of your home. For instance, if there is a lot of detail on the top of your home, you will need to create detail and interest on the bottom. Don’t be top-heavy. Put darker colors toward the bottom of the house to avoid creating an “uncomfortable, top-heavy feel,” says Martin. Choose colors in the right light. Pick colors outside in natural light on a cloudy day or in open shade. Bright light creates glare, and can distort your perception of the color. Be material-minded. Make sure the paint colors you choose complement the colors of the other materials of your home, such as the roof, brick, stone, or stucco. Brighten things up. Paint window sashes and overhead surfaces, such as porch ceilings and soffits, a lighter color to reflect light and lift the spirit of your home.
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A Message from Sue Royer “I was born and raised in inner city Chicago, the sixth of eighteen children with fifteen brothers. Being the oldest daughter, I was always a caregiver which I believe influenced me to pursue work in the healthcare industry. Today, I have three daughters and five grandchildren. Years ago, I volunteered for hospice and knew immediately that helping seniors was my calling. I was soon employed by hospice but I felt something was missing. I realized it was the limited time I was able to spend with my clients. Having my own business allows me to provide the intimate hands on service needed in our community. I am committed to our seniors throughout their lives and I thank the community for the opportunity to serve.”
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About Us
Since 2002, AAA Senior Placement AZ has been offering FREE services helping seniors find safe, affordable and loving assisted living.
When it becomes too difficult for you or your loved ones to safely manage daily living and/or manage medical needs, call Sue Royer for help navigating the many options available.
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HOT PROSPECTS Skills to help your 20 something learn
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Fox re Dr
Fox re Dr
Grand Ave 134th Dr
Bell Rd
Dysart Rd
1. Sell yourself Even if you aren’t working in sales and never want to! So much of business success boils down to sales of one kind or another. Remember that you will have to present yourself as an asset, and hot commodity many times in your career; what is anything but another sales pitch?
2. Get a party trick Figure out one thing that you are good at—or would like to be. And don’t just get good at it. Get really good at it. If it’s your job, so much the better. But if it’s a hobby, you never know; that could turn into a back-up plan someday.
3. Make networking matter It’s not just a matter of how many contacts you have, but how many of those contacts would be willing to go to bat for you. Don’t just meet people, prove your value to them. That way you’ll have a network of advocates, not just a network of profile links on social media.
4. Learn coding Even if you don’t see yourself as a computer person. Coding has become as common as reading and writing as far as skills go in the new economy. Learn it while you’re young, and you;ll thank yourself later.
5. Invest your leisure time Instead of that one extra episode of Outlander, try spending the time you have on your own development. Take a seminar, volunteer, learn a dance, read a book, exercise. Spend a good portion of your free time on personal improvement and development.
6. Quit worrying Worrying changes nothing. Concentrate on finding solutions to problems when solutions are possible. And try to let go of the rest. Do your part, and do it well, then try to be calm about outcomes you cannot control.
7. Save your cash Start saving money. That one extra trendy outfit, or night out at the club will not be worth it in the long run, when that money could be put to better use. Remember, compound interest can make you a millionaire in twenty years. Put away a small, but consistent amount of money every month.
PURPOSE DRIVEN What’s direction are you going?
What truly moves you and how can you turn that passion into a fulfilling mission in life? Everyone’s different, so here are some common strategies that can lead you to your unique goal. Start by asking yourself these key questions:
1. As a child and back in your younger days, what experiences were the most memorable? What pastimes did I find most fulfilling? Make a list of everything that gave you pleasure as a kid and teenager. Maybe it was playing basketball or guitar. Start small and resume those activities. Then, once you rediscover that passion, look for a way to use it to help others. Maybe you can volunteer to coach a basketball league for underprivileged kids.
2. What are my core values and beliefs? It sounds like a simple question, but it’s far from it. You can accept certain values, because you’ve been taught they’re important, but sometimes they don’t work for you. Start by making a list of values you think are important. They may include everything from integrity to friendship, faith to humor, patience to spontaneity. Then rank each on a scale of 1 to 10. All values are good, but understanding which are most important to you will help you understand what will give your life meaning.
3. What goals should I set for myself? Take stock of each segment of your life, and write down what you visualize as the ultimate goal in each area. Include your career, family, health, relationships, spirituality and travel desires. Ask yourself: What would my best health look
like? Who are the people I most want to spend time with? What do I most want to change? If you don’t understand and set your own goals, you will end up living someone else’s.
4. What do I want my legacy to be? The ultimate question for anyone considering how to make a greater contribution to his or her world: How do I want to be remembered by those whose lives I touch? A simple way to get to this answer is to write your own obituary. Sometimes referred to as an “autobituary,” it’s a chance for reflection that also forces you to realize that your time is limited and to take a hard look at the way you’re spending it.
Loosen a stuck ring by putting a little bit of butter on your finger to help it slide. A squirt of shaving cream can help release latex paint specks on your hands from using a roller brush. Just rub over hands and rinse. Baked apples (or stuffed peppers) will stay perfectly upright if you set them into the wells of a muffin tin.
Spray a thread end with hairspray to keep it stiff for threading. If you don’t have hairspray a touch of hair gel works as well. If you are looking for a natural air freshen, try boiling a couple of cups of vinegar and let it simmer for 10 minutes. At first, the vinegar will smell, but then it will disappear and your room will be fresh. Use your vegetable peeler to make strips of butter if it’s cold and you need to spread it on bread. The strips’ large amount of surface area help the butter to soften quickly, making it easy to spread. Make your own bath oil by mixing a couple of drops of your favorite perfume with a bit of baby oil. Just rub on post-bath or add to your bathwater.
Get king-size pillowcases from a thrift store to cover a diaper changing pad. They are the right size and cheap. Lightly spoon flour into your measuring cup. Never pack it down or tap the cup to level. Simply fill and then use the flat edge of a knife to remove the excess back to the original container.
SERVICE DIRECTORY
AC & APPLIANCE REPAIR
BFS ARIZONA HOME SERVICE WARRANTY
Air Conditioning ~and~ Appliance Repair
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COLLISION REPAIR & PAINTING
623-972-2260 PICKUP & DELIVERY SERVICE 12555 GRAND AVE, EL MIRAGE, AZ COLLISION REPAIR & AUT0 PAINTING
ROC #231155
AC & HEATING AC & HEATING
YOUR LOCAL A/C & HEATING COMPANY 623-748-3324 18700 N. 107th Ave., Suite 30 Sun City, AZ 85373 www.BellAirConditioningAZ.com
ARTIFICIAL GRASS
602-730-7003 ARTIFICIALGRASSMASTERS.COm Licensed • Bonded • Insured ROC #285231 artifical turf curbing • solar shades Pavers • Travertine • gravel landscaping & More call today!
COMPUTER SERVICE Serving the Valley Since 1996 623-486-4404 FREE ESTIMATES VIRUSES, WiFi SETUP SLOW COMPUTERS COMPUTER SERVICE
TOYOTA-SCION-LEXUS SPECIALISTS Also Servicing Subaru, Honda, Nissan and All Other Asian Vehicles Factory-Trained Master Technicians Family Owned & Operated Personalized, Honest and Reliable Service AUTO REPAIR www.ProSkillServices.com
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DECKING
ACRYLIC DECKING of ARIZONA
Call Bob Today! 623-810-7462 DUSTLESS Removal of Old Cooldeck & Epoxy Coatings CONCRETE PATIOS, ADDITIONS, DRIVEWAYS & WALKWAYS
GARAGE DOOR REPAIR
623-300-2539 KramerTrust.com AZ LEGAL DOCUMENT PREPARER #81763 REVOCABLE LIVING TRUST
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AC & HEATING FAUCET DOCTOR,LLC PLUMBING & AIR CONDITIONING AC & HEATING
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AUTO REPAIR
T
UNDERBIRD AUTOMOTIVE OF SURPRISE
COMPLETE AUTOMOTIVE & DIESEL MAINTENANCE & REPAIR
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ELECTRONICS
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Southwest Golf Cars Full Service Repair Shop 13901 W. Camino del Sol Sun City West • 623-584-0591 11124 Youngtown Ave. Youngtown • 623-977-3100 • Gas & Electric Tune-Ups • Battery & Tire Replacements • Re-Upholstery & Carpet • Full Line of Accessories • Annual & Safety Checkups • Pick Up & Delivery • Factory Trained Technicians GOLF CAR SALES & SERVICE
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BATHROOM REMODELING
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ELECTRICAL
YOUR LOCAL ELECTRICAL COMPANY
www.ProSkillServices.com
GROUT & TILE CLEANING
Family operated • Bonded • ROC #311555 602-653-0154 FREE ESTIMATE Stone & Tile Granite • Pavers
SERVICE DIRECTORY
HANDYMAN SERVICES
Quality Handyman Service Free Estimates Ζ Drywall Repair Ζ Ceiling Fan Install Ζ Painting Ζ Honey-do Lists Ζ And more! 480-476-3863 bctrendzllc.com *Not a licensed contractor
HANDYMAN SERVICES
Senior Discounts U.S. VETERAN OWNED HANDYMAN CO. 32 Years Experience ● Home Remodel ● Plumbing ● Home Repairs ● Floor Coverings ● Electric Work PORA LISTED Call Richard @ 623-451-0778 Not a licensed contractor
EXPERT INSULATION SERVICES INSULATION
LANDSCAPING
Licensed, Bonded, Insured ROC #276814 (602) 362-4545 www.desertdiamondhvac.com · Allergy Friendly · Cost Effective · Damage Free Installation · Enhanced Energy Efficiency · Fire Resistant · Improved Air Quality · Limited Lifetime Warranty · Plus many more benefits!
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LANDSCAPING PAINTING PAINTING
COBRA LANDSCAPING, LLC
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REMODELING
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ARTURO’S LANDSCAPES
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SCREENS & AWNINGS
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Celebrate St. Patrick’s day with these unique drinks
Shamrock Sour Cocktail Ingredients 2 tablespoons lime juice ½ tablespoon lemon juice ¼ c. simple syrup 2 oz. Irish whiskey 1 tiny drop of green food coloring lime wedges for garnish Instructions Combine ingredients and shake well; strain over ice. Garnish with a lime wedge and a shamrock stirrer. To avoid your drink becoming too green, you can dab an extra wooden skewer into the green food coloring and then stir that into your drink to better control the amount of color.
Baileys Irish Floats Ingredients 6 scoops vanilla ice cream 2 c. Guinness beer 1/2 c. Baileys Irish Cream 1/4 c. chocolate syrup Instructions Scoop three scoops ice cream each into two tall glasses. Pour 1 cup Guinness and 1/4 cup Baileys over each serving. Drizzle with chocolate syrup.
The Grand Season family March 2020 36 Drunk Grasshoppers Ingredients 1/2 oz. creme de menthe, chilled 2 oz. white chocolate liqueur, chilled 1 oz. vodka, chilled Cool whip, for garnish Chocolate shavings, for garnish Instructions Combine creme de menthe, white chocolate liqueur, and vodka. Stir to combine. Top with a dollop of whipped cream and a sprinkling of chocolate shavings. Pickleback Jell-O Shots Ingredients 1 1/4 c. pickle juice 1/2 c. whiskey 2 packages plain gelatin 12 large pickles 1 tbsp. chopped fresh dill Instructions In a small saucepan over medium-high heat, combine pickle juice and whiskey and bring mixture to a simmer. Remove saucepan from heat then whisk in gelatin. Let mixture cool slightly. Make pickle shot glasses: Cut off the ends of each pickle so that both ends are flat, then cut each pickle in half crosswise. Using a quarter teaspoon, scoop out the middle of each pickle to create a well. Carefully pour whiskey mixture into each pickle then sprinkle dill on top. Refrigerate until jello is set, about 2 hours. The Grand Season family March 2020
www.grandseasonfamily.com Whiskey Lemonade Ingredients 9 c. water, divided 3 mint tea bags Small bunch thyme, divided 1 c. granulated sugar 1 1/2 c. bourbon whiskey 2/3 c. lemon juice 1 small bunch mint 1 lemon, thinly sliced Instructions Make the mint-thyme tea syrup: In a medium pot, bring 4 cups water to a boil. Add in tea bags, 8 sprigs thyme, and sugar. Let boil for 15 minutes. Strain into a large pitcher and combine with remaining 5 cups water. Chill 1 to 2 hours. Make the punch: Pour whiskey into prepared mint tea, then add lemon juice, remaining thyme, fresh mint, and lemon slices. Stir to combine. (Add more whiskey to taste, if desired.)
www.grandseasonfamily.com
WHISTLE WHILE YOU WORK Cleaning tips you will love
Eliminate upholstery stains with shaving cream. There’s no need to hire an expensive professional to get those stains out of your upholstery. Instead, rub a little bit of shaving cream (anything but the gel kind) into the stain, let it sit for 30 minutes or overnight, and then blot it dry. Sweep your baseboards with a dryer sheet. Attach a dryer sheet to your Swiffer in place of a microfiber cloth and you’ll pick up all that unwanted dust while simultaneously lending a sweet scent to your home. Scrub the bathtub clean with grapefruit and salt. Just cut the fruit open and cover it in salt. The salt creates an abrasive texture while the citric acid in the grapefruit will help break down stains. Disinfect your sponges in the microwave. Slightly dampen your sponge, pop it in the microwave for 90 seconds on full power, and you’ll reduce the amount of bacterial contamination on it by up to 99 percent. Freshen up your mattress with baking soda. At least once a month, just vacuum your mattress and apply an ample sprinkling of baking soda to it. Let the baking soda sit for a few hours to absorb any odors, vacuum again.
3 YEAR MAINTENANCE INCLUDED ON ALL NEW 2020 NEW HYUNDAI’S
2020 PALISADE
Available Now! 2020 VENUE
2020 ELANTRA SE
LEASE $ 199 Per Mo. x 36 mos
$2,299 due at lease signing, 10K mi/yr
2020 SONATA SE 2020
LEASE $ 219 Per Mo. x 36 mos
$2,799 due at lease signing, 10K mi/yr
OR RATES AS LOW AS 0 % x72mos
OR RATES AS LOW AS 1.9 % x60mos
2020 TUCSON SE
LEASE $ 199 Per Month x 36 months $2,299 due at lease signing, 10K mi/yr
MONTHS OR RATES AS LOW AS 0 % x72
2020 KONA SEL FWD 202
LEASE $ 219 $2,599 due at lease signing, 10K mi/yr Per Mo. x 36 mos
OR RATES AS LOW AS 0 % x60mos
12925 N. AutoShow Ave. in Surprise RodeoHyundai.com
installed for only $4.75 per sq ft. includes labor & Installation
Artificial Grass helps you save money and conserve water! Artificial Grass is perfect for lawns, putting greens, playgrounds and pools.
insta-Yard $2999 * Includes 250 sq ft of Summer Breeze artificial turf. 250 sq ft of Phoenix Pavers, sand and concrete.
price match guarantee OR WE WILL PAY YOU $50!
Curbing ONly $299 * With purchase of 500 sq. ft. of Phoenix Pavers, sand and concrete.
5 solar screens $499 * With purchase of artificial grass.
Solar Screens 15 year warranty
window screens pavers, Gravel, Travertine Plants, trees, irrigation We also provide complete landscaping services:
602-730-7003 ARTIFICIALGRASSMASTERS.COm
Call for your FREE IN-HOME ESTIMATE TODAY pet & kid friendly Putting Greens Curbing
www.grandseasonfamily.com SHOWROOM NOW OPEN! Artificial Grass Masters 16681 N 84th Ave, Peoria, AZ 85382 Licensed • Bonded • Insured ROC #285231 *Offers expires 3/31/2020
Printed on Recycled Paper Please Recycle POSTMASTER: PLEASE DELIVER BY MARCH 15 PRSRT STD U.S. POSTAGE PAID THE GRAND SEASON
