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August 17 - BEAT THE HEAT Model Train Swap Meet - 9:00 AM-1:00 PM - Liberty Traditional School 3300 N. Lake Valley Rd., Prescott Valley. Annual event, lots of trains, AC, easy parking, handicap accessible. Admission

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PAID ADVERTISEMENT

FINALLY! THE HONEST TRUTH BEHIND THE REVERSE MORTGAGE

by Travis Schultz, Owner and Licensed Mortgage Broker, Smart Mortgage

A

re reverse mortgages not all they’re cracked up to be? Can they truly add the stability you need for financial planning and your retirement, or are they just another way to steal away your home, equity or inheritance? Since the product began back in 1989, local Prescott reverse mortgage expert Travis Schultz at Smart Mortgage says we may be surprised with the honest truth behind the reverse mortgage!

•

•

•

•

•

No mortgage payments for life? – (True) As long as either spouse considers the property as his or her primary home, they can live there for life paying zero mortgage payments.

All applicants must be 62 years old or older – (False) Only one spouse needs to be 62 years old. The other spouse may be younger.

You must own your home outright – (False) You may already have an existing mortgage, which can be refinanced and paid off with a reverse mortgage.

The income or cash I receive is not taxable – (True) Any money you receive, whether monthly, a cash sum or in a home equity line is all nontaxable to do with as you wish.

You must have good credit and income for a reverse mortgage – (False) Since re-

•

•

•

•

verse mortgages do not require a mortgage payment, almost anyone with any type of credit and income may be eligible.

Once into the reverse mortgage you are locked into it, permanently – (False) The reverse mortgage is simply a loan recorded against the property, just like every other mortgage. You retain full ownership, so at any time you can move, sell or refinance the property simply by paying off the mortgage balance.

If I take out a reverse mortgage, I will leave nothing for my family – (False) Reverse mortgages have insurance automatically built in to protect the family.

Most homes continue to increase in value over time, leaving even more equity for family. Even if property values decrease below what is owed, the family can acquire the property for 5% less than market value.

You can only get a reverse mortgage on a one-unit home – (False) Smart Mortgage also allows reverse mortgages on manufactured homes, duplexes, triplexes, fourplexes, townhomes and condos, as long as one unit is considered your primary residence.

My family will be responsible for the debt – (False) The reverse mortgage is a non-recourse loan, so if your value ever

MB-0908151 • NMLS: 168822 LATE SUMMER 2018 • THE EDUCATION EDITION

•

•

falls below what you owe, your family will never have to pay the deficiency.

The government or lender will own my home – (False) The reverse mortgage is simply a lien recorded against the property, just like any other mortgage. The homeowner(s) remains on title and has full ownership. The owner(s) may also add other family members or place the home in a trust, so family automatically has ownership in the property and equity, as well.

You can purchase a home using a reverse mortgage – (True) Smart Mortgage allows you to purchase a primary home and the financed amount has no payments for life.

Inquire Today!

928-445-9499 Info@SmartMortgageAZ.com 1701 N. Emerald Dr. – Suite D. Prescott, AZ 86303

PRE S COT T LI V IN G

7

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GET THE FACTS!

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Should a Reverse Mortgage be a part of your retirement plan?

I Make House Calls! www.isAreverseMortgage4me.com

Mailing address: 4582 Prairie Trail, Prescott, AZ. 86301 The Federal Savings Bank • 8800 N Gainey Ctr Dr, Ste 205• Scottsdale, AZ 85258 • NMLS# 411500 Terms and conditions may vary. Subject to underwriting approval.

14

ROC# 236919

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Maryanne Kelly

Shop to save lives!

LMHC, NCC

*Not to be combined with any other offer.

May not be used on items marked firm.

Expires August 31, 2019

• Organizing • Clutter Clearing • Downsizing • Maintenance • Packing & Unpacking

We can complete the job ourselves, do it along with you, or create a step-by-step plan for you to use.

New Client

SPECIAL FIRST $ 4 HOURS

99

I Organize 4 You

(928) 227-8184 www.IOrganize4You.com

I Organize 4 You

Open: Mon-Sat 9am-5pm 1621 Iron Springs Rd., Prescott 928.445.5668 | YavapaiHumane.org

(928) 227-8184

www.IOrganize4You.com

RAXXQC83119

Garage Door Problems?

We can fix it with the BEST PRICES, the BEST PARTS, and the BEST WARRANTY We guarantee the best price and value a1garage.com/prescott

• Lifetime warranties • Same day warranty calls • Military, AAA, Senior & AARP Discounts • Easy Financing available

ROC #267827

Over 20 years experience

(928) 316-6026

FREE ESTIMATE CALL FOR DETAILS

45

$

$

WE SERVICE ALL MAKES & MODELS! 79

VALUE

TUNE-UP SPECIAL WITH LIFETIME WARRANTY ROLLERS

75 OFF

$

SPRING REPLACEMENT

200 OFF

$

ANY NEW GARAGE DOOR

Not valid with other offers or discounts • Must present this ad • All offers expire 8-31-19

18

To Contact Quad City Smart Shopper Call 928-350-8006

Makeup - Skincare - Jewelry - Designer Handbags More Makeup - Skincare - Jewelry - Designer Handbags && More

Ladies Ladies Night Night Out Free Events • Eat Drink • Mingle • Laugh Out

August23rd 20th&&May September April 22nd 17th Drinks & Appetizers

Instant Cellular Wrinkle Eraser

Instant Cellular Wrinkle Eraser does just that, it erases wrinkles does just that, it erases wrinkles right before your eyes!! rightI couldn’t before your eyes!! believe it until I couldn’t believe it until I saw it for myself.

I saw for myself.

It’sitFree to try!

It’s Free to try!

~40% Off~ ~40%NEW! Off~

April 23rd, 4:30pm-7:30pm

4:30pm - 7:30pm 4:30pm-7:30pm

Drinks&• Appetizers Appetizers • Fun Prizes• Prizes Including: Drinks Stem Including: Cell Syringe Prizes

Non-Surgical Syringe

WorksNEW! like botox, Without the needle!

Raffle with a Grand Basket (Like Prize Botox Gift - Only Better) Non-Surgical Syringe

Stem Cell Syringe

WORTH OVER $500 Gift Basket Valued Over $1000 Works like botox, Without the needle!

(Like Botox - Only Better) For extra raffle Bring tickets a Friend for an Gift Basket Valued RSVP 928-533-6816 • Bring a friend •Over Make a$1000 purchase Extra Raffle Ticket!

Stopininand and see see your disappear!

Stop yourwrinkles wrinkles disappear!

Bring a Friend for an RSVP at 928.533.6816 AVAILABLE Deluxe Facials Time disappear!

Offer!

ExtraNOW: Raffle Ticket!

Stop in and$49 see Limited your wrinkles

at 928.533.6816 122Cortez N.RSVP Cortez Street Prescott 928-533-6816 •www.BellaByLeah.com 122 N. St. Suite Suite 100 •100 Prescott • 928-533-6816 BellaByLeah.com 122 N. Cortez Street Suite 100 Prescott 928-533-6816 www.BellaByLeah.com

in!Chino!Valley 3.6pm @!Olsen’s!Grain in!Prescott 7:30am.12pm!@!Yavapai!College !

Downtown!Prescott!on!August!5!

Coyote!Springs!School!on!September!16! !

We!DOUBLE!SNAP/EBT!up!to!$20!!

928.713.1227!! !!info@prescottfarmersmarket.org!

www.prescottfarmersmarket.org!

Visit Us Online at

AZ-Shopper .com

19

PIZZA

Specialty Pizza or Build Your Own Thin, Hand Tossed, or Pan Pizza Small-Medium-Large-Xtra Large Over 60 cheeses, meats, vegetables and custom toppings to choose from Gluten Free 10”, 12”, 14” Individual Slices

PASTA Spaghetti Penne Rotini Ravioli Tortellini

WINGS

Regular / Boneless / Jumbo 8 flavors to choose from

SALADS

SMALL-MEDIUM-LARGE Garden Greek Caesar Chopped Salad Spinach Wedge Antipasta

CALZONES

Mini / Traditional / Jumbo Sizes include cheese and sauce and can add any pizza topping

ALSO AVAILABLE Kids Menu Dessert Local beer, wine & spirits

SUBS

15 to choose from

221 N Cortez St. Prescott, AZ 86301 (928) 443-9455 Order Online @ twomamaspizza.com

Dine-in • Carry-out Delivery • Catering

Wags 2 Whiskers PE T GROOMI NG • DOGS & CAT S

Senior Discount Every Tuesday!

By Appointment Walk-ins Welcome

10% OFF

ANY GROOMING SERVICE New Clients First Visit Only.

Expires 8-31-19

INSIDE C-A-L RANCH STORE

1048 Willow Creek Road • Prescott, AZ • 928-277-1411

QUALITY IS AFFORDABLE!

EARTEE Y 5 AN AR GU

100% TWO PART SOLVENT BASE EPOXY AVAILABLE IN 32 CUSTOM COLORS OIL,GASOLINE,ANTIFREEZE RESISTANT SPECIALIZING IN ACID STAINED CONCRETE

2-CAR GARAGE SPECIAL $869.00 INCLUDING MATERIAL Blazeland Enterprises LLC DBA:

LICENSED - BONDED - ROC 284378 20

CUSTOM GARAGE FLOOR (928) 554-5989 WWW.CUSTOMGARAGEFLOOR.NET

To Contact Quad City Smart Shopper Call 928-350-8006

TIRED OF PAYING CABLE & SATELLITE BILLS? Receive FREE HD Channels With A Digital Antenna!

Call Us Today For

A FREE

Evaluation!

(928) 445-8442

1450 West Gurley Street, Prescott, AZ 86305 www.arizonatvworx.com

Not A Licensed Contractor

Beautiful, unique Stackables Mix it up!

Prescott ’s Premier Jeweler Expires 9/15/19

928.445.6120

110 W. Gurley St. | Prescott, AZ 86301 www.raskinsjewelers.com | raskinsjewelers@cableone.net

Visit Us Online at

AZ-Shopper .com

21

All Natural

CBD OIL & SALVE AT DISCOUNT PRICES Helps Anxiety, Arthritis, Sleep, Inflammation, Pain and Much more.

Organic and Non GMO- Full Spectrum (Made from the Whole Plant)

3rd Party Lab Tested

CBD OIL 1000 mg. - August Special - 3 or more $50 each!

All Natural CBD Healing Salve, 250 mg Was...$69.99 SALE PRICE...$39.99

DOG AND CAT CBD PRODUCTS NOW AVAILABLE

SPECIALS/DISCOUNTS Start your Holiday Shopping Early.

P DIDDY TENNIS SHOES REG $59.99 A PAIR

NOW

10.00

$

DOLLAR BLOW OUT TABLE

1.00 EACH OR 6 ITEMS FOR $ 5.00 $

A PAIR

OVER 50 DIFFERENT ITEMS TO CHOOSE FROM

ASSORTED VITAMIN SUPPLEMENTS

BEVERLY HILLS SKIN REJUVENATING FACE SERUM & SKIN CREAM

BUY 1 GET 1 FREE

REG $159.98 SET

NOW

17.99 PER SET

$

(WHILE SUPPLIES LAST) Organic

EMU OIL AUSTRALIAN, ULTRA CLEAR, 100% PURE, TRIPLE REFINED, FAST ABSORBING

BUY ONE - GET ONE FREE*

EMU OIL ONLY See Website for EMU prices.

EMU OIL Australian, Ultra Clear, 100% Pure, Triple Refined, Fast Absorbing.

OUR EMU OIL BENEFITS THE FOLLOWING: Arthritis • Back/Neck Pain • Aging Skin & Wrinkles • Carpal Tunnel • Psoriasis • Fibromyalgia • RLS • Eczema • Gout • Inflammation • Joint Pain • Neuropathy • Rosacea • Scars • Sore Muscles and Much More!

4 oz. - 32 oz.

100’s OF OTHER BARGAINS!

Candy, Assorted Metal Signs w/ Sayings, Cover Girl Cosmetics, Hot Wheels, Amethyst, Coins, Lavender Soap and Much, Much More!

Open Thursday, Friday, Saturday and Sunday’s

“ADDICTED TO DEALS” LLC

Visit our store inside The Prescott Gateway Mall or OnLine ordering available.

Open: Thursday thru Sunday • On the corner next to the Food Court AddictedToDeals@AOL.com • AddictedToDeals.com Call Monte or Ann 928-642-7543

YOUR AD CAN BE

DECKS CEDAR SIDING FENCES

HERE

Over 20 Years Experience with Results!

ADVANTAGE WEALTH BENEFIT & RETIREMENT SERVICES LLC

YOUR SOLUTION FOR OUTDOOR WOOD MAINTENANCE

List of Services:

AS LOW AS $99

PER MONTH! For $ details: 928.350.8006 A Complete Deck Refinishingor Project Coupon must be presented at time of estimate.

Expires 11/1/19. info@roxco.com

250 OFF

928-776-1767

Retirement Planning IRA Rollovers Roth IRA Roth Conversions Stocks and Bonds* Mutual Funds* Life Insurance Guaranteed Income Products** Health Insurance Home and Auto Insurance Estate Planning Insurance Federal and State Employee Benefit Assistance

Professional Deck refinishing • Unique stripping process • Unique refinishing process

Preventative Maintenance • Wood Restoration • Scheduled Upkeep

ROC211649 LICENSED AND BONDED ANNUAL FALL NAVAJO RUG & INDIAN ART

AUCTION SEPT. 13th

Your Local Director Christine McCafferty 136 Grove Ave Prescott, AZ 86301

Securities and investment advisory services offered through Brokers International Financial Services, LLC. Member SIPC. Brokers International Financial Services, LLC does not provide tax or legal advice and is not an affiliated company. * Before investing please consider your investment objectives and risk tolerance and how they correspond to the expenses, charges, and risks (including the possible loss of principal) of the product you are purchasing. **Guarantees provided are based on the claims paying ability of the issuing company.

5PM - PREVIEW 6PM - ART AUCTION

928.925.1473 |

advantagebenefitsandretirement.com

SEPT. 14th

9AM - PREVIEW 12PM - AUCTION Consignments will be accepted at Ogg’s Hogan - 111 N. Cortez St.

AUG. 28-30, 10AM - 1PM

147 N. Arizona Ave. | Prescott, AZ

928-445-1230 | www.smokimuseum.org

Carpet, Upholstery, Tile, Grout, Sealing

25 OFF $35 OFF $45 OFF

$

Total Services over $175

Total Services over $225

Total Services over $300

Must present coupon at time of service.

Not valid with other coupons or offers.

Minimum charges apply $69.95. One discount per person. Limited time only.

Coupon offers apply only to residential services. Exp 8/31/2019

Must present coupon at time of service.

Not valid with other coupons or offers.

Minimum charges apply $69.95. One discount per person. Limited time only.

Coupon offers apply only to residential services. Exp 8/31/2019

Must present coupon at time of service.

Not valid with other coupons or offers.

Minimum charges apply $69.95. One discount per person. Limited time only.

Coupon offers apply only to residential services. Exp 8/31/2019

CALL FOR FREE ESTIMATE Gilbert & Son Chem Dry 928-772-1730

Building Your Northern Building Northern Arizona Arizona Outdoor Living Space Outdoor Space Outdoor Living Living Design Design •• Outdoor • Decor, Lighting • Decor, Lighting Furnishings &&Furnishings • Outdoor Kitchens • Outdoor Kitchens • Water and Fire Features Features • Water and Fire “Let us put our professional expe“Let us in put our professional experience landscaping and design rience in for landscaping design to work you. Fromand concept and toplanning work fordown you. to From concept and the final details planning down to thetofinal details and decor, we work realize your and decor, we work your vision fortoa realize beautiful vision for a beautiful and sustainable outdoor and sustainable outdoor living space!” living space!”

—Jessica & Taleb —Jessica owners & Taleb owners

All-Bright Chem Dry 928-775-3100 ROC# 323123 ROC# 323123

Independently Owned & Operated/Service Yavapai County

Visit Us Online at

•• •• •• •• • • • • • • • •

Pavers Pavers && Natural NaturalStone Stone Retaining & Masonry Retaining & MasonryWalls Walls FireWise FireWise HOA HOA && Commercial Commercial Landscape Landscape Management Management Bio-Feed Systems Bio-Feed Systems Maintenance & Clean-Ups Maintenance & Clean-Ups Irrigation Install & Repairs Irrigation Install & Repairs Sod & Artificial Turf Sod & Artificial Turf

Call today for a FREE landscape Call today forconsultation! a FREE landscape service service consultation!

928-379-6479 928-379-6479

ISA Certified Arborist License # WE-12551A

B L U E R AV E N L A N D S C A P E . C O M B L U E R AV E N L A N D S C A P E . C O M

AZ-Shopper .com

23

Let In The FRESH Mountain Air! Local to Prescott Since 2004 25 OFF SINGLE DOORS 50 OFF DOUBLE DOORS

$ $

Regular Priced Doors

Exp. 8/31/19 (Cannot be combined)

(928) 533-3336 ABretractable.com

DC Solutions LLC, dba Arizona Breeze Retractable • ROC#219412

Your seat is reserved.

Through Aug 24

Walk-up Tournaments 3pm-7pm, Sundays & Wednesdays Winner goes to Las Vegas on us to vie for $1,000,000 prize!

cliffcastlecasinohotel.com 800.381.7568 | I-17, Exit 289 · Camp Verde

24

To Contact Quad City Smart Shopper Call 928-350-8006

Amazing Summer Savings for Everyone!

REFLEXOLOGY foot spa (928)499-9459

9-8 Mon-Sat • 11-6 Sun

AmazingFootSpaAz.com

Feet & Hands Relaxing Reflexology 3196 Willow Creek Rd. (Fry’s Shopping Center)

Prescott

$

5 OFF

SINGLES 30-60 OR 90 MIN

Regular Price: $25 for 30 min $30 for 45 min $35 for 60 min $50 for 90 min

7762 Florentine

(Next to CarQuest Auto Parts)

Prescott Valley

10 OFF

$

$10 OFF $ OF 50

Not redeemable for cash, license or gift card. One certificate per customer per day. Must present at time of sale. Cannot be combined with any other discount.

EXP. 12/31/19

COUPLES 30-60 OR 90 MIN

Appt. suggested. Can not be combined.

Expires 08/31/19

Appt. suggested. Can not be combined.

Expires 08/31/19

Amazing Foot Spa 928-499-9459

Amazing Foot Spa 928-499-9459

Experience Matters Put your Trust in Our Hands.

Free Trust & Estate Consultation

* Living Trusts - Call for a Free Brochure!

Personal and Professional Service

* Wills * Living Wills * Property Deeds * Beneficiary Deeds

Michael Menlove ATTORNEY

* Powers of Attorney * LLCs & CORPs * Business Law * Probate

Menlove Law PLLC

3075 N. Windsong Dr., Ste. B1, Prescott Valley

Call for an appointment 928-772-5494 • Visit us at MENLOVELAW.COM Visit Us Online at

AZ-Shopper .com

25

Tree care and services with our certified arborist

W

e are a full-service landscaping company located in beautiful Prescott, Arizona. Call Zebrascapes Landscaping and Services

for your most critical tree care. Our team recently added an ISA® Certified Arborist with over 20 years of experience, one of the very few arborists in Northern Arizona.

In addition to being ISA® Certified, our arborist went through extensive training programs to gain knowledge in the use of Mauget™ Micro-Injection. We take time to make your trees look beautiful with plant health care always in mind.

PLANT HEALTH CARE | PRUNING & TRIMMING | TREE & STUMP REMOVAL | NUTRITIONIST | INJECTION | DEEP ROOT FEEDING If you are active duty military or a veteran, please ask us for discounts. Call

928.830.4061 • www.zebrascapes.com

WEST VALLEY GARAGE CABINETS

“YOU DREAM, WE BUILD”

623-455-9612 wvcabinets@gmail.com www.wvcabinets.com 13365 West Foxfire Drive Surprise, AZ 85378

*Mention this Ad for additional discounts

Licensed Bonded Insured ROC 322174

Paradise awaits

FREE ESTIMATES!

STEAM EXTRACTION CLE

ANING

Book your next adventure today!

928-899-7033 • 928-899-7041 Upholstery Cleaning 3 ROOMS AND starting at A HALLWAY FOR

$35 Expires 8/31/2019

OR

119

$

*

* 300 Sq. Ft. • Expires 8/31/2019

We specialize in Tile, Grout, Upholstry Cleaning and Stain Removal.

Tori Ward

928 254-9968 Tori@roxtravel.com Visit Us Online at

AZ-Shopper .com

27

PRSRT STD US POSTAGE PAID Denver, CO PERMIT NO. 5377

ECRWSS Local Postal Patron

info@raxxdirect.com

For Advertising Info:

928-350-8006

Fly-U Shuttle is a locally owned and operated premier shuttle service, that was founded to address the growing needs in Prescott and the rest of Northern Arizona for an executive transport and tour service. Recognizing the demand for a premier shuttle service from the local community, you can now ride in style in our executive vans.

Locally owned and Operated.

Under New Ownership.

CHARTERS • WEDDINGS • SPECIAL EVENTS • GROUPS • One way and Round trips to Sky Harbor Airport • Seasonal Tours to Grand Canyon and Sedona

• Inquire about our Charters to Mexico.

• Home Pick up and Pick up locations around the Quad City area.

928-445-8880

3250 GATEWAY BLVD. #1032, PRESCOTT. (GATEWAY MALL)

MAKE YOUR RESERVATIONS ONLINE AT WWW.FLYUSHUTTLE.COM