Lovin' Life After 50 Business Showcase - January by Times Media Group

Business Showcase A spotlight on local businesses that can help you live your best life after 50

January 2021

Key to Happiness

Captioned telephones keep friends, family connected

Safe and Aﬀordable

VJuv helps with men’s and women’s well-being

Rolling the Dice

Hon-Dah is a casino high abovel the others

Who created reverse mortgages in the US? BY SHELLEY GIORDANO Excerpt from What’s the Deal with Reverse Mortgages?, 2nd Edition Rethink Press, 2019 Some people have heard that a reverse mortgage is a scheme or a scam perpetrated on helpless seniors. Others may consider a reverse mortgage a welfare handout. Many are surprised to learn that the 100th U.S. Congress initiated the modern reverse mortgage with the 1987 Housing and Community Development Act and that it was signed by President Ronald Reagan in February 1988. The U.S. Congress tasked the Federal Housing Authority (FHA) with designing a reverse mortgage that protected the elderly but would encourage lending in the private sector as well. In December of 1988, the Department of Housing and Urban Development (HUD) published a notice asking potential mortgage lenders to participate in a demonstration program that “will insure up to 2,500 reverse mortgages on the homes of elderly homeowners, enabling them to turn their equity into cash.” Under the HECM Insurance Demonstration, the modern reverse mortgage was born. In this way, the FHA solved the problem of protecting both the homeowner and the lender. It modified the existing FHA insurance program to fit reverse lending. Understanding how the FHA operates in traditional lending provides a helpful comparison. Created in 1934, as part of the National Housing Act, the FHA provides mortgage insurance on loans made by FHA-approved lenders throughout the United States and its territories. The FHA insures mortgages on single-family and multi-family homes, including manufactured homes and hospitals. It is the largest insurer of mortgages in the world, insuring over 34 million properties since its inception. In 1965 the FHA became a part of HUD. At the height of the Depression, Congress and President Franklin Roosevelt created an incentive for lenders to provide financing for certain higher-risk borrow-

ers by protecting the lenders from loss. FHA insurance premiums were assessed on these loans and provided the funds to insure against loss. In traditional FHA loans, homeowners pay upfront and monthly insurance premiums that provide lenders with protection against losses should the homeowner default. The FHA lenders bear less risk because the FHA will pay a claim to the lender in the event of a homeowner’s default. To qualify for insurance protection these loans must meet specific requirements established by the FHA.1 As we know, insurance is predicated on the participation of the many to cover the losses of the few. In other words, the participants pool funds (via paying premiums). These funds in turn transfer risk to the insurance entity. Ingeniously, the new reverse mortgage, the HECM, adopted the FHA insurance concept but tinkered with it in the following ways in order to adapt to reverse mortgage needs: 1. Insurance premiums are not paid monthly but are added to the loan balance. 2. The homeowner/estate is released from liability should the loan balance exceed the home value. 3. If the home value does not cover the loan balance, the lender is protected by the FHA.

As you can see, the FHA solved the problem. The resulting HECM, which includes FHA insurance, is designed to encourage lenders to finance cash disbursals, but should circumstances not go as anticipated, the lenders cannot lose on the money they have financed. Additionally, the HECM protects the homeowner (and his or her estate) from loss should the homeowner live so long that the loan balance grows beyond the home value. The consumer safeguards are substantial and are becoming progressively better both for the individual borrower and the taxpayer. Unfortunately, these HECM consumer safeguards seem to elude the financial press and many of the financial advisers on whom many Americans rely for accurate information on their retirement options. Even with HUD’s continued efforts to refine the program, over time program weaknesses emerged. Especially during the housing bubble years, the HECM was used to bail out hopeless situations. Some people took reverse mortgages but did not take seriously the requirement that they keep up to date on tax and insurance obligations. In other cases, a number of younger spouses not on title were displaced when the borrower died. And finally, some borrowers used the HECM irresponsibly by drawing down their entire initial credit limits at closing, leaving no cushion for falling home values. These were serious problems and jeopardized the program and its reputation. In response, the 113th Congress passed the Reverse Mortgage Stabilization Act of 2013. It was enacted in order to protect not only the non-borrowing spouses but to restore financial health to the FHA Mutual Mortgage In-

surance Fund. Over the years, the HECM program has been self-sustaining; the insurance pool was never intended to be a taxpayer bailout. When the housing bubble collapsed, however, the fund’s solvency was in jeopardy. HUD responded by changing lending standards, and the HECM, in particular, was altered significantly. As a result, the fund’s economic strength is improving.2 Financial assessments are now a basis for HECM loan approval. To counteract the effects of potential tax and insurance defaults, there are formulas to set aside equity to assure that tax and insurance costs are paid. These set-asides are required for those who cannot establish willingness and capacity to meet these basic housing obligations. To bolster program safety, limits have been placed on how much equity can be drawn early in the loan. Finally, a non-borrowing spouse (NBS) status was created to allow a younger spouse not old enough to borrow (62 years old is the minimum borrowing age) to remain in the home if the actual borrower dies. So rather than being a fraudulent scheme designed to fleece seniors, the modern reverse mortgage, aka the HECM, is a program put in place by the government of the United States. As FHA Commissioner Brian Montgomery is fond of saying, the HECM is the “law of the land.” Admittedly the HECM was not perfect at inception. But like many financial products, the program has evolved. HUD continues to fine-tune the program to provide better consumer safety as well as improved risk management for the insurance pool. A reverse mortgage is neither bad nor good in and of itself. Its value lies in how the borrower uses it. Notes: 1 These requirements are listed on the HUD website: http://portal.hud.gov/hudportal/HUD?src=/ program_offices/housing/fhahistory. 2 www.reversereview.com/nrmla-news/ nrmla-news-25.html.

Call 623-202-9540 to learn more today! Not intended as tax advice. Consult a tax specialist. Mutual of Omaha Mortgage, Inc. NMLS 1025894. 3131 Camino Del Rio N 1100, Sn Diego CA 92108. Arizona Mortgage Banker License 0926603. These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency. Subject to credit approval. For licensing information, go to: www.nmlsconsumeraccess,org #611673554 Equal Housing Lender.

Business Showcase | JANUARY 2021

www.LovinLife.com

JANUARY 2021 | Business Showcase

Key to Happiness

Captioned telephone keeps family, friends connected despite hearing loss BY CAPTEL

call me, I can see everything that they say.” Rizzi isn’t the only one who benefits from the change. “My children are overjoyed. And so are my grandchildren,” she explains. “We talk more often now than we ever could before.” Like so many people with hearing loss, Rizzi used to rely on others when she needed to make a phone call. “It’s made me be independent, and I think that’s what everyone wants. To be independent,” Rizzi continues. Best of all, people with hearing loss can qualify to get a CapTel phone at no cost with a certification from their audiologist or doctor. The captioning service is paid for under terms of the ADA, established to help people with hearing loss use the telephone. “Being able to make my own tele-

When you can’t hear over the phone, it’s easy to feel isolated or cut off from friends and family. Especially in these times of social distancing, staying connected by phone is more important than ever. That’s where a Captioned Telephone, or “CapTel” for short, makes a big difference. CapTel works like any other phone, but it also shows captions of everything your caller says, similar to closed captions you see on TV. If you can’t hear what your caller says, just read the captions. For people who have difficulty hearing over the phone, CapTel is a godsend. It lets people enjoy phone conversations again, knowing they will catch every word. “When I first got CapTel, I was just calling all over to talk to people I hadn’t been able to talk to before,” explains CapTel user Helen Rizzi. “Now when they

phone calls is really one of the biggest gifts I was ever given,” Rizzi says. “I will be forever grateful for it.” There are several phone models to choose from. Certification forms are available online and can be filled out remotely. Free installation support is available, as well as contact-free delivery. All

CapTel phones are proudly assembled in the United States. If you or someone you know is living with hearing loss, a CapTel captioned telephone can make a world of difference. To learn more, call or text Ron Dreyfus at 224-261-4817 or email ron. dreyfus@oeius.org.

Can’t Hear on the Phone? Get a CapTel Captioned Telephone at No-Cost to You!

The CapTel® Captioned Telephone shows word-for-word captions of everything a caller says, letting you read anything you cannot hear over the phone. CapTel is a NO-COST, federally funded technology available under the Americans with Disabilities Act. To qualify, users need: • Hearing loss • Internet connection • A dial tone Ron Dreyfus, your local Outreach Educator, works within our community to help people with hearing loss get a phone at no cost. 224-261-4817 CapTel.com

Ron Dreyfus, 224-261-4817 ron.dreyfus@oeius.org

REQUIREMENTS: Hearing Loss, High Speed Internet, Dial-tone No-Cost Phone with valid third-party certification is subject to change without notice. Terms and conditions may apply. FEDERAL LAW PROHIBITS ANYONE BUT REGISTERED USERS WITH HEARING LOSS FROM USING INTERNET PROTOCOL (IP) CAPTIONED TELEPHONES WITH THE CAPTIONS TURNED ON. IP Captioned Telephone Service may use a live operator. The operator generates captions of what the other party to the call says. These captions are then sent to your phone. There is a cost for each minute of captions generated, paid from a federally administered fund. No cost is passed on to the CapTel user for using the service. CapTel captioning service is intended exclusively for individuals with hearing loss. CapTel® is a registered trademark of Ultratec, Inc. The Bluetooth® word mark and logos are registered trademarks owned by Bluetooth SIG, Inc. and any use of such marks by Ultratec, Inc. is under license. (v1.6 10-19)

Business Showcase | JANUARY 2021

www.LovinLife.com

Hon-Dah is a casino high above the others BY HON-DAH RESORT CASINO AND CONFERENCE CENTER Hon-Dah Casino opened its doors in 1993 and later expanded its facility to become the Hon-Dah Resort Casino and Conference Center in December 1997. Nestled in the heart of the majestic White Mountains on the Fort Apache Indian Reservation, the casino is high above the others. The sky’s the limit at 7,300 feet. The casino floor has well over 700 state-of-the-art slot machines, plus live poker and blackjack to enjoy. Also located inside the casino is The Indian Pine Restaurant and Dream Catcher Grill to grab a hot meal. Enjoy its largest RV park with more than 500 spaces with year-round space for 108 in the winter. Guests can relax in one of Hon-Dah Pines Hotel’s 128 oversized rooms or relax next to the hotel lobby’s fireplace. While driving on State Route 260, stop by and gas up at Hon-Dah Convenience

ASK US HOW TO GET THE

Store or stop by and grab a cold refreshing beverage. Adjacent to the casino is the Hon-Dah Ski and Outdoor Sports Center, which has outdoor supplies, plus reservation fishing, hunting and camping permits. As a reminder, face coverings/masks and temperature checks via thermal imaging cameras are mandatory upon entering. Also, there is no smoking on casino floors. Hon-Dah Casino has sanitation stations throughout the casino floor along with dedicated machine cleaning crew.

MASK

Required upon Entering

AMAZING iPHONE® 11 FOR $0 WHEN YOU SWITCH TO AT&T

Hon-Dah Resort Casino and Conference Center

777 State Route 260 Pinetop 1-800-929-8744 (1-800-WAY-UP-HI) hon-dah.com

secivreS hceT

hcet wolS gniwols ruoy nwod ?ssenisub

Find out how to get our most popular phones, call now!

Computer running slow? Bring in your computer for a FREE Computer Diagnostic

855-401-1184

Copy & Print Department From Copies to Yard Signs and everything in between.

Ink & Toner Cartridge Recycling Get $2 back in rewards when you recycle your ink & toner cartridges. Up to 10 cartridges per month

Rewards Members Sign up today and receive 2% back in rewards on your favorite supplies, furntiure, technology & more.

777 Highway 260 Pinetop, AZ 85935 800.WAY.UP.HI www.hon-dah.com (3 miles south of Pinetop)

G E T

Visit us at one of our 16 Phoenix locations

M O R E D O N E

www.LovinLife.com

or online at www.officedepot.com

© 2020 AT&T Intellectual Property. All rights reserved. AT&T and the Globe logo are registered trademarks of AT&T Intellectual Property. All other marks are the property of their respective owners. JANUARY 2021 | Business Showcase

PIP PIP hurray! BY STEVE HELLER Vice President and Director, ZoeLife Operations

Glencroft Center for Modern Aging and The Warren Schutte Golf Academy at The Wigwam Resort have partnered to create a one-of-a-kind Parkinson’s golf program. Glencroft Center for Modern Aging is

excited to announce that its nationally recognized Parkinson’s Immersion Program (PIP) has a golf division, PIP Golf. This one-of-a-kind golf program is due in part to the partnership that Glencroft secured with the Warren Schutte Golf Academy at The Wigwam Resort. In addition to this partnership, the center is

Glencroft Center for Modern Aging is excited to announce that its nationally recognized Parkinson’s Immersion Program (PIP) has a golf division, PIP Golf. (Submitted photo)

Business Showcase | JANUARY 2021

excited to announce that PIP and PIP Golf are available to non-Glencroft residents, including local residents and the infamous winter visitors who will return to the Valley this winter. That’s right, even those who do not live at Glencroft can experience what Golf Magazine calls “a game-changer for golfers with Parkinson’s disease.” The exclusive PIP Golf program is dedicated to providing the very best in golf-specific Parkinson’s training. The center encourages anyone who has Parkinson’s disease and has a desire to keep playing golf or pick it back up to take advantage of this opportunity. If you are looking for a program that will once again inspire you to play the game, have more fun with the game, and even improve your game, PIP Golf is your answer. Glencroft’s team of golf-specific exercise physiologists; PGA-certified golf instructors; nutritionists; and physical, occupational and speech therapists collaborate to make a customized plan tailored for you.

Each week, participants of PIP Golf are immersed in a customized golf-specific program that works on the following: • Functional movement. • Balance. • Strength and flexibility. • Coordination. • Posture. • Conditioning. • Kinematic golf swing mechanics. • Nutrition. • Speech therapy. • Fall prevention strategies. • Virtual reality golf simulator. • Golf Instruction with Warren Schutte Golf Academy at The Wigwam Resort. • Access to Glencroft’s elite therapy team of physical therapists, naturopathic physicians, chiropractors, audiologists, podiatrists and massage therapists. Customized packages, including the overnight “Stay and Play” packages, are available for purchase. For more information, or to purchase a package, call Steve Heller: 623-847-3120 or visit glencroft.com.

www.LovinLife.com

AS SEEN IN

Golf Mag azine, Forbes, New Yor k Times, If Parkinson’s has dealt you a double Golf Wee k bogey, the ZoeLife Parkinson’s Immersion Program can get you back in the game both on and off the course!!

623-847-3103 | glencroft.com www.LovinLife.com

JANUARY 2021 | Business Showcase

Gasser Dental is changing lives one smile at a time BY GASSER DENTAL Dr. Kevin Gasser and his team are committed to creating life transformations for their patients by utilitizing patient-specific dental implant solutions and by delivering the best combination of quality, experience, comfort, care and price. First and foremost, Gasser is willing to listen to his patients’ needs, concerns and goals for their dental health. In his practice, there are no handoffs to other doctors or other facilities. He personally takes care of all patients

from initial diagnosis to end-of-treatment follow-up care. Gasser Dental focuses on accelerated treatment plans that are time efficient yet respect science and nature. They follow a specific protocol to obtain the best possible results in the shortest time for each patient’s specific case. Experiences are different at Gasser Dental. From the time you walk into the office, you’ll see the staff is friendly and caring. You’ll feel like part of their family. Because they are passionate about what they do, they are offering each new patient a free, no-obligation exam and free iCat exam to all who want to investigate a new smile option. Everyone deserves a great smile. If you are interested in contacting Gasser Dental, call 623-9728217 to make an appointment. The appointment is free, and you will gain valuable information on your current dental status.

Ditch the Dentures! Dental implants are the modern solution to an age old problem. At Gasser Dental we offer the best combination of experience, quality materials, expectional care, and service. Dr Gasser has been a leader in the implant field for over 30 years!

Are you challenged with: • Messy Adhesives • Sore Spots • Embarrasing Moments • Unnatural Look • Unable to Eat Favorite Foods • Bad Mouth Odor

IMPLANTS TO THE RESCUE!

• Gain Back Your Confidence • Eat Healthier • Taste Again • Low Maintence • Smile More

Call today to schedule your FREE CONSULTATION and FREE ICAT SCAN with Dr. Kevin Gasser himself. Mention this ad to qualify for special “Lovin’ Life “discounts!

623-972-8217 opt. 1

•

www.drgasser.com

17220 N. Boswell Blvd. Ste 200w, Sun City AZ 85373 Gasser Dental is a full service dentist serving all your dental needs. 8

Business Showcase | JANUARY 2021

www.LovinLife.com

Whatʼs the real value of hearing aids?

BETTER LEG HEALTH PROTECTING YOUR VEINS for HEALTHIER LIVING!

“Did your new hearing aids cost much?” inquired a friend. “Well,” said the new hearing aid user as she drew a deep breath.” my hearing loss cost me three friendships that I know of, a strained relationship with my husband, two grandchildren who think I donʼt understand them, boredom at church, and lost interest in attending get-togethers.”

At Veincare of Arizona we intend to provide healthcare that improves the quality of our patient’s lives. For over 15 years, we have built our vein practice with our patients’ health and comfort in mind. Our entire team is committed to reducing the pain, discomfort and cosmetic issues associated with a number of venous conditions. We have modern treatments designed to be as painless and effective as possible. Get personal treatment and real answers to your medical questions from a board certiﬁed surgeon with an amazing team of experts.

Accepting NEW Patients! Call Now for a FREE screening.

After a reﬂective pause, she added: “Sure I invested some money to get these hearing aids... but it doesnʼt compare with what it cost before I got them.”

480-456-0176 www.fynesaudiology.com 2058 S Dobson Rd #9, Mesa, AZ 85202 www.LovinLife.com

13629 W Camino del Sol Sun City West, Arizona

(623) 584-7874

www.veincarearizona.com JANUARY 2021 | Business Showcase

Ranch puts health and wellness ﬁrst BY MY FATHER’S RETIREMENT RANCH My Father’s Retirement Ranch is and always has been very proactive when it comes to seniors’ health and wellness. We understand how vulnerable men and women in this age bracket can be. Our staff undergoes regular training to stay on top of the latest information and methods that will benefit each of our senior care residents. The ranch takes this responsibility very seriously. There is much in life we take for granted, and some of this is diminished in the golden years. It matters that knowledgeable staff is on-site offering assistance with daily tasks, including hygiene. Medication management is often one of the most seriously neglected areas in a senior’s life. An incorrect dosage can become a huge negative factor in the health and wellness of a senior’s life. It’s OK to need help, guidance and assistance. It’s not OK to refuse or ignore the assistance you need. Life can be better, even with challenges! Seniors’ health and wellness is a priority for everyone at the ranch. The staff includes a full-time activities

director, as we believe in well-rounded programs to benefit mind and body. Taking advantage of Arizona’s wonderful weather, fresh air and sunshine, the sweeping green lawns are perfect for outdoor walks and activities. A favorite pastime is the daily trips to visit Sedona with a handful of carrots and apples. Her four alpaca friends often accompany her. On the way to the pasture are horseshoes, picnic tables and the clubhouse, where activities, games and events are happening. The heated pool and spa are busy spring, summer and fall with fun and exercise. Just past the pasture is the resident vegetable garden that is a delight to the gardeners and kitchen staff alike. There are adult tricycles for residents to ride throughout the property. There are

physical therapy and exercise rooms conveniently placed for residents’ use while working with licensed therapists and caregivers. The management team encourages daily practice of planned routines emphasizing fall prevention and balance. A partnership with the staff from Snap Fitness is an ongoing, extremely beneficial program for our residents. In addition, delicious, balanced meals are an import-

ant aspect of daily life at the ranch. We strive to include individual likes and dislikes as well as physician-ordered dietary plans. What will you do when you cannot do what you are doing now? It is important to be where you need to be, before you need to be there. It’s wonderful to feel safe and secure, to know where any needed help will come from, to know that friends and professional help are nearby. It’s amazingly comforting to have a call button within your reach that brings someone you know and trust. These considerations are significant in seniors’ lives. We have many programs in place to help seniors achieve their full potential. It is prudent to make plans now while you still have viable options, so why wait? Make your health and wellness an important goal.

For 42 years, MY FATHER’S RETIREMENT RANCH has been meeting and exceeding the expectations of Seniors as a perfect place to Retire and experience Resort Living! WE WELCOME YOU TO ENJOY:

• Beautiful and Luxurious Ranchita and Casita Accommodations • Welcoming Clubhouse with Heated Pool & Spa, Exercise and Physical Therapy Rooms, Sweeping Green Lawns, Bikes to Ride & Trails to Walk • Fabulous Fun and Friendships • Twice Daily Chef Prepared Meals • Weekly Housekeeping • Dynamic Activities Director who Oversees Well-Rounded Programs that are especially Designed to Benefit Body & Mind • Professional Help is Right Here so You Feel Safe and Secure with the Comfort of a Call Button within your Reach Bringing Someone You Know and Trust! • The Ranch is a Wonderful, Comfortable, Joyful and Happy Place to call “Home!”

(928)684-5925 • 400 N Jefferson St. Wickenburg, AZ 85390 • myfathersretirementranch.com • info@myfathersretirementranch.com 10

Business Showcase | JANUARY 2021

www.LovinLife.com

Attorney Kathleen Nielsen brings a wealth of experience BY LOVIN’ LIFE AFTER 50 STAFF Kathleen Nielsen established her law office in the East Valley more than 30 years ago in 1989. She’s been a resident of Ahwatukee since 1981, when it was a small town similar to her Indiana hometown. She graduated salutatorian from her Indiana high school and attended ASU on a scholarship. From there, she went on to the Arizona College of Law, which is now known as the Sandra Day O’Connor College of Law. After earning her degrees, she clerked for the Hon. Joe Contreras, who was serving as the chief judge of the Arizona

Court of Appeals, Division 1 in Phoenix. Now in her own practice, Kathleen A. Nielsen P.C. and her firm specialize in estate planning and family law matters. It is located in the Southwest Business Center on the southeast corner of Rural Road and Lakeshore Drive at 4500 S. Lakeshore Drive, Tempe. She prepares revocable trusts and administers trust estates. She prepares wills and administers probate estates. Most trust and will projects also include living wills, medical power of attorney, mental health care power of attorney and financial power of attorney documents. Additionally, she specializes in the mature divorce and premarital agreements. Nielsen and her husband, Ron, enjoy swimming and hiking and live close enough to South Mountain and the local YMCA. They participate in those activities weekly. Revised December 14 to clarify “Sandra Day O’Connor College of Law”

VJuv is a safe, aﬀordable option for health, well-being BY STEVIE DELUSE Tina French started offering the EMSella Chair after it improved her profound incontinence problems that interfered with her ability to go to work every day. She researched surgeries and pills but didn’t like the side effects and risks associated with those. The BTL EMSella Chair is an FDA-approved, nonsurgical treatment that delivers high-intensity electromagnetic energy to rejuvenate and strengthen the pelvic floor in men and women. It is like doing 11,000 Kegels contractions 500 times stronger than a person can do on their own. The treatment is noninvasive and conducted while fully clothed, simply sitting on the EMSella Chair. The successes French and www.LovinLife.com

others had with EMSella inspired her to team up with Dr. Ernesto Gomez and Betina Ferrara and acquire an EMSculpt and to invite her clients to join her in making over their bodies. The BTL EMSculpt is FDA cleared to strengthen and tone abdominals, buttocks and thighs, arms and calves. It can take a few months for the full results to develop fully, as it takes time for the body to remodel itself as the muscle builds, As the muscle builds, it burns more fat. “While I’m happy to have younger clients for both the EMSella and EMSculpt, as they can help strengthen everyone, I was getting really tired of seeing only youthful people who are already in pretty good shape in the before photos of exercise and fat-loss treatments. I want to show people that EMSculpt can make a difference for a range of middleto older-aged bodies,” French says. Call 480-593-5400 to schedule a free consultation and demonstration; there is no pressure or obligation. Read more and see videos at VJuv.com.

Kathleen A. Nielsen Attorney at Law

Serving Ahwatukee for 30 Years! Trusts • Wills • Probate Living Wills • Medical Power of Attorney Divorce • Premarital

Southwest Business Center

4500 S. Lakeshore Dr. Ste 300 Tempe, AZ 85282 (SE Rural & Lakeshore)

480.730.6469

kathleen@kathleennielsenlaw.com

New Year, New You FULL BODY REJUVENATION THE EASY WAY Eliminate Incontinence & Erectile Dysfunction Increase core strength & tone body muscles

Reduce body fat

STYKU 3D Body Scanning

ACCESS TO OUR PRIVATE GYM

Our non-invasive treatment is a proven alternative to taking medications that may have significant side effects, or undergoing surgery.

Increase your core strength, enhance muscle definition of buttocks, arms, calves & thighs while melting away fat. All the results without all the work.

3013 N 67th Pl. Scottsdale, AZ 85251

VJUV.com | (480) 593-5400 JANUARY 2021 | Business Showcase

The Manor Village at Desert Ridge preserves independence BY LEE SHAPPELL Its luxurious appointments are impossible to miss from the moment you set foot on the property. But it’s what is beyond the beauty that the eye can behold—the bones of the community, its operations, its staff and its amenities—that make The Manor Village at Desert Ridge by Statesman USA truly a cut above in senior living. For starters, Statesman designed, built and operates the community itself. It does not outsource anything. That is truly unique in senior residential living and contributes to Statesman being able to offer incredible value. “It definitely is not institutional whatsoever,” says Nicolle Blais, chief operating officer at Statesman. “We view The Manors as being special and unique for a variety of reasons. One of them is that we are family owned and operated. Another component is that we are our own developer, complete our own construction and are our own operator. So, from the quality-control perspective we do everything from A to Z. That makes us unique.” The Manor Village of Desert Ridge, serving Scottsdale and North Phoenix from its convenient location on Deer Valley Road between 52nd and 56th streets, will offer 196 independent-living, assisted-living and memory-care suites that feature a variety of floor plans when it opens in spring of 2021. Suites range from 446 to 1,043 square feet. Independent-living suites will be equipped with a full kitchen, stackable washer and dryer, and each suite includes a state-of-the-art emergency call and response system. It is close to the Mayo Clinic and numerous medical offices. Health, safety and happiness are Manor’s top priorities. The Manor focuses on keeping residents and staff safe during COVID by using the following platforms: • Air-purification system: The Plasma Air Filtration system is installed in all suites and common areas to kill dangerous airborne bacteria and viruses including COVID-19. • Surface testing: The Enviral Tech system is used to test surfaces for

Business Showcase | JANUARY 2021

possible contamination of COVID-19. • Screening system: Accushield kiosks allows screening of all employees and visitors via temperature checks and screening questions. • Connectivity platform: The Independa system makes it easy for residents to stay connected with family, friends, other Manor residents and staff right on their TVs and experience the feeling of being together. Blais also touts the Preserving Independence Program, which is designed to keep residents healthy, in turn helping them to live independently. “Living well requires a collaborate effort by the resident, health care experts and our wellness team. We designed our Preserving Independence Program around that framework.” Blais says. There is a wellness department, managed by a wellness director, who is a registered nurse; a wellness coordinator, who is a licensed practical nurse; and the community has LPNs on-site 24 hours a day, seven days a week. The wellness team mobilizes and coordinates with a team of visiting and/or on-site health

experts aimed to preserve the independence of the resident. “We have a visiting physician to offer clinics, podiatry and hearing clinics, sleep expert, and a mobility specialist,” Blais says. “We know that medications impact how we age, so the visiting pharmacy provides an initial consultation for every resident. Additionally, we offer on-site physiotherapy and occupational therapy as part of Preserving Independence Program.” The Manor Village’s slogan, “The Community with Heart,” remains its guiding principle and is reflected in The Manor’s lifestyle amenities, which include the Medallion Dining Room and Outdoor Patio, Apple a Day Bistro & Coffee Shop, Fireside Lounge/Bar, a learning center, fitness center, spa and salon, theater, games room, creative room, stargazing patio, heated pool, tennis/pickleball court and music room. Those amenities complement a strong package of lifestyle services available at The Manor, including social, recreational and cultural activities; personalized and group transportation; housekeeping services; linen services; maintenance

services; a 24-hour emergency-response call system; a keyless door-access system; high-speed Wi-Fi; a fitness program; spiritual/religious services and concierge services. Statesman clearly has raised the bar for senior residential living with The Manor Village at Desert Ridge. “For over 25 years we’ve been able to ask what’s working in our communities. What feedback are we getting? How do we make the next community that much better for our residents?” Blais says. “As a family-owned and -operated company, we really care about designing and building a special community. A big part of that is the team, which is why we care so much about the staff team that we recruit. Our residents value that because the staff are an extension of their family. We enjoy low staff turnover, and that’s a positive reflection on the type of employer we are. “The Manor is a unique opportunity to make a difference in the lives of the people who we serve, and we count ourselves fortunate to have so many wonderful residents call The Manor Villages home.” www.LovinLife.com

EARLY SPRING 2021

The Manor Village At Desert Ridge Senior Living Community Conveniently located in the heart of well-known Desert Ridge, The Manor Village is centrally located and is close to several major retail amenity areas, as well as shopping centers, grocery stores, hospitals, and park areas. The unique Independent Living, Assisted Living and Our Hearts Memory Care Lifestyles provide a wide range of services and amenities where Residents remain as independent as possible. We look forward to welcoming you to The Community with Heart!

The Manor Village at Desert Ridge 5560 E. Deer Valley Drive Phoenix, AZ 85054 | 480.248.3288 | themanorvillageusa.com In our continuing eﬀort to improve our Elegant Senior Housing Communities, The Manor Village Life Centers, Inc. reserves the right to modify the interior and exterior design, speciﬁcations, location, size, design features, services and amenities and pricing without PRIOR notice. This literature is for “marketing purpose” only and no representations of any type are made by this marketing material, which are subject to change without notice. Please consult The Manor Village Life Center Marketing and Lifestyle Marketing Coordinator for further information.

www.LovinLife.com

JANUARY 2021 | Business Showcase

Rachel Stoddard brings experience to private clients BY STODDARD LEGAL SOLUTIONS PLLC Stoddard Legal Solutions PLLC was founded by Rachel Stoddard after a decade-long career in government service. A summa cum laude graduate of Arizona State University, Stoddard went on to become a cum laude graduate of ASU’s Sandra Day O’Connor College of Law. While still a law student, Stoddard headed the Advocacy Program Against Domestic Violence, clerked for judges at the trial and appellate courts, and worked for prominent civil law firms as well as the Maricopa County Attorney’s Office. Stoddard became a deputy county attorney with MCAO shortly after graduation and quickly ascended the ranks until being entrusted with highly complex and sensitive cases involving crimes against children. Because of her written prowess and courtroom skill, Stoddard was selected to be an assistant U.S.

attorney with the U.S. Attorney’s Office in the District of Arizona. As a federal prosecutor, she handled several federal trials and appeals, including successfully arguing before the Ninth Circuit Court of Appeals in San Francisco. She was named the Project Safe Childhood coordinator, a role which required her to lead prosecutions of violent and technology-based crimes involving children as well as liaise with local, tribal, state and federal authorities. Since forming Stoddard Legal Solutions PLLC, Stoddard has extended her legal services to a private clientele. As an estate planning attorney, she strives to provide her clients with peace of mind through compassionate,

high-quality representation. The firm was nominated for Best Law Firm of Ahwatukee in 2019.

STODDARD LEGAL SOLUTIONS

PLLC Providing peace of mind through compassionate estate planning Making the tough decisions now ensures that, should the unthinkable occur, you will be able to control what happens to you and your assets. Getting your plan in order in advance will also save your family from having to struggle with those choices in the future.

• Wills & Trusts • Estate Administration • Business Services RACHEL STODDARD, ESQ. Local Ahwatukee Resident 10+ Years Litigation Experience

The Firm honors those who selflessly serve our community. Ask about our discounts for military, law enforcement, first responders and teachers.

SCHEDULE A FREE INITIAL CONSULTATION 480-210-6444 AHWATUKEE EXECUTIVE OFFICES 5010 E. Warner Rd., Suite 105 • Phoenix, AZ 85044

www.stoddardpllc.com

Business Showcase | JANUARY 2021

www.LovinLife.com

Dementia: The horrible disease of the stolen person

STRONGER TOGETHER

BY LOLITA TRAMEL

My quest is for everyone Those who have been to receive quality care. Actaunted by dementia uncording to the Centers for derstand the struggles and Disease Control and Preventhe difficulty it takes to cope tion, “current training does with this neurodegeneranot adequately prepare tive disease. health care workers to deal I found myself facing with the unique needs of this turmoil when my best individuals living with defriend, my mother, lost her mentia.” memory to Alzheimer’s disAt Hearts for Dementia ease. Coping with her memHome Care, we understand ory loss was devastating. that training is a fundamenChallenged by my own contal component needed to victions, I decided to chanfacilitate the care needs of Lolita Tramel is the founder and nel that pain into a new pas- chief executive officer of Hearts someone living with desion—Hearts for Dementia for Dementia Home Care. mentia. Staff receive on(Photo courtesy Lolita Tramel) Home Care. going clinical support and As the saying goes, “Be the change you training by a certified Alzheimer’s disease want to see in the world.” To date, there are and dementia care trainer and a dualapproximately 150,000 Arizonians who live ly board-certified family and psychiatric with Alzheimer’s dementia. Many of you mental health nurse practitioner. are standing in my shoes faced with this We strive for the very best in dementia exact same dilemma, of a disease robbing care, helping others live their very best life. your loved one of their past and present.

STRONGER TO

gre STRONGER TOG

Apartment Homes for 55+! Now is a for great55+! time to move-in! Apartment Homes Now is a

• Continuum of care campus with onsite home health • Staff available 24/7 • Staff informed and prepared with most up-to-date COVID-19 • information Continuum of care campus

with onsite home health INDEPENDENT LIVING • Staff available 24/7

• Apartment homes disinfected and ready for move-in

All-inclusive monthlywithrates as low as most up-to-date

• Environmental cleaning specialists on-site daily

• Caring neighbors out for one another • Stafflookinformed and prepared

2100

COVID-19 information Call Today for More Information!

•480.345.7171 Apartment homes disinfected and ready for move-in • Environmental cleaning specialists on-site daily Apartment Homes for 55+!

Now is a

Apartment Homes 55+! Now is a g • Caring neighbors look out for onefor another All apartment prices include:

• All utilities Call Today for More • Weekly housekeeping services Information! • Two meals-a-day • Basic cable television 480.345.7171 • Emergency call-system in each • Scheduled transportation apartment • Activities and entertainment

• •Continuum with onsite onsitehome homehealth health Continuumofofcare care campus campus with • •Staff Staffavailable available 24/7 24/7 • •Staff with most mostup-to-date up-to-date Staffinformed informed and and prepared prepared with COVID-19information information COVID-19 Apartmenthomes homes disinfected disinfected and • •Apartment and ready readyfor formove-in move-in Environmental cleaning cleaning specialists specialists on-site • •Environmental on-sitedaily daily AS A CHOICE, WE OFFER CUSTOMIZABLE IN-HOME CARE SERVICES OR SPECIALIZED DEMENTIA CARE to fit every need With our Personal Care Attendant’s, we can provide assistance with daily activities such as bathing, dressing, meal preparation, toileting and transportation.

For inquiries? Please Contact Us 480-720-9038 or info@heartsfordementia.com www.heartsfordementia.com www.LovinLife.com

9375 E Shea Blvd., Suite 100 Scottsdale, AZ 85260

Caringneighbors neighbors look look out out for • •Caring for one one another another

CallToday Today for for More More Information! Call Information!

480.345.7171 480.345.7171

2555 N Price Rd. Chandler, AZ 85224 | 480.345.7171 NorthChandlerPlace.com JANUARY 2021 | Business Showcase

The No. 1 most modiﬁable risk factor of dementia BY AZ BALANCE AND HEARING AIDS Hearing loss impacts more than 48 million people in the United States and is listed by the Department of Health and Human Services as the third most common chronic disorder affecting seniors. Unfortunately, for many, age-related hearing loss is inevitable, impacting nearly 50% of seniors between the ages of 60 and 70, almost 2/3 of people between the age of 70 and 80, and nearly 80% of individuals over the age of 80. Age-related hearing loss is characterized by the progressive loss of receptor (hair) cells in the ear, which consequently reduces the quantity, and quality, of neural connections from the ear to the brain. This slow-onset disease can have a significant impact on several key brain areas, including the memory, hearing, speech and language portions of cognition. Several key research studies have pointed to the potential links of hearing loss and dementia, including the work from Dr. Frank Lin and his colleagues at Johns Hopkins Medical Center that indicate hearing loss can increase the risk of dementia by 200% to 500% (see summary data in Figure 1).

Figure 1: Summary of Data from Lin et. al., 2011 Johns Hopkins Medical Center

Every 3 to 4 seconds, another patient is diagnosed with dementia, a diagnosis that is expected to triple in the next 30 years. Unlike other diseases, dementia patients’ physical body outlives their mental capabilities by 10 or more years. There is no cure for this catastrophic disease, but there are treatments available, including several ways to decrease your risk of developing dementia. Researchers at Johns Hopkins Medical Center and the National Institute on Aging found that individuals with hearing loss (when compared to participants with normal hearing) are at a significantly higher risk of developing dementia over time. The more hearing loss they had, the higher their likelihood of developing the memory-robbing disease.

Business Showcase | JANUARY 2021

“A lot of people ignore hearing loss because it’s such a slow and insidious process as we age,” Lin said. “Even if people feel as if they are not affected, we’re showing that it may well be a more serious problem.” Three risk factors associated with hearing loss and dementia include social isolation, cerebral atrophy and cognitive overload. Social isolation is the impact of reduced social and physical activity. Withdrawal from social situations is common in individuals with hearing loss. Many studies cite feelings of embarrassment, fear of making mistakes in conversations, and feeling like you are not part of the conversation. It is common for individuals with hearing impairment to separate themselves from family, friends and community. This retreat from social activity has even been found in individuals with a mild degree of hearing loss. In addition, individuals with hearing loss are less likely to engage in physical activity. Both increased social isolation and reduced physical activity are strong risk factors for the development of dementia. Active aging is one way to quell social isolation. Active aging is the process of optimizing opportunities for better health, continuing development of knowledge, and increased security to maximize quality of life as you age. The word “active” is used to describe a person’s involvement with social, physical, economic, spiritual and civic affairs. We all share the same goal to maintain autonomy and independence as we age, and thus we must rely on preserving the tenets of interdependence (socialization and reliance on family and loved ones) and intergenerational solidarity (maintaining companionship with age-matched peers) to ensure active aging. Social isolation and depression are major risk factors for the development of dementia, as both increase as we age. Being a lifelong learner and staying active is important to maintain a healthy, active brain and can also reduce your risk of cognitive decline and dementia. Some studies have shown that social activities, larger social networks, and a history of social contact are associated with better cognitive function and reduced risk for cognitive decline. Helen Keller said, “Blindness separates you from things. Deafness separates you from people.”

Hearing loss is not normal, and neither is the excess strain that it puts on your brain. While hearing loss may be more common as we age, it is critical that hearing loss be treated. With hearing loss, the brain is constantly on overload trying to fill in the missing pieces and follow the conversation. Increased cognitive load is considered a risk factor for developing dementia. Cognitive load, as measured by pupillometry, is a measurement of how hard your brain is working to follow a conversation. Recent research has found that individuals who treat their hearing loss do not work as hard to listen (i.e., have a reduced cognitive load) and have as much as a 20% increase in memory recall when following a conversation. In a recent study, Dr. Jamie Desjardins of the University of Texas at El Paso demonstrated that current hearing loss treatment options can improve brain function. It is known that hearing loss, if left untreated, can lead to emotional and social consequences, reduced job performance and diminished quality of life. Recently, research has shown that untreated hearing loss also can interfere with cognitive abilities because so much mental effort is diverted toward understanding speech.

The research was aimed at measuring core cognitive functions that were beginning hearing loss treatment with NeuroTechnology. After only two weeks of hearing loss treatment, cognitive testing revealed a significant increase in percent scores for recalling words in working memory and selective attention tests, and the processing speed at which participants selected the correct response was faster. By the end of the study, participants exhibited significant improvement in their cognitive function. Since 2011, multiple longterm studies have provided strong evidence that treating hearing loss may eliminate the risk of developing dementia. Dr. Lalwani at Columbia University noted

that treating hearing loss “may offer a simple, yet important, way to prevent or slow the development of dementia by keeping adults with hearing loss engaged in conversation and communication.” Aging is inevitable; decline is optional. Call today for an appointment at 602-899-9814. Visit azbalanceandhearing.com

Hearing Loss & Dementia Cerebral atrophy (aka brain shrinkage) The association of a shrinking brain, resulting from the loss of neurons, with dementia has been long documented. Even people with mild cognitive impairment show signs of cerebral atrophy. In recent years, scientific studies using advanced brain imaging techniques (including fMRI, functional magnetic resonance imaging) have demonstrated that hearing impairment is associated with accelerated brain atrophy in the overall brain, as well as even more advanced reductions in volume associated with the memory, hearing, speech and language portions of the brain. Individuals with hearing loss can experience significant cerebral atrophy. The most significant reduction in cerebral volume occurs in areas involved in memory, speech, language and hearing.

Tips for active aging include: • Share a meal with family and friends three to five times per week. • Commit to an aerobics/exercise regiment. • Learn a new hobby each year. • Play an instrument (or learn a new instrument). • If you love to read, keep reading (try to mix up the topics!). • If you don’t read much, try to read a book every other month. • Participate in classes at your local senior center. • Volunteering at a local hospital, shelter, etc. • Go back to school. Many local universities offer free tuition to people over 65. www.LovinLife.com

AUDIOLOGY & COGNITIVE HEALTH Audiologists Play a Key Role in Detecting Early Memory Loss

World’s First FDA-Cleared Computerized Test of Cognitive Function Cognivue® objectively, quantitatively and reliably identifies changes in cognitive function that could be indicative of an impairment such as memory loss and Dementia that you may optimally treat or manage.

FREE BRAIN HEALTH OFFER!

Dementia Risk Assessment NOW Available! “Number one professional care and quality of service. A game changer.” – Mike Boken

Start Treatment Today!

Two Months FREE Treatment New patients only. Expires 1/31/20

Call Today! (602) 899-9814 4004 N 7th Street | Phoenix, AZ 85014 AZBalanceAndHearing.com www.LovinLife.com

JANUARY 2021 | Business Showcase

Dr. Goss’ calling is caring for patients, staff BY ON BROADWAY DENTISTRY On Broadway Dentistry was born out of a dream of having a small, private dental practice here in the East Valley. Its vision was for its patients to feel like it was an “old-fashioned,” family-owned office with a twist. It would have the latest technology, utilize the best labs, and have a dental team that was exceptionally qualified in all dental modalities. Our family bought this practice in Feb-

ruary 2019 with a clear focus on what we wanted our office to represent to the community and how we wanted our patients to be treated. Dr. Lindsay Goss was our answer to prayers. She is the best dentist we have ever been privileged to know and work with daily. She has such a compassionate heart for the patients and our team, and it is palpable when you enter the office. Her calling is caring for people at an unprecedented level of excellence. Goss graduated magna cum laude from St. Mary’s College located in Notre Dame, Indiana, in 2006. She then moved to Arizona to attend one of the nation’s best dental schools, the Arizona School of Dentistry and Oral Health. While earning her doctorate, Goss obtained her master’s in public health. With these additional years of schooling, it allows her to be more comfortable with patients’ complicated

medical histories. We are an all-female practice that has the bar raised exceptionally high when it comes to ongoing continuing education and team training. We want to be set apart as a dental wellness practice here in Mesa. Our team loves to spend time together, and we really are family. The story of our office involves our entire team and our patients. We are all looking forward to getting to know you as well.

C TOD ALL REG AY TO ISTE R!

$1000 OFF INVISALIGN TREATMENT

OnBroadway OnBroadway D E N T I S T RY

www.OnBroadwayDentistry.com

Call Today To Schedule Your New Year Smile 480.223.0255

One l ucky winner for a free Invisalign t reat ment from a drawing for those that accept Invisalign t reat ment!

CONCERNED ABOUT YOUR COVID-19 SAFETY?

“At On Broadway Dentistry, we are a part of the community and COVID is a very real concern. We continue to practice taking every step to ensure your safety and comfort when in our ofﬁce. We have gone above guidelines for your safety. We have air puriﬁers, use CDC recommended cleaners, UV lights and disposables for patient appointments. We also take additional steps to ensure any items custom made for you are cleaned throughly such as dental crowns, veneers and removable appliances or retainers. 4435 E. Broadway Rd., Suite #9, Mesa, Arizona 85206 480-223-0255

Business Showcase | JANUARY 2021

www.LovinLife.com

Delight Clark gives back to the community BY LOVIN’ LIFE AFTER 50 STAFF After a life raising five sons, selling insurance certainly wasn’t on Delight Clark’s list of “second-act” activities. A third-generation Arizonan, Clark was well acquainted with the benefits and challenges of living in the beautiful, yet fast-growing desert environment. With a background in social work, and entrepreneurial skills honed during her years as a mom and small-business owner, how could she now give back to the community and state she loved? Serving Arizona’s substantial senior population turned out to be the answer—a way to honor and assist the generation that came before her with one of the significant challenges they face: selecting health care insurance. She became a licensed, certified Medicare broker, helping elders navigate the often-confusing array of service packages available to them. For the past eight years, Clark has specialized in empow-

ering Medicare beneficiaries to make health insurance decisions reflect their needs and maximize the benefits available to them. However, one gap in those benefits kept emerging: One member of a family had the opportunity to retire but could not do so because he/she had to continue working to provide health insurance for other family members. Clark found a solution: She now provides a health care indemnity plan to cover people younger than age 65, so the primary wage-earner of the family may retire if he/she so desires. Nonetheless, she and her husband, Brian, step away from the world of work often: They travel, in-state and farther afield; they work in their yard at home; they listen to audiobooks together— and best of all, they enjoy spending quality time with their ever-growing family, which now includes 10 grandchildren.

AFFORDABLE HEALTH INSURANCE? MEDICARE AND MORE Will you soon qualify for Medicare but need some help getting the ball rolling? Would you like a “Medicare 101” specialist to help you make personal decisions?

Do you wonder if all your providers might be in your designated network? Do you wonder if you qualify for help paying for your prescription drugs?

Do you need a cost effective healthcare plan to cover you and your family?

I have a plan for those UNDER 65 who need health insurance. Typically 40% off of ACA/Obamacare rates.

I CAN HELP | Delight Clark 480.540.1963

Hemp & CBD Co. is a one-stop shop for wellness goods BY THE HEMP & CBD CO. Art Leon established The Hemp & CBD Co. in late 2018 and followed it with his first Tucson store, which opened on January 2, 2019, and a second Valley location in Ahwatukee in May 2019. Since that time, he has opened two additional Arizona stores. The Hemp & CBD Co. specializes in all-things hemp. From oils and topicals to flower and edibles, this is a one-stop shop for hemp and CBD wellness needs. A fourth-generation Arizonan, Leon has a rich history of family accomplishments

www.LovinLife.com

of which to be proud. Leon has been an entrepreneur for more than 15 years. During this time, he has established great working relationships with other local business owners and community leaders. He stays committed to bringing the best quality wellness products to service the local community. The Hemp & CBD Co. focuses on providing education related to hemp CBD products and how they can potentially help the company’s customers. With a passion for customer service and the customer experience, The Hemp & CBD Co. goes above and beyond to continue learning so it can provide its customers with the best information available. Every location provides a comfortable atmosphere for its clients to enjoy and relax in.

The statements made regarding these products have not been evaluated by the FDA. These products are not intended to diagnose, treat, cure or prevent any disease.

15% OFF

phone orders and curbside pick-ups. Exp 2.28.2021

20 OFF

your purchase of $149 or more. Exp 2.28.2021

20% OFF

Flavored Pet Tinctures. Exp 2.28.2021

FREE

CBD PREROLL with purchase of $75 or more. Exp 2.28.2021

JANUARY 2021 | Business Showcase

Read this before buying windows, walk-in showers BY AMERICAN VISION WINDOWS If you want to see the difference new windows can make this year, look no further than American Vision Windows. Bill and Kathleen Herren, the owners of American Vision Windows, were in the market for new windows and were met with poor customer service. It is because of this experience that American Vision Windows is dedicated to revolutionizing the home improvement industry, one customer at a time. From wood-clad windows to the best-quality vinyl window options, American Vision Windows has it all. In addition, American Vision offers a large variety

Business Showcase | JANUARY 2021

of operating styles, such as sliding windows, picture windows, bay windows and others. Its improvement specialists are extremely knowledgeable and will help you decide which types of windows will serve you best. To revolutionize home improvement, the Herrens decided to expand into baths and showers, American Vision Baths. Their goal was to bring that same excellent quality, with friendly and timely service, to every customer’s home. None of this growth and expansion could have happened without the loyalty and determination of all their employees. If you have been thinking of your

dream shower or bath, American Vision Baths can design and transform your bathroom in as little as two days. Your luxury bathroom can be customized to fit for comfort and safety, by adding seats, barres, lockers, faucets and more. Why not start the year off right and give yourself the gift of new windows or a walk-in shower or bath from American Vision Windows and American Vision Baths? American Vision is here to guide you every step of the way. Experts at American Vision will come alongside you to design and implement the transformation your house deserves. Once your installation is complete,

American Vision’s customer service department will assist you with any questions you may have, and the dedicated staff at American Vision will be able to answer any service-related questions as well as scheduling service calls if required. Still not convinced? Check it out online for a virtual tour of its showroom. American Vision Windows is offering new windows with zero payments and 0% financing for 12 months. Ready to transform your bathroom? American Vision Baths is paying the tax and offering zero payments and 0% interest until 2022. It’s time to ring in the new year with American Vision.

www.LovinLife.com

INTRODUCING

31-Day New Year, New Shower Sales Event!

THE BY

COLLECTION

Refresh Your Home With New Windows EXCLUSIVELY FROM

ZERO

INTEREST PAYMENTS OR FOR UP TO 12 MONTHS*

PAYMENTS

AS LOW AS

/MO.**

“Revolutionizing the Home Improvement Industry, One Customer at a Time.”

CALL NOW

(888) 893-5024 AmericanVisionWindows.com

*On approved credit, not all applicants will qualify. See website for details. Promo period for 12 months with no payments required followed by 84 amortized payments based on the balance at the end of the promo period. Interest charge to account is waived if entire purchase balance is paid before the end of the promo period. No prepayment penalty. APR in loan agreement is fixed for the life of the loan. Minimum financing of $2,500 and proof of income required. **6 month promo period beginning at approval with up to 6 interest only payments followed by 78 amortized payments based on balance at end of promo period. No prepayment penalties. Your APR is fixed at 7.99% for the life of the loan. On approved credit, not all applicants will qualify. Call for details. Offer Expires 01/31/2021. ROC#267599.

www.LovinLife.com

WE PAY THE TAX

FINANCING AVAILABLE

0% INTEREST $0 PAYMENTS Until 2022** Beautiful Bathroom Transformations Installed in as Little as a Day or Two

Senior Safety Experts Beautiful, high-gloss acrylic Our replacement baths are scratch, chip, stain and fade resistant No grout lines and non-porous for easy cleaning Naturally resists mold and mildew

Schedule Your FREE In-Home Estimate

(888) 893-5024 AmericanVisionBaths.com

*Tax based on materials only. On Purchase of Complete Remodel of Wet Area. Standard, clear glass, polished chrome finish sliding shower door. Cannot be combined with any other offers. Some restrictions apply. Call for details. See website for details.**Promo period until 2022 with no payments required followed by 84 amortized payments based on the balance at the end of the promo period. Down Payment dependent on approved credit. Interest charge to account is waived if entire purchase balance is paid before the end of the promo period. No prepayment penalty. APR in loan agreement is fixed for the life of the loan. Minimum financing of $2,500 and proof of income required. On approved credit, not all applicants will qualify. Call for details. Offer Expires 01/31/2021. ROC#267599.

JANUARY 2021 | Business Showcase

The Gasser Dental diﬀerence

sedation safely and effectively for over 12 years in Arizona. Gasser’s training includes certification at the Malo Clinic under the tutelage of Dr. Paulo Malo, who developed the popular All-on-4 implant technique.

BY GASSER DENTAL IMPLANTS When choosing a dental implant specialist, there are many factors to consider. Here are the top five reasons that make Gasser Dental Implants unique.

One doctor. One location.

Life-transforming results The goal of treatment is to change people’s lives and transform them. Dental implants are a means to an end. A beautiful, functional, comfortable smile can radically improve your medical health, function and confidence. Gasser Dental has witnessed this life transformation for thousands of patients over the last 26 years.

Patient-specific solutions Every patient is unique. They have different bone levels, fears, concerns, goals, medical conditions, ages and budgets to consider. Gasser Dental understands each patient deserves customized options that fit their lives. One size does not fit all. At Gasser Dental we listen to you, learn about your differences and offer patient-specific options.

Quality

Experience

Quality of materials and service is of top importance at Gasser Dental. It uses only the latest high-tech equipment and premium materials supported by scientific data. The Gasser Dental team is made up of highly trained, professional and caring staff.

Experience matters. Dr. Kevin Gasser has successfully placed and restored thousands of dental implants for over 26 years in Arizona. He is a leading provider of the “All-on-4” immediately anchored implant procedure for over 15 years in Arizona. In addition, he has provided IV

2021

Gasser Dental is a private facility. There are no handoffs to other doctors or other facilities. Gasser does it all. He does the sedation, surgery and restorative work himself. He focuses on an accelerated treatment delivery that is time efficient yet respects science and nature. His protocol is designed to obtain the best possible results in the shortest time possible for each patient’s specific case. Gasser Dental offers all new patients a no-fee consultation and free iCat scan ($475 value). Getting a free consultation is easy; just call 623-972-8217 for an appointment.

A New Year. A New You.

The time, technology and price have never been easier to get the smile you have always dreamed of. Smile more and eat the foods you love with permanently implanted teeth. At Gasser Dental Implants we focus on custom treatment plans right for you.

Call 623-972-8217 today to schedule your FREE CONSULTATION and FREE ICAT SCAN ( $500 value) with Dr. Kevin Gasser himself.

*Mention code “2021” to qualify for special “Lovin’ Life “discounts.

Dr. Kevin Gasser is the valley’s leader in the field of dental implants. He is also full-service dental provider.

New Year discounts and VA discounts available. Financing options available to qualified applicants. Gasser Dental is located in Sun City, Arizona

www.drgasser.com • 17220 N. Boswell Blvd. Ste 200w, Sun City AZ 85373 22

Business Showcase | JANUARY 2021

www.LovinLife.com

Come heal with ApexNetwork Physical Therapy BY APEXNETWORK PHYSICAL THERAPY At ApexNetwork Physical Therapy, the staff provides relief from the aches and pains that keep you from enjoying life. They listen, understand and develop customized treatment plans based on your goals. From your first appointment until your

last treatment, ApexNetwork Physical Therapy remains focused on your health and ensures your progress one visit at a time. We are committed to providing the highest-quality care in an upscale environment with therapeutic interventions that are research based and clinically proven to improve pain and quality of life.

Experience the warm and upscale clinics with the best equipment and the option for privacy with private treatment rooms. The physical therapists are compassionate and trained in a wide range of modalities, including, but not limited to, orthopedic conditions, post-operative recovery, neurological pathologies, pain management, athletic rehabilitation and sports performance. The staff is taking all precautions to minimize the risk of COVID-19, and all areas of contact are sanitized after each use, a face mask is required to enter our facilities, and hand washing is readily available for patients and staff. Come heal with us! Call one of the clinics for more information, or visit our website at apexnetworkpt.com. The local offices are located at 980 S. Watson Road, Suite 101, Buckeye, 623-289-1916; and 28620 N. El Mirage Road, Suite B102, Peoria, 1-888-433-7993.

Physical Therapy Manual Therapy SportsRehab Balance rehab Golf Rehab

Get back into your game SCHEDULE AN APPOINTMENT today to get

started on yourw physical therapy journey!

APEXNE TWORKP T.COM

www.LovinLife.com

Industrial Rehab Speech Therapy Dry Needling

BUCKEYE, AZ 980 S Watson Rd, Ste. 101 Buckeye, AZ 85326 P: 623-289-1916 V I S TA N C I A , A Z 28620 N El Mirage Rd, Ste. B102 Peoria, AZ 85383 P: 888-433-7993

JANUARY 2021 | Business Showcase

A legacy of caring Hospice, supportive and dementia care Support for the caregiver Music, massage and pet therapy Military veteran and first responder recognition Grief support • Volunteer opportunities Call 24/7 to speak with a nurse As a not-for-profit,we never turn anyone away

(602) 530-6900 hov.org

Hospice of the Valley Offers Virtual Support for All As frontline healthcare workers and those who are most vulnerable begin receiving the first coronavirus vaccines, the CDC is urging communities to stay vigilant — continuing with masks and avoiding large gatherings. These measures are necessary to protect ourselves and others, but social distancing also can take a toll on our well-being. Health experts say many people are experiencing higher levels of stress and anxiety — even depression. Hospice of the Valley has created several Zoom presentations designed to keep us centered and encourage self-care. All are invited to join from the comfort of home. There is no cost to participate and no need to RSVP.

Mindfulness Support Groups

Thursday Mindfulness

Thursdays from noon–12:30 p.m. (In partnership with the Phoenix Art Museum)

Saturday Mindfulness

Dementia Support Groups

Live Well with Dementia: Monday Mornings with Maribeth

Saturdays from 9:30-10:30 a.m.

Mondays at 10 a.m. for about 30 minutes

Questions or help with Zoom? Contact Gill Hamilton at ghamilton@hov.org or (602) 748-3692

Dementia Care Partner Online Support Group

Class and Zoom information: visit hov.org/mindfulness

Wednesdays from noon to 1 p.m. Class and Zoom information: visit hov.org, search “classes and presentations”

Visit hov.org for more information or call (602) 530-6900 24

Business Showcase | JANUARY 2021