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Page 1: LUMINATE JULY 2016 - Anthem News · fragrances and some nail polishes, were found to have negative effects on hormones for pregnant women, and children of mothers exposed to high

LUMINATEJULY 2016

YOUR GUIDE TO A HEALTHIER LIFE

What Gets In Through Your Skin

Page 22.

Page 22

Page 2: LUMINATE JULY 2016 - Anthem News · fragrances and some nail polishes, were found to have negative effects on hormones for pregnant women, and children of mothers exposed to high

| 1918 | LUMINATE | JULY 2016

Dr. Pile is pleased to provide exceptional Cosmetic, Preventative,and Family Dentistry to Anthem and surrounding communities.

$59 NEW PATIENT CLEANING,

EXAM & X-RAYS*In the absence of periodontal disease.

Insurance will be billed if available. Can notbe combined with any other offer or coupon.

Must be presented at initial exam.

NEW PATIENT SPECIAL:

$50 VISA CARD

*With purchase of complete exam, x-raysand cleaning. Can not be combined with

any other offer or coupon. No cash value.Must be presented at initial exam.

0% INTERESTFOR 12

MONTHS

*Subject to credit approval. CareCredit accepted!

623.551.5555YourAnthemDentist.com

3655 W. Anthem Way, A-117 (in the Anthem Marketplace)NOW ACCEPTING NEW PATIENTS | MOST INSURANCES ACCEPTED

Dr. Nicholas M. Pile, DMDSpear Trained Dentist/Owner

Your Anthem Dentist

We...• Only see one patient at a time

• Only use the highest quality dental materials and labs

• Educate our patients to choose the best course of treatments!

Dr. Pile...• Is an Anthem resident

• A Spear trained dentist

• A member of the American Academy of Cosmetic Dentistry

One-Visit Custom Crowns | Emergencies WelcomeOne-Hour Teeth Whitening | Invisalign | Tooth Colored Fillings

TMD/TMJ Treatment | Cosmetic DentistryC

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Element Dental_Full-Size Ad_f1.pdf 1 1/18/16 10:18 PM

Page 3: LUMINATE JULY 2016 - Anthem News · fragrances and some nail polishes, were found to have negative effects on hormones for pregnant women, and children of mothers exposed to high

| 19LUMINATE | JULY 2016

PHOTO BY NADINE SHAALAN

ASK A PRO

Scott Skinner is owner of SkinSport Fitness Centers (Anthem and Biltmore locations) specializing in High Intensity training and nutrition to help you shed fat quickly.

[email protected] www.skinsport.com623-229-8975

42211 N. 41st Dr. Suite 169, Anthem

TRY SKINSPORT

2 WEEKS FOR

$20!NEW CLIENTS ONLY

MENTION IN&OUT

you can do it!

S P O N S O R E D C O N T E N T

I’ve avoided fats—dairy, nuts, fried foods, etc.—my whole life, trying to lose

weight. But my (fabulously fit) friend, who goes to SkinSport, said that is not how your program works. What am I not getting?

For decades, conventional wisdom dictated a nonfat or lowfat diet for weight loss. Today, we know that is not good advice if you want to lose weight and be healthy.

Lack of exercise and excess carbohydrates makes you fat, not consuming fat. Mind you, there are fats out there that are just not healthy.

Good Fats: Natural animal fats, fats from fish, and fats from select plants, such as avocado, olives, nuts, flaxseed and tropical oils. Essential fats such as Omega-3 fatty acids are necessary and are found in krill, fish and flax.

Bad Fats: Certain vegetable fats such as refined oil from soy, safflower, peanut, corn, sunflower and canola. So, most fried foods fall into this category. These tend to be high in Omega-6 fatty acids and can be dangerous when consumed regularly.

“It’s OK… It’s fat-free!” No! Food claiming to be nonfat usually has a bunch of unsavory ingredients to make up for the missing fat. Not good!

It’s OK… It’s healthy fat. Yes! Here’s why:

• Healthy fats support the function of your brain, where one quarter of your body’s cholesterol resides. Cut too much cholesterol, and you’ll soon become foggy and slow.

• Omega-3s in nuts, vegetables and fish help joints. Studies show a diet low in Omega-6 fatty acids and high in Omega-3s reduces inflammation.

• Healthy fats support organ health. Fish oil is excellent for heart and kidney function. It is also great for eyes and skin.

• Refined oils can oxidize during processing and wreak havoc on your heart and joints.

Does Fat Make You Fat?

Q:

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| 2120 | LUMINATE | JULY 2016

Anthem Senior Living & Anthem Senior RetreatHave a question? 602-909-9550 Write or call today! Help is on the way! [email protected].

Suite Now Available! Third Location Coming Soon!

No Extras. No Increases. NO REGRETS.

Cheryl Ile

Choosing from more than 2,000 assisted living facilities is a daunting

task you’ll want to get right. This move promises to be challenging enough; you don’t want to have to repeat it.

Location, level of care and experience are top factors in your decision. Price, though, might be the most important. And, possibly the most deceptive. Choosing a facility with a seemingly affordable monthly rate might quickly fill you with regret.

While $3,000/month sounds better than $4,000, make sure you understand what that rate includes. More than likely, there are “extras.” These extra fees not only add up, but become a burden for you to monitor. And, expect rate hikes as the cost of living increases annually, or a higher level of care is necessary.

Let the Anthem Senior experts put your mind at ease with one rate, all inclusive, that NEVER increases. Call now to see how Anthem Senior is your best option.

Small-scale Facility Their

charge/moASL/ASR

charge/moIncontinence supplies $200–400 $0Gloves, wipes, misc. supplies $100 $0TB test, flu shot, pneumonia shot, service plans $75–250 $0Hair service, weekly $100–150 $0Massage therapy, weekly $120 $0Manicure, weekly $60 $0Prescription pickup $40 $0

Large-scale Facility (in addition to charges for services above…)

Their charge/mo

ASL/ASR charge/mo

Assistance with medication management $250–350 $0Assistance with showers, (1-2/week) $275–375 $0

Food in addition to two meals/day $100–275 $0

Call Now!

AnthemSenior150430inclusive.indd 1 6/18/15 5:18 PM

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| 21LUMINATE | JULY 2016

Anthem Senior Living & Anthem Senior RetreatHave a question? 602-909-9550 Write or call today! Help is on the way! [email protected].

Suite Now Available! Third Location Coming Soon!

No Extras. No Increases. NO REGRETS.

Cheryl Ile

Choosing from more than 2,000 assisted living facilities is a daunting

task you’ll want to get right. This move promises to be challenging enough; you don’t want to have to repeat it.

Location, level of care and experience are top factors in your decision. Price, though, might be the most important. And, possibly the most deceptive. Choosing a facility with a seemingly affordable monthly rate might quickly fill you with regret.

While $3,000/month sounds better than $4,000, make sure you understand what that rate includes. More than likely, there are “extras.” These extra fees not only add up, but become a burden for you to monitor. And, expect rate hikes as the cost of living increases annually, or a higher level of care is necessary.

Let the Anthem Senior experts put your mind at ease with one rate, all inclusive, that NEVER increases. Call now to see how Anthem Senior is your best option.

Small-scale Facility Their

charge/moASL/ASR

charge/moIncontinence supplies $200–400 $0Gloves, wipes, misc. supplies $100 $0TB test, flu shot, pneumonia shot, service plans $75–250 $0Hair service, weekly $100–150 $0Massage therapy, weekly $120 $0Manicure, weekly $60 $0Prescription pickup $40 $0

Large-scale Facility (in addition to charges for services above…)

Their charge/mo

ASL/ASR charge/mo

Assistance with medication management $250–350 $0Assistance with showers, (1-2/week) $275–375 $0

Food in addition to two meals/day $100–275 $0

Call Now!

AnthemSenior150430inclusive.indd 1 6/18/15 5:18 PM

Opt Up is written by staff writers

Slather that rack of ribs with store-bought

barbecue sauce and you’ll load up with salt, corn syrup, colors, flavors, preservatives

and who-knows-what else. Or, craft your own with just the perfect ratio of hot to sweet to

tangy. There’s a good chance you already have the ingredients to concoct a tastier, healthier version.

And there’s a lot of satisfaction in developing your own secret recipe—so measure and take notes!

Here’s a traditional tomato-based barbecue sauce to get you started. It pairs well with ribs,

brisket, pulled pork and chicken, giving your meal a sweet-and-sour flavor.

Just Better Barbecue SauceIngredients 1 onion, finely diced2 cups tomato sauce4 Tbsp. tomato paste2 cloves of garlic, crushed1 Tbsp. paprika4 Tbsp. honey or maple syrup3 Tbsp. balsamic vinegar1 Tbsp. WorcestershirePinch of sea salt Pinch of black pepper

Directions

■1 Add a little oil to a pan, add the onion and cook on low for 5 minutes until softened.

■2 Add remaining ingredients to the pan and simmer for 3 minutes.

■3 Use as-is if you like a chunkier sauce, or blend for a smoother texture.

Tips Add a teaspoon or more of red chilli flakes, cayenne pepper or tabasco sauce to turn up the heat.

Brush fresh vegetables with this sauce before grilling for extra flavor.

Way Better

BBQ

OPT UP

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| 2322 | LUMINATE | JULY 2016

By Karen Goveia

Pour it on, sprinkle it, spray, smooth, lather, rinse and repeat. Just know the products used to pamper and beautify might

contain ingredients that can cause you harm. And good luck figuring out what those are.

The average American woman uses about a dozen personal care products and cosmetics daily, including shampoo, body wash, lotion, deodorant, perfume, hairspray and makeup. Teens tend to use even more, according to the non-profit research organization Environmental Working Group (EWG).

Lurking in these products are hundreds of chemicals that are absorbed through the skin. (After all, that’s how

those transdermal patches deliver nicotine and other drugs to the body.) Some of those ingredients are thought to have harmful effects. Many haven’t been well studied for safety. Most are not regulated in the United States, as the Food & Drug Administration does not test or approve these products or their ingredients (with the exception of color additives) before they hit store shelves.

Among the chemicals common in cosmetics and personal care products are phthalates, parabens and triclosan. Studies have shown these chemicals can interfere with the body’s endocrine system, the glands that regulate metabolism and produce hormones related to sleep, mood, sex and more. They are banned in cosmetic production in the European Union.

Easy, Breezy,

Beautiful… Oh-oh.

Lack of U.S. regulation allows chemicals —some known to be harmful—

into popular personal care products.

THE PULSE

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| 23LUMINATE | JULY 2016

Phthalates, typically found in fragrances and some nail polishes, were found to have negative effects on hormones for pregnant women, and children of mothers exposed to high levels are at increased risk of asthma, another study found.

Parabens, preservatives widely used in cosmetics, shampoos and skin lotions, are linked with breast cancer risk and may disrupt the growth of boys whose mothers were exposed during pregnancy.

Triclosan, common in liquid antibacterial hand soap, dishwashing detergent, toothpaste, face wash and deodorant, was linked to an increased risk of allergies.

A recent, small study published in the journal Environmental Health Perspectives provided 100 Latina teens with personal care products free of these chemicals. Three days later, urine samples showed a significant drop—up to 45 percent—in levels of most of the chemicals.

QUESTIONABLE CHEMICALSIn the United States, neither the law

nor FDA regulations require specific tests to demonstrate the safety of cosmetics or personal care products or ingredients. Products that have not been tested are required to carry the label, "Warning—The safety of this product has not been determined.” The FDA has banned the use of 11 chemicals in cosmetic products, while the European Union has banned 1,328 chemicals known or suspected to cause cancer, genetic mutation, reproductive harm, birth defects or other harm.

Regulation of the cosmetic industry under the Federal Food, Drug, and Cosmetics Act has remained largely unchanged since 1938.

Oh-oh.

TAKE CONTROL OF YOUR SKIN

Get EWG’s App: Healthy Living Scan the barcode on one of 80,000 personal care items and get the safety rating and ingredients list for that product.

Healthy Living will flag items with “fragrance” in the ingredient listings, but to avoid phthalates, choose unscented alternatives.

Beware of ‘Natural’ & ‘Organic’ Claims Under the Fair Packaging & Labeling Act, manufacturers are obligated to label their product truthfully. But, the terms “organic” and “natural” are not defined in the act, and the FDA has not established definitions for these terms, leaving the interpretation up to manufacturers. Products with the “USDA 100% Organic” seal are generally a safe bet, as they are bound by stricter guidelines set by the U.S. Department of Agriculture.

Make Your Own Products Start slow and experiment. Many skin and hair treatments can be replaced with products you already have at home, including coconut oil, olive oil and essential oils for scent. You might find these products work better than expensive packaged products.

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HEALTH & WELLNESS CALENDAR*Some events that occur weekly appear only in the first occurrence.

FRIDAY 7.1

Senior Stretch-and-Tone Registration DeadlineAnthem Civic Building3701 W. Anthem Way623-742-6000 www.onlineatanthem.com$58A gentler form of exercise done while standing or sitting. For ages 50 and up. Class July 6–July 27, Monday and Wednesday from 10:30–11 a.m.

Carefree Coloring for Adults2:30–4:30 p.m.North Valley Regional Library40410 N. Gavilan Peak Parkway602-652-3000 www.mcldaz.orgA stress-relieving afternoon. Supplies provided or bring your own. Registration required.

TUESDAY 7.5

Yoga Stretch6:30–7:15 p.m., TuesdaysNorth Valley Regional Library40410 N. Gavilan Peak Parkway602-652-3000 www.mcldaz.orgSimple stretching and basic yoga for adults and teens. Bring a yoga mat or blanket.

NAMI Family Support Group7–8:30 p.m.HonorHealth Sonoran Health and Emergency Center33423 N. 32nd Ave., Phoenix623-444-2816 www.honorhealth.comSupport for family members of those experiencing mental health challenges.

Yoga Nidra7:15–8 p.m., TuesdaysNorth Valley Regional Library40410 N. Gavilan Peak Parkway602-652-3000, www.mcldaz.orgDeep relaxation practice focuses on breathing exercises and scan of the body. For adults and teens. Bring a yoga mat or blanket.

WEDNESDAY 7.6Yoga Storytime10–10:45 a.m.North Valley Regional Library40410 N. Gavilan Peak Parkway602-652-3000 www.mcldaz.orgStories, music and finger plays to stretch the imagination. Plus, kid-friendly yoga to stretch the body. For ages 4–9.

Yoga for Recovery6–8 p.m., WednesdaysDeer Valley Medical Center Campus, Medical Office Building 119841 N. 27th Ave., Suite 400, Phoenix

623-780-4673 www.honorhealth.com/wellnessFreeGentle yoga tailored to breast cancer survivors.

THURSDAY 7.7

Meditation for Healing6–7 p.m.Deer Valley Medical Center Campus, Medical Office Building 119646 N. 27th Ave., Suite 400, Phoenix623-780-4673 www.honorhealth.com/wellness/eventsFreeLearn healing techniques, including visualization, breath work, positive affirmation and guided meditation.

Adult Beginning Yoga6:30–7:45 p.m.North Valley Regional Library40410 N. Gavilan Peak Parkway602-652-3000, www.mcldaz.orgSlow-flow hatha yoga. Bring a yoga mat and/or blanket.

Mended Hearts Support Group6:30–8 p.m.HonorHealth Medical Building 119841 N. 27th Ave., Suite 400, Phoenix623-879-1800 www.honorhealth.com/wellness/eventsSupport group for cardiovascular patients.

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Scenic Hike7–9 a.m.Lake Pleasant Regional Park41835 N. Castle Hot Springs Road Morristown928-501-1710 www.maricopa.gov/parks$6/VehicleA 3-mile hike to Yavapai Point.

FRIDAY 7.8Clay Mine Adventure7–9 p.m.Cave Creek Regional Park37019 N. Lava Lane, Cave Creek623-465-0431 www.maricopa.gov/parks$6/VehicleHike to the mine for a discussion of its history and how its contents were used to cure ailments. Hard hats provided. Bring a flashlight and camera. Open-house style. No pets, please.

Hike and Splash10 a.m.–noon Lake Pleasant Regional Park41835 N. Castle Hot Springs Road Morristown928-501-1710, www.maricopa.gov/parks$6/VehicleA hike down to the shoreline for a cool splash. Wear shoes that can get wet (no flip-flops.) Chance to win a 4-pack of Wet ‘n’ Wild tickets.

SATURDAY 7.9Pleasant Paddlers Program7 a.m.–noon Lake Pleasant Regional Park41835 N. Castle Hot Springs Road Morristown928-501-1710 www.maricopa.gov/parks$6/Vehicle, $2/WatercraftA 10-mile paddle to Coles and Goose Bays. For experienced paddlers only. Bring your canoe, kayak or SUP and a life vest.

MONDAY 7.11Basketball Summer CampThrough Thursday, July 14Anthem School41020 N. Freedom Way623-376-3700 [email protected] www.dvusd.org $55For incoming Anthem school students in grades 5–8. Girls from 8–10 a.m. Boys from 2–4 p.m. Cost includes shirt. Camp runs Monday–Thursday.

Baby U9:30–10:15 a.m.North Valley Regional Library40410 N. Gavilan Peak Parkway602-652-3000 www.mcldaz.orgA university for babies with songs, movement, books and playtime to spark creativity and brain development.

TUESDAY 7.12Teen Summer Sampler: Amplif(i) Body Image and Self Esteem1–3 p.m.Anthem Civic Building3701 W. Anthem Way623-742-6000www.onlineatanthem.com/teen-summer-sampler$30/Includes all sessionsOne in a series of presentations dealing with topics including bullying, internet safety, body image and substance abuse.

Look Good, Feel Better4:30–6:30 p.m.HonorHealth Breast Health & Research Center19646 N. 27th Ave., Suite 205, [email protected] www.honorhealth.comFreeLearn beauty techniques to manage appearance-related effects of cancer treatment. Open to all women undergoing chemotherapy, radiation or other forms of treatment for cancer. Registration required.

Teen Summer Sampler: Parent Presentation5–6 p.m.Anthem Civic Building3701 W. Anthem Way623-742-6000www.onlineatanthem.com/teen-summer-samplerFreeTopic: Substance Abuse. Parent component of the teen presentation on the same topic.

WEDNESDAY 7.13Alzheimer’s Awareness10–11 a.m.Anthem Civic Building3701 W. Anthem Way623-742-6000www.onlineatanthem.comLearn the 10 warning signs for early detection, drug therapy, planning for the future and clinical studies.

Wednesday Wet Hike9–11 a.m.Lake Pleasant Regional Park41835 N. Castle Hot Springs Road Morristown928-501-1710www.maricopa.gov/parks$6/VehicleA 1- to 2-mile hike along the shoreline. Prepare to get wet.

Helping AZ Families Information Meeting6:30 p.m.Christ’s Church of the Valley39905 N. Gavilan Peak Parkway623-561-3700 www.ccvonline.comLearn about the child welfare crisis in Arizona and how to become a foster family. Childcare provided.

THURSDAY 7.14Breast Cancer Learn and Support Group6–8 p.m.Breast Health and Research Center19646 N. 27th Ave., Suite 205, Phoenix623-780-4673 www.honorhealth.com

Adult Beginning Yoga6:30–7:45 p.m.North Valley Regional Library40410 N. Gavilan Peak Parkway[See Thursday, July 7 listing.]

Archery 1017–8:30 a.m.Lake Pleasant Regional Park41835 N. Castle Hot Springs Road Morristown928-501-1710, www.maricopa.gov/parks$6/VehicleLearn to shoot recurve and compound bows. Wear closed-toe shoes. Equipment provided. Registration required.

FRIDAY 7.15Moonlight Madness March7–8:30 a.m.Cave Creek Regional Park37019 N. Lava Lane, Cave Creek623-465-0431, www.maricopa.gov/parks$6/VehicleA hike with Ranger Mark along one of the most scenic trails. Bring a camera.

SUNDAY 7.17Foster Care Orientation and Basic Training12:30 p.m.Christ’s Church of the Valley39905 N. Gavilan Peak Parkway623-561-3700, www.ccvonline.com$5An introduction to foster care and adoption from a faith-based perspective. Cost includes lunch. Registration required.

MONDAY 7.18Baby U9:30–10:15 a.m.North Valley Regional Library[See Monday, July 11 listing.]

TUESDAY 7.19Teen Summer Sampler: Amplif(i) Substance Abuse1–3 p.m.Anthem Civic Building3701 W. Anthem Way623-742-6000, www.onlineatanthem.com/teen-summer-sampler$30/Includes all sessionsOne in a series of presentations on topics including bullying, internet safety, body image and substance abuse.

Cooking for Wellness6–8 p.m.HonorHealth Breast Health

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& Research Center19646 N. 27th Ave., Suite 205, Phoenix623-780-4673, [email protected] www.honorhealth.com/FreeA cooking demonstration for breast cancer-related nutrition by a registered dietician. Family and friends welcome. Registration required.

NAMI Family Support Group7–8:30 p.m.HonorHealth Sonoran Health and Emergency Center33423 N. 32nd Ave., Phoenix623-444-2816, www.honorhealth.comFreeSupport for family members of those experiencing mental health challenges.

WEDNESDAY 7.20

Safe Families Host Training6:30 p.m.Christ’s Church of the Valley39905 N. Gavilan Peak Parkway623-561-3700, www.ccvonline.comLearn about the process of becoming a "Safe Family" which helps alleviate the foster care crisis in Arizona.

THURSDAY 7.21

Meditation for Healing6–7 p.m.Deer Valley Medical Center Campus, Medical Office Building 119646 N. 27th Ave., Suite 400, Phoenix623-780-4673 www.honorhealth.com/wellness/eventsFree Learn healing techniques, including visualization, breath work, positive affirmation and guided meditation.

Looking for Wild Burros8–10 a.m.Lake Pleasant Regional Park41835 N. Castle Hot Springs Road Morristown928-501-1710, www.maricopa.gov/parks$6/VehicleA 2-mile, round-trip hike in search of these desert dwellers.

FRIDAY 7.22

Beginner Lake Kayaking Class6–8 p.m.Cabela’s9380 W. Glendale Ave., Glendale928-501-1703 www.maricopa.gov/parks/Classroom session on the basics of kayaking includes kayak types, gear, safety issues and connections. Opportunity to sign up for on-the-water session at Lake Pleasant on July 23.

Alzheimer Support Group10 a.m.–noon Anthem Civic Building3701 W. Anthem Way623-910-6072A forum to share feelings, concerns, information, support and encouragement.

SATURDAY 7.23

Get Wet Beginner Kayaking7 a.m.; 9 a.m.Lake Pleasant Regional Park41835 N. Castle Hot Springs Road Morristown928-501-1710, www.maricopa.gov/parks$40Learn and practice basic skills for flatwater kayaking. Cost includes kayak rental, paddle and life vest.

MONDAY 7.25

Baby U9:30–10:15 a.m.North Valley Regional Library[See Monday, July 11 listing.]

TUESDAY 7.26

Teen Summer Sampler: Amplif(i) Bullying1–3 p.m.Anthem Civic Building3701 W. Anthem Way623-742-6000, www.onlineatanthem.com/teen-summer-sampler$30/Includes all sessionsOne in a series of presentations on topics including bullying, internet safety, body

image and substance abuse.

WEDNESDAY 7.27Senior Stretch-and-Tone Registration DeadlineAnthem Civic Building3701 W. Anthem Way623-742-6000, www.onlineatanthem.com$80A gentler form of exercise done while standing or sitting. For ages 50 and up. Class Aug. 1–Aug. 31, Monday and Wednesday from 10:30–11 a.m.

Wednesday Wet Hike9–11 a.m.Lake Pleasant Regional Park41835 N. Castle Hot Springs Road 928-501-1710, www.maricopa.gov/parks$6/VehicleA 1- to 2-mile hike along the shoreline. Prepare to get wet.

THURSDAY 7.28Breast Cancer Learn and Support Group6–8 p.m.Breast Health and Research Center19646 N. 27th Ave., Suite 205, Phoenix623-780-4673, www.honorhealth.com

Hiking and History9–11 a.m.Lake Pleasant Regional Park41835 N. Castle Hot Springs Road Morristown928-501-1710, www.maricopa.gov/parks$6/VehicleExplore the history of the lake on a 2-mile hike.

FRIDAY 7.29Hike and Splash9–11 a.m.Lake Pleasant Regional Park928-501-1710, www.maricopa.gov/parks[See Friday, July 8 listing.]

SATURDAY 7.30Pleasant Paddlers Program8–11 a.m.Lake Pleasant Regional Park928-501-1710 www.maricopa.gov/parks[See Saturday, July 9 listing.]

]]INTEGRATIVE PSYCHOTHERAPY

& ASSESSMENT SERVICESPhoenixPsychologists.com

602-526-8315

Dr. Dawn Byrd offers therapy for children, teens & families, and psychological assessments

including:

Gifted Assessment Educational Evaluation

Psychological Evaluation ADHD Evaluation

$78/mo!To advertise your health and

wellness business in this space

LUMINATE 623-239-3954

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S P O N S O R E D C O N T E N T

FREEMAN INCOME TAXKerry Freeman, Enrolled Agent

41111 N Daisy Mountain Rd., #113, Anthem, AZ 85086623-518-2157 Freemanincometaxservice.com

By Kerry Freeman, Enrolled Agent

As in NASCAR, when the yellow flag comes out, talk to your pit crew. The yellow flags of life include a pending

divorce, a child going off to college, the death of a loved one, the loss of a job. Slow down. Check with your pitcrew. A good local tax professional is a critical member of that team.

Divorce has a lot of moving parts and the biggest concern often involves the children. While on the surface, your attorney generally knows what is best, when it comes to how the changes will affect your taxes, your tax advisor

is the real pro. Which parent claims the children, who claims the tax credits and how the parents deal

with the Affordable

Care Act (ACA) are complex questions. Don’t wait until tax time to find you’ve made a costly mistake that could have been avoided.

Whether you are married or divorced, the time may come when your child heads to college. This has its own issues with regard to different tax credits available, such as the American Opportunity or the Lifetime Learning Credit. Parents of college students often ask, “Can I still claim my child even if he/she moves away from home?” The best answer is: maybe. But it might be best for you not to claim your child. Each situation needs to be assessed individually; one size does not fit all.

This brings us to the second part of the quotation made famous by Benjamin Franklin, “In this world, nothing can be said to be certain, except death and taxes.” This is often the most confusing subject and a little hand-holding by your Enrolled Agent or tax professional is often needed. Mistakes on a final return can haunt you longer than any ghost would.

So take a tip from the folks at NASCAR. When you see one of life’s yellow flags, make a pit stop and talk with your local tax expert. It will make the next laps easier.

How to Handle LIFE’S

YELLOW FLAGS

Freeman160630_YellowFlag.indd 1 6/23/16 6:55 PM

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