WINTER 2008

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480-998-3578

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9646 E. CELTIC DR. SCOTTSDALE UNBELIEVABLE REMODEL AT AN EVEN MORE UNBELIVABLE PRICE

Everything in this home was designed by a professional decorator and it shows.Magnificent travertine floors throughout with accents. Enormous gourmet kitchen withgranite and S.S. appls. Family room with vaulted ceilings and media wall. Wonderfulfloorplan with master suite downstairs complete with remodeled bath plus large gar-den tub and shower. Spectacular backyard has pebble tec pool and waterfall.

9450 E. BECKER LANES SCOTTSDALEBEAUTIFUL COMMUNITY CLOSE TO EVERYTHING

Spacious split floorplan provides plenty of room to spread out. Immaculate kitchen hasample storage and cabinent space. Light and bright family room is located off covered patioperfect for enjoying cool breezes. Full BA off 2nd BR is perfect for office or guest. MasterBR has a nice walk-in closet and separate room for shower and lavatory. Communityincludes heated pool and spa, lush mature vegetation, and covered parking. With so muchto offer and located close to Loop 101 this unit will not last long

8101 E. DEL JOYA DR. SCOTTSDALE LUXURIOUS RESORT-STYLE ESTATE

Meticulous remodel with no detail untouched. Custom kitchen with GE profile S.S.appls., granite, and drop pendant lighting above breakfast bar. Superb great roomhas beautiful tongue & groove vaulted ceiling and fireplace. 24x24 travertine floor-ing in all the right places. Professionally landscaped with 500+ sq.ft. of naturalslate around patio and pool plus built-in grill. List goes on and on!!!

9959 E. BAYVIEW DR. SCOTTSDALE UNBELIEVABLY PRICED WATERFRONT ESTATE

Generous floorplan appx. 3,800 sq.ft. features 4 BR & 3 BA & provides dynamicwater views from practically every room. Large kitchen with breakfast bar opens tofamily room. Oversized staircase leads to master and secondary BRs. Featuresinclude 3-CG and private dock on Lake Serena. All of this located on a cul-de-saclot within a few miles of restaurants, shopping, and Loop 101.

9939 E. BAYVIEW DR. SCOTTSDALE SPECTACULAR WATERFRONT ESTATE IN NORTH SCOTTSDALE

Estate is currently going thru a massive transformation. Interior walls are being fin-ished with a smooth texture giving the home a modern flair. Dynamic floorplan withbreathtaking grand foyer entry. Impressive water views from nearly every room. Fullyremodeled kitchen with island, granite, and S.S. Viking appls. Transformation includeswine cellar, stone accents, cantera stone patio, and BBQ. Just Awesome.

7602 E. VIA DE CORTO AVE. SCOTTSDALE RESTORED SPANISH PRAIRIE GEM

Located in highly desirable Palo Viento in McCormick Ranch. Home has 4 BR, 2.5 BAplus great floorplan. Kitchen with new tile and newer appliances is complimented by thespacious breakfast area and Mummy Mtn views. Features include fireplace surround,stained wood beams, new dual pane windows, and hard wood floors. Outside, the largesparkling pool and lounging areas are perfect for entertaining or just relaxing.

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4 Winter 2008

McCormick Ranch Lifestyle

is published quarterly by

eClaire Publishing, LLC,

7349 N. Via Paseo Del Sur,

Suite 515-268

Scottsdale, AZ 85258.

Phone 480 212-6203.

Fax 480 699-2049.

Not responsible for

unsolicited materials.

Not affiliated with the

McCormick Ranch Property

Owners Association, nor does

the publisher endorse the

advertisers included.

This publication is sent to each

household on the McCormick

Ranch. If you do not live on the

McCormick Ranch or would

like a separate copy mailed to

you, an annual subscription fee

of $12 is requested.

In Every Issue:

Market Analysis . . . . . . . . . . . . . .6

Four Legged Ranchers . . . . . . .10

Resident Recipe . . . . . . . . . . . .15

Table of

Contents

Features:The World of Cosanti . . . . . . . . . . . . . . . . .12

Local Entertainment . . . . . . . . . . . . . . . . .14

Scottsdale History . . . . . . . . . . . . . . . . . . .16

Planning for Life . . . . . . . . . . . . . . . . . . . .18

Holiday Safety Tips . . . . . . . . . . . . . . . . .20

Local Business Highlight:

Storage Now . . . . . . . . . . . . . . . .8

JP Pancake . . . . . . . . . . . . . . . .19

McCormick Ranch Lifestyle 5

From the EditorLetter

“How are you surviving in this economy?” Someone askedme that the other day and it got me thinking about how lucky I'vebeen to have the support of family and friends in this endeavor.The fact that McCormick Ranch only grows in appreciation as awonderful place to live is also a blessing.

Sadly, many businesses have had to close their doors ordownsize in recent months. In this time of uncertainty, I amreminded of something I heard long ago: What you arebecoming is more important than what you are accomplishing.

In each issue, I try to touch on a variety of topics and, inparticular, of local concern. The subject of Cosanti wasinteresting to me because I have given many bells as gifts overthe years, but never really knew about the history of itsdevelopment or the man behind it. I hope you'll enjoy learningmore about this treasure just down the street.

As the year winds down, I hope we can all ring in 2009 with arenewed sense of peace and joy. This is a wonderful time of yearto be in Arizona!

Happy holidays,

Alexandra Duemer

8670 E. Shea Blvd. Suite 101 (NW corner of Shea &101— Pima Crossing) Scottsdale, AZ 85260

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6 Winter 2008

Market Analysisby Ray and Paul Slaybaugh

AAs we desert denizens wave goodbye to anotherscorching summer, we eagerly anticipate the RealEstate market improvements that migrate here annuallywith the cooler temperatures. Packed between thesocks and the sunscreen of our seasonal visitors,cautious optimism always visits in the winter. While thestatistics for the quarter marked by July 15th – October15th on the calendar are not particularly inspiring, it isnot altogether unexpected. Between the hundred andbazillion degree temps and general market slowdown,it hasn’t helped matters as the nation nervouslywatched Wall Street and election polls.

Believe it or not, year to year inventory levels foractive listings across the Valley are actually down byabout 4,000, but the pervasive foreclosure presencehas still precluded demand from catching up tosupply. Decreased purchasing power has contributedto the housing slump as well. As banks have failed orbeen gobbled up, the financial institutions andinvestors have become increasingly skittish aboutlending their money. As such, the buyer pool hasdiminished. That’s the bad news.

The good news is that many people are realizingthat there has never been a better time to buy RealEstate in Scottsdale and McCormick Ranch specifically.When the market is depressed, buyers return to thecentral, and historically desirable, neighborhoods first.Given the uncertainty with fuel costs, that factor loomseven larger today than in years past. Investors arecurrently gobbling up the bargain basement propertiesat a frenzied pace, thus bringing hope that we are at orvery near the mythical bottom that market watchersseek. As our friends from the North, Midwest and backEast descend upon our receptive community, we areconfident that many will seek to take advantage of theplentiful values and eat further into the over abundanceof listings which is holding our respective equitieshostage.

As the following statistics were prepared nearHalloween, I look forward to trading in the trick of thepast few months for the treat of a stabilized market. It’sstill a phenomenal time to buy, and hopefully, it will bea good time to sell again in the not so distant future.

There have been 27 closed sales of single-family

McCormick Ranch Lifestyle 7

MCRL

homes in McCormick Ranch over the past threemonths (7/15 – 10/15), for an average of 9 permonth. There are currently (as of 10/15) 110active listings. Even allowing for the historicalpattern of a summer slowdown in total sales,those figures demonstrate the challengesinvolved in selling a home in the currentenvironment. A basic extrapolation of theabsorption rate tells us that we have just over a12 month supply. In short, if no new homes werelisted, it would take a year to sell the currentinventory based on the current average.

The closed sales averaged a sales price of$503,397 and 2484 square feet, for anaverage of $213.73 per foot. Average marketduration was 117 days.

Current active listings average a list price of$728,541 and 2676 square feet, for an averageof $264.81 per foot. Average market duration is166 days.

There are currently 10 pending sales (inescrow). These properties average a list price of$551,670 and 2376 square feet, for an averageof $230.57 per foot. Average market duration is136 days. Please bear in mind that only listprices are available for pending sales. The actualsales prices will not be disclosed until settlement.

It’s been a trying stretch for homeowners, nodoubt about it. The numbers reflect what we’veall known to be true for some time. It’s just adifficult time to sell a house. That does not meanit is impossible, however. Proper pricing, stagingand marketing strategy will produce results.Believe it or not, many sellers still overprice theirhomes or fail to whip them into show worthycondition. To be fair, this is the domain of a RealEstate professional. This is no time to hire thatcousin who has a license that he never uses or alimited service brokerage. Regardless of whichMcCormick Ranch specialist you ultimatelyemploy, this is not a market for amateurs.

• Stay up to date on McCormick Ranch RealEstate news and community happenings byvisiting our blog atwww.McCormickRanchHome.Com orwww.ScottsdaleHousePeddler.com.

I

8 Winter 2008

In 2009, Storage Now will celebrate its 20th year rentingstorage space to Scottsdale residents. In that time ownerMarilyn Jury has seen the self-storage industry blossom andevolve. “When we first were looking for a businessopportunity in self-storage, there was nothing like this,” shesays of the 47,000-plus-square-foot indoor air-cooled storagefacility, with available air-conditioned units.

The facility itself is state-of-the art, with security alarms tothe main door and lobby, and individual alarms on eachstorage unit; the top floor houses smaller air-conditioned unitswhile larger units are available on the main floor andbasement. Managers are onsite at all times during businesshours. Resident managers live in a condo adjacent to theproperty, so they are right there if ever there is an emergency.

In addition to security, maintenance, curb appeal andcustomer service are of great importance to Jury and herstaff. “We want people to enjoy their storage experience. Wewant to make sure it is clean, light and airy so people feelcomfortable,” she says. “People really like the all-inclusiveenvironment where they can come inside and feel safe.”

Personal attention is a large part of the customer serviceaspect of the business. “We consult with our clients to try tofind the unit that would best accommodate their storageneeds,” says Jury. “And we have people onsite all the time toanswer phones, answer questions, provide currentinformation; it is far more personalized than a call center. Wegive excellent customer service — and we're very efficient.”

Jury likens her self-storage facility to a hospital. “Peopledon't know about us until they need us,” she says. And whenthey do, there is likely some trauma or drama involved.“When people need storage they are usually going throughan emotional or difficult time — they are moving, getting adivorce or have had a death in the family,” says Jury. “We tryto be aware of that and part of the job is listening to ourclients and help them get through what they need to getthrough.” In addition to her clients in life transitions, many ofJury's clients are out-of-towners who own a second homehere and store items during the summer.

Jury's clients most often learn about Storage Now fromsignage on the facility itself, repeat business and referrals.“The Internet is coming along slowly,” she adds. “But peoplewant to see their storage facility before they store, and forsecurity reasons, we don't rent space online. We want to seeour clients, meet with them and know who they are beforethey rent with us.”

In the near future, Jury is looking to open another facility inthe metro Phoenix area. “We determine a location bydemographics, traffic, and socio-economic scheduling,” saysJury. “Downtown [Phoenix] is a very good area.” In themeantime, Jury and her staff will continue to offer Scottsdaleresidents storage with a smile.

Storage Now480 998-3578

Local Business Highlight

“

”

We want people

to enjoy their

storage experience.

We want to make sure

it is clean, light

and airy so people

feel comfortable.

10 Winter 2008

MCRL

Holiday Pet Treat Recipe

AppleCinnamonDropsSubmitted by Danielle Vasta, owner of Bella's House & Pet Sitting

1 large apple

1/4 cup honey

1/2 cup water

1/2 teaspoon cinnamon

1 cup oatmeal

1 1/2 cups whole wheat flour

1/8 cup whole wheat flour

Directions:Preheat oven to 350°F (180°C).

Core, slice and mince the apple (use a foodprocessor if you have one).

In a large bowl, combine the minced apple bits,honey, water, cinnamon and oatmeal. Gradually blend inthe wheat flour, adding enough to form a stiff dough.

In a small bowl, add 1/8 cup wheat flour. Spoon thedough by rounded teaspoon onto ungreased bakingsheets, spacing about 2 inches (5 centimeters) apart.Using the bottom of a glass dipped in the wheat flour (toprevent sticking), flatten each spoonful of dough into acircle. Adjust the size of the drops based on how big atreat you like to feed your dog.

Bake for 30 minutes. Remove from oven and flip eachcookie to brown evenly on both sides. Reduce oventemperature to 325°F (180°C). Return to oven and bakefor an additional 30 minutes. Let cool overnight.

Makes about 36 crunchy cookies, depending on howbig you make them.

Name: Heathcliff & JessieAge: 7 and 2Parents: Jim & JoanFavorite Hobby: Watching quailFrom the parents: As the photos convey, it waslove at first sight with these two.

Name: Pabu, Belle, Manchu and JadenBreed: Shitzu’sParents: Yvonne & JoeHobbies: Walks in the parks and playing “fetch”!From the parents: Our McCormick Ranch StreetGang... they will steal your heart and lick you todeath!

Four Legged Ranchers

Submit your pet’s photo to

editor@mcrlife.com

IMPORTANT:

When taking your pets photos for submission

to our magazine, please use your digital camera’s highest resolution setting.

McCormick Ranch Lifestyle 11

602-509-5805 / 480-220-2337www.rayandpaul.com

• Ranch Experts Since 1974• Ranch Residents Since 1979• 40 Years Combined Experience• Top Selling Company in AZ• 100% Club• Executive Club• President’s Award• Who’s Who N. America

If you are buying or selling your home,call Ray & Paul Slaybaugh, the Ranch Experts!

WE SELLMCCORMICK RANCH

McCormick Ranch Lifestyle 13

ucked away just one mile west of ScottsdaleRoad on Doubletree is the historic site forworld famous Soleri Bells. Developed byPaolo Soleri, an apprentice of Frank LloydWright who moved here permanently in1956, Cosanti offers a unique experience in

our otherwise commercial world. In 1950, Soleri was commissioned to build a large

ceramics factory in his hometown of Turin, Italy. Theprocesses he became familiar with led to award-winningdesigns for the ceramic and bronze bells still made heretoday. Cosanti bells are prominently displayed inNeiman Marcus at Fashion Square and major hotelsaround the country. Soleri's work will also be part ofdowntown's renovation with the design of ScottsdaleBridge, currently under construction.

Cosanti is a word created by fusing together twoItalian words: “cosa” meaning things, and “anti”meaning against.When you arrive at the modestgrounds of Cosanti you'll notice the unique architecturewhich uses a simple technique of carving clay. Soleri'shome is also on the property and the oldest in ParadiseValley. He designed the buildings in 1961 withexperimental earth-formed concrete structures. Havinglived through the Depression era and World War II,Soleri believes strongly in doing more with less. Thestudio's carved structures were made from moundedearth cast in a layer of one-inch concrete. The naturalcurves make it structurally sound. Once the shell wasset the interior was dug out with the help of architecturalstudents from ASU and Cornell University.

Roger Tomalty, who has worked with Soleri for nearly40 years, says, “It’s funny how people around here havenever heard of him, but when his name is mentionedoverseas, they immediately know about his work.” Solerihas received many awards including the Gold Medalfrom American Institute of Architects and, more recently,the Cooper Hewitt National Design Award for lifetimeachievement.

Long before being green was a hot topic, Soleri hada vision for a car-free community that sustained itself.He created the term “arcology” to define howarchitecture can work in conjunction with ecology. Overthe years, he has written six books on the topic anddeveloped the community of Arcosanti which is a livingdemonstration of an alternative to suburbia. Located 70miles north of Phoenix, near Cordes Junction, Arcosantihas been under construction since 1970. Thehyperdense city is designed for maximum efficiency andprovides architectural research for students from aroundthe globe. “Students plug into the research we're doingat the time. The concepts are applicable to alldisciplines,” says Tomalty.

Interestingly enough, Soleri has enjoyed anotherhobby in his spare time. Over the past 60 years, he haspropagated over 750 olive trees from just 7 trees that heacquired when Camelback Road was expanded fromtwo to four lanes. Every October his olives are harvestedand pressed in Queen Creek. The oil is a fragrant

combination of his love for Italy, the Southwest, andbeing good to the earth. Bottles of the oil are alsoavailable for purchase at Cosanti.

Visitors can watch the bronze casting process atCosanti between 10:30am and noon every weekdaymorning. A silicon carbide bowl is heated with the metalto 2200 degrees. Smelters in Arizona have been closedfor many years, but expect to reopen soon. Once thebronze is cast, the sand mold is broken and the bell iscleaned, then treated with one of 4 coatings for afinished look. Special assemblies signed by Soleri arealso available in various metals. Tomalty says, “These area great investment, because the price of metal continuesto rise and, since Paolo will turn 90 in June, we don’tknow how many more of these he'll be able to do.”

Proceeds of the bells aid various organizations,including the Cosanti Foundation (a non-profit educationfoundation), in their fundraising endeavors. Bronze andceramic windbells are available in a broad price rangeand they are very unique since no two bells are thesame in tone or design. A special series called “Ring abell for a cause” also donates $16 to non-profits likeSave the Whale, Arizona Arts, and Ronald McDonaldHouse, to name a few.

If you've never been to Cosanti or are looking for aspecial gift that will be appreciated for years to come,this place is well worth a visit. As Tomalty says, “I'vealways felt good about participating in something thatserves humanity.”

For more information, or to schedule a guided tour,call 480 948-6145 MCRL

Cosanti workers pourbronze into bell molds.

14 Winter 2008

As we enter peak season in Scottsdale, there are avariety of activities to enjoy, with or without guests. Justa few minutes from our homes at one of the mostbeautiful resorts in town, the Hyatt Regency offers freenightly entertainment.

Recently undergoing an $80 million renovation, themain lobby has been completely updated for guests andvisitors to take full advantage of their live music anddancing on stage. Relax with your favorite cocktail or ahot cup of coffee while enjoying spectacular views of theMcDowell Mountains.

The schedule changes monthly, but here are the localmusicians you can expect:• Mosaico brings the joy and passion of the untamed

gypsy spirit with the engaging synthesis of theflamenco guitar, soaring flute, soulful song andstaccato footwork of flamenco dancers.

• Join Sirocco for the sounds of smooth, eclectic jazzas they combine elements of guitar, bass, saxophoneand the congo drums.

• Paul McDermand features exuberant steel drums andsoft, sensual marimbas with a vast array of standard,classical and popular works.

• Richard Griego brings a splash of Latin rhythm, adash of Classical structure, a pinch of Flamencotexture, along with a large dose of inspiration are justsome of the elements he uses in his quest to createhis own musical style.

• And every Friday at 5pm, Native American Dancersshare the culture and dances of their tribes.

Other free events nearby:• Concert series at the Borgata. Fridays 4-7pm• Holiday lights at the Railroad Park. Dec. 12 – Jan. 3,

6:30-9pm nightly.

EntertainmentLocal

McCormick Ranch Lifestyle 15

contributed by Philipe Cendre

Ingredients:

• 4 lb. filet or tenderloin of beef • 1/2 stick of butter• 3 tbs. oil• 2 sheets of frozen puff pastry dough, thawed• 2 lbs. Crimini mushrooms chopped • 5 shallots diced• 1/2 pint heavy cream• 1 cup of Port wine• 1 can of duck pate or goose liver• 1 can truffle pieces in juice• 1 quart of veal stock

Make sure filet is trimmed of fat and uniform insize. Salt and pepper both sides.

In a large skillet, add butter and oil on mediumhigh heat. Once oil is smoking, cook filet 4 minuteson each side. Remove the pan from the heat and letmeat cool a few minutes.

Using the same pan, remove the meat, sauteshallots and mushrooms until golden. Add salt andpepper to taste.

Add 1 cup of Port wine and reduce by half beforeadding heavy cream. Set aside to cool.Assembly:

Lay one pastry sheet on counter top or cuttingboard. Place filet in center. Spread pate uniformly ontop of filet. Top with the mushroom mixture andpress gently. Brush the edge of the pastry with anegg wash.

Cover entire filet with the other pastry sheet. Sealwell around the meat leaving ? inch of pastry aroundit. Press the edge with a fork. Brush the top andsides with egg wash for a golden crust.

Place the loaf on a baking sheet in a preheated400 degree oven. Cook for 8 minutes, then turnoven down to 350 for another 12-14 minutes formedium/medium rare. Let rest 5 minutes beforeserving.

Serves 8 people generously. Goes very well withgreen beans and roasted potatoes.

Resident Recipe

Beef Wellington

www.TheEdgeOnWellness.com

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9160 E. Shea Blvd., Suite 106

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Our Services Include:• Fitness Training

• CrossFit Scottsdale

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• KISS at the EDGE boutique

Enjoy Scottsdale's

NewestWellness Center

To submit one of your

favorite recipes for our

next issue, please email

editor@mcrlife.com

16 Winter 2008

provided by Insider-Scottsdale.com

SScottsdale is located centrally in the state of

Arizona. Smack dab in the middle of the SonoranDesert, with mountains ringing the city and giantsaguaro cactus guarding those mountains.

Scottsdale was first incorporated in 1951 and assuch is a relatively new city! And boy has it come along way. Scottsdale really came into its own whenthe U.S. Conference of Mayors named Scottsdale asone of the nation's “Most Livable Cities” in 1993. Wehave also been named “Number One ResortCommunity in America” and “A Fabulous Place toRetire”. We've been called “The Most Western Town”and in 2002, The Robb Report sited Scottsdale as“America's Best Place to Live for golf”. And we havea number of chefs listed on the “Ten Best New Chefsin America” listed by Food and Wine.

We know it's a great place to live, Scottsdalesparkles, everything is clean, manicured andlandscaped... and you'll see no billboards, whichtotally sets it apart from any other city you mightvisit! Our building height is regulated, so that nomatter where you are, you have at least a peak of amountain. The Spanish and Western Architecture isvery appealing and, of course, Frank Lloyd Wrighthas left his mark on our fair city.

The first known residents of Scottsdale were theHohokam Indians (about 800 A.D.) who farmed theland and built over 200 miles of canals (many ofwhich are still in use today) to carry water to theircrops. Can you imagine how they built these canals1000 years ago without modern tools or airconditioning?

Winfield Scott, the founding father of Scottsdalearrived about 1888 and purchased 600 acres justoutside Phoenix. The purchase was made throughthe Desert Land Act, which required the owner to

irrigate the land. He proceeded to plant his landwith citrus trees. (I don't know what made him thinkhe could come to the desert and plant citrus), butobviously ignorance was bliss and he proceeded tobuild an irrigation system that did the job very well.(how far we've come, now that only desertlandscaping is acceptable). The citrus thrived withthe irrigation system he developed, but a ragingflood in 1891 destroyed most of the citrus.

He then started campaigning to bring “settlers”to Orangetown. That name had been given to thearea because (you guessed it) of the citrus trees.However, and no one knows exactly how thishappened, Orangetown became Scottsdalesometime in the 1890s and officially in 1897 whenthe U.S. Post Office came to town.

Winfield Scott was no wild western hombre, but apreacher, farmer, business man and developer (yes,we had them even then). When he arrived therewere approximately 3,000 people in the Phoenixarea. Seven hotels, eight restaurants and probablysome bars. But he set out to attract more people tothe “Valley of the Sun”, and it worked.

The little farming community has grown up intoan upscale resort area, complete with spas,restaurants and shopping galore. It continues togrow with an influx of new people, new ideas, andnew developments. We boast everything fromArabian Horse Shows to Native American Casinos.Scottsdale was voted the “Most Livable City” in1993.

Most of the original settlers came for their health,those 300 plus days of sunshine probably had a lotto do with it, as it still does. With its populationgrowing daily, it would be hard for old Winfield Scottto find his way! MCRL

Scottsdale

HistoryHistory

C

18 Winter 2008

Current market conditions are more volatile than manypeople have ever encountered. It’s important toremember, in times like these, that volatility itself is partlydriven by unplanned, panic trading. “And that,” saysBob Jackson, Founder of Jackson Financial Advisors(JFA), “has never been a good strategy for long termadvancement. Now, more than ever, the fundamentals ofa reliable future are knowing your long term goals,planning to achieve them and steadfastly executing. Indifficult times, everyone suddenly gets back to thebasics. We never left them.” While everyone’s eyes areon Wall Street’s roller coasterperformance, JFA keeps watch overthe whole picture, guiding their clientsthrough diversified portfolios,including investments, tax benefits,estate planning and risk managementdecisions that are critical to creatingthe future you want.

Here are two case studiesillustrating JFA’s “whole life planning”approach.

Case Study One:Jackie was a senior executive at a

Fortune 1000 company, in her earlysixties, widowed, with two children.(She’s still waiting for grandchildren.)Jackie’s a busy woman, so busy, infact, that she had forgotten to exerciseher stock options, and had to do soquickly. She came to JFA, shocked by the taximplications of her decisions, especially as she wasconsidering her retirement options. Her planner satdown with her and discussed her goals, how she wouldlike to spend her time during retirement and what shewould like to be able to provide for her children.

JFA was concerned that more than 90% of her wealthwas in her company's stock, either in options, stockpurchase, or deferred comp. They helped her create avision of what life would be like when she wasn’tanswering emails or attending meetings. They thenhelped her set up a plan that included a target date forretirement, improved her diversification and tookadvantage of preferential IRS tax treatment. Jackie’s taxsavings over the subsequent years were estimated atover $30,000.

Eighteen months later her company was sold and shewas able to retire early. Again she sat down with her

advisor at JFA, who helped her roll-over her 401k assetsand manage her portfolio risk to secure her retirementincome. Jackie is now enjoying her retirement, doingwhat she loves best – being involved with her family andhelping with charities. JFA recommended her to a localattorney who could help her finalize her estate plan tobenefit both her children and leave the charitable legacythat is so important to her.

Case Study Two:Lester and Diane presented a different challenge.

They are both retired from seniormanagement positions. Happilymarried for over forty years, they nowenjoy their three children and manygrandchildren. But they felt that theirlifestyle was restricted by insufficientincome from Social Security andpensions, and they were reluctant totap their savings for fear of runningout of money. Lester and Diane wereseeking someone to look at theirwhole financial picture and help thembetter enjoy their retirement.

The first thing JFA helped them dowas increase their cash flow by almost50% through a personal pensionstrategy. Their advisor discussed howmuch income they could expect totake from their retirement accountsand still have enough for their life

expectancy into their mid 90's. They discussed how to"right size" into their dream home, why it may makesense to keep a small mortgage in retirement, and howto invest their IRA's to yield sustainable income. Theyredirected their low cost basis stocks into a diversifiedCharitable Remainder trust to secure a lifetime stream ofincome - and a large current tax deduction. Their advicehelped them to get more income while reducing theirtaxes. It took the worry out of retirement and put theenjoyment back in.

Your personal plan is driven by your values and goalsin life. It should adjust to, but never be driven by, currentconditions. That’s why Jackson Financial Advisorsbegins every dialog by asking their clients about theirhopes and dreams. It’s the beginning of a longrelationship that lets them discover how they can bestplan to achieve your life goals - and not simply react tomomentary conditions.

Planning for Life(Even in Volatile Times)

MCRL

Bob Jackson, Jackson Financial Advisors

I

McCormick Ranch Lifestyle 19

JP Pancake480 596-9369

If you've ever been by the shopping center on the southeastcorner of Hayden and Mountain View road on a Saturday orSunday morning, then you've seen the crowd gathering outsideof JP Pancake, patiently waiting for a spot inside the hip yetintimate diner. “I usually have a wait of about 30 parties on theweekends,” says restaurant owner Chad Dahl.

All these people are lining up just for a pancake? Well theseare no ordinary pancakes, and if you are a regular at thebreakfast joint, then you already know that the JP in theestablishment's moniker stands for just perfect. Delectablepancakes make up half the choices on the menu. The housespecialties — oven-baked pancakes — are available indelicious varieties such as orange cranberry and nutty apple.But if you don't want to wait twenty minutes for the oven-bakedvariety, traditional pancakes and pancakes “with pizzazz” areavailable as well. A scrumptious selection of waffles, Frenchtoast made with thick-cut challah, “griddle greats” combinationplates and oven-baked omelettes, such as the specialty HongKong, round out the morning menu.

Though JP Pancake has been around for nine years, theyoung owner-operator just took over the restaurant a year ago.“The [previous] owner stuck around for a few weeks to help meout,” says Dahl; after that, he was on his own. But the entire staffcontinued on with him.

A recent ASU graduate, Dahl had worked in the restaurantindustry growing up and he always wanted to own his ownbusiness. As a restaurateur, he enjoys the neighborhood aspectof the diner. He likes seeing the families that frequent hisrestaurant and visiting with his regulars during the slowerweekday hours. “There is one couple that comes in here alltime. They’re like 88 and 84, and have been together for 50-some years,” he says.

Dahl recently focused his efforts on life beyond breakfast —to lunch, that is. He took to his kitchen and beganexperimenting with some concoctions for the noontime menuthat he debuted in October. “I used my friends and staff asguinea pigs,” he says, smiling. “It's more of a light lunch withsmaller portions, and nothing is fried.” Some of the afternoondelights include panko-breaded chicken with cottage cheeseand cherry schezwan ribs with broccoli coleslaw. With theintroduction of the lunch menu, Dahl extended the restaurant'shours until 2:00 p.m.

The entrepreneurial-minded Dahl recently undertook a minorexpansion of the restaurant, adding more tables toaccommodate more diners. Now, the diner holds 18 tablesversus the 11 that it previously housed. In the future, he'shoping to share JP Pancake with residents outside ofScottsdale. “I am looking at a second location, maybe in Tempeor Chandler,” admits Dahl. That would be just perfect forbreakfast-lovers in the East Valley, but in the meantime, noamount of drive time is too far to enjoy an early morning meal or a noontime nosh at JP Pancake. MCRL

He likes seeing

the families that

frequent his restaurant

and visiting with

his regulars during

the slower

weekday hours.

Local Business Highlight

20 Winter 2008

If You’re Traveling ... • Set an automatic timer for your lights. • Ask your neighbor to watch your home,shovel the walks,pick upnewspapers,collect mail,and park in the driveway from time to time. • Be sure to hide any gifts that may be left in the house while you’regone.

If You’re Out for the Evening ...• Turn on lights and a radio or the TV so that it appears that someoneis home. • Lock all doors and windows while you’re out,even if you’ll be gone forjust a few minutes. • Do not place packages or gifts near windows or in other high-visibility sites.

If You’re Shopping ...• Don’t let your guard down just because you are rushing. • Stay alert and be aware of everything around you at all times. • Park in well-lighted spaces and as close to the store as possible,lockyour car doors, and hide packages in the trunk or under the seats. • Do not carry large amounts of cash;pay with a check or credit card ifpossible. • Make sure that you do not carry all your packages at the same time. • Carry your purse close to your body,not dangling by the straps. Put awallet in an inside coat or front pants pocket. • If you take your children shopping,teach them to go to a policeofficer or a store security guard if they get separated or get lost.

If a Stranger Comes to the Door ...• Stay alert to suspicious-looking couriers delivering packages to youor your neighbors. • Many con artists take advantage of holiday generosity by going door-to-door. Ask for identification and get specifics to how and where thedonations will be spent/used. • If you feel uncomfortable,just say “no thank you” and shut the door.

If You’re at Home ...• Turn on outside lights to deter burglars. • Report any suspicious behavior to the police or local communitywatch groups. • Make sure your homeowners (or renters) insurance is up-to-date andeverything is inventoried properly.

provided by the National Crime Prevention Council

This holiday season,

don’t let the spirit of

giving lull you into giving

burglars, muggers, nor

pickpockets a chance to

do their dirty work.

Criminals love the

holidays as much as

everyone else, chiefly

because it’s a perfect

opportunity to commit a

crime. Keep these tips in

mind for a safe and

happy holiday season.

HolidaySafety

MCRL

McCormick Ranch Lifestyle 21

(480) 998-14857000 E Shea Blvd #1310 • Scottsdale, AZ 85254

www.pilatescorps.com

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The items listed below all have one thing in common:They interfere with your central nervous system. I like tosay these toxins are blocking your “Free FlowingEnergy”. The bad news is interference to your CNS cancause numerous health problems. Here is a list of somecommon items in your home associated with thesetoxins.

1. Scented Candles/ Air FreshenersA common cause of respiratory problems. Also

known to cause dizziness and depression. A study published in Archives of Environmental

Health shows that children exposed to air freshenerssuffered more from diarrhea and earaches, while theirmothers had more headaches and depression,according to a study of 14,000 households. Try usingessential oils or boil some water with vanilla in it.

2. Traditional LotionMany traditional lotions are filled with toxic

ingredients like:Mineral oil -- A known cancer causing agent and a

leftover by-product when crude oil gets converted togas. Yes, this is the same mineral oil that many peopleare rubbing on their babies. Stop!

Parabens -- A recent study published in the Journalof Applied Toxicology found that methyl parabensdisrupt keratinocytes in skin, possibly speeding up theaging process. Ironically, these are the parabens foundin most make-ups and anti-aging creams. Try usingExtra Virgin Coconut Oil instead.

3. FragranceFragrance is commonly found in deodorants,

perfume, shampoos, conditioners, and baby skinproducts. Negative health effects: Nervous systeminterference, depression, carcinogenic and toxic. Visitwww.rich-hippie.com for handcrafted organicperfumes.

4. CornYes, no more corn, unless you can be absolutely sure

it is Organic. Ninety percent of corn grown in the U.S. isnow genetically modified. This has never been tested onhumans, but we are seeing some frightening results onlab animals. Cellular damage, stomach bleeding, anddamage to liver and pancreatic cells to name a few.

5. Negative Thoughts Negative thoughts only breed more negativity and

can be very detrimental to your health, so throw themout along with the other products listed above!

Article submitted by Dr. Peter Smith, author of TheBody Green Diet. Visit www.bodygreen.org , Arizona’snumber one health news source, to receive free healthalerts. MCRL

22 Winter 2008

Marketplace Energy Saving

Tips

from the U.S. Department of Energy1. Lower the thermostat on your hot water heater to

120 degrees.

2. Drain a quart of water from your water tank every3 months to remove sediment that impedes heattransfer and lowers efficiency.

3. Consider a swimming pool cover to reduceevaporation.

4. Water outdoor plants in the late evening forminimal evaporation.

5. Use a timer or motion sensor on your outdoorlights.

6. Consider three way lamps or compactfluorescent bulbs. They use 25% less energyand last 10 times longer.

7. Conduct an energy audit of your home to find airleaks and check for proper insulation. Propercaulking, sealing or weather stripping will saveat least 10% on your energy bill.

8. Unplug appliances not in use (like VCR's,stereos, computers, kitchen appliances). 75% ofthe electricity used to power home electronics isconsumed when products are turned off.

9. Turn your computer monitor off or to sleep modewhen not in use.

10. Use rechargeable batteries.

11. Use the cool down cycle on your dryer to allowclothes to finish drying with residual heat fromthe dryer.

12. Clean the lint filter on your dryer after every loadto improve air circulation.

13. Air dry dishes instead of using your dishwasher'sdrying cycle.

Save up to 50% off inkjet and laser cartridge refills

Next to Michael’s

McCormick Ranch Lifestyle 23

Dennis & Darlene Zambo8989 East Via Linda, Suite 114 (480) 451-6566Scottsdale, Arizona 85258 Email: booktreeaz@cox.net

Monday - Saturday10:00 - 5:30

Marketplace

NEEDLEPOINTclasses-accessories-mail order

8989 E Via Linda #113

Mon-Fri 10am -5:30pm

Sat 10am-4:30pm

480-551-1423

www.quailrun-inc.com

Brain Sport Bridge ClubThe New Club in Town!

Mountainview Plaza Suite 105Club: (480)-607-5505

Evening: (480)-922-2892

HOURSMon-Fri 9:30 AMMon-Sun 1:00 PM

www.brainsportbridgeclub.com*Club is on the SE corner of Hayden & Mountainview

Delicious meals without the hassle!If you’re too tired to cook or simply don’t have the time,

enjoy the luxury of my culinary skills.Weekly meals at minimum costs. I also cook for parties and special events.

References available upon request.602.765.4998 pataribeiro@cox.net

www.patricaribeiro.com

Patricia RibeiroPersonal Chef

Features at a glance: Soaring cathedral ceilings, 2,001 sq. ft., fireplace, 2 bedrooms, 2 baths, office, breakfast room in kitchen, dining room in living room. Single level, no interior steps, 2-car garage. Heated community pool. HOA maintains front landscaping. Great home for downsizing from Paradise Valley or as a sunny, relaxing winter retreat.

For more information go to: www.ScottsdaleLakefront.com or call John Wake directly at 480-596-3851

John WakeAssociate Broker, M.S., ABRHomeSmart Real Estate480-596-3851 direct480-600-0947 cellJohn@HomeSaleNews.com

MLS#3004174 8514 N. 84th Street, Scottsdale

Lakefront Leisureat Las Palomas in

McCormick Ranch

MLS#4054990 7505 E. Woodsage Ln., Scottsdale

Relax on your back patio watching ducks, white egrets and

other birds fishing in Lake Nino while you recharge with the calming sound of water flowing

in from Lake Angela. This gorgeous and rare waterfront home is in the exclusive guarded community of Las Palomas in McCormick Ranch with a wonderful floor plan waiting for

your designer touch.

PerfectScottsdale

Vacation Home!

Fantastic neighborhood tucked in between two much more expensive neighborhoods, Paradise Valley Farms and Gainey Ranch. Close to the restaurants and shopping on Scottsdale Rd. Tons of golfing nearby.

To list your McCormick Ranch home for sale, call John Wake, Associate Broker with HomeSmart Real Estate and receive a free listing proposal.

Features at a glance: Large master bedroom suite with huge walk-in closet, sitting area and exercise/yoga/mediation area, Bidet, large 2nd and 3rd bedrooms, cathedral ceiling in living room. Bonus/game room could be large dining room. Diving pool, low maintenance, lock & leave landscaping, two-car garage with built-in cabinets. Many upgrades! Carved fireplace, crown molding, coffered ceiling and skylight in dining room, corbels and beams in master & breakfast room, tongue and groove ceiling in kitchen, game room. Furniture available on separate bill of sale.

For more information go to: www.7505Woodsage.com or call John Wake directly at 480-596-3851

McCormick_Ad_8.5x11_1008.indd 1 10/27/08 7:28 AM