Whether home-based, or a brick and mortar location you have worked day and night to get where you are today….and for all of the planning, strategizing, compromising, and juggling that have gone into your success, did you factor in a plan for  business continuance?

As a business owner, you know many have come to depend on you for a product or service…your family, your employees, and your customers, to name a few.  If you were to become permanently disabled, or die, would your business survive?  Could your spouse or heir step in and maintain the same degree of success without you?

A well defined business continuance strategy can help immensely, in a time of potential chaos.  Whether a sole proprietor, partnership, corporation, or LLC, a little foresight can help make the transition smoother.  Let’s take a look at each:

SOLE PROPRIETOR

Did you know that:

• Approximately 80% of all U.S businesses are sole proprietorships
• All management responsibility rests with the sole proprietor
• All property is owned and titled to the sole proprietor
• All income and expenses are reported on individual income tax
• The sole proprietor is individually liable for the actions of the business
• Business ceases with the death of the owner

Unique Concerns

• How to maintain cash flow
• How to maximize personal take home
• How to minimize overhead
• How to attract and retain “key employees”
• How to retire successfully
• What happens to the business if the owner becomes disabled or dies

Options at Owner’s Death:

• Liquidate the business
• Manage by an executor
• Transfer through a will
• Sell to an employee or competitor

PARTNERSHIP

Did you know that:

• Approximately 8% of all U.S businesses are partnerships
• All management responsibility rests with the partners
• All property is owned and titled to the partners
• All income and expenses are reported on individual income tax
• Partners are individually liable for the actions of the partnership
• Business must be reorganized with the death of a partner

Unique Concerns

• How to maintain cash flow
• How to maximize personal take home
• How to minimize overhead
• How to attract and retain “key employees”
• How to retire successfully
• What happens to the business if a partner becomes disabled or dies
•  

Options at Owner’s Death:

• Liquidate the business
• Sell out to heirs
• Reorganize

CORPORATION

Did you know that:

• Approximately 10% of all U.S businesses are corporations (C, S)
• All management responsibility rests with the board of directors
• All property is titled and owned by the corporation
• All income and expenses are reported on corporate (C), personal (S)
• Liability is limited to assets of the corporation
• Stock is easily transferred at death of a shareholder

Unique Concerns

• How to grow the value of the stock
• How to avoid double taxation
• How to maximize tax deductions
• How to attract and retain “key employees”
• How to retire successfully
• What happens to the business if a shareholder becomes disabled or dies

Options at an Officer’s Death:

• Accept heirs as co-owners
• Take in outsiders who purchase the decedent’s interest
• Sell out to heirs
• Buy out the heirs

LIMITED LIABILITY COMPANY

Did you know that:

• Approximately 2% of all U.S businesses are LLC’s
• All management decisions rest with the members
• All property is titled and owned  by the LLC
• All income and expenses are reported on individual returns
• Liability is limited to assets of the company, not personal assets

Unique Concerns

• What happens if a the business grows too much
• An LLC allows for distribution of profits disproportionately
• Some professions may be prohibited by their state from becoming an LLC
• How to retire successfully
• What happens to the business if a member becomes disabled or dies

Options at an Officer’s Death:

• Liquidate
• Reorganize
• Sell out to heirs

Although each of these four entities has specific concerns, and there are many options, open to them, some of the most common include – Financing a Key Person, Buy-Sell Agreements, and the Executive Bonus (162).  A brief summary follows…

Financing the replacement of a Key Person:

• Pay for the search and training in cash
• Establish a sinking fund
• Borrow the money
• Life insurance

Methods of Valuing a Key Employee:

• Replacement cost method
• Contribution to profits method
• Multiple of compensation method
• “Seat of the pants” method

Buy-Sell Agreement:

• Owner creates a written plan for the transfer of their business, taking into consideration concerns for family, partners, members, board, and/or employees.
• Through the use of life insurance, funds become available for the purchase of the business, by a third party, interested/capable of continuing business operations.

Executive Bonus (162):

• Successful business owners want to move money out of their business account and put it in their personal account, in a tax favored way. 
• They also want to reward their best and brightest employees.
• The executive bonus (162) plan allows for this and also to recruit, reward, retain and retire selected employees. 
• This is a plan where bonus dollars can be segregated and discrimination is allowed, at the owners discretion, for selected employees.

Sole proprietors, partnerships, corporations and LLC’s may choose to implement one or more of these same options.  Each will have specific concerns, and anticipated results.   If you are interested in learning more, please contact me through the Ocotillo Chamber website, or:

Chryssoula DePuydt

Farmers Insurance

480-678-7889

2. Learn about your referral partners’ services and how to spot leads for them. You must know enough about what your partners do to be truly effective. Review their materials and ask them to give you their client presentations. Ask them how they acquire clients, what their average client looks like, what the appropriate qualifying questions are, and, what is most important, how you can help them.

3. Don’t keep score. If you give a referral partner four leads and he gives you two after you have both made your best efforts, you have done what you set out to do. Treat your networking relationship as you would a friendship.

4. Realize that networking involves a sense of urgency and obligation. I know this is the opposite of No. 3. But for networking to work, you should actively try to help someone who has helped you. Go through your client lists, review the names in your Rolodex and don’t wait for the client with a flashing light that says, “I need a CPA” to walk through the door before thinking about making a referral.

5. Show your referral how your services may add value to his business. Explain how your services enhance the value of your referral’s practice by making his business process move more easily or more quickly or by enhancing his prestige and professional credibility. Position your services in a way that shows value to both the prospect and the networking contact.

6. Show gratitude and appreciation to your referral. If a contact provides you with a well-researched lead, thank her and take her to lunch. Remember to treat her like a friend.

7. Maintain the trust that making a referral involves. Making a professional referral requires a great deal of trust because what happens will ultimately reflect on you. Remember that if the situation does not work out, you will have two disappointed and unhappy people on your hands—the referral source and the client. Deliver high levels of service and follow-through, and always have realistic expectations.

8. Spend your time selling the services of your referral source. You are very credible in describing the services of people you trust. Use strong adjectives such as honest, skilled, etc., in doing so. Helping a networking partner to close a deal and sell his services is the biggest help you can offer.

9. Put the time in. As you reap, so shall you sow. Networking can be very effective, but it requires a sustained and consistent effort and must be nurtured over time. Keep in touch with your referral partner and always advise him of any changes or new products and services you might have.

10. Be selective about who you network with. This allows you to give your time both tactically and selflessly to working with these individuals. Pick the right partners, give the partnership a sincere and sustained effort, and don’t be afraid to make changes. Here are some questions to ask when choosing networking partners:

• Who has sent me good leads in the past?
• Who sells to the same people I do?
• Who benefits from the same events and circumstances that I do?
• Whom do my competitors successfully network with?
• Whom can I help?
• Who has asked me for help in the past?
• Whom have I been able to help in the past?
• Who wants to help me?
• Who is really good at networking?

Ike Z. Devji, J.D., is executive vice president of The Wealthy 100, a wealth-strategy firm in Phoenix, and of-counsel to the law firm of Lodmell & Lodmell, P.C. He consults on asset protection for high-net-worth clients. You can contact him at id@thewealthy100.com.

http://www.advisortoday.com/archives/article.cfm?articleID=680

Indoor simulators are more sophisticated than ever, but they still have their limitations

By JEFF NEUMAN

The game of golf has a lot to answer for: complex rules, white belts, high levels of frustration and profanity. But at least when you play, you're out in the elements, interacting with the natural world.

Unless you're not.

"The mainstream golf world doesn't grasp the idea that there are a lot of rounds of golf being played indoors," said Bill Bales, the founder and CEO of aboutGolf, one of several companies which design and manufacture golf simulators. "They don't count these rounds, but they're wearing golf shoes, using their clubs and balls, having a satisfying experience playing against each other and by themselves."

Brandon Sullivan for The Wall Street Journal
A simulator at www.CrosswoodsGolf.com in Chandler, Ariz. last week; It was 109 degrees outside.

Luke Donald is one of them. Currently ranked 10th in the Official World Golf Ranking, he lives in Chicago and put an aboutGolf simulator in his home a year ago. "I use it in the winter as a way to practice, simulate real golf and play some golf courses that we play on tour," he says. "You can work the ball left to right and right to left and it's very accurate."

That's a pretty good endorsement, and there are other signs of success: the sims are big in Korea and other parts of the Far East, for example. There is a residential market for those who, like Tour pro Mr. Donald, can afford the $50,000-60,000 price tag. But Mr. Bales and his fellow entrepreneurs also have their eye on driving ranges, golf shops, teaching pros, recreational centers, and the occasional bar and grill.

"I really think we can grow the game of golf beyond the circle of current golfers by creating this thing that is like the game outdoors, but you can do it at night, you can do it for an hour, you can do it without anyone behind you trying to hurry you along," says Mr. Bales.

Golf simulators have been around since the early 1970s. They were amusement park novelties, tucked in the back of a retail shop or in a forgotten corner of a golf center. Today, the technology has improved vastly.

"The hardest thing to do is to convince someone who played in a sim 15 years ago to come and check it out," said Ken Reynolds, whose company, EverGreens Golf, became an aboutGolf dealer after operating an indoor golf center. Those antediluvian machines featured grainy photos of a course projected onto a simple screen; you whacked a ball into the screen, a device measured the time it took for the ball to pass through two points, and after calculating and extrapolating, it told you your distance and transported you to your next location.

Today's most advanced simulators put you in a true 3-D environment, as though you've been transported physically into an ultra-high-def video game. Stereoscopic cameras are trained on the hitting zone, where they record club speed, ball speed, launch angle and all components of spin. The flight of the ball, projected into the virtual course in the time it takes the ball to hit the screen, replicates the shot that would result in the outside world with remarkable precision.

Full-swing simulators have to serve two distinctly different purposes: entertainment and performance. The entertainment side is on display at the indoor centers that are springing up around the country. For some, golf leagues have taken the place of bowling leagues for an evening's recreation; there are couples' leagues, skins games, match play, all on simulations of great courses around the world. Brad Lefebvre, Chief Development Officer for the Crosswoods Indoor Golf Centers in the Phoenix area, travels with a group of friends who use the simulators to familiarize themselves with places they're planning to play.

"I can bring a client in and we can play in two hours," says Mr. Lefebvre. His leagues attract golfers looking to avoid the blistering summer heat and occasional winter rains. "It's the first time in my business life I pray for bad weather."

But it's the performance side where things have changed the most. The old simulators were notorious for simplifying ball flight. The swing that gave you a big drive down the fairway indoors might produce a duck-hook on the course; the machines were useless for serious practice. Today, they provide all the feedback a golfer can handle, with angles and velocities for every shot.

Retailers have found them useful for club-fitting. More than 85% of all clubs are purchased at off-site retail outlets, in a process Mr. Bales calls "FMWAI," pronounced fim-way. It stands for Five Minutes With An Idiot. An accurate simulator will provide the necessary data for an accurate fitting, even when operated by a temporary employee at a chain store.

There's also teaching. "We had one kid who didn't hit the ball high enough to get out of chutes and over trees," says Dave Hollinger, men's golf coach at the University of Waterloo in Ontario. "He worked all winter on getting his ball flight right, and he reached the round of 16 at the U.S. Amateur Public Links championship, and finished seventh at the Canadian Amateur."

Then there's self-instruction, perhaps the biggest market of all. Only 10% of golfers take lessons, and if most golfers practice at all they must work on their own.

What do simulators do best? On full shots, they deliver a good measure of realism and accuracy. But roughly half the shots in a round of golf are played from within 50 yards of the hole, and it's here that the indoor game requires some large mental adjustments.

On touch shots like pitches and chips, golfers generally pick out a target visually and play the ball to that point. On a simulator, you have to play from information instead of what you see. If you're 30 yards from the green, you have to develop the feeling of hitting the ball 30 yards; it becomes a question of muscle memory rather than hand-eye coordination and judgment.

The putting elements have improved, but they call for a similar adjustment; you have to learn how softly to stroke an eight-foot putt towards a hole on a screen 25 feet away. The good thing is, we can all use more time practicing eight-foot putts, but it's difficult to hold onto that feeling when you go back outside and face a whole different set of sensory inputs.

No simulator can prepare a player for the variety of lies and ground conditions he'll find on the course. Every lie on an artificial mat is level; uphill, downhill, and sidehill lies require knowledge and practice you can't get indoors. Some simulators deduct distance for a shot out of thick rough, but that does little to help you learn how to hit it. The same goes for hitting from the sand.

Mr. Bales acknowledges these shortcomings, while enthusing about "trajectory physics" and "aero coefficients." On the company's test range, he is seeking "sub-millimeter accuracy in pinpointing the position of a ball in space. When we have all that data, then we'll have the Holy Grail of simulator accuracy."

Sportswriter Jeff Neuman is co-author of "A Disorderly Compendium of Golf." John Paul Newport is off this week. Email: golfjournal@wsj.com.

http://online.wsj.com/article/SB10001424052748704476104575439930415091158.html?KEYWORDS=crosswoods

Mission and Vision

At Paz de Cristo, we believe that everyone deserves to be treated with dignity and respect.  Paz de Cristo serves those in need with a daily evening meal service and the provision of food boxes through the collaboration with many dedicated volunteers.  We also provide community referrals to housing and medical care and offer preparation for meaningful work.

Project Description

The Daily Evening Meal service operates 365 days a year and is the only program of its kind in the East Valley and because of it many individuals do not go to bed hungry.  In 2009, over 100,000 daily evening meals were provided to more than 85,000 individuals.    Paz de Cristo is licensed through the state of Arizona to serve 250 individuals daily.  On most nights, we are at capacity of individuals and some of these individuals dine more than once at our facility.    The value of our five course meal is $3.90

The Food Box program provides nutritional, emergency relief to families in need.   In 2009 this program distributed 20,629 emergency food boxes to families to serve a total number of 87,688.  Each food box is intended to sustain a family of four for five days.  Each food box weighs approximately 60 pounds and is valued at $65.

www.pazdecristo.org 

One of the first programs of the Skin Cancer Foundation in 1979 was the Seal of Recommendation that could be placed on sun protective products in order to set a standard  for effective sun protection.  In order for a product to received the Seal of Recommendation from the Skin Cancer Foundation, the manufacture must provide the scientific data showing that its product sufficiently and safely "aids in the prevention of sun-induced damage to the skin".   The information received from the manufactures goes to a committee who are photobiologists volunteers.  Photobiologists are experts in the study of the interaction between ultraviolet radiation and the skin.  Sun screen products in the United States must meet the following requirements in order to carry the Seal: 

• Sun Protective Factor (SPF) of 15 or higher
• Validation of SPF number by testing on 20 subjects
• Substantiation for any claims that a sunscreen is water or sweat resistant
• Acceptable results for photo toxic reactions and contact irritant testing on 20 subjects

The Skin Cancer Foundation  has a website at www.skincancer.org in which you can view products that have received the Seal of Recommendation. 

JAFRA has approximately 15 products that carrier of the Seal of Recommendation from the Skin Cancer Foundation.  Look for the seal throughout the JAFRA catalogs and website. Jodi Stephens, Independent Skin Consultant can assist you in a product recommendation.  The Skin Cancer Foundation has recommends a sun protection regimen that includes sun screen  SPF 15 or higher since 1979. 

 While supplies last through the month of August when you order JAFRA Dynamics Skin Care Set you receive a FREE Face Protector, SPF 40 ($ 12.00 value) which is Skin Cancer Recommended. 

 One significant notiable about the website at www.skincancer.org is in the hand cream section only four products were listed and two of those four products were JAFRA hand creams that have SPF 15.  Your hands get maximum exposusre that can cause wrinkles and sun spots. You will want to protect them with hand creams that give you sun protection.  All JAFRA's products in the hand therapy treatment are suitable for both men and women of all ages. 

 One of the Specials in the July/August Brochures is the Hand Care System which includes Therapy Hand Scrub 2.5 fl. oz., Paraffin Hand Mask, 2.5 fl.oz., Day Therapy Hand Cream SPF 15 with intellishield, 2.5 fl. oz. , nail buffer, and Free Oval Tin  at a Special Price of $ 38.50, a savings of $ 7.50.  This is a great gift! 

                                                         Statistics from the Skin Cancer Foundation state that:

                                         ..."skin cancer is the most common form of cancer in the United States".

                                       ..."one in five Americans will develope skin cancer in the course of a lifetme".

                                         Let's start now and be wise about sun exposure and how to protect our skin!

Jodi Stephens

Independent Skin Consultant

     JAFRA Cosmetics      

Email Jodisalesjafra@gmail.com

Go to my website at www.myjafra.com/jstephens  and check out July/August Specials! 

Not everyone’s a natural conversationalist. In fact, 93 percent of us self-identify as shy, says Susan RoAne, known as The Mingling Maven and best-selling author of How to Work a Room. Here are tips for entering a room of strangers and effectively working the room:

• When entering a room, head for the dessert table. People who are contemplating calories will always talk to you.
• Don’t approach two people in a conversation; opt for three or four people. It’s an easier number to approach and reduces the chance you’re interrupting a private or sensitive conversation.
• Looking for an “in” to a conversation? Say, “Excuse me, may I join you?” It’s an elegant way of inserting yourself and no one’s ever said no.
• Wear something people can connect with. Madeleine Albright always wore beautiful brooches, so people would start conversations about that.

And one tip from a SUCCESS editor: Before a social gathering, catch up with what your friends are doing on Facebook. With this information, you can easily strike up a conversation about mutual interests or their latest vacation. Something easy like, “I saw your vacation photos on Facebook—where in Mexico was that?” is a great way to get them talking about their favorite topic—themselves.

I’m a weight management expert so how does this fit into living healthy? The first ingredient to living a healthy lifestyle is to love you! That sounds easy but a large number of chronic dieters do not love themselves. So to create a healthy lifestyle the first step is think that you love yourself. The next step is to act like you love yourself. Here are some tips:

• Repeat in your head several times a day especially during meal time “I love myself”.
• View food and exercise as a way of showing yourself love: a gift to your body.
• View unhealthy foods not as treats but as unloving acts.
• Keep healthy food available for meals and snacks.
• Plan exercise as a part of your normal routine. Set an appointment and keep it just as you would a doctor appointment.
• When repeating the mantra “I love myself” notice the little voice in your head that says “I would love myself if _______”.  That little voice is telling you what you need to address.
• Click here for the rest of the healthy lifestyle tips: www.EliminatingEmotionalEating.com

Submitted by Jodi Stephens

I wanted to pass this article on to others who may not realize the dangers of not drinking enough water during these hot days of summer here in Arizona.  Jafra is a support of the AHA Go Red for Women Campaign, and I feel  it's good to share heart healthy awareness. 

Article from Prevention Magazine July 2010

Downing enough water keeps your heart strong.  Stay hydrated in the heat, with tips from cardiologist Arthur Agatston, MD.

Dr. Agatston Says:  Your blood is 80% water; if you don’t replace what’s lost every day, blood thickens, forcing your heart to work harder and raising your risk of a heart attack. 

As the year’s most oppressive weather descends upon us, I remind all my patients that staying properly hydrated is one of the simplest yet most effective measures they can take to protect their hearts.  Unfortunately, hard-to-squash myths and misleading ads for energy drinks complicate and confuse a subject that should be neither.  Let me sort it out for you: 

• Forget the 8 glasses rule.  Even though it’s been popularized in the press, there’s no scientific basis for dinking eight 8-ounce of fluid daily.  Sixty-four ounces way be too much for inactive people or far too little for those who exercise or work outdoors.  Hydration needs can change daily and are highly individual. One easy, any time check of hydration levels is urine color.  The darker it is, the more likely you’re dehydrated.  It’s a more accurate measure of hydration that thirst.

• Look for a 2-pound weight loss.  To gauge if you’re adequately hydrated, the American Heart Association recommends weighing yourself after using the bathroom in the morning.  If you’re 2 pounds less than normal, you’re likely dehydrated and should drink before doing anything vigorous. 

• Drink more above 70/70.  When the temperature and humidity are both 70, you enter the dehydration danger zone, the AHA says, Sip frequently from a water bottle, and drink before, during, and after vigorous activity. 

• Stay Away from energy drinks.  They contain large amounts of sugar and stimulants that can be counterproductive and dangerous.  Researchers found that brands with caffeine and the amino acid taurine significantly raise blood pressure and heart rate; if you have hypertension or heart disease, avoid them.   

By Lauri Dodd

She never suspected a thing.  She never had any symptoms that would have warned her to be careful. True, 33-year-old Chafica Miles was busy, working long hours to make ends meet for herself and her 6 year-old daughter.  But then, what single mother isn't? Stress had become a way of life, and exercise was a good way to keep it in check. So as soon as Miles got home that evening in June, she headed down to the basement to squeeze in a workout. Little did she know it was a night that would change her life forever. 

Women tend to care for the others around them first, often forsaking their own healthcare needs. 

Sometime afterward, Miles started experiencing chest pains and shortness of breath.  And she instinctively knew her symptoms weren't related to her workout. She needed to get some help--quickly. She had a neighbor watch little Chantal.  And, believe it or not, she drove herself to the hospital emergency room, something she now regrets and warns other women not to do. 

It turns out that Miles needed immediate surgery to repair a hole in her heart the size of a silver dollar.  Apparently she had lived her entire life without experiencing symptoms, and her condition had managed to elude doctors for more than three decades.  She says she must have had a guardian angel watching over her. 

In the blink of an eye, this young mother had been jolted into awareness of her own fragile condition. Both Miles and her doctors were amazed that someone so young with no risk factors could have such a diagnosis. 

A Lot to Learn

Miles and her doctors had a sharp learning curve ahead of them.  Not only can heart disease affect anyone at any age, but it can also strike without warning signs or symptoms.  Heart disease is the No. 1 killer of women, as well as of men.  In fact, cardivascular disease claims the lives of an estimated 460,000 women every year--a rate of nearly one death per minute. The problem is one of awareness, and because of that, women (and their healthcare providers) often miss the early warning signs that could potentially save their lives.

Accorinding to the American Heart Associaton, there are a few reasons doctors treat women differently than men when it comes to heart care.  Amoung those are that most of the original research studies were conducted on men, and traditional diagnostic test may not be as accurate in women.  So medical professionals have their work cut out for them.

Life for Miles has changed dramatically in the 16 years since that fateful summer evening. As a home-based business owner with JAFRA cosmetics, she was able to grow her business and make money through out her recovery. But, most important, she has been able to slow down and spend more quality time raising her daughter--and appreciate every precious moment to the fullest. 

Looking back, Miles knows she was a ticking time bomb just waiting to go off, and she considers herself lucky to have a second change to get things right.  "Now I make sure to take time out for myself-so I can be here longer for my daughter," Miles says. 

Striking a Chord

Every year, hundreds of thousands of women like Miles find themselves facing a diagnosis of heart disease, and there seems to be a common denominator in a majority of the cases.  Generally speaking, women tend to care for others around them first, often forsaking their own healthcare needs, or at least putting them on a back burner.  Today, Miles reaches out to other women to warm them to slow down and care for themselves-to make time for their own better health and for regular checkups.  The need for greater awareness prompted the American Heart Association in 2004 to step up its efforts to educate women about heart health with their Go Red for Women campaign. 

The key to preventions of heart disease should really come as no surprise.  The simple steps women need to take are not unlike those related to other diseases: 

• Modify your diet
• Increase exercise
• Find a friend or group to support you in your new lifestyle changes

It's always more fun to walk with a friend, and she'll help to keep you on track when the chocolate cravings stike. 

Thankfully, word is getting out, but there is still much work to be done.  Important advise from many survisiors is to listen to your body and trust your instincts.  You know better than anyone when things aren't quite right.  "Don't discount even the littlest thing," Miles says "because it could be a warning sign of something significant." And if you encounter a doctor who ignores your concerns, find a new doctor.  Your life may depend on it. 

JAFRA is an offical supportor of the American Heart Association's Go Red for Women Campaign with a 2010 goal of contributing $ 100,000.

When you order

Lip Plumping Gloss, 1.5oz

and your choice of an Alwyas Treatment or Ultra Creamy Lipstick

at a special price of $ 20.00

JAFRA will donate $ 1.00 to the American Heart Association Go Red for Women Campaign  

Or

Go Red Heart-Shaped Mirror

and Ultra Shine lip Gloss

at a special price of $ 12.00

JAFRA will donate $ 2.00 to the American Heart Association Go Red for Women Campaign

Contact Jodi Stephens

Independent Skin Care Consultant

JAFRA Cosmetics

Jodisalesjafra@gmail.com

www.myjafra.com/Jstephens

One of the biggest problems for frustrated and confused home owners is where to turn for help, and where to get straight and accurate answers. Many people in Arizona are under the impression that they can simply 'walk away' from their home that they owe way more on than what it is worth today, and not have the bank pursue them, because Arizona is a 'non-recourse' or 'non-deficiency' state. Or, if they do a 'Short Sale', that there is no recourse or future consequences involved, for the above mentioned reasons.

NOTHING COULD BE FURTHER FROM THE TRUTH!!

Yet people are selling homes based on misinformation. Some of this information comes from REALTORS, some comes from the media, and other comes from 'friends' and 'family' members. This is an area that is so important that only a qualified attorney can give proper advisement, along with that of a professional financial advisor.

If you, or someone you know, owes more on their home and does not know what to do, please have them call us!! We are CERTIFIED DISTRESSED PROPERTY EXPERTS!

Our certification as CDPE's set's us apart from other agents and REALTOR's. This desigation is held on average by only 1 out of 40 agents in the nation!! Think about that!
Out of all the agents you may encounter, in the whole country, you have about a one in forty chance of talking with someone who has the specific knowledge and expertise to properly guide you through the process of a legitimate short sale.

A short sale can be less damaging to a persons credit rating than a foreclosure.

There are specific programs offered by many banks, as well as government backed programs, that may be available to home owners that may offer them a variety of options to their current situation. It is important that owners know and understand these options. We are knowledgeable in this area, and would be happy to advise people on this subject. This is not a topic that people should take lightly. All options need to be pursued that are available to an owner. They need to understand what they are into, and what is expected of them.

With The Lucey Team at RE/MAX Achievers, we offer a comprehensive range of services and professionals to give the best possible guidance to people so that they fully understand their options in order to make the best possible decisions based on their current circumstances, as well as future consequences.

If you hold any type of Security Clearance, or any type of job that is in a position of authority, a Foreclosure could result in loss of employment, or Security Clearance.  Many people are not aware of this fact. Many larger companies conduct routine credit checks on employees, especially Management level personnel. It is part of their HR deparments policy. If you have any questions about this practice, or think it could jeopardize your job, contact your HR department.

Only a competent attorney who specializes in Real Estate matters can give you proper advisement on the ramifications and possible consequences of a short sale versus Foreclosure. We have access to such professionals, and highly recommend that potential clients of ours seek counsel before proceeding with a short sale.

Financial professionals and tax professionals are the only people qualified to give you specific counsel and advisement on potential tax consequences, etc. We have such professionals available in our network and encourage all clients we counsel to seek advisement on these matters prior to proceeding with a short sale.

If your head is spinning now, it's o.k. We are here to help!

Bill & Jane Lucey, REALTOR, GRI, CDPE, SRES, NARPM, CPM
RE/MAX Achievers - The Lucey Team
480 895-6400

History of Father's Day Festival as seen today is not even a hundred years old. Thanks to the hard work and struggle of Ms Sonora Louise Smart Dodd of Washington that just as we have set aside Mother's Day to honor mothers we have a day to acknowledge the important role played by the father. However, some scholars opine that Father's Day history is much older than we actually believe it to be. They say that the custom of honoring dad's on a special day is over 4,000 years old.

Ladies let's spoil our men!!!

RE9 Advanced for Men is an advanced line of grooming products that addresses the specific skin care needs of men.Clinically proven ingredients start working immediately to minimize the signs of aging.

Betty Dupuis contact http://BettyDupuis.myarbonne.com

Father's Day is a day to honour all the fathers for everything they did for their children. This is an occasion to express gratitude towards your dad for all his love and support. Father's Day is celebrated on different dates in different countries. Most countries like US, UK, Canada and India celebrate this festival on the third Sunday of June.

A Guide to Men’s Skin Care - Men’s Skin Care Concerns

Men’s skin is oilier and more acidic due to the male hormone, testosterone. As a result, men require products that are not overly greasy or drying, which help to counteract the overproduction of oil that stems from skin dryness. 

While men’s skin is firmer due to higher levels of collagen, these levels decrease dramatically between the ages of 30 and 50, after which they stabilize. However, once the aging process starts, the skin rapidly loses its firmness and tone, causing deep wrinkles to form. Men require products that work to minimize the signs of aging and improve skin texture and tone. Sun protection is also important for men, because males are three times more likely to develop squamous cell skin cancer than females.

In addition to physiological differences, behavioral differences exist between men and women as well. For example, regular facial shaving causes a decrease in the skin’s natural moisture and leads to irritation, such as burning, stinging, and redness. Ingrown hairs are also a common problem for men.

Men’s Skin Care Needs

Confronted with these physiological and behavioral differences, as well as the daily stresses that cause dull, tired-looking skin, men require a skin care regimen that meets their specific needs. 

Products that provide anti-friction properties for a close, clean shave are essential to diminishing irritation and chafing and delivering a smooth, comfortable shave. Hydration is key to also replenishing the skin’s natural moisture lost during shaving. Exfoliation is important to help with ingrown hairs and razor burn while shaving. Also necessary are fast-acting, post-shave balms with skin calming ingredients to help diminish razor burn and redness. Finally, a moisturizer with sunscreen ingredients protects the skin from sunburn while helping to reduce visible signs of fatigue, stress and aging.

RE9 Advanced for Men is an advanced line of grooming products that addresses the specific needs of men’s skin. For more information on RE9 Advanced for Men, please click here.

BettyDupuis Arbonne 250-675-5225

 http//www.BettyDupuis.myarbonne.com

Vorwerk, JAFRA's parent company, is a proud sponsor of SOS Children's Villages. It's a charity dedicated to finding homes for orphaned and abandoned children throughout the world. They are currently supporting over 73,000 children in 132 countries, providing the necessities of life, education, family, medical care and hope for the future. As a member of the Vorwerk Corporation, the third largest direct selling company in the world, JAFRA is doing its part to support these children by donating a portion of their sales to the cause.

We have begun a new project with the objective to support the construction of a village in Quy Nhon, Vietnam. Houses will be planned in a simple, yet steady design and the village will be built according to ecological principles. A solar system, for example, will provide heat for warm water and lighting. Altogether, 14 houses will be built for 140 children. The project plans to have 14 SOS-mothers, 12 teachers and a number of administrative workers to take care of about 140 children around the clock.

When you support JAFRA, you will be supporting much more than a company, you will help build a village.

Our new Tender Moments baby care features the most soothing secets we could find.  Fresh lavender and chamomile have been shown to calm the feeling of restlessnes and promote a more relaxing sleep.

• Massage Cream, 8.8 oz  
• Hair and Body Wash 8.4 oz 
• Bath and Body Oil 8.4 oz  
• Baby Cologne 3.3 fl.oz. '
• Free Baby Massage Leaflet

Save $ 13.00

Regular Price $ 59.00  

Special price $ 46.00

Order on-line at  www.myjafra.com/jstephens  or for more information contact

Jodi Stephens at 817-925-5902. 

• For every two jobs national retailers bring to a community, three jobs are lost as a result of local businesses closing down.
• When you shop locally owned businesses, your money is re-circulated over and over and creates up to 75% more tax revenue to our community and state.
• Independent businesses raise the standard of living in your community because they take their profits and buy products and services from other local businesses, thus creating more and more tax revenues needed for the community to thrive.
• Millions of dollars of tax revenue subsidies handed to chains by financially-starved local governments drain even more tax revenue from our community and state.
• Blighted empty shopping areas are created in your community when chain stores re-locate to a more lucrative shopping center, or leave altogether. Literally hundreds of big stores are abandoned each year across the United States.
• Independent businesses are unique enterprises that contribute to the character of our community by offering a more diverse selection of goods and services.
• Independent businesses provide meaningful service with a personal touch. It matters to them that you are satisfied and will come back again.
• Carefully planned predatory pricing practices have allowed national chains to establish virtual monopolies as they drive local competition out of business. Once the competition is gone, they raise their prices.

1. Appy your fragrance to freshly-showered moisturized skin - dry skin doesn't retain the scent as long as moist skin
2. A little goes a long way, so spray your fragrance from a distance of 12 inches
3. Target a few of your pluse areas: wrists, decollete, behind your earlobes and neck, elbows and chest - these are where the blood is closer to the skin's surface
4. Allow the scent to dry before dressing to keep it from rubbing off on clothng and heps it last longer

A women's scent is as personal - and revealing -as her signature.  Your perfume creates a scent memory thatcan last a lifetime, which is why JAFRA spares no expense in the creation of it's superior line of fragrances.  JAFRA's signature fragrences are created b the same world-renowned European perfumes who work with the finest Haute Couture design houses.  Starting with state-of-the-art ingredents sources from countries around the world these perfumers use highly sophisticated "Living Flower" aroma extraction procedures to capture the pure essence of flowers and other natural resources.  The results are utterly captivating infinitely memorable and irresistibly you. 

Specials for May and June

Adorisse 1.7 fl. oz.

Comtemporary, floral, warm, rich and sensual, Adorisse is an enduring expression of life, love, and you.

 If you like Beautiful, Paris and Very Irresistible you'll like Adorisse. 

Regular Price $ 39.00

Special Price $ 34.00

Navigo Femme 1.7 fl. oz.

A lush composition of tropical orchid and bergamot with fruity nuance of pear, orange flower and magnolia. 

If you like Amarige, Happy, Ralph you'll like Navigo Femme.

Regular Price $ 32.00

Special Price $ 27.00

Mother's Day is next Sunday! Graduation is comming up!  

You can shop on-line at www.myjafra.com/JStephens 24 hours a day.

I will be happy to put a gift basket together for you and deliver it! 

Jodi Stephens

Independent Skin Care Consultant

Jafra Cosmetics

480-284-7808

E-mail:  jodisalesjafra@g-mail.com

By Susan Ward, About.com Guide

Sun Lakes, Ocotillo, Chandler Arizona and in Blind Bay, Kamploops, British Columbia Canada.

NEIGHBORHOOD | ENTERTAINMENT | LIFESTYLE

Chandler & San Tan Magazines

As a special thank you to all Ocotillo Chamber members I would like to offer a 25% discount on all ads for the May issue of  CHANDLER Community and SAN TAN Community Magazines!! That is HUGE!! The magazine goes to print on Monday, April 26th, so only a couple of days, and this INCLUDES my graphic artist putting the ad together for you!!  Give me a call or e-mail, it's not hard to get started spreading the word on what you have to offer!

Sharon C Bray

480.375.8903

www.ChandlerCommunity.org