When you purchase a home utilizing a mortgage, you won’t just be paying back the principal amount (the amount you borrowed) – you’ll be paying interest as well. There are several factors that determine how much you’ll pay in mortgage interest, which include the type, size and duration of your loan. Your down payment contribution will also be taken into consideration. Mortgage lenders typically finance 80% or more of the home’s price. You agree to pay this amount back with interest. There are … [Read more...] about What Makes Up an Interest Rate?
Columnists
Volunteering is Good for You
Are you thinking about becoming a volunteer at Dignity Health Yavapai Regional Medical Center? Good for you. And we mean, literally, “Good for you.” Yavapai Regional volunteers are reaping benefits on many different levels. Here are just a few: Good for your social life. Countless Yavapai Regional volunteers tell us that what started as a volunteer shift has resulted in lasting friendships. It’s a great way to make friends and get involved with like-minded people. You’ll often see our … [Read more...] about Volunteering is Good for You
What is a Community Foundation?
The term “philanthropist” often conjures images of wealthy individuals donating money to important causes. Billionaires are frequently highlighted in the media for their headline-making contributions to universities, non-profits, disaster relief efforts and more. Although these donations are generous and critically important, philanthropy extends well beyond the elite and encompasses so much more. Philanthropy is the desire to promote the welfare of others; it is the expression of … [Read more...] about What is a Community Foundation?
Steps to Changing Your Financial Advisor
In this month’s column, we delve into the sensitive topic of transitioning financial advisors. In locales like Prescott, where face-to-face interaction holds significance in retirement communities, such decisions carry weight. Compounded by a significant portion of financial advisors nearing retirement age, establishing trust in managing one’s finances can be daunting. Yet, change is inevitable and, when handled with care, can ease concerns. When contemplating a switch, thorough research and … [Read more...] about Steps to Changing Your Financial Advisor
A Jeweler’s Guide to Choosing the Perfect Jewelry for Her
As a man who’s been married for more than three decades and a seasoned jewelry store owner, I’ve learned a thing or two about selecting the right jewelry for women. Whether it’s for a special occasion or just because, picking out the perfect piece can be daunting. But fear not, I’m here to share some tried-and-true advice to help you navigate the vast world of jewelry and find that unforgettable gift she’ll cherish for years to come. Observe Her Style: Pay attention to the jewelry she already … [Read more...] about A Jeweler’s Guide to Choosing the Perfect Jewelry for Her
Creating a Frenzy of Fun for Gardeners
Spring has sprung and gardeners everywhere are applying their skills with a new batch of seedlings, destined for blossoming gardens and better results than last year! All of us here at Prescott Food Forest are so excited to be part of the educational journey of local Yavapai County residents. Spring gardening classes are underway at B Organic Farm in Chino Valley. We have a full class of 30 students, plus many are there to volunteer. “We are inspired by the excitement!” said Gardening … [Read more...] about Creating a Frenzy of Fun for Gardeners
Hummingbirds Fly to These Eight Flowers Every Time
Lisa and I sat in the front courtyard, watching the antics of “our” hummingbirds. They were enjoying water from the fountains and sipping nectar from the 30+ pots of flowers. We enjoyed one unique, unexpected benefit: The birds are equally happy sharing the landscape with us! The flowers, birds, sparkling water and fresh air combined for a romantic getaway in our front yard. Hummingbirds are the easiest to attract to the yard. We don’t have feeders, as we never want our birds to become an … [Read more...] about Hummingbirds Fly to These Eight Flowers Every Time
County Demonstrating Positive Signs of Economic Vitality
Yavapai County stands as a beacon of economic vitality amidst changing tides. As we dissect the latest Office of Economic Opportunity data, a comprehensive understanding of labor force participation emerges, offering insights into the county’s workforce dynamics and avenues for sustainable growth. At the forefront of this analysis is the unemployment rate, holding steady at 3.5%, with a marginal 0.1% increase year over year. This stability reflects the resilience of Yavapai County’s economy in … [Read more...] about County Demonstrating Positive Signs of Economic Vitality
Taking Steps Toward Better Mental Well-Being
Mental Health Awareness Month, observed in May, provides a crucial opportunity to highlight the importance of mental health and well-being. As we navigate the complexities of life, this year’s focus is on taking proactive steps to enhance our mental health. The past two years have presented unique challenges, making it more important than ever to prioritize our mental well-being. Here are some practical steps we can take to increase our mental health in 2024. 1. Prioritize Self-Care: Self-care … [Read more...] about Taking Steps Toward Better Mental Well-Being
Finding Joy in the Work We Love: A Reflection
As the founder and owner of Prescott Maid to Order, I am often asked about the secret to our success. People want to know how we consistently deliver exceptional cleaning services while maintaining a team of passionate individuals. The answer is simple yet profound: We love what we do. From a young age, I was drawn to the idea of creating clean and organized spaces. It wasn’t just about the physical act of cleaning; it was about the transformation it brought to people’s lives. I found joy in … [Read more...] about Finding Joy in the Work We Love: A Reflection