|The newsletter is intended to help improve the quality of life of family caregivers and seniors in our local communities. Each month we address topics related to the joys and challenges of being a family caregiver. There will be informational articles as well as a list of various meetings, support groups and other resources available to you in our community. Feel free to send your questions, ideas and concerns.||
THE CAREGIVER CONNECTION PO BOX 11929 PRESCOTT AZ 86304 (928) 778-3747 voice Debbie@CaregiverConnection.us
Don't Wait for a Crisis to Get Your Ducks in a Row
Due to my personal involvement with the care of a friend who suffered a medical emergency last month, I was reminded of the importance of planning ahead and getting one’s financial and medical ducks in a row, should we become unable to speak or act on our own behalf. Making sure adequate records and documents are in place, are up-to-date, and are shared with appropriate family members, friends, and professionals is critical.
We have a lot of reasons/excuses why we delay or never get around to doing this planning. We don’t want to admit to our own mortality. We don’t want to upset our children. Our children don’t want to upset us. The list goes on.
I would like to take this opportunity to invite, remind, and cajole all of you, whether you are a Senior or a Caregiver to a Senior, to do yourself and your loved ones a favor. Make sure they know your wishes should you become incapacitated, as well as your final wishes when the time comes. If you have authorized someone to act on your behalf as Health Care or Financial Power of Attorney, or you have named them as Trustee of your Estate, make sure they understand their responsibilities. If you don't yet have these documents in place, consider doing so, such that you remain in control.
Admittedly, it might require uncomfortable conversations, both with yourself and those who will ultimately be responsible for your care. And there’s a lot of work involved. But it will be well worth the effort in order to give yourself and your loved ones the peace of mind that comes from knowing that preparations are in place if or when a crisis occurs.
Making the Connection,
As Caregivers, it’s easy to feel overwhelmed by the
sheer number of tasks that need to be accomplished for your loved one
each day. While it’s easy to remain upbeat on good days, it’s the
bad days that can leave you feeling confused, exhausted or resentful. At
these times, it’s important to know that you’re not alone.
This month’s Newsletter article:
This article can be found below the Meetings, Events & Educational Opportunities Section in this Newsletter
Click here to find all of our Articles: http://www.SeniorConnection.us/Articles.htm
Please let me know if you find the articles useful and what other topics you’d like to see.
MEETINGS - EVENTS -
Dates and times of meetings and events sometimes change at the last minute. It’s a good idea to call ahead before heading out, just to be sure.
SENIOR CONNECTION’S SENIOR RESOURCES ON-LINE DIRECTORY is your one-stop source for products and services available to Seniors and Family Caregivers throughout Yavapai County. Included is contact information for nearly 400 for-profit, non-profit and government companies and agencies. Search on nearly 30 categories, including Independent and Assisted Living Facilities, Skilled Nursing, In-Home Care, Transportation, Respite, End of Life, Financial, Legal, Emotional Support, and more. Save hundreds of hours of your valuable time and endless frustration looking for the help you need. Visit www.SeniorConnection.us and select the link to the Resource Directory.
"CAREGIVER CONNECTION" NEWSLETTER - Please tell your friends, relatives, neighbors and colleagues about Senior Connection and suggest they sign up to receive this Newsletter. They can sign up by clicking on this link: seniorconnection.us/Subscribe.html Email addresses are NEVER shared with ANY third party.
SENIOR CONNECTION SPEAKERS BUREAU PRESENTATIONS These educational talks are given by Senior Connection Members on topics of interest to seniors and caregivers. We’ve been videotaping these every week since mid-March 2020. You can find the current "Featured Video" as well as previous talks via our website. Go there directly via www.teleconnection.seniorconnection.us Or, you can get there from the Senior Connection Home Page at www.SeniorConnection.us and click on the "Speakers Bureau Teleconnection Streaming" link. Presentations are featured for a week and then remain available as a previous talk thereafter. Many include hand-outs that you can print out.
SENIOR CONNECTION’S "SENIOR & CAREGIVERS CONFERENCE & EXPO" - Our unique Fall 2020 virtual event continues to be available via our website at www.SeniorConnectionExpo.us/V-Expo and our Spring 2021 Expo will be held virtually as well. Details available soon!
ALZHEIMER’S ASSOCIATION, Desert Southwest Chapter offers free, educational classes via their website. Schedule for February: "Understanding Alzheimer’s and Dementia" Tuesday, Feb 9 (1-2pm MST) & Tuesday, February 16 (2-3pm MST); "Healthy Living for your Brain & Body" Thursday, Feb 11 (10-11am MST): Understanding and Responding to Dementia Related Behaviors" Wednesday, Feb 17 (2-3pm MST); "Effective Communication Strategies" Thursday, Feb 18 (1-2pm MST); "10 Warning Signs of Alzheimer’s" Monday, Feb 22 (11am–12pm MST); "Dementia Conversations" Wednesday, Feb 24 (2-3pm MST). All classes are free. To learn about additional classes visit www.alz.org and select Events, then scroll down and select Educational Programs. For more info or to register for a class, call (800) 272-3900. For local assistance call Vicki Flores at (928) 771-9257 ext 9512 Monday-Friday 9am-5pm.. (Senior Connection Member)
THE ALZHEIMER’S ASSOCIATION Desert Southwest Chapter is dedicated to empowering and supporting individuals, families, care partners and communities affected by dementia throughout northern Arizona. Support Groups are currently being offered via phone, in specific geographic locations. A Prescott group occurs the first and third Mondays of the month at 10am. Call (402) 542-0274 (Log-in Pin is: 838 362 656 #). A group for families of Veterans occurs every Friday at 1:30pm. Call (208) 717-2087 (Log-in Pin is: 934 717 642 #). A Prescott Valley group occurs the second and fourth Monday of the month. Call (209)779-0234 (Log-in Pin is: 837 436 307 #). A Sedona group occurs the first & third Thursdays at 10am. Call (318)467-6505 (Log-in Pin is: 614 930 179 #). For more info about any these group meetings, call the Prescott office (928) 771-9257 Mon-Thurs from 9am-5pm. Or call (800) 272-3900 any time. Additionally, the Alzheimer’s Association offers a 24-hour Helpline that is staffed 24-hours a day, seven days a week, by trained professionals. These specialists can answer your questions and get you the information or services you need anytime, day or night. The number is (800) 272-3900. (Senior Connection Member.)
"SHARE THE LOVE FOOD DRIVE" to benefit the Yavapai County Food Bank will occur February 10 & 11 from 10am-3pm each day at The Landings of Prescott Valley, a Senior Living Community, located at 3500 N Windsong Drive. Info: (928) 445-3669.
"MAKING YOUR MONEY LAST" is a free Senior Connection Speakers Bureau presentation that will be available on the Senior Connection website starting on Thursday, February 11 at noon. It will be featured for a week and will remain available to viewers "On Demand" (i.e. at your convenience) after the launch date. Joe Allen, Financial Advisor with Edward Jones, will explain the single most important factor in determining how long your money will last and will answer the following questions: How sensitive is your retirement strategy to inflation and market volatility? Are your income sources keeping up with inflation? He will also explain how changes to housing and healthcare expenses impact sustainability. It’s super easy to watch the presentation! There is no log in, no password and no special Application to have to download. Go to www.seniorconnection.us and click on the link to Speakers Bureau TeleConnection Streaming. For more information contact Debbie Stewart at Debbie@SeniorConnection.us or call (928) 778-3747.
INVESTING COFFEE CLUB will next occur on Tuesday, February 16 from 9:30-10:30am in Prescott. This free monthly meeting is an informal gathering, discussing current events, the economy and investing in a relaxed, informal setting. Hosted by Joe Allen, Financial Advisor with Edward Jones, these meetings occur the third Tuesday of each month at Third Shot Coffee (at the Prescott Gateway Mall next to Pier 1). Includes a cup of coffee, courtesy of Joe. For more information, contact Joe at (928) 445-2226 or email firstname.lastname@example.org or stop by his office at 5672 E State Rt 69, Suite 135 in Prescott Valley, near the Hobby Lobby, below the Dollar Store. For information about Joe's upcoming events, visit www.edwardjones.com/joseph-allen (Senior Connection Member.)
"MARDI GRAS CELEBRATION" will occur Tuesday, February 16 at 2pm. Hosted by Touchmark at the Ranch in Prescott, the event will occur in the Grand Lodge Lobby. The public is invited to let the good times roll during Mardi Gras. The event will include a festive parade, complete with live music, dancing, New Orleans-style cocktails, non-alcoholic beverages, and appetizers. Space is limited and physical distancing will be observed. Please call (928) 515-2486 to RSVP by February 9. (Senior Connection Member.)
AN INVESTOR'S TOUR OF MUTUAL FUNDS – is a free seminar to occur Thursday, February 18 from 11am-noon. Mutual funds may play a major role as you try to reach your long-term financial goals. This seminar will discuss: Features of mutual funds, benefits mutual funds may provide, risks you'll need to consider as you evaluate this type of investment, guidance to help empower you as you explore the multitude of funds available. A prospectus contains more complete information, including the fund's investment objectives, risks, and charges and expenses as well as other important information that should be considered. Your financial advisor can provide a prospectus, which should be read carefully before investing. This presentation is free, but seating is limited. RSVP to Joe Allen, Financial Advisor with Edward Jones, via email at Joseph.Allen@edwardjones.com or call (28) 445-2226 or stop by his office at 5672 E State Rt 69 Suite 135, Prescott Valley to reserve space for yourself and a guest and receive Zoom Invite Details. (Senior Connection Member)
"How Much Should I Save for Emergencies?
It’s always a good idea to save some cash for a "rainy day." After all, you’ve worked hard to keep your financial strategy on track, right? An unexpected expense could easily derail that strategy.
One way to prepare financially for things like these is by creating an emergency fund. We know that putting money away to prepare for the unexpected can be hard, especially if you don't know how much you'll need – after all, they call these unexpected expenses for a reason.
What is an Emergency Fund?
An emergency fund is a savings account used pay for large, unexpected expenses. Should an emergency happen, you’ll be able to use to money to cover your losses.
An emergency fund can help you save and prepare for:
How Much Emergency Savings Should I Have?
As a starting point, if you are retired, add up to three months of living expenses for emergencies, as well as about 12 months' worth of living expenses (after accounting for outside sources of income) to provide for your everyday spending in your emergency fund. Remember when you retire you are now also responsible for creating your own "paycheck" for your everyday expenses.
How much should I have in cash for other USES?
While you might think "the more, the better," that isn’t necessarily the case. Having too much of your savings sitting in cash can be an issue, especially when you have other financial goals. Ultimately, your cash strategy can be a key factor in your long-term financial success.
To determine the role of cash in your financial life and how much you should have, look at your "USES":
As you can see, your cash need is as individual as you are. Your financial advisor can look at your entire financial picture and help you calculate how much cash you may need to fill your "rainy day" bucket and what should be invested to help you reach your goals.
PLEASE NOTE: Many of the Support Groups and Classes listed below have been temporarily suspended due to Covid-19. However, most of them are currently offering support and information by phone, email or via their websites. Their normally scheduled events are included here to provide their contact information.
A.L.S. (Lou Gehrig disease) Support Group meets on the fourth Monday each month, from 12:30-2:30 p.m. at NAVAHCS, 500 N Highway 89, Building 161, Prescott. Info: Amy Frank or visit www.alsaz.org.
ALZHEIMER’S ASSOCIATION CAREGIVER SUPPORT GROUPmeets Mondays at 10 a.m. at Prescott United Methodist Church, 505 W Gurley St, in the Simon Room (Parking & Entrance is on South Summit Avenue) as well as the Prescott Valley Public Library, 7401 E Civic Cr, in the Koole Meeting Room, 2nd floor. A group for veterans and their spouses meets at 1:30p.m. every Friday at the Prescott VA Medical Center, ECRC Room A205. In Sedona: The first & third Tuesday at 9:30a.m. at Sedona Methodist Church, 110 Indian Cliffs Rd. In Cottonwood: The first & third Wednesday at 10a.m. at Verde Valley Medical Center, 269 S Candy Lane (Enter Care/Rehab & Sports Medicine Experts Entrance). These groups are for those who are caring for someone affected by any form of memory loss or dementia, whether diagnosed or not. Newcomers always welcome – no advance notice required. Confidentiality of participants maintained. For more info for any of the above, send an email to email@example.com or call (928) 771-9257 in Prescott.
ALZHEIMER’S ASSOCIATION has numerous
educational and supportive programs for individuals with dementia
(whether diagnosed or not), and their caregivers, including a support
group for those who have early stage dementia. Please contact the
office for details, prior to attending one of these programs. Location:
3111 Clearwater Dr - Suite A, Prescott. Info: (928) 771-9257.
ARTHRITIS FOUNDATION Land-Based Exercise Class occurs Tues and Thurs at 10 a.m. at Mountain Valley Regional Rehabilitation Hospital, 3700 N. Windsong Dr in Prescott Valley. Classes are free, however, donations are appreciated to help support the Prescott Arthritis Foundation’s Summer Camp for Kids. Info: 759-8800.
ASPERGERS SUPPORT GROUP for those affected and their families are welcome to attend meetings the first Wednesday each month at 6 p.m. at the VA medical Center in Prescott, Mental Health Building 155, Room 107. Meeting starts with a potluck, followed by discussion or speaker until 8 p.m. Info: David Fero at firstname.lastname@example.org or 830-0723.
BEREAVEMENT SUPPORT meets Tuesdays from 3-4 p.m. at Arizona Ruffner Wakelin Funeral Home, 303 S Cortez St, Prescott in the Carriage House. Info: 445-2221. Info: 778-3000.
BETTER BREATHERS CLUB – In cooperation with the
American Lung Association, Yavapai Regional Medical Center offers
educational opportunities and support to those with chronic lung disease
(COPD) and their families, friends and support persons. Meets 2nd Monday
of month from 1-2 p.m. at YRMC West Campus, Spruce Room. No cost to
attend. Info: 771-5264.
BRAIN INJURY SUPPORT GROUP for individuals with head injuries, including stroke and their caregivers. Third Wednesday of every month from 2-3pm at Mountain Valley Regional Rehabilitation Hospital, 3700 N. Windsong Drive in Prescott Valley. Facilitated by Erin Aafedt, SLP. Info: 759-8800.
BREAST CANCER SUPPORT GROUP – meets the fourth Wednesday of the month from 4-5 p.m. at Yavapai Regional Medical Center Breast Care Center at Prescott Valley Campus. For individuals in recovery or recently diagnosed. Share experiences and support in a safe, private setting. Info: 442-8647. Breast Health Website has been established by Yavapai Regional Medical Center. Visit www.healthhealinghope.org
CANCER SURVIVOR SUPPORT GROUP meets the second Tuesday of every month at 1:30pm in the Community Room at Highland Square Apartments, 532 W Mingus Ave in Cottonwood. The group helps individuals who currently have, or have survived, cancer share information and moral support, and connect with others who have faced the same challenges, while adding friendship and support. For more info call Julie (928) 899-9498.
CAREGIVER SUPPORT GROUP, sponsored by Area Agency
on Aging and Good Samaritan Society, meets the 3rd Thursday
of every month from 10-11am at Willow Hills Baptist Church, 1071
Mogollon Rd (Room B213), in Prescott. Respite may be available. Info:
toll-free (877) 521-3500.
DIABETES EDUCATION PROGRAM, sponsored by Verde
Valley Medical Center, offers diabetes support group fourth Monday each
month. Meetings focus on diabetes management and education. Info:
GOLD STAR MOTHERS have lost sons and daughters in
military service. Info: 499-5565 in Prescott.
HEARING LOSS SUPPORT – For information about resources available for those with hearing loss, contact Jack Clevenger with the Hearing Loss Association – Prescott Chapter via email at HLAofPrescott@yahoo.com or call 227-1809.
HIP REPLACEMENT CLASS – facilitated by Yavapai
Regional Medical Center, meets third Thursday from noon-1pm at YRMC
Wellness Center in Prescott. Reservations required, call 771-5131; and
second Monday in Prescott Valley from 9-10am in the conference room of
YRMC’s Del E Webb Outpatient Center. Reservations required, call
JOINT REPLACEMENT EDUCATION PROGRAM occurs every
Tuesday at 10am in Prescott Valley. Location: Nurses Network, 3085
N Windsong Drive. Call (928) 772-8707 for more info.
PLEASE NOTE: Many of the
Support Groups and Classes listed below have been temporarily suspended
due to Covid-19. However, most of them are currently offering support
and information by phone, email or via their websites. Their normally
scheduled events are included here to provide their contact information.
LUPUS SUPPORT GROUP, sponsored by Lupus Foundation office in Phoenix, occurs the 1st Saturday of every month at 10am in Prescott. Info: Helen Roy (928) 775-3649 or Beckie Blankenship (928) 848-6422.
MEDICAL EQUIPMENT LOAN – New Horizons Disability Empowerment Center’s Durable Medical Equipment (DME) Loan Closet includes walkers, crutches, shower chairs, electric scooters & power chairs, as well as other items. For availability status, please contact the main office (928) 772-1266 Ext 0.
MOBILITY ASSISTANCE AIDS including crutches, walkers, canes and wheelchairs are available for loan, rent or sale at CASA (Central Arizona Seniors Association), 9360 Manzanita Circle, Prescott Valley. Call 772-3337 for info.
MULTIPLE SCLEROSIS SUPPORT GROUP meets 2nd Monday 11:30am-1pm at Mountain Valley Regional Rehabilitation Hospital, 3700 N Windsong Dr, Prescott Valley. Info: 759-8800.
PARKINSON’S DISEASE SUPPORT GROUP - Prescott conducts monthly educational meetings for people with Parkinson’s Disease, their carepartners and friends. Meetings occur 3rd Thursday 10-11:30am at First Lutheran Church, 231 W Smoke Tree Ln, Prescott. Info: Contact Kay by email email@example.com or phone 778-2242.
PARKINSON'S DISEASE SUPPORT GROUP - Verde Valley meets the 2nd Friday 3-4:30pm in Conference Room B at Verde Valley Medical Center. Group is led by Judy Talley, MAG, Program Director, Parkinson & Movement Disorder Alliance Meetings are open to the public. Info: judy@PMDAlliance.org (928) 202-7952.
PET ILLNESS/PET LOSS SUPPORT GROUP meets Wednesdays from 12-1:30pm at Prescott Valley Library, 7401 E Civic Circle, Geneology Room. Facilitated by an experienced therapist who understands what it is like to struggle with declining health, the letting go process and the loss of a beloved family pet. Info: Rutger@cableone.net or (928) 632-8124.
PHYSICIAN LISTING SERVICES is provided by Yavapai
Regional Medical Center. For information about the availability of
physicians who serve and are accepting senior patients in the extended
Prescott area: 771-5106.
RESPIRATORY WELLNESS CLASSES - facilitated by Yavapai Regional Medical Center. Goal is to help people manage COPD (chronic obstructive pulmonary disease). Classes are free and meet in both Prescott and Prescott Valley. Call 771-5264 for times, topics and locations.
REVERSING HEART DISEASE SUPPORT GROUP meets 2nd
Monday 3-4pm at Yavapai Regional Medical Center Wellness Center, 930
Division Street in Prescott (across from YMCA). Topics include dietary
changes, stress reduction, exercise techniques and research outcomes. No
charge to attend, however, pre-registration is suggested. Info:
SENIOR MEN’S SUPPORT GROUP, sponsored by Senior Peer Program. A support group for senior men to share the joys and challenges of aging. Occurs 2nd & 4th Tuesday of the month from 10:30am-noon in Prescott. For info or to register call Connie Boston at 445-5211 x2672.
SENIOR PEER PROGRAM of West Yavapai Guidance Clinic offers various groups and classes. For the latest schedule, visit their website at www.SeniorPeerPrevention.org or call Connie Boston at (928) 445-5211 Ext 2672.
SENIOR PEER SUPPORT matches Senior volunteers with Seniors who would benefit from having a peer visitor. Volunteers and participants are generally age 60 and above. Through weekly visits in their homes, participants in the program receive peer support to decrease a sense of loneliness, learn how to adapt to life changes, as well as successfully manage emotional and physical well-being. There are no costs for the services and no financial eligibility requirement. Participants may request services or may be referred by a health care provider, family and friends. Potential volunteers are always needed. For more info, contact Connie Boston, Manager, Senior Peer Program 445-5211 ext 2672.
SINGING IN THE KEY OF LIFE GROUP, sponsored by
Senior Peer Program, occurs Wednesdays from 10-11:30am.. A group for
seniors that centers around a love of singing and sharing. Please call
Connie Boston at 445-5211 x2672 to register and receive information
about the location.
SUSAN J RHEEM MEMORY CAFÉ - Adult Care Services is pleased to announce the first Memory Café in the quad-city area, hosted by The Susan J. Rheem Adult Day Center, occurs the second Saturday each month from 9-10:30 a.m. Designed for people living with Alzheimer’s disease, dementia, and mild cognitive impairment, AND their caregivers (family member, companion, friend, or professional.) The purpose is to enjoy a special time together, free from the challenges of the disease and provide a break from the normal routine. It’s a time for refreshment, mutual support and fun, for caregiver and loved one together! Activities will be planned by those who attend and will include such things as art presentations, live music, sing-a-longs, poetry readings, reminiscing and sharing stories, cooking demos and more. The Susan J. Rheem Adult Day Center (a non-profit adult day health program) serves adults 18 years of age and older facing Alzheimer’s disease, dementia and other cognitive and physical challenges. Location: 3407 N. Windsong Dr in Prescott Valley. Call 441-1019 for more info.
TAKE YOUR BACK TO SCHOOL is a 1-hour Back Care Certification Course. Learn about the causes, care and prevention of back pain. Class is free, but reservations are required. For current schedule and to rsvp, call 771-5131 in Prescott.
TRANSPORTATION– Mayer Area Meals on Wheels van
is available to take local residents to doctor’s appointments, for
labwork, to pick up prescriptions or shop for groceries. Call 632-7511
to make a reservation. Please provide at least one week’s notice.
WINDOWS is a community-wide organization that is focused on the needs of widows. Rather than refer to themselves as widows, members of the group refer to themselves as Windows because a window suggests a positive, and light being shed on new beginnings; perhaps hope. Windows is not a therapy group. It is a group of women who have lost their spouse and are seeking to find joy again - life after grief. In addition to planning fun activities, they also seek to build relationships and come alongside and support one another. For information about the group in the quad-cities, contact Diane Jacobson at (928) 420-8646 or (928) 771-9576.
WOMEN OF WISDOM (WOW) Sponsored by Senior Peer Program of West Yavapai Guidance Clinic. A Support Group for senior women to share the joys and challenges of aging. Meets Wednesdays from 10-11:30am in Prescott. For info or to register call Connie Boston at 445-5211 ext 2672.
Please let our
Community Partners and Member Agencies know you found them via the
FIRST SOUTHERN BAPTIST CHURCH
SHEPHERD OF THE HILLS
STEP ONE COMMUNITY CENTER
ADULT DAY CENTERS
Adult Care Services -
Brookdale Senior Living
Glassford Place Senior Living
Touchmark at The Ranch
Adult Care Services -
Circle of Life Alzheimer’s/Dementia Homes
Granite Gate Senior Living
Highgate Senior Living
Good Samaritan Society
Prescott Maid to Order
Susan Drysdale, PhD
Dwayne’s Music Ministry
Sunrise Funeral Home & Crematory
Hepburn Capital Management
Lincoln Financial Advisors
Stratos Wealth Partners
Bennett Clinic Chiropractic
Northern Arizona Pain Institutes
Granite Gate Senior Living
Las Fuentes Resort Village
Touchmark at The Ranch
Cardinal Home Care
Home Care Assistance
Home Instead Senior Care
Right at Home
Aetna Medicare Solutions
Brown & Brown Insurance
Your Medicare Helper
Prescott Maid to Order
Prescott Nursing &
NAU, CSI Senior Companion/RSVP
Yavapai Humane Society
Whether you are an adult child caring for an aging parent, a spouse or sibling providing care to a relative, or a senior caring for yourself, the information and products available via the www.SeniorConnection.us website are designed to improve your quality of life.
As caregivers, it’s easy to feel
overwhelmed by the sheer number of tasks that need to be accomplished
for your loved ones each day.
SENIOR RESOURCES DIRECTORY
The Resources Directory contains contact
information for hundreds of local nonprofit, government and commercial
agencies that provide helpful products and services to ease the life of
The Informational Articles section contains articles on a wide variety of topics relating to aging. The articles are short and sweet, yet go directly to the heart of the matter of some of the most sensitive issues surrounding our fears and frustrations as caregivers. No topic is off-limits and new articles are constantly being added to the website at: SeniorConnection.us
Educational Videos and Slideshows, narrated by recognized experts in the community, are posted on the website. Additionally, videos and slideshows featuring nonprofit and for-profit agencies that provide products or services to caregivers and seniors will be available at the website:
The information contained herein and throughout the website is for educational purposes only. It is not intended, nor should it be construed as legal, medical or financial advice. Use of this information indicates your understanding of, and agreement to the above.
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STEWART COMMUNICATIONS - PO Box 11929; Prescott AZ 86304 928-778-3747