Arizona Homeowner presented by Wayne Timlin

asian-inspired appetizer RA’s Chili Ponzu Yellowtail

household emergency?A Home Inventory May Save the Day

MORTGAGE RATES As of 10/18/12

Loan Rates for $150K-$417K:• 30-Year Fixed: 3.625%/3.776% APR• 15-Year Fixed: 3.000%/3.121% APR

• 7/1 ARM: 3.125%/3.124% APR*Note: All rate quotes offered for primary home purchase or no cash-out refinance financing with 720+ FICO score.

Loans under $417K are quoted based on 20% equity. Loans above $417k and other financing options are available upon request. All rates are quoted subject to change without notice.

HURRY...BEFORE IT’S TOO LATE! Manyofyouhavealreadycalledtotakeadvantageofouramazinglylowinterestratesthroughapurchaseorrefinance.Andforthosethathaven’tyetcalled,wearestartingtoseeratesriseagainduetothechangingdynamicsoftheeconomy. Ifyourcurrentrateisabove4%,itistimetolockinahistoric-lowratebeforetheyaregone. Mortgageratesaresolowtodaythatweareseeingmostclientslowertheirexistingmortgagerateby2-3%.Asanexample,a2%reductioninrateona$250kloansavesyou$5,000ayear.Overtenyearsthatsavesyou$50,000.Thesearemind-bogglingsavingsnumbersconsideringhowinexpensiverefinancingis. AsrecentlyaseightmonthsagothegreatestbarriertorefinancingwasthefactthatmanypeopleintheGreaterPhoenixareaowemoreontheirhomethanitisworth.Andbackthen,ifyoudidn’thaveequityyoucouldn’tgetarefinance.Buttimeshavechangedwithsomenewlyintroducedloanprogramsthatallowustorefinancehomeswithnoequity.JustlastweekIrefinancedaclientwhoowed$400konahomeworth$200kanddroppedtheirratealmost3%.Theyaresaving$7kayearfromourrefinancedespitebeingsubstantiallyupside-downontheirhome.Buttimeislimited,asourfederallybackedprogramdoesexpirein2013.Asanaddedbonus,clientswhorefinancewithusbyyear-endwillenjoyadeferredmortgagepaymentduringtheholidayseason. PleasecalloremailmetodayforafreeanalysistofindouthowmuchmoneyIcansaveyouwitharefinance.Ilookforwardtohearingfromyou.

Arizona HomeownerJanuary|February2013

Realestatefinancingcanbeadauntingtask.Andthatisespeciallytrueintoday’sworldwherelendersaremorecautiousaboutlendingduetoeconomicuncertainty.Iunderstandthatchoosingamortgageisonethebiggestdecisionsthatyouwillmake.Youwantthebestinterestrateandyouwantthepre-approval,application,andcloseofescrowprocesstobehassle-free.Iunderstand.Ilistentoyourneeds.AndIrespondquicklyanddeliver.Letmeputmynearlytwodecadesofresidentiallendingexperiencetoworkforyou!

Call me today!

Brady HollandBranch Manager

MLO-180079

Direct: [email protected]

Brady HollandMortgage Banker

MLO-180079

NMLS81395AZBK#910890

Produced by Desert Lifestyle Publishing • 480.460.0996 • www.DesertLifestyle.net

Pinnacle Capital Mortgage Corporation3200 E. Camelback Rd., Suite 123Phoenix, AZ 85018

This is not a commitment to lend. Subject to qualification. Not all applicants will qualify.

Winter Retreats Right Here in Arizona

Event Calendar

January| February 2013PF Chang’s Rock ‘n Roll Marathon SeriesPhoenix, Scottsdale and Tempe, January 20thRunRockNRoll.comCelebrating its 10th year in the Valley, this marathon and 1/2 marathon event has a brand-new course for 2013 and a new twist for non-runners: a Bike Tour. Bicycle participants can ride the marathon course in a non-timed event. Kids can participate in the one-mile fun run and there are tons of volunteering and people-watching opportunities to make this event one for everyone!

ToscaSymphony Hall, January 25th – 27th602.266.7464 | AZOpera.comOpulent sets evoke the palaces and cathedrals of 19th century Rome in this production of Puccini’s beloved opera, while soprano Jill Gardner lends her rich voice and insightful performance to the role of Tosca. Baritone Gordon Hawkins, a Valley resident renowned worldwide, provides powerhouse vocals as Scarpia. Sung in Italian with English subtitles.

Waste Management Phoenix OpenTPC Scottsdale, January 28th – February 3rd602.870.0163 | WMPhoenixOpen.comGolf, spectators, corporate sponsorships, local celebrities, schmoozing, flirting, eating, drinking, sunshine, 16th hole, charity, Bird’s Nest…wait, we did mention golf, right? As you know, the PGA’s most popular spectator event once again graces the Valley. No matter if you’re truly a golf aficionado or simply like to be where the action is, the annual Phoenix Open is one great way to spend a week or weekend.

War HorseGammage, February 5th – 10th480.965.3434 | ASUGammage.comYou saw the Academy-Award nominated film, now see this beautiful tale of courage, loyalty and friendship live on stage. This powerfully moving and imaginative drama, filled with stirring music, is a show of phenomenal inventiveness that is currently playing to packed houses in London, New York and Toronto. At its heart are astonishing life-sized puppets that bring to life breathing, galloping, charging horses strong enough for men to ride.

Corks & CactusDesert Botanical Garden, February 23rd – 24th480.481.8188 | DBG.orgWho wouldn’t want to spend a gorgeous Arizona evening sipping libations in a tranquil, scenic setting? Corks & Cactus blends boutique wines, gourmet concessions and desert beauty into a delightful event. Enjoy sampling from 40 different wines each day, listening to live local entertainment and food items available for purchase from Fabulous Food Fine Catering and Events.

Featuring RA SushiRASushi.com

Your Home

Imagine if your home was damaged or destroyed by a storm or fire. Or, if your belongings were burglarized or vandalized. Even though you have homeowner’s insurance, did you know that your chance of recovering a claim on your home’s contents is nearly impossible if you don’t have some sort of record of your belongings? Documentation of your possessions is critical as many insurance companies will not cover you for items that you can’t prove you owned. Having a current and accurate inventory of your home will get your insurance claim settled faster, verify losses for your income tax return, and can even aid you in buying the appropriate amount of insurance. Besides having a record for an insurance claim, your home inventory will be very useful to financial advisors and estate planners to adequately understand your entire net worth and better help you in your financial affairs.

A complete home inventory includes:• A written documentation of all personal property including make and model, purchase price, where you bought it and the approximate date of purchase• Photos or videotape of the items• Appropriate sales receipts, purchase contracts and appraisals• The serial number from items such as electronics and major appliances

While recording every item and detail of your home may seem a daunting task, you can tackle this project just a little at a time. Perhaps start with going from room to room. Or beginning with newly purchased items and then finishing with older items that may take more research. You may also decide to document your most valuable items first, then return and finish with everything else. If you have not taken an inventory, the best time to do it is now of course. If you are planning a move, you might find it simpler to record items as they’re getting boxed up. Plus, the information you gather will be useful in the case that your belongings were lost or damaged in the move itself. If you have already completed a home inventory, be sure to add to it periodically as you acquire new things or in the event that your valuables such as jewelry or artwork may have appreciated. In addition to an inventory of your belongings, it’s a wise idea to document your actual home. Lighting fixtures, window treatments, door hardware and even your landscaping can provide a true picture of what your home looked like and how it should be comparably restored.

There are several ways of documenting your home’s inventory:1. You can simply keep written records with photos and receipts. Your insurance company can most likely supply you with a kit to aid you in the information they’ll need. 2. There are complete software systems available such as Quicken Home Inventory Manager in which you can upload photos, scan and attach your receipts, price tags, etc.3. You can use an online site to help with the task such as KnowYourStuff.org. With this site, you can also archive your records online.4. You may even choose to hire a local company to do all the legwork for you. Visit ArcadiaInventoryServices.com to learn about their services.

Now that you’ve fully documented your home and its belongings, don’t forget to keep your records away from your property! Use a safe deposit box, or store them at a friend or family member’s home so that your valuable documents don’t become a victim of the destructive event too.

CHILI PONZU YELLOWTAILINGREDIENTS3.5 oz. yellowtail1.5 oz. shredded turnip.2 oz. kaiware.2 oz. onion sprouts3 pc. chivespinch of cilantro1/4 tsp. chopped jalapenos 1/4 cup crushed cashew nuts1/4 cup beet tempura bits1/4 cup chili ponzu (recipe below)

INSTRUCTIONSMix shredded turnip, kaiware, and onion sprouts. Shape into a large ring (leaving enough room in the middle for a small shot glass of the ponzu sauce) and place on large plate or serving bowl. Thinly slice the yellowtail into 10 pieces. Arrange the yellowtail over vegetable mixture. Sprinkle chives, cilantro, jalapenos, nuts and beet tempura bits. Finally, place the chili ponzu in a small shot glass and place in the center of the yellowtail mixture.

CHILI PONZU1/8 cup rice vinaigrette0.5 oz. Kochjan sauce2 tsp. garlic1/8 cup ponzu Mix all ingredients together.

Hidden Meadow Ranch15 miles north of Greer, AZ 866.333.4080 | HiddenMeadow.comHidden Meadow Ranch is an exclusive ranch hideaway replete with rustically elegant log cabins, unparalleled amenities, exceptional service and cuisine, and a plethora of wintertime activities to satisfy your craving for fun in the snow. Hidden Meadow Ranch describes their guest experience as “An escape from everything but luxury!” The 13 individual log guest cabins accommodate up to several guests each and are decorated in rustic, yet luxurious western décor. You’ll enjoy five-star cuisine at the Ranch House and unrivaled service from the staff. On any given day, you may go sledding, snowshoeing or embark upon a horse-drawn carriage or sleigh ride. Sno-Cat excursions, ice fishing, skiing and snowboarding are available as well.

Mogollon Resort CabinsOvergaard, AZ877.92.CABIN | AzResortCabins.comNestled high on the Mogollon Rim, Mogollon Resort Cabins offers a mountain destination right in the heart of

the high country. Choose from a variety of custom cabins, each resting on at least a 1/2-acre lot for desirable privacy. Each cabin features a covered porch, rustic wood interiors, vaulted ceilings, stone fireplace and a full kitchen. Guests can snowshoe or cross-country ski in the adjacent Sitgreaves National Forest or enjoy downhill skiing at nearby Sunrise Resort. You may enjoy a visit to Bison Town, a charming replica of an Old West town where you’ll find unique shopping and dining experiences.

Kohl’s Ranch LodgePayson, AZ928.478.4211 DiamondResorts.com/Kohls-Ranch-LodgeSituated in the midst of the largest Ponderosa Pine forest in the world, this destination resort offers a rustic experience but with luxurious amenities. On the banks of Tonto Creek, which runs even in winter, guests can amuse themselves with a variety of outdoor activities such as sledding, hayrides and snow hiking. For those that want to experience winter only from the warmed confines of the lodge, there are multiple offerings each week for guests including

a three-course cooking class, Sunday movie night, arts & crafts, and poker tournaments. Plus, with Club Pet even your furry kids are invited to join you on your getaway.

Molly Butler Lodge & CabinsGreer, AZ928.735.7617 | MollyButlerLodge.comThe state’s oldest continually operating hotel is Molly Butler Lodge – officially established in 1910. Molly was known as a friendly, spunky innkeeper and many high-profile guests such as Presidents Teddy Roosevelt and Herbert Hoover, western novelist Zane Grey, and film legend John Wayne, enjoyed a stay there. Whether your tastes range from a small, one-bedroom rustic cabin to a million-dollar luxury estate on an acre+ lot, you’re sure to find what you’re looking for from among the nearly 50 private cabin rentals available here. All the best winter activities are awaiting you: snowmobiling, sledding, skiing, sleigh rides and more. Plus, the very

charming town of Greer offers antique stores, unique boutiques, and plenty of dining options.

Inn at 410 Bed & BreakfastFlagstaff, AZ928.774.0088 | www.inn410.comIf you enjoy a little city-life with your mountain getaway, you may want to experience a Flagstaff vacation at one of the premier guest destinations in the city. The Inn at 410 is a charming and nationally acclaimed property that offers world-class, resort-style amenities all in an inviting setting. Large guest rooms have fireplaces, luxury bed linens and some have Jacuzzi tubs for a hot soak. Located just three blocks from historic downtown Flagstaff, guests can easily experience shopping, dining, arts and culture. Or, simply hang out at the Inn immersed in a good book or cuddled up under a blanket for an afternoon nap.

TO BE PREPARED!Make a Resolution

If the lure of a crackling fire, snow-tipped pine trees and a mug of hot cocoa in your hands has become irresistible, treat yourself to

an Arizona mountain getaway! Here, you’ll find a handful of highly recommended destinations to choose from. Enjoy!