simple yet elegant Prado’s Wood-Roasted Prawns

Great Hostess Gift Ideas

dramatic outdoor lighting

Take Your Home from “Fine” to “Fabulous”!

MORTGAGE RATES As of 8/22/12

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.

Why Are You Throwing Money Away…WHEN YOU COULD SAVE, PERHAPS, $5,000 A YEAR WITH A SIMPLE REFINANCE?!Many of you have already called to take advantage of our amazingly low interest rates through a purchase or refinance. And for those that haven’t yet called, what are you waiting for? Mortgage rates are at an all-time low. I’m seeing most clients lower their existing mortgage interest rate by 2-3%. That can add up to SERIOUS SAVINGS.

As an example, a 2% reduction in rate on a $250,000 loan saves you $5,000 a year. Over ten years that saves you $50,000! I don’t know of a single household that couldn’t use an extra $5,000 each year.

No equity? I’ve got options. In the past, many of you were unable to refinance due to the bad economy forcing home prices down to the point where you owed more than the house was worth. But times have changed. I wanted to remind everyone that we have some remarkable loan programs that allow us to refinance many homes that have negative equity.

Please give me a call or email today for a free, no-obligation consult on what a refinance can save YOU. I think you’ll be pleasantly surprised, if not shocked, with how much money can be saved. And as an added bonus, a refinance allows you to skip a mortgage payment, putting even more money back into your pocket just when you need it.

Arizona HomeownerNovember | December 2012

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

Call me today!

Brady HollandBranch Manager

NMLS 180079

Direct: 480.272.3282Brady@BradyHollandGroup.com

Brady HollandMortgage Banker

NMLS 81395 AZ BK#910890

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

Event Calendar

November| December 2012

Charity Golf TournamentArizona Grand Resort, November 16th602.955.3947 | Hemophiliaz.orgGather your foursome and prepare for 18 holes of spectacular golf along with fun, interactive games and events. Afterwards, stay for the Casino Dinner Party with dinner, dancing, casino games, and a comedy show! Proceeds benefit the Arizona Hemophilia Association.

ARTrageous gala starring Bernadette PetersVirginia G. Piper Theater, December 1st480.499.8587 | ScottsdalePerformingArts.orgGuests will enjoy a cocktail reception and silent auction and have the opportunity to view the latest SMoCA exhibitions before a gourmet seated dinner and the performance by Ms. Peters. Seven-time Tony Award-Nominee Peters will perform classic Broadway songs and standards.

Holiday PreludePhoenician Resort, December 7th602.977.1240 | PhoenixYouthSymphony.orgGrab your most stylish friends and host a table for the annual luncheon and fashion show to benefit the Phoenix Art Museum, Phoenix Youth Symphony and Phoenix Theater Guild. Fashions presented by Escada and The Clotherie.

Athleta Iron Girl 10 Mile & 5KFountain Hills, December 16thIronGirl.comWhether you’re a first-timer or an experienced athlete, the Iron Girl events provide women with a fantastic platform to reach their personal bests. Choose from among the 10-mile run or the shorter 5K. Medals to every finisher and post-race giveaways are among the many amenities of the run.

New Year’s Eve CelebrationSymphony Hall, December 31st602.495.1117 | PhoenixSymphony.orgAssemble your family and friends and ring in 2013 with the gorgeous sounds of the Phoenix Symphony performing your favorite classics. This musical celebration is the perfect ending to your year and most certainly will set the tone for a gracious and blessed New Year!

Featuring Prado at the InterContinental Montelucia Resort & Spa480.627.3004 | Montelucia.com

Loc

al F

lavo

r!

Your Home

If you’re like many Valley homeowners, you take pride in your property and are constantly updating and improving your home. Nationwide, home improvements are topping the list of homeowner expenses as residents from coast-to-coast are investing in their properties. Here in the Valley where homes tend to be newer, property owners are also updating their homes while adding important value and curb appeal. Some home improvements such as a kitchen remodel or second-story addition can be massive undertakings. Other homeowners however, are making small, subtle changes to their home that can deliver a huge impact. Enter outdoor lighting design. Outdoor lighting is sometimes considered as “the frosting on the cake.” Your home may be beautiful and look nice during the day, but with an understated yet dramatic lighting system, your home can become an absolute showpiece at night. When considering adding lighting, there are two different categories: artistic landscape lighting as well as architectural lighting. Landscape lighting, which many are familiar with, is used to emphasize your yard and pool area, while architectural lighting highlights key points of your home such as the corners and upper peaks; perhaps a stone column or dramatic entryway. Both are used to give your home dimension and to evoke a particular mood. In fact, exterior lighting allows visitors to really appreciate the high quality and look of your home. When beginning a lighting design project, ask yourself, “What features of the home do I want to showcase? What effect do I want to create? What type of mood or ambiance do I want for certain areas of my home, such as the front entry or back patio?” Hiring a professional exterior lighting firm has many benefits. As specialists in the art of proper lighting, they will design a system that, pardon the pun, puts your home in its best light! In other words, they understand the power of proper lighting and how all of the elements in the design schematic work together to create a desirable ambiance. In fact, when done properly, the lighting design shouldn’t even be noticeable. Instead, all that one’s eye is drawn to is the property itself. Lighting schemes may include up-lit trees, glowing pathways and soft spotlights on architectural details. Give your backyard a resort-style atmosphere by enhancing water features, rock formations and seating areas. Create a sense of awe with sealed and waterproofed lights set right behind a waterfall in which the back-lit effect creates even more drama. The power of proper lighting can turn your home from a nice home into a “Wow” home.

WOOD-ROASTED WILD PRAWNS WITH CONTRONE BEANSINGREDIENTS:• 1 lb. dry Italian Controne beans* • 24, or approximately 2 lbs., blue wild prawns (New Caledonia, Hawaii), or any fresh unpeeled jumbo shrimp, 4 shrimp per serving• Mothia sea salt or any high-quality sea salt, to taste• Tellicherry pepper or any fresh-cracked, high-quality black pepper, to taste• Extra virgin olive oil as needed• 8-10 rosemary sprigs, leaves removed and chopped finely amounting to 2 Tbs., stems reserved and set aside• Fleur de sel (France, Italy or Spain), or any high quality sea salt, to taste• Sicilian wild oregano, or any fresh oregano, chopped finely, approximately 2 Tbs.

DIRECTIONS:Cook beans in an ample amount of gently simmering water until soft, season with salt. Meanwhile, skewer prawns on rosemary stems and season with salt, pepper and olive oil. Grill just until pink, do not overcook. Drain beans and place in a bowl. Drizzle with olive oil to moisten, season with salt, chopped oregano and rosemary. Gently rest the prawn skewer over a serving of the beans in each serving dish. Finish the entire dish with fleur de sel and a drizzle more olive oil.

*Controne beans are Italian white beans with a thin skin. They need no soaking and cook very quickly. An easier-to-source substitute would be canned Cannellini beans, drained and rinsed. They will have much higher sodium content, so adjust the amount of salt you use in the recipe.

Yield: serves 6 as an appetizer or light entrée

Withtheholidaypartyseasoninfullswing,you’llnodoubtbeinvitedtomanysoirées,casualandformal.Althougharrivingwithagiftforthegracioushostsisinnowayobligatory,itiscertainlyakindgesturethatyourhostswillreallyappreciate.Herearesomeguidelinesandideasforbringingjusttherightgift! Someofthemostcommongiftsthataretypicallybroughtareactuallyconsidered“no-no’s.”Flowers,forexample,arebeautiful.However,arrivingwithabouquetin-handsendsthehostessscramblingoffinsearchofanappropriatevasewhenshe’dratherbegreetingotherguestsatthedoor.Sendingafloralarrangementthenextday,however,isaterrificidea.Seeingthefloraldeliveryvanpullingupthenextmorningwillbrightenanyexhaustedhostess’post-partymood. Cautionisrecommendedtoo,whenbringingabottleofwineoranytypeoffood.Unlessyou’vebeenaskedtobringawineordishtocontributetothemeal,thehostessmayfeelobligatedtoserveyourgiftattheevent.MenusandwineselectionshavemostlikelybeencarefullyplannedandyourhostmayfeeluncomfortablesettingoutyourMexicanquesodipalongwithherfancyFrenchcheeseboard.Thegeneralruleisthatgiftsoffoodorwineshouldbeputasidetobeopenedatalatertime.Makeitclearthatyoudonotexpectittobeservedatthatevent.

Sojustwhatkindofagiftwillmakealastingimpression?Trybringingagiftthattiesintothethemeoftheparty.Ifit’saholidaycookiebakingparty,rollupasiliconebakingmatwithacookieturnerinarusticburlapbagandtieitoffwithraffiaandauniquecookierecipethatcanbeusedlater.Ifit’sawinetastingparty,wrapupawinejournalandabeautifulpeninavelvetwinebag. Peoplealwaysliketoreceivegiftsthathavesomekindofapersonalmeaning.Itcanbesomethinglikemonogrammedcocktailnapkins,stationaryimprintedwiththeirnameorsimplyagiftthatrelatestotheirhobbiesorinterests.Collectpastphotosofyouandyourhostsandpresenttheminpersonalizedphotocoasters.BurnamusicCDwithacollectionofmusicthatyou’vepersonallychosenforthem.AretheyItalianfoodlovers?Howaboutsomegourmetoliveoilsandbalsamicvinegarspackagedwithaloafofbreadfromalocalbakery? Addingatwisttoanoldstand-bycanmakeanordinarygiftextraordinary.Insteadofshowingupwithaplainoldbottleofliquor,standoutfromthecrowdwithamoreinterestingoffering.FillabasketwithabottleofBailey’sIrishCreamandanaccompanyingbagofpremium

coffee.OrtiecandycanesaroundabottleofPeppermintSchnappsandpackageitwithGhirardellihotcocoamix. Onemorewaytoreallyshowyourhostsyourappreciationistobringsmallgiftsfortheirpetsorchildren.Forthekids,anythingrelatingtoartsandcraftsisgreatbecauseitcankeepthekidsbusyforhourswhiletheadultsaremingling.Becarefultoavoidbringingacraftthatneedsadultparticipationorthatwillmakeamess–youdon’twanttoaddtoanystresstoyourhostsduringtheirparty. Lastly,rememberthatthewholepointinbringingyourhostsagiftistoshowthemyourgenuineappreciationfortheireffortandhospitality.Andthatlittleextrathoughtputintoyourgift,showsthemjusthowmuch!

Event Calendar

November| December 2012

Charity Golf TournamentArizona Grand Resort, November 16th602.955.3947 | Hemophiliaz.orgGather your foursome and prepare for 18 holes of spectacular golf along with fun, interactive games and events. Afterwards, stay for the Casino Dinner Party with dinner, dancing, casino games, and a comedy show! Proceeds benefit the Arizona Hemophilia Association.

ARTrageous gala starring Bernadette PetersVirginia G. Piper Theater, December 1st480.499.8587 | ScottsdalePerformingArts.orgGuests will enjoy a cocktail reception and silent auction and have the opportunity to view the latest SMoCA exhibitions before a gourmet seated dinner and the performance by Ms. Peters. Seven-time Tony Award-Nominee Peters will perform classic Broadway songs and standards.

Holiday PreludePhoenician Resort, December 7th602.977.1240 | PhoenixYouthSymphony.orgGrab your most stylish friends and host a table for the annual luncheon and fashion show to benefit the Phoenix Art Museum, Phoenix Youth Symphony and Phoenix Theater Guild. Fashions presented by Escada and The Clotherie.

Athleta Iron Girl 10 Mile & 5KFountain Hills, December 16thIronGirl.comWhether you’re a first-timer or an experienced athlete, the Iron Girl events provide women with a fantastic platform to reach their personal bests. Choose from among the 10-mile run or the shorter 5K. Medals to every finisher and post-race giveaways are among the many amenities of the run.

New Year’s Eve CelebrationSymphony Hall, December 31st602.495.1117 | PhoenixSymphony.orgAssemble your family and friends and ring in 2013 with the gorgeous sounds of the Phoenix Symphony performing your favorite classics. This musical celebration is the perfect ending to your year and most certainly will set the tone for a gracious and blessed New Year!

Featuring Prado at the InterContinental Montelucia Resort & Spa480.627.3004 | Montelucia.com

Loc

al F

lavo

r!

Your Home

If you’re like many Valley homeowners, you take pride in your property and are constantly updating and improving your home. Nationwide, home improvements are topping the list of homeowner expenses as residents from coast-to-coast are investing in their properties. Here in the Valley where homes tend to be newer, property owners are also updating their homes while adding important value and curb appeal. Some home improvements such as a kitchen remodel or second-story addition can be massive undertakings. Other homeowners however, are making small, subtle changes to their home that can deliver a huge impact. Enter outdoor lighting design. Outdoor lighting is sometimes considered as “the frosting on the cake.” Your home may be beautiful and look nice during the day, but with an understated yet dramatic lighting system, your home can become an absolute showpiece at night. When considering adding lighting, there are two different categories: artistic landscape lighting as well as architectural lighting. Landscape lighting, which many are familiar with, is used to emphasize your yard and pool area, while architectural lighting highlights key points of your home such as the corners and upper peaks; perhaps a stone column or dramatic entryway. Both are used to give your home dimension and to evoke a particular mood. In fact, exterior lighting allows visitors to really appreciate the high quality and look of your home. When beginning a lighting design project, ask yourself, “What features of the home do I want to showcase? What effect do I want to create? What type of mood or ambiance do I want for certain areas of my home, such as the front entry or back patio?” Hiring a professional exterior lighting firm has many benefits. As specialists in the art of proper lighting, they will design a system that, pardon the pun, puts your home in its best light! In other words, they understand the power of proper lighting and how all of the elements in the design schematic work together to create a desirable ambiance. In fact, when done properly, the lighting design shouldn’t even be noticeable. Instead, all that one’s eye is drawn to is the property itself. Lighting schemes may include up-lit trees, glowing pathways and soft spotlights on architectural details. Give your backyard a resort-style atmosphere by enhancing water features, rock formations and seating areas. Create a sense of awe with sealed and waterproofed lights set right behind a waterfall in which the back-lit effect creates even more drama. The power of proper lighting can turn your home from a nice home into a “Wow” home.

WOOD-ROASTED WILD PRAWNS WITH CONTRONE BEANSINGREDIENTS:• 1 lb. dry Italian Controne beans* • 24, or approximately 2 lbs., blue wild prawns (New Caledonia, Hawaii), or any fresh unpeeled jumbo shrimp, 4 shrimp per serving• Mothia sea salt or any high-quality sea salt, to taste• Tellicherry pepper or any fresh-cracked, high-quality black pepper, to taste• Extra virgin olive oil as needed• 8-10 rosemary sprigs, leaves removed and chopped finely amounting to 2 Tbs., stems reserved and set aside• Fleur de sel (France, Italy or Spain), or any high quality sea salt, to taste• Sicilian wild oregano, or any fresh oregano, chopped finely, approximately 2 Tbs.

DIRECTIONS:Cook beans in an ample amount of gently simmering water until soft, season with salt. Meanwhile, skewer prawns on rosemary stems and season with salt, pepper and olive oil. Grill just until pink, do not overcook. Drain beans and place in a bowl. Drizzle with olive oil to moisten, season with salt, chopped oregano and rosemary. Gently rest the prawn skewer over a serving of the beans in each serving dish. Finish the entire dish with fleur de sel and a drizzle more olive oil.

*Controne beans are Italian white beans with a thin skin. They need no soaking and cook very quickly. An easier-to-source substitute would be canned Cannellini beans, drained and rinsed. They will have much higher sodium content, so adjust the amount of salt you use in the recipe.

Yield: serves 6 as an appetizer or light entrée

Withtheholidaypartyseasoninfullswing,you’llnodoubtbeinvitedtomanysoirées,casualandformal.Althougharrivingwithagiftforthegracioushostsisinnowayobligatory,itiscertainlyakindgesturethatyourhostswillreallyappreciate.Herearesomeguidelinesandideasforbringingjusttherightgift! Someofthemostcommongiftsthataretypicallybroughtareactuallyconsidered“no-no’s.”Flowers,forexample,arebeautiful.However,arrivingwithabouquetin-handsendsthehostessscramblingoffinsearchofanappropriatevasewhenshe’dratherbegreetingotherguestsatthedoor.Sendingafloralarrangementthenextday,however,isaterrificidea.Seeingthefloraldeliveryvanpullingupthenextmorningwillbrightenanyexhaustedhostess’post-partymood. Cautionisrecommendedtoo,whenbringingabottleofwineoranytypeoffood.Unlessyou’vebeenaskedtobringawineordishtocontributetothemeal,thehostessmayfeelobligatedtoserveyourgiftattheevent.MenusandwineselectionshavemostlikelybeencarefullyplannedandyourhostmayfeeluncomfortablesettingoutyourMexicanquesodipalongwithherfancyFrenchcheeseboard.Thegeneralruleisthatgiftsoffoodorwineshouldbeputasidetobeopenedatalatertime.Makeitclearthatyoudonotexpectittobeservedatthatevent.

Sojustwhatkindofagiftwillmakealastingimpression?Trybringingagiftthattiesintothethemeoftheparty.Ifit’saholidaycookiebakingparty,rollupasiliconebakingmatwithacookieturnerinarusticburlapbagandtieitoffwithraffiaandauniquecookierecipethatcanbeusedlater.Ifit’sawinetastingparty,wrapupawinejournalandabeautifulpeninavelvetwinebag. Peoplealwaysliketoreceivegiftsthathavesomekindofapersonalmeaning.Itcanbesomethinglikemonogrammedcocktailnapkins,stationaryimprintedwiththeirnameorsimplyagiftthatrelatestotheirhobbiesorinterests.Collectpastphotosofyouandyourhostsandpresenttheminpersonalizedphotocoasters.BurnamusicCDwithacollectionofmusicthatyou’vepersonallychosenforthem.AretheyItalianfoodlovers?Howaboutsomegourmetoliveoilsandbalsamicvinegarspackagedwithaloafofbreadfromalocalbakery? Addingatwisttoanoldstand-bycanmakeanordinarygiftextraordinary.Insteadofshowingupwithaplainoldbottleofliquor,standoutfromthecrowdwithamoreinterestingoffering.FillabasketwithabottleofBailey’sIrishCreamandanaccompanyingbagofpremium

coffee.OrtiecandycanesaroundabottleofPeppermintSchnappsandpackageitwithGhirardellihotcocoamix. Onemorewaytoreallyshowyourhostsyourappreciationistobringsmallgiftsfortheirpetsorchildren.Forthekids,anythingrelatingtoartsandcraftsisgreatbecauseitcankeepthekidsbusyforhourswhiletheadultsaremingling.Becarefultoavoidbringingacraftthatneedsadultparticipationorthatwillmakeamess–youdon’twanttoaddtoanystresstoyourhostsduringtheirparty. Lastly,rememberthatthewholepointinbringingyourhostsagiftistoshowthemyourgenuineappreciationfortheireffortandhospitality.Andthatlittleextrathoughtputintoyourgift,showsthemjusthowmuch!

If your home is currently listed, this is not a solicitation for that listing. Produced by Desert Lifestyle Publishing • 480.460.0996 • www.DesertLifestyle.net

WAYNE TIMLINBuilding Sustainable Long-Term Relationships

ProudlylivingandworkingintheValleyforover15years,IhaveprovidedmyRealEstateexpertiseandknowledgetofellowresidentsandneighbors.Whetherconsideringamoveup,sizingdownoracquiringaninvestmentproperty,IaskforyourconsiderationwhenchoosingaREALTOR®.

You’llbeimpressedwithmy:•Areaknowledge&industryexpertise•Acumenformarketingandnegotiations•Hallmarkofprofessionalism•Ethicsofthehigheststandard•AssurancethatYOURinterestswillcomeFIRST

Buying?Selling?Interestedinacquiringinvestmentpropertytoaddtoyourportfolio?Throughathoroughmarketanalysis,IempoweryouwithINFORMATIONthatwillgiveyouthepeace-of-mindthatmyadviceandyourdecisionswillresultinasuccessfultransaction.

Ilookforwardtohearingfromyoutoday!

WAYNE TIMLINCell: 602.571.0655

Wayne@TimlinGroup.comwww.TimlinGroup.com