360+ aircraft, 80 acres, 6 indoor air-cooled hangars… just plane awesome! This is one of the world’s largest aircraft collections including 3 hangars of WWII planes, the SR-71, the world’s smallest biplane, and many other unique private, military, and commercial air & spacecraft documenting the evolution of flight. There’s something for the everyone from a “flight simulator” Boeing 720 cockpit, the Women in Flight Gallery, and an all around mecca for the aviation aficionado. They give the only tour of the “Boneyard”/AMARG (M-F, no holidays, 16-day advanced reservations required) plus a tram tour of the museum’s 80 acres and one-of-a-kind planes. You can actually touch aviation history like “Freedom One” (that flew American hostages home after 444 days in Iran), presidential crafts, planes that launched astronauts, others with wingspans the length of a football field… ogle helicopters, MiGs, an Oscar, a rare German buzz bomb, a moon rock, and much more!

Sabino Canyon, one of the premier natural areas in southern Arizona, is located at the base of the Santa Catalina Mountains at 5700 N. Sabino Canyon Road, Tucson, AZ 85750.

Come to Sabino to see water in the desert. Between steep rock cliffs and unique desert vegetation you will find riparian corridors. You may even get lucky and view a Gila Monster, Bobcat, or other animals that are adapt to our 100 + degree summers and mild winters. The Sonoran desert has two rainy seasons: gentle winter rains and a dramatic summer monsoon. Due to winter snow melt and summer electrifying lightning storms Sabino Creek flows almost year around.

Many local people call Sabino Canyon their second home. Visitors walk, jog, hike, wildlife viewing, photography and so much more. If you want to bicycle in the Canyon times are limited to after 5pm

The canyon itself has been closed to private vehicles since 1978. However you can still visit Sabino Canyon in an emission-free, open-air Sabino Canyon Crawler or Bear Canyon shuttle. Along the 1-hour round trip route for Sabino Canyon enjoy an audio tour or get off at one of the nine shuttle stops. The Bear Canyon route is 30-minutes round trip and has three stops. Times, pricing, and tickets are available online.

The Recreation Area itself has over 30 miles of trails. Come to the Visitor Center to talk with one of our amazing volunteers or employees.

The Arizona Sonora Desert Museum was founded in 1952 by William Carr and Arthur Pack.  The Sonora Desert Museum is a 98 acre mostly outdoors experience and is rated as one of the top ten museums in the country and Tucson’s number one rated attraction.

The museum consists of 21 interpreted acres with 2 miles of walking paths through desert habitats.  There are 242 animal species, plants from 1,200 different species, and one of the worlds most comprehensive regional mineral collections.

The museum also features conservation and research programs, and an art institute.  During your visit you may get the opportunity to experience a raptor free-flight program as they have demonstrations throughout the day for visitors.  You will also get to see javelinas, “the darlings of the desert”.

The Sonoran Desert Museum is a great place to spend the day with family and friends, enjoy lunch in the cafe and shop in the gift shop that is loaded with desert art and gifts.

The museum is located just west of downtown Tucson over Gate Pass at:  2021 North Kinney Road.  The phone number is 520-883-2702.

One-fourth of America’s 52 million older adults call a collective three states home, according to a ranking of states based on the percentage of their 65+ population.

Using data from the U.S. Census American Community Survey estimates, Stacker ranked all 50 states and Washington, D.C., in a “States with the most seniors” report based on the age of their populations, finding that California, Florida and Texas are the three states with the largest 65+ populations.

California has 5.3 million seniors (ranked No. 45 by percentage of its state population of seniors, at 13.6%), Florida has 4.1 million seniors (ranked No. 1 by percentage of state population, with 19.7%) and Texas (ranked No. 48 by percentage of state population, with 3.5%) has 971,168 seniors.

By comparison, North Dakota, South Dakota, Vermont, Wyoming and Alaska each have fewer than 150,000 residents aged 65 or more years, although Vermont made the organization’s top 10 list as a state with a high percentage of older adults in the overall population.

The authors noted that the size of a state’s older adult population affects the demand for resources such as healthcare, affordable housing, assisted living, in-home and nursing care, and support services. And the quality and availability of those resources help determine where older adults migrate.

“States that lure seniors tend to have beautiful weather, low or now taxes, a low cost of living, and access to top quality medical facilities,” the authors stated. “It’s no surprise then that as a share of the population, the states of Florida and Maine are bursting with seniors — nearly one in five residents are age 65 or older, followed by West Virginia, Vermont and Montana.”

Less welcoming states tend to tax retirement income, including Social Security, and have high-priced housing and steep property taxes, not to mention cold winters, according to the findings.

The 10 states with the highest percentages of older residents among their overall populations:

1. Florida — 4.1 million seniors (19.7% of the state population)
2. Maine — 259,176 seniors (19.4%)
3. West Virginia — 344,719 seniors (18.8%)
4. Vermont — 31,606 seniors (18.2%)
5. Montana — 183,823 seniors (17.6%)
6. Delaware — 167,129 seniors (17.6%)
7. Pennsylvania — 2.2 million seniors (17.4%)
8. Hawaii — 245,955 seniors (17.3%)
9. New Hampshire — 227,984 seniors (17%)
10. Arizona — 1.2 million seniors (16.7%)  HAS THE 3RD HIGHEST SENIOR POPULATION!

Azstateparks.com/kartchner

About 45 minutes southeast of Tucson and just off I-10 you will find a living, growing anomaly of geologic history.  Among stalagmites, stalactites and growing crystals you can hear and experience the interesting history of how the caverns came to be discovered and preserved.

Kartchner Caverns State Park features 2.4 miles of passages. Long hidden from view, the caverns were discovered in 1974 by local cavers, assisted by a state biologist who helped in its preservation.

The caverns are carved out of limestone and are full of geologic structures that have been growing for more than 50,000 years.  The two major features of the caverns currently available to the public are the Throne Room and the Big Room.  Big Room tours are closed during the summer for several months because it is a nursery room for cave bats.  As many as 2.,000 bats nest in the cave during late spring.

Many different cave formations can be found within the caves and the surrounding park.  These include cave bacon, helictites, soda straws, stalactites, stalagmites and others.  Cave formations grow about a 16^th of an inch every 100 years.

A visit to Kartchner Caves State Park is well worth the trip.  The Visitors Center is especially comfortable and has a wealth of information about the caves.  Cave tours are guided so there is no chance if going to a place in the cave that is dangerous.

1. Century Village East– Deerfield Beach, FL

This year marks the first time a condo community has taken the top spot on our best-selling list. Century Village East has over 8,000 condos built between 1970 and 1995, but this community is distinct because of its low-price points. Of the homes for sale currently, there are plenty under $100k and even quite a few around the $50k mark.

Regardless of the low home prices, the community doesn’t skimp on amenities. The 145,000-square-foot clubhouse has everything from an indoor pool to a 1,600-seat theater to an 800-person ballroom. Enjoying the Florida sunshine is easy with tennis, bocce ball, volleyball, and shuffleboard courts. The community also offers transit to help residents easily run errands.

2. Wynmoor Village– Coconut Creek, FL

Wynmoor Village follows in the footsteps of Century Village East in many ways. Both are located in Broward County, both are condo communities, and both blend low-priced homes with expansive amenities. Built from 1978 to 1999, these condos are great for homebuyers looking to downsize and reduce housework.

The 50,000-square-foot clubhouse has dozens of hobby rooms, three ballrooms, and a theater. Also, throughout the community, homeowners can enjoy 19 satellite pools as well as courts for shuffleboard, tennis, and pickleball.

3. Kings Point– Delray Beach, FL

Sticking to the theme, Kings Point is another condo community in Southeast Florida. Like our previous two communities, King Point is home to thousands of low-priced condos and an expansive list of amenities. Prospective homeowners can find plenty of units for under $100k, with homes having one to two bedrooms and one-and-a-half to two bathrooms.

Amenities include a 100,000-square-foot main clubhouse as well as two smaller clubhouses available to all residents. Between the three amenity centers, residents have access to fitness centers, golf courses, tennis courts, outdoor pools, multipurpose rooms, and much more.

4. Robson Ranch– Denton, TX

The first community outside of Florida to make the list is the resort-style Robson Ranch just outside of Dallas. This large community of 7,200 attached and single-family homes in an idyllic suburb with plenty to do inside and out of the neighborhood.

The amenities include four amenity centers as well as the Wildhorse Grill. There is also a tennis complex, 16 pickleball courts, an 18-hole championship golf course, a community garden, and much more to really give residents the feel of living in a resort.

5. Windsor Gardens– Denver, CO

With the Denver area booming, there’s never been a better time to purchase in Windsor Gardens. This neighborhood is one of the few 55+ communities in a large, urban city, and it offers comparatively lower home prices while still being near all the fun in the city. Windsor Gardens has 2,689 attached homes and condos, many of which have been recently updated.

The community has a 9-hole golf course and practice area as well as courts for bocce and shuffleboard. Indoors, residents enjoy the pool, billiards room, woodworking shop, and several other hobby and craft rooms. With the Denver area booming, there’s never been a better time to purchase in Windsor Gardens. This neighborhood is one of the few 55+ communities in a large, urban city, and it offers comparatively lower home prices while still being near all the fun in the city. Windsor Gardens has 2,689 attached homes and condos, many of which have been recently updated.

The community has a 9-hole golf course and practice area as well as courts for bocce and shuffleboard. Indoors, residents enjoy the pool, billiards room, woodworking shop, and several other hobby and craft rooms.

With the Denver area booming, there’s never been a better time to purchase in Windsor Gardens. This neighborhood is one of the few 55+ communities in a large, urban city, and it offers comparatively lower home prices while still being near all the fun in the city. Windsor Gardens has 2,689 attached homes and condos, many of which have been recently updated.

The community has a 9-hole golf course and practice area as well as courts for bocce and shuffleboard. Indoors, residents enjoy the pool, billiards room, woodworking shop, and several other hobby and craft rooms.

 

Tohono Chul (aka Tohono Chul Park) is a botanical garden, nature preserve and cultural museum located in Casas Adobes, a suburb of Tucson, Arizona. The words “tohono chul” translate as “desert corner” and are borrowed from the language of the Tohono O’odham, the indigenous people of southern Arizona. The mission of Tohono Chul is to connect people with the wonders of nature, art and culture in the Sonoran Desert region and inspiring wise stewardship of the natural world.^{[citation needed]}

The 49-acre (19.8 ha) site itself offers a setting for Tohono Chul’s regional focus. Views of the Santa Catalina Mountains form a backdrop for the natural desert habitat and its location within existing migratory tracks provides a temporary home for many species of wild, native fauna. Thirty-eight species of birds make their permanent home here while another 57 migrant species visit seasonally, and a variety of reptiles and mammals, from Gila monsters to bobcats, may be spotted on the grounds.

Within these surroundings, Tohono Chul has developed thematic displays using its botanical collections which consist primarily of plants native to the Sonoran or Chihuahuan Deserts. They include more than 150 species of shrubs and trees; 300 species of cacti and succulents; and 50 species of wildflowers. In addition, Tohono Chul has the largest private collection of native Night-blooming Cereus – Peniocereus greggii – and each summer hosts “Bloom Night”, the one night it is predicted the greatest number of cereus flowers will open.

Outdoor exhibits include:

• EthnobotanicalGarden — displays indigenous plants cultivated by Southwestern native peoples for food, medicine and other necessities of life, as well as those crops introduced by European settlers
• RiparianHabitat — replicates the stream-side natural vegetation of Arizona’s threatened riparian communities
• GeologyWall — this display illustrates the geologic history of the nearby Santa Catalina Mountains
• SaguaroDiscovery Trail — an exploration of the saguaro through its cultural connections to the Tohono O’odham and its botanical connections to the natural history of the Sonoran Desert
• Sin Agua Garden — a former parking lot converted into a rainwater harvestingdemonstration
• Desert Living Courtyard — another parking lot is now a series of garden vignettes in a variety of design aesthetics all promoting Xeriscapeand intended to inspire homeowners to use native and arid-adapted plants in backyard landscapes^{[citation needed]}
• Sonoran Seasons Garden — the five seasons of the Arizona Upland subdivision of the Sonoran Desert
• Desert palmOasis — native fan palms shelter in this recreation an isolated mountain canyon found along the east coast of the Gulf of California

Tohono Chul’s changing indoor arts and cultural exhibitions are community oriented, and feature community groups and artists of all ages. Three exhibit spaces allow for different types of exhibitions, from large group shows lasting several months to smaller, one-man exhibits on display for six to eight weeks. The focus may be on traditional or contemporary art, and include paintings, sculpture and folk arts, but exhibitions also address environmental concerns affecting the Sonoran Desert and the Southwest. In addition, a selection of basketry, fiber arts, sculptural works and paintings forms the core of a Permanent Collection of Native American artwork.

Website:       https://tohonochul.org/

 

 

 

Recently, the city of Tucson was recognized as one of ten cities in the United States that might actually benefit from the Coronavirus Pandemic because of its livability, open spaces, climate, and ability to handle growth. People and companies who may move to Tucson to escape large cities will be the newest in a long line of human dwellers in the area. Tumamoc Hill is a great example of what makes Tucson so special and so inviting for people who may be looking to move to the Tucson area.

Tumamoc Hill is a living laboratory of both the desert and human history in this area on the edge of downtown and has been a place of continual research since 1903.

Tumamoc and the surrounding area along the Santa Cruz River is remarkable in that it is the longest continually inhabited site in the United States. Radiocarbon dating shows that there was maize cultivation over 4,000 years ago. About 2500 years ago a settlement was built on the hill and farming at the base of the hill supported Hohokam settlements. In the 18th century, the Spanish established Mission San Augustin del Tucson near the base of the hill.

Tumamoc Hill has reopened as of May 25th and is open from 4 a.m. to 10 p.m. daily.

Website: www.tumamoc.arizona.edu

 

 

Refinancing Your Home:

If you are interested in borrowing against your home’s available equity, you have choices. One option would be to refinance and get cash out. Another option would be to take out a home equity line of credit (HELOC). Here are some of the key differences between a cash-out refinance and a home equity line of credit:

Loan Terms:

• Cash-out refinance pays off your existing first mortgage. This results in a new mortgage loan which may have different terms than your original loan (meaning you may have a different type of loan and/or a different interest rate as well as a longer or shorter time period for paying off your loan). It will result in a new payment amortization schedule, which shows the monthly payments you need to make in order to pay off the mortgage principal and interest by the end of the loan term.
• Home equity line of credit (HELOC) is usually taken out in addition to your existing first mortgage. It is considered a second mortgage and will have its own term and repayment schedule separate from your first mortgage. However, if your house is completely paid for and you have no mortgage, some lenders allow you to open a home equity line of creditin the first lien position, meaning the HELOC will be your first mortgage.

How You Receive Your Funds:

• Cash-out refinance gives you a lump sum when you close your refinance loan. The loan proceeds are first used to pay off your existing mortgage(s), including closing costs and any prepaid items (for example real estate taxes or homeowner’s insurance); any remaining funds are yours to use as you wish.
• Home equity line of credit (HELOC) lets you withdraw from your available line of credit as needed during your draw period, typically 10 years. During this time, you will make monthly payments that include principal and interest. After the draw period ends, the repayment period begins: You are no longer able to withdraw your funds and you continue repayment. You have 20 years to repay the outstanding balance.

Interest rates:

• Cash-out refinance is available through either a fixed-rate mortgageor an adjustable-rate mortgage. Your lender can provide information about fixed-rate and adjustable-rate mortgage options so you can decide which one best fits your situation.
• Home equity line of credit (HELOC) has an interest rate that’s variable and changes in conjunction with an index, typically the U.S. Prime Rate as published in The Wall Street Journal.Your interest rate will increase or decrease when the index increases or decreases. Your lender may also offer you a fixed-rate loan option that would allow you to convert all or just a portion of the outstanding variable rate balance to a fixed-rate loan

Closing Costs:

• Cash-out refinance incurs closing costs similar to your original mortgage.
• Home equity line of credit (HELOC) usually has no (or relatively small) closing costs.

If you think that borrowing against your available home equity could be a good financial option for you, talk with your lender about cash-out refinancing and home equity lines of credit.¹ Based on your personal situation and financial needs, your lender can provide the information you need to help you choose the best option for your specific financial situation.

Melanie Sedam is the owner and a loan originator at The Paseo Group and she can be contacted at 520.829.5219 #1.

Tohono Chul (aka Tohono Chul Park) is a botanical garden, nature preserve and cultural museum located in Casas Adobes, a suburb of Tucson, Arizona. The words “tohono chul” translate as “desert corner” and are borrowed from the language of the Tohono O’odham, the indigenous people of southern Arizona. The mission of Tohono Chul is to connect people with the wonders of nature, art and culture in the Sonoran Desert region and inspiring wise stewardship of the natural world.^{[citation needed]}

The 49-acre (19.8 ha) site itself offers a setting for Tohono Chul’s regional focus. Views of the Santa Catalina Mountains form a backdrop for the natural desert habitat and its location within existing migratory tracks provides a temporary home for many species of wild, native fauna. Thirty-eight species of birds make their permanent home here while another 57 migrant species visit seasonally, and a variety of reptiles and mammals, from Gila monsters to bobcats, may be spotted on the grounds.

Within these surroundings, Tohono Chul has developed thematic displays using its botanical collections which consist primarily of plants native to the Sonoran or Chihuahuan Deserts. They include more than 150 species of shrubs and trees; 300 species of cacti and succulents; and 50 species of wildflowers. In addition, Tohono Chul has the largest private collection of native Night-blooming Cereus – Peniocereus greggii – and each summer hosts “Bloom Night”, the one night it is predicted the greatest number of cereus flowers will open.

Outdoor exhibits include:

• EthnobotanicalGarden — displays indigenous plants cultivated by Southwestern native peoples for food, medicine and other necessities of life, as well as those crops introduced by European settlers
• RiparianHabitat — replicates the stream-side natural vegetation of Arizona’s threatened riparian communities
• GeologyWall — this display illustrates the geologic history of the nearby Santa Catalina Mountains
• SaguaroDiscovery Trail — an exploration of the saguaro through its cultural connections to the Tohono O’odham and its botanical connections to the natural history of the Sonoran Desert
• Sin Agua Garden — a former parking lot converted into a rainwater harvestingdemonstration
• Desert Living Courtyard — another parking lot is now a series of garden vignettes in a variety of design aesthetics all promoting Xeriscapeand intended to inspire homeowners to use native and arid-adapted plants in backyard landscapes^{[citation needed]}
• Sonoran Seasons Garden — the five seasons of the Arizona Upland subdivision of the Sonoran Desert
• Desert palmOasis — native fan palms shelter in this recreation an isolated mountain canyon found along the east coast of the Gulf of California

Tohono Chul’s changing indoor arts and cultural exhibitions are community oriented, and feature community groups and artists of all ages. Three exhibit spaces allow for different types of exhibitions, from large group shows lasting several months to smaller, one-man exhibits on display for six to eight weeks. The focus may be on traditional or contemporary art, and include paintings, sculpture and folk arts, but exhibitions also address environmental concerns affecting the Sonoran Desert and the Southwest. In addition, a selection of basketry, fiber arts, sculptural works and paintings forms the core of a Permanent Collection of Native American artwork.

Tohono Chul is currently closed but word is that it will be open by June 30th.

Website:       https://tohonochul.org/