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The fossil fuel divestment movement is taking hold as 26 colleges and universities, 40 cities, 72 religious institutions, 31 foundations and 19 other institutions have committed to divesting from their portfolios companies that extract and process fossil fuel. There are a number of reasons a portfolio fiduciary would consider divesting. Here are few. We are experiencing a changing climate. Our CO2 production has made a major contribution to that fact. We can’t control the weather, but we do … [Read more...] about Divesting From Fossil Fuels: A Fiscal and Ethical Decision

Thanks to our Coconino County voters, spring will be a busy construction season for the County with $5.8 million in Roads Capital Improvement Plan (CIP) and chip sealing projects scheduled to begin. These projects, scheduled to begin in the next few weeks, will address deteriorating pavement and improve the safety of our county roads. The reason for this increase in road maintenance projects? Proposition 403, the County’s Road Maintenance Ballot Measure that was approved last November by … [Read more...] about County Gears Up for $5.8 Million in Transportation Projects

Do you struggle with constant joint or muscle pain from an injury, overuse or an ongoing condition such as arthritis? You may have a sports injury that continues to nag you. Maybe you are getting ready to train for your first 5K or preparing for a marathon or ski season. Perhaps you suffered a stroke or have a neurological condition that affects your ability to move and function. If you have a need to improve body function – from prevention to repair to conditioning to increased mobility – … [Read more...] about Physical Therapists: More than Rehabilitation Experts

Most of us are aware of hearing loss and the difficulty associated with not being able to hear conversation or the telephone ring. What about the people who suffer (suffer is the correct word to use here) with hyperacusis? One in 50,000 people reportedly suffer from hyperacusis.   What is Hyperacusis? The definition of hyperacusis varies and may even seem unclear. Most audiologists define hyperacusis as a condition in which a person has intolerance to a level of sound. It can be defined … [Read more...] about Hyperacusis: Hearing that is too good

Key factors that will determine the success or failure of the tenant’s business are the terms found in their commercial lease. Knowing the terms of the lease is critical for the tenant to understand in order to avoid unnecessary aggravation and possible litigation. Tenants cannot afford costs associated with business distractions and litigation. Before any tenant signs a commercial lease, they should have the lease reviewed by their attorney and CPA in order to completely understand how certain … [Read more...] about Know Your Commercial Lease Before You Sign

Mission Bank is proud to be recognized as a superior 5-Star rated bank by BauerFinancial, a national bank rating and research firm. BauerFinancial’s rating system is based upon an analysis of current financial data as supplied by federal banking regulators, with the 5-Star rating indicating Mission Bank’s solid capital position, profitability, sound asset quality, and balance sheet strength. This is the highest rating possible, awarded only to banks considered to be the strongest in the … [Read more...] about BauerFinancial Gives Local Bank Superior 5-Star Rating

Do you have a judgment that you have never collected on? If so, it is worth more today than when you obtained it. All judgments accrue interest as a matter of law. Some judgments accrue interest based on a contractually stated rate, if they resulted from a written agreement. If the matter did not arise from a contractual agreement, the interest on a judgment accrues based upon the statutory rate set forth in A.R.S. § 44-1201. If your judgment was obtained prior to 2011, the interest rate was … [Read more...] about A Judgment is Worth More Than You Think

When it is time to remodel the kitchen or bathroom, cabinetry prices can devour the bulk of a budget. It is estimated that cabinetry can take up to 30 percent of your desired investment level. Because cabinets are a major investment, you'll need to sort through the available options in order to make choices with confidence. Below are some of the most typical cabinet budget levels and style choices to consider for your kitchen or bathroom space.   Refresh Your Existing Cabinets If … [Read more...] about Create Your Perfect Kitchen or Bath with The Right Cabinetry

When we think of why homes are cold and inefficient, often, the first thing that comes to mind is drafty windows. Poor windows! They are always getting the blame for cold houses. While windows can be a source of cold drafts and heat loss, they are rarely the most cost-effective energy upgrade a homeowner can make. Sure, replacing those old windows will reduce your heating bill and make your home more comfortable, but they’re also quite expensive. If you are looking for the best bang for your … [Read more...] about Options for Energy-Saving Upgrades in Your Home

My medical school, The University of Chicago, implemented a novel approach to teaching students about the doctor-patient relationship during my tenure there in the 1990s. In an effort to nurture a stronger sense of empathy and compassion among the doctors-to-be, the Clinical Skills faculty decided that all students should spend a long weekend as a hospitalized patient. We were admitted in the standard bureaucratic fashion, wheeled down long hallways on noisy gurneys watching fluorescent lights … [Read more...] about Explaining Disease: An Important Part of the Doctor-Patient Relationship