© 2013 Morgan Stanley Smith Barney LLC. Member SIPC. CRC766749 12/13 NY CS 7757822 Preserving and Enhancing Wealth Those individuals who have the skills and determination to create significant wealth are not necessarily well prepared to manage it. There are highly complex and time-consuming financial planning, asset management and other issues to consider. These are matters that successful people often don’t have the time, inclination or specialized knowledge to address. The Olson Campbell Diller Group at Morgan Stanley serves as financial advisors to many such individuals and their families. With the market hitting new highs, now is a good time to have a financial professional evaluate your portfolio to help you avoid overpriced assets and minimize losses in down markets. For a complimentary review of your portfolio, please call us to arrange a meeting . Olson Campbell Diller Group at Morgan Stanley 14850 N. Scottsdale Road, 6th Floor Scottsdale, AZ 85254 480-922-7800 melissa.campbell@morganstanley.com www.morganstanleyFA.com/olsoncampbelldiller Melissa C. Campbell Kirk W. Diller Shawn D. Olson Managing Director — Senior Vice President Managing Director — Wealth Management Wealth Advisor Wealth Management Wealth Advisor Wealth Advisor Page 36 April 2016 By Michelle Donati-Grayman If Cuba is on your bucket list of places to visit, you might want to go sooner rather than later. Many travel restrictions have been lifted, allowing U.S. tourists the ability to visit the country under the category of Educational Travel. Americans must be on a tour operated by an established U.S. company and the itinerary must be structured as a People-to-People program, which was implemented in 1999 by President Clinton. “Cuba is one of the only countries that has no U.S. restaurants or businesses – yet – on its soil,” said Amy Moreno, senior travel manager for AAA Arizona. “Travelers who desire a more authentic experience should plan a trip while it remains relatively unspoiled.” Cuba’s semi-subtropical climate averages 77 to 78 degrees and can be divided into two seasons: wet (May-October) and dry (November-April). Bring a light jacket or sweater, good walking shoes and a fold-up umbrella for occasional downpours. Cubans are commonly described as being outgoing, friendly, fun and welcoming. A variety of activities entice visitors, including fishing, scuba diving, shopping and museums. Visitors will be transported back in time as well-maintained Chevys and Fords from the 1950s ferry tourists throughout Old Havana. Cuba also boasts the lowest crime rate of any country in Latin America, and its cities are relatively free from street dangers. Purse snatching and pick pocketing occur but pose little risk for attentive travelers. To enter Cuba, you must have a passport that is valid for at least six months after your trip. Americans are also required to have a visa, or a tourist card. The cruise line or tour company will acquire the visas for all persons on the tour. Since April 2010, the Cuban government requires all travelers to Cuba have medical care and evacuation coverage under an approved plan. The f light from Miami to Havana takes about 45 minutes, although scheduled flights between the U.S. and Cuba have not yet begun. At this time, cruises are departing from Miami and tour operators are using chartered flights into Cuba. The tour operator arranges all of the travel. Visitors can bring home up to $400 worth of goods acquired in Cuba for personal use, including no more than $100 worth of alcohol or tobacco products. Cuba’s colonial charm now open for American travelers For information regarding the U.S. sanctions against Cuba or answers to frequently asked questions, visit the U.S. Department of Treasury’s website at treasury.gov. If you want to go to Cuba, AAA travel experts offer three key tips: Money – Keep in mind that credit cards and debit cards issued by U.S. banks cannot be used in Cuba. Until ATMs are available, you’ll need to bring enough cash with you to last for the duration of your stay. Travelers can bring U.S. dollars into the country and exchange them into Cuban Convertible Peso (CUC). Phones and Internet – On average, calling from a tourist hotel costs $2.50 per minute. Some cell phone carriers have entered into agreements in Cuba, so call your carrier for information. Wi-Fi and Internet service in Cuba is limited. Most tourist hotels in Havana and other large cities have a computer or small business center, where you can pay for Internet usage by the minute or hour. Toiletries – Medicines and toiletries are in short supply and can be very expensive. Bring everything that you typically use, including insect repellent, sunglasses, sunscreen, a basic first aid kit, pocket packs of tissues and antibacterial hand gel (many public facilities are lacking in or charge for toilet paper and soap), extra batteries, and a copy of your passport. — Michelle Donati-Grayman is an Arcadia resident who works for AAA Arizona. AAA is the largest leisure travel agency in North America. Cuba’s embargo on American-made goods left its people frozen in time with regards to consumer goods like automobiles.

There’s a reason they say “ask your doctor.” Contact your HonorHealth doctor to answer your questions or call 623-580-5800 to find a doctor who can. HonorHealth.com/healthyaz It will take more than steps to reach great health. Learn about the difference between exercise and physical activity . Page 37 April 2016 By Jean Hodgson The idea of travel doesn’t have to mean a lot of miles and money. Maybe it’s a “staycation” right here in Phoenix. It’s easy to take for granted some of the benefits of living in the sixth largest city in America. In many communities, getting to a museum, cultural event or sports venue is a major production, but we enjoy ready access in our active metropolitan center. Ever consider traveling via Valley Metro Rail? They describe themselves as a “frequent and reliable all-day rail service operating 365 days a year linking Phoenix, Tempe and Mesa with connections to Sky Harbor Airport and many bus routes.” I’d add that no reservations are required; there are no parking hassles; and it doesn’t cost big dollars for an all-day pass. Join me for a brief virtual trip at the Park and Ride on 38th Street and Washington, a convenient location for Arcadia area residents. If we begin by traveling east, we will quickly be at 44th Street, where we can visit Pueblo Grande Museum. There is currently an opportunity to check out their prehistoric Hohokam platform mound and learn about other archaeological work on April 23. At this stop you can get on the PHX Sky Train and ride to Sky Harbor to watch the planes, eat a meal and enjoy a view of the city If you’re riding April 8-10, be sure to get off at Mill Avenue and spend the day at the Tempe Arts Festival. You may also want to exit this stop if you are an ASU student or need to access the campus. Light rail service was recently extended to Mesa, delivering you to the quaint downtown area for shopping and Mesa Center for the Arts. Don’t head for that destination without checking their loaded schedule of performances. Maybe you’d rather travel west from our Park and Ride. If you are a sports enthusiast, you can’t miss Chase Field and Talking Stick Arena. This Third Street area is also home to the Arizona Science Center, Heritage Square, the Convention Center, Symphony Hall, and the Herberger Theater Center. After making the turn north through the downtown area, you find yourself with access to ASU’s Downtown Campus, the Irish Cultural Center, Japanese Friendship Garden, Central Library, the Phoenix Art Museum, and Phoenix Theater. Watch for the frequent events at the Heard Museum and Steele Indian School Park. Travelers who headed further north recently welcomed the opening of the extension along 19th Avenue on March 19. If foreign cultures intrigue you, but the long distance destinations aren’t a good fit, look out for local experiences that are also Light Rail friendly. The Matsuri Festival of Japan at Heritage and Science Park in the end of February was a virtual taste of Asia, and the Scottish Highland Games at Steele Indian School Park in March supplied a touch of Celtic culture. So Where’s the Neighbor on a Phoenix staycation? Using a lot of extra travel days riding the Light Rail! Riding the Light Rail for a local adventure WHERE’S THE NEIGHBOR? A recent expansion makes traveling the Valley via public transportation much simpler.