20 FRONTDOORS MEDIA | DECEMBER 2019 CAREY'S CORNER CONTINUED Carey Peña CONTRIBUTING WRITER @CareyPenaTV every single child matters. Our passion is building strong families & keeping foster children safe. YOU can help ensure that... The Arizona Qualified Charitable Foster Care Tax Credit is your opportunity to direct your tax dollars to help Arizona foster children. • Contribute up to $500 (individually) and $1,000 (jointly) by April 15, 2020. • Receive a dollar-for- dollar tax credit against your 2019 tax liability. *Please consult with a tax adviser. The tax credits are available only to individuals who file taxes in Arizona. TAX ID: 86-0324144 QFCO CODE: 10012 DONATE NOW at childcrisisaz.org 480.834.9424 we gifted every kid at her school the Cards for Kids program,” Blades said. “This program is me to my core. There’s nothing quite like the smile on the faces of the kids. What I get out of it is a sense of ... the world’s O.K. And there’s a lot of good kids out there,” he said. It’s a project that feels right to Blades. “I think it’s our role as media people to get behind something and do something, but I think it’s more about what speaks to your soul and what makes you feel good about things,” he said. When Blades said this to me, I began thinking about my role, too, as a member of the media. Or anyone, for that matter, who has a platform. I feel a deep sense of responsibility to use my public and personal platforms to inspire positive change, encourage conversation and lift people whenever and wherever I can. If we can think outside ourselves about what may make life at least a little bit better for someone else, that’s a win, which is why the work that Blades and Ornelas are doing stands out. Rather than signing off their morning show at 10 a.m. and going on about their day in this busy season, they are thinking about the hundreds of children (and teachers) whose lives they can impact. And, their listeners love it, too. Blades and Ornelas have had tremendous support from the community as this program continues to grow. “When people find something that makes sense to them, and when they find a cause or a program that speaks to them, they want to help,” Blades said. “At their core, people are very good.” To learn more, visit mix969.iheart.com .

The Mortgage CHICK Economists are not the only ones warning of the possibility of a looming recession. Mike Fratantoni, chief economist of the Mortgage Bankers Association, believes we could see a recession on or before Q2 of next year. A mild recession could simply reset the economy and pull back housing to more affordable levels. A slowing economy should also drive long-term rates lower, further improving home affordability and fueling a refinance boom, which is already underway. If unemployment numbers spike upward, a recession would be nearly unavoidable and could lead to a surge in credit defaults in all categories. Mortgage defaults are currently extremely low, but the economy has been strong for a decade, and credit has not been tested for some time. KIESHA McFADDEN C H E C K I N G I N W I T H MORTGAGE UPDATE /// WHAT THE HOLIDAYS MEAN TO ME This time of year has always been special to me. It’s the time to reflect, give back to the less fortunate, celebrate with loved ones and spread holiday cheer. While you’re out shopping and celebrating, please take the time to give back to those in need. Happy holidays, everyone. And cheers to a wonderful year in our community. Kiesha McFadden , Senior Loan Officer 480.252.9365 | Kiesha@Genevafi.net NMLS #198458 Branch Address: 7272 E. Indian School Road, Suite 540 Scottsdale AZ 85251 Corp Address: 3155 S. Price Road, Suite 105 Chandler, AZ 85248 ©2019 Geneva Financial, LLC. AZ BK #0910215 • NMLS #42056