the north texas journal v24n11

8/7/2019 The North Texas Journal v24n11

1/24

BI-WEEKLY Volume 24, Number 11 - March 18, 2

Visit our website at www.northtexasjournal.net

Pro t ec t Your se l f on

So c i a l Ne t w o r k s

Pag e 9


2/24Page 2

Dean SandersLawyer

2113 Kell BlvdWichita Falls, Texas 76308-1245

940-766-0266

in minutes! CA$H LOANS

3910 Jacksboro Hwy. MON-FRI 8:30-6 SAT 9-5 www.cashnmorepawn.com

Call for FREE LOAN QUOTE! 767-5626

Its as easy as 1, 2, 3! Bring in your merchandise in good working order.

Show proper state issued ID.Get the cash you need.

CASHNMORE Pawn & Jewelry

LOAN?LOAN?HO W DO I HOW DO I

GE T A GET A

1

If you need more time,just paythe interest to renew the loan.We accept jewelry, tools, guns,

car stereos, musical instruments

and much more!

2 3

CHECKS LAYAWAY

My schoolfocuses onlearning,character,college...

AND fuN!

My schoooffers both

high school &college.

All Before IgrADuAte

Attend college and high school withoutleaving MSUs campus area!

Come to Bright Ideas University Center, a public junior high and high school that prepares young minds for college.

Call us today at 940-767-1561.

Announcing the addition Dance Classes & Texoma Jud

Come to Bright Ideas Charter School,a public school thats been Shaping Young Minds for 25 years .

Call us today at 940-767-1561.


3/24Page 3

Pro t ec t Your se l f on

So c i a l Ne t w o r k s

Pag e 9


4/24Page 4


5/24Page 5

How To Choose A Financial AdvisorARA) - You know the importance of saving for retirement,ut do you have the time and know-how to accomplish yournancial goals? In an increasingly busy world, its possible

hat keeping close tabs on your investment accounts isntxactly realistic.

Seeking the help of nancial professionals has becomemore important to investors according to a recent surveyonducted by Harris Interactive on behalf of TD Ameri -rade Holding Corporation, as nearly one quarter (22 per-ent) of investors report relying more on a professional in-

vestment advisor following the recession.

Even if you have a good handle on your investments, youmay nd that hiring a nancial advisor -- who can put theime and energy into making sure you and your family planor a secure nancial future -- may be a worthwhile invest -

ment. By hiring an independent registered investment ad-visor -- commonly referred to as an RIA -- you can makeure your investments are managed on a full-time basis byprofessional advisor, while still having control.

Of course deciding to put someone in charge of your hard-arned money is not a process to be taken lightly. TD

Ameritrade offers these tips to consider as you choose anndependent nancial advisor or RIA:

Just as it is wise to do research on the background of nyone who would take care of your children, you should


6/24Page 6


7/24Page 7

nvestigate the person or company you enlist to handleyour money. The Securities and Exchange Commissionwww.adviserinfo.sec.gov), Financial Industry Regula -ory Authority (www. nra.org), Certi ed Planning Boardf Standards (www.cfp.net), National Association of Per-onal Financial Advisors ( ndanadvisor.napfa.org/Home.spx), and Financial Planning Association (www.fpanet.rg), as well as your own state securities agency all col-ect background information on nancial professionals that

an be accessed through their websites. Use these sites tomake sure the advisors you are considering havent faceddisciplinary action for dishonest practices and are in goodtanding with regulators.

Know the difference between working with an indepen-ent RIA and a stock broker, or other nancial services pro -

vider. Independent RIAs, for example, are bound by law toct in their clients best interest. Brokers, on the other hand,re held to a suitability standard, meaning the advice theyive must be suitable to that clients situation. If you areooking for objective, comprehensive money management,

you might want to consider an RIA.

While RIAs are required by law to act in your best inter -st, there are other ways that you can ensure they will do

what is best for you. One is to ask how they are compensat-d. Fee-only compensation generally minimizes con ictsf interest and means that your advisor is paid only for the

management services and advice he or she offers, and onlyy you, not by investment product providers. When an ad-

visor is paid on commission, theres a greater chance he or he will make choices with your money that serve not onlyyour interests, but their own as well. Thats not to say thatdvisors do not work fairly under this model, but poten-ial con icts of interest are something to consider as youhoose an advisor.

When looking for referrals from friends or relatives, themost valuable referrals may come from those in similarituations. Its also a good idea to ask potential advisors if hey specialize in working with certain types of clients andhoose one that ts your unique pro le.

Check to make sure your advisors rm is audited on aegular basis. A third party custodian should also handlell your deposits, to ensure checks and balances. An inde-endent custodian can help ensure the safety and securityf your assets, and will provide you with a clear, concisetatement every month. A duplicate monthly statement islso sent to your advisor. Make sure this is also a legitimatend upstanding business.

Working with a trusted independent RIA can help you realize your nancial goals, while allowing you to spend lesstime worrying about and managing your investments. If you need help nding a nancial advisor through the TDAmeritrade AdvisorDirect program, visitwww.tdameritrade.com.


8/24Page 8


9/24Page 9

Protect Yourself In The Online, Social Network Community

(ARA) - More people than ever are taking part in social networking sitesFacebook alone has more than 500 million users, according to Facebookstatistics. People have a lot to lose if the security of their social networkingsite is compromised. Their own personal, identifying information, and theinformation of all those they network with, could be at risk.

In addition, wide usage of mobile devices increases the possibility of virusinfection and provides a new gateway to hackers and malicious codes in

spam mails and websites around the Internet. Introduction to voice messaging services also provides a new medium for virus infection and hacking ofpersonal data.

Cell phones and laptops are revolutionizing the way we communicate intodays society, says Lyman Munson, vice president of risk services at Firemans Fund Insurance Company. It is imperative to protect your personalinformation when taking advantage of this wonderful, innovative technol-ogy.

Here are some top recommendations to help protect yourself and ensure a


10/24Page 10

Experience counts. And, whenit comes to making a businessdecision that impacts yourcompanys per ormance, youwant an experienced banker byyour side. Matching the right fnancial product with your most immediate business need in thetimeliest manner possible is what Fidelity bankers do best. Put our experience to work oryou !Contact a Fidelity Banker today.

Tommy McCullochPresident & CEO

Danny CremeensSr. Vice President

Wichita Falls-Kell

2525 Kell Blvd, Ste 100940.763.2100

Wichita Falls-Downtown

909 8th Street, Ste 101940.322.5600

Burkburnett

301 South Ave D940.569.9000


11/24


12/24

2010 TXU Energy Retail Company LLC. All rights reserved. REP #10004

We know about those times when theres too much month le t at the end o themoney. Thats why we have a program called TXU Energy Aid.SM Nobody should have to sufer dangerous heat or cold, made worse by ear o an electricity bill they cant aford. Were proud to provide temporary bill payment assistance to thousandso customers in critical situations each year, right in your community. Since 1983,TXU Energy Aid SM has provided more than $61 million in bill payment assistance,helping 365,000 amilies in need. Learn more at txu.com.

But there are times when she needs a little help withher electricity bill.

She would tell youindependence is priceless.

TXU Energy is proud to partner with

.

as www.allfacebook.com.

* Parents need to be mindful of childrens activity andprotect computer systems from predators.

* Be mindful of what you say when responding or post-ng on your Facebook wall. Remember, anything youay will will be seen by all friends and those out of your

control when commenting on a friends wall.

* Dont share les on your laptop or mobile device. Whenyou connect at a wireless hotspot, anything that you are

sharing on your computer or device may be shared witanyone else connected to that network. Disable the leand printer sharing feature or pick the correct networtype on your laptop or mobile device.

* Secure sites are best. Always look for the https:// and/or padlock symbol on your browser. Most browsers alsallow you to hover over the site name to be sure that it ia veri ed web service.

* Restrict what you do on Wi-Fi. Dont do anything onWi-Fi that you wouldnt want to share with anyone else.


13/24Page 13

Five Simple Screenings To Get On The Path To A Healthy LifeARA) - One in two Americans is living with a chronic dis-ase. Chronic diseases are persistent and recurring, and areypically either hereditary or the result of factors such asoor diet, obesity or lack of exercise.

Dr. Ian Smith, creator and founder of The 50 Million PoundChallenge and The Makeover Mile is a health and nu-rition expert who is constantly encouraging Americans toe proactive when it comes to their health. Unfortunately,

many Americans postpone or even skip key health screen-ngs due to fear, lack of awareness, or cost concerns, says

Smith. However, its important to know your risk so youan make the appropriate lifestyle modi cations to change -r reverse - the course of chronic disease.

Smith recommends ve simple screenings as a rst step indetermining whether or not you are at risk for a variety of reatable - and preventable - chronic diseases. These screen-ngs will be available for free as part of The Makeover

Mile which he is presenting with CVS/pharmacy in con -unction with their To Your Health program in seven majorities across the country.

DiabetesA simple nger prick is all that is needed to check your bloodlucose levels to see if you are at risk for diabetes. If your lood glucose test shows that you are at risk for diabetes,

your doctor will work with you to make certain lifestylehanges, particularly involving diet and exercise.

Blood pressureBlood pressure is measured by a quick, painless test using aubber cuff that is wrapped around the upper arm and in at -d. If your blood pressure is consistently high, your doctor

will likely recommend lifestyle changes, such as exercise, aealthy diet, quitting smoking, limiting alcohol and/or rec -mmend a maintenance medication.

CholesterolEven though high cholesterol may lead to serious heart dis-ase, most of the time there are no symptoms, which is why its important to have your cholesterol levels checked. A rapid

cholesterol test involves just a simple blood sample from thnger. As with diabetes and blood pressure, lifestyle changes

such as exercise and weight loss, maintaining a healthy dietand quitting smoking are recommended if your cholesterolevels are not within a healthy range. If the added measure of a maintenance medication is needed to keep your cholesteroat a healthy level, it is important to make sure that the medi

cation is taken regularly, as prescribed.Other important screenings - osteoporosis and visionTwo other important screenings that shouldnt be overlookedare osteoporosis and vision. A simple bone mineral densittest, done via low-dose X-rays, determines whether or noyou are at risk for osteoporosis, a disease that causes boneto become fragile and more likely to break. Additionally, vision screening can help identify whether or not you are arisk for eye disease.In an effort to help Americans take the next steps in the roadto a healthy life, the CVS/pharmacy To Your Health program features free screenings for chronic diseases at morthan 800 events across the country. The events offer eachparticipant more than $150 in free screenings for diabetesblood pressure, cholesterol, bone mineral density (osteoporosis) and vision. For more information and to nd an eventin your area, visit www.cvs.com/toyourhealth. For more information about The Makeover Mile visitwww.makeovermile.com.


14/24


15/24Page 15


16/24Page 16

We Bought Alot So You Can Save Alot

by Breegle

Serving The Area Since 1947

Truckload sale!Grant

Ave. M

Kemp

Ke ll

Woodstarting at

$1 .99 sq. ft.

Laminate

99 sq. ft.

6x9Vinyl Rem

39 sq. ft.

Tilestarting at

89 sq. ft.

Closeout speCials

2301 Grant Wichita Falls, Texas(940) 322-3129 1-800-234-1404

www.breegle.com

Abbey

Floors To Go Braums

Handford 5

25 YEAR RES.WARRANTY

Wilson Art LS37Stratford OakReg. $3.79 sq ft

Sale $3.09 sq ftArmstrong ExoticsIroko Ls52Reg. $2.59 sq ft

Sale $1.79 sq ft

White Oak WS39Reg. $4.49 sq ft

Sale $3.89 sq ft


17/24


18/24Page 18

WFISD Now Hir ing Food Ser vic e St aff P lease Cont ac t MyStaf

a t 940-322-5588

57

R E D R I V E R H O S P I TA L

BehavioralHealth

ServicesInpatient & Outpatient

ProgramsNo Charge

ConfdentialAssessments

24 hours a day, 7 days a week

940-322-3171200157

Modern, Comfortable Room

Smoking/Non-Smoking Room

King Size and Double Suite

Wi-Fi Internet Access

Rooftop Swimming Pool

Work Out Room

$45 Nightly w/tax

$525 Monthly

726 Scott AveWichita Falls, TX 76301

940-767-9700

$169.50 Weekly w/tax


19/24Page 19


20/24Page 20


21/24Page 21


22/24


23/24Page 23

Experience counts. And, whenit comes to making a businessdecision that impacts yourcompanys per ormance, youwant an experienced banker byyour side. Matching the right fnancial product with your most immediate business need in the

timeliest manner possible is what Fidelity bankers do best. Put our experience to work oryou !Contact a Fidelity Banker today.

Tommy McCullochPresident & CEO

Danny CremeensSr. Vice President

Wichita Falls-Kell

2525 Kell Blvd, Ste 100940.763.2100

Wichita Falls-Downtown

909 8th Street, Ste 101940.322.5600

Burkburnett

301 South Ave D940.569.9000


24/24

RESIDENTIAL & COMMERCIALELECTRICITY DELIVERY

RECEIVE THE LOWEST RATEPOSSIBLE FOR TOTAL KILOWATT HOURS

CONSUMED*

NO HIDDEN FEES

WE HANDLE THE PROVIDER CHANGE FORYOU!

(940) 692-8760 ortoll free 24 hours

(877) 777-2017

the north texas journal v24n11

Documents