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BI -WEEKLY Vol ume 24, Number 11 - Mar c h 18, 2011

Vi si t our websi t e at www.nor t ht exasj our nal .net
Pr ot ec t Your sel f
Soc i al Net wor k s
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Dean Sanders
2113 Kell Blvd
Wichita Falls, Texas 76308-1245
in minutes!
? ?
3910 Jacksboro Hwy. MON-FRI 8:30-6 • SAT 9-5
Call for FREE
LOAN QUOTE! 767-5626
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Pr ot ec t Your sel f
Soc i al Net wor k s
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How To Choose A Financial Advisor
(ARA) - You know the importance of saving for retirement,
but do you have the time and know-how to accomplish your
fnancial goals? In an increasingly busy world, it’s possible
that keeping close tabs on your investment accounts isn’t
exactly realistic.
Seeking the help of fnancial professionals has become
more important to investors according to a recent survey
conducted by Harris Interactive on behalf of TD Ameri-
trade Holding Corporation, as nearly one quarter (22 per-
cent) of investors report relying more on a professional in-
vestment advisor following the recession.
Even if you have a good handle on your investments, you
may fnd that hiring a fnancial advisor -- who can put the
time and energy into making sure you and your family plan
for a secure fnancial future -- may be a worthwhile invest-
ment. By hiring an independent registered investment ad-
visor -- commonly referred to as an RIA -- you can make
sure your investments are managed on a full-time basis by
a professional advisor, while still having control.
Of course deciding to put someone in charge of your hard-
earned money is not a process to be taken lightly. TD
Ameritrade offers these tips to consider as you choose an
independent fnancial advisor or RIA:
* Just as it is wise to do research on the background of
anyone who would take care of your children, you should
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investigate the person or company you enlist to handle
your money. The Securities and Exchange Commission
(, Financial Industry Regula-
tory Authority (, Certifed Planning Board
of Standards (, National Association of Per-
sonal Financial Advisors (
aspx), and Financial Planning Association (www.fpanet.
org), as well as your own state securities agency all col-
lect background information on fnancial professionals that
can be accessed through their websites. Use these sites to
make sure the advisors you are considering haven’t faced
disciplinary action for dishonest practices and are in good
standing with regulators.
* Know the difference between working with an indepen-
dent RIA and a stock broker, or other fnancial services pro-
vider. Independent RIAs, for example, are bound by law to
act in their clients’ best interest. Brokers, on the other hand,
are held to a “suitability” standard, meaning the advice they
give must be suitable to that client’s situation. If you are
looking for objective, comprehensive money management,
you might want to consider an RIA.
* While RIAs are required by law to act in your best inter-
est, there are other ways that you can ensure they will do
what is best for you. One is to ask how they are compensat-
ed. Fee-only compensation generally minimizes conficts
of interest and means that your advisor is paid only for the
management services and advice he or she offers, and only
by you, not by investment product providers. When an ad-
visor is paid on commission, there’s a greater chance he or
she will make choices with your money that serve not only
your interests, but their own as well. That’s not to say that
advisors do not work fairly under this model, but poten-
tial conficts of interest are something to consider as you
choose an advisor.
* When looking for referrals from friends or relatives, the
most valuable referrals may come from those in similar
situations. It’s also a good idea to ask potential advisors if
they specialize in working with certain types of clients and
choose one that fts your unique profle.
* Check to make sure your advisor’s frm is audited on a
regular basis. A third party custodian should also handle
all your deposits, to ensure checks and balances. An inde-
pendent custodian can help ensure the safety and security
of your assets, and will provide you with a clear, concise
statement every month. A duplicate monthly statement is
also sent to your advisor. Make sure this is also a legitimate
and upstanding business.
Working with a trusted independent RIA can help you real-
ize your fnancial goals, while allowing you to spend less
time worrying about and managing your investments. If
you need help fnding a fnancial advisor through the TD
Ameritrade AdvisorDirect program, visit
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Protect Yourself In The Online, Social Network Community
(ARA) - More people than ever are taking part in social networking sites.
Facebook alone has more than 500 million users, according to Facebook
statistics. People have a lot to lose if the security of their social networking
site is compromised. Their own personal, identifying information, and the
information of all those they network with, could be at risk.
In addition, wide usage of mobile devices increases the possibility of virus
infection and provides a new gateway to hackers and malicious codes in
spam mails and websites around the Internet. Introduction to voice messag-
ing services also provides a new medium for virus infection and hacking of
personal data.
“Cell phones and laptops are revolutionizing the way we communicate in
today’s society,” says Lyman Munson, vice president of risk services at Fire-
man’s Fund Insurance Company. “It is imperative to protect your personal
information when taking advantage of this wonderful, innovative technol-
Here are some top recommendations to help protect yourself and ensure a
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Experience counts. And, when
it comes to making a business
decision that impacts your
company’s performance, you
want an experienced banker by
your 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 for you!
Contact a Fidelity Banker today.
Tommy McCulloch
President & CEO
Danny Cremeens
Sr. Vice President
Wichita Falls-Kell
2525 Kell Blvd, Ste 100
Wichita Falls-Downtown
909 8th Street, Ste 101
301 South Ave D
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secure online experience in the world of social network-
* Don’t accept pop-ups or prompts for software, unless
you’re armed with Web scanner software which checks
each site for infections prior to access.
* Don’t provide, post, or submit any confdential per-
sonal data (e.g. banking details, medical records, full
birth dates, home town, birth place, social security
number,etc.). Social networking sites don’t require this
sort of information to join.
* Do change your password at least once a month. Don’t
change it if you’re prompted to. This could be a mali-
cious link.
* Avoid letting friends, peers, co-workers or staff ac-
cess their social networks on your computer, and don’t
sign into your networks on their machines. Others could
introduce infections to your computer through unsafe
practices, or your login security could be compromised
via cookies saved on your computer.
* Never auto save your password information, and clear
your history at least once a week.
* It’s not smart to accept friend requests or request
friends who you personally do not know - even
if they are mutual friends of others you know.
* Talk online about your vacation, whereabouts,
etc. after you’ve returned home, not before
you leave. Otherwise, it can be an invitation
to thieves to stop by your house while you are
* Frequently check your privacy settings. Chang-
es in the website/social network may delete your
settings, without you knowing. Understand and
maintain your desired level of privacy.
* Mobile apps are extremely popular. Find out
if companies you are a customer of provide ap-
plications for you to use that are secure, such
as claims or policy information with your insur-
ance company.
* Take the time to learn how to use social net-
work sites effectively. Each site has information
on privacy settings and “how tos.” Many sites
help you with details on things such as setting
up a variety of friends lists with varying privacy
settings and avoiding relationship pitfalls, such
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* Parents need to be mindful of children’s activity and
protect computer systems from predators.
* Be mindful of what you say when responding or post-
ing on your Facebook “wall.” Remember, anything you
say will will be seen by all friends and those out of your
control when commenting on a friends wall.
* Don’t share fles on your laptop or mobile device. When
you connect at a wireless hotspot, anything that you are
sharing on your computer or device may be shared with
anyone else connected to that network. Disable the fle
and printer sharing feature or pick the correct network
type on your laptop or mobile device.
* Secure sites are best. Always look for the https:// and/
or padlock symbol on your browser. Most browsers also
allow you to hover over the site name to be sure that it is
a verifed web service.
* Restrict what you do on Wi-Fi. Don’t do anything on
Wi-Fi that you wouldn’t want to share with anyone else.
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Five Simple Screenings To Get On The Path To A Healthy Life
(ARA) - One in two Americans is living with a chronic dis-
ease. Chronic diseases are persistent and recurring, and are
typically either hereditary or the result of factors such as
poor diet, obesity or lack of exercise.
Dr. Ian Smith, creator and founder of “The 50 Million Pound
Challenge” and “The Makeover Mile” is a health and nu-
trition expert who is constantly encouraging Americans to
be proactive when it comes to their health. “Unfortunately,
many Americans postpone or even skip key health screen-
ings due to fear, lack of awareness, or cost concerns,” says
Smith. “However, it’s important to know your risk so you
can make the appropriate lifestyle modifcations to change -
or reverse - the course of chronic disease.”
Smith recommends fve simple screenings as a frst step in
determining whether or not you are at risk for a variety of
treatable - and preventable - chronic diseases. These screen-
ings will be available for free as part of “The Makeover
Mile” which he is presenting with CVS/pharmacy in con-
junction with their “To Your Health” program in seven major
cities across the country.
A simple fnger prick is all that is needed to check your blood
glucose levels to see if you are at risk for diabetes. If your
blood glucose test shows that you are at risk for diabetes,
your doctor will work with you to make certain lifestyle
changes, particularly involving diet and exercise.
Blood pressure
Blood pressure is measured by a quick, painless test using a
rubber cuff that is wrapped around the upper arm and infat-
ed. If your blood pressure is consistently high, your doctor
will likely recommend lifestyle changes, such as exercise, a
healthy diet, quitting smoking, limiting alcohol and/or rec-
ommend a maintenance medication.
Even though high cholesterol may lead to serious heart dis-
ease, most of the time there are no symptoms, which is why it
is important to have your cholesterol levels checked. A rapid
cholesterol test involves just a simple blood sample from the
fnger. As with diabetes and blood pressure, lifestyle changes
such as exercise and weight loss, maintaining a healthy diet,
and quitting smoking are recommended if your cholesterol
levels are not within a healthy range. If the added measure of
a maintenance medication is needed to keep your cholesterol
at a healthy level, it is important to make sure that the medi-
cation is taken regularly, as prescribed.
Other important screenings - osteoporosis and vision
Two other important screenings that shouldn’t be overlooked
are osteoporosis and vision. A simple bone mineral density
test, done via low-dose X-rays, determines whether or not
you are at risk for osteoporosis, a disease that causes bones
to become fragile and more likely to break. Additionally, a
vision screening can help identify whether or not you are at
risk for eye disease.
In an effort to help Americans take the next steps in the road
to a healthy life, the CVS/pharmacy “To Your Health” pro-
gram features free screenings for chronic diseases at more
than 800 events across the country. The events offer each
participant more than $150 in free screenings for diabetes,
blood pressure, cholesterol, bone mineral density (osteopo-
rosis) and vision. For more information and to fnd an event
in your area, visit For more in-
formation about “The Makeover Mile” visit
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We Bought Alot So You Can Save Alot
by Breegle
Serving The Area Since 1947
Truckload sale!
Ave. M
starting at

sq. ft.

sq. ft.
Vinyl Rem
sq. ft.
starting at
sq. ft.
2301 Grant • Wichita Falls, Texas
(940) 322-3129 • 1-800-234-1404
Floors To Go Braums
Handford 5”
Wilson Art LS37
Stratford Oak
Reg. $3.79 sq ft
Sale $3.09 sq ft
Armstrong Exotics
Iroko Ls52
Reg. $2.59 sq ft
Sale $1.79 sq ft
White Oak WS39
Reg. $4.49 sq ft
Sale $3.89 sq ft
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*Customer Cash offer good on select 2010 (and prior year) models between 12/29/10-6/30/11. **Finance offer subject to credit approval, applies to purchases of new Yamaha Motorcycles,
ATVs & Scooters made on a Yamaha Installment Financing loan account from 12/29/10-6/30/11. Minimum contract length is 24 months and maximum length is 36 months. Minimum
amount fnanced is $5,000. Fixed APR of 3.99% or 12.99% will be assigned based on credit approval criteria. Monthly payments per $1,000 fnanced based on 36 month term are $29.52 at
3.99% and $33.69 at 12.99%. Offer good only in the U.S., excluding the state of Hawaii. Dress properly for your ride with a helmet, eye protection, gloves and boots. Do not drink and ride.
It is illegal and dangerous. Yamaha and the Motorcycle Safety Foundation encourage you to ride safely and respect the environment. For further information regarding the MSF course, please
call 1-800-446-9227. ATVs with engine sizes over 90cc are recommended for use only by riders age 16 years and older. Yamaha recommends that all ATV riders take an approved training
course. For safety and training information, see your dealer or call the ATV Safety Institute at 1-800-887- 2887. ATVs can be hazardous to operate. For your safety: Always avoid paved surfaces.
Never ride on public roads. Always wear a helmet, eye protection and protective clothing; never carry passengers; never engage in stunt riding; riding and alcohol/drugs don’t mix; avoid
excessive speed; and be particularly careful on diffcult terrain. Professional riders depicted on closed courses. ©2011 Yamaha Motor Corp. U.S.A. All rights reserved. •
401 N. Sc ot t Avenue
Wi chi t a Fal l s TX 76306
Phone: 940.322.4121
Fax : 940.716.9333
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WFI SD Now Hi r i ng Food Ser vi c e St af f
Pl ease Cont ac t MySt af
at 940-322-5588
Inpatient &
No Charge
24 hours a day, 7 days a week
1505 8th Street · Wichita Falls, TX
♦Modern, Comfortable Rooms
♦Smoking/Non-Smoking Rooms
♦King Size and Double Suites
♦Wi-Fi Internet Access
♦Rooftop Swimming Pool
♦Work Out Room
♦$45 Nightly w/tax
♦$525 Monthly
726 Scott Ave
Wichita Falls, TX 76301
♦$169.50 Weekly w/tax
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Experience counts. And, when
it comes to making a business
decision that impacts your
company’s performance, you
want an experienced banker by
your 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 for you!
Contact a Fidelity Banker today.
Tommy McCulloch
President & CEO
Danny Cremeens
Sr. Vice President
Wichita Falls-Kell
2525 Kell Blvd, Ste 100
Wichita Falls-Downtown
909 8th Street, Ste 101
301 South Ave D
(940) 692-8760 or
toll free 24 hours
(877) 777-2017
*WAC (With Approved Credit)