BI-WEEKLY Volume 24, Number 13 - April 1, 2011

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 Dean Sanders
Lawyer

2113 Kell Blvd

Wichita Falls, Texas 76308-1245
940-766-0266

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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
financial 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 financial 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 find that hiring a financial advisor -- who can put the
time and energy into making sure you and your family plan
for a secure financial 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 financial 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 Working with a trusted independent RIA can help you real-
your money. The Securities and Exchange Commission ize your financial goals, while allowing you to spend less
(www.adviserinfo.sec.gov), Financial Industry Regula- time worrying about and managing your investments. If
tory Authority (www.finra.org), Certified Planning Board you need help finding a financial advisor through the TD
of Standards (www.cfp.net), National Association of Per- Ameritrade AdvisorDirect program, visit
sonal Financial Advisors (findanadvisor.napfa.org/Home. www.tdameritrade.com.
aspx), and Financial Planning Association (www.fpanet.
org), as well as your own state securities agency all col-
lect background information on financial 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 financial 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 conflicts
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 conflicts 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 fits your unique profile.

* Check to make sure your advisor’s firm 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.
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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 messaging services also provides a new medium for virus infec-
tion 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 Fireman’s Fund Insurance Company. “It is imperative to protect your
personal information when taking advantage of this wonderful, innova-
tive technology.”

Page 9
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
financial 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.

Wichita Falls-Kell Wichita Falls-Downtown Burkburnett

2525 Kell Blvd, Ste 100 909 8th Street, Ste 101 301 South Ave D
940.763.2100 940.322.5600 940.569.9000

Danny Cremeens
Sr. Vice President

Tommy McCulloch
President & CEO

Page 10
Here are some top recommendations to help protect access their social networks on your computer, and
yourself and ensure a secure online experience in the don’t sign into your networks on their machines.
world of social networking: Others could introduce infections to your comput-
er through unsafe practices, or your login security
* Don’t accept pop-ups or prompts for software, un- could be compromised via cookies saved on your
less you’re armed with Web scanner software which computer.
checks each site for infections prior to access.
* Never auto save your password information, and
* Don’t provide, post, or submit any confidential clear your history at least once a week.
personal data (e.g. banking details, medical records,
full birth dates, home town, birth place, social secu- * It’s not smart to accept friend requests or request
rity number,etc.). Social networking sites don’t re- friends who you personally do not know - even if
quire this sort of information to join. they are mutual friends of others you know.

* Do change your password at least once a month. * Talk online about your vacation, whereabouts, etc.
Don’t change it if you’re prompted to. This could be after you’ve returned home, not before you leave.
a malicious link. Otherwise, it can be an invitation to thieves to stop
by your house while you are away.
* Avoid letting friends, peers, co-workers or staff
* Frequently check your privacy settings. Changes
in the website/social network may delete your set-
tings, without you knowing. Understand and main-
tain your desired level of privacy.

* Mobile apps are extremely popular. Find out if

companies you are a customer of provide applica-
tions for you to use that are secure, such as claims
or policy information with your insurance company.

* Take the time to learn how to use social network

sites effectively. Each site has information on pri-
vacy 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 avoid-
ing relationship pitfalls, such as www.allfacebook.
com.

* Parents need to be mindful of children’s activity

Page 11
 and protect computer systems from predators. work. Disable the file and printer sharing feature or
pick the correct network type on your laptop or mo-
* Be mindful of what you say when responding or bile device.
posting on your Facebook “wall.” Remember, any-
thing you say will will be seen by all friends and * Secure sites are best. Always look for the https://
those out of your control when commenting on a and/or padlock symbol on your browser. Most brows-
friends wall. ers also allow you to hover over the site name to be
sure that it is a verified web service.
* Don’t share files on your laptop or mobile device.
When you connect at a wireless hotspot, anything * Restrict what you do on Wi-Fi. Don’t do anything
that you are sharing on your computer or device may on Wi-Fi that you wouldn’t want to share with any-
be shared with anyone else connected to that net- one else.

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u_ea_NTxJournal_070610_d1.indd 2 7/7/10 11:05 A

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 modifications to change -
or reverse - the course of chronic disease.”
Smith recommends five simple screenings as a first 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.
Diabetes
A simple finger 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 inflat-
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.
Cholesterol
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
Page 13
cholesterol test involves just a simple blood sample from the
finger. 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 find an event
in your area, visit www.cvs.com/toyourhealth. For more in-
formation about “The Makeover Mile” visit
www.makeovermile.com.
Page 15
 Abbey
Ave. M
Floors To Go Braums
Kell
Grant

Kemp

Truckload sale!
We Bought Alot So You Can Save Alot
Wilson Art LS37 Handford 5”
Stratford Oak
Reg. $3.79 sq ft
Sale $3.09 sq ft
Armstrong Exotics White Oak WS39
Iroko Ls52
Reg. $2.59 sq ft 25 YEAR RES. Reg. $4.49 sq ft
WARRANTY Sale $3.89 sq ft
Sale $1.79 sq ft
6x9
Laminate Vinyl Rem Close Tile
starting at
Wood
starting at
out
99 ¢
sq. ft.
¢ 39
sq. ft. speCials 89 ¢
sq. ft.
1
$ .99
sq. ft.
Serving The Area Since 1947
2301 Grant • Wichita Falls, Texas
by Breegle (940) 322-3129 • 1-800-234-1404
www.breegle.com

Page 16
 3.99 1000
UP TO

%+ $
APR FOR 36 MONTHS
, CUSTOMER CASH
FOR QUALIFIED BUYERS** ON SELECT MODELS *

401 N. Scott Avenue

Wichita Falls TX 76306
Phone: 940.322.4121
Fax: 940.716.9333

*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 financed is $5,000. Fixed APR of 3.99% or 12.99% will be assigned based on credit approval criteria. Monthly payments per $1,000 financed 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 difficult terrain. Professional riders depicted on closed courses. ©2011 Yamaha Motor Corp. U.S.A. All rights reserved. • yamaha-motor.com
Page 17
 ♦Smoking/Non-Smoking Rooms
♦Modern, Comfortable Rooms
♦King Size and Double Suites
♦Wi-Fi Internet Access
♦Rooftop Swimming Pool
♦Work Out Room

♦$45 Nightly w/tax

♦$169.50 Weekly w/tax

RED RIVER
♦$525 Monthly
726 Scott Ave

HOSPITAL Wichita Falls, TX 76301

940-767-9700
Behavioral
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UI
4USFFU
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Page 18
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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
financial 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.

Wichita Falls-Kell Wichita Falls-Downtown Burkburnett

2525 Kell Blvd, Ste 100 909 8th Street, Ste 101 301 South Ave D
940.763.2100 940.322.5600 940.569.9000

Danny Cremeens
Sr. Vice President

Tommy McCulloch
President & CEO

Page 23
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