We want your organization's news! Submit your press release here!

Find more local news each month in: 
The Cross Timbers Gazette
Since 1979

We want your organization's news! Submit your press release here!

We want your organization's news! Submit your press release here!

We want your organization's news! Submit your press release here!

We want your organization's news! Submit your press release here!

Living Section

Advice Columnists:

Dave $ays

Get Fit with Kelli Calabrese

Life Coach Vince Ebata

Mia's Canine Solutions
 

Butterfly garden takes wing on local campus
Thanks to Coram Deo Academy Senior Matthew Thiede, butterflies now have a permanent home at the school’s Flower Mound campus.

Registered as Monarch Butterfly Waystation #2721 by the Monarch Watch organization, the Lepidoptera Garden was created by Thiede as an Eagle Scout project. Theide organized a work day which drew most of the basketball team, fellow scouts and other classmates. The students brought plants, trellises and benches to create the waystation.

Mary Ligon, Coram Deo Academy science teacher and a master naturalist, plans to use the garden, one of only three in the
area, as an educational tool in her classes. Students will learn how to tag returning monarchs, recording the data with the
University of Kansas, which studies migratory changes.

An example of much needed environmental stewardship, these Monarch Waystations provide milkweeds, nectar plants and
shelter for monarchs and many other types of butterflies and help assure the continuation of the monarch migration in North America.

Women plan holiday gathering to help community
The Bridlewood Women's Association will hold their Annual Holiday Luncheon and Gift Exchange on Wednesday, Dec. 10, at the Bridlewood Golf Clubhouse from 11:00 a.m. to 1:30 p.m.

Entertainment will include a Flower Mound High School choir and the Class Act Tap Line.

Admission is $22 for the buffet luncheon in advance and $25 at the door. Make checks payable to BWA, Att: Dianne Hickey, 3801 Fairfax Way, Flower Mound, TX 75028.

Please bring a holiday gift (maximum $10) to be exchanged. The group has adopted two charities this holiday season: Alley's House - assisting teen moms and their newborn to 6 year old children - and Cross Timbers Care Center.

Suggested Alley's House donations include new items and toys for young children, especially character toys and Barbie dolls, jackets for teen moms, or gift certificates to Target, Wal-Mart, Kohl's, or Big Lots.

Cross Timbers Care Center donation ideas include scarves, gloves, socks, zip sweatshirts, red lipstick and light cologne.

Patrons may either bring their unwrapped donations to the meeting or drop them off in advance at 3801 Fairfax Way, Flower Mound, TX 75028.

Please contact Shari Williams with any questions or suggestions at 972-315-5909 or Williams_4120@verizon.net

 

Advice on personal finances from popular radio personality, live event speaker, and best-selling author, Dave Ramsey.

Question: Dear Dave, I cashed out my portfolio several months ago, because I just couldn’t sleep at night with all the market swings that were happening. What do I do now that I have the cash? Max

Answer:  Dear Max, That’s a tough one. Personally, I wouldn’t have cashed out. The good thing is that you cashed out high and now you can buy low. The bad thing is the market may go even lower after you jump back in the mix!

But your biggest problem isn’t your sleeping habits. It sounds to me like you got caught up in the doomsday talk and forgot to think about things from a long-term perspective.

I recommend that you go back to what I’ve been teaching for years. When it comes to investing, take the long road.  Don’t worry about what’s happening today. Don’t worry about what may happen next week, next month or even six months from now. An investment is something you leave alone at least for five years.

If you look back over the history of the stock market, 97 percent of the five-year periods have made money, and ALL of the 10-year periods have made money.

We’re going to be okay. The American economy will prosper in the long run! Dave 

Question: Dear Dave, My wife and I bought long-term care insurance 17 years ago. We’re now in our eighties. We’ve never had to use this insurance, and we were wondering if buying it was the right thing to do. Ken

Answer:  Dear Ken, You bet you did the right thing! A nursing home costs $30,000 to $50,000 a year. That kind of money will crack and scramble a nest egg in no time flat.

I strongly recommend buying long-term care insurance by age 60 that will cover in-home care or nursing home care if needed. It’s absolutely vital!

The fact that you haven’t had to use the insurance is a blessing and a wonderful testament to the way you’ve lived your lives. God bless you both, Ken. Dave

Question: Dear Dave, My wife and I have about $20,000 in credit card bills. We’re very serious about getting out of debt, and we’ve been thinking about selling her wedding ring we bought back in our big spending days. It not the original ring, but it’s made up of diamonds from the original. We’ve been told its worth about $30,000. Should we sell the ring to pay off our debt? Everett

Answer:  Dear Everett, You need to hang on to that ring. I understand how badly you guys want to get out of debt, but a wedding ring is more than just a piece of jewelry – even if it’s not the exact original.

A wedding ring – whether it cost $30 or $30,000 – is a symbol of love and commitment, hopes and dreams, and the promises you made to each other and God on your wedding day.

You can pay off your debt by delivering pizzas part-time for a year and a half. It’ll be tough, but remember it’s only temporary.

Take any extra, honest work you can find. But don’t ask your wife to give up her wedding ring! She may say okay now, but you’ll both regret it later. Dave 

Question: Dear Dave, We recently began your plan, and we’ve got our starter emergency fund of $1,000 in place. Is it okay to spend this on Christmas gifts if we know for sure we can replace it in January? Mike

Answer:  Dear Mike, Absolutely not! That’s the equivalent of financial suicide. The moment you do that, Murphy will move in your spare room and bring along his brothers, Broke, Desperate and Stupid.

Everyone wants to have a nice Christmas. And if $1,000 was all the money you had in the world, I’d be okay with you spending a little bit. But the key word in “emergency fund” is EMERGENCY. Christmas didn’t sneak up on you, man. It happens on December 25 every year.

Next year, put a line in your budget for Christmas gifts. You can save a little bit each month, and by the time December rolls around you’ll have a nice chunk of change for gifts and other Christmas expenses.

For now, go out and find a part-time job. If you deliver pizzas or throw boxes over at UPS for a few weeks, you can still make enough to cover Christmas gifts for your family! Dave

Question: Dear Dave, I run a small, family catering business. We make everything from scratch, and we specialize in corporate events. Our problem is that the cost of eggs, butter and flour has more than doubled in the last few months, and some of our best customers are having trouble with the increased price we’re asking for our services. How can I make them understand that we’re not just padding our own pockets? Grace

Answer:  Dear Grace, It takes money to keep the sweet rolls sweet, doesn’t it?

If I were you, I’d show them your invoices and let them see for themselves what you paid for eggs and other ingredients a few months ago, and what it costs now. The key is to give them a “why” along with a “what.” Both you and your competitors are being affected by the increase in prices, Grace. Some of the bigger companies may be able to eat the increase for a little while longer, but they’re using the same stuff you are, and eventually it’s going to come home to roost for everybody.

In situations like these a price increase is almost always handed down to the consumer. Seems to me you’ve got two choices. You can either raise your prices a little bit and explain why, or go broke! Dave

Question: Dear Dave, I run a small upholstery business out of a shop in my garage. I’d like to expand to a bigger facility. Would it be a good idea to sell my property and buy a place where I could have a bigger shop built? Carol

Answer:  Dear Carol, I think I’d rent for a while before I jumped into the real estate market. You don’t need a fancy office for the kind of work you’re talking about. You just need more room.

Chances are you can find something simple that’s nothing more than work and storage space for a few hundred a month. I’d stick with that until the business really gets rocking and your revenue can justify a bigger place.

Here’s the deal, Carol. It’s going to turn into a nightmare if you get too big too fast, and one fine day realize you can’t produce enough to make the business work! That won’t be good for anybody! Dave

* For more great advice from Dave please visit Dave Says Articles.

Fire Scramble A Success
Submitted by Penny Gee

Perfect weather was enjoyed by golfers who participated in the 7th Annual Fire Scramble benefiting the Argyle Volunteer Fire District and Communities Civic League at the Lantana Golf Club on Nov. 6.

First place was taken by team 6A (pictured right): Brian Trulove, David Castro, Deke Alexander and Noah Longino.

Second place winners were team 1A: Dennis Wade, Jess Trowbridge and Sam Slayton

Third place golfers on team 4A were: Chip Boyd, Josh Green, John Green and David Sholar.

A tournament first - a hole in won – was achieved by golfer, James Schilling of N. Richland Hills. Classic Lincoln Mercury Mazda sponsored four hole in one prizes. James Schilling won a 3 day 2 night vacation to Double Tree Golf Resort. Argyle business owner, David Castro of Texas Meats was a double winner. He was on the first place team and won the “longest marshmallow drive.” Dennis Wade of Sante Center for Healing was also a double winner. He played on the second place team as well as winning “closest to the hole.”

Returning sponsors included: Staley Steel, Miles Foundation, NorthStar Bank of Texas, Point Bank, Paradise Liquors, Denkmann Southwest LLC (Bartonville Town Center), Sante Center for Healing, Orthopedic Associates, and The Cross Timbers Gazette.

Other sponsors included: VFIS of Texas, Grapevine Chrysler Jeep Dodge, Title Resources, Argyle Dental Connection, Texas Meats, Golf Etc, Classic Lincoln Mercury, Essential Day Spa, Oakmont Country Club, Ben E. Keith, Timberlink Golf Club, Med Spa 407, Outback Steakhouse, Pantech, ReMax North Associates, JT Clothiers, Noble Classic Homes, AT&T Mobility, ATC Logistics and Electronics, and Pantech.

Argyle Fire Chief, Mac Hohenberger, and his fellow firefighters were on hand to assist in tournament efforts. Communities Civic League lady volunteers want to THANK all local donors, sponsors and golfers for another successful fundraiser for our community.

Area ladies are invited to join CCL and volunteer their time toward benefiting community charities in Denton County. Visit www.cclargyle.org for more information.

Turkey fry benefits local causes

Allegiance Title recently hosted their annual Turkey Fry and raised awareness for Christian Community Action and Habitat for Humanity's Women Build. Pictured from left to right are: Angie Cox, Sandy Adams, Dawn Enoch Moore PC, Jeannie Willis, Sherrie Greggerson, and Sue Grindinger.

Ladies ready for the holidays
Submitted by Colleen Preston, Publicity Chair

This December, don your After 5 Holiday Attire, bring your spouse or a friend, and join the Lantana Ladies League for a delicious dinner and a night of dancing!  On Tuesday, Dec. 16^th, LLL will be hosting a Holiday Dinner Dance from 7:30 – 11:00 p.m. at the Lantana Golf Club. 

The menu includes a choice of entrée – Chicken Marsala or Roasted Round of Beef.  Both entrees include a Fresh Garden Salad with Ranch & Italian Dressings, Parmesan Garlic Mashed Potatoes, Fresh Vegetable Medley, Fresh Rolls and Butter, Iced Tea, Water & Coffee.  For Dessert, enjoy a White Chocolate Éclair Torte.  Cash bar will be available.  

In lieu of an ornament exchange, Gift Cards in increments of $10.00 for the Denton County Child Advocacy Center would be appreciated. 

The cost is $35 per person, and payment is due to Carol Reinbeau by December 1^st.  There will be no refunds after December 10^th.  For questions, please contact Carol at 940-725-0281 or email lantanaladiesleague@yahoo.com. 

LLL will be accepting donations of gently used or new eyeglasses and reading glasses to help Operation Christmas Gift this holiday season.  Operation Christmas Gift is an annual event hosted by Operation Care whose goal is to provide a joyous holiday season for the homeless in the Dallas/Fort Worth Metroplex.  Operation Care is a non-profit organization that provides for the physical and spiritual needs of the homeless men, women and children of the Metroplex.  In addition to the many wonderful services and presents they provide for the homeless at Operation Christmas Gift, individuals will have the opportunity to be screened and fitted with glasses that have been donated.  What a difference we can make by giving someone the ability to see the world a little brighter!

Please bring any gently used or new eyeglasses to the November 18^th meeting.  Reading glasses will also be available for purchase for $1.00 at the meeting, and LLL will be accepting donations to purchase additional pairs for this wonderful cause. 

All raffle donations received at the November meeting will be donated to "We Care Facilities", a community based home that provides relief and shelter for homeless and disabled individuals in Denton and Dallas Counties.  All raffle proceeds will be used to purchase a grocery gift card for their Thanksgiving Holiday Project which will help their organization to purchase Thanksgiving dinners for families in need.

The Lantana Ladies League (LLL), formed in Spring 2005, is a not-for-profit organization that provides volunteer and monetary support for the Chidlren’s Advocacy Center for Denton County (CACDC) and Lantana-based schools.  The mission of LLL is to provide community support and involvement through participation, service, charitable contributions, and special events, as well as to form lasting friendships with women of mutual interests. Meetings are held on the 3rd Tuesday of every month from September through May.  For more information about LLL or to become a member, please email lantanaladiesleague@yahoo.com, or visit www.lantanaladies.org.   

Christmas play tickets on sale
Studio B Performing Arts Center in Highland Village will present the classic holiday story “Babes in Toyland” in December. “Babes in Toyland” is a classic holiday story that is appropriate for the whole family.

Follow the villainous Barnaby as he pursues Mistress Mary, even though she is in love with Alan. Alan gets help from the all the popular Mother Goose characters from Mother Goose Land to pursue Mary.

The show will open on Friday, Dec. 5 at 7:30 and run Saturday, Dec. 6 at 2:30 and 7:30, Sunday, Dec. 7 at 2:30 and the following weekend, Dec. 12 at 7:30, Dec. 13 at 2:30 and 7:30 and Dec. 14 at 2:30.

Tickets are on sale now by calling 972-966-2787 or going online to the “tickets” page on www.studiobtheater.info. Bring a canned good to the Saturday matinees and get half off of your general admission ticket.

Ticket prices are $15 for adults, $12 for seniors and students and $10 for all children 10 and under. Studio B is located at 2400 FM 407 in Highland Village. For more information, call 972-966-2787 or email studiobtheater@aol.com

Used book sale a success
The Friends of the Flower Mound Public Library raised over $2,000 during their October Used Book Sale. All of the proceeds go back to the library to purchase books and support programs. The group's goal for 2008-2009 is $30,000. The next book sale is planned for April. Used books can be donated to the library, located at 3030 Broadmoor Lane in Flower Mound.

Financial "Planning"
By Brandon K. Agamennone

Why is it that most financial “plans” fail? Is it the reactive, predictive nature of modern planning in an un-predictive and dynamic world? Is it that most “planners” are selling product rather than strategy?

Most financial plans involve significant number crunching and false assumptions which include predicting rates of return, assuming certain tax rates while also assuming that over the course of the plan your life never changes. Here is the generic formula:

A (Amount of money)*B (certain amount of time)*C (linear rate of return)=D(Pot of Gold)
$10000*20 years@10%=$630,025

This seems to be a great concept…in a Utopian society. What about inflation, fluctuating rates or return, income tax increases, property tax increases, etc? What does that $630,000 really look and feel like 20 years from now?! If you assume a 3% inflation rate, just one negative year in the stock market and a tax increase of just 5%, you now have less than half of that original amount 20 years from now.

Let’s begin to break this down into more realistic parts. Beginning with the amount of money required to fund that plan.

Is it possible the amount required to fund ‘the plan’ will have to increase over time? Perhaps at the time you started this ‘plan’ you were 25 years old, single, and the world was your oyster. However, as you continued to fund this plan, your inflation changed. I’m not only talking about the inflation we all deal with, i.e. the price of milk, gallon of gas, etc. but I am also talking about the inflation that is specific to your life as an individual. You got married, have 2 or 3 children, the stock market ‘corrected’, an in-law had to move in, tax rates increased, your company downsized, etc.

This concept which so clearly mirrors real life is called the eroding factors of money and can wreak havoc on your ‘plan.’ Can you begin to see why predictive, traditional planning causes so many plans to fail?

A lot of financial planners like to say how good the rates of return are for their clients. That’s wonderful, but did they ever consider the vehicle that was driving those returns or the fact that generally speaking as rates of return go up so does risk? Did they take into account the individuals’ tax implications on that money, liquidity or access to the money if necessary, risk and volatility, as well as fees and penalties associated with that particular product?

One of the largest problems I have with traditional financial planning and the use of money is that most traditional planning tells people to set a certain amount of money in a pot for a certain amount of time for a certain need, i.e. college funding and then when the government tells us we can use it, we get to use it for that need. You may ask, “What is wrong with that?”

Let me ask you a question. If I offered you a chocolate covered rotten apple and all you could see was the chocolate, would you take a bite? If you like chocolate, of course you would. After getting a taste of the rotten apple however, you would most certainly throw it away. In the realm of personal finances, this could be disastrous because you can’t always “throw away” the rotten financial product without taking significant hits down the road in penalties and taxes.

The other problem with the putting ‘money in a pot and watch it grow’ theory is LOC’s. That stands for Lost Opportunity Costs. What this means is that once your ‘need’ is met, i.e. college is paid for; you no longer have the use of that money going forward. What could the “opportunity” have been on that money had you still had it on your balance sheet?

For example, you are 25 years old and set up a 529 plan for your child at birth with an initial deposit of $5000. You contribute $100 month for 18 years. At age 43 you would have approximately $60000 in that account if we use a linear 7% rate of return (not a good assumption). College is now paid for assuming the cost of education does not go up (LOL) in 18 years and you wipe your brow and say, ‘Whew!’ So you just spent 18 years saving up an amount of money with tax advantages and then ‘little Johnny’ went to college and you gave all that money away. Is that right? What about that $60K? It’s gone. But you’re only 43.

Let’s see what the money could have done for you at age 65 assuming those same contributions and rates of return…just play along for a second. That money is now worth $328,747. You lost out on roughly $260,000 at retirement because you used traditional financial ideas and products. Fair? No. Does that mean I don’t pay for college? Of course not…but maybe you pay for it in another way.

A dollar does not know whose account it is in whether it be a bank, university or the pocket of a hard working American. Why should it operate differently depending on owns it? It should not.

There exist very pro-active wealth accumulation ideas that use non-traditional concepts and strategies rather than reactions and predictions to accumulate wealth and take care of all your needs in the process. There are ways to lower taxation, lower risk and increase overall liquidity and efficiency of money so it operates more effectively for you and it does not have to work as hard to accomplish the same tasks. There are no magic bullets and each situation is different but that truly is the point. We are all in different situations.

Why do football teams have different playbooks? Why don’t all teams just run the same plays that they scored a touchdown on last play? Could it be because the defense, players, and each game are different and dynamic? Just like the financial world…and your world.

If you have ever asked the question, “Is there another way?” I would welcome the opportunity to meet with you and discuss your specific situation. Click here to learn more.

Brandon K. Agamennone is a Registered Representative of Guardian/Park Avenue Securities, 1081 Post Oak Road, Argyle, TX. 76226. He can be reached at 214.797.6637 or www.guardyourwealth.com.  Registered Representative of Park Avenue Securities LLC (PAS), 4601 Spicewood Springs Road, Austin,Texas 78759. Securities products and services offered through PAS, (512) 343-7947. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Financial Process Group is not an affiliate or subsidiary of PAS of Guardian. PAS is a member FINRA/SIPC

Thanksgiving Preparations
By Mia Dunn
As the change of seasons bring cooler weather, we all start preparing for the holidays. As you start thinking about who will be attending your festivities, you should also think about how you will manage your dog as well. Consider the temperament of your dog and the way your guests feel about dogs In general before deciding to include your dog in the festivities!

Many people entering and exiting and opening doors become a recipe for a lost dog if your dog bolts. Make sure you have current tags and a sturdy collar for easier identification if your dog should get lost. Having your dog micro-chipped is always the best form of ID, as most veterinarians and shelters have the ability to scan for chips.

Training your dog to wait at doors, as well as teaching your dog a formal introduction to strangers, will make your guests arrival much easier on them.

If your dog is afraid or aggressive to strangers, then boarding your dog at a kennel is a very good idea. Make reservations now, as even a very large kennel (like Toothacres Pet Care Center where I train) will book up fast.

Sending your dog to board and train during the busy holiday season is an option many people opt for; as it gives you time to really focus on family while your dog learns new ways of behaving. Shop wisely when considering board to train options, as with this option you truly get what you pay for.

Please call of you would like a consultation to discuss training options for the holidays. Mia's Canine Solutions 972-849-7688 or www.miascaninesolutions.com

Calling All Mentors
Girl Scout volunteers come from all walks of life. Some are professionals, college students, and retirees who may not have daughters, yet know the value of the Girl Scout experience. Others are stay-at-home or working moms, dads, and grandparents who want more quality time with their daughters and granddaughters. Without volunteers’ dedication, many girls in need would be without the guidance, friendship, and quality programs that Girl Scouting offers. Interested individuals 18 years of age or older should contact gssu408@verizon.net to learn more about this wonderful opportunity.

Keeping the Neighborhood Safe When a Sex Offender Moves In
How to Protect Your Family from Sexual Offenders
By Tina Marie Frawley

They are a parent's worst nightmare - sex offenders who are living in the neighborhood.

Because of Megan's Law, introduced in the 1990's after seven year old Megan Kanka was sexually molested and murdered by a convicted sex offender living across the street, convicted sex offenders are required to register with local police so police can track their activity. The offender in Megan's case invited the young girl into his home to play with a new puppy before attacking her. Megan's parents later said they never would have let their daughter outside alone had they known there was a twice convicted sex offender across the street.

It is important to know that all convicted offenders are required to register and make their whereabouts publicly known. Periodically check with the sex offender registry website. Information and education is the best way to protect your family and neighborhood from sexual assault crimes.

Remember not all sexual offenders will be included in the registry; only convicted offenders are required to register. If someone was a minor when they committed the crime, they will not have to register. In addition, if an accused sex assault criminal has accepted a plea deal after being charged with a crime, the plea may include the defendant accepting a lesser charge that does not require him or her register with the local police. Just because someone is not on the registry does not mean that your children and family are safe; educate yourselves and your family and know what to look for.

Also important, sex offenders cannot legally be forced to leave a neighborhood because concerned parents and citizens do not feel comfortable with them living in the area. Antagonizing registered offenders will only create more problems. Feeling as though they are being attacked or harassed may make a former offender act out, or they may leave the neighborhood and not register in the next place they live. This leaves future neighborhoods vulnerable to unknown sex offenders.

As long as sex offenders are not breaking any laws and follow the rules set forth by their probation or parole officer, they have a right to reside without harassment in a neighborhood.

Here, we have gathered information each parent, grandparent and concerned citizen should read and make notes of to help keep your neighborhood safe.

- Teach children the importance of not talking to strangers.

- Educate children about the allure tactic where adults try to entice them with candy, kittens, or seek their goodwill to help find a lost puppy or child. Children need to know it is not safe to go with a stranger and they should find their parent or trusted adult, such as a baby-sitter or sibling, and tell them what happened.

- Have children who walk to school or a friends house plan a route to take which allows them to walk only on sidewalks. Do not let them walk in the road and tell them to never cut through someone's lawn or driveway to save time.

- Children should learn to dial 911 in case they need help from police. It is important that children only dial 911 in a true emergency and not for fun. Knowing how to reach help can save their life if used properly.

- Have children memorize their home address and phone number in case they need to tell an adult such as a police officer where they live. Smaller children should have their home information written inside clothing and secured in backpacks and suitcases.

- Never let children play outside where they cannot be seen by you or other adult family members. Children should come home at a certain time that is well before the sun goes down. Children should also know where they can go if there is trouble such as a friends house or a police station.

- If you are concerned about an adult who may act suspicious or be involved in illegal activities, call the appropriate authorities. If this person is employed by the school system, call the principal of the school. If this person is a neighbor, then call the police or department of corrections if you know they are under supervision by a parole or probation officer.

Remember to continue your education in the area of sex offenders and crime. Educate your children as well. Make a habit of checking the sex offender registry often; and keep in mind not all sexual offenders will be included on the registry. Do not rely solely on the registry for your information and be aware of adults in the neighborhood you may not know.

Trees are the "anchor" of your landscape’s design
by G. Owen Yost, Landscape Architect emeritus
When I started my formal education in Landscape Architecture last century (really!) my professor gave me some advice we can all use. “If you only have a modest bit of money to spend for a landscape design,” he told me “spend most of it on a large tree to serve as an anchor to the new landscape.”

In design terminology, a large tree is the “formgiver” that landscapes often crave. It’s the anchor around which all other landscape elements revolve. In everyday
terms, trees can reduce your heating and air conditioning costs considerably. Trees help clean the air. Trees add beauty and color. Trees provide shelter from the rain and sun. Trees can be home to many different kinds of wildlife. At the top of most lists, also, is that trees add value to your home.

To that list I’d add that trees let us live. In one year, two healthy mature trees produce roughly the amount of oxygen breathed in by the average adult during that
same year (Think of that the next time a tree is cut down).

Choosing the right tree for your north Texas yard is a decision not to be made hastily. Here are six guidelines to help you make the right choice;

MATURE SIZE – To the amazement of some, trees grow bigger every year. A large tree is called a “canopy” tree. Examples for this area are pecan, bur oak, cedar elm and green ash. Small decorative trees are called "understory” trees. They include redbud, Mexican plum and yaupon holly. Make sure the tree you select has a size that won’t have you cutting it back every year.

SHAPE – A mature tree has a very distinct shape. It may be tall & thin, spreading, oval, or several other shapes. Of course, a new, young tree (whatever the species) looks something like a stick. But this will certainly change. Also look at a tree’s branching habit. Some trees (magnolia for instance) have branches near the ground. Others (like cedar elm and most oaks) branch about eye-level.

COLOR – Sure, every tree is green at some time. But you may want one that’s perpetually green – or “evergreen”. Several species have vibrant fall color (like
sweetgum, blackjack oak and persimmon). Maybe you want nice flowers?

DRAINAGE – All trees need good drainage (3 or 4 hours after a heavy rain, no water should still be puddled there). A few kinds can take poor drainage, but none thrive in it. So choose a location where water doesn’t stand.

Good drainage is particularly important during the first few years a tree spends in the ground – when it needs water frequently. After that, especially if you’ve
planted a native tree like redbud, pecan, red oak, juniper etc., it should be watered only in extreme and prolonged drought. So avoid planting a tree in your
lawn, which you’ll probably water frequently.

LIGHT – There’s not a tree alive that doesn’t need light. Different species, however, do best in differing light conditions. If you plant a species that likes
full sun, in dappled shade, it may live. But it won’t grow much, and will look sickly all the time.

Printed tags on trees often say “full sun” or “partial shade”, but add your own common sense. Remember that the tag was a probably written by someone who lives somewhere else – where “full sun” means something other than what it means in Texas.

CARE – Most trees native to north Texas demand very little maintenance from you. Just the occasional fertilization (Maybe none, depending on your soil), perhaps a pruning of a branch that’s hanging over a sidewalk, or an occasional light watering (necessary in a drought only). Native trees have evolved to withstand most insects and diseases, thrive in our soil and require very little water.

Faddish, aggressively marketed trees (like austree and royal paulonia), on the other hand, often require a lot of ongoing, expensive care.

Why am I telling you this now? Since we’re in “the south”, the very best time to plant trees is right now – through about Thanksgiving. So get busy!

Owen Yost is a Landscape Architect Emeritus from Denton County, and co-owner of Denton's Wild Bird Center. He is a member of the American Society of Landscape Architects (ASLA), Keep Denton Beautiful, Audubon Society, National Wildlife Federation and the Native Plant Society of Texas. Reach him at Yost87@charter.net

Often-overlooked birdwatching methods
By Nancy Collins
Watching birds is fun and rewarding. If you really want to see a bird that doesn’t want to be seen, however, try some overlooked methods.

The most important things are obvious; no loud sounds and no sudden moves. However a few others deserve your consideration, because (more often than not) they work!

One very important factor that’s often overlooked is the color of your clothing. Birds really aren’t attracted at all by how well you’re dressed. As a matter of
fact, the more you ”blend with the scenery” the more birds you’ll see. Earth tones are always good. Brown, tan, grey, navy blue, even dark green. Of course, your location makes a difference (if you’re in the Arctic, white may work well). Most of the time, however, white and similar vivid colors look like huge predators to wild birds – they fly away as fast as they can.

Sitting quietly and patiently in a potentially good place doesn’t sound like much of a strategy, but it works amazingly well. Real patience is hard to come by, but it’s vital. When you come into an area, you’re “new”. The birds need five or ten minutes of seeing you being patient and still before you become part of the scenery and are not seen as a threat. No loud noises, no walking around, no cell phone beeps or such. With patience, the birds will eventually resume normal activity.

Some folks like to hide behind a wall or screen – called a “blind”. But if you’re quiet and still, a blind is unnecessary. You don’t have to be totally motionless. If
you need to move, do so – but do it slowly. For instance, take a few seconds to raise a bottle of water up to your mouth.

Pishing is a sound sometimes made by birdwatchers to “call” birds. It’s simple – just say “pish” in a loud whisper as you exhale. When they hear it, birds usually get curious. It works best if you hear a bird but can’t see it; pishing often coaxes it into the open. A word of caution, however, if most of the people in your group “pish” most of the time, it won’t take long before it’s just a waste of breath – sort of like “crying wolf”.

Bird imitations can also be made with a small, wooden bird call devise. It’s smaller than a flashlight battery, and makes bird-like sounds when you twist the parts. The noises sound realistic to us, but may be saying something unpredictable to a real bird (no bird has told me, yet). Used in moderation, however, it sometimes attracts curiosity-seeking birds.

Another trick is to “seed” an area - scattering fresh seed on the ground before you actually birdwatch there. It’s best done a day (or at least several hours)
beforehand – giving birds the impression that the seed simply appeared, and no human put it there. It works best with ground-feeding birds such as Cardinals, Doves, Sparrows, Thrashers and Juncos. It’s important to use unquestionably fresh seed (it looks the same to you and me, but birds can tell if seeds’ old).

Another tip; always keep binoculars handy. Interesting birds always seem to appear when you’re doing anything but looking for them. When buying a pair, it’s important to pick them up and try them out in natural light conditions. However, I carry a cheap pair in the glove box of my car for times when an Indigo Bunting or Brown Thrasher is flitting around the playground as I wait to pick up grandkids at school.

NANCY COLLINS is a Denton County Master Naturalist and co-owner of Denton's Wild Bird Center (www.WildBird.com/Denton) She is an avid watcher and feeder of Texas' wild birds (and a few squirrels), a member of the International Wildlife Rehabilitation Council, National Wildlife Federation, the National Wildlife Rehabilitators' Association and Native Plant Society of Texas. Reach her at 484-BIRD (2473) or Denton@WildBird.com

Robson Ranch Gets Creative
A new Creative Arts Center is now open in Robson Ranch. The 15,000 sq. ft. facility has areas for woodworking, a library and computer room, homeowner art gallery, ceramics with kilns, sewing and quilting, and three large multi-purpose rooms for general arts and crafts. Clubs will soon be forming with a variety of classes being offered. Call 940-246-2000.

Why Can’t My Child Behave?
Argyle PTA forms Health and Wellness Committee
By Sarah Davee – Hilltop Elementary PTA President

"Why Can’t My Child Behave?" was the headline of a session I attended this summer at Texas PTA's leadership seminar in Austin. As a mom of three young boys my interest was immediately piqued. The description read "Synthetic colors, chemical flavorings, and preservatives are bombarding our children's bodies and minds, making them crazy and uncontrollable leaving teachers and parents frustrated. Learn to identify toxic additives and make better choices at the grocery store, where good health begins."

Along with 3 other PTA leaders in attendance we unanimously committed to beginning a Health and Wellness committee focused on educating parents about how our food and fitness choices or lack thereof can significantly impact the health and well-being of our children and ourselves. It was eye opening to learn of the significant increase in recent years of diseases such as cancer, diabetes, obesity, asthma, mental illness like attention deficit and even the suicide rate – especially in younger people. To be honest, it really scared me.

When I think back to when I was a child, our generation was not nearly as sick as kids today. My hope is that all parents and teachers will take an interest in understanding the detriment of our lifestyle choices and seek out ways to make improvements. As school began and the reality of busier schedules and school lunches came upon us, I knew I had to act fast to get the year started off right. I immediately used my Argyle PTA directory to call up Kelli Calabrese, our local health and fitness guru. She graciously accepted to serve as chairperson and together we intend to make a real difference in the lives of our children this year and for years to come.

After speaking with Kelli, I learned that she has been conducting Grocery Shopping Tours for 10 years and is extremely passionate about empowering both parents and children to make the very best food and lifestyle choices to achieve the highest levels of physical, mental and spiritual well being. Some of the idea’s we have discussed implementing include a series of health and wellness seminars, a wellness advisory board, health fairs, a newsletter and more.

We would like to invite community members to join in sharing their expertise in wellness to provide seminars, articles, healthy samples, participate in a health fair or provide other resources in advising our community about healthy options to live a well life.

Prior to being a stay at home mom, I earned a Masters in Psychology via a PhD program in Health Psychology/Behavioral Medicine and I worked at Denton Regional Medical Center for over 10 years. I still have a real passion for the idea of a holistic approach to wellness. Now, as Hilltop Elementary's PTA president, I have the special opportunity to serve my kids and your kids in a way that can make a real impact on their future.

It’s important that we consider not just what we can do to improve their TAKS scores or what activity we can chauffeur them around to after school, but let us think about their whole person and what we are putting in their mouths and in ours as well. Our children are our most precious resource and if you have a child younger than the age 10, according to Dr. Ken Cooper you are expected to outlive them. If you are concerned about your child or your own body weight, lack of energy, sugar cravings or health condition join us as we best serve our community to become more fit.

Our first seminar called “Pantry Raid” is being led by Kelli Calabrese Clinical Exercise Physiologist and Certified Nutrition Counselor. This session will be an empowering hour taking a real look at the old saying “You are what you eat”. Kelli says, “Our pantries are filled with processed foods containing additives and fillers such as nitrates, caffeine, and high fructose corn syrup which are detrimental to our bodies and minds. You will come to understand how to nourish yourself and your family in a practical, tasty and simple fashion that you can enjoy and which fits your lifestyle”. If you are frustrated or confused and want to have more energy, less disease and healthier kids, join Kelli on Wednesday October 8th at 7:00 PM at Hilltop Elementary in Argyle. This event is free to all PTA members from any schools (bring your ID card) and only $8.00 to non PTA members, which is the cost of a membership.

Kelli Calabrese is the Master International Trainer for Adventure Boot Camp and in an effort to offer more health and fitness options to the community, she has just added 3 more boot camps including a men’s camp at 5:30 AM at Cross Timbers Community Church, a women’s camp right after the school drop off at 8:20 at the Intermediate School in Argyle as well as a 5:30 AM camp at First Baptist Church of Denton. For more information about the boot camps go to www.ArgyleBootCamp.com.

For more information about the PTA Health and Wellness Committee or the Pantry Raid Seminar, www.HillTopPTA.com or e-mail Kelli@KelliCalabrese.com

Argyle Adventure Boot Camp is also one of the sponsors for the Argyle Fun Run and Pancake Breakfast on Saturday, Oct 18th. It’s another great way to support your community in getting fit. All proceeds benefit the Hilltop Elementary PTA. For more information go to www.ArgyleFunRun.com

Possibilities and Dreams   
By Vince Ebata
DBA - i'mPossible! dreams
Certified Dream Coach^®
Career-Life Expert & Direct Selling Expert

I’m often asked how I came up with my “dba,” i’mPossible! Dreams. So in the next few months, I’ll share with you my business name.

My business name is an acknowledgment of my empowering belief that “I’m Possible!” John Updike, a prolific American novelist, short story writer and poet, said, “Dreams come true; without that possibility, Nature would not incite us to have them.” Thus, the foundation of my coaching philosophy follows two empowering principles: possibilities and dreams.

The principle of “possibilities” is based on the idea of “potential” and “promise.” These empowering words can stir up human emotions and actions in the most profound ways. It infers that something “can be” or “happen” or “to which we’re capable of being or becoming as human beings.” It speaks to our natural God-given gifts and talents (internal source) as well as to the total accumulation of knowledge and wisdom that we’ve acquired as individuals as we live and experience life (external source). By tapping into our internal and external sources, we become whole and open to achieving our possibilities and promise – our potential.

I should also mention the spiritual aspects of our being such as hope, optimism, faith and trust as well as our own cultural or ethnic values and biases about our prospects, outlook, expectations and aspirations about the future. Both our spiritual and cultural aspects of our being are influenced both by internal and external sources. It can’t be ignored as part of our being as individuals that can help us achieve our possibilities.

On the other hand, the principle of “impossibilities” is based on a disempowering concept or idea that something “can’t be or “can’t happen” or something we believe “can’t be done, attained or achieved.” It also means something that “can’t be solved” or “isn’t workable.” It’s so easy to turn something that’s possible into something that’s impossible simply by adding two seemingly harmless letters – “i” and “m” – at the beginning of the word “possible.”

However, all it takes is a change in our viewpoint, attitude and belief and, like uncovering a hidden code, the word “impossible” can easily be deciphered and transformed to create the words “I’M” (as in “I am” by simply adding an apostrophe between the letters “i” and “m”) and “POSSIBLE.” Suddenly, the disempowering belief and destructive word impossible can be transformed into an empowering belief and constructive phrase “I’M POSSIBLE.” It is that simple! Say it, “I’M POSSIBLE! Say it again, “I’M POSSIBLE!” Say it one more time, louder from your gut, “I’M POSSIBLE!” Every time you feel in doubt, say “I’M POSSIBLE!” and feel yourself being transformed into a powerful being.

It’s possible to live a life you love, and the life you live can be a dream that comes true. Your dreams matter and are worth achieving. It starts with an empowering belief that you can live the life of your dreams; you believe it’s possible to do so; and, deep down, you believe you truly deserve it. YOU DESERVE IT! You can find, create and design a dream, but it requires you to have the courage to make the dream a reality. Anything is possible and we can create a life we truly want by closing the gap between our reality and dreams – where we are now and where we want to be. Walt Disney said, “All our dreams can come true, if we have the courage to pursue them.”

It’s my goal as a coach to help you design the simple steps to discover your possibilities and fulfill your dreams. John A. Appleman, a trial lawyer and poet, said, “I have heard it said that the first ingredient for success [is]…dream, a great dream.” What matters is that you acknowledge that you CAN believe in their dreams. You CAN talk about it. You CAN share it – to declare it boldly – with others who matter. You CAN act upon it to make it real. Walt Disney also said, “If you can dream it, you can do it! I firmly believe that you CAN DO IT! But, first, you must examine your own attitudes and beliefs to determine whether it impedes or empowers you. Your attitudes and beliefs can either fuel your success or guarantee your failure. You must learn to limit the beliefs that hold you back. Instead, you must grasp firmly onto your aspirations and desires in a positive way to move it forward in a direction that is purposeful to you. American author, Henry David Thoreau, said, “Go confidently in the direction of your dreams. Live the life you’ve imagined.”

Believing is a very powerful way of living the life you’ve imagined and the best way you can shift you reality. It’s the most powerful force regarding their desires and getting what you want, IT”S YOUR CHOICE. You can choose to believe that which will empower and move you forward, or that which can impede or hold you back. Mark Twain said, “If you think you can or if you think you can’t, you’re probably right.” Realizing that you do have a choice in what you believe, regardless of your life experiences, can be the biggest and most significant breakthrough in your life. Thus, when you make positive statements, such as “I can make it happen” or “I can do that,” and when you choose to acknowledge it, all kinds of possibilities emerge.

Vince Ebata is a resident of Lantana. As a Certified Dream Coach®, Vince specializes in life coaching and life purpose coaching. Contact Vince at 940-725-0247 or info@iampossibledreams.com for a free one-hour consultation session. To learn more, visit www.iampossibledreams.com.

Teen gets green to study green
The Denton County Master Gardener Association has named David Gershenfeld as recipient of the Tom Harpool Horticultural Scholarship for 2008-2009. Gershenfeld is the son of Robert and Janet Gershenfeld of Highland Village. He is a Stephen F. Austin University freshman majoring in agronomy and geology. Gershenfeld received the $1,000 award at the association’s August general meeting. The Harpool Scholarship was created to assist and encourage students of horticulture or other garden-related subjects. It is awarded annually to a Denton County resident pursuing a major in horticulture or a related field at any college or university. The deadline to apply for the 2009-2010 Harpool Scholarship is March 31, 2009. The application is available online or by calling the AgriLife Extension Office at 940-349-2883.

Having "The Talk" with College Kids
By Brad Cason, Cross Focus Financial Coaching
No...not that kind of talk. That’s another issue that hopefully you have already covered. I am talking the credit card talk before you send them off by themselves and how college kids are targeted on campus.

Here's good news and bad news. The good news is that dozens of schools across the country have kicked credit card companies off campus in the last 10 years. The bad news? That just makes the plastic people more creative in how they market to teens that are on their own for the first time.

The newest scheme involves giving students a coupon for a free lunch at a restaurant just off campus limits. When they get there though, they discover that they can only get the free sub sandwich by (drum roll) ... signing up for a credit card!

These people know their stuff. They are cunning and they try to get around the rules in order to give your kids the ability to buy stuff they don't need with money they don't have, and thus they'll be paying for it until after graduation! They are trying to get something from your child!

This is why it's so important to teach your child about the dangers of getting wrapped up in credit cards. They are about to head off to college, and it's easier to find a credit card stand on campus than it is to find THEIR DORM ROOM! Since they are earning little or no income while at school, the last thing they need is debt to pay on. It's a big enough struggle to get by without adding thousands of dollars of debt to the equation.

You may be thinking 'my child would never do that. They are responsible with money.' Your child may have watched an action movie and seen how dangerous guns are, so would you let them sleep with a loaded one under their pillow? Of course you wouldn't. Teach them about the dangers of credit cards, and you won't have to worry about them getting into trouble with them.

A credit card collector doesn't love your child or have their best interest at heart like you do. You know that YOU will take the steps to make sure that your son or daughter knows how to properly drive a car without getting themselves or someone else killed. You need to take that same approach with how they handle money. Stay away from credit cards and live on less than you make. If someone is in a deep enough debt hole, they don't think clearly and will end up hurting themselves.

Don't let your child fall into this trap. If you go into debt, sooner or later you have to pay the piper. The longer you don't, the more pressure that gets put on you. Why do that to yourself? Even more, why let your children do that to themselves? Don't let that happen to them.
Source: businessandmedia.org. For more information on this and other financial topics that affect you and your family, contact Brad Cason at Cross Focus Financial Coaching, A Dave Ramsey Certified Counselor, at 972-200-0550 or www.crossfocusfinancialcoaching.com

Tails from the Trail
Flower Mound Parks & Recreation Update by John Thomas
What a summer for Flower Mound parks! The Community Activity Center opened in June to enthusiastic crowds, a record crowd participated in the Independence Day Children’s Parade, and an upper wind pattern made the Fireworks Show one to remember!

The extensions of the town’s trail system at Leonard Johns and Glenwick-Bridlewood were finally completed. The extension of the trail underneath FM 1171 at Parker Square will start in September. The concept plan for the Braden, Wilson, Ruff, Carmel Tracts east of the Community Activity Center will go before the Town Council this month.

This is the most exciting project I have ever been a part of in Flower Mound. I was there when we put in our first trail and when we opened our first ball field. But to watch as the ideas have taken root for the botanical garden, amphitheater, inclusive playground, conservation areas and trails and the dog park, I feel that I am taking part in something really special.

We have made a point throughout the years to create neighborhood parks within walking distance for families. Our trail system links many of these parks with each other and with neighborhoods and schools. The trail system will link the Community Activity Center and Gerault Park with the botanical garden area and Bakersfield. There also will be an internal path system within the botanical gardens.

This area is filled with a wide variety of native plants, and there are some very scenic views along the creek. It will be the showcase of Flower Mound. Actually, when Spinks opens to the east, it will become a scenic entryway to our town.

The idea of connecting Gerault and Bakersfield has been forming since we acquired the land for the Bakersfield ball fields. But I don’t think that anybody’s wildest dreams did they envision what is on the concept plan.

Once the Town Council approves the master plan, we will begin work on determining the phasing of the various aspects of the park. A lot will depend upon the timing of the expansion of Spinks and Garden Ridge. And of course, a lot will depend upon funding. With the 4B sales tax money, grants from various entities, donations and a lot of sweat equity, this park can become a reality. 

Protecting Your Business and Your Family
By Harold Shepard, Business Insurance Benefits
The successful business you and your partners built together took years of hard work and a great deal of capital. You certainly want your business to remain prosperous long into the future. Preoccupied with the day-to-day details of running the operation, you probably haven’t given much thought to what would happen if circumstances abruptly took an unexpected turn. What happens if you or your partner becomes disabled? Worse yet, what if one of you died suddenly? Could your business survive such trauma? Would your heirs be able to take over or would they be forced to sell the business?

Partnerships Are Not Eternal
Unlike a corporation, a partnership does not have an unlimited life. When a partner dies, the remaining partners legally become liquidation trustees. This obligates them to sell off the deceased owner’s share of the business. But to whom? At what price? That’s why business succession planning is so important. You’ll want to put into writing a formal plan of action that will allow a smooth transition of ownership and protect your family’s interest as well. A buy-sell agreement is one way to help assure the continuity of your business and give your family peace of mind.

Benefits of a Buy-Sell Agreement
Sometimes called a “business will,” a buy-sell agreement is a legal contract among business owners that states what will happen should a partner leave the business due to death, disability, or a lifetime situation such as retirement. The agreement obligates the remaining owners to purchase the business interest of the partner who has left the business, and the departing partner (or heirs) is obligated sell. This type of arrangement benefits your family in a number of ways: it will help free them of business worries at a time of crisis, guarantee a purchaser, and, if kept up-to-date, ensure a fair price for your business interests. Remaining owners also benefit from a buy-sell agreement: they know the purchase price of the business interests in advance; they don’t have to worry about new, perhaps unwanted partners; and the smooth transition will help the company retain the confidence of clients and creditors. With the help of an attorney, these agreements are easy to draft and flexible, allowing for alterations with the consent of all parties involved.

How You Can Fund Your Plan
Once a buy-sell agreement is in place, the next challenge is funding it. Where will remaining partners get the funds to purchase the business interest in question? There are a number of available options:

- Pay Cash - If sufficient funds are on hand, cash may be used to purchase the business interest in question. However, using savings that were earmarked for future ventures could endanger the long-term goals of the business.
- Take A Loan - If cash is not readily available, funds could be borrowed. The downside is that the extra expense of loan repayments may put a strain on cash flow and the debt increase may negatively affect the company’s credit rating.
- Sell Assets - Another alternative is liquidating assets to raise the money. This method could have a devastating effect on the business’s future, and should be considered only as a last resort.

The Sensible Solution
It becomes clear that a proper funding vehicle is needed to make a buy-sell agreement as effective as possible. With its many advantages, insurance can be a convenient means to fund the agreement without incurring a large financial burden. Insurance creates a guaranteed source of funds to purchase the business interest in question. Proceeds are immediately available exactly when they are needed: in the event of the death or disability of the insured. In effect, it could be said that the cause that creates the need also creates the funding. Those proceeds are, in most instances, free from federal income tax, and may help avoid the delays of probate. A buy-sell agreement funded by insurance may be structured in a number of different ways to suit particular needs.

Now’s the Time
It’s best to consider your options now while you’re still in the position to direct your business. Speak with your partners and your family, as well as your legal and tax advisors and your insurance agent. If you’re like most business owners, your business and your family are the two most important things in life. You don’t want to gamble with the future of either one. A buy-sell agreement funded by insurance is a convenient way to put your business affairs in order while protecting your family’s interests. It can give you the peace of mind you need to focus your energies on the continued success of your firm.

For more information on funding a buy-sell agreement with insurance and other solutions for your business insurance needs, please contact Harold Shepard, Business Insurance Benefits, 972-661-2000.

Submit To The Knit
If you enjoy knitting, crocheting or any form of stitchery, then get into the loop by joining the Highland Village Stitchers. The new group meets on the second and fourth Mondays of the month from 6:30 to 8:30 p.m. at Barnes and Noble in the Shops of Highland Village. For more information, call Colleen at 817-430-2129, or email colleen@fairoakfarm.com.

Disclaimer 

Back to LantanaLinks.com