WEEKLY Volume 23, Number 34 - August 27, 2010

Dean Sanders
Lawyer

2113 Kell Blvd

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

?
HOW DO I
GET A
LOAN?
It’s as easy as 1, 2, 3!
1 Bring in your merchandise in good working order.
2 Show proper state issued ID.
3 Get the cash you need.
If you need more time,just pay
the interest to renew the loan. CA$H LOANS
We accept jewelry, tools, guns,
car stereos, musical instruments
in minutes!
and much more!

CASH N MORE Pawn & Jewelry

767-5626
Call for FREE
126904

LOAN QUOTE!
3910 Jacksboro Hwy. MON-FRI 8:30-6 • SAT 9-5
www.cashnmorepawn.com
CHECKS LAYAWAY

Page 2
Page 3
Page 4
Accountants Are Needed To Keep Businesses Afloat
As the economy continues to recover, an increased
emphasis will fall on the accountability, transparency
and responsible financial management of businesses
large and small - putting accountants and auditors
more in demand than ever before. The employment
of accountants and auditors is expected to grow at
least 22 percent by 2018 - a rate faster than the aver-
age for all other occupations, according to the Bureau
of Labor Statistics.
Why small businesses need good accountants
The impact of a savvy accountant is even more pro-
nounced in small businesses and entrepreneurial
ventures. Small
businesses will be
instrumental to the
nation’s economic
recovery, creat-
ing 80 percent of
all new jobs and
driving innovation
in virtually every
field, the Small
Business Con-
gressional Com-
mittee predicts.
With this in mind,
it’s essential that
these businesses
understand and
practice important
accounting func-
tions in order to stay afloat. Unfortunately, 82 percent
of small businesses fail because they can’t manage
their money, reveals a study published by Jessie Ha-
gen of U.S. Bank.
“Whether it’s evaluating credit access, reviewing
terms of a vendor agreement, learning how to keep
a business profitable or even how to choose the right
accountant, all small business owners should pursue
a strong understanding of accounting’s role in man-
aging costs and maintaining success,” says Rieva
Lesonsky, former editorial director for Entrepreneur
magazine and current CEO of GrowBiz Media. “A
good accountant can help to avoid financial pitfalls
and put checks and balances in place by developing
Page 5
a comprehensive accounting plan of action.”
Entrepreneurial opportunities in accounting
The Small Business Association noted in a recent
briefing that entrepreneurship is crucial to the nation’s
economic revival and competitiveness in a global
marketplace. Furthermore, an environment ripe for
those with dreams of owning their own business,
combined with the need for such new businesses
to have a deep understanding of financial practices,
opens many doors for the entrepreneurially minded
accountant.
Rita Talamonti, a per-
sonal financial ad-
vocate who recently
launched her compa-
ny, Good Egg LLC,
knows firsthand of
the entrepreneurial
accounting careers.
The recent graduate
from DeVry Univer-
sity’s Keller Gradu-
ate School of Man-
agement returned to
school to earn her
master’s degree in
accounting and fi-
nancial management
after experiencing
a flood of requests
by other business
owners for her accounting expertise, which she had
gained while running a family-owned medical practice
business.
“Going back to get my accounting degree has pro-
vided me with an awareness of what is standard in
the industry and what is required to service my clients
at the next level by keeping abreast of new regula-
tory changes in the accounting field through contin-
ued certification and professional associations” says
Talamonti. “Combined with my prior experience, this
new knowledge allowed me to understand cash flow,
taxes and financial statements - how to fund and start
my business, determine how my revenue was going
to be generated, and how to invest it after paying tax-
Page 6
es on profit.” Talamonti soon recognized this type of DeVry University, along with its Keller Graduate School
knowledge was in high-demand by a growing number of Management, is helping to meet the increased de-
of newly launched family businesses. mand for accounting skills by providing an integrated,
fast-track path for students to earn the undergradu-
Accounting for business and career results ate and graduate credentials they need to become
“The key to a sustainable business is making sure respected and sought-after accounting professionals.
that all involved parties are aware of intimate finan-
cial details,” says Joyce Barden, senior professor Whether starting as a high school graduate, transfer-
of accounting at DeVry University, who speaks from ring from a community college or changing career fo-
her own experience as both a Fortune-level financial cus, students interested in an accounting career can
manager and a public accountant serving primarily begin at DeVry University - www.devry.edu - where
small businesses. “It’s important for all employees to they can earn their bachelor’s degree in business ad-
have a solid, foundational grasp on the skills neces- ministration with a concentration in accounting. For
sary to provide this vital information.” those who wish to obtain a more advanced degree,
Keller offers master’s degree programs in business
Barden also sees a growing number of profession- administration (MBA) and accounting and financial
als from varying industries, and comprising a wide management (MAFM). No matter the career path to
range of ages, take advantage of existing accounting which they are applied, accounting skills will continue
degree programs. “Accounting is an industry with an to be essential to creating and sustaining successful
accessible entry point, which means that people can businesses in the 21st century.
use it to redefine their career focus at any time,” she -ARAContent
says.

Page 7
Page 8
 A Terrific Value for Your Accounting Budget:
Bryan Hart, CPA, CFE
Bryan Hart, CPA, CFE brings his
clients almost a decade of exper-
tise in all types of audit, tax, and
accounting services. From the be-
ginning of his
career he has enjoyed success
and recognition in both private in-
dustry and public accounting firms,
and has served as a Federal Audi-
tor for the Air
Force Audit Agency. In his role as
Federal Auditor he examined multi-
billion dollar federal awards. Most
recently, Mr. Hart was employed as
Attend college and high school without
leaving MSU’s campus area!
Come to Bright Ideas University Center,
a public junior high and high school that
prepares young minds for college.
Call us today at 940-767-1561.
My school
focuses on
learning,
character,
college...
AND fuN!
a Federal
Internal Revenue Agent for the IRS,
auditing large and mid-sized busi-
nesses in the Dallas/Fort Worth
Metroplex. He further specializes
in auditing
large non-profit organizations in
the North Texas area. Bryan Hart
stands ready to assist your corpo-
ration, your non-profit organization,
and your
family as a full-service Certified
Public Accountant and Certified
Fraud Examiner.
My school
offers both
high school &
college...
All Before I
grADuAte!
Announcing the addition of
Dance Classes & Texoma Judo!
Come to Bright Ideas Charter
School, a public school that’s been
Shaping Young Minds for 25 years.
Call us today at 940-767-1561.
Page 9
In addition to the areas of exper-
tise above, Bryan Hart offers the
following accounting services for
corporations, non-profit organiza-
tions, and
individuals:
- Audits, Reviews and Compila-
tions
- Tax planning and/or preparation
- Bookeeping and Payroll Services
- Internal Control Testing
- Fraud investigation, including ex-
pert testimony
- IRS representation (with experi-
ence as a federal agent)
- Business Planning
- Quarterly and Yearly Forecasting
and Planning
As the sole proprietor of his own
accounting firm, Mr. Hart is cur-
rently offering a special discount
to his initial clients. He takes great
pride in his work
and currently offers very affordable
rates when compared to his com-
petitors. We are confident that you
will find his work and expertise to
be of the
highest quality, with a very ef-
ficient turn-around time, and a
terrific value for your accounting
budget.
In order to show his appreciation
for his inaugural clients, Bryan
Hart will offer all new clients (dur-
ing 2010) a discount of 15% off
his already
competitive rates. Please contact
him immediately to prepare for tax
season and for a full menu of cor-
porate and individual accounting
services.
Page 10
Is going green worth it?
(ARA) - You’ve stopped buying bottled water, opting light bulbs starts to feel trivial.
instead for a reusable bottle you carry everywhere
you go. When you go shopping, your list leans toward And you start to wonder, if you are more confined by
the organic and recycled. But when you get home, budget than your earth-friendly neighbors and pals, is
going “green” seems a lot more daunting. going green worth it?

You hear stories about your ultra-conscientious neigh-
bors trading their old energy-devouring water heaters
and HVAC units for the new energy-efficient models,
putting up solar panels and installing the dual flush
toilets. Suddenly your effort to cycle out incandescent
The trick is figuring out what works for you and your
lifestyle, according to Mark Lewison, academic direc-
tor of the Interior Design Department at The Art Insti-
tute of California - Hollywood. “Find an improvement
that makes sense for your bottom line and then look

No kid should have

TXU Energy is proud to partner with

to worry about living

without electricity.
Sometimes even the hardest working parents get hit
with unexpected expense. We know about those times.
That’s why we have a program called TXU Energy Aid. Nobody should have to suffer
SM

without power for fear of an electricity bill they can’t afford. We’re proud to provide
temporary bill payment assistance to thousands of customers in critical situations
each year, right in your community. Since 1983, TXU Energy Aid has provided more
SM

than $61 million in bill payment assistance, helping 365,000 families in need.
Learn more at txu.com.

©2010 TXU Energy Retail Company LLC. All rights reserved. REP #10004
New Hope Church
Please Join Us For Sunday Services

300 Wichita Street, Wichita Falls, Texas 76307

Page 12
for green options in that area of improvement.” are using energy when they’re plugged in, even when
they’re off,” she says.
Reducing energy costs and
decreasing wear on the Going green is not just about
planet over the long term is saving energy and the out-
as easy as turning the lights side environment. Your in-
down low. “That’s where you door air quality counts too.
get the most bang for your Fineman says the paint
buck,” says Joan Jackson, most of us used in the past
associate professor of interior was actually filled with vol-
design at The Illinois Institute atile organic compounds
of Art - Chicago. “Dimmers (VOCs) that are bad for you
are cheap and extend the life to breathe in. That new paint
of the bulb five to 10 times.” smell was actually toxic.
Luckily, most paint sold to-
Interior design associate pro- day has low or no VOCs.
fessor Eve Fineman adds
that a simple and inexpensive If you do decide on more
switch in the type of bulb you costly upgrades like energy-
use makes an impact. “An efficient appliances or sus-
LED light has a really long tainable and rapidly renew-
lamp life and draws much able materials like bamboo
less energy.” flooring, you can still see
long-term savings, says
Jackson also suggests insu- Fineman. “Now there are
lating your windows as a sim- ways to assess and com-
ple way to keep down costs pare your cost up-front ver-
and keep your home com- sus how much the cost sav-
fortable in both the cold and ings over a 10-year period
heat. And what’s the easiest will be,” she says. “Most of
way to conserve energy? According to Jackson it’s the time consumers see that it’s definitely worth the
as simple as unplugging items when you’re not using investment, because they’ll save a lot over the long
them. “Most people don’t realize that your appliances term.”

“Any green or sustainable improve-

ments that can be made to a home
should increase a home’s value as a
whole in addition to helping the own-
ers save money,” Lewison adds.

All three experts agree, whether

you’re trying to help your bottom line
or the environment, the way to go is
green.

To learn more about The Art Institutes

schools, visit www.artinstitutes.edu/
nz.

Courtesy of ARAcontent

Page 13
Page 14
Tips To Stretch Your Back-To-School Dollars This Fall
Going back to school usually means new books, puses as in years past, so it’s more important than
supplies and computer software as well as meals, ever for college students to understand how to use
coffee and tuition - all of which can really add up. credit wisely and avoid racking up large credit card
bills. If you are a student, a few simple steps help
Maxine Sweet, vice president of public education you stretch your back-to-school dollars and get
at Experian, offers up money-saving tips to make on the path to healthy money management,” says
sure you can live within your budget this school Sweet.
year.
Don’t start the school year out with a balance.
“Credit cards are not as readily accessible on cam- Credit plays an important role in your daily life
and at life’s most sig-
nificant moments. Even
as a college student,
building and maintaining
good credit is essential.
Big purchases such as a
laptop or new books for
the semester can add
up and also affect your
credit history. Your cred-
it report is a record of
your past payment his-
tory. Credit scores are
determined based on
the information in your
credit report. So if you
purchase something you
can’t afford to pay back,
your payments might be
late or missed and that
could negatively affect
your credit score and
ultimately impact your
ability to access credit

Page 15
Page 16
again in the future. using coupons for groceries and other items you
need to buy. Many websites offer coupons and dis-
So before you spend, make sure you can afford the counts for hundreds of retailers and restaurants
purchase. Keeping your balances low compared across the country. You should also shop around
with credit limits shows that you aren’t tempted for the best deals on anything you will need to pur-
to charge more than you can pay. By charging a chase while at school. Carefully review your fa-
small amount on at least one card and paying the vorite stores’ weekly ads or consider using a free
balance on time, you will avoid paying unneces- online service such as PriceGrabber.com, which
sary interest and you can demonstrate that you allows you to compare prices on thousands of
know how to use credit responsibly - which should items including electronics, furniture, books, mov-
help you build a positive credit history and strong ies and even groceries to help you get the best
credit score. Responsible credit use while you are prices. You can even use your mobile phone to
young is the foundation of a strong credit history help you find the best deals. A recent survey re-
that will help you get your adult life off to a strong leased by PriceGrabber indicates that many con-
start when you set out on your own. sumers are using their mobile phones to locate the
best deals. Figures show that about 17 percent
Establish a budget - and stick to it. of back-to-school shoppers plan to use their mo-
Credit should not be used to live beyond your bile phones for comparison-shopping while in the
means. Creating a budget may not sound like fun, store.
but it is vital to staying out of debt. Sign up for
a free online budgeting tool and look at your ex- If you’re looking for mobile phone service or auto
penses to figure out where you may be able to cut insurance while at school, LowerMyBills.com lets
back on unnecessary spending and how you plan you compare prices and offerings, and select the
to pay for any large purchases you need to make. service providers that best fit your needs.
And don’t forget to record your monthly expenses.
If you do need to cut back, don’t be discouraged - As you prepare to head back to school this fall and
you may be amazed at how much the little things see the discounts retailers are offering, don’t be
add up. tempted to spend beyond your means. Make sure
you really need that new computer before pulling
Be informed before you buy. out the credit card. For more credit education, visit
To help stay within your monthly budget, consider www.Experian.com/backtoschool.

Page 17
Page 18
Page 19
Page 20
Page 21
 HURRY - OFFER ENDS SOON!
401 N. Scott Avenue
Wichita Falls TX 76306
Phone: 940.322.4121
Fax: 940.716.9333

*Finance offer subject to credit approval, applies to purchases of new Yamaha Motorcycles, ATVs & Scooters made on a Yamaha Installment Financing loan account from 7/1/10-9/30/10. Minimum
contract length is 24 months and maximum length is 36 months. Minimum amount financed is $5,000. Fixed APR of 3.99%, 5.99%, 8.99%, or 14.99% 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%, $30.42 at 5.99%, $31.80 at 8.99%, and $34.66 at 14.99%. **Customer Cash offer good on select
2010 (and prior year) models between 6/1/10-9/30/10. Offer good only in the U.S., excluding the state of Hawaii. Professional riders with advanced skills on closed course. Some models
shown with optional accessories. 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.
©2010 Yamaha Motor Corp. U.S.A. All rights reserved. yamaha-motor.com