BI-WEEKLY Volume 24, Number 35 - September 9, 2011

Page 2
Dean Sanders
Lawyer
2113 Kell Blvd
Wichita Falls, Texas 76308-1245
940-766-0266
in minutes!
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Page 5
What Women Need To Know About Preventing And Treating Breast Cancer
(ARA) - Compared to other forms of can-
cer, breast cancer gets a lot of attention.
But that attention is well-deserved, be-
cause the chances of a woman develop-
ing breast cancer are greater than nearly
any other form of cancer. In fact, one in
eight women will experience breast can-
cer during her lifetime, according to the
American Cancer Society.
The good news is advances are being
made every day to catch breast cancer
earlier and treat it effectively once its
caught. Being diagnosed with breast can-
cer is far from a death sentence - fve-year
survival rates are 93 percent for those who
catch it in its earliest stage. Due partially
to its prevalence and improved treatment,
approximately 2.5 million breast cancer
survivors are living in the United States
today.
In addition to the sheer number of peo-
ple affected by the disease, breast cancer
presents patients with many diffcult, and
often scary, decisions. People forget that
one of the unique aspects of breast can-
cer is the fact that most women do have
a choice, says Dr. Elisa Port, co-director
of the Dubin Breast Center of The Tisch
Cancer Institute at The Mount Sinai
Medical Center in New York. They have
a choice between lumpectomy and mas-
tectomy, and oftentimes those choices are
very equal - and thats just one example.
Finding the information necessary to
make these decisions and the support to
get through cancer treatment procedures
and beyond can be diffcult. Dr. Eva An-
dersson-Dubin, a breast cancer survivor,
doctor and former Miss Sweden, helped
fund and develop the recently opened
Dubin Breast Center, along with co-di-
rectors Dr. Port and Dr. George Raptis,
in hopes of providing a facility where pa-
tients could fnd these services and infor-
mation under one roof. If youre dealing
with breast cancer, or are a survivor, Du-
bin recommends looking for the follow-
ing type of care:
* Finding a care center where all services
are located under one roof can greatly
ease much of the stress that comes along
with your fght against cancer. Choosing
a facility that allows you to have one elec-
tronic medical record, while also offering
screening, treatment and counseling ser-
vices, can streamline your experience and
allow you to devote all of your attention
to getting better. Through her own expe-
riences and from talking to other women
who have dealt with breast cancer, Dubin
found that lugging scans and paperwork
from appointment to appointment is one
of the largest sources of frustration for pa-
tients.
* Beating cancer means more than just
winning the physical battle. Much of the
fght against cancer and the life changes it
brings is psychological. Look for a treat-
ment facility that cares for the whole pa-
tient by offering services like oncofertility
(reproductive health for cancer patients),
nutrition and psychological counseling,
and possibly even massage therapy. A
treatment center that involves the whole
family in your treatment and offers coun-
seling services to them as well as you can
play a huge role in helping you beat the
disease.
* Ask if your care center has radiologists
who specialize in mammography, breast
ultrasound, breast MRI and breast biopsy.
You might also ask if the center has digital
mammography and any new technology
such as 3D mammography - an advanced
version of a conventional mammogram.
3D mammography, called tomosynthe-
sis, helps radiologists see through layers
of breast tissue facilitating the early diag-
nosis of breast cancer and reducing call-
backs for additional screening, which can
cause stress and anxiety.
* Look for a care center that offers care
options well after your treatment has fn-
ished. Because a brush with cancer is a
life-altering experience, having someone
there to provide counseling services or
answer questions as you go forward is an
invaluable resource.
Experts in the feld of breast cancer treat-
ment agree that a comprehensive, lifelong
approach to treatment is best. Those with
breast cancer beneft enormously from a
comprehensive approach to their care that
also focuses on their needs as individu-
als, says Nancy G. Brinker, founder and
CEO of Susan G. Komen for the Cure.
Our goal for the Dubin Breast Center is
to provide patients with seamless care,
says Dubin. From breast cancer screen-
ing to diagnosis to treatment and survi-
vorship, patients will receive personal-
ized, comprehensive care in a welcoming,
private and reassuring setting. The cen-
ter provides all-in-one facility that offers
a soothing atmosphere for breast cancer
patients and survivors.
Since early detection is key when battling
breast cancer, The Mount Sinai Medical
Center urges anyone experiencing the
following symptoms of breast cancer to
visit a physician:
* A lump or thickening near the breast, in
your underarm area or in your neck
* A change in the size or shape of a breast
* Nipple discharge or tenderness, or the
nipple becoming pulled back or inverted
into the breast
* The skin of your breast becoming ridged
or pitted, similar to the skin of an orange
* Any change in the way your breast
looks or feels
For more information on breast cancer
and treatment visit www.dubinbreastcen-
ter.org.
Page 6
Page 7
Tips To Kick-Start Your Career
(ARA) - Facing a struggling economy and record levels of
unemployment, millions of young people will head back to
thousands of U.S. colleges and universities this fall, anx-
ious about their job prospects over the next few years.
Kick-starting a new career in this challenging economy
wont be easy as graduates from the classes of 2011, 2010
and 2009 have learned the hard way. But, with a little de-
termination and preparation, college students can increase
their odds of landing a job right out of school and laying a
foundation for future success.
One of the most important areas of concern for college stu-
dents who plan on entering the workforce soon is the Inter-
net. While it can be extremely helpful in fnding internships
and jobs, it can also cripple your career prospects, accord-
ing to FindLaw.com, a leading online destination for le-
gal information. College students must pay extra attention
to their use of the Internet. Embarrassing or inappropriate
photos, messages, opinions and documents can live on the
Internet for years, and can negatively impact a young per-
sons search for gainful employment.
Here are some additional tips from FindLaw.com on what
college students should do now to prepare to land the job of
their dreams right out of school:
Dont embellish your resume. Compiling a resume is the
frst step to fnding a job - or even an internship while
youre attending college. Go to the job placement center
at your college or university to get tips on how to write
an effective resume. But take heed: Exaggerating accom-
plishments on your resume will more often end up hurting
you than helping you. Companies have become more so-
phisticated in conducting background and reference checks
through job application forms and resumes. Instead, focus
on using keywords and fgures to highlight your strengths
and to demonstrate increasing levels of responsibility.
Watch what you post online. Savvy employers use the In-
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ternet, including social networking sites such as LinkedIn,
Facebook, MySpace, Bebo and Twitter, to not only scout
new talent, but to determine if youll be a good ft for their
organization. When posting online, avoid foul language,
inappropriate pictures, lewd jokes, and references to drug
abuse and excessive alcohol consumption. Avoid posting
offensive statuses, and limit the number of posts on Face-
book and other online forums. Too many postings on Face-
book or Twitter says youre spending too much time on
social networking sites rather than on your studies.
Build a work history. Most employers want to see job can-
didates who are building a track record of successful em-
ployment - taking on roles that increase in responsibility
from one job to the next. Employers want to see results and
accomplishments, especially as it relates to your feld of in-
terest. To get the experience needed to land the job of your
dreams, college students and those just out of college may
need to take jobs or internships that may not pay as much
as they would like. You should also consider volunteering
with non-proft organizations in order to gain critical skills.
If youre entering your junior year in college, it is not too
soon to be seeking internships in the profession or industry
that youre interested in working in.
Good references. If you left your previous job in good
standing, your old boss is more likely to give you a good
reference. The better the reference, the more likely youll
get that job youre applying for. Former coworkers can of-
ten make for good references as well. Its important to stay
in touch with previous employers and co-workers who can
serve as references for future employment. In addition to
on-the-job references, professors and coaches at your col-
lege can serve as references.
Build your networks. It is not too soon to begin building a
professional network of contacts while you are in college.
Create a LinkedIn page to begin promoting your experi-
ence, accomplishments and skills, as well as to maintain
your contacts with professors, mentors and fellow students.
Maintain a blog to showcase your career and volunteer ac-
complishments. Join professional associations to network
with others in your chosen feld.
Establish mentor relationships. Identify two to three work-
ing professionals in your profession from whom you can
obtain career advice and wisdom. Invite them for coffee to
learn about what you can do to enhance your career direc-
tion.
Study the job market. While youre in school, not after you
graduate, is the time to study the job market and fnd out
what industries are hiring and how much you can expect
to be paid upon graduating from college. For example, a
2009 Labor Department study of college graduates under
25 showed that those who majored in engineering were
more likely to fnd jobs just out of college than those who
majored in the humanities. You may be passionate for what
youre studying, but its just as important to be realistic
about your job prospects.
Assess your student debt. According to the John J. Heldrich
Center for Workforce Development, the average 2010 four-
year college graduate earned a median starting salary of
$27,000. As a student, you should analyze the amount of
student debt you are taking on to achieve your degree in
light of the amount of money youll make in your chosen
feld. Graduating with a mountain of student debt can make
it more diffcult to establish a good credit history and take
the risks that are necessary in building a solid career.
Page 11
The Importance Of Teaching Kids About Finances
(ARA) - Its never too soon to start teaching your children
about fnancial literacy. With changes in the global econo-
my and an ever-evolving workforce, todays children need
to be prepared to meet the fnancial challenges they will
face in the future.

Today, children are seeing their family and friends struggle
with fnances and credit card debt due to a poor economy,
says Dr. Julie Ducharme, chair of the College of Business
at Argosy University, San Diego.
As parents, it is our responsibility to teach our children
about the world. It is important we teach them about fnanc-
es as well, she says. Curriculum in schools starts as early
as second grade in teaching children the basics of money
and the credit/debit system, but parents play the greatest
role in teaching children about fnances. Children need to
understand what money is, how it works and that it is a
limited resource.
Whether it is helping compare prices and brands at the
grocery store or conserving electricity to lower the energy
bill and help the family budget, everyday life is full of im-
portant ways to teach your kids the basics of money, says
Dr. Roberto Castaneda, an adjunct professor in the College
of Business at Argosy University, Chicago.
A savings or checking account in your childs name is a
great way to introduce them to the idea of savings, says
Castaneda. Giving your child a set of chores around the
house and compensating them for those chores builds re-
sponsibility and self-confdence in your children, as well
as helping them learn the value of earning money. Once
they have earned money, have them deposit a portion of
that amount into a savings account, which shows them the
importance of preserving and growing it.
This is an excellent way to set goals to help your chil-
dren become fnancially literate, says Ducharme. It is
important to discuss with your children the ways that they
can save money, not just spend it. While its important for
children to have money to make their own purchases and
buying decisions, parents should set up a regiment to divide
the money that they receive into savings and spending to
stress the importance of each.
According to the Federal Reserve Bank, Americans hold
nearly 610 million credit cards and the average credit card
debt per household in the United States in $14,743. When
it comes to credit cards as a fnancial tool, parents need to
be cautious.
Require your child to talk with you before signing any
fnancial contracts - particularly for credit cards, advises
USAA, a leading provider of banking, insurance and invest-
ment services to the military community. A recent study
by Sallie Mae, the countrys largest student loan provider,
reveals that the average college student carries $3,173 in
credit-card debt. And nearly one-third of students now put
their tuition on plastic, according to the group.
Avoid credit cards wherever possible and speak with your
children to help them understand how they work and how
interest charges can add up, says Castaneda.
The idea of debt and paying interest is especially impor-
tant for children to learn, says Ducharme, who encourages
parents to loan their children money to help them under-
stand how debt and interest work. The cost of having your
new video game taken away because you didnt repay the
loan your mom gave you to buy it is a far less expensive
lesson to learn than having your car repossessed at 26.
The best way parents can teach their children about fnanc-
es, according to Ducharme and Castaneda, is to teach by
example. If you want your children to be fnancially re-
sponsible, you need to demonstrate that responsibility to
them through your own fnances, says Ducharme. Since
our children are our future leaders, teaching fnancial re-
sponsibility is of the utmost importance to our future soci-
ety.
Page 12
Insider Tips To Bolster Your Small Business Now
(ARA) - Tis the season to be produc-
tive. Summers over, the kids are back
in school, and before you know it, the
holiday shopping season will be upon
us.
So, theres no time like now to take a
closer look at your small business. Are
you maximizing effciencies, or spend-
ing too much time on the small things?
Are you doing the right things to grow
your business? Are you putting off
asking yourself the hard questions that
may turn around sluggish sales?
There are more than 27 million small
businesses in the country, employing
about half of U.S. workers, according
to the U.S. Small Business Adminis-
tration. In fact, between 60 and 80
percent of all new jobs created in our
country can be attributed to small busi-
nesses. For small businesses to thrive
in todays economy, they have to fnd
ways to boost effciency with limited
funding and resources.
Rags-to-riches entrepreneur Barbara
Corcoran has built a thriving business
from scratch and become a leading ex-
pert and author on strategies for busi-
ness proftability and growth.
Small business owners wear many
hats - from CEO to offce manager -
and they cant afford to get bogged
down in the time-draining details,
says Corcoran. Now is the ideal time
for small business owners to stream-
line their operations and start thinking
about how they can best move their
business forward.
Here is some of Corcorans best ad-
vice for anyone looking to take a small
Page 13
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Just when you have the budget worked out so you can
barely squeak by every month, something unexpected
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business to the next level:
* Make a not-to-do list: It can actually
be tremendously helpful to sit down
and make a long list of all the things
you do that amount to nothing. Then,
carefully write the not-to-do list on a
piece of paper and post it on your re-
frigerator or desk where youre bound
to see it. It will force you to fll in your
time with more productive activities
that might yield a better return.
* Make a system for everything. A
system can be developed for any-
thing - you just have to take the time
to set it up once, and it will save you
enormous time and boring repetition.
For example, small businesses need a
simple order fulfllment system. Elec-
tronic postage solutions like those
from DYMO Endicia integrate with
your online e-commerce platform and
provide one location to store all your
customer information, keeping you or-
ganized and making shipment process-
ing and mailing fast and simple.
* Stay away from complainers:
Whether youre at home or at work,
complainers rob you of your energy.
Theyre a lot like the Death Eaters rob-
bing the life from Harry Potter and his
good friends. Always distance your-
self from the person who whines. Your
outlook on life will improve and your
energy will soar.
* Get creative: The big guy always has
the corner on money but the little guy
usually has the corner on creativity.
Take some time to sit down and ana-
lyze how your rivals are advertising
their brand and plan something smart-
er. One way you can do this is through
(free) social media. If you take the
time to creatively post and write with
honesty and a touch of humor, you will
soon build a large following of fans
willing to try out your product and
brag to their friends.
Page 15
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We Bought Alot So You Can Save Alot
by Breegle
Serving The Area Since 1947
Truckload sale!
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Visit our website at www.northtexasjournal.net
Page 18
*Customer Cash offer good on select 2010 (and prior year) models between 12/29/10-6/30/11. **Finance offer subject to credit approval, applies to purchases of new Yamaha Motorcycles,
ATVs & Scooters made on a Yamaha Installment Financing loan account from 12/29/10-6/30/11. Minimum contract length is 24 months and maximum length is 36 months. Minimum
amount fnanced is $5,000. Fixed APR of 3.99%or 12.99%will be assigned based on credit approval criteria. Monthly payments per $1,000 fnanced based on 36 month termare $29.52 at
3.99%and $33.69 at 12.99%. Offer good only in the U.S., excluding the state of Hawaii. Dress properly for your ride with a helmet, eye protection, gloves and boots. Do not drink and ride.
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call 1-800-446-9227. ATVs with engine sizes over 90cc are recommended for use only by riders age 16 years and older. Yamaha recommends that all ATV riders take an approved training
course. For safety and training information, see your dealer or call the ATV Safety Institute at 1-800-887- 2887. ATVs can be hazardous to operate. For your safety: Always avoid paved surfaces.
Never ride on public roads. Always wear a helmet, eye protection and protective clothing; never carry passengers; never engage in stunt riding; riding and alcohol/drugs dont mix; avoid
excessive speed; and be particularly careful on diffcult terrain. Professional riders depicted on closed courses. 2011 Yamaha Motor Corp. U.S.A. All rights reserved. yamaha-motor.com
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Page 19
in minutes!
CA$H LOANS
? ?
1
2
6
9
0
4
3910 Jacksboro Hwy. MON-FRI 8:30-6 SAT 9-5
www.cashnmorepawn.com
Call for FREE
LOAN QUOTE! 767-5626
Its as easy as 1, 2, 3!
Bring in your merchandise in good working order.
Show proper state issued ID.
Get the cash you need.
CASH N MORE Pawn & Jewelry
LOAN? LOAN?
HOW DO I HOW DO I
GET A GET A
1
If you need more time,just pay
the interest to renew the loan.
We accept jewelry, tools, guns,
car stereos, musical instruments
and much more!
2
3
CHECKS LAYAWAY
Visit our website at www.northtexasjournal.net
Page 20
Page 21
Page 22
in minutes!
CA$H LOANS
? ?
1
2
6
9
0
4
3910 Jacksboro Hwy. MON-FRI 8:30-6 SAT 9-5
www.cashnmorepawn.com
Call for FREE
LOAN QUOTE! 767-5626
Its as easy as 1, 2, 3!
Bring in your merchandise in good working order.
Show proper state issued ID.
Get the cash you need.
CASH N MORE Pawn & Jewelry
LOAN? LOAN?
HOW DO I HOW DO I
GET A GET A
1
If you need more time,just pay
the interest to renew the loan.
We accept jewelry, tools, guns,
car stereos, musical instruments
and much more!
2
3
CHECKS LAYAWAY
Page 23
Experience counts. And, when
it comes to making a business
decision that impacts your
companys performance, you
want an experienced banker by
your side. Matching the right
fnancial product with your most
immediate business need in the
timeliest manner possible is what
Fidelity bankers do best. Put
our experience to work for you!
Contact a Fidelity Banker today.
Tommy McCulloch
President & CEO
Danny Cremeens
Sr. Vice President
Wichita Falls-Kell
2525 Kell Blvd, Ste 100
940.763.2100
Wichita Falls-Downtown
909 8th Street, Ste 101
940.322.5600
Burkburnett
301 South Ave D
940.569.9000
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3
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