he North Texas Journal v23n47

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WEEKLY Volume 23, Number 47 - Nov. 26, 2

DO YOU HAVE TO

BE ONLINE IN A

JOB SEARCH?

PAGE 15


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DO YOU HAVE TO

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JOB SEARCH?

PAGE 15


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Weathering The Winter Season: Educational Indoor Fu

(ARA) - Shorter days and colder weather not only herald

the approach of the holidays, but the months when kids

spend more time indoors, whether at school or home. While

the rush of shopping, cooking and entertaining visitors may

seem like a never-ending to-do list, the winter months can

also be a magically calming and rewarding time to encour-

age your childs curiosity and interest in learning.

With many families cocooning this holiday and avoiding

holiday travel, parents

and children may be

n search of some fun,

engaging and age-

appropriate activi-

ties over the winter

months and beyond.

Seasonal hands-oncamps

For parents, seasonal

day camps offer great

solutions to help them

organize their chil-

drens holiday time

off while providing

their children with en-

gaging and hands-on

educational activities

and themes. Kids can have a blast and busy parents get

the gift of knowing that their children are continuing to

earn and discover during the holiday break. KinderCare

Learning Centers, for example, offer a winter science camp

for both preschool and school-age children during the last

two weeks of December. Among many activities, younger

campers will get to be science detectives, solving a se-

ries of science mysteries by using touch, smell and hearing.

Meanwhile, school-aged kids will be busy experimenting

with colored dyes, creating everything from paper to volca-

nic eruptions, building balloon rockets, and more.

Look for seasonal camps that will work with your schedule

and build on your childs natural curiosity and expose them

to new activities, new friends, memories and a passion for

discovering the world around them from their point-of-

view.

Dont forget to play

The colder weather outdoors offers a good excuse for good

old-fashioned indoor play time. Play is the natural w

of children and essential to learning. Through play, c

dren develop social skills, the ability to solve problems

the courage to express their ideas. The following are s

quick tips for educational and fun family playtime:

* For infants, playing peek-a-boo will help baby recogyour voice.

* To help infants

toddlers develop

motor skills, pro

a variety of soft, e

to-grasp toys, suc

soft blocks or p

toys.

* Blow bubbles wyour child and w

them have a blas

they chase and c

the bubbles -

reinforce motor s

and hand-eye coo

nation.

* Toddlers and

school children

tactile activities like digging in sand and dirt. Make a s

ple sandbox out of a large shallow bin. Vary the items

put in the bin for your child to explore. Some suggesti

sand, rice, packing peanuts, cornstarch (great to play w

and easy to clean up when it dries) dirt or dried macaro

* For preschool age children, play listening games suc

Simon Says or Red Light, Green Light.

* Involve your preschooler in everyday math - How m

steps to the garage? How many dollars to buy that toy?

* Play board games as a family - rolling dice, coun

spaces and problem solving are all involved in this typ

activity.

* Use stuffed or plastic animals and cardboard boxe

help your child create a zoo, a farm or a wildlife reser

dramatic play builds vocabulary, social skills and crea

thinking.


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Winter reading: start early for a lifelong love of books

Nothing is better than snuggling up to a great book with

your child. Reading to a child, as early as infancy, on a

regular basis is by far the best way to encourage a budding

reader. In fact, studies show that reading to an infant pro-

motes early language acquisition and literacy development

and, later on, achievement in reading comprehension and

overall success in school. The winter months are a perfect

time to begin a reading routine with your child that canump-start a yearlong love of reading.

As one of the nations leaders in early childhood education,

KinderCare educators know that one of the most effective

ways to increase a childs language comprehension and

vocabulary is by actively teaching and encouraging early

reading. KinderCare educators offer parents a comprehen-

sive reading guide that incorporates tips on reading to in-

fants, toddlers and preschoolers as well as recommended

age-appropriate book titles. Some tips include:

* Help cultivate babys interest in books by choosing ones

that capture his or her attention such as board books and

pop-up books. Your child will want to see these again and

again.

* While reading together, ask questions about the pictu

Children are delighted in nding objects on the pag

theyre saying da and pointing at the dog, say, Y

thats the dog. If the child says ball, follow up w

Thats a blue ball. Youll be giving your child additi

language for his or her verbal bank.

* Ask your child open-ended questions about the story

are reading, such as Why do you think that happened

Reading with your child will be some of the most enj

able and rewarding times you spend together, says Me

Riede, Senior Director of Education Programs at Kin

Care Learning Centers. Thats why we encourage fam

to make reading time a fun and engaging activity. Re

create an experience for your child that allows him or

to imagine, explore, have fun and learn about the w

around them in a language-rich environment.

No matter the activity your children engage in this wi

season, its important to remember to introduce them to

tivities that are age-appropriate and that allow them to h

fun before they return to school/childcare in the new y


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Whats A Great Way To Save For Your Childs Education

ARA) - Figuring out how to pay for college may be more

daunting than completing the course work it takes to gradu-

ate. If youre a parent or grandparent, youve likely consid-

ered the question of how to pay for your familys education,

and its possible that answers have not been easy to nd.

Almost everyone wants to contribute nancially to theirchildrens or grandchildrens education, according to The

Hartfords fth annual college savings survey. However,

only 64 percent of respondents are aware of tax-efcient

ways to save. With many college saving options available,

determining which ones are best for you and your family

can be confusing.

529 plans are a great option for tax-advantaged savings.

A 529 plan allows

you to make invest-

ments with earn-ngs that are tax-

exempt when they

are applied toward

eligible higher edu-

cation expenses.

f you are in the

process of develop-

ng a college sav-

ngs plan for your

children or grand-

children, its always

a good idea to talk

o your nancial

advisor. If youre

confused about col-

ege savings op-

ions, particularly about 529 plans, you are not alone. The

Hartford survey found that 43 percent of parents and grand-

parents dont fully understand this investment tool. Before

you talk to your advisor, here are the answers to some fre-quently asked questions about 529 plans.

How much can you contribute to a 529?

Many states allow the account owner to take a state income

ax deduction for contributions made to their plan each

year. The amount of the deduction varies by state, and if

you roll the funds to another 529 plan not sponsored by that

tate, your deduction may be subject to recapture.

Under federal gift tax rules, you can contribute up

$13,000 per year for each beneciary of a 529 acco

without gift tax consequences. You can also make a

exempt contribution of $65,000, or $130,000 for mar

couples, per beneciary, once every ve years. If you t

the gift as being made over ve years, and die beforeend of the ve year period, the portion of the gift allo

able to the period after your death will be included in y

estate. Any additional gifts given by you to the same

ignated Beneciary in the ve year period will be sub

to federal gift tax. You should consult with your tax adv

for more information.

How can 529 funds be used?

In addition to

ition expenbeneciaries o

529 plan can

the proceeds

pay for fees, r

and board, bo

and any equipm

required for cl

es at an educat

al institution.

funds can be u

at most two-

four-year acc

ited post-seco

ary institution

the United Sta

including t

and vocati

schools. You may also be eligible to use the funds at a

eign institution.

What happens if I dont use the funds for educationpenses?

The earnings would be treated as ordinary taxable inc

and could be subject to a 10 percent federal income

penalty. Such withdrawals may also have state income

implications. Certain exceptions are allowed. For exam

if your child earned a scholarship and didnt need the fu

to pay for college, withdrawals in the amount of the sc

arship would likely come without penalty.


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2010 TXU Energy Retail Company LLC. All rights reserved. REP #10004

We know about those times when theres too much month let at the end o the

money. Thats why we have a program called TXU Energy Aid.SM

Nobody should

have to sufer dangerous heat or cold, made worse by ear o an electricity bill they

cant aford. Were proud to provide temporary bill payment assistance to thousands

o customers in critical situations each year, right in your community. Since 1983,

TXU Energy AidSM

has provided more than $61 million in bill payment assistance,

helping 365,000 amilies in need.

Learn more at txu.com.

But there are times when she needs a little help withher electricity bill.

She would tell youindependence is priceless.

TXU Energy is proud to partner with

T .

Who can open an account?

Any adult who is a U.S. citizen or resident can open an

ccount. There are no income restrictions. Some accounts

have restrictions on the account owners state of residency.

The Hartford manages The Hartford SMART529 plan thats

vailable nationwide, as well as CHET Advisor which is

vailable to Connecticut residents. Both plans may be pur-

hased through a nancial advisor.

Who has control of the account?

The account owner has complete control over how contri-

butions are invested and when withdrawals are made.

Who can contribute?

Most plans allow anyone, including friends and relat

to contribute. A 529 contribution is a great way to give

gift of education to a friend or relative who is planning

attending college.

For more information on 529 college savings plans, con

a nancial advisor or visit www.hartfordinvestor.com.

# # #

You should carefully consider the investment objecti

risks, charges and expenses of SMART529 and CHET


12/24Page 12

New Hope Church

300 Wichita Steet, Wichita Falls, Texas 76307

Please Join Us For Sunday Services


13/24Page 13

CHRISTMASHOURS:

Close at 5pmChristmas Eve;

Closed 25th & 26th

10% DownFor All

ChristmasLayaways

*Finance oer subject to credit approval, applies to purchases o new Yamaha Motorcycles, ATVs & Scooters made o n a Yamaha Installment Financing loan account rom 7/1/10-9/30/10. Mcontract length is 24 months and maximum length is 36 months. Minimum amount fnanced is $5,000. Fixed APR o 3.99%, 5.99%, 8.99%, or 14.99% will be assigned based on credit apcriteria. Monthly payments per $1,000 fnanced 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 oer good on 2010 (and prior year) models between 6/1/10-9/30/10. Offer good only in the U.S., excluding the state of Hawaii. Proessional riders with advanced skills on closed course. Some mshown with optional accessories. Dress properly or your ride with a helmet, eye protection, gloves and boots. Do not drink and ride. It is illegal and dangerous. Yamaha and the MotorcSaety Foundation encourage you to ride saely and respect the environment. For urther inormation regarding the MSF course, please call 1-800-446-9227. ATVs with engine sizes over are recommended or use only by riders age 16 years and older. Yamaha recommends that all ATV riders take an approved training course. For saety and training inormation, see your or call the ATV Saety Institute at 1-800-887-2887. ATVs can be hazardous to operate. For your saety: Always avoid paved suraces. Never ride on public roads. Always wear a helmeprotection and protective clothing; never carry passengers; never engage in stunt riding; riding and a lcohol/drugs dont mix; avoid excessive speed; and be particularly careul on difcult

2010 Yamaha Motor Corp. U.S.A. All rights reserved. yamaha-motor.com

HURRY - OFFER ENDS SOON

401 N. Scott AvenueWichita Falls TX 76306

Phone: 940.322.4121

Fax: 940.716.9333

visor and their Underlying Funds before investing. This and

other information can be found in the Offering Statement

or SMART529 and the Disclosure Booklet for CHET Ad-

visor and the prospectuses or other disclosure documents

or the Underlying Funds, which can be obtained on www.

HartfordInvestor.com or by calling 866-574-3542. Please

ead them carefully before you invest or send money.

SMART529 and CHET Advisor are distributed by Hartford

Securities Distribution Company, Inc. Member SIPC.

West Virginia and Connecticut provide their residents with

ax advantages for investing in SMART529 and CHET Ad-

visor. If you reside in or have taxable income in a state

other than West Virginia or Connecticut, you should con-

ider whether your state has a qualied tuition program that

offers favorable state income tax or other benets exclu-

ive to your states program that are not available under the

SMART529 and CHET Advisor plans.

nvestments in SMART529 and CHET Advisor are not

guaranteed or insured by the State of West Virginia, the

State of Connecticut, the Board of Trustees of the West

Virginia College Prepaid Tuition and Savings Program,

he Connecticut Higher Education Trust, the West Virginia

State Treasurers Ofce, the Connecticut State Treasurers

Ofce, Hartford Life Insurance Company, The Hartford Fi-

nancial Services Group, Inc., the investment sub-advisors

or the Underlying Funds or any depository institution and

re subject to investment risks, including the loss of the

principal amount invested, and may not be appropriate for

ll investors.

This information is written in connection with the promo-

ion or marketing of the matter(s) addressed in this mate-

rial. The information cannot be used or relied upon for

purpose of avoiding IRS penalties. These materials are

intended to provide tax, accounting or legal advice. As

all matters of a tax or legal nature, you should consult y

own tax or legal counsel for advice.

SMART529 is offered by the West Virginia College

paid Tuition and Savings Program Board of Trustees an

administered by Hartford Life Insurance Company.

CHET Advisor is administered by the Treasurer of the S

of Connecticut as the trustee of the Connecticut Higher

ucation Trust Program, and Hartford Life serves as P

Manager.

The Hartford is The Hartford Financial Services Gr

Inc. and its subsidiaries.

The Hartford is a registered trademark of Hartford

Insurance Company.

SMART529 is a registered trademark of the West

ginia College Prepaid Tuition and Savings Program Bo

of Trustees.


14/24Page 14

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15/24Page 15

Do You Have To Be Online In A Job SearchARA) - In light of current economic conditions and the

ncreased number of people looking for a job, employers

re being forced to re-evaluate and adapt their traditional

hiring process. Today, job-seekers are not only facing the

hallenge of nding a job for which they are qualied, but

lso trying to nd a way to stand out among the hundreds,

ven thousands, of other qualied applicants.

At the end of the day its often the skilled candidate, who

lso demonstrates a legitimate enthusiasm for the position,

who wins out. Until recent years, the only signicant chance

or a job-seeker to communicate this enthusiasm was in the

usually brief face-to-face interview. The on-

ine world has changed this.

Through blogs, twitter, Facebook, LinkedIn

nd a plethora of others, job seekers can be

n a constant state of communicating enthusi-sm for their eld, and employers are taking

ull advantage.

Recently we were reviewing applicants for a

position in my department, says Mike Pac-

hione, a career advisor at The Art Institute of

Portland. After weeding the applicants down

o three, we were undecided between two of

hem and thought wed Google them to help

make our decision. We tried to read up on therst candidate. All we could nd was an in-

omplete LinkedIn prole. There was nothing

lse. Then we turned to the second candidate.

Her LinkedIn prole had people raving about

her. Person after person described her as being unselsh,

dedicated and enthusiastic. A former colleague called her

n amazing co-worker and person. In short, she sounded

xactly like the type of person we wanted to hire. So we

did.

This is not to say that job-seekers are hopeless without ro-bust search results for their names. By no means are you

equired to have a LinkedIn or Twitter prole, and you cer-

ainly dont need a professionally produced YouTube video

ttributed to your name.

While these things might not harm a job-seekers chances

or an interview, what may hurt is the signicant impact

hat unmonitored tweets, posts and uploads can have on

heir professional goals.

It is becoming standard for companies to investigate

tential employees online proles before making a

decision. A survey conducted by Microsoft in Decem

2009 reports that 70 percent of recruiters have reject

candidate based on online reputational information. Sw

ing, posting party photos, talking poorly about work - a

these things give recruiters an excuse to weed you outhe job search.

With the popularity and global acceptance of social

dia, the ne line between professional and personal life

been demolished. It is pivotal for job seekers to eval

the message they are communicating online.

Obviously most companies understand conceptually

plenty of employees have faked being sick, have drank

much and so on, says Pacchione. Posting photos and

tus updates online communicates a certain poor judgm

that employers generally try to avoid.

All in all, when in the job search, candidates would be w

to listen to what Seth Godin, social media guru and au

of The Purple Cow likes to say: Google never forge

That can be a good or bad thing. To learn more about

Art Institutes schools, visit www.artinstitutes.edu/nz.


16/24


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L

Republican Lanham Lynefor State Representative.

Lifelong Conservative Republican.Respected Businessman.

Experienced Leadership.

THANK YOU FOR YOUR VOTES


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he North Texas Journal v23n47