The North Texas Journal v23n39

8/8/2019 The North Texas Journal v23n39

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WEEKLY Volume 23, Number 39 - Oct. 1, 20


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Dean SandersLawyer

2113 Kell Blvd

Wichita Falls, Texas 76308-1245

940-766-0266

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Save Energy And Keep The Air Insid

Your House Cleaner This WinterARA) - When the temperatures plummet, you shut the

windows, ip the air switch to heat and plug any leakyou can nd in an effort to keep your house warm. Butwhat youre also doing is sealing the air inside yourhouse.

While a good tightseal is very impor-

ant to staying warmand keeping yourenergy bill in check,t also can reallyhave an impact onndoor air quality.

When you ip thatswitch on your heat-er, there is a lot ofdust and debris -collected in the coilsover the summer

months - that either

burns into fumes or gushes into the house throughyour vents, says Aaron Marshbanks, board memberof the National Air Duct Cleaners Association (NAD-

CA).

In addition, your heating system blends warm tperatures with air that can be moist, and which cana haven for mold and mildew. Throw a fan on tothat, and the air quality inside your home can qui

plummet.

Heating, ventilaand air conditing (HVAC) systehave been showact as a collecsource for a varof contaminants have the potentia

affect health, sas mold, fungi, bteria and very sm

particles of dust.cording to the UEnvironmental P

tection Agency, door air can be

to ve times more polluted than outdoor air. Themoval of such contaminants from your HVAC sysis crucial to improve indoor air quality. Plus, a cl

system can save you money on your energy bill.


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Further research from the EPA found that HVAC sys-em cleaning may allow systems to run more ef-

ciently by removing debris from sensitive mechanicalcomponents. Clean, efcient systems are less likelyo break down, have a longer life span, and generally

operate more effectively than dirty systems.

Heating and cooling uses up about half of the en-

ergy in your home, says Marshbanks. But having aclean HVAC sys-em can save you

up to 30 percentn energy costs.Which means youhave better air in-side the house,

and are helpinghe environment

with an extra bit ofcash in your pock-et at the same

ime.

The top issueshat affect a

homes HVACsystem, its ef-ciency and airquality are:

1. Filtration - Low-efciency lters, lack of a lter replacement programand improperly sized lters can allow particles anddebris to ow into a home or building.

2. Duct work contamination - It is estimated that about90 percent of HVAC systems more than 10 years old

will have some level of insulation deterioration. Otime, the insulation bers are distributed and blointo occupied spaces every time the blower turns

3. Dirty evaporator coil - Over time, evaporator cbecome matted with dust and dirt. During cold monthe heated air can ow over the dirty coils and be tributed into your homes interior space.

The best way to determine if your HVAC systemclean is to form a visualspection. If dust or debris be seen, the stem needs toserviced. Soof the things may lead a ho

owner to coner more frequcleaning includ

* Smokers in household.* Pets that s

high amountshair and dande* Water contanation or dam

to the homeHVAC system.

* Residents with allergies or asthma.* Home renovations or remodeling.

The most effective way to clean air ducts and vention systems is to employ source removal methodcleaning. This requires a contractor to place the s

tem under negative pressure through the of a specialized, powerful vacuum.

NADCA has published an internationally ognized standard that species requiremefor proper cleaning. NADCA is a widely ognized nonprot trade organization resenting certied contractors worldwide sets standards and provides certication training for the industry. For more infortion about HVAC cleaning and to nd a ced and knowledgeable contractor, visit wNADCA.com.


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How To Give And Know Youre Doing Some Goo

ARA) - Making a charitable donation during the holi-days isnt just an act of kindness, often its also anact of faith. As you mail your donation check or dropsome bills and loose change into that collection buck-et outside the grocery store, its only natural to wonderust where the money is going, who its helping, and if

ts really helping anyone at all.

Wouldnt it feel goodhis holiday season to

know your contributionsare really making a dif-erence? Knowing who

your donation benetscan help make the actof giving even more en-iching for you and the

ecipient of your gener-osity. Fortunately, thereare ways to do goodhat you can also feel

good about, knowinghe real effects of your

efforts. Here are twodeas for holiday givinghat you can know will

make a difference:

Donate your time

Everyone is busy during the holidays, but if you want

to be condent your charitable giving is really ming a difference, donating your time to a worthy cais a good option. Not only will you enjoy the spirinourishment of actively helping others, youll be ato see the actual results of your contribution. Thetions are virtually endless and you can nd a wa

give that ts your schedule and personal preferenc

Are you handy aro

the house? Contribyour time to an onization that buor repairs homesthose in need. Phaps youre a gcook or a deft servVolunteer to prep

or serve meals at ylocal soup kitchDo you get along with kids? Conchurches or homeshelters in your a

and volunteer for tchild care program

No matter how you choose to do it, donating your t

costs you nothing more than a few hours, but canliver the reward of seeing rsthand just who your ctribution is helping.

Finance a micro loan

Money is often what people in need require most.if you believe the old adage Give a man a sh and feed him for a day. Teach a man to sh and you fhim for a lifetime you may feel hesitant to just hover cash without knowing your donation will help

recipient build a better future for themselves. Funda micronance loan for a small business owner developing country is a great way to ensure your nation not only helps someone immediately, but hecreate a better future as well.

Organizations like World Vision provide micro lo- ranging from $25 to $5,000 - to small businesseMexico, the Philippines, Kenya and Rwanda. Throthe organizations website, www.worldvisionmi


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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 you

independence is priceless.

TXU Energy is proud to partner with

org, you can fund a loan - entirely or partially. Whatsmore, you can select the entrepreneur you would liketo help and designate exactly how much to loan thatperson. The website provides details on businessowners, why each needs a loan, and how they willuse the loan. After youve made a loan, youll get re-ports on how your chosen entrepreneur has spent themoney, how his or her business is faring and how theentrepreneur is re-investing prots.

Your loan is recorded as a tax-deductible monetarydonation. When borrowers repay their loans, theirfunds go back into World Visions local communitybank and the money is loaned out again to help other

entrepreneurs in the same community. The repment rate for World Vision loans is nearly 99 percMicronance loans foster small-scale entrepreneship and foster long-term solutions to povertyhelping individuals and communities transition fpoverty to independence. Log on to www.worldvismicro.org to learn more.

When you make a charitable donation during the h

days - or any time of year - your heart is in the rplace. Youll feel even better about your contributioyou know for sure you money is ending up in the rplace as well.


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New Hope Church

300 Wichita Steet, Wichita Falls, Texas 76307

Please Join Us For Sunday Services


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WFISD Now Hiring Food Service St

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Realities Of Career Change: Smooth Th

Transition With Small, Actionable StepsARA) - Studies show that the average job-seeker

will change careers several times over the course ofhis or her lifetime. Different variables contribute tohe desire for career change, but the common thread

between those seeking to make this transition is anoverwhelming feeling of uncertainty about how to doso successfully.

Kimberly Bishop, founder and CEO of the careermanagement and leadership services company thatbears her name, is in the business of not only helpingndividuals nd jobs but also manage and success-ully change their careers.

Bishop advises that people looking to change careersset aside time every day to zero in on what they are

ooking to achieve as they begin taking the next stepso shift from their current career to the next. Its re -

ally about taking the big picture and breaking it downnto smaller, more actionable steps. Its very easy tobecome overwhelmed, but individuals must do theirhomework rst before shifting into their desired ca-eer, says Bishop.

Not sure where to begin? Bishop offers both tradition-

al and non-traditional career transitioning tips belo

1. Research, research, research - It may sounddious, but learning more about the career eld

are interested in is vital. How much research youalso depends on how much of a change youre ming. For example, are you transitioning from a nuto a Web designer? A great place to begin yoursearch is online. Sites like the U.S. Bureau of Laand Statistics Occupational Outlook Handbook provide insight into a variety of career elds and positions they encompass. Another key place for cducting research is to hone in on specic companin the industry you are pursuing. Their sites can vide you with accurate job descriptions and applicaskills needed to ll those positions.

2. Identify your transferable skills - You may alrepossess many skills that can be leveraged in a ncareer. For example, communications, leadersbudget management and planning are all transferaand applicable to what you might want to do in ynew career. You may be surprised that you alrehave a solid amount of experience to offer.

3. Assess your training and education - SearchInternet and identify job descriptions for positionthe eld that interests you and nd out the edution and training requirements for these positio


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*Finance oer subject to credit approval, applies to purchases o new Yamaha Motorcycles, ATVs & Scooters made on a Yamaha Installment Financing loan account rom 7/1/10-9/30/10. Minimumcontract 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 approvalcriteria. 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 select2010 (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 modelsshown 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 MotorcycleSaety 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 90ccare 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 dealeror 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 helmet, eyeprotection and protective clothing; never carry passengers; never engage in stunt riding; riding and alcohol/drugs dont mix; avoid excessive speed; and be particularly careul on difcult terrain.

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

HURRY - OFFER ENDS SOON!

401 N. Scott Avenue

Wichita Falls TX 76306

Phone: 940.322.4121Fax: 940.716.9333

Back-To-School Tips For Keeping Diabetes In Chec

ARA) - Back to school means back to busy for allparents and kids. Getting settled into a new schoolyear and schedule requires thoughtful preparation.But for parents of children with diabetes, back toschool requires extra steps to prepare your child forhe task of managing his or her diabetes in the class-oom and on the playground.

Families of children with diabetes know that maintain-ng a consistent monitoring schedule is crucial. Usinghese tips, however, can make you and your child feel

more condent and prepared for managing diabetesand everything related while at school.

Be prepared. Diabetes can be unpredictable. Makesure that your child, his or her teacher and schoolnurse have the proper tools, plans and teams in place

o handle any situation.

Talk to your childs health care team and school

medical staff to determine the best diabetes c

management plan.

* Give your child a medical alert bracelet. Identifyhim or her as diabetic will be important in case oemergency.

* Provide your childs teacher and school nurse wemergency phone numbers for you and your chdoctor.

* Prepare an extra glucagon kit with a special, plled syringe that can be used in case your child severe hypoglycemia and is unable to take soform of sugar by mouth.

* Think ahead. Your child should keep a box of betes supplies at school with things like snacks, cose tabs and testing strips. Remind your childcheck his or her supply box often to make sure


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The North Texas Journal v23n39