Denton Record-Chronicle (Denton, Tex.), Vol. 111, No. 258, Ed. 1 Friday, April 17, 2015 Page: 3 of 100
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LOCAL/GOOD LIVING
3A
Denton Record-Chronicle
Friday, April 17, 2015
Resources can help those in need of an RIA
ance needs, a diversified invest-
ment portfolio, etc.
Typically, RIAs charge flat
fees for the services offered, and
they can be non-trivial, depend-
ing on the level of assistance you
might need — from an exhaus-
tive financial plan to maybe just
help with investing. Often your
fiduciary will provide a free get-
acquainted session as they re-
view your financial situation so
that you are clear with what they
can offer and their fee structure.
You should interview several
n a previous column, we
talked about stockbrokers as
being salespeople who charge
commissions and provide invest-
ments that are “suitable.”
Often these suitable invest-
ments come at a cost that benefit
their bottom line more than
yours, a standard that critics say
permits high fees that com-
pound over time and eat into in-
vestors’ returns.
There is another category of
professionals, called Registered
Investment Advisors (RIA), who
kers and RIAs. In February,
President Barack Obama urged
the U.S. Department of Labor to
move ahead with plans to re-
quire broker dealers to apply the
fiduciary standard to handling
of retirement accounts.
RIAs operating on your be-
half can provide varied levels of
service. They can do detailed fi-
nancial plans that account for
your tolerance for risk, life’s
goals, budgeting, cash flow, debt
management, mortgages, col-
lege expenses, retirement, insur-
RIAs to see their methods and
approach, and determine if they
are a fit with your expectations.
As you can imagine, RIAs differ
in their approach, so it is very
important to understand their
philosophies.
Here are a few resources for
finding an RIA:
■ www.napfa.org — a com-
prehensive site providing the
questions to ask yourself and po-
tential advisors. You can also
find a list of RIAs in your geo-
graphic area.
■ garrettplanningnetwork.
a network of hourly-
Mike Weaver
I
com
based-fee-only planners. All
members have attained the Cer-
FAMILY AND CONSUMER
SCIENCE
tified Financial Planner desig-
nation.
■ www.plannersearch.org
tilt' Financial Planning Associa-
tion is the largest membership
organization for CFP profes-
sionals in the U.S.
MIKE WEAVER is a volun-
teer with Texas A &M AgriLife
Extension’s family and con-
sumer science program.
are required by law to take into
account their clients’ best inter-
ests when making investments
on their behalf. These RIAs are
held to this so-called “fiduciary”
standard by the U.S. Securities
and Exchange Commission. The
chairman of the SEC has recent-
ly advocated that the fiduciary
standard be applied to both bro-
Traffic official urges extra caution during rainy season
BRIEFLY
IN DENTON
Emergency preparedness
fair set for Saturday
Howto stay safe in crisis situ-
ations is the main topic for this
year’s Emergency Preparedness
Summit and Fair, planned from
8 a.m. to noon Saturday at the
LaGrone Advanced Technology
Complex, 1504 Long Road in
Denton.
The sev-
enth annual
event, hosted
by U.S. Rep.
Michael Bur-
gess, R-Lewis-
ville, in part-
nership with Burgess
the city of
Denton and the Denton school
district, will be an indoor-out-
door fair with a kid’s safety zone,
a “Make a PLAN-ter!” work-
shop, games and entertainment.
A live electrical arcing dem-
onstration, emergency vehicle
tours and free giveaways will al-
so be part of the day’s festivities,
officials said.
In addition, a school safety
panel featuring Denton ISD rep-
resentatives will discuss how the
district responds to weather
emergencies at all school levels,
according to district officials. Pan-
els are slated to begin at 8:30 a.m.
— Megan Gray-Hatfield
kk
so many brand new books to
load into the libraries,” Argyle
Little Free Libraries coordinator
Patti Smith said.
The books and their authors/
illustrators include: The Great
Hunter by Lyn Gray; The But-
ton Box by Janet Sever Hull;
Gracie Lou and the Bad
Dream Eater by Danielle A.
Vann; MJ’s New Friend and
The Little White Light by Judy
Ann Lowe; and The 3 WBoys
by Raebeth Costolo. Illustrator
and author Diane Shapley do-
nated two copies each of Tator’s
Big Race, Tator’s Swamp Fe-
ver, Apples for Fred, and Fred
Visits the Emerald Coast.
Georgia Caraway, retired ex-
ecutive director of Denton
County Museums, donated 13
children’s books — The Crip-
pled Lamb by Max Lucado with
Jenna, Andrea and Sara Luca-
do; The Rainbabies by Laura
Krauss Melmed; Walt Disney’s
Snow White and the Seven
Dwarfs-, Alcott Afoot by Steve
Kissing; Pinocchio the Boy by
Lane Smith; A Child’s Garden
of Verse by Robert Lewis Ste-
venson; It’s Hard to Be Five by
Jamie Lee Curtis and Laura
Cornell; The Treasure Hunt by
A. J. Wood; A// God’s Creatures
Go to Heaven by NA. Noel; The
Indescribable Gift by Richard
Exley; Teddy Toast by Rosie
Wermert and Marie McClurg;
Eve of the Emperor Penguin by
Mary Pope Osborne; and Hur-
ry, Furry Feet by Scott Fores-
man.
ccl@aol.com.
■ The Argyle lions Club
meets at noon on the first Tues-
day of each month and at 6:30
p.m. the third Tuesday of each
month (board members meet at
5:30 p.m.) in the Argyle Town
Hall Community Room, 308
Denton St.
For more information, email
scurry@nstarbank.com.
■ The Argyle Senior Center
meets every Wednesday and Fri-
day in the Argyle Town Hall
Community Room, 308 Denton
St., with exercise beginning at 10
a.m. followed by card games at 11
a.m.
caution
E
xercismg
when driving in the
rain begins with ve-
hicle maintenance,” said Officer
Steve Wallace, traffic enforce-
ment/accident investigator for
the Argyle Police Department.
He advised motorists to be sure
“The books and the Argyle
Little Free Libraries are wonder-
ful gifts to the community,”
Smith said.
Argyle Little Free Libraries’
“Take-a-book-Leave-a-book” lo-
cations are: Real Estate Station,
702 U.S. Highway 377; Edward
Jones, 100 Country Club Road,
Suite 100; PointBank, 302 N.
U.S. Highway 377; and Argyle
Town Hall, 308 Denton St.
iV
Lx
to have good tires and that the
tires are rotated as recom-
mended by the manufacturer.
He also suggests making sure
windshield wiper blades are in
good working condition and to
change them once a year. Wallace
cautions not to use cruise control
while driving in the rain. It will
not help if the automobile begins
to hydroplane. When a layer of
water builds up between the road
and the tire, making the tires lose
traction, the vehicle begins to slide
causing it to hydroplane.
To prevent hydroplaning
while driving in the rain or when
the road is wet, reduce speed and
if possible, avoid puddles. Should
the automobile begin to hydro-
plane, he advises not to panic and
let off the brake and steer in the
direction the vehicle is sliding.
When approaching fast-
moving water, like a creek or
flooded roadway, Wallace warns
to turn around. Do not attempt
to cross fast-moving water. In
flash floods, nearly half the fatal-
ities occur in a vehicle. “Remem-
Lynn Sheffield
Simmons
THE PLACE IS ARGYLE
ber, turn around; don’t drown,”
he said.
He also suggests remember-
ing that roadways are slick the
first hour after the rain begins
because of the oil on the road.
Go slow, like you would on
icy roads, and give yourself more
distance between you and the
car ahead of you, he said. This
will give you a better chance of
avoiding an accident.
Authors make book
donations
Children’s book authors and
illustrators attending the North
Texas Book Festival last week
donated their children’s books to
the Argyle Little Free Libraries.
“The North Texas Book Fes-
tival was instrumental in getting
the Argyle Little Free Libraries
started, and it’s exciting to have
■
For more information, call
940-464-7438 or visit www.
argyleseniorcenter.com.
■ Keep Argyle Beautiful
meets at 5:30 p.m. on the sec-
ond Tuesday of each month in
the Argyle Town Hall Commu-
nity Room, 308 Denton St.
For more information, email
dcottle @temporah.com.
Cleanup day is Saturday
The town of Argyle will spon-
sor its annual Spring Clean-up
Day from 8 to 11 a.m. Saturday at
Argyle Town Hall, 308 Denton
St., where residents Argyle resi-
dents (proof of residency re-
quired) can drop off broken, un-
used or unwanted items at no
cost.
LYNN SHEFFIELD
SIMMONS is the founder and
past president of the North
Texas Book Festival Inc. She is
the author of 10 children’s books
and two history books on Ar-
gyle. Her website is www.argyle
books.com. She can be reached
at lynn@argylebooks.com.
Ongoing events
■ The Argyle Community
Civic League meets at 6:15 p.m.
on the second Monday of each
month at 306 U.S. Highway 377,
Suite B, in Settlers Center.
Those interested in joining
can contact the league at argyle
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Parks, Scott K. Denton Record-Chronicle (Denton, Tex.), Vol. 111, No. 258, Ed. 1 Friday, April 17, 2015, newspaper, April 17, 2015; Denton, Texas. (https://texashistory.unt.edu/ark:/67531/metapth1124463/m1/3/: accessed July 16, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu; .