March 2017

DENTON
Business
www.dentonbusinesschronicle.com
CHRONICLE

From skeptical to booming

By Matt Payne and Jenna Duncan

efore the birth of Cindy Ty-

B singers woman-owned, multi-

million-dollar IT firm GSATi,
she remembers being the chief in-
formation officer and senior vice
president of information technology
at marketing firm Mannatech.
She was skeptical of being the
only female executive in the compa-
ny, and once it sold to a larger com-
pany, her skepticism grew. So she
decided to do things her own way:
She went to start her own business.
The staff of GSATi which start-
ed at Tysingers home in Denton,
with her two sons and a collection of
employees who worked with her at
Mannatech pride themselves on
the IT firms familial mindset. GSATi
employs staff from five states and
four countries, with multilingual
team members to negotiate with
clients worldwide.
Diversity is very important to us.
Its one of our highest values our
culture is based upon, Tysinger said.
The proudest thing Ive seen in this
culture is this family. We call every-
body family.
Since 2009, theres been a 192
percent increase in loan dollars for
woman-owned businesses across the
county, said Darla Booker, regional
communications director for the
Small Business Association. The
boom is statewide, with Texas ranked
No. 2 for woman-owned businesses
in the country.
With the numbers increasing,
support is too. In 2010, the Denton
Chamber of Commerce started the
Women in Commerce group, looking
to support its female members.
With resources expanding,
The chamber felt, given that we
have so many women contributing
great things to our community, that
female business owners
we needed a place to develop more
women leaders, said Angelica Del
Rosal, director of membership and
better able to follow
programs for the chamber. Even
though we dont necessarily zero in
on other particular segments, we did
example of Dentons GSATi
feel that it was justified given the
potential.
As the group, known as WINC, ABOVE GSATi CEO and founder Cindy Tysinger poses Thursday with
has established itself, Del Rosal says her companys core values at her office on the second floor of the Texas
there are plans to grow its influence. Building on the Denton Square.
Over the past seven years, the group
Photo by Jeff Woo
has focused on providing training,
networking and professional devel-
opment resources. Soon, it hopes to LEFT The Denton Chamber of Commerce holds regular mixers through
add another component: mentorship. its Women in Commerce group.
WOMEN | CONTINUED ON PAGE 7 Courtesy photo

Bills where you can cut a better deal

By Liz Weston | NerdWallet

The word bills used to be synon-

By Jenna Duncan | Staff Writer
Noles General Store is moving
to a booth space at Antique Gallery
in Lewisville after operating at 315 W.
Hickory St. for almost six years.
Christye Price, the stores buyer, said
the business wanted to downsize and
take away the daily commitment of
running the shop. Move-out is set for
the end of March.
Speaking of moves, Old West
Cafe is moving by the end of the
month. The new location (formerly
the Black-eyed Pea) will double the
restaurants seating area.
DUNCAN | CONTINUED ON PAGE 10
ymous with fixed expenses. But
theres nothing fixed about many of
the bills a typical household pays
today.
Some bills have introductory rates
that expire, shooting monthly costs
skyward. Others offer secret dis-
counts or upgrades to those in the
know. Providers constantly tweak
their plans and pricing, which means
long-term customers can overpay by
hundreds of dollars a year.
Its like airline seating pricing,
says Steven McKean, founder and
CEO of BillShark, a bill negotiating
service based in Boston. I wouldnt
say [people] are overcharged, but I
would just say that the pricing is very
opaque. Getty Images
BillShark calculates that Americans Some bills have introductory rates that expire, shooting monthly costs skyward. Provid-
ers constantly tweak their plans and pricing, which means long-term customers can
BILLS | CONTINUED ON PAGE 10 overpay by hundreds of dollars a year.

BO
2 MARCH 2017
Enterprising Voices
Challenges faced by womens small businesses
omen small busi-
W ness owners are
extremely optimistic
about the future, business
performance and plans to
invest in their businesses
through marketing and prod-
uct and service development.
But women in small busi-
ness also face a particular set
of hurdles: limited access to a
support network, balancing
business and family life, and
coping with the fear of failure
while at the same time owning
our accomplishments.
How can we make direct
changes to this in the immedi-
ate future?
Balancing business
and family life
As women, we no doubt
have a lot on our plates be-
tween work and life responsi-
bilities. Work-life balance is a
goal of many entrepreneurs
regardless of their gender, but
women with their own busi-
nesses have to simultaneously
run their families and their
companies. And in this area,
traditional gender expecta-
tions often still prevail.
I think one of the greatest
contributors to this struggle
for balance is how we, as
women, approach our priori-
ties. For example, as a woman
business owner with children,
the amount you juggle is mag-
nified when you add in the
day-to-day management of
your companys growth strate-
gies and resources in addition
to waking up in the morning
to get the kids up, fed, dressed
and out the door without even
stopping for a cup of coffee.
Women feel compelled to
take care of others first at
home and in the workplace.
Well make time for extra
projects, client lunches, calls
or employees, but never paus-
ing for ourselves.
Biz on the Wire
Oil could flow next week
Dakota Access
firm asks judge to
reject tribal plea
By Blake Nicholson | AP
BISMARCK, N.D. The
company building the Dakota
Access pipeline has asked a
federal judge to reject the
latest attempt by two Amer-
ican Indian tribes to halt the
project, with oil likely to begin
flowing early next week.
Texas-based Energy Trans-
fer Partners argues in court
documents filed Monday that
it has endured enough delays
and that the Standing Rock
and Cheyenne River Sioux
tribes are employing a last-
gasp litigation tactic.
The tribes have appealed a
decision by U.S. District Judge
James Boasberg to not stop
construction of the pipelines
final segment under Lake
Oahe, a Missouri River reser-
voir in North Dakota from
which they get their water.
Theyve asked Boasberg to
head off the imminent flow of
oil through the four-state
pipeline until the appeal is
resolved.
The tribes maintain that an
oil pipeline under the lake
they consider sacred violates
their right to practice their
religion.
In its response, ETP argues
that the tribes religion-based
argument is flawed and that
they introduced it too late in
the legal process.
The tribe fails to explain
how the added burden of a
pipeline that crosses this part
of the Missouri River could
itself produce irreparable
harm to the purity of Lake
Oahes waters when so many
other oil pipelines, gas pipe-
lines, refineries, power lines,
railroad tracks and other
man-made intrusions have
burdened the same waters
for so long, company at-
Ren PAULSON |
COMMENTARY
Im a perfectionist, so dele-
gation is something I really
struggle with. Clients initially
were referred to my business
because of the quality my
work, but in order to grow
personally and professionally,
its critical to delegate.
How do you overcome that
delegation hurdle? First, take
the time to train your staff, but
also train yourself in thinking
differently. There is not always
one way to complete a task,
and recognizing that can be
very freeing. As your company
grows, your doing hat has to
shrink and your training hat
has to grow. Take the time to
train your employees and trust
their work.
Take the time to organize
and plan. Remember that we
always underestimate the time
it takes to do something. The
to-do list will never truly end,
so be sure to work in time for
family and yourself and
dont feel guilty about it. Youll
be more focused for work if
you take the time for personal
things.
Employee engagement
Similar to the shift in how
we conduct business, employ-
ee work motivation is chang-
ing. According to the State of
Women-Owned Business
Executive Report (April
2016), the growth trend in
employment is coming from
woman-owned firms, which
Tom Stromme/AP file photo
This Feb. 13 photo shows the site of the final phase of the Dakota Access
pipeline near Cannon Ball, N.D. Sioux tribes suing to stop the pipeline
want a federal judge to head off the imminent flow of oil.
torney William Scherman
wrote.
The tribes initially sued
over the project last summer,
arguing that it threatens cul-
tural sites and their water
supply. Those claims are not
yet resolved. The tribes added
the religion argument last
month.
In his decision last week,
Boasberg said the tribes didnt
raise the religion argument in
a timely fashion and he ques-
tioned its merits. The tribes
are appealing his reasoning to
the U.S. Court of Appeals for
the District of Columbia Cir-
cuit and say that if oil flows
before the appeal is resolved,
they will lose any chance to
D
BC
... and how were changing the world
is up 18 percent since 2007
The strongest employment
growth among women-owned
firms is seen among [small
businesses] employing be-
tween 50 and 99 workers.
Disappearing are the work-
ers who wanted to work hard
just for a paycheck. They want
to be engaged, they want to
work for a company with
purpose, etc. Women are
better at creating companies
that have a purpose.
So how do you motivate
employees? Commit to a set
amount of time each week or
month to engage your em-
ployees. Have a group meeting
to gather their ideas on your
business directions and report
on the ones you implement.
Many of our greatest business
ideas came from my employ-
ees.
Fear of failure vs.
celebrating successes
Confidence is a big factor
in business, and it most defi-
nitely can be learned. This is
why I really encourage more
women to take on leadership
roles and do the things theyre
passionate about, even if they
are scared, dont have the
confidence or dont feel that
they are an expert. We have a
tendency to make excuses that
lead to not doing.
Its all perspective. Expert
doesnt mean you know 100
percent of something, it
means you have comprehen-
sive knowledge and skills.
Recognize that you have what
makes you an expert. As your
business experience grows,
that confidence will grow, and
as that happens, take the time
to celebrate.
Women finally are allowing
defend their free exercise of
religion.
In court documents, ETP
said the hole under the lake is
nearly finished, and crews
anticipate pulling pipe
through this week and doing
final testing.
As a result, Dakota Access
projects that oil may be in-
troduced in this part of the
line between Monday, March
20, 2017, and Wednesday,
March 22, 2017, depending on
the success of the testing,
Scherman wrote.
The pipeline will carry
North Dakota oil through
South Dakota and Iowa to a
shipping point in Illinois 1,200
miles away.
Denton Record-Chronicle
Getty Images/Thinkstock
Women who own small businesses face a particular set of hurdles, and women finally are allowing themselves
to be open and authentic about their struggles.
themselves to be open and place to help businesses head- sion and purpose.
authentic about their strug- ed by women and minorities
gles. More and more women gain a competitive advantage. REN PAULSON is exec-
are supporting and encourag- However, as women and utive director of the Center
ing one another to talk about women business owners, one for Research Design and
the disappointments of life of our greatest weapons in Analysis at Texas Womans
and business, and still cele- our fight for true equality is University. Paulson is a
brating their wins without our voice. Together, we can senior statistician and presi-
being judged for it. speak out on the issues that dent of Elite Research LLC,
The growing prevalence of are most important to all of the founder of Divergent Web
women small business owners us, in our communities, in Solutions LLC and PhD
didnt happen by accident. our states and in our nations Student.com, and a member
Legislative acts such as the capital. It is an amazing time of MomMD LLC. She recent-
Small Business Jobs Act of to be a female business own- ly was named to the Nation-
2010 and the Womens Equity er; women are stepping up to al Small Business Associa-
in Contracting Act were put in create careers based in pas- tion Leadership Council.
Calendar of Events
APIs and IPAs, hosted by Denton County Young Lake Cities Chamber of
TechMill, meets every other
Tuesday at Harvest House, 331
E. Hickory St., for a tech-
centered hangout.
Professionals hosts a month-
ly mixer at a new place each
month. Aprils mixer will be
on the lawn of the Courthouse
Commerce holds weekly
coffee meetings on Wednes-
days. Upcoming locations will
be listed at www.lakecities
Tuesday, March 28, 6:30 p.m. on the Square. chamber.com/chamber-events.
Tuesday, April 11, 6:30 p.m.
Thursday, April 6, 5:30 p.m. Wednesday, March 22, 7:15 a.m.
Wednesday, March 29, 7:15 a.m.
Wednesday, April 5, 7:15 a.m.
Argyle Planning and Denton Hispanic Cham- Wednesday, April 12, 7:15 a.m.
Zoning Commission meets ber of Commerce holds its
the first Tuesday of the month monthly lead generator lun- Lake Cities Chamber of
at 308 Denton St. cheon the second Tuesday of Commerce hosts monthly
Tuesday, April 4, 6:30 p.m. the month. It is held at Side- luncheons at rotating loca-
walk Cafe, 2900 Wind River tions on the third Tuesday of
Denton Black Chamber Lane, and admission is $5 for the month. This month will be
of Commerce meets the members and $10 for guests. at Oakmont Country Club,
second Tuesday of the month Tuesday, April 11, 11:30 a.m. 1901 Oakmont Drive in Cor-
at the Denton Housing Au- inth.
thority, 1225 Wilson St. The Denton League of Tuesday, March 21, 11:30 a.m.
Tuesday, April 11, 6 p.m. United Latin American
Citizens No. 4366 meets the Little D Open Coffee
Denton Chamber of third Saturday of the month at Club, hosted by TechMill,
Commerce will host its annu- the Denton Senior Center, meets every other Tuesday at
al banquet at the University of 509 N. Bell Ave. West Oak Coffee Bar, 114 W.
North Texas Gateway Center, Saturday, March 18, 9:30 a.m. Oak St., to discuss technology
801 North Texas Blvd. In- and startups.
dividual tickets cost $60, and Denton Planning and Tuesday, March 21, 8 a.m.
Tuesday, April 4, 8 a.m.
sponsorships are still available. Zoning Commission meets
Thursday, March 23, 5:30 p.m. at City Hall, 215 E. McKinney
St., every other Wednesday. Sanger Area Chamber of
Denton Chamber of Wednesday, March 22, 6:30 p.m. Commerce holds a network-
Wednesday, April 5, 6:30 p.m.
Commerce hosts regular ing leads luncheon the fourth
Smart Business 101 seminars Wednesday of every month.
at the chamber office, 414 W. Electronics recycling RSVP at http://sangertexas.
Parkway St. This session will takes place at The Cupboard com. This months luncheon
focus on how to increase busi- Natural Foods and Cafe, 200 will be held at the chamber
ness presence on Google. W. Congress St., the second office, 300 Bolivar St.
Tuesday, March 28, 11:45 a.m. Saturday of each month. Drop Wednesday, March 22, noon
off any computer-related
Denton County Young electronics for recycling. Visit
Professionals host coffee www.computercrusher.com
every third Wednesday of the for a list of acceptable items
month at The Chestnut Tree, and more information.
107 W. Hickory St. Saturday, April 8, 8 a.m.
Wednesday, April 19
Who to contact
Scott K. Parks Managing Editor
940-566-6879 | sparks@dentonrc.com
Jenna Duncan Business Editor
940-566-6889 | jduncan@dentonrc.com
Sandra Hammond Advertising Director
940-566-6820 | shammond@dentonrc.com
Shawn Reneau Retail Advertising
940-566-6843 | sreneau@dentonrc.com

Denton Record-Chronicle
Enterprising Voices
Some property exempt from seizure
t should be noted that
I Texas history is filled with
residents of other states
and countries moving to Texas
to escape debt and not-so-
friendly debt collection laws,
including debtors prison. For
example, William B. Travis
avoided arrest in Alabama for
unpaid debts by moving to
Texas.
As a result, early Texans
were not so fond of govern-
ment interference in their
private matters, including debt
collection. That legacy still
exists in Texas. Obtaining a
judgment against a resident of
Texas may be one thing. But
collecting it is certainly anoth-
er.
Chapters 41 and 42 of the
Texas Property Code set forth
certain property classifica-
tions that are exempt from
execution by a judgment
creditor. Execution is the
process of forcefully taking
the property of a debtor,
selling it and paying the
proceeds to a judgment cred-
itor. If the property is ex-
empt, it may not be taken to
satisfy a judgment debt.
Chapter 41 deals with ex-
empt real property. Real prop-
erty includes any permanent
improvements and fixtures
located on land. Except for
certain permitted types of
liens and removables, a
homestead and one or more
lots used for a place of burial
are exempt from seizure for
the claims of a judgment
creditor.
In order to qualify as a
homestead, the real property
(and improvements) must be
categorized as either urban or
rural. If a property is urban,
then the homestead exemp-
tion is limited to 10 acres. If a
property is rural, then for a
single adult person the home-
stead exemption is limited to
100 acres, and for a family the
exemption is limited to 200
acres.
A property is considered
rural if it is not urban. A prop-
erty is considered urban if the
property is located within the
limits of a municipality or the
extraterritorial jurisdiction of
a municipality or a platted
subdivision; and is served by
Biz on the Wire
Free meals return to coach on American
DALLAS (AP) Amer-
ican Airlines says it will offer
free meals to everyone in
economy on certain cross-
country flights starting May
1.
The decision at the worlds
biggest airline copies Delta Air
Lines, which announced a
month ago that it would re-
store free meals in economy
on a dozen long-haul U.S.
routes.
Fort Worth-based Amer-
ican said Tuesday that it will
open the kitchen on nonstop
flights between New York and
both Los Angeles and San
Francisco.
The airline says that pas-
sengers will get a continental
breakfast or a sandwich wrap,
chips and dessert, or they can
pick a vegetarian meal or a
fruit-and-cheese plate.
MARCH 2017 3
D
BC
Scott ALAGOOD |
COMMENTARY
policy protection, paid or
volunteer fire protection, and
at least three of the following
services provided by a munici-
pality or under contract to a
municipality: electric, natural
gas, sewer, storm sewer, and
water.
The proceeds from the sale
of a homestead continue to be
exempt for a period of six
months following the date of
sale.
Chapter 42 addresses ex-
empt personal property. Per-
sonal property includes move-
able property that is not real
property. Certain amounts
and types of personal property
are exempt from garnishment,
attachment, execution or
other seizure. The amount is
limited to $100,000 of the
combined fair market value of
the personal property of a
family. For a single adult, the
exemption amount is limited
to $50,000.
The following are types of
personal property that are
exempt so long as the com-
bined value does not exceed
the limitations set forth
above:
home furnishings, in-
cluding family heirlooms; Getty Images/Thinkstock
provisions for consump- Two horses and their forage are among the types of personal property that are exempt from execution by a judgment creditor so long as the combined
tion; value does not exceed set limitations.
farming or ranching
vehicles and implements; or single adult who holds a household pets. professionally prescribed lease or abandonment of the
tools, equipment, books drivers license or who does Unpaid commissions for health aids of a debtor or a leased premises).
and apparatuses, including not hold a drivers license but personal services not exceed- dependent of a debtor; Additionally, certain sav-
boats and motor vehicles, used who relies on another person ing 25 percent of the limita- alimony, support or ings and retirement plans and
in a trade or profession; to operate the vehicle for the tions set forth above also are separate maintenance received college savings plans are ex-
wearing apparel; benefit of the nonlicensed exempt from seizure. or to be received by the debtor empted from seizure.
jewelery not exceeding person; The following are the types for the support of the debtor
25 percent of the aggregate the following animals of personal property that are or a dependent of a debtor; R. SCOTT ALAGOOD is
limits set forth above; and forage on hand for their exempt and their combined and certified by the Texas Board
two firearms; consumption: two horses, value is not included in the Bible or other religious of Legal Specialization in
athletic and sporting mules or donkeys and a sad- limitations discussed above: book containing sacred writ- commercial and residential
equipment, including bicycles; dle, blanket and bridle for current wages for per- ings (excludes a landlord real estate law. He can be
a two-wheel, three-wheel each; 12 head of cattle; 60 sonal services (except for exercising a contractual or reached at alagood@
or four-wheel motor vehicle head of other types of live- court-ordered child support statutory right to seize proper- dentonlaw.com and
for each member of a family stock; and 120 fowl; and payments); ty after a tenants breach of a www.dentonlaw.com.
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4 MARCH 2017 D
BC Denton Record-Chronicle

Enterprising Voices

Set expectations for your marketing firm

omeone once told me (hopefully in the form of

S that expectations are

pre-planned resent-
ments, but if youre paying a
marketing company for ongo-
ing services, I think you
should go ahead and set some
expectations.
Working with a marketing
company can be a big step for
many businesses, and theyre
often completely unsure of
what to expect.
Lets knock that uncertain-
ty out here and now and get
you prepared for your first
interaction with a marketing
company. And I hope this isnt
the case, but lets give you the
tools you need to evaluate
your current marketing com-
pany if theyre not performing
as youd like.
Heres what you should
expect when hiring a market-
ing firm:
Dont expect the moon, but
expect an asteroid or two
If a marketing firm is
promising you the moon, is
promising to get you on the
first page of Google in a
month, is promising you thou-
sands of qualified leads each
week or an increase in busi-
ness of hundreds of percent,
you should probably run far,
far away.
However, theres a reason
that some marketing firms
promise their customers the
moon their customers have
unreasonable expectations
about how marketing (espe-
cially digital marketing)
works.
Marketing is an accelerant,
but even rocket fuel has limits.
You cant be teleported to the
top of local search results in a
flash for $500 (or $5,000 or
Heather STEELE |
COMMENTARY
$50,000).
Marketing takes time and
is a cumulative process, but it
still very much has a measur-
able effect.
So before you go out and
hire a marketing company,
educate yourself on just what
marketing can and cannot do
for a business especially a
business in your industry.
Find out exactly what is and
isnt reasonable by researching
online, talking to other busi-
nesses in your industry and
talking to marketing firms
that work with businesses like
yours.
If the marketing company
youre thinking of working
with is promising you the
moon, ask them how they
plan to deliver it.
Marketing firm should be
able to show you progress
By the same token, if your
marketing firm is unwilling to
set any sort of expectations (or
worse, if they treat marketing
like its some sort of magical
creative process that cant be
measured), this is just as con-
cerning.
A good marketing firm is
going to help you choose rea-
sonable, achievable, measur-
able goals, and then theyre
going to provide feedback
weekly, monthly or quarterly
reports) on exactly how effec-
tive their efforts have been
and how close theyve been
able to move you to your
goals.
A good marketing firm is
going to tell you what cant be
done with the time and bud-
get you have. Theyll help you
set reasonable expectations
around your marketing and
what their work can or cant
help you achieve.
Your marketing firm should
be accountable to you
At the end of the day,
youre the client, youre the
one shelling out the big bucks
for marketing work, which
means youre in control.
If youre not getting work
that meets the expectations
youve set, if your marketing
firm isnt willing to account
for its time or demonstrate
results, if you cant get simple
progress reports or data on
how their marketing efforts
are helping you reach your
goals
Walk away.
Or, at the very least, voice
your expectations and ask that
they be met. And if theyre not
willing to do so, it might be
best for both parties if you
part ways.
Or just do your own George Doyle/Getty Images
marketing A good marketing firm will help you choose reasonable, achievable, measurable goals, then provide feedback.
Now, if youre the DIY type,
you can absolutely do your people like you the DIYers processes we use to help our to save 15 percent.
own marketing. who just need a little bit of clients identify, and take ad- Happy marketing.
However, if you have no help leveling up before they vantage of, their best market-
background or training in strike out on their own ad- ing opportunities. HEATHER STEELE is the
marketing, you might find it a venture. You can check it out at founder of Blue Steele Solu-
bit of an uphill battle. Its called Level Up to Awe- www.bluesteelesolutions.com/ tions. She can be reached at
We just recently put out an some, and it walks you, step resources/level-up-to-awesome. heather@bluesteelesolutions.
online marketing course for by step, through the same Enter promo code DRC0317 com.

Biz on
the Wire ADVERTISEMENT

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retirement (e.g. military, Federal
Employee Retirement System,
Civil Service Retirement System,
make sure that there is a proper
order on file with the plan. If not,
you should seek legal advice in

Neiman Bad news first: The presumption

in Texas is that all property is
not divided correctly, sending
everyone back to court. In both
cases, a savvy family lawyer
Thrift Savings Plan), and bonuses.

When retirement and employee

order to obtain such an order.
There is usually no time limit to
obtain the order; however, if your

Marcus community property and can be

By Anne DInnocenzio | AP
NEW YORK Luxury
retailer Neiman Marcus says
its exploring strategic alterna-
tives including a possible sale
of the company.
The announcement Tues-
day came as the retailer, which
also operates Bergdorf Good-
man, reported a loss in its
second fiscal quarter that
ended Jan. 28 and its sixth
consecutive quarterly drop for
a key revenue measure.
Like many department
stores, Neiman Marcus has
been wrestling with declining
customer traffic and sluggish
sales as shoppers increasingly
buy online. Even in the world
of luxury, affluent shoppers
are dramatically changing
their habits and are buying
designer bags and clothes
online on places like eBay or
consignment shops.
The high-end brands are
losing momentum, says Mar-
shal Cohen, chief industry
analyst at NPD Group Inc., a
market research firm. He said
the average price for a luxury
item dropped 5 percent last
year from the prior year.
The Wall Street Journal
reported that Neiman Marcus
is in discussions with depart-
ment store operator Hudsons
Bay Co., which has been on an
acquisition spree over the past
few years and operates such
stores as Saks Fifth Avenue,
Lord & Taylor and its name-
sake chain.
Neiman Marcus says it has
not set up a timetable for
completing the evaluation.
Known for its lavish Christ-
mas catalog, it was bought by
DE-1597187-01
divided in a divorce.
probably could have avoided a
lot trouble.
benefits and plans are divided in
a divorce, an order in addition
to the final divorce document is
ex-spouse dies or retires and
receives all the funds, then you
may be out of luck.
The good news: Texas also Examples of retirement and almost always necessary. Such
recognizes separate property, employee benefits that can additional order is vital for the Likewise, the employee spouse
which cannot be divided in be divided by the court are: recipient to actually receive their in this example has an interest
a divorce. Separate property pensions, 401(k)s, employee share of the funds. Without the in such orders being completed
consists of property a person had stock purchase plans, employee additional order, the recipient for the recipient spouse. This is
on the date of marriage, property stock option plans, restricted could lose the benefits forever. because the administrator of the
that was a gift, or property that stock awards, restricted stock The final divorce document is not plan may have frozen the assets
was inherited.
units, deferred compensation, enough. in contemplation of an order
state retirement (e.g. Teacher being received for the recipient
Retirement, and certain employee Retirement System, Texas So what if youve been divorced spouse. If this is the case, then the
benefits are presumed to be (regardless how many years ago), employee spouse may
community property
find out at retirement that
and can be divided by they cannot start their
the court. If a divorcing
retirement benefits until
employee believes that the order is completed,
any of their retirement or until they receive proof
or employee benefits that the ex-spouse did
are separate property, not receive a portion of
the employee will have the asset.
the burden to prove
that it is their separate Lets face it: retirement
property. and employee benefits
are often the largest, most
It is important for both complicated assets to be
divorcing spouses divided in a divorce. Your
to seek legal advice marriage may be over,
before dividing such but youre still headed
assets. Why? Because to 65get with a family
bad things can lawyer to make sure you
happen. Example A: still have these assets
an employee spouse when you get there.
loses benefits that were (From left to right) Brook Stuntebeck, Sean Abeyta, Charla H. Bradshaw, James Logue, and Sarah Darnell
Denton Dallas
KoonsFuller, P.C. has experienced attorneys who ABOUT KOONSFULLER
320 West Eagle Drive 1717 McKinney Avenue
Suite 200 Suite 1500
have the knowledge and resources to serve KoonsFuller, P.C. is the
largest Southwest-based
Denton, Texas 76201 Dallas, Texas 75202 clients in matters including divorce litigation; family law firm with five
(940) 442-6677 (214) 871-2727 property division of any size and complexity; Texas locations Dallas,
Southlake, Plano, Denton and
marital agreements both before (prenuptial)
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Suite 225 Suite 2200 valuation and division; child custody, visitation www.koonsfuller.com
Southlake, Texas 76092 Plano, Texas 75093 with children, child support and paternity;
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grandparent and third party rights to children,
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109 North Post Oak Lane work, as well as litigation alternatives such
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Ares Management LLC and Houston, Texas 77024

the Canada Pension Plan (713) 828-5090 across Texas, and in certain cases the nation.
www.KoonsFuller.com
Investment Board in 2013.
 MARCH 2017 5
Denton Record-Chronicle D
BC
Enterprising Voices
Applications open for next Leadership Denton class
very Leadership Den- mer mayors of Denton, nu-

E ton class is assigned a

group project, with the
results, findings and recom-
mendations presented publicly
at its final session prior to
graduation.
The 18 individuals in our
current class will graduate
April 28 during the Denton
Chamber of Commerces
membership luncheon. As
required, they will make a
presentation April 6, propos-
ing ideas to increase the
amount of housing in Denton
that is affordable to support
the goals of the Denton 2030
Plan. Components of this
issue are being jointly ad-
dressed by the United Way of
Denton County and Serve
Denton.
The chambers Leadership
Denton program offers a
series of comprehensive train-
Chuck CARPENTER |
COMMENTARY
ing sessions designed to help
make interested Denton-area
residents better aware of op-
portunities for community
service, as well as all levels of
public office. Applications for
the 33rd class are now avail-
able from the chamber.
With the graduation of the
32nd class April 28, a total of
560 individuals will have
completed Leadership Den-
ton. Alumni include two for-
merous City Council and
Denton school board mem-
bers and the current heads of
the United Way of Denton
County and Serve Denton.
Ten directors on the current
chamber board have complet-
ed the program, and 12 or our
past board chairmen are
Leadership Denton graduates.
Application to Leadership
Denton entails a written sub-
mission and personal in-
terview. Class participants are Jeff Woo/DRC
selected based on demonstrat- The Discover Denton Welcome Center had its ribbon-cutting in July. The Leadership Denton class of 2012
ed personal interest and long- developed the idea for the center.
term commitment to the
Denton area. Interested in- within the boundaries of the ject is mandatory for gradua- potential Leadership Denton
dividuals may apply through Denton school district for at tion validates the foundation graduates.
May 12. least one year as of Aug. 1, of the program. Team build-
The 2017-18 Leadership 2017. For more details, please ing, reaching consensus and CHUCK CARPENTER is
Denton class is open to any refer to the Denton Chamber collaboration to carry out a president of the Denton
individual who is a citizen of of Commerce web site, common goal to ultimately Chamber of Commerce. He
the United States, is of voting www.denton-chamber.org. improve or benefit the Denton can be reached at dcoc@
age and has lived or worked The fact that a group pro- area remain the profile of denton-chamber.org.

Biz on
the Wire YOU CAN RELY ON OUR DEDICATED
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6 MARCH 2017 D
BC Denton Record-Chronicle

Enterprising Voices

Are stocks cheap or expensive?

We are not in bubble
territory or anything of the
sort. Measured against in-
terest rates, stocks are actually
on the cheap side. But if in-
terest rates were 7 or 8 per-
cent, these [stock] prices
would look exceptionally
high.
Warren Buffett, Jonathon FITE |
Feb. 27 on CNBC
COMMENTARY
ver the last 70 years,

O great investors and

teachers such as Ben
Graham and Warren Buffett
have developed the field of
value investing. Value in-
vestors see stocks as owner-
ship interests in businesses,
not merely as ticker symbols
on a TV screen.
The discipline of value
investing boils down to buying
stocks of good companies at
cheap prices. Buying a stock
when its price offers a deep
discount to its intrinsic value
reduces downside risks and
creates upside potential.
To decide if a stock is a
bargain, we must first calcu-
late its intrinsic value. The
intrinsic value of a business is
driven by its assets, profits and
growth prospects. Intuitively
that makes sense. After all, a
cash-rich, highly profitable,
fast-growing business is worth
more than a highly indebted,
unprofitable, shrinking busi-
ness.
But there is one more
crucial input: the interest rate.
Thats what Buffett empha-
sized in the recent interview
quoted above. Why does the
interest rate matter so much
for stock values?
Lets use a simple example
to illustrate the concept. Sup-
pose that a company (lets call
it Acme) has a stable, but not
growing, annual dividend of
$4 per share and a stock price
of $100. Dividing $4 by $100,
Acme has a 4 percent divi-
dend yield. Thats pretty
tempting in a world of near-
zero interest rates. In Buffetts
words, measured against
todays low rates, Acmes 4
percent yielding-stock is actu-
ally on the cheap side.
But lets look at this very
same stock in a high-interest
environment.
Suppose the prevailing
interest rate was 8 percent.
Acmes 4 percent dividend
yield wouldnt seem nearly so
juicy, right? You probably
wouldnt invest in a 4 percent
yielder (assuming no growth
potential) when you could
safely get 8 percent on your
bank savings account.
Where might Acmes stock
become tempting? At a divi-
dend yield well above the pre-
vailing 8 percent interest rate.
Youd want some excess
return to reward you for the
risk of a stock relative to a safe
savings account offering 8
percent. So lets say you insist-
ed on a 10 percent dividend
yield. Using the $4 annual
dividend, a fair price for Acme
would be $40 per share.
So lets recap. In a low-
interest-rate world, Acme stock
is cheap at $100 per share. In
a high-interest world, Acmes
shares would be expensive at
$100 and fairly valued at $40.
Thats 60 percent lower!
This is exactly Buffetts
point. If interest rates stay low,
todays lofty stock prices are
actually rational, even cheap.
But thats a very big if.
The second half of Buffetts
quote is just as important. If
we enter a high-interest envi-
ronment, todays stock prices
would look exceptionally
high and could fall. (Bonds,
which are in an epic bubble,
Getty Images/Thinkstock
would be hurt even worse in a
high-rate environment. Thats
why bonds have fallen signif-
icantly as rates have risen in
the last few months, even as
most stocks have rallied.)
Buffett has a great knack
for gauging market sentiment
and valuation. In the late
1990s, he loudly warned in-
vestors about the gigantic
stock market bubble, and was
proven right. In 2008 he
encouraged investors to buy
stocks. He was a bit early
(stocks kept falling until
March 2009) but ultimately
was proven right.
Today, with his carefully
chosen words, Buffett is en-
couraging investors to be
engaged in the market, but to
do so carefully.
How might investors man-
age this dilemma? First, focus
on value stocks rather than
high-priced momentum
stocks. The deep discount to
intrinsic value offers downside
protection.
Second, emphasize compa-
nies that can grow their profits
as interest rates rise and in-
flation rises.
In our portfolio, we have
loaded up on bargains in three
categories. Interest-rate plays,
such as undervalued banks,
serve as a direct hedge. The
second category is high-qual-
ity world dominators. Because
of their market dominance,
they can grow their profits
faster than inflation. These
growing profits would outpace
the drag from rising rates. The
third category, hard assets, is
chock-full of natural resource
and real estate companies that
similarly thrive in inflationary
environments.
JONATHON FITE is a
managing partner of KMF
Investments, a Texas-based
hedge fund. Jonathon is a
lecturer with the College of
Business at the University of
North Texas. This column is
provided for general interest
only and should not be con-
strued as a solicitation or as
personal investment advice.
Comments may be sent to
email@KMFInvestments.
com.

Biz on
the Wire
Mafias
appetite
soars for
food firms
By Frances DEmilio | AP
ROME Organized crime
has a seemingly insatiable
appetite for farm and food
businesses, one of the few
economic sectors experiencing
growth during Italys protract-
ed economic crisis.
Anti-mafia prosecutors and
Italys farm lobby Coldiretti on
Tuesday expressed concern
that the countrys crime syn-
dicates have increased their
infiltration or control of agri-
culture and food markets,
ranging from citrus exports to
the U.S., Italian wholesale
produce markets and local
supermarket chains. They
urged new legislation to help
law enforcement combat
mobsters involvement in
farming and food production.
A report estimated the
overall volume of business in
what has been called the agri-
Mafia interests jumped by 30
percent in 2016, compared to
2015s volume. The report,
which was presented at Coldi-
rettis Rome headquarters to
anti-Mafia investigators, law
enforcement ministers, law-
makers and police officials,
calculated the amount of busi-
ness at $23 billion, stressing the
estimate was likely low.
The bounty of Italys re-
nowned farm products is so
plentiful, each crime syndicate
and sometimes specific clans
are specializing in certain items.
Investigators alleged the
Piromalli crime clan was
behind the export to major
U.S. stores of what was labeled
extra virgin olive oil but what
was really oil made from resi-
due from the Middle East.
The report noted that the
same clan had controlled ex-
ports of oranges, mandarin
oranges and lemons to the U.S.
 MARCH 2017 7
Denton Record-Chronicle D
BC
Cover Story
WOMEN | CONTINUED FROM PAGE 1

It will be a great chance

for those women who have
been in their careers for a
considerable amount of time
to ... basically put themselves
out on a platform as a sup-
port, she said.
Tysinger is a member of
the WINC committee, work-
ing to foster the woman-
owned business community.
In the years since she start-
ed in her Denton home, GSATi
has upgraded. Its offices are
now perched on the second
floor of the Texas Building on
West Oak Street thanks to its
leaders will to beat the odds.
Tysinger remembers how
women working in technology
through the 1970s and 80s
were virtually nonexistent
much less in leadership posi-
tions.
Tysinger didnt let that
impact her. She developed a
passion for all things tech
growing up. She has a strong
sense of patriotism meshed
with that passion, as many of
Tysingers family members
enlisted in the military. She Jeff Woo
often would go to her fathers Cindy Tysinger is the CEO and founder of GSATi, a multimillion-dollar information technology firm.
base to observe and help work
on equipment at the age of 11.
Her official foray into the
industry came when she
joined the Department of
Defense and Civil Service at
the age of 16 as a programmer,
and she helped design a col-
lection of weapons. A con-
stantly fluctuating work agen-
da embodied her simple an-
swer to why she loves technol-
ogy so much change.
Its always evolving and
moving forward, Tysinger
said. My desire was always to
make life easier. Theres every-
day tech, then the benefits of
the military side of tech to
position the U.S. strongly. I
hate routine work and get
bored easily. Courtesy photo
Her gender, nevertheless, GSATi owner Cindy Tysinger, left, Sally Beautys Carolyn Corporon,
has always been a talking center, and Texas Womans University Chancellor and President
point. Carine Feyten attend a Women in Commerce event.
As a 22-year-old, she man- Courtesy photo
aged a team of 80 engineers Faculty members at Texas Womans University provide one-on-one help to aspiring entrepreneurs at the source of income. these behaviors that might be
part of the Hughes Aircraft Center for Women in Business. Simply put, staff members considered typical for men.
Ground Systems Group in the at the center encourage en-
Department of Defense and working with existing resourc- entrepreneurs, so she and incorporate moving forward. trepreneurs to think big. MATT PAYNE can be
Civil Service. es in the city of Denton to fellow counselors in the pro- Women tend to start busi- Part of this is really help- reached at 940-566-6845
Tysinger was the first wom- maximize impact. gram continually strive to try ness ventures with less capital ing women ask for more and and via Twitter at
an to run an engineering Methods the center uses to new efforts, gauging them as than men. With that in mind, take risks, to put themselves @MattePaper.
division in data management propel women include a vari- they go. the center encourages women out there and not be as hes- JENNA DUNCAN can be
for Hughes Aircraft, and near- ety of scholarships to get busi- Funding is given to re- to start collecting capital for itant, Phillips said. Women reached at 940-566-6889
ly all of her 80 engineers were ness ideas off the ground. A searchers at TWU who pro- new ventures early on in order are socialized differently than and via Twitter at
men. Tysinger was influential variety of workshops and duce findings the center can to not merely settle for a men, but we have to embrace @JennaFDuncan.
in developing confidential seminars help women and
software that would go on to anybody in the community get
win awards and help push hold of the ropes.
computer usage throughout
the entire military.
We look at what support
we can provide for the com- ALL Real Estate Professionals-check this out!
I broke through a lot of munity, being a university Dont wait! Google our Meetup, JOIN our FREE membership, & RSVP for Thursday, March 16th!
glass ceilings for women pret- here in Denton, Phillips said.
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ty quickly as a result of being Its a part of our role as stu- NETWORKING
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Tysinger said. nity, and we try to see where in Lewisville
Aspiring female entrepre- the gaps are to fill for women Have questions, just ask RUSS! AGENDA~
neurs in Denton can follow starting businesses. 817-800-7877(RUSS) 6:30pm Snacks & NETWORKING NO COST
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As the Center for Women
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the center is still in the bench-
7:00pm Invision Meeting Room;
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Annie Phillips, interim
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Biz on
the Wire
Cabelas axes
call center
SIDNEY, Neb. (AP)
Cabelas has laid off several
dozen people as part of the
outdoor gear sellers efforts to
reduce its expenses.
Cabelas spokesman Na-
than Borowski said Tuesday
the exact number of layoffs
will be determined after af-
fected workers decide whether
to apply for other jobs within
the company.
Cabelas plans to close its
call center in Sidney, Nebras-
ka, and consolidate operations
at its North Platte call center
within 30 days. CO

The other layoffs were at

Cabelas corporate headquar-
ters in Sidney.
Borowski says the layoffs
arent related to Bass Pros
pending $4.5 billion deal to
buy Cabelas.
8 MARCH 2017 D
BC Denton Record-Chronicle

Business Spotlight
To reach your savings goals, take these steps
By Lauren Schwahn | NerdWallet

Saving money is often

easier said than done, but it
doesnt have to be difficult.
Setting clear goals can moti-
vate you to take action, focus
on whats important and steer
clear of overspending.
Here are a few tips for how
to set your savings goals:

Map out your goals

Ask yourself, What do I
want to save for? Your goals
may be short-term, like buy-
ing a new TV or taking a trip
to Europe; long-term, like
purchasing a new home or
saving for retirement; or
somewhere in the middle, like
paying off your student loans.
When setting goals, factor
in needs like an emergency
fund in addition to the
things you want to save for.
Anna Sergunina, a certified
financial planner at Main-
Street Financial Planning,
recommends prioritizing your
emergency fund before other
goals; otherwise, you can
suffer a major setback if some-
thing unexpected comes up.
If there are no funds, thats Getty Images/Thinkstock
going to put a break into the If you want to reduce your spending in order to put even more money toward savings, identify your needs and wants.
whole system, she says.
After you identify and expenses. That way, youll penses, give the 50/30/20 Pick a time and place An easy way to contribute month, to periodically look
prioritize your savings goals, know where your money is budget calculator a try. Choose a deadline. You can to your savings goals with little over your financial activity.
you can start to make a cus- going, how much you have left stockpile your funds as that effort is to automate the pro- Review your income, expenses
tomized plan. and what amount is reason- Do your research date approaches. cess. Apps like Digit let you and how much youve saved so
able to set aside each month. Find out not only how Once you begin to cut back specify your goals and will far.
Assess your finances If you want to reduce your much you can save, but how on or restructure your expens- automatically transfer a cer- If youre not quite where
Take a good look at your spending in order to put even much you need to save. es, decide where to store the tain amount of your funds you want to be, dont get dis-
finances to see if your goals more money toward savings, For example, if your goal is money you save until you need into a special account. couraged. We all make mis-
are within reach. Calculate identify your needs and wants to vacation in Italy, research it. Consider putting it in a takes, Sergunina says. Life
your monthly income based and try to indulge in the the cost of plane tickets, a savings account or certificate Follow up happens. So as long as you
on your paycheck, Social Secu- wants less. Needs are things hotel stay and sightseeing. of deposit, preferably one that Reminding yourself to check in, pick yourself back up
rity benefits or any other mon- you must spend money on This will give you an estimate offers a competitive interest track your progress is an effec- and keep going, thats what
ey you receive. Then, check like food and housing and of the price tag and, therefore, rate, to keep it safe and help tive way to stay on top of your counts.
your transaction history on wants are the nonessentials your savings total. Expand reach your goals faster. It savings goals. Sergunina sug-
your banks website, or use an like entertainment and restau- your search to find the best might even be worth creating gests setting up a money LAUREN SCHWAHN is a
app, spreadsheet or simply a rant meals. If youre not sure discounts and savings meth- separate accounts for your date with yourself or your staff writer at NerdWallet, a
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Denton Record-Chronicle
Unemployment Update
Business Spotlight
Study: Despite positive economic numbers, student loan defaults rising
By Sarah Skidmore Sell | AP
The stock market is up,
unemployment is down but
things arent rosy for all Amer-
icans.
A new analysis of govern-
ment data by the Consumer
Federation of America found
that the number of Americans
in default on their student
loans jumped by nearly 17
percent last year.
As of the end of 2016, there
were 4.2 million Federal Di-
rect Loan borrowers in de-
fault, meaning theyve not
made a payment in more than
270 days. Thats up from 3.6
million at the end of 2015.
Despite all improvements
in the economy, student loan
borrowers are still struggling,
said Rohit Chopra, senior
fellow at the Consumer Feder-
ation of America and formerly
the Consumer Financial Pro-
tection Bureaus Student Loan
Ombudsman.
As of the end of 2016, 42.4
million Americans owed $1.3
trillion in federal student
loans, according to the U.S.
Department of Education
data. This doesnt include
borrowing through private
student loans, credit cards and
home equity loans to finance
the growing costs of college.
The Federal Reserve Sys-
tem puts the measure slightly
higher at $1.4 trillion, as it
includes private loans as well.
Defaulting on a federal
student loan can be a financial
disaster for the borrower.
Unlike other types of debts,
most federal student loans
cannot be discharged in bank-
ruptcy. Those who go into
default face serious repercus-
sions including wage garnish-
ment, damaged credit scores
and potentially added costs in
fees, interest and legal fees.
Student debt has risen
along with the cost of educa-
tion, which makes repayment
difficult. The average amount
owed per borrower rose to
$30,650 in 2016, after rising
steadily for years. In 2013,
borrowers on average owed
$26,300.
CUSTOM PILE DRIVING
Pipe Poles
Beam Crossties
Troy Grewing
940-902-1480
MARCH 2017 9
D
BC
National numbers
By Christopher S. Rugaber | AP
WASHINGTON Em-
ployers boosted hiring in 13
states in January, while employ-
ment changed little in 36 states.
The Labor Department
says Alaska is the only state to
show a significant decline in
jobs, shedding 2,100.
Nationwide, hiring picked
up in January as employers
added 238,000 jobs, a clear
improvement over last year's
average gains. A broad re-
bound in the global economy
and greater optimism among
U.S. businesses have spurred
more hiring.
More positive jobs data
came out Friday, when the
government reported hiring
and wage gains were healthy
in February, and the U.S.
unemployment rate slipped to
4.7 percent from 4.8 percent.
New Hampshire reported
the largest jobs gain among
the states on a percentage
basis, with a 1 percent in-
crease. The healthy increase
pushed the states unemploy-
ment rate to the lowest in the
nation, at 2.7 percent.
New Mexico has the na-
tions highest unemployment
rate, at 6.7 percent.
Texas unemployment rate
held steady in January at a
seasonally adjusted 4.8 per-
cent, the Texas Workforce
Commission reported Friday.
The good news is that the found Navient had the lowest In January, the Consumer them bad information, pro- own. Navient disputed the
number of people who are percentage of borrowers in Financial Protection Bureau cessing payments incorrectly charges.
defaulting for the first time is two income-based repayment sued Navient, accusing it of and failing to act on com- The USDE did not imme-
down. But the number of plans, which are designed to making it harder for borrow- plaints. Several states fol- diately respond to a request
people defaulting for the sec- help struggling borrowers. ers to repay loans by giving lowed with lawsuits of their for comment.
ond time or more is up. And
that worries the CFA, an asso-
ciation of more than 250
nonprofit consumer groups
We thought in an improv-
ing labor market, default rates
would improve but we simply
are not seeing that, Chopra
said.
Other reports have also
painted a bleak picture for
student loan borrowers in the
U.S.
The New York Federal
Reserve, which looks at slight-
ly different data, reported last
month that total household
debt in America in 2016 began
nearing its previous peak from
2008, driven largely by stu-
dent debt and auto debt.
It finds that student loan
defaults jumped sharply in
2012 and the default rate has
held fairly steady since. But
the New York Fed also warns
that the true number of peo-
ple unable to pay is much
higher because about half of
loans are in forebearance,
deferment or a grace period so
are not at risk of being in
default.
The CFA also said Tuesday
that the report validates some
of the recent claims made by
federal regulators that the
nations largest loan servicer
put borrowers at greater risk
for default by failing to help
them find the best repayment
plans for their needs.
The USDE contracts with
four major servicers to collect
payments owed the federal
government. Navient, for-
merly known as Sallie Mae, is
the largest of them. The report
DORANSKI AGENCY
Bill Doranski
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2000
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DENTON
2009
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10 MARCH 2017
Enterprising Voices
SBA assisting more female entrepreneurs
t was just 38 years ago
I when the U.S. Small Busi-
ness Administration be-
gan to dedicate resources and
services to improve and in-
crease female entrepreneurs,
who now lead some of Amer-
icas most powerful and lucra-
tive job-creating firms.
The SBA established the
Office of Womens Business
Ownership in response to a
1979 executive order signed
by President Jimmy Carter.
Prior to 1979, the term
woman entrepreneur was
rarely used. They called them
sidelines or part-time
projects.
Today, there are 9.8 million
Open/Closed
Jeff Woo
General manager Ben Cooper participates in a ribbon-cutting Thursday
at Movie Tavern.
Business Spotlight
BILLS | CONTINUED FROM PAGE 1
could save $50 billion a year
by haggling over their bills for
cellphone service, home secu-
rity, internet and pay televi-
sion. The company, like its
competitors BillFixers of
Nashville, Tennessee, and
BillCutterz of Corpus Christi,
offers to negotiate for consum-
ers in exchange for 40 percent
to 50 percent of the savings.
Some of the biggest savings
right now can be found in
cellphone plans as a price war
roils the industry, says BillFix-
ers founder Ben Kurland. A
lot of the cellphone providers
have introduced multiple
plans just this year, he says.
If you have a cell plan thats
more than six months old, you
may not be on the most effi-
cient plan for you anymore.
In addition to cellphone
plans, bill negotiators say the
following services often have
plenty of room for negotiation:
cable or satellite TV
satellite radio
landline phones
internet
alarm systems
storage units
bottled water delivery
gym memberships
What these bills have in
common is competition: In
most areas, theres another
provider that you can hire.
You also can opt out, at least
theoretically. Its typically
much harder to tell your elec-
tric company that you can do
without lights.
Most BillShark customers
would rather stick with the
service they have than deal
with the sometimes consider-
able hassles of changing pro-
viders, McKean says.
They dont want to rip out
their DVR, and they dont want
new equipment, and they dont
want to sit around [waiting to]
set up all this stuff, he says.
They just want a lower price.
Sometimes a competitors
deals are so much better that
its worth the switch, he says.
Thats particularly true for
cellphone providers, which are
paying customers early termi-
nation fees and offering other
bounties to switch.
Theyre all desperate to
steal each others clients,
Herbert AUSTIN |
COMMENTARY
woman-owned firms in the
United States that generate
$1.4 trillion in receipts. Thats
more than the annual GDP of
Russia, South Korea, Spain or
Mexico. Texas has the second-
highest number of woman-
Kurland says. Switching
providers a lot of times just
comes with an instant payoff,
and then over the long term,
as long as you switch smart,
youll find that you can save
money month after month.
Knowing you have that
kind of leverage can help you
negotiate better deals and save
money. Here are the steps:
Gather competitors
offers. These may be touted
on the providers websites, or
you may have to call and ask
what the best deals are for
new customers. Make sure
you nail down the details,
such as the speed of the inter-
net service and which televi-
sion channels are included.
Call your provider. Let the
telephone representative know,
right away, that youre thinking
of switching to a competitor or
canceling the service if you cant
get a better deal. That typically
means a transfer to the custom-
er retention department, which
often has more leeway to adjust
We are a full service law firm that provides quality
representation in the areas of Real Estate Title and Litigation,
Divorce, Child Custody & Support, Business Formation
& Litigation, Probate, Wills & Powers of Attorney,
Guardianship and Criminal Law.
If you are unsure whether we can help with your particular
problem please feel free to contact us for a free initial consultation.
Adams, Bennett, Duncan & Henley
2745 Wind River Ln Denton, Texas 76210
940-566-6221
DE-1596570-01 Fax 940-566-4977
D
owned firms with 866,700.
Their numbers continue to
grow.
In the Dallas-Fort Worth
District, which covers 72
counties, women were ap-
proved for SBA-backed loans
worth $321 million in fiscal
2016 an 86 percent in-
crease over the fiscal 2009
loan volume. Nearly 4,210
women were approved for a
total of $1.8 billion to start or
expand a business in the last
eight years.
In 2011, the Women-
Owned Small Business Fed-
eral Contract Program was
implemented to expand the
number of industries where
DUNCAN | CONTINUED FROM PAGE 1
All nine theaters are now
open, yall: The Movie Tavern
renovations are over! In addi-
tion to the new big, reclining
seats, theres also a new menu
for the dine-in theater.
Another season, another
ownership change for a Fry
Street-area bar. Local 109 is
open at 109 Ave. A, the former
home of Library Bar. The bar
is a modern cocktail lounge and
opened in late February.
Denton favorite West Oak
Coffee Bar has a little sister
now: Kimzeys Coffee in
Argyle. The whimsical exterior
has us thinking about Lord of
the Rings or a fairy tale, but
the quality of coffee is the
same. It opened March 6 at
the intersection of U.S. High-
way 377 at FM407 near
Earls 377 Pizza.
Liz Weston
your bill. Keep an open mind as
you talk; there are many ways
to cut the cost of cable, for
example, not just negotiating
the price.
Tell them what you
know. Companies have
caught on to empty threats to
cancel, Kurland says. But if
you call up and you say, Hey,
this is the other provider on
my street, and this is the new
price that theyre offering. I
know that your new customer
pricing is even lower than
that. Why dont we strike a
deal? Kurland says. Then
youre talking their language.
BC
WOSBs were able to com-
pete for federal contracts.
This program enables eco-
nomically disadvantaged
WOSBs to compete for con-
tracts that are set aside in
industries where woman-
owned small businesses are
underrepresented.
Since the WOSB program
was implemented, Dallas-Fort
Worth woman-owned firms
have been awarded $1.8 bil-
lion in federal contracts.
Business counseling and
training is a huge part of
growth. Through its Womens
Business Center Program,
established in 1988, the SBA
was able to serve 2.3 million
In the same complex, the
culinary team behind Barley &
Board is finalizing a new con-
cept: Bumbershoot Barbe-
cue. Bumbershoots barbecue
menu will include brisket
(smoked with hickory, then
pecan); pulled pork; St. Louis-
style ribs; roasted chicken and
turkey; and at least two variet-
ies of sausage. Its expected to
open by the end of the month.
Bonus round: More sushi
could be coming to downtown
Denton. Rick Villarreal, who
was the athletic director at the
University of North Texas for
15 years, just signed a lease to
open a sushi restaurant. The
spot is where Tea2Go used to
be: 321 W. Hickory St.
JENNA DUNCAN can be
reached at 940-566-6889
and via Twitter at
@JennaFDuncan.
Dont accept the first
offer. If Cant you do any
better than that? doesnt
produce a deeper discount, tell
them youll sleep on it. That
may produce another price
break, or you may get a differ-
ent agent the next day whos
more eager to deal.
Get clear on expiration
dates. Any discounts you
negotiate may expire in a few
months. To help you keep
getting the best deals, enter
the expiration dates on your
calendar with a reminder to
restart negotiations before
your bill jumps up again.
Think bigger. Monthly bills
such as mortgages and car
insurance arent negotiable in
the same way, but you can and
should revisit those rates at
least annually. The savings
could be bigger than all your
smaller bills put together.
LIZ WESTON is a certi-
fied financial planner and
columnist at NerdWallet, a
personal finance website.
Buying? Selling? Refinancing?
Knowledge Beyond the Boundary Line
Choose Experience - Call us today!
Rebecca Arnold
Legal Assistant/Escrow Officer
2745 Wind River Dr., Denton, TX 76210
Denton Record-Chronicle
women nationwide in the last
five years. These centers help
women entrepreneurs start
and grow successful busi-
nesses. Each provides training
in finance, management,
marketing and the internet,
while offering access to all of
the SBAs financial and pro-
curement assistance pro-
grams.
Entrepreneurship is not
just about making money,
but rather building societies
that value competition and
compassion. And the Dallas-
Fort Worth District office is
proud to serve the Denton
County small business com-
munity we are here to help
Chamber Roundup
Aubrey 380 Area
Chamber of Commerce
The directors, members,
volunteers and staff of the
Aubrey 380 Area Chamber of
Commerce are busy preparing
for Casino Night 2017, Bet
Your Bucks!, scheduled for 6
p.m. April 29 at Diamond T
Arena in Denton.
Event sponsors JP & Asso-
ciates Realtors, LIFE Credit
Union, PointBank, Raphaels
and Winterhavens Crowning
Touch invite you to join them
for a night of food, drinks,
casino-style games, music,
raffles and silent and live
auctions.
Raphaels Restaurante
Mexicano will provide a deli-
cious dinner buffet. Picture
This! Photo Booth Rentals
will be on hand to help com-
memorate your evening of
fun. Special guest DJ Manny
B of CountryNonStop.com
will have you scootin your
boots. And thats all in addi-
tion to an evening of profes-
sional casino gaming.
Sponsorships are still
available, starting at $150.
Tickets cost $20 in advance
and $25 at the door. For
more information on spon-
sorships or to purchase tick-
ets, visit www.aubreycoc.org
or call the chamber office at
940-365-9781.
We look forward to seeing
you Saturday, April 29 bet
your bucks youll have a great
time!
Lake Cities
Chamber of Commerce
The Lake Cities Chamber
of Commerce has had a busy
year already. We are growing
with several new members.
We held our annual awards
banquet Feb. 16 and recog-
nized Corinth Police Chief
Debra Walthall as our Mem-
ber of the Year and PointBank
as Business of the Year.
The Citizen of the Year
award was given to Mike
Drozd of Lakeview Marina.
We awarded college schol-
arships to Guyer High School
Branch Mgr/Escrow Officer
940-382-3030
reuniontitledenton.com
you start up, grow and suc-
ceed.
For more information on
assistance SBA provides wom-
en entrepreneurs, visit https://
www.sba.gov/starting-business/
how-start-business/
business-types/women-owned-
businesses. You also can contact
the Dallas-Fort Worth District
at 817-684-5000 for assistance.
HERBERT AUSTIN serves
as the U.S. Small Business
Administrations Dallas-Fort
Worth District director and
oversees the agencys pro-
grams and services in 72
Texas counties, including
Denton, Tarrant and Dallas.
seniors Riley Steward, Kyle
Anderson and Sarah Vetters.
We also celebrated ribbon-
cuttings with Everest Heating
and Cooling, Steves Wine Bar,
the Denton school district and
Beatitudes Tea Room. We
rode in the Lake Dallas Mardi
Gras Parade and read Dr.
Seuss books to students at
Hawk Elementary.
Our monthly luncheon will
be held Tuesday, March 21, at
Oakmont Country Club from
11:30 a.m. to 1 p.m., and all are
invited to attend. Our speaker
is from the Texas Department
of Transportation and will give
an update on all the construc-
tion along Interstate 35E. Our
sponsor for this luncheon is
Huffines Kia Subaru.
Pilot Point
Chamber of Commerce
The Pilot Point Chamber of
Commerce is hosting its
monthly luncheon Thursday,
March 16, at 11:30 a.m. at the
PointBank Community Cen-
ter, 730 E. Liberty St. in Pilot
Point.
Representatives from
Whistle Post Brewing Co.
will speak on their new
brewery. It was started in
June 2016 as a spinoff from
Western Son Distillery, also
located in Pilot Point. The
brewery recently started
bottling its brews and selling
them in the area.
The Pilot Point Economic
Development Corporation will
sponsor the meeting. Grace
Point Church will be the door
greeter, and Buffs will cater.
Sanger Area
Chamber of Commerce
This month, the Sanger
Area Chamber of Commerce
will merge its after-hours
mixer with a ribbon-cutting
for Sportsman Liquor.
The event at 499 W. Chap-
man Drive is scheduled to run
from 5 to 8 p.m. Friday,
March 17, with light refresh-
ments provided.
Sportsman Liquor is this
months mixer sponsor.
Michelle Neely
 MARCH 2017 11
Denton Record-Chronicle D
BC
Vital Statistics
MIXED BEVERAGE TAX
Frilly's, 1803 S. U.S. Highway 287, Decatur, $907.85 Lake Ray Roberts Area Elks Lodge, 1601 Marina Circle, On The Border, 2829 S. Interstate 35E, Denton, Sweetie Pie's Ribeyes, 201 W. Main St., Decatur,
Fry Street Public House, 125 Ave. A, Denton, $6,853.16 Sanger, $146.52 $2,388.41 $344.51
Fuzzy's Taco Shop, 109 N. State St., Decatur, $836.29 Lake Ray Roberts Area Elks Lodge, 1601 Marina Circle, Outback Steakhouse, 300 S. Interstate 35E, Denton, Sweetwater Grill & Tavern, 115 S. Elm St., Denton,
The following mixed beverage tax information was issued by the state comptrollers office for February. The list Fuzzy's Taco Shop, 115 Industrial St., Denton, $933.31 Sanger, $310.41 $1,752.92 $1,110.32
includes the name of the business, address and reported tax. Fuzzy's Taco Shop, 2412 S. Interstate 35E, Denton, Lantana Golf Club, 800 Golf Club Drive, Argyle, Parker Brothers Trail Dust, 1200 S. Stemmons St., Tex Tapas, 109 Industrial St., Denton, $991.73
$1,091.02 $1,219.46 Sanger, $557.84 Texas Roadhouse, 2817 S. Interstate 35E, Denton,
380 Bar and Grill, 26781 E. U.S. Highway 380, Little Cabana Beverages Inc., 2330 W. University Drive, Fuzzy's Taco Shop, 1004 Maple St., Suite 101, Sanger, Las Cabos Cantina, 4451 FM2181, Corinth, $96.74 Pedro's Tex Mex & Grill, 420 E. McKinney St., Suite $3,164.34
Elm, $3,072.21 Denton, $134.06 $229.67 Leeper Creek BBQ & Cantina Club, 3142 N. U.S. Highway 100, Denton, $0 The Abbey Inn Restaurant & Pub, 101 W. Hickory St.,
940s Kitchen & Cocktails, 219 W. Oak St., Denton, Casa Torres Mexican Restaurant, 2708 S. FM51, Fuzzys Taco Shop, 421 S. U.S. Highway 377, Argyle, 287, Decatur, $41.00 Pedro's Tex Mex & Grill, 209 S. Washington St., Pilot Denton, $2,995.83
$2,008.99 Decatur, $1,099.13 $669.06 Library Bar, 109 Ave. A, Denton, $1,038.03 Point, $429.26 The Abbey Inn Restaurant & Pub, 101 W. Hickory St.,
American Legion Post No. 550, 905 Foundation Drive, Caskey's Bar & Grill, 1206 W. Hickory St., Denton, Fuzzy's Taco Shop Cross Roads, 11450 U.S. Highway Lone Star Attitude Burger Co., 113 W. Hickory St., Pedro's Tex Mex & Grill, 209 S. Washington St., Pilot Denton, $2,830.08
Pilot Point, $971.03 $861.01 380, Suite 160, Cross Roads, $1,325.12 Denton, $5,245.63 Point, $491.44 The Aztec Club, 720 W. University Drive, Denton,
Andy's Bar and Grill, 122 N. Locust St., Denton, Chili's Grill & Bar, 600 S. U.S. Highway 287, Decatur, Gates Of Texas Argentina Caf, 1313 N. U.S. Highway Los Jalapenos Restaurant, 420 E. Eldorado Parkway, Pei Wei Fresh Kitchen, 1931 S. Loop 288, Suite 130, $1,133.10
$5,767.89 $2,889.10 377, Pilot Point, $52.66 Little Elm, $186.32 Denton, $64.38 The Backyard On Bell, 410 N. Bell Ave., Denton, $912.40
Angelina's Mexican Restaurant, 1400 N. Corinth St., Chili's Grill & Bar No. 1562, 2825 W. University Drive, Genti's Private Club Inc., 3700 FM2181, Hickory Creek, Lowbrows Beer and Wine Garden, 200 S. Washington Phil Miller Post No. 2205VFW, 909 Sunset St., Denton, The Bears Den, 11670 Massey Road, Pilot Point,
Suite 111, Corinth, $892.17 Denton, $2,620.77 $385.92 St., Pilot Point, $538.88 $1,562.44 $140.70
Applebee's Neighborhood Grill, 707 S. Interstate 35E, Chili's Grill& Bar, 2406 S. Interstate 35E, Denton, Good Eats No. 729, 5812 N. Interstate 35, Denton, $0 Lucky Lou's, 1207 W. Hickory St., Denton, $7,346.75 Phil Miller Post No. 2205 VFW, 909 Sunset St., Denton, The Clubhouse at Robson Ranch, 9428 Ed Robson Circle,
Denton, $2,884.88 $1,897.97 Hangout Bar & Dine, 827 Eagle Drive, Denton, $87.43 Luigi's Pizza Italian Restaurant, 2000 W. University $1,250.89 Denton, $59.56
Applebee's Neighborhood Grill, 2672 FM423, Little Elm, Chiloso Mexican Bistro, 2215 S. Loop 288, Suite 312, Hannahs, 111 W. Mulberry St., Denton, $3,148.73 Drive, Denton, $238.65 Pilot Point Columbus Club, 221 N. Prairie St., Pilot The Draft House Bar & Grill, 2700 E. Eldorado Parkway,
$1,785.01 Denton, $77.51 Harvest House, 331 E. Hickory St., Denton, $5,166.43 Mable Peabody's Beauty Parlor, 1125 E. University Point, $11.85 Suite 250, Little Elm, $2,040.15
Aramark Educational Services, 303 Administration Chipotle Mexican Grill, 1224 W. Hickory St., Denton, Hickory Street Lounge, 212 E. Hickory St., Denton, Drive, Suite 107, Denton, $1,350.98 Pizza Hut, 730 S. U.S. Highway 377, Pilot Point, $24.12 The Fry Street Tavern, 121 Ave. A, Denton, $4,185.89
Drive, Denton, $327.76 $35.30 $2,313.77 Mellow Mushroom, 217 E. Hickory St., Denton, Pollo Tropical Beverages LLC, 2220 S. Loop 288, The Garage, 113 Ave. A, Denton, $2,455.55
Ashton Gardens, 2001 Ashton Gardens Lane, Corinth, Chipotle Mexican Grill-Rayzor, 2735 W. University Hilton Garden Inn Denton, 3110 Colorado Blvd., Denton, $1,255.24 Denton, $0 The Green House, 600 N. Locust St., Denton, $1,277.02
$1,468.77 Drive, Suite 105, Denton, $19.56 $637.10 Meritt Ranch Beverages, 2946 W. Ganzar Road, Denton, Prairie House Restaurant, 10001 U.S. Highway 380, The Labb, 218 W. Oak St., Denton, $1,819.45
Azul Mexican Kitchen, 2831 W. Eldorado Parkway, Chuy's Denton, 3300 Wind River Lane, Denton, Hooligans LLC, 104 N. Locust St., Denton, $5,015.48 $167.56 Cross Roads, $1,174.30 The Loophole, 119 W. Hickory St., Denton, $3,401.59
Little Elm, $616.46 $4,296.44 Hooters, 985 N. Interstate 35E, Denton, $3,596.82 Metzler's Food and Beverage, 1251 S. Bonnie Brae St., Queenie's Steakhouse, 113 E. Hickory St., Denton, The Milestone, 1301 W. Sherman Drive, Aubrey,
B.P.O.E. Denton No. 2446, 228 E. Oak St., Denton, Cool Bean's, 1210 W. Hickory St., Denton, $3,376.86 Horny Toad Cafe & Bar, 5812 N. Interstate 35, Denton, Denton, $110.88 $1,347.30 $2,308.08
$996.69 Courtyard By Marriott, 2800 Colorado Blvd., Denton, $1,116.22 Mi Taza Latin Tex-Mex Caf, 5017 Teasley Lane, Suite Red Lobster No. 6349, 2801 S. Interstate 35E, Denton, Tokyo Samurai, 3600 E. FM407, Suite 100, Bartonville,
Barley & Board, 100 W. Oak St., Suite 160, Denton, $199.05 Horny Toad Cafe & Bar, 5812 N. Interstate 35, Denton, 101, Denton, $593.75 $1,100.27 $534.12
$5,202.14 Crossroads Bar, 1803 N. Elm St., Denton, $1,237.08 $1,153.94 Miguelito's, 1521 E. McCart St., Krum, $702.02 Riprock's, 1211 W. Hickory St., Denton, $3,797.02 Toms Daiquiri Place, 1212 W. Mulberry St., Denton,
Best Western Atrea Crown Chase, 2450 Brinker Road, Dani Rae's Gulf Coast Kitchen, 2303 S. Interstate 35E, Hula Hut Restaurant, 210 E. Eldorado Parkway, Little Miguelitos, 1412 N. Stemmons St., No. 178, Sanger, Rockin Rodeo, 1009 Ave. C, Denton, $3,138.68 $1,518.35
Denton, $345.18 Denton, $1,051.90 Elm, $1,864.07 $983.42 Rooster's Roadhouse, 113 Industrial St., Denton, Tower Tap House, 290 E. Eldorado Parkway, Little Elm,
BJ's Restaurant & Brewery, 3250 S. Interstate 35E, Dan's Silverleaf, 103 Industrial St., Denton, $2,318.40 II Charlies Bar & Grill, 809 Sunset St., Denton, Movie Tavern Denton 4, 916 W. University Drive, $2,230.02 $1,366.26
Denton, $4,459.38 Denton Country Club, 1213 Country Club Road, Argyle, $3,910.92 Denton, $2,560.20 Rooster's Roadhouse Decatur, 106 N. Trinity St., University Lanes, 1212 E. University Drive, Denton,
Black-Eyed Pea, 2420 S. Interstate 35E, Denton, $2,376.95 J R Pockets Club, 1127 Fort Worth Drive, Denton, Muddy Jake's Sports Grille, 222 W. Hickory St., Suite Decatur, $2,071.64 $1,014.51
$326.55 Drunken Donkey Bar & Grill, 3350 Unicorn Lake Blvd., $2,317.99 104, Denton, $0 Rosa's Cafe & Tortilla Factory, 1275 S. Loop 288, Verona Pizza Italian Restaurant, 201 Loop 81, Decatur,
Bone Daddys House Of Smoke, 3258 S. Interstate 35E, Denton, $5,453.73 Jem Beverage Company LLC, 217 W. Division St., Pilot Muddy Jake's Sports Grille, 222 W. Hickory St., Suite Denton, $135.34 $32.83
Denton, $1,879.88 Dusty's Bar & Grill & Marina, 119 S. Elm St., Denton, Point, $118.79 104, Denton, $0 RT's Neighborhood Bar, 1100 Dallas Drive, Suite 124, Villa Grande Mexican Restaurant, 12000 U.S. Highway
Bono's Chop House & Saloon, 2025 N. U.S. Highway $3,941.34 Johnny Carino's Italian, 1516 Centre Place Drive, Mulberry Street Cantina, 110 W. Mulberry St., Denton, Denton, $6,663.08 380, Suite 100, Cross Roads, $1,482.04
287, Decatur, $1,616.17 Earl's 377 Pizza, 427 S. U.S. Highway 377, Argyle, Denton, $672.94 $2,794.90 Rusty Taco Denton, 1 210 E. Hickory St., Denton, Villa Grande Mexican Restaurant, 2530 W. University
Boomerjack Wings No. 8, 407 W. University Drive, $1,260.00 Keiichi LLC, 500 N. Elm St., Denton, $332.25 Oak Street Drafthouse, 308 E. Oak St., Denton, $1,102.48 Drive, Suite 114, Denton, $1,380.53
Denton, $1,381.20 East Side Denton Oak Street, 117 E. Oak St., Denton, Kobe Sushi & Steak LLC, 2832 E. Eldorado Parkway $3,573.57 Savory Bistro & Gourmet To Go, 2650 E. FM407, Suite Vitty's Sports Bar, 1776 Teasley Lane, Suite 102,
Brunswick Zone Denton, 2200 San Jacinto Blvd., $10,372.27 Suite 208, Little Elm, $181.36 Oakmont Country Club, 1200 Clubhouse Drive, Corinth, 165, Bartonville, $1,452.42 Denton, $2,633.63
Denton, $1,559.02 El Fenix-Denton Texas, 2229 S. Interstate 35E, Denton, Komodo Loco, 109 Oakland St., Denton, $1,075.14 $1,687.39 Shots and Crafts LLC, 103 Ave. A, Denton, $1,652.42 Vizcarra, 114 W. Congress St., Denton, $98.55
Buffalo Wild Wings Grill & Bar, 1400 S. Loop 288, Suite $595.16 La Milpa Mexican Restaurant, 820 S. Interstate 35E, Olive Garden of Texas No. 1611, 2809 S. Interstate 35E, Springhill Suites By Marriott, 1434 Centre Place Drive, Wildhorse Grill, 9440 Ed Robson Circle, Denton,
110, Denton, $3,395.22 End Zone Little Elm Inc., 2833 Eldorado Parkway, Suite Unit 1, Denton, $680.51 Denton, $1,482.37 Denton, $131.92 $2,502.11
Buff's Grill, 400 S. U.S. Highway 377, Pilot Point, 301, Little Elm, $3,408.29 La Milpa Mexican Restaurant, 820 S. Interstate 35E, Ollimac Company, 1400 Corinth Bend, Suite 103, Starbucks No. 6698, 4600 Swisher Road, Hickory Creek, Wing Daddy's Sauce House, 2763 E. Eldorado Parkway,
$513.55 Ernesto's Mexican Restaurant, 10279 E. FM455, Suite 1, Unit 1, Denton, $1,247.47 Corinth, $544.04 $0.33 Suite 105, Little Elm, $2,500.97
Pilot Point, $1,943.73 Wing Town, 4271 FM2181, No. C316, Corinth, $0

LIENS SALES TAX

Kimberly J. Elliott, Kimmie Made, 3648 Fairview Drive,
Corinth
Ronald E. McNair Elementary PTA, Ronald E. McNair
The following liens were posted in February at the Denton County Clerks office. The following sales permits were issued by the state comptrollers office for February. The list includes the owner, PTA, 1212 Hickory Creek Road, Denton
name of business and address within ZIP codes 75034, 75065, 75068, 76201, 76205, 76207, 76208, 76209, 76210, Texas Diesel.Com LLC, Texas Diesel.Com LLC, 1801
76226, 76227, 76234, 76249, 76259 and 76266. Cordero Court, Denton
Tonya Lanee Ward, Magic and Dreams, 3901 Centenary
STATE TAX LIENS 75034 Jenna M. Elsik, D. Bar E. Studio, 1803 Wisteria St.,
Drive, Denton
NAME/ADDRESS TYPE AMOUNT REC. DATE
Elevated Roofing LLC, Elevated Roofing LLC, 15222 King Denton 76226
Mazico Electric and Construction LLC, 2713 Clubhouse Drive, Denton Limited sales excise and use tax $1,087.71 2/17/2017
Road, Suite 402, Little Elm Justin Paul Wright, Wright Way Landscaping, 1200 Dawnelle Darlene Thompson, Dawnelle Thompson
Magdiel Sagastume, My Appliances, 1954 Bishop, Little Dallas Drive, Apt. 523, Denton Design, 407 Goodnight Trail, Argyle
Kristina Lee Reca, 1451 Centre Place Drive, Denton Heather M. Shimala, Shimala Exterior Group, 2650 E.
RELEASE OF STATE TAX LIENS Elm
Portaboards Enterprises LLC, Portaboards Enterprises FM407, Suite 144, Bartonville
NAME/ADDRESS TYPE AMOUNT REC. DATE 75065 LLC, 312 Dallas Drive, Suite 101, Denton Icedust Books LLC, Icedust, 2650 E. FM407, Suite 145,
Ace Tech Motors Inc., 3232 N. Locust St., Apt. 1321, Denton Limited sales excise and use tax $1,718.55 2/15/2017 Derrick Naidoo, Nerds Sales Services and Support, 102 Steven G. Eagle, Remember Simple Pleasures, 40 Bartonville
Gaws Pizza LLC, 2327 Bolivar St., Denton Limited sales excise and use tax $1,630.24 2/27/2017 Woodridge Road, Hickory Creek Rolling Hills Circle, Denton Jason Glenn Thompson, Cobotiq, 1413 7th St., Argyle
Venture Equine Solutions LLC, Venture Equine Mckoy Land Surveys Inc., Mckoy Land Surveys Inc.,
Solutions LLC, 139 S. Hook St., Hickory Creek 76207 9321 Athens Drive, Denton
FEDERAL TAX LIENS 75068
Eym Diner of DFW, LLC Denny's No. 8190, 4007 N.
Interstate 35, Denton
Peter B. Keck, Choose To Be A Warrior, 4087 Thousand
Oaks Drive, Argyle
NAME/ADDRESS TYPE AMOUNT REC. DATE Carry Brown, Carrie's Boutique, 1453 Whitewater Drive, James M. Fraley, Frack Bargain Sales, 3232 N. Locust Tribute Tactical LLC, Tribute Tactical, 6050 FM1830, Argyle
Steven L. and Leslie A. Rico, 6204 Highfield Park, Denton 1040 $3,530.65 2/1/2017 Little Elm St., Apt. 725, Denton
Integrated Pain Relief 941 $2,108.22 2/7/2017 Cynthia L. Palmeri, Crate Envy, 2112 Scott Creek Drive, Marklyn Jet Parts LLC, Marklyn Jet Parts LLC, 5040 76227
AER Inc., 2436 S. Interstate 35E, Suite 346, Denton 941 $28,116.80 2/7/2017 Little Elm Warbird Drive, Suite 2, Denton North Texas Wings LLC, Wingstop, 11750 U.S. Highway
C-Store Products Inc., 6603 Smoketree Trail, Denton 940 $1,648.17 2/27/2017 Jessica San Miguel, Taylor Blossom Boutique, 1220 Marklyn Jet Parts LLC, Marklyn Jet Parts LLC, 5040 380, Suite 280, Cross Roads
Wheatear Drive, Little Elm Warbird Drive, Suite 3, Denton Conor Thomas Dwyer, Mr. Dwyer Cattle Co. LLC, 262
Lacey Nalley, Lacey Nalley, 2220 White Oak Drive, Private Road 4462, Decatur
Little Elm 76208
Matthew Jeannet, Matts Merchandise, 1433 Brandy- Deborah Henkes, Santa's Secret Shop, 409 Lakeview 76234
wine Lane, Little Elm Blvd, Denton Deborah K. Reynolds, Dedikated Resource, 1713 County

BUILDING PERMITS
The following building permits were issued by the Denton Planning and Development department in February. Commercial alterations and commercial permits reflect the owner
Melissa Diana Aviles, Pure Romance By Melissa, 173
Cottonwood Lane, Little Elm
Stephanie Wood and Jymi Bernard, SJ Designs, 1104
Denton Biofuels LLC, Denton Biofuels LLC, 1527 S.
Mayhill Road, No. 200, Denton
Jennifer R. Null, Jennifer Null, 6303 W. Shady Shores
Road 4280, Decatur
Eagle Auto Body Of Decatur, LLC Eagle Auto Body 2618
S. U.S. Highway 287, Decatur
or tenant and the address of the business. Villa Paloma Blvd., Little Elm Road, Apt. 132, Denton Flintstone Enterprises Inc., Flintstone Enterprises Inc.,
Mactracks LLC, Mactracks LLC, 3305 S. Mayhill Road, 2398 County Road 2360, Decatur
76201 Suite 109, Denton Little Frilly's Tex-Mex LLC, Little Frilly's Tex-Mex LLC,
CERTIFICATES OF OCCUPATION Design Classics, 3604 Bentley Court 3904 Roxbury St. Baxter International Inc., Baxter International Inc., 909 Marisol Granados, Rodriguez Mayhill Taqueria, 3922 E. 1816 S. FM51, Suite 900, Decatur
Auto Towing Dallas LLC, 2810 N. Elm St. 1908 Pavilion Lane Ave. C, Suite C, Denton McKinney St., Denton Sara Nicklaus-Ratliff, Hello Jolie, 4480 E. U.S. Highway
Woodrow Morse Properties, 820 S. Woodrow Lane DR Horton Texas LTD 1917 Sapphire St. Debbie K. White, Over The Hill Collectibles, 118 N. 380, Decatur
Frontrie Communications, 309 W. Oak St. 3809 Crosstrees Drive 4208 Fanita Place Locust St., Denton 76209 Shalyn Champagne, Champagne Taste, 5352 N. FM51,
W&W Commercial Real, 102 Maple St., No. 102 3901 Cuddy Drive 1913 Hollister Lane Ik Boon Eum, Donut Company, 830 W. University Drive, Denton Together LLC, Denton Together, 226 Bluebird Decatur
Kukahi Corporate Solutions, 627 S. Mayhill Road, No. 4008 Ranchman Blvd. 3921 Roxbury St. Denton Circle, Denton Shirley S. Wood, The Gift Shop, 1650 S. FM51, Suite
109 4012 Ranchman Blvd. 1913 Nob Hill Court In-N-Out Burgers Inc., In-N-Out Burgers, 322 2835 W. Mae Beth Works, Julies Jumpers Party Supplies and 400, Decatur
Perfect Season Properties, 1205 Bent Oaks Court, No. 4016 Ranchman Blvd. 1909 Nob Hill Court University Drive, Denton Rentals, 2703 Woodhaven St., Denton Wise County Winsupply Plumbing Co., Wise County
105 4020 Ranchman Blvd. 4127 Boxwood Drive Jennifer Lynn Matthew, Downtown Mini Mall Indoor Rachel Elizabeth Nokes, Peachtree Lane, 3213 Bob O Winsupply Plumbing Co., 300 N. Stratton St., Decatur
Russell E. Kulle, 515 N. Interstate 35E 3601 Helm Lane Flea Market, 118 N. Locust St., Denton Link Lane, Denton
James Richard Denham, 3745 Mingo Road, No. 504 4000 Crosstrees Drive Megatel Homes Inc.
Jpmk Investment LLC, Donut Inn, 830 W. University Roger Duane Davis Jr., Davis Construction, 1508 E. 76249
MJ Sings Inc., 723 S. Woodrow Lane 3901 Crosstrees Drive 4221 Roxbury St.
Drive, Denton McKinney St., Denton Carrie Straka, Red Velvet Quilts, 1627 Kawati Way, Krum
Kerala Holdings LLC, 3350 Unicorn Lake Blvd. 3908 Crosstrees Drive 4008 Hialeah Drive
Keep Exploring LLC, Keep Exploring LLC, 810 W. Taqueria Monterrey LLC, Taqueria Monterrey, 111 E. Dragon Spur Holdco LLC, Dragon Spur Holdco, 11153
Columbia Medical Center, 3535 S. Interstate 35E 4217 Roxbury St.
Congress St., Denton University Drive, Suite 102, Denton Jackson Road, Krum
Dotson Properties LLC, 607 S. Locust St., No. 102 Forestar Real Estate
Onyx Builders LLC, 4017 Winston Drive Lora E. O'Shaughnessy, Egan Street Design, 1330 Egan Personalized Attitude LLC, Personalized Attitude LLC,
Jane and Mike Boyle, 1920 S. Locust St., Suite 100 7920 Hudson Bay Lane 76210
St., Denton 6486 FM2450, Krum
Gabriel Cortez, 5017 Teasley Lane, No. 129 3116 Lakeview Blvd. Courtney Nicole Brown, The Ombre Cactus, 2408 Tahoe
Red Gable Homes LLC Randal W. Brittain, Lara Enterprises, 425 Oakhill Drive,
3104 Lakeview Blvd. Lane, Denton 76259
2301 Chebi Lane Denton
COMMERCIAL ALTERATION 3012 Lakeview Blvd. Crystal & Sage LLC, Crystal & Sage, 2226 Yellowstone Ponder Social Club, Ponder Social Club, 309 N. FM156,
2317 Paxton Way Roberta A Halden, Mini Mall II, 816 N. Locust St., Denton
City of Denton, 804 Texas St. 3204 Lakeview Blvd. Lane, Corinth Ponder
2301 Paxton Way Sharon E. Nichols, Paper Wings Boutique Events, 714
Kian Motors inc., 831 E. McKinney St. 3120 Lakeview Blvd. Datcu, Datcu, 3005 FM2181, Corinth
W. Hickory St., Apt. 1, Denton
Walters Wedding Estates, 421 E. Oak St. 7913 Hudson Bay Lane Dorinda Mikelle Patterson, Texas Barn Girls, 2016 76266
3129 Dawn Oaks Drive Robson Denton Dev. LP
Luxary Nail Bar, 2219 S. Loop 288, No. 108 76205 Postwood Court, Corinth Caroline B. Price, Caroline Price Photography, 2514
8100 Sanderling Drive
Outback Steakhouse, 300 S. Interstate 35E Aero Opco LLC, Aeropostale Golden Triangle Mall, 2201 Duane Ragas, Your Sweet Cakes & More ..., 1520 Caddo Trail, Sanger
Gehan Homes, 6521 Roaring Creek 9600 Rivercrest Drive
Carter Blood Care, 2215 S. Loop 288, No. 335 S. Interstate 35E, Spc. L09A, Denton Mosscreek Drive, Denton Cindy R. Vasquez, Studio V., 8195 Bernard Road, Sanger
8217 American Way
Studio 6 Denton, 700 Fort Worth Drive Gedc Of Texas LLC, Great Expressions Lillian Miller, Eym Diner Of DFW LLC, Denny's No. 8864, 8000 S. Donna Mason, GDS, 11300 Lakecrest Drive, Sanger
History Maker Homes 11820 Willet Way
Captiva Salon, 204 W. Oak St., Denton 2430 S. Interstate 35E, Suite 210, Denton Interstate 35E, Corinth Four Leaf Trading Company LLC, Four Leaf Trading
5717 Del Rey Drive 11900 Willet Way
Pennys Playtown, 5800 N. Interstate 35, No. 402 Great Expressions Dental Centers Of Texas LLC, Great Inx LLC, Inx LLC, 3512 Saint Johns Drive, Denton Company LLC, 6662 Indian Trail, Sanger
5713 Del Rey Drive 9908 Lindenwood Trail
Fama Beauty Salon, 500 N. Bell Ave., No. 109 Expressions Lillian Miller, 2430 S. Interstate 35E, Suite Just Bassin LLC, Just Bassin LLC, 1511 Oceano Drive, Jose De La Cruz, Rodriguez Fast Electric, 8025 Jane
5705 Del Rey Circle 12001 Brant Way
Brad Hardy, 2434 S. Interstate 35E, No. 100 210, Denton Corinth Long Road, Sanger
3812 Juniperio St. 10312 Lindenwood Trail
Red Horse Motorsports, 3825 Market St.
3713 Juniperio St. 8212 American Way
Renal Venture, 4309 Mesa Drive
5701 Del Rey Circle 12105 Willet Way
COMMERCIAL 3808 Juniperio St. 8213 American Way
Loves Travel Stops, 6421 N. Interstate 35 5608 Dolores 11928 Brant Way
Bloomfield Plumbing LLC, 9101 John Paine Road 5612 Dolores 11928 Willet Way
3417 San Lucas Lane 9608 Rivercrest Drive

OC Mobile
City of Denton, 1150 S. Locust St.
Huffman Builders, 3303 Unicorn Lake Blvd. 9905 Orangewood Trail
Innovation Builders 12100 Willet Way
Terry People Solutions, 3105 Unicorn Lake Blvd.
4909 Brookside 8200 Willet Way
RESIDENTIAL 4905 Brookside 12016 Brant Way
Araf Inc., 5813 New Ballinger Drive 11920 Cinnamon Drive

Country Lakes West LLC

6216 Meandering Creek Drive
Lennar Homes
1905 Nob Hill Court
1908 Hollister Lane
11828 Willet Way
12013 Brant Way
11709 Cinnamon Drive
Welding & Fabrication Services
6401 Meandering Creek Drive
6416 Meandering Creek Drive
4109 Roxbury St.
4001 Hialeah Drive
9805 Ironwood Drive
11805 Cinnamon Drive
Your Location or Ours!
6113 Roaring Creek 1904 Hollister Lane
6412 Meandering Creek Drive 4105 Roxbury St. Scott Homebuilders, 5009 Thistle Hill
6204 Roaring Creek Repairs Residential
Commercial Industrial
New Fabrication
ASSUMED NAMES
The following names (followed by DBA and address) were posted in February at the Denton County Clerks office.

(972) 510-4294
NAME DBA/ADDRESS NAME DBA/ADDRESS NAME DBA/ADDRESS

Brittannie Marion, Eagleton Photography, 721 S. Elm Jared Janacek, TXDRONECO, 3604 Big Horn Trail, Lindsey Lott, Emerson Lane, 1207 Stanley St., Denton JS JS
St., Suite 101, Denton Denton Reyna Jaramillo, Interior Cleaning, 9100 Teasley Lane,
Cristie French and Jennifer Horler, Jenn and Christie Jeffrey C. Smith, Red Rock Sales, 612 E. McKinney St., Denton
LuLaRoe, 7530 Barthold Road, Denton Denton Robert J. Gray, Bobs Classic Cars, 2013 Marshall Road,

Digital Copy Center Offset Printing

Dallas County Hospital District, Denton Rehabilitation John Potess, The Podcast Creative, 501 W. Parkway St.,
and Nursing Center Denton
Danny H. Cogdill, D&D Cattle Company, 613 Chisholm Jose Carrillo, JCs Lawn Service, 6109 Countless Lane, Drive, Suite 102, Denton
Trail, Denton Denton
Denver Benedict, Hockey Stick Technologies, 7513 Juan Pablo Villarroel, Karate-Do of Denton, 416 S. Elm
Stream Road, Denton St., Denton
Jaqueline Morgan, Swine Solutions, 704 Windfields, Kathryn Kerekes, Whimsy You, 111 E. University Drive,
Denton Suite 105-212, Denton
Landon Hunt, Prosperity Inc., 2517 Chaparral Court,
Denton
Denton
Robert Von Preston, Air Solutions, 1705 W. University
Salvador Rios Jr., Nifty Walls, 1023 S. Welch St.,
Denton
Susan Depauw, Outfront Graphic Apparel, 3800 Lake
Country Drive, Denton
Tanya Franklin, Aria 51 All Purpose Bunnies and Animal
Farm, 2202 Fowler Drive

Direct Mail Merge Full In-House Bindery

We are a Dave Ramsey

Graphic Design Services Signs and Banners

SmartVestor Pro
2412 Old North Road, Suite 103
Denton, TX 76209

Global
Gl bl
940.566.1212 DIRECT
mike@stockerwoods.com
www.stockerwoods.com

Mike Woods, CFP

940 648 3581 x401 kelly.worthington@globalimpressions.com
President & CEO / Wealth Advisor

WERE HERE TO SERVE YOUR FINANCIAL NEEDS!

IMPRESSIONS
globalimpressions.com 9750 Industrial Rd Justin, TX 76247
Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer. Member FINRA/SIPC.
Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Invest-
ment Advisor.Cambridge and SWF are not affiliated. Best of Denton award results are based on a general
reader poll and do not reflect investment performance or client experience.
BO
12 MARCH 2017 D
BC Denton Record-Chronicle

CHAMBER SPOTLIGHT
#DentonMeansBusiness

UPCOMING EVENTS WHATS NEW?

The Winner will be announced
only at the banquet

RIBBON CUTTING

Trendsetters
Beauty Supply
February 13, 2017

Movie Tavern
March 9, 2017

DENTON COUNTY DAYS IN AUSTIN

NEW MEMBERS
Home Team of North Texas
Brokered by Real T Team
1400 Dallas Drive, Denton
hometeamofnorthtexas.com
Apex Air and Heat
2101 Colorado Blvd. Unit 50002, Denton
apexairandheat.com
Alliance Air Charter
4933 Sabre Lane, Denton
allianceaircharter.com
Absolute Heat & Air
2106 E Highway 82, Gainesville
ahahvac.com FEBRUARY MEMBERSHIP MIXER
Heaven At Home
623 Londonderry Lane, Denton
heavenathomecare.com
Reinecke Design, LLc
203 Comanche Trail, Krum
reineckedesign.com

Interested in Membership? Call 940.382.9693

414 W. Parkway
Denton, TX 76201
940.382.9693
Denton-chamber.org

In Denton!
Americas Drive-In

Daily
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2pm - 4

#"$,! #&(/' +!! ) *-%.'/

2450 Brinker Road Denton Crossroads Paloma Creek
(940) 387-1000
bwdenton.com Aubrey Pilot Point Sanger Krum
/()*%'( #% 0-( !$('+($ "+&(,. www.sonicdrivein.com/denton