DENTON
January 2018
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Banking on Bitcoin
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Locals offer perspectives on headline-grabbing cryptocurrencies By Kyle Martin
I
f you’re just now hearing of cryptocurrency and you are thinking about how to invest your money, you’ve got some catching up to do. But fret not. Because if you’re a coffee drinker, or like chips and salsa, you need little more than a few nearly microscopic fractions of digital currency to buy a pound or two locally from an online business in Denton; moreover, you can more or less choose one of the major digital currencies to do it. In fact, Andrew Hime, who operates as owner of online market CryptoMercado.com under the moniker “El Jefe,” says he often facilitates someone’s first-ever trial transaction using the online monies known as cryptocurrencies. “I hated the perception at the time that this was only for illegal purposes,” Hime said. For those new to the world of cryptocurrency, there are some things you’ll need to understand to make sense of the paragraphs above. To begin: Cryptocurrencies (e.g. Bitcoin, Litecoin, Dogecoin, Ethereum — just to name a few), are
online and digitally archived monies, otherwise called coins, that hold a specific monetary value that changes often, similar to that of a share of stock. The currencies hold a store of value, and can be exchanged for goods, services or anything the virtual world has to offer. A negative connotation surrounds cryptocurrency, as it has a tainted history involving online purchases of drugs, pornography, illegal services and more via an underground online black market called the Silk Road that was shut down by the feds in 2013. The first cryptocurrency that made it to a major market was Bitcoin, developed by an entity called Satoshi Nakamoto. Legend has it that Nakamoto may not actually exist, and a true identity of the person (or people) has yet to be found out. BITCOIN | CONTINUED ON PAGE 2
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Andrew Hime of Denton is the owner of online market CryptoMercado.com. Hime has been an investor in cryptocurrencies since 2010, and he accepts about 20 different forms of the virtual money.
Three money resolutions worth getting right in 2018 By NerdWallet
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Another new year, another chance for well-intentioned resolutions to start with a bang and fizzle out. But unlike failing to drop those last five pounds, falling short on financial goals you’re banking on in 2018 could cost you for years to come. Generally, attainable goals follow the SMART approach: They’re specific, measurable, achievable, realistic and time-based. But that doesn’t mean attainable goals are all easy. A recent study indicates certain money
goals that fit these criteria can remain challenging for some who are striving toward them. Here are some 2017 financial resolutions that proved hardest to hit, with reported achievement rates, according to NerdWallet’s 2018 New Year Money Report. ■ Americans who intended to stick to a monthly budget: 52 percent achieved. ■ Those who planned to save for an emergency fund: 42 percent achieved. ■ Those who planned to save for
a home down payment: 28 percent achieved. “Setting big goals is admirable, but if they are too big a leap from your current financial status, you could be setting yourself up for disappointment,” says Kimberly Palmer, personal finance expert for NerdWallet. “You can make them more achievable by breaking bigger goals into smaller ones.” Achieving any one of these three money goals can bring you closer to
GOALS | CONTINUED ON PAGE 4
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Enterprising Voices
State of the city event set Feb. 15 F
Bitcoin and Ethereum ATMs are pictured in Hong Kong last month. BITCOIN | CONTINUED FROM PAGE 1
Throughout the years, cryptocurrency marketplaces have seen bubbles pop, similar to the housing market crash of 2008 (such as the Silk Road shutdown, and the 2014 bankruptcy of Mt. Gox, a Tokyobased cryptocurrency exchange company that reportedly controlled 80 percent of the world’s bitcoin trades), as well as major market highs, with Bitcoin and other currencies recently gaining again in popularity and investments, according to several media outlets. There are numerous cryptocurrencies, and new ones pop up often. One Bitcoin as of Friday evening was hovering around almost $17,000 cash value. The virtual currency platforms are known for their high-risk, high-reward nature, and people can lose money just as quickly as they gain it. Cryptocurrencies are often held in digital “wallets,” and some, without proper protections, may be subject to hacking and theft. To put into perspective how volatile this form currency is, over one day, the following headlines were among the first to pop up after a “Bitcoin” Google search Friday afternoon: “Ex-Iced Tea Maker Long Blockchain Is Buying Bitcoin Miners Now,” from CoinDesk.com, an independent online publication that keeps up with cryptocurrency happenings; “Five predictions for digital currencies in 2018 — including stomachchurning drops, bitcoin-related IPO,” from CNBC; and “China’s Crackdown on Crypto-Mining Threatens Bitcoin’s Future,” from Gizmodo. As far as anyone in the cryptocurrency markets is concerned, the marketplace changes faster than overnight. It changes by the hour. “The stuff is only worth what it’s worth at the time,” said Hime, who’s been an investor in cryptocurrencies since 2010, when the market was beginning its first surge in popularity. “Most of the time, I treat it like a video game where I’m trying to get a high score,” he said. Hime says that presently he’s using virtual currencies on a “love of the game” sort of basis — a game he’s playing “very long term,” he said. He enjoys the implications of a virtual economic system, and he accepts about 20 different forms of the virtual monies, as well as real money like U.S. dollars, in exchange for his products — things like Cafe Brazil coffee, Hell on the Red salsa, and Mistress Karli-
AP file photo
A Tibetan man poses with his shelves of Bitcoin mining computers in Sichuan province, China. Bitcoins are released during the mining process, and miners are paid for their services. ta’s Spanking Rub from Big Fatty’s Spanking Shack in Denton. “I don’t have a huge profit margin on these items,” Hime said, adding that he mostly just sells in the United States because shipping mathematics are a hassle as the sole owner and operator of his online market. “I do very much believe that this is the future of money,” Hime said. “It’s like the internet before 1994. It’s just the new phase of that.” So he continues the online market, accepting virtual monies and making shipments and stock purchases after work at his day job, because he enjoys the space in which he operates where all forms of communication need only happen digitally. Bitcoin operates using a digital archiving system known as a blockchain, which is an encrypted public data-
base that archives every digital transaction ever made using the virtual currency. Each transaction is encrypted, anonymous and can be done anywhere in the world. “I’ve kind of moved on to other currencies, currently,” Hime said, but recalled a day last year when he checked the market value of one of his cryptocurrencies. “When I looked up how many I had, I realized I was making $15,000 before I went to work that day,” he said. Very few businesses in Denton accept the digital currencies as payment — if any at all. But at one point in 2014, there was a Bitcoin ATM at a business — Geek on Wheels, now Techvera — where interested investors could deposit cash into a machine and receive Bitcoins. It hasn’t been there for a couple of years now. “The ATM was really just
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COMMENTARY
programs. City Council members plan to attend the event, and attendees can speak with them directly and ask questions. At 7 p.m., Mayor Chris Watts will give a formal presentation about Denton’s growth and development, capital improvements and citywide accomplishments and goals. A question-andanswer session will follow the presentation. I encourage members of the business community to join the city’s elected officials and staff for this informative event. For more information, contact Jessica Rogers at 940-349-7531 or jessica.rogers@cityofdenton.com. L. CAROLINE BOOTH is the director of economic development for the city of Denton. Contact her at 940349-7751 or caroline.booth@ cityofdenton.com.
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there for people to buy into Bitcoin,” said Tyler Skiles, chief operating officer at Techvera. “The need to have it here kind of disappeared.” He said the demand for the ATM was higher when folks around town were getting into “mining” for Bitcoin. Geek on Wheels even did mining — the process of verifying transactions via the blockchain system. Bitcoins are released during the process, and miners are paid for their services. Geek on Wheels allocated special graphics cards and computer systems to mine the Bitcoin, but since sold off the mining rigs and changed business models to focus more on commercial clients with special IT and business needs. “I think the biggest reason we changed is because our clientele changed,” Skiles said. When the company had the ATM, it was a different type of business. It had a local area network where gamers would go to play on public computers — and exchange Bitcoins for services. Now, the closest places to find a cryptocurrency ATM are in Dallas and Fort Worth. Given the implications of the digital market, that isn’t necessarily an issue. With the right computing power, or with the right exchange service, people can just access the internet and invest in some cryptocurrency on their own. Denton resident Marshall Williams, like Hime, is in it for the long haul. He said his first purchase with Bitcoin, as a safety measure to protect against hackers, was a Cryptosteel, which is a specially designed “cold-storage” wallet to hold cryptocurrency. “It’s more about a store of value than anything,” Williams said of his virtual money. “I would compare it to something like gold.”
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olks in Denton’s business community make it a point to stay up to date on how our city is growing and changing. Informed business owners and managers use this knowledge to understand local markets, serve customers and plan for the future. What’s more, our local business people know the value of networking and establishing personal relationships across the community. The city of Denton is hosting its second annual “state of the city” event from 6 to 8:30 p.m. Thursday, Feb. 15. The event offers an excellent opportunity for the business community to learn about the city’s current projects, new initiatives and top priorities and to meet elected city officials and key city staff members. The event will be held at the Embassy Suites by Hilton Denton Convention Center, 3100 Town Center Trail at Rayzor Ranch Town Center. The event will kick off at 6 p.m. with an engagement fair featuring booths from 15 to 20 city departments, including customer service, utilities, fire, police, sustainability, capital projects and economic development. Staff will be on hand until 8:30 p.m. to answer questions and provide information about projects and
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Enterprising Voices
Texas Timeshare Act governs vacation spots T
imeshares have been and continue to be a popular method to secure affordable vacation destinations. For timeshare properties located in or offered for sale in Texas, Texas Property Code Chapter 221, also known as the Texas Timeshare Act, governs and regulates timeshare interests. “Timeshare interests” comprise estates, properties and uses. A “timeshare estate” is any arrangement under which the purchaser receives a right to occupy a timeshare property along with an interest in real property. A “timeshare property” is one or more accommodations and any related amenities that are subject to the same timeshare instrument, and any other property rights that may coexist. An “accommodation” includes apartments, condominiums, cooperative units, hotel or motel rooms, cabins, lodges or other private or commercial dwellings attached to real property. An “amenity” includes any common areas, recreational facilities or other common components of timeshare property. A “timeshare use” is any arrangement that allows the purchaser the right to use timeshare property but does not grant any other interest in such property. It must be noted that any timeshare interest located outside of Texas is not subject to the TTA’s provisions relating to the creation of the timeshare regime (Subchapter B) and the rules relating to a timeshare owners association (Subchapter I). So long as out-of-state timeshare interests are offered for sale in Texas, the provisions of the TTA relating to registration (Subchapter C), disclosures and advertisements (Subchapter D), cancellation and rescission rights (Subchapter E), exchange programs (Subchapter F), escrow deposits (Subchapter G), deceptive trade practices (Subchapter H) and the transfer or termination of timeshare interests (Subchapter J), will apply. Only timeshare properties in existence on or after Aug. 26, 1985, are subject to the TTA. There are certain types of offerings and dispositions that are exempt from the TTA. If a timeshare property is subject to the TTA, a person may not offer or dispose of a timeshare interest unless a timeshare plan is registered with the Texas Real Estate Commission. “Offer” means any advertisement, inducement, solicitation or encouragement to attempt to cause a purchase of a timeshare interest. “Dispose” means a voluntary transfer of any legal or equitable timeshare interest. Offering or disposing of a timeshare interest that has not been registered is a Class A misdemeanor. However, it is permissible for a developer to accept a reservation and deposit from a prospective purchaser on an unregistered property and place the deposit in a segregated escrow account with an independent escrow agent, so long as such deposit is fully refundable upon request by the purchaser. Any advertisement or promotion related to a timeshare interest offering must comply with the Contest and Gift Giveaway Act (Chapter 621 of the Texas Business & Commerce Code). Any advertisement must make it clear that it is soliciting purchasers of timeshare interests and anyone whose name is obtained during a promotion may be solicited, and must set forth the developer’s name and the name and address of any marketing company involved in the promotion, unless affiliated with the developer. A developer must provide a
Scott ALAGOOD | COMMENTARY
timeshare disclosure statement to any prospective purchaser before entering into a purchase agreement. The required contents of a timeshare disclosure statement can be found in Section 221.032(b) of the TTA. If the timeshare interest includes an exchange program, the party making the offer must also provide an exchange program disclosure statement. The details of the exchange program disclosure statement can be found in Section 221.033(d) of the TTA. An “exchange program” is any method, arrangement or procedure for the voluntary exchange of timeshare interests between owners. Typically the company administering an exchange
program is not responsible for misrepresentations of the developer or for the denial of any exchange privileges. So long as the developer’s contracts and sale documents have been approved by the Texas Real Estate Commission or a licensed Texas attorney, the developer may charge a reasonable fee for completing such forms, including the disclosure statements, purchase agreement and closing documents. Section 221.043(c) of the TTA sets out the requirements for the timeshare purchase contract. The contract must advise the purchaser of his or her right to cancel the contract without penalty. This right to cancel extends through the fifth day following the purchaser’s execution and receipt of the contract or the purchaser’s receipt of the timeshare disclosure statement, whichever is later. The cancellation right cannot be waived. Enforcement of the TTA may be accomplished through the filing of an administrative complaint with the Texas Real Estate Commission or by private enforcement through the courts. Several violations
Jason Kindig/DMN file photo
Kevin Geltz, left, listens to vacations counselor Brandon Anum at a timeshare sales center in Irving. of the TTA also constitute violations of the Texas Deceptive Trade Practices-Consumer Protection Act (Texas Business & Commerce Code Section 17.41 et. seq.). Upon a finding of a material violation of the TTA, the
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Enterprising Voices
Chamber slates annual dinner
T
here will be a new twist for this year’s 109th annual Denton Chamber of Commerce banquet and awards dinner. Recognition of major achievements of the past 12 months and inauguration of new leadership and goals for the 2018-19 chamber year will be celebrated at 5:30 p.m. March 22 at the University of North Texas Gateway Center. Chamber officers Carrell Ann Simmons and Rick Wick are in the process of securing professional sports gear, music celebrity items, California wine country and Colorado ski trips, and several unique gift baskets. The ultimate intent is silent and live auctions to raise funds for some needed maintenance projects at the chamber building. The annual membership banquet serves as the symbolic passing of the gavel, and the transition from Jim Fykes to Erik Clark as chairman of the board. The next Denton Cham-
Chuck CARPENTER | COMMENTARY
ber of Commerce program year will officially begin April 1. Individual acknowledgements in the form of the Small Business of the Year, Volunteer of the Year, Outstanding LEAD Delegates and Otis L. Fowler awards will also be highlights of the evening. The Small Business of the Year and Otis L. Fowler awards are open nominations. GSATi was voted the top local small business for the calendar year ending Dec. 31, 2016. Local banker Marty Rivers received the Otis L. Fowler Award, the chamber’s highest form of recognition, for 2017.
Small Business of the Year nominees are typically considered on business-related accomplishments as of Dec. 31, and may include a combination of comparable growth indices, innovation and the ability to overcome adverse circumstances. According to criteria established in 1960, the Otis L. Fowler Award is bestowed upon a deserving individual “who by regular engagement in [his or her] business, profession or calling ... [has] made a marked contribution to the progress and welfare of the community.� Fowler was the Denton chamber’s first paid employee, a position he held for nearly 30 years. For more information, call the Denton Chamber of Commerce at 940-382-9693. CHUCK CARPENTER is the president of the Denton Chamber of Commerce. He can be reached at dcoc@ denton-chamber.org.
Business Spotlight GOALS | CONTINUED FROM PAGE 1
personal financial security. But as with any resolution, the devil is in the details. Merely saying you’re going to do something isn’t enough; you need to create a road map and form lasting habits that will propel you toward a desired outcome. “If you want to save for a down payment next year but you don’t currently have a savings account, then your goal could be to open a savings account and put 3% of your take-home pay into it each month,� Palmer says.
Similarly, she adds, if your goal is stick to a budget, outline the smaller steps it will take to get you to do that.
Stick to a monthly budget
Following a budget should be on everyone’s to-do list, particularly if you have bigger financial goals in sight. Building your budget is the easy part, but sticking with it is about creating and maintaining good habits. Start: Create your budget with personal priorities and long-term goals in mind. Aiming to set aside 50 percent of your income for needs, 30
percent for wants and 20 percent for debt and savings is a good place to start. Create good habits: Commit to tracking your spending daily, and create a standing weekly check-in with yourself to ensure you’re on target. Make it last: Every month, sit down and review your progress. Make adjustments as needed. As an added incentive, budget a small reward every few months for sticking to your plan — an extra meal out or movie tickets, for example. GOALS | CONTINUED ON PAGE 5
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Vital Statistics SALES TAX PERMITS
ASSUMED NAMES
The following sales permits were issued by the state comptroller’s office for December. The list includes the owner, name of business and address within ZIP codes 75068, 76201, 76205, 76207, 76208, 76209, 76210, 76226, 76227, 76249, 76258, 76259, 76266.
75068 A1 Auto Sales, 1444 Willoughby Way, Little Elm Sonic Boom Custom, 2621 Pine Trail Drive, Little Elm Home Fire Shield, LLC, 2511 Sunflower Drive, Little Elm Chrissie’s Selfie Solutions, 2804 Dawn Spring Drive, Little Elm Rohzie, 2037 Falls Creek Drive, Little Elm Print Blitz, LLC, 2701 Little Elm Parkway, Suites 100-534, Little Elm Marketing International, LLC, 2608 Deer Hollow Drive, Little Elm Time Savor, 14800 Little Anne Drive, Little Elm Diveda’sdivinedetailedcleaningservice, 228 Tanglewood Place, Little Elm Kelz Shoes, 2717 Castle Creek Drive, Little Elm Designs By Danielle, 2220 Chestnut Drive, Little Elm Hedera Technology & Consulting Services, 2437 Thunderbrook Drive, Little Elm Mamitas, LLC, 2109 Carrie Creek Drive, Little Elm Bushido Karate-Do Inc., 407 W. El Dorado Parkway, Little Elm 76201 The Denton Grille, 209 W. Hickory St., Suite 101, Denton Cross Roads Mattress, 1629 W. University Drive, Denton Rolon Photography, 721 Ave. A, Apt. 9, Denton Splitlayer, 416 S, Carroll Blvd., Apt. 13, Denton Denton Parlor, 110 W. Oak St., Suite B, Denton The Antique Collector, 628 Mimosa Drive, Denton Aeon, 318 W. Congress St., Suite B Guys Services Inc., 1221 Tulane Drive, Denton 76205 Holy Family LLC DBA Divine Mercy Catholic Books, 262 S. Interstate 35E, Denton James Hineman, 3604 Granada Trail, Denton Color Customs Collision, 936 Fort Worth Drive, Denton Eric Fry, Inc. - Global Pawn, 115 N. Woodrow Lane, Denton
Business Spotlight
76207 Caroline White Antiquaire, 5800 N. Interstate 35, Suite 400, Denton As the Crow Flies, 9104 Perimete St., Denton Trademark Design, 2401 Worthington Drive, Suite 130, Denton
The following names were posted in December at the Denton County Clerk’s office.
76227 Sew Write Embroidery, 1417 Bull St., Aubrey Second Chance Skulls By Emily Jean, 1201 Hayden Lane, Savannah Divine Elegance, 1911 Saint Simmons St., Savannah Lysa Linn Boutique, 4773 Pure Country Lane, Aubrey Irick’s Stone Fab, LLC, 904 Oglethorpe Lane, Savannah Dom Chrom, 26850 U.S. Highway 380, Apt. 3704, Aubrey Hello Ava, 1200 Cobblestone Court, Savannah Trendy Saving Sisters Boutique, 9125 Holliday Lane, Aubrey Ideamark, Inc., 27040 E. U.S. Highway 380, Aubrey Texas Star Autobody, 2761 FM2931, Aubrey
76208 Creative Designs and Apparel, 8105 Bishop Pine Road, Denton Hans Peter Collections, 4181 Silver Dome Road, Lot 164, Denton Jalen Gillis, 5416 Dolores Place, Denton Ducars Investment LLC, 4108 E. University Drive, Denton
76249 The Mile Stobe, 9850 Jim Christal Road, Krum Shinygirls, 1617 Santa Fe Trail, Krum JB’s Smoked Stack BBQ, 301 Cheyenne Trail, Krum Tobin Mathis, 3257 Mitchell Road, Krum Krum Veterinary Services, 5000 Masch Branch Road, Krum Crazy Beautiful Boutique, 5013 Spruce St., Krum
76209 Oasis Heating And Cooling LLC, 2409 Salado St., Denton Denton Roof Masters LLC, 2500 Mingo Road, Denton 76210 Caroline White Antiquaire, 7001 Riverchase Trail, Denton Lightnote Photography, 7609 Sunburst Trail, Denton LP Industrial Supply, 1430 Robinson Road, Suite 300, Corinth Eleven Embers, 7205 Mira Bista Drive, Denton Perfectly Stitched, 2309 Acorn Bend, Denton Labella Diva Skin Care, 3321 Unicorn Lake Blvd., Suite 121, Denton Designs of Nature, 812 Dawnlight Drive, Denton Matrix Construction, 8801 Swan Park Drive, Denton J’s GF Goods, 2308 Lighthouse Drive, Denton Sweet Pop Kettle Corn, LLC, 2416 Alta Vista Drive, Denton
NAME — ADDRESS
NAME — ADDRESS
JW Metrics, 401 AME Drive, Suite 7301, Denton Denton Pain Center, S. Interstate 35E, Suite 142, Denton D’Bone Designs, 8924 Crestview Drive, Denton BriggsForTexas Campaign, 3108 Broken Bow St., Denton Browns Cleaning Service, 1910 N. Ruddell St., Apt. 109, Denton Tiffany Photography, 5201 Par Drive, Apt. 626, Denton Strictly Painting DFW, 2001 Teasley Lane, Apt. 241, Denton Wink’D, 2640 W. University Drive, Suite 5 University Lanes, 1212 E. University Drive, Denton In & Out Tax Service DBA New Order Diversified Services, 1607 E. McKinney St. #900, Denton 444, 624 W. University Drive #400, Denton Hushmaster, 2696 Old Alton Road, Suite 400, Denton
Joppa Lodge 62 F&AM PHA, 1701 Pine Hills Lane, Denton Edgar Derby, 500 Audra Lane, Apt. H, Denton Motivating Millions, 6503 W. Shady Shores Road #128, Denton GS Professional Kleaning Services, 913 Cross Timber St., Denton Cletus’s Smokin’ Tobacco Porch, Waterin’ Hole and Recyclery, 119 S. Elm St., Denton Beyond Broken In Christ, 3260 Wessex Court, Denton Ascencion Paneling, 4109 Darien Place, Denton Flex Barbers, 309 McKamy Blvd., Denton Holy Family LLC, Divine Mercy Catholic Books and Gifts, 262 S. Interstate 35E, Denton Willie Hudspeth for Denton County Judge, 623 Newton St., Denton Cross Roads Mattress Co., 1629 W. University Drive
Raised Right Handymen, 1425 Misty Hollow St., Denton R.O. Construction, 4937 Stuart Road #311, Denton 2 Men & A Bucket, 3908 Surf St., Denton RM Specialties, 1901 Burning Tree Lane, Denton Nunez Handyman and Cleaning, 1617 Oak Tree Drive, Denton ShebDeb Enterprises, 3432 Wavecrest Lane, Denton Love Your Second Home, 2020 Crestmeadow St., Denton Women’s Leadership Certification Center, 2020 Crestmeadow St., Denton 0gravity Percussion, 316 Westway St., Denton StacyLeigh Boutique, 9332 Armistad Lane, Denton DAV Audio-Visual Services, 1711 Wildwood St. Marks Floor Covering, 225 Bluebird Circle, Denton Bose Bikes and Boats, 706 Wordford Lane, Denton
BUILDING PERMITS
76258 Your Health & Wellness By Design, 8491 U.S. Highway 377, Pilot Point Fyresyde Publishing, 620 Bluebonnet Lane, Pilot Point Castle Manor Corporation, 106 W. Main St., Pilot Point Misty Lee, LLC, 1045 U.S. Highway 377, Pilot Point
The following building permits were issued by the Denton Planning and Development department in December.
CERTIFICATE OF OCCUPATION Denton County, 121 N. Woodrow Lane Village Operating LLC, 501 S. Locust St. #503 CCI Investment LTD 2302 North Elm St. 2304 North Elm St. A & B 2300 North Elm St. 112-114 Taliaferro St. 116-118 Taliaferro St. Self Pet Kennel Inc., 7800 E. McKinney St. 717 Stemmons Partners LP, 717 S. Interstate 35E #128 Wind Properties DN LLC, 3210 Fallmeadow St., Buildings 1, 2, 3, 4, 5, 6, 7, 8, 9, 11, 12, 14, 15, 16, 17, 18 and Storage
76259 Snydercustomthreads, 3420 Florence Road, Ponder 76266 Sanger Guns & Ammo, 620 S. Stemmons St., Sanger T&T Flowers and Gifts, 807 N. 5th St., Sanger Hot Diggity Dawgs, 114 Ringneck Drive, Sanger Reiter Resale, 300 Quail Crossing Drive, Sanger
76226 Xyylla, 2650 E. FM407, Suite 145183, Bartonville Best Fire Protection LLC, 2126 Hamilton Drive, Suite 490, Argyle Saint Firearms, 1208 8th St., Argyle The Plaid Vine Boutique, 1405 Bluebell Ave., Lantana
NAME — ADDRESS
COMMERCIAL ALTERATION City of Denton, 1100 S. Mayhill Road Columbia Medical Center of Denton, 3535 S. Interstate 35E Teasley Commons LTD, 3220 Teasley Lane #108 DB Denton II LLC, 3240 N. Interstate 35 Oppidan, 3651 N. Interstate 35 NMV Properties LTD, 119 S. Elm St. RESIDENTIAL Pulte Homes, 6701 Roaring Creek Gehan Homes, 6508 Roaring Creek East Oak LLC, 1023 E. Oak St.
Williams Rentals LLC 2301/2303 N. Elm St. 2307/2309 N. Elm St. 2313/2315 N. Elm St. 2319/2321 N. Elm St. DR Horton, 3101 Armstrong St. Red Gable Homes LLC 2328 Paxton Way 2221 Chebi Lane Robson Denton Development LP 8104 Dunlin Drive 8112 Dunlin Drive
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Save for an emergency fund
Ideally, you’ll one day have three to six months of living expenses set aside in case of an emergency, but if you’re starting with nothing, every little bit counts. Start: If you have nothing set aside, start small; target $500 as your first mini goal. Once you’re there, up it to $1,000, and continue in this manner until you have a month’s living expenses set aside. Create good habits: Automate your emergency fund by having a portion of your paycheck direct deposited into a separate savings account. Remember, you want this money easily accessible in case of emergency, so a traditional or online high-interest savings account is a wise choice. Make it last: Your emergency fund goal should be a moving target, and six months of living expenses is ambitious. Once you’ve got a single month’s worth, focus on paying off any high-interest debt or getting closer to your retirement goals before focusing back on saving the next month’s worth of expenses.
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Plus Tax, Title & License
Save for a down payment
A home down payment can take years to amass, so set realistic expectations and use your long-term vision on this goal. Start: Determine a realistic goal down payment amount, considering both your anticipated budget and the type of home loan you’ll use. A home affordability calculator can help you do the math. Create good habits: As with any savings goal, automating this one will make it easier to stick with it, so have a portion of your paycheck set aside automatically and be flexible enough to adjust this amount as your income or expenses change. Make it last: Knowing your total savings goal and how much you plan to set aside each month, figure out how many months it should take. Mark off each successful month of saving on a calendar. This small action can provide a sense of accomplishment and give you a nudge to keep going.
TAKE DELIVERY BY JANUARY 31. TEXAS’ TRUCK CAPITOL /
COMMERCIAL VEHICLE CENTER I-35E South
DENTON
BIDS@JAMESWOOD.COM
940-210-7443
*CITY EXPRESS: Stock #274107. MSRP: $24,595. Wood Discount: $838. Rebate: $750. Bonus Cash: $2,017 – $3,605 TOTAL SAVINGS CUTAWAY VAN: Stock #274187. MSRP: $42,250. Wood Discount: $5,043. Rebate: $500. Total Bonus Cash: $5,217. Upfit Allowance: $1,200 – $11,760 TOTAL SAVINGS KNAPHEIDE UTILITY VAN: Stock #274006. MSRP: $48,351. Wood Discount: $6,144. Rebate: $500. Total Bonus Cash: $5,217. Upfit Allowance: $1,200 – $12,861 TOTAL SAVINGS
ERNIE LEFNER
RAY O’ROURKE
BRAD ROBLYER
elefner@jameswood.com
rorourke@jameswood.com
broblyer@jameswood.com
Cell: 940-210-7129
Cell: 940-389-3139
Cell: 940-453-4700
6
JANUARY 2018
Denton Record-Chronicle
CHAMBER SPOTLIGHT #DentonMeansBusiness UPCOMING EVENTS
RIBBON CUTTINGS Photography by Mike Mezeul II
Cavender’s Grand Opening and Ribbon Cutting January 5, 2018
BEC OME A MEMBER The Denton Chamber of Commerce is the premier non-profit professional organization in Denton and the surrounding area—providing opportunities for conversation, connection, and collaboration between members and the community. (940) 382-9693
414 W. Parkway St.
DENTON CHAMBER OF COMMERCE BOARD OFFICERS
Jim Fykes..........................................................Chair of the Board Erik Clark................................................ Chair-Elect of the Board Glenn Carlton..................... Immediate Past Chair of the Board Mark Burroughs..................................... Vice Chair of the Board
Monica Glenn......................................... Vice Chair of the Board Amanda Oringderff ............................... Vice Chair of the Board Rick Wick................................................. Vice Chair of the Board Carrell Ann Simmons .....................................................Treasurer
DIRECTORS
Lee Allison • Layne Brewer • Roy Culberson • Russ Ellis • Joey Hawkins • Gary Henderson • Michelle Houston Jill Jester • Tom McCoy • Hector Mendoza • Amy O’Keefe • Ellen Painter • Lee Ramsey • Pat Sherman
EX OFFICIO DIRECTORS
Hugh Coleman ...................................................................................................Denton County Commissioner, Pct. 1 Carine M. Feyten, Ph.D. .............................................................Chancellor & President, Texas Woman’s University Kerry Goree.......................................................................................................Denton Black Chamber of Commerce Mary Horn .....................................................................................................................................Denton County Judge Bob Moses ............................................................................................................Chair, Convention & Visitors Bureau Larry Parker..............................................................................................Economic Development Partnership Board Marty Rivers..............................................................................................Economic Development Partnership Board Neal Smatresk, Ph.D............................................................................................ President, University of North Texas Charles Stafford ..............................................................................................................Denton ISD Board of Trustees Chris Watts....................................................................................................................................Mayor, City of Denton
414 W. Parkway Denton, TX 76201 940.382.9693 Denton-chamber.org
In Denton!
America’s Drive-In Daily ur Happy Ho m p 4 2pm -
Crown Chase Inn & Suites 2450 Brinker Road (940) 387-1000 bwdenton.com
Denton • Crossroads • Paloma Creek Aubrey • Pilot Point • Sanger • Krum
Welcome to The Premier Life.®
www.sonicdrivein.com/denton
NEW MEMBERS Cavender’s
3705 I-35 North, Denton December 19, 2017
Denton Bodysculpting
1124 N. Locust Street, Ste. C&D, Denton January 3, 2018
Infrared - A Closer Look Inc. 3112 Ottawa Lane, Denton January 9, 2018
Muddy Gecko
10505 Belvedere Drive, Denton January 4, 2018
Salon NV
315 S. Locust Street, Ste 101, Denton January 11, 2018
US Health Advisors
669 Airport Freeway, Ste 203, Hurst January 9, 2018
Interested in Membership? Call 940.382.9693