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2017 - May

ttn logoMay, 2017: Welcome to my latest adventure!

Kim Schultz

For three months, my life is pretty much just work! I never complain because I actually enjoy this time! So many people take their jobs for granted but I don't. I like being able to help people regardless of what they need!  May doesn't appear to be slowing down much and looks to be very busy! I am loving every minute of it!! Living in Topeka, my life is never boring! I can always find trouble to get into!

"In a Flash" - By Annette Hope Billings

annette hope billings new

 

 

Annette Billings

Website: http://anetfullofhope.com

Facebook: https://www.facebook.com/Anetfullofhope

Hello readers. In addition to poetry, I love writing fiction! Each month I will write a form of fiction, thusly named because of its brevity. Each story will have a Topeka connection. All characters and situations will be fictitious, but I'll include real Topeka locations. Enjoy and be generous with feedback!

 

Portulacas

The cemetery groundskeeper climbed off his mower and walked towards the mound of dark dirt topping a new grave. When a marker was eventually placed it would read “Delilah Estelle Jones,

         November 12, 1922-April 11, 2017.

Her internment had been the day before. He’d turned his mower off when her funeral procession entered the cemetery gate. The line of cars had been very short.

He stood at her graveside now and admired the floral spray which had lain on her casket. It was an arrangement of yellow roses—her favorite flowers she’d told him once. The cool temperatures overnight had allowed the blooms to keep drooping at bay.

He’d met her a year before. She came to the cemetery every Friday. Her King James bible in hand, she’d sit on a bench to read scriptures out loud and pray. She would sing too—“Old Rugged Cross,” “Victory in Jesus,” “Great Is Thy Faithfulness.” While she sang she would plant flowers around the markers of her two sons’ graves. It was the flower planting that caused them to become acquainted. As he mowed near her on the day that met, he noticed what she was doing. The cemetery did not allow flower planting and there were posted notices about this at several locations around the grounds. He had walked over to where she was— down on her knees, hands in the soil.

“Ma’am, he said gently, “did the office tell you that you can not plant flowers in the ground in this cemetery? You can place flowers in pots by the graves or put flowers in the vases of the markers, but no inground planting is allowed.”

She’d glanced up at him, “I may place flower pots,”she said, correcting his English.

He instantly felt nine-years-old which made sense later when he learned she’d been a grade school teacher.

“You may place flower pots,” he acquiesced.

“That’s better,”was her crisp reply, “now help me get up, please.”

He extended a hand which she took and stood with much less help than he’d imagined she’d need.

Rubbing her hands together to brush off dirt, she introduced herself.

“Yes, they told me about the no-planting rule, but losing my two boys was about as broken as any rule could get, don’t you think?”

He didn’t have a response.

She had continued, “The death of a child is out of natural order of things. It creates a kind of sad that makes your bones weep. Planting these flowers helps my bones weep less. How could anything be wrong about that?

“I’m so sorry, Delilah,” he’d responded.”

“Sorry” is not going to unbreak my heart, Young Man, and I haven’t given you permission to call me by my first name!”

“I apologize, Mrs. Jones—”

She cut him off with a wave of her hand and, “Call me “Miss Delilah.”” She smile and so did he.

“These flowers,” she explained pointing, “are Portulacas. They won’t grow very tall and no one will notice them.” He knew the discussion was over.

That day began their ritual. Every Friday afternoon she would plant flowers while he looked the other way and mowed. He’d let the flowers remain over the weekend then pull them up on his Monday morning rounds before the office staff arrived.

When he hadn’t seen her the previous Friday he worried. He considered asking the office for her contact information—just to call and see if she was okay. But decided that would be too awkward. A computer search a couple of days later yielded her obituary and confirmed his concerns. He was surprised to read her age; she looked much younger. But what confounded him most was there was no mention of her having any sons— deceased or otherwise. He wondered whose graves she had been decorating and why she had described them as sons.

It didn’t matter, he decided, he would miss her. He spoke a soft prayer at the gravesite and made his way back to the mower. The next day would be a Friday. He made a mental note to buy enough Portulica to plant around all three graves.

Annette Hope Billings

 

 

 

Kim's Excellent Adventures

 

Tax Season - Best year yet! I am go glad that it is over though. It takes about a month to deprogram my brain!

Frankie's Birthday weekend: This year we started with a girls night at the K. After that we went to Argosy Casino. On Saturday we went shopping and out to eat. Saturday night we took Ubers to Kanza Hall for a night of dancing. It was Easter weekend so I put together some baskets so everyone that spent the night would wake up to something fun!

Frankie Bday Friday 3 Franke Bday Friday 1Franke Bday Friday 1Franke Bday Friday 1Franke Bday Friday 1

Easter Sunday: After a night of drinking and dancing, it was nice to relax at my friend Pete's (Chico) house. He wanted to use his new smoker to cook Lamb. I had never had lamb before. Tom also joined us for dinner. Chico prepared a very yummy meal on the new grill, lamb, asparagus and corn on the comb. We had chocolate chip cookies for dessert. It was the perfect ending to a fun weekend at the end of tax season!

Easter 1    Easter 1

Easter 1

Anniversary party I left Kansas Trucking, Dec 2015 but I still keep in touch with a few of the drivers on Facebook. My friend Merlin and his wife celebrated their 40th wedding anniversary and his 60th birthday. I was excited that he invited me to spend their special day together! They held the party in the private room at the Celtic Fox. It was a great space and yummy food! It was a fun night!!

Anniversary 1  Anniversary 2Anniversary 2  Anniversary 3

Pampering myself after tax season- Since my vacation was moved to the end of April, I treated myself to a pedicure and massage! It was just the beginning of my relax time!

Toes

New Cell Phone- Well I hadn't expected to get a new phone but then I realized I had broken my camera on my phone. Now, I can't go without my phone camera. So I spent the next 2 1/2 hours at Verizon getting a new one. The young man that helped me showed me some really cool phones. Once I figured out which phone to purchase, I had to pick my plan. They no longer offer you the $100 phone. They now make you pay the full amount but deduct money from the package.  I did have 2 gig but I ended up with 5 gig. The salesman talked fast and also tried to tell me I had to get this $10 auto assistant thing that attaches to your car. I asked him if I had to get it and he said yes. When he tried to set it up, my car was one of the types that isn't compatible. Somehow I no longer had to buy it with the package. My previous package was $60 plus fees so I paid $82. My current bill is $88 but I don't know if that is what I will pay every month. Now I wait to see if that is the new monthly charge.

Psychic visit- I love meeting with Jo, my psychic. She is also a good friend. It was a good meeting. If you haven't ever been, you should give her a call at 3 Flowers in downtown Topeka!

Dallas Vacation- What a great way to end tax season. My friends moved to Dallas about 18 months ago. The week before I arrived they moved into their new house! My goal on this vacation is to rest, sleep and eat! All three happened. I got to visit my favorite cheesecake place! We also went the Spa Castle for like 3 hours. Water features and Saunas! I slept like a baby that night. I really wish we had something like that around here! One night they invited some friends over for Steak! I made cherry dump cake! Saturday we met a bunch of people for Brunch at a restaurant called The Woolworth. It is never enough time to be gone! My flights were both good! Southwest is a great airline! The flight going was an hour late due to storms but I still made it! Sometimes you just need to go with the flow! Next trip is Florida in June! Taking my uncle to Disney World and spending time with my cousins!

Dallas 1  Dallas 1

Dallas 1  Dallas 1

Dallas 1  Dallas 1

Dallas 1  Dallas 1

Dallas 1  Dallas 1

Topeka Youth Project's 21st Recognition Dinner - I have been privledged to attend at least 10 of these! Each year just gets better! If you have not sent your kids ages 15 to 21 through this program, they are missing out!

TYP Awards 1   TYP Awards 1

TYP Awards 1     TYP Awards 1

Zombie Kansas Premier - This was the first event that was held in the Break Room since the fire! It was a packed house. They invited a food truck to come and serve food and then we watched Zombie Kansas followed by Zombie Beauty Pageant. Both are 100% locally created! Gary Piland and his crew are very talented and Topeka is lucky to have them! If you missed this premier, they will be showing is again on May 20th at The Break Room. Door open at 6pm and Front Door Catering and Food Truck will be available for dinner. I hear that they might also be promoting an up coming event at The Break Room!

Zombie 1 Zombie 1

Zombie 1 Zombie 1

Zombie Kansas

Advertise on Everything Topeka!

     

 

EverythingTopeka.com All Star Team

I would like to introduce you to my 2017 All Star Team

My team is made up of amazing people who live and work in Topeka! They are sure to add some fun and knoweledge to The Topeka Newsletter!

 

Desmond Henry Desmond Henry - Afflora Financial Life Planning

A Financially Fit Life Offers Real Abundance

Desmond Henry is a CERTIFIED FINANCIAL PLANNER™& founder of Afflora Financial Life Planning, a fee-only financial planning firm in Topeka, Kansas that specializes in working with women, retirees, & clients in their 20s & 30s. Desmond has been quoted in U.S. News & World Report, Yahoo! News, TK Business Magazine, & recognized as one of Topeka’s ‘Top 20 Under 40 Business Leaders’.

 

 

 annette hope billings new Annette Billings - Author/Writer

"In a Flash" - By Annette Hope Billings

Annette Hope Billings is a Topeka ArtsConnect Arty award-winning poet dubbed by her fans as "Maya of the Midwest." Her body of work includes poetry, short stories and plays. A nurse for decades before becoming a full-time writer, her deep penchant for caring comes through clearly in her writing. Her previous books include "A Net Full of Hope" (2015) and her recently published, "Descants for a Daughter." Her work has also been included in several anthologies of poetry and short stories. Website: http://anetfullofhope.com/Facebook.com/anetfullofhopeTwitter: @annettebilling3Amazon: tinyurl.com/anfohbookYouTube: tinyurl.com/anfohvideos

 

 

 

 

 Robin Bonsall

Robin Bonsall - Realtor/Actor/Wife/Mom

Neighborhood News: REALTOR® Robin style

About Realtor Robin

Robin is a born and raised Topekan who, as a youth, always thought she'd go far, far away from Kansas.  As an adult, Robin has discovered so many wonderful things about this community that make her proud to be rooted in Topeka. :)  Ever the performer, Robin spends a fair amount of "free time" volunteering on-stage, backstage, and in other capacities with Topeka Civic Theatre & Academy and with the Ad Astra Theatre Ensemble, a budding grassroots theatre company in the area.  When theatre isn't consuming her free time, Robin enjoys family bike rides, pretending to garden, singing lullabies to her babe, doing laundry (does one really enjoy this?) and supporting her husband in his hobby: UAV & Drone building!  There is never a dull moment in the Bonsall household. :)

Robin and her husband, Graham, have been blissfully married since August of 2009.  In 2013, they successfully brought a tiny human into the world. He has been terrorizing the family chihuahua, Joplin, and changing Robin & Graham's view of "the world" ever since.   LoveTopekaHomes.com

 

Chris Schultz

Chris Schultz - President Tinkham Veale Creative and Founding Partner - Schultz Management, LLC

Being an Entrepreneur

Chris was born and raised in Topeka.  He is a graduate of Shawnee Heights High School and he attended Washburn University where he earned his B.A. in Theatre. In May of 2002, he opened Field Of Greens restaurant in Downtown Topeka. It wasn’t long before his family started getting even more involved in the company, which was the catalyst that grew his dream to include the opening of The Break Room and The Gourmet Cabaret Theater. Chris and his family were recently honored by Topeka Civic Theatre when they were presented with the prestigious Waldo B. Heywood award. In 2011, The Jayhawk Area Council of the Boy Scouts named Chris as one of the 20 Under 40 business leaders in Topeka. Chris is the creator of GabLocal.TV and serves as the President & Executive Producer of its parent company, Tinkham Veale Creative.

 

Chelsea Howe

Chelsea Ellis - Graphic Designer/Artist

Ampathetic Wannabe

Chelsea Howe is an award winning comic strip artist whose work has been published on a collegiate level. Her work has earned her first place in comics in 2013, second for online comic content in 2014, first place in illustrations in 2015, and second in infographics in 2016 at the Kansas Collegiate Media Conference. She was also the 150th Washburn University Yearbook editor-in-chief which took silver at state in 2016 and also won her the Most Outstanding Student Media Award for her hard work and dedication during Washburn's 2015 Mass Media Banquet. Her graphic design talents know no bounds, from designing play/musical posters and programs for well known local establishments, a jazz concert series and an award winning director, to the posters advertising local Topeka fundraisers, such as the 2014 Downtown Adventure Race Topeka. Her vast versatility extends to privately commissioned local business logos, short notice clip art and page layout for the award winning Washburn Review and Bod Magazine, and graphic assets for the local TV show Talk About Topeka. Her work has also been featured in juried shows at the Mulvane Art Museum.

In 2016, for the beginning of TPACs 25th Anniversary season, she won their public logo competition amongst all other entries and is excited to see all the new shows with her reward of season tickets.

When she's not working on graphic work she can be found exercising, sewing, foam armor crafting, playing Destiny, or catching up on her shows on Netflix.  http://manualjump.wixsite.com/portfolio/about-me

 

Kristi Pankratz

Kristi Pankratz - Safe Streets

Cathing Up With Kristi

Kristi Pankratz is the Director of Safe Streets and Prevention Services at Prevention and Recovery Services (PARS) in Topeka. Safe Streets is dedicated to creating a healthier community by addressing crime through prevention education and citizen empowerment. Programs include Neighborhood Watch and National Night Out, among others. Kristi is an experienced public relations administrator who has served the Topeka community in public service roles for the past 15 years. She has a background in public safety, public health and prevention. Prior positions she has held include: spokesperson for the Topeka Police Department, Communications Director for the Kansas Department of Health and Environment and Community Prevention Specialist for PARS. She is a Topeka native and graduate of Washburn Rural High School, Tabor College in Hillsboro, KS and Washburn University.

 

 

Anthony CayAnthony Cay

Owner: Total Fitness Body Zone

Organized Chaos VS Fitness Confusion

History
I’d like to say I fell into this business, but the reality is this business called me.
I worked at a local gym here in town as a personal trainer in 2011.
I really enjoyed the training aspect of my job and working with people. I just didn’t appreciate how the company mistreated their clients. The lack of listening of clients need and wants. I chose to provide a service that clientele would be able to benefit from physically and still be economically feasible. In August of 2011 Total Fitness Body was born.
Purpose
The purpose of this company is to promote healthy lifestyles and provide fitness training and nutritional education to all age groups and all fitness levels including beginner, advanced, and or professional. Our focus is on safety first and always. Provide first class training and face to face customer service, the attention to these details have set this company apart from all the rest.

Background
I am a current Sergeant and Combat Medic in the United States Army. I have been an EMT for 11 years and a Certified Personal trainer for 6yrs. I have played all physical sports and have received advanced training in all of them. Some of the sports would include football, basketball, volleyball, baseball, tennis, softball, track wrestling and Jiu-jitsu just to name a few.  

So while I will definitely kick your butt with a great workout, I will always keep your safety as my number one priority.  
Services:
Weight loss and strength conditioning
Post rehab transitional therapy
Body building
Sport Specific Athletic Training

 

Tricia Peterson

 

Tricia Peterson

Experience Restaurants with Tricia

http://tastingtopeka.blogspot.com/

Tricia Peterson is a Kansas native and Washburn University graduate who loves living in Topeka. At Washburn she studied Mass Media and from there began her local food review blog, Tasting Topeka. She grew up north of Topeka in the small town of Mayetta where she graduated from Royal Valley.  Now she owns a small catering company, 2 Chefs Catering and runs her blog from home. Tricia enjoys reading fiction, studying history, going to see live music and writing about food and entertainment.

 

 

 

Barbara Waterman Peters

Barbara Waterman-Peters

The View From my NOTO Studio

Local Artist, Owner: Studio 831 (NOTO)

Barbara Waterman-Peters Barbara Waterman-Peters, (BFA, Washburn University, MFA, Kansas State University, Honorary Doctor of Fine Arts, Washburn University) whose award-winning work is in museum, corporate and private collections, is represented by several galleries. She was a founding member of the Collective Art Gallery (1987-2014) and is a charter member of Circle of 7.  She has shown regionally, nationally and internationally in over 250 solo, invitational and juried exhibitions.  
Waterman-Peters taught at Washburn and Kansas State Universities as well as Lassen Community College in California.  Currently, she writes about art and artists for TOPEKA, LAWRENCE and KANSAS! Magazines. She also writes an “Artist of the Month” online for TOPEKA Magazine.
She has received a Certificate of Recognition for Outstanding Achievement from the State of Kansas and the Monroe Award from the Washburn University Alumni Association. In 2011 she was awarded the ARTY for Distinguished Visual Artist from ARTSConnect in Topeka.
For many years, Waterman-Peters has been the staff artist for the Andrew and Georgia Neese Gray Theater at Washburn University.
She served on the Quality of Life team for Heartland Visioning part of which then became the original NOTO Board.  In addition, she served as co-chair of the CREATe group, another facet of HV. In 2010 she became the first Core Artist in NOTO, founding STUDIO 831.

 

 

I will add my stars to the page, as I meet with them! Check back to see who will be helping make this newsletter come alive!

Experience Restaurants With Tricia

Tricia Peterson

 

Tricia Peterson

This email address is being protected from spambots. You need JavaScript enabled to view it.

Www.2chefscateringtopeka.com

 

Lately I’ve been obsessed with tacos. When I say tacos I mean all different kinds, but my favorite is tacos al pastor. A friend recently took me down to 6th street to get some tacos and there were some of the best I’d had in awhile.

These tacos were authentic al pastor tacos: chunks of pork marinated in adobo and other seasonings with pineapples. Oh so tasty. Here, the meat just comes on the shell and that’s it, if you want to put anything else on it, there’s a cold bar available with fresh white onion, cilantro, limes and many other sauces. The pork is spicy and sweet, and I liked that they had chunks of meat instead of shredded meat, which is good, too, but I enjoyed this more.

I haven’t only been obsessed with these tacos, I like them really everywhere in town because each place has a different flavor, with different toppings and sauces. Tuesday isn’t the only day to get tacos around here, if you look you can find them any given day in Topeka and they usually aren’t expensive, either.

NOTO Burrito has a great taco Tuesday deal with their freshly made shells, pico de gallo and other various fresh ingredients for only $0.99 each. Here you also get a choice of ground beef, chicken or pork, which you can’t really beat. Thursdays they also offer $2 taco burgers. Oscars, a bar on 15th and Lane in the College Hill area offers $0.69 tacos on Fridays. Terry’s Bar and Grill has $0.75 tacos every Tuesday and Sunday. I’m sure there are so many other options when it comes to Taco Tuesday, but these are the ones that come to my mind. Feel free to send me a message and let me know of more options so I can update my list. Maybe there will be somewhere I haven’t been and I can check them out. My email is This email address is being protected from spambots. You need JavaScript enabled to view it..

For authentic tacos, you’re not going to find a Taco Tuesday available. It seems those types of deals aren’t usually present at taco trucks or stands, but that’s ok, they’re still usually affordable. Another favorite truck of mine is Tacos el Guitarron, which you can find on 6th Street, west of Topeka Boulevard or, their orginal location right off the highway on California Avenue and 13th Street.

On Cinco de Mayo I decided to try to cook up my own tacos al pastor and I was impressed at how well I did for my first time, especially considering I waited until the last minute to marinate my pork and really only let it go for a couple hours. Next time I plan to marinate it over night and let it get nice and tender and really take on all the flavors of the marinade. Still, they came out tasty and I look forward to making them even better next time.

All I did was mince up some pineapple, almost to a mush and mixed it with some adobo sauce and some other seasonings, (it really depends on the recipe you’re using), and marinade the meat in it. I used pork loin that was chopped up because I was trying to replicate what I had just eaten at the food truck. I got the size of the pork right, but the flavor was completely different. I was lacking guajillo powder and that may be why mine tasted different, or maybe because I couldn’t let it marinate over night. Either way, I need to try again.

Have you ever made tacos al pastor? Any tips or tricks you’d care to share? Feel free to email me if you have any questions.

 

                

Neighborhood News: REALTOR® Robin style

Robin BonsallRobin Bonsall

 

 
Robin M. Bonsall
Mommy/REALTOR®/Actress
Coldwell Banker Griffith & Blair
This email address is being protected from spambots. You need JavaScript enabled to view it.

Do you find yourself asking, “What is my home worth?” or wondering how much it is worth in today’s market? These are both great questions and you are not alone.

REALTORS® get asked variations of this question ALL the time. It makes for a great conversation starter. The thing is, the market changes from week to week; month-to-month; season-to-season. One week, it's a seller's market. Next, an abundance of new listings pop up over the weekend...now it's a buyer's market. Additionally, in Kansas the market even changes with the weather (not daily, but seasonal). And that is not necessarily a bad thing.

With each market shift, there are different strategies because there are always buyers shopping, just as there are always sellers selling. Your REALTOR® is your market strategist.

If you've had any thoughts about selling your home recently, I would encourage you to reach out to your favorite REALTOR® now. Start the conversation. Know your desired timeline so you can start planning for this exciting lifestyle change. Proper planning and regular conversations with your REALTOR®, could get you into or out of a house within 12-18 months.
Remember: no one can predict the future but your trusted real estate advisor is equipped with industry knowledge to help you navigate the common stresses of buying and selling property.

Sellers: Acknowledge your emotional attachment to the Home you've created. Then, start separating those emotions from the business of selling your House. Wanna chat about potential deferred maintenance issues? Gimme a call. Soon.

Buyers: Acknowledge your desire to be a Home Owner and start saving money NOW. When you are financially prepared, (potentially with several thousand dollars in savings--specifically for this type of purchase), your opportunities are greater. Wanna know where you stand financially today? I know people. Gimme a call. Soon. :)

Robin M. Bonsall, REALTOR®
Coldwell Banker Griffith & Blair
This email address is being protected from spambots. You need JavaScript enabled to view it.
(785) 817-6649

 

A Financially Fit Life Offers Real Abundance

Desmond Henry

 

A Financially Fit Life Offers Real Abundance

Desmond Henry, CERTIFIED FINANCIAL PLANNER™

 

 Check back!!

About the Author:

Desmond Henry is a fee-only CERTIFIED FINANCIAL PLANNER™ practitioner & founder of Afflora Financial Life Planning in Topeka, Kansas that specializes in working with independent women, millennial HENRYs (High Earners, Not Rich Yet), & the retiring/retired to improve their financial lives.

Desmond has been quoted in U.S. News & World Report, Yahoo! News, Credit.com, TK Business Magazine, & recognized as one of Topeka’s ‘Top 20 Under 40 Business Leaders’.

May 2017

Avoid These Mistakes When Hiring a Financial Advisor

May 22, 2017 Investing Financial Planning

You've made the decision to consult with a professional advisor about your financial situation. Maybe your concerns surround planning for retirement or a specific situation like how to take your pension. 

Regardless of why you are seeking the advice of a financial advisor, make sure that you do your homework and avoid these mistakes when selecting an advisor for you and your family.

Failing to understand the advisor’s experience and expertise

When choosing a financial advisor be sure that the advisor’s experience and areas of expertise are in line with your needs and your situation. For example, if you have issues surrounding taking your pension and evaluating your different options make sure that the advisor is knowledgeable in this area.

Is the advisor a CERTIFIED FINANCIAL PLANNER™ (CFP®) or some other professional designation? If so, be sure to understand what training and expertise this designation actually provides.

Confusing fee-only and fee-based compensation

The fee-only and fee-based compensation methods are often used interchangeably. They are not interchangeable and many consumers are confused by the two terms.

Fee-only means fee-only. The only compensation received by a financial advisor working as fee-only are fees paid by their clients. These might be hourly or a flat-fee for a specific project. For more ongoing work the fee might be a flat retainer or based upon a percentage of the amount the advisor is investing for the client. In any case, the advisor receives no compensation from the provider of the financial product.

Fee-based is also known as fee and commission and is generally some combination of the two. You will pay the brokerage firm a fee tied to the level of assets they are managing. In addition, the brokerage firm will collect fees generated by the mutual funds as well. While you are not directly paying these fees, you are paying them in the form of higher costs than funds that don’t generate these trailing commissions.

Fee-only advisors receive no compensation from the sale of investment or insurance products. When selecting a financial advisor, ask yourself whether you feel that a financial advisor who receives a significant portion of their compensation from the sale of financial products can really be counted on to recommend solutions that are in your best interest?

Failing to understand how your financial advisor is compensated can be a very costly mistake.

Using an advisor who is not a true fiduciary

Especially with the pending fiduciary rules from the Department of Labor, the issue of who is a fiduciary and what the advisor’s duty to you as a client is can be quite confusing. If the advisor is registered as an advisor with the SEC or their state, they are held to a fiduciary standard based upon that registration.

As a fiduciary, the advisor must put your interests first in all advice that they provide. If you are in doubt as to whether any advisor that you may be considering is a fiduciary ask them. And ask them to put it in writing.

Choosing a financial advisor who leads with the sale of a product

Financial advice is not about selling you a financial product so the advisor can earn a commission. Financial advice is about providing you with financial guidance in areas like retirement planning, investments, and tax planning.

If an advisor leads with the sale of the product, end the meeting or hang up the phone. This is not the advisor for you. Besides, how does the advisor know what types of financial or investment products are right for you before they’ve gotten to know you?

Believing the advisor’s claim that they can beat the market

If an advisor claims that they have the formula to beat the market, trust me they don’t. If they did why would they be sharing with you? Why wouldn’t they just invest their own money and go live on an exotic island someplace?

Choosing an advisor based on their name recognition

Whether it’s some star endorsing a national brokerage firm on TV or a catchy local ad campaign; publicity isn’t a good reason to choose a financial advisor or a firm. At the very least check out the advisor and the firm carefully to see if the hype matches the reality in terms of their capabilities, fees, and freedom from legal or regulatory sanctions.

Failing to check the background of the advisor or their firm

Like any professional, you should absolutely check on the background of any financial advisor you are considering. The Securities and Exchange Commission’s site has a section where you can check and verify the background of any financial advisor who is registered either with the SEC or at the state level.

FINRA broker check allows you check on any advisor who is or was in a broker-dealer environment.

In both cases, you will want to verify their background and to see if there have been any sanctions or complaints against the advisor or their firm.

Summary

Selecting the right financial advisor can be the start of a rewarding experience for both your finances and the quality of your life. Selecting the wrong advisor can be frustrating and costly to you.

If you're looking for a qualified advisor to help you through the maze of investing and financial planning strategies, there's a possibility I'm a good fit. Let's get started by scheduling a free initial consultation. As a fee-only fiduciary in dealing with my clients, I am only as successful as the success of my clients in meeting their financial goals. You will never wonder how much my services cost or if I'm acting in your best interests. Learn more here.

 

Sign up for Afflora's newsletter and start making smarter money choices!

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The View from My NOTO Studio

Barbara Waterman Peters

 

View from my Studio

By Barbara Waterman-Peters

May brings a change in the light flooding over my right shoulder. I paint in both natural and fluorescent light which gives a nice balance to my colors, but within that are great differences. Wintry light is sharper; cloudy days soften the effect. Summer light is dazzling and lasts longer, increasing the length of my painting sessions.

At the moment I have a number of half-finished canvases sitting around my studio. They have the underpainting and first glaze of color which signals the next step: application of the local, shadow and highlight colors. The quality of the light illuminating my studio is crucial at this point and right now it is perfect.

Barbara Waterman-Peters

 

 

Barbara May

 

Featured Artists at STUDIO 831 in May

Michael Bradley & Larry Peters

“Earth, Water and Fire”

Ceramics are created using the three elements in the title of this exhibit. Both of these artists are using clay in unique ways, addressing issues outside of function, but with traditional forms.

Work by Bradley is hand built of various colors, utilizing several techniques such as layered thin slabs of colored porcelain slips. Peters’ pieces are wheel thrown and surface treatment is done with underglaze stains. He also utilizes wood bases.

Come see this fabulous exhibit by two top ceramic artists in our region!

 

 

 

Catching up with Kristi

Kristi Pankratz

Krisit Pankratz

I’m a work hard, play hard type of girl. Go big or go home, right? So, when summer rolls around, the days get longer and the weather is amazing, the thoughts of vacation begin dancing around in my squirrel brain. Seriously, I’ve been typing this intro for two hours and have had so many interruptions I’m starting to wonder what’s worse than squirrel brain. But, I digress.

The travel bug bit me a couple of years ago and there’s been no turning back. There’s something about getting away, unwinding and leaving all the stressors of common days behind that makes me relish and savor vacation opportunities. Renews the soul.

As a kid, my vacations were strictly to visit relatives. Seriously, no Disneyland. Ever. Not that I’m holding a grudge or anything on that. But, as an adult, they’re more for the experience, the relaxation and the enjoyment.

And, as an adult you have more things to think about when going on vacation. Did I really close the garage door? Was the coffee pot turned off? Did I stop the mail? Where did I put my boarding pass? When was my car’s last oil change? And, the list goes on and on.

Now most people can’t help me with the “where did I put my boarding pass” question. Does anyone else store documents in a “safe place” and then have issues finding where that “safe place” was? Especially, right before you have to present them?

But one thing that has made traveling for vacations, business trips or family events, that much easier, has been having great neighbors. Having people you like, trust and who are there for you, goes such a long way when you have to be gone.

I’ve been incredibly fortunate to have some wonderful neighbors who are willing to watch my house and check on things when I’ve been gone. There was one time when we had a barrage of rain on a daily basis and they were checking my basement constantly to make sure it didn’t flood. That type of support is hard to come by and I know I’m very blessed to have such great people next to me. J

In addition to establishing and developing relationships with your neighbors, there are few other things I recommend doing if you’re getting ready to go on vacation this summer.

  1. Law Enforcement Service Requests. Did you know that our local law enforcement agencies offer service requests/vacation patrols? So, when you’re gone, officers/deputies will drive by your home. If you’re in the city limits, set it up with the Topeka Police Department online at: https://topeka.wufoo.com/forms/z1flfeqx1qcb7sm/. If you’re in the county, give the Shawnee County Sheriff’s Office a call at 2200. Both entities will ask for dates you’ll be gone, contact information, as well as authorized vehicles and persons who can be on your property. It’s a great service – I’ve used previously and neighbors even commented about the frequency they saw patrols.
  2. An occupied home looks lived in. Invest in timers that turn on the interior lights for a few hours every evening.
  3. Stop your mail and newspaper delivery. A hold on your mail can be set up at https://holdmail.usps.com/holdmail/.
  4. Have your neighbor check your home periodically for things like flyers on your doors, deliveries, etc. that you may not have been expecting. If you don’t have a neighbor available, have a relative or friend stop by every day or two. If you’re gone for an extended period of time, make sure you have arrangements made to ensure your yard is maintained.

And, if you made it through all of those tips and haven’t had a squirrel moment, then kudos! Hope you have a great launch to your summer.

 

 

Organized Chaos VS Fitness Confusion

Anthony Cay

 

 Anthony Cay

Owner: Total Fitness Body Zone

 

Are you guilty of “The Placebo Effect”??????

Let me start by defining placebo

Placebo: is a Latin word meaning” I shall please”

Definition of 'placebo

 noun plural -bos or -bo1. medicine

an inactive substance or othersham form of therapyadministered to a patient usually to compare its effects with those of a real drug or treatment, butsometimes for the psychologicalbenefit to the patient through hisbelieving he is receivingtreatment

See also control group, placebo effect

Here’s my definition in a nutshell:

something said or done to please or humour another or yourself (Drop the Mic)

Now that we are all on the same page I’ll rephrase my question.

Have you ever said to yourself or someone else I want to be healthier and lose weight. I am ready to have more energy and see significant results. I know for a fact that by getting in shape and eating healthy I will reduce the amount of medication that is required for high blood pressure, diabetes, depression, or weight loss. In some cases I know I can eliminate the need for any medication. In addition I will be rewarded by cheaper health insurance and a new physique. So I am ready to start being accountable for my actions in the gym by hiring a professional personal trainer. I’m ready to make these changes so I’ll make sure to tell all my friends and family face to face or by social media.

What happens next is the “Placebo effect” you shop around you’ll get pricing and maybe join a gym and see a trainer for a week and then you stop going because you don’t see immediate results.

My suggestion to eliminate this situation is to come to the table with realistic expectations. You didn’t get the way that you currently are overnight, therefore don’t expect to get results overnight. Getting in shape is a lifestyle change. If we can grasp the idea that is half the battle. You can’t go hard in the gym all week and then eat like crap and expect realistic results. Your nutrition has to have the same shock treatment that your exercise program needs to have to provide real results. You have to come out of your comfort zone for exercise and eating it’s a marriage. You have to be creative because your muscles are smart so is your belly. This is why the need for a personal trainer and a nutritional consultant exists. You need to be held accountable for your actions. Give the process a chance to work and realize everyone is different. What may take 3 months for some people may take 1 year for others.

You will never be too old or too young to get healthy. The current age range of my clients are 4 years old to 85 years old.

So guess what, if you’re reading this that means YOU CAN DO IT TOO.

If you need help starting or if you need a personal trainer TEXT me at

785-554-3107 I’d be glad to help

This has been another public service announcement from

Total Fitness Body Zone

The Calorie Killa

Do Not Become A Victim Of “The Placebo Effect”

 

 

 

 

 

 

Sports & Recreation

 

Archery

The Archery Club

598 SE 97th St, Wakarusa, KS 66546

 

 

 

Capital City Crushers

Capital City Crushers

 

 

Golden Giants

 

 

Topeka Train Robbers

 

 

Heartland Park

Heartland Park Topeka

 

 

Ravenwood Lodge

Ravenwood Lodge

 

 

 Sunflower State Games

Sunflower State Games

 

Topeka Roadrunners

Topeka Roadrunners Hockey

 

Washburn University

 

 CalendarBannerNOBG

Topeka City of Character

Topeka City of Character      KSCharacter.org

 

Sponsored by Topeka Capital Journal

Optimism

finding and emphasizing the positive

 

 

 

 

 

New Businesses

Bruno's Downtown Grill & Bar

1003 SE Quincy, Topeka, KS 66612

https://www.facebook.com/Brunosdowntowngrill/

Brunos Downtown Grill Bar

 

Brightstar Event Services

913-957-4331

https://brightstar-events.com/

After years in the event services industry, BrightStar founder Nick Holmes saw its challenges and wanted to create a different kind of event company. After years of hearing about what’s most important to brides from years of bridal shows and weddings, Nick built BrightStar to focus on what matters most.

  • Service and expertise. We’ve seen hundreds of special events and spoken with even more brides and brides-to-be. We’ll listen carefully to your needs and help you navigate the journey to your special day.
  • The extra mile. Sure, we help execute hundreds of events every year. But we know that every one of them could be someone’s event of a lifetime. We take that responsibility very seriously. That means we do what it takes to nail your event.
  • Great execution. Our team is good at what they do. We guarantee your satisfaction.

 

Interior Design Resources

2109 SW Belle 478-5706

https://www.facebook.com/Interior-Design-Resources-591593351046145/

Interior Design Resources Provides Interior Design, Design Services, Cabinets, Flooring Materials, Window Treatments, Countertops And Furniture To The Topeka, KS Area.

 

Culligan Water

3116 SW 29th Street. Topeka Kansas 66614..

https://www.facebook.com/Culligan-Water-Topeka-201337996999670/

Bottled Water/Coolers for your business or home, Water softeners and Bottle free water coolers and Reverse Osmosis Drinking water systems.. 8:30AM till 5PM MOnday thru Friday.. 785-350-2551.

Free drinking water fillups. Bring your jugs and we will fill them for FREE! 5 Gallon limit per customer.

 

 
 
 
create\uplift is a multimedia company based in Northeastern Kansas and services Topeka, Lawrence, Kansas City and beyond. We provide professional photography, videography, graphic design, website development, interactive marketing, and creative consulting to brands and businesses. Since 2015 we have operated from our workspace in Downtown Topeka, located in the collaborative makerspace, 712 Innovations.
 
 
Topeka Pizza
1630 sw Arvonia
273-4444
Delivery and Takeout! Topeka Pizza is coming this July, right across from Lowes
 
 
Grandpa Rich's Pork
724 SW Gage Blvd
 
Grandpa Richs Pork
 
Fuzzy Taco
Fuzzy Tacos - Coming Soon
Old Team Sporting Goods building
 
 
Mother Moon Dance
2828 SW Arrowhead Rd
 
 
Studio 62 Art Bar
5648 SW 29th St
 

Midwest Float

Midwest Float

2120 SW Brandywine Ln
Suite 110
Topeka, KS 66614

https://www.midwestfloat.com/

 

Caffeined

New Coffee Shop

714 Gage, Topeka, KS

 

The Healthcare Resort

6300 SW 6th Ave.

Topeka, KS 66615

785-272-2124

http://thehealthcareresorttopeka.com/

The Healthcare Resort of Topeka is changing the way that healthcare is being delivered to the Topeka Metropolitan Area. With the fusion of world-class healthcare and personalized hospitality, you encounter an experience that is truly unique and memorable.

 

Cutting the cord to Cable/Satelite TV Parts 1-3

Part 1

I can remember back in the 80's when cable finally reached our house! I was so excited to have more than 5 channels! Now I am excited about not having cable.  Getting here was not easy though.

2015, I started thinking about getting rid of some of my cable channels. I called Cox and realized that they have quite the racket going on. I was put in a bundle package.  What is a bundle package? Well it is a marketing tool that cons a consumer into thinking they are getting a great deal. It hooks you in to buying services or channels you don't really need to save money. We all know that you aren't saving anything. Oh, they show a big credit but they just mark up the price and then treat their customers like complete idiots. I have to have a home phone and high speed internet for work so I can't cut it off completely. During 2015, I talked A LOT about how I needed to just get rid of cable. I had a good job so the extra $120 a month didn't seem to impossible. Then in 2016, I left that job and went back to not making less money.  In January 2016, I contacted Cox and told them that I wanted to cut my cable off. They were going to cut it off on the bill date which was in 3 weeks. This would give me time to purchase more antennas and Rokus. A few hours after I got off the phone, my cable was shut off. I had just spent 2 hours on the phone making arrangements and Cox wasn't even able to follow their own instructions. I had a party that evening and figured I probably would need television so back on the phone I went to get it turned back on. It only took another hour for them to reconnect my cable but then they said, I had to call back the next day to cancel it again. Just to make sure the people who shut me off wouldn't screw up again.

Well as you can tell, I never called back because I just got busy and was still too use to having cable. By October 2016, I started to stop watching cable and use my Roku more or my smart TV. I really enjoy older show so I can find them on Netflix or the internet. I can use my Chrome cast on any of my TVs to stream movies from my lap top!

I got serious in February of 2017. I started disconnecting the cable boxes from the TVs so it wasn't available for me to use. I was sort of surprised how easy it was to just use the antenna or Roku. There are so many channels on a Roku!  The antenna gives me access to most of the local channels.

So how do you start to cut your cable costs.

First:, if you are a sports fanatic, there currently isn't a free solution for you to view most sports at home. This actually is another way of keeping you connected to your cable or other paid option. I believe this will change in the future.

Second: Having cable, you are being told what you can and can not watch. This isn't always a bad thing for those who have a hard time making decisions. Not having a cable, leaves you 100% responsible in finding something you want to watch. The list of movies, tv shows, and documentaries is endless depending on which way you go. Learning how to search and find shows can take some time, energy and work on your part.

Some people just use an antenna. This is a good option for some. I am struggling with getting channels on my tv so I am still working on finding a better antenna option.

If you currently have cable here are the first steps.

Make a list of all the shows and every channel you watch for two weeks. You will be suprised at how few channels you actually watch.

After two weeks, purchase a Roku for your TV and disconnect the cable box. See which channels you can get on the Roku for free.

Most paid options give you a FREE week so you might want to check those out.

The most talked about paid option is www.Sling.com Here you can get a limited number of channels for less than $25/month. They have sport options but I was told that they black out the Royals games. I have not confirmed that yet!

So to wrap it up! First you must be ready to take control of your TV choices! Next, make a list of all the shows and channels you watch for two weeks. Then, get a Roku for one of your TVs and try to just use the options on there, to watch TV. Many paid options come with a FREE week. You might want to give that a try.

Until next month! Good Luck!

Part 2

So did you take a couple weeks to analyze your television watching habits?

Now, if you don't have a smart tv then you need to purchase a Roku. They start at $30 and go up from there. I have the all different types. I even had to get one with RCA cables since the tv didn't have the other connection.

You also need to purchase an antenna to see which local channels you can get. I am sure there is a local business that would help you install the pretty inexpensive antenna.

Some might just want to cut the cord and hope for the best but getting rid of cable can be hard to adjust to. As I said, you are now in charge of what you watch.

Antenna

The two paid services that I recommend is, Netflix $7.99 for 1 screen, $9.99 for 2 screens and $11.99 for 4 screens and Amizon Prime which is $99/year pr $10.99 a month. It depends on what you like to watch though. Some would recommend HULU.  $7.99 with commericals and $11.00 commercial free.

Most everyone will want to purchase a digital antenna. This sounds fancy but there are a few different types. The most popular one cost $10 to $70 and connects directly to your tv. Your location in Topeka will determine which local channels you can receive. 

 

If you want to get fancier you can install or have someone come and install an outside antenna that conncets to all your tvs. This is a bit more complicated but worth the money in the long run!  

My friend Araon Koker with Electronic Life (Formally KAV and Home Connections) in Topeka and can help with all your antenna plus other electronical needs! For more information and pricing give them a call. 785-232-5966 (store) 785-221-0325 (cell)

I will be honest, the only time I have used my antenna is to watch SNL. I am basically now just using the ROKU. 

Once you get your ROKU you will want to go online and get a ROKU account. If you have more than one television, you will probably end up with more than one ROKU. You will use the one account to register all your ROKUs.

www.roku.com

My Account

Create Account

Once logged in go to My Account and you scroll down to see, My Linked Devices.

Click Link a Device

Type in the code that you see on your television screen.

Description or Name should be which room/tv the Roku is in. 

Now you are ready to use your ROKU.

You can add channels from the website or the ROKU. I find using the website easier.

On the website go to The Channel Store

Some channels require a monthly or annual fee so you will want to pay attention to that.  You can always remove a channel later, if you decide you don't want it.

So, if you have decided to go this far, take this time to shop and find the station that you want to install.

Once you have selected them, you then have to install them on each Roku by updating them. 

Part 3

Now you need to figure out just how much television you want. If you are fine with the antenna, then you are done. If you still want a little more here are the options available.

SLING is pretty cool. You still have to pay but it is affordable and you can get quite a few of your favorite channels.

NETFLIX is probably the most common and many people pay for Amazon Prime and have no clue how many free movies are available.

HULU has a lot of television shows.

Tons of FREE options on your ROKU.

Do you think you feel comfortable enough to call your cable company and cut the cord? 

When you contact your cable company they will offer you a special deal, it is up to you if you want to take it. I did not. I asked them to stop my cable on the next billing cycle date. Once they confirm that this will happen, ask to be transfered to billing. Once transfered, ask the represenative to check and see what your file says. Tell them you cancelled cable and it is supposed to be disconnected on whatever date the first person told you. They will review your file to make sure that your cable will not be disconnected immediately. Both times I cancelled my cable the first person told me it would be in two weeks but my file said immediately. This is just to double check if they actually did it correctly. Then you can ask billing if they can tell you what your next bill will be. Their answer will probably be, no but we actually contacted them to just verify that your subscription cancellation date is correct.

 

Using EverythingTopeka.com

This website is a prototype for an idea that I have been working on for ten years! It is continually changing and I hope to make this the main site for anyone that wants to find something in Topeka to use.

It is being built with those who live in Topeka and the surrounding area but not limited to them.

There are 4 sections to this website.

  1. The Topeka Newsletter is the first part.  It is going through some major overhaul since most of the information can now be found in a better organized manner on the website.  This is free for any locally owned business to use to promote their business.
  2. The Community Calendar is actually the most important part of this website, right now.  Each community should be informed on what is going on. This doesn't just mean the bar scene. When I say informed, I mean fundraisers, sports, daily food and drink specials, sales, entertainment, recreation and anything else going on.  This calendar tries to include anything that the public is invited to. There is no charge to include your events.  We enter all the events so it saves business owners time. They just need to send us the information and we will take it from there.
  3. Everything Topeka is a plethora of information compiled in a map based program.  Here you can search and find different venues in different categories. You can pick one or all categories to search. This search will not find information that is not on the map though so you will need to use the website search function also. It is free to be listed with a simple profile and an affordable way to enhance your listing.
  4. Everything Else is more businesses that are not listed in the Map feature. There is a guide page that actually will lead you in the right direction.  http://everythingtopeka.com/everything-topeka/all-categories  It is free to be listed with a simple profile and an affordable way to enhance your listing.

Searching EverythingTopeka.com

We have 2 different search bars.  We use a program called Hot Spot and it does not integrate with the rest of the website at this time.  So you will need to use both places if you can't find what you are looking for.  Search Articles option will search everything but the maps. It even includes the calendar.

 

 

Thanks for your support!

I am working very hard to try to find out all the great things going on in Topeka  If you know of any event that is open to the public please let me know!  This email address is being protected from spambots. You need JavaScript enabled to view it.

Remember event dates and times can change.  Check out their webiste or give them a call before making plans!

View this newsletter on  www.TopekaNewsletter.com


Please spread the word or forward this email to anyone you believe would be interested in know what is going on in Topeka.  Thanks

Always Keeping You Connected,

Kim

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