Insurance Tips with Amber Thomason

by Amber Thomason by Amber ThomasonStarting a by Amber Thomason by Amber ThomasonStaring a Teaching your kids emergency preparedness Small Business Teaching your kids emergency preparedness Small Business

According to Forbes, more than 500,000 small Weather emergencies may scare your kids, but According to Forbes, more than 500,000 small Weather emergencies may scare your kids, but businesses open each month. If you're looking helping them understand what to expect can businesses open each month. If you're looking helping them understand what to expect can to join the entrepreneurial club, consider this reduce the stress. Carefully go over your family to join the entrepreneurial club, consider this reduce the stress. Carefully go over your family planning guide for starting a small business. emergency plan and teach them how to stay safe planning guide for starting a small business. emergency plan and teach them how to stay safe Laying the groundwork whatever the disaster. Laying the groundwork whatever the disaster.

It's important to have a well-developed business proposal that Getting your family prepared for any disaster It's important to have a well-developed business proposal that Getting your family prepared for any disaster meets an untapped need. Follow these steps to think yours through: 1. Decide on a business idea. Think about your strengths and interests: What could you do forever? What could you never do? How do you feel about interacting with people or spending your time at a desk? Ask yourself these questions to narrow down your business ideas and options. 2. Research market demand and competition. You should feel confident that your product or service will have a hungry audience and that you can offer it in a better way than your competitors. 3. Write your business plan. You'll need the following components: • Executive summary • Organization and management Complete the following with your family so severe weather doesn’t catch you off guard: • Create an emergency supplies kit. Include a threeday supply of water, nonperishable food, flashlights, blankets and kid-friendly activities. The Red Cross provides a listing of emergency supplies to help you prepare. • Practice your emergency plan. Include two evacuation routes, a safe room and two different meet-up locations — and make sure kids can run through it calmly. • Run through the basics. Kids should know how to call 911, identify themselves, identify their location, reach emergency contacts and get to predetermined safe locations. meets an untapped need. Follow these steps to think yours through: 1. Decide on a business idea. Think about your strengths and interests: What could you do forever? What could you never do? How do you feel about interacting with people or spending your time at a desk? Ask yourself these questions to narrow down your business ideas and options. 2. Research market demand and competition. You should feel confident that your product or service will have a hungry audience and that you can offer it in a better way than your competitors. 3. Write your business plan. You'll need the following components: • Executive summary • Organization and management Complete the following with your family so severe weather doesn’t catch you off guard: • Create an emergency supplies kit. Include a threeday supply of water, nonperishable food, flashlights, blankets and kid-friendly activities. The Red Cross provides a listing of emergency supplies to help you prepare. • Practice your emergency plan. Include two evacuation routes, a safe room and two different meet-up locations — and make sure kids can run through it calmly. • Run through the basics. Kids should know how to call 911, identify themselves, identify their location, reach emergency contacts and get to predetermined safe locations. • Funding requests Teach your kids the various severe weather conditions • Funding requests Teach your kids the various severe weather conditions •• Company description Company description • Service or product line Teach your kids about the different natural disasters and how • Service or product line Teach your kids about the different natural disasters and how • Financial projectionsto react in each. • Financial projectionsto react in each. • Market analysis• Tornado. If you are in the path of a tornado, go into a • Market analysis• Tornado. If you are in the path of a tornado, go into a • Marketing and sales plan tornado safe place. This is typically the lowest level of • Marketing and sales plan tornado safe place. This is typically the lowest level of 4. 4. Separate your business and personal expenses. While it the building and stay away from windows, doors and Separate your business and personal expenses. While it the building and stay away from windows, doors and can be tempting to keep all your finances together, especially outside walls. If you are outside with no car or nearby can be tempting to keep all your finances together, especially outside walls. If you are outside with no car or nearby when there aren’t too many biz expenses at the beginning, it shelter, lie down in a ditch and protect your head. when there aren’t too many biz expenses at the beginning, it shelter, lie down in a ditch and protect your head. won’t be simpler down the road. • Severe thunderstorm. If you have advanced notice won’t be simpler down the road. • Severe thunderstorm. If you have advanced notice

Setting up shop

Setting up shop • that a severe storm is heading your way there are Before getting your small business up and running, you'll • that a severe storm is heading your way there are Before getting your small business up and running, you'll ways to be more prepared. If a storm is sudden, go need to complete the following legal requirements. Consult ways to be more prepared. If a storm is sudden, go need to complete the following legal requirements. Consult indoors if you see lightning or hear thunder, and don’t an attorney and/or accountant for guidance relevant to your indoors if you see lightning or hear thunder, and don’t an attorney and/or accountant for guidance relevant to your use items that plug into electrical outlets. Avoid using specific situation.use items that plug into electrical outlets. Avoid using specific situation.running water, as faucets can conduct electricity. running water, as faucets can conduct electricity. 1. • Earthquake. Practice the “Drop, Cover and Hold On”Decide your business structure. Is your business a sole • Earthquake. Practice the “Drop, Cover and Hold On” 1. Decide your business structure. Is your business a sole method, and learn to recognize safe places in each proprietorship or a partnership? The Internal Revenue method, and learn to recognize safe places in each proprietorship or a partnership? The Internal Revenue room at home and at school. Service (IRS) can provide more information on types of room at home and at school.

Service (IRS) can provide more information on types of • Hurricane. When you know a hurricane is expected, business structures. • Hurricane. When you know a hurricane is expected, 2. business structures.prepare your home for the possibility of impact. Most states require you to apply for one or more licenses, prepare your home for the possibility of impact. 2. Most states require you to apply for one or more licenses, During the storm stay away from glass windows and permits or identification numbers. Learn more about the During the storm stay away from glass windows and permits or identification numbers. Learn more about the doors, and be ready to follow hurricane evacuationsmall business requirements for your state. doors, and be ready to follow hurricane evacuation 3. small business requirements for your state. instructions from emergency officials if necessary. If you plan to employ people to help run your small instructions from emergency officials if necessary. 3. If you plan to employ people to help run your small • Flooding. Don’t go into flooded areas. Just six inches business, you'll need to apply for employee identification • Flooding. Don’t go into flooded areas. Just six inches business, you'll need to apply for employee identification of moving water can knock you off your feet, and numbers through the IRS.of moving water can knock you off your feet, and 4. numbers through the IRS.standing floodwater could be contaminated or Determine whether you will use the calendar year or a standing floodwater could be contaminated or 4. Determine whether you will use the calendar year or a contain sharp objects. If your car is affected in the fiscal year for taxes.contain sharp objects. If your car is affected in the fiscal year for taxes. storm, assess the damage.storm, assess the damage.

Also talk to your State Farm® agent about special small Also talk to your State Farm® agent about special small business insurance needs. You'll want to do your best to protect the investments you've made, and important coverage can vary by business. We are small business owners Also, being prepared with a Home Inventory might be helpful if you need to file an insurance claim in the case of lost or damaged possessions, help secure a settlement, and prove useful when verifying property loss for taxes. business insurance needs. You'll want to do your best to protect the investments you've made, and important coverage can vary by business. We are small business owners and would love to help you get started on your dream today. Also, being prepared with a Home Inventory might be helpful if you need to file an insurance claim in the case of lost or damaged possessions, help secure a settlement, and prove useful when verifying property loss for taxes. and would love to help you get started on your dream today.

Amber Thomason and her staff have over 15 years of Amber Thomason and her staff have over 15 years of insurance Amber Thomason and her staff have over 15 years of Amber Thomason and her staff have over 15 years of insurance and financial service experience and would love the opportunity to earn your business. Come home to a local agent that is dedicated to the life and needs of her customers. 221 Thompson insurance and financial service experience and would love the opportunity to earn your business. Come home to a local agent that is dedicated to the life and needs of her and financial service experience and would love the opportunity to earn your business. Come home to a local agent that is dedicated to the life and needs of her customers. 221 Thompson Dr., Kerrville. 830-315-5433. insurance and financial service experience and would love the opportunity to earn your business. Come home to a local agent that is dedicated to the life and needs of her Dr., Kerrville. 830-315-5433. customers. 221 Thompson customers. 221 Thompson Dr., Kerrville. 830-315-5433. Dr., Kerrville. 830-315-5433.

FROM TOP TO FROM TOP TO

Residential & Commercial Residential & Commercial New Construction New Construction Moving Cleans Moving Cleans Excellent References Excellent References 830-777-0402 830-777-0402

Anxiety? Depression? Trauma? Recovery? Women’s Mind-Body Group Therapy Anxiety? Depression? Trauma? Recovery?

Psychotherapy for Adults & Teens Psychotherapy for Adults & Teens Our minds and bodies are connected. When professionals treat them separately,

Lunch Mind/Body Presentations @ Your Business Lunch Mind/Body Presentations @ Your Business we remain disconnected. Disconnected from self, others, God, and life.

Mindfulness On Paddle Boards Home Studies/Adoption Evaluations Mindfulness On Paddle Boards Home Studies/Adoption Evaluations Strong Body + Balanced Mind = Happy Life Join us in becoming One. Group Therapy $50 Insurances Accepted BCBS, Ambetter, Medicaid, WebPTA Insurances Accepted BCBS, Ambetter, Medicaid, WebPTA (LGBT Welcome) 320 Jefferson St., Kerrville, 830-285-5095 320 Jefferson St., Kerrville, 830-285-5095 MindBodyTraining.Net

CardwellTherapy.com CardwellCounseling@yahoo.com CardwellTherapy.com CardwellCounseling@yahoo.com 320 Jefferson St., Kerrville, 830-285-5095

You don’t have to suffer with...

• Vaginal dryness • Urinary incontinence • Light bleeding after intercourse • Discomfort with intercourse • More urinary tract infections • Vaginal burning • Vaginal discharge • Genital itching • Burning with urination • Urgency with urination

A subsidiary of Genesis Gynecology, PA

Visit MonaLisaTouch.com

Finally there is a treatment. Quick. Painless. Effective.

Call today for your confidential consultation. Voted Best Gynecologist

"Women everywhere are calling this life-changing." “Women everywhere are calling this life-changing”

Dr. Kerri Truelock 830.792.0805 176 Fairway Dr., Kerrville

Matthew C. Lambiase, DO, FAAD Board Certified: American Board of Dermatology Fellow, American Academy of Dermatology Diplomate, American Board of Dermatology

Precision Dermatology Staff

Matthew C. Lambiase, DO, FAAD

Acne · Eczema · Hair Loss · Rashes Mole Examination · Psoriasis · Rosacea · Warts Skin Cancer (evaluation & treatment) Photo Dynamic Therapy Facial Rejuvenation (Botox, Fillers, Kybella) Spider Vein Treatment

Dr. Lambiase achieved the rank of Major in the United States Army. He served on active duty as Chief Dermatologist at Darnall Army Community Hospital (Fort Hood, Texas) and then at William Beaumont Army Medical Center (Fort Bliss, Texas).

Now offering CareCredit Accepting new patients and all insurance, including Medicare and Tricare. Same day appointments. 712 Hill Country Drive, Suite 100 Kerrville 830-890-5181

Some Things Are Difficult to Face

Putting things off never makes things easier—only harder.

Families often think it best to only talk about funerals when the time comes. Actually, if you take care of things now, your family won’t have to take care of things later when it’s difficult for everyone.

That’s why more and more people are talking about funeral arrangements in advance— because they care about their family. Grimes Funeral Chapels

KERRVILLE • BANDERA GrimesFuneralChapels.com

728 Jefferson Kerrville TX 78028 830-257-4544

RESTAURANT

Downtown Kerrville at the Star !

Our menu features enough variety to cater to every palate, including steak, seafood, and Mexican food.

Indoor and Outdoor Dining

Lunch 11 - 3 Mon - Sat Dinner 5:30 - 9 Thurs - Sat

201 Earl Garrett ● Kerrville ● 257-2995