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AUGUST 2022
GET YOUR FIX FROM REPAIRS TO CUSTOM BUILDS, TAYLORED PC’S GETS CUSTOMERS UP AND RUNNING
FUR THE BRAND LOCAL NONPROFIT HELPS TO BATTLE CANINE CANCER NAVIGATING THE CURRENT HOUSING MARKET DIRK WEBSTER WITH RUOFF MORTGAGE SHARES SOME SENSIBLE ADVICE
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765.455.1222
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FUR THE BRAND
Local Nonprofit Helps to Battle Canine Cancer
10
NAVIGATING THE CURRENT HOUSING MARKET
Dirk Webster With Ruoff Mortgage Shares Some Sensible Advice
16
PAWPULAR PETS
BACK TO SCHOOL
11
Seven Tips for Parents
GET YOUR FIX
From Repairs to Custom Builds, Taylored PC’s Gets Customers Up and Running
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LOOKING TO BUY OR SELL? CUSTOM MOVES REAL ESTATE IS HERE TO HELP!
NICCI PERKINS
765-271-9088 | nicci@custom-moves.com (765) 454-0689 | Mon-Fri 8AM-5PM
201 W. Morgan | Kokomo, IN 46901
Make your next move a Custom Move!
www.custom-moves.com
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opening doors.
We’re here for you!
Ruoff Mortgage helps people discover, finance and move into their homes with confidence. We know the way home. We’ll walk there with you.
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Contact me today to get started.
Dirk Webster
VP, Branch Manager | NMLS: 562084
765.271.1918
dirk.webster@ruoff.com dirkwebster.com | theruoffteam.com Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www. nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and pricing are subject to change at any time and without notice. Equal Housing Lender. NMLS #141868. 07062022
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New classes start August 22. Apply for free today at IvyTech.edu/applynow.
FUR THE BRAND
LOCAL NONPROFIT HELPS TO BATTLE CANINE CANCER Writer / Megan Arszman Photographer / Amy Payne
If there’s a furry animal somewhere nearby, you can almost guarantee that Samantha McAfee will find it and either try to feed it or give it some love. There’s a reason why she grew up with the name Snow White, and it’s because of her deeply ingrained love
for all animals - wild and domesticated. It’s because of that love that she started her foundation to help dog owners battle canine cancer.
is dedicated to assisting with treatments related to canine cancer. It all started because of McAfee’s beloved pup Valerie, and her battle with cancer.
Fur The Brand is a nonprofit foundation run by McAfee and her two best friends, Noelle Norwood and Mystica O’Connor, out of Hamilton County. The national foundation
“Her first round of surgeries, I was a mess,” McAfee says. “I was emotionally drained. I just kept thinking about growing up, knowing my parents wouldn’t be able to
TownePost.com / AUGUST 2022 / KOKOMO MAGAZINE / 7
Founder & CEO Samantha McAfee
pay the extra bills, there would be no way I could afford to pay for any of the treatments she needed.”
VISIT BLOOMINGTON
To McAfee and her husband, former Indianapolis Colts punter and multimedia mogul Pat McAfee, their seven animals are their children, and Valerie is a lot like her firstborn. The couple spent their honeymoon trying to think of what they could do to help other dogs battling cancer like Valerie. “Being an animal lover, I was first thinking of how I could help the animals, but then I got to thinking - why can’t I help the person too?” McAfee says. “I needed to be able to do both.” That’s how Fur The Brand was born. The company name is inspired by For The Brand, a slogan Pat incorporates into his marketing and products. Fur The Brand helps to pay for cancer treatments. “This helps the dog fight the cancer while relieving the financial burden on the owners, so they can just be there for the dog,” McAfee says. At the height of the COVID pandemic in 2020, McAfee went to work learning all about running a foundation and how
8 / KOKOMO MAGAZINE / AUGUST 2022 / TownePost.com
to start fundraising. While the National Canine Cancer Foundation exists for research and medication development, McAfee has not been able to find another foundation like her own. In just over a year, Fur The Brand has helped 14 dogs from Indiana, Illinois, Iowa, Pennsylvania and Texas. Each cancer treatment might cost an owner $5,000 to 10,000. “We’ve heard a lot of stories from owners saying they had to pick up second jobs or work overtime to be able to afford treatment for their dogs, so to know that we’re able to help them be home more with their dog to enable the healing process is huge for me,” McAfee says. If an owner is looking for assistance from Fur The Brand, they start with an application process available on the official website. Applicants must fill out the form and a veterinarian authorization form that allows the foundation team to speak with all treating veterinarians to discuss the dog’s illness. Photos of the dog and a treatment estimation are also requested for the next step. After discussing the dog’s health and the honest chances of the dog pulling through, Fur The Brand’s team, which consists of Bridget Davis, Brandy Allen-Harveth and Rachel Hickey, then reviews the month’s budget and decides how to best spend that money. “We haven’t really turned anyone away yet, except for those that don’t fill out the entire application process,” McAfee says. “I feel like the bigger we get, the more we’ll have to tighten the rules as to whom will get the funding.” Funding for the foundation comes mostly from donations accepted via the website’s PayPal link. Fur The Brand was able to host one formal fundraiser early in its inception called “Dinner for the Dogs,” which was a four-course meal with cocktail pairings. McAfee is planning on one more big fundraiser this year, a gala in November, which happens to be National Pet Cancer Awareness Month.
is available on the official website, with proceeds going towards the foundation. McAfee is working on a sponsorship program in hopes that local and even national groups will work with the foundation to help more dogs nationwide.
are hard days. There are multiple times that we’ll get stories and we just sob. At first I wanted to spend all of our money helping everybody I could, but my friends have been able to wrangle me in and help me work on a budget. I still have some learning to do, but this has been very fulfilling.”
“We hit the ground running last year, and it’s just been really cool to be able to help To learn more about Fur The Brand and dogs and their owners,” McAfee says. “There how you can help, visit furthebrand.com.
1/2 PAGE (ISLAND)
iheartkokomo.com
Currently, Fur The Brand merchandise TownePost.com / AUGUST 2022 / KOKOMO MAGAZINE / 9
Pawpular Pets KOKOMO’S CUTEST 4-LEGGED FRIENDS
ALICE
ANATOLIA
ATHENA BEAN
BAYLEE
BEAR AND SADIE
BELLA, LUNA & LEXI
BLUE
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BRODY & OLIVER
BUSTER
DAISY MAE
765-457-7558 | 1732 S. Washington St.
HOME • AUTO • LIFE • BUSINESS 10 / KOKOMO MAGAZINE / AUGUST 2022 / TownePost.com
Cora Ray, Josh Taylor, Patty Buckwalter
GET YOUR FIX FROM REPAIRS TO CUSTOM BUILDS, TAYLORED PC’S GETS CUSTOMERS UP AND RUNNING
Writer / Matt Keating Photography Provided
Josh Taylor, owner of Taylored PC’s, says he knows what it’s like when clients have computers that aren’t working, and have deadlines to meet. “We are really fast when it comes to computer repair because we also know you
need to get back to work,” Taylor says. “You are not getting your emails or your work done. We can get you back to work because we are fast.” Taylor says it’s been that way since the business started 19 years ago.
we also do virus removal to keep your computer or laptop running smoothly,” Taylor says. “If you are not sure about spyware or malware, we can take care of it. We can clean your computer or laptop, and have them run more smoothly after we have worked on them.”
“We not only do a lot of repair work, but
Taylor adds that if a customer feels their
TownePost.com / AUGUST 2022 / KOKOMO MAGAZINE / 11
Memberships available to anyone in Howard and Tipton counties.
Becoming a member at City of Firsts Community FCU has never been easier.
1/2 PAGE (ISLAND)
computer system has been compromised, they shouldn’t hesitate to get it in for a cleanup. He says quick turnaround has led to recommendations from customers to their family and friends. He and his staff can also custom-build computers to fit a customer’s specific needs. “We offer a warranty with the custombuilt computers we make for our customers,” Taylor says. “Customers have different tastes and we work with them to get them exactly what they need. We tell people that we are solution-focused and we want them to be very happy with our work. We offer very friendly customer service and we want to keep getting positive customer referrals.” Taylor says they take some trade-ins and apply the value towards the purchase of a new system.
Come in and open a savings account with us for $5 and you are a member for life. We offer credit cards, loans, deposit accounts, and more!
Serving YOU in Howard and Tipton counties for 84 years. 765-459-0758 | www.coffcu.org | 1120 South Main Street, Kokomo, IN 46902 12 / KOKOMO MAGAZINE / AUGUST 2022 / TownePost.com
“We buy and sell new, used and refurbished equipment,” Taylor says. “We have had a lot of customers tell us they have been very happy with this. We have inventory here but not a lot of overhead.” The prices are also reasonable. “Our hourly rates are $85 an hour, and the virus removal is $25 to $85 an hour,” Taylor says. Taylor also does a lot to support the
Kokomo community. He has sponsored a race car, Gamblin Racing 19, and helped Wrangler & Friends with their laptops. Wrangler & Friends offers horse riding lessons, camps, workshops, therapeutic riding and more. Taylored PC’s has sponsored toy car racing at Backyard Raceway, and has been a sponsor at the TARCAR Memorial Race as well as many other races. Taylor has volunteered and donated to We Care for a very long time. He and his staff are very much involved with We Care events. Taylor has also been in a co-op business with Cora Ray from Just Fix It. She comes in and takes care of phones, tablets, game systems and more. She has been a great addition to the services provided at Taylored PC’s. Taylor is always looking forward to meeting
new customers. “We do a lot of small-business networking and we have a nice storefront,” he says. “We welcome walk-in customers and we are open from 8 a.m. to 4 p.m., Mondays
through Fridays. Our prices and availability on all parts are subject to change daily.” Taylored PC’s is located at 421 West North Street in Kokomo. For more info, call 765450-6561 or visit tayloredpcs.com.
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NORTH CENTRAL POWER $100 gift card with purchase of a zero-turn mower. Valid 8/01-8/31. One coupon per person
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TownePost.com / AUGUST 2022 / KOKOMO MAGAZINE / 13
Faith Ables, Laura Roberts, Kayla Hudson, Dirk Webster, Madi Roswog and Makayla Moyers
NAVIGATING THE CURRENT HOUSING MARKET DIRK WEBSTER WITH RUOFF MORTGAGE SHARES SOME SENSIBLE ADVICE
Writer / Noah Alatza Photography Provided
As the Federal Reserve raises interest rates to the highest levels in years, local economic experts are sharing advice on how to curb inflation and economic pain for consumers. From gas to food, car and home prices, almost everything seems to have been touched by inflation, as Americans look ahead to a
path out of the pandemic. In an effort to cool inflation, the Federal Reserve has been raising key interest rates at a rapid pace, but that also means the cost for a home mortgage has increased. Dirk Webster, current Ruoff Mortgage vice president and manager for the Kokomo branch, says there are many ways consumers can fight off high inflation and soaring interest rates.
14 / KOKOMO MAGAZINE / AUGUST 2022 / TownePost.com
“WHILE PROPERTY VALUES ARE UNLIKELY TO CONTINUE THE RAPID APPRECIATION WE’VE SEEN IN RECENT YEARS, THEY ARE UNLIKELY TO DEPRECIATE MUCH. SO IT STILL MAKES SENSE TO BUY THAT NEW HOME TODAY, AND IF RATES EVENTUALLY DROP AGAIN IN THE FUTURE, YOU CAN ALWAYS REFINANCE AT THAT TIME.” —DIRK WEBSTER
Dirk Webster
Faith Ables
Kayla Hudson
Laura Roberts
“Down payment assistance is still readily available for qualified borrowers,” he says. “For borrowers that meet certain income criteria, they can get up to 6% in down payment assistance that can be used towards down payment and closing costs. That helps people get into homes sooner than if they had to save that money themselves.”
consider buying down your interest rate by paying points. “If a couple is buying their dream home and fully intends to remain in their new house for the long haul, it might make sense to discuss buy-down options with your lender,” Webster says. “Paying a little more up front could potentially save thousands of dollars over the life of the loan.”
Webster says that rates have been so low for so long, that it’s difficult for buyers in today’s market to understand that historically speaking, today’s rates are still very low.
Webster also states that for the first time in a long time, people are inquiring about adjustable-rate mortgages (ARMs).
“Today’s rates are still quite low, just not crazy-low like we saw for the past couple of years,” he says. “While property values are unlikely to continue the rapid appreciation we’ve seen in recent years, they are unlikely to depreciate much. So it still makes sense to buy that new home today, and if rates eventually drop again in the future, you can always refinance at that time.” “Twelve months ago we were seeing rates in the twos and threes, and now we are in the high fives and low sixes,” he adds. Webster says people need to start being more mindful about budgeting during these uncertain times. “Consider seeking the help of a financial planner to come up with a budget, and then stick to it,” he says. There are a couple ways to combat today’s higher rates. First,
“An ARM is also an option because they typically start out lower than a fixed rate would,” he says. “With an ARM, the initial rate will be fixed for a specified period of time, but after that the borrower’s payment will adjust to the market conditions at that time. This means their monthly payment could potentially increase in the future. That’s the risk of an ARM.” Now more than ever, credit scores are extremely important, according to Webster. “Building and maintaining a good credit score will help a person secure the best interest rate available,” he says. “This not only helps them save interest during the life of the loan, but it could potentially allow them to buy a more expensive home.” For more tips and to learn more about Ruoff Mortgage, visit theruoffteam.com.
TownePost.com / AUGUST 2022 / KOKOMO MAGAZINE / 15
BACK TO SCHOOL SEVEN TIPS FOR PARENTS Writer / Aimee MacArthur Photography Provided
Center Road Church of Christ
Ce899 ntWest er R300 oaSouth d Church of Christ Kokomo, 899 W.IN3046902 0 S., Kokomo, Indiana www.centerandpark.org
SUMMER EVE LoviCnlgoPseeroTpoleCOhnreisSt tep 1/4 PAGE HORIZONTAL
RSVP with the number attending to our email: info@centerandpark.org
You are invited on: August 17th, 5:00 - 8:00 p.m. Ages 3 years - 6th grade Dinner will be provided
We will do lots of experiments and projects and explore what the Bible says about how to treat others.
16 / KOKOMO MAGAZINE / AUGUST 2022 / TownePost.com
I
t’s that time of year again. School is starting and families are slowing getting back to new routines. There is a lot to do in a short period of time and it can be stressful. Believe me, it doesn’t have to be. Here are seven tips to help parents get ready for a new school year. You can do it! We’ve got this!
CLEAN OUT CLOSETS Who doesn’t love a closet purge? Yes, it can take some time, but it can be refreshing to get rid of things and organize. I always feel better with less stuff around the house. Schedule a day at least a few weeks before school starts to go through your kids’ closets. Take everything out of closets, dressers and storage so you can see what there is to sort through. Ask your kids to help by taking time to try on clothes, shoes and other accessories. Decide what to keep, repair, and give away to friends and family or donate. When you’re finished, organize clothes, shoes and accessories you plan to keep for each kid. Enlist your kids’ help to reorganize their closets. Reward your kids with a movie night or other special treat for their help in this process.
INVENTORY SCHOOL SUPPLIES
SCHEDULE APPOINTMENTS
I’ve always loved to shop for school supplies. I admit I tend to buy way too much or repurchase what I already have on hand. In order to save time and money, gather and organize school supplies. Check to see if your kids have any unused supplies from last year that can be used this school year. See what needs to be kept, tossed or donated. Ask your kids to help you.
Set aside time to schedule dentist and doctor appointments. It is important to make sure physicals and immunizations are updated for each kid. If your kids are playing sports this school year, make sure to bring sports physical forms to the doctor appointment so they can be completed at the office.
MAKE A MASTER LIST AND GO SHOPPING Keep a list of what you need to buy for each kid. I have a friend who separates the list by kid and what each kid needs. Plan to set a certain amount to spend per kid. My friend also lets her kids buy something on their wish list (a pair of shoes or an item of clothing) at their favorite store. This is an extra-special reward for help with organizing closets. You can also save time and money by purchasing what you can online. When you go shopping at a store, try to go in the morning or early evening, when the stores are less crowded.
It’s also a good time to make haircut appointments. A new haircut, even it’s a trim, is a fun experience and a way to boost a kid’s self-confidence.
COMMUNICATE WITH YOUR KIDS ABOUT THE NEW SCHEDULE Hold a family meeting and go over the kids’ new schedules for transportation such as bus and school pickup and drop-off, and carpools. Talk with your kids about your expectations for what you would like them to do to get ready for school each day. Think about what each kid is able to do and what is age-
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appropriate. You might ask your kids to prepare their own lunches and snacks, and lay out clothes and backpacks, the night before. Discuss what will work best for each kid and your family.
and is aware of changing schedules. Make sure all family numbers and emergency numbers are set up in each kid’s phone. A family I know also recommends sharing a family calendar on Google or another application.
A friend of mine uses a family chore chart and reward system displayed in the CELEBRATE THE NEW kitchen with assigned tasks so each kid knows what is expected. This system may SCHOOL YEAR not work for everyone, and that’s OK. You A new school year is a reason for celebration. will find what works best through trial Have a dinner at home or at a restaurant to and error. celebrate with the entire family. Congratulate your kids on their hard work getting ready If your kids have phones, set up a group for school and thank them for all of their text so the family can easily communicate help. Discuss what everyone in the family is
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looking forward to, and try to ease any nerves your kids might have about a new school year. It is a time to be positive and help to encourage your kids for a successful school year. Think positive.
DON’T STRESS I tend to overthink and worry about what I did not get completed. I try and remind myself that not everything will get done, and that’s OK. No one is perfect. Focus on what absolutely has to be done before school starts. If you do need some help, don’t be afraid to ask friends or family members to pitch in when they can.
Residential & Commercial Flooring Family Owned & Operated
Carpet • Vinyl 1/3 PAGE HORIZONTAL Ceramic • Laminate LVP • Hardwood 1301 E Morgan St, Kokomo | Mon-Fri 9a-5p 18 / KOKOMO MAGAZINE / AUGUST 2022 / TownePost.com
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White Lilies N Paradise
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15% OFF
333 N. Phillips St. Kokomo, IN 46901 765-459-0637 whiteliliesinparadise.com
20% 1/8 PAGE AD
OFF YOUR ORDER
Must present coupon. Valid 8/01-8/31. One per customer.
VALID 8/1-8/31 ONLY
Mon-Fri 9am-5pm; Sat 9am-1pm
$50 off $500 $20 off $250 $10 off $100
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Valid 8/01-8/31 One coupon per customer
northcentraloutdoorpower.com 1947 S. Elizabeth St. Kokomo 765.457.1633
We Keep You On The Road.
FREE POPCORN AND COFFEE
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VETERANS/FIRST RESPONDERS DISCOUNTS
$5 off our Farmhouse Fresh Seasonal Spa Facial $5 off 1 hour Deep Tissue Massage or Sports Massage
1/8 PAGE AD Expires 8/31/2022
765.450.4602 |116 N. Dixon Rd healinghandskokomo | healinghandskokomo.net
WE HAVE ISSUES! YOU CAN TOO! 1/8 PAGE AD
1116 S. Leeds St • 765-252-3211 • Veteran Discounts
22 / KOKOMO MAGAZINE / AUGUST 2022 / TownePost.com
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