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TALK TO TAMMY Happy New Year Everybody! It’s that time of year when we make our “lists”. So, I thought Mustang and I would help you with the
TOP 10 THINGS YOU SHOULD DO FOR YOUR REAL ESTATE THIS TIME OF YEAR.
1
Test smoke detectors and clean and/or vacuum smoke detector openings as needed. Change batteries.
6
Check weather stripping on exterior doors and repair or replace as necessary
2
Clean or replace air filters and calendar it for the first of each month.
7
Test and reset all GFCI receptacles.
3
Purchase one large and one small fire extinguisher and learn how to properly use. Check for full charge.
8
Garbage disposal – clean disposal blades by grinding up ice cubes; freshen by grinding up citrus rinds or using baking soda.
4
Clean chimneys on wood burning fireplaces to remove tar and creosote buildup on flue.
9
Vacuum refrigerator grills and built-in icemaker grills.
5
Check caulking. Seal up those gaps!
10
Review watering times on irrigation system to prevent over-watering.
And of course, walk your dog as much as you can – because they will not be at the gym with all of the first-of-the-year diehards and probably need exercise too. Remember, we are a full-service residential real estate firm, here to help you with all of your real estate needs! Just give us a call.
HAVE A REAL ESTATE QUESTION FOR TAMMY? 713.461.7070 | tammy@tammybateman.com | www.tammybateman.com
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PUBLISHER Juliet Hubbell
EDITOR Nancy Moreland
ASSISTANT EDITOR Tamara Abel
January 2016
ART DIRECTOR Adra Staord
ADVERTISING DIRECTOR Ann Greer
CONTRIBUTORS Byron Barclay Tammy Bateman Audrey Boutros Karen Bunch Newt Harlan Bobby McCallitt Anice Shelton Susan Scott Watts
CONTENTS
4
Reader correspondence, editorial submissions and advertising inquiries are welcome.
REAL ESTATE
Talk to Tammy
HUMORIST
Honest Lies and Misguided Thoughts
6
ads@UltraMagTexas.com
PETS
Parvovirus in Puppies
8
EDITORIAL SUBMISSIONS
2
Top 10 Tasks to Start the New Year
ADVERTISING INQUIRIES
The Missing Caboose
Prevention, Characteristics and Treatments
editor@UltraMagTexas.com
SPORTS
College Football Playoffs
13
BABY BOOMERS
The Healthcare Provider You Need to Know
15
FOOD
Bon Appetit
17
BEAUTY
New Treatment Eases Signs of Cellulite
21
TRAVEL
5 Tips to Protect Your Devices from Cybercrime 23 Very Important Steps to Secure Your Data
LEGAL
DEED Upon Death in Texas
25
HEALTH
Why an Orthodontist
26
Eight Teams Compete for The Crown
The Role of Physician Assistants in 2016
Stocks and Bone Broths
FDA Approves New Option
New Law in Effect
Differences Between Dentists and Orthodontists
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ULTRA HUMORIST
The Missing Caboose Honest Lies and Other Misguided Thoughts By Newt Harlan
How many of y’ all remember the caboose? Perhaps, I should ask how many of y’ all their use overseas was sometimes limited, in the United States from know what a caboose is? Caboose may be another word destined to slip from our the 1830’ s until the 1980’ s, just as sure as a train had a locomotive language due to lack of use - both of the word and the caboose itself. at the front, the very last car would be a caboose. That was almost as dependable as the sun coming up. In fact, if a train passed without One day last week, I was on my way to an appointment when, as often happens, I a caboose, it would cause great speculation among the gang sitting had to stop at a railroad crossing to wait for the train to pass. This wasn’ t unusual, around in the feed store by the railroad tracks. You’ d hear things like, except for the first time in quite a while, I was the first in line and the train turned “there must’ ve been a de-rail back up the line and they had to bring out to be one of those creepy-crawly things that seem to take forever to clear the the front part of the train on in” or “I reckon that old engine just crossing. I amused myself by looking at the graffiti painted on the cars and reading couldn’ t pull the grade out of them San Jacinto River bottoms and the information about when each car was built, when new brakes were installed, had to split his train up to what kind of cargo it was supposed to carry and all that other important-looking make it--you’ ll probably see him a-goin’ back for the rest just as soon stuff they paint on the sides of railcars. I wonder if anybody actually reads all this as he gets this part pulled over up yonder at Victor Switch.”Ofcourse, stuff besides bored people waiting for the train to pass. Even the graffiti was pretty all this speculation would inevitably lead to arguments about who much boring for the most part, although two or three cars appeared to have been knew what about railroads and what really was going on, until finally painted by some punks with a little bit of artistic talent. Anyway, the last car finally they’ d send one of the boys over to the depot to ask the stationmaster, passed and, as is usually the case lately, I was disappointed because there was no Mr. Lee, why the train didn’ t have a caboose. caboose. In its place there was just some sort of a “little-black-box” with a red light and antennae attached to the coupling mechanism of the last car...what a letdown. The caboose was a special type of railcar that was used at the end of freight trains. It evolved from a shanty built onto a flatcar or a I can remember when the caboose was an integral part of every freight train. While compartment built into a boxcar to the familiar car with the cupola 6
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on the top or bay windows on each side that we looked for at the end of every train. The function of a caboose was to serve as the “office” for the train’ s conductor to keep his waybills and do other paperwork and as quarters for the trainmen at the rear of the train. The cupola or bay windows enabled the trainmen to keep a lookout on the cars ahead of them in the train for the smoke of “hot-boxes” (dry axle bearings) and other safety concerns, which could possibly cause derailments.
plus the caboose carried no freight, hence produced no revenue and that all subtracted from the railroad’ s bottom line. Faster trains and new work rules reduced the size of train crews from the original seven or eight down to three or four people that new, larger locomotives are able to accommodate comfortably. It wasn’ t long before even a first-year bean counter could see that the caboose was a cash-gobbling albatross and soon they started to be eliminated.
However, probably one of the most important, though unstated functions of the caboose was the comfort factor it provided for the onlookers. Harried parents would tell their fussy kids while waiting for a slow-moving freight to pass a crossing, “y’ all look for the caboose” or “if you don’ t hush up that whining, the caboose won’ t ever come.” In fact, at one time the phrase, “when’ s the ‘ boose coming?”ranked right up there with “when are we gonna be there?”and “I gotta go to the bathroom,” as the things most often heard when traveling with children. Plus, the men in the caboose always seemed to have time to wave to onlookers as they passed by. Everyone enjoyed waving back and it seemed to give them a warm-fuzzy feeling that all was right with the world.
The caboose was replaced with electronic devices called “End Of Train” devices, or EOTs, also called “Flashing Rear-End Devices” or FREDs, which today monitor the ends of freight trains. The EOTs/FREDs are mounted on the coupler of the last car in the train and are connected into the train’ s air brake line.
Alas, the caboose became another victim of so-called progress. Air brakes eliminated the necessity of setting brakes by hand, roller bearings reduced the likelihood of “hot-boxes”causing problems, automatic signals and electronic switching took over other duties, and computers eliminated the need to store and track much of the conductor’ s paperwork. Government regulations caused cabooses to have issues with things like sewage, food handling, safety glass and other things,
With the introduction of the FRED, the conductor moved up to the front of the train with the engineer and year-by-year, cabooses faded away. Very few cabooses remain in operation today. I suppose all these technical advances and modernization are good for the railroads, but it still just doesn’ t seem right for a train to pass by and not have a caboose at the end -- besides, these new-fangled FREDs don’t wave when they pass by.
The FRED radios information to the engineer about air brake pressure, the speed at the end of the train and the direction in which it is moving, and other data concerning the operation and safety of the train. The FRED also allows the engineer to set the air brakes on the rear of the train in the event of an emergency when the rear part of the trains becomes uncoupled.
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Parvovirus in Puppies
College of Veterinary Medicine & Biomedical Sciences, Texas A&M University
Vaccinations can prevent many illnesses in puppies, but viruses such as canine parvovirus are still a threat to dogs with developing immune systems. Young puppies often have immunity against the virus because they get antibodies from the colostrum in their mother’s milk, but these antibodies are not always as effective as a vaccine. Dr. Johanna Heseltine, clinical assistant professor at the Texas A&M College of Veterinary Medicine & Biomedical Sciences, explained the characteristics of parvovirus. “Canine parvovirus, or ‘parvo,’ is a highly contagious virus that affects dogs and often causes severe diarrhea and vomiting in puppies,” she said. “Parvovirus lives for months in the environment, so many puppies can be exposed while their immune system is still vulnerable. Once dogs are fully vaccinated, they seldom become infected. Even if a puppy has received some vaccines, they are still at risk for infection because the antibodies they receive from their mother’s milk can interfere with the puppy’s immune response to the vaccine. In addition to this, the puppy’s body has not made its own protective antibodies.”
ULTRA PETS
Parvovirus attacks areas of the body where cells are rapidly dividing, such as the intestinal tract and bone marrow tissue. As a result, victims of the virus experience a loss of appetite, vomiting, diarrhea, weakness, and lethargy. “Since the virus attacks white blood cells in the bone marrow, infected dogs develop low white blood cell counts, which puts them at risk for a bacterial infection called sepsis,” said Heseltine. “The severity of illness varies between patients, but most of the dogs we see in the hospital develop severe bloody diarrhea and vomiting.” Parvovirus spreads through fecal-oral contact, meaning the virus can be transmitted through any animal, person, or object that comes in contact with an infected dog’s feces. A dog can shed parvovirus in its stool without showing any signs of illness and can continue spreading the virus 8
for several weeks after recovering. Parvovirus is so common that it may be present anywhere that dogs frequently visit. Inanimate objects, such as food bowls, shoes, clothes, and carpet also serve as carriers for the virus for up to several months. Treatments for parvovirus are available, but prevention through vaccination is essential to protect puppies’ health. If infected, puppies should be hospitalized and isolated from other dogs to avoid spreading the disease. Large amounts of bodily fluids are lost through vomiting and diarrhea, so patients are replenished with electrolytes through intravenous fluid therapy. Antibiotics are also needed to help prevent secondary infections. Other treatments include antiemetic medication, plasma transfusions, or related therapies. UltraMagTexas.com
You can protect your puppy from this deadly virus by making sure they stay up-to-date on vaccinations. Limiting your puppy’s exposure to other dogs, as well as keeping a secure backyard that prevents strays or other potentially infected animals from entering will also decrease the puppy’s risk of contracting the disease. Until your veterinarian declares it is safe, try keeping your puppy away from dog parks or other areas where there is a high concentration of dogs. If you think your puppy may be infected with parvovirus or has come in contact with another infected animal, contact your veterinarian for assistance. To prevent further spread of the disease, it may be necessary to remove your puppy’s toys, blankets, and other belongings from the environment.
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ULTRA SPORTS
College Football Playoff for
THE CROWN by Bobby McCallitt
As of last year, NCAA Division I football instituted a 4-team playoff to determine its national champion. The College Football Playoff Selection Committee, a 12-member panel comprised of former coaches and student athletes, athletic directors, administrators and journalists from across the country, was appointed to establish a top 25 ranking of all Division I college football teams. The initial rankings come out after the ninth week of the season, and are adjusted weekly through the conclusion of all games. Final rankings determine the chosen 4 who will play for all the marbles. This year, the playoff looks like this: (1) Clemson vs. (4) Oklahoma, and (2) Alabama vs. (3) Michigan State. The winners will square off in the National Championship game on Monday night, January 11, in Phoenix. There will be no repeat champion, as Ohio State, the defending
champ, did not finish in the top four. Ohio State entered the playoffs last year as the number 4 team, proving that one only needs to get invited to the party to win it all. This year, three of the four participants are new as only Alabama made the playoffs again (Oregon, Florida State, and Ohio State did not). The 4-team playoff has added additional excitement to a sport that already enjoys tremendous popularity. The buzz surrounding the anticipated announcement of “who’s in” often makes for high drama. For fans of many schools, the “all we need to have happen” scenarios fuel optimism, keeping anyone in the top 15 in the rankings hopeful that things will break their way and they can finish in the top four. Just imagine if college football decided to expand the playoff to include the top eight schools. Now fans from any team in the top 25 could envision a scenario where their team “gets in”! And as was proven last year, to wear the crown, all you need is an invitation to the ball.
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THE HEALTH CARE PROVIDER
You Need to Know In the past, your physician was probably the only provider you saw regularly, but as healthcare delivery has evolved, newer types of providers are taking on important roles in healthcare teams, which are delivering higher quality and more efficient care. Team-based medicine is the next generation of healthcare delivery and one of the professions at the forefront of this trend is physician assistants or PAs.
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With more than 11 million newly insured Americans, an aging baby boomer population and a growing number of chronic conditions, the American healthcare system is expected to make some major changes to accommodate the increasing number of people seeking healthcare.
Many people have seen and been treated by a PA whether they know it or not, but unless you’ve seen a PA as your primary care provider, you might be surprised to know that PAs are fully licensed medical providers with graduate degrees. They diagnose and treat their own patients by prescribing medications, ordering and interpreting tests, performing medical procedures and even assisting in surgery. They can be found throughout healthcare from hospitals to urgent care clinics to ERs, as well as in your family provider’s office. “PAs are uniquely equipped as medical practitioners and play an important role in today’s healthcare system,” said Jeff Katz, PA-C, DFAAPA. “For nearly 50 years, PAs have improved patient outcomes and elevated patient satisfaction. There is a wealth of clinical research and real-world evidence from hospitals and patients, demonstrating the high-quality and breadth of PA care.” With all of this, it is no surprise that PAs are among the most in demand professions in the United States. In a recent American Academy of
Physician Assistants survey conducted by Harris Poll, a Nielsen company, 91 percent of respondents agreed that PAs improve health outcomes for patients and 91 percent agreed PAs improve the quality of healthcare. In addition, according to national health care search firm Merritt Hawkins, demand for PAs has increased by more than 300 percent over the last three years, and the U.S. Bureau of Labor Statistics expects employment of PAs to grow much faster than the average for all occupations through 2022. As you consider alternative approaches for a healthcare provider, keep this advice in mind: Find a provider that has the right education and training. Educated through intense, graduatelevel medical programs that include at least 2,000 hours of clinical practice, PAs are often educated alongside medical students in medical schools and academic medical centers. They gain the skills necessary to perform medical procedures, diagnose and treat patients, order and interpret tests, prescribe medication, make rounds in hospitals and nursing homes, and assist in surgery. Feel good about checkups, testing and surgery. Seek a provider who can answer a wide range of healthcare needs. PAs practice medicine in all medical and surgical settings and specialties, including primary care, emergency medicine, surgery, oncology, orthopedics, psychiatry, radiology, pediatrics and more. To learn more about PAs and how they can assist with your health care needs, visit aapa.org. (Family Features)
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´ Bon Appetit STOCKS AND BONE BROTHS by Anice Shelton
ULTRA FOOD Happy 2016 Y’all! Did you eat a lot over the holidays and then make all kinds of resolutions about how you are going to clean up your eating and exercise every day and make 2016 the year you become healthier than the coaches on “The Biggest Loser”? Yeah, me too…
“During 2016, I will strive to exercise 5 days a week doing cardio and yoga. I will choose to spend my money on fresh, local, organic food and less on prepackaged meals and prepared foods that I have no control over how they are prepared.” With that being said, one of the best and easiest ways I have found to have a good healthy meal is with a soup and the secret to a really good soup is a good fresh homemade stock.
Mine usually goes something like this: “This year I will eat nothing but fresh, clean, natural, un-processed, organic, locally sourced food. I will try and have a meatless day. I will exercise every… single…day, and I will do cardio at least 6 times a week, yoga at least 4, and lift weights at least 2. I will get 7-8 hours of sleep. I will take the stairs and park far away so I have to walk.” And then 2 hours later I am stuffing blue-box mac and cheese in my mouth and I am lifting “plates” not “weights”... After years of unrealistic resolutions, I decided this year I was going to set attainable goals:
HERE’S WHAT YOU’LL NEED:
A well-made stock (or as they are so fashionably called these days a “bone broth” when you let it simmer for even longer) is a thing of beauty and will elevate not just your soups and gumbos and stews, but your casseroles and pasta dishes. Stocks are well worth the bit of effort to make. You truly will taste a difference in your dishes. I keep zip-top bags in my freezer to collect bones and veggies. I keep a bag for chicken, veggies, and a bag for beef. Fish stocks are also tasty so if you like to cook with them, keep a bag for that. I usually just throw my starting-to-go-bad vegetables and scraps into a bag and add bones to the bone bags whenever I have them.
I set aside a Saturday when I am going to stay at home all day to tend to my stock. You can make a stock in your crockpot but I find most crockpots don’t hold as much as my stockpot does so I usually only do that if I am doing it from one chicken carcass and a bit of onion. I almost never use a fresh chicken for stock because once the bird has gone through all of that simmering it loses flavor. If you want to start with a fresh bird, remove the meat from the breasts and thighs and legs and set it aside to use for soup. You will get a lot of flavor from the meat left on the bird and the wings. I like taking the meat from a grocery store rotisserie chicken and save the meat for the soup or serve the chicken as dinner...the roasting adds extra flavor to the bones that adds a depth of flavor to the stock. For beef stock, I usually use the bones from short ribs or a rib roast...but you can also buy oxtails and use them...brown or roast them first before adding the vegetables. Oxtails have marrow and they yield a lot of collagen and nutrients...they are an inexpensive excellent choice for a good beef stock. You can also get marrowbones or soup bones from the butcher.
(note that there are no measurements because this is truly a “throw it in if you have it” recipe
Large heavy pot Bones Onion (quartered) Garlic (whole bulbs) Carrot Celery (and tops) Peppercorns Thyme (10 stems or so) Parsley (handful) Bay leaves (2-3) Wine (just a splash maybe ½ cup) Water Chicken or beef base if you want a very rich stock Continued on page 18 UltraMagTexas.com
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STOCK AND BONE BROTHS Continued from page 17 No need to peel the veggies...just wash them well and throw them in ...same with the garlic. Throw all the veggies and bones in the pot and cover with water until you have about an inch of water above the pot contents. Add in the peppercorns, thyme, parsley, and bay leaves and about ½ cup of wine for richness. I use red wine for beef and white for chicken or turkey. If you want a very rich stock add a few tablespoons of the chicken or beef base but I usually save that step for when I make the soup because it can add a lot of saltiness. Turn your heat on high under your pot and bring to just starting to boil, then turn the heat way back and keep it at a gentle simmer. Simmer for a minimum of 4 hours but for the best stock I find that if I simmer it for at least 8 hours I get great flavor. Add extra water as you go but not too much or your stock will be weak. I prefer to start the stock on one day, simmer it long and slow, let it cool and then put it in the fridge overnight then take it out the next day and remove the fat that has hardened on the top. (If you wait on that step until after you have strained the stock you will be left with a nice chicken fat to cook with if you are so
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inclined.) I put it back on the stove and let it simmer another hour or two before straining. I find that the extra step of refrigerating overnight, while not necessary, does seem to make it just a little tastier. For a clear stock you need to strain it twice. First remove all the meat, bones, and veggie matter with a slotted spoon. Then line a fine mesh strainer with some cheesecloth and further strain it so you have a nice clear stock. I prefer to freeze my stock without any fat so put the stock in the fridge to allow the fat to rise and solidify on the top and remove the fat cap before pouring the liquid into zip top bags or freezer containers. You might notice that your stock has a gelatin-like texture---this is excellent! It means that the bones and tendons yielded their collagen and you have a rich good quality stock. Use immediately in a soup or freeze for up to 3 months. HERE ARE SOME OF MY FAVORITE SOUPS:
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BASIC CHICKEN SOUP
MEXICAN CHICKEN SOUP Variation #2 on Basic Chicken Soup To the basic chicken soup recipe add a bit of grated or minced garlic to the veggie sauté. When you add in the chicken, add about ¾ bottle of Mexican beer (you can use less or skip). Add a few sprigs of cilantro (leave whole so you can fish it out before serving). I like to also add a few thin slices of jalapeno. If you like tomato, add in some chopped tomato or serve it fresh on top. I also add corn (fresh or frozen) and Mexican squash. Adjust seasonings and add some chili powder. Simmer another 30 minutes. Before serving remove the cilantro stems and top each bowl with chopped cilantro, a jalapeno slice, diced avocado and a few tortilla strips and a drizzle of crema.
Dice onions, celery, and carrots and sauté in 2 tbsp. butter until softened. Add in 4-6 cups of stock. Simmer slowly for ½ hour. Add in diced, cooked chicken. Simmer 15 more minutes. Adjust seasonings...I like pepper and thyme… and a ½ cup of wine seems to add richness.
CHICKEN NOODLE SOUP Variation #1 on Basic Chicken Soup Make the basic chicken soup recipe but add home-style noodles after letting the chicken simmer a bit. I prefer the home-style thicker cut noodles or Amish-style noodles to a basic egg noodle. I boil the noodles in the broth.
FRENCH ONION SOUP
WINTER BEEF SOUP Sauté diced onion, celery, carrot and parsnips in some butter until soft. Add in 5 cups of beef stock. Add in diced potato (I like a white or gold potato for this), a few sprigs of thyme, ½ cup red wine and a couple of bay leaves. Simmer until potatoes are soft. Add in leftover beef from a chuck roast or short ribs and corn (fresh or frozen) if you like. Sometimes I add noodles for a very hearty meal.
Sauté thinly sliced onions (about 1 per person) and a few sprigs of thyme in a few TBS of butter... do it slowly (about 45 min) over low heat. Add in a few pinches of sugar and then add in 2 TBS of flour and sauté 2 minutes. Add in ½-1 cup wine and about 4 cups of beef stock (red wine with beef, white wine with chicken). Simmer for about 30 min, stirring occasionally. Top with baguettes topped with melted Gruyere cheese.
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Financial Advisor, LPL Financial 3355 W Alabama St Ste 180 Houston, TX 77098-1866 (713)874-0001 Office (713)936-9278 Fax (713)254-3443 Cell Rhonda.Barclay@lpl.com www.LPL.com/Rhonda.Barclay
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UltraMagTexas.com
New Treatment Erases Signs of Cellulite
Fighting the bumpy, lumpy appearance of cellulite is a discouraging battle many women face. After all, although it may successfully sculpt and tone the muscle below, no amount of time in the gym is likely to erase the telltale dimples of cellulite.
Performed by a qualified physician in an office setting, the Cellfina™ System uses innovative, proprietary technology to treat the primary structural cause of cellulite. By releasing the fibrous bands under the dimpled areas, Cellfina provides a long-term solution to cellulite in just one treatment session. The result is a smoother look that gives patients the confidence to wear a bathing suit and higher hemlines. “I’ve been practicing liposuction for 20 years, so I’ve been dealing with women and body issues and what they see when they look in the mirror for a long time,” said Dr. Michael Kaminer, a dermatologist, managing partner at Skin Care Physicians and associate clinical professor of dermatology at Yale Medical School. “It’s a really neat thing to have the technology now that allows me to say, I can help you.”
Cellulite is the result of a push and pull between fibrous bands that connect skin, muscle and fatty tissue. Fat cells push against the skin, while the fibrous bands pull away toward the muscle. The result is the uneven skin surface that resembles an orange peel or even cottage cheese.
Kaminer says Cellfina treats the primary structural cause of cellulite, is minimally invasive, and is unique in that it is FDA cleared for improvement in cellulite that lasts at least a year. Including the administration of a local numbing agent, the procedure takes less than an hour, depending on the number of dimples being treated and the patient’s individual needs.
RISK FACTORS To some extent, the presence of cellulite is influenced by genetics, and although weight gain can emphasize the dimples, some lean people also have cellulite. Older individuals, whose skin is less elastic, as well as those with inactive lifestyles, are more prone to cellulite.
The majority of patients started seeing results in as little as three days and the results were still apparent a year after the procedure. Visit www.Cellfina. com to learn more about cellulite treatment options, request a free informational packet, and sign up for automatic updates and notifications.
TREATMENT OPTIONS While there is no medical concern associated with cellulite, it can hamper self-esteem and drive affected individuals to avoid clothing that may expose skin showing the presence of those dreaded dimples, such as bathing suits and shorts. For the most part, there are few options to treat, reduce or eliminate the appearance of cellulite. A doctor, dermatologist or plastic surgeon can help you explore appropriate treatment options, which, according to the experts at the Mayo Clinic, may include some combination of weight loss, laser or radiofrequency systems, or liposuction. However, a new minimally invasive procedure was recently cleared by the FDA to improve the appearance of cellulite for at least a year – longer than any other FDA-cleared treatment for cellulite.
Important Safety Information for Cellfina™ The Cellfina System is intended for long-term improvement in Photo courtesy of Getty Images the appearance of cellulite in the buttocks and thigh areas of adult females. Safety and effectiveness in other anatomical areas have not been established. The most common side effects reported were soreness, tenderness, and bruising. The Cellfina System is only available through a licensed physician. All trademarks are the property of their respective owners. (Family Features)
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at Home Kathy Hamilton
W I T H J O H N D A U G H E R T Y, R E A L T O R S AND
I appreciate you, for allowing me the opportunity to serve you.
Kathryn R. Hamilton BROKER ASSOCIATE
713.299.5011 | khamilton@johndaugherty.com| johndaugherty.com
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Established 1967
ULTRA TRAVEL
5 TRAVEL TIPS to Protect Your Devices from
CYBERCRIME
To avoid being a statistic as one of the 4,000 cyber-attacks that happen each day, travelers must take the right precautions to protect their personal data.
1 2 The period between Thanksgiving and New Year’s is among the busiest travel times of the year. In 2014, more than 98 million traveled over the holiday period, according to the Bureau of Transportation Statistics. These busy, unassuming travelers could be a hacker’s ideal target, as more than half of respondents in a 2015 The Travelers Companies survey say they rarely take precautions, like changing online banking or financial account passwords regularly. “Cybercrime can be at an all-time high during the holiday season, especially as busy consumers move from place to place and don’t take the same precautions with their portable devices that they might normally have at home,” says Dr. Kenneth L. Williams, Ph.D., cyber expert and professor in the College of Engineering & Information Sciences at DeVry University. “Ill-informed travelers are a hacker’s ideal target, so travelers must be accountable for their own protection.” With travel booking on mobile devices becoming increasingly popular, and travelers’ near-constant smart phone use on the road, the threat continues to rise. Currently, more than 16 million mobile devices in circulation are infected with some form of malware, a 25 percent increase over the past two years, according to telecoms infrastructure firm Alcatel-Lucent. This high number of malware is often is due to a gap in knowledge on how consumers can to protect themselves from a cyber criminal’s attack. “In today’s economy, no one is safe in any irregular circumstance when it comes to their cyber activity,” says Dr. Williams. “New and seasoned travelers alike need to take a step back and notice the new opportunities cyber criminals now have to steal their data.” (BPT) UltraMagTexas.com
3 4 5
Use personal hotspots. Do not use public Wi-Fi networks, as these can be a landmine for cyber hackers. Instead, opt to use your phone or tablet’s personal hotspot.
Be mindful on public networks. Don’t share credit card information over hotel networks, like on-demand menus or hotel services, since these systems are easy for hackers to access.
Charge with Caution. While convenient, avoid charging your mobile devices from a computer or charging station you do not control, like at an airport terminal.
Don’t leave your devices unattended. Protect your devices like cash when you are in public places like hotels and resorts; thieves and hackers always go where there is money.
Shut down any wireless services you aren’t currently using, such as Bluetooth.
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Covenant House Texas provides shelter, services and sanctuary to homeless and at-risk youth under the age of 21. Covenant House Texas takes youth off of the street and provides them the tools to become self-sustaining young adults. Programs offered range from life skills and job training to free medical care and counseling.
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4715 Strack Road, Suite 114, Houston, TX 77069
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DEED Upon Death in Texas
BIOGRAPHY & DISCLAIMER
ULTRA LEGAL
Courtesy of Byron K. Barclay
BYRON K. BARCLAY BKBarclay@lawyer.com www.BarclayLawFirm.com 713.224.2334
The Texas Legislature passed a new law, effective September 2015, allowing owners of real estate to deed their real estate to their heirs outside the probate process (i.e. without a Will), by creating a Transfer on Death Deed. The effect of this new law is similar to a bank account or life insurance policy that transfers the proceeds of an account after the death of the owner. The owner may even designate a primary beneficiary or multiple primary beneficiaries, as well as naming an alternate beneficiary if they so desire to ensure that the property can be transferred according to their wishes. To be effective, the Transfer on Death Deed must comply with all of the existing requirements for a deed in Texas (i.e. in writing, with legal description of property and duly signed, with notary acknowledgment by the Grantor/property owner), but must also include the name and address of the designee (the one who will receive the property after the Grantor’s death) and the deed must be recorded in the deed records of the county clerk where the property is located. Finally the deed must explicitly and clearly state that the deed is not effective until after the death of the Grantor/owner. There are some important things to consider before choosing this type of deed as an estate planning tool. The statute specifically states that notice, delivery or acceptance of the deed by the beneficiary is required. One may effectively file/record the deed in the real property records without advising or delivering the recorded
Transfer on Death Deed to the beneficiary. Further, if multiple beneficiaries are listed, each beneficiary will share the property in equal shares, meaning it is not possible with this type of deed to transfer fifty percent to a spouse and splitting the remaining percent between multiple children. Further, because most property in Texas owned by spouses is considered community property, each spouse owns his/her share as “tenants in common.” To effectively transfer a community share of the property to your spouse without a Will, you must in fact list your spouse as the primary or sole beneficiary on the Transfer on Death Deed. After the death of the property owner, the beneficiary files a certified copy of the death certificate in the county property records where the Transfer on Death Deed was recorded, proving the title to the property was effectively transferred to the beneficiary. Should there be a mortgage or a lien however, the new owner would only have title to the property subject to those pre-existing mortgages or liens. Further, should the assets of the deceased property owner’s Estate be insufficient to pay the debts of the Estate, the Executor or Administrator for the Estate may be able to use the real property to pay those debts, through the administration process. Finally, a Transfer on Death Deed is no substitute for a Will, or the advice of an experienced attorney. One should always seek out and carefully consider this advice before proceeding with such a plan. ADVERTORIAL UltraMagTexas.com
Byron K. Barclay is a Houston, Texas attorney and Board Certified by the Texas Board of Legal Specialization in Personal Injury Trial Law. In addition, Mr. Barclay handles estate planning matters and is regularly appointed to serve various courts in Harris County as an Attorney Ad Litem for the estates of persons who have died without a will. Mr. Barclay also handles commercial litigation, divorces, family law and child custody issues. The foregoing article is offered only as a public service to this community and does not constitute solicitation or provision of legal advice. This site and column should not be used as a substitute for obtaining legal advice from an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author. Nothing in this column or on any website where it may be published is intended to create an attorneyclient relationship and nothing posted by Mr. Barclay constitutes legal advice. Should you have questions, you may forward them via email to Mr. Barclay at BKBarclay@lawyer.com. Questions may be edited for length or clarity. Mr. Barclay will choose questions submitted for brief answers and possible publication. Mr. Barclay reserves the right to choose which questions to answer, and submission of a question does not guarantee that he will provide an answer.
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ULTRA HEALTH
Why An
Orthodontist? Courtesy of Dr. Audrey M. Boutros, DDS, MS
Your smile is the most striking part of your face. Do you think your smile (or that of your child’s) can be improved? Many people ask themselves this question. Orthodontists are specialists in moving teeth and aligning jaws. Orthodontists are uniquely qualified in the diagnosis, prevention, and treatment of orthodontic problems. They dedicate their professional lives to creating healthy, beautiful smiles in children, teens, and adults. There are three steps in an orthodontist’s education: college, dental school, and orthodontic residency program. It can take 10 or more years of education after high school to become an orthodontist. After completing college requirements, the prospective orthodontist attends dental school. All orthodontists are dentists first. Out of 100 dental school graduates, only six go on to become orthodontists. Only dentists who have successfully completed this advanced specialty education may call themselves orthodontists. Only orthodontists are accepted for membership in the American Association of Orthodontists (AAO). Selecting a member of the AAO for orthodontic care is the public’s assurance that they are selecting an orthodontist. You trust your heart to a cardiologist, your skin to a dermatologist, and your knees to an orthopedist. Like these specialists, orthodontists have in-depth experience in orthodontic care. They use their knowledge and skills to help you get the best results possible. There are a lot of treatment options these days, from clear aligners to high tech braces. They each have their uses, but only an orthodontist has the specialized knowledge to identify and plan for all the variables in your mouth. Orthodontists take your unique needs and wishes into consideration too when recommending the right treatment option for you. Orthodontists have knowledge of the full range of orthodontic appliance “tools”. They know what to use and when to use it because they work with these “tools” every day. Sure you want a winning smile and your orthodontist wants that for you too. You deserve the best - a good bite and a healthy beautiful smile. Consult an AAO member orthodontist for your life, your health, your happiness, and your smile! Call our office today to schedule your complimentary orthodontic evaluation.
AUDREY M. BOUTROS
Call our office today to schedule your complimentary orthodontic evaluation.
DDS, MS
Member of the American Association of Orthodontists
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713.218.8338 | BOUTROSORTHO.COM Located in the Frost Bank Building 6750 West Loop South, Suite 150, Bellaire, TX 77401
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