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THE TRANSFORMATION PROGRAM
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THE TEAM
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ACCOUNTABILITY
The BWC's program options offer Weekly, Bi-Weekly, or Monthly accountability. After the program principles & disciplines are introduced, it's truly a customized experience based upon what each patient needs. Each appointment and or weigh in helps you stay accountable as well as provides constant guidance & education.
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FROM THE PUBLISHER...
Life goals…
Many years ago, I made a conscious decision to return to college and pursue my higher education, culminating in the completion of my Master’s Degree. I waited until my 30s to complete my Bachelor’s, and I loved the experience of being in class, which fueled my passion to continue. My ultimate goal was to earn a PhD and teach at the university level, a dream I held dearly.
However, at that time, the program wasn’t available locally in Texarkana, and with my family—my husband and two children—my options were limited. Despite these challenges, I discovered that online classes were beginning to emerge, although local attendance was still required for the foreseeable future. I was deeply committed to advancing my education, and earning my Master’s was a significant achievement—one I am incredibly proud of, as I became the first person in my family for generations to earn a degree, let alone a Master’s. This journey not only transformed my life but also demonstrated that perseverance and dedication can overcome obstacles, inspiring those around me to pursue their dreams regardless of the challenges.
Isn’t it funny how we think about things in hindsight and wish we had done things differently? You can never get enough education—whether you’re learning in person or online. No matter what position you hold, keep striving to learn everything you possibly can.
Countless dedicated teachers genuinely love helping others. They willingly share their knowledge with our children, guiding them toward achieving their life goals and inspiring them to reach their full potential. But what drives them? Did something in their own lives motivate this selfless desire to help? For me, it wasn’t a specific event. Instead, I’ve always had an insatiable love for learning. I vividly remember at age seven, after a bicycle accident that tore my foot to shreds, I had to stay off it for a week. Every day, I begged the doctor to let me return to school because the thrill of learning was the greatest joy I knew. That passion for knowledge continues to shape who I am today.
Most of you know that I have recently embarked on an exciting new journey in real estate. Although I had my license years ago, I took a break. Now, with the incredible support of my broker, Tracy Spradlin, I am thriving as a new agent. I genuinely love what I do—helping clients navigate the buying and selling process and making their dreams come true. My passion for learning every detail and assisting my clients has truly reinvigorated my career. Despite teasing Tracy about my constant questions, her patience and guidance have been invaluable—her mentorship has played a considerable role in my success. I’m more confident than ever and eager to help more people find their perfect home or get the best deal. If you’re considering buying or selling, I’d love the chance to work with you and show you how I can make your real estate experience exceptional!
Keep learning—it’s the secret to staying sharp, vibrant, and forever young at heart. No matter your age, never stop expanding your knowledge. Every lesson, whether from a student, a mentor, or everyday life, brings you closer to success. Embrace learning as a lifelong journey and honor the teachers who guide you along the way. Remember, the more you learn, the greater your achievements. Don’t wait—start today and unlock your full potential!
May God bless you and yours…
Anne Granado
Margaret Fischer Davis Elementary is a place where every child is truly seen and staff feel valued, and is a place where Anne Granado truly enjoys her position as an Assistant Principal. “We focus on meeting each student right where they are. We don’t just assume kids know what to do—we intentionally teach expectations and provide support when they struggle, whether that’s with behavior, academics, or emotions. Our goal is to give them the tools they need now and for the future,” Anne says. “It’s also a place where the staff feel valued. At Pleasant Grove, we celebrate our teachers and team members throughout the year. Everyone pitches in—whether it’s helping with an afterschool event, filling in for a teacher who had an important appointment, or opening doors in the car line. That hands-on, all-in attitude creates a culture where people want to help and support one another. It’s what makes our school feel more like a family.”
Anne loved and enjoyed school while growing up in Atlanta, Texas. “Some of my core memories include singing in Mrs. Clayton’s musicals in elementary school; reading classics like Where the Red Fern Grows in my fifth grade English class; singing the ‘Friday Song’ in Mrs. Rice’s social studies class; twirling in halftime shows while Mr. Sutton led the band onto the field; correcting essays in Mrs. Trumble’s high school English class; and looking forward to teachers like Mr. Tomberlain, Mrs. Clements, Mrs. King, Mrs. Henrico, Mrs. Potter, Mrs. Frank, Mrs. Bates, and so many others. I was lucky to have so many wonderful teachers throughout my school years,” she says.
After graduating from high school, Anne attended Ouachita Baptist University and graduated with a bachelor’s degree in English and history in 2006. Although Anne did not grow up wanting to be a teacher, her perspective changed during her first job post-college. Anne began working at Arkansas Business Publishing Group in Little Rock, Arkansas. Even though she enjoyed her job, she felt a pull back to education. She says, “It might sound a little silly, but I truly felt called to be in the classroom, helping students feel successful, not just in schoolwork, but in how they saw themselves. I struggled with self-esteem as a teenager, and the teachers who saw me, supported me, and loved me made a huge difference in my life. I wanted to be that person for someone else.”
Assistant Principal, Margaret Fischer Davis Elementary School
Anne returned to school at the University of Arkansas in Little Rock in 2008, where she earned her master’s degree in education. “That program required me to complete all certifications and tests in Arkansas,” Anne says. She accepted a job teaching English at Texas High School and immediately started the testing and certification process in Texas. She taught at Texas High School for 12 years. In 2020, she became a Curriculum Coach for Texas Middle School, a role that eventually expanded to support multiple campuses within the district. Then, in 2024, she accepted the role of Assistant Principal at Margaret Fischer Davis Elementary in Pleasant Grove. She has recently completed her Principal as Instructional Leader certification through the University of Texas at Tyler and is starting her second year at this campus. She also holds an English as a Second Language supplemental certification.
Anne believes that education is one of the most critical institutions in our society, and that became even more evident during the pandemic shutdown. Anne says, “Schools do so much more than teach academics. They help children develop the social and emotional skills they need to navigate life, form meaningful relationships, and grow into capable, confident individuals. As a mother, I see firsthand how important school is to my own children’s development and well-being. That’s what drives me—being part of making school a great place for other people’s children, too.”
When Anne was in the classroom, her teaching style centered on connection and modeling. “I started by getting to know my students—who they were, what they cared about, and how they learned best. I also tried to show them my love for learning and the written word because I believe enthusiasm is contagious. Whatever I asked my students to do, I did right alongside them. As an administrator, my style is very similar to how I was as a teacher—hands-on, supportive, and deeply invested in the people I serve. I believe in setting clear expectations, following through with consistency, and showing up alongside teachers to support them however I can,” Anne says. “I also lead with empathy. I know teaching is hard, and I want my staff to feel valued, trusted, and heard. Ultimately, my goal is to establish a school where teachers genuinely enjoy teaching and students feel secure, supported, and successful.
Being adaptable to diverse learners is a must for any educator, and Anne shares her experience learning that valuable lesson. “As a teacher, I used to think that I needed to treat every student the same. But over time— and especially as a parent—I’ve learned that fairness isn’t about sameness; it’s about giving each child what they need to be successful. Some students require additional support, and that’s perfectly okay. I realized that my goal needed to change so that I could meet students where they were, even if that meant the path looked a little different for each one,” she says. “Now, as an administrator, I approach things the same way. There’s no one-size-fits-all plan. I work to ensure that every student, and every teacher, is supported in the way that’s most meaningful and effective for them. It may look different day to day, but the goal is always the same: success for every child.”
Anne’s professional goal is currently to continue growing as an administrator. Still relatively new to the role, she recognizes that she has much more to learn. Her goal is to continue building her knowledge and skills so she can better support students, teachers, and families. Beyond that, she prays that God will lead her to whatever the next step is—wherever she can continue to grow and use her experience to make a difference for others.
Did you know this about Anne?
She spent over a decade writing for a magazine, is a huge foodie, and has traveled to France, Italy, England, Switzerland, and Mexico!
This summer, she spent time at the lake and water park with her husband, Jason, and their two daughters, Maren (8) and Iris (5). The family also enjoys grilling outside, watching old movies, riding bikes, painting, and coloring.
She loves to play song-trivia with her husband. They will start a song and see if the other person can guess it – many songs from the late 90s and early 2000s. She is a lyric pro!
One of her favorite quotes is from Ken Blanchard and says, “Servant leadership is all about making the goals clear and then rolling your sleeves up and doing whatever it takes to help people win.”
If she could take students on any field trip in the world, it would be to a place that encourages hands-on exploration, such as the Mid-America Science Museum. “It’s a place where they can learn about outer space, gravity, light, sound, and so many other fascinating parts of our world. More than anything, I’d want the trip to ignite their curiosity and show them just how fun learning can be.” Anne says.
Anne’s role model is the current principal of her school, Brittany Beaird. “Brittany leads by example—she’s the first one to arrive, the last to leave, and never asks anyone to do something she wouldn’t do herself. She takes care of her people, makes thoughtful decisions, and always keeps students at the center. She’s also not afraid to try new things or challenge herself to keep growing, which pushes the rest of us to do the same,” Anne exclaims.
Stephanie Roadcap
Stephanie Roadcap is in her fourteenth year of teaching and currently serves as a fifth-grade science teacher at Redwater Intermediate School. “I love that Redwater Intermediate has a strong sense of community and support from both staff and administration. It truly feels like a family, where everyone works together to do what’s best for the kids. I always feel encouraged to try new ideas and grow as an educator,” she says.
Stephanie was a timid student growing up and rarely spoke in class unless she felt really comfortable. “One of my first-day traditions as a teacher is being honest with my students and letting them know that I get nervous too! Having been a shy student myself, I know how overwhelming the first day can feel, so I focus on helping everyone feel at ease. We spend the first few days building relationships, learning about each other, and creating a classroom environment where every student feels safe, seen, and supported.” Stephanie says.
During her school years, the classes she remembers most were those where the teachers created a safe and welcoming space and encouraged everyone’s voice. “Those experiences shaped the way I run my classroom today. I want every student to feel seen, heard, and supported,” Stephanie says. “I’ve always loved working with kids, but what sparked my passion for teaching was watching my children learn and grow. Seeing their excitement when they discovered something new made me want to create that same joy in a classroom. That’s when I knew I wanted to become a teacher.”
After high school, Stephanie earned an Associate of Arts in Business from Tyler Junior College and then a Bachelor of Business Administration in Accounting from the University of Texas at Tyler. Later, she followed her heart into education and completed the alternative teaching certification program through Texas Teachers. Her current teaching certifications are Generalist EC–6, Math 4–8, and ESL Supplemental K–12. “Even though I didn’t start in education, I know I ended up exactly where I belong. I just completed my 14th year teaching. I have been at
Fifth Grade Science Teacher, Redwater Intermediate School
Redwater Intermediate for 7 of those years!” Stephanie exclaims. “I want to teach because I truly believe in the power of education to change lives. What drives me is seeing students grow in confidence, take ownership of their learning, and discover their full potential. There’s nothing more rewarding than knowing you’ve helped a child believe in themselves.”
Stephanie believes in creating an environment where diverse learners can come together and feel comfortable. “I start by getting to know my students’ strengths, challenges, and learning styles, so I can tailor instruction to meet their needs. I use a mix of small groups, hands-on activities, peer tutoring, and flexible assignments to help each student engage with the material in a way that works for them,” she says.
Stephanie’s commitment to building a positive and inclusive classroom environment begins on the first day of school. “I focus on building strong relationships with my students from day one, so they know they’re valued and respected. I utilize team-building activities, student voice and choice, and clear expectations to create a safe and inclusive space where everyone feels a sense of belonging. When students feel connected and supported, they’re more willing to take risks and grow,” Stephanie says.
Stephanie describes her teaching style as hands-on, student-centered, and relationship-driven. She loves creating engaging, real-world learning experiences where students feel safe taking risks, asking questions, and exploring. Her goal is to empower every student to take ownership of their learning and see themselves as capable, curious thinkers. “I make connections by taking the time to try to really get to know each student, their interests, strengths, and challenges. I listen closely, show genuine care, and create a classroom environment where every student feels valued and safe. Building trust takes time, but it’s the foundation for helping students succeed both academically and personally,” Stephanie says.
Even though Stephanie has many years of experience as an educator, she still has professional goals she seeks to achieve. “My professional goals include continuing to grow as an educator by learning new strategies, collaborating with peers, and bringing innovative, engaging lessons to my students. Most of all, I want to keep making a positive impact in the lives of kids every single day,” Stephanie says.
Did you know this about Stephanie?
She has been married to her husband, Keith, for seven years, and together they have six amazing children, ranging in age from 18 months to 19 years old. Their children are very active in various school activities, including football, cross-country, powerlifting, tennis, track, robotics, and e-sports. Stephanie spends much of her free time attending their events and cheering them on.
She knows all the lyrics to Hillsong Worship’s song, “Who You Say I Am”.
Her must-have smartphone apps include Facebook to stay connected, Libby for reading e-books, RightNow Media for Bible study, and Spotify to enjoy music throughout the day. Professionally, she relies on Google Classroom to organize lessons and Education Galaxy to make learning fun and interactive for her students.
If Stephanie could take her students on a field trip anywhere in the world, it would be to the Grand Canyon. It’s a place she longs to visit, and she knows many of her students haven’t had the chance to see it. In fifth-grade science, students learn about canyons and how they’re formed, so seeing the Grand Canyon in person would bring those lessons to life. When students look at pictures and videos, they are amazed by the canyon’s size, and experiencing it firsthand would be unforgettable.
Stephanie’s morning routine starts with a couple of cups of coffee to get her going. On the drive to school, she listens to Christian worship music to help clear her mind and give her a positive outlook for the day. Once she is at school, her favorite way to start the day is by greeting her students at the door and chatting with them as they get settled. It sets a positive tone and helps everyone start the day feeling connected and ready to learn.
Students might be surprised to learn that Stephanie grew up on a dairy farm! “I have so many great memories of being outside, caring for animals, and learning how to garden. I still love gardening today, especially when my whole family is outside working together, and I enjoy cooking with what we grow,” she says.
Shannon Roberson
Shannon Roberson has been in the education field for over 30 years and is currently a teacher at the Harmony Academy of Music and the Arts, an elementary school within the Texarkana Arkansas Independent School District. At Harmony, the staff aims to nurture an appreciation for the art and science of artistic expression. The school boasts a fully functional gymnasium, an arts classroom, a computer science and robotics classroom, and, in addition, a complete orchestra practice area with multiple private practice rooms and a professionally equipped stage for student performances. Shannon shares her love for the people at Harmony. “The staff and administration are very supportive and encouraging. Most importantly, students’ success is the top priority at Harmony,” Shannon says.
Teaching children is always something Shannon wanted to do. “As long as I can remember, from the time I taught or played school with my baby dolls, I have wanted to teach. My drive for teaching stems from wanting to see kids take pride in themselves for accomplishing something they thought they couldn’t do. I want to instill in children that it doesn’t matter what your circumstances are, you can do and be anything you want to be,” Shannon says. “My interest in becoming an educator was piqued by a paraprofessional named Ms. Kelly. She was always encouraging, supporting, and loving her students. She made me believe I could do anything if I tried.”
When growing up, education was very important to Shannon. She was always told that with an education, you could do or become anything you wanted to be. “School was one of my favorite places to go. One of my favorite memories occurred in third grade. We had been studying different cultures and traditions, and my class performed a maypole demonstration to the entire school,” Shannon says. A maypole demonstration, also known as a maypole dance, is a traditional folk dance often performed at springtime festivals, particularly around May Day. It involves dancers weaving ribbons around a tall pole, creating intricate patterns as they move in a circle.
Teacher, Harmony Academy of Music and the Arts
After high school, Shannon earned a Bachelor of Science in Interdisciplinary Studies from East Texas University, now Texas A&M University-Texarkana, and a Master’s in Curriculum and Instruction. She is certified as an English as a Second Language teacher and most recently completed certification as a National Institute for Excellence in Teaching Arkansas Lead Professional Educator. Even with all the education and certifications Shannon possesses, her professional goal is to improve as an educator every school year.
Her teaching style is more of a teaching model. Shannon explains, “I like the model of Gradual Release of Responsibility as I teach. This model is I do, we do, and you do. This model is so very important, you always want to model, then let students do independently or in collaborative groups, and then do independently.” To create a positive and inclusive classroom environment, Shannon takes the time to get to know her students, understanding what they need to be successful, and ensures the learning environment is respectful and supportive for all students.
Shannon takes pride in teaching diverse learners. “One way to tailor learning for all kinds of students is by giving assignments that vary in difficulty. For example, in my class, I might distribute various reading materials or tasks tailored to each student’s level of readiness. Those who are doing really well may be assigned more complex texts or projects with no clear answers, while students who need a little help might be given simpler tasks or work through guided activities. This way, I can make sure everyone is challenged just right, keeping things fair and meeting the different needs of the kids,” Shannon says.
Shannon believes that parents and the community can actively support educators by being actively involved in schools. Volunteering at school functions, attending parent-teacher meetings, and getting to know the teachers are great examples of participation and ways to be helpful.
Did you know this about Shannon?
Her students would be surprised to find out that Shannon enjoys gardening, riding four-wheelers, and knitting.
Shannon spent her summer break with her family, especially her granddaughter, crafting and creating memories.
Shannon always looks forward to the upcoming school year because she gets to meet new students and see how much her students have grown from the previous year.
One of her favorite traditions on the First Day of School is taking a “first day” picture and later comparing it to the one taken at the end of the year.
Shannon believes technology can enhance lesson delivery and personalize students’ learning, but it can also be a distraction. If not used correctly, teachers may spend more time managing technology, which could take away from actual learning.
There are many quotes that Shannon lives by, but the one that resonates with her the most is from the late Rosa Parks: “We will fail when we fail to try.”
Katheryn
Lauren Roy
For Lauren Roy, the spark of becoming an educator all began during her kindergarten year at Carver Kindergarten, where her teacher, Mrs. Eitel, would allow Lauren to stay up during nap time and assist her with various projects. “I absolutely loved being her little assistant, helping with papers, passing things out, and just being part of whatever she needed. From that moment on, I was hooked,” Lauren says.
Then in second grade, another influential and kind teacher, Mrs. Vandergriff, would touch Lauren’s life. Mrs. Vandergriff was known for building strong relationships with her students and always making learning a fun experience. “I remember thinking even back then, ‘I want to be just like her one day.’ Those early experiences planted the seed, and it never left me,” Lauren says. From that second-grade moment on, Mrs. Vandergriff would become a role model for Lauren. “She was incredibly supportive, and her kindness and dedication showed me what a great teacher looks like and inspired me to create that same positive environment for my students. She made learning exciting and made every student feel valued, and that’s the kind of teacher I strive to be every day,” she says.
“School was so much fun for me growing up. I was the teacher’s pet, always asking to help with anything and everything. Some of my favorite memories come from the GT program, where we spent the entire day on a different campus. It was such a cool environment. We had bean bags, dimmed lights, and worked on fun projects that challenged us alongside other kids who shared our love of learning. I also have many fond memories tied to learning and music. There are still several songs I learned in school that I remember to this day.” Lauren says. The wonderful school experiences, combined with her influential teachers, laid the groundwork for Lauren’s educational path. After high school, Lauren earned her Bachelor of Science in Interdisciplinary Studies from Texas A&M University–Texarkana and became certified to teach Early Childhood through sixth grade (EC–6). She also completed the Texas Reading Academy, which helped deepen her understanding of the science of teaching reading. That training significantly strengthened Lauren’s literacy instruction and provided her
Third Grade RLA/Social Studies Teacher, Red Lick Elementary
with additional tools to support her students’ growth as readers.
After graduating from college, Lauren began her first official teaching job at Red Lick Elementary School and is celebrating her fifth year. She teaches third-grade RLA/ Social Studies. “I truly work with the best colleagues in town. They’re supportive in every way, always ready to help, share ideas, or just be there when you need a little encouragement. It feels more like a family than just a job. Our leadership is the same way. I know I can go to my bosses for anything, and they’ll show up with guidance, support, and a willingness to help however they can. That kind of leadership makes a huge difference,” Lauren says. “The support doesn’t stop with staff, either. We have the most wonderful students and families. The kids bring a great deal of energy and joy into the classroom, and their families are incredibly involved and supportive. It’s a team effort all around, and I feel fortunate to be a part of it.”
Lauren truly believes in the power of education to change lives. “Seeing that ‘aha’ moment when a student finally understands something they’ve been struggling with is like watching a light turn on. I strive to make a difference in children’s lives, even if it’s just in small ways, because those little moments can add up to something really meaningful. I love being able to support kids not just academically, but also emotionally, and help them grow into confident, curious learners. Teaching lets me combine my passion for learning with my desire to make a positive impact, and that’s what keeps me motivated no matter how challenging the day gets,” she says.
Lauren describes her teaching style as supportive and hands-on. She creates a classroom environment where students feel safe taking risks and asking questions. She meets each child where they are, using a variety of strategies to make learning engaging and accessible for everyone. She fosters a positive and inclusive classroom by building strong relationships and ensuring that every student feels seen and valued. “I set clear expectations for kindness and respect from day one and model those behaviors myself. I also make it a point to celebrate each student’s unique strengths and backgrounds, incorporating
activities and discussions that honor diversity,” she says. By encouraging teamwork and open communication, Lauren enables students to learn from one another and feel comfortable sharing their ideas. When her students know they belong and their voices matter, it creates a classroom where everyone can thrive.
Teachers like Lauren understand the value of parental and community support. “When parents stay involved by communicating regularly, encouraging their kids, and reinforcing what they’re learning at school, it makes a big difference in student success,” Lauren says. “Community support, whether it’s through volunteering, attending school events, or providing resources, helps create a stronger learning environment for everyone. When teachers, parents, and the community work together, it builds a powerful team that truly benefits the students.”
As Lauren looks forward to a new year with her students at Red Lick, she is focused on forming connections with them and showing them how much she cares. “I try to be approachable and open so they feel comfortable sharing their thoughts and feelings. Building trust takes time, but I ensure that I am consistent, kind, and patient. I also enjoy discovering common interests and celebrating their successes, whether big or small. When students know you believe in them and truly care, those connections happen naturally,” Lauren says.
Did you know this about Lauren?
Her primary professional goals include learning new teaching strategies, especially in literacy and student engagement. However, did you know that she may also wish to become a counselor one day?
Lauren’s teaching job is not her only occupation; she and her family also own Cool Tanz and Spa in Texarkana, USA, as well as in White Hall, Arkansas.
If Lauren could take her students on any field trip, it would be to KidZania Dallas. “It’s an interactive, kid-sized city where kids can role-play over 100 real-world professions—from firefighting and acting to piloting a plane or performing surgery. They even earn their own currency, kidZos, and get to make decisions that help them learn important life skills,” Lauren says.
Lauren’s quote to live by is, “Be the change you wish to see in the world.” It reminds her that even small actions can make a big difference, especially when working with kids.
Lauren knows all of the lyrics to the songs “Lead Me to the Cross” and “I Can Only Imagine.” They are songs that bring comfort and inspiration to Lauren!
Her favorite apps include ClassDojo, Google Calendar, Gmail, Remind, and Raptor!
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• 60% of children struggling with school have undiagnosed vision problems All children should have a comprehensive eye examination by their Optometrist at age 3, before starting kindergarten, and every year they are in school.
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Our doctors have the skills and instruments to determine a precise glasses prescription and assess the eye health without a child’s verbal response.
Kimberly Walker
Kimberly Walker loves being able to give back to the community that helped raise her. Although things have changed since she was a student at Hooks High School, the general feeling of belonging and being supported is always present; it is home for her. Kimberly stays busy in the high school teaching English III, Hornet TV, Yearbook, Dual Credit Theatre Appreciation, and Dual Credit Psychology: Learning Frameworks. “I tried to fight becoming a teacher, but it was inevitable. I have always been drawn to education. My mother was a teacher and eventually became a principal in a neighboring school district. I had lived away from this area for a short time while in college, but came back to raise my children. In 2006, my passion was ignited to become a teacher,” Kimberly says.
School was quite the roller-coaster in Kimberly’s early years. “I have two very distinct teachers who come to mind in my early education: my first and second grade teachers. My first-grade teacher was very stern. I remember her making kids cry, and it felt like a weight was in the air every time you walked through the door of her classroom. On the other hand, my second-grade teacher was the kindest teacher, who still had high expectations for every student in the room, but she approached them with a kind heart. Every time I walked into her room, I felt welcomed and cared for,” she says.
Thankfully, Kimberly’s second-grade teacher left a positive impression that would influence Kimberly to become an educator, but not before traveling a slightly different path. While in high school, Kimberly took a few classes at Texarkana College. After high school, she attended Panola College in Carthage for two years on a full scholarship for Theatre. Since Panola is a community college, she had to transfer to complete her Bachelor’s degree, and she chose to attend East Texas A&M University (formerly Texas A&M University-Commerce) in Commerce, TX. There, she earned her Bachelor of Science in Theatre (Acting/Directing) with a minor in Journalism in 2002. “I then decided to go back to school to further my education and finished my Master of Science in Theatre in December of 2006. During this time, I began working as a
Teacher, Hooks High School
paraprofessional and started an alternative certification program through iTeach Texas, but did not complete it in Texas. I secured a job on the Arkansas side as a Broadcasting teacher. I had to enroll in a different program through Arkansas to complete my Alternative Certification, which I finished in 2009. After spending a couple of years in the classroom, I decided to further my education and completed my second Master’s degree in Educational Leadership from Arkansas State University in 2013. I have my principal’s certification for Texas as well as Arkansas,” Kimberly says.
“I teach because I love it. What brings me back each year is the feeling that I can make a difference, and I will help someone in at least one of my classes learn something, even if it is only that I care about them and want them to succeed,” Kimberly says. She describes her teaching style as a facilitator. She realizes that she cannot force a student to learn, nor hold their hand and make choices for them, but she can give them pieces to put together to find the answer and understand why that answer is correct. Kimberly strives to create a positive and inclusive classroom environment; however, it starts in the school hallway. “This is where every student is greeted and given a quick update for doing their ‘Do Now’ (bellringer). When the students walk in, I have minimal decorations and clutter on the walls. I like the classroom to have a sense of safety and not be overwhelming. I also offer flexible seating options, which include tables and chairs, as well as traditional desks. When leaving the classroom, I like to remind my students to be kind, be nice, and to be the best they can be each day,” Kimberly says.
This summer, Kimberly spent time teaching summer school, taking her daughter to multiple dance and cheer camps from Kilgore, Texas, to Jackson, Mississippi, and hanging out with her best friend. Then, before she knew it, her summer was nearing an end, and she began thinking about the upcoming school year. Kimberly hopes this next school year will spark new ideas that help her shift and adjust to meet the needs of all her students in their learning.
Did you know this about
Her favorite meal in the cafeteria is steak fingers, mashed potatoes, green beans, and a roll.
Her role models are junior high teacher Joe Hubbard and high school teacher Nancy Schenewerk. The most important role model in education, though, is Kimberly’s mom, Marsha Burris. “She showed me the importance of having an education. She taught sixth-grade Science and would test out her experiments on my brother, sister, and me at home. She then showed how to keep moving forward and to never stop learning. She achieved her principal certification when I was in college and became the principal of an alternative learning school. As a principal, she taught me that everyone, no matter what their situation is in life, deserves the chance to have a second chance,” Kimberly says.
If Kimberly could take students on a field trip anywhere in the world, she would take them to Disney World. “I think it is important for students (especially high school students) to remember what it is like to be a kid, enjoy the magical moments in life, and experience some carefree time before they have to enter the ‘real world’ and the pressures that come with it,” she says.
She knows all the lyrics to “Here Comes the Sun” by The Beatles!
Her morning routine consists of arriving at school early, sitting alone in her classroom as she reviews her plans for the day, prepares for her students, and prays for each of them.
Rebecca Young
Rebecca Young wanted to make a real difference, not just in what students learn, but in how they see themselves and their potential. She believes every student brings a unique story, and being a positive part of that story is both a privilege and a responsibility that Rebecca takes to heart as a fifth-grade teacher. “Being an educator allows me to do what I love most: help people. Every day, I have the opportunity to support students not only in their academic growth but also in their confidence, creativity, and character development. I strive to be someone who listens, encourages, and believes in every student. Helping them overcome challenges, discover their strengths, and realize their potential is one of the most fulfilling parts of my job,” Rebecca says.
Rebecca describes her teaching style in her role as a science/engineering teacher at the Martha and Josh Morriss Mathematics & Engineering Elementary School as hands-on, student-centered, and flexible. “I love this quote by Albert Einstein: ‘Play is the highest form of research.’ It reminds me that learning doesn’t have to be all serious—when students have fun and explore with curiosity, they discover and understand so much more. Making the classroom a place where fun and learning go hand in hand is important to me,” Rebecca says. “I believe students learn best when they’re actively engaged, so I incorporate a variety of activities and approaches to meet different learning styles. No two days in my classroom look the same, which offers the constant change needed to help students stay engaged. Whether it’s cooperative learning, creative projects, interactive review, or real-world applications, I aim to create an environment where learning is both meaningful and memorable. Flexibility is key; I adjust my plans based on what’s working and what my students need in the moment.”
Rebecca works hard to create a positive and inclusive classroom environment, starting with building strong relationships. She takes the time to get to know her students individually, including their interests, backgrounds, and strengths. In the classroom, students and Rebecca set clear expectations for respect, kindness, and collaboration from day one, and she consistently models those values. Together, they build a strong sense of community using the Leader in Me framework. This framework empowers students to take ownership of their learning and behavior in multiple ways,
Fifth Grade Science/ Engineering Teacher, Martha and Josh Morriss Mathematics & Engineering Elementary School
such as through classroom jobs, voice and choice in decision-making, and goal setting, allowing them to feel connected and motivated.
To differentiate instruction for diverse learners, Rebecca employs a range of strategies to meet the needs of all students, including those of advanced learners. “I offer opportunities for enrichment through extension activities, open-ended projects, and higherlevel questioning that promote critical thinking and problemsolving. I often incorporate choice boards, independent research projects, and opportunities for peer teaching. I aim to create a classroom culture where learning is personalized, and every student, regardless of where they start, is supported in reaching their fullest potential,” Rebecca says.
Rebecca has spent her fair share of time in a classroom as a student. She earned her Bachelor of Science degree in Elementary Education with a specialization in Mathematics from Texas A&M University-Texarkana. She has also earned her STEAM Coach Certification from STEAMedu. She has extensive training in Solution Tree’s PLC model and RTI at Work, both through in-person conferences and within district training. She has attended Keystone Math and Science School Training in Keystone, Colorado, and is a Kagan Cooperative Learning Coach.
Many of Rebecca’s students have a deep admiration for her, and that admiration stems from Rebecca building strong connections with them. “It starts with showing that you care about who they are. Taking time to listen, learn about their interests, family, and backgrounds is what matters to them. Being approachable and consistent helps students feel valued in my classroom. I make an effort to create positive interactions while celebrating their successes, supporting them through challenges, and encouraging their unique strengths. When students know I care about them, they’re more willing to engage, take risks, work hard, and look up to me as someone who supports their learning and social growth,” Rebecca says.
Rebecca loves that her school district, TISD, holds a commitment to leadership. At Morriss, teachers have a designated time built into their schedule to teach the Leader in Me curriculum. This allows teachers to start each day by empowering students with the essential skills required to lead,
innovate, and collaborate. Rebecca states, “My students take turns leading the daily lessons where they ask thoughtful, real-world questions that challenge their peers to dig deep. Using the eight habits, they can express their viewpoints, resolve conflicts, find creative solutions, and value each other’s differences. My belief that everyone has the potential to lead truly stands out in each of our Morriss classrooms!”
One of Rebecca’s key professional goals is to continue growing as an educator by deepening her instructional practice and building strong relationships with students. She strives to create a classroom environment where every student feels empowered, capable, and inspired to lead. “A specific goal I share with my colleagues is for Morriss Elementary to earn Legacy School status. I’m committed to the Leader in Me framework and believe in its power to transform school culture. We are continuing to make progress toward this goal by integrating even more leadership
Did you know this about Rebecca?
On the first day of school, Rebecca kicks things off by going outside for a science scavenger hunt! It’s a fun way to get students thinking like scientists and gives her a sense of their starting point!
Something that might surprise her students is that she loves yardwork! Mowing, gardening, and being outside are her kind of therapy!
She spent this past summer break being a grandmother! She spent
opportunities into the classrooms, refining goal-setting, and strengthening student voice and leadership across our campus. Working together toward this milestone motivates me, and I’m proud to be part of a team that values continuous growth, shared leadership, and lasting impact,” she says.
Teachers thrive when they feel supported, appreciated, and backed by a team that shares a common mission: helping every child reach their full potential. Rebecca believes parents and the community can play a significant role in supporting teachers. “This can be achieved through open communication, supporting learning at home, and reinforcing expectations. Volunteering time, resources, or expertise also makes a big difference. When students see their families and community members actively involved in their education, it reinforces the value of learning and strengthens school pride,” Rebecca says.
every minute possible with two beautiful new granddaughters-Reese Ann and Georgia Kate, who are absolutely precious!
Rebecca starts almost every morning by driving through for coffee to help her get ready for the day!
Rebecca is married to Kennedy Young and has three adult children: Braden, Griffin, and Macy. She lives on a farm in Arkansas and enjoys spending time with her sweet family and friends, cooking, kayaking, playing pickleball, and engaging in all outdoor activities.
TEXARKANA'S TOP LAWYER NOMINATIONS 2025
TOP DISTINGUISHED LAWYER
(Practicing a minimum of 40 years)
Matt Keil
Keil Law Firm
Paul Miller Miller, James Miller & Hornsby
Garnett Norwood Norwood Law Office
Cary Patterson Nix Patterson & Roach LLP
David Potter Potter Law Firm
Winford Dunn
Morgan, Cook & Beck, LLP
TOP LAWYER
Kyle Davis Langdon Davis LLP
Mark Elliott Langdon Davis LLP
Troy Hornsby Miller, James, Miller, & Hornsby LLP
Brent Langdon Langdon Davis LLP
Eric Marks Potter & Marks
Connie Mitchell Miller County Prosecuting Attorney
Jacob Potter Potter & Marks
Joshua Potter Potter & Marks
Lisa Shoalmire Ross & Shoalmire PLLC
TOP YOUNG LAWYER
Felicia Cienfuegos Langdon Davis LLP
Krystal Cecil
Krystal Cecil Attorney at Law, PLLC
Stephen K. Cory Potter & Marks
ADMINISTRATIVE/ REGULATORY LAW
Darby Doan Haltom & Doan
Mark Elliott Langdon Davis LLP
Bruce Flint Law Offices of Flint & Crawford
Matthew Golden Matthew Golden Law Firm PLLC
Fred Norton Norton & Wood
Jacob Potter Potter & Marks
Josh Potter Potter & Marks
Cary Rochelle Law Office of Cary G. Rochelle
APPELLATE PRACTICE
Ralph Burgess Burgess Law Firm
Troy Hornsby Miller, James, Miller, & Hornsby LLP
Brent Langdon Langdon Davis LLP
Colton Langford Langdon Davis LLP
BANKING AND CREDITOR DEBTOR RIGHTS/INSOLVENCY AND REORGANIZATION LAW
Stephen Arnold Arnold & Arnold
Kyle Davis Langdon Davis LLP
Eric Marks Potter & Marks
Jacob Potter Potter & Marks
David Ruff Law Office of David Ruff
BUSINESS ORGANIZATIONS
Hailee Amox Keil Law Firm
Felicia Cienfuegos Langdon Davis LLP
Peter Corcoran The Corcoran Law Firm
Kyle Davis Langdon Davis LLP
Mark Elliott Langdon Davis LLP
Phillip Jordan Jordan Law Firm, LLP
Erin Keil Keil Law Firm
Eric Marks Potter & Marks
Jacob Potter Potter & Marks
COMMERCIAL LITIGATION
John Mark Burgess
Burgess Law Firm PLLC
Mark Burgess Burgess Law Firm PLLC
Felicia Cienfuegos
Langdon Davis LLP
Brent Langdon Langdon Davis LLP
Eric Marks Potter & Marks
Jacob Potter
Potter & Marks
Bob Veon
Veon Law Firm, PA
CRIMINAL DEFENSE, NON-WHITE COLLAR
Jason Horton
Jason Horton Law
Mark Elliott
Langdon Davis LLP
Eric Marks
Potter & Marks
John Pickett
Young Pickett Law Offices
Josh Potter
Potter & Marks
CRIMINAL DEFENSE, WHITE COLLAR
Jason Horton
Jason Horton Law
Matt Keil
Keil Law Firm
Eric Marks
Potter & Marks
John Pickett
Young Pickett Law Offices
Joshua Potter
Potter & Marks
DUI/DWI DEFENSE
Shorty Barrett
Barrett & Tyler LLP
Mark Elliott
Langdon Davis LLP
Jason Horton
Jason Horton Law
Eric Marks
Potter & Marks
Michael Peek
Law Office of Michael D. Peek
Joshua Potter
Potter & Marks
ELDER
LAW
Mark Elliott Langdon Davis LLP
Ben King Ross & Shoalmire PLLC
Cade Mayo J. Michael Brock PLLC
John K. Ross, IV Ross & Shoalmire PLLC
Lisa B. Shoalmire Ross & Shoalmire PLLC
EMPLOYMENT LAW
David Glass The Glass Firm PLLC
Mark Elliott Langdon Davis LLP
Paul Miller Miller, James, Miller & Hornsby LLP
Louise Tausch Atchley, Russell, Waldrop & Hlavinka
FAMILY LAW
Peter Corcoran The Corcoran Law Firm
Krystal Cecil Krystal Cecil Attorney at Law, PLLC
Mark Elliott Langdon Davis LLP
David Glass The Glass Firm PLLC
Erin Keil Keil Law Firm
Brent Langdon Langdon Davis LLP
Eric Marks Potter & Marks
Michael Peek Law Office of Michael D. Peek
INSURANCE LAW
Mark Burgess Burgess Law Firm PLLC
John Mark Burgess Burgess Law Firm PLLC
Felicia Cienfuegos Langdon Davis LLP
Brent Langdon Langdon Davis LLP
Eric Marks Potter & Marks
Michael Peek Law Office of Michael D. Peek
Bob Veon Veon Law Firm, PA
MEDIATION
Ralph Burgess Burgess Law Firm PLLC
Jim Cranford Cranford Law Firm
David James Miller, James, Miller, & Hornsby LLP
MEDICAL MALPRACTICE, DEFENDANTS
Ralph Burgess Burgess Law Firm PLLC
Jennifer Doan Haltom & Doan
Eric Marks Potter & Marks
Paul Miller Miller James Miller & Hornsby LLP
Michael Peek Law Office of Michael D. Peek
Bob Veon Veon Law Firm, PA
Marshall Wood Norton & Wood
MEDICAL MALPRACTICE, PLAINTIFFS
Mark Burgess Burgess Law Firm PLLC
David Glass The Glass Firm PLLC
Matt Keil Keil Law Firm
Brent Langdon Langdon Davis LLP
Eric Marks Potter & Marks
Monty Murray Murray Law Office
Joshua Potter Potter & Marks
Michael Peek Law Office of Michael D. Peek
PERSONAL INJURY, DEFENDANTS
Kyle Davis Langdon Davis LLP
Brent Langdon Langdon Davis LLP
Bob Veon Veon Law Firm, PA
Marshall Wood Norton & Wood
PERSONAL INJURY, PLAINTIFFS
Mark Burgess Burgess Law Firm PLLC
David Carter Mercy Carter LLP
Erin Keil Keil Law Firm
Matt Keil Keil Law Firm
Brent Langdon Langdon Davis LLP
Eric Marks Potter & Marks
Monty Murray Murray Law Office
Michael Peek Law Office of Michael D. Peek
PRODUCT LIABILITY, DEFENDANTS
Darby Doan Haltom & Doan
Brent Langdon Langdon Davis LLP
Eric Marks Potter & Marks
Paul Miller Miller James Miller & Hornsby LLP
Michael Peek Law Office of Michael D. Peek
Bob Veon Veon Law Firm, PA
Marshall Wood Norton & Wood
PRODUCT LIABILITY, PLAINTIFFS
Mark Burgess Burgess Law Firm PLLC
Jennifer Doan Haltom & Doan
David Glass The Glass Firm PLLC
Matt Keil Keil Law Firm
Brent Langdon
Langdon Davis LLP
Eric Marks
Potter & Marks
Matthew Golden
Matthew Golden Law Firm PLLC
Matthew Soyars
Soyars & Soyars
REAL ESTATE LAW
Kyle Davis
Langdon Davis LLP
Mark Elliott
Langdon Davis LLP
David Glass
The Glass Firm PLLC
Phillip Jordan
Jordan Law Firm LLP
Brent Langdon Langdon Davis LLP
Cade Mayo
J. Michael Brock PLLC
Jacob Potter Potter & Marks
TAX LAW
Susan Binkley
McDaniel Binkley Law Firm
Nick Newton Langdon Davis LLP
Fred Norton
Norton & Wood
TRUSTS AND ESTATES
Hailee Amox
Keil Law Firm
Peter Corcoran
The Corcoran Law Firm
Stephen K. Cory Potter & Marks
Mark Elliott Langdon Davis LLP
Fred Norton Norton & Woods
Jacob Potter Potter & Marks
John K. Ross, IV Ross & Shoalmire PLLC
Lisa B. Shoalmire Ross & Shoalmire PLLC
WORKERS COMP, CLAIMANTS
Greg Giles Moore, Giles & Matteson LLP
Matthew Golden
Matthew Golden Law Firm PLLC
Fred Norton Norton & Wood
Mike Unger Unger Law Firm
WORKERS COMP, EMPLOYERS
Jeff Elliott Elliott Law Firm
Fred Norton Norton & Wood
We are honored to be nominated as Texarkana’s Top Attorneys. Thank you.
Jacob S. Potter
Texarkana’s Top Lawyer
Administrative/Regulatory Law
Banking and Creditor Debtor Rights/Insolvency and Reorganization Law
Business Organizations
Commercial Litigation
Real Estate Law
Trusts and Estates
Joshua L. Potter
Texarkana’s Top Lawyer
Administrative/Regulatory Law
Criminal Defense, Non-White Collar
Criminal Defense, White Collar
DUI/DWI Defense
Medical Malpractice - Plaintiffs
Eric A. Marks
Texarkana’s Top Lawyer
Banking and Creditor Debtor Rights/Insolvency and Reorganization Law
Business Organizations
Commercial Litigation
Criminal Defense, Non-White Collar
Criminal Defense, White Collar
Family Law
Insurance Law
Medical Malpractice, Defendants
Medical Malpractice, Plaintiffs
Personal Injury, Plaintiffs
Product Liability, Plaintiffs
Product Liability, Defendants
Stephen K. Cory
Texarkana’s Top Young Lawyer
texarklaw.com
COSMETIC SURGEON
Brent Carmony
Charles Hollingsworth
David Whitten
Zackary Legan
COUNSELOR
Excellence In Healthcare Nominations 2025
FAMILY PRACTITIONER
Andrea Heflin, Texarkana Senior Care Clinic
Angela Ramsey, Texarkana Family Healthcare
Brian Bowen, Family Medical Group
Brittney Ackley, CHRISTUS Trinity Clinic
Cara Cook, Family Medical Group
Ashli Sutton, Genesis PrimeCare Behavioral Health
Billy Elderidge, Olive Tree
Erica Ramage, Grace Counseling
Susan Whitten, Beauty and Wellness Center
Tammy Altenbaumer, Genesis PrimeCare Behavioral Health
DENTIST
Mark Addington, DDS
Andrew Curry, DDS
Castle Family Dental
Chris Ferguson, DDS
David Vammen
John Thane
Josh Talley
Lippian Family Dentistry
Pleasant Grove Family Dentistry
Randall Ellis
Sarah Payne
PEDIATRIC DENTIST
Brian Steele, Ark-La-Tex Pediatric Dentistry
Chris Potts, The Kids Spot Dentistry
Leslee Higgins, Leap Kids Dental
Mitchell Glass, Pediatric Dentistry of Texarkana
Brent Danley, Ark-La-Tex Pediatrics
Craig Mueller, Family Medical Group
Gregory Richter, Collom & Carney Clinic
Kyle Groom, Dekalb Physicians Clinic
Mark Gabbie, CHRISTUS Trinity Clinic
Patrick Smith, Family Medical Group
San Nix, Access Medical Clinic: Texarkana
Steve Allen, Family Medical
Tara Capeheart, Twin City Medical
Trey Pirkey, Supracare - New Boston
Troy Potter, Collom & Carney Clinic
Wendy Gammon, Texarkana Family Healthcare
NURSE
August Wright, CHRISTUS St. Michael’s
Faith Graves, CHRISTUS St. Michael’s
Jo Bennett, Collom & Carney Clinic
Whitney Eddy, CHRISTUS St. Michael’s
NURSE PRACTITIONER
Candance Baird, Texarkana Surgical Specialist
Cara Cook, Family Medical Group
Cheyenne Autry, Genesis PrimeCare
Melissa Lamon, Collom & Carney Clinic
Porsche Branch, Genesis PrimeCare
Tirsa Miller, Genesis PrimeCare
Dr. Sean Summers
Dr. Eric McCall
Dr. Priscilla Kier
Dr. Jeff Phillips
OB-GYN
D'Andra Bingham, Collom & Carney Clinic
David Greathouse, Collom & Carney Clinic
James Scales, Genesis Prime Care
Kenneth West, The Women’s Specialists
Sarah Greathouse, CHRISTUS Trinity Clinic
Stacy Leonard, Collom & Carney Clinic
Sudheer Jayaprabhu, The Women’s Specialists
Thomas Wilson, CHRISTUS St. Michael
OCCUPATIONAL / PHYSICAL THERAPIST
Claire Ashby, Southern Rehab & Sports Meds
Carly Davis, Texarkana Therapy Center
Rachel Grimett, Southern Rehab & Sports Meds
Martha Jennings, CHRISTUS Trinity Clinic
Cori Mobbs, Enhabit Home Health
Russ Nelson, CHRISTUS St. Michael Outpatient Rehabilitation
Lauren Foster Norton, Physcial Therapy of Texarkana
Dorie Pearson, Texarkana Therapy Center
Lesa Shipp, Christian Care Center of Texarkana
Jenna Sturgeon, Post Acute Medical Health
Dr. Brenda J. Stuart-Howel
Lance Vestal, CHRISTUS St. Michael Hospital
OPTOMETRIST
Adam Cox, Family Eye Care
Eric McCall, The Eye Guys
Juan Galdamez, Fant Eye Care
Randall Glass, Fowler Optical
Jeff Philips, The Eye Guys
Jessica Trichel, Nash Eye Care
Littleton Fowler, Fowler Optical
Mark Allen, Ark La Tex Eyes
Sean Summers, The Eye Guys
ORTHODONTIST
Bryan Hiller
Kurt Anderson
James Shamburger
Stacy Burson
ORTHOPEDIC DOCTOR
Abebe at CHRISTUS St. Michael’s
Doug Thompson, Collom & Carney Clinic
Greg Smolarz, CHRISTUS St. Michaels
Howard Brown, CHRISTUS St. Michaels
Thomas Young, Collom & Carney Clinic
Trey Mitchell, CHRISTUS St. Michael Health System
Orthopedics and Sports Medicine
PAIN MANAGEMENT SPECIALIST
Dan Martin, Northfield - Acupuncture
Marvin Faulkner, CHRISTUS Trinity
Mike Wages
Naila Ghafoor
PEDIATRICIAN
Cheryl Saul Sehy, Collom & Carney Clinic
Christina Payne, Collom & Carney Clinic
Krista Niemeyer, Genesis Prime Care
Cindy Porter, Collom & Carney Clinic
Clark Green, Collom & Carney Clinic
Mark Wright, Collom & Carney Clinic
Rachel King, King Medical Clinic
Tracie Calloway, Healing Hands Pediatrics
Tina Etminan, Genesis Prime Care
Zach King, Collom & Carney Clinic
SURGEON
Benjamin DuBois, CHRISTUS Trinity Clinic
Beth Peterson, Titus Regional Medical Center
Douglas Thompson, Texarkana Orthopedics
Jeffrey DeCaprio, Collom & Carney Clinic
John Reid, CHRISTUS Trinity Health
Marcus Smith, CHRISTUS St. Michael Hospital
Marney Sorenson, Titus Regional Medical Center
Mark Sutherland, Texarkana Surgical Specialists
Meko Radomski, Collom & Carney Clinic
Rachael Keilin, CHRISTUS St. Michael Hospital
Randy Schmidt, CHRISTUS Surgery Associates
Trey Mitchell, CHRISTUS St. Michael Health System
Orthopedics and Sports Medicine
Thomas Young, CHRISTUS St. Michael Health System
Dr. Cindy R Porter, MD Board Certified Pediatrician
Shopping by APR: The smart way to compare mortgage offers
There was recently a discussion within our office about borrowers shopping rates/fees between banks and mortgage companies. We finally concluded that:
a.) while borrowers do shop rates, it is not nearly as often as they should b.) most borrowers do not shop by APR
According to studies by Freddie Mac and the Consumer Financial Protection Bureau, over 75% of mortgage borrowers apply with only one lender. Borrowers who get multiple quotes can save thousands over the life of the loan-sometimes over $1500 just in the first five years. A borrower who shops around for just two additional rate quotes saves an average of $1200-$3000.
Why to shop by APR in addition to rate:
APR stands for Annual Percentage Rate, and it reflects the true yearly cost of borrowing money. Unlike the base interest rate, APR includes lender fees, discount points, and other charges you will pay to get the loan. It is expressed as a percentage, just as the interest rate, but usually runs slightly higher. The interest rate is the cost of borrowing the principal and the APR is the interest rate plus most loan fees.
Shopping the lowest rate and APR, allows you to compare apples to apples. Two lenders may have the same rate, but one APR is higher than the other. This may indicate that one lender has considerably higher fees than the other.
You can also compare loan types by comparing APRs. For instance, a fixed rate vs. a variable rate or conventional vs. government loans.
Tips for shopping by APR:
Request a Loan Estimate: Every lender must provide a standardized Loan Estimate that clearly lists the APR and all costs.
Compare more than one option: Look at at least three lenders. Credit unions, banks, and mortgage brokers may offer different pricing.
Look beyond APR alone: Use the APR as a primary filter, then dig into the Loan Estimate for context such as prepayment penalties, adjustable rate, etc…
Don’t ignore service and speed: A slightly lower APR may not be worth it if the lender has poor communication or cannot meet closing deadlines.
Shopping by APR is one of the smartest ways to avoid getting caught off guard by mortgage costs. It keeps you focused on the total cost and not just the shiny interest rate. Combine APR with a clear understanding of your homeownership goals – how long you will stay in the home, cash-on-hand, etc.. and you will be in a much better position to make the right mortgage decision.
Scan the QR code in our ad to the right to get your customized quote from one of our originators today!
Our Core Values:
Winning Approach
We hustle to make big things happen for our clients and partners.
Customer Oriented
We work to ensure our customers have a memorable experience.
Accountable
We deliver on our promise and own the outcomes.
Honest and Courageous
We stand up for what’s right and stay open to new ideas.
Team Focus
We foster growth.
Who We Help: •
•
5402 Plaza Dr | Texarkana, TX 75503
903.832.3720
Carolyn Faoliu, Linda Rankin, Laura Ross, Aless Pena
Twin City Title & Miller County Abstract & Title
Cori Rose
Cori Rose is an Escrow Officer and long-time employee with Twin City Title. She has been in the title company field for over 22 years and has worked at Twin City for 12 years. She began as a receptionist, working with order entry and abstracting at times, then was promoted to escrow officer. She holds an escrow license and completes continuing education every two years to stay up-to-date on any new rules or changes affecting her position. Cori’s day-to-day responsibilities include a lot of customer service, whether she is reviewing title work, resolving title issues, answering emails and phone calls, reviewing documents for parties, disbursing funds, and ensuring every document is in top shape during the closing process. “A lot of people do not understand the time required to make sure the closing is handled properly,” Cori says.
Cori advises all home buyers to ask a lot of questions, especially if they are unsure of the process. “Make sure you understand the terms of a contract and what you are paying at closing,” she says.
Cori has two children: a daughter at the University of Oklahoma studying to become an attorney, and a son at Texas High School who plays trumpet in the marching band and bass guitar in the jazz band. She loves spending time with her family when she is away from work.
Mandy Robertson
Mandy Robertson is an Escrow Officer for Twin City Title, a job that involves working and closing real estate transactions daily. She has been an escrow officer for 16 years, spending many hours managing a multitude of tasks behind the scenes. “We coordinate with agents, lenders, buyers, sellers, and more while trying to meet strict deadlines. Problem solving is a must; we work to find solutions when problems arise to keep the deal moving,” Mandy says. Although escrow officers are a neutral third party, working only for the transaction, Mandy cares deeply about the closing experience. “We are proud to be part of it and want it to go as smoothly as possible,” she says.
Mandy offers great advice for home buyers, saying, “Buying real estate is a huge financial commitment, and the smartest buyers protect themselves by staying informed, objective, and prepared.” Mandy also advises sellers to be proactive in addressing any issues promptly, cooperating with all parties, and staying informed throughout the process to minimize delays and potential problems.
When Mandy is not at work, she enjoys spending time with her family. She has been married to her husband, Keith, for 26 years, and the couple has two sons, Mason, 24, and Dalton, 22, as well as a host of siblings, nieces, and nephews. Mandy is a huge college football fan and has been able to travel and watch her nephews play football.
Visit Twin City Title in Texarkana or New Boston for all your title needs. They have been serving the Texarkana area since 1981 and provide title insurance and related real estate closing and mortgage services to individual consumers, mortgage lenders, businesses, and government agencies.
$725,000
Hey friends, I’m so excited to share this beautiful property that just hit the market! Whether you're an avid hunter or simply want space to relax, listen to nature, and connect with yourself, this one’s worth a peek. LIST PRICE
WHAT I LOVE ABOUT IT
— 126 Acres of Gorgeous Land, a hunter’s paradise!
— Undulating hills, lush greenery, and a charming pond — Building equipped with a bathroom, kitchenette, and electric and water hookups ready for your use!
Suzie TK SnippeTS
By: Suzie Tyler
Make Texarkana Great Again!
Have you visited downtown Texarkana lately?
There is a lot of activity going on, and it’s all good. The Grim Hotel has been restored to its 1950s and 1960s appearance, and the Miller County Courthouse has undergone remodeling. It remains as I remembered it when my dad and I visited my grandfather, who served as a jailer in the fifties.
Numerous buildings have been renovated into museums, restaurants, lofts, and open-air venues. The Arts and Entertainment District reflects much of the Twin Cities’ past.
As a Texarkana native, my heart swells with pride driving down Broad Street. Many structures can never be restored to their original state because of new buildings in their place, which is sad to me. I’m all for progress, but some things are better restored.
Eddy Arnold recorded the song “Texarkana Baby” in 1949. It was one of the first 45 RPM records issued by RCA. We don’t hear it as often today as we did in the fifties.
I can’t say I’m a ‘genuine’ Texarkana Baby because “My pappy came from Arkansas and my maw from Louisiana.” But I am a real “Texarkana, Arkansas” native! Born and raised here!
My research for a book about the history of the 1950s in Texarkana benefited immensely from the Texarkana Museum’s digital city directories, which date back to the inception of the directories.
In the 50s, our little world solely comprised the four-state areas of Arkansas, Texas, Louisiana, and Oklahoma. The most used mode of travel was the train from Union Station, located at the end of Stateline, with a huge waiting area.
I remember the interior was made of marble, and the ceiling was so high that it echoed when you talked. Because my dad worked for the Cotton Belt Railroad, we could ride for free.
I made my first solo train trip to College Station to spend a week with my brother at Texas A&M when I was 10 and rode the ‘milk train, stopping at every dairy farm to pick up milk. Shhh, do not tell my girls. I would not let them breathe by themselves until they were 16.
Jet airplanes and the internet have opened new horizons, and some Texarkana natives cannot wait to leave and find their dreams elsewhere.
Today, we are such a mobile society. With the Texarkana Regional Airport’s expansion, Dallas is now easily accessible by air, providing access to worldwide destinations.
Texarkana is unique in so many ways. We are a city with two city governments in two states, but share a water department and a post office, with different zip codes. We are the only city with a border city exemption from state income tax for Arkansas residents.
You can stand in one place and have one foot in Texas and one in Arkansas. When driving North on Stateline, you are in Arkansas; when driving South, you are in Texas.
Texarkana is the only small town featured in the new Elvis movie. It has also been the subject of the films The Town That Dreaded Sundown, Boggy Creek Monster, and Smokey And The Bandit, and has been mentioned on numerous television shows.
For those who have stayed in Texarkana or moved here and love it, Texarkana really is “Twice As Nice.”
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STRINGER WEALTH MANAGEMENT
RAYMOND JAMES FINANCIAL
FOUR PRICELESS MONEY LESSONS FOR KIDS
FAMILY & LIFESTYLE
Financial literacy is a gift that lasts a lifetime.
Financial tradeoffs, interest rates and the importance of having an emergency fund: Our current economic circumstances are full of teachable moments we can and should share with our children. After all, they’re probably not learning these topics in school. Only 1 in 6 students will be required to take a personal finance course before earning a high school diploma, according to nonprofit Next Gen Personal Finance.
That’s why we’re equipping you with money tips and topics to discuss with the children in your life, plus independent study materials (ahem, videos and games) that will hold kids’ attention while teaching them money management. Keep reading to get to the head of the class.
Being in charge of the budget
Are your children constantly asking you for money? One Florida father found a way to nip that in the bud: He had his teen and preteen sign a contract stating what expenses he would pay for, then gave them a set amount of money to spend each month for clothing, cellphone bill and extras. “My son’s hard lesson came when his friend pushed him into a pool along with his cellphone. He learned why it’s important to build a reserve for unexpected expenses,” the father said. Giving your kids a paycheck allows them the chance to make financial decisions – and experience the consequences firsthand.
The economics of higher ed
We’ve all asked a kid, “What do you want to be when you grow up?” Instead ask what their interests are and help them explore how they might be applied in a future career. This teaches them adaptability, something of value in a changing economic landscape.
As they get closer to making a decision about whether to attend college or trade school, help them think through the costs and benefits. Junior Achievement’s Access Your Future app can help them crunch the numbers. And if you have a child already attending college, know that timing is everything. Yale researchers have found that graduating from college in a bad economy has a lasting negative impact on wages –and many students are considering gap years and grad school because of this.
The roots of retirement
Raise your hand if you want to raise a child who will hit the ground running when it comes to saving for retirement. Personal finance experts say we should let our children know that retirement is the biggest expense they’ll ever save for, and it’s important to start early. To help them understand the value of compounding, help them open a savings account (or guardian-type brokerage account) where they can experience the power of this phenomenon for themselves.
Extra credit knowledge
When you’re young and don’t have much money, it’s easy to rely too
much on credit and jeopardize your financial future. Help your child understand the importance of a good credit score and explain how you keep yours up. Share stories about how you financed your first car or house and explain in concrete terms how the interest rate affected the overall purchase price. Finally, consider adding your teens as an authorized user on your credit card and teaching them how to read a statement and pay the balance in full each month.
In giving your child, the gift of financial literacy, you’re helping set them up for a brighter future. Through a purposeful approach, we can all do our part to raise the next generation of resourceful citizens.
Next steps
• Have family or friends share stories of how they thrived during a recession or found creative ways to stretch a budget.
• Consider helping your child get started with investing, keeping in mind their investments will change calculations for college aid.
• Introduce your family members – even the younger ones – to your advisor, who can act as a teacher’s aide for financial literacy.
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August
EVENTS IN TEXARKANA, USA
School is back in session! Check out these local school start dates.
monday, august 4
monday, august 11
WEDNESDAY, AUGUST 13
WEDNESDAY, AUGUST 6 Thursday, august 7
TUESDAY, AUGUST 12
monday, august 18 wednesday, august 20
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