School has started, and routines are settling back in. While I always hate to see summer end—especially since I do not have young children heading to school—there is so much to look forward to this fall. For instance, Jaclyn’s recent promotion to Sergeant at DPS signifies exciting new opportunities and growth. Let’s celebrate her achievement! As the seasons change, soon the pool will close for the year, marking the end of our cherished afternoon relaxation. However, let’s make the most of this last chance to unwind and savor the sun. Embrace the upcoming holidays and the cozy months ahead—it is a perfect time to cherish moments and create lasting memories.
Eighteen years ago, I took a bold step forward by launching a local magazine, driven by incredible support from some amazing customers. Without their encouragement, ALT Magazine would not be here today. Reflecting on this journey, I am amazed at how much I have grown and the extraordinary people I have met along the way—people I would have never encountered otherwise. Highlighting ordinary individuals doing extraordinary things has become my passion, and this month, we have such a story to share. Join us as we celebrate these inspiring journeys and the power of community.
John Ross and Lisa Shoalmire have been more than just friends to me—they have been a source of inspiration for many years. I have had the privilege of capturing their moments through photography, referring friends to them, and even celebrating their achievements and awards. This month’s feature on them opened my eyes to the deeper meaning behind their lives, revealing qualities and stories I had not known before. I am truly more impressed than ever, and I believe you’ll be inspired too. I invite you to discover “the rest of the story’ and see why these remarkable individuals are so deserving of recognition.
Of course, weddings will always hold a special place in my heart. Having spent years capturing the joy, love, and unforgettable moments as a wedding photographer, I have had the privilege of witnessing countless beautiful brides, handsome grooms, stunning decorations, and touching ceremonies. These experiences have given me memories I cherish for a lifetime. While I no longer photograph weddings—mainly because my back is not as young as it used to be—I wholeheartedly believe that every wedding is a unique story worth celebrating. Throughout my career, I have encountered an array of personalities, from sweet and loving to demanding and intense. I often joke that I should write a book about the wild and hilarious moments I have witnessed—names changed, of course, to protect the innocent (or not so innocent!). My years behind the camera have shown me that love’s journey is truly extraordinary, and capturing those moments is an honor I would not trade for anything.
Take a moment to immerse yourself in the stunning weddings featured in this month’s issue. As you relax, read, and unwind, let yourself truly savor these beautiful moments. Remember, they pass by all too quickly—so do not miss the chance to cherish them now. May God bless you and yours…
PROTECTING WHAT MATTERS MOST: ROSS & SHOALMIRE’S 20 YEARS OF ADVOCACY FOR FAMILIES
Article by: Michelle Horton
They may have started with just two laptops and a card table, but 20 years later, attorneys John Ross and Lisa Shoalmire have built one of the most trusted elder law firms in the region. With offices across East Texas and Southwest Arkansas, Ross & Shoalmire has become a household name— known not just for legal expertise, but for compassion, advocacy, and a mission to protect what matters most: families.
The duo behind the firm, Ross and Shoalmire, have remarkably different personal stories, yet they share the same vision. That vision has fueled two decades of growth, innovation, and relentless service to older adults, people with disabilities, and their families.
As they celebrate their 20th anniversary, both attorneys reflect on their journeys, their motivations, and the impact they have made.
Roots and Early Influences
For John Ross, the seeds of discipline and determination were planted early in San Marcos, Texas, where both of his parents taught at Texas State University in the School of Business. After high school, he chose a challenge few undertake—joining the United States Marine Corps. “I joined the Marines in 1995 and opted for Infantry,” he recalls. “It was a personal challenge to join the most elite branch of services and serve in the most challenging job.” Those four years included two deployments to Southeast Asia. Ross believes that time shaped his outlook as he states, “The Marines will teach you that whatever challenge you face, you can overcome with enough determination.”
For Lisa Shoalmire, childhood in Shreveport came with its own formative lessons. “I grew up in a hardworking, blue-collar family,” she says. “My dad spent his career at the Western Electric/AT&T plant, while my mom worked in bookkeeping before later finding her way into real estate. Neither of my parents graduated from high school, so the early years weren’t always easy—but their resilience and work ethic set a powerful example for me.”
Shoalmire also had a deeply personal connection to disability advocacy from the start. “I’m a twin, and my sister was born with intellectual and developmental disabilities as well as cerebral palsy,” she shares. “Growing up alongside her gave me a front-row seat to the challenges—and triumphs—of living with special needs. That experience shaped my worldview and planted the seed for my future. From a young age, I knew I would be an advocate in some way. I wanted to use my voice, my energy, and my skills to stand up for those who needed it most.”
Education was the bridge that carried both attorneys toward their future. After leaving the Marines, Ross returned to San Marcos and studied accounting while working at an equine therapy ranch for adults with disabilities. He says, “During my accounting education, I learned I had a knack for tax. The reason I went to law school was to further that knowledge to become a tax attorney.” Law school, however, expanded his focus. “I learned about the interplay between taxation, estate planning, and business planning,” Ross explains. “My focus expanded to encompass all of those matters.”
Shoalmire also began with accounting, earning her degree at Northwestern State University in Natchitoches, Louisiana. “I was the first person in my family to go off to college and get a fouryear degree. While I was in school, I waited tables at places like Pancho’s Mexican Buffett, Ryan’s Steakhouse, and a catfish place. I had scholarships, but I needed money for living, and my family wasn’t in a position to help much. I also taught swimming at Holy Angels in Shreveport - a facility for disabled adults like my sister,” Shoalmire says. “My first job after graduating college was about as humble as it gets—I started in the mailroom of Lavalco, Inc., a supplier of oilfield pipes, flanges, and valves. It was a temporary position I landed through a staffing agency while I was searching for an accounting job. One day, the company’s controller walked in, asked if I had an accounting degree, and hired me on the spot as a general ledger accountant. That leap from sorting mail to managing real-world numbers was my crash course in how businesses really work. I later studied for and passed the CPA exam, then joined a public accounting firm in Shreveport.”
Shoalmire always knew she wanted to be an advocate, but law school seemed like a far reach for her. It was at a debate camp during her high school years that she realized becoming a lawyer was possible. “From that point on, Baylor Law School became my goal. I got the accounting degree in case the law school goal did not happen. Over time, my motivation has stayed the same—using my skills to help and stand up for others,” Shoalmire says.
Meeting and Founding a Firm
Both attorneys landed in Texarkana early in their careers. Ross found his first job out of law school in tax and estate planning. “Very early on, I recognized that the legal field was not prepared to meet the needs of the growing retiree population. There was no centralized field of law that combined the knowledge of tax and estate planning with expertise in government benefits like Social Security, Medicare, and Medicaid, real estate issues particular to older Americans, and all things aging,” Ross says.
The city of Texarkana would become the place where the paths of Ross and Shoalmire would cross. After Shaolmire graduated from law school, she worked for the Sixth Court of Appeals in Texarkana as a briefing attorney for Justice Donald Ross. Later, she became a staff attorney for the entire court. “I later joined some local firms in Texarkana and did everything from insurance defense to family law to income tax defense. I also did some estate planning,” Shoalmire says.
Ross remembers the turning point vividly. “Lisa and I decided that Texarkana and the surrounding communities needed a boutique law firm that specialized in everything aging,” he says. In September 2005, they made the leap. “We started our practice with two laptops and a card table. From there, we went on a mission to spread our knowledge to the community through publications, radio programs, and speaking engagements.”
Filling a Critical Need
Both attorneys stress that their practice grew out of recognizing a gap in legal services. “Our service area of northeast Texas and southwest Arkansas is made up of a higher percentage of older people, many living in rural communities,” Shoalmire explains. “Before we started focusing on elder law and special needs law, the closest knowledgeable attorneys were in Dallas or Little Rock. It is intimidating to many clients to travel to the city to get legal advice, not to mention it’s generally more expensive. We knew that we could provide the same expertise, more conveniently, and at a lower cost.”
Both believe that what makes their work unique is the chance to help clients without creating adversaries. “Lisa and I wanted to use our accounting and legal backgrounds to help others. Unfortunately, the law is typically adversarial. In virtually any legal practice, someone wins and someone loses. But not with us. We’ve created a practice where we can help people without doing it on the back of some other party. And with a client base of the elderly and people with disabilities, we can help those who are genuinely in need,” Ross says.
What Clients Experience
At Ross & Shoalmire, the client process always begins with listening. “With every client, we spend time learning about them, their unique situation, and their desires for protecting themselves and leaving a legacy. Then, it’s about educating them about how various laws and regulations impact their situation,” Ross explains. “After that, we’re outlining a plan that will protect them while they are alive, pass assets to their heirs in the most efficient way, and protect their heirs from potential issues like divorce or disability.”
Shoalmire expands on this approach: “When someone becomes a client at Ross & Shoalmire, the first thing we do is listen. We start with a conversation—not a stack of forms—so we can truly understand their goals, concerns, and unique family situation. From there, we explain their options in plain language, without legal jargon, so they feel informed and in control. We walk them through the process step by step, making sure they know exactly what to expect and when.”
Every client that walks through the doors of Ross and Shoalmire has a different situation, so their plans are customized—not one-size-fits-all. Whether it’s creating an estate plan, guiding them through probate, or planning for long-term care, their goal is always the same: to protect what matters most to them and give them peace of mind.
This hands-on approach creates meaningful victories. “The best days are when you get to call a client and tell them we have won approval for the care their loved one needs,” Shoalmire says. “Especially
when the State agency has given the family the run-around for months or wrongfully denied a request for help.”
Changing Laws, Growing Complexity
Over the past 20 years, both attorneys have seen dramatic changes in the legal landscape. Shoalmire highlights the shift from paper-heavy processes to digital systems. “Over the years, technology has transformed how we work—courts, government agencies, and law firms have moved to electronic filings, virtual hearings, and digital records,” she says. “It’s made some parts of the process faster and more accessible, but it’s also created new challenges for clients who aren’t comfortable with technology.”
Regulations have also grown more complex, especially in elder and special needs law. Rules around Medicaid, veterans’ benefits, and long-term care have changed repeatedly, often with little notice. Staying on top of those changes has become a critical part of serving their clients well.
Ross believes the complexity of regulations has only grown. Quoting actress Bette Davis, he says, “‘Getting older is not for sissies.’ Add the normal challenges with aging to an increasingly regulated world of government regulations and unintelligible rules and laws that directly affect seniors, and it becomes impossible to navigate without experts who stay on top of those rules.”
Lessons Families Should Know
Both attorneys are passionate about educating families. Ross stresses awareness: “So many people are at risk and have no idea that there are solutions available. It’s often not that people don’t want to protect themselves, they just don’t know there’s a problem or a solution.”
Shoalmire, focusing on families with special needs children, states, “When a special needs child turns 18, they are a legal adult and they are ‘their own guardian.’ Medical personnel and service providers have no obligation to include parents in the decision-making processes. I recently had a case where a 22-year-old autistic adult needed immediate dental surgery. She did not have the capacity to consent, and her parents were not her legal guardians, so they couldn’t consent either. We had to seek an emergency guardianship to get the parent appointed so their adult child could have the procedure. It caused a two-week delay in getting the treatment and getting the child out of pain,” she explains. “Assuming everything will go a certain way, without getting it down in writing, is a costly mistake,” she warns.
Shoalmire also assists with business succession for high-net-worth individuals and top-tier companies across the region. On business succession, she strongly advises: “Do not assume anything and do not put it off! We have seen successful family businesses implode because they lacked a succession plan. Some children or spouses work in the business, while others do not, and they all have different expectations. The business owners should get a plan and share it with their partners and family members. This sets expectations, and you find out quickly if there is a potential conflict. Also, there are significant tax consequences depending on how the succession is done. You need to plan for it so your family doesn’t end up having to sell off the business just to pay taxes.”
Recognition and Service Beyond the Firm
Two decades of work have also brought recognition. Ross was recently honored with the 2025 Powley Award, a national award presented to members of the National Academy of Elder Law
Attorneys who has demonstrated a commitment to promote, in the minds of the general public, a greater understanding of the rights and needs of older Americans and people with special needs and of how elder law attorneys advocate for those rights. He also served as President of the Tri-State Alzheimer’s Alliance for 12 years and remains a member of the Alzheimer’s Arkansas board and the Christus Health Leadership Council. Ross also records episodes of the Big Picture Retirement Podcast, recently rated by Bolden as one of the top personal financial podcasts in the nation.
Shoalmire, meanwhile, serves as President of the Texas Chapter of the National Academy of Elder Law Attorneys (NAELA), leading 250 attorneys in sharing best practices. “NAELA works to improve the quality of legal services for older adults and people with disabilities. Elder and special needs law is a unique area of practice because clients often face challenges related to memory, mobility, disability, chronic illness, or other health conditions. NAELA requires its members to adhere to professional standards that go beyond the regular professional rules lawyers must follow, recognizing that this area of law often requires extra care and sensitivity to meet the needs of clients,” Shoalmire says.
She is also the only Certified Elder Law Attorney (CELA) in the region. “Certification is achieved after demonstrating competence over many years of practice in complex elder law matters, positive professional references, and passing an exam. There are only four other CELAs in the state of Arkansas, and only 28 other CELAs in the entire state of Texas,” Shoalmire says.
In addition, Shoalmire has previously served on the board of Opportunities, Inc., for nearly two decades, at one point, spending time as the board’s President. She is currently serving on the Texarkana Community Foundation board.
Building a Lasting Legacy
When asked what has kept the firm strong for 20 years, both attorneys point to their commitment to community and accessibility. “We have devoted ourselves to making sure every client is taken care of in the best possible way,” Ross says. “And since our area is so rural, we are willing to meet clients where they need us. That’s why we opened offices in Paris, Longview, Tyler, Magnolia, and Hot Springs. And we help everyone we can. You shouldn’t have to go to Dallas or Little Rock to get big city expertise.”
Shoalmire emphasizes trust and compassion, “Ross and Shoalmire has lasted 20 years because it was built on a clear mission: to protect and empower older adults, people with disabilities, and their families. From the very beginning, the focus wasn’t just on the legal work—it was on relationships. We built trust by listening, explaining the law in ways people could understand, and delivering solutions tailored to each client’s unique needs. Our reputation grew because we combined deep legal knowledge with a human touch. Clients knew they could count on us not just for
technical expertise, but for compassion and honesty,” she explains. “Over the years, that trust turned into referrals, long-term relationships, and a strong presence in the communities we serve.”
20 Years and Counting
From humble beginnings at a card table to becoming regional leaders in elder and special needs law, Ross and Shoalmire have built more than a firm—they’ve built a legacy of advocacy. For them, the work is deeply personal and profoundly impactful.
“Rich and poor, from farmer to rocket scientist, we have the knowledge to guide them,” Ross says. Shoalmire agrees: “Our goal is always the same: to protect what matters most and give families peace of mind.”
And as the firm marks 20 years, one thing is clear: Ross & Shoalmire’s mission is far from finished.
Dan L. Martin, DOM Doctor of Oriental Medicine
Northfield Acupuncture Clinic is an Oriental Medicine Clinic
Advanced Vision and Eye Health Examinations
• Two parts to our examinations, Visual System evaluation and Eye Health evaluation
• Digital Computerized Phoroptors providing more precise glasses prescriptions
• Corneal mapping providing more precise glasses and contact lens prescriptions
• High Definition Retinal Photography included with examinations providing better Eye Health evaluations
• Not all eye exams are the same, we will provide the most thorough vision and eye health examination you have experienced
Cole and RyleeCHRISTEN
Cole and Rylee met at the University of Arkansas through mutual friends. What began as a fun and flirty friendship gradually grew into a meaningful relationship. From walking to class together to spending more time outside of school, their connection steadily grew.
During his vows, Cole said, “Who would’ve thought a walk to our Intro to Marketing class would lead to walking through life together? I did.”
Their story is just that. Genuine, simple, and built on everyday moments. A college connection that naturally turned into something lasting.
They will always hold Fayetteville close to their hearts, as it’s the place that brought them together and built so many cherishable memories.
Kaleb and Haley met in band at Ouachita Baptist University in the fall of 2022. Kaleb fell in love the moment he saw Haley, and when he finally asked her out, the rest was history! A few months after they met, he asked her to attend an ETA formal, and they started dating on December 3, 2022. Fast forward two years, to November 16, 2024, Kaleb proposed, and eight months later, they became husband and wife.
The day was special because...
We loved having everyone who loves and supports us there for our big day, which was so special to us! We had family and friends fly in and drive several hours to be there, and it meant the world to us!!
Parents of the Bride: Teresa Jackson
Parents of the Groom: Kelly Freeman
Maid of Honor: Lyndsey Gardner
Bridesmaid: Allison Hatfield
Best Men: Jared Beehn, Garrett Griffen
Groomsmen: Peyton Floyd, AJ McWilliams
Ushers: Ethan Freeman, Ryan Corley
Flower Girls: Kaylani Morgan
Ring Bearer: Elijah Morgan
Pastor/Officiant: Roger Copeland
Flowers: Teresa Jackson
Bridal Hair: Bride
Bridal Make-up: Bride
DJ: Wes Spicher
Venue: Garrison Gardens
Wedding Coordinator: Ashley Saunders
Cake: Pauls Bakery (Van Buren)
Caterer: Good Mood Food Catering
Photographer: David & Haven Linn
Live Wedding Painter: Alysha Colburn
Wedding Invites: The Knot
Ceremony Music: I See the Light (from Tangled)
Violin Cover by Daniel Jang & Turning Page-
Sleeping At Last- Violin Cover by Daniel Jang
Wedding Dress: Always & Forever (Fort Smith, AR)
Wedding Jewelry: Olive & Piper
Tuxedos: Generation Tux
Nathan and KylaJENNINGS
Nathan and Kyla went to high school together. They became friends and had many things in common. They went to high school dances together and stayed friends when they went off to separate colleges. Both Nathan and Kyla realized how much they wanted to be together during the fall of 2020. They began dating on October 2, 2020, and have been together ever since.
JUNE 14, 2025
Parents of the Bride: Dr. Dean and Renae Bowman; Bryan Prinsen
Kaylee met Cole in the most ordinary way, not knowing she’d soon be living down the street— and even less knowing he’d one day become her husband. By 7th and 8th grade, they were inseparable, supporting each other from opposite sidelines— Kaylee as a cheerleader, Cole on the football and baseball fields. Their bond only grew stronger through high school and beyond.
They both attended Southern Arkansas University, where life briefly pulled them in different directions. But as fate—and faith—would have it, they reunited in God’s perfect timing, knowing then they never wanted to be apart again.
Through life’s challenges, including Kaylee navigating her parents’ struggles with addiction, Cole was her constant. His strength, loyalty, and love grounded her during the most challenging times.
Then came the proposal. What Kaylee believed was just a couple’s photo shoot at Beach Street Baptist Church turned into a surprise engagement, followed by a heartfelt celebration with loved ones. From a junior high lunch line to a lifetime together, Kaylee and Cole’s story is a testament to the kind of love that grows, endures, and was meant to be all along.
Family of the Bride: Cherie Welborn (Mom) and Cody Welborn (Brother)
Groomsmen: Chase Stanberry, Anthony Hopkins, Jake Day, Ty Gentry, Caiden Erwin, Brayden
Gibson, Taylor Schmidt
Ushers: Colton Welborn, Chad Turner, Chase Smith, Casen Smith
Flower Girls: Adaline Hatridge and Charlotte Disler
Ring Bearer: Jetson Jester, Casey Welborn
Pastor/Officiant: Billy Hatridge
Wedding Coordinator: Ashley Saunders of Garrison Gardens
Cake: Carla Collier
Caterer: PATcakes Catering
Rentals: Dot’s Rentals & Sales
Photographer: Mandy Parks
Wedding Invites: The Knot
Ceremony Music: Wes Saunders
Wedding Dress: Low’s Bridal
Tuxedos: Gracyn Elizabeth Menswear and Squires Tuxedo Rentals
Ben and Tiffany WYMAN
Tiffany and Ben met in 2014 while working at the Riverdale 10 Movie Theater in Little Rock. Tiffany was already working at the theater when Ben came to apply. Ben was instantly struck by Tiffany and could not stop looking at her during the interview process. Over time, both became good friends, bonding over video games, movies, and similar humor. Eventually, both began dating and have been together for over 10 years.
MAY 24, 2025
Parents of the Bride: Rosita Moore, Daniel Podlogar
Parents of the Groom: Buzz Wyman, Debbie Wyman
Man of Honor: Joshua Marshall
Bridesmaids: Chaney Miles Pitts, Heather Sickles, Tehgaan Pitts
Best Man: Chris Wyman
Groomsman: Buzz Wyman, James Wyman, John Pitts
Flower Girl: Tehgaan Pitts
Ring Bearer: Rose
Officiant: Cameron Woods
Flowers: Custom made by the Bride
Bridal Hair: Grace Petefish of Belle and Blush
Bridal Make-up: Grace Petefish of Belle and Blush
DJ: DJ Yonnie of 385 Events
Venue: Garrisons Gardens
Wedding Coordinator: Ashley Saunders
Cake: Marth Ellen
Caterer: Garrison Gardens
Photographer: Breanne Bradshaw
Wedding Invites: Custom made by the Bride
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ccstexarkana.com
Carolyn Faoliu, Linda Rankin, Laura Ross, Aless Pena
PREQUALIFYING FOR A MORTGAGE LOAN
Prequalifying for a mortgage loan is an essential early step in the home-buying process. It gives you a general idea of how much you can borrow from a lender based on your financial situation. Here’s a breakdown of what it involves and how to do it.
What Is Mortgage Prequalification?
Mortgage prequalification is a quick, informal process where a lender estimates how much you can borrow based on financial info you provide (like income, debt, and assets). It’s not a loan offer or guarantee, but it helps:
• Show real estate agents and sellers you’re serious
• Set a realistic home price range
• Identify any potential credit or income issues early Unlike preapproval, prequalification is usually easier and faster — often possible online or over the phone. You’ll typically need to share:
• Income details (salary, bonuses, freelance income, etc.)
• Employment information
• Monthly debt payments (student loans, car loans, credit cards)
• Estimated credit score – (Lender can soft pull credit, so it will not affect your credit score)
• Assets (bank accounts, retirement funds, etc.)
How to Get Prequalified
1. Choose a lender.
2. Complete a prequalification form – online, by phone, or in person.
3. Get results – often within minutes to a few days.
Even if you prequalify for a certain amount, you don’t have to borrow that much. Base your home-buying budget on what you’re comfortable with monthly, not just what the bank says you can afford.
PEACE & QUIET
List Price
$725,000
Discover 126 acres of unrestricted land in Texarkana, Arkansas – a hunter’s paradise and a dream playground for outdoor enthusiasts! This expansive property offers endless possibilities for your recreational pursuits, whether that means hunting in serene landscapes or creating your own outdoor retreat. Don’t miss out on this incredible opportunity to own a piece of land that truly embodies freedom and adventure!
Whether you’re seeking prime hunting grounds, a charming hobby farm, or the ultimate recreational retreat, this amazing parcel truly has it all. Don’t miss out on the opportunity to own a slice of paradise!
“This location is not just a perfect getaway; it’s a premier destination for hunting turkey and whitetail deer, as well as a fantastic opportunity to explore the great outdoors!”
Drug Take Back Initiative Operation Medicine Cabinet
•It is important to know that law enforcement is only interested in the removal of unused and/or outdated medications from the homes of our citizens.
•It matters not whose name is on the prescription, by whom it was prescribed, where it was prescribed, or where you reside.
•We stress that it makes no difference if you live in Texas or Arkansas.
•We take back all medications, no questions asked. You can remove the label if you desire but it’s not necessary.
•We ask that you do not deposit needles (sharps), inhalers, medication from businesses or clinics, ointments, lotions, liquids, aerosol cans, hydrogen peroxide, or thermometers.
One box has been placed behind the Bi State Justice Building at 100 N. State Line Ave., Texarkana, Arkansas and another outside the Texarkana Emergency Center, 4646 Cowhorn Creek Rd., Texarkana, Texas. These boxes are regularly checked and the contents are immediately packaged for destruction. If you would like to personally drop your medications off to law enforcement, you can at the Miller County Sheriff’s Office on East Street and Bi State Justice Building in Texarkana.
National Take Back Day October 25, 2025 8am - 12pm at Texarkana Emergency Center & Hospital
You can learn more about this program by visiting www.artakeback.org or on Facebook by searching Arkansas Take Back or Arkansas Drug take Back.
The Texarkana Arkansas Police Department is proud to partner with Texarkana Emergency Center in an effort to remove unused and out of date prescription medicines from your homes. 4646 Cowhorn Creek | Texarkana, TX
Suzie TK SnippeTS
By: Suzie Tyler
The Golden Years
For all of us in our Golden Years, each day is a blessing and a challenge!
Technology is the biggest challenge. We grew up without Google, the Internet, or cellphones! We have to adapt or get left behind!
I chose to adjust my perspective to be part of what my children, grandchildren, and great-grandchildren were doing. We need to learn to text if we want to communicate with them. LOL
Sometimes they take texting their friends too seriously, even texting those who are in the same room. What happened to old-fashioned conversations?
One new thing we’ve quickly learned is how to use Facebook and FaceTime to see them. It’s a joy when my great-granddaughter, Maddie, wants to FaceTime her ‘Nana.’ She may be seven blocks from me, but we can talk face to face anytime of the day or night. It’s a good thing we now have unlimited talk time.
Facebook has changed through the years with advancing technology! When I first joined in 2004, we were into podcasting during Adam Curry’s beginning podcasting craze! Many of them knew me through Karmyn’s podcast, the KarmynKast, but didn’t know me personally, and I accepted everyone as a friend.
Therefore, I have a lot of friends I may not know personally but have been Facebook friends for years, and we have the same interests, values, and a special friendship. I’ve cried with them over their losses and rejoiced with their good news. That’s what friends are for, and I treasure those.
There’ve been times when I’ve been in a restaurant, the mall, beauty shop, or nail place, and someone will say,
“Suzie Tyler? We are friends on Facebook,” and introduce themselves. I love people!
Social Media is not like that today! Sadly, there are fake Bots, people who hack others’ accounts, and individuals with malicious intentions.
I can no longer use the guidelines I had in the beginning. Instead of accepting anyone’s friend request, I had to adopt new procedures.
Now I first check mutual friends, then I look at their posts. If they haven’t posted in over a year, that is a red flag! Sometimes they have passed away and had their account hacked! Having multiple accounts is another red flag!
Next, I check with one of their friends that I know and trust—a friend who doesn’t accept everyone because of a self-employed business.
Sadly, in today’s techy world, you can’t unquestioningly trust. Verify, verify, verify!
Facebook limits the number of friends you can have, and I’m nearing that number. I only want special people to fill the remaining few spots. I want genuine friends, so I’ve reevaluated my friendship rules.
One rule that has not changed! If you get mad at me and de-friend me, it is permanent. No re-friending me! The few times I have relaxed that rule, I have regretted it!
Times change, and we have to adjust to them! Make new friends and be sure to include Jesus! He is a friend who ‘sticks closer than a brother’ and you can always trust Him!
Have a Blessed and Happy Day! Jesus Loves You!
Enjoy my adventures and be sure to follow me, SuzieTylerWriter, on Facebook, Instagram, Substack, and my blog, SuzieTK’s Snippets.
WHAT THE ‘ONE BIG BEAUTIFUL BILL ACT’ MEANS FOR YOUR FINANCES
TAX PLANNING
The new legislation likely has implications for all federal tax-filers in the United States.
The sweeping tax and spending law signed on July 4, dubbed the One Big Beautiful Bill Act, includes key provisions and potential financial planning opportunities for individuals and families.
The scope of the changes emphasizes the value of having a collaborative professional team, in which your trusted financial, tax and accounting advisors work together to consider your unique circumstances.
This listing is by no means comprehensive to the nearly 900-page law, but you can start here to understand the potential impacts of the tax law changes for you and your family.
Key tax items
If you’re still working as a solopreneur, you can actually deduct Medicare Part B and D premiums – even if you don’t itemize. Supplemental Medicare and Medicare Advantage costs are also deductible. But not everyone can deduct – this only applies if you don’t have access to a health plan for your business or through your spouse’s employer or business.
Tax rates and standard deductions
Notably, the law extended the tax cuts from the Tax Cuts and Jobs Act of 2017, which were set to expire at the end of 2025, affecting the 2026 tax year. The lower tax rates, which range from 10% to 37%, are now permanent in that they have no expiration date. Also, standard deductions were increased for the 2025 tax year: $15,750 for single filers and $31,500 for those married filing jointly.
Gift and estate exemptions
Thresholds introduced in the Tax Cuts and Jobs Act were extended and now have no expiration date. The limits had been scheduled to expire at the end of 2025, and reversion to the previously lower thresholds could have had substantial intergenerational wealth implications for families with sizeable estates.
Under the new law, the gift and estate tax exemptions increase from $13.99 million for single filers and $27.98 million for married couples filing jointly in 2025 to $15 million and $30 million, respectively, in 2026.
SALT cap expansion
The law temporarily raised the state and local tax, or SALT, deduction cap to $40,000, with a 1% increase in the cap each year until 2029, before reverting to $10,000 in 2030. The expanded deduction begins to phase out for those with more than $500,000 in modified adjusted gross income, though all taxpayers can claim at least $10,000.
Senior “bonus” deduction
The law added a new deduction for taxpayers over age 65 for each year from 2025-2028. A source of some confusion, this deduction is not tied specifically to Social Security. Rather, it applies to all tax filers 65 and older: $6,000 for single filers and $12,000 for joint filers. This deduction begins to phase out at $75,000 modified adjusted gross income for single filers and $150,000 for joint filers.
Charitable deduction for non-itemizers
The law reintroduced and increased the deduction for qualified charitable contributions even for taxpayers who don’t itemize. Effective in tax years following 2025, individuals can deduct up to $1,000 and joint filers can deduct $2,000. Once it takes effect in 2026, this provision does not expire.
Child Tax Credit
The law permanently increased the credit from $1,000 to $2,200 in 2025. The credit begins to phase out for single filers with modified adjusted gross income above $200,000 and joint filers above $400,000.
Car loan interest
For tax years 2025-2028, up to $10,000 of interest can be deductible, provided the vehicle was assembled in the United States. This deduction is subject to income limits for loans acquired after 2024.
Electric vehicle credits
Eligibility was narrowed.
Tips deduction
From 2025 to 2028, workers in eligible industries can deduct up to $25,000 in tips from taxable wages. This deduction begins to phase out for single filers with modified adjusted gross income above $150,000 and joint filers above $300,000.
Overtime pay deduction
From 2025 to 2028, single filers in eligible industries can deduct up to $12,500 in overtime pay, though the deduction begins to phase out at modified adjusted gross income above $150,000. Joint filers can deduct up to $25,000, with the phase out beginning at $300,000.
Key financial items
529 savings plans
The law expanded the eligible expenses for which 529 funds can be used. Previously, 529 funds for K-12 students could be used primarily for tuition, with an annual limit of $10,000. Expenses such as tutoring, testing fees, dual enrollment, and educational therapy for children with disabilities are now eligible. And the annual amount was increased to $20,000 starting in 2026.
The law also increased student loan payback from $10,000 to $25,000 per beneficiary, allowed for post-secondary credentialling to pursue a trade or designation, and made permanent rollovers from 529 to ABLE accounts.
New savings accounts for children
The law introduced tax-advantaged accounts for minors. While there are no income or earnings requirements, there are restrictions on withdrawals and investment options.
Children born between Jan. 1, 2025, and Dec. 31, 2028, will receive a $1,000 initial government contribution. Annual contributions of up to $5,000 can be made until the child reaches 18.
Withdrawals cannot be made until the year the minor turns 18, at which point the account follows traditional IRA rules. Distributions will be taxed at ordinary rates for earnings, plus a 10% penalty if applicable.
Student loans
Certain borrower-friendly provisions were rolled back.
Next steps
From saving strategies to timing for purchasing a new car, there is much to consider in the new law’s provisions. As you review these takeaways, consider which items could apply to you and your family. You may find your tax bill is smaller – or your refund larger – creating opportunities for strategic saving, spending or charitable giving.
As always, having a plan will help you be most effective.
Changes in tax laws or regulations may occur at any time and could substantially impact your situation. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors we are not qualified to render advice on tax or legal matters. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
Tasty Donuts
Fish Tales with Mike Brower
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Musings from the Gene Pool
Last month, I expressed my frustration with FFS (Forward Facing Sonar) and how it has stripped the pure enjoyment from fishing. Today, I feel compelled to call out Major League Fishing. I’ve been involved in tournament fishing since 1991, starting with the Redman events, which evolved into the Bass Fishing League (BFL), and later into Major League Fishing (MLF). Unfortunately, my experience has been that MLF no longer serves the needs of passionate weekend anglers who want to enjoy a good day on the water. It’s become something far removed from its original spirit, and that’s a truth that every serious angler should recognize.
Over my years with Redman and the BFL, I witnessed firsthand how the system rewarded anglers. If you qualified from one of the 26 divisions, you earned an entry-free regional; finish in the top five, and you secured a coveted spot in the All American without any additional cost. All you had to do was show up with your tackle—everything else was taken care of. A Ranger boat, fuel, drinks, lunches, hotel accommodations, breakfast, and dinner for each day of the tournament—plus transportation from your home to the event—were all provided. The stakes were incredible, with a top prize of $100,000, and every one of the 50 contestants — both professional and amateur — received a check. I was fortunate enough to participate three times in the All American (2001, 2008, 2010), and those experiences were unforgettable. This is the kind of tournament that truly rewards dedicated anglers and offers life-changing opportunities.
With MLF’s acquisition of Fishing League Worldwide (FLW) Outdoors and the integration of the BFL into their organization, weekend anglers like you are left holding the bag—you now have to pay an entry fee even to compete regionally. The cherished All-American perks for ranking among the top 50 in a field of 26,000 to 30,000 contestants are no longer available. It’s a real loss—the best deal for a weekend angler has vanished. This shift isn’t about supporting anglers or promoting the sport; it’s driven by greed. MLF appears to be more interested in reaping a substantial payday than in supporting the fishing community. Ironically, the very weekend anglers who help make this sport great are being sidelined by pro owners who are more focused on profits than passion. Don’t let MLF’s greed keep you from the fishing experience you deserve.
I suppose we should consider ourselves fortunate that they still pay all the contestants at the All-American, even though the payout has been reduced. I’m glad I no longer fish in those anymore.
September 13th, 20th, and 27th
What a place to be, waking up in the mornings, overlooking the lake on SW Arkansas best kept secret, Beautiful Lake Erling. Privacy, seclusion, and serenity, all while watching the deer, turkey, and other wildlife in your own back yard. You are steps away from some of the South’s best fishing. These beautiful lots with lake frontage are limited and are beginning to sell quickly. This is a gated subdivision with limited access. Lakefront property is extremely hard to find and availability is very limited on this lake. B.A.S.S. ranked Lake Erling the top 100 lakes in the United States.
