Inspire Coastal Bend Magazine Business Nov/Dec 2018 by Inspire Coastal Bend Magazine

COASTAL BEND BUSINESS

MAGAZINE

ABOVE AND BEYOND BEST IN THE BIZ AWARDS 2018

IN YOUR CORNER

GARY MOORE JR.

& Revolutionary Insurance Group

NOV/DEC 2018 I N S P I R E C O A S TA L B E N D M A G . C O M

I N S P I R E C O A S TA L B E N D M A G . C O M

The Reserve at Dancing Elk is Under New Management

Yvette Terrell-Johnson New Venue Coordinator/Sales & Marketing 361-946-4812 | YvetteJ.DancingElk@gmail.com Chef Angela M. Gomez | 361-229-3338 ChefGomez75@yahoo.com

313 County Road 351 | Mathis, TX 78368 | Conveniently Located Off Interstate 37 www.thereserveatdancingelk.com

@ thereserveatdancingelk I N S P I R E C O A S TA L B E N D M A G . C O M

I N S P I R E C O A S TA L B E N D M A G . C O M

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CONTENTS

NOVEMBER/ DECEMBER 2018

COVER AND TABLE OF CONTENTS PHOTO BY: TWINS MEDIA

18 COVER STORY

GARY MOORE JR. & REVOLUTIONARY INSURANCE GROUP

With a focus on community and customer satisfaction, this group is revolutionizing the way we think about insurance.

24 UNITED CORPUS CHRISTI CHAMBER BEST IN THE BIZ AWARDS 2018

The United Corpus Christi Chamber of Commerce celebrates business excellence in the Coastal Bend with the 2018 Best in the Biz Awards.

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BUSINESS COACH 10 Due Diligence FEATURES 12 Safe Bet 14 Holiday Happenings MONEY MATTERS 30 Pay Yourself First

ENERGY & TECHNOLOGY 32 Be Vigilant REAL ESTATE 34 Market Update TASTE 36 Toasty Treat NONPROFIT 38 Making Memories

THE TEAM STELLAR family seeks success both personally and professionally. When it comes to electricity, we will find the most cost-effective solutions custom tailored to our customers’ business needs. This will allow our clients to free up time and money and work on their own definitions of success. -TIM CLARK, PRESIDENT

WANT A CHEAPER ELECTRIC BILL? Why Choose us: Our customers come first. The Stellar Energy Solutions and Hudson Energy support team is made up of people who understand the industry and care deeply about helping you in every way. We are here for you.

 Dynamic Pricing: We have several clear advantages over other suppliers, including market experience and purchasing power, which add up to more value for your business.

 Environmentally Sound: We see the big picture. As an industry leader, it’s our responsibility to explore green energy product options and offer affordable ways for companies to reduce their environmental impact.

 Energy Advisors: Our team of industry specialists will work with you to create an energy solution that meets all of your company's needs from budget to rollout and support.

 Fully Integrated Partnership: Stellar Energy Solutions partners with Hudson Energy because our business values align. There is a mutual trust in our white glove approach to serving your business needs.

361.884.8973 | www.stellarnrgsolutions.com

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MEET THE STAFF NOVEMBER.DECEMBER 2018

ADRIAN GARZA

CO-PUBLISHER EXECUTIVE DIRECTOR OF SALES adrian@ inspirecoastalbendmag.com 361.548.1044

CO-PUBLISHER EXECUTIVE DIRECTOR OF SALES Adrian Garza

CO-PUBLISHER EXECUTIVE DIRECTOR OF OPERATIONS Holly Lewis

EDITOR Erin O’Brien

ART DIRECTOR HOLLY LEWIS

CO-PUBLISHER EXECUTIVE DIRECTOR OF OPERATIONS holly@ inspirecoastalbendmag.com 479.935.0868

Elisa Giordano

SOCIAL MEDIA Morgan Bartel

CONTRIBUTING WRITERS Mandy Ashcraft Dr. Coral Dworaczyk Carey Linda Jordan Connie Laughlin Kathleen Naderer Samantha Koepp-Stemplinger Kelly Trevino Sarona Winfrey

PHOTOGRAPHY ERIN O’BRIEN

Dustin Ashcraft TWINS Media

EDITOR erin.editorial@gmail.com

ELISA GIORDANO ART DIRECTOR thatgirl@elisagiordano.com 210.716.5320

www.inspirecoastalbendmag.com For advertising information, please call 361.548.1044 or email adrian@inspirecoastalbendmag.com. For editorial comments and suggestions, please call 479.935.0868 or email holly@inspirecoastalbendmag.com.

MORGAN BARTEL SOCIAL MEDIA morgan@ inspirecoastalbendmag.com 620.417.5392

PELICAN

MEDIA GROUP

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BUSINESS COACH

DUE DILIGENCE

Do you have an addict on payroll? Here are five ways to gain control of your workforce. By: CONNIE LAUGHLIN

CONNIE LAUGHLIN is a business consultant for UniqueHR. For more information on the HR bundle, contact her at 361-852-6392, 800824-8367 or conniel@ uniquehr.com.

RESOURCES: https://www.samhsa. gov/data/sites/default/ files/report_2790/ ShortReport-2790.html https://www.apa. org/topics/violence/ partner.aspx https://www.shrm. org/resourcesandtools/ tools-andsamples/ toolkits/pages/ personswithaddictions. aspx https://www.dol.gov/ general/aboutdol/ majorlaws

STATISTICS DON’T LIE: Chances are you have employees with addiction issues employed in your business. Stats reported in the United States say 7.5 percent of our population has a substance abuse disorder – and these were only the ones reported. Additionally, two-thirds to three-quarters of our population is dealing with their weight. The stress of an eating compulsion – as well as other addictions such as pornography and gambling – may trigger the abuse of alcohol and or drugs. Since nearly half of all women in the United States have experienced some form of psychological aggression by an intimate partner, they’re more likely to become dependent. Are we a society on the edge with emotional, physical and behavioral disorders? According to the Substance Abuse and Mental Health Services Administration, employees who abuse drugs, when compared to their nonsubstance-abusing co-workers, are 2.5 times more likely to be absent for eight or more days; 3.6 times more likely to be involved in an accident at work; and 5 times more likely to file a workers’ compensation claim. Companies that assist employees with these problems enjoy savings in their health care, decreased absenteeism, a safer environment, fewer workers’ compensation claims and increased production. Substance abusers do not have to use on premise to be detriment to business. Here are some ways you can manage a workforce with possible addiction issues: 1. Develop internal policies and procedures While there is no requirement for drug-free workplace policies (unless you’re a federal contractor and grantee or involved in safety- and security-sensitive industries), it’s wise to invest due diligence in this area. You’ll need professional guidance in putting a program together. Hire an attorney specializing in employment law, or you can outsource your human resources (HR) to a professional employer organization (PEO) that provides the bundled HR solution. Learn how to legally and effectively coach and mentor employees. As an example, learn how to have a conversation with employees who are frequently tardy or employees who other staff members say have frequent speech impairment. Having performance conversations might

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provide an opportunity for employees to share their problems. Then managers can review the options available to them at that time. 2. Promote benefits like an employee assistance program An employee assistance program helps employees with personal problems and/or work-related problems that may impact their job performance, health or mental and/or emotional well-being. They normally offer free and confidential assessments, short-term counseling, referrals and follow-up services for employees and their household members. 3. Know substance abuse warning signs All supervisors need professional training to recognize the signs of substance abuse. Warning signs might be absenteeism and excessive use of sick days, frequent disappearances from the worksite, lack of dependability with their time and meeting deadlines, increased accidents, low productivity, poor judgement, dilated pupils, deteriorated hygiene, slurred speech and numerous other indicators. 4. Know your worksite employment laws Get to know your worksite laws because lawsuits are filed daily for wrongful discharge, defamation, invasion of privacy and discrimination. Here are some employment laws that deal with substance abuse:• The Americans with Disabilities Act (ADA) of 1990 • The Civil Rights Act of 1964 • The Family and Medical Leave Act (FMLA) of 1993 • The National Labor Relations Act (NLRA) of 1935 5. Outsource your HR to pros, or hire a certified HR professional Hire a highly experienced and certified professional in human resources (PHR), or outsource your HR to a PEO. Also, provide professional HR training for all supervisors and staff. Every business should create a proactive, drug-free workplace. Implement comprehensive programs by first establishing written policies on drug and alcohol use. Programs should include training for reasonable suspicion and the procedures for dealing with employees who show signs of impairment. Before you implement drug and alcohol testing, know your state’s laws, and, as always, seek legal counsel. Here’s one extra tip: Realize there might be a medical reason for your employee to show up to work with bloodshot eyes such as allergies, or your employee may have a legitimate reason to be missing work. Be very cautious in how you confront employees. You may need to use the grounds of underperformance or inappropriate behavior for disciplinary or termination reasons. Employees suffering from alcoholism are protected under ADA, so know the law! This doesn’t mean employees can’t be fired, but it does mean they can’t be treated more severely for the same violations of employees who aren’t alcoholics.

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FEATURE

SAFE BET The cost of bad hiring decisions

By: LINDA JORDAN

agency is too expensive and out of their price range. In reality, it will save you money in the long run. Time spent researching, interviewing, etc., is time you are not working. In addition, staffing firms reduce turnover and the costs associated with bad hires. You also have the luxury of being flexible with your hiring needs. Hiring employees as contracts or temps-to-hire is made far easier when you are working through a staffing firm. Recruiting firms are there to make the pains of hiring easier and more successful for you. Finding the perfect candidate can be exhausting and expensive, and making an error and hiring a bad employee can be detrimental to your business. Go with the safe bet: Work with a staffing firm to find exactly what your business needs.

MOST STUDIES SAY THAT REPLACING AN EMPLOYEE WHO DOESN’T WORK OUT CAN COST AT LEAST 150 PERCENT OF THAT WORKER’S SALARY.

L.K. Jordan & Associates has offices in Corpus Christi, Houston, San Antonio and Austin. We offer both temporary and professional placement assistance. Call 361-814-9700 to be directed to a staffing specialist in any of those areas, or visit our website at www.lkjordan.com.

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FIZKES/BIGSTOCK.COM, PREMIUMICON/BIGSTOCK.COM

ost companies understand that making a bad hire can be costly. Most studies say that replacing an employee who doesn’t work out can cost at least 150 percent of that worker’s salary. Surprisingly enough, the financial impact isn’t the worst part. The greatest cost of a bad hire ends up being the lower morale that stays with the remaining employees. This, in turn, translates to reduced productivity, which cycles through to be monetary loss for the company. There are several things that can be done to avoid a bad hire; working with a staffing firm is one of the easiest and most cost-effective solutions. There are plenty of reasons poor staffing decisions occur. Normally, they are due to the fact that managers do not have the necessary time to focus on the hiring process and give it the attention it deserves. In addition, there is a record shortage of skilled talent. This can seem daunting to managers if the position is particularly difficult to fill, so they may be inclined to hire someone who seems like a good fit before other companies do. Working with a staffing firm takes all of your guesswork out of the process and puts it in the hands of experts. When you decide to partner with a recruiting firm, they focus solely on finding you the perfect candidate for the position. They bring them in, interview them, perform background checks and call references – all before you even see them. You are only given highly qualified and capable candidates to assess, and the rest of your time can be spent focusing on your job. Between posting the job, sorting through resumes, interviewing, etc., finding the perfect candidate takes 23 days on average. Working with the staffing agency and taking this off your agenda will save you roughly three weeks of valuable time. Most companies assume that hiring a recruiting

Every business is different. We get that. That’s why we provide unique investment levels, designed to help you right where you are. Don’t just take our word for it.

Research Shows... Consumers are 63% more likely to buy from a business that is a Chamber member. Companies enjoy a 49% increase in consumer favorability rating for being a member of the Chamber.

Membership is valuable & affordable, with investment starting at less than $42 per month

Consumers are 73% more likely to be highly aware of a business if it is a member of the Chamber, and 68% more likely to think positively of its local reputation. 7/10 consumers believe that being actively involved in the Chamber is an effective strategy for enhancing a business’ reputation and for demonstrating that it uses good business practices. Source: Shapiro Group, Atlanta, GA

The United Corpus Christi Chamber is your... PARTNER IN PROMOTION

Increase your visibility, get the word out, gain access to cost-effective and often free advertising for your business.

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United Corpus Christi Chamber of Commerce 602 N. Staples Street, St. 150 Corpus Christi, TX 78401

Looking for leads, networking and business showcase opportunities? You’ve come to the right place.

(361) 881-1800

BUSINESS ADVOCATE

For more information on Chamber membership contact Efrain Franco,

We are your voice on issues that affect business and we maintain direct contact with leaders in all levels of government. When you need change, we make change happen.

efrain@unitedcorpuschristichamber.com

WWW.UNITEDCORPUSCHRISTICHAMBER.COM I N S P I R E C O A S TA L B E N D M A G . C O M

HOLIDAY HAPPENINGS With holiday traditions and more dining and retail options than ever, La Palmera has you covered this season. By: SARONA WINFREY

he holidays are now upon us, and La Palmera will be brimming with cheer. As always, the holiday shopping season officially kicks off with the arrival of Santa Claus, scheduled this year for Wednesday, Nov. 7. Thousands of local residents will once again gather at La Palmera from 6 to 8:30 p.m. to celebrate an evening of family fun, including live entertainment, arts and crafts and more throughout the mall. This includes Santa’s Magical Illuminated Parade, presented by Apollo Towing, which steps off that evening at 6:30 p.m. With a route spanning the front length of the mall, the parade features community groups, schools, marching bands and, of course, Santa, who will then be in Center Court meeting boys and girls and posing for photos through Dec. 24 during mall hours. Guests will also find a number of other La Palmera holiday traditions throughout the season. The popular “Pet Night with Santa” returns for six nights beginning in November. Guests may bring their favorite dog or cat Monday and Tuesday evenings, Nov. 19 to 20 and 26 to 27 and Dec. 3 to 4 from 5 to 8 p.m. A portion of the photo proceeds from these six events will benefit a different local animal organi-

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FOR THOSE WHO JUST CAN’T DECIDE WHAT GIFTS TO BUY, A LA PALMERA GIFT CARD IS THE PERFECT CHOICE.

zation each evening. Only dogs and cats are permitted, and all animals must remain on a leash or in a carrier at all times. Shoppers can take advantage of La Palmera’s charity gift-wrapping service every Friday through Sunday beginning Nov. 30 and the entire week before Christmas. The gift-wrapping station is located on the main level near Concierge, where volunteers from local charities will provide their wrapping services for donations each day from noon to 6 p.m. Scheduled for Sunday, Dec. 2, and Dec. 9 from 9 to 11 a.m. is Santa Cares. The event provides some quiet one-on-one time for special-needs children to have photos taken with Santa before the mall opens. There will be no fountain, no background music and no crowds, providing a sensory-friendly environment and extra time for those who may have developmental or physical challenges. Santa Cares is provided in partnership with AbilityPath.org, Autism Speaks and Cherry Hill Programs, which oversees photo programs at La Palmera. Go to lapalmera.com for more information and to reserve a time. And while the holidays mean beloved traditions at La Palmera, they also mean the start of the biggest shopping season of the year. Guests will find popular stores such as H&M, Michael Kors, francesca’s, Kendra Scott, MAC and Buckle, as well as seasonal favorites including Hickory Farms and Calendar Club. This year, shoppers will also find new options for holiday shopping and dining, with both Hollister Co. and Dave & Buster’s slated to open. Known as the global retail brand celebrating the spirit of endless summer, the new 5,044-square-foot Hollister store will be located on the mall’s Center Court adjacent to White House | Black Market, featuring its popular styles inspired by California’s laidback attitude. Dave & Buster’s is the first new tenant to be part of La Palmera’s expansion and redevelopment project

INGA IVANOVA/BIGSTOCK.COM, KJPARGETER/BIGSTOCK.COM

FEATURE

“

WE CONTINUALLY WORK TO ATTRACT NEW RETAIL AND DINING OPTIONS TO CORPUS CHRISTI.”

near the mall’s main entrance. The approximately 18,000-square-foot restaurant and gaming center will offer guests a combination of the latest state-of-the-art games, ultimate sports-viewing on massive HDTVs with stadium sound, extraordinary food from wings to steaks and remarkable drinks. “We continually work to attract new retail and dining options to Corpus Christi,” said Fred Walters, vice president and general manager of La Palmera. “Hollister is one we had hoped to bring to La Palmera, so it’s wonderful they’ll be open in time for holiday shopping. Dave and Buster’s is another first for the Corpus Christi market, adding a whole new element of dining and entertainment available for our guests – the first of many such options we’ll be announcing as part of our ongoing mall redevelopment.” For those who just can’t decide what gifts to buy, a La Palmera gift card is the perfect choice. Available at Concierge in denominations from $10 to $500, the cards are good at most La Palmera stores and food locations. Guests working up an appetite will find plenty of options, including quick snack and beverage locations throughout the mall, a variety of tasty options in the 600seat La Palmera Cafés food court, as well as full-service dining at P.F. Chang’s China Bistro, Grimaldi’s Pizzeria, LongHorn Steakhouse & Chili’s Grill & Bar.

La Palmera events, including times and dates, are subject to change. For more information on La Palmera, go online to www.lapalmera.com, follow us on Facebook or call 361-991-3755.

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STELLAR ENERGY SOLUTIONS: COMMUNITY ENGAGEMENT TEXAS 4-H FOUNDATION (SCHOLARSHIPS) Empowering our future Texas leaders is important to Stellar Energy Solutions. As such, we continue to invest in organizations like the Texas 4-H Youth Development Foundation, which promotes and supports youth development in leadership and education. On Oct. 12, Team Stellar sponsored and participated in a 4-H Scholarship Country Hoedown in Mission, Texas. Fifteen scholarships were awarded to deserving 4-H youths from the Rio Grande Valley.

KEDT CLASSIC BREW (PUBLIC BROADCAST TELEVISION FUNDRAISING EVENT) As a community-minded local business, Stellar Energy Solutions recently participated in KEDT’s Classic Brew, an event that helps ensure the continuation of many favorite programs viewers expect from public broadcasting like NOVA, Austin City Limits and Curious George, as well as radio programs and original documentaries and programs that focus on education, the arts and entertainment. Because our employees live and work in Corpus Christi and the surrounding communities, supporting KEDT’s mission to educate, enlighten and inspire all communities of South Texas is a win for us all.

BUC-DAYS CLAYS FOR A CAUSE (SCHOLARSHIPS) Participating at annual events like Buc-Days’ Clays for a Cause in October enabled Stellar Energy Solutions to continue showing its community pride in the Coastal Bend while supporting the Buccaneer Commission, a nonprofit organization, and their mission. Clays for a Cause turned out to be an opportunity for us to join with other like-minded organizations in some casual fun that contributed to providing educational scholarships and grants to local youth in our area.

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COVER STORY

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ARE YOU READY FOR A

REVOLUTION?

This local company is changing the way you interact with insurance. By: Kathleen Naderer Photos by: TWINS MEDIA I N S P I R E C O A S TA L B E N D M A G . C O M

EVOLUTIONARY INSURANCE GROUP, COMMONLY SHORTENED TO “REV GROUP,” IS CHANGING THE WAY PEOPLE IN THE COASTAL BEND THINK ABOUT HOME, AUTO AND MOST OTHER LINES OF PERSONAL INSURANCE. WITH REV GROUP, CUSTOMERS CAN EXPECT WORLD-CLASS SERVICE. THEIR MISSION IS TO EXCEL IN THE BUSINESS OF TAKING CARE OF PEOPLE – AND BUSINESS IS GOOD!

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The mastermind behind Rev Group is Gary Moore Jr., owner and CEO. Moore, who was born and raised in Houston, has spent his entire life learning about the insurance industry. His father, Gary Moore Sr., was an Allstate agent for 36 years before acquiring and building his own agency, Family Auto Insurance. Although Moore could have easily joined his father in the family business right away, he wanted to serve his country first. Moore joined the U.S. Navy, where he completed four years of honorable service. His duties had brought him to the Coastal Bend as part of a rotational crew at Ingleside. He was already familiar with the area thanks to family vacations to Corpus Christi beaches, but this time, he found himself wanting to stay and create a family. After his time in the Navy, Moore found himself in a transitional period. After selling cars for a bit, he earned a bachelor’s in business administration from American InterContinental University, and in 2004, he joined his father in the family business. Working together, with his father as CEO and Moore as general manager, Family Auto Insurance grew significantly and began expanding into more markets. Since the father-son duo now served a larger community and offered more than just auto insurance, they changed the company name to Moore Insurance Agency and Moore became vice president. Moore credits his father for teaching him how to successfully run an insurance agency. “Even when we had different ideas about something,” he said, “we were able to really understand each other’s point of view.” Moore continues to live by the idea that good leaders listen. He makes it a point to hear and recognize ideas from the people around him, especially those who deal directly with customers, in order to improve customer service. “If

“

IT’S ALL ABOUT DOING THE RIGHT THING FOR THE CUSTOMER.” I N S P I R E C O A S TA L B E N D M A G . C O M

you’re willing to listen, then you’re going to win.” Moore Sr. was ready to retire in June 2017, so Moore bought his father’s shares and took over as the head of the agency. His executive team consists of Rob Block, CRO, and Savannah Polansky, COO. Like Moore, Block and Polansky have military backgrounds. Block served in the U.S. Air Force, and Polansky in the U.S. Navy. “It’s funny – I went into this business knowing I could make a good income, but ultimately what drives me is creating jobs,” Moore said. “I like being able to create work for people that they can depend on.” Investing in his team members has paid off in the long run. Moore’s ability to retain talented staff and create a fun, friendly work environment has helped his company’s reputation and productivity skyrocket. For instance, Polansky joined the team in 2007 as a receptionist and has risen through the ranks, and Block relocated from San Antonio to take on a greater role in the company. Their dedication and insight are invaluable to Moore. Moore Insurance Agency rebranded as Revolutionary Insurance Group in May 2018. After brainstorming with Block and Polansky, Moore realized that their approach to insurance and the principle of indemnification was revolutionizing the industry. “The way we handle referral partners, turnaround time and accuracy, as well as the way we are incorporating and implementing technology with software programs such as Sales Force, is different than how other agencies are doing things,” he explained. Rev Group focuses on retail insurance, i.e. selling directly to customers so that they can get the best deals on home, auto and commercial insurance. Before choosing a policy, knowledgeable staff review multiple insurance carriers to determine which one is the best fit for each customer’s individual needs, considering both coverage and price. Should a better deal with a different carrier become available, Rev Group helps the customer switch carriers during renewal. “If we save you $800 or $1,000 on a renewal, you’re going to be hap-

MOORE LIVES BY THE IDEA THAT GOOD LEADERS LISTEN.

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py,” Moore said. “And it’s all about doing the right thing for the customer.” One way Rev Group commonly helps their customers save money is through windstorm insurance. Almost all their policies include wind, and they have the ability to select wind policies through several private carriers, which is more practical and less costly for the majority of clients than TWIA. They are also unique in the efficient way they handle new business from referral partners, including real estate agents, mortgage brokers and builders. These real estate professionals are the primary line of connection between Rev Group and homeowners. Many customers who rely on Rev Group for home and commercial insurance also turn to them for their auto needs, especially for classic cars, motorcycles and exotic automobiles. Moore particularly enjoys these policies because, like his interest in insurance, he also inherited his father’s love of vintage vehicles. “My passion is classic cars and motorcycles,” he said excitedly. At the moment, he owns a 1971 Norton Commando and a 1977 Triumph Bonneville, and he hopes for more to come. Customers can count on Rev Group to be in their corner whenever they have to call and file a claim. Even if customers decide to file claims on their own, they should tell Rev Group so the group can act as a liaison as necessary. “We like being there for our customers,” Moore said. “It’s what we’re here to do!” Rev Group is also building a network of vetted service providers. Their goal is to soon be able to transfer clients to one of these providers directly whenever a client has to file a claim. Although this technique is still in its infancy, this process could make it faster and easier to take care of clients’ needs. Rev Group currently protects around 6,500 clients

along the Texas coast from Corpus Christi to Houston, with the majority located right here in the Coastal Bend. Their focus on the community and customer satisfaction has led to a 96 percent retention rate for the company – an extremely high number for an insurance agency. Moore believes Rev Group’s commitment to listening to customer feedback, as well as doing everything in their power to make clients whole again after a disaster, is the reason so many in the Coastal Bend are turning to Rev Group for insurance. The aftermath of Hurricane Harvey is the perfect example of how Rev Group has served their customers and community. Although recovery has been a long process, Rev Group faced no major issues. Their staff was “all hands on deck,” ready to get involved and fight for their clients. “Even people from accounting were answering phones and taking claim information,” Moore recalled. Moore does not often deal directly with clients anymore, which he occasionally misses. He knows his new position is worth the sacrifice, however, as it allows him to have an even greater impact on his company’s growth, as well as his role in the Coastal Bend community. He was recently elected as city councilman for Portland. “I want to make sure that Portland continues on a good path,” he explained. He believes Portland has wonderful amenities, infrastructure and an amazing city staff. His main concern, however, is making sure the city remains a wonderful place for people to raise their families. After all, this is the city where Moore and his wife, Sandra, have chosen to raise her daughters, Sophia and Emily, and his sons, Landon and Preston. Although Rev Group may serve more cities as it grows, it will continue to be a company focused on serving communities up and down the Texas coast. Moore intends to keep the headquarters in Corpus Christi and hopes his company will bring in more jobs to the city.

To learn more about how Revolutionary Insurance Group can help you protect your property, call 361-991-9000 or visit www.revgroupusa.com.

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UNITED CORPUS CHRISTI CHAMBER

CELEBRATING BUSINESS EXCELLENCE United Corpus Christi Chamber of Commerce announces the 2018 “Best in the Biz” Award finalists. SPECIAL TO INSPIRE COASTAL BEND

xcellence means greatness, distinction, merit – the very best. Achieving excellence takes work, dedication, determination and integrity. The many forms of excellence are recognized and distinguished in a variety of ways throughout the phases of our lives. Excellence in education is seen with an A-plus or by the cords and medallions that adorn a graduation gown. A championship ring on the hand of a football player announces excellence in athletics. As the region’s premiere business organization with a mission to advance economic prosperity for Corpus Christi and the Coastal Bend, we find it important to acknowledge and recognize those who exemplify excellence in business. Business excellence drives economic growth and elevates our region, making it a better place for everyone to do business, work and live. On Dec. 6, the United Corpus Christi Chamber of Commerce will present the 2018 “Best in the Biz” Awards for Coastal Bend Business Excellence to businesses, organizations and individuals who have demonstrated exemplary planning, overall performance and community involvement throughout the past year. The evening event will take place at the Solomon P. Ortiz Center. In addition to the awards presentation, Best in the Biz festivities will include cocktails, an interactive stationed dinner, live music by Splendiferous and dancing. “It is important that we take time to honor and thank the businesses and individuals who go above and beyond what is required of them to ensure our community continues to thrive,” says Cleo Rodriguez Jr., president and CEO of the United Corpus Christi Chamber of Commerce.

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“The 2018 ‘Best in the Biz’ Award nominees demonstrate a passion for excellence and the advancement of business leadership. The nominees are the trailblazers, leaders, innovators and advocates of the Coastal Bend who contribute incomparably to the economic well-being and livelihood of our community. The United Corpus Christi Chamber of Commerce commends their efforts, and we want to celebrate their success.” The award selection process began in early September, when chamber members and the community were invited to submit nominations for 10 of the Best in the Biz award categories. Award categories include: • The Henry Baldwin Award • Dora Cervera Mirabal Women’s Leadership Award • Big, Small, Non-Profit and New Businesses of the Year • Military Veteran Entrepreneurship Award • Spirit of the Chamber Foundation Award • Leadership Corpus Christi Servant Leader Award • The Mano a Mano Legacy Award The response to the call for nominations was overwhelming, with more than 100 businesses, organizations and individuals receiving nominations. Over the past few weeks, an awards selection committee comprised of chamber board members, past award recipients and community leaders has worked diligently to evaluate each nomination and determine the top three finalists for each category. The committee’s results reveal a topnotch slate of businesses and individuals who are, without a doubt, making a positive impact in our community and throughout the Coastal Bend. “We are very proud of all the nominees, and I would like to congratulate our amazing finalists,” said Deven Bhakta, chair

of the United Corpus Christi Chamber of Commerce. “The United Chamber is honored to present the Best in the Biz Awards for Coastal Bend Business Excellence and to recognize the businesses and individuals who work hard to make Corpus Christi the best place to live and work.” The United Corpus Christi Chamber of Commerce is pleased and proud to share the finalists in each category for the 2018 “Best in the Biz” Awards: HENRY BALDWIN AWARD The Henry Baldwin Award is given to an individual or organization for outstanding and dedicated service to our community. Named after the Corpus Christi Chamber of Commerce’s first chairman, Henry Baldwin was a builder, developer and businessman who made a significant impact on Corpus Christi through his service to our city. Past award recipients include Nueces County Judge Loyd Neal (2017) and Charles W. Zahn Jr. (2016). Henry Baldwin Award Finalists:   

Corpus Christi Regional Economic Development Corporation Ken Griffin Robert Alder

BIG BUSINESS OF THE YEAR The Big Business of the Year Award is given to a large business that is a significant corporate citizen, a friend of the chamber and a partner to many organizations within the community. Past award recipients include AEP Texas (2017), H-E-B (2017) and Radiology Associates (2016). Big Business of the Year Finalists:  

Citgo IBC Bank SMALL BUSINESS OF THE YEAR

The Small Business of the Year Award is given to a small business that is a significant corporate citizen, a friend of the chamber and a partner to many organizations within the community. Past award recipients include ICA Radio (2017) and Hurricane Alley Waterpark (2016). Small Business of the Year Finalists:   

DORA CERVERA MIRABAL WOMEN'S LEADERSHIP AWARD

Braselton Homes Inspire Coastal Bend Business & MD Magazine TVV MediSpa NEW BUSINESS OF THE YEAR

The Dora Cervera Mirabal Women’s Leadership Award is given to an individual who emulates Dora Cervera Mirabal, a local businesswoman, author, poet, newspaperwoman and civic leader. Mirabal was a trailblazer who went above and beyond to move her community ahead, promote entrepreneurship and advocate for small, minority- and women-owned businesses. Past award recipients include Dr. Kelly Quintanilla (2017) and Linda R. Benavides (2016).

The New Business of the Year Award is given to a new business that has shown promise to be a significant corporate citizen, a friend of the chamber and a partner to many organizations within the community. Past award recipients include Reliant Emergency Room (2017) and C.C. Staples Management (2016).

Dora Cervera Mirabal Women's Leadership Award Finalists:

  

Doreen M. Harrell, APR Mayra V. Zamora Paulette Guajardo

New Business of the Year Finalists: JBBM Marketing Oh My Goodness Boutique LLC RevIVe Infusion & Wellness

I N S P I R E C O A S TA L B E N D M A G . C O M

NON-PROFIT BUSINESS OF THE YEAR The Non-Profit Business of the Year Award is given to a not-for-profit business or organization that is a significant corporate citizen, a friend of the chamber and a partner to many organizations within the community. Past award recipients include United Way of the Coastal Bend (2017) and Texas State Aquarium (2016). Non-Profit Business of the Year Finalists:   

Driscoll Children's Hospital Habitat for Humanity Corpus Christi The Purple Door MILITARY VETERAN ENTREPRENEURSHIP AWARD

The Military Veteran Entrepreneurship Award is given to a former military personnel member who has successfully transitioned from the military to business world through an entrepreneurial endeavor. Past award recipients include Garry Bradford, Unique Employment Services (2017) and Rita’s Ice Custard (2016). Military Veteran Entrepreneurship Award Finalists:   

Gary W. Moore, Revolutionary Insurance Group Hershel Shoats, Silverback Wellness Le Roy Torres, Burn Pits 360 Veterans Organization

LEADERSHIP CORPUS CHRISTI SERVANT LEADER AWARD The Leadership Corpus Christi Servant Leader Award is given to a graduate of Leadership Corpus Christi who embodies what it means to be a servant leader, demonstrating the characteristics of empathy, listening, stewardship and commitment to personal growth toward others. Past award recipients include Adam D. Farrell (2017) and Mary Z. Afuso (2016). Leadership Corpus Christi Servant Leader Award Finalists:   

MANO A MANO LEGACY AWARD The Mano a Mano Scholarship is an educational endowment program designed to promote the growth of our local workforce and aid Coastal Bend students in obtaining their college degree. The Mano a Mano Legacy Award (previously known as the Spirit of Mano a Mano Award) is given to a recipient of the Mano a Mano Scholarship who has demonstrated their commitment to the Coastal Bend workforce and community. Past award recipients include Brent Wooten (2017) and Lauren Martinez (2016). Mano a Mano Legacy Award Finalist: 

SPIRIT OF THE CHAMBER FOUNDATION The mission of the United Corpus Christi Chamber of Commerce Foundation is to develop and empower leaders and entrepreneurs to make a positive impact in Corpus Christi. The inaugural Spirit of the Chamber Foundation Award will be given to an individual or organization for outstanding support of the chamber foundation’s programs and initiatives. The chamber foundation’s programs include Leadership Corpus Christi, Conquer the Coast, Mi Casa Es Su Casa, Lemonade Day Coastal Bend and the Mano a Mano Scholarship Program. Spirit of the Chamber Foundation Award Finalists:   

Barbie Baker Bay Area Title Services, a proud member of the Stewart Title family Linda Reyes Benavides

“

Ben Molina Patty Clark Scott M. Harris

Larry Medrano

In order to determine the 2018 “Best in the Biz” Award Recipients, we are asking chamber members and the Coastal Bend business community to vote for a finalist in each of the Best in the Biz award categories listed. To cast your vote, please visit unitedcorpuschristichamber.com. The deadline to provide your input is Nov. 23, 2018. To purchase tickets to attend the 2018 “Best in the Biz” Awards Presentation & Reception, presented by Flint Hills Resources, to be held Thursday, Dec. 6, at the Solomon P. Ortiz Center, visit unitedcorpuschristichamber.com or call the chamber at 361-881-1800. For event sponsorship information, please contact Gargi Bhowal at gargi@unitedcorpuschristichamber.com. We look forward to a fun-filled evening celebrating the award finalists and Coastal Bend business excellence!

It is important that we take time to honor the businesses and individuals who go above and beyond to ensure our community thrives.”

I N S P I R E C O A S TA L B E N D M A G . C O M

About the United Corpus Christi Chamber of Commerce The United Corpus Christi Chamber of Commerce is the premier organization working to advance economic prosperity for all business while preserving our region’s diverse cultures. The chamber proudly represents the needs of 1,200 member-businesses while working to unite Corpus Christi to be the best place to live and work. United Corpus Christi Chamber of Commerce members and volunteers represent a cross section of all types and sizes of business in our community. For more information on becoming a member of the United Corpus Christi Chamber of Commerce, please contact Efrain Franco Jr. at 361-881-1800 or efrain@unitedcorpuschristichamber. com.

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MONEY MATTERS

PAY YOURSELF FIRST Edward Jones shares the key to consistent investing.

onsistency is a key ingredient of success in many activities – including investing. And one technique that can help you become a more consistent investor is paying yourself first. Many people have the best of intentions when it comes to investing. They know how important is it to put money away for long-term goals, especially the goal of a comfortable retirement. Yet they may only invest sporadically. Why? Because they wait until they’ve taken care of all the bills – mortgage, utilities, car payments and so on – before they feel comfortable enough to write a check for their investments. And by the time they reach that point, they might even decide there’s something more fun to do

with what’s left of their money. How can you avoid falling into this habit of intermittent investing? By paying yourself first. Each month, have your bank move money from your checking or savings account into the investments of your choice. By taking this hassle-free approach, rather than counting on your ability to send a check, you can help ensure you actually do contribute to your investments, month after month. By moving the money automatically, you probably won’t miss it, and, like most people who follow this technique, you will find ways to economize, as needed, to make up for whatever you’re investing. You already may be doing something quite similar if you have a 401(k) or other retirement plan at

WHEN YOU INVEST, IT’S ALL RIGHT TO START SMALL – AS LONG AS YOU KEEP AT IT.

work. You choose a percentage of your earnings to go into your plan, and the money is taken out of your paycheck. (And if you’re fortunate, your employer will match some of your contributions, too.) But even if you do have a 401(k), you’re probably also eligible to contribute to an IRA – which is a great vehicle for your pay-yourself-first strategy. You can put in up to $5,500 per year to a traditional or Roth IRA (or $6,500 if you’re 50 or older), so, if you are able to “max out” for the year, you could simply divide $5,500 or $6,500 by 12 and have either $458 or $541 moved from your savings or checking account each month into your IRA. Of course, you don’t have to put in the full $5,500 or $6,500 each year, although some IRAs do require minimum amounts to at least open the account. You might think such modest amounts won’t add up to a lot, but after a few years, you could be surprised at how much you’ve accumulated. Plus, you may not always be limited to contributing relatively small sums, because as your career advances, your earnings may increase significantly, allowing you to boost your IRA contributions continually. In any case, here’s the key point: When you invest, it’s all right to start small – as long as you keep at it. And the best way to ensure you continue investing regularly is to pay yourself first. If you do it long enough, it will become routine – and it will be one habit you won’t want to break.

This article was written by Edward Jones for use by your local Edward Jones financial advisor.

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shipping to the same address While these are good indicators of a potential scam, it’s unlikely that the presence of a single one indicates a stolen card or identity theft. It’s best to be vigilant and scrutinize sales that look suspect before shipping any items. If an order raises several red flags, do everything possible to determine that the person purchasing the item is the cardholder or their authorized representative.

Small businesses, beware of fraudulent purchases from stolen credit cards. By: KELLY TREVINO

hree years ago, credit card companies made the shift to chip-enabled cards in order to reduce instances of fraud; however, despite the inclusion of this technology, scammers are still finding ways to steal shoppers’ information and using it to make a multitude of online purchases. Not only is this a big problem for the consumer, but it can also cause issues for any businesses that process the stolen card. There are a few ways to protect your small business from costly charge-backs.

 Unusually large orders placed through the Internet without any contact from the customer  Rush orders for large quantities of high-priced items that are shipped to different addresses or overseas  Transactions with multiple cards, all

So, what should a small business owner do if an order seems suspicious?  Implement a policy in your online ordering process that requires customers to enter the three-digit security code number from the back of their credit card to complete the ordering process.  Attempt to verify the billing address provided by calling the merchant bank. If the address provided doesn’t match the address of the cardholder, don’t authorize the shipment.  Implement a fraud detection service that blocks suspicious transactions. Some may charge a fee, and you will want to check who is compatible with your vendors and which product/service works best for you.  Report suspicious transactions to the credit card merchant, as well as local law enforcement.

KELLY TREVINO is the regional director for the Corpus Christi/Victoria area of Better Business Bureau serving the heart of Texas. Trevino is available for media interviews and speaking engagements. You can reach her at 361-945-7352 or ktrevino@corpuschristi.bbb.org.

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BE VIGILANT

One of the best ways to start is to review the agreement you signed with your credit card merchant and ask for clarification on their policy regarding fraudulent purchases. It’s important to know whether that is something they cover or you are wholly responsible. Additionally, determine whether they require a customer to input a PIN or zip code to verify their identity at the point of purchase. Take the time to review your own internal policies and establish a set of steps to identify potential fraud. According to Infintech LLC, a BBB-accredited business, there are several red flags to watch for to help spot a potential scam:

REVIEW YOUR INTERNAL POLICIES, AND ESTABLISH STEPS TO IDENTIFY POTENTIAL FRAUD.

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REAL ESTATE

MARKET UPDATE

A look at the Third Quarter reports for the Corpus Christi real estate market

OUR HOUSING INVENTORY MARKERS ARE SHOWING SIGNS OF A STRONG MARKET FOR 2018 Q3.

he Corpus Christi Association of REALTORS just published the Third Quarter (Q3) reports for Corpus Christi, and overall, our Corpus Christi market is strong! All statistics discussed are comparing 2018 Q3 to the previous year’s same quarter, 2017 Q3. Please keep in mind that this information and report is derived from data collected from our Multiple Listing Service (MLS). Transactions from private sellers and builders that do not participate in the MLS are not included. As those of you who have been active in the Corpus Christi market may have noticed, prices are up slightly! The median home price is currently $194,450, which is an increase of 5.1 percent compared to 2017 Q3. Regarding pricing distribution, the vast majority (42.3 percent) of home sales are still in the $100,000-199,999 bracket. The next largest bracket (30.9 percent of sales) is represented by homes in the $200,000-299,999 sales price range. Interestingly, only 10.1 percent of the home sales in 2018 Q3 were less than $100,000, which is driven by a lack of housing supply at this more affordable price point, not lack of demand. Our housing inventory markers are also showing signs of a strong market for 2018 Q3. The number of active listings (meaning homes actively listed for sale and not under contract) is down 6.6 percent, with a total of 1,534 homes on the market. Additionally, the number of closed transactions is up an amazing 21.1 percent with 1,085 home sales closing in 2018

Q3. This resulted in 4.7 months of inventory in Corpus Christi, which is a month less than 2017 Q3 (2017 Q3 reported 5.7 months of inventory). For those of you interested in selling a property, the numbers still look good. The average days on market (from active to contract) was 66 days, followed by an average of 39 days from contract to closing, for a total of 105 days on market in 2018 Q3. This is close to what we saw in 2017 Q3, being only four days less than last year. Many people have been inquiring about the market in Portland. This community has been experiencing what I have been referring to as an “identity crisis” with the industrial growth and change currently underway. Without a doubt, this has caused real estate market instability, regardless to what “side of the fence” residents support with these changes. Fortunately, 2018 Q3 reports the median price to show little change at only a 5.8 decrease from 2017 Q3 reports. However, the number of active listings on the market was up a staggering 30.5 percent, but closed sales only followed with a 15.6 percent increase. More active listings and less sales result in an increase of inventory or supply, which was reported to be 5.7 months (compared to 4.3 months of inventory in 2017 Q3). For those homes that did sell, the average days on market from listing to contract was 60 days, followed by an average of 42 days from contract to closing (total of 102 days from listing to closing). Pricing trends in Portland mirrors those seen in Corpus with 45.8 percent of home sales being $100,000199,999 and 38.9 percent being $200,000-299,999. It will be interesting to see how this oversupply of active listings may start to drive pricing down in the future in Portland. These data were provided by the Corpus Christi Association of REALTORS through their partnership with the Texas REALTOR Data Relevant Project. Analysis is provided though a research agreement with the Real Estate Center at Texas A&M University in College Station, Texas.

Coral Dworaczyk Carey, Ph.D., is an active REALTOR in the Coastal Bend market. For more information about our market, please feel free to contact her at coral@southcoasttexas.com or 361-452-3648.

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TASTE

TOASTY TREAT Caramel apples are the perfect easy make-at-home treat, and the whole family can enjoy the sticky-sweet process. Wrap them for teachers’ gifts, plate them for holiday parties or just dip a few to enjoy for a cozy movie night in. Add branches, ribbons or sprinkles to make them uniquely yours. You can’t go wrong with toasty S’mores apples this season! Makes six large apples. By: MANDY ASHCRAFT Photo by: DUSTIN ASHCRAFT

S’MORES CARAMEL APPLES

INGREDIENTS:

6 apples

1 sleeve graham crackers, crushed

1 bag Kraft caramel squares

Wax paper

1 cup chocolate chips or melting chocolates

Non-stick spray

2 cups mini marshmallows

6 caramel apple sticks or popsicle sticks (must be sturdy enough to dip apples with)

2 tablespoons margarine or butter

Optional: pastry torch for toasting marshmallows INSTRUCTIONS: 1/ Pull stems from apples and insert sticks. Make sure they’re sturdy enough to use them to dip into melted caramel. In the photograph, caramel apple sticks were used to dip them, and branches were placed after drying. 2/ On a large plate or platter, place a sheet of wax paper and spray it very well with non-stick spray. Do not skip this step; your caramel will stick to the paper otherwise. 3/ Pour unwrapped caramels into a microwave-safe bowl and add 1 tablespoon of water. Microwave for about 2 minutes, stirring every 30 seconds to ensure even heating. Stir until very smooth. While still very hot, dip each apple and set carefully onto prepared wax paper. 4/ Warm margarine in a small saucepan over low heat. Once melted, add marshmallows, stirring until smooth and marshmallows have completely dissolved. 5/ Use a spoon to add Nutella to the top of each uncooked muffin. Use a toothpick or a chopstick to swirl Nutella into batter.

6/ Dip caramel apples into marshmallow, or use a spoon to scoop it onto apples. It will be very hot and sticky. 7/ Add crushed graham crackers to a bowl or plate and set aside. 8/ Add chocolate to a microwaveable bowl and spray them for five seconds with non-stick spray. Microwave for approximately 1 minute to melt, depending on your microwave. Stir after 30 seconds. 9/ Dip apples into melted chocolate or drizzle apples with it. Immediately dip chocolate areas into graham cracker crumbs before it dries. 10/ Place plate back into refrigerator on sprayed wax paper to allow all ingredients to set. Go lightly over the marshmallow areas with a pastry torch for an even more toasty effect. Enjoy!

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How group activities for foster children can help strengthen hearts and nurture minds By: SAMANTHA KOEPP-STEMPLINGER

I N S P I R E C O A S TA L B E N D M A G . C O M

in normal activities that every child should be able to enjoy. In the midst of the chaos surrounding their family life and living situations, they need the opportunity to experience the joys of childhood while creating positive memories. They can already feel isolated as it is, given their separation from everyone and everything they know, so participation in fun activities helps give

PHOTOS COURTESY OF CASA

hroughout our lives, we collect experiences that cause us happiness, sadness and everything in between. Some of the best times in our lives that we hold closest to our hearts are not necessarily because of what we were doing, but who we were with. When those memories come to mind, can you imagine those you were with not being part of that moment and how it would impact your experience? For hundreds of children across the Coastal Bend, the caring adults who took the time to create positive memories that will last a lifetime for us are nonexistent for them. While they may have adults in their lives, those adults are not actively involved or even present. For those who do have adult relationships, the experiences theyâ&#x20AC;&#x2122;ve had with those adults are those they wish had never happened. These children have been abused and neglected by those who were supposed to at the very least keep them safe. Instead, these children have been left with broken hearts and empty childhoods. For foster youth who have been removed from unsafe circumstances and are in happy, healthy homes, most still yearn for that adult who cause them depths of pain, but hold on to the brief glimmers of love and acceptance that shined through even if for moment. While their environment has changed, their trauma continues in the form of separation and facing the unknown. Foster parents are encouraged to allow youth placed with them to engage

FUN ACTIVITIES ARE OPPORTUNITIES FOR FOSTER CHILDREN TO FEEL SUPPORTED BY ADULTS WHO ARE POSITIVE ROLE MODELS. them a break from focusing on their world being turned upside down. When children have a Court Appointed Special Advocate (CASA), at least once a month, they spend quality time with an adult who is genuinely invested in ensuring that their best interests are kept at the forefront of influencing the progress of their time in foster care. It can be a day of bowling or stopping for an ice cream cone; regardless of the activity, it builds memories that will make children smile in the moment and want to relive later. Starting this year, CASA of the Coastal Bend has partnered with local organizations to coordinate group activities for CASA volunteers and the foster youth they serve. In March, the

Art Museum of South Texas hosted a tour of the CCISD Visionarios Art Gallery, followed by a workshop sponsored by Grande Communications and Foster Angels of South Texas. The Oso Bay Wetlands Preserve & Learning Center staff donated their time in April to guide a group of youth and their CASAs on a nature walk, and then led a fish printing activity followed by lunch, donated by Schlotzsky’s Deli. The Corpus Christi Football Club donated 50 tickets to CASA for their 2018 soccer season, and hosted a soccer camp in June, led by coaches and players with dinner donated by Chipotle. The Corpus Christi Hooks opened up their batting cages in July for a private batting session with two of their players. And in August, local artist Leah Kaestner held an art workshop to teach her pouring technique and even featured some of the artwork by foster youth in her pop-up gallery throughout the month. Instead of lingering in foster care, children to flourish in foster care by participating in activities like these. These activities encourage a dialogue between the child and CASA volunteer even before each event starts. All of the coordination and preparation is taken care of so the volunteer can just focus on the child having the best experience possible. If volunteers are not interacting with the children through an activity like mixing paint for an art project, they are cheering on the children while they are up to bat with professional baseball players. More than just fun activities, these are opportunities for these children to feel supported by adults who are positive role models. These events have been great opportunities for CASA of the Coastal Bend to cultivate relationships within the community by building from the resources they have readily available. Most people have a desire to support CASA’s mission, but becoming an advocate or writing a check is not always an option for everyone. In some capacity, though, everyone has a gift to share. It’s finding out what it is and how that can be incorporated into meaningful experiences for foster youth to help strengthen their hearts and nurture their minds.

If your organization or business is interested in providing an activity for a group of foster youth and their CASAs, please contact SAMANTHA KOEPPSTEMPLINGER at 361-884-2272 or samantha@coastalbendcasa.org.

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