ask the experts
Get to Know Them Before You Need Them
When you’ve got a question, you want to hear from someone with experience. That’s what Ask the Experts is all about. We’ve gathered trusted local pros to share real-world advice, answer the questions they hear most, and offer tips you'll actually use.
ask the experts
Get to Know Them Before You Need Them
When you’ve got a question, you want to hear from someone with experience. That’s what Ask the Experts is all about. We’ve gathered trusted local pros to share real-world advice, answer the questions they hear most, and offer tips you'll actually use.
ASK THE EXPERTS DIRECTORY
AESTHETICS & WELLNESS
ASPIRE AESTHETICS
Dr. Kendall Wagner
BUILDING SUPPLIES
LUMBER ONE
Logan Parnell
CRISIS SERVICES & SUPPORT
THE GUIDANCE CENTER
FINANCIAL PLANNING IN RETIREMENT
UNITED FINANCIAL ADVISORS
Brad Lewis
FINE JEWELRY
JOHN MAYS JEWELRY
Kevin Mays, CGA
HAND SURGERY
WESTERN ARKANSAS PLASTIC AND RECONSTRUCTIVE
SURGERY CENTER
Dr. James E. Kelly, III
HEARING & BALANCE
CENTER FOR HEARING AND BALANCE
HOMEBUILDER
TIM MAYS HOMEBUILDER
Tim Mays
INSURANCE
BHC INSURANCE
Marty Clark – President
MEDICARE
MEDICARE SPECIALIST OF ARKANSAS
Gentry Jayroe
OPTOMETRY
STILES EYE GROUP
Dr. Camille Friday
ORTHODONTICS
UDOUJ ORTHODONTICS
Dr. Henry Udouj, III
ORTHOPEDICS SPORTS MEDICINE
BAPTIST HEALTH
Dr. Jonathan Tobey
OUTDOOR GEAR & ADVENTURE
THE WOODSMAN COMPANY
Lydia Dobbins
PAINT & COLOR
THE PAINT STORE
Sue Moore
PHYSICAL THERAPY
FYZICAL THERAPY & BALANCE
CENTER
Dr. Alexandra Scallions
PLUMBING
WESTARK PLUMBING
PROPERTY MANAGEMENT
CMC ASSET MANAGEMENT
Cliff Cabaness, President
REAL ESTATE
CHUCK FAWCETT REALTY
Chuck Fawcett
RESIDENTIAL & COMMERCIAL ROOFING
ELITE ROOFING
Hunter Hogan
SENIOR LIVING
METHODIST VILLAGE SENIOR LIVING
TAX STRATEGY
HACK YOUR TAX
Melanie Radcliff, CPA/PFS
VASCULAR HEALTH & VEIN CARE
ARKANSAS VEIN CLINIC AND SKIN CARE
Dr. Norma Smith
WEALTH MANAGEMENT
OLD FORT WEALTH MANAGEMENT
Melanie Radcliff, CPA/PFS
WINDOW & FLOOR COVERINGS
D&D FLOOR COVERING
Serena Sutton
WOMEN’S COUNSELING
Healing Tree Therapy
Melanie Taylor, LPC-S
CRISIS SERVICES & SUPPORT
THE GUIDANCE CENTER
WHAT MAKES THE GUIDANCE CENTER A UNIQUE RESOURCE FOR BEHAVIORAL HEALTH CRISIS?
While navigating behavioral health crises, healthcare can feel overwhelming and fragmented. The Western Arkansas Counseling & Guidance Center, known as The Guidance Center (TGC), stands out as a true one-stop shop for wholeperson care. Serving six counties across western Arkansas since 1972, as a nonprofit community behavioral health provider we are deeply rooted in the belief that mental, emotional, physical, and social well-being are all connected. TGC delivers comprehensive, coordinated support under one roof and offers help for various healthcare crises.
I THINK I MAY BE IN A MENTAL HEALTH CRISIS; HOW DOES YOUR 24/7 URGENT CARE WORK?
Our urgent care for behavioral health is exactly what it sounds like, a place you can walk into any time, day or night, if you’re experiencing a mental health crisis. You don’t need an appointment or referral. Our crisis therapists are trained to assess your situation, stabilize immediate concerns, and connect you with ongoing care. This service helps people avoid unnecessary emergency room visits and ensures they get help from professionals who understand mental health emergencies. It’s not just about addressing the crisis in the moment; it’s about creating a bridge to longer-term support.
WHY IS IT SO IMPORTANT TO HAVE BEHAVIORAL HEALTH CARE AVAILABLE 24/7?
Behavioral health crises such as mental health and/or addiction issues don’t keep business hours. People often struggle most late at night or during weekends when other services are closed. By being available 24/7, we remove that barrier to help. The sooner someone can speak to a professional, the sooner they can feel safe and start taking steps toward recovery.
MY LOVED ONE IS STRUGGLING WITH ADDICTION. WHAT IS HORIZON RENEWAL CENTER AND WHAT MAKES THE TREATMENT UNIQUE?
It’s a residential treatment center where we empower those impacted by addiction to achieve and sustain remission from substance use disorder. What truly sets our treatment center apart is our commitment to healing beyond the therapy room, through outdoor therapeutic outings and the transformative experience of equine therapy.
I’VE HEARD YOU OFFER FAMILYCENTERED TREATMENT. WHAT IS THAT AND WHO IS IT FOR?
Family-Centered Treatment (FCT) is an evidence-based, intensive trauma treatment model of home-based family therapy. It is ideal for families with youth transitioning from institutional settings, teens with mental health or substance use issues, families working toward reunification, and those with
involvement in multiple systems such as Child Welfare or Juvenile Justice.
HOW IS FAMILY-CENTERED TREATMENT DIFFERENT FROM TRADITIONAL FAMILY THERAPY?
With therapy taking place in the family’s home, it’s easier to address real-life challenges as they happen. FCT was designed for families with teenagers in crisis and treats the youth’s behaviors by increasing family health and well-being and promoting attachment and resiliency.
DR. JAMES E. KELLY, III
HAND SURGERY
WESTERN ARKANSAS PLASTIC & RECONSTRUCTIVE SURGERY
MY HAND PAIN AFFECTS MY DAILY LIFE. IS SURGERY THE NEXT STEP?
The first step is always a thorough evaluation by a qualified hand surgeon. Hand pain can be caused by a variety of conditions such as arthritis, nerve compression, tendon injuries, or even small fractures. Once we identify the underlying cause, we determine whether surgery is the best option or if there are treatments to try, such as splinting, physical therapy, or steroid injections. Surgery is usually recommended when non-surgical options are no longer providing relief, or when waiting could lead to worsening function.
WILL I LOSE MOBILITY OR STRENGTH AFTER SURGERY?
That really depends on the type of surgery and the condition we’re addressing. Some procedures are designed to restore strength and range of motion that have been lost over time, while others may limit certain movements but ultimately improve overall function. My goal is always to maximize long-term function and reduce pain, even if that means some short-term trade-offs during recovery.
DO YOU OFFER MINIMALLY INVASIVE OPTIONS FOR HAND CONDITIONS?
Absolutely. One example is an endoscopic carpal tunnel release, which uses a small incision and specialized instruments to relieve pressure on the nerve. Minimally invasive techniques often mean less discomfort after surgery, smaller scars, and a quicker return to work and daily activities.
IS IT TRUE THAT SURGERY CAN RELIEVE SYMPTOMS ALMOST IMMEDIATELY IN SOME CASES?
Yes, in certain cases, such as carpal tunnel release, patients may notice improvement almost right away. However, it’s important to understand that even with quick symptom relief, there is still a recovery process. The tissues need time to heal.
WHAT MAKES HAND SURGERY DIFFERENT FROM OTHER TYPES OF ORTHOPEDIC OR GENERAL SURGERY?
Hands are incredibly complex, they’re made up of 27 bones, multiple joints, intricate tendon systems, small blood vessels, and delicate nerves. A fellowship-trained hand surgeon has advanced training to work on all these structures, often under a microscope. That means we can perform everything from repairing a crushed finger to reattaching a severed tendon or restoring blood flow to an injured hand.
I INJURED MY HAND AND THOUGHT IT WOULD HEAL ON ITS OWN. HAVE I WAITED TOO LONG TO GET HELP?
It’s never too late to be evaluated. Some injuries, if left untreated, can lead to permanent stiffness or loss of function, but other problems can still be improved months or even years later. The sooner we assess the situation, the more treatment options you’re likely to have.
ARE HAND SURGERIES TYPICALLY OUTPATIENT PROCEDURES?
The majority of hand surgeries are performed on an outpatient basis,
meaning you go home the same day. Many are done under regional anesthesia, allowing for a quicker and more comfortable recovery. But, if the procedure is extensive or if pain control needs close monitoring, an overnight stay may be recommended.
MY DOCTOR REFERRED ME TO A HAND SPECIALIST I’VE NEVER HEARD OF. DO I HAVE A CHOICE IN WHO PERFORMS MY SURGERY?
Yes, the final decision is always yours. You have the right to choose your surgeon based on experience, training, location, and your comfort level with them. That said, insurance networks, deductibles, and travel logistics can sometimes limit options.
INSURANCE BHC INSURANCE ask the expert:
MARTY CLARK
HOW DO I KNOW IF I’M TRULY ‘COVERED ENOUGH’?
It comes down to education and knowing your choices. At BHC, we give you multiple options so you can choose what fits best. Think about what would cause serious financial stress if something went wrong. Most households should have homeowners or renters, auto, health, and some form of life insurance. If you rely on your paycheck, disability insurance is worth considering. It’s not about having every policy under the sun, it’s about protecting what matters most to you.
ARE THERE DISCOUNTS AVAILABLE MOST PEOPLE DON’T KNOW TO ASK ABOUT?
Absolutely. Many don’t realize a claimfree record, security systems, smart home devices, good grades, low mileage drivers, or certain professions can lower rates. Paid in full discounts can save up to 12%, and some carriers offer mortgage-free discounts. Ask for a full discount check, you might be surprised.
DO I NEED AN UMBRELLA POLICY OR IS THAT ONLY FOR HIGH-NET-WORTH HOUSEHOLDS?
An umbrella policy is one of the most important coverages available. If you own a home, have assets, or have a teen driver, you could benefit from the extra liability protection. It kicks in when your regular policies max out, like if someone sues you after a car accident or injury on your property. Most people don’t understand how their auto liability limits work. If you did, you might be concerned about how little they actually
protect you. I think it’s the best and most affordable way to increase your coverage five or even ten times over. You’ll be surprised at how inexpensive umbrella policies are, and many people never learn that from their insurer.
HOW OFTEN SHOULD I REVIEW
OR UPDATE MY POLICIES, AND WHAT KINDS OF LIFE CHANGES SHOULD TRIGGER A
REVIEW?
We check in at least annually. But if something big happens—marriage, a new baby, home purchase, or college—it’s time for a review. Even smaller changes, like a new job or adding a teen driver, can affect coverage needs. Insurance reviews should be a consultation, not just checking boxes.
homeowners policies. Also check for coverage on sewer backup or sump pump failure. And make sure your policy pays using replacement cost, not actual cash value. That difference can be huge if you ever need to rebuild or replace items.
IS BUNDLING HOME AND AUTO REALLY WORTH IT, OR IS THAT JUST A SALES PITCH?
Bundling often brings a discount and simplifies things—one bill, one point of contact. But it’s not always the best deal. Sometimes separate policies from different carriers offer better coverage or pricing. That’s why it’s important to compare both options, and important that BHC works with many different carriers.
WITH STORM SEASON IN ARKANSAS, ARE THERE SPECIFIC COVERAGES I SHOULD DOUBLE CHECK IN MY HOMEOWNER’S POLICY?
Definitely. Start with wind and hail coverage, some policies have separate deductibles. Flood insurance is another big one, and it’s not included in standard
INSURANCE POLICIES ARE FULL OF FINE PRINT. CAN YOU HELP ME UNDERSTAND WHAT I’M BUYING?
That’s one of the things we pride ourselves on at BHC. We break things down in plain English, walk you through what’s covered (and what’s not), and use real-life examples to make it make sense. We’re here to answer questions, flag red flags, and make sure you feel confident about your coverage.
KEVIN MAYS, CGA
FINE JEWELRY
JOHN MAYS JEWELERS
I’M SHOPPING FOR AN ENGAGEMENT RING. HOW DO I KNOW I’M GETTING THE BEST QUALITY FOR MY BUDGET?
An engagement ring is one of the most meaningful purchases you’ll ever make, so work with a jeweler who has the education and credentials to guide you. Always look for natural gemstones with lab reports, they document exactly what you’re buying and add value that lasts. Choose a noble metal like platinum or gold for durability and long-term worth.
I HAVE A FAMILY RING I’D LOVE TO WEAR, BUT IT’S OUTDATED. CAN YOU REDESIGN IT WHILE KEEPING THE ORIGINAL STONE OR METAL?
Absolutely! Clients bring in single pieces or a mix, and we create something unique that keeps its sentimental value. After sketching or selecting the design, we choose the stones that work best. We don’t reuse old gold for casting, as it can contain impurities from years of repairs. Instead, we use fresh, pure casting grain for strength and a clean finish.
I WANT SOMETHING TRULY ONE-OF-AKIND. HOW DOES YOUR CUSTOM DESIGN PROCESS WORK?
We start with your ideas, whether from online, magazines, or other inspiration, and adjust them to make something uniquely yours. We can use your stones or source new ones, whether a colored gem or an ideal-cut diamond. Once we finalize the design, I create a sketch, then a CAD rendering, followed by a wax model for your approval before casting the finished piece.
WHAT SHOULD I LOOK FOR WHEN BUYING A GEMSTONE OTHER THAN A DIAMOND?
Whether diamond or colored gemstone, buy stones with lab certificates from a jeweler who can explain their differences. A Certified Gemologist can help you choose a stone that’s not only beautiful but practical for your setting. For example, Morganite is gorgeous but softer than many realize, making it less durable for everyday wear. We love helping clients explore color and select stones that suit their lifestyle.
HOW DO I PROPERLY CARE FOR FINE JEWELRY?
Jewelry should be the last thing you put on and the first thing you take off. Avoid wearing it in the shower, to bed, or in pools as chlorine can weaken metals. Have your jewelry checked and cleaned every six months to a year so we can catch loose stones or wear before it becomes a bigger problem.
DO YOU OFFER REPAIRS, CLEANINGS, AND APPRAISALS?
or three-stone rings with colored gemstones or diamonds. Many clients start small and upgrade over time, some have gone from quarter-carat studs to two carats in each ear.
WHY CHOOSE YOUR LOCALLY OWNED, FAMILY-OPERATED STORE OVER A CHAIN?
Yes! We provide all jewelry services in-store. Appraisals should be done by a Gemologist or Certified Gemologist Appraiser. We offer complimentary cleanings daily and check for loose stones or needed repairs at the same time.
WHAT ARE SOME TIMELESS GIFT IDEAS?
Classics include solitaire diamond studs, tennis bracelets, graduated diamond necklaces, anniversary bands,
John Mays Jewelers has served the community for 26 years, and my father has been in the industry since 1969. We’ve built relationships with four and five generations of families. We handpick every piece with our clients in mind, and when you purchase from us, you can take it anywhere knowing it’s a quality piece. We love celebrating life’s milestones with our customers and take pride in creating jewelry you’ll treasure forever.
PLUMBING WESTARK PLUMBING
MY DRAINS KEEP BACKING UP NO MATTER WHAT I DO. IS THAT SOMETHING HYDROJETTING CAN ACTUALLY FIX?
Every situation is different, so we’d need to inspect your system first, but hydrojetting has been very successful for many of our customers. A hydro jetter uses high-pressure water to clear clogs and debris from your sewer line. It’s especially effective at removing grease buildup, roots, and stubborn blockages in both residential and commercial settings.
IF I HAVE A PLUMBING EMERGENCY, HOW QUICKLY CAN YOU RESPOND?
We have a 24/7 answering service! When you call, the information is immediately sent to our dispatch team, who will call you back quickly to arrange service. Depending on the situation, that may mean sending a technician out right away or scheduling the soonest available time. Either way, you can count on us to be here for you any time, day or night.
MY WATER BILL SUDDENLY SPIKED, BUT I DON’T SEE ANY LEAKS. WHAT COULD BE CAUSING IT?
A sudden increase could be something simple, like a constantly running toilet or a dripping faucet, but a slow drip can waste up to five gallons of water a day! In other cases, it might be a hidden leak under your house, in the yard, or inside walls or slabs. Your local water department can check your meter to confirm a leak or defect. We can also come out, do the detective work, find the problem, and get it fixed so your bill returns to normal.
I’VE HAD
PLUMBERS
LEAVE
A MESS BEFORE. DO YOUR TECHS REALLY CLEAN UP?
Absolutely! While a plumbing job can look messy while we’re working, our plumbers take great pride in cleaning the work area before they leave. We want your home or business to look as good, or better, than when we arrived.
I OWN AN OLDER HOME AND WORRY SOMETHING MAJOR COULD GO WRONG.
HOW CAN I PREVENT THAT?
The best thing you can do is schedule a plumbing inspection. Our plumbers can look over your entire system, identify areas that might become a concern in the future, and recommend solutions before they turn into expensive emergencies.
your records. If we find something concerning, we’ll walk you through your options and provide an estimate for repairs.
PLUMBING REPAIRS CAN BE EXPENSIVE. HOW DO I KNOW WHAT TO EXPECT?
We believe in honest, upfront pricing. In most cases, we offer free local estimates so you know what the work will cost before we start. We don’t charge service call fees, and we bill by the hour plus parts. Our goal is to explain the process clearly so there are no surprises, financial or otherwise.
WHAT’S A VIDEO INSPECTION?
A video inspection allows us to run a specialized camera through your drain lines to check for roots, cracks, breaks, or other issues that aren’t visible from the outside. Once we’re done, we’ll send you a copy of the footage for
DO YOU ONLY COVER THE FORT SMITH AREA?
Not at all. We proudly serve not only Fort Smith but most of the River Valley, including many communities in Eastern Oklahoma.
CLIFF CABANESS
PROPERTY MANAGEMENT
CMC ASSET MANAGEMENT
I OWN A RENTAL PROPERTY BUT MANAGING IT MYSELF IS EXHAUSTING. WHAT EXACTLY DOES A PROPERTY MANAGEMENT COMPANY HANDLE FOR ME?
At CMC Asset Management, we take care of every aspect of managing your rental property, so you don’t have to. From thoroughly vetting prospective tenants and handling lease agreements to coordinating maintenance, overseeing lawn care, and ensuring timely rent collection each month, we’ve got it covered. Our full accounting team manages all payments and reporting with accuracy and transparency. With CMC, you can sit back, relax, and enjoy the benefits of your investment while we handle the day-to-day operations.
WHAT HAPPENS IF A TENANT STOPS PAYING RENT OR CAUSES DAMAGE? DO YOU HANDLE THAT TOO?
Yes, we do. We strictly follow Fair Housing Guidelines and all applicable local laws when posting notices, processing evictions, and handling tenant delinquencies. If a tenant vacates with an outstanding balance, we send the account to collections. Tenants are held financially responsible for any damage beyond normal wear and tear, including cleaning fees, flooring replacement, and other necessary repairs.
HOW DO YOU STAY ON TOP OF MAINTENANCE ISSUES, AND DO I HAVE A SAY IN WHO DOES THE WORK?
We have a dedicated in-house maintenance team that promptly handles any issues that arise, ensuring your property
is well-maintained at all times. In addition, we work with a network of trusted, preferred vendors to ensure quality and efficiency in all repairs and services. However, we are always open to working with vendors the property owner prefers or recommends, giving you full flexibility and control over how your property is managed.
HOW DO I KNOW IF I’M CHARGING THE RIGHT RENT FOR MY PROPERTY?
As your management company, our primary objective is to maximize the income potential of your assets. We strategically target top-of-market rental rates to ensure you're receiving the highest possible returns. Our team consistently monitors market trends and rental data, allowing us to stay aligned with current market conditions and make informed adjustments. At each lease renewal, we proactively evaluate and implement rent increases where appropriate, ensuring your property maintains its competitive edge and profitability.
DO YOU ALSO HELP WITH FINANCIAL REPORTING FOR TAX TIME?
Our accounting team provides detailed monthly, quarterly, and annual financial statements to ensure full transparency and accuracy. We work closely with property owners and Accountants and/or CPAs to ensure seamless reporting, compliance, and strategic financial planning.
CAN YOU HELP ME
CALCULATE IF HIRING A MANAGEMENT COMPANY IS WORTH THE COST?
At CMC Asset Management Company, we can often increase rental income by setting competitive market rates, reduce vacancy time through effective marketing and leasing strategies, handle emergencies and tenant issues professionally, and provide detailed financial reports and year-end summaries. Bottom line: if the time savings, risk reduction, and income optimization we provide exceed the fees charged, then hiring a management company is absolutely worth the cost.
SENIOR LIVING
METHODIST VILLAGE SENIOR LIVING
WHAT IS METHODIST VILLAGE SENIOR LIVING, AND WHAT DOES IT MEAN TO BE A LIFE PLAN COMMUNITY?
Methodist Village Senior Living (MVSL) is a Life Plan Community offering a full continuum of senior care on our 30-acre campus. This model provides multiple levels of care in one location, so residents can remain in the same community as their needs change, transitioning seamlessly from Independent Living to Assisted Living, Memory Care, or LongTerm Skilled Nursing without leaving the familiar environment they call home.
WHAT’S THE DIFFERENCE BETWEEN THE LEVELS OF CARE OFFERED AT MVSL?
Independent Living is ideal for active seniors who want a vibrant lifestyle without homeownership burdens. Assisted Living adds support with daily activities while promoting independence. Memory Care provides a secure, specialized environment for those with Alzheimer’s or dementia. Our Care Center offers 24/7 skilled medical care for complex needs. MVSL Rehab Services include physical, occupational, and speech therapy, and our respite program offers short-term stays for recovery, caregiver breaks, or “trial runs” of community life.
MY PARENTS ARE STILL FAIRLY INDEPENDENT. HOW DO I KNOW WHEN IT’S TIME TO START LOOKING INTO SENIOR LIVING?
It’s never too early to start the conversation. Many families explore options while loved ones are still active. Watch for
signs such as difficulty with home upkeep, reduced social engagement, or minor health concerns that could become more serious over time.
HOW DO I START THE CONVERSATION WITH A PARENT WHO’S RESISTANT TO THE IDEA?
Approach with empathy, focusing on their needs and goals, whether that’s social connection, safety, or relief from home maintenance. Ask open-ended questions like, “What would make life easier for you?” Visiting a community casually can also help change perceptions.
HOW DO YOUR SERVICES SUPPORT INDEPENDENCE WHILE ENSURING SAFETY?
Care plans are individualized, providing only the support needed. Emergency call systems, wellness checks, and trained staff ensure safety without compromising independence.
WHAT KINDS OF ACTIVITIES DO RESIDENTS ENJOY?
From fitness classes and arts to live music, game nights, and outings, we offer a full calendar to encourage engagement, friendships, and fun.
CAN I TOUR THE CAMPUS AND MEET THE STAFF BEFORE MAKING A DECISION?
Absolutely! We encourage visits so you can meet staff and residents, explore the campus, and get a feel for daily life here.
HOW DO YOU HELP NEW RESIDENTS ADJUST?
We pair newcomers with friendly neighbors and staff for introductions, offer welcome baskets and check-ins, and host events to help them feel connected from day one!
TAX STRATEGY
HACK YOUR TAX
I ALWAYS WAIT UNTIL APRIL TO THINK ABOUT TAXES. IS THERE VALUE IN YEAR-ROUND TAX PLANNING?
Absolutely, there is serious value in tax planning, especially right now. Every financial move you make affects your tax return. Proactive planning can prevent costly mistakes and position you for future benefits. What would you do if I could convince you that over the next three years, you will experience the lowest income tax rates of your lifetime? What moves could you make now to position yourself for the future?
WHAT ARE SOME COMMON DEDUCTIONS OR STRATEGIES MOST PEOPLE OVERLOOK?
Even with the high federal standard deduction, you may still benefit from itemizing on your state return. One way to really leverage the new tax rules provided by the Big Beautiful Bill Act is to try and keep taxable income under certain thresholds ($75K single, $150K married, age 65+) to unlock added benefits. Retirees can reduce Medicare premiums by staying below IRMAA limits. Required IRA withdrawals can be directed as Qualified Charitable Distributions, keeping them out of taxable income.
HOW CAN SMALL BUSINESS OWNERS LEGALLY REDUCE THEIR TAX BURDEN?
Small business owners have a variety of tactics they can utilize to potentially be more tax efficient. Consider reinvesting in equipment or funding retirement accounts, both of which can qualify for credits. One possible method is to evaluate how your business is being taxed.
For example, a partnership or single member LLC can really be expensive when it comes to self-employment tax. Get a free tax analysis to see if this would be a good option for your business.
CAN YOU HELP WITH IRS ISSUES OR BACK TAXES?
I have helped resolve tax issues for several decades now, the only thing I prefer not to tackle is an Offer In Compromise plan, due to the amount of time involved, and the extremely long processing time the IRS applies to these types of resolutions.
I’VE HEARD ABOUT HIRING MY KIDS THROUGH MY BUSINESS. IS THAT REALLY LEGIT?
Yes, it is legit, if you play by the rules. Your children must actually perform some services in your business, and they must be paid a fair wage for the services they are providing. Documenting the employment agreement and tracking time on a timecard can also help legitimize the deduction. This can be a fantastic way to shift some income from your higher bracket to a much lower, or even zero tax rate depending on the amount they receive.
ARE
THERE BETTER WAYS TO TRACK DEDUCTIONS THAN SAVING PAPER RECEIPTS ALL YEAR?
Yes, digitize! Take photos of receipts and store them in Google Drive, Dropbox, or a receipt-tracking app. This not only keeps them organized but also protects against fading over time.
HOW CAN I ADJUST MY TAX STRATEGY IF I’M NEWLY SELF-EMPLOYED?
Set aside 25% of your profit for taxes, 30% if you have additional household income. This avoids scrambling at tax time. Understand your profit margins, deductions, and, most importantly, keep detailed records.
WHAT’S ONE SIMPLE MOVE I COULD MAKE BEFORE YEAR-END THAT MIGHT SAVE ME THOUSANDS ON MY TAXES?
The smartest tax move you can make is to learn how the system works and know your tax bracket! If you’re just over a threshold, contributing more to a retirement plan or HSA can drop you into a lower bracket. For those 65+, the next three years are ideal for Roth conversions, reducing future required withdrawals and potentially lowering long-term tax bills.
MELANIE RADCLIFF, CPA/PFS
WEALTH MANAGEMENT
OLD FORT WEALTH MANAGEMENT
I’M NEW TO INVESTING. HOW DO I GET STARTED WITHOUT FEELING OVERWHELMED?
Don’t begin serious investing until you’ve built a strong emergency fund. It’s counterproductive to sell “tomorrow money” for today’s expenses. Start by determining your current position: What resources do you already have dedicated to future income? Where are they? What are they doing for you? Just as navigation begins by pinpointing your current location, reaching your financial goals starts with knowing your starting point.
WHAT’S THE DIFFERENCE BETWEEN A WEALTH MANAGER AND A FINANCIAL PLANNER?
A wealth manager typically focuses on managing the investments themselves. A holistic financial planner considers the bigger picture—tax strategies, estate planning, and risk management through insurance—while also helping families plan for multi-generational needs. Both roles have value, but financial planning often develops a deeper relationship with the family, while wealth management may focus more closely on the portfolio.
HOW DO YOU HELP CLIENTS BALANCE RISK AND GROWTH WHEN THE MARKET FEELS UNPREDICTABLE?
We use a goals-based investing approach, which balances risk by dividing your portfolio into different “buckets” based on when you’ll need the money. For example, a retiree might keep the first three to five years of income needs in a conservative bucket.
This provides stability during market swings while more aggressive buckets focus on needs 10–20 years out. We call that most aggressive allocation “Running with Scissors,” and one big mistake is letting your entire portfolio do that. Spreading risk across both sectors of the economy and time horizons can reduce downside exposure without sacrificing long-term growth. Every situation is unique, but this approach can often produce similar returns over time with less volatility.
I’M SELF-EMPLOYED AND DON’T HAVE A 401(K). WHAT ARE MY OPTIONS FOR RETIREMENT SAVINGS?
WHAT’S ONE COMMON MONEY MISTAKE YOU WISH MORE PEOPLE AVOIDED?
Focusing too much on the short term. Long-term thinking is essential for success, whether it’s managing investments or making tax planning decisions.
IS THERE A MINIMUM AMOUNT OF MONEY NEEDED TO WORK WITH YOUR FIRM?
Options vary based on factors like your business structure, age, and profitability. A traditional IRA or Roth IRA may work for some, but not everyone qualifies. SEP IRAs, SIMPLE IRAs, and solo 401(k)s can also be excellent choices. We’ve set up every type of plan over the years and offer a free planning session to evaluate which option best fits your needs, either in person or virtually.
CAN YOU HELP WITH THINGS BEYOND INVESTMENTS, LIKE RETIREMENT PLANNING OR ESTATE STRATEGIES?
Absolutely. For over 25 years, we’ve helped clients create tax-efficient retirement plans, design estate planning strategies (in partnership with attorneys), and implement proactive tax planning. These elements are all part of a truly comprehensive financial plan.
No. We work with clients at many different stages of life and wealth.
Melanie Radcliff CPA/PFS is registered with and securities are offered through Kovack Securities, Inc. Member FINRA/SIPC, 6451 North Federal Hwy, Suite 1201, Ft. Lauderdale, FL 33308, (954) 782-4771. Investment Advisory services are offered through Kovack Advisors, Inc. Old Fort Wealth Management and Hack Your Tax are not affiliated with Kovack Securities, Inc. or Kovack Advisors, Inc.
ask the expert: MELANIE TAYLOR, LPC-S
WOMEN’S COUNSELING
HEALING TREE THERAPY
I’VE BEEN FEELING OVERWHELMED AND EMOTIONALLY DRAINED, BUT I’M NOT SURE IF IT’S SERIOUS ENOUGH TO GO TO THERAPY. IS THERE A RIGHT TIME TO REACH OUT?
If you’re asking this question, it might already be the right time. You don’t have to wait until you’re falling apart to get support. Therapy isn’t just for crisis. It’s for clarity, connection, and care. Feeling overwhelmed is enough. You’re allowed to ask for help before it all comes undone.
WHAT TYPES OF ISSUES DO YOU MOST OFTEN HELP WOMEN ADDRESS WITHIN YOUR PRACTICE?
We walk alongside women navigating all kinds of experiences, childhood wounds, anxiety, burnout, grief, people-pleasing, relationship pain, self-worth struggles, religious trauma, parenting overwhelm, and more. If your heart is tired or your story feels tangled, you’re not alone here.
I’VE NEVER GONE TO COUNSELING. WHAT SHOULD I EXPECT, AND IS IT REALLY CONFIDENTIAL?
First of all, welcome. Therapy can feel scary at first, but most women say they wish they had started sooner. In your first session, we’ll simply begin getting to know you; what’s been heavy, what’s been missing, and what you’re hoping for. And yes, everything you share is confidential. It’s held with care and respect.
HOW CAN THERAPY HELP WITH THINGS LIKE ANXIETY, BURNOUT, OR LIFE TRANSITIONS?
Therapy gives you a space to slow down, untangle your thoughts, and breathe again. We help you understand what’s
happening underneath the stress; what patterns are playing out, what parts of you are carrying too much, and what support you truly need. You don’t have to navigate big changes or exhaustion alone.
CAN
THERAPY
REALLY HELP
WITH
WORK-LIFE BALANCE AND MOM GUILT?
Absolutely. So many women come in feeling pulled in every direction and still wondering if they’re doing enough. Therapy can help you name your needs, set gentler expectations, and redefine what “being a good mom” or “being successful” really means on your terms, not everyone else’s.
WHAT IF I’M AFRAID I’LL CRY THE WHOLE FIRST SESSION?
WHAT’S ONE THING YOU WISH MORE WOMEN UNDERSTOOD ABOUT PRIORITIZING THEIR MENTAL AND EMOTIONAL HEALTH?
Then we’ll keep tissues close and take our time. There’s no right or wrong way to begin therapy. Tears are often a sign you’ve been carrying something for a long time. Sometimes they’re the mind’s way of describing what it doesn’t have words for yet. You’re safe to let go here. We honor every tear, every silence, every breath it takes to show up.
DO YOU OFFER VIRTUAL SESSIONS, AND HOW EFFECTIVE IS ONLINE COUNSELING COMPARED TO IN-PERSON?
Yes, we offer virtual sessions for your comfort and convenience. Online therapy can be just as effective as in-person. Many women love being able to have sessions from home, with no commute, no stress. What matters most is the connection, not the location.
I wish more women truly knew they were created to be loved. If we lived from that truth, we would stop pouring from an empty cup. We would put our own oxygen mask on first, knowing that caring for ourselves is not selfish, it’s how we stay alive, whole, and able to love well. When we believe we are worth protecting, everything changes. Boundaries get stronger. Peace becomes possible. And life starts to feel like it’s truly ours.
AESTHETICS & WELLNESS
ASPIRE AESTHETICS
I’VE TAKEN GOOD CARE OF MY SKIN BUT WONDER IF PROFESSIONAL TREATMENTS MAKE A REAL DIFFERENCE.
An at-home regimen is key, but professional treatments take results further. Facials and Medical Hydrafacials remove dulling dead cells, hydrate deeply, soften fine lines, and enhance firmness, helping skin stay bright, smooth, and resilient.
I’M IN MY 50S WITH DULLNESS AND SAGGING IN MY FACE, CAN YOU HELP?
After a consult, we may recommend our “Getting Skin Ready” regimen, focusing on cleansing, hydration, and protection to rejuvenate skin at the cellular level, or
BUILDING SUPPLIES LUMBER ONE ask the expert:
our Medical Hydrafacial for radiance. Our Morpheus8 microneedling boosts firmness and laser treatments offer deeper collagen stimulation. For volume loss, collagenstimulating procedures and hyaluronic acid fillers can restore youthful contours.
I’VE BEEN STRUGGLING WITH LOW LIBIDO AND HORMONAL CHANGES. ARE THERE OPTIONS FOR WOMEN AND MEN?
You’re not alone. Many women face changes due to hormone shifts, stress, lifestyle, or health conditions. After a full evaluation, your plan may include lifestyle changes, stress management, supplements, or hormone therapy.
LOGAN PARNELL
I’M STARTING A HOME PROJECT. WHAT SHOULD I KNOW BEFORE HEADING TO A LUMBER YARD?
Before heading to a lumber yard, be prepared to share the type of project you’re starting, along with a detailed list of the materials you’ll need, including quantities and dimensions. You don’t need to be a contractor! Our knowledgeable sales team welcomes homeowners, DIYers, and first-time builders. Bring your ideas, sketches, or inspiration photos, and we’ll walk you through your options, answer your questions, provide pricing, and arrange delivery to make the process easier.
WHAT KINDS OF PRODUCTS CAN I SEE IN PERSON IN THE SHOWROOM AT LUMBER ONE?
Our showroom features more than 50 doors on display, along with windows, fireplaces, kitchen and bath cabinets, and a wide range of trim options. Seeing products in person allows you to compare styles, finishes, and quality before making a decision.
WHAT’S TRENDING IN HOME EXTERIORS AND OUTDOOR LIVING RIGHT NOW?
Siding accents and composite decks are popular for their durability, low maintenance, and sustainable appeal. Outdoor fireplaces are also in demand, offering
Men with confidence concerns benefit from lifestyle adjustments, addressing underlying health issues, hormone optimization, or ApexRF by InMode, a noninvasive treatment to enhance performance and confidence.
479.242.7100 I 3400 S. 74TH ST., FORT SMITH ASPIREAESTHETICS.COM
a stylish way to create cozy, year-round gathering spaces that extend your living area beyond the walls of your home.
FINANCIAL PLANNING IN RETIREMENT
UNITED FINANCIAL ADVISORS
WHAT’S THE BENEFIT OF WORKING WITH AN INDEPENDENT FINANCIAL ADVISOR?
Independent advisors can choose from a wide range of investment options to find the best fit for your plan. Many remain with their firms for 10+ years, compared to shorter tenures at large institutions, offering a more consistent, personalized relationship without corporate quotas or product pressures.
THERE’S SO MUCH UNCERTAINTY IN THE MARKET. HOW DO I KNOW IF MY INVESTMENTS ARE STILL ON TRACK?
Stay focused on your long-term goals and avoid knee-jerk reactions to headlines.
A well-diversified portfolio tailored to your plan should weather market ups and downs. Review your asset allocation regularly with a trusted advisor to ensure it still aligns with your objectives and accounts for factors like inflation and rising living costs.
I’M IN MY 50S AND FEEL BEHIND ON RETIREMENT SAVINGS. WHAT STEPS CAN I TAKE NOW TO CATCH UP?
Maximize your employer’s 401(k) match and take advantage of “catch-up” provisions (higher contribution limits for those 50 and older in 401(k) plans and IRAs). If you have a Health Savings Account (HSA),
HEARING & BALANCE CENTER FOR HEARING AND BALANCE ask the expert
CAN MY HEARING ISSUES REALLY AFFECT MY BALANCE?
Yes. The inner ear helps you hear and keeps you upright. Dizziness, unsteadiness, or feeling off-balance can signal a vestibular problem, especially if paired with hearing changes. A comprehensive balance evaluation can help find the cause and guide treatment.
WHAT’S THE DIFFERENCE BETWEEN OVER-THE-COUNTER DEVICES AND THOSE FITTED BY A SPECIALIST?
Over-the-counter hearing aids may help very mild hearing loss but don’t replace a custom evaluation and professional fitting. Professionally fit devices are programmed for your unique hearing loss, adjusted for comfort and clarity, and supported with expert care. It’s like the difference between readers and prescription glasses, both have their place, but they’re not the same.
contribute the maximum. It’s the only retirement vehicle that goes in tax deductible, grows tax deferred, and is withdrawn tax free. Healthcare is a major expense in retirement, so building this account can make a real impact.
1823 DODSON AVE., FORT SMITH 479.242.7466 I UFADVISORS.NET
MY HEARING ISN’T WHAT IT USED TO BE, BUT I’M NOT READY FOR HEARING AIDS. ARE THERE OTHER OPTIONS?
Yes! Hearing changes can have many causes, and not all require hearing aids. Sometimes it’s earwax buildup or fluid behind the eardrum. A hearing evaluation is the first step to understanding what’s going on and whether you need monitoring, simple treatment, or a discussion about future needs. Ringing in the ears (tinnitus) can also be linked to hearing changes and is worth mentioning at your exam.
ask the expert:
HOMEBUILDER
TIM MAYS HOMEBUILDER
I’M CONSIDERING BUILDING A HOME INSTEAD OF BUYING. WHAT SHOULD I HAVE READY BEFORE REACHING OUT TO A BUILDER?
Have a clear budget in mind and, if financing, know how much you can borrow by meeting with your lender early. Know the size and general layout you want, along with any must-have finishes or products. You don’t have to have every detail decided, your builder can help, but this information makes cost estimates more accurate and keeps the project moving. Be prepared to be involved in selecting products and finishes, as timely decisions are key to staying on schedule.
WHAT ARE SOME POPULAR DESIGN FEATURES YOU’RE SEEING RIGHT NOW?
Open floor plans remain in demand, often with a fourth bedroom, dedicated office, and a three-car garage. Many clients choose luxury vinyl or wood flooring over carpet. Neutral “blank canvas” color schemes, especially whites, are still popular. Depending on size and season, most custom homes can be completed in four to six months.
WITH RISING INTEREST RATES AND MATERIAL COSTS, IS NOW A GOOD TIME TO BUILD?
Yes! While rates are higher than the record lows of a few years ago, they
GENTRY JAYROE
MEDICARE
MEDICARE
SPECIALIST OF ARKANSAS ask the expert:
HOW DO I KNOW WHICH MEDICARE PLAN IS RIGHT FOR ME?
Medicare Advantage (Part C) replaces Original Medicare, bundles medical, drug, and extras like dental, vision, and hearing, and often costs less but limits you to a network and may include copays. Medicare Supplement (Medigap) works with Original Medicare, has higher premiums, requires a separate drug plan, but lets you see any Medicareapproved doctor nationwide. Advantage is best for lower costs and added perks; Supplements for maximum provider choice and predictable expenses.
I’LL SOON TURN 65. HOW AND WHEN DO I SIGN UP FOR MEDICARE?
Your 7-month Initial Enrollment Period starts 3 months before your birthday month and ends 3 months after. Sign up at 65 if you don’t have employer coverage; you can delay Part B without penalty if you do. Enroll online at ssa.gov/medicare, by phone, or in person at Social Security.
HOW CAN WORKING WITH A MEDICARE SPECIALIST MAKE THE PROCESS EASIER?
We offer face-to-face guidance tailored to your health, budget, and preferred doctors. As a local resource, we know the
remain reasonable, and you can refinance later if they drop. Construction costs, however, rise each year. Waiting for rates that may never return could mean paying more overall. Starting now allows you to lock in today’s prices and enjoy your home sooner.
providers and plans available here. We compare options, handle enrollment, and stay by your side year after year to save time, stress, and costly mistakes.
STILES EYE GROUP ask the
DR. CAMILLE FRIDAY
OPTOMETRY
I’VE STRUGGLED WITH DRY EYES AND DISCOMFORT WITH CONTACTS. ARE THERE BETTER OPTIONS TODAY?
Yes. Many people experience dryness with monthly or biweekly lenses. Daily disposable contacts are the safest, most comfortable option, and putting in a fresh lens each day reduces the risk of infection and offers superior comfort throughout the day.
AT WHAT AGE SHOULD I SCHEDULE MY CHILD’S FIRST EYE EXAM, AND WHAT SIGNS SHOULD I WATCH FOR?
We recommend an exam around age 1, even before they can read or speak.
Children often don’t realize their vision is poor because they have nothing to compare it to. Signs include squinting, frequent blinking, rubbing eyes, sitting close to screens or books, and headaches. Early exams help protect vision for life.
I’VE BEEN DIAGNOSED WITH DIABETES. WHAT ISSUES CAN DIABETES CAUSE WITH MY VISION AND HOW OFTEN SHOULD I HAVE MY EYES CHECKED?
Diabetics should have a comprehensive eye exam yearly, or more often if problems arise. Uncontrolled diabetes can cause prescription changes, cataracts, and diabetic retinopathy, which can lead
ask the expert: DR. HENRY UDOUJ, III
ORTHODONTICS
UDOUJ ORTHODONTICS
WHAT’S CHANGED IN ORTHODONTICS SINCE I HAD BRACES YEARS AGO?
Orthodontics has advanced tremendously in recent decades. Today’s braces use smaller, more flexible wires that apply lighter, continuous forces, making treatment more comfortable and efficient. Clear aligners, like Invisalign, feature removable trays that eliminate wires and brackets, making eating, brushing, and playing sports or instruments easier, with fewer emergencies.
HOW DO I CHOOSE BETWEEN INVISALIGN AND BRACES?
For children and teens, the choice often comes down to responsibility. Aligners
must be worn 22 hours a day to work effectively. If your child can keep track of them, Invisalign can be an excellent choice. If compliance is a concern, braces may be better as they work around the clock with less attention. For adults, both deliver excellent results, with treatment personalized to help you achieve your best smile at any age!
MY CHILD HAS SOME CROWDING BUT IS YOUNG, WHEN SHOULD THEY BE EVALUATED?
The American Association of Orthodontists recommends an initial evaluation by age 7. This early visit lets orthodontists monitor growth, address
to permanent blindness. It also raises the risk for glaucoma. At Stiles Eye Group, we take time to answer questions and ensure every patient feels comfortable during their visit. Routine exams are essential to protecting your vision!
crowding or spacing, and determine if early treatment could prevent more complex issues later. Even if no treatment is needed, periodic check-ins keep your child’s dental and facial development on track.
ORTHOPEDICS – SPORTS MEDICINE
BAPTIST HEALTH
MY TEEN PLAYS YEAR-ROUND SPORTS AND OFTEN COMPLAINS OF KNEE AND SHOULDER PAIN. HOW DO I KNOW IF IT’S MORE THAN SORENESS?
General soreness feels like a dull ache that improves with rest or gentle movement. Sharp pain, swelling, locking, or a joint that gives way could mean a ligament or cartilage injury. If pain lasts more than a few days or keeps returning, get it checked. Overuse injuries are common in year-round athletes, so taking breaks or rotating sports can protect growing joints.
ARE THERE NEW, LESS INVASIVE TREATMENTS FOR JOINT PAIN OR SPORTS INJURIES?
Yes. Physical therapy, massage, stretching, dry needling, and therapeutic ultrasound can all relieve pain and restore function. Small rotator cuff or meniscus tears often heal without surgery when treated early with a targeted therapy plan.
WHAT ARE THE MOST COMMON INJURIES YOU SEE IN ACTIVE ADULTS, AND HOW CAN THEY BE PREVENTED?
Meniscus tears and rotator cuff injuries are frequent. They often happen when activity ramps up too quickly or pain is ignored.
OUTDOOR GEAR & ADVENTURE THE WOODSMAN COMPANY ask the expert: LYDIA DOBBINS
I LOVE THE OUTDOORS BUT GET OVERWHELMED BY ALL THE GEAR!
Visit your local outdoor store for expert advice tailored to your activities and our region’s climate. At The Woodsman Company, we ask questions about where and how you’ll use gear, then guide you to the right equipment, clothing, and footwear for comfort, safety, and performance. We can also show you how to use it properly, something online shopping can’t match. Plus, shopping local keeps your dollars in the community while giving you hands-on education for safer, more enjoyable adventures.
DO YOU CARRY GEAR FOR FAMILIES OR ONLY FOR HARDCORE ADVENTURERS?
We offer gear for everyone, from toddlers to expert users. Our selection includes footwear, socks, performance clothing with UPF and wicking protection, outerwear, and equipment like bikes, fly rods, kayaks, and camping gear, covering a wide range of needs, budgets, and skill levels.
WHAT DO YOU RECOMMEND FOR SOMEONE JUST STARTING TO HIKE OR CAMP?
For the River Valley, our top three essentials are proper hiking shoes, moisturewicking socks, and a rain jacket. These
Warm up, focus on proper form, and increase intensity gradually. Staying active keeps joints healthy (“motion is lotion”), and even small weight loss can reduce stress on knees, hips, and ankles.
1506 DODSON AVE., FORT SMITH 479.709.7000 I BAPTIST-HEALTH.COM
items are versatile for most destinations worldwide. We also share recommendations (in-store and on our website) for hiking, camping, fishing, floating, and biking spots, to help you explore Arkansas. 5609
PAINT & COLOR
THE PAINT STORE
I WANT TO PAINT MY KITCHEN CABINETS. CAN I DO IT MYSELF?
Possibly, but preparation is key. Bring in a door or drawer so we can recommend the right products. Factory-finished cabinets may require special steps, and thorough cleaning, sanding, and priming are essential for a long-lasting, beautiful finish.
HOW DO I CHOOSE BETWEEN MATTE, EGGSHELL, SATIN, AND SEMI-GLOSS FINISHES?
Glossier finishes highlight imperfections, so if your walls have patching or texture issues, choose a lower sheen to disguise them. Matte creates a soft look, while
shinier finishes are bolder and reflect more light. With modern paint technology, matte can now be washable, perfect for a soft look with durability, even in high-traffic areas.
WHY DOES MY PAINT COLOR LOOK DIFFERENT AT HOME THAN IN THE STORE?
Lighting plays a huge role in how colors appear. Even if you bring items from home to compare in the store, differences in lighting can dramatically change a shade. A color viewed under bright LED lighting may look completely different under the soft white bulbs in your home, and natural light can shift its appearance throughout the
day. Swapping out older bulbs to match your preferred lighting and checking the color in your space at different times can help you choose with confidence.
DR. ALEXANDRA SCALLIONS
PHYSICAL THERAPY
FYZICAL
CENTERS ask the expert:
THERAPY &
BALANCE
I’M FEELING UNSTEADY ON MY FEET AND WANT TO PREVENT FALLS. HOW CAN BALANCE THERAPY HELP?
Our balance therapy program restores stability, coordination, and confidence by targeting the root causes of imbalance, whether that’s muscle weakness, neurological issues, or problems with the inner ear or vision. Through gait training, vestibular rehabilitation, and dynamic balance exercises, we retrain your body to respond effectively to everyday challenges. This can reduce fall risk, improve posture and mobility, strengthen key muscle groups, and help you feel more secure navigating stairs, uneven ground,
or busy environments. You don’t need a doctor’s referral to get started as Arkansas is a direct access state, but some insurance plans may require one.
I WAS HURT IN A CAR ACCIDENT. HOW CAN PHYSICAL THERAPY HELP ME RECOVER?
Whether you’re coping with whiplash, dizziness, joint pain, or muscle weakness, our personalized rehab plans focus on reducing pain, restoring mobility, and preventing long-term complications. After a thorough assessment, we’ll guide you through a structured recovery plan tailored to your needs so you can return to daily life with more comfort and confidence.
I’M ACTIVE BUT HAVE JOINT PAIN. HOW CAN I STAY FIT SAFELY?
Our orthopedic rehab and wellness programs reduce pain, restore function, and protect your joints through therapy, exercise, and posture correction, helping you stay active for years to come!
REAL ESTATE CHUCK FAWCETT
IS NOW A GOOD TIME TO BUY OR SELL A HOME IN THE RIVER VALLEY, OR SHOULD I WAIT?
The market is leaning in buyers’ favor. Higher interest rates mean homes are staying on the market longer, inventory is increasing, and sellers are more willing to negotiate. That could mean price drops, repairs, or seller concessions, making this a good time for buyers to act.
WHAT ARE SOME OF THE BIGGEST MISTAKES BUYERS MAKE TODAY?
House hunting without pre-approval is a common misstep. Pre-approval shows sellers you’re serious and ensures you
know your budget before falling for a home you can’t buy. Skipping a professional inspection is another risky move, as inspections can uncover hidden problems like foundation issues, outdated wiring, or water damage that could cost tens of thousands later and cause major regrets.
WHEN SELLING, WHAT UPGRADES TRULY
HELP THE MOST?
Decluttering and depersonalizing are simple, low-cost steps with a big impact. Buyers can better picture themselves in the space, and sellers get a head start on packing. Follow the six-month rule: if you haven’t used it in six months, pack it or let
it go. Clearing excess items can make rooms feel larger, more inviting, and help your home sell faster. Fresh paint in a neutral color and small updates, like new light fixtures or hardware, can also make a big difference without breaking the bank.
ELITE ROOFING ask the expert:
HUNTER HOGAN
RESIDENTIAL & COMMERCIAL ROOFING
HOW DO I KNOW IF MY ROOF NEEDS TO BE REPAIRED OR REPLACED?
If your roof is leaking or your area has had significant wind or hail, schedule an inspection with a reputable local company. They can determine if damage is present and guide you on whether repairs or a full replacement are needed. Once you have an assessment, your roofer can explain the process, discuss options, and help you make an informed decision.
I’VE HEARD ABOUT ROOFING SCAMS AFTER BAD WEATHER. HOW CAN I MAKE SURE I’M HIRING A TRUSTWORTHY COMPANY?
After major storms, some companies or
individuals may go door-to-door claiming your roof is damaged. Before agreeing to anything, research their history and confirm they were established in the area before the storm and will be here long after it passes. Choosing a local, reputable company protects your investment and ensures follow-up service if needed.
WHAT MAKES YOUR ROOFING PROCESS DIFFERENT FROM OTHERS?
We’ve divided our roofing process into specialized departments, so each step is handled by experts. This creates a “checks and balance” system with more eyes on every job to ensure it’s done
right. We also guide you in selecting the right shingle style and color for your home, combining personal preference with quality materials and proper installation for lasting curb appeal.
VASCULAR HEALTH & VEIN CARE
ARKANSAS VEIN CLINIC AND SKIN CARE
I’VE BEEN DEALING WITH TIRED, ACHY LEGS AND VISIBLE VEINS. HOW DO I KNOW IF IT’S SOMETHING MORE SERIOUS LIKE VENOUS INSUFFICIENCY?
Symptoms of chronic venous insufficiency can include swelling, skin discoloration, itching, burning, heaviness, and fatigue. Diagnosis is best made with a venous duplex ultrasound, which evaluates the superficial venous system and guides treatment.
IS SURGERY THE ONLY OPTION FOR UNSIGHTLY OR PAINFUL VEINS?
No. Surgical vein stripping is rarely used today. Most venous insufficiency
can be treated with minimally invasive procedures covered by insurance, such as endovenous laser ablation, radiofrequency ablation, chemical ablation (Varithena), or VenaSeal. Bulging varicose veins can be removed with ambulatory phlebectomy or treated with foam sclerotherapy. Compression therapy, daily walking, and leg elevation can also relieve symptoms and support vein health.
AT WHAT POINT SHOULD I SEE A DOCTOR ABOUT MY VEINS?
If you have ongoing pain, swelling, or skin changes, see a physician who is a diplomate of the American Venous and
SERENA SUTTON
WINDOW & FLOOR COVERINGS
D&D FLOOR
COVERING
I WANT TO UPDATE MY HOME BUT CAN’T DECIDE ON CURTAINS OR BLINDS. WHAT TRENDS ARE POPULAR RIGHT NOW?
Layered window treatments are on-trend; pairing shades, blinds, or shutters for light control with drapes or fabric panels for color and texture. This combination offers functionality with a custom look tailored to your style.
I’M LOOKING FOR WINDOW TREATMENTS THAT LOOK GREAT BUT ARE ALSO ENERGY EFFICIENT. WHAT ARE MY OPTIONS?
Hunter Douglas Duette honeycomb shades are the most energy-efficient choice, with New Style Plantation Shutters a close
second for their timeless beauty and insulation. D&D Floor Covering is the Hunter Douglas Window Covering Showroom for the River Valley, offering free quotes, precise measuring, and expert installation on all window treatments.
I WANT FLOORING THAT WILL LAST BUT ALSO WORK FOR MY PETS. WHAT SHOULD I CHOOSE?
Engineered hardwood, luxury vinyl plank, and laminate are built for long-term durability, while today’s carpets offer lifetime pet stain and soil warranties and pads with moisture barriers. Professional installation, furniture pads, and cleaning with
Lymphatic Society. Don’t ignore bleeding from a vein, leg wounds, redness, tenderness, warmth, or sudden increases in pain or swelling as these require prompt attention.
manufacturer-approved products keep any flooring looking its best. D&D offers an extensive selection of pet-friendly flooring in all styles, plus expert installation to ensure lasting results.
