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It might not be on your calendar, but Aug. 14 is Social Security Day. Since it was enacted on Aug. 14, 1935, Social Security has provided some financial support for millions of Americans during their retirement years. While Social Security benefits, by themselves, probably aren’t enough to enable you to retire comfortably, they can be a key part of your overall retirement income strategy – if you use them wisely.

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For well over a century, the vast reserves of oil and natural gas in Texas have contributed to business activity and job creation. We recently took a close look at the overall impact of the sector on business activity across the state and found that it directly or indirectly supports about one of every six Texas jobs.

Over the years, you’ll experience many personal and professional milestones. Each of these can be satisfying, but they may also bring challenges – especially financial ones. That’s why you may want to seek the guidance of a financial professional. Here are some of the key life events you may encounter, along with the help a financial advisor can provide...

During the summertime, generally, blood supplies go down, in part due to regular donors’ being away on vacation, while the need for blood generally goes up, with more people being out and about and subject to accident and injury.

If you own a business, you’ve always got plenty to think about: sales, marketing, employees, competition, industry trends, consumer preferences – the list goes on and on. It’s easy to get so caught up in your work that you might not take time to think about retirement. But if and when that day arrives, you’ll want to be prepared – which means you need a business succession plan.

Memorial Day weekend is a time of celebration and to honor our veterans.  It is also a time when many friends and family gather for cookouts, watch parades, go to the beach, visit amusement parks, and enjoy the much improved weather.  To ensure your celebrations go safely, here are some precautions to consider when planning for that weekend.

Most of us would probably agree that men and women frequently behave differently, and these differences often show up in professional, family and social situations. Of course, this certainly doesn’t mean either gender has an advantage in these areas. However, here’s an interesting question: Do women possess attributes that may make them better investors?

Some evidence suggests this may indeed be the case.

If you want to help pay for your children’s college educations, you might want to consider contributing to a 529 plan. With this plan, your earnings grow federally tax-free, as long as the withdrawals are used for qualified higher education expenses such as tuition and room and board. Yet, you may have heard some things about 529 plans that are keeping you from investing in one. However, these concerns may be more myth than reality – so let’s take a look at a few of them.

With summer and warmer weather hastily approaching, it is a time to enjoy the great outdoors. We hope that you enjoy the warmer weather and we want to offer a few tips to make it better and safer.

DEAR DR. ROACH: For 58 years, I’ve been walking around with a visible tracheostomy scar on my throat, leading the curious to ask: “Yuck. What happened there?” My answers have changed over the years, but were usually something like: “I was 4. A doctor had to cut my throat open so I could brea…

DEAR DR ROACH: I am a 79-year-old male who has been on tamsulosin for years, but it is not helping much. A recent CT scan showed my prostate at 6.2 cm transverse measurement. My urologist suggests taking Avodart to shrink it. However, I have read that this drug, along with other similar drug…

If you’ve noticed an increase in bicycle-related events lately, it may be because May is recognized as “Bike Month” – and some cities even observe a specific Bike Week. Of course, bicycling is good exercise and an environmentally friendly method of transportation, but it can also teach us some lessons about investing.

For well over a century, the vast reserves of oil and natural gas in Texas have contributed to business activity and job creation. We recently took a close look at the overall impact of the sector on business activity across the state and found that it directly or indirectly supports about one of every six Texas jobs.

Over the years, you’ll experience many personal and professional milestones. Each of these can be satisfying, but they may also bring challenges – especially financial ones. That’s why you may want to seek the guidance of a financial professional. Here are some of the key life events you may encounter, along with the help a financial advisor can provide...

During the summertime, generally, blood supplies go down, in part due to regular donors’ being away on vacation, while the need for blood generally goes up, with more people being out and about and subject to accident and injury.

If you own a business, you’ve always got plenty to think about: sales, marketing, employees, competition, industry trends, consumer preferences – the list goes on and on. It’s easy to get so caught up in your work that you might not take time to think about retirement. But if and when that day arrives, you’ll want to be prepared – which means you need a business succession plan.

Memorial Day weekend is a time of celebration and to honor our veterans.  It is also a time when many friends and family gather for cookouts, watch parades, go to the beach, visit amusement parks, and enjoy the much improved weather.  To ensure your celebrations go safely, here are some precautions to consider when planning for that weekend.

Most of us would probably agree that men and women frequently behave differently, and these differences often show up in professional, family and social situations. Of course, this certainly doesn’t mean either gender has an advantage in these areas. However, here’s an interesting question: Do women possess attributes that may make them better investors?

Some evidence suggests this may indeed be the case.

If you want to help pay for your children’s college educations, you might want to consider contributing to a 529 plan. With this plan, your earnings grow federally tax-free, as long as the withdrawals are used for qualified higher education expenses such as tuition and room and board. Yet, you may have heard some things about 529 plans that are keeping you from investing in one. However, these concerns may be more myth than reality – so let’s take a look at a few of them.

With summer and warmer weather hastily approaching, it is a time to enjoy the great outdoors. We hope that you enjoy the warmer weather and we want to offer a few tips to make it better and safer.

DEAR DR. ROACH: For 58 years, I’ve been walking around with a visible tracheostomy scar on my throat, leading the curious to ask: “Yuck. What happened there?” My answers have changed over the years, but were usually something like: “I was 4. A doctor had to cut my throat open so I could brea…

DEAR DR ROACH: I am a 79-year-old male who has been on tamsulosin for years, but it is not helping much. A recent CT scan showed my prostate at 6.2 cm transverse measurement. My urologist suggests taking Avodart to shrink it. However, I have read that this drug, along with other similar drug…

If you’ve noticed an increase in bicycle-related events lately, it may be because May is recognized as “Bike Month” – and some cities even observe a specific Bike Week. Of course, bicycling is good exercise and an environmentally friendly method of transportation, but it can also teach us some lessons about investing.

The Kilgore Fire Department strives to provide the community with the best and most reliable service possible for it’s citizens and visitors. The Texas Fire Chiefs Association has developed a best practices program to encourage fire departments in Texas to seek continual improvement in their services for their local community.

If you work for a business that offers a 401(k) plan, consider yourself fortunate, because a 401(k), with its tax advantages and variety of investment options, is a great way to save for retirement. But what if you need to tap in to your plan before you retire? Is it a good idea to borrow fr…

DEAR DR. ROACH: My husband, 79 years old, is getting up five or six times at night to urinate. The urgent care doctor said he doesn’t have an infection but doesn’t know what’s going on. He is taking Flomax, but that doesn’t seem to be helping. Who should he see? -- E.L.O.

It’s almost impossible to save too much for retirement. After all, you could spend two, or even three, decades as a retiree. And retirement is not cheap – even if you maintain a relatively modest lifestyle, some of your expenses, especially those involving health care, may continue to rise over the years. Consequently, you will need several sources of reliable income – one of which might be a fixed annuity.

DEAR DR. ROACH: My brother got very thin (112 pounds and he is 6 feet tall) from anxiety. When he gets really worked up, he doesn’t eat. His doctor put him on medication for this, which she said would help him gain weight. Are there any side effects from gaining weight quickly when he is so …

DEAR DR. ROACH: I have persistent genital arousal disorder. I find it incredibly difficult to talk about with my doctors and I’ve been openly mocked for it. I find there is a distinct lack of sensitivity in the medical community about this. People like me genuinely suffer in a variety of way…

DEAR DR. ROACH: I’m a 92-year-old man in better-than-average health. I have had two episodes of blood in my urine in the past two months. I know this isn’t normal. At my age, I’d just like to make believe it didn’t happen. What’s my future like? -- Anon.

ROACH: What can you tell me about fructose intolerance and/or malabsorption? Is there a genetic predisposition to this? Can it develop later in life? What are the symptoms, and how is it diagnosed? What type of doctor can best make a diagnosis? I’ve read conflicting reports online regarding …

ROACH: What can you tell me about fructose intolerance and/or malabsorption? Is there a genetic predisposition to this? Can it develop later in life? What are the symptoms, and how is it diagnosed? What type of doctor can best make a diagnosis? I've read conflicting reports online regarding …

DEAR DR. ROACH: My daughter got the Gardasil shot when she was 16 years old. Now there is a new, more effective vaccine -- Gardasil 9. Is it advisable to get another vaccine? Also, if a young girl has had sexual relations, is it too late to get the vaccine? -- D.J.

We're getting close to the tax-filing deadline. For many of us, this means it's that time of year when we get our biggest financial windfall – a tax refund. If you have recently received a refund, or are expecting to get one in the next few weeks, what should you do with it?

DEAR DR. ROACH: After giving myself allergy shots at home for years, my allergy doctor's group has decided that it's too dangerous for patients to do this anymore. The allergy practice will no longer send a vial unless you can prove the shot will be given in a medical facility. Even if you a…

DEAR DR. ROACH: My daughter was diagnosed with lymphomatoid papulosis. It's not a bad case, but it's enough to make me worry. I know it's rare for this to turn into cancer, but there is always a chance. Doctors often misdiagnose it, but thankfully I have the best pathologist in the world. My…

It's been 107 years this month since the tragedy of the Titanic. Of course, this disaster has fascinated the world ever since, leading to books, movies, musicals and, ultimately, a successful search for the big ship's remains. On the positive side, commercial shipping lines learned a great d…

DEAR DR. ROACH: I'm a 67-year-old black female who's been diagnosed with “a little arthritis in my right hip. Now retired from a desk job, I unfortunately still am not getting enough exercise. My issue is that after sitting for a length of time, I'm in excruciating pain and can't stand up at…

DEAR DR. ROACH: I was diagnosed with severe sleep apnea in the early 1990s and have been using a CPAP machine ever since. I have just recently begun seeing advertisements on television for a product that cleans the inside of your CPAP machine. It is common knowledge that we must clean the fa…

Spring is here – and for many of us, that means it's time for some spring cleaning. This year, in addition to tidying up your home, why not try brightening your financial environment? Some of the same moves you make to clean your surroundings may apply to your finances. Consider these suggestions:

DEAR DR. ROACH: My wife's doctor wants her to start Prolia shots for bone density, but the reviews I have been reading are extremely negative. She cancelled her appointment to start the shots (every six months) until we get some positive feedback. She had breast cancer five years ago (lump r…

I enjoy reading The Kilgore News Herald, from news-stories such as school budgets to advertisements for flooring or lawn-services – one thing nearly all categories have in common is: MONEY.

DEAR DR. ROACH: I am turning 68 years old tomorrow. For the past couple of months, my ear canals have been very itchy. Also, my wife was constantly cleaning earwax out of my ears. Now for some reason I no longer produce earwax, but my ears itch a lot. Do you have any idea what may be causing…

If you were to receive a sizable inheritance, what should you do with it? This money could help you achieve some of your important financial goals – so you'll want to think carefully about your choices.

DEAR DR. ROACH: My question is about medical bracelets and necklaces. I've never seen any recommendations as to what conditions would warrant wearing one nor what the inscription should say. When are they either necessary or beneficial? – D.A.M.