All About Sliding Glass Doors with Morgan Exteriors

Morgan ExteriorsMorgan Exteriors discusses the clear benefits of modern-day glass in today’s expert discussion.

A Gathering of Experts: Welcome, and thank you for your time. Today, we want to talk about doors. Warmer weather is coming and, for many, that means it’s time for a home exterior update.

Morgan Exteriors: Yes, it does, and a new door is a wonderful project!

A Gathering of Experts: What kinds of doors does Morgan Exteriors install?

Morgan Exteriors: We offer a full line of French, entryway, and sliding glass doors.

A Gathering of Experts: What’s the difference?

Morgan Exteriors: French doors are usually installed in sets of two and they swing in or out depending on one’s preference. They are a grand addition to decks and balconies.

A Gathering of Experts: And sliding doors? Where do those fit best?

Morgan Exteriors: Like French doors, sliding glass doors are great for accessing your home’s outdoor space. We install many of these on lower-level areas, such as a ground-level patios.

A Gathering of Experts: How many types of entryway doors are available?

Morgan Exteriors: We can install a door regardless of configuration – single, double, even triple, if need be. We have virtually unlimited designs, styles, and colors.

A Gathering of Experts: How does installing a new door change the look of the home?

Morgan Exteriors: Whether you realize it or not, the doors on your home make a statement. They can be inviting or not so friendly.  A clean, new glass door that opens easily brightens up the home and welcomes guests.

A Gathering of Experts: But installing new doors is really expensive – isn’t it?

Morgan Exteriors: We believe that you get what you pay for in building materials. Our doors are not the cheapest on the market, but they offer a value beyond anything you’d get at a ‘big box’ retailer.

A Gathering of Experts: Such as…?

Morgan Exteriors: We are known for our lifetime warranty on doors, windows, and vinyl siding.

A Gathering of Experts: Okay, that’s different. Lifetime?

Morgan Exteriors: Yes, of course. As well, our premium vinyl doors are impact-resistant and durable. They are low maintenance, too!

A Gathering of Experts: Energy efficiency is a big topic these days. How do your doors perform?

Morgan Exteriors: Every door we sell is ENERGY STAR certified.

A Gathering of Experts: What does that mean exactly?

Morgan Exteriors: ENERGY STAR doors have been rated by an independent team based on standards aggregated by the EPA. A certified door is one that’s proven to reduce energy consumption and help keep your inner atmosphere comfortable.

A Gathering of Experts: How do I know my door is being installed correctly?

Morgan Exteriors: Our employees are trained by the factory and supervised by home improvement veterans. That’s why we package our doors with a lifetime warranty!

A Gathering of Experts: Before we close, can you tell our readers a little about your company?

Morgan Exteriors: We were established in 1995 by Kirk Morgan, who remains involved with every project in one way or another. Kirk has been known to show up to job sites unannounced just to make sure things are going smoothly. He has worked hard to build this company, which is reflected in the fact that we’ve been voted Tampa’s # 1 door and window installer for 15 years straight. Our customer service team is available by calling 813.931.4663. We proudly serve Tampa and the surrounding communities.

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Interview: Gary McClure Talks About Wins and Losses

Gary McClureFormer APSU baseball head coach Gary McClure saw his share of highs and lows during his long and illustrious career. In the following interview, the now-retired Gary McClure discusses breaking records and embracing losses.

Gathering of Experts: Good evening and thank you for taking the time out to speak with us today.

Gary McClure: It’s my pleasure.

Gathering of Experts: Given your recent retirement, we would like to discuss some of your career highlights.

Gary McClure: My second year back in 1989 really sticks out because that was the year we were able to turn this program around from a talent standpoint and getting our guys to believe they could win at Austin Peay. That is one of the biggest hurdles to get over when there hasn’t been a lot of winning. We were able to get to the conference tournament and play our way to the championship game finishing 2nd in our league. 2011 was a fantastic year. It was then that I passed Johnny Reagan as the all time leader for wins in the OVC. I’ll never forget that moment! Truly though, nothing compares to the years we were successful on the field and able to accomplish our greatest feats as a team. That’s true gratification.

Gathering of Experts: Johnny Reagan is an OVC Hall of Famer, correct?

Gary McClure: That’s right, with a 776-504-11 record. Johnny’s also one of the most classy people you will ever meet and he had many more accomplishments at Murray State. At one time he was the AD, and i believe he was both a baseball and basketball star there at one time.

Gathering of Experts: How long were you with the Governors?

Gary McClure: For 27 seasons. I started as the interim head coach in 1988. I was actually still finishing my graduate degree at the time.

Gathering of Experts: But it didn’t take long for you to start raking in the victories…

Gary McClure: My first win as head coach was in February of ‘88, against Trevecca.

Gathering of Experts: How was your first full year as head coach?

Gary McClure: 1989 – We actually had the 2nd most wins in school history with 32. We also finished 2nd in the OVC tournament that year and were 1 win short of going to the NCAA Regional. It was a lot of work, but extremely fun for the players and coaches.

Gathering of Experts: You quickly became known as one of the best coaches in the OVC.

Gary McClure: Well, it took six years of hard work before anyone ever thought that! In 1994 we won the OVC regular season championship and unknowingly I became the Govs all time wins leader as well.

Gathering of Experts: You surpassed that record easily.

Gary McClure: I won’t say it was easy. In athletics at that level nobody is going to make anything easy for you. And I definitely would not say I did it by myself. I had very good players that bought into what some very young coaches laid out for them. They had good attitudes and were very coachable

Gathering of Experts: 1994 was special for another reason, wasn’t it?

Gary McClure: Yes very, as i mentioned before, we won the school’s first championship since 1971. It was obviously my first as a head coach.

Gathering of Experts: And 1996?

Gary McClure: Many people have called the 1996 team the best in the program’s history. I can’t really argue that. We had a lot of great players who won 44 games and they took me to my first NCAA Regional as a coach. Also, when i look back at least 3 of the players on that team are in the Austin Peay Athletic Hall of Fame and close to 10 of  those players went on and played professionally.

Gathering of Experts: Like who?

Gary McClure: Third baseman Nate Manning, who was named OVC Player of the Year, and Craig Smith was bestowed the honor of Pitcher of the Year. Shortstop Chuck Abbott was a tremendous player and was the first draft pick by the Angels in 1996. We had hall of fame catcher Ryan Bennett, centerfielder Kent Brown, and RHP Mike Eikenberry, who were all selected in the draft. That team really had very good players all throughout the lineup

Gathering of Experts: After the 1996 season, the Govs kind of disappeared for a while. What happened?

Gary McClure: Well, we didn’t really disappear although everyone has some ups and downs. It just we were just finishing in 2nd and 3rd some years and not winning championships. We were still right there banging on the door.

Gathering of Experts: Fast forward to 2003…

Gary McClure: We came back into the spotlight and actually had our first 3-Peayt with  back-to-back OVC regular season titles (2003 and 2004) and a OVC tournament championship in 2005 and got back to the NCAA Regional again that year.

Gathering of Experts: Out of all the games you coached, what would you say is the most memorable?

Gary McClure: Wow, i really can’t pick just one, but the NCAA  game in 2007 against Vanderbilt was truly one of the most intense and competitive games i’ve seen or been a part of. They were No. 1 seed. We lost, but it was a fierce battle over 11 innings. Shawn Kelley matched up with David Price and he pitched for 10 of those and allowed just one run. It was a late error on what was truly a fluke play that finally got us in the 11th inning. It was an extremely heartbreaking loss for everyone, players, coaches, and fans. I would also have to say that our victories against Georgia Tech in the 2011 regional, Cal State Fullerton in the 2012 regional, and Florida in 2013, were very special. Etery championship game in our league was also very high on the list.

Gathering of Experts: Those all sound like exciting contests. As we’re sure they all were. Thank you, Gary McClure for joining us today!

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Severe Morning Breath Avoidable, Says Edmond Dentist Dr. Damon R. Johnson, DDS

Edmond DentistSmokers at higher risk of bad breath in the morning, according to Edmond dentist Dr. Damon R. Johnson, DDS.

A Gathering of Experts: Good afternoon, Dr. Johnson, thank you for joining us today. We would like to talk about a rather embarrassing problem: morning breath.

Damon R. Johnson, DDS, Edmond Dentist: Uncomfortable as it may be, it’s very common. Everyone experiences morning breath to some level.

A Gathering of Experts: But what causes it?

Damon R. Johnson, DDS, Edmond Dentist: Bacteria, plain and simple. When you sleep, your salivary glands take a rest, too. Without the extra moisture in your mouth, bacteria thrive.

A Gathering of Experts: Is morning breath more of a problem for some people, more than others?

Damon R. Johnson, DDS, Edmond Dentist: Yes; smokers, those who snore, mouth breathers, and allergy sufferers are often the most affected.

A Gathering of Experts: How is snoring related to bad breath?

Damon R. Johnson, DDS, Edmond Dentist: When you snore, your mouth dries out faster than when you inhale normally. The same applies when you breathe through your mouth at night.

A Gathering of Experts: And smoking…?

Damon R. Johnson, DDS, Edmond Dentist: Smoking is a double whammy where bad breath is concerned. Aside from having a drying effect, it also increases the temperature of the mouth.

A Gathering of Experts: You mentioned allergies as a contributor to bad breath…?

Damon R. Johnson, DDS, Edmond Dentist: Yes. When the body responds to an allergen, it creates mucus. This phlegm gets caught in the throat at night and becomes an all-you-can-eat buffet for germs. If the allergies evolve into a sinus infection, the situation gets even worse.

A Gathering of Experts: Let’s talk about solutions. Is bad breath preventable?

Damon R. Johnson, DDS, Edmond Dentist: That’s the good news. Yes: It is treatable. All it takes is a little preemptive oral care.

A Gathering of Experts: Like…

Damon R. Johnson, DDS, Edmond Dentist: Brushing the teeth regularly is a good start. But, you have to brush for a full two minutes for it to be really effective.

A Gathering of Experts: Why is that?

Damon R. Johnson, DDS, Edmond Dentist: Studies have found that two minutes is the minimum time required to actually hit every surface of the teeth and tongue.

 A Gathering of Experts: The tongue…?

Damon R. Johnson, DDS, Edmond Dentist: The tongue holds 85% of the bacteria that causes bad breath.

A Gathering of Experts: Does flossing help?

Damon R. Johnson, DDS, Edmond Dentist: Of course! Flossing helps you remove food particles between the teeth that brushing simply can’t reach.

A Gathering of Experts: How about mouthwash?

Damon R. Johnson, DDS, Edmond Dentist: Yes, but only if used properly and in conjunction with brushing and flossing.

A Gathering of Experts: What’s the proper way?

Damon R. Johnson, DDS, Edmond Dentist: You have to start by buying an antibacterial mouthwash. Preferably one that’s ADA approved. Then, rinse the mouth for at least 30 seconds.

A Gathering of Experts: So, a quick swish won’t do the trick?

Damon R. Johnson, DDS, Edmond Dentist: I’m afraid not. A few seconds doesn’t give the mouthwash time to kill the bacteria.

A Gathering of Experts: Thank you for your time today. This has been quite informative!

Damon R. Johnson, DDS, Edmond Dentist: My pleasure.

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Q & A with Fred Wehba | Real Estate

Fred WehbaA Gathering of Experts: When are most residential properties listed on the market?

Fred Wehba: We usually see a rise in home listings in the spring when weather warms up.

A Gathering of Experts: How is today’s real estate market as compared to the big bubble burst of 2007?

Fred Wehba: I think we’ve pretty well recovered, with some places even hitting record high prices.

A Gathering of Experts: Do you think we are being set up for disaster again?

Fred Wehba: In some areas, possibly. However, most cities have seen steady gains of around 5% per year which is sustainable.

A Gathering of Experts: Do lower mortgage rates encourage buyers?

Fred Wehba: Absolutely and possibly more than any other factor.

A Gathering of Experts: But these rates can change so quickly…

Fred Wehba: That’s true. My best advice would be to lock in your rate when it’s at a comfortable number.

A Gathering of Experts: What is the difference between a buyer’s market and a seller’s market?

Fred Wehba: A seller’s’ market means there are fewer homes and they are selling for more money. A buyers’ market is just the opposite.

A Gathering of Experts: What’s considered a healthy supply-to-demand ratio in the real estate market?

Fred Wehba: Specifically for residential, a six month supply is about right.

A Gathering of Experts: What sells faster, turnkey properties or those that need work?

Fred Wehba: Move in ready homes are more popular for buyers who want to live on their property.

A Gathering of Experts: Are investors still buying the fixer uppers?

Fred Wehba: Always.

A Gathering of Experts: Do higher prices tend to drive investors away?

Fred Wehba: Usually, yes. It’s very difficult to turn a profit if price points are too high.

A Gathering of Experts: It’s been said that it’s cheaper to buy a home than to rent. Is that true?

Fred Wehba: For the most part, yes. Rental homes are in demand, and that drives up price.

A Gathering of Experts: How much more affordable is it to buy?

Fred Wehba: Month-to-month it is literally about half the cost.  Mortgage payments average 15% of a buyer’s income as opposed to 30% spent by renters.

A Gathering of Experts: Is credit still nearly impossible to obtain?

Fred Wehba: There are definitely more stringent requirements now, as opposed to before the economic collapse. However, many lenders are loosening up just a bit.

A Gathering of Experts: Are homes getting bigger?

Fred Wehba: Actually, no. Despite a steady economic recovery, the average new home size has dropped from around 2500 ft.² to around 2200 ft.².

A Gathering of Experts: Why do you think that is?

Fred Wehba: The new generation of homebuyer is more ecologically aware than their predecessors.

A Gathering of Experts: Does this affect home design?

Fred Wehba: Absolutely – it’s very difficult to sell a home now that isn’t outfitted with energy efficient appliances, windows, and plumbing.

A Gathering of Experts: Switching gears to commercial real estate. Are the supply levels consistent with residential?

Fred Wehba: Actually, commercial real estate is at an historic low.

A Gathering of Experts: Are investors still squeamish after all the losses the last few years?

Fred Wehba: Many are, yes, but some are hungry for risk.

A Gathering of Experts: Do you have any thoughts about how investors decide what in what area they want to spend?

Fred Wehba: That’s pretty simple, really. Investors follow jobs and people. The more an area is expanding, the more likely it is there will be a need for housing and commercial operations.

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Debunking Myths About Running a Business

5Being an entrepreneur and running a successful business can be tough, and there are definitely hurdles to cross. According to statistics, 95 percent of all businesses fail in the first five years. For every successful entrepreneur, several are held back. Some try and fail, giving up before they should. Some don’t even start because of myths and misinformation. To assist them, here are some myths about starting a company, and the truth behind them.

Myth: No more personal life.

Truth: It will be challenging to juggle the responsibilities of running one’s own business and spending time with family, but at the end of the day, business owners can be much more flexible with personal life than any corporate employee can ever be. Time management and planning skills are essential to get things done so entrepreneurs can enjoy time spent with friends and family.

Myth: Sneakiness and shrewdness are keys to a successful enterprise.

Truth: In order to be a successful entrepreneur one needs to build honest, solid relationships with both clients and suppliers. Ruthless pricing may secure a few good deals but business owners won’t build profitable and lasting relationships. The goal should be to figure out how to make the most money while still keeping customers and suppliers happy.

Myth: More time off and less work.

Truth: A corporate job may force employees to put in long work hours and deal with a frustrating commute. Running one’s own company is appealing because it promises the opportunity to slow down and make one’s own hours. While this picture may be somewhat true, there is no denying the fact that being self-employed is very hard work. Most small businesses don’t show profit until well into the third year. If it were easy, everyone would do it. What makes the difference is that a business owner is doing something he or she is passionate about, so the long hours won’t seem like such hard work after all.

 

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Richard Siskey to Investors: Know When to Exit

Richard Siskey

Richard Siskey

Part of business ownership, according to business and entrepreneur Richard Siskey, is knowing when to exit. No matter what your role as a stakeholder in a business, knowing when to get out is as important as knowing when to begin. With more than three decades of experience in the business, Charlotte, NC native Richard Siskey has seen many companies sell for millions within just a few short years of beginning.

The key is to have your exit planned in advance. By creating specific deadlines and financial milestones, you’ll have a timeline to give company owners and future investors, Richard Siskey says. By doing all this while you’re setting up your company, you’ll be able to better plan and strategize, Richard Siskey believes although he cautions that you may end up exceeding your goal!

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Instant Tax Solutions | Understanding Tax Liens

Instant Tax Solutions

Instant Tax Solutions

For the indebted taxpayer, nothing can be more stressful than receiving repeated warnings from the IRS. But even when the IRS has levied a lien against a taxpayer’s assets, it isn’t necessarily permanent. Instant Tax Solutions regularly works to help taxpayers remove liens placed by the IRS. Instant Tax Solutions’ co-founder, Byron Pedersen, recently stopped by to talk to A Gathering of Experts about IRS tax liens.


Instant Tax Solutions complaints found online continue to remain unverified. The firm understands that all businesses involving financial services are going to be subject to some complaints; however, Instant Tax Solutions complaints found online all seem to trickle from one central source. The reason behind these Instant Tax Solutions complaints is still subject to debate, but one might suppose that an angry ex-employee or an individual looking to steal the firm’s business maybe behind the complaints. Instant Tax Solutions requests that taxpayers contact the Better Business Bureau for honest and legitimate information regarding the firm before they believe everything they read online.

 

A Gathering of Experts: How does a taxpayer know a lien may be coming?

Byron Pedersen: Think of a lien as a mortgage. It establishes the IRS as an owner of a taxpayer’s particular assets. For this to happen, the IRS must first assess an individual’s tax liability and request payment from the taxpayer. If payment isn’t made, the IRS must then determine that payment is being refused. Once these steps have been followed, the IRS can begin collections procedures. Instant Tax Solutions has found that by the time a lien is placed, a taxpayer has already refused to pay and been warned that collections will be taking place.


Instant Tax Solutions says complaints about the confusing nature of IRS forms are growing. The IRS uses forms that often include many boxes that confuse some taxpayers, says Instant Tax Solutions. Complaints usually come from elderly or visually impaired taxpayers who struggle with all of the information that appears. According to Instant Tax Solutions, complaints are legitimate and the IRS is aware that sometimes their forms may be confusing. By contacting the IRS, many taxpayers may be able to have large type forms sent to them directly. One way to mitigate complaints, says Instant Tax Solutions, is to utilize the services of a reputable tax agency.

 

A Gathering of Experts: Once a lien has been placed, do taxpayers have any recourse?

Byron Pedersen: The IRS wants its money, so is usually willing to work with taxpayers. Instant Tax Solutions can help clients set up payments in affordable installments. The IRS would rather be receiving a small amount of money monthly toward the debt than nothing at all.


Sources close to Instant Tax Solutions say complaints made against the firm have no foundation in reality, and that some are simply dishonest. The firm has a reputation of delivering quality tax debt resolution services, says one employee of Instant Tax Solutions. Complaints about the quality of care clients have received in the past have been totally fabricated. One complaint about Instant Tax Solutions circulated the Internet in 2011. The person/persons making the claims has never come forward to Instant tax Solutions and the complaint is still being investigated by company co-founder Byron Pedersen.

 

A Gathering of Experts: Is the IRS legally allowed to put liens on a taxpayer’s assets?

Byron Pedersen: Provisions for liens are stipulated in the IRS tax code. The tax code states that if a taxpayer refuses to pay tax debt, the Federal government may attempt to collect all amounts owed, including penalties and fees, by putting a lien on any property or even rights to property.


Complaints to Instant Tax Solutions staff about fraudulent e-mails sent from scammers claiming to be IRS agents have increased over the last few years. It seems that e-mail and the Internet are now the preferred choice of criminals, says Instant Tax Solutions. The complaints are usually from families who are already struggling to pay back taxes. According to Instant Tax Solutions, complaints should be sent to the IRS via their website www.irs.gov. Sadly the online schemes can be harder to pinpoint that old fashioned door-to-door scams, notes Instant Tax Solutions. One complaint from victims is the difficulty in identifying criminals after they have taken their money – they often use the Internet at a local library or coffee shop to run their scam, making it hard to track them down.

 

A Gathering of Experts: Does the taxpayer have any rights to appeal the tax lien and possibly have it lifted?

Byron Pedersen: In rare cases, a taxpayer may be confused with another taxpayer, at which point a Certificate of Non-Attachment may be filed. There are also instances where the IRS has failed to follow proper protocol in placing a lien against a taxpayer. Instant Tax Solutions can help a taxpayer get the lien withdrawn in these situations.




Instant Tax Solutions offers complaint tips when dealing with the IRS.

Having trouble with the IRS? Need to file a complaint? Instant Tax Solutions, a Post Falls based tax debt resolution firm says that dealing with the IRS can be frustrating but offers these tips:
Don’t try to call during the busy days – Monday and Friday. By the time you get an answer, you will have forgotten what you complaint was, says Instant Tax Solutions. Try calling after 1:00 on a Wednesday instead. For severe issues, Instant Tax Solutions says complaints should be e-mailed so as to leave a virtual paper trail, and to have reference materials in case your complaint is escalated to a higher dept.

 

 

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Joe Zanotti on Israel: A Surprise Wine Country

Joe Zanotti

Joe Zanotti

It all began while Joe Zanotti was working in Israel. The wine aficionado was introduced to the wines of Israel, including Cabernets, Merlots, and other white wines. Finding that these wines were as good as those found in Napa and Sonoma, Joe Zanotti, a native of Pittsburgh, began researching the wines of Israel. He learned that the weather in the areas along Israel’s Mediterranean Sea, with its hot, dry days and cool nights, is ideal for growing quality grapes that create the best wines.

During his travels, Joe Zanotti also learned about Israel’s annual wine festival. The Israel Museum Wine Festival, held in Jerusalem, attracts people from all over the world to taste Israel’s wines. With award-winning wineries spread throughout Israel, wine lovers have long known about the excellent wines being produced in Israel’s northernmost region, says Joe Zanotti, with the Golan Heights releasing more than six million bottles per year.

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Kyle Thomas Glasser Discusses His Work in Central America

Kyle Thomas Glasser

Kyle Thomas Glasser

For someone in his early 20s, traveling the world is a great opportunity. Traveling the world while helping others is life changing. Twenty-one-year-old Kyle Thomas Glasser made such a trip in May of 2010 when he headed to South America to help provide medical care to Costa Rica’s most impoverished areas. The medical student traveled as part of the International Service Learning Program, which helps give medical students experience while helping areas that normally do not receive proper medical care.

Some of the highlights of Kyle Thomas Glasser’s trip include a visit to an orphanage in Nicaragua, where the volunteers helped children by providing both medical attention and a boost to morale. Kyle Thomas Glasser also fondly recalls a visit to Project Abraham, where Glasser and other volunteers performed well-child visits and helped members of the church congregation by providing medical care. Since his trip, Kyle Thomas Glasser has continued helping children in his hometown in Georgia, providing math tutoring to students in need of aid.

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AnyLabTestNow.com Provides Allergy Testing at More Than 130 Locations Worldwide

ANYLABTESTNOW.COM

ANYLABTESTNOW.COM

According to AnyLabTestNow.com, if you suffer from allergies but merely treat them with over-the-counter medicine, you may be treating the symptoms rather than the underlying cause. By being tested for allergies, you can learn what is causing your symptoms, allowing you to find the best treatment for you. AnyLabTestNow.com has more than 130 locations nationwide to allow you to quickly and conveniently be tested for allergies. Some AnyLabTestNow.com patients even find that allergies are responsible for symptoms such as a loss of energy, headaches, and stomachaches, among other symptoms.

Following testing, AnyLabTestNow.com provides test results that can be taken to your physician for diagnosis and treatment. According to AnyLabTestNow.com staff, treatment may include everything from dietary changes to immunotherapy, which sets up regular injections customized to your treatment needs. Immunotherapy allows you to build up the immunity you need to combat your allergy problems long-term, concludes AnyLabTestNow.com.

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