Put your $ where your dreams are

May 29, 2020
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When it comes to your money, it’s not just about transactions — it’s about teamwork and your unique path toward your goals. But how do you find a team that backs you up on your financial journey?

Get Good Guides

Money is part of everyday life, and the way you use it now can have an influence on your future. It’s important to find a financial team that brings valuable experience and knowledge to the table to support you wherever you’re headed.

If you’re embarking on a path you’ve never travelled, a good team can help you achieve dreams like getting a loan for your first home, venturing into the realm of retirement planning, paying down debt and more.

Your team at Horizon Credit Union:

• Experienced Home Loan Advisors

• Qualified Retirement & Investment Advisors

• Friendly Member Service Representatives

Find your guides at hzcu.org.

Gather Your Resources

A reliable map and the right tools can help you arrive where you set out to go. Being prepared makes it easier to overcome obstacles along the way.

With our online Financial Training Ground resource center, we’ve packaged up need-to-know tips, tricks, tools and information to help you navigate toward your goals. The best part is, anyone can access these resources for free!

Your Financial Training Ground:

• Free calculators: debt payoff, retirement lifestyle, investment envisioning and budget planning

• Free courses: first time home owner tips, home loan refinancing, getting started with investing, identity protection and many more

Visit hzcu.org/trainingground to learn for free — even if you’re not a member yet!

Grow Toward Your Goals

When it comes down to it, money is about your vision and achieving your dreams.

At Horizon, we’ll use our resources to help you improve your financial journey and enhance your path in life — whatever that means to you.

Your goals achieved:

Visit hzcu.org to explore the Horizon Credit Union experience rooted in good old-fashioned service and top of the line technology — all designed to help you achieve more with your money.

NOTE: A version of this article first appeared in the 2020 Liberty Lake Yearbook.

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Top of the Menu: New York Peppercorn Steak

October 30, 2019
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New York Peppercorn Steak
MAX at Mirabeau
1100 N. Sullivan Road

A 12-ounce USDA Prime Peppercorn Steak with a four-pepper crust and brandy demi-glace, served with herb roasted potato and vegetables.

Why you’ll love it

This steak is one of the original items from the first MAX menu for a reason. One of the most popular dishes at the award-winning restaurant, it has stood the test of time.
The chefs use a blend of four peppercorns and spice, then caramelizes and sears this USDA Prime grade steak to the guest’s specifications. The finish is a French cream demi-glace reduction.

The whole nature of the dish is created by a three-day simmering process of roasting veal bones in-house to create an intense, flavorful stock, which gives the base for the finalization of the sauce and the tantalizing overall flavor. And as a bonus, the dish is gluten free! Paired with a MAX house wine and complimented with a full menu of appetizers, entrees and desserts at one of the region’s premier dining establishments, this dish is a can’t-miss culinary experience.

NOTE: A version of this article first appeared in the 2019 Liberty Lake Yearbook.

Kids: Brush up on these four ‘teeth tips’

October 30, 2019
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Dr. Jared Evans of KiDDS Dental in Liberty Lake loves the education side of dentistry, helping patients stay healthy and their parents avoid costly repairs. Here are four of Dr. Evans’ favorite tips for kids’ teeth.

1. Cavities are contagious: Did you know that the bacterial cause of tooth decay can be passed on from person to person? Decay is actually the most common chronic disease of childhood, according to the U.S. Surgeon General. “When parents say, ‘bad teeth run in the family,’ it’s more that bad germs run in the family — and you’re sharing them,” Dr. Evans said. So keep a clean mouth, and avoid sharing toothbrushes or utensils with family members.

2. Strategic snacking: Have you heard before that too much sugar is bad for your teeth? “It doesn’t tend to be the amount of sugar that’s the problem, but the amount of time the sugar is sitting on the tooth if bacteria is there as well,” Dr. Evans said. He recommends snacks that don’t promote decay, like cheese, meat and veggies. “Cereal or crackers or fruit or juice — eat it quick and get it off, just like candy,” he said.

3. Provide fluoride: About 60 percent of kids in the area have cavities by second grade, according to the Spokane Regional Health District. Dr. Evans said that is because we don’t have ideal levels of fluoride in the water in Spokane. Fortunately fluoride treatments or supplements can easily be prescribed by a dentist. “We find if we can get that fluoride treatment back on the teeth, it cuts decay rates in half,” he said.

4. Study sequence and space: Dr. Evans said there is a preferred sequence for losing teeth that helps to save the right space for the permanent replacements. After the first four permanent molars come in (usually between ages 5-7), it’s time to work with a dentist or orthodontist to consider measures such as spacers to help set the stage for the rest of the permanent teeth. “Early interceptive help can solve the majority of issues,” Dr. Evans said. “Many times, kids don’t need braces later. You can potentially prevent a $6,000 orthodontic bill by maintaining the right spacing.”

NOTE: A version of this article first appeared in the 2019 Liberty Lake Yearbook.

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