BBB: Tips For a Successful Black Friday

Black Friday is the single busiest shopping day of the year. Some retailers even offer “doorbusters” that begin shortly after Thanksgiving dinner. Undeterred by the lines and crowds, millions of consumers get excited to nab unbeatable deals on the hottest new toys and popular electronics. According to the National Retail Federation, in 2018 consumers spent an average of $313.29 on gifts and other holiday items over the five-day period between Thanksgiving and Cyber Monday. The most popular items are apparel, toys, books and video games.

Better Business Bureau (BBB) offers these tips to make your Black Friday shopping experience productive…and maybe even enjoyable:

Make the most of Black Friday deals. Consumers can start with a list of items they are looking for and use sale flyers and promotions to determine which store has the best price. Consumers may want to decide ahead of time how much they can afford to spend…and stick to it!

Read the fine print. Some retailers may offer an additional percentage off of a purchase but this might exclude certain deals or items such as “doorbusters.” Also, be cautious of companies that boast a high percentage off; the item may be “75% off” but the original price could be inflated.

Plan your approach. In many cases, consumers no longer have to wait to see what deals will be offered on Black Friday. Retailers now release their Black Friday flyers weeks ahead of time so consumers can plan out their shopping spree. They can make a map of any stores they plan to visit and what items are at which store. Some retailers only honor sale ads during a certain time frame, or on certain days and could limit the amount of deeply discounted items purchased.

Sign-up for email alerts. Many stores release their best Black Friday deals and exclusive coupons to people who have subscribed to their emails. Sign up before the holiday season but be careful of providing too much personal information, in order to receive such alerts.

Do your research. Read product reviews on extremely discounted items. It could be a cheaper model or brand advertised and not what one initially thinks they are getting. As consumers look through sales flyers and ads, check for Business Profiles on the store or shop they want to visit and read what other customers have experienced.

Know the return policy and warranty information. Be sure to find out information about returns, exchanges, repairs and warranties and provide these to the person who will receive the gift. Receipts are an easy way for recipients to return or exchange a gift if it’s not just right, however, make sure the item is able to be returned before purchasing. Visit to look up a business, file a complaint, write a customer review, report a scam, read tips, follow us on social media and more! If you see a deceitful ad, report it to BBB AdTruth


Reprinted by permission of the Better Business Bureau, © 2019.

HCB Announces New President & COO

Horizon Community Bank is pleased to announce the Board of Directors has appointed Ralph Tapscott as President and Chief Operating Officer. Mr. Tapscott succeeds Jerry Ernst who will remain as Chief Executive Officer until retiring from day to day management of the bank around the end of the year, as previously announced. Mr. Ernst will continue to serve on the Board of Directors for Horizon Community Bank.

Horizon Community Bank is excited to bring Mr. Tapscott back to Lake Havasu City to join our
executive team. With over 29 years of executive experience in the banking industry, Mr.
Tapscott brings significant experience, insight and depth to our executive team as we proceed
with our plans for future growth and expansion. Mr. Tapscott’s expertise in business
development, financial controls, commercial credit, risk management and banking operations
will enhance our management team.

Mr. Tapscott has spent much of his career working with community banks. Most recently, he
served as President and Chief Executive Officer for Republic Bank of Arizona. Prior to that, Mr.
Tapscott held the position of President and Chief Executive Officer at Mohave State Bank,
where he served for 7 years.

Mr. Tapscott is active in the community and the banking industry. He has served on the boards
of the Arizona Business Council, Phoenix Rotary Club, Lake Havasu City Rotary Club, Arizona
Bankers Association, Western Independent Bankers Association and Lake Havasu Area
Chamber of Commerce. Mr. Tapscott earned a Bachelor of Business Administration degree in Finance from Texas Tech University as well as being a graduate of the Pacific Coast Banking School, University of Washington.

Ralph and his wife Koena are excited to be returning to Lake Havasu City, a place they consider
home. Mr. Tapscott will begin duties at Horizon Community Bank in the 4th quarter of 2019.

KNTR Talk Hosts Dominate “Heavy Hundred”!!

The editors of TALKERS magazine, with input from industry leaders, present the 100 Most Important Radio Talk Show Hosts in America – known as the “Heavy Hundred.”

KNTR Talk 106.3 FM is proud to announce that three of the top five talk radio hosts listed on the “Heavy Hundred” are featured on “The Voice of the Free.” In fact, 8 of the top 35 shows on this coveted list air on KNTR Talk.

For a complete list of the TALKERS “Heavy Hundred,” click here.

An Important Announcement for All Veterans…

Until further notice and beginning immediately, the AZ@WORK office located at 228 London Bridge Road in Lake Havasu City will be closed on Wednesdays and Fridays, but if you need veteran employment services on one and/or both of those days, and I am available, I can schedule an appointment with you. I can then open the door for you so you can job search, use the computers, work on a resume, file a UI claim, and/or assist you with veteran employment services.

Sorry for the inconvenience but this is only a temporary situation.

Todd R. Baldwin
Veterans Workforce Specialist
Reemployment Assistance Administration

Phone: (928) 854-0351  Fax: 928-680-7849

“Good Sunday Show” Ten Year Anniversary Show

“Good Sunday Show” Ten Year Anniversary Show




Images Above: Roger Galloway, Dave Selby, Joe Esposito, and Shadoe Stevens

This very special 10th Anniversary “Good Sunday Show” includes interviews with David Selby the star of Falcon Crest, Joe Esposito best friend of Elvis Presley and special introductions by Shadoe Stevens

Join Roger Galloway as he host “Good Sunday Show” every Sunday from 6 AM – 7 AM