Volume 9, Issue 6: December 2016
A Dream Comes True for Two Boerne Aestheticians
TOP REASONS TO SHOP LOCAL THIS CHRISTMAS YOU SOLD ALL YOUR STOCKS BEFORE THE ELECTION... NOW WHAT? LOCAL NEWS & INFO
for home. for school.
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for business. for healthcare. for safety. for life.
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Eggerss Capital Management (ECM) is a fee-only Registered Investment Advisory firm specializing in financial planning and wealth management for individuals and institutions. Stocks
Alternative Investments boernebusinessmonthly.com
Merry Christmas & Happy New Year!
Is anyone else having a hard time believing that 2016 is almost over? It seems like just yesterday we were ringing in the New Year and now we are already shopping for Christmas presents. Time sure has flown by this year! This issue we feature two local businesses, Idunna’s
publisher LAUREN TUTTLE STUMBERG director of sales & marketing RUSTY MEADOR art direction DISTINCT MEDIA, LLC for more information 210.219.6735 LAUREN@DISTINCT-GRAPHICS.COM
Harvest and The Beauty Cottage of Boerne. I got to know Emmy Costlow and Claudia Heyne when they started advertising in BBM and became a client of theirs as well. Skincare can be overwhelming, but these two ladies really want to help you look and feel your best. They don’t want to just sell you a product or a service that will make you feel good for the moment, but strive to help their clients achieve lasting results that are really going to benefit them for years to come. I encourage you to stop in and shop at The Beauty Cottage of Boerne or pamper yourself at Idunna’s Harvest. Think about making a New Year’s resolution to really take good care of your skin! Read all about these great local businesses on page 16. We have plenty of other informative articles in this issue and plenty of local news and information as well. Don’t forget to shop local this holiday season! Boerne has some really fantastic local stores that appreciate your business. Let’s keep Boerne’s local stores thriving by shopping local first! I hope you all have a fantastic holiday season! Lauren T. St umberg Publisher
Meet Our Boerne Team Julia Garza
Vice President, Banking Center Manager Direct Dial: (830) 816-6310 firstname.lastname@example.org
Independent with a strong Texas heritage. Boerne and Jefferson Bank have a lot in common.
Susan (Susie) Allen
Senior Vice President, Commercial Lending Officer Direct Dial: (830) 816-6301 email@example.com NMLS# 797064
For more than 70 years, we have taken pride in being an independent, community bank dedicated to meeting the needs of our customers. Whatever your financial need—personal, business, mortgage or wealth management—our team of local bankers is right here to assist you. (830) 816-6300 JeffersonBank.com 371 North Main • Boerne, TX 78006
Todd M. Schneider
Vice President, Residential Mortgage Lending Direct Dial: (830) 816-6305 firstname.lastname@example.org NMLS# 812337
Vice President, Residential Mortgage Lending Direct Dial: (830) 816-6322 email@example.com NMLS# 643777
Vice President, Commercial Lending Officer Direct Dial: (830) 816-6306 firstname.lastname@example.org NMLS# 580478
Banking Service Manager Direct Dial: (830) 816-6302 email@example.com
Standing from left to right: Beca Short, Todd Schneider, Susan (Susie) Allen, Justin Boerner, Julia Garza, Tori Sherrill.
Boerne Ad_7.5 x 4.875 F.indd 4 jbank-specia-24917-01 B oerne B usiness MBusiness onthly Monthly 2016 | December
10/13/16 4:47 PM
for the Holidays!
We are thankful to you – our clients, colleagues, and friends – for the many opportunities and blessings you bring to us.
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12 Upper Balcones Rd. Cathy Spain Business Development Director Boerne, Texas 78006 boernebusinessmonthly.com 5
BA N K I NG. I N V E S T M E N TS. I NS U R A NCE. We w o r k t o g e t h e r s o t h e y â&#x20AC;&#x2122; l l w o r k t o g e t h e r.
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from the mayor
that make the most of your banking, investment and insurance needs, and help you reach your financial goals. So, if you could use a hand with any part of your financial life, our team is here to help you.
5 Reasons to Shop Local This Christmas Taking Nothing for Granted, Ever
frostbank.com | (830) 249-6633
calendar of events
taxes To Act or Not to Act on Your Estate Plan
Investment and insurance products: are not FDIC insured, are not bank guaranteed, may
by Jason Nelson, CPA â&#x20AC;&#x201C; ADKF
lose value. Investment and insurance products are offered through Frost Brokerage Services, Inc., Member FINRA and SIPC. Insurance products are also offered through Frost Insurance. Deposit and loan products are offered through Frost Bank, Member FDIC.
16: LOCAL BUSINESSES WELCOME! 1369 S. Main Street Suite #105 Boerne, TX 78006 830-730-7777 6222 De Zavala Road Suite #104 San Antonio, TX 78249 210-558-3784
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cover feature A Dream Comes True for Two Boerne Aestheticians by Joe Lilli
Bandera Electric Cooperative Announces Cash Rebates to Members Better Movements for a Better Brain by Dr. Michael Garcia, DC
finances You Sold All Your Stocks Before the Election... Now What? by Karl Eggerss, Eggerss Capital Management
recognition Tapatio Springs Hill Country Resort Named #1 Most Improved Public Golf Course for 2016
facebook.com/boernebusinessmonthly Boerne Business Monthly is published by Distinct Media, LLC, copyright 2016. Reproduction is strictly prohibited without prior consent of the publisher. Opinions expressed in Boerne Business Monthly are those of the writers or sources and do not necessarily represent the views of the publisher, nor do they constitute the endorsement of products or services herein. Although the information and recommendations in this publication have been compiled from sources believed to be reliable, Boerne Business Monthly makes no guarantee as to, and assumes no responsibility for, the correctness, sufficiency or completeness of such information and recommendations.
ShopThisLocal Christmas! The Holiday Season is here and we all know what that means, it’s time to shop. But before you hit the highway to head out of town – STOP! Here are five very good reasons to keep your Christmas shopping local: 1. Keep Dollars in the Local Economy: Money spent in locally owned businesses has three times the impact on our local community as dollars spent at national chains. When you choose to shop local, you are simultaneously helping to create jobs, fund more city services through sales tax, investing in community improvement and promoting community development. 2. Protect Boerne’s Character and Charm: Boerne’s unique mix of local businesses is part of what makes our town so attractive. By supporting these inde-
pendent, small businesses you are helping Boerne retain its distinctive local flavor. 3. Community Well-Being: Locally owned businesses help strengthen towns by sustaining communities, linking neighbors and contributing more to local causes and charities. Additionally, local ownership means that important decisions are made by people who live and work in our community and who will be affected by the impacts of those decisions. 4. Customer Appreciation: Small business owners value your business. Local shops survive by their reputation and repeat business, which means you are likely to get a higher standard of service and customer care. 5. Product Diversity: Small businesses sell products based upon their own interests and the needs of their local customers, this guarantees a much broader range of products and services. BBM
This giving season, help by making a tax deductible end of year donation. Please make donations payable to Operation Round Up. BBM
Mail to: Bandera EC C/O Operation Round Up PO Box 667 Bandera, TX 78003
For more information, pleaseboernebusinessmonthly.com visit BanderaElectric.com 7
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B oerne B usiness M onthly | December 2016
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The holiday season is in full swing once again! I am so very grateful for the opportunities I have as mayor to share the holidays with you. I do not take for granted that our local media are willing to publish my comments throughout the year. In Boerne we are blessed to have two hometown papers and several local magazines that strive to educate and celebrate those things that make Boerne such a special place. In this dynamic communication age, I for one still value local newspapers and magazines because I know they reach a segment of our population that chooses not to engage on social media or other tech channels. Kudos Lauren for creating a fantastic publication highlighting our amazing businesses. It can often be tempting to take our quality of life in Boerne for granted. Over this last century our local leaders and elected officials made decisions that have shaped this community. Within the last several decades Boerne has come out of the hill country shadows and blossomed into a vibrant and prosperous town with unique features that attract new residents and businesses year after year. Since Boerne was founded, the local leaders worked to ensure that Boerne was a successful place to live and work. To thrive, the local government must always be prepared to address the health, safety, and welfare of its residents – because that is what is expected. Together this community has accomplished several important projects in 2016 that I believe reflect many of our shared goals of continuous improvement. Boerne’s Hill country Mile is fast becoming a household name. City leaders created this moniker for our Main Street shopping, dining, and art gallery experience several years ago. The recent rebranding effort for this public private partnership has generated, not just more excitement by business owners, but also record sales tax revenue these days. The creativity and tenacity on display in Boerne should never be taken for granted. With very generous support from the Majestic Ranch Arts Foundation and the Boerne Library Foundation, we completed the Boerne Amphitheater at the Library this past summer. The new venue has already hosted a variety of terrific performances as well as creative programs by the library staff and volunteers. Next up will be the construction of a playground to complete the library campus master plan in this beautifully serene location. A major mobility improvement, the Herff Road expansion and extension to Main Street, opened a few months ago. This Kendall County project, in coordination with the City of Boerne, is significantly improving traffic in that sector of town. Several Texas Department of Transportation projects that are either underway or planned will further improve mobility in and around Boerne over these next several years. Roadway improvements are very expensive and because we have been able to forge productive partnerships, we are making progress just as fast as we can. While it feels slow and painful now, our traffic will flow so much better once these state projects on Highway 46E and IH10 are completed. Water is always a major topic – something we quite often take for granted. For years our public works and utilities teams have been developing a Reclaimed Water Utility to serve as our fourth source of water. This year the city completed the necessary pipeline work to deliver treated water from our new Wastewater Treatment and Water Recycling
from the mayor
TAKING NOTHING FOR GRANTED, EVER
Center to the Esperanza and Ranches of Creekside developments on Highway 46. As homes get built in these neighborhoods their irrigation systems will use this non-potable recycled water for all outdoor lawn and landscape use. There are over ninety meters already using this new source of water. Other initiatives that got off the ground this past year include the city’s partnership with the YMCA and the architectural design for a new city hall building. For years, staff has contemplated these projects, but the timing to move forward wasn’t quite right until this year. The partnership with the YMCA will turn an underperforming city asset, the former Civic Center, into a more useful recreation/ community center. Who better to take on the challenge of creating a new community health and fitness hub than the YMCA? They have decades of experience and will provide the resources to meet this need in our community. As the design moves forward for a new city hall building on the N. Main City Campus, we are excited to build a facility for this intended purpose; designed and constructed to last seventy-five to one hundred years or more. It will not be a Taj Mahal as some have feared; it will however, be a structure that suits Boerne’s character – one we can all be proud of. We have lots to look forward to in 2017, but for now let’s enjoy these holidays together with our families and friends, and celebrate what we accomplished in 2016 - taking nothing for granted, ever. Happy holidays everyone!
– Mayor Mike
December 2016 CALENDAR OF EVENTS
SATURDAYS THE FARMERS MARKET AT THE CIBOLO 9:00am to 1:00pm | 33 Herff Road – Boerne Shop fresh local produce, farm fresh eggs, breads, jams, jellies, local honey and Texas Hill Country arts & crafts at the historic Herff Farm at the Cibolo Nature Center in Boerne. Enjoy free live music, gardening classes, cooking demonstrations and children’s craft activities, too.
DECEMBER 2-17 TWAS THE NIGHT BEFORE CHRISTMAS by Ken Ludwig, G-Family Comedy Before you can say “Merry Christmas!” we’re off on the wild adventures of a mouse, an elf, and a spunky little girl who just won’t take no for an answer. Don’t miss this joyful tribute to the holiday season! boernetheatre.org for ticket info.
UNTIL DECEMBER 31 CHRISTMAS LIGHT FEST AT THE DON STRANGE RANCH A drive-thru light spectacular designed to delight the entire family, Christmas Light Fest features more than two million lights sparkling along a two-mile path, as well as Santa’s Village, a marketplace featuring free pictures with Santa, food, fun, holiday crafts and gifts. The 2016 event is open nightly through December 31, giving everyone the opportunity to enjoy the perfect holiday evening with their family and friends. Tickets may be purchased online at www.sanantoniochristmaslightfest.com. DECEMBER 3 WEIHNACHTS PARADE 6:00pm to 10:00pm | Downtown Boerne 2016 Theme: "Lonestar Christmas" The Weihnachts Parade is a long standing Boerne Christmas tradition. This year will be the 30th anniversary. Up to 100 lit entries travel Main Street. The parade will travel North to South beginning at Frederick Street (by the Fire House) and will end at River Road. DECEMBER 6 – 7 A WALK IN BETHLEHEM 6:00pm | St. Helena’s Episcopal Church 410 N. Main – Boerne As you enter the city, allow the sights, sounds and smells to carry you to a period of time that changed the world. Journey through the heart of the city after being counted for the census. The highlight of the event will be the arrival of the Christ Child and a traditional nativity scene including camels and Magi. DECEMBER 10 CHRISTMAS AT HERFF FARM 10:00am to 1:00pm | 33 Herff Rd. – Boerne Join the Cibolo Nature Center and Farm for Christmas at Herff Farm. Lots of opportunities for photos with Santa to remember the holidays. Santa photos: $10/Family Portraits: $20/ Santa and Family: $25
SECOND SATURDAY ART AND WINE 4:00pm to 8:00pm | Galleries in Boerne See what's happening with the art scene in Boerne!
www.sonorabank.com BANK BRANCHES
SONORA 102 E. Main St. • 325-387-3861 BOERNE 128 West Bandera • 830-755-4635 SAN ANGELO 5710 Sherwood Way • 325-949-0099 SAN ANGELO 3443 Knickerbocker Rd. • 325-716-1744 2502 Southland Blvd. • 325-947-2100 BULVERDE 512 Singing Oaks • 830-438-0416 BOERNE 122 West Bandera • 830-331-9118 BULVERDE 512 Singing Oaks • 830-438-0416
B oerne B usiness M onthly | December 2016
THE CHRISTMAS TOWN 6:00pm | Vanguard Institute 43360 IH 10 West – Boerne This unique experience is sure to bring the entire family back to the true spirit of the season! The Christmas Town includes live Christmas music, hayrides, the town of Bethlehem on the night of Christ's birth, shopping hand-made gifts, an entire interactive area just for kids, amazing foods and so much more. Join us in enjoying the meaningful traditions of the season. continued on page 21
Bluebonnet Realty Since 1989
Offering Leasing, Property Management, Sales and Listings! Check out our properties on our website:
www.BoerneTexasHomes.com (830) 816-2288
Properties for Sale:
217 & 219 Whitworth Rd
2 home property on 5 acres, all fenced, and gated. 219 - 3 bed, 2 bath, 2021 s.f.; 217 - 3 bed, 2 bath, 1240 s.f. Property cannot be split. $515,000
107 Bentwood Drive
Mediterranean style townhomes with 2 bedrooms and 2 baths on large lot. Approx. 1867 sf of living area in convenient location. $245,900
JUDY FILINGERI (830) 816-2288 Leasing & Prop. Mgt.
110 Sparrow Hawk Trail
Split level 4 bedroom, 2 full and 2 half baths, AMAZING VIEWS!!! approx. 2662 sf of liv area plus great deck for entertaining. $404,500
18103 Muir Glen Dr.
Spacious Mediterranean home that has barely been lived in (1 owner and no pets)! Open floor plan with 3 stories and two master suites. Move-in-ready. MLS#1212546, $429,000
ANGELA TURNER, BROKER (210) 912-8221 Sales & Listings
CAREY STEWART (210) 551-2883 Sales & Listings
To Act or Not To Act On Your Estate Plan
by Jason Nelson, CPA
Whether you are a Republican or a Democrat, the results of the November 8 election was most likely an enormous surprise. Starting January 20, 2017, the Republicans will be in control of both houses of Congress, along with the Presidency. Now that we know the “lay of the land,” what will the horizon look like when it comes to our tax obligations, in particular, our estate tax? Currently, President-Elect Trump’s proposal is to repeal the estate tax; however, capital gains held on property at death valued over $10 million would be subject to a tax. There would be some exemptions for small businesses and family farms, but those exemptions are not yet fully known. Due to this proposal, several people have expressed their opinion that they no longer need to worry about estate taxes now that Republicans control the stage, or they can at the very least put everything on hold to see what happens. While this strategy may work, I do not think it is wise and could have dramatic repercussions should they be wrong. Let’s start with the fact that the estate tax in the past has been, in fact, repealed three times and all three times the estate tax was reinstated. Two of these times it was reinstated within four years and twelve years. Meaning that even if the estate tax is abolished, history shows that it would have a very good chance of coming back, and it most likely would be back within a short time frame. Also, let’s keep in mind that the estate tax, at this time, is far from being abolished in the first place. Politicians have been known, in the past, to not fulfill all promises, and there may be some disagreement even within the party itself on how to handle this issue. There are several other proposed plans by Republican leaders on how to handle the estate tax without doing away with it entirely. Now that it has been established that the likelihood of the estate tax being permanently abolished is unlikely, let’s take a look at some of the repercussions. First, by ignoring your estate issues, you could lose out on certain options and precious time to implement your estate plan. Most estate plans need commitment and time to see the plan through. By ignoring to plan, precious time will slip by which could have been needed to put your estate plan into action. Also, keep in mind that there is a three year
B oerne B usiness M onthly | December 2016
claw-back provision on gifts to prevent death bed gifting. This provision essentially will add back the value of gifts made within a three year period preceding death and put the value of those assets back into the estate of the deceased. With the claw-back in mind, it is always best to do the needed gifting sooner rather than later to get that clock running. However by waiting it out you just lose time that you could have been gifting to your heirs. Another issue to take into consideration is if your estate plan would require or need a life insurance policy placed inside an ILIT (Irrevocable Life Insurance Trust) to help defray the cost of the estate tax that may exist when you pass. If you wait to take care of obtaining an insurance policy to implement this strategy, you may become uninsurable due to an unforeseen health issue down the road, or the insurance policy may become unaffordable with your older age. Another reason to get your estate plan in place is because, at this time, the IRS has proposed new regulations to do away with certain minority valuation discounts. The IRS has been after limiting or doing away with these minority discounts for quite some time, and they may well get their way soon. If that were to happen, that would be one less tool to use in helping to mitigate the tax liability for a taxable estate. This is something that should not be ignored regardless of how the election ended, and by waiting, this window of opportunity may soon be closed. In conclusion, if you have an estate plan at this time, it is way too early to think about changing anything. If you need an estate plan, but have been putting it off, don’t use this election result as an excuse not to do anything. As time has proven in the past, the estate tax has a hard time dying. At ADKF, we can guide you through the best strategy to meet your estate planning goals. BBM Jason Nelson, CPA is a Tax Manager with Akin, Doherty, Klein & Feuge, P.C. (ADKF).
1018 River Road Boerne, Texas 78006
Keller Williams - Boerne, Broker-Associate 210-274-5975 – cell email@example.com
Craftsman’s Home, nestled in the cul-de-sac with granddaddy Oak trees, 7.79± ag. exempt acres, open floor plan with many windows throughout to enjoy the natural light and abundant wildlife. Large covered patio, additional garage/workshop, garden area, completely fenced with an electric gate. Fantastic horse property, this home features 3/2.5/3 with granite countertops, tile flooring, custom alder cabinets. Boerne Schools! MLS#1203319 | $629,900
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(C) 2016 SWBC, All rights reserved. Loans are subject to credit and property approval. Other restrictions and conditions may apply. Programs and guidelines are subject to change without notice. Rates are subject to change daily. Corporate office located at 9311 San Pedro Avenue, Suite 100, San Antonio, TX 78216. SWBC Mortgage Corporation, NMLS#9741 (www.nmlsconsumeraccess.org) 8540-5663-0316.* Consult your loan officer for further details.
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COMMERCIAL ~ RANCHES ~ RESIDENTIAL PROPERTIES 14
B oerne B usiness M onthly | December 2016
Happy Holidays from The Mangus Realty Group!
221 WATER STREET – OFFICE BLDG Location, Location, Location. Great Office location less than a Block off W. Bandera, close to Banks, Stores, Restaurants. This is a Perfect Office location for Attorneys, CPA, Professional services, Hair Salon, etc. This one story Home has been remodeled with flooring, new central AC, Paint and much more. Call for Details. 256 BENTGRASS DRIVE – PORT ARANSAS Cinnamon Shore Fully Furnished Home For Sale - 3 story, 3200 sq. ft. home, sleeps 15 - close to beach, overlooks pool and Excellent rental income history. Over $100K in rental Revenue.
HILL COUNTRY PLAZA 1300 SF office Condo, E. Bandera & Main/Behind Walgreens. $310,000
320 NORTH ESSER: 1 ACRE W/HOUSE This is a flat 1 acre property in Boerne, Texas across from Boerne High School on High traffic roadway FM 474/North Esser. All Utilities available, Small house currently leased, could be refurbished for Small Office. With New zoning this site could be Opportunity for Office complex or Multi-Family. $219,000
SEVEN OAKS: 138 OLD SAN ANTONIO RD A quaint and Charming Professional Office Park designed to meet the needs of the Booming Hill Country Market near Boerne, Texas. This development will include ample Parking w/Lighted areas. This Prime location is Perfect for your Professional Office and Medical Space needs. Spaces starting at 541 sf to 6,500 sf. Call for Site plan and rates. Call for Pricing.
620 FRONT STREET – COMFORT, TEXAS: (NAPA AUTO PARTS CURRENT TENANT) Great Commercial Location On Front Street/Business Hwy 27. Current Tenant Napa Auto Part Store on a Month to Month lease at present, could be re-signed for a Min. 24 month lease. New owner could provide tenant notice to vacate if location is desireable for New owners Business. $265,000
WATER STREET BLDG: 128 W. BANDERA – 900 SF Awesome Location for your business, perfectly set up for Physician office, Hearing aid office, Doctors office. 3 sep offices, Lobby area/waiting area. Receptionist office, with walk up window, Rear exit door. Good signage available. $1700/Month 31134 IH 10 WEST: OFFICE BLDG – 1800 SF Great Boerne Location with Incredible Visibility from IH-10, 50,000 VPD. Former Mortgage Co. office HQ, 2 front doors, 4 Separate offices, 2 bathrooms, Large conference room, Reception area, waiting area in front, Copier room. Beautifully appointed with Wood floors, neutral colors, wired for Internet. Great Signage opportunity, best uses; Attorneys, Mortgage, Real Estate, Title Co., Professional Office space. Call Today!
GARDEN OAKS: 136 OLD SAN ANTONIO RD – 900SF & 1070SF Office Condos located just North of the 10 Screen Movie Theater in Boerne, TX. One story, Stucco, Metal Roof Office Spaces now available, interiors finished out with 10 ft ceilings; tile, carpet, granite tops in kitchenette, refridgerator, lots of cabinets and storage. Easy Access to IH-10 and Downtown Boerne. Perfect for Medical, CPA, Real Estate, Attorney, Insurance, Professional services. $1.85 psf Plus Elec/Internet.
Serving the Fair Oaks Ranch, Boerne and IH-10 Corridor, our Goal is to Provide Impec Excellent Communication and the Best Results for your Real Estate Needs!
Call Today for a FREE Market Analysis on your H
Armando Muzquiz Managing Partner 210-412-1607
NEW LOCATION! 703 South Main Street | Boerne, Texas 78006 210-413-8229 Tony Mangus
Hablo Amber Espanol Smith 830-431-5027
Tony Mangus, Managing Partner 210-413-8229
Autumn Martens 210-765-1111
Eric Debner 512-576-5744
1018 RIVER ROAD, STE 300 | BOERNE, TX 78006 | WEBSITE: MANGUSREALT 15 RESIDENTIAL • COMMERCIAL • INVESTMENT •boernebusinessmonthly.com 1031 EXCHANGES
A Dream Comes True for Two Boerne Aestheticians
by Joseph Lilli | photos by Ron Pritchett
For many, the American Dream of achieving a richer, fuller life is just that – a dream. Then, there are those like Noemi Costlow (who goes by Emmy) and Claudia Heyne, who make their dream a reality. These two women are living their dream of running businesses designed to improve the health, beauty, and skin care of men and women. For Costlow, her dream of bringing personalized skin care to the Texas heartland began several years ago as an Army wife traveling Europe with five children in tow. “Now that my husband is retired, I’m finally living my dream,” she exclaims. After obtaining her aesthetician’s license from the Salon Professional Academy of San Antonio, she opened up Idunna’s Harvest Skin Care Boutique in October 2015 at 103 E. Kronkosky Street. Located in the second of three quaint cottages, the spa sits at the edge of Boerne’s historic district next to Veteran’s Plaza Park. “My philosophy is that in taking care of my customers, I want to offer them something more than an assembly-type service often found in larger spas. “To me, skin care at Idunna’s is not simply a series of skin treatments. It’s a way of life where I help my clients preserve and enhance their skin’s health and vitality. I also educate my customers on how to take care of their skin at home and to be a valuable resource for how they can feel more beautiful and live a healthier life,” she says. She named her business Idunna after the Norse goddess of beauty and wellness who fed a golden apple to the Norse gods to preserve their youth, beauty, and wellness. “Idunna was able to harvest beauty from within and bring it to the outside. That’s why we’re into wellness, because real beauty is natural and comes from within,” she adds. Soon after, she opened The Beauty Squad, which sends a hair stylist and makeup artist on site for women preparing for weddings or special events.
OF BOERNE The Beauty Cottage Shortly after opening Idunna’s Harvest, she texted her friend Heyne whom she had met while at the Salon Professional Academy to let her know she had opened a spa in Boerne. Unbeknownst to Costlow, Heyne was already living in Boerne. “I was in Houston when Emmy opened her spa. But since Boerne was my new home, we decided to join forces because we have similar ideas about skin care and how to best serve our clients,” she says. Heyne then opened her own business, The Beauty Cottage of Boerne, to realize her dream of providing people with exceptional beauty and health care. It’s a small beauty boutique with a hair salon
pictured left to right: Noemi Costlow, owner of Idunna’s Harvest and Claudia Heyne, owner of The Beauty Cottage of Boerne
B oerne B usiness M onthly | December 2016
Costlow performing a facial
Many Services and Products Idunna’s Harvest offers several different facial services. Microdermabrasion treats light scarring, discoloration, sun damage, and stretch marks. Derma-planing, a form of manual exfoliation, removes dead skin cells and fine facial hair. Microcurrent stimulates the fine facial muscles with small amounts of electricity to treat inflammation, pain, and other health conditions such as aging. Rezenerate treatments drastically reduce fine lines and wrinkles, leaving clients feeling and looking younger. “We also do waxing, Ultra Cavitation treatments, facials, body wraps, peels, and remove skin tags,” Costlow notes. The Beauty Cottage, meanwhile, carries a wide variety of exclusive, high-quality skin care and beauty products that you won’t find in Walgreens or other stores, such as Jeunesse Skin Care, Skintelligence, Morph Makeup, Smooth and Monat Hair Products, and Young Living Essential Oils, to name a few. It also sells a house brand body scrub and face cleansing oils, plus an assortment of grooming aids
sitting in the cottage directly in front of Idunna’s Harvest. continued on page 18 “This little historic cottage was closed and dark, but just begged to be opened up and brightened so people could come in and enjoy. Originally, I thought I was going to turn it into an extension of the spa. Yet it went from being a spa into a boutique to shop and a hair salon,” she remarks. People who come to The Beauty Cottage can find a variety of highquality beauty skin care products, makeup, nail polish, hair products, body scrubs, cleansing oils, and essential oils. In addition, the boutique carries a couple of jewelry lines, including some beautifully unique pieces crafted by an artist from France now living in Houston. “Since a number of men come to our boutique and salon, we also carry products for men – body washes, beard oils, hair plays and pomades. And I have a cosmetologist who primarily does men’s grooming, but she also does some women’s hair,” says Heyne. Heyne performing an eyebrow wax Although Heyne treats skin care clients at Idunna’s Harvest, both GREAT CHRISTMAS GIFT IDEA! Shop The Beauty Cottage of Boerne for fun gifts or she and Costlow maintain their own pamper your loved ones with a Gift Certificate from Idunna’s Harvest! clientele. boernebusinessmonthly.com
Stop in and Shop at The Beauty Cottage of Boerne!
continued from page 17
for men, including beard, moustache, and tele has led to significant word-of-mouth hair products. referrals. In fact, they say 70% of their Costlow and Heyne are adamant business is through referrals from very about using exceptionally high-quality happy clients. products made from organic or all natu“A lot of folks go to big-name spas ral ingredients. They first use the prod- because they have great products and ucts themselves to determine if they’ll they’re pampered for the day. It’s a feelbe effective on their good moment. clients. “But previously “We’re aware that working at a couple makeup can actually of spas before opening age a woman’s face, mine, I realized there which is one of the was something missmost important parts ing – and that was the of her body. Yet a lot special attention and of women are not care of the customer. aware of that,” says I wanted to do more Heyne. Hailey Summers Morrison than just treat them specializes in men’s grooming at nice for the moment. “It’s the same The Beauty Cottage of Boerne with skincare,” I wanted to extend that Costlow adds. moment and improve “That’s why we carefully look at their lifestyle and quality of life for as the ingredients of everything we sell to long as possible,” declares Costlow. make sure there’s nothing in them that’s Heyne feels the same way. She not natural or that would harm the face. delights in making a difference in someWe’re never going to carry a mainstream one’s life because they’re happier with products which contain toxic waxes and their skin and outward beauty. preservatives.” “Like Emmy said, it’s more a longPersonalized Service term philosophy of taking care of folks The excellent personalized service versus taking care of someone for one Costlow and Heyne provide their clien- day. We start them on the process of
B oerne B usiness M onthly | December 2016
Claudia Heyne, owner of The Beauty Cottage of Boerne
preserving their beauty at our spa, but we also follow through with phone calls, emails and text messages to ensure our clients are doing what’s best for their skin and overall happiness,” she says. Bringing personalized skin care and wellness to Boerne is what Costlow and Heyne are all about. It’s their American Dream come true. BBM
IDUNNASHARVEST.COM THEBEAUTYCOTTAGEOFBOERNE.COM 103 E. KRONKOSKY – BOERNE
During this holiday season and every day of the year, we wish you all the best. Ron Warden
1580 S. Main Street, Ste. 104 Boerne, Texas 78006 830-249-8286
1011 S Main Street Boerne, Texas 78006 830-249-2748
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You’re frustrated, and so is your attention problems such as Dyslexia and Brain research shows these skills child. Classwork and homework by ADHD are caused by weak underlying can significantly improve now are a daily struggle of tears and learning skills. yelling. Your child is falling behind, Weak underlying learning skills can be and the school is clueless as to how to identified using a cognitive skills solve the problem. assessment. Once the student’s cognitive strengths and weaknesses You know your child is smart, but are identified, a specialized program is there is something holding him back. developed to train those skills. You have tried tutoring and hours of homework, but it seems like nothing Learning Foundations: 45 years of has worked. experience, now in Boerne. So why DO smart kids struggle in school?
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B oerne B usiness M onthly | December 2016
DECEMBER 2016 CALENDAR OF EVENTS | cont’d DECEMBER 10 – 11 BOERNE CHRISTMAS MARKET DAYS 10:00am to 5:00pm | Main Plaza Main Plaza comes alive with great shopping in an outdoor setting. DECEMBER 11 BOERNE CONCERT BAND CHRISTMAS CONCERT 6:00pm to 8:00pm | Boerne High School Auditorium 1 Greyhound Lane – Boerne A variety of your favorite tunes! DECEMBER 12 KENDALL COUNTY COMMISSIONERS COURT 9:00am to 11:00am Kendall County Courthouse 201 E. San Antonio Ave. – Boerne DECEMBER 13 CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne DECEMBER 14 GBCC RIBBON CUTTING GRAND OPENING FOR HILL COUNTRY FAMILY SERVICES 12:00pm to 1:00pm | 118 W. Advogt St. – Boerne
PARADE OF LIGHTS LIGHTING CONTEST It's beginning to look a lot like Christmas... Parade of lights is a holiday lighting and decorating contest for residents and businesses. Judging will take place on December 14th. You do have to enter to be part of the judging. Deadline to enter is December 11th. Contact Parks & Recreation with questions (830) 248-1543, Kim Wolfe DECEMBER 15 GBCC RIBBON CUTTING LEGACY FAMILY REVOLUTION 11:30am to 12:00pm | 121 South Main – Boerne DECEMBER 17 THE CHRISTMAS TOWN 6:00pm | Vanguard Institute 43360 IH 10 West – Boerne This unique experience is sure to bring the entire family back to the true spirit of the season! The Christmas Town includes live Christmas music, hayrides, the town of Bethlehem on the night of Christ’s birth, shopping hand-made gifts, an entire interactive area just for kids, amazing foods and so much more. Join us in enjoying the meaningful traditions of the season.
CONCERT IN THE CAVE – WINTER SOLSTICE 7:30pm | Cave Without a Name 325 Kreutzberg Rd – Boerne Celebration Circle presents a thrilling and eclectic concert of contemporary acoustic songs, soaring vocals, ancient instrumentation, improvisation, and
Don’t Miss Those Precious Moments
HEAR LIFE AGAINTM Call our office today at (830) 214-1565 to learn how to get the most out of life with better hearing! Estes Audiology offers solutions for improved communication, as well as connection to family, friends and community. Estes Audiology...The Sound Choice. “My life changed the day I walked into Estes Audiology! I never imagined my quality of hearing could improve so greatly and easily as it did. Each new day I’m more amazed than the last.” - Kathy Johnson, Estes Audiology Patient Since 2010
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contemplation celebrating the Winter Solstice. See cavewithoutaname.com for cost. DECEMBER 17 – 18 COWBOY CHRISTMAS MARKET 10:00am to 5:00pm | Main Plaza Finish your last second Christmas shopping at the Cowboy Christmas Market Days! DECEMBER 20 GBCC RIBBON CUTTING FOR DIAMOND SPA 1:00pm to 1:30pm 1 FM South 3351, Ste. 140 – Bergheim DECEMBER 25 MERRY CHRISTMAS!
DECEMBER 31 NEW YEAR’S EVE!
Do You Have an Upcoming Event You Would Like Us to Include in Next Month’s Calendar? Email Us at firstname.lastname@example.org boernebusinessmonthly.com
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B oerne B usiness M onthly | December 2016
Call These Top Producers to Sell or Buy Real Estate!
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BANDERA ELECTRIC ANNOUNCES CASH REBATES TO MEMBERS
Just in time for the holidays, the Bandera Electric Cooperative board of directors has approved a $1.5 million rebate back to active members. The cash rebates, a direct result of operational improvements and lower energy costs from BEC, will be given to members this December. “This year, we are all the beneficiaries of lower than expected fuel costs and operational expenses” said William Hetherington, BEC chief executive officer. “As tangible evidence of these benefits, the board of directors agreed to return excess margins to all of our active members.” Members who have an active account on December 1 will qualify; the individual rebates will be based on the total amount of energy purchased by each member through September 2016. Anyone qualifying for a rebate more than $25 will receive a check, and members who qualify for a rebate less than $25 will see a credit on their December bill. A typical residential customer using the average of energy of 1300 kWh/ month will receive around $40. “We want to ensure our members get their rebates in time for the holidays, so it is important that we have accurate mailing addresses on file. I encourage our members to update their information right away,” said Hetherington. “This year, that is easier than ever using our new SmartHub online and mobile account management tools,” he continued. Bandera Electric Cooperative currently serves nearly 24,000 members and provides electric service to approximately 34,000 meters in a seven county territory in the Texas Hill Country. As a member-owned cooperative, BEC continually searches for new, innovative programs to promote energy-efficiency, cost savings and quality service. For more information about BEC, visit BanderaElectric.com or call 866-226-3372. BBM
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B oerne B usiness M onthly | December 2016
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103 E. Kronkosky – Boerne LOOKING FOR NATURAL QUALITY HEALTH AND WELLNESS SUPPLEMENTS??
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BOOK YOUR APPOINTMENT WITH HAYLEY SUMMERS MORRISON, SPECIALIZING IN MEN’S GROOMING! MON - WED & FRIDAYS FROM 8AM TO 7PM BY APPT. (830) 446-2303
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by Dr. Michael Garcia, D. C.
Your Sudoku and Crossword puzzles can definitively stimulate your brain to think and grow new connections. If you’re into this sort of thing like preventing cognitive decline from aging effects, Alzheimer’s and Parkinson’s then you will benefit from reading this article. To get the most bang for your buck I believe varied movements can be very powerful. Each time you move your joints you are sending a signal to certain areas of the brain. The more you do this the stronger the connection, think of a walking path in a field of grass. It’s no secret that exercising can improve brain function and health. The fun part of knowing this is that certain type of movements will stimulate certain areas of the brain.
Researchers have shown that the brain benefits from not only direct stimulation but also indirectly from a combination of neurogenisis (which is brain cell growth) and increased blood flow that brings nutrients and growth factors. Having an insight as to how your brain responds to different activities is huge! For example, imagine a second grade student struggling to concentrate in school. Knowing what we have always known to be true, engaging them in physical activity can have a profound effect on his cerebellum. The cerebellum is heavily activated from balance and coordination activities. There is a reason why Yoga has been practiced for thousands of years. People have benefitted not only physically but also emotionally and mentally as well. It can work with you or against you so go ahead and take that yoga class or go on the long hike! If you find yourself not having the time or desire to exercise then here is what I recommend. Cross-crawl movements. To do this: Lie on your back while raising your arm upward, turn your head to the same side while simultaneously lifting the opposite leg to the chest. Return back to a neutral position and repeat to the other side. 15-20 reps on each side for 3 sets should be plenty to start.
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B oerne B usiness M onthly | December 2016
Cross-crawling allows both hemispheres of your brain to communicate with each other, which is very beneficial for brain function. Whichever option you choose or if you choose both, you are sure to benefit through continued practice. BBM Michael A. Garcia, D.C. Boerne Wellness Chiropractic 115 Hwy. 46 W. | Boerne (830)-249-8900 boernewellnesschiropractic.com
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ATTENTION STYLISTS! STYLIST SPACE AVAILABLE!! Do you want to be your own boss and manage your own clients? Barbie’s Salon & Spa is looking for a few excellent stylists who can call our salon home! Give us a call or stop by for more information!
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You Sold All Your Stocks Before The Election…
Much was made about this year's presidential election and rightfully so. Uncertainty surrounding the Presidential election and its impact on the financial markets was building for months. All the twists and turns coming into the election only added to that uncertainty. Unfortunately, fear left investors confused and many made irrational moves with their portfolios. Let’s be clear. These feelings investors were experiencing weren’t irrational. After all, there was a stark contrast between the two candidates and the future direction of the United States. But, prior to the election, we heard of investors moving their entire portfolios to cash due to fear of the election. Now that the election has passed, those same folks are confused about how to get back in to the market. This is precisely why you must have an all-weather portfolio and a strategy regardless of short-term events, like the election. Making wholesale changes to portfolios based on news events will likely lead to poor results and could compromise financial goals, such as retirement. Even when you think you know the outcome of some upcoming event, that doesn’t mean you know what the reaction in the financial markets might be. To be successful long-term investors, we must check our emotions at the door. Making investing decisions based on feelings like fear and regret almost always leads to poor results and it takes great restraint and self-control to stand strong through potential market moving headlines. Regret, a feeling of shame, embarrassment, or guilt after a past decision has gone wrong, can be detrimental to long-term financial success. People who find themselves wishing they had done something differently in a past investment situation often use that incident to shape how they handle a current event, even though the circumstances surrounding each event might be completely different. This has been the case with the recent Presidential election. After selling investments prior to the election, many investors find themselves buying back at a higher prices after stocks have recovered with feelings of regret. The obvious fact remains that whenever we sell, both the timing of that sell and the timing of the subsequent buy have to be right. The point is that human emotions are powerful and when we don’t exercise control over them as investors, we often have unwanted consequences. Jason Zweig wrote a white paper several years ago describing how a devastating historical event produced fear that led to bad decisions. The most terrible devastation wrought by Chernobyl (1986 nuclear plant explosion in the Ukraine), did not come out of its nuclear reactors. Instead, it came from the human mind. As pan-
B oerne B usiness M onthly | December 2016
by Karl Eggerss
icky business owners fled the area, unemployment and poverty soared. Anxiety, depression, alcoholism, and suicide ran rampant among the residents who could not afford to leave. Fearing that their unborn babies had been poisoned, expectant mothers had more than 100,000 unnecessary abortions. The damage from the radiation was dwarfed by the damage from the fear of radiation, as imaginary terrors led to real tragedies on a massive scale. While I am not suggesting the scale of current events is equal to that of the above tragedy, it is a case in point that emotional reactions can sometimes cause more catastrophe than the actual catastrophe itself. Self-control is undoubtedly a challenge. Investors today have experienced two bear markets of nearly 50% in the last 16 years and they don’t want to get caught holding stocks in another one. Therefore, they are quicker to sell when there’s any sign of market weakness in order to prevent future regret. Likewise, regret isn’t just a factor when we wish we had sold earlier, it can also come into play by wishing we had purchased “that stock” when it was lower. So, what’s an emotional investor to do? First and foremost, we recommend coming up with a strategy for your overall portfolio. Investors should never try and predict what markets will do based on some future event such as the election. We know that every investor wants a good return with low risk and a lot of liquidity. Unfortunately, we haven’t found any investments to date that have all three of those desired characteristics. Therefore, it’s imperative that investors put together a portfolio that blends these elements. Next, run several stress tests on your strategy. In other words, go back in history and see how the portfolio would have reacted to various circumstances during certain times. How would your portfolio have fared during a time when the stock market fell 10%? How would your portfolio have done when the stock market went up by 20%? More specifically, how would your portfolio have held up when interest rates went up to 4% on a 10-year treasury? This is the type of hard work that needs to be done first when crafting a long-term portfolio. Once a long-term portfolio has been determined, the next step is to get invested. There is nothing wrong with getting fully invested into your portfolio allocations at once. However, for investors that may have sold prior to the election or otherwise have a large percentage of uninvested cash, it may be wise to average into portfolio investments over time to avoid jumping back in right before the next market correction. The idea is not to sit and wait for the next correction. We saw many people do this after the financial crisis only to watch the markets climb and not “let
them in.” It’s better to have predetermined times for investing, such as buy a percentage of the portfolio periodically, for example ¼ increments for the next 4 months. There is not a perfect formula for success, but the idea is to reduce the risk of poor timing while not sitting in cash so long that you miss out on making progress. As a general rule, we believe averaging into a new portfolio should be completed within 3-6 months, but if you get “lucky” and the market begins to fall, we recommend erring on the side of getting invested sooner rather than later. Lastly, know that even the most thought out, well-built portfolios will test you at times. But, if you find yourself tempted to make a decision based on fear or regret, we ultimately suggest simply finding a way to slow your mind down (take a break, exercise, stop watching it all day long, etc.) This allows you time to make more rational decisions not based purely on emotion. In addition, keeping a trading/investment journal is a great way to document your feelings and actions in certain investment climates and can help you better understand how to practice self-control. The key to long term success financially is to have a portfolio and a strategy that fits the investor's specific situation, can withstand short-term volatility, and ultimately allows the investor to stick with the plan. If you’re not committed to your portfolio plan, it isn't worth having. BBM
Serving our Friends and Neighbors of the Hill Country Since 1916
“Where experience and service make the difference” From its beginning in 1916, Kendall County Abstract Company has been Kendall County’s locally owned and operated title company. Over the last 100 years, we’ve earned the trust of real estate professionals because we’re experienced, we’re professional, and we care about our customers.
Ashlee Pfeiffer, Manager
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830.816.2131 | 830.249.3341 - Fax
In 2010, Karl established Eggerss Capital Management, his own registered investment advisory firm dedicated to providing clients with superior financial counsel in the changing economy. His market insight and cutting edge strategies help fulfill the mission of Eggerss Capital to help clients be protected and profitable in the face of a rapidly changing market. For more information on Eggerss Capital Management visit www.eggersscapital.com. 114 E. Highland Street, Boerne | 210.526.0057
103 N. Saunders • Boerne, Texas 78006 (across from the courthouse)
VISIT US AT WWW.KCAC.NET
During the Month of December, Purchase a 1-Hour Massage and Receive a FREE Gift Certificate for a 1/2-Hour Massage to Give as a Gift!! swedish
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Tapatio Springs Hill Country Resort was named as the #1 Most Improved Public Golf Course in the U.S. by Golf Inc. magazine. A total of 10 golf facilities, including private clubs and public courses, were recognized for making sizeable changes and upgrades to emerge stronger, better and more financially sound. “We are honored to receive this recognition from Golf Inc. magazine,” said Caleb DuBose, Tapatio Resort General Manager. “Due to the commitment by Northview Hotel Group and the hiring of golf course architectural firm Tripp Davis and Associates to come in and renovate our golf course, we can proudly say we are once again one of the top golf destinations in the state of Texas.” The $2.0 million golf course improvement plan at Tapatio Springs included complete bunker and tee work, regrading of fairways to improve drainage and playing surfaces, new artful bunker designs to increase the drama and strategy of many holes, resurfacing of greens, and the installation of a new practice putting green. The result is a stunning transformation of an outdated landscape of tired holes into a stimulating “must play” golf experience. The restored golf course, together with the renovated clubhouse and La Cascada Table & Bar create a truly Texas, intimate gathering place in the heart of Hill Country, ideal for private golf tournaments and event weekends. Ideally situated, Tapatio Springs hosts some of the area’s most popular golf events, including the George Strait Roping Classic Golf Tournament, and Vaqueros Del Mar, the annual Troops
First Foundation fundraiser which raised $1.1 m last month. Country music legend George Strait is a co-owner of the resort. According to Director of Golf Matt Reams, “We have sold 113 new golf memberships this year and we will finish out the year stronger than ever. The improved course also has had a positive effect on hotel occupancy. Our beautiful golf resort located in Texas Hill Country now offers a more playable and enjoyable golf experience for resort guests and local members.” About Tapatio Springs Hill Country Resort Tapatio Springs, San Antonio’s original destination resort coowned by country music legend George Strait and Texas businessman Tom Cusick, is nestled in the heart of the Hill Country on 220 acres among rolling hills, wildflowers and limestone cliffs. It is the ultimate family-friendly, affordable destination with a new $1.0 million resort pool and bar, an 18-hole championship golf course recently restored by Tripp Davis and Associates, casual, full-service dining, live music event series and over 10,000 square feet of fully-renovated event space. Tapatio Springs is located at 1 Resort Way, Boerne, Texas 78006. For more information, please visit www.TapatioResort.com or call (855) 421-0211. BBM
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B oerne B usiness M onthly | December 2016
Give the Gift of Barre! LOOKING FOR THE PERFECT GIFT FOR THE SPECIAL SOMEONE IN YOUR LIFE?
We offer gift cards designed to use towards your fitness goals or to shop in our Barre Lounge for the latest fashion, fitness apparel!
photo by Aidan Bradley
TAPATIO SPRINGS HILL COUNTRY RESORT NAMED #1 MOST IMPROVED PUBLIC GOLF COURSE FOR 2016 BY GOLF INC. MAGAZINE
222 S. Main | Boerne, Texas
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KENDALL COUNTY – OAK BLUFF - BOERNE
CIBOLO PARK - 502 HICKMAN – BOERNE
Opportunity to own and restore a piece of Boerne’s History! This unique home has so much possibilities! 1.41± acres on the edge of town. Large rooms with hardwood floors, shiplap ceilings, rock interior walls. It has several outbuildings and fenced on 3 sides. Call agent for more details, in the process of researching the history of the property. Owners believe it was some type of overnight stop. It has a building that appears to be some type of holding cell and a basement. Use your imagination!!
Walk to Main St. from your Boerne home! Country feel on this 1± ac. lot with a grand front porch, raised garden, greenhouse, tool shed and a newly painted red garage. Towering trees add beautiful canopy to front and back w/ pool. The tastefully updated home has spacious living areas, a hobby room & split bedrooms. Kitchen: custom cabinets & lighting, granite & stainless. Master has high ceilings, updated bath & closet. Bedrooms generously sized. Meticulously maintained. LR mantel & stained glass excluded.
MLS#1190641 | $265,000 Contact Sara Baird – (210) 317-9996
MLS#1205142 | $522,500 Contact Becky Trussell – (210) 859-5576
GILLESPIE COUNTY – RACIN & ROPIN RANCH – FREDERICKSBURG
THE BRISTOW OF UPPER BALCONES 133 BRISTOW WAY - BOERNE
Operating as a full scale Equine operation currently, the ranch blends itself well as a multi-use event location with unlimited potential for further development. The Racin & Ropin Ranch is an investors dream with exciting potential and additional income possibilities. The location and visibility along a major Hill Country corridor adds to the long-term value the ranch possesses. Pride of ownership and uncompromising attention to detail is evident as soon as you drive thru the front gate. The facilities, improvements and road system are maintained efficiently and the grounds are manicured with immaculate care. Adding to the charm of the Hill Country the ranch enjoys tremendous longrange views across the landscape as the terrain gently rolls across the ranch from an elevation of 1860 ‘ ASL to 1960’ ASL. Texas ranch properties of this quality and caliber are unique and special.
Build your dream home in The Bristow, a well designed community of 36 homes sites conveniently located to Boerne amenities yet shielded from the hustle and bustle of town. Lot 31 is 1.3 level acres located in a cul-desac. The irregular shape provides several homesite options! Some would say this is the premier lot of the community. Not many homesites left. Use the builder of your choice, city water, fiber optics, underground utilities, 2400 sq. ft. minimum, superior Boerne schools!
MLS#1152259 | $185,000 Contact Carol Schultz – (210) 268-3691
MLS#1195784 | $1,399,000 Contact Steve Bennett – (210) 287-3776
Experience • Skill • Dedication