Boerne Business Monthly – December 2019

Volume 12, Issue 06: December 2019

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BOERNE TRAVEL YEAR-END TAX PLANNING LOCAL NEWS & INFO

Pajamas to Bring Out the Cowboy in Us All

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• Estate Planning • Charitable Giving • Family Office Services

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M

publisher's note Merry Christmas! It is almost unbelievable that it is December, but it’s here and there is so much to do! We have presents to buy, trees to decorate, cookies to bake and lights to hang.

But while you are crossing off everything on your to-do list, be sure to take time to stop and remember the real reason for the season!

In this issue, we feature the Original Cowboy Pajamas. I don’t know about you, but as the weather cools I don’t need much of an excuse to get cozy. What better way to relax and unwind than in a pair of these amazing pajamas! They make for adorable family Christmas photos too.

Be sure to grab a pair for everyone on your list!

Are you thinking about planning a trip sometime soon? Check out our article on

Boerne Travel.These local travel experts can help you plan the perfect getaway!

As the year-end quickly approaches, it is always good to start thinking about your taxes.Valerie Brauner with ADKF shares some things you might want to consider before the end of the year. Will you be getting a Christmas or end of the year bonus? Ron Warden with Edward Jones shares some ideas on how to put that money to good use!

Coming up soon is the Kendall County Jr. Livestock Show and Sale. Be sure to check out the article and see how you can participate in supporting the youth of Kendall County!

I hope your December is merry and bright!

Lauren Stumberg Publisher

FOR MORE INFORMATION 210.219.6735 | LAUREN@DISTINCT-GRAPHICS.COM | WWW.BOERNEBUSINESSMONTHLY.COM

T H E M O S T I M P O R TA N T NUMBERS A BANK C A N T H R O W AT YO U A R E 2 4 A N D 7.

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B oerne B usiness M onthly | December 2019

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HOLIDAY SPECIAL

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contents

December 2019

16 08: taxes

Year-End Tax Planning

by Valerie Brauner, CPA, CGMA – ADKF

10: calendar of events 15: philanthropy

maste a N Join Us for...

Private Yoga Therapy Sessions, Yoga Workshops & Our Adaptive Yoga Teacher Trainings Programs GO TO OUR WEBSITE TO LEARN ABOUT ALL OF OUR UPCOMING PROGRAMS & WORKSHOPS!

BoerneYoga.com

37131 IH 10 – WEST FRONTAGE ROAD, SUITE 300-2 – BOERNE, TEXAS

Outdoor Amphitheater at Herff Farm

16: cover feature

Cowboy Pajamas: Pajamas to Bring Out the Cowboy in Us All

19: real estate

Sales Growth Robust Amid Strong Economic Activity

20: giving back

The GVTC Foundation’s Thanksgiving Giveback Project Delivers 314 Meals This Year

22: youth

FROM OUR FAMILY TO YOURS Thank Your for Your Business!

Show Your Support for Local Youth at the Kendall County Jr. Livestock Show & Sale

24: ribbon cuttings 26: scholarship

The GVTC Foundation Donates $30K to Local Philanthropist

27: travel

Let Boerne Travel Help Plan Your Perfect Getaway

28: health

Benefits of Ayurveda

by Desiree Whitney

30: finances

Use Year-End Bonus (Gift) Wisely

Contact Shaw Construction Services for all your new build and remodeling needs.

(361) 549-7485

shawconstructionservices.com

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B oerne B usiness M onthly | December 2019

courtesy of Ron Warden – Edward Jones

facebook.com/boernebusinessmonthly Boerne Business Monthly is published by Distinct Media, LLC, copyright 2019. 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.

RESIDENTIAL • COMMERCIAL • INVESTMENT • 1031 EXCHANGES

FOR SALE: 818 JOHNS ROAD BOERNE Corner of Johns Road and IH10 in Booming Boerne, Texas, with 275 ft of frontage on Johns Road, Great Visibilty. The property includes 2 lots of 1.5 ac and 2.958 acres, with 1983 sf Home and 40ft x 80ft Pavillion/ Event Center. City Utilities Nearby, City Services Nearby, Elec, Water, Sewer. Annexed By City.

FOR LEASE: NEW PRICE

527 E. BANDERA RD. $329,000

Located in the Boerne Hot Spot at Frey St. and Old San Antonio.

Adjacent to the New Franklin memory Care Center and across from the Rainbow Sr. Ctr. and just blks from Main St. Boerne,With 30ft entrance off E. Bandera the 1.557 ac. site is perfect for a Garden Home development or Infield Development with City Approval/Zoning.

32826 IH-10 W. – $1200 MONTH, NNN Location, Location, Location, On IH-10 Frontage road, 2-1200+ sf spaces, wood floors, storage, 3 sep Offices, Conference room, Kitchenette, reception area up front. Great set up for Attorneys, CPA, Professional services; Real Estate, Pool Company; Home Builder, Small Retail Shop. Triple Net lease. Call for More info and Private viewing.

13A-1 WANDA STREET $899,000 Location, Location, Location, this 1.242 acre Parcel is located in the Heart Of Boerne, Texas off West Bandera Rd, Just blocks Off IH-10 West exit and within walking distance to HEB Store; Currently Zoned "O" by the City of Boerne, Texas.

Lots of Opportunities here, Call for More Information.Lot highlighted in Green in Picture.

LEASED

COMING IN 2020!

New Estate Homes on E. Bandera Rd, Large Estate lots; Custom Built by S. Barry Signature Homes.

Great Location in Boerne, Texas; Close to Shopping, Restaurants and Much More!

Call for More Information Today !

29350 DUBERRY RIDGE NEW PRICE FAIR OAKS RANCH Awesome Golf course home on Live Oak Course, One story with 3185 sf, 3 BR, 3 Full baths with Open floor plan and views of the golf course!

With 20" tiles and beautiful wood floors in the main living areas. This home is an Entertainers delight with cedar ceiling outdoor patio w/over 600sf. The kitchen has granite top, SS Kitchen-Aid appliances including Ice-maker and wine fridge. Catch the sunsets at night A Must See Home! $579,000

RIVER 9 OFFICE PARK New Construction Professional Office space coming soon! 1,800 3,600 SF availability with larger spaces available based on client needs.

Located along River Road (HWY 46), a few blocks east of Main Street and West of Herff Rd. 1221 SOUTH MAIN_GVTC BLDG Office space available of 550 sf. Great location, $1,100 per mo.

Armando Muzquiz Tony Mangus, Managing Partner Managing Partner 210-412-1607 210-413-8229 Hablo Espanol

www.MangusRealty.com

140 E. Bandera Street | Boerne, Texas 78006 | At the Corner of Schweppe Street

taxes

Year-End

W

Tax Plannning

With the end of the year upon us, most people are focused on celebrating the holiday season with family and friends. However, the end of the year

by Valerie J. Brauner, CPA, CGMA is also a great time to consider what might be changing when it comes to your taxes as well as determine if some steps taken now, could minimize one. Deductible contributions for 401(k) IRA’s increased from $19,000 your tax liability on your upcoming tax returns. The following are a few in 2019 to $19,500 for 2020. For SIMPLE IRA plans, the deductible items to be aware of and consider before the end of the year: contribution limit increased from $13,000 for 2019 to $13,500 for 2020. Additional catch-up contributions are allowed for those 50 and INDIVIDUALS Standard Deduction: The standard deduction for 2019 is $12,200 over.

Depreciation: Consider if purchasing and placing in service fixed for single taxpayers and $24,400 for those married filing jointly.

If your itemized deductions are close to this threshold, consider assets before the end of the year would be beneficial for you. For 2019, making additional expenditures before year-end in order to exceed this new and used property with a tax life of less than 20 years is deductible threshold. Also, bundling your expenses in a given year and taking the via bonus depreciation. For qualifying property, taking the section 179 standard deduction in the next year may also be a strategy you wish to deduction may also be an option.

Timing: Consider deferring income and accelerating expenses at implement.

Capital Gains and Losses: Capital losses are limited to $3,000 year-end if you expect to be in the same or a lower tax bracket next per year or $1,500 if married filing separately. If you have significant year. If, however, you expect to be in a higher tax bracket next year, capital losses in 2019 or a carryover loss from a prior year, consider you may want to consider accelerating income into the current year in selling some investments at a gain before the end of the year to offset order for it to be taxed at a lower rate.

Qualified Business Income Deduction (QBID): New in 2018, those losses.

Gifting Securities: If you plan to utilize the annual gift exclusion this deduction allows for a 20% deduction for qualified business of $15,000 for 2019 to someone in a lower tax bracket, consider gifting income subject to various limitations. This deduction should certainly them appreciated securities rather than cash. If their taxable income is be considered in your year-end tax planning as many variables can less than $39,375 for single taxpayers or $78,750 for joint filers, they affect the amount of deduction you can take. Please consult your tax can take advantage of the 0% income tax rate on long-term capital gains. advisor regarding the calculation of this deduction.

Business Interest Expense: Also new in 2018, the TC&JA Charitable Gifting of Securities: If you plan to gift securities to your favorite charity, make sure you gift appreciated securities thereby implemented a limitation on the amount of business interest expense avoiding paying tax on the capital gains. If, however, you hold securities that can be deducted by some taxpayers. Luckily, most small businesses that have decreased in value, sell them first and then donate the cash so are exempt from this limit however for those that are not, the limitation is equal to the sum of the business interest income, 30% of adjusted that you can take advantage of the losses on your return.

Consider Converting to a Roth IRA: If you expect to be in the taxable income, and floor plan interest paid by certain vehicle dealers.

These are just a few items for you to consider before the end of the same or a higher tax bracket upon retirement, taking the tax hit now may be beneficial to avoid paying taxes on the income at retirement when year. Many other planning opportunities are also available, so now is a great time to think about year-end tax planning and consulting with you are in a higher tax bracket.

Consider Estate Planning: If you haven’t updated your estate your tax advisor. Happy Holidays! BBM plan since the passage of the Tax Cuts and Jobs Act (TC&JA), now is a great time to contact your trusted advisors to discuss if an update is Valerie J. Brauner, CPA, CGMA, is a Tax Manager at Akin, necessary. The TC&JA increased the unified federal estate and gift tax Doherty, Klein, & Feuge, P.C. (ADKF) with over 18 years of experience in accounting. She is a member of the AICPA, exemption to $11.4 million per person in 2019 and $11.58 million per TSCPA, and San Antonio CPA Society. She was also named person in 2020.

Young CPA of the Year in 2013 by the San Antonio CPA BUSINESSES Establish a Retirement Plan: If you don’t currently have an employer sponsored retirement plan, now may be the time to implement

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B oerne B usiness M onthly | December 2019

Society. She is a graduate of the University of NebraskaLincoln and enjoys living in the Texas Hill Country outside of Boerne. Valerie specializes in business consulting and tax planning for high-net worth individuals and closely held businesses.

COWBOY SLEEPWEAR!

The partners and staff at Akin, Doherty, Klein & Feuge wish you a very

Merry Christmas & Happy New Year CERTIFIED PUBLIC ACCOUNTANTS

accounting for your success, we are here for you

WWW.ADKF.COM | (830) 387-4441 | 616 E. BLANCO, STE 300E – BOERNE

Locally Owned and Operated

Cowboy Sleepwear for All Ages Vintage Western Premium Fabrics Domestic & International Shipping • Matching Sets • Original Pants • Low Rise Pants • Boxer Shorts • Nightshirts • T-shirts • Cow Kids Wear

INFANTS, YOUTH & ADULT SIZES NEW PLUS SIZES! NOW AVAILABLE IN 2X & 3X!

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December 2019 CALENDAR OF EVENTS

THROUGH DECEMBER 23 CHRISTMAS ON THE RANCH 6:00pm to 10:00pm every Thursday thru Sunday Don Strange Ranch 103 Waring Welfare Road – Boerne A $25 ticket allows you to take your vehicle through a trail of fun, dazzling light displays that leads to a warm sanctuary full of delicious food and holiday beverages, pictures with Santa Claus, fun holiday shopping with local vendors and more! $25 per car.

THROUGH DECEMBER 25 OLD WEST CHRISTMAS LIGHT FEST 6:00pm to 10:00pm Thursday- Sunday until Sunday Dec. 15th Every Night from Dec. 19-25 Enchanted Springs Ranch 242 Highway 46 W. – Boerne Filled with the magic of the season, Old West Christmas Light Fest brings the holidays to life with light displays and fun through an Old West town brimming with lights, live music, games, activities, food and fun at Enchanted Springs Ranch. $15 per person $45 for a season pass per person.

DECEMBER 3 GBCC RIBBON CUTTING FOR D1 TRAINING 11:30am to12:00pm 132 Old San Antonio Rd. – Boerne GBCC RIBBON CUTTING FOR KENDALL COUNTY DEMOCRATIC PARTY'S HEADQUARTERS 1:30pm to 2:00pm 518 E. Blanco Rd. – Boerne DECEMBER 5 GBCC RIBBON CUTTING FOR JOLI BOUTIQUE 11:30 AM - 12:00 PM 189 S. Main St. – Boerne DECEMBER 7 WHEELER’S CHRISTMAS EXTRAVAGANZA 11:00am to 3:00pm Wheeler’s Western Outfitters 32450 IH-10 W. – Boerne Enjoy hourly giveaways, pictures with Santa, snow sledding and MORE! THE CHRISTMAS TOWN 6:00pm to 9:00pm Vanguard Christian Institute 43360 I-10 – 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

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of Christ's birth, courtyard of lights including a 30-ft walk through Star of Bethlehem and an 18-ft suspended Angel Gabriel (Both built by the Vanguard Shop Class), an entire interactive area just for kids with a Gingerbread Forest of decorated trees and a 24 foot Gingerbread house, comfort foods, sweets and so much more. Enjoy the meaningful traditions of the season. Sit outdoors with free hot cocoa or coffee listening to Christmas music and sing along with Christmas carols! Snap a family holiday picture in the Christmas decor or the tunnel of lights and create memories to last a lifetime. Go home at the end of the night with renewed Christmas joy to spread the spirit of the season! Free Admission.

DECEMBER 9 KENDALL COUNTY COMMISSIONERS COURT 9:00am to 11:00am Kendall County Courthouse 201 E. San Antonio Ave. – Boerne

WEIHNACHTS PARADE 6:00pm Downtown Boerne The Weihnacht Parade is a long standing Boerne Christmas tradition. 2019 will be the 33rd anniversary. Up to 100 lit entries travel Main Street.

The parade is always on the first Saturday of December and starts at 6:00pm.The parade will travel North to South beginning at Frederick Street (by the Fire House) and will end at River Road.

GBCC RIBBON CUTTING FOR DISCOVERY VILLAGES AT DOMINION 3:30 PM - 4:00 PM 6870 Heuermann Rd. San Antonio,TX

DECEMBER 7-8 OMA’S CHRISTMAS CRAFT FAIR 9:00am to 5:00pm on Saturday 10:00am to 4:00pm on Sunday Kendall County Fairgrounds 1307 River Road – Boerne For more than 35 years. Oma’s Christmas Craft Fair has been a part of the Kendall County Fair Association! Vendors come to Oma’s Christmas Craft Fair to share their talents for arts and crafts!

Enjoy gift shopping, concessions, photos with Santa, and more! $5 Admission, 12 and Under Get In Free!

DECEMBER 8 BOERNE CONCERT BAND: CHRISTMAS CONCERT 6:00pm Boerne High School Auditorium 1 Greyhound Lane – Boerne The Boerne Concert Band is a non-profit organization providing a venue for local musicians to present popular music in concert for family oriented audiences to enjoy.This will be an evening of your favorite Christmas tunes, and it is a performance that is sure to warm your heart and put you in the holiday spirit! Free Admission.

B oerne B usiness M onthly | December 2019

DECEMBER 10 CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne DECEMBER 12 GBCC RIBBON CUTTING FOR BBVA BANK 11:30am to 12:00pm 1410 S. Main St. – Boerne

DECEMBER 14 SECOND SATURDAY AUTHOR SIGNING 11:00am to 1:00pm Patrick Heath Public Library Lobby 451 N. Main – Boerne The featured Second Saturday Author for December is Phyllis Clark Nichols. Phyllis resides in Boerne, and writes inspirational novels. Many of these are set around the Christmas holiday. Her latest novel is titled "Freedom of the Song." Phyllis will sign all of her novels on this date. Autographed books make great gifts!

DECEMBER 14-15 CHRISTMAS MARKET DAYS Saturday: 10:00am-5:00pm Sunday: 10:00am to 4:00pm Main Plaza | 100 North Main – Boerne Since 1850, Main Plaza has been a center point of trade for the people of Boerne. In the present day, on the second weekend of every month, Main Plaza is home to a magical outdoor market that blends the traditions of the Texas Hill Country with the creations of today’s culture. Hundreds of festive booths display everything from collectibles and remembrances of the past to modern innovations that will bring a smile of wonder to those who stroll past. Scrumptious food and captivating music top the experience and delight the senses.

DECEMBER 17 GBCC RIBBON CUTTING FOR SETH HANSON WITH ID LIFE 11:30am to 12:00pm Paramount Taekwondo Center 1415 E. Blanco Rd. – Boerne continued on page 14

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FOR SALE:

DURANGO RESERVE SHOWCASE HOME

3 bedrooms, 3.5 baths, approx. 2830 s.f. Custom features throughout! $674,500

Bluebonnet Realty JUDY FILINGERI ANGELA TURNER CAREY STEWART SUZANNE MCGINNIS OWNER

(830) 816-2288

BROKER

(210) 912-8221

ASSOCIATE

(210) 551-2883

ASSOCIATE

(830) 377-5227

Since 1989

Welcoming

BRETTE NICKELSON ASSOCIATE

(210) 213-8222

SALES, LISTINGS, INVESTMENTS, LEASING AND MANAGING.

(830) 816-2288 | BoerneTexasHomes.com

FOR SALE:

4 Foster Road

2.61 acres, approx. 2516 s.f. home with 4 bed, 2 baths, pool, views!

DURANGO RESERVE LOTS FOR SALE:

118 Chama Dr, Lot 16, 0.22 ac - $132,500.; 104 Ouray St., Lot 27, 0.54 ac - $142,750.

Other Lots Available.

FOR LEASE:

129 Cactus Flower

3 bed, 2.5 baths, approx. 2450 s.f. of living area. $2450

414 Oak Park

2 bed, 1 bath sweet cottage near Main St. $1495

101 Mustang Run

3 bed, 2.5 bath approx. 2320 s.f. in Herff Ranch.

Open floor plan, lots of light. Fenced yard. $2300

712 Alamo Road

VIEWS, VIEWS, VIEWS on this 3.6 Acres. $1300

DECEMBER 2019 CALENDAR OF EVENTS | cont’d DECEMBER 17 GBCC RIBBON CUTTING FOR SIMPLY SERIE PHOTOGRAPHY 1:30pm to 2:00pm 930 Blanco Rd., Ste. 400 – Boerne DECEMBER 19 BOERNE PERFORMING ARTS: CHRISTMAS WITH THE 5 BROWNS 7:30pm Boerne Champion High School Auditorium 201 Charger Boulevard – Boerne

THE 5 BROWNS are delivering on their dream to wake up classical music by introducing it to the widest, largest and most excited audience they can find. Whether performing individually or together in various combinations, these five siblings reveal a deep connection to the intent of their material while bringing a fresh energy and dynamic character to the color and tonal spectrum of their sound. One family, five pianos and 50 fingers add up to the biggest classical music sensation in years!

DECEMBER 21 WINTER SOLSTICE CELEBRATION CIRCLE 7:00pm to 9:00pm Cave Without A Name 325 Kreutzberg Road – Boerne Enjoy an eclectic concert of Holiday music celebrating the Winter Solstice, combining contemporary arrangements of traditional carols, soaring vocals, original acoustic music and pulsing World-beat rhythms, performed on a mixture of ancient and modern instruments. $25 before 5:00pm day of show or $30 at the door.

DECEMBER 21-22 COWBOY CHRISTMAS MARKET DAYS Saturday: 10:00am-5:00pm; Sunday: 10:00am-4:00pm Main Plaza | 100 North Main – Boerne Finish your last second Christmas shopping at the Cowboy Christmas Market Days! Hundreds of festive booths display everything from collectibles and remembrances of the past to modern innovations that will bring a smile of wonder to those who stroll past. Scrumptious food and captivating music top the experience and delight the senses.

sonorabank.com

DECEMBER 25 MERRY CHRISTMAS! DECEMBER 28 CONCERT IN THE CAVE - GLI UNICI 7:00pm Cave Without A Name 325 Kreutzberg Road – Boerne Reminisce 2019 and look forward to 2020 with a fantastic evening as three talented tenors, "Gli Unici," delight you with songs from Broadway to opera, and many genres in between. Donald Braswell II, William Chapman, and Timothy Birt have traveled around the country and toured in Mexico, to sold-out audiences everywhere! $30 in advance, $35 at the door.

DECEMBER 31 NEW YEAR’S EVE NEW YEAR'S EVE DANCE Doors open at 7:30pm, band begins at 8:00pm Kendall County Fairgrounds 1307 River Road – Boerne Celebrate the New Year at the the Kendall County Fairgrounds this year at the New Year's Eve Dance. Music will be by the Britt Ballenger Band.

Co-sponsored by the Kendall County 4-H and the Kendall County Fair Association.Table sponsorship will be available too! Beer, wine and set ups will be available. Bring your own snacks for your table.Tickets available at the Kendall County 4-H office or online at www.kcfa.org.

Adults over 18 - $20 18 & Under - $10 BBM

MERRY F ROM YO U R F R I E NDS AT S ONOR A B ANK Member

FDIC B O E R N E | B U LV E R D E | W I M B E R L E Y | S A N A N G E L O | S O N O R A

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B oerne B usiness M onthly | December 2019

Send Your Calendar of Events Submissions to lauren@distinct-graphics.com

Ron Warden

Allyson Munsell

1580 S. Main Street, Ste. 104 Boerne, Texas 78006 830-249-8286

1011 S Main Street Boerne, Texas 78006 830-249-2748

Financial Advisor

Financial Advisor

www.edwardjones.com Member SIPC MKT-9811A-A

1499 S. Main Street – Boerne | 830.331.1391 ( next to the Dog & Pony Grill )

C

philanthropy

Outdoor Amphitheater at Herff Farm Thanks to Major Gift from Philanthropist Susan Naylor

Construction of a new outdoor amphitheater at the Cibolo Nature Center & Farm’s (CNC&F) new Learning Village at the Herff Farm campus (33 Herff Road, Boerne) has begun. Thanks to a generous gift by Susan Naylor and the Will Smith Foundation, the new feature will be named The Will Smith Amphitheater in memory of her late son, Will, who died in a tragic car accident at the age of eight in 2007.

According to Naylor, “Will's generosity and love of life inspired the creation of The Will Smith Foundation to continue his benevolence. Even though Will is not physically with us any more, his kind and giving spirit will continue to fill the hearts and enrich the lives of many.”

Naylor’s gift to the Cibolo Nature Center & Farm is just one of the many philanthropic efforts she has put into place in memory of her two sons, Will and Charlie. “I fell in love with the Cibolo Nature Center & Farm immediately, and it fit where my boys’ hearts were, so it was really important for me to find a way to be involved,” said Naylor about supporting the campaign and amphitheater project.

The Will Smith Amphitheater will be a part of the Cibolo Nature School & Learning Village that will also include: • Four classroom cottages with screened-in porch “mud rooms” for the expanded Nature School • Welcome Center with offices and teacher enrichment space • Community Auditorium • Restored Historic Barn • Event Lawn • Hidden Forest Play Area

www.willsmithfoundation.org Agave Design Studio in Boerne will be constructing the project. www.bradylawn.com BBM boernebusinessmonthly.com

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cover feature

T

There is something a bit nostalgic about a pair of Cowboy Pajamas.

Maybe they bring back fun childhood memories or perhaps just make you feel like you are part of the Wild West. Whatever it may be, you can’t deny there is something special about the Original Cowboy Pajamas.

“Customers are not just locals, they are international as well,” said Lynnette Furr, owner of Cowboy Pajamas. “There is a demand for them, especially from Canada, New Zealand, the United Kingdom and Australia.” Furr is constantly taking online orders and shipping them overseas. “I work from my home and the pajamas are not available at a retail location, so you will often find me meeting

Pajamas to Bring Out the Cowboy in Us All foreign tourists who call and just have to have a pair or two of these Cowboy Pajamas to take back home with them!”

In addition to tourists, these high-quality pajamas make for great presents. According to Furr, “We sell to people that want to give them as gifts to their family and friends. Recently we had a bride that gifted all of her bridesmaids a set of Cowboy Pajamas for being in her wedding. The picture of all of them together in the pajamas has gone viral on social media and now this is a fun new wedding trend!” Furr credits social media for being very instrumental in the level of popularity of Cowboy Pajamas.

One look at a pair of these Cowboy Pajamas and it is easy to

pictured above: Owner of the Original Cowboy Pajamas, Lynnette Furr in the newest fabric choice, Roping Ranch Chambray. Photo by Ron Pritchett

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B oerne B usiness M onthly | December 2019

see why they are so popular. They are beautifully sewn and include fine details such as custom buttons and soft, suede-like logo patches. “Our prints are exclusive. These vintage western fabrics are very hard to come by which makes our pajamas unique. We even sell the fabric by the yard or bolt for people that might want to make things like window coverings, shower curtains and quilts and blankets,” said Lynnette.

Furr, whose ancestors were among some of the first to settle in the Kendall County area, bought the Original Cowboy Pajamas business from another local Boerne couple, Dean and Susan, in March of 2011. Since that time, Lynnette has grown the business by expanding the line and offering a greater selection of merchandise. According to Lynnette, “When I purchased the business it only offered the original pants and the logo t-shirts.

The first item I added was the Matching Set, there were a lot of requests to have a shirt that matched the pants so I came up with the pattern for that and we began producing those which are one of our biggest sellers. After that we added the Cow Kids wear,

which are equally as popular!

Then came the Boxer Shorts and eventually we began selling the women’s Low Rise Pants and ladies Nightshirts. We also added the extended sizing. Our pajamas now range in size from 6 months of age all the way to a 3XL.” Furr is very proud of the fact that all of the pajamas are made right here in Texas. In fact, the majority of the line is sewn in downtown San Antonio and Lynnette sews the ladies Low Rise Pants and the Cow Kids wear herself at her home here in Boerne.

“Sewing is in my blood. My great great great grandfather on mother’s side of the family that immigrated to Boerne was a professional tailor in Germany.

My great grandmother specialized in custom sewing for plus sized women, who had a hard time finding clothing in their size at that time. My mother made all of our clothes when we were kids too. Our dresses, nylon slips, school clothes and even bathing suits!”

Furr received her first sewing machine from her mother when

she was about 8 years old. “I have been happily sewing ever since,” she said with a smile.

Lynnette also gets a helping hand from her family as well.

Both of her sisters, Donna and Karyl, help her sew and her children, Sterling and Suade, assist her in the office during the holiday season when business is at its peak! Families all wearing Cowboy Pajamas make for great Christmas photos!

The pajamas come in a variety of different fabrics to fit every p e r s o n a l i t y.

With fun themes and an array of colors its hard to choose just one! The newest fabric choice is the Roping Ranch Chambray, but there are plenty of others to choose from such as the Red Vintage Cowgirl, Better on the Farm, Home on the Range and Ropin’ n Ridin’ Black just to name a few.

Cowboy Pajamas also made their Hollywood Debut on November 14, 2014 when Jim Carrey wore the Matching Pajama Set in the “Home on the Range” print during the first continued on page 18

Bridal Party in their Cowboy Pajamas! boernebusinessmonthly.com

17

racehorses and her children rodeo as well. “This has always been a way of life for me and my family, I love continuing that tradition through the Cowboy Pajamas.” Whether you’ve been bustin’ broncs or tradin’ stocks, you’ll rest easy in these classy, comfortable pajamas. BBM

Get your own pair of the Original Cowboy Pajamas at COWBOYPAJAMAS.COM Cow Kids Wear

Cowboy Pajamas is also on Facebook, Instagram & Twitter!

continued from page 17

f eo lov s ! e or Th rr ’ t T: Fu re a ta i l C n g FA is i 3x as a N FU w i n g H er er w e s o d! fath bl o a n d gr

scene of Dumb and Dumber To! “It was so exciting to see our pajamas on the big screen,” said Lynnette. “They said that Jim Carrey is a big pajama guy and ordered him six pairs for the filming of the movie. I was just so thrilled when they were in the opening scene of the movie too!” You will also find them in numerous television sitcoms, plays and company commercials.

Furr is no stranger to the western way of life either. Growing up, her father trained

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B oerne B usiness M onthly | December 2019

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According to the National Association of Realtors' latest report, housing sales through Multiple Listing Services rebounded across the nation in October, rising 4.6 percent year over year. Texas doubled that growth amid robust economic activity.

Researchers from the Real Estate Center at Texas A&M University said last year's combination of rising interest rates and falling oil prices stalled the housing market, setting the stage for the positive reading. Despite these base-year effects, the current trend points steadily upward.

Texas sales surpassed a monthly high after accounting for seasonal factors and are projected to close the year up around 3.2 percent annually, while national sales look to be slightly below 2018 levels.

Lower mortgage rates may encourage buyer activity into the holidays. ​ Nationally, exsiting-home sales rose 1.9 percent over the month in October.

The median existing-home price for all housing types was $270,900.

Existing-home sales in the South (the region that includes Texas) increased 4.4 percent to an annual rate of 2.35 million in October, up 7.8 percent from a year ago. The median price in the South was $234,900, a 6 percent yearly increase.​BBM Courtesy of Real Estate Center Online News & National Association of Realtors

boernebusinessmonthly.com

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giving back

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The GVTC Foundation’s Thanksgiving Giveback Project Delivers 314 Meals this Year Over the span of 7 years, this project has helped benefit 1,213 families Recognizing need in our own backyard

Once again, the holidays have snuck up on us faster than anticipated, and while some of us are excited to put salads and swimsuits behind us to make room for pie, many families in our Texas Hill Country community are impacted by the ever-rising cost of food this

holiday season. Food insecurity in our backyard is growing but, thankfully, so is the generosity of community members who combat it.

For 7 years, The GVTC Foundation, GVTC’s employee-driven philanthropic arm, has dedicated its time each fall to partner with local nonprofits and youth organizations to bridge the local food gap. They host an annual Thanksgiving Giveback Project where they supply Thanksgiving meals including a full frozen turkey and all the traditional fixings to those in need throughout GVTC’s service area. It’s an all-hands-on-deck community effort that blows us away each year.

Local nonprofits we partner with This project wouldn’t be possible without the i-n-c-r-e-d-i-b-l-e support received from GVTC employee volunteers, local groups, and donors alike. First, The GVTC Foundation partners with local food pantries who supply the family names of those to deliver to.

Then, they work with local organizations including school groups, churches, and businesses from September to November to raise food items and monetary donations needed for each Thanksgiving meal. And last, GVTC employee volunteers and their families personally pack and deliver all meals to needing families.

This year, they partnered with 10 food pantries and 23 local organizations for this Thanksgiving Giveback Project, all of whom broke records with their fundraising pledges.

Local Food Pantries included: Hope Center Habitat for Safe Seniors Helping Hands CRRC of Canyon Lake Hill Country Daily Bread Ministries Provisions Outreach of Bulverde Meals on Wheels (Bulverde Spring Brand Food Pantry) Blanco Good Samaritan Center Gonzales Christian Assistance Ministries Hill Country Family Services Local Organizations included: Betrayed Motorcycle Club Blanco High School Honor Society Boerne Champion Choir Boerne Community Theatre Boerne Rotary Boerne Wild Game Dinner Boerne YMCA Brookshire Brothers Bulverde 4 H Canyon Lake High School Student Council Fabra Elementary Student Council (Boerne)

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B oerne B usiness M onthly | December 2019

Gonzales High School (Apache Flames) Gonzales High School (Food Prep) H-E-B Living Rock Academy Rock Bottom Auto Repair Shepherd of the Hills (S.W.A.T.) Smithson Valley High FACS Sonora Bank Startzville VFW STEPS of New Braunfels/Faith Alive Church Taylor Lewis (O’Connor HS) Wal-Mart Who benefits from the Thanksgiving Giveback Project By teaming up with local food pantries, The GVTC Foundation is able to identify families truly in need within the GVTC service area, which encompasses all of Boerne, Canyon Lake, Bulverde, Spring Branch, Blanco, New Braunfels, and Gonzales. Last year, The GVTC Foundation delivered 277 meals to families in need. And this year - going back to their partners’ record-breaking pledges - GVTC surpassed that 2018 record by providing 314 Thanksgiving meals to fellow neighbors, delivered by over 140 GVTC employees volunteers and their families.

Since it’s inception, the Thanksgiving Giveback Project has helped benefit 1,213 families in total, and it’s all thanks to the GVTC employees and the generous, caring partners that make up these great local organizations. If you wish to learn more about The GVTC Foundation and how you can get involved in community outreach efforts, email info@thegvtcfoundation.com or visit thegvtcfoundation.com. BBM

GVTC employee volunteers, their families and local businesses on Thanksgiving meal delivery day

boernebusinessmonthly.com

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youth

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Don’t miss the chance to support the youth of Kendall County in a big way! This year’s Kendall County Junior Livestock Show begins on Sunday January 5th with the Poultry and Ag Mechanics Show. The Market Lamb, Goat, Steer and Hog Show is on Friday, January 10th. The Sale will take place on January 11th.

Created in 1939, the Kendall County Junior Livestock Association has focused on promoting youth involvement with agriculture, all the while helping to further their education. According to President of the KCJLA Board, Chad Upham, “the core values of this association are to give kids the opportunity to be involved and exposed to agriculture. It is something they can do together with their family, while giving them an opportunity to further their education.”

One of the many ways that KCJLA supports the youth of Kendall County is to host the annual Kendall County Jr. Livestock Show and Sale. “The proceeds from the sale go directly to the kids. That is our primary way of giving back to these kids and back to the community,” Upham said. The Livestock Show and Sale allows the youth of Kendall

County who have spent time and effort caring for an animal project to have the opportunity to show and the sell that animal. “It is our hope that they use the money they get from the sale to continue their projects and save for college, vocational school or whatever higher education they pursue after high school,” Upham said. “I love the stock show, because we get to see the kids participate, and the sale because we get to see the community as a whole come together to support these kids in one day.”

Last year, the Livestock Show and Sale was able to raise over 1.4 million dollars for our local youth. This contribution to the youth is due to the thousands of community members and businesses supporting the sale and cheering on the young participants. Upham remarked on this, “It is truly amazing to watch the families and business community of Kendall County come together on one day and do that.” BBM

TO LEARN MORE HOW YOU OR YOUR BUSINESS CAN GET INVOLVED, VISIT KCJLA.ORG.

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B oerne B usiness M onthly | December 2019

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ribbon cuttings

Greater Boerne Chamber of Commerce November 2019 Ribbon Cuttings

Traditions at the Depot We had a blast getting to celebrate Traditions at the Depot with a ribbon cutting last week! Traditions at the Depot is an upscale boutique in downtown Boerne, nestled on the banks of the Cibolo Creek. Stop by and shop for the latest fashions, jewelry, accessories, shoes and gifts. Traditions at the Depot’s owners Heather & Howie Thomas and their friendly staff will make your visit enjoyable, stop by and visit them at 518 S. Main St. You can also like and follow their Facebook page facebook.com/Traditions-at-the-Depot-110104722353030!

Schlotzsky’s in Boerne We were so excited to officially welcome Schlotzsky’s (Boerne, TX) new location in Boerne into our Chamber with a ribbon cutting this morning!

Schlotzskys, which was founded in 1971 in Austin, Texas and came to the Texas Hill Country this past July to their new location in Boerne. Schlotzskys has been based on a single, eight-inch, round sandwich simply called The Original since 1971 but they now offer a wide variety of sandwiches, soups, salads, flatbreads, pizzas and more. Located at 1445 S Main St Suite 100.

Kendall County Junior Livestock Association Yesterday we got to welcome the Kendall County Junior Livestock Association into our Chamber with a ribbon cutting! The mission of the Kendall County Junior Livestock Association is to encourage young men and women to become future farmers and ranchers through educational experiences in livestock production, as well as hold an annual livestock show and sale to benefit youth to advance their higher education. You can find out more information about the Kendall County Junior Livestock Association by contacting President Chad Upham and visit their website at https://www. kcjla.org as well as more about how you can get involved and help our 4-H and FFA kids in Kendall County!

Texas Finial Congratulations Texas Finial on your ribbon cutting and welcome to the Chamber! Texas Finial is an architectural and decorative hardware showroom located at 341 Water Street in Kerrville, Texas. Texas Finial has the largest selection of door, cabinet and bath hardware on display, they provide attention to detail and budget, and provide a uniquely casual atmosphere. Texas Finial is family owned and operated by Brandon & Clarissa Aery and Patty Hatch which has evolved to showcase and provide a full array of architectural hardware options for any home style. Stop by and see them today or check out their website at texasfinial.com!

The Pharmacy at Bergheim The Pharmacy at Bergheim has reinvented retail medicine with their personalized and unique services. Walk in and experience an environment where medicine elegantly meets Luxury concierge service unlike any other pharmacy. Get your prescriptions filled, pack and ship your packages at their mailing center, get your prints, keys, and signs made, plan your next meeting in their conference room, all while enjoying the sandwich and juice bar as well. Visit The Pharmacy at Bergheim at 1 FM 3351, Ste. 115 Boerne, online thepharmacyatbergheim.com or call them at (830) 336-2282.

INSURICA INSURICA is an independent insurance agency that specializes in core industries. Sheila Seidensticker and Yousef Foteh deal with all types of insurance related to Commercial Insurance, Employee Benefits, Personal Insurance, Executive Liability, Surety/Bonds, and Client Services. Their unique structure provides INSURICA customers with unparalleled access to the best coverage and all delivered locally. Please contact them at (210) 5250500 or online insurica.com for all of your insurance needs!

Supercuts Supercuts is a Veteran owned business in Boerne, Texas which prides themselves on quality service and relationships with their customers.

Supercuts’ Owner Rochelle Green provides a range of services between haircuts, color services, and waxing for women, men and children.

Supercuts is located at 1445 S Main street, Suite 110, open 7 days a week from 9 a.m. to 7 p.m., and you can contact them at (830) 331-8005 or visit them online supercuts.com.

Safeguard Business System/Texas Premier At Safeguard Business Systems/ Texas Premier, they offer many resources to improve your day-to-day operational business challenges so that your team is more productive. Justin Wagner and his staff provide services to help companies grow through promotional items, widgets, custom logo branded apparel, and any custom print for business cards, flyers, banners, etc.

Safeguard’s deep expertise in marketing uses a one-of-a-kind approach in taking your competitive uniqueness into the marketplace. Contact Justin for all your marketing collateral needs at (404) 402-1109 or online txpsg.com.

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B oerne B usiness M onthly | December 2019

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scholarship

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The GVTC Foundation Donates $30K to Local Philanthropist

Each year, The GVTC Foundation is blown away by how active and supportive those in GVTC’s service area are. Due to its local roots, The Foundation has a unique opportunity to help foster even more involvement in community outreach programs through charitable contributions. This year, one very special young philanthropist, Hunter Beaton, applied for and was awarded a scholarship for his academic achievements, extensive volunteer work, and passion for kids.

A recent graduate from Boerne High School, Hunter was awarded The GVTC Foundation’s $20,000 Ola Armstrong Scholarship. He now attends The University of Texas at Austin where he plans to major in Public Policy in order to transition into public administration and become a positive force in community policy change. Hunter earned the scholarship for his impressive academics and involvement with foster children. After years of his family fostering numerous children, Hunter saw a need in the foster care system and decided to create his very own nonprofit, Day 1 Bags, to provide backpacks to children on their first day at a new foster home.

Day 1 Bags quickly grew to support foster children across the U.S. and today provides thousands of backpacks filled with necessities as kids adjust to their new surroundings.

Hunter found that the backpacks not only helped kids protect their belongings, but they also filled kids with confidence and a sense of personal ownership.

As Hunter went off to UT, he continued to put his whole heart into Day 1 Bags as the need for backpacks grew. Hunter applied for a GVTC Foundation grant, and due to the nonprofits’ meaningful and impactful work here locally, The Foundation awarded him $10,000 to help support Day 1 Bags’ work.

The GVTC Foundation is proud to support efforts in the community like Hunter Beaton’s. If you are interested in learning more about The GVTC Foundation and their grant process, visit https://gvtc.com/gvtc-foundation/grants.

ABOUT GVTC: GVTC is an awardwinning fiber optics communications provider delivering high-speed Internet, digital cable TV, phone and interactive home security monitoring to residential and business customers in far north San Antonio, the Texas Hill Country and SouthCentral Texas. GVTC offers Internet connection speeds up to 1 Gbps and symmetrical broadband connections, up to 250 Mbps.

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B oerne B usiness M onthly | December 2019

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travel

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TURN TO THE LOCAL TRAVEL EXPERTS TO PLAN THE PERFECT GETAWAY!

Whether you are looking to head out on an exotic getaway or just plan a fun day out touring the hill country wineries, Boerne Travel has you covered!

Owner of Boerne Travel, Alissa Dent, loves to travel and explore! “I started traveling with my parents all over the United States at a young age. My father owned a trucking company and I can say that I have pretty much been to all of the states,” said Dent.

These days, Alissa and her family travel to the Carribean and Riviera Maya quite often. “We love to smell the fresh, clear blue sea and like the feel of powdered white sand between our toes,” added Alissa.

Dent, who also owns Sea2Shore Travel, specializes in tropical vacations and custom European trips. “I love planning my clients’ destination weddings and honeymoons too,” added Dent.

Boerne Travel is a full-service travel agency that books their clients for all-inclusive vacations, cruises, luxury resorts, European tours, river cruises and more. “We work with over 200 suppliers, including, Apple Vacations, Funjet, Sandals, and Beaches, to give you the lowest prices and best deals out there. When using our services, you get personal service like no other travel agency. If you're from out of the area, we can still work with you to secure your vacation plans,” added Dent. Boerne Travel also offers low deposits, payment plans, price match, *no booking fee.

“We value our clients and know that they have a choice when booking their vacation so we

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always go above and beyond to meet their needs and secure the best vacation possible for them.”

According to Alissa, “There are many benefits to booking your vacation through a travel agent. We actually do tour the properties that we are booking your vacations at and we can often secure better rooms or special upgrades for our clients that they might not even know are available.”

Boerne Travel has also recently expanded their offerings to include hill country wine tours, private transportation services and transportation to and from the San Antonio airport. They are also actively seeking new agents to join their team!

Dent added, “I love my job and could not ask not ask for anything else better than to be a travel agent. My goal is to help my clients plan the best vacation and make memories last a lifetime.”BBM

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health

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by Desiree Whitney

We all know the importance of keeping your body and mind balanced.

However, did you know that by applying the principles of Ayurveda you can help to keep your body nourished as well? Ayurveda offers a logical approach for determining a correct diet based upon an individual's constitution. So, if you seek harmony, peace, and longevity, Ayurvedic principles can help you achieve those goals.

The practice of Ayurveda is designed to promote happiness, health, and productive growth. Ayurveda actually means the science of life, or more accurately, it translates from Sanskrit to "life knowing." By applying some of the basic tenants of this 5,000-year-old healing system, you can achieve good health and longevity.

To understand what to eat, you first have to determine your constitution. In Ayurveda, your dosha describes your body's composition. The doshas are biological energies found throughout the body and mind. They govern all physical and mental processes and provide your blueprint for health and fulfillment. As one creates a doshic balance through dietary changes, the development of health will follow. Understanding your individual nature will help guide you toward what to eat.

There are three main doshas, and then there seven possible combinations. Numerous questionnaires can be found online to help you identify your correct dosha. I like the dosha test at www. banyontreebotanticals.com. Also, know that while one dosha may be a bit more prominent, many people can be dual doshic, and some are even tridoshic. As a general rule to attain balance, you should pay the most attention to your primary dosha.

For example, a person with Vata predominant in their constitution is blessed with a quick mind, flexibility, and creative resources. Vata is

generally associated with the attribute of motion. The primary purpose of dietary therapy for Vata is to ground or stabilize movement. On a seasonal basis, Vata is most prominent in the fall, and this is the most critical time to attend to your diet.

TO BALANCE VATA: 1. Keep warm. 2. Choose warming foods and spices. 3. Avoid extreme cold, and cold or frozen foods and drinks.

4. Minimize your intake of raw foods. 5. Make sure your diet is warm, moist, and well lubricated with oil or butter. 6. Emphasize sweet, sour, and salty tastes in your food choices.

The person with Pitta dominant in their constitution is blessed with a strong will and good digestive fire. The attributes of Pitta are oily, hot, light, and liquid. Any of these qualities in excess can imbalance a Pitta.

Their opposites will calm it. Summer and high noon are the times when a Pitta person will most likely encounter feelings of discontent.

TO BALANCE PITTA: 1. Keep cool. 2. Avoid excess heat, steam, and humidity. 3. Avoid excess oils, fried foods, caffeine, salt, alcohol, red meat, and hot spices. 4. Emphasize fresh fruits and vegetables. 5.

Enjoy ample amounts of milk, cottage cheese, and whole grains. 6.

Emphasize sweet, bitter, and astringent tastes in your food choices.

People with Kapha preeminent in their constitution are blessed with strength, endurance, and stamina. The attribute of Kapha is stability.

However, Kaphas need to move, especially in Winter. Otherwise, they could get seduced into slipping into a horizontal lifestyle in front of the TV with their favorite edible goodies.

TO BALANCE KAPHA: 1. Get plenty of physical activity. 2.

Keep your consumption of fat to a minimum, including fried foods.

3. Avoid iced foods and drinks, sweets, and excessive amounts of bread. 4. Choose warm meals and light. 5. Emphasize pungent, bitter,

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COMMERCIAL ~ RANCHES ~ RESIDENTIAL PROPERTIES B oerne B usiness M onthly | December 2019

and astringent tastes in your food and herb choices. 6. Luxuriate in fresh vegetables, herbs, and spices.

Please keep in mind, when you are out of balance, you will crave foods that throw you further out of balance. This is the time to be especially mindful of your food choices. For example, when a Vata dominant person is on a plane, instead of eating pretzels and soda, which will make you feel even less grounded due to the salt and air bubbles. Instead, choose the cookie and water to counteract the untethered feeling of flying.

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early symptoms of imbalance by dosha

VATA – Anxiety, confusion, constipation, and gas PITTA – Irritability, alternating dry and loose stools, pressure or heat above the neck; KAPHA – Sluggishness, congestion, bloating Finally, the guidelines listed below are from the book, Eat* Taste* Heal, An Ayurvedic Guidebook and Cookbook for Modern Living, and are helpful strategies for all doshas.

10 TIPS FOR HOW TO EAT HEALTHFULLY • Choose to eat in a quiet, settled atmosphere • Offer a blessing or a simple thought of gratitude before eating • Only eat when you are hungry • Wait until the previous meal is digested before eating again • Chew your food thoroughly and eat at a moderate pace • Eat to the point of comfort • Postpone eating if you are upset • Always sit down to eat • Eat around the same time each day • Rest for a few minutes after each meal Whether you are healthy, facing medical or dietary challenges, or simply sense that you could feel better than you do now, Ayurveda has the power to transform and inspire your life.

For more information about your dosha or how to create a more balanced Ayurvedic/ Yogic regime, please contact desiree@ boerneyoga.com. BBM Desiree Whitney, is a Yoga Alliance RYT 500 yoga instructor, ayurvedic yoga specialist, and founding owner of Boerne Yoga. A yoga studio that offers Aerial Yoga,Yin Yoga, Restorative, Meditation, Sound Baths, Bungee Fitness and innovative private yoga therapy..

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29

finances

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Use Year-end Bonus (or Gift) Wisely

As 2019 draws to a close, you may be anticipating – or have already received – a year-end bonus from your employer. Or you might be receiving a substantial cash gift for the holidays. (If you’re really lucky, you might get both.) You can doubtlessly think of many ways to spend this money right now, but how can you use it to help yourself in the long run?

Here are a few suggestions: PAY OFF SOME DEBTS. Virtually all of us carry some type of debt, and that’s not necessarily a bad thing. For example, your mortgage not only gives you a place to live and a chance to build equity in your home, but the interest payments are typically tax deductible. Other debts, though, such as those on consumer items, are not so positive – you generally can’t deduct the interest payments, and the items themselves probably won’t enhance your personal wealth. Plus, the bigger your monthly debt payments, the less you’ll have to invest for your future. So, you might want to use your bonus or monetary gift to pay off, or at least pay down, some of your less productive debts.

START AN EMERGENCY FUND. If you were to face a large, unexpected expense, such as the need for a new furnace or a major car repair, how would you pay for it? If you didn’t have the cash on hand, you might be forced to dip in to your long-term investments, such as your stocks and mutual funds. A much better option is to build an emergency fund, containing six to 12 months’ worth of living expenses, with the money kept in a liquid, low-risk account. It will take time to build such a fund, of course, but your year-end bonus or gift money could give you a good start.

CONTRIBUTE TO YOUR IRA. You can put in up to $6,000 to your IRA, or $7,000 if you’re 50 or older. And although you’ve got until April 15, 2020, to fully fund your IRA for the 2019 tax year, you still might want to put your “extra” money into your account right

away. If you wait, you’ll probably find other uses for this money. And if you’re going to enjoy a comfortable retirement, you’ll need to maximize every possible resource – and your IRA is one of your best ones. Furthermore, the sooner you get the money into your IRA, the more potential it will have to grow over time.

FEED YOUR COLLEGE FUND. If you’re already contributing to a college fund for your young children or grandchildren, you can use your year-end bonus or monetary gift to add to the fund. If you haven’t already started such an account, you might want to use this money for that purpose. You could open a 529 plan, which provides possible tax benefits and gives you control of the funds until it’s time for them to be used for college or some type of vocational school. (Depending on where you live, you might also get tax benefits from your state if you use a 529 savings plan to pay for K-12 expenses.)

To achieve all your financial goals, you’ll need to take advantage of your opportunities – and your year-end bonus or monetary gift can certainly be one of them. BBM

Ron Warden is a Financial Advisor with Edward Jones.

1580 S. Main Street, Ste. 104 Boerne, Texas 78006 830-249-8286 This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

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