Boerne Business Monthly - February 2017

Volume 9, Issue 8: February 2017

HELPING BRIDES FIND THE WEDDING GOWN OF THEIR DREAMS

+

TEXAS INVESTORS TITLE: A David vs. Goliath Success Stor y HARD INVESTMENT LESSONS LEARNED IN 2016 LOCAL NEWS & INFO

Boerne is wired

for home. for school. for business. for healthcare. for safety. for life.

As part of the GVTC GigaRegion®, Boerne is wired with an extensive network of fiber optics connecting home, business and city agencies with the ultimate technology. It’s blazing fast. It’s revolutionary.

gvtc.com/gigaregion

www.eggersscapital.com 114 E. Highland Boerne, Texas 78006

210.526.0057

1.888.511.1211

Eggerss Capital Management (ECM) is a fee-only Registered Investment Advisory firm specializing in financial planning and wealth management for individuals and institutions.

Stocks

Bonds

ETFs

Mutual Funds

Alternative Investments boernebusinessmonthly.com

3

I

publisher's note It’s February and love is in the air! Did you know that over 40% of engagements happen between November and February during the holiday season? And of course, Valentine’s Day can take credit for a large chunk of those proposals! With that being said we figured February would be a fanpublisher LAUREN TUTTLE STUMBERG director of sales & marketing RUSTY MEADOR art direction DISTINCT MEDIA, LLC for more information 210.219.6735 LAUREN@DISTINCT-GRAPHICS.COM

tastic time to feature Liv and Love Bridal. Check out the article starting on page 16.

Also in this issue we feature Texas Investors Title.

This local business proves that big business can happen in Boerne! Check it out on page 8.

We have an article from Mayor Mike Schultz where he catches us up on what’s going on with the City in 2017, Karl Eggerss of Eggerss Capital Management shares some hard investment lessons many learned in 2016, Gabriel Delgado catches us up on some local art news and so much more!

I hope you enjoy this February issue of BBM!

Lauren Stumberg Publisher

WWW.BOERNEBUSINESSMONTHLY.COM

Cover Photo by Lara Champion

Exceptional, individualized personal service. It’s what a place as unique as Boerne should expect from a bank. the jefferson bank — boerne financial team 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 bankers is right here in Boerne ready to assist you.

Julia Garza

Todd M. Schneider

Justin Boerner

Vice President Banking Center Manager Direct Dial: (830) 816-6310 jgarza@jeffersonbank.com

Vice President, Residential Mortgage Lending Direct Dial: (830) 816-6305 tschneider@jeffersonbank.com

Vice President, Commercial Lending Officer Direct Dial: (830) 816-6306 jboerner@jeffersonbank.com

NMLS# 812337

NMLS# 580478

Beca Short

Tori Sherrill

Vice President, Residential Mortgage Lending Direct Dial: (830) 816-6322 bshort@jeffersonbank.com

Banking Service Manager Direct Dial: (830) 816-6302 tsherrill@jeffersonbank.com

Susan (Susie) Allen Senior Vice President, Commercial Lending Officer Direct Dial: (830) 816-6301 sallen@jeffersonbank.com NMLS# 797064

NMLS# 643777

JeffersonBank.com • (830) 816-6300 • 371 North Main • Boerne, TX 78006 Wealth Management and Insurance products are: Not FDIC Insured • Not a deposit • Not insured by any federal government agency • Not bank guaranteed • May lose value

4

B oerne B usiness M onthly | February 2017

This is personal to us.

NMLS ID 597833

Our Full Service Real Estate Legal Team is Here for You! Competence & Integrity

Allen & Associates, L.L.P A Real Estate and Energy Law Practice

www.allenlawllp.com

Practicing in: Texas • Oklahoma • Colorado • Ohio • Utah • Wyoming • Pennsylvania • Kansas • Kentucky • Arkansas • North Dakota

B.R. “Randy” Allen, III Attorney/Escrow Officer

Tyler Flynn

Attorney/Escrow Officer

Brian Clepp

Attorney/Escrow Officer

Alamo Title Company Fee Office

alamotitleboerne@allenlawllp.com Title Office: (830) 357-5088 Law Office: (830) 443-4900 Alana Logue

Escrow Officer

12 Upper Balcones Rd. Boerne, Texas 78006

Cathy Spain boernebusinessmonthly.com

5

Business Development Director

contents

February 2017

Accounting for your

SUCCESS

WE ARE HERE FOR YOU

Our Services Taxes

08:

Audits

Texas Investors Title: A David vs. Goliath Success Story

by Joseph Lilli

10:

from the mayor

14:

health

Bookkeeping

Consulting 616 E. Blanco, Suite 300e, Boerne, TX 78006 | 830-815-1100

feature

Welcome to 2017: A New Year, A New Focus Six Recommended Tests for the New Year courtesy of Any Lab Test Now

16:

cover feature Liv & Love Bridal: Helping Brides Find the Wedding Gown of Their Dreams

by Joseph Lilli

21:

TECHNOLOGY YOU EXPECT FROM A BIG BANK. SERVICE YOU DON’T.

(830) 249-6663

Creative Economy

by Gabriel Diego Delgado

23:

giving back

24:

wellbeing

We’re here with online banking, mobile banking, 1,200+ ATMs and a banker that answers the phone when you call.

frostbank.com

art

Local Nonprofits to Benefit from The GVTC Foundation Employee Pledge Drive Intermittent Fasting: Melt Fat, Gain Muscle & Boost Your Brain

by Dr. Michael Garcia, D.C.

26:

ribbon cuttings

28:

finances Hard Investment Lessons Learned in 2016

by Karl Eggerss, Eggerss Capital Management

facebook.com/boernebusinessmonthly MEMBER FDIC

6

B oerne B usiness M onthly | February 2017

Boerne Business Monthly is published by Distinct Media, LLC, copyright 2017. 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.

Tu e s day -Satur day 10:00 AM - 5:00 PM 25035 W I-10 Suite 102, San Antonio, Texas 78257 (210) 698-7373 | ( 210) 262-1703

www.li v l oveb r i d a l . c o m

feature

E

Texas Investors Title: A DAVID VS. GOLIATH SUCCESS STORY

by Joseph Lilli | photo courtesy of Photography by Natalie

Everyone loves a David versus Goliath story. In business, it’s when the little guy takes on an industry giant and wins.

We see thousands of examples of this every day. Remember when Apple, operating out of a small garage, took on IBM and software behemoth Microsoft? Or, in the ‘70s when Southwest Airlines’ Herb Kelleher battled several major airlines trying to prevent his planes from taking to the skies?

There are hundreds of entrepreneurial Davids taking on industry goliaths and winning. We have our own David here in Boerne: Texas Investors Title at 116 West Blanco, Suite 101, in Boerne, led by co-owner, President and Escrow Officer Steve Vallone.

“We’re a nine-person title company from a small town with a name most folks can’t pronounce, yet we’re successfully competing against some of the state’s largest title companies out of Dallas, Houston, and Austin,” Vallone declares.

“In fact, last year we did over $500 million in transactions on properties all over the U.S. We’re living proof that you don’t have to be in Houston or Dallas to complete at the highest levels in our industry.”

In nearly 40 years of closing experience, Vallone has closed some of the largest and most complex deals in Texas. In 1991, he closed the Houston Center transaction, a group of five office buildings, a mall, hotel, and vacant land in downtown Houston, valued at $510 million, which up to that time was the largest single transaction ever done in Texas. In 2003, he closed the $1.2 billion sale of Shell Chemical-Deer

Park refinery to a PEMEX-Shell joint venture. And, in 2013, he closed the sale of the Houston Astros baseball team to Crane Capital with the sales price of $650 million, with a $250 million loan from Bank of America that placed a Deed of Trust against the Astros leasehold estate of Minute Maid Park.

EARLY STRUGGLES TO SUCCESS

In 1979, Vallone became a partner in a title company started by former University of Texas football players Chris Gilbert and Corby Robertson. Their company, with an ownership group comprised of some of the most prominent real estate names in the Houston area, experienced tremendous success in handling large real estate transactions.

When the company was sold to Stewart Title in 2006, part of the contract required Vallone to run one of their divisions for three years. When the three years were almost up, he decided to move to the Hill Country.

“I saw a billboard on I-10 showing this beautiful green with a waterfall at Cordillera. When I checked it out, I knew this was the place to be. It offered a terrific golf course community, acreage with white-tailed and axis deer, wild turkeys, and 25-mile views. That’s how I ended up in Boerne,” he relates.

After a short-lived retirement, Vallone opened Texas Investors Title in 2010. Despite the fact the real estate industry was going through a recession then, it proved to be a good time to open his new company.

“The best time to start a new company is when your industry is down. That’s when capitalization costs are never cheaper,” he says.

During the first year he assembled a great team of employees and got all the kinks worked out of his programs so that when the recovery started, he was well positioned to take advantage of it.

Nonetheless, Texas Investors Title struggled its first year because of tough competition. It went up against a couple of good, well-established Boerne title companies run by people who were well liked in the area.

Vallone decided that in order to survive he had to change his business model. He went back to doing what he was best equipped to do and what nobody else in town was doing – handle large commercial deals throughout Texas. Today, 75% of their revenue comes from outside of Kendall County.

To generate business, he assembled a group of partners engaged in real estate – developers, attorneys, investors, and a couple of privately funded REITs (real estate investment trusts). As stockholders in his company, they continually send Texas Investors Title considerable business involving complex, multi-million-dollar commercial real estate deals – both in Texas and out of state.

Most transactions done by Texas Investors Title are in Texas.

They are part of the most sophisticated computerized title plant (real property data base) system in Texas, with access to 33 of the largest counties in Texas.

PROBLEM SOLVER

8

B oerne B usiness M onthly | February 2017

Besides having an excellent track record and experienced closers such as Vallone and Becky Edmiston, the company’s vice president and escrow officer, Texas Investors Title has built a solid reputation

as a problem solver. Problems often occur and some deals, Vallone intimates, hang by a thread until they find a solution.

“Once you get a reputation of saving deals rather than threatening them, you get a lot of repeat business,” he states.

For instance, the purchase of land in Houston for a Walgreens store was jeopardized when the company’s attorneys discovered a 1934 deed restriction that limited the acreage to only residential use.

Despite the deed restriction, Vallone drove to the site to personally check things out and discovered other retail stores on the same street.

It was apparent that the restrictions contained in the 1934 Deed had been ignored and were no longer enforceable. He then informed the Walgreens’ attorneys that the restrictions were unenforceable and provided express coverage of this issue to the policy. This satisfied all of the parties and the deal closed.

“Little things like that often will work to save a transaction. It usually makes people very loyal because you found a way to save their deal.

“The title insurance fees we charge are exactly the same as every other title company in Texas. So nobody competes on pricing. You compete based on performance,” he declares.

There are many title companies in Texas that are good at researching a property, but when it comes to resolving problems some put that burden on the seller before they will close on the property. Texas Investors Title takes an opposite approach.

“We could let the seller hire an attorney at $400 an hour to resolve problems, but we often resolve them ourselves at no cost. Becky Edmiston has become one of the top closers in the state and the two of us work very hard to provide the kind of service that people notice and appreciate. We can save them attorneys’ fees, resolve conflicts with other parties to the transaction, and make their overall experience a positive one,” Vallone says.

UT Healthier Care is Coming Soon In March 2017, The University of Texas Health Science Center at San Antonio – now called UT Health San Antonio™ – is expanding the exceptional health care services in your area.

We’re opening a new facility in the Hill Country featuring a wide range of specialties, including primary care for the entire family.

Now scheduling March appointments. Call (201) 450-6800.

Learn more at UTHealthHillCountry.org.

UT Health Hill Country | 25723 Old Fredericksburg Road, Boerne, TX 78015

COMPETING WITH THE GOLIATHS

Vallone believes that traditionally people in Houston or Dallas have looked down their noses at small companies in rural areas, such as his.

“They assume that all we know how to do is close farm and ranch deals and small houses, and that we can’t compete in the arena of downtown office buildings or refineries or the Houston Astros. I believe we’ve proven them wrong,” he says.

“As long as we get the job done, deliver great customer service, and successfully resolve problems, we can compete against anybody in Houston, Dallas, or anywhere else. And the best part is – we get to live in Boerne and they don’t!”BBM

KRISTA UPHAM Serving Real Estate Buyers and Sellers in the Texas Hill Country!

Ranches | Residential | Commercial

(210) 884-5276 | krista@lonestarboerne.com

www.LoneStarBoerne.com

222 South Main Street | Boerne, Texas 78006 | (830) 249-7979 • Voted Best of the Best 2016 Ranch Sales • Voted Best of the Best 2015 Residential and Farm & Ranch Sales

boernebusinessmonthly.com

9

from the mayor

WELCOME TO 2017

A New Year, A New Focus

W

We are especially excited about our public goals for this next year. Sometimes progress gets messy, but as long as we work together as a community; collaborate with our local government agencies; and protect the inherent values that life in Boerne represents, we will continue to prosper in our unique way.

This philosophy will be fundamental to our Master Plan efforts which we kicked off last month.

I hope to see lots of Boerne and Kendall County residents getting engaged and sharing their visions for our future. The city’s last Master Plan which was developed about 10 years ago, has been our guide as we moved Boerne forward – balancing residential and commercial interests. Together we accomplished a lot of goals in the 2007 Master Plan, and now we are updating that Plan, with community input, to develop goals for the next decade. Burditt Consulting is the firm that will guide us through this process, but ultimately the 2017 Master Plan will be created and implemented by this community. So bring your questions and ideas to the table.

In addition to the overall city plan, we will also update the Parks Master Plan. Many projects have been completed from the 2012 plan, namely the Veterans Park renovations and the new and improved Kinder Park. We also inked a long-term agreement with the YMCA to repurpose our existing civic center into a multipurpose recreation and community center to be operated by the YMCA. This collaboration is working well in many other communities similar to ours, so we have very high expectations that this revitalized facility will be very popular. The updated Parks Master Plan will give us an opportunity to hear from the community on what they want to see happen next in terms of parks, trails, and sports facilities in Boerne. So watch for more details on how you can get involved.

Traffic and mobility in Boerne continues to be a hot-button issue with several construction projects going on simultaneously. For about a decade there was nothing really happening in our area, but lately it seems there is a project around every turn. Roadway construction is always painful, but it is so necessary, and in just a few years it will be much easier to get through Boerne. I am proud

to say we have a very productive relationship with Kendall County and TXDOT officials. We also have some very engaged citizens that show up at public meetings whenever traffic and mobility are the focus. That was the case just a few weeks ago at the Kendall Gateway Study open house hosted

by TXDOT, Kendall County, and the City. Public input is so very critical, and I certainly appreciate the time and effort that people took to review some options and provide comments.

I am sending a shout out to our Boerne law enforcement and emergency personnel – Boerne received another award for the annual Neighborhood Night Out Program held last October. Participation continues to grow so I want to send my personal thanks to the Boerne PD, Fire Department, Kendall County EMS, Kendall County Sheriff’s Department teams, the Texas Game Wardens, and Texas State Troopers who joined us to make this community based program so successful again last year.

This time of year City Manager Ron Bowman and I make the rounds to a variety of local group meetings to share updates on city government business. We call it the State of the City roadshow.

It’s our chance to highlight the accomplishments of the previous year and share what’s on tap for the coming year. We do like to toot our own horn, but most importantly, we are really trying to educate you on high profile issues such as mobility, economic development, utility issues, and public safety. We hear lots of rumors, so we use this time to set the record straight, clarify, and present the facts. We also listen to the concerns that many bring forward so we can be prepared to make the right decisions for this community. My city council colleagues and I are required by the City Charter to live in the Boerne city limits; therefore, we are determined to make decisions that are in the best interest of all the people we have been elected to represent.

As many of you know, I have lived in lots of places in this great country, but the Texas hill country is my favorite. There are lots of great things about our area, but what I appreciate most are the people. I have had some amazing experiences as mayor of Boerne these last six years.

Being mayor has been extraordinary; sure there are good days and bad days, but in the end it’s the people of this community that I love serving, and I pledge to keep doing my very best as long as they will have me. We have a lot to look forward to in 2017 which is a great sign for our growing hill country town – because as we all know a town that is not moving forward is not going to prosper. I hope you and your family also have a very prosperous 2017.

- Mayor Mike 10

B oerne B usiness M onthly | February 2017

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: PRICE REDUCED!

PRICE REDUCED!

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, $415,000

PRICE REDUCED!

FOR LEASE

107 Bentwood Drive

Mediterranean style townhomes with 2 bedrooms and 2 baths on large lot. Approx. 1867 sf of living area in convenient location. $234,900

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. $389,900

208 Cold River

Trails of Herff Ranch home with 4 bedrooms and 3 full baths.

Available 03/01/2017. $2,350.00

ANGELA TURNER, BROKER (210) 912-8221 Sales & Listings

CAREY STEWART (210) 551-2883 Sales & Listings

THE BEAUTY COTTAGE OF BOERNE is now a

Spa!

featuring Glo Theraputics & Par Avion tea infused beauty products

Go To www.TheBeautyCottageofBoerne.com for February Specials!

LOCATED INSIDE OF THE BEAUTY COTTAGE OF BOERNE

Hayley Summers Morrison – Specializing in Men’s Grooming FACEBOOK.COM/HEADQUARTERSBOERNE

MON - WED & FRIDAYS FROM 8AM TO 7PM BY APPT. (830) 446-2303

103 E. Kronkosky #1 – Boerne | (210) 570-5416

PROFESSIONAL REAL ESTATE SERVICES & PROPERTY MANAGEMENT

We Lease & Manage Your Rental Property!

Reach the Broker Day or Night!

Cell: 210-535-1355 Office: 830-331-2666

CALL ED TODAY!

Ed Trevino, Broker

103 E. KRONKOSKY #3 – BOERNE

www.HomeSweetHomeBoerne.com

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?

“My child is smart, but is terrified of reading in front of the class.”

Since 1969, Learning Foundations has helped struggling kids and teens break These skills such as sensory processing, free from painful and embarrassing Is it the parents’ fault? The teachers’ memory, auditory processing and labels. All programs are delivered phonemic awareness build the 1-on-1 with an experienced specialist. fault? Is she just being lazy? foundation for academic and social The real reason is that for 20% of kids success. A weakness in these skills can Free Consultations can be scheduled cause even the smartest child to struggle. by calling (210) 495-2626. in school, reading, spelling and

(210) 495-2626 - Call Now for a Free Consultation - www.learningfoundations.com

12

B oerne B usiness M onthly | February 2017

New Point Source Home Designed to use the environment for all utility needs.

$499,000            

4 Bedroom – 2 ½ Bath 2 Acres – Gated Subdivision 10 Minutes to Boerne Open Floor Plan Oversized Garage Screened Porch Rainwater Harvesting Geothermal HVAC 7.5 KwH Solar Array Spray Foam Insulation Galvanized Metal Roof Underground Utilities WWW.SUSTAINBLEHOMESOFTEXAS.COM P.O. Box 2005, Boerne, TX 78006 Office 830 537-5290 Fax 830 537-5286

boernebusinessmonthly.com

13

health

Six Recommended Tests for the New Year

A

article courtesy of Any Lab Test Now

At the start of a New Year, people across the country resolve to get fit and improve their health. From increasing exercise and reducing stress to taking vitamins and eating right, people understand the importance of taking care of their bodies and minds. Taking care of oneself is a goal that has positive impacts on every area of life.

Of course, any time you set a goal, it is important to figure out how you will track your progress and measure the impact of the actions you take to reach the goal. When it

Serving our Friends and Neighbors of the Hill Country Since 1916

comes to goals related to good health, there are tests that can help you evaluate where you are today and what your personal areas of focus should be.

In 2017, our top six suggested tests for men and women are: BASIC CHECK-UP PANEL – This grouping of tests helps you evaluate your overall health. From liver function to blood pressure, this panel gives you a high-level view of your health today so that you can better pinpoint what is working well, what isn’t, and identify areas for improvement.

COMPREHENSIVE FEMALE PANEL – This is the most comprehensive panel for women. Not only does it evaluate your overall health, as in the Basic CheckUp Panel, but it also measures hormone levels, nutrition status and thyroid function.

MALE PANEL – Like the Basic CheckUp Panel, this gives you a good overview of your health. In addition, however, it evaluates adrenal functions that are specific to men and testicular health.

“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

Agent for:

• Stewart Title Guaranty Company • Fidelity National Title • First American Title Insurance • Alamo Title Insurance

830.816.2131 | 830.249.3341 - Fax 103 N. Saunders • Boerne, Texas 78006 (across from the courthouse)

VISIT US AT WWW.KCAC.NET 14

B oerne B usiness M onthly | February 2017

NUTRITIONAL PANEL – Often, health and wellness issues can stem from having too much or too little of a nutrient in one’s body. Evaluating and monitoring the level of various nutrients in your body is a good first step to making sure your body has what it needs to perform at its best.

CARDIAC RISK PANEL – As the name indicates, this group of tests helps you evaluate your heart health and identify any risk of cardiovascular or heart disease.

CORTISOL TOTAL TEST – Cortisol is the hormone your body releases in response to stress. When cortisol levels are too high for an extended period, they can contribute to health issues. Monitoring your cortisol level is a good starting point if your goal is to reduce stress.

When it comes to good health, making the decision to take control is step one! Step two is learning about how healthy your body is today so that you can find specific areas for improvement. From there, you can establish a plan that meets your personal health needs.

Then, when 2018 rolls around, you are sure to find yourself fitter and healthier! BBM Any Lab Test Now Boerne empowers you to Take Control of Your Health® with direct access lab testing services.They are located at 1369 South Main Street #105 in Boerne.

830-730-7777 or anylabtestnow.com/boerne

RESIDENTIAL • COMMERCIAL • INVESTMENT • 1031 EXCHANGES For Sale:

CASCADE CROSSING: COMING SOON!

HERFF VILLAGE TOWNHOMES Herff Village is providing affordable home ownership opportunities in Boerne with the release of 5 Brand New units that will include standard features like granite countertops, wood and tile flooring and Nest Energy management systems. Nicely situated in Historic town of Boerne, Texas.

Priced under $200K, Call for floorplans and more info.

For Lease:

For Lease:

New Retail Center coming soon at the corner of Cascade Caverns & Scenic Loop Road, convienently located near Boerne Middle School South, Call for More Information

RESIDENTIAL-LAND-COMMERCIA

Serving the Fair Oaks Ranch, Boerne and IH-10 Corridor, our Goal is to Provide Impeccable Serv Excellent Communication and the Best Results for your Real Estate Needs!

SEVEN OAKS GARDEN OFFICES 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 1086sf to 6,516 sf. TI allowance $30 psf. Call for Site plan and rates.

Call Today for a FREE Market Analysis on your Home 806 RIVER ROAD Location, Location, Location, Great one story Building on the High traffic River Road. Perfect for many opportunities including; Bike Shop, Retail store, Restaurant/Brewery, many other possibilities. 12+ parking spots in the rear off Ebenberger street, Additional 864sf warehouse/shop in back available for storage.

Armando Muzquiz Tony Mangus, Covered back and front porches, 2 bathrooms, 1 Managing Partner Managing Partner ADA compliant, LED lighting throughout. Starting 210-412-1607 210-413-8229 Tony Mangus Amber Espanol Smith Autumn Martens Eric Debner a business check out a Primo Location in Booming Hablo 830-431-5027 210-765-1111 512-576-5744 Boerne area across from the Cibolo Creek. 210-413-8229

www.LifeInBoerne.net

1018 RIVER ROAD, STE 300 | BOERNE, TX 78006 | WEBSITE: MANGUSREALTYGROU

NEW LOCATION! 703 South Main Street | Boerne, Texas 78006 boernebusinessmonthly.com

15

cover feature

P

HELPING BRIDES FIND THE WEDDING GOWN OF THEIR DREAMS

by Joseph Lilli | photos by Ron Pritchett

Perfection means everything for every bride, especially on her wedding day – the man of her dreams, the memorable ceremony venue, the magnificent decorations, and of course, the “perfect” wedding dress.

Almost every woman dreams of that one day when she walks down the aisle wearing the most perfect wedding dress – all eyes on her, filled with sheer joy and astonishment.

Yet finding that perfect wedding dress can be nearly as difficult as finding the person she wants to spend the rest of her life with.

The options seem endless – from breathtaking classic and traditional gowns to chic trendy and custom dresses.

But Olivia Duran and her mother and business partner, Alice Duran, owners of Liv and Love Bridal, take this seemingly monumental and sometimes overwhelming task and make it amazingly easier (even fun). From a large and varied inventory, they help bridesto-be narrow the search in a comfortable, relaxed atmosphere until they find “the most beautiful dress in the world” – even on a tight budget.

With 2,200-square feet, Liv and Love Bridal is comfortably spacious with large modern dressing rooms.

How It Began

The idea for opening the boutique took root when Olivia went with a friend who was having difficulty finding a wedding dress.

16

B oerne B usiness M onthly | February 2017

“We had a hard time finding a place that offered her a unique and satisfying experience. Every bridal shop we visited left her feeling frustrated,” she confides.

Later, Olivia got the opportunity to work at a company selling wedding gowns. She fell in love with the industry and dreamed of one day opening her own business so she could offer brides a richer, more unique experience.

That dream has now come true. Since Liv and Love Bridal opened in February 2016, just south of Boerne at 25035 Interstate 10 West, Suite 102, in San Antonio, it has become a destination for brides from Boerne, San Antonio, other parts of Texas, and even Mexico and Canada.

There’s something for everyone at Liv and Love Bridal. Naturally, the Durans carry a variety of classic and nostalgic wedding dresses that seem to never go out of style, chic trendy gowns that turn heads as the bride walks down the aisle, and even stunning, oneof-a-kind custom looks that bring out a bride’s beauty in a most magical way.

One-Stop Boutique

But Liv and Love Bridal is also a one-stop boutique for the entire bridal party. Customers can find gowns and dresses for bridesmaids, flower girls, and mothers of the bride and groom, as well as shoes, jewelry, accessories, and even tuxedoes.

“We go to New York, Chicago, and Dallas, the leading

bridal markets, multiple times a year searching for gowns, dresses and bridal accessories,” says Olivia.

“Before we opened our doors, we canvassed the New York market to get inventory so we could bring a New York fashion style to our area.

“We carry a variety of styles of impeccable quality from very traditional gowns to gowns that are kind of edgy. We also tend to buy new designs and trending styles that other stores aren’t buying. Since our gowns reflect a multitude of styles and designs from many different designers – such as Calla Blanche, Lillian West, Watters, Enzoani, La Sposa, St. Patrick, Alvina Valenta, Ti Adora by Alvina Valenta, as well as bridesmaid designers like Donna Morgan, Watters Bridesmaids, and Hayley Paige – our boutique attracts a lot of people,” she adds.

The Duran’s boutique also caters to people who want that one-of-a-kind look.

“We have the ability to really make that special gown or dress your own. We even have separate pieces like a top and a skirt. This

Olivia Duran photo by Lara Champion

allows our customers to make the dress themselves and not have something like everybody else has.

Should a bride need help finding a photographer, caterer, florist, beautician, or other bridal professional, the Durans make that task easy, too. They maintain a network of reputable vendors whom they can recommend.

Service: Priority One

“We have a huge commitment to our customers and service is our top priority.

We listen carefully to each bride and gather all the options we can to bring her vision to life. We go well above and beyond for everybody because we love to do that,” Olivia declares.

Liv and Love Bridal will serve walk-ins, time permitting, though brides are encouraged to schedule a private appointment to be assured of receiving exclusive one-on-one attention. Typically, the initial appointment takes 1 ½ hours, though continued on page 18

boernebusinessmonthly.com

17

gowns they like and don’t like. Their entire inventory is online and gives customers a good feel for what the boutique offers.

In some cases, brides come to her completely overwhelmed having already tried on dozens of dresses elsewhere. It’s not a problem for Olivia. She invites them to visit with her before the first appointment to talk about the things they want in a dress.

“I pick out a few gowns for them and they do the same. We start small.

Together, we figure out what they love and what they don’t like because what they don’t like is very important too.

It helps us narrow down the style and design. It’s also about being patient and starting small and methodical to eliminate stress,” she says.

Ordinarily, it takes about six to eight months from the time a bride-to-be walks in the door to the time she walks out with her gown and accessories.

“Customers should allow

15 to 18 weeks to get their dress made. That’s about four months. And it sometimes takes two months of shopping and multiple appointments before the order goes in. Once the gown comes in, we schedule time for a fitting and alterations. It’s a long process,” Olivia notes.

Getting To Know Them

But during that time, the Durans, who are super friendly, get to really know their customers.

“We become such good friends with the girls that we’re texting and calling each other. They give you that big hug after the first appointment and it’s like we’ve known each other forever. If they were nervous or frustrated at the beginning, by the time they leave they’re so happy and relieved.

“That personal engagement – plus helping them find the gown of their dreams – truly motivates us to serve them in the best way possible,” she says. BBM

w w w. l i v l oveb r i d al . c o m continued from page 17

more time may be needed if the bride is accompanied by several members of her bridal party.

“We do everything possible to make this a special experience for the bride, one that’s comfortable, relaxed, and less stressful. We serve champagne and allow them to bring snacks. We make it a fun experience!

“We don’t push anything on them, though we use our professional experience to help the bride find the ideal gown – one that flatters her body, evokes her spirit, and suits her venue,” Olivia remarks.

Olivia makes all the appointments.

She advises brides to go to their website at www.livlovebridal.com before the appointment and take note of the

18

B oerne B usiness M onthly | February 2017

Real Estate SALES SKYROCKET

Call a Professional Team Member Today!

*Rene Campbell (210) 542-0148

The Sound Choice

*Tiffany Joslin (210) 394-4399

Jim Campbell Naomi Weckesser (210) 838-1896 (830) 688-0282

Learn more at www.HearLifeAgain.com (830) 214-1565 1580 S. Main Street, Suite 101 Boerne, Texas 78006

Steven Karam (210) 414-0105

Kim Herrera (210) 306-9910

Wiley & Kathy Cloud, Brokers (830) 755-8693 | (210) 710-6601

830.995.5810 16 US Hwy 87 | Comfort, TX 78013-2277 marcie@mlcoxcpa.com www.mlcoxcpa.com

Real Estate Office: (830) 755-8693 Career Inquiries (830) 431-3133 boernebusinessmonthly.com

19

Health by Choice ...

Not by Chance !

Creative and Customized Health Plan Solutions

Hill Country Health Plans • Major Medical Health Plans • Individual & Small Group • Medicare Supplemental Plans James Kennell, DC Michael Garcia, DC Achieving maximum health and wellness through chiropractic care.

115 Highway 46 W Boerne, TX 78006 830-249-8900

Richard D. Sena

830-428-0018 rsena@gvtc.com

www.boernewellnesschiropractic.com

SUMMER BODIES Are Made in Winter!

JOIN US AS WE WORK TO CREATE YOUR PERFECT BODY WITH OUR LOW-IMPACT, STRENGTH TRAINING BARRE CLASSES THAT ARE PERFECT FOR ALL FITNESS LEVELS!

$5 OFF

NEW CLIENT

(SINGLE CLASS IS $23.00)

FOR ONE MONTH OF UNLIMITED CLASSES

YOUR FIRST CLASS

412 RIVER ROAD #104 BOERNE, TEXAS

(830) 331.8939 20

B oerne B usiness M onthly | February 2017

$99

Reserve Your Mat on Our Online Schedule at:

www.EleganceandLife.com

art

Libby Castle

C

by Gabriel Diego Delgado

Change is inevitable. This applies in the fine art world as well. The cycle of gallery sustainability is dependent on the communities, patrons, and collectors that support it. As a community embraces the artists living in that area, mutual benefits are amplified. More cultural awareness ensues; generations are exposed to the creative process of all the arts. More galleries can continue to thrive, and this adds to the creative economics of an area.

According to a recent report released by the U.S. Commerce Department in partnership with the National Endowment for the Arts, the arts and culture sector is larger than the U.S. travel and tourism sector. A total of $504 billion, or 3.2% of the gross domestic product.

The 2015 San Antonio Creative Industry Growth & Prosperity Report states, “The creative industry in San Antonio generated $4.3 billion in economic activity in 2014 while employing 21,736 workers.

The leading sectors were printing, broadcasting, and related activities; design and advertising; performing arts; and museums, galleries and collections…”

This explosion of the creative industry growth can also be applied to and reflective of the outlying regions of San Antonio region including surrounding communities like Boerne.

One of the major announcements for the art community in Boerne is the addition of two new artists to the roster at the Carriage House Gallery of Artists – Paula Lay and Elizabeth “Libby” Castle.

According to the Carriage House “Paula has loved the delicacy of watercolor since she was a youngster growing up in Lubbock, Texas, but did not try painting until a few years ago, when she was living through a long Alaskan winter. Her approach to painting is to try and capture the essence of the subject by using color in unexpected ways.

Paula has participated in the Helotes Fine Art Show, the Texas Hill Country Invitational and the Boerne Parade of Artists. She is a member of Boerne Professional Artists and a new partner at the Carriage House Gallery.

Libby Castle is a photographer. She explores all dimensions of photography such as abstract photography, macro photography, portrait, landscape and wildlife photography. Libby states, ‘I seek out everyday subjects to reveal something extraordinary, to capture the unique attributes and child-like awe of seeing something for the very first time.’

Libby was awarded ‘Best in Photography’ at the 2014 Texas Hill Country Invitational. She is a member

“We like the personal touch we receive. We trust our bankers and that’s important.”

Erica and Jonathan Jennings, Owners - Boerne Boat & RV Storage

sonorabank.com

of the Boerne Professional Artists and Hill Country Council for the Arts.

The Carriage House Gallery of Artists was opened in 2003 with eight artists. Only three of those original artists remain with the gallery. The model for artists working together and sharing expenses, along with exhibiting high quality, diverse artwork, still creates a unique environment. The Carriage House

Boerne 122 W. Bandera • 830-331-9118 Bulverde 512 Singing Oaks • 830-438-0416 San Angelo 5710 Sherwood Way • 325-949-0099 2502 Southland Blvd. • 325-947-2100 Sonora 102 E. Main • 325-387-3861

Gallery of Artists offers visitors an unusual opportunity to view exceptional fine art and to meet the artists.”

Take the time to explore the arts community around you in Boerne. Take time to talk with the artists and hear about their inspirations and vision. There is a wealth of education within the walls of the galleries in Boerne. Much can be appreciated and learned by being a gallery-goer. BBM

Member FDIC

Paula Lay

Delgado Consulting and Appraising is a privately owned fine art focused firm that specializes in art acquisitions for individuals and corporations. All appraisals are reported prepared in conformity with and are subjected to the 2016-17 version of the International Society of Appraisers Appraisal Report Writing Standards and Code of Ethics and will be reported in conformity with the current version of The Appraisal Foundation’s Uniform Standards of Professional Appraisal Practice (USPAP) 2016-2017 standards. If you have any questions for Delgado Consulting and Appraising, we would be happy to answer them! Submit questions, inquiries and letters to delgadoconsultingandappraising@gmail.com or visit our website at : www.delgadoconsultinga.wixsite.com/fineart

boernebusinessmonthly.com

21

Phillip Bell

& Assoc., llc

• ENERGY EFFICIENT • WATER CONSERVATION

PHILLIP BELL

REALTOR®, GREEN/Consultant

210.415.8483 pbell@texas.net

phillipbell.net

OWNER FINANCING!

8 to 10 AC COMMERCIAL IH-10 FRONTAGE (out of 33 ac estate)

2 miles west of Boerne city limits located in the ETJ. Contiguous to North Forty Business Park. IH-10 access road frontage. Ideal for commercial development.

Exposure to IH-10 traffic.

SOLD!

THREE PARCELS, 13.7, 14.7 AND 24.9 ACRES OUT OF 307 ESTATE LOCATED AT 825 HWY 473 IN KENDALL COUNTY

16.5 Ac Land For Sale –

Pre-Development Annexed & Zoned – Utilities Available

Under Ag-Exemption, low taxes. Great for horses and livestock. Private road under construction. Comfort School District. Build your dream home in the peaceful surroundings of the Texas Hill Country. Additional land may be available. Contact Agent for details.

OTHER UNLiSTED COMMERCiAL PROPERTiES AVAiLABLE! 22

B oerne B usiness M onthly | February 2017

T

The 2017 GVTC Foundation Employee Pledge Drive is a recordsetter for GVTC employee participation and dollars committed.

Ninety-percent of all GVTC employees signed up to support the company’s 501(c) (3) foundation through payroll deduction — the highest participation level in the history of the annual event.

The total dollars committed by employees, GVTC’s board of directors and GVTC is $270,807, which is also an all-time high for the pledge drive.

“Thanks to all of our employees and GVTC board of directors for their support! We are absolutely thrilled with the very generous and record-breaking response,” Paula White, The GVTC Foundation, president, said. “As a board, we pledge to be the best stewards of these contributions to meet the growing needs of the nonprofit organizations we support, who help so many thousands of people in our service area."

As a leading corporate philanthropic organization in the Hill Country, The GVTC Foundation uses Pledge Drive funds to help nonprofit organizations in GVTC’s service area that support health & human services, youth programs, volunteer emergency services, education and cultural programs. In 2016, the Foundation contributed over $324,422 to 90 local nonprofits.

Since 2006, The GVTC Foundation has given over $2.2 million in donations and scholarships back our community. BBM

giving back

Local nonprofits to benefit from The GVTC Foundation Employee Pledge Drive

The GVTC Foundation board of directors, along with GVTC CEO Ritchie Sorrells (back row, far right), and executive sponsor, Jeff Mnick (back row, far left), commemorate the pledge drive’s final tally.

THE DODGING DUCK BREWHAUS 402 River Road - Boerne, Texas 78006 (830) 248-3825

WWW.DODGINGDUCK.COM boernebusinessmonthly.com

23

24

B oerne B usiness M onthly | February 2017

for a month I genuinely felt that I had more energy and clarity. There are some quirks to make the recipe better so make sure you take a quick look before trying it out.

SUMMING IT UP I would like to think of IF as a long term strategy to improving health and performance.

So to recap our discussion: • Ketosis can be used to burn fat for hours and hours instead of carbohydrates.

• Ghrelin and CCK are the master hormones for controlling hunger.

• MCT oil is a quick, pure source of fat that can be used for energy by your brain and body.

• Intermittent-Fasting gently stresses the body's cells to replace the damaged ones with new. BBM *If you have a health condition, before trying a new diet or work out, consult with your healthcare professional or nutritionist if you have concerns, questions or your are taking medications. IF can help a lot of people but some people may not be ready for the quick change.

Michael A. Garcia, D.C. Boerne Wellness Chiropractic 115 Hwy. 46 W. | Boerne (830)-249-8900 boernewellnesschiropractic.com

Penguin Suits,

d Marketing

Pr i nt

The sky’s the limit with

S E O

I n b ou n

Need Leads?

dia

pangs and at the same time keep your body in ketosis. I recommend Brain Octane from bulletproof.com which is simply distilled coconut fat chains (8-).

AN 18 HOUR “IF” IS EASIER THAN YOU THINK It is very doable to fast for 18 hours and barely break a sweat. Here's one way to do it: don't eat anything after 8 PM and don't eat until 2 PM the next day. To get energy without breaking the fast, try this: • Blend a table spoon of MCT oil with organic grass-fed butter and organic coffee (not a typo).

• Blend it all with a high powered blender and drink.

• Don't eat till around 2 PM, eat quality protein before a work out if needed.

• Eat quality meals from 2-8 PM. • Once or twice a week is a good way to start.

• Go to www.bulletproof.com and read up on this strategy to IF without feeling starved.

I have been using this technique twice a week and so far I can tell a difference in body fat and energy levels. At first I did not know what to think of the process but after doing it

ite Design Webs

Fasting has been practiced around the world for centuries. Something that has lasted this long has got to have some benefit. However, the thought of not eating for 1-5 days makes my stomach cringe just thinking about it. Naturally, by researching fasting I came across IntermittentFasting, which I found to be just as powerful. In this article we'll discuss how to Intermittently Fast with out feeling like your starving but still get all the benefits.

Fasting has exploded in popularity these past 5-10 years. There are some interesting studies showing that neuro-cognitive diseases like Parkinson's and Alzheimer's can be helped. So aside from looking and feeling better, fasting can be beneficial in other ways we haven't yet fully understood.

THE SECRET IS KETOSIS Both fasting and intermittent-fasting, which we'll call “IF” from now on, allow you to go into a state of ketosis. Ketosis is when your body switches over to burning fats for energy, rather than carbohydrates. Don't get me wrong, we need carbs, but at the end of the day they are not very efficient compared to burning fat. Burning fat for energy yields longer lasting energy than burning carbs ever will and not to mention, it does not spike insulin levels. There have been studies showing cells that are gently stressed will respond positively by excreting toxins and undergoing a process called autophagy which is where the damaged cells get replaced by new ones. This recycling of cells may be responsible for the clear mindedness you get from Fasting.

In order to hack into your body's system, we need to get familiar with a couple of hormones.

Ghrelin and CCK are responsible for making you feel hungry or full. Those hunger pangs you feel at about noon, that’s Ghrelin working while CCK is secreted telling your mind that you're full. Ghrelin is what makes fasting very uncomfortable and will test your will power. If you enjoy being productive and active in life, then it may not be the best idea to put yourself in a position where you cannot be productive. It would be like trying to run a marathon while only taking in half the breath. IF may be a better option if your goal is to burn fat, secrete beneficial hormones and boost your brain.

MCT OIL: STAY IN KETOSIS WHILE FIGHTING HUNGER PANGS A huge challenge with doing any sort of fasting is crankiness in the individual. Eating nothing but healthy fats can help you feel full without spiking insulin or shutting off the Ketosis cycle.

However, all fats are not created equal. Medium chain triglycerides (MCT) are any fats with 6,8-,10- or 12- carbon chains in them. 8-chain carbon tails have been found to be the quickest absorbed by the body. MCT oil can fight hunger

So

F

Melt Fat, Gain Muscle and Boost Your Brain

ising vert d A ital Dig cial Me

wellbeing

INTERMITTENT FASTING

Your Marketing Department!

We are devoted to YOUR effective LEAD GENERATION.

Years of Success!

5 1 g n i Celebrat 830.816.8238 | www.penguinsuits.com | Boerne, TX

www.edwardjones.com

When it comes to your to-do list, put your future first.

To find out how to get your financial goals on track, contact your Edward Jones financial advisor today.

Ron Warden

Allyson Munsell

Financial Advisor

Financial Advisor

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

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

FAP-1966C-A

Member SIPC

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

BUILDING A BETTER US. Wall Breaking Ceremony

Friday, February 17, 2017 • 10am

WWW.ANYLABTESTNOW.COM/BOERNE

820 Adler St, Boerne, TX 78006 The Boerne Family YMCA is moving. Join us for a Wall Breaking Ceremony as we begin construction on the new location.

17700 US 281 N Suite #300 San Antonio, TX 78232 210-267-5501 WALK IN FOR SAME DAY TESTING In & Out in 15 Minutes!!

RSVP to Ashley Maytum at ashleym@ymcasatx.org

WWW.LABTESTINGSANANTONIO.COM

$15 OFF Any Test $49 & Above 5 Lipo B-12 $140 5 Vitamin B-12 $75 10% Off DNA Test

boernebusinessmonthly.com

25

ribbon cuttings

Greater Boerne Chamber of Commerce Ribbon Cuttings

Cibolo Creek Brewing Co. is open in Boerne, close to the banks of the Cibolo Creek! It is owned and operated by Mick Mazour and his family so you will get very personal service. It is the place to kick back, meet your neighbors in a family friendly atmosphere, while enjoying house brewed beer and eating fresh pub food. Cibolo Creek Brewing Co. is located at 448 South Main Street in Boerne and their phone number is (830) 816-5275. Be sure to check out their website cibolocreekbrewing.com and like and follow their Facebook page facebook.com/CiboloCreekBrewing.

Drop into a haven of curious natural treasures at our Hampton Inn and Suites hotel in Boerne, TX. Just north of San Antonio, come stay at this friendly city in Texas Hill Country located at 34935 IH 10 W. in Boerne. Whether you’re staying for business or pleasure, General Manager Arnoldo Rodriguez will guarantee you have a fantastic welcome at Hampton Inn and Suites Boerne, TX. He and his staff are committed to providing you with an unforgettable taste of Boerne, Texas. For reservations call (830) 816-8800 and visit their website boernesuites.hamptoninn.com.

Little Smiles Dentistry for Children is Boerne’s number one pediatric dental practice also serving patients from the Texas Hill Country towns of Comfort, Fredericksburg, Kerrville and many more surrounding localities. Dr. Stefan Ionescu, D.D.S and his team enjoy helping children and have a one on one approach that makes them feel both comfortable and confident. Little Smiles Dentistry for Children is located at 415 S. School Street in Boerne. Please call (830) 249-9888 for appointments and visit their website littlesmilesdentistry.com.

Kinderpark is a family park. Located on the corner of Water Street and Highland Street (111 Water St.) in Boerne, this fenced and shaded park is very popular with families with younger children. Kinderpark is perfect for small birthday parties and gatherings. Kinderpark’s amenities include: Parking; a Covered pavilion; a Picnic table, benches and a unique and exciting playground. For more information about the park, please call the City of Boerne’s Park and Recreation Department at (830) 249-9511.

Joaquin’s Panaderia’s Y Mas’ is a new family owned Mexican bakery and business here in Boerne. Owners Jeffrey and Lettie Alvarez have been serving in the Boerne community for over 7 years. They love the support of family, their church family, friends and even new faces that they can now call friends. Joaquin’s Panaderia Y Was is located at 455 South Main Street in Boerne. You call them at (210) 452-5647 and like and follow their Facebook page facebook. com/JoaquinsPanaderia.

j. groomed is a locally owned salon opening soon in Boerne, Texas. It will be located at the Ranch at Cibolo Creek Center specializing in “top shelf” men’s grooming services. CFO Jan Hoffheins and j. groomed stylist Julie Hoffheins Condon are working hard to make this a first class experience for their clients. j. groomed’s address is 1685 River Road in Boerne and their phone number is (830) 331-2240. Be sure the visit their website jgroomed.com and like and follow their Facebook page Facebook.com/j.groomed.

Dr. Kenneth Yu is an elite South and San Antonio Texas Plastic Surgeon and Reconstructive Surgeon. He is one of only a few San Antonio plastic surgeons who are double Board certified in both Facial Plastic and Reconstructive Surgery and Otolaryngology – Head and Neck Surgery.

Located in San Antonio, Texas, Dr. Kenneth Yu Facial Plastic & Reconstructive Surgery is one of the only concierge plastic surgery practices in San Antonio, focusing exclusively on the face and neck. As a truly patient-centered practice, their staff is receptive and responsive to the needs of all of their patients. Dr. Kenneth Yu is a surgeon who has served his military and community with distinction.

He strives for excellence, exclusivity, and quality results.

For reservations call (866) 574-1719 and visit his website dryuplasticsurgery.com.

The Water Tree Store is your local source for the best purified natural antioxidant alkaline water. The stores are a new opportunity available from Dream Tree Family, Inc. for its member/associates. The first Water Tree store opened over 2 years ago and currently there are over 25 stores in the U.S., 3 in Africa and 2 in Mexico. Each store is independently owned and operated. Dream Tree water is living water!

They offer water solutions for the way that we live! From Antioxidant Alkaline Water to filtered shower heads & Whole House Systems they have something to offer every need and budget. The Water Tree Store in Boerne is located at 215 West Bandera Rd. Ste. 113A. You can call them at (936) 714-3637 and visit their website watertreestore.com for more information.

Hill Country Family Services celebrated the grand opening of the Corner Cupboard Grocery and Nutrition Center. Nearly 200 supporters and friends attending the ceremony. Since July 1985, Hill Country Family Services (HCFS), a 501(c)(3) charitable organization, has provided food and emergency financial support to Kendall County families in need. They are able to provide this level of service because of the overwhelming generosity of organizations and individuals throughout the area. Their clients include families at or below the poverty line; families and individuals experiencing unexpected challenges like serious health problems or loss of employment; children, seniors, veterans from all military branches who provided service from as long ago as WWII; the homebound; terminally ill; pregnant; and the homeless. Hill Country Family Services is located at 118 W. Advogt Street in Boerne. Be sure to visit the Center and their website hcfamilysvcs.org for more information.

26

B oerne B usiness M onthly | February 2017

MONDAY

February 27 SPONSORED BY:

TICKETS: $60 - $40 - $30 - $20 (student) ONLINE: www.BoernePerformingArts.com PHONE: 830.331.9079

7:30 pm • Boerne Champion Auditorium Boerne Performing Arts is a 501(c)3 non-profit organization

Fall inLove with Your Hair!

Book Your Appointment Today!

B CUTS • COLOR • STYLING

before

Appointment booking available online at

after

barbiesinboerne.com

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!

(210) 330-6676 725 N. Main Street – Boerne, Texas Veronica “Barbie” Loehr, Owner/Stylist

boernebusinessmonthly.com

27

finance

Hard Investment Lessons Learned In 2016

I

In 2016, the U.S. stock market climbed to new highs and all other major asset categories (bonds, real estate, commodities, etc.) managed gains. A good year. But sadly, many investors lost money in their portfolios and learned some painful lessons. While mistakes are an inevitable part of investing, avoiding the large and potentially life changing mistakes is the goal.

The markets tend to be very cruel to those who take extreme bets on the future. Back in the late 1990s, it was greed that caused problems in investment portfolios. Investors who had large bets on technology stocks and even borrowed money to invest in the stock market learned the hard way when those stocks came crashing down. Last year, it was the polar opposite emotionally. Fear is what caused the problems in 2016. We’ll walk through some of the challenges that prompted poor decisions that leave many investors stunned and perhaps frozen today.

The stock market had its worst start to a year ever in 2016 after falling over 10% in January (based on the S&P 5001). Oil was hitting new lows, the economy was in question, and people were worried about the U.S. presidential election. There’s an old saying on Wall Street that says “as January goes, so goes the year.” This means that if January is not a good month, then you might as well forget about making any money in the stock market the rest of the year. The bad start to 2016 left many to abandon stocks, buy gold, and park money in low interest bearing cash accounts. But, this was absolutely the wrong move. That’s the problem with old Wall Street sayings and general “rules of thumb.” They all work…until they don’t. Buying stocks during that period of fear would have reaped large profits.

In mid-February, oil and stocks bottomed and essentially never looked back. The first lesson is don’t assume “as January goes, so goes the year.”

In 2016, it seemed everyone became “market experts.” Many had already made predictions about the U.S. presidential election and claimed that regardless of the outcome, the stock market would crash. Another lesson is that nobody can predict the future, let alone the stock market reaction to that prediction. We heard and saw many cases of investors making wholesale changes to their portfolios and abandoning their long-term investment plans.

Hillary Clinton was predicted to win and the stock market was predicted to fall dramatically afterwards.

Of course, she didn’t win and the stock market didn’t collapse. In fact, it had a very sharp rally in the weeks after the election. Another example was in June. The Brits voted to leave the European Union (EU). This was a shock because polls had suggested little chance of this outcome. The British pound sold off by over 8% and stock indices around the world sold off dramatically, anywhere from 4-10% on June

28

B oerne B usiness M onthly | February 2017

by Karl Eggerss

24th alone. The volatility index jumped 50% in one day! At the time of this vote, we wrote in our client newsletter there would be repercussions from this vote, but investors should “never make wholesale changes because of one news event.” That turned out to be the case.

Within 3 days, U.S. markets had rebounded and recovered all the losses.

There are always risks in the marketplace and investors need to adapt to these risks by making adjustments/modifying portfolios (as opposed to major adjustments such as selling all stocks). Again, making wholesale changes can have lasting negative impacts on a portfolio. That was the case with Brexit and also with the election. In both cases, investors that sold either immediately before or after these events found themselves scrambling to buy stocks and chase them as they rose. This has caused many to incur opportunity costs if not outright losses in 2016.

Another hard lesson learned for many in 2016 was the fact that sometimes bad news can actually be a buying opportunity for a stock, which is opposite of what most people think.

In December of 2015, Kinder Morgan (KMI) cut its dividend by 75%. This would’ve been unthinkable a few years ago as KMI was known as one of the most solid dividends around.

But, low oil prices and too much leverage by the company left them no choice. Most people would’ve thought the stock would’ve kept falling as income investors abandoned the company. While the stock did fall initially, it went up approximately 30% from the date of the dividend cut to the end of 2016. And, it’s up over 80% from the low in February of 2016.

Another example is Wells Fargo (WFC). This company was involved in a scandal that saw high pressure sales tactics leading to some of their employees opening accounts for customers without their consent. This caused the stock to initially fall and the CEO was forced to resign. Many people thought the stock would continue to suffer. But, that hasn’t been the case. Since the October 2016 lows, the stock is up substantially. It’s primarily risen because interest rates rose and therefore the bank will be more profitable. In other words, there are bigger issues driving Wells Fargo than a short-term scandal. Even British Petroleum (BP) survived the multi-week oil leak in 2010. Sometimes short-term misfortunes are buying opportunities. Of course, this isn’t always true, but for companies that have been around for decades, it often is the case.

In 2017, we’ll see another set of challenges. Doing nothing sometimes is the greatest challenge investors have in a world of constant headline risk. Do not mistake this for never taking action. It’s filtering through the noise to determine when to take the appropriate action.BBM 1The Standard & Poor's 500 (S&P 500) is an un-managed group of securities considered to be representative of the stock market in general. It is a market value weighted index with each stock's weight in the index proportionate to its market value.

The performance of indices do not account for any fees, commissions or other expenses that would be incurred.

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

S P E C TAC U L A R N E W H O ME I N C O RD IL L E RA RA N CH

LOT 53 GRA NA DILL A BOER N E , T EXAS 7800 6

JUST A FEW OF THE OUTS TANDING DETA ILS OF THIS SOON TO BE BUILT HOME...

• Texas

Hill Country Style • Expansive Back Patio • O utdoor Kitche n • Exposed B eams • 3 Car Garage

• 2+

acres in Secluded Part of Cordille ra • Gourmet Kitche n with 2 Islan ds • Butle r’s Pantry • Master Bedroom with Outdoor Access • Maste r Bathroom Featu ri n g D ual Entry Showe r • Standing Seam Metal Ro of • 2 Fire places, one in Livi n g , one O utdoor

3 ,97 3 ± s f | 4 b e d ro o m s | 4. 5 ba t h ro o m Pr i c e Ava i l a bl e Up o n Re qu e st

Barrett Houser c 2 10. 3 64.6 184 o 830.81 6. 52 6 0 b ar ret t . h o u s e r @ sothebysrea lty.com

TEXAS INVESTORS TITLE Performance is Our Priority Locally Owned ~ Nationally Recognized 116 W. Blanco Rd., Suite 101, Boerne, Texas 78006 Office: (830) 816-5888 ~ www.TexasInvestorsTitle.com Stephen V. Vallone President, Escrow Officer steve@texasinvestorstitle.com Becky Edmiston Vice President, Escrow Officer becky@texasinvestorstitle.com Beverly McCormick Residential Escrow Officer beverly@texasinvestorstitle.com

Representing Stewart Title Guaranty and First American Title Insurance

COMMERCIAL ~ RANCHES ~ RESIDENTIAL PROPERTIES

Community Solar

BBM

Ready to become a solar user, but don’t have space on your roof or property? Then, BEC community solar is the solution.

You can now buy 100kWh blocks for your energy needs. To learn more, please visit BanderaElectric.com or call 866.226.3372.

Your Source of Power and Information.

30

B oerne B usiness M onthly | February 2017

222 S. Main | Boerne, Texas

830.249.7979

www.LoneStarBoerne.com UNDER CONTRACT!

CASTLE LAKE RANCH - 2084 S GOAT RIDGE - PIPE CREEK

Million-$ views! Perfect 2nd home, mountaintop retreat or B&B. Fantastic views from the 2/2 main house w/70’+ deck overlooking miles of Hill Country. Open the front French doors to enjoy the luxury pool/hot tub and outdoor kitchen. Attached apartment-converted space-has separate kitchen, bedroom & bath for guests with access to pool area. Access is via paved county rd, and concrete drive. 20 acres of mountainside; some level at bottom. Seller’s new price significantly below tax valuation.

MLS#1209919 | $360,000 Contact Becky Trussell (210) 859-5576

KENDALL COUNTY - 306 SKYVIEW DR – BOERNE

Remarkable small acreage property with HIGH VIEWS, WOODLANDS and intermittent SPRING-FED POND, all on 9 very manageable acres. Perfectly situated for privacy and access to nearby Boerne, SA and the Hill Country.

Partially cleared showing just the right amount for a “flavor” of what this diverse property offers. Electric service ready to hook up and few restrictions!

MLS#1218936 | $169,999 Contact Becky Trussell (210) 859-5576

PRICE IMPROVEMENT!

DIAMOND RIDGE – LOT 12 CROWN JEWEL – BOERNE

One of the most unique lots in the neighborhood! 4.12 acres offering a combination of features including: long range views, a level site with room for your dream home and infinity edge pool overlooking your own private park and year round spring that could offer potential for a water feature! 4 wheel drive road already in place, a variety of mature trees, walking distance to neighborhood lake, park/ pavilion and tennis courts. Easy commute to Boerne & San Antonio!

MLS#1149060 | $119,900 Contact Scarlett Wolter (210) 254-7414

FAIRVIEW ADDITION - 229 FREY ST - BOERNE

Rare commodity in Boerne. Beautiful, level, cleared, nearly 1/2 acre lot (104’ x 208”) that will accommodate almost any type of floor plan and possibly a pool. There is an old small barn at the back of the property.

Walk to restaurants, shopping and parades. Live the in-town life style!

MLS#1203963 | $175,000 Contact Carol Schultz (210) 268-3691

KENDALL COUNTY - Z5 RANCH – 346B AMMANN RD – BOERNE

Prime 64 acre ranch located on Ammann Road. Convenient to the new Boerne I.S.D. property south of Bergheim. Easy commute to Boerne and San Antonio.

Heavily wooded, great soils and grasses, and gently rolling terrain. Nice stock tank and fenced on four sides. This recreational property has abundant whitetail deer, axis deer, turkey and other wildlife for your viewing pleasure. Development upside with additional 60 acres.

MLS#1147871 | Contact Steve Bennett – (210) 287-3776

Experience • Skill • Dedication

boernebusinessmonthly.com

31

Toby Vicknair, Realtor®

(830) 358-8828 – cell | toby@raylandco.com www.raylandco.com

Serving The Hill Country and South Texas Residential – Commercial – Recreational/Ranch Properties

T

Toby recently joined United Country-Ray Land Company out of the Boerne, Texas office. His understanding of client service stems from a 23 year sales background and ownership in residential and commercial landscape companies.

Toby is a family man and adores his wife Tonya, who is also an agent with UC, and their two children Kelsie and Camden. He is an avid runner and enjoys ultra distance running; you may have passed him on I-10 running from Boerne to the Alamo. He is also a fire fighter/paramedic and is passionate about serving the residents in Boerne and the surrounding areas. He is continually challenging and pushing himself to go greater distances in all aspects of his life.

Toby understands the hard work and dedication needed to succeed. His love of the hill country area, strong work ethic, commitment to each of his clients and passion in everything he does will make him one of the best real estate agents in the area.

Please call Toby any time; he is ready to work for you to help you buy or sell your residential, commercial or recreational property.

FEATURED PROPERTIES

2471 CRABAPPLE ROAD – KENDALIA | $880,000

LIVE WATER EQUESTRIAN RANCH – KERRVILLE $2,799,000

40 Acres with two creeks between Boerne and Blanco. Live Water, Views, Spring Fed Creeks, horse friendly pastures, good road access all within an hour of everything San Antonio has to offer.

103 Acres, riding arena, barn with living quarters, turnout pastures with improved grasses, horse friendly fencing, main home, guest home and foreman’s home.

114 Oak Park Drive – Boerne, Texas 78006

|

(830) 331-7333