Boerne Business Monthly - November 2015

Volume 8, Issue 05: November 2015

BOERNE business monthly

Living and Loving the Gospel Message A REPEAT OF 2008?

16TH ANNUAL DICKENS ON MAIN

LOCAL NEWS & INFO

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publisher's note

I

November is here and while we should always be grateful, this month reminds us to take a little extra time out of our busy schedules to stop and reflect upon what we are truly thankful for.

In the spirit of the season, this month’s cover feature is Hill Country Daily Bread Ministries.

This fantastic outreach does so much for those in need, they are truly a blessing to the hill country area in which they serve. Even if you are familiar with the organization, you may not realize all of the ministries they provide. Learn more about HCDBM and how you can get involved on page 16.

With the holiday season upon us, that means plenty of time celebrating with family and friends. Don’t forget to head out to the 16th Annual Dickens on Main event right here in Boerne! See what they have in store for this year’s event on page 9!

We hope you enjoy this month’s BBM! Happy Thanksgiving!

Lauren T. St umberg Publisher

publisher LAUREN TUTTLE STUMBERG director of sales & marketing RUSTY MEADOR art direction DISTINCT MEDIA, LLC distribution manager DAVE WILD for more information 210.219.6735 LAUREN@DISTINCT-GRAPHICS.COM

WWW.BOERNEBUSINESSMONTHLY.COM

contents

November 2015

06:

from the mayor

08:

calendar of events

09:

‘tis the season

12:

finances

Boerne is Better Than Ever – It’s All Relative

16th Annual Dickens on Main A Repeat of 2008?

by Karl Eggerss, Eggerss Capital Management

14:

maintenance

16:

cover feature

Winterizing Your Vehicle: Tips from Jennings Anderson Ford Hill Country Daily Bread Ministries: Living and Loving the Gospel Message

by Joe Lilli

21:

for a good cause Boerne Family YMCA’s 4th Annual Turkey Trot

your SPACE 26: real estate news

• Texas Home Prices Up! • Why Aren’t More Millennials Buying Houses?

29: hosting

Are Your Holiday Guest Ready?

by Esmi Gonzales, Sort It Out

30: art

Mooney Makes Sense: Getting Framed

ON THE COVER: Hill Country Daily Bread Ministreis Board Members: Les Huffman, David Hubbard, Agnes Hubbard, Duke Jonietz, Meg Grier and Dwaine Rivers

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Boerne Business Monthly is published by Distinct Media, LLC, copyright 2015. 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.

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B oerne B usiness M onthly | November 2015

速

速

from the mayor

Boerne is Better Than Ever

It's All Relative

W

We have such a prosperous community here in Boerne that our adult children, after checking out other towns and cities, often return home to raise their children - or they never left in the first place because they believe Boerne is just about as good as it gets.

We have hundreds of family owned businesses and franchises serving our residents and visitors with everything from salon services to western wear and home decor.

We have a very generous community that supports our churches, charities, and service organizations with their time and money. As we see over and over again, when one of our neighbors suffers the unexpected, this community rallies.

We have the best schools in the land operated by an award-winning school district with incredibly committed educators.

We have more medical services than ever before and first-class assisted living centers for our parents and grandparents.

We have some very popular visual and performing arts – the arts community continues to amaze with their creativity and tenacity.

We have parks, ball fields, and sports centers that are scheduled to the max and known as the best maintained and operated throughout the area.

We have miles of sidewalks and trails to keep our bodies fit and an award winning public library to help keep our minds sharp. Have you taken a walk to the library lately to check out the variety of free programs offered for all ages?

We have the only Hill Country Mile which attracts visitors all year long who contribute to our healthier than ever sales tax revenue. I hope you are shopping locally in our vibrant shopping district, now with some new offerings.

Yes, we have more people and more traffic than we had twenty, thirty or fifty years ago, but we also have the necessary community services and hardworking people needed to keep this community alive.

I respect the opinion of those who believe “old Boerne gone forever,” and while that is obviously true, Boerne is still just about as good as it gets.

–Mayor Mike

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B oerne B usiness M onthly | November 2015

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November 2015 CALENDAR OF EVENTS

EVERY SATURDAY THE FARMERS MARKET AT THE CIBOLO 9:00am to 1:00pm | Herff Farm 33 Herff Rd. – Boerne Shop fresh local produce, farm fresh eggs, breads, jams, jellies, local honey and Texas Hill Country arts & crafts at the historic Herff Farm at the Cibolo Nature Center in Boerne.

Enjoy free live music, gardening classes, cooking demonstrations and children’s craft activities, too.

Go hog wild at the Greater Boerne Chamber of Commerce Annual Wild Game Dinner. This will be the fourth year of the popular fund-raising event.

Admission includes all you can eat of the savory wild game dishes, live & silent auctions and registration for door prizes.

CONCERT IN THE CAVE - HARPETH RISING

7:00pm | Cave Without a Name - Throne Room 325 Kreutzberg Rd – Boerne Hear expansive three part vocal harmonies from Jordana Greenberg (violin), Rebecca Reed-Lunn (banjo), and Maria Di Meglio (cello) enhanced by dynamic cave acoustics and nature’s backdrop.

Unapologetic genre-benders, Harpeth Rising fuses Folk, Newgrass, Rock, and Classical into a sound that is organically unique.

Advance Tickets: $25, At the door: $30

NOVEMBER 7 BOERNE HANDMADE MARKET

9:00am to 4:00pm | The Pavilion 826 Johns Rd. – Boerne A bi-annual, one day event boasting creative and new vendors, selling all handmade items (no cutco/ scentsy).The vendors range from bath and body products to home decor to children’s items and even food items.

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

THE CHAMBER OF COMMERCE’S WILD GAME DINNER

5:00pm to 10:00pm | Kendall County Fairgrounds 1307 River Road – Boerne

NOVEMBER 10 ARBOR DAY BOERNE

11:00am to 12:00pm | City Lake Park 1 City Lake Rd. – Boerne The City of Boerne will be celebrating Arbor Day by planting a tree at Boerne City Lake Park. Mayor Mike Schultz will read a proclamation and the public is welcome to come pick up a shovel and help plant the ceremonial Arbor Day tree.The City of Boerne will be giving away free trees while supplies last. Call to RSVP your tree. 830-249-9511 Opt. 5.

GBCC RIBBON CUTTING CEREMONY FOR TRIO REHABILITATION & WELLNESS SOLUTIONS 11:30am to 12:00pm 217 E. Bandera Rd., Ste. 3 – Boerne

GBCC RIBBON CUTTING CEREMONY FOR RESOURCE MANAGEMENT, INC. 1:30pm to 2:00pm 121 South Main – Boerne

CITY COUNCIL MEETING

6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne

continued on page 15

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2015

‘tis the season CHRISTMAS COMES EARLY ON MAIN STREET IN BOERNE

‘Tis the Season for Festive Family Fun at the 16th Annual Dickens on Main November 27th-28th www.dickensonmain.com

T

The 16th annual Dickens on Main celebration is upon us! With scents of the holiday season swirling through the air, it’s time to begin planning for Boerne’s premiere holiday event. Unwrap your Christmas spirit with tidings of good cheer and pure family fun at Dickens on Main on Friday, Nov. 27 and Saturday, Nov. 28 from 1 to 11 pm!

“Join us on the Friday and Saturday after Thanksgiving for the hill country’s most popular

holiday soiree—Dickens on Main in Boerne,” said Mayor Mike Schultz. “This free event is loaded with family friendly activities and is the perfect way to get into the Christmas spirit. Plus you can get those last minute gifts and Santa will be in town too!”

Dickens on Main brings the merriment and joy of the holidays to Boerne’s Hill Country Mile, inviting locals and visitors alike to enjoy many festive activities including live musical entertainment, Dickens-era theatrical performances, live ice sculpting shows, horse-drawn carriage rides, snow on Main Street and more. Plus, Dickens on Main features a variety of children’s activities including trackless train rides, a petting zoo, photos with Santa and a 60-foot snow slide.

This annual event is also a great opportunity to avoid the hassle of the mall and bring home unique holiday gifts from the many beautiful shops along Boerne’s Hill Country Mile. Shop local for Black Friday and Small Business Saturday while the whole family enjoys a Boerne tradition packed with holiday fun and festivities.

“Dickens on Main has successfully combined small town Texas charm with warm and fuzzy holiday spirit,” said Sandi Karam, owner of Redbird Retro in Boerne. “Shining, smiling faces are everywhere among visitors, a gift of sharing from a great town to all who care to celebrate!”

Bring the enchanting tales of the continued on page 10

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holidays to life by exploring Dickens Village and enjoying many live musical and theatrical performances of the weekend, including renditions of the holiday favorite Bah Humbug: “A One Man Christmas Carol.” Guests can also look forward to seeing the most anticipated Christmas guest, Santa Claus—a great opportunity for children to share their Christmas wishes and families to take those last-minute holiday card photos.

So mark your calendars for the 16th Annual Dickens on Main, Boerne’s premiere holiday event! For more details, please visit www.dickensonmain.com. You can also join the fun by following the event on Facebook, Twitter, Instagram and YouTube, and by using the hashtag #BoerneChristmas in your photos, posts and tweets. See you there! BBM

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finances

A REPEAT OF 2008?

O

by Karl Eggerss

Over the past 100 years, two out of the three worst bear markets for stocks have occurred just in the past 15 years. For most of us, they are still fresh in our minds. This has caused many to assume the earliest signs of adversity will lead to another 2000 or 2008, when statistically it is highly likely that the summer correction is just that, a short term correction. Assuming this would be naive. However, the odds are highly against another 2008 given some indicators which will be covered later. Regardless, this possibility, even if remote, requires much of our attention and monitoring and we want to share some comparisons of 2008 to present day.

One very important aspect of 2008 and a common thread among the worst bear markets in history is the presence of a recession. There has never been a decline near the magnitude of 2008 outside of a recession.

So, it is important for us to constantly monitor the health of the economy.

No matter how strong the economy is, there will always be some indicators that suggest caution is warranted, which are often misleading. So, instead of focusing on specific aspects of the economy, we like to look at the big picture. One item we monitor is the Conference Board’s Index of Leading Economic Indicators. As the name suggests, this index is comprised of 10 leading indicators: Jobless claims, consumer orders, stock prices, vendor performance, capital orders, building permits, consumer expectations surveys, money supply, and interest rate spreads.

This indicator has always rolled over several months prior to every recession going back several decades. With this indicator at a recent alltime high, it suggests the U.S. economy is not near a recession. At the very least, a recession is many months away, if not years.

Fearful.” Below is a chart to illustrate an example of an indicator that measures fear among investors. We’ve highlighted in green other times when bullishness (or lack thereof) was near this low. You can see this indicator has a good track record of coinciding with bottoms or at a minimum, a subsequent rally. Note the fear during the August/ September stock market selloff was as high as the fear in 2008 near the end of the financial crisis.

In summary, by the time the market had fallen the same percentage in 2008 as it has now, there was significantly more deterioration in the economy and markets than today. While this does not guarantee that the summer correction was “the” bottom, it does provide comfort.

Furthermore, as market pundit Jim Paulsen notes, cycles typically end when the answers to most of the following questions are yes: 1. Has greed overtaken fear?

2. Is the U.S. economic recovery sputtering?

3. Are company earnings disappointing?

4. Have policy officials raised interest rates too much or tightened liquidity conditions too aggressively?

5. Have bond yields risen too much?

6. Are businesses or households out of cash?

7. Are companies “overstaffed”?

8. Have companies over-invested in equipment and buildings in recent years?

9. Are people paying up too much for houses?

10. Are banks lending too much?

11. Are consumers and businesses borrowing too much?

12. Are investors overexposed to the stock market?

Also, every recession in the post war era has been preceded by what 13. Is the stock market overvalued? is referred to as an inverted yield curve. This means short-term interest While some of the answers to these questions may be yes, the rates are higher than long-term rates. Inverted yield curves have general- majority are certainly no. In 2008, many of these would have been ly been caused by the Fed raising short-term rates too much and choking yes. Every bear market is different, but our research suggests that the off economic growth. Currently, long-term interest rates have a healthy current market environment is very different than 2008. BBM spread over short-term rates. With rates at zero, some argue that “this In 2010, Karl established Eggerss Capital Management, time is different.” However, those are often the most dangerous words in his own registered investment advisory firm dedicated finance. In fact, going back several decades shows that never has there to providing clients with superior financial counsel in the been a recession without first an inverted yield curve. changing economy. His market insight and cutting edge Finally, getting back to fear... High fear levels are considered a strategies help fulfill the mission of Eggerss Capital to help clients be protected and profitable in the face of a rapidly contrarian indicator, meaning that when fear is high, most who wanted to changing market. For more information on Eggerss Capital sell have already done so. One of Warren Buffett’s most famous quotes Management visit www.eggersscapital.com.

114 E. Highland Street, Boerne | 210.526.0057 is “Be Fearful When Others Are Greedy and Greedy When Others Are

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B oerne B usiness M onthly | November 2015

boernebusinessmonthly.com

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maintenance

to not stay as lubricated and can possibly burn out your engine.

• Battery: Making sure the battery has power and isn’t at risk of dying prematurely by checking for corrosion and functionality of the terminals.

• Antifreeze: For accurate levels and functionality it’s important to change old or improper levels of antifreeze to avoid mechanical difficulties.

• Tires: It’s crucial to make sure your tires are in good condition and they have plenty of good tread to handle ice and possibly snow in south Texas. Tires need to be aired properly and checked frequently because cold temperatures diminish the air levels.

• Brakes: Brakes are such a vital importance for staying safe during harsh weather; it’s important that

Winterizing Your Vehicle

A

by Amy Wilson-Berg, Jennings Anderson Ford

As a working woman myself, I know you have a lot on your plate. We go to meetings, work late, take and pick up the kids from school, take them to their activities, and run the household. There are so many things that we as women juggle and one of those things is maintaining our vehicles, which is especially essential when we have other people counting on us. As you walk through stores there are already signs of the holidays quickly approaching, which is an indication that winter is right around the corner. Besides just changing your oil and getting your tires rotated, it’s also extremely vital that we winterize our vehicles!

Since our lifestyles are so busy, we can take care of the hassle of winterizing your vehicle here at Jennings Anderson Ford. Some of the things that we do to keep you safe while driving this winter are to check and replace the following items: • Windshield Wipers: It is imperative to have good windshield wipers to give the best visibility during a heavy rain or snowstorm. You also want to make sure you have enough washer fluid to get you through the winter season.

• Lights: Your headlights, taillights, brake lights, and blinkers should all be tested so that other drivers can see you at night or during bad weather.

Remember, it get’s darker earlier during the winter so you will be using them more frequently.

• Belts and Hoses: Belts and hoses often become cracked, that can leave you in an accident or on the side of the road so we make sure that these are checked.

• Oil and Filter: Make sure your oil is at the right level and that it is fresh.

Oil tends to thicken during the winter months, which can cause your engine

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B oerne B usiness M onthly | November 2015

they function properly.

• Heater/Defrost: It’s important during the cold months to keep you and your family warm. Defrost is key to having the best visibility when driving.

Not getting your car inspected can cause unexpected car troubles that can be more costly and time consuming later down the road. As women we tend to overlook some of the things that we need to keep are vehicles moving for our fast paced lifestyle. Keeping your families safe while you’re driving is of the upmost importance, that’s why at Jennings Anderson Ford we take things seriously and get you in and out in no time while doing the best job possible. BBM

NOVEMBER CALENDAR OF EVENTS | cont’d NOVEMBER 11 – VETERANS DAY NOVEMBER 12 GBCC RIBBON CUTTING CEREMONY FOR BLESSINGS IN A BACKPACK 11:30am to 12:00pm | Kronkosky Place 17 Old San Antonio Rd. – Boerne GBCC RIBBON CUTTING CEREMONY FOR MERLE NORMAN COSMETICS AND SPA 1:30pm to 2:30pm | 123 Pecan Street – Boerne GBCC BUSINESS AFTER HOURS MIXER HOSTED

BY BEAR MOON BAKERY & CAFE 5:00pm to 7:00pm | 401 S. Main Street – Boerne DIVA NIGHT 5:00pm - 9pm | Main Street – Boerne The shops will be open late, brimming with holiday bounty, overflowing with finger food and wine, and filled with lively ladies in their tiaras and boas – all to ring in the holiday season.

NOVEMBER 14

SECOND SATURDAY ART & WINE 5:00pm to 8:00pm | Galleries in Boerne The 2nd Saturday participants go all out with complimentary beverages and a variety of hors d’oeuvres along with fantastic art!

NOVEMBER 14-15 BOERNE MARKET DAYS

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• Hormone Replacement Therapy

NOVEMBER 24

• Weight Loss

6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne

• Veterinary Compounding

CITY COUNCIL MEETING

NOVEMBER 26 – HAPPY THANKSGIVING!!

NOVEMBER 27-28 16TH ANNUAL DICKENS ON MAIN 10:00am to 10:30pm both days | Main Street – Boerne See Page 9 for Details!

NOVEMBER 28 STOCKING STROLL 10:00am | Participating Boerne Stores LIMITED TICKETS AVAILABLE FOR THIS EVENT. Must purchase your tickets at the Boerne Chamber of Commerce. BBM

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cover feature

Living and Loving the Gospel Message

A

by Joe Lilli | photos by Ron Pritchett

Amidst mounting financial struggles, Laura* and Brian* saw their marriage begin to unravel like a cloth that is frayed and eventually torn apart.

Brian struggled to hold down a job. Laura brought in their only income working part-time. As a mother of newborn twins, she was nearing a point of emotional, physical, and spiritual exhaustion.

Her friends and family urged her to leave. They said, “You deserve better.”

Laura felt hopeless and feared their situation would not improve. Having heard of Hill Country Daily Bread Ministries (HCDBM) in Boerne, she and Brian chose to enroll in the Family Mentor Resource Program. Their Case Manager took the time to evaluate essential stability issues, then assisted the family in setting goals which included employment, finances, health issues, family matters, and spiritual growth.

The Case Manager also provided them with emergency

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B oerne B usiness M onthly | November 2015

food to alleviate some of their financial pressures. And, working through a HCDBM’s church partner, their Case Manager matched Laura and Brian with a mother-daughter team of Family Mentors, Joan and Kate. Every other week, Joan and Kate brought food, diapers, hygiene products, and other supplies directly to the home of Laura and Brian.

During this process of renewal, doctors diagnosed Brian with a mental disability, which explained his instability. Within three months, Brian was responding to the medication. He also began volunteering and gaining self-confidence.

Visits with Joan and Kate were opportunities to pray together and to encourage Laura and Brian. As they listened and learned to lean on the Lord, they gained an understanding of how God was capable of changing their marriage and financial situation for the better. They attended marriage counseling and joined a Financial Peace class, which helped them budget their finances for the first time. The Case Manager referred Brian to the Christian Job Corps Program. After graduation from there, he went on to receive a Certified Nursing Assistant license and found employment at a nursing home. Laura accepted a full-time job.

Today, Laura and Brian are financially sound, no longer needing the food box or case management from HCDBM, and are enjoying a renewed commitment to their marriage. They also continue their close relationship with their mentors, who are now like family.

All this happened because HCDBM goes far beyond offering just handouts. HCDBM’s mission is to: unite and equip the Body of Christ with food, resources and training necessary to transform our communities and the lives of those in poverty and need through the love and saving grace of Jesus Christ.

More than 45,000 persons (including 13,000 children) in HCDBM’s eight county ser-

vice area meet the definition of “poverty” or “low income.”

Persistent poverty is linked to many other issues. Most struggle with substandard living conditions, isolation, food insecurity, poor health, abuse, addictions, and mental health problems such as depression.

Children living in poverty often are educationally behind, and those in fatherless households are five times more likely to follow into poverty themselves.

As HCDBM co-founder Agnes Hubbard intimates, “We help struggling families overcome these needs in order to break the cycle of poverty and live a life of independence. We become the eyes, ears, hands, and voice of Jesus in our service of others.” This is all achieved through the various ministries offered.

MINISTRIES The Family Mentoring Resource Program (FMRP) One of several of their ministries, FMRP is the core program of HCDBM’s. Laura, Brian and 844 other families in crisis were helped last year through this mentoring program.

“Most people think of poverty as just a lack of money, so many communities address it with only material help,” notes Agnes. “As a result, the root causes of poverty go unaddressed.”

But HCDBM takes another approach. It realizes that the lives of those in desperate need are transformed through support and encouragement from long-term relationships and case management, empowered by the love of Christ, while establishing a framework of accountability.

“We prepare local churches by training them in poverty alleviation principles to address the many challenges poor families face. We also provide our partner churches with resources, such as food, clothing, diapers, and other necessities. Through this partnership with HCDBM, local church outreach programs are enhanced.

“Family Mentors are actually church members who have been called to serve families in crisis. These mentors work with Case Managers as they walk alongside families in need. They become a friend and church family to the family, providing physical, emotional, and spiritual support to lift them out of poverty,” she adds.

The” Stand By Me” Student Mentoring Program (SBM) Another vital ministry is Stand By Me and serves impoverished children from Kindergarten through 12th grade. In this community-based mentoring program, mentors meet with the children a minimum of once a week.

“Children who live in poverty can suffer in many different ways, such as addictions, abuse, depression, and

“How can I repay the Lord for all good done for me?”

Psalm 116:12

isolation. They may also lack food, clothing, or have difficulty in school. Many are at risk of not graduating or going on to higher education, so we provide them with academic help, life skills, and spiritual enrichment. We want them to recognize that they are loved by God,” says Agnes.

The Community Resource Program This is a no-cost Food Bank serving 172 churches, nonprofits, and schools in 2014 by providing food, clothing, and hygiene products to more than 18,000 needy persons across eight counties.

ADDITIONAL SUPPORT MINISTRIES During Thanksgiving, HCDBM provides complete “readyto-cook-at-home” turkey dinners to more than 400 families.

The ministry also collects upwards of 1,000 unwrapped Christmas toys for the parents in the Family Mentoring Resource Program. Giving these toys to parents affords them dignity and joy as they wrap and give these gifts to their children.

The Hill Country Kids Program ensures each child we continued on page 18

HCDBM Board members standing next to the massive storage shelving units that are soon to be filled upon the completion of the new facility. (Left to Right): Dwaine Rivers, Meg Grier, Agnes Hubbard, Duke Jonietz, Les Huffman and David Hubbard

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serve receives an age-appropriate Bible. This program also distributes Easter baskets to children along with a copy of the Easter story; back-to-school clothing; new books and “Birthday-In-A-Bag.” BECOME A VOLUNTEER HCDBM offers individuals, children, youth, families, and people from local organizations and businesses opportunities to serve their neighbors in need as volunteers.

The ministry provides flexible schedules and work tailored to the abilities and needs of the volunteers. Persons wanting to volunteer can come to the HCDBM campus, call 830-249-0025, or click on the “Volunteer” button at www.HillCountryDailyBread.com. Since HCDBM is relocating soon, call ahead to find out which campus to report to.

NEW CAMPUS HCDBM served 845 families (2,608 individuals) in the Family Mentoring Resource Program last year and another 18,000 through the Community Resource Program. Because the need is great and the area population is growing, HCDBM rallied the community and made plans several years ago to meet the expanding needs. This November 2015, 15 years after its humble beginning, HCDBM is moving into their new state of the art facility at 38 Cascade Caverns Road in Boerne.

With more than 3,500 volunteers working out of five rented warehouses – a cold storage in Fredericksburg, three warehouses on its small Boerne campus, and another warehouse near the campus – HCDBM lacked sufficient room to accommodate all of them. During an overflow of goods received, volunteers have worked in the summer heat, under tents in the parking lot.

“Our new campus will allow us to consolidate and put everything under one roof,” says Agnes. “Our 40,000 square foot facility will include a new and significantly larger freezer/cooler. We’ll also have a 7,000 square foot Training Center and an outdoor amphitheater, allowing us to present speakers, music, worship, and other events.”

Thanks to the generosity of H.E.B., many items in the new facility came from the Boerne grocery store when it was decommissioned a few years ago.

H.E.B. allowed HCDBM to gut the store and take what it needed.

“Our intent from the beginning was to go in debt-free, but we’re still in need of some additional funds to achieve this goal. We currently have a matching fund opportunity to raise the remaining dollars. Those interested in helping can contact us directly,” says Agnes.

HOW CAN YOU HELP? “This is a critical time of year for HCDBM. Donations are needed to ensure that all programs are fully funded before the end of the year, and to ensure we are ready to meet the New Year in the new facility. What we receive now will determine a lot of what we can do next year,” Agnes declares.

“We have never turned anyone away and we don’t plan to do that now,” she adds.

YOU can make a significant difference by donating today! Donations are accepted online at HillCountryDailyBread.org or by mail at 234 West Bandera Road, #133, Boerne, Texas 78006. Checks should be made out to Hill Country Daily Bread Ministries.

Mark your calendars for February 20, 2016, -- that’s the date HCDBM will host its annual Vision Dinner Fundraiser, which raises vital operating funds for ministry programs. For more information, email visiondinner@ hillcountrydailybread.org.

GIVE TO RECEIVE Reflecting upon the mission of HCDBM, Agnes stresses that we were all given the gift of life. “It is only through offering our life back to God – freely using our action, ability, and abundance to serve others – that we are able to live life to its fullest potential.” BBM * Names have been changed.

HILLCOUNTRYDAILYBREAD.ORG 18

B oerne B usiness M onthly | November 2015

ONE CLASS OR 6 MONTHS, WE HAVE PLANS & PACKAGES TO FIT YOUR LIFESTYLE! 830.331.8939 Reserve Your Mat on Our Online Schedule at: www.EleganceandLife.com

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Having More Retirement Accounts Is Not the Same As Having More Money When it comes to the number of retirement accounts you have, the saying “more is better” is not necessarily true. In fact, if you hold multiple accounts with various brokers, it can be difficult to keep track of your investments and to see if you’re properly diversified.* At the very least, multiple accounts usually mean multiple fees.

Bringing your accounts to Edward Jones could help solve all that. Plus, one statement can make it easier to see if you’re moving toward your goals. *

Diversification does not guarantee a profit or protect against loss.

To learn why consolidating your retirement accounts to Edward Jones makes sense, call your local financial advisor today.

Ron Warden Financial Advisor 215 W Bandera Rd, Ste 113B Boerne, Texas 78006 830-249-8286

Rebeca Short

Allyson Munsell

Financial Advisor

Financial Advisor

104 Medical Drive Boerne, Texas 78006 830-249-4630

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

IRT-1435C-A

Member SIPC

4th Annual Turkey Trot BOERNE FAMILY YMCA

NOVEMBER 21, 2015 RACE STARTS AT 8AM AT BOERNE CITY PLAZA

100 North Main Street – Boerne, Texas 78006

5k & 10k • Fun Trail Walk

• Free Youth Race

First 600 participants guaranteed long-sleeve tech shirt!

Boerne (830) 249-3955

leon springs (210) 698-8100 boernebusinessmonthly.com

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B oerne B usiness M onthly | November 2015

*Name has been changed to protect privacy

You’re frustrated, and so is your child. Classwork and homework by now are a daily struggle of tears and yelling. Your child is falling behind, and the school is clueless as to how to solve the problem.

SCHEDULE OF EVENTS 6:30 am Packet pick-up at Boerne Main Plaza 8:00 am 5K and 10K 8:30 am Boerne Mile Trail Walk

Can’t make it to the Turkey Trot? Y Partners donations accepted online.

Please go to the ymcasatx.org and click on the Donate tab.

attention problems such as Dyslexia and ADHD are caused by weak underlying learning skills.

You know your child is smart, but there is something holding him back.

You have tried tutoring and hours of homework, but it seems like nothing has worked.

So why DO smart kids struggle in school?

9:30 am Free Kids’ Fun Run 10:00 am After Party Cost: $35-$45

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

Brain research shows these skills can significantly improve Weak underlying learning skills can be identified using a cognitive skills assessment.

Once the student’s cognitive strengths and weaknesses are identified, a specialized program is developed to train those skills.

Learning Foundations: 45 years of experience, now in Boerne.

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 boernebusinessmonthly.com

21

for a good cause

H

Have you noticed a big, orange turkey running around town in tennis shoes? It’s the mascot for the Boerne Family YMCA 4th Annual Turkey Trot scheduled for Saturday, November 21st at Boerne Main Plaza. The Turkey Trot will benefit Y Partners, a charitable campaign that ensures life-changing programs such as afterschool care, youth sports, summer camps and Y memberships are available to everyone in the community, regardless of their ability to pay.

“We are more than a gym, we truly are an organization that strengthens the foundation of the Boerne community; of our community,” said Ashley Maytum, Director of Member Engagement at the Boerne Family YMCA. Last year, the Y assisted more than 235 families and awarded over $90,000 in financial assistance to families and individuals in our community. One of these individuals is Sarah*,

a mother of three who has recently moved to Boerne for her family’s well-being.

A friend suggested Sarah apply for the Y’s Open Doors Scholarship Program funded by Y Partners Campaign. Through Open Doors, Sarah and her children were able to become members of the Y at a price within their means. She used the Y to get in better physical condition while improving her fitness level. While exercising, Sarah knew her children were playing in a safe, positive environment at the Y’s Child Watch.

The benefits of being a member of the Y did not end there. With regular exercise, Sarah lost 50 pounds. She sleeps better, has more energy and the quality of her life has been transformed. She is able to be the mom she wants to be to her children.

“The YMCA is for everyone regardless of your financial situation,” Sarah said, “sometimes we struggle and the Y makes it easy for everyone to be healthy no matter where your life is.”

Your participation in the Turkey Trot as a runner, walker or stroller will ensure that the Y can continue to serve families such as Sarah’s. Registration is ongoing through November 21 at the Boerne Family YMCA or online at ymcasatx.org/boerne. A 5K or 10K run/walk, Boerne Mile Trail walk and children’s fun run are available. Registration is available the day of the race as well. An after-party will follow with fun for the whole family including , moonbounce, music by Branson and food provided by Hungry Horse The event takes place on November 21 to support families in need and help make a difference, one person at a time! Give thanks and run hard!BBM

Health by Choice ...

Not by Chance !

James Kennell, DC Michael Garcia, DC Achieving maximum health and wellness through chiropractic care.

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

www.boernewellnesschiropractic.com

Time for a Second Opinion on your Financial Future?

Call Cisneros Financial Services Today for a Risk-Free Review.

For over 40 years, Cisneros Financial Services, in conjunction with Russell Investments, a global leader in multimanager investing, has been consulting with and advising individuals, sole proprietors and business owners on strategies to help maximize their investment return in an ever-changing market.

If you are: • Retired and receiving distributions from an IRA • Contributing to a profit sharing plan • Looking to diversify away from non-performing investment vehicles

Contact us today for a free, no-risk consultation to get a second opinion on your financial future!

13 Upper Balcones Road | Boerne, Texas 78006 (830) 249-9900 | www.cisnerosfinancial.com Securities & Advisory Services offered through VSR Financial Services, Inc., A Registered Investment Adviser and Member NASD/SPIC. Cisneros Financial Services is independent of VSR.

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 22

B oerne B usiness M onthly | November 2015

your S PAC E

at home or at wor k... love the space you’re in!

THIS SECTION: real estate news | • Texas Home Prices Are Up • Why Aren’t More Millennials Buying Houses?

hosting |

Are You Ready for Holiday Guests?

art | Mooney Makes Sense: Getting Framed boernebusinessmonthly.com

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THE NEW ALAMO TITLE BOERNE FEE OFFICE

B.R. (Randy) Allen III Attorney Escrow Officer

Brian A. Clepp Attorney Escrow Officer

Alana Logue Escrow Officer

Cathy Spain Business Development Director

Competence & Integrity

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

www.allenlawllp.com

— Comprehensive Legal Services —

ALAMO TITLE ESCROW CLOSING OFFICE, FULL SPECTRUM REAL ESTATE DRAFTING, OIL/GAS TITLE EXAMINATION, CURATIVE, DUE DILIGENCE, RIGHTS-OF-WAY AND EASEMENT ACQUISITION, DIVISION ORDERS, POOLING/UNITIZATION AGREEMENTS, SEISMIC AND LEASE NEGOTIATIONS AND ACQUISITIONS, MINERAL RECEIVERSHIPS

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

Alamo Title Company alamotitleboerne@allenlawllp.com | 830-357-5088

FEE OFFICE ALLEN & ASSOCIATES, L.L.P.

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allenlaw@allenlawllp.com • Phone (830)443-4900 • Fax (830)443-4901 12 Upper Balcones – Boerne, Texas 78006

B oerne B usiness M onthly | November 2015

INTERIOR AND EXTERIOR PAINTING DRYWALL REPAIRS AND TEXTURING E X T E R I O R R E PA I R S - FA S C I A A N D S O F F I T

CALL JOE @ 210-803-2463 CALL MARK @ 830-446-1506

COMMERCIAL AND RESIDENTIAL www.BoerneKitchensandBaths.com 830-446-1506

Enclave

at Balcones Creek Homes $ from the

260’s

Contact Mark Guerra at 830-981-5206

Executive

Balcones Creek

Great Locations and Great Values! in Ma

Johns Rd.

St.

10 87

46

Balcones Creek

46 Fair Oaks Blvd.

87

Community Features: • • • •

No city taxes Gas community Gated community Wooded homesites

• Exemplary Rated Boerne Independent School District

Map not drawn to scale.

For more information visit CalAtlanticHomes.com.

at Balcones Creek Homes $ from the

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Contact Heather Morofsky at 830-981-5301

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Acreage Homesites In the San Antonio division of CalAtlantic Homes being marketed under the Ryland Homes brand, prices, plans, elevations and specifications are subject to change without notice. Depictions of homes or other features are artist conceptions. Photographs and/or renderings are for illustrative purposes only. Hardscape, landscape, and other items shown may be decorative suggestions that are not included in the purchase price and availability may vary. See Sales Counselor for details on available promotions, restrictions, offer limitations and a complete list of HouseWorks® features. This e-mail is not an offer or the solicitation of an offer for the purchase of a new home. This information is not directed to residents of any state that requires registration or permit issuance prior to the publication of such information. RS1319

boernebusinessmonthly.com

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Serving our Friends and Neighbors of the Hill Country Since 1916

re news | TEXAS HOME PRICES UP 9 PERCENT IN SEPTEMBER

L

“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 99 years, we’ve earned the trust of real estate professionals because we’re experienced, we’re professional, and we care about our customers.

Information courtesy of the Real Estate Center Online News

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

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

26

Latest Multiple Listing Service (MLS) data show Texas home sales had a 9 percent year-over-year increase last month while the median price was up 5.9 percent.

According to September 2015 Texas MLS data, 26,710 homes were sold last month, nearly 2,150 more than a year ago but about 2,040 fewer than in August.

The median price was $196,300 compared with $185,400 a year ago and $203,000 in August.

Months' inventory was at 3.6 months.

Real Estate Center economists consider 6.5 months a balanced market.

B oerne B usiness M onthly | November 2015

WHY AREN'T MORE MILLENNIALS BUYING HOMES?

M

Millennials — anyone born between 1980 and 1998 — are buying homes at a much slower rate than their parents or grandparents for many reasons.

Real Estate Center Chief Economist Dr. Jim Gaines attributes this partially to the costs associated with buying a home, and he doesn't just mean the down payment.

"As you know if you have ever bought a house, when you buy a house, there are other costs," he said.

Homebuying is one of the economy's biggest stimulators, because people who buy homes buy all sorts of related goods and services. The related costs may make purchasing a home more difficult for millennials.

"When you pay the rent, there generally aren't any other bills to pay," Gaines said.

"But when you pay a mortgage, you also have taxes, insurance, maintenance and upkeep, homeowner fees, and the list goes on."

There are other reasons as well. ​​The new mortgage requirements that took effect after the housing bust of 2008 make it harder for a young person to qualify for a mortgage.

Some also grew up with the specter of the housing crash, with many seeing themselves or people they know lose their homes.

Millennials are also burdened by far greater amounts of student loan debt than their parents or grandparents.​ Information courtesy of the Real Estate Center Online News & Ticket760

This giving season, help by making a tax deductible end of year donation.

Please make donations payable to Operation Round Up.

Mail to: Bandera EC C/O Operation Round Up PO Box 667 Bandera, TX 78003

Bandera Electric Charitable Foundation

For more information, please visit: BanderaElectric.com

Come See Us at

103 E. Kronkosky – Boerne

FACIALS • CHEMICAL PEELS • MICRODERMABRASION WAXING • BODY WRAPS • LASH AND BROW TINTING

PROFESSIONAL REAL ESTATE SERVICES & PROPERTY MANAGEMENT Reach the Broker Day or Night!

Office: 830-331-2666 Cell: 210-535-1355 103 E. Kronkosky, Ste. 3 – Boerne Ed Trevino, Broker

CALL ED TODAY!

EMMY AND CLAUDIA

SKIN CARE BOUTIQUE 103 E. KRONKOSKY STREET - SUITE 2 BOERNE, TX 78006

EMMY 210.417.5972 CLAUDIA 210-313-6222 OFFICE 830-331-1037

www.HomeSweetHomeBoerne.com

SHOP@IDUNNASHARVEST.COM

BE KIND TO ONE ANOTHER

WWW.IDUNNASHARVEST.COM boernebusinessmonthly.com

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Phillip Bell

& Assoc., llc

• ENERGY EFFICIENT • WATER CONSERVATION

COMING SOON! INDUSTRIAL/TECHNOLOGY/BUSINESS PARK: This 28.4 acre property is available for development. Recently annexed with Industrial zoning (I) pending, this property is ready for a professional developer to work with the City of Boerne for a most-needed industrial park. City water available. City sewer service in progress. Approx. 1400 feet of frontage on Shooting Club Road with additional access on Hwy 87 (Main Street). The property is under Ag-Exemption. 39 horse stalls, office and apartment to be removed.

Contact listing agent for full details.

PRIVATE REAL ESTATE

TRANSACTIONS • FAMILY • ESTATES • COMMERCIAL • INVESTORS (210) 415-8483 – Call for Details

PHILLIP BELL

REALTOR®, GREEN/Consultant

210.415.8483 pbell@texas.net

phillipbell.net

12 AC COMMERCIAL IH-10 FRONTAGE: Twelve acres (out of 33 ac estate) with approx. 1,250 ft. frontage on IH-10 access road offered for commercial development. Can be sold as 2- 6 ac lots. Located 2 miles west of Boerne city limits in the ETJ, next to North 40 Business Park. Call for details: 210-415-8483.

It’s in My DNA!

LAND

Pre-Development 12 Ac IH-10 Access Rd in ETJ 28 Ac Hwy 87 & Shooting Club Rd Zoned "I"

pbell@texas.net

OTHER UNLiSTED COMMERCiAL PROPERTiES AVAiLABLE! 28

B oerne B usiness M onthly | November 2015

hosting |

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Holidays are meant to be spent with family and friends and to enjoy the reason for the season. Entertaining house guests can be stressful but if you prepare for their visit, you can eliminate most of the stress. This is about the guests and making them comfortable and happy during their stay.

SECRET WEAPON #1: Write a To-DoList with a timeline and stick to it.

SECRET WEAPON #2: Get your family to pitch in.

SPRING CLEANING: Clean your guest room and guest bathroom top to bottom.

This includes dust bunnies under the bed and cob webs on the ceiling fan. Declutter the dresser to make room for their personal items. Include fresh linen, towels, bathroom supplies, extra pillows and blankets. Add fresh flowers even if it’s one stem of your favorite blossom.

BEDROOM TOUCHES: Make space in the closet for guests to hang their clothes and place their shoes. Place magazines (like Boerne Business Monthly), books and candles out for their enjoyment.

CHILD PROOF: Cover electrical sockets; place cleaning products, knives, medication and breakables out of reach or in cabinets. Secure blind cords and check window locks. If you have a pool, a fence is a good safety tool. No fence? Place magnetic alarms on your doors which sound off when a door is opened or closed. These alarms can be found at any home improvement or hardware store.

SMALL REPAIRS: Look for drippy fau-

Are You Holiday Guest Ready?

by Esmi Gonzalez

cets, squeaky doors, replace burnt out light bulbs. You want to make sure everyone is safe and comfortable.

What, no guest room or extra bathroom? No worries! Simply find space in your living room, office or family room.

CREATE A SPACE: Lay out blankets and pillows before your guest arrive. Instead of the couch for them to sleep on, invest in an air mattress. They start at $40 and can be purchased at Target, Walmart and Bed Bath and Beyond. Consider a room divider to create a sense of privacy. Be creative and build a divider from things you may have around the house.

BATHROOM SHARING: Declutter your vanity and give them their own space for their personal items.

MEALS: Plan your menu and shop a few days out before your guests arrive. Cook ahead and freeze meals. Buy your guests their favorite foods and snacks. Make sure and have staples like cereal, milk, yogurt, granola, bread, eggs, lunch meat, coffee, beverages etc.

HOUSE TOUR: Give your guests a tour of your home shortly after their arrival. Your tour should include their room or space, bathroom, kitchen pantry and washer/dryer area. If you have a house alarm, provide your guests with their own code. Post emergency contacts in a central location.

Opening up your home can be stressful but with a little preparation and organizing in advance, you can enjoy the holidays as well as your guests! BBM

I enjoy helping people and seeing the end result, an organized space and a happily satisfied less stressed client! I am the principal of Sort It Out, Professional Organizing Solutions. Some of our services include organizing any room in the home, downsizing, merging of two households, preparing a home for the real estate market and so much more. Serving San Antonio, Boerne and New Braunfels. Organization is a big part of life editing and I’d like help you sort it out!

Esmi Gonzalez, Professional Organizer, Certified AIOP / Principal Sort It Out, LLC (210) 818-8250 | SORTITOUTSA.COM

RELOCATING? We can help you with that!

Call 3rd Qtr Award Winners* to Sell or Buy Real Estate!

Jim Campbell* | (210) 838-1896 Largest Closed Volume

Tiffany Joslin* Steven Karam* Listings Ranch Listings (210) 394-4399 (210) 414-0105

Naomi Weckesser Rene Campbell* (830) 688-0282 Under Contract (210) 542-0148

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

Real Estate Office: (830) 755-8693 boernebusinessmonthly.com

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art |

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B oerne B usiness M onthly | November 2015

222 S. Main | Boerne, Texas

830.249.7979

www.hillcountryproperties.net

2.17AC - 148 LAKE FRONT – LAKE COUNTRY SUBDIVISION

1776 PRIVILEGE CREEK – PIPE CREEK, TX High on a hilltop hugging Privilege Creek is an impressive 27± acre estate with a custom plantation style 5bd/3ba Clark Lang home and a 1380 sq. ft. 2bd/2ba log cabin. What a beautiful retreat! Inspiring views abound from the back porch of the log home to the back yard gazebo to the east wall of windows in the expansive living/dining rooms to the spacious 2nd story east & west balconies for sunrise/sunset relaxation. Approx. 1000ft of Privilege Creek for your own private water play area with springs.

Beautiful Energy Efficient Home! Walk to the HOA Park on the Boerne Lake for a swim or kayak! This home was built to be super energy efficient. It has radiant barrier and continuous ridge vents. Silestone kitchen counters, custom cabinetry, mostly laminate wood flooring, oversized side entrance garage. Wonderful patio arbor covered area for entertaining. Exterior painted in September. Large master with two exterior doors to access front & back patio areas. TV room with wet bar and deck.

MLS#1128324 | $1,100,000 Contact Carol Schultz – (210) 268-3691

MLS#1141907 | $389,900 Contact Sara Baird – (210) 317-9996

5.05AC - 125 RIVER BLUFF – CYPRESS BEND SUBDIVISION

You will feel like you walked into a Fredericksburg Sunday house in this immaculate 4BD/2.5BA that sits proudly on 5 tree studded acres! Over 1400sf of patio surrounding sparkling fenced pool. Large porches with gorgeous cedar plank accents. All organic finishes! Quartz counter tops, double oven and farm house sink! Wood burning fireplace, Storage Building, Tree house, fire pit, and room for your horses! 18 acre neighborhood Park on Guadalupe River with RV hookups, pavilion, and walking trails! Stunning!

MLS#1141608 | $365,900 Contact Scarlett Wolter – (210) 254-7414

107 RANGER DRIVE

Ranger Creek home on 1 acre, easy access to IH10, voluntary HOA with pool, tennis, and clubhouse. No city taxes! Recent interior/exterior paint, new SS kitchen appliances, granite countertops. Oak floors with carpet only in the bedrooms. Large covered patio and deck area plus a storage building. Ready for move in!

MLS#1130088 | $325,000 Contact Sara Baird – (210) 317-9996

Experience • Skill • Dedication

boernebusinessmonthly.com

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