Boerne Business Monthly - October 2015

Volume 8, Issue 04: October 2015

art al fresco

impact of the affordable care act

LOCAL NEWS & INFO

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publisher's note

I

I’m starting to see pumpkins popping up all over town – it must be fall y’all! I think we are all ready to embrace the sights, smells, tastes and temperatures of this new season. That being said, aren’t you a little curious why we have a big glass of lemonade on this month’s cover instead of a pumpkin spice latte? Well, the answer is simple. We are spreading the word about Lemonade Day! While the actual Lemonade Day may not be until May, sponsors are needed now in order to make the event a success. This event fosters the entrepreneurial spirit in our local youth and we encourage you to get involved! Find out more information on this fantastic event on page 16.

This month’s pages are filled with lots of other great articles and information too! Read all about the Art Al Fresco art exhibit on page 10, see what Rich Sena has to say about the Impact of the Affordable Care Act on page 6 and check out what’s going on at the Hill Country Invitational on page 28.

Happy Fall!

Lauren T. St umberg Publisher

contents

October 2015

David B. Frank

06:

Beth Coyle

health care Impact of the Affordable Care Act

by Rich Sena, Hill Country Health Plans

08:

calendar of events

10:

public art Art Al Fresco: Art Competition Beautifies Boerne

by Joe Lilli

14:

ribbon cuttings

16:

cover feature Lemonade Day: Empowering Today’s Youth to Become Tomorrow’s Entrepreneurs

by Lauren Stumberg

20:

giving back Blessings in a Backpack: Feeding the Future of America

your Space 25: real estate education

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

Local News and Statistics

by Naomi Weckesser

28: art

Mooney Makes Sense: Come One, Come All...To the Texas Hill Country Invitational

30: real estate news

• Housing Bubble?

• International Buyers Add $8.32 Billion to Texas Economy

ON THE COVER: Lemonade Day Boerne Board of Directors back row left to right: Chris Christianson, Beya Jouini-Otieno, Stephanie Fox, Nikki Miller front row left to right: Crisanne Zamponi, Kirsten Cohoon, Ariel Brooks-Stevens not in photo: Heather Dickens, Lissette Jimenez, Jennifer Hudson, Ed Puente, Danny Zincke photo by Ron Pritchett

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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 | October 2015

速

速

health care

Impact of the Affordable Care Act

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Questions about the Affordable Care Act continue as we approach open enrollment (Nov.-Jan.) for those purchasing individual health insurance or small business group plans.

ACA proponents point to the reduction of uninsured Americans as proof the law is working. This reduction is largely due to substantial increases in people covered by Medicaid. The federal government will fund this increase through 2016, after which states will assume partial responsibility. However, the Wall Street Journal reports the cost of covering new individual Medicaid recipients has exceeded expectations by 19%, or $1000/person. The number of new Medicaid enrollees also greatly exceeded projections.

This will translate to higher state costs once the federal subsidy is reduced. When our nation finally decides to face its long term structural deficit, it will be tempting to further reduce Medicaid subsidies, potentially crushing state budgets.

Over 11 million Americans purchased 2015 coverage on exchanges with a majority receiving premium support via refundable tax credits. This number declined to 9.9 million last month, due to people not paying their premium share or being unable to prove subsidy eligibility. Few barriers exist when people sign up on exchanges, leading to some fraudulent enrollments. For example 700,000 people claiming tax credits didn’t file 2014 tax returns, potentially costing taxpayers billions in bogus payments.

Prior to the ACA’s implementation in 2014, 27 million Americans purchased individual health plans. However, some were denied coverage due to serious pre-existing conditions, forcing them to purchase expensive High Risk Pool coverage or remain uninsured.

The ACA changed this, making insurance accessible to all regardless of health history.

However, ACA mandates and new taxes have increased premiums as opposed to promised decreases. For example, additional preventive services were mandated without any patient co-pay. Rules developed by Health and Human Services also increases costs; an example is the clarification of ACA Section 1557 concerning “discrimination against transgender patients,” prohibiting insurers from categorically denying coverage of care related to gender transition. While this may be politically correct, it represents a new financial cost to insurers and increases premiums for all.

While ACA proponents point to low premiums for those receiving large tax credits, others have seen premiums double since 2014. For example, one client of mine is a 39 year old couple with three children. They were perfectly happy with their pre-ACA, Health Savings Account compatible plan that cost $520/month for a family $5,000 deductible. Their new plan has a $7,300 deductible and $937 premium. This $5,000/year premium increase hurt their ability to save for their children’s college education.

Others who receive tax credits are worse off than they were prior to 2014. A small business client of mine saw her plan go from a $5,000 family deductible to $12,600. Even after qualifying for a $400/month tax credit, her net premium increase was $120/month.

Carriers are requesting big premium increases for 2016 individual plans, though some may be denied. Hallmark Services Corporation, which operates Blue Cross Blue Shield in five states, requested a 52% hike in its New Mexico plans due to rapidly escalating claims. New Mexico’s Department of Insurance rejected this request, leading BCBS to eliminate its PPO (Preferred Provider Network) and replace it with a lower cost HMO network. They plan the same for Texas, replacing the PPO network with an “improved” new HMO network. Humana is reducing its Texas PPO plans from five to one. As feared, networks are shrinking, which means fewer patient choices.

Small businesses also face challenges in controlling premiums. Many are raising deductibles and employee contributions which ultimately hurt workers’ paychecks. An estimated quarter of all businesses will pay the “Cadillac Tax” starting in 2018, severely penalizing those offering rich benefits. Most will likely increase deductible and reduce

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B oerne B usiness M onthly | October 2015

by Richard Sena

benefits to eliminate this 40% tax on any amount paid by employers over an ACA-determined annual contribution/ employee.

Another trend is the increased merger of insurance carriers. Aetna has purchased Humana, and Anthem is consolidating with CIGNA. The battle between payers and providers has increased; providers demand adequate reimbursement to remain profitable and be able to stay in carriers’ networks, while payers are attempting to lower costs. These scenarios lead to fewer consumer choices.

Many physicians are opening “concierge” practices where existing and new patients pay a monthly fee that circumvents the insurance process. While this works for wealthier patients or physicians tired of the insurance rat race, it reduces access for low income individuals, the very people ACA was designed to help. Those with HMO plans already find it difficult to access doctors who accept their insurance. People may be insured, but that doesn’t mean they have easy access to doctors. Other physicians are choosing to leave medicine altogether.

What can small businesses do to deal with this new reality? Many small business owners who purchase individual plans face the loss of their PPO and do not want HMO options. They should reconsider small group plans that have a nice selection of PPO options. While it is true they would incur the cost of offering this benefit to all full time workers, it is an excellent recruiting and employee retention tool. In Kendall County, many employers find it difficult to attract good help, so offering benefits can be a game changer for prospective employees.

A client who owns four fast food restaurants realized the need to increase his workers’ hourly wage to remain competitive in the market; he also considered health insurance that would cost about $2000/year per employee. He asked key employees if they preferred an increase in wages by $1/hour with no benefits, or a smaller wage increase with benefits. They chose a smaller increase with benefits. Over 96% of his workers are now insured, and he reports that employee satisfaction is very high.

Small business owners should also consider lower premium Health Savings Account plans as well as some of the more creative options carriers are developing.

Navigating the complexity of health insurance is undoubtedly challenging. However, with the proper guidance and direction a business can juggle this balancing act in a cost effective and morale building way. BBM Richard Sena is the President of Hill Country Health plans, LLC in Boerne, and is a health and life insurance broker specializing in health insurance benefits for both individuals and small groups.

830-428-0018, rsena@gvtc.com

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October 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. october 6 GREATER BOERNE CHAMBER OF COMMERCE Ribbon Cutting Ceremony for Highland Homes 11:30am to 12:00pm | 10011 Jeep Jump Ln. – Boerne october 8 GBCC Ribbon Cutting Ceremony FOR Gardner Springs Dentistry 11:30am to 12:00pm | 134 Menger Springs Rd., Ste. 1270 – Boerne

october 9 Ground Breaking Ceremony for Stonehouse Builders The Village at 32 Herff 4:30pm tp 5:00pm | 32 Herff – Boerne october 9-11 The Key To The Hills Rod Run Pre-1949 coupes, sedans and roadsters delight onlookers and brighten Main Street. october 10 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! october 10-11 Boerne Market Days 10:00am to 5:00pm | Kendall County Court House 201 E. San Antonio Ave. – Boerne Great shopping in an outdoor setting. october 11 Boerne Concert Band Fall Concert

6:00pm to 8:00pm | Boerne High Auditorium 1 Greyhound Ln – Boerne A variety of your favorite tunes! october 12 Columbus Day Kendall County Commissioners Court 9:00am to 11:00am | Kendall County Courthouse 201 E. San Antonio Ave. – Boerne october 13 GBCC Ribbon Cutting Ceremony for GBRA River Heritage Tour - Boerne Kiosk 1:30pm to 2:00pm | 400 Block of River Road – Boerne october 13 City Council Meeting 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne

Get a Fresh Look

for

Fall!

continued on page 19

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public art

Art Competition Beautifies Boerne

J

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by Joe Lilli | photos by David B. Frank

Joe Barrington is an amazing sculptor, one of those rare persons who can grab something plain and ordinary – like a distressed light pole or a twisted oil field pipe – and breathe new life into it, transforming it into a stunning, larger-than-life sculpture.

One of his latest creations – Comet and Raven: Messenger from Afar – is on display now through September 2016 in Boerne at the city’s 1st Annual Art al Fresco Public Art Exhibition. Made from powder coated scrap metal, it stands 20 feet tall and features an iridescent, bluish-purple raven riding a comet.

“The comet turns on an axis,” says Barrington. “So whatever way the wind blows, it points that way.”

Barrington, from Throckmorton, Texas, has long used the raven image in his creations. He adopted the idea of ravens as messengers from the spirit world from Native American Indian lore.

His sculptures are bold, noticeable, and deliver a message. Yet, Barrington believes people can come away with whatever interpretation they want.

“It’s also supposed to be entertaining. If you don’t see a message in it, that’s fine.

And if it makes you smile, that’s fine, too,” he confides, laughing.

In all, eight artists, including Barrington, are participating in the exhibition. The Boerne Public Art Competition Committee, comprised of representatives from the five city council districts and three representatives from the art community, chose the pieces, which were crafted from such diverse materials as bronze, stucco, concrete, and welded steel.

The finalists for the first annual Art al Fresco Public Art Competition are: • Andrew Arvanetes – “Urban Moai Figure” • John Banks – “Stars on Parade” and “Thought of a Treble Clef” • Joe Barrington – “Comet and Raven: Messenger from Afar” • Jeffie Brewer – “Yves Klein Blue Heron” and “Bunny” • Russ Connell – “Red Pony” • Jerry Daniel – “Dancer 2015” • Rollin Karg – “Mongo” • Craig Gray – “Slices of Heaven” Origin of Art al Fresco The idea for Art al Fresco (an outdoor or “fresh air” exhibit of public art) grew out of years of collaboration between the City of Boerne and the local arts community.

Paul Barwick, Boerne’s Special Projects Director, explains: “In 2008, we requested assistance from the American Institute of Architects to help us with some urban issues and to develop a vision for a better future for our community. So AIA sent its Regional/Urban Design Assistance Team (R/UDAT) here.

“R/UDAT looked at a wide variety of issues downtown, such as how do we grow

B oerne B usiness M onthly | October 2015

Hill Country Group • Major Medical Health Plans • Individual & Small Group • Life Insurance • Medicare Supplemental Plans

Richard D. Sena

downtown and what do we need to change or expand. Their report indicated there was a strong desire in the community to make public art available in public places.

“That led us to work with a local arts group, the Hill Country Council for the Arts. They made arrangements to have a Dallas foundation lease us some bronze longhorns on exhibit there.

“After being on display for a year and receiving considerable public interest, the longhorns were returned; however, their presence here started an earnest dialogue about public art. Later, the city purchased and was gifted additional sculptures, including the Wild Bill Hickok bronze at Main Plaza, the Land of the Cheyenne on the Cibolo Trail, and Father Gander in River Road Park, bringing our

This helped prompt the city to establish the current public art exhibition and competition, the first of its kind in Boerne. It instantly adds 10 more sculptures – all on loan for a year. They’re all for sale, and the city has the option to purchase one or more pieces, if it chooses, after the exhibit ends.

“We are very fortunate to have the support of City Council for this initiative. Without their vision and backing to move public art forward, this project would not have been possible,” states Barwick.

“It’s a way for us to rapidly build a collection and create some excitement about public art,” adds Mary Woods, Boerne Special Projects Manager.

“Art al Fresco helps us engage the local community and drive cultural tourism. We’re always

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permanent collection to five pieces” Barwick says.

Residents and visitors alike were impressed with the quality of the sculptures and how they revitalized the city, fostered engagement, and illuminated the meaning of art in their everyday lives.

looking for new and exciting ways to improve Boerne’s quality of life, keep our historic downtown vibrant, and to attract visitors.”

Mayor Opens Exhibit On Sept. 19, Mayor Mike Schultz officially opened the art

MEMBER FDIC

continued on page 12

boernebusinessmonthly.com

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exhibit and competition at the Patrick Heath Public Library.

Several of the artists were on hand to meet with residents and discuss their entries.

“Continuous improvement is the name of the game in Boerne, so we are about to unveil the next big reason to spend time here,” said Mayor Schultz.

The city’s historic downtown – known as Boerne’s Hill Country Mile – and Boerne’s Trail System will showcase the sculptures.

Residents and visitors can navigate the exhibit with the aid of complimentary walking tour brochures available at the Patrick Heath Public Library, the Boerne Convention and Visitors Bureau, the Greater Boerne Chamber of Commerce, and at downtown retailers.

Or, they can take a free, self-guided walking tour available via download through the free mobile app, Otocast. Just download the app on any smartphone or app-enabled device to explore Art al Fresco and hear the artists talk about themselves, their sculptures, and creative inspiration.

Residents are invited to vote for their favorite sculpture. They can vote at www.ArtalFresco. com, the free mobile app Otocast, or by downloading the QR code printed in the walking tour

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brochure. Voting will be open until mid-August 2016.

The City will recognize the artist receiving the most votes as “Boerne’s Choice” at the close of the year-long competition.

The City of Boerne and Boerne’s Hill Country Mile, in partnership with The Boerne Convention and Visitors Bureau, are sponsors of the Art al Fresco Public Art Competition.

A Big Challenge “This being the first art installation was a big challenge,” Barwick exclaims.

“There are so many things to consider to make this happen. Setting up the program, getting insurance, finding artists who know what they’re doing, choosing the pieces, making sure the art is placed where there’s no conflict with all the city public right of ways and utilities, and a thousand other details.”

“The thing that’s been very gratifying for us has been working with the artists and others in the creative community. They’ve been very sharing, very giving,” adds Woods.

The city currently owns five sculptures with two more soon to being gifted to Boerne by Majestic Ranch Arts Foundation.

Along with the 10 pieces on loan, residents will be able to view 17

B oerne B usiness M onthly | October 2015

works of art over the next year.

The City Council committed to the public art program for five years.

After five years, it will decide whether or not to continue with it in its present format.

Art & Community “The tagline for this program is ‘Art & Community,’ says Barwick.

“A big part of this is to have that community conversation about public art. We know people are going to be rather passionate about art.

They know whether they like it or not.

“I’m excited to have this dialogue and see people’s reactions. Public art raises the public spirit, gives us something visual and tangible that speaks to the heart and soul. And, it’s going to be a monumental part of what makes Boerne a beautiful place to live, work, and visit,” he enthuses. BBM

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ribbon cuttings

Greater Boerne Chamber of Commerce Ribbon Cuttings – August/September 2015

The Hot Dog Guy’s owner, Gary Redfern, has opened a wonderful hot dog business in the Boerne area. He will be participating and opening his stand at various events, both for profit and non-profit. He will be catering with community organizations to help fund-raise. Gary has recently retired from working in the food area of a local company, so he has a lot of experience in food/catering. He is looking forward to his new venture and the involvement with the Boerne community. You can contact Gary at The Hot Dog Guy at (830) 388-8773.

Owner Sandra Canavan and The Bicycle Tree’s store numerous vendors were on hand to meet and introduce their unique store located at 33 Scenic Loop in Boerne, Texas. The store provides a variety of antiques, jewelry and art that would make great additions to any home. Be sure to stop by and see Sandra and her friends at The Bicycle Tree. You can also call them at (830) 981-4771.

The Chamber Staff and Ambassadors were proud to be on hand to help celebrate State Farm Insurance - Ginny Thompson’s 30th Anniversary in business. Ginny Thompson started her agency in 1985, is a part of State Farm’s Chairman’s Circle, Lifetime President’s Club, Million Dollar Round Table, Court of the Table, Silver Scroll Qualifier, Crystal Excellence, Ambassadors for Life Qualifier, National Association of Insurance & Financial Advisors, National Sales Achievement Award. Ginny and her staff offer auto and home insurance in Boerne and the surrounding area. Please call State Farm Insurance at (830) 249-9505 or visit their website www.ginnythompson.com for a free auto and homeowners insurance quote.

They are also located at 217 East Bandera Road, Suite 1 in Boerne if you prefer to stop by.

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B oerne B usiness M onthly | October 2015

Thrive Early Learning Academy’s construction has broken ground!

They will be opening in the Spring of 2016. Director Staci Baros will be offering childcare to children ages 6 weeks to 12 years and setting curriculum for children ages 6 weeks to 5 years. Thrive Early Learning Academy will be located at 28A Sisterdale Road (FM 1376), Boerne. To find out more information at Thrive Earling Learning Academy, please feel free to call (210) 305-3650 and be sure to like their Facebook page www.facebook.com/ThriveEarlyLearningAcademy to keep up with their progress!

Coldwell Banker - D’Ann Harper Realtors’ Boerne office has moved to a new location at 1677 River Road. Coldwell Banker D’Ann Harper, REALTORS® is the leading real estate company in the San Antonio and South Central Texas area. With over 350 Real Estate Sales Associates and Employees, they are a full-service organization with a single-minded mission: Serve only the interest of the Client. Their philosophy is simple . . . honesty and integrity are at the core of their success. They do have luxury and farm and ranch divisions as well. You can call Vice President of Residential Sales Amy Thibodeaux and the Coldwell Banker - D’Ann Harper Realtors’ staff and sales agents at (830) 816-7200 and visit their website for agent and property listings at www.cbharper.com.

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Cow Creek Taxidermy and Game Processing is a familyowned service oriented business that specialize in complete deer processing, as well as the art of taxidermy. Owner Richard Schmidt and his staff promote, support and accent the hunting heritage of the community and their goal is to complete and enhance the hunting experience by providing a complete line of services for the successful hunter all at one location. You can find Cow Creek Taxidermy and Game Processing at 113 Ernst Road (off FM 1376), six miles north of Boerne, Texas. To inquire about their services please all (830) 537-4450 and for after hours www.cowcreektaxidermy.com.

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Boerne Art al Fresco is Boerne’s public art program. It is an outdoor, or “fresh air”, exhibit of public art. The program officially opened to the public on Saturday 19, 2015 an dis an exciting “art on loan” program, created by the City of Boerne and juried by the Public Art Competition Committee. The sculptures are located throughout our historic downtownknown as Boerne’s Hill Country Mile-and along Boerne’s Trail system, making discovery of each piece a walkable adventure for visitors and residents. Help pick “Boerne’s Choice” by voting for your favorite sculpture! The artist voted “Boerne’s Choice” will be recognized by the City at the close of the competition. Boerne’s Art al Fresco Public Art Competition is sponsored by the City of Boerne, Boerne’s Hill Country Mile in partnership with the Boerne Convention and Visitors Bureau. You can also view at the sculptures and vote online at www.artalfresco.org and by downloading and using the mobile app OtoCast.

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cover feature

Empowering Today’s Youth to Become Tomorrow’s Entrepreneurs

D

by Lauren Stumberg | photos by Beth Coyle

Did you ever have a lemonade stand as a kid? If so you probably remember how fun it was to be able to create a product, design a stand, make some posters, and don’t forget the best part – earn some money! However, what you probably didn’t realize when you were younger is that your lemonade stand was your very first attempt at starting your own business and trying out your entrepreneurial skills.

Lemonade Day began in 2007 as a result of founder Michael Holthouse’s vision to empower today’s youth to become tomorrow’s entrepreneurs through helping them start, own and operate their very own business…a lemonade stand. Lemonade Day is a strategic 14-step process that walks youth from a dream to a business plan, while teaching them the same principles required to start any larger company. Inspiring kids to work hard and make a profit, they are also taught to spend some, save some and share some by giving back to their community. Since it’s launch in 2007 in Houston, Texas, Lemonade Day has grown from serving 2,700

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B oerne B usiness M onthly | October 2015

kids in one city to over 800,000 children across North America.

Boerne hosted its very first Lemonade Day this year on May 3rd, 2015 and is already gearing up for their second one on May 1st, 2016. Lemonade Day Boerne is currently being made possible by the donations of its Presenting Sponsors, Texas Heritage Bank, Carol and Michael Bertuzzi, and Ron Warden – Edward Jones, as well as additional sponsorships from Anytime Fitness, Hill Country Memorial Hospital, Just Between Friends and its Community Partners, which include the City of Boerne, Boerne Independent School District and the Greater Boerne Chamber of Commerce.

Children of all ages, from pre-K through high school, can begin registering for Lemonade Day beginning in January of 2016. Those who register will receive a backpack with an informational workbook that outlines the steps needed to start and run a business. Optional classes will be held in the spring for students to have a chance to learn more about creating and operating their

own business. Kids learn to set goals, develop a business plan, establish a budget, seek investors, provide customer service, save for the future and give back to the community. Lemonade Day Boerne is the perfect opportunity for our community to train the next generation of entrepreneurs through a free, fun, engaging, and empowering activity.

“Our first year was a phenomenal success with over 300 children signing up to participate in Lemonade Day,” said Ariel Brooks-Stevens, Co-City Director of the Lemonade Day Boerne Board of Directors.

“Approximately 1/3 of the children set up booths on May 3rd (Lemonade Day 2015) and we had 24 registrants for the Best Tasting Lemonade Contest and 22 registrants for the Best Marketing/ Store Front Contest.”

In order for Lemonade Day Boerne to be a success, local businesses are being asked to participate by providing sponsorships, offering location sites for Lemonade Day booths, becoming investors, mentoring, and of course buying lemonade from these budding entrepreneurs!

Sponsorship are available at three different levels: You have the Main Squeeze sponsorship for $2500, the Fresh Squeeze sponsorship for $1,000 and the Lemon Drop sponsorship for $500, all of which offer great recognition and go towards the goal of making Lemonade Day Boerne great!

Monies in excess of Lemonade

Day’s expenses will go towards college scholarships to be awarded to Lemonade Day Boerne’s Entrepreneur of the Year and the Winner of the Best Tasting Lemonade contest. Lemonade Day Boerne Co-City Director, Kirsten Cohoon added, “Our first year we were able to award $1600 in scholarship money, for 2016 we would like to raise enough money to distribute $3,000 in scholarship funds.”

Sponsorship commitments are needed by December 15th, 2015.

The Lemonade Day Boerne Board of Directors consists of Kirsten Cohoon, Ariel BrooksStevens, Chris Christianson, Beya Jouini-Otieno, Stephanie Fox, Nikki Miller, Crisanne Zamponi, Heather Dickens, Lissette Jimenez, Jennifer Hudson, Ed Puente and Danny Zincke, all of which are committed to providing local youth with the life skills, mentorship and real-world experience necessary to be successful.

Lemonade Day Boerne is much broader than just one individual child selling lemonade from his or her stand. It’s a process that gets the whole community focused long term on investing in our youth and teaching them about business. It invests in the future of our youth by teaching them how to create their own jobs instead of just looking for employment. When local businesses get involved, they are teaching our youth how to become more like them – business owners and operators! BBM

For more information on how to participate in or become a sponsor of Lemonade Day Boerne contact Kirsten Cohoon at Kirsten@lemonadeday.org, Ariel Brooks-Stevens at Ariel@lemonadeday.org or call Crisanne Zamponi at the Boerne Chamber of Commerce at (830) 249-8000. boernebusinessmonthly.com

17

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B oerne B usiness M onthly | October 2015

Open now!

october CALENDAR OF EVENTS | cont’d october 15 GBCC Ribbon Cutting Ceremony for Lovorn & Ogle, PLLC 11:30am to 12:00pm 507 E. Blanco – Boerne GBCC Ribbon Cutting Ceremony for The Dienger Trading Co. 1:30pm to 2:00pm | 210 N. Main St. – Boerne GBCC Business After Hours Mixer Sponsored by GVTC 5:00pm to 7:00pm | 1221 South Main – Boerne october 16-18 The Texas Hill Country Invitational Art Show The best art show in the Hill Country!

See page 28 for event information! october 17 Family Campout and Fishing Event 12:00pm to 9:00am City Lake Park | 1 City Lake Rd. – Boerne, www.ci.boerne.tx.us/791/Family-Campout for more info!

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GBCC Ribbon Cutting Ceremony for Tile Studio 925 5:30pm to 6:00pm | 28721 IH 10 West – Boerne

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october 24 The All British Car Day Main Plaza | 100 N. Main – Boerne Boerne Boo Celebration 4:00pm to 7:00pm | Patrick Heath Public Library 451 N Main Street – Boerne Mule Rides * Balloon Sculptor * Face Painting * Arts & Crafts * Bounce House * Trunk or Treat * Costume Contest * Boo Cycle Contest Boo Cycle Contest - Decorate your bicycles for a Halloween Parade with prizes. october 27 City Council Meeting 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne october 31 Antique Tractor Pull 10:00am to 4:00pm | Ag Heritage Museum 102 City Park Rd – Boerne Harvest Moon Celebration 12:00pm | Muleshoe Farm & Ranch Trust 306 Highway 87 – Comfort $10 Adults, Children are Free Halloween Mega Party 5:00pm | The Roundup Beer Garden & Food Park 531 FM 3351 N. – Boerne Trick or Treat Candy Stations throughout the entire park, Pony Rides,Tractor Hay Rides, Pumpkin Carving, Face Painting, Costume Contests & Prizes, Games, and even Live Music by the Almost Patsy Cline Band!BBM

Niessa Meier RN, CNM Certified Nurse Midwife

Clint Morris, MD Orthopedic Surgeon

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boernebusinessmonthly.com

19

giving back

I

In the July issue, BBM profiled the newly formed Boerne Community Coalition, whose goal is to ensure meals are provided to local children suffering from food insecurity during the summer months when school is not in session.

These are children who depend on the Federal Meal Program during the school year for their breakfast and lunch each weekday. Unfortunately, even during the school year, many also suffer from hunger on the weekends. That’s when an organization called Blessings in a Backpack (BIB) steps in to bridge the gap. BIB provides food for the weekend throughout the school year to help lessen the effects of food insecurity on our community’s most vulnerable citizens.

Blessings in a Backpack is a national nonprofit with chapters in forty-four states, including

other locations in Texas. The Boerne Chapter was founded three years ago by Kathy Bandujo, who knew from previous volunteer work that Boerne had a significant hunger problem that was under the radar of most residents in our affluent community. She was quickly joined in this effort by good friend and co-chair Karon Shouse. After receiving approval from BISD Superintendent David Stelmazewski, who wholeheartedly supports the program, it was piloted at Cibolo Creek Elementary at the beginning of the 2013-14 school year. Due to the generosity of many groups, organizations and individuals, BIB was able to begin serving the neediest children at Fabra and Curington elementary schools later that same year and then expand to the remaining two elementary schools, Kendall and Fair Oaks, by the second year.

The 2015-16 school year will see the program expand even more. “We’ve been very conservative for the past two years with the numbers of children we serve due to funding. We asked the schools for ‘the neediest of the needy’,” said Bandujo. “But this year, we told them to give us every child in need. We’re stepping out in faith that the funds will come.”

The chapter is also working on becoming part of a buying cooperative with other backpack programs across the state through a large food distributor. This will enable them to provide milk, which is something they hadn’t been able to afford. “We can get shelf-stable single-serve cartons of milk through this distributor for less than half of what we could otherwise,” said Bandujo.

“Most of ‘our’ kids don’t get enough milk. If we can provide two servings each weekend, we can significantly increase their nutrition. It will increase our cost per child, but we think it’s worth it.”

Each BIB chapter operates independently and must raise the funds to purchase all the food it provides. The Boerne chapter is all-volunteer; there are no paid staff or offices. “It’s just a couple of moms working out of their homes and a great group of volunteers who show up every week to help pack the food,” said Shouse. PTO volunteers from each school handle bag distribution to the teachers, who slip the food bags into the backpacks of the children when no students are in the classroom. This ensures that no child is singled out or embarrassed.

Every penny raised by BIB is used solely to purchase food for the children. All donations are tax-deductible since BIB is an approved 501(3)c non-profit. It costs approximately $150 to support one child for the entire school year. If you would like to contribute, please go to www.blessingsinabackpack.org and designate the Boerne, TX chapter for your donation. If Co-Chairs Kathy Bandujo and Karon Shouse with Mayor you’d like to volunteer or want more information, please feel free to contact Kathy Bandujo at Schultz at a Hunger Action Month event Friday, Sept. 18 210-862-8484 or Karon Shouse at 830-446-1618.BBM at Boerne’s Main Plaza.

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B oerne B usiness M onthly | October 2015

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B oerne B usiness M onthly | October 2015

your s pace

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THIS SECTION: real estate education | local news and statistics

art | Mooney Makes Sense: Come One, Come All...

To the Texas Hill Country Invitational

real estate news | • Housing Bubble?

• International Buyers Add $8.32

Billion to Texas Economy boernebusinessmonthly.com

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B oerne B usiness M onthly | October 2015

Serving our Friends and Neighbors of the Hill Country Since 1916

real estate education

A

by Naomi Weckesser

ALERT: Everyone seemed to be scrambling to close on their home or trying to figure out “what’s next” because of the new rules that went into effect on October 1st from the Consumer Finance Protection Bureau. Be sure to get with your knowledgeable Real Estate Agent to find out more. The most important measure is to keep everyone in the “loop” because timelines will be crucial with selling, buying and moving.

In local real estate news, there were 419 Active single family homes for sale in Kendall County and reported as of 9/28/15.

It is very hard to find anything below $150,000, however the lowest list price was $139,500. The highest list price was $7,950,000.00 as of 9/28/15.

From the beginning of the year 2015, there were 465 sold and closed single family homes in Kendall County. The average price was $407,798 and the average days on the market were 152. There were only three single family homes sold that were sold below $100,000 in Kendall County during that same period. The highest “sold” price was $2,090,000 and it was only on the market for 7 days.

Make sure to contact your locally informed Real Estate Specialist to find out what properties might be right for you or to assist you with selling your current residence.

The statistics reported here were provided by SABOR MLS as of 9/28/15 and are deemed reliable, and do not include all of New Construction listings or For Sale by Owner listings.BBM Naomi Weckesser is a TAR Faculty Instructor.

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Johns Rd.

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10 87

46

Balcones Creek Map not drawn to scale.

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87

Community Features: • • • • •

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at Balcones Creek Homes $ from the

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In the San Antonio division, prices, plans and specifications are subject to change without notice. Map is an artist’s conception for general information purposes only and is not to scale. Photographs are for illustrative purposes only. Information believed to be accurate but not warranted. See sales counselor for details. © 2015 RH of Texas Limited Partnership. RS1319

26

B oerne B usiness M onthly | October 2015

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art |

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B oerne B usiness M onthly | October 2015

Phillip Bell

& Assoc., llc

• Energy Efficient • Water Conservation

LAND

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210.415.8483 pbell@texas.net

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Pre-Development 12 Ac IH-10 Access Rd in ETJ 34 Ac IH-10 Access Rd in ETJ 28 Ac Hwy 87 & Shooting Club Rd Zoned "I" (210) 415-8483 – Call for Details pbell@texas.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.

LAND SALE for

in the new

INDUSTRIAL ZONE

34± acres: This property at 7 Becker Ln is offered for potential development. Located behind Ingram Readymix, with50 ft. easement fronting on IH-10 access road.There are two family homes and various out-buildings on the property with two wells and three septic systems. The 34+/- acres is not in the City limits but is in the ETJ. Ideal for light, industrial development. Electricity is available from Bandera Elect. Co-Op. Water and sewer service available from Kendall Utility. Survey, plat and aerials are available.

Call for details. $2.00/Sq. Ft.

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.

other unlisted commercial properties available!

real estate news |

Housing Bubble?

RELOCATING? We can help you with that!

Call 2nd Qtr Award Winners* To Sell or Buy Real Estate!

A

reAl estAte Center's chief economist doesn't think so...

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

Real Estate Office: (830) 755-8693 30

A recent report from CoreLogic said that five of the 14 most over-valued housing markets in the country are in Texas. But that doesn't mean the Lone Star State is in a housing bubble, says Real Estate Center Chief Economist Dr. Jim Gaines.

“We don’t think we are in a price bubble, but we are well aware that home prices have been increasing at almost twice their normal annual rate of increase for the last several years,” Gaines told HousingWire, an online mortgage industry news source.

“When you bring people and jobs, that creates a heavy increase in the demand for housing, rental and owned,” Gaines said, alluding to

A

the jobs created by the state's oil and gas boom.

But he added that land development and construction are slowing because of new lending restrictions.

“Over the last several years, the demand started going up much faster than the supply could keep pace with,” said Gaines. “For example, all of our housing markets are reporting significantly low volumes of homes being listed for sale relative to the demand. A normal market would have six months of inventory, while we are running at a three-month inventory.

“Bottom line, we don’t think there is really a bubble,” he said. BBM

International Homebuyers Add $8.32 Billion to Texas Economy

According to a new report from the Texas Association of Realtors (TAR), Texas homes purchased by international homebuyers added $8.32 billion to the Texas economy between April 2014 and March 2015.

Homes purchased by international buyers accounted for 4 percent (209,000 sales) of all U.S. home sales and 8 percent ($104 billion) of total U.S. home sales dollar volume. This is a 10.15 percent decrease in international home sales but an 11.4 percent increase in international home sales dollar volume from the same time last year.

Approximately 8 percent (16,720 sales totaling $8.32 billion) of this activity occurred in Texas — a 4 percent decrease from the same time frame last year.

For the first time since TAR has been publishing this report, homebuyers from Latin America (including Mexico) were not a clear majority of international homebuyers in Texas, comprising only 41 percent. Meanwhile, homebuyers from Asia/Oceania (including China) doubled from 18 percent from April 2013 to March 2014 to 31 percent from April 2014 to March 2015.

Texas homebuying activity among European and African buyers was up from 9 percent to 15 percent and 4 percent to 8 percent, respectively. Meanwhile, Texas home sales to Canadian homebuyers decreased slightly from 5 percent to 4 percent.

Naturalized U.S. citizens in Texas continue to be significantly more likely to own a home than their native counterparts. Three in four naturalized U.S. citizens here are homeowners compared with only 63 percent of native citizens in Texas. This trend does not apply nationally, where homeownership rates among naturalized and native U.S. citizens are virtually equal. However, non-U.S. citizens are 11 percent more likely (44.3 percent vs. 33.3 percent) to own a home in Texas versus nationally. BBM

Information courtesy of Texas Association of Realtors and Real Estate Center Online News

B oerne B usiness M onthly | October 2015

222 S. Main | Boerne, Texas

830.249.7979

www.hillcountryproperties.net PRICE REDUCED!!

44.73 acres - 1606 Oakridge Lane – Pipe Creek

Oakridge Lane is aptly named as one is truly surrounded by a ridge of gorgeous mature oaks. This property is an ideal 2nd home/retreat/recreational space located in close proximity to San Antonio & Boerne. A comfortable, updated family home w/room for outdoor living, raising livestock, 4-H projects, gardening & enjoying nature. Two level ridges provide incredible views for pure sunset watching or perhaps envisioning future home sites.

Cleared of cedar, fenced & cross-fenced w/usable soil & pasture. The complete setting of farmhouse, barn & swaying grasses takes you back to simpler days when time passed by very slowly.

224 leather leaf – English oaks subdivision

Soaring ceilings and Texas size rock fireplace. Open floor plan with first floor master suite. Granite countertops throughout, Alder wood cabinetry. Tile floors downstairs except master bedroom. Gorgeous stained concrete patio area with outdoor built in grill. Lovely landscaped yard. Huge game room with 3 bedrooms upstairs. Immaculate and well maintained home in English Oaks.

MLS#1131207 | $349,900 Contact Sara Baird – (210) 317-9996

$1,255,500 Contact Carol Schultz – (210) 268-3691

PRICE REDUCED!!

107 Deer Trail – Ranger Creek Subdivision

Lot 30 Prado Crossing – Spring Creek Estates

Tranquil Setting tucked in the trees over-looking a seasonal creek. This 3/2/2 home has so much to offer! Private .488 acre lot with 3 zip lines, full size tree house, 2 green houses, storage building, 5000 gal water catchment system, updated baths and kitchen, Genie shelving in the kitchen cabinets, Plantation shutters through-out, 2 additional cedar lined closets in garage, Hi fenced back yard, and so many more upgrades. This property feels like your own private tree house with all of the added amenities!

LOCATION! LOCATION! LOCATION! Spring Creek Estates is located just a few miles from Boerne High School, and offers acreage custom home sites.

It is rare for property to become available in this small, quiet subdivision with easy access to town AND the spaciousness and privacy of country living.

Reasonable (yet quality) restrictions, no time frame to build, and CHOOSE YOUR OWN BUILDER. This property has a level building site near the front, great elevations for views, and a serene area full of Live Oaks.

MLS#1135241 | $259,900 Contact Scarlett Wolter – (210) 254-7414

MLS#1124431 | $225,000 Contact Karen Mathison – (830) 446-9134

Experience • Skill • Dedication

boernebusinessmonthly.com

31

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