Boerne Business Monthly - September 2016

Volume 9, Issue 3: September 2016

BOERNE business monthly

Learning Foundations of Boerne Helps Children with Learning Challenges and Other Needs

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KENDALL COUNTY ABSTRACT COMPANY: 100 YEARS OF SOUND PROPERTY TRANSACTIONS PURCHASING A VEHICLE THROUGH THE EYES OF A CPA LOCAL NEWS & INFO

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publisher's note

S

September is here! School is officially back in session and summer is winding down quickly.

The temperatures have already begun to cool a bit and we will welcome the first day of fall on September 22nd. My how this year is flying by!

With school starting back up we thought it would be a perfect time to feature Learning Foundations, a great local resource for helping students with learning challenges and other special needs. To learn more about the services they offer or to get info on attending one of their free parent seminars, turn to page 16.

This month we also feature Kendall County Abstract Company. 2016 marked their 100th year in business! Wow! Check out the article on page 8.

Also in this issue, we learn more about Idunna’s Harvest’s new Beauty Squad, Sue Ann Satterfield of ADKF gives us a look at buying or leasing a new car through the eyes of a CPA and Dr. Michael Garcia of Boerne Wellness Chiropractic gives us a closer look into pinched nerves, just to name a few!

We hope have a fabulous September!

Lauren T. St umberg Publisher

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

WWW.BOERNEBUSINESSMONTHLY.COM

contents

September 2016

08:

feature Kendall County Abstract Company: 100 Years of Sound Property Transactions

by Joe Lilli

12:

accounting Purchasing a Vehicle Through the Eyes of Your CPA

by Sue Ann Satterfield, CPA – ADKF

14:

calendar of events

16:

cover feature Learning Foundations of Boerne Helps Children with Learning Challenges and Other Needs

by Joe Lilli

19:

event

20:

ribbon cuttings

21:

jobs

23:

beauty

24:

wellbeing

Financial Peace University

Texas Job Growth Review Idunna’s Harvest Introduces The Beauty Squad Breaking Down a Pinched Nerve

by Dr. Michael Garcia, DC

26:

finance Are We at the Beginning of a Bull Market?

by Karl Eggerss

28:

art

30:

newsworthy

Mooney Makes Sense: Western Romanticism

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Boerne Business Monthly is published by Distinct Media, LLC, copyright 2016. Reproduction is strictly prohibited without prior consent of the publisher. Opinions expressed in Boerne Business Monthly are those of the writers or sources and do not necessarily represent the views of the publisher, nor do they constitute the endorsement of products or services herein. Although the information and recommendations in this publication have been compiled from sources believed to be reliable, Boerne Business Monthly makes no guarantee as to, and assumes no responsibility for, the correctness, sufficiency or completeness of such information and recommendations.

COMMERCIAL SPACES AVAILABLE!

For Sale:

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16 CHAPARRAL HILL DRIVE – 5 ACRES W/HOUSE Remarkably kept 1960's style one story home on over 5.5 acres within the City's ETJ. There is an additional 643 sq. ft. not listed on the Appraisal District - making the home over 2,800 sq. ft. Incredible investment opportunity for possible development in the near future after annexation. $495,000

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SEVEN OAKS: 138 OLD SAN ANTONIO RD A quaint and Charming Professional Office Park designed to meet the needs of the Booming Hill Country Market near Boerne, Texas. This development will include ample Parking w/Lighted areas. This Prime location is Perfect for your Professional Office and Medical Space needs. Spaces starting at 541 sf to 6,500 sf. Call for Site plan and rates. Call for Pricing.

WATER STREET BLDG: 128 W. BANDERA – 900 SF Awesome Location for your business, perfectly set up for Physician office, Hearing aid office, Doctors office. 3 sep offices, Lobby area/waiting area. Receptionist office, with walk up window, Rear exit door. Good signage available. $1700/Month 31134 IH 10 WEST: OFFICE BLDG – 1800 SF Great Boerne Location with Incredible Visibility from IH-10, 50,000 VPD. Former Mortgage Co. office HQ, 2 front doors, 4 Separate offices, 2 bathrooms, Large conference room, Reception area, waiting area in front, Copier room. Beautifully appointed with Wood floors, neutral colors, wired for Internet.

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GARDEN OAKS: 136 OLD SAN ANTONIO RD – 900SF & 1070SF Office Condos located just North of the 10 Screen Movie Theater in Boerne, TX. One story, Stucco, Metal Roof Office Spaces now available, interiors finished out with 10 ft ceilings; tile, carpet, granite tops in kitchenette, refridgerator, lots of cabinets and storage. Easy Access to IH-10 and Downtown Boerne. Perfect for Medical, CPA, Real Estate, Attorney, Insurance, Professional services. $1.85 psf Plus Elec/Internet.

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Eric Debner 512-576-5744

boernebusinessmonthly.com 7 Boerne, Texas 78006

RESIDENTIAL • COMMERCIAL • INVESTMENT

River Road, Ste. 300 1018 RIVER ROAD, STE 300 | BOERNE, TX 78006 1018 | WEBSITE: MANGUSREALTYGROUP.COM

feature

W

100 Years of Sound Property Transactions

by Joseph Lilli | photos by Ron Pritchett

When asked what the Kendall County Abstract Company does, owner Mike Lang has a succinct answer. “We provide peace of mind.”

Peace of mind?

“Real estate purchases are usually very large and for most people buying a home is THE largest financial transaction they will ever encounter,” Lang declares.

“Most property transactions go smoothly, but about 25 percent have problems we have to fix. That’s why the abstracting process is crucial for sound transactions.

The last thing a property owner wants is to be notified

that someone is asserting that they have rights in his or her property.”

He explains that without a complete and accurate history on record, the property owner is vulnerable to unexpected issues, such as taxes owed, unknown heirs, or mistaken property boundaries. Because of such potential situations, his company offers title insurance to protect the insured from potential losses related to such issues.

“We look back at the history of the property and find everything that we can that affects the property that’s

pictured above: Mike Lang, Owner of KCAC and Ashley Pfeiffer, Manager of KCAC

8

B oerne B usiness M onthly | September 2016

filed in the public records. We then provide these findings to the prospective buyer and the owner in the form of a Title Commitment,” he says.

Once the buyer and seller agree on issues that can affect the property and the seller has clear title to the property, they issue title insurance for that property. Title insurance protects the buyer against losses due to claims against the property that could surface later from issues that were not in the public records.

Lang likens title insurance to a warranty on a used car. Before the dealer puts a used car on his lot with a warranty, he has his auto mechanic carefully inspect and repair any issues that could cause the buyer to bring back the car for repairs.

“Having to take a car in for repairs is inconvenient, but with real estate, you usually have to go to court to settle disputes over property rights and that goes beyond inconvenient.

We try to make sure that never happens to one of our clients,” Lang remarks.

IMPORTANCE OF TITLE INSURANCE Despite Kendall County Abstract Company’s exceptional diligence, however, unknown problems can sometimes surface when clients don’t tell them everything or

issues arise that are not filed of record.

He recalls the instance when a mother with two children was in the office for a closing involving the death of her spouse who had died without a will. The mother had provided an Heirship Affidavit that had been signed by neighbors who had known her for several years since she moved into the house she was selling.

The closer, looking at the Affidavit, asked her, “Are these your only two children?”

When the mother replied, “Yes,” her son blurted out, “What about Tommy?”

The mother then admitted she had another son who was born out of wedlock and had been adopted at birth by another family long before she moved to Texas.

Since Tommy was a child of the mother and, in the given situation, had heirship rights, he could surface years later and claim an interest in the property.

There was also the time a lady and her husband sold a home, but six months later a gentleman came in wanting to know why he had received a payoff on his mortgage. He was told that he and his wife had sold the property.

He said, ‘No, I didn’t.’

It appears the lady had brought in an imposter with fake identification to pose as her husband. She was tracked down in New Orleans and brought her back to Texas where she was tried for fraud.

Meanwhile, since the unsuspecting purchaser of the home that the couple sold was not the rightful owner, the title insurance paid the value of the home.

VAST RECORDS DATABASE One thing that distinguishes Kendall County Abstract Company from most title companies is its “plant,” that is, the database of Kendall County public records.

The Texas Department of Insurance requires a title or abstract company to have a plant that goes back 25 years from the date of its application. Companies with records going back 25 years have what’s called a “Thin Plant.”

The Kendall County Abstract Company, founded 100 years ago, has what’s called a “Sovereign Plant.” Its records database goes back to 1856 when Kendall County was continued on page 10

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continued from page 09

created, with some records even prior to 1856.

Lang notes that this vast wealth of records proves its worth when dealing with rural property transactions.

“We sometimes deal with issues on properties that have been owned by families over several generations and that go back to the turn of the century or earlier. Our records enable us to go back to when those families acquired the property and resolve those issues.

“Title companies with a Thin Plant can’t go back that far. In fact, most title companies have no plant in their actual office and are really just closing offices. Their plant is in some other location. That’s one advantage we have over most title companies,” he says.

SHOW ME THE MONEY Besides insuring title to the property, another function performed by Texas Title Agents is the Escrow, or handling the funds during the closing. In many states, this process is split

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B oerne B usiness M onthly | September 2016

and you have to get title insurance from one company and then have your closing performed at another. You get to pay twice!

The model adopted by the Texas Department of Insurance (TDI) since the 1870s has been that title agents are required to handle the money as well. This role used to be fairly simple. The buyer brought in a Cashier’s Check and everyone was paid from those funds.

“Thanks to our advances in electronics and the popular use of electronic media for money movement and communications, title companies now have to be much more diligent in the handling of their customers’ funds. Kendall County Abstract Company uses every precaution in handling funds – from internal controls as demanded by TDI, to the latest safety mechanisms provided by our banking partners. We understand the trust being placed in us by our customers, and we take all steps available to warrant that trust,” Lang says.

A STELLAR REPUTATION Lang, who left a career in banking, joined his wife Laurie Lang at the company in 1997 to take over the business management duties. When the previous owner, Gordon Hollon, passed away in 2002, the Lang’s purchased the company from his estate.

After Laurie passed away in 2008, Lang became sole owner of the company.

Lang and his staff of 15 professionals take their job very seriously. They know that for many individuals, buying property is usually the biggest investment they’ll ever make.

“For that reason, it’s very important to deal with people you know and trust, and who are responsive to your needs. Our company has been here for 100 years, so it’s a good indication we’re treating our clients right and have their best interests at heart,” he adds. BBM

www.kcac.net

5th Annual Turkey Trot BOERNE FAMILY YMCA

RUN HARD GIVE THANKS

November 19, 2016

Race Starts at 8am at Boerne City Plaza (100 North Main Street)

5k & 10k Fun Trail Walk

Free Youth Mini Race (will receive participation ribbons) All proceeds go toward our Y Partners Campaign to help strengthen our community.

Register online at ymcasatx.org/boerne Registration is also available at the branch.

1361 S. Main • Boerne, TX 78006 • 830.815.1040

You’re frustrated, and so is your attention problems such as Dyslexia and Brain research shows these skills child. Classwork and homework by ADHD are caused by weak underlying can significantly improve now are a daily struggle of tears and learning skills. yelling. Your child is falling behind, Weak underlying learning skills can be and the school is clueless as to how to identified using a cognitive skills solve the problem. assessment.

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You have tried tutoring and hours of homework, but it seems like nothing Learning Foundations: 45 years of has worked. experience, now in Boerne.

So why DO smart kids struggle in school?

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

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

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

11

accounting

Purchasing a Vehicle THROUGH THE EYES OF A CPA

A

by Sue Ann Satterfield, CPA Are you thinking about acquiring a new vehicle?

Alternatively, if you end up purchasing After taking a look at your budget, financing options, the vehicle personally, you can still benefit from comparing gas mileage and safety features, your next expensing your business use, but it must be done on step involves deciding how to purchase the vehicle. your personal return. To accomplish this, you must Some key questions are: track both your business mileage as well as your • Have you considered if it should be a company commuting mileage. or personal vehicle?

• Is it better to purchase or lease a vehicle for my PURCHASE OR LEASE A VEHICLE FOR business?

A BUSINESS? • How exactly do I benefit if I buy it through the The decision to purchase or lease a vehicle is company? based on several factors, including how many miles Buying a vehicle may be overwhelming but it’s you drive, how long you keep the vehicle, whether important to do your due diligence, which could add your vehicle will be subject to rough treatment, and to a larger deduction on your tax return. the financing options available.

If you are purchasing the vehicle from a PERSONAL OR COMPANY VEHICLE? business perspective, the difference will be a purGenerally, if the vehicle is used predominantly chase is expensed through depreciation and a lease (at least 80%) for business purposes, it should be is expensed through lease expense. Depreciating owned by the business. The business will be respon- a vehicle in the IRS tax code allows taxpayers to sible for making the payments on the loan, paying accelerate the expensing of the vehicle. Leasing a for insurance and registration, and will get the vehicle allows taxpayers to expense only the lease benefit of the expense on the business’s tax return. payment with one caveat: When you lease a vehicle

12

B oerne B usiness M onthly | September 2016

within your business, you will have to include a small amount of income in your W-2, based on the value of the lease. Both options allow taxpayers to expense all costs of maintaining the vehicle: repairs, insurance, gas, etc.

DETERMINING THE DEDUCTION: Standard or Actual Expenses

You can generally calculate the amount of your deductible car expense by using one of two methods: the standard mileage rate method or the actual expense method. If you qualify to use both methods, you may want to figure your deduction both ways to see which one gives you a larger deduction. Keep in mind the cost of commuting is not deductible nor is it included in the calculation of business miles.

The standard mileage rate method uses a simple formula of business miles multiplied by the standard rate to arrive at the deduction. All of the costs associated with owning and operating the vehicle are factored into the rate. The standard mileage rate was 57.5 cents per mile for 2015 and 54 cents per mile for 2016.

To use the actual expense method, you must determine what it actually costs to operate the car, including gas, oil, repairs, tires, insurance, registration fees, licenses, and depreciation (or lease payments) attributable to the portion of the business miles driven.

DEPRECIATION

The largest actual expense of a purchased vehicle is depreciation. The calculation is complex and riddled with limitations, but your tax advisor can help you navigate the labyrinth.

Depreciation is generally an allocation of the costs over a prescribed number of years. Most vehicles will be depreciated over five years according to current IRS guidelines. Although some vehicles may qualify for additional expensing in the first year of purchase, some up to 100% of the cost of the vehicle!

Depreciation limitations are categorized into five categories – passenger vehicles, light trucks, heavy trucks, qualified nonpersonal use vehicles, and SUVs. Regardless of how much your passenger vehicle or light truck costs, the maximum expense is $11,460 for 2015. Heavy trucks and qualified non-personal use vehicles are not subject to depreciation limitations but must meet specific criteria (based on weight, length of truck bed, attachments, and other factors) to qualify. The maximum 2015 expense for an SUV is $25,000 in the first year. With the $25,000 limit, it is entirely possible to expense an SUV in the first year of purchase. The business use percentages will apply to the total depreciation deduction.

The first step in determining how to treat your vehicle purchase is to estimate how much you will use your vehicle in your business. After that, the questions regarding whether it should be a personal or company vehicle, whether it should be purchased or leased and how to determine your deduction should be discussed with your tax advisor. At Akin, Doherty, Klein & Feuge, P.C., will be happy to meet with you and assist you with the best possible outcome. Contact us at 830-815-1100 for more information.BBM Sue Ann Satterfield graduated from the University of St Thomas in Houston with an BBA/MBA in accounting. She has been a Certified Public Accountant since 2002. Sue Ann is a tax manager at Akin, Doherty, Klein, & Feuge (ADKF) and specializes in working with small business owners.

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boernebusinessmonthly.com

13

September 2016 CALENDAR OF EVENTS

EVERY SATURDAY THE FARMERS MARKET AT THE CIBOLO 9:00am to 1:00pm | 33 Herff Road – Boerne Shop fresh local produce, farm fresh eggs, breads, jams, jellies, local honey and Texas Hill Country arts & crafts at the historic Herff Farm at the Cibolo Nature Center in Boerne. Enjoy free live music, gardening classes, cooking demonstrations and children’s craft activities, too.

SEPTEMBER 9-24 THE 39 STEPS Boerne Community Theatre 907 E. Blanco Mix a Hitchcock masterpiece with a juicy spy novel, add a dash of Monty Python and you have The 39 Steps, a fast-paced whodunit for anyone who loves the magic of theatre. A riotous blend of virtuoso performances and wildly inventive stagecraft,The 39 Steps amounts to an unforgettable evening of pure pleasure.

Visit boernetheatre.org for ticket prices and showtimes.

SEPTEMBER 5 LABOR DAY

SEPTEMBER 8 GBCC RIBBON CUTTING CEREMONY FOR BANDERA ELECTRIC COOPERATIVE, INC. 1:30pm to 2:00pm 1201 South Main Ste. 101 – Boerne GBCC BUSINESS AFTER HOURS MIXER SPONSORED BY TEXAS RANCHES FOR SALE & TEXAS INVESTORS TITLE 5:00pm to 7:00pm | 116 W. Blanco Rd. – Boerne STAR PARTY 8:30pm | 33 Herff Road – Boerne Bring your family to the Herff Farm to gaze at planets through high-powered telescopes and learn about our fascinating universe. The San Antonio Astonomical Society will be bringing their powerful telescopes and sharing their rich knowledge. "Martian Sunrises" (Tequila, O.J. and Grenandine) will be served! $10 per person, $5 for kids over 12 SEPTEMBER 10 KUHLMANN-KING MUSEUM TOUR 10:00am to 3:00pm 402 E. Blanco – Boerne Located behind Boerne City Hall the Kuhlmann-

King house gives the public the opportunity to step back in time to see what a historic Boerne home looked like “way back when.”

SECOND SATURDAY ART & WINE 5:00pm to 8:00pm | Galleries in Boerne See what’s happening with the art scene in Boerne!

SEPTEMBER 10-11 BOERNE MARKET DAYS 10:00am to 5:00pm | Main Plaza 100 North Main – Boerne Main Plaza comes alive with great shopping in an outdoor setting!

SEPTEMBER 12 KENDALL COUNTY COMMISSIONERS COURT 9:00am to 11:00am Kendall County Courthouse 201 E. San Antonio Ave. – Boern SEPTEMBER 13 CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne

FREE “POP UP” CLASSES

Join us September 17th at the Main Street Plaza with TWO OPPORTUNITIES to try our addictive workout at 8:30 am or 10:15 am This free event is open to the public.

Reserve your spot online at

www.eleganceandlife.com Bring a mat and a friend!

Smoothie King will be on hand, providing delicious samples.

STAY TUNED ON FACEBOOK FOR MORE “POP UP” CLASSES IN YOUR NEIGHBORHOOD!

14

E + L BARRE STUDIO

Designer Athleisure Apparel & Lifestyle Boutique Shop the Lounge Mon. - Thurs. 9am-5pm & Fri. - Sat. 9am - 2pm Reserve your mat for class at www.eleganceandlife.com info@eleganceandlife.com | 412 River Road, Suite 104 | Boerne, TX 78006 | 830-331-8939

B oerne B usiness M onthly | September 2016

SEPTEMBER 15 GBCC RIBBON CUTTING CEREMONY FOR THE TEXAN HOUSE 4:30pm to 5:00pm 137 Old San Antonio Road – Boerne SIP AND SAVOR 6:30pm to 9:00pm | Cana Ballroom 202 W Kronkosky St – Boerne Cost: $75 A savory event highlighting 25 area restaurants, wineries & distilleries. Each vendor will feature a specialty item of their choice to serve. All proceeds will benefit the Kendall County Women's Shelter.

SEPTEMBER 17 CONCERT IN THE CAVE-FALL EQUINOX WITH CELEBRATION CIRCLE 7:30pm | Cave Without a Name 325 Kreutzberg – Boerne Enjoy an eclectic mixture of contemporary acoustic music, soaring vocal harmonies, and a percussive, tribal/world-beat vibe performed on an unusual mix of ancient and modern instruments - as well as periods of stunning silence, total darkness, and upbeat, contemplative meditation.

SEPTEMBER 18 GBCC RIBBON CUTTING FOR FABRA ELEMENTARY SCHOOL 2:00pm to 4:00pm | 723 Johns Road – Boerne SEPTEMBER 22 GBCC BUSINESS AFTER HOURS MIXER SPONSORED BY TAPATIO SPRINGS HILL COUNTRY RESORT 5:00pm to 7:00pm | 1 Resort Way – Boerne

We’re Here for You.

Cibolo Family Medicine provides quality care at your convenience - a practice without time constraints, with a doctor who is accessible when you need her.

Schedule a Free Consultation Call (830) 428-2500 EXCEPTIONAL QUALITY Dr. Stuart spends far more time with you to understand and investigate your concerns.

SEPTEMBER 24 OKTOBERFEST AT RANDOM 5:00pm | 11 Upper Cibolo Creek Rd. – Boerne Join the folks at RANDOM on September 24th as they celebrate Oktoberfest the Random way! Live music, monster bounce, more beers than you could imagine and food trucks that are to die for!

TRADITIONAL CASK TAPPING & LIVE MUSIC AT 6PM

SUPERIOR CONVENIENCE Dr. Stuart can see you today, and is available by email and phone, even after hours.

SEPTEMBER 27 CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne

We also offer quality medical care for businesses and their employees.

SEPTEMBER 29 GBCC RIBBON CUTTING CEREMONY FOR HAMPTON INN & SUITES AT BOERNE 4:00pm to 5:00pm | 34935 IH-10 W. – Boerne

211 N. Main St. in Boerne

CiboloFM.com

SEPTEMBER 30 GBCC MEMBER ORIENTATION SPONSORED

BY HC CRYOTHERAPY 11:30am to 1:00pm | 121 South Main – Boerne BBM

Do You Have an Upcoming Event You Would Like Us to Include in Next Month’s Calendar?

Email Us at lauren@distinct-graphics.com

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

15

cover feature

LeArning FoundAtions of Boerne Helps Children with LeArning ChAllenges And Other Needs

S

by Joseph Lilli | photos by Ron Pritchett

Since it was founded in 1969 by Fran Tarkenton, former NFL quarterback for the Minnesota Vikings, Learning Foundations has thousands of wonderful, heartwarming stories of helping children successfully overcome dyslexia, ADHD and other learning or attention challenges.

One such story involves a 9-year-old adopted boy named Nathan.* When Nathan was in third grade he struggled with math. Concerned, his parents sought help from Learning Foundations in Boerne.

Their Director of Assessment evaluated Nathan and discovered his difficulty with math wasn’t simply a learning issue. There were underlying problems due to the boy’s lack of cognitive and neural development.

As part of the initial consultation process, the parents mentioned that they had adopted Nathan from Russia. Like many adopted children, he hadn’t received much stimulus early on in the orphanage.

The lack of stimulus stunted his full development, leading to behavioral and coordination challenges. For instance, if another child confronted him in any way, he either broke down or resorted to punching the child. At home, he often wet the bed.

To enable him to gain control of his behavior and emotions, Learning Foundations trainers worked with Nathan one-on-one using music therapy and a customized cognitive training program that focused on body control, body and behavioral awareness, and mindfulness.

Five months after starting the program, his mother reported Nathan no longer had behavioral problems at school and no longer wet the bed.

She reported that he had gone to camp the previous summer, but they often received calls from the camp saying Nathan was either fighting or suffering meltdowns.

The next summer, however, his behavior was exemplary.

Meanwhile, his grades and motivation in school improved considerably. He was no longer having difficulty with math.

Rafael Scarnati, Executive Director of Learning Foundations of San Antonio and Boerne, says that when parents seek help for a specific academic problem, they often find other underlying issues that actually cause the problem.

These issues usually deal more with the child’s cognitive and neural development, as opposed to a lack of intelligence or just being lazy.

Boerne LocAtion

Prior to April 2015, families had to travel to Learning Foundations in San Antonio. To accommodate the large number of students coming from Boerne, Scarnati opened a Center last April at 215 West Bandera Road in Boerne.

When parents bring their child to the Boerne facility, Center Director Ruth Heller begins with a

pictured above: Rafael Scarnati, Executive Director of Learning Foundations of San Antonio and Boerne

16

B oerne B usiness M onthly | September 2016

free consultation. She’ll assess the parents’ concerns about the child so that she understands what needs to be evaluated.

“From there, Ruth will recommend an initial evaluation for the student. This can be anything from a dyslexia evaluation, where we try to determine if a student’s reading and spelling challenges are actually caused by dyslexia, to a more general test of cognitive skills, such as memory, attention, logic and reasoning, and other processing skills,” Scarnati says.

“We also host a free, no-obligation parent seminar on Monday nights at our San Antonio location (2817 Thousand Oaks). It starts at 6:30 p.m. and runs to about 8 p.m.”

After a short presentation, parents can ask questions and are given an opportunity to schedule an evaluation.

“After the evaluation, we look at the test results and compare that to the parents’ objectives for their child. We use that information to customize a specific training protocol for the child,” Scarnati adds.

All training by Learning Foundations is individualized to the child and includes oneon-one training. The amount of time a child spends at the Center (anywhere from four months to two or three years) and the kinds of exercises the student does depends on what the child needs. No matter what specific exercises they are working on, it is always delivered in a fun and friendly environment designed to make the child feel successful.

The Boerne facility is open year-round

for families and throughout the day to accommodate both home-schooled students as well as students who attend local schools. Summer programs are also available.

Music TherApy ProgrAm

One of the new programs Learning Foundation now offers is music therapy called The Listening Program.

“This is a specialized selection of classical music and nature sounds that are recorded and digitally enhanced to heighten certain frequencies of sound that will stimulate the brain to either gain more focus or to relax and sleep better, or decrease general anxiety,” notes Scarnati.

“A lot of times we’ll pair up music therapy with one of our different programs. It accelerates the progress realized with our regular programs.”

Children listen to the musical selections at home with specialized headphones. The music selections are tailored to each child’s needs.

“We put together a musical selection that allows students to be calmer, sleep better, be more focused, or increase their language ability. This is something that’s widely used here in the U.S. and in other countries,” Scarnati adds.

TrAiners Needed

Learning Foundations is seeking good qualified trainers to join their team. Interested persons should have at least a bachelor’s degree and a background in educational psychology, as well as experience working with children and a passion for helping children who struggle with learning.

For more information, contact Rafael Scarnati at 1-844-TX-Learn (895-3276).

Free ConsultAtion

Parents can schedule a free consultation with Learning Foundations by calling 1-844-TX-LEARN. They can also visit www.learningfoundations.com for more information. BBM *Nathan is not his real name.

boernebusinessmonthly.com

17

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

WWW.DODGINGDUCK.COM

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

Representing Stewart Title Guaranty and First American Title Insurance

COMMERCIAL ~ RANCHES ~ RESIDENTIAL PROPERTIES 18

B oerne B usiness M onthly | September 2016

Do you want to impact your family’s life in a profound and lifechanging way, for the better?

Consider attending the upcoming Financial Peace University class.

In 9 action-packed lessons, you will learn how to beat debt, build wealth, invest for the future, give like never before, and much more!

Each class is approximately 1.5 hours in length and is once a week.

Week 1: Super Saving Week 2: Relating with Money Week 3: Cash Flow Planning Week 4: Dumping Debt Week 5: Buyer Beware Week 6: The Role of Insurance Week 7: Retirement & College Planning Week 8: Real Estate & Mortgages Week 9: The Great Misunderstanding Anyone is welcome to attend any one or two classes to “audit” it if they wish, and just get the information contained for that one session. We will start the next class on Sunday, September 18th at 9am – 10:30am (during Sunday School).

PAST ATTENDEE COMMENTS: - I sure would recommend this course to others. This course has been very impactful on our lives. It’s made a huge difference…important to bring our kids to the class so they can learn from some of the mistakes we have made…we are

Say Hello

going to look at our insurance…we can’t take life for granted and want to help prepare our kids for their future.

- I’ve heard about Dave Ramsey on the radio but wanted to take the course and learn more. It’s opened my mind that I can do some investments…and help my grandchildren with some investments…I’ll be more active in spreading the word now…I’m learning how to enjoy the fruits of our labor.

Instructor Information: Tim Christ, 210.632.4571 timothydavid.christ@gmail.com ABOUT THE INSTRUCTOR:

I am a Lutheran pastor’s son, a Christian, a loving husband, and a father to a 3-year old Kaleb. My wife is an accountant at Valero’s corporate headquarters and will celebrate her 20th anniversary there this year. I have taught FPU on multiple occasions, have provided individual financial coaching for years, and have managed millions of dollars in my previous businesses. Our household finances are now in good shape; however, they were not always this way.We have wasted tens of thousands of dollars. However, we have gotten control of our money and now have it working for us.The things I coach on, we personally do, and will teach you how and why we chose to do what we have done.The things we have learned, have resulted in us being able to pay off vehicles, pay off student loans, pay off credit cards, have a 15-year fixed-rate mortgage on our home, have a 529-college savings plan for our son Kaleb, and have forecasted for my wife and I to retire as Millionaires, and to leave an inheritance to our children’s children. Most importantly, we are able to live and give generously. I hope that I can use my education and experience to help people avoid some of the mistakes I made, and to ensure that they get to live their hopes and dreams. BBM

Barbie’s has the Best Stylists in Boerne!

to

Fall with the

LET THEM WORK THEIR MAGIC TO CREATE A BEAUTIFUL YOU

Before

After

Warm, Rich Colors

Autumn of

B

CUTS • COLOR • STYLING

Appointment booking available online at barbiesinboerne.com (210) 328-6777 | 725 N. Main Street – Boerne, Texas

Kimberly Prescott, Stylist

(210) 827-9310 Offering Hair Color, Cuts & Styling, Brazilian Blowouts, Jane Iredale Makeup & Application

Veronica “Barbie” Loehr Owner/Stylist

boernebusinessmonthly.com

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event

D

FINANCIAL PEACE UNIVERSITY STARTING SEPTEMBER 18TH

ribbon cuttings

Greater Boerne Chamber of Commerce Ribbon Cuttings: July/August 2016

OFFERING THOUSANDS OF THE SAME TESTS, BUT FOR MUCH LESS! - B-12 Injections - Drug Screening - Clinical Tests - DNA - STDs - Paternity Alpha Garage Door Repair has been providing expert garage door repair in Greater San Antonio and all surrounding areas since 2015. Your time is valuable, we know that— When you call them, they will schedule an appointment at a time that is convenient for you and they are available 24 hours a day, 7 days a week. Alpha Garage Door Repair is locally owned and operated by David Burkett. David and his Team has over 6 years of experience between them. They pride themselves in being experienced garage door professionals. They are a full service garage door company specializing in garage door repair, replacement and repair of garage door Openers. You can call David and his Team at (210) 563-7214 or toll free (877) 486-9423. You can also visit their website texasgaragedoorrepair.com for more information.

- General Health and Wellness - Heart Health - Cholesterol - Diabetes Management - Nutrition

- Allergies, Sensitivities or Intolerances - Teen or Employer Drug Testing & More!

• Affordable, upfront prices – no surprise bills!

• No insurance? High deductible? No problem! We’re in your healthcare budget.

• Convenient – right where you live, work and shop.

• Work-friendly hours, including Saturdays at most locations.

• No appointment necessary.

• Doctor’s order provided, or we accept yours.

• Most test results in only 24 – 72 hours.

1369 SOUTH MAIN ST., SUITE 105 – BOERNE, TX | (830) 730-7777 WWW.LABTESTINGSANANTONIO.COM WWW.ANYLABTESTNOW.COM/FRANCHISES/BOERNE-78006

Texas Oaks Orthopaedic and Sports Medicine Institute are dedicated to providing the finest orthopaedic care to their patients. With more than 34 years of combined experience in orthopaedics and sports medicine, Dr. David M. Gonzalez brings quality care to patients with pain and injury. Using the most advanced technology, including arthroscopic procedures, we provide comprehensive orthopaedic care. Some of their services include Intra-Articular injections, Viscosuplementation injections, minimally invasive arthroscopic surgery, non-invasive pain treatment, orthopaedic wellness education. To find out more information or make an appointment with Texas Oaks Orthopedic and Sports Medicine Institute, you can call (210) 753-2663 or visit their website texasoaksortho. com. Their office is located at 23535 IH 10 W., Suite 3003, San Antonio (in Leon Springs).

Health by Choice ...

Not by Chance !

Haptstrasse Barber Shop provides traditional barber hair cuts and straight razor shaves. Owner and Barber Nathan Heape specializes in men and boys cuts. Nathan and his staff are classically trained, professional, and friendly Barbers. You can find Hauptstrasse Barber Shop at 933 N. Main Street in Boerne (next to Bumdoodlers) and you can call them for an appointment at (830) 431-0065. You can also like and follow them on Facebook www.facebook.com/hauptstrassebarbershop/home.

James Kennell, DC Michael Garcia, DC Texas Business Buyers is a new kind of high-tech business brokerage and consulting firm that connects buyers, investors, and business sellers at an unprecedented scale by leveraging the latest technology. President Clint Fiore and Vice-President Brad Roberson’s extensive network includes hundreds of active, cash-in-hand business buyers, qualified investors, business owners, business brokers, and other professionals including Commercial Real Estate Professionals, Lenders, Lawyers, CPA’s, and Wealth Management Specialists. They connect the right people to the right opportunities. If you’re wanting to buy or sell a profitable Texas Business, or are considering selling within the next 2-10 years and want to get your business ready, give Brad and Clint at Texas Business Buyers a call at (210) 774-6800 and visit their website texasbusinessbuyers.com.

20

B oerne B usiness M onthly | September 2016

Achieving maximum health and wellness through chiropractic care.

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

www.boernewellnesschiropractic.com

jobs

Call These Top Producers to Sell or Buy Real Estate!

TEXAS JOB GROWTH STANDS AT 1.5 PERCENT

T

*Tiffany Joslin (210) 394-4399

Kim Herrera (210) 306-9910

Jim Campbell (210) 838-1896

*Steven Karam (210) 414-0105

by Bryan Pope, Associate Editor, Real Estate Center at Texas A&M University

The Real Estate Center’s latest Monthly Review of the Texas Economy shows Texas gained 176,600 nonagricultural jobs from July 2015 to July 2016, an annual growth rate of 1.5 percent.

That's lower than the nation’s growth rate of 1.7 percent, according to the report written by Center Research Economist Dr. Ali Anari.

The nongovernment sector added 136,100 jobs in July, an annual growth rate of 1.4 percent compared with 1.9 percent for the nation’s private sector.

Texas’ seasonally adjusted unemployment rate last month was 4.6 percent, up from 4.4 percent in July 2015. The nation’s rate decreased from 5.3 to 4.9 percent.

All Texas industries except mining and logging, manufacturing, information, and the transportation, warehousing, and utilities industries had more jobs. Leisure and hospitality ranked first in job creation followed by education and health services, financial activities, trade, and the government sector.

All Texas metro areas except Odessa, Midland, Texarkana, and Wichita Falls had more jobs. College Station-Bryan ranked first in job creation followed by Austin-Round Rock, Dallas-Plano-Irving, Laredo, El Paso, and Brownsville-Harlingen.

The state’s actual unemployment rate was 5.1 percent. Amarillo and Austin-Round Rock had the lowest unemployment rate, followed by DallasPlano-Irving, Lubbock, College Station-Bryan, San Antonio-New Braunfels, and Sherman-Denison.

The complete report is available online at https://www.recenter.tamu.edu/ articles/technical-report/monthly-review-of-the-texas-economy.

Funded primarily by Texas real estate licensee fees, the Real Estate Center at Texas A&M University was created by the state legislature to meet the needs of many audiences, including the real estate industry, instructors, researchers and the general public. The Center is part of Mays Business School at Texas A&M University. BBM

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

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

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

21

Phillip Bell

& Assoc., llc

• ENERGY EFFICIENT • WATER CONSERVATION

PHILLIP BELL

REALTOR®, GREEN/Consultant

210.415.8483 pbell@texas.net

phillipbell.net

NEW LISTING!

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

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

Exposure to IH-10 traffic.

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

28 Ac Land For Sale –

Pre-Development Annexed & Zoned – Utilities Available

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

OTHER UNLiSTED COMMERCiAL PROPERTiES AVAiLABLE! 22

B oerne B usiness M onthly | September 2016

beauty

introduces

I

The Beauty Squad

Idunna’s Harvest, a charming local skin care boutique spa that has up until recently focused primarily on skin care and waxing services, is expanding their services offered to include what they are calling “The Beauty Squad.”

To launch their new venture, Idunna’s Harvest opened their doors for a Saturday morning celebration on August 20th and invited folks to come experience the services that would be offered by The Beauty Squad. Ladies gathered for food, fun, and a great time of getting pampered!

So what exactly is The Beauty Squad? Well, according to Emmy Costlow, owner of Idunna’s Harvest, “The Beauty Squad is a special events team. We have pulled together a group of extremely talented makeup artists, hair stylists, estheticians, and even photographers that can cater to the needs of corporate events, bridal parties, employee appreciation events, girls nights out and the list goes on! We can even offer transportation services and have beautiful jewelry available to complete the transformations.” Costlow added that the Squad is flexible depending upon the need of the customer. “We can easily add or drop services depending on the goal of the event to cater to each client specifically.”

As with all of their services, the folks at Idunna’s Harvest focus on personalized attention to their customers. Their goal is to cater to the individual client and provide the services that will make their event a great success!

Be sure to call Idunna’s Harvest to book The Beauty Squad for your next event! BBM

after before

after before

after before

boernebusinessmonthly.com

23

wellbeing

Breaking Down a

P

by Dr. Michael Garcia, D. C.

Pinched nerves are no joke. I have heard the pain being described as tingling to feeling an achy burn running along the nerve. However, simply having these symptoms does not mean that you have this condition. It is important to distinguish what’s happening as to avoid serious damage to the delicate nerves and tissue that surrounds them.

HOW ARE NERVES “PINCHED”?

Typical Offenders Nerves can be pinched or compressed a number of ways. Impingement from bone spurs, rigid tendons and overactive muscles can push the nerve on the vertebra. These can take time to develop and are not the most common way nerves are compressed. Disc herniations take the cake when it comes to the cause of a pinched nerve. It is estimated that 60% of people walking around have some sort of disc bulge and don’t even know it!

Chemical Burns Tearing of the disc can create an inflammatory response. Your body’s immune system sends cells to quickly clean up the bad tissue and put in the good cells.

This chemical warfare is the body’s way of healing. Unfortunately, these reactions can create lots of pressure in the area and damage the nerves in the process.

Delicate Nerve Tissue Fat surrounds the nerve to insulate the electrical impulses from the brain.

These guys are extremely sensitive to tension and compression, even the weight of a dime can cause nerve obstruction. Since brain and spinal cord or so sensitive, they are encased in bone to protect them. Being surrounded by bone that is structurally stressed can create bone spurs or cause bones to shift out of their typical alignment.

Disc Anatomy Since most people walking around have some sort of disc bulge, they only become problematic when the disc tears and the gel leaks out. This is the traditional way pinched nerves come about.

WHEN SHOULD I BE CONCERNED? Nerves are extremely sensitive; the weight of a dime can obstruct electrical and chemical functions of the nerve. Numbness, tingling and muscle weakness could be a sign that things are severe and require immediate attention. Depending on the individual, it could require at least a surgical consultation if there is muscle weakness or loss of bowel/bladder function.

Addressing Pinched Nerves Thankfully, compressed nerves can respond very well to conservative treatment.

Physical therapy, steroid shots and decompression modalities can all help alleviate symptoms. Another important aspect of dealing with pinched nerves is to address the underlying structural issues.

Normal Structure One of the functions of our spine is to evenly disperse the constant forces that bombard us every second. Even small shifts in the spine can create an unbalanced frame, which can lead to many Secondary Conditions. Spinal discs are 90% water, so restoring the spine to it’s natural form can help the disc material be dispersed more evenly which can reduce bulging and compression on nerves. A simple way of looking at this is biting an ice cream sandwich on a hot Texas day. The ice cream bulges out the backside due to the wedging pressure on the other end. This is how Structural Correction of the spine can help with many Secondary Conditions such as neck/back pain, numbness, headaches and pinched nerves. BBM Michael A. Garcia, D.C. Boerne Wellness Chiropractic 115 Hwy. 46 W. | Boerne (830)-249-8900 boernewellnesschiropractic.com

24

B oerne B usiness M onthly | September 2016

Come See Us at

103 E. Kronkosky – Boerne NEW TO IDUNNA’S HARVEST:

Beauty the

Squad

corporate events, bridal parties, employee appreciation, hair/make up & more!

Call Emmy for more info!

VISIT US ONLINE TO CHECK OUT OUR

• FACIALS • CHEMICAL PEELS • WAXING • BODY WRAPS

SEPTEMBER SPECIALS!

CALL EMMY (210) 417-5972, CLAUDIA (210) 313-6222, AND SCHEDULE YOUR APPOINTMENT TODAY!

BOOK ONLINE AT IDUNNASHARVEST.COM | CLOSED ON SUNDAYS

Now Open!

EVERY THURSDAY DURING SEPTEMBER

Special Offers!!

Retailing high end beauty products like, France Laure, Jeunesse, New Face, and Pop of Color

• DRAWING FOR FREE CUT/COLOR BY MARIANNE AT THE END OF THE MONTH WHEN YOU MAKE A PURCHASE OF $50 OR MORE IN PRODUCT OR SERVICES. • FREE BROW WAX WITH ANY FACIAL BOOKED WITH CLAUDIA DURING SEPTEMBER.

• $20 BLOWOUTS ALL DAY! • DRAWING FOR SPECIAL GIVEAWAYS (facials, skin care sets, etc. valued at $85+) for folks who “Like” us on Facebook (1 entry) and those who come by and “Check In” on Facebook (2 entries).

Schedule with Claudia at www.styleseat.com/claudiaheyne2or call (210) 570-5416.

Schedule your blowout with Marianne at www.styleseat.com/mhairgoddess2 or (512) 644-8731.

Reach the Broker Day or Night!

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

CALL ED TODAY! Ed Trevino, Broker

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San Antonio skyline. AMAZING views from boernebusinessmonthly.com $1400 Rent every window. MLS#1164659 | $588,500

25

finance

Are We at the Beginning of a Bull Market?

W

While stocks certainly aren’t cheap (at least U.S. stocks), the market continues to push higher. And yet, everyone we talk to thinks the market is destined to drop, especially around the election. We recently put our thinking caps on to remember another time that was similar in terms of the stock market and sentiment.

The Great Depression caused ripples and reverberations for decades after it ended, both economically and psychologically, for good reason. It caused generations of people to avoid stocks for the rest of their lives. Yet, the stock market eventually recovered. But, the fear of “what if it happens again” or better yet “it’s only a matter of time before it hap-

26

by Karl Eggerss pens again” continued. Thus, as the stock market climbed in the years following the Great Depression, it did so with great skepticism on the part of investors. In the investing world and perhaps life in general, the most recent events in our life are the most prominent. Taking a long-term view of the market is hard to do especially when your lifestyle and your savings are at risk.

In March 2000, everyone was getting wealthy by purchasing all types of stocks, especially internet stocks. That month, the market peaked and the subsequent drop of over 50% for various stock indices devastated many families. Just a few years later, it happened again when the Great Recession pulled down major stock indices another 50%+. Two bear markets of over 50% in just a few years has caused some permanent psychological damage on the part of investors. Combine that with interest rates near 0% and it’s been a challenging time for risk averse folks.

The stock market has recovered, just as it did in the years following the Great Depression. And yet, it’s once again doing so based on great skepticism. The Great Sir John Templeton once said “Bull markets are born on pessimism, grow on skepticism, mature on optimism, and die on euphoria.” If you were to truly ask yourself

B oerne B usiness M onthly | September 2016

how to describe today’s market, would you call it optimistic? Euphoric? I would say it’s in between pessimism and at the very least, skepticism. While the volatility index (VIX) is low, sentiment surveys and my conversations with dozens of people every week suggest a concern about the markets, which means there are many that don’t believe in the rally and furthermore, have a lot of cash on the sidelines or invested outside of the stock market. That’s bullish for the market and potentially higher prices could be yet to come The chart below shows prices of the S&P 500 from 1949-1956 compared to prices of the S&P 500 from May 2011-present. Earlier this year, the S&P 500 fell below its 200-day moving average, which caused long-term investors to get concerned about the potential for a bear market. The drop in early 2016 looked as if the market was slowly rolling over. This was a very similar pattern to the one experienced in 19521953. In fact, interest rates during that time were even lower than they are today. In 1953, the feeling was “here we go again” and “I'm not losing money this time.” But, the market didn’t go back down. Instead, it doubled over the next 3 years.

While we’re not predicting the Dow Jones to go over 37,000 in the next 3 years, we are pointing out a time when rates were low, a crash was still in the memory banks of investors and the market appeared to be rolling over into a bear market. But, the market did what many didn’t think was possible.

If you are already diversified and have a reasonable allocation to the stock market, we are not suggesting to mortgage the house to buy stocks. But, this is food for thought for those who remain skeptical and under-allocated to the stock market.

The stock market has a history of being cruel to both those who fall in love with it and those who hate it. We are always a proponent of using multiple strategies to provide investors with income, downside protection, non-correlation, and growth through stocks. BBM In 2010, Karl established Eggerss Capital Management, his own registered investment advisory firm dedicated to providing clients with superior financial counsel in the changing economy. His market insight and cutting edge strategies help fulfill the mission of Eggerss Capital to help clients be protected and profitable in the face of a rapidly changing market. For more information on Eggerss Capital Management visit www.eggersscapital.com.

114 E. Highland Street, Boerne | 210.526.0057

Serving our Friends and Neighbors of the Hill Country Since 1916

“Where experience and service make the difference” From its beginning in 1916, Kendall County Abstract Company has been Kendall County’s locally owned and operated title company. Over the last 100 years, we’ve earned the trust of real estate professionals because we’re experienced, we’re professional, and we care about our customers.

Ashlee Pfeiffer, Manager

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

LOOKING TO INCREASE EXPOSURE FOR YOUR BUSINESS? JOIN T HE MANY LOCAL BUSINESSES WHO KNOW T HE VALUE OF ADVERTISING IN BOERNE BUSINESS MONT HLY!

Contact Rusty Meador to learn more about what Boerne Business Monthly can do for you!

(830) 431-1624

boernebusinessmonthly.com

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art 28

B oerne B usiness M onthly | September 2016

You’ve Spent a Lifetime Preparing for Retirement. Now What?

To develop a retirement income strategy that works for you, contact your Edward Jones financial advisor.

Ron Warden Financial Advisor

www.edwardjones.com Member SIPC

1580 South Main, Suite 104 Boerne, Texas 78006 830-249-8286 IRT-4513C-A

BA N K I NG. I N V E S T M E N TS. I NS U R A NCE. We w o r k t o g e t h e r s o t h e y ’ l l w o r k t o g e t h e r.

At Frost, our team will work together to give you customized solutions that make the most of your banking, investment and insurance needs, and help you reach your financial goals. So, if you could use a hand with any part of your financial life, our team is here to help you.

frostbank.com | (830) 249-6633 Investment and insurance products: are not FDIC insured, are not bank guaranteed, may lose value. Investment and insurance products are offered through Frost Brokerage Services, Inc., Member FINRA and SIPC. Insurance products are also offered through Frost Insurance. Deposit and loan products are offered through Frost Bank, Member FDIC.

boernebusinessmonthly.com

29

H Hometown banking at its best

Hill Country Toastmasters held their biyearly speech contest and it was a great success. Gloria Williams gave a humorous speech on Exercising as a test speech for the evaluation contest portion of the event.

Dale Adams and Warren Rawls were the speech contestants.

Katrina Kite was the speech contest coordinator and the event went off without a hitch. Dale will continue on to the area contest as the Hill Country Toastmaster representative.

Hill Country Toastmasters meets every Thursday from 7-8am at Kronkosky Place on Old San Antonio Rd. New members are always welcome. Contact Denise at dciardello@gmail.com for more info. BBM

For more than 116 years, Sonora Bank has been a leading provider of financial services for area residents and businesses.

We continue to be a community bank with a mission of providing excellent, professional services in a hometown atmosphere. Come by and experience first hand what Sonora Bank customer service is all about.

Warren Rawls with Katrina Kite Bank Branches Boerne Bulverde

sonorabank.com

122 W. Bandera • 830-331-9118 512 Singing Oaks • 830-438-0416

Mortgage Branches Bulverde

San Angelo 5710 Sherwood Way • 325-949-0099 2502 Southland Blvd. • 325-947-2100 Sonora 102 E. Main • 325-387-3861

sonoramortgage.com

128 W. Bandera, Ste. 2 • 830-755-4635 512 Singing Oaks • 830-438-0416

Boerne

San Angelo 3443 Knickerbocker Rd. • 325-716-1744 Member FDIC

Gloria Williams with Katrina Kite

swedish

|

deep tissue

|

hot stone

|

therapeutic

|

aroma therapy/essential oils

Book Your Appointment Today! – 210.248.6165 725 N. Main Street | Boerne (inside of Barbie’s Salon and Spa)

Dale Adams with Katrina Kite

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B oerne B usiness M onthly | September 2016

newsworthy

HC TOASTMASTERS HOLDS BI-YEARLY SPEECH CONTEST

222 S. Main | Boerne, Texas

830.249.7979

www.LoneStarBoerne.com

6 ACRES – 201 SPANISH PASS – BOERNE

VILLAGE OAKS – 108 VILLAGE COVE – BOERNE

Enjoy the seclusion that 6 acres on Spanish Pass offers yet easy proximity to Boerne!

Nearly 3000 sq. ft, 4/2.5, new wood floor downstairs w/16” tile in kitchen, butler’s pantry and wine bar, floor to ceiling fireplace with custom mantle, tall ceilings in LR, back patio is park like with concrete patio and large deck around above ground pool. Native landscaping, shade and serenity for relaxing evenings. Converted garage is a huge bonus room. Wildlife exempt. Iron Filtration system. NEW ROOF IN 2016!!

Tastefully remodeled Garden Home in Village Oaks. Kitchen completely updated with granite counter tops, hardware, sink, refrigerator & gas stove. New chestnut engineered wood flooring in living room, kitchen and hallway. Master bathroom masterfully remodeled with new whirlpool tub and walk in shower. Plantation shutters, new privacy fencing, underground water drip system in the back yard. Pool resurfaced, new waterfall, Swimming Pool temperature control for summer and winter enjoyment year round.

MLS# 1194833 | $565,000 Contact Carol Schultz – (210) 268-3691

MLS# 1195189 | $427,500 Contact Steve Bennett – (210) 287-3776

ENGLISH OAKS – 250 ENGLISH OAKS CIRCLE - BOERNE

Immaculate one-owner home in desirable English Oaks in Boerne. Spacious living area lets in exceptional light through second story arched windows. Granite in kitchen, formal dining has wood floors. Master suite down; two bedrooms with Jack & Jill bath upstairs as well as enormous bonus room over garage. Great storage closet by bonus room. Roof, both AC’s , water heater and dishwasher replaced in last 3 years. Lush landscaping in back yard, covered patio and separate pergola for entertainer’s paradise.

MLS# 1197469 | $375,000 Contact Carol Schultz – (210) 268-3691

WALNUT PASS – 24803 WINE ROSE PATH – SAN ANTONIO

Gorgeous 4 bedroom 3.5 bath move-in ready home located in Walnut Pass Subdivision!

New carpet, newly fenced, master down, custom closet in master, large game room, island kitchen, two living areas, solar attic fan, sprinkler system, beautiful mature trees, backs up to greenbelt! Just minutes to I-10, La Cantera, USAA, Valero and more! Such a great home!

MLS# 1196967 | $289,900 Contact Missy Christian – (210) 887-4424

GILLESPIE COUNTY – RACIN & ROPIN RANCH – FREDERICKSBURG

Operating as a full scale Equine operation currently, the ranch blends itself well as a multi-use event location with unlimited potential for further development. The Racin & Ropin Ranch is an investors dream with exciting potential and additional income possibilities. The location and visibility along a major Hill Country corridor adds to the long-term value the ranch possesses. Pride of ownership and uncompromising attention to detail is evident as soon as you drive thru the front gate. The facilities, improvements and road system are maintained efficiently and the grounds are manicured with immaculate care. Adding to the charm of the Hill Country the ranch enjoys tremendous long-range views across the landscape as the terrain gently rolls across the ranch from an elevation of 1860 ‘ ASL to 1960’ ASL. Texas ranch properties of this quality and caliber are unique and special.

MLS#1195784 | $1,399,000 Contact Steve Bennett – (210) 287-3776

Experience • Skill • Dedication

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