Lifestyles of Comanche Trace April 2019

Lifestyle of

Comanche Trace

April-June 2019 | Vol. 2, Issue 2

GOLF TALK Up your game with an easy warm up

SPOTLIGHT Meet the Rubels and their canine companions

BOOKS, BRIDGE & 42 These clubs and groups offer something for everyone

Chop House Dining in The Trophy Room Special limited menu event Only available for the first 24 people

Comanche Trace Restaurant Home Delivery Service Tuesday - Friday 5 PM - 8 PM

-Club Members OnlyReservations Required

Community Delivery - Club Members OnlyDelivery Service Fee - $5.00

Call (830) 895-8500 ext. 237 to reserve your seat

Call (830) 895-8500 ext. 249 to order now

Comanche Trace Membership has something for everyone!

Golf

Club

Fitness

• Championship 27 hole Golf Course • Tiffsport Bermuda Tee Boxes & Fairways • Bentgrass Greens • 1,100 sq. ft. Golf Pro Shop • 15 acre Practice & Teaching Facility with Chipping & Putting areas • Annual MGA, LGA, and Lady 9’ers golf events & tournaments • Texas Hill Country Couple’s Invitational Golf Tournament • Numerous & diversified Men’s & Ladies’ Golf Groups

• Monthly “Member Mixer” • Mah Jongg Club • Bridge Club • Book Club • Texas 42 Dominos Club • Kid Comanche Summer Camps • Family Movie Nights • Uncorked Wine Dinners • Untapped Brew Club • Quarterly Trivia, Bingo, & Karaoke Nights • Additional fun-filled Member and Family Events, including Special Holiday Buffets, Chop House Dinners, Food Delivery, & more!

• Tennis & Pickleball Courts • Swimming pool & hot tub • Fitness Center with weights & cardio machines • 4+ miles of crushed granite walking trails • 8 acre private river park • Stocked Catch & Release fishing lake • Yoga, Feldenkrais, and Pilates

Gena Teer, Membership Director - gteer@comanchetrace.com | (830) 895-8500 ext. 224 Trent Schiek, Clubhouse Manager - tschiek@comanchetrace.com | (830) 895-8500 ext. 237 3074 Bandera Highway, Kerrville, Texas 78028 • (830) 895-8500 • info@comanchetrace.com • www.ComancheTrace.com

Letter from the President Lifestyle of Comanche Trace The Kerrville Daily Times staff Carlina Villalpando Publisher Travis Webb Managing Editor Jeanette Nash Assistant Managing Editor Contributors Mark CĂ´tĂŠ Kelsey Jackson Toni Manchester Jeff Talarico Photography Tom Holden Advertising John Doran Brandon Baldwin Jeff Herring Luly Miller Composition Dean Heep Johanna Rangel

Dear Comanche Trace Residents and Property Owners, Spring is one of the best times of year in the Texas Hill Country.

The weather is beautiful and there are plenty of events and activities to enjoy in the Kerrville community as well as Comanche Trace.

We have added several new events to our calendar this year; such as Pasta Night, Member Mixers, Birthday Night and Trivia Night to name a few. We hope to see you at the Club soon!

With our real estate and construction activity at an all-time high, there is no doubt 2019 will be another banner year for Comanche Trace. We currently have over twenty homes under construction along with fifty plus homes planned to start within the next twelve months. Our newest Phase, Comanche Hills, is complete with landscape, several homes under construction along with a few completed homes. With all the construction activity throughout the development, we are so excited to see our community transform before our eyes!

We installed a new state-of-the-art camera system at the front entrance, which has the capability of capturing license plate numbers as cars enter and exit Comanche Trace. We are so thrilled to be one of the first communities in this area to have such a high-tech camera system at the main entrance and plan to eventually add additional cameras throughout the development. We also installed new fountains at the front lake near the Welcome & Sales Center. In addition, our HOA Landscape Team recently revegetated three of our neighborhoods and they look fantastic.

Growth is happening across the board at Comanche Trace and we are so excited! We appreciate all of our residents and new buyers that have chosen Comanche Trace as their place to call home!

Contact Comanche Trace: 830-895-8505 Contact The Kerrville Daily Times: 429 Jefferson St. Kerrville, TX 78028 www.dailytimes.com 830-896-7000

Trevor Hyde President

Table of Contents 6 Word from the Board & New Property Owners

8 Real Estate Update 10 Golf Talk 16 Winter Events Roundup 18 Finance Column 20 Upcoming events

14

Feature:

Comanche Trace Clubs & Groups

Quarter Page HC Propane 0892

12 4

Pet & Resident Spotlight:

April-June 2019

The Rubels

We've expanded heart care close to home.

INTRODUCING THE NEW CARDIOLOGY CLINIC AT PETERSON HEALTH. If home is where your heart is, then that’s exactly where your heart care should be, too. That’s why Peterson Health continues to bring great health home with our expanded heart and vascular services. Our team, which now includes interventional cardiologist Dr. Bryan Waits, offers local access to life-saving, big-city healthcare — right here in Kerrville.

Right where it matters most.

Our state of the art cardiology clinic offers • Preventive Therapy

• Cardiopulmonary Rehabilitation

• Cardiac Catheterization

• Echocardiography

• Coronary Angioplasty

• Stress Testing

• Cardiopulmonary Testing

• Vascular Surgery

To learn more about our expanding cardiology program, visit PetersonHealth.com/heart or call 830.258.6244.

Bryan S. Waits, MD Medical Director — Cardiology Interventional Cardiologist American Board of Cardiovascular Medicine

News

Word From the Board

There are many exciting things taking place with the HOA this year!

After sharing some new ideas at the Annual Board Meeting last December, it is so fulfilling to see these ideas come to life.

We installed new fountains at the front entrance lake. We also installed a new camera system at the front entrance and will eventually install additional cameras throughout the development for your safety and security. In doing so, this will eliminate the need for our annual summer staff by the summer of 2020.

We are thrilled to be one of the first communities to have cameras throughout our development.

In addition, our HOA Landscape Team has been hard at work with landscape improvement projects taking place in multiple neighborhoods and things are looking very nice.

As you can see, great things are happening with your HOA at Comanche Trace.

Happy Spring and I look forward to seeing you around the community.

Mike Sigerman HOA Representative

Welcome to our new Comanche Trace property owners October - December

• Terry & Janet Clayborne • Herbert & Sharon Doramus • Thomas Gordon • Mark & Karen Hafner • John & Cecillia Harvey • Mack & Linda Hays • Christopher & Deborah Lindbeck • Steven & Marilyn Maddox 6

April-June 2019

• Michael & Dusti Melucci • Edward & Lori Parma • Jim & Diane Sandell • Evan Simmons & Pati Staha • Mack & Sherri Streety • Laverne Tatum • Bryan Waits • Steve & Mary Walton

Half Page Mr Home

412 Quinlan St Kerrville 830-315-2033 mrhomeav.com mrhomeav@gmail.com

Half Page Hesters 0895

• Pre-Wire Installation • Lighting Control • Mobile Access • Wireless Networking • Home Theater • Multi Room Music

• • • • •

Shades • Patio Screens Draperies • Shutters Screens • Upholstery Blinds • Awnings Outdoor Motorized Sun & Bug Screens

WINDOW COVERINGS Everything For The Window… Except The View!

412 Quinlan Street • Kerrville, Tx 78028 (830) 896-5663 hesterwindowcoverings.com

Control4_Ad-allinone-edit.indd 1

9/21/17 9:42 AM

Lifestyle of Comanche Trace 7

Real Estate Update

&

What’s selling who’s buying?

Comanche Trace sales staff finds ready success

I

am often asked about the local real estate market; specifically, everyone wants to know where people are moving from, why they chose the Hill Country and Comanche Trace, and what is selling best.

How does CENTURY 21 The Hills Realty sell more than any other real estate company in our area?

In addition to a great sales staff, we buy premier advertising through internet portals such as Realtor. com, Zillow, Trulia, and Homes.com.

People moving to Comanche Trace and Kerrville come from all over the United States and from other countries too. For example, we receive inquiries from Australia, England, Russia, Mexico, China and more—most recently we had 3 sales to buyers from South Africa.

We syndicate your listing to over 200 websites.

About 90 percent of buyers start their search on the internet so it’s imperative that all properties are seen. We also buy print advertising and although it’s nice to see properties in magazines, this is not where buyers come from.

Manchester Century 21 is a Global Company with offices in over 70 countries. C21 listings are automatically translated into the language of the country the buyer is searching from. This, coupled with international advertising, brings results!

You might think that most of those that move to Kerrville or Comanche Trace come from California.

Though it’s true that we see a lot of buyers from the Golden State, buyers come from all over the United States; including the Midwest and Northeast. Lately, we have seen buyers coming in from Minnesota, Wisconsin, Illinois, and recently several from New York State. The greatest percentage of buyers still come from Texas, and of Texans, most come from the Greater Houston area or the Texas Coast.

My motto is “Cast a wide net.” As a real estate company, you must put listings from our great area in front of as many eyes as possible. The results are impressive. In 2018, C21 sold 50 percent more listings and 60 percent more to buyers than any other company in our area.

8

April-June 2019

Therefore we focus a great deal of our advertising dollars on superior photography, more detailed and complementary descriptions of properties, and casting that “net as wide as we can” by utilizing our position with the above-mentioned internet portals.

Last year the Comanche Trace sales staff did an excellent job of representing buyers and sellers in Comanche Trace — selling 86 percent of all homes and 80 percent of all lots.

C21 sold all properties over $500,000 and no other

1/8 The thing Boutique

company sold more than 2 properties total in 2018.

This is the result of focused marketing.

So the next question is “What Sells?”

According to the Kerrville MLS’ all-inclusive sales figures, the category with the most unit sales in 2018 was priced between $300,000 and $400,000.

About 49 percent of all residential sales fell between $200,000 and $400,000 and 35 percent were under $200,000. Approximately 13 percent fell between $400,000 and $750,000 — and 3 percent were over $750,000. The sales figures for Comanche Trace

are even more impressive and unique as compared to the greater Kerrville area. For more information on those particular figures, please contact Toni Manchester at 830-928-2153.

Watch for our annual Spring-Open House Event coming this April. Call us to learn more about how we sell homes and lots of them! If you’re looking to buy, call one of our sales staff — they are very knowledgeable about Comanche Trace and the Texas Hill Country and can assist you in searching for your dream home or property. We would love to hear from you, call us at 830-895-8505.

Spotlight houses on the market 2828 Rock Barn Dr.

3947 Kite Court

Comanche Trace is exclusively marketed by

2801 Comanche Trace Dr., Kerrville, Texas 78028 | 830-895-8505

Lifestyle of Comanche Trace 9

Up your game

Golf Talk

Improve your game with quick, easy warm up

By Mark Côté, PGA Head Golf Professional at Comanche Trace

T

his month’s Golf Tip: Steps to a good warm-up routine before going out to play.

Proper conditioning before teeing off will lead to a better game and better scores.

Get to the Course Early It is important that you do not feel rushed, so allow time to complete this entire warmup period at a leisurely pace.

Remember, your warmup routine sets the tempo for the day, so move slowly and relax.

We recommend that you arrive at the course a minimum of one hour before your tee time.

Warm up on the green

Begin Warming Up on the Putting Green Putting is 43-percent of golf and the putting stroke is the slowest and smoothest of all strokes in golf.

By spending time warming up on the green first, you will not only be prepared for the speed of the greens but you will also be starting the day with a smooth, deliberate tempo.

About the columnist

Mark Côté is the PGA Head Golf Professional at The Club at Comanche Trace. He has been a Golf Professional and a Class A member of the Professional Golfers’ Association of America and Royal Canadian Golf Association for more than 25 years.

He’s served in similar roles — including Head Golf Professional, Director of Golf and General Manager — in Canada; Florida; Bullard, Corpus Christi and Lago Vista, Texas.

He also earned the 2008 Golf Professional of the Year and 2009 Merchandiser of the Year from Northern Texas PGA, East Texas Chapter, and 2015 Golf Professional of the Year from Southern Texas PGA.

10

April-June 2019

Spend 10 Minutes Chipping Around the Green To determine how much the ball will roll you must test the firmness of the greens. On hard greens, the ball tends to roll more than on soft greens.

Also, different types of rough make the ball react differently when the ball hits the green. Spending time around the green will give you some ideas that will help you choose the

Courtesy photos

best greenside shots during the round, and where to land the ball on the putting surface.

Warm Up with Stretching Stretching can improve your range of motion by up to 17 percent. It also helps you avoid injury and it helps relieve chronic joint pain.

This portion of your routine should take approximately 15 minutes.

Stretching can improve your range of motion

Begin Your Full Swing Warm Up with Short Wedge Shots You should use a short tee for all your shots on the range.

This will help you contact the ball crisply, which will breed confidence.

Beginning with wedge shots also helps you start your routine with smooth tempo and rhythm.

After hitting 10 wedges or so, begin working from your short irons up to the long irons and woods. Make each swing rhythmic and swing with complete balance control. Your last few full swings should be with the club you intend to use on the first tee.

Stretching can help prevent injury

Save the last five balls for some smooth, short wedge shots.

Time to go play You never want to stand around for more than a few minutes after warming up.

If there is a delay, stand to the side of the tee and make slow swings and stretch to stay loose.

Warm up with short wedge shots

Lifestyle of Comanche Trace 11

Resident & Pet Spotlight Q: How long have you lived in Comanche Trace?

A: We moved to CT in 2015 to break ground on our home. Manon was here full time and I, Mark was part time while working in Angola.

We then moved back to Nigeria late 2016 and we finally returned permanently this past September.

Mark and Manon Rubel

Q: What made you choose Comanche Trace?

A: We first moved to Texas in 1988 and we spent a considerable amount of time camping and exploring the Hill Country.

We fell in love with the area and we knew that we wanted to retire out here somewhere. We found CT and we eventually bought our lot in 2004.

Q: What field of work are/were you in?

A: Manon was a teacher and taught Pre-K through First Grade until she elected early retirement in 2010.

I am a Mechanical Engineer and I was a Project Manager on several major capital projects in North America, Asia, Eurasia and Africa until retiring this past October after 32 years with Chevron.

Q: What do you like best about living at Comanche Trace?

A: We love the fact that CT is in the heart of the Hill Country.

We enjoy the easy access to the golf course, the weather, the Hill Country scenery, the laid-back atmosphere, the small towns around Kerrville and the fact that there’s no traffic!

12

April-June 2019

twice for a total of 10 years and we have spent so many amazing vacations on those two beautiful islands.

Q: What is the worst food that you’ve ever had to eat to be polite?

A: Manon tasted Durian at a cultural event in Indonesia. It is definitely an acquired taste! For me, it’s sheep brain. It’s a custom in Kazakhstan for the senior person at a formal dinner event to eat the brain. Tip: make sure you invite your boss to all formal dinner events.

Q: What is your favorite thing to do in Kerrville?

A: We love walking our dogs in CT, along the River Trail and on the trails in Schreiner Park.

Q: What hobbies do you enjoy?

A: We’ve enjoyed traveling overseas for the past 25 years. We now hope to spend more time traveling within the US and Canada. Manon is taking a Spanish class and I love to spend time in the garage. We are also looking forward to exploring the Hill Country back roads in our new sports car.

Q: What is your favorite sport to watch? Play?

A: We both enjoy watching tennis and playing golf. I am an F1 fanatic and I also play tennis and swim.

Q: Where is your favorite vacation spot?

A: Bali and Lombok Islands, Indonesia. We lived in Indonesia

Q: You’re the new addition to a Crayon Box. What color would you be and why?

A: Manon – Blue, Mark – Red. These are our dominant personality traits on the Equilibria E-Colors Model. Blue is “Relator”, Red is “Doer.”

Q: What is your favorite decade of music and your favorite song?

A: The 70s, of course. We don’t have a favorite song, but we have several Gigabytes of great music on the iCloud as I recently digitized most of my albums.

Q: What was your first job?

A: Manon was a Hostess at St. Hubert restaurant in Trois-Rivières, Quebec. It should be noted that she was fired after 30 minutes on the job on her first day. I refilled propane tanks in -30F° (or worse) weather in Winnipeg, Manitoba during high school. It was the prime motivator for me to focus on my studies and to go to University, by the way.

Dogs: Milo & Mystik Q: What are the names, ages and breeds of your pets?

A: We have two German Shepherds — Milo and Mystik. They are brother and sister, however, not from the same litter.

Mystik is five and Milo is four years old.

Q: How long have you had your pets?

A: We’ve had Milo since he was a puppy and we adopted Mystik about three months ago from my brother-in-law who is a German Shepherd breeder.

Q: What are some of your favorite activities to do together?

A: We love going for walks on the River trail, in Comanche Trace and to different parks in the Hill Country. Milo loves to swim in our pool.

He’s always ready to go in no matter what the temperature is!

Q: Any funny stories from puppy-hood until now?

A: Milo can open doors. He can let himself in the house whenever he wants. The problem is, he refuses to close the door behind him.

Q: What made you choose the breed and specific dogs?

A: We’ve always loved German Shepherds. We’ve had three other German Shepherds before Milo and Mystik. They are curious, alert, intelligent and eager to learn. They are not inclined to indiscriminate friendship, but once you’ve gained their trust, they are the most loyal dogs and also great family companions.

Q: What is the farthest you’ve traveled together?

A: They are both originally from Shawinigan, Quebec.

Milo’s first home was in Jakarta, Indonesia. He then moved to Texas, to Lagos, Nigeria and finally back to Texas last September. We drove Mystik from Quebec to Texas over a five-day journey last November. They are both very good travelers.

Q: What are their favorite treats?

A: They love peanut butter dog cookies and Greenies.

Q: What is their favorite toy?

A: Milo loves his pool toys. He goes crazy when we take them out. Mystik likes to prance toward her toys when she fetches them.

Q: Any human food?

A: We never give them left overs but they do eat boiled chicken or turkey with veggies, hard-boiled eggs and rice everyday mixed with their dry food.

So, in fact, they probably eat much healthier than we do.

Q: Any fun fact or note that you would like to add?

A: Nigerians are terrified of dogs, even tiny ones. Whenever we would walk with Milo in the neighborhood, we would part the sea with people running and hiding from him. If only they knew how sweet and friendly he actually is.

Lifestyle of Comanche Trace 13

The Comanche Trace Book Club is open to all Comanche Trace members.

Get involved

Comanche Trace’s Groups and Clubs offer something for everyone!

W

Contact Gena Teer, Membership Director to learn more! gteer@comanchetrace.com

hile the green may be the most eyecatching thing at Comanche Trace, there are plenty of options of fun and fellowship off the golf course, too.

With myriad groups, clubs and a host of regular activities, there’s something for everyone.

BOOK CLUB

The Comanche Trace Book Club was started in 2006 by a few Comanche Trace members who wanted to share their love of reading with other members. It is a coed group and as such, the reading lists have included a variety of genres from revisiting the classics to current bestsellers. Local authors are often featured and are invited to present their works to the Book Club and other interested Comanche Trace members.

The Book Club has seventeen active members, and unless there is an exception, the club meets on the third Tuesday of each month in individual homes.

July and August are skipped because many of the members travel during the summer months. A brief social hour is followed by a discussion of the current month’s selection. The discussion can focus on the body of an author’s work or an individual book. The

14

April-June 2019

author’s biography is reviewed to put the selection in context; the book’s theme and plot are highlighted as is character development. Everyone has an opinion and the discussions often include ideas that one has not considered before.

The reading list is compiled at an annual Book Selection/Christmas Party.

Each member is invited to recommend a book for the group that he or she would be prepared to facilitate. If the number of nominees is greater than nine, a vote is taken to determine the most popular.

It’s not necessary to have read the book to nominate it, but there must be a synopsis so the members can make an informed selection. It is a festive event, including spouses, where each member contributes a beverage and/or appetizer.

The Comanche Trace Book Club is open to all Comanche Trace members. Each month’s selection is featured in the Sunday eblast with date, time and RSVP contact information.

COMANCHE TRACE BRIDGE CLUB Did you play Bridge once upon a time or wanted to but were too busy? Are you still intrigued by the game but feel your decades-old experience may be too rusty? Have

There are currently about two dozen members in the Club, nearly split by gender and ranging from 50 to 80+ years of wisdom.

Spouse doesn’t play?

Not an issue, since many play without.

The Comanche Trace Book Club ‘s reading list is compiled at an annual Book Selection/Christmas Party.

The Club meets once a week in the CT Ladies Locker Room.

Our interaction is not only playing cards; we also enjoy the social mingling before and after the play, and once a year have a great party including spouses in one of our homes.

If you need to learn or brush up on your game, members will gladly help. Last fall we held a class of instruction for “new guys” that went for several weeks before those attending felt comfortable playing with the rest of the members.

We intend to do that again if there is enough interest.

This game is not like Spades, Hearts or Poker. It’s the most widely played board game in the world and has been for over a century for a reason: short of chess, it requires more skill to play well than any other. Yes, like any game, it requires understanding of the rules and techniques that work best, but is fun to play even if not a pro.

Come and join us!

TEXAS 42

Texas 42 Dominoes is a trick-taking game played with double six dominoes. This game’s history is an astounding 132 years old! In 1887, two young

schoolboys of then Trapp Springs, now part of Garner, Texas, developed this tricktaking domino game because the moral standards of the day did not allow them to play cards.

After handing this game down over the generations, Texas 42 has not only become one of Texas’ favorite pastimes, but in 2011, it was designated the Official State Domino Game of Texas.

The Comanche Trace Texas 42’s first official game day was June 23, 2017. Their third season began on February 20th.

Game Day falls on the third Wednesday of each month, with the exception of December. Game days for this quarter are April 17th 4p.m., May 15th at 4 p.m., and June 19th at 4 p.m.

We have 108 people on our member list at this The Comanche Trace Bridge time – and are Club meets on Tuesdays at 2 p.m. always interested in increasing that number! The more the merrier. Not everyone is able to participate each month, so the number fluctuates from game to game with average game turn out of around 35-50.

We are an eclectic group with many different outside interests and a lot of our members have met for the first time while playing! This group is a great way to meet new friends — and you’re sure to find someone with the same interests!

We welcome you to come play, or encourage you to try it out if you’ve never played! Every month, a game invitation requesting an RSVP is sent out by Kristen Crandall. There are always refreshments & bar staff to meet everyone’s needs. If you would like to get on the Comanche Trace Texas 42 mailing list, email Kristen Crandall at kristencrandall@outlook.com.

Lifestyle of Comanche Trace 15

Courtesy photo

you more time now to enjoy the greatest card game in the world? Do you want to keep your mind sharp and doubt that books and crosswords are enough? The Comanche Trace Bridge Club may be your ticket to keeping your brain challenged, a social activity to get you out of the house and the excitement of competition that seems missing in retirement (And you can only play so much golf!).

16

Birthday Night, January 7th

Bingo Night, January 30th

Polar Bear Tournament February 2nd

Valentine’s Dinner, February 14th

April-June 2019

Courtesy photo

Events

Your home comes together here, with distinctive furnishings, elegant accessories and exquisite design, uniquely inspired for extraordinary living.

(830) 997-6750 www.auerhausfbg.com

Auer Haus • 402 E Main St • Fredericksburg, TX 78624 • Corner of Washington and Main

Finance

Playing catch-up

Tips to help save for retirement

A

s you think ahead to retirement, do you ever worry that your savings nest egg may come up short? If so, you aren’t alone. Many Americans are finding that they are not as prepared for retirement as they should be.

The good news is that if you’re employed, it means that you may still have time to get your retirement fund in order. Take advantage of your sense of urgency, favorable tax rules and your current paycheck to devote more toward retirement savings.

Whatever you can afford to save today has the potential to make a difference once you retire.

“Catch-up” rules are helpful Current tax laws tend to work to your benefit as you grow older, most notably “catch-up” contributions, which are designed for those 50 and older. At this age, you can contribute an additional $1,000 annually, or a total of $6,500 per year (or 100 percent of your earned income, whichever is less) in either a traditional or Roth Individual Retirement Account (IRA). The maximum for those under 50 is $5,500 per year.

Older workers can save significantly more through their workplace retirement plan as well. While the standard limit for annual contributions through salary deferral for 401(k), 403(b) and 457 plans is $18,000 per year, those 50 and older are allowed to set aside as much as $24,000 annually in these plans.

If you’re able to allocate more money to retirement starting at age 50, the impact on the total amount you have saved can be significant. If you “max out” your contributions to workplace savings plans and IRAs, that would amount to an extra $7,000 per year, or $14,000 annually for a couple. A couple that continued to save the extra $14,000 each year of work until retiring after reaching age 66, could put an additional $238,000 into their retirement plan. That does not factor in any market swings, including potential growth that may occur from investing those dollars.

Other reasons to be encouraged As the clock ticks down toward retirement, there are other steps you can take to solidify your nest egg:

18

April-June 2019

• Calculate the amount you need to live the life you want in retirement and compare it to what you have saved. Be sure to include costs for living expenses, healthcare and pursuing your retirement dreams, such as traveling. This reality-check exercise allows you to create a plan for how to fill the gap between your savings and your dreams.

• Many Americans reach their peak earnings years in their 50s and 60s. At the same time, you may be finished or almost finished with paying for your children’s college tuition or your mortgage payments. With lower living expenses, you may have the ability to devote a larger percentage of your income to retirement saving.

• If you have contributed the maximum amounts to IRAs and workplace savings plans, you may consider investing additional money to your retirement. Ask your financial professional what other investment vehicles may make sense for your financial situation.

• You can put money away in a health savings account (HSA) if you have the option in the health insurance plan you choose from your employer. Money in an HSA can accumulate taxfree if it is used to pay qualifying medical expenses

The Hill Country Quilt Guild Proudly Presents

Quarter Page HC Quilt Guild Quilt Show 2019

Memorial Day Weekend • May 24-26, 2019 Fri. & Sat. 9-5 • Sun. 12-4

Hill Country Youth Event Center • 3785 TX HWY-27 • Kerrville Admission $7 per person • Children under 12 Free

• Over 200 Judged Quilts • Wearable and Fiber Arts • Boutique and Handmade Items for Sale • Fabric and Notion Vendors • The Scissors Sharpening Guy Donation Quilt • Price $1 per ticket

For more Information: www.hillcountryquiltguild.com

THe MuseuM of WesTern ArT

either in the current year or later in life, including in retirement. In 2017, you can set aside up to $3,400 or $6,750 per couple in an HSA. Those 55 and older can contribute an additional $1,000.

Quarter Page

• If you spent time out of the workforce (such as a stayat-home spouse), consider going back to work to generate income in the years before retirement begins. Along with increasing your current household income, it could boost your earnings record, which is the basis for Social Security benefits in retirement.

MOWA

Saving for retirement can be overwhelming, especially if you think your nest egg may be insufficient. However, focusing even a little attention on your retirement fund today can help you feel more confident that you’ll have enough money to last.

George Boutwell

Artist of the Month reception

Wednesday, April 17 • 6:30 p.m.

Meet the columnist

The wine and cheese reception and presentation is free to attend for members and $10 suggested donation for nonmembers.

Please RSVP to: 830.896.2553

Jeff Talarico is a financial advisor with Ameriprise Financial and has been in practice for 10 years. He specializes in fee-based financial planning and asset management strategies. To contact him, visit ameripriseadvisors.com/jeff.talarico.

George Boutwell was the “Official Texas State Artist” for 2006 and has been painting for over 40 years.

His distinct style of Texas art has gained him followers from around the world.

The Museum of Western Art • 1550 Bandera Highway, Kerrville 830.896.2553 • museumofwesternart.com

WE DO WONDERFUL WINDOWS! FROM INSPIRATION TO INSTALLATION

Half Page

Kerrville Window Fashions’ showroom offers a friendly, no pressure environment, full of examples to view. Try our remote-controlled window coverings and receive expert advice on the best solution for you and your home!

Kerrville Windo Fashions 0896

With 28 years’ combined experience, we help our clients make the right decisions the first time. Our staff are available for personal consultations by walk-in, phone and email.

MEET OUR INSTALLERS!

Dave Carosella Lead Installer

Larry recently joined our team; he’s a local with 7 years experience as an installer. We are happy to have him join our Kerrville Window Fashions team. Dave, our lead installer, works at our sister store in Marble Falls. A veteran installer and local to the Texas Hill Country with 21 years of experience in window treatments, he joins Larry on larger projects.

From Kerrville & surrounding areas to Fredericksburg, Llano to Marble Falls, we all work as a team helping Texas Hill Country homeowners beautify their homes one window at a time with a personal touch.

RESIDENTIAL & COMMERCIAL Blinds • Shades • Shutters • Tableaux • Drapery • Bedroom Ensembles

Larry Eustace Installer

507 Junction Highway • Kerrville, Texas 78028 • 830.733.0041 • www.kerrvillewindowfashions.com Lifestyle of Comanche Trace 19

Events

April at a glance Club at Comanche Trace EVENTS

April 1

April 3

April 6

April 7

April 8

April 9

Chamber of Commerce Golf Classic Noon

Time for 9 10:30 a.m.

The Masters Par 3 Tournament 9 a.m.

ASWC Preview Tournament Rounds 1 p.m.

ASWC Preview Tournament 36 Holes 8 a.m.

Pasta Night 6 p.m.

April 10

April 12

April 13

April 15

April 16

April 17

Time for 9 10:30 a.m.

Mah Jongg 1 p.m.

Member Mixer 5 p.m.

Couple 9 & Dine 5 p.m.

MGA Ringer 9 a.m.

Arms of Hope 12:30 p.m.

Book Club 4:30 p.m.

MGA 9 a.m.

Texas 42 4 p.m.

April 19

April 20

April 21

April 24

April 27

Bingo Night 5:30 p.m.

Good friday

Time for 9 10:30 a.m.

Easter Sunday Brunch 10:30 a.m.

April 28

April 29

ASWC Conference Championship 8 a.m.

Split Tees

April 30

MGA 9 a.m.

Mah Jong Practice 1 p.m.

ASWC Conference Championship 8 a.m.

Split Tees

ASWC Conference Championship 8 a.m.

Split Tees

ASWC Conference Championship Practice Rounds 1 p.m.

Club at Comanche Trace

Kerrville

W E E K LY E V E N T S

EVENTS

Mondays

9 a.m. Pilates | 9:30 a.m. Pickleball

Tuesdays

2 p.m. Bridge Club

Wednesdays

9 a.m. Holy Yoga | 10:30 a.m. Feldenkrais

Thursdays

9 a.m. LGA | 9 a.m. Lady 9’ers 6:30 p.m. Pickleball

Fridays

9 a.m. Holy Yoga

Saturdays

9:30 a.m. Pickleball 20

April-June 2019

April 16

April 20

April 25

Easterfest & Cook-Off 8:30-10 p.m.

Flat Rock Lake Park 896-1155

Spring Native Plant Sale and Festival 9 a.m.-2 p.m.

Riverside Nature Center 257-4837

Spellabration!

Inn of the Hills Hotel & Conference Center 896-8787

110 E. Theissen • Boerne, TX 78006 Phone: 830-249-3001 • Cell: 830-459-1536 info@bcihomes.com • www.bcihomes.com

Half Page Design/Build • Custom Homes • Commercial BCI Custom Homes

1029 Pinnacle View Drive Comanche Trace Tour of Homes Kerrville, TX BCI Custom Homes has been helping families design and build dreams since 1948. We pride ourselves in our relationships with our clients both during construction and after.

Tommy Lipe

Tommy Lipe, Owner of BCI Custom Homes, stays abreast of the latest building science advancements, and uses that knowledge to build homes which provide a high level of comfort, indoor air quality, and outstanding efficiencies. This environmentally friendly approach translates to lower utility bills, minimal maintenance, and lasting value, in homes that reflect true Hill Country beauty and elegance.

Half Page Slate Gray

Lifestyle of Comanche Trace 21

Events

May at a glance Club at Comanche Trace EVENTS

May 1

May 2

May 3

May 8

May 10

May 11

MGA Ringer 9 a.m.

LGA Member Guest 9 a.m.

Time for 9 1 p.m.

LGA Member Guest 9 a.m.

Time for 9 10:30 a.m.

Mah Jong 1 p.m.

Member mixer 5 p.m.

Couples 9 & Dine 5 p.m.

Time for 9 10:30 p.m.

May 17 - 18

May 12

May 13

May 14

May 15

May 16

Mother’s Day Brunch 10:30 a.m.

U.S. Open Local Qualifying 8 a.m.

Bridge Club 2 p.m.

Pasta Night 6 p.m.

Birth Time for 9 10:30 a.m.

Texas 42 4 p.m. day

Birthday Night 6 p.m.

MGA Red v. Blue 9 a.m.

May 29

May 20

May 21

May 22

May 23

May 27

Time for 9 10:30 a.m.

Trivia Night 6 p.m.

Young Life Tournament 1 p.m.

Book Club 4:30 p.m.

MGA/LGA Spring Fling 9 a.m.

Mah Jong Practice 1 p.m.

Untapped 6 p.m.

Memorial Day Club Open

May 31

Club at Comanche Trace

Kerrville

W E E K LY E V E N T S

EVENTS

Mondays

9 a.m. Pilates | 9:30 a.m. Pickleball

Tuesdays

2 p.m. Bridge Club

Wednesdays

9 a.m. Holy Yoga | 10:30 a.m. Feldenkrais

Thursdays

9 a.m. LGA | 9 a.m. Lady 9’ers 6:30 p.m. Pickleball

Fridays

9 a.m. Holy Yoga

Saturdays

9 a.m. Pickleball 22

Rendezvous

April-June 2019

May 18 Shatter the Stigma 5K Run/Walk 7:30 - 11 a.m.

Louise Hays Park 896-2211

May 23

May 24-26

Kerrville Folk Texas Masters Festival of Fine Art and Craft Times vary Through June 9 10 a.m.-7 p.m. at Quiet Valley Friday-Saturday, 10 a.m.-5 p.m.

Ranch Sunday 257-3600 Y.O. Ranch Hotel and Conference Center

June at a glance Club at Comanche Trace EVENTS June 1-2

June 5

June 6-8

June 10

June 11

June 12

Rendezvous

Time for 9 10:30 a.m.

The Stampede Men’s Member/Guest

Greens Aerification course closed

Greens Aerification course closed Pasta night 6 p.m.

Greens Aerification 9 holes closed Mah Jong 1 p.m.

Member Mixer 5 p.m.

June 13

June 14

June 15

June 16

June 18

Time for 9 10:30 a.m.

Couples 9 & Dine 5 p.m.

Times for 9 10:30 a.m.

Father’s Day

Kid Comanche 8 a.m. - 1 p.m.

Book Club 4:30 p.m.

June 21

June 22

June 26

June 27

Kid Comanche 8 a.m. - 1 p.m.

MGA Summer Partnership 9 a.m.

MGA 9 a.m.

Mah Jong Practice 1 p.m.

Karaoke Night

Time for 9 10:30 a.m.

June 20 Time for 9 10:30 a.m.

Birthday night 6 p.m.

Kid Comanche 8 a.m. - 1 p.m.

Club at Comanche Trace

Kerrville

W E E K LY E V E N T S

EVENTS

Mondays

9 a.m. Pilates | 9:30 a.m. Pickleball

Tuesdays

2 p.m. Bridge Club

Wednesdays

9 a.m. Holy Yoga | 10:30 a.m. Feldenkrais

Thursdays

9 a.m. LGA | 9 a.m. Lady 9’ers 6:30 p.m. Pickleball

Fridays

9 a.m. Holy Yoga

Saturdays

9 a.m. Pickleball 24

April-June 2019

June 19 Kid Comanche 8 a.m. - 1 p.m.

MGA Ringer 9 a.m.

Texas 42 4 p.m.

June 28-29 Men’s Club Championship All Divisions 9 a.m.

June 8

June 15

June 22

National Get Outdoors Day 9 a.m. - 1 p.m.

Louise Hays Park 257-7300

Kerrville Skateboard Competition 10 a.m.

Singing Wind Park 890-5821

3rd Annual Cody’s Memorial Car Show 8 a.m.

Hill Country Youth Event Center 459-2639

$75 OFF SHOW US THIS RECEIVE Half Page

Holloway WATER HEATER 0891 * COUPON INSTALLATION!

Call us today to schedule a licensed, trained, and insured technician!

Serving the greater Texas Hill Country | Toll Free 833.450.1668 | www.hollowayplumbing.net *Water heater must be provided by Holloway Plumbing. Valid for Holloway Plumbing customers only.

May not be combined with any other discount or offer. May not be submitted for cash in lieu of services.

Master Plumber M-42237

LETS GROW TOGETHER Half Page 24 %

2.70 36 % 2.95 MONTH

Community First CD

APY*

MONTH

APY*

CD

*Minimum balance deposit to open and obtain APY is $1,000 * APY refers to Annual Percentage Yield * Penalties will be applied for early withdrawal. * Contact us to better understand the terms and conditions. * Effective date 10/22/2018 Subject to change anytime.

1101 JUNCTION HIGHWAY • KERRVILLE, TEXAS 78028 • (830) 315-2362 • WWW.CFNBTEXAS.COM Lifestyle of Comanche Trace 25

full desiGn serviCes

Half Page Joshua Cade

• Custom Cabinets • Custom Woodwork • Stair Systems • Wine Storage • Libraries • Custom Trim Work • Custom Furniture

830-955-5625

420 Jefferson st.

Kerrville, tX 78028

J o s h ua C a d e ,

Craftsman

www.joshuacadecraftsman.com

Contact us for 2019 Half building opportunities

Page

Texas Living Homes

www.texaslivinghomes.com 26

April-June 2019

Party of Six ...

Half Page Your table is ready.

Outback 12419

There’s no better time to gather outdoors to enjoy family and friends. Come in to OutBack Patio Furnishings and let us help you create an outdoor space to remember.

We’re here. Right in your own backyard.

Kerrville | Marble Falls 1000 Sidney Baker St. S. outbackpatiofurnishings.com

SERVING THE ENTIRE HILL COUNTRY

Serving Texans over 67 people years.

Halffor Page Residential and Commercial Bosworth Heating and Air Conditioning Plumbing Tankless Water Heaters R/O and Softeners Preventative Maintenance Agreements Worth the Call. Always.

830.257.1770

2812 Blacksmith Lane www.bosworthco.com

Financing Available TACLA022456C M-41457

Lifestyle of Comanche Trace 27

R T DE AC UN TR N CO

CUSTOM ESTATE HOME 3 Bed | 3.5 Bath | On Golf 4204 Stone Creek Circle $1,145,000

CUSTOM ESTATE HOME 3 Bed | 3.5 Bath | On Golf 3324 Arrowhead Drive $1,150,000

R T DE AC N R U T N CO

SPECTACULAR VIEWS 3 Bed | 3.5 Bath | Courtyard 3947 Kite Court $899,000

NEW CONSTRUCTION 3 Bed | 3.5 Bath | Views 3937 Oak Park Drive $779,000

R T DE AC N U TR N CO

COMANCHE TRACE 3 Bed | 3 Bath | Views 1033 Pinnacle View Drive $589,000

COMANCHE TRACE 3 Bed | 2.5 Bath | Study 1068 Pinnacle View Drive $559,000

COMANCHE TRACE 3 Bed | 3 Bath | Views 4072 Comanche Trace $559,000

COMANCHE TRACE 3 Bed | 2.5 Bath | Corner Lot 3412 Trace Circle $549,000

CALL TODAY TO LEARN MORE ABOUT UPCOMING HOMES FOR SALE PLUS GARDEN PATIO, RESIDENTIAL, AND ESTATE LOTS.

LD SO

NEW CONSTRUCTION 3 Bed | 3 Bath | Courtyard 3132 Pinnacle Club

BROKER ASSOCIATE

REALTOR®

sstavinoha@c21thehills.com

mmanziel@c21thehills.com

830.370.9392

830.285.6778

RICHARD D. PEACE

MICHELLE MANZIEL

toni@c21thehills.com

NEW CONSTRUCTION 3 Bed | 3 Bath | 2 Car Garage 2828 Rock Barn Circle $354,900

STACY STAVINOHA

830.928.2153

TONI MANCHESTER

BROKER / OWNER

COMANCHE TRACE 3 Bed | 3 Bath | Views 3200 Pinnacle Club Dr. #17 $409,000

REALTOR®

806.787.1054

richardpeace@c21thehills.com

PHONE 830.895.8505 | 2801 COMANCHE TRACE DRIVE | KERRVILLE, TEXAS 78028 © 2018 Century 21 Real Estate LLC. All rights reserved. CENTURY 21®, the CENTURY 21 Logo and C21® are registered service marks owned by Century 21 Real Estate LLC. Century 21 Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act Each office is independently owned and operated. Information is deemed to be accurate but not guaranteed. Prices may change without notice.