Riverhill Living Magazine

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RIVERHILL Living Winter 2018-19 | Vol. 2, Issue 3

In this issue:

Christmastime in Riverhill

Resident Spotlight: Steve Ables 3 families spend 21 days in Africa


Carolyn Northcutt Carolyn Northcutt In her 25 years as a real estate agent in the Texas Hill Country, Carolyn Northcutt has helped make a lot of dreams come true for her clients. She has continued to increase her skills through the Floyd Wickman Real Esate Sales Training, which in turn has helped her to better serve buyers and sellers in the Hill Country community. Carolyn also serves as a member of the Kerr County Rotary, Kerr County Women’s Chamber and the Christian Women’s Job Corps where she has taught career development for the past ten years. Designations and Honors: • Graduate, REALTOR® Institute (GRI) • Accredited Buyer Representative (ABR) • Seller Representative Specialist (SRS) • Top Producer Award • Multi-million Dollar Producer Award

830.739.8304

carolyn@c21thehills.com

Harvey Jensen Harvey Jensen found the wonderful world of real estate when he became an Accredited Professional (ASP) and began 224Staging Oakwood • Kerrville helping withbath theirhome real estate “Staging allowscity melimits. to Turnkeypeople 3 bdrm/2 in veryneeds. desirable area outside Side promote my clients’ property in ways other Realtors can’t –inside whichin March entry garage, RV port and workshop. Completely repainted according to statistics, helps Split sell their homedesign. in lessVery timelarge and great for room, 2018. A bright shiny penny. bedroom more openmoney.” to lots of space in the backyard. 400 sq. ft. guesthouse, perfect for inlaws. MLS # 95754 $369,500 “My business is based heavily on referrals, any referral that I receive I donate 20% of my professional fee I obtain in the transaction to the charity of your choosing.” Call Harvey right now to get him looking for or marketing your property today. Designations and Honors: • Accredited Buyer Representative (ABR) • Accredited Staging Professional (ASP) • Certified Luxury Home Marketing Specialist (CLHMS) • Military Relocation 405 Professional (MRP) Overlook • Kerrville • Single TopFamily Producer Awards Detached 3 bdrm/3.5 bath, 3,877 Sq Ft - Hill County Views, Riverhill • section Multi-million Dollar Awards of Highridge. TwoProducer master suites with separate baths and walk-in closets. • Third MLS Committee Chair-Kerrville Board formal of Realtors bedroom with private bath. Separate dining room with built-ins. Wine room. Kitchen offers gas cooktop and electric unit. Double ovens, center isle with sink. Corian countertops, Thermador appliances, Subzero refriderator. 830.343.3300 harvey@c21thehills.com Slate flooring, carpeted bedrooms. Repainted and new composition roof May 2017. New landscaping June 2017. MLS # 93607 $549,000

©2018 CENTURY 21 Real78028 Estate LLC. All Rights Reserved. CENTURY 21® is a trademark owned by CENTURY 21 Real Estate 1726 Sidney TX 1726 Sidney Baker St Baker Street Kerrville, LLC. CENTURY 21 Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunities Act. Each office is independently owned and operated. *#1 in Listings Sold. #1 in Buyer Transactions. #1 in Overall Sales Volume. Kerrville, TX 78028 Source of data: Kerrville Board of REALTORS (r) Multiple Listing Service January 1, 2016 through December 31, 2016.

2 Winter 2018-19

MORTGAGE COMMERCIAL CONSTRUCTION

PERSONAL LENDING


RIVERHILL

Living The Kerrville Daily Times’ Staff Neice Bell Publisher Travis Webb Managing Editor Chelsea M.K. Stack Special Sections Editor Contributors Nancy Foster Karen Guerriero Bryan Hargrove Jeff Talarico Rhonda Wiley-Jones Photography Tom Holden Advertising Director John Doran Advertising Brandon Baldwin Jeff Herring Becky Kiner Luly Miller Composition Dean Heep Johanna Rangel Contact Riverhill www.riverhillpoa.com Send story ideas to riverhill@dailytimes.com Contact The Daily Times 429 Jefferson St., Kerrville www.dailytimes.com 830-896-7000

Letter from the President I can’t believe that it’s been a year already since being asked to serve the residents of Riverhill as board president. If you were not able to attend the annual meeting of the Association of Property Owners of Riverhill, you missed a good one. Thanks to all the guest speakers we had and the mounds of information they provided. I also wanted to take a minute to mention a few things about the association to the non-members who live in our community. I have heard several times over the past year about people’s excuses as to why they are not members. The one that hits the top of the list however is: “I am not a member, because I don’t want you telling me what we can or can’t do with our property.” In theory, I can understand that; however, it’s just not true. The covenants that the various areas of Riverhill are under give the APOR board the jurisdiction to enforce the covenants even if you are not a member. So, why would you not want to support the organization? Currently, membership is only $45 a year. One would be hard pressed to find another homeowners association as inexpensive as ours. Membership will help us keep the entrances maintained and looking nice, provide funds for community events that connect us to our neighbors and assistant to keep our books and update our database, which provides helpful information about our neighborhood, including lost pets, dates for upcoming events, information from the city pertinent to Riverhill and safety issues. These e-blasts only go to due-paying members. All in all, it’s been a really good year. We have had some new construction and lots of remodel work. It does us all good when people keep their homes looking nice. Resale values in Riverhill have remained pretty steady, according to the licensed realtors I’ve spoken with, so we must be doing something right. I hope you’ve noticed the beautifully new landscaped traffic calming circles on Riverhill Boulevard. Also, take the opportunity to drive around the streets this holiday season to look at the lights. The association is sponsoring our first ever Christmas Decorations and Lighting Contest, and we are looking forward to lots of participation. Most all of the content in this magazine is sparked by our residents, so keep your thoughts and ideas coming in; we love hearing about the accomplishments of our neighbors and friends, the travels they have experienced and the good that they do. We are Riverhill proud! Wishing you all a blessed Christmas season, and a happy New Year!

Jeff Talarico Riverhill Board President

On the Cover Photo by: Michael Anglin Location: Guerrieros’ home in Riverhill Cover models: 19-year-old Will Guerriero with sisters, 14-year-old Quency and 16-year-old Grace, along with their dog, Davis.

Coming in the next issue: • Riverhill master gardeners

Riverhill Living 3


Table of Contents News

6 Did you know on preparing for when

13 Christmastime in Riverhill

you’re away during the holidays, new APOR board members, Life’s Treasures Award and RWA October Luncheon

7 5th annual APOR Christmas party, as well as home sales and listings data

8 National Night Out, as well as Trick or Treat photos

9 APOR annual meeting Photos

10 Winter Yards of the Month 11 Bragging Rights: Christmas fashion and decor

27 Scenes of Riverhill

Columns

18 Simple, Lovely, Personal adds a winter glow to skin

20 Words on Wealth about retirees working part-time

Travel

22 Trip Tips on medical emergencies 24 Travel Tales: 21 days in Africa Events

16 Resident Spotlight: Steve Ables 4 Winter 2018-19

26 Winter calendar: DecemberFebruary events


W NE ING T S LI

W NE TING S LI

Quarter Page 12522 Ponder Ranch | $285,000 127 Redbud Hill | $140,000 Christine Durham # LE

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506 Cardinal | $240,000

• Top 10 Sales Agent in Kerrville •

Texas REALTOR® GRI, ABR and EPro Call Christine today for the “the best experience in real estate”

830-955-0363

christine.durham@colonialrealestate.com 1005 Sidney Baker Suite A 2018 AND 2019 FINALIST www.era.com/ERA-Colonial-Real-Estate-1628c/Christine-Durham-201844a EQUAL OPPORTUNITY HOUSING

A good financial advisor Half Page is like a good caddy Ken Watson You can trust their advice # You need professional advice from someone you can trust. You need the experience and undivided focus of a financial advisor. You need more — the kind of guidance you get from RBC Wealth Management. Call today for a complimentary consultation. Ken Watson Senior Vice President – Financial Advisor Accredited Wealth Manager One Schreiner Center | 819 Water Street, Suite 100 | Kerrville, TX 78028 Direct: (830) 896-8772 | Toll free: (888) 662-3097 | Cell: (214) 789-9868 ken.watson@rbc.com | www.kennethlwatson.com

© 2017 RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC.

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Riverhill Living 5


News

2019 APOR Board of Directors

2019 Association of Property Owners of Riverhill board members, from left, Jeff Talarico, Sue Tiemann, Mindy Wendele, Jo Ann English and Bart Jones.

Resident accepts Life’s Treasures Award Carolyn Northcutt accepted The Kerrville Daily Times’ 2018 Life’s Treasure award on behalf of her late son-in-law, Michael “Koop” Walker. Michael was married to her daughter, Pam Walker, before he lost his life in a motorcycle-vehicle collision in April. He was a member of the Bikers Against Child Abuse, San Antonio Chapter, a nonprofit organization that represents children in the court system who have experienced abuse.

Did you know? Things to consider when away from home for the holidays: • Ask a neighbor to take in your newspaper, mail and deliveries or discontinue them. • Leave house key and itinerary with a neighbor, friend or relative and make sure they know the location of fuse box, thermostat and burglar alarm. • Arrange for care of plants and pets. • Store valuables. • Disconnect electrical appliances, such as toaster, radio, television, computer, etc. • Turn off water to the house. • Turn air-conditioning or heating units to energy-saving levels. • Connect lights to automatic timers and set them to turn lights on and off in the evening. • Leave window shades and draperies in usual positions, but do not close them all the way on the street side of the house. • Lock all doors and windows, including garage. • Remove perishable foods from refrigerator. • If gone a month or longer — ask the telephone company about reduced rates for temporarily suspended service. Source: APOR’s Reference Guide for Riverhill Property Owners

RWA’s October Luncheon Approximately 55 ladies attended the Riverhill Women’s Association’s October Luncheon, which had a Fur Fashion Show by Elegant Furs of San Antonio. This 100-member Riverhill Country Club group meets monthly on the second Thursday and welcome guests. There is a luncheon and timely, entertaining program. For more information, call 830-792-5041. Pictured are a few of the officers of RWA modeling the furs at their fashion show.

6 Winter 2018-19

Courtesy photos


You’re invited to the 5th Annual Members-Only APOR Christmas Party friends. R.S.V.P. your reservation name and number in your party for dinner to Brenda at bhines@riverhillcc.com. No R.S.V.P. is necessary for the Christmas party. This is a great opportunity for the APOR members to socialize and support the Blue Santa program. Anyone who wants to join APOR, should visit riverhillpoa.com and click on “Membership Form” or pay at the door.

Photos from last year’s Association of Property Owners of Riverhill’s Christmas Party.

Riverhill home sales & listings data

Data courtesy of Century 21 The Hills Realty from the Kerrville Board of Realtors Multiple Listing Source

The fifth Annual Members-Only Association of Property Owner’s of Riverhill Christmas Party will be from 5 to 7 p.m. Thursday, Dec. 13 at the Riverhill Country Club. Donations for the Kerrville Police Department’s Blue Santa program will be accepted and those donating will receive a door prize ticket. The Turning Point Grill will stay open until the close of the party, for those wishing to dine with their

The Museum of Western Art Gifts of the Season: A Holiday Miniature Show & Sale

Quarter Page MOWA #

Now through December 29th Over 100 pieces of original art No piece larger than 14” None priced higher than $500

Sunflowers by June Dudley

Shop our Museum Store for western-themed gifts, books, art, jewelry and more Foal by Margaret Drake

December Events: Dec. 1: Adult Craft Class - 2:00-3:00 Cookie Exchange - 3:00-4:00 Bring a dozen & exchange with others. Enjoy with complimentary hot cocoa. Dec. 6: Holiday Open House 4:00-6:45 Performances by Nimitz Choir, Starkey Choir, Tom Daniels Choir & St. Peter’s Church Adult Choir Dec. 8: Children’s Christmas 3:00-7:00 includes crafts, caroling in the neighborhood, hot dog roast. Must RSVP Call or stop by for further details: 830-896-2553

1550 Bandera Hwy., Kerrville 830.896.2553 • museumofwesternart.com Riverhill Living 7


News

National Night Out Approximately a dozen families hosted neighbors at the National Night Out in October. Even the Kerrville Police Department stopped by.

Trick or Treat Riverhill residents enjoyed passing out candy and trick-or-treating on Halloween this year.

8 Winter 2018-19


APOR 2018 Annual Meeting The Association of Property Owners of Riverhill held its annual meeting Oct. 15. It was well attended, despite the rainy weather. Wade Ivy of Kerrville Independent School District reported on the bond issue, Brian Hargrove of Riverhill Country Club reported on membership and the golf course, and City Manager Mark McDaniel reported on National Night Out, the water reclamation project and money budgeted for street repair and repaving. President Jeff Talarico welcomed new board members and bid outgoing directors farewell.

Half Page Ameriprise #

Courtesy photos

Riverhill Living 9


September

Winter Yards of the Month

November

October

Mary Lou Marshall on Spring Mill Drive won the October Yard of the Month. Mary Lou has gone above and beyond decorating for the fall season. With pumpkins, a hay wagon, scarecrows and fall leaves, her home is brightly colored and as festive as can be. The kids loved trick or treating at Mary Lou’s house on Halloween night.

Vickie Williams on Englewood won the September Backyard of the Month. Vickie’s lovely home is set on the serene Camp Meeting Creek, which hosts an abundance of herons, egrets and other wildlife. A large, beautiful back deck with cedar columns and beams serves as a true oasis for relaxing and dining. The entire outdoor space started with a piece of lattice that she put up for privacy, and the space grew from there. Perched on the deck, in the beds and on the stairs, are a variety of lush plants, including hydrangeas, zinnias, crown of thorns, palms, as well as very hearty and large cacti.

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F. O’Neil Griffin on Spring Mill Drive won the November Yard of the Month. This beautiful, expansive home is landscaped with Mexican bush sages, Jerusalem sages, sago palms and esperanzas in the front of the house. The side yard has gorgeous, mature oak and maple trees that shade the home and give it a park-like setting. Be sure to drive by to feast your eyes on this lovely home and its wonderful surroundings.


Bragging Rights

Curling up with Christmas jammies

»

Dan and Kay Fox sport their Christmas pajamas and festive living room on Oakland Hills Lane.

Have a delicious recipe, fabulous closet, cool car or something else you’re proud of? We’d love to share it! Send photos, captions and story to riverhill@dailytimes.com to be featured in our future “bragging rights” section.

3 generations of Santa hats Mindy Wendele’s family has a tradition of wearing Santa hats. She’s pictured with her daughter, Meredith Wendele Jakovich, and grandson, Foster Jakovich.

»

»

Joy to the World

Pam Caylor on Riverhill Boulevard spreads joy to her neighbors during the holidays.

»

Courtesy photos

Christ is born

All is merry and bright

»

»

Jo Alice Hancock on Spring Mill Drive reminds her neighbors of the reason for the season.

Janie Altgelt on Birkdale Lane decorates with twinkling lights inside and out, hosting her daughter, Ami, and son, Miles.

Riverhill Living 11


Inaugural Christmas Decoration & Lighting Contest The Association of Property Owners of Riverhill is hosting its inaugural Christmas Decoration and Lighting Contest, which must be ready for judging by Dec. 8. Registration forms must be filled out and emailed to andymagee1@me.com or mailed to APOR, P.O. Box 293895, Kerrville by Dec. 1. Registration also is available at riverhillpoa.com. Prizes will be awarded to the top three entries. Winners will be announced at the APOR Christmas party on Dec. 13.

12 Winter 2018-19

Photo courtesy of Metro Newspaper Service

For more information, call 830-377-3615.


Christmastime in Riverhill Holiday traditions & decorating tips from residents

R

By Nancy Foster

Photo by Michael Anglin

iverhill is such a delightful community year-round, but during the holiday season, the residents make it even more special by embracing the holiday spirit in both traditional and personal ways. Drive through the neighborhood and enjoy yards decked out with lights and colorful holiday wreaths festooning entrances with Santa’s reindeer and snowmen dancing on the lawns. After dark, glimpse candles flickering on the windowsills and jewel-toned tree lights glimmering through picture windows. The spirit of the season is even evident on the golf course, as golf carts are fitted with playful red and green trimmings. Most Riverhill residents have at least one or two family traditions that make the holidays special, and we found a few of your neighbors willing to share ways they add to the magic of the season.

Advent trees A tradition that now spans three generations is Andy and Craig Magee’s family advent tree. “The train around the bottom of the tree holds all of the small ornaments. Each day, for 25 days, each child — and now grandchild — gets to choose among the ornaments to decide which one to hang in the opening of the tree. They love seeing the tree fill up, knowing they are that much closer to the big day,” Andy said.

Nutcrackers Karen and Layng Guerreiro lovingly haul out their beautiful collection of old and new nutcrackers each year. The old ones, many of them tattered and missing parts as a result of children’s explorative handling over the years, were passed down from the Guerriero family. “My side of the family, the Broussards, have added

The Guerriero family from left, 19-year-old Will, 16-year-old Grace, Layng, Karen, 14-year-old Quency and their dogs Davis and Rusty.

Riverhill Living 13


Feature

Top right: Karen Guerreiro displays her multi-generation nutcracker collection. Center right: Ornaments are displayed in a vase in the Williams’ home. Bottom right: Gray sisters, from left, 5-year-old Autumn, 3-year-old Ivy and 9-year-old Ashlyn play with their Grandy Magee’s Advent tree at the Magee’s home in Riverhill. Above: Christine Durham makes Christmas cookies in her Riverhill kitchen. Right: Holiday cards displayed in Brenda Williams’ home. Below: Brenda Williams writes out Christmas cards for loved ones. Photos by Tom Holden

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some newer additions,” Karen said. She reminisced about one year, after a move, when the box with the nutcrackers went missing and how the season without them was simply not the same. Eventually recovered, the nutcrackers “will continue to be displayed and passed down for years to come,” she said.

Christmas cards A fun part of the holiday season for Brenda and Bryant Williams is writing out Christmas cards. “We moved around so much with ExxonMobil that sending greeting cards is the best way to keep up with old friends. We enjoy sharing pictures of kids and grandchildren and keeping in touch the traditional way,” Brenda said.

Home baked goodies Being a busy agent with ERA Colonial Real Estate, Christine Durham relaxes by baking Christmas cookies for her grandkids and office staff. Making special treats of home baked goods is a personalized way of gifting. “It is a great break from what I do on a dayto-day basis, and I get great joy out of giving, especially at Christmas,” Christine said.

Deck the halls Interior Decorator Nancy Watts uses her talents to make things festive, inside and outside. In fact, she graciously shared easy ways to plan and organize for the season. •฀Pick฀a฀theme: Whimsical, traditional or modern. •฀Pick฀a฀color฀scheme:฀Lime green, traditional green and red, sage green or blue, etc. •฀Go฀for฀the฀ribbon:฀Browse the stores to see what is the “new green” or trend in motion. In other words, let the ribbon lead the theme. •฀Fresh cut evergreens from a local grower will let the freshness of the season fill the home. •฀Add some crystal or silver vintage pieces into a lighted arrangement in the center of the table. •฀Stock฀up฀on฀AA฀and฀AAA฀batteries: It will make your life easier in the event there is no electrical outlet in the area/nook that’s being decorated. •฀Make฀it฀Fun:฀Put on some music and enjoy.

Season of giving As we enter this joyous time of year, enjoy the wonders and beauty of the season and the fellowship enjoyed as Riverhill residents.

Riverhill Living 15


Q&A with incredible people.

Steve Ables

Q: What is your biggest pet peeve? A: Close mindedness. Q: What is the best and worst thing about getting older? A: Best is grandkids. Worst is bad knees. Q: What’s the best advice you’ve

Q:

been given and from whom?

A: Playing golf on all our courses and going

My dad has taught me many wise things, but this stands out — “Son, don’t burn those bridges; you never know when you might really need them again.”

What is your favorite thing to do in Kerrville or Kerr County? to wonderful events at the Cailloux Theater.

Q:

Where do you work and/or volunteer, and what is your job title and/or role there?

A:

I am the presiding judge of 28 counties in West Texas and serve as a mediator and arbiter. I also am a director of The Cailloux Foundation and have been a teacher of the Keystone Sunday school class for 37 years. For the past 30 years, I’ve been the “Voice of the Fighting Tivy Antlers” at Tivy Antler Stadium.

Q: What is your favorite holiday tradition

that your family and/or friends do?

A: Doing Cajun deep-fried turkeys for Thanksgiving. Q: What hobbies or activities do you enjoy in your free time?

A:

Golf, writing my weekly column for The Kerrville Daily Times and traveling to see grandkids.

Q: What are you most proud of? A: My wife and kids. 16 Winter 2018-19

A:

Q: Who inspires you? A: My wife and my dad. Q: What is on your bucket list? A: Play at Augusta National Golf Club in Georgia — yes, I believe in miracles.

Q: What goal are you currently working on? A: See my 90-year-old dad more. Q: What is the best gift you ever received? A: My wife surprised me with a cruise for

my 50th birthday. She skimmed cash for a year, and I never knew; although, I wondered why I never had any cash in my wallet.

Q:

What is something you think everyone should do at least once in their lives?

A: Go on an Alaskan cruise.

Photo by Chelsea M.K. Stack

Q: How long have you lived in Riverhill? A: 25 years. Q: What do you like best about living in Riverhill? A: Playing golf, eating and socializing

with

Resident Spotlight


What’s the best & worst thing about getting older?

Best: grandkids. “Worst: bad knees. ”

Riverhill Living 17


Simple, Lovely, Personal

Winter’s Glow O

ur skin takes a toll when the weather changes. The best defense for this is being prepared. It’s the perfect time to repair any skin damage from the summer, and guard against upcoming dry skin from the cold of winter. Here are some every day actions that will help skin face the season changes with confidence.

Use a mild creamy cleanser that deep cleans, but doesn’t overexfoliate. For example, if you typically use a gel cleanser, switch to a creamier cleanser. Scrubbing is usually an integral part of a beauty routine; however, limit scrubbing to once or twice a week in the winter. If done too often, scrubbing can dehydrate the skin, stripping it of essential oils and causing redness or irritation. We recommend Glytone

18 Winter 2018-19

Photo courtesy of Metro Newspaper Service

Cleanse


Mild Cream Cleanser. It leaves the skin feeling soft, not tight and dry.

Moisturize Every morning and evening after cleansing your skin, apply a moisturizer with gentle exfoliation. In summer months, we usually recommend using a moisturizing sunscreen. However, in the winter months, we encourage patients to use a moisturizer under their sunscreen for added hydration. Don’t be afraid to go to bed a little greasy. Bedtime is the best time to hydrate your skin. We recommend SENTÉ Bio Complete Serum followed by a moisturizing Dermal Repair Cream for best results of collagen repair, healthy cell production and moisturization.

Hydrate your insides Dry skin looses moisture, so be sure to drink a minimum of 6-8 glasses of water a day, and eat more fruits and vegetables to protect skin from dehydration. Eating foods high in antioxidants feeds skin and starves wrinkles. Some of the best sources are blueberries, apricots, pomegranates, brussels sprouts, spinach, kale, fish, legumes and olive oil.

Lukewarm water Enjoying a hot, steamy shower seems appealing when it’s cold, but it’s actually drying out your skin. After a shower, lightly remove excess water from the skin and apply a body lotion all over. The wetness of the skin allows for better absorption of lotion and doesn’t leave your skin feeling greasy. We recommend Avene TriXera Emollient Cream for body skin recovery and/or Glytone Exfoliating Body Wash and lotion to gently exfoliate dry skin and replenish new skin cells.

Jump start pigmentation repair The summer sun leaves a lot of individuals with brown spots on their skin. Medical chemical peels are excellent ways to exfoliate the skin, lighten the sunspots and enhance collagen production for smoother skin. Hyper-pigmentation involves a meticulous treatment plan. We recommend a series of peels followed by a daily regimen using products that brighten and lighten the skin. Glytone Enhance Brightening Complex are excellent daily treatment regimens to improve sun damaged skin. Winter is the best treatment time for this regimen, due to less sun exposure.

Sunscreen is for all seasons While you may have packed away your swimsuit and shorts, that doesn’t mean sunscreen should get stored away, too. Harmful UV rays don’t take a break for cold weather. As mentioned before, a moisturizing sunscreen is recommended. We love Glytone Sunscreen Lotion SPF 40 with micronized zinc oxide and hyaluronic acid for a winter sunscreen. It provides protection, moisture and exfoliation all in one tube. These simple skin care routines will help reboot the skin for the winter months and have a big impact on the skin’s health for years to come. Get the glow this winter!

Meet the columnist Jeanette Tilley is a nurse aesthetics specialist at Regenesis, 176 Fairway Drive. She and Medical Director Dr. Kerri Truelock offer their patients only the most effective and up-todate facial services. Call 830-792-0805 for a complimentary consultation.

Kerrville Funeral KFH Home Gene and Katie Allen, his family and the staff take great pride in being a part of the Kerrville community. “Serving each family with dignity, pride and honor since 1967.”

1221 Junction Highway • Kerrville, Texas 78028 830-895-5111 • www.kerrvillefuneralhometx.com TFSC Lic. #2355

Riverhill Living 19


Words on Wealth

T

raditionally, retirement means leaving the workforce to pursue decades of relaxation. However, today’s retirees and pre-retirees are reshaping what it means to leave the workforce. Retirement may be an opportunity to pursue a small business, start consulting or land a side job that explores your passions. If your next phase includes earning an income, there are some financial considerations to keep in mind.

Social Security could be reduced If you haven’t yet reached full retirement — age 65 or older — and already collect benefits, the wages

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earned through continued work could result in reduced Social Security payments. In 2017, an individual earning more than $16,920 who hasn’t reached full retirement age will see a $1 reduction in Social Security benefits for every $2 earned above that level. The earnings limit is higher the year you turn the full retirement age, and no longer applies after that. If you haven’t already claimed Social Security, you may wish to delay benefits in order to earn a higher amount later in life.

Prepare for higher taxes If taking income from retirement accounts or generating earnings from savings or investments, at least some of that money is subject to tax. Earning income from work may move you into a higher

Photo courtesy of Metro Newspaper Service

Working part-time in retirement can impact finances in surprising ways


marginal tax bracket, meaning those distributions and investment earnings could be taxed at a higher rate. Be prepared for a potential bump in your tax bill.

Keep saving money Ongoing work may allow you to preserve your retirement savings for later in life, and even continue to build those savings. As long as income is earned, money can be put away in tax-advantaged retirement plans. This includes an employer-sponsored plan, if it is available, a traditional IRA or Roth IRA. Contributions to traditional IRAs can only continue up to age 70.5. If income is earned past that point, you may be able to continue making contributions to a Roth IRA indefinitely, based on income level.

Pay attention to health insurance Even if retaining health care coverage from an employer, consider signing up for Medicare Part A at age 65. There is generally no cost, and it provides coverage for care in hospitals and other institutions. Talk to the employer about whether to sign up for

Quarter Page Dr. Miloy #

Medicare Part B — a monthly premium applies. You may be able to delay doing so if you are covered by the employer’s plan without being subject to a 10 percent annual penalty for delaying enrollment in Part B. Check the rules carefully before turning 65. Whatever the motivation for continuing to earn a paycheck, the income earned could impact several aspects of your financial life. Evaluating and planning for the effects working will have on your finances may help you feel more confident about living decades in retirement.

Meet the columnist Jeff Talarico is a financial advisor with Ameriprise Financial. He specializes in fee-based financial planning and asset management strategies. He has been in practice for 11 years. To contact him, visit ameripriseadvisors.com/jeff.talarico.

Quarter Page Randy Purswell RANDY PURSWELL # Realtor ®

Looking to buy or SELL call PursWELL www.RandyPurswell.com Office:830.496.1041 Cell:713.817.9786 Randy@ForePremierProperties.com

804 Water Street • Kerrville, texaS 78028 Riverhill Living 21


Trip Tips

How to avoid

W

hile in another country visiting with other travelers, a friend of mine suddenly wilted in front of me. Her face broke out in a sweat and turned waxy white. I guided her limp body into a chair. She mumbled, “Something’s wrong.” In a matter of moments, she was unconscious. A nearby friend with EMT training iced her wrists and head. She was conscious when EMS arrived, but so confused she could not tell them what medications she took. Her companion ran to the room to get her pills. The ailing woman had combined all the medications into one bottle for ease of travel. Also, she had no list of her medications. You may have been in a similar or even worse

22 Winter 2018-19

situation. Medical emergencies are likely to catch all of us off guard occasionally. Here are some things you can do to minimize problems while navigating the world.

Carry a list of all medications When you devise a paper list, include the proper name of the drug and the dosage. For example, acetaminophen 300 mg two times per day; instead of Tylenol super strength. With generics and multiple brands, this is helpful to medical personnel. Airlines require that you carry your meds in their original bottles for this reason. Check with your insurance company, as most have apps for this. For those on Medicare, visit mymedicare.gov to use its Blue Button. With a paper list, you also can include in case of emergency, or ICE, family names and contact numbers.

Photo courtesy of Metro Newspaper Service

medical emergencies while traveling


KEEP CALM AND

Carry a list of vaccinations & certifications Ask for a list of vaccinations or certifications from your doctor or pharmacy and carry it with you — again, you can do this over the phone. H-E-B and your primary care provider will have a form. When visiting relatives with a new baby, the parents may want you to have had a whooping cough, or pertussis, vaccination. What if a stray dog bites you? Certification of a tetanus shot within the last 10 years will allow you to forego painful rabies shots.

Know your blood type Some people do not know their blood type, while others do not tell family members and close traveling companions, or do not have it written anywhere. Each type has different compatibilities with others, so knowing yours will help medical staff care for you in case you are injured and need blood.

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CARRY ON

FRIDAY FEBRUARY 22

Half Page Boerne Performing Arts # Y TUESDA MARCH 26

State health risks or medical conditions If you have a pacemaker, implant, rod in your neck or spine, high blood pressure, heart condition, diabetes or anything that will influence treatment, it is important to place it on a paper list with medications or on an app in your phone.

Purchase travel insurance Especially if traveling by air or internationally, travel insurance is crucial. My friends arrived at their island destination. On the way to the hotel, the woman tripped on a concrete parking bumper and crushed her ankle. A doctor casted it, but surgery also was needed. In many countries, hospitals require cash up front. Local ATM machines limited the amount withdrawn each day, so it took her husband three days to gather sufficient money for the surgery. Investigate trip insurance and buy what you can afford. Travel as safely as possible with these few tips.

FRIDAY APRIL 5

SPECIAL EVENT

Meet the columnist Rhonda Wiley-Jones facilitates workshops on keeping a travel journal, travel writing and the craft of writing. She is the author of her memoir, “At Home in the World: Travel Stories of Growing Up and Growing Away,” and is currently writing fiction. Contact Rhonda at rhonda@rhondawiley-jones.com or visit rhondawiley-jones.com.

SATURDAY DECEMBER 15 2018 TICKETS: $20-$60 A L L P E R F O R M A N C E S AT 7:30 P M AT B O E R N E C H A M P I O N A U D I TO R I U M

BoernePerformingArts.com 830.331.9079

Riverhill Living 23


Travel Tales

21 days in Africa

24 Winter 2018-19

Share your trip Did you recently travel somewhere? We’d love to share it. Send photos, captions and story to riverhill@dailytimes.com.

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Courtesy photos

By Jones, Petty and Mitchell families

T

hree Riverhill families — 12 people total — journeyed to Africa together for 21 days over the summer. Each family shared their own experience from the trip.

Karen and Bart Jones, along with Larry and Charlotte Petty We flew into Nairobi and stayed with On Safari Outfitters on the Maasai Mara National Reserve in Kenya for six nights. Leaving Kenya, we then spent five days at Camp Moremi Game Preserve on the Okavango Delta in Botswana. We were definitely “up front and personal” with every animal and bird you could imagine and with every turn of the vehicles. Next, we traveled to Victoria Falls in Zimbabwe, and relaxed at the beautiful Victoria Falls Hotel and enjoyed the wonderful shopping, helicopter rides, walks and shopping with the local villagers. The last segment of our trip was boarding the luxurious Rovos Rail from Victoria Falls to Pretoria in South Africa. Journeying from there, we ended up in Johannesburg for our flight back to Texas. The highlight of our trip was watching the Great Migration on the Maasai Mara. Late each summer, close to two million wildebeest, zebra and antelope gather up their young and start the long trek north from Tanzania’s Serengeti National Park to Kenya’s Maasai Mara National Reserve in search for greener pastures and fresher water. Their journey runs in a clockwise circle, covering

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1,800 miles and is notoriously fraught with peril. Annually, an estimated 250,000 wildebeest die en route. River crossings are especially dangerous. Herds gather in the thousands to forge the waters of the Mara to encounter strong currents and lurking crocodiles. Crocodile kills and hordes of panicked animals mean that the crossings are not for the fainthearted; however, they undoubtedly offer some of Africa’s most dramatic wildlife encounters. The flora and fauna of Africa are like no other in the world.

Bedford and Jenny Mitchell Along with Kent and Janet McKinney — Comanche Trace residents who are members of Riverhill Country Club — we spent most of August on safari in Botswana and Zimbabwe in Africa. In Botswana, our safari included visits to the Moremi Game Reserve in the Okavango Delta, as well as the Linyanti Swamp and Chobe Forest Reserve. After a night in Victoria Falls, we continued our safari in Zimbabwe at Mana Pools National Park, Hwange National Park and Matobo National Park. Our awesome safari guides provided us with so many wonderful and educational experiences. Along with the 38 different species of animals and 95 species of birds that we saw, we also interacted with the amazing African people and learned about tribal life, as well as life in the urban areas. We were awed by our experiences and truly hope to return to visit other countries in this fascinating continent.

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1. Karen and Bart Jones in Africa. 2. The Petty family safari in Africa. 3. The Mitchell family watches elephants drink from a pond by the deck of the Somalisa Acacia Camp in Hwange National Park. 4. Bedford and Jenny Mitchell with Janet and Kent McKinney at Victoria Falls.

Riverhill Living 25


Winter CALENDAR Weekly Events

First Saturday

Breakfast and Brunch 8-10 a.m. breakfast and 11 a.m.-2 p.m. brunch

Hill Country Youth Event Center | 830-459-6198 or kerrmarketdays.org

Sundays Riverhill Mansion

Mondays & Wednesdays

Intermediate, Beginner and Ages 10 and younger Tennis Clinic 4:30-6 p.m. Riverhill Tennis Court

Tuesdays & Saturdays Men’s and Women’s Tennis Drill 6-7 p.m. Tuesdays and 9-10:30 a.m. Saturdays Riverhill Tennis Courts

Advanced Junior Tennis Clinic 6-7 p.m. Tuesdays and 9-10:30 a.m. Saturdays Riverhill Tennis Courts

Tuesdays–Sundays Lunch and dinner 11 a.m.-8 p.m. The Turning Point

Wednesdays & Fridays Dinner 6-9 p.m.

Riverhill Mansion

Thursdays

Ladies’ Morning Tennis Drill 9-10:30 a.m.

Kerr County Market Days and Hill Country Swap Meet 8 a.m.-3 p.m.

Second Saturday Kid Craft Day 10 a.m.

Museum of Western Art, 1550 Bandera Highway | 830-896-2553 or museumofwesternart.com

Third Saturday Bird Walk and Talk 8-9:30 a.m.

Family Free Days 10 a.m.- 4 p.m.

Museum of Western Art, 1550 Bandera Highway | museumofwesternart.com or 830-896-2553

December Events Through Dec. 14

Artmart Christmas Gift Show 10 a.m.-4 p.m. Tuesday-Saturday Hill Country Arts Foundation | 830-367-5120 or hcaf.com

Through Dec. 29

“Gifts of the Season: A Holiday Miniature Show and Sale”

Kerr County Animal Services, 3600 Loop 534

Thanksgiving through New Year’s | Louise Hays Park | josh.rodrigue@kerrvilletx.gov

A.C. Schreiner House| 830-928-4261 or kerrvillefarmersmarket.com

First Friday Wine Share 6-7:30 p.m. Kerr Arts and Cultural Center, 228 Earl Garrett St., in December; and TBD after that. | 830-896-6600 or firstfridaywineshare.com

26 Winter 2018-19

Dog Agility Show 8 a.m.-5 p.m. Friday-Saturday and 8 a.m.-3 p.m. Sunday Hill Country Youth Event Center, 3785 Texas 27 | 512-663-2055 or heartoftexasdogsports.com

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Christmas Tennis Mixer Riverhill Country Club | 830-896-1400, ext. 235 or gnadebaum@riverhillcc.com

Winners announced at fifth annual APOR Christmas Party

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Kerrville Farmers Market 3 p.m.-dark

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Last Saturday

Saturdays

First Friday

Trinity Baptist Church, 800 Jackson Road | 830-895-0100 or tbck.org

Judging for Christmas Decoration and Lighting Contest

Museum of Western Art, 1550 Bandera Highway | museumofwesternart.com or 830-896-2553

Monthly Events

Night in Bethlehem 6-8 p.m. Friday

Riverside Nature Center, 150 Francisco Lemos St. | 830-257-4837 or riversidenaturecenter.org

Riverhill Tennis Courts

Pet Adoptions 9-11 a.m.

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Lighting of Tranquility Island Winter Scramble Riverhill Country Club | Two-person teams, flighted event | mtrevino@riverhillcc.com or 830-792-1143

Deadline to register for Inaugural Christmas Decoration and Lighting Contest andymagee@me.com; APOR, P.O. Box 293895, Kerrville; or riverhillpoa.com

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Christmas Walk 5:30-7:50 p.m. Tuesday Starts at Notre Dame Catholic Church, 909 Main St., and refreshments at First Presbyterian Church, 800 Jefferson St. | 830-285-8382 or kerrvillewelcomewagon@yahoo.com

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Schreiner Mansion Christmas Tours 1-5 p.m. Monday-Friday Schreiner Mansion, 226 Earl Garrett St. | 830-285-9781, info@hcyo.org or hcyo.org

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5th annual APOR Christmas Party 5-7 p.m. Thursday Riverhill Country Club | riverhillpoa.com

Christmas Ladies Night Out in Downtown Kerrville 5:30-7:30 p.m. Thursday Historic Downtown Kerrville | 830-739-2519 or downtownkerrville.com

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Christmas Skate Extravaganza 4-7 p.m. Friday First Baptist Church, 625 Washington St. | 830-257-5033 or fbckerrville.com

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Christmas at the Kroc 10 a.m.-1 p.m. Saturday The Salvation Army Ray and Joan Kroc Corps Community Center, 201 Holdsworth Drive | 830-315-5750, kerrvillekroc.org or david.swyers@uss.salvationarmy.org

20 Member-Staff Scramble 3 or 5 p.m. shotgun, depending on daylight Riverhill Country Club | 830-792-1143 or mtrevino@riverhillcc.com


December Artist of the Month: Jack Sorenson Reception 5:30-7 p.m. Thursday Museum of Western Art, 1550 Bandera Highway | museumofwesternart.com or 830-896-2553

January Events

25-27

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River Star Arts and Events Park, 3785 Texas 27 | 214-632-5766, kerrvillerenfest@gmail.com or kerrvillerenfest.com

River Star Arts and Events Park, 3785 Texas 27 | 214-632-5766, kerrvillerenfest@gmail.com or kerrvillerenfest.com

Kerrville Renaissance Festival 10 a.m.-5 p.m. Friday-Saturday and 10 a.m.-4 p.m. Sunday

Kerrville Renaissance Festival 10 a.m.-5 p.m. Friday-Saturday and 10 a.m.-4 p.m. Sunday

5-7 p.m. 26th Annual Polar Bear Plunge Noon Tuesday

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Kerrville Winter Market 10 a.m.-5 p.m. Saturday and 11 a.m.-4 p.m. Sunday

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Presbyterian Mo-Ranch Assembly, 2229 FM 1340, Hunt | 800-460-4401 or moranch.org

Inn of the Hills Hotel and Conference Center | 888-225-3427 or texasmarketguide.com

Hill Country Youth Event Center, 3785 Texas 27 | 830-257-7300, rose.ledesma@kerrvilletx.gov or kerrvilletx.gov

February Events February Artist of

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15th annual Cowboy Breakfast 6:30 a.m. Friday Hill Country Youth Event Center, 3785 Highway 27 | hcdjls.org

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the Month: Gary Ward Museum of Western Art, 1550 Bandera Highway | museumofwesternart.com or 830-896-2553

11th Annual Daddy/ Daughter Dance 6-8 p.m. Saturday

3rd Annual Economic Summit 8 a.m.-1:30 p.m. Thursday Hill Country Youth Event Center, 3785 Texas 27 | 830-895-1155 or kerrvilletx.com

75th annual Hill Country District Junior Livestock Show Hill Country Youth Event Center, 3785 Highway 27 | hcdjls.org

Scenes of Riverhill Do you have a great photo of scenes around your neighborhood? We’d love to share it! Send photos and captions to riverhill@dailytimes.com.

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Photos by 1. Karen Gueirrero. 2. Melanie Houdeshell’s view off her balcony on Lakewood Drive. 3. Paul Stafford.

Riverhill Living 27


Our Club Members Are Our Passion Our remarkable golf club started with a friendship between golf legend Byron Nelson and renowned course designer Joe Finger. That tradition continues today with the friendships still formed and strengthened on the rolling hills of Riverhill Country Club just as Byron Nelson had hoped. You are invited to be a part of that tradition and the present celebration of the game of golf, fabulous dining and events, world-class tennis, swim and fun for your entire family. Many families have taken part in what Riverhill has become over the past 112 years when it began as the mansion at Cedarcrest. Many families return generation after generation to enjoy the important history of this estate and the wonderful part the club continues to play in their lives.

RiverHill฀Country฀Club฀has฀several฀ membership฀packages฀that฀include฀resident,฀ senior,฀junior,฀corporate฀and฀non-resident.

Summer Fun for the Entire Family! Riverhill฀Country฀Club฀•฀RiverhillCC.com฀•฀896-1400฀•100฀Riverhill฀Club฀Lane฀•฀Kerrville Please contact Membership Director Bryan Hargrove at (830) 896-1400 x2230 for more information about memberships and initiation fees.

28 Winter 2018-19