Boerne Business Monthly - April 2022 by Distinct Media LLC

Volume 14, Issue 10: April 2022

BOERNE business monthly

Creating Bite-Sized Happiness

WHAT’S SO BAD ABOUT INFLATION? SPRING INTO ALLERGY SEASON LOC AL NEWS & INFO

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hey y'all

If you are a cookie lover, and you probably are, have you tried the AH-MAY-ZING cookies at Opal & Onyx Cookie Co.? I’ll admit, I had not yet tried these delightful creations until recently, but WOW! I took some home to my kids, they devoured them all and declared them to be the best cookies in the world. So there ya go...Dylan, Dutch and Lauren approved! My poor husband has yet to try them because they were all gone by the time he got home. We’ll try to save him some next time, maybe?!? So read all about the local couple behind all of this cookie goodness, Trey and Hilary Deville, on page 16 and then go get yourself some cookies. It’s springtime in Texas and that means warmer days, sunshine, wildflowers and lots of fun outdoor time. What also comes with that for many people is allergies. But you are in luck! Our favorite local pharmacy, Annie’s Apothecary, has some suggestions on natural supplements to help get you through. Check out their article on page 22 to learn more. Boerne Business Monthly is published by Distinct Media, LLC, copyright 2022. 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.

We all know that inflation is on the rise. Everything costs just a little more these days. Turn to page 8 and see what advice Karl Eggerss of CapTrust has to help us adjust in times like these. We have a lot of things happening in April in and around Boerne too. There are concerts, plant sales, car shows, nature hikes and so much more. The Hill Country Mile has been

buzzing with people, but don’t let the tourists have all the fun. Be sure to go experience all that comes with living in our great town this spring! Hope to see you around town,

Lauren Stumberg Owner/Publisher

INTERESTED IN RECEIVING BBM BY MAIL, EMAIL OR BOTH? Send us your info to info@boernebusinessmonthly.com

Let’s Be Friends!

Folllow Us @boernebusinessmonthly 4

B oerne B usiness M onthly | April 2022

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April

CONTENTS

08: finances Javier Acevedo

Robin McCall Dallenbach

What’s so Bad about Inflation? courtesy of Karl Eggerss – CAPTRUST

10: calendar 12: awards

Local Shops Awarded “Best Store” Title

16: cover feature Jim Campbell

Renee Campbell

Opal & Onyx Cookie Co.: Creating Bite-Sized Happiness

22: health

Spring Into Allergy Season

by Leigh Ann Greenberg, PharmD

23: real estate

Out-of-State Movers Not to Blame for Surging Texas Home Prices

27: fun facts 28: ribbon cuttings

21: start up

Common Fears when Starting a Business

Kathy Cloud Wiley Cloud Owner/Brokers

Interested in advertising? Have an article idea? Just want to say “Hi”? We’d love to hear from you!

BROKER MOBILE: (325) 347-7693 TEXASHILLCOUNTRYREALTY.COM

B oerne B usiness M onthly | April 2022

@boernebusinessmonthly | info@boernebusinessmonthly | (210) 219-6735

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finances

What’s so Bad about Inflation?

by John D. Curry

We’ve been hearing a lot about inflation lately, but what’s all the hype about? Some of it is practical. Restarting the global economy after the COVID-19 shutdown has not come without a few hiccups that have dramatically affected the prices of some goods and services—food, energy, automobiles, and transportation services to name just a few. Meanwhile, the prices of stocks and real estate have risen to new heights, thanks to the Federal Reserve’s easy money policies and government stimulus checks. Interest rates have ticked up slightly—from historical lows—further adding to inflation anxiety. Zero Sum Inflation is a complicated thing and, like most things macroeconomic, tends to be a zero-sum game—where one person wins only at the expense of causing someone else to lose. Rising wages benefit workers—especially workers in industries hard hit by the pandemic and workers who have not seen meaningful wage increases in recent years. This, of course, means that consumers pay more for the goods and services they consume. Meanwhile, rising real estate prices are good for homeowners, but rising rents put pressure on renters’ household budgets. And rising interest rates generate more interest income for savers, but borrowers pay more on their mortgages, credit cards, and car loans. Whether inflation is a good thing or a bad thing for you really depends on your specific facts. And the complexity of the equation for your household makes it difficult to predict the impact. Times They Are A-Changin’ Over the past decade, interest rates have been stuck at historically low levels. In fact, along the way, fears of deflation and negative interest rates repeatedly made the headlines, and policy makers wondered what it would take to get back to a healthy level of inflation. Along the way, investors, including many nearing or in retirement, struggled to generate income from their portfolios. They were forced to accept lower returns— at least on the fixed income portions of their portfolios—or take more risk to achieve their goals. Thankfully, those who took more risk by investing in stocks were handsomely rewarded (despite a few white-knuckle moments along the way). Further, while the low-rate environment created income challenges for retirees, they benefited from low inflation during this period. So, even as they shifted to stocks and other riskier investments that generated higher returns, the cost of living

barely budged, allowing standards of living to rise. According to Morningstar, a simple portfolio of 45 percent U.S. stocks, 15 percent international stocks, and 40 percent bonds, rebalanced quarterly (fees and taxes aside), would have returned more than 8.8 percent over the decade from 2011 to 2020 while inflation ticked up at a mere 1.73 percent. Now, it seems that we are entering a new chapter. As inflation and interest rates creep higher, bonds and other fixed-income investments may, at some point, become more appealing. (This, of course, assumes we don’t see a rapid rise or a dramatic spike in rates.) That’s certainly good news for investors, but they should be careful to consider their financial plans before they make any hasty moves. Out of the Frying Pan As we sit on the verge of a potentially new and higher inflation regime, it’s important to understand two cognitive biases that become more relevant. Money illusion is the name for a bias that describes humans’ tendency to think about their wealth and income in nominal dollars—today’s value—rather than real dollars that include the impact of inflation on tomorrow’s purchasing power. The money illusion anchors us to the value of money today and makes it hard for us to grasp, for example, what $100,000 of income will buy us in 10 years. At a 2 percent inflation rate that $100,000 will have only $83,400 of purchasing power in 2031. At 3 percent inflation, that number shrinks to $76,000. Exponential–growth bias is our tendency undervalue the effects of compound interest. For investments, this means we tend to underestimate future values. For inflation, it means that we overestimate

This document is intended to be informational only. CAPTRUST does not render legal, accounting, or tax advice. Please consult the appropriate legal, accounting, or tax advisor if you require such advice. The opinions expressed in this report are subject to change without notice. This material has been prepared or is distributed solely for informational purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. The information and statistics in this report are from sources believed to be reliable but are not guaranteed by CAPTRUST Financial Advisors to be accurate or complete. All publication rights reserved. None of the material in this publication may be reproduced in any form without the express written permission of CAPTRUST: 919.870.6822. © 2022 CAPTRUST Financial Advisors

B oerne B usiness M onthly | April 2022

the value of our purchasing power of our savings. Because we are very bad at these calculations, our errors can be massive, especially over long periods of time or at high rates. And, of course, a financial plan for a couple age 65 retiring today should anticipate 30 years of income in retirement. That qualifies as a long period of time. While these two biases may sound similar, they are recognized as separate behaviors, and, unchecked, they could lead to a big underestimation of the savings needed to fund long-term goals—or an overestimation of your future purchasing power. One simple way to help overcome these biases and better understand inflation’s impact on your money is the rule of 72. Divide 72 by the annual inflation rate. The resulting number is how many years it will take to cut your purchasing power in half. For example, at a 3 percent sustained inflation rate, your purchasing power will be cut in half in 24 years compared to 41 years based on the 1.73 percent average inflation rate we experienced during the 10 years before the COVID-19 pandemic. That’s a pretty dramatic change for a relatively small inflation uptick. A Change (Would Do You Good) Thankfully, the creeping nature of inflation means that you have time to address the risks and plan accordingly. Here are a few tips to help make sure that your financial plan remains on solid ground, whatever the future might hold for inflation. • Revisit your plan. It is wise to update your financial plan every three to five years—or more often in the event of a significant change to your financial picture or the market environment. Should we determine that the recent surge of inflation will stick around, you should contact your advisor to update your financials and rerun your plan to help ensure that it still makes sense.

• Do a shock test. As boxer Mike Tyson famously said, “Everyone has a plan until they get punched in the mouth.” Make sure your plan includes multiple scenarios, including extreme inflation scenarios, living to 100 (or older!), or a significant market sell-off during retirement—whatever you need to test to make sure you’re going to sleep at night. • Reserve the right to reassess. Financial planning is not a set-it-and-forget-it endeavor. It’s an iterative process, and you can adapt along the way, as needed. If you determine that rising inflation creates risk for your plan, you may decide to work a few more years, save a little more, spend a little less, or accept the risk, knowing that you can take another look in a year or two. At present, it is difficult to know how the recent rise in inflation will play out. We may just be experiencing a short-term bout of inflation. Or this may be the beginning of something longer-term. Perhaps we will encounter a mixed scenario, where we see sustained price increases in some areas of the economy while others abate. Regardless, with a solid plan in place—and the ability to adjust, as needed, to conditions—you will be well on the road toward your long-term financial goals. BBM Karl Eggerss is a principal based out of Boerne, Texas. At CAPTRUST, he provides insightful planning and investment guidance to clients and is a valuable addition to the team through strategic research, due diligence, and portfolio construction. Throughout his career, Karl has enjoyed offering opinions on the state of the economy and the financial markets whenever possible. He has hosted a syndicated radio show airing in Houston, Dallas, San Antonio, Colorado Springs, and Denver. Karl has been a frequent contributor on various financial news networks, including CNBC, CNBC Asia, Bloomberg, Fox Business, and Reuters. Currently, he hosts a weekly podcast called “Creating Richer Lives,” focusing on living a richer life beyond bank account balances.

Serving the Texas Hill Country Since 1916

103 N. Saunders St. – Boerne (830) 816.2131

Our goal at Kendall County Abstract Company is to be the premier title company in Kendall County. We provide real estate closing services and title insurance to both individuals and businesses. All work and research is done in-house at our office. When you have questions and are looking for high quality, we are ready to serve your needs.

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APRIL ALL MONTH LONG GET FIT BOERNE April is Get Fit Boerne Month! All month long, local organizations and businesses will offer fitness and wellness programs at no cost but you have to register. Visit ci.tx.boerne.us for schedule and to register. Once you register pick up your pass at Boerne Parks and Recreation Administration office located: Boerne Parks & Recreation Administration Office at 1017 Adler Street – Boerne

THROUGH APRIL 13 AARP TAX ASSISTANCE Mondays - Wednesdays 10:00am to 4:00pm Patrick Heath Public Library Community Room 451 N. Main – Boerne AARP volunteers will be on hand to assist with taxes. Please call the Library at (830) 249-3053 to schedule an appointment. The AARP volunteers will only be seeing people by appointment. This service is free! Those being helped by the AARP volunteers will need to wear masks. EVERY SATURDAY

Calendar of Events

OLD JAIL MUSEUM TOURS 10:00am to 5:00pm 208 E. San Antonio Ave. – Boerne Tour the Old Jail Museum and enjoy its unique exhibits. The Kendall County Historic Jail was constructed in 1887 and served for a century as the county jail. In recent years, the Friends of the Kendall County Historic Jail have painstakingly restored the space, bringing it back to life as a one-of-a-kind museum of Kendall County history. $5 Adults; Free for Children under 10, Veterans, and Law Enforcement A DAY AT THE FARM AND FARMERS MARKET 9:00am to 1:00pm | Herff Farm 33 Herff Rd. – Boerne Vendors will be set up at Herff Farm to supply you with some of your local favorites. Whether you want to hike the trails, shop in the open air, get gardening inspiration, take classes on growing your food, help the Cibolo Center for Conservation maintain the land through volunteer service projects, or get new recipe ideas, the Farmers Market at Herff Farm is the place to be.

APRIL 5 GBCC RIBBON CUTTING FOR MERCY WELLNESS CLINIC 11:30am to 12:00pm 134 Menger Springs #1230 – Boerne GBCC RIBBON CUTTING FOR SOLID REALTY GROUP'S 7 YEAR ANNIVERSARY 1:30pm to 2:00pm 119 E. Theissen St. – Boerne APRIL 5 & 19 KCBFO TRANSPORTATION COMMITTEE MEETING 2:00pm to 4:00pm www.kcbfotc.com for meeting link A short-range program of projects and operational improvements that can be implemented in the short term to relieve current congestion; A long-range program of transportation improvements that addresses current and projected travel demand; and A program of recommended policies to guide the planning and design of the transportation/land use system within Kendall County.

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B oerne B usiness M onthly | April 2022

Pasta Sampler

Lasagna, Cannelloni, Manicotti

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APRIL 7 GBCC RIBBON CUTTING FOR INCREDIBLE DESTINATION TRAVEL & PREMIER HILL COUNTRY PROPERTIES 11:30am to 12:00pm Departure Lounge 23718 W I10 Suite 111 – San Antonio DIVA NIGHT IN BOERNE 5:00pm to 9:00pm Downtown Boerne on the Hill Country Mile The best girls night out on the Mile is back! Spring Diva Night which is sponsored by Cavender Caresand JB Goodwin Realtors will be bursting with everything you love from your favorite shops: later shopping hours, cocktails, fun bites, music and more. It's the perfect night out with friends and is great for some mother/daughter q-time too. Come out and support your local businesses with a night of fun shopping. APRIL 8 CLAY WALKER CONCERT Doors 6pm, Mario Flores & SCB 8pm, and Clay Walker 9:30pm The Roundup Music Venue 531 FM 3351 N. – Boerne With 31 charted singles, a dozen No. 1s, four platinum albums, and decades of performances to his credit. Titles spanning 15 years and still receiving strong airplay, this will be a night you will not want to miss! Get your tickets today they will sell out! NIGHT HIKES FOR ADULTS 8:00pm to 9:30pm Cibolo Center for Conservation 140 City Park Rd. – Boerne Explore the Cibolo at Night! Join naturalist Jasmine Torrez and explore the Cibolo Center for Conservation to discover various living organisms that call the Cibolo home. Get a chance to see native plants and wildlife up close. Learn about animal and plant species’ habitats, natural history, and identifying them. You never know what you will find, so join them for this wildcard night hike through the Cibolo. Please bring a flashlight and a water bottle. Attendees will meet at the Cibolo’s Visitor Center before heading out on the trails. $10 members $15 non-members APRIL 8-10 11TH ANNIVERSARY ART SHOW & SALE April 8th: 10am to 6pm; April 9th: 10am to 8pm; April 10th: 10am to 6pm Texas Treasures Fine Art Gallery & Frame Shop 605 S. Main St. – Boerne Come celebrate Texas Treasures Fine Art Gallery's 11 Year Anniversary! Join them Friday for a Happy Hour and Art Show Kick-Off. The party and sale will continue throughout the weekend with live music, catering, local vendors, and an open bar!

continued on page 20

leave a legacy.

MARK BUKOWSKI

CHARLIE RIDDLE

Director of Land and Ranch

Director of Commercial Real Estate

c. 719.650.7012 mark@legacybrokergroup.com

c. 210.383.0007 charlie@legacybrokergroup.com

SPECIALIZING IN FINE TEXAS PROPERTIES, COMMERCIAL, EXOTIC, RANCH & LUXURY

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Personal • Commercial • Bonds www.wspinsurance.com

New Office Location! 179 S. Main St. – Boerne, Texas 78006

Barrett Houser | (830) 443-1950

boernebusinessmonthly.com

awards

Five Boerne Shops Awarded “Best Store” Title by Shop Across Texas

ain de on M

a f Handm ur tesy o o c re tu pic

Congratulations to local shops Handmade on Main, 259 Home Market, Ella Blue, Chloe Rose and The Dienger Trading Co. for making this year’s “Best Store” list by Shop Across Texas. Along with these amazing local stores, Boerne has so many fantasitic shops and boutiques that add to our city’s unique charm. Be sure to pay them a visit and of course #ShopLocal! View the full 2022 “Best Store” list at www. shopacrosstexas.com. This list, better known as the bible of Texas shopping, showcases the best of the best places to shop in Texas across 41 cities spanning the Lone Star State. BBM

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B oerne B usiness M onthly | April 2022

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Country Estate located within minutes from schools and downtown Boerne shops and restaurants. Hill Country Estate ideally suited for country living and recreational enjoyment. Beautiful post oaks, live oak and spanish oak trees overwhelm the landscape providing seclusion and privacy. Good soils with a gentle roll of the terrain across the estate. State permitted water well and electricity in place. Pond ready for the kids fishing adventures. Paved road frontage on North Esser and F.M. 474. No City taxes, No HOA, light restrictions. Boerne Independent School District. Great Neighbors, Great Schools, Great Community. Location coordinates - 29.8132, -98.7134

Contact Steve Bennett – (210) 287-3776

501 E SAN ANTONIO – BOERNE, TEXAS | WWW.HCHOMEANDLAND.COM | (830) 331-1104

boernebusinessmonthly.com

FOR SALE: SOLD!

$170,000 - BURNING TREE CONDOMINIUM - 627 OAK PARK

2 bed, 2 bath, covered parking, gated entry, no lawn maintenance, enclosed private patio area. Needs TLC.

FOR LEASE: NEW LISTING!

NEW LISTING!

209 GLENN OAKS – $1,850

3 bed, 2 bath on quiet cul-de-sac close to I-10 exit. Fenced yard. Owner prefers no pets. Ready for occupancy on or before April 15.

117 WHISPER WAY – $1,300

2 bed, 2 bath, 1 car garage duplex available on or before April 15.

2112 PANIOLO DRIVE – $1,900

2 bed, 2.5 bath, open floor plan, great kitchen, great location.

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Bluebonnet Realty

LYNELLE BOYD (830) 822-0688 14

Since 1989

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ANGELA TURNER ASSOCIATE BROKER

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SUZANNE MCGINNIS (830) 377-5227

(830) 816-2288 | BoerneTexasHomes.com

B oerne B usiness M onthly | April 2022

FOR LEASE: NEW LISTING!

157 MAGNOLIA CIRCLE – $2,900

3 bed, 2.5 bath townhome, approx/ 2035 s.f. with attached 2 car tandem garage. Great location! Only 1 tenant before you. Sorry, no pets please. Ready for immediate move in. Call to see.

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202 RIVER TRAIL – $2,000

ACCESS TO RIVER PARK AND GUADALUPE RIVER!! This newly updated rock cottage has 2 bedrooms, 2 full baths, laundry room, new vinyl laminate floors, and a large deck for viewing the river, wildlife, and the stars of Texas! Owner’s have made it accessible to the river so you can spend the summer swimming, tubing & fishing.

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107 RIDGE TRAIL – $1,700

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214 ENGLISH OAKS CIRCLE – $2,950

PROPERTIES ARE MOVING FAST! IF YOU ARE LOOKING TO BUY, SELL OR LEASE YOUR HOME THERE IS A HIGH DEMAND

Give Us a Call - We’d Love to Help!

boernebusinessmonthly.com

cover feature 16

B oerne B usiness M onthly | April 2022

Creating Bite-Sized Happiness by Lauren Stumberg | photos by Ron Pritchett

Chocolate chip, sugar, peanut butter, oatmeal raisin… whatever your favorite flavor, everybody loves cookies. And if you’ve been on the hunt for some delicious homestyle treats just like grandma used to make, (but even better) then you are in luck! Husband and wife team, Hilary and Trey Deville, owners of Opal & Onyx Cookie Co. are heating up the local cookie scene with their to-die-for cookie creations. The duo behind Opal & Onyx takes great pride in their baking, using only the finest ingredients, to create some of the best cookies you’ve ever tasted. The menu staples include Cavernous Chocolate Chip, Opalescent Sugar, Cosmic Cookies and Cream and Earthquake Oatmeal. Each week they also feature Cookies of the Week that have fun and seasonal flavors and there is always a gluten free option as well. Did you happen to notice a scientific theme to all of these cookie names? Opal & Onyx’s delicious homestyle cookies are created with passion and inspired by science. Hilary just so happens to have a Bachelor of Science degree, so it is no coincidence that everything from the name of the business to the cookies themselves, reflect her love of all things science. Founded during uncertain times, Opal & Onyx Cookie Co. began as a small cottage bakery business. Having been laid off from her job in Human Resources, Hilary began looking for what she wanted to do with the next chapter of her career. “I knew I wanted to do something

for myself. I wanted to start my own business; however, I wasn’t sure what that looked like. I ran through many ideas, big and small. Eventually, I landed on cookies,” said Hilary. “The idea of a cookie business appealed to me because it was something that I could start small and then grow.” According to Hilary, she has been cooking her entire life, but not necessarily baking. “I love to cook. I also love cookies. But prior to opening Opal & Onyx most of my friends or family had never tasted a cookie that I had made,” she said. However, at her previous job Deville had been making and taking cookies to work for her co-workers to enjoy and her love of baking grew from there. So off to the races it was. The Devilles launched their business online in May of 2020 under the Texas Cottage Law and began making and selling cookies from their home. “We frequented local farmers markets and the business began to grow! We were selling around 700 cookies in a two-day time period at Boerne Market Days. At the same time our online sales began to take off too. This was all during Covid and we were driving all over the hill country, from Boerne to Helotes to Schertz, leaving boxes of cookies on people’s porches,” said Hilary. “All of this baking literally overtook our home. The living room

continued on page 18

STORY BEHIND THE NAME: So why Opal & Onyx? The owners thought that the yin and yang of these minerals not only reflected their relationship, but had many other cool qualities too. Both Opal and Onyx are found naturally in Texas, and while visually they are opposite, their chemical composition is almost exactly the same. And bonus, they sound really cool together and made for a fun logo! boernebusinessmonthly.com

you! All of the gift items sold in the store are from women owned businesses too. At Opal & Onyx you are always getting the freshest cookies possible. They start each day baking one to two dozen of each type of cookie and then they bake as they sell. According to Hilary, “We have customers who call and place their order and we pop some cookies in the oven for them. You can call and request hot cookies and we will do the same. Each batch of cookies takes 14 minutes to bake so if you give us a heads up we will have them ready, boxed up and can even bring them out to your car. We aim to please!” Other services that Opal & Onyx offers are cookie cakes in various sizes, individually wrapped cookies for school events or gifts, party trays and catering for weddings or events. Need something special for holidays? Check their website and social media sites as Opal & Onyx always has fun holiday special orders available. “We are continually looking for ways to grow and expand our business,” said Hilary. “We have hired on a couple of wonderful young ladies who will not only be helping with baking and at the store, but that will allow us to be back at Boerne Market Days too. We are also going to start selling frozen dough, complete with fail-proof instructions for our customers to have on hand at home to bake whenever they want.” Also, be on the lookout for fun summer workshops for kids and their parents, of course with baking/science related themes! BBM

continued from page 17

and kitchen were dedicated to baking, the guest room became our packing area. Our oven was not equipped to handle this volume and would shut itself off, so we would have to work around that. We even sold a bunch of our furniture to make room for the cooking equipment we needed. Eventually, Trey and I decided we needed a space outside of our home to work.” The Deville’s then began searching for a place where they could have a ghost kitchen. A place away from home equipped with all of their commercial baking needs. “We had no intention of opening a retail space, but as it turns out we found a spot that allowed us to expand Opal & Onyx in more ways than one. We were able to get the baking space we needed and have a fun store front that our customers love to come and hang out in!” Hilary said excitedly. Once the space was secured, the Deville’s quickly got to work finishing it out. Two months and lots of do-it-yourself projects later they opened the doors to their new location at the end of August 2021. This retail space is complete with lots of delicious cookies, but also fun drinks such as Lavender Lemonade, Hibiscus Lav Raspberry Spritz, and of course, milk, coffee and tea. Inside you will also find a selection of birthday cards, candles, and gifts. Pretty much everything you could need should you want to stop by and grab a fun gift for someone, and they’ll even wrap it up and put a bow on it for

B oerne B usiness M onthly | April 2022

10:30am to 6:00pm – Tuesday through Saturday 31007 IH-10, Ste 102 – Boerne | (830) 443-2884

Order Online at

WWW.OPALANDONYXCOOKIES.COM

The weight of a post hole digging bar varies with the enthusiasm of the digger. WE UNDERSTAND RANCHING, LAND TRANSACTIONS, AND QUITE A BIT ABOUT HUMAN NATURE.

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(210) 884-5276 krista@legacybrokergroup.com

FRED STUMBERG

(210) 287-4149 fred@legacybrokergroup.com

KRISTA UPHAM | FRED STUMBERG

Land Specialists

REAL ESTATE | LAND | RANCH | HOME | INVESTMENT www.LegacyBrokerGroup.com boernebusinessmonthly.com

CALENDAR OF EVENTS

| continued from page 11

APRIL 9 ANNUAL EASTER EGG HUNT 10:30am to 12:00pm Boerne City Lake Park Get your Easter baskets ready and your tennis shoes on! Children are welcome at this free community event. Don't miss a special appearance by the Easter Bunny! Pre-activities begin at 10:30am, Hunt will start at 11:45am SECOND SATURDAY AUTHOR SIGNING 11:00am to 1:00pm Patrick Heath Public Library | 451 N. Main – Boerne Local author Saige Diaz will be in our Library's lobby today, to sign copies of her sweet board book for children, titled Little Wonders. Please stop by to meet the author, and take a look at her wonderful book! BLACK RIFLE BLOCK PARTY 4:00pm to 10:00pm Black Rifle Coffee Co. & E. San Antonio Ave. Join the folks at Black Rifle Coffee Co for another Block Party! MUSIC IN THE CAVE - CELLO ALONE WITH JOSEPH KUIPERS 7:00pm to 9:00pm Cave Without a Name | 325 Kreutzberg Rd – Boerne Experience a unique musical experience down in the Queen's Throne Room. Advance: $32; at the door: $37 (if available). ROTARY CLUB OF BOERNE CASINO NIGHT 6:00pm to 10:00pm Rainbow Senior Center at Kronkosky Place 17 Old San Antonio Rd. – Boerne

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B oerne B usiness M onthly | April 2022

Tickets $100 per player, includes $1,000 in gaming chips, buffet dinner, open bar, and chance to win cash prizes! Sponsorships are available! Please contact Kathy Estes at (512)426-3550 or kathyestes04@gmail.com for tickets and sponsorship information. APRIL 9-10 BOERNE MARKET DAYS Main Plaza 100 N. Main St. – Boerne Saturday 10:00am to 5:00pm Sunday 10:00am to 4:00pm Since 1850, Main Plaza has been a center point of trade for the people of Boerne. In the present day, on the second weekend of every month, Main Plaza is home to a magical outdoor market that blends the traditions of the Texas Hill Country with the creations of today’s culture. Hundreds of festive booths display everything from collectibles and remembrances of the past to modern innovations that will bring a smile of wonder to those who stroll past. APRIL 9 & 23 KUHLMANN-KING MUSEUM TOURS Kuhlmann-King Historical Complex 402 E. Blanco Rd. – Boerne Take a tour around the Kuhlmann- King property to step back in time to experience and explore how a Boerne family would have lived in the late 1800s. Keep an eye out for different educational programs each month. BLUEGRASS JAM AT THE AGRICULTURAL 11:00am to 1:00pm The AgriCultural Museum 102 City Park Road – Boerne Every second and four th Saturday of the month, bring your instrument and play along, or just come to listen! This event is free and open to the public. APRIL 11 KENDALL COUNTY COMMISSIONER’S COURT 9:00am to 11:00am Kendall County Cour thouse 201 E. San Antonio Ave. – Boerne

APRIL 14 GBCC RIBBON CUTTING FOR TRI LEAF TECHNOLOGY SERVICES, INC. 11:30am to 12:00pm

121 S. Main Street – Boerne GBCC BOERNE AFTER 5 MIXER: HOSTED BY VIC VAUGHAN TOYOTA OF BOERNE 5:00pm to 7:00pm Vic Vaughan Toyota of Boerne 31205 IH 10 Frontage Rd. – Boerne CITY COUNCIL MEETING 6:00pm to 8:00pm Livestream Meeting See ci.boerne.tx us for link to meeting.

continued on page 24

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COMMON FEARS

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WHEN STARTING A NEW BUSINESS

Starting a new business can be scary under any circumstances, but today’s climate may cause prospective entrepreneurs additional concern. Don’t let your fears stand in the way of achieving your small business dreams. Here are some of the most common concerns when thinking of starting a new venture, and how to overcome them! WHAT IF I FAIL? Instead of letting the fear of failure stop you before you begin, why not use fear as a motivator? Purpose to yourself that you won’t fail and use that as inspiration to succeed. Don’t live your life wondering what could have been, take a leap of faith and follow your dreams! WHAT IF I SUCCEED? This seems like a good problem to have, but many people worry that if they start a business and it becomes successful it may become overwhelming. Instead of worrying about what might be, focus on the positives of what a successful business will mean for you and your family. Success created by following your dreams is definitely a positive! DO I HAVE ENOUGH EXPERIENCE? Chances are, you should not start a business that you know nothing about. However, many prospective small business owners stall out on the idea that they are not the industry’s leading expert. As long as you have experience, a good understanding of your field and a drive and passion to learn and grow – go for it! You may not know everything there is to know, but there is no better way to become an expert than through hard work and learning by doing. DO I HAVE WHAT IT TAKES TO COMPETE? In today’s business climate competition is everywhere, and let’s face it, it can be very intimidating. Gone are the days where you just competed locally for your customers business. Now companies from all over the globe are after your same clients. However, if you have a passion for your product and service and a commitment to customer service, let those things shine through and raise you to the top. And, just as fear can be a great motivator, so can competition. WHAT IF I CAN’T PAY THE BILLS? Starting a new business venture can be expensive. Not only do you have the costs associated with starting from the ground up, but then you must figure out if you will be able to pay yourself and cover your personal expenses too! Being realistic about your financial situation before you jump in is an important step to success. Do you have ample savings to get you through if the first year in business is slow? Should you take out a small business loan? Have you carefully calculated how much money is needed to start this business? All of these things and more should be well thought out before making any decision. There will always be surprises, and you can’t predict the future, but having a good handle on the finances prior to beginning will set you up for success.BBM boernebusinessmonthly.com

health

Flowers are blooming, bees are buzzing, and people are enjoying the warmer weather of spring. As you enjoy more outdoor activities, you may also begin to suffer from more allergy symptoms. According to the Center for Disease Control, more than 50 million Americans suffer from allergies each year. Not only is your car covered in pollen, but your eyes are itching, your nose is congested, and you can’t stop sneezing. Allergy sufferers may not only experience physical symptoms, but also mental and functional declines that affect their everyday lives. Allergy symptoms are caused by an overreaction of the immune system in response to an allergen. The allergen is usually just a harmless substance like pollen. One of the ways you can reduce the allergy burden is by avoiding contact with known allergens. Staying indoors when the allergens causing your sensitivity are in peak season may decrease your allergic response. Pets can allergen avoidance more difficult since they track these allergens into your home. If you know you have been exposed to an allergen, you can remove and wash articles of clothing that came into contact with the offending allergen. Taking medication, over-the-counter and/or prescriptions, is a common strategy to reduce allergy symptoms. There are several antihistamines and nasal sprays used to reduce allergy symptoms, but if you want to try a natural alternative, D-Hist® by Orthomolecular may be a good option for you. This product combines bioflavonoids and herbs that help combat allergies including quercetin, stinging nettle, bromelain, and NAC. Quercetin, a naturally occurring bioflavonoid, may help protect tissues from harmful oxidation and inflammation caused by allergens. Bromelain, a naturally occurring enzyme in pineapple, may help reduce swelling and inflammation; and n-acetylcysteine (NAC) may decrease mucus buildup. Vitamins and minerals are another great resource to help reduce allergy symptoms. Vitamin C is an antioxidant that may help protect the immune system and deactivate histamine, which is involved in the immune response. Since the acidity of vitamin C can be rough on the stomach, buffered Vitamin

Spring Into Allergy Season by Leigh Ann Greenberg, PharmD

C tablets and powder supplements are gentler on sensitive stomachs. Allergies are stressful to your body which increases your body’s requirement for vitamin C; therefore, adding vitamin C is a great idea! Zinc is a mineral that may also reduce oxidative stress on the immune system. It can shorten the recovery time for acute health problems like allergies. Unfortunately, zinc is not well absorbed when combined with other minerals. Zinc glycinate is a unique form because it is well absorbed even when combined with other minerals. You don’t have to suffer this spring. By taking a few precautions and adding vitamin C and D-Hist® to your daily routine, you can enjoy your next outdoor adventure without suffering from your allergy symptoms. If you would like to learn more about the supplements discussed above, please contact Annie’s Apothecary. BBM

anniesrx.com

211 S. Saunders – Boerne 22

B oerne B usiness M onthly | April 2022

real estate

OUT-OF-STATE MOVERS NOT TO BLAME FOR SURGING TEXAS HOME PRICES

Increased migration to Texas, particularly from higher-income states like California, has prompted concerns of diminished housing affordability as newcomers search and compete for housing. However, new analysis by the Texas Real Estate Research Center (TRERC) indicates migration patterns offer little explanation for the recent runup in home prices. “There is essentially no correlation between Texas’ statewide home-price appreciation and migration patterns over the past 15 years,” said Wes Miller, senior research associate for TRERC at Texas A&M University. “The median home price rose steadily in the 2010s, with peak growth reaching 9 percent in 2013. At the same time, domestic migration was stable at around 100,000 net new residents throughout the decade.” Although the net flow of people into and out of Texas was balanced throughout the period, the economic profile of interstate movers evolved over time. Starting in 2014, the median income of interstate movers accelerated above their Texas counterparts and has persisted at an elevated level. In contrast, the $60,000 premium in median home value between interstate and intrastate buyers remained relatively constant for at least 15 years. “The composition of interstate movers shifted to higher income earners, but their home-purchase decisions exhibited no such change,” said Miller. “Part of this may be due to the fact that movers are often young and more likely to rent when first moving across state lines.” The median age and homeownership rate for new Texans was 29 years and 43 percent, respectively, compared to 41 years and 73 percent for incumbent Texans based on 2019 American Community Survey data. “Demographic differences lead interstate movers to search for different types of housing," Miller said. “For those who purchase during their first year in Texas, their homes are often more spacious. This preference for larger homes largely explains the price premium observed between in-state and out-of-state purchasers. We see no meaningful price-per-square-foot premium.” Distinct preferences between interstate and in-state residents may affect developers’ decisions on what type and where to build housing, choices that have long-term consequences for the state’s housing market. While out-of-state movers do not appear to be driving annual home-price fluctuations at the aggregate level, they are more likely to affect specific neighborhoods or local markets at a smaller scale. “For explanations of the broad-based boom in Texas housing prices over the past decade, it may be more useful to look at the expansionary business cycle, strong labor markets, and mortgage interest rates,” Miller said. “Persistently low housing inventories and supply were a major contributor as well.” BBM Information courtesy of Texas Real Estate Research Center. Funded by Texas real estate licensee fees, the Texas Real Estate Research Center was created by the state legislature to meet the needs of many audiences, including the real estate industry, instructors, researchers, and the public.

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CALENDAR OF EVENTS | cont’d APRIL 14 4TH ANNUAL KENDALL COUNTY LIAR’S CONTEST 7:00pm to 9:00pm Patrick Heath Public Library Amphitheater 451 N. Main – Boerne This evening is our 4th Annual Kendall County Liar's Contest! We aren't lying! If you haven't been to one of these, you are in for a treat! Storytellers from across Texas will compete for the title of "Best Liar in Kendall County!." This program is free and family friendly. Since the program is held in the Amphitheater, please bring a lawn chair or blanket to sit on. APRIL 15 GOOD FRIDAY APRIL 17 EASTER APRIL 19 GBCC RIBBON CUTTING FOR IDEAL HEALTH BOERNE 1:30pm to 2:00pm 1109 S. Main St. Suite 101 – Boerne B.O.N.D. - BOERNE OPEN NEIGHBORHOOD DISCUSSION 5:30 pm Visit ci.boerne.tx.us for zoom meeting link Boerne Open Neighborhood Discussion (B.O.N.D.) meetings are an informal opportunity for residents to learn about proposed developments near their homes or businesses. Hosted by the City’s Planning and Community Development Department, these meetings discuss projects that may include rezoning, subdivisions, or requests for creative solutions. The meetings allow developers to hear feedback from the community before a case goes before the City for formal consideration. APRIL 21 GBCC RIBBON CUTTING FOR PAULA VM PHOTOGRAPHY 1:30pm to 2:00pm 102 E. Hosack St. (Upstairs) – Boerne

(830) 816-2288 24

B oerne B usiness M onthly | April 2022

Judy Filingeri Owner Angela Turner Associate Broker Carey Stewart Realtor Suzanne McGinnis Realtor Lynelle Boyd Realtor

GBCC RIBBON CUTTING FOR RIVERVIEW NURSING & REHABILITATION 5:15pm to 5:30pm 1102 River Rd. – Boerne, TX 78006 LIVE! AT THE LIBRARY 7:00pm to 9:00pm Patrick Heath Public Library Amphitheater The April Live! At the Library performance will be by the band "Mark Monaco and the Strayhearts." This program is free and open to all. Since the event will be held at the Amphitheater, please bring a lawn chair or blanket to sit on.

continued on page 29

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did you know?

fun facts

April Fun Facts

Several varieties of lupines are toxic to animals and cause discomfort to humans when ingested.

1901

the year the bluebonnet was chosen as the state flower of texas

All species of the bluebonnet were included in 1971.

“cactus jack”

STATE REPRESENTATIVE JOHN NANCE GARNER OF UVALDE (WHO WOULD EVENTUALLY BECOME VICE PRESIDENT UNDER ROOSEVELT IN 1932) WAS PROMOTING THE FLOWER OF THE PRICKLY PEAR CACTUS AS THE BEST CHOICE FOR STATE FLOWER OF TEXAS IN 1901. HIS CHOICE DID NOT WIN, BUT HIS ENTHUSIASM FOR THE PLANT EARNED HIM THE NICKNAME “CACTUS JACK.”

BLUEBONNETS LOVE SUN WHICH IS ONE REASON THEY DO SO WELL IN TEXAS!

Texas was the first state to plant flowers alongside the state highways.

boernebusinessmonthly.com

ribbon cuttings

Greater Boerne Chamber of Commerce March 2022 Ribbon Cuttings

TWO MEN AND A TRUCK Two Men and A Truck is the nation’s leading full-service moving company, offering customers comprehensive home and business relocation, packing and unpacking, and junk removal services. General Manager Doug Krause makes training and customer service a priority and is proud to offer professionally trained movers along with top-of-the-line equipment and resources to exceed your expectations. Their goal is to tailor each experience to specifically fit all moving needs. Learn more about Two Men and a Truck by calling (210) 280-1961, emailing mandi. schneider2@twomen.com or by going online twomenandatruck.com!

CARDCONNECT CardConnect is an award-winning credit card payment integration for software, SMB’s, enterprise business and everything in between. As a leading credit card payment processor, you can leverage CardConnect’s expertise to meet the unique needs of your business across all industries and verticals. For more information, visit cardconnect.com or reach out to CardConnect’s sales agent Melody Kazarian at (504) 201-4013 or melody@cardconnectcp.com!

BOERNE BENEDICTINE SISTER’S 60TH ANNIVERSARY The Boerne Benedictine Sisters are called to seek God in Community and to respond in ministry through sharing their spirituality and addressing the needs of the people they serve, especially the poor. With their 60 years of service, they are also celebrating Catholic Sisters week which takes place March 8th-14th and Mayor Tim Handren presented Sister Bernadine Reyes, OSB, with a Proclamation for Catholic Sisters Week in Boerne and by honoring their 60th Anniversary! Interested in learning more about the Sisters and all the ways they support our community? Give the Boerne Benedictine Sisters a call at (830) 2492645 or go to boernebenedictines.org!

PROMOTION PHYSICAL THERAPY Promotion Physical Therapy utilizes the most effective, efficient and beneficial physical therapy treatment techniques; you will not only get better, but you’ll get better faster! Dr. Justin Martindale and his team are full of compassionate and knowledgeable Physical Therapists who strive to promote the physical well-being of patients up to their maximum potential. Learn more about Promotion Physical Therapy by stopping by and visiting them at 904 E. Blanco Rd. Boerne, TX 78006, go to promotionpt-sa.com or by calling (830) 331-1114.

SUBURBAN BUILDINGS Suburban Buildings is a Post-Frame Building Company located in Boerne,Texas. Whether you need a garage, shop, horse barn, storage or RV shed, or even a custom designed building, Suburban Buildings has you covered! Go to suburbanbuildings.com, stop by and visit them at 635 TX-46 E. Suite 202 in Boerne, give Josh Nowlin a call at 830-308-4100 or email info@suburbanbuildings.com to learn more today!

3D REALTY & PROPERTY MANAGEMENT 3D Realty and Property Management is your Texas Military Relocation Specialists! You do so much for your country, let 3D give back to you in the best way possible. They are dedicated to helping you find the perfect home for your family’s needs and will work with you to negotiate a fair price for that home, because you deserve no less. Coming from military families themselves, no one has a better understanding of your unique needs than their team, which is why they are so passionate about helping you have the best possible transition during your relocation to or from Texas. 3D’s team of agents also specialize in buying or selling pre-owned homes, new construction, luxury homes, farm & ranch, lots and acreage, multi-unit development, investors and commercial properties. Give Elizabeth at 3D Realty & Property Management a call at (210) 749-2002, email liz.3drealtypm@gmail.com, or go online 3drealtypm.com to get started on finding your dream home today!

FREE ROAM BREWING COMPANY’S GRAND OPENING Free Roam Brewing Company is excited to call Boerne home! During his time playing professional baseball in San Francisco, owner Jeremy Affeldt fell in love with craft beer and truly found his passion. Jeremy and his brew team work hard to produce craft beer that reflects the diversity and tastes of the community. If you’re looking for a fun, welcoming atmosphere with premium quality lagers and ales, head out to Free Roam! The celebration continues all weekend long, come out and join them for delicious beer, food, tattoos, beard trimmings and so much more! Free Roam is located at 325 S. Main St. in Boerne and be sure to visit their website freeroambrewing.com for more information. Welcome to Boerne, Free Roam Brewing!

B oerne B usiness M onthly | April 2022

CALENDAR OF EVENTS | cont’d APRIL 22 VTR SOUTH CENTRAL REGIONAL CAR SHOW 2:00pm to 5:00pm Main Plaza Park | 100 N. Main St. – Boerne Car show (also known as Concours d’Elegance) featuring cars produced by the former Triumph Motor Company of England. Some 60-75 cars from Texas and surrounding states are expected to be on display. Enjoy a glimpse into automotive history. Z'S ARTISANS MARKET 6:00pm to 10:00pm Z's Wood Fired Pizza 118 Old San Antonio Road – Boerne There will be live music, local vendors who handcraft their products! Vendors may include handmade soaps, hand sewn items, handwritten home decor, hand poured candles and maybe even entertainment for the whole family! APRIL 23 BOERNE GARDEN CLUB’S ANNUAL PLANT SALE 9:00am to 2:00pm Fair Oaks Ranch Country Club Parking Lot 7900 Fair Oaks Parkway – Fair Oaks Veggies, Herbs, Succulents, Native Plants, Cactus, House Plants and more! Come by and make a donation by buying a plant! All proceeds go to Boerne Projects and Scholarships. APRIL 24 COUNTRY GOSPEL SHOW & LUNCHEON 11:30am to 1:00pm Sisterdale Dance Hall & Opera House 1210 Sisterdale Rd. – Boerne You don't want to miss the Country Gospel Show & Luncheon at Sisterdale Dance Hall & Opera house! Experience the high energy songs of old-time gospel music as heard on the Grand Ole Opry and WGM Radio of the 1930's & 1940's. The show will take place the last Sunday of every month, starting on March 27th! Go to https://holdmyticket.com/event/389449 to purchase your tickets today! APRIL 26 GBCC RIBBON CUTTING FOR LEGACY BROKER GROUP 1:30pm to 2:00pm 710 East Blanco Rd. – Boerne CITY COUNCIL MEETING 6:00pm to 8:00pm Livestream Meeting See ci.boerne.tx us for link to meeting. APRIL 27 WORKSHOP: THE TOP PR AND MARKETING TRENDS OF 2022 9:00am to 10:00am Greater Boerne Chamber of Commerce Boardroom 121 S. Main St. – Boerne

Join the Chamber for an educational workshop featuring Aquila Mendez-Valdez, where she will be presenting "The Top PR and Marketing Trends of 2022". Aquila is the owner and CEO of Haute in Texas, an award-winning PR and Marketing team that brings a customized approach to each client to curate their brand's overall presence. The event cost is $5 per person. Breakfast and coffee will be served. Please RSVP by emailing Steely at steely@boerne.org! $5 admission for members and future members APRIL 28 GBCC RIBBON CUTTING FOR ANYTIME FITNESS FAIR OAKS RANCH 1:30pm to 2:00pm 9091 Fair Oaks Pkwy GBCC RIBBON CUTTING FOR FREEDOM SPINE & PAIN CENTER 3:00 PM - 3:30 PM CDT 1002 E. Blanco Rd., Suite B – Boerne

continued on page 30

boernebusinessmonthly.com

CALENDAR OF EVENTS

B oerne B usiness M onthly | April 2022

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APRIL 29 & 30 BOERNE HANDMADE MARKET April 29: 6:30pm to 9:30pm April 30: 9:00am to 4:00pm The Cana Ballroom 202 W. Kronkosky St. – Boerne Boerne Handmade Market is a 2-day event featuring 70+ handmade-only vendors. April 29 is VIP Night- shoppers will receive dessert, drinks, and a craft with ticket purchase. Saturday will have all vendors PLUS kid market! Come support handmade makers this spring. BBM

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APRIL 29 FAMILY NIGHT HIKES 8:00pm to 9:30pm Cibolo Center for Conservation 140 City Park Rd. – Boerne Explore the Cibolo at Night! Join naturalist Jasmine Torrez and explore the Cibolo Center for Conservation to discover various living organisms that call the Cibolo home. Get a chance to see native plants and wildlife up close. Family Night Hikes are great ways to explore the Cibolo and for children to see what lives on the land in the dark! This hike is suitable for families with small children. Trails are comprised

BACKED BY A

of dirt roads and rocks, which may not be ideal for strollers. Please bring a flashlight and a water bottle. Shoes may get wet crossing the creek during the months of June, July, and August. Attendees will meet at the Cibolo’s Visitor Center before heading out on the trails. $8 members $10 non-members

APRIL 28 GBCC BOERNE AFTER 5 MIXER: HOSTED BY SINGING WATER VINEYARDS & LA CALABRIA PIZZERIA 5:00pm to 7:00pm Singing Water Vineyards 316 Mill Dam Rd. – Comfort

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