Boerne Business Monthly - August 2021 by Distinct Media LLC

Volume 14, Issue 02: August 2021

The Art of insanity

CALEB FRANCIS AND JARRED TAYLOR

TEACHING KIDS ABOUT MONEY

DO YOU HAVE A BUSINESS OR A HOBBY?

LOCAL NEWS AND INFO

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SAN ANTONIO | BOERNE | DALLAS | OKLAHOMA CITY boernebusinessmonthly.com

publisher's note You’ve seen the ad and many of you have asked me “What in the world?” “Who are those two?” “Are they real karate instructors?” These are just some of the questions I have been getting for the past several months about this over-the-top ad that has left you all wondering. Well, the time has finally come to find out just who these two guys are! Turn to page 16 and read all about them. August is here and that means back to school. However, just because school has started it doesn’t mean that summer is over quite yet! It’s still hot and there is still plenty to do in and around Boerne. Be sure to check out the Calendar of Events so you don’t miss a thing. Also in this issue we help Annie’s Apothecary celebrate 14 years, John Eadie of Covenant shares tips on Teaching Your Kids About Money and Elaine Marquez of ADKF helps you to know if you have a business or a hobby. As always, I hope you enjoy the latest issue of BBM,

Lauren Stumberg Owner/Publisher

A Culinary Experience in the Comfor t of Your Own Home

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B oerne B usiness M onthly | August 2021

Kendall County's ONLY accredited compounding pharmacy

HILL COUNTRY HOME AND LAND CHECK OUT SOME OF OUR PROPERTIES JUST LISTED ON WWW.HCHOMEANDLAND.COM UNDER FEATURED LISTINGS!

100 W. Hosack, Suite 102, Boerne, TX 78006 830-331-1104 www.hchomeandland.com

JUST LISTED

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Great views of the Hill Country offering privacy and seclusion. Located minutes from Boerne and Sisterdale on 18.74 Acres a Limestone Rock Home, two car garage, & detached Cabana/office for $ 1.2M. Additional 10 Acres available see below. Land below is currently Ag-exempt providing lower taxation valuation. The land by itself is $ 400,000. Both House and Land if bought together is 28.74 Acres for $ 1.5M

UNDER CONTRACT 27436 Autumn Glen | Boerne

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AUGUST contents

Renee Campbell (210) 542-0148

08: congratulations

23: giving back

10: calendar

24: finances

Annie’s Apothecary Celebrates 14 Years

Naomi Weckesser (830) 755-8693

Robin McCall Dallenbach (210) 551-6333

14: ribbon cuttings 15: fun facts 16: cover feature

Jarred Taylor & Caleb Francis: The Art of Insanity

Jim Campbell (210) 838-1896

Steven Karam (210) 414-0105

20: real estate

Texas has a Fever. It’s Not the Pandemic. It’s Land.

22: for the kids

United Texas Credit Union and Boerne Education Foundation Team Up with Spirit Rewards

Wiley & Kathy Cloud, Brokers (210) 710-6601 | (325) 347-7693

Real Estate Office:

(830) 755-8693 $$ NOW $$

Best Time to Sell Real Estate Make YOUR Move TEXASHILLCOUNTRYREALTY.COM

B oerne B usiness M onthly | August 2021

100 Women of the Hill Country

Teaching Kids About Money by John D. Eadie

CPA, CFA, CFP®, PFS, CLU®, CIMA, CKA®

26: award

Local Broadcaster Honored at 2021 TAB Convention

28: accounting

Do You have a Business or a Hobby? by Elaine Marquez, Tax Senior – ADKF

30: newsworthy

GVTC Names New Board of Director

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

cover photo by: Pritchett Photography Boerne Business Monthly is published by Distinct Media, LLC, copyright 2021. Reproduction is strictly prohibited without prior consent of the publisher. Opinions expressed in Boerne Business Monthly are those of the writers or sources and do not necessarily represent the views of the publisher, nor do they constitute the endorsement of products or services herein. Although the information and recommendations in this publication have been compiled from sources believed to be reliable, Boerne Business Monthly makes no guarantee as to, and assumes no responsibility for, the correctness, sufficiency or completeness of such information and recommendations.

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congrats

Annie’s Apothecary Celebrates 14 Years!

We would like to give a big congratulations to Annie’s Apothecary for 14 years in business! Opened in August of 2007 by Dr. Leigh Ann Greenberg, Annie’s Apothecary is Boerne’s PCAB accredited compounding pharmacy. Greenberg graduated from the University of Texas at Austin Pharmacy School in 2004 where she earned her Doctorate degree in Pharmacy. According to Leigh Ann, “Prior to opening Annie’s Apothecary I had the opportunity to manage a hospice pharmacy where compounding proved to be very rewarding in controlling end of life symptoms. It was there that I learned how to manage people and at the same time developed my skills as a compounding pharmacist.” She took those skills and decided to open her very own compounding pharmacy right here in Boerne. Starting out, Dr. Greenberg was the only employee for a year. However, she grew Annie’s Apothecary into a flourishing business. “Not all commercially available medications are the right fit for every patient, and that is where we come in. It is our job to specialize the medications to help the physician and patient achieve a more positive therapeutic outcome,” Leigh Ann added. Compounding is essentially a collaboration between the patient, physician and pharmacist, a process that is regulated by state boards of pharmacy. There are countless reasons why a prescription medication might need to be compounded but according to Leigh Ann, the most important one is patient non-compliance. “For example, a patient may be sensitive to standard drug strengths or be allergic to preservatives or dyes. With a physician’s prescription, our staff at Annie’s Apothecary can change the strength of a medication or alter its form to make it easier for the patient to ingest. We can even add flavors to make the medication more palatable,” she stated. A compounding pharmacy also has the ability to prepare the

medication using a unique delivery system, such as sublingual troche or lozenge, a topical gel or even a lollipop. If a patient has difficulty swallowing pills, a suspension can be made instead. Compounding pharmacists have the ability to combine multiple drugs into one so that a patient only has to take one pill, rather than several at a time. Often times, certain drugs will be taken off the market due to low sales volume, however there are patients that still need those particular medications. A compounding pharmacy can recreate that medication for those patients. When it comes to kids, many times parents have a difficult time getting them to take their medications due to the taste. The staff at Annie’s Apothecary can work with the physician and patient to select a flavoring agent, such as tutti fruitti, cherry vanilla or butternut, that will provide an appropriate match for the medication’s properties while making the taste more pleasant. Annie’s Apothecary concentrates fully on compounding and complementary healthcare, constantly learning new information and techniques for its customers. They use state-of-the-art technology with FDAapproved ingredients so that your finished medication meets your doctor’s exact specifications. For 14 years now, Dr. Greenberg and her staff have focused on being the best local resource to achieve optimal health and wellness through the art of compounding, nutritional supplements, and patient education. BBM

anniesrx.com 211 S. Saunders – Boerne pictured above: The Annie’s Apothecary Staff, pictured top right: Dr. Leigh Ann Greenberd, RPh

B oerne B usiness M onthly | August 2021

boernebusinessmonthly.com

August EVERY SATURDAY A DAY AT THE FARM 9:00am to 1:00pm Historic Herff Farm | 33 Herff Rd – Boerne The Farmers Market at the Herff Farm is an open-air farmers market on the historic Herff Farm. You can buy products directly from local growers, ranchers, and crafters on a beautiful historic German farmstead in the Texas Hill Country. Explore their fenced gardens, pollinator meadow, and trails, and see the historic limestone Herff House. AUGUST 3 GBCC RIBBON CUTTING FOR JENA CRAIG PHOTOGRAPHY'S 7 YEAR ANNIVERSARY! 11:30am to 12:00pm 1046 East Blanco Rd. – Boerne GBCC RIBBON CUTTING FOR CLEARVIEW BOOKKEEPING, LLC 1:30pm to 2:00pm Boerne Chamber of Commerce 121 S. Main St. – Boerne

Calendar of Events

AUGUST 5 GBCC RIBBON CUTTING FOR CORE OFFICE INTERIORS 11:30am to 12:00pm Boerne Chamber of Commerce 121 S. Main St. – Boerne

AUGUST 9 KENDALL COUNTY COMMISSIONERS COURT 9:00am to 11:00am Kendall County Cour thouse 201 E. San Antonio Ave. – Boerne

GBCC RIBBON CUTTING FOR CHICK-FIL-A LEON SPRINGS GRAND OPENING 1:30pm to 2:00pm 24549 W I-10 – San Antonio

AUGUST 10 GBCC RIBBON CUTTING FOR MY FAVORITE SERVICE COMPANY 11:30am to 12:00pm Boerne Chamber of Commerce 121 S. Main St. – Boerne

BOOST BOERNE BUSINESS: BOERNE RADIO 103.9FM 4:00pm to 6:00pm Tusculum Brewing Company 236 S Main St. – Boerne

AUGUST 10 & 24

AUGUST 5 & 17 ABENDKONZERTE 7:30pm to 9:30pm Main Plaza Park Learn about Boerne’s German heritage with traditional German music and stories of our town’s historic past in this 4-par t outdoor series.

CITY COUNCIL MEETING 6:00pm to 8:00pm | Livestream Meeting See ci.boerne.tx us for link to meeting. AUGUST 11 1ST DAY BACK TO SCHOOL: Boerne Independent School District AUGUST 12 GBCC RIBBON CUTTING FOR NUTRITION FACTORY

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OrthopedicPerformance.com 10

B oerne B usiness M onthly | August 2021

11:30am to 12:00pm 1361 S. Main St. Suite 401 – Boerne GBCC BOERNE AFTER 5 MIXER: HOSTED BY LAS GUITARRAS COCINA MEXICANA 5:00pm to 7:00pm Las Guitarras Cocina Mexicana 911 S. Main St. – Boerne AUGUST 14 & 28 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 to the Bluegrass Jam at The AgriCultural! This event is free and open to the public.

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KUHLMANN-KING MUSEUM TOUR 12:00pm to 3:00pm 402 E. Blanco Road – Boerne The Kuhlmann-King house gives the public the oppor tunity to step back in time to see what a historic Boerne home looked like “way back when.” Please email gossellj@gvtc.com to schedule a personalized tour. AUGUST 14-15 BOERNE MARKET DAYS Saturday 10:00am to 5:00pm Sunday 10:00am to 4:00pm Main Plaza | 100 N. Main St. – Boerne On the second weekend of every month 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.

Kris Boiles  210.561.4764  krisb@utxcu.com David Gray  210.561.4578  davidg@utxcu.com 1440 South Main  utxcu.com

AUGUST 17 GBCC RIBBON CUTTING FOR THE KENDALL COUNTY DEMOCRATIC PARTY 11:30am to 12:00pm 216 E. Blanco Rd. Ste. 201 – Boerne. AUGUST 19 GBCC RIBBON CUTTING FOR CIBOLO CREATIVE MEDIA CO.! 1:30pm to 2:00pm The Dienger Trading Co. - Upstairs Event venue 210 N. Main St. – Boerne AUGUST 20 SHOP-A-PALOOZA 10:00am to 5:00pm | Boerne Shops Boerne Shop-A-Palooza is a day full of shopping fun. Your Ticket is your GAMEBOARD for this event. You receive Raffle Tickets for each of the items marked off on your Gameboard. Prizes are amazing - lots of gift card bundles as well as the GRAND PRIZE.... Boerne Gift Cards totaling over $1,000.00 Giving You A Shopping Spree at many of our Boerne Shops and Restaurants. Get your shopping shoes on, and bring your gameboard ( TICKET), to join the fun! Tickets are $25: Only 200 tickets for sale, make sure you get yours!

Our team is excited to offer the exceptional in-person experience for which we are known. Smiles you can see at no extra cost!

AUGUST 20 NIGHT HIKES FOR ADULTS: REPTILES 7:30pm to 9:00pm Cibolo Center for Conservation

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Prime Capital Investment Advisors

616 E. Blanco, Suite 201-A / Boerne, TX 78006 / (830) 816-5131 / PCIAWealth.com

continued on page 27

boernebusinessmonthly.com

FOR SALE:

BEAUTIFUL PROPERTY IN GREAT LOCATION

Minutes to IH-10 and walking distance to Main Street Boerne! 2 houses! 3.577 acres! Barn/workshop. Room to expand and add house, pool, garages, etc. Must allow 24 hours notice for appointment to view!

NEW LISTING! FOR SALE: 3820 MARION ROAD. $3,900,000

Approx. 98 ac in Marion, TX. Developers Dream!

NEW LISTING! 27875 DOS CERROS CIRCLE $610,000 Beautiful property in Windwood on 2.5 acres. Home has approx. 2253 s.f. of living area, a pool, beautiful grounds. House could use a little TLC.

FOR LEASE:

WE NEED RENTALS!

HIGH DEMAND FOR HOMES TO LEASE! LEASED!

150 MAGNOLIA CIRCLE - $3000

4 Bedroom, 2.5 Bath New Construction Townhome, Master Bedroom Downstairs, Approx. 2216 s.f., 1- Car Garage. NO LAWN MAINTENANCE!

LEASED!

Single Story, 4 Bedrooms, 2 Baths, Approx. 1731 S.F., Boerne Schools, Easy Access to SA and I-H 10.

OWNER

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Sweet 2 bed, 2.5 bath, some recent upgrades,approx. 1600 s.f., covered parking and private patio area.

LEASED!

7437 PARAISO POINT - $1725

JUDY FILINGERI

504 O'GRADY - $1850

104 BLUE HERON - $1575

Very nice 2 bed, 2 bath home in Ranger Creek

Bluebonnet Realty Since 1989

ANGELA TURNER BROKER

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(830) 816-2288 | BoerneTexasHomes.com

ribbon cuttings

Greater Boerne Chamber of Commerce July 2021 Ribbon Cuttings

BRADY’S AUTO REPAIR Brady’s Auto Repair has provided quality car care in Boerne, Tx since 2001! Brady’s is a family-owned business delivering honest and professional automotive repair and auto maintenance services to the people of Boerne and surrounding areas.The quality ASE certified technicians at Brady’s Auto Repair employ today’s latest automotive technology and are equipped to handle all major and minor repairs on foreign and domestic vehicles. Give them a call at (830) 249-5556 or stop by 225 Market Avenue or go online at autorepairserviceboerne.net for all of your service needs.

MINISTRY OF DANCE GRAND OPENING Ministry of Dance is bringing the art of ballroom dancing to Boerne, Texas for all ages! Under the auspices of Bertus Stiehler who is a South African and World Open Champion ballroom dancer. From the Cha Cha to Country Two Stepping, to the Waltz, Ministry of Dance does it all! Call (830) 331-2221 or go online ministryofdance.us for more information about Ministry of Dance’s upcoming classes or stop by their studio at 615 South Main Street in Boerne to join them for free classes and a Grand Opening celebration!

LIFE SAVER POOL FENCE OF THE HILL COUNTRY Life Saver Pool Fence of the Hill Country’s mission is to make your home a safer place for your family and reduce the risk of drownings. They are licensed and insured and do all of their own work - never subcontract! While adult supervision is vital, it’s often not enough since many children who have drowned were seen only minutes before the incident. Mesh pool fencing is the best way to protect your children from the dangers of a pool and will give you the peace of mind that your family is safe. Give them a call today at (979) 373-1881 or go to poolfencehillcountry.com.

RORY THE WARRIOR Rory the Warrior provides Hero Bags to 1st responders for their personal vehicles, patrol cars & fire trucks. They also help spread awareness about water safety & drowning prevention. Rory the Warrior was created in honor of Rory Antley Sheffield who passed away August 23, 2016. Learn more about Rory the Warrior by going online rorythewarrior.org or call Sherry at (979) 215-1277!

THE GARDEN FLOWER SHOP The Garden Flower Shop, which opened this past April, is an online flower shop which serves the Boerne, San Antonio and all of the Hill Country area. When words aren’t enough, show your love by sending flowers from The Garden! Learn more and see some of their beautiful creations by going to www.thegardenflowershop. com or call (830) 929-9046!

ARROWS ACTIVE PLAY PARK’S GRAND OPENING Arrows Active Play Park is an 8,000 sq. ft. Indoor playground & café for kids 12 and under. Offering multi-level obstacle maze, ball blast area, racer slides, a warriors course, interactive SoftPlay toddler area & café serving specialty coffee, beer & wine and gourmet sandwiches. Arrows Active Play Park is located at 3 Kelton Avenue Boerne, Tx 78006 and you can call them at (210) 844-9892. Learn more by visiting their website arrowsactiveplayparkboerne.com.

100 CLUB OF KENDALL COUNTY The 100 Club of Kendall County is organized to engage in all activities necessary, useful & to further augment the safe and effective Law Enforcement, Firefighters, and Emergency Medical Services in our primary service area of Kendall County by supporting first responders, their children, their families and our community. Mark your calendars for Saturday, September 11th and join the 100 Club for the Tug the Truck - The Fire Truck & Police Car Push! Registration is open, learn more at bit.ly/3xHs8N1. Interested in learning more about the 100 Club? Call (210-) 825-1429 and visit their website 100clubkendallcounty.org!

B oerne B usiness M onthly | August 2021

KISS THE COOK’S 15TH YEAR IN BOERNE ANNIVERSARY They opened their third store in Boerne on July 1, 2006. Located at 113 E. Theissen Street in a newly renovated old house in the quaint downtown historical shopping district of Boerne, Kiss the Cook continues the tradition of bringing to their customers the full array of kitchen tools and gadgets. Stop by and browse. You’ll see things at Kiss the Cook you won’t find anywhere else. And, if they don’t have it, they will try to find it for you! You are also invited to join them for their 15th Anniversary Party tomorrow between 10am - 6pm. They will have giveaways, raffles, Demo Dude, several pop-ups and so much more exciting and fun stuff to check out! Stop by Kiss the Cook and help them celebrate 23 amazing years in business with 15 of those years being located right here in the beautiful Boerne, Texas! You can also shop their store online at kissthecooktx.com!

August Fun Facts Dog Days of Summer

The month of August is often referred to as the “dog days of summer,” but it has nothing to do with our furry friends. Instead it refers to the star Sirius, also known as the dog star, which rose at the same time as sunrise during the month of August during ancinent Roman times.

THE KIDS ARE HEADED BACK TO SCHOOL! (so pull out those #2 pencils)

August 10th is National S’mores Day! 1927

The year the 1st known s’mores recipe was published in the Girl Scouts handbook Tramping and Trailing with Girl Scouts – it was originally called “some mores.”

50%

During the summer approx. 50% of the marshmallows sold are roasted for s’mores!

90 Million

The estimated pounds of marshmallows Americans buy each year

17 X:

How many times most pencils can be sharpened

35 Miles How long of a line the

45,000 Words

The amount of words that can be written with the average pencil

average pencil can draw! boernebusinessmonthly.com

cover feature

The Art of insanity

JARRED TAYLOR AND CALEB FRANCIS

by Lauren Stumberg

You’ve seen the ad. You’ve had questions. Now it’s time for answers! Who are these guys in the oh so popular karate ad that has been gracing the pages of Boerne Business Monthly since April? Spoiler Alert: Despite their very convincing appearance, these two are in fact not karate masters.

Meet Jarred Taylor. Jarred, or JT, is a veteran of the United States Air Force, a former Tactical Air Control Party Specialist (TACP), one of the founders of Black Rifle Coffee Company and an avantgard social media, videography and branding whiz.

Meet Caleb Francis. Caleb is an all-around funny guy, who with his approximately 1.4 million followers, is what you would call TikTok famous. His Facebook profile simply reads “I make dumb videos.” Francis is a social media comedian, and a very funny one at that.

Together, the pair spend their days collaborating and coming up with unconventional and highly entertaining ideas for Black Rifle Coffee Company, their individual social media accounts, podcasts and even feature films! continued on page 18

B oerne B usiness M onthly | August 2021

Caleb Francis and Jarred Taylor photo by Ron Pritchett

Passionate about serving up both coffee and culture to people who love America Black Rifle Coffee Company develops their explosive roast profiles with the same mission focus they learned as military members serving this great country. They are committed to supporting veterans, law enforcement, and first responders and with every purchase you make, they give back.

Their high-quality coffee beans are imported from Colombia and Brazil and roast five days a week at their facilities in Manchester TN, and Salt Lake City, UT. Visit our very own Black Rifle Coffee Company franchise right here in Boerne at 101 S. Main Street, Ste. A.

continued from page 16

Francis and Taylor found each other on social media and hit it off. According to Taylor, “I became an instant fan of Caleb’s. I reached out to him to collaborate and the rest is history. We have been creating together ever since.” In fact, Francis actually packed up and moved from West Virginia to be roommates with Taylor right here in Boerne! “I moved to the Boerne area when Black Rifle relocated their headquarters to San Antonio in March of 2018. Here at my home we have a studio where we create and Caleb was here all the time anyways. It just made sense for him to move in.” The two are actually even working on an upcoming podcast series called ‘Lifemates’ that will be on Black Rifle’s Free Range American Network. A little background on how this all came to be. While still in the military, Taylor discovered his passion for film making and videography. He has produced or been a part of eight feature films, including titles such as Range 15, Not A War Story, A Grunt’s Life and five television shows such as Blood on the Deck and Pastranaland Pit Bike Championship. Jarred’s love of creating and an early understanding of social media led him to create Botsktik Collective with Black Rifle’s Art Director Gary

Stevens back in 2009. This was a multimedia firm that would lead JT to some of the most pivotal partnerships of his career. In 2013, he met his business partner, Mat Best, and together they began producing Mat’s YouTube Channel, Mbest11x, which took off with great success. After 11 years of active duty, JT separated from Active Duty Air Force in November of 2014 to the Washington State Air National Guard. JT and Mat then met Evan Hafer, a former Green Beret that was, at the time, working as a contractor for the CIA. Within a few months of meeting him the group launched their liquor company, Leadslingers Spirits. At the same time, the crew was also producing the major Hollywood film, Range 15, which was released in theaters in June of 2016. Evan, Mat and JT would eventually collaborate to form what is now Black Rifle Coffee Company. When asked what exactly he does for Black Rifle, JT’s response is simply, “I live outside of the box.” For those familiar with Black Rifle Coffee Company it is clear that they are not your average brand of coffee. BRCC is a big, bold brand that is not afraid to push the envelope with their unconventional marketing, social media and branding. So, it

one BBM advertiser will win a commercial produced by Jarred and Caleb! Stay Tuned! 18

B oerne B usiness M onthly | August 2021

should come as no surprise that those who founded Black Rifle Coffee Company embody those same characteristics. It is that particular style of in-your-face, no holding back marketing from the likes of Taylor, Francis and the BRCC marketing team that has resonated with their almost cult-like following. Taylor’s unconventional approach to all things life and business has proven both highly popular and wildly entertaining to those who follow him on his many social media channels and podcasts. According to Mat Best, Executive Vice President and co-founder of BRCC, “Jarred has this uncanny ability to bring out youthfulness and positive vibes from anyone that he is around. He is always motivating everyone around him to laugh and have FUN!” Follow Jarred on anything from Instagram to YouTube and you will watch him do everything from off-the-wall commercials for Black Rifle in one post, to the extremes of riding dirt bikes, rally cars and flying jets in the next. Then he’ll finish it all up by to donating funds and attending charitable functions in honor of military and first responders. It’s truly and endearing and extreme mix, but it works because you are never exactly sure what you will be watching next. It’s clear that Jarred wears many hats. He sits as the VP of Strategic Partnerships for Black Rifle Coffee, a host and executive producer of Free Range American Podcast and has

Havoc Studios, which is a boutique creative agency for brands looking for wild and extreme marketing. Currently, Jarred and Caleb are finalizing the script on a movie that will be produced and filmed entirely here in Boerne! The film will take place in a hometown lube and oil shop that is being taken over by a franchise and follow the antics of two employees as they fight to keep their town from being taken over by corporate America. BBM

To be highly entertained, follow Jared and Caleb on social media, listen to their podcasts and watch their YouTube channels. You never know what these two will be up to next!

Jarred Taylor @jtarticle15 Caleb Francis @calebwfrancis Black Rifle Coffee Company @blackriflecoffee

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SONORA

“A feverish demand for land, accompanied by a dearth of listings for sale, propelled Texas prices up a remarkable 16.29 percent in the second quarter,” says the land expert for the Texas Real Estate Research Center (TRERC) at Texas A&M University. “The state’s land markets today are among the most active periods in Texas history,” says Dr. Charles Gilliland, TRERC research economist who’s been tracking land prices for 40 years. Preliminary numbers show Texas had an annualized 8,561 second quarter land sales, up nearly 43.8 percent over the same quarter last year. The statewide average price hit $3,433 per acre. Total dollar volume totaled a record $2.35 billion, 93 percent higher than second quarter 2020. A record annualized 685,585 acres changed hands in the second quarter. The typical transaction size fell 4.78 percent to 1,176 acres. “The East Texas regions all had double-digit price increases with substantial increases in total acres transferred,” said Gilliland. Only the Far West Texas Region bucked the Texas trend. Out west, land sales volume dropped 22.6 percent, which Gilliland attributes to a sudden halt in purchases from the oil and gas industry. Sales in the West Texas mountains, however, helped keep regional prices higher. Official numbers will be available in August, but Gilliland says, “This explosion in sales volume shows the flight of buyers to rural environments continues in these uncertain times.”BBM Information courtesy of Texas Real Estate Research Center.

real estate

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for the kids

SPIRIT REWARDS!

United Texas Credit Union and the Boerne Education Foundation have partnered together to launch Spirit Rewards! Simply open an Ultimate Checking Account with United Texas Credit Union and choose a United Texas Spirit Debit Card, you will be automatically enrolled in their rewards program. Every time you swipe your debit card, you earn 1/2% of your transaction amount for the BEF on every signature-based transaction. Every year, United Texas Credit Union will provide a check to BEF for the amount earned to help support every student, every teacher, and every school in Boerne ISD. For more information or to apply today, visit United Texas Credit Union’s website at www.utxcu.com/accounts/checking/spiritrewards-checking or call 210.561.4761. BBM

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giving back

100 Women of the Hill Country to Launch in August, Giving $40,000 per Year to Hill Country Charities

One of the nation’s most powerful, uplifting and fun fundraising movements is launching a Hill Country chapter this summer, headquartered in Boerne. 100 Women of the Hill Country will open for membership soon with its first meeting scheduled for 6 p.m. on August 19 in the Kendall Halle room of The Kendall, 128 W. Blanco Rd. Any woman is eligible to join, however, inaugural membership will be capped at 100 for the first meeting, so those interested are encouraged to inquire now. 100 Women of the Hill Country is a group of women who gather four times a year for a one-hour meeting to learn about local grass roots charities and each donate $100 to a charity voted on by the members. The result is crowdsourcing at its finest—a $10,000 award that makes a real impact, without time-consuming fundraising events and planning. The mantra is “100 women, $400, 4 hours a year means $40,000 to charity.” And it’s really that simple. “We loved the concept of serving those right here in our community—causes near and dear to the Hill Country—in an easy and effective way, and in a way that will bring women together socially as well,” said Ambre Bodle, co-founder. “Our vision ensures 100% of donated money goes to the selected charity— takes little time and turns smaller, individual donations into major gifts.” Members commit to a $400 donation and meet four times a year to hear about three worthy causes before they cast their vote for the winning charity, with the chosen group receiving $10,000 in roughly one hour. Causes serving Bandera, Bexar, Comal, Gillespie, Kendall and Kerr counties are eligible for the award, and nominations are accepted by participating members each meeting. Nominees are then vetted to make sure they meet 100 Women’s simple requirements and will then be entered into a drawing. From there, three nominees will be randomly drawn and representatives from the charity are invited to present at the general meeting. Of those, one will be chosen by vote to receive the $10,000 award. Members and those representing charities can nominate and eligibility requirements are available online. To learn more about how to become a member or find future meeting dates, visit www.100womenhc.org. BBM

Introducing the 100 Women of the Hill Country Board: Michelle Ernst, Co-Founder Ambre Bodle , Co-Founder Kelly Mattingly,Treasurer Mandy Jones, Community Involvement Staci Gahm, Membership Engagement Callie Roberson, Content & Creative Heather Hill, Social Media Mary Woods, Welcome Coordinator Kasey Miller, Social Responsibility Charity Teague, Charity Liaison

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finances

Teaching Kids About

MONEY

by John D. Eadie

CPA, CFA, CFP®, PFS, CLU®, CIMA, CKA® Founder and Managing Director – Covenant, a Registered Investment Advisor

As financial advisors, we are often asked to counsel parents and grandparents about raising children with an appropriate mindset toward money. Families with even moderate income want to be able to enjoy the fruits of their labor without their children becoming entitled or expecting handouts for everything they desire. It’s hard to say “no” to our children, especially when the thing(s) they want might be easily affordable. I will never hold myself out as an expert on the topic, but I’ve observed many success stories as well as those unsuccessful in their attempts to raise children with healthy financial habits. Thankfully, my wife and I were able to get our son through school, married, and successfully handling his own finances without too many bumps along the way. While there is no perfect formula, maybe something you read here will resonate as you raise children and grandchildren in this current over-indulgent culture. Instilling any healthy habits in your children, including those about money and spending, starts at the very beginning with being on the same page with your spouse. In a marriage, each of you brings strengths to the relationship. You will share many responsibilities but considering each other’s strengths and leaning into them early on is wise. For example, one of you might fill a stronger role as disciplinarian, while the other is stronger in the role of nurturer or teacher. Agreeing on your philosophy as a couple about money will also help determine whose strength sets the tone for how money is spent by your family. Realizing early that it takes way more than two good parents to raise your children well also goes a long way. Find a community that brings other like-minded parents alongside you to be part of your children’s lives to an extent. There will be times your children will simply listen to other adults in a way they will never listen to you and that will be true of financial related matters too. My wife and I found that community through our church friends and the youth activities in our church. You may find it through work or simply in your neighborhood. Foster that community in your home by hosting events and being hospitable to them every chance you get. Building trust with your children will give you permission to have productive talks about money throughout their lives as well. This foundation of trust is fostered by being involved in your children’s activities as much as possible. I fully recognize that work and other priorities can make this a challenge but do everything in your power to be there for them. Whether they want you there or not (they really do), show up at their athletic events,

band, cheer, theater, etc. Take advantage of opportunities to participate with them as well by coaching, being a booster, or whatever it takes show them what’s important to them is important to you. While much of the above may seem like Parenting 101, these principles will create a great baseline for your conversations about money. By modeling good spending and saving habits, your children will also learn a lot just by observing how you live compared to those with greater or lesser means. Be honest with them about your financial position. While you don’t have to share your income statement, work on helping them understand what responsible spending, saving, and investing means to you. We found one of the best financial lessons for our children was in the field serving others. By not just discussing money and how to use it, but showing them lifestyles of different means, you can also simultaneously prioritize service to others. For us, lending that helping hand meant getting in a bunch of vans and driving to Memphis every summer with our youth group to repair homes for those that could not do so on their own. It was truly inspiring to see a bunch of teenagers give their hands and hearts to others to truly make their lives better. Note that I am talking about doing for others, not simply writing a check to help. Financial assistance can be a great tool, but hands-on service teaches the best lesson in the long run. Furthermore, I recommend you highly encourage or require your children to work when they are old enough. Whether a summer job or actively volunteering with a non-profit that teaches them the value of hard work, they will gain perspective on what it takes to have a little extra in their pockets. Adding a job to an already busy teenage

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schedule also helps teach time management and foreshadows the organization skills adult life requires. Once they do start making a little money of their own, teach them about prioritizing. Most in today’s world get this basic tenet of money backwards. They spend first, save second, and give to others whatever might be left. A quality financial life that encourages giving first, saving second, and spending last creates wonderful habits in your children’s lives that will keep them on track for years to come. Just remember, you can tell them this, but more importantly, you must model this philosophy for it really to stick. By following this type of money allocation in your own life, they will see that even in times of plenty, you are making sacrifices along the way. Supporting others first might mean not having the resources to go buy that shiny object, but delayed gratification can be a wonderful thing for the entire family to experience. Give your children great experiences versus money. If you give them money to spend, it is gone forever. Give them a marvelous experience and it will stick with them for a lifetime. This does not have to be some elaborate trip, though it can be, but just spend quality time together outside the craziness of daily life. Finally, and maybe the hardest of all, is learning to say “no” even when the resources might be there. It’s hard to say no to yourself and even harder to say no to your children. You both may know the resources exist to go spend the money, but that does not mean that spending at that moment is right. Exercising your self-control muscle teaches patience and discernment, character traits that will carry them far in many other parts of their lives as well. Raising your children with a healthy money mindset is a challenging topic and one that I haven’t always done perfectly. But with our son, I think our consistency of message over the years and using some of the parenting techniques above brought us good results in the end. It is my hope that something here will add value to your journey in passing down healthy financial habits to your own children and grandchildren. BBM John is the founder and a managing director of Covenant. In his several leadership roles with Covenant, John serves as the firm’s CEO, chief wealth advisor, and leads all client service efforts. John has lengthy experience assisting families with their investment, income tax, wealth transfer planning, family governance and philanthropic strategies. Throughout his career, John worked with Fortune 500 executives to assess and implement complex compensation strategies—including deferred compensation, restricted stock, stock option, and other employee benefit planning. John was named a Barron’s 2012 and 2013 Top 100 Independent Financial Advisor. He has also been recognized since 2012 as a Five Star Wealth Manager. Earlier in his career, John was named by Worth magazine as one of the Top 100 Wealth Advisors in the country.

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award

Texas Association of Broadcasters to Honor Local Broadcaster and Industry Leader at the 2021 TAB Convention in Austin

Mark Grubbs, owner of the Ranch Radio Group, headquartered in Kerrville, Texas was awarded TAB’s Highest Honor of Pioneer Broadcaster of the Year by the Texas Association of Broadcasters. Texas Association of Broadcasters celebrated the achievements of six extraordinary industry leaders at TAB’s Annual Awards Gala with the highest award going to Mark Grubbs as Pioneer Broadcaster of the year. The Gala, part of the TAB Event, was held Wednesday, August 4th at the JW Marriott in Downtown Austin. “Texas broadcasting is nothing without the passionate and dedicated leadership of individual men and women who take to heart the federal license to do good for the communities they serve, and no one embodies that spirit greater than the six Radio and TV broadcasters we’re honoring this year,” said TAB President Oscar Rodriguez. “It is an honor to recognize their exceptional accomplishments and contributions to the Lone Star State. They are examples not just to others in the industry, but also to the communities they serve, and are among those who’ve dedicated their lives to this mission of service, as well as others who are still charting the course of their careers. In every case, these honorees define the highest standards of leadership in our industry amidst an ever-evolving media marketplace wherein broadcasting remains unique in delivering important news, emergency information and entertainment while also powering local business growth,” stated Rodriguez.

PUTTING THE TEXAS HILL COUNTRY ON THE MAP Since 1994, Mark Grubbs has been the owner/ B oerne B usiness M onthly | August 2021

operator of the Ranch Radio Group stations in the Texas Hill Country. As a “consummate radio broadcaster,” in radio since 1965, he is always looking for opportunities to serve his community, either with new promotion, programming, and marketing strategies to better serve listeners and local businesses, or with a soulful solution to a pressing need. Whether it’s serving as the official Radio station for the Gillespie County Fair, Kendall County Wild Game Dinner or raising money for the District Junior Livestock Show, Grubbs’ passion for serving his community is woven seamlessly into everything he and the Ranch Radio Group team do. ABOUT MARK GRUBBS & RANCH RADIO GROUP: Mark Grubbs originally wanted to be an architect, but graduated with a degree in Psychology (and no job skills) from Oklahoma State University. In the summer of 1965, he worked selling ads for OSU’s AM radio station, KVRO. He discovered his passion and pursued his degree in Radio/TV and went from being a “C” student to making the Dean’s Honor Roll. His passion for broadcasting landed him at KEYS in Corpus Christi, WTIX in New Orleans, KTSA/ KTFM and KONO/KITYin San Antonio. In 1987, as owner, he signed on 94.7-Capitol FM, in Austin. It soon became clear that the Hill Country was calling. Through the years, Ranch Radio Group has evolved as the leading provider for local area listeners in the Hill Country. Currently The Ranch Radio Group operates on The Ranch 92.3 FM, The Fox at 93.9 and 96.5 FM, The River 106.1 FM, The Raptor 106.5 FM, and The Hill Country Patriot at 102.1 and 104.3 FM. Further information may be found online: www.ranchradiogroup.com BBM

CALENDAR OF EVENTS | cont’d 140 City Park Rd. – Boerne Join herpetology and naturalist professional Jasmine Torrez and explore the Cibolo Nature Center to discover the snake species and other reptiles that call our park home. Cost: $10 per member $15 per non-member AUGUST 21 MOONDANCE OUTDOOR CONCERTS: BIG CEDAR FEVER 7:00pm to 10:00pm Cibolo Center for Conservation 140 City Park Rd. – Boerne $15 Each concer t | $10 members | $5 Student AUGUST 24 GBCC RIBBON CUTTING FOR HILL COUNTRY FAMILY SERVICES 36TH ANNIVERSARY 11:30am to 12:00pm Hill Country Family Services 114 W. Advogt St. – Boerne

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AUGUST 26 GBCC BOERNE AFTER 5 MIXER: HOSTED BY CIBOLO FAMILY MEDICINE 5:00pm to 7:00pm Cibolo Family Medicine 211 N. Main St. – Boerne AUGUST 27 Z'S ARTISANS MARKET 6:00pm to 10:00pm Z's Wood Fired Pizza 118 Old San Antonio Rd. – Boerne There will be live music and local vendors who handcraft their products! TUSCULUM BREWING COMPANY CAR SHOW 4:00pm to 10:00pm Tusculum Brewing Company 236 S Main St. – Boerne

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AUGUST 31 GBCC RIBBON CUTTING FOR BOERNE WINE TOURS 1:30pm to 2:00pm Boerne Chamber of Commerce 121 S. Main St. – Boerne SEPTEMBER 3-6 115TH KENDALL COUNTY FAIR Kendall County Fair Grounds 1307 River Road – Boerne Celebrate Kendall County's rural agricultural culture with live music, rodeo, fair, stock show, vendors, and more! BBM

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accounting

Do you have a business or a hobby?

by Elaine Marquez, Tax Senior – ADKF

When starting a new business you need to ask yourself, is this new venture truly a business, or just a hobby? Although millions of Americans can generate income from their hobbies, the IRS has provided some guidelines to help taxpayers determine if that income is in fact from a business or a hobby. One of the main goals of a business is to make a profit, and it is possible to generate income from your hobby without making a profit. The IRS has listed 9 factors to help taxpayers determine if their activity is a business or a hobby: 1. Do you maintain complete and accurate books, and do you conduct your activity in a businesslike manner? 2. Do you have personal motives when conducting your

activity? 3. Do you put enough time and effort into the activity to prove that you intend to make a profit? 4. Do you depend on the income from your activity for your livelihood? 5. Are losses due to circumstances beyond your control? For example, are they considered normal in the startup phase of your business? 6. Do you have advisors with the knowledge needed to conduct a successful business? 7. Have you been successful in making a profit from this activity in the past? 8. Have you made a profit in previous years and how much of a profit does your activity make? 9. Do you expect to make a

B oerne B usiness M onthly | August 2021

future profit from the appreciation of the assets used in the activity? These factors are not definitive but are meant to help taxpayers determine whether the activity they are engaged in is a business or a hobby. If your business has operating losses for more than 2 out of 5 years (5 out of 7 years for horse racing, breeding, or showing) then the IRS can reclassify it as a hobby. Under the Tax Cuts and Jobs Act of 2017 (TCJA), taxpayers can no longer deduct expenses related to a hobby; however, they must still report the income received from that hobby as Other Income on line 21 of Schedule 1, Form 1040. ADKF is the largest, locally owned public accounting firm in San Antonio, Texas, with branch offices in Boerne and New Braunfels. We have been serving our community since 1991. We are a full-service CPA firm dedicated to providing a broad range of tax, audit, bookkeeping, tax controversy, and consulting services with superior customer service to help our clients meet their goals and objectives. Please visit adkf.com to set an appointment with us. BBM Elaine Marquez is a Tax Senior III at ADKF with five years’ experience. She is originally from San Juan, Puerto Rico and joined the ADKF family in 2016. She earned her bachelor’s degree in accounting from Sacred Heart University of Puerto Rico. She specializes in Real Estate, Manufacturing, and the Medical industry.

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newsworthy

GVTC Names New Board of Director

The GVTC Board of Directors welcomed a new member at the 2021 Virtual Annual Meeting. Lorie Winkler was voted in to serve as director of District II, which serves the Smithson Valley and Bulverde areas. Winkler holds a BA in Accounting and Computer Systems Management from Texas Lutheran University. She is a Certified Public Accountant, Certified Culture Facilitator, and Certified in Risk Management Assurance (CRMA). She has worked at USAA for over 35 years and for the past 10 years, she has led teams in the Internal Audit function for USAA. Currently, she leads the talent management initiatives for internal audit. In her community, Winkler supports Provisions, Bulverde Spring Branch Activity Center, and local water conservation programs. As a member of St. Paul Lutheran Church, Ms. Winkler currently serves on the Property Team and the Call Committee. Prior roles include leading the children’s Sunday School Program and overseeing the St. Paul Christian Day School Board. She and her husband, Brent, have lived in Bulverde for over 25 years raising their two children, both Smithson Valley High School graduates. Winkler understands the importance of dependable and effective communication services, assessing business risks, and innovating products and services. “GVTC has been part of my family for the past 25 years and I am honored and humbled to be chosen by the community to serve as a director at this amazing company,” said Winkler.

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B oerne B usiness M onthly | August 2021

About GVTC: GVTC is an award-winning fiber optics communications provider delivering high-speed Internet, digital cable TV, phone and interactive home security monitoring to residential and business customers in far north San Antonio, the Texas Hill Country and SouthCentral Texas. GVTC offers Internet connection speeds up to 1 Gbps and symmetrical broadband connections, up to 100 Mbps. GVTC’s wholesale carrier transport network delivers Ethernet data delivery between San Antonio, Austin, Dallas, and Houston, with access to remote Texas markets. The company organized the GVTC GigaRegion , a unique private-public partnership with the cities of Boerne, Bulverde and Gonzales. The GVTC GigaRegion markets the benefits of a fiber network, along with economic incentives, to compete for jobs and improve quality of life. The company’s philanthropic arm,The GVTC Foundation, is celebrating more than a decade of charitable giving. With more than $2.6 million in contributions throughout GVTC’s service area. BBM

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mark your calendars for the next

Kendall County Wild game dinner

NOVEMBER 6, 2021 AT THE KENDALL County Youth Ag & Equestrian Center