Boerne Business Monthly - August 2022 by Distinct Media LLC

Volume 15, Issue 02: August 2022

BOERNE business monthly

Enriching the Local Reading Community MAKING 80 THE NEW 60

HOW TO REPORT OPERATING LEASES ON YOUR BALANCE SHEET

LOCAL NEWS & INFO

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hey y'all

It’s been a short, HOT summer! It seems like only yesterday we were wrapping up the school year and now it is already time for the kids to head back to class. School starts for local children that attend Boerne ISD on August 10th this year and for many of us parents that means back to early mornings, after school sports and of course homework. Ready or not, here it comes. I pray that the students, teachers, faculty and staff have a blessed 2022-23 school year! Here at BBM we love our local stores and this month we feature The Boerne Bookshop. Owner Dale Adams has done a fantastic job of creating a charming bookstore with interesting finds for the young and old. There is even a large selection of local authors as well. Read all about it on page 16. Also in this issue, Steven Guerra of ADKF shares tips on how to report operating leases on your balance sheet, Karl

Eggerss of CAPTRUST provides an interesting article on prolonging our quality of life as we age, we have a full and fun Calendar of Events, and would you check out those Ribbon Cuttings wow!! So many new businesses! I do have to end by saying that I am very sad about the closing of Broken Stone Pizza. This was truly one of my go-to restaurants and I will definitely miss this local business. I hope you all enjoy the August issue of BBM!

Lauren Stumberg Owner/Publisher

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EMPOWERING SUCCESS Confidential Career Interviews Call (210) 710-6601

August

CONTENTS

08: accounting Javier Acevedo

Robin McCall Dallenbach

Operating Leases: Understanding How to Report Them on Your Balance Sheet by Steven Guerra – CPA, ADKF

10: school news 11: calendar 16: cover feature Jim Campbell

Renee Campbell

Kathy Cloud Wiley Cloud Owner/Brokers

The Boerne Bookshop: Enriching the Local Reading Community

20: newsworthy

GVTC’s Board of Directors Welcomes New Member

22: ribbon cuttings 26: quality of life

Making 80 the New 60

courtesy of Karl Eggerss – CAPTRUST

30: real estate Home & Land: Shift or Slide?

by Carol Schultz & Ariel Brooks-Stevens of Hill Country Home and Land

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 | August 2022

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

Best wishes to students and staff for a safe and exciting school year! From all of us at Hill Country Home and Land

ARIEL BROOKS STEVENS MIKE SCHULTZ CONNIE MCCORD CAROL SCHULTZ 501 E SAN ANTONIO – BOERNE, TEXAS | WWW.HCHOMEANDLAND.COM | (830) 331-1104 boernebusinessmonthly.com

accounting

Operating Leases: Understanding how to report them on your balance sheet

by Steven Guerra, CPA

Yes, a significant change will be appearing on your financial statements if you have operating leases. Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) 842, Leases, is effective for private companies and nonprofit organizations annual reporting periods beginning after December 15, 2021. For most of us, this change will impact the financial statements dated December 31, 2022, or later. The main objective of the standard is to improve financial reporting by enhancing transparency of leasing obligations; in particular, operating lease contracts. Per ASC 842, a lease is a contract granting control of an identifiable asset for a specific period in exchange for payment. For example, if you lease a building or vehicle, then you have an asset that needs to be identified as an asset over the length of the lease. Finance leases, also known as leases, that include the purchase of the item leased, have previously been, and will continue to be, required to be recorded on the balance sheet. Operating leases have been treated as offbalance sheet transactions, which means, they were not recorded on the balance sheet. However the payment obligation of the lease contract is a liability to your organization and is not shown as something you owe on your balance sheet. After adoption of the standard, operating leases will be recorded on the balance sheet as well. A lease will be recorded on the balance sheet as a right-of-use (ROU) asset and lease liability. The lease liability is the payment obligation over the term of the lease contract, while the ROU asset represents the control of the asset under the lease contract. The asset and liability of operating leases need to be presented separately from finance leases, either on the face of the balance sheet or in the notes to the financial statements. For example, let’s look at a building lease, the asset will be the building and the liability will be the lease payments, both shown on your balance sheet. The ROU asset, the building in our example, is amortized over the term of the lease and, unless the initial term of the lease is twelve months or less, will be presented as a long-term asset

B oerne B usiness M onthly | August 2022

on the balance sheet. The lease liability, the lease payments in our example, is subject to the classification between current and long-term liabilities. On the income statement, the amortization, or reduction in the value, of the ROU asset will be recognized as an expense. No change in the treatment of interest expense on finance leases. Overall, no significant change in the presentation of finance leases. The standard impacts operating leases. Depending on the types and quantity of operating leases your organization is committed to would influence our recommendations for best practice on implementing the new lease accounting standard. For further guidance please contact ADKF and we would be glad to assist you in your preparation of the adoption of the standard. BBM 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 fullservice CPA firm dedicated to providing a broad range of tax, audit, accounting, tax controversy, valuation, and consulting services with superior customer service to help our clients meet their goals and objectives. Please click here to set an appointment with us.

Steven Guerra, CPA, obtained his BBA in Accounting and Masters in Accountancy from the University of Texas at San Antonio. He has been a practicing accountant and Certified Public Accountant since 2008 and joined the ADKF family in 2016. He specializes in Not-forProfit, For-Profit, and Employee Benefit plans. Steven is a member of the American Institute of CPA’s, TXCPA Texas Society of CPA’s, TXCPA San Antonio Chapter, and the UTSA Alumni Association.

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“A heartfelt thanks to my patients and their families for trusting me to serve them. It has been a privilege to provide the compassionate, state-of-the-art vascular care that PVA has been known for since 1975. My team- including Boerne providers Dr. Allen Hartsell, Dr. Seth Fritcher and Dr. Jeffrey Stein- remains committed to delivering the highest possible level of care both now, and in the future.”

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school news

BOERNE ISD:

Back-to-School News

TO WELCOME BISD IS EXCITED BOERNE ISD NEARLY 90 NEW FAMILY THIS HE TEACHERS TO T YEAR! SCHOOL

BOERNE ISD, LAW ENFORCEMENT AGENCIES, AGREE TO ADD SCHOOL RESOURCE OFFICERS Boerne ISD, along with the Boerne and Fair Oaks Ranch Police Departments, and the Kendall County Sheriff’s Office, have agreed to work aggressively toward assigning each Boerne ISD campus with a designated School Resource Officer beginning in the 2022-23 school year. This collaboration is in an effort to strengthen safety and security measures at all Boerne ISD facilities. The City of Boerne will provide eight officers, while the City of Fair Oaks Ranch and Kendall County will provide two officers/deputies each, ensuring that each campus has a uniformed member of law enforcement stationed on site. BISD and the law enforcement agencies share the costs associated with SRO’s. School Resource Officers (SRO’s) are certified law enforcement officers responsible for safety and crime prevention in schools. SRO’s are active members of local law enforcement and have extensive background and training and will continue to train for the various scenarios. In addition to the increase in SRO’s, Boerne ISD continues to thoroughly review its safety and security protocols, such as performing an internal and external safety audit, screening all visitors though Raptor visitor management, as well as the use of multiple layers of security that are visible and not visible. pictured: Members of the Boerne and Fair Oaks Ranch Police Departments, as well as the Kendall County Sheriff's office.

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AUGUST

Calendar of Events EVERY SATURDAY 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. AUGUST 2 GBCC RIBBON CUTTING FOR MAID IN TEXAS 11:30am to 12:00pm 265 S. Main Street – Boerne GBCC RIBBON CUTTING CELEBRATING CHICK-FIL-A LEON SPRINGS' 1 YEAR ANNIVERSARY! 1:30pm to 2:00pm 24503 W I-10 – San Antonio AUGUST 4 GBCC RIBBON CUTTING FOR DAVID CHANDLER AND MINERVA FLORES WITH NEW YORK LIFE 1:30pm to 2:00pm The Greater Boerne Chamber of Commerce Boardroom 121 S Main St. – Boerne continued on page 13

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CALENDAR OF EVENTS | cont’d AUGUST 5 GBCC RIBBON CUTTING FOR THE BOERNE ISD AG BARN AND ANIMAL SCIENCE CENTER 9:00am to 9:30am Kendall County Fairgrounds 1307 River Road – Boerne AUGUST 8 KENDALL COUNTY COMMISSIONER’S COURT 9:00am to 11:00am Kendall County Courthouse 201 E. San Antonio Ave. – Boerne AUGUST 9 CITY COUNCIL MEETING 6:00pm to 8:00pm Livestream Meeting See ci.boerne.tx us for link to meeting

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AUGUST 10 FIRST DAY OF SCHOOL FOR BOERNE ISD AUGUST 11 BOERNE AFTER 5 MIXER HOSTED BY LA CALABRIA PIZZERIA AND CATERING 5:00pm to 7:00pm 390 Hermann Sons Rd. – Comfort AUGUST 12 NIGHT HIKES FOR ADULTS 7:30pm to 9:00pm 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 MOVIE IN THE PARK: NINJA TURTLES 7:00pm to 10:00pm Pre-movie activities begin at 7 p.m. and the movies will begin at dark. City Park | 106 City Park Rd. – Boerne Family friendly outdoor movie in the park with preshow activities. Come out early pick your spot, get a movie snack

continued on page 21

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B oerne B usiness M onthly | August 2022

cover feature

Enriching the Local Reading Community by Lauren Stumberg | photos by Ron Pritchett

Tucked away just off of Main Street in Boerne you will find The Boerne Bookshop. Step inside and you will feel a sort of charming nostalgia, almost a step back in time if you will, to an era where the written word and the power of the imagination reigned supreme over technology, the internet and social media. “We encourage our customers to unplug with a good book,” said Dale Adams, owner of The Boerne Bookshop. Opened on Black Friday of 2019, The Boerne Bookshop offers a wide range of topics and an eclectic mix that appeals to customers of all ages. The beauty of locally owned bookstores is that no two

are ever the same. They are shaped and formed by the books on their shelves. “I would say that over time our bookstore has evolved as we become more familiar with the types of books that our customers are seeking and others that we can expose them to that they might find intriguing. It is important to us that we find what appeals to the local audience,” said Adams. Having served on the Boerne ISD School Board, Adams found himself wanting to do something different once his children had graduated. “I just felt that we needed to have a bookstore in Boerne,” he said. “Reading has always been an important part of my life and my continued on page 18

boernebusinessmonthly.com

continued from page 17

grandparents owned a printing business. I guess you could say it’s in my blood.” According to Dale, the community support for The Boerne Bookshop has been incredible since day one. Customers of all ages have flocked to the store and come through with their support over and over again. “One of the most interesting things to me has been the amount of pre-teen and teenagers that come into the store. Kids will come in and browse around after school. The types of books they are interested in has also been surprising. These young people are actually buying a lot of the classics!” You will also find an extensive kids section at The Boerne Bookshop. “This section is very popular with the kids, parents and grandparents. This area even includes a BRIO play area, where little ones can drive trains over bridges and through tunnels while their parents shop,” added Dale. “We hope to provide our customers with a relaxed, casual atmosphere to examine our merchandise at their leisure. We also enjoy talking to our customers and really getting to know their likes, dislikes and finding out what they may be looking for. In fact, we spend a large amount of time sourcing books for our customers.”

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B oerne B usiness M onthly | August 2022

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One thing that Adams didn’t realize until opening the bookstore was the Symptoms like these could be due to a hormone imbalance. As you amount of local authors we have here in age, your body naturally begins to produce lower levels of hormones and around Boerne! As a supporter of the Improved mood, Increased energy, Restored libido community, Dale seeks to develop activilike testosterone and estrogen. Hormone optimization therapy may help ties and connections promote readingsleep, and and mental weight loss, and and better sex* bring these hormone levels back to an optimized level. personal development. One such activity is clarity* muscle mass* author signings which occur almost every Saturday, particularly with an emphasis on local authors and topics. The last Thursday of the month there is a Wine & Write, where participants are encouraged to come and hone their writing skills as they are guided through a particular activity while also enjoying a sense of community. Contact us to book your appointment today! “The local reading community is incredibly diverse and we love celebrating all of it. I encourage you to stop in and Improved mood, Increased energy, Restored libido sleep, and mental weight loss, and and better sex* join us as we explore, remember, learn and clarity* muscle mass* are entertained by the wonderful world of XXX-XXX-XXXX books,” said Dale. BBM

TheBoerneBookshop.com 153 S. Main Street, Ste. 120 Boerne, Texas Sunday – Thursday: 10am to 6pm Friday – Saturday: 10am to 8 pm Follow on Social @theboernebookshop for new arrivals, author signing announcements and more!

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*These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease. boernebusinessmonthly.com

n ewsworthy

Kevi n Owe ns Joi ns th e GVTC Board of Di rectors

The GVTC Board of Directors welcomed a new member at the 2022 Annual Meeting. Kevin Owens was voted in to serve as a director of District III, which serves the Balcones, Kenberg, and Sabina areas. Owens has been a GVTC customer for eight years and resides in the Boerne area. Owens holds a bachelor's degree and master's degree in Chemistry and Chemical Engineering. He has 40 years of oil and gas industry experience, 32 of which were in several international locations, including Azerbaijan, Bolivia, Denmark, Indonesia, Nigeria, Russia (Siberia), Trinidad, and Venezuela. In 2020, he was recognized by the Society of Petroleum Engineers with a Distinguished Achievement Award for his outstanding leadership across operations, personal and process safety, reliability, maintenance, production, and financial results. In his community, Owens serves as a director on the board for his local POA. He and his wife of 38 years, Dana, have lived in rural Boerne since 2014. Kevin retired from Chevron in 2020. They have two grown daughters living in the general area. Owen's background in mega operations, experience with numerous diverse cultures, desire to serve the community, and prior experience on other international non-profit boards allow him to be an effective and active member of the GVTC board. “After living overseas for the majority of my life, I wanted to find an opportunity to give back to the community I am a part of now, and GVTC is the perfect fit. I am excited and humbled to be chosen to serve as a director at this incredible company,” said Owens. 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 South-Central Texas.

GVTC offers Internet connection speeds up to 1 Gbps and symmetrical broadband connections up to 250 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’s philanthropic arm, The GVTC Foundation, is celebrating more than a decade of charitable giving. More than $5.3 million in contributions have been given throughout GVTC’s service area. BBM

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CALENDAR OF EVENTS | cont’d or two and hang out and enjoy free entertainment before each movie. Do not forget chairs, blankets and a favorite snack! Food trucks and other vendors will be on hand to provide additional tasty treats available for purchase. AUGUST 13 MOONDANCE OUTDOOR CONCERT SERIES: RUBEN V 7:00pm to 10:00pm Doors open at 7pm & Music starts at 7:30pm Cibolo Center for Conservation 140 City Park Rd. – Boerne The Cibolo presents the 2022 season of the Moondance Outdoor Concert Series. Ruben V from the San Antonio area will bring his sound to the stage at the nature center. Bring your coolers, chairs, family, and friends for a night of music and dancing. Food trucks are onsite. $15 per concert; $10 members; $5 Students Ages 12-15 continued on page 24

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ribbon cuttings

Greater Boerne Chamber of Commerce June/July 2022 Ribbon Cuttings

Chicago Title has deep roots going back to 1847, and now they’re located right here in Boerne! They are here to make your dreams a reality in the Hill Country area, as they are a widely trusted and reliable title company. Chicago Title also has a ChicagoAgent ONE app for quick and easy access to accurate estimates for buyers and sellers. For more information, head to their website sanantonio. ctic.com or give Chrissy a call at (830) 331-6100! Congrats Chicago Title, we are excited to see your great success in our community for many years to come!

Neighborhood News Inc. was founded in 1996, specializing in creating, printing and mailing newsletters for neighborhood groups. They also offer additional services that assist residents of neighborhoods in communicating with each other in an organized and official capacity. Jennifer, the president and CEO of Neighbors Choice Hill Country, has worked for the company since it’s inception, and is happy to have the opportunity to open the first franchise located here in The Hill Country! (830) 433-4650, go to neighborschoicehillcountry.com or stop by and visit her at 908 S. Main St. Ste. 101 in Boerne.

Cibolo Creek Quilters Guild is a community of quilters who gather for friendship, sewing, and donating their time and talent, and enjoy the fellowship of other sewing enthusiasts! They are a non-profit 501(c)(3) organization that celebrates traditional, modern and artistic quilting. They promote and advance the art of quilting by exchanging ideas on all aspects of quilting to include teaching and supporting the community with charitable quilts, service projects and events. To learn more about Cibolo Creek Quilters Guild and how to get involved, email them at ccqg2012@ gmail.com, call (830) 431-3198 or go online.

Chaparral Custom Cabinetry has roots going back to 1994! Kelley, owner of Chaparral Cabinetry, started the company with 700 square foot garage project, and grew it into the booming business it is today! With the demand for custom homes in the Hill Country area continuing to skyrocket, Chaparral Cabinetry is the first call you should make! Exceptional customer service and quality craftsmanship plays a huge role in their business. You can visit their showroom at 228 Commerce Ave. in Boerne, give Chaparral Custom Cabinetry a call at (830) 249-1458 or visit their website at chaparralcabinetry.com to get started today!

Since 2014, Solar Edge Pros have been helping Texas residents make the switch to cleaner, greener, and cheaper solar power. They believe in the positive effects of working hard, treating people with respect and doing the right thing. Their values transfer to both the customer experience as well as the culture within the Solar Edge Pros family. Founded in San Antonio, they do all work in house from marketing to installation! They offer free quotes and consultations for your home or commercial property, so why wait? To learn more about what type of installs Solar Edge Pros offer, their charitable work and more, head to their website at solaredgepros.com or give them a call at (210) 401-9030.

Brady Colt Custom Homes celebrated their 9th Anniversary with a special ribbon cutting ceremony! The passion for the construction industry started years ago when it comes to Brady Colt Custom Homes! From the latest technology to energy efficiency options, Brady Colt brings numerous options to the table that can fit within any budget. They are a certified green builder through NAHB and are constantly striving to improve the value and excellence of their homes. Head to their website at bradycoltcustomhomes. com to see featured projects, or give them a call at (210) 279-5367 to get started on your forever home! Congrats on 9 amazing years in our Boerne Community, Brady Colt Custom Homes!

The Downtown DIY is excited to bring their creativity to Boerne! They offer affordable access to a professionally equipped studio and craft space for creatives at all levels. Their inventory of specialized equipment and tools accommodate a variety of visual art media that includes clay, creative writing, digital media, painting, wood working and more! They offer everything from make and take options, a candle bar and kid’s craft corner to studio rentals and workshops! If you’re interested in learning how you can get creative in their space, give them a call at (830) 331-2295 or check out their website at www. ThingsToDoInBoerne.com! The Downtown DIY is located at 195 S. Main St. in Boerne, be sure to stop by and visit them!

Your CBD Store’s celebrated their 3 year anniversary with a special ribbon cutting ceremony! At Your CBD Store in San Antonio, their team is committed to spreading awareness about quality CBD products and their wellness potential, and teaching people how regular use of this supplement could have a lasting, positive impact on their life. They love to educate their shoppers on everything from dosage options and red flags to testing. Your CBD Store is always happy to spend time talking with people about different ways to incorporate CBD into their lives, and are happy to talk with you! Give them a call at (210) 701-8040 or go online sanantoniocbd. mybigcommerce.com . Your CBD Store is located at 23127 IH 10 W., Ste. 201 in San Antonio.

Big Brothers Big Sisters has been empowering potential for over a century. This non-profit offers mentoring programs to the youth of the community who need an extra support system in their life. With a branch now here in The Hill Country, children facing adversity have access to a strong, enduring, and professional one-to-one mentor that can change their lives for the better. Having access to a caring, positive role model who inspires the potential of these youth has been proven effective. If you’re interested in donating, volunteering, enrolling a child, or wish to learn more, give Rianne a call at (830) 777-7476 or go to bigmentor.org.

B oerne B usiness M onthly | August 2022

Cru Rentals, which started out as a hobby, has now grown into the largest vintage rental provider in South Texas over the last 9 years! They thrive on designing a one-of-a-kind atmosphere that tells a story through authentic décor and expertly styled spaces. Cru has a studio in Boerne where you can see their entire collection, meet the team, and plan details of your big event. Give them a call at (210) 364-2663, go to their website crurentals.com.

Hill Country Organized is here to help you redefine your space. Lori believes that organizing should not be stressful, and works alongside you or completely on her own while getting your space to where you’d like. While serving the entire Hill Country area, Lori can help with anything including the closet, kitchen, pantry, bedrooms, garage, playroom, office, or even life in general! Head to their website hillcountryorganized. com or give Lori a call at (830) 331-9301.

Texas Cheer Liquor is your local neighborhood liquor store with the best selection of craft beer, fine wine, & spirits! They are a local, family owned, boutique liquor store that also has a walk-in humidor. Head over to the store located at 12 Truss Dr., Suite 101 in Boerne. Congrats, Texas Cheer Liquor! We are so excited to have you in Boerne finally! You can contact them by calling (210) 618-9554 or going online texascheerliquor.com.

Boerne Escape Rooms is bringing family fun to Boerne! They’re a woman owned company, with multiple escape rooms and stories to choose from. Their experiences have been crafted with love and a deep passion for all things escape rooms. The team has collectively played over 100 escape rooms across the country and really believe that they bring a top quality experience to the players. Visit their website at boerneescape.com or call them at (210) 598-8394! Boerne Escape Rooms is located at 18 Scenic Loop Rd. Suite 200A in Boerne, stop by and check it out!

Human Interest is an affordable, full-service 401(k) that syncs to your payroll and handles record keeping and compliance so that you don’t have to! With easy onboarding, built-in education, automated portfolio management, an easy-to-navigate interface, and ongoing support, they make the process smooth and simple so that you don’t have to think twice! If you’re ready to get started or want to learn more, call Adrianna at (210) 730-1839 or visit the website at humaninterest.com. We can’t wait to see your growth in our Boerne Community, Human Interest!

GRIT Co. is excited for the opening of their new office and creative space in Boerne! As an industry leader in integrative design and construction services, GRIT Co. coordinates and consolidates all of the disciplines required for a seamless client experience. GRIT Co. offers design and construction of commercial buildings and luxury homes, custom millwork, and commercial branding and design. If you’d like to learn more about GRIT Co.’s business, or meet the team, give them a call at (210) 802-4844 or head to their website at gritbuilt.com! Congrats guys!

Realtor, Jordan Frantzen, is an agent with Niemeyer and Associates, Realtors. Frantzen specializes in the Texas Hill Country and surrounding areas. She is ready to help you find your dream home and get you top dollar on your biggest investment when you sell. Give her a call today at (210) 789-4979 or email jfrantzenrealtor@gmail.com. Be sure to like and follow her facebook page https://www.facebook. com/TXHillCountryRealEstate.

FYZICAL Therapy & Balance Centers has served our Boerne and Kendall County community since 1997. They offer a variety of Therapy, Massage Therapy, Neurological Rehab, Orthopedic Health, Sports Rehabilitation, as well as yoga and fitness classes! Call (830) 249-7211 or visit fyzical.com/boerne to learn more! FYZICAL Therapy is located at 1411 S. Main St., Ste. 102 in Boerne.

El Cazador Restaurant & Bar offers an upscale dining experience, specializing in Seafood and Mexican Inspired Cuisine! El Cazador is located at 250 River Rd. in Boerne. Please come out and help them celebrate their official Grand Opening on Monday, July 18th! Make your reservations now by calling (830) 331-8692! Their new website is elcazadorboerne.com. Hours of Operation: Monday - Saturday, 11 a.m. to 9 p.m.

Mammoth Contracting is the #1 roofer in San Antonio and Austin! They provide residential and commercial roofing, siding, solar panels and gutters with their Two-Tusk Warranty for material and labor. Mammoth operates with caution and efficiency so that your roof can serve your home dependably for years. With top-notch materials and a warranty guarantee, they are confident that they can make your roof services extraordinary! Reach out at (830) 850-4124 or head to their website mammothroofs.com!

Truist Bank is the one stop for all your banking needs! They handle personal, small business, commercial and corporate banking. Truist Bank is focused on taking care of their community, not just being a bank. They were born to care and work to go above and beyond what is expected. From buying a home, taking charge of your money, borrowing for a big purchase, to getting married and paying for school, Truist Bank will work to build a personal relationship with you so that they can help to create an individual plan for your future.To see the services they offer, or to contact them at 844-4TRUIST (844-487-8478) or check out their website at truist.com. boernebusinessmonthly.com

Inspiring people to achieve their life’s ambitions Prime Capital Investment Advisors is proud of our ability to provide our clients with full-service financial advice. Your personal financial advisor will educate you on wealth building and preservation strategies based on your individual situation. For more information about us and the investment services we offer, contact us:

616 E. Blanco, Suite 201-A / Boerne, TX 78006 (830) 816-5131 / PCIAWealth.com Advisory services offered through Prime Capital Investment Advisors, LLC. (“PCIA”), a Registered Investment Adviser. PCIA: 6201 College Blvd., Suite 150, Overland Park, KS 66211. PCIA doing business as Qualiﬁed Plan Advisors (“QPA”) and Prime Capital Wealth Management (“PCWM”).

Why United Texas?  Local decision making  Compeeeve rates  Straighhorward applicaaon  Loans for equipment, business vehicles, and real estate, including investment real estate  Lines of credit and term loans  SBA Guaranteed Loans - we’re an SBA Preferred Lender

AUGUST 13 & 27 KUHLMANN-KING MUSEUM TOURS 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. AUGUST 13-14 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. AUGUST 16

KCBFO TRANSPORTATION COMMITTEE MEETING 2:00pm to 4:00pm 447 N. Main Street – Boerne B.O.N.D. - BOERNE OPEN NEIGHBORHOOD DISCUSSION 5:30pm Zoom Meeting – Visit City of Boerne Website for Link B.O.N.D. meetings are an informal opportunity for residents to learn about proposed developments near their homes or businesses.

David Gray

VP Member Business Lending

1440 South Main 210.561.4578  davidg@utxcu.com utxcu.com

CALENDAR OF EVENTS | cont’d

B oerne B usiness M onthly | August 2022

AUGUST 18 GBCC RIBBON CUTTNG FOR ANNIE'S APOTHECARY CELEBRATING THEIR 15TH ANNIVERSARY! 1:30pm to 2:00pm 211 S. Saunders St. #1 – Boerne continued on page 28

For All of Life's Celebrations!

HAPPY 15TH BIRTHDAY, BOERNE BUSINESS MONTHLY!! ARIEL FORREN & HOLLY KALLEMYN www.HauteAirBoerne.com | HauteAirBoerne@gmail.com

boernebusinessmonthly.com

quality of life

Making 80 the New 60 by Gary Stern

When Dana Gibson was feted at her 80th birthday party, several people attested to how she operates more like a 60-year-old than an 80-year-old. She travels extensively—though her exploring the wilds of Guatemala may have slowed down—attends Broadway plays and cultural events, plays tennis several times a week, hikes, volunteers at a church, is as active as many millennials, and looks 20 years younger than her age. What is even better? She is not alone. Gone are the days of seniors relegated to sitting on porches, swinging life away. There is a major demographic transformation underway, and it is a phenomenon acknowledged by more than just the medical community. Unlike several decades ago, seniors living into their 80s has become commonplace. The Internet is replete with lists of influential over-80s who are still going strong: activist Jane Fonda (84), director Clint Eastwood (91), singer Joan Baez (81), and actress Rita Moreno (90). In fact, in the past two years, two octogenarians helped lead the country amid the COVID-19 pandemic and the political crisis surrounding the January 6 insurrection: Anthony Fauci, immunologist and director of the National Institute of Allergy and Infectious Diseases, and Nancy Pelosi, speaker of the House of Representatives. Both are 81 years old. So what is the secret sauce to operating like a 60-year-old when you’re 20 years older? A great deal of it has to do with choice.

Make Good Choices

Experts in longevity attest to the fact that staying healthy into one’s 80s depends on making the right dietary choices, exercising, avoiding undue risks, and, of course, having a good genetic base. But becoming a fit octogenarian starts way back in a person’s life, says S. Jay Olshansky, a professor at the School of Public Health at the University of Illinois at Chicago who specializes in aging. High school students, for example, acquire bad habits that shorten their lives, such as smoking, excessive drinking, steady drug use, or eating too much and becoming obese. Andrew Steele, a physicist and author of Ageless: The New Science of Getting Older Without Getting Old, agrees. “Not smoking is the single most important thing you can do. Smoking can knock off 10 years of your expectancy,” he says. And then, of course, not eating too much, avoiding obesity, and getting regular exercise all heighten the chances of living longer.

Keep It Moving

Olshansky says it is critical to keep the blood flow moving. “Our body is [made up] of components that deteriorate when they’re not being used,” he says. If you stop using your muscles, your body won’t waste the energy it needs to take care of them. Instead, your body will start to break your muscles down, which causes them to decrease in size and strength. The amount of time it takes for your muscles to atrophy depends on your age, fitness level, and cause of atrophy. If your muscle atrophy is due to disuse, the process can start within two to three weeks of when you stop using your muscles. The good news is that disuse atrophy can be treated with regular exercise and better nutrition. Your healthcare provider may recommend physical therapy or an exercise plan. Even if you can’t actively move certain joints in your body, you can do still exercises wearing a splint or brace. The mind also operates more efficiently when it has sufficient blood flow, Olshansky says. “The seniors who forget things are having a difficult time with the

blood flow in their brain and making synaptic connections.” Steele says more exercise also helps to sustain an active mind. “When you’re running, and your heart is beating in your chest, and you’re improving your cardiovascular muscles, you’re improving your mental health,” says Steele.

Avoid Isolation

“People in their 80s who are thriving have several things in common, including a lifetime of healthful and

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 | August 2022

nurturing environments, access to medical care, education, meaningful relationships, physical activity, nutrition, and engagement with people,” says Linda Fried, dean of the Mailman School of Public Health at the Columbia University Medical Center in New York City. “Avoiding isolation is a key ingredient,” she says. Fried’s research shows that older adults are prone to three specific kinds of loneliness. The first is brought on by a lack of intergenerational contact. “We need all age groups to interact to create meaningful lives,” Fried says. Second, aging adults tend to feel lonely when they aren’t able to contribute to society. While others might bond with colleagues or schoolmates, the elderly are not likely to have such outlets. And finally, aging adults are prone to what Fried calls an existential loneliness, or the sense that life lacks meaning or purpose. Older adults can take mental stock of the extent to which they feel lonely or socially isolated. Am I feeling left out? To what extent are my relationships supportive? Then, they should consider what underlies any problems. Why don’t I get together with friends? Why have I lost touch with people I once spoke with?

Find a Passion

Operating like a person 20 years younger requires finding your passion. “People in their 70s are faced with a choice,” says Michael Brickey, a psychologist based in Columbus, Ohio, who wrote The 52 Baby Steps to Grow Young. “They can sit in front of the TV and stagnate or learn how to play bridge, swim, or line dance or can join Toastmasters and learn to give speeches,” he says. At age 76, Brickey has started to garden and learn about plants and soil. For him, gardening brings “a sense of purpose and joy and a sense of accomplishment.” Other people might find a passion in music, reading, Bible study, bike riding, making art, or pets. “One way you know you’ve hit a passion is when you get so absorbed that you lose track of time and are totally immersed,” says Brickey.

Monitor, Monitor, Monitor

“As they age, people need to start protecting and monitoring their bodies,” says Olshansky, who is 68 years old. He stopped running eight years ago and started walking because “knees and hips are hinges that don’t last forever.” To stay fit at age 80, Olshansky’s advice is monitor, monitor, monitor.

In his personal life, he sees his primary care physician, dermatologist, and eye doctor regularly for checkups that help monitor the body parts that tend to fail between 60 and 80, he says. By analogy, he says automobiles with 60,000 to 80,000 miles must be treated more carefully and brought in for repairs more often than cars with 20,000 miles.

Social and Economic Changes

Steele, who lives in Slough, a suburb of London, says that “huge social and economic changes, such as conquering infectious diseases and creation of antibiotics,” contribute to people living longer and staying healthy. “In the next few years, there will be breakthrough medications and pills that will help intervene in the aging process and help slow the process of aging,” Olshansky says. According to The Washington Post, leading the list of candidates is metformin, a longtime treatment for type 2 diabetes, and rapamycin, a chemotherapy agent and immunosuppressant. Scientists also are studying a class of compounds known as senolytics, which attack senescent cells in the body that tend to proliferate with age. Senescent cells damage healthy cells around them, contributing to multiple age-related diseases.

Super Agers

Olshansky refers to people who are physically active and mentally sharp at age 80 and super agers. “These folks all come from a family history of exceptional longevity,” says Olshansky. “They all look younger for their age.” What you’re seeing is a signal indicating that the biological rate of aging is occurring at a slower rate,” he says. “They have, in short, won the genetic lottery.” Staying youthful and active into your 80s depends on “a mixture of genetic luck, consciousness, having passions, and developing the belief and coping skills that give you a thoughtful outlook,” says Brickey. 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. captrust.com/boerne

boernebusinessmonthly.com

CALENDAR OF EVENTS | cont’d AUGUST 23 GBCC RIBBON CUTTING CELEBRATING DAY 1 BAGS 11:30am to 12:00pm Greater Boerne Chamber of Commerce 121 S Main St. – Boerne

AUGUST 25 GBCC RIBBON CUTTING CELEBRATING THIRTY EIGHT & VINE 1:30pm to 2:00pm 302 S. Main St. – Boerne

CITY COUNCIL MEETING 6:00pm to 8:00pm Livestream Meeting | See ci.boerne.tx us for link to meeting

BOERNE AFTER 5 MIXER HOSTED BY UNITED TEXAS CREDIT UNION 5:00pm to 7:00pm 1440 S. Main St. – Boerne AUGUST 26 FAMILY NIGHT HIKES 7:30pm to 9:00pm 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 of dirt roads and rocks, which may not be ideal for strollers. Please bring a flashlight and a water bottle. Attendees will meet at the Cibolo’s Visitor Center before heading out on the trails. $8 members; $10 non-members AUGUST 27 BEERS & GEARS CAR SHOW

All Day Tusculum Brewing Co. 236 S. Main Street – Boerne Join the team at Tusculum Brewing Co. for a monthly car show. All makes, models, and years are welcome! Bring a car to show off or come to enjoy the festivities and admire a great collection of awesome vehicles. Come on out and enjoy some beer, food, live music in the evening, and check out the cars! Bring a lawn chair to enjoy the music in their outdoor space. This is a free event and it is open to the public! Have a car and want to participate!? All makes, models, and years are welcome! Load-in for the car show will begin at 3:30 PM. FIRST COME FIRST PARK. Show and shine only!

AUGUST 28

COUNTRY GOSPEL SHOW & LUNCHEON 11:30am to 1:00pm Sisterdale Dance Hall & Opera House 1210 Sisterdale Rd. – Boerne 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! BBM

B oerne B usiness M onthly | August 2022

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real estate

HOME & LAND:

Shift or Slide?

Where actually is the real estate market as we approach the 3rd quarter of 2022? Are we looking at a re-run of the collapse of 2008-2009 and a looming recession? Will inflation and elevating interest rates ruin the run-away real estate market we have experienced the last two years? The most recent local statistics in the Boerne 78006 area reveal that year to date existing residential sales volume is down 55% compared to the same time in 2021, while price per square foot is up 22%. In the 78015 area, sales volume compared to 2021 is up 25% and price per square foot is up 25%. Nationally, existing residential sales have decreased 13%, with prices up 7%. According to Dr. Lawrence Yun, chief economist for the National Association of Realtors, there are several factors to consider as we look to the remainder of 2022 and on into 2023. He predicts that number of sales will decrease in 2023 by 1% and prices will increase by 4% - indicating more inventory being available and a slow down in the number of sales. For buyers, inflation is impacting their household income as well as interest rates raising their monthly payment. They may not be able to qualify for as much home as they could six months ago. However, the sales are slowing and inventory is rising a bit. They may have missed out on several previous homes during the feeding frenzy time. Now there is less competition for them as a buyer and prices may be lowering, so their chances of getting the home they really want instead of just settling for something is greater. Something to remember is that home ownership usually outperforms inflation. For sellers, this still is a good time to sell if your home is priced reasonably and in good condition.

B oerne B usiness M onthly | August 2022

There may not necessarily be multiple offers and it may sit on the market for a longer number of days, but there are still many qualified buyers looking to purchase. Rising rents are driving buyers to purchase rather than rent. 25% of all purchases are still all cash. At a recent Texas Land Market conference, it was reported that the state's population is projected to grow from 29 million to almost 34 million by 2040. Since COVID and remote working, many people are choosing to move to or near small towns which is driving up the demand for land and country living. Dr. Ronald Kaiser, professor of Water Management & Hydrologic Science at TAMU stated that we as a state have plenty of water; however it will get increasingly expensive. Some real estate experts cite that the interest rates are not as horrrible as they seem; rather, our perspective is tainted because of the rapid rate at which they rose. In February of 2020, just prior to Covid, they were around 3.5%. In June of 2021, they went to almost an artificial rate of 2.93% and are now hovering around 6%. Many homeowners remember purchasing a home at a 14-18% interest rate and view 6% as an appealing number. A financing alternative that some are pursuing now are family loans where a member of the family finances the purchase for one of their family members at a rate lower than the market rate. You should check with your CPA for the IRS requirements, but it can be a substantial savings for the buyer as well as save the tax consequences of an outright gift for the lender. Although the market has cooled a bit, the remainder of 2022 and 2023 should remain strong because of low inventory and brisk buyer demand. BBM

CAROL SCHULTZ & ARIEL BROOKS-STEVENS HCHOMEANDLAND.COM (830) 331-1104

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.

Instant Estimates. Easier Than Ever. From Title Quotes, to Seller Net Sheets and Buyer Estimates. Visit KCAC.net to DOWNLOAD MOBILE APP

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stylist space available

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MAKE YOUR HOME AN EXPERIENCE!

Luxury Bath & Kitchen Remodeling 24 Years in Business 10 Years in Texas

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