Boerne Business Monthly – May 2014

Volume 6, Issue 11: May 2014

BOERNE BUSINESS MONTHLY

+

FAST FACTS: REVERSE MORTGAGES BATTLE OF WALKER’S CREEK 170TH ANNIVERSARY CELEBRATION TIPS TO AVOID EMOTIONAL INVESTING

The Fastest Internet Speeds Customized Phone Plans 24/7 Security Monitoring Crystal Clear Cable TV Fiber for Future Growth

GVTC services aren’t just helpful for my company’s success.

They’re

just plain integral.

Whether you have a home setup or a bustling office, true business success is nearly impossible without reliable and effective communication tools. Lightning fast Internet speeds, flexible voice plans, and future-ready fiber-optic technology are just the beginning. GVTC is unveiling technology that will give you virtual control of your communication systems. You’ll find the innovation and business-critical ideas coming from GVTC are something your company just won’t want to do without.

1 (8 0 0 )-FOR-GVT C

G V TC.COM

At a bank renamed for the generations.

J. David Williams

Gregg Appel

Brett McDowell

Penny Van Shoubrouek

Kevin Thompson

Margaret Jobes

Stephen Harris

Justin Hammack

Amy McRae

Samantha Robinett

Four banking centers in the Hill Country to serve you.

KERRVILLE 1145 Junction Highway

FREDERICKSBURG 710 South Adams

830-896-5000

KERRVILLE SOUTH 830-896-5000 207-C Sidney Baker South Amarillo

•

Boerne

•

BOERNE LOAN PRODUCTION OFFICE 309 Water Street 830-816-5199

Fredericksburg

PERSONAL BANKING

830-997-5544

|

•

Hart

•

Kerrville

•

Lubbock

BUSINESS BANKING

|

•

bankoncb.com

Plainview

E-BANKING

|

•

Post

•

Shamrock

•

Slaton

•

Tulia

WEALTH MANAGEMENT

estes audiology HEARING CENTERS

BBM Editable.indd 1

3/24/14 12:14 PM boernebusinessmonthly.com 3

publisher LAUREN TUTTLE STUMBERG director of sales & marketing RUSTY MEADOR art direction DISTINCT MEDIA, LLC cover photo PRITCHETT PHOTOGRAPHY distribution manager DAVE WILD for more information 210.219.6735 107 SHOOTING CLUB RD. BOERNE, TEXAS 78006 LAUREN@DISTINCT-GRAPHICS.COM WWW.BOERNEBUSINESSMONTHLY.COM

advisory council PHILLIP BELL Commercial Realtor, Phillip Bell & Assoc., LLC BETH COYLE President/CEO, Coyle•SDA MATT DIANA CEO, Covenant Services RONNIE E. HUIE Huie Financial Services MIKE LANG Owner & Escrow Officer, Kendall County Abstract Company

W

publisher's note What’s even hotter than a Texas summer? Boerne’s newest hangout, Random! It seems like every time we turn around someone is talking about this backyard-inspired beer garden that proves to be fun for the whole family! See what all the fuss is about on page 14.

Also in this issue we have plenty of helpful and informative ar ticles on everything from reverse mor tgages to how to avoid emotional investing and even resume tips for Baby Boomers.

Be sure to check out all the great local events that will be happening this month, including the 1st Annual Fundraiser for the Boerne Youth Football Association being held at Mi Casa Tamales on May 30th, it’s sure to be a great time for a great organization! Turn to page 18 for all the details!

I hope you enjoy the latest issue,

Lauren T. St umberg Publisher

facebook.com/boernebusinessmonthly

STEVE MACK CEO, Texas Heritage Bank DAN ROGERS President/CEO, Kendall County Economic Development Corporation CAROL SCHULTZ Realtor, LoneStar Properties RON WARDEN Financial Advisor, Edward Jones Boerne Business Monthly is published by Distinct Media, LLC, copyright 2014. 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 recomendations 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.

Welcome to Our Table SENIOR NIGHTS

Every Monday & Wednesday $7.99 Dinner Special (includes salad or dessert)

DAILY LUNCH SPECIALS Monday – Friday (includes Tea)

BREAKFAST SPECIALS Monday – Friday

707 S. Main Street – Boerne | 830.331.2552

www.riverbedconcrete.com

polished concrete flooring - stained concrete flooring concrete countertops & sinks - concrete basins & firebowls As Seen On:

39390 W IH 10 #C - Boerne, TX 78006 830-981-2210 Phone - 830-755-6055 Fax boernebusinessmonthly.com 5 Showroom by Appointment

May 2014

14

24

08

contents 08: event

170th Anniversary Celebration of the Battle of Walker’s Creek

09: newsworthy 10: finances

Free Yourself from the Cycle of Emotional Investing

11: calendar 12: leadership

14: cover feature

Random: Texas Family Fun

by Denise R. Marcos

18: youth sports

Boerne Youth Football Association Seeks to Expand Youth Football in Our Area

20: ribbon cuttings 21: medical

Carpal Tunnel Syndrome

Leadersteps: Leadership Development and Career Readiness Program for Boerne and Champion High School Seniors

by Bob Bower, MD

22: employment

Resume Tips for Baby Boomers

26

14 your SPACE 24: mortgage

Fast Facts About Reverse Mortgages

by Lance Lemoine

26: art

Mooney Makes Sense: Unveiling Texas

30: decorate

Top Spring Trends

by Taylor Davis

by Mary Elizabeth Bradford

ON THE COVER: RANDOM CO-OWNERS MICHAEL STRATIS AND MARY KANAFANI

STRENGTH. INNOVATION. SERVICE.

• The Hill Country’s premiere mortgage company • A wide variety of loan programs and offerings to custom fit your needs • Unmatched service from our loan professionals

31134 Interstate Highway 10 West – Boerne, Texas 78006

www.SonoraMortgage.com For more information, contact the professionals at Sonora Mortgage today.

Member FDIC

Lance Lemoine NMLS# 259781

(830) 755-4635

DeAnna Huff NMLS# 460533

boernebusinessmonthly.com

7

event

Kendall County Historical Commission Commemorates the Battle of Walker’s Creek

S

Sisterdale is well known for its origins - a free-thinking Latin Colony that rose up along the Pinta Trail (Camino Pinta) at the crossing of the Guadalupe River. During the late 1840s, immigrating Germans settled into this naturally beautiful valley in the Texas Hill Country; the enclave consisted of a community of large farms that radiated out from the ancient trail on the Guadalupe River and along the beautiful Sister Creeks. Socially and culturally enlightened it was hard to ignore these German immigrants’ unique beliefs, libraries and songfests. Sisterdale illuminated the wilderness that surrounded it. Today we are left with the romance of their spirit, and the original beauty of the land. But what is not as well known about the region…three years prior to colonization, when the lands were unpopulated, an epic Native-American/ Republic of Texas Ranger encounter, the Battle of Walker’s Creek played out in the wilds of the future Sisterdale settlement*. ”What happened next - seventy-five Penateka Comanches on fifteen Rangers, arrows and lances against repeating pistols - sounds like pure bloody pandemonium” wrote Pulitzer-nominated S. C. Gwynne.

Sunday, June 8th is the 170th anniversary date of renowned Texas Ranger Jack Hays’ game-changing 1844 Battle of Walker’s Creek and the Kendall County Historical Commission (KCHC) is planning a special all-day gathering within miles of the site of the engagement that highlights this unique moment in time. KCHC’s commemoration of the Battle of Walker’s Creek will tie together the connections between the bankrupt Revolving Firearms inventor Samuel Colt, the Republic of Texas Navy, Comanches, a contingent of outmanned but not outgunned Texas Rangers and a savvy Ranger leader with the heart of-a-lion. At the iconic Sisterdale Dance Hall, national, regional and local authors and experts including Ranger chronicler Mike Cox, and Empire of the Summer Moon’ author, S. C. Gwynne, will come together to explain what made this Comanche engagement a watershed event by developing its backdrop, story and epilogue; detailing the far-reaching ramifications of this seminal Native-American/Ranger encounter, the Battle of Walker’s Creek.

Event Activities include: Historically themed lunch and refreshments available, notable authors and presenters including S.C. Gwynne, and Mike Cox, local

8

B OERNE B USINESS M ONTHLY | May 2014

images (left to right): Engravings for two custom revolvers being made for the event; Colt Paterson Revolver.

author and Texas Ranger book signings, authentic heroes: former Texas Rangers, silent auction, rare Colt Firearms and historical exhibits, music and story-telling, children’s activities.

Proceeds to benefit: Kendall County Historical Commission’s preservation activities, Kendall County Historic Jail improvements, Sisterdale Volunteer Fire Dept.

Save the date: Sunday, June 8th and please join us at the Sisterdale Dance Hall. BBM

www.kendallcountyhistory.com

*Researcher Kenneth F. Neighbours,West Texas Historical Association Yearbook, October, 1965

O

Our Barre workout here at E+L Barre is low-impact, protecting your joints by avoiding any bouncing or jumping.

Each strength section of the workout is followed by a stretching section in order to create long, lean muscles without bulk. Great for men and woman of all fitness levels! Join us at the Barre as we work to create your perfect body, and just in time for Summer!

We offer fitness apparel for everybody &

EVERY BODY!

CALL TODAY! 830.331.8939

ASK US ABOUT OUR EXCLUSIVE DISCOUNTS FOR BISD, STUDENTS, MILITARY & BOERNE BUSINESS MEMBERS!

- Childcare Available -

www.eleganceand lifebar re.com

The GVTC Foundation Charitable Golf Classic is set to tee off once again at the beautiful Resort at Tapatio Springs. This year marks the 10th year for the golf fundraiser that benefits The GVTC Foundation.

More than 140 golfers from around the country will travel to the Boerne area to participate in the event.

Many of the participants are vendors of GVTC who’ve been supporting the Golf Classic for many years. Last year’s the tournament raised a record $110,000 The Foundation uses the

money to help nonprofit organizations all across GVTC’s service area. In 2013, the Foundation donated over $243,000 to 82 charitable groups.

In Kendall County $58,800 was given to help 22 organizations serving the area. The GVTC Foundation focuses its giving to health and human services, Youth services, education, volunteer emergency services and cultural activities.

Support from the community is accepted through online donations at www.gvtcfoundation.com or by calling 1-800-FOR-GVTC.

BOERNE EDUCATION FOUNDATION ANNOUNCES ‘ROCK ON’ SUCCESS The Boerne Education Foundation has announced that its annual Rock On gala netted just over $192,000 to support classroom projects and teacher initiatives in Boerne ISD schools.

“We want to thank our sponsors, our donors and everyone who had a part in making Rock On a success once again this year,” said BEF vice president Sharon von Rosenberg. “The support of this community should leave no doubt that education is a top priority here and that all of us are willing to go the extra mile to assure our students and teachers have access to education’s latest tools.”

Already this year, BEF has made contributions to the district totaling $256,000 from previous fund raising initiatives. The latest contribution was a $70,000 district grant in March to support ongoing staff development focused on integrating technology into classrooms. The grant also supported purchase of graphing calculators that are needed by students in 8th grade STAAR testing.

“The combined revenues from Rock On and the BEF annual campaign,” said von Rosenberg, “should place BEF in a great position to contribute generously to BISD for the upcoming school year.” The foundation raised more than $50,000 in its inaugural annual campaign last fall.

The mission of BEF is to provide opportunities for excellence in education, promote innovation in teaching, and partner with the community to enhance the quality of education in collaboration and alignment with Boerne Independent School District. continued on page 19 boernebusinessmonthly.com

9

newsworthy

COMMUNITY TO BENEFIT FROM GVTC ANNUAL CHARITABLE GOLF CLASSIC

finances

Free Yourself from the Cycle of

I

Emotional Investing

In many areas of your life, you’re probably aware that it’s useful to keep emotions out of your decision-making — and that’s certainly the case with investing. However, it can be difficult to keep your feelings from influencing your investment decisions. But you may find it easier to invest with your head, rather than your heart, if you know a little something about two different cycles: the market cycle and your emotional cycle.

Let’s start with the market cycle. If you’ve been investing for a while, you’re aware (probably highly aware) that the financial markets are rarely static — they are always moving up and down, at least in the short term. (Over the very long term, a period of many decades, the markets have trended up.) But these short-term movements, while perhaps appearing as “zigs” and “zags” on a daily basis, actually form a pattern, or a cycle, that can last for months or years. These cycles are known as bull (up) or bear (down) markets. Going back to the Great Depression, the average bear market has lasted 21 months, while the average bull market has extended for 57 months, according to research from Standard and Poor’s Index Services.

These market cycles greatly influence investors’ attitudes and behavior. In fact, they lead to the formation of investors’ emotional cycles. During bull markets, investors tend to feel optimism, excitement and even euphoria. But once a bull market ends and a bear market begins, investors start getting nervous. And the longer and deeper the bear market, the greater the depth of emotion felt by investors. These emotions can begin as anxiety and then progress to denial, fear, desperation and panic.

10

B OERNE B USINESS M ONTHLY | May 2014

Furthermore, market cycles and emotional cycles don’t really align. For example, investors may well experience euphoria when the market has reached its high point and a bear market has just begun. For a while, then, these investors, fueled by their euphoric feelings over the big gains they’ve achieved, may continue pouring money into the market, even as it’s declining. This type of behavior, though, is probably better suited for when the market is already at a low, when investors’ dollars will buy more shares.

Conversely, investors may reach the peak of their fearfulness at the end of a bear market, just when things are about to turn around. At this point, their fear may hold them back from investing — even though, with prices low, it can be a good time to invest. Clearly, basing investment decisions on emotions can lead to poor choices.

So don’t get caught up in this pattern. Instead, strive to follow a disciplined approach to investing. Build an investment portfolio that reflects your objectives, risk tolerance and time horizon, and seek to hold appropriate investments for the long term. Of course, you may well need to make adjustments along the way, but do it for the right reasons — such as a change in your goals or in the investments themselves — rather than as a reaction to the current market cycle.

Our emotions are powerful, and their power can increase when applied to such a meaningful aspect of our life as our finances. But if you can detach yourself, as much as possible, from the emotional cycle of investing, you can avoid considerable angst — while helping clear the path to pursue your goals. BBM Ron Warden is a financial advisor for Edward Jones.

830.249.8286, www.edwardjones.com 215 W Bandera Rd Ste 113 B Boerne, Texas 78006

May 2014

CALENDAR OF EVENTS MAY 3 HAUPTSTRASSE QUILTFEST 10:00am to 5:00pm | Main Plaza & Downtown Boerne Educational Craft Presentations, Window Display Contest, Shopping, Craft Vendors in the Plaza and more.

MAY 6 GREATER BOERNE CHAMBER OF COMMERCE RIBBON CUTTING FOR HOME INSTEAD 11:30am to 12:00pm | 121 Lohmann St. – Boerne MAY 8 GREATER BOERNE CHAMBER OF COMMERCE RIBBON CUTTING FOR CATHY'S FINE CHOCOLATES 11:30am to 12:00pm | 233 S. Main St. – Boerne GREATER BOERNE CHAMBER OF COMMERCE RIBBON CUTTING FOR HAWGS BIERGARTEN/TEXAS GOURMET PANTRY 1:30pm to 2:00pm | 265 S. Main St.– Boerne (formerly the Purple Iguana)

SECOND SATURDAY ART & WINE 5:00pm to 8:00pm | Galleries in Boerne The 2nd Saturday participants go all out with complimentary beverages and a variety of hors d’oeuvres along with fantastic art!

HOT ROD NIGHT AT SODA POPS 7:00pm to 11:00pm | 103 N. Main – Boerne Show off your ride or just check out the scenery! Music by River City Kings MOONDANCE CONCERTS AT THE CIBOLO NATURE CENTER 7:30pm to 10:30pm | 140 City Park Rd – Boerne Concert under the oaks and stars at the Cibolo Nature Center. Bring chairs, blankets, picnics to the fun and casual event! www.cibolo.org SAN ANTONIO CHAMBER CHOIR "ENDINGS AND BEGINNINGS," CONCERT 7:30pm | First United Methodist Church 205 James St. – Boerne Farewell concert for Founding Artistic Director,

Scott MacPherson.Tickets available online at sachamberchoir.org or at the door. $20 General, $15 Senior/Military, $5 Students MAY 13 CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne LIVE AT THE LIBRARY: JOHNNY P & THE WISEGUYS 6:00pm to 8:00pm | PHPL Main Lobby MAY 15 GREATER BOERNE CHAMBER OF COMMERCE SPEAKER SERIES: GENERATIONAL DYNAMICS WITH JOHN ANSBACH 11:30am to 1:00pm | Fair Oaks Ranch Golf & Country Club 7900 Fair Oaks Pkwy – Fair Oaks Ranch $45 Member/$50 Future Member www.boerne.org

continued on page 28

www.edwardjones.com

GREATER BOERNE CHAMBER OF COMMERCE BUSINESS AFTER HOURS MIXER SPONSORED BY PURESOL SPA 5:00pm to 7:00pm | 1 Resort Way – Boerne MAY 9 SHAKUHACHI - JAPANESE BAMBOO FLUTE CONCERT 7:00pm to 9:00pm | Cave Without A Name 325 Kreutzberg Rd. – Boerne Enjoy an intimate evening of traditional solo music for the Shakuhachi bamboo flute enhanced by the cavernous acoustics of the Throne Room.

MAY 10-11 BOERNE MARKET DAYS 10:00am to 5:00pm | Main Plaza – Boerne Main Plaza comes alive with great shopping in an outdoor setting.

MAY 10 BEAUTIFUL BUTTERFLY FESTIVAL 10:30am | Herff Farm 33 Herff Road – Boerne Learn about the beautiful butterflies of the Texas Hill Country. Butterfly experts and enthusiasts will give presentations and display live butterflies, and children will have a chance to make butterfly crafts to take home. www.cibolo.org

We Understand Commitment.

For decades, Edward Jones has been committed to providing financial solutions and personalized service to individual investors.

You can rely on us for: • Highly Personal Service • Convenience Investment guidance tailored to your Locations in the community and face-to-face individual needs meetings at your convenience • A Quality-focused Investment Philosophy A long-term approach that focuses on quality investments and diversification

Call or visit today.

Ron Warden

Rebeca Short

Financial Advisor

Financial Advisor

215 W Bandera Rd, Ste 113B Boerne, Texas 78006 830-249-8286

104 Medical Drive Boerne, Texas 78006 830-249-4630

Member SIPC

Allyson Munsell Financial Advisor 1011 S Main Street Boerne, Texas 78006 830-249-2748

boernebusinessmonthly.com

11

leadership

Boerne LeaderSteps

Empowering the Future Leaders of Our Community

by Lauren T. Stumberg

L

Before you are a leader, success is all about growing yourself.

When you become a leader, success is all about growing others.

— Jack Welch LeaderSteps Boerne is a leadership development and career readiness program for Boerne High School and Champion High School seniors. “Started 12 years ago by Mike Schultz and Danny Buck, the goal of LeaderSteps Boerne was to enhance the leadership skills of the high school seniors in our community and prepare them for what’s to come as they go on to college and the workplace,” said Jim Davis, president of the Boerne LeaderSteps board.

“I got involved with Boerne LeaderSteps after my son completed the program. I was so impressed I knew I just had to be a part of it.”

To be considered for the program, students must fill out an application. Every high school junior at both Boerne High School and Champion High School are given an application and encouraged to apply. According to Davis, “Student applications are evaluated based on many things, but it is important that they have already demonstrated some leadership skills along with volunteer efforts. Much emphasis is placed on the essay they are asked to complete in which we ask them to express how they believe being a part of LeaderSteps will benefit them in the future.”

Currently, 50 students are chosen to take part in the program each year. The Boerne LeaderSteps program consists of four, all-day sessions throughout the school year, which take place in September, November, January and March.

During the first session the students are taken to a local university where the focus is on college and planning. “What type of school would be a good fit, what to expect when you get to college, these types of topics are what we focus on during our first session. They get to hear the real story from our guest speakers,” Davis stated.

The second session is at a corporate environment. Davis added, “We’ve taken students to the Toyota Plant, Valero and Rackspace to name a few. We try to give them an idea of what work-life will be like. During this session we also work on interviewing and public speaking skills, discuss business ethics and many more topics that will help them as they enter the workforce.”

Session three takes place at Fair Oaks Ranch Country Club where topics ranging from conflict resolution to how to recognize and reward and even the art of writing a “thank you” note are discussed. This session also covers financial planning and budgeting, dressing for success and an etiquette class where the students are instructed on how to have a business lunch.

The fourth and final session includes messages given by Boerne High School Principal, Natalie Farber, Champion High School Principal, Jodi Spoor, as well as the Superintendent of Boerne ISD, David Stelmazewski. According to Davis, “The real highlight of this session is that the students come up to the podium and share their top two take-aways from the Boerne LeaderSteps program. Once they are finished they must introduce the next student.

This really puts into practice their public speaking skills as well as their ability to gather information on their subject.” During this session the parents of the students are invited to

attend and are able to really get a good feel for the program.

The current board for Boerne LeaderSteps consists of Jim Davis, Dixie Van Eynde, Don Van Eynde, Jane Bujnoch, Reid Cain, Susan Naiser, Reagan Pugh, Greg Rickert, Susan Shipp, Angela Sprowl, and Sandra Tibbs. The program doesn’t cost the students anything to attend and is funded by donations from local businesses and individuals who believe in the benefit of developing Boerne’s future leaders. Each year LeaderSteps Boerne requires approximately $7500 to operate which goes to fund charter busses for transportation, room and facility rentals at universities and country clubs, meals, printing and materials, honorariums and travel expenses for speakers. “We are so thankful for the businesses and individuals whose generosity allows us to keep the program running and we are always looking for additional people or businesses that would like to get involved. I really do feel that I get as blessed as the kids do!

It’s a fantastic and rewarding program to be a part of,” Davis added.BBM "As a result of Leadersteps I have developed a new sense of confidence and courage--two things that will be important in my future as a leader."

Erin Peacock, Champion High School senior "I learned that no two leaders are the same. We got to hear from various guest speakers that showed different leadership styles can be effective--it's not cookie cutter. The strengths-finder session helped us identify our particular leadership style."

Robert Garr, Boerne High School senior

To Learn More About Becoming Involved in Boerne LeaderSteps, please visit

12

www.LeaderSteps.org facebook.com/LeaderSteps B OERNE B USINESS M ONTHLY | May 2014

MRI NOW $

390

EVERYDAY AND ANY BODY PART. INCLUDES RADIOLOGIST’S INTERPRETATION! MRI’S are read by 14 boardcertified radiologists with specialties in Musculoskeletal, Neuroradiology, Body Imaging, Nuclear Medicine and Interventional Radiology.

MAJOR MEDICAL INSURANCE ACCEPTED!

830-816-5518

Boerne (830) 249-3955

B

leon springs (210) 698-8100

128 W. Bandera Road, Suite 4 | Boerne

NOW OPEN!!

725 N. Main Street – Boerne, Texas

before

after

CUTS • COLOR • STYLING Veronica “Barbie” Rogers, Owner/Stylist

Call (210) 836-5728

to Book Your Appointment! boernebusinessmonthly.com

13

cover feature

T EXAS FAMILY FUN BA INSPIRED BEER GARDE POPULAR COMMUN IT Y tography

by Denise R. Marcos | photos by Pritchett Pho

A

At this time of year, many parts of the country are still covered with piles of winter’s snow. But for Texas, beautiful weather sweeps across the Hill Country’s slopes. With warmer weather and bursts of sunshine replacing the chilly days, people everywhere are eager to gather outdoors.

So grab your friends and your family and join hundreds of small-town enthusiasts as they come together at the hottest place in town for good eats, good drinks and good music. Random, Boerne’s newest beer garden, event center and, well, just about everything, has opened up its gates to the community.

14

B OERNE B USINESS M ONTHLY | May 2014

Co-owners Michael Stratis and Mary Kanafani have welcomed hundreds of visitors to this popular hangout since it was purchased exactly one year ago.

“We used to vacation in Arizona. During our time there we went to a lot of wineries. The places we went to were very laid back and really focused a lot on nature. It was an inviting atmosphere. People were welcoming and it was very lively.

Michael and I knew that one day we would open a place with the same feel and vibe,” Kanafani said.

Located just off Upper Cibolo Creek Road and a short drive from Boerne Lake, Random spans across seven acres of wide-open space. Thursday through Sunday, the area is packed with hundreds of visitors. The property is speckled with decades-old trees and native foliage. Picnic tables, fire pits and lawn games create a fun, family-friendly environment for kids to run and play and friends to relax and unwind. In the mid-1800s, a German family once owned the property. All about taking something with a bit of history and giving it new life, Stratis and Kanafani repurposed the home’s garage into an open-air craft beer garden.

ACKYARDEN BECOMES HANGOUT!

“We fell in love with the process of brewing beer. It has a different flavor and aroma from those you would buy in a grocery store,” Kanafani said. “There are more than 80 different beer varieties to choose from. And we still serve everything from wine and mimosas to sangrias and margaritas. There is something here for everyone.”

Popular food trucks from around town and several from San Antonio have made quite a name for themselves at Random.

“Every week we have a new truck here selling food. People love that it’s always changing. We like keeping it fresh and the anticipation of something new creates a lot of buzz,” Kanafani said.

Family favorites like chopped barbecue sandwiches and puffy tacos to more exotic feasts like blackened fish tacos and green curry wagyu burgers are just a few of the dishes you could find at Random.

Every weekend a fresh set of musical talents, from established local bands to budding new musicians, help set the tone of this laid-back, backyard-inspired retreat.

“We want Random to be a place families and friends can create memories together. We want this to be a place of culture—a place of history,” Kanafani said. “Boerne has such great history and there’s so continued on page 16

boernebusinessmonthly.com

15

a place to host a fundraiser for a church or school function, they could certainly do it here. If someone was even looking for a place to have a wedding, we have the capabilities to host an event that large here.”

Random has already been the host to several events in its short existence. To truly gage its success has been immeasurable, Kanafani says, but the number of rave reviews and likes found on Facebook says otherwise.

“We are so glad that people of the community have really enjoyed coming to Random to hang out and unwind,” she says. “People are happy to share their experiences and it is really by their input and suggestions that we continue to grow in this direction.” BBM

facebook.com/RandomTexasFamilyFun

continued from page 15

much to learn about this property. There’s a story to be told and we want to share it. There is a lot to appreciate about the place and we want to encourage that type of culture here at Random.”

Much like its name, which was inspired by the daughter of Kanafani’s best friend and the owners’ desire to have a locale that could be used for just about anything, Random is a gathering place for all kinds of fun. This unique venue is ideal for area fundraisers, fairs, concerts and parties.

“When we were thinking of the kind of place we wanted Random to be, there wasn’t anything we saw limitations to,” Kanafani said. “If people wanted to have a birthday here, they could. If someone was looking for

SERVING THE BOERNE AREA FOR OVER 30 YEARS! LOCAL JOHN DEERE SOURCE! Accounting for Your Success At Akin, Doherty, Klein & Feuge, we do everything in our power to assist you with your business and personal accounting, tax and financial needs.

Friendly Hill Country Atmosphere • Product pick-up and delivery • At-home maintenance on small equip.

• Factory-trained parts & serv. dept.

Akin, Doherty, Klein, & Feuge, personally Serving our clients Since 1991.

830.815.1100 ■ www.adkf.com 507 E. Blanco, Suite 101 ■ Boerne, Texas 78006 8610 North New Braunfels, Suite 101 ■ San Antonio, Texas 78217 1040 N. Walnut Ave., Ste E ■ New Braunfels, Texas 78130 AI2KKCU1AA48339-RRT3X40501BBM-4C-00409272

16

B OERNE B USINESS M ONTHLY | May 2014

We have a COMPLETE LINE of John Deere products to meet any need. Plus, a knowledgeable sales staff that can help you at every turn.

PROVIDING QUALITY REAL ESTATE SERVICES FOR GENERATIONS...

The Houser family has been building, developing and selling Real Estate for three generations. We are long time Boerne residents and love buying, selling and building in the Hill Country. You can count on knowledgeable hometown service when you work with us.

Baron W. Houser (210) 313-7677

www.stonehousebuilder.com

Barrett Houser, Realtor速 (210) 364-6184 barrett.houser@gmail.com BarrettHouserRealEstate.com Selling residential, luxury, and farm and ranch properties.

AWARD-WINNING SERVICE. THE POCKET EDITION. With the Frost App for iPhone速 you can deposit checks, transfer funds, find nearby locations and talk to a real person at the bank with a single tap.

frostbank.com Boerne Financial Center 1300 South Main Street Boerne, Texas 78006 (830) 249-6633 MEMBER FDIC

boernebusinessmonthly.com

17

youth sports

Time for a Second Opinion on your Financial Future?

Call Cisneros Financial Services Today for a Risk-Free Review.

Boerne Youth Football and Cheer Association Seeks to Expand Youth Football in Our Area

B

Boerne Youth Football and Cheer, or BYFA, is all about Boerne, Family and Football. Boerne has been growing at an amazing rate with 10 to 15% of new children joining the ranks every year. We are seeing new residents from all parts of the country. With that in mind, the Board of BYFA decided that it needed to take the next step in the expansion of Youth Football.

BYFA has joined Texas Select Youth Football, an organization under the umbrella of United Youth Football League and USA football.

United Youth Football is a national football league partnered with the NFL to foster the development of Youth Football across the nation. USA football is partnered with the NFL to help Coaches with education and safety techniques to ensure that children learn correct football in a safe environment.

BYFA is very excited about the upcoming football season and the introduction of the Boerne Bulls. This year they will see a 25% increase in tackle football enrollment. In addition they are expanding the Flag football program to include 10 to 12 years and will bring back Cheerleaders.

With a new name, new uniforms and the latest, safest equipment, 2014 will be a booming year for Boerne Youth Football.

With all this excitement BYFA wanted to host an event to welcome and introduce everyone to the program. On May 30th, 2014, BYFA will host its 1st Annual Fundraiser. It will be an evening to celebrate Boerne and Football. Join them as they enjoy a taste of some of Boerne’s best food and people while listening to two hill country favorites: Cody Canada with the Departed and Charlie Robison.

The event will have both live and silent auctions of some great packages donated by BYFA sponsors. Tickets are available on their website www.byfa.org, by emailing byfatickets@gmail.com or calling Gina Rykert at (631) 805-1923.

To insure that their season gets off to a great start BYFA is looking for sponsors and volunteers to help out with the event.

If you are interested in either sponsorship or volunteering please contact Scott Rykert at (631) 478-4057.

BYFA hopes to see you May 30th at Mi Casa Tamales to celebrate! BBM

See the Ad on Page 19 for All the Event Details!!

18

B OERNE B USINESS M ONTHLY | May 2014

For over 40 years, Cisneros Financial Services, in conjunction with Russell Investments, a global leader in multimanager investing, has been consulting with and advising individuals, sole proprietors and business owners on strategies to help maximize their investment return in an ever-changing market.

If you are: • Retired and receiving distributions from an IRA • Contributing to a profit sharing plan • Looking to diversify away from non-performing investment vehicles

Contact us today for a free, no-risk consultation to get a second opinion on your financial future!

13 Upper Balcones Road | Boerne, Texas 78006 (830) 249-9900 | www.cisnerosfinancial.com Securities & Advisory Services offered through VSR Financial Services, Inc., A Registered Investment Adviser and Member NASD/SPIC. Cisneros Financial Services is independent of VSR.

PRESERVING THE PAST...

Kendall County provides a thriving business environment with an unmatched quality of life.

Growth Targets for Kendall County include: •Health & Medical •Resort & Conferences •Clean Industry •Higher Education •Corporate Headquarters •Existing Business & Industry •Retail & Service Expansion

• Business-Friendly Attitudes • Resources to Support Business Growth • Highly Educated Workforce • San Antonio Amenities 25 Minutes Away • Texas Hill Country Lifestyle 830.331.9070 • WWW.KENDALLCOUNTYEDC.COM

Hill Country Group • Major Medical Health Plans • Individual & Small Group • Life Insurance • Medicare Supplemental Plans

Richard D. Sena

830-428-0018

2 Spencer Rd, Ste. 102 Boerne, Texas

rsena@gvtc.com

The Bandera Electric Cooperative 2014 Cowboy Capital Stampede will go down in history as a success. On the morning of March 29, 2014, 117 cheery participants arrived at the Bandera City Park to walk or run in support of their charity. BEC had a total of 148 registrants, with 30 of them being walk-up registrants Saturday morning.

This year, participants had the opportunity to select from a list of organizations in which to have their participation fee dedicated. After registration fees and outside donations were allocated, BEC was able to donate more $7,300 to area and national charities: Hill Country CASA: $1,395 Hill Country Daily Bread: $1,375 Relay for Life: $735 St. Vincent De Paul: $1,370 Triple H Equitherapy: $1,365 Wounded Warrior: $1,075 In addition to the participants, the crowd was large due to the overwhelming volunteer support given by BEC employees and the charities receiving donations. The volunteers helped at water stations, direct traffic, and guide runners. Thank you volunteers for helping the Cowboy Capital Stampede to be a success.

We want to thank the sponsors of this year’s event: Lowe’s Market Bandera, Burnes & McDowell, CoBank, DAS Underground Utilities, Bandera Bank, Texas Electric Cooperatives, Insurance Network of America, Gulf Eagle Energy, and AEPEP.

Does Your Business Have Exciting News to Share? Tell Us All About It! lauren@distinct-graphics.com | 210.219.6735

boerne bulls

YOUTH FOOTBALL & CHEER First Annual Fundraiser

May 30th, 2014 7:00pm – Midnight AT MI CASA TAMALES RESTAURANT & CANTINA

25930 IH 10 W. ~ EXIT 550 ~ WWW.TAMALESMICASA.COM

www.byfa.org

CODY C & THE ANADA DEPAR TED TICKETS ON SALE NOW Tickets may be purchased at www.byfa.org or by calling Gina Rykert (631) 805-1923 • V.I.P. TABLE – $1200.00 (8 per table, food, alcohol, banner) • V.I.P. INDIVIDUAL – $150.00 • ADULTS – $50.00 (entry, beer, wine, food) • KIDS – $20.00 (7 & Up, entry, soda, food, 6 & Under free)

CHARLIE ROBIS

ON

boernebusinessmonthly.com

19

newsworthy

COWBOY CAPITAL STAMPEDE 5K/10K – FUN, FITNESS, CHARITY & SUCCESS

ribbon cuttings

GREATER BOERNE CHAMBER OF COMMERCE RIBBON CUTTINGS – APRIL 2014

Keep your eyes on Veterans Plaza. There is a major renovation in progress. The renovation was kicked off with a groundbreaking ceremony attended by City officials as well as members of the VFW Post 688The Plaza is one of the original four park sites in Boerne and is filled with a variety of trees and sidewalks that lead to the center of the park, where the Veterans War Memorial is located and is the site of annual gatherings for veterans and Memorial Day ceremonies. Though temporarily closed for events, when the park is open it may only be rented for small event activities that do not detract from the quality of life for the surrounding residents. Veterans Plaza is located at 801 S. Main Street in Boerne. To make a reservation, submit a Reservation Form to the Parks and Recreation Department at 1017 Adler Rd. / P.O. Box 1677, Boerne, TX 78006 or call (830) 249-9511. The City of Boerne’s website is www.ci.boerne.tx.us.

Steve Skarke, owner of The MERSED Group, LLC - Leading Elements’ mission is to assist others in building cohesive teams and unlocking hidden leadership within organizations.

His experience as an engineer and manufacturing executive is particularly helpful for other technical professionals who struggle with the challenges that leadership and team building can bring. The areas he covers are workshops/ retreats, coaching (teams and individuals), assessments, design development processes and public speaking. You can call Steve at The MERSED Group, LLC - Leading Elements at (281) 979-4563. You can also visit the website at www.leadingelements.com.

Partners Luke Kersch and Lee Chapman’s motto is “Head to the Hawg”! Located just south of Boerne on interstate highway 10 at the Scenic Loop/Cascade Caverns exit, Road Hawg’s Saloon is the ultimate party spot!

Featuring wall to wall flat screen televisions, darts, billiards, live music entertainment and a wide assortment of beer and liquor. You can also watch the big game, play some pool or listen to great music from their digital jukebox. Road Hawg’s Saloon is located at 31138 IH 10 West in Boerne and their phone number is (830) 755-6449. Please feel free to visit their website at www.roadhawgssaloon.com.

Whether you’re a local neighbor in BoerneKendall County, or a valued visitor traveling to the incomparable Texas Hill Country, Old No. 9 Depot combines the convenience and amenities of The Old No.9 General Store with Exxon Gas & the deliciously affordable menu of the famous Longhorn Cafe!

Add the party room in The Crow’s Nest and you’ve got it all! Managing Member Jeb Wait was on hand to cut the ribbon to kick off their grand opening and Chamber business after hours mixer. The Old No. 9 Depot, Longhorn Cafe and The Crow’s Nest are all located at 369 S. Esser at State Hwy 46 (River Road) in Boerne, Texas. You can call (830) 331-4011 and visit their website at www.oldno9.net for more information.

First United Methodist Church as opened a resale shop, Open Hearts Resale Boutique.

They are now accepting DONATIONS on Wednesdays from 9 am to 4 pm at 207 Theissen in Boerne. They also have several volunteer opportunities at different times and dates. Call or email Open Hearts Resale Boutique or sign up to volunteer online on the website www.fumc-boerne.org. You can also call them at (830) 248-1735. Let your unwanted items be a treasure to another!

Public art is now a reality in Boerne with the installation of two more bronze monuments.

Wild Bill Hickok sculpted by artist Erik Christianson is now located adjacent to Main Plaza on Main Street. The City of Boerne authorized the purchase of the final installment, the remaining amount was paid for by donations raised by the Hill Country Council for the Arts, artist Erik Christianson and Texas Treasures Fine Art Gallery and Sculpture Garden Owner Johny Rosa.

The Yamaha Fun Center and Coyote Powersports are your one stop dealer for all things Powersport! They serve the San Antonio and Hill Country Can-Am, Kawasaki, Honda, Suzuki and Yamaha motorcycle riders. You can find their dealerships in the surrounding cities of San Antonio, New Braunfels, Seguin, San Marcos, and now Boerne. Troy Chakales invites everyone to come out to the Boerne location at 32127 IH 10 West. You can also call them at (210) 606-8788 and visit their website at www.yamaha-funcenter.com.

Paul’s Gourmet Popcorn is truly a family business. It was the brainchild and dream of owner Sherry Ungashick for the past several years. Sherry made her dream a reality. Paul’s Gourmet Popcorn has 50 flavors of popcorn which can you can taste at their sample bar in the store. They also have a large selection of popcorn gift packages and candies to choose from. Paul’s Gourmet Popcorn is located at 28604 IH 10 West, Ste. 5 in Boerne, just outside of Fair Oaks Ranch. You can call Sherry and her staff at (830) 755-7700 for orders and more information or visit their website at www.paulsgourmetpopcorn.com to view their menu.

Morningside Ministries at Menger Springs’ President Alvin Loewenberg officiated the ground breaking of their new expansion The Overlook at Menger Springs. Both City and County officials joined the ceremony. The Overlook will redefine retirement living.

Luxurious one and two-bedroom apartment homes will be located in a peaceful, serene environment on 34 acres in the beautiful Texas Hill Country, a premier place to retire according to Kiplinger’s Personal Finance, Time and Money magazines. These private residences of modern architecture with a brand-new dining venue and additional common spaces, combined with excellent services and programs will offer an exceptional quality of life. The Overlook at Menger Springs will be located on the Morningside Ministries at Menger Springs property at 1100 Grand Blvd. in Boerne. For more information you can call (830) 816-4400 or visit their website www.mmliving.org/communities/menger-springs.

20

B OERNE B USINESS M ONTHLY | May 2014

The second of the bronzes was generously donated by Brenda Shaddox. “Land of the Cheyenne” is a beautiful bronze eagle sculpted by Jonathan Bronson. The Eagle was purchased by Brenda and her late husband Charles Shaddox over 15 years ago and had been installed at her previous home in Pipe Creek.

“Land of the Cheyenne” is now located along the new Cibolo Trail on a curve that matches the eagle’s wing. It, like Wild Bill, is a wonderful addition to the City of Boerne. Please take the time to visit Wild Bill Hickok on Main Plaza and “Land of the Cheyenne” on the Cibolo Trail in Boerne. You can contact the City of Boerne at (830) 249-9511, the Hill Country Council for the Arts at (210) 857-5997 and Texas Treasures Fine Art Gallery and Sculpture Garden at (830) 816-5335. Please feel free to visit their websites, www.ci.boerne.tx.us, www.hccarts.org and www.texastreasuresfineart.com respectively.

ANY LAB TEST NOW has opened an office/clinic in Boerne.

They are the first direct access lab testing services company, allowing individuals to take control of their health. They offer thousands of clinical, DNA and toxicology lab testing services for both businesses and individuals. Their affordable, upfront prices fit into a person’s healthcare budget, providing a solution that continues to support overall health and wellness.

ANY LAB TEST NOW partners with many major, high-quality laboratories throughout the U.S. to provide affordable and comprehensive lab testing services directly. Stop by and meet President Sesha Chary and his staff for a tour of the clinic. You can also call them at (830) 730-7777 and visit their website at www.anylabtestnow.com/boerne.

medical

Carpal Tunnel Syndrome:

C

ITS COMMON AND NOT ALWAYS CAUSED BY WHAT YOU THINK

Top Shelf Lawn & Landscape • Decks • Masonry • Irrigation • Carports • Lawn Maintenance • Landscape Design & Construction • Welding Construction • Fencing

NOTHING BUT THE BEST! FREE ESTIMATES 210.602.6755 | 325.374.4673

by Bob Bower, MD Carpal tunnel syndrome affects thousands of and the Phalen’s test involved wrist flexion to Americans annually. It involves the median determine if numbness or tingling occurs. nerve, which runs from the forearm into the Now, we fortunately have electrodiagnostic palm, and becomes pressured at the wrist. This tests referred to as EMG/NCV for specifically nerve controls sensation to all of the fingers with identifying conduction abnormalities of the the exception of the small finger and importantly median nerve and determining their severity. innervates the muscle at the base of the thumb. For this test, small electrode sticky pads are The prompt diagnosis and treatment of this applied to the hand with wires and a small disorder is important. First, we want to stop the electrical impulse is given to the nerve. This numbness, tingling and pain that occurs in the allows for detailed assessment of the median fingers, wrist and forearm. Second, it is critical nerve’s conduction status. The EMG/NCV test to prevent weakness from developing at the base is critical to avoid misdiagnosis of the sympof the thumb which can compromise hand grip. toms and unnecessary surgical procedures.

Many patients with carpal tunnel will comTreatments of carpal tunnel syndrome plain of numbness, tingling, itching or burn- vary depending on the severity and duration ing in the palm of the hand and fingers. The of symptoms. While nonsteroidal anti-inflamsymptoms often occur in one hand at a time matory medicines, diuretics, vitamin B6 have but both hands are frequently affected. Many been advocated, clinical evidence supports only patients will complain of morning symptoms a few treatments as effective for most patients. and it is thought this may occur due to flexion If wrist flexion or repetitive motion is contributof the wrist during sleep. In some cases the only ing to your syndrome, then adjustments in your presenting symptom is decreased grip strength. hand position at work and postural changes, The generally held belief is that carpal as recommended by your physical therapist or tunnel is only due to repetitive action such as chiropractor, may be helpful. A randomized, platyping or work on assembly lines. While such cebo-controlled study published in the Journal of repetitive hand work can certainly predispose Neurology has found that low dose prednisone a person to the development of carpal tunnel, over 2-4 weeks can resolve some mild cases of there are numerous other factors that are now carpal tunnel. Additionally, carpal tunnel wrist commonly associated with the development of splints, which prevent flexion of the wrist durthe disorder. Carpal tunnel syndrome can be ing sleep, frequently assist with symptom relief. seen from cysts or tumors in the wrists, preg- For severe carpal tunnel, outpatient surgery nancy, pituitary hormone abnormalities, trauma may be indicated. Fortunately, newer techniques with swelling, rheumatoid arthritis, diabetes allow many patients to undergo an endoscopic and frequently osteoarthritis. I am seeing procedure with limited to no down time. numerous patients in my office with diabetes or So, the bottom line is that carpal tunnel osteoarthritis who develop this disorder. syndrome is common but also extremely treatIn the past, the only method of diagnosis able. Should you have frequent hand and finger was physical exam and could be unreliable in numbness or decreased grip strength, prompt many situations. The Tinel’s test involved tap- evaluation could lead to resolution of symptoms ping over the median nerve to illicit paresthesias and prevention of permanent weakness. BBM Bob Bower, MD is a board-certified neurologist officing inside MRI NOW in Boerne.

128 W. Bandera Rd, Boerne, Texas | 830.816.5518

boernebusinessmonthly.com

21

employment

Executive Resume Tips for

M

BABY BOOMERS

My senior level clients are often concerned about “age discrimination.” Although I am sure there might be some truth to this in certain cases, I prefer to focus on the benefits a company gains from hiring a professional who can bring a lifetime of knowledge and experience to the table.

It’s interesting to note that if you are a professional over 50, the more you focus on the results you can bring to the table, the better.

Holding onto that mindset will set the tone and pace of all your career-related conversations and interviews.

There have been multiple articles written and studies conducted about a very possible shortage in executive talent by 2018, due to mass retiring of Baby Boomers (those born between 1946 and 1964). For example, a 2010 study by Barry Bluestone and Mark Melnik from the Dukakis Center for Urban and Regional Policy at Northeastern University estimated that by 2018 there could be more than five million unfilled jobs in the United States due to this reduction in workforce.

In my opinion, the actual increased need for expertise in a particular post or industry means that Baby Boomers should focus on their specialized areas of expertise, concentrate on what they can bring to the table, and highlight the mentoring they can provide to younger team members. Fortunately for most professionals with over 20 years of experience, identifying the areas where they shine and what they most love to do is usually very clear to them.

Here are some additional points you can apply to your professional or executive level resume that will help minimize any potential red flags and maximize your candidacy: • Don’t go back more than 20 years in your experience unless you absolutely have to.

• Don’t list dates you were in the military.

• Don’t list dates you graduated from college.

• Don’t list dates of every training course you have been through in the last 30 years.

• Make sure the content you list in your resume is fresh and relevant.

• Demonstrate you are current on trends, certifications, emerging technologies, and new management structures or generally new ways of doing business.

• Realize that many credible sources have warned of a looming shortage in senior executives as Baby Boomers retire out of the market and Gen Y employees pose new and difficult challenges for companies.

• Consider management consulting.

Be SURE to keyword match your ideal job search using indeed. com and insert these keywords into the first page of your resume. And unless you are going after a high visibility C-level position, keep your resume to 2 pages. BBM

Mary Elizabeth Bradford, CERW, MCD is an Internationally Certified Advanced Resume Writer & author of the Amazon bestseller: The Career Artisan Series: The 21st Century Resume Guide for the Perplexed (with Custom Online Resume Templates). This eBook, which is sale priced at $3.99, has helped thousands of jobseekers worldwide tackle the toughest resume writing challenges - giving job seekers both word.doc templates (online link) and step by step instructions on how to easily craft a results producing resume that works in today's job market. www.maryelizabethbradford.com

22

B OERNE B USINESS M ONTHLY | May 2014

This Mother’’s Day

Give Mom the Gift of Relaxation.

SWEDISH

|

DEEP TISSUE | HOT STONE | THERAPEUTIC AROMA THERAPY/ESSENTIAL OILS

Bailey Tuttle is a licensed massage therapist and owner of Boerne Bodyworks and Massage.

210.248.6165

to schedule an appointment 107 Shooting Club Rd., Ste. B | Boerne

your S PAC E

at home or at wor k... love the space you’re in!

THIS SECTION: mortgage | Fast Facts About Reverse Mortgages

art | Mooney Makes Sense: Unveiling Texas

decorate | Top Spring Trends

boernebusinessmonthly.com

23

mortgage |

FAST FACTS ABOUT

Reverse Mortgages

A

For many seniors, the solution to ‘what if ’ can be found in a reverse mortgage.

by Lance Lemoine

A SENIOR PERSPECTIVE: Many seniors share similar ideals; work hard, provide for the family, retire with the resources to meet basic needs and leave a legacy to their family, often in the form of home equity. While a few have seen this American dream fulfilled, for most seniors, their efforts have been derailed by unexpected life events and the rising cost of living. These financial strains left many seniors worrying about “What if.” What if: I can no longer make my mortgage payment? The car breaks down? My health takes a turn? For many seniors, the answer to “what if” is a reverse mortgage. They have discovered that reverse mortgages are a safe and secure financial tool that can assist them in remaining in their home, free of monthly mortgage payments (borrowers must remain current on property taxes, homeowner’s insurance and HOA dues), financially independent and with the peace of mind knowing they have the resources to pay for health care, home modifications or simply enjoy life a little more.

Making the decision to obtain a reverse mortgage is often stressful. It is not uncommon for seniors to find it difficult to set aside the belief that the equity in their home is somehow off limits and to overcome feelings of fear or guilt about pursuing a reverse mortgageeven when it may be the best solution for meeting their financial needs.

WHAT IS A REVERSE MORTGAGE? A reverse mortgage enables you to withdraw a portion of your home’s equity, use it anyway that you like, make no form of monthly repayment (borrower must remain current on property taxes, homeowner’s insurance and HOA dues), stay in your home as long as you like and when you are ready to sell your home or you have passed, the loan is repaid. This program is insured by the Federal Government. You do not forfeit title to your home or lose any other rights as the homeowner. You or your heirs decide when or if the home is to be

24

B OERNE B USINESS M ONTHLY | May 2014

sold and after repaying the loan balance, all remaining equity in the home belongs to you or your heirs.

WHO QUALIFIES? Qualifying for a reverse mortgage simply requires that the homeowner(s) be 62 years of age or older, own the home as their primary residence and the home must meet standard FHA Appraisal guidelines for property type, value and condition. Since the borrower does not make a monthly mortgagempayment (borrower must remain current on property taxes, homeowner’s insurance and HOA dues), factors such as credit rating, income and assets are minimal.

IS IT SAFE? In 1988 HUD adopted reverse mortgages and with the assistance of congress, enacted laws that put into place 12 safeguards that guarantee, as long as the senior borrower adheres to the HUD guidelines of the loan and remains current on their property taxes, homeowner’s insurance and HOA dues, they will not give up title to their home and will not put themselves, their home

or their family in any financial risk. Paying off a traditional mortgage with a reverse mortgage secures the home and reduces the risk of foreclosure due to an inability to make a monthly mortgage payment (borrower must remain current on property taxes, homeowner’s insurance and HOA dues).

HOW MUCH OF MY EQUITY MAY I USE AND HOW DO I TAKE THE FUNDS? The determining factors are the borrower’s age, home value and current interest rate. From this calculation, fees are deducted and any existing mortgage balances are paid in full. The amount that remains is available to the homeowner to draw as a lump sum, treat as a line of credit, receive monthly tax-free checks (consult your local tax advisor), or any combination of these three options. Regardless of how you choose to draw your funds, you will make no monthly mortgage payment (borrower must remain current on property taxes, homeowner’s insurance and HOA dues). Interest accrues only against the money drawn, and all remaining equity belongs to you or your heirs.

HOW CAN I USE MY FUNDS? Some seniors obtain a reverse mortgage only as a safety net to be used in emergencies. For others, it is used sparingly for things like home repairs, property taxes and unexpected expense. For many, it is the additional tax-free income that makes the difference between just getting by and living comfortably and financially independent in their home.

HOW DO I SELECT A LENDER? While a growing number of traditional lenders offer reverse mortgages, you will want to select a local lender that is dedicated and an expert in reverse mortgage lending. BBM

Serving our Friends and Neighbors of the Hill Country Since 1916

“Where experience and service make the difference” From its beginning in 1916, Kendall County Abstract Company has been Kendall County’s locally owned and operated title company. Over the last 97 years, we’ve earned the trust of real estate professionals because we’re experienced, we’re professional, and we care about our customers.

Ashlee Pfeiffer, Manager

Agent for:

• Stewart Title Guaranty Company • Fidelity National Title • First American Title Insurance • Alamo Title Insurance

830.816.2131 | 830.249.3341 - Fax 103 N. Saunders • Boerne, Texas 78006 (across from the courthouse)

VISIT US AT WWW.KCAC.NET

Lance Lemoine, NMLS #259781 President, Sonora Mortgage lance.lemoine@sonoramortgage.com 830.755.4635 phone ~ 877.696.2504 toll free 31134 IH 10 West Boerne,TX 78006 Copyright© 2014 1st Reverse Mortgage USA® NMLS#3001. All Rights Reserved. This office is licensed and examined by the Office of Consumer Credit Commissioner of the State of Texas. Some loan products may not be available in all states.To check the license status of your mortgage broker, visit http:www.nmlsconsumeraccess.org.

Offering Services in Accounting and Tax for Small Business, Individuals, and Non-Profits

830.995.5810

marcie@mlcoxcpa.com | www.mlcoxcpa.com boernebusinessmonthly.com

25

art |

26

B OERNE B USINESS M ONTHLY | May 2014

CRS,E-PRO, GRI 210.268.3691 (cell) | Carol@LoneStarBoerne.com

112 Rusty Lane – Boerne

2+ level acres of beautiful trees, 2266 sq. ft. ranch style home with an underground pool/spa and slide. All situated in Pleasant Valley which is 10 minutes from Boerne. Secluded cul-de –sac street and buffered from Highway 46. Open floor plan, beautiful living room fireplace, spacious kitchen, oversized master suite has a fireplace with antique mantle, large sitting area, London style water closet, bidet, claw foot tub and shower. 90% of bedroom closets are cedar lined. All flooring is hard surface - tile, laminate and hardwood in master #1. Heated pool/ spa and large workshop. A perfect spot for easy country living right outside Boerne! Call for pricing please.

Please go to www.HillCountryProperties.net for more pictures and additional listings.

The Luxuries of Life Brought to Your Home Call Mark Burns today at 830-446-1506 for a free consulatation.

Visit our Portfolio at: www.houzz.com/pro/boernekitchensandbaths

Remodel – Renovate – Refresh Boerne, Texas

boernebusinessmonthly.com

27

OH BOY. THIS OUGHT TO BE GOOD...

I’m about tired of it. Everybody seems to have a gimmick, a deal, a “better than great” offer that absolutely ends at midnight tonight. I’ve been in business for a long time, and I can tell you exactly who really pays for each and every one of these: YOU DO. Our approach may not be as glamorous and flashy – but we’re heating and air conditioning specialists – not late-night commercial pitchmen.

So my “offer” to you below is really what we do, all the time. We’re as regular as clockwork, about as precise and equally dependable. In fact, there are thousands of Kendall County area homeowners who enjoy getting...

• 24 hour service • 10 year system warranties • Hassle Free Maintenance Agreement Plans • 20% Energy Savings Guarantee You see, I don’t have a “special” for you. I already think my customers are special enough to be treated fairly, quickly, honestly and professionally.

Since you may not know me or our company, I want you to have some comfort in calling us. For your next heating or cooling need – whatever it may be – use this ad as your “coupon” for service.

It’s worth $20.00 on your next service call.

No gimmicks, no tricks, no whiz-bang giveaways. Just honest service from an honest company interested in solving your home maintenance worries.

830-816-1879

May 2014

CALENDAR OF EVENTS | cont’d MAY 15 GREATER BOERNE CHAMBER OF COMMERCE RIBBON CUTTING AND GRAND OPENING CENTENNIAL BANK 5:00pm to 7:00pm | 1689 River Rd. – Boerne MAY 16 BIKE NIGHT AT SODA POPS 7:00pm to 11:00pm | 103 N. Main Street – Boerne Hosted by Fire & Iron, Station 62, live music on the patio, lots of great things raffled off each month, classic cars and hot rods welcome!

MAY 17 BOERNE GARDEN CLUB PLANT SALE 9:00am to 2:00pm | Main Plaza – Boerne Bargains can be found in a variety of plants such as prennials, native plants, cacti, succulents, herbs, etc. Proceeds go to the beautification of Boerne.

ART WADDLE NEIGHBORHOOD ART WALK 10:00am to 4:00pm | In the Flats Begin at 204 W. San Antonio – Boerne Local and surrounding artists will exhibit their work for viewing and/or purchase at the second annual Art Waddle.

MAY 20 GREATER BOERNE CHAMBER OF COMMERCE RIBBON CUTTING FOR HANDYMAN MATTERS NW SAN ANTONIO AND BOERNE 11:30am to 12:00pm | 28720 IH 10 W, Ste.420 – Boerne

License #: TACLA26171E

GREATER BOERNE CHAMBER OF COMMERCE SPECIAL EVENTS NETWORKING FORUM SPONSORED BY ENCHANTED SPRINGS RANCH 12:00pm to 1:30pm | 242 State Hwy. 46 W. – Boerne This forum is for those Chamber Member businesses who plan special events or take part in or do services for special events.

GREATER BOERNE CHAMBER OF COMMERCE RIBBON CUTTING CEREMONY FOR EDWARD JONES: REBECA SHORT 1:30pm to 2:00pm | 104 Medical Dr. – Boerne MAY 22 GREATER BOERNE CHAMBER OF COMMERCE BUSINESS AFTER HOURS MIXER SPONSORED BY ASHTON WOODS HOMES 5:00pm to 7:00pm | Front Gate at Fair Oaks Ranch 28718 Front Gate – Fair Oaks Ranch MAY 25 BOERNE CONCERT BAND MEMORIAL DAY CONCERT 7:00pm to 9:00pm | Main Plaza – Boerne A variety of your favorite tunes!

MAY 27 CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne MAY 30 FLYING HIGH FUN & MOVIE IN THE PARK 6:30pm to 10:00pm | Main Plaza – Boerne Fun for the whole family! Come watche the movie "Planes."

BOERNE YOUTH FOOTBALL ASSOCIATION 1ST ANNUAL FUNDRAISER 7:00pm to Midnight | Mi Casa Tamales 2590 IH-10 West, exit 550 – Boerne Entertainment by Cody Canada and the Departed and Charlie Robison www.byfa.org for tickets, See page 19 for all the details! BBM

28

B OERNE B USINESS M ONTHLY | May 2014

BALCONES CREEK – NOW OPEN! Homes from the $420’s

THE ESTATES AT FREDERICK CREEK Homes from the $270’s

2 New Sections Coming Soon – Spring 2014!

Limited Homesites Remain!

Community Features:

Large wooded homesites 3-car garage designs available Close to historic Downtown Boerne Easy access to I-10, Hwy 1604, and Hwy 46 Close to shopping, dining, recreational areas and major employers

For more information contact Cesar Rivera at 210-381-5187.

Community Features:

Johns Rd. 10 87

Frederick Creek

St. in Ma

• • • • •

46

46

Fair Oaks Blvd.

Balcones Creek

87

• • • • •

11 home designs Large wooded homesites 3-car garage designs available Built on oversized homesites Hill Country experience offering city conveniences

For more information contact Stephanie Keene at 210-415-8668.

Map not drawn to scale.

Visit ryland.com for more information.

Ryland Homes HouseWorks® program offers energy efficiency with guaranteed monthly heating and cooling costs!

RS1019

In the San Antonio division, prices, plans and specifications are subject to change without notice. Map is an artist’s conception for general information purposes only and is not to scale. Photographs are for illustrative purposes only. Information believed to be accurate but not warranted. BUILDER magazine named Ryland Homes the 2012 “Fastest-Growing Public Homebuilder” in the May 2013 issue of Builder 100. See sales counselor for details and for a complete list of HouseWorks® features. © 2014 RH of Texas Limited Partnership.

OUR TEAM OF REALTORS CAN HELP YOU SELL, LEASE OR BUY YOUR NEXT PROPERTY!

!

SOLD CARRIAGE BLVD. MLS# 1044758

Office: 830-331-2666

!

SOLD

ER UNDRACT! T CON

GUADALUPE RIVER LIVING! MLS# 1041322

MT. EDEN MLS# 1045940

Meet Our Real Estate Agents!

Reach the Broker Day or Night!

Cell: 210-535-1355

103 E. Kronkosky | Boerne, Tx 78006 Professional Real Estate Services and Property Management

Ed Trevino, Broker

Allison Davis

Diane Bray

Heather Alaniz

HomeSweetHomeBoerne.com boernebusinessmonthly.com

29

decorate |

Top Trends to Freshen Up Your Space

A

by Taylor Davis

As the weather warms it often inspires people to shed the heaviness of winter and add something new and fresh to their décor. Just as a few accessories can totally transform an outfit, the same applies for a home or office. So if you think your space might be due for a bit of a pick-me-up, here’s a look at what’s hot right now in interior decorating.

COLOR CRUSH: Both deep blues and vibrant oranges are very popular right now. These complimentary colors are showing up on everything from rugs to fabrics and bedding and accessories of all sorts.

For blues, think navy and indigo. The orange of the moment is that of a rich tangerine, deep terra cotta or even a blood orange.

WOVEN AND KNOTTED: Very 1970s inspired, the trend of wicker, bamboo and rattan is back but with brightly lacquered colors and oh-so-modern shapes. The woven trend is popping up on everything from chairs, tables, headboards and even lamps and wall coverings. Take it a step further and embrace the knotted trend. Envision macramé light fixtures, heavy-gage yarns and textural rugs.

HAND-CARVED: Hand-carved details on everything from furniture to accent pieces are totally on-trend right now!

Intricate and impressive, with this trend it’s all about the details.

NAUTICAL: Perfect for summer, this seaworthy trend is showing up everywhere. Think décor ornamented with anchors, starfish, crabs and fish. Pair it with the popular deep blues and rich oranges we mentioned earlier for a true summer makeover.

A NEW TAKE ON TAXIDERMY: While taxidermy is less of a trend and more of a staple here in Texas, a new trend is emerging with lots of new takes on animal-inspired décor. Currently there are real and cast animal skulls turning up as light fixtures, gilded animal skulls, cast metal alligator skulls or turtle shells, and even large scale carved wooden creatures showing up in interior spaces.

EMBELLISHED ANIMAL HIDE: Animal hides are being seen everywhere from rugs to throw pillows to chairs and ottomans, but with a twist. Hides are being accented with metallics, in hues of gold, silver and bronze, adding texture and shine to animal hides both real and faux. BBM

30

B OERNE B USINESS M ONTHLY | May 2014

Phillip Bell

& Assoc., llc

PHILLIP BELL

REALTOR®, GREEN/Consultant

210.415.8483 pbell@texas.net

• ENERGY EFFICIENT • WATER CONSERVATION

It’s in My DNA! 2.99 ACRE LOT – 1025 BLANCO RD. is ready for mixed-use development. Located at 1025 Blanco Rd., property is complimented by mature trees and ideal location for commercial development opportunity (zoned B-1) and residential development with access from Dawnridge Street (zoned R-1). TxDOT estimates appx. 7000/ day traffic count. House to be removed, does not convey.

Call for details. $595,000

phillipbell.net

LAND SALE FOR

IN THE NEW

INDUSTRIAL ZONE

COMING SOON! INDUSTRIAL/TECHNOLOGY/BUSINESS PARK: This 28.4 acre property is available for development.

Recently annexed with Industrial zoning (I) pending, this property is ready for a professional developer to work with the City of Boerne for a most-needed industrial park. City water available. City sewer service in progress. Approx. 1400 feet of frontage on Shooting Club Road with additional access on Hwy 87 (Main Street). The property is under Ag-Exemption. 39 horse stalls, office and apartment to be removed. Contact listing agent for full details. $3.35/Sq.Ft.

34± ACRES: This property at 7 Becker Ln is offered for potential development. Located behind Ingram Readymix, with50 ft. easement fronting on IH-10 access road.There are two family homes and various out-buildings on the property with two wells and three septic systems. The 34+/- acres is not in the City limits but is in the ETJ. Ideal for light, industrial development. Electricity is available from Bandera Elect. Co-Op. Water and sewer service available from Kendall Utility. Survey, plat and aerials are available. Call for details. $2.00/Sq. Ft.

OTHER UNLiSTED COMMERCiAL PROPERTiES AVAiLABLE! boernebusinessmonthly.com

31

830.249.3006 | 210.414.8616 |

OFFICE CELL

107 S HOOTING C LUB R D .

B OERNE , T EXAS 78006

★ Ranch Roads ★ Chip Seal ★ Land Clearing

★ Stock Tanks ★ Septic Systems ★ Fencing

★ Arenas ★ Metal Buildings ★ Barns