Boerne Business Monthly - May 2023

Karl J. Eggerss Principal, Financial Advisor

Casey Keller, CFA Senior Vice President, Financial Advisor

Shawn Morris, CFP®, AAMS® Vice President, Financial Advisor

Britni Mosher Associate, Relationship Manager

Welcome! T

This past month, my son and I got to participate in the #brightenupboerne campaign! This year’s theme was outer space and we had the best time creating our very own out-of-this-world artwork on a trash can that will be placed in one of the City Parks! Our Parks and Recreation Department does such a wonderful job making life wonderful here in Boerne. Did you know that they maintain over 400 acres of green spaces and five and a half miles of trails? They run athletic programs, organize classes, festivals, events, camps and so much more. These hard working folks really deserve our support. Learn more about all that they do on the City’s Website.

We have a great May issue filled with lots of local news & info, a feature on Gary Pools, a fun-filled calendar of events and so much more. Have a wonderful May!!

Lauren Stumberg Owner/Publisher

Make It Safe to Age in Place

by Nanci Hellmich

F

For Dorothy and Ric Johnson, 68, of Ada, Ohio, there’s no place like their current home. They love the one-story house that they purchased five years ago and want to continue to live there, so they’re making modifications for the future.

They’ve widened the front door and installed a wireless control system that automatically adjusts lighting throughout the day and controls their thermostat and blinds.

Next, they plan to expand the width of the inside doorways and renovate the bathrooms to install curbless showers in case they ever need a walker or wheelchair.

Like many Americans, the Johnsons plan to age in place. Almost 90 percent of people 65 and over want to age in their current homes or communities, and 77 percent of those 50 and older want to remain in their current homes as they age, according to AARP surveys.

“Most people want to stay where they are comfortable and familiar,” says Ric Johnson. “They want to remain in the neighborhood where they have friends and know the stores and services. Many times, there are a lot of memories in their house.”

Johnson has given this subject a lot of thought. He’s CEO and president of CAPS Builder, which specializes in making renovations and building custom homes that allow for long-term living. He’s also a trustee for the National Association of Home Builders’ 55+ Housing Industry Council.

“If your home is comfortable and doesn’t have a lot of major underlying problems, then it’s probably worth remodeling,” says Johnson, who is a Certified Aging-in- Place Specialist (CAPS), a designation awarded to those who have completed the CAPS training program developed by the building association and AARP.

“It boils down to whether it’s a home where you can live mostly on one level,” he says. “Then the other levels can be used for storage or as a place where the kids and grandkids can stay when they come to visit.”

Weigh the Options

At some point, most people must decide if they want to remodel their current home and stay there, build a new home, move to a more accessible place, relocate to a retirement facility, or transition to a continuing-care retirement community (also called a life plan community) that offers independent living residences and access to graduated levels of care, says

Ryan Jantzen, a CAPTRUST financial advisor in Folsom, California.

“This is something we’re all going to have to think about—whether for ourselves or our parents,” Jantzen says. He advises clients to start considering options when they’re in their 50s so they can be “proactive instead of reactive if there’s an emergency or their life circumstances change.”

Jantzen’s own parents were able to remain in their home, which was one level and needed only a few modifications, such as grab bars in the bathrooms. However, the couple’s mountain retreat had stairs, so they added a chairlift to reach the second-floor bedroom.

His mother, who had Parkinson’s disease, lived at home until she passed away eight years ago. His father, 80, is still on his own. “He is happy to be independent,” Jantzen says.

Evaluate and Prepare

If you or your parents want to age in place, have the home evaluated and modified for safety and accessibility, says occupational therapist Lynda Shrager, a CAPS in Slingerlands, New York, and author of Age in Place: A Guide to Modifying, Organizing, and Decluttering Mom and Dad’s Home.

Shrager often gets calls from adult children who want her to assess their parents’ living situa-

Almost 90 percent of people 65 and over want to age in their current homes or communities, and 77 percent of those 50 and older want to remain in their current homes as they age, according to AARP surveys.

tion. Most of the time, she goes to the residence, but she can also do an evaluation virtually.

She starts by watching the homeowner go in and out of the front and back doors. Then, she observes them in every room as they get on and off the furniture and toilet and in and out of the shower. “I watch them reach for their favorite cup and saucer in the cabinet,” she says. “By observing them navigate their homes, I can see where they are having trouble and what’s causing the trouble.”

After the assessment, she recommends modifications. “I have never done an evaluation that didn’t require adding grab bars,” Shrager says. They’re often added outside and inside the shower, as well as near the toilet and other areas of the house. Some products double as towel racks or toilet paper dispensers, she says.

Johnson says most of his clients remodel a section of the first floor to accommodate their needs or those of an aging parent. Some choose to add an in-law or caregiver suite to the main levels of their homes. Renovations are usually done in the kitchen, bath, and hallways. Plumbing and lighting may also need updates.

The goal is to make changes to the home without making it look like an institution or hospital, Johnson says. For instance, if a client needs handrails in the hallways, he adds a wainscotting rail that matches the decor of the house. “It looks elegant, not utilitarian.”

Johnson encourages people to try to live on one level, but if necessary, he installs chairlifts. “We seldom add an elevator to an existing home,” he says, because an elevator needs an engineering study and drawing and requires quite a bit more research and planning.

Every project is different, but typically, Johnson’s clients spend $80,000 to $200,000 to remodel their homes. Most people recoup their investment when they sell the home because it now has a universal design, which makes the house accessible to anyone at any age, he says.

Build a New Home

Rather than remodeling, some people decide that starting fresh is the best solution. Max and Kelly Fregoso, 56, of El Dorado Hills, California, sold their 6,500-square-foot home last spring when the market was hot and are now custom-building a home where they can age in place, as well as care for Kelly’s mother, who is 79.

Their new 4,200-square-foot, one-story home will have wide hallways, wide doorways, no step-ups, and bathrooms that are wheelchair accessible. It will also have a bedroom with an ensuite bathroom for Kelly’s mother, who has poor eyesight. The bathroom has grab bars and a bench inside the shower. “Her bedroom is near

ours, so we can hear her and keep an eye on her,” Kelly says. They’re excited to remain in the community where they raised their two girls—staying close to their adult children as well as to extended family and friends. “This is our forever home,” Max says.

Analyze the Costs

Whether you’re inclined to remodel or build something new, when weighing the pros and cons of aging at home, you should factor in the costs of in-home care. Many older adults can stay in their homes with intermittent help from a caregiver, Shrager says. For instance, they may have someone come in for two hours in the morning and two hours in continued on page 11

Brooks’ passion is making fine felt cowboy hats. He likes to make hats for those who know the difference between good hats and great hats. He makes great hats. If you haven’t checked out the quality of Brooks’ hats, you should. You’ll be glad you did.”

– Dick Atwood

Spradley Hats has long been the standard in the custom hat world. You probably have a buddy that owns one. Think back to your grandfather’s hat, it felt like velvet, kept its shape whether you wore it to church or breaking ice in the water trough. You can still own a hat of this quality. Spradley Hats offers the age old, hand crafted quality of belly beaver and craftmanship to make a piece of headwear that you will pass down to your grandchildren. This headwear is guaranteed to be the finest that you could possibly own.

continued from page 09

the evening to help with bathing, dressing, taking medications, and preparing meals.

Costs will vary depending on where you live and the level of care you need, but the median cost of home care in the U.S. is about $26 an hour. In West Virginia or Louisiana, the average price is $19 an hour. In Minnesota and Washington— the most expensive states for home care—prices hover closer to $35 an hour.

The same variation exists in prices for residential facilities, but near Albany, New York, a high-end nursing home is about $130,000 a year, and assisted living facilities cost around $75,000 or more, Shrager says.

Calculate the Bottom Line

In addition to traditional financial planning services, Oliver Norman, a CAPTRUST financial advisor in Oklahoma City, Oklahoma, helps some clients compare projected costs associated with long-term care options with the costs of renovating their current home.

“We model and plan around lots of different situations,” he says. “We give a lot of thought to where clients are going to live for the next five to 10 years.”

In the end, it’s a personal decision, says Fred Sloan, a CAPTRUST financial advisor in Lake Success, New York. “Remodeling to stay in your home is a gift to yourself,” he says. “You have the right to spend your money the way you want.”

Sloan, 64, and his wife chose to downsize from their house on Long Island to a condo in the same area. They also bought a one-story, age-accessible home in Florida. They made the changes to simplify their lives and make things easier as they grow older.

“When we can no longer climb the stairs in our condo in New York, we can hole up in Florida,” he says.

Johnson also downsized. In 2017, he and his wife moved from their two-story 1890s farmhouse, where the couple had raised their three children, to their current one-story 1957 home in a nearby town. He’d had hip replacement surgery, which made them rethink living in a home with stairs.

“I have a better understanding of what clients go through due to the medical issues I have had,” he says. “When we’re finished remod-

eling this home, my wife and I will have a comfortable, safe, and accessible home that we can use well into the future.”

Karl J. Eggerss | Principal, Financial Advisor

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.

Outside of work, Karl enjoys spending time with his wife, Amy, and their two children, Anson and Avery. He also fits in a round of golf whenever possible. (210) 526-0057 | captrust.com/boerne

Top

MAY Calendar of Events

WEEKENDS

LIVE MUSIC AT TUSCULUM BREWING COMPANY

236 S. Main Street– Boerne

Check their website or call for more information about their featured weekly musicians!

www.tusculum.beer

EVERY SATURDAY

A DAY AT THE FARM AND FARMERS MARKET

9:00am to 1:00pm at Herff Farm

33 Herff Road – Boerne

Vendors will be set up at Herff Farm to supply you with some of your local favorites. Check their calendar for special events and programs each week.

OLD JAIL MUSEUM TOURS

10:00am to 5:00pm at The Old Jail Museum

208 E. San Antonio Ave. –Boerne

Tour the Old Jail Museum and enjoy its unique exhibits.

THURSDAYS - SUNDAYS IN MAY

“MURDER WEAPON” ON STAGE

Boerne Community Theater

907 E. Blanco Rd. – Boerne

It’s a murder mystery set in England where a female detective works to solve a mysterious death. Secure your tickets online. For exact dates and times please visit https:// boernetheatre.org

MAY 2

GBCC RIBBON CUTTING

BOERNE COMMUNITY

COALITION IS NOW LOVE

KENDALL COUNTY KIDS!

11:30am to 12:00pm

316 W. Highlands Dr. – Boerne

MAY 4

GBCC RIBBON CUTTING

EXP REALTY - SCOTT

SOUTHWELL

11:30am to 12:00pm

121 S Main St– Boerne

GBCC RIBBON CUTTING

ABCD PEDIATRICS

1:30pm to 2:00pm

116 Herff Rd, Ste 111 –Boerne

MAY 5

GBCC RIBBON CUTTING

ALENE’S BOUTIQUE

1:30pm to 2:00pm

1491 S Main St– Boerne

MAY 9

GBCC RIBBON CUTTING

LONESTAR COUNTRY CREATIONS

11:30am to 12:00pm

233 S Main St., Ste. H –Boerne

GBCC RIBBON CUTTING

HILL COUNTRY SPCA

1:30pm to 2:00pm

2981 S. Hwy 16 –Fredericksburg

MAY 10

GBCC RIBBON CUTTING FOR TOWN AND COUNTRY NURSING & REHABILITATION CENTER

4:00pm to 4:30pm

625 N. Main St. – Boerne

MAY 11

GBCC RIBBON CUTTING MONTICELLO HOMES

11:30am to 12:00pm

206 Navarro – Boerne

GBCC RIBBON CUTTING ASSEMBLE COCKTAIL WORKSHOP

1:30pm to 2:00pm

322 S Main St, Suite B –Boerne

GBCC BOERNE AFTER 5

MIXER: HOSTED BY KLEIN SMOKEHAUS

5:00pm to 7:00pm

342 N Main St. – Boerne

MAY 12 -13

BOERNE ART WADDLE

4:00pm to 5:00pm at Cibolo Creek Trail Between 100 N. Main Street and 106 City Park Rd – Boerne

The 11th Annual Boerne Art Waddle will be located along the Cibolo Creek Trail. This is a relaxed, fun event with the attributes of a major fine art event.

BOERNE MARKET DAYS

10:00am to 4:00pm at Main Plaza

100 North Main Street –Boerne

Boerne Market Days has become synonymous with great shopping in an outdoor setting with artists, craftsmen, and vendors sharing their creative talents and wares to the background music of some of Texas’ best homegrown musicians.

MAY 13

SECOND SATURDAY

AUTHOR SIGNING

11:00am to 1:00pm

Patrick Heath Public Library

451 N. Main – Boerne

Sci-Fi/Fantasy author Joseph A. Schiller will be signing copies of his novel Upon the Arrival of Dawn.

MAY 13, MAY 27

BLUEGRASS JAM AT THE AGRICULTURAL

11:00am to 1:00pm at The AgriCultural Museum

102 City Park Road – Boerne

Every second and fourth Saturdays of the month, bring your instrument and play along, or just come to listen to the Bluegrass Jam at The AgriCultural! This event is free and open to the public.

continued on page 21

WHY

Build It Once, Build It Right, Enjoy It Forever!

SSwimming pools and south Texas go together like chips and queso – that’s right, they are a match made in heaven! There is no better way to beat the Texas heat than a refreshing dip in your very own backyard oasis. Nobody knows this better than Gary Pools, the largest family owned and operated pool builder in central and south Texas. Started in 1954 by Leif Zars, Gary Pools has built over 24,000 swimming pools in their 69 years in business!

In 1953, Zars noticed that vinyl swimming pools were gaining in popularity across the country. With a $600 cash investment,

he started a business selling vinyl and fiberglass pools out of Scrivener’s department store on the North side of San Antonio. His business began to grow and he opened his first stand-alone location in 1955. Mr. Zars soon realized however, that the soil conditions in central Texas were not ideal for these types of pools. After three years in business, he made a change to pneumatic concrete (gunite) pools,

IMAGINE

a private escape with exciting play areas, unique water features, refreshing spas and relaxing lounge spaces; all surrounding a beautiful body of cool, blue water.

DISCOVER

providing a much more durable and longer-lasting swimming pool.

With business booming, there arose a need to service the pools that Gary Pools was building. A Gary Pools service department was opened in 1956. Soon after in 1960, a store was opened to meet the customer’s pool needs selling supplies and maintenance equipment. Today, Gary Pools continues to be a full-service pool company, offering everything from building, remodeling, service/cleaning, warranty and repairs.

When Leif Zars decided to retire at the age of 94, his son, Leif Zars II took ownership of Gary Pools. Having grown up in the pool industry, Leif learned the art of building a quality pool from his father. With a degree in software engineering and a passion for software development, Leif transitioned from engineer to business owner. Since taking ownership, he has leveraged his background in technology and implemented many systems to aid in business development.

Pete Herrera, General Manager of Gary Pools, has been with the company for thirteen years and knows first-hand the many benefits of building a Gary Pool. “With the best pool comes the best reputation and the most included options. We give you the most bang for your buck,” said Herrera. “We believe there are two standards of construction, the industry standard and the Gary Pools Standard. The Gary Pools Standard boasts an integrity that rises far above industry expectations.”

All Gary Pools come with a Lifetime & transferrable structural warranty, which includes two years of their platinum, bumper to bumper coverage and three free service calls are included as well. According to Pete, “The Gary Pools Structural Schedule is renowned for its excellent structural integrity. In 1961, Leif Zars designed a monolithic wall-to-walk cantilever structure, specifically designed to solve problems created by Texas’ expansive soil conditions. Industry first patents and major innovations are what allow us to give our customers the Lifetime Structural Warranty.”

continued on page 18

Leif

& Brittany Zars and family

that every Gary Pool is built with the highest engineering standards in the industry and only the finest materials, superior equipment and patented safety features.

continued from page 17

Another feature of a Gary Pool that sets them apart is their efficiency. “We pride ourselves on being the most efficient pools on the market,” said Pete. “Our pools are specifically designed for the lowest maintenance. We also offer new technology such as Salt Chlorination and Ozone Systems, which can dramatically reduce your maintenance and chemical costs.”

A few more things that set a Gary Pool apart from the competition is their six directional jets for better circulation, plumbing around the pool, not under, 8-11” thick floor and walls, the use of Hayward equipment, they are drought friendly so you never need to backwash the filters, their standard 12v multicolor LED pool lighting, large capacity filter, the Gary Pools Deep Leaf Skimmer and Pre-Filter that holds 400% more debris and the list goes on and on!

According to Herrera, “The Gary Pools reputation and longevity alone are reason enough to have us build your swimming pool, but the fact that we do not cut corners or take chances with your pool are even bigger reasons. Risky design and build choices are sometimes hard to see, but after a few years the deficiencies start to become all too evident. Here we not only go above and beyond with our standards, but we know who is building your pool as well. We have in-house crews and dedicated, long-term subcontractors who have been working with us for years.”

ENJOY

having your imagination come to life. For backyard BBQs, quiet evenings, planned or spontaneous events, your new Gary Pool will be an Oasis for great new memories.

With over 100 employees, Gary Pools knows that focusing on employee satisfaction is essential to their success. “I absolutely love working here,” said Ashley Santos, Gary Pools Sales Coordinator. “The atmosphere here is more like a family than a business. I actually have to drive a pretty good ways to work every day, but I do it because I love my job and the people I get to work with.” Ashley says the company focuses on having regular employee events to build that comradery within the organization.

Another aspect of swimming pools that Gary pools takes seriously is safety. Each Gary Pool includes a 32” main drain with vacuum eliminator, step and bench accents and deep end exit. “As much as Gary Pools tries to build the safest swimming pool for your family, there is no substitute for the peace of mind that comes from knowing your child can swim. That is why we will assist in the cost of a pool safety course for your small children when you purchase a pool from us,” added Herrera.

In addition to new construction, Gary Pools also offers swimming pool renovation and maintenance. “We really are a full-service pool company, offering everything from building, servicing, supplies and even remodeling an existing pool to fit your needs,” said Hererra. “We want you to love your pool and we make it easy for you to enjoy your investment.”

BBM

Ashley Santos – Sales Coordinator Pete Herrera – General Manager

Gary Pools makes it easy to keep your pool in top condition.

HERFF VILLAGE TOWNHOMES

MAY 13, MAY 27

KUHLMANN-KING MUSEUM TOURS

12:00pm to 3:00pm at Kuhlmann-King Historical Complex

402 East Blanco Road – Boerne

Take a tour around the Kuhlmann-King property to step back in time.

MAY 13

BLACK RIFLE BLOCK PARTY

4:00pm to 8:00pm at E. San Antonio Ave. –Boerne

Join the team at Black Rifle Coffee Company and their neighbors for an old fashioned block party! Enjoy live music, great food and drink as well as a cool car show.

MAY 14 – MOTHER’S DAY

MAY 19

GBCC RIBBON CUTTING FOR CRESTMONT PRIVATE WEALTH

1:30pm to 2:00pm

604 S. Main – Boerne

MOVIE IN THE PARK: SONIC 2

7:00pm to 10:00pm | Main Plaza

100 North Main Street – Boerne

These free, family friendly screenings are a great time for everyone. Movies start at sundown, but come out early for some pre-movie fun starting at 7 pm. Bring your blankets, chairs, and snacks as you enjoy some free entertainment before the movie.

FAMILY NIGHT HIKE

7:45pm to 9:15pm | Cibolo Nature Center

140 City Park Road – Boerne

Join the Cibolo Center for Conservation on the trails at sunset and discover the various living organisms that call the Cibolo home. Family Night Hikes are great ways for children and families to explore the Cibolo and see what lives in the park in the dark!

MAY 22

WREATHS ACROSS AMERICA MOBILE EDUCATION EXHIBIT

10:00am to 4:00pm | Main Plaza

100 North Main Street – Boerne

The Wreaths Across America Mobile Education Exhibit is a rolling exhibition that brings the community together through interactice exhibits and short films. It tells the history of the laying of the wreaths on national cemeteries as we honor our veterans. continued on page 29

& THEIR SYMPTOMS

AArthritis is one of the most widespread health conditions in the United States. It affects about one in four adults overall. That’s over 58 million men and women. To recognize this toll on Americans’ health, CDC, the Arthritis Foundation and other partners observe Arthritis Awareness Month in May. What types of arthritis are there?*

OSTEOARTHRITIS

Osteoarthritis (OA) is the most common form of arthritis. Some people call it degenerative joint disease or “wear and tear” arthritis. It occurs most frequently in the hands, hips and knees.

With OA, the cartilage within a joint begins to break down and the underlying bone begins to change. These changes usually develop slowly and get worse over time. OA can cause pain, stiffness, and swelling. In some cases it also causes reduced function and disability; some people are no longer able to do daily tasks or work.

SIGNS AND SYMPTOMS OF OSTEOARTHRITIS INCLUDE:

• Pain or aching

• Stiffness

• Decreased range of motion (or flexibility)

• Swelling

RHEUMATOID ARTHRITIS

Rheumatoid arthritis, or RA, is an autoimmune and inflammatory disease, which means that your immune system attacks healthy cells in your body by mistake, causing inflammation (painful swelling) in the affected parts of the body.

RA mainly attacks the joints, usually many joints at once. RA commonly affects joints in

the hands, wrists, and knees. In a joint with RA, the lining of the joint becomes inflamed, causing damage to joint tissue. This tissue damage can cause long-lasting or chronic pain, unsteadiness (lack of balance), and deformity (misshapenness).

RA can also affect other tissues throughout the body and cause problems in organs such as the lungs, heart, and eyes.

SIGNS AND SYMPTOMS OF RA INCLUDE:

• Pain or aching in more than one joint

• Stiffness in more than one joint

• Tenderness and swelling in more than one joint

• The same symptoms on both sides of the body (such as in both hands or both knees)

• Weight loss

• Fever

• Fatigue or tiredness

• Weakness

FIBROMIALGIA

Fibromyalgia is a condition that causes pain all over the body (also referred to as widespread pain), sleep problems, fatigue, and often emotional and mental distress. People with fibromyalgia may be more sensitive to pain than people without fibromyalgia. This is called abnormal pain perception processing. Fibromyalgia affects about 4 million US adults, about 2% of the adult population. The cause of fibromyalgia is not known, but it can be effectively treated and managed.

THE MOST COMMON SYMPTOMS OF FIBROMYALGIA ARE:

• Pain and stiffness all over the body

• Fatigue and tiredness

• Depression and anxiety

• Sleep problems

• Problems with thinking, memory, and concentration

• Headaches, including migraines

GOUT

Gout is a common form of inflammatory arthritis that is very painful. It usually affects one joint at a time (often the big toe joint). There are times when symptoms get worse, known as flares, and times when there are no symptoms, known as remission. Repeated bouts of gout can lead to gouty arthritis, a worsening form of arthritis. There is no cure for gout, but you can effectively treat and manage the condition with medication and selfmanagement strategies.

Gout flares start suddenly and can last days or weeks. These flares are followed by long periods of remission— weeks, months, or years—without symptoms before another flare begins. Gout usually occurs in only one joint at a time. It is often found in the big toe. Along with the big toe, joints that are commonly affected are the lesser toe joints, the ankle, and the knee.

SYMPTOMS IN THE AFFECTED JOINT(S) MAY INCLUDE:

• Pain, usually intense

• Swelling

• Redness

• Heat

Lupus is a chronic, autoimmune disease that affects many different parts of the body. An autoimmune disease occurs when the body’s immune system attacks itself because it cannot tell the difference between healthy tissue and foreign invaders, such as bacteria and viruses.

Lupus symptoms can show up in many different ways and are often mistaken for symptoms of other diseases. This is why it can be hard to diagnose and is often called “the great imitator.” Lupus symptoms can range from mild to life threatening, so early diagnosis and treatment by a rheumatologist are essential. A rheumatologist is a doctor who has additional training and experience in the diagnosis and treatment of arthritis, lupus, and other diseases of the joints, muscles, and bones.

PEOPLE WITH LUPUS CAN HAVE MANY DIFFERENT SYMPTOMS, INCLUDING:

• Fatigue or extreme exhaustion no matter how much they sleep

• Muscle and joint pain or swelling

• Skin rashes (in particular a butterflyshaped face rash across the cheeks and nose)

• Fever

• Hair loss

• Recurring mouth sores

CHILDHOOD ARTHRITIS

Arthritis in children is called childhood arthritis or juvenile arthritis. The most common type of childhood arthritis is juvenile idiopathic arthritis (JIA), also known as juvenile

Childhood arthritis can cause permanent physical damage to joints. This damage can make it hard for the child to do everyday things like walking or dressing and can result in disability. Symptoms may come and go over time. There may be times when symptoms get worse, known as flares, and times when symptoms get better, known as remission.

SIGNS AND SYMPTOMS INCLUDE:

• Joint pain

• Swelling

• Fever

• Stiffness

• Fatigue (tiredness)

• Loss of appetite

• Inflammation of the eye

• Difficulty with daily living activities such as walking, dressing and playing

If you (or your child) are experiencing any of the symptoms described here, contact Orthopedic Performance Institute at (210) 545-7171 for a consultation and examination. Although arthritis cannot be reversed, it can be stopped in its tracks — allowing you to live a more healthy, active life. *Information from the CDC.

BBM

(830) 816-2288

Judy Filingeri Owner

Angela Turner Associate Broker® Carey Stewart REALTOR®

Lynelle Boyd REALTOR®

We’ve all heard that selling a home is harder this year than last. That interest rates are keeping sellers from selling and buyers from buying, but the fact is that the market continues to move along. If you’re thinking of selling and want to put a little money in your home, these features have been listed as top priorities on buyers’ lists. If you already have these features in your home, you may be able to stand out from the competition and sell quicker and for more money than you think.

W GET YOUR HOME SOLD HOME FEATURES THAT

Smart Home Features

You don’t need to run out and integrate every part of your home but having some home automation is important to several generations of buyers. Door locks, televisions, thermostats, home monitors, cameras, lights, and even appliances such as the refrigerator can now be controlled through one home automation system. If you don’t know where to start, the thermostat is a great place to begin your smart home journey.

Back Yard

Having a covered back porch and usable yard features rank very high on the list of ‘must haves’ to buyers. Many buyers are looking to use their outdoor space as an extension of their living space. Consider creating an inviting, private feel to your back yard.

Quartz Counter Tops

Quartz has become the ‘go to’ material for counter tops in the last few years and the trend is not going anywhere soon. It’s non porous, hypo allergenic properties make it easy for families. It’s variety of looks make it versatile for a wide range of homes and it remains affordable and easy to find.

Storage

Let’s face it, most of us live with more stuff than we need. Now, put multi-generations and work from home professionals in the same house and storage becomes a make or break issue. Features

like walk in pantries, custom closets and attic space have become very important to many buyers. Don’t have a ton of storage in your home? Consider a small outdoor shed or a closet company to help get you started.

Energy Efficiency

This might be terribly obvious, but energy efficiency applies to much more than just the appliances. Windows, solar panels, programmable thermostats, low-flow toilets; all of these can be important to environmentally focused buyers.

Open Floor Plan

Having a space that feels connected and inviting remains a very attractive feature to home owners. Some buyers will still consider a separate dining room or a home with a living room separate from the family room. If you have the ability to combine spaces, it’s worth considering. Open floor plans are great for entertaining and feeling connected to those living in the home. It can make your home feel larger as well.

Penguin Suits Inc. Advertising Agency Wins 15th International Award

CEO Debi Burrows Earns 2023 Hermes Creative Award

CEO of Penguin Suits Advertising Agency, Debi Burrows, earns yet another International Hermes Creative Award for creative professionals. Awarded by the Association of Marketing and Communication Professionals (AMCP), Penguin Suits Advertising Agency is recognized for their outstanding work in the industry while promoting marketing and communication. Specifically, the award is for the website design and development of LevTech’s website – www. leveltechnology.us.

As the owner, Head Storyteller, and Marketing Strategist of Penguin Suits Marketing Agency, it's no surprise that Mrs. Burrows receives another international award for her success immediately following the company’s recent 20th anniversary celebration. On April 11th, 2023, Mrs. Burrows and the Penguin Suits Team celebrated with The Greater Boerne Chamber of Commerce, and the surrounding community. “Receiving this award not even a week after celebrating the company’s 20th anniversary is great validation for my team and I,” says Mrs. Burrows. So, what’s next for Penguin Suits? Mrs. Burrows proudly announces, “We’re excited to explore commercials and even more digital media! Everything nowadays is shifting to digital, and we’re on top of it!” Stay tuned for Penguin Suits’ next inspiring endeavor in the near future!

ABOUT PENGUIN SUITS ADVERTISING AGENCY:

Penguin Suits Advertising Agency handles every aspect of business marketing, starting with the strategy, including social media, ad campaigns, websites, printed items, broadcast commercials, public relations, and even trade shows. As Your Marketing Department, Penguin Suits becomes part of your company. Working directly with the business owner, the Penguin Suits team listens to your specific goals for your company and creates an action plan to achieve those goals. The talented and innova-

tive staff are well-educated in web design, SEO, graphic design, social media management, and marketing promotions. Using their creativity and skill, the team at Penguin Suits creates compelling advertising campaigns that will influence your target audience, increase your overall brand awareness, and bottom line.

Hill Country Sitters is a small business owned by a mom with two little ones. The owner, Desirey has 10+ years of child care under her belt and knows the importances of parents getting a break. Hill Country Sitters has a team of mom’s booking your sitters, and experienced sitters waiting to serve your families needs. Whether its date night or some time away to just rest, Hill Country Sitters will be waiting for your request!

Find us on facebook and Instagram or visit our website by scanning the QR code!

NEW BRAUNFELS, BOERNE, SAN ANTONIO, TRI-COUNTY & AUSTIN

Good help is hard to find. Let us find it!

TThe Boerne Kendall County Economic Development Corporation (BKCEDC) hosted its Annual Members’ Meeting on March 29, 2023 at Tapatio Springs Hill Country Resort. Over 65 Members and guests attended the luncheon which featured Texas Workforce Commission Chairman, Bryan Daniel, as the keynote speaker.

The Boerne Kendall County Economic Development Corporation also announced its Officers of the Board of Directors for the upcoming year. Dr. Phil Hunke, of Hill Country Square will serve as Chair, Jonathan Collins

of Valcor Commercial Real Estate as the Vice Chair, Dakota Durden, of Grit Co. as Secretary, Cayman Gentry, of Frost Bank as Treasurer, and Bill Hetherington, of BEC as Immediate Past-Chair. At – Large Directors are Toni Anne Dashiell of Dashiell Properties and Ty Young of CLA.

The BKCEDC is a 501(c)(6) public, private not-for profit membership organization whose mission is “to promote business opportunities that will strengthen and grow a vibrant and diverse economic future for Kendall County.” BBM

Hill Country Barn Builders

pictured: (left to right) Ty Young, Dakota Durden, Amy Story, BKCEDC President/CEO, Toni Anne Dashiell, Dr. Phil Hunke, Cayman Gentry, Jonathan Collins

Managing Debt When Rates are Rising

Across the board, interest rates are rising. It’s a wonderful scenario for savers with Money Market Accounts and Certificates of Deposit (also known as Share Certificates.) Higher saving yields provide greater earning potential.

However, it’s an entirely different story when loan rates are rising – especially if the interest rates on your loans are variable. Sudden jumps can derail your budget instantly if you’re not prepared.

It’s crucial to manage existing debt and find ways to preserve cash when rates are rising. The best place to start is by understanding the different types of loan rates and how the economy can impact your outstanding balances.

Types of Interest Rates

Many people are surprised to learn there are two types of interest rates for loans: fixed and variable. Both come with their own pros and cons, but one presents greater financial risk during periods of rising rates.

Fixed Rates

When your loan rate is fixed, the interest rate will not change for the life of your loan. For example, most car loans have fixed rates. No matter what the economy is doing, your car payment and rate will be the same, whether it’s your first payment or your 30th.

Advantages: Fixed rates are ideal if you don’t like surprises when it comes to your money. If the economy causes interest rates to rise, it will not impact your loan.

Disadvantages: A common drawback of fixed rates is that if interest rates decline, you could be stuck paying a higher rate. If this is the case, you can always refinance your loan to take advantage of lower rates.

Variable Rates

Variable loan rates are more complex. These rates can fluctuate over time based on certain factors – most commonly because of the economy. For example, assume your variable-rate credit card currently charges 13% APR. If the Prime Rate increases by 0.5%, your new credit card rate will likely become 13.50% APR.

Lenders often use variable rates to protect themselves from market fluctuations over the long term. You’ll commonly see variable rates with ongoing loans, such as credit cards, personal lines of credit, or home equity lines of credit. Some mortgages will also fall into this category.

Advantages: Because the rates will fluctuate with the economy, if rates decline, your loan rate will likely follow suit. You don’t have to worry about refinancing your loan –you will benefit automatically.

Also, many adjustable-rate mortgages (ARMs) will offer very low introductory rates for several years before adjustments can occur. This is an excellent scenario if you don’t plan to live in the home long-term.

Disadvantages: Borrowers with variable-rate loans risk paying more as interest

rates rise. The sudden jumps in rates (and loan payments) can unexpectedly throw off your budget and cause financial challenges.

Luckily, many variable-rate loans limit how much a rate can adjust during a set period.

Managing Rising Loan Rates

Having variable-rate loans in a rising-rate environment isn’t the end of the world. While it’s never enjoyable to have loan payments suddenly increase, long-term, you could still benefit significantly with variable rates. However, if your goal is to save more in the short term and avoid paying excess interest on your current debt, the following steps will come in handy.

List All Loans

Make a list of all your current loans and credit cards. Review your statements to determine if the loans include fixed or variable rates. If unsure, a quick call to your lender will help you find out.

Detail Loan Amounts

Once you identify all your outstanding loans and credit cards, you’ll want to determine which loans have the greatest impact on your finances. Add current balances, interest rates, and monthly payments to your list.

Focus on Variable-Rate Loans

Next, begin reviewing your existing variable-rate loans. Explore today’s current fixedrate alternatives. Does it make sense to refinance your loan into a fixed-rate option?

Even if fixed-rate alternatives are a bit higher, it might be worthwhile if rates are projected to rise well into the future. Consider the following example:

Imagine you have a personal line of credit with a variable rate of 8% APR. You could switch to a fixed-rate personal loan instead that offers rates at 9% APR. Immediately, the interest rate is 1% APR higher. However, if rates continue to rise, after another year or two, the rates on the variable-rate loan might increase up to 11% APR or higher. Acting today would prevent more costly interest charges down the road.

Craft a Strategy

Refinancing your variable-rate loan into a fixed-rate alternative isn’t always possible or ideal. For example, most credit cards today offer variable rates. To offset higher interest rates, it’s wise to work on a plan to eliminate the debt quicker – ideally before the next rate

We’re Here to Help! While rising interest rates are great for savers, they can also negatively impact borrowers’ wallets. If you currently have loans with variable interest rates, we might be able to help you save money. Please bring your current loan paperwork to any of our convenient branch locations or schedule an appointment with a member of our lending team by calling 1-800-531-8456.

CALENDAR OF EVENTS | cont’d

MAY 25

GBCC BOERNE AFTER 5 MIXER: HOSTED BY TEXAS PHYSICAL THERAPY SPECIALISTS

5:00pm to 7:00pm

112 Herff Rd., Ste 310 – Boerne

MAY 27

ITALIAN MOTOR GATHERING

10:00am to 2:00pm | Main Plaza

100 North Main Street – Boerne

The Italian Motor Gathering has earned a reputation as the premier exhibition of the finest Italian motoring in the Texas Hill Country. This event is open to all Italian motoring marques and is free for spectators at the show on Saturday!

MUSIC IN THE CAVE: PROUD TO BE AN AMERICAN

7:30pm to 9:30pm

Cave Without A Name

325 Kreutzberg Road – Boerne

Allegro Stage Co. returns with a rousing program: “Proud to be an American!”

Enjoy a night of fun and fantastic singing enhanced by the incredible natural cave acoustics and nature’s beauty.

MAY 28

BOERNE CONCERT BAND: MEMORIAL DAY CONCERT

7:00pm to 8:30pm at Main Plaza

100 North Main Street – Boerne

This group of volunteer musicians is quickly becoming one of the best performing groups in central Texas. They always put on a great show when they play concerts in the park! For this concert they will be playing patriotic favorites.

MAY 29 – MEMORIAL DAY

adjustment takes place.

Start by focusing on the credit card (or other debt) with the highest interest rate. For credit cards, pay as much as you can afford monthly until the debt is eliminated. Then, move to the next highest, variable-rate card.

For non-credit card debt, such as a personal line of credit, consider the following payment strategies:

Bi-Weekly Payments

Switching to bi-weekly payments will require you to make half your regular pay-

c. 719.650.7012 mark@legacybrokergroup.com

c. 210.383.0007 charlie@legacybrokergroup.com

ment every other week. Since there are 26 bi-weekly payments in a year, you end up making one extra full payment per year.

Make an Extra Payment: If your loan allows prepayments, consider making one additional payment per year (toward the principal portion of your loan). This tactic will reduce the interest you pay and eliminate your debt quicker.

TIP: Using your tax refund is a great strategy.

Round Up Your Payments

Consider rounding up your payment to the nearest $50 or $100. If your monthly payment is $215, try to pay $250 or $300 monthly (with the extra going toward your loan’s principal balance).

Avoid New Debt

When loan rates are increasing, it’s wise to limit taking on new debt or adding to credit cards – unless necessary. Holding off on any major purchases could benefit you if rates shift and suddenly begin to decline.

MARK BUKOWSKI Director of Land and Ranch Partner

CHARLIE RIDDLE Director of Commercial Real Estate Partner

Greater Boerne ChamBer of CommerCe april uttinGs

Perspire Sauna Studio Dominion is combining the centuriesold practice of sauna with the modern science of infrared technology and red light therapy to transform your health and wellness! These sauna sessions will help to detox the body, burn calories, enhance immunity, improve sleep and more! They also offer a wellness program, IRx, which provides custom recommendations, expert advice and guidance tailored specifically to you. To learn more, become a member, or book a session, go to perspiresaunastudio. com/tx/dominion, call (210) 764-5187 or stop by and check-it out in person at 21803 W IH-10, Ste. 108 in San Antonio. Congrats, Perspire Sauna Studio!

Speech Pathways Therapy Center was started as an opportunity to provide children and their families a more comprehensive, individualized, and collaborative approach to the evaluation and intervention of speech, language, and feeding disorders. They are currently offering a free consultation to establish if their services are right for your child. To learn more about what they offer, or to get in contact with them, go to speechpathwaystherapy.com, call (830) 331-4128 or visit them at their office located at 136 Old San Antonio Rd., Suite 104 in Boerne. Congrats, Speech Pathways Therapy Center!

Bending Branch Winery brings some Kentucky Bourbon Country heritage to Comfort as they announce the launch of two new bourbon brands, Bending Branch 1840 and ChickenDuck Bourbon. Four brand new bourbon products are now available for purchase at the Bending Branch estate tasting room. Also stop by any day for a tasting flight! To learn more about one of the most popular spots in Comfort, go to bendingbranch.com or stop by today at 142 Lindner Branch Trl in Comfort, TX. Congrats on this huge new addition, Bending Branch Winery!

Imperial Blasters and Designs is a local Boerne business that uses their 30W fiber laser and CO2 Razor 3 Industrial laser to custom engrave just about anything you can think of! From guns to wine glasses, they really can customize anything.They also offer gun repair, cerakoting, restoration, customization and more. If you’d like to learn more, or check out their gallery, go to imperialblastersllc.com, or give them a call at (210) 627-4422.

Twinkle Toes Nanny Agency is San Antonio’s only pediatrician recommended nanny agency! At Twinkle Toes, you never pay a placement or membership fee, there’s no app to download, and all their nannies are CPR certified, screened far beyond industry standards, and you only pay for the time you use the service. They take time to get to know your family, so that they choose the right nanny for you. To see Twinkle Toes Nanny Agency services, price list and more, go to twinkletoesnanny.com/san-antonionorthwest or call them at (210) 990.5896!

Hummingbird Assisted Living and Memory Care is a familyowned and operated, boutique, residential assisted living and memory care home in Boerne,TX.Their focus is on providing our seniors with a true private residential experience that can be a real home but that also meets their needs in the twilight of their lives. With 16 beds/16 baths, a serene décor characterized by natural light, an in-house chef for curated meals, and a low resident-to-caretaker ratio, they aim to provide the best experience for our community’s parents and grandparents.You’re welcome to call the staff at Hummingbird Assisted Living and Memory Care at (830) 532-7004 or go to thehummingbirdassistedliving.com/ for more information.

Penguin Suits is a local award-wining, client centered, marketing and advertising agency. They are best known for taking the complex marketing tasks out of your company so you can focus on what matters most! Their professionals will flawlessly develop and manage your custom marketing plan, strategically developed to grow your business.They develop a plan that includes website development, SEO, brochures, logo creation, branded landing pages, social media profiles, and more! To learn more about their company, go to penguinsuits.com, give them a call at (830) 816-8238 or stop by and visit them at 106 Austin Dr. S. Boerne, TX 78006. Congrats on 20 amazing years, Penguin Suits!!!

Mike’s Vapor Shop is a small, privately owned and operated retail shop that carries vape products, Delta 8 and 9 products, Hemp products, accessories and more! With a wide, always updating selection, they’re sure they can help you find what you need. They carry everything you need from the first time beginner to the advanced, and they’ll show you how to work everything properly and safely. Be sure to stop by and visit them at 1433 S. Main St. Ste 103 in Boerne or give them a call at (830) 331-1200 with any questions. Congrats, Mike’s Vapor Shop!

Joli Boutique’s New Location was celebreated with a ribbon cutting ceremony this afternoon! Joli Boutique provides a variety of unique apparel and accessories to Boerne! They take pride in the quality of their lines, with most being made right here in the USA or in Canada. Apparel and jewelry in the store is selected based on their appeal to all ages and shapes. They have a passion for serving others and helping customer “dress their confidence”. The Joli philosophy is that every lady should be uniquely beautiful! Stop by and shop around their new store located at 136 S. Main St. in Boerne or visit their website at shopjoliboutique.com. Joli Boutique will be open tonight between 5-9pm for Diva Night and would love to see you!

OsteoStrong is a membership-based Integrative Health and Wellness Center with a focus on Musculoskeletal Strengthening. Specifically, OsteoStrong increases bone density, improves balance and posture, and makes you stronger. If you’re looking for an ALL-NATURAL way to: increase bone density, improve posture, improve balance, increase strength, eliminate joint and back pain, and lower A1C levels, please give OsteoStrong a call at (210) 5072222 or go to osteostrong.me to learn more. OsteoStrong is located at 923 North Loop 1604 East, Ste 108 in San Antonio.

Cibolo Center for Conservation’s 35th Earth Day Birthday was celebrated with a ribbon cutting ceremony! The Cibolo Center for Conservation transforms lives through the love of nature, welcoming guests into a beautiful natural Hill country setting for nature education, enriching community experiences, and environmental research in action. What was once a small grassroots organization, today is a reputable conservation leader serving more than 100,000 children, adults, and families per year! To learn more about their mission, see upcoming events and more, go to www. cibolo.org!

Congrats on 23 years, Heritage Place! Heritage Place of Boerne gives you the care you need in the vibrant lifestyle you deserve. They offer medical services tailored to you, weekly housekeeping and linen services, on-site Ageility gym and speech, physical and occupational therapy, and more! To learn more about their services, go to fivestarseniorliving. com/communities/tx/boerne/heritage-place-of-boerne or give them a call at (830) 249-9817. Heritage Place of Boerne is located at 120 Crosspoint Drive in Boerne.

God and Our Dogs is a Radio Show on Boerne Radio 103.9FM on Saturday at 9AM hosted by Meg Grier. The show is also available on all your favorite podcast sites. They entertain and inspire listeners with their guests’ dog and God stories. Their vision on the God & Our Dogs Show is discovering a new perspective and rely on God the way our dogs rely on us. She shares a thought to Pawnder each Thursday morning at 7:45 and 8:45 on Boerne Radio 103.9FM and the Boerne Radio App and Website. Each Thought to Pawnder includes one of her dog stories, a scripture, and a devotional question to PAWNDER. Listeners can subscribe to receive a written copy of the God and Our Dogs weekly Thought to PAWNDER by going to godandourdogs.com/wanna-treat!

When it comes to providing legal services you can trust, the Boerne Attorney, Bob Ogle is the best-of-the-best. Bob Ogle confidently guides his clients through the legal system and brings order to chaos. Bob Ogle recently opened his brand-new firm this month, Ogle Legal Team. The Ogle Legal Team handles Law Services in Probate, Litigation, Family, Estate Planning, and Mediation. The Ogle Legal Team provides clients with confidence as the team handles each case with excellence and compassion. The Ogle Legal Team strives to empower you to seek your legal rights.

The addition of the Family Place Libraries Program at the Patrick Heath Public Library was celebrated with a special ribbon cutting ceremony! The overall goal of Family Place Libraries is to develop and institutionalize a family friendly environment by transforming libraries into community centers for literacy, early childhood development, parent education and engagement, family support and community information. Interested in learning more about this Family Place Libraries Program? Go to ci.boerne.tx.us/197/Library, call (830) 249-3053 or stop by in person at 451 N. Main St. Bldg 100 Boerne, TX 78006.

Tootie Pie Co. offers handcrafted pies created with the finest ingredients that will give you a smile as big as Texas! Pie is their name, but they also offer cakes and savory products, with some having a low sugar option. Now open 7 days a week, and conveniently located right on Main Street, Tootie Pie should be your next stop for family gatherings, a special day at the office, or just a sweet treat! Be sure to follow them on all social medias to see specials and new products, head over to their website at www.tootiepieco.com to see the full menu, or give them a call at (830) 331-7439. Tootie Pie is located at 1445 S. Main St. Ste. 120 in Boerne. Congrats on 2 sweet years, Tootie Pie!

The Boerne Chapter of the Native Plant Society of Texas aims to promote research, conservation and utilization of native plants and plant habitats of Texas through education, outreach, and example. They have monthly meetings that are open to public, where you can learn more about their mission! This ribbon cutting ceremony was celebrating their Spring plant sale, taking place that weekend at the Teaching Barn at Herff Farm! To learn more about the society, visit their website npsot.org/wp/boerne or stop by and visit them this weekend at the Herff Farm Plant Sale located at 33 Herff Road in Boerne!

Long time Boerne resident, Bob Ogle has been practicing law in the Texas Hill Country for more than three decades – initially opening his law office in Boerne, Texas in 1989. Officially named five times as Boerne’s Best Attorney by the readers of the Boerne Star, Bob Ogle proudly owns the title and serves it well. Bob Ogle is also a former President of the Boerne Chamber of Commerce, founder of the Kendall County Bar Association, and Boerne Independent School District Board of Trustees. Bob Ogle is a strong advocate and protector of peace.

Mr. Ogle loves the vastly growing community and looks forward to the bright future his new firm holds. Ogle Law Firm, PLLC is located on the second floor of the Jefferson Bank building off Main Street in Boerne. Go visit 371 N Main St, Suite 202, Boerne, Texas 78006 or call them (830) 249-9358 today for legal expertise you can trust!

The Boerne Attorney has a New Office!