New Braunfels Herald Zeitung, September 6, 1987, Page 6

New Braunfels Herald Zeitung

September 06, 1987

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Issue date: Sunday, September 6, 1987

Pages available: 60

Previous edition: Friday, September 4, 1987

Next edition: Tuesday, September 8, 1987

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Publication name: New Braunfels Herald Zeitung

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New Braunfels Herald Zeitung (Newspaper) - September 6, 1987, New Braunfels, Texas Commerce & Industry Page6A    Herald-Ze/fung.    New    Braunfels.    Texas      ''     I____Kirkwood Manor is about to set new example in nursing homes In approximately two months, New Braunfels residents will see a “new wave” in the look of nursing homes and it won t just be the red-brick exterior Kirkwood Manor, a 120-bed nursing home and retirement center is ex peeted to open in November at the intersection of North Walnut and Loop 337 The home will be certified for both skilled ta high degree of nursing care) and intermediate care and will participate in both Medicare and Medicaid programs. But that’s not what is so distinctive about Kirkwood Manor What sets it apart from the picture most people have of a “dreary” place for the elderly are the furnishings and some of its operations Four one-bedroom private guest rooms will be carpeted and will have private showers in addition to the regular bathroom facilities, the halls in the dining room will he carpeted and each of the other semi private rooms will have individual heating and air conditioning units and private baths There are limitations, but residents will have somewhat of a choice on the type ot wallpaper they have in the rooms, the entire facility will be wallpapered with different styles throughout the building The furniture will be upholstered and the main lobby will be trimmed in oak and will have the popular “country look.” Along with a beauty salon and barber shop. Kirkwood Manor will of for a gift shop old fashioned ice cream parlor, a private dining room separate from the large dining room, two living rooms, a recreation room, a combination recreation and fellowship room, and an activities room. Outside, residents can view or walk into two enclosed courtyards or can walk to a gazebo on the landscaped grounds and look at the rose garden A greenhouse, working fountain and tables with umbrellas will add to the outside decor “The entire facility will be highly appointed,” said Lisa Harbor, with Primera Investment Co , owners of the facility Kirkwood Manor will be managed by Centex Management “One thing people always want to know is. ‘Is your food good'’’," Harbor said “One thing we will have is selective menus and the dining room will have restaurant-stvie service. the tables w ill be pre set “We want to have a home-type environment and get the families involved.” she said “That s so important. I think, to stress family involvement.” \nd the director, who has already been hired, agrees ‘ That’s one of my things,” said New Braunfels resi dent Dorothy Dunbar “Having a lot of family involvement in this facility is very important this is their home ” Dunbar, who will begin her new job in October, has lived in New Braunfels since 1976 Kleven years ago, she began working as a parttime bookkeeper for a loc al nursing home Six years later she went to work for a San Antonio facility and just last September, opened a new home in that city But the commuting was becoming just about unbearable for the woman See MANOR Page 7A Kirwood Manor is expected to be completed *n November Petroleum engineering grads snatched up in hiring spike HOUSTON’ (AP) - The oilpatch downturn had Leslie McKinzey. a petroleum engineering major, looking to banking, teaching or selling life insurance But within IO days of getting her undergraduate degree in May she landed a job w ith a Houston engineer ing firm, one of many graduate'-swept up in what university officials call a last-minute hiring surge “Activity is up and they oil industry companies* are restaffing. said Gary Pope*, chairman of the department of Petroleum Engineer tng Department of the University of Texas at Austin “The psychology and the optimism is vastly improved over one year ago ” This year. more than half of the petroleum engineering graduates entering the job market from bettei known institutions found jobs com pared to as few as 2U percent in the past two years The recent increase in hiring came as good news for Ms McKinzey and others, who saw oil prices fall to below $10 last year as they studied for four-year degrees they weren't sure thev could ever use We were all very depressed mu* said “Friends of mine were fixing to graduate and prices were dropping and people were getting bad callbacks (no offers Like many others. M> McKinzey entered the petroleum engineering department during the oil boom figuring stable high prices would en sure her of a bright future in a vital industry But beginning her job search a year before graduation from Texas M University, she found the few companies hiring petroleum engineering graduates were taking only the best students After considering job'- outside hor chosen field during her senior veal she landed a post in late May with Bishop Pipeline Corp a Houston based natural private ga> rn trketing comp a n y S h e ti a s ieee rn e philosophical about the roller coaster ride from enthusiasm to uncertainty It s humbled a lot of people Tt on took it for granted they would ge' a degree and not have lo look for a jot) ' she said But this w ill make better employ ees out of us During the boom years many graduates received two or three job offers, educators say While the current upturn is nowhere near the hal cyon days of yesteryear, things are better than they were most agree Neal Bonds Dallas-based recruiting manager for Atlantic Richfield Co , said the company has hired IO petroleum engineering graduates so far this year, compared to none last year We have a significantly greater recruiting effort uniter way,’ Bonds "aid “It s good news for graduates After oil prices declined thousands of workers were laid off throughout the domestic oil industry among them jretroleurn engineers who deter mine how to drill holes where geologists believe oil and gas deposits lie Late this spring oil prices climbed above $20 per barrel for the first time iii IX months and oil industry of floats said stable prices at that lese! or higher were likely to encourage exploration and production of domestic reset s es Business BriefsB&PW to meet Sept. 9 The New Braunfels Bosun and Professional Warner s Club will meet Sept 9 in the Comal Boom at Holiday Inn .it 7pmKrueqer to speak at CBMC luncheon Jack Krueger president os Krueger Ches rolet Mazda »’n will be the guest speaker at the Sept 8 luncheon meeting of the Christian Busine'" Men s t uni mittee at Holiday Inn Krueger was t>orn in San An ton lo and reared in New Bruantels He attended rex as AAM University and ret *i\ •-.! a degree in business ad ministration He has N*eti in the automobile business in New Braunfels since I'M. and is past president of die New Braunfels Jaycees th* Lion s Club and the Chamber of t mn merer He ha* sen et I on the board of directors of tin l'exas Automobile Dealers Assoc la turn Krueget and his wife Nan* v have five children Call Bill Fills at *25 1>< or (ills Dugger aly *.2-> 47, tm mere information or to make reservations The Christian Business Men s Committee an inter denominational group of men from many dun < ties Menders are urged to br mg a gui'stMoeller promoted at Sequin Savmqs John Dalton president anti chairman of Seguin Saving announces die promotion of I debbie Moeller to operation* manager and assistant vice president at Seguin Savings Association biune oil ice at lie N Camp St Seguin Moeller ha* been w tdi s« gum Savings for tun years Her hu> band Mark is manager of W K kes I (lintier Co in Seguin Consumer markets qrowmq in Texas Die growth of regional eon -miner markets in Texas is opening flu* doors to manufa* luring concerns sass a com Wimer product* Mott pi.." Texas even smaller * rn urn ties have ready u a* to tar ie*- consumer pre markets saidStebbm Outlook briqht tor small businesses small businesses tx vive an unusually strong cc or* are more optimistic than have been sin* e ear tv IV cording lo the -avond qi. economic >urvey rclc.isei dan by tta- National i ode:. of Independent Bu*; Manufacturing conium* grow and die New t rig region sustained its boom Financial Focus Life insurance — understanding the cost B y E D JONES & CO. 1000 N Walnut Suite E Selecting the proper life insurance should be an important decision in financial planning The key is to choose a policy which fits your needs and w hich doesn t cost too much The three basic types of life in suranee term, whole and endow merit are otfered by all insurance companies but the benefits and costs 01 these policies vary from company to company Once you’ve decided how much and what kind of in suranee you need look for a good buy The National Association of In su ranee Commissioners, an assoc la Hon of state insurance regulatory of finals offers a life insurance buyer's guide to help select the proper in surance and to assist the investor in determining the best cost "Cost ” as defined by NAK’, is the difference between what you pay and what you get back For example, in term insurance, the cost of the policy is the premium since there s no cash build up You pay only for the cost of death protection If a part of your premium goes to a cash value which you could get back at a later date, the cost is less than the premium since some of that premium will eventually Ire returned to you Policies that pay a dividend are called participating ” The dividend is paid from company profits so it s not guaranteed Because of this there s no way to accurately project cost since dividends are set each year The premium on participating pol ides is generally higher than on a non participating, and the actual cost depends on how much, if any, divi dcnd is paid. Policies which pay no dividends are called “guaranteed cost” or “nonparticipating You can determine in advance exactly what the cost of your policy will tx* since it doesn’t change To determine yoni policy cost all three factors premium cash valut and dividend ale considered I* assist you in this and tx** uum premiums are paid at litterer times, insurance companies can pi » vide a cost index it the cash v aine o your policy is of primary in. portance. the Life Insurance Sui render Ccid Index should be used This index compares cost', if yot plan to surrender your policy at son.' future date and take the cash vaue On the other hand it death benefit are your concern the List Insurant Net Payment Cost Index is mos useful Life insurance is an investment you should study ami understand betore you buy lhe l>etiefit* and premiums must meet your needs and ability to pay Frequent changes of insurance can tx* cost Iv va buv with Care arui plan to hold you yours to come hor a free copy of ti surance Buyer s Guide *' Financial Services 400 I Moines I A Vi (oh e Life In rite X en * [Rust In* NAK' suggests when using either index generally look for the policy with the smaller index number However, they are quick to point out that cost shouldn't be the only deter mining factor When using the in dexes be fair and follow definite rules Compare similar policies offering basically the same benefits and dura Hon of premium payments Compare indexes for your age and amount of insurance you intend to buy. Com panies that may fie very competitive at younger ages may vary widely a* agt* and amount of insurance in creases Selection should not Ik* made on small index differences When til. numbers are close, focus on the com pany, the agent who will service your policy, and the benelits as they relate to your needs Regardless of the in dex numbers, tK* sure you can afford the premium and understand the death benef its and cash values Life insurance cost indexes apply only to new policies and should not Ik* a deciding factor to surrender an ex (sting polity In the case of insurance replacement, fie certain you fully understand what you’re giving up what will replace it, and if you’re still insurable Ralph C. Vorhis is concerned about your financial future • Money A< cumulation Plans •lax Shelters •Mutual Funds •L de Insurance •Computerized Financial Planning Programs •Keogh IRA Plans •Money Market invest merits •Pension Plans • Real Estate Commodities Investment Programs 9.02% \ 8.40% 7.65% v / 1 826 0685 (S.A.) or 735-6847 (Collect) ComFund '87 is underway and you can make the difference by giving your fair share when the campaign reaches your home or office Thanks to you, things just get hefter HI AM .IOC* MI ***** 10.125% ti:#*## «n» A *•**# Cm§ • • • federal regulations require a substantial mterrst penalty tor tarty Wit Mr awl SKH KS BONDS SU ll Af FUNDS INSU* AM I annum ms Stan Cunningham 1000 N. Walnut Suite F New Braunfels^ Tx. 78130 629-0055 ES Edward I), .lone* & ( o. Knibbe Financial... N#«#ll S. Vie* President •Stocks •Bonds •Premier Low Load Mutual Funds •Pension Plan Specialist    *,.'« •Individual Investment Accounts. Managed by a prestigious money man-    < agement firm Ranked in    L?!!TV. the top 4%. Founded in im Knibbe Financial Group* Inc. 755 Loop 337 Suite I) New Braunfels. Tx. 78130 (512) 625-5208 ... Where There is never a Bad Time to Make a Good Investment. ;

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