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New Braunfels Herald-Zeitung (Newspaper) - September 6, 1987, New Braunfels, Texas Commerce Industry 1987 Kirkwood Manor is about to set new example in nursing homes In approximately two New Braunfels residents will see a new wave in the look of nursing homes and it wont just be the redbrick ex Kirkwood a 120bed nursing home and retirement is ex pected to open in November at the in tersection of North Walnut and Loop The home will be certified for both skilled a high degree of nursing care and intermediate care and will participate in both Medicare and Medicaid But thats not what is so distinctive about Kirkwood What sets it apart from the picture most people have of a dreary place for the elderly are the furnishings and some of its Four onebedroom private guest rooms will be carpeted and will have private showers in addition to the regular bathroom the halls in the dining room will be carpeted and each of the other semiprivate rooms will have individual heating and air conditioning units and private There are but residents will have somewhat of a choice on the type of wallpaper they have in the the entire facility will be wallpapered with different styles throughout the The furniture will be upholstered and the main lobby will be trimmed in oak and will have the popular country Along with a beauty salon and barber Kirkwood Manor will of fer a gift old fashioned ice cream a private dining room separate from the large dining two living a recreation a combination recreation and fellowship and an activities residents can view or walk into two enclosed courtyards or can walk to a gazebo on the landscaped grounds and look at the rose A working fountain and tables with umbrellas will add to the outside The entire facility will be highly said Lisa with Primera Investment owners of the Kirkwood Manor will be managed by Centex One thing people always want to know Is your food Harber One thing we will have is selective menus and the dining room will have restaurantstyle ser the tables will be We want to have a hometype en vironment and get the families in she Thats so impor I to stress family involve And the who has already been Thats one of my said New Braunfels resi dent Dorothy Having a lot of family involvement in this facility is very important this is their who will begin her new job in has lived in New Braunfels since Eleven years she began working as a parttime bookkeeper for a local nursing Six years she went to work for a San Antonio facility and just last opened a new home in that But the commuting was becoming just about unbearable for the See Page 7A Petroleum engineering grads snatched up in hiring spike Kirwood Manor is expected to be completed in HOUSTON AP The oilpatch downturn had Leslie a petroleum engineering look ing to teaching or selling life But within 10 days of getting her undergraduate degree in she landed a job with a Houston engineer ing one of many graduates swept up in what university officials call a lastminute hiring Activity is up and they oil in dustry companies are said Gary chairman of the department of Petroleum Engineer ing Department of the University of Texas at The psychology and the optimism is vastly improved over one year This more than half of the petroleum engineering graduates entering the job market from better known institutions found com pared to as few as 20 percent in the past two The recent increase in hiring came as good news for McKinzey and who saw oil prices fall to below S10 last year as they studied for fouryear degrees they werent sure they could ever We were all very she Friends of mine were fixing to graduate and prices were dropping and people were getting bad callbacks Like many McKinzey entered the petroleum engineering department during the oil figuring stable high prices would en sure her of a bright future in a vital But beginning her job search a year before graduation from Texas she found the few companies hiring petroleum engineering graduates were taking only the best After considering jobs outside her chosen field during her senior she landed a post in late Maywith Bishop Pipeline a Houston based natural private gas marketing She has become philosophical about the roller coaster ride from enthusiasm to Its humbled a lot of They took it for granted they would got a degree and not have to look for a she iButi this will make better employees out of During the boom many graduates received two or three job educators While the cur rent upturn is nowhere near the hal cyon days of things are better than they most Neal Dallasbased recruiting manager for Atlantic Richfield said the company has hired 10 petroleum engineering graduates so far this compared to none last We have a significantly greater recruiting effort under Bondy Its good news for After oil prices thousands of workers were laid off throughout the domestic oil among them petroleum engineers who deter mine how to drill holes where geologists believe oil and gas deposits Late this oil prices climbed above per barrel for the first time in 18 and oil industry of ficials said stable prices at that level or higher were likely to encourage exploration and production of domestic Business Briefs 9 The New Braunfels Business and Professional Womens Club will meet 9 in the Comal Room at Holiday Inn at Krueger to speak atCBMC luncheon Jack president of Krueger will be the guest speaker at Hie 8 luncheon meeting of the Christian Business Mens Com mittee at Holiday Krueger was born In San An tonio and reared in New He attended Texas University and received a degree in business ad He has been in the automobile business in New Braunfels since UHH and is past president of the New Braunfels the Lions Club and the Chamber of Com He has served on the board of directors of the Texas Automobile Dealers Associa Krueger and his wile Nancy have five Call Bill Ellis at 62517 or Gus Dugger aty 6254780 or more Information or to make The Christian Business Mens Committee is an Interdemominational group of men from many chin Members are urged to br ing a Moeller promoted at Seguin Savings John president and chairman of Seguin announces the promotion o Debbie Moeller to operations manager and assistant vice president at Seguin Savings Association home office al 116 N Camp Moeller has been with Sequin Savings or two years Her hus band Mark is manager of Wickes LumlHT in Seguin Consumer markets growing in Texas The growth of regional con sumer markets in Texas is opening the doors to manufac turing says a com munity development with the Texas Agricultual tension ue There an few locations in Texas dont have access to a of more than a million run sinners with a few hours said Dr On i million 1 ioiiMimers have total income in evcvss of Mllum annualh A oi this iiRoine is spent urn sumer products Most in even smaller cuni have reach u si to large consumer piiniut markets suidStebbm Outlook bright for small businesses Small UuiveJ rn an unusually strung eronoim are more optimistic have tHen since earls cording to the second economic survey to day by the National Fetlenuion of Independent BUSUKS Manufactunng continued to grow and the New Knghnvi region sustained its boom Financial Focus Life the cost By 1000 Suite F Selecting the proper life insurance should be an important decision in financial The key is to choose a policy which fits your needs and which doesnt cost too The three basic types of life in surance whole and endow ment are offered by all insurance companies but the benefits and costs 01 these policies vary from company to Once youve decided how much and what kind of in surance you look for a good The National Association of In surance an associa tion of state insurance regulatory of offers a life insurance buyers guide to help select the proper in surance and to assist the investor in determining the best as defined by is the difference between what you pay and what you get For in term the cost of the policy is the premium since theres no cash You pay only for the cost of death If a part of your premium goes to a cash value which you could get back at a later the cost is less than the premium since some of that premium will eventually be returned to Policies that pay a dividend are called The dividend is paid from company profits so its not Because of theres no way to accurately project cost since dividends are set each The premium on participating policies is generally higher than on a and the actual cost depends on how if divi dend is Policies which pay no dividends are called guaranteed cost or You can determine in advance exactly what the cost of your policy will be since it doesnt To determine your policy all three factors cash value and dividend arc To assist you in and because premiums are paid at different insurance companies can pro vide a cost If the cash value of your policy is of primary im the Life Insurance Sur render Cost Index should be This index compares costs if you plan to surrender your policy at some future date and take the cash vaue On the other if death benefits are your the List Insurance Net Payment Cost Index is most NAIC suggests when using either generally look for the policy with the smaller index they are quick to point out that cost shouldnt be the only deter mining When using the in be fair and follow definite Compare similar policies offering basically the same benefits and dura tion of premium Compare indexes for your age and amount of insurance you intend to Com panies that may be very competitive at younger ages may vary widely as age and amount of insurance in Selection should not be made on small index When the numbers are focus on the com the agent who will service your and the benefits as they relate to your Regardless of the in dex be sure you can afford the premium and understand the death benefits and cash Life insurance cost indexes apply only to new policies and should not be a deciding factor to surrender an ex isting In the case of insurance be certain you fully understand what youre giving what will replace and if youre still Life insurance is an investment you should study and understand before you benefits and premiums must meet your needs and ability to Frequent changes of insurance can be costly so buv with care and plan to hold your policv foi yours to For a free copy of the Life In surance Buyers write Xerox Financial 4oo Des Knibbe is never a Bad Time to Make a Good l SfK Low Load Mutual Funds Plan Specialist Investment Managed by a prestigious money man agement in the top Founded in Knibbe Financial Inc 755 Loop 337 Suite D New 78130 Ralph Vorhis is concerned about your financial future Accumulation Plans Shelters Funds Insurance Financial Planning Programs Plans Invest ments Plans Commodities Investment Programs 1 8260685 or ColUot ComFund 987 is and you can make the difference by giving your fair share when the campaign reaches your home or Thanks to things just get better CeiltK j 01 Depot Mt Ant MOCM K on A ilrd Cufg federal regulations require a substantial interest penally lor early withdraw iONDS MU1UAI INSURANCE ANNUITIES Stan Cunningham 1000 Walnut Suite F New 71130 1290055 K Edward Joites
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