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New Braunfels Herald Zeitung Newspaper Archive: April 24, 1996 - Page 22

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Publication: New Braunfels Herald Zeitung

Location: New Braunfels, Texas

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   New Braunfels Herald-Zeitung (Newspaper) - April 24, 1996, New Braunfels, Texas                                Whfere the New Braunfels Professional Community answers commonly asked questions about topics of interest to HeraldZeitung readers UESTION C does it all mean N Cholesterol and Triglycerides what Stu HiBdiby MJ 1S9E Austin StelM and tests to make tutthe people cap easil in the diet macin i ont get enough nT mo to lower thenHan and not causing other reveryone i and not some people This is a hard question us Is where ttie doctor who knows the patient mis so understand please that your doctor mis problem than can ever be put in an article though are the lower thebetter if it canbe ping more aggressive in those people at higher isties of bTooi vesel bloce disease to these i le ratio of in bprd to the we want to neglect i or irtt helpfyl and seem mysterious but are just ofthe proteins that carry these in tightly release themeasily to build uo a ir now much of the wotems theynave tfytf dont hold ing it easier for the Tats to f alls stbut this is all we can deal with here Fqr more Kut how this relates to you pi onto more please discuss it JUESTION Is it more advantageous to rent equipment than it is to buy it ANSWER To find the answer to this question youll have to weigh the advantages of renting versus the advantages of owning For business or professional use the rental charges are deductible expenses for income tax purposes Other factors to consider are PaymentsYou only pay for the use of equipment when you rent it or you have a v Byron Heiiel large payment wheri you buy it whether you use it or not StorageDo you have the facilities to properly store the equipment when it is not in use or will you have to get a new storage building VieWill the equipment be used often enough to justify the purchase RepairsHow will the equipment be maintained or repaired ReliabilityUnless equipment is properly prepared for storage seldomused equipment can rust corrode or deteriorate and fail to 1 perform as designed I QualityRental equipment is normally professional quality It costs I a little more but its worth it 1 CorrectThe correct tool makes most tasks relatively easy We dont haye every tool or piece of equipment for every job but we are consistently adding new equipment in an attempt io meet our customersneeds Heisels Rent All A complete selection of rental equipment 243 TVade Dr 6251681 Last month I answered the very important gives the diamond Its I what we call the 4 cs color clarity cut and I carat weight There is one more c it is GbNFIDENCE in your jeweler Itye at Jewelry Eccentrics Inc are not just a Ijeweiry store We are a family business with 129 years experience The jewelry business is a I professional business and it takes years Ipf experience and education We help you I make a very personaland wise decision We I located next HaegUns 6299124 Jewelry Appraisals Strin iwpf jewelry frse of dMrgr Jf 167D S Segwin AYS Brawnfete Roy H Crenwelge Owner Remember Preventative Maintenance Saves You Green Money that is looking for wet spots green grass dripping faucets running all adds up little by little Plumbing maintenance is not just looking out for water the vents piping systems under sinks supplies and even roots that get into Sights unseen sometimes can be costly if youre not aware of them Roots can sometimes be the cause of slow drains or repeated clogged lines that seem to come and go If this is your case running a sewer machine through your lines to cut roots out always helps after doing these get some copper sulfite to control roots Sometimes your pipes could have backfall which means water is having to flow uphill in some places Looking into the cleanouts in ydur yard to see if there is water standing in your pipes Water should not stand in your pipes at all Normally this is caused by stopped up or partially stopped up lines or back fall Getting your sewer lines cleaned out with a big sewer machine will help these problems It will not always solve the problem it will however help determine the next course to take if any is needed If any more work is needed it normally means digging your line up and repairing it in the ground Crenwelge Plumbing Service 999EikelSt 6255479 UpnOfltctr Question What should I be aware of when shopping for a mortgage loan Answer There is a great deal more to shopping for a home mortgage than just interest rates or down payment requirements Keep your costs down and get the best loan by using these tips to get the RIGHT MORTGAGE at the RIGHT PRICE 1 Ask for a detailed breakdown of all closing costs and fees 2 Ask for information eligibility requirements and cost comparisons pf conventional PHA and VA loan programs 3 Ask for a lower interest rate if your loan is less than 30 years 4 Ask about the advantages of a larger down payment 5 Ask how long the lender will hold the quoted interest rate and if there is a Charge to hold Ihe rate 6 Ask if the loan officer is a mortgage banker or broker 7 if the lender will service your loan I if alternative financing is available for selfemployed borrowers Getting answers when shopping for a mortgage loan will help you save money You should feel comfortable your loan officer is listening to you understanding your needs and working to help you Loan Officer UNIVERSAL MORTQAGE CORPORATION providing you The RIGHT MORTGAGE at the RIGHT PRICE Toll Free 18003953841 Linda Afesmder Century 21 Action Realty Broker AnoclMe Years Experience 6258061 What can I do as a seller to gain advantage over other homes for sale When you are ready to put your home on the market you want to have everything inside and outside as neat clean and orderly as possible Remember that the first impression of a home is just as strong as the first impression of a person IF you follow these simple guidelines youll have an advantage over allyour competition currently on the market 1 Clear all unnecessary objects from furniture throughout 2 Clear all unnecessary objects form kitchen countertops 3 Remove all unnecessary items from the bathroom counters tubs shower stalls and commode tops 4 Rearrange or move furniture if rooms appear crowded 5 Clean carpet drapes curtains and windows 6 Paint any rooms that appear dingy or spotted 7 Replace small wattage light bulbs in fixtures with high wattage bulbs for a bright cheery feeling 8 Clean exterior areas of all cobwebs dirt and nests of any kind 9 Prune all bushes and trees keep grass trimmed and watered 10 Check your front door and trim for cracks or paint peeling 11 Clear patios and decks of toys trash etc 12 Move trash cans building materials etc into garage In general try to look at your house as a product and through the buyers eyes as though youve never seen it or been there before Time and money spent on these items will bring you more money in return and hopefully result in a faster sale CALL LINDA NOW TO MEET ALL YOUR REAL ESTATE NEEDS M Davis QUESTION As a woman what should I be doing to prepare for my financial needs ANSWER According to According to Census Bureau figures and studies the latest financial readout on American women is a bit frightening We outlive men by an average of 7 years and 9 out of 10 of us will be responsible for making bur own investment decisions at some point Within the average household today only 12 of us say we are responsible for making investment decisions even though we are responsible for household budgets and major purchases average income drops 37 after divorce or separation Only 29 of women in private sector jobs participate in as pension plan Women who retire at 65 will have on average less than onethird the income needed to retire comfortably Single women will have less than one fourth the income needed I can help you find the tools to address your concerns and to help build your financial CAROLA FERGUSONHERMES INSURANCE AGENCY INC San Antonio Street 6254500 Registered Reprejentalive ProEquilies Box SIB Birmingham AL FergusonHermei hjiunuice Agency Inc ii not affiliated with ProEquities Inc te Lindley Company General Contractor I INQUIRY If we invest money and time in an addition remodeling of our home how can we be assured of an j I acceptable return on our investment I ANSWER No one can guarantee the future If you are I considering remodeling or addingon you would apparently I rather stay in your home at least for the next few years The I main questions should be jhe finished job going to I improve your lifestyle continue living at your I present address Are you going to look forward to coming 1 home to your family entertaining guestt Are you going to iwent making the increased mortgage payments or write I the check with a smile thankful for the improvement to your home and daily life I There have been ttudies made by the National Association of the Remodeling Industry I weU I remodeling jobs Some often reflect a higher return than For example I remodeling or upgrading a kitchen or bjUhroom versus inrtalling a iwimming pool A pool lives one of tneVowt retumi an7w The kitchen Of a much I smaUw return but in general job UrtU below I If you warn a shorMeim mow defined indication of the return on your invettment buy I and bonds You may pot like the answer but at least you wont be wondering about I appreciation depreciation etc I Before making your ftaaj decittion ask Will the change accomplish what we want for the family or should we decide to look for anofoei home to your decision making process be I sure to consider all you like about your present location schools friends family moving I costs to work church shopping entertainment sporting activities etc Once the 1 Involves licensed contraetoror two or three It is their job to sell you on a need you already I Use them to which w best rempdel or move has my experience I when I go on a remodeling bid only a small percentage of people want to move They live I where they are because they like there more than somewhere else A remodeling coiitractor I can assist in making better something in that house needs clpiging thereby inoreasing r comfort level of living JeffLlndley a   

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