New Braunfels Herald Zeitung, April 24, 1996, Page 22

New Braunfels Herald Zeitung

April 24, 1996

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Issue date: Wednesday, April 24, 1996

Pages available: 44

Previous edition: Tuesday, April 23, 1996

Next edition: Thursday, April 25, 1996

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Publication name: New Braunfels Herald Zeitung

Location: New Braunfels, Texas

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New Braunfels Herald Zeitung (Newspaper) - April 24, 1996, New Braunfels, Texas SBO HeraM-Zertung O Wednesday. April 24.1996Where the New Braunfels Professional Community answers commonly asked questions about topics of interest to Herald-Zeitung readers 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, you'll nave 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 crowded. LkxU Alexander Century 21 Action Realty Broker Associate 15+ Years I 625-8061 7. Replace small wattageTight bu bulbs for a bright, cheery feeling. 8. Clean exterior areas of all coon spotted. in fixtures with high wattage webs, dirt and nests of any kind. 9. Prune all bushes and trees, keep pass trimmed and watered. 10. Check your front door and trimTor cracks or paint peeling. 11. Clear patios and decks of toys, trash, etc. 12. Move trash cans, building materials etc. into garage. In general, tiy to look at your house as a product and through the buyer’s eves , as though you’ve never seen it or been there before. Time ana 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!! yr Byron Heisel QUESTION: Is it more advantageous to rent equipment than it is to buy it?    ■ ANSWER: To find the answer to this question, you’ll 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: • Payments- You only pay for the use of equipment when you rent it, or you have a large payment when you buy it, whether you use it or not. • Storage- Do 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. • Ute- Will the equipment be used often enough to justify the purchase? • Repairs- How will the equipment be maintained or repaired? • Reliability- Unless equipment is properly prepared for storage, seldom-used equipment can rust, corrode or deteriorate and fail to perform as designed. • Quality- Rental equipment is normally professional quality. It costs a little more, but it’s worth it. • Correct- The correct tool makes most tasks relatively easy. We don’t| have every tool or piece of equipment for every job, but we arc consistently adding new equipment in an attempt to meet our customers’ needs. Halsel’s Rent All “A complete selection of rental equipment** 243 IMP Center Dr. 625*1881 Remember: Preventative Maintenance Saves You Green Money, that is. looking for wet spots, green grass, dripping faucets, running toilets.lt 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 sewer lines.    Roy    h.    Crenwelge Sights unseen sometimes can be costly if    Owner you’re not aware of them. Roots can sometimes be the cause of slow drains or repeated clogged lines that seem to come and go. lf 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 your 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 999 Eikel St. 625-5479 Carafe 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 IO of us will be responsible for making our | 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 • Our 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 one-third die income needed to retire comfortably. Single women will have less than one-fourth the income needed. • 75% of all nursing home residents are women. I can help you And the took to address your concerns and to help build your financial security. CAROLA M. DAVIS FERGUSON-HERMES INSURANCE AGENCY, INC. 399 W. San Antonio Street 625-4500 Reft tiered Representative, ProSqniuet, fee.. P.O. Box 518, Birmingham, AL 35201,203-868-3288 Ferguson-Hermes Insurance Agency, fee. u not affilimed with ProEquities. fee. Gemologies! Mary feel Comaokomt Last month I answered the very important I question”what gives the diamond value?’’. It’s what we call the 4 c’s. * color, clarity, cut and carat weight. There is one more c: it is CONFIDENCE in your jeweler. We at Jewelry Eccentrics, Inc. are not just a I jewelry store. We are a family business with 129 years experience. The jewelry business is a very professional business and it takes years of experience and education. We help you make a very personal and wise decision. We |are located next to Naeglin’s Bakery. Phone 629-9124. • Fine Jewelry • Custom Designing • Silver Jewelry • Diamonds • Loose precious and semi-precious stones • Appraisals • Bead Stringing • Cleaning and inspection of jewelry free of charge • We buy geld and diamonds£7/u>. 167-D S. Seguin Ave. New Braunfels • (210)629-9124 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. I. Ask for a detailed breakdown of all closing cosh and fees. jean a KASTER    2. Ask for information, eligibility requirements, use one*    and cost comparisons. of 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 the rate. 6. Ask if the loan officer is a mortgage banker or broker. 7. Ask if the lender will service your loan 8. Adc if alternative financing is available for self-employed borrowers. Getting answers when shopping for a mortgage loan will help you rave money. You should feel comfortable your loan officer is listening to you, understanding your needs, and working to help you. JEAN E. KASTERLoan Officer UNIVERSAL MORTGAGE CORPORATION providing you The RIGHT MORTGAGE at the RIGHT PRICE ToU Free 1-800-395-3841"he Lindley CompanyMp General Contractor Iliff (210) 629-9268 | INQUIRY: lf we invest money and time rn an addition and or remodeling of our home, how can we be assured of an] acceptable return on our investment? ANSWER: No one can guarantee the future, lf you arc    ^7v K/ considering remodeling or adding-on, you would apparently rather say in your home, at least for the next few years. The It 'I V v.    1    >- main questions should be: It the finished job going to improve your lifestyle while you continue living at your present address? Are you going to look forward to coming home to your family, entertaining guests, etc? Are you going to resent making the increased mortgage payments, or write | ’ thi chack p ywjfet thwkfW for tfrn    ta    your    hisn*;    and daily life? fhtff bawn    ftnriy by    Aimcfefion of H** BfffVMMfag htggy I (HARIX as well ae other informed sources, giving statistics that reflect the returns ob ceratin remodeling jobs Some up-grades often reflect a hjrifer return than others. For frantplfj I remodeling or upgrading a stator bathroom versus installing a swimming pool A pool I gives one of the worst returns on your investment. The kitchen or bathroom hat a much I smaller return, but in gsaerai, the average return on the beat job is still below 100%. I lf you want a short-term, more defined indication of the return on your investment, buy stocks and bonds. You amy not like the answer, but at ken you won*! be wondering about I appreciation, deprcrittiMin etc.    | Before making your final decision ask yourself: Will the change accomplish what we want for I the family or should we decide to look for another home? In your decision making process, be I I sure to consider ail you like about your present location: schools, friends, fiunily, moving I coats, Semnm to work, church, shopping, entertainment, sporting activities, etc. Once the I remodeling and/or addition job is over, the changes are minimal for your fiunily. lf you move, I there will be changes for every pcraon, in every area of life. J Involve a licensed contractor-or two or three, h is their job to sell you on a need you already I possess. Use them to determine which is best • remodel or move. It has been my experience I when I go on a remodeling bid only a small percentage ofpeopk want to move. They live J I whore they are because they tike it there more than somewhere else. A remodeling contractor I I can assist in making batler something in thai house that needs changing, thereby increasing | comfort level of living ;

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