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New Braunfels Herald-Zeitung (Newspaper) - May 30, 1996, New Braunfels, Texas 16 ft O Thurtdtv Where the New Braunfels Professional Commutiity answers commonly asked questions about topics of interest to HeraldZeitung readers QUESTION Cholesterol and Trigrycerides what Haadihy some reversal of is why we toy to and not causing o ever be put in an article t though are the lower if it can more aggressive in those oeoole at stones of blood ve much treatment in s back to rs It comes neither do we want to ne helpful and seem mysl this is all we can deal with QUESTION What are the birfhstones for the 12 months of the year ANSWER January Garnet February Amethyst March Aquamarine April Diamond Emerald June Pearl or Alexandrite j JulyRuby August Peridot September Sapphire October Opal or Tourmaline November Topaz December Tuirquoise or Zircon Mary Gemological Consultant 167D S Seguin Ave New Braunfels QUESTION As a woman what should I doing to prepare for my financial needs ANSWER 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 our I own investment decisions at some point Carola M Davli 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 onethird the 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 find the tools to address your concerns and to help build your financial security CAROLA M DAVIS FERGUSONHERMES INSURANCE AGENCY INC 399 Antonio Street 6254500 Registered Representative ProEquities Box 518 Birmingham AL FergusonHermes Insurance Agency Inc it not affiliated wilh ProEquitiei Inc The Dark Side of Plumbing The dark side of plumbing can sometimes be very damp dirty work with spider webs strange looking bugs and cntters that are faster than your flashlight can move That is if ou want to crawl under your house ana inspect your plumbing from underneath your floor ff you have a and beam house and theres ample room for crawling around you can get a good look at your plumbing real fast from an up close look at whats bouse maybe copper or PVC depending f in ijonw PVC there again depeMng on You will also see gas lines if X 1 1 W ll pipe iron or PVC and c t looking under your house is looking for The Lindley Company General Contractor I INQUIRY If an owner asked for the general contractors approval to hire one of his subcontractors to perform additional work that is not included in the original contract what is the best response for bom parties ANSWER In the overall interest of both and especially to expedite completion of the job undiey and reduce confusion about who is responsible I for what it is wise for the owner not to hire any other subcontractor to be on the job site until the general contractor has I completed his portion of the construction process If the owner insist a I written agreement should be executed by all parties addressing such issues 1 work responsibilities a work schedufes 3 completion dates 4 toes for work delays 5 liabilities 6 guarantees or materials and etc The general contractor cannot prevent die ownerftonv contracting with outside contractors but experience has proven this action can lead to complications extended construction time afid increased costs QUESTION Should the contractor be expected to perform extra work for owner without a change order being signed by bom patties moif tyre QUESTION If I am buying a house why do I need to work with a realtor ANSWER Buying property in the 90s is a very involved transaction and most people are not fully aware of their options their rights in the process A knowledgeable realtor can be of tremendous value to a buyer in many ways Let me list a few here 1 Counseling to determine your true real estate heeds currently as well as in the near future 2 Define your financial ability to explain alternative methods and options that suit your needs 3 Familiarize you with all property choices that are available in your price range that meet you needs including those listed with all realtors in the area 4 Explain local procedures closing cost and contracts 5 Disclose all known material facts concerning the property 6 Assist in mortgage financing 7 Assist in preparing a purchase agreement 8 Present all offers to sellers as prescribed by law 9 Upon contractual agreement monitor all activities and deadlines throughout the closing process 10 Keep you informed through the entire purchase process Call Linda now to meet Llndu Alexander Century 21 Action Realty Broker Auoclite Yean Experience 6254061 Byron Heltel QUESTION How do I know what to rent to complete my job ANSWER Our experienced staff at Heisels Rent All will advise you of the options available Normally there are several ways to perform a task and we will recommend the easiest and least expensive way If you are not familiar with the equipment you will be using we will demonstrate and provide instructions on the operation and proper use of the equipment For any project such as cleaning lie sewer lines or the carpets washing or painting the house putting up a fence or installing tile come to Heisels Rent All for the equipment you need Heisels Rent All A complete selection of rental equipment 243 Trade Center Dr 6251681 Question Are you ready to buy a home Do you know how much home you can afford Answer If owning a home is your dream do a little homework to him that dream into reality Before shopping for that dream home find out how much home you can afford Take this quick selftest M begin making that dream come true JOB AND INCOME Have you been working continuously in the same job or career for at least two yean If retired do you have evidence of a steady source of income CREDIT HISTORY Have you established a credit history for the past two years of paying your bilk on time CASH Do you have a savings pattern with funds available for a down payment closing coiti and some reserves after the purchase of your home RECORD RETENTION Do you retain your personal account records tax returns W2s pay stubs asset transfer or sales debt records QUICK TEST Gross Mwihly Income HQMSC Payment principal interest taxes insurance JEANeKASTNER 999EikelSt 6255479 i Of memory in the Wuw Cross Monthly laconic Find out about financing your dream home Before you go iboppiiig for your new talk to roc to help how much home you can afford E Kastner Loan Officer UNIVERSAL MORTGAGE CORPORATION providing you The RJOHT MORTOAQE the RIGHT PRICE
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