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   New Braunfels Herald-Zeitung (Newspaper) - August 24, 1997, New Braunfels, Texas                                HeraldZeltung p Sunday August o Committee reports brisk sales for Business Trade Show Chamber sponsors Sept 910 event The Ticket Sales Committee for the Business Trade Show sponsored by the Greater New Braunfels Chamber of Commerce reported brisk ticket sales for the upcoming trade show Chair of the Committee and Vice Chair of the Genera Committee Ramon Chapa said and we still have three weeks to complete the project As in previous years we expect to have the Sneak Preview sold out before the The Ninth Annual Trade Show will take place in the New Braunfels Civic Center on Sept 9 and 10 The Sneak Preview will run from fij to on Sept 9 and includes upscale entertainment cocktails and hors d oeuvres and 66 exhibitors displaying their product or services Chapa said This has really become the place to be and offers area residents the opportunity to network in a On Sept 10 the show opens at 10 and closes at 6 In addition to the exhibits door prizes will be offered throughout the day and attenders will have the opportunity to register for the Grand Door Prize to be awarded live on KGNB at 6 Noon entertainment will be available and at a Happy Hour is scheduled with entertainment and free beverages and snacks Tickets are still available through a committee member or may be picked up at the chamber office Call 625 2385 for additional information Yhe ticket sales committee for the Greater New Braunfels Chamber of Commerces 1997 Business Trade Show prepare for the Sept 910 event at the New Braunfels CMc Center Photo submitted Check cashers ripping off lowincome people consumer group says A By MARCY GORDON AP Business Writer WASHINGTON AP Around the turn of the century agents known as salary buyers would lend strapped workers a few dollars then recoup the shortterm loan plus a substantial fee when the workers were paid These days a consumer group contends many lowincome Americans are being subjected to the same sort of practice by the growing ranks of neighborhood check cashing businesses The Consumer Federation of America releasing a survey Thursday also said consumers forced by rising bank fees to turn to the storefront outlets are getting soaked with excessive charges to cash their checks there A trade group representing the industry countered that many consumers prefer the convenience of checkcashing outlets which often are open longer hours than banks The consumer group which surveyed 111 checkcashing outlets in 23 of the nations largest urban areas found that fees for cashing a paycheck ranged from 1 percent to 6 percent and averaged percent Fees for personal checks ranged from percent to 16 percent percent In a fastgrowing sideline some checkcashing operations also make loans to customers on postdated personal checks to tide them over until their next pay day at interest rates equivalent to 261 percent to 913 percent a year the survey found Some 12 million American families cannot afford to maintain regular bank accounts according to the Treasury Department Stephen Brobeck executive director of the consumer group said more than half of black and Hispanic households either have no accounts or very small deposits with banks thrifts or credit unions Increasingly these people are turning to check cashers often located in lowincome and minority neighborhoods but which have recently expanded into suburban areas There are now about outlets in the United States cashing more than 200 million checks a year worth some billion according to the National Check Cashers Association Only 18 states regulate check cashers and only 12 of them impose caps on the fees they charge the Consumer Federation said No area of financial services is in greater need of effective consumer said Jean AftttFox director Homebuyers expecting more from homes I IfltArPct rofoc tiolrt j Lower interest rates help families move up Todays homeowners desire more more home that is Demand for larger homes with more amenities has increased steadily since 1970 according to a recent report by Hearthstone Advisors The number of new homes larger than square feet has increased significantly from 10 percent in the mid1970s to almost 30 percent today As more and more young couples establish their careers and begin a family the desire for additional bedrooms bathrooms and allaround living space said Donna Wright vice president regional manager for the New Braunfels area of Norwest Mortgage Inc Moreover many couples begin looking at preferred neighborhoods and school Beyond traditional desires for more space many consumers have taken advantage of low interest rates to move into more spacious Insurance chief names board for health pool accommodations Interest rates nearing 20year lows also contributed to the move up philosophy Instead of using the low rates to refinance homebuyers have realized they can purchase more home with little or no increase in their monthly mortgage payment Using Norwest Mortgage products Wright provided the following scenario Based on the median American annual household income of and an interest rate of 9 percent the average maximum mortgage amount would be just over assuming per month for taxes and The same family qualify for mortgage of with an interest rate of 7 percent a I 21 percent increase in buying power Too often homeowners settle for a house that will meet only their current Wright Buyers may be better off paying a little more now each month for a house that will meet their longterm financial AUSTIN AP A state program meant to make sure Texans have at least one place to turn for health insurance is a step closer to reality Insurance Commissioner Elton Bomer named a board to oversee the program Thursday Lawmakers ordered the Texas Department of Insurance to organize a Health Insurance Risk Pool to which Texans could turn if they cant otherwise get insurance because of preexisting health conditions The pool must be open for business by Jan We hear almost daily from self employed people and others who are desperately seeking individual health insurance because of their preexisting medical said The new pool offers these individuals hope of enjoying the security of health insurance that most of us take for People eligible to turn to the pool Will have to have been rejected by at least two traditional insurance companies Cant get coverage without an exclusion for their preexisting conditions or cant get a policy that doesnt cost more than a policy from the pool Have a preexisting condition the board deems a factor making them automatically eligible The ninemember board will recommend to Bomer how the program should be run and the types of insurance coverages offefecf1 a God saw you getting weary he did what he thought best He put his arms around you and said come and rest He opened up his golden gates on that heartbreaking day and with his arms you gently slipped away It broke our hearts to lose you you did not go alone a part of us went with you that day God called you home Our family chain is broken and nothing seems the same But as God calls us one by one the chain will link again V March August Buelita Juana You are forever in our hearts We love you and miss you and Mom very much Forever The Fuentes Family SF i Tillman Tillman Realty recently added Marie Feder and Charlie Orsag to its staff Feder and her family came to New Braunfels for several years to visit In 1975 she and her husband Orvtlle now deceased and her daughters family Joe and Betty Munie and grandchildren Vickie and Chris Munie decided to move and call New Braunfels In 1976 Feder received her Realtors license and in 1978 her brokers license She is a member of Sts Peter and Hlman adds two to its staff Marie Feder Charles Orsag Paul Church Eagles Lady Auxiliary Model R R and Conversation Club Orsag has joined Tillman Tillman as a Realtor Associate Orsag a resident of New Braunfels for 28 years graduated from Southwest Texas State University in 1992 He spent the next three years as a wildlife biologist in Hawaii Volcanoes National Park and the Great Smoky Mountains National Park In 1995 he became a science teacher at New Braunfels High School in 1997 he was certified as a real estate agent in Texas HEY KIDS 611 JOIN OUR CLUB Bowling Bike Video The Deals are Better Becker 1996 Dodge Intrepid 4 Door Cruise Tilt Cassette Dual Air Bags Orchid 1989 Ford F250 XL Diesel Cruise Dual Tanks Camper Shell Grill Guard Reciever Hitch CassetteT Sliding Rear Window 1994 Chrslr TopQuafityl USED CARS 1996 Dodge ClubCahLnngBorf SLT Laramie V8 Tilt PAVindows Cruise Cassette Sliding Rear Window Bug Shield Hitch Becker Motor Company Used Cars Becker Motor Company 547S Seguiii BrsumfelsvTx 6063463 1 8008792621 1996 Dodge Ram SLT Laramie V10 Power Window Power Locks Tilt Cruise Bedliner Cassette Power Mirrors Chrome Wheels Side Steps Moss 1996 Dodge Daknta Club Cab Air Conditioning Bedliner Cassette Tilt Black Have Fun Bowling get a BRAND NEW BIKE VIDEO GAME for only Per Week BBVClub Meets Bowls 3 Games per week I Sundays at Perfect Attendance Bonus A GeoSafari Talking Globe Parents this is a great educational tool Help your child excel in Geography Answers almost questions Bowling Club Season Starts Sunday September 7 Ends Sunday February 8 V6 Tilt Cruise Stereo Cassette Red 1996 Dodge Qranfl Caravan LE 6 Cyl Dual Tilt Cruise Cassette Quad Command Seating Extra Passenger Door on Drivers Side Sunscreen Glass Forest Green 1994 Ford fcnngfr XT T iMDatelntreDid S Spd 4 Cyl Aluminum Wheels Bed Mat Matching Camper Shell Dark Blue 1990 Qldsmnhilq 88 4 Door 6 Cyl Cassette Cruise Tjft Wire Wheel Covers Deep Red 4 Door V6 Cruise Tilt Cassette Dual Air Bags Teal 1994 Chevrolet Bike Video Game Can Be Picked Up Third Week In Just in time for Christinas Extended Cah Silvan V8 Tilt Cast Aluminum Wheels Cassette PAVindows Bucket Seats Console Cruise Teal Green Ask about Special Lower Rates for families with more than 1 child joining our Club Club members also get a special low rate of only 600 per game any time they practice bowl Accompanying friends and family bowl for only 990 per game Join our Club at Comal Bowl and have fun while learning a lifetime sport Registration Signup from 15 on Aug 23 Sun Aug 24 and Sat Aug 30 Sun Aug 31 Comal Bowl Behind HE6 i i Now Braunfels For moio intimation call 6256263 or 6091033 L Aik lor Ellen Becky 01 Loe J Child Parents Name Parents Address Age   

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