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New Braunfels Herald-Zeitung (Newspaper) - October 7, 1997, New Braunfels, Texas HeraldZeituna n n 3 Financial education for kids is smart investment in future Dear Abby I am a retired credit executive with more than 40 years of experience dealing with people mired in credit card payments In your column on credit card debt Free and Clear in Florida wrote it is not uncommon for people to be caught up in the vicious cycle of paying for things on credit and being able to afford only the minimum monthly We have a large segment of the population who are economically illiterate consumers and do not understand how to spend intelligently save wisely invest or do simple financial planning Yes the credit card companies and other credit granters are partially to blame for encouraging people to live beyond their means which creates financial stress for the debtor and their families However debtors who are poorly informed about money matters should shoulder some of the responsibility for their own difficulties The problem is of serious nationwide concern An estimated million individuals filed for bankruptcy in 1996 up 27 percent from Beside the emotional stress fro these people such losses become part of the cost of doing business and cause consumers to pay higher prices higher interest rates and fees Theres now talk about revamping and toughening the nations bankruptcy code In my opinion such revisions are merely BandAid solutions The flaw is not only in the bankruptcy code but also in our failure to provide programs that give students a head start in understanding consumer economics along with the rights and responsibilities of using A financial education curriculum could help students develop financial skills and money sense knowledge that can help them use their money to the greatest benefit Such a program would benefit both students and credit granters If school funds are not available now to finance a money management program this would be a project worthy of support from public and corporate funds Ben Berman Los Angeles Dear Mr Berman Thats an excellent idea and one whose time has come A wideranging group of federal government business and civic organizations has banded together to advocate for the inclusion of personal financial education for kindergarten through 12thgrade curriculums this new resource for educators is the JumpStart Coalition Its mission to improve financial literacy among youth during the next decade The JumpStart Coalition provides a clearinghouse for personal finance training materials By sponsoring educational materials and lobbying for more financial education JumpStart hopes to increase education and awareness in four areas income money management saving and investing and spending Its primary method of providing information will be the Internet where it has launched a Web page at g or call tollfree 888 4002233 Dear Abby I have some suggestions to add to your caveat regarding caution for people who choose to write to prison inmates Never give an inmate your phone number or your home address Use a post office box Do not send gifts although postage and small stationery for return letters is Letters provide inmates with a sense of respect and caring they rarely receive outside or in prison Learned the Hard Way Montgomery Ala Frost Bank opens NB branch Bank will do business at 315 Landa St cutting ceremony and reception at the location at 4 on Oct 15 This new location is a great move for Frost said Jim Davis New Braunfels Market President We have many customers who live in New in San Antonio in flew Bra today Located at 315 Larida Street the office is the first financial center in New Braunfels for Frost Bank The location will also be part of Frosts Hill Country Region which includes Boerne and San Marcos Frost BankNew Braunfels will celebrate its opening with a ribbon Court Reports Monday Sept 29 Davila Alfred plea of guilty theft by check greater than and less than arrested July 5 1997 60 days jail nine months probation fine court costs restitution 24 hours community service Emerson Daniel E plea of no contest theft by check greater than and less than arrested July 2 1996 nine months deferred adjudication 24 hours community service fine court costs restitution Escalante Angel plea of guilty driving while license suspended arrested May 19 1997 60 days jail nine months probation fine court costs attorneys fees 24 hours community service Farlow Kristi Lynn plea of no contest possession of marijuana under 2 ounces arrested May 25 1997 12 months deferred adjudication fine court costs 24 hours community service Garrett Lori Ann plea of guilty driving while license is suspended arrested May 23 1997 15 days in jail with one day credit fine court costs Parker Jason Scott plea of no contest criminal trespass arrested July 20 1996 fine court costs Salmon Deborah Ann plea of guilty theft by check of over and less than 90 days jail 12 months probation fine court costs restitution 24 hours community that can fulfill all of their banking We feel that the New Braunfels office places Frost Bank in an excellent position to serve the Hill Country said Clovis Barker Chairman Hill Country Region We now have five Hill Country financial centers in Boerne San service Villarreal Mario plea of no contest theft by check over and less than 60 days jail 9 months probation fine court costs restitution 24 hours community service Resales Martin Jr plea of true motion to revoke probation possession of marijuana under 2 ounces 60 days jail Wednesday Sept 30 Khederian Sarah W plea of no contest theft by check of over and less than 60 days jail 9 months probation 24 hours community service fine court costs attorneys fees restitution Sneed Garvin Lee Jr plea of no contest unlawfully carrying a weapon arrested March 15 1997 fine court costs Ybarra Ruben S Jr plea of no contest possession of marijuana over 2 ounces under 4 ounces arrested May 18 1997 90 days jail 12 months probation 80 hours community service fine court costs attorneys fees Ybarra Ruben S Jr plea of no contest prohibited weapons arrested May 18 1997 90 day jail 12 months probation fine probated court costs 80 hours community service Pretrial motions Canamar Daniel plea of no Marcos and New Braunfels and we are very excited to be a part of the New Braunfels Frost Bank is a member of Bankers a multi bank holding company with assets of billion as of June 30 1997 Headquartered in San Antonio the corporation has offices across Texas in Austin Corpus Christi Galveston Houston McAllen New Braunfels San Antonio and San Marcos Bankers Inc Common Stock is traded on the New York Stock Exchange under the symbol CFR Submitted by Frost Bank contest driving while license suspended arrested April 1 1997 90 days jail 12 months probation 24 hours community service fine court costs attorneys fee Arraignment Acevedo Alfredo Ozuna plea of no contest driving while license suspended arrested June 17 1997 10 day jail with 10 days credit fine court costs Peters John Harrison III plea of no contest theft of over and less than arrested July 5 1997 30 days jail with 30 days credit fine court costs Wednesday Oct 1 Stewart David Angelo plea of no contest possession of marijuana under 2 ounces arrested May 25 1997 9 months deferred adjudication 24 hours community service fine court costs attorneys fee Wiewel Brent Edwin plea of guilty failure to maintain proof of financial responsibility arrested May 12 1997 fine court costs attorneys fee Magsam Randall Douglas plea of true to charges motion to revoke probation possession of marijuana under 2 ounces 60 days jail fine court costs attorneys fee payments starts in December Magsam Randall Douglas plea of true to charges motion to revoke probation driving while intoxicated fine court For the latest listings Real Estate see the HeraldZeitung Classifieds on Friday and Sunday The face of pride n HeraldZeitung photo by Michael Darnall Joe Boyle of Onieda painted his face for the Row Wow at Canyon Lake costs payments starting in January 90 days in jail Magsam Randall Douglas plea of true to charges motion to revoke probation driving while intoxicated 90 days in jail concurrent with other DWI charges fine court costs payments start in November Pretrial motions Adam Mary Schertz plea of no contest theft by check of over and less than 30 days jail 9 months probation 24 hours community service fine court costs restitution Herrera Jacinto Pena Jr plea of no contest driving while license suspended arrested June 13 1997 90 days jail 12 months probation fine court costs 24 hours community service District Court Sept 22 Punishment hearing Heagerty William Ray III possession of marijuana 5 pounds 2 years deferred adjudication fine restitution court costs 80 hours community service Flores Raymundo Gutierrez possession of marijuana 5 pounds 3 years deferred adjudication arrested April 10 1997 300 hours community service fine restitution court costs Beliveau Thomas L plea of of grand jury driving while intoxicated 3rd offense personal recognizance bond Nov 3 punishment hearing Divorces Glenn Edward Green and Sharon Hicks Green Jenna Stappenbeck and Rudolph Walter Stappenbeck IV Dean Walter Richel and Denise Louise Richel Bowling LANES AVAILABLE EVERY NIGHT Thurs Special 1 49 6 PMClose A COMALBOWL Behind 6256263 Centex tfour fat value everyday YOUR OFFICE SUPERSTORE 900 South Seguin Ave by the underpass 6293979 WHOS Happy Birthday t From Mom Dad and y Kathl Cindi Jim A million satisfied customers COIT is the best For over 40 years COITs advanced equipment and fully trained certified technicians have provided the most effective cleaning available for all types of carpets rugs draperies and upholstery COITs professional care and personal attention to detail assures you the finest results possible and we guarantee it Sii COIT l800FORCOIT SAVE 20 ON ANY ONE SERVICE DRAPERY UPHOLSTERY CARPET OR AREA RUG CLEANING SAVE 30 IP TWO OR MORE SERVICES ARE DONE 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