New Braunfels Herald Zeitung (Newspaper) - January 7, 2007, New Braunfels, Texas
Page 8A — Herald-Zeitung — Sunday, January 7, 2007
If credit card debt looms, careful moves are best bet
What's happening with businesses in the New Braunfels and Comal County area.Herald-Zeitung
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Bigger breasts are bigger business for implant factory thanks to FDA
By Suzanne Ashe
The holidays are over and little Johnny and Janey got everything they wanted for Christmas.
Now that the presents once under the tree are opened, the credit card repayment begins.
Nancy I homas, assistant vice president of investment services at Frost Bank, has some helpful hints and help for the new year for those who overspent this past holiday.
f irst, Thomas recommends setting an aggressive repayment plan.
Do the math and figure out how much you can repay on your credit card hill. I laving the numbers in front of you makes it easier to figure out a game plan, Thomas said.
She also advises paying more than the minimum amount due to a credit card
company. The interest accrued when only the minimum is paid could end up being as much as the overall credit card bill itself.
Thomas said interest rates are relatively low now, so banks and credit card companies are fighting for customers’ business. Being in good standing with a lender sometimes can enable negotiation for a lower interest rate, hut if negotiating with a current lender isn t an option, shop around, she said.
Comparison Web sites such as bankrate.com can be helpful tools for doing so, Thomas said. They can be used to research and compare bank interest rates all in one spot.
And, if significant credit card debt was racked up during the holidays, the same mistake doesn’t have to be repeated next season.
Thomas said to watch spending as the year progresses and plan now for the
I Do the math to determine your finances.
■ Negotiate a lower interest rate or shop around for lower rates.
■ Don't add new debt to your exisiting account.
■ Start putting away money now for spending next holiday season.
next holiday season.
“Start by putting away $5 or $10 a paycheck, designating the money for a Christmas fund,”Thomas said. “Its easy to set up automatic transfer from your paycheck for the amount you want to put in.”
And, she said, hopefully by next Christmas that fund will have enough to enjoy holiday spending without the guilt or worry about repaying debt.
IRVING (AP) — At the nations only factory for saline and silicone implants, plant manager Andrew G. Tymkiw is serious about the big business of making bigger breasts.
The recent TDA approval of silicone implants — ending a 14-year virtual ban — has far-reaching ramifications in Texas, home to the nation’s only breast implant manufacturing facility and anecdotally known as one of the augmentation capitals of the United States.
All made-in-the-U.S.A. breast implants start here, at a 145,000 square-foot factory located in an industrial office park near the Dallas/Fort Worth International Airport.
The factory is the starting point for nearly a quarter million breast augmentation surgeries a year. In many spots, the factory looks like an especially clean industrial kitchen, with breast implants resembling risen pizza dough stacked on stainless steel rolling trays.
A combination of factory
workers, machines and robots produce about 2,IOO a day and more than half a million a year in a process that the California-based Mentor company protects as if it were nuclear missile launch codes.
This reticence comes at a time when implant manufacturers stand to make additional millions, thanks to the TDA approval. ( The only other U.S. manufacturer is California-based Allergan, but its factories are outside tile United States.) In a jubilant conference call with shareholders and analysts after the TDA announcement, Mentor President and CEO Josh Lavine referred to the TDA approval as a "historic moment.”
Mentor officials, predicting that 40 percent of American women will choose silicone over saline within the first year of approval, already have adjusted their revenue projections for 2007 by as much as $25 million. With silicone, Mentor stands to make twice on a per-implant basis, company officials said.
KEY EVENTS IN TNE HISTORY OE BREAST IMPLANTS
El 1962 — Breast implants introduced.
■ 1974 — Congress grants FDA the authority to regulate medical devices.
■ 1990 — A nationally televised report generates publicity and concern about safety of silicone implants. _
■ 1992 — FDA bans silicone implants unless used in clinical studies or for breast reconstruction.
Bi 1995 — Three major silicone implant makers settle ciass-action lawsuit for $3 billion^
■ 2004 — Six former silicone implant makers pay feds $11 million over Medicare costs for women who became ill after receiving implants.
■ 2006 — FDA approves use of silicone implants for breast augmentation procedures.
Local real estate agents complete career training
From staff reports
I). Lee Edwards and Marla Kinneson, broker and sales associate with ERA I). Lee Edwards Realty, Inc. of New Braunfels, have completed requirements of the ERA TOF GUN Academy, an advanced training course offered by the ERA Real Estate.
Each TOP GUN session introduces new techniques to help Edwards, Kinneson and other participants be more productive in their market. Understanding customers and looking for ways to provide better services are the main ideas of the course. Edwards was No. I out of 28 regional agents in production.
"Sides associates participating in the TOF GUN Academy
D. Lee Edwards
were given the tools and confidence they need to better assist co nsumers with their real estate needs,”
Edwards said. “Participants also experienced a higher lever of productivity due to increasing skill development in areas needed to be an effective real estate professional in today’s market."
“The TOF GUN Acade
just one of the ways that ERA Real Estate offers its members continuing real estate education,” Kinnison said. “Through its continued emphasis on professionalism, ERA ensures that its member have the tools and training required to effectively serve the real estate needs of their clients and customers.” ERA D. Lee Edwards Realty, Inc. is an independently owned and operated member of the ERA Franchise Systems, Inc., a
subsidiarv of Realogy Incorporated (NYSE:HFS). ERA Real Estate is a leader in the residential recd estate industry with more than 25 years of experience in developing products and services. The ERA Real Estate network includes more than 2,600 independently owned and operated brokerage offices with more that 27,000 brokers and sales associates throughout the United State and 16 otiier countries.
Lawn and Garden Equipment Repair • 830.626.8874 • 168 W. Nacogdoches BLADE SHARPENING $7-$9
The management of Shotgun Willies wishes everyone a happy and prosperous 2007.
Rentals Now Available
(pt5> Cl__s^i 01—£> <0^0
^ A SHOP AROUND THE CORNER
Sweet Pea Cottage
Fire Mountain Business 35 at Guadalupe Rivet 2"* & 4•* Sat. • 9am 3pm
Johnny Carino's 1304 East Common St. Every Tuesday • 4pm - 10pm
DEFENSIVE DRIVING TICKET DISMISSAL & INSURANCE DISCOUNT
San Marcos Location: Johnny Carino's 1"& 3" Sat.. 9am
HrTvT Safe OFIf xascpjis Clin
125 S. BUSINESS 35 NEW BRAUNFELS. TX 78130
BILL HILL MUSIC
40 years performing & teaching experience
— m> Learn to Play • the Guitar in 2007
Take Private Lessons $20 Join Class Lessons $10 (4 week Course)
Student Guitar Rentals!
Suite 851 F, Walnut Business Center 2 blocks North of McDonalds
ECONOMICAL AUTO REPAIR
KAREN RUDE DDS
'Let my family take care of your family'
Delta Dental Provider
All work guaranteed. Check my prices. «L Will beat any shop rate. CIO-
I Call Steve 830.237.0627
Parts & Labor
.Call For Details On Other Coupons!
I 15% off :
; 30/60/90/120K mi I
\ scheduled maintenance service J
State of the Art [Computer Diagnostic $19.99
Rebuilt and Used Engines & Trans Instal at Discount Prices
839 L 1-35 • New Braunfels, TX Walnut Business Center • Behind McDonalds
We are pleased to announce our new location.
Hill Country Ear; Nose & Throaty PA.
42 Gruene Park Drive
New Braunfels. TX 78130
Charles F. Lano, Jr., M.D., PACS
Diplomate American Board of Otolaryngology Adult & Pediatric Diseases of the Ear, Nose & Throat Head and Neck Surgery Diagnosis and Treatment of Allergies
Barbara Roe Beck, Au.D., CCC-A
Audiology and Hearing Aids
All Services Provided by General Dentist
1528 E Common St Suite 9 • New Braunfels • www.gruenetamilydental.com
Mayor credit cents eccepled 3rd party tinancing available
Central 'Texas Allerg anet Asthma
Frank C. Hampel, Jr. M.D.
• New Braunfels’ only board certified Allergist recognized by the American Board of Medical Specialties
• Over 20 years experience
• Nationally Recognized in Allergy Research
• Specializing in non-surgical treatment of sinus and ear disease.
• Experienced in Rapid Allergy Desensitization
• Treatment of children and adults for
► Seasonal & Year Round Allergies
► Sinus Disease
► Food Allergies
► Insect Allergies
705-A Landa Street • New Braunfels
New Year... New Time!
United Methodist Church
a daughter congregation of First UMC
Beginning January 14
9:30am Gathering with refreshments 9:45am Celebration Service 11:00am Small Group for all ages
Professionally staffed nursery all morning
Meeting at Hoffmann Lane Elementary
4600 FM 306
Rev. Karen Horan, Pastor