New Braunfels Herald Zeitung (Newspaper) - July 6, 1997, New Braunfels, Texas
8A □ Herald-Zeitung □ Sunday, July 6, 1997
Hahn Joins CnaiooOno
After 20 years in the hotel industry. Sue Hahn has joined CruiseOne, CruiseOne president Anthony Persico announced.
As a CruiseOne local independent cruise specialist, Hahn attended an orientation given by many of the major cruise lines. Included in her studies were comprehensive reviews of the accommodations, services and itineraries of major lines best known cruise ships.
She also completed the Travel Career Development course at Our Lady of the Lake University and participated in training in Fort Lauderdale. She now is working toward the Master Cruise Counselor designation awarded by Cruise Lines International Association.
Hahn will assume the responsibilities of the chamber of the board on Jan. I.
Tetrault graduates from Institute
Bonnie Tetrault, vice president of the Greater New Braunfels Chamber of Commerce, is a recent graduate of the Institute for Organization Management.
Tetrault completed all requirements after attending the program June 22-27 at Southern Methodist University in Dallas.
Institute is a professional development program specifically designed to address the unique challenges facing chamber executives. Participants learn the latest techniques in membership retention, quality management, volunteer leadership development and non-dues revenue enhancement, among others.
Gristmill expands dining area
The Gristmill River Restaurant and Bar, in Gruene, has added a new indoor outdoor dining area on the banks of the Guadalupe River The new dining area will help the Gristmill with summer crowds and provide indoor heated seating during the w inter.
The new room was designed with massive timbers with open air construction and native limestone wood-burning fireplace.
Laurel Ridge adds outpatient services, opens new location
Laurel Ridge Day Treatment Center of new Braunfels expanded its serv ices and changed its name to Laurel Ridge Behavioral Health Center.
The center now offers outpatient services in addition to dav treatment services in an expanded facility in Garden Park at 876 Loop 337, Building d, Suite 401.
Areas of outpatient treatment include marital problems, behavior problems, anxiety disorders, anger management, relationship issues, grief and loss, depression, attention deficit disorder, learning difficulties and alcohol drug abuse
Goodwin receives relocation specialist certification
Cathy Goodw in, relocation director with Coldwell Banker D’Ann Harper REALTORS in San Antonio, recently completed training and received her certification as Certified Residential Marketing Specialist and Certified Corporate Property Specialist
As a result of becoming a certified relocation professional. Goodwill will assist relocating home buyers and sellers in San Antonio and the surrounding areas of south
Know what to expect at closing
Special to the Herald-Zeitung
Closing on a new home should be an exciting time. But to some, it ends with a big — often unwelcome — surprise.
According to a recent study conducted by Management Consultant, Dove Associates, one out of every four homebuyers is surprised during their closing. About 55 percent of the surprises are because of unexpected cost increase.
“Closing costs are one of the least
understood aspects of the homebuying process,” said Donna Wright, vice president regional manager for the New Braunfels area of Norwest Mortgage Inc. “However, a good lender will take the time to answer questions and walk you through the process.”
Closing costs tend to vary from lender to lender but' are generally considered any costs associated with the purchase of a new home. Today, these range between 2 percent and 7 percent of the home's purchase price
and include three basic categories: I) out-of-pocket expenses; 2) prepaid items; and 3) mortgage points.
Out-of-pocket expenses are fees for appraisals, attorneys, credit reports, deed recording, tax services and other miscellaneous expenses. These fees are for services usually performed by a third party and directly charged to the borrower.
“Most out-of-pocket fees are necessary and legitimate,” Wright said. “However, whenever the borrower sees a fee which he doesn't
understand, he should ask about it.” Homeowner’s insurance, mortgage insurance and costs to set up an escrow account are considered prepaid expenses. Escrow accounts are a service provided by the lender through which they will pay annual insurance premiums ami various taxes on the borrower’s behalf. The amount that goes into these accounts is based on the first year’s premiums, plus an additional amount to help build the account for future premiums. Prepaid expenses are difficult to determine
Goodw in received specialized training and learned strategies for developing and executing home marketing assistance plans.
NFIB honors Smith
Tha National Federation of Independent Business saluted Rap. Lamar Smith of tha 21st Congressional District in Texas tor recognizing the importance of small business to America and working tor small business in Congress. NRB President Jack Farts presents a certificate to Smith in appreciation for Smith’s support of small businesses.
Trampoline injuries on the rise
Popularity springs back, but so have
TROY. N Y. (AP) — Matthew Millet s last jump on a trampoline ended with a big bounce and an “Ouch!”
The 10-year-old’s fall from a backyard trampoline cost him a broken el Nm and put him in a cast for two weeks. T wo months later. Matthew is doing fine. His mother still bristles over the unsupervised play in a neighbor’s yard.
“He was jumping on a trampoline with his friends, which I thought was supervised. And there were three children on it'” Donna Miller said.
With trampolines springing up more and more on suburban lawns, it is a common problem Children suffering sprains, strains and breaks after trampoline mishaps. The number of trampoline injuries requiring emergency room treatment has grown in each of the last five years, according to federal Consumer Product Safety Commission estimates, from 38.800 in 1991 to 83,399 last year
"People need to know that, for children, trampolines are very high risk,” said James Slavin. the orthopedic surgeon who treated
Matthew “Trampolines are right up there with football and motorcycle sports. There are better things for kids to be doing ”
’ Dr Charles Price, a board member of the Pediatric Orthopaedic Society of North America, goes further, say ing trampolines should be banned.
The warnings come amid a sort of trampoline renaissance.
Manufacturers keep sales figures guarded, but the federal consumers' agency estimates that between 300,000 and 500,000 trampolines are sold annually.
Smaller, circle-shaped cousins of the old-style rectangular trampolines are now widely available in sporting goods outlets and discount stores. For instance, a 13-foot diameter backyard trampoline can be purchased for SI99
"It’s had a tremendous rebirth, unbelievable,” said Tim Schlusser of USA Trampoline & Tumbling, a governing body for the sport “Not just on the backyard side. but the competitive side is booming ”
Schlosser echoes a common contention of jumping enthusiasts: Trampolines are safe if care is taken Trampoline groups caution young lumpers not to attempt somersaults or other advanced maneuvers. And manufacturers routinely include safety tips with their trampolines.
“A trampoline is a fun. safe piece of equipment if properly used." said
Texas cities make efforts to reduce traffic
because they vary with the type of property and the time of the closing, k
Wright said a mortgage point is equal to I percent of the mortgage loan amount and is actually an adjustment to yield that helps reduce the interest rate.
For example, a $100,000 mortgage can be obtained at 7.75 percent with two points or 8.25 percent and no points. The lower interest rate cuts the mortgage payment about $35 a month, but demands an additional $2,000 (mortgage points) at closing.
Pat Carrithers, a spokesman for a Texas-based trampoline maker, Bollinger Industries.
The problem seems to be with kids ignoring safety guidelines, often landing in emergency rooms after attempting stunts or jumping more than one at a time. With double- or tnple-jumping, the smaller child can get bounced right off the trampoline.
A study released in 1995 looking at 217 trampolinejnjuries found about a quarter of the patients treated hurt their elbows and forearms — presumably because they were trying to break their fall. Injuries to knees, necks, wrists and backs were also common. None of the injured patients suffered permanent spinal cord damage.
The average age of patients in the study was IO, with the youngest aged 18 months.
Study co-author Brad Larson, a Logan, Utah, orthopedic surgeon, said he still regularly treats kids who took bad bounces.
Invented by and for acrobats in the 1930s, trampolines were exposed to many baby boomers during elementary school gym class. But as their popularity grew, so did fears about kids hurting themselves.
The rebound in popularity began rn the late 1980s and early ’90s and was primarily staged at gymnastic centers and in back yards.
AUSTIN State Comptroller John Sharp says Texas cities are now pursuing a v anety of new programs to reduce the number of vehicles on roads and highways, which will help reduce air pollution and keep Texas cities and towns in compliance with federal mandates for urban air pollution.
Commenting in the latest issue of Fiscal Notes, Sharp pointed out that some Texans who have traditionally been reluctant to give up solo driving now may be more v>pen to try ing new w ays of getting to work.
About 30 percent of commuters who live iii urban areas have joined carpools or vanpools or have switched to buses, trains and other public transportation, the comptroller said.
Cities also are improving traffic flow with high-occupancy vehicle lanes, light rail systems, road sensors and video cameras. Sharp said.
“Between 1986 and 2000, road traffic w ill increase by 50 percent, but there is only going to be a 6 percent increase in new roads. This will affect the state’s economic growth, air quality and quality OI lite.” Sharp said.
Cities around Texas are working to improve their traffic flow and reduce emissions to comply with federal mandates in urban areas. Sharp said.
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Chamber planning for 9th annual business trade show
Event scheduled Sept 9-10 in Civic Center
The Ninth Annual Business Trade Show sponsored by the Greater New Braunfels Chamber of Commerce is scheduled for Sept. 9-10 at the Civic Center.
“This show has been successful, both in exhibit content and attendance, since its beginning, and this year promises to be event better and bigger than ever. We only have a few booth spaces still available and opened sales to the general public on July I According to Huff, the booths will be sold on a first-come, first-served basis and are available at the chamber
of commerce office.
The Business Trade Show was developed to give area businesses the opportunity to display their services and products to other businesses.
The show kicks off on Sept. 9 with a sneak preview. The preview includes, in addition to all booths open, show-type entertainment, open bar and hors d’oeuvres. Exhibitors will give door prizes throughout the evening.
On Sept. IO, the show will be open throughout the day and includes the opportunity to register for the chamber’s grand door prize, noontime entertainment and a “happy hour’’ with complimentary beverages and entertainment.
Reservations are being accepted for booth spaces at the chamber office, 390 S. Seguin.
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noting that air pollution has been linked with respiratory problems and premature deaths.
The number of ears and trucks on the road has a direct impact on air quality.
San Antonio was the first Texas city to use road sensors, video campers and warning signals that move traffic much more efficiently, Sham noted. •_
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