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  • Publication Name: New Braunfels Herald Zeitung
  • Location: New Braunfels, Texas
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View Sample Pages : New Braunfels Herald Zeitung, May 30, 1996

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New Braunfels Herald Zeitung (Newspaper) - May 30, 1996, New Braunfels, Texas 10 g Herakj-Zeitung O Thursday, May 30,1996 , J    ■    'J*-.    'jjf'V    J    ^    '    ■    •*>**    v .rn* y’ Ii r i * I# '• ■" ’-VY * ■    «•’    ■*.; V *    * * < < v -'■»» W*»v »    *    .    i-    A*    t    V- KIS It' U i IBll |#¥: Ii <*    V    Mi    i    •>.    -    •    *, .....L:.>. Where the New Braunfels Professional Community answers commonly asked questions about topics of interest to Herald-Zeitung readers Gemological Mary ff|f CWmIIM QUESTION: What are the I birthstones for the 12 months of the year? ANSWER: January - Garnet February - Amethyst March - Aquamarine April - Diamond I May - Emerald June - Pearl or Alexandrite July-Ruby August - Peridot September - Sapphire October - Opal or Tourmaline November - Topaz December - Turquoise or Zircon &ccen/MC&, 167-D S. Seguin Ave. New Braunfels * (210)629-9124 TheDarkStd^^^^™1"™ of Plumbing The dark side of plumbing can sometimes be very damp, dirty work with spider webs, strange looking bugs, and critters that are faster than your flashlight can move. That is if you want to crawl under your house and inspect your plumbing from underneath your floor. If you have a post and beam house and there's ample room for crawling around, you can get a good look at your plumbing real fast, from an up close look at what's ihmW your house. You will see galv. water lines, maybe copper or PVC depending if itll original piping or if itll been repaired before. You will see your waRe lines in cast iron or PVC, there again depending on wether itll been worked on before. You will also see gas lines if Carate M. Davis QUESTION: As a woman, what should I be 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 IO of us will be responsible for making our | own investment decisions at some point • Within die 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 one-third 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 FERGUSON-HERMES INSURANCE AGENCY, INC. 399 W. San Antonio Street 625-4500 Refiltered Representative, ProEquitiei. lac.. PO. Box SIS. Birmingham. AL 3S201.105-868-3288 Fergiuon-Hermes Insurance Agency, lac. is not affiliated with ProEquiues. lac The Lindley Company General Contractor (210) 629-9268 INQUIRY: lf an owner asked for the general contractor’s approval to hire one of his subcontractor s 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 i lyra* Heisel ’QUESTION: How do I know what to rent to complete my job? ANSWER: Our experienced staff at Heisel’s Rent All will advise you of the options available. Normally there are several ways to perform a task and we will recommend die 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 the sewer lines or the carpets, washing or painting the house, putting up a fence or installing tile, come to Heisel’s Rent All for the equipment you need. Heisel’s Rent All “A complete selection of rental equipment” 243 Ttade Center Dr. 625-1681 Rey IL Cr—wtlgt Ow—r Jeff Lindley Lie—I Cl—rd Cttliu I expedite completion of the job __________jsicm    about    who is responsible    _ for whiu, it is wise for the owner not to hire any other sub-contractor to be on the job site until die general contractor has completed his portion of the construction process, lf the owner insist, a written agreement should be executed by all parties addressing such issi Do you have • uvin and soma reserves— RECORD——I Question: Are you ready to buy a home? Do you know how much home you can afford? Answer: If owning a home it your dream, do a little homework to turn that dream into reality. Before shopping for that dream home, find out how much nome you can afford. Take this quick self-test to begin making that dream come true. JOB AND INCOME Have you been working continuously ia the same job or career for at lean two years? lf retired, do you have I evidence of a steady source of income? CREDIT HISTORY Have you established a credit history for the pact two ^inof paying your bills on time? a savings pattern with funds available for a down payment, closing costs. JEAN E. KASTNER Loan Officer issues you have gat. If you decide to . , -    take    the advantage, look at your waste lines and make sure they're going downhill 1/4" per foot and a minimum of l/8” per loot. Water lines are general^ level as well as your gas lines. Water lines will be galv. pipe, copper and in some cases PVC and CVPC. Gas lines are normally black pipe. Waste lines are cast iron or PVC and also clay and concrete on occasion. The main thing about looking under your house is looking for moisture, that gives help to settling problems. contracting with outside contractors, but experience has proven this action can lead to complications, extended construction time, and increased costs. QUESTION: Should the contractor be expected to perform extra work for | the owner without a change order being signed by both parties?    | ANSWER: Regardless of the cost incurred (materials and labor) all changes to the onginal construction contract should be made in writing and agreed to in writing. Once this policy has been overlooked by either the Do you retain your pcnooal account records, tax returns. W-2s. pay stubs, asset transfers or ***** debt records? QUICK TEST a Gross Moodily Income X 28 Tout Home Ptymeni (includes princip—1, (Merest, in—, insurance) linum Crenwelge numbing Service 999 Eikel St. 625-5479 ti: Gross Monthly Income Find out about financing your dream home. Before you go shopping for your new home, talk to nm to help determine how much home you eau afford Jean E. Kastner, Loan Officer UNIVERSAL MORTGAGE CORPORATION providing you The RIGHT MORTGAGE at the RIGHT PRICE Toll Free 1-888-395-3841 ;