Student loans provide hard economics lesson

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Student loans provide hard economics lesson
Business
personal
finance
Obituaries 1 B4-5
ExpressNews.com
mySA.com
Monday, October 12, 2015 | SECTION B | SAN ANTONIO EXPRESS-NEWS
Oil-price bonanza not yet seen
Expected boon to economy thus far
actually has been a 0.2 percent hit
By Luke Kawa
B L OOMBE RG NEWS
Lower oil prices were
roundly celebrated as a tailwind for global growth.
In theory, the movement of
wealth from commodity producers, which often stow away
oil revenue in sovereign
wealth funds, to consumers,
which spend a far larger portion of their income, is a positive for economic activity.
But strategists at Credit
Suisse believe that so far, the
global economy has seen only
the storm from lower crude,
not the rainbow that follows.
“The fall in the oil price was
considered by many investors,
and ourselves, to be a significant positive for global GDP
growth,” a team led by global
equity strategist Andrew
Garthwaite admitted.
But the net effect of this
development, according to
their calculations, so far actually has turned out to be a 0.2
percent hit to the global economy.
The negative effects of lower
oil — namely the large-scale
cuts to capital expenditures —
are having a large and imme-
Carolyn Van Houten / San Antonio Express-News
Six pumpjacks stand outside of Cotulla. The plunge in oil prices in the past six months has forced
drilling and oil service companies to fire workers and idle rigs throughout the Eagle Ford Shale.
diate impact on global gross
domestic product.
“The problem is that commodity-related capex accounts
for circa 30 percent of global
capex (with oil capex down 13
percent and mining capex
down 31 percent in the past 12
months),” wrote the strategists, “and thus the fall in U.S.
and global commodity capex
and opex has taken at least
circa 0.8 percent off U.S. GDP
growth in the first half 2015
and circa 1 percent off global
GDP growth over the last
year.”
Oil continues on B2
SCOTT BURNS
Rich are
the ones
getting
wealthier
Christine Armario / Associated Press
Students wait outside Everest College in Industry, Calif., hoping to get information on loan forgiveness in addition to getting their
transcripts. Some 41 million Americans owe $1.2 trillion in student loan debt.
Student loans provide
hard economics lesson
By Gretchen Morgenson
N EW YORK T I ME S
“It feels like I’m being set up
to fail.”
That’s how Patrick Wittwer,
31, described his experience
trying to repay his roughly
$50,000 in student loans.
Between misdirected payments by one of the companies
servicing his loan and the
abusive collection tactics he
encountered when he fell behind, Wittwer said the repayment process simply seemed
stacked against him.
A 2008 graduate of Temple
University with a degree in
media arts, Wittwer isn’t alone
in his experience. Consumer
advocates say student-loan
servicers often make an already heavy debt load even
more burdensome for borrowers.
A report issued late last
month by the Consumer Financial Protection Board sup-
ports this view.
Even though the
economy and
labor market
have improved,
student
loan borrowers are
experiencing
high distress
levels compared
with borrowers
with other types of
consumer debt, the
government report found.
More than one in four student loan borrowers are delinquent or in default on their
obligations.
In the aftermath of the financial crisis, we learned repeatedly about dubious practices among mortgage servicing companies that made it
harder for homeowners trying
to repay or renegotiate their
loans.
Now, similar horror stories
Fotolia /
The
median
debt burden
among
borrowers was
$20,000 in 2014. The
ed department has
contracts with 11 loan
servicers, but there are no
federal standards governing
their activities.
are emerging about the companies servicing student loans.
Some 41 million Americans
owe $1.2 trillion in student loan
debt. The median debt burden
among borrowers was $20,000
in 2014, up from $13,000 in
2007.
Companies servicing these
loans manage borrowers’ ac-
counts, process their payments
and enroll them in alternative
repayment plans, including
those based on a fixed share of
the borrowers’ income. Among
the biggest companies are
Navient, Great Lakes and Discover Bank.
The Education Department
has contracts with 11 loan servicers. But with no federal
standards governing these
activities, student-loan servicers have great leeway in their
practices. Making matters
worse, borrowers aren’t allowed to choose their servicers, so if they encounter problems, they can’t take their business elsewhere.
“Good loan servicing is expensive,” Maura Dundon, senior policy counsel at the Center for Responsible Lending,
said recently. “It requires
reaching out and talking to
people, and servicers don’t do
it because they don’t get comLoans continues on B5
Things to know about property tax bill
Owners of every piece of
taxable property in Texas are
about to receive their annual
property tax bills. Homeowners
as well as commercial property
and land owners are finding
out if their annual tax bills have
gone up and, if so, how much.
With the state’s economy
doing fairly well the past few
years, many Texans will see
higher tax bills because their
homes and properties are
worth more. That valuation is a
big driver of the final bill.
Those who pay their property taxes through a mortgage
Mary Belan
Doggett writes
that with Texas’
economy doing
well of late,
many will see
higher tax bills.
might not notice a difference
for months because their mortgage company receives the bill
soon after Oct. 1 and then rolls
it into the monthly payment.
Those who own their property
outright or choose to pay the
tax bill themselves, on the other hand, get a cold, hard look
GUEST VOICES
Mary Belan Doggett
directly at the bill each fall.
Whether you pay your taxes
directly or through your mortgage, here are 10 things you
need to know about your new
property tax bill:
1. The law automatically puts a
lien on the property every Jan. 1
to secure payment of that year’s
property taxes. A delinquent
property tax lien can hurt your
chances of getting full market
value for your property if
you’re considering selling.
2. Payment of the bill is due no
later than Jan. 31.
3. Starting Feb. 1, unpaid taxes
are subject to penalties and fees
that can reach 42 percent of the
original bill if still unpaid by
July 1.
4. The bill is calculated based
on the value of the property
and the tax rates set by each
taxing entity in which the propTaxes continues on B5
Every three months, the
Federal Reserve releases an
enormous pile of numbers. It’s
called “Z.1 Financial Accounts
of the United States.” It examines the flow of funds through
our economy and the balance
sheets of different sectors. It’s
good bedtime reading. My
personal favorite is the “Household Balance Sheet” because it
tells us how we are doing, collectively, by reporting on our
holdings of all kinds of assets.
The most recent report, released in mid-September, provides no big surprises. Covering the second quarter, it tells
us that our collective wealth
increased by nearly $700 billion from the previous quarter
and that our total assets have
been increasing in each year of
the recovery. More to the point,
our collective net worth is now
higher than it was at the peak
of the bubble in 2007. If you’re
lucky, you’ve noticed. You have
a comfortable feeling of increased ease and affluence.
Then again, maybe you haven’t
noticed.
Back then, we had total assets of $81.2 trillion and a net
worth of $66.8 trillion. Today,
we have total assets of nearly
$100 trillion and a net worth of
$85.7 trillion. That sounds pretty nice. And in a grand sense, it
is. Richer is better.
There’s only one problem. If
you ask those ever-present
“nattering nabobs of negativism” questions, a different
message starts to emerge: The
rich are, quite definitely, getting
richer. Others, not so much.
Here’s why.
1 Consumers still are borrowing to look good. We like our
stuff, so we keep borrowing to
buy it. Over the period, the
amount we hold in consumer
durables — which is mostly
cars — rose modestly, from $4.5
trillion to $5 trillion. But consumer credit has more than
fully recovered. It rose from
$2.6 trillion to $3.3 trillion, an
increase of $700 billion. So we
own more stuff, but we also
owe more on it.
This is important because
the reality is that most Americans have more money invested in the used-car market
(because they own a car or two)
than they have invested in the
stock market.
It’s also useful to put consumer credit in perspective.
The $700 billion increase is far
smaller than the $1.2 trillion
decrease in home mortgage
debt.
1 Housing has recovered, but
for whom? From its $20.7 trilBurns continues on B3
B2 | Monday, October 12, 2015 | SAN ANTONIO EXPRESS-NEWS AND MYSA.COM
PAGE 2
Main Business number: 210-250-3343
Retirees facing high medical costs
By Suzanne Woolley
B L OOM BE RG NEWS
The average 65-year-old
couple retiring this year will
face health care costs of
$245,000 in the years ahead, up
11 percent from a 2014 estimate
of $220,000, according to a new
report.
That’s alarming if you’re 65
— and maybe more alarming if
you’re 25. (Imagine what the
cost will be when you’re ready
to retire.)
The higher number stems in
part from a change in assumptions about how long we’ll live.
In the wake of updated mortality tables put out by the Society
of Actuaries last year, Fidelity
Investments raised life expectancies in its annual Retiree
Health Care Cost Estimate. For
2015, it assumes that a 65-yearold man will live to 85 and a
65-year-old woman to 87. In
2014, the estimate was 82 for a
man and 85 for a woman.
The estimated annual increase in medical and prescription expenses stands at 4 to 5
percent, about the same as last
year. Prescription costs are
trending higher than medical,
at slightly above 7 percent, said
Sunit Patel, senior vice president of Fidelity’s Benefits Consulting group. Prescription
drug costs account for 23 percent of that $245,000 figure.
Money spent on deductibles
and cost-sharing with an insurer make up 43 percent, and
34 percent goes to Medicare
Part B and D premiums.
Fidelity’s calculation assumes that the couple are enrolled in Medicare health coverage and have bought supplemental (Medigap) insurance.
Dental isn’t included (and can
be very expensive), nor is one
OIL
From page B1
Garthwaite and his group
highlight three other channels
through which soft oil prices
have adversely affected the
American economy: employment, wages and dividend
income.
Employment in oil and oilrelated industries has declined
by roughly 8 percent since
October 2014, with initial jobless claims in North Dakota, a
prime beneficiary of the shale
revolution, at extremely elevated levels.
During this period, average
hourly wages for those employed in oil and gas extraction shrank nearly 10 percent
Emotional
Musk tells
of strains of
being CEO
By Matt McFarland
WASHINGTON P O ST
Associated Press / File photo
Fidelity Investments has boosted its estimate of retirees’ health care costs in the years ahead,
raising it to $245,000 for the average 65-year-old couple retiring this year.
big, scary chunk of potential
costs: long-term care.
Large as it is, Fidelity’s
$245,000 estimate is lower than
a projection of health care
costs in retirement released by
HealthView Services this year.
HealthView works with an
actuarial company to come up
with life expectancies only for
healthy 65-year-old couples.
That bumps up the life expectancies to 87 for a man and 89
for a woman.
You’d think the estimated
costs for a healthy couple
might be lower, but the surveys
use different assumptions, so
there’s no apples-to-apples
comparison to be made.
HealthView’s estimate for a fit
65-year-old couple retiring this
year is $266,589. When dental,
vision, co-pays and all out-ofpocket expenses are included,
the tally rises to $394,954.
There are ways consumers
can try to defray some health
care costs in retirement.
As more workers are put
into high-deductible health
care plans, they often gain
access to tax-advantaged health
savings accounts, also known
as HSAs. These can help cover
medical expenses in retirement, particularly if you open
one when you’re young and its
earnings compound, tax-free,
for decades. With HSAs, you
can roll over to the next year
any unused money you set
aside, pre-tax, to cover health
expenses.
That’s different from a flexible spending account, or FSA;
if you don’t use that money in a
given year, you lose it.
after growing at a robust clip
in the previous two years.
And the payouts to investors who own oil stocks also
have been cut, which Credit
Suisse deems to be a modest
negative for household income.
“A fall in capex brings with
it a fall in direct employment
and earnings (total payroll
income in the U.S. energy
sector is down by 18 percent
since November last year, for
example), as well as secondround effects on other industries servicing the capex
process, from machinery producers to catering and hotels,”
the team wrote.
The team also found the
declines in capital spending
have much less of a front-
loaded shock on growth than
in the 1980s, the decade in
which we last saw a supplydriven plunge in oil prices:
“As a result, even once the
oil price has decisively
troughed, the lag in both cutting (and restarting) capex
projects is such that capex
could remain a drag on GDP
for a number of quarters,”
Garthwaite’s team wrote.
On the flip side, the positive
effects for consumers have
been slow to manifest, best
depicted through the rise in
the percentage of income consumers elect to save.
This rise in savings ratio in
the U.S., Japan and continental
Europe speaks to concern
about the how long these lower gas prices will endure. If
households believe the relief at
the pump is only temporary,
they’re less likely to deploy
those funds in more discretionary areas.
Garthwaite and his team
note that consumers are coming around to the notion that
lower oil prices might be a
permanent development and
are loosening their purse
strings.
As such, Credit Suisse
maintains that lower oil prices
eventually will prove to be a
net benefit for global growth,
thanks to the transfer of
wealth to entities with a higher marginal propensity to
consume as well as the prospect for more accommodative
fiscal and monetary policy
linked to softness in crude.
As more workers are put into high-deductible
health care plans, they often gain access to
tax-advantaged health savings accounts. These
can help cover medical expenses in retirement.
Elon Musk is a notorious
workaholic. As the CEO of
SpaceX and Tesla long has made
clear, he doesn’t really need
much vacation. He’s described
lounging on the beach as “the
worst,” and something that
would leave him “super-duper
bored.” He joked in a recent
biography that “vacation will
kill you,” after recounting a trip
that left him with a malaria
infection.
This makes Musk’s recent
remarks to a Danish television
station so surprising and a reminder that long hours can
grind down even the toughest
and more passionate workers.
“My priority right now is to
try to add some more management bench strength to Tesla in
particular so that I can take a
vacation,” Musk said in a recent
interview. “In the last 12 years,
I’ve only tried to take a week off
twice.”
An emotional Musk grew
misty-eyed during parts of the
interview, and he reflected on
the toll that running SpaceX and
Tesla has had on him.
“Creating a company is almost like having a child,” Musk
said. “It’s almost like, how do
you say your child should not
have food?
His interviewer asked, “So
once you have the company, you
have to feed it and nurse it and
take care of it even if it ruins
you?”
“Yeah,” a misty-eyed Musk
said.
After a long pause, Musk was
asked how he got through the
2008 financial crisis.
“Yeah,” said Musk with a
shake of his head. “Can we just
break for a second?”
Musk was strikingly more
emotional and vulnerable than
in most interviews. Gone were
the usual efforts to present himself as superhuman yet lighthearted. At one point, Musk
acknowledged he has questioned why he submits himself
to all the risks of running stressful companies such as SpaceX
and Tesla. (Not to mention being
the chairman of SolarCity.)
“It’s actually been a very difficult journey, I have to say. But I
think there are certain important things that we must do in
order for the future to be good.
We must have sustainable energy. If we don’t have that, the
future is going to be terrible.”
THIS WEEK AHEAD
In S.A.
At Monday’s opening bell
TUESDAY
DOW
JONES
NASDAQ
S&P 500
10-YEAR
BOND
17,084.49
4,830.47
2,014.89
2.09
Financing seminar: A free
seminar on financing new or
existing businesses will be held
by the U.S. Small Business
Administration San Antonio
district office from 11 a.m. to
12:30 p.m. at the Hipolito F.
Garcia Federal Building, 615 E.
Houston Street, Suite 298. The
access-to-capital seminar will
include information on SBA
loan programs for specific
purposes. Participants are
encouraged to bring their own
lunch. Online registration is at
http://bit.ly/Finance_Oct13. For
information, call the SBA office
at 210-403-5900.
Sales: The Business Opportunities for Texans in San Antonio
Minority Enterprise Development Week consortium
luncheon will be held from
11:30 a.m. to 1 p.m. at the DoubleTree Hotel, 37 N.E. Loop 410.
A panel of salespeople, including Roy Austin of ILS Co.
and Yusuf Chowdhury of
Online Business Owners, will
share sales techniques. Cost to
attend is $20. Online registration is available at www.southsachamber.org. For information, call the South San Antonio Chamber of Commerce at
210-533-1600 or email [email protected]
WEDNESDAY
Congressional luncheon: U.S.
Rep. Joaquin Castro, D-San
Antonio, will speak at a San
Antonio Chamber of Commerce Congressional Luncheon
Series event. The luncheon is
set to run from 11:30 a.m. to 1
p.m. at the Embassy Suites
Riverwalk Hotel, 125 E. Houston
St. Cost to attend is $40 for
chamber members, $55 for
nonmembers. Online registration is available at sachamber.org. For information, call
the chamber at 210-229-2119.
Women-owned certification:
A free, one-hour workshop on
and $100 for nonmembers. For
information, contact Blanca
Maldonado at 210-208-8216 or
[email protected] Online
registration is available at
www.sahcc.org.
Around the
nation
TODAY
Bond market closed in
observance of Columbus Day;
the Organization of Petroleum
Exporting Countries publishes
its Monthly Oil Market Report.
Kin Man Hui / San Antonio Express-News
SEPTEMBER JOBS SNAPSHOT: On Friday, the Texas Workforce Commission
and Federal Reserve Bank of Dallas release unemployment data for the San
Antonio metropolitan area and the state for September. The San Antonio
region’s unemployment rate held steady in August at 3.5 percent for the third
month in a row. That was the second lowest among the state’s major
metropolitan areas, higher only than Austin’s rate of 3.1 percent.
applying for 8(m) womenowned small-business certification will be held by the U.S.
Small Business Administration.
The workshop is set for 11:30
a.m. to 12:30 p.m. at the Hipolito F. Garcia Federal Building,
615 E. Houston St., Suite 298.
The program provides access
to government contracting
opportunities for small businesses. Reservations may be
made online at http://
bit.ly/8m_Oct14. For information, call the SBA at 210-4035900.
THURSDAY
Environment seminar: The
San Antonio Manufacturers
Association will hold its 26th
annual Environmental Seminar
from 7:30 a.m. to 4:15 p.m. at
the Hilton San Antonio Airport
Hotel, 611 N.E. Loop 410. The
luncheon speaker will be Steve
Clouse, San Antonio Water
System chief operating officer
and vice president. Clouse’s
topic is “SAWS Vision and
Water Availability.” Cost to
attend is $200 for association
members, $250 for nonmembers. Online registration is
available at sama-tx.org. For
information and reservations,
call the association offices at
210-979-7530.
Women awards: Texas Sen.
Judith Zaffirini, D-Laredo,
heads a list of nine women
who will receive “Making a
Mark on the World” awards
from the San Antonio Hispanic
Chamber of Commerce. The
sixth annual awards luncheon
will start at 11:30 a.m. at the St.
Anthony Hotel. Zaffirini will
receive the chamber’s Legacy
Award. Also receiving awards
will be Harriet Dominique of
USAA, Corporate Service
Award; Marina Alderete Gavito
of Tech Bloc, Innovation
Award; Carmen Tafolla, Texas
poet laureate, Community
Voice Award; Lisa Bombin of
Unico Communications, Entrepreneur Award; Tanuja
Singh, St. Mary’s University
Greehey School of Business
dean, Leadership Award; Mary
Briseño of the University of the
Incarnate Word, Service Award;
Elizabeth Costello, World
Affairs Council of San Antonio
president, Advocacy Award;
and Luisa Casso of the CocaCola Co., Inspiration Award.
Individual tickets to the event
are $75 for chamber members
TUESDAY
Treasury releases federal
budget for fiscal year 2015; the
U.S. Energy Information Administration releases its Drilling
Productivity Report, showing
estimates for oil and gas output from the biggest shale
formations; the International
Energy Agency releases its
monthly Oil Market Report with
the latest forecasts for global
oil supply and demand; Johnson & Johnson, CSX Corp. and
JP Morgan Chase & Co. report
quarterly financial results.
WEDNESDAY
Labor Department releases
the Producer Price Index for
September; Commerce Department releases retail sales
data for September and business inventories for August;
Federal Reserve releases Beige
Book; BlackRock Inc., Bank of
America Corp., Wells Fargo &
Co., Delta Air Lines Inc. and
Netflix Inc. report quarterly
financial results.
THURSDAY
Labor releases weekly job-
less claims and Consumer
Price Index for September;
Freddie Mac releases weekly
mortgage rates; the U.S. Energy
Information Administration
releases its natural gas and
inventory reports; the U.S.
Securities and Exchange Commission’s Investor Advisory
Committee meets to discuss
recent market-structure developments, pricing of exchangetraded funds and enforcement
priorities; BB&T Corp., UnitedHealth Group Inc., Citigroup
Inc., The Goldman Sachs
Group Inc., KeyCorp, US Bancorp, Mattel Inc., Schlumberger
Ltd., Charles Schwab Corp. and
Philip Morris International Inc.
report quarterly financial
results.
FRIDAY
Federal Reserve releases
industrial production for September; Labor releases job
openings and labor turnover
survey for August; Baker
Hughes releases its rig count
for U.S. oil and gas rigs; Honeywell International Inc., Comerica Inc. and General Electric Co. report quarterly financial results.
Conventions
Education: The Texas Elementary Principals & Supervisors
Association is holding a conference at the Convention Center
on Monday and Tuesday, with
an expected attendance of
500.
Medical: The American Society for Radiation Oncology is
holding its 57th annual meeting at the Convention Center
from Saturday through Oct. 21,
with an expected attendance
of 11,000.
SAN ANTONIO EXPRESS-NEWS AND MYSA.COM | Monday, October 12, 2015 |
B3
BUSINESS
EXPRESSNEWS.COM HIGHLIGHT
Allen
Goulet
Nelson
Bryant
House
Ramirez
BRIEFCASE
1 UT Health Science
Center named Paul Allen Sr. chairman of the
department of physician
assistant studies.
1 Globalscape Inc.
named Matt Goulet
chief operating officer.
1 University of Texas at
Austin’s McCombs
School of Business recognized Jack Nelson, CEO
and president of Propel
Financial Services, as a
2015 Rising Star.
1 Powell Law Firm has
opened offices at 1148 E.
Commerce St. in St. Paul
Square.
1 iHeartMedia Inc.
named Steve Mills chief
information officer.
1 The American Public
Transportation Association named VIA board
trustee Lester Bryant to
its board of directors.
1 Gov. Greg Abbott
named Rebecca “Suzette” Tijerina, director
of pharmacy and mail
operations for CVS Caremark, and Isaac “Chip”
Thornsburg, patrol
officer and local agency
security officer for the
Helotes Police Department, to the Texas State
Board of Pharmacy.
1 Regions Bank named
David House vice president, business banking.
1 Security Service Federal Credit Union named
Rick Ramirez vice president of operational accounting.
1 ABC Supply named
Rick Zuniga managing
partner.
Kin Man Hui / San Antonio Express-News
Spurs arena yielding no profit sharing
Bexar County’s revenue-sharing agreement with the Spurs, worked out during
1999 negotiations over building the team’s new home, has yet to benefit the county.
Under the deal, the county collects revenue from subsidiary Community Arena
Management and not the Spurs organization itself. Track the annual operating
incomes of the two groups with the charts accompanying Staff Writer Richard
Webner’s article on Express-News.com.
The open
enrollment
period for
Medicare
Advantage
and
prescription
drug plans
runs from
Thursday
through
Dec. 7.
File photo
MARK THE DATE: PERSONAL FINANCE
Oct. 15: Due date for those
who filed for an extension on
2014 income tax return; start of
open enrollment period for
Medicare Advantage and
Medicare prescription drug
coverage.
Nov. 1: Start of open enrollment period for health insurance purchased through
HealthCare.gov.
Nov. 26: Financial markets
closed in observance of
Thanksgiving; Gray Thursday
shopping day.
Nov. 27: Financial markets
close early at noon; Black
Friday shopping day.
Nov. 30: First payment due for
those using the half-payment
option; Cyber Monday shopping day.
Dec. 7: Last day of open enrollment period for Medicare
Advantage and Medicare
prescription drug coverage.
Dec. 15: Last day to enroll in or
change a HealthCare.gov plan
and have it take effect Jan. 1;
U.S. Postal Service’s recommended mail-by date for
on-time delivery of holiday
packages sent via standard
post.
Dec. 19: USPS’ recommended
mail-by date for on-time delivery of holiday cards and small
packages sent via first-class
mail.
Dec. 24: Financial markets
close early at noon; last shopping day before Christmas.
Dec. 25: Financial markets
closed in observance of Christmas.
Jan. 1: First day coverage
purchased through HealthCare.gov can begin for 2016;
Medicare Advantage and
prescription coverage changes
take effect; start of general
enrollment period for original
Medicare and disenrollment
period for Medicare Advantage;
Bexar Appraisal District determines ownership and value of
taxable property; financial
markets closed in observance
of New Year’s Day.
Jan. 15: Last day to enroll in or
change a HealthCare.gov plan
and have it take effect Feb. 1;
last installment of 2015 income
taxes due if not paying through
withholding..
Jan. 18: Financial markets
closed in observance of Martin
Luther King Jr. Day.
Jan. 31: Last day for open
enrollment period for HealthCare.gov coverage; first property tax payment on quarterly
plan due.
Feb. 1: Last day to pay 2015 tax
bill without penalty and interest since Jan. 31 falls on a
Sunday.
Feb. 14: Last day for Medicare
Advantage disenrollment
period.
Feb. 15: Financial markets
closed in observance of Washington’s Birthday.
Feb. 29: Last day of enrollment period for Texas Tuition
Promise Fund for most beneficiaries.
March 1: Coverage through
HealthCare.gov plans purchased between Jan. 16-31
takes effect.
March 25: Financial markets
closed in observance of Good
Friday.
March 31: Second property tax
payment on quarterly plan due;
last day for general enrollment
period for original Medicare.
April 1: Early collection fees of
15 to 20 percent may be imposed on personal property
accounts to offset collection
costs.
April 15: Due date for 2015
income tax return or application for a six-month extension;
first installment of estimated
2016 income taxes due if not
paying through withholding;
due date to file Schedule H
(Form 1040), Household Employment Taxes, with IRS;
rendition statements on all
personal property accounts
must be filed with the Bexar
Appraisal District.
April 30: Last day to file for a
homestead exemption application at Bexar Appraisal District.
May 1: Initial payment due for
Texas Tuition Promise Fund
accounts created during 201516 enrollment period.
May 28-30: Texas Energy Star
Sales Tax Holiday.
May 30: Financial markets
closed in observance of Memorial Day.
May 31: Third property tax
payment on quarterly plan due;
last day to appeal proposed
2016 property values with
Bexar Appraisal District.
June 15: Second installment of
2016 income taxes due if not
paying through withholding.
June 30: Second property tax
payment due for those using
the half-payment option; last
day to make a payment agreement to avoid attorney fees
(outside of an active lawsuit).
July 1: All delinquent Bexar tax
accounts for the current year
are turned over to the tax
attorneys for collection.
RECALL WRAPUP
Polaris dealers nationwide
from July 2014 through this
August. They include the RZR
900, RZR S 900, RZR 900 XC,
RZR 4 900, RZR XP 1000 and
RZR XP4 1000.
HIGHCHAIRS
Details: Safety 1st Décor Wood
highchairs in three models:
HC144BZF (Casablanca),
HC229CZF (Gentle Lace) and
HC229CYG (Black Lace). The
model numbers are printed
under the highchair seat.
“Safety 1st” is printed on the
front center of the tray. They
were sold at Babies R Us and
Toys R Us retail stores nationwide and online at www.Amazon.com, www.BabiesRUs.com, www.ToysRUs.com and
www.Walmart.com and other
online retailers from May 2013
through this May.
Why: A child can remove the
highchair’s tray, posing a fall
hazard.
For more: Call Safety 1st at
877-717-7823 from 7 a.m. to 4
p.m. Monday through Friday,
send an email to [email protected] or visit
www.safety1st.com and click
on “Safety Notices” at the top
of the page.
POP-UP HUNTING
BLINDS
Details: The blinds have a
spring-loaded steel frame and
a camouflage-colored heavyduty 150-denier nylon shell
with a full-side zipper door,
three large full-zip windows
and four porthole-style windows with shoot-through
mesh. The Guide Gear Ground
Pop-up Blinds measure 60” by
60” by 66” fully assembled
and weigh 20 pounds. They
were sold at The Sportsmans
Guide outlet stores and online
at www.sportsmansguide.com
Why: The vehicles’ fuel tank
vent line can be misrouted,
causing it to become pinched.
This can cause the fuel tank to
pressurize and leak fuel, posing
a fire hazard.
For more: Call Polaris at
888-704-5290 from 8 a.m. to
5 p.m. Monday through Friday
or visit www.polaris.com and
click on “Product Safety Recalls” under “Rider Community” at the bottom of the page.
U.S. Consumer Product Safety
Commission
Safety 1st is recalling its
Décor Wood highchairs.
from January 2013 through this
July.
Why: Blinds are not made of
flame-resistant materials,
posing a fire hazard.
For more: Call Sportsmans
Guide at 800-888-5222 from 7
a.m. to 7 p.m. Monday through
Friday or visit
www.sportsmansguide.com
and click on “Product Safety
Recalls” under “Customer
Service” at the bottom of the
page.
RECREATIONAL
OFF-HIGHWAY
VEHICLES
Details: Several model-year
2015 Polaris RZR recreational
off-highway vehicles sold at
YOUTH ALL-TERRAIN
VEHICLES
Details: Model-years 2015 and
2016 Youth Model Can-Am
TMDS 90TM and DS 90TMX
ATVs. The recalled vehicles
have an engine size of 90 cubic
centimeters. The vehicles
came in black and yellow.
“Can-Am DS” and the engine
size is painted in white on both
sides of the vehicle’s fairing.
“Can-Am” appears in white
letters on both sides of the
seat. They were sold at CanAm dealers nationwide from
May through September.
Why: The fuel filter can break
and leak, posing a fire hazard.
For more: Call BRP at 888272-9222 from 8 a.m. to 8 p.m.
Monday through Friday or visit
www.can-am.brp.com, click on
“Off Road,” then “Owners,”
“Safety” and then “Safety
Recalls.”
BED HANDLES
Details: Adult portable bed
handles sold by Bed Handles
Inc. from 1994 through 2007
that do not have safety retention straps to secure the
handle to the bed frame to
keep the handle from shifting
out of place and creating a
dangerous gap. Recalled models include the Original Bedside
Assistant (BA10W), the Travel
Handles (BA11W) which is sold
as a set of two bed handles,
and the Adjustable Bedside
Assistant (AJ1). They were sold
by home health care stores,
drug stores and medical equipment stores nationwide and in
home and health care catalogs
from January 1994 through
December 2007. The original
recall was announced May 20,
2014; it was reannounced in
September because of a response rate of less than 1
percent. The latest announcement was in response to reports of a fourth death.
Why: When attached to an
adult’s bed without the use of
safety retention straps, the
handle can shift out of place,
creating a dangerous gap
between it and the side of the
mattress. This poses a serious
risk of entrapment, strangulation and death.
For more: Call Bed Handles
Inc. at 800-725-6903 from
8:30 a.m. to 4:30 p.m. Monday
through Friday or visit
bedhandles.com and click on
“Pre-2007 Voluntary Product
Safety Recall Information” at
the bottom of the page.
Associated Press
BURNS
From page B1
lion peak in 2007, housing crashed and then
recovered, but just barely,
to $21.5 trillion, a gain of
3.9 percent. Things actually are a little better than
that because we also paid
down (or had foreclosed)
home mortgages. They
went from $10.6 trillion in
2007 to $9.4 trillion, a
decline of nearly 12 percent. So our houses are
worth a bit more and we
owe less on them.
But those figures don’t
sort out the churn. Some
people didn’t participate
in the recovery. They lost
their houses and became
renters. Others still may
be short of recovery,
having purchased close
to the market peak. But if
you bought your home
well before 2007 (the
earlier the better), you’ve
probably got more equity
than you thought you
had in 2007.
Another wrinkle is
that the Federal Reserve
figures indicate a recovery nationally, but it really depends on where you
live. According to the
Case-Shiller indexes, Las
Vegas, Phoenix and Miami still are far below
their peak in the bubble.
San Francisco is just
short of recovered. Los
Angeles has only 13 percent to go. Denver and
Dallas, on the other
hand, never crashed.
They are up a healthy,
but not worrisome,
amount.
We may have the same
amount of money in our
homes collectively, but it
has moved into different
pockets.
1 Holdings in individual
stocks are up. The value
of the stocks we hold is
Figures indicate a
(housing) recovery
nationally, but it
really depends on
where you live.
up a handsome 36 percent, from $9.9 trillion to
$13.5 trillion. But that’s
another distribution
story. Most people don’t
own individual stocks, so
the major beneficiaries of
individual stock ownership are the big dogs.
1 Mutual funds are up,
too. The best news is
here. The value of mutual
funds we collectively own
has risen from $4.6 trillion to $7.8 trillion, more
than 65 percent. With a
multitude of 401(k),
403(b) and IRA accounts
out there, this is where
it’s difficult to argue that
only the rich are getting
richer. Lots of regular
working stiffs have been
getting richer, too.
Another interesting
change is that houses
have dropped from 25.5
percent of our total assets
to 21.3 percent. Mutual
funds have increased
from 5.7 percent to 8.3
percent. That’s a good
thing. It means we’re
collectively less dependent on housing for our
sense of personal wealth.
Questions about personal
finance and investments
may be sent by email to
[email protected] Visit
www.assetbuilder.com to
comment on any of his
articles, to find referenced
Web links or to discuss
personal finance topics on
his forums. Questions of
general interest will be
answered in future columns
and on the website.
Life Tributes
Monday, October 12, 2015 | PAGE B 4 | SAN ANTONIO EXPRESS-NEWS
McCrystal taught English, loved animals
By Richard Webner
Irene
McCrystal’s
teaching career
ran 37 years. She
retired from San
Antonio College
in 1991.
STA FF W RI T E R
Irene McCrystal, a longtime
English professor at San Antonio College who wrote books
about the Civil War, died Oct.
4 in San Antonio. She was 89.
McCrystal, who was born in
Massachusetts, spent nine
years as a nun before leaving
the sisterhood and becoming a
professor, friend Catherine
Laidig said.
She started her career at
Marymount College of Kansas
and taught for 37 years before
retiring from San Antonio
College in 1991.
At her corral at Medina
Lake, McCrystal indulged in
her love of animals, taking
care of birds, dogs, cats and a
donkey. One of her books,
“Sunshine in a Cup,” is a collection of stories about her
pets, whom she refers to as
“the troops.”
Another one of her books is
about Mary Surratt, who was
convicted and hanged in 1865
for her involvement in the
assassination of President
Abraham Lincoln. The book is
a “spirited defense” of Surratt,
examining her through a feminist lens, said John Igo, who
taught with McCrystal at San
Antonio College.
McCrystal was a reserved
person, “known well only to
those closest to her,” according
to an obituary she wrote for
herself.
She was a compassionate
person who would make a
point of befriending people
with troubles, Igo said.
“She dumped compassion
on anyone who needed it,” Igo
said.
She was also a passionate
member of the faculty Senate
at the college, fighting for
more faculty control over evaluations, promotions and com-
OBITUARY INDEX
Nentwich, Carl
Ortiz, Eugenia
Pool, Betty
Pruski, Vernon
Tuttle, Meda
FRANK SALAZAR BARRERA
July 29, 1928 - October 6, 2015
Born: Nov. 25, 1925, Medford,
Massachusetts
and brother Maj. William F.
McCrystal Jr.
Died: Oct. 4, 2015, San Antonio
Survivors: A nephew, one grandnephew and several cousins.
Preceded by: Parents Col. and
Mrs. William F. McCrystal Sr.,
sister Shirley McCrystal Walsh
mittee appointments, her
friends said. Her wit and intelligence made her a favorite
among students.
McCrystal’s teaching style
was to confide in students, “as
in, ‘This is what I know, this is
what I’ve learned, and I’m
going to share it with you,’”
Igo said.
Another passion for
McCrystal was travel. She
made visits to Africa, Alaska,
Canada and Europe, and she
once kayaked from Maine to
Cape Cod. She kept vacation
homes in Bandera and Rockport.
She filled her time with
other hobbies: She played the
Service: Private ceremony
planned.
piano, mandolin and violin,
and in later years she took up
painting, favoring images of
animals and water, Laidig
said.
McCrystal suffered from
dementia in the years before
her death. Her ailment forced
her to leave her corral in 2011
to live in a travel trailer on a
friend’s property, Laidig said.
After taking some falls, she
moved into hospice care.
Even after leaving the sisterhood, McCrystal remained
religious and was a member of
the Episcopal Church.
Mr. Randall "Randy" Conway
Burkey of Doss, Texas formerly of
San Antonio, Texas passed away
at his home on Saturday, October
10th, 2015 at the age of 91 years.
He was born September 21st, 1924
in Cincinnati, Ohio, the son of
George Randall Burkey and Mary
Ellen Purdum Burkey, served in the
united States Marine Corp., from
April 21st, 1943 to November 19th,
1945, married Jacqueline Rebholz
on January 12th, 1947, she
preceded his in death 1979, Randy
married Audelle Woerner on April
10th, 1982 in Comfort, Texas,
owned and operated his own
business, Randall Burkey Company
in San Antonio for 42 years.
He preceded in death by his
parents, first wife Jackie, and by a
sister Betty Patton,
Linda Ramirez, Margaret Gaitan
(Thomas), Peter Barrera (Nora),
and Virginia Garcia (Benito); 14
grandchildren; 12
great-grandchildren. Visitation will
be held at Castillo Mission Funeral
Home, from 1 p.m.- 9 p.m.,
Sunday, October 11, 2015, with a
Rosary to be recited at 7 p.m.
Procession departs at 9:00 a.m. on
Monday, October 12, 2015, for a
9:30 a.m. Mass at St. John
Berchmans, 1147 Cupples Road.
Interment will be followed at Fort
Sam Houston National Cemetery.
Services under the direction of
Castillo Mission Funeral Home.
MANUEL J. (PIPO) JIMENEZ
December 25, 1927 - October 8, 2015
Funeral services for Randy Burkey
will be held on Tuesday, October
13th, 2015 at 2:00 P. M. in the St.
Peter Lutheran Church in Doss,
Texas, with Pastor Mark A. Ward
and Pastor Jim Holt officiating.
Graveside services and interment
will follow in the St. Peter Lutheran
Church Cemetery in Doss, with
Military Honors.
Visitation for Randy Burkey will be
on Monday afternoon from 5 to
7:00 P.M. and on Tuesday morning
from 7:00 A.M. to 12 Noon in the
Schaetter Funeral Home in
Fredericksburg, and from 1 to 2:00
P. M. in the St. Peter Lutheran
Church in Doss, Texas.
Expressions of sympathy may be
sent at www.schaetter.com
Arrangements are by the Schaetter
Funeral Home of Fredericksburg
JOHN E. JOLLEY "POP"
June 16, 1936 - October 9, 2015
John E. Jolley born in Columbus,
Ohio went to be with the Lord on
October 9, 2015 at the age of 79.
He is preceded in death by his
parents Joe & Helen Holt; wives
Mary Jolley and Dolores Jolley. He
is survived by his son Phillip Jolley;
daughter Deborah Reeh. John was
a truck driver for Southern Pacific
for many years. He loved to fish
and build things. Everyone knew
him as "Pop". He was a very giving
and helpful man, never turning
anyone down. John was
considered a true man and was
loved by many. We will miss you
"Pop"! A visitation will be from 5:00
p.m. - 8:00 p.m. on Tuesday,
October 13, 2015 at Mission Park
Funeral Chapels South. His life will
be celebrated with a Chapel
Service on Wednesday, October
14, 2015 at 3:00 p.m., at Mission
Park Funeral Chapels South.
Interment to follow at Mission Burial
Park South.
BETTY JEAN POOL
February 19, 1937 - October 10, 2015
Betty Jean Pool went to be with the
Lord on October 10, 2015 at the
age of 78. She is preceded in
death by her parents Bernice and
Erby Blackstock. Betty is survived
by her husband Billy; son Larry
(Sharon); grandson Robert Pool
(Amanda); grandson Bradley Pool
(Stephanie); great-grandsons
Wesley, Beau and Elliot.
SERVICES
Visitation will be Tuesday, October
13, 2015 from 5:00 - 8:00 P.M. at
Mission Park Funeral Chapels
South. Funeral Service will be
Wednesday, October 14, 2015 at
11:00 A.M. at Mission Parks
Funeral Chapels South interment
will follow in Mission Burial Park
South. For personal
acknowledgment you may sign the
guest book at
www.missionparks.com in the
obituary section.
MARVIN LURY LEE
CARL ALBERT NENTWICH
October 21, 1929 - October 7, 2015
January 27, 1941 - October 5, 2015
Marvin Lury Lee was born on
October 21, 1929 and went to be
with the Lord on October 7, 2015 at
the age of 85. He is preceded in
death by his father Henry, mother
Florence and sister Izetta Leibham.
He is survived by his loving wife of
58 years Nancy Lee, his daughters
Cindy Jean Fearon and Suzanne
Levan, grandchildren Stephanie
Plaza, Dustin Levan, Stevland
Garza, Victoria Waite, Quinten
Fearon, Randall Levan, Nick
Fearon and Valeria Levan, and
great-grandchildren Said Garza,
Penelope Levan, Preslee Waite,
Kaylee Waite, Oliver Garza, Olivia
Levan and Birdie Kay Garza.
Marvin proudly served and retired
from the United States Coast
Guard after 21 years followed by
more than 20 years of civil service
at Wilford Hall Medical Center. For
more than 43 years Marvin shared
his love for the Lord with his
church family at Lackland Baptist
Church. He will be dearly missed
by all who knew and loved him.
Visitation will be held Tuesday,
October 13, 2015 at Mission Park
Funeral Chapels South from 7PM
to 8:30PM. Funeral Service will be
held 10:00 AM Wednesday,
October 14, 2015 at Lackland
Baptist Church at 2718 Frontier,
followed by interment in Mission
Burial Park South.
July 16, 1946 - October 9, 2015
Church and gave numerous
anonymous donations. In his
younger years he played baseball
for the Old Spanish American
League. Pipo was a wonderful
loving, generous, supportive person
who was always there to lend a
helping hand. He loved to dance,
listen to his juke box, he raised
chickens and only he could feed
them, he enjoyed watching old
western movies and sports
channels, he loved being around
family and friends. Daddy we love
you. You will be greatly missed but,
never forgotten and you will forever
be in our hearts.
SERVICE
Visitation will be on Wednesday,
October 14, 2015 from 5:00-9:00
P.M. with a Rosary to be recited at
7:00 P.M at Mission Park Funeral
Chapels South. Funeral Service will
be Thursday, October 15, 2015 at
10:00 A.M. at Our Lady of Mt.
Carmel Catholic Church-Losoya
18555 Leal Rd. San Antonio, TX
78221 with interment to follow at El
Carmen Cemetery. For personal
acknowledgment you may sign the
guest book at
www.missionparks.com in the
obituary section.
Washington Post
Those who so desire may make
memorial contributions in his
memory to the St. Peter Lutheran
Church, Doss Volunteer Fire Dept.,
Wounded Worriers, or to the charity
of their choice.
PHYLLIS ANN MASSENGALE
Manuel J. Jimenez, born December
25, 1927, affectionately known to
family and friends simply as "Pipo"
He began his eternal service to the
Lord, our Father, in heaven, on
October 8, 2015 at the age of 87.
He was reunited with his beloved
parents, Manuel J. Jimenez, Joe
and Nora Viagran Rios, daughter
Cindy J. Sotello, granddaughter
Denise Quintero, and sister
Yolanda R. Perez. He is survived
by his beloved sons Manuel C.
Jimenez, Robert J. Jimenez, and
Albert T.(Pam) Jimenez, mother of
his children Louisa T. Jimenez,
grandchildren Aaron, Vanessa,
Manuel Jesse, Robert Jr., Jennifer,
Isabel, Joseph, Christopher, Gilbert,
Crystal, Aerika, Alyxas, Austyn,
Albert, and numerous
great-grandchildern, uncle, aunt,
nieces, nephews, cousins and a
host of friends. A proud Veteran he
served his country in the Korean
War in the U.S Army, and
dedicated 36 years of civil service
Kelly AFB. He founded his own
business Pipo’s Lounge since 1983
in Losoya,Tx. In addition to his
dedicated service to his country
and city, he devoted his time to the
GrandHumanica’s in El Carmen
Jerry Parr, a quick-thinking
and fast-moving Secret Service
agent who was credited with
saving the life of President
Ronald Reagan after the 1981
assassination attempt, died
Friday in Washington at 85.
Parr had been an electric
power lineman before his Secret Service years, and he was a
clergyman in retirement. He
was best known for the fraught
moments after gunfire erupted
March 30, 1981, in Washington.
Parr pushed the president into
an awaiting limousine.
He immediately ordered that
the limo be driven to George
Washington University Hospital instead of the White House.
The president survived, but he
had a close call.
Over the years, Parr provided security for some of the
world’s most prominent figures. His career took him to all
50 states and 37 countries.
[email protected]
Twitter: @rwebner
RANDALL "RANDY" CONWAY BURKEY
Randy is survived by his wife
Audelle Woerner Burkey of Doss,
their children & spouses, Ronald &
Edith Burkey of Boerne, Texas,
Janice & Rev. Jim Holt of Comfort,
Texas, Robert & Molly Burkey of
San Antonio, Troy Hagel of New
Braunfels, Texas, Kim & Major Self
of Corpus Christi, Texas, Lori & Bill
Pieratt of College Station, Texas,
12 grandchildren and 16 great
grandchildren
Frank Salazar Barrera was called
home by the Lord on October 6,
2015, at the age of 87. He was
born in San Antonio, Texas, on
July 29, 1928. Frank proudly
served his country in the United
States Air Force, and dutifully gave
29 years of service to Kelly Air
Force Base. He and his loving wife
of 63 years, Mary Lou, who
preceded him in death, were active
members of their home parish.
During his service to God, Frank
served through the Cursillistas
movement, and served many years
as an officer in the Knights of
Columbus. Frank is survived by his
children, Patricia Garcia (Jose),
Agent Parr saved
Reagan’s life in 1981
Dr. Irene McCrystal
September 21, 1924 - October 10, 2015
Barrera, Frank
Burkey, Randall
Jimenez, Manuel
Jolley, John
Lee, Marvin
Massengale, Phyllis
NOTABLE
PASSINGS
Phyllis Ann Massengale, CPA
(retired), age 69, died on October
9, 2015. l am NOT gone to meet
my maker or anyone else; I am
simply dead. Forever.
The Younger of identical twins, l
was born on July 16, 1946, in San
Antonio. I was a CPA and a
graduate of UTSA (1976). Women’s
rights were my main concern. l held
many volunteer offices, including
President of: San Antonio Desk &
Derrick Club (1982), and Region IV
Director (TX and AR) (1983):
American Society of Women
Accountants San Antonio Chapter
(1992); Mission City Business and
Professional Womeǹs Club (1997);
Friends of McCreless Library
(1999); and all offices except
President of the Women’s Political
Caucus of Bexar County. l was also
a long-time board member of
Planned Parenthood of San
Antonio and South Central Texas,
and 2001 recipient of their award
for Volunteer Excellence. I was a
card-carrying member of many
liberal-leaning organizations from
Americans United for the
Separation of Church and State all
the way through the alphabet to the
War Resisters League.
l am survived by mother, Pauline
Stout, son Paul, sister Paula, half
brother Jack Stout and his wife
Betty, and many close and helpful
friends, especially Melinda Gaul
and Yulanee McKnight.
I will be cremated by Mission
Funeral Home. A memorial
celebration will be held at a time
and place to be determined.
Memorial gifts may be made to
Planned Parenthood Trust of San
Antonio, 104 Babcock Rd, 78201.
Carl Albert Nentwich passed away
peacefully on October 5, 2015 after
a long and courageous battle with
Parkinson’s Disease and FXTAS.
Carl was born on January 27, 1941
in San Antonio, Texas to Thekla
(Weilbacher) and Arthur Nentwich.
He grew up on the family ranch in
southwest Bexar County near
Macdona, Texas. He was always
very proud of his heritage as part
of a pioneer ranching family.
Carl graduated from Southwest
High School as valedictorian at the
young age of sixteen. Afterward, he
attended preparatory school and
Texas Lutheran University until he
was old enough to enroll at the
University of Texas. He graduated
from UT with a BS in Civil
Engineering in 1962 and a Master
of Business Administration in 1963.
While at UT, he served as
President of the Sigma Nu
fraternity, Vice President of the
Student Assembly, and was a
member of the Texas Cowboys and
several honor societies.
Early in his career, Carl worked in
real estate development for the Del
Webb Corporation in their Houston
and Chicago offices. In 1966, he
returned to San Antonio and began
a 42-year career as a real estate
appraiser and broker. Carl was
very active in the San Antonio
Board of Realtors, receiving
numerous awards and
commendations including
"Salesman of the Year" and
"Broker of the Year." He served as
President of SABOR in 1979 and
continued as an active member of
the Government Affairs Committee
for 30 years thereafter. Additionally,
he served on the boards and
committees of many other
organizations including The Greater
San Antonio Chamber of
Commerce, American Institute of
Real Estate Appraisers, Greater
Edwards Aquifer Alliance, Paseo
Del Rio Association, San Antonio
Conservation Society, Bexar
Appraisal District’s Appraisal
Review Board, Texas Associations
of Professionals FCU, Southside
Chamber of Commerce, Texas
Wildlife Association, San Antonio
Livestock Exposition, YMCA,
Make-A-Wish Foundation, and Any
Baby Can. Other community
memberships included the San
Antonio German Club, South Texas
Area Farm and Ranch Club (Vice
President), and Saint John’s
Episcopal Church (New Braunfels).
Those closest to Carl will most
fondly remember his passion for
hunting, his love of gardening, his
devotion to the Texas Longhorns,
and his undying love of the San
Antonio Spurs.
Carl is preceded in death by his
parents. He is survived by his
daughters and their husbands: Cory
and Phil Bakke, Cindy and Jimmy
Bartz (Los Angeles), and Courtney
and Scott Storment; and his
grandchildren: Brandt Bakke, West
Bakke, Jas Bartz, Jade Bartz,
Abbie Storment and Caroline
Storment. He is also survived by
his sisters and brothers-in-law, Kitty
and Ernest Janiga, and Lucy and
Sidney Alderman (Sausalito, CA);
and along with many more nieces,
nephews and cousins. Carl is also
survived by his loving companion of
the past seven years, Helen Nolen,
of New Braunfels.
The family would like to express
their heartfelt thanks for Carl’s
devoted caregivers, especially
Spring Dyer, Victoria Garza, Sarah
Jackson, Louise Johnson, Heather
Langston, Lori Lopez, Debra
Patterson, Priscilla Villarreal, and
Angelia Yancey. They are also very
grateful to Hope Hospice for their
loving care of Carl during his final
weeks.
MEMORIAL SERVICE
TUESDAY, OCTOBER 13, 2015
11:00 AM
ST. LUKE’S EPISCOPAL CHURCH
11 ST. LUKE’S LANE
The Reverends David Read, James
P. Bartz and Ripp Hardaway
officiating. In lieu of flowers, the
family requests donations to one of
the following organizations or to the
charity of your choice: San Antonio
Botanical Garden, 555 Funston
Place, San Antonio, Texas 78209;
Texas Exes, P.O. Box 142309,
Austin, TX 78714; or UT Health
Science Center, San Antonio Office
of Institutional Advancement, 7703
Floyd Curl Drive, San Antonio,
Texas 78229-3900.
You are invited to sign
The guestbook at
www.porterloring.com
Arrangements with
SAN ANTONIO EXPRESS-NEWS AND MYSA.COM | Monday, October 12, 2015 |
B5
BUSINESS
Education debts now
spanning generations
LOANS
From page B1
pensated for that. This is the
fault of servicers, but it’s also
the fault of the (Education
Department) for not writing
this into their contracts.”
Denise Horn, a spokeswoman for the Education Department, said the agency continues to strengthen the federal
direct loan program “to ensure
all students and families receive the highest quality support from their federal loan
servicers.”
She added: “Everyone needs
to do more to protect student
loan borrowers — including
servicers — and we’ll continue
to take steps to strengthen the
program and enhance oversight.”
A recent questionnaire by
Young Invincibles, a nonprofit
advocacy group, points to
some of the weaknesses in
student loan servicing.
One common borrower complaint among the roughly 1,200
people who responded to the
survey was that servicers simply fail to follow instructions.
Borrowers hoping to reduce
both the cost and the length of
their repayment period, for
example, often ask servicers to
steer payments toward highercost loans first. In a number of
cases, recipients said, the companies ignored these requests.
“For servicers to ignore or
do the opposite thing that a
borrower would request is
indicative of something very
negative going on in the industry,” said Jennifer Wang,
policy director at Young Invincibles.
Improper levying of late fees
was another practice cited by
those shouldering student
loans. So were losing paperwork and making repeated
requests for documentation.
Perhaps the biggest problem
TAXES
From page B1
erty is located.
5. A typical property is taxed
by several local entities such
as a county, a city, a public
school district, a college district, a hospital district.
6. It’s most likely too late to
By Josh Boak
A SSOCIAT ED PRE SS
Associated Press / File photo
Student loan borrowers are experiencing high distress levels
compared with borrowers with other types of consumer debt.
cited by borrowers and their
advocates was the failure of
student loan servicers to advise their customers of the full
array of repayment plans available to them. In many cases,
this means borrowers don’t
know they are eligible for loan
relief and so don’t receive it.
Such relief includes repayment plans for federal loans
based on a borrower’s income
and family size, or debt forgiveness programs for borrowers who work in public service. Military service members
also have a right to a lower
interest rate while they are on
active duty.
But many eligible borrowers
don’t hear about these options,
advocates say. An August report from the Government
Accountability Office estimated that 51 percent of student
loan borrowers nationwide are
eligible for income-based repayment plans, but only 15
percent are enrolled.
Rather than offer one of
these programs, servicers
often suggest loan forbearance,
in which the borrower stops
making payments temporarily.
But because interest keeps
piling up on the loan during
the forbearance period, this is
an expensive alternative. And
some private student loan
servicers charge a $150 fee to
put an account into forbearance.
Servicers say the complexity
of federal student loan arrangements creates problems
both for their workers who
must try to explain these deals
and for borrowers who need to
understand them. But servicers receive $600 million a year
for their work, and explaining
loan terms is surely one of the
jobs they are being paid to
perform.
“For a servicer to see a student loan borrower struggle
and not help them get into the
right repayment plan is a huge
customer service failure,”
Wang said.
fight the bill if you think your
property’s valuation is too
high. With the exception of a
handful of special circumstances, the deadline to contest
property values was May 31.
courthouse steps across the
state because of unpaid property taxes.
7. Unpaid property taxes can
lead to foreclosure. Thousands
of homes, commercial properties and land parcels are auctioned each month on county
8. Not receiving a tax statement from your county doesn’t
get you off the hook. Texas law
says property owners are responsible for paying the bill
even if the owner doesn’t receive it. Those who don’t receive a bill by Nov. 1 should
WASHINGTON — A college
degree practically stamped Andres Aguirre’s ticket to the middle class. Yet at age 40, he’s still
paying the price of admission.
After a decade of repayments,
Aguirre still diverts $512 a
month to loans and owes
$20,000.
The expense requires his
family to rent an apartment in
Campbell, California, because
buying a home in a decent
school district would cost too
much. His daughter has excelled
in high school, but Aguirre has
urged her to attend community
college to avoid the debt that
ensnared him.
“I didn’t get the warmest
reception on that,” said Aguirre,
a health care manager. “But she
understands the choice.”
America’s crushing surge of
student debt, now at $1.2 trillion,
has bred a disturbing new phenomenon: School loans that
span multiple generations within families. Weighed down by
their own loans, many parents
lack the means to fund their
children’s educations without
sinking even deeper into debt.
Data analyzed by the Associated Press, along with surveys
about families and rising student debt loads, show that:
1 Student debt is surpassing
groceries as a primary expense,
with the gap widening most for
younger families. The average
college-educated head of household under 40 owes $404 a
month in student debt payments. That’s slightly more than
what the government says the
average college-educated family
spends at the supermarket.
1 School loans increasingly
contact their local tax assessor-collector.
9. According to the Tax Foundation, an independent research organization, Texas’
effective property tax rates for
homeowners are the sixthhighest of all 50 states.
10. More than 4,000 local governments levy property taxes
in Texas. Combined, they lev-
belong to Americans over 40.
This group accounts for 35 percent of education debt, up from
25 percent in 2004. Contributing
to this surge: Longer repayment
schedules, more midcareer
workers returning to school and
additional borrowing for children’s education.
1 Generation X adults — those
35 to 50 years old — owe about
as much as people fresh out of
college do. Student loan balances average $20,000 for Generation X. Millennials, who are 34
and younger, have roughly the
same average debt.
1 Gen-X parents who carry
student debt and have teenage
children have struggled to save
for their children’s educations.
The average they have in college
savings plans is just $4,000,
compared with a $20,000 average for teenagers’ parents who
aren’t still repaying their own
school loans. A result is that
many of their children will need
to borrow heavily for college,
thereby perpetuating a cycle of
family debt.
The multigenerational debt
cycle reflects a rush to pursue
college as a path to middle-class
security. Roughly 25 years ago,
federal policies began encouraging borrowing on a mass scale to
cover soaring college costs. Policymakers figured borrowers
could afford the debt because
college degrees would all but
guarantee comfortable incomes.
The reality played out somewhat differently.
Roughly 6 million Gen-X
households still owe student
debt. Some, like Aguirre, are
forgoing homeownership. Others have moved to remote
stretches of the country to qualify for loan forgiveness programs.
ied more than $45 billion in
property taxes in fiscal 2013,
according to the Texas Public
Policy Foundation.
Mary Belan Doggett is vice
president and division general
counsel at San Antonio-based
Propel Financial Services, which
provides property tax lien
financing solutions to property
owners throughout Texas.
EUGENIA C. ORTIZ
MEDA JEAN MASSIE TUTTLE
December 20, 1932 - October 8, 2015
August 19, 1955 - October 9, 2015
VERNON ANTHONY PRUSKI
March 14, 1948 - October 9, 2015
Eugenia C. Ortiz, born December
20, 1932 in México, was called
home to be with the Lord on
October 8, 2015 at the blessed age
of 82. She is reunited in heaven
with her husband Isidro R. Ortiz;
parents Benjamin and Tomasa
Cruz. She is loved and will be
greatly missed by her children Ana
Maria Perez, Jose Ortiz, Isidro Raul
Ortiz, Rogelio Ortiz, Jesus Javier
Ortiz (Elsa), Martha Eugenia
Espinoza (Roberto), Hector Ortiz;
numerous grandchildren; 2
great-grandchildren; brothers Dario
and Efrain Cruz, as well as
extended family members. Heaven
has gained a treasured soul. She
will live forever in the hearts of her
family and friends.
SERVICES
Visitation will be held on Tuesday,
October 13, 2015 from 1:00 PM 9:00 PM with a rosary at 7:00 PM
at Castillo Mission Funeral Home.
Procession will depart from the
funeral home on Wednesday,
October 14, 2015 at 9:30 AM for a
10:00 AM Mass at Sacred Heart
Catholic Church. Interment to follow
at San Fernando Cemetery II.
The San Antonio
Angel of Hope Foundation
In remembrance of
Our Little Angels
Vernon Anthony Pruski, 67, of San
Antonio, Texas passed away
peacefully on Friday, October 9,
2015. He was born on March 14,
1948 in Wilson County. He married
Alene (Sami) Wiatrek on October
24, 1970. He is preceded in death
by his wife Sami, parents Henry
and Magdalene Pawlik Pruski,
in-laws Benedict and Susie Lyssy
Wiatrek, and brother, Eldren Pruski.
He is survived by a daughter,
Debbie Moy and husband Jason,
son, Daryl Pruski and wife Jennifer,
grandchildren, Trevor and Kyle
Moy, and Tate and Addison Pruski;
brothers, Edward (Annie), Jerry
(Marilyn), Lloyd (Bernadette), Frank
(Kim), and Glen (Wendy); sisters,
Mary Walker (Rob) and JoAnn
Otero (Salo); sisters-in-law,
Lorraine Pruski, Jane Hosek
(Daniel), Lorene Wiatrek (Virgil),
and Bernice Pruski (Adrian);
brothers-in-law, Wilfred Wiatrek
(Micki), Benedict Wiatrek Jr. (Jane),
Harvey Wiatrek (Maggie) and Allan
Wiatrek (Vernell); numerous
awesome nieces and nephews. He
will be missed by his friends and
family for his love of life and
contagious smile. A Rosary service
was held on Sunday, October 11,
2015 at the Holy Name Catholic
Church in San Antonio. Father
Martin Parayno celebrated a
Funeral Mass on Monday, October
12, 2015 at the church. Interment
followed at the St. Ann’s Catholic
Cemetery in Kosciusko. In lieu of
flowers, memorial donations can be
made to the Father Leopold
Moczygemba Foundation, P.O. Box
9, Panna Maria, TX 78144. Online
guestbook may be signed at
www.finchfuneralchapels.com.
An educator and voracious reader,
Jeanie blessed and enriched the
lives of thousands of students over
her 37 years in teaching. She
taught at Christian Heritage School
and Garner Middle School in San
Antonio, Texas and at Covington
Middle School in Austin, Texas and
then was the school librarian at
Sunset Valley Elementary and
Clayton Elementary in Austin,
Texas. In 2013, Jeanie was
selected as the Austin Independent
School District Elementary School
Librarian of the Year.
Honor Their Legacy
A tribute to all
children in heaven.
(210) 651-1904
www.saangelofhope.org
Meda Jean Massie Tuttle, "Jeanie"
to all who knew and loved her- was
a force of nature and a bright light
of love, joy and faith to all who
ever had the honor of being in her
presence. She left this home for
one more eternal on October 9,
2015, at the age of 60.
Born August 19, 1955, to Rose and
Ludy Massie of Lubbock, Texas,
Jeanie was the much adored baby
sister to two older sisters and two
older brothers. She never lacked
for playmates, babysitters or people
to blame their missteps on her.
"Jeanie did it!" was a common
refrain in the Massie house and
became an all-purpose punchline
as the kids became adults and the
family grew. She bore it as she did
most everything in life: with a loud
laugh and a witty comeback. She
grew up learning to love cooking,
games, and crafting from her
mother and inherited her ear for
music and love of singing from her
father.
Jeanie received her education at
Lubbock Christian Schools and
Lubbock Christian College. She
graduated from LCC in 1977 with a
Bachelor’s Degree in Education
and received additional
certifications from Texas Tech
University, Southwest Texas State
University and San Antonio
Community College. She later
obtained her Masters in Library
Science from the University of
Texas in 1992.
Commemorate your loved one by sharing
memorable moments and supporting each
other during this difficult time.
Celebrate the lives that have meant so much
to you in the online guest book.
mySA.com/LifeTributes
For all of her many
accomplishments, the pride and joy
of Jeanie’s life was her family.
Jeanie married Charles Lee Tuttle
on June 23, 1989 in San Antonio,
Texas. Together they loved and
raised two children; Haylie Rose,
born in 1996, and Charles Tyler,
born in 1997. Jeanie thrived in her
roles of wife and mother and loved
nothing more than to be with her
family. Jeanie and Charlie built for
their children a home that has been
full of love, laughter, music,
delicious food, stacks of books and
movies, and that has a strong
foundation of faith and hope in
Jesus Christ.
Jeanie is preceded in death by her
parents, Ludy and Rose Massie;
two sisters, Jana Lynn Massie
Paterson and Marta Gail Massie
Fenter; and one nephew, Neal
Taylor Massie.
She is survived by her husband,
Charles Tuttle of Buda, Texas; her
children, Haylie Rose and Charles
Tyler, and her goddaughter, Zoe
Scott, all students at Texas A&M
University; her brother, Lloyd
Massie, and his wife Pam, of Hutto,
Texas; her brother, Terry Massie,
and his wife, Pati, of Lubbock,
Texas; her brother-in-law, Randy
Fenter, and his wife, Karen, of
Cedar Park, Texas; her
brother-in-law, Graham Paterson,
and his wife, Anna, of Tucson,
Arizona; her mother-in-law, Debbie
Tuttle, of Midland, Texas; her
father-in-law, Charles W. Tuttle, of
Poteet, Texas; her brother-in-law,
Raland Tuttle, and his wife, Julie,
of Midland, Texas; sister-in-law,
Stephanie Washington,and her
husband, Brian, of N. Charleston,
South Carolina; sister-in-law,
Tammy Hoogerwerf, of Lewisville,
Texas; 20 nieces and nephews, 18
great-nieces and great-nephews;
and many cousins and friends.
Over her six decades of life, Jeanie
Tuttle changed the world for the
better. She was an exemplary wife
and mother, a devoted daughter, a
loyal sister and friend, a funny and
generous aunt, and a dedicated
teacher. Jeanie touched the lives of
everyone she met- she was
stunningly generous with her time
and her knowledge; she was
outrageously funny and loved to
laugh; she was tenderhearted,
compassionate and a terrific
caretaker. When she was
diagnosed with ALS, Jeanie did not
waiver in her faith nor lose her
hope or her joy. She continued to
encourage and support those
around her and to give thanks for
her beautiful life and her family with
a twinkle in her eye and a smile on
her face. All who knew her will
miss her exuberant laughter, her
distinctively beautiful alto voice, her
strong bear hugs and her bigger
than life presence. However, we
know that when all is said and
done, when we look for a life and a
faith that was well and joyously
lived, the only thing to say is,
"Jeanie did it!" All praise to God!
A Celebration of Life service will be
held at 1:00PM on Saturday,
October 17, 2015 at Beck Funeral
Home, 1700 East Whitestone Blvd.
(FM 1431), Cedar Park, Texas
78613.
Personal words of comfort and
memories may be shared with the
Tuttle family at our online
guestbook at
www.beckchapels.com.
B6 | Monday, October 12, 2015 | SAN ANTONIO EXPRESS-NEWS AND MYSA.COM
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Red McCombs Ford
grand opening event
Red McCombs Ford celebrated their grand opening on Wednesday,
Oct. 7 from 2 to 3 p.m. at their Interstate 10 and Callaghan Road
location. A ribbon-cutting ceremony with owner Marsha Shields, Red
McCombs, employees and community members was held at 2:30
p.m. The San Antonio Chamber of Commerce, Hispanic Chamber of
Commerce and North San Antonio Chamber of Commerce also were on
hand to celebrate this latest achievement.
Red McCombs is the founder of the Red McCombs Automotive
Group. He has been recognized as one of the leading automobile
dealers in the United States. Red has served two terms as chairman of
the Ford Dealer Council, and consistently ranked in
the Top 100 Dealers in the United States. He also
has been inducted into the National Automobile
Dealers Association Hall of Fame.
Red McCombs Ford has been voted the best
workplace in San Antonio by employees for the
last five years and has been the recipient of the
prestigious Ford Presidents Award.
The dealership also held a black tie affair for
customers on Friday, Oct. 9 from 5 to 8 p.m.
— Provided by Red McCombs Ford
VOLKSWAGEN
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2015 Volkswagen CC Sport
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2014 Chevy Camaro
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ZBGH<7SLNC pN>:JMJNO a>N{b7CNO
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2012 VW GLI Autobahn
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2013 VW CC Sport
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Some restrictions may apply. See dealer for details. Offer ends 10/31/2015.
IH10 West @ Dominion Drive
VOLKSWAGEN
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*Per Retail Sales Reported to Volkswagen During August.
Art for illustration purposes only. Offer ends 10/31/2015.
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Monday, October 12, 2015
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! 4.6L 301HP V8 Engine
! Full-Time 4wd
! Kinetic Dynamic Suspension System
! Lexus Premium Display Audio
! HD Radio w/subscription-free traffic
and weather updates & iTunes Tagging
! Bluetooth
! Backup Camera
1.9%
499
1.9%
PER MONTH / 36 MONTHS
28 MPG CITY
LEASE FOR
$
$
LEXUS RC 350
2015
29 MPG HWY
LEASE FOR
599
$2,988 Total Due Plus First Payment, Taxes, Registration
And Dealer Fees with qualified credit. 10,000 miles per
year. MSRP $45,254. Payments based on tier 1+ credit, POSTED SALE
$0 security deposit due at s igning.
PRICE $43,793
APR
PER MONTH / 36 MONTHS
LEXUS GS 350
2015
! 12.3 Navigation/Multi-Media Display Screen
! New Interior/Exterior Lexus Styling
! All New Performance Based Suspension
! IIHS Top Safety Pick ! HD Navigation
! 3.5L 306 HP V-6 Engine
! Lexus Audio w/XM & Bluetooth
! One Touch Power Moonroof
! Rear Backup Camera/Monitor
25 MPG CITY
LEASE FOR
$2598 Total Due Plus First Payment,Taxes, Registration And Dealer Fees with qualified
credit. 10,000 miles per year. MSRP $36,203. Payments based on tier 1+ credit, $0 POSTED SALE
security deposit due at s igning.
PRICE $35,230
PER MONTH / 36 MONTHS
LEXUS RX 350
2015
28 MPG CITY
LEASE FOR
$
$2,546 Total Due Plus First Payment,Taxes, Registration And Dealer Fees with qualified
credit. 10,000 miles per year. MSRP $39,094. Payments based on tier 1+ credit, $0 POSTED SALE
security deposit due at s igning.
PRICE $36,270
POSTED SALE
PRICE $35,921
LEXUS NX 200T
2015
! 2.0 L Turbo 16-Valve DOHC
! 235 HP 258 lb-ft Torque
w/ 6-Speed Automatic Transmission
! Power Back Door
! Backup Camera 8-Speaker
Lexus Display Audio System
! HD Radio w/subscription-free traffic
& weather updates, & iTunes Tagging
30 MPG HWY
379
$3,490 Total Due Plus First Payment,Taxes, Registration And Dealer Fees with
qualified credit. 10,000 miles per year. MSRP $38,959. Payments based on
tier 1+ credit, $0 security deposit due at s igning.
PER MONTH / 36 MONTHS
LEASE FOR
$
31 MPG HWY
449
LEXUS IS 250
2015
LEXUS ES 350
2015
LEASE FOR
$
$2,949 Total Due Plus First Payment, Taxes, Registration
And Dealer Fees with qualified credit. 10,000 miles per
year. MSRP $34,494. Payments based on tier 1+ credit, POSTED SALE
$0 security deposit due at s igning.
PRICE $33,549
APR
PER MONTH / 36 MONTHS
ELITE OF LEXUS AWARD
FOR 20 CONSECUTIVE
YEARS!
! 3.5L 272 HP V6 Engine
! F/Rear Side Curtain Air Bags
! 10-Way Driver’s & Front Power Seats
! Vehicle Stability Control
! Integrated Fog Lamps
! Dual Zone Climate Control
! 8 Speaker Premium Audio
! Lexus Audio w/XM & Bluetooth
10-Way Power Driver’s Seat
One Touch Power Moonroof
1.8L 4 Cylinder
Electric Hybrid Drive Motor
Lexus Audio w/XM & Bluetooth
Automatic Dual Zone Climate Control
San Antonio Express-News
$2,990 Total Due Plus First Payment,Taxes, Registration And Dealer Fees with qualified
credit. 10,000 miles per year. MSRP $54,083. Payments based on tier 1+ credit, $0 POSTED SALE
security deposit due at s igning.
PRICE $51,738
PER MONTH / 36 MONTHS
ART FOR ILLUSTRATION ONLY. *EXAMPLE: 60MOS. $17.05 PER THOUSAND FINANCED. ALL SPECIAL OFFERS ARE SUBJECT TO APPROVED AND QUALIFIED CREDIT. OFFERS END 10/31/2015.
611 LOCKHILL SELMA @ LOOP 410
210-308-8900
NORTHPARKLEXUS.COM
Shop Online:
GET THE LUXURY OF CHOICE
AT NORTH PARK LINCOLN!
WITH SUV’S OF ALL SIZES. FROM COMPACT TO MIDSIZE TO
FULL SIZE - YOU’LL FIND THE ONE THAT FITS YOUR LIESTYLE.
ALL NEW REDESIGNED
ALL NEW REDESIGNED
2016 LINCOLN MKC
2016 LINCOLN
0
% 60
APR mos
MKX PREMIER PACKAGE
2015 LINCOLN NAVIGATOR
60
1.9% mos
APR
29
22
MPG
HWY
! 240 HP, 2.0L ECOBOOST
! REAR VIEW CAMERA
! UNIQUE CLAMSHELL LIFTGATE
! ACTIVE NOISE CONTROL
! HID HEADLAMPS/LED TAILLAMPS ! PUSH BUTTON SHIFT
POSTED
PRICE
POSTED
31,995
$
$30,995
INCLUDES $2,000 COMPETITIVE
CONQUEST FACTORY REBATE
299
57,995 $619
$
MSRP $62,915,
SAVE $4,920
399
$
37,495
$
on every New 2015 LINCOLN
in stock Plus Our Posted Pricing!
MKZ
33
MPG
HWY
2015 LINCOLN
60
%
APR mos
MKX
72 MONTH FINANCING
on New 2015 LINCOLN NAVIGATOR
in stock Plus Our Posted Pricing!
2015 LINCOLN
FINAL INVENTORY
0
26
MPG
HWY
W/ 39 MONTH LEASE
10,500 MI/YEAR
POSTED PRICE INCLUDES $2,000 COMPETITIVE CONQUEST OR
OWNER LOYALTY FACTORY REBATE, TOTAL DUE AT LEASE SIGNING
OF $7,595, INCLUDES TAXES/ FEES & 1ST PAYMENT $0 SECURITY
DEPOSIT W/LINCOLN AFS APPROVAL, $2,995 DOWN PLUS 1ST
PAYMENT, PURCHASE OPTION $28,940. STK #5LFEJ15377.
W/ 39 MONTH LEASE
10,500 MI/YEAR
MSRP $39,395, SAVE $1,900
Lease For Only
POSTED PRICE
POSTED PRICE INCLUDES $500 COMPETITIVE CONQUEST OR OWNER LOYALTY
FACTORY REBATE, TOTAL DUE AT LEASE SIGNING OF $5,498 INCLUDES $1,995
DOWN PLUS 1ST PAYMENT TAXES & FEES, $0 SECURITY DEPOSIT W/ LINCOLN AFS
APPROVAL, PURCH OPTION $21,273. STK #2LGBL30384.
60 MONTH FINANCING
0
MPG
HWY
Lease For Only
POSTED PRICE
W/ 39 MONTH LEASE
10,500 MI/YEAR
POSTED PRICE INCLUDES $1,000 OWNER LOYALTY FACTORY
REBATE, TOTAL DUE AT LEASE SIGNING OF $4,787 INCLUDES
$1,995 DOWN PLUS 1ST PAYMENT TAXES & FEES, $0 SECURITY
DEPOSIT W/ LINCOLN AFS APPROVAL, PURCH OPTION $19,143. STK
#5LGUJ05322.
2016 LINCOLN
% 60
APR mos
! ECOBOOST ENGINE W/380 HORSEPOWER
! VOICE-ACTIVATED NAVIGATION/BLUETOOTH
! POWERFOLD FLAT 3RD ROW SEAT
! BLIND SPOT INFORMATION SYS. W/CROSS-TRAFFIC ALERT
! 10-WAY PWR HEATED/COOLED LEATHER SEATS
! THX II CERTIFIED HD AUDIO
! 3.7L 300 HP TI-VCT V6 ! REMOTE START ! REVERSE SENSING SYSTEM
! APPROACH DETECTION LINCOLN LOGO WELCOME MAT
! 18” ALUMINUM WHEELS W/ MICHELIN TIRES
! REAR VIEW CAMERA ! PUSH BUTTON SHIFT
Lease For Only
$
MSRP $34,185, SAVE $2,190
PRICE
29
MPG
HWY
MKS
0
% 60
APR mos
28
MPG
HWY
NO SALES TAX on New LINCOLN MKZ Leases
! 2.0L ECOBOOST ENGINE
! 11-SPKR AUDIO W/SIRIUS SATELLITE
! REVERSE SENSING SYSTEM
33,495
PRICE $32,495
POSTED
PRICE
! REAR VIEW CAMERA
! LINCOLN DRIVE CONTROL
! PUSH BUTTON SHIFT
$
MSRP $36,085, SAVE $2,590
POSTED
Includes $2,250 Competitive Conquest Factory Rebate
Lease For Only
299
$
W/ 39 MONTH LEASE
10,500 MI/YEAR
POSTED PRICE INCLUDES $1,250 OWNER LOYALTY FACTORY REBATE, TOTAL
DUE AT LEASE SIGNING OF $3,694 INCLUDES $1,995 DOWN PLUS 1ST PAYMENT
& FEES, $0 SECURITY DEPOSIT W/ LINCOLN AFS APPROVAL, PURCH OPTION
$18,042. STK #3LGR602296.
! VOICE-ACTIVATED NAVIGATION/BLUETOOTH ! THX II CERTIFIED HD
AUDIO ! BLIND SPOT INFORMATION SYS. W/CROSS-TRAFFIC ALERT
! 10-WAY POWER HTD/COOLED LEATHER SEATS ! REAR VIEW CAMERA
! POWER LIFTGATE ! REMOTE START ! REVERSE SENSING SYSTEM
41,495
PRICE $39,995
POSTED
PRICE
$
MSRP $44,730, SAVE $3,235
POSTED
Includes $2,500 Owner Loyalty Factory Rebate
449
$
W/ 39 MONTH LEASE
10,500 MI/YEAR
10 DAY
APPRAISAL
Hour
GUARANTEE
RETURN
POLICY
WE WILL
BUY
YOUR
VEHICLE
HASSLE
FREE
! REAR VIEW CAMERA
! REMOTE VEHICLE START
! 3.7L TI-VCT V6
POSTED PRICE
Lease For Only
POSTED PRICE INCLUDES $1,000 COMPETITIVE CONQUEST FACTORY REBATE,
TOTAL DUE AT LEASE SIGNING OF $5,582 INCLUDES $2,495 DOWN PLUS 1ST
PAYMENT TAXES & FEES, $0 SECURITY DEPOSIT W/ LINCOLN AFS APPROVAL,
PURCH OPTION $21,023. STK #2LFBL32291.
48
! HTD & CLD LEATHER SEATS
! ADVANCE STABILITY CONTROL
! FWD & REV SENSING SYSTEMS
Lease For Only
36,495 $399
$
MSRP $39,745, SAVE $3,250
W/ 39 MONTH LEASE
10,500 MI/YEAR
POSTED PRICE INCLUDES $1,500 COMPETITIVE CONQUEST OR OWNER
LOYALTY FACTORY REBATE, TOTAL DUE AT LEASE SIGNING OF $2,991
INCLUDES $0 DOWN PLUS 1ST PAYMENT TAXES & FEES, $0 SECURITY DEPOSIT
W/ LINCOLN AFS APPROVAL, PURCH OPTION $19,077. STK #1LFG605061.
9207 San Pedro www.NPLINCOLN.com
America’s Leading LINCOLN Retailer
1.800.281.0838
80
ART FOR ILLUSTRATION ONLY, ALL PRICES + TT&L. #1 LINCOLN RETAILER BASED ON TOTAL NEW LINCOLN RETAIL SALES FOR 2014 & 2015 YTD, VALIDATED BY LINCOLN’S CENTRAL MARKET AREA INTERNAL SALES REPORTS. COMPETITIVE CONQUEST OR OWNER LOYALTY
FACTORY REBATE ELIGILITY: CURRENT OWNERS/LESEES OF NON-FORD MOTOR CO. BRAND (FOR COMPETITIVE CONQUEST) OR FORD/LINCOLN/MERCURY (FOR OWNER LOYALTY) CAR, TRUCK OR SUV (‘95 MODEL OR NEWER), MUST HAVE OWNED/LEASED FOR MIN OF 30 DAYS.
NO NEED TO TRADE. 0%, 0.9% ($17.05 PER $1,000 FINANCED), 60-MONTH APR OFFERS W/ LINCOLN AFS APPROVAL. 1.9% 60 MO. FINANCING ON ‘15 MKS W/ LINCOLN AFS APPROVAL. $17.49 PER $1,000 FINANCED. ALL OFFERS END 10/31/2015.
San Antonio Express-News
mySA.com
Monday, October 12, 2015 3E
npmazda.com
210-253-3300
North Park Mazda
a
2016
YEAR Models
063% MODEL
UCTIO
(2)
The New
ON
ED
are here!
R
NO PAYMENTS ON REMAINING 2015 MODELS UNTIL 2016!
Months
(3)
2016 Mazda6 i SPORT AUTOMATIC
199
Lease
for $
38
BACKUP CAMERA, PUSH BUTTON
START, POWER WINDOWS/LOCKS
Per
Month
WAS RANKED #1 BEST
FAMILY SEDAN BY
FREE Factory
Navigation Upgrade (1)
MSRP
Dealer Discount
Mazda6
Posted Price
23,815 $1,400 $22,415
$
2016 Mazda6 i Sport Automatic
EXAMPLE: MSRP $23,815, NP DISC $1400, POSTED PRICE $22,415, $1,999 DOWN PLUS
TT&L FEES, 36 MOS, 1ST PAYMENT DUE AT SIGNING.15 CENTS PER MILE OVER
36,000 MILES, $350 LEASE END DISPOSITION FEE, GUARANTEED FUTURE VALUE $14,527.15,
WAC STK#S1433270
2016 Mazda CX-5
SPORT PACKAGE
2016 Mazda CX-3
BRAND NEW MODEL
184 HORSEPOWER 2.5L ENGINE, PUSH
BUTTON START,
ST
HILL LAUNCH ASSIST,
17” ALLOY WHEELS
Back-up
Camera
PUSH BUTTON ST
START, BACKUP CAMERA,
POWER WINDOWS AND LOCKS
COME SEE THE NEW
Mazda CX-5
Mazda
M
CX-3
IN STOCK AND A
AVAILABLE!
WAS RANKED #1
COMPACT CROSSOVER SUV BY
33
239
Lease
for $
Posted
Price
23,830
35
Per
Month
EXAMPLE: MSRP $24,530, NP DISC $700, POSTED PRICE
$23,830, $0 DOWN PLUS TT&L FEES, 36 MOS,.15 CENTS
PER MILE OVER 10,000 MILES PER YEAR, $350 LEASE
END DISPOSITION FEE, GUARANTEED FUTURE VALUE $13,982.10, $1,999 + 1ST PAYMENT & TTL DUE AT
SIGNING, WAC STK#K0683510
$
“THE Mazda CX-3’S
E
EXCELLENT STANCE AND
SUL
SULTRY CURVES SHAME THE
BLAND COMPETITION”
CAR AND DRIVER - NOVEMBER 2014
20,480
$
MSRP
Starting At
24
36
$3,500 OFF
All Remaining
2015 Mazda MX-5
Miata’s
IN STOCK*
41
3RD ROW
2015 Mazda3 i SPORT
2015 Mazda CX-9 Sport
2016 Mazda MX-5 Miata
1.5L DOHC 4CYL ENGINE WITH VVT, 6SPD AUTOMATIC,15”
STEEL WHEELS, USB AUDIO INPUT, REMOTE KEYLESS ENTRY
Hatchback Automatic
A 2015 EDITORS’
CHOICE: MIDSIZE
SUV AND CUV
Lease
for
“HIGHEST RANKED COMPACT
SPORTY CAR IN INITIAL
QUALITY, FIVE YEARS IN A ROW”
MSRP
Mazda Rebate
Dealer Discount
329
$
ONE OF 2015
“10 BEST SEDANS
UNDER $25,000”
Per
Month
Posted Price
MSRP
Mazda Rebate
25,865
48
10 DAY
Hour
APPRAISAL
RETURN
POLICY
1 MAZDA CPO
Dealer in the Nation
#1 in the Nation
based on MNAO
2015 Sales Report
2011 TOYOTA HIGHLANDER SE
• 6SPD MANUAL
• 44K MILES
• SUNROOF
• ALLOY WHEELS
• PREMIUM
SOUND
STK#NH704153
Posted Price
15,997
$
• 7 Year/100k Mile Limited Warranty • 150 Point Detailed Inspection
• 24hr Roadside Assistance
• 0.90% APR Financing W.A.C.
2014 MAZDA2 TOURING
20,997
$
Posted Price
12,997
$
2013 Ford Escape S
2012 Mazda3 i Touring
AUTO, 4SPD, EXCELLENT
CONDITION, STK#U5114706 ...........................
AUTO, 6SPD, 33K MILES, REAR SPOILER,
KEYLESS ENTRY, STK#PUD01499 ..............
AUTO, GREAT FUEL EFFICIENT CAR,
POWER WINDOWS/LOCKS, STK#U1557384 ...
2006 Infiniti M35
5SPD, AUTO, SUNROOF, LEATHER,
ALLOY WHEELS, STK#UM101223 ..............
$11,597
2006 BMW 530I
1-OWNER, SUNROOF, ALLOYS,
PREMIUM SOUND, STK#UCM40409 ..........
$10,997
2014 Ford Focus SE Hatchback
38K MILES, AUTO, REAR SPOILER,
ALUMINUM WHEELS, STK#NL255845 ......$12,597
2014 DODGE DURANGO LIMITED
$15,597
2012 VW Beetle Turbo 2.0
40K MI,6SPD,AUTO,HEATED SEATS, REAR SPOILER,
TURBO CHARGED, STK#NM661638 ..........$15,997
2015 Nissan Altima 2.5S
KEYLESS ENTRY, BLUETOOTH,
22K MILES, STK#NN301822..........................$16,597
2014 Nissan Maxima 2.5S
41K MILES, ALLOY WHEELS,
NICE CAR, STK#NC451440 ...........................$16,997
Posted Price
29,997
$
2008 Honda Accord EX-L
74K MI, 5SPD AUTO, BLACK,
ALLOY WHEELS, STK#UA012246 ...............$12,597
2011 Mercury Mariner Premier
FWD, 6SPD, AUTO, 51K MILES, LEATHER HEATED
SEATS, ALLOY WHEELS, STK#UKJ03908.$12,597
2014 Hyundai Veloster
32K MILES, 6SPD AUTO, BACKUP CAMERA,
ALUMINUM WHEELS, STK#PU199222 ......$13,597
2013 Dodge Dart RALLYE
6SPD AUTO, 22K MI, ALUMINUM WHEELS,
KEYLESS ENTRY, STK#UD691192 ..............$13,997
2012 Hyundai Tucson Limited
6SPD, AUTO, REAR SPOILER, HEATED
LEATHER SEATS, STK#UU343555 ..............$14,697
$11,597
2013 Mazda6 i Sport
5SPD AUTO, 34K MILES, KEYLESS ENTRY,
GREAT MPG, STK#P5M04837 ...........................
$13,697
2010 Mazda Miata MX-5 Touring
6SPD AUTO, CONVERTIBLE HARDTOP,
NICE, STK#U0210305 .........................................
$14,997
2013 Mazda3 i SV
5SPD AUTOMATIC, 10K MILES,
NICE, STK#P1814865 .........................................
40,997
$
$14,597
Posted Price
19,997
$
2013 Mazda3 i Sport
2012 Chrysler 300
RWD, 41K MI, KEYLESS START, DUAL AC,
SATELLITE RADIO, STK#PH104834 ...........
2043 MILES, AUTO, 6SPD,
1-OWNER, STK#U1825835 .................................
2014 Kia Optima EX
2014 Mazda3 i Sport
$16,997
$14,997
19K MI, 6SPD AUTO,VALUMINUM WHEELS,
BLUETOOTH,1-OWNER, STK#PG338558 ..
6SPD AUTO, 1-OWNER, 31K MILES,
KEYLESS ENTRY, STK#P1199211......................
2011 Chevy Camaro 2LT
2015 Mazda6 i Sport
6SPD, AUTO, LEATHER,
PREMIUM SOUND, STK#U9175402 ............
31K MILES, 6SPD AUTO, 1-OWNER, ALUMINUM
WHEELS, BACKUP CAM, STK#N1179319.........
$18,297
$17,997
2014 Nissan Pathfinder Platinum
3RD ROW SEAT, NAVIGATION, LEATHER,
BACKUP CAMERA, MORE, #PC629845 .....$30,697
2015 Jeep Grand Cherokee LTD
LOW MILES, IMMACULATE,
LIKE NEW, STK#NC668184 ...........................$34,597
Posted Price
13,697
$
6SPD AUTO,BACKUP CAMERA, 24K MILES,
ALUMINUM WHEELS, STK#N1175877 .............
$18,597
2013 Mazda CX-5 Grand Touring
42K MI, 6SPD, AUTO, HEATED LEATHER SEATS,
BACKUP CAMERA, STK#U0118263 ............$19,597
2014 Mazda3 i Grand Touring
6SPD,AUTO,4951 MI,NAV,HEATED SEATS,
MOONROOF,B/U CAM, STK#LM109556 ....$19,997
2013 Mazda CX-5 Sport
25K MILES, AUTO, ALUMINUM WHEELS,
REAR SPOILER, STK#P0421303 ..................$19,997
2014 MAZDA CX-9 GRAND TOURING
• 608 MILES
• BACKUP CAM
• 6SPD AUTO
• MOONROOF
• STK#NM226257
• 6SPD AUTO
• 32K MILES
• 4X4
• CHROME
WHEELS
• TRAILER TOW
• STK#NG275716
Posted Price
• 34K MILES
• 5SPD
AUTOMATIC
• FUEL
EFFICIENT
• STK#P5M04837
2015 Mazda6 i Sport
2015 MAZDA3 I TOURING
2014 RAM 2500 SLT
• 8SPD AUTO
• V6
• 3RD ROW SEAT
• HEATED SEATS
• BACKUP CAM
• STK#NC599894
2013 MAZDA5 I SPORT
• 4SPD
• AUTO
• FWD
• 42K MILES
• REAR SPOILER
• ALLOY WHEELS
• STK#P0179025
• V6 5SPD
• AUTOMATIC
• 73K MILES
• HEATED SEATS
• SUNROOF
• BACKUP CAM
• 3RD ROW
• STK#US027359
Posted Price
GUARANTEE
Mazda
2008 Toyota RAV4
$9,997
18,750
EXAMPLE: MSRP $20,815, NP DISC $815,
$350 LEASE CASH ,10,000 MILES PER YEAR, 33 MONTH LEASE, GUARANTEED FUTURE VALUE
OF $12,697.15, $0 SECURITY DEPOSIT, $350 LEASE END DISPOSITION FEE, $.15 PER MILE OVER
10,000 MILES PER YEAR. STK#CM217671.
EXAMPLE: MSRP $30,865, NP DISC $1,500, MAZDA REBATE $4,000, POSTED PRICE $25,365. $0
SECURITY DEPOSIT, TT&L & FEES DUE AT SIGNING, 36 MOS, .15 CENTS PER MILE OVER 10,000
MILES PER YEAR, $350 LEASE END DISPOSITION FEE, GUARANTEED FUTURE VALUE $13,982.10,
WITH APPROVED CREDIT, STK#RO464335.
North
Park
Per
Month
$
$
#
179
$
Posted Price
Dealer Discount
30,865 $4,000 $1,500 $25,365 $20,815 $1,250 $815
MSRP $
Starting At
2012 HONDA CIVIC SI
Lease
for
$15,997
$16,997
2014 Mazda CX-5 Sport
6SPD, AUTO, 1-OWNER, 30K MILES, ALLOY
WHEELS, KEYLESS ENTRY, STK#U0333497 ....
$17,597
2011 Mazda CX-9 Grand Touring
6SPD AUTO, 78K MI, NAV, MOONROOF, 3RD ROW
SEAT, SURROUND SOUND, STK#N0300438 .....$17,997
SCAN HERE TO VIEW
OUR INVENTORY!
• 9060 MILES
• AUTO
• MOONROOF
• NAVIGATION
• 3RD ROW SEAT
• BACKUP CAM
• STK#L0439216
Posted Price
27,997
$
2015 Mazda CX-5 Touring
ALUMINUM WHEELS, BACKUP CAMERA, 6SPD
AUTO, NICE SUV, STK#N0437800 ...............$21,297
2015 Mazda CX-5 Touring
24K MILES, 6SPD AUTO, BACKUP CAM,
REAR SPOILER, STK#N0438403..................$21,297
2015 Mazda6 i Grand Touring
6SPD AUTO, 21K MI, HEATED SEATS, SROOF,
BACKUP CAMERA, NAV, STK#U1177300 .........$23,997
2013 Mazda CX-9 Grand Touring
14K MILES,6SPD AUTO, HEATED LEATHER SEATS, NAV,
SUNROOF, B/U CAMERA, STK#N0416674 ........$26,997
2014 Mazda CX-9 Grand Touring
906 MI,MROOF,NAV,HTD SEATS, 3RD ROW SEATS,
BACKUP CAM, AUTO, STK#L0439216 .......$27,997
9333 San Pedro
210-
253-3300
npmazda.com
Art For Illustration Only. (1) Free Factory Navigation is on Mazda6 models. (2) 0% is on 2015 Mazda3. Must finance with Mazda Capital Services. (3) Enhanced 90-Day Deferment Program available on new 2015 Mazdas. With
approved credit. Cannot be used in conjuction with the MCS College Grad Program or MCS First Time Owner Program. Must finance through Mazda Capital Services. Some restrictions may apply. See dealer for details.
(4) $0 down lease offers available on 2016 Mazda6 only. With approved credit. * #1 in San Antonio based on MNAO 2014. Offers End 10/31/15.
Monday, October 12, 2015
mySA.com
San Antonio Express-News
www.WestLoopMitsubishi.com • www.WestLoopMitsubishi.com • www.WestLoopMitsubishi.com
#
1
mitsuBishi dealership
in the u.s.a.
*
over past 6
Years!!
5 YEARS!!
columBus daY sale - huge savings!
$49 doWn
DELIVERS!!(A)
2015
2015
MITSUBISHI
OUTLANDER SE
MITSUBISHI
LANCER
34
31
HWY
HWY
MPG
MPG
POWER WINDOWS, POWER LOCKS,
POWER MIRRORS, CD PLAYER,
7-PASSENGER, ALLOY WHEELS, FOG LIGHTS
AUTOMATIC, A/C, CD PLAYER,
POWER WINDOWS, POWER LOCKS
2015
2015
MITSUBISHI
MIRAGE
MITSUBISHI
OUTLANDER SPORT
32
44
HWY
HWY
MPG
MPG
AUTOMATIC
POWER WINDOWS, POWER LOCKS,
POWER MIRRORS, CD PLAYER
POWER WINDOWS, POWER LOCKS,
POWER STEERING, CD PLAYER
V-6
27
HWY
MPG
THE NEW 2016
MITSUBISHI OUTLANDERS
HAVE ARRIVED!!
210-509-3777
7007 nW loop 410
BetWeen ingram rd. & culeBra road, (outside loop 410)
SE HABLA ESPAÑOL!
24 hour credit hotline:
888-906-LOAN (5626)
www.westloop.getayes.com
WWW.WestloopmitsuBishi.com
sales hours: mon.-sat. 8:30am-9pm • service hours: m-f 7am-6pm sat. 8am-3pm • parts hours: m-f 7:30am-6pm sat. 8am-3pm
ART FOR ILLUSTRATION PURPOSES ONLY. ALL PRICES PLUS TT&L. WITH APPROVED CREDIT. ALL OFFERS EXPIRE 10-12-15. ALL VEHICLES SUBJECT TO PRESALE PRIOR TO PUBLICATION/DELIVERY. ALL DEALER ADDED EQUIPMENT ADDITIONAL. EPA RATING BASED ON HIGHWAY
MILES. YOUR MILEAGE WILL VARY DEPENDING ON YOUR DRIVING HABITS AND HOW YOU MAINTAIN YOUR VEHICLE. (A) EXAMPLE: 2015 MITSUBISHI OUTLANDER SPORT. STK #25047. MSRP $21,645, MFG REBATE $1,500, DEALER DISC. $3,345, SALE PRIE $16,800 + TT&L. $249/
MO. FOR 84 MOS. @ 3.65% APR, $49 DOWN, WITH APPROVED CREDIT.*BASED ON YEAR TO DATE FOR PAST 6 YEARS U.S. RETAILS SALES FOR MITSUBISHI MOTORS N.A
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www.WestLoopMitsubishi.com • www.WestLoopMitsubishi.com • www.WestLoopMitsubishi.com • www.WestLoopMitsubishi.com • www.WestLoopMitsubishi.com • www.WestLoopMitsubishi.com • www.WestLoopMitsubishi.com
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