Newspaper Archive of
Hays Free Press
Kyle, Texas
May 1, 2013     Hays Free Press
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May 1, 2013

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Hays Free Press• May 1,2013 ~aP.~ ~ree 4~reh~ Page 3D Financial Focus Continued from pg. 1D them on time. longer waiting period if you a disabling illness or the underwriting. Pick the right waiting have created an emergency entirety of your working life. These suggestions are period. Typically, disability fund containing six to 12 Consider adding ap- general in nature. Your insurance policies don't months' worth of living ex- propriate "riders." It will financial advisor can help start paying benefits im- peases, kept in a liquid ac- likely add to the cost of your you determine if you need a mediately; there's usually a count that offers significant policy, but a cost-of-living private disability insurance waiting (or "elimination") preservation of principal, rider will help protect your policy- and, if so, what type period ranging from 30 days Avoid overly restrictive future benefits from the of policy is best suited for to two years. Obviously, policies. You may want to effects of inflation. You also your needs. a shorter waiting period avoid an "accident-only" might want to add a future is more desirable, but it's policy or one with a limited income options (FIO) rider, But don't wait too long to probably also going to be benefit term (five and 10 which provides you with the take action in this area. You more expensive. You may years are common). These ability to purchase addi- can't predict the future, but be able to give yourself the policies may be cheaper, tional coverage in the future you should still prepare for flexibility of choosing the but they don't cover either with no further medical the unexpected. Mountain City Station Prime location one mile north of Hays High on Jack Hays Trl. Texas ;tatewide Advertising Network TEXAS STATEWIDE CLASSIFIED ADVERTISING NETWORK 1 , ~ ,, EXPERIENCE t~ COUNTS Dwyer~ with m,ct 100 year~ c~}mbined ~giwnisc. I may occur 30 to 50 years after expo- Ryan A. Krebs, M.D., J.D. I sure to asbestos Many workers were ,~,;U ~:,,,>, :,, ~,,~1 ,,,,,,, 1,,. ,,::,~, ,, [ exposed from the 194"0s through the ~d~,rJA. [-)(x']d~ L.C. I 1970s~onstruction "l'.no~y R ~po~lo, I~. [ end hand exposure) are among those -, } m m. HR~,= "~ls~ ] at risk for mesotheiioma, lung cancer CAM~UON r~s I or gastro cancer (throat, stomach, co- l Ion~rofesslonal insight Ng7 INTERNET AUCTION WEDNESDAY, MAY 8 8idd!n~ ~,t~l~ to d~se a~ i 2 pro, COT S$t" items s~l|i~ withDut rer~r~el~! Irgtmltn~: ~9t i~ti ~q~ ,sprayer, Irec~ors~ combine, ,~emi header3, p a~ ers, ti[tage ~craper and mere. tO% buyer's F~'em~um, A,~ran f4c Kee "P,~ Dc #16401.86&&08.9263 CALL NOW! 1-888-544-8692 i H m v I /1 Ill I Ill m i Ill Im • I • -i EXPERIENCED FLATBED DRIVERS _= , , TexSCAN Week of Regional opportunties now open with plenty April 28, 2013 of freight and great pay. 1-800-277-0212 or $106 MONTH BUYS land for RV, MH or cabin. Gated entry, $690 down, '|O" • ~r&~N;RTcOPERATOR' and fiee( drivers; ($6900/10.91%/7yr)90-days same as cash, Guaranteed financing, 1-936-377-3235 LOVING, ACTIVE COUPLE Hoping to adopt. 2800-3200 miles/week avg. All miles paid. Homefulloflove, laughterandsecur~/foryour Home weekly, fuel surcharge, paid platesand ABSOLUTELY THE BEST VIEW Lake baby. Help with expenses. Call Christy and Dan, permits. Weekly settlements. 1-888-720-1565 Medina/Bande ra, 1/4 acre tract, ce ntral 1-877-331-4799. or WARM;FUN, PROFESSi0NALcoupleeager OWNFR OPERATORs $5,000 sign-on to provide your child with love and happiness bonus. Paid FSC on loaded and empty miles. forever. Expenses paid. Ann and Peter. Call Daily hometime 24/7 dispatch. Great fuel and 1-800-593-1730 tire discounts. New larger facility with free p • parking for O/O's. Third party lease purchase program available. CDL-A with 1 -year tractor AVERITT OFFERS CDL-A dedicated and trailer experience required. Call 1-888-703- regional drivers a strong, stable, profitable 3889 or apply online at W/S/E, RV, M/H or house OK only $830 down, $235 month (12.91%/10yr), Guar- anteed financing, more information call 1-830-460-8354 ACREAGE REPO with septic tank, pool, pier, ramp. Owner finance. Granbury 1-210-422-3013 AFFORDABLE RESORT LIVING on Lake Fork. RV and manufactured housing OK! Guaranteed financing with 10% down, career. Excellent benerds and hometime. 1-855- (~/Ni~R 0F;ERATORS TEAM: Home week2 ~s.t~i~,~-=ea~,m~,~ 877-0792 or visit EOE ends and throughout the week. Dedicated, Lots starting as low as $6900, Call Josh, ................................................ .......................................... ......... AVERITT OFFERS CDL-A drivers a strong, recession-proof freight. Lease purchase 1-903-878-7265 stable, profitable career. Experienced drivers program. 1-year driving experience and CDL LA NINA RANCH, 10.24 acres, South Texas ][ PROGRAMS ~ and recent Grads. Excellent benefits, weekly Class A. Contact Ty; 1-866-904-9230 ..... brush, Duval County. Deer, hogs, turkey. hometime. Paid training; 1-888-362-8608 Behind locked gate. $1817down, $331/month. .-,,--,,~i ~.~.-,....; EOE II , • . , (9.9%, 20-years) or TX Vet financing. Toll-free .......... -- 1-866-286-0199. www.westemtexaslandcom /ENERGY ::: " DEnDulCAeTrEDvTer.~MxgR/VERSm$e25Oe0oS;gi [~'F~haandSve°~ soOTH FORK RANcPII 20.52 acres: Exceptionalearningpotentialandequpment . . .r " . PP . Rocksprings, views, native and exotic _ . .. " program Financial md ~f quahfied housing /IN S TIT U T E CDiLn':r?~,dsu~allle8~6"~55"6957°rapply available. Call Aviation Institute of Mainte-game. Oak and cedar cover. $2822 down, $514/month. (9.9%, 20-years) or pe s ce c com ........ "'"-" ................. ___.. nance, 1-877-523-4531 TX Vet financing. 1-800-876-9720. www, //ROYALTYTRAININGOWNER !;i~d~!~;~d.ChNOoeM~de~ f~l~E~o~m~id~!~ ATTiE21,DBCuOLLsEsG, E riOm?L~NjEu J~i2em' Hh2smp~. hillcountryranches~com ii oental insurance. Pa~d vacation 401k plan ............... " ....... L . . P . " . Y tality. Job placement assistance Computer ............. ' . " ava,ame, tartaric=a= a~a =r qua=reed ~u~ev STEELBUILDINGS-Pedectforhomesand uP'ava,ao~e. UUL-Aw~tn 1 -year tractor-trader authorized Call 1 888 205 892"0 www garages. Lowest prices, make offer and low :, experience required. 1-888-703-3889 or monthly payment on remaining cancelled apply online at take VIAGRA DRIVERS HIRING EXPERIENCEDIInex£ • , | orders: 20x24, 25x30, 30x44, 35x60. Call - 1-800-991-9251 ask for Ashley or CIALIS? perienced tanker drivers. Earn up to .51¢ MEDICAL BILLING TRAINEES needed! per mile. New fleet Volvo tractors. 1 -year Train to become a medical office specialist ' ' • your business or event STATEWIDE (Regional ads also available) eTa experience required. Tanker training now! No experience needed! Online training WEEKEND GETAWAY available on Lake available. Call today: 1-877-882-6537, www. gets you job ready. Call to see if you qualify Fork, Lake Livingston or Lake Medina. for training! 1-888-368-1638; Rooms fully furnished! Gated community disclosures' corn with clubhouse, swimming pool and boat DRIVERS NEEDED in the Carrizo Springs ' • ramps. Call for more information: 1-903-878- area. Dedicated runs, home daily. $1,500 7265, 1 -936-377-3235 or 1 -830-460-6354 Sign-on bonus. Earn up to $25.80 hourly. Work - d /w ......... DIRECTV Official TV Deal - America's top .... r~- ays eeK, ~enerlts class UUL-~ . ' I satelhte prowder DIRECTV plans start with X endorsement and 1-year tractor trailer . " - I =',( I I i~ lel I l ~'-'Y'; I J'~ll t'~'e~'-'l ~: I1 .. ng at $29 99/month for 12-months after experience required. Call or go online wl[n . " . , your 3-year employment history, t 8oo 366 instant rebate. Get the best m entertain- Statewide Ad ................ =500 -'---'---" meat. 1-800-631-4961 4910: EOE. D .................. SAVE ON CABLE TV-Internet Digital Phone KIVI=I~- UNI= ~I::.N/ raise aner b an¢ ]z ' " ' • i' months. 3¢ enhanced q uarterly o'on US. ua- rly and Satelhte.. You ve. Got A .Ch°lce . Ophons or weekly pay, hometime options. CDL-A. from all major servme providers. Call us to www.driveknight.eem3"m°nths eTa exper,enoe. 1-800-414-9569 learn mo~-8_ 88-626_-1. ?89• DRIVERS- eTa POSITIONS Earn 32¢ SAWMILLS FROM ONLY $3,997. Make and - 45¢ per mile. $1000 Sign-on bonus! savemoneywithyourownbandmill.Cutlumber Assigned equipment, pet policy, deBoer any dimension, m STOCK ready to ship. Free Transoortation 1-800-825-8511. O/O's information/DVD, welcome, 1-800-578-1363 Ext. 300N 301 Newspapers, 942,418 Circulation North Region Only ...... $230 98 Newspapers, 263,811 Circulation South Region Only ..... $230 101 Newspapers, 366,726 Circulation West Region Only ....... *230 102 Newspapers, 311,881 Circulation To Order: Call this Newspaper lirect, or call Texas Press Servic{ at 1-800-749-4793 Today! ~OTICE: While most advertisers are reputable, we cannot guaramee products or services adverhsed. We urge readers to use caution and when in doubt, Contact Tracy at the Hays Free Press for more information at (512) 268-7862 i i i i i , , , , Extend your advertising reach with TexSCAN, your Statewide Classified Ad Network. Construction Lawn Care WINDHAM CONSTRUCTION Hernandez Construction & Excavation k Custom Decks Outdoor KitchensI i Framing, Roofing, ~, Koi Ponds & Water Features I I Patios" RockWorko Pavers I Masonry, Concrete I" I .o,oO.ooso.or.ooO, : | JamesWindham I Buda, TX • 512-844-9321 Valentine H~,]dez, owner LAWN CARE" Lawn maintenance, mowing, small planting, mulch and more. Call about our referral bonus. Phone: (512) 787-1916 Or visit our website at Painting Pool Service LOCK & KEY 30years service experience AUTOMOTIVE • COMMERCIAL- RESIDENTIAL • Locks repaired, replaced & rekeyed • Safes changed & serviced • Dead Bolts installed • Emergency Lockouts Serving Travis, Hays ~ Cald~oell Counties 512-295-2883 Toll Free 888-216-5625 • INTERIOR/EXTEDIOR PAIN]]~ • ACOUSTIC CEILING TEXTURE REMOVAL • WALLPAPER REMOVAL ' DECK STAIN & FENCES • FULLY I~U~D, FAMILY OWNED & O~TED • BCELL~ REFEREED UPON REQU~ • 100'/, ~AC~H GUARA~ED • CAR~ & ~WB W~IHG ..... ~:~ ,~: Sewing ~o S. Austin, The only D,pp ng call you f'~. ~ ~" springs, Driftwood need I ~ •• "~ , ", . , ~,~ "~ ,, "~ J Kyle aria re maKe ~,~r~ Buda since ~1~~:' 1994. 512-326-4695 Remodeling Septic Services Specializing in custom remodeling and insurance repairs since 1984. Fully insured. 512"282"6224 • 512-280-0085fax £ N EN ES, INC ==' "~31 SEPTIC PUMPING • CLEANING REPAIRS ° COMMERCIAL & RESIDENTIAL SELLMAN ENTERPRISES, INC, Serving the Hays Metro area, including Travis, Blanc& Bastrop, Williamson & surrounding counties. Commercial & Residential