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Monday, October 12, 2015 | SECTION B | SAN ANTONIO EXPRESS-NEWS

ExpressNews.commySA.com

Obituaries 1 B4-5

Lower oil prices wereroundly celebrated as a tail-wind for global growth.

In theory, the movement ofwealth from commodity pro-ducers, which often stow awayoil revenue in sovereignwealth funds, to consumers,which spend a far larger por-tion of their income, is a posi-tive for economic activity.

But strategists at CreditSuisse believe that so far, theglobal economy has seen onlythe 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 signif-icant positive for global GDPgrowth,” a team led by globalequity strategist AndrewGarthwaite admitted.

But the net effect of thisdevelopment, according totheir calculations, so far actu-ally has turned out to be a 0.2percent hit to the global econo-my.

The negative effects of loweroil — namely the large-scalecuts to capital expenditures —are having a large and imme-

diate impact on global grossdomestic product.

“The problem is that com-modity-related capex accountsfor circa 30 percent of globalcapex (with oil capex down 13

percent and mining capexdown 31 percent in the past 12months),” wrote the strate-gists, “and thus the fall in U.S.and global commodity capexand opex has taken at least

circa 0.8 percent off U.S. GDPgrowth in the first half 2015and circa 1 percent off globalGDP growth over the lastyear.”

Oil-price bonanza not yet seen

Carolyn Van Houten / San Antonio Express-News

Six pumpjacks stand outside of Cotulla. The plunge in oil prices in the past six months has forceddrilling and oil service companies to fire workers and idle rigs throughout the Eagle Ford Shale.

Expected boon to economy thus faractually has been a 0.2 percent hit

By Luke KawaBLOOMBERG NEWS

Oil continues on B2

“It feels like I’m being set upto fail.”

That’s how Patrick Wittwer,31, described his experiencetrying to repay his roughly$50,000 in student loans.

Between misdirected pay-ments by one of the companiesservicing his loan and theabusive collection tactics heencountered when he fell be-hind, Wittwer said the repay-ment process simply seemedstacked against him.

A 2008 graduate of TempleUniversity with a degree inmedia arts, Wittwer isn’t alonein his experience. Consumeradvocates say student-loanservicers often make an al-ready heavy debt load evenmore burdensome for borrow-ers.

A report issued late lastmonth by the Consumer Fi-nancial Protection Board sup-

ports this view. Even though the

economy andlabor markethave im-proved,studentloan bor-rowers areexperiencinghigh distresslevels comparedwith borrowerswith other types ofconsumer debt, thegovernment report found.More than one in four stu-dent loan borrowers are delin-quent or in default on theirobligations.

In the aftermath of the fi-nancial crisis, we learned re-peatedly about dubious prac-tices among mortgage servic-ing companies that made itharder for homeowners tryingto repay or renegotiate theirloans.

Now, similar horror stories

are emerging about the compa-nies servicing student loans.

Some 41 million Americansowe $1.2 trillion in student loandebt. The median debt burdenamong borrowers was $20,000in 2014, up from $13,000 in2007.

Companies servicing theseloans manage borrowers’ ac-

counts, process their paymentsand enroll them in alternativerepayment plans, includingthose based on a fixed share ofthe borrowers’ income. Amongthe biggest companies areNavient, Great Lakes and Dis-cover Bank.

The Education Departmenthas contracts with 11 loan ser-vicers. But with no federalstandards governing theseactivities, student-loan servic-ers have great leeway in theirpractices. Making mattersworse, borrowers aren’t al-lowed to choose their servic-ers, so if they encounter prob-lems, they can’t take their busi-ness elsewhere.

“Good loan servicing is ex-pensive,” Maura Dundon, se-nior policy counsel at the Cen-ter for Responsible Lending,said recently. “It requiresreaching out and talking topeople, and servicers don’t doit because they don’t get com-

Loans continues on B5

Christine Armario / Associated Press

Students wait outside Everest College in Industry, Calif., hoping to get information on loan forgiveness in addition to getting theirtranscripts. Some 41 million Americans owe $1.2 trillion in student loan debt.

Themedian

debt burdenamong

borrowers was$20,000 in 2014. The

ed department hascontracts with 11 loan

servicers, but there are nofederal standards governingtheir activities.

By Gretchen MorgensonNEW YORK TIME S

Fotolia /

Student loans provide hard economics lesson

Every three months, theFederal Reserve releases anenormous pile of numbers. It’scalled “Z.1 Financial Accountsof the United States.” It exam-ines the flow of funds throughour economy and the balancesheets of different sectors. It’sgood bedtime reading. Mypersonal favorite is the “House-hold Balance Sheet” because ittells us how we are doing, col-lectively, by reporting on ourholdings of all kinds of assets.

The most recent report, re-leased in mid-September, pro-vides no big surprises. Cover-ing the second quarter, it tellsus that our collective wealthincreased by nearly $700 bil-lion from the previous quarterand that our total assets havebeen increasing in each year ofthe recovery. More to the point,our collective net worth is nowhigher than it was at the peakof the bubble in 2007. If you’relucky, you’ve noticed. You havea comfortable feeling of in-creased ease and affluence.Then again, maybe you haven’tnoticed.

Back then, we had total as-sets of $81.2 trillion and a networth of $66.8 trillion. Today,we have total assets of nearly$100 trillion and a net worth of$85.7 trillion. That sounds pret-ty nice. And in a grand sense, itis. Richer is better.

There’s only one problem. Ifyou ask those ever-present“nattering nabobs of negativ-ism” questions, a differentmessage starts to emerge: Therich are, quite definitely, gettingricher. Others, not so much.Here’s why.1 Consumers still are borrow-ing to look good. We like ourstuff, so we keep borrowing tobuy it. Over the period, theamount we hold in consumerdurables — which is mostlycars — rose modestly, from $4.5trillion to $5 trillion. But con-sumer credit has more thanfully recovered. It rose from$2.6 trillion to $3.3 trillion, anincrease of $700 billion. So weown more stuff, but we alsoowe more on it.

This is important becausethe reality is that most Amer-icans have more money in-vested in the used-car market(because they own a car or two)than they have invested in thestock market.

It’s also useful to put con-sumer credit in perspective.The $700 billion increase is farsmaller than the $1.2 trilliondecrease in home mortgagedebt. 1 Housing has recovered, butfor whom? From its $20.7 tril-

SCOTT BURNS

Rich arethe onesgettingwealthier

Burns continues on B3

Owners of every piece oftaxable property in Texas areabout to receive their annualproperty tax bills. Homeownersas well as commercial propertyand land owners are findingout if their annual tax bills havegone up and, if so, how much.

With the state’s economydoing fairly well the past fewyears, many Texans will seehigher tax bills because theirhomes and properties areworth more. That valuation is abig driver of the final bill.

Those who pay their proper-ty taxes through a mortgage

might not notice a differencefor months because their mort-gage company receives the billsoon after Oct. 1 and then rollsit into the monthly payment.Those who own their propertyoutright or choose to pay thetax bill themselves, on the oth-er hand, get a cold, hard look

directly at the bill each fall. Whether you pay your taxes

directly or through your mort-gage, here are 10 things youneed to know about your newproperty tax bill:

1. The law automatically puts alien on the property every Jan. 1to secure payment of that year’sproperty taxes. A delinquentproperty tax lien can hurt your

chances of getting full marketvalue for your property ifyou’re considering selling.

2. Payment of the bill is due nolater than Jan. 31.

3. Starting Feb. 1, unpaid taxesare subject to penalties and feesthat can reach 42 percent of theoriginal bill if still unpaid byJuly 1.

4. The bill is calculated basedon the value of the propertyand the tax rates set by eachtaxing entity in which the prop-

Taxes continues on B5

Things to know about property tax billMary BelanDoggett writesthat with Texas’economy doingwell of late,many will seehigher tax bills.

GUEST VOICESMary Belan Doggett

Main Business number: 210-250-3343PAGE 2

In S.A.TUESDAY

Financing seminar: A freeseminar on financing new orexisting businesses will be heldby the U.S. Small BusinessAdministration San Antoniodistrict office from 11 a.m. to12:30 p.m. at the Hipolito F.Garcia Federal Building, 615 E.Houston Street, Suite 298. Theaccess-to-capital seminar willinclude information on SBAloan programs for specificpurposes. Participants areencouraged to bring their ownlunch. Online registration is athttp://bit.ly/Finance_Oct13. Forinformation, call the SBA officeat 210-403-5900.

Sales: The Business Opportu-nities for Texans in San AntonioMinority Enterprise Devel-opment Week consortiumluncheon will be held from11:30 a.m. to 1 p.m. at the Dou-bleTree Hotel, 37 N.E. Loop 410.A panel of salespeople, in-cluding Roy Austin of ILS Co.and Yusuf Chowdhury ofOnline Business Owners, willshare sales techniques. Cost toattend is $20. Online registra-tion is available at www.south-sachamber.org. For informa-tion, call the South San Anto-nio Chamber of Commerce at210-533-1600 or email jessi-ca@southsa.org.

WEDNESDAY

Congressional luncheon: U.S.Rep. Joaquin Castro, D-SanAntonio, will speak at a SanAntonio Chamber of Com-merce Congressional LuncheonSeries event. The luncheon isset to run from 11:30 a.m. to 1p.m. at the Embassy SuitesRiverwalk Hotel, 125 E. HoustonSt. Cost to attend is $40 forchamber members, $55 fornonmembers. Online registra-tion is available at sacham-ber.org. For information, callthe chamber at 210-229-2119.

Women-owned certification:A free, one-hour workshop on

applying for 8(m) women-owned small-business certifi-cation will be held by the U.S.Small Business Administration.The workshop is set for 11:30a.m. to 12:30 p.m. at the Hipoli-to F. Garcia Federal Building,615 E. Houston St., Suite 298.The program provides accessto government contractingopportunities for small busi-nesses. Reservations may bemade online at http://bit.ly/8m_Oct14. For informa-tion, call the SBA at 210-403-5900.

THURSDAY

Environment seminar: TheSan Antonio ManufacturersAssociation will hold its 26thannual Environmental Seminarfrom 7:30 a.m. to 4:15 p.m. at

the Hilton San Antonio AirportHotel, 611 N.E. Loop 410. Theluncheon speaker will be SteveClouse, San Antonio WaterSystem chief operating officerand vice president. Clouse’stopic is “SAWS Vision andWater Availability.” Cost toattend is $200 for associationmembers, $250 for nonmem-bers. Online registration isavailable at sama-tx.org. Forinformation and reservations,call the association offices at210-979-7530.

Women awards: Texas Sen.Judith Zaffirini, D-Laredo,heads a list of nine womenwho will receive “Making aMark on the World” awardsfrom the San Antonio HispanicChamber of Commerce. Thesixth annual awards luncheonwill start at 11:30 a.m. at the St.

Anthony Hotel. Zaffirini willreceive the chamber’s LegacyAward. Also receiving awardswill be Harriet Dominique ofUSAA, Corporate ServiceAward; Marina Alderete Gavitoof Tech Bloc, InnovationAward; Carmen Tafolla, Texaspoet laureate, CommunityVoice Award; Lisa Bombin ofUnico Communications, En-trepreneur Award; TanujaSingh, St. Mary’s UniversityGreehey School of Businessdean, Leadership Award; MaryBriseño of the University of theIncarnate Word, Service Award;Elizabeth Costello, WorldAffairs Council of San Antoniopresident, Advocacy Award;and Luisa Casso of the Coca-Cola Co., Inspiration Award.Individual tickets to the eventare $75 for chamber members

and $100 for nonmembers. Forinformation, contact BlancaMaldonado at 210-208-8216 orblancam@sahcc.org. Onlineregistration is available atwww.sahcc.org.

Around thenationTODAY

Bond market closed inobservance of Columbus Day;the Organization of PetroleumExporting Countries publishesits Monthly Oil Market Report.

TUESDAYTreasury releases federal

budget for fiscal year 2015; theU.S. Energy Information Ad-ministration releases its DrillingProductivity Report, showingestimates for oil and gas out-put from the biggest shaleformations; the InternationalEnergy Agency releases itsmonthly Oil Market Report withthe latest forecasts for globaloil supply and demand; John-son & Johnson, CSX Corp. andJP Morgan Chase & Co. reportquarterly financial results.

WEDNESDAYLabor Department releases

the Producer Price Index forSeptember; Commerce De-partment releases retail salesdata for September and busi-ness inventories for August;Federal Reserve releases BeigeBook; BlackRock Inc., Bank ofAmerica Corp., Wells Fargo &Co., Delta Air Lines Inc. andNetflix Inc. report quarterlyfinancial results.

THURSDAYLabor releases weekly job-

less claims and ConsumerPrice Index for September;Freddie Mac releases weeklymortgage rates; the U.S. EnergyInformation Administrationreleases its natural gas andinventory reports; the U.S.Securities and Exchange Com-mission’s Investor AdvisoryCommittee meets to discussrecent market-structure devel-opments, pricing of exchange-traded funds and enforcementpriorities; BB&T Corp., United-Health Group Inc., CitigroupInc., The Goldman SachsGroup Inc., KeyCorp, US Ban-corp, Mattel Inc., SchlumbergerLtd., Charles Schwab Corp. andPhilip Morris International Inc.report quarterly financialresults.

FRIDAYFederal Reserve releases

industrial production for Sep-tember; Labor releases jobopenings and labor turnoversurvey for August; BakerHughes releases its rig countfor U.S. oil and gas rigs; Hon-eywell International Inc., Co-merica Inc. and General Elec-tric Co. report quarterly fi-nancial results.

ConventionsEducation: The Texas Elemen-tary Principals & SupervisorsAssociation is holding a confer-ence at the Convention Centeron Monday and Tuesday, withan expected attendance of500.

Medical: The American Soci-ety for Radiation Oncology isholding its 57th annual meet-ing at the Convention Centerfrom Saturday through Oct. 21,with an expected attendanceof 11,000.

THIS WEEK AHEAD

SEPTEMBER JOBS SNAPSHOT: On Friday, the Texas Workforce Commissionand Federal Reserve Bank of Dallas release unemployment data for the SanAntonio metropolitan area and the state for September. The San Antonioregion’s unemployment rate held steady in August at 3.5 percent for the thirdmonth in a row. That was the second lowest among the state’s majormetropolitan areas, higher only than Austin’s rate of 3.1 percent.

Kin Man Hui / San Antonio Express-News

At Monday’s opening bellDOWJONES

17,084.49

NASDAQ

4,830.47

S&P 500

2,014.89

10-YEARBOND

2.09

Garthwaite and his grouphighlight three other channelsthrough which soft oil priceshave adversely affected theAmerican economy: employ-ment, wages and dividendincome.

Employment in oil and oil-related industries has declinedby roughly 8 percent sinceOctober 2014, with initial job-less claims in North Dakota, aprime beneficiary of the shalerevolution, at extremely ele-vated levels.

During this period, averagehourly wages for those em-ployed in oil and gas extrac-tion shrank nearly 10 percent

after growing at a robust clipin the previous two years.

And the payouts to inves-tors who own oil stocks alsohave been cut, which CreditSuisse deems to be a modestnegative for household in-come.

“A fall in capex brings withit a fall in direct employmentand earnings (total payrollincome in the U.S. energysector is down by 18 percentsince November last year, forexample), as well as second-round effects on other in-dustries servicing the capexprocess, from machinery pro-ducers to catering and hotels,”the team wrote.

The team also found thedeclines in capital spendinghave much less of a front-

loaded shock on growth thanin the 1980s, the decade inwhich we last saw a supply-driven plunge in oil prices:

“As a result, even once theoil price has decisivelytroughed, the lag in both cut-ting (and restarting) capexprojects is such that capexcould remain a drag on GDPfor a number of quarters,”Garthwaite’s team wrote.

On the flip side, the positiveeffects for consumers havebeen slow to manifest, bestdepicted through the rise inthe percentage of income con-sumers elect to save.

This rise in savings ratio inthe U.S., Japan and continentalEurope speaks to concernabout the how long these low-er gas prices will endure. If

households believe the relief atthe pump is only temporary,they’re less likely to deploythose funds in more discre-tionary areas.

Garthwaite and his teamnote that consumers are com-ing around to the notion thatlower oil prices might be apermanent development andare loosening their pursestrings.

As such, Credit Suissemaintains that lower oil priceseventually will prove to be anet benefit for global growth,thanks to the transfer ofwealth to entities with a high-er marginal propensity toconsume as well as the pros-pect for more accommodativefiscal and monetary policylinked to softness in crude.

OILFrom page B1

The average 65-year-oldcouple retiring this year willface health care costs of$245,000 in the years ahead, up11 percent from a 2014 estimateof $220,000, according to a newreport.

That’s alarming if you’re 65— and maybe more alarming ifyou’re 25. (Imagine what thecost will be when you’re readyto retire.)

The higher number stems inpart from a change in assump-tions about how long we’ll live.In the wake of updated mortal-ity tables put out by the Societyof Actuaries last year, FidelityInvestments raised life expec-tancies in its annual RetireeHealth Care Cost Estimate. For2015, it assumes that a 65-year-old man will live to 85 and a65-year-old woman to 87. In2014, the estimate was 82 for aman and 85 for a woman.

The estimated annual in-crease in medical and prescrip-tion expenses stands at 4 to 5percent, about the same as lastyear. Prescription costs aretrending higher than medical,at slightly above 7 percent, saidSunit Patel, senior vice presi-dent of Fidelity’s Benefits Con-sulting group. Prescriptiondrug costs account for 23 per-cent of that $245,000 figure.Money spent on deductiblesand cost-sharing with an in-surer make up 43 percent, and34 percent goes to MedicarePart B and D premiums.

Fidelity’s calculation as-sumes that the couple are en-rolled in Medicare health cov-erage and have bought supple-mental (Medigap) insurance.Dental isn’t included (and canbe very expensive), nor is one

big, scary chunk of potentialcosts: long-term care.

Large as it is, Fidelity’s$245,000 estimate is lower thana projection of health carecosts in retirement released byHealthView Services this year.HealthView works with anactuarial company to come upwith life expectancies only forhealthy 65-year-old couples.That bumps up the life expec-tancies to 87 for a man and 89

for a woman.You’d think the estimated

costs for a healthy couplemight be lower, but the surveysuse different assumptions, sothere’s no apples-to-applescomparison to be made.HealthView’s estimate for a fit65-year-old couple retiring thisyear is $266,589. When dental,vision, co-pays and all out-of-pocket expenses are included,the tally rises to $394,954.

There are ways consumerscan try to defray some healthcare costs in retirement.

As more workers are putinto high-deductible healthcare plans, they often gainaccess to tax-advantaged healthsavings accounts, also knownas HSAs. These can help covermedical expenses in retire-ment, particularly if you openone when you’re young and itsearnings compound, tax-free,for decades. With HSAs, youcan roll over to the next yearany unused money you setaside, pre-tax, to cover healthexpenses.

That’s different from a flex-ible spending account, or FSA;if you don’t use that money in agiven year, you lose it.

Retirees facing high medical costs

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.

As more workers are put into high-deductiblehealth care plans, they often gain access totax-advantaged health savings accounts. Thesecan help cover medical expenses in retirement.

By Suzanne WoolleyBLOOMBERG NEWS

Elon Musk is a notoriousworkaholic. As the CEO of SpaceX and Tesla long has madeclear, he doesn’t really needmuch vacation. He’s describedlounging on the beach as “theworst,” and something thatwould leave him “super-duperbored.” He joked in a recentbiography that “vacation willkill you,” after recounting a tripthat left him with a malariainfection.

This makes Musk’s recentremarks to a Danish televisionstation so surprising and a re-minder that long hours cangrind down even the toughestand more passionate workers.

“My priority right now is totry to add some more manage-ment bench strength to Tesla inparticular so that I can take avacation,” Musk said in a recentinterview. “In the last 12 years,I’ve only tried to take a week offtwice.”

An emotional Musk grewmisty-eyed during parts of theinterview, and he reflected onthe toll that running SpaceX andTesla has had on him.

“Creating a company is al-most like having a child,” Musksaid. “It’s almost like, how doyou say your child should nothave food?

His interviewer asked, “Soonce you have the company, youhave to feed it and nurse it andtake care of it even if it ruinsyou?”

“Yeah,” a misty-eyed Musksaid.

After a long pause, Musk wasasked how he got through the2008 financial crisis.

“Yeah,” said Musk with ashake of his head. “Can we justbreak for a second?”

Musk was strikingly moreemotional and vulnerable thanin most interviews. Gone werethe usual efforts to present him-self as superhuman yet light-hearted. At one point, Muskacknowledged he has ques-tioned why he submits himselfto all the risks of running stress-ful companies such as SpaceXand Tesla. (Not to mention beingthe chairman of SolarCity.)

“It’s actually been a very diffi-cult journey, I have to say. But Ithink there are certain impor-tant things that we must do inorder for the future to be good.We must have sustainable ener-gy. If we don’t have that, thefuture is going to be terrible.”

EmotionalMusk tellsof strains ofbeing CEOBy Matt McFarlandWASHINGTON P OST

B2 | Monday, October 12, 2015 | SAN ANTONIO EXPRESS-NEWS AND MYSA.COM

SAN ANTONIO EXPRESS-NEWS AND MYSA.COM | Monday, October 12, 2015 | B3

BUSINESS

1 UT Health ScienceCenter named Paul Al-len Sr. chairman of thedepartment of physicianassistant studies.1 Globalscape Inc.named Matt Gouletchief operating officer.1 University of Texas atAustin’s McCombsSchool of Business recog-nized Jack Nelson, CEOand president of PropelFinancial Services, as a2015 Rising Star.1 Powell Law Firm has

opened offices at 1148 E.Commerce St. in St. PaulSquare.1 iHeartMedia Inc.named Steve Mills chiefinformation officer.1 The American PublicTransportation Associa-tion named VIA boardtrustee Lester Bryant toits board of directors.1 Gov. Greg Abbottnamed Rebecca “Su-zette” Tijerina, directorof pharmacy and mailoperations for CVS Care-mark, and Isaac “Chip”

Thornsburg, patrolofficer and local agencysecurity officer for theHelotes Police Depart-ment, to the Texas StateBoard of Pharmacy.1 Regions Bank namedDavid House vice presi-dent, business banking.1 Security Service Feder-al Credit Union namedRick Ramirez vice presi-dent of operational ac-counting.1 ABC Supply namedRick Zuniga managingpartner.

Allen Goulet Nelson Bryant House Ramirez

BRIEFCASE

HIGHCHAIRS

Details: Safety 1st Décor Woodhighchairs in three models:HC144BZF (Casablanca),HC229CZF (Gentle Lace) andHC229CYG (Black Lace). Themodel numbers are printedunder the highchair seat.“Safety 1st” is printed on thefront center of the tray. Theywere sold at Babies R Us andToys R Us retail stores nation-wide and online at www.Ama-zon.com, www.BabiesRUs-.com, www.ToysRUs.com andwww.Walmart.com and otheronline retailers from May 2013through this May.

Why: A child can remove thehighchair’s tray, posing a fallhazard.

For more: Call Safety 1st at877-717-7823 from 7 a.m. to 4p.m. Monday through Friday,send an email to decorwood-highchair@djgusa.com or visitwww.safety1st.com and clickon “Safety Notices” at the topof the page.

POP-UP HUNTINGBLINDS

Details: The blinds have aspring-loaded steel frame anda camouflage-colored heavy-duty 150-denier nylon shellwith a full-side zipper door,three large full-zip windowsand four porthole-style win-dows with shoot-throughmesh. The Guide Gear GroundPop-up Blinds measure 60” by60” by 66” fully assembledand weigh 20 pounds. Theywere sold at The SportsmansGuide outlet stores and onlineat www.sportsmansguide.com

from January 2013 through thisJuly.

Why: Blinds are not made offlame-resistant materials,posing a fire hazard.

For more: Call SportsmansGuide at 800-888-5222 from 7a.m. to 7 p.m. Monday throughFriday or visitwww.sportsmansguide.comand click on “Product SafetyRecalls” under “CustomerService” at the bottom of thepage.

RECREATIONALOFF-HIGHWAYVEHICLES

Details: Several model-year2015 Polaris RZR recreationaloff-highway vehicles sold at

Polaris dealers nationwidefrom July 2014 through thisAugust. They include the RZR900, RZR S 900, RZR 900 XC,RZR 4 900, RZR XP 1000 andRZR XP4 1000.

Why: The vehicles’ fuel tankvent line can be misrouted,causing it to become pinched.This can cause the fuel tank topressurize and leak fuel, posinga fire hazard.

For more: Call Polaris at888-704-5290 from 8 a.m. to5 p.m. Monday through Fridayor visit www.polaris.com andclick on “Product Safety Re-calls” under “Rider Communi-ty” at the bottom of the page.

YOUTH ALL-TERRAINVEHICLES

Details: Model-years 2015 and2016 Youth Model Can-AmTMDS 90TM and DS 90TMXATVs. The recalled vehicleshave an engine size of 90 cubiccentimeters. The vehiclescame in black and yellow.“Can-Am DS” and the enginesize is painted in white on bothsides of the vehicle’s fairing.“Can-Am” appears in whiteletters on both sides of theseat. They were sold at Can-Am dealers nationwide fromMay through September.

Why: The fuel filter can breakand leak, posing a fire hazard.

For more: Call BRP at 888-272-9222 from 8 a.m. to 8 p.m.Monday through Friday or visitwww.can-am.brp.com, click on“Off Road,” then “Owners,”“Safety” and then “SafetyRecalls.”

BED HANDLES

Details: Adult portable bedhandles sold by Bed HandlesInc. from 1994 through 2007that do not have safety re-tention straps to secure thehandle to the bed frame tokeep the handle from shiftingout of place and creating adangerous gap. Recalled mod-els include the Original BedsideAssistant (BA10W), the TravelHandles (BA11W) which is soldas a set of two bed handles,and the Adjustable BedsideAssistant (AJ1). They were soldby home health care stores,drug stores and medical equip-ment stores nationwide and inhome and health care catalogsfrom January 1994 throughDecember 2007. The originalrecall was announced May 20,2014; it was reannounced inSeptember because of a re-sponse rate of less than 1percent. The latest announce-ment was in response to re-ports of a fourth death.

Why: When attached to anadult’s bed without the use ofsafety retention straps, thehandle can shift out of place,creating a dangerous gapbetween it and the side of themattress. This poses a seriousrisk of entrapment, strangula-tion and death.

For more: Call Bed HandlesInc. at 800-725-6903 from8:30 a.m. to 4:30 p.m. Mondaythrough Friday or visitbedhandles.com and click on“Pre-2007 Voluntary ProductSafety Recall Information” atthe bottom of the page.

Associated Press

U.S. Consumer Product SafetyCommission

Safety 1st is recalling itsDécor Wood highchairs.

RECALL WRAPUP

Oct. 15: Due date for thosewho filed for an extension on2014 income tax return; start ofopen enrollment period forMedicare Advantage andMedicare prescription drugcoverage.

Nov. 1: Start of open enroll-ment period for health insur-ance purchased throughHealthCare.gov.

Nov. 26: Financial marketsclosed in observance ofThanksgiving; Gray Thursdayshopping day.

Nov. 27: Financial marketsclose early at noon; BlackFriday shopping day.

Nov. 30: First payment due forthose using the half-paymentoption; Cyber Monday shop-ping day.

Dec. 7: Last day of open enroll-ment period for MedicareAdvantage and Medicareprescription drug coverage.

Dec. 15: Last day to enroll in orchange a HealthCare.gov planand have it take effect Jan. 1;U.S. Postal Service’s recom-mended mail-by date foron-time delivery of holidaypackages sent via standardpost.

Dec. 19: USPS’ recommendedmail-by date for on-time deliv-ery of holiday cards and small

packages sent via first-classmail.

Dec. 24: Financial marketsclose early at noon; last shop-ping day before Christmas.

Dec. 25: Financial marketsclosed in observance of Christ-mas.

Jan. 1: First day coveragepurchased through Health-Care.gov can begin for 2016;Medicare Advantage andprescription coverage changestake effect; start of generalenrollment period for originalMedicare and disenrollmentperiod for Medicare Advantage;Bexar Appraisal District deter-mines ownership and value oftaxable property; financialmarkets closed in observanceof New Year’s Day.

Jan. 15: Last day to enroll in orchange a HealthCare.gov planand have it take effect Feb. 1;last installment of 2015 incometaxes due if not paying throughwithholding..

Jan. 18: Financial marketsclosed in observance of MartinLuther King Jr. Day.

Jan. 31: Last day for openenrollment period for Health-Care.gov coverage; first proper-ty tax payment on quarterlyplan due.

Feb. 1: Last day to pay 2015 tax

bill without penalty and in-terest since Jan. 31 falls on aSunday.

Feb. 14: Last day for MedicareAdvantage disenrollmentperiod.

Feb. 15: Financial marketsclosed in observance of Wash-ington’s Birthday.

Feb. 29: Last day of enroll-ment period for Texas TuitionPromise Fund for most benefi-ciaries.

March 1: Coverage throughHealthCare.gov plans pur-chased between Jan. 16-31takes effect.

March 25: Financial marketsclosed in observance of GoodFriday.

March 31: Second property taxpayment on quarterly plan due;last day for general enrollmentperiod for original Medicare.

April 1: Early collection fees of15 to 20 percent may be im-posed on personal propertyaccounts to offset collectioncosts.

April 15: Due date for 2015income tax return or applica-tion for a six-month extension;first installment of estimated2016 income taxes due if notpaying through withholding;due date to file Schedule H

(Form 1040), Household Em-ployment Taxes, with IRS;rendition statements on allpersonal property accountsmust be filed with the BexarAppraisal District.

April 30: Last day to file for ahomestead exemption applica-tion at Bexar Appraisal District.

May 1: Initial payment due forTexas Tuition Promise Fundaccounts created during 2015-16 enrollment period.

May 28-30: Texas Energy StarSales Tax Holiday.

May 30: Financial marketsclosed in observance of Memo-rial Day.

May 31: Third property taxpayment on quarterly plan due;last day to appeal proposed2016 property values withBexar Appraisal District.

June 15: Second installment of2016 income taxes due if notpaying through withholding.

June 30: Second property taxpayment due for those usingthe half-payment option; lastday to make a payment agree-ment to avoid attorney fees(outside of an active lawsuit).

July 1: All delinquent Bexar taxaccounts for the current yearare turned over to the taxattorneys for collection.

File photo

The openenrollmentperiod forMedicareAdvantageandprescriptiondrug plansruns fromThursdaythroughDec. 7.

MARK THE DATE: PERSONAL FINANCE

Bexar County’s revenue-sharing agreement with the Spurs, worked out during1999 negotiations over building the team’s new home, has yet to benefit the county.Under the deal, the county collects revenue from subsidiary Community ArenaManagement and not the Spurs organization itself. Track the annual operatingincomes of the two groups with the charts accompanying Staff Writer RichardWebner’s article on Express-News.com.

EXPRESSNEWS.COM HIGHLIGHT

Kin Man Hui / San Antonio Express-News

Spurs arena yielding no profit sharing

lion peak in 2007, hous-ing crashed and thenrecovered, but just barely,to $21.5 trillion, a gain of3.9 percent. Things actu-ally are a little better thanthat because we also paiddown (or had foreclosed)home mortgages. Theywent from $10.6 trillion in2007 to $9.4 trillion, adecline of nearly 12 per-cent. So our houses areworth a bit more and weowe less on them.

But those figures don’tsort out the churn. Somepeople didn’t participatein the recovery. They losttheir houses and becamerenters. Others still maybe short of recovery,having purchased closeto the market peak. But ifyou bought your homewell before 2007 (theearlier the better), you’veprobably got more equitythan you thought youhad in 2007.

Another wrinkle isthat the Federal Reservefigures indicate a recov-ery nationally, but it real-ly depends on where youlive. According to theCase-Shiller indexes, LasVegas, Phoenix and Mi-ami still are far belowtheir peak in the bubble.San Francisco is justshort of recovered. LosAngeles has only 13 per-cent to go. Denver andDallas, on the otherhand, never crashed.They are up a healthy,but not worrisome,amount.

We may have the sameamount of money in ourhomes collectively, but ithas moved into differentpockets.1 Holdings in individualstocks are up. The valueof the stocks we hold is

up a handsome 36 per-cent, from $9.9 trillion to$13.5 trillion. But that’sanother distributionstory. Most people don’town individual stocks, sothe major beneficiaries ofindividual stock owner-ship are the big dogs.1 Mutual funds are up,too. The best news ishere. The value of mutualfunds we collectively ownhas risen from $4.6 tril-lion to $7.8 trillion, morethan 65 percent. With amultitude of 401(k),403(b) and IRA accountsout there, this is whereit’s difficult to argue thatonly the rich are gettingricher. Lots of regularworking stiffs have beengetting richer, too.

Another interestingchange is that houseshave dropped from 25.5percent of our total assetsto 21.3 percent. Mutualfunds have increasedfrom 5.7 percent to 8.3percent. That’s a goodthing. It means we’recollectively less depen-dent on housing for oursense of personal wealth.

Questions about personalfinance and investmentsmay be sent by email toscott@scottburns.com. Visitwww.assetbuilder.com tocomment on any of hisarticles, to find referencedWeb links or to discusspersonal finance topics onhis forums. Questions ofgeneral interest will beanswered in future columnsand on the website.

BURNSFrom page B1

Figures indicate a(housing) recoverynationally, but itreally depends onwhere you live.

MANUEL J. (PIPO) JIMENEZDecember 25, 1927 - October 8, 2015

Manuel J. Jimenez, born December25, 1927, affectionately known tofamily and friends simply as "Pipo"He began his eternal service to theLord, our Father, in heaven, onOctober 8, 2015 at the age of 87.He was reunited with his belovedparents, Manuel J. Jimenez, Joeand Nora Viagran Rios, daughterCindy J. Sotello, granddaughterDenise Quintero, and sisterYolanda R. Perez. He is survivedby his beloved sons Manuel C.Jimenez, Robert J. Jimenez, andAlbert T.(Pam) Jimenez, mother ofhis children Louisa T. Jimenez,grandchildren Aaron, Vanessa,Manuel Jesse, Robert Jr., Jennifer,Isabel, Joseph, Christopher, Gilbert,Crystal, Aerika, Alyxas, Austyn,Albert, and numerousgreat-grandchildern, uncle, aunt,nieces, nephews, cousins and ahost of friends. A proud Veteran heserved his country in the KoreanWar in the U.S Army, anddedicated 36 years of civil serviceKelly AFB. He founded his ownbusiness Pipo’s Lounge since 1983in Losoya,Tx. In addition to hisdedicated service to his countryand city, he devoted his time to theGrandHumanica’s in El Carmen

Church and gave numerousanonymous donations. In hisyounger years he played baseballfor the Old Spanish AmericanLeague. Pipo was a wonderfulloving, generous, supportive personwho was always there to lend ahelping hand. He loved to dance,listen to his juke box, he raisedchickens and only he could feedthem, he enjoyed watching oldwestern movies and sportschannels, he loved being aroundfamily and friends. Daddy we loveyou. You will be greatly missed but,never forgotten and you will foreverbe in our hearts.

SERVICEVisitation will be on Wednesday,October 14, 2015 from 5:00-9:00P.M. with a Rosary to be recited at7:00 P.M at Mission Park FuneralChapels South. Funeral Service willbe Thursday, October 15, 2015 at10:00 A.M. at Our Lady of Mt.Carmel Catholic Church-Losoya18555 Leal Rd. San Antonio, TX78221 with interment to follow at ElCarmen Cemetery. For personalacknowledgment you may sign theguest book atwww.missionparks.com in theobituary section.

FRANK SALAZAR BARRERAJuly 29, 1928 - October 6, 2015

Frank Salazar Barrera was calledhome by the Lord on October 6,2015, at the age of 87. He wasborn in San Antonio, Texas, onJuly 29, 1928. Frank proudlyserved his country in the UnitedStates Air Force, and dutifully gave29 years of service to Kelly AirForce Base. He and his loving wifeof 63 years, Mary Lou, whopreceded him in death, were activemembers of their home parish.During his service to God, Frankserved through the Cursillistasmovement, and served many yearsas an officer in the Knights ofColumbus. Frank is survived by hischildren, Patricia Garcia (Jose),

Linda Ramirez, Margaret Gaitan(Thomas), Peter Barrera (Nora),and Virginia Garcia (Benito); 14grandchildren; 12great-grandchildren. Visitation willbe held at Castillo Mission FuneralHome, from 1 p.m.- 9 p.m.,Sunday, October 11, 2015, with aRosary to be recited at 7 p.m.Procession departs at 9:00 a.m. onMonday, October 12, 2015, for a9:30 a.m. Mass at St. JohnBerchmans, 1147 Cupples Road.Interment will be followed at FortSam Houston National Cemetery.Services under the direction ofCastillo Mission Funeral Home.

OBITUARY INDEX

Barrera, FrankBurkey, Randall Jimenez, Manuel

Jolley, JohnLee, Marvin

Massengale, Phyllis

Nentwich, Carl Ortiz, Eugenia

Pool, BettyPruski, Vernon Tuttle, Meda

PHYLLIS ANN MASSENGALEJuly 16, 1946 - October 9, 2015

Phyllis Ann Massengale, CPA(retired), age 69, died on October9, 2015. l am NOT gone to meetmy maker or anyone else; I amsimply dead. Forever.

The Younger of identical twins, lwas born on July 16, 1946, in SanAntonio. I was a CPA and agraduate of UTSA (1976). Women’srights were my main concern. l heldmany volunteer offices, includingPresident of: San Antonio Desk &Derrick Club (1982), and Region IVDirector (TX and AR) (1983):American Society of WomenAccountants San Antonio Chapter(1992); Mission City Business andProfessional Womens Club (1997);Friends of McCreless Library(1999); and all offices exceptPresident of the Women’s PoliticalCaucus of Bexar County. l was alsoa long-time board member ofPlanned Parenthood of San

Antonio and South Central Texas,and 2001 recipient of their awardfor Volunteer Excellence. I was acard-carrying member of manyliberal-leaning organizations fromAmericans United for theSeparation of Church and State allthe way through the alphabet to theWar Resisters League.

l am survived by mother, PaulineStout, son Paul, sister Paula, halfbrother Jack Stout and his wifeBetty, and many close and helpfulfriends, especially Melinda Gauland Yulanee McKnight.

I will be cremated by MissionFuneral Home. A memorialcelebration will be held at a timeand place to be determined.Memorial gifts may be made toPlanned Parenthood Trust of SanAntonio, 104 Babcock Rd, 78201.

MARVIN LURY LEEOctober 21, 1929 - October 7, 2015

Marvin Lury Lee was born onOctober 21, 1929 and went to bewith the Lord on October 7, 2015 atthe age of 85. He is preceded indeath by his father Henry, motherFlorence and sister Izetta Leibham.He is survived by his loving wife of58 years Nancy Lee, his daughtersCindy Jean Fearon and SuzanneLevan, grandchildren StephaniePlaza, Dustin Levan, StevlandGarza, Victoria Waite, QuintenFearon, Randall Levan, NickFearon and Valeria Levan, andgreat-grandchildren Said Garza,Penelope Levan, Preslee Waite,Kaylee Waite, Oliver Garza, OliviaLevan and Birdie Kay Garza. Marvin proudly served and retired

from the United States CoastGuard after 21 years followed bymore than 20 years of civil serviceat Wilford Hall Medical Center. Formore than 43 years Marvin sharedhis love for the Lord with hischurch family at Lackland BaptistChurch. He will be dearly missedby all who knew and loved him.Visitation will be held Tuesday,October 13, 2015 at Mission ParkFuneral Chapels South from 7PMto 8:30PM. Funeral Service will beheld 10:00 AM Wednesday,October 14, 2015 at LacklandBaptist Church at 2718 Frontier,followed by interment in MissionBurial Park South.

RANDALL "RANDY" CONWAY BURKEYSeptember 21, 1924 - October 10, 2015

Mr. Randall "Randy" ConwayBurkey of Doss, Texas formerly ofSan Antonio, Texas passed awayat his home on Saturday, October10th, 2015 at the age of 91 years.He was born September 21st, 1924in Cincinnati, Ohio, the son ofGeorge Randall Burkey and MaryEllen Purdum Burkey, served in theunited States Marine Corp., fromApril 21st, 1943 to November 19th,1945, married Jacqueline Rebholzon January 12th, 1947, shepreceded his in death 1979, Randymarried Audelle Woerner on April10th, 1982 in Comfort, Texas,owned and operated his ownbusiness, Randall Burkey Companyin San Antonio for 42 years.

He preceded in death by hisparents, first wife Jackie, and by asister Betty Patton,

Randy is survived by his wifeAudelle Woerner Burkey of Doss,their children & spouses, Ronald &Edith Burkey of Boerne, Texas,Janice & Rev. Jim Holt of Comfort,Texas, Robert & Molly Burkey ofSan Antonio, Troy Hagel of NewBraunfels, Texas, Kim & Major Selfof Corpus Christi, Texas, Lori & BillPieratt of College Station, Texas,12 grandchildren and 16 greatgrandchildren

Funeral services for Randy Burkeywill be held on Tuesday, October13th, 2015 at 2:00 P. M. in the St.Peter Lutheran Church in Doss,Texas, with Pastor Mark A. Wardand Pastor Jim Holt officiating.

Graveside services and intermentwill follow in the St. Peter LutheranChurch Cemetery in Doss, withMilitary Honors.

Those who so desire may makememorial contributions in hismemory to the St. Peter LutheranChurch, Doss Volunteer Fire Dept.,Wounded Worriers, or to the charityof their choice.

Visitation for Randy Burkey will beon Monday afternoon from 5 to7:00 P.M. and on Tuesday morningfrom 7:00 A.M. to 12 Noon in theSchaetter Funeral Home inFredericksburg, and from 1 to 2:00P. M. in the St. Peter LutheranChurch in Doss, Texas.

Expressions of sympathy may besent at www.schaetter.com

Arrangements are by the SchaetterFuneral Home of Fredericksburg

CARL ALBERT NENTWICHJanuary 27, 1941 - October 5, 2015

Carl Albert Nentwich passed awaypeacefully on October 5, 2015 aftera long and courageous battle withParkinson’s Disease and FXTAS.Carl was born on January 27, 1941in San Antonio, Texas to Thekla(Weilbacher) and Arthur Nentwich.He grew up on the family ranch insouthwest Bexar County nearMacdona, Texas. He was alwaysvery proud of his heritage as partof a pioneer ranching family.

Carl graduated from SouthwestHigh School as valedictorian at theyoung age of sixteen. Afterward, heattended preparatory school andTexas Lutheran University until hewas old enough to enroll at theUniversity of Texas. He graduatedfrom UT with a BS in CivilEngineering in 1962 and a Masterof Business Administration in 1963.While at UT, he served asPresident of the Sigma Nufraternity, Vice President of theStudent Assembly, and was amember of the Texas Cowboys andseveral honor societies.

Early in his career, Carl worked inreal estate development for the DelWebb Corporation in their Houstonand Chicago offices. In 1966, hereturned to San Antonio and begana 42-year career as a real estateappraiser and broker. Carl wasvery active in the San AntonioBoard of Realtors, receivingnumerous awards andcommendations including"Salesman of the Year" and"Broker of the Year." He served asPresident of SABOR in 1979 andcontinued as an active member ofthe Government Affairs Committeefor 30 years thereafter. Additionally,he served on the boards andcommittees of many otherorganizations including The GreaterSan Antonio Chamber ofCommerce, American Institute ofReal Estate Appraisers, GreaterEdwards Aquifer Alliance, PaseoDel Rio Association, San AntonioConservation Society, BexarAppraisal District’s AppraisalReview Board, Texas Associationsof Professionals FCU, SouthsideChamber of Commerce, TexasWildlife Association, San AntonioLivestock Exposition, YMCA,Make-A-Wish Foundation, and AnyBaby Can. Other communitymemberships included the SanAntonio German Club, South TexasArea Farm and Ranch Club (Vice

President), and Saint John’sEpiscopal Church (New Braunfels).

Those closest to Carl will mostfondly remember his passion forhunting, his love of gardening, hisdevotion to the Texas Longhorns,and his undying love of the SanAntonio Spurs.

Carl is preceded in death by hisparents. He is survived by hisdaughters and their husbands: Coryand Phil Bakke, Cindy and JimmyBartz (Los Angeles), and Courtneyand Scott Storment; and hisgrandchildren: Brandt Bakke, WestBakke, Jas Bartz, Jade Bartz,Abbie Storment and CarolineStorment. He is also survived byhis sisters and brothers-in-law, Kittyand Ernest Janiga, and Lucy andSidney Alderman (Sausalito, CA);and along with many more nieces,nephews and cousins. Carl is alsosurvived by his loving companion ofthe past seven years, Helen Nolen,of New Braunfels.

The family would like to expresstheir heartfelt thanks for Carl’sdevoted caregivers, especiallySpring Dyer, Victoria Garza, SarahJackson, Louise Johnson, HeatherLangston, Lori Lopez, DebraPatterson, Priscilla Villarreal, andAngelia Yancey. They are also verygrateful to Hope Hospice for theirloving care of Carl during his finalweeks.

MEMORIAL SERVICETUESDAY, OCTOBER 13, 2015

11:00 AMST. LUKE’S EPISCOPAL CHURCH

11 ST. LUKE’S LANE

The Reverends David Read, JamesP. Bartz and Ripp Hardawayofficiating. In lieu of flowers, thefamily requests donations to one ofthe following organizations or to thecharity of your choice: San AntonioBotanical Garden, 555 FunstonPlace, San Antonio, Texas 78209;Texas Exes, P.O. Box 142309,Austin, TX 78714; or UT HealthScience Center, San Antonio Officeof Institutional Advancement, 7703Floyd Curl Drive, San Antonio,Texas 78229-3900.

You are invited to signThe guestbook at

www.porterloring.com

Arrangements with

BETTY JEAN POOLFebruary 19, 1937 - October 10, 2015

Betty Jean Pool went to be with theLord on October 10, 2015 at theage of 78. She is preceded indeath by her parents Bernice andErby Blackstock. Betty is survivedby her husband Billy; son Larry(Sharon); grandson Robert Pool(Amanda); grandson Bradley Pool(Stephanie); great-grandsonsWesley, Beau and Elliot.

SERVICES Visitation will be Tuesday, October

13, 2015 from 5:00 - 8:00 P.M. atMission Park Funeral ChapelsSouth. Funeral Service will beWednesday, October 14, 2015 at11:00 A.M. at Mission ParksFuneral Chapels South intermentwill follow in Mission Burial ParkSouth. For personalacknowledgment you may sign theguest book atwww.missionparks.com in theobituary section.

JOHN E. JOLLEY "POP"June 16, 1936 - October 9, 2015

John E. Jolley born in Columbus,Ohio went to be with the Lord onOctober 9, 2015 at the age of 79.He is preceded in death by hisparents Joe & Helen Holt; wivesMary Jolley and Dolores Jolley. Heis survived by his son Phillip Jolley;daughter Deborah Reeh. John wasa truck driver for Southern Pacificfor many years. He loved to fishand build things. Everyone knewhim as "Pop". He was a very givingand helpful man, never turninganyone down. John was

considered a true man and wasloved by many. We will miss you"Pop"! A visitation will be from 5:00p.m. - 8:00 p.m. on Tuesday,October 13, 2015 at Mission ParkFuneral Chapels South. His life willbe celebrated with a ChapelService on Wednesday, October14, 2015 at 3:00 p.m., at MissionPark Funeral Chapels South.Interment to follow at Mission BurialPark South.

Monday, October 12, 2015 | PAGE B 4 | SAN ANTONIO EXPRESS-NEWS

Life TributesAgent Parr savedReagan’s life in 1981

Jerry Parr, a quick-thinkingand fast-moving Secret Serviceagent who was credited withsaving the life of PresidentRonald Reagan after the 1981assassination attempt, diedFriday in Washington at 85.

Parr had been an electricpower lineman before his Se-cret Service years, and he was aclergyman in retirement. Hewas best known for the fraughtmoments after gunfire eruptedMarch 30, 1981, in Washington.Parr pushed the president intoan awaiting limousine.

He immediately ordered thatthe limo be driven to GeorgeWashington University Hospi-tal instead of the White House.The president survived, but hehad a close call.

Over the years, Parr provid-ed security for some of theworld’s most prominent fig-ures. His career took him to all50 states and 37 countries.

Washington Post

NOTABLEPASSINGS

Irene McCrystal, a longtimeEnglish professor at San Anto-nio College who wrote booksabout the Civil War, died Oct.4 in San Antonio. She was 89.

McCrystal, who was born inMassachusetts, spent nineyears as a nun before leavingthe sisterhood and becoming aprofessor, friend CatherineLaidig said.

She started her career atMarymount College of Kansasand taught for 37 years beforeretiring from San AntonioCollege in 1991.

At her corral at MedinaLake, McCrystal indulged inher love of animals, takingcare of birds, dogs, cats and adonkey. One of her books,“Sunshine in a Cup,” is a col-lection of stories about herpets, whom she refers to as“the troops.”

Another one of her books isabout Mary Surratt, who wasconvicted and hanged in 1865for her involvement in the

assassination of PresidentAbraham Lincoln. The book isa “spirited defense” of Surratt,examining her through a femi-nist lens, said John Igo, whotaught with McCrystal at SanAntonio College.

McCrystal was a reservedperson, “known well only tothose closest to her,” accordingto an obituary she wrote forherself.

She was a compassionateperson who would make apoint of befriending peoplewith troubles, Igo said.

“She dumped compassionon anyone who needed it,” Igosaid.

She was also a passionatemember of the faculty Senateat the college, fighting formore faculty control over eval-uations, promotions and com-

mittee appointments, herfriends said. Her wit and in-telligence made her a favoriteamong students.

McCrystal’s teaching stylewas to confide in students, “asin, ‘This is what I know, this iswhat I’ve learned, and I’mgoing to share it with you,’”Igo said.

Another passion forMcCrystal was travel. Shemade visits to Africa, Alaska,Canada and Europe, and sheonce kayaked from Maine toCape Cod. She kept vacationhomes in Bandera and Rock-port.

She filled her time withother hobbies: She played the

piano, mandolin and violin,and in later years she took uppainting, favoring images ofanimals and water, Laidigsaid.

McCrystal suffered fromdementia in the years beforeher death. Her ailment forcedher to leave her corral in 2011to live in a travel trailer on afriend’s property, Laidig said.After taking some falls, shemoved into hospice care.

Even after leaving the sis-terhood, McCrystal remainedreligious and was a member ofthe Episcopal Church.

rwebner@express-news.netTwitter: @rwebner

McCrystal taught English, loved animalsBy Richard WebnerSTAFF WRITER

IreneMcCrystal’steaching careerran 37 years. Sheretired from SanAntonio Collegein 1991.

Dr. Irene McCrystalBorn: Nov. 25, 1925, Medford,Massachusetts

Died: Oct. 4, 2015, San Antonio

Preceded by: Parents Col. andMrs. William F. McCrystal Sr.,sister Shirley McCrystal Walsh

and brother Maj. William F.McCrystal Jr.

Survivors: A nephew, one grand-nephew and several cousins.

Service: Private ceremonyplanned.

SAN ANTONIO EXPRESS-NEWS AND MYSA.COM | Monday, October 12, 2015 | B5

BUSINESS

The San AntonioAngel of Hope Foundation

In remembrance ofOur Little Angels

A tribute to allchildren in heaven.

(210) 651-1904www.saangelofhope.org

EUGENIA C. ORTIZDecember 20, 1932 - October 8, 2015

Eugenia C. Ortiz, born December20, 1932 in México, was calledhome to be with the Lord onOctober 8, 2015 at the blessed ageof 82. She is reunited in heavenwith her husband Isidro R. Ortiz;parents Benjamin and TomasaCruz. She is loved and will begreatly missed by her children AnaMaria Perez, Jose Ortiz, Isidro RaulOrtiz, Rogelio Ortiz, Jesus JavierOrtiz (Elsa), Martha EugeniaEspinoza (Roberto), Hector Ortiz;numerous grandchildren; 2great-grandchildren; brothers Darioand Efrain Cruz, as well as

extended family members. Heavenhas gained a treasured soul. Shewill live forever in the hearts of herfamily and friends.

SERVICESVisitation will be held on Tuesday,October 13, 2015 from 1:00 PM -9:00 PM with a rosary at 7:00 PMat Castillo Mission Funeral Home.Procession will depart from thefuneral home on Wednesday,October 14, 2015 at 9:30 AM for a10:00 AM Mass at Sacred HeartCatholic Church. Interment to followat San Fernando Cemetery II.

Honor Their LegacyCommemorate your loved one by sharingmemorable moments and supporting each

other during this difficult time.

Celebrate the lives that have meant so muchto you in the online guest book.

mySA.com/LifeTributes

VERNON ANTHONY PRUSKIMarch 14, 1948 - October 9, 2015

Vernon Anthony Pruski, 67, of SanAntonio, Texas passed awaypeacefully on Friday, October 9,2015. He was born on March 14,1948 in Wilson County. He marriedAlene (Sami) Wiatrek on October24, 1970. He is preceded in deathby his wife Sami, parents Henryand Magdalene Pawlik Pruski,in-laws Benedict and Susie LyssyWiatrek, and brother, Eldren Pruski.He is survived by a daughter,Debbie Moy and husband Jason,son, Daryl Pruski and wife Jennifer,grandchildren, Trevor and KyleMoy, and Tate and Addison Pruski;brothers, Edward (Annie), Jerry(Marilyn), Lloyd (Bernadette), Frank(Kim), and Glen (Wendy); sisters,Mary Walker (Rob) and JoAnnOtero (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 AllanWiatrek (Vernell); numerousawesome nieces and nephews. Hewill be missed by his friends andfamily for his love of life andcontagious smile. A Rosary servicewas held on Sunday, October 11,2015 at the Holy Name CatholicChurch in San Antonio. FatherMartin Parayno celebrated aFuneral Mass on Monday, October12, 2015 at the church. Intermentfollowed at the St. Ann’s CatholicCemetery in Kosciusko. In lieu offlowers, memorial donations can bemade to the Father LeopoldMoczygemba Foundation, P.O. Box9, Panna Maria, TX 78144. Onlineguestbook may be signed atwww.finchfuneralchapels.com.

MEDA JEAN MASSIE TUTTLEAugust 19, 1955 - October 9, 2015

Meda Jean Massie Tuttle, "Jeanie"to all who knew and loved her- wasa force of nature and a bright lightof love, joy and faith to all whoever had the honor of being in herpresence. She left this home forone more eternal on October 9,2015, at the age of 60.Born August 19, 1955, to Rose andLudy Massie of Lubbock, Texas,Jeanie was the much adored babysister to two older sisters and twoolder brothers. She never lackedfor playmates, babysitters or peopleto blame their missteps on her."Jeanie did it!" was a commonrefrain in the Massie house andbecame an all-purpose punchlineas the kids became adults and thefamily grew. She bore it as she didmost everything in life: with a loudlaugh and a witty comeback. Shegrew up learning to love cooking,games, and crafting from hermother and inherited her ear formusic and love of singing from herfather.Jeanie received her education atLubbock Christian Schools andLubbock Christian College. Shegraduated from LCC in 1977 with aBachelor’s Degree in Educationand received additionalcertifications from Texas TechUniversity, Southwest Texas StateUniversity and San AntonioCommunity College. She laterobtained her Masters in LibraryScience from the University ofTexas in 1992.

An educator and voracious reader,Jeanie blessed and enriched thelives of thousands of students overher 37 years in teaching. Shetaught at Christian Heritage Schooland Garner Middle School in SanAntonio, Texas and at CovingtonMiddle School in Austin, Texas andthen was the school librarian atSunset Valley Elementary andClayton Elementary in Austin,Texas. In 2013, Jeanie wasselected as the Austin IndependentSchool District Elementary SchoolLibrarian of the Year.

For all of her manyaccomplishments, the pride and joyof Jeanie’s life was her family.Jeanie married Charles Lee Tuttleon June 23, 1989 in San Antonio,Texas. Together they loved andraised two children; Haylie Rose,born in 1996, and Charles Tyler,born in 1997. Jeanie thrived in herroles of wife and mother and lovednothing more than to be with herfamily. Jeanie and Charlie built fortheir children a home that has beenfull of love, laughter, music,delicious food, stacks of books andmovies, and that has a strongfoundation of faith and hope inJesus Christ.

Jeanie is preceded in death by her

parents, Ludy and Rose Massie;two sisters, Jana Lynn MassiePaterson and Marta Gail MassieFenter; and one nephew, NealTaylor Massie.She is survived by her husband,Charles Tuttle of Buda, Texas; herchildren, Haylie Rose and CharlesTyler, and her goddaughter, ZoeScott, all students at Texas A&MUniversity; her brother, LloydMassie, and his wife Pam, of Hutto,Texas; her brother, Terry Massie,and his wife, Pati, of Lubbock,Texas; her brother-in-law, RandyFenter, and his wife, Karen, ofCedar Park, Texas; herbrother-in-law, Graham Paterson,and his wife, Anna, of Tucson,Arizona; her mother-in-law, DebbieTuttle, of Midland, Texas; herfather-in-law, Charles W. Tuttle, ofPoteet, Texas; her brother-in-law,Raland Tuttle, and his wife, Julie,of Midland, Texas; sister-in-law,Stephanie Washington,and herhusband, Brian, of N. Charleston,South Carolina; sister-in-law,Tammy Hoogerwerf, of Lewisville,Texas; 20 nieces and nephews, 18great-nieces and great-nephews;and many cousins and friends.

Over her six decades of life, JeanieTuttle changed the world for thebetter. She was an exemplary wifeand mother, a devoted daughter, aloyal sister and friend, a funny andgenerous aunt, and a dedicatedteacher. Jeanie touched the lives ofeveryone she met- she wasstunningly generous with her timeand her knowledge; she wasoutrageously funny and loved tolaugh; she was tenderhearted,compassionate and a terrificcaretaker. When she wasdiagnosed with ALS, Jeanie did notwaiver in her faith nor lose herhope or her joy. She continued toencourage and support thosearound her and to give thanks forher beautiful life and her family witha twinkle in her eye and a smile onher face. All who knew her willmiss her exuberant laughter, herdistinctively beautiful alto voice, herstrong bear hugs and her biggerthan life presence. However, weknow that when all is said anddone, when we look for a life and afaith that was well and joyouslylived, the only thing to say is,"Jeanie did it!" All praise to God!

A Celebration of Life service will beheld at 1:00PM on Saturday,October 17, 2015 at Beck FuneralHome, 1700 East Whitestone Blvd.(FM 1431), Cedar Park, Texas78613.

Personal words of comfort andmemories may be shared with theTuttle family at our onlineguestbook atwww.beckchapels.com.

pensated for that. This is thefault of servicers, but it’s alsothe fault of the (EducationDepartment) for not writingthis into their contracts.”

Denise Horn, a spokeswom-an for the Education Depart-ment, said the agency contin-ues to strengthen the federaldirect loan program “to ensureall students and families re-ceive the highest quality sup-port from their federal loanservicers.”

She added: “Everyone needsto do more to protect studentloan borrowers — includingservicers — and we’ll continueto take steps to strengthen theprogram and enhance over-sight.”

A recent questionnaire byYoung Invincibles, a nonprofitadvocacy group, points tosome of the weaknesses instudent loan servicing.

One common borrower com-plaint among the roughly 1,200people who responded to thesurvey was that servicers sim-ply fail to follow instructions.Borrowers hoping to reduceboth the cost and the length oftheir repayment period, forexample, often ask servicers tosteer payments toward higher-cost loans first. In a number ofcases, recipients said, the com-panies ignored these requests.

“For servicers to ignore ordo the opposite thing that aborrower would request isindicative of something verynegative going on in the in-dustry,” said Jennifer Wang,policy director at Young In-vincibles.

Improper levying of late feeswas another practice cited bythose shouldering studentloans. So were losing paper-work and making repeatedrequests for documentation.

Perhaps the biggest problem

cited by borrowers and theiradvocates was the failure ofstudent loan servicers to ad-vise their customers of the fullarray of repayment plans avail-able to them. In many cases,this means borrowers don’tknow they are eligible for loanrelief and so don’t receive it.

Such relief includes repay-ment plans for federal loansbased on a borrower’s incomeand family size, or debt for-giveness programs for borrow-ers who work in public ser-vice. Military service membersalso have a right to a lowerinterest rate while they are onactive duty.

But many eligible borrowersdon’t hear about these options,advocates say. An August re-port from the GovernmentAccountability Office estimat-ed that 51 percent of studentloan borrowers nationwide areeligible for income-based re-payment plans, but only 15percent are enrolled.

Rather than offer one of

these programs, servicersoften suggest loan forbearance,in which the borrower stopsmaking payments temporarily.But because interest keepspiling up on the loan duringthe forbearance period, this isan expensive alternative. Andsome private student loanservicers charge a $150 fee toput an account into forbear-ance.

Servicers say the complexityof federal student loan ar-rangements creates problemsboth for their workers whomust try to explain these dealsand for borrowers who need tounderstand them. But servic-ers receive $600 million a yearfor their work, and explainingloan terms is surely one of thejobs they are being paid toperform.

“For a servicer to see a stu-dent loan borrower struggleand not help them get into theright repayment plan is a hugecustomer service failure,”Wang said.

Associated Press / File photo

Student loan borrowers are experiencing high distress levelscompared with borrowers with other types of consumer debt.

LOANSFrom page B1

erty is located.

5. A typical property is taxedby several local entities suchas a county, a city, a publicschool district, a college dis-trict, a hospital district.

6. It’s most likely too late to

fight the bill if you think yourproperty’s valuation is toohigh. With the exception of ahandful of special circum-stances, the deadline to contestproperty values was May 31.

7. Unpaid property taxes canlead to foreclosure. Thousandsof homes, commercial proper-ties and land parcels are auc-tioned each month on county

courthouse steps across thestate because of unpaid prop-erty taxes.

8. Not receiving a tax state-ment from your county doesn’tget you off the hook. Texas lawsays property owners are re-sponsible for paying the billeven if the owner doesn’t re-ceive it. Those who don’t re-ceive a bill by Nov. 1 should

contact their local tax asses-sor-collector.

9. According to the Tax Foun-dation, an independent re-search organization, Texas’effective property tax rates forhomeowners are the sixth-highest of all 50 states.

10. More than 4,000 local gov-ernments levy property taxesin Texas. Combined, they lev-

ied more than $45 billion inproperty taxes in fiscal 2013,according to the Texas PublicPolicy Foundation.

Mary Belan Doggett is vicepresident and division generalcounsel at San Antonio-basedPropel Financial Services, whichprovides property tax lienfinancing solutions to propertyowners throughout Texas.

TAXESFrom page B1

WASHINGTON — A collegedegree practically stamped An-dres Aguirre’s ticket to the mid-dle class. Yet at age 40, he’s stillpaying the price of admission.

After a decade of repayments,Aguirre still diverts $512 amonth to loans and owes$20,000.

The expense requires hisfamily to rent an apartment inCampbell, California, becausebuying a home in a decentschool district would cost toomuch. His daughter has excelledin high school, but Aguirre hasurged her to attend communitycollege to avoid the debt thatensnared him.

“I didn’t get the warmestreception on that,” said Aguirre,a health care manager. “But sheunderstands the choice.”

America’s crushing surge ofstudent debt, now at $1.2 trillion,has bred a disturbing new phe-nomenon: School loans thatspan multiple generations with-in families. Weighed down bytheir own loans, many parentslack the means to fund theirchildren’s educations withoutsinking even deeper into debt.

Data analyzed by the Associ-ated Press, along with surveysabout families and rising stu-dent debt loads, show that: 1 Student debt is surpassinggroceries as a primary expense,with the gap widening most foryounger families. The averagecollege-educated head of house-hold under 40 owes $404 amonth in student debt pay-ments. That’s slightly more thanwhat the government says theaverage college-educated familyspends at the supermarket.1 School loans increasingly

belong to Americans over 40.This group accounts for 35 per-cent of education debt, up from25 percent in 2004. Contributingto this surge: Longer repaymentschedules, more midcareerworkers returning to school andadditional borrowing for chil-dren’s education.1 Generation X adults — those35 to 50 years old — owe aboutas much as people fresh out ofcollege do. Student loan balanc-es average $20,000 for Genera-tion X. Millennials, who are 34and younger, have roughly thesame average debt.1 Gen-X parents who carrystudent debt and have teenagechildren have struggled to savefor their children’s educations.The average they have in collegesavings plans is just $4,000,compared with a $20,000 aver-age for teenagers’ parents whoaren’t still repaying their ownschool loans. A result is thatmany of their children will needto borrow heavily for college,thereby perpetuating a cycle offamily debt.

The multigenerational debtcycle reflects a rush to pursuecollege as a path to middle-classsecurity. Roughly 25 years ago,federal policies began encourag-ing borrowing on a mass scale tocover soaring college costs. Poli-cymakers figured borrowerscould afford the debt becausecollege degrees would all butguarantee comfortable incomes.

The reality played out some-what differently.

Roughly 6 million Gen-Xhouseholds still owe studentdebt. Some, like Aguirre, areforgoing homeownership. Oth-ers have moved to remotestretches of the country to qual-ify for loan forgiveness pro-grams.

Education debts nowspanning generations By Josh BoakASSOCIATED PRE SS

B6 | Monday, October 12, 2015 | SAN ANTONIO EXPRESS-NEWS AND MYSA.COM

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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

Red McCombs Ford grand opening event

www.mysa.com/AutoMonday, October 12, 2015 | SECTION E | ADVERTISING SUPPLEMENT | SAN ANTONIO EXPRESS-NEWS AND MYSA.COM

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z ECOBOOST ENGINE W/380 HORSEPOWERzVOICE-ACTIVATED NAVIGATION/BLUETOOTHzPOWERFOLD FLAT 3RD ROW SEATzBLIND SPOT INFORMATION SYS. W/CROSS-TRAFFIC ALERTz 10-WAY PWR HEATED/COOLED LEATHER SEATSzTHX II CERTIFIED HD AUDIO

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POSTED PRICE INCLUDES $1,500 COMPETITIVE CONQUEST OR OWNERLOYALTY FACTORY REBATE, TOTAL DUE AT LEASE SIGNING OF $2,991INCLUDES $0 DOWN PLUS 1ST PAYMENT TAXES & FEES, $0 SECURITY DEPOSITW/ LINCOLN AFS APPROVAL, PURCH OPTION $19,077. STK #1LFG605061.

POSTED PRICE INCLUDES $2,000 COMPETITIVE CONQUEST OROWNER LOYALTY FACTORY REBATE, TOTAL DUE AT LEASE SIGNINGOF $7,595, INCLUDES TAXES/ FEES & 1ST PAYMENT $0 SECURITYDEPOSIT W/LINCOLN AFS APPROVAL, $2,995 DOWN PLUS 1STPAYMENT, PURCHASE OPTION $28,940. STK #5LFEJ15377.

POSTED PRICE INCLUDES $1,000 OWNER LOYALTY FACTORYREBATE, TOTAL DUE AT LEASE SIGNING OF $4,787 INCLUDES$1,995 DOWN PLUS 1ST PAYMENT TAXES & FEES, $0 SECURITYDEPOSIT W/ LINCOLN AFS APPROVAL, PURCH OPTION $19,143. STK#5LGUJ05322.

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$33,495 $41,495$32,495 $39,995

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z 2.0L ECOBOOST ENGINEz 11-SPKR AUDIO W/SIRIUS SATELLITEz REVERSE SENSING SYSTEM

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POSTEDPRICE

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W/ 39 MONTH LEASE10,500 MI/YEAR

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31 MPG HWY43 MPG CITY

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POSTED SALEPRICE $35,921

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POSTED SALEPRICE $36,270

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POSTED SALEPRICE $35,230

$2,988 Total Due Plus First Payment, Taxes, Registration And Dealer Fees with qualiced credit. 10,000 miles per year. MSRP $45,254. Payments based on tier 1+ credit,$0 security deposit due at s igning.

$3,990 Total Due Plus First Payment, Taxes, Registration And Dealer Fees with qualiced credit. 10,000 miles per year. MSRP $50,280. Payments based on tier 1+ credit,$0 security deposit due at s igning.

POSTED SALEPRICE $46,361

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POSTED SALEPRICE $47,867

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2E Monday, October 12, 2015 mySA.com San Antonio Express-News

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SCAN HERE TO VIEWOUR INVENTORY!

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. Withapproved 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.

#1 in the Nationbased on MNAO2015 Sales Report

HourRETURNPOLICY

4848 10DAYAPPRAISALGUARANTEE

npmazda.com210-253-3300

R U TREDUCTIONREDUCTIONDUCTIEDUCTIODUCTIOMMODEL YEARMODEL YEARMODEL YEAR

North Park Mazda

MSRPStarting At

PostedPrice

MSRPStarting At

$20,480$23,830

$25,865

aaThe New

2016Models

are here!

MMNorth Park MazdaNorth Park Mazda

0%063

Months

(2)

NO PAYMENTS ON REMAINING 2015 MODELS UNTIL 2016!(3)

• 6SPD AUTO• 32K MILES• 4X4• CHROME WHEELS• TRAILER TOW• STK#NG275716

$40,997Posted Price

2014 RAM 2500 SLT

2008 Toyota RAV4AUTO, 4SPD, EXCELLENTCONDITION, STK#U5114706...........................$9,9972006 Infiniti M355SPD, AUTO, SUNROOF, LEATHER,ALLOY WHEELS, STK#UM101223 ..............$11,5972006 BMW 530I1-OWNER, SUNROOF, ALLOYS,PREMIUM SOUND, STK#UCM40409 ..........$10,9972014 Ford Focus SE Hatchback38K MILES, AUTO, REAR SPOILER,ALUMINUM WHEELS, STK#NL255845 ......$12,597

2013 Ford Escape SAUTO, 6SPD, 33K MILES, REAR SPOILER,KEYLESS ENTRY, STK#PUD01499..............$15,5972012 VW Beetle Turbo 2.040K MI,6SPD,AUTO,HEATED SEATS, REAR SPOILER,TURBO CHARGED, STK#NM661638 ..........$15,9972015 Nissan Altima 2.5SKEYLESS ENTRY, BLUETOOTH,22K MILES, STK#NN301822..........................$16,5972014 Nissan Maxima 2.5S41K MILES, ALLOY WHEELS,NICE CAR, STK#NC451440...........................$16,997

2008 Honda Accord EX-L74K MI, 5SPD AUTO, BLACK,ALLOY WHEELS, STK#UA012246 ...............$12,5972011 Mercury Mariner PremierFWD, 6SPD, AUTO, 51K MILES, LEATHER HEATEDSEATS, ALLOY WHEELS, STK#UKJ03908.$12,5972014 Hyundai Veloster32K MILES, 6SPD AUTO, BACKUP CAMERA,ALUMINUM WHEELS, STK#PU199222 ......$13,5972013 Dodge Dart RALLYE6SPD AUTO, 22K MI, ALUMINUM WHEELS,KEYLESS ENTRY, STK#UD691192 ..............$13,9972012 Hyundai Tucson Limited6SPD, AUTO, REAR SPOILER, HEATEDLEATHER SEATS, STK#UU343555 ..............$14,697

2012 Chrysler 300RWD, 41K MI, KEYLESS START, DUAL AC,SATELLITE RADIO, STK#PH104834...........$16,9972014 Kia Optima EX19K MI, 6SPD AUTO,VALUMINUM WHEELS,BLUETOOTH,1-OWNER, STK#PG338558 ..$18,2972011 Chevy Camaro 2LT6SPD, AUTO, LEATHER,PREMIUM SOUND, STK#U9175402 ............$17,9972014 Nissan Pathfinder Platinum3RD ROW SEAT, NAVIGATION, LEATHER,BACKUP CAMERA, MORE, #PC629845 .....$30,6972015 Jeep Grand Cherokee LTDLOW MILES, IMMACULATE,LIKE NEW, STK#NC668184...........................$34,597

• 9060 MILES• AUTO• MOONROOF• NAVIGATION• 3RD ROW SEAT• BACKUP CAM• STK#L0439216

$27,997Posted Price

2014 MAZDA CX-9 GRAND TOURING

• 34K MILES• 5SPD AUTOMATIC• FUEL EFFICIENT• STK#P5M04837

$13,697Posted Price

2013 MAZDA5 I SPORT

2012 Mazda3 i TouringAUTO, GREAT FUEL EFFICIENT CAR,POWER WINDOWS/LOCKS, STK#U1557384 ...$11,5972013 Mazda6 i Sport5SPD AUTO, 34K MILES, KEYLESS ENTRY,GREAT MPG, STK#P5M04837 ...........................$13,6972010 Mazda Miata MX-5 Touring6SPD AUTO, CONVERTIBLE HARDTOP,NICE, STK#U0210305 .........................................$14,9972013 Mazda3 i SV5SPD AUTOMATIC, 10K MILES,NICE, STK#P1814865 .........................................$14,597

2015 Mazda6 i Sport6SPD AUTO,BACKUP CAMERA, 24K MILES,ALUMINUM WHEELS, STK#N1175877 .............$18,5972013 Mazda CX-5 Grand Touring42K MI, 6SPD, AUTO, HEATED LEATHER SEATS,BACKUP CAMERA, STK#U0118263............$19,5972014 Mazda3 i Grand Touring6SPD,AUTO,4951 MI,NAV,HEATED SEATS,MOONROOF,B/U CAM, STK#LM109556 ....$19,9972013 Mazda CX-5 Sport25K MILES, AUTO, ALUMINUM WHEELS,REAR SPOILER, STK#P0421303 ..................$19,997

2013 Mazda3 i Sport2043 MILES, AUTO, 6SPD,1-OWNER, STK#U1825835 .................................$14,9972014 Mazda3 i Sport6SPD AUTO, 1-OWNER, 31K MILES,KEYLESS ENTRY, STK#P1199211......................$15,9972015 Mazda6 i Sport31K MILES, 6SPD AUTO, 1-OWNER, ALUMINUMWHEELS, BACKUP CAM, STK#N1179319.........$16,9972014 Mazda CX-5 Sport6SPD, AUTO, 1-OWNER, 30K MILES, ALLOYWHEELS, KEYLESS ENTRY, STK#U0333497 ....$17,5972011 Mazda CX-9 Grand Touring6SPD AUTO, 78K MI, NAV, MOONROOF, 3RD ROWSEAT, SURROUND SOUND, STK#N0300438 .....$17,997

2015 Mazda CX-5 TouringALUMINUM WHEELS, BACKUP CAMERA, 6SPDAUTO, NICE SUV, STK#N0437800...............$21,2972015 Mazda CX-5 Touring24K MILES, 6SPD AUTO, BACKUP CAM,REAR SPOILER, STK#N0438403..................$21,2972015 Mazda6 i Grand Touring6SPD AUTO, 21K MI, HEATED SEATS, SROOF,BACKUP CAMERA, NAV, STK#U1177300 .........$23,9972013 Mazda CX-9 Grand Touring14K MILES,6SPD AUTO, HEATED LEATHER SEATS, NAV,SUNROOF, B/U CAMERA, STK#N0416674........$26,9972014 Mazda CX-9 Grand Touring906 MI,MROOF,NAV,HTD SEATS, 3RD ROW SEATS,BACKUP CAM, AUTO, STK#L0439216 .......$27,997

1.5L DOHC 4CYL ENGINE WITH VVT, 6SPD AUTOMATIC,15”STEEL WHEELS, USB AUDIO INPUT, REMOTE KEYLESS ENTRY

MSRP Dealer Discount Posted Price

$23,815 $1,400 $22,415

“HIGHEST RANKED COMPACT SPORTY CAR IN INITIAL QUALITY, FIVE YEARS IN A ROW”

2015 Mazda3 i SPORTHatchback Automatic

EXAMPLE: MSRP $30,865, NP DISC $1,500, MAZDA REBATE $4,000, POSTED PRICE $25,365. $0SECURITY 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.

EXAMPLE: MSRP $20,815, NP DISC $815,$350 LEASE CASH ,10,000 MILES PER YEAR, 33 MONTH LEASE, GUARANTEED FUTURE VALUEOF $12,697.15, $0 SECURITY DEPOSIT, $350 LEASE END DISPOSITION FEE, $.15 PER MILE OVER

10,000 MILES PER YEAR. STK#CM217671.

MSRP Mazda Rebate Dealer Discount Posted Price

$30,865 $4,000 $1,500 $25,365MSRP Mazda Rebate Dealer Discount Posted Price

$20,815 $1,250 $815 $18,750

A 2015 EDITORS’CHOICE: MIDSIZESUV AND CUV

2015 Mazda CX-9 Sport

$329Leasefor

PerMonth $179Lease

forPerMonth

3RD ROW

24 41

EXAMPLE: MSRP $23,815, NP DISC $1400, POSTED PRICE $22,415, $1,999 DOWN PLUSTT&L FEES, 36 MOS, 1ST PAYMENT DUE AT SIGNING.15 CENTS PER MILE OVER36,000 MILES, $350 LEASE END DISPOSITION FEE, GUARANTEED FUTURE VALUE $14,527.15,WAC STK#S1433270

2016 Mazda6 i SPORT AUTOMATIC

Mazda6WAS RANKED #1 BEST

FAMILY SEDAN BY

2016 Mazda6 i Sport Automatic

$199 PerMonth

Leasefor

38

FREE FactoryNavigation Upgrade (1)

184 HORSEPOWER 2.5L ENGINE, PUSHBUTTON START, HILL LAUNCH ASSIST,

17” ALLOY WHEELS

BACKUP CAMERA, PUSH BUTTONSTART, POWER WINDOWS/LOCKS

EXAMPLE: MSRP $24,530, NP DISC $700, POSTED PRICE$23,830, $0 DOWN PLUS TT&L FEES, 36 MOS,.15 CENTSPER MILE OVER 10,000 MILES PER YEAR, $350 LEASEEND DISPOSITION FEE, GUARANTEED FUTURE VAL-UE $13,982.10, $1,999 + 1ST PAYMENT & TTL DUE ATSIGNING, WAC STK#K0683510

SPORT PACKAGE

Mazda CX-5WAS RANKED #1

COMPACT CROSSOVER SUV BY

184 HORSEPOWER 2.5L ENGINE, PUSHBUTTON ST

17” ALLOY WHEELS

2016 Mazda CX-5

33

Back-upCamera

• V6 5SPD• AUTOMATIC• 73K MILES• HEATED SEATS• SUNROOF• BACKUP CAM• 3RD ROW• STK#US027359

$20,997Posted Price

2011 TOYOTAHIGHLANDER SE

ONE OF 2015“10 BEST SEDANS UNDER $25,000”

2015 Mazda MX-536$3,500 OFF

All Remaining2015 Mazda MX-5

Miata’sIN STOCK*

2016 Mazda MX-5 Miata

$239 PerMonth

Leasefor

• 608 MILES• BACKUP CAM• 6SPD AUTO• MOONROOF• STK#NM226257

$19,997Posted Price

2015 MAZDA3 I TOURING• 8SPD AUTO• V6• 3RD ROW SEAT• HEATED SEATS• BACKUP CAM• STK#NC599894

$29,997Posted Price

2014 DODGE DURANGO LIMITED

• 6SPD MANUAL• 44K MILES• SUNROOF• ALLOY WHEELS• PREMIUM SOUNDSTK#NH704153

$15,997Posted Price

2012 HONDA CIVIC SI• 4SPD• AUTO• FWD• 42K MILES• REAR SPOILER• ALLOY WHEELS• STK#P0179025

$12,997Posted Price

2014 MAZDA2 TOURING

PUSH BUTTON START, BACKUP CAMERA,POWER WINDOWS AND LOCKS

BRAND NEW MODEL

COME SEE THE NEW

Mazda CX-3IN STOCK AND AVAILABLE!

“THE Mazda CX-3’SEXCELLENT STANCE AND

SULTRY CURVES SHAME THEBLAND COMPETITION”

CAR AND DRIVER - NOVEMBER 2014

2016 Mazda CX-3

MSRP $20,480

PUSH BUTTON STPOWER WINDOWS AND LOCKS

MIN STOCK AND A

ESUL

CAR AND DRIVER - NOVEMBER 201435

San Antonio Express-News mySA.com Monday, October 12, 2015 3E

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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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4E Monday, October 12, 2015 mySA.com San Antonio Express-News