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Lost: Cow, black with white face, female, west of La Vernia, near 2831 FM 1346, weighs about 1000 lbs., she is a fence jumper. Anyone with information call 830-534-4675.
$500 cash reward for the return or information that leads to the return of missing bull, registered polled Hereford with tattoo ID# Z203, distinctive marks on head, yellow tag in right ear, "D" brand on right hip, missing from Hwy. 119 and C.R. 454 intersection. Call Patrick Danysh, 210-827-9331.

VideoFound dog, cream white and black male w/ blue collar walking on hwy 181 by new richardson chevy last night call 2102863515
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Hair stylist needed for new hair salon in Floresville. 940-210-5682.
Plastic Product Formers, Inc. is accepting applications for a full-time blow-mold operator. Must be willing to perform physical work in an outside environment and work 10-12 hour shifts including overtime. Must be willing to work some weekend and night shifts. Will be required to clean, set-up, operate, and monitor blow-mold equipment while also performing trimming and inspection of production parts. Includes packaging and material handling. Must pass background check and drug test. Excellent benefits offered. Fax 210-635-7999 or apply in person at 7124 Richter Road, Elmendorf, TX.
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Section A: General News


Healing the wounds




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Dave Ramsey
Financial Straight-Talk
June 20, 2012 | 1,052 views | Post a comment

Dear Dave,

Recently, I discovered that my wife secretly kept and used credit cards over the last several years. I also found out there are two liens on our home from some of this debt. She was hiding the mail from me so I wouldn’t find out. I’m angry about the dishonesty, but I want us to get the debt cleaned up. What do you suggest?

Tom

Dear Tom,

This debt and the liens are a symptom. What we’re looking at here is a repeated pattern of lying and deception. Anyone can become scared or ashamed and make a mistake, but this has happened several times. It’s called financial infidelity for a reason. Really, it’s the same kind of lying as sexual infidelity. It hurts and makes people angry on a lot of the same levels, and that’s because it’s a broken trust.

Assuming that you guys can talk things out and heal this rift in your marriage, you’re going to have to contact these credit card companies and try to settle the debts. You guys aren’t bringing home a lot, so you need to start scratching together every nickel and dime you can and make an offer to erase these debts. That will also remove the liens on your home. Many times creditors will settle a debt for pennies on the dollar. If you’re lucky, you may be able to get them to accept about 25 percent of the amount owed.

But I think you’ve got a much bigger problem here. You guys have some serious issues that need to be resolved. I’d advise going to your pastor, if you’re in a good church, or finding a reputable marriage counselor. Your wife needs to understand, loud and clear, that this kind of crap has to stop immediately!

Dear Dave,

What happens to a vehicle if the co-signer on the loan files bankruptcy?

Robert

Dear Robert,

First, it means that only the co-signer has gone bad. The car is still in your name, and the loan is still in your name. If you were to notify the bank of this, and that you’d be keeping the car and still making the payments on time, then you shouldn’t have a problem. It also wouldn’t affect your credit score. Just because you partnered with someone who failed with money doesn’t mean you’re going to do the same thing.

There is one thing to keep in mind, though. It may show up on your credit bureau report that the loan has gone into bankruptcy. It shouldn’t indicate that you have gone into bankruptcy, just the loan. That much is true, since your co-signer filed bankruptcy. Still, this shouldn’t damage your credit score.

If it does, just stay on top of things, and report what has happened to the credit bureau. Your credit score should not be affected by something you didn’t do, as long as the loan involved is paid on a timely basis.

Dave Ramsey is a best-selling author of The Total Money Makeover and the nationally syndicated host of “The Dave Ramsey Show,” which airs locally on radio station 550 KTSA. View column archives at www.daveramsey.org. Questioners’ identities have not been verified by the Dave $ays column or this newspaper.
 

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