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Lost & Found

Found: Basset Hound, Hwy. 97 W./Hospital Blvd., Floresville. Call 830-391-2153 between 9 a.m.-11:30 p.m.

VideoMissing: Male Boxer, since evening of Jan. 4, Hwy. 97 West, rear of Promised Land Creamery, $500 REWARD. Call 830-391-2240 with information.
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Help Wanted

Immanuel Lutheran Church is now hiring for a Youth and Family Ministry Director. Pastoral: Minister to youth and their families during Sunday School and other church programs, being present in their lives outside the church walls, available for common concerns and in crisis situations. Leadership: Recruit and nurture Youth and Family Ministry program. Administration : Manage the planning process and coordinate with Pastor and Youth Committee all regular ministries to youth and their families. This includes youth of all ages on Sunday mornings and mid-week events; assisting with Confirmation, special events, trips and retreats, and parent meetings. Stewardship: Ongoing evaluation of the effectiveness of youth programs, manage youth ministry budget, and collaborate with the sponsors of each Youth group. Ability to build, lead, and empower youth. Ability to implement a ministry vision. Familiarity with Lutheran Doctrine required; must be comfortable teaching it and representing Lutheran Theology. Proficient computer skills using MS Word, Excel, PowerPoint, database, email, internet, and social media. Supervisory experience preferred. Ability to adapt and evaluate curriculum preferred. Must have excellent organization, communication (verbal and written), and listening skills, with a high degree of initiative and accountability. Exceptional interpersonal and relational skills required, with sensitivity to church members and visitors. Understanding and enjoyment of youth and families and guiding their spiritual development. Please send resumes to immanuellavernia@gmail.com or call 830-253-8121.
Cattle secretary needed for pre-conditioning yard, experience preferred but not required. Fax resume to 830-393-9510.
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Section A: General News


What goes up must come down




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Dave Ramsey
Financial Straight-Talk
July 3, 2012 | 1,219 views | Post a comment

Dear Dave,

I’m about to graduate from college, and I’m following your plan and trying to focus on my future financial situation. Is the current down economy a cyclical thing and just part of life?

DJ

Dear DJ,

It is. There are always cycles in the economy. I know you hear all this talk about this is the worst recession since the Great Depression, but that’s a bunch of bull. It was worse in 1982, when the Jimmy Carter era came to a close. We had double-digit inflation, double-digit unemployment, and home interest rates were at 17 percent.

The current situation has been kind of long and boring. Things haven’t really rebounded quickly. Instead, they’ve just kind of wallowed around and crawled along. There are a lot of theories as to why it’s happened this way, but the truth is it’s a part of life. Just like you have good and bad times in your personal life, there will always be good and bad times in your financial life. That’s why you need a solid, common-sense financial philosophy that works when things are up and when things are down. The principles I teach about not having debt and investing conservatively over the long haul work every time.

Right now, I’m tempted to invest like a wild man and put every dollar I can find into investments, because everything is on sale. It’s a great time to buy real estate and put money into mutual funds. The best time was about a year and a half ago, but the deals are still there.

Just keep investing and working your plan. The idea that you’re graduating at a bad time and never going to have a good life is just plain wrong. There’s always some good and some bad out there, and the cycles will always come and go.

Dear Dave,

My husband and I are debt-free, and we have $100,000 saved. We like to give, rather than loan, money to family members if they’re having financial problems. Can you give us some advice on how to establish giving guidelines?

Susan

Dear Susan,

First, you can’t give to a level that it starts to make you worry about your future. Your first obligation is to your own household. Once that’s done, you can help family members and your immediate community as best you can without weakening yourself.

The big thing in this scenario, I think, is to make sure you’re helping someone get back on their feet. You’re not helping when you give a drunk a drink, so you have to ask yourself if your generosity is really helping them or if you’re simply enabling irresponsible behavior.

I’m not saying this because I’m a control freak. I’m saying it because I don’t believe in investing God’s money unless I see a positive return on investment. In human terms, that means helping someone get out of a mess they’re in, while at the time seeing that they are working to make sure they never end up back there again. If they’re buying cigarettes or lottery tickets with the money, then you’re not helping them.

Taking this stance isn’t mean, and it doesn’t indicate that you don’t love your family. It means you love them well and want what’s best for them.

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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