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VideoLost: Help my Toy Aussie get home, Hwy. 181 and 1604 area. adult female, 13" and less than 20 pounds. Call if you see or find her, 210-328-5050.
$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.

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SS Water Supply Corp. is accepting applications for a full-time Administrative Assistant. Minimum qualifications: Five years in an office environment, proven organization and computing skills and above average communication ability required. The ideal candidate will have some financial management experience, ability to understand and interpret legal documents, become a notary, acquire skills to support the water utility industry and work independently on occasion. Person selected will be in an environment dealing with a variety of situations while serving the public. Starting pay depends on experience. Great benefits! Applications and resumes will be taken until position is filled! Apply in person at 10393 U.S. Hwy. 87 W., La Vernia, Texas, 830-779-2837.
Field Appraiser. The Wilson Central Appraisal District is currently accepting applications for the position of Field Appraiser. Responsibilities include office and field work associated with the appraisal of residential property. Applicants must have a high school education or equivalent and have TDLR certification or be willing to complete requirements to obtain such certification.  Applicants must also possess good computer and people skills; have reliable transportation, and a valid Texas Driver License. Appraisal experience preferred. Salary is contingent upon experience and qualifications. Applications and/or resumes will be accepted until the position is filled. Send information to: Wilson Central Appraisal District, c/o Appraiser position, 1611 Railroad St., Floresville, TX 78114. 830-393-3065, email jcoldewey.wcad@yahoo.com.
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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 | 1,089 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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