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Terrier mix, female, "Marma," missing near F.M. 427/C.R. 537, 30 lbs., orange/red medium length fur, can be extremely shy. Call or text if seen, 210-440-3889.
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Help Wanted

The 81st Judicial District Attorney’s office is seeking candidates for the position of an Administrative Assistant. Duties will include but not limited to: answering incoming calls and greeting visitors, prepare discovery for defense bar as required, providing administrative and clerical support to the ADAs and District Attorney, assist in general office work and perform related duties as follows: Operate a multi-line telephone switchboard, proficient use of software applications and computer equipment, scanning and compiling files for eDiscovery, filing and creating court files, generating reports as required. Applicants must have at least five (5) years of administrative assistant experience, strong computer skills (Word, Excel, PowerPoint) ability to multi-task, excellent organizational skills and attention to detail. Some heavy lifting (about 40 pounds) required. Please mail, fax or email resumes and cover letters to the address and email below. DEADLINE FOR RESUME SUBMISSION IS MAY 6, 2016 AT 5 P.M. District Attorney Rene Pena, C/O Teri Reyes, Office Manager, 1327 THIRD STREET, FLORESVILLE, TEXAS 78114. Fax 830-393-2205. terireyes@81stda.org.
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Section A: General News


Need emergency fund




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Dave Ramsey
Financial Straight-Talk
July 18, 2012 | 1,439 views | Post a comment

Dear Dave,

My husband and I are in pretty good shape financially. We make about $250,000 a year with about $50,000 in the bank and no debt, and we’ve set aside money for our children’s college funds. Currently, we owe $70,000 on our home. I want to use $40,000 of our savings to pay down the house then rebuild our emergency fund. My husband disagrees. What do you think?

Kelly

Dear Kelly,

You’re right about one thing. You guys are in really good shape financially, partly because of planning and wise choices. The problem I see is this: What if you have an emergency but no emergency fund? You’re living on an income of a quarter-million dollars a year, and that’s fantastic, too. But I don’t like the idea of you sitting there with just $10,000 in savings. In your world, $10,000 isn’t much at all.

Baby Step 3 of my plan says that you set aside three to six months of household expenses. You guys could cheat a little bit, down to the three-month side of things, but I still don’t think $10,000 will cover three months of expenses in your household.

In my opinion, $10,000 is too low. But to be honest, $50,000 is probably a little much. I’d look at a number somewhere in the $20,000 to $30,000 range for an emergency fund. Then you could throw the remaining cash at the house. I mean, let’s face it. If you did that, with your income, you could roll up your sleeves and pay off the house by Christmas!

Dear Dave,

My husband and I would like for me to be able to quit my job and stay at home with our kids. We’ve got a little money saved up, but we’re not sure we could make it on just his salary. The money would be very tight. In your mind, how do we know the difference between being financially responsible and relying on God to provide?

Michelle

Dear Michelle,

This is a great question! I admire the desire to be at home with your kids, and that you realize you can’t just act impulsively and call it faith. This is a concept that’s misused and misunderstood a lot.

If you can’t make it on just your husband’s salary, then you’ve got to develop a game plan that involves a written monthly budget and some lifestyle changes. If you do this with diligence and sacrifice, chances are you’ll be able to make this happen and not bankrupt your family. This could also mean that you start a small business on the side -- something you could do from home -- to offset the difference.

Having faith that God will provide requires study of the Scriptures. But God also tells us that you need the maturity and wisdom to plan your direction. The Bible says, “The diligent prosper. He who is impulsive exalts folly.” Folly is a fool in action. It’s kind of like the guy who closes his eyes, jumps in the pool, and hopes there’s water in there -- and calls that faith.

I love the idea of you coming home to be with your kids, Michelle. Just make sure you develop an intelligent plan, and mix intellect with faith.

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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