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VideoMISSING TORTOISE from S. Palo Alto Dr. in Estates of Eagle Creek on May 17th. If you see him, please contact us @ (210) 913-4558 or (830) 393-4030.

VideoLost: German mix, male, tip of one ear missing, micro chipped, last seen with blue collar and blue bone tag with name and house number. Call if found, 830-779-2512.
Reward! Lost: Fox Terrier, white and orange female, named Sara, no collar, went missing May 1, near F.M. 775 and 3432. Call Lindsay at 210-284-0094.
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Animal Crossing Veterinary Hospital Is GROWING!!! Accepting applications for current position vacancies and those that will be added in the near future. We currently need receptionists, veterinary technicians, technician assistants, veterinary assistants and an outdoor maintenance person. Experience a plus but not required. 830-393-3421 or animalcrossingvh@gmail.com.
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Section A: General News


Dave Ramsey: Making the right choice




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Dave Ramsey
Financial Straight-Talk
August 15, 2012 | 1,538 views | Post a comment

Dear Dave,

I’m a landlord in New York, and I’ve always felt it’s not a good idea to rely entirely on previous landlords for referrals on prospective tenants. Do you have any tips for selecting good renters?

Jean

Dear Jean,

I think you’re on the right track. Most landlords aren’t thorough enough with the screening process. You can’t get to know someone without spending some time with them and digging into their personalities and backgrounds a little.

I have several rental properties, and here are a few tricks that work well for me. I always pull a credit bureau report on prospective renters. I also get a big deposit up front. I spend quite a bit of time talking to them one on one, as well, so with all this they’d have to be a pretty good con artist to get past me.

Another thing I do is to drive by the place they’re currently living. I like to see what condition the house is in, and if they keep the yard maintained. To me, this is a great indication of how responsible they are and how they would treat my property. It’s not a bad idea to get some proof of them having made previous rental payments on time, either.

In some ways it’s a leap of faith any time you sign an agreement with a new tenant. But there are things you can do in order to make a more informed decision as to whom you’re doing business with. And who knows? Lots of renters appreciate knowing they have a landlord who handles things in a professional manner. Maybe these suggestions will help you both feel a little more at ease.

Good luck, Jean!

Dear Dave,

A debt collector has been calling members of my family to get information on me. She has identified herself as a collector, and I want to pay what I owe, but is it legal for them to do this? If not, what can I do to make them stop?

Katherine

Dear Katherine,

No, it isn’t legal. If she identified herself in any way as a debt collector, and spoke with anyone but you about your debt, she has broken federal law. This is a violation of the Fair Debt Collection Practices Act. You need to file a complaint with the Federal Trade Commission (FTC) against this collector and her company.

I would also advise recording the conversation the next time they call. Just tell them at the beginning that you’ll be taping any interaction you have with them from that point forward, and tell your relatives to do the same thing. That way, you’ll have proof of their misbehavior to hand over to the FTC or the attorney general. You might even be able to get this crooked collector shut down.

Don’t get me wrong. It’s perfectly okay to collect a debt. If you’re a creditor or collector, it’s simply money that’s owed to you, and you deserve it. But you must do it within the confines of the law, and you should do it within the confines of good taste. If you owe money, you should be honorable enough to pay what you owe. But this kind of behavior is just harassment and intimidation. Don’t let them get away with it, Katherine!

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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Section A: General News Archives


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