Wednesday, May 4, 2016
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VideoReward! Trooper, gray and white male cat is missing from C.R. 429, Stockdale, he might have been accidentally transported off, missing since 11/13/2015. Call 512-629-2005.

VideoFound: Australian shepherd heeler mix, approx 3 years old, near Lake Calaveras, call 210-878-5075
Lost: Border Collie, black and white male, one eye, microchipped, C.R. 319/F.M. 775 area. 210-382-2167.
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Help Wanted

*Fair Housing notice. All help wanted advertising in this newspaper is subject to the Fair Housing Act which makes it illegal to advertise "any preference limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or an intention, to make any such preference limitation or discrimination." This newspaper will not knowingly accept any advertising for help wanted ads, which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis.
Momentum Physical Therapy & Sports Rehab is a successful group of Outpatient Orthopedic facilities looking for a motivated individual to join our team as a full time Physical Therapist for our Floresville location. We provide a friendly, positive environment while delivering high quality care to our patients and are looking for someone who shares the same work ethic. We are seeking: Graduate from an accredited college with an APTA curriculum. Outpatient orthopedic experience within a private clinic or hospital preferred. Current state of Texas license, CPR certification. Outgoing and energetic personality. New graduates are welcome to apply. We offer a competitive total compensation package including base salary plus sign on Bonus! We also offer an individual incentive plan, as well as a comprehensive benefits package including medical, dental, disability, life and a 401(k) plan, in addition to other outstanding benefits such as continuing education reimbursement and Paid Time Off. We are an Equal Opportunity Employer M/F/D/V. Lwelch@usph.com. 
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Section A: General News


Are coupons a waste of time?




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Dave Ramsey
Financial Straight-Talk
August 29, 2012 | 1,138 views | Post a comment

Dear Dave,

Is it worth the time and effort to use coupons, or are they just a waste of time and a ploy to get you to buy things?

Tammy

Dear Tammy,

Coupons are definitely a ploy to entice you to buy something you may not have purchased otherwise. But that doesn’t mean they’re bad things. The practical and sensible application of coupons can definitely help you save money.

The main things to watch out for when using coupons are overbuying and spending your money on things you don’t really need. Seriously, you don’t need to hit Sam’s or Costco and walk out with nine gallons of mustard. I’ve even heard of people buying things they know they don’t like just because it was on sale or they had a coupon. I mean, how dumb is that?

I guess there is a time factor involved in collecting coupons, especially if you still like to clip them from the newspapers or flyers that come in the mail. Plenty of folks still do that every week. I think online coupons are a lot easier to search for and save, though. There’s a company I love called eMeals that will work with you to plan recipes and also give you information on coupons and sales in your area to make the meals.

I’m definitely not anti-coupon, but at the same time couponing alone won’t change your family tree. It’s like any other tool. If used in a smart way, it can help you save money. And that’s not a bad thing!

Dear Dave,

What’s the best way to save or use money given to a baby as a birthday present?

Ron

Dear Ron,

I think it depends on your financial situation along with your plans and goals. If you’re at a place where you can’t afford necessities, then there’s absolutely nothing wrong with using birthday money for food, diapers, or clothes. That’s not a fun answer, but sometimes you have to do whatever it takes to properly care for your family.

If money isn’t a big issue, though, you’re left with figuring out a plan. In our case, we invested lots of it toward their college funds. Then we taught them to save for other things themselves. For instance, we didn’t buy any of our kids their first cars. But we did agree to match whatever they saved when it came to this purchase.

There’s also nothing wrong with just setting up a simple savings account and watching it grow. As they get older, you can involve them in the process and begin to teach them about the three uses for money: spending, saving, and giving. And if you start something like this when they’re really little, chances are they’ll already have a nice pile of money already stashed away when they become old enough for those teachable moments.

The point is to have a plan. Once you have a definite idea in mind, it’s a lot easier to achieve the goal!

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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