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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.
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Section A: General News


Picking the right trustee




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Dave Ramsey
Financial Straight-Talk
October 10, 2012 | 1,162 views | Post a comment

Dear Dave,

I’m going through a divorce, and I’m about to buy a $600,000 life insurance policy. My 9-year-old daughter would be the beneficiary. I need a trustee, but how do I pick a good one?

Marie

Dear Marie,

First, your daughter wouldn’t be the beneficiary. You would leave it in a trust for her benefit. And I’m not sure I’d depend on an ex-husband to handle something that requires this much integrity. You’d be better off hiring a good attorney to execute the trust upon your death, or you can look for a bank that has a trust department.

Once you decide on a trustee, you must remember to clearly and specifically state what you want done with the money. Don’t say to invest the money appropriately, because what a banker views as an appropriate investment and what I view as an appropriate investment are usually very different. A banker might put the money in CDs, or certificates of deposit, while I’d probably look at something like mutual funds, which have a much better rate of return.

In many cases, a trust for a child is put in place to pay for their first car, a medical situation, or their college education, but this is completely up to you. The balance of the money might go to them when they reach age 21, while they receive a monthly stipend for food and other essentials while they’re younger.

I’m proud of you for thinking ahead, Marie. I know divorce is hard, but your little girl is lucky to have such a good and caring mom on her side!

Dear Dave,

How do you feel about using an online bank for your emergency fund?

Jared

Dear Jared,

I don’t think that’s a problem at all in most situations. Just make sure you do a little research. Know who you’re dealing with and that they’ve got some strength. A bank that is known as a “click and mortar” -- one that has a physical location as well as online -- would be my preference. Some of them have great debit card programs that include debit card rewards and high-interest checking accounts, too.

When it comes to an emergency fund, I like the idea of keeping it in a separate money market account. That way you get money market rates, plus you can attach check-writing privileges to the account. Then when an emergency comes along, you don’t have to worry about shuffling money around. You can just write a check out of the account. Problem solved!

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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