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$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.

VideoFound mom and puppy Chihuahuas running on the road in traffic. Must describe collars to claim. Text or call, leave message if phone not answered. Thanks. 210-625-2996

VideoFound 2 year old female Basset Hound at the corner of 360 Shorthorn & 204 Longhorn Rd, Stockdale. Contact Paula at 210-827-9583.
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Help wanted, skills needed: cement, plasterer, welder, fence construction. Call 210-771-5255.
Karnes/Wilson Juvenile Probation Department is seeking the following positions: Juvenile Probation Officer: Must be degreed in Criminal Justice or related field with experience working with children and parents. Position is year round supervising juvenile offenders, making recommendations to court, curfew checks, and being on call. Attendance/Juvenile Probation Officer: Must be degreed in Criminal Justice or related field with experience working with children and parents. The Attendance Officer works same hours as the school districts providing prevention services to children and parents who have issues with truancy. Juvenile Probation Officer will manage a small caseload of juvenile offenders making recommendations to court, curfew checks, and being on call. Position is year round.  Individual must be versatile and able to separate prevention from intervention skills. Prevention Specialist: Position acts as a drill instructor within the environment of the Juvenile Justice Alternative Education Program (JJAEP). Follows JJAEP school calendar. This is a quasi-military program, so prior military experience a plus. Degreed individual preferred with experience working with children. Must be a Juvenile Supervision Officer or be able to obtain the certification. Administrative Prevention Specialist: Position acts as a drill instructor but takes on administrative assistant role to the Assistant Chief within the Juvenile Justice Alternative Education Program (JJAEP). Position will include direct contact with the child and parent. Must be a Juvenile Supervision Officer or able to obtain. Prefer degreed individual. Must have knowledge of military procedures. To apply send resume to n-schmidt@kwjpd.com.
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Section A: General News


Eagle Ford: Authorized users




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Dave Ramsey
Financial Straight-Talk
November 28, 2012 | 1,240 views | Post a comment

Dear Dave,

My brother asked me to put his name on my credit card as an authorized user. He said it would help improve his credit score. Is this true, and would it help my score in any way?

Anna

Dear Anna,

Your brother is wrong. It will not improve his credit score at all. As an authorized user, he is not the owner of the debt. There’s a high likelihood that it will affect your credit score in a negative way, though, because there’s a good chance he’ll do some dumb things with your card.

Look at it this way. Why would someone give him credit, or raise his credit score, just for using your credit? It doesn’t make sense. Your credit score is affected by things like whether or not you pay your bill on time. The card isn’t in his name, so really all this amounts to is him having fun with your card, and you’re the one who’s liable for the damage. The truth is that authorized users shouldn’t even show up on a credit report.

It sounds like your brother has some financial problems. While I admire the fact that he wants to fix things, this is not the answer. Don’t misunderstand what I’m saying, Anna. Chances are he’s not trying to con you. He probably just got some bad information. But the hard truth is this: If you go along with his idea, it’s not going to help him, and it’s going to hurt you. Don’t do it!

Dear Dave,

In terms of a family’s financial plan, when is it okay to purchase something like NFL season tickets? Is this the kind of thing that should wait until you’re debt-free and can afford to pay cash for them?

Greg

Dear Greg,

Absolutely, you should wait until you’re debt-free and can pay cash. That kind of thing is a prime example of an expensive, luxury purchase.

I’m an NFL season ticket holder for the Tennessee Titans. But I’ve been debt-free for years, and my family’s financial future is very secure. Whether the Titans win or lose, or whether I watch the games in person or in front of the television, has no impact on their security. However, if you’re sitting there with credit card debt, a car payment, and living paycheck to paycheck, you’ve got no business buying season tickets. Get yourself out of debt, build an emergency fund, and make sure your family is taken care of first. Then you can have some fun. Live like no one else so that later you can live like no one else. And then, if that includes season tickets to your favorite football, baseball, or hockey team, have a blast!

Remember, this kind of thing is entertainment. I know a lot of silly people out there act like whoever wins a football game is a matter of life and death, but it’s just a game. Your life and your financial future are not games, and they’re not things to be taken lightly. First things first, Greg. There will be plenty of time for that kind of fun when you can afford it!

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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