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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


Why you shouldn’t cash out




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Dave Ramsey
Financial Straight-Talk
December 12, 2012 | 774 views | Post a comment

Dear Dave,

Is it a good idea for a married couple in their early thirties, who have a lot of student loan debt, to cash out one of their 401(k)s to pay it off?

Marcy

Dear Marcy,

No way! You never cash out a 401(k) or IRA to pay off debt, unless it’s to avoid a foreclosure or bankruptcy. Let’s say you take $50,000 out of your 401(k). Do you know what happens next? They’re going to charge you a 10 percent penalty, plus your tax rate. If you make $75,000 a year, that puts you in a 25 percent tax rate, plus the penalty. That’s a 35 percent hit, and that’s how much of your money is going straight down the toilet.

Look at it this way. You wouldn’t ask me if it’s okay to borrow money at a 35 percent interest rate to pay off your school loans, right? That would be ridiculous, and this is just as dumb.

There are no shortcuts when it comes to getting out of debt, Marcy. Roll up your sleeves and get on a beans and rice budget where every dollar has a name. This will enable you to save money and pay off that debt!

Dear Dave,

My wife and I have our fully funded emergency fund in place, and we’re debt-free, except for the house. She wants to return to school to get a master’s degree and change careers. She’ll be reimbursed up to $7,000 a year. Can we use some of our emergency fund to get things started?

Kevin

Dear Kevin,

I’ve got a better idea. Save up the money! You guys are in great shape already. And to me, this opportunity seems like a small investment with a fabulous return. I really like the idea. But you have to be careful when it comes to things like this. You don’t want to get into the habit of calling things emergencies when they’re not emergencies. It’s a great thing, but it’s nowhere near an emergency.

I know she’s excited about the possibilities, but I’d just roll up my sleeves, save a little extra for a while and cash flow the classes. She’ll probably get reimbursed for the first classes right after she gets her grades, then you can use the reimbursement check to pay for the next classes, and the next check the next classes. Make sense?

I love the school idea, and I’m glad your wife has such a great opportunity. But I don’t want you to take a chance on messing up the progress you’ve made in taking control of your finances. Just take your time and save for those first classes. You’ll be glad you did!

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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