Tuesday, August 4, 2015
1012 C Street  •  Floresville, TX 78114  •  Phone: 830-216-4519  •  Fax: 830-393-3219  • 

WCN Site Search


Lost & Found

Lost: White Maltese dog, 12 pounds, answers to Brookley, on Sun., July 19, 10 miles north of Floresville on Hwy. 181, $100 reward! Tom and Jean Harris, 830-393-0814. 
Found: Horse by F.M. 2579 and C.R. 126, Floresville. Call 818-416-3372 to describe.

VideoLost: Female longhair Chihuahua that had been trimmed, near 3rd and Hwy. 97, Floresville, miss her very much. Call Jeri, 409-781-3191.
More Lost & Found ads ›

Help Wanted

General labor position for local home builder, must have drivers license, driving trailers, clean up, carpentry work, etc., starting at $10. 210-279-4123.
The 81st & 218th Judicial District Community Supervision and Corrections Department (Adult Probation) is currently seeking qualified applicants for the position of Licensed Chemical Dependency Counselor (LCDC). This is a full-time position that will require travel to the following counties: Atascosa, Frio, Karnes, LaSalle, and Wilson. Requirements: Must be licensed as a chemical dependency counselor through the Texas Department of State Health Services. Starting Salary: $33,705 (Associates Degree), $35,705 (Bachelor’s Degree), plus State benefits and mileage. Closing date: August 14, 2015. Procedure: Applicants should submit resume and license verification to: Renee Merten, Director, 1144 C Street, Floresville, TX 78114 OR via email rmerten@81-218cscd.org. For inquiries contact Renee Merten at 830-393-7317.
More Help Wanted ads ›

Featured Videos





Video Vault ›
Richardson Chevrolet homeTNMCRE/MAX home
You’ve been granted free access to this subscribers only article.

Section A: General News


Editorial: Fellow Texans: 83rd Legislature is in session!




E-Mail this Story to a Friend
Print this Story
Pris Kincaid
Fellow Texans — Did You Know?
February 20, 2013 | 1,234 views | 1 comment

Fellow Texans, did you know or realize that the 83rd Texas Legislative Session began Jan. 8? Or do you even care? Sometimes we citizens feel powerless about government, but that is another issue. This legislative session will present many challenges for the Texas Retired Teachers Association (TRTA) that must be met. We are not powerless, but have a strong voice, with a membership of more than 75,000.

First, there are changes in leadership in the Texas Senate with five new senators, and in the Texas House there are 43 new representatives. This means these new legislators lack the experience with working on complicated issues, and they lack the knowledge of the history of the TRS Pension Fund or TRS-Care funding. TRTA must educate these new legislators. They will be a definite target for special interest groups pushing to change the Teacher Retirement System (TRS) as we know it today.

Second, improvement in funding for the TRS Pension Fund is a must. Even though TRS is the best-funded pension plan in our country, with a value of more than $112 billion, and is able to pay projected benefits through the year 2075, it needs to be actuarially sound. TRTA supports the increase of the state contribution to 6.9 percent in 2014 and to 7.4 percent in 2015. The last legislative session cut funding to 6 percent in 2012 and then to 6.4 percent in 2013. At the current rate (6.4 percent), there is no way retirees will ever be able to have a permanent cost-of-living increase. There has been no cost-of-living increase in 12 years.

A third challenge is that improvement in funding for the TRS-Care Program, which is the teachers’ and school personnel’s health-insurance fund, is most critical. TRTA supports funding of 1 percent in both years of the biennium or of any additional increase. Last session, the appropriation was reduced to 0.5 percent in 2012, and then to 1 percent in 2013, which forced TRS to spend a large amount of the program’s reserve fund. The program is experiencing a number of changes to contain program costs. Even though benefit levels for some TRS-Care participants have improved, the fact remains the program is running out of money. Retirees do not get a free ride. They pay significant premiums, co-pays, out-of-pocket expenses, and deductibles, and pay some Medicare costs on top of TRS-Care expenses.

Tim Lee, the executive director of TRTA, emphasized that TRS is “a long-term venture,” and that it is in the “forever business.” He also has stated, “The state cannot keep doing the minimum in funding and hope for maximum results.” Now is the time for some moderate changes to protect the system for the long-term.

On a positive note, at the start of the legislative session, TRTA reports that the baseline proposals show a budget increase for the TRS programs. State revenues are up and the state’s reserve “Rainy Day” fund has increased.

The local retired teacher group, Wilson County Retired School Personnel, is prepared to participate in a capitol rally on March 20. We are asking all TRS members, active and retired, which is an impressive number of more than 1.3 million members, also to participate in contacting legislators, sending them fact sheets, letters, and emails.

We all need to inform our legislators of the facts. That is, most members (95 percent) do not have Social Security, but rely solely on the TRS pension. Retirees have earned their financial security, and it needs to be protected. Retirees need a cost-of-living increase because there has been none since the year 2000.

Please stay tuned for future articles with suggestions.

Pris Kincaid is a retired Texas educator who lives in Wilson County.
 

Your Opinions and Comments

 
The Marcelina Muse  
Dry Tank, TX  
February 20, 2013 10:21am
 
Well Pris, I vote we transfer the teacher retirement funds to the Social Security administration and then make all of you members of that august organization and allow you to share in the largesse enjoyed by the rest of us. That ... More ›

Share your comment or opinion on this story!


You must be logged in to post a comment.




Not a subscriber?
Subscriber, but no password?
Forgot password?

Section A: General News Archives


Full article available to Wilson County News subscribers only. Click here to subscribe. AACOG P&Z Workshop (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Annexation plans for Floresville (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Appreciate depreciation (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Band boosters gear up for new year (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Change in Medicare numbers can be bonanza for scammers (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Chicken products recall (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. City council: What should budget include? (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Coldewey is new chief appraiser (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. County unemployment rate rises (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Dollar General grand opening (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: A nuclear Iran seems inevitable with Obama administration (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Why abortions are (still) not illegal in the United States (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Electric utility gets green light from Floresville to refinance 2005 bond (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. GVEC holds annual membership meeting (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Indictments (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: How can Wilson County safeguard its water? (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Opinion page worth the read (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Thanks for defending our history (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. LV Stuff the Bus event is Aug. 1 (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Floresville ISD (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Wilson County Commissioners Court (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Wilson County Emergency Services District No. 2 (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Newly Elected Officials Workshop is Aug. 7 (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police say burglars struck store twice (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police: Accused child molester could have more victims (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Poth drops highway speed, talks 2015-16 budget (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Refinancing could save FELPS $383K (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Sign up to run in November (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Thieves target signs around St. Hedwig (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Trampoline park supports Autism Treatment Center (July 29, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Attend Health Fair in Seguin July 29 (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Crash near county line claims one (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. ECISD gives raises, keeps tax rate same (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Choose carefully where to invest your energy (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Government for Big Money (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Is the Civil War over? (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: It’s time to take a stand in defense of liberty (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Emergency services directors review OT costs, reduce fleet (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Fox Chapel continues SEDC payments (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Franchise Ownership Workshop July 25 (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Goody bag items needed for chamber (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Hospital district approves adding new medical staff (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Jade Helm 15 military exercises under way (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Jason Talley to lead state organization (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Keeping Floresville in style for 25 years (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia area could combine paid, volunteer fire staff (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Falls City City Council (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Falls City ISD (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: La Vernia ISD (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Obamacare increases starting pay for food-service staff Stockdale ISD (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Paying ‘stupid tax’ (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police seek three suspects for theft (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Poth ISD board gets first glimpse of 2015-16 budget (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. UIW to bring holistic healing to SA’s south side (July 22, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Bealls participates in clothing drive (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Beautification group to meet (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. CoDA finds source of anxious behavior (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Commissioners grant waiver to Mission Rail Industrial Park (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Americans’ focus is on anything but serious issues (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Looking back on my 85 years (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Surprise! Scientists have ‘cracked code’ to happiness (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Elmendorf council votes 4-1 to abolish ‘assistant city administrator’ post (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Elmendorf, SAWS reach deal (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. FEMA seeks Texans to work at disaster recovery offices (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville joins opposition to water transport project (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville Visitor & Tourist Bureau takes small steps (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia council remains as MDD board (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia council terminates city secretary (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Let’s get involved (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Managing growth, groundwater responsibly — an analysis of water ‘surplus’ project (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meet DPS Sgt. John Henke (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: La Vernia City Council (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. No lease: Floresville 4A Corp. applies for beer license (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. No quorum for Poth EDC (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Otto Kaiser plans health fair, low-cost physicals (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police blotter (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Questions remain after reported attack (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Reputed dope dealer takes plea (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Saenz interns with Cuellar (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. STEER calls for award nominations (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale News: Giving Jubilee kudos (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale News: Leos to hold yard sale (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale News: Library fun continues (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale News: Mitchell places in top 10 of national rifle competition (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale to receive $311K in grant, earnings distribution (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Texas A&M to pair with two-year colleges (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Unauthorized subletting (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Veterans eligible for VA Medical Care (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Winter rainfall dries up city’s utilities income (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. World Heritage Site designation piques curiosity in ranch (July 15, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. ADCaP, UIW online fall information session is July 9 (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Avoid skin cancer; protect your family from the summer sun (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Chief appraiser’s opening draws four applications (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Connally donates to Floresville Food Pantry (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Dangers of leaving children in vehicles during summer (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Deel named top 10 advisor, inducted into Hall of Fame (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Does the YMCA have a future in Wilson County? (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Guns in church can work (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: U.S. Supreme Court disasters (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Evergreen states opposition to Cibolo, Schertz water plan (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville Economic Development Corp. (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville Planning & Zoning Commission (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville police hunt suspects, arrest two (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Home safety while you’re away (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Host an exchange student (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. How to handle difficult discussions in the workplace (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: A third letter to America (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Hoping to find the cowardly culprit (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: No press coverage, no tickets (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Poth ISD (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Museum seeks lumber, pictures (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Nominate your 2015 favorite country doctor (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Nonprofits encouraged to partake in Newcomers Fair (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Parking garage at SA airport to close (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Pause investing for a luxury (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Poth cancels another city council meeting (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Poth, Stockdale could get Connally Memorial clinics (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Rancho de las Cabras achieves World status (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Shooting range drives citizens to City Hall (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. SSCA to meet (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. St. Hedwig City Council backs off fire-code variance (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Texas sues EPA (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Trustees approve $9.55 million budget (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Yoga Center marks one year (July 8, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Corner Store grand opening is set for July 2 (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Crouch Memorial Bull Riding (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Dan Patrick weighs in on same-sex marriage decision (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Disabled veteran license plates available for widows (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Does the EPA control your stock tank? (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. East Central ISD decisions will save taxpayers millions (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Changing the past to fundamentally transform America (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Donald Trump tries to put his brand on GOP (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Hillary and history: Best-known is not the same as best-qualified (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Event highlights seniors, vets, services July 17 (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. FELPS aims to improve reliability systemwide (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville ISD adopts $39M budget (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville keeps city manager, 'extravaganza' (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Free July training for business owners (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Guadalupe deputies hunt fugitive after bar fight near Seguin (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. H-E-B recalls burger buns (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia approves $26M-plus budget (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Frightened aging bones (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Falls City City Council (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Miles Svoboda earns saddle in chute dogging event (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. New battalion commander recalls Floresville roots (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Nixon residents respond to shooting with prayer (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Parkside Homes wins planning and zoning approval (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Scam email: Pay up or die (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Skloss retires after four decades with Karnes Electric (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tanker, tow truck crash on U.S. 181 (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tour vintage aircraft at Stinson Municipal Airport (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Traps to avoid after graduation (July 1, 2015)