Sunday, August 30, 2015
1012 C Street  •  Floresville, TX 78114  •  Phone: 830-216-4519  •  Fax: 830-393-3219  • 

WCN Site Search


Lost & Found


VideoLost Shih Tzu male-Golden Brown from CR 320 in Floresville If you have any information please call 210-452-1829 or 832-292-3305
Lost: Small black and white tortoise shell cat, 1-1/2 years old, since Aug. 8, Country Hills area, La Vernia, very friendly, "Cinnamon" but responds more to "Kitty," rhinestone collar with bell, shots and spayed, family loves and misses her terribly. Reward! 210-725-8082.
*Includes FREE photo online! mywcn.com/lostandfound
More Lost & Found ads ›

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.
Little Pirates Learning Center is hiring full-time and part-time positions, must be 18 years old, have a high school diploma or GED, experience in child care is preferred. Call Heather at 830-484-2650 or come by the daycare at 308 Sutherland Ave. in Poth to fill out an application.
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


Roommate agreement with family?




E-Mail this Story to a Friend
Print this Story
Dave Ramsey
Financial Straight-Talk
July 17, 2013 | 1,169 views | Post a comment

Dear Dave,

My husband and I have been following your plan, and we’re debt-free. Recently he invited his sister, her husband, and their two kids to live with us. His brother-in-law recently lost his job, and he did this without talking to me first. I agreed after the fact, but do you think we need a roommate agreement or some kind of understanding while they stay with us? They have about $70,000 in debt, and they haven’t been very responsible with their money.

Amanda

Dear Amanda,

I’ve got to tell you there’s zero chance that my wife or I would invite someone to live in our home without the other’s knowledge and agreement. Pulling a stunt like that is just plain wrong, and you two need to get on the same page long before you try to move these people into your house.

Now, once you’ve straightened things out between the two of you, and if you’re both in agreement, you need to understand that your purpose is to help these folks get back on their feet. Your home is not their home, and this is not an offer for them to stay as long as they like.

You’re going to have to ensure that they’re taking the steps necessary to straighten out their lives. This means working, and it means they start managing their money by living on a budget. Don’t charge them rent, because the “rent” will be that they work and go over their finances with you. Plus, you put a limit on the time they’re going to spend with you. Regardless of what happens, they’re out and back on their own by a certain, specific date.

I wouldn’t suggest allowing $70,000 worth of time for them to get back on their feet. I’m thinking maybe four to six months, but don’t let this thing drag on with no definitive end in sight. That will only cause trouble and hard feelings down the road. You guys might be able to pull this off -- and keep the relationships intact -- if you set fair and loving expectations on the front end.

Dear Dave,

I’m following your plan, and I’ve just completed Baby Step 3. I’ve got my emergency fund of three to six months of expenses in place, and I’ve paid off all my debts, except for the house, so I’m ready to tackle investing. I currently have $100,000 in a traditional IRA. Should I convert this to a Roth IRA?

Levi

Dear Levi,

You’ll have to pay taxes on the amount you withdraw, and that will amount to roughly a fourth of what you roll from a traditional IRA to a Roth IRA. If you move $100,000, it will cost you about $25,000 in taxes.

If you have that kind of money saved above your emergency fund, and separate from retirement savings, then yes, I’d convert to a Roth IRA. Don’t cash out your retirement or dip into your emergency fund. And please, please don’t run out and borrow money to make it happen!

The traditional IRA is growing on a tax-deferred basis, while the Roth IRA would grow tax-free. So, if you can pay the taxes out of pocket, I say go for 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.
 

Your Opinions and Comments


Be the first to comment 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. Cities grapple with eight-liner issues (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Connally Memorial to open two clinics in near future (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Council proposes no tax-rate increase (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Don't argue about it (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. DPS: Obey traffic laws, use extra caution as new school year begins (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Mexico fears Trump candidacy (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Peeking behind Walmart’s promise to invest in American jobs (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Thoughts on Iran (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Extension agents resign (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Falls City ISD: tax rate to jump (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Five vie for three Floresville seats (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville ISD says average taxpayer will save $61 (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville offers concessions to landowners (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville operations director will focus on public works (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Getting ab smart (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia trustees OK lower tax rate (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: It’s time to store the flag (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: We’re not all complicit (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Lower tax rate, higher utility bills await Poth residents (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Floresville Parks Foundation (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Wilson County Commissioners Court (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Wilson County Emergency Services District No. 2 (Eagle Creek area) (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Pregnancy center comes to La Vernia (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Rainy weather contributes to myriad vehicle crashes (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Residents revive organization to beautify Wilson County (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Road Runners clear first hurdle to receive Floresville funds (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. SAPD officer dies in La Vernia (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Selling land the old-fashioned way (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tips to make camping with your pet an exciting experience (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Veterans Career Fair is Sept. 3 (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Welcome back! (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. What do Floresville residents want in city parks? (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. ‘Pick It’ football contest (August 26, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Accident takes life of local teen (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Alamo Call-A-Ride 4 Vets program (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Chamber meeting set for Aug. 31 (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Community remembrance vigil for Chief Pimentel (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Crash injures Floresville woman (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Deadline Aug. 24 to get on November ballot (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Digital Marketing Boot Camp in SA (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Christians’ denial keeps Planned Parenthood in business (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Debate questions more like ‘gotcha’ rather then serious issues (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: It’s time to free students from higher-education debt (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: ‘Climate anger’: Last refuge of the green activists (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Elmendorf may cut tax rate (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Estate planning for landowners (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Formal ballet school takes shape in Wilson County (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Help police to ID suspect (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia council approves Porter as new city secretary (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Disgruntled over FNES car-line changes (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Poth ISD board of trustees (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Stockdale EDC (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Wilson County Memorial Hospital District (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meningitis vaccine required for college students (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Nehring turns herself in to authorities for livestock theft (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. No property tax-rate increase for Stockdale ISD residents, landowners (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Notes from the superintendent (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Officials work to ID burned body (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Oil and gas lease online sale nets $20M for public schools (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Otto Kaiser Memorial Hospital holds topping off celebration (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Roofing permit fee splits Floresville City Council members (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. St. Hedwig lowers tax rate (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale approves water resolution (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tax increase possible for Stockdale-area emergency services (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. The best of three (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Workshop paves the way for better Floresville streets (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. ‘Meet the Teacher Night’ Aug. 20 (August 19, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. An analysis: Comment deadline nears for proposed water plans (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Burn ban back on for Wilson County (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Changes coming to Floresville streets (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Check out new LVISD app (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Christian Coalition hosts Bishop Williams (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. DA confirms Ortiz investigation (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Donate blood Aug. 18 (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Could ‘The Donald’ be the Democrats Trump card? (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Vote as I say, not as I do (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: We are at war! (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Feds offer $5M reward for ‘El Chapo’ arrest (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville may sweeten agreement for annexation plan (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville moves to streamline building permit process (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville North new car-line procedures (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville tackles employee sick leave (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Grants for nonprofits (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Kayak rescue (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Keeping Fido safe in the summer heat (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Healthcare foundation president thankful (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: The good, bad effects of oil boom/bust (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: China Grove City Council (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Floresville Economic Development Corp. (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Stockdale City Council (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Need a side income (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Oil slowdown spurs caution in budgeting for Poth EDC (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police investigate suspicious activity (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police seek four theft suspects (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Rangers arrest Nixon city manager (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Rangers search for suspected thief (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Sign up for vets job fair (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale council tables water opposition resolution (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Texas A&M honors John Burleson Sr. (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Thoughts on affordable housing, weatherization, traffic, more (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. What are ‘dog days’? (August 12, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Annexation baffles property owners (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. City manager discusses ‘Floresville effect,’ job, future (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Costlier health insurance hits Wilson County budget (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Cycle Ranch not ‘permanently closed’ (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Deadline to register for lay ministry program nears (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Dollar General to open north of Floresville (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Documented irresponsibility (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Doug Hughes: Protecting democracy from plutocrats (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: The media go gaga over certain political personalities (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Evergreen talks Cibolo Valley opposition (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. FEDC approves $10,000 for YMCA feasibility study (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. FELPS boss resigns (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. FELPS takes advantage of ‘Obamacare’ (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Fires scorch 80 acres (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Free wood chips (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Get your Feather Fest tickets (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Ice Cream Social is Aug. 14 (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia housing plan gets OK (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: I’m for Scott Walker (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Public invited to ‘Topping Out’ celebration (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Questions loom over Floresville’s annexation (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Region L mulls recycled wastewater proposal (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. RV park owner sues Floresville, city council, county appraisal district (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Texas VFW allays concerns (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Three new athletic directors usher in changes (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Trustees promote Pruitt (August 5, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Your wake-up call (August 5, 2015)