Thursday, June 30, 2016
1012 C Street  •  Floresville, TX 78114  •  Phone: 830-216-4519  •  Fax: 830-393-3219  • 

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VideoFound: male intact dog found in middle of road on 467 near Olmos loop area. Taking to a rescue or shelter soon. Cannot keep. If yours call Crystal at 830-832-4270.
FOUND: on Wed. June 29th an iPhone on the corner of 2nd & 3rd Sts. in front of the hardware store next to a maroon suburban turned into the theater
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Help Wanted

CARETAKER/COMPANION needed to take care of and befriend a 29-year-old male quadriplegic (paralyzed from the neck down). Hours from 3-8 p.m. Monday-Friday and 1-7 p.m. on Sundays, Saturdays are optional; far east Bexar County inside 1604 out Hwy. 87 (Rigsby) toward La Vernia; need someone to watch TV, feed, and take to doctors appointments and shopping; light housework, cooking, and some internet skills helpful; must have good driving record, some organizational skills, must pass a background check, and provide references; must know how or learn to play video games. It is a fun job! Pay starts at $8.50/hour and guaranteed at least 45 hours. If you meet the above call 210-389-8212, if no answer leave message and telephone number and I will return your call. 
Maverick Grill is hiring wait staff, bus staff, line cook, and dishwasher. Apply in person Mon.-Fri. between 2-5 p.m., 6671 U.S. Hwy. 181 North, Floresville. 830-216-2712.
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Section A: General News


Lumping it




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Dave Ramsey
Financial Straight-Talk
October 2, 2013 | 1,092 views | Post a comment

Dear Dave,

I have $400 in debt on a credit card, and I haven’t made a payment on it in about two years. The debt has been sold several times, and now the amount they’re asking for is over $1,000. I’d like to work something out, but how do I know the collection company that is calling me now is legitimate?

Lorenzo

Dear Lorenzo,

It’s normal for a debt this old to have been sold a few times. My guess is the company that’s calling you is legit, and they probably bought the debt for pennies on the dollar.

Whatever you do, don’t set up a payment arrangement. They’re asking for over $1,000 because they’ve added stuff like late charges and interest. Let’s go back to the original amount of $400 and see if they’ll accept a one-time, cash payment to settle things. Make sure you get it in writing if they accept and don’t give them a dime until after you get the written agreement. Then, once you have the agreement, send them $400. Do not, under any circumstances, give them electronic access to your checking account.

You’ve waited a long time to take care of this, and in the process you’ve made things more difficult. I’m glad you’ve decided to clean up your mess, though. Late is better than never, Lorenzo. Just remember, you’re still responsible for debts you incur -- even if the company you originally borrowed from has sold it to someone else!

Dear Dave,

Is it ever okay to stop paying or drop health insurance altogether in order to pay off debt?

Shauna

Dear Shauna,

No! The No. 1 cause of bankruptcy in America today is medical bills, and credit card debt is a close second. That doesn’t mean medical bills only of the uninsured. It also includes money from co-payments, deductibles, and the fact that people didn’t have any savings. One accident or unexpected event can leave you with thousands of dollars in medical bills, and that’s even with a good health insurance policy.

I don’t want anyone walking around without health insurance. But I’m not talking about the Affordable Care Act and all the other mandated crap the government is trying to shove down our throats. I’m talking about a solid health insurance plan along with having some money saved. Do this first then you can have all the philosophical discussions you want about whether or not you’re supposed to pay for someone else’s healthcare and upkeep.

At the end of the day, it’s absolutely vital that you have your own health insurance. I hope I haven’t been unclear on this topic!

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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