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

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Lost & Found


VideoLost: Shih Tzu, male, golden brown, from C.R. 320 in Floresville. If you have any information call 210-452-1829 or 832-292-3305.

VideoStill missing: Long hair Chihuahua, near 3rd and Hwy. 97, Floresville, she is very missed. If you see her please call Jeri, 409-781-3191.
Lost: Small black/white tortoise shell cat, 1-1/2 years old, Aug. 8, Country Hills area, La Vernia, friendly, "Cinnamon" but responds to "Kitty," rhinestone collar w/bell, shots, spayed. Reward! 210-725-8082.
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Help Wanted

The Floresville Independent School District is accepting applications for District Wide Custodian Positions, 2:00 p.m. to 10:30 p.m. shift. Applications may be obtained online at www.fisd.us or contact Sylvia Campa at 830-393-5300 ext. 14002 for appointments. FISD Personnel Office is located at 1200 5th St., Floresville, Texas. 830-393-5300 (Office hours: 8:00-4:00). Applications will be accepted until all positions are filled. An Equal Opportunity Employer.
The 81st Judicial District Attorney’s office, which includes Frio, La Salle, Atascosa, Karnes and Wilson Counties, is accepting resumes for an Assistant District Attorney position. The selected candidate will work directly under the Border Prosecution Unit Initiative dedicated to Human Trafficking/Human Smuggling. Responsibilities of the position include working closely with federal, state and local law enforcement agencies, felony intake, preparation of cases for grand jury, negotiating pleas and representation of the State of Texas in pretrial proceedings, as well as in criminal bench trials and jury trials in District Court. All applicants must be a graduate of an accredited law school and licensed to practice law by the State of Texas and have a minimum of fifteen (15) years prosecutorial experience and extensive felony trial experience. Salary commensurate with experience. Resumes will be accepted through close of business, September 3, 2015. EMAIL resumes and cover letters to terireyes@81stda.org or fax to 830-393-2205. DISTRICT ATTORNEY RENE PENA C/O, TERI REYES, Office Manager; 1327 THIRD STREET, FLORESVILLE, TEXAS 78114. Fax 830-393-2205, terireyes@81stda.org.
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Section A: General News


Remember your Christmas budget




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Dave Ramsey
December 26, 2013 | 1,273 views | Post a comment

Dear Dave,

My wife and I have $15,000 in debt left to pay off. We bring home around $32,000 a year, and we usually spend $250 to $300 on Christmas. I started talking to her about your plan earlier this year, and she finally agreed and got on board a couple of months ago. How should we handle Christmas budgeting in the middle of working our debt snowball?

Scott

Dear Scott,

The first thing I’d suggest is to not mention my name for a while. If she’s agreed to start working the plan and help you guys get control of your money, that’s enough for now. We don’t want to cause a rift during the holidays.

Just sit down together and ask her what she thinks is a reasonable amount to spend for Christmas while you’re trying to get out of debt. If it’s a reasonable figure, smile and tell her you agree. You might even ask if she’s okay with your old Christmas budget. If she is, then pencil it in and move on to other things.

The big thing is to make sure you listen to her opinion and work on this together. On the off chance that she gives some crazy dollar amount, just nod and ask how she came to that figure. Then, talk things out. Don’t bring up my name or go crazy about things. It sounds like you two are on the right track!

Dear Dave,

Do you think I should consider switching from my traditional TSP (Thrift Savings Plan) to a Roth TSP?

Jeremy

Dear Jeremy,

If I’ve got a choice, I’m going with the Roth TSP. Now, if you’re starting out really late with your saving and investing, the math might work out either way. But in most cases, when you’ve got several years ahead of you, a Roth TSP, or even a Roth IRA or Roth 401(k) where your money grows tax free, is a much better choice.

Remember, unless you’ve waited until you’re in your sixties, the vast majority of the money in the account will be growth. Ten percent or less will be the money you actually put into the account. This tax-free growth is what makes the Roth TSP an excellent choice.

In other words, if you’ve got $1 million in your current investment, and $900,000 is growth, you’ll get taxed on that portion. That would amount to around $300,000. If your money is in a Roth, there are no taxes. You just saved $300,000 out of every $1 million. Not a bad deal, is it?

Dear Dave,

What do you think about using an online bank for my emergency fund?

Raphael

Dear Raphael,

It’s not a bad idea at all, as long as you can easily check out the institution’s reputation and stability. There are lots of financial scams online, so you want to do some research and make sure they’re a reputable and trustworthy organization.

Due diligence is the key, Raphael. There are reliable household names that are online banks, but you can’t just assume the group you’re dealing with online is made up of honest, stand-up folks any more than you can with a traditional brick-and-mortar bank. Make sure you take your time and know exactly what you’re getting into before going into business with them.

Remember, it’s not as simple with an online bank as just walking in the door to get your money back if something goes wrong!

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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