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

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VideoLost: Pitbull mix, brindle male, answers to Jake, since April 7 on I-37 between 536 and Hardy Rd. No questions, help Jake come home to his family, 361-765-7373.
Found: 2 female dogs, 1 black and white Terrier mix and 1 Lab mix puppy, Floresville. 812-632-8164.

VideoMarma went missing near FM427/CR537. F/Terrier mix/30lbs/Orange/Red medium length fur. Can be extremely shy- please call or text 210-440-3889 if seen.
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Help Wanted

S S Water Supply Corp., Customer Service/Billing Clerk, full-time position, great benefits, starting at $8/hour (DOE). Apply at 10393 U.S. Hwy. 87, La Vernia. Open until filled.
The 81st Judicial District Attorney’s office is seeking candidates for the position of an Administrative Assistant. Duties will include but not limited to: answering incoming calls and greeting visitors, prepare discovery for defense bar as required, providing administrative and clerical support to the ADAs and District Attorney, assist in general office work and perform related duties as follows: Operate a multi-line telephone switchboard, proficient use of software applications and computer equipment, scanning and compiling files for eDiscovery, filing and creating court files, generating reports as required. Applicants must have at least five (5) years of administrative assistant experience, strong computer skills (Word, Excel, PowerPoint) ability to multi-task, excellent organizational skills and attention to detail. Some heavy lifting (about 40 pounds) required. Please mail, fax or email resumes and cover letters to the address and email below. DEADLINE FOR RESUME SUBMISSION IS MAY 6, 2016 AT 5 P.M. 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 | 1,361 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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Section A: General News Archives


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