Monday, February 8, 2016
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Lost & Found

Lost: Female German Shepherd, 2 years old, pink collar. Lost from Hickory Hill/Great Oaks area off FM539, La Vernia on Thurs. Feb. 4 Reward! (830) 947-3465
Found: Basset Hound, Hwy. 97 W./Hospital Blvd., Floresville. Call 830-391-2153 between 9 a.m.-11:30 p.m.

VideoREWARD. LOST CAT: Gray and white male cat, since Nov. 13, on C.R. 429, Stockdale, wearing a silver collar. Call 512-629-2005 with any information.
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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.
The City of Falls City is taking applications for the City Clerk position. Applicants must have a high school diploma or GED, have one year experience or more with QuickBooks, Microsoft Word – Excel, and bookkeeping. This is a full-time position with benefits. Salary is negotiable. Applications are available at City Hall located at 208 N. Irvin, Falls City, Texas. All applications are kept on file for two years. The City of Falls City is an Equal Opportunity Employer. 
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Section A: General News


Helping her the right way




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Dave Ramsey
Financial Straight-Talk
May 14, 2014 | 1,806 views | Post a comment

Dear Dave,

My wife and I have a friend we met through the Big Brothers Big Sisters program. She has a 1-year-old child, and she recently asked us for some money. We don’t really approve of how she’s choosing to spend her money -- she’s spending a lot of it on alcohol and cigarettes -- but she does need financial help. What should we do?

Mike

Dear Mike,

I have a very simple rule for situations like this. If someone is bold enough to ask me for my money, I can be bold enough to attach requirements to the money for their own good.

One of two things will happen when you handle things in this manner. They’ll welcome the help and graciously accept your conditions, or they’ll get mad and act like you have no right interfering in their business. I don’t have a problem helping people who have a good heart and really need a break. But if someone cops an attitude with me in this situation, I wouldn’t break out my wallet anytime soon.

Regardless, if you choose to do this, I’d make the money a gift and not a loan. Concentrate on trying to get her on a path where she thinks a little straighter, and, as a result, she will make better choices. Teach her how to make and live off a budget or help her enroll in a personal finance course. But right now, just handing her money is like giving a drunk a drink.

This whole situation is a lot bigger than giving someone $35 for diapers. The answer to that is easy. It’s yes. But in this case I’d probably give it to her in the form of a grocery store gift card. Many of those don’t allow alcohol and cigarette purchases. Or, I’d just go buy diapers and baby food and take them to her. Actually helping people is a lot more work than just throwing money at them. To really help someone, you have to get down in their mess and walk beside them.

Financially speaking, her problem is just as much mismanagement of money as it is a lack of money. Anyone who chooses smokes and alcohol over diapers for their kid needs to be smacked. But since you can’t really do that, you can put conditions on your help that are designed to help her improve her decision-making abilities and, by doing that, improving her life.

Dear Dave,

What do you think I should do with savings bonds I’ve been given over the years?

Ashley

Dear Ashley,

I’d cash them out now and invest them in something better. Savings bonds earn almost no money. Plus, they’re the kind of things people just leave lying around and forget about.

Back in the day it was a big thing to get and give savings bonds. We’d get them for birthday presents and such. Then, we’d wait until they matured and cash them out.

That’s exactly what I’d do in your case, Ashley. Cash them out today and put the money into good growth stock mutual funds. You’ll be glad you did!

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 . Questioners’ identities have not been verified by the Dave $ays column or this newspaper.
 

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