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Service Technician Assistant. Job description: Assist technician in propane tank installation, gas piping, shop work and repairs. Paid training, paid uniform, family insurance (medical and dental), paid holidays and vacation. Will need to pass a physical, background check, and drug/alcohol test. Must be willing to obtain a CDL license in the future for backup driver position. Call Kathleen, 830-393-2533, Smith Gas Company.
Kolodziej’s Food Service & Fundraising is currently looking for candidates for our growing company, full-time positions are available in the following areas: General Warehouse and Driver, qualified candidates must possess excellent customer service skills, clean driving record, and be able to work independently as well as in a team environment; working knowledge of basic computer systems, cash handling, and 10-key a plus. We offer a competitive salary package. Interested parties should email resume to Kathy@kolodziejs.com or drop off in person at 101B Dilworth Plaza, Poth, TX 78147.
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Section A: General News


Where are you in your financial plan?




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Dave Ramsey
Financial Straight-Talk
June 25, 2014 | 1,621 views | Post a comment

Dear Dave,

What things do you advise buying used versus buying brand new?

Amy

Dear Amy,

I’m afraid there’s not one good, across the board answer, because it all depends on where you are in your financial plan.

When it comes to cars, you should always buy good, used vehicles, unless you have a million dollars or more in the bank. New automobiles drop in value like a rock, so buy smart and let someone else take the hit in depreciation. You don’t become wealthy by investing in things that go the wrong way.

If you’re talking about clothing, and you’re broke or trying to get out of debt, there’s absolutely nothing wrong with shopping consignment stores -- especially for kids. They wear things three times, and then they’ve outgrown them. “Experienced” clothing is a great buy for adults, too.

Of course there are other things, but here’s the deal. As your money situation improves, you’ll be able to buy more new things. The price of “new” will become a smaller and smaller percentage of your financial world.

But when you’re broke, deep in debt or don’t have a big income, the money you spend on anything is a big percentage. At times like this, a decent $50 washer or dryer in the classifieds can be the best deal on the planet!

Dear Dave,

I’m 24-years old, and just got married two months ago. We make $80,000 a year, and have our emergency fund in place with no debt. Plus, we’ve saved up for a 15 percent down payment on a house. I know you suggest 20 percent, but is 15 percent okay?

Tony

Dear Tony,

I don’t have a big problem with 15 percent instead of 20 percent. Chances are you’ll end up having to pay private mortgage insurance, but it sounds like you guys are in good enough shape financially to handle things.

I generally recommend, however, that couples wait until they’ve been married at least a year before buying a home. Buying a house is huge decision. That’s why I think it’s smart to wait and get to know each other even better, and on a day-to-day basis, before moving in this direction.

Take your time and don’t rush things, Tony. There will still be good deals on the market in a year or so. Plus, you’ll be able to save more money!

Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership and Smart Money Smart Kids. His newest best-seller, Smart Money Smart Kids, was written with his daughter Rachel Cruze, and recently debuted at #1. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.
 

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