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VideoLost orange & white female fox terrier on 5/1/16 near 775 & 3432. Please contact Lindsay @ 210-284-0094. Thanks.
Terrier mix, female, "Marma," missing near F.M. 427/C.R. 537, 30 lbs., orange/red medium length fur, can be extremely shy. Call or text if seen, 210-440-3889.

VideoReward! Trooper, gray and white male cat is missing from C.R. 429, Stockdale, he might have been accidentally transported off, missing since 11/13/2015. Call 512-629-2005.
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Help Wanted

Experienced electrician needed. Call 210-885-4101, fax 830-393-0909, or email srallaelect@netzero.net.
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


Chapter 7 vs. 13




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Dave Ramsey
Financial Straight-Talk
August 6, 2014 | 2,016 views | Post a comment

Dear Dave,

What’s the difference between a Chapter 7 bankruptcy and Chapter 13 bankruptcy?

Claudia

Dear Claudia,

Chapter 7 bankruptcy is what most people think about when they hear the word “bankruptcy.” It’s total bankruptcy, almost like dropping an atomic bomb on your entire financial picture.

Virtually all of your unsecured debt (except student loans, child support, and money owed to the IRS) is wiped out. These things are not bankruptable. About 98 percent of the time, creditors of your other unsecured debt -- things like credit cards and alike -- get nothing. Items that are secured debt, such as your car or house, are treated a little bit differently. If you’re behind on payments, you may be allowed to get current. In most cases, banks will allow you to re-sign in a process called reaffirming the debt.

Chapter 13 bankruptcy is a payment plan structured over five years. In it, you have to pay all of your secured debt. If it has a lien on it, you pay 100 percent to keep the item. You also have to pay a portion of your unsecured debt. Again -- like in Chapter 7 -- debt to the IRS, child support, and student loans don’t go away. For any other unsecured debt, you can pay a percentage of what’s owed. An overall payment plan is developed, and you make those payments for five years.

I’m not a big fan of either one.

Dear Dave,

Do you think it’s unreasonable to ask my 76-year-old husband to have a will drawn up? He had one made when we lived in Florida, but we moved to Georgia. He won’t do it, because he says wills aren’t recognized in Georgia.

Cam

Dear Cam,

Wills aren’t recognized in Georgia? Where did he get his legal advice, in a bar or pool hall?

Okay, let’s straighten this out. The will he had drawn up in Florida wouldn’t be recognized in Georgia, but he could have one made in Georgia that would be absolutely valid and legal. Everyone: No matter where you live, you need a will. If you die without a will in place, your family has to go through the court and jump through all sorts of hoops to settle the estate. The process can take several months. No one should leave their loved ones in that kind of predicament, when having a will drawn up is such a simple an inexpensive process.

Everyone needs a will, Cam. Human beings have a 100 percent mortality rate, okay? No one is getting out of this thing alive. You need a will, a full estate plan with specific instructions on what to do with all your stuff after you die!

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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