Saturday, February 6, 2016
1012 C Street  •  Floresville, TX 78114  •  Phone: 830-216-4519  •  Fax: 830-393-3219  • 

WCN Site Search


Preview the Paper Preview the Paper

Preview this week's Paper
A limited number of pages are displayed in this preview.
Preview this Week’s Issue ›
Subscribe Today ›

Lost & Found


VideoMissing: Male Boxer, since evening of Jan. 4, Hwy. 97 West, rear of Promised Land Creamery, $500 REWARD. Call 830-391-2240 with information.
Lost: Male Red Nose Pit Bull, "Chevy," wearing an orange collar, friendly, last seen on County Road 403. 830-477-6511 or 830-534-9094.

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.
More Lost & Found ads ›

Help Wanted

The Cutting Edge Salon and Spa in Nixon is looking for experienced hair stylist and manicurist. Call 830-582-2233.
Sign maker/Installer, no experience necessary, will train, must have reliable transportation, valid driver license, ability to lift 50-70 pounds, must be able to work indoors and outdoors.  Apply in person at Photographs by Jim/Eagle Ford Signs, 1013 C. Street, Floresville. No Phone Calls.
More Help Wanted ads ›

Featured Videos





Video Vault ›
Richardson Chevrolet homeRE/MAX homeTNMC
You’ve been granted free access to this subscribers only article.

Section A: General News


Freezing your credit report




E-Mail this Story to a Friend
Print this Story
Dave Ramsey
Financial Straight-Talk
August 13, 2014 | 2,073 views | Post a comment

Dear Dave,

Do you recommend a credit freeze in order to protect against identity theft?

Eric

Dear Eric,

I absolutely recommend doing that, especially if you’re not borrowing money anymore. However, putting a freeze on your credit report only provides partial protection against identity theft.

Identity theft is where someone, for example, signs up for a credit card in your name. If Joe Crook signs an application with your name and address, and the credit card company issues the card without checking -- they blind-issue cards about seven out of 10 times -- then the card will be issued to the thief. Having your credit frozen does nothing to stop that from happening. Still, if they check your credit and it’s frozen, chances are they won’t issue the card.

I’d also recommend having a good identity theft protection program in place. I have it on myself and all my team members at the office. If you don’t have this, and someone gets a card in your name, the credit card company will demand that you pay the bill. You can insist it’s not you, but that won’t do much good. Then, you’ll have to go through the hassle of filling out affidavits and police reports.

You may get out of paying for it in the end, but you’ll still have to spend dozens, if not hundreds, of hours dealing with the credit card company trying to get the whole mess straightened out!

Dear Dave,

I make $30,000 a year. I’ve just started Baby Step 2 of your plan, and I’m paying off my debts from smallest to largest. I have $55,000 in debt, including $15,000 on a car loan. I recently picked up a part-time job to help pay down the debt, but sometimes I’m working 70 hours a week. Do you have any recommendation for staying motivated during this process?

Brandon

Dear Brandon,

I understand, man. We can all get tired and run short on motivation from time to time. There’s an old saying that fatigue makes cowards of us all. I know sometimes, when I’m traveling a lot, I can lose some boldness, strength, or compassion when I get tired. So fatigue is a real issue if you’re working long hours and facing additional pressure.

The balance on your car is awfully high. My general rule is that you don’t want to own vehicles equaling half or more of your annual income. If I were in your shoes, I’d sell that car and move down to a little beater for a while. I’m not talking about a rattletrap piece of junk, just something lots less expensive. You can find a decent used car to fit the bill, and that would get rid of a big chunk of debt in a hurry.

At this point, I think you just need to feel like you’re making some measureable progress. Sometimes, that means throwing a stick of dynamite into the middle of your life. Also, try keeping your debt snowball list where you’ll see it on a regular basis. I knew one lady who kept in on the fridge, so she could look at all the little red lines drawn through things she had paid off. It was a visual reminder of the progress she had made, and it provided motivation to keep working hard and become debt-free!

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.
 

Your Opinions and Comments


Be the first to comment on this story!


You must be logged in to post a comment.




Not a subscriber?
Subscriber, but no password?
Forgot password?

Section A: General News Archives


Full article available to Wilson County News subscribers only. Click here to subscribe. Agencies uncover $400K in stolen vehicles, parts (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. China Grove begins vote on tax rollback (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Clock running out for Floresville recall issue (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Connally expands high-tech health care (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Council action changes boards (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Deputies charge Floresville spurned lover with arson (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Deputies investigate recent thefts (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: The demand for villains (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: What’s in a city charter? Is it like a … Constitution? (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Eight-liner opponents face deadline (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. FELPS pools tornado damage claim with city, Floresville ISD (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville USDA accountant resigns (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Free CERT disaster course (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Get a free heart health screening in Kenedy Feb. 12 (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Greater LV Chamber to meet (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. H-E-B recalls cookware (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Hold on for now (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. It’s all happening at Nixon-Smiley Elementary (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Kicaster area will have fire coverage (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Landfill welcomes China Grove junk (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Apple Pie author extends thanks (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Gonzales differs with writer’s conclusion (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Talamantez truly a man of the people (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Life Line Screening event set in Floresville Feb. 28 (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Mock Republican Debate Feb. 20 (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Nixon-Smiley livestock show set for March (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. One dead in game-room robbery (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Pioneer Award honors Burnside (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Pirates Cove in Poth offers after-school care service (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Save the date for Lincoln Dinner (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. School district cops ink deal with city, county (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Second responders to meet (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale, La Vernia units respond to back-to-back fires (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tanneberger is top agent (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Weigh in on Loop 410 changes (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Wilson County Hermann Sons lodges meet new-member goal (February 3, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. ‘Loving’ heart-shaped treats are for the birds (February 3, 2016)