Saturday, February 13, 2016
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Lost & Found

Lost: Female German Shepherd, about 2 years old, pink collar, lost from Hickory Hill/Great Oaks Subdivisions off FM 539, La Vernia, on Thurs., Feb. 4. Reward! 830-947-3465.

VideoMissing: Male Boxer, since evening of Jan. 4, Hwy. 97 West, rear of Promised Land Creamery, $500 REWARD. Call 830-391-2240 with information.
Found: Basset Hound, Hwy. 97 W./Hospital Blvd., Floresville. Call 830-391-2153 between 9 a.m.-11:30 p.m.
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Help Wanted

Immanuel Lutheran Church is now hiring for a Youth and Family Ministry Director. Pastoral: Minister to youth and their families during Sunday School and other church programs, being present in their lives outside the church walls, available for common concerns and in crisis situations. Leadership: Recruit and nurture Youth and Family Ministry program. Administration : Manage the planning process and coordinate with Pastor and Youth Committee all regular ministries to youth and their families. This includes youth of all ages on Sunday mornings and mid-week events; assisting with Confirmation, special events, trips and retreats, and parent meetings. Stewardship: Ongoing evaluation of the effectiveness of youth programs, manage youth ministry budget, and collaborate with the sponsors of each Youth group. Ability to build, lead, and empower youth. Ability to implement a ministry vision. Familiarity with Lutheran Doctrine required; must be comfortable teaching it and representing Lutheran Theology. Proficient computer skills using MS Word, Excel, PowerPoint, database, email, internet, and social media. Supervisory experience preferred. Ability to adapt and evaluate curriculum preferred. Must have excellent organization, communication (verbal and written), and listening skills, with a high degree of initiative and accountability. Exceptional interpersonal and relational skills required, with sensitivity to church members and visitors. Understanding and enjoyment of youth and families and guiding their spiritual development. Please send resumes to immanuellavernia@gmail.com or call 830-253-8121.
Be skeptical of ads that say you can make lots of money working from the comfort of your home. If this were true, wouldn’t we all be working at home?
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Section A: General News


Asking for a raise




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Dave Ramsey
Financial Straight-Talk
August 20, 2014 | 1,807 views | Post a comment

Dear Dave,

What’s your advice on asking for a raise at work when you have more responsibility than a co-worker but the same title on paper? After being with my company four years, I feel like I should make more money and I have the right to complain about this.

Vanessa

Dear Vanessa,

Sorry, no. You don’t have a right to complain. You agreed on your pay, and you are doing your job the way your character and integrity tell you to do the job. If someone else is a slacker in the same position, that doesn’t mean a whole lot in terms of your personal compensation.

I’ve got several people at my company who hold similar positions and make similar money. Some of them have been here for years, while others are relatively new. I don’t pay people for how long they’ve been in the building, and I don’t want anyone on my team who doesn’t give 100 percent. Now, that may be a different issue than pay, but at the same time I don’t want someone who gives 50 percent and I pay them 50 percent. I want everyone at 100 percent, but that kind of thing isn’t your problem. It’s the company’s problem, because she works for them and not you.

If you honestly feel like you deserve a raise because of your effort and performance, that’s fine. Sit down with your leader and make a logical and reasonable argument for why you deserve more money. But don’t bring up your co-worker and what he or she makes in the discussion. That’s just not relevant. What is relevant is your worth and the value you bring to the organization.

But a comparative analysis with someone else on staff just isn’t a good idea. I’d stay away from that, Vanessa.

Dear Dave,

My wife and I live in New York, and we’ve had whole life insurance for several years. There’s a seven percent penalty if we cash out the policies now. If we wait a few years, we won’t have to pay into the premiums anymore. Should we cash out the policies anyway?

Brian

Dear Brian,

The reason you won’t have to pay into the premiums anymore is because you built up enough savings, and they are not paying you enough on the savings to amount to anything. The amount they should have been paying you versus the way they were ripping you off will buy the life insurance.

It’s not like you can pay for it because you still have probability of death. As long as there’s a probability of death there’s a cost to life insurance. The only question is whether you’re paying out of your savings account or your checking account. In this case, you’re paying out of savings.

The seven percent figure is just your surrender charge, so I’d get out of that policy soon. Here’s the problem, Brian. If you die today, do you know what they’ll pay? Face value. They won’t pay face value plus the savings you paid for. In other words, you’ll lose your savings.

I’d get term life insurance in place by the end of the week. Compare prices on term, because you’ll be surprised at the difference some companies charge for term insurance. Make sure you get good 15- to 20-year level terms policies valued at 10 to 12 times your annual incomes.

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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