Friday, February 12, 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

*Includes FREE photo online! mywcn.com/lostandfound
Bear, please come home! Missing since October 22, 2014, black Manx cat (no tail), shy. Reward! Help him find his way home. 210-635-7560.

VideoLost dog! Two weeks ago our dog went missing. Black lab mix. About 2 years old. He has a scar on his belly and a black tongue. Please call 8305835601
More Lost & Found ads ›

Help Wanted

Although we make every effort to spot suspicious ads before they run, one may occasionally get into print. If that happens, we ask the consumer to call us ASAP so that we can take corrective action.
Wilson Community Health Center, Equal Opportunity Provider and Employer, Floresville, Texas. The following full-time positions are available: Clinic Supervisor (LVN license required), LVN, and Client Support Representative - Medical Front Office. View qualifications at http://atascosahealthcenter.weebly.com/index.html. Send resume to: Human Resources at hr.achc@tachc.org or fax to 830-569-8320.
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


Eagle Ford: Kid’s car insurance




E-Mail this Story to a Friend
Print this Story
Dave Ramsey
Financial Straight-Talk
February 13, 2013 | 1,343 views | Post a comment

Dear Dave,

I’m divorced and have a teenager who will be driving soon. What would be the best way to set up insurance for the child?

Mike

Dear Mike,

I suppose a break-up does change the dynamic somewhat, but with my kids I simply left the car in my name and paid the extra insurance cost for a little while. For me, still being in control of the car as a dad outweighed the additional money I was paying in premiums. Having a minor child running around in the world with his or her name on a car title is not a good plan.

Then, when they turned 18, I put each of their cars into their names. This, of course, was dependent on them behaving and acting responsibly. They were legally liable at that age too. I’m sure the insurance costs went up, but at that point the financial risk and liability factors were on them, not me.

In this kind of situation, especially because there’s more of a potential for disagreements, I think I’d do it that way. Just put it in your name for now, especially if you’re putting money toward the purchase of a vehicle.

Dear Dave,

My employer recently stopped matching my 401(k) contributions. Together, my husband and I make about $100,000 a year. Should I continue to invest in this option, or should I put money into an IRA?

Linda

Dear Linda,

If possible, I would put 100 percent of my retirement savings into a Roth IRA with good, growth stock mutual funds before messing with a non-matching 401(k). But remember, my goal if you follow the Baby Steps is to be debt-free except for your home, and have an emergency fund of three to six months of expenses, before you begin setting aside for retirement. These are the steps that allow you to be prepared for emergencies and free up your largest wealth-building tool, which is your income.

With your income, both you and your husband could open Roth IRAs and contribute $5,500 each in 2013. That’s a total of $11,000 toward retirement next year, and it’s only 11 percent of your income. With this in mind, I’d advise going ahead with your 401(k)s after your Roth IRAs are in place. That would flesh out the remaining four percent and give you guys 15 percent of your income going toward retirement!

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

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 nab 7 in human-trafficking sting (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Apply now for Miss La Vernia Pageant (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Behind the lens: Hitting the trail (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. BPA students advance to state (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Bud Box ends two-decade career at alternative school (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Chamber to hold monthly luncheon (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. China Grove mayor, police chief clash (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Commissioners amend Kicaster-area fire coverage plan (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Dating and the budget (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Donate blood to save lives (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: It’s about ‘We the People’ … what will ‘we’ do? (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: National election: Iowa down, New Hampshire to go (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Firefighters plan Pancake Breakfast (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville mayor to councilman: Sit down or else (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville park’s erosion problems prompt action (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Free heart health screenings (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. H-E-B ice cream recall (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia trustees consider $33.2M bond, approve new finance chief (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Lean meat still part of a heart-healthy diet (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: House fire victim extends gratitude (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Pastors should keep out of politics, stay in church (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Unruly government needs discipline (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Writer says it’s okay to ignore the charter (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Evergreen Underground Water Conservation District (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Floresville Planning & Zoning Commission (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: St. Hedwig City Council (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Oil, gas leasing workshop Feb. 22 (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. One-stop tax shop? (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Petition supporters plan protest rally (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Police Blotter (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Presidents’ Day office closures (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Register for Great American Cleanup (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Save the date for ‘Hope in High Cotton’ (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Should Christians support sanctuary for illegal aliens? (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale supports apartment venture (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Things are looking up in downtown Stockdale (February 10, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. ‘Official oppression’ or ‘criminal trespass’? (February 10, 2016)
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)