The PATHWAYS of PAUL Pilgrimage, Sept. 18-28, 2019 -- Information

 
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Jan. 13, 2019

Dec. 23, 2018

   The Dead Sea Scrolls series

 

   St. Nicholas School, Kinsley, Advent Cantata, Dec. 7, 2008

 

   

 

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Scroll to bottom to navigate to different departments

Of starter homes and joint accounts

Financial advice for the newly married

By David Myers
Southwest Kansas Catholic

INTRODUCTION: When I recently began to study my financial responsibilities when it comes to retirement, I realized how much wiser I could have been with my finances starting much earlier in life. In light of this fact, I offered some questions to Eric Haselhorst, Director of Stewardship for the Catholic Diocese of Dodge City, designed primarily for young couples just starting out.

   Southwest Kansas Catholic: Eric, I’d like to create a couple: Connie and Frank. They’ve been married for two months. Both graduated from college last June. They both have jobs, but with starter’s pay. What is the first thing Connie and Frank should consider, financially speaking, once they are married?

   Eric Haselhorst: Ideally, Connie and Frank would create joint accounts, with the person who manages money naturally being the bill payer.

   Obtain life insurance: I would suggest that each obtain a life insurance policy that is 10 times their annual income. Why? In the event of a death, that amount of money will help replace some of the activities the spouse provided, such as house cleaning, lawn care etc. A stay-at-home parent needs life insurance, too.

   Obtain health insurance: Health insurance is a must, and is often provided by employers. As of this writing, health insurance outside of an employer is a moving target as far as affordable choices.

   Create an emergency fund: An emergency fund should be a minimum of $1,000 to get started, $500 if the earner makes $20,000 or less, annually. Once financially stable and debts are paid off, the emergency fund should be three to six months of living expenses.

   Southwest Kansas Catholic: What should their priorities be when creating a budget?

   Eric Haselhorst: Depending on where Connie and Frank fall financially, the four walls are the first consideration: food, clothing, shelter, and transportation. Once those mandatory pieces are in place, other items can be considered.

   Southwest Kansas Catholic: What is the smart thing to do when considering their first home/apartment?

   Eric Haselhorst: Unless a person plans to be in area for five or more years, renting is a great option, as it buys time. Also, renters insurance is cheap and a smart buy when renting.

   Southwest Kansas Catholic: When it comes time to purchase a home, what should they be careful of so that they don’t get in way over their head?

   Eric Haselhorst: Most couples can afford more home on paper than they might want to afford when considering their lifestyle. A house payment should not exceed 25 percent of take home pay, including taxes and insurance. A 20 percent down payment on a 15-year fixed mortgage will help couples avoid being house poor, and will allow them to sleep well at night.

   Southwest Kansas Catholic: Should they be putting money away even as they are paying off debt? Or should they pay off their debt before putting money away?

   Eric Haselhorst: If Connie and Frank will aggressively pay off debt, saving money can be put on hold. The key is to try to be out of debt super fast, then to try to save 15 percent of your income while paying off the house.

   Southwest Kansas Catholic: Considering the incredibly high cost of college, how best should parents save to help pay for their children’s tuition?

   Eric Haselhorst: 529 plans in the state of Kansas have favorable tax implications. [The 529 Plan is operated by a state or educational institution, with tax advantages and potentially other incentives to make it easier to save for college and other post-secondary training for a designated beneficiary, such as a child or grandchild. See more at irs.gov/newsroom/529-plans-questions-and-answers.]

   Southwest Kansas Catholic: Could you give Connie and Frank any advice on investing?

   Eric Haselhorst: Outside advice from a qualified expert in retirement plans is a great asset. Choose one with the heart of a teacher. If you cannot explain your retirement plan to a 6th grader and have them understand it, don’t buy it.

   Southwest Kansas Catholic: What are some of the unexpected financial struggles that married couples face? What is the best way to prepare/deal with them?

   Eric Haselhorst: Our grandparents would often have a “Rainy Day” or “GOK” (God Only Knows) fund. This type of savings or emergency fund helped to soften the blow of the unknown financial troubles. Eventually, there will be a broken bone, bad transmission, flooded basement, or other type of short-term catastrophe. Having a good emergency fund, as well as health, auto, and home owners insurance, helps to insulate couples from the unexpected things of life.

 

   Eric is the Director of Stewardship for the diocese, and has been a featured speaker at numerous financial seminars, as well as at the annual diocesan Stewardship Day. He is also an author and in his off hours is a small business owner. He is married to Christine, Dodge City Community College Foundation Director. She also portrays Miss Kitty at the Long Branch Saloon at Boot Hill Museum. The couple have three children, Matthew, Allison and Kara. They reside in Dodge City and attend the Cathedral of Our Lady of Guadalupe.

 

Past Issues

Dec. 9, 2018

Nov. 25, 2018

Nov. 11, 2018

Oct. 28, 2018

Oct. 14, 2018

Sept. 16, 2018

KEYWORDS, PHRASES: 2018 Golf Classic; student athletes; physically challenged; Leonard Stegman; Lesson in forgiveness; Sending us on a mission

Sept. 2, 2018

KEYWORDS, PHRASES: Priest crisis; Scandal; Opioid addictions; Seeds of Suicide; Leightons; St. Anne; Vincke; seminarians; Dominican Sisters; Stewardship Conference; Dead Sea Scrolls; PSR programs; Roe V. Wade

 

August 12, 2018

KEYWORDS, PHRASES: Prayer and Action; Totus Tuus; Janee Bernal; Diana Ramirez; Heidy Ramirez; Bishop Gilmore honored for 20 years ministry; suicide; contraception and abortion; Dead Sea Scrolls; Humanae Vitae; certification in youth ministry; Chuck Weber; Cathedral rectory chapel; Sister Viola Heichelbech; Adam Urban

July 15, 2018

KEYWORDS, PHRASES: Immigration Protest/Rally; Faith and Light Fiesta; Seeing the Dead Sea Scrolls; Corpus Christi procession; Prayers for priests; Sisters turn 100; Michael Brungardt; Gerald Vincke; Massacre in San Salvador; Action for Alex 

 

June 3, 2018

KEYWORDS, PHRASES: Parish Pray for Priestly Vocations; Appeal reaches $10 million; Gangs; Seminarians; Pam Willis; Why I like being a priest; Happy Father's Day; Patricia Lujan; Tyler and Rachel Bennett; Adoption Protection Act.

May 20, 2018
KEYWORDS, PHRASES: Track meet; Beloved Sinners; Benjamin Martin retires; Smiles; Future of Fortune Telling; Hoisington mission; DofI; Getting Equipped; Spring Social; First Communion; Confirmation
KEYWORDS, PHRASES: Track meet; Beloved Sinners; Benjamin Martin retires; Smiles; Future of Fortune Telling; Hoisington mission; DofI; Getting Equipped; Spring Social; First Communion; Confirmation

May 6, 2018

KEYWORDS, PHRASES: Archbishop Romero; Seeing, Touching, Tasting; Exhortation; Father Patrick Conroy; Happy Mother's Day; A child on your doorstep; Vibrant Ministries Grant; From the heart of a young father; Love Gives Life; Roman Holiday; Smartphone; retirement
Fossil Hunting

 

April 15, 2018

 KEYWORDS, PHRASES: Easter Vigil; Angelica Village; Colorado woman; The art of anger; Cimarron Couple; Staats; Adoption; 

Father Ultan Murphy anniversary; Coughlan; Spiritual Advisor to Hoodlums; Woman of Courage; Oration contest; Darcy Feist  

 

April 1, 2018

 

 KEYWORDS, PHRASES: Defending Adoption; Led by the Spirit; Knights; ABC Pregnancy Center;
Memorial of Mary; Homeless; Relics; Down syndrome abortion; Chrism Mass

 

March 18, 2018

KEYWORDS, PHRASES: SKYAC; Aleksandr Men; Fasting for Priestly Vocations; Uganda; School for deaf; Rannah Evetts; Oberle; Rachel and Doug Trombley; Oscar Romero; Paul VI; DACA

 

 

March 4, 2018

KEYWORDS, PHRASES: Fasting for priestly vocations; Father Juan; Fasting and prayer;
Quest Weekend 2018; DACA; With God, anything is possible; Homelessness in our communities; Rhubarb, Kansas;
What's the point of fasting; Rite of Election; same-sex couples

 

Feb. 18, 2018

KEYWORDS, PHRASES: Catholic Schools Week; Rachel Doll; Ellinwood; Great Bend; Garden City; Ness City; Dodge City; Sister Rita Schwarzenberger; Nigeria; Bishop Hermes; Fasting for Priestly Vocations; World Day for Consecrated Life; 50th Anniversary St. Dominic School; What will life be like in 50 years?

 

 

Feb. 4, 2018

 

KEYWORDS, PHRASES: March for Life; Tracy and Ross Smith; Adoption; Vibrant Ministries; Faith and Light;
Pro-Life; Mortal sin to discard elderly; DACA; Abortion; Dreamers; Human Trafficking

 

Jan. 21, 2018

 KEYWORDS, PHRASES: Louise Korbe; Anne Frank; Miep Gies; Home Heat; Father Solanus

 

Jan. 7, 2018

KEYWORDS, PHRASES: Good news and kingdom living; dreamers; Sister Teresa Orozco; Infant Adoption; Elderly; a moral conundrum; seminarian; feast of Our Lady of Guadalupe

 

Dec. 17, 2017

KEYWORDS, PHRASES: Celebrate Christmas 'unplugged'; Msgr. Matthew Smith; Klan; Catholic Charities Annual Appeal; Fr. Larry Rosebaugh; A Guadalupe Encounter; Laci and Joe Salazar; A Christmas Wish; Adoption; Confession; Advent; EWTN; Christmas Blues; Tilma; Pittsburgh; PSR

 

Dec. 3, 2017

 KEYWORDS, PHRASES: 2017 NCYC; Wheel of Balance; Marita Rother; Stanley Rother; slavery; trafficking; Windthorst water damage; martyred priests; confession; reconciliation; How to go to confession; recipe for codfish cakes; Catholic schools; appeal

 

Nov. 19, 2017

 KEYWORDS, PHRASES: Saints; Father Kola; Black Elk; Giving Tuesday; velvet Elvis; a Slice of Time; Dani Sandoval; Mexican Village; Father Tim Hickey; New faces at chancery; priests share thoughts on confession; Wheel of Balance

 

Nov. 5, 2017

KEYWORDS, PHRASES: Matrimony Anniversary Mass, 2017; Riebel; Faith and Light; Scripture Day; Sex in the Bible; Quilt, Mexican Village Story; Finance; Fatima pilgrimage; Fowler church window renovation; Medicare; Crazy Glue


Oct. 15, 2017

KEYWORDS, PHRASES: Father Francis Jordan; Sister Renee Kirmer; Father Rother beatified; religious liberty; RCIA Kansas; V Encuentro; Bishop Weisenburger; Daughters of Isabella; Bishop Gerber Science Center


Oct. 1, 2017

KEYWORDS, PHRASES: De Colores; Rebein; Dreamer; Pies; Kellner; Code Quilts; Sister Crucita; Feezor; Formed.org; Sin and pain

 

 Sept. 17, 2017

 

 KEYWORDS, PHRASES: Sister Lucy Fidelis; Underground Railroad; Sister Irene Hartman; DACA; new priests; teachers; Volunteer of the Year; Golf Classic; St. Francis Xavier; St. Nicholas Parish Center, Kinsley; seminarians; Knights Lite; Stewardship Day 2017

Sept. 3, 2017

Aug. 13, 2017

 KEYWORDS, PHRASES: Coronado Cross; Masada; Moody Gardens; Elders; Rother; undocumented children; cages; year of mercy; Kumi; Hollywood makeup artist; New Mexico; refugee women.

July 16, 2017

KEYWORDS, PHRASES: Summer camp; tithing and almsgiving; Bill Baalmann; Nathan Schaller; Jubilarian Sisters; Sister Hortencia Rodriguez; Sister Petrona Stockemer; Sister Denise Sevart; Convocation of Catholic Leaders; Mother talks about her son entering seminary; Arcoiris; Youth group travels to Colorado Springs; Major Phillip Roth

June 11, 2017 (Updated)

Ordination; Mark Brantley; Jacob Schneider; Father's Day; Thanks, Dad!; Appeal; Sister Mary Martin Weaver; Bishop Maralit; Budget; Trafficked women; Deacon Michael Brungardt; Dead Sea Scrolls; softball; Father Urban retirement; Sister Kravec retirement; Father Mazouch retirement; Authentic Joy; Pris Climate Accord; Jack Schramm; Pieta.

May 28, 2017 (Updated)

 

Grateful Hearts; MSFS Provincial; Reddy; Reif; Opossum; Dead Sea Scrolls; Our Lady of Fatima; Jorge Herrera, Jr.; Cursillo; Kough; First Communion; Confirmation

May 14, 2017

Esteban Hernandez; citizen; Lilly Ann Rein, Amberly Jimenez, Mother's Day; peacock; Quattrocchi; President Kennedy; Teen Moms; Junior High Youth Rally; Encounter With God's Call; granny/nanny; seniors' contributions; tornado anniversary; harvest; healthcare; Mr. Brown; Store-bought teeth; Louis and Zelie Martin; Father John Sullivan; Irish priest whose prayers could heal; Mexican beauty queen; Esmaralda Gonzalez; religious life

April 30, 2017

   KEYWORDS, PHRASES: Easter Vigil; bully; TEC; Father Marvin Reif; Bet'sie; What makes a hero?; St. Mary of the Plains; tornado

Easter, 2017

 KEYWORDS, PHRASES: SKYAC; Honorable courtship; footsteps of migrants; CHRISM Mass 2017; honoring priests; Encuentro Cross blessed; Daughters of Isabella State Convention; Fatima pilgrim statue; Mary Sharon Moore interview; Senate advances pro-life measures; love must be at the core of family life; Father John Forkuoh's car story; Confirmations; Sisters of Concordia; CNN hero Father Khalil Jaar

March 26, 2017

KEYWORDS, PHRASES: From the heart; kidney; Rother; Friar Carmelo; Schnauzer; Lauren Seachris; Lauren's Treat; fire; Guatemala; immigration; Lenten Regulations 1888; Hot Cross Buns; budget; Trump; Forkuoh; Seiwert; South Sudan; hot ashes

March 12, 2017

KEYWORDS, PHRASES: Refugees; immigrants; Gilbert Herrman; When you give alms'; Lent; Call to Continuing Conversion, Rite of Election; Charell and Jeremy Owings; adoption; Our Growing Church; Sisters of St. Joseph of Concordia; water; creation; Sudan; Darlow Lampe

Feb 26, 2017

 KEYWORDS, PHRASES: Night to shine; Immigration; immigrants; Knights of Columbus; Pete Gomez; this foreign mission; Creole; Robin Doll; Eagle Scout; Quest

Feb 12, 2017

KEYWORDS, PHRASES: Catholic Schools Week; March for Life; Pro-life; Executive Order; Secular Franciscan Order; teachers; Down Syndrome; Eagle Scout; Bronze Pelican

Jan. 29, 2017

KEYWORDS, PHRASES: Thank you, religious; SEEK 2017; homeless man to priest; Fourth Sunday; Secret Service to Sacred Heart; Dr. Gerard Brungardt; Martin Luther King; 110 year old nun; Toddler miracle; Letter from undocumented immigrant; health care; immigration

Jan. 15, 2017

KEYWORDS, PHRASES: Mary helps us share; Tighe donates home to Birthright; Pro-life billboard; Theobald Hattrup; Helen and Steve Eck; Pearl Harbor; Reigning Grace

Dec. 18, 2017

KEYWORDS: Feast of Our Lady of Guadalupe, 2016; Pope Francis Christmas schedule; 2016 high school youth rally; Aerospace engineer; Father Stanley Rother; Radio station; Dying girl's letter; Scout nominations; 12 days of Christmas

Dec. 4, 2016

KEYWORDS: Vocations Day; Pope Advent advice; Ex-prostitute; Spearville mission; Pilgrims v. Zombies; Face of God; Mission bazaar; Ness City fall festival; Rural health care; Archbishop Gomez; Bishops congratulate Trump

Nov. 20, 2016

Nov. 6, 2016

Oct. 23, 2016

Oct. 9, 2016


Sept. 25, 2016


Sept. 11, 2016

 
Aug. 7, 2016

July 10, 2016

June 12, 2016

May 29, 2016

May 8, 2016


 April 24, 2016

 April 10, 2016

 March 27, 2016

March 13, 2016

Feb. 28, 2016

 

Feb. 14, 2016


Jan. 31 , 2016

Jan. 17, 2016

Dec. 20, 2015

Dec. 6, 2015

Nov. 15, 2015

Nov. 1, 2015

Oct. 18, 2015

Oct. 4, 2015

Sept. 20, 2015

Sept. 6, 2015

August 9, 2015

July 12, 2015

Jun 14, 2015

May 17, 2015

May 3, 2015

April 19, 2015

Easter, 2015

 

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