February 21, 2012 • Page 6 shop online at www.missourivalleyshopper.com DAVE SAYS: Take Your Time With This One.... truly be more motivated. What do you think? Janine Dear Dave, My boyfriend has a lot of debt. The other day a creditor called, and he wouldn’t answer the phone. Then, he told me it would be easier for him to pay off his debts if we were married because I could act as his accountability partner. I don’t want to be the money cop, and I wonder if he would Dear Janine, Someone who isn’t making any headway in getting out of debt while they’re single probably isn’t going to do a complete turnaround just because they get married. You can act as his account- NO DOCUMENTATION FEES Brian & Jean DeGroot, Owners 802 Broadway, Yankton, SD (Never have, never will.) Buy • Sell • Trade Quatlity...USED Cars, Trucks, Campers, Boats & Consignments 665-1596 www.bridgecityautoyankton.com ability partner if you want, but you don’t have to get married to help him. In fact, dating is probably a better way to do this, because you can determine whether he’s really changing, or if he’s just trying to get you on board to help pay the bills! Don’t misunderstand, Janine. Debt, in itself, doesn’t keep someone from being marriage material. But you’re de?nitely not marriage material if you don’t work, you’re irresponsible, you haven’t taken control of your life, have no character or can’t manage your own behaviors. These kinds of people are going to stay in debt and not be able to pay their bills for the rest of their lives. I’d say date this guy a little longer, just to see if he’s serious about changing. But don’t get engaged yet, and don’t pay one penny of his bills for him! —Dave What’s In A Name? Dear Dave, My son is a sophomore at a local college, and he wants to transfer to a very prestigious university. 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APPLIANCE OFFER: Offers exclude Electrolux, Jenn-Air®, Dacor, Fisher & Paykel, ?oor care, sewing machines, countertop microwaves, water heaters, water softeners, water ?ltration, air conditioners, air cleaners, humidi?ers, dehumidi?ers, accessories, closeouts and Everyday Great Price items. Extra 5% off cannot be combined with other Sears card discounts. Excludes Sears Commercial One® accounts and Outlet Stores. Sears Home Improvement AccountSM applies on installed merchandise only. Offers good thru 2/25/12. FREE AWARD OFFER: While Award quantities last. Offer valid 2/24/12-2/25/12. Award Card valid 2/26/12-3/03/12 except in states where prohibited by law. Excludes tires, layaway transactions, and gift cards. Award Card valid on future purchases only. Limit one Award Card per purchase. Qualifying online purchases will receive an eGift Card via email, no later than 3/09/12. In the event of a return of original qualifying merchandise, Award Card amount will be deducted from any refund amount. See store for details. JA#203C008_301 dent loan debt, and that’s with us picking up half of the cost. What do you think I should tell him? Will Dear Will, I’d have a hard time telling anybody that one school is $100,000 more valuable than another one. The fact is unless he has $100,000 lying around somewhere, he shouldn’t go to that other school for one very simple reason – he can’t afford it! We hire people every week at my company, and where they attended college is a very minor deal. There will always be a few corporate types out there who play games and try to turn the of?ce into some kind of snooty country club, but the fact is most employers don’t care where you went to college. Dave RAMSEY It’s what you learn and being able to use that knowledge in the marketplace that’s really valuable, Will. Knowledge is king, and we live in a knowledgebased economy. If you can’t retain and apply what they’re teaching, then the only thing more worthless than a college degree is a college pedigree! —Dave * For more ?nancial help, please visit daveramsey.com.