December 10, 2013 • Page 3 shop online at www.missourivalleyshopper.com Dave Says Slow Down On Mortgage Acceleration BY DAVE RAMSEY Dear Dave, Should I pay a nominal fee to be enrolled in a mortgage accelerator program? — Jennifer Dear Jennifer, No, you should not. Mortgage accelerator programs are similar to the biweekly mortgage deals floating Dave around out there. Paying on your mortgage biweekly is fine. Paying for the privilege is not. In the biweekly mortgage program, you make a halfpayment every two weeks. By doing this you will pay off the typical 30-year note in about 22 years. It works because there are 26 twoweek periods in a year, and 26 half-payments equals 13 whole payments. It pays off your mortgage early because you’re making an extra payment every year. That’s what’s doing it. There’s nothing magical about every two weeks; it’s the fact that you’re paying extra principal. Instead of paying your mortgage company an unnecessary “nominal fee,” just make an extra payment each year. Or, pay onetwelfth of a payment as a principal reduction with a separate check, in a separate envelope, every month. By doing that, you’ll pay off the loan just as quickly as with a biweekly arrangement. If you’re just now taking out a mortgage and your lender can do a biweekly setup at no cost, then that’s great. Take them up on the offer. But we’re not going to pay them an additional fee so you can make extra payments on the principal. That’s just stupid! — Dave RAMSEY Call Classi?eds GIVING BEYOND TITHING Dear Dave, My husband and I tithe, but right now we’re on Baby Step 2 of your plan and we’re expecting a child in a few months. Since we’re trying to pay off all our debt except for our home, what should we do about giving beyond our tithe in this situation? — Carrie Dear Carrie, Evangelical Christians recognize two types of giving in the Bible-tithes and offerings. The tithe is off the top, before you do anything else. That’s why I recommend people put it on the top line of their budget forms. After that, offerings are almost impossible to find in Scripture until you’ve first taken care of your family. The normative method found is that offerings are to be taken out of your surplus. In my mind, while your family is in debt and you’re busy taking care of your household, there is no surplus. Just because something tugs at your heartstrings or someone spews out a toxic sermon on giving doesn’t mean that you need to give offerings above your tithe. But here’s the good news. Once you’ve paid off your debt and have a fully loaded emergency fund in place, you’ll have the rest of your lives to open up and give like never before. Getting out of debt means you will gain control of your most powerful wealth-building tool-your income. And when that happens, you can give with extraordinary levels of generosity. There are three things you can do with money-spend, save and give. And when you reach a point where you can give well, it’s the most fun you’ll ever have with money! — Dave Got a question? Need a mug shot? Too many deer in your area? Just holler. Slim Randles Home Country 7308 Painted Pony Trail NW Albuquerque, NM 87120 (505) 306-6009 homecountry8@gmail.com www.slimrandles.com ied to see wooden street signs nailed to trees wherever two of these old logging trails came together. “Oh no,” I said, out loud. “What’s the matter?” Bob asked. “I see you’re planning a subdivision here.” Bob started laughing when I pointed at the signs. “Those are for the owners,” he explained. “They live Back East and visit here one weekend a year. When they get out here, they take the pickup and drive around and get lost. “Once I got a call on the cell phone from the owner, who said he was lost and couldn’t find his way back to the house. 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