February 25, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Getting Them To Stop BY DAVE RAMSEY The subject was love, of course, with Valentine’s Day upon us, and that’s why the grizzled and semi-grizzled members of the world dilemma think tank had settled upon it. Well, to be fair, they agreed to talk about someone else’s love life, naturally. The problem – the romantic mystery – was Sarah McKinley. It started small, with just a few people wondering why this attractive woman was – still or again (no one knew which) – single. In a valley where being single is looked upon as a sin of omission, all those inquiring minds wanted to know. And then, about six months after Sarah opened the Read It Now Bookstore, she threw everlasting gasoline on the fire by hanging the now-famous sign on a long bookshelf, saying “Love and other Fiction.” This spurred on speculation (none dare call it gossip) about an unhappy love affair in Sarah’s past. The most interesting speculations centered around either 1. Losing a lover in a foreign war, 2. Secretly lusting after an actor on afternoon television’s “As the Worm Squirms,” and 3. Being left at the altar by a scoundrel. Naturally, no one came right out and asked her, as that would be … pushy? Rude? Nobody’s business? The “girls” down at the Curl Up ‘N Dye beauty salon couldn’t get the job done, so the world dilemma think tank decided to do the manly thing and confront her. The four-man coffee’d-up deputation walked into the store en masse and Doc had been assigned the role of Grand Inquisitor, since he pried into people’s private lives as part of his official duties. “Hi guys,” Sarah said, smiling. “What can I do for you?” “Sarah,” Doc said, “we’d like to know … you know … so we can put an end to all the speculation.” “Know what, Doc?” “Well, why do you have that sign up there. ‘Love and Other Fiction.’ You know. Is it something in your past? Did you have an unhappy love affair?” “You certainly come right out with it, don’t you, Doc? Well … it’s like this. I needed a sign up there and I painted that one and put it up. That’s why. As for any unhappy love affairs I may have had, how many women had you consorted with before you met Mrs. Doc? How about you, Herb? Dud? Marvin? Let’s get it all out on the board and talk about it.” Ten minutes later, the guys ordered fresh coffee back at the philosophy counter. “I never thought Sarah would be like that,” Herb said. “Yeah,” said Doc. “Kinda nosy, isn’t she?” “Some things are just … personal, Doc,” said Dud. Marvin just quietly smiled and put sugar in his coffee. -----------Being hard of hearing takes all the fun out of gossip. For a free test, call Beltone 1-866867-8700. 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My wife continues to sign up for these, and now we have $40,000 in credit card debt. — Dan Dave Dear Dan, Chances are you’ll never get credit card companies to stop sending stuff, but there a few things you can do that might help slow things down. Access your credit bureau report, and opt out of marketing offers. You can also freeze your credit report, and send direct requests to the credit card companies to take you off their mailing lists. I’ve been telling people not to use credit cards for 20 years and, believe it or not, even I get offers in the mail. The more mailing lists you get on, the more your mailbox will fill up with junk mail. If you have magazine subscriptions and things like that, your contact information is circulating all over the place. The next thing I’m going to say may sound cruel, but I really don’t mean it that way. You don’t have a junk mail problem, Dan. You have a relationship problem. You two are not on the same page about money. Either she doesn’t feel like you two have enough money, and she’s resorting to credit cards for this reason, or she does this because she’s a spoiled brat who thinks she should always have what she wants when she wants it. Her behavior is destroying your financial lives and driving a wedge between you. My advice would be to sit down and have a gentle, loving talk with her about all this. Try to find out why she feels the need to have all these credit cards, and explain that you’re worried about what it’s doing to your marriage and your finances. That may mean having to spend some time with a marriage counselor, but that’s okay, too. There’s no reason to be ashamed of something like that. The truth is, most of us who have been married more than 20 minutes could use a little help in that area of our lives! — Dave BALANCE TRANSFERS DON’T DO MUCH Dear Dave, I’m trying to pay off my credit card and get out of debt. Do you think I should transfer the balance to one with a lower interest rate while I do this? — Kelsey Dear Kelsey, I’m not against this idea, as long as you understand that you’re not really accomplishing much. All you’re doing is moving money around, and maybe saving a tiny bit on interest. If you were planning on keeping the debt around for 30 years it would become a big deal. But if you’re talking about a few months, just until you get it paid off, it’s not that much money. The problem with balance transfers is that you feel like you took a big step forward when you really didn’t. Lots of times this causes people to lose focus on other things they can do to get out of debt, like picking up an extra job or selling a bunch a crap they don’t want or need. That kind of stuff, along with living on rice and beans and a strict written budget, is 98 percent of the battle when it comes to getting out of debt! — Dave * Dave Ramsey is America’s trusted voice on money and business. He’s authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Call Classi?eds 665-5884 Let us do all the work! Sundays are very Special at JoDeans! Open 10:30AM to 9:00PM RESTAURANT All Major Credit Cards Accepted Visit us At Our Web Site www.jodeans.com or email us at jodeans.iw.net 2809 Broadway Ave., Yankton, SD 605-665-9884 Open To The Public Pancake ast Breakf Pancakes, French Toast, Eggs, Bacon, Sausage, or Biscuits & Gravy 6.00 All You Can Eat $ Children 4-10 $3.00 • Under 3 free Sunday, Mar. 2ND • 8-12:30 VFW Post 791 209 Cedar, Yankton • 665-3562 All Day, Every Day... 99 ¢ Kids Meals! Be sure to visit our website, frynpan.net, and sign up for our Kids 12 and under. VIP Club. 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