March 6, 2018 • Page 2 shop online at www.missourivalleyshopper.com What Students Learned In Math Class 2018 Dave Says Don’t Let It Hang Around! By Daris Howard Better Late Than Never Dear Dave, Dear Dave, I have $100,000 in student loan debt. Dear Dave, Since the amount is so large, is there a I have a credit card that I haven’t made a payment on in almost special place in your Baby Steps plan two years. The debt has been sold a couple of times, and now a for it? collector is saying I owe $1,200. The original amount was $500. I’d Julie like to work something out, but I can’t afford $1,200. What should I do? Dear Julie, Luanne The fact that it’s a large amount of student loan debt doesn’t change anything. Baby Step 2 is where you pay Dear Luanne, They’re asking for $1,200 because they’ve added things like interoff all debt except for your home. I hope you have a nice, large income est and late fees. They want to make as much money as possible with which to fight that big, nasty pile on an old debt they bought for pennies on the dollar. Dave of student loan debt. Believe it or not, I’ve If you can afford $500 right now, ask if they’ll accept a one-time seen even worse situations. I’ve talked to payment to settle the account. Get it in writing if they accept the people who went $200,000 into debt for a offer, and don’t give them a penny until after you get a copy of the four-year degree in a field where they’ll written agreement. Once you have the agreement in hand, send make $50,000. That kind of thinking and behavior is ridiculous, them a money order or cashier’s check for $500. Do not, under any circumstances, give them electronic access to your bank acbut it’s out there. Whatever you do, don’t let this student loan debt hang around counts. for years and years. You’ve got to get focused and intense about You waited too long to take of your obligation, Luanne. That getting control of your money. That means living on a strict, ba- made things more difficult and more stressful than necessary. I’m sics-only monthly budget. After that, start throwing every nickel glad you decided to do the right thing, and clean up your mess, and dime you can scrape together and save toward those student though. Better late than never! loans as fast as possible. — Dave Your income is your largest wealth-building tool, Julie. You can’t save, and plan for the future, when all your money is flying out the * Dave Ramsey is America’s trusted voice on money and busidoor to pay back debt! ness, and CEO of Ramsey Solutions. He has authored seven best— Dave RAMSEY MV Shopper CLASSIFIEDS M I S S O U R I VA L L E Y IN PRINT & ONLINE To place your ad call... 605.665.5884 ning & Di ment ertain Ent selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. 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Matching Funds Event Up To $1,500 Over the years, we have found that one of the students’ greatest criticisms of any math class is their claim that they didn’t learn anything. Therefore, as part of their final, I have the students list ten things that they have learned. These items can be anything at all in relation to the class. They are allowed to write their list ahead of time and bring it to the final if they want. Most observations are quite normal, but some make for interesting reading. Each year I list some of them, and here is this year’s list. I haven’t shared any for a while, so I thought it was about time again. 1) I learned that I really don’t want to be a math major like I thought I did. 2) Math for the real world makes me afraid to go out into the real world. 3) I learned that my backpack is way too big to be practical. 4) I learned a lot more about taxes. I will still have my dad do them since he is an accountant, but I learned what he is doing when he does them. 5) I learned that in math, the calculator is man’s best friend, not a dog. 6) Just being smart doesn’t always help you in every class. Sometimes you have to work. 7) I learned that no one in my apartment knows how to help me with math. 8) I learned that I am glad I am majoring in business. 9) I learned that taxes are complicated, so I am glad my fiancé is an accountant. 10) I learned that college math requires you to actually think. 11) I learned we work better in our group if someone actually knows what they are doing. 12) I learned that I am stressed over everything when I procrastinate. 13) I learned how big of an ego the kid next to me has. He thinks he is top of the world. 14) I learned that Professor Howard is pretty cool about having people over to his house to milk his cow. 15) I learned that six girls living in an apartment creates a lot of tension and makes it hard to think in class. 16) I learned that girls need lots of compliments or they can become angry cavewomen. (Written by a boy.) 17) If you pay attention, you will find out that Professor Howard actually has an awesome sense of humor. But a lot of people never know it. 18) It is hard to do all of your homework for an entire chapter the day before the test. 19) If you do your homework before the test instead of after, it helps your grade... A LOT! 20) Sleep during the night and stay awake in class, you’d be surprised by what your teacher covers. 21) This semester I learned that I really hate when people waste my time, especially when they act like they know what they are doing when in reality they don’t. (This is talking about tutors, not you, Professor Howard) 22) I learned that when a girl says hi to you when the two of you walk past each other, and then she turns around to say hi again, she is really saying that she wants you to get her number. 23) I learned that Professor Howard was a collegiate athlete. I saw his picture in an old yearbook. Who would have guessed? He sure doesn’t look like it now. YOUR RADIATOR HEADQUARTERS! • Great Parts • Great Warranty On-Hand & In-Stock! NO WAITING! Cox Auto The guys were outside at the sale barn, sipping coffee in Styrofoam cups and waiting for someone to say something. 605•665•4494 Inside, the pitch of the auctioneer was heralding the glories of an old spavined milk cow, and fevered cattlemen were waving cards with numbers on them. It was quieter outside. Finally, it was Herb who Miller Lite $ spoke. “You guys ever burn 16 Oz., 6 Pk. Cans the toast and then scrape Coors & Coors Light $ it?” 16 Oz., 6 Pk. Cans Captain Morgan Toast, huh? 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