February 19, 2019 • Page 2 Dave Says shop online at www.missourivalleyshopper.com A Timeout Zero Percent Interest? Dear Dave, I know you’re against financing purchases. However, is it okay to finance things like furniture at zero percent interest? Detrick Dear Detrick, We just finished an extensive study of more than 10,000 millionaires. Not a single one of these folks said they became rich by borrowing money to buy things at zero percent interest. Since none Dave of those millionaires gave credit for their wealth to zero percent interest financing, and since we know banks charge interest on loans, how is it you think these people are loaning money at “zero percent interest?” Is it possible the pricing of the item has the interest rate built into it? I think the chances of that are pretty high. If not that, companies offering this kind of financing have very accurate and highly researched data that tells them the vast majority of people who take out zero-percent loans don’t pay off the loans in the specified period of time. Do you know what happens if you don’t live up to the terms of those contracts? It becomes a regular loan, and they back charge you for the interest. So, on average you’re paying for it all. I don’t know why you’d want to play with snakes, Detrick. Snakes bite, and some of them can kill you. Avoid debt like the plague. It destroys your most powerful wealth-building tool—your income. —Dave RAMSEY “Well,” said Steve, polishing off the last of his coffee, “what should we discuss this fine morning?” “I’m awful glad you asked, ol’ pard,” came the cheerful voice of Windy Wilson, emerging through the swinging doors that came from the kitchen of the Mule Barn truck stop. “Yessir. Awful glad.” Steve and the other members of the world dilemma think tank looked in amazement as this old camp cook and cowboy came over with the coffee pot and topped off their coffee mugs. Windy had found a dish towel and wrapped it around his waist, too. “Windy?” said Doc. “Mighty fine-looking dish towel you’re wearing.” “Thanks, Doc. I cornsider it the aplex of dining room fashion for a volunteer coffee guy. Took me a while to talk Loretta into lettin’ me wear it, howsomever. I guess she ain’t up on dining room fashions.” “Let me guess,” said Doc. “This must be your helping day, right?” “Right as grain, Doc,” Windy said, cheerfully. “I thought about it and decisioned I’d devote my helpin’ day to the good ol’ Mule Barn.” We all knew Windy dedicated one day each week to helping others. This sometimes meant helping them when they really didn’t need it, but hey, the older folks in our town get some trash picked up in By Daris Howard My wife, Donna, and I were out buying items for our children and grandchildren when we ran into an old friend in the Valentine aisle at the store. Mike, a very good man, had Dear Dave, taught many of our children in school. I’ve listened to you for a little while, but I was wondering He smiled when he saw us and asked “So how many chilabout the envelope system you recommend. How does it dren do you have left at home?” work? “Two,” I replied. “All the others are off to college or marDanielle ried. How about you?” “Oh, my wife and I have been empty nesters for a few Dear Danielle, Don’t let the word “system” intimidate you. It’s just grand- years,” he replied. I knew that he had around six children, so I said, “I bet it ma’s old-fashioned, common sense way of budgeting money. seems quiet around your house with all of the children gone.” Back in the day, many people were paid in cash at their He shrugged slightly. “I guess it is. I kind of like it. In fact, jobs. Then, they would take the money home and divide it up I must have gotten used to it, because every time the grandinto different envelopes. The envelopes held cash for different categories in their budgets—food, clothes, rent, and other children come to visit, I about go crazy from the noise.” bills and such. When a particular envelope was empty they “How many grandchildren do you have?” Donna asked. stopped buying that item, because the money budgeted for “Fourteen. But the problem is, they are all under five. All that category was gone. If you wanted a dress, but the clothof my children got married within a couple of years of each ing envelope was empty, you didn’t buy a dress that month. other and started having children at the same time.” It’s just a simple cash system that, combined with doing a “Wow!” I said. “Fourteen under five!” written monthly budget, will help keep you from overspend“I bet there’s a lot of pandemonium in your house when ing! they’re all home,” Donna said. —Dave “That’s kind of an understatement,” Mike replied. “In one of Daris’s plays, a little girl calls family pandemo* Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven nium ‘happy noise,’ “ Donna said. “Well, we have all fourteen at our house right now,” Mike best-selling books, including The Total Money Makeover. The said, “and I think we have so much happy noise that I am Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. about to check myself into a mental institution.” Follow Dave on Twitter at @DaveRamsey and on the web at “So what does your wife think about it?” Donna asked. daveramsey.com. “She loves to have them all home, and I swear that with her, the more noise, the better. And when I start to get tense, she tells me it’s time for me to take a timeout.” “A timeout?” Donna asked. “Yes,” Mike replied. “She’ll say, ‘Mike, don’t you have papers to grade or something?’ Then I know that she’s telling me to take a timeout.” “How does that work for you?” Donna asked. “It actually works well. I leave all of the noise behind and find something else to do until I am not so keyed up that I can once again deal with the commotion.” I had to smile at the idea of Mike having to have a timeout. He was one of our children’s favorite junior high teachers. He the yard and some kindling taught science, and the children often did experiments in his split. You know. class. But when a child got out of hand, Mike would have that “So fer a conservational child take a “time out.” That meant they were supposed to subject this sparklin’ a.m.,” go do something away from the experiment that the other Windy said, “I believe I’d students were doing. The rambunctious student was allowed meanderate through the to read, draw, or do anything that was quiet. It just had to be mystericals of ancient hissomething to give the child a little time alone to get themtory, beginnin’ with them selves back together before joining the others again. The Egypt guys. Whadda ya idea that what he used as a teacher for students was being think?” used by his wife for him was what made me smile. Perhaps “Might just do that, that was the reason he used it. Windy,” said Steve. “But if “So what are all of your grandchildren doing at home you don’t mind me askright now?” Donna asked. ing, why are you helping “I’m not sure.” Mike said. “They were being really noisy out with the coffee in here when I left.” rather than cleaning up I laughed. “Let me guess. You’re in a timeout right now?” somebody’s yard.” Mike nodded. “You’ve got it. So I thought I would make Windy looked around to use of it to buy my grandchildren some Valentine candy. Besee if the other 43 people cause, even if I need to take a timeout from them, I still want in the café could hear, then them to know I love them.” leaned down toward Steve. I nodded. 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