January 7, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Instilling ‘Model’ Behavior BY DAVE RAMSEY Dear Dave, I live in Los Angeles, and my daughter makes $3,000 to $5,000 a month modeling. I don’t want her to become spoiled by this job and the income, and I Dave need advice on what to do with the money. Should it be put aside for a car, and do you think she should have to pay for something like that herself? — Lisa Dear Lisa, So how do we keep a highincome, high-profile job from ruining this little girl? I think a lot of it has to do with her interaction with you, and how you gently mold her work ethic and attitude. Don’t let her become a diva. She’s not there to be fawned over or placed on a pedestal. She’s there to serve. That means working RAMSEY NO DOCUMENTATION FEES Brian & Jean DeGroot, Owners 802 Broadway, Yankton, SD (Never have, never will.) Buy • Sell • Trade hard and doing the best she can. That’s her job whether she’s flipping burgers or making $5,000 a month modeling. The money’s nice, but what we’re really doing is making sure she learns some important life lessons. And you’re still being a parent, not a friend or peer, through every moment. When it comes to the money, you guys should sit down and discuss some goals for the future. I think it’s important that any car purchase be reasonable, because the best thing a kid this age could do with that kind of money is save up for college. Even if she goes to school on a full scholarship, she should be driving something low-key. Just because she gets a free ride in college doesn’t mean she gets Quatlity...USED Cars, Trucks, Campers, Boats & Consignments to cruise the streets in a Lamborghini. Set the rest of it aside for when life really begins-after college. As her mom, it’s very important that you teach her these lessons now. It’s essential, too, that you don’t surrender the position of parent, teacher and leader. Chances are when this young lady is 34, no one will give a flip that she modeled for a while as a teenager. The most important things here are the lessons taught and learned, not the money. — Dave GARNISHING WHILE PAYING Dear Dave, My husband and I have about $60,000 in federally insured student loans. Can our wages be garnished if we’re paying less than the actual payment amount? If so, how far behind do we have to be for that to happen? — Jennifer Dear Jennifer, To the best of my knowledge there’s no set formula for making this determination. In counseling people, we find some folks who are two years behind making payments before anything is done, while others are flagged at just a couple of months. In reality, they can garnish you immediately if you’re paying less than the agreed-upon amount. But in most cases they won’t mess with you as long as there’s reasonable activity on the account. 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It’s a lot like the IRS in that they don’t have to sue you in order to take your wages. Congress gave them that power because it’s a federally insured loan. And in my mind, that’s way too much power. If you’re having trouble making your payments, don’t just throw up your hands and default. Talk to them about a deferral, and keep sending them whatever you can. It’s always better to be proactive than reactive in situations like these. Let them know you want to make good on your obligation, and ask what you can do to make this happen under terms you can afford. Good luck, Jennifer! — Dave was a skin-scratcher, no doubt about it. But that just made things more mysterious because Steve didn’t touch his gray beard when he scratched. He had mysteriously become clean shaven. And something was different about Snort. Any cowboy can tell his own horse in the pitch dark, just by the way he feels when he walks or trots. And this wasn’t Snort. He reined the horse into the early morning light to look at his head. Why … it’s Jimmy! But that can’t be. Jimmy was his horse in the early days of roping in rodeos. He’d buried Jimmy forty years ago. But there he was. Steve reached forward to pat Jimmy on the neck and he realized he didn’t have the pains in his back or shoulders any more, either. Well, he reined Jimmy to a stop and looked around. They were going up the mountain, but it wasn’t the same mountain with the cabin. It was the mountain behind the home place back in Montana. And the light came up gradually, and Steve sat and smiled and didn’t know what was happening, and didn’t care. This might be … No. Of course not. Then he woke up, groaned, and pulled on his boots. Time for breakfast. But somehow he had to smile, too. You know, that wasn’t a bad deal. Not a bad deal at all. ----------Tired of repeating everything? Get Dad a free hearing test. It’s a gift that keeps giving every day. Beltone. 1866-867-8700. 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