February 12, 2019 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Let Children In Debt Take Care Of The Payments BY DAVE RAMSEY Dear Dave, My daughter is in college, and I’ve always warned her to stay away from credit cards. Recently, I learned she got a department store credit card despite my advice. She has stayed within her credit limit, but she has never made any of the payments. At this point, she owes about $3,500. She’s a good student, and I want to look at this as a young person’s mistake. Should I pay it off for her this one time? — Joseph opportunity to provide her with a real world, teachable moment. I understand Dave you wanting to help her out “this one time.” It means you have a good heart, and that you care about your daughter and love her. There’s a reality here, though, I hope you won’t overlook. It’s her debt, not yours. She knew what she was doing when she signed up for that credit card. She knew what it meant, what was expected, and she is the one who should have to make good on the repayment. The entire deal is legal and fair. At this point, my advice RAMSEY By Daris Howard Refried Beans My daughter, Celese, worked at a taco establishment. One of the things that annoyed her most was when boys came in and flirted in a crude way. Unfortunately, just such a group of boys had started coming in every evening and stayed until closing. The girls working there were getting fed up is to put your arm around with the boys’ sexist attiher, talk to her, and lovingly explain where she went tudes. One evening just before wrong and why it was a bad the dinner rush, Celese, who idea. You can even help her was shift manager, made a find a part-time job if she frightening discovery. They doesn’t have one right now, had run out of refried beans. so she can pay off her debt The workers checked everyand get out of this mess. where to see if there were But leave the payments to more. Many of the restaurant her. My guess is by the time she finishes working her tail foods were quite impossible to make without them. Finaloff to pay this debt she will ly, Celese called the restauhave learned a lesson she’ll remember for the rest of her rant owner who didn’t like being bothered at home. life! —Dave When she told him the ——— problem, he sighed. “I know Dave Ramsey is CEO of we’re out. We went through Ramsey Solutions. He has more than usual, and the authored seven best-selling shipment doesn’t come in books, including The Total until tomorrow.” Money Makeover. The Dave “What should we do?” Ramsey Show is heard by Celese asked. more than 14 million listen“Do two things,” the ers each week on 600 radio owner replied. “To try and stations and multiple digital platforms. Follow Dave on the get people to buy chicken instead, put all chicken items web at daveramsey.com and at twenty-five percent off. on Twitter at @DaveRamsey. If people still order bean items, you will have to use the instant refried beans. There are some twenty-fivepound bags in the southwest corner of the storage room. They aren’t nearly as good, and they are quite old, so we ought to get rid of them, anyway. Heap them on to make www.missourivalleyshopper.com Dear Joseph, You’re right, this is a typical young person’s mistake. Like a lot of mistakes our kids make, it’s one that’s bad and wonderful at the same time. It’s bad because, if she had just listened to dear old dad, she would’ve avoided a mess. 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This is a FREE app so download today!! the customers feel like they are getting a good measure.” Celese hung up the phone and told her coworkers what they needed to do. “Instant?” Sheila said. “Those things taste okay, but they give a person more gas than a tanker truck, along with the runs if you eat too many.” “Well, we don’t have much choice,” Celese said. Celese retrieved one of the bags of instant refried beans and read the instructions. It said, “Soak beans for fifteen minutes before heating.” She set a five-gallon bowl of them soaking, and it was just in time, because the dinner rush was starting. Most people ordered the on-sale chicken items, but a few ordered bean foods. They were just getting through the dinner rush when, right on schedule, the annoying boys came in. The boys started in with their crude remarks, thinking they were flirty and funny. The girl working at the counter was new and was almost in tears when she came to get Celese. “Some boys are asking for the manager,” she said. Celese knew who it must be, and she sighed and went to the front. “Hey, hot Babe Manager,” the lead boy said. “We know you love us and thought you might have some free food you wanted to give us.” Celese thought to herself that there was something free she wanted to give them as she doubled up her fists. Then Sheila pulled Celese aside. “Why don’t you give them some bean burritos?” “But they are instant and you said they give a person gas and the. . . “ Celese stopped as Sheila grinned and nodded. Celese realized what Sheila was saying. Celese stepped back to the counter and smiled at the boy. “You are in luck. Because you are our most constant customers, tonight you get all of the bean burritos you can eat for free.” “For free?” the boy said. “You must really love us, Blondie.” “If you only knew how much,” Celese mumbled under her breath. She got her crew busy hydrating beans and making bean burritos. During the evening, Celese figured each boy ate about a dozen. But then, they suddenly started looking very uncomfortable. Eventually, from one boy exploded a sound that made everyone stare and filled the restaurant with a smell that resembled that coming from an open tear gas canister. Soon the boys were rushing to the bathroom. They left immediately after, which was good, because the smell had pretty much cleared the restaurant of paying customers and needed to be aired out. However, the best part was that it was about a week before the much more humble boys came back. But still, Sheila hid the last bag of instant refried beans away just in case they were needed again. The Bookworm ... For Young Readers ‘Given From The Heart’ Is A Real Treasure shack and there never seemed to be enough money. The final blow came BY TERRI SCHLICHENMEYER when James Oh, how you love opening Otis’s dog ran off. presents! Mama You love the surprise, first of all. What did you get? You liked to won’t find out until you rip off point out the paper and just the sound of that they that is exciting. Maybe there’s had each a box next, or plastic to open, other. They or there’s simply a gift for you had God, and they had small holidays to enjoy. Getting presents is awesome and such, but James Otis but in the new book “What is knew it had been a struggle. Then one day near ValenGiven from the Heart” by Patricia C. McKissack, illustrated tine’s Day, he and Mama were by April Harrison, it’s doubly in church when Reverend special when you have nothing Dennis made a special announcement. As always, the to give in return. church was giving to the Mama always seemed so needy that spring but Mrs. sad. Temple and her 7-year-old James Otis did what he could, but it was “a rough few daughter, Sarah, had been victims of a fire and they months.” Nearly a year ago, Daddy fell asleep one day and needed a special “love box.” The Temples had lost didn’t wake up; after that, the everything, and on the way farm was repossessed and Mama had to move herself and home that day, Mama said she wanted to help. She James Otis to a tumbledown “What is Given from the Heart” by Patricia C. McKissack, illustrated by April Harrison; © 2019, Schwartz & Wade Books; 40 pages ——— Entertainment Tyndall Fire Department BINGO NIGHT February 16th • 7:30PM Tyndall Auditorium (2) Hard Cards $20 (each additional $10) Soft Cards $1 each during game Lunch Served Afterwards with Drinks Available Sweetheart nce Da l ica HaMl Ut 5 • 8P th b. 1 Friday, Felly Buckmoore i B “Busted” e “Z-men” ic) And Th try Western Mus sed Coun (New & U e Door arge At Th Ch $5 Cover wanted to find something nice to give to the Temples, but James Otis had no idea what that might be. Mama reminded him of Reverend Dennis’s words: “Remember, what is given from the heart touches the heart.” And so James Otis began to think. His crayons were broken. Sarah probably wouldn’t appreciate an old toy truck. His whistle had spit all over it. His favorite old puzzle was missing two pieces. What would a little girl like? Better question: how can you give anything when you have nothing yourself? “What is Given from the Heart” is a book that seriously needs to come with its own choir, one that would softly sing, just when you get about halfway through reading it. Yes, this story is just that wonderful. It’s OK if you don’t have access to tenors and sopranos, though. Your child will get the message all the same because author Patricia C. McKissack tells a tale that shows loud and clear how giving has its own rewards and riches. Even kids who turn into Gimme Monsters will see it — in part, because of McKissack’s quiet, loving text and in part, because of the collage-like illustrations by April Harrison. Rounding it off, the uplifting ending couldn’t be more heartwarming. This is a book that’s perfect for soft-hearted kids ages 4-8, but materialistic older kids might need to hear it once or twice, too. For them, or any generous child, “What is Given from the Heart” could make a great present. 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