November 5, 2019 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Teaching the value of work…and money Dear Dave, Is it okay to give very young children an allowance? Christie As Safe As a Neighborhood Bank? Supercharged Halloween By Daris Howard Though Lenny had won the last round with his uncle the previous Halloween, when he asked me if I wanted Dear Dave, Dear Christie, What are your thoughts about online banks? Are they to be in on his next prank, I declined. From my record of the pranks over the years, his uncle had more wins than Teaching kids there’s an as safe as traditional, neighborhood banks? Lenny did. But Lenny knew he could count on Butch and emotional connection between Jeanna Buster, and, true to form, they agreed to join him. Their work and money is one of the best success with the cat was still fresh on their minds, and things you can do as a parent. Dear Jeanna, they hoped to add to it. Once your kids are old enough to Sure, if they’re guaranteed by the Federal Deposit “What do you have in mind this year?” Butch asked. do a few simple chores around the Insurance Corporation. The FDIC is one of two agencies “Well,” Lenny said with a sly smile, “I just happen to Dave house, they’re old enough to earn that provide deposit insurance to customers in America’s know that Uncle has an electric fence charger in his barn, a little money doing them. depository institutions. The other is the National Credit In my mind, there’s absolutely Union Administration, or NCUA, which insures and regu- along with some fence wire. My mom sent me to get milk from him down at his dairy barn, and I decided to do nothing wrong with putting kids who are three or four lates credit unions. some scouting around for an idea while he was busy milkon a basic commission system. If they do the jobs you If you’re seriously considering using an online bank, ing. That’s when I saw it. I hadn’t ever seen it before, so I assign them, they get paid. If they don’t do the jobs, they there are a few things I’d advise checking out before don’t get paid. We put a little dry-erase board on the making the move. Look into the bank’s track record, and checked the old charger just to make sure it worked.” “Did you touch it?” Buster asked. refrigerator, and listed the jobs they had to do during the see how long it has been open. Also, if the bank you’re “Do I look daft to you?” Lenny said. “I put on some week with a dollar amount next to each one. considering doesn’t have a name-brand you recognize, thick gloves and plugged in the fence charger. Then I spat Keep in mind, kids shouldn’t get paid for every little find out the amount of its deposits. on a piece of hay and touched it across the two poles of thing they do around the house. Some jobs are just a Online banks don’t worry me today like they did the charger. The hay lit up like a Fourth-of-July sparkler.” necessary component of being part of a family. And there 10 years ago. And almost everyone does some form of “Won’t he miss it if we steal it?” Butch asked. are some things kids should do simply because mom online banking now, anyway. If the bank in question has “We ain’t going to steal it,” Lenny said. “We’re just goor dad asked them to. Some jobs should have a higher a good reputation, and sufficient deposits to have some ing to borrow it for the night, and it won’t even leave his purpose in mind, too, because as a parent, you should strength in its FDIC guarantee, I wouldn’t worry about it. property. We’ll just string wire quietly around the wood want to find as many teachable moments for your kids as —Dave fence by his house. Then, when it’s all set, we’ll make lots possible. of noise. When he comes running out, he’ll run right into Once they’ve earned their money, sit down with them * Dave Ramsey is America’s trusted voice on money and it, and we’ll get a good laugh when the jolt knocks him on and divide it into three separate envelopes—saving, business, and CEO of Ramsey Solutions. He has authored seven his backside. The fun part will be that it’s his own fencing spending, and giving. That way, they get to learn about best-selling books, including The Total Money Makeover. The material.” the uses for money while they’re learning how to work! Dave Ramsey Show is heard by more than 12 million listeners Lenny knew he couldn’t nail the insulators onto the —Dave each week on 575 radio stations and multiple digital platforms. posts or his uncle would hear, so he had to figure out how Follow Dave on Twitter at @DaveRamsey and on the web at he could attach them quietly. He decided he could put a daveramsey.com. wrap of electrical tape around the wire on top of the posts and then tape it down. Besides, it only had to last long enough for his uncle to touch it. Halloween night finally came, and the three boys, dressed in black and carrying rolls of electric tape, made their way stealthily across Lenny’s uncle’s yard. They were almost to the barn door when Lenny, who was leading the way, slipped and fell. “Confounded ice!” Lenny said in a loud whisper. “I don’t remember there ever being ice here before.” “Must have come off the barn,” Butch said. “The barn roof slants the other way,” Lenny said. “I bet my uncle put it here, hoping to stop us from pranking To look at Herb Collins, you heart trouble is rare for the age the doorbell. Once that doorbell him.” Lenny tried to stand but slipped again. Butch and Bustwouldn’t think he was like that. A group who go trick or treating, rings, they know, it’s all over but er tried to help, and they, too, went down. nicer, kinder guy you never met. because Herb’s yard is a veritable the candy. “He can’t stop us that easily,” Lenny said. “Let’s work But for one evening each year booby trap of pouncing ghosts, Ah, the candy! As if to make up together.” … one little slice of time … he’s swooping bats that swing out for all the screaming and terror, Holding on to each other’s wrists, they formed a tripod downright diabolical. of the trees, loud sound effects Herb gives out dollar candy bars. and were able to stand. Then, still holding each other’s Every small town has one, of as witches pop straight out of Some kids have been known to wrists, they made their way the last few feet to the door. course. There is always that one the lawn in front of children and carry them around for several Lenny reached out and grabbed the doorknob. When he person who takes Halloween to cackle, and porch-side demons days to show off before eating did, all three of them felt a charge surge through them as its extremes of horror and fan- that shriek and leap just as the them. their hair stood on end. They all screamed, slipped, and tasy. We have Herb. kid reaches what he considers “It gives the little guys some- fell. The house light came on, and the three boys started Everyone knows about his the safety of Herb’s front porch. thing to shoot for,” Herb says, to scramble. In their hurry and confusion, they slipped penchant for decoration. Ever It’s a running of the gauntlet laughing. “And the big guys get and fell multiple times, often on top of each other. Eventusince he retired, his yard and that only the bravest of the brave a different dose of demons every ally, they were able to crawl off the ice and run away. house has celebrated every holi- attempt. Herb says he hasn’t had year so they aren’t sure what to At church on Sunday, the three of them were scratched day from Christmas to Amelia a four-year-old make it to the expect.” and bruised. Lenny told me the story. Earhart’s wedding anniversary front door yet. But for the older And Herb? “Weren’t you wearing gloves?” I asked. “You shouldn’t with great festoonation and an kids, this is an annual challenge, Well, he says, “I just have a lot have gotten shocked through gloves.” increase in the electrical bill from and one by one they leave the of fun.” “A person can’t wrap electrical tape with gloves on,” Lenny said defensively. all the lights. safety of the sidewalk to do a broAbout then, Lenny’s uncle came up, smiling. “You know, But on Halloween, Herb goes ken-field run, often with screammy cows seem to miraculously get out on Halloween, so plumb nuts. 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