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Tuesday, April 14, 2009
Dave Ramsey :: Townhall.com Columnist
It's the Lesson, Not the Money
by Dave Ramsey
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Will the Dems' health care Christmas Present to America be an improvement or detriment to our health care system?


I know I’m giving you questions, not answers, but in the end, providing a quality, functional product in a timely manner for a fair, profitable price is the key to a small business’ success.

An unusual request just might be a great entrepreneurial opportunity. It’ll probably take some work, because when great ideas show up they’re usually wearing work clothes. But do some research, and make the same basic manufacturing and economic decisions you would with a new item. Remember, this could open up a whole new market for you!

-Dave

Dear Dave,

I received an offer in writing from a credit card company. It’s vaguely written, and it makes me nervous. It sort of leaves a back door open for them to go back on their word. I asked for another letter and they sent it, but now I wonder if I’m really okay in this situation.

-Dale

Dear Dale,

If you’ve got a document, and the language in it can convince someone in the future that you’ve both agreed to the specified terms, then that’s enough – even if it’s just three or four paragraphs long. Staple a cashier’s check or money order for the agreed-upon amount to that letter, and send it back certified mail, return receipt requested, as fast as you can. Also, make sure you keep copies of the cashier’s check or money order – along with the letter – in a safe place for the rest of your natural life! This is for your own protection, Dale. You never know when something like this will rear its ugly head again.

This kind of thing can be a problem with credit card companies. It can be difficult to be certain that you’ve reached an agreement with them, because lots of them will lie to you in a heartbeat. Some of them lie to my team when we call them, and we don’t even owe them money!

-Dave

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About The Author
Dave Ramsey is a personal money management expert, popular national radio personality and the author of three New York Times bestsellers.
 
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