February 2018
Page 4
BUSINESS AND FINANCE
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DAVE SAYS Katherine
Dear Dave,
I have cousins who are
thinking about moving back
to Connecticut from Virginia.
They’ll be renting for a while,
and I have an unoccupied rental
house. Do you think renting to
family is a bad idea?
THE ULTIMATE LOVE
LETTER
W
hen you love
someone, it’s
the big and
the little things that make
it last. Whether you are
unclogging the toilet,
earning money for the
mortgage, washing the
dishes and dirty clothes,
listening to their day, their
challenges or managing
investments for long term
pay-off, to name a few.
These are some of the
ways to say ‘I love you’
in a practical way. Loving
someone is about keeping
their best interests in mind.
Love chases away fear.
Love does everything it can
to protect and preserve.
“Love
looks
like
something” is a quote from
Heidi Baker, a pioneer in
humanitarian work among
R
Dear Katherine,
enting to family can
work out just fine, as
long as there are clear-
ly understood rules and bound-
aries in place ahead of time.
Both parties should understand
there must be a landlord and
tenant relationship with regards
to all aspects of the rental
agreement. Tenants have the
right to expect a landlord to
make needed repairs prompt-
ly, pay the taxes and insurance
on a property on time, and do
all the other things a landlord
should do as outlined in the rental agreement. As a landlord,
you have the right to expect the
rent to be paid early or on time,
and for the tenant to respect
the property and guidelines in
the rental agreement. A land-
lord also has the right to evict
a tenant through fair, legal pro-
cess if they violate the terms of
the agreement. When it comes
to these business dealings,
you’re wearing the landlord
cap, and they’re wearing the
renter’s cap. At Thanksgiving,
Christmas, and other family
events, the caps come off and
you’re family. Butyou don’t get to play the cousin card as a
way to keep from paying rent,
and you don’t get to play that
game to avoid your duties as a
landlord.
Phrases like, “Well, I just
thought because you’re my
cousin” have no place in these
situations. Make plans to have
a full-blown, in-depth conver-
sation about every aspect of the
rental agreement and relation-
ship before
anything is signed. If you
don’t, there’s a possibility
someone will develop a sense
of entitlement about something. And that’s no good in any type
of relationship!
—Dave
some of the poorest in the
world in Mozambique,
India and many other
nations, according to Iris
Global. Her books have
greatly impacted me to the
point that I wanted to see
love in action. I decided to
travel to a couple of their
locations. We can easily see
that helping those in need
with clean water, education,
homes for orphans and
more is a picture of love.
Can we take that further
and make sure that our
own children have a home
and the mortgage is paid
off when we die through
a life insurance policy?
Can we make sure that our
grandchildren have money
for college and that those
we love most are protected
and their way of life is
preserved? How about the
church and missionaries
you support? Would you
consider getting a life
insurance policy that would
go to them once you die? that had their best interest
in mind. The wife and
grown children received
the news that they became
the beneficiary of a life
insurance policy, on the day
that their dad died. All three
of them had money for the
funeral. They had money to
buy a new house and boost
their business. Yes, the wife
lost her love but he had
an ‘insurable interest’ in
making certain that his wife
and his kids were provided
for once he was gone. She
also has an expression of
love for her kids in that
she has a policy that has
‘Living Benefits.’ Assisted
living or critical care will
be paid for from her policy
if she gets diagnosed with
an accelerated or critical
illness before she dies. or when the love letter
will end. Let us be certain
that we now have the
responsibility to review the
amount of life insurance
we have in place. Will we be wise in this area of life?
Will you call a professional
and let them help you write
a new type of love letter
this month?
Invest in love because
the love letter that life
insurance sends comes
with a check in it. In this
season of chocolates, roses,
dinner out and ‘be mine’
As I write this, I think of expressions let us each
a sort of ‘love note’ that a strengthen the perspective
family received in a form that we don’t know how
*Dave Ramsey is CEO of
Ramsey Solutions. He has
authored seven best-selling
books, including The Total
Money Makeover. The Dave
Ramsey Show is heard by more
than 13 million listeners each
week on 585 radio stations
and multiple digital platforms.
Follow Dave on the web at
daveramsey.com and on Twitter
at @DaveRamsey.
Insurance : Annuities : Retirement : IUL
J. ANDREW JERNIGAN
DR. ROUSSY
Licensed Field Underwriter
P: 205-767-0507
Group Plans : Benefits : College Funding
DANIEL S. DIGBY
A ttorney at L aw
D aniel S. D igby & A ssociates , LLC
946 South Main St. NE, Conyers GA 30012
P hone : 770-760-1771
F ax : 770-483-3559
E mail : [email protected]