November 9, 2010 shop online at www.broadcasteronline.com Page 5 DAVE SAYS: Advice on when to buy new over used Dear Dave, What things do you advise buying used versus buying brand new? Amy Dear Amy, This is a great question. But I’m afraid there’s not one good, across the board answer, because it all depends on where you are in your financial plan. When it comes to cars, you should always buy good, used vehicles, unless you have a million dollars in the bank. New automobiles drop in value like a rock, so buy smart and let someone else take the hit in depreciation. My advice is to buy used, anyway. Wealthy people don’t become wealthy by investing in things that go the wrong way. If you’re talking about clothing, and you’re broke or trying to get out of debt, there’s absolutely nothing wrong with shopping consignment stores—especially for kids. They wear things three times, and then they’ve outgrown them. Plus, they still look practically brand new. “Experienced” clothing is a great buy for adults, too. Of course there are other things, but here’s the deal. As your money situation improves, you’ll be able to buy more new things. The price of “new” will become a smaller and smaller percentage of your financial world. But when you’re broke, deep in debt, or don’t have a big income, any money you spend on anything is a big percentage. At times like this, a $50 washer or dryer on Craigslist can be the best deal on the planet! —Dave down with my boss and let him know this is deal breaker. If the company you work for wants to send you out on the road to do business in their name, then they should man up and pay for it. I think corporate America has really pulled a big joke on lots of folks. In some cases, you’ve got these multibillion dollar companies borrowing money from their employees, and then paying it back—most of the time. Think about it. What happens if they decide, for whatever reason, not to honor an item on your expense report? You own it, dude. You’re stuck with the bill! I wouldn’t do this, Jason. But if you decide to stick with it, get a debit card and set it up on a separate account only for corporate expenses for which you can be reimbursed. You’ll have to prime the pump, and put a little money in there to get it started, and I’d ask the company for an advance against travel to help fund that account. But the truth is they should just pay the bill when they send you out on the road! —Dave * For more financial help, please visit daveramsey.com. You’re being hoodwinked! Dear Dave, The company I work for just told me I have to get a personal credit card for business travel. What’s your advice on how to respond? Jason Dear Jason, If it were me, I’d sit 1200 Cars PLUMBING BARRY’S (605) 624-6530 I wish to Thank everyone for their good wishes, cards, and gifts I received for my 90th Brithday. Also a Thank You to my family for the lovely party they had for me on October 10th. I saw so many of my Great Grandchildren, plus Grandchildren. A Special Thank You to Maxine Johnson who made me a celebrity for two weeks and gave me a wonderful party. Now I’m back to my Old Life, just being the smallest pumpkin in the pumpkin patch. God Bless You All ~June Sherman Thank You.... DONATE A CAR-HELP CHILDREN FIGHTING DIABETES. Fast, Free Towing, Call 7 days/week. Non-runners OK. Tax Deductible. Call Juvenhile Diabetes Research Foundation. 1-800-578-0408. nani DONATE YOUR CAR FREE TOWING “Cars for Kids” Any Condition Tax Deductible Outr e a c h c e n t e r . c o m 1-800-597-8311 (MCN) DONATE YOUR CAR! Breast Cancer Research foundation! Most highly rated breast cancer charity in America! 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