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Dave Ramsey Shares 7 Ways To Approach Money If You’re Affected by Coronavirus



Dave Ramsey Shares 7 Ways To Approach Money If You're Affected by Coronavirus

Managing cash can quickly cause fear and panic in people’s minds, particularly during unexpected seasons such as the coronavirus pandemic.

Luckily, the best-selling financial planner and pioneer in Christian financial policy, Dave Ramsey, approached his blog reader recently and presented them with seven concrete strategies in order to help them through this tough era.

But Ramsey paused to advise his stressed reading followers to slow down and take a deep breath before unveiling the dollar-stretched move number one on his lists.

“Have you done that? “He said.” He said.

Ramey knew terror was the first adversary to be overthrown in order to accomplish some logical thought. So he offered step number one with this concern out of the way.

“If you don’t live on a schedule anymore, now is the moment! “It was published. The initial phase would demonstrate how much money is to be used and how a dollar expended ends up.

Within that way he stressed stability within stage 2 and reminded his readers of the various needs, or “Four Walls,” as he called them.

So that does require occasional compromises.

Do you think that during the pandemic you should follow the seven-step financial strategy of Ramsey?

“One has to focus on stuff that you just need to thrive when it gets tough — as now,” ‘Ramsey said.

When these goals — that is to say food, equipment, shelters, housing — were met, he recommended that we approach the additional payments in order of priority by suggesting, “If you run out of money, this is it.”

This won’t stop working out, but stages three to seven. Such initiatives include realistic actions such as the reduction of interest collections, the selling of personal products, a side work and needless cuts in prices.

“When you are still wounded,” he said, “we know sacrifices like that might sound like applying injury salt to the wounds. In the 7th step, Ramsey recommended that you contact a nearby church or civic organization in support, with a word of advice. “You make a small effort to move water before the flood ends and you’ll be back on your feet again.”

“Let’s be clear: first try to do everything in your capacity before you pursue such help,” he explained. The local Church is meant to be a beacon in her society but Ramsey warned against not taking advantage against voluntary organizations, so that they can support those in great need. “If they have genuine need, don’t be too prideful to ask for assistance.”

Ramsey warned his viewers earlier this month of his propensity to over-correct and/or freak out in difficult time on his radio show.

“We prefer to over-correct when we’re scared,” he said.

He clarified that people prefer to over correct by their normal weakness process to interpret a moment of crisis – a decision to overact or underreact.

Ramsey said, “I am a glass-half-full, robust, angry guy. “Most people are half-empty, poor, fear-based people.” “Most of you go utterly nuts, hysterically, overreacting. And some of you respond badly, for example, to me. I still underreact and I refuse to be afraid based on this sort of material. It takes me to madness, “said Ramsey.

He said that in the short term, but not for a prolonged period of time, issues would be affected.

“You should be all right. It will be all right, “everyone told.

While, his blog post concluded with inspiring and optimistic words, “[W]we should do this. We get around it already. Moment after moment. Moment by moment. Day after day. Week after week. Hope comes out forever. And the dream is more than just a large stash of toilet paper and a hand sanitizer.

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Rajesh is a freelancer with a background in e-commerce marketing. Having spent her career in startups, He specializes in strategizing and executing marketing campaigns.


He is devoted to the St. Paul Winter Carnival — really devoted



He is devoted to the St. Paul Winter Carnival — really devoted

Tom Barrett figures he was in eighth grade when one of his teachers, Miss Bell, approached him on the playground in the Mac-Groveland neighborhood and suggested he try out for a spot on the Winter Carnival Junior Royalty.

“Do you have a suitcoat?” Yup.

Of course this St. Paul kid had attended his share of parades and events at the St. Paul Winter Carnival. He grabbed his suitcoat and off he went to the competition — without telling his parents. He walked to the contest at a nearby rec center.

And walked home disappointed.

You’d think a thing like that would put a guy off participating in “The Coolest Celebration on Earth.” Especially since his neighbor across the street, who did win the junior royalty competition, would regale young Tom with tales of parades and royal festivities.

But since the 1990s, Barrett has been one of the key players who make the St. Paul Winter Carnival happen.

A member of the Vulcan Krewe, Count Embrious, in 1993; Vulcanus Rex, head of the Vulcan Krewe, in 2004; in charge of both Winter Carnival parades for 2022; emcee of the recent Klondike Kate contest; bus tour guide for the Carnival princess candidates for the past 15-16 years; in charge of the hot air balloons used in parades for many years. And those are only the major roles and responsibilities.

“Tommy has a huge heart for Carnival,” says former board chair and past festival chair Jen Tamburo. “He’s always there to stand up, raise his hand and say, ‘I’ll do it.’ ”

Longtime Carnival leader Tamburo says she’s known Barrett for more than 20 years. Though she’s a 2005 East Wind Carnival princess, she laughs that she and Barrett share a royal failure. She, too, lost out on a bid to join the junior royalty many years ago.

Barrett says that as a kid he would sneak out to try to find the Pioneer Press Treasure Hunt medallion and attend Winter Carnival parades. But an incident in 1992 was the spark for joining the Vulcan Krewe. He had a seizure “out of the blue.” He couldn’t drive.

“I started making a bucket list before bucket lists were fashionable.”

He never went back to the Royal Family side of the Winter Carnival. He donned the red jumpsuit, helmet, cape and goggles in 1993 and was named “Count Embrious” (the Fire King’s Chancellor of the Exchequer, “the Young and Romantic One” — usually the youngest member of the Vulcan Krewe that year).

His wife, Wanda, was OK with that. Though Barrett, 64, is no longer young, “I’d like to think I’m still romantic.” He calls his wife of more than 40 years “Wonderful Wanda.”

The Barretts met when both were working for the state of Minnesota. He says he didn’t get a paycheck after his first week and went to human resources to check on it. Wanda was working there and Tom claims that when she saw he was single, she asked him out. They have one son and over the years, the Barretts hosted nine foreign exchange students.

Barrett was director of the Minnesota Gambling Control Board from 1990 through his retirement two years ago. Appointed by then-Gov. Jesse Ventura, Barrett says he worked for one independent, one Republican and a couple of Democratic governors. Before that, he worked for the Minnesota Lottery.

About the Vulcans

Tom Barrett, center, wearing black, was the 2004 Vulcanus Rex. He is photographed with the Vulcan Krewe at the 2004 Ice Palace in St. Paul. (Scott Takushi / Pioneer Press)

Barrett provides a bit of history: The Vulcans have been part of the 135-year-old Winter Carnival since 1886, when the Fire King was known as Fire King Coal, then Ignius Rex, Fire King Rex and, since 1916, Vulcan Rex or Vulcanus Rex. Vulcan Rex VI was the first Fire King to have a Krewe run with him — the first Krewe to ride a firetruck officially, the first Krewe to bestow the “mark” and the first Krewe to wear a running suit, cape, helmet and goggles. According to Carnival legend, each year the Vulcans do battle with King Boreas and his winter royal family at the close of the festivities, and each year they win, ensuring that heat and warmth will again return to St. Paul.

In fact, when you meet Barrett, he’s likely to ask whether you like hot or cold, summer or winter, winning or losing. Choose warmth and winners, and you’re on the Vulcan side.

In 2004, Barrett led his own seven-member Krewe as the Fire King, Vulcanus Rex LXVII. That was the year there was an Ice Palace constructed in the open lot across from the Xcel Energy Center.

Barrett knows talk about the Vulcans is bound to bring up stories about inappropriate behavior years ago. He says he’s always encouraged his Krewes to “do the right thing.”

“Let’s bring it to the people,” Barrett says.

And that’s what the Vulcans do, he adds. The Krewe visits hospitals and nursing homes, usually traveling on the Vulcan firetruck named Luverne, a 1932 firetruck built in Luverne, Minn., and believed to be the only one of its type left. Barrett remembers a frigid day in 2004 when he and the Krewe were headed to visit a young cancer patient in Woodbury. They took the interstate and three of the Vulcans riding on the back of the truck got frostbite, but the child’s reaction was worth it, Barrett says.

“I’ll never forget it,” he adds. “It doesn’t matter how cold it is, just get out there and do it.”

“But we took a slower route home.”

He says the Krewe becomes family during the run of Carnival. And even though they battle Boreas and the royal family for control of the weather, the whole group forms a bond.

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Ask Amy: Upset mother-in-law might not foot wedding bill



Ask Amy: Abusive ex-husband now wants to share cabin

Dear Amy: My daughter became engaged last week.

We are thrilled and like “Steve” a lot.

She said, “Steve wants a traditional Catholic wedding. His family also wants alcohol served.”

We are a Christian family and attend church every Sunday (which Steve has attended with us).

Steve and his family do not attend Mass regularly.

I blurted out, “That can’t happen.”

She said she has no preference, and always thought she would have an outdoor wedding.

Her father died a few years ago, and I have no expectation they would get married in our church, but I am totally against it in a Catholic church.

Also, in our close and conservative family, we do not drink alcohol.

We have been to many Catholic weddings, and my daughter has always called them “too ritualistic.”

I was thinking a neutral location would be better.

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Daily horoscope for January 23, 2022



Daily horoscope for January 23, 2022

Moon Alert: There are no restrictions to shopping or important decisions today. The Moon is in Libra.

Happy Birthday for Sunday, Jan. 23, 2022:

You are an idealist who is innovative, strong-willed and determined. You can appear tough on the outside, but you are sweet and kind on the inside. This year will be more social for you. Enjoy interacting with others. Very possibly, you will have to make an important choice this year.

The stars show the kind of day you’ll have: 5-Dynamic; 4-Positive; 3-Average; 2-So-so; 1-Difficult


(March 21-April 19)


You will put a lot of yourself into whatever you say today. Oh yes, people will sit up and listen to you. You also might be dealing with someone younger from your past. Tonight: Listen.
This Week: Pare down to a minimum and move toward your success step by step.


(April 20-May 20)


Discussions with authority today will be emphatic. Both sides think they know what they’re saying, and they mean it. This will require diplomacy. Tonight: Work hard.
This Week: Go after what you want, because you look good to others. Contact with an old boss might help.


(May 21-June 20)


People (including you) are opinionated today. Avoid discussions if they’re just ego battles. When issues are important, common sense should prevail. Tonight: Advise youth.
This Week: Study hard. Finish papers, manuscripts and books.


(June 21-July 22)


Discussions about shared property, insurance issues, taxes and debt will be direct and to the point today. Whoever you are talking to will also have strong opinions. Tonight: Family advice. This Week: Pare things down to a minimum. Dust off old projects.


(July 23-Aug. 22)


You will likely attract someone to you today who is talkative with strong opinions. Give this person the courtesy of listening to them, especially if it’s an ex-partner. Tonight: Make plans. This Week: Ex-partners and old friends are here. By the end of the week, embrace harmony.


(Aug. 23-Sept. 22)


Missed paperwork, mixed-up communications, delays, late deliveries and staff shortages are frustrating. Naturally, you want to voice your grievances. Tonight: Save your money. This Week: You can accomplish a lot despite silly glitches and delays. Focus on healthy eating and exercise.


(Sept. 23-Oct. 22)


A discussion with an old flame will be intense today. (If your mouth is moving, you can’t hear what the other person wants to tell you.) Tonight: Practical choices.
This Week: It’s a playful time, and old flames are back on the scene. Be patient with chaos at home.


(Oct. 23-Nov. 21)


A discussion with family will be dynamic! If it’s about home repairs, you might make progress. But if it’s about relatives camped on your sofa, good luck. Tonight: Research.
This Week: Relatives are popping out of nowhere. Joy and excitement by the end of the week.


(Nov. 22-Dec. 21)


Today the Sun and Mercury are in your House of Communications, which means you will say what you mean and mean what you say! (You might encounter someone who is just as forceful.) Tonight: Listen to someone older. This Week: Expect transportation delays and mixed-up communications. Nevertheless, you’ll work to boost your earnings.


(Dec. 22-Jan. 19)


You will be emphatic in discussions about money, property and possessions today. You are thrifty, and you hate waste. People will listen to you today. Tonight: Respect the boss.
This Week: Money is slow to come. Fortunately, you have lots of drive and energy!


(Jan. 20-Feb. 18)


You will make great headway if you do research today, because you will be persistent and focused. Oh yes, you’ll be like a dog with a bone. These qualities should bring results if you’re looking for solutions to old problems or answers to old questions. Tonight: Study.
This Week: You are empowered because the Sun is in your sign. People from the past are in contact with you.


(Feb. 19-March 20)


Old friends and members of groups from your past might be back on the scene. Perhaps this is why you will have a lively discussion with someone today. If you have to speak to a group and convince people to your way of thinking, you will be persuasive! Tonight: Budget.
This Week: It’s low-key this week except for a competition with someone.


Pilot Chesley “Sully” Sullenberger (1951), actress Julia Jones (1981), actor Rutger Hauer (1944)

* * *

Find more Georgia Nicols horoscopes at
(c) 2022 by King Features Syndicate Inc.

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