Healthcare Changes You'll Pay for in 2013

DAVE'S eNEWSLETTER March 2013 | DAVERAMSEY.COM | View this email online? Click here. | Forward to a friend

Imagine for a moment that you're 8 years old and you run a lemonade stand. It's the most simplistic of businesses—all you need are cups, lemons, sugar, water, ice and the right price. Unfortunately, the neighborhood discovers kinks in your business model. As a result, they impose a strict rule saying you may only charge $0.10 per cup—and if someone can't afford that price, you must give it away for free. Now you're left with few options for staying open. You could make customers bring their own cups, dilute your lemonade with water, and serve it warm with no ice. But who wants to decrease quality? Instead, why not ask someone else—a parent, a grandparent—to shoulder the extra costs? Learn more about what the Affordable Care Act requires us to do. Is Tax Software Worth It? Answers from Real People Nearly 40 million people use tax software to file their state and federal income taxes from their own computers. As the practice grows in popularity, we wondered if anyone had ever regretted their decision to use tax software to file their taxes. Find out what people had to say. A Zero-Based Budget: What and Why In this helpful excerpt from Dave's free Guide to Budgeting, one of the most comprehensive guides we've compiled on the subject, you'll discover the best way to harness the power of your income and five big money "gotchas" to watch out for. DaveRamsey.com Month in Review • 7 Wise Lessons From Past Presidents • Hooray for Hollywood • 6 Household Items on Sale in March • First Dates and Coupons: A Controversy Like No Other Dave's Money Tools Other Great Tools Get recommended percentages for your spending and keep on the right track with the Gazelle Budget tool! Learn more! The Goal Tracker The Debt Snowball Investing Calculator Mortgage Calculator More Money Tools Also Included in This Issue: Stupid Tax: Never Forget About Auto-Renewals We Did It!: 5 Baby Steps Done in One Month! Get Plugged In! Where's Dave? Employment Opportunities New Radio Station Affiliates Where's Dave? Building a Legacy March 7, 2013 – Las Vegas, NV April 24, 2013 – Des Moines, IA May 16, 2013 – Cincinnati, OH Total Money Makeover LIVE! April 20, 2013 – Houston, TX EntreLeadership 1-Day March 6, 2013 – Kansas City, MO April 19, 2013 – Oklahoma City, OK April 23, 2013 – Austin, TX May 17, 2013 – Cincinnati, OH EntreLeadership Master Series May 5–11, 2013 – Nashville, TN Want to bring one of Dave's speakers to your group or event? Find out how. Radio Affiliates Find a station near you! There are more than 500 affiliates nationwide. City and State Radio Station Air Times Atlantic City, NJ WPGG-AM 1450 M–F, 1–3 p.m. CT Lewisburg, TN WJJM AM 1490 M–F, 1–4 p.m. CT

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