Dear Dave,
I take classes online at a public university that is several hours from my home. I tried to pay for my classes the other day, and my Visa debit card was not accepted. I got a message saying credit cards and cash were the only payment options. How can I take care of this without wasting an entire day driving to campus to pay with cash?
ó Amy

Dear Amy,
Donít worry, thereís no need for you to drive all the way to campus and back just to pay for your classes. You can run a debit card like itís a credit card, and they will accept it. The machines donít recognize the difference, whether you type in a credit card number or a debit card number.

Just select ďcreditĒ when it asks for payment method. Itís just like when you step up to pay for something at the store and they ask the old credit or debit question. You say credit, so you donít have to enter your PIN (personal identification number), and it all stays in the Visa system.

Youíre just using it wrong, and thatís why youíre having trouble. Just remember this in the future, and best of luck with your classes.
óDave

Consider the house?

Dear Dave,
My husband and I have been debt-free, except for our mortgage, for a few years now. Recently, weíve been thinking about moving back to our home state to be closer to family. Weíve found a home weíre interested in, but it has a large utility tower on the property not far from the house. Should we still consider this home?
ó Denise

Dear Denise,
The downsides are simple. One, youíve got to look at the stupid thing every time youíre sitting on your patio. Two, when you get ready to sell it, everyone who looks at the house is going to have the same concerns you have. Itís not going to appreciate in value, and youíre going to have trouble selling it when the time comes.

If youíre willing to put up with those two things, you might get a steal of a deal on this place because no one else may want this house. And when I say a steal, Iím talking around 40 percent off the appraisal. To me personally, it would be enough of an eyesore that I probably wouldnít buy. Again, thatís just a personal opinion.

Keep in mind that if you go through with this, when you get ready to sell it youíre going to lose out on any money you gained in the buy. Someone is going to do the same thing to you. Iím not completely killing the deal, but I definitely wouldnít buy it to live in. As a rental? Maybe, if I were going to keep it forever. Because people will always rent. But honestly, I wouldnít want to put up with the hassle in either scenario.
óDave

ó 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 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on the web at daveramsey.com and on Twitter at @DaveRamsey.