Dear Dave,
I took a new job less than a month ago. Just the other day, I was recruited by a huge company for the same position that pays twice what Iím making now. I didnít apply for the job that was offered; they came directly to me. I didnít sign a contract or promise to work a certain length of time with my current employer, but theyíre good people and I want to do the right thing and handle things well. Do you have any advice?
Jeff

Dear Jeff,
In situations like this I always try to put on the other personís shoes. Letís pretend you own the company and you just hired a young guy. A few weeks later, someone comes in out of the blue and offered him double what heís currently making. I can tell you what would happen here. Iíd tell him to take it. I mean, I would. And as an employer Iím certainly not going to double his income that quickly.
I think you take the job. Just walk into your leaderís or supervisorís office and tell the truth. Lay it all out there, and let them know that while you feel awful about the situation, you had no intention or misleading them or causing problems, but you simply canít pass up the opportunity. Be sure to show an extreme amount of gratitude, and promise to do everything possible to make the transition as easy as possible.
Truthfully, if an organization cares about its team members, and one of those has the ability to double their income and theyíre not breaking a promise in the process, this type of scenario is perfectly reasonable. It may be a little uncomfortable for you ó and inconvenient for them for a while ó but they canít realistically expect you to pass up the opportunity to double your salary.
Youíre a good man, Jeff. Congratulations!
ó Dave

Settlements for medical bills

Dear Dave,
Will hospitals take a settlement on past due medical bills, or is this a rare occurrence?
Kristin

Dear Kristin,
Itís not all that rare for hospitals to accept a settlement on past due bills. Most businesses will accept a settlement on past due accounts, and many hospitals will accept a deeply discounted settlement because theyíve usually gotten a big chunk of their money up front from the insurance company.
Letís say you had a $1,000 bill with a hospital you honestly havenít been able to pay for several months, or even two or three years. If you go to them and offer $300 or $400 as a settlement, thereís a good chance youíll have a deal. Just make sure you get the agreement in writing before you hand anyone a check.
Remember, you have a moral and legal obligation to pay your debts in full if at all possible. But if you truly canít afford to pay, an agreed upon settlement between two parties can be an honorable and acceptable compromise.
ó Dave

ó Dave Ramsey is Americaís trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-selling books. The Dave Ramsey Show is heard by more than 11 million listeners each week on more than 550 radio stations and digital outlets. Daveís latest project, EveryDollar, provides a free online budget tool. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.