December 21, 2010 • Page 5 shop online at www.missourivalleyshopper.com DAVE SAYS: Brother needs help, but how? Dear Dave, My brother and I recently received an inheritance after our mom died. He’s never been very good with money, so I was proud of him when he used his portion to pay off his debts. But then he went out and financed a $23,000 van he can’t afford. I’m afraid he’s falling right back into the same old money problems, but I don’t know how to talk to him about it. — Diana Dear Diana, Over the years I’ve learned that you can’t make people listen to you. Even with what I do for a living I don’t throw my opinion around unless some- one asks. I’m glad you realize there are some boundaries here. Still, there’s no reason you can’t create a situation where he can ask your opinion. You might begin with talking about some of the mistakes you’ve made in the past. This could help him connect with you and feel more comfortable opening up about his own situation. Once he realizes you’ve learned from your mistakes and haven’t repeated them, he might feel comfortable enough to ask how you accomplished it all. Then, once he does that, the door is open! But you can’t become preachy or act like a know-it-all every time someone does something dumb. Acting that way makes you seem arrogant, and you’ll probably only succeed in hurting the other person’s feelings and making them tune you out completely. — Dave TIME TO CLOSE UP? Dear Dave, I have my own medical practice, but I’m in a lot of debt and the practice just doesn’t seem to be working out. I took out a large loan in the beginning, and I can’t seem to stay current on the payments no matter how hard I work. Do you think I should file bankrupt- cy? — John Dear John, You went to school to be a doctor, which is an admirable thing. But now you’re also a businessman, so you need how to run your interest profitably. Chances are you’re not bankrupt. It sounds to me like you made the mistake of starting a new business without first having a realistic business plan in place. Talk to your lender, and let them know what your situation is like right now. They may be willing to work with you on a plan that would give you a little bit of breathing room. You might also look into the possibility of hiring a business manager. This would require paying someone an additional salary, but at least you’d be assured that the business side of things is being run properly. But don’t file bankruptcy, John. It’s a stressful and emotionally-damaging process. You’re doing what you love and what you were called to do. The trick is to free up the money that will allow you to continue doing this great work! — Dave * For more financial help, please visit daveramsey.com. Park 50 & River Heights Apartments For your patronage in 2010, we wish you the very best in 2011! Midwest Radiator & Exhaust t r “The Best Place to Take a Leak” Tha nk you to ou r cu stom ersa nd em ployees.M erry Chri a sa nd H a ppy stm H oli ysf da rom • 1, 2, 3 BR Units • Heat/Cable Paid • Super Location • Off Street Parking • Laundry • On Site Manager For your private showing – 665-1243 Sorry – No Pets Auto - Truck - Ag - Industrial Radiator - Heater Cores - Condensors John & Sandy Justra, Owners E. Hwy. 50, Yankton, SD 605-665-2410 Cash for your Old Gold (broken rings, chains, any jewelry and gold teeth) 308 Capitol, Yankton SD 57078 605-665-3712 COIN BUYER All U.S. & Foreign Coins/Stamps Paper Money, Coin & Stamp Collection Gold & Silver Bullion Appraised & Purchased Estates Our Specialty Bank and Attorney References Available Serving Collectors Full Time Since 1967 - Jim Matney NATIONAL COIN & STAMP CO 1801 Main • Tyndall, SD NGC Dealer Call For Appointment FREE APPRAISALS 605-589-4843 TOLL FREE 888-292-2646 Get a new kitchen, Get h Cash Back. Top-quality Showplace Cabinetry, with manufacturer direct cash rebates. You better get started – your new kitchen will last for years, but this offer won’t! Yankton Showroom 309 W. 11th St., Yankton, SD 57078 605-668-2168 • 1-800-249-3837 www.tkplaceyankton.com B6 Brian & Jean DeGroot, Owners 802 Broadway Yankton, SD (605) 665-1596 TRACTORS ‘08 NH T2310 Boomer w/Loader, 439 Hrs. . . . . . . . . . . . . . . . . . . . . . . . . . . .$22,500 ’04 CIH MXM 175 MFWD w/Loader 2,315 Hrs. . . . . . . . . . . . . . . . . . . . . .$72,500 ’08 NH T8030, MFWD/SS, 1,589 hrs., F&R Duals . . . . . . . . . . . . . . . . . . .$129,000 ’03 NH TM175 MFWD/PS, 2,855 hrs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$65,000 ’01 NH TC29D, MFWD, SS w/ loader, 1,477 hrs. . . . . . . . . . . . . . . . . . . . .$15,900 ’81 IHC 5088, 4,008 hrs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25,000 ’79 Steiger ST310, 4WD, Panther series III, 3pt . . . . . . . . . . . . . . . . . . . . . . .$22,000 ’77 IHC 1086, 3 remotes, air seat, New TA . . . . . . . . . . . . . . . . . . . . . . . .$11,500 ’77 IHC 1586 2 remotes, cab, air . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$12,000 ’73 IHC 666 3pt W/F 12,274 hrs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$7,500 ’68 IHC 544 Diesel, 8,709 hrs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$6,250 ‘08 JD 5225 MFWD w/Loader, 510 Hrs. . . . . . . . . . . . . . . . . . . . . . . . .COMING IN ‘66 David Brown 770 Diesel w/Koker . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$3,500 HAY EQUIPMENT QUALITY USED VEHICLES 2007 Honda Fit, 4-dr., black, 58,000 miles.............................$11,900 2007 Chevy Uplander Van, silver, 62,000 miles ..................$9,500 2007 Chevy Uplander Van, silver, 62,000 miles ..................$9,500 2006 Chevy Malibu, 4-dr., silver, 69,000 miles .......................$9,400 2004 Chevy Trailblazer 4x4, maroon, 80,000 miles.........$11,500 2003 Honda Civic LX, 4-dr., blue, 94,000 miles.......................$7,000 2003 Dodge Grand Caravan, gold, 122,000 miles ...............$5,900 2003 Chevy Venture Van, silver, 125,000 miles.....................$6,900 2002 BMW 325i, 2-dr., blue, 97,000 miles...............................$10,900 2002 Ford Ranger, 2WD, maroon, 84,000 miles.......................$7,900 2001 Cadillac Deville, 4-dr., silver, 85,000 miles.....................$7,900 2000 Pontiac Montana Van, red, 171,000 miles ..................$3,500 1997 Mercury Village Van, green, 145,000 miles.................$3,500 1996 Mercury Marquis, grey, 116,000 miles..........................$3,500 1995 Mercury Marquis, 4-dr., maroon, 123,000 miles...........$3,500 1995 Ford F-150, 2WD, blue, 98,000 miles................................$2,900 1988 Ford F-150 Ext. Cab 4x4, red......................................$2,400 1987 Chevy 1 ton dually, red, 107,000 miles. .......................$7,700 1986 Ford Taurus, 4-dr., blue, 106,000 miles............................$1,400 SPECIAL INTEREST 1976 Cadillac Eldorado Conv.,2-dr., white, 67,000 mi......$13,900 1985 Ford Wrecker, 4x4, red, 67,000 miles .............................$7,900 1972, 17ft., Jet boat, 400 V8, olds motor..................................$4,500 (2) ‘08 NH HW8060 w/ discbine header . . . . . . . . . . . . . . . . . . . . . . . . . .$89,500 Ea. ’09 Sitrex 9-3W Wheel Rake 9-Wheel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$4,900 ’08 NH BB940A Large Square Baler . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$62,500 ’06 Hesston 9260 SP Windrower, 15’ Disc, 535 hrs. . . . . . . . . . . . . . . . . . . .$72,500 ’04 NH BB960A 3x4 sq. baler, 20,000 bales . . . . . . . . . . . . . . . . . . . . . . . . . $65,000 ’04 NH BR780 endless belts, net wrap, 0% for 36 months . . . . . . . . . . . . . . .$19,500 ’03 CIH RBX552 Rd. baler 900 bales . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$12,500 ’02 CIH SCX100 18’ mower cond. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$14,900 ’00 CIH RS561 rd. baler, 9,000 bales . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$12,500 ’99 Hesston 4755, Lg. Sq. Baler, 28,550 bales . . . . . . . . . . . . . . . . . . . . . . . .$32,500 ’98 Case-IH 8465 rd. baler . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$7,500 ’97 Hesston AGCO 4755, Lg. Sq. Baler, 21,500 bales . . . . . . . . . . . . . . . . . . .$34,500 (4) NH 1475 14 ft. mower conditioners . . . . . . . . . . . . . . . . . . . . .Starting at $13,500 ’94 Hesston 4750, Lg. Sq. Baler . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25,000 ’94 NH 660 Lg. Rd. baler . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$2,950 ’93 CIH 8610 Bale Processor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$6,500 ’91 NH 216 Twin Bar Rake . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $8,950 ’89 Hesston 1160 14’ mower conditioner . . . . . . . . . . . . .Mechanic’s Special $2,500 ’85 Hesston, 5580, Rd. Baler . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$2,500 ’71 Versatile 400 SP windrower w/ crimper . . . . . . . . . . .Mechanic’s Special $1,500 (3) NH 116 mower conds., 16', field ready . . . . . . . . . . . . . . . . . . .Starting at $2,500 (2) CIH RBX562 Lrg. Round Balers . . . . . . . . . . . . . . . . . . . . . . . .Starting at $14,500 (3) NH 1475, 16’ Mower Conditioners . . . . . . . . . . . . . . . . . . . . . .Starting at $14,900 ‘01 Hesston 1275 Mower Conditioner, 16 Ft. . . . . . . . . . . . . . . . . . . . . . . .COMING IN CIH 4000 SP Windrower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .COMING IN COMBINES – 36 MONTH WAIVER ’08 NH CR9060, 522 Eng., 329 Sep. Hrs. . . . . . . . . . . . . . . . . . . . . . . . . . . . .JUST IN ’82 NH TR95, 3,716 hrs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$15,000 ‘87 NH TR86 Cat Hydro, 4496 Hrs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .COMING IN ‘09 NH CR9060, 441 Eng., 340 Sep. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .COMING IN PLANTERS ’05 White 8186 16 Row 30” w/ row cleaners, 3 bushel boxes . . . . . . . . . . . .$55,000 ’98 Kinze 2600 16R30, 31R15, insect dawns . . . . . . . . . . . . . . . . . . . . . . . . .$45,000 ’95 White 6900, 5R skip . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$6,000 ’93 White 6100/6900 8R30, 15R15, LF . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$17,500 ’87 White 5100 8R38 Insect . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$4,500 ’80 JD 7000 16R30, Front Fold, loaded . . . . . . . . . . . . . . . . . . . . . . . . . . .COMING IN White 5700 12R 30” Semi mt. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$4,500 (2) White 5100 12R30 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$9,500 Ea. White 5100 8R 38”planter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$3,950 SKIDLOADERS ’00 Gehl 4835 SXT skidloader, 2025 Hrs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$9,500 ’07 NH L185 skidloader w/ cab & heat, 418 Hrs. . . . . . . . . . . . . . . . . . . . . . .$31,000 JD 675 Skidloader w/ cab . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .COMING IN USED MISC. www.missourivalleyshopper.com ’00 Kubota F2560E Diesel w/ 72” deck . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$7,900 ’98 Unverferth 5000 Grain Cat w/Scale . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$12,500 ’95 Feterl, 10”x76’, Auger w/ swing hopper . . . . . . . . . . . . . . . . . . . . . . . . . . .$4,900 Feterl 12x72’ Auger w/ power mover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$8,500 Westendorf TA45 Loader Quick Tach . . . . . . . . . . . . . . . . . . . . . . . . . . . . .COMING IN JD H Manure Spreader . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$950 ‘01 JD 637 Disc w/ Harrow, 26-1/2 ft. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$24,500 ‘97 Glenco SF 4500 Soil Saver, 27’ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$12,500 KOLETZKY IMPLEMENT, INC. www.koletzkyimplement.com • Since 1962 2302 E. HWY. 50 • YANKTON, SD • 605-665-3872 OR 1-800-827-9700