November 15, 2011 • Page 5 shop online at www.missourivalleyshopper.com DAVE SAYS: Crummy Family’s Lack of Boundaries Dear Jason, Let me ask you something. Did you love your grandfather? It sure sounds to me like you did by taking care of him and his stuff. It sounds like he loved you a lot, too. So my advice is to do what he wanted and accept this generous inheritance. And your family needs to just shut up! When you die, you can leave your belongings to whoever you choose. I mean, it was your grandfather’s stuff, so it was his decision. Period. He could have left it directly to and Roth IRAs. And don’t beat yourself up over this, Jason. You haven’t done anything wrong. —Dave Get Current First! Dave RAMSEY his children, grandchildren, a friend or even his dog if he’d wanted. Let these family members with the problems contest the will. And you can spend the money grandfather left ?ghting them. The man left what he left, and there’s no more. It was his money, his house and his property. They’re not entitled to it just because they’re breathing! In the meantime, you need to learn how to be a wise investor and become debt-free, including the house! Start educating yourself on mutual funds LOCATION • LOCATION • LOCATION 35.43 Acres of Outstanding Potentially Commercial & Residential Development Real Estate AT AUCTION Tuesday, Nov. 22nd • 10:00am Located: Across the road from Wal-Mart on the north edge of Vermillion, SD on Highway 50 An opportunity of a lifetime! 35.43 acres with 1,200 feet of SD Highway 50 Frontage across from Wal-Mart at auction! With real estate, the first rule is always location— well it doesn’t get much better than this! What makes this the piece of real estate the opportunity of a lifetime—1,200 feet of frontage on Highway 50 (one of SD’s busiest highways), across from Wal-Mart, near the University of South Dakota & the Dakota Dome, adjacent new residential development on the north side, and with the forward progress of the Hyperion Project (the Nation’s Largest Planned oil refinery just 10-minutes east)—it just doesn’t get much better than this! This tract is now zoned agricultural and is now under row crop cultivation. For maps and more information, contact Girard Auction & Land Brokers, Inc.. Be prepared to make the investment of a lifetime! Legal: The E 1/2 of the SW 1/4 except Seiler’s 2nd Addition and except Lot H-1, S 1/2 SW 1/4 in Sec 12-92-52, Clay County, South Dakota. 35.43 taxable acres. Taxes are $618.24. Terms: 10% nonrefundable down payment due day of auction with balance due on closing on or before Dec. 22, 2011. Title insurance and closing costs will be split 50/50 between buyer and seller. Clay County Abstract & Title Co is the closing agent. Possession on closing. Seller will pay the 2011 taxes due in 2012. Auctioneers are acting as agents for the sellers. HPG Developers, LLC--Owners Girard Auction & Land Brokers, Inc. (605) 267-242 • Toll Free: 1-866-531-6186 www.GirardAuction.com www.GirardBid.com Marv Girard, BA #12399; Ken Girard, CAI, AARE Broker #10183; Mike Girard BA #13549 Dear Dave, I love your plan, but I have one question before getting started. Should I catch up on any past due bills before saving up $1,000 for Baby Step 1? Solita Dear Solita, Absolutely! First, get current or make payment arrangements with anyone who’s willing to work with you. Make sure your necessities come ?rst. I’m talking about food, clothing, shelter, transportation and utilities. After that, get current with any credit cards and other types of debt you may have. Once you have these things taken care of, it’s time to launch your Total Money Makeover! You’ve already mentioned getting $1,000 in the bank for a starter emergency fund. That’s Baby Step 1. After that, begin your debt snowball, which is Baby Step 2, and pay off your debts from smallest largest. In Baby Step 3 you’ll save up and increase your emergency fund from $1,000 to three to six months of expenses. Once you reach this point, you really start looking to the future. In Baby Step 4 you start investing 15 percent of your income into Roth IRAs and other pre-tax retirement plans. College funding for any little ones is next in Baby Step 5, and Baby Step 6 is a biggie—pay off your house early! But Baby Step 7 is the real deal. When you’re able to build wealth and give, you’ve reached the pinnacle of smart money management. Not only are you securing your family’s future for years, but you can help others and your community in a big way! —Dave * For more ?nancial help, please visit daveramsey.com. “Full Service Farm Equipment” East Hwy. 50, Yankton, SD 1-800-827-9700 • 605-665-3872 koletzkyimpl@iw.net • www.koletzkyimplement.com super 2011 2DAYSALE PREMIER DEALER DOORBUSTERS 46-IN. CLASS 1080P 120Hz FRIDAY, NOVEMBER 18TH & SATURDAY, NOVEMBER 19TH, 2011 9AM-1PM FRIDAY & SATURDAY SAVE $1240 DOORBUSTER $ 9999 31 SAVE $175 SALE cu. ft.† Dear Dave, My grandfather passed away a couple of months ago. I’m 32 and the only relative still living in town, so I helped take care of him and his place so he wouldn’t have to go into an assisted living facility. In his will, he left his entire estate—the house and property plus about $270,000— to me. I’m debt-free except for my house, and now my family is acting weird and telling me I’m making excuses for them being left out of the will. Do you have any advice? Jason Craftsman® 200-pc. mechanic’s tool set with case 00933200 NO REFRIGERATOR HAS MORE CAPACITY‡‡ After 1pm, sale 119.99. SAVE $100 SAVE $200 INCLUDES CASE hometown exclusive DOORBUSTER SAVE $20 hometown exclusi e own exclusive wn exclusive DOORBUSTER $ $ 1999 99 599 DOORBUSTER hometown exclusive DOORBUSTER SALE Toshiba® 46-in. class full HD 1080p LCD TV •45.9-in. measured diagonally. 05771423/46G310U TV reception is simulated. Availability may vary by store. $ 26398 Craftsman 9-drawer basic Craftsman 12-pc. wrench set 00947046/7 After 1pm, sale 29.99. up to SALE 20 % all Kenmore ® OFF appliances 00931014/5/8 After 1pm, sale 279.97 buys both. save on & Savings range 5%-20%. Exclusions apply. See below for exclusions. Offers good thru 11/19/11. hometown SAVE $260 exclusive yourchoice SAVE $900 hotbuy $ 159999 Limited quantities available. b hotbuys allday hotbuy 50% OFF EA. GearWrench® 8-pc. ratcheting wrench set 00944001/2 Reg. 69.99 ea., sale 34.99 ea. hotbuy $ 54999 EA. Samsung white high efficiency 3.7 cu. ft. capacity front load washer 02633322/WF331ANW/XAA Samsung 7.3 cu. ft. electric steam dryer 02683322/DV331AEW/XAA SAVE $265 Among leading brands. Refrigerator capacity measured through Association of Home Appliance Manufacturers (AHAM) Standards. SAVE $570 STEAM SAVE $450 EA. ® a Kenmore 25-cu. ft.† space saving slim in-door ice with 4-door plus french door design refrigerator 04671099 STEAM EA. a. Kenmore® 21-cu. ft. upright freezer 04628042 b. Kenmore Elite 20-cu. ft. chest freezer 04616082 ‡‡ ON THE PAIR 99 499 SAVE $1130 229999 Kenmore Elite® 31-cu. ft.† refrigerator 04672053 PLUS SPECIAL FIN IAL FINANCING OR A FREE DELIVERY OPTIONS AVAILABLE See store for details. all other brands $ SALE, BUYS BOTH ball bearing tool chest $ Gas dryer priced higher. Optional pedestals sold separately. Limit to warehouse quantities. No rainchecks. Additional discounts do not apply. $ 69999 SAVE $570 Kenmore Elite dishwasher with 360º PowerWash™ Technology 02213963 Reg. 1269.99, 699.99 hotbuy 50% OFF Twin pack sawhorses 00936279 Reg. 24.99, sale 12.49 Your neighborhood store - and so much more. Sears Hometown Store is the best of both worlds the value, selection and services you want, right in your neighborhood. FOR AN EVEN GREATER SELECTION items. Excludes SHOP SEARS.COM BUY ONLINE, PICK-UP AT YOUR LOCAL SEARS STORE On eligibleAlaska. VISIT US ONLINE AT: SearsHometownStores.com Yankton Woehl by: Toby & Kerry Owned and Operated by Name • Store address • Store hours • Phone number Owned & Operated Owned and Operated by Name • Store address • Store hours • Phone number STORE NAME 2901 Broadway, Yankton • 605-665-7861 Monday-Friday: 9am-6:30pm • Saturday: 9am-6pm • Sunday: 11am-4pm 2011 APPLIANCE OFFER: Savings range 5%-20%. Excludes Electrolux, Jenn-Air®, Dacor, Fisher & Paykel, ?oor care, sewing machines, countertop microwaves, water heaters, water softeners, water ?ltration, air conditioners, air cleaners, humidi?ers, dehumidi?ers, accessories, closeouts and Everyday Great Price items. Extra 5% off cannot be combined with other Sears card discounts. Excludes Sears Commercial One® accounts and Outlet Stores. Sears Home Improvement AccountSM applies on installed merchandise only. Offers good thru 11/19/11. Colors, connectors, ice maker hook-up and installation extra. †Total capacity. PREMIER DEALER JA#111C011_301