January 3, 2012 • Page 4 shop online at www.missourivalleyshopper.com 1555 DAVE SAYS: Guilt and Cynicism Dear Dave, I’ve noticed that lots of people get defensive when it comes to talking about money and living on a plan. Why is this? Tonya Dear Tonya, I think it’s because there seem to be two negative emotions connected to people who have failed with money: guilt and cynicism. They feel guilty because they’re terrible when it comes to handling money, and they don’t want to talk about it. Cynicism may be more prevalent in people who feel like they’ve been messed over by some “money expert” out there. Maybe they got caught up in a deal that went bad, or they lost a lot of money following their advisor’s advice. The results can be they end up believing that anyone connected to the ?nancial arena is a bad, incompetent or manipulative person. If you’ve made mistakes with money, that just makes you human. Everyone alive has messed up ?nancially, and that includes me. I made mistakes with lots of zeroes on the end, but I managed to turn things around. Now, I’m running my own company based on those mistakes, how to ?x them and how to keep people from making the same mistakes I did years ago. Sometimes people just don’t want to be around others who are trying something new or different and winning in the process. Then, there are people in life— Baby Steps? Jennifer Dave RAMSEY I call them losers—who just don’t want anyone else to win, because it reminds them that they’re not winning. Being stuck around those kinds of people is no fun for anyone! —Dave Where do toys ?t in the Baby Steps? Dear Dave, When is it okay to have a little fun and get a boat or a motorcycle when you’re doing the If You read this you know… advertising pays! Call the Missouri Valley Shopper at 665-5884 665-7811 or stop by to place your ad today! 319 Walnut St. • Yankton SHOPPER hopper Missouri Valley MISSOURI VALLEY Dear Jennifer, I always recommend that folks complete the ?rst three Baby Steps before running out to buy a bunch of toys. Baby Step 1 is to save up $1,000 in the bank for a starter emergency fund. Baby Step 2 is to pay off all your debts, except the house, using the debt snowball method. Then, on Baby Step 3, we go back and fully fund the emergency fund to contain three to six months of expenses. After you’ve gotten this far, it’s okay to have a little fun and save up for a toy. But don’t forget about Baby Step 4, which is putting 15 percent of your income into pre-tax retirement plans, like mutual funds and Roth IRAs. Don’t neglect saving for college, either, if you have kids. That’s Baby Step 5. Baby Steps 6 and 7 are paying off the house early and building wealth and giving. Everyone likes having fun, and there’s nothing wrong with a few toys if you an afford them. Just make sure you don’t sacri?ce your ?nancial health for the shiny things! —Dave * For more ?nancial help, please visit daveramsey.com. 35TH ANNIVERSARY RED 2002 CAMARO COLLECT IT! DRIVE IT! HAVE FUN! 3.8L auto, full power, nice condition, previous Texas Car Own this BEAUTY for only $6500 Tony and Donna Ellis • 605-665-3720 • 1200 Ellis Road, Yankton, SD 57078 DAKOTA STEEL INC. Dogs - Puppies Animal Grooming (Monday-Friday) and Boarding, Veterinary Medical Clinic, 1603 Broadway, Yankton (605)665-9441. www.vetmedclinic.net. Set up your pet’s appointment for the holidays, we are YOUR ONE STOP Veterinary Shop. 1565 FACTO R DIRECT Y Call for Prices. “We Roll Our Own Steel For You We’ll Roll You a Deal” Bottom Dollar • Factory Direct • Wholesale Prices Post Frame Building Packages or Steel Sheeting 605-987-9080 • 605-987-4306 fax Boardwalk Apartments: Available soon: 2-Bedroom and 1-Bedroom with garages, furnished/unfurnished, month-to-month or lease. Access to hot tub and workout center. No smoking/pets. ( 6 0 5 ) 6 6 5 - 9 9 3 9 (605)661-0517. Canyon Ridge 1700 Locust 1-bedroom for elderly or persons with disabilities. Rent based on income. Equal Housing Opportunity. (605)664-8886 or Skogen Company (605)263-3941. Other Pets www.heartlandhumanesociety.net or call (605)664-4244. 1605 Apartments For Rent 2-bedroom apartment Between the 50?s 8th & Dakota. Rent based on income. Equal Housing Opportunity. (605)665-5909 or Skogen Company (605)263-3941. ADOPTIVE HOMES NEEDED for several kittens, dogs & puppies. See Heartland Humane Society at Apartments For Rent 1 and 2-bedroom apartments for rent in Irene and Volin. S&S Apartment Rentals. (605)263-3445. Deluxe 2-bedroom apartments with free Internet, water/garbage. Up and downstairs available. Beautiful Area. (605)661-3999. 1-bedroom, C/A, utilities with satellite TV included, partially furnished, parking space included, no pets/smoking, 213 West 3rd, $425/month. (605)665-4923/(605)665-2972. For Rent Village Green Apartments Yankton. 1 bedroom apartment available. Stove, refrigerator, utilities, furnished. Rent based on income. (605)665-0063 or 1-800-225-0564, TDD# 1-800-622-1770. Equal Housing Opportunity. 2 bedroom apartment in nice historic downtown building. Available in February 1st. Central air, some utilities paid. $375/month single or $425/month double. Free washer & dryer. No smoking/pets. Deposit/references required. Contact Leann at (605)665-5009 Monday-Friday 8am-5pm. For Rent: One and Two Bedroom Apt. for elderly or persons with disabilities at River Court Apt. 24 E. Duke, Vermillion. Hdc accessible. Must qualify by income. Rent based on income. Equal Housing Opportunity. 202-0008 or Skogen Company (605)263-3941. 2-Bedroom apartment, formal dining room, large kitchen, ground floor, washer/dryer on-site, C/A, garage, no smoking/pets, $575 month, plus electric and heat, 510 Walnut, Yankton (605)589-3609 or (605)464-1191 Immediate Openings Colonial Square Apartments Yankton. One and two bedroom apartments available. Stove. refrigerator, utilities furnished. Rent based on income. Must meet income guidelines. Call (605)665-9876 or 1-800-225-0564, TDD# 1-800-622-1770. Equal Housing Opportunity. 2-Bedroom Downtown Apartment. $375 per month, plus deposit and utilities. No pets. (605)660-8700. 2-bedroom duplex, stove/refrigerator, AC, washer/dryer on site, off-street parking, $475/month all utilities included. 601 1/2 Capital, Yankton. Call (605)589-3609 or (605)464-1191 for appointment. Large 1-bedroom apartment in Gayville. Some utilities included. Laundry facilities, off-street parking. No pets, lease, deposit and references required. Larry’s Rentals (605)664-9014 or (605)661-0987 after 5pm. AVAILABLE NOW Two bedroom apartments. HUD approved housing for low income families. Rent based on income. Close to shopping and schools. For visit, info and/or application call -605-660-8819 or toll free 1-877-521-8750 See Oakleafpm.com Re:Valley Park EHO. Small efficiency apartment near library. Portion of rent can be exchanged for labor. References (605)665-0954. YOUR RADIATOR HEADQUARTERS! Introducing the NEW NAPA Radiator Program • Great Parts • Great Warranty Cox Auto On-Hand & In-Stock! NO WAITING! 1007 Broadway Ave. • Yankton • 665-4494 Need a 2012 Calendar? ONLY ¢ 75 Canton, SD ! ! ! STEEL FACTORY ! ! ! • 29 Guage Steel • High Quality 100,000 P.S.I. 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