February 7, 2012 • Page 4 shop online at www.missourivalleyshopper.com DAVE SAYS: What Insurance Is Really A Necessity Dear Dave, I’ve got auto insurance, but can you tell me what other kinds of insurance are good to have? Chris Dear Chris, The purpose of insurance is to transfer risk that you can’t afford to take. Most people can’t afford to have a heart attack and triple bypass surgery. Having to pay for something like that completely out of pocket would bankrupt just about anyone. That’s why health insurance is a vital part of any good ?nancial plan. It’s also important to have auto, which you do, and homeowner’s insurance, too. If you don’t own a home, make sure you have renter’s insurance instead. Don’t forget about life insurance, either. If you’re married or have kids, you should carry eight to 10 times your yearly income in a good, 15- or 20-year level term life insurance policy. This means if you make $40,000, you should have about $400,000 wrapped up in life insurance. TRUCK MONTH NEW 2011 Dodge Ramn 1500 Crew Cab #5878: 4x4 SLT, Big Horn Matching Rebates MSRP.......................$40320 Rebate.......................$4000 Broadway Savings Discount.....................$6000 WOW 30,320 $ NEW 2012 Dodge Ram ST Quad Cab 4x4 #5940: 5.7 Hemi, Tow Pkg, Remote Entry Matching Rebates MSRP.......................$33760 Rebate.......................$3000 Broadway Savings Discount.....................$4000 WOW 26,760 $ NEW 2012 Dodge Journey SXT AWD #5924 & 5926: 3rd Row Seating, Uconnect, Popular Equip Group Double MFG Rebate MSRP.......................$29480 Rebate.......................$1000 Broadway Savings Discount.....................$2000 WOW 26,480 $ NEW 2012 Avenger SXT “Excellent Fuel Saver” #5854: Uconnect, 18” Wheels Sporty MSRP.......................$22900 Rebate.......................$3000 Broadway Savings Discount.....................$1500 WOW 18,400 $ NEW 2011 Chrysler Town & Country L “Beautiful” #5844: Leather, Duel DVD, 17” Pol. Alum. Wheels 3 to Choose From At This Price MSRP.......................$36090 Rebate................................. Broadway Savings Discount.....................$6100 WOW 29,990 $ NEW 2012 Jeep Patriot Sport 4x4 “Spacious” Double Plus Rebate Savings MSRP.......................$22720 Rebate.........................$500 Broadway Savings Discount.....................$1225 #5917: All Weather Group, Automatic, Power Value Group, A/C 20,995 $ NEW Jeep Grand Cherokee Laredo 4x4 Awesome SUV MSRP.......................$31820 Rebate.......................$1000 Broadway Savings Discount.....................$2290 #5933: Laredo E Pkg., V6 28,530 $ Long-term disability insurance is vital. The cheapest way to get this is in a group. If you buy it yourself, out on the open market, you’ll ?nd that the rates are based more on your occupation than your age or health. So, if you ?y a desk, it’ll be a lot cheaper than if you work with your hands. And don’t forget long-term care insurance. You need “nursing home insurance” the moment you turn 60. It will also take care of you in your own home. The statistical probability of needing it before age 60 is about one percent, so I’d wait until then to buy longterm care insurance. This kind of insurance can make sure you get the kind of care you want in your declining years. Plus, it can keep your nest egg with you and your family and out of the hands of the nursing home! —Dave Land investment Dear Dave, My wife and I make Love at first drive! RAM TRUCK MONTH t Tes r Ou l a Met No Urea Needed On Our Diesels with 800 Ft. Lbs. of Torque about $85,000 a year. We’re debt-free, and we have no kids. We’d like to start saving money to buy some land in the near future. What percentage of our savings should we put toward this? Dennis Dear Dennis, I don’t know if there’s necessarily a speci?c percentage for this kind of thing. Since you guys are already debt-free you need to make sure that you’ve got a fully-loaded emergency fund of three to six months of expenses in place, along with retirement funding. In your case, anything else you have sitting around is simply wealth. If you’ve got $50,000 Dave RAMSEY sitting in a savings account in addition to these things, and you’d rather have $50,000 worth of dirt instead of a bank account, I’m cool with that. It’s really more a matter of ratios than percentages. —Dave * For more ?nancial help, please visit daveramsey.com. We Pay CASH on the Spot! Furniture, electronics, tools, bikes, fitness equipment, lawn mowers, etc. River City Tool & Pawn 21st & Broadway • Yankton • 665-3588 February Clearance 50% off 20%- Regular Price of EVERY PAIR of Boots and Shoes Boston Shoes• 665-9092 to Boots 312 W. 3rd • Yankton QUALITY PREOWNED VEHICLES #5666C: 1996 Ford Ranger 4x2, white, 153,394 miles..................................................................................$1,995 #5836A: 1999 Chevrolet Silverado, extended cab, 4x4, gray, 93,492 miles................................................$8,300 #5887M: 1999 GMC 1500 Ext. Cab 4x4, white, 79,031 miles........................................................................$7,994 #5943B: 2000 Ford F-150 Ext. Cab 4x4 XLT, red, 164,606 miles..................................................................$6,995 #H1005A: 2001 GMC Sonoma RC 4x2, auto, white, 73,190 miles................................................................$5,995 #Y2066A: 2002 Chrysler Town & Country LX, quad seat, white, 110,264 miles.........................................$5,995 #5791B: 2002 Chevrolet Silverado 4x2, silver, 225,395 miles......................................................................$2,999 #Y2027A: 2002 Buick Rendezvous AWD, blue, 136,073 miles.....................................................................$5,999 #Y2030A: 2002 Dodge Neon SE, beige, 113,160 miles.................................................................................$4,412 #Y1875A: 2003 Honda CR-V EX, black, 170,568 miles.................................................................................$5,998 #5887B: 2004 Chevy Blazer LS 4x4, very clean, bronze, 126,626 miles.....................................................$6,995 #Y2078: 2004 Dodge 1500 Reg Cab 4x2, white, 69,360 miles......................................................................$9,995 #Y2039A: 2004 Buick Rendezvous, FWD, white, 69,777 miles....................................................................$7,995 #Y2035B: 2004 Chevrolet Venture, white, 110,373 miles..............................................................................$5,258 #5870B: 2004 Dodge 2500 Reg. Cab Diesel Stick 4x4, red, 130,901 miles...............................................$17,995 #5895A: 2005 Dodge Grand Caravan, beige, 100,954 miles........................................................................$5,994 #5861A: 2005 Ford F250 Super Duty Crew Cab Lariat, 96,681 miles........................................................$17,999 #5846B: 2006 Chevrolet Impala LT, purple, 153,334 miles...........................................................................$6,495 #5779A: 2006 Chevrolet Silverado Crew Cab DRW 4x4, red, 224,554 miles............................................$12,995 #5894A: 2006 Dodge Grand Caravan, red, 92,180 miles..............................................................................$8,994 #5807A: 2007 Chrysler Town & Country, silver, 62,056 miles....................................................................$10,930 #5907A: 2007 Chrysler Town & Country, silver, 61,237 miles....................................................................$12,999 #5906A: 2007 Jeep Wrangler X, white, 27,908 miles...................................................................................$17,998 #Y2040A: 2007 Mazda MAZDA6I, red, 54,077 miles....................................................................................$11,994 #Y2032A: 2008 Chrysler Town & Country, blue, Limited Swivel + Go, 57,675 miles...............................$19,655 #5778B: 2008 Hyundai Sante Fe, FWD, silver, 38,947 miles......................................................................$16,995 #5809A: 2008 Mini Cooper S, silver, 29,198 miles......................................................................................$16,499 #Y2016B: 2008 Yamaha 1300V Star, silver, 1,724 miles................................................................................$5,995 #5903A: 2009 Dodge Ram 1500 Quad Cab 4x4, 60,382 miles....................................................................$20,995 #5938A: 2010 Dodge Ram 3500 Mega CAb Diesel 4x4 Laramie, red, 58,338 miles.................................$39,995 #H1001: 2010 Chrysler Sebring, white, 36,421 miles.................................................................................$11,998 #Y2065: 2010 Chrysler Town & Country, white, 34,483 miles....................................................................$17,999 #Y2049: 2010 Dodge Caliber SXT, red, 37,880 miles..................................................................................$12,555 #Y2004: 2010 Dodge Caliber SXT, orange, 38,660 miles............................................................................$12,999 #Y2067: 2010 Dodge Charger SXT, red, 40,396 miles.................................................................................$15,586 #Y2011A: 2010 Ford Edge Sport, black, 15,990 miles................................................................................$24,772 #5961A: 2011 Dodge Ram Crew Cab 4x4 Outdoorsman Pkg, white, 27,946 miles..................................$28,995 #Y2063: 2011 Chrysler Town & Country, beige, 27,588 miles....................................................................$20,997 #Y2056: 2011 Dodge Caliber, heat pkg, orange, 28,662 miles...................................................................$14,444 #Y1898: 2011 Dodge Journey LUX, silver, 2,643 miles..............................................................................$24,994 #Y2023: 2011 Jeep Grand Cherokee Laredo 4x4, grey, 33,386 miles........................................................$22,995 #Y2057: 2011 Jeep Grand Cherokee Laredo 4x4, silver, 26,053 miles......................................................$24,974 2720 Broadway Ave., Yankton, SD SHOPPER MISSOURI VALLEY Want your business to be seen? Get your display ad here! Call 605-665-5884 Or Drop By At 319 Walnut St. watch for our CUSTOMER APPRECIATION coming to all KAYTON STORES February 20-25, 2012 (605) 665-8033 • 866-268-9514 www.broadwaychrysler.com CALL — Chris Orwig • Brian Bauch Garrett Conn • Tyler Steffen • Tyler Schrant Kayton Int., Inc. Web Site: www.kaytonint.com