February 28, 2012 • Page 4 shop online at www.missourivalleyshopper.com DAVE SAYS: Get Your Priorities Straight First Dear Dave, My husband’s company recently told everyone that massive layoffs are coming, and they should start looking for other jobs. Right now, all of his options are out-of-town. A real estate agent told us we’d have to remodel our kitchen in order to sell the house. We’ve got $3,500, but remodeling would take about $2,000. Should we get a second mortgage to get the work done? Pamela Dear Pamela, You might want to get another opinion. Sure, a new kitchen would be •Vehicles • Farm Machinery • Scrap • WANTED Iron Old PAYING TOP DOLLAR Call 402- 841-1060 For Price nice, but is that the endall, be-all? Either way, there’s no way I’d go into debt to make this happen. Your house isn’t even on the market yet. There’s no reason to ?x up a house that’s not for sale, especially when you only have $3,500 to your name! There is, for sure, a ?nancial storm brewing on your horizon. Start right now living on rice and beans and saving up piles of cash to build a bigger umbrella. Wait until he actually lands another job before you make any big decisions. What if something pops up where you are? If you end up moving, then you might take $2,000 from savings to ?x up the kitchen and get the house sold. Don’t do it unless you’re going to pay cash, though! You don’t want a second mortgage hanging over your heads, making everything even more dif?cult. —Dave Leave The 401(k) Alone! Dear Dave, My husband has been transferred again in his job. Right now, we have three houses and about $60,000 in other debts. He just found out that he can borrow against his 401(k) without hardship at the beginning of the year. Is this a good idea? Yvonne Dear Yvonne, Three houses? Do you buy a new house every time you move? You guys need to stop doing that. The “other debt” isn’t the problem. It’s those houses that are killing you! I would never recommend that someone borrow against their 401(k) just to pay bills. It might be a different story if you were facing foreclosure or about to ?le bankruptcy, but that doesn’t sound like the case here. I think you’ve just made some really bad decisions, and these decisions are following you around and messing up everything else. Most of the time in situations like this I have to say: “Sell the car!” In your case, it’s: “Sell the Dave RAMSEY houses!” I know the market isn’t great in some areas, but these things are eating you guys alive. You’ve got to put some effort into getting rid of them. Then, start living on a really tight budget and clean up the other debt! —Dave * For more ?nancial help, please visit daveramsey.com. Northeast Nebraska Bridal Show & PROM EXPO 2011 Friday, March 2nd and Saturday, March 3rd, 2012 PREMIER DEALER Friendly Service at Your Local Sears Hometown Store. SAVE UP TO March 4, 2012 12-4p.m. % 25 Skylon Ballroom OFF ® ALL KENMORE APPLIANCES PLUS % 10 PLUS OFF KitchenAid & Whirlpool APPLIANCES ® ® % 15 PLUS EXTRA Free ion s SAVE ON ALL OTHER APPLIANCE BRANDS OFF is Adm 320 S. Robinson, Hartington, NE Runway Show 3 p.m. ALL APPLIANCES $499 & ABOVE WITH YOUR SEARS CARD Kenmore® savings range 5%-25%. Exclusions apply. See below for exclusions. Offers good thru 3/10/12. OR NO INTEREST IF PAID IN FULL IN 18 MONTHS** on any appliance over $499 when you use a qualifying Sears card does your vehicle have **Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 18 months or if you make a late payment. Offer good thru 3/10/12. See below for offer details and Important Deferred Interest Details. Excludes Outlet Stores. OR FREE STANDARD DELIVERY on all appliances over $499*** In Participating Stores. Instant Savings. No Rebate. ***Offer good thru 3/10/12. See below for important offer details. EXTRA †† 5% OFF OR NO INTEREST CUSTOMERAPPRECIATION event HAIL DAMAGE? ††† IF PAID IN FULL IN 12 MONTHS ON FITNESS EQUIPMENT, SPORTING GOODS, LAWN & GARDEN, MATTRESSES, TOOLS AND ELECTRONICS PURCHASES OVER $299 WHEN YOU USE A QUALIFYING SEARS CARD NO WAITING! See below for exclusions and offer details. Offer good thru 3/3/12. Yankton Sears Owned & Operated by: Toby & Kerry Woehl STORE NAME 2901 Broadway, Yankton • 605-665-7861 Monday-Friday: 9am-6:30pm • Saturday: 9am-6pm • Sunday: 11am-4pm APPLIANCE OFFER: Kenmore® savings range 5%-25%. Offers exclude 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 15% off cannot be combined with other Sears card discounts. Excludes Sears Commercial Accounts® and Outlet Stores. Sears Home Improvement AccountSM applies on installed merchandise only. Offers good thru 3/10/12. **No interest offer applies to appliances over $499 after discounts and coupons when you use a qualifying Sears card and account is kept in good standing. Excludes Outlet Stores. Offer good thru 3/10/12. ***Free standard local delivery on any appliance over $499 in participating stores after discounts and coupons. Standard delivery includes delivery within the local delivery area Monday through Friday and delivery not requiring additional services or time. Retail value is $25-$79.99. Additional fees may apply. Customer pays an additional charge for non-standard delivery. Local areas and non-standard delivery charges vary. Excludes all built-in refrigeration. Free delivery on Home Appliance products is not available on items purchased using the Sears Monthly Payment Plan. See store for details. Not valid in Outlet Stores. Offer good thru 3/10/12. CUSTOMER APPRECIATION EVENT OFFER: †††Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months or if you make a late payment. Minimum payments required. Offer good thru 3/3/12. See below for Important Deferred Interest Details. No interest offer applies to ?tness equipment, sporting goods, lawn & garden, mattresses, tools and electronics purchases over $299 after discounts and coupons when you use a qualifying Sears card and account is kept in good standing. Excludes Outlet Stores. Offer good thru 3/3/12. ††Save an extra 5% when you use or apply for a Sears card, subject to credit approval. Excludes Sears Commercial One® accounts and Outlet Stores. Sears Home Improvement AccountSM applies on installed merchandise only. Savings will be automatically deducted from the purchase price. Savings off regular, sale and clearance priced merchandise only. Not valid on closeouts, introductory offers, Everyday Great Price items, Weber®, electronic purchases under $299 (is calculated on purchase price less all coupons, discounts and reward certi?cates, not including tax, installation or delivery), video game hardware, Bose®, Onkyo, prepaid calling cards, Sony DSLR®, Sony camcorders, Sony lenses, Nikon DSLR®, Nikon lenses, computers, tablets, eReaders, electronics offers cannot be combined with other electronics Sears card offers, Sealy Brooks Point, Stearns & Foster, Legato; Serta Audrey, Gazelle, Adrienne; Simmons Alton, Brampton; iComfort mattresses. 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, home appliance accessories, Parts and Repair Centers and catalog orders. Offer good 2/26/12-3/3/12. IMPORTANT DEFERRED INTEREST DETAILS (when offered); Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. With credit approval, for qualifying purchases made on a Sears card (Sears Commercial One® accounts excluded) Sears Home Improvement AccountSM valid on installed sales only. Offer is only valid for consumer accounts in good standing and is subject to change without notice. May not be combined with any other promotional offer. SEARS CARDS: As of 1/2/2012, APR for purchases: VARIABLE 7.24%-27.24% or NON-VARIABLE 14.00%-29.99%. MINIMUM INTEREST CHARGE: UP TO $2. An Annual Membership Fee of up to $59 may apply. See card agreement for details. Sears cards are issued by Citibank (South Dakota), N.A. Sears Solutions cards are issued by HSBC Bank Nevada, N.A. SATISFACTION GUARANTEED OR YOUR MONEY BACK: Exclusions apply. See Sears Return Policy for more details. 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