July 3, 2012 • Page 2 shop online at www.missourivalleyshopper.com DAVE SAYS: No Emergency Fund Means Living On The Edge Dear Dave, My husband and I are in pretty good shape ?nancially. We make about $250,000 a year with about $50,000 in the bank and no debt, and we’ve set aside money for our children’s college funds. Currently, we owe $70,000 on our home. I want to use $40,000 of our savings to pay down the house then rebuild our emergency fund. My husband disagrees. What do you think? Kelly Dear Kelly, You’re right about one thing. You guys are in really good shape ?nancially, partly because of planning and wise choices. The problem I see is this: What if you have an emergency but no 1000 emergency fund? You’re living on an income of a quarter million dollars a year, and that’s fantastic, too. But I don’t like the idea of you sitting there with just $10,000 in savings. In your world, $10,000 isn’t much at all. Baby Step 3 of my plan says that you set aside three to six months of household expenses. You guys could cheat a little bit, down to the three month side of things, but I still don’t think $10,000 will cover three months of expenses in your household. In my opinion, $10,000 is too low. But to be honest, $50,000 is probably a little much. I’d look at a number somewhere in the $20,000 to $30,000 Auctions - Public 1020 Sales SAVE Large 2-Party Auction, 6-30-12, 9:30am, Platte Center, NE. Antiques, Collectibles, Tools, Guns. Heesacker Realty, 402-920-0475. Machinery Consignment Sale, Mon., Aug. 6, 2012 at 9:00 A.M. Consign early by July 23, 2012 for complete advertising. Gilbert's Sale Yard, LLC, 641-398-2218. 2 Mi. N. of Floyd, IA On Hwy. 218. Tractor House Internet Bidding Available. www.gilbertsaleyard.com (MCN) Food - Beverage 65 Percent & Get 2 FREE GIFTS when you order 100 Percent guaranteed, delivered - to - the-door Omaha Steaks - Family Value Combo NOW ONLY $49.99. ORDER Today 1- 866-414-8037 use code 45069SQL or www.OmahaSteaks.com/fvc69 (MCN) 1100 Personals Messages Lose 7-15 pounds in 1 week guaranteed. Call or text me at (308)730-2747. When you ?nish reading, Please RECYCLE. • WANTED • range for an emergency fund. Then you could throw the remaining cash at the house. I mean, let’s face it. If you did that, with your income, you could roll up your sleeves and pay off the house by Christmas! —Dave Impulsiveness is not faith Dear Dave, My husband and I would like for me to be able to quit my job and stay at home with our kids. We’ve got a little money saved up, but we’re not sure we could make it on just his salary. The money would be very tight. In your mind, how do we know the difference between being ?nancially responsible and 1101 relying on God to provide? Michelle Dear Michelle, This is a great question! I admire the desire to be at home with your kids, and that you realize you can’t just act impulsively and call it faith. This is a concept that’s misused and misunderstood a lot. If you can’t make it on just your husband’s salary, then you’ve got to develop a game plan that involves a written monthly budget and some lifestyle changes. If you do this with diligence and sacri?ce, chances are you’ll be able to make this happen and not bankrupt your family. This could also mean that you start a small business on the side—something Announcements - 1101 Events Business Hours of The Missouri Valley Shopper are as follows: Monday through Friday, 8:00am-5:00pm. 319 Walnut St. (605)665-5884. Thank you for your continued business! Deadline is 12Noon on Fridays for the following Tuesdays MVS. PLEASE NOTE: This publication does not knowingly accept fraudulent or deceptive advertising. Readers are cautioned to thoroughly investigate all ads, especially those asking for money in advance or ads that sound too good to be true. THE MISSOURI VALLEY Shopper cannot verify the validity of any advertisements placed by anyone. Readers are advised to approach any advertisement with reasonable caution. Announcements - 1101 Events Horse Sale: Belle Plaine Western Exchange, Belle Plaine, IA. Next Scheduled Sale and Open Ranch Horse Show: Saturday, July 14th, 2012. Tack 10:00 a.m., Horses immediately following. Sale 2nd Saturday of every month. Upcoming Sale: August 11th. Check out our website for details and special sale announcements: www.westernexchange.com; Info/To Consign: 319-444-2320; email: bpwe@netins.net (MCN) WANT TO ADVERTISE TO THE MIDWEST? Place your classified ads in the Midwest Classified Network anytime online at www.midwestfreeclassifieds.com (MCN) Read & Recycle! Old Vehicles • Farm Machinery • Scrap Iron GOT A ROCK CHIP? Mobile Glass Service PAYING TOP DOLLAR We’ll come to your home or office for windshield repair or replacement Call 402- 841-1060 For Price RON’S AUTO GLASS 605-665-9841 1915 Broadway, Yankton, SD Ron Evans, Owner Over 20 Years Experience Schuurmans Farm Supply ALL PRE-OWNED MOWERS HAVE BEEN COMPLETELY SERVICED & READY TO MOW! Green Mountain Grills Brand NEW! No propane No Charcoal Just Hardwood Pellets Many Models Available! JD 145 Hydrostatic, 22HP, 48” Deck, 178 hrs. Preowned $1,400 you could do from home—to offset the difference. Having faith that God will provide requires study of the Scriptures. But God also tells us that you need the maturity and wisdom to plan your direction. The Bible says, “The diligent prosper. He who is impulsive exalts folly.” Folly is a fool in action. It’s kind of like the guy who closes his eyes, jumps in the pool, and hopes there’s water in there—and calls that faith. I love the idea of you coming home to be with your kids, Michelle. Just make sure you develop an intelligent plan, and mix intellect with faith. —Dave A-1 DONATE YOUR CAR! Breast Cancer Research foundation! Most highly rated breast cancer charity in America! Tax Deductible/Fast Free Pick Up. 800-771-9551 www.cardonationsforbreastcancer.org nani CARS/TRUCKS WANTED! Top $$$$$ PAID! Running or Not, All Years, Makes, Models. Free Towing! We're Local! 7 Days/Week. Call Toll Free: 1-888-416-2330 nani (feather, foam, down, etc.) In & Out the Same Day Friday, July 13th Link Auditorium • 5th & Capitol Doors are open from 8:30am-3pm Make your pillows look like new. Cleaned • Sanitized/Deodorized Refluffed • Germ Free selection of new pillows for sale & New Ticking (new material) Sponsored by CATHOLIC DAUGHTERS 712-378-2918 Add more flavor with wood pellets! This versatile cooker will grill, roast or smoke at a push of a button, all automatic temperature control. 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