June 25, 2013 • Page 2 shop online at www.missourivalleyshopper.com From The Publisher Dave Says A Change Is Here Resentment For The Family Loan BY GARY L. WOOD ing obsolete or not being able to compete in The Webster today’s marDictionary’s definition ketplace. So, of the word “change” as you will is “to undergo transsee with this formation, transition, issue of the or substitution.” But, Missouri it seems for too many Gary L. Valley people, the word Shopper, we change is a four-letter are once word (it looks like six again seeing letters to me, but who’s a change in how we present counting?). As many of you the printed version of the know so very well, change Missouri Valley Shopper to has become a constant part our readers and advertisers of life and business nowaalike. As you have probably days. We see changes in noticed the width of the how our government opershopper has expanded and ates (that’s another story the height of the pages has for another day) and also increased by over five changes in how businesses inches. The reason for this operate and the effect that change is to provide both has on us. As we have seen our readers and advertisers through the years, many with a paper that is much businesses that are not will- more appealing to the eye. ing to undergo change, tran- With a change in production sition or even a complete capabilities, we now have transformation are those the potential to publish full that find themselves becom- color on every page and, as P&D OWNER AND PUBLISHER WOOD you will see in this issue, we have color everywhere. In fact, you will see full color on every page. I think you’ll find this to be a very welcome change to the Missouri Valley Shopper, your shopper, and help to enrich your experience with us. We hope you enjoy the change as much as we’ve enjoyed creating the opportunity to better serve you, our readers and advertisers. As we continue to embrace change in our business, we hope you’ll embrace it with us. So I would like to personally thank each one of you for reading and welcome your comments, in this ongoing and ever changing experiment we call the free paper business. By the way, did you know you can read past issues of the Missouri Valley Shopper online at www.missourivalleyshopper.com? Check it out and again let us know what you think. If you don’t get the word out about your business, no one else will!!! READY FOR SUMMER! 1998 Pontiac Firebird - V6 Auto, Full Power 79K miles Black-Black Read & Recycle! Advanced Asphalt Services Dear Dave, I borrowed $30,000 from my aunt to buy a condo eight years ago. We had a deal that she would get her money back, plus a piece of the profits, when it sold. If there were no profits, she would get back her original $30,000. Recently the condo sold and I lost the money I put into it, plus my aunt’s money as well. I make good money and don’t have any other debt, but I’m a little resentful now that she wants me to pay her back. Do you have any suggestions? —Christine Dear Christine, I don’t want to be mean, but you have no right to be resentful toward your aunt. This is the deal you signed up for, and she did nothing wrong. Wanting her money back now isn’t greedy or malicious on her part, and it’s definitely not worth putting a family relationship at risk. I know what you’re thinking, because it’s just human nature. You just went through a lot, and the situation didn’t work out as planned. Plus, it doesn’t sound like your aunt is hurting financially if she put $30,000 toward helping you in the deal. Part of you is thinking she has plenty of money, so why doesn’t she just forgive the debt and forDave get about everything? If you were barely scraping by, I might suggest that you sit down and talk with her over a cup of coffee, explain the situation and ask her to forgive the debt. Right now, the little girl part of you is whining, “Oh, come on. Just let me go!” But the grownup Christine knows better. That part of you is whispering, “You know what to do...” Pay her back as quickly as possible, and get this bad deal behind you for good. You said you make good money, so just take care of your responsibility. It’ll hurt some, but it’s better than taking a chance on ruining the relationship with a very generous and loving aunt. —Dave RAMSEY Dear Dave, I’m working on my debt snowball, and I’m trying to settle with a pushy collector. I don’t have the $9,000 I owe, but I have $3,000 I’d like to offer as a settlement. Recently the collector has started asking for a lot of information I don’t feel comfortable providing. What should I do? —Daniel Dear Daniel, Lots of times in these GOT A ROCK CHIP? 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MORE Bred for calving ease & growth. Performance tested, guaranteed. Out of top bloodlines in the Angus breed. Call: Hauger’s Stock Farms IRENE, SOUTH DAKOTA Robert: 605.263.3771 or Steven: 605.263.3774 TH E SU M M ER Grills Call Classi?eds 665-5884 Registered Angus Bulls For Sale Schuurmans Farm Supply PREOWNED Dave Ramsey is America’s trusted voice on money and business. He’s authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. JANITORIAL SERVICES: SERVING YANKTON AND SURROUNDING AREA SINCE 1994 Hot Mix Paving • Chip Seal • Seal Coating Pot Hole Patching • Crack Sealing kinds of situations collectors are trying to gather up as much information as possible in order to sue you. Even if that’s not the case here, there’s no reason for you to be supplying them with a bunch of extra info. Just offer them the $3,000, and make it clear that your financial coach-which is metold you not to answer any more of their nosy questions. Make sure they understand that your offer of $3,000 stands as a settlement of the debt today. If they’re willing to accept the offer, get a statement in writing saying that the $3,000 represents payment in full before you cut the check. If they choose not to accept your offer, and they keep asking questions that are none of their business, just tell them to call back when they’re willing to discuss terms. Then, hang up! —Dave • Horse Arenas • Private Drives • Unpaved Roads • Elevator Access • Free Estimates 605-384-3201 Cell: 605-491-2133 PETS ADORABLE PUGGLE. 2 years old. L ooking for a loving home . Call Gin a (605)555-321 0. Missouri Valley Shopper Classifieds