July 16, 2013 • Page 2 shop online at www.missourivalleyshopper.com Dave Says She Wanted To Be A Blessing BY DAVE RAMSEY Dear Dave, My mom died a few years ago, and she left me an inheritance of $60,000 in stock. She was always investing and saving money. I could sell this and be debtfree while still having plenty left over, but I feel like I’ll lose a part of her if I do this. Do you have any advice? —David Dear David, I didn’t know your mom, but from what you’ve told me, it sounds like she was a pretty smart and responsible lady. I don’t visualize her as the kind of person who would’ve Dave said, “I’m going to leave you this stock. Always keep it and never cash it out, no matter what happens.” RAMSEY Men’s & Women’s Walking, Running, Waterproof Boston Shoes• 665-9092 to Boots 312 W. 3rd • Yankton A gift like this is someone wanting to bless another person with some of the good they accomplished in this world. It’s your mom’s way of giving you an opportunity to have a better life. In my mind, the best way for you to have a better life is to use the money to become debt-free then use the cash that used to go toward debt payment to invest. I know you loved your mom, but I think you’ve given this stock more power than she gave it. You’ve gotten her blessing, and that was to be a blessing to you. You know, you can be a blessing to others in lots of different ways. She just accomplished it with the stock. Honor your mom and go be debt-free today. The time is now! —Dave Dear Dave, My husband and I are in our 60s, and we don’t have long-term care insurance. It would cost us $8,000 a year at this point, and our annual income is $200,000. Do you think we should get this type of coverage? —Toni Dear Toni, I’m a strong proponent of long-term care insurance once a person turns 60. Prior to that age you have less than a one percent chance of spending time in a nursing home, so I wouldn’t spend a dime on it until then. A lot of agents and companies try to sell long-term care insurance to people who are 40 or 50 years old, and I just don’t believe in that stuff. But once you hit age 60, your chances of using it increase almost daily. At that point, it’s a smart buy, and you’ll get a great return on the investment. Eight thousand dollars annually is a lot of money, but nursing home costs can run $50,000 a year. My advice, Toni, is to buy long-term care insurance. I believe in having this type of coverage, even if you can afford to pay for care out of pocket. It takes a lot of stress and worry out of growing older. Most ladies outlive their husbands, and a frequent scenario is that the man goes into the nursing home and drains the nest egg to pay for everything. Of course, this can happen the other way around, but I’m sure neither of you wants to leave the other in a bad situation. —Dave 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. GOT A ROCK CHIP? Mobile Glass Service We’ll come to your home or office for windshield repair or replacement RON’S AUTO GLASS 605-665-9841 1915 Broadway, Yankton, SD Ron Evans, Owner Over 20 Years Experience Schuurmans Farm Supply 5 miles West of Tyndall on Hwy. 50 Corner of Hwys. 50 and 37 www.schuurmansfarmsupply.com Ph. (605) 589-3909 or Cell (605)464-1113 AUCTION 2 BEDROOM RANCH STYLE HOME 06 CHEVY IMPALA CAR – MOWERS – SNOWBLOWER - LAWN CARE – HOUSEHOLD ANTIQUES – FURNITURE – MISC. HURLEY, SD As I have moved to the Pioneer Memorial Nursing Home I will sell the following Home and Personal Property located at 603 Washington St., Hurley SD (East Part) on: THURSDAY, JULY 25TH 4:00 PM Ridge Kitchen Lunch Wagon REAL ESTATE (SELLS 1ST ) Consists of a 1957 vintage 2 bedroom, 1 story (1064 sq. ft.) ranch home with breezeway and attached 14’ x 22’ garage situated on a 88’ x 165’ lot. The floor plan includes kitchen with birch cabinets and dining area, large carpeted living room, full bathroom w/shower, 2 good sized bedrooms with closets, storage, 10’ x 14’ breezeway. There is a full unfinished basement with FA fuel oil furnace, central air and drain tile. This home has a great lot, assorted trees, nice yard with an east frontage. This is a well constructed, comfortable home, that needs some updating – interior decorating and at present time has 1 basement wall that is bowed in a little. To be sold “as is”. If you are handy – check this home out. Assessed value is $ 52,845.00 and taxes estimated at $ 1,275.00 yearly. Remember the home sells at 4:00 PM To inspect the home call Roger Petersen 605-321-3190, Wayne Petersen 605-212-8460 or Gary Wieman 800-2513111. LEGAL DESC: The South 88’ x 165’ of the NE 1?4 of Outlot 18, City of Hurley, Turner County SD TERMS: Cash Sale with $ 3,000.00 down payment on sale day and the balance on or before August 25, 2013 with possession. Owner’s title insurance will be used (cost split equally) and warranty title to be given. Taxes to be prorated. Sold “As Is” and subject to the owner’s confirmation. Come Prepared to Buy. Personal Property – Cash – Check – Credit Card Sale Day For some pictures visit: www.wiemanauction.com CAR 2006 Chevy Impala LT, 4 door car, 35,400 miles, silver color, V6-Auto, loaded, very sharp. ANTIQUE ITEMS RW 6 gal crock churn; RW 20, 15, 5 gal. crocks; 5 and 3 gal. pickle crocks; 5 – 1 gal. crocks; 2 hall trees; oak drop leaf table; mantle clock; milk strainer; radio; scale; 3 drawer dresser w/CI pulls; enamel items; rinse tub; corner shelf; 4 dining chairs; kerosene lamp; Royal typewriter; TV lamp; records; blue fruit jars; egg case; galvanized pails; surely some surprises to be found! HOUSEHOLD – FURNITURE Kenmore 2 dr. refrig. (white-like new); Emmerson microwave; Samsung 330 flat screen color TV (rarely used); New VCR; New Eden Prairie electric heater; Eurecka and Kirby upright vacuums; New BD vac; Westingtonhouse 5 C.F. chest freezer; dehumidifiers; several heaters; several fans-some on stands; kitchen electric appliances; dishes; utensils; silverware; kitchen table w/ 4 chairs; end tables; assorted lamps; older living room furniture; card table; folding chairs; blond 3 pc. bedroom set (double bed); radios; file cabinet; 3 – stools; assorted bedding-quilts; floor lamps; chest of drawers and matching vanity dresser w/mirror; storage cabinets; electric typewriter; Mahogany desk; Hamilton electric dryer; folding coat rack; assorted chairs; lots of fruit jars; wheelchair – handicap items; canners; tape recorder; kerosene heater; lots of small household items; MOWERS – SNOWBLOWER – TILLER – TOOLS – MISC. Ariens 8 Hp snowblower; 2 – Snapper 8 Hp riding mowers; Lawn Chief 3.75 Hp 21” mower; Huskee 5 Hp 18” rear tine tiller; 2 – electric leaf blowers; Pro Force air compressor; floor jacks; alum. Ladder; 2 – step ladders; 14’ straight ladder; comealong; block-tackle; snow rakes; hand sprayer; fertilizer spreaders; weed eater; shovels-rakes-forks-garden tools; lawn care items; garden hoses; Nelson tractor type sprinklers; bench grinder; 4” grinder; power tools; Die grinder; carpenter and hand tools; chisels; 1?2” Cummins drill; sump pump; pipe wrenches; parts organizers-loaded; broom; drill bits; 2 new snow tires; flood lights; trouble lights; saw horses; caulk guns; electric motors; 26” boys bike; moving cart; 3 gal. water jug; ice chest-cooler; sockets-hand wrenches; leaf rakes; garden items; hand saws; snow blade; Parker lawn sweeper; golf clubs w/bag; Wieman Land & Auction Co., Inc. Gary & Richard Wieman, Brokers Marion SD 800-251-3111 DALE D. “BUZZY” CHRISTENSEN, OWNER 605-766-5464 “That Harley Jacobsen,” said Doc, grinning and shaking his head. He waved his empty cup toward Loretta, who brought the pot over. “What’d Harley do now, Doc?” “He came in the other day, looking good. Relaxed, happy. I’d been after him for some time to take a vacation and get away from the farm and just have some fun. So he and Gladys went on a trip to England.” “No kidding?” Dud said. “Did Gladys have to use whips and chains to get him away from the farm?” We all laughed, because Harley is one of those 24/7 farmers. There’s always something to do, and he knows he was put here on earth to do them, every day. And farm? Well, it’s said he could grow wheat on rocks and hair on a bald man’s head. “How’d he like England?” “Loved it. He told me about seeing the block where the heads were lopped off hundreds of years ago, and the kings’ and queens’ crowns, and the guards on their horses around Buckingham Palace. I think he was jealous of all the rain they get over there, too.” “Always the farmer,” said Steve. “Oh yes,” said Doc. “Always. But get this … Harley and Gladys were on this tour, you know, and they saw the Greenwich clock. That tour guide said, ‘This is the famous Greenwich clock. All the world gets its time from this very clock.’ “So what does Harley do? Pulls out his five-dollar Bullseye pocket watch and says to Gladys, ‘Not bad. Ain’t but two minutes fast, too.’” ————Brought to you by the folks at Nosler … ammunition and rifles that set the world’s standards. www.nosler.com HERE’S YOUR CUE ...to advertise in the Classifieds and get results Bargain hunters know one of the best places to shop for goods and services is in the classifieds! Whether you’re looking for sporting goods or a seamstress, horses or handicrafts, you can find it all in the classifieds! Call us today! SHOPPER MISSOURI VALLEY 605-665-5884 605-665-7811 319 Walnut St., Yankton, SD