September 17, 2013 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Wealthy, But Not Spoiled huh?” I'll admit it was kind of funny, but it was also a teachable moment. I looked at him and said, “I'm doing pretty good, but you're broke!” Dave That was a pretty consistent message around the Ramsey household as the kids were growing up. If you're not working and making your own way, you've got nothing. The second thing is we BY DAVE RAMSEY Dear Dave, How do you make sure you don't spoil your child when you're wealthy? — Ryan Dear Ryan, I know this will sound mean to some people, but you simply explain to them that they are not wealthy. I remember a time years ago, after we'd gone broke, that we managed to scrimp and save and finally had a little bit of wealth. We bought a nice car and my son piped up from the back seat, all smug and satisfied, “We're doing pretty good, RAMSEY trucktrailerinc.com TRUCK TRAILERSD East Hwy. 50, Yankton, 605-665-7952 2014 DAKOTA ALUMINUM GRAIN TRAILER • AIR RIDE SUSPENSION • 11 HR 24.5 TIRES • SHUR LOK ROLL TARP • 5 YEAR WARRANTY $31,600.00 taught them, from a very young age, was to work. That can start with simple things like kids cleaning up their rooms or doing the dishes after dinner. It should carry over to the teenage years as well. Every able-bodied child should be working and earning money, whether it's their own entrepreneurial idea, at a store in the mall or babysitting. The third thing we did was based in our faith. As evangelical Christians, we taught our kids that we don't really own anything. It all belongs to God, and one of our jobs is to wisely manage the things He entrusts to us. The first rule is to take care of your own household — the important stuff. After that, it's okay to have some nice things, but it's not all about pleasure. It's also about giving and extraordinary levels of generosity. Teach them to work. Teach them to be givers. And gently remind them once in a while that they've got nothing until they go out and earn it. — Dave A ROUGH LESSON Dear Dave, My dad opened a credit card account in his name a few years ago to help with my college bills, and he made me an authorized user. Now he's delinquent on the card and I'm receiving collection calls and notices. Do I owe the credit card company money? — Steve Dear Steve, No, an authorized user is not liable. The account is in your dad's name, and you didn't sign anything. He's the one legally responsible for the money owed. I want you to be careful, though. Lots of credit card companies will badger people and use all kinds of pressure and guilt trips to try to collect money from people who don't owe them anything. They just want their money, and they really don't care who writes the check. Get them to remove you as an authorized user today. Send them a letter demanding this via certified mail, return receipt requested, so you'll have proof. Also, make sure they understand that you'll sue them for about $10 million if they don't comply immediately. You shouldn't be reported to the credit bureaus for any of this, but companies can report just about anything— even inaccurate information— to the bureaus. You have rights as a consumer, and you are not legally liable for credit card debt when you're just an authorized user. But make sure you check your credit report regularly in the future. Some of these companies make a habit of repeatedly downloading misinformation to the bureaus in an effort to bother and bully people into paying debts they don't owe! — 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 2100 Broadway, Yankton • 665-3412 2 Day Sale! Friday & Saturday, September 20th & -21st While Supplies Last – Sorry No Rain Checks Honey Suckle White Frozen 1 $ 28 Turkey Breast Hy-Vee Russet Limit 2 Please Potatoes Lb. Limit 2 Please Del Monte Natural Fruit Cups Hy-Vee Bakery Fresh Baked 10/ 10 $ Ham 1 $ 98 9 Water Added Wine & Spirits Karkov Vodka Suave 12 Oz. 1.75 Ltr. 1 $ 19 Body Wash Lb. Crest 4-6 Oz. Toothpaste 99 Delicious & Easy Hy-Vee Frozen Heat-N-Eat Soup Hy-Vee’s Kitchen Chicken Pack Assorted ¢ M&M & 10/$ 5 Twizzlers 4 Mars Bars e r Chees Chedda Nuggets $ 428bs. L 7 ed Bread ACKS! GO J lla ozzare M Sticks $ 8L8s. 2 b 7 Beer Battere d Onion Rings $ 58 2 5 .5 Lbs. 3/$ Strawberry Read & Recycle! 16 Oz. Brownie Mix 99 When Jim Kennedy uses his big backhoe, a crowd usually gathers. He's an artist, you see. He runs his massivetoothed monster gouging holes in the backyards of his neighbors, putting in their pipes and even the occasional swimming pool, and does it with the grace of a surgeon. At Bud McFarland's place the other day, he was there to install Bud's new septic tank. This was to be a massive septic tank, Bud said, "big enough so if I want to put in a hotel, I don't have to worry." It was a balmy day in May, past coffee time, and the backhoe master was at work. Bud was standing there watching Jim work his digging magic in the backyard, along with half a dozen others, including us. Now and then Jim would just do something to show off his skill. At one point, when Jim's backhoe cut through a buried tree root, there was about a footlong section of root lying alone at the bottom of the hole. "Hey," Bud yelled at Jim, good-naturedly, "firewood!" Jim grinned and reached his long steel arm down into the hole, gently picking up just the one piece of wood, lifting it out of the hole, and delivering it to Bud's outstretched hand as though it were the crown jewels. As we watched, Jim lifted the massive concrete vault of the septic tank and placed it gently in the hole. Then his helper hooked a chain to the septic tank lid and Jim lifted this into the air and swung it over the hole. But instead of lowering it, Jim stopped the machine in mid stride and hollered at the new septic tank owner. "Hey Bud!" he yelled, "Got any bodies you want to hide?" The perfect place for a murder victim. Agatha Christie didn't even come up with that one. You have to admire professionalism wherever you may find it. ------Preview the Home Country Minute television spot at http://youtu.be/yWSo9PpG3C c. Then have your local station email shaunriley1961@hotmail.com for details. 8 Piece Also Includes Herb Roasted & Chicken Strips Chocolate Milk 78 3 Lb. Pkg. Crisp-N-Tender Betty Crocker ¢ SAVE $1.00 Chicken Tortilla, Chicken Noodle, Wisconsin Cheese, Cheddar Potato, Cream Of Broccoli Land O’Lakes Tru Moo Pint Carton 5 Lb. Bag Banana or Pumpkin Bread 20 Oz. Loaf $ 99 Fresh Sliced Hy-Vee 98 $ 99 1 $ 88 7 $ 99 6 ¢ 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. Valu Pak Super Pretzels ¢ 6 $ 98 18.3 Oz. Limit 4 25 Count Box Tailgate Appetizer Each S! O HUSKER G Whole le! Sa ped Batter Dip r Cauliflowe $ 88s. 2 Lb 4 Mushrooms $ 48 5 2 Lbs. Looking for something different? Find the job you’ve always wanted in the Help Wanted Section of the Missouri Valley Shopper! Cream Cheese Jalapeno Poppers 7 $ 88 2 Lbs. SHOPPER MISSOURI VALLEY