October 8, 2013 • Page 2 shop online at www.missourivalleyshopper.com Dave Says This Is Your College Fund arate savings account and agree to match whatever she saves. That way, if she can put aside $3,000 to $4,000, with the match she’ll have a pretty nice car. But in my mind, college is the most important thing here. If you guys can afford these contributions, and she wants to go to college and will hold up her end of the deal, you can work together as a family and make the idea of a college education a reality! — Dave BY DAVE RAMSEY Dear Dave, Our daughter is 11 years old, and we save $50 a month for her. Right now, we’ve accumulated $4,200 for college, a car or just savings in general. Should we be investing this money, instead of putting it in a savings account? Dave RAMSEY –– Jill Dear Jill, If I’m in your shoes, I’d choose college as the focal point over the other things you’ve mentioned. My advice would be to move that money into a 529 Plan with mutual funds inside. That way, it will grow tax-free from this point forward. Then, if you continue to set $50 a month aside for her for seven more years— and the stock market averages 11 to 12 percent—you’d have about $16,000 sitting there when she turned 18. That wouldn’t fully pay for college, but it’d be a great start. Plus, she can apply for scholarships and grants and work and save to help make it happen. As far as a car is concerned, I’d set up a sep- SHOULD WE STOP PAYING COMMISSION? Dear Dave, Should families who are struggling to pay off debt still give their kids commissions for doing chores? –– Steve Dear Steve, Yes, but it doesn’t have to be a lot of money. Kids seldom get paid an amount that is equal to what the chore is worth. To be perfectly honest, the chores most kids do—especial- WANTED ly the little ones—aren’t worth that much. I wouldn’t pay a kid five dollars a day, or even per week, to feed the dog. I mean, it takes less than 30 seconds to scoop the food into the bowl! When it comes to paying kids commissions for chores, the biggest thing we’re trying to do is find teachable moments. We want the kids to learn that money is tied to work. Then, when they have some money, we want to teach them about the three uses for money—spending, saving and giving. Teaching them wise ways to do those three things while you’re teaching them to work is the key. And you can do that for a small amount of money. — Dave EMERGENCY FUNDING Dear Dave, How long should it take someone to fully fund their emergency fund? –– Chris Dear Chris, On average, building an emergency fund takes six months to a year. It takes about 18 to 24 months for most people to pay off all of their debt, except for the house. That’s if they’re Make Your Move now - and enjoy the heated garage this winter! Buying all types of SCRAP IRON Farm Machinery • Cars & Trucks References Available • Top Market Prices Paid Home: 402-945-1512 • Cell: 402-533-3640 In our part of the country, fall means deer hunting. Many of us will dress up like a pile of leaves, go out into very cold weather, and sit still until we freeze to death. Why? Because we want to have some venison this winter for the family. We’ll figure out how much the venison costs us … but only at gunpoint. Because this is not the most fiscally sane thing we do each year. Sanity would send us to buy some really tender beef to eat. Where’s the glory in that? No, there are still a lot of us who would rather go out and find the meat and bring it home. And we spend a lot of money each year, and read lots of books and magazines, and talk endlessly about techniques. It doesn’t appear to be a rational way to live, but when you apply science, history, anthropology and Darwinian theory, it still doesn’t make any sense, but at least now you sound more educated talking about it. Doc’s awfully good at that. When the subject came up the other day at the IMPROVE WORKING CONDITIONS FOR YOUR FEET. FREE SOCKS SALE! In stock. 6” & 8” styles. Up to 4E wide & size 15 in stock. Available in Safety & Non-Safety Toe. Boston 3rd • Yankton • to Boots Shoes 665-9092 312 W. K&K Iron & Metal 2205 Burleigh • Yankton, SD c HEADQUARTERS! Luxury Apartments for Rent Several apartments will be coming available soon. Call Jim Tramp Introducing the NEW NAPA Radiator Program • Great Parts • Great Warranty Cox Auto gazelle intense, and have no life other than getting control of their finances. Baby Step 1 is saving $1,000, and not paying extra on your debts until you have that money in the bank. Once you’ve got a $1,000 starter emergency fund, then your list all of your debts except the house from smallest to largest and attack them with a vengeance. All you do is work and pay off debt until you clean up the mess. Once that’s done, you move on to the next Baby Step, which is adding to your emergency fund until you have three to six months of expenses set aside. Most people can accomplish that in six months to a year. There are always various factors involved because everyone’s situation is different. But in most cases, if you approach my plan with the kind of intensity I talk about, you can become debt-free except for your house and have a fully-loaded emergency fund is place in just two or three years! — Dave 661-2192 On-Hand & In-Stock! www.jwtramp.com for photos/information. NO WAITING! 1007 Broadway Ave. • Yankton • 665-4494 To Our Ag Customers Best Wishes For A Bountiful Harvest! BUY YOUR OWN CYLINDERS!! Linweld / Matheson Cylinders No Lease No Deposit 70.19 ACRES CHARLES MIX COUNTY LAND AUCTION We will offer the following land at auction at Jct of 291st Street and 403rd Avenue located from Wagner SD, 6 East, 5 North, 2 East and 1 North on: TUESDAY, OCT. 22ND 10:00 AM The real estate consists of 70.19 acres (+ or -) of unimproved Farm Land/ Hunting Paradise. The FSA office reports that this tract has 39.86 acres tillable which includes 2.75 acre food plot areas and 5.59 acres of alfalfa (new seeding 2012) and the balance in creek bed, pasture/hayed land and trees. This land layes level to rolling with the predominate soil types are Homme-Ethan-Onita Complex, Betts-Ethan Loams & Clarno-Ethan Loams and it has a productivity index rating of 58. This is truly a bed & breakfast for wildlife including deer, turkeys, pheasants & others. Many trophy deer where shot on this tract. This tract receives a $ 763.00 annual CRP payment. The annual real estate taxes are $ 612.80. We invite you to view this tract at your convenience. For pictures and Buyers Info Packet visit our website @ www.wiemanauction.com or call 800-251-3111 and we will send one to you. LEGAL: The SE 1?4 of the NE 1?4 and Government Lot 1 in Section 2-96-62 except Lot R1 in Charles Mix County SD. TERMS: Cash Sale with $ 20,000.00 nonrefundable down payment on sale date and the balance on January 3, 2014. Warranty deed will be provided, title insurance will be utilized and cost split 50/50 between buyer and seller. Seller will pay all 2012 & 2013 RE Taxes, the buyer to pay all 2014 RE Taxes. Full possession granted for 2014 crop year. Sold subject to confirmation by the owners. Wieman Land & Auction Co., Inc. is representing the sellers in this transaction. DOUGLAS & ADELIA CUKA, OWNERS 605-481-1124 Wieman Land & Auction Co., Inc. Marion SD 800-251-3111 Rich & Gary Wieman, Brokers Kevin, Mike & Derek Wieman and Ron Leitheiser, Assoc. Broker Website: www.wiemanauction.com Dale L. Strasser Attorney At Law Freeman SD 605-925-7745 Closing Agent One & two bedroom apartments. Scotland Apartments, 821 Main St. Scotland, SD 57059. Laundry. Rental assistance available to those who qualify. For appointments or applications please call 605-624-5218 or visit www.oakleafpm.com. Equal Housing Opportunity Plow Like You Mean It! Factory Trained & Certified Snowplow Dealer Christensen Radiator & Repair Where the deals are! Sales & Service 1918 Locust, Yankton south of mall 11/2 blocks 665-3549 COUNTRY FORD Dept. Service STOP IN FOR ALL YOUR WELDING SUPPLY NEEDS Vanderhule’s • 605-665-7413 924 Broadway Ave. • Yankton, SD Office Hours: Monday - Friday 8-5 morning meeting of the world dilemma think tank (held daily at the Mule Barn truck stop since the Hoover administration) Doc said there was actually a very clear scientific reason for it. “In cave days,” he said, “only the best hunters lived to sire children. The others ate weeds and died a sorry death. So we come from a solid line of successful hunters. We’ve been running around clubbing things to death for about two million years that we know of, and we only started agriculture about 12,000 years ago. So if you divide this and carry the one … well, another way to look at it is … if man emerged from the trees a year ago, he was nothing but a hunter until 18 hours ago.” “Makes sense,” said Dud, “think I’ll buy some of that Autumn Fandango camo this year.” -----When’s the last time you heard a watch tick? Time for a free hearing test? Call BELTONE at 1-866-867-8700. $ $ 95 95 39 or less Synthetic Blend Oil Change • Tire Rotation & Pressure Check • Brake Inspection Fluid Top-Off • Battery Test • Filter Check • Belts & Hoses Check • Multi-Point Inspection Retail purchases only. Up to five quarts of Motorcraft® Synthetic Blend oil and Motorcraft oil filter. Taxes, diesel vehicles and disposal fees extra. Hybrid battery test excluded. See participating dealership for vehicle exclusions and details. Expires 605-589-3362 Toll Free at 1-888-877-5035 12/31/13. Open Located 1 Mile West Monday-Friday 8-6 of Tyndall, SD on Highway 50 Saturday 8-3 YOUR HOMETOWN LOCALLY OWNED DEALERSHIP!