October 15, 2013 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Resentment For The Family Loan resentful toward Dear Dave, your I borrowed $30,000 aunt. from my aunt to buy a This is condo eight years ago. We the deal had a deal that she would you get her money back, plus signed a piece of the profits, up for, when it sold. If there were and she Dave no profits, she would get did nothback her original $30,000. ing Recently the condo sold wrong. and I lost the money I put Wanting into it, plus my aunt’s her money back now isn’t money as well. I make good greedy or malicious on her money and don’t have any part, and it’s definitely not other debt, but I’m a little worth putting a family relaresentful now that she tionship at risk. wants me to pay her back. I know what you’re Do you have any suggesthinking, because it’s just tions? —Christine human nature. You just Dear Christine, went through a lot, and the I don’t want to be mean, situation didn’t work out as but you have no right to be BY DAVE RAMSEY RAMSEY put y ou adve r rtising 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 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 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 coachwhich is me-told 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 together. “Oh no,” I said, out loud. “What’s the matter?” Bob asked. “I see you’re planning a subdivision here.” Bob started laughing when I pointed at the signs. “Those are for the owners,” he explained. “They live Back East and visit here one weekend a year. When they get out here, they take the pickup and drive around and get lost. “Once I got a call on the cell phone from the owner, who said he was lost and couldn’t find his way back to the house. So I asked him where he was and he said he was right there, sitting on a rock and close to a pine tree.” He chuckled. “That narrowed it down to about 13,000 acres. Well, I managed to find him, and after that, I put these signs up. I tell them now, if they get lost, to drive until they come to Home Road and then head downhill. It solved the problem.” -------Is the TV too loud for others? Maybe it’s time for a free hearing test. Don’t miss out on the sounds of life, call BELTONE at 1-866-867-8700. 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 forget 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 grown-up 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 I was invited recently to join Bob Milford, manager of the prestigious Diamond W Ranch, on a drive-around tour of the place. It’s a huge, private ranch, with tiny exlogging roads winding around through 13,000 acres of pine trees and rocks. A real paradise. But I was horrified to see wooden street signs nailed to trees wherever two of these old logging trails came 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. On the CCCCutting Edge You need the right tools to stay ahead in business. One of those tools is creative, competitive advertising. We can help you buzz by your competition with custom graphics and copywriting from our experienced staff. SHOPPER MISSOURI VALLEY 319 Walnut St., Yankton, SD • 665-7811 Save Up To $ 3550 with manufacturer’s rebates and utilities rebates Get more MUSCLE for your money with a classified ad! SHOPPER MISSOURI VALLEY 319 Walnut St., Yankton, SD 605-665-5884 605-665-5884 Missouri Valley Shopper Classifieds IN PRINT & ONLINE To place your ad, call: ALL WHEEL DRIVE Up To 5 Years Financing Available** **Certain restrictions apply. With purchase of qualified air conditioner or heat pump system. 2011 Chevy Equinox LT Full Power, 66K Backup Camera Remote Start • White Very Sharp $19,900 HEATING & COOLING 920 Broadway • 665-9461 Tony and Donna Ellis • 605-665-3720 • 1200 Ellis Road, Yankton, SD 57078 • AT AUCTION • 160 ACRE IMPROVED GAYVILLE TOWNSHIP, YANKTON COUNTY LAND OFFERED AS 3.61 ACRES IMPROVED & 156.39 ACRES BARELAND TRACTOR - ACREAGE ITEMS - GENERATOR - ANTIQUES - HOUSEHOLD As we have retired, we will sell the following on the farm site located at 31349 - 450 Ave, Gayville SD or from Gayville SD, go 1 1/4 miles west on Hwy 50, then 2 1/2 miles South on 450 Ave or at the Jct of 450 Ave and 314 St on WEDNESDAY, OCTOBER 30TH 10:30 AM REAL ESTATE • 12:00 NOON PERSONAL Ridge Kitchen Lunch Wagon REAL ESTATE: To be offered as 3.61 Acres Improved - 156.39 Acres Bare Land or 160 Acre Unit! The acreage improvements include a 1982 Custom Built 2 or 3 Bedroom Ranch Style Home 30’ x 42’ (1260 Sq ft) with attached 26’ x 26’ Garage. There is a full finished basement (tiled with sump) with oak woodwork and cabinetry, newer electric heat pump and central air, 6” walls, Anderson windows and much more! Out buildings include a Behlen All Metal Quonset Machine Shed 51’ x 62’ with 2 - 20’ Sliding Doors; Coop 6000 Bu and 2 Butler 3200 Bu Grain Bins, older 20’ x 26’ Double Garage, other storage buildings plus a 65’ well with submersible pump. Annual taxes are $1241.16. A quiet peaceful country setting! LEGAL DESC: Tract A in SE 1/4 and the East 334’ of the South 23’ of NE 1/4 of Section 2793-54, Yankton County, South Dakota. The 156.39 Acres currently has 141.16 Acres that are tilled (farmed) and the balance in waterway - trees and road right of way. The topography is level, has great eye appeal, a clean tract, well farmed - managed. According to Agri Data Inc., this tract has a productivity rating of 76.5 and powerful soils including Fa Forney Silty Clay Loam, Be - Blake Silty Clay Loam, Ob - Owego Silty Clay Loam and Ld - Luton Silty Clay. Current taxes are $3727.42. It would appear that this farm could be easily irrigated! Note: Acreage Buyers - Farmers - Investors, check out this great offering! For an informational auction packet, call our office at 800-251-3111 or visit www.wiemanauction.com LEGAL DESC: The SE 1/4 except Tract A in Section 27-93-54, Yankton County, South Dakota OPEN HOUSE: Tuesday, October 15th 3:00 to 5:30 PM and Tuesday, October 22nd 3:00 to 5:30 PM TERMS AND CONDITIONS: On acreage – Cash Sale with 15% downpayment on sale day and the balance on December 2, 2013 with possession. The bare land, 20% down payment on sale day and the balance on contract for deed, full payment on January 3, 2014 with 1.5% interest. Warranty title to be given and owner’s title insurance will be used. Seller to pay the 2013 taxes due in 2014. Sold subject to any easements or restrictions of record and the owner’s confirmation. Come prepared to buy! The bare land is cash leased for 2014 crop year, so landlord possession will be given. Sold subject to the one year land lease. CLINTON & DARLIS KASER REVOCABLE LIVING TRUST • 605-665-9243 Wieman Land & Auction Co., Inc. Gary & Rich Wieman, Land Brokers Mike, Kevin & Derek Wieman, Assoc. Brokers Marion SD 800-251-3111 www.wiemanauction.com Dale Strasser Closing Attorney Freeman SD 605-925-7745 605-665-5884 Hartington Tree Service Tree Trimming • Removals/Transplanting Evergreen Shade & Ornamental Trees For Sale Serving SE South Dakota & NE Nebraska for 17 years w w w .h a rtin gto n tree.co m K yle & K en t H o ch stein • (4 02)25 4 -6710 Snow Thrower Tune-Up Special - $44.99 INCLUDED IN TUNE-UP: - CHANGE OF OIL - REPLACE SPARK PLUG - GENERAL CLEANING - ADJUST SKIDPLATES & SCRAPER BAR - PICK UP AND DELIVERY AVAILABLE (ADDITIONAL CHARGE) - ALL MAKES AND MODELS SERVICED - NO APPOINTMENT NECESSARY FOR DROP OFF * See Store for Complete Details. Kopetsky’s Hardware 2404 Broadway, Yankton • 605-260-2813 • kopetskysace.com LARGE ESTATE LARGE ESTATE T T AUCTION AUCTION SAT SATURDAY, OCTOBER 26, 2013 •10:00 A.M. ATURDAY, OCTOBER Paul & Norma Bennett Estate - Winner, SD Winner, Personal Representative: Lori Amende (605) 391-7412 Auction will be held in Winner, SD at the Tripp County 4-H Building located at 815 West 12th Street. The 4-H building is located 10 blocks south of the Wild West Steak House which is on US Hwy 18. Watch for the auction arrows. This will be a very large auction and we will be using two auctions rings most of the day, so make sure you bring a friend so you won’t miss a thing. Note from Dan: Hi folks, I just wanted to invite all of you to the Paul & Norma Bennett Estates auction, which is comprised of a large collection of antiques and collectibles. The overall quality & quantity at this auction is really something to see. This auction will SELLING: Glassware, Pottery, Crocks, Books, , y Pictures, Advertising Memorabilia, Enamel Ware, Records, Celebrity and Cartoon Character Collectibles & Memorabillia and much more! See danclarkauctions.com for a vast number of photos & item details. This auction is being conducted by Dan Clark Auctions Sales – Winner, SD Winner, r 1150 Auctioneers: Dan Clark (605) 842- 1150 or 842-6075 or guest auctioneers Brad Gran (605) 208-5671, Mike Nuss – (308) 631-3972 & Val Jark – (605) 226- 2520 Val