December 17, 2013 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Missouri Valley Shopper Considering The Baby Timeline Classifieds BY DAVE RAMSEY IN PRINT & ONLINE Dear Dave, I’m in the military, and my wife and I have $13,000 in the bank along with $35,000 in a Roth IRA. We also have no debt, and we put $3,500 into our savings account each month. Our new baby is due to arrive in January, so do you think this would be a good time to buy our first home? To place your ad, call: 605-665-5884 Fred Haar Company in Yankton is proud to have Miles Lammers join their management team in Yankton. Miles has accepted the position of Service Manager and is assuming it’s duties immediately. Miles was raised on a farm east of Hartington, Nebraska and currently lives North of Crofton, Nebraska on an acreage. In 2008 Miles was hired to assist in the service department. Miles then enrolled and graduated from Northeast Community College in Norfolk, Nebraska studying Diesel Technology in 2010. Miles has been a full time technician since graduation. but combining that with a pregnancy could shoot your wife’s stress levels into the stratosphere. I really don’t think you want to do that to her. And speaking as an old married guy, it’s something you don’t want to experience, either. Dave Another thing to consider is if there’s a good chance you’ll be reassigned in the next four or five years. We work with the military a lot, and that means we see people who buy, and get stuck with, homes all over the country. These places usually become rental homes because they don’t sell quickly. And this is a situation you want to avoid because being a longdistance landlord is a real pain. If everything falls into place, you could easily have enough set aside for a big down payment a few months after the baby arrives. At that point, things will feel a little more settled. I know the temptation is great right now to move into a place you can call your own, but you want buying a home to be a blessing, not a curse. Take a little more time, and see how things feel career- and family-wise in a few months. That’s my advice. — Dave — Tom Dear Tom, Based on the market alone, it’s a great time to buy a house. Interest rates are fantastic, and prices are recovering but still buyerfriendly. However, considering your wife’s delivery date and the fact that it takes a while to find and complete the process of buying a home, I think I’d wait on this. Moving is stressful enough TRAILER TRUCK East Hwy. 50, Yankton, SD 605-665-7952 1990 VOLVO •DETROIT DIESEL - 450hp •9-SPEED TRANSMISSION •AIR-RIDE SUSPENSION $8,500 STOCKMEN’S LIVESTOCK MARKET, INC. We are in a seller’s market. If you’ve got calves, whether it be 3 or 300, I want to talk to you. Call today, we’ll gladly hook you up with buyers. We’re happy to come see your cattle and talk! Please help us congratulate Miles in his new position with Dear Dave, Is it better to keep your emergency fund in a certificate of deposit or a money market account? — Tiffany Dear Tiffany, Right now, a short-term certificate of deposit (CD) pays about the same as a money market account. The problem is you’re only going to make about 1 percent with either one. The good thing about a money market, though, is that there are no early withdrawal fees attached. In my mind, an emergency fund isn’t there for the purpose of making money. It needs to just sit safe and sound until it’s needed. It should also be in a program where it’s easily accessible and there are no stupid fees or penalties for simply using your own money. So, yeah, savings interest rates right now are aggravating. But you don’t have 3- or 4-percent-home-mortgage world without a 1-percent CD world. They kind of go together. Just remember that interest rates aren’t the end game when it comes to your emergency fund. You want three to six months of expenses just sitting there, waiting for life to happen. Trust me, it will! — Dave RAMSEY trucktrailerinc.com Miles has a girl friend in Fairhope, Alabama that he visits every available long weekend and holiday. Other interest include custom baling with his brother, hunting and riding his motorcycle. KEEP THE EMERGENCY FUND WHERE? PO Box 528 • 1200 East Highway 50 • Yankton, South Dakota 57078-0528 Office Phones: 605-665-9641 ~ 1-800-532-0952 • Fax: 605-665-9644 www.stockmenslivestock.com • stockmens@live.com Facebook: Stockmen’s Livestock Market, Inc. under normal circumstances, Interested in this spot? to... 2100 Broadway, Yankton Call 665-5884 to place your ad here. 2-3pm Yankton Children’s Choir in Concert Saturday, December 21 • 10-2pm Santa and Mrs. Claus are making a special trip from the north polek.to your Yankton Hy-Vee! 4P FREE Photos with Santa! NEW AND REDUCED LISTINGS 217 West Henry Freeman Friday, December 20-Saturday, December 21 Earn 25¢ on your Earn 50¢ on your EXTRA fuel saver card ¢ ¢ fuel saver card Fuel Saver when you when you purchase $50 purchase $100 Discounts! in groceries. in groceries. 25 The More You Shop, The More You Save! Short On Time? Stop By Our Food Court and Take Dinner Home! Friday & Saturday, Dec. 20 & 21 12” Single Topping M o ve-n r d y, 3 bed r o m , i ea o 1- 4 ba th.O pen fo o r pl n ! 1/ l a Tw o ga r ges! a Only $37,500 50 41941 Apple Tree Road Springfield Restrictions apply. Go to Hy-Vee.com for full conditions. We reserve the right to limit quantities. Yankton store only. Dec. 20-21, 2013 only. 2 DAYS TO SAVE! Dec. 20th & 21st While supplies last Sat., Scott Cottonelle Ultra Dec. 21 Paper Towels Toilet Paper 2pm-3pm 5 $ 99 $ 99 $ 00 4 $ 00 5 Facial Tissue Purex $ 00 6 $ 99 $ 2/$ 5 Want to Downsize Your Gas Guzzler? Pizza $ 00 Chinese Express 1 Entree Meal Save $2.89 All You Can Eat Soup & Salad Bar 2 6 Count 6 8 Piece Bucket Bakery Fresh Jumbo Muffins 4 ct. 2/ 3 160 Count $399,000 9 Count Mega Kleenex Fried Chicken New and a sight to behold! 4 bedroom, 2 bath on 1.87 acres overlooking the Missouri. Improvements include decks, family room addition, 2 gas fireplaces, elevator, great room, game room, new landscaping. New windows and siding to be finished by seller. Includes sheds and some furnishings. Nothing else like it! 3 Zoey, our newest intern is working hard to win your heart. Pick up a jar of her homemade doggie biscuits at our office now through December 26. Enjoy your holiday season! Em m a Fren ch La ird 1701 Broa d wa y 6 05 - 6 16 2224 em m a l 325@ gm a i. m lco w w w. n k to n sa l co m ya es. 150 oz AUTOMOTIV E Find your answer in the Missouri Valley Shopper Classifieds – in print and online! Go to www.missourivalleyshopper.com or call 605-665-7811. Missouri Valley Shopper Classifieds 06 CIVIC. Ru ns great. 34 MPG, 30k mil es. Call Jim (605) 555-321 0.