January 14, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Humility, Gratitude And Contentment BY DAVE RAMSEY Dear Dave, Do you have any advice for teaching responsibility and generosity to adult children and grandkids when it comes to money? — Justin Dear Justin, I think there are Dave three key factors when it comes to teaching children of any age about these concepts-humility, gratitude and contentment. In my mind, humility is where gratitude comes from, and gratitude leads to contentment. I’m generous to my adult children, but they have no sense of entitlement. That’s due to their personal humility. They don’t feel that I owe them anything, and they already know that anyone who cops an entitlement attitude gets cut off. You’re no longer qualified for my generosity when you lose your gratitude. You’ve got to spend time talking to kids about these things. Otherwise, you run the risk of them counting on the income. Here’s an example. We coach some family businesses at my company, and the best family businesses are the ones that teach non-employee family members who receive money from the businessdividends from the profitsnever to live on those dividends. I’ve seen lots of cases where someone will start living on the business they don’t work in, and they immediately start feeling entitled to the money. The same principle applies in your situation. If someone starts saying, “Well, since mom and dad are paying for our daycare, we can use that money we would have spent to buy a car.” That means they’ve started counting on mom and dad’s generosity to live, RAMSEY and that’s a form of entitlement mentality. None of our kids receive any kind of financial help from us at all, unless they’re already carrying their weight in their own lives. That’s not being cold. It’s teaching responsibility and selfreliance. Now it would be different if one of them developed a serious medical issue or something like that. But the whole idea that mommy and daddy have lots of money, and I can just get some from them? That doesn’t fly in our family. You have to teach them character and giving in order for them to be valid recipients. Plus, it’s all about the kids’ attitude. But you’ve got to talk about it often and communicate the value system out loud. The gifting and generosity are contingent upon the humility that leads to gratitude that leads to contentment. — Dave NOT QUITE READY FOR A HOUSE Dear Dave, My wife and I just bought One thing about cold: it drives folks indoors. But in some cases, it also can provide entertainment, enlightenment, laughter and education. We’re not talking your local PBS station, here, but Alphonse “Windy” Wilson. This time of year, Windy becomes a seasonal member of the Mule Barn truck stop’s world dilemma think tank, and usually sticks around until things thaw out. And this morning, Windy’s unique approach to the English language took on the weather outside. “Boys, I gotta tell you. This cold transmits me reversely to the winter of ’47. Cold? It thicklicated your blood so much you could hardly walk. You remember it, Doc? Ol’ Miller at the dairy had to ignitiolize a fire under the milk separator to liquinate it. Why, even the dickie birds got refrigelated up and crashed! “You boys know about them engine heatilations, right? Well, it was so cold we were obligatored to pre-heat the blamed firewood before we could burn it. Diesel trucks were immobilating up at sixty miles an hour and it still took them a mile and a half to stop. “Some of the women were knitling up sweaters that would fit two people, just to take advantage of the body heat. Dang near caused epilemic divorce, ‘cause the husband wanted to go one way and the wife another. I tell you, it was parsimonium! It was blame near four days and nights erstwhile an ol’ he-coon down ‘long Lewis Creek recomnized he’d been treed by the hounds, ‘cuz the dogs’ bawling frosticated up concretely afore he could hear it.” Windy paused for a sip or two. No one wanted to interrupt. “Some winters,” Windy said, “just take the former limitarions to obliqueness!” Yeah. We’d always figured it that way, too. ---------Can’t hear Windy butcher the English language? The first step is a free hearing test. Call them up and ask. Beltone. 1-866-867-8700. www.missourivalleyshopper.com EHRESMANN ENGINEERING a business with cash. We had been living with my brother and sister-in-law while we saved up, and things are starting to get a bit cramped. My brother has offered to co-sign on a house for us, but rent is pretty cheap in this area. What do you think we should do? — Peter Dear Peter, You need to forget about a house and plan on renting for a while. You just bought a business, and at this point you don’t even know if it’s going to be successful. Plus, if you need a co-signer to buy a house, car or anything else, it means you’re not financially ready for that purchase. Take some time, maybe two or three years, to get your business up and running. Go find a decent, inexpensive place to rent then pay off any debt you have while saving up as much money as possible. I want you to have a nice house one day, Peter. But you’re just not ready now. A house should be a blessing, not a burden. — Dave For All Your Steel Needs! STEEL SPECIALS Ready for snow? We Are! • Flat Bars • Solid Bars • Angle Iron •Channel Iron • Round, Square & Retangle Tubing • Many More types of steel to choose from We Want to be Your Steel Supplier Get your cold weather gear here. HUGE selection to choose from! 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Cab, 4x4, SLT, Local Trade ..................................................................... $10,900 2005 Chevy Avalanche, Sunroof, loaded, local trade, 87,000 miles............................................... $14,900 2004 Ford F-150 X-Cab, 4x4, XLT, Local Trade...... $12,500 1997 Chevy K1500 Silverado, Local Trade ............. $4,750 1997 Nissan, Great MPG, Local Trade .................... $3,650 1994 Ford Ranger X-Cab XLT , Local Trade ........... $4,450 Heavy Duty Trucks 2005 Ford F-250 X-Cab, XLT, Diesel, Local Trade.. ................................................................... $18,760 2004 Ford F-350 Crew Cab, FX4, 1 Owner, loaded Local Trade ..................................................................... $15,900 2001 GMC Sierra X-Cab SLE Duramax, diesel, local trade, 2WD .......................................................... $9,900 2001 Ford F-250 X-Cab, XLT, powerstroke, Local Trade ..................................................................... $13,900 1994 Chevy K2500 X-Cab, Local Trade................... $3,950 1991 Chevy R3500 3+3 Centurion, 1-Ton Duelly, very clean, 1 owner, 89K miles ........................................... $6,900 Special Interest 2004 Harly Roadking Custom, Lots of Extras Local Trade ..................................................................... $9,900 Many NEW Cars & Trucks to choose from! 605-589-3362 Toll Free at 1-888-877-5035 Your Hometown Locally Owned Dealership! WWW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.NET WWW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.NET WWW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.NET For more information or to view call, 402-395-2243 Albion, Nebraska STOCKMEN’S LIVESTOCK MARKET, INC. Tuesdays: 9 a.m. - Weigh Up Cattle Noon - Feeder Cattle 2:30 p.m. - Fed Cattle 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. Auction Sunday, January 19, 2014 at 12:30 pm National Guard Armory (603 Princeton) Vermillion, SD Lunch served Silver 2004 Ford Explorer XLT, 4d, 4wd, remote start, leather seats, newer tires, 140k miles. For more info call Joe 606-661-7264. GUNS: Stevens 20 ga. 3 in pump/cricket, .22 mag Black-Syn NIB/ Russian Nagant WWII 7.62 x 54R/savage mod. 93 Woodstock .22 mag, Bolt accur trigger w/ Barska scope NIB, blank rev .22 cal NIB/ Butler Derringer .22 short,brick of .22 shells. Guest: Trinkets, bells, collector plates, roasters, VHS tapes, electric heaters, golf care tires & wheels, 4 oil lamps, silver sets, coal buckets, power horns, ?shing rods, bayonets. Dennis Sues- John deere riding mower (grass catcher), 12 ft step ladder, trim-a-break, stereo system w/record player, air compressor, shampoo polisher, vacuum, microwave, paint shaker, table w/3 chairs, dehumidi?er, hand sprayer, 2 outside benches, chain binders, power washer, pry bar, come-a-long, jack stands, lawn edger, misc shovels, rakes, cob forks, old sled, post driver, water hose, steel posts, air hose, log chains, folding ladder, porter cable, cement siding shear, hammer drill, drills, hydraulic jacks, electric motors, hand tools, 27 shingle toe kicks, dry wall screw driver, electric dry wall driver, bisket joiner, electric polisher, concrete nail loader, airless sprayer, bolt cutter, chain saw, transfer pump, hedge trimmer, spray texture gun, shaper saw, planner joiner saw, workbench on wheels, snapper lawn mower, Honda motor, MTD 8 snow blower w/cab. Bob Johnson- Remington model 11-48 12 ga auto shot gun, Pioneer model 27 auto 22 ri?e, Remington model 870 pump 12 ga shot gun, old kitchen cabinet, table, drop leaf table, chairs, headboards, bed frames, dishes, electric heaters, fan, dehumidi?er, water pump, kerosene lamps, 3-lightning rods w/cable, old washer, Poulan pro 16” chainsaw, misc. Guest- Budweiser neon sign, Budweiser steins, hummels, 4-gal Redwing churn, 12 gal Redwing crock, wildlife prints, cameras, misc. coca-cola items, Norman Rockwell plates and pictures, baseball/football cards, sports bobbleheads, airplane pictures and books, Van Briggle pottery, RamRill pottery, carnival glass, military uniforms, misc knives, sponge ware bowls, much more. Marcy Lund- 4 piece bdrm set w/king bed, king bed w/chester drawers, 2-twin beds(spreads & sheet sets), 2-end tables, blue sofa, tv stand, 2-blue recliners, ?ling cabinet, 3-king bedspreads, 4-sets of king sheets. Joyce Fredrickson- couch, desk, hutch, table w/4 chairs, glide chair, 2 book cases, misc kitchen goods, microwave, end table, TV w/stand, lamps, walker, misc. pictures, misc glassware, ?ling cabinet, suitcase, blankets w/pillows, drop leaf table, wood bed frame. Madsen Auction Service Gary Madsen 605-638-0643 Hazen Bye and Jim Brady