March 11, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Check Cashing For The Unbanked untry Slim Ran One of the great pleasures of hanging around down at the livestock auction barn each Saturday morning is being able to take your dog along. Why do we go to the sales barn? We love agriculture, and it’s part of living here to see who buys what and rejoice in their good fortune, even if our own grass is stressed to the limit by whatever varmint we’re currently feeding. Or, it could be that we figure we’ve already lived too long, and if the right horse or cow comes through there, and we buy it, our wives will see to it that we don’t suffer in agony for untold years. This weekly auction is a treasure house for our dogs. It’s a dog’s day out, a chance to scrounge under the bleachers for dropped hot dog portions and the occasional sweet bun crust. It’s a chance for them to get reacquainted with dog buddies and to check out any new pickups in the parking lot whose tires have not yet been properly baptized. My coonhound loves it. She had done her munching, scrounging and socializing and was curled up under my truck, waiting for me, as we were getting ready to leave. Dud’s blue heeler was flitting around in the bed of his pickup truck, guarding against anything that might deign to trespass. And Doc had a new dog, of non-obvious parentage, on a leash, which meant he was not yet broken in to sales barn etiquette. Once he got used to it, and had been introduced to the other dogs, he’d fit right in and the leash would be history. “What kind of dog is that, Doc?” we asked. “Why, he’s an Egyptian shepherd.” “I never heard of an Egyptian shepherd. Does he work cattle?” “Nope.” “What’s he do?” Doc grinned, “He makes pyramids in the back yard.” -------------------Have you seen “Home Country Minute” on television? Here’s a little sample for you. http://youtu.be/Vqlv_xuIuA Thank You How can we say Thank You for all our community has done to support us during Brian’s cancer diagnosis and through his months of treatment. Words do not seem to be adequate. Thank you to Fr. Fulton and the Parish Council who orchestrated the Waf?e and Sausage Breakfast. Thank you for all who volunteered to work, donated or came for food and fellowship. It has been a dif?cult year but the support and love from this community has been a huge comfort. We are deeply moved by your outpouring of kindness. Want your business to be seen? Get your display ad here! Call 605-665-5884 Or Drop By At 319 Walnut St. WWW.COUNTRYFORDSALES.NET Dear Dave, I know you hate payday loan companies. Do you feel the same way about check-cashing companies? — Brian Dear Brian, Check-cashing companies are not Dave a good deal, but they’re nowhere near as bad as payday lenders. All check-cashing businesses do is charge a fee to cash a check. Honestly, it’s kind of silly to me that places like this can make money when all you have to do is walk into a bank and open an account. But there’s a percentage of our population that people in financial circles call “unbanked.” This means they avoid banks for whatever reason, but in the process they leave themselves susceptible to bad deals like this. So I don’t feel the same way about check-cashing companies as I do about payday lenders. It’s still not a financially smart move to pay a storefront operation a fee just to cash a check, but these businesses aren’t nearly as abusive as payday lenders. — Dave LETTING KIDS MAKE MONEY MISTAKES - WWW.COUNTRYFORDSALES.NET 2013 Ford Fiesta SE WAC qualify for all rebates! 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Starting at ...........................$13,900 Open Monday - Friday 8-5:30 Saturday 8-1:00 Located 1 Mile West of Tyndall, SD on Highway 50 605-589-3362 Toll Free at 1-888-877-5035 WWW.COUNTRYFORDSALES.NET Dear Dave, My 6-year old son has saved up $400. He said he wants to buy a motorcycle with it someday, but he recently changed his mind and wants to buy a computer tablet. Is it okay for him to change his mind like this, and how should I handle things? — Christina Dear Christina, I’m not really concerned whether it’s a motorcycle or a tablet, especially if he’s saved his own money. I think the big thing we’re looking for in all this is a teachable moment. Certainly regret is a concern, especially with a kid so young. But the reality is that neither the decision nor the possible regret afterward will ruin his life. If you talk to him and try to advise him beforehand, and he gets upset later because he feels like he made the wrong choice, it gives you the opportunity to step in and gently say, “I’m sorry you think you made a bad choice, but that’s why I wanted you to really think about it first. You had a chance to listen to mom’s wisdom and didn’t. I’m sorry you feel sad now, but I want you to remember it and learn something from this bad decision.” It’s a process of controlled pain and natural consequences. One of my daughters did something similar years ago when we went to an amusement park. All the kids had a set amount of money for the day, and we warned them not to spend it too soon. She turned around and blew all her money on carnival games, then she spent the rest of the day whining while her brother and sister rode the rides and had lots of fun. We didn’t give her any more money, but a controlled amount of pain taught her some valuable lessons that day. She learned to listen to her mom and dad, she learned that carnival games are a rip-off, and she learned to control herself a little bit and think things through. Allowing kids the emotional dignity of making some decisions for themselves is vitally important. You just have to make sure this liberty is supervised and comes with parental warnings and protections. Just because they saved the money doesn’t mean they can do whatever they want. It still has to be used in a way that you, as a parent, are comfortable with and deem appropriate. There will be some natural tension in the process, but it’s a great way to teach kids about money, decision making, maturity and life choices! — Dave RAMSEY Your Hometown Locally Owned Dealership! - WWW.COUNTRYFORDSALES.NET WW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.N WW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.NET - WWW.COUNTRYFORDSALES.N Deacon Brian & Janel Heine Family BY DAVE RAMSEY Call Classi?eds *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. His newest book, written with his daughter Rachel Cruze, is titled Smart Money Smart Kids. It will be released April 22nd. 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. 665-5884 Sandals Are In! Shop early for largest selection! Mens & Womens Boston 3rd • Yankton • to Boots Shoes 665-9092 312 W. • Water & Sewer • Basement Excavation • Demolition • Site Preparation • Ditching • Grading Mike Pollman PO Box 424 • Wakonda, SD 57073 Phone/Fax: 605-267-2768 Cell: 605-661-1063 xkv8tor@yahoo.com • Liscensed • Bonded • Insured Rock • Sand • Gravel Quartzite • Fill Material Regular Meeting Mission Hill Township (N) As per South Dakota Codi?ed Law 8-5-1 The Board of Supervisors of Mission Hill Township (N) has set the dates of this year’s three Regular Meetings on March 25th, 2014, October 28th, 2014 and February 25th, 2015 at Vangen Lutheran Church, Mission Hill, South Dakota at 7:00 p.m. Anyone wishing to add items to the agenda of any of these meetings may do so in writing to the Township Clerk no later than 5:00 p.m. on the Friday before the above-mentioned Meeting Dates. George Wathier 30480 NE Jim River Road Mission Hill, SD 57046 Mission Hill Township (N) Clerk STOP IN & SAVE! CUSTOMER APPRECIATION DAYS SALE! MARCH 13 & 14 8 a.m. to 6 p.m. MARCH 15 8 a.m. to 5 p.m. FEATURING: BUILDING RELATIONSHIPS One Client at a Time! Come in for a FREE GIFT with every building designed in DreamMaker! Contact us today for a FREE Norfolk, NE 1105 13th St., Ste 210 (Hwy 81 exit off I-275) 402-371-8567 800-373-5550 I ClearyBuilding.com