May 27, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Paying The Right Amount For A House “You seem kinda low this morning, Sweetie,” Marjorie said. “Business has been kinda slow for a while now, and it’s wedding season,” he said. Marvin Pincus’s “business” of course, is free love counseling combined with free fly tying, in hopes of bringing connubial jocularity to anyone who might need it. Hey, a retired guy has to do something. But just at that moment there was a knock on the door, and standing there was Three-Chord Cortez. T.C. looked anxiously up and down the street. It wouldn’t look good for the fabled bunkhouse balladeer to be seen applying for love counseling. Marvin took T.C. into his den and Marjorie brought the embarrassed cowhand some coffee. When the door had been safely closed, Cortez looked at Marvin. “Mr. Pincus,” he said, “you may not know it, but I kinda have a reputation for being a ladies’ man.” Marvin nodded. “But … I guess I do okay … but sometimes I just feel … used … you know?” Marvin nodded again. “These women today just seem to have …” he looked around and whispered “one thing on their minds. I’d like to find a woman who likes me for who I am … inside, you know?” Marvin nodded. “I mean, I can serenade their socks off and have plenty of dates, but it’s just a hot Saturday night kinda life.” Marvin smiled. “T.C., I know what you mean. I’ve heard about your success serenading the girls, but I can see you may be ready to … shall we say … settle down?” Three-Chord (named for his semi-skill at guitar picking) nodded. “OK, so let’s get to work.” Marvin put a big number two salmon streamer hook in the fly vise, and Cortez stood and watched him. BY DAVE RAMSEY Marvin’s skilled hands soon tied a weighted solid-black stonefly nymph and handed it to T.C.. “Substantial and solid,” Marvin said, “without all the gaudiness of a salmon streamer. It will bring out the real you, T.C..” “Thank you, sir,” Cortez said. “And T.C.? I want you to not even kiss a girl until after the third date. Let her get to know you.” The long-riding lothario’s mouth dropped open, showing the pearly white teeth that had melted so many hearts. “Is that even possible, Mr. Pincus?” “Work on it, my boy. Work on it.” ---------Brought to you by the brand-new internet radio program “The Home Country Hour.” Listen in at www.slimrandles.com. Dear Dave, I know you recommend that no more than 25 percent of your takehome pay should go toward rent or a mortgage payment. Should taxes and insurance be figured Dave into this amount? — Kayla Dear Kayla, Yes, they should. Mortgage companies will qualify you for twice as much house as you can realistically afford. They’ll try to put you on a 30-year, adjustable-rate mortgage and leave you in debt up to your eyeballs for half of your life. Payments like that can easily equal 36 percent or more of your take-home pay. That’s just nuts! I see so many people who can’t take a decent vacation or save anything for retirement or their kids’ college fund because their mortgage payment is through the roof. That’s called being “house poor.” And I’ve even seen it push people into debt just to buy groceries. It’s fine if you want to follow my guidelines. But what I’m really trying to do is get you to think. Engage in some critical thinking when it comes to your finances. There’s so much more to life than that building we call a RAMSEY Read & Recycle! EHRESMANN ENGINEERING For All Your Steel Needs! Call Classi?eds STEEL SPECIALS 665-5884 trucktrailerinc.com TRUCK TRAILER • Flat Bars • Solid Bars • Angle Iron •Channel Iron • Round, Square & Retangle Tubing • Many More types of steel to choose from SALES & SERVICE, INC. East Hwy. 50, Yankton, SD New complete computerized We Want to be Your Steel Supplier Call us at 605-665-7532 alignment system. 4400 W. 31st St., Yankton, SD 57078 house. I want you to think about your future and your family’s future and make smart money decisions that will change your family tree for years to come! — Dave Call today for an appointment 605-665-7952 ate ur acc st ystemble! o M s aila av USED EQUIPMENT MORE THAN ONE LIFE INSURANCE POLICY? Dear Dave, Can you have more than one life insurance policy, and is there ever a reason to do this? — Chad Dear Chad, Sure, you can. And there are several different reasons you might choose to do this. One, like in my case, I have lots of insurance regarding our business, our estate plan and those kinds of things. In some cases, I’ve reached the limit on the amount of a policy a company will write on me. Most life insurance companies will only write so much in coverage for one person. So when this has happened, I’d go to another carrier for additional coverage. Another reason people do this is to feel more secure from a company standpoint. If one insurance company goes out of business, they’ll still have another policy, or policies, in place. Usually, that’s not much of an issue. Most insurance companies are financially stable or have insurance to back them up with the state. The only real problem with having more than one life insurance policy is that it complicates your life a little bit. You’d have two or three premium checks or withdrawals to worry about each month and possibly even additional policy fees. So generally speaking, it’s cheaper to have just one policy. And I’d recommend having 10 to 12 times your annual income wrapped up in a good, level term policy. But no, there aren’t any rules against having more than one life insurance policy. — Dave * Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership and Smart Money Smart Kids. His newest best-seller, Smart Money Smart Kids, was written with his daughter Rachel Cruze, and recently debuted at #1. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. MV Shopper M I S SOU R I VALLEY CLASSIFIEDS IN PRINT & ONLINE To place your ad call... 605.665.5884 Household Moving Auction Saturday May 31st, 2014, 11:30 a.m. Rain date June 1 at 12:30 711 James Place, Yankton, SD Ruth Menke owner USED TRACTORS 12 MONTH 0% INTEREST WAIVER ......... .................. ..... .......... . . . . . $200,000 . . . . . . . . . . $210,000 ... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $82,000 ...... . . . . . $128,000 ........... . $112,000 ............... ................. .............. . . . . . . . . . . . . . . . . . . . . $16,000 .................. COMBINES 12 MONTH 0% INTEREST WAIVER .............. . . . $266,000 . . $240,000 . . . . . $280,000 . . $260,000 . . . . . . $180,000 ........ . . . . . . . . $180,000 ........ ........ ............. ........................... ..... . . . . . . . . . . $160,000 . . . . . . $120,000 ...... ......... PLATFORMS/DRA ATFORMS/DRAPERS T ........................ . . . . . . . . . . . . . $30,000 ................ ......... ............ ........................ . . . . . . . . . . . . . . . . . . . . . . $24,000 ................ . . . . . . . . . . . . . . . . . . . . . . . . $18,000 ........................ ........... . . . . . . . . . . . . . . . . . . $22,000 .................. ....................... ............... . . . . . . . . . . . . . $6,000 CORN HEADS ................. . . . . . . . . . . . . . . . . $32,000 . . . . . . . . . . $41,000 ............ . . . . . . $40,000 . . . . . . . . . . $40,000 . . . . . . . . . . $41,000 ...... ............ . . . . . . . . . . . . . . . . $26,000 . . . . . . . . . . . . . . . . $26,000 ........... PLANTERS ......... ......... ....... rotary header, forming shields, crop dividers . . . . . . . . . . . . . . . . . . . $80,000 . . . . . . . . . . . . . $11,000 . . . . . . . . . . . . . $12,000 . . . . . . . . . . . . . . . . $10,000 SHREDDERS ......... ......................... . SKIDSTEERS ............................................. .......... (A) 2010 Mayrath 10x82 auger . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ................ . . . . . . . . . . . . . . . . . $3,000 ........................... .............. .......... FEED WAGO AGONS A . . . . . . . . . . . . $26,000 . . . . . . . . . . . . . . . . . . . . . . . . $6,000 CENTER PIVOT . . . . . . . . . . . . . . . . . . . . . . . . Call C-CROFTON Kayto on International, Inc. Sherry Soukup-Neuharth Auctioneer “The Auctioneer who works for you.” soukupauctions@aol.com 605-665-5266 or 605-660-3931 Real Estate Auction HAY EQUIPMENT A MISCELLANEOUS A-ALBION rocker, 2 Lan e reclin ers, 3 pc coffee an d en d table set, Zen ith color TV, oak tv cabin et w ith doors, rockers, coffee an d en d table set, tw eed hide-a-bed sofa, con sole radio/record player/8-track player, LazBoy reclin er, D resser w ith m atchin g dou ble bed-com plete, 2 w icker chairs, Sin ger D ian a double n eedle sew in g m achin e m odel#560 Co llecta bles:Carn ivalglass:H olly dish,Blackberry ruffled bow l,radiant dish, Beautiful 4 pc set of Roseville, han d pain ted dishes, Jew ell T bow l, W eller vase, vin tage shoes, beau tifu l crocheted item s, old roller skates, W W II can vas ham m ock,large han d fan ,hair dryer w ith hood H O USEH O LD ITEM S:Lots of yarn, m aterial som e vintage and crafting item s, w ater purifier, canning jars, M agnavox VCR, Lam ps, pictures, tow els, bedding, table cloths, suitcases and luggage,phones,radio,w ood table w ith 4 chairs,4 w ood chairs-rose w ood, H utch,Tupperw are, dishes, pots and pans, Everw are pots and pan set w ith large roaster, Toastm aster convection-broiler oven, Christm as item s, D irt D evil vacuum , w in d tun n el vacuum M ISCELAN EO US:Larin 2 ton floor jack,2 floor jacks,pow er hand tools,hoses,outdoor patio set:table,4 chairs and um brella,sm allportable BBQ grill,10 galshop vac GRAIN CARTS ...................... ......... .... .................... .......................... ............ .............................. ....................... TILLAGE EQUIPMENT .... ...................... .......... . . . . . $32,000 ........ .......... ........ .......... ........ FURN ITURE: Ken m ore upright 5cu ft freezer,LazBoy Couch an d Loveseat,glider N-NELIGH AFTER HOURS PARTS PHONE ALBION 402-741-0055 CROFTON 605-660-6175 NELIGH 402-929-0120 Web Site: www.kaytonint.com Financing Available W.A.C. ©2008 CNH America LLC. All rights reserved. Case IH and CNH Capital are registered trademarks of CNH America LLC. 841 VALLEY VIEW • VERMILLION Bluff View House Thursday June 5, 2014 6:00 pm 841 Valley View Vermillion, S.D. 57069 Auction Site: 841 Valley View Vermillion, S.D. 57069 Description: One Story home built in 1959 3 bedroom 1 bath with attached single garage. 1078 sq. ft. on main and 1078 sq. ft. in basement on 15,071 SF bluff view lot. Taxes: 2013 $2,185.24 TERMS: 10% nonrefundable earnest money deposit the day of auction, with balance due on closing 30+/days. Title insurance and closing costs will be split 50/50 between the buyer and seller. Taxes will be prorated to the day of closing. Clay Co Abstract and Title Co will be the closing agent. Auctioneers are acting as agents for the seller. To view or Questions call: Dakota Realty and Property Management Hazen Bye Auctioneer #11665 cell 605.670.0422 Melvin Walz agent #11615 cell 605.670.1694