July 8, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Housing Includes Taxes, Insurance BY DAVE RAMSEY Dear Dave, You recommend that no Windy Wilson was on the standing there in the shade “How do you stand on more than 25 perprowl, this beautiful of an elm tree and trying this, Windy?” one asked. cent of your Independence Day morning, seriously to tear down each “I stand as an American monthly income searching the neighborhood other’s theory on how the citizen,” he said, “on this go toward a house for something to do for othworld, the United States, the recompensation of our ers. He decided to let his state government and the Independence Day, knowing payment. Does this figure include weekly day helping others local school board should be that our foundling fathers taxes and insurcome on the Fourth this operated. Windy stopped would want it this way. Yes, week, because he was feeling and listened to them. Each since this is a special day for ance too? — Ryan Dave very American. would look at Windy as each all Americans, I am recumDear Ryan, Let’s see … he thought … point was made only to see bent in the factotum that it Yes, it does. I can circumlocute over to the usually garrulous is your very basic right to be Your housing payMrs. Hennessey’s and see if Alphonse Wilson smile wrong.” ment should not her flower garden needs benignly and nod in “Which one? Which one exceed 25 percent of your weeding. She’s got very response. of us is wrong, Windy?” monthly take-home pay on a close veins and the sugar Pretty soon, the two comHe grinned. “Well … you 15-year, fixed-rate mortgage. diabeets, and getting around batants figured out that both are.” When it comes to buying ain’t easy. Windy was nodding to state-------a house, the goal is not to He headed in that direcments on totally opposite Brought to you by The live in the Taj Mahal or have tion when he came across sides of the argument. They Home Country Hour podsomething so expensive you two friends of his arguing stopped and looked at him. cast. Check it out at end up being “house poor.” over politics. They were www.slimrandles.com. When buying a home, especially for first-time homebuyers, you should look for something nice - in a decent area - that you can get paid off as quickly as possible. It’s really not a big deal if Call 665-5884 to place your ad here. you cheat a couple of percentage points one way or the other. But 25 percent is a good rule of thumb to ensure you’ll still have money left over to live on, save and invest! — Dave make the decisions. Try sitting down with them and gently explaining that while you appreciate and love them for their generosity, you’re going to cash it out and use it to get out of debt. Let them know you’re not wasting their gift, and that you’re using it to make a positive impact on your lives. You’re not doing anything disrespectful, Laura. Just be very clear about the reason and loving with your explanation. Then, if they chose to become a little emotional or resentful, that’s on them. If they get really upset and want the money back, you can do that too. But getting your financial house in order is much more important than hanging on to a bad financial product you don’t need in the first place. — Dave BE VERY KIND AND VERY GRATEFUL Dear Dave, My mom and dad took out a whole life insurance policy for me when I was born. The cash value is $2,500, and my husband and I want to cash it out and put the money toward paying off debt. We already have larger term life insurance policies in place, but I’m worried that doing this will offend my parents. What should I do? — Laura Dear Laura, I think the real question is how many toxic things will you do because you’re afraid you might offend them. Whole life policies are financially toxic. They’re a bad product, and keeping it for no better reason than it might hurt their feelings a little bit isn’t much of a reason - especially when the alternative is paying down debt and getting your financial life in order. I know this is mom and dad we’re talking about, so you’ll have to be nice about everything. But at the same time, your parents have to realize it’s your life and you RAMSEY Interested in this spot? Schuurmans Farm Supply 2013 Excel Hustler Super Z HD PRE-OWNED 27 HP Kawasaki, 60” Deck Side Discharge This week’s special! Core Power CGTT-400 Trimmer 12” Hydra Snip M&M Tree Shear Cordless Electric Power Heavy Duty Skid Loader Mounted $10,500 $280 Call for Pricing SEEDING - DETHATCH - AERAT - GRASS SEED AVAILABLE DETHAT THATCH AERATE A ATE D AVAILABLE A WE HAVE ALL THE EQUIPMENT TO GET YOUR LAW READY HAVE AL AV TO YOUR LAWN READY AWN D 5 miles West of Tyndall on Hwy. 50 Corner of Hwys. 50 and 37 West f Tyndall y Hwy. Ph. (605) 589-3909 or Cell (605)464-1113 • www.schuurmansfarmsupply.com www.schuurmansfarmsupply.com HUGE AUCTION PRIMITIVES – ANTIQUES – FURNITURE – MANY COLLECTIONS – TOOLS – MODERN ITEMS – To be held at the Wieman Auction Facility, 1 South and ½ Mile West of Marion SD on SATURDAY, JULY 12TH • 10:00 AM Ridge Kitchen Lunch Wagon 2 Auction Rings Used Most of Day! Note: Walt & Mildred were auction goers – avid collectors with wide array of collectibles. This is a huge offering – some surprises to be found. Two Auction Rings will be used! PRIMITIVES – COLLECTIBLES – SMALL ITEMS 3 Sausage Stuffers; 50 Gal Round Rendering Kettle; Oval Rendering Kettle; CI Pots; 2 Dehorners; Hoof Trimmer; Horse Hames – Stirrups; 12” & 14” Pony Collars; Old Saddle; Other Horse Items; Wood Pulleys; Buck Saws; Hand Saws; Rug Beater; Large Assortment of Vintage Wrenches – old tools; Tile Spade; Monkey Wrenches; Hay Knife; Rope; Riveters; large amount of wood block planes – related items; Hand Seeders; Blow Torches; Collection of Brace – Bit Tools; IHC Self Cleaning Cream Separator – complete; Radio Flyer Coaster Wagon (nice, 65+ years old); Vintage Well Tools; Sprinkler Cans; Ice Tongs; Drill Press; old jacks; wood Oxen Yoke – complete; Hand Sheller; Glass Oil Fillers w/ Metal Top; 2 Copper Boilers; Assorted pails – tins w/ advertising; Cream Cans; Milk Cans; Kerosene Lamps – Lanterns; Table Coffee Grinder; Arcade Coffee Grinder; Piano Rolls; Oak Wall Telephone; some toys; 2 Sewing Chests; 10 Meat Grinders; Apple Peelers; Bracket Lamp; Mantle Clock; 100 Vintage Machinery Parts – Operational Books; old tractor magnetos; old books – bibles – some German; Dolls; Wards Catalogs from 1940’s; old magazines; Hand Corn Planters; Shady Pond Dairy Glass Milk Bottles w/ seals; Enamelware; Press; Atomic Irons; Model T Coils; NOS Car Parts; many more smalls! RW CROCKS – OTHERS: Red Wing 2,5,6,8,10,12 Gal Open Crocks; RW 5 Gal Pickle Crocks; Crock Jugs; Crock Bowls; Cookie Jar Crock; Butter – Small Crocks; 20 and 30 Gal Open Crocks; RW 3 Gal Crock Churn; UNUSUAL ITEMS – ANTIQUE FURNITURE – RELATED ITEMS Oak 5 ½’ Tall Wardrobe; Oak 3 Door Bookcase; Oak Chifferobe; Spool Cabinet (6 Drawer); Moores – Oak Wood Burning Stove – nice; Music Cabinet; Oak Wardrobe (doors missing); 1 pc Kitchen Cabinet; Columbia Vet Wall Cabinet – unusual; Walnut Dresser w/ Hankie Drawer, Mirror & Bottom Cedar Drawer; Schroeder Co. Metal Display Cabinet w/ Air Items – Valve Stems, etc., unusual – very nice; Standard Oil Gas – Kerosene Pump with Wainscoting Cabinet – very unusual; 2 Maytag Wringer Washers; 2 Duncan Phyfe Dining Tables; 4 Chairs, re?nished; Oak Display Case (re?nished – smaller); Camel & Flat Top Trunks; 2 Dressers; Oak Dresser w/ Mirror; Chest of Drawers; Queen Ann China Hutch; Oak High Chair; Jewelry Boxes; more to be found; COLLECTIONS Gunny Sacks w/ Advertising; Key Chains, all w/ advertising; Engine Oilers; 50+ mugs (all advertising); Match Book Collection; Yard Stick Collection; Huge amount of promotional advertising gift items from Marion – Freeman area - some very rare!; Advertising Chain Pictures from Marion & Freeman areas; Cigar Box Collection; Farmers Coop, Marion SD Caps – Giveaways; 7 Match Box Holders w/ advertising; Grobel’s Store Marion Ball Shirt; collection of Farm Ledger Books; Huge collection of campaign – promotion – advertising buttons; Covered Chicken Collection; Tea Cup – Saucer Collection; some stamps; Neighbor Lady Cookbooks (1947 and up); North and South Church Year Books (old); lots of record albums; Plus Modern Furniture; Cookware; Bakeware; Kitchen Items; Household Box Lots! WALT AND MILDRED ALBRECHT ESTATE Steve & Marci Albrecht 605-648-3794 or 605-360-3940 Wieman Land & Auction Co., Inc. 800-251-3111 Marion SD www.wiemanauction.com * 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. www.missourivalleyshopper.com Let Our Family Business keep yours in the go with: • Farm Filters • Hydraulic Hoses • Bearings & Seals Cox Auto 1007 Broadway Ave. • Yankton • 665-4494 Hartington Tree LLC TREE TRIMMING, REMOVALS & TRANSPLANTING TREES FOR SALE EVERGREEN • SHADE • ORNAMENTAL Yankton 605-260-1490 Hartington 402-254-6710 Serving Southeast SD & Northeast NE for 20 Years Kent & Kyle Hochstein • Licensed Arborists www.hartingtontree.com HOMES FOR SALE OPEN HOUSES AT ALL FOUR LOCATIONS! Wednesday, July 9th from 6-7 pm 44873 309th St. – Gayville 3-Bedroom, 2-Bath, Outbuilding, On 7-Acres with Private Fishing Hole! Super NICE! Price Reduced: $249,900 45046 301st St. – Volin Single Story, 2-Bedroom Built in 2003 Close to Marindahl Lake Excellent Location & View! $167,500 103 Dace St. – Volin Single Story w/2-Bedrooms. Sits on Large Lot in Volin. Nice Condition & Ready to Move in to! $44,900 29664 451st Ave - Irene 1 Mile West & ¼ North of Irene. 9 Acres w/2-Story Home. Near the Golf Course – Newly Listed! $57,000 GIRARD AUCTION & LAND BROKERS, INC. (605) 267-2421 Toll Free: 1-866-531-6186 Marv Girard, BA #12399; Ken Girard, CAI, AARE Broker #10183; Mike Girard, CAI, BA #13549; Mike Manning, BA #11605 www.GirardAuction.com www.GirardBid.com