July 22, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Who Do You Want To Hang Out With BY DAVE RAMSEY Things were going kinda slow down at the Fly Tying Love Center and it bothered Marvin Pincus a lot. He found it hard to believe that, out of all the people in the valley, none of them needed love advice and the proper type of fishing fly to illustrate it. He had the sign made and put in the yard, and he’d obviously had great results with the Jones kid and good ol’ Dewey. Since Marvin’s advice to Dewey to shower before asking a girl for a date, Dewey Decker, the Fertilizer King, had met Emily Stickles, the love of his life. Now the fishing-fly earrings part of the business was going great. Women all over town were wearing dingle-dangle earrings with Marvin’s point-clipped fish- ing flies hanging therefrom. He learned that short ladies tended to go for the smaller dries, like Griffith’s Gnats and Royal Coachmen, and the taller ladies leaned toward salmon streamers. For the “simple black dress” that women seem to need, Marvin discovered a pure black stonefly nymph tied on a number 6 to be just the right touch. Some of the ladies slipped Marvin’s wife, Marjorie, a couple of bucks to help buy more feathers and hooks. But on the love advice front, there was a dearth of heartbroken customers. “What would you think,” Marvin said, “if I ran an ad in the Valley Weekly Miracle?” “For what?” Marjorie said at breakfast. “You know … love Duramax Diesel Duramax Diesel Allison Trans. From 2008 GMC 4x4, 130,000 Miles Complete Unit $2,500 605-665-3720 • Yankton, SD Call for Bids advice.” “Well, you have the sign out front. I think everyone in the valley already knows about it.” “But they’re not coming in.” Marjorie smiled. “Honey, some people find it hard to talk to others about their personal problems. That’s probably it.” Marvin got a piece of paper and began writing. Then he’d scratch it out and start again. This went on through both bacon and toast. “How’s it coming, Honey?” “About got it right, I think, Marge.” “May I see it?” He handed it to her. The best love advice in the valley, tied up with the appropriate fishing fly. Call the Fly Tying Love Center for an appointment. Results guaranteed. “What do you think?” Marjorie just smiled and nodded her head. What she thought, however, was that retirement isn’t for sissies. -----------------Brought to you by The Home Country Hour podcast. Check it out at www.slimrandles.com. 1020 Food - Beverage Homegrown Chicken Fryers, $6.25. Maxwell Colony Call for appointment to meet in Yankton. (605)660-0997. Dear Dave, I have job offers from two tech companies. One is in San Antonio and pays $55,000 a year, while the other is in Silicon Valley making $100,000 a year. My friends Dave are advising me to move to California, but I feel like I’d have more money in my budget if I moved to San Antonio. What do you think? — Aaron Dear Aaron, The good news about Silicon Valley is you’d be around a ton of really smart people in your industry. I mean, it’s the epicenter of the tech world, right? You’ll learn a ton and have lots of opportunities, so there’s definitely an upside. The problem is that the Silicon Valley area is one of the most expensive places to live in the entire country. The real estate prices and cost of living are ridiculous! Still, if it weren’t for the cost of living argument, it would be a no-brainer for me. Then, it wouldn’t really be so much about the income and prices as it would be about the career opportunity. Still, you have to consid- er the economic factors involved here. With that in mind, it’s not an exaggeration to say you might actually put more money in your pocket at $55,000 in San Antonio than you would $100,000 in Silicon Valley. That’s entirely possible! I think things are going to come out pretty even economically speaking once you adjust for the cost of living. I’m a huge fan of Texas. It’s a great business market and tax situation down there. But really, in my mind the question comes down to your personal comfort level and quality of life. And that’s something you’ll have to answer for yourself! — Dave RAMSEY Call Classi?eds 665-5884 PLAYING WITH HOUSE MONEY Dear Dave, My wife and I just became debt-free, and we’re saving for our first house. We have about $75,000 in savings, and we’d like to buy a home with cash in the next few years. Where do you think we should place our money so it’s working for us while we save? — Andrew 1200 Dear Andrew, I don’t advise playing the market on the short term. If I were in your shoes, and looking at possibly a two- to four-year window, I’d just pile the cash in a money market account or possibly a balanced fund. I’m a big fan of growth stock mutual funds when it comes to long-term investing. The problem with that in this scenario would be the volatility of the market. By the time you’ve saved up more money and spent time deciding on a house, the market may be down. All you’re looking for in this scenario is a wise, safe place to park it and pile it up while you prepare. Congratulations, Andrew. Debt-free is the way to be when you’re looking to buy a nice, new home! — 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. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations. 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