July 29, 2014 • Page 3 shop online at www.missourivalleyshopper.com Dave Says 1245 Don’t Leave An Estate With Life Insurance BY DAVE RAMSEY Dear Dave, My mom is 71 and debt-free. She’s investing $600 a month in a universal life insurance policy worth $250,000 because she wants to leave something behind when she dies. What could she invest this money in, other than the life insurance policy, in order to leave an estate? Dave RAMSEY — Steve Dear Steve, This is a good question. You don’t use life insurance to leave an estate. It’s a bad idea. You leave an estate by saving and investing. The 1020 Food - Beverage 1200 Homegrown Chicken Fryers, $6.25. Maxwell Colony Call for appointment to meet in Yankton. (605)660-0997. 1200 only people who will tell you to use a life insurance policy to leave an estate are life insurance salesmen. Unless she’s ill, I wouldn’t keep the policy. Instead, I’d do some long-term investing. It won’t take long to get to $250,000 with $7,200 a year. It’s the kind of thing that sounds like it’ll take forever, but you’ve got to remember you’ve got growth and interest in the equation. I wouldn’t put money into a life insurance policy at age 71, unless there’s someone being left behind who really needs the Cars 1988 Buick LeSabre A/C, cruise work, new starter $1,100/OBO. Call (605)665-7086 or (605)760-9030. 2001 Ford Explorer Sport Trac 4x4 XLT 4-door, sunroof, power brakes & windows, aluminum 16" wheels, new brakes, 6CD, Tonneau cover, runs great. 234,000 miles, $4500/OBO (605)660-6196. 2002 Red Honda Civic EX coupe, 146,000, no A/C, salvage title, 38mpg, book $5,300, sell $3,500. (605)664-8932. 2008 Mitsubishi Spider GS Convertible, excellent condition, 35,000 miles, 2.4L, 4-cylinder. $12,500 (605)661-3313. Buying junk cars, pickups, vans, running or not. Instant quote & free pickup. McLean Auto Salvage. (402)360-0756 CARS/TRUCKS WANTED! Top $$$$$ PAID! Running or Not, All Years, Makes, Models. Free Towing! We're Local! 7 Days/Week. Call Toll Free: 1-888-416-2330 nani CASH FOR CARS: Any Make, Model or Year. We Pay MORE! Running or Not Sell your Car or Truck TODAY Free Towing! Instant Offer: 1-888-420-3805 (MCN) CASH FOR CARS: All Cars/Trucks Wanted. Running or Not! Top Dollar Paid. We Come To You! Any Make/Model. Call For Instant Offer: 1-800-864-5960. nani money - and it doesn’t sound like there is in this case. It would probably take about 13 years for the money to turn into $250,000. Assuming she’s healthy, I’d rather do that and bet on her living. That way, she can leave an estate and avoid the expense and rip-off part of the universal life policy. — Dave NO TREATING STUDENT LOANS LIKE A MORTGAGE Dear Dave, I have a very large amount of student loan debt. Where would that go in your Baby Steps plan? — Jade Dear Jade, Baby Step 2 is where you pay off all debt except for Cars 1200 Cars 1240 DONATE YOUR CAR, TRUCK OR BOAT TO HERITAGE FOR THE BLIND. 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Text (605)636-7680. 1240 Call Classi?eds 665-5884 your house. The fact that it’s a large amount of student loan debt doesn’t change anything. Hopefully, with your very large amount of student loan debt, you also have a very large income. Believe it or not, there are some really sad situations out there where people have gone $200,000 into debt for a fouryear degree in a field where they make $50,000 a year. That kind of thinking and behavior is ridiculous, but it’s out there. Whatever you do, Jade, don’t treat this student loan debt as if it were a mortgage. In other words, don’t let it hang around for years and years and years. You’ve got to get focused and intense about paying off this mess and getting on with RVs - Campers 1997 Jayco Designer 37’, 5th wheel RV, 2 slides, very clean. No pets/smoking, new tires, great condition. (605)660-7039, (605)655-5749 (605)364-7616. 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Coleman Crawdad; trailer, MinnKota 36lb auto pilot bow mount, 1.0HP 4 speed Die Hard trolling motor, battery charger. $400 (605)665-5713. 109 W. 3rd St. in Downtown Ya on ankto www.yanktonrexall.com GOT A ROCK CHIP? Mobile Glass Service We’ll come to your home or office for windshield repair or replacement RON’S AUTO GLASS 605-665-9841 1915 Broadway, Yankton, SD Ron Evans, Owner Over 20 Years Experience Miller High Life 30pks & Light ord Calvert $ $ 15. 15. Te High en $ Clay County Acreage & Personal Property Auction Western Star Semi & Guns Thursday, July 31, 2014 5:30 PM We will sell the following real estate and personal property located at 29931 464th Ave, Centerville, SD or from Centerville 2 miles south on SD Hwy 19A, 2 miles east on SD Hwy 46 and 2 ¼ miles south on 464th Ave or from Beresford, SD 6 ½ miles west on SD Hwy 46 and 2 ¼ miles south on 464th Ave. Legal Description: Sandwick Tracts 1 & 2 NE ¼ 13-95-52 Clay County, SD. This acreage setting includes 28.01 +/- acres with mature evergreens, ponderosa pines, creek, wildlife and hunting plus a 1 ½ story home, 36’ x 50’ machine shed, 36’ x 81’ livestock shed, large outdoor riding arena and rural water. Also included is a 1973 Schult 12’ x 62’ mobile home. Terms: Visit www.westraatkins.com Contact auctioneers for showing. Auctioneers Note: Real Estate sells at 5:30 followed by personal property. Semi Tractor and Equipment: 2007 Western Star 4900, 561,000 miles, sleeper, Mercedes 450 hp, 10 speed, all aluminum rims, 22.5 rubber 90%, atu, refrigerator, microwave; aluminum load leveler for drop deck; aluminum headache rack. Misc: Colman 60 gal air compressor, 230 volt; battery charger; 2 heavy duty tow ropes; 2 ?atbed tarps; 26 sheets 4’x12’ 5/8ths sheetrock; furnace pipe and duct; plumbing pipe; ?ttings; sewer machine; faucets; used furnaces; motors; arena outdoor lights; chain saw; tools; ?oor jack; ¾ inch socket set; bench grinder; bench vise; Craftsman walk behind weed eater; hay rack; used 255/70R 22.5 trailer tires; 2 refrigerators; 2 gas cooking stoves; washer/dryer plus more. Guns: Glen?eld Model 25, bolt action, .22 caliber; Ruger 10/22, .22 caliber; Thompson Center black powder 45; Thompson Center Hawken black powder 45; Marlin Model 782, bolt auction, .22WMR; Marlin Model 17 VS, 17 caliber; Harrington Richardson Model 865, .22 caliber; Mossberg Model 640M, Chuckster .22 WMR; Marlin Model 9, semi auto, 9mm; Remington Model 722 in 244 caliber; Rock River Arms AR 223/L3EOTECH sight, stainless steel barrel; Benjamin Franklin pellet gun; gun cases; reloading dies; ri?e and shotgun primers; lead shot; bullets for ri?e reloaders; spotting scope; 60 lbs of various powders; reloading manuals; lots of never ?red brass; ?y rod. For pictures and more information go to: www.westraatkins.com Jeff L Searles and JoAnn Searles, Owners Joel R Westra, Broker, Beresford, SD 605-310-6941 Pete Atkins, Broker Associate, Tea, SD 605-351-9847 Joel A Westra, Broker Associate, Chancellor, SD 605-957-5222 Phil Eggers, Broker Associate, Renner, SD 605-351-5438 99 99 1.75 L 14.99 14.99 1.75 L 99 99 13. 13. McCormiks Vodka o $ 1.75 L 12.99 12.99 FREE Customer Parking Parking 605-665-7865 Hours Monday-Friday Monday-Friday 8:30-6:00 Saturday Saturday 9:00-4:30 Price Effective July July 29th - Aug. 4th, 2014 Aug. Check Our Website for SPECIAL C e COUPONS in our Toy and Gift Departments Easy-access parking behind store.