August 5, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Hands Off The 529 Plan Harley pulled the tractor over to the ditch and cut the engine. He climbed down stiffly, walked to the water and soaked his head and shirt. Then he looked around. No cars were coming down the county road. No one at the house could see him. So he smiled, sat on a rock and leaned back against the ditchbank. A farmer’s recliner, he thought, wiggling slightly to avoid kidney puncture by a twig. He was smiling that dignified farmer’s smile on the outside but laughing on the inside. So nice to just rest here for a minute in the sun. Oh, he wouldn’t have done it if he’d left the engine running. Waste of gas. But the engine was off, all the seeds were in for this year, and all he was doing was 1020 plowing summer fallow now. No rush. Do it any time. So Harley locked his hands behind his head, lay back against the ditch grass, and just looked around. Marshmallow clouds today against a dark blue sky. Crows flying in to Harley’s fields from Roger’s. He paused a moment from pure observation to lean a bit on philosophy. He considered that fences and land deeds and farming contracts meant nothing to these birds. There is more than a bit of envy there, but just for a minute. Harley stood, stretched his back and drank from the canteen on the tractor. Crows didn’t worry about deeds, he thought, but hey, they didn’t get to watch football in the fall, either. Food - Beverage 1200 1200 trucktrailerinc.com TRUCK Brought to you by Home Country, the book (now an ebook as well) on Amazon, Kindle and Apple. Feel free to rattle my cage whenever you feel like it or need something, including a mug shot suitable for newsroom dart tournaments. Slim Randles 7308 Painted Pony Trail NW Albuquerque, NM 87120 www.slimrandles.com homecountry8@gmail.com (505) 306-6009 cell Cars 1966 Oldsmobile Cutlass 2-door hard top with bronze exterior & black top vinyl interior. Hard to find original condition a survivor! Cars Buying junk cars, pickups, vans, running or not. Instant quote & free pickup. McLean Auto Salvage. (402)360-0756 ------------ Cars 1200 Homegrown Chicken Fryers, $6.25. Maxwell Colony Call for appointment to meet in Yankton. (605)660-0997. 2003 Ford Taurus, silver, 165,000 miles. Good school car, runs good, everything works. $2,750 OBO (605)660-8172. All in all, on a nice summer’s day like this, there’s nothing wrong with being a farmer. Scrap Iron Wanted Old Cars, Trucks, Buses, Farm Machinery, Grain bin removal. Paying top dollar. Will pick up. Gubbels Salvage (402)640-6335 Coleridge, NE TRAILER Features: 330 V8 automatic transmission, like new vinyl top. Power steering, air conditioning nice original paint, original & clean underside, trunk, engine compartment.. Like new dual exhaust, Redline tires, rally sport wheels (4-original hubcaps in trunk). Spare tire with cover, trunk mat & tools, dual rearview mirrors, windshield washers. Interior features: Original like new black vinyl interior, like new headliner, seats, carpet, door panels, steering wheel (no cracks), working radio, clock, all gauges, lights, horn, signals, etc. Original keys, 60,000 miles, 1966 assembly manual, $15,500. (605)660-0060. East Hwy. 50, Yankton, SD 605-665-7952 2005 INTL 8600 WITH A 2007 22 FT. GRAIN TRAILER $33,500 CUMMINS DIESEL-370 HP • 10-SPEED TRANSMISSION Read & Recycle! BY DAVE RAMSEY Dear Dave, My wife and I have $25,000 in credit card debt, $2,500 in medical bills and $89,000 each in student loan debt from when we each got our masters' Dave degrees. We make about $100,000 combined. Our son is 6 years old, and we have $18,000 in a 529 plan for him. Should we use that money to pay off debt instead? —Sean Dear Sean, I wouldn't do that if I were you. You'll get destroyed with penalties, because if you take money out of a 529 for anything other than college, you'll be taxed at your current tax rate and hit with a 20 percent penalty. The other thing is you'll have this weird feeling that you took money away from your kid. Technically, it's your money. You put it there. But when you did, it was in your child's name. Plus, that doesn't really solve your problem. You've got a ridiculous amount of debt, and that little bit won't move the needle very much. Having more money in your hands isn't RAMSEY 1200 PLATFORMS/DRA ATFORMS/DRAPERS T (A) 2012 CIH 3020, 30’, 3” cut, tracker . . . . . . . . . . . . . . . . . . . . . . .$31,500 . (A) 2011 CIH 3020, 35’, 3” cut, tracker, single drive . . . . . . . . . . . . .$30,000 $59,500 (A) 2011 MacDon FD70, 35’, draper, CIH adapter . . . . . . . . . . . . . . .$59,500 (C) 2010 MacDon FD70 40, CIH adapter, good condition . . . . . . . . .$56,500 (N) 2010 CIH 2020, 30’, AHHC & tracker, good cond . . . . . . . . . . . .$19,250 (A) 2010 CIH 2020, 25’, 3” cut, tracker . . . . . . . . . . . . . . . . . . . . . . .$18,250 . (A) 2010 CIH 2020 35’, 3” cut, poly, trkr . . . . . . . . . . . . . . . . . . . . . . .$24,000 (A) 2009 MacDon FD70, 40’ draper, CIH adapter. . . . . . . . . . . . . . . .$42,500 (C) 2009 CIH 2020 30’, 3” cut, tracker. . . . . . . . . . . . . . . . . . . . . . . .$18,000 . (A) 2008 CIH 2020 30’, 3” cut, tracker. . . . . . . . . . . . . . . . . . . . . . . .$15,000 . (A) 2007 MacDon FD70, 40’, CIH adapter, transport kit. . . . . . . . . . .$45,000 (A) 2007 CIH 2020, 30’, Crary air reel, tracker . . . . . . . . . . . . . . . . . .$22,000 (C) 2006 CIH 1020, 25’, 3” cut, trkr, 6’ bat reel . . . . . . . . . . . . . . . . .$15,000 (A) 2001 1020 25’, 3” cut, Crary air reel . . . . . . . . . . . . . . . . . . . . . . .$9,500 . (A) 1997 CIH 1020, 25’, 3” cut, tracker, rock guard. . . . . . . . . . . . . . .$8,750 (A) 1994 CIH 1020, 20’, 3” cut, 6 bat reel, poly skids . . . . . . . . . . . . .$6,000 TILLAGE EQUIPMENT (A) 2011 RMX340, 31’ disk, 9” spacing, 22” blades, harrow . . . . . . .$42,500 (A) 2010 CIH 330 turbo VT, 22’, 7.5” spacing, tandems . . . . . . . . . .$35,000 (C) 2009 CIH 330 Turbo, wavy blades, 4,500 acres, rolling harrow . .$39,500 (C) 2008 CIH RMX340, 28’, 9” spacing, hyd. level, new blades . . . . .$32,000 (C) 2002 CIH Tigermate II, 28.5’, 4 bar harrow, 7” sweeps . . . . . . . .$17,000 (A) Land Pride DH2596, 3-pt., 8’ disk, 22” notched, like new . . . . . . .$3,250 . . . . . . . . . . . . . .$4,500 (N) CIH RMX340, 28’ disk, tandems, 3-bar harrow, HD scrapers . . .$24,500 (A) Kent 6328 Disc-O-Vator, 28’, 5-bar harrow, 7” sweeps . . . . . . . .$15,000 (A) CIH RMX340, 34’, 9” spacing, 3-bar harrow, tandems . . . . . . . .$35,000 (A) Glencoe DT8200, 5-shank ripper, 20.5 guage wheels. . . . . . . . . . .$5,000 (A) JD 915, 7shank ripper, 3-pt., guage wheels, rear leveler . . . . . . . .$4,500 PLANTERS . . . . . . . . .$136,500 $127,000 . . . . . . . . .$127,000 . . . . . .$55,000 . . . . . .$25,000 MISCELLANEOUS (N) 2012 Quickie Q88 Loader, 102” bkt. w/grapple joystick, mag. mnts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . NEW $18,500 (A) 2010 Mayrath 10x82 auger . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$9,300 . (A) H1082 Auger, 10”x82’, swing hopper . . . . . . . . . . . . . . . . . . . . . .$7,000 . (N) Feterl 8”x60’ Auger . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$1,000 (A) 2012 Harvest Int’l, H1372 Auger, 13”x72’, swing hopper . . . . . .$13,000 (N) Feterl 8”x72’ Auger, PTO drive . . . . . . . . . . . . . . . . . . . . . . . . . . . .$1,250 . . . . . . . . . . . . .$1,000 (A) Schaben 17 Coulter Liq. Fert. Cart, 1,000-gal . . . . . . . . . . . . . . .$24,500 A-ALBION 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) COMBINES 12 MONTH 0% INTEREST WAIVER . . .$266,000 (A) 2013 CIH 8230, 308 hrs., 42” duals, ind cross auger, PRO 700 $287,000 (A) 2012 CIH 7130, 308 hrs., 42” duals, PRO 700. . . . . . . . . . . . . .$265,000 . (A) 2012 CIH 8230, 5003 hrs., 42” duals, auto guide, corn & bean .$240,000 (A) 2012 CIH 7230, 265 hrs., 42” duals, PRO 700, HD drives . . . . .$280,000 (A) 2012 CIH 8230, 391 hrs., 42” duals, auto guide, 40’ unloader. .$260,000 (C) 2012 CIH 7130, 308 hrs., 42” duals, hillside, PRO 700 . . . . . . .$265,000 . (A) 2011 CIH 7120, 913 hrs., 42” duals, PRO 608, 262 ant . . . . . . .$180,000 . (A) 2011 CIH 7088, 523 hrs., 42” duals, guidance ready . . . . . . . . .$225,000 . (A) 2011 CIH 7120, 506 hrs., 42” duals, auto guide ready. . . . . . . .$210,000 . (A) 2011 CIH 7120, 913 hrs., 42” duals, rock trap, PRO 600. . . . . .$178,000 . (A) 2010 CIH 7120, 883 hrs., 42” duals, auto guide, trkr. . . . . . . . .$180,000 . (N) 2010 6088, 560 hrs., 42” duals, PRO 600, HID lights . . . . . . . .$191,000 . (C) 2009 CIH 7120, 1,009 hrs., 42” duals, auto guide trkr. . . . . . . .$170,000 . (C) 2009 CIH 5088, 823 hrs., 42” duals, lux. cab. . . . . . . . . . . . . . .$168,000 . (N) 2009 CIH 7120, 726 hrs., 42” dual, PRO 600 . . . . . . . . . . . . . . .$198,000 . . . .$145,000 (A) 2006 CIH 8010, 1,439 hrs., 42” duals, corn & bean . . . . . . . . . .$152,000 (A) 2006 CIH 2377, 1,580 hrs., 32” singles, trkr., corn & bean . . . .$120,000 (A) 1999 CIH 2366, 3,177 hrs., 32” singles, Ag Leader Mont . . . . . .$58,000 (A) 1994 CIH 1688, 4,815 hrs., 38” duals, AFS yield+map . . . . . . . . .$35,000 (A) 1989 CIH 1660, 4,654 hrs., 32” singles, corn & beans . . . . . . . . .$15,000 CORN HEADS (A) 2012 CIH 3412, 12 row 30”, hyd. deck, trkr. . . . . . . . . . . . . . . . .$58,000 . (A) 2011 CIH 3206, 6 row 30”, hyd. deck plates . . . . . . . . . . . . . . . .$32,000 . (A) 2011 CIH 3408, 8 row 30”, hyd. deck plates, tracker . . . . . . . . . .$41,000 . .$37,500 (A) 2010 CIH 3208, 8 row 30”, hyd. deck plates, trkr . . . . . . . . . . . . $40,000 (A) 2010 CIH 3408, 8 row 30”, hyd. deck plates, SS wear kit . . . . . .$40,000 (N) 2010 CIH 3408, 8 row 30”, hyd. deck plates, tracker . . . . . . . . . .$40,000 . (A) 2010 CIH 3408, 8 row 30”, hyd. deck plates, tracker . . . . . . . . . .$41,000 . (A) 2008 CIH 3408, 8 row 30”, hyd., deck plates, SS wear kit . . . . . .$36,500 . . . . . . . . . . .$45,000 . (A) 2007 CIH 2206, 6 row 30”, hyd. deck plates . . . . . . . . . . . . . . . .$26,000 . (A) 2005 2208, 8 row 30”, hyd. deck plates, trkr . . . . . . . . . . . . . . . .$26,000 08, r (A) 2003 CIH 2412, 12 row 30”, trkr, hyd. deck plates . . . . . . . . . . . .$37,500 GRAIN CARTS (A) Orthman 608 24.5x32 tires, 1000 PTO. . . . . . . . . . . . . . . . . . . . . .$9,500 . (A) J&M 1050-22, hyd. spout, 42” walking tandem, scale . . . . . . . . .$37,000 (A) 2008 J&M 750-18, 24.5x32 diamond tread, tarp, 1 3/4 PTO . . . .$19,500 (A) J&M 750-16, 20.8x38 tires, 1000 PTO . . . . . . . . . . . . . . . . . . . .$17,000 . (A) J&M 750-14, 30.5x32 tires, scale, tarp, 120” axle . . . . . . . . . . . .$13,500 . (N) Dakon 250 Gravity Wagon, 1212 gear . . . . . . . . . . . . . . . . . . . . . .$1,200 . $1,200 (N) Dakon 280 Gravity Wagon, 1212 gear . . . . . . . . . . . . . . . . . . . . . .$1,200 . (N) Brent 772, Single Tang Hitch, 1000 PTO . . . . . . . . . . . . . . . . . . .$12,500 . HAY EQUIPMENT A . . . . . . . . . . . . . . . . . . . . .$92,500 . (A) 2005 CIH RBX562 Baler, 6,850 bales, 1000 PTO . . . . . . . . . . . . .$15,000 . (A) 2004 NH BR780 Round Baler, Net + Twine . . . . . . . . . . . . . . . . . .$9,500 . (A) 2004 Vermeer R23A Twin Rake . . . . . . . . . . . . . . . . . . . . . . . . . . .$6,750 . .$11,000 (C) 2003 MacDon 5020 14’ mower cond., 540 PTO . . . . . . . . . . . . . (N) 2002 CIH SCX, 14’, Mo-Co, 1,000 PTO, rubber rolls . . . . . . . . . .$11,500 . . . . . . .$7,500 (C) Tonutti Dominator, V14 rake, only 500 acres . . . . . . . . . . . . . . . .$10,000 . FEED WAGONS (C) Oswalt 370 mixer wagon, 540 PTO . . . . . . . . . . . . . . . . . . . . . . . .$6,000 . . . . . . . . . . . . .$26,000 . $26,000 . . . . . . . . . . . . . . . . . . .$12,000 . . . . . . . . . . . . . . . . . . . .$26,000 . SHREDDERS (A) Rhino SR18, Bat Wing, 1000 PTO . . . . . . . . . . . . . . . . . . . . . . . . .$6,500 . (A) 2009 Rhino 184, 7’ 3PT rotary cutter . . . . . . . . . . . . . . . . . . . . . . .$1,750 . SKIDSTEERS (A) Bobcat 72” Industrial Bkt., grapple, like new . . . . . . . . . . . . . . . . .$3,000 . (A) Vassar #5 Tree Shear, like new . . . . . . . . . . . . . . . . . . . . . . . . . . .$5,500 . (A) Bobcat 873G, 2,950 hrs., 74” Lo-Pro bucket . . . . . . . . . . . . . . . .$13,500 . (A) Bobcat 863, 1,449 hrs., 74” bucket, cab . . . . . . . . . . . . . . . . . . .$11,800 . CENTER PIVOT (A) T&L, 8 Tower, 1300’, Good Condition . . . . . . . . . . . . . . . . . . . . . . . . Call C-CROFTON N-NELIGH AFTER HOURS PARTS HONE Financing Available W.A.C. ©2008 CNH America LLC. All ights reserved. Case IH and CNH Capital are regis registered trademarks of CNH America LLC. ALBION 402-741-0055 CROFTON 605-660-6175 NELIGH 402-929-0120 2630 State Hwy. 14, Albion West Hwy. 275, Neligh FINDING 12 PERCENT Dear Dave, Where can I find mutual funds with a 12 percent rate of return? —Jason Cars 1200 USED EQUIPMENT USED TRACTORS 12 MONTH 0% INTEREST WAIVER (A) 2013 Magnum 260 MFD, 369 hrs., 540/1000 PTO . . . . . . . . . .$168,000 (C) 2013 Mag 235 MFD, 23-spd., 540/1000, PTO, loader . . . . . . . .$174,500 (A) 2013 Maxxum 125, MFD, 42 hrs., loaded . . . . . . . . . . . . . . . . . .$78,500 (A) 2013 MTX120 MFD, 309 hrs., Idr. w/grapple . . . . . . . . . . . . . . . .$74,500 (A) 2013 MTX150 MFD, 233 hrs., Idr. w/grapple . . . . . . . . . . . . . . . .$84,500 (A) 2013 MTX150 MFD, 502 hrs., Idr. w/grapple . . . . . . . . . . . . . . . .$82,500 (A) 2012 Mag, 235 MFD, 369 hrs., 540/1000 PTO, 46” duals . . . . .$149,500 (A) 2012 XTX145 MFD, 520 hrs., Idr. w/grapple . . . . . . . . . . . . . . . .$79,000 (A) 2012 Mag 290 MFD, 884 hrs., susp. axle, 19-spd., 46” duals . .$195,000 (A) 2012 Steiger 500 4WD, 269 Hrs., Cab Susp . . . . . . . . . . . . . . .$255,000 (A) 2011 Mag 340, 788 hrs., duals, 23-spd., susp. axle . . . . . . . . .$198,000 (A) 2011 Maxxum 140 Pro, 1,600 hrs., susp. cab, MFD, creeper, joystick . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $82,000 (A) 2011 Mag 340 MFD, 1,171 hrs., susp. axle, 23-spd . . . . . . . . .$195,000 (A) 2010 CIH Mag 225 CVT, 2,519 hrs., lux. cab, susp. axle . . . . . .$115,000 (A) 2009 Mag 210 MFD, 1,850 hrs., 42” duals, 540/1000 PTO . . . .$120,000 (A) 2008 MX215 MFD, 2,450 hrs., creeper, 46” duals . . . . . . . . . . .$110,000 (C) 2007 MX215, 3,000 hrs., duals, MFD, 540/1000 PTO, 4 valves .$107,000 (A) 2002 MX200 MFD, 5,097 hrs., 540/1000 PTO . . . . . . . . . . . . . . .$75,000 (C) 1997 CIH 8920 MFD, 540/1000 PTO, duals . . . . . . . . . . . . . . . . .$49,000 (A) 1981 CIH 5088 2WD, 4,000 hrs., 3 hyds., 540/1000 PTO . . . . . .$16,000 (A) 1974 IH 966, 4576 hrs., cab, 3-pts., 2 hyds., 540/1000 PTO . . . . .$7,500 (A) McCrmk C60L 2WD, 160 hrs., 540 PTO. . . . . . . . . . . . . . . . . . . .$16,000 . (A) Allis Chalmers B, 60” belly mower . . . . . . . . . . . . . . . . . . . . . . . . . . $750 the big answer here. What you both need is a behavior change when it comes to money. My advice is to leave the 529 alone. Stop adding to it for the time being. Put any retirement saving you're currently doing on hold, too. You guys need to start living on a budget, working a debt snowball plan and looking for extra income. Even tutoring would bring in some additional cash. I've got a feeling, too, that those masters' degrees can provide you with more money than you're currently making. It can be done, Sean, but it's going to take a lot of hard work and discipline. It may even take four or five years to get this mess cleaned up, but you can't keep living without a plan! —Dave Dear Jason, There aren't a lot of them, but they are out there. Currently, there are about 8,000 different mutual funds floating around. You have to get online and do some serious research, or talk with an investing professional with the heart of a teacher, but I own several mutual funds that have an average annual return in excess of 12 percent over the lifetime of the fund. Now, do they make that every single year? Of course not. The figure I'm talking about is an average. I own one in particular that has done that for about 70 years. But the stock market in general has averaged just under 12 percent a year since its inception. So yes, with solid research and due diligence on the part of the investor, it is possible to get that as an average annual rate of return! —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. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Cars 1200 Cars 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 CHEAP AUTO INSURANCE! Low Rates, Save BIG! Call 1-866-932-8692 for a FREE Quote 24/7 www.AffordableInsuranceRate.com (MCN) DONATE YOUR CAR, TRUCK OR BOAT TO HERITAGE FOR THE BLIND. Free 3 Day Vacation, Tax Deductible, Free Towing, All Paperwork Taken Care Of. 1-800-283-0205 (MCN) GET CASH TODAY for any car/truck. I will buy your car today. Any Condition. Call 1-800-864-5796 or www.carbuyguy.com nani Were you happy with your last experience at a car dealership? If not call me DAN VANOSDEL at Vermillion Ford (605)624-8624 or (605)661-1320. New and used Ford cars and trucks or anything else you need. Great Service, No Pressure, No Hassles and NO Doc Fees! No Kidding! Call Classi?eds 665-5884 GUBBELS SALVAGE Wanted: • Old Cars • RV Motorhomes • Farm Machinery • Irrigation Systems • Any Type of Scrap Iron • Grain Bin Removal Paying Top Dollar Will Pick Up Towing Service & Skid Loader Work. 1-402-640-6335 Coleridge, NE ABSOLUTE FARMLAND AUCTION Monday, August 11, 2014 at 2:00 p.m. Held at the City Hall in Fordyce, NE CEDAR COUNTY Located West/Northwest of Hartington, NE, this exceptional bare cropland quarter is a very desirable unit. Owners: James T. Goetz Estate & Tom Goetz Call for complete brochure Pfeil & Associates, Inc. Wausa, Nebraska 402-586-2277 www.pfeilandassociates.com • www.nebraskaauctioneers.com email: ?andman@gpcom.net Still time to enroll! You are invited to come and learn about Industrial Maintenance Technology 9-month program offered at RTEC in Yankton! Visit with MTI representatives on Wednesday, August 6 9:00 AM - 4:00 PM at RTEC 1200 W. 21st St., Yankton Scholarships Available! Classes begin August 25!