September 9, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Repair Now Or Buy Later? BY DAVE RAMSEY In honor of his entirely fictional pet squirrel, Doc is calling the annual golf tournament the Chipper Invitational this year. He’s thinking of making that a permanent name for his invention, the most unusual golf tournament in history. Oh, you remember how it began, when Doc decided to raise money each fall to buy winter coats for some of the local kids who can’t afford them? And one of the things this valley has never had is a golf course. But that didn’t slow Doc down. With the laughing consent of two farmers whose land abutted each other, Doc got busy. He took a shovel and some long sticks and laid out an 18hole golf course in less than two hours. 1020 He’d dig a hole and put a long stick next to it. Then he’d walk a while and do it again. He did this eighteen times and the course was ready. On the day of the big tournament each fall, the farmers moved their cattle to a safe pasture away from the possibility of deadly golf balls, and the fun was on. Doc charges ten bucks a head for the tournament, almost every able-bodied person in the valley plays, and the kids got winter coats. Not a bad deal. So this year, in honor of Chipper the non-existent pet squirrel, Doc laid out the course up by the forest. The hazards of this year’s course included an elk wallow, a rock face the size of a library and a thicket of manzanita Food - Beverage 1200 Homegrown Chicken Fryers, $6.25. Maxwell Colony Call for appointment to meet in Yankton. (605)660-0997. Homegrown Chicken Fryers, $6.25. Maxwell Colony Call for appointment to meet in Yankton. (605)660-0997. Cars 1200 1966 Oldsmobile Cutlass 2-door hard top with bronze exterior & black top vinyl interior. Hard to find, original condition a survivor! 60,000 miles, $15,500. (605)660-0060. ervice! me Day S a GET YOUR JET SKI WINTERIZED... 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They put a little engraved brass plate on it that reads “Chipper Invitational Golf Tournament …dedicated to the nuts in the valley.” We wonder, also, if Doc benefits any from the sale of golf balls down at the dry goods store. -------Brought to you by Home Country Hour, where you can hear Windy Wilson, among others, at www.slimrandles.com. Storewide Sale on Every Sofa, Chair, Mattress, Lamp, ry fa, r Picture, Accessory.... Well, Every Item is Sale Priced! ry The Brunick Furniture building in Yankton has been so As a result, we are a sold. consolidating our inventory to the Vermillion location. This move will take place soon, so take advantage now of Close-Out Sale Prices on the Entire Inventory in Ya ankton. We would rather sell it than move it! Check out these fantastic deals! Dear Dave, I’m driving a 10-year-old car with 195,000 miles on it. The car needs $1,500 in repairs, and it’s worth $5,000. I have $40,000 in cash saved, $40,000 in investDave ments and I make $80,000 a year. I also have $15,000 in student loan debt, but the only other thing I owe on is my house. Should I pay to repair the car or buy something else for $15,000? — Dave Dear Dave, Nice name! If you wrote a $15,000 check for a newer car and wrote a $15,000 check for the student loans, it would leave you with $10,000. I wouldn’t buy a $15,000 car in your situation. I’d buy a $10,000 car. You could sell your current car for around $3,500 if it needs repairs, combine that with your money and get a $13,500 car. Then, you could write a check and pay off the student loan. With no car payment, no student loan payment and a good car, you can really lean into your budget. Think about it. You’d have no debt except for your home, and you could rebuild your sav- ings in a hurry and be in really great shape in about six months. Plus, you’d have $15,000 sitting there in the meantime! — Dave NO PETS ALLOWED Dear Dave, I have several rental properties, and lately I’ve been spending a ton of money remodeling them because I allow pets. Do you think I should begin refusing tenants with pets? — Jim Dear Jim, This is a tough one for me, because I have three dogs of my own. I’ve got a pug that’s older than dirt, a shih tzu with an attitude and the best golden retriever on the planet. I love animals, and like you, I’ve got a lot of rental properties. But I don’t allow animals in my properties. Some people have accused me of hating all animals except my own. I can tell you that’s not true. But the fact is a lot of people don’t take good care of their animals and keep an eye on them. It’s hard enough to find trustworthy, responsible renters these days, and if you add a dog or cat on top of that you’re just asking for trouble. I’ve had situations in RAMSEY 1200 Cars 1200 the past where I had to spend $10,000 to clean up a house after a tenant had a dog or cat in there. They’ll chew things up, stain and stink things up, and tear things up. Sometimes you even have to replace the floorboards! I had a lady offer me $10,000 deposit the other day on one of my properties, just so she could move in with her dog. I said no. It’s in all my leases now — no animals. I don’t allow them in at the beginning, and if one of my tenants gets one after they move in they either have to find a new home for the animal or move out themselves. At that point they’re in violation of the lease. The problem is I really do have a heart for animals. I love them. But as a landlord who’s running a business, it just doesn’t make sense. — 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/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: 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 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) DONATE YOUR CAR, TRUCK OR BOAT TO HERITAGE FOR THE BLIND. 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