September 16, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Cash Wedding On A Budget By Dave Ramsey When we first noticed the baby sparrow, here at the house, it saddened us all. He had fallen from his nest and was slowly walking around the front yard under the tree while his mother and father had an absolute fit. We knew we were looking at a dead baby bird, as it was only a question of who does it, where it is done, and how long before it happens. Years of experience in these kinds of things have taught us the finality of a baby bird falling out of a tree. Would the end come from a cat, or from a raccoon wandering up from Lewis Creek, or a snake? One of the problems with being a baby bird is that almost everything with teeth wants to eat you, and if you can’t fly, there’s not much you can do about it. 1020 We learned that picking the baby up and putting him back in the nest wouldn’t work, so we were forced to just watch his timid movements around the yard and whisper to him, “I’m sorry, pal.” You might think that the older we get, the tougher our shells become to these little natural tragedies, but it doesn’t seem to work that way. Maybe it’s because we’ve now had children of our own, and grandchildren, too. Maybe that’s why it actually hurts more to see a helpless baby bird today than when we were 11 and riding our bikes on the river trails. Back then we were bulletproof, flexible, and immortal. But we learned things over the years. We saw people our age die. We saw younger people die. We Food - Beverage 1200 accumulated our own little collection of personal tragedies. Then the baby found the drain spout. Yep, that little rascal hopped into the drain spout coming off the roof and had sense enough to stay in there, coming to the edge of his “cave” only for meals from his anxious mother. A week later, I thought I recognized him sitting on a tree branch, looking smug. He wasn’t in the drain spout and I didn’t see any feathers around on the ground. We live in an age of small, but important, miracles. --------Listen to the “Home Country Hour” podcast on your computer or other electronic marvels, at www.slimrandles.com. Cars 1200 Cars Homegrown Chicken Fryers, $6.25. Maxwell Colony Call for appointment to meet in Yankton. (605)660-0997. 1200 Cars 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. 1990 Dodge Spirit, 61,000 miles, 4-cylinder, automatic, good condition, $700. (605)665-8930. DONATE YOUR CAR, TRUCK OR BOAT TO HERITAGE FOR THE BLIND. 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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. Motorcycles 2002 Harley Davidson XL883 Roadster, great condition with saddle bags. Call (605)660-3939. 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! unexpected happened to you. But if you don't have money saved, and you've got a bunch of debt, you might want to consider a small, term life insurance policy. At your age, if you're fairly healthy, you can get $100,000 worth of coverage for almost nothing. Remember, you shouldn't buy life insurance to leave an inheritance. You should buy life insurance is to make sure there's enough money to take care of your family and final expenses. You wouldn't want your parents or someone else having to foot the bill once you're gone! —Dave Work Wanted 1435 Work Wanted: Christian instructor, sow and reap Sundays 10:30am Westside Park, Yankton (605)661-8804. 1360 Buying junk cars, pickups, vans, running or not. Instant quote & free pickup. McLean Auto Salvage. (402)360-0756 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) Dear Dave, I'm getting married soon, and my fiancée and I together have saved about $9,000 for our wedding. Right now, we're doing really well on our budgets and Dave almost always have money left over each month. Should we use the extra money to continue paying down our debt, or is it okay to use it for a few wedding incidentals? —Nathan Dear Nathan, I love the idea of having a nice, reasonable wedding paid for with cash. Some people look at weddings as an excuse to go nuts, but you guys sound like you have a good plan in mind. The average cost of a wedding in America right now is around $30,000. Even if the extras you mentioned run $5,000 to $6,000, you're still talking about half that amount. So, let's look at it this way. Basically, you're asking me if it's okay to put your debt snowball on hold temporarily in order to modestly enhance your already reasonable wedding plans. My answer is yes! Now, if you'd told me you wanted to drop $50,000 on the wedding instead of getting out of debt, I'd think you were crazy. It doesn't sound like you two are going to abuse the situation, though. I think you're both being very wise. God bless, and I hope you have long and happy lives together! —Dave TAKING CARE OF FINAL EXPENSES Dear Dave, I'm 30-years-old, single, I rent an apartment and I have no dependents. Do I need life insurance? —Shawna Dear Shawna, You may have very little need for life insurance in your situation. If you have enough money saved up to pay for your burial, and you don't have any debt, there's really no reason to carry a policy. No one is going to be harmed financially by your death, and no one would be deprived of the income that would be lost if something Baylor Computer Services Repair, Virus/Malware removal. Increased speed & performance! House calls. Clay (605)661-0494 High Speed Internet Anywhere! $10 a week for 10 MB's. No Equipment to buy. Call for additional specials! 866-378-1506 (MCN) 164.72 +/- ACRES OF CLAY COUNTY FARM LAND Monday October 6th 9:30 a.m. Located: From Wakonda, SD: 2 miles West, 1/2 mile East. 30133 453rd Ave, Wakonda, SD. Auction will be held onsite. Legal: The NE 1/4, Sec 30-95-53, Clay County, SD 164.72 taxable acres. Taxes are $3,742.78. The Clay Count y FSA Of?ce shows 159.47 acres of cropland with the balance into an old building site. 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