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Instant Offer: 1-888-420-3805 (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) 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! 1210 For Sale: Sharp 2010 Chevy Cobalt: 4 door, red with black heated leather, sunroof, 44,000 miles. Was part of ignition recall which has been replaced. Asking $8,300 or make an offer. Call (605)661-9113. 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 Need Car Insurance? Lowest Down Payment - Canceled? State Letter/SR71? Accidents? Tickets? DUI? Instant Coverage! www.InsureACar.com Toll-Free 1-888-358-0908 nani Dave Says Chapter 7 vs. Chapter 13 —Claudia Dear Claudia, Chapter 7 Dave bankruptcy is what most people think about when they hear the word “bankruptcy.” It’s total bankruptcy, almost like dropping an atomic bomb on your entire financial picture. Virtually all of your unsecured debt (except student loans, child support and money owed to the IRS) is wiped out. These things are not bankruptable. About 98 percent of the time, creditors of your other unsecured debt - things like credit cards and alike - get nothing. Items that are secured debt, such as your car or house, are treated a little bit differ- ently. If you’re behind on payments, you may be allowed to get current. In most cases, banks will allow you to resign in a process called reaffirming the debt. Chapter 13 bankruptcy is a payment plan structured over five years. In it, you have to pay all of your secured debt. If it has a lien on it, you pay 100 percent to keep the item. You also have to pay a portion of your unsecured debt. Again - like in Chapter 7 - debt to the IRS, child support and student loans don’t go away. For any other unsecured debt, you can pay a percentage of what’s owed. An overall payment plan is developed, and you make those payments for five years. I’m not a big fan of either one. —Dave 100% MORTALITY RATE Dear Dave, Do you think it’s unreasonable to ask my 76-yearold husband to have a will drawn up? He had one made when we lived in Florida, but we moved to Georgia. He won’t do it, because he says wills aren’t recognized in Georgia. —Cam Dear Cam, Wills aren’t recognized in Georgia? Where did he get his legal advice, in a bar or pool hall? Okay, let’s straighten this out. The will he had drawn up in Florida wouldn’t be recognized in Georgia, but he could have one made in Georgia that would be absolutely valid and legal. Everyone: No matter where you live, you need a will. If you die without a will in place, your family has to go through the court and jump through all sorts of hoops to settle the estate. The process can take several 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 fishing 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 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, BY DAVE RAMSEY Dear Dave, What’s the difference between a Chapter 7 bankruptcy and Chapter 13 bankruptcy? RAMSEY For Sale: 1999 Ford F350, 4x4, Crew Cab, Lariat, V10, Automatic, 159,000, Clean, Sharp, $9,000 OBO, (605)934-2737, Alcester. 1240 Boats - Watercraft 1994 Starcraft, pikemastergreat shape! 1994 Mercury 60 hp., power trim and tilt, Minnkota trolling motor, 55lb. thrust, and co-pilot. 2 Hummingbird depth finders, bilge pump, pedestal seats. Tracker Roller trailer with spare tire, Bimini top, custom boat cover $4,500. (605)664-0810. MV Shopper 1245 2011 Forest River Wildcat 5th wheel camper, like new, with all extras. $29,000 (402)841-4700. RVs - Campers 2000 Prowler, 30-foot travel trailer, fiberglass, one large slide, $12,000/OBO. (605)665-4231 or (605)665-8332. 2013 42? 5th wheel trailer. 3-slideouts, 2-bedroom, washer/dryer, dishwasher, triple axle, every option. $32,000. (605)430-2664. Read & Recycle! ! " # $  $ % AUCTION      INT BOOK 57 #8 su do ku EA BOOK 57 #8 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 * 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. Trucks M I S S O U R I VA L L E Y Last Tuesday’s Solution months. No one should leave their loved ones in that kind of predicament, when having a will drawn up is such a simple an inexpensive process. Everyone needs a will, Cam. Human beings have a 100 percent mortality rate, okay? No one is getting out of this thing alive. You need a will, a full estate plan with specific instructions on what to do with all your stuff after you die! —Dave 1250 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. Motorcycles 1270 Utility Trailers WANTED JAPANESE MOTORCYCLES 1967-1982 ONLY KAWASAKI Z1-900, KZ900, KZ1000, Z1R, KZ1000MKII, W1-650,H1-500, H2-750, S1-250, S2-350, S3-400 Suzuki, GS400, GT380, Honda CB750 (1969-1976) CASH. 1 - 8 0 0 - 7 7 2 - 1 1 4 2 , 1-310-721-0726 usa@classicrunners.com NEW TRAILER; Do you have a Scissor lift, forklift, skidloader? B&B 76”x12' or 14' 14,000# DROP DOWN trailer. 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'  &($ (  #  $    % &'  #  (  )  ' ) &) #  ( (  *+,-                   .   / -   0            ,- ,-         - 1 %        2          )                   2  )               Towing Service & Skid Loader Work. 1-402-640-6335 Coleridge, NE                       Open To The Public Pancake ast Breakf Pancakes, French Toast, Eggs, Bacon, Sausage, or Biscuits & Gravy 7.00 All You Can Eat $ Children 6-10 $4.00 • 5 & Under Free Sunday, Oct. 5TH • 8-12:30 VFW Post 791 209 Cedar, Yankton • 665-3562 St. Wenceslaus Parish Annual BAZAAR Sunday, October 5th • Serving 2:30pm-7:00pm Lennox offers the quietest, high efficiency furance, variable speed technology that can enhance comfor t and deliver ideal warmth. in air conditioned Beseda Hall, Tabor, SD Chicken, Dressing, Dumplings, Sauerkraut, Mashed Potatoes, Gravy, Vegetables, Fruit Salad, Roll, Kolaches and Desserts. 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