081115_YKMV_A2.pdf
August 11, 2015 • Page 2
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Dave Says
Need A Side Income
BY DAVE RAMSEY
Dear Dave,
My wife and I are thinking about
selling our home. I was recently let go
from the military due to downsizing,
and I’ve begun a job in real estate but
things are starting slowly. My wife brings
home about $3,500 a month as a teacher,
and the only debt we have is our house
payment of $1,616 a month. I was given a
$35,000 severance package, but we need
some advice to help bridge the financial
gap. Any ideas?
—Erik
Dear Erik,
Having little or no income is a lot
harder than a variable income situation. Your wife is bringing home good
money, but at the moment your house
payment is almost half that amount. Are
there some things you can do on the
side while you’re getting your real estate
business going that will create income?
If you could make even $1,000 to $2,000
a month, it would change the picture
entirely. You guys would be able to keep
your home and have a little breathing
room while you get your real estate
career off the ground.
Looking at it from a long-term
perspective, if you’re selling a bunch of
houses a year or two from now, you’re
in the clear. You could easily stay in the
house. But if you
don’t find extra
income while you
build your business,
if you’re not willing
to work extra hard
and sacrifice in the
meantime — even if
it means just delivering pizzas — then
you probably need
Dave
to sell the house.
It takes about six
to nine months to
start making a living
in the residential real estate business. So
look at it this way: the more houses you
sell, the less time you spend delivering
pizzas. All this really hinges on is how
badly you want a career in real estate
and how much you guys want to keep
your home. If you want it enough, you’ll
do what it takes to get there. And for the
time being that’s going to mean supplementing your income with something on
the side while you grow your real estate
business!
—Dave
RAMSEY
PAY OFF DEBT FIRST
Dear Dave,
We’ve made an offer on a house we
really like through a first-time buyers
program. Now, after looking over our
budget and debts
again, my wife and
I are having second
thoughts. We haven’t
WAREHOUSE SPACE
signed or turned in any paperwork yet.
What do you think we should do?
—Craig
Dear Craig,
I wouldn’t go through with the deal. I
advise people to be debt-free before buying a home, because you want a home to
be a blessing, not a curse.
Homeownership when you’re broke is
never a good idea. And basically, that’s
the situation you’re describing. You have
debt, and you’re trying to squeak into
something with a first-time buyers plan.
The translation? You have no money.
Everything that can go wrong will go
wrong. That’s Murphy’s Law, and he’ll
move into your spare bedroom along
with his three cousins — Broke, Desperate and Stupid.
Get your debts paid off, build up an
emergency fund, and save up a good
down payment before buying a home. I
know that’s not the popular answer, but
it’s the smart one!
—Dave
Dave Ramsey is America’s trusted
voice on money and business. He has authored five New York Times best-selling
books. The Dave Ramsey Show is heard
by more than 8.5 million listeners each
week on more than 550 radio stations.
Dave’s latest project, EveryDollar, provides a free online budget tool. Follow
Dave on Twitter at @DaveRamsey and
on the web at daveramsey.com.
Doc was the first one in at the Mule Barn truck stop this
morning, so he got to pick, and he chose the round table
instead of the philosophy counter. If you asked him why, he
couldn’t tell you, but some days are just round table days,
while others lend themselves to counter proposals.
In 15 minutes the round table had a quorum of homespun
philosophers, practical jokers, and scientific greatness.
“Puts me in mind,” said Bert, “of the time we were in the
mountains and I was suddenly surrounded by a mountain
lion.”
“So what did you do about it, Bert?”]
“I died, of course.”
Cracker packets flew. While Bert was returning the packets to the packet container, Herb picked one of them up and
examined it.
“Stealth,” he said.
“What’s that, Herb?”
“Stealth. These cracker packets, I mean. Just have a look
at them. See how they are designed, so that the crinkles on
the flat side are just crinkly enough so the radar won’t bounce
back a strong signal? And of course if the packets are flying
sideways, there’d be no discernible bounce at all.”
“Stealthy cracker packets?” said Doc.
“Well sure. You noticed how each of us was able to make
a direct hit on ol’ Bert there? He had no warning. Design is
everything, isn’t it?”
Cracker packets flew once again. Good thing Herb’s radar
was turned off or we wouldn’t have scored as many hits as we
did.
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ANNUAL FALL
MACHINERY CONSIGNMENT
AUCTION
FRIDAY, SEPTEMBER 11
Farm Bill MPP-Dairy
Sign-Up Underway
BROOKINGS, S.D. - The sign-up period for the 2016 Milk
Margin Protection Program for Dairy producers (MPPDairy) is underway and runs from July 1 through September 30, 2015 at your local Farm Service Agency (FSA) office.
“The MPP-Dairy program is a voluntary safety net
program established by the 2014 Farm Bill that continues
through December 31, 2018,” said Tracey Erickson, SDSU
Extension Dairy Field Specialist.
Erickson explained that the program provides eligible
producers with indemnity payments when the difference between an all milk price and average feed cost (the
margin), falls below coverage levels producers select on an
annual basis.
To be eligible for MPP-Dairy, operations must produce
and commercially market milk in the U.S., provide proof
of milk production when registering, and not be enrolled
in the Livestock Gross Margin for Dairy program (LGMDairy).
“Eligible dairy operations must register for MPP-Dairy
coverage at the FSA office where their records are stored,”
Erickson said.
When signing up for the program, producers will need
to supply the following information.
* A production history establishment, which is completed on form CCC-781;
* Election of the annual coverage level and completion
of the contract on form CCC-782;
* Payment of the $100 administrative fee, annually; and
* Payment of the premium, if there is a premium owed.
This will be dependent upon the premium level selected. An operation must pay:
1. the premium in full at the time of annual coverage
election;
2. a minimum of 25 percent of the premium by February 1 of the applicable calendar year of coverage with the
remaining balance to be paid by June 1st of the applicable
calendar year of coverage.
In mid-August, a collaborative group will host a meeting
to explain the parameters of the program, along with showcasing the recently updated MPP-Dairy Risk Management
calculator. For dates, times and locations, visit iGrow.
The collaborative group includes; SDSU Extension,
Southwest Minnesota Dairy Profit Group, Midwest Dairy
Association, NDSU Extension Service, Iowa State University
Extension and Outreach, University of Minnesota Extension, South Dakota Dairy Producers, Minnesota Milk Producers Association, Iowa State Dairy Association, North
Central Risk Management Education Center and United
States Department of Agriculture. ?iGrow
Hartington, Nebr.
To consign your farm, livestock, construction
equipment contact auctioneers:
Alton Heimes (402) 254-3315
Ryan Creamer (402) 254-9753
Roger Janssen (402) 388-4409
ADVERTISING DEADLINE IS AUGUST 30
www.MCHJAUCTIONEERS.com
319 Walnut • Yankton, SD 57078 • Phone: 605-665-5884
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5 miles West of Tyndall on Hwy. 50 Corner of Hwys. 50 and 37
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Ph. (605) 589-3909 or Cell (605) 464-1113
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“A traditional dime store and more”
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