July 28, 2015 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Appreciate Depreciation BY DAVE RAMSEY destroy whatever you drive. You have to think of your vehicle as overhead. So, you’re going to destroy a $25,000 van or a $5,000 van all in the same period of time. As a businessman, which would you rather destroy? The answer is whatever is the least expensive and gets the job done! When you stop borrowing money and don’t have any open accounts, your credit score will slowly disappear. The big thing is that you don’t want to be caught in no-man’s land in terms of a credit score. You want either a fabulous one, which means you’re in debt all of the time, or you want no score because you don’t have any open accounts. By the way, did you know that you can still qualify for a mortgage, even with no credit score? There are still mortgage companies out there that will do manual underwriting. It takes a little extra effort, but in my mind that’s a small price to pay. Cancel the cards, Ken. I’ve never met a millionaire who prospered thanks to credit cards and their gimmicks! — Dave Days like this, said Doc, a guy has to get out and get his yard work done early, before it gets too hot. “So when does it get too hot, Doc?” “Oh, about three o’clock in the morning. Makes it a tossup. Do you get up early without the benefit of coffee and conversation and go weed the petunias with a flashlight, or just stay up late and party, and weed them before going to bed?” “Is this a multiple choice, Doc?” said Steve, ever the practical cowboy. “Was this a rhetorical question or can we pick for Dave you?” Dear Doug, “Those must be powerfully important petunias,” said Dud. There are two things you can do on “How do you feel about naps, Doc?” taxes when it comes to your automobiles. You can straight line depreciate There followed a general round of merriment among the them, which is what you do with expen— Dave august members of the Mule Barn truck stop’s philosophy sive vehicles, or you can write off the counter and world dilemma think tank. mileage. That’s a good idea if you drive DON’T NEED THOSE CARDS “You know,” Doc said, drawing on his philosophical voice, a lot. The thing is, you get the mileage Dear Dave, “I sometimes think it’s a better idea to just go Darwinian and whether you have debt or not. I have two credit cards. One charges Let’s say you bought a $25,000 Dave Ramsey is America’s trusted revert to native plants. Survival of the fittest. Allow the kinds me an annual fee of $79 and the other a van. If you depreciate that over five voice on money and business. He has au- of things to grow in our yards that really want to grow in fee of $39. Should I cancel these and not thored five New York Times best-selling years, that’s $5,000 a year. If you made worry about my credit score? I’d like $65,000, and take $5,000 from that, books. The Dave Ramsey Show is heard our yards. It would be holistic with a splash of organic and natural tossed in. to buy a house in the next two or three you’d pay taxes on $60,000. If you by more than 8.5 million listeners each years. “And what would it hurt? There you’d have this yard full didn’t have that, you’d end up paying week on more than 550 radio stations. — Ken $1,250 in taxes. In other words, you’d Dave’s latest project, EveryDollar, proof plants that really wanted to be there. Big, strapping healthy be spending $25,000 over five years to vides a free online budget tool. Follow plants. Plants well suited to our environment. Plants that Dear Ken, save $1,250 a year on taxes. That’s a Dave on Twitter at @DaveRamsey and wouldn’t have to be weeded and mollycoddled and fussed In my mind, there’s no such thing as trade I don’t think you want to make. on the web at daveramsey.com. about. Plants that would stand up and tell the world ‘I’m here. a good credit card. My advice is to go Remember, too, that you basically ahead and cancel them. I’m strong, and I belong here in Doc’s yard.’” Dud looked at him. “Great idea, but how do you go about doing this?” “Why Dudley ol’ bean,” Doc said, grinning, “that’s the very best part. You don’t do one simple darn thing. Nothing. BROOKINGS, S.D. - South has put into it and her untheir research. point.” No plowing, irrigating, fertilizing, planting, hoeing, pruning ... Dakota State University studerstanding of science and “The response we saw The work showcased in dent, Erin Doherty, won the research. It is just a tremencan actually increase the Doherty’s poster is a contri- nothing. I may have to write a book on it someday.” Dud was still a bit perplexed. “But Doc, if you don’t weed American Society of Animal dous honor, not only in the amount of starch digestion bution of the South Dakota Science (ASAS) national unfact that she was competing happening. So cattle are State University Agricultural these native plants, won’t the weeds take over?” dergraduate poster competi- against other undergraduable to utilize all the starch Experiment Station. Doherty “Weeds? The only weed you might get is a stray rose tion at the ASAS’s 2015 Joint ates from across the country, because it is broken down is a recipient of the SDSU bush, my friend. The weeds of yesteryear are the treasures of Annual Meeting in Orlando but the exposure from it is into more readily available College Of Agriculture & tomorrow!” on July 15. worldwide.” molecules that the cattle can Biological Sciences UnderDud started to smile. “I get it now.” Doherty is the first SDSU Doherty’s poster highuse for energy, and therefore graduate Engagement Award, “And Dud?” added Steve, “Doc can get this magnificent undergraduate to win the lighted their research investhey can get more out of which provided partial fundyard of his while he’s asleep at three o’clock in the morning.” poster competition, which tigating ways to increase their feed,” said Doherty. ing for the research project. showcases student research the efficiency of how starch “This creates a better feed“If it wasn’t for funding from universities nationis digested in the small to-gain ratio and greater cost sources like that availwide. Her poster, entitled, intestine of cattle. According efficiency for farmers.” able for us to work with Men’s & Women’s “Inosine 5’-monophosphate to Brake, the research findDoherty, an SDSU senior undergraduates like Erin, increases glutamic acid ings have the potential to from Luverne, Minn., is we wouldn’t be able to do induced cholecystokinin positively impact the entire pursuing a biotechnology these types of projects,” said release from bovine proximal cattle industry. major and chemistry minor. Brake. “All of her work has small intestine,” is the result “Cattle are poor at While she grew up on a farm, culminated in what I feel is orthotic quality arch of a collaborative research digesting starch in the small her interest in animal scivery impactful research that and heel support project she has worked on intestine. That is unfortunate ence was sparked by being is now nationally recognized. for the past year under the because they can get a lot introduced to Brake while Without all her efforts, none guidance of Derek Brake, more energy from digesting pursuing hands-on research of that would have been pos312 W. 3rd • Yankton • 665-9092 SDSU Assistant Professor starch in the small intestine experience, which he ofsible and I believe it is very of Ruminant Nutrition, and than they do when they fered through this research well deserved.” George Perry, SDSU Profesferment it in their rumen,” project. Doherty received a $500 sor and SDSU Extension Beef said Brake. “Finding ways “The whole experience prize for her first place winSpecialist. for cattle to digest starch of doing this project and nings at the ASAS national “Winning the national better in the small intestine working with Dr. Brake has poster competition. In adASAS poster competition is would allow for increases in just been amazing,” Doherty dition, an abstract of the a very big deal,” said Perry. efficiency of cattle gain and said. “It’s been awesome research by Brake, Perry and “Multiple people tied for sec- an increase in marbling of working with the animal sciDoherty will be published ond, but Erin was the clear the beef.” ence department. They have in the Journal of Animal Sciwinner in the contest. To Doherty described the so many opportunities and I ence at the end of this year. be recognized at that level outcome of the interactions want to thank everyone that ?iGrow shows how much work she that were initiated during has helped me get to this (Any average 3 rooms) Dear Dave, I’m self-employed, and I travel about 30,000 miles a year in my van. I’m three payments away from having the vehicle paid off, but it has 170,000 miles on it. Do you think it would be a good idea for me to buy a new van and have the tax advantages that would go along with it? — Doug RAMSEY SDSU Student Poster Takes First Place Total Support Spenco Boston Shoes to Boots JULY SPECIALS 3-ROOM PACKAGE Mettler Fertilizer Field Day Join Us For Our Field Day And Supper Social! $ 8895 August 13th 3:00PM - 6:00PM Directions from Scotland Cemetery Corner: 2 Miles South, 1 Mile East, ½ Mile South (look for signs) Topics We Will Be Covering: -Precision Planting Demo -Agronomics- Whats Going on in the Fields? -Starter Trials- Different Starter Packages, Fungicides, and Insecticides -Foliar Feeding Trials- Fungicides and Micro Nutrients -Seed Varieties- Dekalb/Asgrow, Prairie Brand, and NK R.S.V.P— By Calling the Menno Location 605-387-5513 By Monday August 3rd, to be eligible for a drawing (Prizes will include two 250 dollar gift cards, Dewalt Cordless Tool Set, and a Yeti Cooler.) Spouses and Significant others are encouraged to come. 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