July 21, 2015 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Paying A ‘Stupid Tax’ BY DAVE RAMSEY Dear Dave, My husband broke a few ribs and his collarbone a couple of years ago when he flipped our ATV. He’s fine now, but we still have about $20,000 in medical bills because we were both between jobs and didn’t have medical coverage when the accident occurred. We also have two credit cards, one with a $1,000 balance and the other a $7,000 balance. We only have $200 a month we can put toward debt, so where should we start? —Sandy Dear Sandy, Not having health insurance at any time of your life is not smart, regardless of being between jobs or not. Ouch, what a mess! You didn’t tell me what you guys make, but I can tell you a few things. Number one, you’re probably going to have to get your income up. You may have to take on a couple of parttime jobs or work some overtime. My grandmother used to say, “There’s a great place to go when you’re broke — to work!” If you only have $200 a month to put toward your debt, you’ve got to create some margin, and that may be on the income side of things. The other thing I’ve found is this: Most people seem to be able to magically find money when they feel it’s a life or death situation. “Magically” means that you do a budget. You make a written game plan where every dollar has a name before the month begins. When you write down every dollar, and you and your husband sit down and agree on where every dollar is going to go, you’re going to have an ah-ha moment that feels like you got a raise. If you’re normal, you waste a bunch of money because you don’t budget Dave and have a written plan. And normal pretty much sucks! So, here’s the drill. Start living on a written budget, extra work, start working the debt snowball and pay off those debts from smallest to largest and don’t even think about a vacation or anything else that’s not necessity based until you clean up this mess. When you start living with a scorched earth idea — beans and rice, rice and beans — I’ll bet you’re going to find a lot more than $200 in your budget to put toward killing off this debt! —Dave RAMSEY HELP AND WISDOM Dear Dave, Recently, I met a young man who was put out on the street when he turned 18. He lives on food stamps and $10 a week. My wife and I are on Baby Step 7 of your plan and have a great income, and our whole family feels called to help this kid — maybe even taking him into our home. Do you have any advice? —Mitch Dear Mitch, You guys obviously have loving hearts and are doing great financially. But let’s take a look at few important factors in a decision like this. If you’re thinking about actually taking him in under your roof, you need to remember that your first responsibility is to your family. You have to make sure they’re safe, and that would include finding out everything there is to know about this guy. Talk to his past teachers, coaches or even family members if you can find them. Spend some time just talking to him, too, and find out more about his background, attitude, habits and goals. Then, if you still feel led to open your home to him, make sure everyone involved signs an agreement with really clear rules and guidelines about what is expected, what will not be tolerated and the rewards and consequences of each. Helping him with food and clothing alone would be a generous act, but what you’re considering is absolutely amazing. Just make sure, if you go this route, to do it not just with love, but with lots of forethought and wisdom. —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 Call 665-5884 to Dave on Twitter at @DaveRamsey and on the webplace your ad here. at daveramsey.com. Interested in this spot? Call 605-665-5884 Or Drop By At 319 Walnut St. PUBLIC AUCTION SUNDAY, JULY 26th, 2015 LOCATED: SKYLON BALLROOM - 320 S. ROBINSON STREET HARTINGTON, NEBRASKA AUCTION STARTS @ 10:00 A.M. - LUNCH AVAILABLE AUCTIONEERS NOTE: Please join us for this excellent auction from two estates. We will start @ 10:00 A.M. selling the Warnke’s tools followed by firearms and ammo. Following the Warnke’s property we will then start on the Lynn Buechler Estate property. Visit our website www.CHJAUCTIONEERS.COM for many photos. SPECIAL NOTE: A Nebraska Firearm Permit or FFL Information is required to purchase ANY GUN. To Purchase Hand Guns, you must be a resident of Nebraska & have a handgun permit. There will be a $ 15.00 per gun charge to the buyer for the transfer of ANY GUN. We will have a gun dealer on site to handle the transfers. If you do not have your permit, the gun will have to be picked up at the dealers premise. NO EXCEPTIONS! SHOP TOOLS: Central Hydraulic 2 Ton Engine Hoist - Like New, Generac 6250 10 hp Gas Generator - Like New, Honda 5 ½ hp. Power Washer, Foley-Belsaw Model 910 12 ½” Planer on Stand SN # 23879, Craftsman 10” Table Saw w/ Router Mounts, 3 Ft. Turning Lathe, Craftsman 10” Band Saw - New In Box, B & D 6 “ Bench Grinder, Sears 2 ¼ Ton Floor Jack, Acetylene Torch Set (Less Tanks), Craftsman 230 AC/DC Amp Arc Welder - Like New, Craftsman 1 ½” Router, Delta 1” Belt / 5 “ Disc Sander, Makita Belt Sander 7 Angle Grinder, Central Phuematic 11 ga. Coil Roofing Nailer, Chicago 10” Compound Miter Saw, 22” Variable Speed Scroll Saw, 3/8” Air Impact, Central Pheumatic Air Drill, Asst. of Misc. Sanders, Trouble Lights, Large MAC Tools Tool Cabinet, Huot Tool Cabinet, Snap-On Torque Wrench & Torqometer, Very Large Offering of Assorted Sockets - Including Deep Well & Impacts From ¼” ½ & 3/8” (100’s of them), Many Wrenches including; Open End, Line Wrenches & Ratchet Wrenches, Air Impacts, Chisels, Drill Bits, Screw Drivers, Nut Drivers, Cutters, Pliers, Wire Strippers, Hammers, Crescent Wrenches & Much More, Husquarna Chain Saw, Lazy Boy Gas Powered Chipper w/ B & S 5 Hp Engine, Small Lawn Rubber Tired Wagon, Bear Paw Snow Shoes, New Ames Wheel Barrow, MinnKota Trolling Motor, Gas Weed Eater, Older Gas Powered Generator, Next Bella Vista Bicycle, Stow Away Soft Luggage for Motorcycle, Misc. Fishing & Camping Equipment - Including Camp Stoves, Tents Coolers & More, Forks, Rakes, Shovels, Etc, Rocks, Agates, & Minnesota Rocks Etc., Gas Furnace, Car Ramps, Creeper (2) Food Dehydrators, PLUS MANY MORE MISCELLANEOUS ITEMS FIREARMS: Winchester Model 88 - 308 w/ Bushnell Scope, Harrington & Richardson Inc. Shikari model 155 - 44 Rem. Mag. w/Cleaning Rod, Marlin Glenfield Rifle - Model 20 - 20 gauge w/ Scope & Clip, BSA (Berlington Small Arms) 30-06 Rifle w/Bushnell Scope # 3T46621, J.C. Higgins w/Huskavarna Action Rifle Model 51L - 308 - w/ 3-9x32 Deerfield Scope, 1910 Mexican Mauser Short Action Rifle - 300 Win. - w/ Tasco 6-24 x 40 Scope, 1910 Mexican Mauser - Short Action Rifle w/ Muzzle Break 6.5X 55 Swede Cal. - Simmons Wide Angle 6.5-20x44mm Scope, 03A3 Rifle w. Muzzle Break - 300 Win. Mag. w/ Tasco 4 x 40 Scope, Marlin Bolt Action Model 80 DL .22 Caliber, w/ Clip (Shoots all 3 lengths ammo), Mauser 98 Rifle - 338-06 caliber w/ Simmons Scope Optic Pro 50 2.5-10 x 50 WA, US Henry Survival Rifle Model H002 .22 Automatic (Break Down Gun) in carring Case, H & R Model SB2 Ultra Rifle - 25-06 w/Scope, Stevens Model 820B - 12 ga. Pump, Barrel Modified for a Weaver Choke, SKS Automatic Rifle 762-39 cal., w/ 3 x 20 Round Magazines w/ Red Dot Tasco Scope, Stevens Model 94F - 20 ga. Single Shot, Winchester 1890, .22 short Pump SN # 568198, Savage 24 Series S, Over & Under 22 LR, 20 ga. 3” SN # E897684, Browning Arms Co. 12 ga - 2 Shot Automatic - Made in Belgium, Silver Engraved, Browning Sweet 16 - Gold Trigger, Made in Japan , Douglas Arms Co. Double Hammer Barrel 12 Ga. PISTOLS/REVOLVERS: CZ52 Automatic 762 x 25 cal. Pistol w/ Holster & 1 Magazine, Llama Super Comanche Revolver Model 111, 44 Mag. w/ Bianchi Cyclone Holster, Liberty Kodiak, 38 Special Revolver w/ Home Made Holster, Auto-Ordnance Corp 45 Automatic Pistol w/ Holster & 6 Magazines, Single Shot Black Powder Pistol 45 Cal. Mfg’d by Ultra Hi by Miroka, Japan BLACK POWDER RIFLES: Knight 50 caliber Black Powder Rifle, MML Inc. LK93, Traditions Stainless Steel Black Powder-In-Line Rifle - 50 caliber, Thompson Center Arms, White Mountain Carbine Black Powder 50 caliber Rifle, Richland Arms Co. Black Powder - made in Italy - 50 caliber - Missing Parts, Black Powder Jukar Made in Spain Rifle - Needs Parts PELLET RIFLES/AIR RIFLES: Walter Talon Magnum Break Barrel Air Rifle 0.177 Caliber w/ 3-9 x 32mm Scope, (2) Cummins Industrial Tools Pellet Rifles w/ Scopes Light Brown & Dark Brown Stocks, Rugar Air Hawk Pellet Rifle 4 x 32 Rugar Scope Optima w/ Mounts, Power Master Cross Bow & Arrow Quiver AMMUNITION & RE-LOADING SUPPLIES & EQUIPMENT: Very Large Assortment of Ammunition Including; 44 Mag, 45 acp, 30-30, 6.5x 55, 300 Win. Mag, 338-06, 25-06, 308, 30-06, 7.62 x39, 7.62 x 25, 12 gauge & 20 gauge. (Many Rounds of Ammo of each), Primers, Casings, Lead & Much More, Black Powder Supplies WADE WARNKE ESTATE -- AUDREY WARNKE - OWNER Following the Sale of the Warnke Property we will sell the following for the Lynn Buechler Estate. FIREARMS: Remington Model 870, 3 ½” 12 ga. Never Fired, H & R Pardner 410 Single Shot, Marlin Model 60, 22 LR, Never Fired, CIA 12 gauge Coach Gun - Never Fired, Savage Mark II, .22 LR - Never Fired, Savage 93R17, .17 HMR, Never Fired, Remington Model 770, 7mm Remington Mag, Savage Model 111, 30-06, Mitchell Mouser 8mm - New In Box, Winchester Model 190 .22 LR, Glenfield Marlin 30-30, Savage Model 110 - 270 cal., Remington Model 700 223 cal., Russian Nagant 7.62 Nagant Revolver, Plus Large Selection of Miscellaneous Ammunition to be sold including; Many 12 gauge Shells, 9mm Rounds, 270, 30-06 & More - Large Offering LYNN BUECHLER ESTATE See WWW.MCHJAUCTIONEERS.COM For Listing and Photos TERMS: CASH - OR BANKABLE CHECK - NOT RESPONSIBLE FOR ACCIDENTS OR THEFT AUCTION CONDUCTED BY: CREAMER HEIMES JANSSEN AUCTIONEERS & APPRAISERS L.LC. AUCTIONEERS: Ryan Creamer 402-254-9753 Alton Heimes 402-254-3315 Roger Janssen 402-388-4409 Early Weaning Beef THIS SPOT? INTERESTED IN Calves Call 665-5884 toAlthough spring and summer rains BROOKINGS, S.D. - place your ad here. have relieved drought concerns for most of South Dakota, there still may be situations where forage is limited. On cattle operations where forage is limited, Warren Rusche, SDSU Extension Cow/Calf Field Specialist, said early weaning may be the most effective way to add body condition on cows. “Between reduced nutrient requirements and feed intake for the cow, plus the forage that the calf would have consumed, early weaning results in a 28 percent reduction in daily forage demand,” Rusche said. “That difference could be enough to either avoid deeper culling during drought or • Horse Arenas extend the grazing season long enough to save significant • Private Drives amounts of winter feed.” • Unpaved Roads Rusche added that as long as they have high quality diets to eat, early-weaned calves generally are more efficient, • Elevator Access compared to calves weaned at older ages. “Feed conversions • Free Estimates Call 665-5884 to around 5 pounds of feed to 1 pound of gain are certainly posplace your ad here. sible,” he said. 605-491-2133 At weaning, calves require a diet that contains about 16 percent crude protein and 70 percent total digestible nutrients (TDN). “Typical diets are about 60 percent grain and 10 Interested in to 20 percent higher protein ingredients, with the balance of the ration comprised of higher fiber/roughage feedstuffs, as this spot? well as vitamins and minerals,” Rusche said. Marketing early-weaned calves Call 665-5884 to Marketing early-weaned calves at weaning can be a major place your ad here. drawback to this system, Rusche explained. “Depending on the price slide in place at sale time, younger calves will obviously weigh less, and might bring fewer dollars to the ranch,” FREE Roof Inspections! YOU NEED IT TODAY? NO PROBLEM! he said. Finding buyers that want to feed and buy lightweight 55465 Hwy. 121 • Crofton, NE calves is another obstacle Rusche explained. “Not every Missouri Valley feeder is set-up to handle and manage very young cattle, 216 W. 4th St. • YANKTON,SD which can affect the number of potential buyers and how ag605-665-5884 A&ARoofing19-152x2MVS.indd 1 5/29/15 10:00 AM gressively they bid on lightweight calves,” Rusche said. If calves are retained on the ranch, the additional feed required must be considered when evaluating whether or not Interested in this wean early, he explained. “Early-weaned calves will spend spot? to more total days on Call 665-5884 to place your ad here. harvested feed, but will usually reach slaughter weight at a younger age,” Rusche said. “The age difference could be a significant advantage if they are finished INTERESTED INbefore seasonal market declines occur.” THIS SPOT? 312 W. 3rd, Yankton • 665-9092 Creep TO CALL 665-5884 feed success PLACE YOUR Some producers have successfully weaned calves on AD HERE. pasture with a creep feeder. Once calves were consuming sufficient amounts of creep feed, the cows are sorted off leavThe Help Wanted ing the calves behind. “This works particularly well for older cows with lower milk production that are due to be culled,” section can help. Rusche said. There’s something for everyone in He added that using feedstuffs such as small grain rethe Shopper! Place your ad now: growth, cover crops or crop residue is another strategy to cut 605-665-5884 costs. Another concern is keeping calves healthy. Because these calves do not have to deal with colder, wetter weather, Rusche explained that they can transition through the weaning process relatively well, provided they consume enough feed during the receiving phase. They can also get the benefit of some disease protection from maternal antibodies. Producers should consult with their veterinarian for a health plan specifically designed for their operation. Like many management practices, Rusche said the deciThis is your invitation to attend Worship: Sunday sion to wean early should be based on the individual ranch morning at 10:45 am or Wednesday evening at circumstances. Early weaning is more likely to be economi7pm. Our Worship Center is located at 607 E. 15th, cally viable when: Yankton, SD. See you there!! * Forage quantity limits performance, due to either growPhone: 605-665-7587 ing conditions or stocking rate decisions. Text: 434-665-2467 * Cows are thin, especially if they are young. www.yanktonbaptistchurch.com * The ranch has the ability to manage young calves, or there are enough buyers willing to purchase early-weaned calves without discounts. * The combination of reduced demands on pasture, improvements in body condition and reproduction, and the value of feed efficiency benefits are great enough to overcome the increased feed costs and management required. ?iGrow Don’s Dust Control Want your business to be seen? Get your display ad here! “Bert looks good this morning, Doc,” Dud said, quietly. Three stools down the counter, Bert smiled and said, “Yes, I certainly do!” We turned toward our old pal. “You heard that?” “Sure did, guys,” he grinned. “Look….” He pointed to his ears. “Hearing aids,” he said. We walked over and looked, and sure enough. “It was Maizie’s idea,” Bert said. “She made the appointment and everything. Said she was tired of having the TV on so loud.” “But it was a good idea, Bert,” Doc said. “Oh, I know. I’d been thinking about it for some time, Doc, but you know how a guy gets. You never really want to admit you need them, I guess. Truth is, I didn’t know how bad my hearing had become until I got them. Yesterday, when we got that little shower … I heard the rain on the roof. I heard a clock tick, too, and it’s been years for both those things.” “Both what things?” said Herb. We all looked at each other. We knew who should be next. “Rain and clocks, Herb.” “Oh … yeah.” “The hearing test lady came in the little room when the test was over and asked me if I’d shot guns a lot,” Bert said. Bert’s younger days as a hunting guide brought nods and chuckles from us. “There’s a range of sound that loud noises can hurt, and I guess that’s what happened with me. Turns out, it’s also the range of most women’s voices.” He grinned. “That may have something to do with Maizie’s making that appointment for me. Now I have no excuse when she says things like ‘Take out the trash’ and ‘When are you gonna mow the lawn?’” Interested in this spot? Roofing • Siding www.missourivalleyshopper.com www.missourivalleyshoppe www.missourivalleyshopper.com Visit our Web site a www.missourivalleyshopp www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com 605-464-0493 FAX IT 605-665-5882 Shopper SUMMER AR FOOTWE SALE! 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