070715_YKMV_A2.pdf
July 7, 2015 • Page 2
shop online at www.missourivalleyshopper.com
Dave Says
Pause Investing For A Luxury?
BY DAVE RAMSEY
Dear Dave,
Where should you save for large
expenditures when you’re doing the Baby
Steps?
—Heath
of slowing down on
funding your retirement.
The basic idea
here is to always handle your money with
planning, purpose
and maturity. You’ve
got a little room to
play back and forth
once you get past
Baby Step 3. But until
then, I want you to
be hardcore about
scrimping, saving and
getting your financial
house in order!
from a financial standpoint.
Let’s say you buy an item for $1,000,
and you get a cash rebate for $100. Basically, you just paid $900 for that item,
right? So, what the companies are trying
to do is incentivize certain retailers to
buy a particular product or amount of
that product, yet sort of protect the
sticker price in the minds of the consumers. To me, it’s really a little ridiculous.
Why not simply take off the money, and
price it at $900?
That keeps retailers from jerking
around with the margins. It purifies the
process a little bit, but it adds to the
hassle.
Good question, Dan!
—Dave
We all watched as the flag came by. It was the first thing
in the parade, of course. Great big one, carried by two of the
kids from the ROTC at the high school. The bands followed,
along with the mounted patrol, the ski patrol in their summerweight jackets, the float with the princesses on it, and the
Dear Heath,
local kids leading dogs and cats – some rather reluctantly –
Depending on what the expenditure
on leashes.
is, I would suggest saving for these sorts
For some of us, the Fourth of July parade is a
of things after Baby Step 3. Once you’ve
Dave
chance to see just how much the local kids have grown over
paid off all of your debts, except for your
home, and built an emergency fund of
the past year. For others, it’s a chance to see something that
three to six months of expenses, you
is really ours. This is our valley. This is our town. This is our
reach a point where you can breathe a
parade. These are our people. These are the people who
little bit. After all that hard work and
make our little valley unique in the whole world. This is a
—Dave
sacrifice, you’re finally in a position to
chance for us all to get together and celebrate us, you know?
replace that ratty, old furniture or get a
But all that comes later. What comes first on this
better car. The question then is this: How
Dave Ramsey is America’s trusted
day above all others is the American flag. Oh, it’s a great big
THE REBATE EXPLANATION
much do you want to temporarily cut
voice on money and business. He has
one. Where they found this one, I don’t know, but it takes two
back on investing in order to make this
authored five New York Times best-selling
high school boys to carry it. It really doesn’t matter what size
Dear Dave,
expenditure happen?
books. The Dave Ramsey Show is heard by it is, because it’s what it means to us that counts.
How do cash-back rebates work on
Personally, I’d like to see you allocate
more than 8.5 million listeners each week
To Herb over there, there are memories of his terelectronics and other items?
a fixed percentage of your income toward
on more than 550 radio stations. Dave’s
—Dan
play money and still be able to put 15
latest project, EveryDollar, provides a free rible days in Korea, I’m sure, and the wounds that sent him
percent of what you make into retirement.
online budget tool. Follow Dave on Twitter home early. To Doc, maybe it’s the way the G.I. Bill let him go
Dear Dan,
If you want to slow down a bit on Baby
at @DaveRamsey and on the web at daver- back to college and fulfill his life’s dream of taking care of sick
people.
I like this question. Most consumers
Step 5, which is paying off the house, in
amsey.com.
To Annette, over across the street there, there is a
order to take a once-in-a-lifetime vacation, don’t think about how the process works.
look in her eyes that tells us that flag meant she could protest
I’m cool with that. But I don’t like the idea They only care that it’s benefitting them
whatever the complaint-du-jour was during her college days.
She knows there are few places in the world this tolerant of
unpopular opinions.
And then there’s Dewey down on the corner. He’s
got his hand over his heart as the flag goes by. Maybe he’s
thinking of a country that will allow him to start a business
with a borrowed pickup and a shovel and supply our flower
beds with fertilizer. He sure wasn’t able to make anything else
BROOKINGS, S.D. - South Dakota State University Colleges of Agriculture and Biological Sciences and Education and Human work for him. And today this accident-prone pal of ours has
branched out into fishing worms and compost.
Sciences celebrate four individuals for their contributions to South Dakota’s communities and agriculture industry with the
But these are just speculations, because what the
Eminent Famer/Rancher and Eminent Homemaker Honor.
flag means to each of us is personal. We don’t have to tell
The 2015 Eminent Farmers/Ranchers honored are Gary Duffy, Oldham and Rebecca “Becky” Walth, Glenham. The 2015
anyone. We never have to explain. We even have the freedom
Eminent Homemakers honored are Ida Slocum, Aurora and Helen Sweeter, Worthing.
not to be here looking as the flag goes by.
Established in 1927, the Eminent Farmer/Rancher and Eminent Homemaker awards recognize individuals for their contriIt’s an American thing. A very private American moment.
butions of leadership and service to the community on the local, state and national level.
Each year SDSU selects four individuals to honor based on confidential nominations from across the state. The nominations are reviewed by a committee of SDSU faculty members, administrators and SDSU Extension personnel and are approved
by the Deans of the Colleges of Agriculture and Biological Sciences and Education and Human Sciences.
The honorees photos join the more than 300 portraits of Eminent Farmers/Ranchers and Homemakers which are displayed
in the “Hall of Fame” portrait gallery located in Berg Agricultural Hall on the campus of South Dakota State University.
Eminent Banquet Held Sept. 18, 2015
The 2015 honorees will be recognized during a banquet held September 18 at 5:30 p.m. at the McCrory Gardens Education
and Visitor Center, Brookings.
Tickets are $25 and are available from the Office of the SDSU Extension Associate Director, Berg Agricultural Hall 154, SDSU
Brookings, S.D., 57007 or by calling, 605.688.4792. ?iGrow
RAMSEY
2015 Eminent Farmers/
Ranchers & Homemakers
FAX US
YOUR AD
& SEE THE
RESULTS!
Let Our Family
Business keep yours
in the go with:
Limited Supply
Comfortable Shoes,
Comfortable Price
Boston Shoes to Boots
312 W. 3rd, Yankton • 665-9092
• Farm Filters • Hydraulic Hoses • Bearings & Seals
Cox Auto
Use your FAX machine to send
us your Classified ad.
Remember to include your name & ad. Prepayment
is required when placing classified. We accept Visa
or Mastercard.
Classified FAX number:
605-665-0288
1007 Broadway Ave. • Yankton • 665-4494
Find BIG Savings...
When You Place Your Ad In The Classifieds!
319 Walnut • Yankton, SD 57078 • Phone: 605-665-5884
Hartington Tree LLC
TREE TRIMMING, REMOVALS & TRANSPLANTING
TREES FOR SALE
EVERGREEN • SHADE • ORNAMENTAL
Schuurmans Farm Supply
HAY TARP SALE!
Pre-Owned
For Big Squares,
14’x54’, 25’x54’, 33’x54’
2014 JD Z930R
29 H.P. Kawasaki
54” 7 Iron Deck, 50 hrs.
$7,900
THIS WEEKS SPECIAL!
UTV Field Boss
Your UTV Sprayer
has arrived!
W/ 20’ Boom
or Boomless Nozzle
$2,550
All Tie Downs
Included
We Have All the
Equipment to
Keep Your Lawn
Beautiful!
Yankton 605-260-1490
Hartington 402-254-6710
Serving Southeast SD & Northeast NE for 20 Years
Kent & Kyle Hochstein • Licensed Arborists
www.hartingtontree.com
You Are Invited...
Yankton Baptist Church
This is your invitation to attend Worship: Sunday
morning at 10:45 am or Wednesday evening at
7pm. Our Worship Center is located at 607 E. 15th,
Yankton, SD. See you there!!
Phone: 605-665-7587
Text: 434-665-2467
www.yanktonbaptistchurch.com
®
5 miles West of Tyndall on Hwy. 50 Corner of Hwys. 50 and 37
www.schuurmansfarmsupply.com
Ph. (605) 589-3909 or Cell (605) 464-1113
®
Liberate
your
Weekend!
Proudly Made in the USA!
Designed, fabricated and assembled by skilled professionals,
Scag mowers have been proudly made in the USA since
1983. While many other companies buy many of their parts
from outside sources and simply assemble their machines,
Scag builds virtually all of the structural components of its
mowers, in-house, to ensure the highest quality.
Thank You
Girard Auction & Land Brokers, Inc.
would like to send a special THANK YOU to everyone that took part in our
17th Annual Classic Car Auction this past June!
Thanks to all the Sellers, Buyers & Bidders, Auctioneers, Clerks, Drivers, Vendors &
Anyone else who helped out! We know there were other “car events” taking place
the same day; and we appreciate your business and loyalty to our big event!
This year’s auction saw a total of nearly $1.3 million in sales over the 2 days and
2,500+ people in attendance; making it one of the largest car auctions to date!
605-267-2421
GirardAuction.com
866-531-6186
GirardBid.com
Call or stop
Call or stop byby today to see for yourself!
today to see for yourself!
Schuurmans
Farm Supply
The all-new LIBERTY Z is the first Scag lawn mower designed
specifically for the needs of our residential customers. With
many of the same heavy-duty features you’ll find on our other
models, the Scag Liberty Z will help you cut your mowing time
in half compared to an ordinary lawn tractor.
www.Scag.com
Specifications subject to change without notice or obligation. Actual product may differ from that in photo.
Stop by today to learn more!
5 Miles West of Tyndall on Hwy. 50
Corner of Hwys. 50 and 37
Ph. (605) 589-3909 or Cell (605) 464-1113
www.schuurmansfarmsupply.com
www.SCAG.com