March 10, 2015 • Page www.missourivalleyshopper.com 3 shop online at www.missourivalleyshopper.com Serious About Getting Out Of Debt? Dear Dave, Should you budget for mad money,or just carrying around cash, when you’re trying to get out of debt? — Aurora Now, I’m getting solicitations from the funeral home, wanting me to prepay my own funeral. I’m 45-yearsold. Is this a good idea? — Dave Dear Aurora, What really matters is the amount of mad money you allow yourself to have. Everyone needs a little pocket money. It’s probably not going to throw you off too much if you put $10 or $20 in there. But $100 or $200? That’s a bit much when you’re scrimping, saving and supposedly working hard to get out of debt. Think of it as a safety Dear Dave, God bless you and your family. I’m so sorry you have to go through this, but I’m glad to hear you were in good enough shape financially to handle the burden. That means you were both very wise with your money. My advice is to pre-plan, but don’t prepay. As you discovered, having to make important decisions in the midst of that kind of grief is a hard thing to do. Sometimes, people are so emotional during times like these that they make bad decisions. So, pre-planning and making selections ahead of time is a great idea. But it’s never a good idea to prepay for this kind of thing, and here’s why. If you live to an average age, for what you’d prepay today at age 45, you could invest the amount, be selfinsured for that kind of thing, and in all likelihood have a ton of money sitting there when your time comes. Events like this make you realize the need for proper planning, but don’t ever prepay them. Lots of people in the funeral industry don’t like me for this stance, but that’s just because they make lots of money on prepayment plans. — Dave www.missourivalleyshopper.com www.missourivalleyshopper.com valve, Aurora. Everyone needs a break and a little fun now and then. Whether it’s grabbing lunch out, or going to a movie once in a while, you need to relax and let off little steam. Just make it part of your regular monthly budget, and stick to the amount. Little things like this will help keep your total money makeover moving in the right direction without wearing you out! — Dave Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books, including Smart Money Smart Kids. The Dave Ramsey Show is heard by more than 8.5 million listeners each week on more than 550 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. www.missourivalleyshopper.com IT’S A BETTER IDEA TO PRE-PLAN Dear Dave, My wife passed away last year, and she was just 43-years old. I paid cash for the funeral and all the arrangements. www.missourivalleyshopper.com www.missourivalleyshopper.com MV Shopper M I S S O U R I VA L L E Y CLASSIFIEDS IN PRINT and ONLINE If Regular Meeting Mission Hill Township (N) you read this you know... advertising pays! Call the Missouri Valley Shopper at 665-5884 or stop by to place your ad today! 319 Walnut St. • Yankton As per South Dakota Codified Law 8-5-1 The Board of Supervisors of Mission Hill Township (N) has set the dates of this year’s three Regular Meetings on March 24th, 2015, October 27th, 2015 and February 23rd, 2016 at Vangen Lutheran Church, Mission Hill, South Dakota at 7:00 p.m. Anyone wishing to add items to the agenda of any of these meetings may do so in writing to the Township Clerk no later than 5:00 p.m. on the Friday before the above-mentioned Meeting Dates. George Wathier 30480 NE Jim River Road Mission Hill, SD 57046 Mission Hill Township (N) Clerk MV Shopper MV Shopper GLASS RON’S AUTO M I S S O U R I VA L L E Y M I S S O U R I VA L L E Y To place your ad call... 605.665.5884 •ALL GLASS • COMMERCIAL • HOME • CUSTOM SHOWERS • AUTOMOTIVE or drop by at 319 Walnut St. 605-665-9841 1915 Broadway Street • Yankton, SD www.missourivalleyshopper.com Liquor Specials 109 W. 3rd St. in Downtown Yankton www.yanktonrexall.com Miller Highlife & Light Black Velvet 1.75 L 30pks 15.99 14.99 $ $ Old Crow Burnetts Vodka 1.75 L 1.75 L 15.99 12.99 $ $ Change What You Eat - Change How You Feel Prices Good March 10 - March 23 FREE Customer Parking 605-665-7865 Hours Monday-Friday 8:30-6:00 Saturday 9:00-4:30 on Any Frozen Item In HeAltH mArket 2¢ except meAt products: cHIcken HAmburger, bAcon, steAk, turkey Price Effective March 10th - 16th Simply Natural Somersaults Sea salt, santa fe salsa, or dutch cocoa Frito Lay Chips $25 = 15 WORDS 1 PHOTO 1 NEWSPAPERS 1 SHOPPERS SPEEDY SALE! 6 2/$ 8 2/$ Bob’s Red Mill Zevia Steel Cut Oats Cola Sweetened with Stevia 3 $ Buying or Selling a Car? Get EXTRA exposure and a Speedy Sale! Great school car! 2003 PT Cruiser, silver, 91,000 miles, good gas mileage. $4,200 call (555)555-5555 Get Extra offer good through April 30, 2015. Subject to change without notice. Your 15 word, 1 photo classified ad will run for 6 days in the Press & Dakotan, and once in the Missouri Valley Shopper for only $25! Y A N K T O N D A I LY 319 Walnut 605-665-7811 yankton.net 6 pack 2 $ Personal Nutrition Counseling 99 24 oz. pkg. Come to Hy-Vee for individual nutrition counseling when you need a special diet or your physician recommends you make diet changes. PRESS&DAKOTAN PRESS&DAKOTAN Y A N K T O N D A I LY 99 Kenny Tomek Hy-Vee Dietitian • Weight Loss • Heart Disease • Diabetes • Gluten-free and other food intolerances • Other Nutrition concerns Charity Schantz Hy-Vee Health Market Manager