shop online at www.missourivalleyshopper.com February 17, 2015 • Page 3 Dave Says: Where’s The Safety Factor Dear Dave, I’m retired, and currently I have about five percent of my retirement savings in gold and silver I’ve been acquiring over the last few years. I’ve seen gold prices decline significantly, and I’m wondering if I should hang on to it as a safety factor in the event the economy goes bad in a hurry. I want to make sure I’ll still have a safety factor, and something of value, if that happens. Steve Dear Steve, What’s the safety factor here? And if everything goes downhill, why does it have value? Gold has this weird allure and mythology around it that says, “I’ve still got something that people will take when the economy crashes.” But the truth is there hasn’t been an instance when people used gold as a medium of exchange in a crashed or failed economy since the Roman Empire. People still use gold because they believe in it. We also believe in green paper with presidents’ faces 1555 on it. So, gold really has no more intrinsic value than that green paper. The only reason we place value on it is because we, the society, place value on it. A failed society might not place value on it anymore. In a completely failed economy, the first step is usually a takeover by a Fascist government. After that, you get a new color of money – of paper – with a new leader’s face on it. Then, the old stuff isn’t worth anything. It’s very seldom you ever see gold come to the rescue. I don’t believe in investing in gold for that reason. Plus, the track record on gold, as far as a rate of return, is horrible over the long haul. There was a time a few years ago when everyone went crazy on it, but Dogs - Puppies 1605 Lincoln Arms, 600 West 6th. Deluxe 1-bedroom for seniors, heat, water furnished. $475/month. 605-668-2203 or 605-751-9095. 1565 Other Pets ADOPTIVE HOMES NEEDED for several kittens, dogs & puppies. See Heartland Humane Society at ______ On the road again? Dear Dave, We’ve got our emergency fund in place, and we’re debt-free except for our home. We’d like to have a child soon, but my job requires frequent travel. I don’t want to be away most of the time when there’s a baby in the house, so I’m thinking about opening my own business. That way, I can set my own hours. What do you think of this idea? Ray Dear Ray, Ask yourself this question: If time and money Apartment For Rent 1605 Deluxe 2-bedroom apartments with free Internet, water/garbage. Up and downstairs available. Beautiful Area. 605661-3999. Wanted: A new home for Missie: Missie is a 2 month old pup that came to our shelter with her two brothers. Missie loves to play, and loves to be held. She will likely be a large dog when full grown. If you want to meet Missie give Heartland Humane Society a call at 605-664-4244. Ad sponsored by Sally & Terry. Lewis & Clark Realty, Inc. other than that? Ugh! —Dave weren’t considerations, which one would you rather do? You’d be on straight commission as an entrepreneur, so there would be no regular checks to count on as income. You’d have to wake up every single morning, go out and kill something and drag it home. If you don’t, your family won’t eat. An entrepreneur is the only person I know who can go from sheer terror to sheer exhilaration and back every single day. You’ve got to have a strong mind and heart to make things happen, and it will be a rough ride if you don’t have both. Plus, it won’t last long if you don’t absolutely love what you’re doing. Everybody wants to be successful in their job and make lots of money, but personal happiness is just as important. If you wake up jazzed about what you’re going to do every day, chances are you’ll be successful and happy. But if you wake up dreading the day and your job, then I can almost guarantee you won’t be successful financially or Apartment For Rent 1605 NICE, QUIET 1&2 bedroom apartments in Gayville SD, just minutes from Yankton and surrounding areas. We pay for heat, coin laundry on site, 24hr maintenance, 605-624-8001. Pinetree Apartments. Call Classifieds 665-5884 MOODY Apartment For Rent One and Two Bedroom Apartments for elderly or persons with disabilities at River Court Apartment, 24 E. Duke, Vermillion. HDC accessible. Must qualify by income. Rent base on income. This institution is an equal opportunity provider and employer. Contact (605) 202-0008 or Skogen Company (605)263-3941. Patrick Hawk 251 Spruce Ave • Box 260 Niobrara, NE 68760 Read & Recycle! www.moodymotor.com pjhawk@hotmail.com (402) 857-3711 (800) 745-5650 Fax (402) 857-3713 1-bedroom, Meadow Park, 909 Memory Lane. For elderly or persons with disabilities. Ground level, rent based on income. Close to Senior Center. 605-665-6135 or Skogen Company 605-263-3941. 1 & 2 Bedroom Orchard Square, 418 W. 15th, for elderly or persons with disabilities. Rent based on income and includes utilities. Equal Housing Opportunity. 605-665-6135 or Skogen Company 605-2633941. 1, 2 bedrooms in Yankton. Diversified Property Management. Rental assistance available. Rent based on income. Equal Opportunity Housing. 1888-368-3330. 2-bedroom duplex in Gayville. Some utilities included. Laundry facilities, off-street parking. No pets/smoking, lease, deposit and refrences required. Larry's Rentals 605664-9014 or 605-661-0987 after 5pm. 3-Bedroom Townhouse. Must qualify by family size and income. Rent based on income. EHO 605-661-8901 or Skogen Company 605-2633941. 5-bedroom, 2-bathroom apartment. Heat, A/C, no indoor pets/smoking. Available immediately. 402-404-0175. 2-bedroom Apts. Between the 50's, 8th and Dakota. Rent $545 to $590. Equal Housing Opportunity. 605-661-8901 or Skogen Company 605-2633941. Canyon Ridge 1700 Locust 1-bedroom for elderly or persons with disabilities. Rent based on income. Equal Housing Opportunity. 605-664-8886 or Skogen Company 605-263-3941. Cedar Street Apartments 2bedroom, nice, clean, quiet. Stove/refrigerator, water, sewer, garbage, heat included. Washer/dryer on site, $575/month. (605)660-2740 or (605)661-7035 (605)660-2147; (605)260-1066. Locally Owned & Operated 1915 Broadway, Yankton, SD (Next to Dairy Queen) For Your Home! 605-665-9841 Quality Notions & Yarns Yarns • Books •Needles •Hooks Next Beginner’s Knitting Class Monday, February 23 at 6:00PM Reserve your spot today! 1101 Broadway, Suite 104 Morgen Square 605-689-3999 www.eweknitit.com Open: Monday-Friday 10am-6pm • Saturday 10am-5pm Psst... While the boss is away... We’re having a SALE February 11th to 21st Specials on In Stock Spas Hurry Before He Gets Back LEISURE WORLD, INC. Spas • Swimming Pools • Saunas 1900 Broadway Ave, Yankton, SD • 605-665-1240 2500 S. 13th St., Norfolk, NE • 402-371-8425 w w w. l e i s u rewo rl d s d. co m 109 W. 3rd St. in Downtown Yankton www.yanktonrexall.com or call (605)664-4244. Apartment For Rent RON’S AUTO GLASS Liquor Specials www.heartlandhumanesociety.net 1605 ideas still waiting to be had, but to make something good happen you’ve got to find the one that’s right for you! 1610 Condos - Townhomes New Affordable Housing! 1303 W. 19th St. 3-bedroom, 2-1/2 bath townhome with 2-car garage. Move in ready with appliances and window coverings. Carefree living with HOA. $182,500. Call 605661-2191. MOTOR NIOBRARA, NE happy. Do lots of research and planning before you make any big changes, Ray. There are great small business Mark’s Machinery, Inc. Busch & Busch Light30pks Your Family Owned & Family Operated Since 1972 $ Two Locations To Serve You: 3211 E. Hwy 50 Yankton, SD 605-665-4540 Toll Free: 1-800-526-8095 745 E. Hwy 46 Wagner, SD 605-384-3681 Toll Free: 1-800-693-1990 Visit us online at www.marksinc.com 16.35 Old Crow 1.75 L 15.99 $ Windsor 1.75 L 14.99 $ McCormicks Vodka 1.75 L 12.99 $ FREE Customer Parking 605-665-7865 Hours Monday-Friday 8:30-6:00 Saturday 9:00-4:30 Price Effective Feb. 17th - Feb 23rd