January 6, 2015 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Don’t Drop the Coverage! “I can’t stand winter,” said Herb Collins, who had dropped in at the Mule Barn’s philosophy counter for a quick cup. “There’s nothing to do.” “Get out and enjoy it,” suggested Doc. “Go skiing. Go ice fishing. Build a snowman. Do something. Then you’ll feel better.” “I don’t think your advice will take,” said Dud. “Herb seems to be intransigent on this one.” We all looked at Dud. “You see, he said he couldn’t stand winter,” Dud continued, “which shows he has a proclivity for intransigence on that particular subject.” We looked at him some more. “If he were to take up a winter hobby,” he continued, “he could stop being intransigent and enjoy things more.” 1000 Even Herb was staring at him now. “I usually,” said Herb, “enjoy a proclivity in that direction, but winter is pretty boring, so maybe I really should be intransigent on this point.” “Well Herb,” said Dud, “even though you might have a proclivity this season for being intransigent on your attitude about winter, you could kinda ease up and consider a hobby. That way you’d be showing a proclivity for transigence.” “Transigence?” said Doc. “I thought those were people who lived under bridges. You might want to look that one up, Dud.” Dud blushed as we laughed. “Say Dud?” said Steve, the cowboy. “Wasn’t proclivity last month’s word?” “Yes,” said Dud, “and I believe I’ve used it a couple Auctions - Public 1200 Sales ED NELSON HAY Live And Internet Auction. 3500 Bales Of Hay. Tuesday January 13th, 2015 11AM. Go To www.jeffersoncountyrealty.com For Links to Online Bidding And More info. Or Call Jeff 641-919-0299 or Ted 641-233-7420 (MCN) 1200 Cars *CASH TODAY* We'll Buy Any Car (Any Condition) + Free Same-Day Pick-up. Best Cash Offer Guaranteed! Call for FREE Quote: 877-629-9182 (MCN) *CASH TODAY* We'll Buy Any Car (Any Condition) + Free Same-Day Pick-up. Best Cash Offer Guaranteed! Call for FREE Quote: 888-654-4994 (MCN) *CASH TODAY* We'll Buy Any Car (Any Condition) + Free Same-Day Pick-up. Best Cash Offer Guaranteed! Call for FREE Quote: 888-339-5747 (MCN) Buying junk cars, pickups, vans, running or not. Instant quote & free pickup. McLean Auto Salvage. 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But I wouldn’t take a chance on having to write a check for another car on top of medical RAMSEY Cars 1200 Buying all types of SCRAP IRON trucktrailerinc.com Dear Dave, My husband of dozen times already.” and I are debt-free “And now this month’s except for our word is intransigence, home, and we right?” have about Dud nodded. $100,000 in sav“Well then,” said Doc, “it ings. Recently, looks like you are going to one of our daughhave a proclivity for saying ters was diagintransigence this month. nosed with That’s a veritable plethora of Crohn’s disease. proclivity my friend.” We’re worried Dave Dud pulled out a pencil about this, and and grabbed a napkin. the fact that she “How do you spell it, and her sister are Doc?” both teenage driv“Spell what?” ers. Do you think we should “Plethora.” drop full coverage, and have We just groaned. just liability, since we’ll Sometimes education can be probably have lots of medugly. ical bills over the next few years? -------Kim Scrap Iron Wanted Old Cars, Trucks, Buses, Farm Machinery, Grain bin removal. Roll off dumpsters available. Paying top dollar. Will pick up. Gubbels Salvage (402)640-6335 Coleridge, NE Dear Kim, I’m really sorry to hear about your daughter’s medical situation. But speaking from a financial perspective, you guys are in pretty good shape to handle things. You have a pile of cash in savings, I assume you have some kind of medical insurance and you’re debt-free. Under the circumstances, I get where you’re coming from and the idea of having even more money available to put toward medical issues. In your case, however, there’s no way I’m going to have only liability coverage when there are two teenage drivers in the house. There’s a reason insurance rates are so high for teens. 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My new husband and I are using your plan to improve out finances, but we can’t agree on how to handle these payments. I’ve been keeping it in a separate account. He thinks we should combine it with the rest of our house money and budget. What do you think is best? Leslie If you or a loved one suffered a stroke, heart attack or died after using testosterone supplements, you may be entitled to monetary damages. Call 866-368-0546 (MCN) d d an han TV’s, On ck A to s, In S wplow d l o sn , co hes gear c win her t wea www.yanktonmotorsports.com torsports.com * Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership and Smart Money Smart Kids. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Dear Leslie, I don’t blame you for being protective of the child support money. I’m sure the feelings you have stem from a desire to protect your kids. But if your new husband is a good guy, one who’s kind, loving and willing to treat these kids like they’re his Computer - 1505 Internet Baylor Computer Services very own, then my opinion is the money should go into the pile where it helps take care of the kids and family. Your job as a parent is to be a blessing to your kids. That means feeding them, clothing them, educating them and giving them a good home. As long as these things are happening, and we’re talking about a functional, loving marriage, then all the money should be combined and be part of the family. Put it right at the top of your monthly budget, along with all your other household income. Money is important, and I’d expect you to make sure your kids and your cash are treated properly. But I’m talking about two responsible people being involved in a happy marriage, too. 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