November 18, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Let A Little Life Happen First pay cash or do a 15-year, fixed-rate mortgage. And if you take out a mortgage, make sure the monthly payments are no more than 25 percent of your takehome pay. BY DAVE RAMSEY Dear Dave, Windy looked out the window. A great day for helping. Windy Wilson sets one day aside each week for helping others, you see, and this was helping day. Mrs. Morris, he thought, checking on the calendar. Yes, Mrs. Morris’s poor ol’ shed that’s leaning dangerously to one side. “I can just whup over there today and see that gets fixated,” Windy said, smiling. “By dark, she’ll have a perp-up-anddicular shed she can be proud of.” Windy talks like that. A lot. Armed with enough tools to recreate the city of Troy, Windy arrived at Mrs. Morris’s house and set to work. He rigged a come-along to a tree and used it to straighten the shed. Then, 1315 while he had it straight up, he attacked it with bracing. Mrs. Morris brought him coffee a couple of times, and later had him in for lunch. Mr. Morris had passed away several years ago, and some of these bigger chores were beyond her abilities. Windy hadn’t asked Mrs. Morris about fixing the shed, because that’s part of the fun for him. You just show up and do it. Do it until it’s done. Do it right. Fortunately, Windy has always been pretty handy with tools. By three o’clock, that shed was up and braced, and several loose boards had been nailed back in their homes again. He brought the can of paint out of his truck and started painting it the same light Drivers 1020 Drivers 1315 $1000 sign on bonus! Truck Drivers and owner-operators: Come work for an established hopper company with newer equipment and lots of great paying loads. Home every other week-end guaranteed. Sonlite Express Laurel, Nebraska (402)369-2324 CDL Drivers needed to haul livestock, home on weekends. 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Should I pay cash and buy it outright, or is a 15year mortgage okay? —Dave Dear Dave, We’ve got our starter emergency fund in place, and we’ve paid off the last of our debt. Currently, we rent an apartment but my wife really wants us to buy a house now. She also wants us to use a 30-year, 100 percent financing plan, and says this wouldn’t cost any more than we’re paying in rent. I disagree with her idea, and she’s upset with me. How can I make her see this is a bad plan? RAMSEY —Sam Dear Sam, I love the idea of paying cash for a house, but I’m even more impressed that you’ve got so much you could put toward a house and a job making $30,000 a year at age 19. Man, you’re really kicking it! But the thing that keeps sticking in my mind is that you’re still just 19-years-old. Now, there’s nothing wrong with being 19, but there’s also nothing wrong with waiting a few years and getting a little more life experience under your belt before you take on a mortgage. At times like this, I think about what I’d tell my own son at your age. And honestly, I think I’d advise him to wait and let life happen for a while. You’ve done some amazing things, but I think the best thing would be to keep piling up cash. Then, take a look and see how you feel and what your life is like in four or five years. You’ve got lots of time and a huge head start already. When the time is right, either 1200 Not So Fast Dave six months of expenses in place, plus a 20 percent down payment saved up for a house. The idea that you save money because your house payment is the same, or even a little less than your rent, is a myth. It costs more to own a home, period. As a homeowner, you’re exposed to all kinds of things you never have to worry about as a renter. We all have times when we get excited by something we want and do things we shouldn’t. I’ve done it, and I’ll bet you have, too. But in situations like this, you’ve got to sit down and talk things out. I’m not sure how to get your wife to realize this or act more mature, but I do know that people who charge into things of this magnitude without thinking are the very ones who end up in my office for financial counseling or filing bankruptcy! —Alan Dear Alan, —Dave I think she probably knows deep down this isn’t a good plan. She’s found something she really likes, and she’s mad because you’re not going along with the idea. It’s called “house fever.” When you buy a home with nothing down and little to no money in the bank, you’re inviting Murphy and his cousins - Broke, Desperate and Stupid - to move in with you. In other words, you’ll find yourselves in a mess because you didn’t have the maturity and wisdom to wait until you had your fully funded emergency fund of three to ——— 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. Cars 1200 Cars 1200 Cars Buying junk cars, pickups, vans, running or not. Instant quote & free pickup. McLean Auto Salvage. (402)360-0756 CASH FOR CARS: Any Make, Model or Year. We Pay MORE! Running or Not Sell your Car or Truck TODAY Free Towing! Instant Offer: 1-888-420-3805 (MCN) GET CASH TODAY for any car/truck. I will buy your car today. Any Condition. Call 1-800-864-5796 or www.carbuyguy.com CARS/TRUCKS WANTED! Top $$$$$ PAID! Running or Not, All Years, Makes, Models. Free Towing! We're Local! 7 Days/Week. Call Toll Free: 1-888-416-2330 nani DONATE YOUR CAR, TRUCK OR BOAT TO HERITAGE FOR THE BLIND. 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Directed by Linda Haar Choreographed by Dorota Dannenbring Friday, November 28, 7:30 p.m. Saturday, November 29, 2:00 p.m. & 7:30 p.m. Sunday, November 30, 2 p.m. Yankton High School Theatre r 1801 Summit Street, Yankton, SD Tickets on sale at the Ya e ankton Mall by the JCPenney entrance 4400 W. 31st St., Yankton, SD 57078 Tickets also available a Monday - Friday 6:30 - 8:30 Saturday & Sunday 1:00-4:30 Tyn d a llFire Depa rtm en t B IN G O N IG H T N o vem ber 22,7:00PM Tyn d a llAu d ito ru m $20 perti et ( m i 2) ck Ad ts Food S er Folow i g Bi g o ved l n n (through We ednesday, November 26th) yN WINTER FARM MACHINERY CONSIGNMENT Friday, November 28 10:00 a.m. -2:00 p.m. y 10: Adult Tickets $12.00 Child (12th grade & under) Tickets $10.00 ***All Seats Reserved*** Ti ickets will also be available at the door one hour prior to each performance USD Theatre presents Holiday Craft Show November 21-23 • Over 30 Vendors! Shop now for holiday gifts! • Book Signing • Cookie Decorating Register for $300 Holiday Drawing Friday, December 5th Winner will receive $300 in Yankton Mall Gift Cards At the Girard Auction Facilities in Wakonda, SD Consignments include: PLEASE NO SMALL ITEMS! mike@girardauction.com WAYNE S. KNUTSON THEAT WAYNE S. KNUTS SON THEATRE ATRE WARREN M. LEE CENTER FOR THE FINE ARTS WARREN M. ARTS Nov. 21, 22, & Dec. 3 – 6 at 7:30 p.m. and Nov. 23 & Dec. 7 at 2 p.m. Nov. Dec. at p.m. Nov. Dec. at p.m. Friday, Nov. 21st GIRARD AUCTION & LAND BROKERS, INC. (605) 267-2421 Toll Free: 1-866-531-6186 Marv Girard, BA 12399; Ken Girard, CAI, AARE Broker 10183; Mike Girard, CAI, BA 13549; Mike Manning, BA 11605 www.GirardAuction.com Volin Fire & Rescue Feather Party! Advertising Deadline is Tuesday, November 18th 4:30PM • Volin Town Hall This event is partially sponsored by a generous donation from the First Bank & Trust and the USD Student Government This event partially sponsored by generous donation from First Bank Trust Student Government Association. If you are a person with a disability and need a special accommodation to fully participate,, please Association. you are disability accommodation to participate contact Disability Services at 605-677-6389 48 hours before the event.. contact Disability Services at before event “Reconciliation at Coventry Cathedral” © Ben Sutherland, used under CC/saturated and blurred from the original “Reconciliation at Coventry Cathedral” Ben Sutherland, CC/saturated blurred from Z?????3???????3?Ž?3??????3?????????3??Ž?3???3sŽ???3&??????3Ž?3 3 ???3 ?????3 Ž?3 ???3 ??????3 ^??????3 ??????3 ???????3 ????????3 3 3 Ž???3???3???????????3????3???3?????????? ? 3&Ž?3DŽ??3/??Ž3???3???????????? 3