November 4, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Income Is The Problem To look at Herb Collins, you wouldn’t think he was like that. A nicer, kinder guy you never met. But for one evening each year … one little slice of time … he’s downright diabolical. Every small town has one, of course. There is always that one person who takes Halloween to its extremes of horror and fantasy. We have Herb. Everyone knows about his penchant for decoration. Ever since he retired, his yard and house has celebrated every holiday from Christmas to Grover Cleveland’s wedding anniversary with great festoonation and an increase in the electrical bill from all the lights. But on Halloween, Herb goes plumb nuts. It’s a good thing heart trouble is rare for the age group who go trick or treating, because Herb’s yard is a veritable booby trap of pouncing ghosts, swooping bats that swing out of the trees, loud sound effects as witches pop straight out of the lawn in front of children and cackle, and porch-side demons that shriek and leap just as the kid reaches what he considers the safety of Herb’s front porch. It’s a running of the gauntlet that only the bravest of the brave attempt. Herb says he hasn’t had a four-year-old make it to the front door yet. But for the older kids, this is an annual challenge, and one by one they leave the safety of the sidewalk to do a brokenfield run, often with screaming, until they hit the safety of the doorbell. Once that doorbell rings, they know, it’s all over but the candy. Ah, the candy! As if to make up for all the screaming and terror, Herb gives out dollar candy bars. Some kids have been known to carry them around for several days to INTERESTED IN THIS SPOT? CALL 665-5884 TO PLACE YOUR AD HERE. COUPON $ 6 OFF Family Meal •8 pc Chicken •2 Lg. Sides •4 Biscuits 665-4433 2504 Fox Run Parkway Yankton, SD Sign up for our texting program to receive NO OTHER DISCOUNTS APPLY up-to-the-minute offers! Expires 11/17/14 *Yankton Location Only. show off before eating them. “It gives the little guys something to shoot for,” Herb says, laughing. “And the big guys get a different dose of demons every year so they aren’t sure what to expect.” And Herb? “I just have a lot of fun.” ----------Brought to you by “A Cowboy’s Guide to Growing Up Right” at lpdpress.com. Any questions? Need a cookie? Mug shot? Estate planning? This is us: Slim Randles 7308 Painted Pony Trail NW Albuquerque, NM 87120 USA (505) 306-6009 homecountry8@gmail.com www.slimrandles.com Dear Dave, We had our first child a few months ago, and some of the bills have gone to collections. We’ve paid what we could, but we each make only about $15,000 a year. Now, we’re getting calls and Dave letters from collectors wanting our checking account information and electronic access. When we won’t give it to them, they accuse us of not following the terms and conditions of the agreements. They say we’ll be penalized if we don’t comply. What should we do? — Stephanie RAMSEY Dear Stephanie, You’re doing the right thing by not giving them 1000 Auctions - Public your account information The Sales and electronic access.just stuff they’re saying is collector talk, and they’re ANDERSON full of crap. The next time ESTATE SALE you talk to one of them, just Thursday, November 6 let them know you have Friday, November 7 every intention of paying Saturday, November 8 what’s owed. But the bill is 8am-5pm going to be paid by you. There’s nothing in an agreeThe Pantry ment like that which gives downtown Yankton them the right to your 215 W. 3rd St. account numbers or elecNew items, kitchenwares, tronic access. These people holiday items, antiques, colcan stop lying and act right, lectibles, furniture, books or they can go jump in the and more, so much more!! lake. The biggest issue here is 1020 Food - Beverage your income. If I’m your husband, I’m going to find an Homegrown Chicken Fryers, extra job delivering pizzas a $6.25. Maxwell Colony Call for few nights a week for the appointment to meet in time being. He could make Yankton. (605)660-0997. an additional $1,000 a month for the next 10 months, and 1200 Cars that problem would be *CASH TODAY* We'll Buy Any Car (Any Condition) + Free Same-Day Removal. Best Cash Offer Guaranteed! Call for FREE Quote: 877-629-9182.(MCN) solved. Instead of working 40 to 45 hours a week, try working 60 to 80 for just a little while. Still, you both need to examine your career track for the future. Look into different types of training and education with the attitude of doubling or even tripling your income in the next five years. I want you both to develop longterm plans to increase your income, and a short-term plan to get out from under this debt in a hurry. That’s the kind of thinking that will get rid of collectors faster than anything else. They’re just a symptom of the bigger problem. 1200 —Dave EXTRA SAVINGS TAKES AWAY VOLATILITY Dear Dave, I’m a 26-year-old journalist making $26,000 annually, and the only debt I have is $31,000 in student loans. I’m following your plan, so I also have $1,000 in my starter emergency fund and am working side jobs to make extra money. Since my job field is volatile, I’ve lost and found a couple of jobs in the last few years and have an older car. Should I beef up my emergency fund in case I go through another job loss or I have problems with my vehicle? —Sarah Dear Sarah, In your case, I think you might want to increase your emergency fund to around Cars 1200 Buying junk cars, pickups, vans, running or not. Instant quote & free pickup. McLean Auto Salvage. (402)360-0756 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 2¢ ¢ ON ANY HEALTH MARKET BULK FOODS GET CASH TODAY for any car/truck. I will buy your car today. Any Condition. Call 1-800-864-5796 or www.carbuyguy.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. 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Usually, I’d rather people focus on knocking out debt once they have a beginner emergency fund in place, but it sounds like you’ve got extenuating circumstances in your life. Older cars, especially those with lots of miles, could need attention at any time. And you’re right about your job too. The newspaper world is pretty volatile and even downright insecure at times. This isn’t your fault, but I’m glad you’re looking ahead. Just push the pause button on paying off debt for the moment, and build up your emergency fund a bit more. That will give you a little more wiggle room in case life decides to throw something unexpected at you. Then, go back to paying off debt before you increase your emergency fund to a full three to six months of expenses. Having a little financial stability is a big thing for you right now, Sarah. It will help you feel a little more secure until the debt is gone. And once that happens, you’ll really be able to fly! 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