October 28, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says School Is On The Horizon BY DAVE RAMSEY It was a bright morning, and we had finished off the coffee and conversation at the Mule Barn truck stop, and we couldn’t think of anything much to do because we were still full from breakfast and it was too early for lunch, and the political problems and Hollywood gossip tanks had been thoroughly topped off. So we went over to Doc’s house to look at his mare in the back yard. She had, he said, a quarter crack in a front hoof. So there we were, in a half circle around the little mare, staring at that slight crack as though focusing would bring a welded solution to the problem, but we all knew we just needed to drink Doc’s coffee and change the scene. 1000 Auctions - Public Sales ANDERSON ESTATE SALE Thursday, November 6 Friday, November 7 Saturday, November 8 8am-5pm The Pantry downtown Yankton 215 W. 3rd St. New items, kitchenwares, holiday items, antiques, collectibles, furniture, books and more, so much more!! Please Recycle When Done Reading! “I see you have a block of salt,” Bert said. Doc nodded. Bert said, “Speaking of salt …” We really hadn’t been, but smooth transitions aren’t always easy. “…. puts me in mind of the time I stopped in that little store,” Bert said. “Few years back now, I guess. Well, it was about the last time Milly had pups, because I think I’d left her home to have them. Of course, she waited until I got home ….” Doc and Steve stared at him encouragingly. “And?” “Oh … well, there’s this little store up north … out in the middle of about flat nothing … and it was hot and I was thinking of a nice cold cocola right about then, so I stopped.” Bert looked around. “Dang store was about full of salt.” “Salt?” “Everywhere. This guy had ice cream salt. Bags of it. Salt blocks for horses, sheep, cows, rabbits and even danged guinea pigs. He had regular salt. He had huge bags of bulk salt for putting on the ice. “So I went to pay for my drink and I says to the guy, ‘You must sell a lot of salt.’ And he says to me, ‘No, but that salesman who calls on me sure does.’” Plaine, IA. Next Scheduled Sale: Saturday, November 8, 2014. Tack 10:00 a.m., Horses immediately following. Sale 2nd Saturday of every month. Upcoming Sales: December 13, 2014 (Christmas Tack Special) & January 10, 2015. Check our website for details and sale results: www.westernexchange.com; Info/To Consign: 319-444-2320; email: bpwe@netins.net (MCN) 9:00 A.M. Consign early by Nov. 3, 2014 for complete advertising. No Small Items, Tires or Pallet Items Accepted After Friday, Nov. 7. Gilbert's Sale Yard, LLC, 641-398-2218. 2 Mi. N. of Floyd, IA on Hwy. 218. Tractor House Internet Bidding Available. www.gilbertsaleyard.com (MCN) Dear Dave, My husband will be leaving his full-time job in a year so that he can go back to school full-time and finish his degree. We've both agreed this is what we want to Dave do, but it means that we'll go from a yearly income of $90,000 to $45,000. We'll have tuition assistance from my job and his veteran's stipend to help --------pay for things, plus we're Brought to you by “A Cowboy’s Guide to Growing Up debt-free except for our house. But in this scenario, Right” at lpdpress.com. once we complete Baby Step 3 should we move directly to HORSE SALE: Belle Plaine MACHINERY CONSIGNMENT Baby Step 4 or continue savWestern Exchange, Belle SALE, Mon., Nov. 17, 2014 at ing? Call Classi?eds 665-5884 WANTED Buying all types of SCRAP IRON Farm Machinery • Cars & Trucks References Available • Top Market Prices Paid Home: 402-945-1512 • Cell: 402-533-3640 K&K Iron & Metal MV Shopper M I S S O U R I VA L L E Y 1020 Food - Beverage Homegrown Chicken Fryers, $6.25. Maxwell Colony Call for appointment to meet in Yankton. (605)660-0997. 1200 Cars *CASH TODAY* We'll Buy Any Car (Any Condition) + Free Same-Day Removal. Best Cash Offer Guaranteed! Call for FREE Quote: 888-654-4994 (MCN) 2003 GMC Sierra 1500 SLT, 4WD, extended cab, pl, pw, ps, heated leather seats, running boards, loaded, 150K, pewter metallic, in great shape. Call 402-563-4894. RAMSEY —Erin Dear Erin, I think this is a good plan, as long as the two of you are on the same page and you're willing to save like crazy for the next year and beyond. Even with help from your employer and his stipend you'll still have some expenses, so you'll have to be ready. Once you complete Baby Step 3, which is having three to six months of expenses set aside as an emergency fund, Baby Step 4 is usually starting to invest 15 percent of your income toward retirement. In this case, while he's finishing his degree, you're not investing SELLING A CAR WITH A LIEN Dear Dave, How do you sell a vehicle with a lien amount that's higher than the actual value of the car? — Miranda Dear Miranda, First, you have to find a way to cover the difference between the amount of the lien and what you can get for the car. Let's look at an example. If the car is worth $15,000, and you owe $18,000, that would leave you $3,000 in the hole. How ——— Dave Ramsey is America's trusted voice on money and business. He has authored five New York Times bestselling 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. Read & Recycle! “Your dog’s home away from home!” B c —Dave do you get out of that car? The bank holds the title, and until you give them the payoff amount of $18,000, you're not getting the title. The easiest and simplest way would be if you had $3,000 on hand to make up the difference. But if someone comes along and buys the car from you for $15,000, you've got to be able to cover the remaining $3,000, right? Barring the best-case scenario where you actually have the money, you could go to a local bank or credit union and borrow the remaining $3,000. I hate debt, but being $3,000 in the hole is a lot better than $18,000 in the hole. Then, you could turn around and pay back the $3,000 quickly. After that, you'd give the total amount owed to the bank. They would give you the title, and you sign it over to the new owner. That's how it works! — Dave www.missourivalleyshopper.com SIDE TRY CUIT N COU & BISaycare BEDrdingm~ieD Circl2e) r oa 5 on Pre 3205 iles west 269 .com (2 m 6 -1 -6eb0cuit@gmail 605sid is y ountr for retirement directly but you are investing in your husband and your future together. That's a great investment, by the way. As long as he's studying something that has marketplace application, you're setting the stage for him to make back the money put into his degree and much more. If that's the plan, and he's not off pursuing a Ph.D. in something like German polka history, you two are making a great investment. So work hard now, cut all the corners you can and pile up money so you two can get through his time in school! 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