October 14, 2014 • Page 2 shop online at www.missourivalleyshopper.com FAX US YOUR AD & SEE THE RESULTS! Use your FAX machine to send us your Classified ad. Remember to include your name & ad. Prepayment is required when placing classified. We accept Visa or Mastercard. Classified FAX number: 605-665-0288 319 Walnut • Yankton, SD 57078 • Phone: 605-665-5884 5 O’’Cllock Somewhere O’C ock Somewher O’Cl ck Somewhere O’Clock Some here Clo h re Casino & Bar Sportsman’s Sportsman Special Bottled Beer While Playing HAPPY HOUR HAPPY HOU R $ 1 thru Mon. thru Sat., 4pm - 6pm Truly for the Players... 1522 Broadw Ya kton 1522 Bro dway • Yankton • Open @ 9 a.m. 52 Broa wa ankton 522 Broadw 522 Broadway ankton kton ton a.m a a.m AUCTION Sunday, October 19, 2014 at 12:30 pm National Guard Armory • 603 Princeton • Vermillion, SD For full listing go to Dakotarealty.com Madsen AuctionBye and Jim Brady Service Gary Madsen 605-638-0643 Hazen When you ?nish reading, Please RECYCLE. ELVIS LIVES! Tribute Artist from Branson, MO Featuring Joseph Hall, from Lincoln, NE as “Elvis”. 6th place contestant in 2008 on America’s Got Talent, awarded Male Entertainer Of The Year in Branson, MO 2014 The Club didn’t last long. It wasn’t the dues, which were nothing. It wasn’t being worried about being elected recording secretary or something if you missed a meeting. There were no officers, no directors and no meetings. It was born of an idea that occurred to Doc one day. He said the members of the Mule Barn truck stop’s philosophy counter and world dilemma think tank should organize. After his third cup, Doc turned to the others and said sitting there having coffee day after day without any real purpose just didn’t seem right. Doc said, “There are so many things a real organization can do.” “What would those things be, Doc?” Steve asked. “Giving shoes to orphans,” Doc said. “Or curing hunger in third world countries. Or we could watch TV and file complaints.” Then Dud piped up. “Would we have to wear funny hats and have a secret handshake and a password?” “Absolutely,” Doc said. “Otherwise, how would you know who was one of your brother club members and who wasn’t?” Mavis said, “What’s your secret password? Regular or Where Does This Money Go? Dear Dave, If you have a mortgage that will be paid off in the next two or three years, should you pay extra toward the house or invest that money over and above the 15 percent you recommend putting toward retirement? —Walt Dear Walt, I would pay extra on the house. You know, a magical thing happens when you pay down a house and sell it somewhere down the road. The money comes back. You didn't lose it. Honestly, you're not doing a bad thing by putting it into retirement either. But you don't know exactly what will happen over the next several years of your life or the life of your investments. You might think you know. You might even have a plan. But the truth is even the best plans don't always work out the way we want. And if that happens, it sure would be neat to own your home outright! Dave RAMSEY —Dave REHABBING TO SELL Dear Dave, My husband and I recently inherited my parents' home. It's in a small, rural town with little industry, and Let Our Family Business keep yours in the go with: • Farm Filters • Hydraulic Hoses • Bearings & Seals Cox Auto 1007 Broadway Ave. • Yankton • 665-4494 OCTOBER 1-31, 2014 SALE OCT CTO TOBER 1- 1 1-31, -31 SA 10% off all pink items in the store 15% off if you bring in a completed Bow Valley Dance Hall, Bow Valley, NE Sunday, October 19 11 a.m. to 3 p.m. Lesterville Community Hall we've been told that the place would be worth $85,000 if it's cleaned up, compared to $75,000 as-is. Should we spend about $10,000 to really clean it up, replace a few things and make it presentable to sell it faster? —Terri Dear Terri, It's really up to you guys, because both options whether you're sitting on the house or rehabbing it - are going to take time and emotional energy. From a real estate person's perspective, houses always sell better when they're shined up and looking nice. When a prospective buyer walks in and sees and smells new carpet and fresh paint, they don't have strain their imaginations looking past everything. When you force potential buyers to look past things, it usually ends up costing you money. In most cases, if you spend $10,000 you gain more than what you put into the house. Honestly, I think one of the numbers you've given me is wrong - either the $85,000, the $75,000 or the $10,000 you think it will take to fix up the place. In other words, if you spend $10,000 on a project like this, you'll usually gain $20,000 when you're talking about stuff like a thorough cleaning, new carpet and flooring, fresh paint and basics like that. My guess is if the place is worth $85,000 fixed up it'll probably bring about $65,000 as-is. If it's me, I'm going to clean the place and fix it up. I've done hundreds, if not thousands, of these kinds of deals, and I can't stand to try and sell something that's dumpy, grungy and out of shape. —Dave ——— *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. chemo cap. Chemo caps will be donated to a local cancer center. Saturday, October 18 • 7:30PM SOUP KITCHEN “I don’t think so,” said Doc. “We gotta come up with a third world country and then find out who’s in charge of feeding kids. Then we can send them something.” “I move we adjourn this meeting,” said Steve. “There are no meetings,” said Doc. Since no one could name a third world country without a map or listening to National Public Radio, The Club died a quiet death. --------Brought to you by “Saddle Up: A Cowboy Guide to Writing,” at lpdpress.com. Dave Says Our Local Talent, The Outback Band Will Be Opening and Playing For Elvis Tickets $20 in advance or $25 at the door Charge by phone 402-667-6557 decaf?” “I don’t think we should let women join,” said Bert. Nobody nodded until after Mavis had topped off the cups, and had gone into the bowels of the kitchen. “Okay,” Steve said. “Let’s get this straight. No meetings. No name for The Club, right? No officers. No dues to pay. All we have to do is give our shoes to some orphans, right?” “And feed kids in third world countries.” “I don’t know any kids in third world countries. Could we feed one or two around here, just to kinda e-e-e-ease into it?” C h e c k our website f o r available classes! Check o u r w e b s i t e for a v a i l a b l e c l a s s e s ! 1 1 0 1 B r o a d w a y, S u i t e 1 0 4 • M o r g a n S q u a r e 6 0 5 - 6 8 9 - 3 9 9 9 • w w w. e w e k n i t i t . c o m D????3?Ž?3??Ž????3??Ž??3???3????3?3 3 3 ?????3 ?Ž?3 ???3 ?Ž?????3 ?Ž???3 Ž?3 ? 3????3 ?Ž?3 ??3 ?????Ž?3 Ž?3 ??????3 ????3 ? ???3 ????????3 &??????3 ???3 ???3 Ž??3 ????3 3 ? 3 ?????3?????3??Ž?3?Ž3???3d??3????Ž??3?Ž?3??3 ???????3???3Ž????????????3