April 19, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Addressing Debt: When To Sell Sentimental Stuff Down at the sale barn Saturday, the think tank had coagulated there with coffees to go to celebrate spring. Doc and Dud had their dogs with them, while Bert and Dewey and Steve went stag. By Dave Ramsey ticket in relation to your income and I hope this helps Dud tried to start a conversation, but the loudspeaker overall financial health? If the ticket a little, William. soon drove them outside, where they arrayed themselves on Dear Dave, is $100 and you make $200,000 a year, There’s nothing dropped tailgates and waited to hear what Dud had in mind. How do you decide whether or not then stop worrying and pay the ticket. wrong with having “I thought about it a lot,” Dud said, “and I wondered what to sell collectible memorabilia when But if you got slapped with a $300 ticket some nice things. you’re getting out of debt? — William and you only make $20,000 a year, then the favorite part of my job was, and wondered if you fellas But there’s a big difDear William, ever gave that any thought, too.” ference between you that could be an emergency. In most cases, there’s a pretty wide If you can cash flow it out of your having things and They nodded. Yes, by mutual consent a worthy subject. spectrum of emotional involvement budget, then leave the emergency fund your things having “With me,” Dud continued, “it wasn’t so much my job as when it comes to this sort of stuff. I you. Never let “stuff” alone. If not, then dip in for just enough my hobby. Writing that book. I’m claiming it as the best part mean, there’s a big difference between to pay the fine and replace the amount of my job, anyway.” stand between you Mark having a baseball signed by Mickey as quickly as possible. I mean, you’ve and your family’s The assembled were still waiting to read “Murder in the Mantle from a day that you and your got to get it paid, right? sense of security dad met Mickey at the stadium, and That’s an interesting question, Ariel. Soggy Bottoms,” as it had yet to see print, and was really a and financial wellwork in progress. buying a baseball a few years ago that I’m glad you’re working to get control being — Dave “Of course I’m retired now,” said Bert, “but when I was he autographed and seeing it has gone of your money. Just remember to slow running the pawn shop, my favorite part of the job happened up in value. down a little when you’re behind the Speeding ticket emergency With the first, I’d be tempted to tell when a customer found something in there he really needed wheel! — Dave Dear Dave, you to keep it unless you’re literally and ended up paying much less for it than he thought he’d Recently, I got a speeding ticket. about to lose everything. In it, you Dave Ramsey is America’s trusted have to.” have a deep, emotional connection — a I’m also following your plan, so I was voice on money and business, and CEO “And you made more on it than you thought you would, personal story about you, your dad and wondering if a speeding ticket is a good of Ramsey Solutions. He has authored too,” said Doc. Bert grinned and nodded. reason to dip into my emergency fund. one of the greatest baseball players of seven best-selling books. The Dave “Yep. That was good too. Dewey?” — Ariel all time. It was a sentimental, once-inRamsey Show is heard by more than 11 “The best part of the fertilizer business,” Dewey said, “is Dear Ariel, a-lifetime kind of thing. In the second million listeners each week on more than seeing the difference it makes in the flower gardens around Well, it depends. Certainly you have case, it’s just a purchase you made as a 550 radio stations and digital outlets. to pay the ticket. In most states you town. Maybe it’s just my imagination, but I kinda like to take a hobby. That kind of thing can go withDave’s latest project, EveryDollar, procould lose your driver’s license for not little credit for a prettier town.” out a whole lot of thought. If what you vides a free online budget tool. Follow paying a speeding ticket. You’d have a own doesn’t have some kind of deep “You deserve it, Dewey,” Doc said kindly. “Well, with me Dave on Twitter at @DaveRamsey and real emergency then, wouldn’t you? sentimental and emotional connection on the web at daveramsey.com. it’s a little different. I have doctoring skills, of course, and I would advise looking at the situato family or a major life event, then it’s it’s good when I can help someone, but these days the most tion this way: what is the amount of the just stuff. satisfying part of my job is to check someone out thoroughly and find there’s absolutely nothing wrong with them. Now that’s special.” They looked at the tall cowboy, Steve. Looking “Digging postholes,” he said. Talent Show. BROOKINGS, S.D. - The the experiences we need to “What? That’s your favorite?” for the gain leadership skills and Registration deadline is South Dakota 4-H Youth “Sure,” and Steve grinned. “That’s the only job a cowboy best deal in ever has where he can start at the top and work down.” to make our futures bright,” May 10 Council invites youth to join town? Registration deadline for said Hannah Kilker, Marshall them on the South Dakota 2016 Teen Leadership ConState University campus County 4-H member and Check ference is May 10. To register President of Youth Council. June 6-10, as they present the “WHEN I WAS LOOKING and for complete workshop In keeping with our Teen Leadership Conference: FOR A JOB, TLC Unleashed. superhero theme, Kilker said descriptions visit the online I PUT THE CLASSIFIEDS TO “TLC provides a great bal- delegates will be entertained event page. Youth can also Call leadership training, WORK!” register by contacting their ance of 665-5884 to place your ad here. week while throughout the learning essential leadership local SDSU Extension office. personal growth, and fun Registration dues for skills. to any South Dakota youth Pro athlete and motiTLC 2016 are $225. This fee between 13 and 18 years Our Help Wanted Listings Have Call 665-5884 to www.missourivalleyshopper.com includes room, all meals and of age,” said Audrey Rider, vational speaker, Shannon Hundreds Of Opportunities place your ad here. SDSU Extension 4-H VolunFor You... a t-shirt. Oleen will be the event’s Transportation to Brookkeynote as well as lead a teer Field Specialist. ings isVisit our Web site at not covered, although The 4-H Youth Council en- breakout session on leader• Full-Time 319 Walnut St. group transportation is availship building blocks. courages all teens to attend • Part-Time www.missourivalleyshopper.com Yankton, SD 57078 and bring their friends. able for West River youth for Along with developing • Permanent a nominal fee. niGrow leadership skills and confi“TLC 2016 will provide 605-665-5884 • Temporary dence, Rider said delegates will have the opportunity to Visit our enjoy fun with friends at a Web site at variety of evening activities www.missourivalleyshopper.com including: dances, recreation Call 665-5884 to at the wellness center, and a ROOZEN 4-H TLC Unleashed Registration Deadline Interested in this spot? CLASSIFIEDS! INTERESTED IN THIS SPOT? www.missourivalleyshopper.com MV Shopper Interested MV Shopper in M I S S O U R I VA L L E Y www.missourivalleyshopper.com M I S S O U R I VA L L E Y this spot? Yankton’s Premier www.missourivalleyshopper.com Yarn Shop place your ad here. 319 Walnut • Yankton, SD 605.665.5884 Fill Your Bag For Less! Check our website for a Visit our Yankton Discount Visit our Web site at Interested in Web site at list of current classes Grocery this spot? www.missourivalleyshopper.com www.missourivalleyshopper.com Call 665-5884 to place your ad here. 103 W. 3rd • Yankton 1101 Broadway, Suite 104 Morgan Square OPEN 7 DAYS A WEEK INCLUDING SUNDAY 605-689-3999 8am - 7pm YOU NEED IT TODAY? NO PROBLEM! www.eweknitit.com FAX IT 605-665-5882 Dining & Entertainment Open: Mon.-Fri. 10am - 6pm • Sat. 10am - 5pm Missouri Valley 216 W. 4th St. • YANKTON Paul and Gertrude Nelson 605-665-5884 ,SD Shopper Estate Auction & Paula Jones Estate Auction Interested in this spot? PRICES GOOD MARCH 9 TROUGH MARCH 29 Prices Good March 30 Through May 10 Sunday April 24, 2016 Call 665-5884 to place your ad here. 4-H Building, Yankton, SD INTERESTED IN THIS SPOT? 12:30 Furniture and Appliances: Gas stove, chest freezer, WindowTO conditioner, humidiCALL 665-5884 air fier, refrigerator, Sansui flat screen TV, Bunk bed frame, small wood cabinets, coffee PLACE YOUR AD HERE. and end tables, sofas and matching chairs, desk, dressers, chest of drawers, table and chairs sets, rocking chair, student desk, 3 tiered stand, twin bed with matching night stand, gun cabinet, exercise bike www.missourivalleyshopper.com Household: Many dishes, small kitchen appliances, many Celebrating Home pieces- brand new still in boxes , Sears Kenmore Sewing machine, many towels, linens Antiques and Collectibles: Spoon carved dresser with mirror, wood dressers, Monarch gas/wood stove, camel lights, many books, rifle magazines, cookie jar collection, cameras, singer sewing machine, cast iron bathtub with claw feet and sink, large wall mount cabinet with glass doors, wood corner cabinet, 4 poster bed-full size, secretary with bookcase (could be homemade), vanity with chair, gun making drawings and magazines, hand Sycle, 2 man saw, antler making kit, army shovel, snow shoes Miscellaneous: John Deere riding garden tractor with hood, snow blower and trailer, wood lathe (cast iron) chisels, large drill press, radial arm saw, Air compressor, come-a-long, many hand tools, power tools, yard/garden tools, Snap on riding lawn mower, rear mount sprayer on trailer, wheel barrel, concrete bird bath, bird houses, arrow bag, cb radio, fishing rods, anvil, clamps, moving dolly’s, floor jacks, gas barrel pump, grinders, hand saws, jig saw, mini lathe, parts cabinets, roof snow shovel, small drill press, shop vacuums, tool chests, large vise, work bench, Auctioneer Note: There are many tools and collectibles at this auction. 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