com April 26, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Addressing Debt: When To Sell Sentimental Stuff Herb Collins was back out in the yard again Saturday. The noise made the neighbors go to the windows and peek out to see what was going on, because yard work and noise and Herb have never gone together. By Dave Ramsey ticket in relation to your income and I hope this helps Mystery solved. Herb has a new gas-powered lawn mower. overall financial health? If the ticket a little, William. Last Saturday was the final outing for his quiet electric lawn Dear Dave, is $100 and you make $200,000 a year, There’s nothing mower, as he once again ran over the cord and cut it. The How do you decide whether or not then stop worrying and pay the ticket. wrong with having to sell collectible memorabilia when But if you got slapped with a $300 ticket cord finally had more patches than a quilting bee, and Herb some nice things. you’re getting out of debt? — William and you only make $20,000 a year, then had opted for a gas mower that didn’t require an umbilical But there’s a big difDear William, link to the front porch. 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 Steve was going by in his pickup truck, the big one with spectrum of emotional involvement budget, then leave the emergency fund duellies and the blacksmith’s forge in the back, and he pulled your things having when it comes to this sort of stuff. I you. Never let “stuff” alone. If not, then dip in for just enough over and stopped. Steve got out and watched quietly as mean, there’s a big difference between to pay the fine and replace the amount Herb continued to mow the lawn. Steve poured himself a cup stand between you Mark having a baseball signed by Mickey as quickly as possible. I mean, you’ve and your family’s of coffee from his Thermos, pushed back his Stetson, and 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. watched Herb work up a good sweat. and financial wellHerb made three more rounds of the yard, and finally buying a baseball a few years ago that I’m glad you’re working to get control being — Dave thought Steve might have something important to say to him, he autographed and seeing it has gone of your money. Just remember to slow so he killed the engine on the mower, mopped his brow, and up in value. down a little when you’re behind the Speeding ticket emergency With the first, I’d be tempted to tell walked over to the visitor. wheel! — Dave Dear Dave, you to keep it unless you’re literally “Workin’ hard there, I see,” said Steve. Recently, I got a speeding ticket. about to lose everything. In it, you Dave Ramsey is America’s trusted “Gotta stay ahead of it,” said Herb. have a deep, emotional connection — a I’m also following your plan, so I was voice on money and business, and CEO “Why?” personal story about you, your dad and wondering if a speeding ticket is a good of Ramsey Solutions. He has authored Herb looked puzzled at Steve’s question. “Well … otherreason to dip into my emergency fund. one of the greatest baseball players of seven best-selling books. The Dave wise it grows too fast and the yard looks crummy.” — Ariel all time. It was a sentimental, once-inRamsey Show is heard by more than 11 “I was by here Thursday,” said Steve. “Saw you watering.” Dear Ariel, a-lifetime kind of thing. In the second million listeners each week on more than Herb nodded. 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 “Why?” hobby. That kind of thing can go withDave’s latest project, EveryDollar, procould lose your driver’s license for not “Well … to make the grass grow, of course.” 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 Steve raised his eyebrows. Dave on Twitter at @DaveRamsey and real emergency then, wouldn’t you? sentimental and emotional connection on the web at daveramsey.com. “What?” asked Herb. I would advise looking at the situato family or a major life event, then it’s “Isn’t it kinda like digging a hole and filling it up?” tion this way: what is the amount of the just stuff. “I don’t get you.” Steve got back in the pickup, rolled down the window, and said. “Seems to me like you’re just encouraging it.” Then he drove away, leaving Herb to once again deal with the intricacies of cowboy philosophy. fulltime for an area farmer In 2009, Kelly returned BROOKINGS, S.D. - SDSU based information to South Dakotans on developing and began building his own to South Dakota. In 2012 he Extension welcomes Sean cow/calf herd. began working in the ER at Kelly to serve as SDSU Exten- grazing systems, range and the Gregory Hospital and grassland management, soil He returned to school sion Range Management in 2002 to pursue a Range building up his own backField Specialist. health, ecology and other grounding and feeder cattle range-related topics. Science degree from South “Cattle grazing is a very Dakota State University. operation. “I’m eager to work with important component BROOKINGS, S.D. - South Dakota 4-H, calls on 4-H memEager to work in agriculAfter graduating, he went of our prairie ecosystem livestock producers and bers and supporters to show off their talents through the ture fulltime, when Kelly saw landowners to help them on to receive a masters in and a key component for National 4-H Council’s #TrueLeaders - part of the Grow True the opportunity to join the Ranch Management from the profitability of South improve their grasslands. Leaders campaign. SDSU Extension team, he Texas A&M Kingsville, King Dakota cattle ranchers,” said Healthy range manage“As a program, we want to focus on the power of AmeriRanch Institute for Range applied. ment is the foundation for a Alvaro Garcia, SDSU Extenca’s youth. 4-H teaches kids skills they need to lead not only “I have a passion for helpranching operation,” Kelly Management. sion Agriculture and Natural in their lives, but their communities and careers as well,” Before joining SDSU ing people,” said Kelly, who Resources Program Director explained. “Determining said Peter Nielson, SDSU Extension 4-H Youth Development remains involved in health& Professor. “Sean will proproper stocking rates for the Extension, Kelly worked for Program Director. Natural Resources Consercare as a volunteer EMT and current carrying capacity of vide a strong regional and The nation-wide, Grow True Leaders, campaign is dea ranch is the one leverage vation Service (NRCS) in RN. “Whether it’s in a trauma statewide leadership. His veloped to empower youth by giving them the opportunity situation or on the ranch, point which ranchers can Montana and Nebraska as experience as both a cattle to share their voice and show how their skills are making a helping livestock producers a Soil & Range Conservaproducer and range science control to make sure they difference in communities across the state. make range management remain sustainable.” tionist. While working with professional will be valuable “Throughout this campaign, we ask 4-Hers, parents and NRCS, Kelly began volunteer- decisions that will increase More about Sean Kelly as he develops and delivers alumni to Shout, Share and Support 4-H,” Nielson said. A Winner native, Kelly ing as an Emergency Medical grassland health and producresearch-based programNielson encourages 4-Hers and supporters to utilize all tion. That’s why I wanted Technician (EMT) for the ming to livestock producers grew up working for Tripp social media formats Shout the impact youth are making in to join the SDSU Extension local volunteer ambulance and landowners.” County farmers/ranchers. their communities #TrueLeaders and #SD4H. and fire department. He team, because helping South After receiving an ag busiKelly will office from the In July, Grow True Leaders encourages youth and supness associates degree from found the work fulfilling and Dakotans is a focus of what SDSU Extension Regional porters to Share how the 4-H pledge is relevant today with we do each day.” iGrow Extension Center in WinWestern Dakota Technical In- returned to school to get his n the hashtag #4HGrown. ner, providing researchstitute, Sturgis, Kelly worked Registered Nursing degree. “Our goal is to re-connect with alumni and provide inspiration for current 4-Hers to continue their involvement,” Buy • Sell • Trade Nielson said. COOL OFF THE FOOTSIES! The campaign will wrap up in November, when 4-Hers Brian & Jean DeGroot, Owners Quality... New Spring Styles Now Here 802 Broadway, and supporters are encouraged to Support the National and USED Cars, Yankton, SD Local 4-H programing. Trucks, Campers, Boats To learn more, contact your local SDSU Extension 4-H & Consignments Program Advisor and stay tuned to South Dakota 4-H updates on iGrow, Facebook, Twitter and Instagram. niGrow ROOZEN Kelly New Range Management Field Specialist S.D. 4-H Highlights 4-H’s #TrueLeaders 665-1596 www.bridgecityautoyankton.com Boston Shoes to Boots 312 W. 3rd • Yankton • 665-9092 PER SPA NEW ERY LIV DE S UTE RO Enjoy short early morning hours! Monday-Saturday. Earn $200-$400 per month Dining & Entertainment $100.00* Sign On Bonus *$50 after 3 months of service, $50 after 6 months of service. 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