July 5, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Baby Steps, Motivation And Retirement By Dave Ramsey Dear Dave, I make $38,000 a year working in the trade show industry, and I’m about to start Baby Step 3. It took 14 months to pay off $8,000 in debt for Baby Step 2, so I’m wondering how long it should take to save up my three to six months of expenses. I’ve also not done a lot toward retirement. I’m 52, and I’m worried about that. How can I stay motivated in the Baby Steps and handle retirement worries? —Donna Dear Donna, The general time frame I look at for saving up a fully funded emergency fund is six months to a year. Your take-home pay should be about $3,000 a month, so three to six months of expenses will probably be in the neighborhood of $8,000 to $10,000. If it took you about a year to pay off that much in debt, then it should take about a year to accomplish this. But if you start building retirement right now and have an emergency, you know what you’ll use? You’ll use your retirement. That’s why the emergency fund comes before retirement in the Baby Steps. The average household income in America, which is often two incomes, is around $52,000. I would challenge you to think about and work toward what you could be doing at age 60 that will make you that much or even more. You’re probably working really hard Dave RAMSEY for that $38,000. In your fifties, if you’re starting over — or if you start making a lot more — we call that an “encore career.” So I want you to start thinking fresh again. Don’t quit today, but you’re going to be making $38,000 eight years from now unless you start aiming at something else. All this is as much an answer to your retirement fears as trying to leapfrog and start doing retirement without an emergency fund. Put your emergency fund in place over the next 12 months, and start doing some goal setting and thinking. Maybe you’d like to own a trade show or events company by that time. Ask yourself, “What would I do if I could do anything?” Because you know what? You can do anything! —Dave Generosity or overspending? Dear Dave, I’ve heard you talk about the importance of giving using the phrase “outrageous generosity.” But at what point does outrageous generosity become foolish overspending? —Josiah When the world is hot and my skin is fried, scratching from the constant dry, let the clouds boil up, boil up high. And then shade the earth with the darkening sky and bring the secrets and the smell of rain. The coolness and the blessed rain, again. Our land is brown but blessed, stressed in the heat, the shiny heat of day. The slender green of rivers slide along, striving to continue, to feed its own along the banks, the banks where the dust rises. Rises, powdery clomp by clomp as we walk, walk the shady way. And though the heat, the dryness of heat, pushes down our weary feet, we plod along. Ours is the blessing of challenge, to live, to thrive in the heat. To toil and sweat, to make the cold drink at day’s end that much sweeter. Sweeter as it goes down, cooler as it falls, dropping the coolness inside us and forcing us to smile. That summer smile. When the heat falls hard, on many days, unquenched by the dark of night, we ask, in quiet times, we ask. Bring us the clouds, the black-bellied clouds, the clouds that softly hold the heads of gods in their moistening grasp. The clouds, those big-bellied busters that hold the violence, the wind, the flashes, the noise. The clouds we wait for and pray for and look for on the western ridge. Let them come, with their silver tops and their bellies black as night and cool as forgiveness. The summer clouds, the clouds that define our culture, our art, our summer, our hot, heavy summer. A rain, a storm, a suddenness of life and blast and sweet charity designed to keep us living here, here in the rain, here in the sun, and keep us praying, here in the rain, and looking toward the west for more, always to the west, always looking for more. Dear Josiah, This is a good question. Your first mandate is to take care of your own household. The Bible says if you don’t do this, you’re worse than an unbeliever. So start with your own family. Are you able to take care of the basic lifestyle and needs of your family? The pursuit of giving shouldn’t interrupt the food on your own family’s table. The Bible also says in the house of the wise there are stores of choice food and oil, but a foolish man devours all he has. You need to be saving, too, in order to be biblically wise. If you spend everything you make, or, for that matter, if you gave away everything you make on an ongoing basis, it would be foolish. There are individual times where people may be called to give in an extreme way, but I’m talking about a pattern of living or way of life over an extended period of time. If you just say you’re going to give away your whole income and let the government support you at the expense of your family, that’s not biblical. And it’s not a wise way to live your life. —Dave Pesticide Container Recycling Schedule Available Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-selling books. The Dave Ramsey Show is heard by more than 11 million listeners each week on more than 550 radio stations and digital outlets. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. BROOKINGS, S.D. - South Dakota Department of Agriculture (SDDA) will again offer a pesticide container collection program this summer. Anyone with empty, triple or pressure rinsed, hard plastic pesticide containers can bring them to the nearest collection location for recycling. Science,” explained Camresearch will be put to good 2016 Schedule mack, who received her Mas- use. The first collection date is July 11 from 9 a.m. - 2 p.m. ter’s in Animal Science from “In life we are all stu(CST) in Miller and the final collection date is September the University of Nebraskadents. After 10 years 8 in Rapid City and Wall. Lincoln and a PhD in Animal of focusing on my own For the full list of locations and times, see the 2016 Science from the University research, I am excited for the schedule at the SD Department of Agriculture website. of Missouri. opportunity to learn about Disposal Procedures Cammack spent the and support the research“Proper preparation of the pesticide container is crulast 10 years conducting ers and the many different cial for the recycling process,” said Amanda Bachmann, research and teaching at research projects underway SDSU Extension Pesticide Education & Urban Entomology the University of Wyoming at the field stations throughField Specialist. where she most recently out western South Dakota. Containers brought to the collection events must be served as Associate ProfesWorking together, we can 2.5 gallons or smaller and will be inspected for complisor of Animal Science in have a positive impact on ance before they are accepted. Breeding and Genetics. Her the lives and livelihoods of Any container with visible pesticide residue will be research there stemmed South Dakota’s agriculture returned to the homeowner or applicator for proper from earlier graduate work producers and consumers,” preparation. The SDDA also requests that caps and labels in the area of feed efficiency. Cammack said. be removed from the containers when possible. Most recently, Cammack’s To learn more about the Other kinds of containers (e.g. shuttles, drums) research focused on underSDSU West River Ag Center and large quantities of containers can also be recycled standing the role of rumen and other SDSU Field Stathrough the SDDA, but they request that you contact microbes in the feed ef- PRICES GOOD MARCH 9 TROUGH MARCH 29 advance to make the proper arrangements, tions visit them online here. them in ficiency of the host ruminant Cammack can be contacted 605.773.4432 or 800.228.5254. 100% QUILTER’S by email animal, including both beef COTTONS or by calling the If you are planning on using the Pierre or Vermillion (BENARTEX, DAVID TEXTILES FABRIQUILT,...) In-Weave coupon site, they do require you to call cattle and sheep. West River Ag Center at container collection REGULAR Happy99 return to South to 605.394.2236. iGrow ahead (605.773.4432, 605.677.7076). n Dakota6 work for her99 and More Information alma mater, Cammack said Additional questions about the container collection she will work to further program can be directed to SDDA at 605.773.4432 or RED DOT SPECIALS facilitate integrated re800.228.5254. niGrow place your ad here. Call 665-5884 to (COTTONS, TWILL, POLY/COTTON, FLANNEL AND MORE) search, not only throughout 49 the field stations in western South Dakota, but also with researchers on campus at FLAT FOLD SPECIALS: Call 665-5884 to SDSU. She explained that her place your ad here. experience in teaching and COUPON VALID MARCH 9 THROUGH MARCH 29, 2016. SDSU Hires New West River Ag Center Director BROOKINGS, S.D. - South Dakota State University recently hired Kristi Cammack to serve as Director of the West River Ag Center. “Kristi brings to South Dakotans an extensive knowledge and understanding of production agriculture in the western portion of our state as well as experience as a successful animal scientist,” said Daniel Scholl, Interim Dean of the College of Agriculture and Biological Sciences at SDSU. “She will be critical in helping us achieve and maintain, in every way possible, a level of excellence that is absolutely essential and expected for the SDSU field stations in the western portion of the state.” As Director of the West River Ag Center, Cammack will guide the operations of field stations in western South Dakota; including the oversight of staff, research and outreach activities for the West River Ag Center, Antelope Field Station and Cottonwood Field Station. More about Kristi Cammack Raised on her family’s crop and livestock farm near Platte, Kristi “Hiemstra” Cammack developed a keen interest in working with livestock which influenced her decision to pursue a bachelor’s degree in Animal Science at SDSU. “I really enjoyed helping out in all areas on my family’s farm,” said Cammack. “Even today, whenever I have the opportunity, I return to my family’s farm or my husband’s (Ryan) family ranch.” While attending SDSU, Cammack’s interest in animal research was sparked through a part-time job in the SDSU Cow-Calf Unit as well as working as teacher’s assistant for an animal breeding and genetics professor. “I enjoyed working in the lab and was encouraged by my professor to pursue a graduate degree in Animal Let Those Toes Breathe! 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