July 26, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Snowball Switch? In a strictly mathematical sense, my advice of paying off debt smallest to largest may be wrong, but it’s still the correct advice. Besides, if people were so good at math they wouldn’t have debt in the first place, would they? If I’m in your shoes, I’d have that lowest student loan paid off in a heartbeat with the bonus you mentioned. I’d throw the remainder, along with your regular snowball payments, at the credit card and keep the debt snowball rolling just like I normally advise. When you’re pushing to get out of debt fast, interest rates don’t really matter much when you add up actual dollars on interest spent. If you were going to keep debt around for six or seven years, then we’d have something to talk about. But when you knock out the little debt and immediately plow through the others with a vengeance, it gives a real sense of accomplishment and confidence. Remember, personal finance is 80 percent behavior and only 20 percent head knowledge. So, mathematically speaking, the advice I’m giving you might be a few dollars wrong, but you’ll benefit in other bigger, long-lasting ways by gaining a sense of closure on your debts, learning how to delay pleasure and staying on a plan! —Dave By Dave Ramsey Dear Dave, We’re working the debt snowball, and together my husband and I make $93,000 a year. The amounts of our remaining three debts are so close we wonder if we should take interest rates into account. Two are student loans for $2,970 and $6,700, while the other is credit card debt in the amount of $4,750. I also got a recent bonus of $3,600. Should we put that toward our debt snowball? —Robin Dave RAMSEY Dear Robin, Dining & Entertainment It’s not discrimination Dear Dave, I’m in the middle of a Chapter 13 bankruptcy. I’ve worked for years in the automotive industry, but lately I’ve been thinking about a different line of work. The problem is I’m afraid I will be discriminated against when applying for jobs COUPON - Offer expires 6/30/16 OPEN 11 AM - 10PM 6 $ 00 OFF because of the bankruptcy filing. I think the government has given businesses the permission to look at my financial history. Do you have any suggestions? —Joe Dear Joe, The government doesn’t give businesses permission to look at your history. They had that right anyway. And it wouldn’t be discrimination, because it’s a part of their analysis as to whether or not they want you working for them. That kind of thing is perfectly reasonable. It’s not discrimination. A lot of this, however, depends on the job and how seriously the employer is considering you. If you’d be doing something where you have to be bonded, then you’ll have trouble because the bankruptcy can prevent you from being bonded. If you would be handling large sums of money or be given access to large sums of money, the Chapter 13 bankruptcy would reflect poorly on you and make you a higher risk. Just be honest and disclose it, Joe. If they ask questions, explain things truthfully and the reasons behind why it happened. Also, don’t carry around a chip on your shoulder about the bankruptcy. We all make mistakes, and the smart ones among us learn from them. I wouldn’t necessarily have an issue with someone just because they had filed bankruptcy in the past, but it would create problems if they tried to hide it from me. —Dave 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. niGrow Family Meal 8 Pc. Chicken, 2 Lg. Sides, 4 Biscuits HOT SUMMER BUYS 2504 Fox Run Pkwy. Yankton, SD 2 0 1, 6 July 30 - August 3 2016 DIXON COUNTY FAIR CONCORD, NEBRASKA th rd NO COOLERS ALLOWED ON FAIRGROUNDS QUESTIONS? r.org countyfai Online: www.dixon 26 402-355-ice: 86 Fair Off 402-258-2232 Sunday, July 31st Admission to Grounds: Season Pass $25 – Sunda Monday – Wednesday, $10 y, $5 per Tuesday, $20 (after 5) Day 12 & Under FREE! 2014 Buick Encore, White, AWD, 1.4L turbo, rear camera, 37K,* .................$14,500 2013 Chevy Equinox, White, AWD, 2.4L auto, new tires ...............................$13,500 2013 Chevy Impala LT, Silver, full power, remote start, 56K..........................$11,995 2012 Ford Fusion SEL, White, leather, full power, V6, 76K ............................$10,500 2011 Chevy Impala LT, Silver, leather, moon roof, full power, 55K .................$11,995 2011 Chevy Silverado, Gray, C1500 reg. cab, longbox, V6, auto, w/t,* .........$12,500 2009 Chevy Silverado, K1500, white, 4x4, w/t, V8, auto, reg. cab, longbox, 102,000 miles.............................................................................$11,900 2004 Chevy Silverado, C1500, white, ext. cab, 5.3L, auto, full power, bucket seats, console, 122,000 miles, bed cover, new tires ................................................$7,995 *Salvage Title 10:00a.m. ..............................Open Class Horse Show 11:00a.m.–2:30p.m. ..................................... Car Show 1:00p.m. ................................. Horseshoe Tournament 7:00p.m. .......... Gospel Music: Prodigal Sons of Ponca 605-665-3720 • Yankton, SD Monday, August 1st Personal Injury Attorney 5:00-7:00p.m. ........................................... FREE Barbeque 7:00p.m. ....................................................... Team Sorting 7:30p.m. .Concert by Emily Johnson Band|Headwind 9 p.m. 9:00p.m - Midnight ......................................... Teen Dance Tuesday, August 2nd 11:00a.m. ............................Modified & Farm Tractor Pulls 3:00-5:00p.m. ............. Commercial Vendor Demo’s, Ag Hall 6:45p.m. .................... Live Auction of Chainsaw Sculptures 7:00p.m. .................................. Outlaw Truck & Tractor Pull Wednesday, August 3rd 12:00p.m. ................... Kiddie Pedal Tractor Pull (Ages 4-9) 7:30p.m. .................... Live Auction of Chainsaw Sculptures 8:00p.m. ..................Demolition Derby Limited Weld, Stock, Compacts & Figure 8 Compacts RICHARD’S AMUSEMENTS Monday, Tuesday, Wednesday 20 Tickets for $10 • Advance Ticket Sales at These Locations thru July 31st Countryside, Allen; Cook’s Country Store, Ponca; Rath Mini Mart, Laurel; Euni’s, Dixon; Dietrich Upholstery, Concord; The Legacy, Newcastle; Cubby’s, Wakefield Injured? • Auto Accidents • Work Injuries • Defective products or conditions • Uninsured motorists Delay can be a serious and expensive mistake! NOTE: The claims adjuster is not your advocate, YES, you do need a lawyer, NOW! Kit McCahren Toll Free 1-877-CALLKIT or 280-6913 (cell) The closed-season school board meeting was called to order half an hour late by its chairman, J. Buckdancer Alcott, because the board members saw Windy Wilson sitting in the audience. Windy had no children, and he sure as sugar wasn’t a teacher, but he could talk. And he was patiently biding his time. Despite the board’s foot dragging through the agenda, Windy didn’t give up and go home. Finally, Alcott said it was time for public feedback and asked if anyone wanted to speak. Windy raised his hand. Alcott looked desperately around, but Windy’s hand was the only one raised. He nodded in Windy’s direction. “My name is Alphonse Wilson,” he said, standing, “and I live here.” “We know who you are, Windy,” said Alcott. “Thanks, Buck. I feel it’s my duty to bring to the board’s attention a strategic dearth of learning with these young people today. A paucity of eddyflication. In short, their vocabulary is seriously obfusticated. We have to ask ourselves, what are these young people going to do in polite society when a hostess passes around the horse doovers? Are they going to palaver proper, or just sit there on their sacrolibriums and nod? Are they going to be admitted to the barn association, write them writs of habeas porpoise, or just sue each other out of court? Are we really doing them a favor by not enrichelating their talking prior to a proper propulsion into adultery? I say no!” At this point, two ladies in the audience quickly excused themselves and dashed into the hallway. “Instead of being instructed in proper English, our students today spend all their time watching private defective shows on television. So I think teachers should work on getting ‘em more eloquenter than they are now.” “Mr. Wilson,” asked one of the board members, “what is it about the way our students speak that you find objectionable?” “They say like all the time. Instead of making a simple declarational sentencing, they say, ‘Oh, I was like this and he was like that, and she like ate dinner.’ Windy doesn’t even charge for these lessons. They’re always, like, free. niGrow Funded in Part by Dixon County Convention & Visitor’s Bureau Love- A-Lop Farm Petting Zoo - Sunday thru Wednesday HAY DAYS MAIN STREET 2 0 1 6 GAYVILLE, SD SAT, JULY 30TH SCHEDULE OF EVENTS 1K Walk, 5K Run, 10K Bike Kid’s Water Slide 3rd Annual Danny Barta Sr. Horseshoe Tournament Peddle Pull Poker Run Ditzy The Clown Bean Bag Tournament Kid’s Water Challenge Hay Auction Registration 7am-Starts 8am Open 9am-8pm Registration 10-11am Starts 11am Registration 12-1pm Starts 1pm Registration 1-2pm Starts 2pm On Main Street 2-4pm Registration 2-3pm Starts 3pm Registration 2-3pm Starts 3pm Starts 6pm 50 OFFER $ MAX MAINTENANCE REWARDS REWARD CARD * Keep your equipment running at peak performance with maintenance solutions from Case IH. HURRY IN OFFER ENDS • AUGUST 31, 2016. Redeem this offer at the Reward Center at partstore.caseih.com by September 30, 2016. Kayton International, Inc. Web Site: www.kaytonint.com 2630 State Hwy. 14, Albion • 402-395-2181 • 800-248-2215 1211 W. 2nd, Crofton • 402-388-4375 • 800-798-4376 West Hwy. 275, Neligh • 402-887-4118 • 800-247-4718 LIVE MUSIC - WILD BILL’S MRS. BEGLEY & THE BOYS Playing 8pm-12am 50/50 FOOD CASH RAFFLE VENDORS PRIZES Join Us For A Day of Fun For the Whole Family! finding the right job is easier than you think * Case IH Reward Cards will be mailed to qualifying customers within 90 days after the promotion end date which is August 31, 2016. All redemption forms must be entered online at partstore.caseih.com and submitted by September 30, 2016. Case IH Reward Cards may be used to purchase eligible CNH Industrial parts and related services and products only at any participating Case IH dealership that accepts the CNH Industrial Capital Productivity Plus Account. Case IH Reward Cards are not refundable for cash, are not transferable, will not be replaced if lost, stolen or destroyed. Case IH Reward Cards may not be used toward prior purchases and may not be used to make any payments on existing debts or account balances. Program subject to change or cancellation without notice. † Lubricant offer is only available at Case IH dealers. ©2015 CNH Industrial America LLC. All rights reserved. Case IH is trademark registered in the United States and many other countries, owned by or licensed to CNH Industrial N.V., its subsidiaries or affiliates. CNH Industrial Genuine Parts and CNH Industrial Capital are trademarks in the United States and many other countries, owned by or licensed to CNH Industrial N.V., its subsidiaries or affiliates. Any trademarks referred to herein, in association with goods and/or services of companies other than CNH Industrial America LLC, are the property of those respective companies. www.caseih.com MRC when you’ve got the right direction Stop searching. The Help Wanted section of the Missouri Valley Shopper lists many possible new job opportunities. Find a career that’s right for you. MV Shopper M I S S O U R I VA L L E Y M I S S O U R I VA L L E Y