August 23, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Rental Runaround “Sanctimonious siphons, it’s hot!” said Dud, sitting at the philosophy counter and turning over his coffee cup for action with a single smooth move. Dud is a regular at the Mule Barn Dear Dave, truck stop’s legendary world dilemma think tank. My husband and I had to rent a car “Epithet time again, Dudley?” said Doc. on a recent trip to Florida. When we tried “Epithets and heat time, Doc. When that heat comes to pay with our debit card, the attendant along, the only thing that can really change an attitude is a told us he would have to pull our credit report if we used debit instead of credit. properly tuned epithet. It’s man’s emotional release valve, but He said all rental car companies operof course you know that, being a doctor and all.” ate that way, because there was concern Dud doctored his coffee and took a sip. about people stealing the cars and closing “Right?” Dave their checking accounts. Is this true? “Oh …” said Doc, “right … of course. We took Epithets 1A We’re trying to take control of our money and 1B in medical school, naturally. ‘Emotional release valves using your plan, and we don’t want to get a credit card if we don’t have to. and their perfection’ they were called. I got an A in Epithetol—Michelle ogy for the Masses in my third year, too.” —Dave “You’re just putting me on.” Dear Michelle, “Maybe.” No, it’s not true that all rental car ADJUSTABLE RATE MORTGAGE “Let’s look for a moment,” chimed in Bert, “at why epicompanies operate that way. I have a Dear Dave, thets are so good for the soul.” debit card I use to rent cars everywhere Considering all the market volatility, I go, and I’ve never experienced anything “He’s going to wave his arms again,” whispered Doc to why do banks offer adjustable rate mortlike that. Dave Ramsey is America’s trusted Dud. gages? How did they come into being? There still may be a few of the smaller voice on money and business, and CEO “I’m afraid so…” —Anonymous rental car companies that don’t take debit of Ramsey Solutions. He has authored “Yes,” said Bert, “epithets, particularly those where no cards, but him telling you credit cards are seven best-selling books. The Dave swearing is involved, are like a frustrated man’s crossword Dear Anonymous, the only way anyone rents a car without a Ramsey Show is heard by more than 11 I was in the real estate business in big credit check hassle is a bunch of crap. million listeners each week on more than puzzle. They bring out enough cleverness and creativity in a 1978, and that was the year fixed rate When you’re setting up your reserman to pour salve on whatever it is that’s bugging the bejee550 radio stations and digital outlets. mortgages went to 10 percent for the vation in the future, verify in advance Follow Dave on Twitter at @DaveRamsey sus out of him.” first time in history. It created all kinds of that you’re dealing with a company that “I know I feel better with salve poured on my bejeesus,” and on the web at daveramsey.com. chaos, but that wasn’t the worst of it all. said Doc, nodding. “First thing I do in the morning, after coffee,” said Dud. “Well, here comes Steve,” Doc said, as all eyes turned to the cowboy who looked wise, in the way a caffeine-starved owl looks wise. “He’ll pour some salve and sense on this meals.” reading skills.” entire situation. “Mornin’ Steve,” said Dud. “What’s going on?” Back at Home Before You Head to “Bilious blasphemers, it’s hot today!” said Steve. the Store The groaning continued, off and on, through the toast When you return home, course. Create a shopping list involve children in putting groceries away -- especially together, so kids feel like they are part of the decision foods that require refrigeration or freezing. Refrigerate making process. perishable food items “Include food items from promptly and properly. each of the ‘MyPlate’ food “Explain to your kids the groups from the USDA, (StatePoint) Nutrition hood obesity can usually be which include fruits, vegimportance of refrigeratprevented. is important for everyone, ing perishable foods within etables, grains, protein and but especially for children, “August, which is Kids two hours,” King says. “And dairy,” says King. BROOKINGS, S.D. - Jack Davis recently received the 2016 Eat Right Month, is an ideal as it is directly linked to all remember, the clock starts Before you head out the Distinguished Service Award from the National Association aspects of their growth and time for families to focus on when you pull an item from door, grab your reusable of County Agriculture Agents during their Annual Meeting development. the importance of healthful the refrigerated case at the shopping bag to reduce and Professional Improvement Conference held in Little Childhood obesity affects eating and active lifestyles,” store, so head straight home waste. Wash your bag reguRock, Ark. one in six children and adosays Kristi King, registered larly to prevent the spread of after your shopping trip if This award is given to Agents with more than 10 years of lescents in the United States. dietitian nutritionist and you have perishables in the harmful bacteria. service in Cooperative Extension and have exhibited excelThough associated with Academy of Nutrition and car.” lence in the field of Extension Education. This award is only elevated risks of high choles- Dietetics spokesperson. To learn more about Kids At the Store presented to 2 percent of the County Extension Educators “Parents can inspire kids to terol, high blood pressure, Eat Right Month and for in South Dakota each year. eat healthfully by getting bone and joint problems, Once you get to the store, healthful eating tips, recipes, Davis serves as the SDSU Extension Crops Business and sleep apnea, among them involved in shopping videos and more, visit Kidshop together and encourManagement Field Specialist. He is the Academic Vice other health problems, child- and preparing your family’s sEatRight.org. age children to pick a few President for American Society of Farm Managers and Rural As role models, parents new foods they would like Appraisers. and caregivers play a vital to try. His areas of emphasis include strategic and financial CELEBRATION “Talk about foods’ colors, role in children’s nutrition analysis for farm and ranch businesses. His programs and Men’s & Women’s Sandal -- teaching children about shapes, flavors and textures publications focus on farms financial trends, crop produchealthful foods and makale as you shop,” says King. tion costs and budgets, land values and cash rent trends, S ing sure kids get enough “And take time to read the and guiding clients in making decisions that improve the physical activity each food labels. This not only profitability and sustainability of their operation. day. “Consult a registered helps kids understand nutriDavis has recently served as the leader of Farm Bill 312 W. 3rd Yankton • 665-9092 tion concepts, but also gives dietitian nutritionist in your Education in South Dakota, SDSU Extension’s Ag Lender’s area to ensure your family is them a chance to practice Conference, and S.D. Farm Economic Summit. ?iGrow getting all of the necessary nutrients,” says King. BY DAVE RAMSEY RAMSEY accepts debit cards and that there are no ridiculous strings attached. Then, if you don’t like the terms and conditions, go to another rental company. But don’t take a chance on wrecking your total money makeover by running out to get a credit card for something silly. It’s just not worth the risk! By 1981, rates were as high as 17 percent. Banks were paying 10 to 12 percent on savings accounts, but they were making just five percent back from their products. Essentially, banks began looking for a way to prevent themselves from losing money in the future. Out of that, the adjustable rate mortgage was born. With the adjustable rate mortgage (or ARM), banks offer a lower interest rate in the beginning to grab your attention. Then, when rates adjust, they adjust up. It transfers risk to the consumer, and puts the homebuyer in a position where they’re at the mercy of the markets when it comes to the amount of their mortgage payments. Adjustable rate mortgages are a bad, bad deal. If you currently have one I’d encourage you to refinance now! —Dave Draper Winter Wheat Meeting August 25th Davis Receives Distinguished Service Award Boston Shoes to Boots RON’S AUTO Labor Day Early Deadlines Dining GLASS We Supply & Install • Auto • Home • Commercial 650-665-9841 www.ronsautoglass.com Will be closed on Monday, September 5th for the Labor Day holiday. The deadlines for the September 6, 2016 issue are: Display Advertising: Thursday, September 1 at Noon Classified Advertising: Thursday, September 1 at Noon & Entertainment COUPON - Offer expires 8/31/16 OPEN 11 AM - 10PM 600 OFF $ Family Meal 8 Pc. Chicken, 2 Lg. Sides, 4 Biscuits 2504 Fox Run Pkwy. Yankton, SD ??N’T ???S THE ??S! 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