September 27, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Owing On Commercial By Dave Ramsey Dear Dave, My husband and I own three commercial buildings in Boise, Idaho, that are leased out long-term. We owe about $500,000 on one and $400,000 on each of the others, and they earn $190,000. The only other debt we have is a small amount left on our mortgage. I know you don’t like debt, but is it okay to owe on commercial properties that are making good money? —Dawn Dear Dawn, I own several commercial buildings, and I don’t owe a dime on any of them. So, I can’t tell you that I think it’s okay to have debt on commercial buildings. I believe the best plan for building wealth is to become debt-free. Now, from the situation you’ve described, that doesn’t necessarily mean you guys should be in panic mode and start selling everything in sight. But I do think that you should systematically work your way out from under these debts over the next few years. If I were in your shoes, I’d go ahead and get the house paid off first. Then, I’d take a look at these commercial properties, and begin working the debt snowball on them. Start throwing as much money as you can at the smallest debt, while making minimum payments on the other two. When you get it paid off, roll that amount over — along with every dime you can dig up — and attack the second largest one. Follow these steps until you pay off all of your commercial properties. Dave It might take up to 10 years in your case, because we’re talking about at least $1.3 million in debt. If you have a bunch of equity in one you don’t particularly like, you might consider selling it and throwing the cash at the remaining two. But whatever the timeline, I’d develop a hardcore game plan to get rid of this debt. Wouldn’t it be cool to have all that paid for? Talk about cash flow! —Dave RAMSEY Split it with you Dear Dave, My wife and I are debt-free except for a car and our house. The car is financed through her mom, and her dad agreed to send us half of the payment each month. We owe $7,700 on the car, and we have enough cash right now to pay off the car in full with plenty left over. Should we do this, even though her dad is making $100 of the payment each month? —Dustin Dear Dustin, If her father had agreed to send you guys $100 each month, ask him to continue doing that for the duration of the agreement. Then, you guys pay off the car now with your cash. There’s nothing dishonest about this, as long as you explain the plan to her parents and they’re agreeable. The reason for this approach is twofold: it gets the debt paid off, and then you can get the car put in your name. Plus, a situation like this represents drama just looking for a place to happen, if it hasn’t already. Family relationships take on a weird vibe when money has been loaned and borrowed. If they’re not agreeable to the idea, that’s okay. All you can do is ask. But one way or another, I’d be out of this situation before the sun goes down! —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 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. SDSU to Host Ag-Bio Career Fair on Sept. 28 BROOKINGS, S.D. – South Dakota State University will welcome more than 130 employers to its annual fall AgBio Career Fair on Wednesday, September 28. The event is hosted by the SDSU College of Agriculture & Biological Sciences and the Office of Career Development. The fair will take place in the University Student Union from 1 p.m. to 5 p.m. A total of 133 employers from 15 different states will represent a multitude of industries, including agronomy, business, dairy, equipment, finance, food, government, horticulture, livestock, manufacturing, medical, natural resources, poultry, swine, precision ag, research and technology. Employers will be recruiting for both internships and full-time positions. Fifty-five of the companies are registered to conduct interviews with potential candidates the day after the fair. “The Ag-Bio Career Fair is open to all Ag-Bio students. It is a great opportunity for them to connect face-to-face with employers,” said Donald Marshall, associate dean of Agriculture & Biological Sciences. “The career fair gives our students the chance to learn about internship and career opportunities and to make an impression with recruiters.” A new feature at this year’s fair will be use of “The Fairs App,” according to Julie Ohlsen, career coach for the College of Agriculture & Biological Sciences. “We’re excited to offer this mobile app as a tool for students to navigate the Ag-Bio Career Fair, which is our largest on-campus fair. The app allows students to view all of the employers at the fair and to filter by industry or major. Students also can add employers to a personalized list of favorites and much more. We will launch the app a few days before the event so that students can use it to pre-plan their time at the fair.” Available for both students and employers, “The Fairs App” is free to Let Our Family Business keep yours in the go with: • Farm Filters • Hydraulic Hoses • Bearings & Seals Cox Auto 1007 Broadway Ave. • Yankton • 665-4494 Surplus Property Sale download. Premier sponsors for this year’s Ag-Bio Career Fair are: Agropur, Christensen Farms, CHS, Dow AgroSciences, Farmers Business Network, Harvest Land Cooperative, JBS, Syngenta and South Dakota Wheat Growers. For more information about the Ag-Bio Career Far, visit the Career Fair page. About the College of Agriculture & Biological Sciences The College of Agriculture & Biological Sciences is one of the eight colleges that make up South Dakota State University. Like the university, the college has a three-fold mission to teach, conduct research, and use extension programs to serve people in South Dakota, the nation, and the world. For more information, visit the SDSU College of Agriculture and Biological Sciences page. About the Office of Career Development The Office of Career Development is a centralized career center dedicated to helping students develop lifelong career management skills and serving as a bridge between students (talent) and employers (opportunity). For more information, visit the SDSU Office of Career Development page. About South Dakota State University Founded in 1881, South Dakota State University is the state’s Morrill Act land-grant institution as well as its largest, most comprehensive school of higher education. SDSU confers degrees from six different colleges representing nearly 200 majors, minors and specializations. The institution also offers 35 master’s degree programs, 15 Ph.D. and two professional programs. The work of the university is carried out on a residential campus in Brookings, at sites in Sioux Falls, Pierre and Rapid City, and through Extension offices and Agricultural Experiment Station research sites across the state. For more information, visit the SDSU website.  niGrow S.D. Local Foods Conference in Mitchell BROOKINGS, S.D. - The 2016 South Dakota Local Foods Conference (SDLFC) is scheduled for Nov. 3-5, 2016 in Mitchell at the Highland Conference Center at 2000 Highland Way.  In-depth pre-conference sessions begin Nov. 3, 2016, followed by the start of the conference on Friday, Nov. 4. A social networking event will take place the evening of Nov. 4 and a fourth track “In The Kitchen” at Mitchell Culinary Institute is scheduled for Nov. 5. “This conference provides educational programming and networking opportunities for producers, local food enthusiasts - and resource providers of specialty crops and other niche local food products,” said Kari O'Neill, SDSU Extension Community Development Field Specialist. Other components of the event include vendor booths and meals using local foods. The conference will include two keynote speakers: Daniel Halsey, a certified permaculture designer and teacher for multiple academic institutions and organizations out of Prior Lake Minnesota; and “The Sioux Chef,” Sean Sherman, who was born in Pine Ridge and is now a caterer and food educator focusing on revitalizing indigenous food systems in a modern culinary context in the Minneapolis, St. Paul area. During the pre-conference sessions, Nov. 3, producers have the option to receive intensive training.   Five different sessions are planned: ‘Permaculture Design and Perennial Crop Systems Design’ with keynote speaker, Dan Halsey; ‘Cooking with Indigenous Food’ with keynote speaker, Chef Sean Sherman; ‘Social Media and Marketing’; ‘Writing your 2017 Value Added, SARE, USDA, and Specialty Crop Block Grant’; and ‘Hops 101.’   These sessions require advance registration separate from the conference registration. The mainstay production, marketing and business tracks are offered during the main conference Nov. 4-5. Production topics range from Marketing Meat Goats, Hydroponics, Hops, Production of Herbs, to Honeybees 101. Some of the marketing track sessions include How to Market Online by Bizzy Lizzy Flourless Bakery, the Marketing Story of Wild Idea Buffalo and a Brewers Panel.   Business track sessions include a presentation by Wozupi Tribal Gardens, the Fundamentals of Creating a Business Plan, Building Natural Capital with Plant Systems with keynote speaker Dan Halsey, and Food Safety.     The conference is meant to continue the dialogue on local foods among producers, growers, consumers, school nutrition programs, grocers, restaurants and resource providers. Anyone with an interest in local foods is encouraged to attend. Continuing Education hours are available to chefs who participate in the event. Registration Information Early bird registration runs through Sept. 30, 2016 for the twoday event at $75 per person. October 1, the registration goes to $85 per person. Registration for either Friday or Saturday only is $45. To register, visit the Eventbrite  registration page  and complete your online payment for any of the pre-conference sessions and the conference.   The Local Foods Conference is sponsored by a collaboration of partners including the South Dakota Specialty Producers Association, SDSU Extension, South Dakota Department of Agriculture, USDA Rural Development, Dakota Rural Action, South Dakota Public Broadcasting, the South Dakota Small Business Development Center, Mitchell Technical Institute, Black Hills Food Hub, and Spearfish Local. Follow the South Dakota Local Foods Conference online. niGrow Dining & Entertainment The University of South Dakota will be offering for sale miscellaneous surplus items, chairs, tables & desks Friday, Sept. 30th from 9am to 4pm Location of the sale is at the USD Quonset located north of the Dakota Dome on Hwy 50, next to the Vucurevich Day Care Center. Any questions call 605.677-5669 Terms of Sale: Cash Only, NO Checks You can be this comfortable spring, summer, fall & winter! Don’t Miss This!! BazaarParish At Tabor ~ St. Wenceslaus Sunday, October 2, 2016 Chicken •Dressings •Dumplings • Sauerkraut •Mashed Potatoes & Gravy • Vegetable & Fruit Salad • Rolls • Kolaches • Desserts SERVING 3:00-7:00PM BESEDA HALL (Air Conditioned) Raffle Prizes • Games • Concessions • Country Store Fish Pond • Cake Walk • Sweet Shop • Many More! Adults $10.00 • 12 & under $5.00 • Preschool FREE With a new comfort system from.. 2500** in incentive savings $ or 4 years no interest* *with approved credit, certain restrictions apply. See store for details ** Manufacturer rebates & utility rebates 920 Broadway, Yankton • 605-665-9461 larrysheatingandcooling.com Open To The Public Pancakeast Breakf Pancakes, Eggs, Bacon, Sausage, Biscuits & Gravy, French Toast 7.00 All You Can Eat $ Children 6-10 $4.00 • 5 & Under Free Sunday, Oct. 2nd • 8 - 12:30 VFW Post 791 209 Cedar, Yankton • 665-3562 LAST Outdoor/Indoor Fall Fair Saturday,October 1 8 am - 2 pm Springfield Community Center Many vendors, baked goods and crafts. Coffee, rolls and lunch served by Dakota Senior Meals. Flea Market in Davis, SD Saturday Oct. 1, 9am to 3pm 30+ Outdoor Vendors & 5,000 sq. ft. Indoors with Antiques, Vintage, Furniture, Farm Fresh & Lots of Project Pieces. Three other shops also open! THE MARKET ON 18 Come Enjoy the Day in Davis Junkin, Food & Fun! www.marketon18.com like us on facebook