October 4, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Sold Dave Three Timeshares? people, are just straight-up stupid. Never buy a timeshare! The customer dissatisfaction rate with those things is sky-high, and you’re pretty much stuck once you buy one. They’re almost impossible to sell, Dave because you don’t really own anything. For the money you spend to buy a timeshare, you could take several nice vacations and stay in some pretty decent places. People get suckered in to these things all the time, Jeremy, but it’s a really bad idea. Don’t do it! —Dave By Dave Ramsey Dear Dave, My wife and I recently sat through a timeshare pitch at my mom and dad’s community as a favor to them. We’re trying to get out of debt and take control of our money, so when the salesman said we could put the whole thing on a credit card, I told him about you and your plan. He then said that he used to be your personal financial advisor and had sold you three timeshares in the past. Is this true, or are timeshares a bad idea? —Jeremy RAMSEY Dear Jeremy, A timeshare salesman said he had been my personal financial advisor? Wow! It takes real guts, and a bunch of dishonest nerve, to spread that kind of crap around. No, I’ve never in my life owned a timeshare. I’ve made just about every financial mistake known to man, except that one. I’ve also never made the mistake of having a timeshare salesman as my financial advisor. This sounds like the kind of guy who you know is lying if his lips are moving! I’m really sorry if your mom and dad already hooked up with this bunch. Timeshares, even with honest sales- Newlyweds buy house first year? Dear Dave, Why do you recommend that newlyweds not buy a house during the first year of marriage? —Laura Dear Laura, Believe it or not, the first year of marriage is pretty tough. You’ll both have to make lots of adjustments and Santa Shack Craft/Vendor Fair Set For Wakonda get used to the new schedules and habits, likes and dislikes, that go along with marriage. You need to spend that first year getting to know each other even better, and exploring and developing your relationship as husband and wife. Running out and buying stuff like curtains and furniture — or making major life decisions like buying a house — can wait. Devote the first year to deeper, more important things. In the process, make sure you’re on the same page emotionally and financially. Develop a plan to make your hopes and dreams come true, and start piling up a bunch of cash for the future. Then, a year or two down the road, you can start the house-hunting process. There will still be great homes at good prices, plus you’ll both have a better idea of what you want for the future! —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. MMC Club Supports Fine Arts Students WAKONDA — The 30th annual Santa Shack Craft/Vendor Fair will be held at the Wakonda School Gymnasium, 202 Nebraska St., Wakonda, Saturday, Oct. 15, running from 10 a.m.-3 p.m. For more information, contact Angie Logue at (605) 661-8517 or aklogue@yahoo.com. MOODY Marty College recently kicked off its annual membership drive for the Gregorian Club, the College’s fine arts fundraising efforts that raise scholarship funds for students studying or participating in fine arts areas. New this year, everyone is invited to join the Gregorian Club at the basic level for free, receiving a quarterly enewsletter with the latest news from Mount Marty’s fine arts departments. Members that join at the $125 and above levels, will receive the e-newsletter as well as numerous benefits, depending on the level chosen. For more information on the Gregorian Club, visit www. mtmc.edu/gregorian or contact the Mount Marty College Office of Advancement at 605-668-1542. MOTOR NIOBRARA, NE Patrick Hawk 251 Spruce Ave • Box 260 Niobrara, NE 68760 www.moodymotor.com pjhawk@hotmail.com (402) 857-3711 (800) 745-5650 Fax (402) 857-3713 TYNDALL RON’S AUTO DEALER FOR RANCHERS LIVESTOCK EQUIPMENT! GLASS We Supply & Install • Auto • Home • Commercial For all your Livestock Equipment needs, make the short drive to Tyndall Ace Hardware in Tyndall, SD. We have Bale Feeders, Bottomless Bunks, Windbreak Panels and Freestanding Corral Panels on hand. For a complete listing of equipment go to: www.rancherslivestockequipment.com. 605-589-4700 802 Main St. • Tyndall, SD Hours: Monday to Friday 8am - 6pm Saturday 8am - 5pm • Sunday 10am - 2pm 650-665-9841 www.ronsautoglass.com It’s fall, and time once again for the Chipper Invitational Golf Tournament here in the valley. You remember Chipper, Doc’s imaginary squirrel? The one who was imaginarily squirrelnapped? Doc named the annual golf tournament after good ol’ Chipper. The tournament is used to raise money for coats for kids who need them. And it’s only fit and proper it be named for Chipper, since the golf tournament itself is just about as genuine as the squirrel. There isn’t a real golf course here in the valley, you know. You have to go to the city for that. So Doc decided to just wander around with a shovel, digging holes here and there and putting flags next to them. The flags, in civilian life, sure look a lot like metal t-posts. Another thing that makes Doc’s tournament unique is that there is absolutely no way to practice for it. That’s because the “golf course” is usually laid out a day ahead of time each year, and every fall, Doc picks another spot for it. The holes are different, the fairways are non-existent, and the hazards … oh, the hazards. After the first tournament, when one of Harold Brewster’s cows got hit in the butt, there are no longer any four-legged ambulatory golf hazards. Farmers are allowed to move them, happily, into bomb shelters or corrals for the duration of the madness. But have you ever tried to hit a golf ball that parked itself beneath an old, rusty hay baler? Such things make the course … challenging? Yes, and fun. This year, Doc’s theme was what he called trans-oceanic. This means, in valley talk, having the tee-boxes on one side of Lewis Creek and the holes on the other. It will be interesting to see how many errant golf balls hit the tire swing at the swimming hole and vanish forever into the depths. Chipper would approve, I’m sure. Children’s gift idea: signed copy of “Ol’ Jimmy Dollar,” by Slim Randles. LPDPress.com. SDSU Cottonwood Field Day Scheduled Oct. 6 BROOKINGS, S.D. - The South Dakota State University Cottonwood Research Station Field Day will be held on Oct.6, with registration beginning at 8:00 a.m. A full day of informational and educational sessions will highlight work being done by SDSU researchers on a variety of range and animal health topics. Sessions will address heifer development and mineral nutrition, effects of cow nutrition on progeny performance and carcass traits, the importance of feed analysis for livestock diets, grassland recovery following drought, effects of grazing density on animal and plant health and the effects of grassland conversion to row crops on soil quality and crop production. During the catered lunch, speakers will address the topics of Agritourism and farmcations, as well as Mesonet tools for ag weather monitoring and decision making. The day’s presentations are geared toward farmers and ranchers of all ages. The cost of attendance is $15, which includes a light breakfast, refreshments, lunch, handouts and the full day of educational discussions. The SDSU Cottonwood Field Station is located at 23738 Fairview Road, Philip, SD 57567. The station is ½ mile south of US Highway 14, and 19 miles east of Wall, or 11 miles west of Philip. Contact David Gay, station manager, at 605.386.4445, or email Chris Graham for more information by email niGrow YOUR RADIATOR HEADQUARTERS! • Great Parts • Great Warranty On-Hand & In-Stock! NO WAITING! Cox Auto 1007 Broadway Ave. Yankton • 665-4494 Automotive Technician Moody Motor is currently looking to add an automotive technician to our service department. Please contact Matt or Alan if interested. 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