Ocober 11, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Cash Flow School? Entertainment SOUP KITCHEN Sunday, October 16 th 11AM TO 3PM Lesterville Community Hall Menu Includes: Chicken Noodle Soup, Vegetable Soup, Chili Soup, Hot Dogs, Taverns, Chicken Salad Sandwiches, Kolaches, Pie & Desserts Raffles • Cake Walk • Fish Pond • Bingo Sponsored by St. John’s Catholic Church Why Save Before Paying Off Travel Medical Insurance? Dear Dave, My wife and I are on Baby Step 2 of your plan, and I’m in graduate school while working full-time. We’re trying to cash flow my education from this point forward Dear Dave, after previously taking out student loans. My fiancée and I are planning a Caribbean honeymoon cruise after Our household income is $90,000 a year, our wedding. Do you think it would be a good idea to purchase travel and we have a car payment. Are we tak- medical insurance? ing the correct approach to handle all this Tim responsibly? Dan Dear Tim, Normally, I would say travel medical insurance falls into the gimmick Dave category. But if you’re concerned about it, I would suggest doubleDear Dan, I love this approach and the fact that you’re checking your current policy through your provider to see exactly willing to work hard and be disciplined to what you’ve got and how far it extends in terms of coverage compared make all this happen. At this point you just need to lay your finances to any risk factors you may be facing. out and crunch the budget numbers as to what tuition and school are The only reason I can think of as to why your current health insurance wouldn’t cover you is that you may be out of the country during porgoing to cost between now and when you graduate. Your first goal is to do no more harm, meaning that you graduate tions of the cruise. In most cases and areas, I believe, out-of-network and finish this degree without taking on any more debt. I think beyond considerations will still apply in the Caribbean. But check with your that, and I don’t know what you’re paying for the school, you should insurance company for verification and details on that, too. have some money beyond that to work your debt snowball. Don’t beef I’ve never bought travel medical insurance, and we’ve gone on two up the payments on your debt so heavily that you use up money that cruises already this year. Just do your homework ahead of time, and you’ll need for tuition. Getting though school will slow down your debt make sure you’ll have the coverage you need in the locations you’re snowball somewhat, but that’s okay. This is a worthy cause, and you’re going. Congratulations, Tim! approaching it the right way. I just don’t want you to get so excited and — Dave gazelle intense about paying off your debt that you end up borrowing * Dave Ramsey is America’s trusted voice on money and business, for tuition. Congratulations on being really smart with your finances and your and CEO of Ramsey Solutions. He has authored seven best-selling education. It’s a really neat idea, and you guys are going about it in books, including The Total Money Makeover. The Dave Ramsey exactly the right way! Show is heard by more than 12 million listeners each week on — Dave 575 radio stations and multiple digital platforms. Follow Dave RAMSEY on Twitter at @DaveRamsey and on the web at daveramsey.com. Fall 2016 15 DISCOUNT DAY SAT. OCT. 15 TH % ONE DAY ONLY OFF REGULAR PRICED ITEMS - EXTENDED HOURS Saturday, OCT. 15th Only! 8AM - 8PM DISCOUNT APPLIES TO NEW LAYAWAYS! No Discounts on Previous Purchases, Gift Cards, or Special Orders. Subject to Stock on Hand. We reserve the right to limit Quantities. THE FOLLOWING ITEMS ARE NON DISCOUNTABLE: Gift Cards, Weber, Keurig, Snow Throwers, Holland &?Green Egg. For a complete non-discountable list, please see sales associate. A SELECT GROUP OF ITEMS ARE DISCOUNTED AT LESS THAN 15%. ALL DISCOUNTS ARE TAKEN FROM REGULAR PRICE. SEE STORE FOR DETAILS. May not be used in combination with Bomgaars First Purchase Coupon. Resale purchases excluded. VISIT THE BOMGAARS NEAREST YOU! Go to www.bomgaars.com for Locations, Hours &?Phone Numbers Serving the Midwest to the Rockies!