November 15, 2016 • Page 2 shop online at www.missourivalleyshopper.com The Christmas Gift Dave Says Interest-only Triplex? Dear Dave, I’ve been out of college for a few years, and I have no debt. I’d like to start investing, so I’m thinking about buying a triplex, living in one of the apartments, and renting the other two. Should I get an interest-only loan for this? Chad Dear Chad, Never, ever get an interest-only loan! If you can’t make this idea happen on a 15-year, fixed-rate mortgage that Dave takes no more than 25 percent of your takehome pay, then you can’t afford this project. Think about this too. If you buy a complex and live on the property, you’ll have to set down and enforce some strict renter’s guidelines. Living with renters can be tricky, because they’ll have access to you 24 hours a day, and some of them will abuse the privilege. Then again, you’ll have that kind of access to them as well. Not exactly a bad thing when you have people living in a complex you own. Here’s an option. What if you just bought a nice, inexpensive single family home for yourself? You wouldn’t have the cash flow, but you will have the appreciation and a better chance of reselling down the road. Plus, if you want to invest further, there are always mutual funds. Real estate plans work out just like you want them to only about half the time. Don’t discount the risk and expense either! — Dave RAMSEY Taking the Trip By Daris Howard Dear Dave, I have to make a four-day business trip to Hawaii soon, and my wife would like to go along. It’s okay with my boss, as long as we pay her way, and I would love to have her along. It will cost about $1,500 for her to join me, and I make a little over $100,000 a year. We’re also debt-free, except for our home, and we’re working hard to pay that off as soon as possible. What do you think? Michael Dear Michael, If I were in your situation, and I told my wife I didn’t think it was a good idea or we couldn’t afford it, there’s a good chance I’d be sleeping on the couch for a month. Take your lady with you! You guys have a six-figure income, and you’ve got no debt but your home. So, a four-day trip to Hawaii for $1,500? Yeah, I’m definitely doing that. It sounds to me like you two have done a great job with your money. That being the case, you deserve a little fun — like a trip for two to Hawaii for $1,500. Even if you have to work, you’ll still have lots of time together, and she’ll be able to relax on the beach, swim and sightsee while you’re taking care of business. Have a great time, you two! — Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven bestselling books, including The Total Money Makeover. 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. SDHCA Dakota MasterWorks Local Winners Announced SIOUX FALLS — The SDHCA Daity, inspiration and talent.” kota MasterWorks Art Show held its Categories included watercolor 20th annual exhibition on Nov. 3-4 at painting, oil painting, acrylic paintthe Good Samaritan Society national ing, drawing/pastels, photography, campus in Sioux Falls. The show sculpture and wood carving. Age features art created by artists age Categories for the competition were 60 and older who are South Dakota divided into ages 60-79 and 80 years residents. This year’s show included of age and older. The show has been more than 190 entries, making it one recognized by the National Mature INTERESTED IN as THIS SPOT? of the largest Dakota MasterWorks 665-5884 to place an outstanding Media Awards your ad here. Call ever. community involvement project. Professional judges awarded First, Second, Third, Best of Show prizes for First, Second and Third and People’s Choice will be on Explace in each of seven categories and hibit at the Ramkota Hotel in Pierre Call 665-5884 to two age groups, as well as Honorablewww.missourivalleyshopper.com during SDHCA Legislative Reception place your ad of Show Mentions and Best here. winners. on Jan. 24. People’s Choice designations were The South Dakota Health Care Asawarded based on the votes of those sociation sponsors and coordinates attending the show. Artists ranged inwww.missourivalleyshopper.com the SDHCA Dakota MasterWorks age from 60 to 98 years old. Art Show. In addition, the show is “The SDHCA Dakota Masterworks supported by platinum level sponArt Show is about highlighting the sors Great Western Bank, KELOLAND remarkable artistic accomplishments Television and Golden LivingCenters; by older South Dakotans,” said SDgold level sponsors Welcov HealthHCA Dakota MasterWorks Art Show www.missourivalleyshopper.com care and Tealwood Senior Living; Coordinator LuAnn Severson. “Aging silver level sponsors Clarkson Health does not 665-5884 toup our creativ- Care, Westhills Village Retirement Call mean giving Interested in this spot? Interested in this spot? Community, Tieszen Memorial Home, Dow Rummel Village, Jenkins Living Center, the Evangelical Lutheran Good Samaritan Society and Fischer Rounds and Associates; and bronze level sponsors Sisson Printing, Mahlander’s Appliance and Lighting and Imagery Photography. Local winners include (listed by name, town, age category, medium, award and title): • Mary Ferwerda, Centerville, Experienced, Oil Painting, HM, “An Assorted Affair” www.missourivalleyshopper.com • Ruth Hanson, Hudson, Experienced, Watercolor Painting, 3rd, “Portals of Petals” • Carol Schoenfelder, Tripp, Visit our Web site at Experienced, Oil Painting, HM, “Blue www.missourivalleyshopper.com Bowl/Fruit and Wine” • Nancy Clay, Volin, Masters, Oil Painting, 3rd, “Long Shadows” • Sharon Koller, Yankton, Experienced, Photography, HM, “Eagle” Visit our My son, Scott, and his wife, Janalyn, lived with us for a while this summer after graduation. His job didn’t start until September, and it gave us a chance to get to know Janalyn. Our life was quite a bit different from how she grew up. She had never canned food before, and she soon learned the joy of home canned fruits, vegetables, jams, and jellies. We told her whatever she picked from our big garden, she could can, and we would even provide the bottles. While Scott worked at a job to make some money for their move, Janalyn worked hard canning dozens of jars of jam and fruit. By the time they packed the truck to move to their new life on in New York City, they had a lot of wonderful homegrown food to take with them. Recently, when we asked them what they wanted for Christmas, it was no surprise that Janalyn said she wanted a pressure canner of her own. We knew we couldn’t afford a new one of the quality we wanted for her, so we started looking for a nice used one. But she found one before we did. It was almost new and was about half price. The problem was, they had no car, and it was a couple of hours away by Light Rail and train. Scott, wanting to buy the canner for a Christmas present for his wife, got off work a little early Friday evening and boarded the Light Rail. After a couple of transfers, he reached the train station and rode the train to the desired destination. True to his word, the man selling the canner was waiting. Scott bought the canner and then looked at the train schedule and found out he had an hour and a half before the return train would arrive. The station was closed, so he set the canner on the ground, leaned against it, and started reading a book. It wasn’t too long before he heard a strong, commanding voice. He looked up and saw two police officers standing at opposite sides of him, each about fifty feet away. The officer spoke again. “Step away from the canner.” Suddenly, Scott thought about the Boston Marathon bombing and realized what this Christmas gift looked like. He stood and did as he was told. After checking his identification, one of the officers, who knew a little bit about canning, asked Scott some questions. Finally, satisfied that Scott was buying the canner for the purpose he claimed, he was allowed to go back to his canner, open it, and turn it so the officers could see it was empty. By this time a third officer had shown up, and not long after that the police commander arrived. This was more excitement than their little town had had in a while. Once everyone was satisfied that Scott was harmless, one of the officers informed him they also had the k-9 unit and the bomb squad ready and waiting not far away. The first officer apologized to Scott and said that their town had lost fourteen people in the 9-11 attack on the World Trade Center. “Everyone is really vigilant now,” the officer said. Scott said he didn’t mind. In fact, he was happy that they were so careful. The first two officers stayed with him until the train came. They even informed the conductor that Scott was okay and that his canner was okay, too. But Scott found that as he traveled, even though he left the lid off so everyone could see the canner was empty, no one trusted him. He sat at the back of the train and the Light Rail, and as people would come back and see the canner, they immediately went back to the front. Soon, no matter what he was riding, he had the whole back end to himself while the front was packed tight. He felt bad, and he understood how they felt, but he still had to get the canner home. Eventually, he arrived at their little apartment, and Janalyn was there to greet him with a hug. He told her the story. As he finished, he said, “I’m glad you like to can. But if we ever need a new pressure canner, maybe next time we’ll just order it on Amazon and have it delivered.” Web site at www.missourivalleyshopper.com place your ad here. ? Smile. Visit our Web site at www.missourivalleyshopper.com Interested in this spot? Call 665-5884 to place your ad here. Authorized Retailer YOU NEED IT TODAY? NO PROBLEM! FAX IT 605-665-5882 Missouri Valley Shopper 216 W. 4th St. • YANKTON,SD 605-665-5884 Jurrens Electronics Interested in 114 Main St. Avon, SD this spot? (605) 286-3630 Call1-888-873-7382 665-5884 to place your ad here. INTERESTED IN THIS SPOT? CALL 665-5884 TO PLACE YOUR AD HERE. HOLIDAY OFFERS EXCLUSIVE TO THE www.missourivalleyshopper.comOF THE YEAR MOST WONDERFUL TIME EXTRA 10% OFF TOYS & TOOLS AVAILABLE OCT. 1-DEC. 31 PLUS EARN REWARDS ON QUALIFYING PURCHASES OF TOYS AND TOOLS Earn A Case IH Reward Card on qualifying purchases of Case IH branded toys and tools made from Oct. 1, 2016 through Dec. 31, 2016. One Reward Card per household. SPEND $100 - $199.99 RECEIVE $20 Reward Card $200 or more finding the right Visit our job Web site at is easier www.missourivalleyshopper.com than you think “Shore is nice this time a-year,” Windy said, smiling at those gathered. “Minds me of years ago back, you know? When we was young.” Windy, visiting from the ranch, had pulled up a stool so he was partially blocking the hallway entrance – also known as the “escape route” down at the Rest of Your Life retirement home. This made it rather difficult for Mabel, who has to use a walker, and Pop Walker, who is on a cane on good days, and crutches when the weather gets cold. This was a crutch day. The only one ambulatory enough to evade the coming lecture was Minnie Perkins. No walker or cane or wheelchair. But that was okay, because Minnie smiles at everything and enjoys hearing others talk. Even Windy Wilson. She can’t remember what she had for breakfast, but who can? “Fall is plumb fell, yessir, that’s for certain sure,” Windy said, turning slightly and extending his legs to fend off any Stop searching. The crutch attempt. “You know, a-course, why the trees all turn Help Wanted section them pretty colors, right? See, Minnie does. 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Why, I betcha you remember when 6:00 p.m. until ?? it snowed here ‘long ‘bout Bingo – 7pm to 10pm county fair time …” Minnie nodded. Mabel Win HyVee Gift Card groaned. Pop fell asleep Oyster Stew - Beef Sandwiches while looking for the tv EVERYONE WELCOME! remote. Life can be interesting down at the Rest of Your Life. when you’ve got the right direction MV Shopper 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 PITCH PARTY $45 Reward Card If KAYTON INTERNATIONAL, INC. you read this you know... advertising pays! West Hwy. 275, Neligh 1211 W. 2nd, Crofton 2630 State Hwy. 14, Albion 402-887-4118 • 800-247-4718 402-388-4375 • 800-798-4376 402-395-2181 • 800-248-2215 18 Visit Us At: www.kaytonint.com Financing Available W.A.C. ©2008 CNH America LLC. All rights reserved. Case IH and CNH Capital are registered trademarks of CNH America LLC. 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