December 6, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Funding a New Business Dear Dave, We have three preschool grandchildren, and they get tons of stuff for Christmas every year. We’re in really good shape financially and would like to do something for their future this year instead of giving a toy that might get thrown in the corner. Do you have any suggestions? Valerie Dear Tyler, I hate to burst your bubble, but I’m pretty skeptical about this idea. I know it sounds good on the surface, but the problem is the vast majority of people don’t have the discipline to follow through Call 665-5884 to place is a ad places on a plan like this. Another issueyourlot ofhere. like this hit you with a fee when you pay off the card, the thing runs over, then you get another fee, and so on. I’d just call the manager out of his office and let him know that unless he discounts the entertainment center $600 I’m going to his competitor. No, there’s no way I’d take out a stupid credit card at this place whether I had the cash on hand or not. Tyler, you need to learn right now it’s a bad idea to play with snakes. Stop screwing around with debt products, okay? Everyone thinks they’re the exception to the rule or they’re somehow winning or getting rich by doing stuff like this, but it doesn’t work. They’re trying to hook you, man! — Dave Interested in this spot? INTERESTED IN THIS SPOT? Dear Valerie, 665-5884 to Call I’d do both. You don’t want to be those place only hand envelopes grandparents who your ad here. at Christmas to 4-year-olds. No, they need things to play with. They’re kids and they should be allowed to act like kids and be happy at Christmas. The good news is you can do both without spending an arm and a leg. In addition to a few special toys, perhaps you could work with their parents to launch Educational Savings Accounts (ESAs) for them. This would get their college funds started, and it’s what we do. We use mutual funds in their ESAs, where each child is allowed to have up to $2,000 contributed in their name per year. The beauty of the ESA with the mutual fund inside is that it’s growing completely tax-free. You have to name a custodian of the account until the child turns 18, and that could be you guys or their parents. Just make sure that together you don’t over fund Call 665-5884 to the ESAs and cause yourselves tax problems. Merry Christmas, Valerie! place your ad here. — Dave www.missourivalleyshopper.com Dave RAMSEY Interested in this spot? www.missourivalleyshopper.com * 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. www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com Snakes Interested in bite! this spot? Dear Dave, My wife and I are building a home, and we found a great entertainment center we both love. It costs Call 665-5884 to said $6,000, and the dealer he would give us 10 percent off if we take out a store credit card. place were wondering We have the cash to buy the piece, but we your ad here. if it YOU NEED IT TODAY? NO PROBLEM! FAX IT 605-665-5882 “WHEN I WAS LOOKING FOR A JOB, Missouri I PUT THE CLASSIFIEDS TO Valley Shopper WORK!” 216 W. 4th St. • YANKTON,SD 605-665-5884 My first wife came from a ranching family way back up in the hills of central California and had a cousin, Ted, who Interested in was a hounddog Our Help Wanted Listings Have this spot? man. This made him akin to Evel Knievel with pack of pooches. Hundreds CallOpportunities Of 665-5884 to place your aad here. I talked my way into hunting with him, of course. For You... All went well until we were on the way home, when a badger ran across the road and dove into a large culvert INTERESTED IN THIS SPOT? • Full-Time pipe. • Part-Time CALL 665-5884wow!” Ted yelled. “Let’s get him!” “Oh TO He released most of the hounds and they plugged the • Permanent PLACE YOUR AD HERE. culvert pipe with bawling insults. In the dead center of the • Temporary pipe was a snarling badger. “Gotta smoke him outta there,” Ted said, scratching his head as if in thought. I’d read about smoking things out. Davy Crockett, bears, that sort of thing, so I was eager to learn. Ted lit a cigar and handed it to me. “Now crawl in there and smoke that sucker out,” he said. “You sure?” 319 Walnut • Yankton, SD “How many badgers you hunted?” 605.665.5884 So I crawled into the pipe with the cigar in my mouth, puffing away and coughing, and the badger actually backed up a few steps. Then Ted released his old dog from the car. He screamed into the other end of the pipe and grabbed that 2008 Chevy Impala LS badger in the butt. All I could see were teeth and fur coming 3.5L, V6, Full Power, Tan my way. Interior, 116K, New Tires Using the cigar as an afterburner on my rocket-assisted A Great Buy At... retreat, I shot backwards out of the pipe and some 20 yards into the brush. Call Tony Now!!! The next day I ran into two old ranchers who looked at 665-3720 me kinda funny and then asked if I was the guy who tried to smoke out a badger with a cigar. The laughter hurt. My wife told me that, since I was now a bonafide member of the family, I could go hunting with Ted all the time. 605-665-3720 • Yankton, SD After the divorce.... www.missourivalleyshopper.com AFFORDABLE $5,595 Want your business to be seen? Get your display ad here! Call 605-665-5884 Or Drop By At 319 Walnut St. Kids Day Albion, Crofton, & Neligh Hot Chocolate SPECIAL VISIT BY Santa Claus Door Prizes • Reward Cards • Tractor and Combine Rides DON’T MISS OUT ON OUR SPECIAL OFFERS ON DECEMBER 14TH ONL Y 15 % OFF ALL Clothing & Toys KAYTON INTERNATIONAL, INC. 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 Visit Us At: think about the first words she learned was, “Do it self,” because that was what she always said. One time when we were at church, she was standing in front of the water fountain, which was about a foot above her head. “Do you want some help to get a drink?” I asked. “Do it self,” she replied. She thought and thought and considered all options but could not figure out how to get a drink. She finally let me lift her up to the water. But the minute I went to push the bar that made the water come out, she said, “Do it self,” and www.missourivalleyshopper.com pushed it on her own. In the church nursery, she was the same way. I opened the toy cupboard, and the toys were stacked on the shelves as they always were. at Visit our Web site “Which toy would you like, Millie?” I asked. www.missourivalleyshopper.com was a couple of feet above her She pointed to a bear that head. I reached for it, and she said, “Do it self.” I rolled my eyes but left the bear where it was and started to hand toys to the other children. Millie stood on her tiptoes, but she was still nearly a foot short of reaching the Visit our bear. The other children started playing with their desired Web site at toys while Millie stared at the bear trying to figure a way to www.missourivalleyshopper.com get it down. She took a small doll and laid it down on the floor stood on it. She still couldn’t reach the bear, and the doll underneath her feet rolled, and she fell. I reached down to help her up, and she said, “Do it self.” I sighed and let her stand up on her own. Millie looked around andVisit our little stick that the children used to make saw a a corral for the toy farm animals. She got the stick and took Web site at it over to the shelf and tried to reach the bear with it. She www.missourivalleyshopper.com waved the stick, but it was about an inch short. She thought for a minute and then went and got the doll again. She stood on it and waved the stick, barely touching the bear, but it was enough to unbalance it so it fell off of the shelf onto the floor. I smiled. I had to admit that Millie was quite innovative. Some of the other children wanted us to do everything for them, even what they could do for themselves. But Millie’s attempts at doing everything for herself taught her to think. I realized this even more as the weeks went by. I watched as Millie became more and more clever in her ability to do everything. A month or two later, I was standing by the water fountain lifting each nursery child up to get a drink. When Millie came, knowing her temperament, I waited for her to ask. But she didn’t ask. Instead, she disappeared into a nearby classroom and came out dragging a child-size chair. She scooted it up next to the water fountain, climbed on it, and got her own drink. She didn’t bother returning the chair, so I did, but I marveled at her ingenuity. Sometime later that day I ran into Millie’s mother. I told her what I had observed about Millie over the last few months and what I had recently observed earlier that morning. “Have you also noticed that none of her clothes ever match?” Millie’s mother asked. “I haven’t,” I replied. “But that’s probably because I’m a man and don’t notice such things.” Millie’s mother sighed. “Well, they never do match because Millie insists on dressing herself. I’m considering removing all of her shirts and blouses and replacing them. And you know what they will say on them?” “What?” I asked. “They will say, ‘Mom loves me, but I dress myself.’” SD National Guard To Support 58th Presidential Inauguration The South Dakota National Guard will send more than 150 Soldiers and Airmen to provide support to the 58th Presidential Inauguration in Washington, D.C., Jan. 20. They will join hundreds of National Guardsmen from 35 other states to assist the District of Columbia National Guard and federal and local law enforcement agencies in providing security, crowd control and traffic management of attendees and support personnel throughout the U.S. Capitol region. The Soldiers and Airmen are expected to be in the D.C. area for about a week to ensure safe and secure movement of civilians prior to, during and after inauguration events and activities. The inauguration event will be supported by service members from the Rapid City and Sioux Falls-based 235th Military Police Company, the Sioux Falls-based 114th Security Forces Squadron, one public affairs support specialist from the 114th Fighter Wing, and several medical support personnel from the Rapid City-based 82nd Civil Support Team and 109th Regional Support Group. Buy Local! Wednesday, December 14, 2016 3:30 to 5:00 pm Popcorn By Daris Howard Our neighbors have a little three-year-old daughter, Milwould be a good idea to get the card and use it for the entertainlie, who is very independent. She has to do everything herment center and Christmas gifts, then pay it off immediately. Tyler self. She has been that way since she could barely crawl. I Do both for Christmas Kayton International An Independent Child 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. Shop the Have a Great Day Classifieds! Sobriety Checkpoints Planned For December Along with everything else that is part of the holidays, the South Dakota Highway Patrol will spend time in December reminding people not to mix too much celebration with driving. The Patrol plans to conduct 21 sobriety checkpoints in 19 counties during the month. The checkpoints, held monthly in different counties, are designed to encourage people to not drink and then drive. December checkpoints are scheduled for the counties of: Brookings, Brown, Butte, Codington, Custer, Day, Gregory, Hughes, Hutchinson, Jackson, Jerauld, Kingsbury, Lincoln, Meade, Minnehaha, Pennington, Roberts, Spink and Yankton. The South Dakota Highway Patrol is part of the Department of Public Safety.