January 17, 2017 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Dissolve The LLC? Just be reasonable and use common sense. If you spend $3,000 to stay open, and you’re making $700, you’d dissolve it, right? But as long as you don’t have fees that are making you cringe, I’d probably leave it in place. —Dave By Dave Ramsey Dear Dave, My wife and I are debt-free, plus she has a business giving music lessons. We formed an LLC last year when she had several students and was making over $3,000 a month, but that all changed when our first baby arrived. Now, she has only a few students, and they bring in around $700 per month. Should we dissolve the LLC? —Ben Dear Ben, First, congratulations on being debtfree and new parents. Happy New Year to you all! In most states, the only upfront cost for an LLC is the money you pay for the initial set up. There may be a small fee for a business license and subsequent annual renewal, but that generally doesn’t add up to much. Then, there’s the money you pay for filing your tax return on the LLC once a year. Even if you live in a state where there are other fees to consider, as long as the cost of maintaining the LLC wasn’t killing you, I’d recommend keeping it in place. You went to the trouble of opening it, and you just might use it again someday. Even if your wife is staying home with the baby, she just might be able to take on more students again as time goes by. Dave RAMSEY Helping dad Dear Dave, My dad has been really bad with money his entire life. Anytime he would get into trouble, my grandparents would always bail him out. This time he came to my wife and I, asking for $350 to get out of overdraft at the bank. We’re trying to live on a budget and get control of our finances, and $350 would make things kind of tight at the moment. What do you think we should do? —Jeremy Dear Jeremy, I understand feeling an obligation to help your dad. But there’s a lesson here that dad needs to learn, and it’s something that goes much deeper than the money or helping out a family member. You have to do the right thing, no mat- ter how dad reacts to this. Right now, the right thing is taking care of your family and not putting them in jeopardy. So my answer to dad would be no. Another thing that needs to happen is for the definition of “help” to change. When you say he’s been irresponsible with money his whole life, giving him $350 won’t help — and it will make you an enabler. Just handing him $350 will actually hurt him, and it will give him the idea he can continue being dumb with money and hit you up for cash anytime. Like I said, I understand the pull of helping out a parent. So if you feel this is something you absolutely must do, I would advise making the $350 contingent on the fact that he begin and complete a financial counseling course. Be gentle when you talk to him, and let him know it hurts to see him struggling. But let him know, too, it’s his responsibility to work through his debts and take care of his own finances! —Dave Dave Ramsey is CEO of Ramsey Solutions. He has authored seven best-selling 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 the web at daveramsey.com and on Twitter at @ DaveRamsey. www.missourivalleyshopper.com Teaching Children About Service By Daris Howard A friend of mine, Richard, saw me and laughed. “Is this the new you?” I tried to act innocent. “What do you mean?” He laughed again. “Your eyebrows are missing, as is most of your hair. And you’re redder than a lobster.” I sighed as I thought about how I came to be in my current state. I always looked for chances to teach my children about community service, so when it was announced that there was a need for a volunteer to help maintain the church furnace, I was quick to sign up. Our old church had a coal furnace. A person had to make sure that the coal was raked down to cover the auger that fed the fire and also had to clean out all of the old clinkers. A few days before it was my turn to take over, I met Gary at the church. He was the man who was currently doing it, and I wanted to go through the routine so I could make sure I knew where all of the switches were and learn any other details. It had been a long time since I had removed clinkers from a furnace. Clinkers are the debris that is left after coal is burned. They look like strangely shaped rocks. If a fire has been burning, they will still be extremely hot. A person reaches into the furnace with a long metal rod that has a handle on one end and two pincers on the other. When the pincer end is over a clinker, he will twist the handle end, and the pincers will close, grasping the HAY Valley View Hay Grinding HEY Call Lindell Jensen at 925-4043 –Freeman HAY or (605)660-0869can grind it.” “If you can bale it, we Equipped with scale and magnetic system clinker. Then he can pull the hot clinker out of the furnace and drop it into a metal bucket. When I was a boy, we had a coal-fired furnace, so I had done this many times. Gary showed me the switches to shut down the auger and the blowers. The blowers blow air through the furnace to make the fire hotter and, in turn, put more heat into the building. It took a little practice to properly grasp the clinkers, but I quickly had the hang of it and soon had the furnace clean. I then restarted the auger and the blowers. After I had done this by myself for a few days, I decided it was time to teach my six-year-old son. I hoped he would learn community service by following my example. He was fascinated as we went down into the old furnace room. Everything was new and exciting to him. I told him our first job was to rake coal to the auger. I turned to grab a rake, and when I turned back, he was nowhere to be seen. I called his name, and he answered, calling back to me from the coal bin. We weren’t actually supposed to climb into the coal bin. We just reached over the short wall and pulled the coal down. By the time I got him out, both he and I were black from one end to the other with coal dust, and I knew my wife wouldn’t be happy. Next came the clinkers. I shut off the switch to the coal auger and pulled the handle down to shut off the blowers. My son intently watched the whole process. I then opened the furnace door and reached in to grab a clinker. As I did, I explained what I was doing. “Once I reach this into the furnace,” I said, “I turn the hanWhen I said “turn the handle,” my son thought I was telling him to do something. But the only handle he could see was the one that turned on the blower fans. So wanting to be helpful, he turned them on. When the air from the fans hit the inside of the furnace, a ball of fire shot toward me. Before I could extract myself, the fire, exacerbated by the coal dust all over me, took my eyebrows and most of my hair. As my thoughts returned and Richard grinned, waiting for my reply, I managed a weak smile and simply said, “It’s the look that comes from teaching a child about service.” 23 1/2 H.P Kawasaki, 285 Hrs. . 60” Rear Discharge Deck Excellent Condition! of Tyndall on Hwy. 50 Corner of Hwys. 50 and 5 miles West www.schuurmansfarmsupply.com 37 Ph. (605) 5 89-3909 or Cell (605) 464-1113 In Print and Online! • 665-5884 M I S S O U R I VA L L E Y “Tell you kids what,” he said, sitting down and cutting off their escape route, “there’s more to lifetimin’ than jest gettin’ married, makin’ a buncha money and bein’ a success. Yessir.” The kids had made the mistake of leaving the ice cream parlor by the side door instead of the front door, you see, and before they had a chance to yell “Incoming!” why … there he was … Windy Wilson. Some folks, you see, can’t live without food and water. Windy can’t live without an audience. “I knowed that there look on your faces when you heard me say that, yes I did. And you was thinkin’ solemnly to yourselves ‘Why’s Alphonse Wilson sayin’ stoopid stuff like that there?’ Well, why have a happy, successful life if there ain’t no fun innit? Tell me that? “Back a ways, afore you was born, there was a old timer named Jenkins lived up in the hills outa here. Oh, you heard a him? Sure you have. Know why? Cuz Jenkins was NOT married or rich or successful. But he shore as sugar had fun. Made hisself a legendary, histerical figurehead ‘round here, too. “Yessir, Ol’ Jenkins used to come into town and catch up stray cats, one at a time. Bought him some cat treats, you know. And then he taken the cat doo jury and’d teach it to jump. “Saw him do it more’n oncet, too. He’d sit that ol’ cat against his shins, like this, and hold his hands in front of the cat, and that there cat’d have to jump over his hands to get away. Then he’d give ‘em a cat treat. And each time he come to town, he’d make ‘em jump higher afore they got their treat. “Afore you knowed what was straight up, we had us a town plumb fulla jumpin’ cats. And they liked it, too. So the morale of this here story is, instead of just doin’ what you’re supposed to, think about doin’ somethin’ fun, too. Kinda puts the cherry on the whole brou-ha-ha, don’t ya see.” Get your display ad here! 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