January 31, 2017 • Page 2 shop online at www.missourivalleyshopper.com The Avid Scouter Dave Says Run From That Guy Dear Dave, My husband was recently laid off, and he has $229,000 in a 401(k). He has been told that he should roll it into a hybrid annuity. Is this a good idea? Durnae Interested in this spot? Dear Durnae, Absolutely not! 665-5884 to like Call It sounds to me he’s been talking to an insurance place your ad here. agent instead of an investment adviDave sor. There’s no reason to put a 401(k) into an annuity. Annuities are there to protect money, as it grows, from taxes. Well, guess what? The 401(k) is already protecting it from taxes. I would roll it into a traditional IRA in a series of growth stock mutual funds. You’ll have half the fees, the advisor won’t make anywhere near the commission he’d make on an annuity, and you’ll get much better results in the end. Yeah, I definitely wouldn’t go the annuity route. I don’t have a single annuity, and I’ve got a lot of investments. One of the reasons so many “advisors” push annuities is because they wind up with bigger commissions. Annuities aren’t evil or anything, but they’re definitely not the proper product for you in this situation. Get away from the guy who gave you this advice, and find a good Call 665-5884 to financial advisor — not an insurance guy — with the heart of a place your ad in helping teacher. You need to talk to someone who’s interested here. you two plan for your future, not theirs! — Dave RAMSEY Interested in this spot? By Daris Howard Dear Chris, I’m really sorry to hear you’re facing this. You’re a smart, brave young woman to be looking ahead and making plans for the coming years. I suggest you read a book by Dan Miller called 48 Days to Creative Income. Dan is a friend of mine, and he also wrote a popular book titled 48 Days to the Work You Love. The issue you’re talking about is very close to his heart, and Iad here. books will be a Call 665-5884 to place your think his great help to you. There’s also a book by Richard Bolles. It’s called Job Hunting for the So-Called Handicapped or People Who Have Disabilities, and it’s full of ideas to help you work around the issues you’ll be facing. There are lots of people out there — well-known, highly successful folks — who have disabilities and still make good money and have rewarding lives using the principles found in these books. Another great piece of news is it sounds like you have a wonderful support system around you. God bless you all, Chris. I’m praying for you. — Dave INTERESTED IN THIS SPOT? www.missourivalleyshopper.com 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. Jobs From Interested in Home? Dear Dave, this spot? I’m 37 years old, married with two great kids, and I was just diagnosed with multiple sclerosis. I’m trying to plan for the future, and I was wondering if you have any suggestions for work at home Call 665-5884 or self-employment ideas for people with disabilities. to place your ad here. Chris www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com YOU NEED IT TODAY? NO PROBLEM! FAX IT 605-665-5882 Missouri Valley Shopper 216 W. 4th St. • YANKTON,SD 605-665-5884 Delbert McLain came by to have “Of course not, Steve! I mean, we coffee with us the other day. He’s our need to hold a liar’s contest!” chamber of commerce, you know. DelDead silence. All eyes on Delbert. Interested in this spot? bert’s mission inn life seems to be to He looked around at all the solemn Call promote our little valley into becom- 665-5884 to place your ad here. faces. ing so important and prosperous that “You know what I mean …” we won’t want to live here anymore. More solemnity. INTERESTED IN THIS SPOT? But he does try hard, and we “It could really draw crowds.” admire that. Then Doc,CALL unofficial spokesour 665-5884 TO “Got an idea, guys,” he said. He man becausePLACE YOUR AD HERE. he has more degrees swept his necktie out of the way so than a thermometer, spoke up. he wouldn’t accidentally butter it. “A “And just who would the liars be?” contest.” “Well … you know, like Steve here. “Like the knife-sharpening contest Remember Steve when you said you you thought up, Del?” once rode a bucking horse while sit“No, Doc. That didn’t pan out. See, ting backwards on it? Things like that.” what I’m thinking is, we should play “I did that, Delbert,” Steve said. to our strengths here. You know, delve “I saw him do that,” Dud said. into our plusses, put our minuses on a “Oh. Well, Dewey once told me shelf somewhere, and show the world he’d put a cow into the branches of a what we do best!” tree. We could start off with something “Drink coffee?” like that.” www.missourivalleyshopper.com “Three of us were there when Dewey did that,” Steve said. “Ran that cow off a little bluff. We had to cut the tree down.” Delbert sipped his coffee and ate a slice of toast. He’d forgotten to put any jelly on it, too. “Doc’s squirrel?” Delbert said. Now Doc’s fictitious squirrel, Chipper, was a lie. But it was the kind of lie that takes on a life of its own until … well … “You talking about Chipper?” Dud asked. “If that’s his name,” Delbert said. “How is ol’ Chip, anyway, Doc?” asked Steve. “Doing okay. Sleeps a lot these days. Hibernation, you know.” Delbert left a tip and got up to go pay. They waited until he was gone before laughing. Delos was an avid scouter all of his life. From the time he turned twelve and joined his first Boy Scout troop, he never missed a campout. Even after he moved into the group of older boys, he still volunteered to go on the campouts with the younger scouts. He was only seventeen when he was asked to be the Assistant Scoutmaster. He happily agreed. The boys loved and respected Delos, partly because they knew they were important to him. He expected a lot of them. He not only insisted they know their knots, but he also taught the boys to survive under any circumstance. There were a few times when the boys claimed the skills that Delos taught them had saved them. www.missourivalleyshopper.com But then came the Japanese bombing of Pearl Harbor, and soon Delos’s number came up for the draft. But the problem was that he was not the only one being called away. Almost all of the men were drafted. The scouts would have no oneVisit our be theirat left to Web site Scoutmaster. Delos went away to basic training. As he marched, www.missourivalleyshopper.com drilled, and did calisthenics, he thought of the boys in his troop. There was no one there teaching them to tie knots, no one taking them camping, no one to eat the burned food they made, and no one to sit around the campfire and tell them stories. As he was approaching the end of the first part of training, Visit our were told they were going to receive a the men Web site only for one long weekend, and then they short leave. It wasat www.missourivalleyshopper.com had to be back for more training. Most of the men just planned to go to the nearby town and live it up, but Delos decided on another plan. Late Thursday night he called home and told his family to have the boys meet him at the train station with their packs and camping gear. He then left to board the train home. He traveled all Visit our the night, arriving at the train station in through his home community early Friday morning. Web site at Delos wasn’t sure everything would work out, or if the www.missourivalleyshopper.com boys would even be there, but when he stepped off of the train, there were the boys with their packs and gear, along with the one thing Delos never went camping without, his guitar. There were also community members there ready to drive the troop members to the designated campsite. Off they went into the woods. They had the usual burned food and sat around the campfire telling stories. The boys listened intently as Delos told them about basic training and shared his love of country. Then Delos pulled out his guitar and sang patriotic songs. He also sang “I Am My Own Grandpa” and other oldtime favorites. All too soon it was Saturday evening, and the community members were back to take them home. The boys all loaded into the cars, tired, dirty, and happy. Delos rode back to the train station where he was able to enjoy a visit with his family before it was time to board the train back to the base. Delos, once more, rode through the night to get back. As he walked into the barracks on Sunday evening, most of the men were still nursing hangovers. When Delos sat on the edge of his bunk, one of the other soldiers sniffed the air. “Is that you that smells like a campfire?” the soldier asked Delos. Delos smiled and nodded. “I rode the train home and took my scouts camping.” “That’s crazy,” the other soldier said. “You could have been out drinking and having fun.” “I was having fun,” Delos said. “But while I was having fun, I was also making men out of boys, and there’s nothing better than that.” Check out the for great specials at your local restaurants! Sick Of Winter? We’ve Got You Covered! 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