March 7, 2017 • Page 2 shop online at www.missourivalleyshopper.com Dave Says By Daris Howard What Will Won’t Work? Dear Dave, is a good start toward getting my credit back on track and taking When it comes to making a will, control of my finances? I make $50,000 a year, and I have $3,500 in would it suffice to sit down and write debt and $2,100 in savings. it all out on a piece of paper, then have Maria it notarized? Joyce Dear Maria, No, getting a secured credit card is not a good idea. Let me tell Dear Joyce, you a couple of things. Number one, your income is your most I would never advise someone to powerful wealth building tool. If you don’t have any payments, write their own will, unless, of course, you have the ability to build wealth and be generous. When you they’re an attorney in that state. Laws have debt, all you do is send money out the door to make paycan vary from state to state, and some ments. So, being in debt is a guaranteed way to stay broke. states may not look upon a document Number two, you can get a home mortgage with no credit score like that as being official under law. through a manual underwriting. Just make sure you have a good, Some even require witnesses, and a long history of paying other things, like your rent and utilities on Dave notary might not be good enough. time. You would also need to have all your debts paid off comIf you’re trying to save money by doing it pletely, and the accounts closed for at least six months. this way, I would strongly urge you to look I want you to become debt-free before you buy a home, Maria. I at involving a lawyer as an investment. In also want you to save an emergency fund of three to six months most cases, having a reputable lawyer draw up a legally correct, of expenses and a down payment before you buy a home. Buying state-specific will doesn’t cost a lot of money. At the very least, go a house when you’re broke and in debt is a really bad idea. online to USLegalForms.com. They have all kinds of state-specific — Dave legal forms, including wills. Your last will and testament is one of the most important legal documents you’ll ever be part of. Please don’t try to do this your- * Dave Ramsey is America’s trusted voice on money and busiself, Joyce. I’ve run into so many families who, in the midst of ness, and CEO of Ramsey Solutions. He has authored seven bestgrieving the loss of a loved one, were handed a handwritten piece selling books, including The Total Money Makeover. The Dave of paper that wouldn’t hold up in court. That kind of thing just Ramsey Show is heard by more than 12 million listeners each adds more stress to an already heartbreaking situation. week on 575 radio stations and multiple digital platforms. Fol— Dave Call 665-5884 at @DaveRamsey here. low Dave on Twitterto place your adand on the web at dav- RAMSEY Interested in this spot? INTERESTED IN THIS SPOT? eramsey.com. Not Ready for a House www.missourivalleyshopper.com Call 665-5884 to Dear Dave, I’m thinking about getting a secured credit card to help rebuild place your ad here. my credit score, because I’d like to buy a house. Do you think this Fort Meade OCS Program To Interested Temporarily Relocate To Camp Rapid in www.missourivalleyshopper.com this spot? RAPID CITY, S.D. - The South Dakota Army National Guard's Officer Candidate School program based at Fort Meade will be temporarily relocated to Camp Rapid from March-July, due to several construction projects in facilities used by the program. Members of the Rapid City community who live Call 665-5884 to or work in the vicinity of Camp Rapid may notice an place your ad here. increase in noise level associated with OCS program ceremonies, traditions and training events. The public can expect to hear Reveille and Retreat music to be played at 7 a.m. and 5 p.m. on the weekends Interested durof April 8-9; May 6-7; and daily from June 3-July 29in ing OCS's accelerated program. The playing of Retreat this spot? at 5 p.m. will also be accompanied by loud simulated cannon fire. Call 665-5884 to Throughout July, the public can also expecthere. place your ad to hear simulated small-arms fire and explosions as part of OCS training at the West Camp Rapid training area west of Stevens High School. This Saturday is special to me, because for one day each year, I get to let the years fly behind me and become someone else. Back on this special Saturday in 1973, you see, I was Number 37. I had the Number 37 bib pinned on my parka that early morning at the baseball diamond in Anchorage, and I was just one of many dog mushers starting the very first Iditarod Dogsled Race to Nome. I also get to be someone else on Saturday, too. The guys called me Seven-Dog Slim, because that was how many I had in front of that sled, and I had to borrow a house pet and bail another out of the pound to get seven of them. Seven dogs, you see, was the minimum number you had to have to compete. And, since the other guys had more dog food than I did, they had more dogs, as well. Most of the teams were in the 10 to 14-dog vicinity. This made me the equivalent of the driver VW Bug in the YOU NEED IT of ato nine dogs, soIndy 500. Later, they upped the TODAY? NOI guess I’ll always be the only PROBLEM! minimum idiot to start out on the Idiot Road with seven dogs. But I was IN the Iditarod … the race Joe Redington, Sr. worked so many years to establish.ANKTON,SDa few of Missouri Valley 216 W. 4th St. • Y I was among the homesteader types605-665-5884woods and actually who lived in the used a dog team for transportation. Our cabin was more Tuesday, March 7, 2017 • 7-8 p.m. than 12 miles from where we parked the car, you see. So the Renee Becker dogs were not only part of our happy little Alaska Bush famUtica School Interested in this but hauled in the groceries … and dog food. ily, spot? Utica, SD 57078 So how did I do? Well, I crushed an ankle several hun605-661-4965 665-5884 to place yourmileshere. 1,000-mile race and got airlifted back to Call dred ad into the the hospital. For the purpose of electing: So Saturday I’ll wear the gold-colored parka I wore 44 1 Supervisor (3-year term) INTERESTED IN THIS ago, and once again I can be Seven-Dog Slim for a day. SPOT? years 1 Clerk & 1 Treasurer (1-year Terms Each) Here’s to CALL 665-5884 TO the mushers on trail. Packed trails and fast PLACE YOUR AD HERE. dogs, my brothers and sisters. 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Overall Size: 32.4” - 51.2”(Wide) x 21.1”(Deep) x 34.2”(High) I sat down to read my email on the first day of winter semester. “Professor Howard,” one of them read. “My name is Shanae, and I am in your math class. I won’t be there today. I hope you won’t drop me from your class. I’m not sure when I will get there. We had a family emergency. I don’t have any clothes or anything to wear. I know this isn’t making sense, but it’s a long story. I will explain when I get there. I’ll try to get there as soon as I can.” I have received a lot of strange emails from students over the years, and each time I do, I can hardly wait to hear the explanation. It was almost a full week after the semester started before Shanae arrived. She came to class and asked me what seat was available. I pointed out the only one that was left. She sat down, and we started class. “Shanae,” I said, “I had all of the other students introduce themselves the first day, but you weren’t here. Would you mind taking a minute to tell us a little about yourself?” Shanae nodded and rose to her feet. She told us the basic things. She was a freshman, hoping to major in nursing. She told us the town she was from and a few other interesting facts. “You are starting class almost a week late,” I said. “You wrote that the reason you’d be late coming to school was a long story. Is it something you can share with us?” She smiled and nodded. “It’s an interesting story, and it might sound a little strange. You see, my family lives on a ranch which takes up most of a small valley. Our nearest neighbor lives about a mile away. We have to go about forty miles to the nearest town to buy groceries and stuff like that. “On the other side of the mountain from where we live is a big ski resort. On winter nights, it lights up the sky above www.missourivalleyshopper.com the mountain. In the winter, almost everyone gets part time jobs in town to help support the influx of people coming to the ski resort. My dad works on the ranch in the summer, but in the winter he works in town at a sporting goods store. Visit our Web as at My mother workssite a waitress in a restaurant for the breakwww.missourivalleyshopper.com fast and lunch shifts. “Every morning we would all get up and drive to town, and we kids would go to school while Mom and Dad worked. But since I graduated last spring, I got a job this winter working at the restaurant with Mom. “Just a Visit our of days before I was to come here, my couple dad picked upsite at and me after work, and then we picked Web Mom upwww.missourivalleyshopper.com from school. When we got home, my brothers and sister we found our home had been blown up. Everything was destroyed; our clothes, furniture—everything.” The class gasped. “What happened?” a boy asked. “We wondered that ourselves,” Shanae said. “But we didn’t know. The sheriff and the county investigator came, and at first they assumed it was a gas explosion from our Visit propane tank. our then the investigator found evidence But Web site at of something. It was a mortar shell. Our house had been www.missourivalleyshopper.com bombed. The sheriff figured it had been done on purpose and asked us questions about whether we had any enemies, or if anyone who would want to kill us. It was scary. We drove back to town and got a hotel room. We didn’t dare let anyone know where we were except the sheriff and the investigator. “We were nervous about going to work or school the next day, afraid that whoever wanted to kill us would come back. But then the sheriff came to the hotel. He said he had found out it was an accident. “An accident!” a girl in class said. “How does someone blow up your home with a mortar shell and claim it was an accident?” “Well,” Shanae said, “it appears the ski resort was firing mortars onto the hillside to trigger avalanches to make skiing safer. The idiot firing them happened to aim one too high, and it went over the mountain.” Entertainment & Dining Call or go online to browse, buy or sell! Lunch will be served in Lesterville, March 9th from 11 a.m. - 1:30 p.m. Misfire www.missourivalleyshopper.com Specials! Call 665-5884 to place an ad. Shrimp ................................................................. $12.95 Hamburger Steak (mushroom gravy) ....... $12.95 www.missourivalleyshopper.com Call 665-5884 to place an ad. 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