Call 665-5884 to place your ad here. June 6, 2017 • Page 2 Dave Says Buy Leased Building? Dear Dave, I’ve operated my own small business for a couple of years. In that time, I’ve been leasing the building that houses my company. How do you know when the time is right to buy a place and stop leasing? James Dear James, I’m a big fan of leasing the first few years after starting your own business. It’s even better if you can work out of your home, but I understand Dave that’s not always practical. In my mind, you should only buy a building when you have a good idea what your building needs will be from a solid track record. Growth is a good thing, but in some cases you may want to hold off buying a building if you’re growing too rapidly. Don’t make the mistake of focusing too much on real estate and not enough on generating revenue and managing your growth intelligently. You would also want to make sure you’re going to be in anything you buy for a while, because you don’t want to be stuck with a residual value. A residual value is the remaining value of an asset after it has been fully depreciated. In the first three to five years of starting your business, you should lease. After that, you can choose to lease with an option to buy or, in the right situation, buy a building — debt-free, of course. — Dave RAMSEY Interested in this spot? while continuing my studies full-time and attending career-relatCall 665-5884 to ed events. We live in an area where theplace your ad high, so I’m cost of living is here. not sure how to handle all the facets of this situation. Joel www.missourivalleyshopp shop online at www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com No Good Deed By NEED ITHoward Daris TODAY? Dear Joel, YOU NO PROBLEM! I think out of three things – school, work, and where you live – you need to decide which is your number one priority. If it were My wife, Donna, had a women’s conference, and I was me, school would come first. going We had Missouri Valley to be watching the children. ANKTONbeen busy with In order to go to school without borrowing money, you’re go216 W. 4th St. • Y ,SD ing to have to work. Getting out of school on time, and attending springtime, trying to get the garden planted, so she hadn’t 605-665-5884 some of the events that will take you toward your career, will pre- had a chance to make bread. empt work. You’ll have to work enough to pay for things, but if “That’s okay,” I said. “If there’s one thing I’m an expert you can finish school and hit your academic and graduation goals at, it’s making bread.” while staying at home a little bit longer, that’s a pretty good deal. Interested in this That’s actually true. In the years before we married, spot? It’s a nice thing your parents are offering, but I can understand when I was single, I was an excellent cook. My mother had your desire to be out on your own. Call 665-5884 to place taught me how to I want you to be out on your own as soon as you can, too. But your ad here. make quite a few things before I headed if you do that right now, you’re going to have extra bills and be off to college. Donna’s mother, on the other hand, wouldn’t forced to work even more. That’s going to disturb your entire let anyone else in the kitchen, so Donna and her sisters INTERESTED hadn’t learned. school process. Guess what your number one priority was in IN THIS SPOT? However, after we married, Donna became that scenario? Moving out! If it’s the tail that’s wagging the dog, it an excellent cook. CALL has become the number one priority. If it’s disrupting work, and 665-5884 TO PLACE YOURDonna headed off to her women’s conference, and I set AD HERE. thereby disrupting your academics, then you’ve put your priori- about running the house. I finally had all of the children fed ties on the wrong thing. In my mind, the number priority should be finishing school on breakfast, so it was time to make bread. As much as I like time, and attending as many connected events as possible. Mean- bread, I like rolls more, so I thought I would make some rolls while, you’re working so much that you’re able to continue doing instead. I set out the roll recipe. It said it would make beall this debt-free. If that means you’re staying at home a little bit tween one and two dozen. I thought I ought to double it. longer to pull it off — do it! I pulled out all of the ingredients. I warmed the milk and — Dave water and was just about to add the cup of sugar when one FAX IT 605-665-5882 Shopper 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 Dear Dave, Ramsey Show is heard by more than 12 million listeners each I work weekends while attending college full-time. My parents week on 575 radio stations and multiple digital platforms. Folhave been generous enough to pay for most of my school expens- low Dave on Twitter at @DaveRamsey and on the web at daves, and they let me live at home while I complete my degree. Still, eramsey.com. What’s Your Priority? I’m trying to figure out how to move out and continue working, Steve waited until all the horses went through the sale Saturday morning (I mean, you never can tell when the world’s perfect horse will be sold for a buck and a half, which was about what he was carrying). Then, when they started on the cull cows, he looked at his companions questioningly, and they nodded and rose en masse and walked out into the yard. Dud was there, and Doc and Herb, and their dogs, of course. But it was Steve who called the hunker. He looked around for just the right kind of stick. You know, about finger thick and maybe a foot long. He found just the right one lurking over by a dead pickup truck and stripped the leaves from it. Then, as he looked around on the ground, so did his three companions. They each picked up a straw left behind by an ancient bale of bedding, and stuck them in their mouths. Calling a hunker, each knew, meant that the caller had something important to say to his friends. It’s a ritual that must be respected. You could call it the Cowboy Camp David, maybe. But most people don’t. At any rate, Steve’s been around a good long time now, but has yet to reach retirement age, so maybe the wisdom of a working cowboy will be worth some temporarily aching knees. Like a brood mare looking for a birthing bed, Steve scuffed his boots in the dirt and turned slowly. To do it right, of course, the hunker must take into account the position of the sun and the distance below their boot soles to the seasonal water table. Satisfied at last, Steve dropped into a hunker, and his pards followed suit, amid groans from Doc and Herb, whose knees weren’t quite as young as the other two. And then Steve took the stick and doodled in the dirt there between them. They looked to see if the doodle would give them a clue to the subject du jour. Nope. Finally, Steve said, “You know, fellas, I been thinkin’…” He looked up into each of their eyes. Wisdom’s about to happen. “Occurred to me that if each of us in the whole world had a horse to feed and care for, it would solve the problems of unemployment and war.” They all nodded because their knees ached and it was time for coffee. Don’s Dust Control • Horse Arenas • Private & Commerical Drives • Unpaved Roads • Grain Elevator Access • Free Estimates 605-491-2133 Just in time for Father’s Day HURRY, THE FATHER’S DAY PROMO ONLY LASTS JUNE 13-18, 2017. 7-17, 2016. HD-100 Biggest Sale Of The Year! St. Benedict Parish Rummage Sale & Bakery HDX-150 1500 St. Benedict Dr., Yankton (1 mile west of Walmart & 1 block south) HD-200 Available in 3 Sizes and Colors!! HDX-250 KAYTON INTERNATIONAL, INC. 2630 State Hwy. 14 1211 W. 2nd West Hwy. 275 Albion, NE Crofton, NE Neligh, NE 402-395-2181 • 800-248-2215 402-388-4375 • 800-798-4376 402-887-4118 • 800-247-4718 For more info., stop by Kayton International or visit us online at www.kaytonint.com Wednesday, June 7th 8AM-8PM Thursday, June 8th 8AM-8PM Friday, June 9th 8AM-12PM •Red Hat Items •Lots of Sizes Up to 3X •Depression Glass 30+ Pieces •Lots of Antiques •Sporting Equipment •Holiday Decor of my daughters came in and wanted some help fixing her dolly, whose arm had fallen off. I fixed the doll’s arm and then went back to cooking. I wondered what ingredient I was on, the sugar or the salt. It said a half cup of sugar and a teaspoon of salt. I had just remembered I was on the sugar when another daughter came in and wanted to show me a picture she had drawn. I’m not sure what it was, but it was colorful, and I complimented her on it. She left, and I went back to cooking. I was doubling the amounts in my mind, and I hurried to add the next ingredient before I was interrupted again. I doubled the half cup and put in one full cup of salt. I had no sooner done that when I realized it was supposed to be a cup of sugar and two teaspoons of salt. I looked at the ingredients I had already combined, and I knew I could throw it away and start over or I could just increase everything. I was determined not to waste a cup and a half of milk, so I found a conversion chart. One cup is equivalent to forty-eight teaspoons. I would need to increase everything to forty-eight times normal. I would need to add sixty-nine more cups of milk. With sixteen cups per gallon, that would be more than four gallons. I checked our fridge, and we barely had enough milk. I found our largest pan and warmed the milk. I found a supersize mixing bowl reserved for family reunions and started mixing. When I began adding flour, the bowl was about to overflow, so I had to separate it into other bowls. I finally had it all mixed, and I started rolling out the dough. By noon I had cooked quite a few batches, but I still had pans full of dough. By evening I had cooked most of the rolls. About dinner time Donna called to see if I needed anything before she left town. “Yes,” I replied. “We need milk.” “I thought we had plenty,” she replied. “I had to use some to make rolls,” I said. She seemed doubtful, but said she would stop at the store and get some. When she finally got home and walked into the house, she gasped. Just about every inch of counter space was covered with piles of rolls. She looked around and asked, “What happened?” I explained about the salt, and she laughed. “You were afraid to waste a cup and a half of milk and a little salt?” She wanted to know how many rolls I had made, so we started counting. We gave up after we had counted sixty dozen. After we had packed almost fifty dozen into our chest freezer, Donna sighed. “Next time,” she said, “just forget about the cup and a half of milk and start over.” Visit our Web site at www.missourivalleyshopp