June 13, 2017 • Page 2 shop online at www.missourivalleyshopper.com Vote of Confidence Dave Says What To Do With The Leftover? Dear Dave, When you use the envelope system, what should you do with any leftover Dear Dylan, money? Technically, you wouldn’t be rolling it into an IRA. You would cash it out and use the money to establish a Roth IRA. And yes, I Mandy would do that. It was very kind of your grandparents to buy you a gift like this, Dear Mandy, My suggestion would be to carry it but I think you can do better. You didn’t mention an amount, but over to the next month. Lots of folks let’s say you’ve got $10,000 in that company’s stock. Now, would don’t use all the money in their cloth- you buy the stock if you had $10,000 sitting on the table? Most ing envelope during a month. There’s people, myself included, would say no because there’s too much nothing wrong with letting a little ex- risk. I wouldn’t advise having the majority of your wealth — the tra build up in one of your categories if highest percentage of your net worth — tied up in one single comyou don’t spend it all in a given month pany. That’s bad news. Call 665-5884 to place your the money So yes, I would sell that stock and usead here. to fund a Roth or two. Dave You should be hitting the budget pretty IRA or multiple Roth IRAs. I invest my Roth IRA money in mutual close each month on categories like food. funds that have a solid track record of outperforming the S&P 500 Getting out of debt and managing your mon- for 10 years or longer. ey wisely doesn’t Call 665-5884 to If you — Dave mean going hungry. do end up with a little left over in the food envelope, treat yourplace your ad here. self to a nice dinner out, or buy something that’s food-oriented. But it’s okay to carry a few categories over from month to * Dave Ramsey is America’s trusted voice on money and busimonth. Just make sure you don’t get crazy and blow that money ness, and CEO of Ramsey Solutions. He has authored seven beston something outside the intended category, or on stuff you re- selling books, including The Total Money Makeover. The Dave ally don’t need. Ramsey Show is heard by more than 12 million listeners each — Dave week on 575 radio stations and multiple digital platforms. Fol- RAMSEY Interested in this spot? INTERESTED IN THIS SPOT? www.missourivalleyshopper.com Interested in this Too Much Risk spot? Dear Dave, I have some company stock my grandparents bought for me years ago. Would be a good idea to cash out the stock and roll it into an IRA? Dylan Call 665-5884 to www.missourivalleyshopper.com low Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. www.missourivalleyshopper.com place your ad here. Meth Changes Visit our Web site at www.missourivalleyshopper.com Everything Campaign Reaches 10,000 Participants FAX IT 605-665-5882 Interested in this spot? Call 665-5884 to It was the kind of picnic he’d remember for ad here. place your quite a while, he knew. It didn’t take place at the village park, where folks would normally go, but down along Lewis Creek. There weren’t any tables there, or fire rings, or reYOU NEED IT TODAY? NO PROBLEM! strooms. It was just a grassy patch down along the creek. But when the Delgado family invited him to the picnic, he accepted and bought some soda pop for the kids. Jaime Delgado spread the blanket out and his wife, Maria, opened Valley Missouri 216 W. 4th St. • YANKTON,SD the basket. 605-665-5884 PIERRE S.D. – The Department of Social Services’ The kids were called back from tossing rocks in the ‘Meth Changes Everything’ awareness campaign has creek. It was almost like having a family of his own. He hadn’t had one for years now, and, at 35, he missed having given presentations to over 10,000 South Dakotans. someone in his life. But he just didn’t know what to say to thisOver the last eight months, the ‘Meth Changes Interested in spot? Everything’ campaign has been visiting schools and people. Call 665-5884 to place your ad here. the state to provide education and He wanted to, but every time he tried to join the concommunities across versation, he locked up. This made it very difficult to get information about meth use in South Dakota. Prevention to know people, of course, but he kept trying. He went to Resource Centers have completed 245 presentations INTERESTED IN THIS SPOT? counseling once. But only once. She was a nice lady, but since September 2016 and will continue to be available to she kept asking personal questions, and he decided he CALL 665-5884 TOcommunities upon request. schools and didn’t really want to answer them. PLACE YOUR AD HERE. “Meth is a highly addictive and dangerous drug,” said It had cost him $75, but at least he could cross that off state Department of Social Services Secretary Lynne his list. It wasn’t for him. But what really was for him? Valenti. “It is vitally important to provide information Ever since he was in high school, he had had nightabout meth use to help prevent individuals from trying mares about having to stand up and talk to the class. And he never had. The teachers didn’t understand and gave him the drug.” low grades accordingly, but at least at the home they didn’t As a result of the presentations, communities have bother him about it. identified some key outcomes to work towards in the “Enjoying yourself?” Maria asked him. He smiled and fight against meth. These include supporting individuals nodded. in recovery, educating others on the myths and misper“Have another sandwich. There’s plenty.” ceptions to decrease stigma associated with treatment, He looked at her and said “Thank you.” forming and organizing community coalitions and providWhy was that so hard? ing education and information for youth. “New in town, right?” Jaime asked. He nodded. “The department is receiving positive feedback from “Well, you’ll make friends soon enough. It’s nice having the campaign and will continue to work with communiyou here. What’s your name?” ties to educate and raise awareness across the state,” He swallowed, then said, “Richard.” said Secretary Valenti. “Here’s to Richard,” said Maria, raising her bottle of soda. The next phase of the campaign will include the develYes. It was the kind of picnic he’d remember for a long opment of a community toolkit. The toolkit will include time. information and helpful resources to assist communities Shopper www.missourivalleyshopper.com Want your business to be seen? Get your display ad here! Call 605-665-5884 Or Drop By At 319 Walnut St. By Daris Howard We attend a little country church in our rural community. I have been involved in many community events and have taken on lots of assignments that have come from the congregation leaders. Mostly I have worked in scouting. On Tuesday of one week, I had been asked by the congregational leaders to take a new assignment with the young men. The announcement would be given in the church meeting on Sunday, and as usual, everyone in the congregation would be given a chance to either support or express their concern about the assignment. But as I was coming into the church that Sunday, one of the congregational leaders stopped me and told me they had changed their mind. They had felt inspired to ask me instead to be the person who would teach the children music. The members of our little country church have certain idiosyncrasies, and one of them is a strong distinction between what men do and what women do. A man teaching the children music would be like assigning him to play on a www.missourivalleyshopper.com female sports team. But I had been taught by my father that if a call came from church leaders, a person should accept it and heaven would help him overcome his inadequacies. So, with great apprehension, I accepted. I wondered whatatthe members of the congregation Visit our Web site would say. I was particularly nervous about the assignment www.missourivalleyshopper.com since my wife was a music major in college, and I didn’t even know if I was on pitch half of the time. The only thing going for me was that I loved children. It would be a full week before it would be announced to the congregation. That just gave me more time to worry Visit our about it. I Web site at what my children would think when wondered they learned that their dad, who couldn’t sing right half of thewww.missourivalleyshopper.com music. I talked to my wife about time, would be teaching it, but we didn’t mention anything to our children other than to tell them that I was getting an unusual assignment. When the next week came, and the announcement was made, it went worse than I expected. Instead of the solemnity that usually exists with these announcements, the Visit our congregation burst into laughter, starting with my own chilWeb site at an extent that the head congregational dren. It was to such www.missourivalleyshopper.com leader, whom we call “The Bishop,” had to pause the meeting for everyone to calm down. Once the laughter stopped, the meeting was restarted, only to have everyone once more burst into laughter. This time The Bishop spoke to the congregation about how sometimes they, the leaders, felt directed to do unusual things. No one expressed any concern about the assignment, so it was to officially start the next week. I thought it might be good for me watch what the current music teacher did. But the minute I stepped into the children’s meeting room, one of the ladies in charge handed me the song book. I shook my head and handed it back. “I don’t start until next week. I just came to watch.” She shoved the book back to me. “We don’t have anyone for you to watch. So get up and lead.” Nothing I said would change her mind, and she would not accept no for an answer, so I soon found myself trembling in front of forty children. We sang a song that I have known since I was a boy, but in my flustered state, I mixed half of one verse with half of another. I finally stopped the music. “Maybe we should try that again,” I said. One little eight-year-old girl raised her hand. When I called on her, she asked, “Are you going to be our new music teacher?” “Yes,” I replied. The little girl rolled her eyes. “That really stinks,” she said. “You mess things up.” And with that, I thought, “I hope heaven has more confidence in me than I do.” Gov. Daugaard Activates State Drought Task Force to use in leading local prevention efforts. To request a presentation, please contact DSS Division of Behavioral Health at 605-773-3123. For more about PIERRE, S.D. – Gov. Dennis Daugaard today (Thursday) ‘Meth Changes Everything,’ visit www.methchangeseveactivated the state Drought Task Force to monitor drought rything.com or find us on Facebook. conditions across South Dakota. The task force also held Check out the its first meeting today in Pierre. The latest U.S. Drought Monitor indicates that abnormally dry conditions can be found in western, south for great specials at your central and eastern parts of South Dakota. Moderate and local restaurants! severe drought conditions are found in central, north cenIn Print and Online! tral and western South Dakota as well as in the extreme northeast part of the state. There are still areas of the 2005 state not considered to be in a drought. Brillant Blue “The recent hot, dry weather has increased drought PT Cruiser conditions quickly in parts of South Dakota,” says Gov. Convertible Daugaard. “The Drought Task Force gives us a way to 4 cyl., 5 spd. 73,000 low miles share information so we can all appropriately respond. We want to be ready in case drought conditions persist.” Task Force members will coordinate the exchange of Catch The Sun For Only drought information among government agencies as well as agriculture, fire and water-supply organizations. Officials say the exchange of information will allow the task force to better monitor the development and seriousness 605-665-3720 • Yankton, SD of the drought. The task force also will evaluate the impact of drought on economic sectors of the state. State government agencies represented on the Drought Task Force include the: Governor’s Office, Department of Agriculture, Department of Public Safety, Department of Environment and Natural ResourcNEW es, Department of Game, 23 HP Kohler Fish and Parks, South Dakota National Guard and 54” Rear Discharge Bureau of Information and Telecommunications. Because of the dry conditions, the public is asked NEW to be careful with open burns and other activities 52” Deck, that could start fires. 21½ H.P Kawasaki . South Dakota’s drought Month Of June monitor index can be found Get $200 Off! at http://droughtmoniTyndall on Hwy. 50 Corner of tor.unl.edu/Home/Statles West of www.schuurmansfarmsupply.com Hwys. 50 and 37 5 mi eDroughtMonitor.aspx?SD. Summer Is Here! $4,995 ULTIMATE CUTTING EXPERIENCE For The Home Owner Who Wants The Best! Hustler Fastrack 6,250 $ Our offices will be closed on Tuesday, July 4th for the Independence Day Holiday. EARLY DEADLINES for the July 4th Issues... Deadline: Noon Deadline: 11:00AM Thursday, June 29th Thursday, June 29th Hustler Raptor Ph. (605) 5 89 2,995 $ -3909 or Cell (605) 464-111 3