June 20, 2017 • Page 2 shop online at www.missourivalleyshopper.com Dave Says By Daris Howard To File, Or Not To File? Dear Dave, Dear Cynthia, How do you know when you should I’d pass on this offer. It’s not a good deal. file an insurance claim on a homeown- I’m glad they got some money. I mean, that’s great for them. If er’s issue, versus just dealing with it they want to do some real estate investing, that’s awesome, too. and paying cash? If they want to give their kids a gift out of the inheritance money, Ben that would be a very nice, generous thing to do. But no, we’re not going for a deal where they have ownership in your home. Things Dear Ben, like that end up messy, and it won’t get you where you really want Basically, it’s when you begin to feel to be. Even if it does, you won’t like the trip! the pain financially. Let’s say you have If you take a deep look into this, you’ll begin to understand there a $1,000 deductible on your home- are some things involved that will change the nature of your relaowner’s policy. If you have an $1,100 tionship with your in-laws. Every time you see them and they see issue, just pay the $100 out of pocket you, they’ll see dollar signs. Dinners together will start to taste and don’t mess with it. But let’s say different, and they’ll feel different, too. you have the same deductible and a Protect your relationships and your family, Cynthia. Please don’t Dave $2,000 problem. Depending on things like do it. your overall financial situation, the value — Dave of the house, and the cost of the insurance policy, that might just get you to file a claim. Somehow, lots of people get the idea they can make money on * Dave Ramsey is America’s trusted voice on money and busiinsurance process. You don’t. Insurance companies make money, ness, and CEO of Ramsey Solutions. He has authored seven bestand consumers pay insurance companies. You don’t make money selling books, including The Total Money Makeover. The Dave on insurance in the long-term. You may have a situation, once in Ramsey Show is heard by more than 12 million listeners each a blue moon, where you come out ahead on a transaction versus week on 575 radio stations and multiple digital platforms. Follow what you paid in. But over the scope of your life, you don’t make Dave on Twitter at @DaveRamsey and on the web at daverammoney on insurance companies. sey.com. The point is this: If you turn in the claim, you’re going to experience a rate increase or cancellation somewhere — at some point — that offsets it. I only turn in substantial claims, meaning claims that are far above the deductible. — Dave Ramsey Pass On This Deal Dear Dave, My in-laws have inherited some money, and they want to invest in real estate. They have offered to help my husband and I buy a home, but they want ownership of some kind as part of the deal. “Salamander sandwiches and great Grecian toads!” said Is this a good idea? Dud, lurching into his never-really-assigned position at Cynthia the Mule Barn truck stop’s philosophy counter and world “WHEN I WAS LOOKING FOR A JOB, I PUT THE CLASSIFIEDS TO WORK!” Our Help Wanted Listings Have Hundreds Of Opportunities For You... • Full-Time • Part-Time • Permanent • Temporary 319 Walnut • Yankton, SD 605.665.5884 TRUCK DRIVER POSITIONS AVAILABLE Paid Health Insurance • Vacation • IRA • Home Weekends Must Have Class A CDL • Good Driving Record Ability To Pass DOT Physical & Drug Screen Gray Carriers Inc. 402-379-2357 • 1-800-336-4729 Hartington Tree LLC dilemma think tank. Mavis stood there holding the pot of Farmer Brothers coffee as she waited for Dud to flip his coffee mug to the correct upright position. “You want some coffee before the toads are done?” she asked. “Sure,” Dud said, laughing. “Just practicing my epithets.” Mavis poured. “When you die you want toads and salamanders on your headstone?” “No, no, no,” Dud said, in what we’d come to learn was his quasi-professorial tone. “Not an epitaph. An epithet, dear lady, is a spontaneous outburst, a grand flinging of words to the wild ether that is the very air we breathe …” He talks like that sometimes. “… an expression of polysyllabic perfection designed to both stun and impress those within hearing range.” Doc looked at me. “I’m sufficiently stunned.” “Me, too.” Mavis filled everyone’s cups. “Going to be one of those mornings, I guess.” “Let’s get this straight,” said Doc. “To stun and impress people and amaze everyone on our block, we have to talk about salamanders?” “Of course not, Doc,” said Dud. “It could be anything. Now I’ve just been gathering up a few of those for use later on, you see, to be used when a great epithet is called for. Let’s say I walk in here one morning and you tell me the river went over its banks last night and is flooding the south valley. That would be a good time to use salamander sandwiches and great Grecian toads, you see.” “I see. The salamanders and toads because they both like water and the river overflowed, and…” I could see the twinkle in Doc’s eye. “No,” said Dud, “although you do have a good point there. But you could just as easily use an epithet like … ‘Well, put Bluebeard’s potatoes in a sack’!” Doc looked at me. “Doesn’t have the same stunning effect as salamander sandwiches.” I nodded. “How about ‘Dear Aunt Tillie’s sainted hairnet!” “Better than Bluebeard’s spuds, I think.” Mavis looked at us and said “Stunning.” TREE TRIMMING, REMOVALS & TRANSPLANTING Book 63 TREES FOR SALE EVERGREEN • SHADE • ORNAMENTAL Sudoku #5 Yankton 605-260-1490 Hartington 402-254-6710 6 9 7 1 Serving Southeast SD & Northeast NE for 20 Years Kent & Kyle Hochstein • Licensed Arborists www.hartingtontree.com 7 Brian & Jean DeGroot, Owners 2 8 9 7 2 3 5 www.bridgecityautoyankton.com Book 63: Answers FEATURED VEHICLE Sudoku #1 6 2008 Chevy Impala LTZ 4 2 1 3 9 8 802 Broadway • Yankton, SD (605) 665-1596 4Dr, Maroon, 99,000 miles Was $8,995 Now $8,000 Quality Used Vehicles 2014 Kia Sorento, 4Dr., Black, 21,000 miles.................................$18,995 2010 Dodge Caravan SE, Maroon, 121,000 miles...........................$7,295 2008 Chevy Impala LTZ, 4Dr., Maroon, 99,000 miles ......................$8,000 2007 Chrysler Town & Country, Blue, 126,000 miles......................$5,595 2007 Chevy Monte Carlo LT, Gray, 117,000 miles ..........................$6,995 2006 Murcury Mariner 4X4, 99,000 miles......................................$6,995 2006 Ford Escape 4x4, Maroon, 143,000 miles .............................$5,995 2005 Chevy Tahoe 4X4, Silver, 148,000 miles.................................$8,995 2005 Chevy Equinox 4X4, 95,000 miles.........................................$5,995 2005 Toyota Corolla, 4Dr., Brown, 150,000 miles ...........................$5,595 2004 Buick Rendezvous, Tan, 105,000 miles..................................$5,795 2004 Saturn Ion, 4Dr., White, 150,000 miles ..................................$3,995 2003 Chevy Silverado, Red .............................................................$2,995 2003 Ford Escape 4x4, Gray ...........................................................$3,595 2003 Honda Odyssey Van, Maroon, 199,000 miles .........................$2,595 2003 Dodge Caravan, Silver, 156,000 miles, 1 owner .....................$3,995 1999 Pontiac Bonneville, 4Dr., 132,000 miles................................$3,995 1999 Ford Explorer 4x4, Tan, 144,000 miles...................................$3,995 1999 Pontiac Montana Van, White...................................................$2,195 1998 Chevy Blazer 4x4, Brown, 123,000 miles...............................$2,595 1997 Buick Skylark, 4Dr., Tan, 142,000 miles ................................$2,595 1997 Buick Lesabre, 4Dr., Maroon, ................................................$3,295 1996 Ford Crown Victoria, 4Dr., Silver, 115,000 miles ....................$3,995 Special Interest 2010 Kawasaki Jet Ski 1500 CC, Black...........................................$5,995 2008 Kawasaki Vulcan 1600, Blue, 8,400 miles..............................$5,995 2006 Suzuki Burgman 650 Scooter, Gray, 3,200 miles ..................$3,295 2005 Chrysler PT Cruiser GT Convertible, Maroon, 31,000 miles......$9,995 2005 Forest River Cargo Trailer ......................................................$2,995 2005 Yamaha Majesty 400 Scooter, Black 7,900 miles .................$2,995 1990 Honda 1500cc Trike, Blue....................................................$10,595 1989 Pontiac Firebird GTA, Red, 62,000 miles.............................$15,995 1985 Ford Wrecker, 4x4, Red, 67,000 miles ...................................$5,995 1976 Cadillac Eldorado Convertible, 2Dr., White, 67,000 miles........$5,995 1961 Fishing Boat with Trailer .......................................................$1,495 6 5 7 We had decided to travel to the eastern United States so my family could meet some of the wonderful people I knew when I lived there. From our home in the West, it was a long drive. But there were a lot of new experiences for our children. As we were driving across Nebraska, my children stared at mile after mile of corn. My six-year-old daughter loves fresh corn out of the garden. It looked like a dream to her. “Daddy,” she said, “can we come here when the corn is ready to eat?” One night we set up our camp trailer, and I cooked Dutch oven potatoes, hamburgers, and scones. As the sun faded down behind the horizon, the fireflies came out. My children had never seen fireflies before. I had grown up in the west and had thought they were a myth until I lived in the east. As the fireflies started blinking, our four-year-old daughter, Elli, was amazed. “Daddy,” she said, “there’s lots of little blinking stars on our tent. I think they fell out of the sky. Should we put them back?” I captured one and put it in a jar so my children could see it. It sat quietly, not blinking. “Can we take it home with us so it can be our star?” Elli asked. I shook my head. “I’m afraid it wouldn’t be happy there. Its family is here.” She agreed that it should stay with its family, so after everyone had seen it, I let Elli open the jar, and we watched it fly away. We sat outside late that night watching them blink. One day at our campsite we heard something they had never heard before. My wife had spent years in Missouri, and she knew the sound well. The noise started out quietly, but as the days wore on, it became an orchestra of sound like all of nature was coming to life. “They’re cicadas,” my wife said. This time it was my six-year-old daughter, Heather, who was most intrigued. “What are they doing?” Heather asked. “They’re singing,” I replied. “It’s a loud song,” she said. I captured one so everyone could see what they looked like. It sat quietly in the jar. “How come it’s not singing?” Heather asked. “It’s sad,” I told her. “It wants to be with its family.” We made sure that everyone had a chance to see it, and then Heather let it go. In the West, where we are from, it hardly ever rains in the summer. We probably get rain no more than once per month. But while we were camping in the East, it rained almost every day. When we were visiting a friend, the man said, “I’m sorry it’s so dry here for your visit. I doubt it has rained more than three times per week.” My older children laughed, thinking he was kidding, but I told them he wasn’t. “You will notice,” I said, “that no one has sprinklers.” They sat there and stared for a minute, then looked all around at the yards near us. They saw that I was right. They had never realized that there were places that didn’t need sprinklers. As our vacation was ending, our youngest two daughters could hardly wait to tell their grandmother about all they had seen. When we finally had a chance to visit her, they were excited. It was interesting to hear them explain it in their childhood ways. “Guess what we saw,” Heather told her. “We saw cricketas that were much louder than our crickets here, though.” “And we saw more corn than even Heather could eat,” Elli added. “And we saw places where no one even has a sprinkler,” Heather said. “But best of all,” Elli said, “we saw firestars. And they give light when they smile. But they only smile when they are with their families because families make them happy, just like us.” I couldn’t have said it better myself. South Dakota Receives Farm To School Grant Challenging Sudoku Puzzles by Department of EducaPIERRE, S.D. – The South DakotaKrazyDad tion has received a $24,158 grant from the U.S. Department of Agriculture, as part of the Farm to School Grant Program, Sudoku #6 to better connect school cafeterias and students an effort with local farmers and ranchers and increase the amount of 3 1 8 local foods served in schools. South Dakota’s project is one of 65 across 42 states and 3 7 9 5 Puerto Rico receiving support this year. The South 5 2 8 2Child and8 Dakota Department of Education’s office of 5 Adult Nutrition Services will partner with South Dakota Rural Action 6 1 7Dakota State University Extension andto school procure2 to provide statewide training on farm ment. 6 1 “With the rural nature of South Dakota and the importance of agriculture in our state, this grant provides a great 4 5 7 opportunity to better connect students and schools to the nutritious food resources that 4 practically in their backare 8 1 Intermediate Sudoku Puzzles by KrazyDad yards,” said South Dakota Secretary of Education Dr. Melody 2 Sudoku4 #28 6 1 7 5 3 5Schopp. to the 2015 USDA Farm to School Census, 7 2 7 9 2 According 3 7 6 4 9 5 8 1 2 country, schools with strong 8 1 4across thereport higher school meal2 farm to school 3 5 8 1 M I S S O U R I VA L L E Y 7 3 2 9 6 4 programs participation, reduced © 2008 7 9 1 8 3 4 6 KrazyDad.com © 2008 KrazyDad.com 2 5 food waste and increased willingness of students to try new 8 4 3 5 7 6 1 2 9 foods, notably fruits and vegetables. 6 1 9 3 2 4 5 8 7 8 7 5 4 1 2 3 6 9 9 3 6 8 5 7 4 2 1 1 5 2 6 8 9 7 3 4 7 4 8 2 3 1 6 9 5 3 6 9 7 4 5 1 8 2 6 1 4 9 7 8 2 5 3 7 6 2 1 8 9 4 3 5 Fill the puzzle so that every row, every column, 6 5 every 9 1 and 7 2 5 8 7 1 2 3 9 4 6 4 3 8 section3contain4the numbers 1-9 withoutR1I VA L L5E Y 2 a number. 8Sudoku repeating 4 3 6 7 2 9 9 5 6 #7 8 1 7 Sudoku MISSOU MV Shopper MV Shopper 1 8 9 2 1 6 75 7 6 Sudoku #3 7 8 6 4 1 4 2 3 3 5 9 1 4 9 5 8 2 6 1 9 8 7 3 6 5 3 4 2 9 1 8 7 6 2 7 5 3 7 5 5 8 9 7 8 4 2 1 6 3 7 3 4 5 5 4 2 9 1 8 9 7 4 6 5 2 3 9 1 8 2 7 8 1 6 3 6 4 9 5 9 4 Last tuesday’s Sudoku Solution #7 5 4 8 6 2 1 7 2 3 9 6 1 4 3 9 5 8 7 5 8 4 1 3 6 8 2 6 5 7 5 9 2 2 8 1 9 6 4 7 8 3 9 5 4 1 6 4 3 7 3 2 6 9 7 8 1 9 1 4 5 3 2 7 6 8 7 2 5 8 9 7 1 3 4 5 7 1 3 2 6 9 2 4 5 6 8 8 3 5 1 3 8 2 4 3 6 5 7 8 2 9 1 4 3 8 4 9 6 6 7 5 3 8 9 4 7 2 1 1 5 2 4 9 2 6 8 7 5 7 9 1 6 3 7 2 6 1 3 9 7 4 Sudoku #4 6 4 9 7 1 2 8 9 7 5 3 6 5 7 2 1 4 9 1 2 8 3 6 5 3 6 7 8 9 1 4 3 2 8 5 4 9 8 9 4 Sudoku #5 3 5 6 9 8 1 7 4 4 9 7 6 2 3 1 5 2 8 1 7 4 5 3 9 6 3 5 2 7 9 4 8 9 1 4 5 6 8 2 7 8 7 2 3 1 4 5 6 5 6 3 4 9 2 8 1 1 2 9 8 5 7 6 3 challenging 7 4 8 1 3 6 9 2 Sudoku #6 8 7 6 3 9 2 4 5 2 1 6 8 4 9 3 4 9 7 5 1 8 7 6 5 9 2 8 3 9 8 2 4 1 3 7 1 3 4 5 6 7 2 6 1 7 8 3 9 5 © 2008 KrazyDad.com 4 5 8 7 6 ch BOOK263 #7 1 2 9 3 1 4 5 6 2 5 3 7 1 7 3 2 6 1 4 6 5 9 8 4 2 3 9 8 7 5 su do ku Sudoku #8 2 1 4 5 7 9 8 3 6 4 6 5 7 1 8 © 2008 1 4 5 3 2 KrazyDad.com 3 6 2 8 9 8 7 9 4 1 7 3 1 2 5 4 9 6 7 3 2 BOOK 635#7 8 9 6 3 8 9 2 1 7 9 3 2 7 6 8 5 4 1 6 5 3 4 9 6 8 2 5 1 7 4 6 5 4 9 7 check next Tuesday’s paper for2 the solution to today’s puzzle. 8 int Smiles 1 3 #8 6 9 1 6 2 1 7 5 8 3 1 4 6 9 Pack Your Bags 2 1 4 Vacation in Branson 5 7 2 5 $649 per 3 double occy • $759 per person single occy 4 person Bus Package Includes: Transportation 5 • Four Nights Lodging Camden Inn october 30th – november 3rd, 2017 © 2008 KrazyDad.com • Beautiful Dogwood Canyon • Patsy Cline & Friends • The Bretts • Daniel O’Donnell • Dixie Stampede • Hughes Brothers KRAZYDAD.COM/PUZZLES • Neal McCoy •Texas Tenors • Hot Breakfasts & Lunches included Navigator Tours call (800) 634-8696 Before september 30, 2017