July 4, 2017 • Page 2 shop online at www.missourivalleyshopper.com Dave Says 1101 Let Him Be Mad Dave RAMSEY Dear Dave, My dad wants me to buy a house on a 30-year loan for him and my mom in my name, and let them make the payments. I’m 24 years old and have a good credit score and a nice apartment, but my job depends largely on how the oil industry is doing. My dad filed bankruptcy nine years ago, and he’s already $150,000 in debt again, so he’s never been very responsible with money. I think this would spell big trouble for me, but I’m sure he will be mad if I say no. What are your thoughts? Emmanuel Dear Emmanuel, Yeah, I think doing something like this would spell big trouble for you. If your dad is irresponsible with money — especially to the point of having to file bankruptcy — what makes you think he’ll make these house payments on time? I know this would be an uncomfortable conversation to have with your dad, but you need to brace yourself and just do it. Be respectful and explain exactly why you won’t do this. Think about it, Emmanuel. When he doesn’t pay the bill on time, it’s going to screw up your credit score. And when you get ready to buy a house, guess what? You’re going to have trouble qualifying because you already own a house. Most people don’t make enough money to qualify to buy two homes. Basically, your dad is asking you to not buy a house so they can have one. I can’t tell you how to make your dad okay with saying no to this, but I can tell you that your answer should be no. Let him and your mom know that you love them both, but this is something you just can’t do. — Dave Dip In, Pay It Off! Dear Dave, My wife just had our first child. Now, we now have about $3,000 in medical bills not covered by insurance. We’ve got $8,000 in our emergency fund, and I make between $25,000 and $30,000 a year. Should we try setting up a payment plan with the hospital, or is dipping into our savings a better idea? Matt Dear Matt, I’d write a check today and knock out that hospital bill. This falls under the heading of “emergency” in my mind, so pay the bill and jump back into rebuilding your emergency fund. You’ve done a really good job of saving on your income, but let’s see what we can do about making better money in the future. Extra practical training in your field, or more education in the classroom, could increase your income quickly. Your emergency fund needs to be a little bigger as well, and it’ll be a lot easier to make this happen if you’re making more money. I’m sure you’re a hard-working guy, but it’s going to be tough for even a small family to make it on what you’re bringing home now. The unexpected can become a common occurrence when there’s a little one in the picture. 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Checkpoints are planned for the counties of Beadle, Brookings, Brown, Butte, Codington, Davison, Day, Gregory, Hamlin, Jackson, Lake, Lincoln, Meade, Minnehaha, Pennington, Roberts, Spink, Stanley and Yankton. Both the Office of IN THIS SPOT? INTERESTED Highway Safety and the Highway Call are part of to place your ad here. Patrol 665-5884the South Dakota Department of Public Safety. www.missourivalleyshopper.com MIDWEST TOY FARMERS www.missourivalleyshopper.com 30TH ANNUAL TOY SHOW www.missourivalleyshopper.com JULY 9th, 9am-4pm Hartington Tree LLC TREE TRIMMING, REMOVALS & TRANSPLANTING Visit our Web site at www.missourivalleyshopper.com Sunday, July 9th • 1-3PM Interested in this spot? 2,942± Acres | Rock and Brown Counties, Nebraska: Large irrigated farm and feed yard in north Call 665-5884 to place central Nebraska. Features 22 total pivots and a 13,000-head feed yard with permit to expand. your ad here. Includes four homes, large shop, roller miller, and truck scale. L-1700452 633.4± Acres | Wheeler County, Nebraska: Pastureland in northern Wheeler County 12 miles INTERESTED IN THIS SPOT? 11th St., Yankton • $189,900 1100 W. north of Bartlett and bordering Highway 281. Property consists of hill pasture to low lying mead4 bedroom, 2 1/2 bath, 2 car garage, main floor ow with good access. L-1700257 CALL 665-5884 TO PLACE YOUR AD HERE. For details, contact Robert Litz, Agent, at (402) 340-4952. 1,600 sq. ft. Many updates, main floor laundry, master bedroom with handicapped accessible bathroom. www.missourivalleyshopper.com 60± Acres | Keya Paha County, Nebraska: A perfect location for your next cabin or home! An ideal location to build with views overlooking the majestic Niobrara River where you find yourself surrounded by pine and cedar trees that ensure your privacy. It is also the ideal location for all hunters, as many game animals such as deer, turkey, occasional elk, and antelope make this area their home. Property is situated along Highway 183 south of Springview L-1700268 89.5± Acres | Holt County, Nebraska: Tree-covered recreational property located south of Chambers, Nebraska. L-1700835 PRICE REDUCED! 640.69± Acres | Sioux County, Nebraska: Great pasture and hunting located west of Fort Robinson. L-1700045 For details, contact Grant Litz, Agent/Auctioneer at (402) 340-0538. 159± Acres | Bennett County, South Dakota: Good quality dryland quarter with excellent drainage located northeast of Martin. L-1700344 For details, contact Andy Fehringer, AFM/Agent at (402) 920-3065. Call our office for a no obligation evaluation of your land. Office: (402) 336-3500 • Toll Free: 1-800-844-3554 423 East Douglas Street • PO Box 509 • O’Neill, Nebraska Let us put our marketing efforts to work for you! www.FarmersNational.com Real Estate Sales • Auctions • Farm and Ranch Management • Appraisal • Insurance Consultation • Oil and Gas Management • Forest Resource Management National Hunting Leases • Lake Management • FNC Ag Stock *BUYING JUNK CARS* Buying junk cars, pickups, vans, running or not. Free pickup. McLean Auto Salvage 402-360-0756 CARS/TRUCKS WANTED!!! All Make/Models 2000-2015! Any Condition. Running or Not. Competitive Offer! Free Towing! We're Nationwide! Call Now: 1-888-416-2330. nani DONATE YOUR CAR TO CHARITY. Receive maximum value of write off for your taxes. Running or not! All conditions accepted. Free pickup. Call for details. 855-752-6680 (MCN) DONATE YOUR CAR, TRUCK OR BOAT TO HERITAGE FOR THE BLIND. Free 3 Day Vacation, Tax Deductible, Free Towing, All Paperwork Taken Care Of. 1-800-283-0205 (MCN) Thinking of buying a new or used car? Call to get current promotional pricing and local dealer incentives for free. No hassle. No obligation. Call: 855-390-3747. nani 1240 605-660-0495 t. Boniface Annual Bazaar S Menominee, Nebraska Broasted Chicken Dinner Saturday, July 8th In air Y W DA NE ear! this Y NEW this r! Yea cond (2nd Saturday of July) itione hall d Serving from 4-8 PM Many activities for kids and adults Outdoor Country Concert 8-11 PM Boats - Watercraft www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com At the Lifelong Learning Center at Northeast Community College 801 East Benjamin Avenue Norfolk, NE FAX IT 605-665-5882 OPEN HOUSE 440± Acres | Knox County, Nebraska: Pasture southwest of Verdigre with outstanding recreational opportunities. Includes three ponds, two electric wells, and great access. 160-acre state school lease adjacent to the property. L-1700334 PRICE REDUCED! 80± Acres | Knox County, Nebraska: Pasture with hunting located west of Niobrara. L-1700168 For details, contact agents Grant Litz, Auctioneer at (402) 340-0538 or Robert Litz at (402) 340-4952. Cars 2001 Chevy Cavalier, automatic, runs good, good gas mileage. $1,100/OBO. Call 605-660-7383. TREES FOR SALE just west of Fort Randall Dam. Offers income with nearly 40± acres of high quality cropland. this spot? EVERGREEN • SHADE • ORNAMENTAL L-1700572 NEW LISTING! 160± Acres | Wheeler County, Nebraska: Top quality sub-irrigated hay meadow Yankton 605-260-1490 Call 665-5884 to with good access located northwest of Bartlett. L-1700552 Hartington 402-254-6710 place your ad here. 1,506± Acres | Gregory County, South Dakota: Hard grass pasture with full set of improvements, Serving Southeast SD & Northeast NE for 20 Years ! dryland, and irrigated cropland. 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Call 665-5884 Call 605-665-5884 Or Drop By At 319 Walnut St. PLEASE NOTE This publication does not knowingly accept fraudulent or deceptive advertising. Readers are cautioned to thoroughly investigate all ads, especially those asking for money in advance or ads that sound too good to be true. Take a fresh look at the Classifieds, the original way to shop green! * 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. Want your business to be seen? Get your display ad here! Have a Safe Reuse. Repurpose. Really Save! Announcements Events Visit our Web site at 2008 Fiberglass Bass Boat/ www.missourivalleyshopper.com Nitro 189 Sport (19'5”) Mercury Outboard Motor 150 2 stroke EFI Trailer/Single Motor Guide Trolling Motor, excellent condition $17,500. Text Todd at (605)660-3798 or call Roger (605)664-3169. Visit our Web site Motorcycles at www.missourivalleyshopper.com 1250 WANTED OLD JAPANESE MOTORCYCLES KAWASAKI Z1-900 (1972-75), KZ900, KZ1000 (1976-1982), Z1R, KZ 1000MK2 (1979,80), W1-650, H1-500 (1969-72), H2-750 (1972-1975), S1-250, S2-350, S3-400, KH250, KH400, SUZUKI-GS400, GT380, HONDA-CB750K (1969-1976), CBX1000 (1979,80) CASH!! 1800-772-1142 1-310-721-0726 usa@classicrunners.com nani