July 25, 2017 • Page 8 shop online at www.missourivalleyshopper.com Dave Says By Daris Howard Using the Grandchild for Money Dear Dave, My wife and I have been helping our adopted daughter financially for some time. She’s 25, has been married for three years, and we don’t see this cycle stopping anytime soon. The worst part is, they will often throw in that our grandchild will go without something unless we help. We’re certain this isn’t teaching them to stand on their own feet, but we don’t know what else to do. David well, we’ll help and set up a matching system. If you don’t do the matching part though, you won’t see anything from us.” They’ve figured out if they hold your feet to the fire when it comes to this grandbaby, you’re going to open the wallet. They’re playing you right now, and it’s not to their benefit — or yours! — Dave Borrow Against Retirement? Dear Dave, I have an opportunity to take a loan against my 401(k) retireDear David, ment, and pay myself interest. Is this a good idea? Dave You’re right about one thing. It’s time they Susan both learned how to handle money like mature, responsible adults. I don’t know how Dear Susan, much your tried to teach her about finances Actually, you’ll end up costing yourself interest. Never take a when she was growing up, but it sounds like this “needing help” loan against your retirement! thing is turning into an endless cycle. When you pay interest against your retirement, you cost yourself You’re giving them money left and right, and it’s not working. interest. If you leave the company — which you will someday — You’re giving them fish, and you’ve heard that whole saying. You the loan against the 401(k) is due within 60 days. If you don’t pay could also teach them to fish and then not give them any fish, but it off, they consider it an early withdrawal and you’ll get taxed and I like a third choice in this scenario — give them fish only if they penalized big-time. take fishing lessons. They get no more money from you unless If you have a certifiable emergency, like owing the IRS or facing a they get financial counseling together and make a serious move foreclosure, you may have to withdraw some. You’ll still get taxed, toward straightening up their lives. but please don’t ever borrow against retirement! If they try to play on your feelings by saying your grandchild — Dave is hungry, tell them to send the child over for a meal. If they run out of money until payday, tell them to go to their financial counseling session to find answers. Right now, every time they have a * Dave Ramsey is America’s trusted voice on money and busiproblem they call mom and dad. Guess what? They don’t have any ness, and CEO of Ramsey Solutions. He has authored seven bestproblems as long as you’re doing what you’re doing. selling books, including The Total Money Makeover. The Dave Love them well. Hold their hands and say, “When I was your age, Ramsey Show is heard by more than 12 million listeners each I wish someone had done this for me. I’m not going to give you week on 575 radio stations and multiple digital platforms. Follow any more money unless you go to financial counseling sessions regularly and together. If you do this, turn in a budget to us and Dave on Twitter at @DaveRamsey and on the web at daveramlet us coach you on how to be adults and handle your own money sey.com. RAMSEY Rounds Applauds USDA Decision To Open Sensitive CRP Acres For Emergency Haying And Grazing WASHINGTON –U.S. Sen. Mike Rounds (R-S.D.) today made the following statement in support of the U.S. Department of Agriculture’s (USDA) decision to open sensitive Conservation Reserve Program (CRP) acres for emergency haying and grazing, effective today, July 20, 2017, for additional counties in South Dakota. USDA is adding the ability for farmers and ranchers in these areas to hay and graze CRP wetland and buffer practices. More information can be found on the U.S. Drought Monitor. “Secretary Perdue understands the severity of the drought situation facing farmers and ranchers in South Dakota, and I thank him for continuing to provide additional tools to help producers during these tough times,” said Rounds. Last month, Rounds and Sen. John Thune (R-S.D.) wrote to USDA Secretary Sonny Perdue urging him to provide timely assistance to counties currently facing extreme drought conditions. For CRP practices previously announced, including those authorized today, USDA is allowing this emergency 2005 action during and after the primary nesting season, Brillant Blue where local drought conditions warrant in parts of South PT Cruiser Dakota that have reached D2, or “severe” drought level Convertible or greater according to the U.S. Drought Monitor. This 4 cyl., 5 spd. 73,000 low miles includes counties with any part of their border located within 150 miles of authorized counties in the state, and may extend into surrounding states. All emergency grazGet it while it’s HOT ing must end Sept. 30 and emergency haying must end Aug. 31. Price Reduced $3,995 605-665-3720 • Yankton, SD AUCTIONS Tyndall’s Dairy Queen Equipment AUCTION Graffiti Artist A truck was approaching, and I recognized some art work on the side and smiled. I thought back to the first day of class a couple of years earlier. The students were introducing themselves. When we got to Wyatt, his introduction was unique. “I am a graffiti artist,” he said. “Not like the graffiti on buildings and trains, though, right?” I asked. “Well,” he said slowly, “yes and no.” By this time the whole class was curious. “Would you like to expound on that, Wyatt?” I asked. “When I was a teenager,” he said, “I started out painting train cars with some friends. My friends soon tired of it. But for me, there was an adrenaline rush trying not to get caught. In addition, I found I was good at it. I must admit that I felt proud when I was out driving by my creations with someone and heard them say it was awesome artwork, even as they talked about how wrong it was for someone to do it. And I hated not being able to tell them it was my work.” “Did you ever get caught?” another student asked. Wyatt shook his head. “I came close a few times. One night I’m sure the police knew they had me cornered, but they couldn’t find me. It was winter, and I stayed hidden all night. They stayed until the next morning but finally left. I nearly froze to death.” “Obviously something must have changed,” I said, “or you wouldn’t be telling us this.” Wyatt nodded. “I had been doing it for around four years when one evening I was out with a girl, and she asked me what I did. When I told her I painted graffiti, she said that was awesome. I had the strangest feeling come over me as I thought, ‘I don’t want to date someone who thinks it’s awesome to break the law.’ Then I realized I was the person breaking the law, and that was worse. I decided I needed to change my ways.” Wyatt said he went to his church leader and explained to him what he had been doing and that he wanted to change. “The problem is,” Wyatt told his church leader, “I love doing it.” “Do you love it because of the excitement of doing something wrong, or because it is a creative outlet?” the church leader asked. Wyatt thought about it and realized there was a little bit of excitement, but that was getting old. It was more the creativity. “Creativity is a part of human nature,” the church leader said. “You need to take care of the illegal things you have done, but you also need to find another creative outlet.” Wyatt turned himself in and was sentenced to hours of community service, much of it scrubbing off graffiti or painting over it. But he couldn’t find a creative outlet and could feel the desire to create growing within him. Then one day he heard a business owner talking to a customer. “We need to paint our shop,” she said, “but I wish I could get someone to paint a logo or picture or something instead of just a boring paint job.” Wyatt had an idea. By promising to paint over it at his own expense if the owner didn’t like it, he talked her into allowing him to paint a logo in a graffiti style on the building. The evening he started to paint, the police arrested him. He had to get the business owner to explain their agreement before he was released. Wyatt bought a suit to paint in after that so he looked professional. Graffiti art is something that takes some getting used to, and at first, the owner wasn’t sure she liked it. But she got so many compliments that she kept it and grew to love it. Soon job offers poured in. He even painted cars, pickups, and trucks. He had a waiting list for months of work. He said he even checked with the art department to see if it was possible to major in graffiti art. They had never even considered it before, yet Wyatt ended up making a good living at it while going to school. As the truck whizzed by me, my thoughts returned to the present, and I smiled and said, “Nice work, Wyatt.” Participating Businesses Are… Saturday, July 29 -- 10 a.m. LOCATED: 609 Main Street, Tyndall, SD Highway 50 and Main Street intersection Having operated the Dairy Queen in Tyndall for the last 36 years the Stolzs have decided to discontinue their business and will offer their entire inventory of extremely clean, well maintained equipment at auction. A complete listing appeared in last week’s issue Bob and Shirleen Stolz, Owners Peterson Auctioneers Glen Peterson, RE #234 TERMS: Cash www.petersonauctioneers.com Lee Wittmeier - Tyndall, SD Cody Peterson - Avon, SD Not Responsible for Accidents Vintage Car, Guns, Antiques, Miscellaneous AUCTION Sunday, July 30 -- 11 a.m. LOCATED: 43520 SD Hwy. 52, Yankton, SD REAL ESTATE north of Lewis and Clark Marina CAR: 1970 Ford XL 2 dr convertible, 351 Windsor, 99,000 actual one owner miles. GUNS: Sp?d trapdoor 45-70 ri?e & bayonet; Rem No 6 rolling block .22; Savage Model 1905 bolt act ss .22; JC Higgins bolt act ss .22; Mossberg .22 auto. ANTIQUES & COLLECTABLES: 5 cent slot machine; Coca-Cola pop cooler; E.C. Lee Pierre, SD stock saddle; McClellan saddle; Miller ?at saddle; Large oak serpentine dresser and mirror; Parlor tables; Oak commode; Church pulpit; Prints including Terry Redlin “Above the Fruited Plains”, James Meger, Jolene Steffen, Bev Doolittle and more; Trunk; Pharmacist scale; 8 gal crock; Crock bowls; Depression glass; Lead crystal; Collectable glass; Copper boiler; Barn lanterns; Cowbell; Sad irons; Silver servers; Silverware; Zebra collection; Costume jewelry; Gumball machine; Horse collection; Cookbooks; 1/64 JD tractors; Misc Tonka toys; More small antique & collectables. Howard Baby Grand Piano. HOUSEHOLD, MISCELLANEOUS: Auto washer and dryer; Small refrigerator; Small chest freezer; Dining table and chairs; Buffets; Liquor buffet; Wicker furniture; Sofas; Easy chairs; Glider; Small curio; Stereos; Records; Books; Entertainment center; Elec sewing machine; Gas ?replace; Dehumidi?er; File; Hall table; Microwave; Small kitchen appliances; Dish sets; Cookware; Holiday décor; Gas grill; Vac; Miscellaneous lawn and garden tools & supplies; Plus many more kitchen and household related items. This will prove to be a very interesting auction with several unique and hard to ?nd items in the offering plus more yet to be uncovered. Mrs. John (Leona) Kabeiseman, Owner Peterson Auctioneers Glen Peterson, RE #234 TERMS: Cash www.petersonauctioneers.com Lee Wittmeier - Tyndall, SD Cody Peterson - Avon, SD Not Responsible for Accidents RENTALS J&H Cleaning Services YANKTON WORKS AUTOMOTIVE EMPLOYMENT MERCHANDISE COUPONS Want your REAL-TIME MESSAGE on the most visited media website in the Yankton area? Join our ‘Friends2Follow’ program! Contact your Yankton Media Representative today! 605-665-7811 the Missouri Valley Shopper and missourivalleyshopper.com is your complete source for buying and selling. Everything you need is just a click or call away! Place an ad today by calling 605.665.5584 MV Shopper M I S S O U R I VA L L E Y