August 8, 2017 • Page 2 shop online at www.missourivalleyshopper.com Dave Says By Daris Howard First, Get a Real Job Dear Dave, I currently have student loans in deferment from earning a degree in hospitality management. My career goal is to own a mobile food vending company, so I’m putting most of the money I make from eBay and ride-hailing services — around $1,000 a month — aside in savings for that. Should I forego my business idea for the time being, and knock out the student loan debt instead? Nicholas Dear Nicholas, You should put this business idea on hold for now, unless you can start it for less than $1,000. The first thing you need to do is go out, and get a real job. I know you have this dream of being self-employed, but right now you’re not doing so well as an entrepreneur. With a hospitality degree, you can make $30,000 to $50,000 a year within the industry, clean up your mess, and build out the eBay thing on the side. Just think about how quickly you could save up money for a jump into the food truck or mobile food business, then! Pay your way through it, Nicholas. Don’t sit around scraping by on the kind of money you’re making now and call that winning. You have a real economic engine at your fingertips, because you have the knowledge from the degree you earned. And it’s a valuable degree. If you go in there and bust it, you can escalate yourself upward through that industry in a hurry. While you’re doing that, you can clean up all your student loans and save up money for your food truck. Boom! You’re selfemployed and you learned a lot of stuff you can use in your new business. Go make some real money, then follow your dream, man! — Dave Dave RAMSEY South Dakota Historical Society Foundation Seeks Western Collectibles PIERRE, S.D. – Western collectibles that are no longer of value to their current owner are of value to the South Dakota Historical Society Foundation. The foundation is organizing a Western collectibles auction that will take place Friday, Sept. 15, at the Expo Center in Fort Pierre. “We’re encouraging people to check barns, sheds, basements and attics for items that are no longer of value to them and donate the items to the South Dakota Historical Society Foundation. The foundation will auction the items at the fundraiser that helps support the work of the South Dakota State Historical Society,” said foundation President Michael Lewis. The foundation is the nonprofit fundraising partner of the State Historical Society. Examples of Western collectibles are fine art, antiques, historic firearms, books, Red Wing crocks, spurs, saddles and other items. The auction will take place at the Expo Center in Fort Pierre the evening of Friday, Sept. 15, as part of the Fort Pierre Bicentennial Celebration. The deadline to donate items is Friday, Aug. 18. For more information or to donate items, please call foundation Development Director Catherine Forsch at 605-773-6003. YOUR RADIATOR HEADQUARTERS! • Great Parts • Great Warranty On-Hand & In-Stock! NO WAITING! Cox Auto 1007 Broadway Ave Yankton, SD 605•665•4494 A Bad Move Dear Dave, I have a whole life insurance policy with zero cash value due to loans I took out per the advice of my agent. I finally realized this wasn’t a smart move, as I now owe premiums plus interest every year. Am I still on the hook for the policy loans if I forfeit the policy to buy term insurance? Tanner Dear Tanner, No, you are not. Get your term insurance in place first, then when you cancel the policy your cash value will offset your loans. They won’t loan you more than your cash value. It’s seldom that they will loan you 100 percent of cash value, so you might actually have a cash value that is above your loan amount. If they have loaned you the full amount of your cash value, it’ll be an exact break even, and just canceling the policy means you cancel the interest and cancel the premiums. It was bad advice to buy the policy, and even dumber advice to clean the whole thing out and sit there paying interest to borrow your own money and pay a premium to keep the loan open. I recommend 10 to 12 times your income on a 15- or 20-year level term policy. During that 15 or 20 years, of course, you should be getting out of debt and building wealth so that you have a big pile of money and no need for life insurance. — Dave * 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. This is going to be good, Dud thought, bringing his new tarp out to the car. There it was on that computer site. How to camp out with just a single tarp. I’ve been looking for something like that for a long time now. Amazing what you can find on the internet. He couldn’t get Anita to go with him, because she just didn’t have the same outdoor curiosity that Dud had. Hey, it’s kinda scientific in a way, you know. The tarp was kinda pricey, but it was worth it. It had to be big, of course, to serve as both a shelter and a bedroll, and it was made out of that spacey-kind of fabric that keeps you warm and dry in any weather. So off he drove to the mountains, and he looked at the illustrations and set it up just the way it said to, with a big stick in the center, rocks on the edges of the tarp to keep it in place. Then, when it was time for bed, Dud smiled to himself and rolled up in a corner of it. The guys at the Mule Barn were a bit surprised to see him back so early in the morning, as he’d told them he’d be camping out. “You look disgruntled, Dud,” said Doc, kindly. “I lost every gruntle I ever had, Doc. Pass the sugar, will you?” “Didn’t you go camping with your new space blanket?” Dud nodded. “But it didn’t work?” said Steve. “It worked until that wind came up.” “What happened?” “I know now why they call it a space blanket, because the last time I saw it, it was headed for Mars.” Check out the 52nd Scottie Stampede rodeo for great specials at your local restaurants! Saturday & Sunday Aug. 12 & 13 • 6:30 p.m. In Print and Online! Slack Sunday, Aug. 13 at 9 a.m. Scotland Rodeo Grounds Advance tickets sold at Rec Bar, Main Stop and Scottie Stop, all of Scotland Advance tickets - Adults $8; 8-15 $6; under 8 free, through August 11. At the gate-Adults $10; 8-15 $8. For rodeo information call 605-660-3120. Cowboy Church Sunday, Aug. 13 at 8 a.m. 211 Kingsley Lane • $399,500 Andrew Marshall, Broker 709 Main St., Box 287, Creighton, NE 402-358-0461 or 402-358-5211 andrew@marshallrealtyllc.com View pictures & full listings at: marshallrealtyllc.com/listing/ 211-kingsley-lane-yankton-south-dakota Our neighbors’ dog, Rosie, didn’t like cats. In fact, she wasn’t too fond of many things. She had killed more than one batch of our kittens and at least a dozen of our chickens. She came snarling at us when we walked by, and I wasn’t sure she wouldn’t attack us if she had a chance. Our neighbors are good people and tried to keep their dog in. They put in an invisible fence, and that kept her home most of the time. But once in a while there was something so fascinating that she would endure the shock to get out. But even if she didn’t get out, there were times she would get excited and bark. Soon every dog in the neighborhood would join the chorus for the two a.m. bark. Our two dogs weren’t immune from this devilish deed, and more than once I got up and yelled at them to be quiet. But one night Rosie seemed to open the floodgates for a nightmare of barking. She was going crazy with a bark I had never heard before. It was not a vicious “I’m going to kill you” kind of bark, but it was an “I’m afraid for my life” one. My dogs joined in, seemingly calling out encouragement. Soon every light in the neighborhood was on as everyone shushed their dogs. I soon had mine quietly whimpering, and so did almost everyone on the block. But Rosie kept up her racket even with her owners yelling at her. They were out in their backyard, and I know they were trying to take care of the situation. But for almost an hour Rosie barked. I finally had to close the window even though we had no air conditioning and the heat was stifling. Eventually, Rosie stopped barking, and I opened the window, but she was whining so loudly I had to shut it again. After a while, I tried once more, and all was quiet. The next day I nonchalantly walked around the block, passing my neighbors’ house. I was hoping to discover what had caused the problem. But there was nothing unusual except that Rosie didn’t come snarling to the edge of the invisible fence line like she always had before. I knew my neighbors still owned her because I would catch glances of her, and I still heard her whimpers. But she didn’t bark or act viciously. A few days later I was out working in my garden, and the eleven-year-old girl from that family was riding her bike down the road. I waved at her, and she came over to visit. “Did you hear Rosie barking like crazy the other night?” Melanie asked. I nodded. “That was really hard to miss. What happened?” “My dad said he tried to piece things together from what he saw,” she replied. “There was a young cat that came into our yard that had its head stuck in a glass bottle. Dad thinks Rosie attacked the cat because there was dog saliva on the outside of the bottle.” “Did she kill it?” I asked. Melanie shook her head. “The bottle was a really thick one, and she apparently couldn’t bite through it. And the sound the cat was making was really eerie coming out of the bottle. Between not being able to bite the cat’s head and the eerie sound, it apparently scared Rosie to death. Dad said that adding that to the fact that the cat was running around backward in circles, he thinks Rosie thought it was a mutant cat that had come seeking revenge. We don’t know what she thought for sure, but she was at the farthest edge of the yard barking like she being killed.” “Yes,” I said. “I heard that part. So what did your dad do?” “He finally caught the cat and was able to grease its neck and get it free. It ran off. But Rosie kept whining, so we ended up having to let her sleep in the house all night.” “I haven’t seen much of her since then,” I said. “That’s because anytime a cat comes near our property, Rosie hides in her dog house and doesn’t come out for hours,” Melanie replied. I smiled and thought that maybe I would get a leash to walk our cat to protect me from Rosie. Applications Now Open For Buffer Strip Incentives PIERRE, S.D. – South Dakotans can now apply to receive riparian buffer strip property tax incentives, Gov. Dennis Daugaard announced today. To aid prospective applicants, the Daugaard Administration has rolled out a new Vermillion, Yankton, Sioux City and Everywhere web map to help landowners determine which waters qualify under the new riparIn Between ian buffer strip program. “South Dakotans place a very high value on the water quality of our lakes and streams,” Gov. Daugaard said. “I expect many South Dakotans will choose to participate in this program to help improve water quality in our state, and this new map makes it easy to understand who qualifies.” The web map, developed by the Department of Vermillion: 605.624.5618 • Yankton: 605.665.4348 Environment and Natural Sioux City: 712.252.2000 Resources, allows landowners and county directors of equalization to view and download maps of eligible lakes and streams. The map can also be used to estimate buffer strip lengths and acres. The interactive map database is located at denr. sd.gov/datagis.aspx. Under the new law, eligible riparian buffer strips are assessed at 60 percent of the land’s agricultural income value. The bill specifies 575 lake listings and 11,000 miles of streams that are eligible. Only land within 120 feet of a listed lake, river or stream may be classified as a riparian buffer strip and grazing is prohibited from May 1 through Sept. 30. Property owners with eligible riparian buffer strips 2.6 Acres on the Bluff! Built in 1971 have until Oct. 15 to apply for a property tax incentive. ApCall Girard Auction to set up an appointment plications must be submitted to the director of equalizato view at (605) 267-2421 tion in the county where the or see more at GirardAuction.com property is located. Eligible applicants will receive tax reGirard Auction & Land Brokers, Inc. lief for their 2018 assessment for taxes payable in 2019. To obtain an application or learn more about the property tax incentive, visit dor.sd.gov/ bufferstrips.aspx. Over Spacious 4 bedroom, 3.5 bathroom house with great lake view! Open concept with huge kitchen, great room, and dining room. House contains 3800 finished square feet plus 1100 square feet storage room and over sized 3 car garage! Conveniently located within minutes of Lewis & Clark Lake! A Scardy Cat 95 Serving... 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