May 1, 2018 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Why Not Short-Term Disability? Dear Laura, No, it is not. No credit score, means you don’t have any credit or your credit score is “indeterminable.” A low credit score indicates you’ve had — or still have — debt in your life, and you haven’t done a good job of paying creditors on time. Two things will help solve the problem of having a low credit score. One is time. If you’ve had instances of late payments from years ago, time will help heal that to a degree. The older late issues become, the less they count against you. But my guess is you two probably have some bad debt. By bad debt, I mean things that were never paid, or accounts that are in collections. If that’s the case, you need to contact those people, and settle those debts in full — and in writing — as quickly as possible. Officially close the accounts, too, before you try to buy a home. When it comes to buying a home, Laura, I always advise folks to first be debt-free and have an emergency fund of three to six months of expenses set aside. — Dave Dear Dave, Why don’t you recommend having short-term disability insurance while doing the first three Baby Steps of your plan? It seems like a good time for it, when you’re in the beginning stages of getting your finances in order. Bob Dear Bob, You could certainly do that if you want, possibly even through your place of employment. I’m a big fan of folks having long-term disability Dave insurance when they’re in their prime wageearning years. But short-term disability is something I’ve always considered to be gimmick insurance, and that’s something I don’t recommend or buy. I get the argument, too, that short-term disability coverage usually isn’t very expensive. But during the first two Baby Steps — getting a $1,000 beginner emergency fund set aside, and paying off everything but the house — you’re trying to limit expenses as much as possible. Chances are you wouldn’t need it in Baby Step 3, because that covers your full emergency fund of three to six months of expenses. Hope that helps, Bob! — Dave Ramsey * 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. Low vs. No Dear Dave, My husband and I are trying to buy a house, but we both have low credit scores, so we’re having trouble securing a loan. We’ve heard you talk about getting a mortgage loan with no credit score. Is this the same as a low credit score? Laura st Prices Be ! In Town NEW! We’ll Match A ll Local Advertis ing Prices! Skyy Vodka $23 .99 1.75 ML Forty Creek Canadian Whisk $ ey 28.99 1.75 M L Jim Beam Bourb $ on 25.99 1.75 M L Captain Morgan $ 25.99 1.75 ML Doc smiled and felt really good inside when he heard the familiar bird song. “Hey there, Wheezer,” he said, “happy spring!” For some reason, this mourning dove with the speech impediment comes around to Doc’s back yard every spring, and Doc thinks that’s just all right. If ol’ Wheez didn’t have that distinctive voice, Doc would never know if this bird favored his yard or was just another bird looking for a home. Let’s face it, Wheezer looks just like every other dove in town. But he was back and flirting with a good-looking lady dove up on the branches of the locust tree. Doc always wondered whether doves mate for life, and this was the same Mrs. Wheez he sees every year, or if Wheezer had to court a new lassie each spring. “I’ll have to look it up,” Doc said, knowing that he wouldn’t. But he did go over to the concrete block wall and clean out the crud from the hollow in the top block by the gate. Doc had put dirt in it years ago, and each spring, the Wheezer family hauled in twigs and grass and made a place to raise their family. And each spring, as Mrs. W. sat on her eggs, it would take Doc a few days before she would tolerate him coming and going through the gate. This was the dove family he was close to. They let him get right up to maybe a foot from the ugly little baby birds each spring, and he was careful never to move quickly or make a noise. That was his contribution, you see, to the putting together of the “Doves in the Concrete Block” family. Wonder how long doves live? Doc thought. Wonder how long old Wheezer will last? I’ll have to look it up. No he won’t. A Kitten’s Mother Janet won out that evening. Through all of the pleading, she stayed strong, and the children left with no kitten. But a few days My sister, Janet, and her family came out later, when they were leaving to go home, to visit this summer. They stayed with my they came back to our house. The children mother, but they came out to our house for a had finally worn her down. In fact, they cookout. Janet has some sweet children, and had talked her into two kittens so that one while they were at our house, the children wouldn’t be lonely. fell in love with our kittens. One kitten would be the responsibility of “They are old enough for us to give away, the eldest son, who was allowed to choose now,” I told her. first due to meeting academic goals for the She frowned. “Don’t you dare tell my school year. The other would be the choice children. The last thing we need is another of the six-year-old daughter. Her birthday kitten. Our cat died, and they have already was coming up, and the kitten would be her been begging for one.” present. The other children would all share But I didn’t need to tell them. While they with them. Before they left, Janet wanted to were at our house, the children carried the emphasize to the children the responsibility. kittens everywhere. They played with the “These kittens are still small, barely old kittens, fed them, and never went far from enough to leave their mother. If you take one, them. I knew it would only be a matter of you will become their new mother. Are you time until they asked. I was right. Before they willing to do that?” left, I heard the begging. All of her children said they would, but SENSATIONAL “Mom, please!” they would say over and Janet especially wanted a commitment from Offer Expires May 28th over. her oldest son and her six-year-old daughter. But Janet was adamant. “When we travel, Receive A Bass ProShops/Cabelas Gift Card With Purchase of Selected Boats Only During This Event! 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My with Mercury 90 HP ELPT 4S CT with Mercury 60 HP ELPT 4S CT with Mercury 150 HP XL 4S wife and I approximated it Plus $500 Bass Pro Shops/ Plus $250 Bass Pro Shops/ based on when we had seen Cabelas Gift Card Cabelas Gift Card the mother cat fat and when See our full inventory at tyndallmotors.com NO HAGGLE ~ NO HASSLE we hadn’t. nd th Call: Dan, Tom or Katie at 605-589-3441 • Toll Free 1-888-589-3441 Janet posted on Facebook 406 West Hwy 50 • Tyndall, SD • Hours: Mon.-Fri. 8 a.m. to 5:30 p.m. • Sat. 8 a.m.–12 noon off and on to let us know how the kittens were growing and how much they were loved. But at Christmas, I got a special letter with extra info. Apparently, her six-yearold wanted to be the best mother to the kitten she could. But what does a mother cat do to take care of her kittens? The older siblings suggested she watch Youtube videos. A person can learn anything there. Spas • Swimming Pools • Saunas So some time after they 1900 Broadway Ave, Yankton, SD • 605-665-1240 had taken the kittens home, W 2500 S. 13th St., Norfolk, NE • 402-371-8425 NE Janet came in to find her sixw w w. l e i s u rewo rl d s d. co m 23 HP Kohler year-old licking the kitten. Trying to remain calm, 54” Rear Discharge she stopped her. “What are M I S S O U R I VA L L E Y you doing?” Janet asked. “I’m cleaning her like a good momma cat would,” her Book 65 Challenging Sudoku Puzzles by KrazyDad NEW daughter said, spitting hair Fill the puzzle so that every row, every column, and every from her mouth. “I’ve done section contain the numbers 1-9 withoutRrepeating a number. it every day since we got her. 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