August 28, 2018 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Larger Emergency Fund? Dear Dave, My wife and I are following your plan, and we just paid off all our debt except for the house. Since we work for the same company, do you think we should have an emergency fund that is larger than you normally recommend? Don Dear Don, That’s great news! You’ve finished Baby Step 2, and now you’re ready for Baby Step 3, which is fullyfunding your emergency fund. Dave I don’t see a reason to set aside more than six months of expenses. My recommended range for an emergency fund is three to six months of expenses. If your employment situation is one where there’s more risk of something going wrong, you should lean toward saving six months’ worth. If your employment outlook is really stable, you can go with setting aside three or four months of expenses in an emergency fund. I look at your situation as being more high-risk. You each have jobs, so that’s the good news. But if the company went down, or experienced layoffs, you could find yourselves unemployed at the same time. My advice would be to save up six months of expenses for your emergency fund. With that kind of cash just sitting there, you should be able to make an easier and less stressful transition in almost any kind of unemployment scenario or other emergency. — Dave RAMSEY Check out the for great specials at your local restaurants! In Print and Online! g& t nin men Di in rta nte E Holy Family Parish Pancake & Sausage Breakfast & Catholic Order of Foresters Raffle 9 a.m. to 1 p.m. Sunday, September 2nd Bow Valley Dance Hall, Bow Valley, NE Raffle, Bake Sale & Games! 2 Big Days in Delmont, SD Historical Society of Delmont Kuchen Festival • Sept. 8 (Downtown Delmont) Twin Rivers Old Iron Harvest Festival • Sept. 8 & 9 (At the farm, ¼ mile West) • Parades • Tractor Pull • Quilts, Crafts and Art • Flea Market • Demonstrations & KUCHEN Visit www.twinriversoldiron.org or www.delmontsd.org for more information Open To The Public Secured vs. Unsecured Debt? Dear Dave, What exactly is unsecured debt, and how is it different from secured debt? Rich Dear Rich, “Unsecured” debt generally means someone loaned you money, but they don’t have a lien on anything. Credit cards and student loans are examples of unsecured debt, because there’s nothing they can directly repossess if the borrower doesn’t pay. However, they can sue you if you don’t pay, and get a lien against something after they sue you. In some cases, this is done against your income by garnishing your wages. Some examples of “secured” debt would be things like a home mortgage or car loan. A home mortgage loan is secured by the home. If you don’t pay, they can foreclose and take the house. The same is true with a car loan. If you don’t make the payments, they can take the car. Typically, unsecured debts will be the last debts you pay if you’re in financial trouble. You’d make the car payment before paying on your student loan, and you’d make your house payment before paying on a credit card. Hope this helps, Rich! — 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. Bridge Improvement Grant Recipients Announced PIERRE, S.D. – The South Dakota Transportation Commission awarded 35 Preliminary Engineering Bridge Improvement Grants (BIG) totaling approximately $1.345 million at their meeting today in Pierre. The remaining $13.655 million in BIG funds will be used for Preservation, Rehabilitation and Replacement grants to be approved by next April. Grant recipients are: city of Aberdeen, Aurora County (2), Beadle County (3), Bon Homme County, Brookings County, Brown County, Butte County (3), Davison County, Day County (2), city of Gary (2), Grant County, Hamlin County, Hanson County, Jackson County, Lawrence County (3), Lincoln County, Lyman County, Perkins County, Roberts County (2), Sanborn County, and Union County (5). Forty-one applications totaling $1.58 million were received by the South Dakota Department of Transportation (SDDOT). Two cities submitted three applications and 22 counties submitted a total of 38 applications. Local governments are required to pay a minimum of 20 percent matching funds and have three years to expend the grant. Counties must have a wheel tax and a five-year Highway and Bridge Improvement Plan to receive a grant. The BIG program was created in 2015 by Senate Bill 1. SB 1 set aside $7 million per year from funds generated by license plate fees to be used to repair and replace aging local bridges. The SDDOT adds an additional $8 million annually, making $15 million available. The next round of BIG program applications is due Jan. 2, 2019, for the Preservation, Rehabilitation and Replacement categories. Applications are available online at: http://sddot.com/business/local/big/Default.aspx For more information regarding the BIG program, contact Doug Kinniburgh at 605-773-4284. MV Shopper M I S S O U R I VA L L E Y CLASSIFIEDS Pancakeast IN PRINT & ONLINE 605.665.5884 Breakf To place your ad call... Pancakes, Eggs, Bacon, Sausage, Biscuits & Gravy, French Toast 7.00 All You Can Eat $ Children 6-10 $4.00 • 5 & Under Free Sunday, Sept. 2nd • 8 - 12:30 VFW Post 791 209 Cedar, Yankton • 665-3562 In Concert Billy Dean Opening Artist Friday, September 7th, 8:00 p.m. SCHIFERL’S 7 miles south of Yankton WJ RANCH Tickets: 402-357-2102 or Online: www.schiferlswjranch.com Thank you to these sponsors: First Dakota National Bank Mark’s Machinery Larry’s Heating & Cooling Crofton Farm Supply • Doyle Stevens Construction, Crofton Best Western Kelly Inn • Hanson Briggs, Yankton Town & Country Insurance, Crofton • Al & Debby Larson, Crofton Stockmen’s Livestock, Yankton Let Our Family Business Keep Yours In The Go With: • Farm Filters • Hydraulic Hoses • Bearings & Seals Cox Auto 1007 Broadway Ave Yankton, SD 605•665•4494 Thank You! Thank you to my family for the wonderful birthday party and also to all who sent me cards, phone calls and visits on my birthday! I felt special and well blessed. Claudette Jensen Something New, Something Sweet By Daris Howard When we walked into the buffet restaurant, the first thing that caught Jason’s eye was the chocolate fountain. It had three huge tiers with gallons of chocolate flowing over them. “That’s just about the most amazing thing ever!” he said. This buffet lunch was the last part of our scouting high adventure. As we had planned the week, the boys made one request that was out of the norm from other high adventures I had been on. They had asked to eat out at some restaurants. The boys and leaders had worked hard on fundraising, putting flags at every home in our community on all of the main holidays. People who could afford to donate had been generous. So, amidst all of the boating, fishing, and camping, we ate at a Mongolian grill, a restaurant famous for its big pancakes, and ended the week at the all-you-can-eat buffet. While I was paying for our entrance into the buffet, Jason was busy checking out the chocolate fountain. By the time I joined everyone at our table, he had a plate full of chocolate covered marshmallows and strawberries. He set it in front of me. “What’s this?” I asked. “I did these for you,” he replied. “Why didn’t you do them for yourself?” “You know my parents don’t want me to eat sugar,” he said. It was true that he avoided sugar, except for chocolate milk. Even so, he still had more energy than any boy I knew. I wondered what he would be like if he did eat sugar. “They do look good,” I said. “But I better eat other food first, or my blood sugar will spike.” I got a plate of salad and some roast and potatoes. When I finished that, I ate the chocolate-covered marshmallows and strawberries. I went back for shrimp and chicken and returned to find another plate of chocolate-covered strawberries. I didn’t even have to ask who had done it. “Jason, what’s this?” I asked. “It’s so much fun dipping them in the chocolate; I made you some more.” I looked at my plate of food and the chocolate-covered strawberries, and I considered that I would need a bloat needle if I ate all of it. “No more,” I said. “I might be able to eat these, but don’t you dare make me any more chocolate covered anything.” I ate my shrimp and chicken and slowly made my way through chocolate covered strawberries. I had just finished the last one when Jason came back with an ice-cream cone with ice-cream about a foot high. He was carefully balancing it to keep it from falling. He held it out to me. “What’s this?” I asked. “We’re having a contest to see who can make the highest cone. So far, I’m winning.” I took it, but said, “No more, Jason. I mean it. I’m going to be sick now.” I hate to see food go to waste, so I slowly ate it. I had just reached the bottom and knew I couldn’t even look at another food item when I saw Jason filling another ice cream cone. I went over to him. “Who’s that for?” I asked. “You,” he replied. “Someone beat my record, so I have to go higher.” “I am not eating it!” I said. “You make it; you eat it!” “But I don’t eat sugar,” he replied. “You eat chocolate milk, and ice cream is just frozen chocolate milk, so it’s yours,” I replied. He grinned and nodded. He piled that one higher than the one he made for me, and he ate it. He then made another one even higher and ate it, too. And when we headed home, I realized I had made a big mistake telling him to eat the ice cream. We had to ride home with him, and his energy turned nuclear. By the time we got home, I was not only sick, I was going crazy. It’s no wonder his parents didn’t want him eating sugar. Doc didn’t expect any patients before 10 o’clock this morning, so he was up and coffee’d and gone by 6:30. Lewis Creek. The Lunker’s hole on Lewis Creek. The Lunker is a huge rainbow trout that everyone knows about and no one has caught. So far he has resisted flies, worms, salmon eggs, spinners, and even an imitation mouse that Dud tossed in there one time just to see if the Lunker had a bass’s appetite. Fish aren’t really all that bright, but the Lunker seems to deserve membership to Fish Mensa. No matter how fine the leader a guy used, it didn’t fool him. Trying to figure out what to use and how to use it has fueled arguments for several years now. But Doc thinks he has it figured out now. He has a superfine tippet on his fly line, and used his magnifying glasses to tie a midge that is so small that if he dropped it, it would be gone forever. Doc realizes that with that fine a line, he stands a good chance of having the Lunker simply snap it off and swim away. But that would be all right with Doc if the fish just came and took that fly, because no one else had come that close to catching him yet. And there’s that wonderful new fly rod that Doc made himself from a Sage blank he bought himself at Christmas. With that rod, he believes, he should be able to feel a fish breathe in that creek. He was in the Mule Barn truck stop before 9 a.m., holding court at the philosophy counter and told the boys what happened. “The Lunker came up from under that big rock ledge, you know?” Doc said. “And he came within … maybe four inches of my fly as it went by.” “Four inches!” said Dud. “Hey, Doc, can you show me the pattern you tied for that?” “Sure thing, Dud,” said Doc, grinning. Sometimes there is great glory in failure. NEW! 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