September 25, 2018 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Sell Personal Car To Help Pay Business Debt? Dear Dave, My husband started his own oneman, small business as a handyman Dear Dave, a little less than a year ago. He has Recently, I loaned some money to a good friend. He’s going to netted $17,000 in that time, but the help me with a big home project over the next few weekends, so business has about $13,000 worth of debt. We’ve always kept personal do you think I should pay him for the work or forgive the debt? Marvin finances and business separate, but what would you think about us sellDear Marvin, ing one of our paid-for cars to help First, I don’t recommend loaning money to friends or family. with the business debt? Once in a while, things may work out and everyone ends up hapRobin py. But in most cases, it changes the dynamic of the relationship. The Bible says the borrower is a slave to the lender, and there’s a lot of truth in that — financially and emotionally. Dear Robin, Dave The big question is whether you’ve already agreed to pay him for There’s nothing wrong with small beginnings. On top of that, you should the work. Another consideration is how he views the situation. He may be looking at this as just helping a buddy, and he still owes always keep your business and personal finances separate. Aside from the debt, it sounds like he’s the money. Ask him what his expectations are before you guys start the job. off to a good start. Just talk to him, and figure out what seems fair to you both. If I think you’ll be able to pay off the debt from your future you’ve already agreed on a certain amount, and the value of the income. If your husband started his business less than a year work is close to what you loaned him, you might discuss the idea ago, he has spent that time trying to get things off the ground of paying back the debt that way. and working with very little name recognition. If he’s good But in the future, if someone close to you really needs financial at what he does, and he continues to work hard and market help — and you’re not enabling bad behavior in the process — himself properly, he should be able to double what he made in just make the money a gift. the last year. — Dave To do that, however, he’s going to have to spend some time in accountant mode. He needs to figure out the types of jobs he makes the most money on for the time he puts into them. * Dave Ramsey is America’s trusted voice on money and busiI know a guy in our area who made more than $100,000 as a ness, and CEO of Ramsey Solutions. He has authored seven besthandyman in the last year. I’m talking about $100,000 in profit! selling books, including The Total Money Makeover. The Dave His prices are higher than most in that line of work, but he’s the Ramsey Show is heard by more than 12 million listeners each best. He provides superb quality work, and he’s always polite, week on 575 radio stations and multiple digital platforms. Follow on time, and on schedule. Dave on Twitter at @DaveRamsey and on the web at daveramIf your husband does the research and crunches some sey.com. numbers, I think he can dial it in and make a lot more money than he’s making now. Find that sweet spot, and he’ll continue to grow the business! — Dave Forgive The Debt? RAMSEY Election Signs Not Allowed In Right Of Way PIERRE, S.D –The South Dakota Department of Transportation reminds the public that political campaign and ballot-issue signs cannot be placed on state highway rights of way. “With election season coming up, election signs are showing up along the state’s roadways,” says Kristi Sandal, public information officer. “Illegal signs create a safety hazard and may distract motorists from seeing important regulatory or directional signing.” Illegally placed signs in the state’s right of way will be removed. DOT staff will attempt to contact the owner of the signs to pick them up. The use of right of way is reserved for official highway signage. All signs in the right of way that are not required for traffic control, as authorized by law (SDCL 31-28-14), are prohibited and will be removed. That includes both candidate and ballot-issue signs. Municipal ordinances regulating placement and removal of campaign signs within towns and cities do not have precedence over state jurisdiction and supervision of state highway rights of way within municipalities. erested in this spot? INTERESTED IN THIS SPOT? Call 665-5884 to place your ad here. Earn as much as $400+ this month & $120 this week www.missourivalleyshopper.com ll 665-5884 to e your ad here. nterested in this spot? www.missourivalleyshopper.com www.missourivalleyshopper.com all 665-5884 to e your ad here. It begins in early morning, when the early risers among us go out to do the chores. Later on, the day may seem almost summer hot, but early in the morning, we can feel it. We can sense autumn. Our eyes that are so tired from the sun’s burning can look silently around at the slight turning of the leaves, and we’ll know. It’s coming. We can feel it. Calendars be hanged. Autumn does not arrive on a certain day, like a Greyhound bus. The weather guessers among us are quite often fooled. You can’t tell it’s fall by reading the paper. Even this paper. But the senses know. We know. We can feel it. It’s coming. Autumn is a reward for all the work we did in the sun. Autumn is a multi-colored blessing that drops on us whether we’re ready for it or not. Autumn is more than football, more than Sunday dinners inside with relatives. Autumn is a coming together of good things that fall into our lives whether we deserve them or not. Before the snows come. Before the cold. Before having to scrape the frost from the windshield. That’s when it happens. That’s when we can look at the natural splendor around us and begin to believe that our dreams really will come true. Any day now. How could you not believe it on a day that’s turning to autumn? We want to go sit in the woods with a gun or a bow or a www.missourivalleyshopper.com fishing rod or a camera, or maybe just a peanut butter sandwich. Because the show is there for us. 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It was no surprise that after Sally was hired at the local hamburger joint, Martha soon was working there, too, and they worked amazingly well together. One night, I was asked to pick up a couple of gallons of root beer for a party. The hamburger place where Sally and Martha worked sold it fresh from the tap. So an hour or so before the party was to start, I made my way over there. I hoped for a chance to have a casual visit with the girls while I was getting my order filled. I was surprised to see the two of them working alone. It was dinner time, and usually there were at least six employees. But for some reason, Sally and Martha were working alone and running as fast as they could. Sally was cooking orders, and in between, she would run out and serve. Martha was taking orders and serving. Both girls were tired and sweaty. There was a huge line of people waiting for food. I sat on a stool at the counter. “Be with you in a minute,” Sally said. “No hurry,” I said. “There are a lot of people ahead of me.” The girls worked hard, but for a long time, the line didn’t go down at all. But eventually, the dinner rush slowed and they started to catch up. A couple of other workers came, which also helped. But one customer, who had been waiting a little while, let both girls have his ire as they gave him his order. I felt it was unfair, because they were doing their best. But the man was soon gone, and Martha turned to the last lady in line. The lady ordered an ice-cream cone. “Sally, can you get that?” Martha asked in a tense voice. “I have a couple of other orders to serve.” “Get it yourself,” Sally replied. “I have to go back to the kitchen.” Sally went to the kitchen, and Martha let out an exasperated sigh. Martha filled the two orders she had ready and was just getting the cone made when Sally came out. Sally saw the lady still standing there waiting, and Sally turned to her sister. “Martha, for heaven’s sake, don’t you have that cone ready yet?” “Layoff!” Martha said, “Unless you want this cone in your face.” A couple more workers showed up, so Sally turned her attention to me. Quite angrily she asked, “So what can I get you?” “Two gallons of root beer,” I replied. And as Sally turned to get them, I added, “And can I get that service with a smile?” She turned to me and scowled, “Don’t push your luck.” Sally brought me the root beer, then asked, “Is there anything else?” “Yes,” I replied. “It’s the first time I have seen two certain sisters angry with each other.” Sally and Martha looked at each other sheepishly as I continued. “But I was just thinking, if the two of you could go on break, I’d love to buy us some ice-cream cones so we can visit.” The other workers said they could handle things, so I purchased the ice-cream, and the three of us sat down to visit. As the girls took a much-needed break, Sally said, “I hope you don’t think we always act like that.” “I know you don’t,” I said, “and you had a good reason, anyway. But I still didn’t get my service with a smile.” They both smiled, and then Sally laughed and said, “You still might be pushing your luck.” Department Of Revenue Offers Additional Guidance On Remote Seller Law PIERRE, S.D. — The South Dakota Department of Revenue reminds remote sellers that they must obtain a South Dakota sales tax license and pay applicable sales tax beginning Nov. 1, 2018. The Nov. 1 deadline is a result of Senate Bill 1, which was signed into law at the conclusion of last week’s special legislative session. South Dakota’s remote seller law applies to businesses without a physical presence in South Dakota that meet one or both of the following criteria in the previous or current calendar year: • The business’s gross revenue from sales into South Dakota exceeded $100,000. • The business made sales for delivery into South Dakota in 200 or more separate transactions. “South Dakota has been at the forefront in achieving tax fairness throughout the nation, and we look forward to the next step in this process,” said Department of Revenue Secretary Andy Gerlach. “The Nov. 1 start date not only allows remote sellers ample time to obtain licensing, but it also provides fairness to our brick and mortar businesses during the holiday season.” The Department of Revenue encourages any business that wishes to obtain licensing prior to the Nov. 1 deadline to do so. The Department of Revenue offers a free, online sales tax license application, which is available at http://sd.gov/taxapp. Remote sellers who do business in multiple states may also register through the Streamlined Sales Tax Project. The Stream- lined Sales Tax Project offers free licensing through its 23-member states and is available at www. streamlinedsalestax.org. “The Department of Revenue will continue to be a resource to businesses of all sizes during this process,” Gerlach said. “We also encourage our in-state businesses who sell products online to contact the department if they have questions about how remote seller laws in other states apply to them.” Additional information and frequently asked questions are available at the department’s dedicated remote seller webpage, http://sd.gov/remoteseller. The department will also provide assistance through its website’s live chat feature or over the phone at 1-800-829-9188. 665-5884 to place your ad here. INTERESTED IN THIS SPOT? CALL 665-5884 TO PLACE YOUR AD HERE. www.missourivalleyshopper.com Orthopedic Care, So Close to Home • Cervical and Lumbar Spine Surgery • Arthroscopic Rotator Cuff Repair • Sports Injuries and Fracture Care • Scoliosis, Disk Herniations and Sciatica • Carpal Tunnel Surgery • Joint Replacement Brent Adams, M.D., ABOS Dining & Entertainment Fall Festival Saturday, Oct. 6 9 a.m. - 2 p.m. – Springfield Community Center Board Certified Jeremy Kudera, M.D., ABOS 30+ vendors, baked goods, crafts, misc. Board Certified 1104 West Eighth Street, Yankton, SD 57079 605-665-1722 www.YanktonMedicalClinic.com Coffee, rolls and lunch served by Springfield Dakota Senior Meals Drawings on the hour plus Jeff Rueb and his exotic animals NEW FEATURE: Fall pictures taken by Kellie Pickner 4x6 for $7.00