January 22, 2019 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Don’t Play That Game BY DAVE RAMSEY Dear Dave, How do you feel about timeshares, and the free trips and dinners they offer as part of their sales pitches? Is it possible to win with these things? — Dan Dear Dan, In my opinion, timeshares are a complete waste of time and money. Lots of folks go into this kind of thing believDave ing they’ll play the game and win. They think they’ll get a vacation weekend and other free stuff, then just say “no” when the time comes. The problem is, most people aren’t as tough a sell as they think. Besides, do you really want to waste a weekend of your life letting some pushy salesperson twist your arm? That’s not my idea of fun. As a whole, timeshares have an incredibly high dissatisfaction rate. It’s almost impossible to find anyone who’s happy they bought into one, and there are good reasons for this. Why would you pay thousands of your hard-earned dollars for a tiny place you may or may not get a chance to visit once a year? Add to this the fact that you have no equity in the place, and you’re stuck paying ongoing maintenance fees. My advice? Don’t take a chance playing the game, Dan. There are much better uses for your time and money! — Dave RAMSEY MV Shopper M I S S O U R I VA L L E Y CLASSIFIEDS IN PRINT & ONLINE To place your ad call... 605.665.5884 Dining & Entertainment Dakota Territory Gun Collectors Looking for the best deal Interestedin in town? thisCheck spot? the GUN SHOW Easton Archery Center, E. Hwy. 50, Yankton Sat., Jan. 26th 9am - 5pm Sun., Jan. 27th 9am - 3pm Interested in this MV Shopper spot? 5.00 319 Walnut St. Yankton, SD 57078 Call 665-5884 to 605-665-5884 place your ad here. www.missourivalleyshopper.com 2019 South Dakota Wildland Fire Academy Registration Open www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com www.missourivalleyshopper.com M I S S O U R I VA L L E Y $ Book 67 This week I helped my son as he moved his family across the country to a new home. He has a one-year-old daughter, and the whole episode reminded me of our first move after PAID IN FULL? my wife, Donna, and I were married. Dear Dave, We, too, had a one-year-old daughter when we moved I’ve been late on a credit card bill several times, and it from the university where I received my Bachelor’s degree to was turned over to a collection agency. They have offered a where I would be going to graduate school. Celese was barely couple of different payment options. If I agree to one of these, beginning to talk, and our small basement apartment was the does that mean the original creditor gets paid, too? — Carter only home she had ever known. Dear Carter, Because of our limited income, to save money, we did a A collection agency either owns the debt outright, or twelve-hour rental for the moving truck. Donna took me to they’re directly representing the credit card company in get the truck at eight o’clock in the morning, then she and I these kinds of situations. It’s not unusual for things to be set to work packing it. We already had everything in boxes, handled this way when someone has defaulted on a loan. and it was just a matter of fitting all of our earthly belongings Unless you have the cash to make good on the debt into it. outright, I’d go ahead and accept whichever deal makes The whole time we were loading it, Celese was upset at the most sense for you and your current financial situation. seeing her toys, her bed, and all of the other things that made You’ve already got a mark against you on your credit report for having this turned over to collections, so an indication of it home to her being taken away. But when the truck was all settlement on a credit card you defaulted on is really no big packed, and we climbed into it to drive the two-and-a-half deal. hours to our next apartment, she started to sob openly. She But here’s my best piece of advice—stop using credit seemed to understand that we were leaving and not coming cards! — Dave back. As I drove, Donna comforted Celese, and eventually Celese fell asleep. Dave Ramsey is CEO of Ramsey Solutions. He has authored When we pulled up at our new apartment, already exseven best-selling books, including The Total Money Makeohausted from loading everything, Donna and I started to unver. The Dave Ramsey Show is heard by more than 14 million load. I brought in a few boxes, and Donna unpacked some of listeners each week on 600 radio stations and multiple digital platforms. Follow Dave on the web at daveramsey.com and on Celese’s favorite toys trying to help her feel more secure in our new home. But instead, she was even more upset, apparTwitter at @DaveRamsey. ently wondering why we were putting the things she loved in this strange place. We finally finished unloading, I swept out the truck, put my bike in it, and headed on the road to take the truck back. I arrived back at the rental store barely before eight o’clock. I checked the truck in, then biked back to our old apartment. I busied myself cleaning and working to finish up all of the things we weren’t able to do before we left. At ten o’clock, my kind landlord stopped by. He looked at me and shook his head. “You look absolutely exhausted. Are you planning to drive back to your family tonight?” When I nodded, he said, “You’ve done enough. You It’s Tuesday afternoon at two, which means Clarice go ahead and go to them, and I will finish this another day.” Devon is on her way to the Curl Up ‘N Dye beauty salon. Donna and I had talked about me staying overnight with It’s like the sun coming up or the price of bread increasing. my sister who lived near there, but I wanted to be back with Tuesday. Two. Clarice. my family. I struggled the whole drive to stay awake. But when “Clarice!” yells Fran. “Ready to be beautiful?” I finally pulled into the driveway of the apartment building, I “Sure,” she said. “I like attempting the impossible.” looked at the window, and Celese stood there, her little face Clarice Devon is one of our angels. She’s one of the few pressed against the glass, watching for me. The tears were people in town who will tolerate old people and shut ins, streaming down her face. As I came into the apartment, she and she not only takes care of them, but seems to relish it ran to me, and I scooped her into my arms. as well. Donna gave me a hug. “I’m glad you came back and are During the rinse, Fran asks her if she’s the one taking safely here. Celese has cried the whole time you’ve been care of Mr. Gavin since his stroke. Clarice nods. gone and refused to go to bed. I tried to cuddle her, but she “So what’s he like to work with these days?” wouldn’t let me. She just kept going to a door and patting it “It’s a now-and-then situation,” Clarice says. “You know saying, ‘Go home. Daddy.’ I tried to tell her this was home, … now and then?” but it didn’t help. Finally, I told her that you would be com“I don’t understand. You mean it’s part time?” ing back, so for the last hour, she has stayed at that window “Nope. Full time. But it’s now and then.” watching for you.” Fran looked puzzled. I cuddled my sobbing daughter in my arms, and soon her Clarice laughed. “It’s like this,” she said, imitating old Mr. Gavin’s voice. “Now, when you finish getting me my tea, tears turned to sniffles, and finally subsided completely. As I’d like a custard, but I’d like it in a glass bowl. A small glass I rocked her, her eyes started to flutter. Just before she fell asleep, she looked up at me and smiled, and said two words. bowl. Then I want you to call and see if my pills are ready. Now if they are, could you pick them up? Then, while you’re “Home. Daddy.” With that, she drifted off to sleep. She never cried about going home after that. It seemed there, I want to try that toothpaste they talk about on televithat even though she was very young, once the three of us sion.” were all together again, it was home, even if it was far from Fran laughed. “Now and then, huh?” Call 665-5884 to place your ad here. was atthe little apartment she was familiar with. “Now and then,” Clarice said, smiling as she She somehow understood what too often many of us fortacked by curlers. get, that home is not so much a place, but it is about being with those we love. www.missourivalleyshopper.com CLASSIFIEDS! Admission Home INTERESTED IN THIS SPOT? Call 665-5884 to place your ad here. BUY • SELL• TRADE By Daris Howard Visit our Web site at Intermediate Sudoku Puzzles by KrazyDad MV Shopper M I S S O U R I VA L L E Y strive to create leaders in wildland must www.missourivalleyshopper.com have their Incident Command fire. 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