March 5, 2019 • Page 2 shop online at www.missourivalleyshopper.com MV Shopper M I S S O U R I VA L L E Y Dave Says Investigate Your Options CLASSIFIEDS IN PRINT & ONLINE To place your ad call... 605.665.5884 Dave RAMSEY Dear Dave, I’m single and a firefighter, and we have a pension plus a 457(b) retirement plan. I’m not contributing to the 457(b) right now, because I’m following your plan and in Baby Step 2, which is paying off debt. Our retirement plan is managed by a big life insurance company, but I know you don’t like the idea of using insurance companies when it comes to investing. Can you give me a little guidance? Dustin Dear Dustin, I’d max out a Roth IRA, which would be $6,000 a year in your case, before I did anything with the 457(b). That may not take you to the level I recommend—which is putting 15 percent of your income toward retirement—so then I’d investigate the options offered by the insurance company that’s managing your 457(b). When you have a look at the options available to you within the 457(b), you’ll need to pay special attention to two things—the fees, this is where they’ll kill you, and the rates of return. If they are somehow accessing mutual funds, and you can get stock market-like rates of return— I’m talking about a 10 to 12 percent average over many years—then I’d put some in there. Still, warning sirens in my head go off when I hear that a life insurance company is running a 457(b). Investing through a life insurance company is a bad idea 100 percent of the time. Now, is it a bad enough idea in this case to avoid it altogether? It may be an okay idea in this specific instance, but chances are it won’t be anything you’ll look at later and be blown away by great results. That kind of thing just isn’t going to happen when you wrap an insurance company, or life insurance, around investing. I mean, you don’t go to a transmission shop to get your muffler fixed. It’s just not what they do! —Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-selling 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. Go To cjatthelake.com For Events & Menu Specials! Great Food – Fantastic View – Awesome Wild Animal Display erested in this spot? all 665-5884 to e your ad here. C.J.’s at the Lake INTERESTED IN THIS SPOT? Weigand Rd. NE Side Of your ad here. Call 665-5884 to View –The Lake Wild Animal Display Great Food – Fantastic place Awesome • 402-388-4267 Friday Night Fish and Shrimp Buffet Sunday Breakfast Buffet Only $11.95 www.missourivalleyshopper.com Only $8.79 Book Your Next Party At CJ’s! Call 402-388-4267 nterested in this spot? all 665-5884 to e your ad here. www.missourivalleyshopper.com St. John’s Parish Annual www.missourivalleyshopper.com Friday, March 8 Snow Date: March 15 Serving 5-9 p.m. at St. John’s Parish Center, Fordyce, NE Menu: Fried Pollock, Potato Salad, Coleslaw, This coming Saturday, I’ll probably be right here in New Mexico. Well, most of me will. But my heart and my wishes and part of my soul www.missourivalleyshopper.com will be many miles from here, up in Anchorage, Alaska. Anchorage. First Saturday in March. Dog trucks with freight sleds Visit our Web site at lashed to the top of the dog boxes. www.missourivalleyshopper.com For 46 years now, this has meant only one thing to me: the start of the Iditarod Dogsled Race. A thousand miles. Anchorage to Nome. There will be screaming dogs, lunging into Visit our their harnesses at the start line. One Web site at team released every two minutes to www.missourivalleyshopper.com prevent what would certainly be a world-record dog fight. Six or eight men and women holding the dogs and the sled. Two minutes. Go! And in a flash the team and the musher are gone, silently, rounding a corner and being lovingly consumed by the birch forest. In 1973, for the first race, I was lucky enough to be one of those mushers. I didn’t finish, sorry to say. Crushed an ankle about 300 miles in. But I know what it’s like for those men and women out on the trail with those dogs, and the snow and cold, and sometimes the wind. And getting that evening fire going, and melting snow for dog water, and heating up a frozen piroshki for your own dinner. And then sinking into sleep, won- dering what tomorrow will bring. That part, you see, hasn’t changed in 46 years. In fact, that part hasn’t changed since the gold rush of around 1910 when the trail was first established. So I may still be here in mesa country on Saturday, but I’ll also be there, with the men and women and dogs, hearing the roaring of the crowds and then the hush of a thousand-plus miles of silent, frozen country. Packed trails and healthy dogs, mushers. That’s the wish from Seven-Dog Slim. It’s a very long way to Nome. Baked Beans, Bun and Refreshments erested in his spot? To Go Orders Start Visit our Web site at 6:30 p.m. At 4:30 p.m. to 402-357-2322 www.missourivalleyshopper.com Sponsored by Wiebelhaus Trucking Adults: $10 Kids 6-12 yr: $5 Kids 5 and under: Free Visit our Web site at www.missourivalleyshopper.com Fordyce, NE • 402-841-5625 all 665-5884 to ce your ad here. YOU NEED IT TODAY? NO PROBLEM! FAX IT 605-665-5882 Missouri Valley Yankton interactive Want your business to be seen? Get your display ad here! Call 605-665-5884 Or Drop By At 319 Walnut St. 216 W. 4th St. • YANKTON,SD 605-665-5884 Shopper terested in this spot? 665-5884 to place your ad here. 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This is a FREE app so download today!! Tire Rep will be available in Lesterville March 14th from 10 a.m.-3 p.m. & serving lunch in Lesterville 11 a.m.–1:30 p.m. • Seed • Fertilizer • Chemicals • Fuel • Building Materials “All sales must be cash & paid before sale ends.” $7 off oil changes $45 off set of 4 Toyo passenger or light truck tires 50¢ off package Cenex oil 10% off boxes of grease 152 S. Lidice • Tabor 104 Main St. • Lesterville 605-463-2565 605-364-7522 “Your local leader in agricultural service and supply since 1958”