April 23, 2019 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Budget Billing For Utilities? Dear Dave, I’m just starting my debt-free journey and trying to lay out a budget. What are your thoughts on budget billing for utilities? Ryan Dear Ryan, I think it’s wonderful! There’s absolutely nothing wrong with it at all. For a lot of folks, especially those in your situation, it helps smooth out utility payments and make them a little more manageable. Dave In most budget billing scenarios, they add up your utility bill for the last 12 months and divide that total by twelve to determine a fixed billing amount for the next twelve months. It can make things so much easier when you’re first starting to live on a budget, and you don’t have a lot of wiggle room where your finances are concerned. I’m glad you’re taking steps to get control of your money, Ryan. You can do this! —Dave RAMSEY Dear Dave, Dear Dave, Emergency Fund For Business? I have my own small business. My annual sales are just over $100,000, and I have a couple of months in administrative and general expenses set aside. Should I have an emergency fund for my company, too? If so, how much? Taylor It was just one of those things. It didn’t really mean Marvin Pincus had lost his mind. Consider this yourself for a minute. Marvin had opened the mail that morning and in it was the Fenwick glass fly rod he’d ordered. Oh, it was used, of course. But there’s a feel to a Fenwick that only a man dedicated to a life of using dry flies can appreciate. Marvin had broken his ankle the previous week and was Dear Taylor, temporarily in a wheelchair. It was his right ankle, so he This is a great question! I like the idea of a small business having six months of expenses set aside in an emer- couldn’t drive down to the creek. And there, in his hands, was the Fenwick. He put it together, attached a reel and some gency fund. A financial cushion like that provides peace four-weight line and set it on the couch and looked at it. of mind and options. Also, it eliminates the need for Marjorie was off visiting her sister, so she couldn’t help borrowing money. With that kind of cash sitting around, him. But there’s a pull, an irresistible draw to a fly rod. He you basically become your own line of credit. had to cast it. Now. When it comes to personal finance, I usually recomIt took Marvin about 20 minutes to negotiate the front mend setting aside an emergency fund of three to six steps with that wheelchair and the Fenwick. Finally, he nemonths of expenses—depending on a person’s overall gotiated the sidewalk and then the edge of the street itself. financial condition. But the basic idea is the same, reUp came the Fenwick. A few swishes in the air told Marvin gardless of whether you’re talking about personal finance he’d done the right thing in ordering the rod. So he ran out or the financial health of your small business. some line and began casting. About halfway across the street An entrepreneur has enough to worry about on a day- was a large mulberry leaf. He did a double haul on the line to-day basis. Having a fully-funded emergency fund for and sent the fly toward the leaf. It took several tries before your business can turn a disaster into nothing more than he hit it, but when he made that cast, you could’ve sold ticka minor inconvenience! ets to it. His fly came to rest about three feet above the leaf and then fluttered gently down onto its target. Marvin’s smile —Dave said it all. * Dave Ramsey is America’s trusted voice on money and Then the school bus came around the corner full of kids business, and CEO of Ramsey Solutions. He has authored heading home, and Marvin realized he was casting a fly rod seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million from a wheelchair onto dry pavement. “Hi Mr. Pincus!” yelled one of the kids. “Catch anything?” listeners each week on 575 radio stations and multiple digital “A little slow today, Billy,” he yelled back. platforms. Follow Dave on Twitter at @DaveRamsey and on “Isn’t it hard to catch fish without water?” Billy yelled. the web at daveramsey.com. “It’s okay, son,” Marvin said with a grin. “I’m using a dry fly!” COUNTRY FORD Job Hunting? The Help Wanted section can help. There’s something for everyone in the Shopper! Place your ad now: 605-665-5884 PIERRE, S.D.—Early churches and an Aberdeen bakery are featured in the annual historic preservation issue of “South Dakota History,” the quarterly journal of the South Dakota State Historical Society. 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Couser illustrates the influence that one immigrant family had on the development of the town. German Russian immigrants Paul and Catherine Burckhard opened their Aberdeen bakery in 1906. Over the decades, the Burckhard family adapted their products and practices to keep the business viable into the late 20th century. Couser grew up in Aberdeen and is a former director of the newborn intensive care unit and neonatal research rakes 30320 Ford Ave. Tyndall, SD 57066 www.countryfordsales.net shawnboese@gmail.com Office: (605) 589-3362 (888) 877-5035 Cell: (605) 670-1299 spoons Shawn Boese Churches, Aberdeen Bakery Highlighted In “South Dakota History”