June 11, 2019 • Page 2 shop online at www.missourivalleyshopper.com New Application If You Can’t Afford A 15-Year Mortgage… Deadline for South Dakota Deer Hunters Net Worth And Fast Approaching Umbrella Insurance Dave Says Dear Dave, Is there ever a time when a 30-year mortgage is better than a 15-year mortgage? Julie Dear Julie, Let’s see, how should I put this? No! If you can’t afford a home on a 15-year mortgage, it means you can’t afford the house. Period. If you currently own a house, and the only way to keep from being foreclosed on or going bankrupt is to refinance into a 30-year mortgage, you’d probDave ably do that – but it doesn’t make it better than a 15-year mortgage. You’ll never hear me recommend a 30-year mortgage. I might tolerate one in an extreme situation, but I wouldn’t tell you to go get one. Besides, why would you want to stay in debt for 30 years? Do you have a fear of winning with money? Are you feeling so generous toward the bank that you want to just hand them piles of cash every month for three decades? The average millionaire in this country pays off their mortgage in 10.2 years. Do what smart people do, Julie. Do what people who win with money do. A 15-year, fixed RAMSEY By Daris Howard rate mortgage is the only kind of home loan I recommend! —Dave Dear Dave, At what point, where your net worth is concerned, should you consider additional umbrella insurance? Kyle Dear Kyle, You can buy an additional $1 million in liability insurance for your home and car for around $250 a year. Why would you want that? If you were a target. Why would you be a target? If you have a net worth of $500,000 to $1,000,000 or more. You might also be a target if you just have a really good income and make a lot of money. In either case, you’d want to pick up a liability umbrella policy. Good question! —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. PIERRE, S.D. – The deadline to apply for the six most popular firearm deer hunting seasons is fast approaching. Application deadlines for the East River, West River, Black Hills, Muzzleloader, Custer State Park, and Refuge deer hunting seasons must be postmarked by June 14. The deadline for online applications is 8 a.m. CDT on June 19. "This is a big change for our deer hunters, so the Department is taking extra steps to ensure hunters are aware of the change," said Game, Fish and Parks Deputy Secretary Kevin Robling. "Over 65,000 people hunt deer in this state and look forward to the opportunity each year”. Robling said that while a good number of hunters have already submitted applications, the majority have not. "We know that most deer hunters apply during those last few days. We want to make sure everyone who is looking to hunt deer in South Dakota is aware of the new application deadline". The Strange Date Continued from Last Week... Rochelle, my roommate Joe’s fiancée, had asked me to join Joe, her, and her parents as a date for her sister Mauren. But when we got to the concert, Mauren told me she hated men, athletes, and me, because I was both. Neither of us said anything for the rest of the concert, and I hardly dared move, always expecting another outburst from her. As we walked the ladies home, I suddenly realized Mauren and I were alone. I was so focused on getting her back to Rochelle’s apartment quickly that when the others slipped off, I hadn’t noticed. I felt awkward as Mauren and I approached the door, but I was determined to be as gentlemanly as possible to the end. I turned to her and tried to smile. “Mauren, I’m sorry I was not the company you wanted tonight, but I’m glad I got to meet you.” I braced myself, expecting her to yell at me again. But she did something unexpected. She smiled. And then she reached out, squeezed my hand, and thanked me for the date before slipping into the apartment. I stood there in shock. I walked slowly to my apartment, thinking I would never understand females. I went in and just sat in a chair, feeling too bewildered to go to bed. Eventually, Joe and Rochelle came in. “Where did you all disappear to?” I asked. “We decided to take a different route so you two could be alone,” Rochelle said. “We wanted Mauren to see you would be a gentleman even without us there.” “But why did you ask me to go with her in the first place if you knew she’d hate me?” “She doesn’t really hate you,” Rochelle said. “She’s a super athlete and has only dated arrogant athletes who only had one thing on their minds. When I talked to her about going with you, and she learned you were a wrestler, she said no. But she finally agreed to at least meet you.” “And that was a disaster, with me up to my elbows in dish soap.” Rochelle laughed. “That’s the only reason she agreed to go out with you.” “Well, I guess with what she said, we all know what she truly thought of me and the whole date.” I was happy it was all over. The next evening, Joe, Rochelle’s dad, and I had just eaten dinner when the three ladies showed up at our apartment. 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