June 18, 2019 • Page 2 shop online at www.missourivalleyshopper.com A Fathers’ Day Mystery Dave Says A Course In Day Trading? Dear Dave, I was recently offered an opportunity to participate in a hands-on stock trading class. The problem is we don’t have the $6,500 registration fee just lying around. My husband and I are on Baby Step 4 of your plan, so what would you think about us borrowing that amount from our emergency fund? We would still have three months of expenses set aside after paying for the class. Camille By Daris Howard You Don’t Fake Poor Cindy excitedly came into the sewing room where her mother was busy mending overalls. “Mom, guess what I got Dad for Fathers’ Day!” Janet looked up from her sewing and smiled. “My guess would be some new tool, probably a hammer.” “Oh, Mom,” Cindy said. “You have no imagination.” “Maybe not,” Janet said. “But I do know your father. And that’s what he always asks for for Fathers’ Day.” “You can get him a hammer,” Cindy replied. “I decided to be more creative. I got him some cologne.” Janet smiled. “Cologne. Really? I have bought your father cologne countless times, and do you know how many Dear Camille, times he has worn it? A big fat zero, as far as I know. I have I don’t know the exact course never smelled cologne on him once, and the cologne just Dave you’re talking about, but I do know Dear Jeanette, mysteriously disappears. I figure he just pours it down the something about the concept of So, if a financial planner told you not to get a job drain when I’m not looking.” buying and selling stocks, or day because then you can apply for welfare, are you going to “But I have one advantage you don’t have,” Cindy said. trading, if you want to call it that. I can tell you all the re- listen to that person? What kind of moron gives financial “And just what would that be?” search shows 78 to 84 percent of day traders lose money. advice like this? You don’t tell people not to save money “I’m his favorite daughter.” And one hundred percent think they won’t be the ones for something, just so they can pretend they’re poor! “You only think that because you’re the youngest and losing out. That includes people who take courses like Save whatever money you can, and send your kid to the only one still at home, so he dotes on you a little bit the one you mentioned. school. Why is that such a difficult concept to grasp? too much,” Janet replied. I have found no data points which show, on a consist- People need to stop looking for tricks and shortcuts, be“Nonetheless, I think he will wear cologne if it is a gift ent level across a broad population, that people who take cause there aren’t any that will be beneficial in the long from me,” Cindy said. a course like that become wealthy as a result. Buying run. I’m not going to pose as broke—fraudulently—to get Janet shrugged. “If you can get your father to wear coand selling single stocks is an ultra-high-risk proposition. financial aid for my kid. That’s ridiculous! logne, you’ll be a miracle worker. But you definitely have That’s why I don’t buy any single stocks. Now, I know I hope I wasn’t unclear. my blessing to try.” some people who buy and sell single stocks as a very —Dave Janet helped Cindy find the perfect wrapping paper for small percentage of their financial world. It’s almost like the gift. When Fathers’ Day came, Cindy could hardly wait * Dave Ramsey is America’s trusted voice on money and a hobby for them. A couple might actually make a little for her father to open it. When he did, his enthusiasm and business, and CEO of Ramsey Solutions. He has authored money from time to time, but it’s not the main focus of gratitude seemed boundless. their investment strategy. To hear them, it’s like listening seven best-selling books, including The Total Money Makeo“Do you like it?” Cindy asked. ver. The Dave Ramsey Show is heard by more than 12 million to fishing stories. They’re always talking about the one “I love this stuff,” her father replied. “It is wonderful.” listeners each week on 575 radio stations and multiple digital that got away. Cindy whispered an “I told you so” to her mother, who, platforms. Follow Dave on Twitter at @DaveRamsey and on I wouldn’t waste my money on the course, Camille— in turn, whispered back, “We’ll see.” the web at daveramsey.com. especially my emergency fund money. Your emergency After a couple of weeks had gone by, and Cindy had not fund is for, say it with me, emergencies only! had any indication that her father had worn the cologne, —Dave she asked her mother about it. “I don’t know, Cindy,” Janet replied. “I haven’t seen it since the day you gave it to him. Maybe it has disappeared ¢ Save 10 Off A Gallon Of Gas When You Use Your Sinclair Card to the same mysterious place where all of the others have gone.” Malibu Coconut Rum $ “But do you know if he has worn it?” Cindy asked. 1.75 ML Pendleton Canadian Whisk “I haven’t smelled it, if that’s what you’re asking,” Janet y $ replied. Bring more 1.75 ML At dinner that evening, Cindy asked her father if he enshoppers to Dr. McGillicuddy’s Cherry joyed the cologne. your door with $ Her father nodded. “Absolutely. It’s probably my fa1.75 ML locally vorite kind.” focused Grey Goose Vodka $ After dinner, as Cindy helped her mother wash the 750 ML advertising dishes, they talked about it. $ Kinky Ruby NEW! “Mom, how could dad say he loves the cologne, and from the 750 ML, Grapefruit, Kiwi & Elderflower yet we never smell it? Do you think that he took it to his experts. office and only uses it at work? Is he trying to impress someone there?” Janet smiled. “Cindy, what your father does with cologne may be a mystery, but the kind of man he is isn’t. We’ll Match All Local Advertising Prices! Your father is as simple of a man as there is. He works hard and often says that the best men smell of sweat and dirt from hard work. I’m sure he doesn’t wear it at his job any more than he wears it here. Perhaps it’s just the thought of In Print and Online! his daughter’s love for him that makes it special to him.” Call 665-5884 That was not good enough for Cindy. It just ate at her not knowing what her father did with the cologne. So she raised the issue with him again at dinner the next evening. (Formerly Baldwin Filters) “So, Dad, why is the cologne I gave you one of your favorites?” Her father smiled. “Hon12/16/1951 – 6/5/2019 ey, that stuff takes rust off of bolts like nothing I know of. It would be absolutely perfect if it didn’t stink so To all our friends, family, customers, bad, but I guess anything good has to have some debidders, buyers, sellers & clients – fect.” Thank-you from the bottom of our hearts for all And thus, the cologne the love, prayers and continued support to our mystery was solved. family during this difficult time. Marvin was not just the founder of our company; but he was a husband, a father & a grandfather and he will be greatly missed! Dear Dave, I’ve got a couple of friends who were advised by their financial planners not to open college savings accounts for their kids. Their planners told them this would count against their children’s ability to receive financial aid and assistance when it’s time for college. Apparently, these planners told them to put the money into their own retirement accounts. It’s my understanding, however, that both the child’s and the parent’s financial situations are looked into when determining financial aid. Can you please shed some light on this? Jeanette RAMSEY Prices Best In Town 24.99 43.99 27.99 15.99 Cork N Bottle 30.99 Your Ad Here! 1500 Broadway, 665-3881 We’ll M Local Advertis atch All ing Prices! MV Shopper MV Shopper M I S S O U R I VA L L E Y M I S S O U R I VA L L E Y MARVIN A. GIRARD Career Fair Wednesday, June 26th 2pm to 6pm The Road To Where You Want To Be Starts Here! Book 68 Pat, Carmen, Ken, Mike and the rest of our family & staff MV Shopper MV Shopper M I S S O U R I VA L L E Y Intermediate Sudoku Puzzles by KrazyDad Interviews On Site! Sudoku #1 Fill the puzzle so that every row, every column, and every section contain the numbers 1-9 without repeating a number. Sudoku #2 $1,200 Sign On Bonus! 4 1 8 5 3 Shift Differentials! 2 1 9 1 6 7 In Less Than 30 Days 2 8 Benefits Begin! 7 3 4 5 • Health, Dental & Vision Insurance (4) Blue Cross Blue Shield 2 7 3 Plans to Choose From (3) Dental Plans to Choose From 4 8 7 •Company Paid Short Term 5 Long Term Disability & M I S S O U R I VA L L E Y 1 7 6 2 1 7 9 4 3 2 8 9 1 Book 68: Answers Sudoku 9 5 7 8 2 6 9 5 4 3 8 1 9 5 5 6 1901 Hastings Dr., Yankton 9 3 4 1 7 1 1 8 Sudoku #3 2 7 605-857-8400 5 3 8 6 © 2008 KrazyDad.com INT BOOK 68 #2 INTERMEDIATE Last Tuesday’s 1 2 www.parker.com 5 9 5 Easy Sudoku Puzzles by KrazyDad Sudoku #1 6 9 4 5 1 2 3 #3(Formerly Baldwin 4 9 1 7 8 3 6 Filters) 1 5 2 8 7 3 4 9 1 5 7 2 8 6 3 6 7 4 9 5 2 2 4 8 3 6 1 7 4 3 1 9 8 6 5 8 2 6 1 5 7 9 5 7 9 2 3 4 8 2 7 7 $50,000 Life Insurance •Quarterly Profit Sharing •Retirement 401K Plan © 2008 KrazyDad.com 8 4 3 3 2 6 7 6 1 4 Sudoku Solution #2 2 1 3 6 5 9 7 9 8Sudoku #4 1 6 7 4 3 4 7 5 2 1 8 6 3 2 1 8 7 6 9 7 6 4 9 3 5 8 5 9 8 4 2 1 3 1 3 2 5 9 7 4 8 4 7 1 6 2 5 6 5 9 3 8 4 2 5 7 Sudoku #4 1 9 6 3 2 5 8 4 5 2 3 9 4 5 2 1 7 6 6 8 9 3 1 7 8 4 7 su do ku 7 Check next Tuesday’s paper for 1 2 6 the solution to today’s puzzle. 3 4 EA BOOK 68 #2 1 4 © 2008 KrazyDad.com WE S LD S LD S S LD S S LD S LD S LD S LD S LD LD LD IT IN THE DS CLASSIFIE Bring more shoppers to your door with locally focused advertising from the experts. Your Ad Here! MV Shopper In Print and Online! Call 665-5884 MV Shopper M I S S O U R I VA L L E Y M I S S O U R I VA L L E Y