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August 6, 2019 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Adjust Our Emergency Fund? Micro Investing Apps? Dear Dave, My husband and I have been married five years, and we’ve decided we want to have children. We’ve both been working full time since our wedding, and we were wondering if we should adjust our emergency fund and retirement investing to accommodate all the upcoming life changes that go along with having a bigger family. Rachel Dear Dave, What is your opinion on micro investing apps like Acorns and Betterment? Are these good vehicles for building wealth in the long term, and are there any major drawbacks to these types of services? Alex Dear Alex, I’m not saying there’s anything really wrong with Acorns or Betterment, but they do different things. Acorns is more of an invest pennies, round-up kind of program, where Betterment is kind of a robo-investing Dave Dear Rachel, deal. When it comes to an emergency Here’s the thing. Micro investing is going to create fund, I’d stick with what I recommicro wealth. And the big downside is you’re going to mend in the Baby Steps. A good emergency fund of three feel like you did something important. The way you end to six months of expenses should be fine. If you feel safer up with money is by investing money. The way you end leaning toward the six-month side, that’s fine. As far as up with more money is by investing more money. You investing is concerned, that’s Baby Step 4. This means 15 can argue all you want that using things like these create percent of your household income going toward retireextra money. Yeah, but not really. The returns are still ment. None of that really changes. micro. An app doesn’t make two dollars turn into twenty Now, with another person in the house, your day-todollars. day expenses are going to increase. That’ll make it even It’s okay to use apps like that. I’m not mad at them, more important to make sure you’re living on a written and I don’t think they’re a rip-off. What worries me about monthly budget. What you don’t want to do, is quit your these kinds of things, in an investing sense, is they give job to come home and be a full-time mom, then find yourthe illusion that you’ve done something significant with selves dipping into the emergency fund. Being a stay-atyour money. home mom is fine. It’s a wonderful thing if you can afford —Dave it. But if that’s the plan you need to budget accordingly, and practice living on just your husband’s income before you quit your job. * Dave Ramsey is America’s trusted voice on money and God bless you two, Rachel! business, and CEO of Ramsey Solutions. He has authored —Dave 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. RAMSEY erested in this spot? ll 665-5884 to e your ad here. nterested in this spot? all 665-5884 to e your ad here. It was Doc who first ed to Dud, and we both noticed Dud’s strange be- stopped fishing and walked havior. over to see what our longI was too busy trying to time pal was up to. put an elk-hair caddis fly on Dud would look around a size 16 just beyond that in the air, then make a onebig smooth rock on Lewis handed grab at the air. Creek. I know there’s a big After several grabs, he’d rainbow trout in that hole take two fingers of his INTERESTED IN other hand, put there, you see, and thereTHIS SPOT? them in his Call 665-5884 to place your ad here. is nothing more important, clenched fist, and wiggle on a summer morning like around. Then he’d smile this one, than enticing that and open his fist and look big rascal into deliver- in the air again. Doc and I ing himself to my waiting looked silently at each othhands. er, wondering how long it But Doc noticed that would take from our day of Dud had laid his fly rod fishing to get Dud delivered down in the bushes and to the nervous hospital in was doing strange things the city. with his hands. Finally, Doc “Dud,” said Doc, “how’s got my attention, point- the fishing?” “Huh? Oh hi. Not fishing right now, Doc. Experimenting.” “Experimenting?” I said. Of course, I said this automatically, forgetting for a moment how time consuming it could be to start Dud explaining things of a scientific nature. “Natural selection,” Dud said, proudly. “Survival of the fittest. Yes, I decided to spend my morning www.missourivalleyshopper.com in Darwinian pursuits, making the world a safer place for mankind.” Doc looked at me. “He’s Visit our Web site at talking like that again,” he www.missourivalleyshopper.com said. “Well, Doc,” said Dud, “you, of all people, should be able to appreciate what I’m doing. Visit our all, you’re After a man of science and a Web site at healer. I’m going to rid the www.missourivalleyshopper.com world of dangerous diseases. Observe.” Then Dud made anoth- www.missourivalleyshopper.com www.missourivalleyshopper.com www.missourivalleyshopper.com Endless Treasures 206 Walnut, Yankton erested in his spot? ll 665-5884 to ce your ad here. 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Deines Magnun 2300 HT 72” Deck, 225 Hrs. 4,500 $ 2013 Hustler Super 104 104” Deck, 950 Hrs., 35 H.P Kawasaki . 13,950 $ Gravely Rapid XZ 72” Deck, 1,050 Hrs., 25 H.P Kohler . 3,900 $ Walker er grab at the air, and this time we could see he was snatching a mosquito out of the air. Again he used his other hand to do something to the mosquito, and then he released it. “I’m pulling out their drillers,” Dud said. “I figgered if I pull out enough drillers, then sooner or later two drillerless mosquitoes will get married and have pups and then we’ll have a family of drillerless mosquitoes here on Lewis Creek. Without drillers, they won’t be able to pass along yellow fever or malaria to fishermen.” Doc looked at him in a strange way. “Dud, there’s never been anyone get malaria from these Lewis Creek mosquitoes.” “See?” Dud said, brightly. “It’s already working.” Theatre and Friends By Daris Howard I had been helping run the lights for a theatre production in a neighboring community when my wife, Donna, saw a Facebook posting. It was a community events page in one of the sites that she often checks. She saw that there was a posting about a musical that was getting close to production and needed some more men. Donna and I have directed plays in our small rural community in the summer and know how hard it is to get men. Many of them are farmers or are in some way connected to agriculture, and there are not enough hours in the day in the summer for the work they need to do. Once, when we were producing The Music Man, all the men we asked to play Harold Hill turned us down. They were willing to take a small part, but not the lead. I ended up playing the part, along with building the set, helping direct, and doing everything I could on the production. Because of these previous challenges when we have been the directors, Donna suggested that I help answer the post. “But I am just finishing work on the other musical and was looking forward to some time to myself this summer,” I said. “But just imagine if it were us directing again,” she said. “Wouldn’t you appreciate having someone come help?” I had to admit that I would. And having been through that challenge, I finally agreed to help. “But tell the director I am not necessarily looking for time on stage and would be happy with as small of a part as possible.” The director was happy to have me join them and immediately brought me a script. I was not able to attend a lot of practices until the other musical finished, but I worked on my lines and music. I had one song that was particularly hard that I had to sing. When the first musical finished, and I started practices in the new one, I realized how far behind I was. I recorded the songs and my lines and listened to them all day for days while I worked. Finally, I started getting them down and could put my script away. Then the director wanted to add the dance. I couldn’t seem to dance and remember what to sing at the same time, and I messed up a lot. The director recorded us doing the different numbers and posted them to YouTube. “Your assignment,” she said to all of us, “is to go home and watch yourselves and see what problems you have.” The next day she asked if we had done what she requested. I was one of the few who had. “And what did you learn?” she asked. “I learned that I really look fat on stage,” I said. She laughed slightly. “But didn’t you learn anything about how you’re performing the numbers?” “No,” I replied. “I couldn’t get past how fat I look.” Well, I finally did learn the numbers and worked hard to perfect them to the best of my ability. But the main thing I gained was a lot of good friends. Unfortunately, in the other production, being in the light booth, almost no one knew me, and I made few friends. Most of the people in the production thought I was a parent of someone in the cast. The few times I tried to visit with others, they would remind me parents weren’t supposed to be backstage. When I told them I was the person running the lights, one said, “Oh, are you the one the director yells at?” I had to admit that the only time I heard my name yelled through the auditorium was when something on the lights needed to be fixed. But as the second production came to an end, I realized that the true value of being in something like a musical production is in the good friends and good memories a person makes. Nothing else really matters or is really long-lasting. Check out the for great specials at your local restaurants! In Print and Online! Cleanup Assistance Hotline Established To Help South Dakotans PIERRE, S.D. – South Dakota Voluntary Organizations Active in Disasters has created a Cleanup Assistance Hotline to assist South Dakotans with cleanup or debris removal as a result of the winter storm and flooding this year. The phone number is 605-519-5413. The hotline will operate through Aug. 9. The hotline is staffed by volunteers. Callers should leave their phone numbers for a call back by volunteers. Volunteers can help with mucking and gutting homes (removal of dry wall, carpet, etc.), debris removal and other cleanup activities. The hotline will match requests with volunteer partners and will attempt to accommodate as many requests as possible with the volunteer resources available. Calling the hotline is Entertainment not the same as registering with FEMA for possible disaster assistance. Residents who were impacted by the severe weather March 13-April 26 are encouraged to register with FEMA. Homeowners and renters with disaster-related damages can contact FEMA by calling 800-621-3362 (TTY 800-462-7585), registering online at DisasterAssistance.gov, using the FEMA app, or by visiting a Disaster Recovery Center. To find locations of centers, visit www.fema.gov/ DRC. Looking for the best deal in town? Check the CLASSIFIEDS! 60” Deck, 601 Hrs., 27 H.P Kohler . 3,950 $ of Tyndall on Hwy. 50 Corner of Hwys. 50 and 5 miles West www.schuurmansfarmsupply.com 37 Ph. (605) 5 3 89-3909 or Cell (605) 464-111 MV Shopper 319 Walnut St. Yankton, SD 57078 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 605-665-5884
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