August 13, 2019 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Insurance Above and Beyond? Theatre and Friends By Daris Howard I had been helping run the lights for a theatre producthrough our employers. Do we need additional coverage? tion in a neighboring community when my wife, Donna, Rebecca saw a Facebook posting. It was a community events page in one of the sites that she often checks. She saw that Dear Rebecca, there was a posting about a musical that was getting close Yes, you both need to find good level term life insurto production and needed some more men. ance immediately! Accidental death and dismemberment Donna and I have directed plays in our small rural compolicies are nothing but gimmicks. You need to make sure munity in the summer and know how hard it is to get men. your family is taken care of in the very best way possible, Many of them are farmers or are in some way connected no matter how you die. to agriculture, and there are not enough hours in the day Dear Wesley, You should always have life insurance coverage that’s in the summer for the work they need to do. Once, when The purpose of life insurance separate from anything an employer may offer. Think we were producing The Music Man, all the men we asked is to take care of your family if about it. You don’t want to suddenly lose coverage if you to play Harold Hill turned us down. They were willing to something unexpected happens change jobs, or have to leave your place of work because take a small part, but not the lead. I ended up playing the Dave to you. You don’t want to buy too you’re diagnosed with a major medical condition. part, along with building the set, helping direct, and domuch, but you should have enough Both of you need 10 to 12 times your yearly incomes ing everything I could on the production. Because of these to ensure that they’re well taken in good, level term life insurance. If you make $50,000 a previous challenges when we have been the directors, care of when you’re not here any longer. year, that means you need $500,000 to $600,000 in cover- Donna suggested that I help answer the post. I usually recommend people have 10 to 12 times their age. Remember, the idea of life insurance is to take the “But I am just finishing work on the other musical and annual income in a good, level term life insurance policy. place of income. If one of you died, the other could invest was looking forward to some time to myself this summer,” However, if you have a solid reason to believe your the insurance money, make 10 percent on that money I said. income will be jumping significantly soon, there’s nothing over time with good mutual funds, and replace any lost “But just imagine if it were us directing again,” she said. wrong with basing your coverage amount on that figure— income. “Wouldn’t you appreciate having someone come help?” if you can afford it, of course. Term life insurance is very affordable. For just a few I had to admit that I would. And having been through Understand that when I say, “solid reason,” I’m not dollars a month you can leave your loved ones in great that challenge, I finally agreed to help. “But tell the directalking about a hopeful attitude. I’m talking about somefinancial shape after you die! tor I am not necessarily looking for time on stage and thing along the lines of finishing a medical residency, —Dave would be happy with as small of a part as possible.” then making the jump to a six-figure income. That’s the The director was happy to have me join them and imkind of logical thinking and planning I’m working with mediately brought me a script. I was not able to attend here. In that scenario, or something similar, a huge jump * Dave Ramsey is America’s trusted voice on INTERESTED IN THIS SPOT?money and a lot of practices until the other musical finished, but I in income is virtually assured. business, and CEO of to place your ad He has authored Call 665-5884 Ramsey Solutions. here. worked on my lines and music. I had one song that was Great question, Wesley! seven best-selling books, including The Total Money Makeoparticularly hard that I had to sing. ver. The Dave Ramsey Show is heard by more than 12 million —Dave When the first musical finished, and I started practices listeners each week on 575 radio stations and multiple digital in the new one, I realized how far behind I was. I recorded platforms. Follow Dave on Twitter at @DaveRamsey and on Call 665-5884 to www.missourivalleyshopper.com the songs and my lines and listened to them all day for the web at daveramsey.com. days while I worked. Finally, I started getting them down place your ad here. and could put my script away. Then the director wanted Term Life Insurance, Too? to add the dance. I couldn’t seem to dance and remember Dear Dave, Visit our Web site at what to sing at the same time, and I messed up a lot. My husband and I are wondering if we need term www.missourivalleyshopper.comus doing the different numbers The director recorded life insurance policies. We both have accidental death and posted them to YouTube. “Your assignment,” she said and dismemberment coverage provided free of charge 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 reVisit our quested. I was one of the few who had. Web site at “And what did you learn?” she asked. www.missourivalleyshopper.com “I learned that I really look fat on stage,” I said. Call 665-5884 to She laughed slightly. “But didn’t you learn anything place your ad here. 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 You have to hand it to Windy. you all coagulated here in an effort riding lawn mower. We spray this on When Alphonse “Windy” Wilson to beatify the yards of our fair town. your lawn, and in ninja-seconds, this to perfect them to the best of my ability. But the main Visit our Interested you chooses to speak, it is a bombastic And what, in may ask, brings me liquor of life perambulates deep into thing I gained site at a lot of good friends. Unfortunately, in Web was this this conflagration? It’s the latest the rootiness of the grass and makes thewww.missourivalleyshopper.com in the light booth, almost no other production, being sampling of creativity. Windy has yet to spot? one knew me, and I made few friends. Most of the people to find a word he can’t make better thing in gardening. Our chairman of it want to grow.” through his own unique methods. Call 665-5884 refers to it as ‘cow pasture the board to He smiled at the group and no- in the production thought I was a parent of someone in the Well, what got him fired up place yourand here. the tea’ ad it nutritionalizes plants right ticed a lot of them were giggling in cast. The few times I tried to visit with others, they would other day was a meeting of the la- down to bedrock. As Dewey says, the appreciation of his talk. He puffed up remind me parents weren’t supposed to be backstage. When I told them I was the person running the lights, one dies of the garden club down at the only way to improve on cow manure and continued. nursery. Windy’s been helping Dewey is to liquidizeNEEDhe hasn’t said it NO PROBLEM!Dewey Decker said, “Oh, are you the one the director yells at?” I had to YOU it. Well, IT TODAY? “And what does the with his manure business on the one yet, but he will. Manure Combine charge for this in- admit that the only time I heard my name yelled through day a week he spends helping others. “Now what exactly is cow pasture compartible service? A mere $10 for the auditorium was when something on the lights needed Today wasn’t a helper day, but he tea you’re undoubtedly asking your- an average-sized lawn. Think about to be fixed. Missouri Valley 216 that, ladies. YANKTON Twenty fifty4th St. • Ten dollars. But as the second production came to an end, I realcouldn’t pass up the audience. selves at this moment. It’s a varietal W.605-665-5884 ,SD Shopper They hadn’t gotten through old combination of composted cow ma- cent pieces. Why you’d spend more ized that the true value of being in something like a musibusiness when Windy stood, smiled, nure, water, and some acid we put in than that on a wedding dress or a trip cal production is in the good friends and good memories a person makes. Nothing else really matters or is really and spoke. there to matriculate it properly into to the Bermudas!” “Dear ladies,” he said, “whatInterested in this spot? an the life-giving succulence we require. A number of the ladies clapped at long-lasting. opera-tune moment this is, finding 665-5884 toput it in your ad here. that, thinking that might satisfy him, Then we place a drum and pull Check out the Call the drum behind a and it did. He smiled and sat. tractor-like conveyHe could get used to this corpofor great specials at your INTERESTED IN THIS SPOT? an rate life. Maybe it wasn’t too late to ance that looks local restaurants! awful lot likeTO old climb the ladder to success. an In Print and Online! CALL 665-5884 PLACE YOUR AD HERE. Dear Dave, When it comes to buying life insurance, should the coverage amount be based solely on current earnings? I have good reason to believe my income is going to increase significantly soon. Wesley RAMSEY Interested in this spot? www.missourivalleyshopper.com Interested in this spot? www.missourivalleyshopper.com www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com FAX IT 605-665-5882 Now Hiring Got A Rock Chip? Herd Co Feedlot Mobile Glass Service near Bartlett, NE has Immediate Openings www.missourivalleyshopper.com office for for General and Skilled Labor. 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