August 20, 2019 • Page 2 shop online at www.missourivalleyshopper.com Help Us Raise $ For Our School! Country Ford is excited to to host a Ford Drive 4 UR School fundraiser Friday, August 30th 5pm to 7pm A Little Drive Could Go A Long Way! Bon Homme High School parking lot in Tyndall, SD Pre-Register at: http://d4ur.com/6X9B4 *NO PURCHASE NECESSARY. MUST BE 18 YEARS OF AGE OR OLDER WITH A VALID DRIVERS LICENSE AND VALID AUTOMOBILE INSURANCE. Donation of $20 per test drive, up to 300 total test-drives, for a maximum total donation of $6,000 per event. Limit (1) donation per person and (1) donation per household. Take a free test drive & Ford Motor Company will donate $20 to our school for total of up to $6,000 Dave Says Why Do I Need A Will If I’m Young Dear Dave, Why do I need a will if I’m still young and haven’t acquired a lot of wealth? Laura Dear Laura, In a case like yours, you don’t need a complicated will. But you do need an inexpensive, basic will. The larger and more complicated your estate is, the more you’d spend on estate planning and a will in order to ensure everything is properly addressed—and to keep the government’s hands off every- $90,000 a year. In addition to this, we have almost $60,000 in equity in our home. We also have a toddler, plus another baby on the way. Do you think we should sell the house, and rent for a few years, while using the money from the sale of the house to pay down our student loan debt? Chris Dear Chris, No, I wouldn’t sell your home in this situation. You’re going to be out of debt in a couple of years or so, anyway. You’ll just have to lean into it, and make sure you’re living on a strict, written budget. I’m talking about no vacaDave tions, and no eating out. You shouldn’t see the inside of a restaurant unless you’re working there. And the new kid’s crib may have to come from a garage sale, but so what? thing. Mine did, too. Want to know something else? I survived Let’s say you’re in your early- to mid-twenties and without having a rich kid’s nursery, and so did my kids. single. You have a car and a bank account, and that’s There’s a price to be paid anytime you decide to get it. In this kind of scenario, it’s going to be easy to work serious about gaining control of your money and cleaning through your estate. But it’s going to take your parents— up a financial mess you’ve made. You’re going to have or whoever’s left—a whole lot longer to get those few to work like maniacs and have no lives for a while. That simple transactions taken care of if you don’t have a will might even mean picking up a part-time job at night or on in place. weekends. You’ve got a tough couple of years ahead of The other thing you’ll always want to have in your will you, but I think it’s worth the tradeoff. package is a healthcare power of attorney directive. This Keep your house. includes things like who’s going to make medical deci—Dave sions for you if you’re unable to make decisions for yourself. As a part of this, you’d want to fill out the paperwork on whether to disconnect life support systems in the * Dave Ramsey is America’s trusted voice on money and event of a coma. These things aren’t fun to think about, business, and CEO of Ramsey Solutions. He has authored but doing it will take a huge burden off the people you seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million love. And all this becomes even more important if you listeners each week on 575 radio stations and multiple digital have children, because the state will step in and decide platforms. Follow Dave on Twitter at @DaveRamsey and on what happens to them if you don’t. the web at daveramsey.com. Having these things laid out ahead of time, and sharing them with your family and close friends, is a very thoughtful and mature thing to do for those who would be left behind in the event of your death. They’re already going to be distraught and grieving, and you don’t want to make it worse by leaving them with a lot of important, difficult decisions to make. —Dave RAMSEY Keep The House Dear Dave, My wife and I are on Baby Step 2, and the only debt we have is $90,000 in student loans. We bring home about 10th Annual BRANDON, SD Citywide Fall ummage Sales Friday, Aug. 23rd Saturday, Aug. 24th OVER 60 SALES! A list of addresses & items available online at... www.BrandonRummages.com Cleanup Assistance Hotline Extended In South Dakota PIERRE, S.D. – The Cleanup Assistance Hotline established by South Dakota Voluntary Organizations Active in Disasters has been extended until Aug. 16. The phone number is 605-519-5413. The hotline was established to assist South Dakotans with cleanup or debris removal as a result of the winter storm and flooding this year. 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. Yankton Citywide Rummage Weekend Of th September 6 All Ads Will Run September 5th, 6th & 7th in the P&D for just $30 30 words and $.20 per word after 30. ONLY ONE ADDRESS ALLOWED IN EACH AD. INCLUDES: Stop By The Press & Dakotan To Place Your Ad OR email ads@yankton.net • Your ad (30 words, 1 address per ad) placed in the Citywide Rummage Sale section published September 5-7 • Your ad will also appear on-line at www.yankton.net • 2 Yard Signs Sponsored by the: DEADLINE: 5PM, FRIDAY, AUGUST 30 TH How to Keep Back to School Time from Busting Your Budget By Rachel Cruze I remember as I was growing up, I always thought school was free. I mean, I understood that private school costs money, but I went to public school, and I didn’t think a whole lot about the expenses associated with it. Now that I’m older, I realize how much parents actually spend on their kids when they go back to school. In fact, the National Retail Federation reports parents plan to spend $696 on back-to-school supplies this year. Isn’t that crazy? There are the obvious school supplies like notebooks, markers (my favorite!), and backpacks. And as a kid, I always needed new clothes and shoes. But there’s not-soobvious ones that nickel-and-dime you to death. One of my coworkers told me that he had to buy football gear for his son that totaled $260. Understandably, it gave him a bit of sticker shock. There’s nothing wrong with paying for this kind of thing if you have the money, but you still need to have a plan for how you’re going to pay for it. As the school year is gearing back up, it’s important to make a list of things you need to budget for. So, think about these categories and come up with a dollar amount you plan to spend in each one: • School supplies • Uniforms • Sports equipment • Fall clothes and shoes • Meal plans • Fees for clubs, sports, band, and other extracurricular activities I’d like to point out that this is a great time of year to teach your kids that money isn’t in infinite supply. Teach them the value of working within a budget! They don’t need the trendy name-brand shoes, or the flashy notebook that costs more. You’re setting your kids up to win when they understand money can—and often does—run out. Now, if you’ve already busted your back-to-school budget, here’s what you can do: Get your budget back on track. Where can you cut back this month to make up for the overspending? Is there anything lying around the house you can sell? Can you pick up some extra hours at work? Plan for future school expenses. Once school is back in session, there will be other costs that come up. School pictures, yearbooks, field trips and more extracurricular activities are just around the corner. And now you know how to get ahead of them! I know paying for all these school expenses can feel overwhelming, but if you plan ahead and pay with cash, you’ll feel a lot better when September rolls around! About Rachel Cruze As a #1 New York Times bestselling author, host of The Rachel Cruze Show, and The Rachel Cruze Show podcast, Rachel helps people learn the proper ways to handle money and stay out of debt. She’s authored three best-selling books, including Love Your Life, Not Theirs and Smart Money Smart Kids, which she co-wrote with her father, Dave Ramsey. You can follow Cruze on Twitter and Instagram at @RachelCruze and online at www.rachelcruze.com, youtube.com/ rachelcruze or facebook.com/rachelramseycruze. Yankton Trailers is MOVING! Sept. 1st they will be 4 miles south of Yankton on Hwy 81 Moving Sale going on now – must sell- very reasonable – small kitchen, refrigerator, microwave, office chairs, misc. cabinets & shelves, chain hoists and stands used to unload trailers, Ford 4-wheel drive tractor with loader. See at Yankton Trailers on East Hwy 50 in Yankton. 9-5 Daily, 9-3 Saturday. 2 miles West of Madison, SD on Hwy 34 • 1-605-256-3644 • www.prairievillage.org Save 10¢ Off A Gallon Of Gas When You Use Your Sinclair Card Grey Goose Vodka $49.99 1.75 ML Black Velvet Whiskey $15.9 9 1.75 ML Windsor Canadian Whisky $ st Prices Be In Town 15.99 1.75 ML Lord Calvert Canadian Whisk y 15.99 1.75 ML $ Pendleton Whisky With Belt Buckle! Cork N Bottle 44.99 1.75 ML $ 1500 Broadway, 665-3881 We’ll Match All Local Advertising Prices!