September 24, 2019 • Page 10 shop online at www.missourivalleyshopper.com Retirement Sale! Brunick l p Large Grouies, r Of Accesso Tables nd Lamps & E 0% OFF 5 Fina ns kdow Mar FURNITURE & FLOORING Huge Discounts On All In Stock Flooring! Carpet • Wo od • L aminate • LV P 3 Lies About Car Payments Car payments are so prevalent in society today that people think they’re a normal part of life. But if you took the average car payment of $545 and invested it into a Roth IRA instead, 30 years later you’d be sitting on a cool $1.4 million. Look, I like my car, too—but not that much! For me, that’s motivation enough to save up and Rachael pay cash for a car instead of financing one. But I get plenty of objections to this way of thinking. Here are some of the excuses I hear. And the truth about them: more room? Yes. Do you want your baby to be safe in the car? Yes! But those things don’t equal a new SUV. Safe does not equal new. There are plenty of safe, pre-owned cars out there. And you shouldn’t let your desire to keep up with the Joneses drive your money habits and decisions. The Joneses are broke. Keeping up with broke people who are just trying to look rich is a really bad plan. 3. “How am I supposed to buy a car without a car loan?” Save up and pay cash for your cars. Yep, I mean it! All it takes is making the decision to pay yourself instead of the bank. If you have a car loan, go crazy and pay it off quickly. Or, sell it to get the process rolling to pay yourself instead of the bank. The first car you buy with cash might not be your 1. “But the 0% interest rate is a great deal!” dream car, but that’s okay. Just because it’s not your No, it’s not. That new car starts losing value the indream car doesn’t mean it has to be a junker. Pick out a stant you drive it off the lot. car with a body style that doesn’t change often. I can’t From the first month of ownership, you’d owe more on tell you how many luxury-brand cars I see on the road, your car than it’s worth. Four years later, you’d still have and yet have no idea what year they were made. a year or two of payments left, but your car would’ve lost The moral of the story is simple. Own your cars. Don’t most of its value. let them own you! And let’s not forget that 0% is not the same as cash, and not everyone who falls for the 0% marketing pitch actually qualifies for the deal. But by then, you’re already About Rachel Cruze in love with the car of your dreams and are willing to sign As a #1 New York Times best-selling author, host of The Rachel Cruze Show, and The Rachel Cruze Show podcast, Rachel helps anything to drive it home. And of course, some of those people learn the proper ways to handle money and stay out “deals” aren’t quite as attractive once you read the fine of debt. She’s authored three best-selling books, including Love print. Your Life, Not Theirs and Smart Money Smart Kids, which she Making money off car loans is their business. You’re co-wrote with her father, Dave Ramsey. You can follow Cruze not outsmarting anyone! on Twitter and Instagram at @RachelCruze and online at rachelcruze.com, youtube.com/rachelcruze or facebook.com/ 2. “I just had a baby, so I need a ‘safe’ car. . . like a rachelramseycruze. new Tahoe.” This is one I hear all the time from people I know who have kids—especially new parents. Do babies take up CRUZE eA Tak D ort Sh 1100 W. Cherry, Vermillion 605-624-8688 brunickfurniture.com e riv TYNDALL MOTORS Taking Care of Heroes – An Unending Legacy We have learned throughout our history that we can depend upon young Americans to step forward -- like many of us did -- when our country called. That spirit of patriotism and service is perhaps our greatest national treasure, and the most special of blessings. This month we have had two great events to honor and pay tribute to the men and women that served this great country. On September 9, we gathered in Sioux Falls for the groundbreaking ceremony for the new state veteran’s cemetery. Dirt work on this project will begin this fall. The first phase of the project will include the construction of the main entrance, roads, flag assembly area, maintenance building, scattering garden, committal service shelter, avenue of flags, a memorial wall, 610 pre-placed crypts, 999 in-ground cremains sites, 660 columbarium niches, 50 memorial wall markers; all in a beautifully landscaped setting in accordance with existing standards set by the United States Department of Veterans Affairs. Hours of rain and wind didn’t deter veterans, speakers, or guests. This ceremony confirmed the commitment and dedication of our veterans. No matter the weather conditions they stand ready for the mission at hand. On September 20th, state officials, community leaders, veterans and guests gathered in Hot Springs for the 130th anniversary of the State Veterans Home. Residents, staff, buildings and titles of the Home may have changed; but the one thing that never changed during the 130 years is the commitment, dedication, and service that the staff, volunteers and partners have provided our heroes at the Michael J. Fitzmaurice State Veterans Home. Our Home has, and continues to, offer a quality of life which emphasizes privacy, encourages independence, provides comfort and security and meets social needs. Our Home embraces a person-centered approach to caring for our residents. As veterans age and different era veterans become residents, we are prepared to meet the challenges of these changing needs. Our staff continues to expand and introduce new programs designed to best meet the current, ongoing, and upcoming needs of all veterans. Caring for and maximizing the overall health, welfare and quality of life of South Dakota veterans has been, and will always be, our top priority. We encourage you to follow us on Facebook or check out our calendar of events on our web page - https:// vetaffairs.sd.gov/publicaffairs/upcomingevents.aspx. There are so many great events for veterans. $ SCORE A WINNING DE AL! 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