March 3, 2020 • Page 2 shop online at www.missourivalleyshopper.com An Honest Swim Check Dave Says There’s A Better Idea Dear Dave, My husband and I had our first child in December. We bought a house not long before the baby was born, and since then we’ve been getting mail and phone calls about buying mortgage protection insurance. We’re both 27, we have good jobs, and our mortgage is $105,000. Would it be a good idea to get this insurance? Rachel Think Of It As Murphy Insurance By Daris Howard Dear Dave, I was thinking about putting my emergency fund savings into a balanced mutual fund. Would this be a good idea? Trey Dear Trey, You should never put your emergency fund into anyDave thing that can go down in value, or anything that charges Dear Rachel, penalties for early withdrawals. I recommend putting it Mortgage insurance is really into a good money market account with check-writing nothing more than a life insurance privileges. policy with the word “mortgage” stuck on the front. They Remember, your emergency fund is insurance. It is make it sound like a specialized product, and they jack not an investment. That three to six months of expenses the price up. The truth is it’s just a big rip-off in most you’ve saved has one purpose and one purpose only—to cases. protect you, your family, and your stuff against the unexIf you two are healthy, you both could easily get pected. You know how Murphy’s Law says anything that www.missourivalleyshopper.com www.missourivalleyshopper.com $250,000 on 20-year level term life insurance policies, for can go wrong will go wrong? Think of your emergency around $12 a month. Then, if something happened to one fund as Murphy repellant. of you, the other could pay off the house with the insurThat’s one of the reasons an emergency fund is so imance money and still have a nice chunk left over. portant. If you don’t have one, and something unexpectHowever, I recommend going a little further. My advice ed happens, you’re likely to end up borrowing money is for each of you to get good, level term life insurance— from the bank, or cashing out retirement savings to fix not just to cover your mortgage—but for 10 to 12 times things. So, don’t worry about investing this money. Just your annual incomes. Both of you should have sensible park it, and think of it as an insurance policy for when plans in place to take care of your family now, and in the Murphy comes knocking at the door! future, should something unfortunate happen. —Dave And Congratulations! God bless you two and your new baby! * Dave Ramsey is America’s trusted voice on money and —Dave business, and CEO of Ramsey Solutions. He has authored 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 www.missourivalleyshopper.com www.missourivalleyshopper.com www.missourivalleyshopper.com www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com BridgeWeb site at Visit our Improvement Grant Visit our Web site at www.missourivalleyshopper.com Announced Recipients www.missourivalleyshopper.com PIERRE, S.D. – The South Aurora County, Beadle County (2), City of Belle Dakota Transportation www.missourivalleyshopper.com Fourche, Bon Homme Commission awarded County, Brookings County, 27 Preservation, Butte County (3), Davison Rehabilitation, and County, Day County, Replacement Bridge Hamlin County, City of Improvement Grants (BIG) Huron, Lake County, totaling approximately Lawrence County (2), $14 million to local Marshall County, Mellette governments at their County, City of Mitchell, meeting today in Pierre. City of Sioux Falls (4), City Grant recipients are: www.missourivalleyshopper.com applications. of Spearfish, Spink County, Local governments Stanley County, and City of www.missourivalleyshopper.com are required to pay a Watertown. minimum of 20 percent The South Dakota matching funds and have Department of three years to expend the Transportation received grant. Counties must have forty-one applications a wheel tax and a fivetotaling $29.3 million year Highway and Bridge in project costs. Six Improvement Plan in order cities submitted nine to receive a grant. applications and 19 The $15 million BIG counties submitted 32 program was created in 2015 which is funded through $7 million per year from funds generated by license plate fees and $8 million from the SDDOT. The next round of BIG program applications are due Aug. 1, 2020, for the Preliminary Engineering category. For more information regarding the BIG program, contact Doug Kinniburgh at 605-773-4284 or visit the SDDOT website: Bridge Improvement Grants. www.missourivalleyshopper.com www.missourivalleyshopper.com www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com SUPER Visit our Web site at www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com SALES EVENT When I became scoutmaster, I promised the boys I would work with them on any good thing that they wanted to do. They soon learned, however, that there were things I wasn’t fond of. Swimming was one of them. When I had to complete the scoutmaster swim certification, I thought I was going to drown, and so did the boys. That was why we hadn’t even arrived at scout camp before Gordy started teasing me about passing the swim check. “Are you even going to try?” he asked me as we neared the camp. “I’m not only going to try,” I replied, “I’m going to do it.” “We only have one week up here,” Gordy said. “Don’t you need something like six months just to get in shape?” “Ha, ha,” I replied. “Maybe I will pass mine off before you do yours.” I knew Gordy disliked swimming more than any other boy in our troop, so it seemed crazy that he was the one teasing me. “Actually, I don’t even plan to do my swim check,” Gordy said. “But I thought you wanted to work on the canoeing merit badge,” I replied. “You have to pass your swim check before you can do anything else on the lake.” “I’m paying Seth to do my swim check for me,” he said. “No one else is going to do your swim for you,” I replied. “First, it isn’t honest, and second, you need to prove that you can save yourself if something happens.” I started trying to speak to Seth about it, but the boys reminded me that he was in the pickup his dad was driving. “Well, when we get to camp,” I told them, “remind me to talk to him.” We arrived at scout camp just after six o’clock in the morning. The sun was just coming up as we started the arduous task of hauling all of our gear to our campsite. My boys preferred solitude, and we had reserved the campsite farthest away from everything. By seven o’clock, all of our gear was packed in. We decided to set up camp later because it was time for the swim check. We put on our swimsuits and headed to the lake. Although it was July, the water flowing into the lake from melting snow still had a glimmer of ice along the edge. The thought of jumping in stole my breath away even before I took the plunge. We had to swim four times from dock to dock. I was struggling by the time I finished the second lap, and by the time I finished the third, I could sense the end of my life nearing, both from freezing to death and from lack of oxygen. Both Gordy and I gave up at about the same time. “We’ll try again later,” I said, trying to encourage him. We went and set up camp, and after we were rested, I turned to Gordy. “Let’s go give that swim check another try.” Gordy groaned. “Why can’t I just have Seth do it for me?” “Because you will feel so much better doing it honestly,” I replied. “Not likely,” he growled. We headed down to the lake, and all of the other boys followed to cheer us on— or, more likely, to make fun of us. We approached the board containing our swim tags, and I couldn’t find mine. I hunted and hunted for it, but it wasn’t there. Then one of the boys found it—not just on the swim check board, but on the swim expert board. Just then, Seth’s dad walked up, rubbing his hair dry with a towel. “Hey, Daris,” he said. “I hope you don’t mind, but I wanted to swim, and since I didn’t have my physical on file, they wouldn’t let me. So I just told them I was you. 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