March 17, 2020 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Protecting Your Assets Dear Dave, We live in Colorado, and we need some advice on protecting our assets. My wife is a teacher, and I’m a nurse. We make around $180,000 a year combined, and we’re set to pay off our home next month. We also have two teenagers who are both driving, so we were wondering about the best way to protect everything if one of them has an accident and we get sued, or something else tragic happens. Spencer Control Your Own Destiny Dear Dave, I have a pension plan that will pay me 80 percent of my top three highest years’ income. Should I continue to invest 15 percent towards retirement? I will top out at $79,000 yearly, and I plan on retiring in 28 years. Trey Dear Trey, You should always put 15 percent of your income into retirement once you reach Baby Step 4. I would never count on a pension as my only retirement income, Dave because the truth is many pension funds are very poorly managed. You’ll probably get the pension when the time comes. Dear Spencer, I’m not predicting it will go broke or anything like that, With your income, and the stage you’re in when it but there’s no way I would leave the financial state of my comes to wealth building, I think it’s time to add an retirement in other people’s hands. That’s exactly what umbrella policy. This is a liability policy, and you could you’re doing when your plan is to count on a pension probably buy an extra million in liability coverage for or Social Security. With Roth IRAs, 401(k)s and so forth, around $250 a year. It attaches to the liability policy you’re building wealth that you control. that’s already part of your homeowners and car insurYou have to control the conrollables, Jordan. There ance. are plenty of things in our lives we have no control over With a couple of teenage drivers in the house it might whatsoever, but you have to take charge of the stuff you run a little more than $250, but I wouldn’t think it would be much more, if any. It would just add an extra million to can control in order to win. Building wealth is one of the mix, just in case someone decided they were going to those things! —Dave come after you because of a bad situation. RAMSEY As you continue building wealth later, like if you get into real estate and start buying rental properties, make sure you put those in a limited liability company (LLC). You’re not there quite yet, but it’s always a good idea to plan ahead and do whatever you can to keep the size of the target on your back relatively small. —Dave * Dave Ramsey is America’s trusted voice on money and 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. DENR To Host 32nd Annual Environmental And Ground Water Quality Conference PIERRE, S.D. – The 32nd Annual Environmental and Ground Water Quality Conference will be held March 18-19 at the Ramkota Hotel & Conference Center in Pierre. The state Department of Environment and Natural Resources (DENR) hosts the conference, which consists of exhibits and technical presentations covering subjects related to South Dakota’s environment. For a complete agenda, visit http://denr. sd.gov/gwqconference/. Well, it’s March again … the windy month. And here in Home Country we have our very own variety that blows in to have coffee with us every now and then. Windy Wilson, “Are you interested in of course. Per and Polyfluoroalkyl His takes on the human condition, and history, and substances (PFAS)? Do darn near everything else lack only accuracy. The enteryou want to learn about tainment and color are always there, and we’re always Chronic Wasting Disease glad to see the old camp cook and cowboy. or Zebra Mussels? “Boys,” said Windy, “I guess you all figgered out what’s Maybe you are interested comin’ up here real soon. Yessir, it’s the Ideas of March. in groundwater-flow Comes ever March 15, and it’s an annual versary of the modeling in the Big snuffin’ out of one a-them famous Romans. Julius CaeSioux aquifer?” asks sar. The boys at the farm took turns stabbin’ him ‘til he DENR Secretary Hunter stopped givin’ speeches. Roberts. “If so, DENR “But the good part about them Ideas of March is, you invites you to attend ain’t got to do nothin’ about it. You don’t have to sing the presentations at songs or gather ‘round the campfire or buy presents fer this year’s 32nd Annual yer brother or nothin’. I mean, you can jest sit back on Environmental and yer own sacrolibriums and conjugate adverbs or watch Ground Water Quality teevee and pick scabs off the neighbor’s dog. Conference.” “Now this was them days when Roman guys was a-runThe conference is free nin’ all over conquerin’ stuff ‘cuz they already had their and open to the public. irrigation ditches in and had planted the alfalfa. And ol’ Julius Caesar, well he got real famous for bein’ the head conquerer. To this day, he was so famous his face is on gold coins in old dead boats on the bottom of the ocean. And a-course, you know they named a food after him. Yes they did. Thass right. We all heard of Orange Julius. Boy if I had a orange drink named for me, I b’lieve I’d open a coffee shop and call it the “Et tu Buffet. “And you can tell ‘em I said so. Congratulations River’s Edge The Yankton Area Chamber of Commerce Ambassadors hosted a ribbon cutting for River’s Edge at their location 104 Capitol Street. River’s Edge is a “come as you are” restaurant, lounge and bar. They feature classic cocktails, tap and bottle beers, with an amazing selection of made from scratch food. Owners are Brittany and Josh Wagner. Hours of operation: Monday – Saturday: 11am-10pm, Sundays: Closed. They can be reached at 605-664-2779. Find What You’re Looking For! in the Classifieds. In Print and Online! Call 665-5884 www.missourivalleyshopper.com Got A Rock Chip? Mobile Glass Service We’ll come to your home or office for windshield repair or replacement Ron’s Auto Glass Applying for a New Job By Daris Howard I was working on my graduate degree in mathematics and was struggling to support my little family when I saw an ad in the local paper. A vocational school was searching for a parttime math teacher. I thought about how much fun it would be to teach students math applicable to their chosen areas of study, so I drove to the school and filled out an application. A few days later the secretary called and asked me to come in for an interview. I arrived early and was directed to a lounge where I could wait with the other applicants. Jobs were somewhat scarce, and my heart sank as I saw the large number of people who had applied. As a group, we were ushered into a large conference room where all of the school’s teachers and administrators were waiting. After we were seated, the school’s director addressed us. “Just so you understand, we are not looking for a math teacher because we necessarily feel our students need to learn math, but because the state recently informed us that they are going to require all of our students to have at least a basic proficiency in it or they will cut our funding. To be honest, there are some here who feel that a math class is a big waste of valuable teaching time.” “You can say that again,” one of the teachers said. “David,” the director replied, turning to the teacher who had spoken, “since you obviously have a strong opinion on the subject, why don’t you go ahead and express it?” “I teach auto body,” David said. “Can any of you give me one good use of mathematics for a student who works on cars? No, you can’t, and let me tell you why. There isn’t one. My students should be spending their time learning how to detail and perfect the way a car looks, not wasting their time doing useless math.” “Now wait just a minute!” another man said. “Yes, I teach engineering, and indeed we use a lot of math, but I use it in simple things, too, even in something like balancing my checkbook.” David rolled his eyes. “I’ve heard it all before. Blah, blah, blah, you can’t live without it. Well, let me tell you, I’m no math genius, and I do just fine.” Many other opinions were expressed, with some of the discussion becoming quite heated. I learned that the spectrum ran from those like David, who felt his students didn’t need it at all, to Bill, the engineering teacher, who wanted his students to have all the math they could. I also learned that they wanted this discussion out in the open so those of us applying for the job would understand the sentiments of those in the school and not be surprised. “Well, we have to do it,” the school director said. “So, what room can we use?” “How about my classroom,” David said with what I felt was a bit of a smirk. “It is the biggest and nicest classroom in the school.” “Thank you, David,” the director replied. “Knowing how you feel on the subject, it’s nice of you to offer.” David grinned. “It’s my pleasure. Besides, if my students are doing math, I won’t be using it.” When that meeting ended, the director and a smaller group of teachers, including David and Bill, interviewed each applicant individually. That was when I learned that the administration only wanted to pay for one class, even though they expected the math diversity to range from simple addition for some to logarithms and complex numbers for others. The next morning, the secretary called and said I had the job if I wanted it. I felt proud to think that I was chosen from among all of the applicants. I prepared all morning and went later that day to teach my first class. That was when I found out why David had volunteered his classroom. He moved a car from across the shop to right by where I was teaching, and while his students were with me, he sanded the car, ground on it, and did whatever else he could to make noise. Bill dropped by to see how it was going. Yelling over the din, I told him I felt honored they had chosen me. He laughed and patted me on the back. “Don’t get too big of a head over it. After the discussion yesterday, every single one of the other applicants withdrew their applications.” And as I tried to teach over the sanding and pounding, I wondered if they, perhaps, were smarter than I was. (To be continued) Music Live Utica Hall Sunday, March 22nd 2:00–5:30PM Gospel Country Band Happy Memories $5 Cover Charge At The Door • Kids FREE 1915 Broadway, Yankton 605.665.9841 Take a fresh look at the Classifieds, the original way to shop green! Save 10¢ Off A Gallon Of Gas When You Use Your Sinclair Card . Patty’s St n Deals! Gree Buy 2 Bailey’s Irish Cream All Flavors, 750 ML SAVE Up To $12 (After Mail-In Rebate) Tattersall Straight NEW! Rye Whiskey.........................1.75 ML or 750 ML $1.00 OFF Johnny Walker White Scotch SAVE $15 ..............................750 ML (After Mail-In Rebate) Lord Calvert Whiskey ..................... $ ..... 1.75 ML 15.49 Windsor Canadian Whiskey $ ......... 1.75 ML 15.49 Black Velvet Whiskey ..................... $ ..... 1.75 ML 15.49 Tito’s Vodka ................................................. $ .... 750 ML 18.99 Grey Goose Vodka............................ $ ....... 1.75 ML 48.99 Tattersall Gin..............W! ..................... E ....... N $ ........ 750ML 34 Cork N Bottle .99 1500 Broadway, 665-3881 Reuse. Repurpose. Really Save! AGvocacy ED N PO Center ST NFAA Easton Yankton Archery PO Advocating forAgriculture Saturday, March 21 • 5 p.m. East Hwy 50 • Yankton, SD 5:00 - Doors Open/Silent Auction Begins 5:30 - Family Meal (Freewill Donation) 6:30 p.m. - Trent Loos, Emcee 7:00 - Damian Mason, Keynote Speaker 8 p.m. - Live/Silent Auction 9:15 p.m. - BS Band RSVP today: familiesfeedingfamilies2019@gmail.com http://familiesfeedingfamilies-agvocacy.com In Print and Online! Call 665-5884