June 17, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says On 401(k)s, Just Roll The Money On a good, warm Saturday morning, you have your choice here in our valley: yard saling or livestock saling. Since Windy didn’t need have much of a need to rummage through stacks of doilies or record albums starring Patti Page or the Kingston Trio, he headed for the sale barn. You see, Alphonse “Windy” Wilson doesn’t have a ranch or farm. No, Windy was trolling for an audience. He tried the coffee shop there, but there were just two ranchers there, and they were in an intense conversation. He walked around through the waiting pens, and it was there he saw the kids. There were three of them, teenage boys, chatting with each other, wearing hats and boots. Leaning on shovels. Windy knew what 1020 their jobs had to be and figured them as good audience fodder. “Shore is a flamtastic kinda day, ain’t it boys?” Windy said, maneuvering so they would have to actually walk over him to get back to work. “Puts me to mind of the day we was all having a picnic up on Thompson Ridge … you boys know what a picnic is? Oh, they still have ‘em, eh? Hard to keep up with all the new innervations you young people have … I’m an old timer, you know? Oh, of course you knew. “Wellsir, it was a day just like this, solarily speaking, with picnic writ all over it, and there we were, just a salivatin’ along on Thompson Ridge, looking for a ‘propiate spot to have lunch, when the ground Food - Beverage 1020 A day in the countryside. MIDSOMMAR AT DALESBURG, Friday, June 20. 1-10pm Food Stand with homemade pie. 2pm Afternoon Program with Swedish musicians Trio Con Brio. 3-7pm Viking Invasion. 4:30-6:30 Smorgasbord. 7pm Evening Program with Turkey Creek Revival Band, Trio Con Brio and dancing for all around the Midsommar Pole. Dalesburg Lutheran Church, 12 miles north of Vermillion on University Road; or 5.5 miles west of I-29 exit 38 (Volin); or 3 miles east of Hwy 19 on 306th St. (Volin Road). Please Recycle When Done Reading! started to shake. It was a dad-gummed earthquake! We used to get one oncet in a while, you know. Well boys, it shook and shook and the trees went wobbly at the knees and so did we. Some of us thought it was the end days, you know. But then it quit, and I can extrapolate to you that was a mighty good thing to have happen. “And we sat down and opened our picnic baskets and do you know what? That there earthquake turned the young’uns’ ration of cow’s milk into vanilla milkshakes!” Windy sighed. “Used to have some pretty good picnics in them days.” ----Brought to you by Saddle Up: A Cowboy Guide to Writing. Learn more at www.lpdpress.com. Food - Beverage 1200 Swedish musicians, Viking Invasion, homemade pie, smorgasbord! MIDSOMMAR AT DALESBURG, Friday, June 20, 2pm program in the church, 4:30-6:30pm Scandinavian Smorgasbord, 7pm program on the north lawn. Dalesburg Lutheran Church, 3 miles east of Hwy 19 on 306th St. (Volin Road). 1200 Cars 2012 Chevy Impala, tan, runs & looks great, 60,000 miles. $11,900. (402)841-1305. DONATE THAT CAR or REAL ESTATE to Saving Our Soldiers. Fast FREE pickup. Running or not. Full fair market value tax deduction. SOSCars.ORG Call 1-888-907-9757. nani 3 ddEd/KE 4 Cars 1966 Oldsmobile Cutlass 2-door hard top with bronze exterior & black top vinyl interior. Hard to find original condition a survivor! Features: 330 V8 automatic transmission, like new vinyl top. Power steering, air conditioning nice original paint, original & clean underside, trunk, engine compartment.. Like new dual exhaust, Redline tires, rally sport wheels (4-original hubcaps in trunk). Spare tire with cover, trunk mat & tools, dual rearview mirrors, windshield washers. Interior features: Original like new black vinyl interior, like new headliner, seats, carpet, door panels, steering wheel (no cracks), working radio, clock, all gauges, lights, horn, signals, etc. Original keys, 60,000 miles, 1966 assembly manual, $15,500. (605)660-0060. IT ALL EVENS OUT BY DAVE RAMSEY Dear Dave, How should I handle my 401(k) when moving from one job to another? — Tracy Dear Tracy, I would roll it to an IRA. Your Dave new company, if you move it there, will have limited choices for your 401(k). You’d also probably have a lengthy waiting period for verification and the potential addon fees and taxes. Plus, with an IRA you can cash it out if something really bad happens. But I rarely ever advise people to cash out their IRAs. The only exceptions are extreme cases, like to avoid bankruptcy or foreclosure. Even then, hardship withdrawals are very difficult to get. And again, this kind of thing should never be done except in an absolute, worst-case scenario. Just roll your money into a traditional IRA, Tracy. It’s called a direct transfer IRA, and that way there will be no taxes on it. You want the money to go directly from the 401(k) to the IRA. Then, you’ll have the freedom to choose from about 8,000 mutual funds and move the money around, if you like. In other words, you’re in control. That’s the way it should be when it comes to your money! — Dave RAMSEY When you ?nish reading, Please RECYCLE. 3 ??3???3K?3^?????3W?Ž?3?3K???3&???3d????Ž?? d 3 Ž??????3?t3???3?t3W?????? D d,hZ^4z?3:h>z3??3????3?3????WD 3 W?Ž????34?????3D???Ž?3^ 3 3 ??3???????3????3?Ž3??3??????????????3 4 3 ?3?Ž???3???Ž??3???3?????3 ? &Ž?3??????????Ž?3????3^????3???????????? 3 4??3??????Ž??3????3>? 3 WAIT FOR IT Dear Dave, Would it be okay to go on a tenth anniversary honeymoon while we’re working on our debt snowball? — Karen Dear Karen, I don’t think so. I mean, EHRESMANN ENGINEERING For All Your Steel Needs! STEEL SPECIALS • Flat Bars • Solid Bars • Angle Iron •Channel Iron • Round, Square & Retangle Tubing • Many More types of steel to choose from We Want to be Your Steel Supplier Call us at 605-665-7532 NOW OPEN Yarns • Books • Needles & Hooks 4400 W. 31st St., Yankton, SD 57078 Offices will be closed on Friday, July 4th for the Independence day Holiday. EARLY DEADLINES for July 8th Issues Broadcaster Press Deadline: Noon Thursday, July 3 * Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership and Smart Money Smart Kids. His newest best-seller, Smart Money Smart Kids, was written with his daughter Rachel Cruze, and recently debuted at #1. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. www.missourivalleyshopper.com Wh>>Z^34E3&4E^? 3 '????3W?????3d????3?3d????Ž?3W??? 3 Dear Dave, We have three children, ages 15, 10 and nine. With our oldest starting high school and just being a teenager, we’re spending lots more money on her than the others. It’s almost like she’s the favorite child. Should we spend more on the other kids to make things seem a little more fair? — Julie Dear Julie, I don’t think so. In five or six years, it’ll be their turn and you guys will be spending that kind of money on them, too. That’s the way it is with teens. Here’s a question for you. When the 15-year-old is 23, and you’re buying prom dresses and all the other teenage stuff for the younger kids, are you going to turn around and give the older child extra money just to “even things up”? Of course not-that would be silly. She had her moment in the sun, and now it’s their turn. Just make sure you hug on all of them equally, and let them know you love them! — Dave it’s not against the law or anything like that. I just don’t think it’s a good idea. I wouldn’t do it, and I wouldn’t suggest taking the trip then rolling it into your debt snowball either. I know this probably sounds mean, but I’m just not a big romantic when it comes to people who are deeply in debt. A rare exception may be a situation where you have a really small debt snowball and a nice, fat income. But most people in your shoes have average incomes and mountains of debt. On top of that, they want to take a big celebration vacation? I would say no. At some point you have to stop the spending and concentrate on getting your finances in order. Besides, you’ve got a lifetime together to take romantic vacations and celebrate your marriage. Just wait until you can afford something like that. Trust me, you’ll enjoy it even more! — Dave Morgen Square 1101 Broadway, Suite 104, Yankton 605-689-3999 ??3?¡???£¤3¤??£3¦???¡?3 3 Degrees & Comfortable Open Mon - Fri, 10am - 6pm • Sat, 10am - 5pm Classes now being offered. Check the website for availability. www.eweknitit.com 72 available with a Deadline: 11 am Thursday, July 3 home comfort system and now thru June 20th Save up to Simply The Best! $ 2100 Brian & Jean DeGroot, Owners 802 Broadway • Yankton, SD •(605) 665-1596 www.bridgecityautoyankton.com QUALITY USED VEHICLES 2010 Dodge Caravan, Blue, 63,000 miles.....................................$12,995 2008 Ford Focus, 2dr, blue, 62,000 miles........................................$9,495 2007 Jeep Grand Cheroke, 4x4, Gray, 104,000 miles...................$10,995 2006 Kia Optima, 4dr., Silver, 88,000 miles................................$5,995 2006 Chevy Express Van, white......................................................$2,995 2005 Chevy Tahoe Z-71, 4x4, 138,000 miles, Blue....................$12,595 2005 Chevy Colorado, 4x4, tan, 124,000 miles.............................$11,995 2005 Chevy Aveo, 4dr., Silver, 80,000 miles....................................$5,995 2004 Pontiac Grand Am, 4dr., Gold, 114,000 miles.....................$5,995 2003 Nissan Sentra, 4dr, tan, 112,000 miles..................................$5,995 2003 Ford F-250, 4x4, brown, 123,000 miles................................$10,595 2003 Jeep Grand Cherokee, 4x4, silver, 137,000 miles..................$5,995 2002 Ford Taurus, 4dr., Tan........................................................$2,495 2002 Ford Windstar Van, Green, 106,000 miles.............................$4,595 2002 Chevy Conversion Van, white................................................$2,995 2001 GMC Jimmy, 4x4, maroon, 92,000 miles................................$4,995 2001 Chevy Blazer, 4x4, silver, 129,000 miles................................$4,995 1999 Pontiac Bonneville, 4dr, white................................................$4,295 1999 Chevy Lumina, 4dr, maroon, 45,000 miles.............................$4,995 1998 Chevy Malibu, 4dr, green, 129,000 miles...............................$2,995 1996 Buick LeSabre, 4dr., Maroon, 1 owner, 105,000 miles...........$4,995 1993 Lincoln Town Car, 4dr., Blue, 112,000 miles..........................$6,995 SPECIAL INTEREST 2010 Kawasaki Jet Ski..................................................................$6,995 2006 Kawasaki Praire 4-wheeler.................................................$3,495 1996 Harley Davidson Custom Fatboy........................................$14,995 1994 Invader, 18 ft., Pleasure Boat.................................................$6,995 1993 Mercury Capri Convertible, red, 114,000 miles.................$3,995 1989 Lincoln Mark 7, 2 Dr, white, 85,000 miles.............................$6,995 1985 Ford Wrecker, 4x4, red, 67,000 miles....................................$7,595 1976 Cadillac Eldorado Conv.,2-dr., white, 67,000 miles...............$9,995 Licensed in South Dakota and Nebraska. 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