June 24, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says When Given The Choice, Take The Roth BY DAVE RAMSEY Whenever my lack of mechanical prowess threatens to surface, I sure miss the solenoid. It was always there for us, lurking under the hood somewhere, and always – always – it was waiting to malfunction. It was handy, every mechanic knew where it was - like tonsils - and it had a great name. Solenoid - like asteroid or paranoid. In the old days, b.c.c. (before car computers), the solenoid was a little whatchit that was in the engine area and without it you couldn’t make the car go. And that’s an important thing for those of us who are mechanically impaired to know. I asked Vince down at the gas station gun shop about solenoids and why we don’t 1200 hear about them anymore. “Oh, they’re still in there,” he said, “but now they’re a part of the starter and everything is run by a computer, so you don’t see them separately.” Vince began selling guns at the gas station several years ago so he could combine his two great loves: gasoline and gun powder. The place has never been held up. So the solenoid is still around, reducing current from the battery and closing little doodiddles inside the thingie-things, but it isn’t separate any more. This is a terrible blow to guys like me. The solenoid, bless it, saw a long career as the whipping boy of ignorance. In those days, if the car didn’t start, Cars 1200 For Sale: 1982 Volkswagen diesel pickup Rabbit with topper, 5-speed motor needs work, $1,000/OBO. Call 402-992-9038. Dear Dave, My current employer offers a you’d raise the hood, start regular 401(k) and tapping on various parts with a screwdriver, and wait a Roth 401(k). I've for someone to come by and got several years before I retire, so take pity on you. which one should “Not starting?” the I choose? mechanically-inclined angel — Jennifer of mercy would say. Dear Jennifer, Dave And then we would look Take the Roth! semi-philosophical and If you put your reply. “Can’t get it going. money into a Roth Think it might be the sole401(k), and by noid.” retirement age there's $1 milThis gave us a graceful lion in there, that money is way out of just looking stuyours tax-free. By comparipid. What are we supposed son, if it's in a regular 401(k), to say these days? My car’s you'll pay taxes on that $1 gone off-line? million, which will come out -----------The only thing more annoy- to about $300,000-maybe $400,000 at the rate things ing than a baby’s cry is not are going now. You'll lose 30 being able to hear it. Free hearing test. Beltone. 1-866- to 40 percent of your money. My personal 401(k) is a 867-8700. Roth. And in this situation, yours should be too! — Dave RAMSEY Cars 1200 Cars LET GO OF THE TIMESHARES DONATE A CAR - HELP CHILDREN FIGHTING DIABETES. Fast, Free Towing. Call 7 days/week. Non-runners OK. Tax Deductible. Call Juvenile Diabetes Research Foundation 1-800-578-0408. nani Dear Dave, My mom passed away recently, and she left behind three timeshares. I inherited them, plus I'm the executor of the estate. They're all paid for, except for the yearly Read & Recycle! Salon A’more Dawn, Patty, Ellen, Char & Linda are happy to welcome to the team! Join us on June 26 from 5pm - 7pm for an open house to meet Renae! Were you happy with your last experience at a car dealership? If not call me DAN VANOSDEL at Vermillion Ford (605)624-8624 or (605)661-1320. New and used Ford cars and trucks or anything else you need. Great Service, No Pressure, No Hassles and NO Doc Fees! No Kidding! $3 off cut* $5 off chemical service* *First Salon Visit Only 1200 Cars 1200 Read & Recycle! Hartington Tree LLC TREE TRIMMING, REMOVALS & TRANSPLANTING TREES FOR SALE EVERGREEN • SHADE • ORNAMENTAL 665-3493 Serving Southeast SD & Northeast NE for 20 Years Kent & Kyle Hochstein • Licensed Arborists www.hartingtontree.com Schuurmans Farm Supply Twine: 4,000 PGI x 440 Strength HAY TARP SALE 2014 Hustler Raptor 42” Deck, 21.5 HP Kawasaki BALE FORKS $2,799 Big Round or Big Square For Skid Loaders, Tractor Loaders or 3-Point With Bagger $3,298 * 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. Cars DONATE YOUR CAR, TRUCK OR BOAT TO HERITAGE FOR THE BLIND. Free 3 Day Vacation, Tax Deductible, Free Towing, All Paperwork Taken Care Of. 1-800-283-0205 (MCN) Scrap Iron Wanted Old Cars, Trucks, Buses, Farm Machinery, Grain bin removal. Paying top dollar. Will pick up. Gubbels Salvage (402)640-6335 Coleridge, NE JUNK CARS WANTED! Top Dollar Paid for Wrecked, Damaged, Junk, Running and Non-Running Cars, Trucks, Vans & SUV's. Call Now! 855-548-3072 Fast Pickup! (MCN) Buying junk cars, pickups, vans, running or not. Instant quote & free pickup. McLean Auto Salvage. (402)360-0756 WANTED Buying all types of SCRAP IRON Farm Machinery • Cars & Trucks References Available • Top Market Prices Paid Home: 402-945-1512 • Cell: 402-533-3640 K&K Iron & Metal COME GET YOUR WATERCRAFT Life Vests ACCESSORIES! Tubes • Skis Forget the rest... Wake Boards ride with the best! & More IN STOCK NOW For Big Squares 14’ x 54’x 25’ x 54’, 33’ x 54’ All Tie Downs Included going to deed them back to the companies. The way I look at it, you can have a lot of fun for $1,500 a year. You can go where you want, when you want. You're not roped into a specific place and date. Part of the appeal of getting away is being able to go where you like at a time that's right for you. I understand there may be some sentimental value attached to these, Joe. But timeshares are a horrid, inconvenient product. My sentiment would be, "I'm out of here!" — Dave Cars 1200 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 Yankton 605-260-1490 Hartington 402-254-6710 1101 Broadway, Morgen Square NEW maintenance fees, which total about $1,500. I don't think I want them, but I'm not sure what to do. Do you have any advice? — Joe Dear Joe, I'm really sorry to hear about your mom. I know you've got a lot of emotions going on right now, and taking on the task of overseeing the estate is a serious responsibility. There are two issues here. One, as the executor you have to decide what's best for the estate. Number two, do any of the other heirs want these things? I wouldn't want them, I can tell you that. I realize they're basically free things-all you have to do is pay the maintenance fees-but by the time you do that, you probably could've gone somewhere else. For that kind of money, you can stay in some pretty nice spots and not have the ongoing liability. Right now, the estate has the responsibility for the maintenance fees. 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