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October 28, 2014 • Page 2
shop online at www.missourivalleyshopper.com
Dave Says
School Is On The
Horizon
BY DAVE RAMSEY
It was a bright morning,
and we had finished off the coffee and conversation at the
Mule Barn truck stop, and we
couldn’t think of anything
much to do because we were
still full from breakfast and it
was too early for lunch, and
the political problems and
Hollywood gossip tanks had
been thoroughly topped off. So
we went over to Doc’s house to
look at his mare in the back
yard. She had, he said, a quarter crack in a front hoof.
So there we were, in a half
circle around the little mare,
staring at that slight crack as
though focusing would bring a
welded solution to the problem, but we all knew we just
needed to drink Doc’s coffee
and change the scene.
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Thursday, November 6
Friday, November 7
Saturday, November 8
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The Pantry
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Please Recycle When
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“I see you have a block of
salt,” Bert said.
Doc nodded. Bert said,
“Speaking of salt …”
We really hadn’t been, but
smooth transitions aren’t
always easy.
“…. puts me in mind of the
time I stopped in that little
store,” Bert said. “Few years
back now, I guess. Well, it was
about the last time Milly had
pups, because I think I’d left
her home to have them. Of
course, she waited until I got
home ….”
Doc and Steve stared at him
encouragingly. “And?”
“Oh … well, there’s this little store up north … out in the
middle of about flat nothing …
and it was hot and I was thinking of a nice cold cocola right
about then, so I stopped.”
Bert looked around. “Dang
store was about full of salt.”
“Salt?”
“Everywhere. This guy had
ice cream salt. Bags of it. Salt
blocks for horses, sheep, cows,
rabbits and even danged
guinea pigs. He had regular
salt. He had huge bags of bulk
salt for putting on the ice.
“So I went to pay for my
drink and I says to the guy,
‘You must sell a lot of salt.’ And
he says to me, ‘No, but that
salesman who calls on me sure
does.’”
Plaine, IA. Next Scheduled
Sale: Saturday, November 8,
2014. Tack 10:00 a.m., Horses
immediately following. Sale
2nd Saturday of every month.
Upcoming Sales: December
13, 2014 (Christmas Tack Special) & January 10, 2015.
Check our website for details
and sale results: www.westernexchange.com;
Info/To
Consign: 319-444-2320; email:
bpwe@netins.net (MCN)
9:00 A.M. Consign early by
Nov. 3, 2014 for complete advertising. No Small Items, Tires
or Pallet Items Accepted After
Friday, Nov. 7. Gilbert's Sale
Yard, LLC, 641-398-2218. 2
Mi. N. of Floyd, IA on Hwy.
218. Tractor House Internet
Bidding Available. www.gilbertsaleyard.com (MCN)
Dear Dave,
My husband
will be leaving his
full-time job in a
year so that he
can go back to
school full-time
and finish his
degree. We've
both agreed this is
what we want to
Dave
do, but it means
that we'll go from
a yearly income of
$90,000 to $45,000.
We'll have tuition
assistance from my job and
his veteran's stipend to help
--------pay for things, plus we're
Brought to you by “A
Cowboy’s Guide to Growing Up debt-free except for our
house. But in this scenario,
Right” at lpdpress.com.
once we complete Baby Step
3 should we move directly to
HORSE SALE: Belle Plaine MACHINERY CONSIGNMENT
Baby Step 4 or continue savWestern
Exchange,
Belle SALE, Mon., Nov. 17, 2014 at
ing?
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—Erin
Dear Erin,
I think this is a good plan,
as long as the two of you are
on the same page and you're
willing to save like crazy for
the next year and beyond.
Even with help from your
employer and his stipend
you'll still have some
expenses, so you'll have to
be ready.
Once you complete Baby
Step 3, which is having three
to six months of expenses
set aside as an emergency
fund, Baby Step 4 is usually
starting to invest 15 percent
of your income toward
retirement. In this case,
while he's finishing his
degree, you're not investing
SELLING A CAR WITH A LIEN
Dear Dave,
How do you sell a vehicle
with a lien amount that's
higher than the actual value
of the car?
—
Miranda
Dear Miranda,
First, you have to find a
way to cover the difference
between the amount of the
lien and what you can get for
the car. Let's look at an
example.
If the car is worth
$15,000, and you owe
$18,000, that would leave
you $3,000 in the hole. How
———
Dave Ramsey is America's
trusted voice on money and
business. He has authored
five New York Times bestselling books: Financial
Peace, More Than Enough,
The Total Money Makeover,
EntreLeadership and Smart
Money Smart Kids. 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.
Read & Recycle!
“Your
dog’s home
away from
home!”
B
c
—Dave
do you get out of that car?
The bank holds the title, and
until you give them the payoff amount of $18,000, you're
not getting the title. The easiest and simplest way would
be if you had $3,000 on hand
to make up the difference.
But if someone comes along
and buys the car from you
for $15,000, you've got to be
able to cover the remaining
$3,000, right?
Barring the best-case scenario where you actually
have the money, you could
go to a local bank or credit
union and borrow the
remaining $3,000. I hate
debt, but being $3,000 in the
hole is a lot better than
$18,000 in the hole. Then,
you could turn around and
pay back the $3,000 quickly.
After that, you'd give the
total amount owed to the
bank. They would give you
the title, and you sign it over
to the new owner. That's
how it works!
—
Dave
www.missourivalleyshopper.com
SIDE
TRY CUIT
N
COU & BISaycare
BEDrdingm~ieD Circl2e)
r
oa
5
on
Pre
3205 iles west
269 .com
(2 m
6 -1
-6eb0cuit@gmail
605sid is
y
ountr
for retirement
directly but you
are investing in
your husband and
your future
together. That's a
great investment,
by the way. As
long as he's studying something
that has marketplace application,
you're setting the
stage for him to
make back the
money put into
his degree and
much more.
If that's the plan, and he's
not off pursuing a Ph.D. in
something like German polka
history, you two are making
a great investment. So work
hard now, cut all the corners
you can and pile up money
so you two can get through
his time in school!
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