072115_YKMV_A2.pdf
July 21, 2015 • Page 2
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Dave Says
Paying A ‘Stupid Tax’
BY DAVE RAMSEY
Dear Dave,
My husband broke a few ribs and his
collarbone a couple of years ago when
he flipped our ATV. He’s fine now, but
we still have about $20,000 in medical
bills because we were both between
jobs and didn’t have medical coverage
when the accident occurred. We also
have two credit cards, one with a $1,000
balance and the other a $7,000 balance.
We only have $200 a month we can put
toward debt, so where should we start?
—Sandy
Dear Sandy,
Not having health insurance at any
time of your life is not smart, regardless
of being between jobs or not. Ouch,
what a mess! You didn’t tell me what
you guys make, but I can tell you a few
things.
Number one, you’re probably going
to have to get your income up. You
may have to take on a couple of parttime jobs or work some overtime. My
grandmother used to say, “There’s a
great place to go when you’re broke —
to work!” If you only have $200 a month
to put toward your debt, you’ve got to
create some margin, and that may be
on the income side of things.
The other thing I’ve found is
this: Most people seem to be able to
magically find money when they feel
it’s a life or death situation. “Magically”
means that you do a budget. You make
a written game plan where every dollar
has a name before the month begins.
When you write down every dollar,
and you and your husband sit down
and agree on where
every dollar is going
to go, you’re going
to have an ah-ha
moment that feels
like you got a raise.
If you’re normal,
you waste a bunch
of money because
you don’t budget
Dave
and have a written
plan. And normal
pretty much sucks!
So, here’s the
drill. Start living on a written budget,
extra work, start working the debt
snowball and pay off those debts from
smallest to largest and don’t even think
about a vacation or anything else that’s
not necessity based until you clean up
this mess. When you start living with a
scorched earth idea — beans and rice,
rice and beans — I’ll bet you’re going to
find a lot more than $200 in your budget
to put toward killing off this debt!
—Dave
RAMSEY
HELP AND WISDOM
Dear Dave,
Recently, I met a young man who
was put out on the street when he
turned 18. He lives on food stamps and
$10 a week. My wife and I are on Baby
Step 7 of your plan and have a great
income, and our whole family feels
called to help this kid — maybe even
taking him into our home. Do you have
any advice?
—Mitch
Dear Mitch,
You guys obviously have loving
hearts and are doing great financially.
But let’s take a look at few important
factors in a decision like this.
If you’re thinking about actually taking him in under your roof, you need to
remember that your first responsibility
is to your family. You have to make sure
they’re safe, and that would include
finding out everything there is to know
about this guy. Talk to his past teachers, coaches or even family members
if you can find them. Spend some time
just talking to him, too, and find out
more about his background, attitude,
habits and goals. Then, if you still feel
led to open your home to him, make
sure everyone involved signs an agreement with really clear rules and guidelines about what is expected, what will
not be tolerated and the rewards and
consequences of each.
Helping him with food and clothing alone would be a generous act, but
what you’re considering is absolutely
amazing. Just make sure, if you go this
route, to do it not just with love, but
with lots of forethought and wisdom.
—Dave
Dave Ramsey is America’s trusted
voice on money and business. He has authored five New York Times best-selling
books. The Dave Ramsey Show is heard
by more than 8.5 million listeners each
week on more than 550 radio stations.
Dave’s latest project, EveryDollar, provides a free online budget tool. Follow
Call 665-5884 to
Dave on Twitter at @DaveRamsey and
on the webplace your ad here.
at daveramsey.com.
Interested in
this spot?
Call 605-665-5884
Or Drop By At 319 Walnut St.
PUBLIC AUCTION
SUNDAY, JULY 26th, 2015
LOCATED: SKYLON BALLROOM - 320 S. ROBINSON STREET HARTINGTON, NEBRASKA
AUCTION STARTS @ 10:00 A.M. - LUNCH AVAILABLE
AUCTIONEERS NOTE: Please join us for this excellent auction from two estates.
We will start @ 10:00 A.M. selling the Warnke’s tools followed by firearms and
ammo. Following the Warnke’s property we will then start on the Lynn Buechler
Estate property. Visit our website www.CHJAUCTIONEERS.COM for many photos.
SPECIAL NOTE: A Nebraska Firearm Permit or FFL Information is required
to purchase ANY GUN. To Purchase Hand Guns, you must be a resident of Nebraska & have a handgun permit. There will be a $ 15.00 per
gun charge to the buyer for the transfer of ANY GUN. We will have a gun
dealer on site to handle the transfers. If you do not have your permit, the
gun will have to be picked up at the dealers premise. NO EXCEPTIONS!
SHOP TOOLS: Central Hydraulic 2 Ton Engine Hoist - Like New, Generac 6250
10 hp Gas Generator - Like New, Honda 5 ½ hp. Power Washer, Foley-Belsaw
Model 910 12 ½” Planer on Stand SN # 23879, Craftsman 10” Table Saw w/
Router Mounts, 3 Ft. Turning Lathe, Craftsman 10” Band Saw - New In Box, B
& D 6 “ Bench Grinder, Sears 2 ¼ Ton Floor Jack, Acetylene Torch Set (Less
Tanks), Craftsman 230 AC/DC Amp Arc Welder - Like New, Craftsman 1 ½”
Router, Delta 1” Belt / 5 “ Disc Sander, Makita Belt Sander 7 Angle Grinder,
Central Phuematic 11 ga. Coil Roofing Nailer, Chicago 10” Compound Miter
Saw, 22” Variable Speed Scroll Saw, 3/8” Air Impact, Central Pheumatic Air
Drill, Asst. of Misc. Sanders, Trouble Lights, Large MAC Tools Tool Cabinet, Huot
Tool Cabinet, Snap-On Torque Wrench & Torqometer, Very Large Offering of Assorted Sockets - Including Deep Well & Impacts From ¼” ½ & 3/8” (100’s
of them), Many Wrenches including; Open End, Line Wrenches & Ratchet
Wrenches, Air Impacts, Chisels, Drill Bits, Screw Drivers, Nut Drivers, Cutters,
Pliers, Wire Strippers, Hammers, Crescent Wrenches & Much More, Husquarna
Chain Saw, Lazy Boy Gas Powered Chipper w/ B & S 5 Hp Engine, Small Lawn
Rubber Tired Wagon, Bear Paw Snow Shoes, New Ames Wheel Barrow, MinnKota Trolling Motor, Gas Weed Eater, Older Gas Powered Generator, Next Bella
Vista Bicycle, Stow Away Soft Luggage for Motorcycle, Misc. Fishing & Camping Equipment - Including Camp Stoves, Tents Coolers & More, Forks, Rakes,
Shovels, Etc, Rocks, Agates, & Minnesota Rocks Etc., Gas Furnace, Car Ramps,
Creeper (2) Food Dehydrators, PLUS MANY MORE MISCELLANEOUS ITEMS
FIREARMS: Winchester Model 88 - 308 w/ Bushnell Scope, Harrington &
Richardson Inc. Shikari model 155 - 44 Rem. Mag. w/Cleaning Rod, Marlin Glenfield Rifle - Model 20 - 20 gauge w/ Scope & Clip, BSA (Berlington
Small Arms) 30-06 Rifle w/Bushnell Scope # 3T46621, J.C. Higgins w/Huskavarna Action Rifle Model 51L - 308 - w/ 3-9x32 Deerfield Scope, 1910
Mexican Mauser Short Action Rifle - 300 Win. - w/ Tasco 6-24 x 40 Scope,
1910 Mexican Mauser - Short Action Rifle w/ Muzzle Break 6.5X 55 Swede
Cal. - Simmons Wide Angle 6.5-20x44mm Scope, 03A3 Rifle w. Muzzle Break
- 300 Win. Mag. w/ Tasco 4 x 40 Scope, Marlin Bolt Action Model 80 DL
.22 Caliber, w/ Clip (Shoots all 3 lengths ammo), Mauser 98 Rifle - 338-06
caliber w/ Simmons Scope Optic Pro 50 2.5-10 x 50 WA, US Henry Survival
Rifle Model H002 .22 Automatic (Break Down Gun) in carring Case, H & R
Model SB2 Ultra Rifle - 25-06 w/Scope, Stevens Model 820B - 12 ga. Pump,
Barrel Modified for a Weaver Choke, SKS Automatic Rifle 762-39 cal., w/ 3
x 20 Round Magazines w/ Red Dot Tasco Scope, Stevens Model 94F - 20
ga. Single Shot, Winchester 1890, .22 short Pump SN # 568198, Savage 24
Series S, Over & Under 22 LR, 20 ga. 3” SN # E897684, Browning Arms Co. 12
ga - 2 Shot Automatic - Made in Belgium, Silver Engraved, Browning Sweet 16
- Gold Trigger, Made in Japan , Douglas Arms Co. Double Hammer Barrel 12 Ga.
PISTOLS/REVOLVERS: CZ52 Automatic 762 x 25 cal. Pistol w/ Holster & 1
Magazine, Llama Super Comanche Revolver Model 111, 44 Mag. w/ Bianchi Cyclone Holster, Liberty Kodiak, 38 Special Revolver w/ Home Made
Holster, Auto-Ordnance Corp 45 Automatic Pistol w/ Holster & 6 Magazines,
Single Shot Black Powder Pistol 45 Cal. Mfg’d by Ultra Hi by Miroka, Japan
BLACK POWDER RIFLES: Knight 50 caliber Black Powder Rifle, MML Inc.
LK93, Traditions Stainless Steel Black Powder-In-Line Rifle - 50 caliber, Thompson Center Arms, White Mountain Carbine Black Powder 50
caliber Rifle, Richland Arms Co. Black Powder - made in Italy - 50 caliber - Missing Parts, Black Powder Jukar Made in Spain Rifle - Needs Parts
PELLET RIFLES/AIR RIFLES: Walter Talon Magnum Break Barrel Air Rifle 0.177
Caliber w/ 3-9 x 32mm Scope, (2) Cummins Industrial Tools Pellet Rifles w/
Scopes Light Brown & Dark Brown Stocks, Rugar Air Hawk Pellet Rifle 4 x 32
Rugar Scope Optima w/ Mounts, Power Master Cross Bow & Arrow Quiver
AMMUNITION & RE-LOADING SUPPLIES & EQUIPMENT: Very Large Assortment of Ammunition Including; 44 Mag, 45 acp, 30-30, 6.5x 55, 300 Win. Mag, 338-06,
25-06, 308, 30-06, 7.62 x39, 7.62 x 25, 12 gauge & 20 gauge. (Many Rounds
of Ammo of each), Primers, Casings, Lead & Much More, Black Powder Supplies
WADE WARNKE ESTATE -- AUDREY WARNKE - OWNER
Following the Sale of the Warnke Property we will sell the
following for the Lynn Buechler Estate.
FIREARMS: Remington Model 870, 3 ½” 12 ga. Never Fired, H & R Pardner
410 Single Shot, Marlin Model 60, 22 LR, Never Fired, CIA 12 gauge Coach
Gun - Never Fired, Savage Mark II, .22 LR - Never Fired, Savage 93R17,
.17 HMR, Never Fired, Remington Model 770, 7mm Remington Mag, Savage Model 111, 30-06, Mitchell Mouser 8mm - New In Box, Winchester
Model 190 .22 LR, Glenfield Marlin 30-30, Savage Model 110 - 270 cal.,
Remington Model 700 223 cal., Russian Nagant 7.62 Nagant Revolver,
Plus Large Selection of Miscellaneous Ammunition to be sold including;
Many 12 gauge Shells, 9mm Rounds, 270, 30-06 & More - Large Offering
LYNN BUECHLER ESTATE
See WWW.MCHJAUCTIONEERS.COM For Listing and Photos
TERMS: CASH - OR BANKABLE CHECK - NOT RESPONSIBLE FOR ACCIDENTS OR THEFT
AUCTION CONDUCTED BY: CREAMER HEIMES JANSSEN
AUCTIONEERS & APPRAISERS L.LC.
AUCTIONEERS: Ryan Creamer 402-254-9753
Alton Heimes 402-254-3315 Roger Janssen 402-388-4409
Early Weaning
Beef THIS SPOT?
INTERESTED IN Calves
Call 665-5884 toAlthough spring and summer rains
BROOKINGS, S.D. - place your ad here.
have relieved drought concerns for most of South Dakota,
there still may be situations where forage is limited.
On cattle operations where forage is limited, Warren
Rusche, SDSU Extension Cow/Calf Field Specialist, said early
weaning may be the most effective way to add body condition
on cows.
“Between reduced nutrient requirements and feed intake
for the cow, plus the forage that the calf would have consumed, early weaning results in a 28 percent reduction in
daily forage demand,” Rusche said. “That difference could
be enough to either avoid deeper culling during drought or
• Horse Arenas
extend the grazing season long enough to save significant
• Private Drives
amounts of winter feed.”
• Unpaved Roads
Rusche added that as long as they have high quality diets
to eat, early-weaned calves generally are more efficient,
• Elevator Access
compared to calves weaned at older ages. “Feed conversions
• Free Estimates
Call 665-5884 to
around 5 pounds of feed to 1 pound of gain are certainly posplace your ad here. sible,” he said.
605-491-2133
At weaning, calves require a diet that contains about 16
percent crude protein and 70 percent total digestible nutrients (TDN). “Typical diets are about 60 percent grain and 10
Interested in
to 20 percent higher protein ingredients, with the balance of
the ration comprised of higher fiber/roughage feedstuffs, as
this spot?
well as vitamins and minerals,” Rusche said.
Marketing early-weaned calves
Call 665-5884 to
Marketing early-weaned calves at weaning can be a major
place your ad here.
drawback to this system, Rusche explained. “Depending on
the price slide in place at sale time, younger calves will obviously weigh less, and might bring fewer dollars to the ranch,”
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he said.
Finding buyers that want to feed and buy lightweight
55465 Hwy. 121 • Crofton, NE
calves is another obstacle Rusche explained. “Not every
Missouri Valley
feeder is set-up to handle and manage very young cattle,
216 W. 4th St. • YANKTON,SD
which can affect the number of potential buyers and how ag605-665-5884
A&ARoofing19-152x2MVS.indd 1
5/29/15 10:00 AM
gressively they bid on lightweight calves,” Rusche said.
If calves are retained on the ranch, the additional feed
required must be considered when evaluating whether or not
Interested in this wean early, he explained. “Early-weaned calves will spend
spot?
to
more total days on
Call 665-5884 to place your ad here. harvested feed, but will usually reach
slaughter weight at a younger age,” Rusche said. “The age
difference could be a significant advantage if they are finished
INTERESTED INbefore seasonal market declines occur.”
THIS SPOT?
312 W. 3rd, Yankton • 665-9092
Creep TO
CALL 665-5884 feed success
PLACE YOUR Some producers have successfully weaned calves on
AD HERE.
pasture with a creep feeder. Once calves were consuming
sufficient amounts of creep feed, the cows are sorted off leavThe Help Wanted
ing the calves behind. “This works particularly well for older
cows with lower milk production that are due to be culled,”
section can help.
Rusche said.
There’s something for everyone in
He added that using feedstuffs such as small grain rethe Shopper!
Place your ad now:
growth, cover crops or crop residue is another strategy to cut
605-665-5884
costs.
Another concern is keeping calves healthy. Because these
calves do not have to deal with colder, wetter weather, Rusche explained that they can transition through the weaning
process relatively well, provided they consume enough feed
during the receiving phase. They can also get the benefit of
some disease protection from maternal antibodies.
Producers should consult with their veterinarian for a
health plan specifically designed for their operation.
Like many management practices, Rusche said the deciThis is your invitation to attend Worship: Sunday
sion to wean early should be based on the individual ranch
morning at 10:45 am or Wednesday evening at
circumstances. Early weaning is more likely to be economi7pm. Our Worship Center is located at 607 E. 15th,
cally viable when:
Yankton, SD. See you there!!
* Forage quantity limits performance, due to either growPhone: 605-665-7587
ing conditions or stocking rate decisions.
Text: 434-665-2467
* Cows are thin, especially if they are young.
www.yanktonbaptistchurch.com
* The ranch has the ability to manage young calves, or
there are enough buyers willing to purchase early-weaned
calves without discounts.
* The combination of reduced demands on pasture,
improvements in body condition and reproduction, and the
value of feed efficiency benefits are great enough to overcome
the increased feed costs and management required. ?iGrow
Don’s Dust
Control
Want your business
to be seen?
Get your display ad here!
“Bert looks good this morning, Doc,” Dud said, quietly.
Three stools down the counter, Bert smiled and said, “Yes, I
certainly do!”
We turned toward our old pal. “You heard that?”
“Sure did, guys,” he grinned. “Look….”
He pointed to his ears. “Hearing aids,” he said. We walked
over and looked, and sure enough.
“It was Maizie’s idea,” Bert said. “She made the appointment and everything. Said she was tired of having the TV on
so loud.”
“But it was a good idea, Bert,” Doc said.
“Oh, I know. I’d been thinking about it for some time, Doc,
but you know how a guy gets. You never really want to admit
you need them, I guess. Truth is, I didn’t know how bad my
hearing had become until I got them. Yesterday, when we got
that little shower … I heard the rain on the roof. I heard a
clock tick, too, and it’s been years for both those things.”
“Both what things?” said Herb.
We all looked at each other. We knew who should be next.
“Rain and clocks, Herb.”
“Oh … yeah.”
“The hearing test lady came in the little room when the
test was over and asked me if I’d shot guns a lot,” Bert said.
Bert’s younger days as a hunting guide brought nods and
chuckles from us.
“There’s a range of sound that loud noises can hurt, and I
guess that’s what happened with me. Turns out, it’s also the
range of most women’s voices.”
He grinned. “That may have something to do with Maizie’s
making that appointment for me. Now I have no excuse when
she says things like ‘Take out the trash’ and ‘When are you
gonna mow the lawn?’”
Interested
in
this
spot?
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