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August 18, 2015 • Page 2
shop online at www.missourivalleyshopper.com
Dave Says
The Best Of The Three
category. Still, my
advice is to pay
cash or don’t do the
deal. You’re more
than able to do this
every few years and
not move the needle
where your finances
are concerned.
Go get that new,
better car, Linda.
Just don’t go into
debt to make it
happen!
—Dave
By Dave Ramsey
Dear Dave,
I’m 61 and on disability, but I’m
completely debt-free and I have more
than $1 million in assets. I even try to
spend no more than four percent of
the principal each year, so I don’t dip
into it. I need to buy a better car, and I
realize that I have three options — pay
cash, do a lease or finance the vehicle.
What do you suggest?
—Linda
Dear Linda,
There’s no way I’ll ever tell you to
lease or finance a car. You have a nice,
peaceful financial life, and you don’t
want to mess that up.
New car leases are one of the biggest rip-offs on the planet. Consumer
Reports, and my calculator, both say
leasing is the most expensive way to
operate a vehicle. And why would you
want the hassle of car payments when
you’re in such good shape with your
money?
I’m alright with you buying a new
car, because for someone like you it’s
such a small portion of your overall
financial picture. I advise people to
always buy good, used cars unless
they have a net worth or $1 million or
more, and you definitely fall into that
Dave
Ramsey
No, no, no!
Dear Dave,
My wife and I are recent graduates
with advanced degrees. We also have
about $300,000 in student loan debt.
We’re thinking about buying a rental
property, and the plan is to get a mortgage with monthly payments of $400
and charge $800 in rent. We could use
the extra to help pay off our debt. Do
you think this is a good idea?
—Jeremy
Dear Jeremy,
Are you serious? You’re in a financial
crisis, and you ask if it’s okay to buy a
SEE TONY FOR...
• GM Pickup Parts
• Trailer Hitches
• Rear Bumpers
• Tailgates
• Boxes
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We also sell vintage license plates
rental property? No, no, no!
Right now, you guys are acting like
Congress. You have a huge mess on
your hands, and you’re both going to
have to work like crazy to clean it up.
That means living on rice and beans
for the foreseeable future. It means no
vacations, and you should not see the
inside of a restaurant unless you’re
working there to make extra money.
Again, no! You should not buy a rental property. Even if you did, this plan
assumes that it’s constantly occupied
and the renter actually pays. Those are
two pretty big assumptions. Use whatever money you have to get out of debt,
and live simple, inexpensive lives until
you get this behind you.
Stop trying to borrow your way
through all of your dreams, Jeremy.
Doing that will only turn those dreams
into nightmares!
—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
Dave on Twitter at @DaveRamsey and
on the web at daveramsey.com.
MOODY
MOTOR
NIOBRARA, NE
Patrick Hawk
251 Spruce Ave • Box 260
Niobrara, NE 68760
www.moodymotor.com
pjhawk@hotmail.com
(402) 857-3711
(800) 745-5650
Fax (402) 857-3713
605-665-3720 • Yankton, SD
REAL ESTATE
RENTALS
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M I S S O U R I VA L L E Y
It was lunchtime at the sale barn on the edge of town and
the guys were milling around. They didn’t really want to eat
there, as the regular cook had a family emergency in the next
state, so it was a substitute named Leroy and the guys knew
that everything Leroy cooked tasted like toast.
So they milled around, kicking dirt clods, inspecting the
livestock coming up for the afternoon bidding, and pretending they were maybe someday going to buy something. Their
dogs were there, of course: Steve’s two cowdogs, Doc’s Egyptian shepherd, Ramses (he makes pyramids in the backyard),
and Billy, the official town dog.
“Steve, what’s the name of that guy who used to walk
around in the bleachers yelling ‘Ho!’ every time someone
wanted to bid?”
“Oh,” said Steve. “You mean that really good-looking kid?”
“Yes,” said Doc. “Haven’t seen him around for maybe a
month now.”
“Quit,” said Steve. “He decided he was too stupid to work
here.”
“You’re kidding.”
“Nope. One day he was clowning around and twisted a
mule’s tail.”
Steve grinned.
“Ain’t as pretty as he used to be, but he’s a bunch
smarter.”
2015 SD State 4-H
Horse Show Results
BROOKINGS, S.D. - Three-hundred and forty South Dakota
youth representing 47 counties participated in the South
Dakota State 4-H Horse Show held July 21 - 23, 2015 in Huron
at the South Dakota State Fairgrounds.
Results are available on the iGrow 4-H & Youth Animals
community page, photos are also available on the iGrow
Flickr page.
The 2015 show had 50 more entries than the 2014 with a
total of 998 entries in Performance, Showmanship, Equitation
and Timed Events; as well as 166 entries in Youth in Action
events including; Horse Quiz Bowl, Hippology, Public Speaking and Demonstrations, and Horse Judging.
Champion Senior teams from the Youth in Action contests,
in Hippology and Quiz Bowl qualified to participate in the
Western National Roundup, held January 2016 in Denver,
Colo.
These teams include:
Brown County Hippology team; members include: Joellen
Gonsoir, Megan Malsam and Trey Wright.
Roberts County Quiz Bowl team; members include:
Morgan Janish, Derek Petersen, Kendra Currence and Valerie
Moen.
Sarah Vos of Pennington County took top honors in Public
Speaking.
Wyatt Stevens of Jerauld County was the Top Senior Horse
Judging participant. Cassandra Townsend of Brown County
was the top Junior Horse Judge; and Camille Hohn of Minnehaha County was the top Beginner Horse Judge.
Results can be viewed at the iGrow 4-H & Youth community page
A special thanks to all local 4-H leaders and volunteers
who helped prepare these young men and women for the 4-H
State Horse Show; as well as those volunteers who helped
throughout the event. niGrow
17th ANNUAL Antique Tractor & Vintage Farm Equipment
WEDNESDAY
Located:
Girard Auction
Facilities,
Wakonda, SD
605-464-0493
100+ Tractors---Implements—Parts—Antiques & More
55465 Hwy. 121 • Crofton, NE
August 26th &
THURSDAY
August 27th,
10:00 a.m. each day!
Wednesday’s Auction: 10:00 a.m.: 400+ pc Farm Toy Auction. Includes over 20 Pedal
Tractors, Pulling Tractor Collection, 4-wheel drives & more! All brands
10:30 a.m.: Massive Literature Auction—6 to 8 Flatbed, 5th-wheel trailers full of farm
paper—manuals, brochures, memorabilia & more!
4:00 p.m.: Investment Grade Sign & Memorabilia Auction. Many JD & IH Dealership Signs,
JD & IH Tools & More!
Thursday’s Auction: 2-rings of smalls, antiques & parts will run from 10 until noon;
tractors sell at noon, HIGHLIGHTS INCLUDE:
John Deere: 1988 4450 MFW Power Shift w/ 1,136 actual hours! 18.4R42 GY Rears, Quick
Hitch, Frt Weight, 3-hyd, sold new in Miller, SD—immaculate original condition! ‘72 3020 Utility
Diesel Powershift, factory low exhaust, 3pt, Firestone Tires, Expo-Restored; 1967 4020 Diesel
Power Shift Hi-Crop, runs & drives good, new paint, ROPS, Fenders; 1936 Unstyled BW (factory
wide front), 1 of 246 built, older restoration; 630, wf, 3pt, good repaint-nice; 620 nf, nr, 3pt
Hitch sells separate; ‘55 50, Live Power, PS, all original, nice tin; 60, straight; ‘38 Unstyled L-restored; ‘45 LA--restored; ‘53 AR-restored; ‘45 BR, elec start, OH; Styled A—nr; Styled B, original;
IH/Farmall: 1256, new motor, TA & Clutch; 4,321 original hours, 3pt, Dual PTO, 2-hyd, 20.8x38,
recent paint; 1026 Golden Demo, SN#9037, new front, good Hydro, super straight original; I-4,
Pintle Hitch, stuck; W-4, runs good; ’55 100 w/ 1pt; 200 w/ C-30 Loader & 2pt—nice original;
‘56 300, TA, 2pt, PS, full set weights-nice; ‘55 300-U w/ Loader & Blade, runs good; 400, gas,
wf, TA; 140; 130 w/ 2pt; Super M-TA, wf, TA good; ‘51 Super C, 3-pt, wf w/ 7’ Blade; ‘53 Super
H, low hrs, new tires-nice; Super M, new rubber, OH, PS, restored; ‘54 Super M, runs good,
wf; Super M—restored; Super A—nr; C, original White Demo, new rear tires, stuck; ‘50 C, OH,
runs good; H, runs good, Live Hyd.; Other H’s & M’s; 1955 Cub Lowboy w/ 1pt; 3 Cubs; TD-6
w/ Blade—runs; TD-6—nr; ‘36 F-20, restored; Over 30 Cub Cadets—nearly all different models;
Other Tractors: 1968 AC D-21 Series II, nice paint, rebuilt inj. Pump; AC D-21, new motor, big
rubber, PTO, 3pt, original paint; 1918 Huber Lite 4, fully restored & rare! Oliver 990/995 GM
3cyl Diesel, no SN# tag, runs; Case 930 Standard Diesel, foot clutch, runs good; ‘64 Case 730,
Dual Range, repainted; ‘51 Case VAC, good tires; ‘48 Case VAC w/ #5 JD Mower, runs good; Case
4cyl Air-Cooled Engine; Ford 981 Diesel, Select-o-Speed, runs good, PS; ‘55 Ferg 35, 3,977
hours, new rubber—mint; MF 85, 3pt, gas; ‘53 MH 44, restored, MH 44—nr; MM GB-LP; AC D-17
Diesel, wf, 1-hyd, Snap Coupler, runs good; AC WD, runs good; AC 416 L&G, 3pt, bad motor;
1991 Chevy Step Van, 454, auto, runs good, 146K miles—great Swap Meet Truck!
Gas Engines: Witte 8hp on Large Trucks, runs; JD 1 1/2hp—runs; IH M 1 1/2hp on trucks-restored;
30 Tractors from the Mel Nordruff Estate, Beresford, SD, all have been restored or
repainted: Thieman Tractor; IH 300 Diesel; ‘66 IH 706, gas, wf; ‘58 IH 560 gas, wf; ‘52 IH
Super C; ‘40 IH A; IH B; ‘48 IH C; ‘41 IH H; ‘44 IH H; ‘48 IH M; ‘30 Regular on rubber; ‘35
IH F-20 on rubber; ‘35 JD B on cut-offs; ‘54 50; ‘56 60; JD MT; ‘40 JD A; ‘39 JD B; ‘40 JD
B; ‘52 JD B; ‘36 Case RC on rubber; ‘50 Case SC; Case VAC; AC C; ‘48 AC WD; ‘52 Ford 9N;
MM U; 2 Wood Triple Box Wagons on Wood Wheels; JD Plow; IH Small Thresher—nice original;
Large assortment of antique machinery, parts, and smalls! See website for more details!
Terms: Cash, Good Check, Visa, MasterCard. SD Sales tax applies. Live Internet bidding on Tractors & select
equipment only. 10% buyer’s premium for online & absentee bids only. All items sold as-is with no guarantees.
Note: Check GirardAuction.com often for updates and more photos. If traveling from a distance for a
particular item, please call in advance to make sure it is here. All items advertised in good faith,
not responsible for “no-show” items.
STILL TIME TO CONSIGN YOUR TRACTOR—CALL TODAY!
GIRARD AUCTION
& LAND BROKERS, INC.
(605) 267-2421
Toll Free: 1-866-531-6186
GirardAuction.com • GirardBid.com
Roofing • Siding
FREE Roof Inspections!
You Are Invited...
A&ARoofing19-152x2MVS.indd 1
Looking
for the
best deal in
town?
Check
the
CLASSIFIEDS!
5/29/15 10:00 AM
Yankton Baptist Church
This is your invitation to attend Worship: Sunday
morning at 10:45 am or Wednesday evening at
7pm. Our Worship Center is located at 607 E. 15th,
Yankton, SD. See you there!!
Phone: 605-665-7587
Text: 434-665-2467
www.yanktonbaptistchurch.com
MV Shopper
319 Walnut St.
Yankton, SD 57078
MV Shopper
M I S S O U R I VA L L E Y
M I S S O U R I VA L L E Y
605-665-5884
285 Acres of Clay County, SD Land
ESTATE AUCTION
Wednesday September 9th, 9:30 a.m.
Located: 4 miles South of Wakonda, SD or 4 miles East of Volin, SD. Corner of 306th
Street and 455th Avenue. Auction site is 1/4-mile south of the intersection.
TRACT I: This farm is mostly all tillable, soil ratings are very good with a productivity rating of 84 and
80. This has always been a very good producing farm and the crops have always been rotated.
LEGAL: East 1/2 South east 1/4 and East 1/2 Northeast 1/4 except East 615 feet of the North
525 feet and except Hoxeng Tract I in the East 1/2 Northeast 1/4 in Sec 21-94-53, Clay County, SD.
131.16 taxable acres. Approximate taxes are $3,381.31.
TRACT II: This farm has approximately 124.34 acres now under cultivation with balance into building
site, grass and waterways. The majority of the productivity rating is from 73 to 80. The building site
consists of a 40x76 Astro machine shed built in 1980 with concrete floor and lined 8ft for grain
storage. There is an older 2-story, uninhabitable home with rural water along with other older out
buildings. This would make an excellent place to build a new home as there is a good wind break and
oil roads on the west and south sides.
LEGAL: The Southwest 1/4 except the South 10 rods of the West 10 rods in Sec 15-94-53, Clay
County, SD. 153.17 taxable acres. Taxes are $4,194.90.
TERMS: Each tract will be sold separate and will not be tied together. 10% nonrefundable
down payment is due the day of auction with balance due on closing date of December 1, 2015.
Possession is on January 1, 2016. Taxes paid by the seller through Dec 31, 2015. Title insurance
and closing costs will be split 50/50 between the buyer and the seller. Clay County Abstract & Title
Co is the closing agent. Auctioneers are acting as agents for the seller. Call for a free property
information packet.
VIVIAN KOPPING ESTATE
CAROLYN NELSON – PERSONAL REPRESENTIVE
GIRARD AUCTION
& LAND BROKERS, INC. Marv Girard, BA; Ken Girard, CAI, AARE;
Mike Girard, CAI, BA; Mike Manning BA;
(605) 267-2421
Scott Moore, Auctioneer
Toll Free: 1-866-531-6186
GirardAuction.com