082515_YKMV_A2.pdf
August 25, 2015 • Page 2
shop online at www.missourivalleyshopper.com
Dave Says
Don’t Argue About It
tell them you’re
on different pages
about this stuff.
Let them know you
love them, but that
you’re in complete
disagreement on
this topic and
you’re not going to
argue about it with
Dave
them.
There are always
things you disagree
about in families
from time to time. But the truth is they
went on a financial bender. When they
wake up with a hangover, you might be
able to help them, but right now they’re
drunk. They’re financially drunk.
They’re buying everything in sight, and
they’re rationalizing it and justifying it.
Just pray for them, love them, and
be in their lives. Continue to do what’s
smart, and try to avoid arguments. See
where it goes from there. Maybe, when
they sober up financially, they’ll ask for
some help.
—Dave
BY DAVE RAMSEY
Dear Dave,
My wife and I really got serious
about your plan. We even sold our
house to become completely debt-free.
Now, we’re trying to help my mom and
dad. They liked your plan at first, and
even taught Financial Peace University
(FPU) at their church. Then, everything
changed. They went out and leased a
new car, bought another one on payments, and picked up a bunch of credit
cards. They’re trying to tell us that you
really do this stuff too. How can we
help them?
—Michael
RAMSEY
Dear Michael,
What you’re describing is so inconsistent it’s hard to grasp. I mean, how
do you go teach FPU and then come
back and claim Dave uses credit cards
and does all those other dumb things?
How do you do that then go lease a car
and buy a new car and argue against
what you’ve been teaching in a class? I
don’t know. But I do know that I don’t
mess with any of that stuff!
They’re not really asking for your
opinion. So, I don’t think they can be
helped until there’s some kind of an
opening. It’s like the old adage says:
“Those convinced against their will
are of the same opinion still.” I’d just
DUE DILIGENCE
Dear Dave,
I own a small business specializing
in cell phone repair. Sometimes I buy
phones and parts on eBay. I can make
sure the phones
are not stolen by
running a check
on the serial
Dear Gordan,
I would try to deal only with reputable sellers. eBay, I believe, has a ratings
system and you have power sellers and
so forth. Try to find someone who has
a steady stream of cell phone parts,
someone who’s a reputable, long-time
seller and doesn’t appear to be a fence.
eBay doesn’t tolerate that kind of stuff if
they can find it.
I would also do a reasonable amount
of due diligence in terms of research.
But at the end of the day, you can’t
completely guard against that unless it’s
a serial-numbered item. I wouldn’t say
never buy anything on places like eBay,
but I would try to use some common
sense and judgment.
I used to say I had a bad gut feeling.
Then, a pastor friend of mine told me not
to call the Holy Spirit a gut. It’s not a gut
feeling; it’s God’s spirit — listen!
—Dave
It was Thursday again. Mabel Adams asked at the desk to
be sure.
“Thursday all day, Mabel,” the girl said. “Don’t forget to get your hair done today. Two o’clock … right?”
“Right,” Mabel said, locking the time away in her
mind. “Two o’clock. On Thursday.”
She took her purple walker and went half a block to
the counter at the drug store.
That nice Williams girl came over with a smile and a menu.
“Tuna on toast, Mabel?”
“Uh, sure. I like that.”
“Hot tea?”
“Yes please.”
After she ate, she started down the sidewalk toward
the Curl Up ‘N Dye beauty parlor. The watch pinned on her
dress said one forty five.
Mabel went over to her usual chair and sat down.
Fran came over and looked at Mabel’s hair with a smile.
“You still look pretty ravishing, Mabel,” she said. “Sure
you want a touch-up today?”
Mabel nodded.
“Going to watch that movie with the girls tonight?”
Movie. Tonight.
“Sure,” said Mabel.
It’s nice to live in a small town, because if you don’t
know what you are doing, someone else does.
MV Shopper
CLASSIFIEDS
M I S S O U R I VA L L EY
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.
IN PRINT & ONLINE
OUTSTANDING
PAY PACKAGE
SALE
Boston Shoes to Boots
312 W. 3rd • Yankton • 665-9092
BACK TO SCHOOL
1 average room
2 average rooms
3 average rooms
numbers. However, I cannot be certain
about the individual parts. Is there a
way I can ensure I’m not dealing with
stolen parts?
—Gordan
SPECIAL
$44.95*
$68.95*
$88.95*
*Includes hallway
To place your ad call...
Sign On Bonus Mileage
Pay On Duty Pay
Per Diem
SOLID and
RELIABLE
TRUCKING
Since 1937
Need Drivers
IMMEDIATELY
605.665.5884
YOUR RADIATOR
HEADQUARTERS!
Looking
for the
best deal in
town?
Check
the
• Great Parts • Great Warranty
On-Hand & In-Stock! NO WAITING!
Cox Auto
1007 Broadway Ave.
Yankton • 665-4494
TIME MANAGEMENT WORKSHOP
in the YORK, NE AREA
CLASSIFIEDS!
Class A CDL + Prior
Experience
Call Curt for
Immediate
Consideration
402-678-2201
www.werner-trucking.com
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.
Lisa Te Slaa, MBA
Take control of your life! Learn to plan and
organize effectively, set and achieve goals,
and live a balanced life.
When:
Tuesday, September 15
7:30 am - 11:30 am (includes breakfast)
KPI Training Center, 700 W. 21st St. Yankton
Where:
Register at http://sesd.shrm.org before 8/31/15 and
recieve an early bird discount.
GirardAuction.com
605-665-5884
Stop at Kayton International, Inc.
(Diesel Exhaust Fluid)
CNH DEF is
60 Gallon Tank
with 9 gallon per minute pump
OR the Best Value
per Gallon
CNH Diesel Exhaust Fluid (DEF) - DEF is a
nontoxic solution made up of purified water and
pure automotive grade urea. DEF is not a fuel
or fuel additive.
• Stable, colorless and non?polluting
• Not?hazardous by any published
EPA guidelines
• Non?toxic and non?flammable
• Meets ISO Standards 22241 for purity
and composition
• Is an American Petroleum Institute (API)
certified diesel exhaust fluid. These are
the highest quality and safety standards in
place to ensure optimum SCR performance.
• Does not require special handling
KAYTON INTERNATIONAL, INC.
Web Site: www.kaytonint.com
2630 State Hwy. 14, Albion • 402-395-2181 • 800-248-2215
1211 W. 2nd, Crofton • 402-388-4375 • 800-798-4376
West Hwy. 275, Neligh • 402-887-4118 • 800-247-4718
Want to Downsize
Your Gas Guzzler?
Find your answer in the Missouri Valley Shopper Classifieds – in print and online!
Go to www.missourivalleyshopper.com or call 605-665-7811.
M I S S O U R I VA L L E Y
For ALL your DEF Needs...
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
MV Shopper
319 Walnut St.
Yankton, SD 57078
MV Shopper
M I S S O U R I VA L L E Y
Missouri Valley Shopper Classifieds
AUTOMOTIV
E
06 CIVIC. Ru
ns great. 34
MPG, 30k mil
es. Call Jim
(605) 555-321
0.