July 7, 2015 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Pause Investing For A Luxury? BY DAVE RAMSEY Dear Dave, Where should you save for large expenditures when you’re doing the Baby Steps? —Heath of slowing down on funding your retirement. The basic idea here is to always handle your money with planning, purpose and maturity. You’ve got a little room to play back and forth once you get past Baby Step 3. But until then, I want you to be hardcore about scrimping, saving and getting your financial house in order! from a financial standpoint. Let’s say you buy an item for $1,000, and you get a cash rebate for $100. Basically, you just paid $900 for that item, right? So, what the companies are trying to do is incentivize certain retailers to buy a particular product or amount of that product, yet sort of protect the sticker price in the minds of the consumers. To me, it’s really a little ridiculous. Why not simply take off the money, and price it at $900? That keeps retailers from jerking around with the margins. It purifies the process a little bit, but it adds to the hassle. Good question, Dan! —Dave We all watched as the flag came by. It was the first thing in the parade, of course. Great big one, carried by two of the kids from the ROTC at the high school. The bands followed, along with the mounted patrol, the ski patrol in their summerweight jackets, the float with the princesses on it, and the Dear Heath, local kids leading dogs and cats – some rather reluctantly – Depending on what the expenditure on leashes. is, I would suggest saving for these sorts For some of us, the Fourth of July parade is a of things after Baby Step 3. Once you’ve Dave chance to see just how much the local kids have grown over paid off all of your debts, except for your home, and built an emergency fund of the past year. For others, it’s a chance to see something that three to six months of expenses, you is really ours. This is our valley. This is our town. This is our reach a point where you can breathe a parade. These are our people. These are the people who little bit. After all that hard work and make our little valley unique in the whole world. This is a —Dave sacrifice, you’re finally in a position to chance for us all to get together and celebrate us, you know? replace that ratty, old furniture or get a But all that comes later. What comes first on this better car. The question then is this: How Dave Ramsey is America’s trusted day above all others is the American flag. Oh, it’s a great big THE REBATE EXPLANATION much do you want to temporarily cut voice on money and business. He has one. Where they found this one, I don’t know, but it takes two back on investing in order to make this authored five New York Times best-selling high school boys to carry it. It really doesn’t matter what size Dear Dave, expenditure happen? books. The Dave Ramsey Show is heard by it is, because it’s what it means to us that counts. How do cash-back rebates work on Personally, I’d like to see you allocate more than 8.5 million listeners each week To Herb over there, there are memories of his terelectronics and other items? a fixed percentage of your income toward on more than 550 radio stations. Dave’s —Dan play money and still be able to put 15 latest project, EveryDollar, provides a free rible days in Korea, I’m sure, and the wounds that sent him percent of what you make into retirement. online budget tool. Follow Dave on Twitter home early. To Doc, maybe it’s the way the G.I. Bill let him go Dear Dan, If you want to slow down a bit on Baby at @DaveRamsey and on the web at daver- back to college and fulfill his life’s dream of taking care of sick people. I like this question. Most consumers Step 5, which is paying off the house, in amsey.com. To Annette, over across the street there, there is a order to take a once-in-a-lifetime vacation, don’t think about how the process works. look in her eyes that tells us that flag meant she could protest I’m cool with that. But I don’t like the idea They only care that it’s benefitting them whatever the complaint-du-jour was during her college days. She knows there are few places in the world this tolerant of unpopular opinions. And then there’s Dewey down on the corner. He’s got his hand over his heart as the flag goes by. Maybe he’s thinking of a country that will allow him to start a business with a borrowed pickup and a shovel and supply our flower beds with fertilizer. He sure wasn’t able to make anything else BROOKINGS, S.D. - South Dakota State University Colleges of Agriculture and Biological Sciences and Education and Human work for him. And today this accident-prone pal of ours has branched out into fishing worms and compost. Sciences celebrate four individuals for their contributions to South Dakota’s communities and agriculture industry with the But these are just speculations, because what the Eminent Famer/Rancher and Eminent Homemaker Honor. flag means to each of us is personal. We don’t have to tell The 2015 Eminent Farmers/Ranchers honored are Gary Duffy, Oldham and Rebecca “Becky” Walth, Glenham. The 2015 anyone. We never have to explain. We even have the freedom Eminent Homemakers honored are Ida Slocum, Aurora and Helen Sweeter, Worthing. not to be here looking as the flag goes by. Established in 1927, the Eminent Farmer/Rancher and Eminent Homemaker awards recognize individuals for their contriIt’s an American thing. A very private American moment. butions of leadership and service to the community on the local, state and national level. Each year SDSU selects four individuals to honor based on confidential nominations from across the state. The nominations are reviewed by a committee of SDSU faculty members, administrators and SDSU Extension personnel and are approved by the Deans of the Colleges of Agriculture and Biological Sciences and Education and Human Sciences. The honorees photos join the more than 300 portraits of Eminent Farmers/Ranchers and Homemakers which are displayed in the “Hall of Fame” portrait gallery located in Berg Agricultural Hall on the campus of South Dakota State University. Eminent Banquet Held Sept. 18, 2015 The 2015 honorees will be recognized during a banquet held September 18 at 5:30 p.m. at the McCrory Gardens Education and Visitor Center, Brookings. Tickets are $25 and are available from the Office of the SDSU Extension Associate Director, Berg Agricultural Hall 154, SDSU Brookings, S.D., 57007 or by calling, 605.688.4792. ?iGrow RAMSEY 2015 Eminent Farmers/ Ranchers & Homemakers FAX US YOUR AD & SEE THE RESULTS! 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