shop online at www.missourivalleyshopper.com March 3, 2015 • Page 3 It Shouldn’t Take A Year not a good plan. That’s just one of the reasons I tell people to have an emergency fund in place before they start investing! —Dave Dear Dave, I’m 30 and debt-free. Do you think I should stop making contributions to my 401(k) account for a year in order to save up an emergency fund? Beth Dear Beth, Yes, I do. But it shouldn’t take you a year to set aside an emergency fund if you’re debt-free and making decent money at your job. Just make it part of your monthly budget plan, grit your teeth and do it! I recommend that people put off or stop investing until they are A waste of money? debt-free, except for their home, and have an emergency fund of three to six months of expenses in place. In some cases, depending on how much debt they have, it could take three or four years to do all this. I know it seems like a long time, but it’s really not in the grand scheme of things. Here’s the way I look at it. If you have no emergency fund, but you’re contributing to your 401(k), there’s a good chance you’ll end up cashing out your 401(k) if a large, unexpected expense comes along. When you cash out a 401(k) early, you get hit with a penalty plus your tax rate. That’s Dear Dave, I have a question about home warranties. Are they a waste of money if you already have a fully-funded emergency fund, with six months of expenses or more set aside? Andy Dear Andy, In my opinion, they’re a waste of money even if you don’t have that much set aside for emergencies. I recommend an emergency fund of three to six months of expenses to cover the unexpected things that life will throw at you. This amount of cash, sitting in a good money market account with check writing privileges, will give you easy access in the event of a financial emergency. I don’t do extended warranties of any kind, Andy. They’re not a good deal. You’re better off to self-insure against things breaking down, and put what would have been profit and marketing dollars for the extended warranty company in your own pocket! —Dave Call Classifieds 665-5884 There were 1,485, 721,536 stones in the truck ahead of you ... and one of them just struck your windshield. Call For A FREE Estimate Too many mouths to feed? RON’S AUTO GLASS 605-665-9841 1915 Broadway, Yankton, SD Ron Evans, Owner Over 20 Years Experience Cedar County Land For Sale 357.83 Acres, More or Less Located on Highway 12, 2 miles North of Fordyce, and 1 Mile East Legal: The West Half of the Northeast Quarter (W1/2NE1/4), the northwest quarter (NW1/4), the Northeast Quarter of the Southwest Quarter (NE1/4 SW1/4), and the West half of the Southeast Quarter (W1/2SE 1/4), all located in Section Twenty (20), Township Thirty-two (32) North, Range One (1) East of the 6th p.m., Cedar County, Nebraska, less highway. Place an ad in the Missouri Valley Shopper today! Please call Archbold Law Office, LLP at (402) 373-4240 to receive a bid package. Interested parties should submit a bid in writring, no later than noon, on March 6, 2015. 605-665-5884 319 Walnut • Yankton, SD Sellers: Gerry J. Hochstein and Frances M. Hochstein The owners have the right to reject any and all bids. Liquor Specials 109 W. 3rd St. in Downtown Yankton www.yanktonrexall.com Miller Highlife & Light Lord Calvert 1.75 L 30pks 15. $ 605-665-7865 Hours Monday-Friday 8:30-6:00 Saturday 9:00-4:30 14. 99 Ancient Age FREE Customer Parking $ 99 Karkov Vodka 1.75 L 1.75 L 18.99 12.99 $ $ up to Extra Cash Off... 10% Friday, Saturday & Sunday off storewide March 6th, 7th & 8th + Draw for Extra $$ off at the register for final savings *Same restrictions apply. See store for details. Check out our financing for 36 months! it?s a good life™ Price Effective March 3rd- 9th livery De kend Wee ton Yank ! Only 920 Broadway, Yankton • 665-3719 WAGONHAMMER RANCHES $25 = ANNUAL TOTAL PERFORMANCE PRODUCTION SALE 15 WORDS 1 PHOTO 1 NEWSPAPERS 1 SHOPPERS SPEEDY SALE! Selling...Quality in Volume!!! Wednesday, MARCH 18, 2015 12:30 pm Shamrock Livestock Market • O’Neill, NE Selling 200 Lots He Sells! Lot 1. Sire PA Safeguard BW 72 lbs.; WW 802 lbs.; 550 wt. 1,717 lbs. EPD's: BW +0.4; WW+54; M +31; YW+ 106 Get EXTRA exposure and a Speedy Sale! Great school car! 2003 PT Cruiser, silver, 91,000 miles, good gas mileage. $4,200 call (555)555-5555 Get Extra offer good through April 30, 2015. Subject to change without notice. He Sells! Lot 45. Sire Connealy Calvry. BW 84 lbs.; WW 775 lbs.; Adg. 4.9 lbs.; YW wt. 1,560 lbs. EPD’s: BW+3.2; WW+78; M +30; YW+ 131 WAGONHAMMER RANCHES has the program you can count on! PRESS&DAKOTAN PRESS&DAKOTAN Y A N K T O N D A I LY Y A N K T O N D A I LY 319 Walnut 605-665-7811 yankton.net Big Growthy cattle sired by some of the breed’s greatest sires. • First Breeding Season Guarantee • 52 Years Strong ... AI and AHIR • Complete Performance Data on Every Lot • Stacked Pedigrees • All Bulls Fertility Tested • Calving Ease Bulls with Performance! • Ultrasound Measured • Embryo Transplants • Volume Buyer's Discount Available Buying or Selling a Car? Your 15 word, 1 photo classified ad will run for 6 days in the Press & Dakotan, and once in the Missouri Valley Shopper for only $25! 185 Black Angus Bulls 15 Registered Angus Heifers For more information and catalog, contact: Jay Wolf Family, Owners • 402-395-2178 Box 548, Albion, NE 68620 Myron Benes, Sales • 402-649-2719 www.wagonhammer.com jay@wagonhammer.com She Sells! Lot 187. Sire Styles Upgrade Fancy Show Heifer-Brood Cow-Donor Prospect BW 74 lbs.; WW 582 lbs.; YW 872 lbs. EPD’s-BW+I.I; WW+59; M+33; YW+97