November 25, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Protecting Her From Herself Dear Dave, My mother-inlaw is in poor health and doesn’t have a lot of money. She has been giving us a lot of her earnings over the last couple of years as a kind of early inheritance, because she’s afraid she’ll Dave spend it all. We’re setting it aside in a savings account in case she needs it, but I still feel strange about the situation. What do you recommend we do? My recommendation is pretty simple. She needs to learn how to properly handle her own money. Obviously, it wouldn’t be a good idea for you to say that to your mother-in-law, so your wife should be the one who attempts to lovingly and carefully deliver the message. The conversation still may not be pleasant, but there’s a better chance she’ll listen to a daughter than to you. I appreciate the fact that you and your wife aren’t being greedy or opportunistic about this situation. Setting the money aside and earmarking it for your mother-in-law later on is an honorable thing. If your wife can’t convince her RAMSEY —Andrew Dear Andrew, This is an odd scenario. It’s like taking donations from poor people because they refuse to address their own issues. COUPON $ 6 OFF Family Meal 665-4433 2504 Fox Run Parkway Yankton, SD •8 pc Chicken •2 Lg. Sides •4 Biscuits Sign up for our texting program to receive NO OTHER DISCOUNTS APPLY up-to-the-minute offers! Expires 12/8/14 *Yankton Location Only. mom to start taking care of her own finances, at least you can protect her from herself. You’d still be treating the symptom instead of the problem, but if she won’t listen it may be the best you can do. —Dave WEDDING BELLS TIMES THREE! Dear Dave, We have three daughters under the age of 5, so we may be spending quite a bit on things like weddings in the years to come. Is there a Baby Step for weddings? If not, during which Baby Step do you recommend setting aside money for this? —Carrie Dear Carrie, I don’t have a Baby Step for weddings, but in my mind it would come after Baby Step 5, which is putting aside a college fund for your children. Once you have education savings, retirement and extra house payments underway, then you could start putting aside a little extra for weddings. This may not make me popular with some young ladies or their moms, but an education is more important than a wedding. Maybe this is the dad in me coming out, but if I had to choose between paying for college educations and paying for big weddings, I’m going to pay for school. In my mind, anyone who disagrees with that is kind of a twit. Weddings are wonderful, and you should mark these kinds of milestones with celebration. But a wedding is only a one-day event. Plus, there’s absolutely no statistical correlation between the size and expense of the wedding and the success of the marriage! —Dave ———— Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership and Smart Money Smart Kids. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. FAX US YOUR AD & SEE THE RESULTS! Use your FAX machine to send us your Classified ad. Remember to include your name & ad. Prepayment is required when placing classified. We accept Visa or Mastercard. Lesterville Fire & Rescue Classified FAX number: ANNUAL FALL DANCE 605-665-0288 Sat., Nov. 29th, 2014 • 8pm-12am CLAY CREEK DEAF COWBOY BAND Tickets: $7 each 319 Walnut • Yankton, SD 57078 • Phone: 605-665-5884 Prizes to be given away at dance! Proceeds go to training and the purchase of equipment Need not be present to WIN Let Our Family Business keep yours in the go with: Steve will have Thanksgiving dinner over at Doc’s and Mrs. Doc’s this year, and any number of his friends are grateful for that. Steve is one heckuva cowboy and trainer of young colts, and a good friend to all, but he’d never make it as a dinner host. Very few Thanksgiving dinners achieve legendary status, but “Steve’s Thanksgiving” was certainly one of them. Some said it happened because he’s lived alone and cooked meals for himself for so many years. Some say he has worked alone for so long that he isn’t of a coordinating mind. The answer could be buried in the middle there somewhere. Steve himself isn’t certain. It all happened early in Fall a couple of years ago when Steve completed his cabin up in the mountains here. He’d even finished the turret. In about September of that year, he’d started cleaning the place up on his infrequent visits, because he just knew somewhere inside that he’d created a modest monument there and wanted to share it with his friends. Naturally. So, back at the ranch bunkhouse down in the valley, he’d studied up on how to roast a turkey: what to put on it, how to thaw it, how to tell when it’s done, all that stuff. Then he invited his friends for Thanksgiving dinner, up at the cabin. He told each one that he’d be fixing a turkey dinner up there and to come on • Farm Filters • Hydraulic Hoses • Bearings & Seals Cox Auto up and have some fun. And each of them, in turn, asked Steve what they should bring for the dinner. “Oh, I don’t care,” he’d said, “you know … whatever you’d like, I guess.” He said that to Doc and Mrs. Doc. And Dud and Emily. And Herb. And Bert and Maizie. And Marvin and Margie. And Mavis at the Mule Barn. That Thanksgiving Day was a sparkler … crisp sunshine, Fall colors. Oh man, it was great! And the turkey was in that wood-fired Home Comfort range and looking brown and juicy when the friends started to arrive. They’d each made the considerable drive up the mountain to the end of the road, then walked in the last hundred yards to the warm and cozy little cabin. And each of them … every one of them … brought a pumpkin pie. Turkey and pumpkin pie. Traditional favorites on Thanksgiving. But … strangely enough, after three of the pies had been consumed, there were still some left over. But hey, that turkey turned out all right. And this year, Steve’s going over to Doc’s and Mrs. Doc’s for dinner. Mrs. Doc told him to bring biscuits. ------Brought to you by Home Country (the book). Check it out at lpdpress.com. www.missourivalleyshopper.com 1007 Broadway Ave. • Yankton • 665-4494 Schuurmans Farm Supp y Farm Supply pp ply p W WINTER COMING WINTER IS C COMING COMING... 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