er.com per.com er.com shop online at www.missourivalleyshopper.com Dave Says How To Have A Debt-Free Wedding By Dave Ramsey Dear Dave, How do you have a wedding without debt? —Lynn Dear Lynn, Wow, where do I start on this one? I guess the best way is to tell the truth. Honey, that question kind of makes you Dave sound like a little princess. How do you have a wedding without debt? It’s really simple. You have a wedding with the money you have. There’s nothing wrong with small, inexpensive weddings. And once you accept that and start thinking about things from a mature, adult point of view, you’ll start realizing you can scrimp and save and have a really nice, small wedding. Lots of people have beautiful, memorable ceremonies and even small receptions for less than $1,000. Sure, you can run out, go into debt and wear an $8,000 wedding dress for a few hours on one day of your life. Or, you can find Ramsey one that’s much cheaper — even something that’s been worn one time — for a couple hundred dollars. Think that’s tacky? Well, let me tell you what’s even more tacky and dumb — going $15,000 to $20,000 in debt for one day! To have a wedding without debt you have to be creative and think within your budget. That means growing up and not throwing a temper tantrum just because you can’t have every little thing you want. Most people don’t have lavish, expensive weddings, and guess what? Years down the road they’re still married, madly in love and laughing and hugging when they remember the best day of their lives. Please, don’t turn what’s supposed to be a happy occasion into a financial mess that will take years to clean up! —Dave You said your husband works for a large company, so my guess is they do this as an employee retention move. That’s why they restrict the stock. They’re trying to get people to stay with the company, and you’ll only be able to sell them after they are no longer restricted. Usually, these kinds of things have a one- or two-year restriction. I doubt they’d put a five-year hold on it, but check with the company to find out the specifics. They can tell him when the stock is free to be sold. If it were me, I wouldn’t hold on to too much of it. I don’t own single stocks. They have too much risk for my taste. Keep a little bit, if you want, but don’t put all or even most of your financial eggs into that one basket! —Dave Dear Dave, My husband works for a large company and receives restricted stock bonuses of approximately $5,000 each year. We’re not sure exactly how long they’re restricted, and we both wonder if we’re allowed to sell these options? —Patty Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored five New York Times best-selling books. The Dave Ramsey Show is heard by more than 11 million listeners each week on more than 550 radio stations and digital outlets. Dave’s latest project, EveryDollar, provides a free online budget tool. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. www.missourivalleyshopper.com restricted stock? What to do with www.missourivalleyshopper.com Dear Patty, Keeping Your Dining, ntertainment, Livestock Vaccines E www.missourivalleyshopper.com and Viable rations! Celeb BROOKINGS, S.D. - Vaccines are a vital part of keeping all livestock healthy, explained Tracey Erickson, SDSU Extension Dairy Field Specialist. “Vaccines help in the prevention of disease which results in less utilization of antibiotics due to fewer sick animals,” she said. However, Erickson explained there are multiple factors influencing immunity, including but not limited to: medical history, vaccine type, method of administration, age and species being vaccinated. “Vaccines provide protective immunity approximately 21 days following the initial vaccination in the majority of livestock. Some vaccines may require booster vaccination(s) to ensure immunity for the period designated by the manufacturer. A valid Vet-Client-Patient relationship will help you as you select the vaccine of choice for your livestock health program,” Erickson said. Most livestock owners are utilizing one of two types of vaccines: inactivated (“killed”) vaccines, which contain bacteria or viruses inactivated by heat or chemicals, or modified-live virus (MLV) vaccines, which contain whole viruses altered in such a way that, while they are able to multiply within the body, their ability to cause disease has been taken away. Vaccine viability Vaccines are only as effec- Visit our Web site at www.missourivalleyshopper.com OPEN 11 AM - 10PM COUPON - Offer expires 12/31/15 600 OFF $ er.com Visit our Web site at www.missourivalleyshopper.com er.com 2504 Fox Run Pkwy. Yankton, SD er.com per.com er.com www.missourivalleyshopper.com Hey Kids! www.missourivalleyshopper.com Santa will be visiting Hy-Vee www.missourivalleyshopper.com Saturday, December 12 10 am - 1 pm Visit our Web site at www.missourivalleyshopper.com Stop in and visit him and have mom or dad bring their camera for photos! 2100 Broadway, Yankton (605) 665-3412 Visit our Web site at www.missourivalleyshopper.com Wednesday, December 9, 2015 3:30 to 5:00 pm EARN A CASE IH REWARD CARD* On qualifying purchases of Case IH-branded toys made between November 1, 2015 and December 31, 2015 SPEND RECEIVE $100-$499.99 $20 Case IH Reward Card $500 or More SPEND $1000.00 ON OVER THE COUNTER PARTS AND RECEIVE A $125 Case IH Reward Card 50.00 IN STORE CREDIT $ DON’T MISS OUT ON OUR SPECIAL OFFERS ON DECEMBER 9TH 15 % ALL OFF Clothing & Toys KAYTON INTERNATIONAL, INC. Web Site: www.kaytonint.com n VACCINES, Page 5 “WHEN I WAS LOOKING FOR A JOB, I PUT THE CLASSIFIEDS TO WORK!” Our Help Wanted Listings Have Hundreds Of Opportunities For You... • Full-Time • Part-Time • Permanent • Temporary 319 Walnut • Yankton, SD 605.665.5884 LADIES, Don’t forget Cox Auto for great Christmas gifts!! NAPA TOOLS & EQUIPMENT STORE/TRUCK SALE Save Now On Professional Quality Tools and Equipment ONE DAY ONLY! Thursday, December 10th 10:00AM - 8:00PM Great Values, Wide Selection COX AUTO SUPPLY 1007 Broadway • Yankton, SD 605-665-4494 SAS Safety Equipment • Air Compressors • Generators • POSI LOCK • Hydraulic Jacks • Lug Wenches •VISE GRIPS® • Hand Tools • Air Tools • Tool Boxes • Air Tools er.com Family Meal 8 Pc. Chicken, 2 Lg. Sides, 4 Biscuits tive as their proteins, Erickson explained. “Proteins are the major components of the organisms that make up both killed and MLV vaccines. Proteins are denatured by the interaction of two major factors; time and temperature,” she said. She added that most common disinfectants will render modified live organisms inactive. “So the anti-bacterial soap or even city or rural water, which contains chlorine, can have an effect on vaccines, when residues are present in your syringes or transfer needles. Thus, rinse with distilled water which is near the boiling point,” she said. Other considerations for handling, storing and using vaccines are as follows: Purchasing and use considerations of vaccines: Check expiration dates and make sure you can use it before it expires. For MLV vaccines purchase a smaller dose instead of larger dose vials, which will enable using the vaccine in a shorter time period. Also, Erickson reminds livestock producers to purchase an adequate number of needles and plan on replacing the needle about every 5-10 head of cattle. Do not straighten a bent needle, replace it. Transporting and storing vaccines: Check the recommended storage temperature, and use a cooler while transporting and while vaccinating to keep the vaccine at the recommended temperature and also to minimize exposure to sunlight. Check your refrigerator’s temperature periodically to assure that it is working properly and is keeping the vaccines at the correct temperature. Equipment and work area: Make sure your equipment is clean and rinsed with distilled water to remove any residues. Set up an area for syringes such that they are kept cool, shaded, and dustfree while working. While working: Keep vaccines in a cooler with ice packs in summer or possibly hot packs in winter if it is too cold. (Check vaccine labels for proper storage temperature.) If using MLV vaccines, only rehydrate the vials either one at a time or as they are needed. Make sure you are using a clean transfer needle and use only the diluent supplied by the manufacturer to rehydrate the vaccine. Always use a brand-new needle to draw up the vaccine into the syringe. When using needle-free injection systems, or syringes that draw doses from a tube attached to the vaccine bottle, care should be taken to assure the bottle and tubing stay cool and shaded from sunlight. No job is done ‘til the clean-up: Discard any mixed MLV vaccines that are not used, as they are only viable for about an hour or two after reconstitution. Windy Wilson was cruising around the other day, in search of an audience, but the cold drove him indoors … at the elementary school cafeteria. “What’s that you say? Coldest you ever been? Well, kids, let me tell you somethin’ about cold! “When I was just a tad, we was comin’ off what they used to call an Ice Age, you know. Thassa fact. It was so cold back then we had to use special thermometers to see how cold it was. Mixed anti-freeze in with the mercury or it wouldn’t work. If you had a regular thermometer, had to bring it in the house to make it work. “Speakin’ of bringin’ things in the house … most mornin’s it was so cold we had to bring the milk cow in the house to milk her. If you tried it outside, them faucets would just break right off! Why, one time the train coming here from the east got so cold it plumb froze solid at sixty miles an hour. Yessir, just locked up, wheels and steam boiler and the whole caboodle. This happened about four miles east a-here, but them passengers was safe. You see, that train was going fast enough when it froze that it just slid the rest of the way into town and came to a dead stop right by the station house. Thassa fact.” Windy warmed to his cold subject. “’Course, by the time I come along, it was gettin’ harder to find them woolly mammoths, you know. Got too dang warm for their wooliness. Yessir, they all migrated to Kentucky and holed up in a big ol’ cave. Named it in their honor, a-course. Look it up on the map. Call it Mammoth Cave. “So it ain’t really whatcha call cold out here, but you kids should probably still dress warm … you know … ‘case the temperature drops.” VISE GRIPS® • Hand Tools • Test Equipment • Service Tools • Air Compressors • Welding Equipment • Grease Guns • Battery Chargers/Boosters er.com December 8, 2015 • Page 2 Lug Wrenches • VISE GRIPS® • Hand Tools • Service Tools • Air Compressors