March 29, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says No Arguments By Dave Ramsey Dear Dave, My dad and I have been having arguments over real estate and money. My wife and I are 33, and we have a rental property. We were trying to decide whether or not to sell the rental in order to pay down on our home. My dad has been very vocal about what he thinks we should do, and it’s starting to cause problems in our relationship. The two homes are our only debt, and we make $110,000 a year. We owe $132,000 on our residence and $80,000 on the rental. We could sell the rental for around $160,000. What do you think we should do? —Ricky Dear Ricky, I wouldn’t sell the rental today, but it’s definitely a strong consideration in the future. You wouldn’t realize enough from its sale to pay it off and your home at this point, so work aggressively toward paying down the mortgage on your home. Then, when you get far enough down that the sale of the rental would pay it off, go for it if that’s what you both want. You’re doing really well financially for a couple your age in San Diego. Now, let’s talk about something else for a moment. I would love for you to listen to your dad for advice, but I would not be arguing with him about Dave Ramsey what you are going to do with your money. You’re a man. I don’t know if you just used the incorrect word there for how the discussion went down, but if not, I wanted to correct that as a boundary issue in your family. Keep up the good work, Ricky! —Dave Staying away from scams Dear Dave, I’ve always wanted to work from home. How can I separate the scams online and on television from the real jobs where I can make money? —Randy Dear Randy, The vast majority of things you see in late-night infomercials and online— except of course for legitimate job hunter sites—are scams. I’m talking about the business-in-a-box kind of stuff and everything else. And I know you’ve seen the postings online that go something like, “My sister-in-law makes $50 an hour from home, and you can, too!” These scammers are the worst of the worst. Don’t waste a second of your time on that garbage. My biggest worry is that you’re looking at your career the wrong way. Just making money shouldn’t be the measuring stick of success in your professional life. Whether you’re going to start a home business or work in an office for someone else, your work should engage you in doing something you know about and love. You spend too many hours of your life at work to be miserable in what you do. Shuffling day after day through a job you don’t like—even one with a big paycheck attached—is also a bad idea. Sooner or later the fact that you don’t like your work is going to catch up with you on the job and at home. Think of something you love to do, then get creative and find a way to make money at it. It may mean turning a hobby into a part-time gig nights and weekends for starters. Who knows, with a lot of hard work and a little creativity, you could be your own boss in no time! —Dave 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. There was Doc, just cruising around slowly on a warm Saturday, alone with his thoughts, which kinda centered around “I sure am lucky to live here.” Then he saw the carboard boxes with bricks on top to hold them down in the wind, and an arrow on the front. Saling! Yard saling! It’s that season again. And of course he had to stop. Especially if you hadn’t been yard saling in months. He wandered through mountains of magazines, crates of kitchen utensils, tons of tools and cartons of old clothes. Then he saw it. A red tie. He didn’t have a red tie. He didn’t wear a tie except to church and that was just because Mrs. Doc made him do it. But he didn’t have a red tie, and that fact alone made him feel … well … incomplete? I mean, what if one of the guys came over to the house and asked if he could borrow Doc’s red tie? Think about it. What would he say? “Well, sorry, Herb. I have never owned a red tie.” “You don’t mean it!” And Doc would be forced to nod sadly and suffer the pitying glances of a fellow human being. He bought the tie. Fifty cents. Spending that half dollar did several things for Doc that Saturday. It gave him a feeling of completeness. Now if someone came by to borrow … oh yes, he’s ready. And buying that tie also made him feel more … American. On warm weekends here in Home Country, we set out our cardboard boxes with the arrows on them and we haul all our detritus out onto the driveway and the lawn and we do our bit to make sure our fellow Americans are fulfilled in the red tie department. Of course, we watch, don’t we, as our friends and neighbors pick through things we’ve been storing since the Eisenhower Administration. And if any one of them should curl a lip in scorn at one of these treasures, we’ll consider scratching them off the birthday party list. Respect, after all, is the very backbone of democracy. 4-H Listening Sessions Throughout S.D. other youth-serving organization or serve as a leader of a fair - basically anyone who supports 4-H and has a vested interest in its future - we encourage you to attend a local listening session,” said Trautman. To attend a 4-H Listening Session near you: To help ensure adequate planning per site, if they are able, participants are asked to RSVP no later than 48 hours in advance of the site you wish to attend by registering at the iGrow Events Page. The listening sessions will be held: Pierre; April 4: 7- 9 p.m. CST; Ramkota Inn, Gallery B (920 W. Sioux Ave) Winner; April 5: 7- 9 p.m. CST; Holiday Inn Express (1360 E. Highway 44) Rapid City; April 6: 7- 9 p.m. MST; Comfort Inn (1333 N. Elk Vale Rd) Faith; April 7: 7- 9 p.m. MST; Community Legion Hall Sioux Falls; April 25th: 7:00 - 9:00 p.m. CST; School for the Deaf TBCC Room (2001 E. 8th St.) Huron; April 26: 7- 9 p.m. CST; Crossroads Hotel (100 4th St. SW) Aberdeen; April 27: 7- 9 p.m. CST; Dakota Event Center (720 LaMont St.) More information on 4-H Listening Sessions “As SDSU Extension delivers on its mission and moves toward intentional stewardship of the 4-H youth development program, this strategic plan will help achieve many benefits for the organization,” Trautman said. She outlines some benefits below: * Staying focused to maximize 4-H youth development outcomes over the next three to five years * Making best use of the organizations resources * Reinforcing decisions that are made using the lens of the strategic plan * Maximizing relationships and minimizing conflicts of the various stakeholders involved in the 4-H Program * Helping the organization be sustainable to be able to positively impact the lives of young people Spring is just around the corner! If it’s time to replace your worn and tattered American flag, please remember to dispose of it properly. We have a convenient drive-up drop box located at the front of our facility. We will dispose of them in a proper ceremony at a later date. Funeral Home & Crematory, Yankton Memorial Resource Center, Tyndall Memorial Chapels, Tabor, Menno & Tyndall 601 W. 21st St., Yankton 665-9679 • 1-800-495-9679 • www.opsahl-kostelfuneralhome.com ining D & n ter ta me in E Guiding and serving families with compassion and trust. The leadership for the strategic planning process has been provided by several individuals who represent constituent groups served by South Dakota 4-H. Members of the planning team include: Kim Kludt, Principal, Dell Rapids High School; Kristy Nelson, 4-H Parent, Volunteer - Sinai; Paula Linke, 4-H State Leaders Association representative Artesian; Amber Erickson, SDSU Extension - 4-H Advisor - Mitchell; Hannah Kilker, 4-H Member, Britton/Hecla; Ross Lothrop, 4-H Volunteer - Canton; Matt Odden, 4-H Parent, Volunteer - Rapid City and Peggy Besch, State Fair Manager, Huron. Leadership Tools from Northfield, Minn., has been hired to provide facilitative leadership to the strategic planning process. Donna Rae Scheffert, President, will be the facilitator of all seven statewide listening sessions. Donna Rae previously worked for the University of Minnesota Extension system and is familiar with the 4-H program. For more information, please contact SDSU Extension by calling 605.688.4792. niGrow nt BROOKINGS, S.D. - SDSU Extension invites 4-H youth and supporters to attend 4-H Listening Sessions, hosted throughout South Dakota beginning April 4, 2016. “To quote the 4-H motto, we are hosting these sessions, “to make the best better,’” said Karla Trautman, SDSU Extension Associate Director. “These April Listening Sessions will allow us to review where we have been, where we are and have an engaging discussion about what stakeholders’ want for the future of South Dakota 4-H youth development.” Information collected from the April Listening Sessions will be used in developing SDSU Extension’s 4-H Strategic Futures document. This 4-H Strategic Futures document is updated every 5 years and provides the priorities and vision SDSU Extension staff use to guide the development of 4-H programming. “If you are a 4-H member, parent, alumnus, volunteer or someone who serves on an SDSU Extension advisory group, county commissioners or you are involved in an- Open To The Public Don’t miss a day of planting.... Case IH offers a complete selection of product support kits for your Case IH planter. These kits include genuine Case IH components and hardware. Each is designed to save you time and money. Closing Disk Kit Part No. B95381 ? Kit includes: shoe, point, deflector and mounting hardware ? All genuine Case IH components ? Handy package for tool box or farm shop 800, 900, 955 Planters 1200 Planters Children 6-10 $4.00 • 5 & Under Free Part No. B94735 ? Application: 800, 900, 950, 955, 1200 planters ? Kit includes scraper blades and rivets ? Original equipment components ? 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