July 19, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says It’s For Everyone We all know that someone will find Jenkins’s cabin. Someday. Oh, it’s up there in those hills somewhere. We all know that. It’s become a friendly object of conjecture and speculaDear Dave, My husband and I have seven kids. tion. No one living has seen it, as far as we know. Jenkins himWhat parts of your program work best self died quietly when he was on one of his infrequent trips to for large families? town for supplies. Funny guy, that Jenkins. —Karen He worked in the city for years, mostly as a night watchman in a factory that made diapers. Didn’t really enjoy people Dear Karen, much, and told us many times how nice it was to just be in My entire plan works for a large the huge factory when it was quiet. Then one day he decided family. Larger families just have more Dave to move to the mountains and make pretty things out of expenses. What does change — and leather. Once in a while he’d have his coffee at the counter at you already knew this — is that it can the Mule Barn, but often as not, he’d camp out on the edge be a larger financial burden. This isn’t criticism; it’s just a mathematical fact. of town for the two or three days it took him to sell his crafts When you kick things into overdrive —Dave and buy supplies. He’d smile and wave from his campsite, like you folks have done, two things then he’d be gone one morning. We wouldn’t see him again have happened. One, you’ve extended for months. Commonsense calculation the time that you’re going to be supNow and then someone would ask him where his cabin Dear Dave, porting the kids financially. Two, you’ve was, and he’d just point toward the mountains and say, “Up I make $80,000 a year, and I was got a lot of baby birds to feed and there.” How far up there? “A ways.” What was his cabin like? wondering if there’s an easy way to clothe. Unless you have an astronomi“Not too big.” determine how much money a person cal income, it slows down the process would need to live comfortably after And so we came to regard the little cabin as an intriguing of hitting financial goals like getting out retirement. mystery, an object of local legend. After he died, several of of debt, because you’ve got a drain on Dave Ramsey is America’s trusted —John the math side of things. It’s a wonderful the fellows tried to backtrack him to find the place, but Jenvoice on money and business, and CEO drain; it’s a glorious drain; but mathof Ramsey Solutions. He has authored kins evidently didn’t take the same trail each time, as though Dear John, ematically speaking where the money is seven best-selling books. The Dave he wanted his quiet times protected from even a friendly visit A commonsense rule of thumb, if concerned, it’s still a drain. Ramsey Show is heard by more than 11 from one of us. During his lifetime, we respected his wishes. you’ve got your money invested in You really don’t have any choice million listeners each week on more than In this country, a man has a perfect right to be a little strange. good growth stock mutual funds, is to but to do a budget. Having seven kids 550 radio stations and digital outlets. And, truth be known, we hold a certain admiration for those pull from those funds at a rate that is doesn’t give you an excuse to live out Follow Dave on Twitter at @DaveRamsey of us who hear different instructions. But there is something lower than which they are growing. of control or mean that living out of and on the web at daveramsey.com. in the human spirit, also, that begs to have its mysteries Otherwise, you’ll destroy them, right? solved. So now, several times each year, one or two of us will use the mystery of the lost cabin as an excuse to poke our noses into the nuances and seclusions of these hills. We play off our curiosity against our wishes to respect a man’s Leverage New (StatePoint) For many building blocks needed for success rates and test scores privacy, even when he’s gone. We have yet to discover Jenkins’s lost cabin. Maybe we continued success.” Technologies by providing the advantages students, math is one of the never will. Maybe that wouldn’t be such a bad thing, either. of one-on-one instruction most challenging school subInvestigate new techMahoney offers parents from virtually any web-based jects to conquer. However, nologies and digital prodit doesn’t have to be. There the following tips to boost device. To learn more, visit ucts that are designed to students’ math skills: aleks.com. are many ways parents can help children learn and take an active role in their build confidence in their Assess Your Student children’s math success. Make Math Come Alive math abilities. For example, “Often students experiInquire about your child’s McGraw-Hill Education’s Make the subject more strengths and weaknesses as tablet-friendly program interesting by introducing ence a crisis of confidence well as their unique needs ALEKS provides a personalyour child to mathematical when it comes to math. ized and adaptive learning and preferences. Not all concepts outside the context If this persists, they may struggle with mastery of the children learn best using the experience for students of a traditional classroom BROOKINGS, S.D. - To celebrate 110 years of 4-H in based on their strengths and environment. Whether it’s a same methods, and what core principles required to Minnehaha County, the Minnehaha County 4-H Leader’s weaknesses. This groundworks for your child’s peers day spent at a children’s muprogress and grow,” says Dr. Association and Minnehaha County 4-H Promotion and may not necessarily work for breaking technology is based seum in the math-oriented Shawn Mahoney, chief acaExpansion Committee will be hosting a celebration and on a deep understanding your young scholar. exhibits or playing digital demic officer of McGraw-Hill program during the Sioux Empire Fair at the W.H. Lyon of how students learn and Education. “Many parents math games, there are plenty Fairground’s Expo Building on Sunday, August 7, 2016 at master new concepts. Talking to your child’s of opportunities to expand see the value in educational 2 p.m. teacher can help give a comthe notion of what math is technology and how it can The celebration will include a program with former The program uses plete picture of his or her for your child. help to both make math and current Minnehaha County 4-H members, recogniresearch-based adaptive fun for kids, as well as play progress to determine if any tion of Minnehaha County 4-H volunteers and donors and learning technology to deadditional help is needed. an important role in helpEducation is a passport a discussion of the future of Minnehaha County 4-H. termine precisely what each to a brighter tomorrow. ing them master the basic A cake and coffee social will follow the program. student knows, doesn’t know In the world of today and There will also be numerous historical pictures and and is most ready to learn tomorrow, the importance items on display. in a given course. ALEKS of numeracy -- the ability to All Styles Reduced The program is free to attend but there is a $7 fair interacts with students like a understand, work with, and entry fee. Several personal tutor, helping them communicate effectively For more information about the program or if you styles study more effectively and with numbers -- is essential. have any historical documents, pictures, or items that 1/2 price efficiently by delivering the It’s never too early or too you would like to donate for the display, please contact exact instruction they need late to take an active role the Minnehaha County 4-H office at 605.367.7877. when they need it. in getting your child on the niGrow 312 W. 3rd Yankton • 665-9092 path to math success. Call 665-5884 to www.missourivalleyshopper.com Programs like ALEKS are niGrow place your ad here. augmenting classroom learning and improving student I tell folks if they want to pull off six percent to eight percent — I’m comfortable doing eight percent — then you’ve got to decide exactly how much you want to live on and what that means for your nest egg. If you want to live on $80,000 a year, it means you have to have a $1 million nest egg. If you want to live on $40,000 a year, then you need a half-million dollar nest egg for what we’re talking about here. To get into that a little bit further, I would advise going to Chris Hogan’s website. He’s got a tool on there that takes just a few minutes, and it will give you exact numbers on what you need to do. It’s ChrisHogan360.com, and the tool is called the R:IQ — your Retire Inspired Quotient. You can walk through it, and in just a few minutes you’ll know exactly what’s going on and what needs to happen! —Dave control without a plan is the definition of success. You’ve got to set more emergency categories aside in your budget. You’ve got to budget heavier for food, medical, transportation and things like that, because you’ve got more things pulling at you — and your money! By Dave Ramsey RAMSEY Tips for Boosting Your Child’s Math Success Celebrating 110 Years of 4-H in Minnehaha County Sal Sale Sal e Boston Shoes to Boots e Interested in this spot? INTERESTED IN THIS SPOT? Call 665-5884 to place your ad here. le Sa www.missourivalleyshopper.com Dining Interested in this spot? www.missourivalleyshopper.com & Entertainment www.missourivalleyshopper.com Call 665-5884 to place your ad here. Mid-Summer Event “Under the Sea Adventure” Visit our Web site at VBS For All Ages www.missourivalleyshopper.com Interested in this spot? NEW Hustler Fastrack 23 H.P. 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