September 6, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Paying Cash Doesn’t Make It Smart By Dave Ramsey Dear Dave, What is your opinion on paying cash for a “tiny house”? —Wes Dear Wes, This may be a really un-hip or uncool thing to say, but I wouldn’t buy a tiny house at all. Paying cash for something like that might make the mover smarter, but that still doesn’t mean it’s a smart choice. Now, don’t take what I’m saying the wrong way. I don’t have a problem with people who build tiny houses or buy them. My problem with these things is that there’s no track record on them. There’s also a pretty good chance they’re going to be just a fad. Another problem is that you’d have a really small market when it comes time to sell your tiny house. In other words, they probably won’t go up in value like a traditional home. They may actually lose value over the years. There’s a thing in economics called the supply-demand curve, and from what I’ve seen tiny houses also have a tiny demand and pretty narrow market appeal. Their appeal seems to be mostly for early adopters and people who think they’ll never be able to afford a house. That means they’re not going to have broad appeal when you get ready to sell them, either. And that creates a problem. I could be wrong, though. I mean, if enough people buy tiny houses and they become a real part of our culture, then maybe they’ll do okay. But right now it’s an unproven product line and an unproven concept. Dave So I wouldn’t buy a tiny house. Honestly, I wouldn’t even buy one at half of its current value because I’d be afraid it would drop to a fourth of its value. There’s just no proven record at this point of these things going up in value. —Dave RAMSEY Did dad do her wrong? Dear Dave, My father loaned my husband and I money 20 years ago to help us start a business. The business eventually failed, and it forced us into bankruptcy. After this, we never seemed to get around to paying him back. He died earlier this year, and when we got together with my brother and sister for the reading of the will, we realized he had deducted the amount of the loan from my inheritance. Everything was equal between us before that. I think that’s wrong. What’s your opinion? —Karen It happened in the checkout lane down at the Soup ‘R’ Market last week. We discussed it thoroughly, of course, and no one knows yet what to make of it. As sometimes happens, when we are glancing at the tabloids to see who fathered Bigfoot’s new baby, we get into discussions of trivia. Annette was sliding broccoli and corn flakes over the glass-window dinger machine, and we were just chatDear Karen, I’m really sorry about your dad. I’m ting about … I think it was bears this time. You know… also sorry this was never taken care of “I read,” said Annette, “that a bear can run 45 miles an hour, or discussed while he was still alive. faster than a race horse.” There are a lot of emotions at play, To which I added, “Did you know a polar bear’s skin is black, so I don’t want to beat you up too and a black bear’s skin is white?” much. But legally, he didn’t have to “Really?” Annette said, weighing the plastic bag of apples. leave you anything in his estate. The “And did you know,” she said, “that horses can’t vomit?” stuff we’re talking about, money inHorses just hadn’t heard me sing yet, that’s all. cluded, was his to do with as he saw fit. So it was then that the next guy in line, a young fellow It was a little odd that he didn’t address this with you beforehand, but there are dressed in camouflage, smiled and joined in. lots of instances where kids get nothing “You know the song, ‘The Duke of Earl’?” he asked. from an estate or not as much as othWell, of course we did. We used to slide around the dance ers. It’s not uncommon. floor to that when Elvis was still a pup. Wasn’t as good for snugIn my mind, and, from the sound of gling as a Johnny Mathis tune, but what is? Half the marriages it, his too, he left you an equal share in this town began while dancing to “The Twelfth of Never.” minus what you still owed. He loaned “Well, here’s something to think about,” our young friend you the money, and he had the right to set terms on that. I understand your said. “If you are driving down the highway, and you tap your foot on the accelerator each time the car goes by one of those frustration. You feel like he took somebroken yellow lines, and if you do it in time to ‘The Duke of thing away that was yours. My point is Earl,’ you’re doing exactly 55 miles an hour.” it was never yours; it was his. I know it still hurts though. This “You’re kidding!” is one of the reasons I advise never “Nope. I’m a trucker, and I can tell you it’s a fact. Heard it on borrowing money from, or loaning it to, the radio and gave it a try. Fifty-five miles an hour.” relatives. The best of intentions can end Let’s see … Duke, duke, duke, duke of earl, duke, duke, duke up in places like this. of earl, duke… —Dave Might come in handy if the speedometer goes on the fritz. Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven 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. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Ribs, Rods & Rock n’ Roll Set To Cook In Vermillion Photojournalist To Speak At USD VERMILLION — Robert Cohen, a community photojournalist for the St. Louis Post-Dispatch, will speak on the University of South Dakota campus at 7 p.m., Thursday, Sept. 15, in recognition of the 100th anniversary of the Pulitzer Prize. He will speak in the Al Neuharth Media Center. Cohen was among the newspaper’s photographers who won the prestigious journalism award in 2015 in breaking news photography for coverage of the Ferguson, Missouri, protests sparked by the shooting death of Michael Cohen Brown. CELEBRATION ION EBRAT C EL Ladies DREW Shoe Clearance Boston Shoes to Boots 312 W. 3rd Yankton • 665-9092 GOOD CLEAN TRUCKS for Fall Clean Up 2012 2011 2009 2004 Chevy Chevy Chevy Chevy Silverado Silverado Silverado Silverado 4x4 .................. $14,700 Reg Cab .......... $12,500 4x4 W/T .......... $11,900 Ext Cab Loaded . $7,900 605-665-3720 • Yankton, SD MOODY Cohen was a 2009 Pulitzer finalist in breaking news reporting as part of a photo team covering a deadly mass shooting in Kirkwood, Missouri, and a 2010 finalist in feature photography for work on suburban homelessness. The USD Department of Media & Journalism and South Dakota Humanities Council are co-sponsoring Cohen’s speech, which is free and open to the public. He will also speak to students earlier that day. Cohen grew up in New Orleans and attended the University of Texas at Austin. He has also worked at The Times-Picayune VERMILLION — The Ribs, (New Orleans), Memphis Commercial Appeal, Sun-Tattler (Hol- Rods & Rock n’ Roll commitlywood, Florida) and Florida Times-Union. tee received an official document transcript from the Office of the Governor recently, signed by Gov. Dennis Daugaard and S.D. Secretary of State, Shantel Krebs declaring Sept. 9-10 “Ribs, Rods & Rock n’ Roll Days” in South Dakota. The executive proclamaHERMOSA — The South Dakota State Square, Folk, and tion acknowledges VermilRound Dance Association, is sponsoring the Fall State Square lion’s annual “Ribs, Rods & Dance Festival in Hermosa. The event will be held on Sept. 9-10 Rock n’ Roll” event for its and will be hosted by the Southern Hills Promenaders Square continuing contribution to bringing positive national recDance Club. The theme of the festival is “Fall into Hermosa.” The Fall Square Dance Festival activities will begin with a ognition to the state and VerTrail-In Dance Friday evening, Sept. 9, with Bob Riggs, Centen- million with its unique comnial, Colorado, calling and Allynn Riggs, Centennial, will be the bined experiences. The first component of round dance cuer. The dance begins at 8 p.m. All sessions will be held at the Hermosa School Gym at 11 4th Street in Hermosa. Ribs, Rods & Rock n’ Roll, On Saturday, Sept. 10, there will be a Plus Dance beginning is a sanctioned event of the at 9:30 a.m. with Bob Riggs calling. The Fall Festival begins at Kansas City Barbecue Society 1:20 p.m. The South Dakota Square Dance Association callers and draws participants from will do the calling for the afternoon. Elaine Peacock, Elk Point, all over the state of South Dawill be the afternoon Master of Ceremonies, and Don Schultz, kota, the nation, and Canada. Yankton, will be the round dance cuer. There will be business The Grand Prize winner will sessions before the 7:30 p.m. Grand March. Lurita Fugier, Her- take home a $2,000 prize and mosa, will be the evening Master of Ceremonies and the evening an invitation to compete at the Kansas City Royal BBQ round dance cuer. Contest and a chance to repThe public is invited to view any and all sessions. Fall Square Dance Festival In Hermosa 44th ANNUAL SOUTH DAKOTA FIDDLE FESTIVAL & CONTEST Sept. 9, 10 & 11, 2016 MOTOR NIOBRARA, NE FREE ADMISSION 4-H Grounds - Old Highway 50 • Yankton, SD (Across from the Senior Citizens Building) Patrick Hawk Schedule of Events 251 Spruce Ave • Box 260 Niobrara, NE 68760 Friday, September 9 Sunday, September 11 7:00pm...Jamboree 10:00am...Gospel Sing Saturday, September 10 PUBLIC EVENT 8:00am - Workshops ALL AGES WELCOME 1:00pm - Contest 7:00pm - Performance by the Winfield Grovers 8:00pm - Barn Dance www.moodymotor.com pjhawk@hotmail.com (402) 857-3711 (800) 745-5650 Fax (402) 857-3713 Hartington Tree LLC TREE TRIMMING, REMOVALS & TRANSPLANTING Camping - No hookups. Contact Information Phone: 605-661-9025 • www.fiddlersofsouthdakota.com fiddlersofsouthdakota@gmail.com Navigator Tours TREES FOR SALE EVERGREEN • SHADE • ORNAMENTAL Yankton 605-260-1490 Hartington 402-254-6710 Serving Southeast SD & Northeast NE for 20 Years Kent & Kyle Hochstein • Licensed Arborists www.hartingtontree.com Personal Injury Attorney Injured? • Auto Accidents • Work Injuries • Defective products or conditions • Uninsured motorists Delay can be a serious and expensive mistake! NOTE: The claims adjuster is not your advocate, YES, you do need a lawyer, NOW! Kit McCahren Toll Free 1-877-CALLKIT or 280-6913 (cell) Let’s Go to Deadwood! October 10-12, 2016 $179.00/person double, $239.00/person single Transportation, 2 nights lodging at Mineral Palace In downtown Deadwood, Wine & Cheese Reception, Hot Breakfast Buffett, $20 meal voucher, $10 slot play per day, Slot Tournament entry Pick up in Norfolk, Yankton, Tyndall, Mitchell Please call for reservations Navigator MotorCoaches • 1-800-634-8696 www.NavigatorBus.com 2 Big Days in Delmont, SD Historical Society of Delmont Kuchen Festival • Sept. 10 (Downtown Delmont) Twin Rivers Old Iron Harvest Festival • Sept. 10-11 (At the farm, ¼ mile West) • Parades • Tractor Pull • Quilts, Crafts and Art • Flea Market • Demonstrations & KUCHEN www.twinriversoldiron.org www.delmontsd.org resent South Dakota at the Jack Daniel’s World Championship Barbeque Cook-Off. The second component is the car show of more than 100 vintage automobiles which line the downtown streets of Vermillion for the public to see up close and personal. These classic automobiles range from the earliest cars from the Henry Ford era to the latest. Trophies are awarded for a variety of classes. The final component is Rock n’ Roll, which always provides the background throughout the event, ending each day’s competitions with live performances by invited rock bands who perform into the night. “This year’s Ribs, Rods & Rock n’ Roll has more than 30 competitors signed on to compete for the bragging rights of best BBQ and that $2,000 prize. It’s going to be our best year yet!” said Jenny French, Ribs Committee chair. Nate Welch, executive director of Vermillion Area Chamber & Development Co., added, “This event has continued to grow and get better every year, and Vermillion is especially proud to have the governor’s office recognize the contribution that Ribs, Rods & Rock n’ Roll has on bringing new faces to Vermillion and South Dakota.” Dining & Entertainment SCHIFERL’S WJ Ranch & Sponsors Present In Concert Suzy Bogguss Friday, September 9th, 8:00 p.m. Tickets: www.schiferlswjranch.com (402)357-2102 7 miles south of Yankton Ad Sponsored by Mark’s Machinery, Yankton ST. ROSE OF LIMA DINNER & BAZAAR Sunday, September 11 Dinner served 3-7:30 p.m. Roast beef, homemade sausage, sauerkraut, mashed potatoes, salad bar, pies and desserts. Kids’ outdoor/indoor games, bingo & raffle. Join us for Sunday Mass at 8:30 a.m. St. Rose of Lima Catholic Church Crofton, Nebraska www.StRoseStAndrew.com | 402-388-4814 Ad sponsored by Crofton Farm Supply