September, 13, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Private School Is Busting Savings By Dave Ramsey Dear Dave, Our three kids are enrolled in a private Christian school. It’s a great place, and we truly believe our kids are getting a wonderful, faith-based education, but the tuition is pretty expensive. We’ve already had to start digging into our savings to make this happen, and the kids are only in elementary school. Should we keep them enrolled, or should we transfer them to public school? —Maureen Dear Maureen, I understand wanting your kids to get the best education possible. Private schools can provide some advantages academically, while a good Christian school might offer spiritual advantages. But the bottom line is this: If you can’t cash flow it, you shouldn’t do it. All of my kids went to public schools, and they are good, moral people and strong Christians. In the process, they learned how to interact with people of all faiths, no faith and how to display their faith and beliefs adequately in their personal lives and in the marketplace. The truth is, you’ll find great things Dave RAMSEY and bad things in any school, private or public, Christian or not. And no matter where your kids go to school, as parents, you still have to teach them about the world — the good and the bad, the right and the wrong. Life can’t be lived inside a protective bubble. —Dave What’s the deal with deferred comp? Dear Dave, I work for a fire department in Mississippi, and I’ve been trying to get information on the state’s deferred comp plan. No one here seems to know a lot about it, so I was wondering if I should keep looking for information or is it not worth the bother? —Brandon Brandon, Deferred comp simply means you are electing to defer and receive a Hoile Painting At Hartington Gallery HARTINGTON, Neb. — The Arlo and Anne Wirth Gallery, upper level of the Hartington Public Library, will exhibit the paintings of Bill Hoile, Norfolk, Nebraska, during the months of September and October. Hoile was born and raised in Nebraska and studied commercial art at the Omaha Art Institute. This explains why his favorite subjects are Nebraska landscapes, farm settings, and wildlife. His interest in fine art developed during his college years. Art history became a favorite subject and in the late 1960s he began to paint in earnest. While he has experience in oil and watercolor, his favorite medium is acrylic for its versatility and vivid colors. Bill has won many awards with his paintings including the Nebraska Habitat Stamp award. He has taught art classes for the Lifelong Learning Center and continues to judge art exhibits for local schools. Stop by and view his artwork during regular library hours: 9 a.m.-7 p.m. Mondays-Thursdays; 9 a.m.-5 p.m. Fridays; and 10 a.m.-4 p.m. Saturdays. portion of your compensation at a later time or date. People who use these types of plans have a portion of their compensation withheld and directed into an investment of some kind instead, and you aren’t taxed on it immediately. It’s sort of like a pre-tax investment, but it’s not transferrable to an IRA or 401(k). I would only do deferred compensation after I’ve done everything else in terms of saving 15 percent of my income for retirement, including a Roth IRA. These are funded by aftertax dollars, but they grow tax-free. But I wouldn’t do any of this until after I had paid off all my debt, except for my home, and had an emergency fund of three to six months of expenses in place. Good question, Brandon! —Dave 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. When old Jasper Blankenship came to town from the diggings recently, we asked him over for a few days. He saw us working the home computer and asked about it, but he really seemed to be immune to its wonders. But then my wife showed him how he could call up a certain program, tell it where he wanted to go, and have it zoom in from outer space to some tiny corner of the world. Well look out now, boys and girls; we have created a monster! Ol’ Jasper went from being shocked to being a semi-almostdarn-near technogeezer in about half an hour. For the next three days, we had to wait until the old boy went to sleep before we could check our email. He was on that machine constantly. But his new ability to eavesdrop on any place on earth at least led to some wonderful stories. “Come here and look at this,” he’d say. We did. “You see that tree right there? I killed a huge buck under that tree.” “See this? No … this little cabin over here on the left. That’s where old Leroy What’s-his-name lived back when I was a kid. He’s the one showed me how to pan for gold. Right there in the creek. No … down a little ways farther, not that close to the cabin. Let me move it a bit … yeah, right there. See that big hole in the creek? Right there. Got a little bit of color, too. Not much, but if you’re a kid and find any gold at all, it’s a wonderful thing, you know?” www.missourivalleyshopper.com So for three days we took a tour of Jasper’s past. Canyons and creeks and small towns and even the homes where certain special young ladies had lived more than half a century earlier. www.missourivalleyshopper.com It was a fascinating blend of history and technology. www.miss Calling All South DakotaVisit our Web site at Horse Owners www.missourivalleyshopper.com Visi www.miss BROOKINGS, S.D. - South Dakota State University and SDSU Extension ask all South Dakota horse owners to set aside a few minutes to fill out the online Equine Nutrition Survey before Oct. 31, 2016. “This survey is designed to provide information to horse owners as well as SDSU Extension and the Department of Animal Science staff,” explained Heidi Carroll, SDSU Extension Livestock Stewardship Associate. Carroll encourages all horse owners from South Dakota and neighboring states, 18 years and older, who own at least one horse to fill out the survey. A unique feature to this survey is that once horse owners complete it, they are provided with the answers to the knowledge based questions about equine nutrition and health. The survey tests owners’ knowledge and gives a quick learning experience while collecting valuable information about horse care. “At the same time, it gives us a clear understanding of what South Dakota horse owners’ are feeding, what the strengths and weaknesses are regarding knowledge of equine nutrition and how in this area feed their horses. current feeding practices in This information will help this region compare to previ- us gauge equine owners and ously reported information managers understanding of from other regions,” Carroll equine nutrition,” Mastellar said. said. The survey is part of an Rosenthal is a senior Animal Animal Science undergradu- Science major from San Diate research project con- ego, Calif. Actively involved ducted by Emily Rosenthal. on campus, she is a member www.missourivalleyshopper.com Rosenthal is advised by Sara of the SDSU Swim and Dive Mastellar, Equine Instructor, team and President of Alpha South Dakota State Univer- Zeta Honors Fraternity. She sity, and works closely with is also the proud owner of www.missourivalleyshopper.com Carroll whom serves as proj- two horses which she boards ect co-leader. in Brookings. “The information will be Following graduation, used to create a data-driven Rosenthal plans to pursue picture of how horse owners a Master’s in Ruminant Nutrition. She says this undergraduate research project is providing her with needed research experience. Visit our Web site at broadened “This survey has my knowledge in scientific www.missourivalleyshopper.com writing and taught me how to work and ask questions in a research-based setting. It’s also taught me that I can have a positive impact on the equine industry by creating a nutritional standard,” Rosenthal said. To fill out the online Equine Nutrition Survey visit the Question Pro site here. For a paper copy of the survey, contact Dr. Mastellar by email or 605.688.5434. Visit our Web site at www.missourivalleyshopper.com www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com Feet Hurt? ION EBRAT C EL Come to the home of Happy Feet Largest selection of arch supports and gel insoles. Experienced fitter - walk test ‘em before you buy. Boston Shoes to Boots 312 W. 3rd Yankton • 665-9092 H & H Roofing FREE Inspections/Estimates We Install/Repair Roofs of all kinds GAF MasterElite Contractor Licensed/Bonded/Insured Justus 605-857-1472 RTEC Slates Fall Courses! IHC Tractors IHC Cars and IHC Engines! From Posts to Pumpkins “Just for Fun” Class: September 24 & 25, 2016 Pioneer Acres, Menno SD The good-old-days are in Menno! Join us for our 30th Annual Show! Something for Everyone! Tractors and Engines Farm Emporium Ladies Building Petting Zoo Steam Threshing Jail * Corn Shelling Russian Oven Children’s Pedal Pull Crafts & Flea Market Toy Show * Hay Press Baling/Bale Throwing License Plate Display GREAT FOOD Historic Buildings Blacksmith Shop Parade * Saw Mill Tractor Pull/Mini Rods Rope Making Car Show/Nail Driving And More... Bring the Family! Wholesome Family Fun! www.miss www.missourivalleyshopper.com Dining & Entertainment 2016 Special Feature: www.miss You’ll enjoy a few hours of pure crafting fun in this class at RTEC from 5:30 7:30 p.m. on Monday, Sept. 19, 2016. Instructor MaryBeth Herrboldt will demonstrate valuable painting and finishing techniques so you can turn pieces of posts into charming block pumpkins. All materials supplied! Cost is $21.30 including tax. Fall into Burlap “Just for Fun” Class: Add a little bit of rustic charm to a door in your home, your classroom, a dorm room or a friend or relative’s apartment in RTEC’s Fall into Burlap class being offered from 5:30 - 8:30 p.m. on Monday, Sept. 26, 2016. Instructor MaryBeth Herrboldt will show you tips for working with burlap as you craft a doorhanger perfect for fall, harvest or even Halloween! See flyer for materials list. Cost is $26.50 (includes tax). Class A CDL Truck Driving Training: Take advantage of Northeast Community College’s truck driving training program while it’s offered in Yankton and earn your Class A CDL. The classroom portion of the course will be held at RTEC from 8 a.m. - 5 p.m. on Sept. 29 & 30, 2016. Driving portion of the course will be held during the week of Oct. 24-28, 2016, in Norfolk, NE. Cost is $995 plus tax. Class size limited to three! Microsoft Word 2010 - Levels I & II: If you want to learn Microsoft Word basics or you’re ready to tackle more challenging aspects of this word processing program, you’ll want to enroll in RTEC’s new computer offerings. Levels feature daytime hours (9 a.m. - 4 p.m.) and are offered one week apart. Level I - Wednesday, Oct. 5, 2016. Level II - Wednesday, Oct. 12, 2016. Cost per level is $95 plus tax. Microsoft Excel 2010 - Levels I, II & III: If you are new to Excel or someone who utilizes some of Excel’s applications but wants to learn more, you’ll want to register for RTEC’s new computer class offering. Class levels feature daytime hours (9 a.m. - 4 p.m.) and are offered one week apart. Level I - Tuesday, Oct. 4, 2016. Level II - Tuesday, Oct. 11, 2016. Level III - Tuesday, Oct. 18, 2016. Cost per level is $95 plus tax. Full course descriptions can be found on Facebook and on the web! 1200 W. 21st St. Yankton, SD 57078 Phone: (605) 668-5700 Email: contactrtec@gmail.com www.rtecedu.org Like RTEC, Inc. on Facebook! Visi www.miss www.miss www.miss www.miss Visi www.miss Visi www.miss