October 18, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Where Should Retirement Go? Dear Dave, Dear Dave, In your opinion, what is the limit you can responsibly spend for My mom is 95 years old, and she’s in a wedding if the people involved have debt? Dewey Decker showed his new business cards to the other amazing health. Financially speaking, Paul guys at the Mule Barn Truck Stop’s philosophy counter, and each she has about $150,000 in Certificates member of the world dilemma think tank got to keep one. of Deposit, money market accounts, Steve, our owlish-appearing cowboy, scratched his head as he and savings bonds. Is there a better Dear Paul, studied the card. place she can invest her money? The cost of the average wedding in America rose to $32,641 last “Okay, Dewey, I’ll bite … what’s a verm-a- ….? Anonymous year. But when it comes to what you can reasonably afford, I think “Vermiculturist, Steve,” Dewey said, proudly. “It means I raise it becomes relative to exactly how much debt you have and what worms.” kind of income we’re talking about. Dewey, the beloved accident-prone member of the think tank, If you have $5,000 in debt but you make $150,000 a year, stop began his new career with just a shovel and his pickup, spreading Dear Anonymous, worrying, pay off your debt, and save up for a great wedding. If manure in people’s yards. Now, thanks in great part to the genius ICertainly there are other invest- you make $28,000 a year but you have $30,000 in debt, then you of his girlfriend, Emily Stickles, (she of the magnificent cheekment vehicles that will make much need to have a really minimal wedding. Anywhere from $3,000 to Dave bones) he was earning a decent living. Back when they fell (litermore money than CDs, money markets and $5,000 would be reasonable in that kind of situation — and even ally … he tripped) in love, she took this crash-and-burn disaster savings bonds. However, at your mom’s then it’s going to be tight. and molded him into a multi-dimensional businessman, while still age people aren’t generally investing for The more debt you have in relation to your income, the smaller keeping him away from sharp objects or things that crush. the long haul, unless they’re investing it for your wedding expenses should be. A $32,000 wedding would be Dewey has branched out now into compost, worms (excuse their heirs. ridiculous for someone with a $28,000 income. But $28,000 is a If she’s comfortable with her finances, I’d suggest just leaving below-average income, so you shouldn’t reasonably expect an avme … vermiculture) and fertilizer tea. The tea goes on the lawn, things alone. Don’t try to force her into something new. At her erage wedding in terms of cost. It really all boils down to ratios. not in the tea cups. Just remember, Paul, the amount of money spent on the cere“Dewey,” said Doc, “this vermiculture stuff now … how much age she may still have bad memories of the Great Depression and a negative perception of the stock market. In a case like that, mu- mony, reception and all that stuff isn’t what’s important. It’s the work is it, really?” “That’s the good part about it, Doc. You see, I don’t have to do tual funds might make her fearful. I wouldn’t take the chance of love that two people have for each other that makes the ceremony robbing a 95-year-old lady of her peace to try and do the “proper” special and the marriage one that will last a lifetime! anything at all, really, except keep them in … product, you know. thing with money. — Dave They reproduce without any outside help, and turn manure into However, if she’s agreeable to the idea of doing a little better with the best compost in the world. Then you can sell them to other her money, you could start by moving a little into growth stock or people to work their compost piles, or to fishermen.” balanced stock mutual funds. But do something like this only if * Dave Ramsey is America’s trusted voice on money and busi“Well, Dewey,” said Herb, “it looks to me like simply being a the change won’t upset her and leave her fretting over her money. ness, and CEO of Ramsey Solutions. He has authored seven bestvermiculturist doesn’t really cover the subject. Wouldn’t those red What we want for your mom is financial peace. selling books, including The Total Money Makeover. The Dave wigglers also make you a compostocologist?” — Dave Ramsey Show is heard by more than 12 million listeners each “Hadn’t really thought about …” Dewey said. week on 575 radio stations and multiple digital platforms. Follow “And when it comes to selling them to fishermen,” Doc said, Dave on Twitter at @DaveRamsey and on the web at daveram“wouldn’t you be an ichthymasticatiousdietician?” sey.com. “I … I …” “Yes, Dewey?” “I refuse to be anything I can’t spell.” RAMSEY How Much is Too Much for a Wedding? Prepare For Pheasant Season 2016 ease Control and Prevention), adults need at Fall has arrived. As the days get shorter least 2 hours and 30 minutes (150 minutes) of and cooler, and the grass continues to dry out, moderate-intensity, aerobic activity (i.e., brisk roosters are on the mind of many South Dakowalking) every week. tans and visitors. Ann Schwader, SDSU Extension Nutrition "Hunting provides physical activity, emotionField Specialist explained that muscle-strengthal and social benefits and a nutritious, low-fat ening activities are recommended on two or protein," explains Jimmy Doyle, SDSU Extension more days a week that work on all major muscle Natural Resource Management Field Specialist. groups (legs, hips, back, chest, shoulders and "To make the most of the 2016 hunting season, arms.) it's important that hunters are prepared." "Keeping your energy level high is key for Below, Doyle provides a checklist of simple steps to make hunting season safer, more enjoy- the hunt. Consider packing healthy food options as part of the preparation process," Schwader able and more successful. 1.Clean and maintain your firearms to ensure said. Schwader lists some energy boosting tips proper performance. below. 2.Spend some time at the range to practice Energy-Boosting Tips your shooting and re-familiarize yourself with 1.Pack plenty of water. It's essential to stay your firearms. hydrated before going hunting, during and after. 3.If you are bringing kids along, make sure Try to avoid sugary beverages. they are versed in gun handling and safety 2.Keep raw foods separated from cooked practices. foods by packing them in waterproof bags 4.Prepare your gear ahead of time to ensure or containers and keep them in an insulated that nothing will be forgotten. cooler. 5.Ensure everyone has appropriate licenses 3.Pack nutrient dense snacks that are easy and hunter education certificates, available to carry. Examples include: Energy bars, trail from South Dakota Department of Game, Fish & mix, nuts, seeds, dried fruits or vegetables, nutParks. "One aspect of hunt preparation that is often based bars, chews or gels. 4.Take a peanut butter and jelly whole wheat overlooked is physical fitness and nutrition," Call sandwich. Whole grains here. Doyle added. "For many outdoorsmen and665-5884 to place your admake you feel satisfied for a longer period of time. women, fall is their most active time of year. 5.Avoid candy bars and cookies. These foods Participating in a workout routine ahead of the contain a lot of sugar, which provide an initial season can ensure your body is in shape for the lift of energy, but after a while as it wears off, field." Call 665-5884 to leaving individuals feeling tired. He warned hunters not to let an overambi6.Instead of traditional jerky, consider packtious day of hunting take them out of the game place your ad here. ing venison jerky. It's a healthier option. It's for the rest of the week. According to the CDC (Centers for Disleaner, but still high in sodium. Interested in this spot? INTERESTED IN THIS SPOT? www.missourivalleyshopper.com Interested in this spot? www.missourivalleyshopper.com Entertainment If you read this you know... advertising www.missourivalleyshopper.com pays! Call 665-5884 to place your ad here. Holiday Fair Call the Missouri Valley Shopper at 665-5884 or stop by to place your ad today! 319 Walnut St. • Yankton Find handmade items at our annual Holiday Fair. Browse a variety of items made and created by the sisters of Sacred Heart Monastery, including towels, wall hangings, cards, blankets, Christmas items, stained glass, jewelry and more.You can pick up a selection of homemade jams and jellies. MV Shopper MV Shopper October 22nd, 2016 • 9:30 a.m.-11:30 Visit a.m. Interested in our Web site at Sacred Heart Monastery this spot? www.missourivalleyshopper.com 1005 W. 8th St., Yankton, SD • (605) 668-6000 M I S S O U R I VA L L E Y Call 665-5884 to place your ad here. This Year No Bread Sold By Daris Howard A Bear Scare Rick and his family planned one last campout before winter. It was still warm, but the crisp evening air warned that winter storms weren’t far away. So they hitched up their camper and drove to the woods, enjoying the fall colors. They checked into the campground and set up camp. They ate a delicious meal, and then Rick went to visit his neighbors. He liked to meet people from other places, and a campground usually included travelers from many locations. All the other campers were pleasant except for one couple that made it clear that they were not interested in visiting with Rick. The wife was especially terse and let him know that she wanted him to leave. Rick returned to his camp, and he and his family sat around the campfire watching the flame flicker as they visited and told stories. They ate some last-of-the-season watermelon and even had a seed spitting contest. Before it got dark, Rick led all of his children to the outhouse so they wouldn’t have to make the trip later. As he sat down to use the facilities, he noticed a sign that was posted on the bathroom door so it was impossible to miss when a person was conveniently a captive audience. “You are in bear country. Make sure when you go into the woods that you make plenty of noise. Also, if you are moving around the campsite at night, especially coming to or from the outhouse, make lots of noise so as not to surprise any bears.” Rick thought that was an interesting sign. But he had been camping a lot, and he knew that a person didn’t want to sneak up on a bear. Surprised bears are not friendly bears. Before they retired to bed, Rick’s family looked at the beautiful, clear sky. Rick pointed out some of the constellations to his children. They all knew how to find the big dipper and follow the handle to the north star. It appeared close and was easy to recognize. They had a final bedtime snack of milk and cookies and then everyone was tucked into bed. Rick didn’t know how long he slept, but he was suddenly very uncomfortable. He quickly realized that he had eaten far too much watermelon in order to win the seed spitting contest. He didn’t relish the thought of getting out of his nice, warm bed and traipsing out into the cool fall air, but he knew he would have to sooner or later, and he wouldn’t sleep until he did. He slipped his feet out of bed and slid them into his sandals. He pulled on a robe, grabbed a flashlight, and quietly left the trailer. He shivered as he made his way to the bathroom, not even thinking about the bear warning sign. But once he sat down, there it was, big and bold. He smiled to himself. He was not about to wake the whole camp making noise. He would just have to flash the light around. That should be sufficient to scare any bear. www.missourivalleyshopper.com He finished and stepped outside, only to hear a sound some distance away. He instantly thought “bear,” but then he laughed to himself. Obviously, bears don’t bang spoons against pans. He could see a light coming toward him from the campsite of the unfriendly people. He left his own light off and watched as the other light grew closer. The person had a flashlight and Visit one hand at a spoon in our Web site and a pan in the other and was banging the spoon against the pan loud enough to wake the entire camp. www.missourivalleyshopper.com Rick moved into some bushes near the outhouse and watched. He knew what he wanted to do, but should he? Could he ever forgive himself if he did? Would he always regret it if he didn’t? As the person came closer, he could hear a woman’s voice shivering, likely more from fear than from cold. “Go away, bear. I’m here and don’t want to surprise you, so go away.” Rick knew he would never forgive himself, but he just couldn’t pass up this opportunity. Just Visit our as the lady was right across from him, he let out the deepest, loudest roar he could. The lady let Webdropped the pan, and ran a record forty yard dash back to her trailer. She banged out a scream, site at www.missourivalleyshopper.com on the door with one hand as she faltered to open it with the other. The next morning Rick smiled innocently when the ranger came around to warn everyone about a reported bear encounter the night before. Rick then held out the pan. “While you’re at it,” he said, “you might ask if anyone lost this last night.” Visit our Web site at www.missourivalleyshopper.com M I S S O U R I VA L L E Y Entertainment by Mirabile & MMC Chamber Choir OPEN IT 605-665-5882 FAX 11 AM - 10PM Brian & Jean DeGroot, Owners Missouri Valley 6 OFF 802 Broadway • Yankton, SD (605) 665-1596 605.665.5884 GAS SAVER 2005 Chevy Silverado C1500 216 W. 4th St. • YANKTON,SD www.bridgecityautoyankton.com 605-665-5884 Family Meal Interested in this spot? 8 Pc. Chicken, 2 Lg. Sides, 4 Biscuits Call 665-5884 to place your ad here. INTERESTED IN THIS SPOT? CALL 665-5884 TO PLACE YOUR AD HERE. 2504 Fox Run Pkwy. Yankton, SD CLASSIFIEDS IN PRINT & ONLINE To place your ad call... COUPON - Offer expires TODAY? NO PROBLEM! YOU NEED IT 10/31/16 Shopper $ 00 MV Shopper M I S S O U R I VA L L E Y www.missourivalleyshopper.com FEATURED VEHICLE 2005 Nissan Altima 4Dr., gray, 130,000 miles Was $5,595 NOW $4,900 Quality Used Vehicles 2009 Volkswagen Jetta, Diesel, 4Dr., gray, 151,000 miles .........$7,995 2007 Saturn Vue, 4Dr., white, 112,000 miles ...........................$6,595 2007 Chrysler Town & Country Van, gold, 159,000 miles .........$5,595 2007 Chevy Uplander Van, maroon, 140,000 miles ..................$4,995 2007 Chevy Monte Carlo, 2Dr., silver, 117,000 miles ...............$6,595 2006 Ford Escape 4x4, maroon, 143,000 miles .......................$5,995 2005 Toyota Corolla, 4Dr., Brown, 150,000 miles .....................$5,595 2005 Nissan Altima, 4Dr., gray, 130,000 miles .........................$4,900 2005 Chevy Equinox, 4Dr., maroon, 116,000............................$6,995 2004 Chevy Cavalier, 4Dr., silver, 146,000 miles ......................$3,595 2004 Saturn Ion, 4Dr., white, 150,000 miles ............................$4,295 2003 Honda Odyssey Van, maroon, 199,000 miles...................$3,795 2003 Dodge Caravan, silver, 156,000 miles, 1 owner ................$3,995 1999 Ford Explorer 4x4, Tan, 144,000 miles.............................$4,295 1999 GMC Jimmy 4x4, red, 167,000 miles ...............................$3,995 1998 Chevy Blazer 4x4, brown, 123,000 miles .........................$2,995 1997 Buick Skylark, 4Dr., tan, 142,000 miles ..........................$2,995 1996 Ford Crown Victoria, 4Dr., Silver, 115,000 miles ..............$4,995 Special Interest 2011 Yamaha 550 cc, 4 wheeler, green, 2,100 miles .................$4,995 2006 Suzuki Burgman 650 Scooter, gray, 3,200 miles ..............$3,295 2005 Forest River Cargo Trailer .................................................$2,995 2005 Yamaha Majesty 400 Scooter, black 7,900 miles ............$2,995 2003 Suzuki Burgman 650 Scooter, Gray, 10,000 miles ...........$2,595 2005 Yamaha Majesty 400 Scooter, black 7,900 miles ............$2,995 1995 Southwind Motor Home, 30 ft., 105,000 miles ................$15,000 1990 Honda 1500cc Trike, Blue ................................................$10,595 1989 Pontiac Firebird GTA, red, 62,000 miles ...........................$15,000 1986 Chevy Camper Van, Tan, 82,000 miles ..............................$8,595 1985 Ford Wrecker, 4x4, red, 67,000 miles ...............................$4,500 1976 Cadillac Eldorado Convertible, 2Dr., white, 67,000 miles .$5,500 4.3L, V6, 5 spd., AC, custom wheels and more Call Tony Now!!! 665-3720 $3,300 605-665-3720 • Yankton, SD MOODY MOTOR NIOBRARA, NE Patrick Hawk 251 Spruce Ave • Box 260 Niobrara, NE 68760 www.moodymotor.com pjhawk@hotmail.com (402) 857-3711 (800) 745-5650 Fax (402) 857-3713 Hartington Tree LLC TREE TRIMMING, REMOVALS & TRANSPLANTING 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