August 29, 2017 • Page 2 shop online at www.missourivalleyshopper.com Friends and Paying it Forward Dave Says By Daris Howard You Need a Better Plan Dear Dave, My husband opened his own commercial painting business in May. He knows he will have about three months in the year where he’s making little to no income. We’ve gotten $1,000 set aside for our Baby Step 1 beginner’s emergency fund, but because of that down period he would like to skip paying off all our debt except for the house, which is Baby Step 2, and move to Baby Step 3 and put an emergency fund aside. I can understand his thinking, but I wanted your thoughts on the idea. Melody You Still Need One Dear Dave, I’m debt-free except for my home, and I’m about to start Baby Step 3 of your plan. I will be will back on active duty in the Navy soon, and they provide certain types of relief funds for its members depending on where you’re based and other factors. With this in mind, how should I approach Baby Step 3? Brad Dear Brad, For Baby Step 3, I tell folks to have three to six months of expenses set aside in an emergency fund. You have incredibly stable employment, so you would probably be okay on the three-month side of that equation. And you wouldn’t need quite as much emerDave gency fund money as if you were a straight commission salesman. However, my guess is you’ll still have emergencies that will be your responsibility to cover. Everyone needs an emergency fund, Dear Melody, Brad. But in your situation, you’ll probably be okay with one that’s Baby Step 3 is not a fill-in-the-gap measure closer to three months of expenses rather than six months of exfor income you already know won’t be there. Baby Step 3 is an penses. emergency fund of three to six months of expenses, and the sce- Thank you for your service to our country! nario he’s talking about is not an emergency. He knows it’s coming, so it is not an emergency. — Dave I think he needs to re-work his business model. This guy needs something to do during those three months, so he doesn’t drop off to no income. Also, if you’re going to set some money aside for a down time, that would not be Baby Step 3. It would be a line in * Dave Ramsey is America’s trusted voice on money and busithe budget where you’re setting some money aside, because you ness, and CEO of Ramsey Solutions. He has authored seven bestselling books, including The Total Money Makeover. The Dave know a problem’s coming. If something happens around the same time every year it be- Ramsey Show is heard by more than 12 million listeners each comes predicable, and it’s not an emergency. So, it’s not really a week on 575 radio stations and multiple digital platforms. Follow matter of the order of the Baby Steps. You budget for this down Dave on Twitter at @DaveRamsey and on the web at daveramtime, or even smarter, figure out a plan for his time during these sey.com. months, based on his skill set, that will earn some money! — Dave RAMSEY Ways To Save Money At The State Fair It was Thursday again. Mabel Adams asked at the desk to be sure. “Thursday all day, Mabel,” the girl said. “Don’t forget to get your hair done today. Two o’clock … right?” “Right,” Mabel said, locking the time away in her mind. “Two o’clock. On Thursday.” She took her purple walker and went half a block to the counter at the drug store. That nice Williams girl came over with a smile and a menu. “Tuna on toast, Mrs. Adams?” “Uh, sure. I like that.” “Hot tea?” “Yes please.” After she ate, she started down the sidewalk toward the Curl Up ‘N Dye beauty parlor. The watch pinned on her dress said one forty-five. Mabel went over to her usual chair and sat down. Fran came over and looked at Mabel’s hair with a smile. “You still look pretty ravishing, Mabel,” she said. “Sure you want a touch-up today?” Mabel nodded. “Going to watch that movie with the girls tonight?” Movie. Tonight. “Sure,” said Mabel. It’s nice to live in a small town, because if you don’t know what you are doing, someone else does. MV Shopper M I S S O U R I VA L L E Y CLASSIFIEDS IN PRINT & ONLINE To place your ad call... 605.665.5884 HURON, S.D.- The South Dakota State Fair offers several ways to save money during the fair. Save on gate admission by purchasing your grandstand tickets on or before Wednesday, Aug. 30. Tickets purchased by then include gate admission. Grandstand tickets can be purchased by calling (866) 605-3247, online at www.sdstatefair.com or at the grandstand ticket office. On Thursday, Aug. 31, all veterans and active military members receive free gate admission. 4-H youth also receive free gate admission by showing their 4-H card. 4-H cards can be obtained from county 4-H offices. Coupons for $1 off gate admission on Friday, Sept., 1 are available at Prostrollo Motors on east Highway 14 in Huron. The Prostrollo’s Rockin’ Rollback coupons are valid on Friday, Sept. 1, only. Monday, Sept. 4, is Pay it Forward Day. The fair is teaming up with businesses and organizations that are generously sponsoring gate admission passes for those in need. Passes will also be randomly handed out at the gate entrances. Fairgoers can pay it forward to the food pantry by bringing a non-perishable food item for the ‘Drive to End Hunger” between the hours of 7 a.m. and 10 a.m. and receive $2 off gate admission. There are also plenty of ways to save money at the carnival throughout the week. All rides on Wednesday, Aug. 30, are only a dollar. The Weekly Passport to Fun pass offers a carnival ride pass for all five days of the fair. Advanced passes can be purchased at Prostrollo Motors through Sept. 2 for $52. Additionally, Big Jim 93.3, Iverson's and Make It Mine Design/Dakota Detail in Huron are offering a $3 off coupon for weekday ride wristbands. Coupons can be picked up at Iverson's and Make It Mine Design/Dakota Detail in Huron through Saturday, Sept. 2. They will be available at the Iverson's State Fair location Sunday, Sept. 3, and Monday, Sept. 4. The 2017 South Dakota State Fair will run from Thursday, Aug. 31, through Monday, Sept. 4. Channel Seeds preview night will be Wednesday, Aug. 30. This year’s theme is “Seriously Twisted Fun.” For more information on State Fair events, contact the Fair office at 800-529-0900, visit www.sdstatefair.com or find them on Facebook or Twitter. We live in the region of the path of totality for the solar eclipse. Everyone in the area talked much of the year about ideas of how to use it to make money. We thought about it as well. We desperately need a new harp for our daughter since the one we have is starting to crack. A new harp is tens of thousands of dollars. We have a nice property with a pond, pedal boat, canoes, and other fun things. We considered opening up our land for camping to earn some money to put toward the harp. But as time went on, my feelings began to change. I didn’t have a problem with having people on our land, but it was the concern I felt as I watched what was happening in our valley. Some hotels were raising the prices as high as ten times the normal rate. Many people who opened their land for parking and camping were also charging astronomical prices. A friend said he decided to rent the bedrooms in his house and wanted to be reasonable. But the price he charged was far beyond anything I could afford. As I started seeing lots of “Do Not Enter” signs and “No Trespassing” signs along the roads, I began to wonder how I would feel if I was someone from a long distance away who wanted to come see the eclipse and didn’t have much money to spend. How welcome would I feel? I also thought of the times we have gone somewhere, and someone graciously invited us to camp on their property or shared what they had with us. I decided it was time to pay it forward. I talked to my family, and we all came to the agreement that this is what we wanted to do. We started posting out to our Facebook groups inviting people to come for free. We even invited people we didn’t know to come if someone we knew and trusted would recommend them. We also started trying to think of other ways we could make their stay nice without spending too much of our own money. I decided that for not too much I could make Dutch oven potatoes and scones with honey butter the night before the eclipse, along with pancakes and eggs for breakfast the next morning. All of our available spots were filling quickly, mostly with people who could not afford to come if they had to pay rent. And though we were nervous, having never done anything like this before, we were growing more and more excited to see former friends and meet new people. I started preparing the food early in the afternoon, and not long after the guests started arriving, it was ready. Everyone brought potluck dishes, and we added Dutch oven chicken. While I cooked, my wife and daughters helped or were friendly hostesses. We all had a wonderful time, and every guest felt to us like friends we had known all of our lives. We all visited until well after the stars had come out. There was only one bathroom, and as everyone was preparing for bed, the line was long, but all were patient. The next morning, I was up early cooking pancakes, eggs, and hash browns. We had milk and water, and others shared juice, fruit, and cereal. There was plenty. Both children and adults canoed and swam in the pond, and our kittens were a major attraction. As the time for the eclipse came, the kittens were put back into their home and were soon one big, sleepy pile. Everyone settled into chairs or lay on the lawn to watch. The excited squeal of the children when the eclipse reached totality brought excitement to everyone. And everyone laughed as our rooster started crowing, confused and thinking it was a new sunrise. As everyone was packing up to head on their way, children wanted one more boat ride around the pond or one more chance to pet the kittens. Everyone hung around longer, enjoying the new friendships. But eventually our home was quiet again, and when I finally sat down for the evening, I was exhausted, but realized we had benefitted even more than those who had come to visit. Others I visited with who had done similar things said the same thing. I also learned something else that was very important. A person can never pay it forward without having even more come back to himself. Check out the for great specials at your local restaurants! In Print and Online! Approximately 2,100 sq. ft. Previous Academy of Dance, Available October 1st. On and off street parking, seperate entrance, seperate utilities. For Inquiries Call Leisure World - 665-1240 Upper Midwest Grain elevators 605-66 5-5770 tabor • iren e • Full serv mec ice kling custom Fe • gr • utic a ain m ed a • gr indin rke ting g & mixing Holy Family Parish Holy Family Parish Pancake & Sausage Pancake & Sausage Breakfast & Catholic Order Breakfast & Catholic order of Foresters Raffle of Foresters Raffle 9 a.m. to p.m. 9 a.m.-1 1 p.m. Sunday, September 3RD Sunday, Sept. 6 BowValley Dance Hall, Bow Valley Dance Hall, Bow Valley, NE Bow Valley, NE Raffle, bake sale & games! Raffle, www.uticagrain.com Free storage until october 1, 2017 Call for details on our new marketing program Fall Field Day SDSU SE Research Farm Thursday, September 7, 2017 FR Ope EE & n to Pub the lic Starting at 9:30am Field Tour and Indoor Presentations Topics to Include: • No Till • Cover Crops • Grazing • Grain Market Overview • Managing Forage under Drought Conditions • Calf Value Discovery at Beresford and Volga • Nitrogen Management in Oats 29974 University Road, Beresford, SD 6 miles west of Beresford on Highway 46 and 2.75 Miles South on University Road For more information call 605-563-2989 ruth.stevens@sdstate.edu peter.sexton@sdstate.edu MV Shopper M I S S O U R I VA L L E Y CLASSIFIEDS IN PRINT & ONLINE 605.665.5884 2 Big Days in Delmont, SD To place your ad call... Historical Society of Delmont Kuchen Festival • Sept. 9 (Downtown Delmont) In Concert Kathy Mattea Friday, September 8th, 8:00 p.m. SCHIFERL’S 7 miles south of Yankton WJ RANCH Tickets: 402-357-2102 or Online: www.schiferlswjranch.com Thank you to these sponsors: Mark’s Machinery, Yankton First Dakota National Bank, Yankton Crofton Farm Supply • Doyle Stevens Construction, Crofton Fordyce Coop • Best Western Kelly Inn • Print Source, Yankton Town & Country Insurance, Crofton • Al & Debby Larson, Crofton West Hodson Lumber, Crofton • Stockmen’s Livestock, Yankton Twin Rivers Old Iron Harvest Festival • Sept. 9 & 10 (At the farm, ¼ mile West) • Parades • Tractor Pull • Quilts, Crafts and Art • Flea Market • Demonstrations & KUCHEN www.twinriversoldiron.org www.delmontsd.org Open To The Public Pancakeast Breakf Pancakes, Eggs, Bacon, Sausage, Biscuits & Gravy, French Toast 7.00 All You Can Eat $ Children 6-10 $4.00 • 5 & Under Free Sunday, Sept. 3rd • 8 - 12:30 VFW Post 791 209 Cedar, Yankton • 665-3562