February 20, 2018 • Page 2 shop online at www.missourivalleyshopper.com Dave Says By Daris Howard Your Retirement, Your Money Steal The Flag February is Scout Month, and it always brings back fond memories of my time as a Scoutmaster. We live near a lot of wonderful natural beauty, and we spent a lot of time camping. One particular winter weekend, my assistant, Rod, and I took fourteen boys and went camping down by the river. Nights are long and days are short in the winter, so there weren’t a lot of hours of light left by the time we reached the campsite. The boys were planning a big game of steal the flag. “There are about two hours of daylight left,” I told them. “If you hurry and set up camp, you could have most of it to play.” “Setting up camp is boring,” Gordy complained. “Why don’t we play steal the flag first?” “Because you won’t get camp set up,” I said. “We’ve been there before, and that’s why we have the rules we do. Just work fast.” My encouragement seemed to fall on deaf ears. For the next couple of hours, I heard nothing but complaining while the light faded quickly away. I had food ready to eat long before they finished setting up the camp. When we finished eating, we had to clean up before they could do anything else. Again, they spent more time complaining than working. We just finished when the moon came out, and it was beautiful. It reflected on the snow and made the evening about as light as the early part of a sunrise. “I know,” Mort said, “let’s do a moonlight game of steal the flag.” “And when we get done,” Devin said, “we can tell ghost stories around the campfire.” I didn’t relish the thought of being up most of the night trying to make sure the boys stayed out of trouble, but I had an idea. “If you guys expect me to tell ghost stories, we probably better do it first.” Rod looked at me and smiled as if he knew I had something up my sleeve. The boys told a few mildly scary stories, then it was my turn. I didn’t know many ghost stories. The boys thought I did, but I always made them up as I went PIERRE, S.D. – The South Dakota Game, Fish and Parks along. I was just about to start when we heard a coyote howl. (GFP) is inviting hunters, anglers, campers and all other Then we heard another, and another. Though the coyotes It all began when Windy Wilson told the assembled outdoor enthusiasts to update, download and explore its weren’t foolish enough to come near our camp, the boys philosophers at the Mule Barn truck stop that he was going joked about it. new mobile app. to start writing songs so he could win what he called the One boy smacked another one. “I bet you’ll be too chick“The new mobile app features a digital backpack Nobelly Prize for Lit-a-chur. He said Bob Dylan won it and en to play steal the flag, now.” so users can customize it with favorite maps, licenses, got money and all kinds of stuff and his name was in the I could see the perfect opening, so I started my story. handbooks and key dates,” stated Calley Worth, GFP paper, and Windy figured he could do the same thing, only “Years ago, there were a group of scouts that decided to play digital content strategist. “The app provides the ability to in country music. steal the flag in the middle of the night. There were fourteen view maps offline if the user is in an area with little to no Steve had been listening to this for some minutes and of them. They had heard the coyotes howl, but coyotes aren’t cell phone service. This is one of the main features users finally said, “Windy, tell you what. You write a song, and I’ll that big, so no one was scared. But the Scoutmaster said, ‘I’m asked for prior to developing the app. Users must down- sing it.” not sure that’s a coyote. Listen to the way the sound seems load or sign into their account before heading out to the “You can sing?” Windy said. to come from all directions at once, and it’s deep, growly, and “No. But I figure I can sing as good as you can write field to receive the most up-to-date information from eerie.’ these features. We also want residents and nonresidents songs.” “But the boys didn’t listen. None of them wanted to be Well, the gauntlet had been tossed down, stomped in the thought of as chicken. They set up their flags, a blue one to know that they can sign up for notifications regarding on one end, and a red one on the other. As they played, the hunting season start and end dates and application open- mud, and thoroughly slandered! The next day, ol’ Windy drove up to the city to the Jerry coyote sound continued echoing all around them and grew ing and closing dates.” Hat Trick Community College, named and funded by our louder. The Scoutmaster was sitting by the fire, and he realReminders to App Users: only successful hockey player from here in the valley. ized that the shouts from the boys had faded away, and the • Allow the app to send or push notifications and also He asked if there was a class he could take on writing fa- coyote sound had disappeared. He wondered if the boys had opt into allowing location access. These will be prompted mous songs. They didn’t have one. The nice lady asked if he gone to bed. upon opening the app. Accepting this feature will allow was interested it taking clarinet lessons, but the old cowboy “He took his flashlight and went to see where the boys users the ability to use the GPS and key dates feature. and camp cook had to decline the offer. were. They weren’t in their tents. He found no boys, but he He sure was disappointed. You see, he needed to figure • If users had the old version of the GFP Outdoors app did find the flags, each torn into seven strips, flapping from out the notes to go with his first song, which he’d already on their phone, the new version will be available as an the trees. He searched all night, and he didn’t see any sign of named “Spread the Manure out under the Tree, cuz I’m Fixupdate in the App or Google Play Stores. the boys, but he did see fourteen pairs of fire red eyes staring ing to Go Skinny Dipping with Thee.” He figured it had every- at him from the brush. • If users did not previously have the app, it is available thing a great song needed, romance, nudity and agriculture. “The next morning, he found prints that looked like huby searching ‘GFP Outdoors’ in the App or Google Play Now if Steve could only sing …. man hands, with long claws at the end of the fingers.” Stores. Mort’s voice quivered “The mobile app is designed for Android systems 6 as he asked, “What kind of and up and iOS systems 10 and up.Users may need to prints were they?” update their software if they cannot download the app or “All I know,” I replied, “is if the app will not update to the newest version,” conthat werewolves are supcluded Worth. posed to make that kind of track.” Gordy yawned and stretched. “You know, guys, I’m really tired. What say we go to bed and play steal the flag tomorrow?” They all readily agreed, $ and soon the camp was quiApple & Pineapple 750 ML et, except for Rod’s chuckling and the howl of coyotes in $ the distance. Precisely Detailed Dear Dave, I’ve been following your plan, and I’m ready to start investing. Do em- Dear Dave, ployer contributions count toward My mother wants everything, except for her home, left to my the 15 percent you recommend put- brother and I when she dies. She would like her long-time boyting into retirement? friend to have her house. We don’t have a problem with this, but it Brenda has not been written into her will. Her mind is still sound, so does she need to officially update the will? Dawn Dear Brenda, Investing 15 percent of your income in retirement accounts is Baby Step Dear Dawn, 4 of my plan. That means you’ve al- Yes, the will needs to be changed to reflect her wishes where ready paid off all your debt, except the house is concerned. Since she’s still able to make decisions for your home, and you’ve increased independently, the will should be legally updated to reflect exactly Dave your $1,000 beginner’s emergency fund to a what she wants to have happen with every piece of her estate. fully-funded emergency fund of three to six It’s fine if she wants to give her boyfriend the house. It’s your mom’s will, and her estate, so she can do pretty much whatever months of expenses. Way to go! I want you to control your destiny, so em- she wants. She could also leave what’s called a life estate that says ployer contributions do not count toward the 15 percent I recom- her boyfriend gets use of the home while he’s alive. Technically, in mend setting aside for retirement. The first thing you should put this kind of situation the house would be left to you, but he would money into is a matching retirement account. If you’ve got access legally have use of it during his life. Upon his death, the home to a 401(k) — and your employer offers a match — you should do could then revert to you or your brother. — Dave that up to the match before anything else. It’s nice if your company will match up to a certain point, but chances are that will still mean you’ve got some work to do. To * Dave Ramsey is America’s trusted voice on money and busimake up the remainder, you could look at a Roth IRA. Then if the ness, and CEO of Ramsey Solutions. He has authored seven bestRoth, plus what you invested previously to get the match doesn’t selling books, including The Total Money Makeover. The Dave equal 15 percent, you could see about a 403(b) or go back to your Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow 401(k) to complete the 15 percent. Dave on Twitter at @DaveRamsey and on the web at daveramYou’re doing great, Brenda. Keep up the good work! sey.com. — Dave RAMSEY New GFP Outdoors Mobile App Available Prices Best n Town! I We’ll Matc Local Advertis h All ing Prices! Paul Masson Bra ndy 4.99 Black Velvet 1 4.99 1.75 ML Sky Vodka $16.4 9 1.75 ML Jamison Irish W hiskey $2 Cork N Bottle 3.99 750 ML 1500 Broadway, 665-3881 PrePAy DAys AT C.J.’s at the Lake Weigand Rd. 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