June 26, 2018 • Page 2 shop online at www.missourivalleyshopper.com A Gringo Dave Says Stop Playing With Gold and Silver, and Pay Off That Debt! Dear Dave, I make about $240,000 annually, and I will be maxing out my 401(k) contributions this year. I have $60,000 in student loan debt I’m trying to pay off, a small amount left on my home mortgage, plus I’ve been investing in a lot of gold and silver. Those investments are worth about $30,000 right now. In addition to this, I’ve got $10,000 in cash just sitting in a savings account for emergencies. Should I stop the gold and silver investing, and focus on paying off the loans, or keep splitting my money between them? Adam few months. The key will be to start living on a very strict budget. Don’t spend on anything that’s not absolutely necessary. I also want you to temporarily stop contributing to your 401(k). Do this just until you get the student loan debt wiped out, then pick it up again like before. If you want to put even more toward retirement, you could check with a quality investment professional — one with the heart of a teacher — to see if you’re eligible for a back-door Roth IRA. When it’s all said and done, Adam, I want you to have 15 percent of your yearly income going toward retirement. You already know the value of saving and investing. With your income, once you knock out your debt and begin investing again, you have the very real potential to become a millionaire in just a few years! — Dave Dear Adam, I’d stop investing in gold and silver completely. I don’t put money in precious metals at all, because they have a lousy long-term track record. My advice would be to cash out every bit of your gold and silver, and put the money toward paying off your student loans. That would instantly cut your student loan debt in half. Then, with your salary, you should be able to pay off the rest in just a * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven bestselling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Dave RAMSEY erested in this spot? all 665-5884 to e your ad here. nterested in this spot? all 665-5884 to e your ad here. Our day is filled with heat at this time of year. It commands our attention and makes our work harder. As we toil, we daydream not about love or success, but things as mundane as shade and a cool drink. But though the oppressive heat weighs on our brains and taxes our bodies, it is the price we pay for being allowed to spend time outdoors … and it has its one singular consolation: our summer evenings. When the sun goes down in summer, it’s romantic enough to hug a cactus. The recipe is simple; keep the earth warm, but just bring out the stars and a soft breeze that cools the skin. Mix this with a fulmination of little night varmint sounds of peeping and chirping and croaking. And guitars. Whether we play them ourselves or just turn on the radio, it is a setting that is perfect for guitars. Villalobos, Fernando Sor, Tarrega, Randy Travis, Doc Watson, Steve Cormier. We sit in brick-paved patios with something cool and someone sweet and relax and talk about dreams, because on evenings like this, anything is possible. On nights like this, it’s difficult to decide whether remembering evenings Call in the past to place your ad here. like this665-5884is better than anticipating those to come. All we really know is that it sure is nice to be here right now. Tonight I’m going to see if I can remember all the words to “Little Joe the Wrangler” and find out if my guitar is still in tune. INTERESTED IN THIS SPOT? www.missourivalleyshopper.com www.missourivalleyshopper.com www.missourivalleyshopper.com BOYD ROOFING New Weekly Schedules Announced For Driver Exam Stations In Vermillion, Yankton PIERRE, S.D. – Schedule changes have been announced for the South Dakota Driver License exam stations in Vermillion and Yankton. Starting July 1, the Yankton station will be open three days a week while the Vermillion station will be open one day a week. Driver License Director Jane Schrank says the change was made to accommodate public demand. “We have seen more people using the Yankton exam station in recent months,” she said. “Having that site open another day gives the staff more time to process the applications for licenses and license renewals.” Schrank says the new schedule calls for the Yankton exam station to be open every Tuesday, Thursday and Friday. Hours are 7 a.m.-5:30 p.m. for the station, which is located in the Kanner Building at the Human Services Center, 3113 Spruce St. The Vermillion exam station will be open from 7 a.m.5 p.m. every Thursday. The station is located at 11 E. www.missourivalleyshopper.com Cherry St. Schrank reminds people that they have 180 days prior to the expiration date of their license to renew. For information about online renewal or what documents are Visit our Web site renewal and a list of exam stations, needed for a license at www.missourivalleyshopper.com click on to: http://dps.sd.gov/licensing/driver_licensing/. The Driver Licensing program is part of the South Dakota Department of Public Safety. Visit our Web site at Check out the www.missourivalleyshopper.com for great specials at your local restaurants! In Print and Online! General Construction • Siding • Roofing erested in his spot? all 665-5884 to ce your ad here. If Visit605.661.0297 at our Web site www.missourivalleyshopper.com @ Jeremieboyd35@gmail.com Visit our Web site at www.missourivalleyshopper.com Summer Field Day you read this you know... Save $30 on a Summer AC Tune-Up! Just give us aSDSU we’ll Research Farm call and SE Tuesday, July YOUsend out a qualified 10, 2018 • 1:30 pm – 7:30 pm NEED IT TODAY? NO PROBLEM! Field Tours Service Technician like & Indoor Presentations Topics Include: Missouri Valley Tyler, to make sure216 HerbicidesSt. • YN Timing •,SDVarieties your • Corn & Soybean W. 4th • Corn ANKTON Oat Shopper •isNitrogen and Growth Regulators in Oats • Annual Forages • Grazing AC unit ready for those 605-665-5884 and Cover Crops • Rye Cover Crop • Tile Drainage • Soybean Pests and Diseases • Soybean hot summer South Dakota Yield and Protein • Grain Marketing Tyler Reiser • terested daysthissave $30!* Tools • Interseeding and More!!!!! in and ****NRCSAg Weather No-till and Interseeding Workshop**** spot? Service Technician Sponsored FAX IT 605-665-5882 advertising pays! Call the Missouri Valley Shopper at 665-5884 or stop by to place your ad today! 319 Walnut St. • Yankton By Daris Howard I looked at the menu, and I didn’t understand a word on it. I hadn’t been in Peru long, and I spoke almost no Spanish. I was traveling with a group from the university, and we were there not as tourists, but to learn. During the first few days the meals had been planned for us, but for this one, we were on our own. I had made my way downtown in Lima and found a restaurant that looked clean and appeared to have local cuisine. The picture of steaks on the front told me they probably served beef. That gave me the confidence that I could order okay. I joined the line of people waiting to order. I listened intently to what each person was saying, but they spoke so fast I didn’t understand any of it other than a few numbers here and there. A year in advance of our trip, we each received books of key Spanish phrases along with tapes to listen to. I had studied them diligently. But the speaker on the tapes said everything clearly and slowly. What I heard now was a jumble of sounds to my ears. When it was my turn to order, the menu looked like it was in a foreign language. Come to think of it, it was. But it was even more foreign than I expected. The teenage boy taking orders asked me what I wanted. At least that’s what I assume he asked. I didn’t have the slightest idea what to order. All of the Spanish I learned just disappeared from my brain. The only word I could think of was “banyo” (bathroom). That one was drilled into us on the tapes in case we got into a desperate situation. But it didn’t really apply at the moment. At least I could read the prices. The numbers were the same as in the U.S. If I could do nothing else, I could consider the cost. Not knowing what else to do, I asked, “What would you recommend?” The young man looked at me like I had just returned from an alien abduction. “No hablo ingles.” I had learned the phrase, “No hablo español” and knew it meant I didn’t speak Spanish. What he said was close enough that I was sure he was telling me he didn’t speak English. I was holding up the line, and I could see that he was getting impatient with me. Finally, the young man called over his manager, and I moved aside so others could order. The manager asked, “You order?” I thought to myself, “Finally, someone who speaks English.” “Can you tell me what some of the things on the menu are?” I asked. He shook his head. “No understand.” I realized he had just about used up most of the English he knew. I would just have to read off the menu the best I could. I decided that since I didn’t know what anything was, I would just order something cheap. If I liked it, great. If not, I wasn’t out a lot of money. I looked at the cheap section of the menu, and I determined it must be similar to a value menu at fast food restaurants in the United States. I decided to order from it. “Salsa de tomate,” I said, trying to sound as Spanish as possible. I was sure the surprised look on his face was due to my good Spanish accent. I had listened to a lot of tapes. That was only a small amount of money, so I thought I’d add more to it. I read something else from the cheap menu “mostaza.” He nodded and smiled. I decided to add one more item. “Salsa de chile.” He grinned, took my money, and made change. It cost about the equivalent of a dollar. He left and was soon back with my order. He handed me a sack and a cup of water. “Agua,” he said. “With salsa de chile, you need.” I looked in the bag and found I had a small container of ketchup, one of mustard, and one that had a picture of five chili peppers on it. Apparently, I had ordered off of the condiments menu. I must have looked embarrassed because the manager grinned. “Next time,” he said, “you go McDonalds and order chicken nuggets.” Dining & rtainment Ente 84TH ANNUAL Broasted Chicken & Ham Supper including a wonderful salad bar, hot vegetable and your favorite selection of pies at the air conditioned Immaculate Conception Parish Hall Serving 4-8 p.m. CELEBRATION Petition Filed To Place Reliamax Surety Company In Liquidation PIERRE, S.D. – The South Dakota Division of Insurance petitioned the Hughes County 665-5884 to place your held before tour July 10 from 8:15experience noon ad here. Wednesday, July 4 13 years am to 12:00 Circuit Court on June 12, 2018, to place ReliaMax Surety ComSt. Helena, Neb. Ad Sponsored by Heine Electric & Irrigation 29974 University Road • Beresford, SD 605-563-2989 pany into liquidation due to Email: se.farms@sdstate.edu • http://igrow.org INTERESTED IN THIS SPOT? insolvency. The South DakotaFarm is located 6 miles west of Beresford, SD on based insurance company CALL 665-5884 TO 3 miles south on University Road Highway 46 and PLACE YOUR AD HERE. writes surety bonds covering M I S S O U R I VA L L E Y student loan repayment to financial institutions in many Book 66 Intermediate Sudoku Puzzles by KrazyDad U.S. jurisdictions. When You Want Comfort… You Want Kalins! If approved, a liquidator Fill the puzzle so that every row, every column, and every Vermillion: 605-624-5618 and section contain the numbers 1-9 withoutRrepeating a number. Sudokureceiver of the company’s Sudoku #1 #2 M I S S O U I VA L L E Y estate will be appointed by the *Rebate offer only available to Vermillion Light & Power customers. judge overseeing the 7 proceedCall for full details. 2 7 6ings. The petition requests the appointment of Larry Deiter, 4 9 3 69 years as a Premier Lennox® Dealer 8 9 director of the Division of 96 years in the Business Insurance, as liquidator. 5 4 1 3 9 2 Deiter says the order 400 years of Heating and Cooling Experience Yankton Vermillion Sioux City division to 3 6 1would allow the2 to affected 6 = Your #1 Choice in Yankton! 605.665.4348 605.624.5618W712.252.2000 provide protection NE ! preserving kalinsindoor.com 7 6 5 8 7policy holders byfor claims 5 1 company 3 assets payment. 2 6 3 7 8 A liquidation order would Save 10¢ Off A Gallon Of Gas When You Use Your Sinclair Card direct the liquidator to take 3 9 2 1 7 1 possession of and safeguard Have a Safe & Happy 5 9 3the propertyinsurer’s business 9 4 of the insurer, conduct the 4th of July! in the interim and take the 4 8 2 9 steps needed to bring the Smirnof Red, W © 2008 KrazyDad.com © 2008 KrazyDad.com affairs of the business of the intermediate int BOOK 66 #1 hite & Berry Vod $ insurer to an end. ka 66: Answers Book Easy Sudoku Puzzles by KrazyDad 750 ML “If the petition is granted, Last tuesday’s Bud & Bud Ligh $ the next steps include notifySudoku Solution #1 Sudoku #2 t 16 Oz., 6 Packs ing policy holders, claimants 2 9 3 6 1 8 4 5 7 8 4 6 2 7 5 1 3 9 Featuring Wines Sudoku 3 1 4 6 5 7 2 8 3 9Sudokuother interested parties of 2 1 7 9 8#3 4 6 5 and #4 5 7 8 3 4 9 1 6 2 3 5 9 6 1 4 8 2 7 the liquidation status and proWith The Wind & from South Dakota 7 1 6 3 © 2008 8 2 42 6 7 5 9 3 4 Krazydad.com 5 6 2 8 4 7 3 9 18 viding established procedures Prairie Berry 7 3 5 2 9 4 6 1 8 4 3 1 5 6 9 7 8 2 to file claims,” said Deiter. Check next tuesday’s paper for4 5 1 3 2 8 5 3 2 7 7 9 8 3 2 1 5 4 6 6 1 99 Questions on the liquida1 7 2 5 3 4 6 2 4 7 5 8 9 1 3 9 the solution to 8today’s puzzle. 6 tion process can be directed 3 5 7 4 8 6 9 2 1 8 9 8 5 1 3 2 6 7 46 9 4 6 to the Division of Insurance at 1 7 3 4 9 6 2 5 8 ea BOOK 66 4 6 2 9 3 1 7 8 5 605-773-3563. #1 We’ll Match All Local Advertising Prices! MV Shopper When You Want Comfort...You Want Kalins MV Shopper www.missourivalleyshopper.com As Always, Games, Raffle, Bingo & awesome Fireworks to complete the day! A Fun Family Tradition ... Come celebrate with us! M I S S O U R I VA L L E Y M I S S O U R I VA L L E Y Prices Best n Town! I 11.99 Cork N Bottle MV Shopper MV Shopper su do ku 4.99 1500 Broadway, 665-3881 Sudoku #3 6 9 5 1 3 2 4 1 8 7 6 3 Sudoku #4 2 1 5 8 3 9 4 6 7 4