shop online at www.missourivalleyshopper.com May 21, 2019 • Page 3 Dave Says Lost And Overwhelmed Dear Dave, My fiancé and I just started your class, but we’re having trouble getting our beginner emergency fund together. We both work full-time, and I make $59,000 a year while he has worked in retail for several years and makes $22,000 to $25,000. I’m trying to manage a couple of side jobs, but we just can’t seem to get our budget to work in a way that will allow us to save anything. Can you help us? Adrienne Dave Dear Adrienne, First of all, your finances should remain separate until you’re married. There’s shouldn’t be a “we” in terms of money at this point. You can always run a single budget that you both look at and prepare for after you’re married, but right now he shouldn’t be paying your bills and you shouldn’t be paying his bills. The biggest problem I see is that he’s making no money. He needs to get a better job. He can’t pay his bills, and in the process, he’s sucking you dry. I’m sure your fiancé is a good, hard-working man, but he needs to make a serious career shift soon—like now! In the meantime, this guy needs to take on a part-time job or two until he gets that career shifted. It’s not really a budgeting problem you’re looking at. It’s an income issue. —Dave RAMSEY Diversify Advisors? Dear Dave, We’re wondering if we should diversify our invest- ments by hiring multiple advisors with different companies, so we won’t have all our eggs in one basket. Your thoughts would be appreciated. Marya Dear Marya, I would get one advisor, and I wouldn’t invest all my mutual funds in one fund. Virtually all mutual fund advisors can sell pretty much any mutual fund, and you can buy an array of different mutual funds from different companies through one advisor. That gives you diversification. So, there’s really no advantage in having multiple advisors, unless you don’t trust someone’s advice. And if you don’t trust someone’s advice, why are you working with them in the first place? I personally have one financial advisor, and I trust that person. Still, I ask lots of questions and make sure I understand everything that’s going on with my money and the investment before making a decision. Why are you recommending this? What is it about them you like? Show me the fund and how it compares to the S&P and other funds in the same category. If you approach it this way, and again, you have one advisor, it’s a learning process and you become a more educated investor. Plus, after a while you can create your own diversification. Never put money into something you don’t fully understand! —Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-selling 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. Getting Tomatoes to Grow green and undersized.” “So how did your garden turn out “Do you fertilize them?” I asked. this year?” I asked. “Yes. I get a load of fertilizer from “Quite well,” Becky said. “EspeMy cousin Becky loves gardening the dairy farm that is just down the cially the tomatoes.” about as much as I do. We often com- road.” That was when I remembered our pare notes on what works and what “Maybe that’s the problem,” I said. previous conversation. doesn’t. “What?” she asked. “So, did Kaley take over the toma“How do you do on your toma“You tell them how beautiful and toes like she said?” www.missourivalleyshopper.com www.missourivalleyshopper.com toes?” she asked. wonderful they are, then you dump Becky nodded. “She did, and they “Oh, I do okay,” I said. a load of cow poop all over them. I turned out incredibly well.” “Do you do anything special?” think the problem is that after you “Did she talk to them, too?” I “Not really,” I replied. “I do usually tell them all those wonderful things, asked. plant them in tires so the tires heat and then do that to them, they don’t “Yes,” Becky said. “I think it’s part up during the day and keep the toma- believe a word you say.” of our family heritage to talk to our toes warm at night.” “Don’t you use manure on yours?” plants.” “Do you get a big crop?” Becky Becky asked. “So, what did she do differently?” asked. “Sure,” I teased. “But I don’t go ex- I asked. “I get an okay crop,” I replied. “My tolling all of the plants’ virtues before “Nothing, really. Same water, same biggest problem is I get them going I douse them in it. I just do it.” weeding, and same manure. The only well, I keep them weeded for about Becky’s daughter, Kaley, said, difference was what she said to them. half of the summer, but then every- “He’s probably right, Mom. Let me She said I was killing them with kindthing hits at once. As a scoutmaster, take over raising the tomatoes and ness, and that needed to change.” I have scout camps, then the berries see if they do better.” “What did your daughter say to need picking, and the peas need shell“Yeah, Becky,” I joked. “Maybe them?” I asked. ing. The tomatoes grow weedy. They you smashed your green thumb with “She said, ‘You tomatoes better still produce well, but not as well as a hammer and turned it purple.” get your act together and produce they could.” The subject changed, and we got lots of fruit or I’m pulling you out by “Do you ever talk to your toma- talking about other things. The sum- your roots.’ Boy, did they produce!” toes?” she asked. mer went by, and I forgot all about “Not intentionally,” I replied. “Why our visit about do you ask?” gardening and “As a girl growing up, my mother tomatoes. But would swear that plants do better if in the fall, I inyou talk to them and praise them. I vited Becky and keep my tomatoes weeded, watered, her family up for and I talk to them.” www.missourivalleyshopper.com We www.missourivalleyshopper.com a cookout. “What do you say to them?” I were finishing asked. up roasting hot “I tell them they are very good to- dogs and marshmatoes, and that I love them. I also mallows when tell them thank you for giving me the conversation food. But they still don’t produce turned to the harvery well. Everything they give me is vest. 066 dall, SD 57 rd Ave., Tyn 30320 Fo hotmail.com December 2nd & 3rd, 9th & 10th, 16th & 17th • 1-3:00PM allford.com • pjhawk@ell: (605) 660-2302 www.tynd (888) 877-5035 • C 3362 • Bring Your Cameras! ce: (605) 589Offi By Daris Howard www.missourivalleyshopper.com www.missourivalleyshopper.com Billy’s been a busy guy ever since he became the official town dog here. Sally had been the town dog until she passed away on Doc’s porch, and then Billy’s owner died just two weeks after that, so it was something of a natural progression. Sometimes offices are filled without an election. The high school wood shop boys built Billy a dog house next to the school crossing, but Billy preferred Aunt Ada’s couch in the cold months and a nice dog depression under an oak tree when it’s warm. Billy was making the rounds this morning. He had snacks at the Gates of Heaven Chinese café (back door, of course) and the Mule Barn truck stop, and conned a granola bar out of some kids just leaving the convenience store. Then he headed down the main street, turned right at the drug store, and ended up on the porch of The Rest of Your Life Retirement Home. A brief scratching and whining gave him access, and he cruised around, being petted and loved, until he found Pop Walker. Pop can remember what happened in World War II right down to the mess hall menu, but he has a tough time with names and whether he’s had breakfast today or not. “Uh …?” Pop looked at the lady in the nurse’s uniform. “I’m Jean, Pop.” “Oh sure … Jean, okay if I go outside with the dog?” “Only in the back yard, Pop. Okay?” He grinned. “Okay.” Pop and Billy walked around back there for a while, and Pop found a stick and threw it for Billy a few times. Then they went to a bench in the shade and Billy laid his head on Pop’s knee and got some free ear rumples. Pop looked down at the dog. “I’m glad you came over today … Billy,” Pop said. Pop remembers World War II, also. MV Shopper CLASSIFIEDS M I S S O U R I VA L L E Y IN PRINT & ONLINE To place your ad call... 605.665.5884 Mark’s Machinery www.missourivalleyshopper.com www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com www.missourivalleyshopper.com K PAT HAW www.missourivalleyshopper.com www.missourivalleyshopper.com Visit our Web siteAlways LOW Visit our Web site at at Liquor Prices! www.missourivalleyshopper.com www.missourivalleyshopper.com •Busch & Busch Light 30 pks ........... $15.79 •Old Milwaukee & Light 30 pks ........$14.99 •Miller High Life & Light 30 pks ........$14.99 •Bud & Bud our Web site at $17.99 Visit Light 24 pks ........................ 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