July 2, 2019 • Page 2 shop online at www.missourivalleyshopper.com Choosing a Musical Instrument Dave Says It’s Only Temporary Dear Dave, Should I still contribute up to the match to my 401(k) at work, like you recommend, if I’m in the process of trying to get out of debt? Russ Dear Russ, Some people disagree with this stance, but my answer is no. I understand how important it Dave is to take the match in a situation like that, but one of the things I’ve learned over the years is that personal finance is 80 percent behavior and only 20 percent head knowledge. In the short term, the power of focusing on changing your behavior and working hard to pay off debt will supersede the mathematics involved where your company match is concerned. In other words, if you stop saving temporarily, for just a year or so—and wipe out all your consumer debt—you’ll gain a tremen- RAMSEY dous amount of financial power. And this will be more beneficial to you than one or two years of your company match. I’d never tell anyone to stop investing, or taking advantage of a company match, for several years. However, if you put it on hold for just a little while and clean up your debt mess—then go back to investing for retirement—you’ll reap many more rewards down the road. You’ll permanently change your financial behavior, and you’ll be able to invest even more for retirement and other things. Good question, Russ! —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. Residents And Business In Turner County Now Eligible For Disaster Assistance It’s the heat that defines us this month. It greets us at daybreak with its promise, but in an hour or so, it bears down on our shoulders and makes us dream of shade and something cold to drink. The best thing about our hot season, however, are evenings when most of the earth cools, and that breeze slides in off the mesa and caresses our cheeks. Then it’s time to sit, and laugh, and tell stories and just be with someone we love. Then is the culmination of a day we can be proud of. Inside each of us, we silently and privately applaud ourselves, because the hot day tried us, but we did it. All day. We made it through the heat today. Made it with our hands today. Made it through to another precious June evening when we can sit on the patio with something cold and someone sweet. So it gets hot in the daytime. Okay. But just don’t forget to give us these evenings, these blessed evenings when we can recall what cooler weather felt like. Without these evenings, it would just be another hot summer day. 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 PIERRE, S.D. – Homeowners, renters and business owners in Turner County may now apply for federal disaster assistance for uninsured and underinsured damage and losses resulting from the severe winter storms and flooding from mid-March to late April 2019. Bennett, Bon Homme, Charles Mix, Cheyenne River Sioux Reservation, Dewey, Hutchinson, Jackson, Mellette, Minnehaha, Oglala Lakota, Pine Ridge Reservation, Rosebud Reservation, Todd, Yankton and Ziebach counties were previously designated for Individual Assistance, bringing the total to 13 counties and three reservations. State and federal officials encourage those affected by the disaster to register for assistance immediately by calling toll-free 800-621FEMA (3362) or TTY 800-4627585. The toll-free line is in operation from 7 a.m. to 11 p.m. (local time) until fur- TYNDALL MOTORS BOAT FOR SUMMER SALES EVENT Now Till July 31 st 2019 TRACKER TARGA V-19 WT T.E. Cox Auto 1007 Broadway Ave Yankton, SD 605•665•4494 2019 TRACKER TARGA V-18 COMBO Reg. $5.99 - SALE - $4.29 per yard $ 35,715 with Mercury 150 HP 4S 36,255 with Mercury 150 HP XL 4S $ Reuse. Repurpose. Really Save! • Farm Filters • Hydraulic Hoses • Bearings & Seals FABRIC SPECIALS! NEW 34,935 Your price with options freight and prep Let Our Family Business Keep Yours In The Go With: 33,695 Your price with options freight and prep NEW $ When I first met my wife, she was a music major and played in a dance band. I was in athletics. My children have tended to follow their mother’s interests more than mine. Every one of them is an excellent musician. To be honest, I do play the harmonica, and I used to play the piano some. I also played the guitar when I was in college. But I try not to mention that to anyone because I seldom play a musical instrument in public. I usually only play my harmonica when we are camping as a family, though I have done a little bit in theatre when there was a desperate need, with an emphasis on desperate. Despite my lack of musical talent, over the years, due to my wife and children’s interests in music, I have associated with quite a few musicians. I often find it interesting to learn how different musicians chose their instruments. One fun story was related to us by a physician that played in a community orchestra with my wife. He played the bassoon. Not too many people play the bassoon. It is usually not the most used instrument in an orchestra. But due to its unique sound, it often stands out and is sometimes given small solo segments. The physician’s first name was Paul, and that’s what we knew him by in the orchestra. One of the musicians asked Paul if either the unique sound or the opportunity to solo was the reason he chose to play the bassoon. He laughed. “No. The reason is a lot more rudimentary than that.” He then told us his story. His parents were a family of musicians. Every member of the family was expected to learn to play the piano and one other instrument of their choice. Paul was somewhat annoyed by this expectation. He preferred to play sports. None of his friends had such a requirement of instrument practice in their families, and he felt frustrated and shortchanged. When he would see his friends head out to play baseball while he was expected to go home and practice the piano, he was endlessly annoyed. So, when he became proficient enough on the piano that it was his turn to choose a second instrument, he chose the bassoon. “The whole reason I chose the bassoon was not because I liked it,” Paul said. “In fact, I thought it was a strange instrument with an even stranger sound. But I knew it was the one instrument that drove my father crazy. I decided that if he was going to make me practice an instrument, I was going to practice something that annoyed him. I guess, secretly, I thought maybe if it drove him crazy enough, he would decide I could quit. “But if my dad was anything, he was determined. I think he just covered his ears and gritted his teeth. And the more determined he became to see it through, the more determined I became to drive him crazy. I practiced more and more. “But something happened that I didn’t expect. All of the practice to drive my dad crazy started making me a good musician. Without realizing it, I was excelling on the bassoon and ended up winning awards and becoming part of the best orchestras. I was nominated to state competitions and ended up winning first in solo performance, even though solo performances on bassoons are quite unusual.” “I bet your dad is proud of you,” someone said. Paul laughed. “Yes, he is. But he has still made it clear that I’m not playing a solo at his funeral. He is having my sister who plays the harp do it instead. NO HAGGLE, NO HASSLE Receive A Bass ProShops/Cabelas Gift Card With Purchase of Selected Boats Only During This Event! 2019 SUNTRACKER PARTY BARGE 22 XP3 ther notice. Registration can be accomplished anytime at www.disasterassistance. gov or with a smart phone using the FEMA mobile app. The deadline to register is August 6. Individuals can also register for assistance by visiting any of the five Disaster Recovery Centers that FEMA and the State of South Dakota have opened across the state. Additionally, Mobile Disaster Recovery Centers will be visiting five additional locations. Find the nearest center at www. fema.gov/drc. FEMA’s Individual Assistance program includes a wide range of aid, including emergency home repair, temporary disaster housing, replacement grants for serious disaster-related needs and expenses not covered by insurance or other assistance programs. For those insured, the government may help pay for basic needs not covered by insurance. Officials remind affected residents they must register with FEMA to be eligible for the full range of federal and state aid programs. Filing damage reports with state or county emergency managers or calling 2-1-1 does not start the federal disaster assistance process. By Daris Howard $ 2019 SUNTRACKER PARTY BARGE 20 DLX Take a fresh look at the Classifieds, the original way to shop green! 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