August 27, 2019 • Page 2 shop online at www.missourivalleyshopper.com Dave Says A Key Element In Getting Out Of Debt Dear Dave, I’ve got about $3,000 in credit card debt. Would it be a good idea to transfer the balance from my credit card to another one that has a much lower interest rate? Tammi a vengeance. Think about how many times debt has been a negative influence on your life. My guess is there were many occasions in the past when you could have done great stuff—I’m talking about meaningful, important things—if you hadn’t had to send a bunch of money to those bozos at the credit card company every month. I want you to really think about it. How about this? First, cut up your credit card and close the account. Then, sell some stuff and take a parttime job nights or weekends for just a little while. You could wipe out all your debt in less than a year by doing that and starting to live on a strict, written, monthly budget. If you don’t get mad about it and take a stand against debt, and become determined you’re never going to fall into that trap again, you’re liable to find yourself back in the same situation or worse! —Dave Dear Tammi , Lots of people who find themselves in your shoes make the switch to low-interest rate credit cards. A lower interest rate will Dave help you save a little money in the short-term, but the drawback is it can also make you feel like you’ve addressed your problem with debt when you really haven’t. You’ve got to change the behavior and the mindset that put you in that situation in the first place. Besides, most low-interest, or no-interest, credit card offers are only good for a short period of time. There’s always a catch! I discovered long ago that personal finance is only about 20 percent head knowledge and 80 percent behavior. Emotion is a key element to getting out of debt and staying out of debt. You’ve got to get really mad at debt, the impact it has on your financial life, and attack it with RAMSEY * 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. “Sanctimonious siphons, it’s hot!” said Dud, sitting at the philosophy counter and turning over his coffee cup for action with a single smooth move. Dud is a regular at the Mule Barn truck stop’s legendary world dilemma think tank. “Epithet time again, Dudley?” said Doc. “Epithets and heat time, Doc. When that heat comes along, the only thing that can really change an attitude is a properly tuned epithet. It’s man’s emotional release valve, but of course you know that, being a doctor and all.” Dud doctored his coffee and took a sip. “Right?” “Oh …” said Doc, “right … of course. We took Epithets 1A and 1B in medical school, naturally. ‘Emotional release valves and their perfection’ they were called. I got an A in Epithetology for the Masses in my third year, too.” “You’re just putting me on.” “Maybe.” “Let’s look for a moment,” chimed in Bert, “at why epithets are so good for the soul.” “He’s going to wave his arms again,” whisTony and Donna Ellis pered Doc to (605)665-3720 • 1200 Ellis Road, Yankton, SD 57078 Dud. Have a Safe & Happy Labor Day! “I’m afraid so…” “Yes,” said Bert, “epithets, particularly those where no swearing is involved, are like a frustrated man’s crossword puzzle. They bring out enough cleverness and creativity in a man to pour salve on whatever it is that’s bugging the bejeesus out of him.” “I know I feel better with salve poured on my bejeesus,” said Doc, nodding. “First thing I do in the morning, after coffee,” said Dud. “Well, here comes Steve,” Doc said, as all eyes turned to the cowboy who looked wise, in the way a caffeine-starved owl looks wise. “He’ll pour some salve and sense on this entire situation. “Mornin’ Steve,” said Dud. “What’s going on?” “Bilious blasphemers, it’s hot today!” said Steve. The groaning continued, off and on, through the toast course. Save 10¢ Off A Gallon Of Gas When You Use Your Sinclair Card Prices Best n Town I Fireball Cinnamon Whiskey 28.99 1.75 ML $ Maker’s Mark Whisky $44.9 9 1.75 ML 99 Party Bucket Schnapps 19.99 20/50 ML NEW! Jagermeister $36.99 1.75 ML Wheatley Vodka $29.99 1.7 5 ML $ Cork N Bottle 1500 Broadway, 665-3881 We’ll Match All Local Advertising Prices! We’ll M Local Advertis atch All ing Prices! Yankton Citywide Rummage Weekend Of th September 6 All Ads Will Run September 5th, 6th & 7th in the P&D for just $30 30 words and $.20 per word after 30. ONLY ONE ADDRESS ALLOWED IN EACH AD. INCLUDES: Stop By The Press & Dakotan To Place Your Ad OR email ads@yankton.net • Your ad (30 words, 1 address per ad) placed in the Citywide Rummage Sale section published September 5-7 • Your ad will also appear on-line at www.yankton.net • 2 Yard Signs Sponsored by the: DEADLINE: 5PM, FRIDAY, AUGUST 30 TH Moose Troubles By Daris Howard Our community has a moose problem. This time of year, moose start to move into our yards, eating fruit from our trees and vegetables in our gardens. Oh, they do it the rest of the year, too, but it is most prevalent in the fall. That is why a bunch of the men gathered around before church to share stories. “How about you, Daris?” one of the others asked. “Have you had any problems with moose this year?” “Not as much this year as in the past,” I replied. “I had a mother and a calf come early in the spring. The mother left after busting up my trees. But the yearling she had with her was too sick to follow.” “What did you do about it?” someone asked. “My wife called the Fish and Game Department and asked them to come remove it,” I answered. “We didn’t even want to chase it or anything for fear it would be too much for it.” “Did the Fish and Game Department send someone out?” another person asked. “Yes, the officer came the next morning and asked if she could look around. You wouldn’t believe what she found.” “A whole herd of moose had destroyed your whole orchard and garden,” someone joked. “Actually, she found the sick yearling had wandered into my open shop and died there. The Fish and Game officer said it was completely tick-infested, too.” Some of the guys grimaced at the thought of a tickinfested animal dying in my shop. “The Fish and Game people came out the morning after that and drug it out of my shop and carted it away,” I said. “Maybe that is why no more moose have come around your place,” one of the men said. “They don’t want to catch the overabundance of ticks the other moose left you.” Just about that time, Cyrus hobbled in, leaning hard on his cane. He moved slowly toward where we were. One of the men turned to him. “Cyrus, I understand you have had some moose problems recently?” “I sure have,” Cyrus replied. “There is one big bull moose that thinks he owns my property. He has eaten almost every apple on every apple tree I own.” “Have you done anything about it?” another man asked. “Well, I decided I had had enough. So I got out my pellet gun, thinking I would give him a sting without causing any permanent damage. I thought that would be sufficient to drive him away and at least leave me a few apples for myself.” “Did the pellet gun work?” someone asked. Cyrus shook his head. “It only made him mad. I fired a few rounds, and he started to move away, so I followed. But then, he changed his mind and turned and chased me.” “You’re still here, so you must have beat him to the house,” someone said. “Did I ever,” Cyrus replied. “If I had run like that in my college days, I would have set a world record.” Cyrus then turned and hobbled slowly into the chapel. We all stared after him. Then Samuel said, “And thus we see, that even a moose can be the source of a miracle.” Labor Law Compliance Posters Available PIERRE, S.D. – The Department of Labor and Regulation (DLR) has labor law compliance posters available at no charge from any job service office. This poster includes six federal posting requirements. Various federal agencies, such as the U.S. Department of Labor, the Occupational Safety and Health Administration (OSHA) and the Equal Employment Opportunity Commission (EEOC) require workplace postings. “Businesses should watch out for poster scams from companies selling various federal agency postings,” said Pancake, Sausage & Burrito Breakfast state Labor and Regulation Secretary Marcia Hultman. & Catholic Order of Foresters Raffle “Such companies often 9 a.m. to 1 p.m. use scare tactics about st potential fines and Sunday, September 1 penalties.” The solicitations have an official-looking seal or logos to create the Bow Valley Dance Hall, Bow Valley, NE impression the ad is an official communication from a government entity. Victims of these poster scams should contact the Attorney General’s Consumer Protection Division at 800-300-1986 or consumerhelp@state.sd.us with information or to file a complaint. There may be additional requirements OPENING ARTIST for federal contractors. Yvonne Hollenbeck For more information, contact the Office Friday, September 6th of Federal Contract 8:00 p.m. Compliance Programs at 800-397-6251 or dol.gov/ SCHIFERL’S WJ RANCH ofccp. In addition, the State 7 miles south of Yankton of South Dakota has two Tickets: 402-357-2102 or posting requirements: an Online: www.schiferlswjranch.com unemployment "Notice Thank you to these sponsors: to Employees" and a First Dakota National Bank safety on the job posting Mark’s Machinery (Sponsored this Ad) required by workers' Larry’s Heating & Cooling compensation law. Holy Family Parish Raffle, Sausage Sale, Bake Sale & Games! IN CONCERT Michael Martin Murphey Crofton Farm Supply • Jeremy Stevens Construction, Crofton • Fordyce Coop • Town & Country Insurance, Crofton • Al & Debby Larson