shop online at www.missourivalleyshopper.com October 8, 2019 • Page 9 Dave Says Here’s Why “Labradoodles? Some lady in the city has Labradoodles,” Doc said, putting down the paper. “Hope it isn’t catching,” said Dud. We knew without being told what a Labradoodle was, of course. It meant that a good retriever got too close to one of those tippy-toe prancing fluffs and now there are puppies that need good homes. We’d been broken in to this world by cockapoos and peekapoos, so a genuine Labradoodle wasn’t that much of a stretch. At least it gave us something to talk about over coffee. “You know,” said Doc, “if you were to cross Lassie with a Cardigan Welsh corgi, you could get a colling card.” “You send that same corgi on a blind date with a sharpei,” said Dud, “and you could end up with a bunch of card sharps.” “This is getting bad ... but now that you mention it, what if a half Yorki-half old English sheepdog got interested in a lonely papillon. You’d find yourself with yoroldpappis.” The waitress was giving us looks like she needed our seats at the counter to be empty. Especially since the dogcombo disease was spreading. “You take one of them Japanese Akitas,” said a guy from the truckers’ table, “and cross him with a Boston terrier, you’d get Akitaboston.” “But what would it unlock?” “A Scottish terrier and a great Dane would produce some Great Scotts,” Dud said. “At least that would sound fairly good in a classified ad,” Doc added, nodding. “OK,” said our waitress, finally succumbing to the downward spiral of waning intellect, “if you had a part saluki, part terrier and crossed it with a part bull mastiff and part Llasa apso, what would you get?” “A litter with an identity crisis? “No. You’d get a bunch of ap-saluki-terri-bulls.” The groaning continued for minutes while we got refills. “If one of them Australian dingos got crossed with those little Mexican dogs,” Dud said. We looked at him and waited. “Well?” We shrugged. “You’d get a dinkahuahua, of course.” I think that’s when Doc hit him with the napkin. At least when it was over, no one had suggested a tryst between a shih-tsu and a bulldog. 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 Dear Dave, I’ve heard lots of different theories and recommendations when it comes to paying off debt. Why do you advise paying off debts from smallest to largest? Marlee Dear Marlee, A lot of people wonder the same thing when I bring up the debt snowball. Some think paying off the debt with highest interest rate Dave first is the best approach. This may seem to make sense mathematically, but I realized a long time ago debt is not a mathematics problem—it’s a behavior problem. Personal finance is 80 percent behavior, and only 20 percent head knowledge. Besides, if all those people were so great at math, they wouldn’t be up to their eyeballs in debt in the first place! The reason the debt snowball pays off debt from smallest to largest is that modifying your behavior and providing inspiration to get out of debt is more important than the math. Your probability of becoming wealthy is more closely connected to your behavior than your financial “sophistication” or academic pedigree. When you pay off a small debt you experience success, and that gives you hope. Then, you move on the next debt. When you pay that one off, and you’ve wiped out two debts, it really energizes you. At that point you start to get excited, and you begin to believe in yourself and in the fact you’re actually on the road to becoming debt-free! —Dave RAMSEY It’s Not Easy Money Dear Dave, I’m 35, and I’ve always wanted to own rental property. I think I’ve found a deal that would work for me. I want to take $20,000 out of my thrift savings account to use as a down payment on the property. I could rent the place for $1,400 a month, and my loan payment would be $1,100 a month. What do you think about this idea? Nathan Dear Nathan, I love real estate, so I understand the allure. But what you’re telling me is you want to cash out part of your retirement, get hit with a penalty and take on debt, to buy an investment property. I wouldn’t do it. I’ve got a feeling you’ve never been a landlord before. Bringing in $1,400 and paying out $1,100 may seem like a good place to be, but you haven’t figured all the risk into your equation. Rental properties just sit there empty sometimes. Other times you have renters who don’t pay, repairs, and people who just tear up things. In other words, you won’t be able to count on an easy $300 in your pocket every month. Like I said, I totally get your fascination with real estate. But my advice is to save up, and pay cash for one decent rental property to see if this game is really for you. —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. 319 Walnut St. Yankton, SD 57078 605-665-5884 se or Lea le For Sa 16,000 square feet retail/light industrial/storage space in Yankton. Will subdivide. Contact Parlly Properties at 605-651-5605. Let Our Family Business Keep Yours In The Go With: What Is Palliative Care And How Can It Help You? • Farm Filters • Hydraulic Hoses • Bearings & Seals Cox Auto 1007 Broadway Ave Yankton, SD Katherine Huff, CNP Avera Medical Group Palliative Medicine 605•665•4494 Purva Sharma, M.D. Oncology/Hematology - Yankton Medical Clinic, P.C. Surplus Property Sale October 21, 2019 The University of South Dakota will be offering for sale tables and chairs, tall wood cabinets, lounge chairs, wood desks and other miscellaneous items. Doors open at 11:30 a.m. Lunch & program begin at Noon. Avera Sacred Heart Hospital Professional Office Pavilion, Yankton, South Dakota. Thursday, October 10 2019 • 9am to 3pm th Location of the sale is at the USD Quonset located north of the Dakota Dome on Hwy 50, next to the Vucurevich Day Care Center. Any questions call 605-658-3635 Terms of Sale: Cash Only, NO Checks Tickets: $20 each Purchase in advance at these locations until October 18: Avera Cancer Institute, Yankton 605-668-8850 First Dakota National Bank Rexall Drug www.yanktonmedicalclinic.com/events Sponsored by: DURABLE. POWERFUL. AFFORDABLE. Find Your Ariens Snow Blower at C & B Operations - Yankton, SD. Whether it’s classic dependability, compact sizing, high traction, or a commercial-use equipment, we offer the Ariens snowblowers you can count on. C & B OPERATIONS - YANKTON, SD 2200 E. HWY 50, Yankton, SD | (605) 665-3762 FIND MORE ONLINE AT DEEREQUIPMENT.COM