Page 4 shop online at www.broadcasteronline.com May 17, 2011 DAVE SAYS: 1101 Great Theory, But It Doesn’t Work If you need it, you can find it at WWW.MW-ADS.COM. Thousands of classifieds from the Midwest! Refreshed weekly! (MCN) Dear Dave, I live in Alaska, and I’m considering using a credit card for the airline miles. This would make it easier and cheaper for me to visit my family in the Lower 48. Is this a good idea? Adam Dear Adam, What you’re talking about sounds great in theory. The problem is that it doesn’t work out so well in the real world. Did you know that 78 percent of all airline miles are never redeemed? And, if you’re one of the 22 percent who attempt to cash in on them, you’ll ?nd that the airlines make it virtually impossible for you to travel when you want, how you want, or even where you want. Now, let’s look at the credit card side of things. Did you know that studies have shown that you spend more when you use plastic than when you pay with cash? Cash has an emotional element to it. When it leaves your hand, the pain centers in your JUNK WANTED CARS•PICKUPS•SCRAP IRON Don’t Wait...Call Today! Peterson Auto Crushing 605-202-0899 DAKOTA STEEL INC. brain activate. A study at MIT actually proved this to be true. They also found that those pain centers are not activated when you pay with plastic. Here’s the bottom line: With a few very rare exceptions, you’re much better off not chasing airline miles by using a credit card. The vast majority of people who play this game ?nd themselves with nothing but debt at the end of the day. If you’re really interested in airline miles, I’d suggest looking into a debit card program that offers this perk. With a debit card, you’re not borrowing money. You’re spending your own money straight from your own bank account. If this credit card airline miles thing worked so well for the consumer, the card companies would be going out of business. More than anything, it’s a bait and switch. Canton, SD ! ! ! STEEL FACTORY ! ! ! • 29 Guage Steel • High Quality 100,000 P.S.I. Tensile Strength • Cut to length from 1”- 60 ft. • .0155 mill thickness before paint • .017 mill nominal thickness after paint • 40-year paint warranty D RA B And the bait is attached to a hook that takes money out of your pocket and puts it in theirs! —Dave Debt Settlement Companies Aren’t Magic Dear Dave, How do you feel about debt management companies? Can they actually help you reduce and get out of debt? Jake Dear Jake, My advice is to stay away from debt management companies. If you go to the Federal Trade Commission’s website, you’ll ?nd that debt management companies receive more complaints than just about any other type of business. In other words, tons of them are operated poorly to the point of in- Y TREE FAR M & * For more ?nancial help, please visit daveramsey.com. Landscape FACTO R DIRECT Y competence, or they’re just plain scams. Debt management companies don’t wave a magic wand and make your problems disappear. The only way a creditor will take less than they’re owed is if you’re way behind on payments, and they’re afraid they won’t get paid. And, if it comes to a settlement situation, you have to watch your back. Always make sure you get any settlement offers and agreements on your own and in writing—no exceptions. And never allow a creditor to have electronic access to your bank accounts. But the big problem is that you need to ?x your behavior when it comes to handling money. You can do that a lot cheaper than any company. But if you don’t get control of your money, start living on a budget, and living on less than you make, your debt problem is going to hang around your neck for the rest of your life! —Dave 665-4726 Announcements Events IMMANUAL Lutheran Church, Elk Point, SD: Worship Service 9:00 a.m., Sunday School 10:00 a.m. Is food a problem for you? Does weight affect the way you live? Overeaters Anonymous meeting in Vermillion, Thursdays at 6:30p.m., Sanford Vermillion Hospital, 20 South Plum. (Administration door south of hospital entrance in small conference room.) Jesus for Addicts Addiction Recovery-12 Steps Do you suffer from any addictions? Gambling, Alcohol, Food, Sex, Drugs, Etc... You are welcome to attend our meeting at Hillside Community Church. We meet on Fridays at 7:00pm and Saturdays at 8:00pm. Prayers of Compassion-For Addicts & their Families. Hillside Community Church, 1800 Constance Street, Vermillion-SD 57069 or Contact Bill @ (605)638-6192 or Stan @ (605)638-6111. KOMSTAD COVENANT Church, Rural Beresford and Centerville, SD: Matt Styles, Pastor. 18 miles north on University Road. Phone 563-2402. Sunday School 10 a.m., Worship Service 11 a.m. UNITED CHURCH OF CHRIST CONGREGATIONAL, 226 E. Main St., Pastor Steve Miller. 10:30a.m. Worship Service. No Longer S t r a n g e r s www.uccvermillion.org 4 Miles East of Yankton Landscape trees installed with tree spade: Call for Prices. “We Roll Our Own Steel For You We’ll Roll You a Deal” Bottom Dollar • Factory Direct • Wholesale Prices Post Frame Building Packages or Steel Sheeting Burr Oak, 20 ft. Seedless Ash, 12 ft. Colorado Spruce SALE 605-987-9080 • 605-987-4306 fax 8 ft. Colorado Spruce $179 FREE ESTIMATE on Tree Service Work Most difficult time with the passing of my husband Fred. Good friends and neighbors gave to me so much comfort. They sent beautiful flowers and cards and called with their condolences. I would like to extend a heart felt thank you to each and everyone of them. A very special thank you to Rev. Sandy Aakre. Sincerely, Pat Duve www.bigiron.com UNRESERVED AUCTION ONLINE INTERNET ONLY WEDNESDAY, MAY 25, 2011 First Lots Scheduled to Close at 10:00 AM Central Time NO BUYERS PREMIUM FEE and NO RESERVES!! The following equipment is owned by various owners, visit www.bigiron.com for owner names, items locations & phone numbers. TRACTORS: Case IH Magnum 7250 MFWD Tractor, 6584 Hrs.; JD 4650 MFWD Tractor, 4660 Hrs.; 83 JD 4450 Row Crop Tractor, 8629 Hrs.; 05 JD 4310 W/430 Front Loader 4X4 Compact Tractor, 1018 Hrs. TRUCKS & VEHICLES: 87 White Semi Truck; 96 International 8200 Tractor Truck Semi Truck; 92 International/Teco 4600/G4A-37Lf-2TFS1 Bucket Truck. TRAILERS: 87 Timpte Super Hopper Trailer; 07 Great Dane Reefer Trailer. COMBINES: 98 Case IH 2388 AFS Combine, 978 Sep/1399 Eng Hrs. HAYING EQUIPMENT: 05 JD 4895 Self-Propelled Windrower, 4649 Hrs.; 01 Mac Don 9350 Turbo SP Windrower, 1903 Hrs.; NH 1048 Stackliner Bale Wagon; (2) 08 JD 568 Round Balers; 06 JD 567 Round Baler. EXCAVATOR: Cat 235 Hydr Excavator, 9394 Hrs. WHEEL LOADER: Cat 980 Wheel Loader, 10001 Hrs. SKID STEERS: 05 Bobcat T190 Rubber Track Skid Loader, 1346 Hrs.; 06 Daewoo 460 Plus Skid Steer, 2042 Hrs.; 90 Bobcat 873 Skid Steer, 2812 Hrs. LAWN & GARDEN: 08 HC Davis HD30 Soil Mixer W/Conveyor Belt; 08 Bouldin- Lawson PF6G100B Pro-Line Contour Trimmer. FERTILIZER/CHEMICAL EQUIPMENT: 05 JD 4920 Sprayer, 963.7 Hrs.; 95 RoGator 844 Sprayer, 5482 Hrs. EQUESTRIAN | COMMERCIAL | AGRICULTURAL | GENERAL PURPOSE Style & Quality From Concept to Completion For over 60 years we’ve been constructing functional, attractive buildings. Our high-quality structures are created with your vision in mind and covered by one of the strongest, non-prorated warranties in the industry. For more information 605-368-2511 27087 Morton Court Sioux Falls, SD The next Big Iron auction is on June 8!! Check out Employment Opportunities, www.bigiron.com BigIron.com is a division of Stock Auction Company, 1-800-937-3558 2011 Ford Edge SEL AWD NEW!! #3302 #5627 MSRP MFG Rebate Dealer Savings Sale Price $36,175 $3,000 $2,176 $30,999 439 $ and 3.99% APR 75 month w/$2,000 customer cash. All rebates to dealer. 3.99% W.A.C. credit rebates subject to change. Lewis & Clark Ford mo. 316 Capitol St. • Yankton, SD (605)664-2000 • 1-877-865-7668 www.lewisandclarkford.com ©2010 Morton Buildings, Inc. A listing of GC licenses available at mortonbuildings.com/licenses.aspx. Ref #043 DISCOVER THE ENDLESS POSSIBILITIES OF THE WORLD OF MORTON BUILDINGS... 2011 Dodge Ram 1500 Quad Cab Big Horn 4x4 MSRP......................$38,025 MFG Rebate..............$4,000 No Charge Hemi........$1,310 Dealer Savings..........$2,771 Sale Price..............$29,944 424 $ month* 75 month w/$2,000 customer cash. 3.99 APR W.A.C. 2720 Broadway • Yankton, SD (605)665-8033 • 866-268-9514 www.broadwaychrysler.com