May 24, 2011 shop online at www.broadcasteronline.com DAVE SAYS: 1260 Why Not Grow The IRAs? Dear Dave, My wife and I have been following the Baby Steps, and we’ve paid off all of our credit card debt. We still have $51,000 in student loans left, and our combined income is about $140,000. We’re thinking about funding our IRAs while we ?nish off the college loans. How do you feel about this? Patrick Dear Patrick, I wouldn’t do it that way. If you’re still on Baby Step 2, you need to stop all saving and investing and attack that last piece of debt with a vengeance. I know what you’re going through. The problem with student loans is that, like yours, they’re usually pretty big, and sometimes it’s dif?cult to see the light at the end of the tunnel. Even with all the work you’ve done so far, a debt that large can make you feel hopeless. But there’s only one way to take down a giant. You start gnawing at his ankles and work your way up. That’s what you need to do, Patrick. I’m afraid you’ll lose focus and intensity when it comes to getting out of debt if 1200 you worry about saving more and investing too soon. I’ve seen that happen to lots of people, and when it does it can take a decade or more to ?nally get student loans off your back! You guys have made great progress, and you’re making good money. Don’t give up now! If you stay focused and gazelle-intense about getting out of debt, those student loans will be history in about 18 months. Now is the time to roll up your sleeves, get ticked off at this thing, and really go into attack mode. I understand the temptation you guys are facing, but I want you to stick to the plan. There’s power in behavior modi?cation on a short-term basis that supersedes the power of mathematics! —Dave Your Husband Is Wrong Dear Dave, My husband says there’s more risk associated with using a debit card than a credit card. Is this true? Brittany Cars 1245 DONATE A CAR-HELP CHILDREN FIGHTING DIABETES. Fast, Free Towing. Call 7 days/week. Non-runners OK. Tax Deductable. Call Juvenile Diabetes Research Foundation. 1-800-578-0408 nani DONATE YOUR CAR! Breast Cancer Research foundation! Most highly rated breast cancer charity in America! Tax Deductible/Fast Free Pick Up. 800-771-9551 www.cardonationsforbreastcancer.org nani For Sale: 2005 SE Bonneville, low mileage, 3800 engine, $6900/OBO. 1998 SE Bonneville, high mileage, 1850/OBO. 1998 Chevy Cavalier, about 5000 on new engine. Bra, Spoiler, $1800/OBO. 1989 Mercury Cougar, new timing chain, etc., $750/OBO. (605)677-7370 Read & Recycle! RVs - Campers 2004 5th wheel Keystone Hornet Travel Trailer. Ext. length 32’, sleeps six, 2-slides. Call (605)661-7267. 1250 Motorcycles Buying ATVs, jetskies, motorcycles, and snowmobiles. Prefer projects. Will pick up. Call (402)371-7002. For Sale: 1980 Honda 400 Motorcycle. 17,800 miles, good condition. Runs great, uses no oil. $600. (712)898-2901, in Elk Point-SD. 1255 ATVs WANTED OLD JAPANESE MOTORCYCLES KAWASAKI Z1-900 (KZ900) 1972-1976, KZ1000 (1976-1980), KZ1000R (1982,1983), Z1R, S1-250, S2-350, S3-400, H1-500, H2-750, HONDA CB750 (1969-1975), SUZUKI GS400, GT380, CASH PAID, FREE NATIONWIDE PICKUP. 1 - 8 0 0 - 7 7 2 - 11 4 2 , 310-721-0726 (MCN) Patricia Curry: 605-661-2860 Andy Curry: 605-261-1202 Archie Dunham: 605-366-4625 www.dunhamcompany.com Elk Point, SD Also see us at Siouxlandhomes.com Virtual Tours 1704 Arnold Palmer Lane — $219,900 4 bedrooms 3 bath ranch. Open concept, living room w/firepl, slider to patio. Kitchen appliances stay. Master w/roomy walk in closet, large mst bath w/double sinks. Main fl laundry. L level finish: huge family rm, 2 bedrms w/egress, full bath. 3 stall heated garage w/epoxy finish floor. 3rd stall set for tandem 4th stall, pad poured. 611 E. Washington Street - $114,900 2650 sf., 4 bedrooms & 3 baths, Price Reduced kitchen appliances included, huge 768 sf garage, dbl. lot. Top to bottom updates in 2006; lite form basement, tiled floors in kitchen, newer cabinets. Price Reduced 2004 Country Club Dr. – $161,900 Price Reduced 3 bedroom, 3 bath, 2152 sq. ft. finished. Features 9’ ceilings, vaults, plant shelf, bullnose corners. Kitchen appliances stay. LL walkout to patio & fenced yard, mature landscaping. 10% DISCOUNT COUNTRY CLUB ESTATES/RESIDENTAL LOTS IN ELK POINT PURCHASED BY JUNE 1ST 2011 710 E. Main Street - $154,900 2103 sf Ranch (1/2 of duplex) 3 bedroom, 2 bath, main floor laundry. Huge LL family room, storage. Oversized garage, fenced yard, garden shed. Many updates. Dear Brittany, As long as you’re using a Visa or MasterCard debit card and processing it as a credit card, you will have the same exact protection against fraud and theft as a credit card—period. If your number is misused or your money stolen, both Visa and MasterCard require the member bank to replace the money you lost. In the case of a credit card, they would have to wipe it off your bill. Remember, your debit card has two functions. If you use your debit card as an ATM card—which means you enter your personal identi?cation number—then your protection extends only as far as your bank or ATM system allows. These protections can vary depending on your particular bank. And most of the time, the protection you receive from the bank alone isn’t nearly as good! —Dave Boat Motors 1475 Furniture stripping and refinishing. For estimate call (605)624-4166 or (605)677-9964. 1270 JIM RIVER FENCING Jim River Fencing is here for all your fencing needs. We specialize in building new fence, repair work, and tear out. We do barbwire, continuous fence, high tensile, game fence, tree plots, guardrail, sucker rod, chainlink, feed lots, corrals, privacy fence, decorative fence and much more! Call today for an appointment or questions. Jim (253)228-1911 Elizabeth (307)620-2914. Check us out on Facebook search “Jim River Fencing.” Utility Trailers TRAILER SALE: Tow Dollie $985.00 w/brakes $1225.00, 6x10 Enclosed Cargo $2056.00, Enclosed Aluma Motorcycle Trailers SAVE $2,000.00, Dump Trailer 10,00 # $3905.00, Tank (500 gallon) Trailers, Motorcycle Pull Behind $1425.00. 515-972-4554. www.fortdodgetrailerworld.com (MCN) Trailers for rent. 46’ 3 axel grain hopper. 40 Ton 3 axel low boy. 34’ 3 axel side dump. Cargo, livestock and flatbeds. Daily, weekly and monthly rates. Road King Rental. (605)665-5281 1400 Services PREGNANT AND AFRAID? C a l l Birthright 665-5580 (Yankton); 258-3436 (Sioux City); 3348 4 1 1 (Sioux Falls); 1-800-550-4900 ( t o l l free). 1410 Mark?s Handyman Service. Will fix, clean, move and haul away. Firewood for sale. (605)660-8896. Call Classifieds Lawn Landscaping WILL REMOVE TREE Stumps. Schumacher Tree Stump Removal, Insured. Dennis Schumacher, Call (402)388-4487. 1500 Moving - Storage STORAGE GARAGES: 10x20 w/electricty. $70 per month. Austree Storage, 605-624-8048. 1525 Real Estate Service BUYING ROYALTIES AND MINERAL RIGHTS TO PROPERTIES. Tired Of Receiving Small Monthly Checks If At All? Call Now For a No Obligation Cash Offer! 408-202-9307, Liquidholdings@aol.com (MCN) REAL ESTATE: ***FREE Foreclosure Listing*** Over 400,000 properties nationwide. LOW Down Payment. Call NOW! 1-800-785-4121 (MCN) 624-4429 Agriculture 4WD QUALITY OFF-ROAD MINI TRUCKS FOR SALE 40MPG automotive engine, HEATER, full FUNCTION Cabs & more, several models to choose from. www.ulmerf a r m s e r v i c e . c o m (605)387-5660 or (605)661-5050, Menno, SD. Sucker Rod & Pipe. All sizes for fencing and manufacturing. Menno, SD. (605)387-5660 (605)661-5050. Contractors VERMILLION CONSTRUCTION CO. Poured Foundations, Flat Work; 40 Years Experience; Commercial & Residential; Free Estimates. (605)658-2345. Tell them you saw it in the Broadcaster! 201 W. Cherry • Vermillion, SD 624-4429 Hartington Tree Service • Tree Trimming• Removals/Transplanting •Evergreen Shade & Ornamental Trees For Sale Serving SE South Dakota & NE Nebraska for 17 years www.hartingtontree.com Kyle & Kent Hochstein (402) Apartments 254-6710 NEXT TO WALMART UNDER NEW OWNERSHIP NEWLY CONSTRUCTED APARTMENTS • LOW ELECTRIC BILLS New large 3-bedroom with master bedroom, master bathroom, walk-in Closets New large 2-bedroom Handicap accessible, no pets, no parties. Only pay electricity, all other utilities paid! 214 Bower Street, Vermillion CALL GARY Cell: 712-899-0505 7-ACRES WITH 4-BEDROOM HOME CHARACTER & CHARM GALORE, ADDITION IN 1995 WITH WALKOUT BASEMENT, 42 X 60 QUANSET SHED GRADUATION IS NO TIME TO LEARN YOU HAVEN’T SAVED ENOUGH FOR COLLEGE. JUST OUTSIDE YANKTON CITY LIMITS We will offer our acreage for sale at public auction located at 44432 South Jim River Road Yankton, SD. Or from east edge of Marks Machinery (East Hwy. 50) go north on East Side Drive approx. 3/4-mile turn East on Alumax Rd. for 3/4-mile turn north on Willowdale Rd. go 3/4 mile turn East on South Jim River Road 1/4 mile north side of the road, or from the WNAX towers the property is located directly south on: WEDNESDAY JUNE 8TH 4:00 P.M. SALE TIME 605-624-2696 • 4-Bedroom 2-story home with 2819 sq ft above grade, plus 800 sq ft finished walk-out basement with large patio and hot tub. Attached 24 X 28 garage. • Excellent hardwood floors throughout main floor, super floor plan, living room w/French Doors, Large Master Suite with walk-out Maintenance free deck, Main floor utility room. • New Shingles & Vinyl siding installed in 2010, B-Y Rural Water, nice landscaping and mature trees. • 42 X 60 Quanset, other livestock/storage buildings • Room sizes, additional information and pictures available at www.wiemanauction.com LEGAL: Smith Tract 1 in the SW 1/4 of Section 2, 93-55 Yankton County, SD. (Subject to Survey) TO VIEW THE PROPERTY: Contact Louis Smith 605-665-7214 or Wayne Smith 605-661-2018. Buyers packet can be obtained by calling the auctioneers at 800-251-3111 or visit www.wiemanauction.com. TERMS: Cash sale with 15% (non-refundable) down payment the day of sale with the balance on or before July 8, 2011. Trustees Deed to be granted cost of Title Insurance split 50-50. Taxes prorated to closing date. Sold subject to owners approval, and all easements, restrictions and reservations of record. No buyer financing concessions will be allowed. Have your financing in order and come prepared to buy!! THE BROADCASTER LOUIE & PHYLLIS SMITH - OWNERS 605-665-7214 FAX US YOUR AD Use your FAX machine to send us your Classified ad. Remember to include your name & ad. Prepayment is required when placing classified, we accept Visa or Mastercard. Classified FAX number: 602 S. Pinckney Street - $205,900 Ranch, 2147 sf, 4 bedrooms, 3 bath, bay dining area leads to deck. Main floor laundry. Master bed/bath, walk-in closet. Huge garage, lawn sprinkler system. Other Services 1490 For Sale: 16? fiberglass boat, inboard 140 OMC motor, needs new ring. Good looking boat and trailer. $500.. (402)379-3999. 1460 * For more ?nancial help, please visit daveramsey.com. Page 5 P.O. Box 357 • 201 W. Cherry • Vermillion, SD 57069 • Phone: 605-624-4429 Wieman Land & Auction Co. Inc. Marion, SD 800-251-3111 Yankton County Title Closing Agent