Page 4 shop online at www.broadcasteronline.com July 19, 2011 DAVE SAYS: Mom Has Her Bags Packed For A Guilt Trip! NEW HAY EQUIPMENT * Super Deals on Now! * Hay Equipment Is Available * Windrowers - Balers - Mowers - Rakes CASE-IH Combine Clinics — Next Week — Don’t Miss It! • Yankton - Wednesday, July 27 - 5:00 pm • Wagner - Thursday, July 28 - 5:00 pm Corwyn Lepp - Case-IH Combine Product Specialist to give a presentation on combine and head features adjustments any operating tips - valuable information to help you get the most from your Case-IH Combine Investment USED TRACTORS OVER 50 USED TRACTORS IN STOCK! - RECENT TRADES JOHN DEERE 4440 - P. SHIFT - DUALS - NICE FORD 8770 MFD - S. STEER - SHARP LOCAL TRADE CASE-IH MX255 MFD - LOADED W/ EQUIP - LOW HRS. CASE-IH MX110 MFD - 95HP - LOADER - CLEAN JOHN DEERE 2940 - 2WD - OPEN - 3 PT - PTO JOHN DEERE 6300 MFD/CAB/LOADER FARMALL 75 - ROPS - 62 HP - 3 PT - PTO - LOW HOURS FARMALL 45 - ROPS - HYDRO - 45 HP - LOADER JOHN DEERE 3020 GAS - OPEN - W/F - $5,500 MASSEY FERGUSEN 285 - 2 WD - DIESEL - OPEN ALLIS CHALMERS 8010 - 2 WD - CAB/AIR - SHARP USED HAY EQUIPMENT Dear Dave, My mom makes $20,000 a year, and without telling me she took out a Parent PLUS Loan for $16,000 to help me with college. She’s saying she can’t pay the loan, and it’s been in deferment. Now, she wants me to pay it. I’ll be making good money a few years after I graduate, but I don’t have the money to pay the loan now. What should I do? Jill Dear Jill, A Parent PLUS Loan would not have your name on it, so you have no legal obligation to pay this bill. The real question is this: How much do you want to help your mom after she screwed up big time? She’s obviously done a horrible job communicating with you and managing her own situ- Dave RAMSEY ation. Under the circumstances, I’m sure that leaves you torn between your loyalty to her and being angry that she messed up. In these cases, I think the best thing is probably to sit down and have a good heart-to-heart talk with her about what she’s done and how to ?x things in her GREAT SELECTION OF ROUND AND SQUARE BALERS AND BOTH PULL AND SELF-PROPELED WINDROWERS N. HOLLAND HW320 SP W/R - 14FT - 1900 HR MCDON 5000 - 16 FT PULL W/R <3 ON HAND> NEW HOLLAND 1475 - 16 FT PULL W/R <4> CASE-IH SCX100 - 16 FT - PULL W/R - SHARP <2> N. HOLLAND BB0940A - 3X3 LG SQUARE BALES NEW HOLLAND BR7060 RD BALER - MESH WRAP HESSTON 4750 - 3X3 BALER - CLEAN $22,500 HESSTON 4760 - 3X3 BALER W/ ACCUMULATOR USED COMBINES 24 MONTH - 0% INTEREST WAIVER - ALL USED COMBINES AND HEADS * Axial-Flow Combine Parts* * Hay Equipment Parts * Case IH Baler Twine - Net Wrap Hay Equipment Parts Who is Murphy? Dear Dave, I’ve just started listening to you and trying to clean up my ?nances. Who exactly is this “Murphy” you always talk about? Jennifer Dear Jennifer, The Murphy I talk about isn’t an actual person, or even a real family. There’s an old adage called Murphy’s Law, and it goes something like this: “If any- BIG SELECTION OF USED ROUND BALERS! 2009 - CASE-IH 6088 - 455 HR - DUALS - LOADED 2008 - CASE-IH 9010 - 380 HR - DUALS - LOADED 2000 - CASE-IH 2388 - 1000 HR - 30.5X32 - LOADED 2009 - CASE-IH 5088 - 30.5x32 - 453 HRS JOHN DEERE 9550 - 1537 HR - GREENSTAR - RWA JOHN DEERE 9410 - 1998 - SHARP! - 1711 HR - LOCAL! JOHN DEERE 9600 - 30.5 TIRES - 2681 HR - GREENSTAR CASE-IH 2144 1997 - 2700 HRS - COMING IN <2> CASE-IH 1620 - 900D - 4R MACHINES SEVERAL CASE-IH 1640 - 1660 - 1680 COMBINES NEW HOLLAND TR98 AND TR99 W/ HEADS NICE SELECTION ON 1020 FLEX HEADS - 20-25-30 FT JOHN DEERE 1293 - 12R30 CORN HEAD own ?nancial world. I know you love your mom, but she’s done a really dumb thing here and gotten herself into a mess. Now, she’s trying to lay a guilt trip on you. That’s not cool. To be honest, I wouldn’t feel a lot of guilt if I were in your position. If you get yourself in a good ?nancial situation after college and want to pick up part of the tab, just to say thanks, then that would be ?ne. But don’t get dragged into some kind of dysfunctional family drama and end up paying something out of guilt that’s not your responsibility! —Dave thing can go wrong, it will go wrong.” In other words, if you’re alive and walking around, bad stuff will happen to you sooner or later. It’s not even about being pessimistic or negative, it’s just a fact. Sooner or later it’s going to rain, and that’s why you need an umbrella. I tell people all the time that having an emergency fund of three to six months worth of expenses saved up is great Murphy Repellant. Think about it. A lot of your big problems seem to leave when you have $10,000 to $15,000 sitting around. An emergency fund can turn a disaster into nothing more than a minor inconvenience. So, it’s just a saying. But there’s still a whole lot of truth in that little saying, Jennifer. If you’re properly prepared, you can keep Murphy away from your door! —Dave * For more ?nancial help, please visit daveramsey.com. ACREAGE 29217 Hwy. 11, Hudson 21 Acres includes 3 bdrm multilevel with beautiful updates. 4 stall garage. Great shelterbelt, shade trees and evergreens. High tensile fencing. $355,000 ACREAGE 48133 299th, Alcester 10 Acres with 4 bdrm 2-story home. New roofing, windows and vinyl siding. Metal machine shed and shop plus other buildings. $155,000 ACREAGE 48265 291st, Hudson 11 Acres featuring 2-story, 4 bdrm, 2 bath home with attached double garage. Steel machine shed, steel sided hip-roof barn and more. $246,000 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 — $219,900 611 E. Washington Street - $114,900 2650 sf., 4 bedrooms & 3 baths, 4 bedrooms 3 bath ranch. Open concept, Price Reduced Price Reduced 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. 2004 Country Club Dr. – $161,900 3 bedroom, 3 bath, 2152 sq. Price Reduced ft. finished. Features 9’ ceilings, vaults, plant shelf, bullnose corners. Kitchen appliances stay. LL walkout to patio & fenced yard, mature landscaping. 1804 Jack Nicklaus - $208,000 2 bedroom, 3 baths, multi-level home, slider from lofted living room to cedar deck, master with bath and huge walk-in closet. Lower level family room. Triple car garage. Extra storage extra clean. kitchen appliances included, huge 768 sf garage, dbl. lot. Top to bottom updates in 2006; lite form basement, tiled floors in kitchen, newer cabinets. 1806 Jack Nicklaus - $215,000 5 bedroom, 3 baths, master with bath, slider from dining to cedar bi-level deck, fenced yard. Heated and cooled garage. 10% DISCOUNT COUNTRY CLUB ESTATES/RESIDENTAL LOTS IN ELK POINT Guards - Sickles Sections – Round Baler – • Case IH • IH • Hesston 16000 Sisal................................$33.95 • Hew Holland • McDon 20000 Plastic.............................$21.95 Biodegradable - 20K.................$23.50 Great Guard Prices! 67” x 7000 Net Wrap...............$195.00 Big Square Plastic 350 and 440 IN STOCK * Pallet Qty Discounts * Truckload Pricing Big Parts Inventory Parts to Fit IH, CaseIH, Hesston Hay Machines — CALL US — Vermillion’s Largest Billboard Want your business to be seen? Get your display ad here! Call 605-624-4429 Or Drop By At 201 W. Cherry St.