August 16, 2011 shop online at www.broadcasteronline.com Page 5 DAVE SAYS: 1705 Becoming Bargain Master! Entertainment Cabinet, 32" TV opening with video shelf and side storage, oak finish, $90. (605)689-0128 Dear Dave, Can you share some tips on bargaining, whether for a used car or even a washer and dryer in the classi?eds? Ray Dear Ray, This is a great question! Bargaining is one of my favorite things to do, but it’s a little harder for me to get away with it these days. There are three points to remember when it comes to getting a bargain. The ?rst is that whoever has the most information wins. This means you need to shop around, do some online research, and become an expert on the value of the item you want to buy. Number two, don’t be afraid to ?ash the cash. Money, especially cash money in your hand, is an emotional thing. Lots of times it will motivate someone to accept your offer— even if it’s a little less than what they want for the item in question. The third thing is patience. Don’t get all hot and bothered about a certain item at a certain place. Calm down and be willing to wait for a deal. You lose your ability to negotiate a great deal—not to mention your walk-away power—if you get all worked up and married to something before you know what else is out there! —Dave Will paying early help? Dear Dave, Will it improve my Dave RAMSEY credit score, and help my ability to buy home later, if I pay my rent 30 days early for the next two or three years? Tanner Dear Tanner, No. Your landlord probably isn’t going to report early payments to the credit bureaus. Just make sure you pay it on time. It is smart to pay a few days early, though - maybe seven to 10 days ahead of time, but for a different reason. That way if something goes wrong at the bank, you’ve still got time to ?x the problem. Chances are your credit score won’t be impacted by your rental payments unless you’re late, and especially if you have sev- eral late payments. That could sure become a black mark against you later! I’m not a big fan of the FICO score, because it doesn’t measure things like assets, income or net worth. It’s really just an indicator of your interaction with debt. This is one of the reasons why it’s really dumb for companies to base lending decisions solely on a FICO score. Fortunately, you can still ?nd lenders that provide mortgage loans based on manual underwriting procedures. But they’re getting harder and harder to ?nd! —Dave It’s just another gimmick Dear Dave, I’ve got my $1,000 emergency fund in place, and I’m working toward paying off my debt. I was wondering what you think about credit card insurance offered through the card companies? It doesn’t sound like a PRECISION PAINTING A17407 Items $100 or Less Remodeled: Microwave White refrigerator. Bumper pool table. Wicker chair, (605)665-8558 For sale: Rollup pickup box cover. Used on a Dodge Ram shortbox. Good shape. Never rolled up. Complete. $100. (402)373-2504 Remodeled: Oak 3-mirror medicine chest. $20. 2-beautiful pictures. $40 each. (605)665-8558. For Sale: Stand for Satellite Dish, Excellent condition, $45. Call (605)661-1406 or email beverlydegen@yahoo.com Two French Provincial chairs, tufted blue velvet, oak trim, good condition $40, or $25 each. (605)689-0128 Garmin Nuvi 255W GPS with text, 2-speech, includes windoww mount, dash adhesive mount and car charger $100 or best offer. (605)665-7770. Used Sears Lifestyler 2808 Treadmill Fitness Trac. 8mph. 1.2HH DC Motor. $25. (605)463-2320 * For more ?nancial help, please visit daveramsey.com. Race car bed frame, red, twin $100. Call (605)660-6690. Quality Workmanship, Reasonable Rates Since 1983 CLINT TUCKER • 624-4621 Garmin Nuvi 255W GPS with text, 2-speech, includes windoww mount, dash adhesive mount and car charger $100 or best offer. (605)661-8037. GE spacemaker microwave oven, white, good condition, $60. (605)665-6575 after 4pm. Leather couch. (605)660-5633. $100. Leather loveseat. (605)660-5633. $100. Old Navy slightly worn Capri’s. size 18 1-$18; North Crest jeans slightly worn size 20 1-$10. (605)661-8037. Old Navy slightly worn Capri’s. size 18 1-$18; North Crest jeans slightly worn size 20 1-$10. (605)661-8037. •Race car bed frame, blue, toddler, $75. Call (605)660-6690. 1710 Antiques Collectibles Vendors wanted outdoor flea market. Riverboat days August 20 & 21, Roadshow Antiques 3300 W. 8th Yankton, SD (605)665-2112. 1715 Arts - Crafts Crafters Wanted! Kick Off to Fall Festival, Saturday, October 8, 2011 in Wayne, NE. Call Jennifer 402-369-1044 for information. 1760 Electronics DISH NETWORK lowest nationwide price $19.99 a month. FREE 30 Movie channels. Watch TV on mobile devices FREE. Next day installation, call 800-465-9348 Restrictions apply, call for details. nani Please Recyle When Done Reading! Boston Shoes to Boots Shoe Fast – Neat – Looks New! Repair Since 1915 Orthopedic Work/ Arch Supports 312 W. 3rd, Yankton • 665-9092 ELECTRIC SERVICE “The Line To Power” Design/Build • Fiber Cabling • Commercial • Residential Service Calls • Boom Truck with Auger • Trenching Serving the Beresford and Vermillion Areas 1-800-560-2518 1221 Cornell St., Vermillion, SD • 605-624-5642 201 NW 13th St., Ste. 3, Beresford, SD • 800-560-2518 You Can Count On Us! 2012 Ford Escape Limited 4x4 Turn Your utter Cl Into r Less ms $100 o gory: Ite * sified Cate In Our Clas r month pe 2 FREE ads Get up to for details! 9 05.624.442 CALL 6 *Some restrictions apply. No commercial/business ads and no pet ads. All items must include selling price and total $100 or less. Ads limited to 25 words or less. Ads run 1 week in the Broadcaster, Plain Talk and Missouri Valley Shopper. Limit of 2 free ads per month. All ads subject to policy and approval by the Broadcaster/Plain Talk. $20. $30. $45. $5. bad deal if they’ll make the minimum payment for you if you become disabled or unemployed. Terri Dear Terri, Credit card insurance is just another gimmick, so I think I’d pass on that if I were you. I don’t buy gimmicks. Here’s the deal. You should already have long-term disability insurance through your employer. If you don’t, then you need to get it today. That way you’re already covered and can make the payments if you happen to become disabled somewhere down the road. Remember, you’re also working your way out of debt and building your emergency fund. So in a sense, you’re going to use your emergency fund as insurance against bad things happening while you knock out that debt and beyond! —Dave INTERIOR • EXTERIOR COMMERCIAL • RESIDENTIAL TODD’S Items $100 or Less 1705 MSRP..............................$32,810 Factory Rebate.................$2,000 Dealer Savings.................$1,815 SALE PRICE $28,995 2011 Ford F-150 XLT Crew Cab 4x4 MSRP..............................$39,740 Factory Rebate.................$4,000 Trade-In Assistance..........$750 Dealer Savings.................$2,995 SALE PRICE $31,995 2011 Ford F-250 XLT Crew Cab 4x4 Diesel MSRP..............................$49,675 Factory Rebate.................$3,500 Owner Loyalty Rebate.......$1,000 Dealer Savings.................$3,680 SALE PRICE $41,495 Vermillion Ford 101 West Cherry Street, Vermillion, SD 605-624-8624• 800-624-6690 www.vermillionford.com