Page 4 shop online at www.broadcasteronline.com DAVE SAYS: 1101 Making the most of a parent’s last days — keep balanced Dear Dave, I need advice on how to handle things where my mom is concerned. She was diagnosed with ALS (Lou Gehrig's disease) a year ago, and now she wants our family to do things together that we can’t afford. Last summer, we took a trip to Norway, and mom paid half, but it still made things hard on us ?nancially. What can I do? Emily Dear Emily, I’m really sorry to hear about your mom. I know that’s tough on everyone in more than just a ?nancial sense. What you’re facing is very sad, and I understand that you want to spend as much time with her as possible. At the same time, though, you can’t bankrupt your family, either. I think you need to sit down with her and gently explain that while you love her and want to spend as much time with her as possible, you can’t put your family in ?nancial danger to help her with a bucket list. You have to balance your love for your mom and this awful situation with what’s best for your own household. Make reasonable decisions on what you can August 30, 2011 The meaning of diversi?cation Dear Dave, What exactly do you mean when you talk about diversifying your investments? Sharon Dave RAMSEY and can’t do with her. Can you stretch yourself to do a few special things? Sure, but stretching is one thing; breaking is another. If she’s leaving you insurance money, you could stretch a little bit, then put that back into your funds later. But don’t go into debt to make these things happen. That will just start a cycle of borrowing that you can’t afford and leave you with a pile of payments later on top of your grief. Your family has enough to worry about right now. Don’t put a bunch of debt on the list, too. That’s going too far. God bless you, Emily. —Dave do the same! —Dave A down payment is not an investment Dear Dave, I’m saving up money to buy a house in the next couple of years. How should I invest this money before I actually buy something? Candace Dear Sharon, When it comes to investing, diversi?cation simply means spreading your money around. This helps reduce risk, because you’re not putting all of your money into one company. This way, you won’t lose everything if that one company goes broke. It’s also why I tell people not to put all of their money into their own company’s stock. I have lots of mutual funds with one or two mutual fund companies. Within those two companies they’re called fund families. Think of it like a brand of soup. Campbell’s® is a brand, but they have all kinds of different soup. I also have money in different banks and in different money market accounts, and I have money in different types of real estate. So, I’ve got several different kinds of investments, but not a million different things running around out there. If I listed them all out they wouldn’t even take up an entire page. I like to keep things fairly clean and simple, and I encourage you to Dear Candace, The problem is that you’re not really investing; you’re just saving. Investing means you aren’t going to touch the money for ?ve years or more. If you may use the cash to buy something within ?ve years, you’re really just kind of “parking” the money for a little while. If it were me, I’d put it in a money market account. It’s basically just going to sit there and not earn much, but you won’t lose anything, either. If you’re lucky, you might see one percent interest in the short term, but that’s about all you can expect considering the low-interest rate environment we’re in these days. —Dave * For more ?nancial help, please visit daveramsey.com. 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 Vermillion Alcoholics Anonymous Group: A fellowship of men and women banded together to help each other recover from alcoholism. Meetings are held in the Post Office basement. Closed AA on Tuesday, 8 p.m. Closed AA on Friday, 8 p.m. Vermillion Food Pantry is located at 816 E. Clark Street. Check our website to see if your family would be eligible for food assistance this month. www.vermillionfoodpantry.org VISUALLY IMPAIRED meeting, 1:00 every second Monday of the month. 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