4 Broadcaster Press 1815 October 1, 2019 www.broadcasteronline.com Miscellaneous 1850 Agriculture Dave Says Two great new offers from AT&T Wireless! Ask how to get the Next Generation Samsung Galaxy S10e FREE. FREE iPhone with AT&T? Buy one, Give One. While supplies last! CALL 1-8665524495 or www.freephonesnow.com//midwest. (MCN) LOOKING FOR 4-10 ACRES OF LAND Want to buy level land, not on flood plain, within 10 miles of Yankton. Plan to build a home. Contact Dave or Janet at 573634-8997. Leave message. BATHROOM RENOVATIONS. EASY, ONE DAY updates! We specialize in safe bathing. Grab bars, no slip flooring & seated showers. Call for a free in-home consultation: 855-8362250 (MCN) How Much Emergency Fund? Wanted a 12'x14' wide by 16'-24' building. Call 402-6408387. CALL 1-866-552-4495 or MobileHelp, America's Premier Mobile Medical Alert System. Whether You're Home or Away. For Safety and Peace of Mind. No Long Term Contracts! Free Brochure! Call Today! 1-855-385-9770. (MCN) 1820 Give Aways FREE Eating Apples. Hone Crisp, Freedom and Sweet Sixteen. Call (605) 670-3136. Giveaway: chest of drawers 605-661-4832. Giveaway: Two friendly brother barn cats, call 605-6612124. 1840 Lost and Found FOUND: Bracelet found on the practice field north of the Yankton High School last week 9/9. Call to identify. Call 605664-3107 1850 Agriculture 2001 Ford F250 extended cab 4x4 also a 2000 Ford F250 regular cab 4x4. Also a 5'x11' trailer with ramps. Also a 2001 Chevy pickup ¾ ton 4x4 regular cab. 402-640-8387. 3-Point 9' blade, steel corncrib, corncrib panels, portable fuel tank with electric pump 4'x12' trailer. 402-640-8387. APR registered purebred HUSKY puppies, $500; LOOK $1 Brown laying hens, good layers or to eat, 80407 Fish Creek Ave., Scotia, NE, 308245-3297; 308-223-0082. Gehl 4625 Skidloader with trailer runs great, good tires, 5'x11' skidloader trailer, 10'x21' steel flatbed on Westendorf gear. 402-640-8387. Hay wanted, round bales of grass and alfalfa, have semi, can haul. 605-957-4752. 1870 Ag Equipment FOR SALE: 2016 John Deere Combine- Model S670, excellent condition, 600 separator hours, well equipped. Located in Southern Minnesota. 507236-6538 (MCN) M Tractor good tires, power steering, & 3-point, $1,200. 605-670-1460. 1875 Livestock - Poultry 2 Year old virgin Angus bulls, grandsons of OCC Paxton, good dispositions, semen tested, EPD's available, Keith Reed, 402-649-3615. 1890 Seed - Feed Rye Seed for sale. Call 402254-6705. 1895 Dear Dave, I know you talk about having an emergency fund of three to six months of expenses set aside. My husband and I are having a difficult time agreeing on exactly how much we should set aside for emergencies. How do you determine the exact amount? Erin Utility – Livestock Trailer TRAILER SALE: 18 different DUMP trailers 10', 12' 14' & 16' starting at $4,559.00; New Aluminum 3 horse slant; 14' Livestock, 6X12 V-nose ramp door $3,299.00; UTV, ATV, mower, motorcycle trailers in steel & aluminum. For information & prices www.FortDodgeTrailerWorld.com 515-972-4554 (MCN) Dear Matt, In most cases, you’ll have anywhere from 90 to 200 different company’s stocks in a growth stock mutual fund. Over a period of time, some of them will go up and some will go down. If the overall effect is that the group is worth more now than it was before, you made money. The value of that overall group of stocks went up, in other words. Okay, now pay close attention to what I’m about to say next. I love the fact that you’re investing and thinking about the future. It shows wisdom and maturity to be able to grasp the need for a good financial plan now and in the years ahead. However, I’d advise you to not put any more money into that investment until you understand exactly what it is and how it works. Talk to your financial advisor immediately, and let him or her know you’re not clear on things. A quality investing professional has the heart of a teacher. Someone like this will take as much time as necessary to better explain your investment, your options, and answer other questions so you can become an informed investor and, over time, make your own wise investing decisions. Never put money into something you don’t fully understand! —Dave Dear Erin, The exact you amount you have Dave in your emergency fund—whether it’s three, four, five, or six months of expenses—is really more about peace of mind than anything else. Still, there are a few practical things to consider. If you both have very stable jobs, you’d probably be okay saving three or four months of expenses. But if one of you is self-employed, makes most of their money through commissions, or only one of you works outside the home, it would make more sense to have five or six months of expenses set aside. Of course, you can always compromise while leaving room for growth. There’s nothing wrong starting out with three months of expenses saved, then adding more as time goes by. The main thing is that you’re both in agreement, and you both feel safe with the amount of money in * Dave Ramsey is America’s trusted voice on money and your emergency fund! business, and CEO of Ramsey Solutions. He has authored —Dave seven best-selling books, including The Total Money MakeoRamsey than 12 Understand Your Investments ver. The Dave week on Show is heard by more multiple million listeners each 575 radio stations and digital platforms. Follow Dave on Twitter at @DaveRamsey and on Completely the web at daveramsey.com. Dear Dave, I’m new to investing, and recently I began putting money into growth stock mutual funds inside a Roth IRA. On my last statement, it said that my investment had grown. Can you explain how it grew? Matt RAMSEY Medicare Open Enrollment Period Begins Oct. 15 PIERRE, S.D. – Open enrollment for the 2020 Medicare Advantage and Medicare Part D plan year begins on Oct. 15 and ends on Dec. 7. During the open enrollment period, trained volunteers from the South Dakota Senior Health Information and Insurance Education Program (SHIINE) will offer free assistance to seniors seeking additional Medicare information. If you are in need of assistance, please contact one of the following regional offices to schedule an appointment: •Eastern Region: 1-800-536-8197 •Central Region: 1-877-331-4834 •Western Region: 1-877-286-9072 Individuals taking advantage of the free one-on-one counseling should bring their Medicare card, a current list of medications, and if available, their login information for Medicare.gov. SHIINE is a federal program designed to help individuals with questions about Medicare and protecting their benefits. SHIINE is funded through the Administration for Community Living and administered by the South Dakota Department of Human Services Division of Long Term Services and Supports. VERMILLION HOUSEHOLD HAZARDOUS WASTE COLLECTION Why can’t I just throw Household Hazardous Waste (HHW) away? Certain types of HHW have the potential to cause physical injury to sanitation workers, contaminate septic tanks or wastewater treatment systems if poured down drains or toilets, and present hazards to children and pets if left around the house. Read product labels for disposal directions to reduce the risk of products exploding, igniting, leaking, mixing with other chemicals, or posing other hazards on the way to a disposal facility. Even empty containers of HHW can pose hazards because of the residual chemicals that might remain. When and where can I dispose of my HHW? On October 4th, from 2:00 PM to 6:00 PM, bring your HHW to the Missouri Valley Recycling Center. The cost per vehicle is $10. The Missouri Valley Recycling Center is located at: 840 N Crawford Rd • Vermillion SD, 57069 Vermillion Household Hazardous Waste Collection When: Friday, Oct. 4th, 2:00 PM–6:00 PM Where: Vermillion Recycling Center Why: To get rid of hazardous waste that can harm you, your family or the environment. Examples of HHW •Latex and Oil Based Paints •Household Cleaning Products •Fluorescent Light Bulbs •Batteries •Pesticides •Anti-Freeze •Oil BROUGHT TO YOU BY: THE CITY OF VERMILLION MISSOURI VALLEY RECYCLING • CLAY COUNTY