Get Your Priorities Straight Firsttearsheets.missourivalleyshopper.com/february12/... · on any...
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February 28, 2012 • Page 4 shop online at www.missourivalleyshopper.com HAIL DAMAGE? HAIL DAMAGE? does your vehicle have NO WAITING! NO WAITING! We'll Pick Up Your Vehicle & Provide You with a Loaner! We'll Deliver Your Vehicle When It's Done! We'll Help File Your Insurance Claim! ....................... ....................... call us toll free today! 1.866.453.5871 or 1.866.778.6903 BILLION COLLISION CENTER ....................... Dear Dave, My husband’s compa- ny recently told everyone that massive layoffs are coming, and they should start looking for other jobs. Right now, all of his options are out-of-town. A real estate agent told us we’d have to remodel our kitchen in order to sell the house. We’ve got $3,500, but remodeling would take about $2,000. Should we get a second mortgage to get the work done? Pamela Dear Pamela, You might want to get another opinion. Sure, a new kitchen would be nice, but is that the end- all, be-all? Either way, there’s no way I’d go into debt to make this happen. Your house isn’t even on the market yet. There’s no reason to fix up a house that’s not for sale, especially when you only have $3,500 to your name! There is, for sure, a financial storm brewing on your horizon. Start right now living on rice and beans and saving up piles of cash to build a big- ger umbrella. Wait until he actually lands another job before you make any big deci- sions. What if something pops up where you are? If you end up moving, then you might take $2,000 from savings to fix up the kitchen and get the house sold. Don’t do it unless you’re going to pay cash, though! You don’t want a second mortgage hanging over your heads, making everything even more difficult. —Dave Leave The 401(k) Alone! Dear Dave, My husband has been transferred again in his job. Right now, we have three houses and about $60,000 in other debts. He just found out that he can borrow against his 401(k) without hardship at the beginning of the year. Is this a good idea? Yvonne Dear Yvonne, Three houses? Do you buy a new house every time you move? You guys need to stop doing that. The “other debt” isn’t the problem. It’s those hous- es that are killing you! I would never recom- mend that someone bor- row against their 401(k) just to pay bills. It might be a different story if you were facing foreclosure or about to file bankrupt- cy, but that doesn’t sound like the case here. I think you’ve just made some really bad decisions, and these decisions are fol- lowing you around and messing up everything else. Most of the time in sit- uations like this I have to say: “Sell the car!” In your case, it’s: “Sell the houses!” I know the mar- ket isn’t great in some areas, but these things are eating you guys alive. You’ve got to put some effort into getting rid of them. Then, start living on a really tight budget and clean up the other debt! —Dave * For more financial help, please visit daver- amsey.com. DAVE SAYS: Get Your Priorities Straight First • WANTED • Old Vehicles • Farm Machinery • Scrap Iron PAYING TOP DOLLAR Call 402-841-1060 For Price 25 % OFF UP TO SAVE ALL KENMORE ® APPLIANCES OR NO INTEREST IF PAID IN FULL IN 18 MONTHS** on any appliance over $499 when you use a qualifying Sears card **Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 18 months or if you make a late payment. Offer good thru 3/10/12. See below for offer details and Important Deferred Interest Details. Excludes Outlet Stores. OR FREE STANDARD DELIVERY on all appliances over $499 *** In Participating Stores. Instant Savings. No Rebate. ***Offer good thru 3/10/12. See below for important offer details. ALL APPLIANCES $499 & ABOVE WITH YOUR SEARS CARD 15 % OFF EXTRA PLUS Kenmore ® savings range 5%-25%. Exclusions apply. See below for exclusions. Offers good thru 3/10/12. APPLIANCE OFFER: Kenmore ® savings range 5%-25%. Offers exclude Electrolux, Jenn-Air ® , Dacor, Fisher & Paykel, floor care, sewing machines, countertop microwaves, water heaters, water softeners, water filtration, air conditioners, air cleaners, humidifiers, dehumidifiers, accessories, closeouts and Everyday Great Price items. Extra 15% off cannot be combined with other Sears card discounts. Excludes Sears Commercial Accounts ® and Outlet Stores. Sears Home Improvement Account SM applies on installed merchandise only. Offers good thru 3/10/12. **No interest offer applies to appliances over $499 after discounts and coupons when you use a qualifying Sears card and account is kept in good standing. Excludes Outlet Stores. Offer good thru 3/10/12. ***Free standard local delivery on any appliance over $499 in participating stores after discounts and coupons. Standard delivery includes delivery within the local delivery area Monday through Friday and delivery not requiring additional services or time. Retail value is $25-$79.99. Additional fees may apply. Customer pays an additional charge for non-standard delivery. Local areas and non-standard delivery charges vary. Excludes all built-in refrigeration. Free delivery on Home Appliance products is not available on items purchased using the Sears Monthly Payment Plan. See store for details. Not valid in Outlet Stores. Offer good thru 3/10/12. CUSTOMER APPRECIATION EVENT OFFER: ††† Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months or if you make a late payment. Minimum payments required. Offer good thru 3/3/12. See below for Important Deferred Interest Details. No interest offer applies to fitness equipment, sporting goods, lawn & garden, mattresses, tools and electronics purchases over $299 after discounts and coupons when you use a qualifying Sears card and account is kept in good standing. Excludes Outlet Stores. Offer good thru 3/3/12. †† Save an extra 5% when you use or apply for a Sears card, subject to credit approval. Excludes Sears Commercial One ® accounts and Outlet Stores. Sears Home Improvement Account SM applies on installed merchandise only. Savings will be automatically deducted from the purchase price. Savings off regular, sale and clearance priced merchandise only. Not valid on closeouts, introductory offers, Everyday Great Price items, Weber ® , electronic purchases under $299 (is calculated on purchase price less all coupons, discounts and reward certificates, not including tax, installation or delivery), video game hardware, Bose ® , Onkyo, prepaid calling cards, Sony DSLR ® , Sony camcorders, Sony lenses, Nikon DSLR ® , Nikon lenses, computers, tablets, eReaders, electronics offers cannot be combined with other electronics Sears card offers, Sealy Brooks Point, Stearns & Foster, Legato; Serta Audrey, Gazelle, Adrienne; Simmons Alton, Brampton; iComfort mattresses. Excludes Electrolux, Jenn-Air ® , Dacor, Fisher & Paykel, floor care, sewing machines, countertop microwaves, water heaters, water softeners, water filtration, air conditioners, air cleaners, humidifiers, dehumidifiers, home appliance accessories, Parts and Repair Centers and catalog orders. Offer good 2/26/12-3/3/12. IMPORTANT DEFERRED INTEREST DETAILS (when offered); Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. With credit approval, for qualifying purchases made on a Sears card (Sears Commercial One ® accounts excluded) Sears Home Improvement Account SM valid on installed sales only. Offer is only valid for consumer accounts in good standing and is subject to change without notice. May not be combined with any other promotional offer. SEARS CARDS: As of 1/2/2012, APR for purchases: VARIABLE 7.24%-27.24%or NON-VARIABLE 14.00%-29.99%. MINIMUM INTEREST CHARGE: UP TO $2. An Annual Membership Fee of up to $59 may apply. See card agreement for details. Sears cards are issued by Citibank (South Dakota), N.A. Sears Solutions cards are issued by HSBC Bank Nevada, N.A. SATISFACTION GUARANTEED OR YOUR MONEY BACK: Exclusions apply. See Sears Return Policy for more details. PLUS SAVE ON ALL OTHER APPLIANCE BRANDS KitchenAid ® & Whirlpool ® APPLIANCES PLUS 10 % OFF ON FITNESS EQUIPMENT, SPORTING GOODS, LAWN & GARDEN, MATTRESSES, TOOLS AND ELECTRONICS PURCHASES OVER $299 WHEN YOU USE A QUALIFYING SEARS CARD IF PAID IN FULL IN 12 MONTHS EXTRA 5% OFF †† OR NO INTEREST ††† event CUSTOMER APPRECIATION See below for exclusions and offer details. Offer good thru 3/3/12. Friendly Service at Your Local Sears Hometown Store. PREMIER DEALER 2011 JA#203C008_301 Friday, March 2nd and Saturday, March 3rd, 2012 Yankton Sears Owned & Operated by: Toby & Kerry Woehl 2901 Broadway, Y ankton • 605-665-7861 Monday-Friday: 9am-6:30pm • Saturday: 9am-6pm • Sunday: 11am-4pm Free Admission March 4, 2012 12-4p.m. Skylon Ballroom 320 S. Robinson, Hartington, NE Northeast Nebraska & PROM EXPO Bridal Show Runway Show 3 p.m. Dave RAMSEY
Transcript of Get Your Priorities Straight Firsttearsheets.missourivalleyshopper.com/february12/... · on any...
February 28, 2012 • Page 4 shop online at www.missourivalleyshopper.com
HAIL DAMAGE?HAIL DAMAGE?does your vehicle have
NO WAITING!NO WAITING!We'll Pick Up Your Vehicle & Provide You with a Loaner!
We'll Deliver Your Vehicle When It's Done!
We'll Help File Your Insurance Claim!
. . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . . . . . . . . . .
call us toll free today!
1.866.453.5871 or 1.866.778.6903BILLION COLLISION CENTER
. . . . . . . . . . . . . . . . . . . . . . .
Dear Dave,My husband’s compa-
ny recently told everyonethat massive layoffs arecoming, and they shouldstart looking for otherjobs. Right now, all of hisoptions are out-of-town. Areal estate agent told uswe’d have to remodel ourkitchen in order to sell the
house. We’ve got $3,500,but remodeling wouldtake about $2,000. Shouldwe get a second mortgageto get the work done?
Pamela
Dear Pamela,You might want to get
another opinion. Sure, anew kitchen would be
nice, but is that the end-all, be-all? Either way,there’s no way I’d go intodebt to make this happen.Your house isn’t even onthe market yet. There’sno reason to fix up ahouse that’s not for sale,especially when you onlyhave $3,500 to your name!
There is, for sure, afinancial storm brewingon your horizon. Startright now living on riceand beans and saving uppiles of cash to build a big-ger umbrella.
Wait until he actuallylands another job beforeyou make any big deci-sions. What if somethingpops up where you are?If you end up moving,then you might take$2,000 from savings to fixup the kitchen and get the
house sold. Don’t do itunless you’re going to paycash, though! You don’twant a second mortgagehanging over your heads,making everything evenmore difficult.
—Dave
Leave The 401(k) Alone!
Dear Dave,My husband has been
transferred again in hisjob. Right now, we havethree houses and about$60,000 in other debts.He just found out that hecan borrow against his401(k) without hardshipat the beginning of theyear. Is this a good idea?
Yvonne
Dear Yvonne,Three houses? Do you
buy a new house everytime you move? You guysneed to stop doing that.The “other debt” isn’t theproblem. It’s those hous-es that are killing you!
I would never recom-mend that someone bor-row against their 401(k)just to pay bills. It mightbe a different story if youwere facing foreclosureor about to file bankrupt-cy, but that doesn’t soundlike the case here. I thinkyou’ve just made somereally bad decisions, andthese decisions are fol-lowing you around andmessing up everythingelse.
Most of the time in sit-uations like this I haveto say: “Sell the car!” Inyour case, it’s: “Sell the
houses!” I know the mar-ket isn’t great in someareas, but these thingsare eating you guys alive.You’ve got to put someeffort into getting rid ofthem. Then, start livingon a really tight budgetand clean up the otherdebt!
—Dave
* For more financialhelp, please visit daver-amsey.com.
DAVE SAYS:
Get Your Priorities Straight First
• WANTED • Old Vehicles • Farm Machinery • Scrap Iron
PAYING TOP DOLLAR
Call 402 - 841- 1 060 For Price
25%OFFUP TO
SAVE
ALL KENMORE ® APPLIANCES
OR NO INTEREST IF PAID IN FULL IN 18 MONTHS** on any appliance over $499 when you use a qualifying Sears card**Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 18 months or if you make a late payment. Offer good thru 3/10/12.See below for offer details and Important Deferred Interest Details. Excludes Outlet Stores.
OR FREE STANDARD DELIVERY on all appliances over $499*** In Participating Stores. Instant Savings. No Rebate.***Offer good thru 3/10/12. See below for important offer details.
ALL APPLIANCES$499 & ABOVE WITHYOUR SEARS CARD15%
OFFEXTRA
PLUS
Kenmore® savings range 5%-25%. Exclusions apply. See below for exclusions.Offers good thru 3/10/12.
APPLIANCE OFFER: Kenmore® savings range 5%-25%. Offers exclude Electrolux, Jenn-Air®, Dacor, Fisher & Paykel, fl oor care, sewing machines, countertop microwaves, water heaters, water softeners, water fi ltration, air conditioners, air cleaners, humidifi ers, dehumidifi ers, accessories, closeouts and Everyday Great Price items. Extra 15% off cannot be combined with other Sears card discounts. Excludes Sears Commercial Accounts® and Outlet Stores. Sears Home Improvement AccountSM applies on installed merchandise only. Offers good thru 3/10/12. **No interest offer applies to appliances over $499 after discounts and coupons when you use a qualifying Sears card and account is kept in good standing. Excludes Outlet Stores. Offer good thru 3/10/12. ***Free standard local delivery on any appliance over $499 in participating stores after discounts and coupons. Standard delivery includes delivery within the local delivery area Monday through Friday and delivery not requiring additional services or time. Retail value is $25-$79.99. Additional fees may apply. Customer pays an additional charge for non-standard delivery. Local areas and non-standard delivery charges vary. Excludes all built-in refrigeration. Free delivery on Home Appliance products is not available on items purchased using the Sears Monthly Payment Plan. See store for details. Not valid in Outlet Stores. Offer good thru 3/10/12. CUSTOMER APPRECIATION EVENT OFFER: †††Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months or if you make a late payment. Minimum payments required. Offer good thru 3/3/12. See below for Important Deferred Interest Details. No interest offer applies to fi tness equipment, sporting goods, lawn & garden, mattresses, tools and electronics purchases over $299 after discounts and coupons when you use a qualifying Sears card and account is kept in good standing. Excludes Outlet Stores. Offer good thru 3/3/12. ††Save an extra 5% when you use or apply for a Sears card, subject to credit approval. Excludes Sears Commercial One® accounts and Outlet Stores. Sears Home Improvement AccountSM applies on installed merchandise only. Savings will be automatically deducted from the purchase price. Savings off regular, sale and clearance priced merchandise only. Not valid on closeouts, introductory offers, Everyday Great Price items, Weber®, electronic purchases under $299 (is calculated on purchase price less all coupons, discounts and reward certifi cates, not including tax, installation or delivery), video game hardware, Bose®, Onkyo, prepaid calling cards, Sony DSLR®, Sony camcorders, Sony lenses, Nikon DSLR®, Nikon lenses, computers, tablets, eReaders, electronics offers cannot be combined with other electronics Sears card offers, Sealy Brooks Point, Stearns & Foster, Legato; Serta Audrey, Gazelle, Adrienne; Simmons Alton, Brampton; iComfort mattresses. Excludes Electrolux, Jenn-Air®, Dacor, Fisher & Paykel, fl oor care, sewing machines, countertop microwaves, water heaters, water softeners, water fi ltration, air conditioners, air cleaners, humidifi ers, dehumidifi ers, home appliance accessories, Parts and Repair Centers and catalog orders. Offer good 2/26/12-3/3/12. IMPORTANT DEFERRED INTEREST DETAILS (when offered); Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. With credit approval, for qualifying purchases made on a Sears card (Sears Commercial One® accounts excluded) Sears Home Improvement AccountSM valid on installed sales only. Offer is only valid for consumer accounts in good standing and is subject to change without notice. May not be combined with any other promotional offer. SEARS CARDS: As of 1/2/2012, APR for purchases: VARIABLE 7.24%-27.24% or NON-VARIABLE 14.00%-29.99%. MINIMUM INTEREST CHARGE: UP TO $2. An Annual Membership Fee of up to $59 may apply. See card agreement for details. Sears cards are issued by Citibank (South Dakota), N.A. Sears Solutions cards are issued by HSBC Bank Nevada, N.A. SATISFACTION GUARANTEED OR YOUR MONEY BACK: Exclusions apply. See Sears Return Policy for more details.
PLUSSAVE ON ALL OTHER APPLIANCE
BRANDSKitchenAid® &
Whirlpool® APPLIANCES
PLUS10%OFF
ON FITNESS EQUIPMENT, SPORTING GOODS, LAWN & GARDEN, MATTRESSES, TOOLS AND ELECTRONICSPURCHASES OVER $299 WHEN YOU USE A QUALIFYING SEARS CARD
IF PAID IN FULL IN 12 MONTHS
EXTRA 5% OFF††
OR NOINTEREST†††
eventCUSTOMERAPPRECIATION
See below for exclusions and offer details. Offer good thru 3/3/12.
STORE NAME
Friendly Service at Your Local Sears Hometown Store.
PREMIER DEALER
2011
JA#203C008_301
Friday, March 2nd andSaturday, March 3rd, 2012
Yankton SearsOwned & Operated by: Toby & Kerry Woehl2901 Broadway, Yankton • 605-665-7861
Monday-Friday: 9am-6:30pm • Saturday: 9am-6pm • Sunday: 11am-4pm
Free Admission
March 4, 2012 12-4p.m.
Skylon Ballroom 320 S. Robinson, Hartington, NE
Northeast Nebraska
& PROM EXPO Bridal Show
Runway Show 3 p.m.
Dave RAMSEY
