Page 6 shop online at www.broadcasteronline.com February 22, 2011 DAVE SAYS: Increase your earning potential Dear Dave, We have $21,000 in credit card debt, and ongoing medical expenses for our specialneeds child. My husband works very hard, but only makes about $25,000 a year, and we’re living in a 30-year old trailer. My dad is willing to help us pay off some of the debt, and get us moved into a house, if we’ll get financial counseling. Is there a better way out of this situation? Sheryl Dear Sheryl, If you’re going to have to make payments to your dad, in other words, if the money is going to be a loan, don’t do it. The borrower is always slave to the lender. If you really want to ruin family events, have debt to your parents. It twists you up inside, and it’ll be especially hard on your husband. Now, if this is going to be a gift, and there are no expectations of re-payment being made, that’s a little different. But if you were my child and I wrote you a $21,000 check, I’d expect you to go into fi- HOLMES WELDING 1 mile west of Vermillion • Business Exit 50 & Timber Rd 605-624-3532 nancial counseling and start saving money for your child’s future and for yours. That’s only reasonable. You guys obviously aren’t wasteful yuppies spending money right and left, but having a family and raising kids in the Dallas – Fort Worth area on $25,000 a year is tough – even without the credit card bills you’re talking about. Another thing I’d advise is that your husband get on a five-year game plan to improve his earning potential. Sit down with him, hold hands, and let him know he can be anything he wants to be. Then, help him decide what he wants to be in five years, what he wants to be making five We repair ALL snow removal equipment and have new cutting edges in stock. Steal fabrication and aluminum welding Relationship fix Dear Dave, I have three stepchildren, the oldest of which is married and has a little baby. The only time we hear from him is when they want money. We don’t mind helping out once in a Men’s & Women’s ON SALE! Boston Shoes to Boots OFFICE HOURS 312 W. 3rd • Yankton • 665-9092 STAR TOWNSHIP ANNUAL MEETING will be held at the Wakonda Legion Hall Tuesday, March 1, 2011 5:00-6:00 p.m. Ron Peterson, Township Clerk 605-263-3526 201 W. Cherry St., Vermillion, SD 57069 • 605-624-2695 www.broadcasteronline.com • www.plaintalk.net 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 - $224,900 TH 80 OPEN HOUSE 611 E. Washington Street - $119,900 4 bedrooms 3 bath ranch. Open concept, 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. 207 W. Clay Street. - $60,000 3 bedroom, 1 bath, huge kitchen. New carpet/ flooring/interior/extior paint/roof 2009. 2 blocks from school. 209 W. Walnut Street - $98,500 1/2 Duplex. 1034 sf, ranch, 2 bedrooms, 1 bath, main floor laundry. All appliances included. Single attached garage w/GDOpener and remote. 2-car garage on alley. For Arthur & Alvin Engbrecht 2650 sf., 4 bedrooms & 3 baths, kitchen appliances included, huge 768 sf garage, dbl. lot. Top to bottom updates in 2006; lite form basement, tiled floors in kitchen, newer cabinets. 710 E. Main Street - $154,900 2103 sf Ranch (1/2 of duplex) 3 bedroom, 2 bath, main floor laundry. Huge LL family room, storage. Oversized garage, fenced yard, garden shed. Many updates. 602 S. Pinckney Street - $205,900 Ranch, 2147 sf, 4 bedrooms, 3 bath, bay dining area leads to deck. Main floor laundry. Master bed/bath, walk-in closet. Huge garage, lawn sprinkler system. while, but his wife just seems lazy. She stays at home all the time, and doesn’t help bring in anything. What can we do to fix this? Cindy Dear Cindy, When your relationship with someone is based on you giving them money, then you don’t have a relationship. But there may be other reasons they aren’t calling very much. If you say things about his wife being lazy when you do talk, it probably makes them both angry. If this is the case, they may only call when they’re desperate enough to put up with your comments about her. Plus, taking care of a baby is one of the We Have The Sheepskin For Your Feet 605-624-3532 Monday through Friday 8:00am to 12:30pm and 1:30pm to 5:00pm years down the road, and the steps he’s going to take educationally or in terms of training to achieve that goal. He’s a hard-working man, but today’s culture doesn’t reward hard work alone. You’ve got to engage the gray matter a little, and boost your brain power, too. You make more money when you plan to make more money! —Dave Where: Presbyterian Church Hall, Marion, SD (just off Main St. in Marion) When: March 6th, 2011 • 2:00-5:00pm Hosted By: The Children of Arthur and Alvin Greetings Can Be Sent To: Arthur Engbrecht, PO Box 222, Marion, SD 57043, & Alvin Engbrecht 1731 Baylor, Vermillion, SD 57069 hardest full-time jobs around. The value or importance of what someone does isn’t always reflected in a paycheck. But I don’t think you should be giving them money all the time, either. You could try gently giving advice, instead. Maybe they need to be on a budget, or perhaps they should be spending less. Regardless, I’m always against perpetuating relationships that are based on handing out money! —Dave * Dave may be coming to your town this spring. For more information, please go to http://www.daveramsey.c om/category/events/. Read & Recycle! PRECISION PAINTING INTERIOR • EXTERIOR COMMERCIAL • RESIDENTIAL Quality Workmanship, Reasonable Rates Since 1983 CLINT TUCKER • 624-4621 A17407 NOTICE OF A NN UA Bethel TowL MEETING nship T will hold it s annual uesday, M meeting at 2:00 p.m. arch 1, 20 at the Wak 11 onda Legio Bids will be n Hal l, Wakond a, snow removal , gravel androa SD. Darby Gan d maintenan schow, clerk ce. accepted for NOTICE Annual Township Meeting The Citizens of PLEASANT VALLEY TOWNSHIP in Clay County, South Dakota, and who are qualified to vote at Township elections, are hereby notified that the Annual Township Meeting for said Township will be held at the Clay Rural Water System main office, 30376 SD Hwy 19, in said Township on Tuesday, March 1, 2011, at 1:15 p.m. for the following purposes: To elect one Supervisor for the term of three (3) years; one Township Clerk and one Treasurer, each for the term of one (1) year; open bids received for road maintenance (including labor, grading and gravel) and snow removal; and to do any other business proper to be done at said meeting when convened. Marilyn J. Rohrer, Clerk