Page 4 shop online at www.broadcasteronline.com DAVE SAYS: 1101 The Weak Can’t Help The Weak Dear Dave, My husband and I have been married less than a year, and already we’re having huge disagreements over money. He’s got a big heart, but often he’ll just give money to friends and family. Sometimes, this leaves us short when it comes to monthly bills, paying off debt, and saving anything. I guess he thinks we’ll get by somehow, but it scares me. What can I do? Summer Dear Summer, It sounds like he does have a big heart, and I’m sure that’s one of the reasons you love him. But this kind of behavior is completely irresponsible. What’s worse, it’s driving you crazy. At this point, you have every right to be scared and frustrated, because the message he’s sending you is he wants to take care of everyone else before he June 28, 2011 takes care of you and your family. That’s not a good idea. Broke people can’t help broke people, meaning only the strong can help the weak. At this point, you guys should be working together to get your own ?nancial house in order. I’m talking about becoming debt-free, with a fully loaded emergency fund of three to six months’ worth of expenses in place, and something set aside for your golden years. Then, once all that has been taken care of, if you have a friend or family member in ?nancial need, you can gift them $300 or whatever you guys agree is an appropriate amount. I’m a big giver, both at my business and in my personal life. But I’ve learned that my ?rst gifts should go to my wife and family. After I’ve taken care of my own, then comes Dave RAMSEY giving outside of the household. You guys need to take care of yourselves right now. Kill off the debt and build up some wealth so that your husband’s heart can function in that gift! —Dave Planning For A Future Dear Dave, My husband and I are both spenders. We want to get on a plan and handle our money better, but is there anything that will help us learn to give up stuff now so that we’ll have more in the future? Beth Dear Beth, I know what you’re talking about. Old habits are really hard to break, especially when they’re fun old habits. Even when you wake up and feel the pain and realize you shouldn’t have done something, it’s easy to slip right back into the same old stuff, isn’t it? The only way I’ve ever been able to achieve anything like that is to ?nd something speci?c I want bad enough out there in the future to give up something in the present. You may have heard me say, “Live like no one else, so that later you can live like no one else.” Well, this is more a case of you have to want to live like no one else later, so that today you’ll live like no one else. I saw a bumper sticker once that read “Nothing tastes as good as thin feels.” I’ve got to agree with the idea behind that. No discipline is pleasant, but it’s the pain of changing something in your life that eventually leads to a positive result. Think about it this way. A great de?nition of maturity is learning to delay pleasure. Ouch! —Dave * For more ?nancial help, please visit daveramsey.com. Looking for the best deal in town? Check the classifieds! Announcements - 1101 Events IMMANUAL Lutheran Church, Elk Point, SD: Worship Service 9:00 a.m., Sunday School 10:00 a.m. Is food a problem for you? Does weight affect the way you live? Overeaters Anonymous meeting in Vermillion, Thursdays at 6:30p.m., Sanford Vermillion Hospital, 20 South Plum. (Administration door south of hospital entrance in small conference room.) KOMSTAD COVENANT Church, Rural Beresford and Centerville, SD: Matt Styles, Pastor. 18 miles north on University Road. Phone 563-2402. Sunday School 10 a.m., Worship Service 11 a.m. Like beer? Attend Cityview Brewfest and sample 400 varieties on Saturday, July 9 from 3-7 p.m. at Principal Park, Des Moines. $28 at the door or $23 in advance, www.brewfestdsm.com (MCN) Narcotics Anonymous, Thursday Night Live, meets every Thursday at 7:30pm at Trinity Lutheran Church. Use back entrance, Rm. 14. PLEASANT VALLEY Lutheran Church, Rural Vermillion: Sunday School 9:45 a.m., Worship Service 10:30 a.m., Holy Communion First Sunday of every month. All welcome. PROVIDENCE REFORMED Church, 830 Madison: Sunday School 9:30 a.m., Sunday Worship 10:30 a.m. “We Welcome You To Historic Protestant Worship And Fellowship.” REACH 2 MILLION HOUSEHOLDS! Do you have a product, service, or business that would be helped by reaching over 2 million households throughout Iowa and the surrounding states? The Midwest Classified Network will allow you to reach these potential customers quickly and inexpensively. For more information concerning a creative classified ad call this publication or Midwest Free Community Papers at 800-248-4061 or get information online at www.mcn-ads.com (MCN) Unitarian Universalist "The Uncommon Denomination." Services are the first and third Sunday of each month at 7 p.m. in the basement of the United Church of Christ, 226 E. Main. Child care services and refreshments provided. All welcome. Info: www.unitarianvermillion.blogspot.com BROADCASTER 201 W. Cherry • Vermillion 624-4429 Announcements Events ST. AGNES Church, 416 Walker St., Fr. John Fischer: St. Agnes Church and Parish Office, tele. 624-4478. St. Agnes Rectory, 505 Catalina, tele. 624-1995. Mass schedule: 5 p.m. Saturday, 8:00 a.m. and 10:30a.m. Sunday, Weekday Masses – consult weekly bulletin; Sacrament of Penance, Saturday 4-4:45p.m. ST. PAUL?S Episcopal Church, corner of Main and Linden. Sunday: nursery available. 10:00 a.m. Holy Eucharist. 11:00 a.m. coffee hour. Call 624-3379 for more info. The Rev. Rita Powell, priest. Sunday evening Experience at ONE HOUR is comprised of two primary elements: powerful worship and a life-changing message. Worship at ONE HOUR is led by a talented live band in a style that is consistent with todays culture and a relevant teaching message from LifeChurch.tv’s senior pastor, Craig Groeschel, via video broadcast. The worship is intense and the teaching is challenging but the environment will be relaxed and casual. ONE HOUR on the USD Campus at the MUC, 6:30pm Sundays! www.one-hour.org The USD Luther Center, where church and flip-flops go together! The Luther Center, at the corner of Cherry & Plum, Vermillion, has weekly worship services on Wednesday evenings at 7p.m. and 5 Alive meal and devotional gathers on Sunday evenings at 6p.m. during the school year. Pastor Kevin Jensen, 605-624-2834 The Vermillion First United Methodist Church, a welcome place reaching out to all God’s people. Located at 16 N. Dakota St., Sunday School 9:15am, Worship 10:20am. Call 624-2179 for more info. Pastor Brook R. McBride. TRINITY LUTHERAN CHURCH, 816 E. Clark, 624-4442: WORSHIP: Saturday Evening at 5:30pm; Sunday Morning at 10:00am. Holy Communion on the 1st and 3rd Sunday each month. Sunday School, 9am. Info: www.trinityvermillion.org UNITED CHURCH OF CHRIST CONGREGATIONAL, 226 E. Main St., Pastor Steve Miller. 9:30a.m. Worship Service. No Longer S t r a n g e r s www.uccvermillion.org James Heating & Cooling “Quality Service with Reasonable Prices.” “Serving the Vermillion Area Since 1993” Vermillion, SD 57069 • 605-624-9140 Our Services Include: • Furnace and A/C Replacement/Repair • Hot Water Boiler Replace and Repair • Air Duct Cleaning • Window Replacements • In Floor Heating Systems Licensed & Insured • Call for a FREE Estimate 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 — $219,900 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. 611 E. 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