November 8, 2011 shop online at www.broadcasteronline.com Page 5 DAVE SAYS: Is It Good To Involve The Kids In Budget Talk? Dear Dave, Is it a good idea to include teenagers in ?nancial talks and budget meetings? Paul Dear Paul, I think it’s a great idea, as long as it’s not an extreme situation, such as you’re very wealthy or you’re looking at foreclosure. Teaching them about money with a standard, regular, monthly budget is one thing. But you don’t want to put young people into situations they can’t handle emotionally. Walking through a typical, normal budget will show them how much money is coming in and how much things cost. They’ll see on paper exactly how much the groceries or light bill costs. Then, when it’s right there before their eyes, they’ll begin to realize why mom and dad always tell them not to waste food and to turn off the lights when they leave a room. As long as mom and dad are having a discussion and making dec i s i o n s — n o t ?ghting—it’s good for ances around to different companies in order to get lower rates? Dan Dave RAMSEY kids to hear the give and take where handling money is concerned. Parents who never let their kids handle money, and never teach them proper money management techniques, run a high risk of turning ?nancially irresponsible adults loose on the world! —Dave Address The Real Issue Dear Dave, Is it okay to move your credit card bal- www.broadcasteronline.com Dear Dan, It’s an easy way to lower the interest rate, but it doesn’t pay off debt. The danger of sur?ng your credit card balances is that it’s easy to think you’ve actually done something to address the problem. The habits that got you into debt in the ?rst place don’t change just because you’ve switched credit card companies. In order to really do something about your debt problem, you’ve got to change the guy in the mirror. You’ve got to start living on less than you make. About 98 percent of this issue is lifestyle habits. And guess what? When you change, interest rates don’t matter nearly as much! —Dave No Sure Thing Dear Dave, My brother is 30years old, and he just lost his job. He doesn’t PRECISION PAINTING A17407 have any debt, but he’s started gambling in order to make money. He’s won a few times, and when he does he’s very generous with the winnings. Still, how can I make him see this is a disaster waiting to happen? Emily Dear Emily, You say he’s “started” gambling. Is this new behavior? Is he an addict, or just desperate? That will affect how willing he’s going to be to listen to you. Either way, what he’s doing is really dumb. Sure, you can have a loving, heart-toheart, sit-down conversation with him and let him know how much you’re worried. This is something you should do very soon. But the question remains, is he mature enough that it will make a difference? The movies and cable networks have glamorized poker and the world of gambling. But there’s one sure way to tell whether the house will win or you will win in the long run. Look at your place, and then look at theirs. You may pick up a few dollars here and there by sheer luck, but they throw down millions just to re-decorate a lobby. And where do you think they got that money? From dummies who thought they could beat the system! —Dave * For more ?nancial help, please visit daveramsey.com. FARMLAND AUCTION INTERIOR • EXTERIOR COMMERCIAL • RESIDENTIAL Quality Workmanship, Reasonable Rates Since 1983 CLINT TUCKER • 624-4621 Removal of Snow & Ice 25th Annual Holiday Collections CRAFT FAIR Sioux City Convention Center – 801 4th St. November 19 & 20 Saturday 9AM-5PM, Sunday 10AM-4PM DOOR PRIZES EVERY HOUR • FREE PARKING OVER 150 EXHIBITORS First 125 (paid) Each Day Receive a Special Gift Coat & Bag Check • Concessions Holiday Gifts & Decoration Ideas 1.00 Off $ Adult Admission The City of Vermillion, Code Enforcement Department wishes to remind you that sidewalks are to be cleared of snow and ice within 24 hours following any snow or freezing rain. We are concerned for the health and safety of residents who use public sidewalks. Therefore we are issuing a $10 service fee to the owner of any property if snow and ice have not been removed within the allotted time frame. If snow and ice is not removed after the follow-up inspection, the cost of the snow removal and a $25 service fee will be charged to the property owner. If you plan on being out of town for a period of time, please make arrangements to have your sidewalks cleared. We ask that citizens be courteous to others and remove snow and ice promptly. We apologize for any inconvenience or hardship this may cause. If you have any questions, contact the Code Enforcement Office at 677-7089 Ready to Take the Real Estate Plunge? Find your answer in the Broadcaster classifieds – in print and online! Go to www.broadcasteronline.com or call 605-624-4429. Broadcaster Classifieds FOR ADDITIONAL INFORMATION CONTACT: HOMES FOR SALE STARTER H OME. 2bedroom ran ch. Great location. Just redu Call Wendy (6 ced. 05)5553210. CRAIG W. MONSON MONSON & HOLLOWAY, ATTORNEYS ATTORNEYS FOR THE OWNERS 108 OAK STREET • LAUREL, NEBRASKA 68745 TELEPHONE: (402) 256-3219