2 Broadcaster Press September 29, 2015 www.broadcasteronline.com Dave Says Laura Ingalls Wilder Book Signing and Discussion at Homestead National Monument of America It Doesn’t Erase Your Credit History BY DAVE RAMSEY Dear Dave, I recently tried to cancel a credit card, and the customer service representative told me that doing this would cancel out my entire 14-year credit history. Is this true? - Keri Dear Keri, No, it is not true. The rep you spoke with is either a moron or a liar. Canceling a credit card doesn’t erase a person’s entire credit history, and it doesn’t erase their credit history with that company or their card, either. And by the way, your credit history doesn’t last 14 years. It lasts seven years, but all the information on your record that is older than that — except for Chapter 7 bankruptcy — comes off your credit bureau report. A Chapter 7 filing stays on your report for 10 years. So, you don’t have a 14year credit history. Sorry, it’s just not there. And if you talk to this company again, you really need to find an educated rep to speak with. This one doesn’t have a clue! —Dave SIMPLY PREPARE Dear Dave, With all the economic problems in the country today, what can college students do to avoid money problems in the future? Eric Dear Eric, There are always three or four things smart things you can do to protect yourself financially. One is to live on a budget. When you give every dollar you make a name, and write in down on paper, it helps you know what your money is doing instead of wondering where it went. Two more good ideas are staying out of debt, and saving as much money as possible. Your money is your biggest wealth-building tool, and when you’re saddled with debt, your money goes to creditors instead of into your pocket. Saving money is what prepares you for the good and bad things life throws at you — whether it’s putting money aside to buy a car, a house or handling unexpected things that always happen. Another thing is investing. I know you’re young, but a little bit invested now could make you a millionaire when you’re ready to retire. These are all simple things, Eric. But they’ll make a huge difference in your financial situation now and in the years to come! —Dave Homestead National Monument of America is the place to be for Laura Ingalls Wilder fans on October 4, 2015 at 2 p.m. Award winning author Pamela Smith Hill will discuss her latest book, “Pioneer Girl: The Annotated Autobiography of Laura Ingalls Wilder” at Homestead’s Education Center. Smith re-introduces readers to Laura Ingalls Wilder, the woman who defined the pioneer experience for millions of people around the world. In “Pioneer Girl”, Hill offers new insights into Wilder’s life and times. Some of Wilder’s experiences will be * Dave Ramsey is America’s trusted voice on money and familiar but others will be a business. He has authored five surprise. The book spent sevNew York Times best-selling books. The Dave Ramsey Show is heard by more than 8.5 million listeners each week on more than 550 radio stations. Dave’s latest project, EveryDollar, provides a free online budget tool. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Missing Vermillion Man The Vermillion Police Department is asking for the public's assistance in locating a subject missing under suspicious circumstances. Evan Stajduhar left his residence in Vermillion between 10pm on Wednesday night and 8:30am Thursday morning, and police are trying to locate him to verify his well being. It is out of Evan’s character to leave without telling family and he did not take many personal items or medication with him. The family believes that Evan left the residence on foot. Evan is 31 years old. He is 5'11" and about 150lbs. He could possibly be wearing a short sleeved striped polo shirt, and cargo shorts. Anyone with information regarding Evan's whereabouts is asked to contact the Vermillion Police Department at 605-677-7070. eral weeks on the New York Times best-seller list after its release on Nov. 17, 2014. “We are pleased to be able to have this Wilder scholar with us to share her insights into this beloved author. Her family’s homesteading experiences, both real and imagined, have helped millions of readers begin to understand the importance of homesteading to this nation,” said Superintendent Mark Engler. Smith’s books: Pioneer Girl: The Annotated Autobiography of Laura Ingalls Wilder and Laura Ingalls Wilder: A Writers Life can be purchased at the Homestead National Monument of America Bookstores. Remember, Homestead National Monument of America has an exciting schedule of events planned for 2015. Keep up with the latest information by following us on Twitter (HomesteadNM) and Facebook (Homestead National Monument of America). Homestead National Monument of America is a unit of the National Park Service located four miles west of Beatrice, Nebraska. Hours of operation are 8:30 a.m. to 5 p.m. Monday through Friday and 9 a.m. to 5 p.m. on weekends. Admission is free of charge. For additional information, please call 402-223-3514 or visit http://www.nps.gov/ home/index.htm. Gov. Daugaard Announces $7,773 for Wakonda Recycling Trailer PIERRE, S.D. – Gov. Dennis Daugaard says the state Board of Water and Natural Resources approved a $7,773 Solid Waste Management Program grant for Wakonda to purchase a recycling collection trailer. The grant will be administered through the Department of Environment and Natural Resources. “I am pleased to announce that Wakonda will receive this assistance,” said Gov. Daugaard. “This funding will help increase recycling by providing a convenient and accessible drop-off point for area residents.” Wakonda is proposing to purchase a recycling collection trailer to receive drop-off recycling materials. The area currently does not have access to a recycling drop-off point. The Clay County Highway Department will transport the collection trailer to and from the Vermillion recycling center. The estimated cost of the recycling collection trailer is $9,716. The Solid Waste Management Program provides grants and loans for solid waste disposal, recycling and waste tire projects statewide. Revenues come from dedicated solid waste fees that are deposited in the state Water and Environment Fund. The Legislature appropriates Water and Environment Funds annually to the Solid Waste Management Program through the Governor’s Omnibus Water Funding Bill. The board met today over the Digital Dakota Network. bpp b Vermillion Fire Fighters Fill Fill the puzzle so that every row, every column, and every section contain the numbers 1-9 without repeating a number. 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Muscular dys8 5 1 9 1 To be considered, a team must have a composite GPA above 3.0 for all team members who trophy, ALS & other related appear on the official NCAA roster. diseases take 9 3life-threateningability to walk, 2 8 South Dakota is one of 553 women’s programs competing this fall at the NCAA Division I, II, away people’s III, or NAIA level that has earned the national award. move, smile, talk & breathe. 1 7 2 7 4 5 Firefighters will be filling the © 2008 KrazyDad.com boot during the Dakota Days © 2008 KrazyDad.com INTERMEDIATE INT BOOK 60 #1 Parade on Sat, Oct 3, at 10 am Book 60: Answers Intermediate Sudoku Puzzlesat Main Street Vermillion. by KrazyDad Last Tuesday’s “For more than sixty years Solution Sudoku #1 Sudoku #2 firefighters have stood on the 2 6 9 5 3 1 7 8 4 4 6 1 2 9 3 7 8 5 front lines for MDA, workSudoku 7 3 8 1 9 4#3 2 6 5 3 7 8 4 6 5 1 2 9Sudoku #4 ing to help those affected by 2 9 5 8 7 1 3 6 4 4 5 7 2 6 8 9 3 1 11 4 3 5 2 1 8 4 muscle disease,” said Area 7 4 6 1 5 3 8 2 9 © 2008 6KrazyDad.com 8 2 9 7 5 3 7 9 2 6 8 4 1 5 9 8 7 2 6 4 1 3 Director Erin Hill. “FirefightCheck next Tuesday’s 1 4 5 for6 ers in SD do more for the fami1 2 3 8 9 4 5 7 6 9 8 2 957 paper 3 6 8 7 4 3 1 5 6 9 2 the solution 1 4today’s puzzle. 8 lies we serve than any other to 6 5 3 2 9 7 6 8 7 4 1 6 1 2 4 7 9 3 5 8 9 5 4 7 3 7 8 3 1 4 6 6 5 23 group, dedicating countless 3 6 9 9 3 5 6 8 2 1 4 7 2 hours of their time every year EA BOOK 60 #1 7 6 1 7participating in Fill the Boot 4 1 Sudoku #3 Sudoku #4 drives & summer camp. 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Funds support MDA’s 4 9 2 7 1 9 6 3 8 5 4 •OFF-STREET PARKING AND PLUG-INS7 5 3 2 6 8 1 life-enhancing programs such 8 9 3 5 4 1 7 6 2 6 8 2 7 1 9 3 4 5 •UTILITIES INCLUDED as state-of-the-art support (Vermillion Event Center) 6 1 9 4 3 7 5 2 8 2 4 1 6 9 5 8 7 3 groups & clinics. They make •ON-SITE 2 9 6 LAUNDRY COIN 4 7 3 5 8 1 8 6 9 3 2 7 5 1 4 KRAZYDAD.COM/PUZZLES 912 Dakota Street •PLAYGROUND EQUIPMENT & SAND BOX 8 1 9 2 6 summer camp possible so 7 5 3 4 7 4 2 6 5 8 3 9 1 kids with muscle disease can 1 3 5 2 7 6 4 8 9 1 2 6 9 7 3 4 5 8 Kick off your celebration with food, fun, and politics! Enjoy •3 BLOCKS FROM CAMPUS enjoy “the best week of the 9 8 6 3 1 4 2 7 5 5 7 4 2 6 8 1 3 9 year” at Camp True Friends & delicious roast pork on homemade rolls with your choice of 4 2 7 8 CALL 3 6 9 5 1 NIKKI OR DAVE 3 8 1 5 4 7 6 2 9 nearly 80 other locations na4 gourmet sauces and sides of baked beans and potato tionwide. Sudoku #7 Sudoku #8 1st Annual D-Days Democractic Pig Roast Clay County Democratic Party OCT. 2 Fundraiser su do ku IMMEDIATE OPENINGS 6pm social 7pm dinner OAKWOOD APARTMENTS Featured Speaker Rep. Paula Hawks Howler’s Bar & Grille (605) 624-9557 salad. Cash bar. $15 per person Flu Shot Clinics 3 8 7 5 6 2 2 1 8 7 4 9 5 4 1 6 9 3 9 2 1 3 8 1 4 5 6 7 3 5 9 2 3 5 6 8 1 7 2 8 9 7 6 4 4 5 4 7 9 6 2 1 7 9 8 3 8 4 9 5 4 1 3 6 1 2 7 8 2 3 6 9 3 7 5 4 5 8 1 2 6 8:30am – 2pm 2 5 7 7 1 2 6 9 4 8 2 4 6 9 9 1 8 4 7 5 3 1 4 8 2 3 5 3 7 6 1 6 9 5 3 EQUAL HOUSING 6 9 5 4 1 3 8 7 3 5 2 6 7 1 9 8 4 2 OPPORTUNITY 1 8 5 3 2 9 4 3 6 9 2 7 Department of Theatre Presents 5 1 7 6 8 4 6 9 5 4 1 2 7 3 8 e by William Ing Available to persons 6 months & older. October 1 8 October 12 10am – 7pm WAYNE S. KNUTSON THEATRE Flu Shot Clinic at Vermillion Medical Clinic. No appointment necessary. The cost will be $40. We accept Medicare assignment. We will also file to private insurance. WARREN M. LEE CENTER FOR THE FINE ARTS Sept. 25, 26, 30, and Oct. 1–3 at 7:30 p.m. and Sept. 27 and Oct. 4 at 2 p.m. Adults $15 • Senior Citizens (62+) $12 Youth & Non-USD Students $10 • USD Students with ID $5 To Purchase Tickets: 605-677-5400 or www.usd.edu/theatre www.VermillionMedicalClinic.com 101 South Plum Street • Vermillion, SD 57069 605-624-8643 This event is partially sponsored by a generous donation from the First Bank & Trust and the USD Student Government Association. If you are a person with a disability and need a special accommodation to fully participate, please contact Disability Services at 605-677-6389 48 hours before the event.