2 Broadcaster Press August 16, 2016 www.broadcasteronline.com Girls’ Camp Bears Dave Says Rental Runaround Dear Dave, the only My husband and I had to rent way anyone a car on a recent trip to Florida. rents a car When we tried to pay with our without a debit card, the attendant told big credit us he would have to pull our check hascredit report if we used debit sle is a instead of credit. He said all bunch of rental car companies operate crap. that way, because there was W h e n concern about people stealyou’re seting the cars and closing their Dave ting up your checking accounts. Is this true? reservation We’re trying to take control of in the fuour money using your plan, and ture, verify we don’t want to get a credit in advance that you’re dealing card if we don’t have to. with a company that accepts Michelle debit cards and that there are no ridiculous strings attached. Then, if you don’t like the terms Dear Michelle, No, it’s not true that all rental and conditions, go to another car companies operate that rental company. way. I have a debit card I use But don’t take a chance on to rent cars everywhere I go, wrecking your total money and I’ve never experienced any- makeover by running out to get a credit card for something thing like that. There still may be a few of the silly. It’s just not worth the risk! smaller rental car companies —Dave that don’t take debit cards, but him telling you credit cards are RAMSEY Adjustable Rate Mortgage Dear Dave, Considering all the market volatility, why do banks offer adjustable rate mortgages? How did they come into being? Anonymous Dear Anonymous, I was in the real estate business in 1978, and that was the year fixed rate mortgages went to 10 percent for the first time in history. It created all kinds of chaos, but that wasn’t the worst of it all. By 1981, rates were as high as 17 percent. Banks were paying 10 to 12 percent on savings accounts, but they were making just five percent back from their products. Essentially, banks began looking for a way to prevent themselves from losing money in the future. Out of that, the adjustable rate mortgage was born. With the adjustable rate By Daris Howard mortgage (or ARM), banks offer a lower interest rate in the beginning to grab your attention. Then, when rates adjust they adjust up. It transfers risk to the consumer, and puts the homebuyer in a position where they’re at the mercy of the markets when it comes to the amount of their mortgage payments. Adjustable rate mortgages are a bad, bad deal. If you currently have one I’d encourage you to refinance now! —Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-selling books. The Dave Ramsey Show is heard by more than 11 million listeners each week on more than 550 radio stations and digital outlets. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Aviation Connects South Dakotans To The World National Aviation Day is observed annually on August 19th to celebrate the history and promote the development of aviation. It coincides with the birthday of Orville Wright who, along with his brother Wilbur, pioneered powered flight more than 100 years ago. I took an early interest in aviation, receiving my pilot’s license at the age of 17. Today, aviation allows us to travel more frequently and with relative ease to all corners of the world. As a large, rural state with a sparse population, many of us rely on regional airline service for flight travel. In fact, 90 percent of South Dakota’s commercial service comes from the regional airline industry. It is an essential service for our rural communities. Unfortunately, regional airline service in places like Huron, Watertown, Aberdeen and Pierre have struggled in recent years. Delays, canceled flights and fewer flight options have made it more difficult for residents to fly in and out of these communities. Understanding how important regional airline service is to our state, I have been working to solve the problem of decreased air service to our smaller towns. One important issue is the pilot shortage currently affecting our regional airlines. In 2010, Congress passed new mandatory minimum flight hour requirements for airline pilots. The new regulation raised the number of flight hours required to serve as a copilot from 250 to 1500, a 600 percent increase. This increase has created a significant barrier to entry to the airline industry for aspiring pilots, and in turn has made it very hard for carriers like Great Lakes Airlines, a regional carrier serving South Dakota, to fill open pilot positions. While increasing flight hour minimums was well-intended, these new laws were not aligned with the expert recommendations from the Federal Aviation Administration (FAA) and the National Transportation and Safety Board (NTSB). Now, six years later, thanks to critical research at places like South Dakota State University, we are in a position to offer a better and safer alternative based on empirical data. These entities have conducted peer-reviewed studies that consistently show the best pilots are the ones who receive the best training, not the ones with simply the most flight hours. Earlier this year, I introduced an amendment to the FAA reauthorization bill to address these issues. My amendment seeks to increase the qualified pilot pool for regional airlines by creating new, state-of-the art, FAA-certified safety courses that would count toward minimum pilot flight hour requirements. It also strengthens pilot training and airline safety by putting pilots through rigorous, simulator-based training programs, all while maintaining the high standards that Congress put in place for the Airline Pilot Transport Certificate. By simulating more real-world crisis scenarios and attending more industry specific training, I believe our pilots would be even better prepared to respond in the event of an emergency. Today, air travel is the safest it has ever been and more people are flying than ever before. Our travel possibilities are endless, as long as we have pilots to fly us. I will continue working toward a solution that reconnects the broken pilot pipeline while continuing to maintain the highest standards of safety in aviation. And, I will continue working on behalf of those who live in smaller communities to keep our regional airports thriving. DRUNK DRIVING The Vermillion Police Department will be increasing enforcement activities for impaired driving August 19th - September 5th DRIVE SOBER OR GET PULLED OVER Stories you missed this week because you’re not a Plain Talk subscriber USD is planning to open Charlie’s, a store that will sell Coyote apparel, gifts, and other items, in the former LumoStudios building in downtown Vermillion. A community celebration was held Aug. 9 to welcome Dr. Heather Kleeman, a new physician at Sanford Vermillion, to town. Deputies with the Clay County Sheriff’s Department have begun providing law enforcement patrols in Irene. And if you want to see: Full coverage of the Clay County Fair that was held Aug. 11-13. A feature about a relative of Vermillion Mayor Jack Powell who is biking across the country to raise funds for a cancer charity. A report from the Aug. 15 public hearing by the Clay County Commission regarding the county’s Concentrated Animal Feeding Operations (CAFO) ordinance. Pick up this Friday’s Plain Talk! Local news since 1884! Here for you yesterday, today and tomorrow. 201 W. Cherry, Vermillion, SD 57069 605-624-2695 I took my daughter to meet the girls she was heading off with to girls’ camp. It was early in the morning, and I stayed for a short time while the leaders gave last minute instructions. “And don’t forget,” the head leader said, “if you hear the bear horn, you are to get into the nearest cabin immediately.” “Yeah,” a young teenaged junior leader named Lindy said. “You will be safe there.” Lindy was a senior and fairly typical of the country girls in our community. She was athletic, pretty, and though quite strong, she was still feminine. Seeing her standing there with her long blond hair and her camping gear around her made me smile. I also laughed to myself at the thought of the bear alarm. I could remember the fire alarm drills all those years in grade school. If it went off, everyone was to get out of the building quickly and safely. But if the bear alarm goes off, everyone is to get inside. My daughter went off with her group, and I went home to pack for my trip with the scouts to climb Mount Borah. We each had our own adventures, and when I returned sweaty, tired, and with blistered feet at the end of the week, I looked forward to hearing my daughter’s tales of her adventures at girls’ camp. But when I walked into the house, it was quiet. “Where’s Elli?” I asked my wife, Donna. She smiled. “Where else? She’s sleeping. I don’t think those girls at girls’ camp ever go to bed.” I took care of watering the yard and garden, and then took care of other things that needed attention. I worked quite a few hours and finally came in for the evening. “Where’s Elli?” I asked. “She still asleep,” Donna replied. “But I think we should wake her up or she won’t sleep tonight.” I looked at the time—eight o’clock. “That makes a lot of sense,” I replied. “Let’s wake her so she can go back to sleep.” We did eventually wake Elli so she could eat dinner. “How did the camp go?” I asked. “Did you have any bear problems?” She nodded. “We were just finishing up dinner on the first evening when the bear alarm went off. We all rushed into the cabin. Then we gathered around in a group and everyone told the scariest stories of bears they knew.” “I bet that was fun,” I said. “Yes,” she replied. “But some of the girls started to get really scared and said we should change the subject. So we quit talking and everyone was quiet while we tried to think of something else to talk about. That’s when we heard it.” “Heard what?” I asked. “The bear,” she replied. “We could hear it snorting. It was loud and frightening and sounded like it was almost right by us. But the scariest part was that it wasn’t coming from outside. It was coming from inside the cabin.” “What did you do?” I asked. “Well, some of the girls started to scream. Others were yelling that we should run out of the cabin, but rules said we couldn’t until the all-clear was sounded. We didn’t know what to do. But then one of the older girls calmed everyone, saying it wasn’t a bear. She then pointed at sleeping Lindy and said, ‘That’s the way Lindy snores.’” I laughed, thinking of sweet, pretty, feminine Lindy snoring loud enough the girls thought it was a bear. “But,” Elli said, “the worst part was that we didn’t get any sleep at all listening to the same snoring bear every night.” Musicians Will Be In Inducted In SD Country Music Hall Of Fame The South Dakota Country Music Hall of Fame (SDCMHoF) will be presenting the 13th Annual Awards in a ceremony at the South Dakota State Fairgrounds in Huron on Sunday, Sept. BroadcasterOnline.com 4. The 2016 Inductees will be presented their awards on the Farm Bureau Dakotaland Stage by Gate 3 starting at 6 p.m. This “Get Connected!” year’s event will be dedicated in memory of Wilbur and Elizabeth Foss – both prior inductees and Lifetime Achievement Prices ! award winners, who both passed away this year. Boots & Shoes Sale duced Re The inductees are: Bobby Humphrey, Rapid City; Frank “Buddy” Ree, Aberdeen; Eugene Noonan, Centerville; Eugene Waterproof “Whitey” Boettcher, Sioux Falls; Mike Nepodal, Matt Nepodal, Corsica; Kathy Koenig, Tyndall; Liz Fisher, Scenic; Francie Ganje, Sturgis; Joyce Ruesink, Castlewood; and Donnie BackFREE SOCKS with boots man, Wilmot. The Lifetime Achievement Award winner for 2016 is Howie Gamber from Huron. The CD of the year award goes to “Aces 312 W. 3rd • Yankton • 665-9092 & Eights” – Kim Bachman & Harland Allen of Belle Fourche, for their CD titled “Aces and Eights.” A new category for 2016 is promoter of the year and the honorees are Lloyd and Bev Schafer of Revillo for their tenacious efforts or promoting country jamborees in Revillo and support of country musith 54 Annual cians. Steam Threshing Jamboree The stage band will be comprised of prior inductees: Roy King, Elaine Peacock, Paul Engebretson, Richard Danielson, Isabel Troubaugh, and Sam Tulio. They will present a short program, then the inductees will all perform, and the inductions and benefit auction will take place. We will do a group picture and have ample displays for inductees to take pictures August 25, 26, 27 & 28, 2016 with other musicians and family and friends. family, or friends. Inductees are all nominated by their peers, They are then selected on their musical history, promotion 2 mi. west of Madison, SD on Hwy 34 and support of country music in South Dakota. Musicians and 40 antique filled buildings, train performers are selected from all the entire great state of South & carousel rides, hundreds of Dakota. There are no age restrictions except for the Lifetime tractors, parades, tractor pulls, CAMPING with achievement award. The selected inductee must be at least 70 shower houses available large flea market and entertainment years old and have promoted country music in South Dakota in the opera house. for most of their lives. Dinner trains by reservation. In addition to honoring our musicians, the use of some of the contributions for the Hall of Fame is to help provide musical prairievillage.org/jamboree supplies for the beginners at the lower school levels. It is our belief that kids need support and encouragement to become info@prairievillage.org involved in the arts and music is an art. This is the organiza(605) 256-3644 or tion’s way of giving back to the community as well. supplies is 1-800-693-3644 children get music So helping very important. We are the only statewide organization that puts musical supplies into the hands of elementary students in their formative years. The Hall of Fame will also present Elaine Peacock and Isabel Trobaugh on the DakotaLand Stage on Saturday, Sept. 3 at about 5:50 p.m. prior to the Williams and Ree Show. Williams & Ree, Elaine, and Isabel are all prior Hall of Fame inductees and proud to perform country music for the fans. The Hall of Fame is nonprofit and all work is done by volunteers and donations. We appreciate everyone who helps support us throughout the year. We also try to do all of our business within the state with local or statewide merchants. We graciously ask that you shop with these supporters. Please keep up with us on Raise your expectations. FB – south Dakota Country Music Hall of fame or on the web at: www.southdakotacountrymusichalloffame.org 101 W Main St | 605.624.4461 | cortrustbank.com - for contact email: sdcmhof@ southdakotacountrymusichalloffame.org or by phone: Wini @ 605 310 2441 ID 405612 Boston Shoes to Boots Prairie Vill a ge toric H is featuring the Massey Expo of North America hecking. We Mean It.