2 Broadcaster Press August 23, 2016 www.broadcasteronline.com Dave Says Don’t Mess With Mom Mother is elderly; does she need long-term care insurance? Dear Dave, I’m trying to help my elderly mom with her finances. She has no debt and more than $1 million in assets. There was also another $500,000 trust left for her by my dad. With access to all this, does she still need long-term health insurance? Anonymous By Daris Howard What is a money market account? Dear Dave, What exactly is a money market account? Julie Dear Julie, Money markets are short-term financial instruments. Money market accounts pay about the same, maybe a little bit more, than traditional savings accounts. If you get a money market account with a bank, you’ve basically got a savings account that mirrors — or pays about the same — as the actual money markets. Now, if you get a money market account with a mutual fund company, you’re actually buying into the money markets. The big difference is that the mutual fund companies are a lot more flexible, and they don’t have FDIC (Federal Deposit Insurance Corporation) insurance. I have my emergency fund parked in a mutual fund company money market account, and the great thing is that it’s fully liquid — meaning there are no penalties to take cash out at any time. It’s a perfect place to keep an emergency fund! —Dave Dear Anonymous, Absolutely! She also needs an estate planDave ner immediately. Your parents were far too wise with their money to have your mom end up in a bad situation toward the end of her life. You need to do everything you can to prevent this from happening. In the event she’s unable to take care of herself, long-term care health coverage to take care of nursing home or in-home care is an absolute necessity. The cost of nursing home care can run from $75,000 to $100,000 a year. Your mom is in great shape financially. But just imagine what a prolonged nursing home stay could do to her nest egg. It’s not a pretty thought. When you hit 60, you need long-term care insurance, period. Whether you have $1 million-plus in the bank or not, I strongly * Dave Ramsey is America’s trusted voice on money and busirecommend it as a wise part of any asset management plan. ness, and CEO of Ramsey Solutions. He has authored seven best— Dave selling books. The Dave Ramsey Show is heard by more than 11 RAMSEY 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. South Dakota Couple Enlist, Graduate BCT Together Story and photo by Stephen Standifird My Guidon - Fort Leonard Wood Public Affairs Office FORT LEONARD WOOD, Mo. -- When married science teachers from Spearfish started their summer vacation, they didn't anticipate their trip would bring them both to Fort Leonard Wood. Spcs. Josh and Leslie Wangeman left Spearfish to join the United States Army National Guard, and only expected they would complete Basic Combat Training at the same time, but not the same place. "We didn't know we were going to ship to the same post, let alone the same company," Josh said. "This definitely wasn't planned at all. We were just hoping to walk out the front door at the same time and walk back in at the same time following graduation." When they both ended up at Fort Leonard Wood at the 43rd Adjutant General Battalion and then with Company D, 3rd Battalion, 10th Infantry Regiment, they were surprised. As were their drill sergeants. Having a married couple in the ranks is something Staff Sgt. Jonathon Weischedel, 3rd Don’s Dust Control Spcs. Josh and Leslie Wangeman platoon drill sergeant, said he has never seen before. "When we picked up the privates from the 43rd, we were told we had a married couple. I have never heard of that happening before," he said. Regardless, the Wangeman's and the drill sergeants made the most of the situation. The Wangeman's both joined the Army for the benefits it could bring to their lives, Josh said. Leslie added that it was a way to give back. "Being science teachers in our community, we wanted • Horse Arenas • Private Drives • Unpaved Roads • Elevator Access • Free Estimates 605-491-2133 to set a good example for our students and our community that is very supportive of the troops. So we figured it was a good time to step up and be a good role model for our students," Leslie said. "Also the travel opportunities and the different adventures we could have through the Army were something we were curious about." It didn't hurt that the Army matches their lifestyle and provided an opportunity for them both to be a part of the South Dakota National Guard Biathlon Team. "We had a friend in the CELEBRATION Men’s & Women’s Sandal Sale Boston Shoes to Boots 312 W. 3rd Yankton • 665-9092 National Guard who told us to look into it and thought it would be a really good fit in our lives and our personalities and help us grow as people as well," Leslie said. "We were both excited for the adventure and the challenge and looking to each get different things out of this experience." Wanting a different experience played well in to how the drill sergeants treated the married couple during training. "I was concerned it was going to be a distraction and how it would affect the training environment here," said Sgt. 1st Class Daniel Anderson, 3rd platoon senior Mary was proud of her son, David. He was nineteen and at that time in life when most young men would be working to earn money, buy cars, and date girls. But he chose to serve as a missionary to South America. He was going to be working in some areas of great poverty and would be helping the people learn to take care of themselves and better their circumstances. But Mary also worried about David. There had been hurricanes and other natural disasters where he was going, and there were disease and food shortages. Living conditions there would be hard. As she hugged him goodbye, she promised to send him packages to encourage him and help him remember her love. David hadn’t even been gone a day before Mary mailed off the first “care package.” She packed it with cookies and letters of encouragement. The next week she mailed a package and a letter later in the week so David would get them at different times. She also emailed him on the one day each week he had email access. That became the norm from then on. But when she received emails back from David, it didn’t take long for Mary to realize that her letters were arriving, but the packages were not. And David said the letters were even arriving opened. Mary contemplated what she could do. She contacted those who were in charge of the missionary efforts there, and she found that once a month there was a flight going down, and she could send her packages on it. That was discouraging to Mary. She had hoped to send a package every week for her son, and extra ones for special occasions. When she heard that a big storm was coming in to the area where David was working, she decided she couldn’t wait for the flight and had to try again. She packaged up a box that included warm clothes. But she did something that she hoped would help. In big letters on the warm red sweater that she sent, she appliqued David’s name in blazing white letters. It would be impossible to miss. She hoped that would deter the thief. The storm hit, and she hoped and prayed her son got his package, but in the next email she was upset to find out the package had never arrived. At least, it hadn’t arrived to David. He said that the postmaster was wearing a beautiful red sweater with the name “David” as big as life on it. It obviously meant nothing to the postmaster, who knew no English. Mary was furious. She was determined to do something, especially when David wrote that the postmaster, because of his position in the town, made more money than anyone else. That made her maddest of all. David had given up other things he wanted to do in life to help people living in poverty, and the one man in the town who needed it least was stealing David’s packages. She thought for a long time and finally hit on a plan that she felt might at least give a little justice. She once more created a special package and mailed it to David. And when she finally received an email from David asking about something he had seen, she knew her plan had worked. David’s email simply said, “Mom, the postmaster thought he was popular because all of the American tourists wanted selfies with him to post online. He thought it was because of the new, beautiful clothes he was wearing. He didn’t realize the words on them said things like ‘I stole this from a missionary’ and ‘I’m a thief.’ It has created quite a stir. I can’t imagine where he might have gotten clothes like that. :)” But David’s next line was the best. He simply said, “Maybe he’ll learn it isn’t good to mess with a mother’s love.” drill sergeant. "Having his wife here, watching her go through basic training and knowing that you can't really communicate, I was kind of concerned about that." However, both drill sergeants were surprised at how well the couple handled themselves during training. "We separated them as much as possible," Weischedel said. "They weren't Soldiers who tried to gravitate toward each other, because they had a relationship outside of the Army. If we didn't know from the beginning they were married, you would've never known." "Turned out to not to be a real issue, because they are Gubbels salvaGe Wanted: • Old Cars • Farm Machinery • Irrigation Systems • Any Type of Scrap Iron • Grain Bin Removal Paying Top Dollar Will Pick Up Towing Service & Roll-Off Dumpsters Available 1-402-640-6335 Coleridge, NE Bob & Sheila Everhart & the Pioneer Ag Expo Present the THE HEART & VASCULAR SCREENS Screening saves lives 41st 10 BIG STAGES National Old-Time Music AWARD RV CAMPING SHOWS Festival Country; Bluegrass; Ragtime; Blues; Folk; Traditional; Mountain; Cowboy; Gospel; Western Swing; Rural; Classic Country Plymouth County Fairgrounds LeMars, IA Special Invited Guests Get Screened at Sanford Vermillion The Heart Screen™: For ages 40-75. The Vascular Screen: For those 40 or older. Type 1 diabetics should be screened at age 30 or older. 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Learn more about our screenings at sanfordhealth.org, keyword: screenings. 0180027-00212 7/16 Arts & Crafts OVER 450 PERFORMERS ON 10 STAGES Tipi Village Featuring Top Midwest Performers Dances The Kenastions - Jay Kelly - Dale Eichor - Mark Jenkins Jamming Bob & Sheila Everhart - T J Casey - Jacob Austin Band Storm Seymour - Clarence Heyden - Emma Heyen Contests Dennis Perry - Betty Rydell - Dwayne Reed Family Great Food Janine Sherry - Francis Hahn - Angie Senger For More Information: Bob Everhart Phone: 712-762-4363 bobeverhart@yahoo.com both mature, and they understand what's going on," Anderson added. Although they made it seem easy, both Josh and Leslie had their struggles. "We got to talk sometimes, but I don't know if it made it easier," Josh said. "If anything, I think seeing the other person probably emotionally made it more difficult." "We just made sure that we toed the line even more and held ourselves to the standards even more, because we didn't want to give any of our drill sergeants any reason to doubt that we were doing anything wrong," Leslie added. "If anything, it pushed me harder so I knew that he would hear that I was doing well." Josh did hear his wife was doing well, especially after she scored higher than him on the Army Physical Fitness Test. "We would try to pin them against each other. Tell the male that the female did more pushups than him on the PT test, or that she ran faster than him," Weischedel said. "We didn't try to cause any tension, but there was definitely competition." Both Josh and Leslie stood out to their drill sergeants as mature, natural leaders and both served in leadership positions throughout training. "I've been here for more than a year, and I have never had a private work as hard to prove herself as she has. She's the best private I've ever had," Weischedel said. "She always went above and beyond the standard in everything she did to make sure she was the best; and she was the best." Josh was awarded a platoon leadership award because he stood out among his platoon and Leslie was awarded the Commanding General's Award of Excellence for being the top Soldier in the company. Leslie was also recognized for having the highest PT score in the company. "Both of them have a bright future in front of them," Anderson said. Following graduation from BCT Thursday, the Wangemans returned to Spearfish to resume preparations for the upcoming school year. Both Josh and Leslie will also begin the process to commission as officers through the South Dakota National Guard Officer Candidate School in January. Have a Great Day