Broadcaster Press 5 September 27, 2016 www.broadcasteronline.com Dave Says Sold Dave Three Timeshares? Newlyweds Buy House First Year? Dear Dave, My wife and I recently sat through a timeshare pitch at my mom and dad’s community as a favor to them. We’re trying to get out of debt and take control of our money, so when the Dear Dave, salesman said we could put the whole Why do you recommend that newlyweds not buy a house during thing on a credit card, I told him about the first year of marriage? you and your plan. He then said that Laura he used to be your personal financial advisor and had sold you three time- Dear Laura, shares in the past. Is this true, or are Believe it or not, the first year of marriage is pretty tough. You’ll both have to make lots of adjustments and get used to the new timeshares a bad idea? schedules and habits, likes and dislikes, that go along with marJeremy riage. You need to spend that first year getting to know each other Dave even better, and exploring and developing your relationship as Dear Jeremy, A timeshare salesman said he had been husband and wife. Running out and buying stuff like curtains and my personal financial advisor? Wow! It furniture — or making major life decisions like buying a house — takes real guts, and a bunch of dishonest can wait. Devote the first year to deeper, more important things. In the nerve, to spread that kind of crap around. process, make sure you’re on the same page emotionally and fiNo, I’ve never in my life owned a timeshare. I’ve made just about every financial mistake known to man, except that one. I’ve also nancially. Develop a plan to make your hopes and dreams come never made the mistake of having a timeshare salesman as my true, and start piling up a bunch of cash for the future. Then, a financial advisor. This sounds like the kind of guy who you know year or two down the road, you can start the house-hunting process. There will still be great homes at good prices, plus you’ll is lying if his lips are moving! I’m really sorry if your mom and dad already hooked up with both have a better idea of what you want for the future! this bunch. Timeshares, even with honest salespeople, are just —Dave straight-up stupid. Never buy a timeshare! The customer dissatisfaction rate with those things is sky-high, and you’re pretty much * Dave Ramsey is America’s trusted voice on money and busistuck once you buy one. They’re almost impossible to sell, be- ness, and CEO of Ramsey Solutions. He has authored seven bestselling books. The Dave Ramsey Show is heard by more than 12 cause you don’t really own anything. For the money you spend to buy a timeshare, you could take sev- million listeners each week on 575 radio stations and multiple eral nice vacations and stay in some pretty decent places. People digital platforms. Follow Dave on Twitter at @DaveRamsey and get suckered in to these things all the time, Jeremy, but it’s a really on the web at daveramsey.com. bad idea. Don’t do it! —Dave Ramsey Gov. Dennis Daugaard, eight others honored with SDAHO Distinguished Service Award Gov. Dennis Daugaard was honored with a Distinguished Service Award, State Official on Wednesday, Sept. 21, during the South Dakota Association of Healthcare Organizations (SDAHO) 90th Annual Convention in Sioux Falls. Daugaard, elected as South Dakota’s 32nd governor in 2010, has championed many urgent needs for South Dakotans, including workforce shortages, promoting programs to help the disabled, addressing infrastructure needs, teacher pay and reforming the criminal justice system. He is continuing in his efforts to expand Medicaid to the working poor by utilizing dollars that South Dakota has paid to the federal government for decades. South Dakota’s plan is the envy of many states across the union, as it would add more than $57 million to our state’s general fund while expanding our Medicaid program. Daugaard also worked for the Children’s Home Society from 1990 to 2009, and his priorities as a state senator were helping children and the disabled as well as reducing crime. Daugaard was one of nine people to receive SDAHO Distinguished Service Awards. The others are: Distinguished Service Award, Trustee – Dennis Wollman, Freeman Regional Health Services: Dennis Wollman, who recently retired after serving 34 years on the Freeman Regional Health Services Board of Directors (all but one as chairman), has been instrumental in guiding and facilitating many changes at the facility. Wollman has helped the system consolidate the hospital and the local medical clinics with locations in Freeman, Marion, Menno and Bridgewater, build independent living apartments, physically connect the hospital and clinic, constructed two Alzheimer’s units at the nursing home and guided the hospital in becoming a critical access facility. Most recently, heled the system to adopt electronic medical records for the hospital and nursing home. Wollman has provided capable leadership over the years, though his humility prompts him to credit the entire board of directors for leading the facility in a positive direction. Distinguished Service Award, Media Personality – Jodi Schwan, Argus Leader: Jodi Schwan, audience analyst for the Argus Leader and editor of the Sioux Falls Business Journal, is a respected journalist who keeps her finger on the pulse of what’s happening in all aspects of the Sioux Falls business community, including the health care industry. Schwan has written on several issues that help people understand local health care. Being in a city that’s home to two major health systems, Jodi handles health care news in a fair and balanced manner and she always remains supportive of growth and innovation. Distinguished Service Award, State Legislator – Sen. Deb Peters, R-Hartford: State Sen. Deb Peters, a CPA who has represented District 9 for the past 12 years, is a doctor’s daughter who understands the challenges of health care and has worked tirelessly to promote patient-centered public policy. She grew up attending the family practice medical meetings with her family. Deb harbors an intimate appreciation for the doctor-patient relationship, having managed the books for her father's small town medical practice for 10 years. Her recent legislative efforts include a bill requiring health insurance parity for certain cancer drugs and a bill to revise the anti-competitive "any willing provider" statute pressed into law by Initiated Measure 17. She has supported health care workforce legislation in rural communities and Gov. Dennis Daugaard’s plan to expand access to care through Medicaid expansion for South Dakota’s working poor. Distinguished Service Award, Health Care Professional – Mary Schwaegerl, RN, Brookings Health System: Mary Schwaegerl, who has worked in obstetrics at Brookings Health System for 34 years and has served as OB director since October 2009, has led patient-centered change in maternity care practices and advocated for positive breastfeeding policies within her community and state. Schwaegerl’s first priorities include patient safety; evidencebased practices that result in the best health outcomes and birth experience for mothers and babies. Her modest nature and servant leadership style gives the credit for the positive outcomes to the nurses and physicians who provide care, but the positive outcomes would not be possible without Schwaegerl’s leadership and foresight. Distinguished Service Award, Health Care Hero – Kerri Lutjens, RN, Avera St. Benedict Hospital, Parkston: Kerri Lutjens, a registered nurse at Avera St. Benedict Health Center in Parkston, has shown exemplary dedication and leadership in an outreach program that brings the basics of such healthier lifestyles as healthy eating, immunizations and preventing the spread of sickness to eight Hutterite colonies surrounding Parkston. Avera St. Benedict made the decision to deliver regular medical care to the Hutterite colonies, and Lutjens was a natural for the outreach assignment because she was known and trusted by many residents from earlier work she did on the colonies. She logs an average of 2,100 miles a month making her rounds to the colonies, all within a 60mile radius of Parkston. Once a month at each colony, she is accompanied by a certified physician assistant specializing in family medicine, who conducts pediatric and adult exams, makes diagnoses and writes prescriptions. Distinguished Service Award, Health Care Hero – Shirley Redmond, public affairs officer, Sioux Falls VA Health Care System: Shirley Redmond, the Sioux Falls VA Health Care System’s public affairs officer since 2005, has the innate ability to empathize with veterans and their families, and she works tirelessly to ensure all veterans are treated with dignity and respect. She approaches her work in an extremely organized fashion and never forgets to follow up on even the routine or trivial details. She has served admirably as coach and mentor to numerous rising leaders across the system and excels at developing relationships by readily sharing her knowledge and experiences related to planning, organizing, staffing, training and leadership. Redmond has served as the Native American Veteran Activities Coordinator and liaison to Native American Veterans, and she chairs the VA blood donor program for Sioux Falls Area Community Blood Bank. Distinguished Service Award, Young Professional – Erica Knippling, Brookings Health System: Erica Knippling, clinical informatics specialist for Brookings Health System, is responsible for the design, implementation, protection and continuing successful operation of computer, information and interfaced technologies. Knippling determines user requirements and performs system analysis, design, programming, testing, implementation and problem resolution with our electronic medical records system, and she also serves on the HIPAA Compliance Team. Knippling has been a member of the South Dakota Chapter of Healthcare Information and Management Systems Society (SDHIMSS) for the past four years, serving the chapter’s board as program director from 2014 to 2016 before becoming the organization’s president elect. Distinguished Service Award, Post-Acute Care Champion – Cindy Senger, Avera@Home: Cindy Senger, vice president of innovation for Avera@ Home, has more than 27 years of leadership experience in the hospital and education fields and has been visionary in thinking of new ways to deliver home- and community-based services. She has helped lead the charge to develop the business model of Avera@Home to bring Avera home health and hospice agencies under one leader and enterprise to strengthen services and expand service areas. Senger has been instrumental in knowing industry best practices and has helped Avera implement real-time INR testing. She has the ability to look at the greater picture and has focused on collaboration and teamwork to bring hospice and home services into people’s minds. Weekly Column: Don't Wait By Rep. Kristi Noem Mary Ellen Dirksen grew up in what most people would consider a pretty typical Midwest family. Her close-knit family of four looked picture perfect from the outside – and for the most part, it looked just as perfect from the inside. But a little more than a decade ago, Mary Ellen’s big brother – a handsome, intelligent guy who loved basketball and hot fudge sundaes – died by suicide. South Dakota has one of the nation’s highest suicide rates, and in recent years, the state has seen the number of attempted suicides increase considerably. As one of the state’s leading causes of death, most families or communities, to one extent or another, have felt the blow of suicide. Despite knowing how far reaching suicide is, we too often lean heavily on narrow stereotypes to determine the type of people most likely to be impacted by mental illnesses. But mental illness and suicidal thoughts can afflict anyone, which is one of the reasons I sponsored legislation designating September as National Suicide Prevention Awareness Month. In her book, “The Swing Set,” which describes the grief and healing she experienced after her brother’s death, Mary Ellen explains: “I had known [my brother] wasn’t dressing well, that he looked unshaven, that he was irritable and that this was causing turmoil in our family. I had known he wasn’t leaving the house, that he didn’t take interest in life like he used to, and that his worldview had become pessimistic. But I had never really known anyone who suffered from depression, actual depression, especially not someone handsome and capable like my brother.” The National Alliance on Mental Illness adds to the list of characteristics Mary Ellen saw in her brother, pointing to increased alcohol and drug use; talking, writing, or thinking about death; and impulsive or reckless behavior as other warning signs. While anyone can be impacted, I also recognize that in recent years some communities have been affected more than others. I’ll never forget sitting across the table last fall as a young tribal member told me they had lost all hope. Suicide had taken their sibling as well as more than one of their friends – all before their high school graduation. This individual too had thought about it. Within weeks of that meeting, we had new provisions in a mental health bill that’s now passed the House directing more resources into tribal suicide prevention programs. It’s an epidemic that needs to end. The same is true within veteran communities. Nearly two dozen Americans lose their life to suicide daily. More resources have been dedicated in this area as well and we continue to invest in learning more about the relationship between military service, post-traumatic stress disorder (PTSD), traumatic brain injuries, and suicide. But none of it is being done fast enough. “I wish I had known how difficult it is to live with depression and that a person can’t simply ‘snap out Classifieds… ElBroadcaster of it,’” wrote Mary len, who now helps other families struggling with depression and grief in Sioux FallsROCK-SOLID we can’t walk someand beyond. While RESULTS! one else’s journey, we 201 W. Cherry, Vermillion, SD • 605-624-4429 can help each other navigate through – and that’s all a person can ask. If you or a loved one is experiencing any of the warning signs, please use this as your motivation to get help. If it is an emergency, dial 911 immediately. 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