Broadcaster Press 3 October 3, 2017 www.broadcasteronline.com Looking on the Heart By Daris Howard Victor was in trouble again. It seemed that everywhere he went, he was in trouble. Part of the problem was he had been in six high schools in three years. It was hard for him to make friends. He would just start making some, and then his family would move again. Victor had decided it wasn’t worth trying. So he grew his hair long, he dressed like he was homeless, and he walked around with an air of, “I don’t care what anyone else thinks.” When he would walk into the principal’s office, or a counselor’s office, or into any office, they immediately felt he was guilty because he looked guilty. Now he was at a new school, and he was sure things wouldn’t be any different. He had broken some rules and was sent to the principal’s office. The principal grew exasperated with Victor’s attitude and sent him to the counselor’s office. When Victor knocked on the counseling office door, a man’s voice called for him to come in. Victor sighed and opened the door. The man rose from his chair and came around the desk. The man extended his hand. “I’m Rich. You must be Victor.” The kind tone of Rich’s voice took Victor off guard. It was nonjudgmental. Victor slowly took the extended hand. Rich grasped Victor’s hand tightly and shook it heartily. “I’m glad you came to see me,” Rich said. “I know you’re new here, and I’ve been wanting to talk to you to see how it’s going. It’s nice of you to take the imitative on your own so I didn’t have to find you.” Victor smiled. Rich made it sound like kindness on Victor’s part that he was there. Victor knew that Rich had to have been informed why he came to the counseling office; otherwise, how would he know who Victor was when he walked in? Victor was especially amazed that Rich treated him like a best friend, not like a student who dressed rebelliously. “So how is it going?” Rich asked. “All right, I suppose,” Victor replied. “You suppose?” Rich asked. “You don’t appy Ads H know? When do you think you’ll know?” Rich laughed, and Victor laughed with him. “I guess that did sound kind of funny, didn’t it?” Victor said. Victor felt comfortable, and he didn’t feel judged for his appearance, so he found himself opening up and talking all about the moves and the lack of friends. He talked for quite a while, then ended with, “I guess I won’t make any friends here, either.” “You know what I think?” Rich said. “I think from what you’ve told me that you’re going about it backward.” “In what way?” Victor asked. “It seems to me that you try to make friends, and then you try to like what they do. I think you need to decide what you like, do that, and make friends who enjoy the same activities. So what do you like?” Victor thought for a moment, then he said, “I like art. But most people think it’s stupid.” “I don’t,” Rich said. “I admire anyone who can paint because I can’t. And you’re in Dave Says Where Do I Put the Money? Dear Dave, I have a savings account for my two-year old that has $5,000 in it, and about half of that is in gold. I’m going to save for his college separately, and give this to him to help start his life after school. Is there a better place to put this other than a traditional savings account? Laura Dear Laura, First of all, you should not invest in gold. Gold is a very volatile, very dangerous investment. I don’t have a Dave dime invested in gold, and I would strongly suggest that you not invest in it, either. If you take a look at the life-long track record on gold it will scare you to death. For the time being, you can leave it all in a traditional savings account. But if he’s not going to use it for many, many years you could move it into a conservative mutual fund. In fact, you started when he was at such young age, a nice, conservative mutual fund might be a really good idea. When he gets a little older, he can start adding to it himself from the money he makes from odd jobs and chores and such. After 15 years or so, thanks to your foresight and his contributions, he’ll probably wind up with a pretty nice chunk of cash. Good job, mom! — Dave RAMSEY Share your special birthdays, anniversaries, and announcements with the world with a happy ad in the Broadcaster Press or Vermillion Plaintalk. We can help you say thank you, invite people to events or request card showers. Our professional graphic designers will create a personalized ad that will make you smile. Call 624-4429 luck, because we have an art club.” Rich got Victor involved in the art club, and soon Victor had lots of friends. As the years went by, Victor’s newfound friends became lifelong friends, and whenever Victor ran into Rich, Rich wanted to know how Victor’s life was going. When Victor became a famous artist and had his work displayed in a national gallery, he came back especially to tell Rich. “You didn’t judge me when you saw me,” Victor told him. “You believed in me. I’d like you to be my guest at the art exhibit.” “I’d love to,” Rich said, “but there is one thing you should know. I’m blind.” Victor gasped. “Really?” Rich nodded. “God took away my sight and replaced it with the blessing of being able to see the goodness of a person’s heart instead.” Victor smiled, realizing that was exactly what Rich had done for him. Debt Snowball Reasoning Dear Michael, Lots of people think paying off the debt with highest interest rate first is the best approach. This seems to make sense mathematically, but I realized a long time ago if those people could do math they wouldn’t be drowning in debt. Debt is not a mathematical problem, it’s a behavior problem. Personal finance is 80 percent behavior, and only 20 percent head knowledge. The reason the debt snowball pays off debt from smallest to largest — even though it may be mathematically incorrect — is that modifying your behavior and inspiring you to get out of debt is more important than the math. Your probability of becoming wealthy has a lot more to do with your behavior than any sort of financial sophistication or academic degree. When you pay off a small debt you experience success, and that gives you hope. Then, you move on the next largest debt. When you pay that one off — and you’ve wiped out two debts — it energizes you. At that point, you really start to believe in yourself and the fact that you’re on the road to becoming debt-free! — Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Mark’s Machinery Dear Dave, Why do you recommend paying off debts from smallest to largest when doing the debt snowball? Michael AXIAL FLOW COMBINES AND HEADS IN STOCK Bergen Lutheran Church Pancakes & Sausage Dinner will be taking a break – Dinners will resume in January. Sunday January 21st proceeds will be for National Youth Gathering Participants Veterans affairs attempting WWii Census The South Dakota Dept. of Veterans Affairs is attempting to obtain a census of living World War II veterans in each county and reservation in South Dakota. The Clay County Veterans Service Office is asking the public to call in the name of any living WWII veteran that resides within Clay County. The phone number to the Clay County Veterans Service Office is 605-677-7145. 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