2 Broadcaster Press April 24, 2018 www.broadcasteronline.com Dave Says By Daris Howard Laptop Dilemma Dear Dave, My husband and I are just starting Baby Step 1 of your plan. Prior to this, we told my two nephews we would buy them laptop computers for college. They don’t get a lot of encouragement or support from their immediate family, so we try to help them when we can. Should we go ahead and honor this commitment, postpone getting our starter emergency fund in place, and possibly take on a little more debt, or bow out of the agreement? Lisa Tiny Home Depreciation? Dear Dave, Do you think the value of a “tiny home” would depreciate like a trailer? Romeo Dear Romeo, That’s a tough one. I’m not certain they would depreciate like a trailer, but I don’t think they would go up in value much, either. Anytime there’s a very limited demand for something, the price or value doesn’t generally increase. And there are very few people looking to buy tiny homes. The tiny home movement is kind of a niche thing. It’s a very narrow market, and something that doesn’t Dave have a lot of demand isn’t going to appreciate. I would avoid the tiny house movement if I were you, Romeo. Dear Lisa, Don’t invest in things that don’t have proven track records and Well, it’s difficult to be generous when don’t go up in value. I love real estate, but not tiny real estate! you’re broke. You don’t even have $1,000 to your names, and — Dave you’re going to buy two laptops? I don’t know how much debt you have, or what your household income is, but I do know neither of you have managed your money very well in the past. * Dave Ramsey is America’s trusted voice on money and busiIf you make $50,000 a year, and you have $70,000 in debt, you ness, and CEO of Ramsey Solutions. He has authored seven bestshould sincerely and apologetically bow out. Explain that you selling books, including The Total Money Makeover. The Dave made a big mistake, and just be honest about why you can’t pro- Ramsey Show is heard by more than 12 million listeners each vide the laptops. If you make $200,000 a year, but you’ve just been incredibly silly and lazy with your money, you should buy the lap- week on 575 radio stations and multiple digital platforms. Follow tops and then get serious about growing up and getting control of Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. your finances. Don’t make promises, financial or otherwise, you can’t keep. I know this is a tough, embarrassing situation, but it’s what I would do if I were in your shoes. — Dave RAMSEY Absentee Voting Begins April 20 For South Dakota Primary Election Save $30 on a Summer AC Tune-Up! PIERRE, SD – Absentee voting will begin for registered voters in South Dakota on Friday, April 20, 46 days prior Just give us a call and we’ll to the primary election to be held on Tuesday, June 5, send out a qualified 2018. A Health Record Ann’s daughter, Sheila, was getting married, and there were a million things to do before the wedding. There was a wedding cake to order, catering to set up, and lots of bridesmaid dresses to sew. The list went on and on, and there was only a week left to do it. So when Sheila approached her one morning with a simple request, it was almost overwhelming. “Mom,” Sheila said, “I need to go to the doctor for a premarital exam. Dennis needs the car, so could you take me when you go to town?’ Ann looked at the sewing pile and sighed. The problem with doctor appointments is they are never predictable. A person might get right in, and they might be an hour or more—time that Ann didn’t have. “I’ll tell you what,” Ann said, “I’ll take you to the doctor’s office and drop you off. I’ll run all of my errands, and then I’ll come back. Hopefully you will be done with your checkup, and I can just come in and pay the bill.” Sheila thought that was a good idea, so after breakfast they both headed to town. Ann dropped Sheila off and then went to the catering store. She also picked up some more fabric and ordered the cake. She was gone long enough that she was sure Sheila would be done with her appointment. But when Ann walked into the doctor’s office, she found Sheila was waiting for her. “Mom, I’m glad you’re here. I haven’t had my appointment yet because I’m supposed to fill out this paperwork first, and I don’t know all of the answers. I’ve filled out the stuff about me, but I need some family information.” Ann looked at the papers that Sheila had and saw that there were about five pages. Sheila had done the first two, but the others were still blank. “Has anyone in our family had any allergic reactions to painkillers?” Sheila asked. Ann sighed as she took a seat and answered Sheila’s question. Sheila marked the answer and then asked another question and then another. It took almost ten minutes to finish one page, and there were still a couple of pages to go. Ann could feel her tension level rising as she thought about all of the things she had to do. Then suddenly, she had an interesting thought. Ann got up and walked to the receptionist station. “Can you tell me what all of these questions on this form are for?” “Sure,” the receptionist replied. “They are to help with genetic issues when she has children. It will make it possible for us to help her with any family medical traits she has and will pass on to her children.” “This is just a big waste of time,” Ann said in frustration. “You need to just do the checkup and forget all of this.” The receptionist didn’t seem to like that. “We have our rules,” she said, “and everyone has to fill out the family history for the premarital checkup. Why do you think you should be exempt from having to do it?” “Because she’s adopted and it’s useless to her,” Ann said. Sheila was quickly ushered back for her checkup. “Sorry, Mom,” Sheila said sheepishly. “I didn’t even think about that.” Ann smiled and felt her heart calm and her tension lift slightly as she hugged her daughter. “It’s okay, and it’s actually a good thing. You have been our little girl for so long, it is like you have always been our daughter. And I needed to be reminded that you are more important than dresses or cakes or anything else.” If a voter does not have a photo ID, they must be given the option to sign a personal identification affidavit and vote a regular ballot. Voters wishing to vote absentee by mail must fill out an absentee ballot application and have their signature Service Technician like Registered voters can vote in person at their County notarized or provide a copy of their photo identificaTyler, to make sure your Auditor’s office by bringing a photo Identification Card tion. Voters must mail or turn this application into their County Auditor’s office. The deadline to submit an absenAC unit(ID)readyas: those is such for • a South Dakota driver's license or nondriver identifi- tee ballot application is Monday, June 4 at 5 PM. hot summer South Dakota cation card, To register to vote, fill out the voter registration form Tyler Reiser days and save $30!* or an identification card issued by an • a passport and mail or turn it in to your County Auditor. Your Voter Service Technician agency of the United States government, Registration form must be received by the auditor 15 13 years experience • a tribal identification card; or days before any election if you wish to vote in that elec• a current student identification card issued by a tion. high school or an accredited institution of higher educaThe Democrat primary election is open to registered tion, including a university, college, or technical school, Democrats and registered Independents or those with No located within the State of South Dakota. Party Affiliation. Republicans have a closed primary and only registered Republicans will be able to parWhen You Want Comfort… You Want Kalins! ticipate in that primary election. All registered Vermillion: 605-624-5618 voters in South Dakota *Rebate offer only available to Vermillion Light & Power customers. including those registered Call for full details. as Libertarian, Constitu69 years as a Premier Lennox® Dealer tion and Other will be 96 years in the Business eligible for a ballot during RAPID CITY, S.D. - South Dakota Game, Fish and Parks the 2018 primary elec400 years of Heating and Cooling Experience Yankton Vermillion Sioux City tion due to Constitutional (GFP), in conjunction with South Dakota State University, = Your #1 Choice in Vermillion! 605.665.4348 605.624.5618 712.252.2000 Amendment Y creating is tagging walleyes in Angostura, Belle Fourche and Shadehill reservoirs this April. kalinsindoor.com a Non-Political ballot The project aims to estimate population size, mortalstatewide. ity and exploitation of walleye populations in these important fisheries, as well as evaluate the current fishing regulations on these waters. Similar to recent projects on Oahe and Sharpe reservoirs, walleye will be tagged with jaw tags. Anglers are asked to report tagged walleye either online at tags. sd.gov. Anglers catching a tagged walleye do not have to harvest the fish or remove the tag. Simply record the number and report it. A number of the tags will be worth Do you know a teacher who is dedicated, inspiring, and making a difference? $100 dollars. When You Want Comfort...You Want Kalins GFP Crews Tagging Walleyes In Western Reservoirs Buy Local! Shop the Classifieds! The classroom teacher is the backbone of the American educational system. Teachers have a great impact on the education of a child and creates the primary positive learning and instructional environment. If you know of a teacher in the Vermillion School District that is deserving of recognition, please nominate this individual for the Teacher of the Year Award. 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