4 Broadcaster Press 1820 August 21, 2018 www.broadcasteronline.com Give Aways Dave Says Free: Matching furniture set includes beige loveseat, oversized arm chair, footstool, five beige pillows, good condition. Call 605-665-8719. Communicate and Work Together Dear Dave, My wife and I are not on the same page when it comes to money and our two teenage daughters. I think they should be learning the value of work and money, but she doesn’t want them to work. She regularly hands them spending money and buys them expensive gifts. I want our girls to have some nice things, but this is starting to cause problems in our relationship. Do you have any advice? Get an iPhone 8 or Samsung Galaxy8 for $34/month. Call AT&T Wireless today to learn how to get a new phone. 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J O B Check out the employment ads in the bp Since 1934 Broadcaster Press 201 W Cherry, Vermillion 605-624-4429 fall grazing PREMIUM covER cRoP HYGAin GrAzinG BlenD ? ? ? ? Excellent summer & fall pasture Excellent soil builder Economical with minimal inputs Diverse mix of turnips, radish, millets, sudangrass, rape, annual ryegrass, clover, lentils Impress Them! Dear Dave, I just graduated from college recently. Is it a waste of time to apply for a job if you have a degree in the proper field, but no real work experience? Daniel Dear Daniel, Absolutely not! The only sure-fire way to ensure you’ll miss Stan out on a job is by not applying for the position. Send a copy of your resumé to every job opportunity for Dear Stan, which you have a reasonable chance of being hired. Then, Kids should learn to work and make money at an early when you get an interview, go in there with your head held age. We’ve given nice gifts to our kids, but the difference is they also worked and made money for themselves. The gifts high. Be articulate, enthusiastic, and carry yourself with purpose. Use your style, intelligence, education, and confidence we gave them were for special occasions. Showering our kids with money and expensive toys all the time was not our to sell yourself and your ability to jump in, learn quickly, and get the job done. way of life. I’ve met lots of people who say they have 20 years of experiIn this situation, your wife is allowing them to be nothence. But in a lot of cases it’s more like one year of experiing but consumers. I know she loves them, but they’re not ence 20 times. That kind of “experience” is useless. I’ve also learning how to work, and they’re not learning how to save met many sharp, educated people without experience, but or give. This is setting them up for a lifetime of unrealistic expectations. If something doesn’t happen to change things, you can tell they’re the kind who will put their minds to work, think outside the box, and figure out a way to get the job you’re going to end up with two spoiled little girls, who done with excellence. think they should be given everything their entire lives. As an employer, if I’ve got a choice between the two, that’s Still, I think the biggest problem is you and your wife are the one I want on my team! experiencing a communication and marital breakdown. If — Dave the kids weren’t in the picture, I’ve got a feeling the same problems would exist. The difference is they would manifest themselves in other ways. * Dave Ramsey is America’s trusted voice on money and busiObviously, your wife needs to stop being so impulsive ness, and CEO of Ramsey Solutions. He has authored seven where the kids are concerned. Try sitting down with her, and gently explaining your feelings. Let your wife know you best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners love her and how generous she is, but you’re worried this each week on 575 radio stations and multiple digital platforms. is having a negative impact on your children. Maybe you could try to establish some guidelines as to when really nice Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. gifts are appropriate, too. There’s a middle ground you can Dave Ramsey BROOKINGS, S.D. South Dakotans who have dedicated time to support 4-H Shooting Sports will be inducted into the 4-H Shooting Sports Hall of Fame September 2 during the 2018 South Dakota State Fair held in Huron August 30-September 3. The 2018 4-H Hall of Fame inductees include: Larry Kerr, Hyde County; Harlan Hilleson, Marshall County; Tim & Tammy Withers, Hughes/Stanley County; Don & Nina Fromm, Hughes/Stanley County and Kathryn Reeves, Pennington county. The ceremony will be held in the Nordby Exhibit Hall on the State Fair Grounds in Huron (1060 3rd St. SW, Huron) at 5 p.m. Everyone is welcome to attend the ceremony. "The 4-H Shooting Sports Hall of Fame was created to recognize those individuals who helped now. Also, mentally lay the groundwork for the prepare for a larger program in South Dakota. balance on your one The first class was some loan. Two $20,000 of the founding members loans would consoliof the original committee," date into one $40,000 said John Keimig, SDSU loan. Extension youth safety 4. Take an extra field specialist and South Job or work overtime Dakota 4-h shooting coorI know, I know. If dinator. you’re working a fullSince the original time job, the thought committee members were of working even more recognized, subsequent hours might wear you honorees have been indiout. But remember, viduals who have helped to this is just temporary. grow and continue the 4-H The faster you get these loans paid off, the faster you can return to a sense of shooting sports program. The 2018 class will be normalcy in your life. the third class recognized. Moving forward, I want you to focus as much as possible on getting rid of those loans. All the money you send Members of this class have been instrumental in to Sallie Mae every month is money that could be going toward building your future — emergency savings, a down the BB gun and Archery disciplines in South Dakota payment on a house, and retirement. Shooting Sports. We are Don’t let student loans hang around any longer. Be intentional, make a plan, and knock them out as quickly as also recognizing the past 4-H shooting sports propossible! gram coordinator, Kathryn Reeves. Her leadership About Rachel Cruze helped the program make As a #1 New York Times best-selling author and seasoned communicator, Rachel Cruze helps people learn the tremendous strides and achieve continued growth. proper ways to handle money and stay out of debt. She’s authored three best-selling books, including Love Your Life, Not Theirs and Smart Money Smart Kids, which she co-wrote with her father, Dave Ramsey. You can follow Cruze on Twitter and Instagram at @RachelCruze and online at www.rachelcruze.com, youtube.com/rachelcruze or facebook.com/rachelramseycruze. 4 Ways to Pay Off Your Student Loans Quickly By Rachel Cruze Fishing for a new reach, but it’s going to take some time and effort. Most of all, it means the two of you are going to have to communicate and work together for the good of your kids. — Dave If you’re between the ages of 25 and 35, chances are you have student loans you’re still paying off. That’s just the sad reality of my generation. As soon as we graduate from college, most of us have Sallie Mae hunting us down for her monthly payments. If you’re in that situation, I want you to do this one thing: Pay off those debts as quickly as possible! Here are some practical ways to get those student loans off your back as fast as you can: 1. Make (and stick to) a budget Yes, a budget! If you have no idea where your money is going every month, then it’s impossible to make sure you’re putting that hard-earned cash toward things that matter — like getting out of debt. With a monthly budget, you should be making sure your basic needs are taken care of — food, housing, utilities, transportation — and then paying off as much debt as possible. The budget will help you see how much you can put toward that debt. 2. Pay your smallest debts first If student loans are your only debts, then get moving on them. But if you have other debts like credit cards or a car payment, list all your payments on paper, including the student loans, and pay them off from smallest to largest. By paying off the smaller ones first, you’ll get a couple of quick wins that will help you stay motivated. 3. Consolidate your debts This is the only time I will ever tell you to use debt consolidation. A few guidelines: Make sure you consolidate into an interest rate that’s lower than the one you have Labor Day Early Deadlines • AUTOMOTIVE COLLISION REPAIR • PAINT • FRAMEWORK • GLASS REPLACEMENT ASK ABOUT FREE SHIPPING! Call TODAY for best bid proDucing quality SEED at fair pricES SincE 1963 Will be closed on Monday, September 3rd for the Labor Day holiday. Dakota’s Best seeD 605-337-3318 DakotasBestSeed.com 36656 SD Hwy 44 ? 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