2 Broadcaster Press Dave Says February 26, 2019 www.broadcasteronline.com Insurance and Savings Dear Dave, I just realized our insurance has a health savings account (HSA) option. We’ve considered dropping this insurance soon and going to a cheaper Christian medical sharing program. We’ve got about $19,000 in debt between credit cards and a car payment, and we’re on Baby Step 2 of your plan. Our thought was to fund the HSA for a period Dave of time as a means of saving, cancel that policy, then go over to a medical sharing program we found that costs $600 a month less. After that, we would start paying down debt again. What do you think? Amy the savings component. I would only do the insurance component, or I’d do the medical sharing program. I’m not sure why you’d need to jump back and forth it you’re going to permanently move to a medical sharing program. I get the idea of saving money, but what you’re talking about isn’t something I’d recommend for someone who’s in debt. I wouldn’t fund a savings account of several thousand dollars only for medical when you’re not even on Baby Step 3, which is saving an emergency fund of three to six months of expenses. That money needs to be used to pay off debt first. It’s not the end of the world if you don’t fund the HSA portion of your current insurance plan. If you went with a medical sharing program, and just saved up a large emergency fund, the only thing you’d really lose out on is the tax deduction associated with an HSA. Good question! —Dave Dear Amy, There are two components to an HSA, the insurance component and the savings component. You don’t have to participate in the savings component. The insurance component is simply a large deductible, 100 percent coverage after the deductible, cheaper-premium health insurance plan. If I were in Baby Step 2, I would not do * 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. RAMSEY State Historical Society Makes More Issues Of Historical Newspapers Available Online PIERRE, S.D. – Several more South Dakota newspaper titles have been added to the growing online database of historical United States newspapers available to the public, according to the South Dakota State Historical Society. New titles recently added include: the Union County Courier of Elk Point, 1877-1913; the Madison Daily Leader, 1890-1922; the Newell Reclamation News, 1915-1917; the Bad River News, 1906-1912; Philip Weekly Review, 1907-1912; Philip Weekly Review and Bad River News, 1912-1918; The Pioneer, 1917-1919; Philip Weekly Review 1918-1920; The Pioneer-Review, 1920-1922; The Oglala Light of Pine Ridge, 1905-1920; the Sturgis Advertiser, 1887-1891; the Dewey County Advocate of Timber Lake, 1910-1913; The Charles Mix New Era, 1905-1911; If The New Era-Leader, 1911-1912; and The Wagner Leader, 1912. “These titles join others that are already available on the Chronicling America website,” said state archivist Chelle Somsen. “We now have 53 titles online.” To view these newspapers, visit the Chronicling America Website: http://chroniclingamerica.loc.gov/ne wspapers/?state=South+Dakotað nicity=&language. In 2016 the State Historical Society-Archives received a two-year $240,000 grant from the National Endowment for the Humanities to digitize historical newspapers. The project is part of Chronicling America, a Library of Congress initiative to develop an online database of select historical newspapers from around the United States. South Dakota Cattlemen’s Foundation Accepting Applications For Scholarship Program Members of the South You Read This... Dakota Cattlemen’s Foundation invite students You Know Save $30 on a Summer ACthroughout South Dakota Tune-Up! Advertising to apply for their scholarPays! ship program. Just give us a call and we’ll Call the send out Broadcaster at a qualified 605-624-4429 Service Technician like or sure by Tyler, to make stopyour to place your ad AC unit is ready for those today! hot summer South Dakota days and save $30!* 201 West Cherry St Vermillion, SD 624-4429 As part of the grant, the State Historical Society-Archives has digitized approximately 100 rolls of microfilmed newspapers pre-dating 1922 to be included in this collection. This was the second grant the State Archives has received to participate in this project. This recent addition completes the titles that were selected for the grant that began in 2016. A third grant began in September 2018, and another 100 rolls of microfilmed historical newspapers will be added in the next two years, Somsen said. For more information, contact the State Historical Society-Archives at 605-773-3804 or visit www.history.sd.gov/archives. State Archives hours are 9 a.m.-4:30 p.m. CST Monday-Friday and the first Saturday of most months. In 2016, a scholarship program was established by the South Dakota Cattlemen’s Foundation. The South Dakota Cattlemen's Foundation was formed to support the long-term viability of the South Dakota beef Industry by promoting theReiser Tyler nutritional benefits of beef consumption and Service Technician value of modern produc13 years experience tion. This scholarship aims to identify and reward students who are interested in the improvement of beef production and promotion. Scholarships of $5,000, $4,000, $3,000, $2,000 and $1,000 will be awarded to five students from South Dakota enrolled in any post-secondary institution in South Dakota. The online scholarship application can be found at sdcattlemensfoundation. com/scholarship Deadline to apply is Monday, April 1, 2019. The South Dakota Cattlemen’s Foundation joined forces with Feeding South Dakota in May 2013 to create a signature event, Prime Time Gala & Concert, that raises critical funds for their mission by providing more beef to food insecure families throughout the When You Want Comfort...You Want Kalins When You Want Comfort… You Want Kalins! Vermillion: 605-624-5618 *Rebate offer only available to Vermillion Light & Power customers. Call for full details. 70 years as a Premier Lennox® Dealer 98 years in the Business 400 years of Heating and Cooling Experience = Southeast South Dakota’s #1 Choice! Yankton Vermillion Sioux City 605.665.4348 605.624.5618 712.252.2000 kalinsindoor.com state. Funds also raised from the Prime Time Gala & Concert support the scholarship program that provides $15,000 in funding to students throughout South Dakota. Since hosting the first event in June 2014, the South Dakota Cattlemen’s Foundation has raised over $966,110 for Feeding South Dakota. The South Dakota Cattlemen’s Foundation will host its sixth annual Prime Time Gala & Concert on Saturday, June 22, 2019 at the Sioux Falls Convention Center with a country music concert to follow at the Denny Sanford PREMIER Center. Vehicular Break-in By Daris Howard It had been a long day of work, and it was late and dark on a winter evening, when I left my office. When I got to my little pickup, I found it covered with snow and ice. I unlocked it and started it so it would warm up while I scraped the windows. I chipped away the snow and ice, then stepped back to the pickup door, only to find it locked. I realized that I was in a real predicament. My pickup was running, I had locked my keys, including my office keys inside, and my colleagues were all gone, so I couldn’t ask them for help. And this was before the days of cell phones, so I didn’t have anything with which to call home. I thought about walking around campus to try to find some place from which I could call my wife, but I knew there weren’t any public phones, and there was not likely anyone still at work. I also realized that if I did call my wife, she would have to come out on this dark, cold night and travel the twenty miles to come to my rescue. As I pondered my options, I saw the small back window into the cab and remembered that I had opened it the previous night. I check and happily found that it was still unlocked. I climbed into the back of the pickup and pushed the window open. It was less than a foot on each side, wider than it was high, but I thought I could reach through it and pull the keys from the ignition. I stuck my arm through, but the pickup was an extended cab, and my hand was nowhere near the keys. I pushed my head through with my arm, and still my reach was more than a foot from the keys. To have any chance of reaching them, I had to get through to at least my waist. I took off my coat and set it on the side of the truck, shivering in the below zero temperature. I then stuck both arms through the window, which left little room for my head. By laying my head flat between my arms, I was barely able to get it through into the pickup. By wiggling and squirming, I was able to get my shoulders through, but that was as far as I could go. I could not get my midsection through the window. I was far enough in that the keys dangled at my fingertips, but I might as well have been a mile away. I could push in no further, and I knew trying was futile. It was time to give up on this plan. I started to back out, but then my clothes hooked on the edge of the window. I tried to tuck them around me, but it was to no avail. No matter how I tried, I could not get out of the window. The cab was overly warm, and my top half was sweating even as my lower half was freezing. I struggled for around fifteen minutes to no avail, and I thought I was going to be stuck there until one of my colleagues found me the next morning. I thought it couldn’t get any worse. At least that’s what I thought until I saw the blue and red flashing lights pull up behind me. A flashlight suddenly blinded me through the window. “All right,” a voice commanded, “come out with your hands up!” “If I could come out, don’t you think I would have already?” I asked. Another flashlight shown in from the other side. Then a smart-alecky voice spoke in a horrible English accent. “Holmes, I do say. I think he’s stuck.” I almost said, “Great deduction, genius,” but I refrained. Eventually, they used a flat piece of metal to unlock the door. With one on the inside and one on the outside, they helped me get free. But then came the questions. They had received a report of someone trying to steal a pickup. What was I doing trying to break into it? I told my story, and the fact it was locked and running was evidence in my favor. Eventually, they let me get the pickup registration and show them my I.D. Just before they left, one officer said, “You should realize you’re too. . .” He paused, then continued, “uh, big, to get through that window.” “Go ahead and say, it,” I said. “The word is fat.” He struggled to keep a straight face. “I didn’t say that.” Then he and his partner laughed as they headed to their patrol car. He didn’t have to say it. I already knew. First Dakota Scholarship Applications Available First Dakota National Bank announces the 20192020 First Dakota Scholarship applications are available. First Dakota understands the importance of higher education. We support our communities and the youth within them. First Dakota is proud to offer scholarships ranging from $1,000 - $5,000 up to a total of $25,000. There are many reasons why you should apply for the First Dakota Scholarship: • The cost of college or technical school tuition and housing is more than it used to be. • The First Dakota scholarship is money you March 5th, 2019 don’t have to pay back! 7:00 p.m. • First Dakota is making an investment in you at Burbank School to help pay your educaElection of new people for clerk, officers, etc. tional expenses. Please Attend All applicants must have a First Dakota Angela Jackson, Clerk Checking account to qualify. Applications need to be postmarked by March 12, 2019. Contact any First Dakota location for Earn as much as $400+ this month an application or down& $120 this week load at FirstDakota.com/ scholarship. First Dakota was founded in 1872 and holds the first bank charter issued in all of Dakota Territory. It has 19 fullservice banking locations in 14 South Dakota cities. It also has six loan production offices throughout South Dakota and Nebraska. Fairview Township Annual Meeting