2 Broadcaster Press June 25, 2019 www.broadcasteronline.com Dave Says Helping Is Often More Than Just Giving Dear Dave, My husband and I met a young woman through an outreach program at church. She is a single mother with a small child, and recently she asked us for money, so she could buy baby food and diapers. This isn’t the first time she has asked us for money. In the past, she has used money we’ve given her to buy alcohol for herself after telling us it was going to be used for the baby. She truly does need financial help, though. Can you give us some advice on handling this Dave situation? Angela RAMSEY Dear Angela, Financially speaking, her problem sounds as much of a mismanagement of money as it is a lack of money. That, and she seems to have an issue with lying. If you’re determined to help this woman, you can put conditions on your help designed to improve her decision-making abilities and her life. If someone is bold enough to ask for your money, you have every right to attach requirements to the money for their own good. One of two things will happen if you handle it this way. She’ll either graciously accept your conditions and welcome the help, or she’ll get angry and say you have no right interfering in her business. I’ve never had a problem helping people who have good hearts and just need a break. But if someone cops an attitude with me in a situation like this, I wouldn’t be breaking out my wallet anytime soon. If you choose to do this, make the money a gift and not a loan. Concentrate on trying to get her on a path where she’s a little more honest with you and thinks a little straighter. Hopefully, as a result she will start making better choices. Teach her how to create and live off a budget, or help her enroll in a personal finance course, too. Right now, just handing her money is like giving a drunk a drink. This whole situation is a lot bigger than helping someone with baby food and diapers. The answer to that is easy. In this case, however, I’d probably give it to her in the form of a gift card. Some of those don’t allow alcohol purchases. You could avoid that possibility, too, by getting things for the baby yourself and taking them to her. In many cases, truly helping someone is a lot more work than just throwing money at them. Sometimes, you have to get down in their mess, get real with them, and walk with them. —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. Dakota Senior Meals Served at The Main Street Center & Town Square, “Meals on Wheels”. Please call before 9:00am to schedule or cancel a meal at 624-7868. Menus listed below are June 26th – July 2nd. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Wednesday – 1 c Lasagna, 1 c Tossed Salad, French Bread, ½ c Green Beans, ½ c Peaches, 4 oz. Orange Juice Thursday – 3 oz. Pork Loin Roast, ½ c Mashed Potatoes w/Gravy, ½ c California Blend, ½ c Pineapple, 4 oz. Orange Juice Friday – 3 oz. Cod, ½ c Asparagus, ½ c Mashed Potatoes, ½ c Jell-O w/ Fruit, 4 oz. Tomato Juice Monday – 3 oz. Mandarin Orange Chicken, ½ c Parslied Potatoes, ½ c Broccoli, 4 oz. Grape Juice Tuesday – 3 oz. Pork Chop, ½ c Sweet Potatoes, ½ c Creamed Peas, 4 oz. Orange Juice Get your ad in the.. Athlete Spotlight Classifieds Today! CALL 624-4429 ••• FAX 624-2696 ••• EMAIL classifieds@plaintalk.net ••• ONLINE BroadcasterOnline.com ••• DROP BY 201 W. Cherry, Vermillion James Nissen James Nissen is a seventh-grader on the Vermillion soccer team. He said soccer is “fun no matter what, win or lose, but it’s even better when we win.” Nissen has been playing soccer since his parents signed him up for the rec team when he was 5 years old. Nissen’s favorite position to play is forward. He said his team helps him improve because they push him to be better. “It is very valuable to work as a team to succeed,” said Nissen. He also has words of wisdom for other athletes. “Don’t give up on the sport you love,” said Nissen. VERMILLION SUMMER LUNCH MENU The Summer Food Program at Jolley Elementary will be serving lunch Monday through Friday from May 28th to August 9th from 11:00 am to 1:00 pm. This meal is FREE to anyone 18 or younger. For more information call 677-7000. Menu listed below is for June 26 – July 2. Menus are subject to change without notice. Wednesday – Cheeseburger Thursday – Taco in a Bag Friday – Cheese Pizza Monday – Crispy Chicken Sandwich Tuesday – Fresh Baked Combo Sub Celebrating 60 Years! Dennis and Brenda Martens were married on Their 60th anniversary will be celebrated with a family dinner. Greetings may be sent to: June 28th, 1959. 608 Sterling St. Vermillion, SD 57069 Quality products, affordable prices! Call today, start tomorrow! Questionable Business Decisions By Daris Howard Anyone who has had an accident and dealt with insurance may have come to wonder about the policy-making of modern companies. We had an experience with it which left us scratching our heads. The van we wrecked was not damaged too much, but the fender was bent enough that it pressed against the tire. This left the vehicle undrivable. Because of that, we either needed to have the car fixed immediately, or we needed another vehicle to drive. We first approached the body shop to find out how long it would take to get our car fixed. “The fix won’t take too long,” the man at the auto body shop said. “The biggest challenge is getting the part. We can put the part on in just a few hours once we have it. But it usually takes about a week to get it. However, for an extra twenty-five dollars, we can have the part shipped overnight, and we could have the car ready tomorrow.” That sounded reasonable, so Donna, my wife, called our insurance company. She explained to the representative about the van and that we needed something to drive. “That’s not a problem,” the insurance rep said. “You have a rider on your insurance for us to pay for a car while your van is getting fixed.” He then gave Donna the name of a local car dealer that their company worked with. “Just go to them, they will rent a car to you, and we will pay for it,” he said. Donna and I went together in our pickup to the car dealer so one of us could drive the rental car home. We explained our dilemma to the car dealer. He contacted our insurance company and verified we had insurance for a car rental. He then showed us an almost new car. “How much does it cost to rent that?” I asked. “We work out a special deal with the insurance company to be their approved car rental company,” he said. “We provide this rental for only thirty-five dollars per day.” “Thirty-five dollars per day?” I questioned. “But the auto body shop said they could fix the car by tomorrow for only twenty-five dollars extra for shipping. Wouldn’t it just be cheaper for the insurance company to pay the extra shipping?” The car dealer laughed. “Good luck with that.” We weren’t sure why he said that, but we were positive the insurance company would insist we do the thing that would be least expensive for them. We decided we better call them. We went out and sat in our pickup, and Donna called them. Once she had the insurance representative on the line, she explained the situation. When she finished, she said, “So, if you just want to pay for the overnight shipping, we can get our car fixed tomorrow and won’t need to rent a car.” “Hold on,” the insurance rep said. “You haven’t paid for the expedited shipping rider on your insurance. If you want your car fixed faster, you will have to pay the overnight shipping yourself.” “But if you pay for the rental car for a week, it will cost you two hundred and forty-five dollars,” Donna said. “Or you could simply pay the extra shipping, and you would only pay twenty-five dollars.” “The problem as I see it,” the insurance rep said, “is that you are asking us to pay for something which you did not put on your policy. If we end up doing that for you, there is no end to the extra things people will ask for. You can either just take what your insurance covers, or you can pay the extra yourself.” Donna covered the phone and explained the situation to me. “We might as well do the rental car,” I said. “We will get to drive a nice, new car, and we will come out twenty-five dollars ahead.” Donna ended the phone call, and we went back inside the car dealership. The car dealer smiled. “So, are you ready for the car rental?” He apparently PRECISION PAINTING what the insurance knew com•Interior •Exterior pany would say. •Commercial Donna and I filled out •Residential the rental papers, even as Quality Workmanship, we wondered at the logic Reasonable Rates CLINT TUCKER of some business decisions. 624-4621 Since 1983 Happy 80th Birthday Marlene Ackerman July 2, 2019 The family requests a card shower. Greetings may be sent to: 515 Ohio St., #38 Wakonda, SD 57073 15% Turn Yo ur Clutter i nto Cash! Advertise your Garage Sale to thousands of readers! 624-4429 Discount on All Services • Roofing • Siding • Gutters • Decks • Windows You deliver. We deliver. EARN EXTRA CASH! Yankton routes now available. (Enjoy short early morning hours Monday–Saturday) Call Steve or Lexee Your Certified Exterior Experts 605-595-7809 Vermillion, SD • ironcladconstructionsd.com 319 Walnut Street, Yankton, SD • www.yankton.net Call Steve at 605-665-7811