2 Broadcaster Press August 27, 2019 www.broadcasteronline.com Moose Troubles Dave Says A Key Element In Getting Out Of Debt Dear Dave, I’ve got about $3,000 in credit card debt. Would it be a good idea to transfer the balance from my credit card to another one that has a much lower interest rate? Tammi Dear Tammi , Lots of people who find themselves in your shoes make the switch to low-interest rate credit cards. A lower interest rate will Dave help you save a little money in the short-term, but the drawback is it can also make you feel like you’ve addressed your problem with debt when you really haven’t. You’ve got to change the behavior and the mindset that put you in that situation in the first place. Besides, most low-interest, or no-interest, credit card offers are only good for a short period of time. There’s always a catch! I discovered long ago that personal finance is only about 20 percent head knowledge and 80 percent behavior. Emotion is a key element to getting out of debt and staying out of debt. You’ve got to get really mad at debt, the impact it has on your financial life, and attack it with RAMSEY By Daris Howard Our community has a moose problem. This time of year, moose start to move into our yards, eating fruit from our trees and vegetables in our gardens. Oh, they do it the rest of the year, too, but it is most prevalent in the fall. That is why a bunch of the men gathered around before church to share stories. “How about you, Daris?” one of the others asked. “Have you had any problems with moose this year?” “Not as much this year as in the past,” I replied. “I had a mother and a calf come early in the spring. The mother left after busting up my trees. But the yearling she had with her was too sick to follow.” “What did you do about it?” someone asked. “My wife called the Fish and Game Department and asked them to come remove it,” I answered. “We didn’t even want to chase it or anything for fear it would be too much for it.” “Did the Fish and Game Department send someone out?” another person asked. “Yes, the officer came the next morning and asked if she could look around. You wouldn’t believe what she * Dave Ramsey is America’s trusted voice on money and found.” business, and CEO of Ramsey Solutions. He has authored “A whole herd of moose had destroyed your whole orseven best-selling books, including The Total Money Makeochard and garden,” someone joked. ver. The Dave Ramsey Show is heard by more than 12 million “Actually, she found the sick yearling had wandered listeners each week on 575 radio stations and multiple digital into my open shop and died there. The Fish and Game ofplatforms. Follow Dave on Twitter at @DaveRamsey and on ficer said it was completely tick-infested, too.” the web at daveramsey.com. Some of the guys grimaced at the thought of a tick-infested animal dying in my shop. “The Fish and Game people came out the morning after that and drug it out of my shop and carted it away,” I said. “Maybe that is why no more moose have come around your place,” one of the men said. “They don’t want to catch the overabundance of ticks the other moose left you.” Just about that time, Cyrus hobbled in, leaning hard on his cane. He moved slowly toward where we were. blackest of disharmony between kids that had grown One of the men turned to him. “Cyrus, I understand up together as family and who will never speak to each you have had some moose problems recently?” other again. “I sure have,” Cyrus replied. “There is one big bull I have seen widows and widowers remarry and find moose that thinks he owns my property. He has eaten aljoy once again after the sad death of a spouse, only to have children selfishly scrambling for the spoils of the in- most every apple on every apple tree I own.” “Have you done anything about it?” another man asked. heritance, leaving someone in the equation without their “Well, I decided I had had enough. So I got out my pelfair share. Truly there is nothing more heart-breaking let gun, thinking I would give him a sting without causing than to see such destructive behavior among family any permanent damage. I thought that would be sufficient members. to drive him away and at least leave me a few apples for But this does not always happen. In fact, more often myself.” than not, the death bed of a parent brings some great “Did the pellet gun work?” someone asked. moments of joy. One family I remember in particular, Cyrus shook his head. “It only made him mad. I fired surrounded their dying mother with harmonious hymns a few rounds, and he started to move away, so I followed. in that hospital room as they had the family reunion that hadn’t occurred in many years. Families most often But then, he changed his mind and turned and chased come together around a dying parent or sibling joyously me.” “You’re still here, so you must have beat him to the sharing of family memories while supporting and loving house,” someone said. the one leaving. “Did I ever,” Cyrus replied. “If I had run like that in my Our son found a way to let go of the loss and anger college days, I would have set a world record.” following the robbery and moved on to new equipment Cyrus then turned and hobbled slowly into the chapel. and even better creativity. We all stared after him. It isn’t the material stuff in front of us, it is the family Then Samuel said, “And thus we see, that even a moose beside us, and the love between us. can be the source of a miracle.” a vengeance. Think about how many times debt has been a negative influence on your life. My guess is there were many occasions in the past when you could have done great stuff—I’m talking about meaningful, important things—if you hadn’t had to send a bunch of money to those bozos at the credit card company every month. I want you to really think about it. How about this? First, cut up your credit card and close the account. Then, sell some stuff and take a parttime job nights or weekends for just a little while. You could wipe out all your debt in less than a year by doing that and starting to live on a strict, written, monthly budget. If you don’t get mad about it and take a stand against debt, and become determined you’re never going to fall into that trap again, you’re liable to find yourself back in the same situation or worse! —Dave The Value of Family Love By Richard P. Holm, MD I appreciate how the old prayer goes, “Bless the food before us, the family beside us, and the love between us...” A few years back, our youngest son, had a break-in at his home and they took his computer with all his pictures as well as his original created songs. They also got away with my old film-dependent camera with a bunch of undeveloped pictures my son had taken. He decried that it wasn’t the loss of the computer or the camera, it was the loss of memories and ideas contained within. He was dismayed that he dreamt he caught the thieves breaking into his house and in his dream, he choked them and hit them with a baseball bat. It brought back the memory of advice one of my patients gave me one day, “If you want to destroy your enemy, make them hate.” I know how self-destructive hate can be. In that sense, the thieves got my son twice, once for the robbery and once for the deep anger they instilled in his heart. Maybe once a year I watch a family self-destruct as children of a dying parent return from afar to criticize the choices that the local family had made, often demanding more aggressive care when the parent is at the end and it is time to let go. I have seen lawyers at the bedside of a borderlinecompetent patient working a change in the will, giving more land to one child than another, resulting in the If you don’t get the word out about your business, no one else will!!! Richard P. Holm, MD is author of “Life’s Final Season, A Guide for Aging and Dying with Grace” available on Amazon. For free and easy access to the entire Prairie Doc® library, visit www.prairiedoc.org and follow Prairie Doc® on Facebook featuring On Call with the Prairie Doc® a medical Q&A show streaming on Facebook and broadcast on SDPTV most Thursdays at 7 p.m. central. CRWS Manager Greg Merrigan Set To Retire Clay Rural Water System invites all customers and friends of Manager Greg Merrigan to attend a retirement reception in his honor on Wednesday, Aug. 28 from 2 to 4:30 p.m. at the Clay Rural Water System office. After 37 years as the Clay Rural Water Smoke Free System manager, Greg GREG MERRIGAN • Rent adjusted to income • Large 2 & 3 bedroom w/AC is retiring and turning • O? street parking • Large closets - one walk-in over the reins to Steven and the Southern Union • On-site coin laundry • Playground equipment Muilenburg of Alpena. System have both • Just Blocks from Campus, High School & Prentis Park Merrigan was hired as benefitted from his manager of the rural 1200 E. Clark Street • Vermillion, SD Save $30 on a on May 17, AC leadership. Summer Tune-Up! water system Please join the board 1982 and has overseen and staff on Aug. 28 to many changes and rd wish him a fond farewell expansion and we’ll Just give us a callprojects and thank Greg for his through the years. The A Living History Sewing Museum & Farm at the... out a qualified System years of service. send Clay Rural Water OAKWOOD APARTMENTS 605.624.9557 3 Annual Open House Farmers’ Daughters’ Sewing Museum Service Technician like Tyler, to make sure your AC unit is ready for those hot summer South Dakota days and save $30!* Tyler Reiser Service Technician Historical Maps Displayed In Cultural Heritage Center PIERRE, S.D. – A map display in the Education Room of the Cultural Heritage Center in Pierre highlights various examples of maps held in the collections of the South Dakota State Historical SocietyArchives. The 11 framed map copies are a selection from almost 700 maps recently added online to the South Dakota Digital Archives. The State Historical Society-Archives received grant funding from the Deadwood Historic Preservation Commission to digitize and catalog various maps in the State Archives collections. 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Call for full details. of the vintage machines • View the vintage tractors, vehicles and machinery 70 years as a Premier Lennox® Dealer 98 years in the Business 400 years of Heating and Cooling Experience 31417 Bluff Road, Vermillion = Southeast South Dakota’s #1 Choice! from the 1960s. A few map titles found in the Education Room display include: Hydrographical Basin of the Upper Mississippi (1843), Minnesota and Dakotah (1860), Geological Map of the Black Hills (1876), Aberdeen, Dakota Territory (1888), Map of Sioux Indian Reservation Showing the Diminished Reservations and Ceded Lands (1890), and Good Roads Everywhere (1916). “The digitized maps add to the growing online database of historical content available at the South Dakota Digital Archives, including land survey records, manuscripts, government records, and more than 68,000 photographs,” said Chelle Somsen, state archivist. Visit the State Archives website at history.sd.gov/archives and click the “Digital Collections” link for more information. Public access to the free map display in the Education Room may be limited by meetings or events previously scheduled. Call ahead at 605-7733458 to access the display. Get your ad in the.. Classifieds Today! Yankton Vermillion Sioux City 605.665.4348 605.624.5618 712.252.2000 kalinsindoor.com CALL: 624-4429 or FAX: 624-2696 EMAIL: classifieds@plaintalk.net ONLINE: BroadcasterOnline.com DROP BY: 201 W. Cherry, Vermillion