2 Broadcaster Press Dave Says September 3, 2019 www.broadcasteronline.com A Blessing in Disguise Test His Resolve By Daris Howard This time of year, as students head back to school, my mind often turns to football. I loved sports, but due to the amount of work on the farm, my father had a rule that we could only be in one sport each year. My brothers and I traded turns being in sports and doing the chores. But since I was one of the youngest in the family, during my sophomore year I had no one to do the chores while I was in wrestling. That meant I had to do the chores anyway. When one of the coaches asked me to come out for football my junior year, my father decided he’d let me as long as I kept good grades and still did the chores. “But there is one problem,” he said. “We might not always have anything available for you to drive for the practices. Your brother has first option to use the old car for college.” The car issue wouldn’t be too much of a problem once school started and practice was after school. But football practice started weeks ahead of the first day of class. I talked to my brother about letting me use the car, but he Dear Bryce, wasn’t keen on the idea, even when he wasn’t using it. * Dave Ramsey is America’s trusted voice on money and The first thing I’d advise telling him is that you and his business, and CEO of Ramsey Solutions. He has authored I considered driving the hay truck or a tractor the four mom aren’t going to whip out the checkbook, and make seven best-selling books, including The Total Money Makeomiles to town, but I was sure my teammates would tease ver. The Dave Ramsey Show is heard by more than 12 million me. Then one evening, after hauling hay all day, I rode my his problems disappear. That may sound harsh, but he listeners each week on 575 radio stations and multiple digital bicycle to the usual swimming hole to meet my friends, had a really good thing going until he messed it up by platforms. Follow Dave on Twitter at @DaveRamsey and on acting impulsively and irresponsibly with his finances. and I realized I did have transportation if I wanted it. the web at daveramsey.com. Nope, I wouldn’t take care of it for him—not at his age. When the first day of football practice came, I left early and rode my bike. Practice the first weeks was called the inferno. I had not experienced it before. And when practice was over, even though I was in better shape than most of my teammates, I could still hardly drag myself to the locker room. The thought of riding my bike the four miles home about killed me. When my teammates saw my transportation, they laughed and wished me luck as they PIERRE, S.D. – Governor Kristi ration request is $3 million covering Ziebach as well as the Cheyenne climbed into their cars. Noem has requested two additional, six counties and two reservations. River and Rosebud Indian ReservaBy the time I got home, my mind was reeling with the separate Presidential Disaster DecIn her letters to President Trump, tions. feeling of unfairness that I didn’t have a car to drive. But larations to help local government Noem wrote that an “overall largeCounties part of the second rewhen I raised the issue with my father, he simply said, “If entities and certain private non-prof- scale pattern” from the end of April quest are Butte, Gregory, Kingsbury, you truly want to be good in sports, having to bike to and its recover from property damage into June 2019 for one declaration Lawrence, Meade, and Tripp as well from practice will just make you that much better.” sustained during severe weather this and the other from June 30 to July as the Cheyenne River and Lower The next day, I could hardly get out of bed, but my musspring and summer. 21, 2019 had included heavy snow Brule Indian Reservations. cles eventually loosened up. By the time I rode to practice, These requests are in addition and rains, flooding, tornadoes, Noem noted the severe weather I felt better. But by the time practice was over, I was even to the disaster declaration that and burdens on local government impacted all parts of the state more tired than I had been the previous day. This went on was approved June 7 by President infrastructure such as highways, including agriculture, transportafor a few days, and I even considered dropping out of footTrump. That declaration covered dams, and local energy systems. The tion, mail delivery and commerce. ball. Then things began to change. I found the soreness both public property and individual Governor wrote that many areas The governor said the impacts of easing up, and riding home was getting easier. I started damage that occurred during spring statewide have dealt with multiple the various storms will be felt for a pushing myself harder on the ride home and soon was ridsnowstorms and flooding between storms. long time and federal assistance is ing it in around fifteen minutes, about a fourth of what it March 13 and April 26. Work on that “South Dakota has been battered needed. took the first night after practice when I had to stop and disaster declaration continues with by storm after storm that continue “This event, coupled with the rest. I also found I was recovering faster. at least $43 million in damages being to further erode our valuable public previous disaster declaration, cripIn practice, I wasn’t the best player, but the longer the identified. infrastructure,” Noem wrote in one pled the economics in the state and practices went, the more I dominated in my area. I had Both new requests are for FEMA letter. continues to cripple it for our agribeen forced by my wrestling coach to run an extra couple assistance to help with repairs for The disaster request, which noted culture community,” Noem wrote. of miles after everyone else quit, and I experienced the damage done to public infrastrucapproximately $8 million in prelimi“The impact of this event will be felt advantage that gave me. Now, this bike riding had forced ture. One declaration request states nary assessed damage, includes the in these communities well into the me to do something similar for football. that a preliminary damage assesscounties of Aurora, Bennett, Brule, future.” When the first game came, I played offense the whole ment indicated approximately $8 Butte, Campbell, Custer, Deuel, Fall South Dakota currently has seven game. And toward the end of the game, as everyone was million in damage to public infraRiver, Gregory, Haakon, Hamlin, Han- open Presidential disaster declaragetting tired, the coach also put me in to play defense. structure in 25 counties and on two son, Jackson, Jones, Lyman, Meade, tions for other events and is working By the third game, I played offense the whole game, and I reservations. The preliminary damMellette, Pennington, Sanborn, Todd, with FEMA on the recovery process played defense most of the game. The coach then added age assessment in the second declaTripp, Turner, Union, Walworth, and for each of those disasters. me to special teams, and from then on I was seldom off of the field during the rest of the season. One day, after a tough fought game, Coach pulled me aside. “Howard, I want to know something. I want to know how you can keep going at the pace you do?” I smiled as I replied. “I’ve learned that doing just a litPierre, S.D. - The South committed to protecting raised through this raffle the weapon and season in tle more, after everyone else is done, especially when you Dakota Game, Fish and and enhancing habitat so will help create and imwhich they will use their think you have nothing left, pays big dividends.” Parks Department (GFP) the next generation can prove hunting opportunitag. That was when I really realized how grateful I was that announced the winners of have the same outdoor op- ties. Thank you to all who The raffle raised I didn’t have a car to drive to practice like everyone else. their first Hunt for Habitat portunities we’ve enjoyed participated." $320,990 to improve raffle. for the last 100 years. It is The raffle offered four habitat in South Dakota The Hunt for Habitat exciting to see folks step prizes: to help all animals thrive raffle is part of Governor up to support habitat A Trophy Custer State – that means everything Kristi Noem's Second through the Hunt for Habi- Park Bison license, which from butterflies and other Century Initiative, which tat raffle,” said Governor was a separate drawing pollinators to deer, elk, works to ensure the next Noem. “Advancing habitat and open to resident and pheasants and everything generation has an opin South Dakota touches nonresidents. in between. portunity to enjoy South every aspect of life in our Three "triple tag" winThe money raised PIERRE, S.D. - The South Dakota Senior Health Dakota’s outdoor heritage. state – from the outdoor ners will receive an antewill be used to improve Information and Insurance Education (SHIINE) “As South Dakota’s activities we enjoy to the lope, deer, and elk license. habitat on both public and program is advising the public to be suspicious of Sportsman in Chief, I’m honey we eat. The funds Nonresidents were eligible private lands, along with to win one of the three improving access to public anyone who is offering “free genetic” tests and then “triple tag” prizes. hunting areas across South requesting the individual’s Medicare number. “Beneficiaries should be on alert for “free” proWinners may use their Dakota. From now thru September come grams that give representatives the opportunity to licenses in either the 2019 The Custer Trophy help stitch hats and scarves for or 2020 season. Each Buffalo tag goes to Sheryl potentially steal an individual’s medical identity and falsely bill Medicare,” said SHIINE Director Caitlin our local elementary schools. winner will also choose Leland of Mitchell, South Christensen. Dakota. Bring in a hat and/or These tests can also be referred to as DNA screenThe three “triple tag” scarf and get 10% OFF winners will each receive a ings, cancer screenings and hereditary testing. your purchase through SHIINE recommends that Medicare beneficiaries tag for an antelope, a deer, September 30, 2019 consult with their primary physician prior to takPRECISION PAINTING and an elk. Those winners ing part in any of these test offerings, promoted as are: Visit eweknitit.com for details! •Interior •Exterior Save $30 on a Summer AC“free”. Tune-Up! • Meyers Delaney of •Commercial If any fraudulent activity is suspected, please re•Yarns • Books • Needles • Hooks Jacksonville, Florida •Residential port it to the South Dakota Attorney General’s Office, • Travis Haan of Rapid 909 Broadway, Tripp Park Plaza Quality Workmanship, Division of Consumer Protection at 1-800-300-1986 or City, South Dakota 605-689-3999 Reasonable Rates Just give us Keith Hagenwe’ll • a call and of Mitch- by emailing them at consumerhelp@state.sd.us. Open: Mon.-Fri. 10am-6pm CLINT TUCKER For more information, please visit www.shiine.net. ell, qualified Sat. 10am-5pm send out aSouth Dakota Dear Dave, Our son is 27, and he has a good job making $55,000 a year. Recently, we learned he financed an expensive car he’s now upside down on. In addition, he has accumulated over $15,000 in credit card debt. He lives in a small town, and only pays $650 a month in rent, but he is asking for money. We taught him about living on a budget and staying out of debt when he was younger, and now it seems he Dave didn’t listen very well. How do you think we should handle this situation? Bryce RAMSEY This young man needs to have some skin in the game. I’d tell him to sell the fancy car, and get something way cheaper to drive for a while. I’m talking about a little beater in the $2,000 to $3,000 range. It sounds like he’ll have to get a small loan to cover the difference, but a little car debt is better than a lot of car debt. I’d also advise him to pick up a part-time job nights or weekends until he gets that credit card debt paid off. In other words, let him wallow in it and worry about things for a while. Then, if he’s willing to accept responsibility for his actions, and starts handling money more wisely, you two might help out every so often with a little extra cash on the payments. But I’d test his resolve first. 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