2 Broadcaster Press September 17, 2019 www.broadcasteronline.com The Cello Dave Says The Partnership, Not The Family, Is The Problem By Daris Howard It was only the third day of the school year, and Stephen came in late to math, the last class of the day. He was huffing and puffing as he lugged in a cello in a case that Renter’s Insurance? was heavier than the cello itself. Dear Dave, “Do you play the cello?” Mr. Davidson, the teacher, We just helped move our son into a cheap, off-campus asked. apartment a few blocks from where he is attending “Yes,” Stephen replied. “I’m sorry I’m late. I hope you college. We signed the agreement, and are paying the won’t mark me tardy. It’s a long way from the orchestra rent, because he makes very good grades. Do you think room, and it’s impossible to hurry with something this renter’s insurance is a smart buy? It’s less than $12 a big.” month, but the minimum coverage I can get is $15,000, “Couldn’t you just leave it in the orchestra room and and he probably has less than $1,000 worth of belongings get it after school?” a girl asked. there. Stephen shook his head. “I normally would, but I have Kevin a cello lesson right after school, and I don’t have time to Dave get back to the orchestra room and make it to the lesson Dear Kevin, on time. So I had to run get it and bring it here so I can I’d get renter’s insurance. My guess is it also comes leave immediately after class is over.” with five or six figures in personal liability coverage, as “Why did you choose to play the cello?” a boy asked well. That’s in case he’s out on the patio with his budDear Dan, “I love the sound of the cello the most of all instrudies, someone slips and falls, and they decide to sue Going into business with family isn’t my big concern ments,” Stephen replied. because daddy’s on the lease. here. I’ve said many times that partnerships are the “It would have been easier to choose something like In a case like this, because there’s so little to start only ships that won’t sail, and I’m a firm believer in that with, it’s not theft or fire taking the contents of the apart- a flute,” the boy said. “You could haul a flute around with philosophy. I would encourage you guys to set up a situano trouble.” tion where one of you is the owner, then figure out a plan ment that you’re worried about. It’s the liability portion The students started teasing Stephen about his choice of the coverage that makes it worth every penny of what where the other guys get paid off the bottom line—as if in instruments and how big it was. Stephen just smiled you’d be paying. That alone makes it worth $10 to $12 a they were owners. Trust me, anything with three heads is month just to make sure a slip-and-fall doesn’t mess with and took the good-natured ribbing. But it seemed to annoy going to end up being a monster at some point. Mr. Davidson. your life! Here’s the thing about family businesses. When eve“All right, everyone,” Mr. Davidson said. “I, too, think —Dave ryone understands their role and has the best interest that the cello is one of the best sounding instruments. In of the company in mind, family businesses can be a lot fact, I like it enough that I am not only going to forgo Stemore fun and more successful than non-family business* Dave Ramsey is America’s trusted voice on money and phen’s tardy, but I am going to give him five extra bonus es. Statistics show the average family business lasts 60 business, and CEO of Ramsey Solutions. He has authored points for the day for his good taste and for his diligence years, while the average publicly-traded company lasts seven best-selling books, including The Total Money Makeoin practicing and taking lessons.” about 15 years. ver. The Dave Ramsey Show is heard by more than 12 million A girl pulled a clarinet from her backpack. “How about So, there’s nothing inherently wrong with the family listeners each week on 575 radio stations and multiple digital bonus points for a clarinet? I practice diligently and take part of the equation. It’s the partnership aspect I’d stay platforms. Follow Dave on Twitter at @DaveRamsey and on lessons, too.” away from. the web at daveramsey.com. “I might consider a few points, but hauling around a —Dave clarinet does not compare in dedication to a cello,” Mr. Davidson said. “I used to play the cello,” Sally said. “Can I get an extra five points, too?” “You used to play it?” Mr. Davidson said. “Why did you stop?” “I quit,” Sally replied. “It was too hard to haul around and practice.” “Quitting just because it was hard should be a negative Huron, SD – The ninth said Jason Edleman with Event Champion winner The 2019 South Dakota five points, not a bonus,” Mr. Davidson said. annual South Dakota SDTEC. “The rodeo was was Reece Ullerich of State Fair ran from Thurs“Did you ever play an instrument, Mr. Davidson?” one Timed Event Championfast-paced with crowds Humbolt, SD with reserve day, August 29, through of the students asked. ship (SDTEC) sponsored overfilling the bleachers cowboy going to Linkyn Monday, September 2. Mr. Davidson nodded. “It just so happens that I love in part by Panhandle Slim both days.” Petersek of Colome, SD. Channel Seeds Preview the cello, as well. When I was your age, I practiced it for an and Double D Western was The area’s elite youth The overall Horse of night was Wednesday, hour every night.” held August 31 and Seprodeo contestants comthe Championship also August 28. This year’s “Do you still play?” Stephen asked excitedly. tember 1 in Huron at the peted in six timed events, went to Reece Ullerich of theme was “There’s No “No,” Mr. Davidson replied. “I must admit that I wasn’t South Dakota State Fair. including tie-down calf Humbolt. Time Like Fair Time.” For the most talented musician, and my family begged me to This year’s event roping, barrel racing, team Other overall winners more information on State stop practicing.” was action-packed with roping, goat tying, breakawere Lan Fuhrer of Belle Fair events, contact the “So you quit, too?” Sally asked with a snicker. contestants from South way roping, and steer Fourche, SD in Breakaway Fair office at 800-529-0900, Mr. Davidson turned to her. “I didn’t quit. It is true, like Dakota, North Dakota, wrestling. Rodeo youth Roping, Cashae McGee of visit www.sdstatefair.com, I said, that my family begged me to stop, but I didn’t quit.” Wyoming, Nebraska, and from across the country, Rhame, ND in Barrel Racor find them on Facebook “So what happened that you don’t play anymore?” Minnesota. “The quality ages 14 – 19, were eligible ing and Goat Tying, Reece or Twitter. Sally asked. of the contestants was to compete for the title. Ullerich in Tie Down Calf Agriculture is a major “When I continued to practice, despite my family’s exceptional this year,” This year’s SD Timed Roping, Linkyn Petersek contributor to South Dapleas, my cello disappeared, and I never saw it again.” in Steer Wrestling, and kota’s economy, generatAnd then Mr. Davidson said in final, “That’s why, lucky Garrett Glines of Chadron, ing $32.5 billion in annual Main Street Center, for you, I teach math and not music.” NE and Tristan Hunter economic activity and Trinity Lutheran Members of Ardmore, SD in Team employing over 132,000 & Thrivent Roping. South Dakotans. The South Roast Beef Dinner The SDTEC continues Dakota Department of Thursday, September 26 to bring in contestants, Agriculture's mission is their families, and fans to to promote, protect, and 5:00 — 6:30 PM Your opinion is something we always want to hear. the State Fair, making it preserve South Dakota Questions? Tickets: Adults: $10 • Child: $5 Call, write us or contact Comments? one of the premier events agriculture for today and Roast Beef, Potatoes, Green Beans, us via e-mail and let us Story Ideas? for spectators at the fair. tomorrow. Visit us online Salad and Dessert know how we are doing. For more information, visit at sdda.sd.gov or find us Served by Trinity Lutheran Members www.sdtimedeventchampi- on Facebook, Instagram, & Main Street Center Staff onships.webs.com or like and Twitter. 201 W. Cherry •Vermillion, SD 57069 SD Timed Event Champi605-624-4429 • classifieds@plaintalk.net onship on Facebook. Dear Dave, My two brothers-in-law and I have been thinking about going into business together as a side project in the real estate world. One of them is an architect and licensed general contractor, one has a successful painting business, and I’m a chief financial officer with a CPA background. Plus, I had a lot of construction experience as a young man. I know you’re not a big fan of business partnerships, but how do you feel about a family business like this? Dan RAMSEY SD Timed Event Champions Crowned At SD State Fair We’re all ears. Morse’s Market E- -FARM FRESH PRODUC HOME GROWN VEGETABLES TOMATOES Southeast CASA Requests Your Presence At The 3rd Annual MELONS Read and Recycle FALL SQUASH Local Honey POTATOES • GARLIC ONIONS • PEPPERS Open 7 days a week • M-F 12 Noon-6:00pm Sat & Sun 10:00am - 5:00pm 3 Blocks South of Cotton Park Soccer Field • 708 S. Dakota St. 605-677-7852 or 605-624-9330 • Mitchel Morse Saturday, September 21st VACANT LOTS AVAILABLE NOW!! Snacks, Cash Bar, Silent Auction, Jackpot Giveaway, Raffles, Dueling Pianos & Red Shoe Contests! 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