2 Broadcaster Press October 8, 2019 www.broadcasteronline.com Not Liking Dogs Dave Says Here’s Why Dear Dave, I’ve heard lots of different theories and recommendations when it comes to paying off debt. Why do you advise paying off debts from smallest to largest? Marlee Dear Marlee, A lot of people wonder the same thing when I bring up the debt snowball. Some think paying off the debt with highest interest rate Dave first is the best approach. This may seem to make sense mathematically, but I realized a long time ago debt is not a mathematics problem—it’s a behavior problem. Personal finance is 80 percent behavior, and only 20 percent head knowledge. Besides, if all those people were so great at math, they wouldn’t be up to their eyeballs in debt in the first place! The reason the debt snowball pays off debt from smallest to largest is that modifying your behavior and providing inspiration to get out of debt is more important than the math. Your probability of becoming wealthy is more closely connected to your behavior than your financial “sophistication” or academic pedigree. When you pay off a small debt you experience success, and that gives you hope. Then, you move on the next debt. When you pay that one off, and you’ve wiped out two debts, it really energizes you. At that point you start to get excited, and you begin to believe in yourself and in the fact you’re actually on the road to becoming debt-free! —Dave RAMSEY BroadcasterOnline.com “Get Connected!” By Daris Howard It’s Not Easy Money Dear Dave, I’m 35, and I’ve always wanted to own rental property. I think I’ve found a deal that would work for me. I want to take $20,000 out of my thrift savings account to use as a down payment on the property. I could rent the place for $1,400 a month, and my loan payment would be $1,100 a month. What do you think about this idea? Nathan Dear Nathan, I love real estate, so I understand the allure. But what you’re telling me is you want to cash out part of your retirement, get hit with a penalty and take on debt, to buy an investment property. I wouldn’t do it. I’ve got a feeling you’ve never been a landlord before. Bringing in $1,400 and paying out $1,100 may seem like a good place to be, but you haven’t figured all the risk into your equation. Rental properties just sit there empty sometimes. Other times you have renters who don’t pay, repairs, and people who just tear up things. In other words, you won’t be able to count on an easy $300 in your pocket every month. Like I said, I totally get your fascination with real estate. But my advice is to save up, and pay cash for one decent rental property to see if this game is really for you. —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. State Of South Dakota Recognizes USD Medical School VERMILLION, S.D. – The University of South Dakota Sanford School of Medicine has been awarded the Governor’s 2019 Outstanding Employer Award by the State of South Dakota. This annual award recognizes exceptional hiring and employment practices by businesses and institutions in South Dakota regarding people with disabilities. The medical school was recognized in the government/education/ non-profit category. In the nomination and award, the medical school was commended for providing flexible work and leave schedules, opportunities for office furniture and equipment modifications, handicapped accessible facilities and professional development activities. It was also noted that within the medical school is the Center for Disabilities, a statewide organization providing training, clinical services, research and advocacy for people with disabilities and their families. The award will be presented by South Dakota Governor Kristi Noem at an event held in the Capitol Rotunda in Pierre on Nov. 4, 2019 at 10 a.m. A reception will follow. ABOUT THE SANFORD SCHOOL OF MEDICINE USD's Sanford School of Medicine is nationally known for excellence. With its award-winning curriculum, the school prepares medical students to practice in all fields of medicine and is particularly recognized and ranked for its reputation in family medicine and rural medicine. In addition to the M.D., it offers graduate degrees in basic biomedical science, sustains a vibrant and forward-looking research agenda, and is home to the interdisciplinary Center for Brain and Behavioral Research. Marilyn didn’t like dogs, and no one seemed to know why. Her children really wanted a dog, but she always said no. The children went to their dad and begged for a dog, so he approached his wife about it. Even he couldn’t convince her that all children needed a dog. “Why do you hate dogs so much?” he asked. “When I was a teenager, my brother owned a Great Dane,” she said. “He was always wandering off and causing problems.” “But that is no reason to hate all dogs,” her husband replied. “Not all dogs run off and cause problems.” “It isn’t just that he was always leaving. It was what he did.” By this time, the children had also gathered around. “What did your brother’s dog do?” one of them asked. Marilyn told them about how, when the dog would wander off, he would run all over causing havoc. The dog would rummage through people’s garbage cans, chase birds through muddy bogs, and all sorts of things. The neighbors were often annoyed at him because he would also terrorize the neighborhood cats, though he never hurt any of them. He seemed more intent on making friends with other animals, but his size made them all scared of him. Marilyn said that when anyone noticed the dog had escaped from the backyard, it was all hands on deck, no matter what the person was doing. One evening, just as Marilyn was ready to take the old Buick and head to town, her mother stopped her. “Marilyn, Pixie is missing. We need you to help find him.” That was another thing that Marilyn hated about her brother’s dog. Her brother had named the dog Pixie as a joke, knowing his Great Dane puppy would grow. The dog was huge, and going around calling out “Here Pixie,” only to have a dog the size of an ox come running, was more than a little embarrassing. Marilyn tried to talk her way out of it, saying she really needed to go and didn’t want to get dirty, but her mother insisted. “You take the pickup truck, and if you find him, you can just have him jump in the back.” Marilyn finally agreed. She climbed into the front of the truck and drove around looking for the dog, hoping someone else would find him first. But luck was not to be on her side. She hadn’t gone too far when she was sure she saw him. She considered acting like she hadn’t, but she knew if she wanted to continue with her evening plans, she better help get him home. She climbed from the pickup, leaving the door open so she could dash back in before he came. She walked toward where she thought he was, and sure enough, it was him. He had made friends with some pigs and was rolling in the mud with them. She called Pixie, and when he saw her, his joy seemed to be unbounded. He came toward her at full speed. She turned and ran. And even in the high heels and the beautiful gown she was wearing, she outraced him to the pickup, jumped in, and slammed the door. She had expected Pixie to jump in the back like he always did, but instead, he flew through the window, right into her lap. “It was to be my first high school dance,” Marilyn said. “But even after I was cleaned up, I still smelled like a pigsty. Nor was I in the mood to go to the dance, anyway.” Eventually, the children and their father were able to prevail with Marilyn, and they got a dog. It was a small one, and if Fluffy ever went missing, no one ever asked Marilyn to help find her. If you don’t get the word out about your business, no one else will!!! 3x Clay County Historical Society Presents Bluff View Cemetery Spoken History Cemetery Tour Athlete Spotlight “A County of Culture” $10 PER PERSON. PRE-SALE ONLY UNTIL FRIDAY, OCT. 11TH Tickets available at: Austin-Whittemore House, 15 Austin Street and at W. H. Over Museum, 1110 Ratingen Street A Spoken History Tour at Bluff View Cemetery The Community Closet “A County of Culture” Monday, October 14, 2019 – 5:30 pm Come, Stop and Shop! $10 PER PERSON. PRE-SALE ONLY UNTIL FRIDAY, OCT. 11TH Tickets available at: Austin-Whittemore House, 15 Austin Street and at W. H. Over Museum, 1110 Ratingen Street Thursday, October 10th 6:30-8:00 PM Community Connection Center 9 Court Street, Vermillion We are so excited to bring this new opportunity to Vermillion and offer free clothing, shoes, and household goods to members of the community in need! We hope to see you there! Second Thursday of Every Month thecommunityclosetcrew@gmail.com Riley Ruhaak Riley Ruhaak is a junior on the Vermillion cross country team. His favorite thing about the sport is “competing for Vermillion High School and pushing my teammates to get better.” Ruhaak also runs on the track & field team in the spring season. When he is not busy with school or athletics, Ruhaak enjoys being with friends, golfing, and playing basketball. “I enjoy hanging out with my friends and family,” said Ruhaak. “I enjoy spending time with Will, my little brother.” ...the Value Monday, October 14, 2019 – 5:30 pm Clay County Historical Society Presents St. Agnes Parish Fall Festival Sunday, October 20th, 2019 Roast Turkey Dinner Includes a choice of dessert and beverage Dinner served from 11am – 1pm Raffles Begin at 1 pm Lots of FUN Kids’ Games • Silent Auction • Country Store Adults & Kids (12 & over) - $10 Kids (4-11) - $5 Kids (3 & under) - FREE VACANT LOTS AVAILABLE NOW!! We have lots available for mobile homes ready today. Contact Krista or Serena about moving your home to Suburban MHP Vermillion, SD 605-635-4200 *restrictions apply* For Your Classified! 605-624-4429 Thank You! Thank you to our family and friends for making our anniversary so special. Thank you for the greetings, cards, gifts and well wishes. A special thank you to our children and also to Dennis and Mary Jo for the use of their barn! It is much appreciated! Erlan and JoAnn Olson ST. PETER’S CATHOLIC CHURCH Annual Fall Breakfast Sunday, October 13th 8 AM - 12:30 PM 407 Annie Street • Newcastle, NE St. Peter’s Hall Serving Sausage, Pancakes, Eggs, Fruit Cup, Juice & Coffee Free Will Offering Raffle Drawing at 12:30 St. Agnes Catholic School Includes handmade queen size quilt, cash prizes, gift certificates, gift subscriptions and more!