2 Broadcaster Press November 5, 2019 www.broadcasteronline.com Dave Says Teaching the value of work…and money Dear Dave, Is it okay to give very young children an allowance? Christie As Safe As a Neighborhood Bank? Dear Christie, Teaching kids there’s an emotional connection between work and money is one of the best things you can do as a parent. Once your kids are old enough to do a few simple chores around the Dave house, they’re old enough to earn a little money doing them. In my mind, there’s absolutely nothing wrong with putting kids who are three or four on a basic commission system. If they do the jobs you assign them, they get paid. If they don’t do the jobs, they don’t get paid. We put a little dry-erase board on the refrigerator, and listed the jobs they had to do during the week with a dollar amount next to each one. Keep in mind, kids shouldn’t get paid for every little thing they do around the house. Some jobs are just a necessary component of being part of a family. And there are some things kids should do simply because mom or dad asked them to. Some jobs should have a higher purpose in mind, too, because as a parent, you should want to find as many teachable moments for your kids as possible. Once they’ve earned their money, sit down with them and divide it into three separate envelopes—saving, spending, and giving. That way, they get to learn about the uses for money while they’re learning how to work! —Dave RAMSEY Dear Dave, What are your thoughts about online banks? Are they as safe as traditional, neighborhood banks? Jeanna Dear Jeanna, Sure, if they’re guaranteed by the Federal Deposit Insurance Corporation. The FDIC is one of two agencies that provide deposit insurance to customers in America’s depository institutions. The other is the National Credit Union Administration, or NCUA, which insures and regulates credit unions. If you’re seriously considering using an online bank, there are a few things I’d advise checking out before making the move. Look into the bank’s track record, and see how long it has been open. Also, if the bank you’re considering doesn’t have a name-brand you recognize, find out the amount of its deposits. Online banks don’t worry me today like they did 10 years ago. And almost everyone does some form of online banking now, anyway. If the bank in question has a good reputation, and sufficient deposits to have some strength in its FDIC guarantee, I wouldn’t worry about it. —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. 1-147th Soldiers Welcomed Home From Europe Deployment SIOUX FALLS, S.D. - One hundred and twelve Soldiers from the South Dakota Army National Guard's Bravo Battery, 1-147th Field Artillery Battalion and 147th Forward Support Company were welcomed home by family and friends at Lincoln High School in Sioux Falls, Oct. 26, after returning from duty in Europe. While on a 10-month deployment, the Yankton-based Battery B and Watertown-based FSC provided rocket artillery and logistics support to Operation Atlantic Resolve, which builds readiness, increases interoperability and enhances allied nation partnerships between militaries using multinational training events. Many state government leaders were on hand to welcome the Soldiers home. Gov. Kristi Noem, U.S. Senators John Thune and Mike Rounds, Congressman Dusty Johnson and Maj. Gen. Jeff Marlette, SDNG adjutant general, spoke at the event and praised the Soldiers for their service. "As a mother of three, I am especially thankful for your service and the ways you've given of yourselves to continue making our world a safer place for my kids and your kids," said Noem. "I can't express how thankful I am for the sacrifices you've made to be away from your families in service to our American family." "To our Soldiers, welcome home, thank you for your service and thank you for the excellent job you did," said Marlette. "You are part of an elite group of less than one percent of Americans who are willing to put on this uniform and serve. Thank you for that service." During their deployment, Bravo Battery and the FSC had many accomplishments. They fired 132 rockets, and participated in two multinational exercises: Dynamic Front and Breakthrough, which included a total of 27 partner nations. They were the first American unit to fire the Multiple Launch Rocket System in Hungary and the first to fire the MLRS in Germany since 2006. Bravo Battery and the FSC also re-established the supply and part ordering system for MLRS specific parts in the United States European Command, as well as attaining a near perfect overall equipment readiness rate. They also assisted active duty counterparts to complete munitions and fuel transport missions, when assistance was needed. "Over the last ten and a half months we have traveled far from home. Even though we were far from home, it was never far from our hearts and minds," said Capt. Daniel LaMaack. commander of Bravo Battery. "This mission from a strategic level has importance. For the future success of our nation and our European allies, it was deemed necessary to bring this very special unit to Europe. "We can never repay you for the sacrifices you've made, but I will support you and your families," said Noem. "I will pray for you as you transition back into civilian life. And I will say thank you. Over and over again. You can count on that." State Capitol To Implement New Safety Measures PIERRE, S.D. – Secretary Craig Price and the Department of Public Safety today announced that a new safety measure designed to keep South Dakota’s state Capitol building safe and accessible to the public will begin this fall. A security screening room will be constructed near the Capitol’s north entrance and located in office space currently occupied by the Bureau of Human Resources Classifications Division. Those employees have relocated to another space in preparation of the project. “This is a proactive step in working to protect the Capitol and those who use it,” said Price. “We have designed the screening process to be the least intrusive as possible and allow people to go about Supercharged Halloween By Daris Howard Though Lenny had won the last round with his uncle the previous Halloween, when he asked me if I wanted to be in on his next prank, I declined. From my record of the pranks over the years, his uncle had more wins than Lenny did. But Lenny knew he could count on Butch and Buster, and, true to form, they agreed to join him. Their success with the cat was still fresh on their minds, and they hoped to add to it. “What do you have in mind this year?” Butch asked. “Well,” Lenny said with a sly smile, “I just happen to know that Uncle has an electric fence charger in his barn, along with some fence wire. My mom sent me to get milk from him down at his dairy barn, and I decided to do some scouting around for an idea while he was busy milking. That’s when I saw it. I hadn’t ever seen it before, so I checked the old charger just to make sure it worked.” “Did you touch it?” Buster asked. “Do I look daft to you?” Lenny said. “I put on some thick gloves and plugged in the fence charger. Then I spat on a piece of hay and touched it across the two poles of the charger. The hay lit up like a Fourth-of-July sparkler.” “Won’t he miss it if we steal it?” Butch asked. “We ain’t going to steal it,” Lenny said. “We’re just going to borrow it for the night, and it won’t even leave his property. We’ll just string wire quietly around the wood fence by his house. Then, when it’s all set, we’ll make lots of noise. When he comes running out, he’ll run right into it, and we’ll get a good laugh when the jolt knocks him on his backside. The fun part will be that it’s his own fencing material.” Lenny knew he couldn’t nail the insulators onto the posts or his uncle would hear, so he had to figure out how he could attach them quietly. He decided he could put a wrap of electrical tape around the wire on top of the posts and then tape it down. Besides, it only had to last long enough for his uncle to touch it. Halloween night finally came, and the three boys, dressed in black and carrying rolls of electric tape, made their way stealthily across Lenny’s uncle’s yard. They were almost to the barn door when Lenny, who was leading the way, slipped and fell. “Confounded ice!” Lenny said in a loud whisper. “I don’t remember there ever being ice here before.” “Must have come off the barn,” Butch said. “The barn roof slants the other way,” Lenny said. “I bet my uncle put it here, hoping to stop us from pranking him.” Lenny tried to stand but slipped again. Butch and Buster tried to help, and they, too, went down. “He can’t stop us that easily,” Lenny said. “Let’s work together.” Holding on to each other’s wrists, they formed a tripod and were able to stand. Then, still holding each other’s wrists, they made their way the last few feet to the door. Lenny reached out and grabbed the doorknob. When he did, all three of them felt a charge surge through them as their hair stood on end. They all screamed, slipped, and fell. The house light came on, and the three boys started to scramble. In their hurry and confusion, they slipped and fell multiple times, often on top of each other. Eventually, they were able to crawl off the ice and run away. At church on Sunday, the three of them were scratched and bruised. Lenny told me the story. “Weren’t you wearing gloves?” I asked. “You shouldn’t have gotten shocked through gloves.” “A person can’t wrap electrical tape with gloves on,” Lenny said defensively. About then, Lenny’s uncle came up, smiling. “You know, my cows seem to miraculously get out on Halloween, so I decided to rig up some electric fencing.” And then, as if reading our minds, he added, “They even seem to be able to open doors, so I decided I needed to electrify the doorknob to stop them.” As Lenny’s uncle grinned and walked away, Lenny said, “That was not about cows at all, but was just a bunch of bull.” their Capitol business. These improvements will enhance public safety while preserving the accessibility of the statehouse.” Once the security screening room is completed, visitors will enter through the north doors and be directed into the screening room. Signage will help direct visitors what to do and inform them of what items Advertise your Garage Sale are not allowed in the Save $30 on a Summer AC Tune-Up! Capitol. This information is thousands of readers! also available online here. 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