2 Broadcaster Press December 10, 2019 www.broadcasteronline.com Dave Says Cash Them In, And Do Something Better! Dear Dave, My wife and I are following your plan, and recently we found some old savings bonds that had been given to her by her grandfather when she was a kid. Do you think we should go ahead and cash these in before they reach their final maturity date in a few months? John The Therapy Session we’ve had to tap into our savings in order to pay the By bills. Should I go back to work? There are a couple of Daris Howard reputable daycare centers near us, but I’m just not sure if this is the right thing to do. Some of us were visiting after church, and since Tammy Thanksgiving had just passed, the topic of conversation turned to turkeys. Our neighbor had one that had become Dear Tammy, rather mean. He was telling about it and how he would Being a full-time mom is a wonderful thing. And honnever raise a turkey again. estly, I can’t blame you for wanting to stay home with “I’ve raised some turkeys,” I said, “and they can be as your children when they’re so young. mean as any animal there is, except maybe a rooster. TurThe biggest problem I see is that 40 percent of your keys and roosters think they are the cock of the walk.” Dear John, husband’s paycheck is going toward your mortgage. Our young fourteen-year-old neighbor, McKenzie, said, Absolutely! Every one of those That’s way too much! A house payment should never be “We had a really mean rooster, too. But then he had a therDave savings bonds is accruing interest at more than 25 percent of your take-home pay. apy session, and everything changed.” the appropriate rate for the type of I know trying to live on the $1,500 that’s left is hard, “A therapy session?” I asked. bond it is. The problem is every one especially with two babies in the house. But it doesn’t She nodded. “It all started when our turkey was young. of those rates stinks. I hate savings bonds. We’re talking sound like a lot of fat can be trimmed right now. One of We put him in the chicken building because he was smaller about some very low interest rates. you might consider taking on a part-time job nights or than the hens, and we didn’t think he would bother them. Another reason I don’t like savings bonds is they’re weekends for a while, or he could look into enhancing But because of his size, all the chickens, and especially not financial instruments which cause you to be respon- his education. Either one of these would help get your the rooster, picked on him. We were afraid they would kill sible with them. People lose them, they forget about income up. Selling the house is an option, too. But I’m him, so we ended up having to move him to a pen of his them, and then maybe they turn up in an old lock box not a fan of that one except in the most extreme circum- own. somewhere down the road after making a whopping two stances. “Meanwhile, while the turkey grew up, the rooster got or three percent. Right now, I’m viewing this as a math problem with meaner. Every time we would try to gather eggs, the roostBack in the day, they used to be positioned as patrithree components. The components are income, house er would attack us. We, kids, like to gather eggs, but we otic and all that. But who wants to finance the stuff this payment, and lifestyle. You and your husband need to were all afraid of him. That’s why my dad decided that the government does? We’re not supporting World War II any- sit down, and have a serious heart-to-heart talk about rooster could no longer be in the henhouse. more, you know? Cash them in, and depending on what things. There will have to be some sacrifices in order to “So we caught the rooster, and having nowhere else to Baby Step you’re on, put it toward your emergency fund, make things better, but only the two of you together can put him, we put him in with the turkey. They seemed to your debt snowball, retirement, your mortgage—just be determine exactly what’s best for your family. remember each other. The rooster immediately went on proactive, and do something better with the money! God bless you all. the attack, and the turkey backed away as he always had. —Dave —Dave But after a few minutes, something changed. It was as if the turkey realized his old nemesis was no longer that intimidating. That’s when the turkey attacked back. * Dave Ramsey is America’s trusted voice on money and “The two of them went at each other, and feathers Decisions And Sacrifices business, and CEO of Ramsey Solutions. He has authored seven started to fly, mostly those of the rooster. The fight was best-selling books, including The Total Money Makeover. The getting so bad that we eventually had to shut the door Dear Dave, Dave Ramsey Show is heard by more than 12 million listeners to the shed and just let them work out their differences. We have two preschool kids, and I’m a stay-at-home each week on 575 radio stations and multiple digital platforms. mom. My husband brings home about $2,500 a month, Follow Dave on Twitter at @DaveRamsey and on the web at Mom called us to dinner, so we left the rooster and turkey to themselves. When dinner was over, we came out of the and our mortgage payment is $1,000 a month. Recently, daveramsey.com. house, and everything was quiet. “We approached the door of the building that had the rooster and the turkey in it and listened, but there was no sound. We were afraid the turkey had killed the rooster because we doubted it would be the other way around. We carefully opened the door, and the rooster, who had lodged himself up at the top of the door, fell out in a pile in the snow. The Executive Board of the South equipment; a revenue reduction year of existence, reducing the “We thought he was dead until he slowly raised his Dakota School Superintendents (now approximately $24 million increase to 1% when CPI was 1.7%. head and looked at us before dropping his head back into Association voted unanimously annually) which will continue to • Governor Noem’s budget the snow. No one wanted to get near him in case it was an on Wednesday, Dec. 4, to issue the increase. proposal calls for a 0% increase in act, and he would attack, so we went back into the house following statement in response to • Eliminated the pension fund the “Teacher Target Salary” while the for a while. But when we came back out, he was still lying Governor Noem’s budget address: levy, a reduction of approximately Consumer Price Index is at 2%. there. Finally, we picked him up and put him back in the The 2016 Legislature passed $4.5 million annually in taxes. • Public schools are being hen house for the night until we could figure out what to into law what has become known • Refunded property tax payers criticized for their state test scores. do with him. as the “Blue Ribbon Task Force by using 40% of the new “half-penny Our organization wants our “But the next day, when we went to gather eggs, the Recommendation”, which did the sales tax” as a reduction in property communities to know the following: rooster didn’t bother us at all. In fact, he acted all friendlyfollowing: taxes. • Individual students are learning like. He has never bothered anyone since then. He’s prob• Designated $63 million in on• The law put in statute a and growing. ably afraid if he does, he will have to go through another going money for teacher’s salaries requirement that the “Target Teacher • Many of our students enter therapy session with the turkey.” that moved South Dakota out of Salary” would increase each year by school with lower entry skills than at I smiled. There is nothing like a good turkey therapy “51st” in the nation, and allowed the “Consumer Price Index” or 3%, any time in history. session to make a mean rooster nice. our public schools to compete for whichever is less, which assures • The number of students the best and brightest teachers in South Dakotans that teacher salaries attending school with mental health our region to stay in South Dakota. will continue to remain competitive issues is increasing at an exponential The allocation of that money is in the region. rate. carefully monitored by the Joint School Superintendents want the • Workforce initiatives are Your opinion is something Questions? Appropriations through the work of public to know that our organization bringing in students from all over the we always want to hear. Call, write us or contact Comments? the School Finance Accountability is deeply concerned with a series world who are learning at amazing us via e-mail and let us Story Ideas? know how we are doing. Board. of events that are affecting South rates, however, are required to test • Reduced the amount of growth Dakota’s public school districts. in language proficiency after just one in capital outlay, cutting eligible • The 2018 legislature failed to year in the country. 201 W. Cherry •Vermillion, SD 57069 tax collections for structures and meet the statute in just the second 605-624-4429 • classifieds@plaintalk.net RAMSEY South Dakota School Superintendents Respond To Budget Address We’re all ears. Noem Proclaims Women’s Vote Centennial Celebration Day PIERRE, S.D. – Governor Kristi Noem proclaimed today as “Women’s Vote Centennial Celebration Day” in South Dakota. On December 4, 1919, South Dakota was one of the first states to ratify the Nineteenth Amendment, •••• approving it during a special legislative session. “One-hundred years ago today, democracy expanded, and South Dakota moved to give women the right to vote,” said Noem. “These men and women were trailblazers, and I am proud of their courage to spark change for the greater good.” To help commemorate and coordinate the statewide celebration of the Nineteenth Amendment’s 100-year 2019 Vermillion Holiday Stroll ••• Thursday, December 12th • 5 p.m. to 8 p.m. Stop by these local businesses for dining specials, treats, beverages, and sweet DEALS on your holiday shopping must-haves! • Davis Pharmacy • Blue Monarch • Vermillion Eagles Club • Sharing the Dream • Carey’s • Indigo & Calm • The Bean • Hartford Steakhouse • Old Lumber Company • Red Steakhouse • Thread & Ink • Nostalgia Vintage • Coyote Twin Theater • Charlie’s • Vermillion Area Chamber & Development Company • The Antique Shoppe • Treasure Trove • Dakota Brickhouse • Candie’s Couture • Milan Nail Studio • Willson Florist • Wynie Mae’s • Vermillion Area Arts Council #shoplocal #LOVermillion anniversary, Noem has assembled the Women’s Vote Centennial Delegation. The group has been tasked with providing educational materials about the suffrage movement and stimulating opportunities that explore the journey to women’s right to vote. “It’s important for our young people to understand the path TODD’S suffragists had to walk in order to secure this right for women in our country,” Noem continued. “When we understand our history, we become more grateful for the rights we have and the liberties we enjoy.” Throughout 2020, the delegation – along with the South Dakota State Historical Society and the Historical Society Foundation – will initiate ELECTRIC SERVICE “The Line To Power” Design/Build • Fiber Cabling • Commercial • Residential Service Calls • Boom Truck with Auger • Trenching Serving the Beresford and Vermillion Areas 1-800-560-2518 projects commemorating the centennial of women’s suffrage. 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