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2 Broadcaster Press February 18, 2020 www.broadcasteronline.com ACLU Of South Dakota Commends Decision To Kill House Bill 1057 Dave Says Increase Life Insurance? Dear Dave, My husband and I are on Baby Step 3b, and we’re saving for a house. We’re out of debt and both of us make good money, plus we each have 20-year level term life insurance policies with coverage equaling 10 times our individual incomes. We also have an emergency fund equal to six months of expenses. I recently received a promotion at work, with a subsequent raise of $10,000. Should I update my life insurance policy to reflect this new income? Maria my wife and I split up a couple of years later, we made sure everything was current, cancelled service with that company, and we all went to different providers. A debt collector called me last week saying I owed $4,000 on 19 different devices. When I called our old provider, they said I owed $4,000 on nine devices. I asked for a current, itemized statement of the devices that were still out and the bill. So far, I haven’t heard anything back. What do you think I should do? Bob Today, in a 5-2 vote, the Senate Health and Human Services Committee voted to kill amended legislation that would prohibit doctors for providing medically necessary care to transgender youth and take away parents’ rights to make decisions about their children’s care. The ACLU of South Dakota opposed HB 1057. It is unconstitutional to single out one group of people and categorically ban all care, no matter how medically necessary. “Though supporters claimed House Bill 1057 was aimed at protecting vulnerable youth, it was clearly fueled by a fear and misunderstanding of transgender South Dakotans,” said Libby Skarin, policy director for the ACLU of South Dakota. “It’s time we stop these attacks and the very real harm they cause to transgender youth across our state. Let this be a signal to the South Dakota Legislature that discrimination against a marginalized group is a distraction from the needs of the state and hurts us all.” In addition to the ACLU of South Dakota, companies and organizations like the Sanford Health, the South Dakota Chapter of the American College of Obstetricians and Gynecologists, the South Dakota Pharmacists Association, the South Dakota Chamber of Commerce and Industry, the South Dakota State Medical Association, the South Dakota Retailers Association, the Sioux Dear Bob, Just keep on tearing into them. This thing won’t go away until you get everything completely rooted out. If you ignore it, chances are it’ll bite you on things like your credit bureau report. You might even find yourself the subject of some vague lawsuit years from now. Dear Maria, Considering the numbers you gave me, and what you I think you’re okay right now. I’d evaluate it, and know happened with the account and the devices, it maybe update the amount every three or four years. sounds like someone on their end made a clerical error. But as you get out of debt and build wealth, and as the More than likely, this is a case of typical incompetence kids get older, the real question to ask yourselves is how on the part of a cell phone company. much less life insurance do you need? You may have an uphill battle ahead of you, but I’d As your income increases and you get in better and keep on shoveling until the barn gets clean. Stay on top better financial shape, it’s not going to be necessary to of it, and don’t let them push you into giving them money have 10 to 12 times your income wrapped up in life insur- if they can’t prove they’re right. You may have to hire an ance policies. That’s just a starting point. attorney at some point to sue them and clear your name, Would your husband and any kids be well taken care but hopefully it won’t come to that. of based on your current life insurance amount? Would you and any kids be okay based on his life insurance? If —Dave the answer to both questions is yes, you’re good! —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. Dear Dave, Follow Dave on Twitter at @DaveRamsey and on the web at My wife and I put her two adult kids on our cell phone daveramsey.com. plan a few years ago. We thought there would be no problem, since they were both paying their own bills. After Dave RAMSEY Bill Dispute Turn Yo ur Clutter i nto Cash! Advertise your Garage Sale to thousands of readers! 624-4429 Quality products, affordable prices! Call today, start tomorrow! 15% Discount on All Services • Roofing • Siding • Gutters • Decks • Windows Call Steve or Lexee Your Certified Exterior Experts 605-595-7809 Vermillion, SD • ironcladconstructionsd.com Marvin Pincus understands that times change, and he’s changed a lot, too. He’s a lot older now, of course, and it gives him more time to consider things, like snowboarding. There he was, the other day up on Parker’s Ridge, our fairly-close-to-being-local ski slope, resting his arms on the antique wooden ski poles he’s used since the Hoover Administration. And down the hill came young people, swooping and swooshing on snowboards and it got ol’ Marvin shaking his head. “Back when I was young,” he said, “we had to work at this. You had to have skiing lessons, of course. Then you had to buy the right equipment and the right wax. Oh yes, the wax. You had to know just what kind of wax to use for the current temperature and what kind of snow you had. Then you practiced learning to stop and turn. For some strange reason, we thought it was important to be able to turn on skis, and to stop. “But now we have these snowboards. Near as I can tell, all you need to get started in that sport is an idiot and a six pack.” Rural Elk Point, SD Graduating High School Students Encouraged To Apply For Building Trades Scholarship BroadcasterOnline.com “Get Connected!” The Sioux Empire Home Builders Care Foundation is now accepting applications for its high school building trades scholarship program. The foundation will be awarding multiple $1,000 scholarships for Buy Local! graduating high school seniors who will be attending a college, university or technical institute and PRECISION PAINTING major in a home building industry related field of Shop the study. Scholarship recipients must reside in the •Interior •Exterior •Commercial Classifieds! service areas of Lincoln, McCook, Minnehaha or •Residential Turner counties. Application deadline for the 2020 Quality Workmanship, scholarships is April 1, 2020. The Sioux Empire Home Reasonable Rates Builders Care Foundation CLINT TUCKER has awarded over $70,000 in scholarship funds to 624-4621 Since 1983 area high school seniors. For additional information on the high school scholarship Design/Build • Fiber Cabling • Commercial • Residential program, please contact their office at (605) Service Calls • Boom Truck with Auger • Trenching 3.5” x 2.5” |Applications 361-8322. Maximum Font Size: 30 pt 3.5” x 2.5” | Maximum Font Size: 30 pt can be found online at Serving the hbacarefoundation.com. Beresford and TODD’S ELECTRIC SERVICE “The Line To Power” 1 Annual Gospel Music Festival St. Paul Lutheran Church, st Falls Area Chamber of Commerce, LEAD South Dakota and the Human Rights Campaign also opposed House Bill 1057. About the ACLU of South Dakota Decisions made during the annual sessions of the South Dakota Legislature have a deep and lasting impact on our state’s people and communities. As new laws are created and others repealed or written, it’s important to ensure that these changes preserve and strengthen our constitutional rights. Based in Sioux Falls, the American Civil Liberties Union of South Dakota is a non-partisan, nonprofit organization dedicated to the preservation and enhancement of civil liberties and civil rights. The ACLU of South Dakota is part of a threestate chapter that also includes North Dakota and Wyoming. The team in South Dakota is supported by staff in those states. The ACLU believes freedoms of press, speech, assembly, and religion, and the rights to due process, equal protection and privacy, are fundamental to a free people. In addition, the ACLU seeks to advance constitutional protections for groups traditionally denied their rights, including people of color, women, and the LGBTQ communities. The ACLU of South Dakota carries out its work through selective litigation, lobbying at the state and local level, and through public education and awareness of what the Bill of Rights means for the people of South Dakota. 1-800-560-2518 Vermillion Have 403(b) Have 403(b) Areas Join us for uplifting gospel praise music, featuring the Master's Financial strategi Voice Quartet from Sioux Falls, and Josiah Mullins from KansasFinancial strategies. questions? Let’s questions? Let’s talk. City, followed by a meal of taverns, salads, and desserts. IRA? Don’t wait to contribute. One-on-one advi Free-will offering to help repair our beautiful church's steeple.One-on-one advice. February 23, 2020 at 4:00 PM 1221 Cornell St., Vermillion, SD • 605-624-5642 201 NW 13th St., Ste. 3, Beresford, SD • 800-560-2518 For information, visit us on Facebook. Curt Robinson Curt Robinson Financial Curt Robinson Advisor . Financial 23 Market Street Advisor Patrick Higgins Patrick M Higgins Financial Advisor Financial Advisor Tom Overby Financial Advisor Financial Curt Robinson Advisor Curt Robinson . Financial Advisor Street Financial 23 Market Advisor Patric Financ 605-624-2028 www.edwardjones.com 77 W. CherryStreet W. Cherry Street Vermillion, SD 57069 Vermillion, SD 57069 605-658-0205 605-658-0205 www.edwardjones.com 23 Market Street Vermillion, SD 57069 605-624-2028 23 Market Street 23 Market Street 605-624-2028 Vermillion, SDSD 57069 Vermillion, 57069 www.edwardjones.com 605-624-2028 605-624-2028 7 W. Che Vermillio 605-658 www.ed Vermillion, SD 57069 23 Market Street 605-624-2028 Vermillion, SD 57069 www.edwardjones.com VETERANS NEEDED Vermillion, SD 57069 www.edwardjones.com FOR USD RESEARCH If you are a OIF/OEF/OND veteran between the ages of 18 and 60, have difficulty sleeping, and drink alcohol at least once a week, you are being invited to participate in a research project about past experiences with stress, current coping behaviors and sleep. This study is being conducted by Drs. Raluca Simons and Jeffrey Simons at The University of South Dakota. Participation in this study involves wearing a watch that measures sleep, answering brief questions on your cellphone, completing two online surveys and, if assigned, reading a PDF weekly. Participation in this study is completely voluntary and your responses will be completely confidential. You will be given $25 for completing the initial interview and eligible participants will be invited to participate in an ongoing study in which you may make up to $170 / week. If you are interested in this study, please call 605-658-3730 or email the research coordinator sydney.stamatovich@coyotes.usd.edu for more information. Hope to see you soon! The Simons Research Team Member SIPC www.edwardjones.com MEMBER SIPC Experience you can count on. Jon Oligmueller - Lead Installer Jon has over 20 years of experience in the residential and commercial sectors. Jon takes great pride in his work and maintains the highest level of standards. At Kalins Indoor Comfort – Local experience you can count on, yesterday – today – and tomorrow. 710 Cottage Ave., Vermillion, 605-624-5618 2018 Broadway, Yankton, 605-665-4348 kalinsindoor.com
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