2 Broadcaster Press February 25, 2020 www.broadcasteronline.com Dave Says It’s a Better Idea To Pre-Plan Gasping for Air By Daris Howard Coach blew his whistle, which brought us to a stop. His favorite conditioning exercise was to have us run on Dear Dave, our hands and knees back and forth across the wrestling My husband passed away last room. He started us off by blowing his whistle and ended year at just 45 years old. We always the exercise in the same way. In between, we were suptried to be careful with our money, posed to run as many laps back and forth as possible. It and we were in good enough shape Dear Dave, was exhausting, especially after having already practiced financially that I paid for his funeral I have an emergency fund equal to six months of exwith cash. A few days ago, I started penses. Considering this, would you consider an extend- for a couple of hours. “One more time,” Coach called after about thirty secgetting letters from the funeral ed home warranty to be a waste of money? onds of rest. homes in town encouraging me to Ami He blew his whistle again, and off we raced. In order pre-pay for my own funeral. I’m 42, not to skin our knees, we ran in what we called a bear run. and in very good health, so is this a Dear Ami, Back and forth we went, hoping for the whistle to blow. good idea? My advice to have an emergency fund of three to six Finally, it did, and we dropped to the mat. Janet Dave months of expenses, sitting in a good money market ac“How many did you get, Howard?” Kevin, our 185-pound count with check writing privileges, is designed to cover wrestler, asked. Dear Janet, the unexpected things that life will throw at you. The “Ten,” I answered. My advice is to pre-plan, not cash, combined with the easy access that kind of account “Ten?” he said, rolling his eyes. “What, are you trying pre-pay. Unfortunately, you learned first-hand how hard it allows, will make it quick and easy to take care of things to be the bear-run champion?” is to make important decisions in the middle of that kind in the event of a financial emergency. “How many did you get?” I asked. of grief. Many times, people are so emotional when they Extended warranties, of any kind, are not a good deal “Three,” Kevin replied. “And that is more than plenty.” face these kinds of things that they make bad decisions. and I don’t recommend them. You’re better off to self“One more time,” Coach called, feeling we had had That’s why pre-planning, and making decisions ahead of insure against things breaking down, and put what would enough rest. time, is a really good move. have been profit for the extended warranty company in “But you’ve said one more time for the past five times,” Now, here’s why it’s never a good idea to pre-pay for your own pocket! Kevin said. this kind of thing. If you live to an average age, for what —Dave “I didn’t say it would be the last time,” Coach replied. “I you’d prepay today at your age, you could invest the Save $30 and beSummer AC Tune-Up! of money on a self-insured. You’d have a ton just said do it one more time.” amount * Dave Ramsey is America’s trusted voice on money and Coach then blew the whistle. Only a few of us took off sitting there when the time comes. business, and CEO of Ramsey Solutions. He has authored seven at full speed, while most of the others only loped. Events like this make you realize the need for proper best-selling books, including The Total Money Makeover. The As the weeks progressed, most of the team didn’t take planning, but don’t ever Just give us a call and we’ll pre-pay for them. God bless you, Dave Ramsey Show is heard by more than 12 million listeners Janet. I’m so sorry you’re going through this. each week on 575 radio stations and multiple digital platforms. this part of the conditioning seriously. While the same few send out a qualified —Dave Follow Dave on Twitter at @DaveRamsey and on the web at of us pushed as hard as we could, the others only did it halfheartedly—if they did it at all. Kevin was the worst. He daveramsey.com. Service Technician like would find some way to slip out for a drink, or flop on the Tyler, to make sure your mat, or claim an injury. At the first of the season, it didn’t end up being too AC unit is ready for those bad for him. The opponents we opened the season with hot summer South Dakota weren’t too tough, and Kevin, as good as he was, pinned Tyler Reiser PIERRE, S.D. – Governor revise certain provisions •HB1018 – An Act to establish a maximum on the each of them in the first or second round. days and save $30!* signed the Service Technician Kristi Noem has regarding banks. revise certain provisions number of words contained But then came the first night that Kevin faced an opfollowing bills during the •HB1016 – Act to revise regarding life and health in a statement of a propoponent who was able to fight his way out of the pinning 13 years experience regarding 2020 legislative session: certain provisions insurance insolvencies. nent or opponent for the holds Kevin tried on him. Though Kevin was ahead by six •HB1005 – An Act to money transmission. •HB1030 – An Act to ballot question pamphlet. points at the end of the second round, he was gasping for revise certain provisions re•HB1017 – An Act to revise certain provisions •HB1052 – An Act to garding the use of telehealth provide for certain insurer regarding the Board of Tech- change a reference from air, and his lips were blue. technologies. corporate governance disnical Education. a secondary election to a Kevin was in the top position in the third round, and •HB1015 – An Act to closure requirements. •HB1049 – An Act to runoff election to maintain his opponent quickly dropped to his knees on the mat. consistency in terms. Kevin moved slowly, taking every second possible, trying For more information to catch his breath. He was finally ready, and the ref blew on these bills and other When You Want Comfort… You Want Kalins! the whistle. Instantly, Kevin’s opponent did a reversal and ongoing pieces of legislawas on top. Kevin’s lead was cut to four. Kevin should tion, visit the Legislative Vermillion: 605-624-5618 Research Council website: have been able to defend against that, but he was mov*Rebate offer only available to Vermillion Light & Power customers. sdlegislature.gov/. ing too slowly. Kevin’s opponent started plowing him into Call for full details. the mat, positioning him for 70 years as a Premier Lennox® Dealer a pin. Let Our Family Suddenly, Kevin hol99 years in Business 3.5” x 2.5” | Maximum Font Size: 30 pt ” | Maximum Font Size: 30 pt Business Keep Yours lered, “My eye! My eye! 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I then realized he had Call today, start tomorrow! just done it as a diversion to catch his breath, and though he was able to hold on and win by two points, I was disgusted. “So, are you going to take conditioning more seInformational Meeting • Q & A Session riously?” I asked. “I doubt it,” he replied. Wednesday, March 4th • 4:00-5:00pm “But I might take up wearDiscount on ing contacts.” High School Auditorium No, They’re Not a Good Deal RAMSEY Noem Signs Eight Bills When You Want Comfort...You Want Kalins Have 403(b) ave 403(b) Financial strategies. nancial strategies. questions? Let’s talk. uestions? Let’s talk. IRA? Don’t wait to contribute. ne-on-one advice. One-on-one advice. Cox Auto HOURS: Boys & Girls Club & Vermillion School District Join us! 15% All Services If you are interested, please come. 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