2 Broadcaster Press March 24, 2020 www.broadcasteronline.com Dave Says Do We Still Owe? The Simple Thing Is The Right Thing Dear Dave, Should you still pay debts that are in collections, even if they have been dropped from your credit report? The one in question is from 2011, and I assume it isn’t showing on the credit report anymore because it’s nine years old. Sam Dear Dave, I recently found out my former employer never stopped contributing to my health savings account (HSA). Apparently, this has been going on for about nine months, and they just sent me a form to sign so they can get the overpayment back. The amount totals a little over $1,000, so should I sign the papers or is there another Dear Sam, way to handle this? There are two good reasons to go Ellie back and deal with this debt. One, Dave even if it’s off your credit report, you may Dear Ellie, still legally owe the money. Even if the statYou know, if I were as incompetent as your former emute of limitations has run its course, things like this have ployer, I’d be too embarrassed to ask for the money back. a habit of popping up and causing problems at the worst But hey, the point is it’s not your money. Sign the forms, possible times. About the time you decide to buy a home, and let them take the money out. Keep an eye on your this is liable to raise its head again and mess things up. HSA balance, though, and make sure they take out only So, the fact that something doesn’t appear on a credit amount they overpaid—not one penny more or less. report doesn’t mean you’re not legally liable, or that they Keep it simple, Ellie. You didn’t earn this money, and it won’t bother you about it later. wasn’t expected or agreed upon. It was a mistake, so just The second thing to think about is a simple matter of do the right thing. Control the scenario, and stay on top fact—you owe the money. Regardless of what the legal of this situation until everything is resolved correctly. system or credit report says, you morally owe the money. —Dave I’d contact the creditor, and begins negotiations to settle the debt. You might be able to reach an agreement where they’d accept less than the original amount owed. Re* Dave Ramsey is America’s trusted voice on money and gardless, get any type of settlement offer in writing. That business, and CEO of Ramsey Solutions. He has authored seven way, you’re truly cleaning up your life and getting rid of best-selling books, including The Total Money Makeover. The any financial skeletons in your closet! Dave Ramsey Show is heard by more than 12 million listeners —Dave each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. RAMSEY Find the right job for you! Grab & Go The Vermillion School District will be sponsoring a grab and go free lunch (and a breakfast for the following day) for children 0 to 18. This will be similar to the summer food program that is offered through the school district. The children must be present to receive a meal and adults will not be eligible. Start: Monday, March 16th Time: 11:30 a.m.-12:30 a.m. on Monday-Friday until school resumes Location: Vermillion Middle School in the front parking. The Vermillion Middle School address is 422 Princeton St. For more information, please call 677-7000 . Hy-Vee Installs Temporary Protective Windows at Checkouts, Temporarily Bans Use of Reusable Bags to Help Limit Spread of COVID-19 WEST DES MOINES, Iowa (March 19, 2020) — Hy-Vee, Inc. announces today additional changes to its operations in response to the evolving coronavirus (COVID-19) outbreak. Effective Friday, March 20, customers will no longer be allowed to bring in reusable bags until further notice since it is difficult to monitor their cleanliness. Because it is not always easy to know the sanitization procedures customers are taking at their homes to keep the bags clean, this is one more way the grocer is helping prevent the spread of the virus. Customers also will start seeing temporary window panels installed at checkouts to help provide an additional layer of protection for both our employees and customers. These panels are being installed at the checkout, as this is the point in the store visit where customers and employees are in the closest contact. In the aisles or at our service counters, customers and employees have more flexibility in placing distance between themselves but the setup of the checkout limits that ability. These panels are in place in our Des Moines-area stores, and will be installed in all other Hy-Vee locations over the next few days. “The spread of this virus is asking us all to take extraordinary measures and change the way we live our lives,” said Randy Edeker, Hy-Vee’s chairman, CEO and president. “We are continuing to adapt at Hy-Vee so that we can serve our customers and keep everyone in our stores as safe and healthy as possible.” Quality products, affordable prices! Call today, start tomorrow! 20% OFF INSTALLATION ALL SERVICES • Roofing • Siding • Windows and Doors • Decks • Gutters Call Steve or Lexee Your Certified Exterior Experts 605-595-7809 • Vermillion, SD ironcladconstructionsd.com Check Out The Broadcaster Help Wanted Section! 818 Cottage Ave. Vermillion The problem was Mrs. Doc, you see. Oh, don’t misunderstand. She’s a perfectly wonderful lady and we all think the world of her, and as far as we know she has yet to burn down a house or start a war or anything. The problem is, we don’t know her first name. If you just come out and flat ask her, she’ll smile and say, “Well, don’t you think Mrs. Doc is a nice name? I’ve had it for a long time now.” But I guess there’s something deep inside us that hates a vacuum … a vacuum of knowledge, that is. We’re still curious about exactly where Old Man Jenkins’ cabin is, for example. While he was alive, we never thought to bug him about where he lived, because we also cherish a man’s right to privacy. But Jenkins died on one of his trips to town, and we still didn’t know where his cabin was. So that began a number of semi-serious expeditions into our nearby mountains to try and solve the mystery. Hasn’t happened yet, but there’s always hope deep in the souls of true explorers. And so it is with Mrs. Doc. She introduced herself to all of us as Mrs. Doc, and … as wife of our local sawbones … she automatically deserves respect, even if that respect means maintaining a mystery. But in a way, Mrs. Doc has added something tangible to our little society here in Home Country, because if we should ever falter for a subject of intense discussion, we have her first name to fall back on. Doc’s a true pal, of course, but there’s no way he’d betray his missus on this. We did ask him one time if he actually knew her first name. He gave us the strangest look and said, “What do you think? I met this girl in college named Mrs. Doc and asked her to marry me?” The speculation has run the gamut of everything from her having a first name meaning a poisonous flower, to body parts, battleships, national parks, and disastrous storms. If we did accidentally trip over her real name, neither she nor Doc would confirm it. So while we’re looking for Jenkins’ cabin, we can contemplate that very nice lady … Mrs. Doc. 624-4429 Dakota Senior Meals All meals will be delivered to homes or may be picked up at The Main Street Center & Town Square “Meals on Wheels”. Please call before 9:00am to schedule or cancel a meal at 624-7868. Menus listed below are March 25th – March 31st. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Wednesday – 3oz Liver-n-Onions, ½ Baked Potato, 1/2c Broccoli, 1/2c Peaches, 4oz Tomato Juice Thursday – 3oz Meatloaf, 1/2c Mashed Sweet Potatoes, 1/2c Corn, 1/2c Blushing Pears, 4oz Cranberry Juice Friday – 3oz Cod, 1/2c Fried Potatoes, 1/2c Peas-n-Carrots, 1/2c Blueberries, 4oz Pear Juice Monday – 3oz Tavern on a Bun, 1/2c Macaroni Salad, 1/2c 3-Bean Salad, 1/2c Blueberries w/ Yogurt, 4oz Apple Juice Tuesday – 3oz Chicken Breast, 1/2c Mashed Potatoes, 1/2c California Blend, 1/2c Jell-O w/ Fruit, 4oz Orange Juice Labor Department Accepting Unemployment Claims From School Employees Affected By COVID-19 Closures PIERRE, S.D. – The Department of Labor and Regulation (DLR) is accepting reemployment assistance (unemployment insurance) claims from school employees who are not able to work due to COVID-19 closures. South Dakota schools will stay closed through March 27 as a precau- tion to slow the spread of COVID-19. If the worker is not being paid by the employer while at home, the worker may be eligible for unemployment benefits. Eligibility will be determined on a case-by-case basis. “School workers approved for benefits will not be required to actively 84th Annual Meeting tponed Pos seek work each week while receiving benefits,” said state Labor and Regulation Secretary Marcia Hultman. Workers can file for benefits online at raclaims. sd.gov or by calling 605626-2452. Online filing is encouraged. The non-paid waiting week, typically the first week of compensable benefits, is still in effect. People who are being paid to work from home or those receiving paid sick or vacation leave are NOT eligible for unemployment compensation benefits, regardless if they fit the situation above. Please see Proposed Scenario Interpretations for more details. The Clay-Union Electric Board of Directors, in response to the Coronavirus Pandemic, has chosen to postpone the 84th Annual Meeting scheduled for March 31, 2020. With no By-Law changes proposed & no contested Board of Director Elections, the board feels it is in the best interest of its members to monitor the evolving situation and reschedule at a later date. Sincerely, Clay-Union Electric Board of Directors 1410 E. Cherry, Vermillion, SD • 605-624-2673 clayunionelectric.coop • visit us on facebook