2 Broadcaster Press August 30, 2016 www.broadcasteronline.com Dave Says Paying cash doesn’t make it smart. Dear Dave, What is your opinion on paying cash for a “tiny house”? Wes Dear Wes, This may be a really un-hip or un-cool thing to say, but I wouldn’t buy a tiny house at all. Paying cash for something like that might make the mover smarter, but that still doesn’t mean it’s a smart choice. Now, don’t take what I’m saying the wrong Dave way. I don’t have a problem with people who build tiny houses or buy them. My problem with these things is that there’s no track record on them. There’s also a pretty good chance they’re going to be just a fad. Another problem is that you’d have a really small market when it comes time to sell your tiny house. In other words, they probably won’t go up in value like a traditional home. They may actually lose value over the years. There’s a thing in economics called the supply-demand curve, and from what I’ve seen tiny houses also have a tiny demand and pretty narrow market appeal. Their appeal seems to be mostly for early adopters and people who think they’ll never be able to afford a house. That means they’re not going to have broad appeal when you get ready to sell them, either. And that creates a problem. I could be wrong, though. I mean, if enough people buy tiny houses and they become a real part of our culture, then maybe they’ll do okay. But right now it’s an unproven product line and an unproven concept. So I wouldn’t buy a tiny house. Honestly, I wouldn’t even buy one at half of its current value because I’d be afraid it would drop to a fourth of its value. There’s just no proven record at this point of these things going up in value. —Dave RAMSEY Did dad do her wrong? Dear Dave, My father loaned my husband and I money 20 years ago to help us start a business. The business eventually failed, and it forced us into bankruptcy. After this, we never seemed to get around to paying him back. He died earlier this year, and when we got together with my brother and sister for the reading of the will, we realized he had deducted the amount of the loan from my inheritance. Everything was equal between us before that. I think that’s wrong. What’s your opinion? Karen Dear Karen, I’m really sorry about your dad. I’m also sorry this was never taken care of or discussed while he was still alive. There are a lot of emotions at play, so I don’t want to beat you up too much. But legally, he didn’t have to leave you anything in his estate. The stuff we’re talking about, money included, was his to do with as he saw fit. It was a little odd that he didn’t address this with you beforehand, but there are lots of instances where kids get nothing from an estate or not as much as others. It’s not uncommon. In my mind, and, from the sound of it, his too, he left you an equal share minus what you still owed. He loaned you the money, and he had the right to set terms on that. I understand your frustration. You feel like he took something away that was yours. My point is it was never yours; it was his. I know it still hurts though. This is one of the reasons I advise never borrowing money from, or loaning it to, relatives. The best of intentions can end up in places like this. —Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven bestselling books. The Dave Ramsey Show is heard by more than 11 million listeners each week on more than 550 radio stations and digital outlets. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Leaders Recognized For Their Service To South Dakota’s Veterans PIERRE, S.D. – County and tribal veterans’ service officers (CTVSO) and staff from the South Dakota Department of Veterans Affairs (SDDVA) were recognized for their dedication to serving veterans and veterans’ families at an awards program Tuesday, Aug. 23, in Pierre. The annual event, organized by the South Dakota Department of Veterans Affairs, was held in conjunction with the veterans' benefits training conference for CTVSOs. “The South Dakota Department of Veterans Affairs and our CTVSOs are here to serve all veterans from every conflict and every generation who have defended our nation and the American way of life,” said Larry Zimmerman, SDDVA secretary. “It is important to recognize individuals who provide outstanding service. These leaders enhance the lives of our veterans and their families and they carry out our mission to be the voice for our veterans. Their recognition is the culmination of hard work, caring and being the best of the best.” “The SDDVA staff and the county and tribal veterans’ service officers network labor tirelessly to make certain our veterans receive their benefits,” said Deputy Secretary Aaron Pollard. “I’m very proud of this year’s award recipients for their personal dedication and contributions to our team and to our veterans.” Pollard noted that with so much talent and dedication within this network it is challenging to select just one winner each year. Dan Cullen, veterans service officer for Fall River County in Hot Springs, received the 2016 County Veterans Service Officer of the Year award. Dan was recognized for his outstanding commitment to veterans, submission and completion of accurate forms, his communication skills and his compassion to enhance the lives of our veterans by securing their ben- efits in a timely fashion. David Schaefer of Hamlin County in Hayti received the 2016 Outreach of the Year award. David was instrumental in developing a new program in his county to increase community awareness about hiring veterans. “We Didn’t Forget….We Hired a Vet,” was a campaign vision of Schaefer’s to build strong relations between employers and veterans. Schaefer recognizes businesses that hire and employ veterans. Peg Raml, assistant CVSO for Codington County, was awarded the 2016 Partner of the Year award. Raml was recognized for her compassion, commitment, knowledge and professionalism when assisting South Dakota’s veterans. Jeri Smith, SDDVA executive secretary, was awarded the SDDVA 2016 Employee of the Year award. Smith was recognized for her commitment to the Department’s partners. “Jeri has been an asset to our team as we Finding New Meaning In Life By Daris Howard John had been going to the prison every week for six years to teach a Sunday School lesson to the men who wanted to attend. Every week for that whole six years Dan had attended faithfully, dressed in a cowboy shirt, levis, cowboy boots and bolo tie. John was careful to never ask the men what they were incarcerated for, but he could see that Dan was a good man, and he just had to know. But it wasn’t Dan he asked. He scheduled an appointment with the warden. The warden welcomed John into his office and invited him to have a seat. When John mentioned Dan, the warden smiled. “Dan’s story is an interesting one. He was in his late twenties when he came here. He was convicted of petty theft, but the punishment was a life sentence, with twenty-years minimum. It was fairly obvious the punishment didn’t fit the crime and that the judge or someone had an axe to grind.” “How long has he been here?” John asked. “Twenty-three years,” the warden replied. “So why doesn’t the parole board parole him?” “I’m sure they would if he asked,” the warden replied. “But Dan doesn’t know what to do with his life now. He’s been here so long he doesn’t think anyone would want him. He’s a cowboy, and what little he stole was related to work, so he said he can’t go back there.” John thought about it a lot, and the next week he went to visit with the warden again. “Can I take Dan on a furlough for a day?” John asked. The warden nodded. “Absolutely.” After the Sunday School class that week, John intercepted Dan as he was leaving. “Dan,” John said, “I want to take you to church with me outside of the prison next week.” “Oh, no,” Dan said. “I wouldn’t know how to act or how to answer people when they ask about me.” “You’ll be with me,” John said. “I’ll take care of it.” The next week, Dan came to Sunday School as usual, and afterward, though he was nervous, he walked out of the prison with John. When they arrived at church he was greeted as a friend. When someone asked Dan where he lived, John simply gave them the name of the town where the prison was. When they asked what Dan did, John answered that Dan was in finance. After church Dan went home with John’s family and ate dinner. Then he sat in the big easy chair and read stories to the children. He seemed to enjoy that most of all. When John took Dan back to the prison, they drove along silently. But when they arrived, John took Dan by the hand and looked into his eyes as he spoke. “Dan, there’s a big world out there, with lots of good people. You have a good twenty years or more of your life to work. You could be a cowboy again, and maybe even have a family. Don’t try to go back to where you were; go to a new state and start over.” Dan didn’t say anything, but just nodded. The next week when John started Sunday School, Dan wasn’t there. He quickly learned that Dan had asked for, and received, parole. John learned pieces over the next few years as Dan sent short messages to the prison for him. John found out that Dan had gone a couple of states away to apply for a job as a ranch foreman. The man who owned the ranch had died and his wife was struggling to run it. Dan ran it well, and over time the widow was able to look beyond Dan’s past and fell in love with him. He helped raise her six children and became the most loving father and grandfather there ever was. John enjoyed the brief messages he received. But his favorite was the last one. “Thanks for helping me believe in myself. It is a big world out here, and there truly are a lot of good people.” John smiled and thought, “And Dan, you’re one of them.” branched out on new projects and programs,” said SDDVA Deputy Secretary Aaron Pollard. “She has a unique drive to take on more responsibility and continues to demonstrate her strengths as a leader within our Department and our network.” Former VSO’s Roy Farabee (Gregory and Charles Mix County) and Neal Lutke (Pennington County) were recognized by the County and Tribal Veterans Service Officers Association for their years of service to South Dakota’s veterans. Sen. Mike Rounds, a member of the United States Senate Committee on Veterans Affairs, joined the CTVSOs and the SDDVA staff Tuesday morning. Rounds thanked this team of leaders for the job they do and for communiBy Gov. Dennis Daugaard: cating with him and his team regarding the challenges they Summer activities and vacations are coming to an end and are facing within the VA footpractices for school-related events have begun. But there’s print. one final gathering to attend before summer is truly over – the South Dakota State Fair, which runs from Sept. 1 to Sept. 5 in Huron. This is the 131st year of the great South Dakota get-together and this year’s theme is “Thrills, Squeals and Ferris Wheels.” Attendance, revenue and camper numbers all showed increases last year. With this year’s fair providing an excellent mix of Yankton—Following a survey of over While South Dakota’s statistics were Lutheran Social Services is a pri- new events and fair favorites, we hope to see increases again 31,000 Americans, the FINRA Investor slightly better than the national average, vate non-profit social service agency. this year. My sister and I were 4-H members growing up and we always Education Foundation has released the the LSS Center for Financial Resources Last year, 50,700 lives were touched results from their 2015 study. Evaluat- (CFR) continues to see the broader im- through a variety of services offered were hopeful of exhibiting at the State Fair. My sister showed ing trends since 2009, the study looks at pact of the issues outlined in the FINRA through LSS statewide. Core services a dairy cow that earned her a purple ribbon. One year, I gave the financial capability of Americans on study. offered by LSS include adoption, preg- a demonstration on how to run an audio cassette tape player, a national and state-by-state level. “Our clients often come in with nancy counseling, foster care, kinship which was considered new technology at the time. Members Specific data included: anxiety, stress, and even depression services, childcare & education, disas- of 4-H still participate in the dairy show, demonstrations and • 56 percent of South Dakotans re- because of their financial situations,” ter response, mental health counseling, many other project areas during the fair. Some new activities at the South Dakota State Fair this year ported spending all or more than what states Sylvia Selgestad, a counselor with Fatherhood & Families, Center for Fiare cheese sculpting, a ranch rodeo, team penning, the Dole they make, putting nothing into savings. CFR. “For most people, there are op- nancial Resources, residential services • 19 percent of South Dakotans re- tions available to address their financial for children & youth, detention alterna- Canned Fruit Dessert Baking Competition and a ‘Fair’Cycled ported having over due medical bills, challenges, but because of the emotions tives, independent living services for Art Competition. A public Dedication Celebration Ceremony for the new Noronly 2% less than the national average. involved, they aren’t sure where to be- young adults, mentoring, Better Togeth• 26 percent of South Dakotans re- gin. Our counselors give them direction er, and Center for New Americans. LSS dby Exhibit Hall for 4-H, Youth & Community will be held Sunported only paying minimums on credit and encouragement towards making fi- serves people of all ages, races, faiths day, Sept. 4, at 4 p.m. Thanks to a very generous contribution cards, which may stretch a payment nancial progress.” and economic levels with professional, from the late Earl Nordby together with support from many plan more than 30 years and more than CFR provides both individual finan- confidential and affordable services. other individuals, businesses and organizations, this facility triple the total payback amount. cial counseling and group financial lit- LSS services are licensed by the state replaces the old Clover Hall building and will be in use by 4-H • 56 percent of South Dakotans an- eracy education across eastern South of South Dakota and accredited by the members during the fair. The State Fair is part of the South Dakota Department of swered 3 or fewer questions correctly Dakota. CFR’s services are available in Council on Accreditation. Agriculture, but other state agencies participate in the fair as on a basic, 5-point financial literacy quiz. person, over the phone, and online. well. As you walk about the grounds and through the buildings, you will see Game, Fish and Parks, Tourism, Health and others. The Department of Public Safety is holding “Drive Safe SD Day” Sunday, Sept. 4, in the Day Sponsor Tent where fairgoers can CELEBRATION play games, register for prizes, watch Highway Patrol police Padders Clearance dog demonstrations and learn more about the department’s agencies. Another exhibitor is Driver Licensing and from 9 a.m. to noon Sunday in the Day Sponsor Tent, you will even have an opportunity to renew your driver’s license. Bring in two docuOctober 10-12, 2016 ments showing proof of physical address (such as vehicle reg$179.00/person double, $239.00/person single 312 W. 3rd Yankton • 665-9092 istration and vehicle insurance) plus the actual driver license Transportation, 2 nights lodging at Mineral Palace you want to renew. Staff will be there to help you. In downtown Deadwood, Wine & Cheese Reception, Again this year, there will of course be tasty fair food, carnival rides, games and unique activities. Enjoy bull riding or Hot Breakfast Buffett, $20 meal voucher, one of the concerts in the grandstand each evening. No matter $10 slot play per day, Slot Tournament entry your interest, you’re bound to have a good time. Pick up in Norfolk, Yankton, Tyndall, Mitchell For more information on State Fair events, contact the Fair Please call for reservations office at 800-529-0900, visit sdstatefair.com or find them on FaNavigator MotorCoaches • 1-800-634-8696 cebook or Twitter. www.NavigatorBus.com The Great South Dakota Get-Together FINRA Releases Study On Financial Capability Navigator Tours Boston Shoes to Boots Let’s Go to Deadwood! In Concert Suzy Bogguss Labor Day Early Deadlines Tired of clogged gutters? Friday, September 9th, 8:00 p.m. SCHIFERL’S 7 miles south of Yankton WJ RANCH Receive 30% OFF all Gutter Covers with purchase and installation of new Seamless Gutters Tickets: 402-357-2102 or Online: www.schiferlswjranch.com Thank you to these sponsors: Mark’s Machinery, Yankton First Dakota National Bank, Yankton Crofton Farm Supply • Doyle Stevens Construction, Crofton Clark’s Rentals, Yankton • Fordyce Coop Town & Country Insurance, Crofton • Al & Debby Larson, Fordyce West Hodson Lumber, Crofton • Yankton Livestock Lewis & Clark Lodge, Crofton • Print Source, Yankton FALL GUTTER COVER SALE Will be closed on Monday, September 5th for the Labor Day holiday. Good through Sept. 17th, 2016 The deadlines for the September 6, 2016 issue are: Display Advertising: Thursday, September 1 at 11 AM Classified Advertising: Thursday, September 1 at 11 AM Canton, SD 605-764-9517 www.jimwoodsroo?ng.com