2 Broadcaster Press March 19, 2019 www.broadcasteronline.com Dave Says A Check We Can’t Cash Finances Before, And After, The Wedding Dear Dave, I’m getting married this summer, and I’m on Baby Step 4 of your plan. My fiancé is getting onboard with your advice, too, and she’s currently in the process of paying down her student loan debt. Would it be a good idea to go ahead, and put most of my emergency fund savings toward helping pay off her debt now? Aaron By Daris Howard Length Of Coverage? One of the jobs that I have as Scoutmaster is to help teach the boys about serving others. Winter is good for that. There are always people who need wood chopped or hauled, and in a winter like this one, there is lots of snow to shovel. One winter, we were receiving more requests for snow shoveling than my troop could keep up with. The moisture was coming down as slush and freezing solid on everything it touched. It was not only heavy, but it locked itself solidly to any surface. It had to be chipped off of roofs. Dear Jenny, Many farm buildings were caving in before they could be Congratulations on being super smart with your cleared. money! It sounds like you two are starting out on the Dear Aaron, One Sunday, while I was standing in the foyer at right foot. Dear Aaron, church, one of our community members walked in. Harry Generally, I recommend 15- or 20-year level term Dave You’ve got a generous heart, was covered in scrapes, bruises, and bandages. Both eyes policies—unless you have children. Since you didn’t and I know you love this lady, were black. He didn’t look good at all. mention any kids, I can only assume they’re not in the but I wouldn’t recommend being “Harry, what happened to you?” Bart asked. picture at this point. However, if you two decide to grow involved in paying any of her debt Harry looked a little sheepish as he answered. “Well, your family in the future, I’d advise converting those to until after the wedding. At that point, you two are joined the snow was building up on my shed, and I realized there 30-year term policies. You’ll want the insurance there to together as one, and the concepts of “mine” and “hers” were two problems with it. First, the weight was making protect everyone in the family, until the kids are grown and “his” disappear. It all becomes “ours,” and you can and out on their own. In the years after, continued saving the rafters bow, and secondly, the ice must have pushed adjust your money situation to reflect your marriage and and wealth building will lead you to a point where you’re open some of the tin, because water was dripping inside. I your financial makeover as a couple. decided that I would get up on the roof and shovel off the both self-insured. Make sure that “we” have an emergency fund of at snow and screw the tin down. You two have done an excellent job with your financleast $1,000 in the bank at that point. Then, if you’re both “I found my ladder, got my drill and shovel, and climbed es. Keep up the good work! in agreement on the issue, you can throw the rest of what up to the roof. I found the ice was much harder to break —Dave you previously had in your emergency fund at the debt. off than I thought it would be. I decided to get some off the Both of you can also pile up cash between now and the * Dave Ramsey is America’s trusted voice on money and edges to take off some weight, then I’d just cut a section big day, so that when you’re “official” you’ll have even business, and CEO of Ramsey Solutions. He has authored up along where the roof was leaking so I could tighten the more cash on hand. seven best-selling books, including The Total Money Makeotin down. I was able to get the ice off the edges of the roof Congratulations, and may God bless your lives tover. The Dave Ramsey Show is heard by more than 12 million okay by moving along them and chipping at the ice while gether! listeners each week on 575 radio stations and multiple digital standing on the ladder, but cutting a path up the section of —Dave platforms. Follow Dave on Twitter at @DaveRamsey and on the roof where it was leaking was a lot harder. the web at daveramsey.com. “I eventually got a path cut through the ice, but the exertion made me gasp for air. I had just finished taking off enough ice so I could put the screws into the roof, and I was reaching for the drill when I suddenly felt dizzy. The next thing I knew I was waking up on the ground, almost frozen to death. I have no idea how long I lay there, but it was getting dark.” “As banged up as you are, that must have been quite a fall,” Ben said. Harry shook his head. “That wasn’t where I actually PIERRE, S.D. – The State Archives The Secretary of State’s office is1919. Information includes dealer got really hurt. Oh, I was a little shook up, and had a few of the South Dakota State Historical sued the motor vehicle licenses from name, license number, town and Broa bruises, but the thought of not even remembering what Society recently added dcawebsite nl1905-1911. The records,2x1 to its stero ine contained in county, date and year the license .com searchable indexes to motor vehicle two leather-bound volumes, include was issued, and types of cars sold at had happened was what bothered me the most. I got up and was really stiff and sore, and I struggled to walk to the licenses issued from 1905-1911 and the license number, automobile the dealership. house I realized I should get some help to finish the job. automobile dealer licenses issued owner’s name, town, make of motor, Volunteers with the State ArBut that was when I realized I had left the drill up on the from 1913-1919. vehicle horsepower and available chives were tasked with adding roof.” Visit the State Archives website signals on the automobile. the information into a searchable Harry grinned in embarrassment, and we grinned, too. at history.sd.gov/archives. A link is “We’ve received a fair amount database. Every one of us grew up on a farm, and we all had a strong found on the Collection Indexes page of requests from people with old “We are thankful to the volunteers independent streak. to Automobile Licenses/Dealers. license plates looking to connect the who’ve worked on this project the 3x1 “In the meantime,” Harry continued, “while I laid there, The first auto license was issued plate with the owner and vehicle,” last few years,” said Somsen. the moisture had frozen on the tin I had cleared. I stepped to Jason T. Bigelow of Flandreau in said South Dakota State Archivist For more information, contact on the tin and had just reached out and touched the drill March of 1905. The vehicle had a Chelle (“SHELL-ee”) Somsen. the State Archives, located at the 4.5-horsepower Olds Motor Works Auto dealer licenses were also Cultural Heritage Center in Pierre, at when I slipped. I do remember that fall as I came flailing engine and featured signals of a gas issued by the Secretary of State. The 605-773-3804 or archref@state.sd.us. off the roof. I was even still awake after I landed, and I immediately sat up. But then something hit me on the head. lamp and bell. auto dealer records date from 1913It was probably an hour or two later when I woke up, and the drill was laying by my face.” We were all glad Harry was all right. But the men couldn’t help but give some good-natured teasing. “That’s one thing about it,” Bart said. “A person never has to worry about falling off a roof because the ground is always there to catch him.” “I don’t mind the fall,” Ben said. “It’s the sudden stop at 4x1 the end that I hate.” Harry smiled at their teasing. “You know what I hate?” Thank you! he said. “I hate getting old and having my mind write To all the wonderful neighbors checks that my body can’t cash.” Dear Dave, My husband and I are 24, we’re debt-free, and we’re just a few weeks of saving away from having a fullyfunded emergency fund. Each of us has a 401(k) plan at work, and right now we’re concentrating on life insurance purchases. You always recommend term insurance, but how long should the coverage last? Jenny RAMSEY State Historical Society Puts List Of Early Automobile Licenses, Auto Dealers Online Broadcasteronline.c om Broadcasteronline.c om FOR SALE on East Cherry Street who, on March 12th, helped remove snow which was blocking two culverts and backing up water on my property. 32171 Ponderosa, Burbank, SD 57101 House: $19,500 OBO / Garage: $2,500 OBO House: 1,600 Sq. ft. / 3 Bedroom / Baths: 1-Full, 1-3/4, 1-1/2 Garage: 30’ wide x 40’ deep Both to be moved Call Dean Becker@ 402-640-3761 Thank you so much! Your kindness will not be forgotten. G.W. You deliver. We deliver. SALE 9 W. Main Vermillion 2600 Sq. ft. of Commercial Property With Full Basement Paul Hasse 670-1068 PIERRE, S.D. – South Dakota students, educators, researchers and others now have easy “click and go” access anywhere within state boundaries to high-quality electronic resources provided by the State Library to school and public libraries and all citizens statewide. “Thanks to a service called GeoIP authentication, Yankton routes now residents can access these electronic resources for available. (Enjoy short homework help, college and career test prep services, genealogy resources, popular magazines, audio e-books early morning hours for early learners and more without physically entering a Monday–Saturday) library,” said State Librarian Daria Bossman. Previously, when outside of a library, users needed a State Library e-card number and password to access these resources. The electronic resources can be found at https://library.sd.gov/LIB/ERD/access/complete.aspx. School, academic and public libraries remain ‘hardCall Steve at wired’ for reliable access, and State Library e-cards 605-665-7811 319 Walnut Street, Yankton, SD • www.yankton.net remain available. For more information, contact your local librarian or the State Library at 1-800-423-6665. The State Library’s electronic resources are With the recent passing of Donald Gregg provided for free to all of Vermillion, I would like to thank South Dakota residents Dr. Thomas Olson and the staff for taking through a combination of such good care of my husband. funding from the South I am grateful for all the staff at Prairie Estates Care Dakota State Library/Department of Education and Center for their tender service and care. I would like to thank hospice for helping Donald. federal funding through the Library Services and I appreciate the American Legion for the flag, pin, Technology Act and the and tribute to Donald’s service in the military. Institute of Museum and I express my gratitude to the Kober Funeral Home Library Services. Congratulations To The Tanagers Girls Basketball Team For A Wonderful Season! All the best to the seniors in your future endeavors, especially our granddaughter Rachel Brady! You are all awesome!! “Click And Go” Access To High-Quality E-Resources Now Available EARN EXTRA CASH! Thank you! for their professional service. I would also like to thank all our family members, neighbors, and friends who have been kind and generous to us for many years. Grace Gregg, Vermillion SD Buy Local! Shop the Classifieds!