061615_YKMV_A2.pdf
June 16, 2015 • Page 2
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Dave Says
He May Be A Dreamer
BY DAVE RAMSEY
meetings, too. In the
process he might sell
a few books from a
table in the back of
the room, and I know
he’d get lots of valuable experience while
building his name.
It may take longer
than he’d like, but
that’s a much better
Dave
idea than the one he
has now. It allows him
to work toward a goal
and not put his family
in financial danger. Then, once he’s
making a nice income on the side from
writing and speaking engagements, you
guys can look at the numbers and see
if it’s feasible for him to dive in on a
full-time basis!
—Dave
Dear Joelle,
Yes, you can. I’m glad you’re keeping in mind that you have a legal and
moral obligation to pay your debts. But
collectors have rules they must follow,
also. They’re governed by law just like
everyone else.
If they call you at work again, simply
remind them of the terms of the payment agreement already in place and
demand that they never call you at your
office again. Also, send them a certified
letter, return receipt requested, so that
you’ll have proof you sent the letter
and they received it. In the letter, let
them know that according to guidelines
set forth in the Federal Fair Debt Collection Practices Act you are formally
demanding that they not call you at
your office again.
If they call you at your office after
you demand that they stop, they’ll be in
violation of federal law. And if that happens, let them know that you’ll be talking to a lawyer and you will sue them!
—Dave
Dressing for the
Job on Dairies
BROOKINGS, S.D. - A good share of dairy producers, are
now providing their employees with some type of uniform.
When deciding what their employees should wear while working with their dairy herd, Tracey Erickson, SDSU Extension
Dairy Field Specialist encourages dairy producers to consider
safety and comfort.
Let’s start at the top
“If if you are going to be outside for more than an hour,
even on cloudy days you will want to consider wearing a hat
with a brim around the entire cap, to provide some protection
from UV rays and potential skin-damaging sunburn,” Erickson
Dear Christy,
said.
It sounds to me like your husband
She adds that eye protection should also be considered.
has a good heart, but I think it would
“Safety goggles or glasses should be required by all employbe a huge mistake for you guys to sell
your home when he hasn’t proven that
ees,” Erickson said. “Employees often deal with many differhe can sell anything he writes or says.
ent chemicals or hazardous objects that have the potential to
I understand where his head is at right
“propel” and could possibly end up in the eye.”
now. He wants to help people, and
When it comes to eye protection, Erickson reminds
that’s a noble cause. But being a motireaders that there are many types available in the market.
vational writer and speaker can be an
STAND UP TO THEM
addictive thing. For some folks, signing
“Remember, if they are not comfortable and affordable they
books and being on stage are almost a
Dear Dave,
will not be purchased or worn.”
high; they can make you feel alive. But
I have a debt with a collection
Dress in layers
the whole idea can draw you into the
Dave Ramsey is America’s trusted
agency and they have started calling
Because employees and producers are often exposed to
land of financial stupidity if you’re not
voice on money and business. He has aumy office. Last week, I made an agreevaried risks within their job, Erickson said clothing should be
careful.
ment for monthly payments, along with thored five New York Times best-selling
My advice would be for him to
an initial payment. All of a sudden, they books. The Dave Ramsey Show is heard fairly tight fitting and free of tears or strings that can become
keep his day job, and work his tail off
by more than 8.5 million listeners each
were calling me again this morning at
entangled in PTO’s or caught on equipment. “Durability,
nights and weekends to try and make
week on more than 550 radio stations.
my office. Can I legally demand that
along with breathability, is important when selecting fabric,”
this dream a reality. Let’s draw up an
Dave’s latest project, EveryDollar, prothey not call me at my place of employshe said. “Remind employees, that when they are buying
internet strategy to get some exposure
vides a free online budget tool. Follow
ment?
coveralls, to take into account, the ability to put on layers of
for the books he has already written.
Dave on Twitter at @DaveRamsey and
—Joelle
He could contact local civic groups, and
on the web at daveramsey.com.
clothes underneath them.”
offer his services as a speaker for their
Finding the perfect fit may take a little effort. “Even though
we want clothing that fits and is not baggy, it needs to allow
the person to sit, stretch, squat and bend,” Erickson said.
Footwear
Oftentimes, we talk about wearing leather boots and hard
Haley Brown, Ponca,
Quinn, S.D., claimed the
BROOKINGS, S.D. - Ten
time CNFR qualifier in
soles to protect our feet in case an animal steps on them or
Neb., is a senior qualifying
bareback riding and was the
Great Plains Region Team
members of the South
while operating equipment. However, Erickson said leather
for the CNFR for the first
Roping Heeling Champion
Dakota State University
Great Plains Region Baretime in Breakaway Roping.
title in both 2014 and 2015.
back Riding Champion in
Rodeo Team have qualified
may not provide the best protection if the primary job of the
She claimed third place in
Marshal Peterson, Ashboth 2014 and 2015.
to compete in the Colemployee deals with a lot of moisture and chemicals, such as
the Great Plains Region in
Cody Miller, a junior from land, Neb., is a senior and
lege National Finals Rodeo
the milking parlor or the free-stall barn.
Breakaway Roping in 2015.
second-time CNFR qualifier.
(CNFR) in Casper, Wyo., June Dillon, Mont. is making his
“Rubber boots with non-skid sole, and some arch support
Tarin Hupp, a junior from are good choices, as they protect the foot from excess moisPeterson holds Great Plains
14-20, 2015. The team had a
second trip to the CNFR in
Huron, S.D. is making her
Region Tie Down ChampionSaddle Bronc Riding after
strong showing during the
ture and can be easily cleaned,” she said. “Steel toed rubber
third trip to the CNFR in
ship titles from both 2015
finishing the 2015 season
2015 season with the SDSU
boots, should be considered if available, as they add extra
Goat Tying. Hupp is the 2015 protection if stepped on by an animal.”
and 2013.
Men’s Team finishing first in
ranked second in the Great
Calder Johnston, a senior Great Plains Region Goat Tythe Great Plains Region and
Plains Region.
She added that socks that help wick moisture away from
ing Reserve Champion and
from Elm Springs, S.D., is a
the Women’s Team earning
Blake Dunsmore, a junior
the foot are also important; otherwise employees could end
the 2014 Regional Champion.
three-time CNFR qualifier
from Forrest Lake, Minn., is
third place regional honors.
up with athlete’s foot due to the high moisture environments
“I am very proud of the
in Steer Wrestling and Tie
first-time CNFR qualifier and
Senior Nick Schwedhelm, Ft.
that they work in.
SDSU Rodeo Team and our
Down Roping in 2013, 2014
Calhoun, Neb., heads into
2015 Great Plains Region
Hands
Rodeo Club,” says Ron Skovand 2015. Johnston was
the CNFR competition as the Champion Bull Rider.
On a dairy, employees working in the milking parlor
second in the All Around and ly, SDSU Rodeo Team Coach.
nation’s top-ranked college
Ryan Knutson, a sophoshould wear rubber gloves. “The increased amount of mois“The Men’s Team won six of
more from Toronto, SD, is
third in Tie Down Roping in
bareback rider.
the 10 regional rodeos, while ture exposure and chemicals used in pre and post dipping
the Great Plains Region in
Schwedlhelm is a threealso a first-time CNFR qualiof the udder and sanitation of the equipment will damage
the Women’s Team finished
2015.
fier after finishing the 2015
the skin,” Erickson said. “If employees are not working with
third in the region out of 10
Hope Petry, sophomore
season as the third-ranked
chemicals, other types of gloves are ok.”
60K + Bonus +
teams. I know our qualifiers
Bull Rider in the Great Plains from Hudson, Iowa, is a
There are many styles, including cotton, leather, rubber,
Incentives/Full Benefits
will all do a great job of
two-time CNFR qualifier in
Region.
representing SDSU Rodeo in nylon, or a combination. Things to consider are fit, durability,
Breakaway Roping and 2015
Trey Richter qualified
OUTSTANDING
protection provided given the hot or cold environment and
Casper this year.”
Great Plains Region Breakfor the CNFR for the second
PAY PACKAGE
Participants representing price.
away Roping Champion.
time. The sophomore from
Sign On Bonus
150 different universities will
“Other protective items that should be provided to emMileage Pay
be competing at the CNFR.
ployees are dust masks because of the dirt, dust, and molds
SDSU has had 65 team mem- in the environment in which work is being performed,” ErickOn Duty Pay
bers qualify for the CNFR
son said. “I also encourage everyone to consider sunscreen.
Per Diem
during the past six years.
Even though this is technically not a type of clothing, it is still
and
?iGrow an important piece on the attire that should be worn with
constant exposure to the sun.” ?iGrow
Dear Dave,
We’re debt-free including our home.
My husband is a man of faith, but a bit
of a dreamer. He has written several
inspirational books that haven’t sold,
but he feels this and public speaking
are his calling. He wants us to sell the
house, and live on the proceeds for
a year, while he pursues this dream.
What do you think of the idea?
-—Christy
RAMSEY
SDSU Rodeo Takes 10 to Nationals
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Phone: 605-665-7587
Text: 434-665-2467
www.yanktonbaptistchurch.com