February 7, 2017 • Page 6 shop online at www.missourivalleyshopper.com Dave Says You’re Using It Wrong back to our home state to be closer to family. We’ve found a home Dear Dave, I take classes online at a public uni- we’re interested in, but it has a large utility tower on the property versity that is several hours from my not far from the house. Should we still consider this home? home. I tried to pay for my classes Denise the other day, and my Visa debit card was not accepted. I got a message saying credit cards and cash were Dear Denise, the only payment options. How can The downsides are simple. One, you’ve got to look at the stupid I take care of this without wasting an thing every time you’re sitting on your patio. Two, when you get entire day driving to campus to pay ready to sell it, everyone who looks at the house is going to have the same concerns you have. It’s not going to appreciate in value, with cash? and you’re going to have trouble selling it when time comes. Amy www.missourivalleyshopper.comtheyou might get If you’re willing to put up with those two things, a steal of a deal on this place because no one else may want this Dear Amy, Don’t worry, there’s no need for you house. And when I say a steal, I’m talking around 40 percent off Dave to drive all the way to campus and back the appraisal. To me personally, it would be enough of an eyesore just to pay for your classes. You can run a that I probably wouldn’t buy. Again, that’s just a personal opinion. debit card like it’s a credit card, and they Keep in mind that if you go through with this, when you get will accept it. The machines don’t recog- ready to sell it you’re going to lose out on any money you gained nize the difference, whether you type in a credit card number or in the buy. Someone is going to do the same thing to you. I’m not completely killing the deal, but I definitely wouldn’t buy it to live a debit card number. Just select “credit” when it asks for payment method. It’s just in. As a rental? Maybe, if I were going to keep it forever. Because like when you step up to pay for something at the store and they people will always rent. But honestly, I wouldn’t want to put up ask the old credit or debit question. You say credit, so you don’t with the hassle in either scenario. have to enter your PIN (personal identification number), and it all — Dave stays in the Visa system. You’re just using it wrong, and that’s why you’re having trouble. Just remember this in the future, and best of luck with your * Dave Ramsey is America’s trusted voice on money and busiclasses! ness, and CEO of Ramsey Solutions. He has authored seven best— Dave selling books, including The Total Money Makeover. The Dave 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 Ramsey Show is heard by more than 12 million listeners each have her first name to fall back on. Doc’s a true pal, of course, but there’s no way he’d beweek on 575 radio stations and multiple digital platforms. FolDear Dave, low Dave on Twitter at @DaveRamsey and on the web at dav- tray his missus on this. We did ask him one time if he actuMy husband and I have been debt-free, except for our mortgage, eramsey.com. ally knew her first name. He gave us the strangest look and for a few years now. Recently, we’ve been thinking about moving 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. RAMSEY www.missourivalleyshopper.com www.missourivalleyshopper.com www.missourivalleyshopper.com Consider the House? www.missourivalleyshopper.com www.missourivalleyshopper.com www.missourivalleyshopper.com 1305 Drivers 1330 Office Employment 1315 HUB INTERNATIONAL NOW HIRING! HUB International Insurance is seeking a full-time Processor for Personal Lines in Vermillion. Will provide administrative and clerical support to department members and assist with processing client and prospect needs in accordance with company ERESTED IN THIS SPOT? procedures. objectives and 665-5884 to place your ad here. Above average customer service and computer skills necessary. 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The successful candidate would also be engaged with crop and other farm research efforts as directed by the Operations Manager. Residing onsite may be required in order to care for livestock and respond to monitoring and surveillance needs on other projects as needed. The incumbent for this position will be responsible to carry out livestock research based on protocols provided by SDSU researchers. Review of applications will begin February 24, 2017. For questions on the position, contact Brad Rops at 605-563-2989 or Bradley.rops@sdstate.edu Please contact SDSU Human Resources at (605) 688-4128 or HR@sdstate.edu if you have questions or require assistance. Background check may3.8x3.5 be required. 2503 Fox Run Pkwy. Ste. #4 Yankton, 3.2x4 SD 57078 EOE. NO FEES. SOUTH DAKOTA STATE UNIVERSITY AGRICULTURAL RESEARCH ASSISTANT (CROPS) SDSU SOUTHEAST RESEARCH FARM The SDSU Southeast Research Farm at Beresford, SD, seeks to ?ll an Agricultural Research Assistant position, primarily working with crops. The person hired would also be engaged with livestock and other farm research efforts as directed by the Operations Manager. The incumbent for this position will be responsible for carrying out cropping systems and agronomic research based on protocols provided by SDSU researchers. For a full listing of the responsibilities and quali?cations, and to apply, visit https://YourFuture.sdbor.edu, search for the position, and follow the electronic application process. Review of applications will begin February 24, 2017. For questions on the position contact Brad Rops at (605) 563-2989 or Bradley.rops@sdstate.edu. SDSU accepts applications through an online employment site—to apply visit: http://yourfuture.sdbor.edu. Please contact SDSU Human Resources at (605) 688-4128 or HR@sdstate.edu if you have questions or require assistance. Background check may be required. Income Opportunity DRIVER TRAINEES NEEDED! Learn to drive for Stevens Transport! NO EXPERIENCE NEEDED! New drivers earn $900+ per week! PAID CDL TRAINING! Stevens covers all costs! 1-888-734-6714 drive4stevens.com M I S S O U R I VA L L E Y NEW HOME? this position will be responsible to carry out livestock r protocols provided by SDSU researchers. Review o Check 24, begin FebruaryOut 2017. For questions on the pos Rops at 605-563-2989 or Bradley.rops@sdstate.edu www.JWTramp.com SDSU accepts applications through an online employment site—to apply visit: http://yourfuture. sdbor.edu. SDSU accepts applications through an online employment site—to apply visit: http://yourfuture.sdbor.edu. 605-689-2005 Income Opportunity nani Hours: 8:00am 4:30pm Benefits available. JOB 216 W. 4th St. • YANKTON,SD 605-665-5884 applications for accepting d here. Yankton School District is accepting applications for Substitute Food Service Workers. Assist in food preparation, dish room, general cleaning and sanitation of work and serving areas, food packaging and distribution to satellite locations. Wage is $13.05 per hour. Apply online at www.missourivalleyshopper.com 05-665-5882 is now Sunset Manor Avera pot? Minor electronics repair. Ability to use Microsoft Access Database and Excel. High school graduate or GED equivalent. Experience preferred. The right job is just one click away. TODAY? NO PROBLEM! the following positions to join our excellent team of caring professionals: Maintain and repair audio visual systems and equipment. Other Employment 1360 Please contact SDSU Human Resources at (605) 688-4128 or HR@sdstate.edu if you have questions or require assistance. Background check may be required. Full-Time or Part-Time Medical Laboratory Technician/Scientist AA/EEO SOUTH DAKOTA STATE UNIVERSITY Responsible for the collection, processing and analysis of patient specimens, quality control, quality assurance and corrective actions. Performs instrument maintenance checks while troubleshooting instrument problems. AGRICULTURAL RESEARCH ASSISTANT (CROPS) SDSU SOUTHEAST RESEARCH FARM The SDSU Southeast Research Farm at Beresford, SD, seeks to ?Qualifications: ll an •Board Agricultural Research Assistant position, primarily working with crops. Certified MLT or MLS The person hired would also be engaged with livestock and other •Two years of medical facility farm experience recommended research efforts as directed by the Operations Manager. The incumbent for this position will be responsible for carrying out cropping systems•Thorough knowledge of CLIA and standards and regulations agronomic research based on protocols provided by SDSU researchers. For a full listing of the responsibilities and quali?cations, and to apply, Benefits include: • visit https://YourFuture.sdbor.edu, search for the position, and follow401K • Profit sharing, the electronic application process. Review of applications will beginvacation and sick time February 24, 2017. For questions on the position contact Brad Rops at Please visit www.lewisandclarkspecialty. (605) 563-2989 or Bradley.rops@sdstate.edu. SDSU accepts applications through an online employment site—to apply visit: http://yourfuture. sdbor.edu. Please contact SDSU Human Resources at (605) 688-4128 or HR@sdstate.edu if you have questions or require assistance. Background check may be required. com/careers.php or call 665-5100 for application. Completed applications and resume can be sent to: 2601 Fox Run Pkwy., AA/EEO Yankton, SD 57078 Attn: Human Resources AA/EEO Lewis & Clark Specialty Hospital is an equal opportunity employer. Physician owned.