shop online at www.missourivalleyshopper.com January 23, 2018 • Page 9 One South Dakotan’s Dave Says Purple Heart Story, 73 Years Overdue No Cash Businesses? Dear Dave, Dear Jen, What is your opinion of businesses Everyone likes having fun, and there’s nothing wrong with spendthat no longer accept cash? ing some cash if you can afford it. I just want people to make sure they have their finances in order first. Heath I recommend completing the first three Baby Steps before you run out and buy a bunch of toys. Just to review, Baby Step 1 is Dear Heath, Honestly, I think the whole scenario saving $1,000 for a starter emergency fund. Baby Step 2 is where is kind of silly. Businesses that are you pay off all debt — except for your home — using the debt suddenly into the “no cash” thing lose snowball method. In Baby Step 3, you go back and fully fund your out on a lot of transactions. Believe it emergency fund with enough cash to cover three to six months or not, there are still tons of people of expenses. out there who make purchases only Completing the first three Baby Steps puts you on pretty solid with cash. So, from a business own- financial ground. At this point, once you’ve saved up the cash, it’s er’s perspective this philosophy can okay to take a vacation or buy a reasonably-priced toy. But don’t have so much fun that you forget about the other Baby Steps. cut into your market share. Dave I really don’t spend a lot of time thinking or Baby Step 4 means putting 15 percent of your income into pre-tax worrying about the situation, though. When retirement plans, like mutual funds and Roth IRAs. Don’t neglect it comes right down to it, most businesses are saving for college if you have kids. That’s Baby Step 5. Baby Steps doing that kind of thing for one or two rea- 6 and 7 are paying off the house early, and building wealth and sons. Some of them just think cash is old school, and they want giving like never before. to give the impression they’re cutting edge and into technology. Remember, there are only three things you can do with money — Others do it — depending upon the space they’re in — because spend, save, and give. You can do all three without putting yourself in a bind by following my plan! their sales using plastic are higher than with cash. — Dave I’m a cash guy. There are some situations where I might walk away if someone wouldn’t accept hard, cold cash, but in most cases I don’t think anything about it. I’ll just use my debit card, * Dave Ramsey is America’s trusted voice on money and busiand buy what I need. ness, and CEO of Ramsey Solutions. He has authored seven best— Dave selling books, including The Total Money Makeover. The Dave By Sen. Mike Rounds One of the important services that our Senate office provides to South Dakotans is assistance in dealing with federal agencies. Over the past three years that I’ve been in office, we have helped countless South Dakotans navigate the bureaucracy of the federal government. With such a large population of veterans living in our state, we often work with different agencies on behalf of veterans. In some cases, we’re able to assist veterans in receiving overdue ribbons and commendations that have been lost in federal paperwork. We recently had the honor of helping a veteran from Flandreau receive a long overdue Purple Heart Medal. Sylvan Vigness honorably served his country in World War II. On April 1, 1945, Mr. Vigness was serving onboard the U.S.S. Hinsdale when it was hit by a kamikaze during the Battle of Iwo Jima. Mr. Vigness lost sight in his left eye after the attack, and is permanently blind in that eye as a result. Amid the chaos of the attack, the mediRamsey Show is heard by more than 12 million listeners each cal records onboard the ship from that day were lost or week on 575 radio stations and multiple digital platforms. Follow destroyed, and because of that, Mr. Vigness was denied When Can I Have Some Fun? Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. the Purple Heart for decades. Dear Dave, The Vigness family has spent the past 25 years seeking At what point can you spend, and have a little fun, when you’re following the Baby Steps plan? a Purple Heart for Mr. Vigness, working with my predeJen cessors in the Senate to obtain this long overdue medal. The request was continuously denied because the Navy was unable to locate his medical records from the time of the attack. When the Vigness family contacted our office to look into obtaining the Purple Heart, we began putting together witness statements from his shipmates, along In Print and Online! with other materials related to his service and subsequent eye injury. We then sent a letter to the Secretary of the Navy, Richard Spencer, requesting the medal for Mr. Vigness, and I had an opportunity to speak directly to the Secretary about it at the Pentagon. On January 17, 2018, Secretary Spencer notified my office that at his request, under the direction of the president, Mr. Vigness, now aged 94, will finally receive the Purple Heart. Mr. Vigness is a hero who bravely defended his country in World War II, and is fully deserving of the Purple Heart Medal. We’re thankful to him for his service, and we’re thankful to his family and friends for not giving up on seeking this recognition for him. Like Mr. Vigness, the men and women who wear the uniform of the United States make incredible sacrifices to defend our freedoms and our way of life. I’m extremely grateful for the president’s personal interest in directing that special attention be paid to getting veterans their overdue medals, as well as for Secretary Spencer, who personally reviewed Mr. Vigness’ medical records and personal statement and awarded him the Purple Heart. If there are other veterans and families in South 319 Walnut St. Dakota who are seeking to obtain a medal or award, please reach out to our office and if we can, we’ll try to Yankton, SD 57078 help with that effort. Call or stop in to our Pierre, Rapid City or Sioux Falls offices any time. Location information and phone numbers can be found on our website, www. Contact a marketing representative at the rounds.senate.gov. RAMSEY Looking for the best deal in town? Check the CLASSIFIEDS! 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