March 20, 2018 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Not As Bad, But Still Not Smart Dear Dave, How do you feel about check cashing companies? Norman Here’s A Better Idea Dear Dave, Doc was just getting up to leave the philosophy counter I’m 27 years old, and I have no debt. In addition, I have a five- as Herb walked in. Herb was grinning and flexing muscles and month emergency fund of $14,000. Recently, I started a new had the look of eagles in his eyes. We stared. Dear Norman, job making $60,000. I’ve been offered a 401(k) with no match, “Herb,” said Doc. “You know, you can overdo a good Anytime insurance is there for but I was wondering if instead I should open a high-yield CD. thing.” sometI’m not a big fan of check Kris “Why Doc … whatever do you mean?” cashing companies. They’re not “I realize that getting more exercise is your resolution for nearly as bad as payday lenders, Dear Kris the new year, but a man your age … you need to pace yourbut it still seems kind of silly to me You’re doing very well at a young age. Congratulations! I’m self a little, that’s all. Don’t try to get in shape all at once.” there’s even a market for this kind glad you’re thinking about your financial future, too. But I’ve “Why Doc, I’ve never felt better in my life. Hey, you were of thing. If you want a place to cash got a better idea. Dave so right to get me on this exercise kick. I’ve been meaning to your checks and store your money, all How about opening a Roth IRA with good growth stock mu- thank you. It’s just what I’ve been needing. What would you you have to do is walk into a bank and tual funds inside? That would be my choice. Fund it up to think about my playing some football in the spring? I mean, open an account. $5,500 a year, and make sure the mutual funds have strong it’s just touch football, but I miss the ol’ razz-matazz, you I realize there’s a small segment of the population that some track records of at least 10 years. This investment — grow- know?” people in financial circles like to call “the unbanked.” This ing tax-free — will be superior to a non-matching 401(k) or Doc shook his head sadly and walked out. Herb started means that, for whatever reason, they avoid banks. That’s certificate of deposit. If you want to invest even more, you laughing and sat down with us and flipped his cup over for their choice, but in the process, they leave themselves sus- could then put additional cash into the 401(k) offered by his morning eye opener. ceptible to bad deals. your company. “What was that all about, Herb?” Dud asked. As I said, I don’t feel the same way about check-cashing With your income and maturity, plus the proper investment “A little joke I’m playing on Doc, that’s all,” Herb said. companies as I do about payday lenders. But it’s still not a fi- strategy, you’re likely to retire a very wealthy lady. Keep up “You remember how Doc has been on my case to get more nancially smart move to regularly pay a storefront operation the great work, Kris! exercise and slim down some? Well, there was only one way fees just to cash your checks. — Dave to shut him up, so I started running. I bought a sweat suit and — Dave started running. I run past his house each morning. Then, * Dave Ramsey is America’s trusted voice on money and business, about an hour later, I run past his house the other direction, and CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey huffing and puffing and looking at my watch.” “An hour? You run for an hour each morning?” Show is heard by more than 12 million listeners each week on 575 “Of course not,” Herb said, laughing. “I run past Doc’s radio stations and multiple digital platforms. Follow Dave on Twitter house then walk the block to the library. An hour later, I run at @DaveRamsey and on the web at daveramsey.com. past Doc’s house and then walk two blocks home.” We stared at him. “What?” he said. “You know Doc’s going to worry about me one way or the other. I just thought I’d change it up a bit.” Ramsey Clay County Auditor Carri Crum Appointed To Serve On US EAC Standards Board The Violin By Daris Howard I went to the high school orchestra concert and visited with people before it started. But when the lights dimmed, we all moved to our seats and quieted down. The youth came filing in, and the audience applauded. As the young musicians moved to their designated chairs, I smiled as I saw who the senior boy was who took the concertmaster chair. Nathan was a big, muscular boy who looked like he should have been a linebacker for a football team, not playing violin PIERRE, S.D. – Clay County Auditor Carri Crum has in an orchestra. But Nathan’s orchestra story started many been named the newest member of the U.S. Elections years earlier. Assistance Commission (EAC) Standards Board, filling He was always a big boy for his age, and everyone exthe vacancy of Jerry Schwarting of Mellette County, who pected him to play football. The school had one of the best resigned at the beginning of the month due to retirement. teams in the state, having won the state championship many The U.S. EAC Standard Board is made up of 110 memtimes. Those on the football team were quite popular in the bers of local and state level election officials representing school. So when Nathan got into fifth grade, everyone was the 55 states and territories. The Standards Board assists surprised when he didn’t try out for football. That was when the EAC in carrying out its mandates under the law. the teasing started. Most of it was in fun, but some of it was “I want to thank Clay County Auditor Carri Crum for downright mean. It continued to the point that he finally deagreeing to serve on the United States Election Assistance cided to join one of the teams. And because of his size, he Commissions Standards Board,” said Secretary of State was fairly good, but he wasn’t as outstanding as many people Shantel Krebs. “It is imperative to have strong representa- thought he should be. tion for our state on the national level and I know Carri Nathan’s mother was the secretary in our department. In will be that voice for all local election officials in South high school, I had been an all-conference and all-state footDakota.” ball lineman, so Nathan’s mother thought it would be good to Crum is a current board member on the South Dakota have him talk to me. She felt that maybe I could motivate him. State Board of Elections and serves as the Vice-Chair of But when he came to me, I could sense something was wrong. the Clay County Local Emergency Planning Committee. “Do you like football?” I asked. She also is a member of the Clay-Union Point of DispensHe shrugged. “It’s okay.” ing Committee and the Clay County Safety Board, and “Just okay?” serves as a local Girl Scouts troop leader. Crum previHe shrugged again, and we started to talk. I learned that ously served on the South Dakota Association of County Nathan was not really interested in football. His real love was Officials Continuing Education Committee. music; classical music, no less. “I am very honored to have been given the opportu“Have you told your mother?” I asked. nity to serve on the U.S. Election Assistance Commission He shook his head. “Everyone just expects me to play Standards Board,” stated Crum. “It brings me a great football.” sense of pride to represent South Dakota at the national “I think she would understand,” I said. “Everyone expectlevel.” ed my children to do sports. But when they tried, their hearts Crum is originally from Sioux City, Iowa, and moved weren’t in it. If your heart isn’t in it, you will never excel. You to South Dakota in 2003. She and her husband have three need to do what you love to do, not what others tell you that children. Crum has been with the Clay County Auditor’s you should do.” Office since 2004, beginning as a Deputy Auditor and has For the next few days, our department secretary was not now served as Auditor for over four years. her jovial self, and I wondered if I had been wrong in what I said. She wouldn’t say what was bothering her, but we could all tell something was on her mind. It was about this time that one of my colleagues came to my office. His wife was the orchestra teacher at the middle school. He told me he wanted to talk about Nathan. “Daris,” he said, “I don’t know if you know, but Nathan wants to play violin in the orchestra. But since his mother is a single parent, she doesn’t have the money to get him a Call or violin. Would you consider donating?” go online I smiled. “Gladly.” to browse, There were only twelve members of our department, but we collected enough money to buy Nathan a high-quality, buy or professional violin. A few days later, our department memsell! bers gathered in the department foyer, and my colleague presented the beautiful instrument to Nathan’s mother. She cried openly as she accepted the gift for her son. And she was again her jovial self. Nathan loved orchestra, and he excelled. It wasn’t long before he was the lead violinist. Though some people still In Print and Online! teased him about not playing football, his musical talent was 665-5884 • www.missourivalleyshopper.com soon recognized, and the teasing faded away. So now, as I watched Nathan play, including a phenomenal solo, I thought of how important it is to do the thing you love the most. But I also thought about how grateful I was for the good people I worked with who were willing to support a young man when he needed it most. Snap Up a Deal in the Classifieds DENR Seeks Comments On Waterbody Report, And The National 303(D) Program Vision PIERRE – The state Department of Environment and Natural Resources (DENR) is seeking public comments on the draft Integrated Report. Required under the federal Clean Water Act, this report is used by the state to identify impaired waterbodies in South Dakota. The draft Integrated Report also includes the National 303(d) Program Vision. Public comments from the general public and interested parties and organizations will be accepted through March 19. Comments can be submitted online at DENR’s One-Stop Public Notice page at http://denr.sd.gov/public/default.aspx, emailed to Paul Lorenzen at Paul.Lorenzen@state.sd.us, or submitted in writing to: Department of Environment and Natural Resources Surface Water Quality Program 523 East Capitol Avenue – Joe Foss Building Pierre, South Dakota 57501-3181 A copy of the draft 2018 Integrated Report is available by visiting DENR’s One-Stop Public Notice page at: http:// denr.sd.gov/public/default.aspx. Those persons desiring to only review the Vision can access the document individually at the same address. Copies of the 2018 Integrated Report can also be obtained by emailing Paul Lorenzen at Paul. Lorenzen@state.sd.us, or by contacting DENR at the above address, or by phone at 1-800-438-3367. The draft 2018 Integrated Report contains an assessment of the surface water quality of South Dakota’s waters, a description of South Dakota’s water quality monitoring programs, pollutants causing impairments of the water bodies and identification of waters targeted for total maximum daily load development. A Total Maximum Daily Load (TMDL) is a determination of the amount of pollution a waterbody can receive and still maintain water quality standards. “Because this list drives state water quality programs, it is important that people in South Dakota see the draft report and provide us comments before it is finalized and sent to EPA for approval,” said DENR Secretary Steve Pirner. The draft 2018 report lists 152 waterbodies or waterbody segments needing a total maximum daily load. Of those listed, 90 are stream or river segments and 62 are lakes that periodically do not meet water quality standards. The National 303(d) Program Vision is a tool used by EPA and the states to more effectively restore and protect waters by using a systematic process of prioritizing TMDL development and implementing alternative approaches and protection activities. Six elements of the Vision are discussed and include: engagement of stakeholders and the public; the TMDL prioritization process; protection activities; integrating the Vision into other programs; alternatives to developing TMDLs; and assessment activities used in the Vision. The Vision was revised this reporting cycle to accommodate changes in TMDL priority for certain waterbodies. YOUR RADIATOR HEADQUARTERS! • Great Parts • Great Warranty On-Hand & In-Stock! NO WAITING! Cox Auto st Prices Be n Town! I Read and Recycle 1007 Broadway Ave Yankton, SD 605•665•4494 We’ll M Local Advertis atch All ing Prices! 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