April 10, 2018 • Page 2 shop online at www.missourivalleyshopper.com I’ve Seen Worse Dave Says Getting Rid Of The Car Dear Dave, How do you sell a vehicle with a lien amount that’s higher than the actual value of the car? Michael By Daris Howard My daughter asked me if I would judge at a debate tourna- hard to get out of debt. I was wondering, is it okay to buy things ment. while you’re paying off the debt you already have? “I’ve never even been to a debate tournament,” I replied. Leslie Dear Michael, First, you need to find a way to cover the difference between the amount of the lien and what you can get for the car. Let’s say the car is worth $12,000, and you owe $15,000. That would leave you $3,000 short. The bank holds the title, so unless you give them the payoff amount of Dave $15,000 you’re not getting the title. The easiest and simplest way would be if someone buys the car for $12,000, and you had $3,000 on hand to make up the difference. If you don’t have the money to make up the difference, you could go to a local bank or credit union and borrow the remaining $3,000. I really hate debt, but being $3,000 in the hole is a lot better than being $15,000 in the hole. Then, you could turn around and quickly pay back the $3,000 you borrowed. You’d give the total amount owed to the bank, they would give you the title, and you would sign it over to the new owner. Hope this helps! — Dave Ramsey Stop Spending Completely? Dear Leslie, I’m glad you’re paying attention to the finances around your house. Of course, there are some things you must have. We call these “necessities.” Most things are not necessities, though. If your air conditioning breaks down, or you have car repairs, those are things you must spend money on to fix. Things like new furniture, vacations, and eating at restaurants are not necessities. They’re things you might want, but they’re not necessary — especially when you’re trying to pay off debt. I always recommend people take a hard look at their priorities, and remember there’s a difference between wanting something and needing something to survive. It can be hard, and it may mean everyone has to go without a few things they want for a while. But if your parents are serious about getting out of debt, they’ll do it. And it really won’t take all that long. Great question, Leslie! — Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven bestselling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Dear Dave, My mom and dad are following your advice, and they are working Higher Education Leaders Pursue 65 Percent Goal “It’s okay,” she said. “They’ll train you. Besides, the most important part of judging is to give the students information about what you feel they can do better. If you just give them points and don’t say why you scored them the way you did, it will mean nothing.” She said every student was asked to provide a judge for one of the tournaments, and I could choose which one I went to. I looked at the tournament schedule and determined one that would work for me. On the appointed day, I went to the designated high school. All of the judges met in one room, and we were given some training. By the time I received my first assignment, I still felt totally unprepared. For my first judging round, the students helped me understand what was supposed to happen. I found both teams to be quite equal, but I also found little suggestions that I could share with them to help them know what they could do to improve. I wrote quite a lot of notes on their papers both during and after the debate. I judged a second round with similar results. I found I enjoyed it more than I thought I would. Eventually, I had a break and went to the judges’ lounge. The debate team parents of that school provided some taco salads for the judges. I started to fill a plate, and the lady that was serving asked how the judging was going. “This is my first time,” I said. “I think it’s going okay, but I have nothing to compare against.” “Well, I’ve judged a lot of these,” she said, “and I’ve seen worse, but not too much worse.” Since I was the last person in line, she quit serving and filled a plate of food for herself. She came over to the table I was at, and three other ladies joined us as well. The first lady continued to talk about how bad the debaters were. “In the judging I have done,” she said, “I have seldom seen such poor performances.” “Well,” another lady said, “you’ve got to realize that for some of these kids, it’s the first time they have ever tried this.” No matter how much others tried to turn the conversation to a positive tone, the first lady kept sharing her negative comments. Suddenly, I bit into something that was really chewy. I tried to chew my way through it, but it didn’t get any smaller, and it hooked on my teeth. Finally, I spit it onto my fork and set it on the plate. I tried to do it inconspicuously, but the lady next to me noticed. “What is that?” she asked. I picked it up and carefully analyzed it. “I think it’s a rubber band,” I said. “One of the bigger kind that someone wears on their braces.” Another lady at the table just about gagged. She swallowed a few times to keep her food down, and then set her fork down and pushed her food away. The lady who had been so negative started to apologize. “Oh, I’m so sorry. I have no idea how that got in there.” “It’s no big deal,” I said, and I continued eating. “No big deal!” the lady who almost lost her meal said. “You found a rubber band like that in your food, and you say it’s no big deal? And how can you continue eating?” Looking right at the lady who had been complaining about the debate students, I laughed and said, “I’m a scoutmaster. I’ve seen worse.” The lady smiled an embarrassed smile and never said another word of complaint. OACOMA, S.D. – Leaders of public, private, and tribal colleges and universities, technical institutes, and state education and labor agencies will meet Tuesday in There’s something so satisfying about getting out of bed Oacoma to discuss strategies to advance South Dakota’s when the world is still dark and quiet and resting. Making educational attainment. the coffee gives us time to scratch and think. Well, scratch, Multiple agencies and institutions have signed on to a anyway. Most of that thinking will start after about the third statewide attainment goal of 65 percent of South Dakota cup of coffee. citizens, ages 25 to 34, holding some type of postsecondBut it’s a quiet time. A private time. When the world ary credential by 2025. The goal addresses a full range is dark, and there isn’t yet a hint of pink over the eastern of educational attainment from technical certificates and mountains, it’s very good. We can relax. No one is expecting anything from us right now. Our guilt can take some time off, apprenticeships to associate, bachelor, and graduate degrees. and we can listen to music or work a crossword puzzle or “It is important that all the stakeholders engaged in turn on the TV and watch the weather guy discuss millibars this work come together to discuss policies and pracand troughs. Soon enough, we’ll have to be out there living for others: tices for meeting a statewide attainment goal,” said Mike our bosses, our customers, our animals, our fields. But right Rush, executive director and CEO of the South Dakota Board of Regents. “All of us have set our sights on a goal now no one needs us except the dog, and she does well on to educate more South Dakotans to higher levels for a kibbles and an ear rumple. knowledge- and service-based economy.” We can look out the window at the eastern glow and Invited to the April 10 convening at Arrowwood Resort wonder what will happen in the hours until our world turns dark again. People will be born and people will die. People at Cedar Shore are presidents and key personnel from will win honors and people will go to jail. People will create public universities, technical institutes, private and tribal things today that live past them and people will disappear institutions; representatives from the Board of Regents forever. Some people will write about these things and other and Board of Technical Education; tribal higher educapeople will read about these things. tion department leads; and staff from the South Dakota And then the world will go dark on us again and we’ll departments of Education and Labor & Regulation. think about what happened in our tiny portion of this huge Sessions will focus on efforts to increase postsecmoving amalgam and hopefully we’ll sleep easily tonight. ondary access, engage adults who are ready for higher Then, when we arise tomorrow and head for the coffee pot, we can think about what happened today, and how it has education, provide credit made us slightly different for taking on the next tomorrow. for apprenticeship and life Come to us, Daylight. Bring us the new day. But do it experiences, and other gently, please, and slowly enough for one more cup. strategies that will contribute to the state’s 65 percent attainment goal. The convening begins at 9:30 a.m. (CDT) April 10. MOTOR Presenters include higher NIOBRARA, NE education and workforce By Sen. John Thune development experts The United States has experienced nurepresenting the Georgeatrick awk merous technological revolutions throughtown Center on Education 251 Spruce Ave • Box 260 and the Workforce, Indiana out its relatively short history that have Niobrara, NE 68760 been so monumental that life as AmeriCommission for Higher www.moodymotor.com cans knew it would never be the same. pjhawk@hotmail.com Education, South Dakota (402) 857-3711 Henry Ford made automobiles and the Board of Regents, and the (800) 745-5650 assembly line a reality. Scientists helped Fax (402) 857-3713 NEW! Lumina Foundation. American astronauts take “one giant leap for mankind.” And U.S. innovators and academics played a pivotal role in making the internet as integral to our day-to-day lives as it is today. It was Americans’ desire to ask “what’s next?” that led to each of these technoBud & Bud Ligh $ logical revolutions in the past, and it’s t already leading to those of the future. 16 Oz., 24 Pack Phillips Blackbe An easy example of this is the evolution rry Brandy $ in how we’ve consumed media over the 1.75 ML Jack Daniels Ho last century and the technology that has ney & Fire $ 750 ML allowed us to do it. We had books and Bacardi Rum $ newspapers, then radio and television, 1.75 ML Includes Silver, Limon & Oakheart then color television, then VHS and VCRs, then DVDs and Blu-ray, and now with a few quick clicks, you can watch a movie from a wireless tablet on a chair in your backyard or on an internet-connected airplane at 30,000 feet. 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I’m hopeful that lawmakers in Washington can help these new American pioneers cross the finish line faster and more efficiently, because if we don’t win this race, another country will. In early 2016, I introduced the Making Opportunities for Broadband Investment and Limiting Excessive and Needless Obstacles to Wireless (MOBILE NOW) Act, bipartisan legislation that would lay critical groundwork for the next generation in wireless broadband technology. At the time, I said the MOBILE NOW Act would be our passport to a 5G future of gigabit wireless connectivity, and I believe it now more than ever. While the Senate Commerce Committee, which I chair, easily approved this common-sense legislation a few months later, it unfortunately didn’t make it to the Senate floor before the end of the year. We were close, though, which is why I reintroduced the bill on the very first day of the 115th Congress in 2017. Our hard work and persistence paid off. 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