October 30, 2018 • Page 2 Dave Says shop online at www.missourivalleyshopper.com Retirement Or Debt? By Daris Howard Dear Dave, Do you think I should lower the amount I’m contributing to my 401(k) so I can pay off my house and Dear Dave, my truck? I just accepted my first job in sales. In your mind, what is the key Jamie to becoming an excellent salesperson? Bobbie The Key Is Serving Dear Jamie, If you’re following my plan, the first thing you should do is set aside a beginner emergency fund of $1,000. That’s Baby Step 1. Next comes Baby Step 2, which means paying off all your debt except for Dave your house. This would include your car. During this time, you should temporarily stop any kind of investing and retirement contributions. Once your mortgage is the only debt you have left, it’s on to Baby Step 3. This means you start saving money and growing your beginner emergency fund into a fully-funded emergency fund of three to six months of expenses. When that’s done, you can attack Baby Step 4—investing 15 percent of your pre-tax income for retirement. In your case, that would mean re-starting the contributions to your 401(k). The rest of the plan goes like this. Baby Step 5 is putting money into your kids’ college funds, if you have kids, while Baby Step 6 is putting everything you can scrape together towards paying off the house early. After that comes the real fun. Baby Step 7 is the point where you build wealth and give like crazy. It may take a little time in some cases, but following these steps will lead you to financial peace! — Dave Dear Bobbie, The key to becoming a great salesperson can be summed up in one simple word—serving. I’m not talking about being subservient. I’m talking about always giving 110 percent towards ensuring customers and potential customers are served well. It’s all about being proactive. Serving means you believe in what you represent, and you’re excited about what you have to offer. It means you’re determined to give people a great experience. If an issue happens to arise, you’ll take care of it quickly and completely. You’ll do this in a way that will make them forget it ever happened. Really, serving is an attitude. You can pressure people if you want, but that’s going to lead to a dull and frustrating life of oneshot deals. But if you serve people well, you’ll have clients for life and they’ll send their friends and associates your way. Make helping people your first order of business, Bobbie. If you do that, you’ll never have to worry about money! — Dave RAMSEY Boomsma Selected As 2019 South Dakota Teacher Of The Year It’s fall, and time once again for the Chipper Invitational Golf Tournament here in the valley. You remember Chipper, Doc’s imaginary squirrel? The one who was squirrelnapped? Doc named the annual golf tournament to raise money for coats for kids who need them after good ‘ol Chipper, since the golf tournament itself was just about as genuine as the squirrel. There isn’t a real golf course here in the valley, you know. You have to go to the city for that. So Doc decided to just wander around with a shovel, digging holes here and there and putting flags next to them. The flags, in civilian life, sure look a lot like metal t-posts. Another thing that makes Doc’s tournament unique is that there is absolutely no way to practice for it. That’s because the “golf course” is usually laid out a day ahead of time each year, and every fall, Doc picks another spot for it. The holes are different, the fairways are non-existent, and the hazards … oh, the hazards. After the first tournament, when one of Harold Brewster’s cows got hit in the butt, there are no longer any four-legged ambulatory golf hazards. Farmers are allowed to move them, happily, into bomb shelters or corrals for the duration of the madness. But have you ever tried to hit a golf ball that parked itself beneath an old, rusty hay baler? Such things make the course … challenging? Yes, and fun. This year, Doc’s theme was what he called trans-oceanic. This means, in valley talk, having the tee-boxes on one side of Lewis Creek and the holes on the other. It will be interesting to see how many errant golf balls hit the tire swing at the swimming hole and vanish forever into the depths. Chipper would approve, I’m sure. erested in this spot? ll 665-5884 to e your ad here. * 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. SIOUX FALLS, S.D. – Erica Boomsma, a fourth grade teacher at the Washington 4-5 Center in the Huron School District, has been named the 2019 South Dakota Teacher of the Year. The announcement was made this evening at a banquet at the Ramkota Hotel and Convention Center in Sioux Falls. “Through the Teacher of the Year program, we lift up and celebrate this vital profession,” said Mary Stadick Smith, interim secretary of education. “Advocating for teaching and students seems to be second nature to Erica, and in the coming year, I know she will make a strong impact on everyone she meets as State Teacher of the Year.” Boomsma has taught in the Huron School District since 2002. She is a leader in her school and district, serving as a resource to colleagues seeking guidance on effective instructional strategies for English www.missourivalleyshopper.com learners. In recent years, Boomsma has led the development of a highly successful literacy program Visit our building focused on Web site at fluwww.missourivalleyshopper.com ency and comprehension. As part of this program, students have created a “virtual library,” recording themselves reading books Visit audiobooks aloud. These our Web site at are then made available for all www.missourivalleyshopper.com classrooms in the district. A statewide panel of ed- INTERESTED IN THIS SPOT? MV Shopper www.missourivalleyshopper.com CLASSIFIEDS Call 665-5884 to place your ad here. M I S S O U R I VA L L E Y Save $30 on a Summer AC Tune-Up! 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Missouri Valley 216 Premier Lennox® Dealer 69 years as aW. 4th St. • YANKTON,SD 605-665-5884 97 years in the Business 400 years of Heating and Cooling Experience = Your terested in this spot? #1 Choice in Yankton! 665-5884 to place your ad here. INTERESTED IN THIS SPOT? ¢ Save 10 I played offensive guard and defensive tackle on my high school football team. On special teams, I was on both receiving and on kickoff. I was almost always on the field. Then one day, my line coach saw me kick the football. The kicker had been challenging and mocking everyone, saying they couldn’t kick as well as he could, so my line coach had me take the challenge, but only after the head coach was watching. So, after I kicked the ball past the end zone into the parking lot, I became the new kickoff person. I mostly loved to kick off, but there was one thing I hated about it. Our head coach, Coach Dale, said I had to stay back and be the last defender. From playing in my other position, I was used to going quickly down the field, usually getting in on the tackle. As kicker, I had an even better chance of getting in on the tackle because I was at the front, I was going full steam, and I also knew where I was aiming the kick. We were doing our first kickoff in the second game after I became the kicker, when I forgot Coach Dale’s admonition. I kicked the ball into the end zone, and by the time the ball carrier came out, I was at the five-yard line to meet him. I didn’t tackle him alone, but I was a big part of it. However, when the play ended, Coach Dale called me over, and he wasn’t happy. “Howard, how many times have I told you, the kicker is to stay back and be the last defense?” “Sorry, Coach,” I replied. “I always forget. I’m used to going after the tackle.” “What will happen if the ball carrier gets through and you aren’t there to stop him?” “But why can’t someone else be the final defender?” I asked. “After I kick, I already have full momentum heading down the field, and I’ve almost always been in on the tackle.” Coach stood there, seemingly stunned by what I said. I wondered if it was because I dared question him. I didn’t mean to. I had only started football my junior year, and there were a lot of things I didn’t know. But I always asked a lot of questions, so I thought he would have been used to it. But when he spoke, his voice betrayed, not anger, but confusion. “You know, Howard, I don’t know why the kicker is always the one who stays back. It has just been the case on every team I’ve played on. Just keep playing, and we’ll talk about it at halftime.” I went in to play my defensive position, getting into place shortly before the ball was snapped. Through that half I kicked off a few more times, and each time, I had to carefully remember to hold back to be the last defender. I really hated it. By halftime, I was about to ask Coach if the previous kicker could go in to kick instead of me so I could go after the tackle. But true to his word, Coach Dale brought up the question of why the kicker was the last defender. As soon as we were settled into the locker room, he turned to the line coach. “Coach Bahler, Howard asked why the kicker has to be the one who is the last defender and can’t go for the tackle. Can you tell him?” Coach Bahler had the same stunned look that Coach Dale had had. He shrugged. “I don’t know, other than that is the way it was done on every team I played on.” Coach Dale then turned to the third coach. “Coach Smith, how about you?” Coach Smith shrugged, too. “Same thing for me.” The last coach was Coach Jackson. He had played some semi-pro football and was old and retired. He wasn’t paid, but volunteered his time. “I’ll tell you why the kicker has always been the last defender,” Coach Jackson said. “It’s because he’s usually the only one who can do his job, he’s usually small and thin, and no one wants him to get hurt.” The coaches all looked at me, and then Coach Jackson said, “For you to hold Howard back because you don’t want him to get hurt, then put him in on both the offensive and defensive lines, seems kind of stupid.” “What’s stupid,” Coach Dale said, “is that we’ve been doing something that has always been done without even knowing why.” With that, he turned to me and said, “Howard, you can go for the tackle, and we’ll have someone else be the last defender.” And for me that day, the kickoff suddenly got a whole lot better. Back Up Plan For Counties Utilizing Electronic Pollbooks PIERRE, SD – In preparation for the 2018 General Election Secretary of State Shantel Krebs has recommended a checklist of procedures to the seven Vote Center counties that utilize electronic pollbooks. An electronic pollbook is an electronic version of the paper pollbook containing the registered voters for a county. These county auditors have signed the checklist committing to a backup plan that their county will utilize in case of an electronic pollbook issue. This plan suggests the counties have a paper version of the county pollbooks at each Voter Center. These counties have decided to implement the use of electronic pollbooks by a decision of the county 1009 Jackson, St., Yankton, SD commission and county auditor. The Secretary of State’s office has no authority to make the determination of whether to utilize an electronic pollbook in a county. The recommendations st Thursday, Nov. 1 • Serving 11am-7pm from our office are to enMenu: Soups, Taverns, Hot Dogs, Pies, Coffee & Milk sure the process on Election Day operates smoothly. Open To The Public The eight counties that utilize electric pollbooks are: Brown Pancakes, Eggs, Bacon, Brookings Yankton Sausage, Biscuits & Gravy, Hyde French Toast $ Sully Hughes Children 6-10 $4.00 • 5 & Under Free Potter th Custer (does not use Sunday, Nov. 4 • 8 - 12:30 Vote Centers) Dining & Enterment St. John’s Lutheran Church *Rebate offer only available to Vermillion Light & Power customers. Shopper ucators selected Boomsma from among five regional finalists. The other finalists were Anita Boeck, math, Arlington School District; Sarah Darling, first grade, Brandon Elementary; Lisa Zahn, vocal music, Mobridge-Pollock School District; and Mary Day, business education and computer technology, Belle Fourche High School. As recipient of the honor, Boomsma receives prizes including a $5,000 cash award from the West River Foundation and a $1,000 honorarium from the South Dakota Board of Regents to present a series of professional development seminars to aspiring teachers. Prize packages are made possible through the generosity of private businesses and organizations, including Smart Technologies, the South Dakota Retailers Association and the South Dakota Education Association. In addition, Boomsma will represent South Dakota as a candidate for the National Teacher of the Year award. The National Teacher of the Year Program began in 1952 and continues as the oldest, most prestigious national honors program that focuses public attention on excellence in teaching. The 2019 National Teacher of the Year will be announced during a ceremony in Washington, D.C., in the spring. 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