January 29, 2019 • Page 2 shop online at www.missourivalleyshopper.com An Embarrassing Event Dave Says Relationships And Money Dear Dave, My father-in-law wants to help us with our mortgage. We’ve been working hard to pay off our home early, and we’ve reduced what we owe to around $35,000. His idea is to pay off the remainder, then let us pay him back over time. In the past, he has loaned us much smaller amounts and everything has worked out fine. What do you think about this? Brianne Dave Dear Brianne, I’m sure this seems like a winning proposition all the way around. My concern is there’s a big spiritual and emotional issue that has been left out of the equation. The borrower is always slave to the lender, and nowhere is that more true than in a family. I understand, too, you have a solid track record with this kind of thing. But anytime you borrow money from family you’re playing with fire. When you do something like this, especially with such a large amount, the money issue is likely to be a shadow hovering over your relationship. Family get togethers, special events, and holidays will feel different when you’re there with your lender instead of just good old dad. I assume your father-in-law is doing well financially, since he can afford to make this offer. And don’t get me wrong, it’s a very kind and generous offer. If I were in his shoes, I might offer instead to pay off the mortgage as a gift to my son and daughter-in-law for working so hard to attain a goal. But it would be a gift. No strings attached. If you have a nice, stable family, this debt will always be there in the back of your mind. If you have a dysfunctional, control-freak kind of family, it’s going to be right there in front of you constantly. Either way, I don’t think it’s worth the risk. — Dave RAMSEY Doc hadn’t even finished loading his coffee with fake sugar before Steve piped up. “I think it’s disgusting and weird and unnatural and it should be outlawed!” the tall cowboy said, coming to rest at the philosophy counter of the Mule Barn truck stop. “Aw Steve,” said Doc, “the coffee isn’t that bad.” “Coffee? Nay, I say unto you, Doc. It ain’t the coffee … it’s them Academy Awards on the television. You see them? All them good-looking women Scotch-taping themselves into those dresses so they almost stay on? Those weird guys they’re with who only shave on Tuesdays?” “And this makes you angry?” “Sure does, Doc. Those folks make a lot more money than I do and all they have to do is dress up and talk to those red carpet cameras.” “Well, Steve,” said Dud, “we can do just as good as they can. Stand up.” Steve looked around and then stood slowly. Dud picked up a bottle of Tabasco sauce and, using it as a microphone, turned to the breakfast crowd in the Mule Barn. “Good morning, folks, and we’re so happy you could join us here on KRUD By Daris Howard Fight Back Against Fraud Dear Dave, Dear Dave, We recently learned that my wife’s ex-husband used her social security number to establish several credit card accounts. We’ve written and called the credit card companies, and we’re disputing the charges, but is there anything else we can do to protect ourselves and put an end to this? Ken Dear Ken, You bet there is! File a police report immediately, and if possible, have this guy arrested. He has committed criminal fraud, and it’s not something you should take lightly. Also, put a fraud victim alert on your credit bureau reports today. Don’t stop with just alerting the credit card companies about this situation. You should be speaking with and communicating via email—plus snail mail, if necessary—directly with the fraud victim division at every credit card company involved. Make sure they understand this is a denial of responsibility and not simply a dispute. Let them know you’re sorry this happened, but explain that all these charges in your names are the result of a criminal act perpetrated against you. You may have to stand your ground with the credit card companies, because some of them might try to get you to pay it, anyway. Don’t do it! — 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. this morning to welcome our list of celebrities. Oh, look, it’s Steve, the pride of farrier life and heavy anvils. Steve, wherever did you get that outfit?” “Well,” said Steve, grinning, “it’s a creation of Levi Strauss, and please note the genuine brass rivets.” “Give us a twirl there, cowboy.” And he did, to great applause. “And your headwear today, Steve, that would be what … Stetson?” “Yessir. A genuine John B. Stetson original. Five ex beaver fur felt.” “The sweat stains?” “Those were added later, actually, Dudley. A genuine Yankton interactive cow pen fillip to offset the otherwise stunning look of my entire ensemble.” “So as not to overwhelm the onlookers, I suppose?” “Precisely. We don’t want ordinary people to think they’ll never achieve this look, you see.” “An admirable pursuit,” Dud said. “Noblesse oblige, I believe,” said Steve. “Not until lunch, Hon,” said Loretta, topping off the coffee mugs. “Breakfast special is bacon and a short stack.” Find What You’re Looking For! in the Classifieds. In Print and Online! Call 665-5884 www.missourivalleyshopper.com 6 Easy Steps To Bring Your Paper To Life! One of my scouts asked me about my most embarrassing moment. I could think of many, but because I had just been to a wrestling match, I thought of one that had to do with that sport. The year before the particular embarrassing event, I had ended up having to run for my life from a pack of coyotes while trying to save a newborn calf and its mother. It was winter, with temperatures at about thirty degrees below zero. The cold and stress on my lungs helped bring on pneumonia to such an extent that I was in fairly critical condition for about two weeks. After that, any time I stressed my lungs a lot, I would have trouble breathing. I struggled mildly through track that spring and football in the fall. But when it came to wrestling, I was really having trouble. Finally, my parents and my coach insisted that I see a doctor. After many tests, the doctor told me I had some severe lung damage. He said the main problem was that the lung tissues were damaged to the point that they were having a hard time staying moist like they needed. Whether the damage was caused by the overexertion while exposed to the freezing cold air or from the pneumonia, he wasn’t sure. But he said the key was to be able to moisten them up before a physically demanding event. He prescribed the use of an inhaler. He taught me how to put the nozzle in my mouth and pump a few shots of it while breathing the moisture into my lungs. The doctor told me it would not be against any kind of athletic rules because it had no steroids in it. He also told me to use it just before wrestling practice each day and before each match. At the next practice, I explained to my coach what the doctor had said. My coach was concerned enough that every afternoon before practice, he would ask me if I had used the inhaler. But at the first match, neither he nor I thought about what taking some breaths from the inhaler might look like. Just before I stepped onto the mat, I took a couple of deep breaths from it as prescribed. The other coach saw what I did and immediately told the ref that I was taking drugs. The ref said he was going to disqualify me from the match. My coach then told the ref that what I took was doctor prescribed, and if the ref disqualified me for it, he could lose his job. “You know very well that the rules allow an athlete to take doctor-prescribed medicine.” For about fifteen minutes, the whole gym was in an uproar with the opposing team wanting me disqualified and acting like they would lynch me. Fortunately, it was a home meet, and they and their fans were far outnumbered by ours. Finally, the ref decided that the best thing to do was to call the doctor who prescribed the medicine. It took about ten more minutes to get hold of him, and when the doctor explained that the medicine was nothing more than something to put moisture into my lungs, the ref told the opposing team what he had learned. The opposing coach still demanded I be disqualified. So the ref showed him the rules about doctor-prescribed medication and told him if he made one more remark about it, he would be removed from the gym. By the time the match finally resumed, I was so embarrassed I just wanted to get it over with and be out of there. I pinned my opponent in under a minute, and that didn’t help the other team feel any less that I had strength enhancing drugs. But I had done the same thing every previous time we had met and had never had the medicine before. When the wrestling meet was over, and we had won handily, the other team stormed away, still saying we cheated, even though we would have won even if they had won my match. Our team met in the locker room afterward and Coach sighed. “I’m glad that’s over. But next time, Howard, bring your inhaler to the weigh-in to show the ref and the opposing team.” “I don’t know, Coach,” Lenny said. “The way Howard pinned that kid, maybe the rest of us should get inhalers.” Coach was in no mood to be teased and growled back his answer. “We’ll just get all of you a spray bottle full of water, and you can just suck on that.” She somehow understood what too often many of us forget, that home is not so much a place, but it is about being with those we love. Noem Taps Pierre Attorney For Deputy General Counsel Governor Kristi Noem today announced that Katie Hruska will join her staff as deputy general counsel. “Katie has proven herself as a committed advocate who works hard to deliver results for people from all walks of life,” said Noem. “I’m grateful for Katie’s people-first work ethic, and I look forward to working 1. Go to 2. Search for the Yankton Interactive app. 3. Download the app onto your phone or tablet. Earn as much as $400+ this month & $120 this week 4. Hold your phone or device over the newspaper where Yankton Interactive trigger is indicated. 5. Click on the app and scan the picture or ad. 6. Bring your paper to life and have an amazing new experience. This is a FREE app so download today!! with her to create a stronger South Dakota for the next generation.” “Governor Noem has bold ideas for the future of our state, and I’m thrilled to be part of her team,” said Hruska. “I’m thankful for this opportunity to serve South Dakota.” Hruska currently serves as an attorney with May, Adam, Gerdes & Thompson LLP where she practices administrative and regulatory law, employment law, family law, and civil litigation. Previously, she worked as a law clerk in the sixth judicial circuit and has licensure with the Supreme Courts of South Dakota and Minnesota, the District Court of South Dakota, and the United States Supreme Court. 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