March 24, 2020 • Page 2 shop online at www.missourivalleyshopper.com A Desire To Help Dave Says Do We Still Owe? Dear Dave, Should you still pay debts that are in collections, even if they have been dropped from your credit report? The one in question is from 2011, and I assume it isn’t showing on the credit report anymore because it’s nine years old. Sam The Simple Thing Is The Right Thing By Daris Howard It was 1918, and Arden, the man Rachel had been dating, was off fighting in the Great War. Rachel worked hard Dear Dave, on the farm and in her grandfather’s store as a clerk, but I recently found out my former employer never there were times she felt like she wasn’t doing enough to stopped contributing to my health savings account (HSA). Apparently, this has been going on for about nine help. Then she started seeing those around her falling ill months, and they just sent me a form to sign so they can to what had been dubbed the Spanish flu and felt she just get the overpayment back. The amount totals a little over had to do something. Some families lost more than half of their family mem$1,000, so should I sign the papers or is there another Dear Sam, bers, while some families were so ill, they couldn’t take way to handle this? There are two good reasons to go care of each other. Rachel approached her parents about Ellie back and deal with this debt. One, her concerns. Dave even if it’s off your credit report, you may “You know you could catch the flu, and it might take Dear Ellie, still legally owe the money. Even if the statyour life?” her father said. You know, if I were as incompetent as your former emute of limitations has run its course, things like this have Rachel nodded. “But if I live unscathed, and didn’t do ployer, I’d be too embarrassed to ask for the money back. a habit of popping up and causing problems at the worst what I could to help, I doubt I could live with myself.” But hey, the point is it’s not your money. Sign the forms, possible times. About the time you decide to buy a home, Her parents understood her feelings, and they agreed and let them take the money out. Keep an eye on your this is liable to raise its head again and mess things up. to help. Rachel’s family started organizing food boxes to HSA balance, though, and make sure they take out only So, the fact that something doesn’t appear on a credit go to families who were quarantined in their homes. Raamount they overpaid—not one penny more or less. report doesn’t mean you’re not legally liable, or that they Keep it simple, Ellie. You didn’t earn this money, and it chel and her brothers would deliver them. But Rachel felt won’t bother you about it later. wasn’t expected or agreed upon. It was a mistake, so just still she had to do more. There was so much suffering. One The second thing to think about is a simple matter of small town lost almost fifty percent of the people in it to do the right thing. Control the scenario, and stay on top fact—you owe the money. Regardless of what the legal the flu. of this situation until everything is resolved correctly. system or credit report says, you morally owe the money. One day a young doctor came to Rachel’s grandfather’s —Dave I’d contact the creditor, and begins negotiations to settle store while she was there. He was looking for a nurse asthe debt. You might be able to reach an agreement where sistant to work for him. He had been all over the valley, to they’d accept less than the original amount owed. Rehospitals and medical schools, but everyone was afraid to * Dave Ramsey is America’s trusted voice on money and go into the homes of those who were ill. He felt that was gardless, get any type of settlement offer in writing. That business, and CEO of Ramsey Solutions. He has authored seven the only way to stop this pandemic. way, you’re truly cleaning up your life and getting rid of best-selling books, including The Total Money Makeover. The any financial skeletons in your closet! “What will you do when you go into the home?” Rachel Dave Ramsey Show is heard by more than 12 million listeners asked. —Dave each week on 575 radio stations and multiple digital platforms. “Most of the homes that are quarantined are shut up Follow Dave on Twitter at @DaveRamsey and on the web at tight,” the doctor answered. “That just locks the flu inside daveramsey.com. with those who live there. We need to go into the homes and open up doors and windows, let in fresh air, and clean the bedding.” Rachel took a deep breath for courage and volunteered. Her family was frightened for her but supported Situations are changing you on the steps we are the communities that we expect. Our revised hours her decision. The hard work then began. quickly across this taking at Bomgaars to are proud to call home. will be: She and the doctor would go into the homes. The first great nation due to the continue to protect the We know that you look • Monday – Saturday thing they would do was get everyone tucked into bed Coronavirus (COVID-19), health and safety of our to Bomgaars for essential 7:30am to 6:00pm so we would like to update employees, customers and needs, for your family, where they could be warm, then Rachel and the doctor 7:00am to 6:00pm (Spirit pets, livestock, farms Lake, IA only) opened the windows and doors so fresh air and sunlight and small businesses. • Sunday Normal hours could enter the house. Then Rachel worked at washing We have an unwavering At the same time, bedding and clothes and hanging them to dry in the sun responsibility to provide we will be increasing while the doctor attended to the sick. Within a few days, Office Furniture Option these products to fill measures to clean and some of the family would begin to recover and could take the needs of not only sanitize our stores each 1803 4th St., Sioux City, IA over, then Rachel and the doctor would move to the next you and your family, but evening. family. In addition, effective Over 20,000 sq. ft. your pets and animals as Rachel’s family would bring supplies to help, but RaMonday March 23rd, we chel made them leave the supplies outside and keep their of Cubicles, Desks, well. Together we will get through this trying time will be adding curbside was afraid of infecting them if she was carChairs, Conference and come out stronger and and carryout service at all distance. She The months went on, and the flu started to rying the flu. better than ever. In order of our Bomgaars locations. Tables and More! to do this, some changes Call ahead with “what you ease up. Rachel looked forward to the time it would end, come But just as it and we will www.OfficeFurnitureOption.com have been implemented at need” and waiting have it and when Arden would also was inhome. the inevitable looked like the end of the flu sight, Bomgaars. ready when happened, and both Rachel and the young doctor became Effective Friday March you arrive at our stores. sick. 20th, will be adjusting our Call your local Bomgaars Regular Meeting Hundreds of people owed their lives to the two of them, store hours to ensure that for more details. and there was no end of those wanting to return the favor. we can provide the same Stay safe and we look Mission Hill Township North Following the doctor’s own advice, the makeshift hospital level of customer service forward to seeing you As per South Dakota Codified Law 8-5-1 he and Rachel were put in had windows and doors open that you have come to soon. A Regular Meeting of the Mission Hill Township (N) will for air and sunlight. Though be held at Vangan Lutheran Church, Mission Hill, South their symptoms were seDakota on March 31, 2020 at 7 PM. vere, both pulled through, and not long afterward, the Anyone wishing to add items to the agenda of this flu was declared to be unmeeting may do so in writing to the Township Clerk no der control. later than 5:00 PM on Friday, March 27, 2020. Up to $1.30 - $1.70 over cash market The doctor, having done Deliveries to MAKE MORE PROFIT SOYBEANS - our St. Lawrence, SD plant or Arlington, SD Jackie Sempek, Clerk what he set out to do, now Mission Hill Township North felt free to marry the young Premiums our Non-GMO (over cash Grower Network for Join of $1.30 - $1.70 Certified market) lady he had waiting. Arden 44342 307th St., Mission Hill, SD 57046 paid for Non-GMO Soybeans Additional Premiums! came home, and it wasn’t Delivered information, Call KariSDLogan at 1-888-737-7888 or visit sdsbp.com long before he and RaFor to St. Lawrence, or plant & Arlington, SD chel also married. And as For information or to the years passed, Rachel schedule a farm visit, watched children she had call Kari or Logan at loved and cared for grow to 1-888-737-7888 Tree Trimming, Removals & Transplanting marry and have children of their own. And the good ¢ Save 10 Off A Gallon Of Gas When You Use Your Sinclair Card lives of seeing who likely those EVERGREEN • SHADE • ORNAMENTAL Buy 2 would not have made it if SAVE Up To $12 she had not been willing to Bailey’s Irish Cream All Flavors, 750 SPRING IS A GREAT TIME FOR PLANTING! 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They can be reached at 605-665-4583 or check out their website www.caseys.com 21.99 Svedka Vodka All Flavors..................... $ ......... 1.75 ML 19.99 Jim Beam Bourbon............................ $ .... 1.75 ML 28.99 Jack Daniels Whiskey Old No7 ....... $ .... 1.75 ML 41.99 Bird Dog Whiskey Peach & Blackber ry...... 1.75 ML $26.99 Captain Morgan Spiced Ru m ... 1.75 ML $26.99 stponed Po 1500 Broadway, 665-3881 Find What You’re Looking For! in the Classifieds. In Print and Online! Call 665-5884 www.missourivalleyshopper.com The Clay-Union Electric Board of Directors, in response to the Coronavirus Pandemic, has chosen to postpone the 84th Annual Meeting scheduled for March 31, 2020. With no By-Law changes proposed & no contested Board of Director Elections, the board feels it is in the best interest of its members to monitor the evolving situation and reschedule at a later date. Sincerely, Clay-Union Electric Board of Directors 1410 E. Cherry, Vermillion, SD • 605-624-2673 clayunionelectric.coop • visit us on facebook