June 16, 2015 • Page 2 shop online at www.missourivalleyshopper.com Dave Says He May Be A Dreamer BY DAVE RAMSEY meetings, too. In the process he might sell a few books from a table in the back of the room, and I know he’d get lots of valuable experience while building his name. It may take longer than he’d like, but that’s a much better Dave idea than the one he has now. It allows him to work toward a goal and not put his family in financial danger. Then, once he’s making a nice income on the side from writing and speaking engagements, you guys can look at the numbers and see if it’s feasible for him to dive in on a full-time basis! —Dave Dear Joelle, Yes, you can. I’m glad you’re keeping in mind that you have a legal and moral obligation to pay your debts. But collectors have rules they must follow, also. They’re governed by law just like everyone else. If they call you at work again, simply remind them of the terms of the payment agreement already in place and demand that they never call you at your office again. Also, send them a certified letter, return receipt requested, so that you’ll have proof you sent the letter and they received it. In the letter, let them know that according to guidelines set forth in the Federal Fair Debt Collection Practices Act you are formally demanding that they not call you at your office again. If they call you at your office after you demand that they stop, they’ll be in violation of federal law. And if that happens, let them know that you’ll be talking to a lawyer and you will sue them! —Dave Dressing for the Job on Dairies BROOKINGS, S.D. - A good share of dairy producers, are now providing their employees with some type of uniform. When deciding what their employees should wear while working with their dairy herd, Tracey Erickson, SDSU Extension Dairy Field Specialist encourages dairy producers to consider safety and comfort. Let’s start at the top “If if you are going to be outside for more than an hour, even on cloudy days you will want to consider wearing a hat with a brim around the entire cap, to provide some protection from UV rays and potential skin-damaging sunburn,” Erickson Dear Christy, said. It sounds to me like your husband She adds that eye protection should also be considered. has a good heart, but I think it would “Safety goggles or glasses should be required by all employbe a huge mistake for you guys to sell your home when he hasn’t proven that ees,” Erickson said. “Employees often deal with many differhe can sell anything he writes or says. ent chemicals or hazardous objects that have the potential to I understand where his head is at right “propel” and could possibly end up in the eye.” now. He wants to help people, and When it comes to eye protection, Erickson reminds that’s a noble cause. But being a motireaders that there are many types available in the market. vational writer and speaker can be an STAND UP TO THEM addictive thing. For some folks, signing “Remember, if they are not comfortable and affordable they books and being on stage are almost a Dear Dave, will not be purchased or worn.” high; they can make you feel alive. But I have a debt with a collection Dress in layers the whole idea can draw you into the Dave Ramsey is America’s trusted agency and they have started calling Because employees and producers are often exposed to land of financial stupidity if you’re not voice on money and business. He has aumy office. Last week, I made an agreevaried risks within their job, Erickson said clothing should be careful. ment for monthly payments, along with thored five New York Times best-selling My advice would be for him to an initial payment. All of a sudden, they books. The Dave Ramsey Show is heard fairly tight fitting and free of tears or strings that can become keep his day job, and work his tail off by more than 8.5 million listeners each were calling me again this morning at entangled in PTO’s or caught on equipment. “Durability, nights and weekends to try and make week on more than 550 radio stations. my office. Can I legally demand that along with breathability, is important when selecting fabric,” this dream a reality. Let’s draw up an Dave’s latest project, EveryDollar, prothey not call me at my place of employshe said. “Remind employees, that when they are buying internet strategy to get some exposure vides a free online budget tool. Follow ment? coveralls, to take into account, the ability to put on layers of for the books he has already written. Dave on Twitter at @DaveRamsey and —Joelle He could contact local civic groups, and on the web at daveramsey.com. clothes underneath them.” offer his services as a speaker for their Finding the perfect fit may take a little effort. “Even though we want clothing that fits and is not baggy, it needs to allow the person to sit, stretch, squat and bend,” Erickson said. Footwear Oftentimes, we talk about wearing leather boots and hard Haley Brown, Ponca, Quinn, S.D., claimed the BROOKINGS, S.D. - Ten time CNFR qualifier in soles to protect our feet in case an animal steps on them or Neb., is a senior qualifying bareback riding and was the Great Plains Region Team members of the South while operating equipment. However, Erickson said leather for the CNFR for the first Roping Heeling Champion Dakota State University Great Plains Region Baretime in Breakaway Roping. title in both 2014 and 2015. back Riding Champion in Rodeo Team have qualified may not provide the best protection if the primary job of the She claimed third place in Marshal Peterson, Ashboth 2014 and 2015. to compete in the Colemployee deals with a lot of moisture and chemicals, such as the Great Plains Region in Cody Miller, a junior from land, Neb., is a senior and lege National Finals Rodeo the milking parlor or the free-stall barn. Breakaway Roping in 2015. second-time CNFR qualifier. (CNFR) in Casper, Wyo., June Dillon, Mont. is making his “Rubber boots with non-skid sole, and some arch support Tarin Hupp, a junior from are good choices, as they protect the foot from excess moisPeterson holds Great Plains 14-20, 2015. The team had a second trip to the CNFR in Huron, S.D. is making her Region Tie Down ChampionSaddle Bronc Riding after strong showing during the ture and can be easily cleaned,” she said. “Steel toed rubber third trip to the CNFR in ship titles from both 2015 finishing the 2015 season 2015 season with the SDSU boots, should be considered if available, as they add extra Goat Tying. Hupp is the 2015 protection if stepped on by an animal.” and 2013. Men’s Team finishing first in ranked second in the Great Calder Johnston, a senior Great Plains Region Goat Tythe Great Plains Region and Plains Region. She added that socks that help wick moisture away from ing Reserve Champion and from Elm Springs, S.D., is a the Women’s Team earning Blake Dunsmore, a junior the foot are also important; otherwise employees could end the 2014 Regional Champion. three-time CNFR qualifier from Forrest Lake, Minn., is third place regional honors. up with athlete’s foot due to the high moisture environments “I am very proud of the in Steer Wrestling and Tie first-time CNFR qualifier and Senior Nick Schwedhelm, Ft. that they work in. SDSU Rodeo Team and our Down Roping in 2013, 2014 Calhoun, Neb., heads into 2015 Great Plains Region Hands Rodeo Club,” says Ron Skovand 2015. Johnston was the CNFR competition as the Champion Bull Rider. On a dairy, employees working in the milking parlor second in the All Around and ly, SDSU Rodeo Team Coach. nation’s top-ranked college Ryan Knutson, a sophoshould wear rubber gloves. “The increased amount of mois“The Men’s Team won six of more from Toronto, SD, is third in Tie Down Roping in bareback rider. the 10 regional rodeos, while ture exposure and chemicals used in pre and post dipping the Great Plains Region in Schwedlhelm is a threealso a first-time CNFR qualiof the udder and sanitation of the equipment will damage the Women’s Team finished 2015. fier after finishing the 2015 the skin,” Erickson said. “If employees are not working with third in the region out of 10 Hope Petry, sophomore season as the third-ranked chemicals, other types of gloves are ok.” 60K + Bonus + teams. I know our qualifiers Bull Rider in the Great Plains from Hudson, Iowa, is a There are many styles, including cotton, leather, rubber, Incentives/Full Benefits will all do a great job of two-time CNFR qualifier in Region. representing SDSU Rodeo in nylon, or a combination. Things to consider are fit, durability, Breakaway Roping and 2015 Trey Richter qualified OUTSTANDING protection provided given the hot or cold environment and Casper this year.” Great Plains Region Breakfor the CNFR for the second PAY PACKAGE Participants representing price. away Roping Champion. time. The sophomore from Sign On Bonus 150 different universities will “Other protective items that should be provided to emMileage Pay be competing at the CNFR. ployees are dust masks because of the dirt, dust, and molds SDSU has had 65 team mem- in the environment in which work is being performed,” ErickOn Duty Pay bers qualify for the CNFR son said. “I also encourage everyone to consider sunscreen. Per Diem during the past six years. Even though this is technically not a type of clothing, it is still and ?iGrow an important piece on the attire that should be worn with constant exposure to the sun.” ?iGrow Dear Dave, We’re debt-free including our home. My husband is a man of faith, but a bit of a dreamer. He has written several inspirational books that haven’t sold, but he feels this and public speaking are his calling. He wants us to sell the house, and live on the proceeds for a year, while he pursues this dream. What do you think of the idea? -—Christy RAMSEY SDSU Rodeo Takes 10 to Nationals Quality Notions & Yarns SOLID RELIABLE TRUCKING Since 1937 Yarns • Books •Needles •Hooks Check the website for available classes in crocheting and knitting Class A CDL + Prior Experience Call Curt for Immediate Consideration 402-678-2201 www.werner-trucking.com 1101 Broadway, Suite 104 Morgen Square 605-689-3999 www.eweknitit.com Open: Monday-Friday 10am-6pm • Saturday 10am-5pm Registered Angus Bulls For Sale Bred for calving ease & growth. Performance tested, guaranteed. Out of top bloodlines in the Angus breed. Call: Hauger’s Stock Farms IRENE, SOUTH DAKOTA Steven: 605.263.3774 17 Antique & Collector Car, Annual th Truck, Hot Rod, & Motorcycle Auction June 26th & 27th Located: Girard Auction Facilities, Wakonda, SD South Dakota’s Largest & Best Collector Car Auction! Friday 10:00 a.m.: Huge Sign & Advertising Auction. 200+ Pieces of original & investment quality items! Gas, Oil, Coca-Cola, Automobile, Neon Signs, Beer Signs & more! Friday 2:30 p.m.: 75+ Motorcycles & Scooters! All makes, sizes & ages—Indian, Harley-Davidson, Cushman, Yamaha, Honda, & More. From the Bob & Sharon Weber collection. Saturday 9:30 a.m.: 150+ Classic Cars, Trucks & Hot Rods. Many 1960’s & 70’s Muscle Cars—Camaros, GTOs, Chevelles, Mustangs, Mach 1, Trans-Ams, GTXs, Super Bee, T-Birds, Cougars, Challenger, Corvairs, El Camino & More! Plus Classic Pickup Trucks, Station Wagons & Suburban’s, Antiques including Model A’s, T’s, Overland & DeSoto; Low-mileage late model, sports cars; Corvettes, Convertibles & More. From Project Cars to Six-Figure rarities! Note: Want to sell? We might still have room—call today! Open House Thursday June 25th 1 to 8p.m. for inspection. No onsite Buyer’s Premium. Many of the vehicles offered will be sold without reserve! See GirardAuction.com for full terms, 100’s of pictures, and up-to-date listing or call for a free, full color brochure! Live Internet bidding available for all sessions through www.GirardBid.com! GIRARD AUCTION & LAND BROKERS, INC. (605) 267-2421 Toll Free: 1-866-531-6186 www.GirardAuction.com • www.GirardBid.com Men’s Sandal Sale! Give Dad HAPPY FEET! Gift Certi?cates For Father’s Day! Boston Shoes to Boots 312 W. 3rd • Yankton • 665-9092 Construction You Can Count On! Sudbeck Contracting • Roofing • Concrete • Ag Buildings • New Construction • Free Estimates Mitchell Sudbeck • Hartington, NE • 402-841-7441 You Are Invited... Yankton Baptist Church This is your invitation to attend Worship: Sunday morning at 10:45 am or Wednesday evening at 7pm. Our Worship Center is located at 607 E. 15th, Yankton, SD. See you there!! Phone: 605-665-7587 Text: 434-665-2467 www.yanktonbaptistchurch.com