May 24, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Can I Negotiate That? Fourth Graders Learn About Water have to do something use fixed annuities for anything, because BROOKINGS, S.D. - The 24th annual Big Sioux Water to get his attention they’re just crap. Basically, they’re a CD Festival was held on Tuesday, May 10, 2016, on the and wake him up. with a huge set of fees. It’s just an insurDear Dave, campus of South Dakota State University. Approximately If this is the case, ance agent’s product, really. I’ve had a judgment filed against 1,150 fourth grade students from 29 area public, private, he probably gets a The place for variable annuities might me for an old, unpaid medical bill. The piece of whatever he be when you’ve got everything else original amount was $2,500, but now it and homeschools were in attendance. collects. So, if he gets maxed out and your house is paid off. If has increased to $3,200. Can I negotiate The festival provided hands-on activities and experia third of $2,000 or you’ve reached that point, you can talk to this with the lawyer? I’ve asked him for a ments led by environmental and water professionals. Stu$2,500 it might make your detailed statement of the account several www.missourivalleyshopper.com advisor about some of the possible www.missourivalleyshopper.com dents learned about water issues, conservation, aquatic his house payment benefits of a variable annuity. You can times, but all I’ve gotten is a payment this month. You could leave a beneficiary on it, so that it passes booklet. life and how they can do their part in protecting the Dave also talk to the hospi- outside of probate, and you’ve got some —Bill environment. Activities included investigating sources of tal administrator, too, principle guarantees and return guaranpollution, learning why wetlands are important, seeing and let them know tees that are decent. The returns are a Dear Bill, how satellite imagery is used by water scientists, the you’ll bring a couple little lower, though, because you’ll get hit When it comes to paying off bills or thousand down there with both the annuity fee and the mutual debt, you should always pay what’s owed importance of riparian areas, and more. fund fee. if you have the money. There’s a moral, as today if they’ll accept it as payment in The water festival also provided a Teacher’s Resource So, by and large the answer is no for well as legal, responsibility involved. That full. At this point, you’ve just got to do Room for the teachers to browse, offering water educasomething to get off the conveyor belt! most people, because they don’t have being said, if you don’t have $3,200, offer —Dave their house paid off and aren’t maxing out tion ideas, information on professional development him whatever you’ve got — $2,000 or the all other retirement options. If you’re dooriginal $2,500 as a settlement. Make sure opportunities, and discovery trunks to enhance their ing all that, and you want to do something he understands that you’re not offering to Annuities for curriculum. Event coordinator Deb Springman says, “This in this area, then I might think about it. pay the amount you have on the debt, but long-term retirement? year we had folks from South Dakota Project Learning —Dave that it’s being offered as settlement in full Dear Dave, if the debt is cleared. Tree, Ground Works, and the Izaak Walton League there Are annuities good for long-term Dave Ramsey is America’s trusted The reason you haven’t gotten what to speak one-on-one with the teachers and to provide retirement? voice on money and business, and CEO of you’ve asked for so far is you may have them with resources they can use in their classrooms.” —Quincy Ramsey Solutions. He has authored seven been talking to some low-level staffer or The festival is organized by members from the East best-selling books. The Dave Ramsey Show paralegal. If you have been talking directly Dear Quincy, is heard by more than 11 million listeners to the lawyer, then he’s probably running Dakota Water Development District, the Brookings The short answer is no. There might each week on more than 550 radio stations a small debt collections or debt lawsuit County Conservation District, and South Dakota State be a rare exception when I’d use a variand digital outlets. Dave’s latest project, machine. That means you’re just one of University. Approximately 200 volunteers generously able annuity — which is a mutual fund EveryDollar, provides a free online budget dozens of widgets coming down the line. donated their time and talents to the event. The festival inside of an annuity — but as a rule I tool. Follow Dave on Twitter at @DaveRamTo you, this is very personal. But to him, don’t use annuities. And I certainly don’t sey and on the web at daveramsey.com. you’re just another account. You might is financed through monetary donations from area busiBy Dave Ramsey RAMSEY www.missourivalleyshopper.com www.missourivalleyshopper.com www.missourivalleyshopper.com www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com Visit our Web site at Visit our Web site at nesses, organizations, rural water systems, municipalities, conservation districts, lake associations, and also Community Conversations www.missourivalleyshopper.com www.missourivalleyshopper.com the South Dakota Information through a small grant from and Education Program. The event was provided at no cost to the participants and the festival budget included funding to help schools pay for a portion of their transwww.missourivalleyshopper.com portation costs. niGrow This event ends a series of community round table discussions which the Bush Foundation began in 2014. The Bush Foundation worked with SDSU Extension facilitate and coordinate the events. BROOKINGS, S.D. - South Dakota Professionals Range Following the structured Camp will be held June 8-10, 2016 at the Lamphere Campconversations, Bush Founda- ground near Sturgis (East Hwy 34). tion staff will be available to The camp’s itinerary is designed to place participants on set up one-on-one discusarea ranches that will serve as case studies toward meeting sions with any organization the objectives of the program. who wants to learn more “Attendees will participate in hands-on activities that about the available funding ranchers actually use to manage their rangelands and deand how it might fit with termine the appropriate livestock carrying capacity for the their mission and ideas. current year,” Ollila said. Registration deadline is Regionally and nationally-recognized rangeland manageJune 10 ment professionals, practitioners and ranchers will present Registration is required, key messages and concepts that have been proven to proand is set up at the Convermote and support rangeland forage production. sation event page. Deadline Activities are scheduled into the agenda to promote valufor registration is June 10, able networking opportunities. Listening sessions will occur 2016 in order to have an aceach evening with a question and answer period for invited curate lunch count. To learn panelists who can share years of rangeland management more, contact Kari O’Neill, experience and strategic planning scenarios when implementSDSU Extension Community ing practices. Development Field Specialist For more information and to register, contact Dave Ollila by email or 605.394.1722. by email. niGrow in Yankton June 14 www.missourivalleyshopper.com BROOKINGS, S.D. - The Bush Foundation will round out its listening sessions in South Dakota when staff from the organization come to Yankton for their final Community Conversation. The event is scheduled in Yankton on June 14, 2016 held at Mount Marty College in the Roncalli Center Dining Room, (1105 W 8th St). The event is free and open to anyone in the region. Beginning at 10 a.m. with registration, the event will feature success stories from the round table facilitated potential funding available from the Bush Foundation and provides participants with the opportunity to network and connect to several resource providers in South Dakota,” said Kari O’Neill, SDSU Extension Community Development Field Special- www.missourivalleyshopper.com www.missourivalleyshopper.com www.missourivalleyshopper.com Dining Visit our Web site at & Entertainment www.missourivalleyshopper.com If Visit our Web site at ist. A complimentary lunch will be served, with the www.missourivalleyshopper.com event finishing by 2:30 pm. discussions held throughout the region. “This event provides an opportunity to learn about you read this you know... advertising pays! 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