July 18, 2017 • Page 2 shop online at www.missourivalleyshopper.com Dave Says By Daris Howard Rental House Being Foreclosed Dear Dave, I’ve been living in a rental house for some time now. I was just told by the owners that the house is being foreclosed on next week. I’ve tried to call and email them, but haven’t heard anything back. Should I go ahead and pay rent for this month? John Dear John, I wouldn’t. The bottom line in a situation like this is: You’re giving them money and they’re not paying the bills. I wouldn’t give the owners anDave other dime until they return your phone calls or talk to you in person and let you know the details as to what’s going on with the house you’re living in. In the meantime, I’d advise speaking with an attorney and a real estate professional in your area to find out exactly what your rights are at this point. Many places require a 30-day notice before renters are required to vacate a property. Good luck, John! — Dave Ramsey Dear Mike, First, I want you to take a deep breath and calm down. Debt collectors like to play on your emotions because they think you’ll give in and do something you can’t really afford to do. Most of them don’t care about you or your situation as long as they get some money. They won’t garnish your wages because they can’t. They would have to go through the formal, legal procedure of first suing you and then winning the case. They broke federal law by saying they would garnish your wages but hadn’t sued you. If I’m in your shoes, I’d be filing a complaint against these bozos with the Federal Trade Commission. Don’t react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise. If they get nasty or break federal law again, let them know you’ll be filing another complaint with the FTC. You’d be surprised how reasonable these people can be when faced with the possibility of government intervention. In the meantime, do everything you can to scrape up as much cash as possible. Have a big garage sale and sell everything in your attic or basement you don’t need. Then, when you get this mess cleaned up, pay off the rest of your debts — if you have any — and start living on a written monthly budget! — Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven bestDear Dave, selling books, including The Total Money Makeover. The Dave I got a call from a debt collector regarding $2,000 I owe in medi- Ramsey Show is heard by more than 12 million listeners each cal bills. I’m trying to get my finances in order and pay this off, week on 575 radio stations and multiple digital platforms. Follow but I’m afraid they’ll follow through on their threat to garnish my Dave on Twitter at @DaveRamsey and on the web at daveramwages. Can you give me some advice? sey.com. Threaten To Garnish Mike erested in this spot? ll 665-5884 to your ad here. nterested in this spot? ll 665-5884 to e your ad here. Billy had to get his chores done early. It was the heat, of course. Now that it’s summer, he no longer has to escort the kids across the street while Martin holds the sign. No kids at the crosswalk for a couple of weeks now. So Billy, being the official town dog, was still kind of feeling his way along in this business, because he was not quite a year into his reign and he was learning to roll with the seasons. He got up from his bed under the elm tree before it was even daylight and went on down to the Mule Barn truck stop and coffee shop, because they turned their lights on first. Well, except for the police station, and nobody needed him there, really. So he’d go to the back door of the Call 665-5884 until the your ad here. Mule Barn and waitto place kid with the apron came out with some trash. Then he’d wag real hard and sometimes it means fried egg scraps, sometimes a porch chop bone, and if he was lucky, a slice of bacon. Real bacon. The kind that crunches. Then he’d kinda hang around in the park for a while in case anyone who was out for a walk and was dogless would like to have him tag along for company. Walking without a dog, everyone knew, just wasn’t right. And the water in the fountain was always good. After the old folks had their coffee and breakfast at the Rest of Your Life Retirement Home, they go in the activity room and watch the news on television. Billy always helped them with that. There were good ear rumples in it for him by experienced rumplers. But in the heat of the day, there wasn’t much else to do but go to the shade and sleep. I mean, not every day can be as much fun as helping the kids get to school. But September’s coming. He just had to nap and wait. September’s coming. INTERESTED IN THIS SPOT? www.missourivalleyshopper.com www.missourivalleyshopper.com www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com erested in his spot? ll 665-5884 to e your ad here. Let Our Family Business Keep YOU NEED IT TODAY? NO PROBLEM! Yours In The Go With: FAX IT 605-665-5882 • Farm Filters • Hydraulic Hoses • Bearings & Seals Cox Auto Missouri Valley Shopper 216 W. 4th St. • YANKTON,SD 1007 Broadway Ave 605-665-5884 Yankton, SD erested in this spot? RepaiRable 665-5884 to place your ad here. INTERESTED IN THIS SPOT? CALL 665-5884 TO PLACE YOUR AD HERE. 605•665•4494 2015 Ford Explorer XLT SDSU Announces 2017 Eminent Farmers/Ranchers & Homemakers BROOKINGS, S.D. - South Dakota State University Colleges of Agriculture and Biological Sciences and Education and Human Sciences will recognize four individuals with the Eminent Farmer/Rancher and Eminent Homemaker Honor during a banquet September 15, 2017 at the McCrory Gardens Education and Visitor Center, Brookings. Banquet reservations are $25 and are available from the Office of the Dean of Agriculture and Biological Sciwww.missourivalleyshopper.com ences, Berg Agricultural Hall 131, SDSU Brookings, S.D., 57007 or by calling 605.688.4148 after August 1. The 2017 Eminent Farmers/Ranchers honored are John Moes of Florence and Tom Varilek of Geddes. The Visit our Web site at 2017 Eminent Homemakers honored are June L. James of www.missourivalleyshopper.com Nisland. Hazel and Gwenn Vallery of Established in 1927, the Eminent Farmer/Rancher and Eminent Homemaker awards recognize individuals for their contributions of leadership and service to the community onVisit our state and national level. the local, Each year site at selects four individuals to honor Web SDSU based on confidential nominations from across the state. www.missourivalleyshopper.com The nominations are reviewed and selected by a committee of SDSU faculty members, administrators and SDSU Extension personnel. The selected honorees are approved by the Deans of the Colleges of Agriculture and Biological Sciences and Education and Human Sciences. The honorees photos join the more than 300 porVisit our Web site at traits of Eminent Farmers/Ranchers and Homemakers www.missourivalleyshopper.com which are displayed in the "Hall of Fame" portrait gallery located in Berg Agricultural Hall on the campus of South Dakota State University. Snap Up a Deal in the Classifieds Call or go online to browse, buy or sell! 4x4, 31k miles, Black/Black Leather, Front & Air Bags Needed You FIX you SAVE $9,200 In Print and Online! 665-5884 • www.missourivalleyshopper.com www.missourivalleyshopper.com 605-665-3720 • Yankton, SD Intimidator Skidsteer or Euro Mount Attach A true land-clearing, obstacle-removing attachment for your skid-steer or tractor, the Intimidator is ideal for eliminating trees, saplings, shrubs, bushes, and other obstructions on the jobsite or farm. Call For Pricing Fire Fighting Unit Over 95 Years In Business Sleep My mother is now ninety-one years old, and her life of long days of work is still ingrained into her. I grew up on a dairy farm, and at its peak we were milking one hundred and twenty cows. The tardy bell at school rang at eight-thirty in the morning, so we had to be up by around five o’clock to get the cows milked and fed in time. My mother was up before we were to make breakfast, and now that she is retired, she still is often on the same schedule. There have been a few times that she has decided she needed to talk to me early on a Saturday morning. I am often up before six in the morning, but on Saturday I like to sleep until six-thirty. But Mom has called me now and then at four o’clock. One Saturday morning when she called me at that time, I answered the phone groggily with my voice cracking. “Oh, did I wake you?” my mother asked. “Yes,” I said. “We do like to sleep in just a little bit on Saturday mornings.” “Okay,” she replied. “I will call you back later.” Being wakened in the middle of the night makes it hard to go back to sleep. It was almost a full hour before I began to slip into a slumber, and just as I did, a little after five o’clock, the phone rang again. I answered it and heard my mother’s voice on the other end of the line. “So I called back to talk to you about what I called about before,” she said. I stretched and rolled out of bed to visit with her in another room so my wife could sleep. I didn’t think there was any reason for me to try to sleep again. But recently, Mom had an interesting sleep experience of her own that she wanted to tell me about. “Do you know I go to bed at seven every evening?” she asked. The last time I went to bed at seven in the evening was a couple of years ago when I was so sick I had the mortician’s number on my phone’s speed dial just in case. I actually didn’t know Mom went to bed that early, but I knew better than to call her much past five. “I didn’t know you went to bed quite that early,” I said. “Well, I do,” she continued. “Saturday evening I went to bed as usual, and I immediately fell asleep. When I awoke, I felt more refreshed than I usually do. I looked at the clock, and it said it was eight o’clock. I have church at nine o’clock, so I almost panicked. I have never slept that late. I hurried and showered and ate breakfast even though I wasn’t really hungry. But that isn’t all that unusual at my age. I hurried to church, and you know what I found?” “What?” I asked. “I found the whole place empty. There was not a car in the parking lot, and every church door was locked.” “Did you begin to wonder if everyone had been taken to heaven and forgot to tell you about it?” I asked. Mom didn’t even answer my frail attempt at humor and continued her story. “I thought and thought about what could have happened. Was church canceled? Were we meeting somewhere else? But then I looked across the street to the grocery store that is closed on Sundays, and its parking lot was full, and people were coming in and out as busily as you please. And I didn’t know what to think.” “If I was your age,” I said, “I would have thought I died and ended up in a strange world.” Mom again ignored me. “What I finally realized,” Mom said, “was that the sun was sinking in the west, not rising in the east. I had only slept one hour, and it was still Saturday evening.” “So what did you do?” I asked. “I went home and went to bed so I could get up at four to get ready for church,” she replied. South Dakota Medicaid Fraud Unit Takes Part In Nationwide Health Care Fraud Sweep PIERRE, S.D. – Attorney General Marty Jackley announced today that the Attorney General’s Medicaid Control Fraud Unit (SD MFCU) participated with various law enforcement authorities in a nationwide coordinated health care fraud sweep. “This coordinated action demonstrates the effectiveness of our relationships with federal, state, and local law enforcement,” Jackley said. "By working together, we protect taxpayer resources and better ensure Medicaid dollars help those in need of assistance." The sweep resulted in criminal and civil charges against 243 individuals, including 46 doctors, nurses and other licensed medical professionals, for their alleged participation in health care fraud schemes involving approximately $712 million in false billings. SD MFCU worked with other law enforcement agencies on two cases involving alleged drug diversion by medication aides in Yankton County and in Turner County. The two cases are listed below: • Cristy Luv Brandt, 37, Avon, one count of ingesting a substance other than alcohol to become intoxicated, class 1 misdemeanor • Sean Michael Hinds, 26, Hill City, one count of possession of a controlled substance, hydrocodone, class 5 felony, punishable by up to 5 years and/or $10,000 fine Since January 1, 2014, SD MFCU has assisted in the recovery of over $3 million for taxpayers. Serving... Vermillion, Yankton, Sioux City and Everywhere In Between Heavy Duty Hose Reel & Tank To Ensure No Failures In A Time Of Need! The right job is just one click away. • Complete with a quick fill kit to enable filling from your local water source • Unique fire fighting nozzle for high volume spraying 2,650 $ of Tyndall on Hwy. 50 Corner of Hwys. 50 and 5 miles West www.schuurmansfarmsupply.com 37 Ph. (605) 5 3 89-3909 or Cell (605) 464-111 www.missourivalleyshopper.com In Print and Online! Call 665-5884 Vermillion: 605.624.5618 • Yankton: 605.665.4348 Sioux City: 712.252.2000 Scag Liberty Z