December 19, 2017 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Nothing But A Fire Drill The Past Can Haunt You By Daris Howard Our high school chemistry teacher flipped the fan switch in the chemistry lab, and a loud pop sounded. “Oh, shoot!” he exclaimed. “We can’t do the experiment without the fan.” “Hey,” Brent said. “My dad is an electrician, and I can wire almost anything. Do you want me to take a look at it?” Mr. Hatsker shook his head. “Probably not, Brent. I’ll acquisition the school to get it fixed.” “Are you sure?” Brent said. “I’m sure I could have it fixed in minutes.” “I better not,” Mr. Hatsker said. “I probably need to go through the right channels.” “What about the due date on our lab project?” Marcy asked. “There is no way we can have it done by Friday.” “I will move that back a few days,” Mr. Hatsker replied Mr. Hatsker called the principal to come down, and they discussed the situation. “Well, we can definitely have the district repairman come look at it,” the principal said. “But I can’t guarantee any timetable on it. They are doing some remodeling at the district office.” “My lab should come first,” Mr. Hatsker replied. “The problems with the lab have already put me a couple of weeks behind this semester.” The principal shrugged. “I will do my best.” Mr. Hatsker started us working on some new material in the book. We hadn’t been at it very long when the principal came back. “I hate to tell you this, but they can’t do it for a couple of weeks.” “A couple of weeks!” Mr. Hatsker exclaimed. “We can’t wait a couple of weeks. We need it now.” The bell rang, and we gathered our books to leave. Brent hung around behind as the rest of us headed to lunch. As lunch was coming to an end, he joined us to quickly wolf down some food. “Where have you been?” I asked. He leaned over and whispered. “I fixed the fan in the chemistry room.” “I don’t know if I am happy about that or not,” I told him. “Now we’ll have to do our lab projects.” “Beats studying from the book all class period,” he replied. The next day, Mr. Hatsker started to lecture. “Aren’t we going to go to the lab?” Brent asked. “There’s nothing we can do until the fan is fixed,” Mr. Hatsker replied. “But I think it is,” Brent said. Mr. Hatsker looked at him suspiciously, but we all traipsed into the lab to check it out. He flipped the switch, and, sure enough, the fan spun, rattled, and came to life. Mr. Hatsker shrugged and told us to all get busy. We pulled out the sulphuric acid at our stations and started to work. Soon, those of us closest to the fan started to cough and choke, and before long, everyone was. “The fan is blowing backward!” Mr. Hatsker yelled. “Everyone, outside!” Stop searching. The He pulled the fire alarm as we headed out the door. I Help Wanted section was the last student out, and I could hear screaming coming of the Missouri Valley through a door in the chemistry lab that always remained Shopper lists many locked. I had always thought it was a closet. Through my choking, I asked Mr. Hatsker where it led. possible new job a second entrance to the by the opportunities. place your“It ishere. to develop pictures,”darkroom usedthrough Call 665-5884 to ad yearbook class he answered Find a career that’s his own coughing. Within minutes, students were pouring out of every door, right for you. happy to be out of school. When they found it was because Brent wired the fan backward, they were high-fiving him. www.missourivalleyshopper.com But there was one person who wasn’t happy. The yearbook advisor, coughing and choking, was marching determinedly in the direction of our celebrating, and she wasn’t smiling. Brent saw her comVisit our Web site at ing and tried to calm everywww.missourivalleyshopper.com one’s exuberance. “Just act normal and remember, you don’t know anyBrian & Jean DeGroot, Owners thing about any fan. We can 802 Broadway • Yankton, SD just say it’s a fire drill.” Visit a (605) 665-1596 Just then our fire truck Web site at www.bridgecityautoyankton.com rushed up. Firemen jumped off,www.missourivalleyshopper.com donned gas masks, and FEATURED VEHICLE rushed into the building. “A very realistic fire drill,” Brent added. Apps and Stocks? Dear Dave, My wife co-signed on a loan for an Dear Dave, old boyfriend five or six years ago. What do you think about online investing apps, and the way they Now, a collection agency is after her allow you to jump in and out of stocks for really low fees? for the remaining $5,000. We make Anonymous about $90,000 a year combined, and our attorney recommended we file Chapter 7 bankruptcy. The idea of fil- Dear Anonymous, I don’t think about them, and I don’t use them. And I don’t ing bankruptcy scares me. Is there a play single stocks — period. better way to handle this? There’s a ton of research out there showing that people who Jeffery play individual stocks on their own — or with their broker, or with a golfing buddy — see a rate of return of about seven perDear Jeffery, Your attorney doesn’t sound very cent on average. You can make anywhere from 10 to 14 percent, bright. A bankruptcy stays on your on average, with good growth stock mutual funds. Dave I could probably play single stocks more intelligently than record for years. It’s just plain stupid to consider trashing your financial life over most people, but why? If the average is noticeably less than I’m seeing with my mutual funds, why bother going there? Plus, $5,000. This collector bought the loan for pennies with a mutual fund portfolio, you’ve got someone who does on the dollar. It’s an old debt, and that means there are very low this kind of thing for a living managing and researching your expectations for collection. At the same time, your wife did co- investments for you in your best interest. I don’t have an app on my phone that lets me trade stocks, sign for the loan. If you have the money, and you can pay it off without hurting nor do I plan on getting one. There’s nothing wrong with apps, yourselves financially, do it. That’s the right thing, both mor- in general, but I’ll never recommend jumping in and out of ally and legally. If you don’t have that kind of cash on hand, try single stocks as a method of investing. — Dave haggling with them. See if you can get them to agree to settle for $2,500. Remember to get this agreement in writing before you send them a dime, and do not give them access to your bank account. * Dave Ramsey is America’s trusted voice on money and busiChances are they’ll threaten to sue and all that stuff, but my ness, and CEO of Ramsey Solutions. He has authored seven bestguess is you can work out something on an old loan like this. It selling books, including The Total Money Makeover. The Dave may take a couple of weeks and a little patience, but that’s a small Ramsey Show is heard by more than 12 million listeners each price to pay if it saves you $2,500. week on 575 radio stations and multiple digital platforms. Follow Sorry, but you guys will have to pay something to make this go Dave on Twitter at @DaveRamsey and on the web at daveramaway. And I hope it teaches you both a valuable lesson — never sey.com. co-sign on a loan! — Dave RAMSEY finding the right job is easier than you think There is a nighttime sweetness and hope that hovers over us this time of year here at home. This is a time for summing up and looking ahead … and a time for dreams. And at night… ah, that’s the time, isn’t it? Outside it’s dark, December dark, and we’re inside and warm and cocooned up. The cold makes our world shrink, especially at night. But we have our dreams. For Janice Thomas, our art teacher at the high school, it’s that painting she’s planning. She makes starts at it, from time to time, but she’s wise enough to know she isn’t good enough to paint it yet. She paints other things well, but that one … it has to be perfect. It will be the painting of a lifetime, she knows. Doc will drift off to sleep tonight thinking about that new fly rod. He has half a dozen, of course, that will take about any weight line, and let him catch anything from mouse to moose. But even the most expensive rod isn’t what he dreams of. This year, for Christmas, he’s giving himself a rod-builder’s jig, and he will make his own rod from a Sage blank. That will be the one. It will have his own wrappings and he’ll put the ferrules on it himself. He’ll be able to feel the fish breathe with this one. It will be true and wonderful and last forever. For cowboy Steve, the December dream is always the same: fixing up that little cabin, and a little corral to go with it. The cabin will have a stone fireplace when he gets through with it, and knotty pine walls. He’ll sip coffee in this cabin, and listen to music on the radio and hear the breeze going through the pines outside. And in the corral, ol’ Snort waits for him to get ready for another ride. There is a nighttime sweetness and hope that hovers over us this time of year. 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