February 18, 2020 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Increase Life Insurance? Dear Dave, My husband and I are on Baby Step 3b, and we’re saving for a house. We’re out of debt and both of us make good money, plus we each have 20-year level term life insurance policies with coverage equaling 10 times our individual incomes. We also have an emergency fund equal to six months of expenses. I recently received a promotion at work, with a subsequent raise of $10,000. Should I update my life insurance policy to reflect this new income? Maria my wife and I split up a couple of years later, we made sure everything was current, cancelled service with that company, and we all went to different providers. A debt collector called me last week saying I owed $4,000 on 19 different devices. When I called our old provider, they said I owed $4,000 on nine devices. I asked for a current, itemized statement of the devices that were still out and the bill. So far, I haven’t heard anything back. What do you think I should do? Bob Dear Bob, Just keep on tearing into them. This thing won’t go away until you get everything completely rooted out. If you ignore it, chances are it’ll bite you on things like your credit bureau report. You might even find yourself the subject of some vague lawsuit years from now. Dear Maria, Considering the numbers you gave me, and what you I think you’re okay right now. I’d evaluate it, and know happened with the account and the devices, it maybe update the amount every three or four years. sounds like someone on their end made a clerical error. But as you get out of debt and build wealth, and as the More than likely, this is a case of typical incompetence kids get older, the real question to ask yourselves is how on the part of a cell phone company. much less life insurance do you need? You may have an uphill battle ahead of you, but I’d As your income increases and you get in better and keep on shoveling until the barn gets clean. Stay on top better financial shape, it’s not going to be necessary to of it, and don’t let them push you into giving them money have 10 to 12 times your income wrapped up in life insur- if they can’t prove they’re right. You may have to hire an ance policies. That’s just a starting point. attorney at some point to sue them and clear your name, Would your husband and any kids be well taken care but hopefully it won’t come to that. of based on your current life insurance amount? Would you and any kids be okay based on his life insurance? If —Dave the answer to both questions is yes, you’re good! —Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Dear Dave, Follow Dave on Twitter at @DaveRamsey and on the web at My wife and I put her two adult kids on our cell phone daveramsey.com. plan a few years ago. We thought there would be no problem, since they were both paying their own bills. After Dave RAMSEY Bill Dispute Graduating High School Students Encouraged To Apply For Building Trades Scholarship The Sioux Empire Home Builders Care Foundation is now accepting applications for its high school building trades scholarship program. The foundation will be awarding multiple $1,000 scholarships for graduating high school seniors who will be attending a college, university or technical institute and major in a home building industry related field of study. Scholarship recipients must reside in the service areas of Lincoln, McCook, Minnehaha or Turner counties. Application deadline for the 2020 scholarships is April 1, 2020. The Sioux Empire Home Builders Care Foundation has awarded over $70,000 in scholarship funds to area high school seniors. For additional information on the high school scholarship program, please contact their office at (605) 3618322. Applications can be found online at hbacarefoundation. com. ACLU Of South Dakota Commends Decision To Kill House Bill 1057 Today, in a 5-2 vote, the Senate Health and Human Services Committee voted to kill amended legislation that would prohibit doctors for providing medically necessary care to transgender youth and take away parents’ rights to make decisions about their children’s care. The ACLU of South Dakota opposed HB 1057. It is unconstitutional to single out one group of people and categorically ban all care, no matter how medically necessary. “Though supporters claimed House Bill 1057 was aimed at protecting vulnerable youth, it was clearly fueled by a fear and misunderstanding of transgender South Dakotans,” said Libby Skarin, policy director for the ACLU of South Dakota. “It’s time we stop these attacks and the very real harm they cause to transgender youth across our state. Let this be a signal to the South Dakota Legislature that discrimination against a marginalized group is a distraction from the needs of the state and hurts us all.” In addition to the ACLU of South Dakota, companies and organizations like the Sanford Health, the South Dakota Chapter of the American College of Obstetricians and Gynecologists, the South Dakota Pharmacists Association, the South Dakota Chamber of Commerce and Industry, the South Dakota State Medical Association, the South Dakota Retailers Association, the Sioux YOUR RADIATOR HEADQUARTERS! • Great Parts • Great Warranty On-Hand & In-Stock! NO WAITING! HOMEOWNER OR COMMERCIAL! We Have The Perfect Hustler Mower For You! Cox Auto finding the right job is easier than you think 1007 Broadway Ave Yankton, SD 605•665•4494 when you’ve got the right direction Features automatic park brake, foot operated deck lift, compact size. 42” cutting deck, 10. 5 H.P. 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