headerlogoweb103014

Something to Think About

SOMETHING TO THINK ABOUT

Steve Sauder is president of Emporia's Radio Stations, Inc. the owners of KVOE-AM 1400, Country 101.7 and Mix 104.9. Steve has been in a leadership position with ERS, Inc., since 1987.

December 14, 2016

People sometimes seek my advice on how to be successful in investing. Obviously my family gave me a great start, but even with that advantage it takes some hard work, a good education, smart choices and really good luck to be successful.

So, with that all said let me share some advice for young investors that is as close to fool proof as anything I know.

This story is worth repeating because it is a tried and true plan that while not very sexy, consistently works.

Four young men went to work for the same company after college. It was a fast growing company and they were being paid very well. So well in fact they sought the advice of an older man who obviously had done well in creating wealth.

"Where should we invest” they asked? “Mutual funds, equities, partnerships, bonds, commodities - what is your best advice?"

The sage older gentlemen said "My best advice is first to invest in cash value life insurance."

"Life insurance? Surely you jest" the youngsters ask.

"No," he said, "because cash value life insurance from a top rated company has passed the test of time over and again. It's not a get rich quick deal, but a decent return is pretty much guaranteed plus you have protection from lots of situations you may face later you can't even imagine today. Those other vehicles might make you more money, but the risk is much, much greater. You can take those risks later.”

He suggested each young man buy as much cash value life insurance as they could afford and said "I promise if you do this you will be thankful some day."

On the occasion of the 4 men’s 43rd birthdays they were together and one fellow asked, "Did any of you follow Mr. Successful’s advice about buying life insurance?"

Three said they had not, but one guy said he had. He said he'd agreed to invest $1,000 per month and that once it started coming out of his account he didn't really miss it. It bought him $1.1 million in a coverage called 65 Life.

"So, how has it worked out," they asked?

He had paid $240,000 in premiums and had a cash surrender value over $300,000, plus insurance coverage over $1.5 million. And, if he continued his premiums his projected Annual Income at age 65 would be over $70,000 a year!

"Best investment I've made," he said "for several reasons with the most important being all these years my family has been well protected and my investment paid consistent dividends.

My advice for anyone wanting build a strong financial foundation in these uncertain times is to take a hard look at cash value life insurance from a good company. Company records are easy to check life insurance seldom loses value!

I'm glad I did!

I'm Steve Sauder

December 7, 2016

In today’s world “the truth” has become a pretty allusive thing to tie down.

          ESU professor Michael Smith offered a new term in his recent Wichita Eagle piece. It was “post-truth.”

          In fact the Oxford English Dictionary declared “post-truth” the “word of the year!”

          Defined it is: “Relating or denoting circumstances in which objective facts are less influential in shaping public opinion than appeals to emotion and personal beliefs.”

          Obviously it also explains much of the past year in terms of things we have heard and or read. Too many stories that when fact checked were not quite what the person creating them had implied.

          Of course our President-elect Donald Trump leads the world in things said that turned out to not be exactly as he described them. No, he actually leads the universe, but who’s counting.

          Mrs. Clinton had her share, but probably not in the same class as The Donald.

My point today isn’t so much to indict our President-elect, but to point out that telling the truth has become a not so popular thing to do.

Unfortunately many of our leaders are guilty to some degree.

          Post-truth is running wild.

          Example: In 2013 while defending his new health care plan President Obama said “If you like your insurance plan you can keep it.” He did eventually apologize, but his gaff was still tabbed the “lie of the year.”

          Bernie Sander’s plan for “Free Tuition” for all was amusing to me.

          Sorry Bernie, but there aren’t any free lunches. Free maybe if you don’t pay taxes. Somebody would have to pay for that tuition, but “appealing to the emotions” of people with tuition to pay or large debts still unpaid was effective. It wasn’t a big lie, but “free tuition” was certainly not the truth.

          Now - the real test. Can our next president figure out how to govern without abusing the truth?

          I think Circumstances in which objective facts are less influential in shaping public opinion than appeals to emotion and personal beliefs will be much more difficult to find for him as president.

          I’m Steve Sauder.

November 30, 2016

          I have been characterized as a “sports junky.” So be it as today my topic is Emporia State football and with no apologies.

          Yesterday former Emporia State football coach Jerry Kill addressed my Rotary club.

          Kill coached here in 1999 and 2000 before heading to Division I Southern Illinois followed by Northern Illinois and finally Minnesota in the Big Ten. He has been named National Coach of the Year 3 times and recently was inducted into the Kansas Sports Hall of Fame. 

          Just over a year ago Kill was forced to retire from coaching – walking away from an $8 million three year contract for health reasons. He’s now an Assistant AD at K-State.

          Kill was only at ESU for 2 years winning and losing 11 games, but he played a significant role in the success of Emporia State football today.

          You see, Kill replaced Manny Matsakis after his Hornets were 9-2 in his last of 4 years here -  the Brian Shay years.

          What Kill found upon arriving at Emporia State was program with few players, footballs or scholarships. Matsakis knew he would leave after 4 years and bled the well dry!

          Kill’s leadership restored the program in a hurry and inspired a fund raising campaign known as the “Difference Makers” that still functions today.

          In his talk yesterday Kill lauded the fund raising suggesting the program could have been set back 25 years without it!

          My opinion is the three coaches most important in the history of ESU football are Larry Kramer who did the dirty work of laying a foundation for football here.

Kill who provided needed leadership and knowledge and inspired many even though his stay was short.

And Garin Higgins who now leads the best NCAA Division II program in Kansas.

          Higgins efforts are magnified when you consider the obstacles he has to overcome.

          ESU plays in the toughest Division II conference in America with second lowest athletic budget. Recent efforts including the Now and Forever campaign have increased the budget, but other schools are raising money too.

          Higgins took the job knowing that he would have fewer toys in his toy box than schools like Northwest Missouri, Central Missouri and Pittsburg but he has overcome.

          ESU athletics across the board employs an attitude of “Doing more with less.” The school may be at the bottom of the MIAA in budget, but is way better than that in results.

          Congratulations to ESU football and Coach Higgins on a great season and a great future.

          I’m Steve Sauder

November 23, 2016

Excellent thoughts from a friend via Face Book about Thanksgiving and the situation we are facing in our country and society today. Here’s what Brian posted:

Is love more important than World View?

My unsolicited advice this week is not to go to war at the Thanksgiving table. Value the person sitting across from you. If you are spending your holiday time with someone, then showing them that you care about them personally is more important than proving yourself right about religion, politics, or economic theory.

No one is going to be convinced of anything right now. We’ve all got our lines drawn in the sand, and everyone is prepared for nuclear war with one another at a moment’s notice. It is too early for anyone to declare victory or defeat. Neither candidate met most of our expectations so let’s not lose loved ones over how we ranked them.

Find something else to talk about: Life’s ambition, the year in review, your hopes, dreams and aspirations. Good Luck everyone!

Good advice.

Thanksgiving is a day to show appreciation for our many blessings and despite the turmoil and upheaval we see daily in our world we still live in the best country, in the best of times. Wonderful relationships sometimes can’t stand the discussion of religion or politics, so why take the chance?

At least for tomorrow let’s follow a couple of good ideas: First - Don’t worry and be happy; and quoting my mom again: “If you can’t say something nice about someone - then don’t say anything at all!”

Have a great turkey day! I’m Steve Sauder.

November 18, 2016

The usual rules when it comes to talking with others about religion and politics are “agree to disagree” and “if you can’t say anything nice, don’t say anything at all.”

This presidential election has certainly not been normal.

Please note there are – of course – historic divisions in the ideas put forth to lead our country. This is not about any of those issues.

Mr. Trump’s campaign featured messages of intolerance of people of other religions, races, and women. He did not adhere to the normal rules of discourse.

Mr. Trump received endorsements from KKK and other white supremacists groups -  he has yet to disavow these associations.

Calls to “unify” and “give him a chance” have been touted this past week. But President Elect Trump is showing little sign of distancing himself from Candidate Trump.

Since the election, he has named Steve Bannon as his chief strategist. Bannon is the head of a neo-conservative media site featuring memes by anonymous white supremacists opposing immigration, multiculturalism, and feminism.

Among the United States core values are “Give us your tired, your poor, your huddled masses yearning to breathe free” and “all people are created equal.” These are not values reflected in what Mr. Trump has said, in his actions, and in the people he’s choosing to assist him lead this diverse country.

Do I want Mr. Trump to fail? As president leading our nation, no – I want his agenda items that push racism and divisiveness to fail.

Mostly I want him to learn. I want him to learn that words mean things and invoke feelings that lead to actions that he can not turn on and off like a tap. Learn that people coming to believe if they don’t think they have it “great” they should blame others – usually those who are different from them. I want him to learn that children are listening and watching.

As a parent, we are always modeling behavior for our children. Just as these behaviors include being respectful and polite, they also include when to stand up and speak out.

Another age old adage is “Respect is earned, not given.”

Laura, give me a call.

November 16, 2016

          Laura is my stepdaughter by marriage.

Dear Laura,

          Have you ever heard the saying: "Don't cut off your nose to spite your face?"

It’s a warning against pursuing revenge in a way that would damage oneself more than the object of one's anger.

It was one of my mom’s favorites and seems very appropriate concerning the election of Donald Trump.

It has also come into play with Governor Brownback. Rooting for our governor to fail over the last 6 years has had a self defeating quality to it. Kind of like cutting off your nose to…. oh I think you see my point.

Same thing applies to Mr. Trump.

I didn’t vote for him, talked him down both privately and on the radio, but guess what he still got elected. Forget the popular vote that just makes it worse.

But, working against him now becomes counter productive. I think he will fail, but he is my president and I owe him respect just like I respected all the other presidents I’ve lived through. I have often disagreed with them, but have attempted to always show respect in terms of what I called them, etc.

Laura, my biggest concern in suggesting we keep our dislike for Mr. Trump under cover is not as much that either one of us has that much influence except that we do have tremendous influence to some who are close to us – like Eli.

I was so impressed when you became a Bernie Sanders supporter. You knew I didn’t share your enthusiasm, but that wasn’t important. What was important was you got involved and we had great discussions and Eli was with you. There aren’t many six-year-olds as involved as he was!

I have to wonder what Eli’s thoughts were when you had to change to Hillary Clinton because he knew you didn’t like her very much either.

My hope is we can agree that while we aren’t big Trump supporters that refusing to give him a chance is not very smart because if he fails – so does America! Even President Obama is trying to meet him half way.

Which brings me to the other saying my mom was big on that is going to be my rule concerning President Elect Trump: “If you can’t say something nice about someone, then don’t say anything at all?”

Love you guys and hope you will think about this with me. America is so unique and it needs kids like Eli, Henry and Elle and my bunch – Tate, Trey, Alex, Isaac, Scarlett, Brooks and Hudson to see positive examples in their parents.

Today’s lesson: “If you can’t say something nice about someone, then don’t say anything at all.”

I’m Papa Steve