Page 4 shop online at www.broadcasteronline.com 1101 DAVE SAYS: Jumpstart our plan! Dear Dave, I’m 26, single, and I’ve been working your Total Money Makeover plan to pay off my debt. Right now, I have just $25,000 left to pay off, including my car. Recently, I was offered a chance to move to Singapore for the next six months as part of my job. I won’t have any real expenses while I’m there, but I’m worried about the effect it might have on me getting out of debt. How can I make all of this balance out? Jared Dear Jared, Why does there have to be a balance here? In my mind, this whole situation is a fantastic catalyst for helping you get out of debt even faster than before. Think about it. You’re single, and you’ve got no strings attached. This is a wonderful opportunity to travel and make more money and save more money than ever before! You’ll be able to accelerate your financial plan and have a great cultural experience, too! Now, I’m not up for this idea if you’re going over there just to hang out and goof off. But if you’re committed to the plan and to getting out of debt, then this is something you absolutely must do. You could even go ahead and sell the car now. You’ll be rid of insurance payments, buying tags, and all that stuff. Plus, it’ll just sit there losing value while you’re gone, anyway. I’m not hearing anything negative in this entire situation. Go for it, Jared! —Dave No writing, no money! Dear Dave, I called a creditor recently to settle an old debt. They offered a settlement, but said it was their policy not to put settlement offers in writing. Should I accept the deal? Joseph Dear Joseph, No way! If you don’t have anything in writing, then you have no proof that they extended the offer or agreed to a specific amount. The only one who will have “proof” of anything in this scenario is the creditor, and that’s just asking for trouble. My suggestion for handling this ridiculous situation goes something like this. Explain to them that you seem WHICH IRA IS BEST FOR YOU? LET'S TALK. Curt Robinson Financial Advisor . 23 Market Street Vermillion, SD 57069 605-624-2028 www.edwardjones.com Member SIPC Member CIPF to have reached an impasse, because you have a policy of never accepting settlements and handing out money unless the settlements are in writing. No writing, no money! It’s not a hard concept to understand, and it’s fair to both parties. —Dave Planning for retirement Dear Dave, I’d like to move to Las Vegas when I retire in about 10 years. I’ve saved up quite a bit of money, and could pay cash for a property now. Should I go ahead and buy, and maybe rent it out for a while, or wait until I actually retire? Bruce Dear Bruce, If you can pay cash now and still have plenty of savings left over, then there’s no reason not to go ahead and buy. The housing bubble has burst out there, and you’ll be able to find some real bargains in and around Vegas. I’m not big on being a long-distance landlord, but I’d be tempted to do it in a situation like this. Keep in mind that you’ll probably have to renovate the place if you rent it out for several years. It’s just the nature of things in the rental world, so make sure you figure that into your cash plan— and your emotional plan, too! —Dave * For more financial help, please visit daveramsey.com. JOHN GOEKEN’S 30TH ANNUAL Private Treaty Bull Sale Initial Bids Close April 3, 2011 at 6 pm Phone Bid Off to Follow Bulls May Be Viewed Anytime At The Ranch • 2 1/2 Miles North of Utica * Selling 55 Bulls March 29, 2011 Announcements - 1101 Events Sunday evening Experience at ONE HOUR is comprised of two primary elements: powerful worship and a life-changing message. Worship at ONE HOUR is led by a talented live band in a style that is consistent with todays culture and a relevant teaching message from LifeChurch.tv’s senior pastor, Craig Groeschel, via video broadcast. The worship is intense and the teaching is challenging but the environment will be relaxed and casual. ONE HOUR on the USD Campus at the MUC, 6:30pm Sundays! www.one-hour.org The USD Luther Center, where church and flip-flops go together! The Luther Center, at the corner of Cherry & Plum, Vermillion, has weekly worship services on Wednesday evenings at 7p.m. and 5 Alive meal and devotional gathers on Sunday evenings at 6p.m. during the school year. Pastor Kevin Jensen, 605-624-2834 TRINITY LUTHERAN CHURCH, 816 E. Clark, 624-4442: WORSHIP: Saturday Evening at 5:30pm; Sunday Morning at 10:00am. Holy Communion on the 1st and 3rd Sunday each month. Sunday School, 9am. Info: www.trinityvermillion.org Unitarian Universalist "The Uncommon Denomination." Services are the first and third Sunday of each month at 7 p.m. in the basement of the United Church of Christ, 226 E. Main. Child care services and refreshments provided. All welcome. Info: www.unitarianvermillion.blogspot.com UNITED CHURCH OF CHRIST CONGREGATIONAL, 226 E. Main St., Pastor Steve Miller. 10:30a.m. Worship Service. No Longer S t r a n g e r s www.uccvermillion.org Vermillion Alcoholics Anonymous Group: A fellowship of men and women banded together to help each other recover from alcoholism. Meetings are held in the Post Office basement. Closed AA on Tuesday, 8 p.m. Closed AA on Friday, 8 p.m. Vermillion Food Pantry is located at 816 E. Clark Street. Check our website to see if your family would be eligible for food assistance this month. www.vermillionfoodpantry.org Announcements - 1270 Utility Trailers Events TRAILER SALE: Special pric- VISUALLY IMPAIRED meeting, 1:00 every second Monday of the month. For information 605-624-4063 or 605-653-1000. WANT TO ADVERTISE TO THE MIDWEST? Place your classified ads in the Midwest Classified Network anytime online at www.midwestfreeclassifieds.com(MCN) 1200 Cars ALLSTATE AUTO INSURANCE. So Many Ways to SAVE. Switch Today & Save Hundreds! You`re In Good Hands, ALLSTATE. Call for Your FREE Quote. 1-888-656-0744 (MCN) DONATE A CAR To Help Children and Their Families Suffering From Cancer. Free Towing. Tax Deductible. Children's Cancer Fund Of America, Inc. w w w . c c f o a . o r g 1-800-469-8593 nani For Sale: 1999 Chevy Monte Carlo LS, $2500. (402)692-3742. For Sale: 2009 Ford Ranger, 2WD, white, 20,000 miles, excellent condition, (402)841-4022. 1215 Four Wheel Drive 1989 Chevy 3500 EXT Cab, 454, auto. 2005 GMC SLE Duramax, 6.6L, Crew Cab, white, LINE-X, loaded. (605)660-4306. 1225 4WD QUALITY OFF-ROAD MINI TRUCKS FOR SALE 40MPG automotive engine, HEATER, full FUNCTION Cabs & more, several models to choose from. www.ulmerf a r m s e r v i c e . c o m (605)387-5660 or (605)661-5050, Menno, SD. 1475 Wanted: Ford 2.9 V6 engine, must be in good shape. (402)841-8191. 1255 ATVs WANTED OLD JAPANESE MOTORCYCLES KAWASAKI Z1-900 (KZ900) 1972-1976, KZ1000 (1976-1980), KZ1000R (1982,1983), Z1R, S1-250, S2-350, S3-400, H1-500, H2-750, HONDA CB750 (1969-1975), SUZUKI GS400, GT380, CASH PAID, FREE NATIONWIDE PICKUP. 1 - 8 0 0 - 7 7 2 - 11 4 2 , 310-721-0726 (MCN) Other Services Will do custom sheep shearing and wool buying on consignment. Any size job on your place preferable. Sheared from 2 weeks or month at most before lambing for best results. James Varmum, (605)563-2273, Po Box 233 Centerville, SD 57014. 1490 Automotive Parts Lawn Landscaping WILL REMOVE TREE Stumps. Schumacher Tree Stump Removal, Insured. Dennis Schumacher, Call (402)388-4487. 1500 Moving - Storage STORAGE GARAGES: 10x20 w/electricty. $70 per month. Austree Storage, 605-624-8048. 1545 Windows - Doors NEED NEW WINDOWS? Call James Heating and Cooling for a free estimate, (605)624-9140. Call Classifieds 624-4429 Paul’s Plumbing, Inc. PAUL HAGENBUCH Residential • Commercial • Repair 900 N. Norbeck St., Vermillion, SD 605-624-3463 For over 60 years we’ve been constructing functional, attractive buildings. Our high-quality structures are created with your vision in mind and covered by one of the strongest, non-prorated warranties in the industry. BW 80 WW 758 ADJ YW 1263 ADG 3.15 For more information 605-368-2511 27087 Morton Court Sioux Falls, SD ©2010 Morton Buildings, Inc. A listing of GC licenses available at mortonbuildings.com/licenses.aspx. Ref #043 Please Call to View The Bulls Anytime! Agriculture Wanted/Needed: Pasture for 30 cow/calf pairs. Stan Sudbeck (402)841-5885 cell. From Concept to Completion If you have any questions or for more information contact: 1410 Trucks Style & Quality Sires Include: SAV Pioneer, Sitz Up Ward, Really Windy, Architect, JS Sure Bet, Dream On, Gold Mine, Ranch Hand, Grizzly, Cosmo, JMG Desperado, JMG Dream On, GVC Maverick, NAGE Wide Track Services PREGNANT AND AFRAID? C a l l Birthright 665-5580 (Yankton); 258-3436 (Sioux City); 3348 4 1 1 (Sioux Falls); 1-800-550-4900 ( t o l l free). 1999 4x4 Ford F-150 extended cab, 5.4 motor, blue, 97,000 miles. $7200/OBO. (402)439-2167, leave message. 1210 EQUESTRIAN | COMMERCIAL | AGRICULTURAL | GENERAL PURPOSE #7105 1/2 Sim Angus by JMG Desperado 768 x Juneau x Cosmo. Stout Made, Big Bone, with great hair!! 1400 Sucker Rod & Pipe. All sizes for fencing and manufacturing. Menno, SD. (605)387-5660 (605)661-5050. 21 Registered PB Angus, 10 Maine x Angus, 24 Sim x Angus #8144 PB Angus by SAV Pioneer x Lutton. Stout made big performing bull out of a first calf heifer. #468 3?4 Maine by GVC Maverick - Soft, Stout BW 89 WW 813 ADJ YW 1461 ADG 4.05 made, Big footed with an awesome look. BW 88 WW 690 ADJ YW 1176 ADG 3.04 ing on all Aluminum utility, motorcycle & cargo trailers; 6' x 10', 82" x 12', & 82" x 14' Dump trailers. Close-out on Motorcycle pull-behind trailers. Liner kits available for Alumn MCT's & MCT XL's, 515-972-4554 www.fortdodgetrailerworld.com (MCN) DISCOVER THE ENDLESS POSSIBILITIES OF THE WORLD OF MORTON BUILDINGS... Arrrrrre you advertising in the Broadcaster? Watch the “treasure” pile up when you advertise in the Broadcaster. 201 W. Cherry Vermillion, SD 57069 Phone:(605) 624-4429 Fax:(605) 624-2696