Page 4 shop online at www.broadcasteronline.com April 26, 2011 1101 DAVE SAYS: Are unemployment bene?ts immoral? Dear Dave, I recently lost my job due to layoffs. I’m luckier than most, because I’m debt-free except for my house, and I have three months of expenses saved. I’ll also receive a severance package from my former employer, and my wife still has her job. I’m struggling with whether or not to ?le for unemployment compensation. Do you think it’s morally okay to do this? Brent Dear Brent, I don’t have a problem, morally or otherwise, with accepting something I’ve already paid for. The Social Security system in this country is a complete and abysmal mathematical failure. It’s proof that socialism doesn’t work. But that doesn’t mean I’m not going to take my money out. The government took it from me in the ?rst place! Now, if accepting unemployment bene?ts causes you to get the idea you can sit on your butt at home and not do anything, then I’d question your character. I’m not hearing that kind of mentality from you, though. You sound like a hardworking guy, and you two have obviously been pretty smart and responsible with your ?nances. Make sure you look at your severance package as “survival money.” You’ll know exactly how much you’ll get, so make a budget and make it stick. Cut all excess spending, and that means no more eating out, vacations, and all that stuff until you’re working again and everything’s back on solid ground. Then, you can ease back into saving and resuming a normal lifestyle. Right now really is the time for you guys to live like no one else! —Dave How About Pet Insurance? Happy 25th Anniversary Dear Dave, What’s your take on Teri & Dave Nygaard having pet insurance while building wealth in order to avoid being sidetracked by pet-related emergencies? Anonymous Dear Anonymous, We have three dogs in the Ramsey household, and my wife and I love those guys a lot. They’re almost like little hairy children to us both. However, we do not have pet insurance on any of them. You might be thinking that we’ve got plenty of money and don’t have to worry about that kind of thing. But even if we weren’t ?nancially blessed it’s just not something we would do. Instead, we’d ?gure a reasonable amount for pet care into our budget. Now, don’t misunder- stand what I’m saying. Reasonable expenditures to ?x a sick or injured pet are absolutely ?ne. It’s the kind of thing anyone with a heart should want to do for a pet. But ridiculous amounts of money spent on an animal— many times spent selfishly on the part of the human because they’re so emotionally attached to the animal—can be cruel, inhumane, and ?nancially disastrous. I’m not going to be mad at you if you have $2 million sitting in the bank and you decide to spend $10,000 to keep your dog alive. But pet insurance? Really? I don’t think so. —Dave * For more ?nancial help, please visit daveramsey.com. They will be at the Eagles Club on Tell them you saw it in the Broadcaster! Friday, April 29th @ 7pm Stop by to congratulate them and have some cake. 2011 Ford Escape Limited 4X4 MSRP MFG Rebate Dealer Savings Sale Price #3293 $31,835 $3,000 $1,836 $26,999 379 $ and 3.99% APR 75 month w/$2,000 customer cash. All rebates to dealer. 3.99% W.A.C. credit rebates subject to change. Announcements - 1101 Events Announcements Events MINNESOTA'S BEST FISHING located on Lake Osakis. Choose from 8 Family Friendly Resorts. Over 6,200 acres of water enjoyment. Free broc h u r e www.PlayAtOsakisMN.com 1-800-422-0785, "Explore Minnesota" (MCN) Pass the GED, ASVAB, ATB, College Entrance Tests GUARANTEED-Prepare 100% Online. As Low as $19! Study guide, practice tests, online classes! Your future starts NOW! www.testprep247.com 800-736-9313. nani Please Recyle When Done Reading! 624-4429 No gifts, please 1101 PLEASANT VALLEY Lutheran Church, Rural Vermillion: Sunday School 9:45 a.m., Worship Service 10:30 a.m., Holy Communion First Sunday of every month. All welcome. Lewis & Clark Ford mo. 316 Capitol St. • Yankton, SD (605)664-2000 • 1-877-865-7668 www.lewisandclarkford.com Sandals for Bunion Pain Relief New to the USA Boston Shoes• 665-9092 to Boots 312 W. 3rd • Yankton NEW!! #5738 Extended Hours. Walk-Ins Welcome. Extended hours, extended appointments, and walk-in patient visits. We are responding to the busy lifestyles of families and students. Our physician and PA staff can see you today. It’s that simple. We’ll take time for your questions and treatment, and you’ll be glad you relied on us for your care. Monday-Friday Monday-Friday 6pm to 9pm 8am to 6pm 605-624-8643 So Much Care, So Close to Home. ® Profiling Beauty is pleased to announce the launch of a brand new Direct Sales company. The founder is performing income opportunity events in the Midwest region through September before going national with a DVD release. Join our team, be one of the first to learn the latest techniques in skin care and make up using our proprietary precise scientific technology. An event in your area is scheduled for May 4th at the Holiday Inn Express in Vermillion; two classes: Noon and 7:00 PM, call 800-731-9092 to reserve our training space. Limited class sizes are available. PROVIDENCE REFORMED Church, 830 Madison: Sunday School 9:30 a.m., Sunday Worship 10:30 a.m. “We Welcome You To Historic Protestant Worship And Fellowship.” REACH 2 MILLION HOUSEHOLDS! Do you have a product, service, or business that would be helped by reaching over 2 million households throughout Iowa and the surrounding states? The Midwest Classified Network will allow you to reach these potential customers quickly and inexpensively. For more information concerning a creative classified ad call this publication or Midwest Free Community Papers at 800-248-4061 or get information online at www.mcn-ads.com (MCN) MSRP......................$20,425 MFG Rebate..............$1,500 Dealer Savings.............$944 Sale Price..............$17,981 253 $ month* 72 month w/$2,000 customer cash. 3.99 APR W.A.C. 2720 Broadway • Yankton, SD (605)665-8033 • 866-268-9514 www.broadwaychrysler.com ATTENTION Mushroom Hunters Morel Mushrooms Paying up to $1200 per pound for good quality Morels (Price subject to change daily — CALL AHEAD. We reserve the right to adjust the price according to the market and the quality and condition of the product.) Mushrooms should be free of dirt and debris, but not washed. 101 South Plum • Vermillion, SD 57069 www.vermillionmedicalclinic.com Plain Talk seeks Donations for Book Sale The Vermillion Plain Talk is seeking donations for a book sale to be held during the Vermillion’s City Wide Rummage Sale. The book sale will be June 23rd and 24th. All kinds of gently used books, VHS/ DVD movies will be accepted (No Encyclopedias or Text Books please!) Books can be brought to the Plain Talk Office, 201 w Cherry, Vermillion. Donations will be accepted M-F from 8:00 a.m. to 12:30 p.m. and 1:30 p.m. to 5:00 p.m. until June 17th, 2011. Proceeds from the sale will go to the Newspapers in Education program, which provides free newspapers to classrooms in Vermillion and the surrounding areas. 2011 Dodge Caliber Main Street We will be buying Clinic Hours: Announcements Events People’s Grocery Crofton, Nebraska Day Phone (402) 388-4329 • After 7 p.m. (402) 388-2471 Cell Phone (402) 640-2192 • (402) 640-0211 Certified and Licensed