May 10, 2011 shop online at www.broadcasteronline.com 1700 DAVE SAYS: Make Him Earn It! Dear Dave, I recently received a bene?ciary IRA when my mother passed away. I also received a small part of her estate. I’d like to share some of this with my 24-year-old son. He’s a good boy, but he’s pretty impulsive and not good with money. Do you have any suggestions? Kimberly Dear Kimberly, I’m sorry to hear about your loss. It’s tough enough losing your mom without having to worry about a grown son with money issues. I’m sure he’s a good kid, but I don’t like the idea of just giving him money when you already know he’s impulsive. Over the years, I’ve learned that handing money to someone who’s ?nancially irresponsible is not a good plan. Lots of people think they’d be ?ne if they just had more money, and that’s generally not the case. You have to ask yourself if you’d really be helping this young man by giving him a bunch of money. More than likely, the answer is no. You’ve got several options. But, at his age, it might be a good idea to attach a few strings to him getting any of the money. Set up some guidelines designed to improve his behaviors in a few areas, and you could give him the money if he meets the requirements. Don’t make him jump through a bunch of hoops for no reason. I’m talking about things that will train and educate him to live a more productive and responsible life in the future—both ?nancially and as a mature, responsible adult in general. I think this is fair to you both, and it’s also a way you can help him help himself. And hey, if he refuses to cooperate or cops an attitude, you can always just keep the money until he ?nally grows up a little! -Dave Budget over?ow … Dear Dave, What should I do with any money I have left from various categories in my monthly budget? Chris Dear Chris, Some things you’ll carry over from month to month. A good example might be clothing. A lot of people, especially men, don’t buy new clothes every month. We’re usually not as style-conscious as the ladies, so we generally don’t get around to buying new clothes until something is just completely worn out. If you’re consistently over-budgeting in a category like food, you need to simply cut back on the amount you’re designating for groceries. When it comes to miscellaneous items, and if it’s just a few dollars here and there, you’ve got a few options. You might carry it over like with the food money, or you could combine the amounts into an over?ow fund. You could even put it toward paying off debt, if you have any, or stash it in your blow money category and have a little bit more to spend on fun stuff. Good question, Chris! —Dave Merchandise 1710 A twin, 3 drawer captain bed with mattress. Call (605)655-9915. Antiques - 1780 Items Wanted 1815 Collectibles Skidloaders, garden tractors AIRLINES Vendors wanted: Outdoor flea market. Memorial Day Weekend, May 28-29. Roadshow Antiques. 3300 W 8th Street, Yankton, SD (605)665-2112 Dish TV is more affordable than ever! Ask how to get a Free HD from Satellite Country. Plans starting at $29.95 with NO installation Fees. Call 877-700-5819. nani 1725 Books 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. Kid size 4-wheeler, 125cc. Maytag electric stove. (402)379-2057 after 6pm. Luggage rack cross bars, accessories included for Honda Odyssey EX. Fits years 1999-2004, $100/OBO. (605)202-1322. MEMORY FOAM THERAPEUTIC NASA VISCO MATTRESSES WHOLESALE! T-$299 F-$349 Q-$399 K-$499 ADJUSTABLES - $799 FREE DELIVERY 25 YEAR WARRANTY 90 NIGHT TRIAL 1 - 8 0 0 - A T S L E E P 1-800-287-5337 WWW.MATTRESSDR.COM nani 1705 Page 5 Items $100 or Less Adult bumper pool table. $70. Doublebed frame with headboard. $20. (605)665-8558 1780 Men?s shoes. Size 10. Black made out of calf skin. Never been wore. $65. (605)760-4327 Items Wanted Wanted Flatbed for Ford Ranger pickup. Call (402)841-8191. YOUR RADIATOR HEADQUARTERS! Introducing the NEW NAPA Radiator Program • Great Parts • Great Warranty Cox Auto ARE HIRING Train for high paying Aviation Maintenance Career. FAA approved program. Financial aid if qualified - Housing available. CALL Aviation Institute of Maintenance (888)-686-1704. & attachments. Garden tractor loaders, riding mowers, ATV’s, 3 & 4 wheelers. Mopeds, golf carts. Kohler, Onan and Wisconsin engines. Go carts, boats & boat motors. Any condition, doesn’t need to run. Call (605)254-2599. nani ATTEND COLLEGE ONLINE from Home. *Medical, *Business, *Paralegal, *Accounting, *Criminal Justice. Job placement assistance. Computer available. Financial Aid if qualified. Call 800-401-2385 w w w. C e n t u r a O n l i n e . c o m (MCN) Wanted: Alfalfa and grass hay. Round or square bales. Grinding and good quality needed. (605)957-4752 Wanted: Broken concrete, have dump in South Yankton. Just South of Discovery Bridge. (605)661-1116. Will buy estate & complete households. Guns & gun collections. (402)750-9972. 1815 Miscellaneous ATTEND COLLEGE ONLINE from Home. *Medical, *Business, *Paralegal, *Accounting, *Criminal Justice. Job placement assistance. Computer available. Financial Aid if qualified. Call 800-510-0784 www.CenturaOnline.com nani Miscellaneous **OLD GUITARS WANTED!** Fender, Gibson, Martin, Gretsch, Prairie State, Euphonon, Larson, D'Angelico, Stromberg, Rickenbacker, and Mosrite. Gibson Mandolins/ Banjos. 1930's thru 1970's TOP CASH PAID! 1-800-401-0440. nani CASH FOR CARS: All Cars/Trucks Wanted. Running or Not! Top Dollar Paid. We Come To You! Any Make/Model. Call For Instant Offer: 1-888-525-8492. nani AAAA** DONATION. Donate Your Car Boat or Real Estate, IRS Tax Deductible. Free Pick-Up/Tow Any Model/Condition Help Under Privileged Children. Outreach Center.1-800-928-7566. nani DISH Network's LOWEST ALL-DIGITAL PRICE! As low as $24.99/mo plus FREE HD FOR LIFE! Call for limited time BONUS! Call Now. 1-888-430-6211 (MCN) Hartington Tree Service • Tree Trimming• Removals/Transplanting •Evergreen Shade & Ornamental Trees For Sale Serving SE South Dakota & NE Nebraska for 17 years On-Hand & In-Stock! www.hartingtontree.com NO WAITING! 1007 Broadway Ave. • Yankton • 665-4494 Kyle & Kent Hochstein (402) 254-6710 Announcing...Vermillion Citywide Rummage * For more ?nancial help, please visit daveramsey.com. JUNE 23 -25 RD Happy Birthday Once upon a time many many years ago... way way in the distant past, so far in the past and so long ago that very few even remember, something happened that changed the world forever TH Ask About Our On-line Rummage Map! 27.00 prepaid Even though very few remember this event because it was so very very long ago, I am here to say... Stop By The Plain Talk To Place Your Ad OR Place It On-line $ At www.plaintalk.net or www.broadcasteronline.com! I have found an ancient document which proves that this event actually did happen Includes: (Your birth certificate) stating that you are now ... 50 YEARS OLD wow that is old! HAPPY BIRTHDAY SARA FRANCES FOX JEPSEN Net, Mike and Liz Fox; Josh, Kristin and Evan Fox; Nick and Becky Datzov; John and Emily Koehler; Bryan, Michele, Hayden and Carter Fox; and Her Saint of a Husband Craig Jepsen (20¢ per word over 30 words) • Your ad (30 words, 1 address per ad) placed in the special Citywide Rummage Sale section published along with the Vermillion Locator Map on Tuesday, June 21 & Friday, June 24 • Your ad will also appear on-line at www.plaintalk.net AND www.broadcasteronline.com • Garage Sale Kit: 2 Yard Signs with Stake, Stickers & Balloons DEADLINE: Friday, June 17th sponsored by the: