Page 4 shop online at www.broadcasteronline.com May 31, 2011 DAVE SAYS: 1101 Is It Too Late To Save For Retirement? Sand Volleyball Tournament. Saturday, June 25, 2011. St. Helena, NE. $60 per team. Proceeds benefit the Wynot, NE Softball Association. Call (402)640-6473 or email heatherheimes@hotmail.com to register a team. Deadline is June 17th to register. Dear Dave, I’m 42, and I haven’t started saving for retirement. I’m self-employed and not making a lot of money right now, plus I have about $8,000 in debt. It feels like I’m living paycheck to paycheck, and I just can’t seem to save or get anything paid off. Can you help? Avis Dear Avis, It’s never too late to start saving for retirement. If you’re breathing, there’s still time! My guess is that it feels like you’re living paycheck to paycheck because you are living paycheck to paycheck. Let’s back up a little and take a look at this. You already know that you’ve got some stuff to clean up before you’ll be in a position of strength. Paying off the debt is a great idea, but how do you make that happen? If you’re not making much money, you may have to take on a parttime job while you grow your business. It might mean a career change or something as simple as putting in more hours and kicking that business in the tail to really get it running. A lot of your money is going out the door every month to pay those debts. But if your debt was paid off, you’d have money to invest for retirement. It’s a combination of an income problem and an outgo problem that’s standing in your way, Avis. Get the income up and stabilized, knock out the debt, and then you’ll create cash ?ow to save and fund retire- www.broadcasteronline.com ment! —Dave Stay Where You Are For Now Dear Dave, I’m in college, and I live in a rental house. There’s no formal lease, and my landlord never asked for a deposit of any kind. Last January, I started receiving notices from Chase Mortgage saying that my landlord is $7,500 behind in his mortgage. I’m worried about what will happen if they foreclose on him. Should I move out, stop paying rent, or what? He’s told me not to worry, because he’s just behind on the payments and not in default. Chris Dear Chris, Well, the last part is 1101 not quite true. When you’re behind on payments you are, by de?nition, in default. Still, I think you should stay right where you are for now, and keep paying your rent on time like normal. Keep the lines of communication open with your landlord, too. I’d also contact Chase, and tell them about your situation in this house. Ask them to keep you informed about what’s happening with the property, so that you’ll have time to formulate a plan and ?nd a new place to live if the house goes into foreclosure. Chances are they’ll give you at least 30 days to move out if a foreclosure occurs. You probably won’t have to pay anything to the bank afterward, so you Announcements - 1101 Events 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. 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.” Read & Recycle! may get to sit there rent-free even longer while they sort out everything. Considering the fact that you don’t have money wrapped up in a deposit or a lease hanging over your head, there’s really not a lot of risk for you here. Your landlord is still providing the home, and the truth is that foreclosures, if it comes to that, generally take a while to complete. You might keep an eye out for other properties in the weeks ahead, but other than that, as a renter, you’re still in pretty good shape. —Dave * For more ?nancial help please visit daveramsey.com. Announcements - 1101 Events SAVE THE DATE! 2011 Vermillion Annual Citywide Rummage Sales June 23-25 Watch your Plain Talk and Broadcaster Press for details! Announcements Events 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) VISUALLY IMPAIRED meeting, 1:00 every second Monday of the month. For information 605-624-4063 or 605-653-1000. The identity of the featured celebrity is found within the answers in the puzzle. In order to take the TV Challenge, unscramble the letters noted with asterisks within the puzzle. ACROSS 3. Drug tragedy, for short 4. Usually dry stream bed 1. “The Joy Behar __” 5. Monty or Arsenio 5. Role on “JAG” 6. Peggy Bundy’s man 9. Yellow cheese 7. Trucker’s truck 10. 2001-06 spy series 8. “Mr. Sunshine” actor (2) 12. “Mayberry __” (1968-71) 9. “Fay __”; 2006 movie 13. One of two choices on for Parker Posey 18 Down’s game show 11. “__ Grapes”; 1998 16. Classic Pontiac Steven Weber film 17. “Star Wars: Episode __ – 14. __ Bradley Attack of the Clones” 15. “Babylon __”; 2008 18. “The __”; series for Vin Diesel movie Neil Flynn 18. ’05-’09 game show host 20. Night for “NCIS”: abbr. 19. Number of seasons 21. Vicki Lawrence’s role for “M*A*S*H” on her 1983-90 sitcom 22. “The __ Loves of 23. Cowardly Lion portrayer Dobie Gillis” 25. __ Johnson 24. Years in Mexico 26. NNW plus 90 degrees 29. 1974 best actor in 27. “Pirates of the a sitcom Emmy winner Caribbean: At 31. Votes from antis World’s __” (2007) 34. Actress Sheedy 28. Solemn promise 35. “Rocky” production co. 29. Actor Gross 36. Yellow Brick, e.g.: abbr. 30. “SportsCenter” network 37. “Jane __”; 1996 32. Leeza’s initials Anna Paquin movie 33. Humphrey Bogart’s love 40. Scorsese, for one: abbr. 38. Initials for a “Green 42. Baseball’s Ripken Acres” star 44. Dorothy’s Auntie __ 39. Word in the title of 46. “__’ Blue Eyes” William Shatner’s latest series 41. “__ Sings the Blues”; Diana Ross movie 42. “Boys Don’t __”; Hilary Swank film 43. Lead character in “The Little Mermaid” 45. Laughs loudly 47. “__ Wives” 48. __ May Clampett DOWN 1. Actress on “Modern Family” (2) 2. 1963 Paul Newman film Announcements Events ST. AGNES Church, 416 Walker St., Fr. John Fischer: St. Agnes Church and Parish Office, tele. 624-4478. St. Agnes Rectory, 505 Catalina, tele. 624-1995. Mass schedule: 5 p.m. Saturday, 8:00 a.m. and 10:30a.m. Sunday, Weekday Masses – consult weekly bulletin; Sacrament of Penance, Saturday 4-4:45p.m. ST. PAUL?S Episcopal Church, corner of Main and Linden. Sunday: nursery available. 10:00 a.m. Holy Eucharist. 11:00 a.m. coffee hour. Call 624-3379 for more info. The Rev. Rita Powell, priest. 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 Vermillion First United Methodist Church, a welcome place reaching out to all God’s people. Located at 16 N. Dakota St., Sunday School 9:15am, Worship 10:20am. Call 624-2179 for more info. Pastor Brook R. McBride. 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 Apartments NEXT TO WALMART UNDER NEW OWNERSHIP NEWLY CONSTRUCTED APARTMENTS • LOW ELECTRIC BILLS New large 3-bedroom with master bedroom, master bathroom, walk-in Closets New large 2-bedroom Handicap accessible, no pets, no parties. Only pay electricity, all other utilities paid! 214 Bower Street, Vermillion CALL GARY Cell: 712-899-0505 EQUESTRIAN | COMMERCIAL | AGRICULTURAL | GENERAL PURPOSE Style & Quality From Concept to Completion 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. 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. 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