June 21, 2011 1460 shop online at www.broadcasteronline.com Contractors 1570 VERMILLION CONSTRUCTION CO. Poured Foundations, Flat Work; 40 Years Experience; Commercial & Residential; Free Estimates. (605)658-2345. 1475 Other Services TONER CARTRIDGES RECHARGES for fax, copiers, and printers. Yankton Office Equipment, 314 W. 4th (605)665-2289. Angel Wings Transport wheel chair/ambulatory transportation. IA, NE, SD, Medicaid accepted. Call (712)224-4722 1490 Lawn Landscaping Mulch/woodchips for sale: By the pickup load, can be picked up or delivered. (605)661-2847 WILL REMOVE TREE Stumps. Schumacher Tree Stump Removal, Insured. Dennis Schumacher, Call (402)388-4487. WILL REMOVE TREE Stumps. Schumacher Tree Stump Removal, Insured. Dennis Schumacher, Call (402)388-4487. 1505 Painting ABC Painting & Repairs. Interior/Exterior, Commercial/Residential, Decks/Staining. 20+years experience. Reasonable, quality guaranteed. (605)661-9109. 1555 Dogs - Puppies AKC Wheaten Terrier, males, 4 months. $250. Silky Terrier males, $150. (605)661-3300. Free to good home, 5 month old black lab with supplies. Call (605)659-1334. Lost - Found Pets Found: Male red heeler type cattle dog. Hwy 121 East of the dam. (605)661-4139 1600 Other Real Estate LAND LIQUIDATION20Acres $0/Down, $99/mo. ONLY $12,900. Near Growing El Paso, Texas (2nd safest U.S. CITY) Owner Financing, NO CREDIT CHECKS! Money Back Guarantee. 1-800-755-8953 nani SELL/RENT YOUR TIMESHARE FOR CASH!!! Our Guaranteed Services will Sell/Rent Your Unused Timeshare for CASH! Over $95 Million Dollars offered in 2010! www.buyatimeshare.com Call 888-879-8612 nani 1615 Houses For Rent 1-bedroom house, laundry hookups, gas heat. No pets. Deposit and references required. Larry’s Rentals (605)661-0987, (605)664-9014 after 5pm. 5-bedroom, 2-bath. New carpet, paint, and windows. Dishwasher, CA, washer/dryer available. Large deck, quiet neighborhood. $1025/month. Close to Wal-Mart in Vermillion. Available June 1st. Lynn, ( 6 0 5 ) 6 6 1 - 7 0 3 5 , (605)668-0800. For Rent: A very efficient 2 bedroom house with washer and dryer. $600/mo. Call (605)670-4828 or (605)670-8970. 1635 Commercial Rentals 2200 sq. ft. commercial building for rent. (Formally daycare). Full-kitchen, 2-bathrooms. Negotiable lease. Call Larry at (605)661-0987 Page 5 DAVE SAYS: No Option But Education Dear Dave, I hear you talk about using an ESA when it comes to funding college for your kids. What can you do with an ESA, though, if your child decides he or she doesn’t want to go to college? Anonymous Dear Anonymous, You may just have to shoot the kid. I’m kidding, of course, but if something like that happens, you’re going to get killed on the investment. An Education Savings Account (ESA) can only be used for education. If you use it for anything else, you’ll get hit with a 15 percent penalty plus your tax rate. The government’s going to take about half of your money and maybe more. Now, college is a great idea, but should everyone go to college? Of course not. Some people just aren’t cut out for college, and some kids don’t need four years at a university to ?nd the training they need to do what they want to do in life. In our house, we just talked about college as if it were going to hap- pen from the very beginning. We said things all the time like, “This money is going into your college fund.” An ESA makes perfect sense in this kind of situation, but if the entire family isn’t committed to the importance of getting an education, then you shouldn’t be loading up an ESA. But hey, if a kid doesn’t want to go the traditional college route, there’s always specialized training in several ?elds and plenty of vo-tech schools around. An ESA can be used for lots of these kinds of things, too, as long as the school participates in the federal student aid program. I don’t have a problem with any of that, as long as there’s a plan. But letting a kid get the idea that they’re just going to party and lie around while mom and dad hand half of that ESA over to Uncle Sam? Really? I don’t think so! —Dave What’s a good retirement goal? Dear Dave, Do you recommend that people have a certain goal percentage or dollar amount saved for retirement? Faith Dear Faith, Well, life doesn’t generally happen in linear fashion. In my opinion, your overall goal— closely and constantly adjusted and monitored—should go something like this: Build a nest egg that you can live off about eight percent of. If you have $500,000 stashed away, then that would mean about $40,000 a year. If you’d rather live on $80,000 a year at retirement, you’d need $1 million. Otherwise, you’re liable to start counting on the government. And we all know how well they handle money… Want to know where I got this ?gure? Throughout the history of the stock market, the Standard & Poor 500 has averaged between 11 and 12 percent. Some folks don’t think it will average that in the future, but they didn’t think it would when it was booming, either. But, if in?ation runs about three or four percent, and you’re making 11 to 12 percent, you can pull out eight percent, and you’re still leaving enough in there to give yourself an in?ation raise every year and not touch your nest egg. —Dave * For more ?nancial help, please visit daveramsey.com. Jensen Construction •Basement Walls –Reinforcement and Replacement Demolition Work & Dump Trucking Call 360-6985 THE THE Broadcaster CLASSIFIED ADS with 201 W. Cherry Street • Vermillion, SD 57069 • 605-624-4429 201 W. Cherry Street • Vermillion, SD 57069 • 605-624-4429 Classified Ads Ad deadline is Friday Noon for Tuesday’s publication. Payment must accompany ad. Use this convenient form to submit your ad to us for publication. 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