Page 4 shop online at www.broadcasteronline.com DAVE SAYS: 1250 Is Downsizing The Answer? Dear Dave, My wife and I are about to have our ?rst child. She’d like to stay home with the baby after it’s born, so we’ll be losing about half our income. We’ve looked at our budget, and we can stay in the house but things would be very tight. I’ll make $42,000 this year, with a potential bonus of $23,000 at the end of the year. Our house payment is $1,550 a month. Do you think we should downsize to a smaller home and live more comfortably? Mike Dear Mike, I hate it when people have to leave their homes. It can be a hurtful thing to the heart and spirit. If you had $65,000 as a steady income the house payment wouldn’t be a big deal. But you can’t count on a potential bonus, and from your guaranteed income, more than half your take-home pay will be wrapped up in a house payment. You’d probably have to take a part-time job, or save any bonus you get to subsidize your income just to have a realistic chance of making ends meet. August 2, 2011 I’m all for mom staying home with the kids – especially a little baby – whenever possible. But when it comes right down to it, Mike, you and your wife have to decide if it’s worth the part-time work and budget hassles to stay where you are. Moving is no fun, especially when it’s something you’re forced to do. But you don’t want to be a slave to your house payment either! —Dave Broker Diversity? Dear Dave, Is it a good idea not only to diversify among various mutual funds, but also among different companies that sell mutual funds? Brian Dear Brian, There’s no need to do that. Find one good broker you’re comfortable with, and who has the heart of a teacher. You want to know what’s going on with your money, and ?nding someone who can explain it well and help you understand the details is a must! Just make sure your broker is not directly connected to the mutual fund. You don’t want someone with a vested interest. What you’re looking for here is someone who can objectively connect you to a good mutual fund with a solid ?ve- to 10-year track record. —Dave Dave RAMSEY Re?nance Questions Dear Dave, We’re thinking about re?nancing our home, and will be talking to a loan of?cer next week. What kinds of things do I need to know so we can protect ourselves in the deal? John Dear John, It’s not really a big deal. You’ll get a Truth in Lending Sheet and an Estimated Settlement Sheet. You might want a little more detail, so ask them to give you a sample settlement sheet based on the size of your loan. Watch out for points and origination fees. These are nothing but pre-paid interest. You might get a little lower interest rate if you pay them, but the breakeven point is between seven and 12 years to get your money back. Since the average mortgage is re?nanced every 5.6 years, paying points and origination fees is not a good deal. And don’t worry if the loan of?cer tells you this isn’t normal. They can make just as much money from the sale. They’ll just have to work a little harder to do it! —Dave * For more ?nancial help, please visit daveramsey.com. Motorcycles 1335 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, usa@classicrunners.com (MCN) 1270 Utility Trailers TRAILER SALE: New & Used pull-behind Motorcycle trailers (Alum). Motorcycle haulers open & enclosed. Wheel chocks, Tie straps, E-track & rings. See our inventory at: www.fortdodgetrailerworld.com 515-972-4554 SEE YOU AT STURGIS! (MCN) 1315 Drivers DRIVERS OWNER OPERATORS: Dedicated Freight. Earn Up To 20k Month. Miles, Money, Drop And Hook, Sign-On Bonus. 1-877-290-9492; www.NorthAndSouthExpress.com (MCN) TRUCK DRIVERS WANTED Best Pay and Home Time! Apply Online Today over 750 Companies! One Application, Hundreds of Offers! www.HammerLaneJobs.com (MCN) 1335 Other Employment ** ABLE TO TRAVEL ** Hiring 10 people, Free to travel all states, resort areas No experience necessary. Paid training & Transportation. OVER 18. Start ASAP. 1-888-853-8411 nani Other Employment AIRLINES ARE HIRING Train for high paying Aviation Career. FAA approved program. Financial aid if qualified Job placement assistance. CALL Aviation Institute of Maintenance 866-231-7177. (MCN) Blue Jean Job!! Hiring Sharp/Fun People! Free to travel entire United States. Company paid Lodging/Transportation. Great pay + Bonuses. Get Hired Today. Work Tomorrow! 1-888-853-8411. nani Construction Help Needed: 2-3 full-time job openings for hardworking individuals. Competitive wages and overtime available. Experience preferred, Bloomfield, NE (605)660-2824 (Shane) or (402)373-2495 (office) EXPERIENCED PERSON wanted for cattle feeding/ farming operation. Must be self-starting, good with livestock. Have a good work record modern equipment facilities. Competitive salary, growth potential/extras provided. Call Mason Grove Land and Cattle. Dean Wilken (402)373-4525. Help Wanted: Full-time help for farm/feedlot/cow/calf operation. (402)833-8255 or (402)256-9353. ROAD RULES!! Looking for sharp, money motivated young adults to come Work, Play and Stay across the USA! Call Today, Start Today!! Ms. Decembria: 985-271-0223 or Toll Free 1-855-575-3599 (MCN) Call Classifieds 624-4429 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. Use thisUse this convenient form to submit yourus for publication. convenient form to submit your ad to ad to us for publication. Ad deadline is Friday noon for Tuesday’s publication. Payment must accompany ad. Ad deadline is Friday(One word per blank.) noon for Tuesday’s publication. Payment must accompany ad. (One word per blank.) (One word per blank.) 1 1 2 2 3 3 4 4 5 5 6 6 7 7 8 8 9 9 10 10 11 11 12 12 13 13 14 14 15 15 16 16 17 17 18 18 19 19 20 20 21 21 22 22 23 23 24 24 25 25 Select Publications: Select a Category: ? Agriculture ? Auctions ? For Sale Merchandise ? Pets H H H H (Per Week Charge) ? Announcements ? Employment ? Lost and Found ? Real Estate H H H H Broadcaster ($6.60/15 words; 30¢/word after 15) _____________ ? Automotive ? For Rent ? Miscellaneous ? Want to Buy H H H H Missouri Valley Shopper +____________ Select Publication: ($4.00/15 words; 15¢/word after 15) Norfolk Area +____________ Per Week Charge Shopper ($3.75/15 words; 15¢/word after) Broadcaster/Plain Talk and Missouri Valley30¢/word after 15) ($8.10/15 words; words; __________ Columbus Area Choice ($2.80/15Shopper 15¢/word after) +____________ ($12.90/15 words; 45¢/word after 15) +__________ Reaches 13,000 homes York Trades ’N Transactions ($2.30/15 words; 15¢/word after) +____________ Combination reaches Shopper ($4.10/15 words; 15¢/word after 15) Combo into the Missouri Valley35,000 homes +__________ Albion AdVisor ($3.00/15 Photo ($5.00): words; 15¢/word after) +____________ Bold Face Combination reaches 35,000 homes ______ Type ($3.00):______ +__________ or Number ofType ($3.00):______ Photo ($5.00): ______ +__________ Bold Face Weeks to Run Ad: x ____________ TOTAL COST: __________ UltimateWeeks9topapers ($39.45/15 words; $1.50/word after 15) 9 – Run Ad: x ____________ _____________ Number of +__________ Call in your ad to Photo ($5.00): ______ TOTAL COST: __________ Bold Face Type ($3.00):______ 605-624-4429 Fax your ad to: 605-624-2296 +____________ Email your ad to: classifieds@plaintalk.net Number of WeeksCall in yourAd: to 605-624-4429 Fax your ad to: 605-624-2296 x ____________ to Run ad Or place your ad online at www.broadcasteronline.com Email your ad to: penny.tucker@plaintalk.net TOTAL COST: _____________ Or place your ad online at www.broadcasteronline.com Name: ––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Name: ––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Name: _________________________________________________________ Address: ––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– – Address: ––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– – City/State/Zip: ––––––––––––––––––––––––––––––––––––––– ––––––––––––––––– City/State/Zip: –––––––––––––––––––––––––––––––––––––––––––––––––––––––– – Address:________________________________________________________ Payment Payment ? Cash ? Check ? Credit Card H Cash H Check H Credit Card City/State/Zip: ___________________________________________________ ? ? Mastercard H Visa H Phone Number: __________________________________________________ CC# ––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– – ––––––––––––––––––––––––––––––––––––––––––––––––––––– Check______ Visa______ MasterCard______ Exp. Date:________________ CCV: (3 digit code on back of the card:–––––––––––––– Exp. Date:–––––//––––– the card:–––––––––––––– Exp. Date:––––– ––––– – – Credit Card Number: ______________________________________________ Signature: –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– – – (Bring in this form with your payment to The Broadcaster Press. payment to The Broadcaster Press. Signature: ______________________________________________________ Payment must be received before the ad runs. Thank you!) before the a d runs. Thank you!)