November 1, 2011 shop online at www.broadcasteronline.com Page 7 1780 DAVE SAYS: Buying your unwanted gold & platinum. TeMari Designs, 909 Broadway #3, Tripp Park Plaza, Yankton. (605)260-0446. Everything Down! — When Buying Home Dear Dave, Dear Dave, I’m 21 and make $45,000 a year. I’ve heard about your 100 percent down plan to buy a house. I’d like to know more about this, and where I should put the money I’d be saving. JP Dear JP, I like the way you think! But there’s really no big “plan” to what I’m talking about. It’s not rocket science. It’s just a matter of saving like crazy and living on rice and beans for a few years, so you can save up the cash to buy your home outright. If you’re looking at buying a place in less than ?ve years I’d put it in a money market account. In this case, you’re not going to be saving long enough for interest to be a huge factor. Your best buddy is going to be a low-key lifestyle. for people living like no one else so that later they can live like no one else! —Dave Life insurance for mom Dave RAMSEY If your timeframe is more like 15 or 20 years, then you should look into mutual funds. Most people don’t stretch the idea out over that period of time, but if you do you’ll get some great help from a friend named compound interest. I don’t beat people up for taking out a 15year, ?xed rate mortgage. But I’m always HELP WANTED 1400 Services PREGNANT AND AFRAID? Call Birthright 665-5580 (Yankton); 258-3436 (Sioux City); 334-8411 (Sioux Falls); 1-800-550-4900 (toll free). Call Classifieds — They Work! 624-4429 1335 Other Employment TRUCK DRIVERS WANTED Best Pay and Home Time! Apply Online Today over 750 Companies! One Application, Hundreds of Offers! www.HammerLaneJobs.com (MCN) WORK ON JET ENGINES Train for hands on Aviation Maintenance Career. FAA approved program. Financial aid if qualified - Housing available CALL Aviation Institute of Maintenance 866-231-7177. (MCN) The City of Vermillion is seeking a full-time Housing Inspector/Code Enforcement Officer. The position is responsible for inspecting rental housing and enforcing housing, property maintenance codes, and nuisance ordinances in the City. Also assists with Animal Control responsibilities. $12.66/hr plus benefits. Experience with the methods of building construction and knowledge of zoning laws preferred. Visit www.vermillion.us/documents_employment.aspx for a complete job description and application instructions. EOE Closing date: November 11, 2011. Dear Dave, I’ve heard you recommend having seven to 10 times your income in life insurance. How much would you suggest having on a policy for a stay-at-home mom when there’s no direct income involved? Dale Dear Dale, I’d say somewhere in the $300,000 to $400,000 range, because ?nanciallyspeaking it’s going to take $35,000 to $40,000 a year to replace all the things she does. Your wife may not bring home an actual paycheck right now, but there’s a ton of personal and economic value attached to everything she does every day. That lady works hard. What she does is very important and would be very dif?cult to replace! —Dave Is it worth it? Dear Dave, I’m interested in your opinion regarding buying a maintenance agreement on a new treadmill. It covers repairs, and an annual visit to check and lubricate all moving parts. Is a maintenance agreement ever worth the money, especially if you’re not the handyman type? Anonymous Prairie Estates Care Center 600 S. Franklin Elk Point, SD 57025–0486 Apply in person or fax letter & resume to: Jenne 605–356 –2704 or call 605–356–2622 EOE or email hrdept@lantisnet.com Tell them you saw it in the Broadcaster! 624-4429 Looking for grill guard for 1989 Ford Ranger. (402)841-8191. Wanted: Broken concrete, have dump in South Yankton. Just South of Discovery Bridge. (605)661-1116. 1790 Lawn - Garden JD 54” dozer blade hydraulic lift/angle for JD 318-Lawn tractor for snow removal. (605)661-5220. 1800 Sports Equipment Animal Traps, Conibears, foot traps, Raccoon cuffs, Snares, Cinch traps for moles and Gophers, Snare cables and related equipment. Also, Walk-in cooler and upright freezer. Call (605)665-2286. GUN SHOW DTGCA at Mitchell, SD Davison County Fairgrounds. I-90 Exit 330. 1 1/2 miles West of Ramada, Mitchell, SD. October 23 9:00am-5:00pm. October 24 9:00am-3:00pm. Admission $5.00. Children under 12 free with adult. (605)-268-0254 ACREAGE EAST OF VERMILLLION AT AUCTION BEN TECH 4 U 16 years of computer experience Specializing in: • Computer Repair • Network Management 605 – 659 –1334 • bentech4u.com TODD’S ELECTRIC SERVICE “The Line To Power” Design/Build • Fiber Cabling • Commercial • Residential Service Calls • Boom Truck with Auger • Trenching Serving the Beresford and Vermillion Areas 1-800-560-2518 1221 Cornell St., Vermillion, SD • 605-624-5642 201 NW 13th St., Ste. 3, Beresford, SD • 800-560-2518 PROFESSIONAL CARPET & UPHOLSTERY CLEANING & DISASTER RESTORATION SERVICE Satisfying customers for 43 years! Plan ahead! Call today for your appointment. RN / LPN Would you like to lead a team of caregivers in a high quality, home-like environment? Our motto is to provide care with western hospitality and a smile. Full or Part time shifts available. ments. Lots of folks decide at some point to start working out and get in shape, but very few see it through to the end. A high percentage of expensive workout equipment turns into very expensive coat hangers in a short amount of time. I don’t recommend maintenance agreements or extended warranties. I self-insure by having money saved up! —Dave * For more ?nancial help please visit daveramsey.com. Vermillion, SD Dear Anonymous, You know why they sell those agreements? Because they’re huge moneymakers! No, I wouldn’t do that. We have exercise equipment in our home, and we don’t have any maintenance agree- Items Wanted 877-Louies3 (568-4373) • 624-2485 AM Lawn Care Offering Full Lawn Care Service Fall Clean–up: Leaves, Branches (605) 624–9347 or (605) 670–2113 4 Bedroom, 2 Bath 2 Story Home Wednesday, Nov. 9th 5pm Located: 31724 472nd Ave. From I-29, Vermillion Exit (Coffee Cup), 1 1/4mile East, 3/4 mile North OPEN HOUSE: Saturday Oct. 22nd 5-6 p.m. LEGAL: Replat Bird Tract I in the NW1/4, NE1/4, Sec 1692-50, Union County, SD. Estimated taxes are $1,485 – subject to change. 9.93 acres. Floor plan of this 1,712 sqft home includes kitchen with new cabinets 6 years ago, natural gas range, refrigerator, & built-in dishwasher; pantry; living room/dining room combination; den; front entry; bedroom with closet and bath. The upstairs consist of 3-bedrooms with closets and a full bath. This home has a partial basement with natural gas furnace. There are hard wood floors and oak woodwork. Also on this acreage, there is an oversized, detached single-car garage insulated with heat and door openers. Also on the building site is a barn, granary, storage shed, hog shed, single garage plus other outbuildings. Home is connected to rural water system. NOTE: This is an excellent location just 2 minutes off of I-29 with lots of room for pets and a garden. TERMS: $10,000 non refundable down payment due day of auction with balance due on closing on Dec 8, 2011. Possessionon closing. Taxes prorated to day of closing. Title insurance & closing costs will be split 50/50 between the buyer & seller. Union County Title Company is the closing agent. Auctioneers are acting as agents for the seller. PAUL JENSEN ESTATE Linda Jensen, Personal Representative. To view property, please call Rolly Jensen (605) 670-7859 Girard Auction & Land Brokers, Inc. (605) 267-242 • Toll Free: 1-866-531-6186 www.GirardAuction.com www.GirardBid.com