4 Broadcaster Press 1815 Agriculture Dave Says Miscellaneous 1850 I will ghostwrite your memoirs or personal story into book or movie. Professional writer. 130 published books, 18 films. Guaranteed Quality Services www.ProfessionalWriterJayNorth.com FREE Consultation, Jay North 805-794-9126 (MCN) LIVING WITH BACK PAIN, NECK PAIN or WRIST PAIN? Medicare recipients may qualify to receive a pain relieving brace at little or no cost, plus get Free Shipping. Call now to speak with a Rapid Relief back pain specialist! 844-887-0082 (MCN) STEEL CULVERTS FOR SALE: New, All sizes. 605-6615050 or 605-387-5660. Ulmer Farm Service, Menno, SD. STUDENT LOAN PAYMENTS got you down? We can help reduce payments and get finances under control, call: 866-871-1626 (MCN) SUPPORT our service members, veterans and their families in their time of need. For more information visit the Fisher House website at www.fisherhouse.org Ag Equipment For Sale: 2005 Merritt 42 foot grain trailer, 22,000 actual miles, excellent. Brent 880 grain cart, excellent. 726 John Deere soil finisher, 30 foot, 5-bar harrow, good condition. (605)202-1088. For Sale: John Deere 956 Moco, rubber rolls. John Deere 8400 Tractor, 70% tracks, nice condition. John Deere 637 Blackland disc, rock flex, 26 ½ foot, excellent. Call (605) 202-1088. Tell them you saw it in the Broadcaster! nani Switch to DIRECTV and get a FREE Whole-Home Genie HD/DVR upgrade. Starting at $19.99/mo. FREE 3 months of HBO, SHOWTIME & STARZ. New Customers Only. Don't settle for cable. Call Now 1800-203-4378 (MCN) Tired of the snow? Become a Winter Texan where the sun meets the gulf. Over 100 RV resorts and retirement communities for you to choose from. RV sites, fully furnished rentals and more. For more information visit www.rgvparks.org (MCN) TOP CASH PAID FOR OLD GUITARS! 1920's thru 1980's. Gibson, Martin, Fender, Gretsch, Epiphone, Guild, Mosrite, Rickenbacker, Prairie State, D'Angelico, Stromberg. And Gibson Mandolins/Banjos. 1-800-401-0440. nani 1850 Agriculture For Sale: John Deere 750 Drill, 15 foot, dolly wheel hitch, good condition. Krone 900 Swadro rake, excellent condition. Krause 8 row, 30 inch cultivator, excellent. Call (605)202-1088. FREE for 30 words or less for private party classified line ads in the Broadcaster and Plain Talk. If you need more than 30 words, don't worry you still won't pay a lot. A 31-word ad is only $.90 and the cost only goes up $.50 per word thereafter. Stop in at 201 W. Cherry Street, Vermillion or call 605-624-4429. Buying, Selling or Renting connect with area landlords, renters, home buyers and home sellers with the Broadcaster classifieds! Help Wanted: Small feedlot/ farm, experience required, (308)728-7185, (308)728-5192. Our Hunters will Pay Top $$$ to hunt your land. Call for a Free Base Camp Leasing info packet & Quote. 1-866-309-1507 www.BaseCampLeasing.com (MCN) Goals limiting one another Round corn stalk bales for sale. Will deliver. (402)3692534. 1870 201 W Cherry Vermillion 624-4429 BY DAVE RAMSEY Courtesy of EveryDollar.com Dear Dave, My husband and I are currently renting an apartment for $1,200 a month. Together, we bring home about $7,000 a month, and we’d really like to buy a house soon. Right now we have about $10,000 in debt on a boat along with ongoing stable bills, food and upkeep for our three horses. What price range of houses should we look at in our situation? Michelle Dear Michelle, Homeownership is a great goal, but first you two need to clean up your debt and build an emergency fund of three to six months of expenses. After that, I want you to save up enough for a down payment of at least 10 to 20 percent. When buying a home on a mortgage, I always recommend the monthly payments be no more than 25 percent of your monthly take-home pay on a 15-year, fixed-rate loan. Now, let’s get to the other issues. You have some things in your life that are pulling at you financially. At some point, you may have to take a long look at the situation and ask the hard question, “What is more important to me: horses and boats or home ownership?” Getting rid of that boat, or finding new homes for one, two or all of your horses, would bring in some cash to put toward your debt and cut down on at least some of the animal maintenance. Anyway, that’s how I would look at it. My wife and I both are big fans of ELECTRIC SERVICE “The Line To Power” Design/Build • Fiber Cabling • Commercial • Residential Service Calls • Boom Truck with Auger • Trenching V 1-800-560-2518 1221 Cornell St., Vermillion, SD • 605-624-5642 201 NW 13th St., Ste. 3, Beresford, SD • 800-560-2518 boats and horses. But we like boats more. One reason is because they don’t eat as much! I can’t get mad at you about either one, but right now you’ve got three things pulling at you as financial priorities — home Dave ownership, a boat and three horses. They’re all pulling at you, and they’re pulling at each other and limiting each other. Of course, you can always buy a lot less in house. But what it really comes down to is what’s most important to you. That’s the big question, and it’s one that only you can answer. RAMSEY —Dave A frank discussion about credit cards Dear Dave, I don’t understand why you don’t like it when people properly manage their credit cards and pay them off every month. By doing this, you pay no interest and in my case I even got a free trip to Europe from using my credit card. Please explain. Patrick Dear Patrick, I truly doubt that I can explain it to Clay County Commission Sets CAFO Public Hearing A Public Hearing before the Clay County Commission regarding the Clay County Ordinances regulating CAFOs (Concentrated Animal Feeding Operations) will be held January 14, at 7 p.m. in the Clay County Courthouse basement. Proposed changes to the ordinances include: • Raising the dairy confinement limit from 3,500 cows to 5,600 cows, a 62.5 percent increase; • Allowing some CAFOs with up to 1,000 cattle or 2,500 hogs without a state Water Pollution Control Permit; • Dropping the County Conditional Use Permit for Feeding Operations up to 300 cattle or 750 hogs; • Eliminating or reducing setbacks from manure storage to public roads, private wells and currently protected “Waters of the State,” including streams, lakes, ponds, marshes, and springs; • Potentially allowing up to 1,000 cattle or 2,500 hogs over currently protected Aquifer Protection Zone B; • Allowing confinement of up to 300 cattle or 750 hogs in the currently protected Natural Resource Conservation District; • Allowing Small CAFOs to more than triple in size without increasing setback requirements in place when the Small CAFO was permitted, thus allowing up to 1,000 cattle or 2,500 hogs to be confined a quarter mile from an existing residence; • Reducing the Small CAFO setback from Wakonda and Irene from 1 mile to a quarter mile; • Dropping manure application setbacks from streams, lakes, ponds, marshes, wells and springs; • Dropping required Nutrient Management Plan (manure disposal) before issuance of a County Permit; and, • Dropping required State Water Pollution Control Permit before issuance of a County Permit. The full text of the proposed revised CAFO Ordinances are available as a PDF document at http://tinyurl.com/ClayCountyCAFO. PRECISION PAINTING Get your ad in the.. TODD’S Serving the Beresford and Vermillion Areas January 12, 2016 www.broadcasteronline.com •Interior •Exterior •Commercial •Residential Quality Workmanship, Reasonable Rates Since 1983 CLINT TUCKER 624-4621 T anager ermillion Athletic Booster Club HALL OF FAME Nominations Deadline to receive Nominations will be January 31, 2016 For nomination forms and information, go to gotanagers.com or contact Mr. Jason Huska at 605-677-7035 Classifieds Today! CALL: 624-4429 or FAX: 624-2696 EMAIL: classifieds@plaintalk.net ONLINE: BroadcasterOnline.com DROP BY: 201 W. Cherry, Vermillion your satisfaction, but here goes. First, the credit card company did not give you a free trip to Europe. They’re not going to lose money on transaction after transaction, year after year. The fallacy is that you feel like you’ve outsmarted a multi-billion dollar company that studies human behavior at incredible levels. You maybe, possibly came out ahead against them during that particular calendar year, but even that’s debatable. Over the course of your life, you’ll spend more when using credit cards as opposed to cash. There’s plenty of research proving this to be fact. If you use a credit card repeatedly with the idea that you’re getting a free trip to Europe because you’re building up your miles, you spend more. An example would be McDonald’s. When they started taking credit cards years ago, they found that the people using them spent 47 percent more. In a good way, you are very unusual. You’re not playing over in the stupid zone like most people who use credit cards. But both I and the credit card companies have found that, on average, your behavior would put you in a class of less than one-half of one percent of their customers. Can 0.5 percent of people handling snakes manage not to get bitten? Sure. But that doesn’t mean I’m going to start recommending snakes! —Dave EveryDollar is a simple, online budgeting tool that helps users set a monthly budget and seamlessly track expenses. For more information, go to www.everydollar.com. Former USD Writer-In-Residence Wrote Earlier Book About Grizzly Attack Featured In 'The Revenant' VERMILLION – Years after he wrote one of the earlier books about the survival story of Hugh Glass, featured in the new movie “The Revenant,” author Frederick Manfred spent 15 years as writer-in-residence at the University of South Dakota, leaving an impact on students and the campus that remains today. “I probably share things I learned about writing from Fred,” Michelle Rogge Gannon, director of USD’s Writing Center and an instructor in the English Department, said of her time in Manfred’s class as an undergraduate student. “He did remarkable research for his books and was generous with sharing his writing process with young writers. And his prose is really good.” Manfred, who died in 1994 at age 82, based his 1954 book “Lord Grizzly” on the 1823-1824 experience of Glass, a frontiersman who was attacked by a grizzly bear and left for dead near Lemmon, South Dakota, but survived. Leonardo DiCaprio plays Glass in “The Revenant,” which is based in part on Michael Punke’s book by the same name that was published years after Manfred’s work, though "Lord Grizzly" shows up on some recommended reading lists. Manfred, a lanky 6-foot-9, grew up in Doon, Iowa, and was living at Luverne, Minnesota, when he was hired as a writerin-residence at USD from 1968-1983. He commuted for his weekly writing class, spoke to larger groups of students and also offered individual help. Gannon said Manfred’s class was a workshop for students interested in creative writing, and he willingly shared in detail the process of researching, writing and rewriting. “He would tell stories about how he wrote his novels, people he met,” she recalled of her time in his class that once was invited to Manfred’s Minnesota home. “He had fixed dinner for us and had a manuscript he was working on and had spread it out on his huge bed. You could see the stages it went through from early draft to later draft to publication.” It was that vibrant personality and deep desire to share what he had learned that Joe Basile, a retired USD English professor, remembers of Manfred. “Extremely student oriented. Very kind about giving advice to people and always willing to talk to people about their interest,” Basile said. In addition to having Manfred on campus, USD also hosted Oscar Howe, known worldwide for his Native American artwork, as an artist-in-residence from 1957-1980. “Those were very distinctive contributions to liberal arts at USD,” Basile said. Further reading: 1986 South Dakota State Historical Society article by Manfred, The Making of Lord Grizzly (pdf) Biography and collection of Manfred’s correspondence and works while at USD at its University Libraries, which also has signed copies of Lord Grizzly and Manfred’s 1972 screenplay for a theatrical version of the book CLAY COUNTY, SD LAND AUCTION 70.16 +/- Acres, Norway Township Thursday, Feb 4, 2016 10:30 AM We will sell the following real estate at public auction at the landsite located from west side Vermillion, SD, approximately 4 miles west on Timber Rd and ½ mile north on 458th Ave or from Meckling, SD 1 ½ miles southeast on SD Hwy 50 and 3 miles south on 458th Ave. If you are looking for a good productive farmland located in southeast of SD, then don’t miss this auction! The land is in a corn/soybean rotation and is available to the new owner for the 2016 crop year. According to the FSA there are 69.7 acres of cropland with a 34 acre corn base with a 144 bushel PLC yield and a 34 acre soybean base with a 48 bushel PLC yield. County soil rating of .827. According to Surety/AgriData the land has a productivity rating of 88 and predominate soils include: Lossing silty clay, 0-2 percent slopes and Onawa silty clay, 0-2 percent slopes. Taxes: $2546.82. If you are looking to expand your current farming operation or purchase land as an investment, be sure to attend this auction! Legal Description: N ½ NW ¼ except the South 10 Rods, 18-92-52, Clay County, SD. TERMS: 15% nonrefundable down payment day of sale with the balance due at closing on or before March 16, 2016. Title insurance and closing costs split 50/50 between buyer and seller. 2015 taxes due in 2016 paid by the seller. 2016 taxes due in 2017 to be paid by the buyer. The acres in this property are based on acres stated in the county tax records with acres to be understood to be “more or less”. The sellers do not warranty or guarantee that the existing fences lie on the true and correct boundary and new fencing, if any, will be the responsibility of the purchaser pursuant to SD statutes. The property is sold in as is condition and as a cash sale with no financing contingency. Sold subject to existing easements, restrictions, reservations, or highway of record, if any. Information is deemed to be correct but it is not guaranteed. All prospective buyers are encouraged to inspect the property and verify all data provided. Statements made the day of sale take precedence over all written advertising. Real Estate licensees are agents for the seller. Sold subject to confirmation of owner. For additional information, maps and pictures visit: www.westraatkins.com Dorothy Golden Estate, Owner Roberta Famestad, Personal Repesentative Ticket Sales will begin in February Joel R Westra, Broker, Beresford, SD 605-310-6941 Pete Atkins, Broker Associate, Tea, SD 605-351-984 Joel A Westra, Broker Associate, Chancellor, SD 605-957-5222 Phil Eggers, Broker Associate, Renner, SD 605-351-5438 Mark Zomer, Vande Vegte Zomer Auctions, Rock Valley, IA 712-470-2526