Broadcaster Press 9 March 8, 2016 www.broadcasteronline.com Dave Says Talk to Mom and Dad BY DAVE RAMSEY Courtesy of EveryDollar.com Dear Dave, My boyfriend is wondering if he should buy life insurance for his mom and dad. They’re both in their seventies, and they’re no longer married to each other. His mom is disabled and remarried, and she doesn’t have any life insurance coverage. The only coverage his dad may have would be through his employer. He’s afraid he would have to pay funeral expenses if one of them died, and he’s not in good enough shape financially to do that right now. What’s your advice? Cherie Dear Cherie, If the only insurance his dad may have is furnished through his employer, then yeah, when he stops working he probably won’t have life insurance anymore. It would be fine if he wanted to buy them each a small policy, but it’s going to be very expensive at their age. He would have to get them to sign off on it, and they’d also have to be healthy enough to have a policy issued. This isn’t a good long-term plan, however. As a long-term plan, I’d tell your boyfriend that he needs to build up his own wealth. If he had $15,000 to $20,000 in savings, that’s more than enough to bury two people. I don’t mean to sound insensitive, but we’re talking about the economics involved in this kind of situation. You can have a nice funeral for as little as $5,000. The other thing I’d do if I were him is I’d have a discussion with mom as to whether or not the stepfather has the funds to handle this sort of thing. When it comes right down to it that would be Dave his responsibility, not the son’s. Then, he should have a similar discussion with his dad. If his dad’s got insurance through work, and the stepdad is ready to pay for his mom’s burial, then I wouldn’t buy insurance on them. They’re covered for the immediate future. So I wouldn’t do it unless they absolutely don’t have this sort of thing covered. Even then I’d prefer you just cover it with cash, because all we’re talking about is just enough to cover burial costs. Nothing needs to be elaborate. I hope this helps, Cherie! RAMSEY — Dave Pausing the Baby Steps to Celebrate? Dear Dave, My wife and I are in Baby Step 2 of your plan, and we’ve got our twentieth wed- ding anniversary coming up in a few months. We had always planned on taking a 10-day luxury trip to celebrate, but now that we’re trying to get out of debt it seems pretty unrealistic. Should we pause the Baby Steps and celebrate like we originally planned, or would it be better to concentrate on paying off debt? Don Dear Don, If it were me, I’d want to pause and celebrate in a smaller way. Then, in a year or two when you’ve reached your goal of being debt-free, you could have a big double celebration — for your anniversary and for gaining control of your finances. Think about it. Why isn’t the twenty-first, twenty-second or twenty-third anniversary just as big as the twentieth? No reason really. It’s just an arbitrary milestone we as human beings decided on and created. But you can “undecide” stuff like that anytime you want. If you two, as a couple, are in agreement on that point, then it suddenly becomes easier to delay pleasure in order to win. And trust me, when you agree on things like that, the celebrations become even sweeter! —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. House Falls Short Of Overriding Veto On Transgender Bathroom Legislation BY BOB MERCER State Capitol Bureau PIERRE – The Legislature’s fight over treatment of transgender students ended Thursday when the state House of Representatives failed to override Gov. Dennis Daugaard’s veto. The legislation, HB 1008, would have restricted use of bathrooms, locker rooms and shower rooms in public schools to students of the same biological sex. Students who didn’t want to use the facilities for their biological sex could have asked for a separate accommodation in another part of the school. The tally was 36 ayes to override the veto and 29 to support the veto. A two-thirds majority of 47 ayes was needed for an override. The House originally approved the legislation 58-10 on Jan. 27. The Senate passed it 20-15 on Feb. 16. But the bill wasn’t delivered to the governor until Feb. 23. Daugaard used the full five business days allowed by the state constitution and vetoed it Tuesday afternoon. When the House considered the veto Thursday afternoon Rep. Fred Deutsch, R-Florence, asked that his legislation be allowed to die “a dignified death.” “If there was any possible way to pass this in the Senate, I’d be all over it,” Deutsch said. He would have needed 24 ayes to override in the Senate. Despite Deutsch’s pledge to work on a stronger version of the bill to bring back for the 2017 legislative session, several House members called for the override and then see what the Senate might do. Several of the bill’s supporters in the House seemed to turn on Deutsch. The credibility of legislators and the House as a body was on the line, said Rep. Thomas Brunner, R-Nisland. “You ride that horse to the end of the race,” Brunner said. Brunner further argued that the governor was on board with the bill at the start. “We didn’t change, he changed,” Brunner said. Then Brunner asked what was the point of switching from an aye to a nay. “I don’t know if I’m going to support it next time if this is how it ends,” Brunner said. Rep. Karen Soli, D-Sioux Falls, called for support of the veto. “We do not need legislation about how transgender children use the bathroom,” she said. Soli said she understood the bill’s supporters had good intentions about protecting children. She recalled what her parents taught her about how she treated her younger brother when they were children. “If he said I hurt him, then I did. And I was the one who had to stop hurting him and apologize,” Soli said. The legislation’s passage set off national criticism of South Dakota and prompted transgender people to spend a day at the Capitol visiting legislators. Rep. Mike Verchio, R-Hill City, agreed with Brunner that the House should override the veto as a matter of integrity and send it to the Senate. “Like the representative said, miracles happen,” Vechio said. Among other representatives speaking in favor of the override was Rep. Steven Haugaard, R-Sioux Falls. He showed Daugaard no favor, saying the governor supported the legislation before vetoing it. “Do what you did the first time. We’re the adults in the room,” Haugaard urged. A lawyer who works in the criminal Save up to USD Researchers Help Inspire New Craft Beer On an archaeology trip to Peru in 2002, Matthew Sayre, Ph.D., assistant professor in the department of anthropology at USD, found large seeds he had never seen before. They turned out to be from the Peruvian pepper tree. Later excavations led to the discovery of an old brewery located at the top of Cerro Baul, where thousands of Peruvian pepper tree seeds were kept to make an ancient civilization’s beer over 1,000 years ago. Now, the The Field Museum in Chicago will be brewing and selling its own version of that ancient beer. The ale was developed based on the remains of brewing evidence from the site of Cerro Baul where the Wari people once lived. That first excavation that Sayre took part in helped lead to the discovery of the special ingredients used in the new limited-edition craft beer. The U.S. has the most beer styles in the world, largely because of its thriving craft industry. Craft beers differ from traditional styles because of the use of various ingredients and different methods of fermentation. This particular Wari beer is unique because of its Peruvian pepper berries and purple corn, making it one of a kind. Aaron Mayer, a student at USD who studies alongside Sayre, is trying to further the paleoethnobotanical research and evidence concerning the ancient history of the Wari people. In the labs on campus, Sayre and Mayer aim to understand what other foods and plants were used by that particular civilization. They have recently looked at another kind of seed that was possibly used in the fermenting process long ago. Sayre published an academic article in 2012 about Wari cuisine. The beer will be available on tap and in bottles at The Field Museum’s Field Bistro as well as in bottles at select retailers. The museum will hold a public release of the Wari Ale on Thursday at its Hop To It event. Habitat For Humanity Now Serving Clay County Habitat for Humanity of Clay and Yankton County is seeking qualified applicants for a home to be located in Vermillion, as well as for our home repair program. Qualified applicants must live or work in Clay or Yankton Counties, must demjustice system, Haugaard said many onstrate a need for housing or repairs, must be willing to students confused about gender atpartner with Habitat for Humanity by providing sweat equity, tempt suicide. must demonstrate the ability to repay a no cost, zero percent “It seems like a virus has broken interest loan and must show a satisfactory payment history out,” Haugaard said about what he said is a higher frequency of transgen- with creditors. To learn more about Habitat’s programs, join us at the der youths in the past 20 years. Some of the legislators’ comments Edith B. Siegrist Vermillion Public Library on March 10 at Broadcaster Classifieds… 6:30 p.m. A short informational meeting will be held and drew a rebuke from Rep. Kristin ROCK-SOLID RESULTS! representatives will be available to assist with the application Conzet, R-Rapid City. “Please don’t process. If you are not 201 W.to attend, Habitat will have repreable Cherry, Vermillion, SD • 605-624-4429 let anyone shame you into a vote,” sentatives available at the Library on March 14 from 5-7 p.m. Conzet said. Habitat for Humanity is a Christian housing ministry that Rep. Jim Stalzer, R-Sioux Falls, said builds homes in partnership with our community and families the legislation was a response to Presiin need of a decent affordable housing. For more information, dent Obama’s administration, which visit www.habitatyanktoncounty.org. Stalzer said had “overreached” on its The Edith B. Siegrist Vermillion Public Library is located at interpretation of Title IX federal law regarding the use of personal facilities 18 Church Street in Vermillion. For more information call the Library at 605-677-7060. in public schools. “It makes a reasonable protection and yet it protects the boys and girls who don’t want the opposite sex in the bathroom, locker room or shower,” Stalzer said. Eighteen House members changed from ayes on the legislation originally to nays on the veto override. 201 W. Cherry, Vermillion, SD • 605-624-4429 They were Deutsch, Dan Dryden of Rapid City, Mary Duvall of Pierre, Jean Hunhoff of Yankton, Alex Jensen of Sioux Falls, G. Mark Mickelson of Sioux Falls, Jeff Partridge of Rapid City, Kent Peterson of Salem, Nancy Rasmussen of Hurley, Fred Romkema of Spearfish, Kyle Schoenfish of Scotland, JacqueMonday, March 21st, 5:45 PM line Sly of Rapid City, Roger Solum of Watertown, Mike Stevens of Yankton, Clay County Extension Office Steve Westra of Sioux Falls, Dean Wink of Howes, Mathew Wollmann of MadiAppeals must be mailed to clerk and post son and Larry Zikmund of Sioux Falls. Democrat Dennis Feickert of Abermarked no later than March 17th, 2016 deen voted for the override Thursday after he was absent for the original Curt Brodsky vote Jan. 27. Five legislators were absent for the override vote. Four of 31179 462nd Avenue them were ayes on the bill originally; Vermillion, SD 57069 the fifth was absent for the original vote. Broadcaster Classifieds… ROCK-SOLID RESULTS! Spirit Mound Township Equalization Meeting 2600 $ HURRY! Great saving Rebates ends soon! on a qualifying Home Comfort System Call Larry or Jamie for complete details with utility & manufacturing rebates Financing Available HEATING & COOLING 920 Broadway, Yankton • 605-665-9461 • 1-800-491-9461 • www.larrysheatingandcooling.com Ribbon Cutting Celebration! South Dakota Department of Labor & Regulation A ribbon cutting and open house was held March 1st, 2016 from 3:00-5:00 p.m. for the SD Department of Labor & Regulation. SD Department of Labor & Regulation provides labor services for businesses as well as employment, re-employment and training services for job seekers. They are your workforce experts. Get more information about Volunteer Income Tax Assistance and the Earned Income Tax Credit at UnitedWayofVermillion.org. SD Department of Labor & Regulation is located at 904 E. Cherry Street, Vermillion. Check out their website at www.sdjobs.org. Their hours are Monday through Friday, 8 a.m.-5 p.m. They can be reached at 605-677-6900, via email DLR.Vermillion@state.sd.us or fax 605-677-6909. Dan Hart, Office Manager