8 Broadcaster Press March 29, 2016 www.broadcasteronline.com National Exhibition of Teen Art on Display at USD Dave Says BY DAVE RAMSEY Planning for College Courtesy of EveryDollar.com Dear Dave, We have two daughters, and we’ve started thinking about financial planning for college. What are the differences between an Education Savings Account and a 529 plan? John Dear John, I’m glad you’re thinking ahead and planning for the future. Here’s a quick overview of the two. The Education Savings Account (ESA) is limited to $2,000 per year, per child. It has complete flexibility, meaning you can invest it in whatever you like and you can move it—roll it over—to another one if you don’t like that mutual fund, as an example. I use that example because I recommend using good growth stock mutual funds and that you do this for the first $2,000 invested per year. There are several types of 529 plans, and there’s only one that I would recommend. It’s the kind that has complete flexibility, where you control the investments. Some states have 529 plans that are prepaid tuition, and I never recommend those. You don’t want the state managing anything for you, because you won’t get anywhere near the returns you’d get if you managed it yourself. Other types of 529s lock you into a certain kind of investment the whole time, or they move the investment based on the age of your kid. I don’t want anybody doing that crap. I want Dave you controlling your money. Most of the 529s vary somewhat from state to state, but the majority have flexibility that allows you to control the investment while contributing up to $10,000 a year. Both those and the ESAs grow completely tax-free on the growth as long as they’re used for higher education. They can also be transferred to a sibling if the kid doesn’t go to school, so a little brother or sister can use the money. If they get scholarships, make sure you keep up with the value of these. You’ll be allowed to withdraw that amount and refund yourself for the scholarship amount without penalty or taxes on the amount withdrawn. In short, both the ESA and 529 are fine ways to save for college. Just make sure if you’re doing a 529 that you choose the kind you control from RAMSEY Help Wanted Bulk Truck Delivery Driver CDL Required Apply in person to Todd at Stewart Oil Stewart Oil 426 Cherry St Vermillion, SD top to bottom! —Dave What Causes Overspending? Dear Dave, In your opinion, what causes overspending? Kristin Dear Kristin, Overspending is, 100 percent of the time, a choice. It’s a decision. Most of the time it’s linked to immaturity, although there can be other issues at play. People who habitually overspend are saying that they’re unwilling to act like a mature adult, and delay pleasure in order to win with money. This kind of thing is made even worse, because we live in a culture fueled by extreme debt marketing. And when things like credit card offers are constantly in the face of immature people, those two things can combine to make a real mess. Good question, Kristin! —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. Property Management/ Property Management/ General Maintenance General Ground Maintenance 30 Hours per week week. 30 Hours per + benefits. Some experience required Some experience required. Art.Write.Now.Tour 2015–16, a traveling exhibition showcasing more than 130 original pieces of art and writing by teens from around the U.S., including a Brandon, South Dakota, native, is on display at the University of South Dakota John A. Gallery. The artists won the 2015 Scholastic Art & Writing Awards. Their work is also currently displayed at the Crazy Horse Memorial. Both exhibitions are free, open to the public and run through April 1. The Scholastic Art & Writing Awards is the country's longest-running and most prestigious scholarship and recognition program for creative students in grades 7–12. In the 2015 program year, more than 300,000 works of art and writing were submitted for adjudication at the regional level in the awards’ 29 categories, which include poetry, painting, architecture, short story, fashion design and more. These emerging artists’ and writers’ works were first adjudicated regionally, then again on the national level by leading creative professionals. Notable past Scholastic winners include Stephen King, Robert Redford, Andy Warhol and Truman Capot. Alums who now work at USD include photo professor John Banasiak and Michelle St. Vrain, interim director of University Art Galleries. Jacob Boomsma graduated in 2015 from Brandon Valley High School in South Dakota and has one of the 130 pieces on display at USD, a digital photograph titled, “A Fast Food Nightmare.” “I felt very accomplished and proud of myself and optimistic for my future with photography,” said Boomsma, who’s studying graphic design and photography at the University of Minnesota Duluth. The Art.Write.Now.Tour 2015–16 and the Scholastic Awards are presented by the nonprofit Alliance for Young Artists & Writers and the tour is funded by the support of Scholastic Inc., The National Endowment for the Arts and Blick Art Materials & Utrecht Art Supplies. BroadcasterOnline.com “Get Connected!” Drop in resume to: Apply off person at Westgate Mobile Home Village Westgate Mobile Village 1312 Westgate Drive 1312 Westgate Drive Vermillion, SD Vermillion, SD of Centerville SOUTH DAKOTA HUMAN SERVICES CENTER MENTAL HEALTH AIDE/C.N.A. $10.86 - $11.38/hour DOQ + $1/hour pm shift + $1.50/hour night shift + $1/hour geriatric pay is interested in hiring a Part-Time Director Mechanical Drafter TruXedo, Inc, a leader in the automotive accessories industry, is seeking qualified applicants for a Mechanical Drafter position. Requirements: • Associate’s degree in design drafting/engineering technology required • 1-2 years experience in design drafting • Proficient in CAD software, including Solid Works, AutoCAD, Inventor, and CNC interface • Basic logic based programming beneficial • Experienced with MS Office applications • Good written and verbal communication skills • Detail and results oriented Duties to include working with the board to plan, organize, coordinate: events, exhibits, classes, prepare Grant applications and maintain the office. Applications including cover letter, resume and three references should be submitted to: VAAC, P.O. Box 484, Vermillion, SD 57069 by April 1, 2016. Further information from: Jim Wilson, whitewilson@msn.com Truck Drivers TruXedo offers an excellent compensation package including: competitive wages, health, dental, vision, 401(k), paid holidays and PTO Local company has openings for 2 seasonal truck drivers. Apply in person. Class A or B with Hazmat Endorsement. Clean MVR with one year experience. Submit letter of interest and resume to TruXedo, Inc, attn: Human Resources, 2209 Kellen Gross Dr, Yankton, SD 57078. Email: jobs@truxedo.com. Ph: 605.664.8211. Fax: 605.664.8391 Must Pass Drug Screen & DOT Physical Home Every Night & Weekends. Can start immediately. EOE Wages D.O.E. WE’RE HIRING! Our Business is growing and we want you to be a part of the future! Apply in Person at Rosen’s Inc. 1809 N. Walnut Ave., Brandon, SD Or Call 605-582-5003 Sapa Extrusions Inc., Yankton, SD (World’s Leading Aluminum Extruder) has several production positions available for qualified individuals who want to work a 4 days on 4 days off (12) hours a day shift schedule with overtime, and are able to lift up to 50# on a regular basis. These positions are full time and include both night and day shift openings. Sapa offers: Competitive compensation package paid weekly. $1.00 shift differential for nights. Excellent benefits package at an affordable cost for both single individuals and families. Quarterly Profit Sharing. Company paid life insurance, short and long term disability. 10 paid holidays 401K plan with Company participation Company sponsored retirement plan (fully vested after three years of service) $500 Sign-On Bonus If you are a hard working, dedicated person who wants to work only sixteen days a month then come join us! Interested candidates please apply in person and/or by mail: Attn: Jane Larson, HR Mgr. 2500 Alumax Rd, Yankton, SD 57078 or email: Jane.Larson@sapagroup.com. Sapa Extrusions North America is an Equal Opportunity Employer where all phases of employment are based strictly upon the qualifications of the individual as related to the work requirements of the position. This policy is applied without regard to race, sex, sexual orientation, gender identity, religion, national origin, ancestry, age, disability, veteran status, marital status or any other category protected by law. 2500 Alumax Road, Yankton Looking for an opportunity to help others? Come, make a difference and join our community of professional health care providers. The SD Human Services Center, a 304-bed inpatient psychiatric and chemical dependency treatment facility, is seeking full and part-time Mental Health Aides/C.N.A.’s. This position performs personal care services to patients receiving treatment at the facility and includes a comprehensive employee orientation, including completion of the certified nurse aide (C.N.A.) training and testing. HSC offers an excellent benefits package (for full and part-time positions) that includes 3 weeks paid vacation, 10 paid holidays per year, employer-paid health insurance for employee, fully-matched retirement plan and more! To apply go to http://bhr.sd.gov/ workforus. Job ID #6224 or #6225. For more information contact the HR office at 605-668-3118. Home of Great Ideas since 1934 201 W Cherry St. • Vermillion, SD • Phone: 624-4429 Fax: 624-2696 • BroadcasterOnline.com Associate Director of Communications The University of South Dakota Foundation has embarked on the largest capital campaign in the University’s history. Onward: The Campaign for South Dakota is a $250 million fundraising effort that will advance the University’s priorities for students, faculty, programs and facilities. This position is responsible for developing, implementing and evaluating the effectiveness of high-quality, high-impact print and digital communications that enhance the bond between the University and its audiences. This is an exempt position. Primary responsibilities include: • Writing and editing print and digital communication pieces • Managing multi-media content is seeking: Full-time/Part-time Drivers CDL preferred, but will help obtain Apply in Person at 30195 SD-19, Centerville Or call Greg 605-563-2533 Sunset Manor Avera is now accepting applications for the following positions to join our excellent team of caring professionals: RN/LPN Charge Nurse Full-time position to work the night shift Certified Nursing Assistant Full-time position Activity Assistant Part-time position available Laundry/ Housekeeping Full-time position available Dietary Assistant Part-time position available to work every other weekend For application materials contact the Personnel Office at Sunset Manor Irene, S.D. at (605) 263-3318 or apply online at www.avera.org Minimum qualifications: • Bachelor’s degree in journalism, English, communications or related field • Three to five years combined professional experience in communications or marketing-related fields For a detailed job description please visit www.onwardsd.org and click on About the Foundation. Application process: Send applications which should include resume, cover letter, salary expectations and three references by email or US mail to: Kathleen Chandler, Director of Administration and Constituent Services, PO Box 5555, Vermillion, SD 57069, Kathleen.Chandler@usdfoundation.org, 605-677-6710. Application deadline is April 11 2016. Buy Local! Shop the Classifieds!