2 Broadcaster Press July 26, 2016 www.broadcasteronline.com Parking Plots Dave Says Stay the Course Dear Dave, Our daughter is a special needs child, who doctors say will live about half as long as the average adult. There’s also a good chance she will be under our care her entire life. We just finished Baby Step 3 of your plan, so we have all of our debt paid off except for the house, and we have an emergency fund of three to six months of expenses saved. We have health insurance, too. However, we were wondering how the situation with our little girl affects retirement planning and college funding? Jonathan Dear Jonathan, I know this may sound strange, but the situation with your daughter really doesn’t affect things all that much. The only real difference is that it sounds like you’ll be responsible for your sweet daughter for the foreseeable future — not just until she’s 18 or 21. If you don’t already have it, you and your wife should both buy 10 to 12 times your annual incomes in term life insurance. Make sure the money from the policies is set up to go into a special needs trust that would be managed for her care. That way, your baby will be taken care of in the event something unexpected happens to you. Otherwise, just keep following my plan. Baby Step 4 means you start putting 15 percent of your income into pre-tax retirement plans, like Roth IRAs and mutual funds. Baby Step 5 is college funding, if that’s a consideration for her, followed by paying off your home early. Then, of course, the last Baby Step is building wealth and giving. Financially speaking, you’re looking at filling a need in the event Dave of your deaths. This should be covered by life insurance or investments. If you reach a point where your investments are substantial, and money from those things can adequately cover her needs and the needs of your family, then you can always drop the insurance policies. God bless you all, Jonathan. —Dave RAMSEY Time to raise prices? Dear Dave, My husband has his own one-man painting business, and I help him with the books. We were wondering how you know when it’s time to implement a price increase. Also, what should the increase be? Lauren Dear Lauren, I grew up in the real estate business, so I’ll use the apartment-complex model as By Daris Howard my example. If your building is completely full, then it’s time to raise prices a little bit until you have a vacancy. In this type of scenario, you want a healthy level of vacancy, meaning you’re always going to be losing some customers as you go up in prices. In your husband’s case, if he’s booked through the end of the month, he’s way underpriced. Just keep on turning in your bids, and don’t make a big deal about things. It isn’t like a tenant, in your case, where you’re going back time and time again except in rare cases. You might start with a 10 percent increase, and see what happens for a while. If that goes well, wait a bit and raise them another 10 percent. There are only so many hours in a day this guy can work, so the only other option is to take on staff. But before I start staffing, I’m going to raise prices and cut the number of customers that way. In most cases with the construction business, if you show up when you say you will, complete the job when you say you will, and you do high quality work, there’s almost no ceiling on what you can make! —Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-selling books. The Dave Ramsey Show is heard by more than 11 million listeners each week on more than 550 radio stations and digital outlets. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. CDC Awards South Dakota $382,000 To Help Battle Zika The Centers for Disease Control and Prevention (CDC) will award $382,000 to South Dakota to fight the Zika virus. The award is South Dakota’s share of about $60 million CDC is awarding to states, cities, and territories to support efforts to protect Americans from Zika virus disease and adverse health outcomes that can result from Zika infection, including the serious birth defect microcephaly. The funding is in addition to $25 million awarded on July 1 as part of CDC’s preparedness and response funding to states, cities, and territories in areas at risk for outbreaks of Zika. On August 1, CDC also will award another $10 million to quickly identify cases of microcephaly and other adverse birth outcomes linked to Zika and to refer affected infants and families to services. The Obama Administration has requested $1.9 billion that public health experts identified as necessary to combat Zika and protect the homeland, but the budget has not been approved by Congress. “Our local, state and territorial health departments are on the front lines in the fight against Zika, and though the necessary funding that is needed isn’t yet available, we cannot wait to provide this essential support,” said CDC Director Tom Frieden, M.D., M.P.H. "These CDC funds will strengthen state and territorial capacity to respond to Zika virus, an increasingly concerning public health threat.” The new funding will support activities to protect the health of the American public, especially pregnant women, through epidemiologic surveillance and investigation, strengthening laboratory capacity, and improving mosquito control and monitoring. It will also support participation in the U.S. Zika Pregnancy Registry to monitor pregnant women with Zika and their infants, as well as Zika-related activities in U.S.-Mexico border states. However, additional support will be needed to help expand mosquito control capabilities and develop a Zika vaccine and diagnostics, among other priorities. Zika virus spreads to people primarily through the bite of an infected Aedes species mosquito (Aedes aegypti and Aedes albopictus), although Aedes aegypti are more likely to spread Zika. Zika infection can also be spread by men and women to their sex partners. There is currently no vaccine or treatment for Zika. The most common symptoms of Zika are fever, rash, joint pain, and conjunctivitis (red eyes). The illness is usually mild with symptoms lasting for several days to a week after being bitten by an infected mosquito. However, Zika infection during pregnancy may cause microcephaly and other severe brain defects in the developing fetus. Zika also has been linked to Guillain-Barré syndrome, an uncommon sickness of the nervous system in which a person’s immune system damages nerve cells, causing muscle weakness and sometimes paralysis or death. The new Zika funding, about $60 million, is being distributed through CDC’s Epidemiology and Laboratory Capacity for Infectious Diseases Cooperative Agreement (ELC), which supports an array of federal projects to strengthen the ability of domestic public health departments to respond to emerging and reemerging infectious disease threats. ELC funding is distributed annually. This year, which includes increased funding for Zika and fighting antibiotic resistance, ELC awarded $240 million to help states detect, prevent, and respond to the growing threats posed by infectious diseases, including foodborne and vaccinepreventable diseases. Last year’s ELC award was nearly $110 million. In addition to the Zika funding, South Dakota will receive an additional $1.4 million through FY16 ELC funding for: • Activities related to CDC’s Antibiotic Resistance Solu- PRECISION PAINTING •Interior •Exterior •Commercial •Residential Quality Workmanship, Reasonable Rates Since 1983 CLINT TUCKER 624-4621 Mr. B. was a drivers’ education teacher and sometimes his attitude about certain things with regard to driving annoyed him enough that it would slip into his discussions in the classroom. Recently, there had been something that had really annoyed him. “Do you want to know what makes me mad enough that I about slip into road rage?” he asked his drivers’ education class. “What?” Tim asked. “When someone parks across the middle line between two parking stalls,” Mr. B. answered. Tim’s twin brother asked, “What do you mean?” “Let me show you the one that annoys me the most,” Mr. B. replied. He put a picture up on the screen. It showed a big, beautiful car parallel parked across the center line between two parking spots along a curb. “This lady,” Mr. B. said, “parks her car in this area every day, and she always parks right across the middle of two of them.” “Why does she do that?” Tim asked. “Most people do it to give room on both sides or ends of their car to keep their car from being scratched. But it’s selfish and takes a parking spot away from someone else. This lady parks there almost every morning, and her car is there all day.” “Isn’t that illegal?” Jim asked. Mr. B. shook his head. “Not in this town. But it ought to be. Quite often I’ve needed to park in that area and there was nothing available, but there her car sat across two spots. I’d give a hundred dollars to anyone who could figure a way to teach her not to do that.” Mr. B. saw Jim and Tim glance at each other so he added, “A legal way.” Every day during drivers’ education, Mr. B. fretted about his disgust for different things, but he always came back to the lady that parked across two parking spots. When the students started practicing driving, Mr. B. often had them drive past the car that disgusted him. After they finished drivers’ education, Jim and Tim practiced their hours of driving with their parents, looking forward to the time that they would trade their learner’s permits for real drivers’ licenses. The minute they had their licenses, they went to Mr. B. “Is that hundred-dollar offer to teach the lady not to park across the two parking spots still available?” Tim asked. “What do you have in mind?” Mr. B. asked. After Jim and Tim explained their plan, Mr. B. laughed and said if they were able to do it, he’d pay. The two boys went to their dad. It took a little longer to convince him, but he finally agreed to their plan. Early the next morning the two boys drove away in the two smallest compact cars their father had on his lot. They waited until the lady had parked her car across two spots as usual. Then, after she left, one at a time, with the other directing, each of the brothers pulled his car up so its bumper was inches from the lady’s car. The little compact cars barely stayed within the lines of the parking spots, making it so there were three cars in the two spots. The two boys locked the cars and walked back to their dad’s car lot. After three days, the police called, and Jim and Tim’s dad passed the phone to them. The officer had a chuckle in his voice as he spoke. “Would you mind removing your cars? Though it’s legal for you to leave them there, the lady whose car you have hemmed in would like her car back, and has promised she won’t park that way again.” So Jim and Tim moved their cars and became one-hundred dollars richer. tions Initiative, aimed at the growing threat of antimicrobial resistant bacteria, as well as activities to reduce healthcare-associated infections. • Foodborne disease prevention and tracking. This includes increased support for the PulseNet and OutbreakNet systems and for the Integrated Food Safety Centers of Excellence including the new Northeast Regional Center, plus continued support for the National Antimicrobial Resistance Monitoring System (NARMS). • Establishing and maintaining local, state, and territorial health coordinators to track vaccine-preventable diseases like measles and whooping cough. • Rapid detection of and response to the antibioticresistant gonorrhea threat in nine states. • Building capacity for Advanced Molecular Detection, an emerging field that PIERRE, S.D. – Gov. Dennis Daugaard announced today that combines next-generation genomic sequencing with he will appoint Scott G. Stern as Commissioner of the Govbioinformatics to more ernor’s Office of Economic Development. Stern will begin on quickly identify and respond Sept. 1, 2016. “Scott Stern will be a great leader of our state’s economic to disease outbreaks. development efforts,” said Gov. Daugaard. “From his work For more information on building a small town family business, to his time working with CDC’s ELC Cooperative major corporate clients, Scott understands why South Dakota Agreement and the break- is a great place to do business.” Stern is a Freeman native and a graduate of the University down of FY16 funding, please visit the ELC webpage at: of South Dakota. For 29 years, Stern worked with Stern Oil http://www.cdc.gov/ncezid/ Company of Freeman, including 14 years as vice president and dpei/epidemiology-laborato- general manager. For the past four years, Stern has worked a district sales manager for Petro-Canada America, a division of ry-capacity.html. Suncor Energy. “I look forward to supporting and assisting South Dakota businesses grow and achieve their objectives. I’m also excited Consider it... to share the South Dakota advantage with outside businesses that want to make this great state their home,” said Stern. During his years in Freeman, Stern served two stints on the Sold! city council and took leadership roles in the Freeman Chamber of Commerce and the Freeman Economic Development Corporation. He also served as a Dakota Rising small business Classifieds mentor. Stern and his wife, Staci, Holy Trinity Greek Orthodox Church have three grown children. He will replace Pat Costello, who 6th & Jennings • Sioux City, IA stepped aside as GOED Commissioner at the end of June. Governor Names Scott Stern As GOED Commissioner ' 3 HDGOLQHV 1st Annual "Fun 4 a Cause" Saturday, July 30th • 11-3 SE corner of Prentis Park, Vermillion FREE hot dogs, chips, cookies and water Inflatables • Popcorn Stand Cotton Candy Booth • Balloon Sculpting Sno-cones • Face Painting 16th Annual Classified Ads: Friday at Noon 3 Days Drive Thru Available JULY 29, 30, 31 Display Ads: Friday at 11AM FRI. 5PM-10PM • SAT. 11AM-10PM • SUN. 11AM-6PM Free Admission Authentic Greek Food, Music, Bake Sale, Church Tours The perfect smile on your perfect day Make your teeth as radient as you are! This is a free event for the community to create awareness of the Vermillion Ministerial Association and its Emergency Fund 100% of what is donated at the event will go to the Emergency Fund which helps those who have encountered a catastrophic event in their lives. Dr. Richard Knutson, D.D.S. • Dr. Matthew Knutson, D.D.S. 605.624.6291 1714 E. Cherry St., Vermillion www.KnutsonFamilyDentistry.com