6 Broadcaster Press January 31, 2017 www.broadcasteronline.com Dave Says Run From That Guy Since that historic date in 1862, the SDNG has since seen combat during the Spanish-American War, World War I and II, Operation Just Cause and Operation Desert Storm. The National Guard was also called up during the Mexican Border Conflict, Korean War, Berlin Crisis and peacekeeping missions in Bosnia and Kosovo. Since the Sept. 11, 2001 attacks on the United States, each of South Dakota's 22 National Guard communities has experienced a unit mobilization in support of Operation Noble Eagle, Operation Enduring Freedom or Operations Iraqi Freedom, New Dawn, Inherent Resolve and Spartan Shield. More than 7,800 Soldiers and Airmen have deployed in support of these operations. The National Guard is the only military component that holds a dual-mission consisting of both federal and state roles. The federal mission is to maintain trained and equipped units available for prompt mobilization for war or a national emergency. At the state level, the governor reserves the ability, under the Constitution, to call up members of the National Guard in times of domestic emergencies. Throughout the years, natural disasters have called forth the Guard's spirit of teamwork and sacrifice to battle floods, fires, blizzards and tornado destruction. The Rapid City Flood of 1972, the Spencer Tornado in 1998, Hurricanes Katrina and Rita in 2005, the Missouri River Flood in 2011 and Winter Storm Atlas in 2013 are just a few of the disasters in on 575 radio stations and multiple digital platforms. Follow Dave which the SDNG mobilized its Citizen-Soldiers and Airmen on Twitter at @DaveRamsey and on the web at daveramsey.com. to help their fellow South Dakotans and Americans in times of need. Dear Dave, Dear Dave, My husband was recently laid off, I’m 37 years old, married with two great kids, and I was just and he has $229,000 in a 401(k). He has diagnosed with multiple sclerosis. I’m trying to plan for the fubeen told that he should roll it into a ture, and I was wondering if you have any suggestions for work at hybrid annuity. Is this a good idea? home or self-employment ideas for people with disabilities. Durnae Chris Dear Chris, Dear Durnae, I’m really sorry to hear you’re facing this. You’re a smart, brave Absolutely not! It sounds to me like young woman to be looking ahead and making plans for the comhe’s been talking to an insurance ing years. agent instead of an investment advi- I suggest you read a book by Dan Miller called 48 Days to Creasor. There’s no reason to put a 401(k) tive Income. Dan is a friend of mine, and he also wrote a popular into an annuity. Annuities are there book titled 48 Days to the Work You Love. The issue you’re talkto protect money, as it grows, from ing about is very close to his heart, and I think his books will be taxes. Well, guess what? The 401(k) is a great help to you. Dave already protecting it from taxes. I would roll There’s also a book by Richard Bolles. It’s called Job Hunting it into a traditional IRA in a series of growth for the So-Called Handicapped or People Who Have Disabilities, stock mutual funds. You’ll have half the fees, and it’s full of ideas to help you work around the issues you’ll be the advisor won’t make anywhere near the facing. commission he’d make on an annuity, and you’ll get much better There are lots of people out there — well-known, highly sucresults in the end. cessful folks — who have disabilities and still make good money Yeah, I definitely wouldn’t go the annuity route. I don’t have a and have rewarding lives using the principles found in these single annuity, and I’ve got a lot of investments. One of the rea- books. Another great piece of news is it sounds like you have a sons so many “advisors” push annuities is because they wind up wonderful support system around you. with bigger commissions. Annuities aren’t evil or anything, but God bless you all, Chris. I’m praying for you. they’re definitely not the proper product for you in this situation. — Dave Get away from the guy who gave you this advice, and find a good financial advisor — not an insurance guy — with the heart of a * Dave Ramsey is America’s trusted voice on money and busiteacher. You need to talk to someone who’s interested in helping ness, and CEO of Ramsey Solutions. He has authored seven bestyou two plan for your future, not theirs! selling books, including The Total Money Makeover. The Dave — Dave Ramsey Show is heard by more than 12 million listeners each week RAMSEY Jobs From Home? SOUTH DAKOTA HUMAN SERVICES CENTER Medical Technologist (Part-time) The South Dakota Human Services Center, Yankton, South Dakota, is seeking a part-time Medical Technologist. Must be qualified to perform high complexity testing under the Clinical Laboratory Improvement Act. Competitive salary, excellent benefit package and excellent working hours. For more information call (605) 668-3118 or apply on-line at http://bhr.sd.gov/workforus. Job ID #7778 SUMMER INTERN POSITIONS 1310 Read and Recycle! SOUTH DAKOTA HUMAN SERVICES CENTER Pharmacy Occupational Therapy Nurse (8 positions) Counseling/Social Work/Psychology (3 positions) Application Deadline 2/10/17 For more info or to apply, please go to http://bhr.sd.gov/workforus Call 605-668-3118 Sunset Manor Avera is now accepting applications for the following positions to join our excellent team of caring professionals: Clinical Care Coordinator is accepting applications for: Full-time Equipment Operator at the Landfill $16.02 per hour, plus benefits. This position is open until filled. First review of applications February 13, 2017. Applications and a complete job description are available at: City Hall, 25 Center Street, Vermillion, SD 57069, the SD Department of Labor, 904 E. Cherry, Vermillion, SD 57069, and on the web at www.vermillion.us/careers EOE. RN/LPN to supervise our Traumatic Brain Injury and Challenging Behavior units. Full-time position LPN or RN Charge Nurse Full-time night shift position available Certified Nursing Assistant Full-time positions available To apply go to Avera.org or contact the Personnel Office at Sunset Manor, Irene, SD at (605)263-3318 OPEN POSITIONS: • Campus Planner/Architect • Building Engineer II Projects and Architectural Finishes • Physical Plant I – HVAC Controls • Plumber $22 w/License • Grounds Keeper • Facility Worker – Custodial 2 Shifts: 11:30am – 8pm and 7:30pm – 4am For detailed descriptions and to apply, go to http://yourfuture.sdbor.edu History of the South Dakota National Guard Construction 1360 WELDERS & GENERAL LABOR NEEDED Rotary Kiln Repair Company located in Vermillion SD is looking for welders and general labor. We offer competitive wages, motels, per diem, and time and a half after 40 hours per week. Travel is required. Starting wages are between 16.00 & 20.00 per hour depending on experience. Must have high school diploma or GED. Pre employment drug test and back ground check required. Please email resume and letter of interest to Megan at admin@oconnorkiln.com or fax information to 605-6243201. Feel free to contact Megan with any questions at 605-624-3200. Income Opportunity CLASS-A CDL Regional Driver. Good home time. Great pay and benefits. Matching 401k. Bonuses and newest equipment. No touch freight. Experience needed. Call Scott 507-460-9011. Apply on-line WWW.MCFGTL.COM (MCN) Buy Local! Shop the Classifieds! IMMEDIATE OPENINGS! Opener: Day 11am-6pm. Weekdays and Weekends. Night-time Supervisor: 5pm to close. Weekdays and Weekends. Weekends a MUST for both positions. Apply at 1700 Broadway. No phone calls. www.broadcasteronline.com Manager Trainee Great benefits and earning potential. Career opportunities available upon completion of training program. Bachelor’s degree in a business field preferred, but not required. Must be open to relocation. Add’l $2.50 per hour for weekend hours. Apply in person at: Menards 3210 Broadway Ave Yankton SD, 57078 Chemical Dependency Counselor The Mike Durfee State Prison in Springfield, SD, is seeking a Chemical Dependency Counselor. Successful candidate must have the ability to become certified as CD Counselor. A bachelor’s degree in alcohol and drug abuse studies, counseling, psychology or related field preferred. Competitive salary/excellent benefit package. For more information and to apply, please go to http://bhr.sd.gov/workforus. Job ID #7531 LOOKING FOR YARD PERSON INCENTIVES & BENEFITS • Medical Insurance • Dental Insurance • Life Insurance • Vision • 401K • Paid Vacation • Paid Holiday • Annual Bonus an equal opportunity employer www.AmericanFoodsGroup.com Starting Pay: $1300 - $1450 with incentives General Requirements: Yard person to work in the cattle yard. Overtime required based on production needs. Duties include loading/unloading cattle, cleaning pens, and some tractor work. Prior experience working with cattle is required. Cimpl Meats Human Resources Join The Team That Has Fun Keeping Vermillion Moving! 1000 Cattle Drive Yankton, SD 57078 665-1665 Vermillion Public Transit is seeking a part-time transit operator to provide transit services to the Vermillion community. Applicants should be customer service driven, have a clean driving record, and the ability to provide safe and reliable service. A South Dakota Class C Commercial Driver’s License with a Passenger Endorsement is required of the position. We will assist qualified applicants to acquire the licensure. Applicants are also required to pass our preemployment screening process. For more information call (605) 624-7433 or apply in person at 604 ½ High St., Vermillion, SD EEO/AA Vermillion Public Transit is an Equal Opportunity Employer and fully subscribes to the principles of Equal Employment Opportunity.