2 Broadcaster Press June 13, 2017 www.broadcasteronline.com Dave Says What To Do With The Leftover? Dear Dave, years ago. Would be a good idea to cash out the stock and roll it When you use the envelope system, into an IRA? what should you do with any leftover Dylan money? Mandy Dear Dylan, Technically, you wouldn’t be rolling it into an IRA. You would Dear Mandy, My suggestion would be to carry it cash it out and use the money to establish a Roth IRA. And yes, I over to the next month. Lots of folks would do that. don’t use all the money in their cloth- It was very kind of your grandparents to buy you a gift like this, ing envelope during a month. There’s but I think you can do better. You didn’t mention an amount, but nothing wrong with letting a little let’s say you’ve got $10,000 in that company’s stock. Now, would extra build up in one of your catego- you buy the stock if you had $10,000 sitting on the table? Most ries if you don’t spend it all in a given people, myself included, would say no because there’s too much risk. I wouldn’t advise having the majority of your wealth — the month or two. Dave You should be hitting the budget pretty highest percentage of your net worth — tied up in one single comclose each month on categories like food. pany. That’s bad news. Getting out of debt and managing your mon- So yes, I would sell that stock and use the money to fund a Roth ey wisely doesn’t mean going hungry. If you IRA or multiple Roth IRAs. I invest my Roth IRA money in mutual do end up with a little left over in the food envelope, treat yourself funds that have a solid track record of outperforming the S&P 500 for 10 years or longer. to a nice dinner out, or buy something that’s food-oriented. But it’s okay to carry a few categories over from month to month. — Dave Just make sure you don’t get crazy and blow that money on something outside the intended category, or on stuff you really don’t need. * Dave Ramsey is America’s trusted voice on money and busi— Dave ness, and CEO of Ramsey Solutions. He has authored seven best- Ramsey Too Much Risk Dear Dave, I have some company stock my grandparents bought for me selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Dakota Senior Meals Served at The Main Street Center & Town Square, “Meals on Wheels” Please call before 9:00am to schedule or cancel a meal at 624-7868. Menus listed below are June 14 - June 20. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Wednesday – Tater Tot Casserole, Cream of Broccoli Soup, Acini Di Pepe We’re all ears. Your opinion is something we always want to hear. Questions? Call, write us or contact Comments? us via e-mail and let us Story Ideas? know how we are doing. 201 W. Cherry •Vermillion, SD 57069 605-624-4429 • classifieds@plaintalk.net Hartington Tree LLC TREE TRIMMING, REMOVALS & TRANSPLANTING TREES FOR SALE EVERGREEN • SHADE • ORNAMENTAL Yankton 605-260-1490 Hartington 402-254-6710 Serving Southeast SD & Northeast NE for 20 Years Kent & Kyle Hochstein • Licensed Arborists www.hartingtontree.com Thursday – Chef Salad with Turkey, Cheese, Egg & Tomato, Peaches, Oatmeal Blueberry Muffin Friday – Ham Potato Omelet, Winter Blend, Cinnamon Roll, Plums Monday – Baked Pork Chop with Onion and Herbs, Baked Potato, Broccoli Corn Bake, Spinach Salad, Peaches Tuesday – French Dip Sandwich, Corn O’Brien, Pasta Veggie Salad, Fresh Fruit, Vanilla Ice Cream Vermillion Summer Lunch Menu The Summer Food Program at Jolley Elementary will be serving lunch Monday through Friday from May 30th to July 28th from 11:00 am to 1:00 pm. This meal is FREE to anyone 18 or younger. For more information call 677-7000. Menu listed below is for June 14 - June 20. Menus are subject to change without notice. Wednesday – Super Nachos, Steamed Carrots, Cinnamon Breadstick Thursday – Baked Chicken Nuggets, Golden Corn Friday – BBQ Rib Sandwich, Baked Beans Monday – Baked Crispy Chicken Sandwich, Baked Tater Tots Tuesday – Sub Sandwich, Steamed Broccoli, Carnival Cookie Broadcaster Classifieds… ROCK-SOLID RESULTS! 201 W. Cherry, Vermillion, SD • 605-624-4429 Vermillion High School The VHS Class of '77 wants to invite the Classes of '74, '75, '76, '78, '79 and '80 to Join US!! VHS Broadcaster Live Music by the Warning Shots & Classifieds… a Reunion of old friends! ROCK-SOLID Where: Old Lumber Company RESULTS! When: June 17Cherry, Vermillion, SD • 605-624-4429 at 8:00 p.m. 201 W. Hope to see you! Our offices will be closed on Tuesday, July 4th for the Independence Day Holiday. EARLY DEADLINES for the July 4th Issues... Deadline: Noon Deadline: 11:00AM Thursday, June 29th Thursday, June 29th Romsdahl’s Repair & Remodel Carpentry, Decks, Interior & Exterior Painting, Refinishing, Drywall, & Ceramic Tile Vote of Confidence By Daris Howard We attend a little country church in our rural community. I have been involved in many community events and have taken on lots of assignments that have come from the congregation leaders. Mostly I have worked in scouting. On Tuesday of one week, I had been asked by the congregational leaders to take a new assignment with the young men. The announcement would be given in the church meeting on Sunday, and as usual, everyone in the congregation would be given a chance to either support or express their concern about the assignment. But as I was coming into the church that Sunday, one of the congregational leaders stopped me and told me they had changed their mind. They had felt inspired to ask me instead to be the person who would teach the children music. The members of our little country church have certain idiosyncrasies, and one of them is a strong distinction between what men do and what women do. A man teaching the children music would be like assigning him to play on a female sports team. But I had been taught by my father that if a call came from church leaders, a person should accept it and heaven would help him overcome his inadequacies. So, with great apprehension, I accepted. I wondered what the members of the congregation would say. I was particularly nervous about the assignment since my wife was a music major in college, and I didn’t even know if I was on pitch half of the time. The only thing going for me was that I loved children. It would be a full week before it would be announced to the congregation. That just gave me more time to worry about it. I wondered what my children would think when they learned that their dad, who couldn’t sing right half of the time, would be teaching music. I talked to my wife about it, but we didn’t mention anything to our children other than to tell them that I was getting an unusual assignment. When the next week came, and the announcement was made, it went worse than I expected. Instead of the solemnity that usually exists with these announcements, the congregation burst into laughter, starting with my own children. It was to such an extent that the head congregational leader, whom we call “The Bishop,” had to pause the meeting for everyone to calm down. Once the laughter stopped, the meeting was restarted, only to have everyone once more burst into laughter. This time The Bishop spoke to the congregation about how sometimes they, the leaders, felt directed to do unusual things. No one expressed any concern about the assignment, so it was to officially start the next week. I thought it might be good for me watch what the current music teacher did. But the minute I stepped into the children’s meeting room, one of the ladies in charge handed me the song book. I shook my head and handed it back. “I don’t start until next week. I just came to watch.” She shoved the book back to me. “We don’t have anyone for you to watch. So get up and lead.” Nothing I said would change her mind, and she would not accept no for an answer, so I soon found myself trembling in front of forty children. We sang a song that I have known since I was a boy, but in my flustered state, I mixed half of one verse with half of another. I finally stopped the music. “Maybe we should try that again,” I said. One little eight-year-old girl raised her hand. When I called on her, she asked, “Are you going to be our new music teacher?” “Yes,” I replied. The little girl rolled her eyes. “That really stinks,” she said. “You mess things up.” And with that, I thought, “I hope heaven has more confidence in me than I do.” PANCAKES & SAUSAGE DINNER Sunday, June 18th 12:00pm – 1:00pm Bergen Lutheran Church Timber Road at Bergen Avenue Good Will Donation Proceeds for “Church on the Street” A new start up congregation in Sioux Falls Over 95 Years In Business Serving... Vermillion, Yankton, Sioux City and Everywhere In Between 18 Years in Business Free Estimates 605-670-2161 Are you managing your marketing with a business mindset? First Dakota National Bank and Hurley and Associates invite you to one of three marketing seminars. Join us for discussion from a lender’s point of view, the philosophical view point of marketing strategies and case studies that carry into today’s market. When: Thursday, June 15 Attend one of these sessions: • 10:00AM - The Pointe Golf and Event Center, 100 Truman Lane, Elk Point • 2:30PM - Legacy Bar and Grill, 103 Main Street, Newcastle, NE • 6:00PM - Vermillion First Dakota National Bank, 1110 E Cherry Street, Vermillion (Heavy Hors d’oeuvres will be served at this session) Space is limited. Please RSVP to First Dakota in Vermillion, 605-624-5555, or Elk Point, 605-356-0289. Vermillion: 605.624.5618 • Yankton: 605.665.4348 Sioux City: 712.252.2000 Irrigation Sales & Service Irrigation PVC, Wire Installed, Well Drilling Domestic & Irrigation Pump Installation WATERLINE & ELECTRIC TRENCHING Tree & Concrete Removal, Site Clearing, & Ditch Trenching ALL TYPES OF DIRT WORK - FREE ESTIMATES 1110 E Cherry Street, Vermillon 117 W Main Street, Elk Point FirstDakota.com Bobcats • Crane • Dozers • Excavators • Grader Grain Trailer • Scrapers • Side Dumps • Trenchers 126 W 2nd Street S, Brookings HurleyandAssociates.com Vermillion, SD (605)670-9567 Hartington, NE (402)254-2568 Licensed in SD, NE & IA