2 Broadcaster Press June 20, 2017 www.broadcasteronline.com Home of Great Results since 1934 201 W Cherry St. • Vermillion, SD • Phone: 624-4429 Fax: 624-2696 • BroadcasterOnline.com Dave Says To File, Or Not To File? Pass On This Deal Dear Dave, How do you know when you should Dear Dave, file an insurance claim on a homeown- My in-laws have inherited some money, and they want to invest er’s issue, versus just dealing with it in real estate. They have offered to help my husband and I buy a and paying cash? home, but they want ownership of some kind as part of the deal. Ben Is this a good idea? Cynthia Dear Ben, Dear Cynthia, Basically, it’s when you begin to feel I’d pass on this offer. It’s not a good deal. the pain financially. Let’s say you have I’m glad they got some money. I mean, that’s great for them. If a $1,000 deductible on your home- they want to do some real estate investing, that’s awesome, too. owner’s policy. If you have an $1,100 If they want to give their kids a gift out of the inheritance money, issue, just pay the $100 out of pocket that would be a very nice, generous thing to do. But no, we’re not and don’t mess with it. But let’s say going for a deal where they have ownership in your home. Things you have the same deductible and a like that end up messy, and it won’t get you where you really want Dave $2,000 problem. Depending on things like to be. Even if it does, you won’t like the trip! your overall financial situation, the value If you take a deep look into this, you’ll begin to understand there of the house, and the cost of the insurance are some things involved that will change the nature of your relapolicy, that might just get you to file a claim. tionship with your in-laws. Every time you see them and they see Somehow, lots of people get the idea they can make money on you, they’ll see dollar signs. Dinners together will start to taste insurance process. You don’t. Insurance companies make money, different, and they’ll feel different, too. and consumers pay insurance companies. You don’t make money Protect your relationships and your family, Cynthia. Please don’t on insurance in the long-term. You may have a situation, once in do it. a blue moon, where you come out ahead on a transaction versus — Dave what you paid in. But over the scope of your life, you don’t make money on insurance companies. The point is this: If you turn in the claim, you’re going to experience a rate increase or cancellation somewhere — at some point * Dave Ramsey is America’s trusted voice on money and busi— that offsets it. I only turn in substantial claims, meaning claims ness, and CEO of Ramsey Solutions. He has authored seven bestselling books, including The Total Money Makeover. The Dave that are far above the deductible. Ramsey Show is heard by more than 12 million listeners each — Dave Ramsey 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 21 - June 27. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Thursday – Mac and Cheese with Chicken, Spinach Salad with Mandarin Oranges, Green Beans, Peaches Friday – Hamburger, Potato Salad, Sliced Tomatoes, Cooked Apples Monday – Roast Pork, Scalloped Potatoes, California Blend Veggies, Cooked Apples, Cake and Ice Cream Tuesday – Salisbury Steak, Mashed Potatoes and Gravy, Parslied Carrots, Fresh Fruit Wednesday – Liver and Onions, Baked Potato, Green Bean Amandine, Crunchy Cranberry Salad Gov. Daugaard Attending White House Workforce Meeting PIERRE, S.D. – Gov. Dennis Daugaard today is joining seven other governors at the White House to discuss workforce. The meetings will include discussions with President Donald Trump, cabinet secretaries and White House senior staff officials. “I thank President Trump for engaging the states on workforce, and I appreciate that his administration has consistently involved state leaders in discussions on issues of national importance,” Gov. Daugaard said. “Every state is dealing with a shortage of qualified workers, and this is an area where we can learn from one another.” The meeting is being held as a part of the President’s workforce development week, an effort led by Assistant to the President Ivanka Trump. Discussions are expected to center on best practices, apprenticeship opportunities, education, intragovernmental efforts and public-private partnerships. During the meeting, Gov. Daugaard plans to highlight current workforce efforts being undertaken in South Dakota, including the Build Dakota scholarship, South Dakota Works job search website and the state’s dual credit program. The Governor hopes to bring home best practices from the gathering and to encourage federal support for state workforce development efforts. PRECISION PAINTING Stories you missed this week because you’re not a Plain Talk subscriber Coverage of the sixth annual South Dakota Shakespeare Festival, held last weekend in Vermillion. “The Comedy of Errors” was staged in Prentis Park. Plans to bring a little magic to an event scheduled June 17 to raise funds for the Heartland Humane Society. A report on the status of the new roof project for the Washington Street Arts Center in Vermillion. And if you want to see: Photos from the play “The Bard of Ballyfiddle,” presented by children who took part in the week-long Dakota Players Children’s Theatre Workshop in Vermillion. Coverage of the Vermillion City Council’s continued discussion on whether to allow stealth cell towers to be constructed within 300 feet of residential property in the city. A feature about a special gift left at the Austin-Whittemore House by sisters who are very familiar with the historical dwelling. Pick up this Friday’s Plain Talk! Local news since 1884! Here for you yesterday, today and tomorrow. 201 W. Cherry, Vermillion, SD 57069 605-624-2695 •Interior •Exterior •Commercial •Residential 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 21 - June 27. Menus are subject to change without notice. Wednesday – Hot Dog, BBQ Beans Thursday – Cavatini, Green Beans Friday – Pizza, Golden Corn Monday –Baked Chicken Nuggets, Baked Tater Tots Tuesday – Soft Shell Tacos, Refried Beans, Sugar Cookie Smiles By Daris Howard We had decided to travel to the eastern United States so my family could meet some of the wonderful people I knew when I lived there. From our home in the West, it was a long drive. But there were a lot of new experiences for our children. As we were driving across Nebraska, my children stared at mile after mile of corn. My six-year-old daughter loves fresh corn out of the garden. It looked like a dream to her. “Daddy,” she said, “can we come here when the corn is ready to eat?” One night we set up our camp trailer, and I cooked Dutch oven potatoes, hamburgers, and scones. As the sun faded down behind the horizon, the fireflies came out. My children had never seen fireflies before. I had grown up in the west and had thought they were a myth until I lived in the east. As the fireflies started blinking, our four-year-old daughter, Elli, was amazed. “Daddy,” she said, “there’s lots of little blinking stars on our tent. I think they fell out of the sky. Should we put them back?” I captured one and put it in a jar so my children could see it. It sat quietly, not blinking. “Can we take it home with us so it can be our star?” Elli asked. I shook my head. “I’m afraid it wouldn’t be happy there. Its family is here.” She agreed that it should stay with its family, so after everyone had seen it, I let Elli open the jar, and we watched it fly away. We sat outside late that night watching them blink. One day at our campsite we heard something they had never heard before. My wife had spent years in Missouri, and she knew the sound well. The noise started out quietly, but as the days wore on, it became an orchestra of sound like all of nature was coming to life. “They’re cicadas,” my wife said. This time it was my six-year-old daughter, Heather, who was most intrigued. “What are they doing?” Heather asked. “They’re singing,” I replied. “It’s a loud song,” she said. I captured one so everyone could see what they looked like. It sat quietly in the jar. “How come it’s not singing?” Heather asked. “It’s sad,” I told her. “It wants to be with its family.” We made sure that everyone had a chance to see it, and then Heather let it go. In the West, where we are from, it hardly ever rains in the summer. We probably get rain no more than once per month. But while we were camping in the East, it rained almost every day. When we were visiting a friend, the man said, “I’m sorry it’s so dry here for your visit. I doubt it has rained more than three times per week.” My older children laughed, thinking he was kidding, but I told them he wasn’t. “You will notice,” I said, “that no one has sprinklers.” They sat there and stared for a minute, then looked all around at the yards near us. They saw that I was right. They had never realized that there were places that didn’t need sprinklers. As our vacation was ending, our youngest two daughters could hardly wait to tell their grandmother about all they had seen. When we finally had a chance to visit her, they were excited. It was interesting to hear them explain it in their childhood ways. “Guess what we saw,” Heather told her. “We saw cricketas that were much louder than our crickets here, though.” “And we saw more corn than even Heather could eat,” Elli added. “And we saw places where no one even has a sprinkler,” Heather said. “But best of all,” Elli said, “we saw firestars. And they give light when they smile. But they only smile when they are with their families because families make them happy, just like us.” I couldn’t have said it better myself. World Elder Abuse Awareness Day PIERRE, S.D. – In recognition of World Elder Abuse Awareness Day today, Attorney General Quality Workmanship, Marty Jackley would like to highlight the AttorReasonable Rates ney General’s Elder Abuse & Financial ExploitaCLINT TUCKER tion Subdivision and the work they have done 624-4621 over the past year. Since 1983 “Providing extra protections for South Dakota seniors is the role of the Attorney General’s Elder Abuse & Financial Exploitation Subdivision,” said Jackley. “Seniors are all too often a target for financial exploitation TREE TRIMMING, REMOVALS & TRANSPLANTING and our invesTREES FOR SALE tigators and prosecutors EVERGREEN • SHADE • ORNAMENTAL are working Yankton 605-260-1490 hard to proHartington 402-254-6710 Hartington Tree LLC Serving Southeast SD & Northeast NE for 20 Years Kent & Kyle Hochstein • Licensed Arborists www.hartingtontree.com Pack Your Bags Vacation in Branson october 30th – november 3rd, 2017 $649 per person double occy • $759 per person single occy Bus Package Includes: Transportation • Four Nights Lodging Camden Inn • Beautiful Dogwood Canyon • Patsy Cline & Friends • The Bretts • Daniel O’Donnell • Dixie Stampede • Hughes Brothers • Neal McCoy •Texas Tenors • Hot Breakfasts & Lunches included Navigator Tours call (800) 634-8696 Before september 30, 2017 vide those much needed protections.” The Elder Abuse & Financial Exploitation Subdivision was created by the Legislature during the 2016 legislative session and is comprised of one full-time investigator and one full-time prosecutor and primarily investigates and prosecutes cases involving theft of assets from the elderly in South Dakota. The Subdivision received over 400 tips during their first year. In addition to the investigative and prosecutorial work this Subdivision does, they provide education to seniors and their families on the seriousness of elder financial abuse. The Subdivision conducted 100 outreach events with over 2,600 attending as part of the educational component over the last year. Organizations are encouraged to call the Attorney General's Office at (605) 773-3215 to schedule an outreach event. TODD’S ELECTRIC SERVICE “The Line To Power” Design/Build • Fiber Cabling • Commercial • Residential Service Calls • Boom Truck with Auger • Trenching Serving the Beresford and Vermillion Areas 1-800-560-2518 1221 Cornell St., Vermillion, SD • 605-624-5642 201 NW 13th St., Ste. 3, Beresford, SD • 800-560-2518 Jensen Auto Body 605-624-2481 Come see me for the Best Part of a Bad Situation. 301 W. Main,Vermillion