2 Broadcaster Press July 4, 2017 www.broadcasteronline.com Always Kindness Dave Says By Daris Howard Let Him Be Mad Dave Dip In, Pay It Off! Dear Dave, My dad wants me to buy a house on a 30-year loan for him and my mom in my name, and let them make the payments. I’m 24 years old and have a good credit score and a nice apartment, but my job depends largely on how the oil industry is doing. My dad filed bankruptcy nine years ago, and he’s already $150,000 in debt again, so he’s never been very responsible with money. I think this would spell big trouble for me, but I’m sure he will be mad if I say no. What are your thoughts? Emmanuel Dear Dave, My wife just had our first child. Now, we now have about $3,000 in medical bills not covered by insurance. We’ve got $8,000 in our emergency fund, and I make between $25,000 and $30,000 a year. Should we try setting up a payment plan with the hospital, or is dipping into our savings a better idea? Matt Dear Matt, I’d write a check today and knock out that hospital bill. This falls under the heading of “emergency” in my mind, so pay the bill and jump back into rebuilding your emergency fund. You’ve done a really good job of saving on your income, but let’s see what we can do about making better money in the future. Extra practical training in your field, or more education in the classroom, could increase your income quickly. Your emergency fund needs to be a little bigger as well, and it’ll be a lot easier to make this happen if you’re making more money. I’m sure you’re a hard-working guy, but it’s going to be tough for even a small family to make it on what you’re bringing home now. The unexpected can become a common occurrence when there’s a little one in the picture. Congratulations! — Dave Ramsey Dear Emmanuel, Yeah, I think doing something like this would spell big trouble for you. If your dad is irresponsible with money — especially to the point of having to file bankruptcy — what makes you think he’ll make these house payments on time? I know this would be an uncomfortable conversation to have with your dad, but you need to brace yourself and just do it. Be respectful and explain exactly why you won’t do this. Think about it, Emmanuel. When he doesn’t pay the bill on time, it’s going to screw up your credit score. And when you get ready to buy a house, guess what? You’re going to have trouble qualifying because you already own a house. Most people don’t make enough money to qualify to buy two homes. Basically, your dad is asking you to not buy a house so they can have one. I can’t tell you how to make your dad okay with saying no to this, but I can tell you that your answer should be no. Let him and your mom know that you love them both, but this is something you just can’t do. — Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-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. Broad casteronline .com 2x1 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 July 5 – July 11. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Wednesday – Sloppy Joe on WW Bun, Macaroni and Cheese, Broccoli, Orange Thursday – Roast Turkey, Baked Sweet Potato, Creamed Peas, 3x1 Orange, Cookie Friday – Tuna Stuffed Tomato, Tossed Salad, Cottage Cheese, Fruit Crisp with Topping Monday – Chicken and Dressing, Mashed Potatoes and Gravy, Squash, Cranberry Sauce, Orange Tuesday – Roast Beef, Herbed Potatoes, Broccoli, Banana Broadcasteronline.c om Broadcasteronline.c om 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 July 5 – July 11. Menus are subject to change without notice. Wednesday – Baked Crispy Chicken Sandwich, Green Beans Thursday – Hot Dog, Baked Beans, Chocolate Chip Cookie Friday – Pancakes with Syrup, Sausage, Baked TriTater Monday – Cheeseburger, French Fries Tuesday – Baked Mini Corn Dogs, Peas Read and Recycle Protect Yourself – Be Informed About State Cosmetology Laws 4x1 PIERRE, S.D. – The South Dakota Cosmetology Commission sets high professional standards for nail technicians and cosmetologists for consumer safety. Every summer, many consumers seek nail and pedicure services without being informed of salon safety requirements. Being aware of the guidelines can prevent injury, infection and disease. Manicures and pedicures should only be performed in a licensed salon by a licensed nail technician or cosmetologist. Before making an appointment, ask questions, get referrals from the salon and review the state guidelines. Do Not: •Shave legs 24 hours before pedicures. •Allow cutting of calluses and ingrown toenails. •Allow the technician to use implements that have been used on previous clients. •Allow a nail technician to perform waxing services. Do: •Observe salon cleanliness and sanitation practices. •Inform the technician if you have health concerns or medications, such as diabetes or a compromised immune system. •Be aware of guidelines and ask questions. “If you are not comfortable with what you see in a salon, the best thing to do is leave,” said Cosmetology Commission Executive Director Kate Boyd. “Services should not hurt, injure or put you at risk of infection.” South Dakota consumers who make informed decisions about nail and pedicure services can help prevent health hazards. For more information, visit cosmetology. sd.gov or call the Commission at 605-7736193. op rop Sh D Till You Storewide earance Cl July 5th–July 29th 120 W Main Street, Vermillion • 605.658.1100 • Tues.-Sat. 10am-6pm R SUPEALE! RS SUMME Table Linens, Picture Frames, Dinner & Home Decor & So Much More!! 19 W. Main, Vermillion High school class reunions are always interesting. The women that were trim and beautiful are much heavier. Those of us men who were star athletes, running the mile in around four-and-a-half minutes, can’t walk thirty yards without stopping to rest. My ten-year class reunion was especially interesting. Though everyone looked different, we were still able to figure out who each person was. At least, we were until a man walked in, dressed in a Marine uniform with a captain insignia. He was about six-and-a-half feet tall and rippled with muscle. Lenny, who was also in the Marines, was astounded. “How could anyone become a captain in only ten years?” he asked. “The bigger question,” Rand said, “is who is he?” No one in our group had any idea. The tall Marine made his way over to the refreshment table and loaded a plate. He visited with people here and there, but even after these brief conversations, no one was any closer to knowing whom he was. “Maybe he’s just a stranger who saw we had food and came to join us,” Lenny said. “Why don’t you go tell him that’s improper?” Rand asked. “Are you crazy?” Lenny replied. “I’m only a sergeant, and I thought I was doing well to get to that rank. Besides, he could probably take any ten of us here and put us in the trash can like some of us used to do to the younger kids.” “My concern,” Dallen said, “is whether I ever mistreated him in high school.” Lenny turned to me. “Howard, you never had any enemies in high school. Why don’t you go find out who he is?” That statement was basically true. In first grade, I had been bullied, so as I go older, bigger, and stronger, I tried to be kind to those whom others often picked on. I couldn’t think of anyone I didn’t feel was my friend. So, with the encouragement of the others, I approached the big Marine. I struck up a casual conversation with him, hoping to learn who he was. I asked him about his family and life. He told me lots of things, but nothing that helped me determine who he was. I could see the last name “Heston” sewn on his uniform. But the only person I knew with that last name had been a small boy named Jesse, who had been under five feet tall when we graduated. He was the school wimp. I had stood up for him many times. More than any other boy he had reminded me of the bullying I received in my painful grade school years. I looked at this big Marine and knew he couldn’t be Jesse. Still searching, I asked, “How did you rise to the rank of captain in such a short time?” He smiled. “Do you remember the time we were juniors, and I got sick from running the mile in gym class? The seniors were going to make me run another mile, but you told them no. Your confidence and determination caused them to back down and leave me alone. I have tried to model that confidence and determination and mix it with the kindness you showed me. A person can never go wrong with kindness.” I gasped. He was Jesse, and he was at least two feet taller. I took him with me back to the group. “Hey, guys. You all remember Jesse Heston, don’t you?” I could see by the fear in their eyes that they did. Too many of them had picked on him. Some of the worst offenders started groveling. Jesse just smiled and said, “It’s sure good to see all of you again.” I was grateful that I had tried to always be kind to him, even though I knew I could have done even better. We had a nice visit. And after the class reunion was over, there was one thing that always stayed with me, and that was what Jesse had said and had shown in how he acted. “A person can never go wrong with kindness.” New Specializations, Certificates Meet Emerging Workforce Needs ABERDEEN, S.D. – The South Dakota Board of Regents has approved new academic program requests to meet emerging employment trends across the state. The regents this week authorized three highly-focused specializations within graduate-level biology programs at the University of South Dakota. Specializations in bioinformatics and integrative biology will apply to the Ph.D. program in biological sciences, while the specialization in conservation and biodiversity will be offered as part of USD’s master of science degree in biology. Specializations within a degree program appear on a student’s transcript. Bioinformatics concentrates on analyzing large data sets originating from a variety of sources. Courses will focus on biology, as well as mathematics, statistics, and computer science, enabling doctoral students to collaborate on high-level research projects. Integrative biology emphasizes a multidisciplinary approach in the study of diverse biological systems. The specialization in conservation and biodiversity concentrates on content knowledge and research in ecology, conservation, and biodiversity. Courses will focus on the conservation and variability of organisms and their environment, equipping degree holders with a more specific set of marketable skills and competencies compared to a master’s degree in biology without specialization. Regents also gave the go-ahead to deliver new undergraduate certificate programs at the University of South Dakota in communication and leadership, healthcare and leadership, management, personnel supervision, and small business entrepreneurship. A graduate certificate in science, technology, and math pedagogy will also be offered by USD. At Dakota State University, a graduate certificate will be available in digital humanities, while South Dakota State University will offer an undergraduate certificate in workplace intercultural competence. Certificate programs usually require fewer credit hours to complete than a minor. They are developed by packaging a small set of courses that allows students to develop expertise within a focused area of study, addressing identified market and workforce development needs.