2 Broadcaster Press August 8, 2017 www.broadcasteronline.com Dave Says First, Get a Real Job Dear Dave, I currently have student loans in deferment from earning a degree in hospitality management. My career goal is to own a mobile food vending company, so I’m putting most of the money I make from eBay and ride-hailing services — around $1,000 a month — aside in savings for that. Should I forego my business idea for the time being, and knock out the student loan debt instead? Nicholas Dear Nicholas, You should put this business idea on hold for now, unless you can start it for less than $1,000. The first thing you need to do is go out, and get a real job. I know you have this dream of being self-employed, but right now you’re not doing so well as an entrepreneur. With a hospitality degree, you can make $30,000 to $50,000 a year within the industry, clean up your mess, and build out the eBay thing on the side. Just think about how quickly you could save up money for a jump into the food truck or mobile food business, then! Pay your way through it, Nicholas. Don’t sit around scraping by on the kind of money you’re making now and call that winning. You have a real economic engine at your fingertips, because you have the knowledge from the degree you earned. And it’s a valuable degree. If you go in there and bust it, you can escalate yourself upward through that industry in a hurry. While you’re doing that, you can clean up all your student loans and save up money for your food truck. Boom! You’re selfemployed and you learned a lot of stuff you can use in your new business. Go make some real money, then follow your dream, man! — Dave Dave Ramsey A Bad Move Dear Dave, I have a whole life insurance policy with zero cash value due to loans I took out per the advice of my agent. I finally realized this wasn’t a smart move, as I now owe premiums plus interest every year. Am I still on the hook for the policy loans if I forfeit the policy to buy term insurance? Tanner Dear Tanner, No, you are not. Get your term insurance in place first, then when you cancel the policy your cash value will offset your loans. They won’t loan you more than your cash value. It’s seldom that they will loan you 100 percent of cash value, so you might actually have a cash value that is above your loan amount. If they have loaned you the full amount of your cash value, it’ll be an exact break even, and just canceling the policy means you cancel the interest and cancel the premiums. It was bad advice to buy the policy, and even dumber advice to clean the whole thing out and sit there paying interest to borrow your own money and pay a premium to keep the loan open. I recommend 10 to 12 times your income on a 15- or 20-year level term policy. During that 15 or 20 years, of course, you should be getting out of debt and building wealth so that you have a big pile of money and no need for life insurance. — Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven bestselling 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 August 9– August 15. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Wednesday – Beef Nachos with Pinto Beans, Strawberries, Peaches, Cranberry Orange Bar Thursday – Tuna Stuffed Tomato, Tossed Salad, Cottage Cheese, Fruit Crisp with Topping Friday – Cooks Choice Monday – Salisbury Steak, Mashed Potatoes and Gravy, Parslied Carrots, Fresh Fruit Tuesday – Meatloaf, Baked Potato, Lima Beans with Pimento, Pineapple Tidbits, Dinner Roll 6 3 ????3???3???36???????  3 ???3?37??????34?3?3???35??????????3?????3???????? By Daris Howard A Scardy Cat Our neighbors’ dog, Rosie, didn’t like cats. In fact, she wasn’t too fond of many things. She had killed more than one batch of our kittens and at least a dozen of our chickens. She came snarling at us when we walked by, and I wasn’t sure she wouldn’t attack us if she had a chance. Our neighbors are good people and tried to keep their dog in. They put in an invisible fence, and that kept her home most of the time. But once in a while there was something so fascinating that she would endure the shock to get out. But even if she didn’t get out, there were times she would get excited and bark. Soon every dog in the neighborhood would join the chorus for the two a.m. bark. Our two dogs weren’t immune from this devilish deed, and more than once I got up and yelled at them to be quiet. But one night Rosie seemed to open the floodgates for a nightmare of barking. She was going crazy with a bark I had never heard before. It was not a vicious “I’m going to kill you” kind of bark, but it was an “I’m afraid for my life” one. My dogs joined in, seemingly calling out encouragement. Soon every light in the neighborhood was on as everyone shushed their dogs. I soon had mine quietly whimpering, and so did almost everyone on the block. But Rosie kept up her racket even with her owners yelling at her. They were out in their backyard, and I know they were trying to take care of the situation. But for almost an hour Rosie barked. I finally had to close the window even though we had no air conditioning and the heat was stifling. Eventually, Rosie stopped barking, and I opened the window, but she was whining so loudly I had to shut it again. After a while, I tried once more, and all was quiet. The next day I nonchalantly walked around the block, passing my neighbors’ house. I was hoping to discover what had caused the problem. But there was nothing unusual except that Rosie didn’t come snarling to the edge of the invisible fence line like she always had before. I knew my neighbors still owned her because I would catch glances of her, and I still heard her whimpers. But she didn’t bark or act viciously. A few days later I was out working in my garden, and the eleven-year-old girl from that family was riding her bike down the road. I waved at her, and she came over to visit. “Did you hear Rosie barking like crazy the other night?” Melanie asked. I nodded. “That was really hard to miss. What happened?” “My dad said he tried to piece things together from what he saw,” she replied. “There was a young cat that came into our yard that had its head stuck in a glass bottle. Dad thinks Rosie attacked the cat because there was dog saliva on the outside of the bottle.” “Did she kill it?” I asked. Melanie shook her head. “The bottle was a really thick one, and she apparently couldn’t bite through it. And the sound the cat was making was really eerie coming out of the bottle. Between not being able to bite the cat’s head and the eerie sound, it apparently scared Rosie to death. Dad said that adding that to the fact that the cat was running around backward in circles, he thinks Rosie thought it was a mutant cat that had come seeking revenge. We don’t know what she thought for sure, but she was at the farthest edge of the yard barking like she being killed.” “Yes,” I said. “I heard that part. So what did your dad do?” “He finally caught the cat and was able to grease its neck and get it free. It ran off. But Rosie kept whining, so we ended up having to let her sleep in the house all night.” “I haven’t seen much of her since then,” I said. “That’s because anytime a cat comes near our property, Rosie hides in her dog house and doesn’t come out for hours,” Melanie replied. I smiled and thought that maybe I would get a leash to walk our cat to protect me from Rosie. Read Summer Meal Gap Free Lunch Program and Recycle! Don’s Dust Control Community Celebration Dakota Hospital Foundation and Sanford Vermillion invite you to a community celebration. Ice Cream Social Thursday, August 10 • 5:00–6:30 pm Serving Sandwich, Chips, Homemade Pie, Ice Cream & Beverage Bring the entire family for a picnic meal, ice cream and more: • Great Plains Zoo Express Adult $6 / Child (3-8) $3 The Main Street Center (aka ~ Senior Citizens Center) Thank You For Your Support! • Inflatables • Sanford Arts Vermillion Activity Table Wednesday, August 16, 5–7 p.m. 605-491-2133 Main Street Center 320 W Main St., Vermillion Please join us as we welcome Amanda Duxbury, MD, and her husband James to the Vermillion community. • Medical Center Services Table - OB & Pediatrics - New On-site MRI - Dakota Gardens Assisted Living • Horse Arenas • Private & Commerical Drives • Unpaved Roads • Grain Elevator Access • Free Estimates The Summer Meal Gap Free Lunch Program at the Vermillion Public Library will be serving lunch Monday through Friday from July 31st to August 18th from 11:00 am to 1:00 pm or until food runs out. Lunch is FREE to children under 18 and their families. Menus listed below are August 9 – August 15. Wednesday – Chicken Nuggets, Fruit, Snack, Treat, Water Thursday – Double Cheeseburgers, Fruit, Snack, Treat, Water Friday – Sub Sandwiches, Fruit, Snack, Treat, Water Monday – Pizza, Fruit, Snack, Treat, Water Tuesday – Double Cheeseburgers, Fruit, Snack, Treat, Water Amanda Duxbury, MD Family Medicine Over 95 Years In Business Serving... Vermillion, Yankton, Sioux City and Everywhere In Between Vermillion High School, 1001 E. Main Street For more information, call (605) 677-3617. sanfordvermillion.org 018027-00352 7/17 018027-00216 7/16 Vermillion: 605.624.5618 • Yankton: 605.665.4348 Sioux City: 712.252.2000