September 26, 2017 www.broadcasteronline.com Dave Says Help Parents or Pay Student Loans? Dave Ramsey Dear Dave, I graduated from college two years ago, and I have a good job making $60,000. I have about $10,000 in student loan debt, but my mom and dad have a real issue with their roof. It’s leaking in places to the point they have to set buckets around to catch the water, and I’ve gotten repair estimates of $3,000 to $5,000. They’re good, hard-working, blue collar folks, but they’re less fortunate financially and have more debt than I do. What should I do first — help them fix the roof or pay off my student loan debt? Jordan Dear Jordan, You’ve got a great spirit, man. If I woke up in your shoes, I’d probably help them fix the roof first. The only way I would do that, though, is if they agree to let you help them address the reasons they don’t have any money. If you have the cash, go ahead and pay for the roof. But let them know they must pay you back by getting some financial counseling. I know you love your mom and dad, and they work too hard to be broke. We’re not talking about you shaming or condemning them in any way. Talk to them in a loving, caring way, but you have to address the situation. If they’ve worked all their lives and can’t come up with $3,000, something’s wrong. The fact they don’t have any money is the symptom. The problem is they’ve mishandled the dollars they earned. Even if you don’t make a lot, you can have cash set aside for emergencies if you manage it well. You’re a young guy making good money, so there’s no reason you can’t do both things quickly. Help your folks with the roof, then turn around and knock out that student loan debt. It won’t be a huge burden to you. But remember, you fixing their lives without them fixing their lives will be a burden — to all of you! — Dave What’s Reasonable Fun? Dear Dave, We’re debt-free except for our house. I’ve been talking to a friend about how much money to allow for fun in your budget. The other day we bought a $100 bottle of wine, and she thought that was unreasonable. What’s your opinion? Beth Dear Beth, Something like that depends entirely on your overall financial situation. Buying a $100 bottle of wine is pretty stupid if you only make $20,000 a year. It’s not unreasonable, though, if you make $200,000 a year. Having a great income-to-asset ratio and living debt-free gives you the opportunity to relax and enjoy a few things. You’ve got to take the whole picture into account. I know a guy who makes well over $15 million a year, and he bought a $200,000 car. As a ratio, that’s a very small percentage of his income. So, it’s kind of silly to say an item is too expensive, or an irresponsible purchase, based on price alone. — 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. Broadcaster Press 9 South Dakota Remains The Pheasant Capital Of The World PIERRE, S.D. – The South Dakota Department of Tourism is reminding both resident and non-resident hunters that despite decreased brood counts in 2017, South Dakota is still home to some of the best pheasant hunting opportunities in the world. “Harsh weather conditions over the past year have certainly taken their toll on this year’s pheasant crop,” said Jim Hagen, Secretary of the Department of Tourism. “However, let’s not forget that the average pheasant population in South Dakota for the past 20 years has been 7.4 million birds annually, despite varying brood counts. That population is significantly higher than any other state in the union, and has allowed hunters to harvest more than 1 million birds in each of the last three years, or 9.5 birds per hunter, Disability Employment Awareness Month PIERRE, S.D. - Gov. Dennis Daugaard has proclaimed October Disability Employment Awareness Month (DEAM) in South Dakota. DEAM aims to raise awareness about disability employment issues and to celebrate the contributions of workers with disabilities. A host of South Dakota agencies and organizations will engage in activities during October to promote awareness of these issues and to help foster a disability-friendly culture in the workplace. For more information on DEAM events within South Dakota, please visit http:// dhs.sd.gov/rehabservices/ ndeam.aspx. This statewide observation coincides with National Disability Employment Awareness Month, a national awareness campaign that takes place each October. The 2017 theme is “Inclusion Drives Innovation.” Home of Great Ideas since 1934 201 W Cherry St. • Vermillion, SD • Phone: 624-4429 Fax: 624-2696 • BroadcasterOnline.com Girard Auction & Land Brokers, Inc. 2017 Fall Calendar Sept. 29th – Wakonda, SD: Large Sign & Advertising Auction Sept. 30th – Wakonda, SD: Annual Antique Tractor, Stationary Engine & Cast Iron Seat Auction Oct. 3rd – Center Point, SD: Lot w/Building; Collector Tractors, Guns, Tools & More – Jim Eli Estate Oct. 3rd – Viborg, SD: 2-Bedroom Single Story Home in Viborg – Jim Eli Estate Oct. 4th – Online Only: Farm Toy & DCP Truck Auction Oct. 8th – Online Only: Quilt Benefit Auction – Dakota Conference – United Methodist Church Oct. 12th – Volin, SD: Real Estate Auction of 2,500+ Sq.Ft. building Oct. 14th – Wakonda, SD: Large Hamm’s Beer Advertising Auction – Larry & Dorothy Weisser Collection Oct. 15th – Wakonda, SD: October Farm Toy Auction – Larry Jordan Collection of Hutchinson, KS Oct. 21st – Wakonda, SD: Round #2 of the Hintz Farm Toy Auction – Richard Hintz Estate of Holstein, IA Oct. 25th – Online Only: Hintz Estate Online Only Toy Auction Oct. 31st – Online Only: Yankton & Clay County Surplus Vehicle & Equipment Auction Nov. 9th – Peterson, IA: 80+ Collector Tractors & Parts – Wayne Frerichs Estate Nov. 11th – Griswold, IA: IH & Ford Antique Tractor Auction – Howard Rush Estate Nov. 17th – Wakonda, SD: Large John Deere Memorabilia & Sign Auction featuring IL & NE collections Nov. 18th – Wakonda, SD: High-Quality Custom Farm Toy Auction – large dispersal from Colorado! Nov. 24th – Wakonda, SD: Black Friday Farm Toy Auction Nov 25th, Wakonda, SD: Farm Advertising & Memorabilia Auction—all brands! Nov. 29th – Clay County, SD: 155+ Acres of Clay County Farmland – Ruth Hesla Estate Dec. 1st – Big Stone City, SD: Schmidt’s Landing Resort At Auction – Jim & Donne Greggory – Owners Dec 9th—Wakonda, SD: High Quality Tonka & Toy Truck Auction, Ray VanSyke of Scotia, NE, Owner Dec 10th—Wakonda, SD: Annual Pre-Christmas Farm Toy Auction Dec. 15th & 16th – Sioux Falls, SD: Borrowed Buck’s Roadhouse 2-Day Sign & Memorabilia Auction Dec 29th—Wakonda, SD: Large IH Tool & Memorabilia Auction. The Gerald Moderow Estate Dec 30th—Wakonda, SD: Large Winter Farm Toy Auction We can handle any size or type of auction that you may need! Call us for a free no-obligation consultation on your next auction! See why people from all across the Midwest choose Girard Auction & Land Brokers, Inc. to handle their real estate & personal property needs! Girard Auction & Land Brokers, Inc. (605) 267-2421 Toll Free: 1-866-531-6186 www.GirardAuction.com Marv Girard, BA; Ken Girard, CAI, AARE Broker; Mike Girard, CAI, BA; Scott Moore, BA per year.” In 2016, South Dakota’s pheasant season attracted 142,887 hunters, of which 81,141 were non-resident. “Not only is pheasant hunting a tradition in this state, it’s an economic driver that provides jobs and income for many South Dakotans,” continued Hagen. Data from the South Dakota Department of Game, Fish & Parks shows that pheasant hunting in South Dakota brought in $287 million in direct visitor spending and generated nearly $20 million in state tax revenue in 2016. The South Dakota Department of Tourism is comprised of Tourism and the South Dakota Arts Council. The Department is led by Secretary James D. Hagen. Huge 2-Day Antique Tractor, Gas Engine, Cast Iron Seat & Sign Friday, September 29th • 9:30 AM & Saturday September 30th • 9:00 AM Located: Girard Auction Facilities, Wakonda, SD Friday 9:30 a.m.: Early Bird Sign Auction. 1-hour session of rough signs, box lots, and other misc. items Friday 10:30 a.m.: High-Quality Cataloged Sign & Memorabilia Auction. Farm Equipment (JD, IH, MM and others), Gas, Oil, Auto, Seed, Feed, Coca-Cola & more! Lots of High-Quality Porcelain Signs, Large Signs, & other unique “Man-Tiques”! Saturday 9:00 a.m.: 100+ Cast Iron Seats plus Grain Drill ends & other cast iron. The Clarence Young Collection of Great Falls, MT. Saturday 10:30 a.m.: Huge Gas Engine Auction! 150+ Engines! All Brands—All conditions—from Maytags to 10hp and everything in between! JD, F-M, Stover, IH, Waterloo, Cushman, Fairmont, and many more! Featuring more from the Clarence Young Collection Saturday 1:00 p.m.: Antique Tractor Auction. 50+/- Antique & Muscle Tractors! All Brands—all conditions! See www.GirardAuction.com for detailed listing. Antiques, Muscles Tractors, Restored, Original & Projects! Consignments of tractors still being accepted! Call today or email today to include your tractor! Call for a free, full color brochure or see our website for 100’s of photos. Girard Auction & Land Brokers, Inc. (605) 267-2421 Toll Free: 1-866-531-6186 www.GirardAuction.com Marv Girard, BA; Ken Girard, CAI, AARE Broker; Mike Girard, CAI, BA; Scott Moore, BA 4-BEDROOM HOME ON LARGE LOT IN HURLEY, SD 10-ACRES ON NORTH EDGE OF TOWN – 1995 BUICK LESABRE – ANTIQUES – HOUSEHOLD AT AUCTION In order to settle the estate the following real estate and personal property will be sold at public auction located at 800 Iowa Ave. Hurley, SD (north side of town) on: TUESDAY OCTOBER 3RD • 11:00 A.M. REAL ESTATE SOLD FIRST It is our privilege to offer this home on a large lot and 10-acres on the north edge of Hurley that would make a great new home/acreage site or purchase the entire unit. Come take a look at what Hurley has to offer. TRACT ONE: HOME ON 150 X 180 LOT LEGAL: Lot 1, 2, & 3 Block 42 City of Hurley, Turner County, South Dakota. •4-bedroom 2-story home with a total of 1752 sq ft of living area. Courthouse records indicate the home was built in 1890. The home has fuel oil FA heat & electric heat with partial basement. •Home recently had a new steel roof installed. Detached 14 X 20 single stall garage and lawn shed. Property has several large shade trees. •Annual Taxes are $1,054.65 based upon an assessment of $33,635.00 •Home is being sold in AS-IS condition as part of an estate. Home has some character unique floor plan, open staircase, but could use some updating come take a look. TRACT TWO: 10-ACRES + OR – LEGAL: Lots 5-15 of Block 42 and all of Outlot 25, Outlot E, and the W ½ of Outlot 24 all in the city of Hurley, Turner County, South Dakota. •Approx. 10-acres more or less of unimproved land located on the north side of Hurley. The property is bordered to the north by 283rd St. to the west by Iowa Ave and the east by Park Blvd. •8.44 acres of tillable land that has a soil production rating of 92 with only one soil type of Egan-Trent silty clay loam. •Annual taxes on the entire unit is $2,166.52. At present, all city streets have been vacated. Property is taxed and assessed as city lots. •Aerial map and soil map is located in the buyers packet. Planted to soybeans. Buyer to receive landlords possession at closing. TO INSPECT THE PROPERTY: We invite you to inspect the land at your convenience. To inspect the home please call Jim Bondesen 605-310-3331 or visit www.wiemanauction. com for pictures and additional information. TERMS: Cash sale with 15% (non-refundable) on both properties with the closing on or before November 10, 2017. Warranty Deed to be granted with the cost of title insurance split 50-50 between buyer and seller. Seller to pay all of the 2017 taxes on both properties. New buyer will be responsible for all 2018 taxes. Sold subject to Personal Representatives approval and all easements, restrictions and reservations of record. BUICK LESABRE – ANTIQUES – GLASSWARE 1995 Buick Lesabre 93K miles white ext. gray leather int. very clean; 5-crocks; sad irons; High Back wood bed; large selection of blue and clear fruit jars; Ellington upright piano; Custom Made China Hutch; 3-Rinse Tubs; Arm chairs; many more items not listed APPLIANCES – HOUSEHOLD Amana 17CF upright freezer; Crosley 12CF chest freezer; Maytag Electric Dryer & Wringer Washer; White enamel trash burner; Sewing Machine & Cabinet; Recliners; Sofas; Arm Chairs; Suitcases; shelving; ice chests; cookware; Boxes of household items; Coast to Coast riding mower; Garden Tiller; push mower; Car Ramps; lots of boxes many surprises to be found OLIVE C. SANBORN ESTATE – OWNER JIM BONDESEN – PERSONAL REPRESENTATIVE Wieman Land & Auction Co. Inc. Marion, SD • 800-251-3111 www.wiemanauction.com Gary & Rich Wieman Brokers, Gary Ward Closing Attorney, 605-326-5282