2 Broadcaster Press November 14, 2017 www.broadcasteronline.com Dave Says Married or Single, Budgeting is the Key Dear Dave, Do you have any tips for how single people can stay on track with their finances? Deb Dear Deb, The first thing I’d suggest is the same advice I give to married couples, and that is to spend less than you make, and live on a written, monthly budget. Sit down at the end of each month and write down — on paper — all your expenses and income for the upcoming month. Give every dollar a Dave job, then spend everything on paper before the month begins. When you think about it, budgeting isn’t that difficult. All it takes is a little time and a few basic math skills. Some expenses, like your mortgage payment or rent, will be the same. If you have a car payment, it should remain constant, as well. Things like utilities and groceries may fluctuate a little based on the time of year, but you can formulate pretty accurate estimates by looking at past months. Another thing I would recommend is finding a mature, trustworthy friend or family member to act as an accountability partner. This person should also be good with money, and your relationship should be strong enough that they’re not afraid to call you out if you start behaving irresponsibly with your cash. Sit down, just the two of you, once a month and talk about your finances. You can even go over your income and budget line by line if it helps. The point in this scenario is to get support from someone who cares about you, and is willing to be there – and help hold you accountable – for the financial decisions you’re making. — Dave RAMSEY Used Car Warranties? Dear Dave, What is your opinion of used car warranties? Anonymous Dear Anonymous, I’m not a fan of extended warranties in general, and I especially dislike used car warranties. In my mind, they’re bad because they’re expensive and — on average — of little benefit to the buyer. Did you know, in many cases, only about 12 percent of what you pay for used car warranties goes to cover the cost of repairs? That means around 88 percent goes toward profit, overhead, and commissions. In fact, some used car dealers make more money from the sale of extended warranties than they do on the sale of actual cars. The best way to cover yourself is to buy smart and self-insure. Save up an emergency fund of three to six months of expenses, and stay away from stuff like used car warranties! — 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. Honoring Native American Heritage By Sen. Mike Rounds The rich and vibrant history of Native Americans is deeply woven into the fabric of America, especially in South Dakota. I believe we should celebrate our diversity. To honor their culture and the countless contributions Native Americans have made to our society, President Trump recently designated November as National Native American Heritage Month. Native Americans called South Dakota home long before Europeans settled in the West. South Dakota was originally a part of the vast territory of the Dakota, Lakota and Nakota people. A number of other tribal nations include the Dakota Territory in their histories as well. Today, our state is home to nine sovereign tribal governments, comprising more than 70,000 enrolled members. I have appreciated the opportunity to work closely with tribal government leaders on a number of initiatives both during my time as governor and now as a senator. One priority of mine has been to improve the quality of care at Indian Health Service (IHS) facilities in South Dakota. It is well-known that IHS has failed to live up to its trust responsibility to provide health care services to Native Americans, particularly in the Great Plains Region which includes our state. Decades of mismanagement and poor leadership at IHS have resulted in a health care crisis created by government bureaucrats. The IHS facilities within the Great Plains Region have the worst health care outcomes of any of the 12 regions nationwide, including Orthotic Shoe Inserts for Foot Support and Pain Relief >Plantar Fasciitis >Pronation >Foot, Arch and Heel Pain >Sore, Aching Feet 312 W 3rd Street Meridian District 605.665.9092 boston Find us on: the lowest life expectancy, highest diabetes death rate, highest tuberculosis death rate and the highest overall age-adjusted death rate. This is unacceptable. I have repeatedly said that the first step to fixing the crisis is to understand where the problems lie within the agency itself. For this reason, I introduced a bill that calls for an outside assessment of IHS. My bill would require an in-depth look at the overall financial structure, organizational structure and quality of care at the agency. The Senate Committee on Indian Affairs recently held a legislative hearing on our bill. The hearing was productive, and the testimony from Sisseton-Wahpeton Oyate Chairman Dave Flute in support of our IHS assessment bill was helpful in educating committee members about the severity of the problems at Great Plains Region IHS facilities. Our proposal is now moving forward in the Senate. The problems at IHS are at a crisis level, and our bill is a first step toward getting the agency back on track. The federal government must live up to its trust and treaty responsibility to provide quality health care to Native American citizens. This month, as we honor the culture of our Native American friends and neighbors, I encourage South Dakotans to also acknowledge the hardships they have faced throughout history and those they continue to face today. The health care crisis at IHS is just one example of how the government has failed to follow through on its obligations to tribal members, and I will continue fighting to fix this problem. BE SMART. Scan our QR code with your smart phone and discover the Broadcaster Online! shoes to boots footwear experts since 1915 Vermillion Sanitary Landfill Closed saturdays for the winter season Annual Gayville Legion PITCH PARTY HIGH - LOW- JACK and GAME Mon., Nov. 20 • Tues., Nov. 21 • Wed., Nov. 22 6:00 p.m. until ?? Bingo – 7pm to 10pm Win HyVee Turkey Cards & Raffles Oyster Stew - Beef Sandwiches EVERYONE WELCOME! Linder Salvage Do you have unwanted appliances? Early Deadlines Broadcaster Press Deadline for the November 21st issue will be Thursday, November 16th at 11 AM for all display and classified ads. Broadcaster Press Deadline for the November 28th issue will be Wednesday, November 22nd at 11 AM for all display and classified ads. Our offices will be closed Thursday, November 23rd and Friday, November 24th to observe the Thanksgiving holiday. Call Billy (402)692-3333 or (712)635-2575 By Daris Howard The Touch Lamp My daughter, Heather came out of her room all blearyeyed one morning. “What happened to you?” I asked. “My touch lamp is broken,” she said. “At least, I hope that’s all it is.” “How would that make you so tired?” “It freaked me out all night,” she replied. “It would turn on by itself. I would reach over and turn it off, and then a while later it would turn on again. I finally decided I didn’t care, so I just left it on, but then it would turn itself off. I tried to ignore it, but the turning on and off about every half hour or so was kind of spooky.” “I’m surprised it has gone bad so fast,” I said. “It’s practically new.” She shrugged, half asleep. “Whatever. All I know is it kept me awake most of the night. And if it’s not the lamp’s fault, I’m not sure I want to know what it is.” I consider myself a fairly decent electrician, so I took the lamp apart to look at it. I couldn’t find any short or anything that seemed wrong. I took it down and set it in the living room by my chair. Anytime I was near it; I would touch it. If it was on it turned off, and if it was off, it turned on. It never seemed to do anything on its own. I figured it was just a fluke. We put the lamp back in Heather’s room, but the next morning she complained about the same thing happening. She said either it was moved out or she did. I decided to try it in my room. I turned it off for the night, and never once did it turn on by itself. We tried it in her room again, but the next morning she was sleeping on the couch and complained about the same thing happening. I read everything I could find about touch lamps and could find nothing that indicated the kind of problem we were having. I hated to get rid of it since it was so new, but I didn’t know what else to do. Then one night Heather was going to be late getting home from a school activity, so I had her set up her room just like she would for bed. While she was gone, I watched her room. I made sure the light was off, and when I came back later, it was on. I shut it off, and when I came back later, it was on. I left it on and came back later, and it was off. It was spooky. I decided I was going to get to the bottom of it, so I went in and sat on her bed. As I sat there, I heard the familiar buzzing sound that is so annoying when a person is trying to sleep. It was the sound of a fly. It sounded like a really big one. I considered getting up and getting a fly swatter when I thought of something else. I realized it was attracted to the night light by Heather’s bed. That night light was right next to her lamp. I wondered if the answer could be what I was thinking. I waited, and momentarily the light turned on. I looked at the lamp, and the fly was sitting on it. I continued to watch the fly. Eventually, it flew away. I could hear it buzzing around. It landed somewhere. I continued to listen, and it started buzzing again. Eventually, I could see it coming back, and it landed on the lamp. The lamp instantly shut off. I got up off of the bed and turned on the main light. I chased the fly from the room with a fly swatter and moved the night light over by the desk, so if there were ever a fly again, it would be attracted in that direction. That night, when Heather came home, I told her I had found her ghost. When I told her what it was, she looked at me suspiciously. But the ghost never came back, and the lamp was saved from a trip to the second-hand store. Gov. Daugaard Encourages Expansion Of Registered Apprenticeships PIERRE, S.D. – The Department of Labor and Regulation (DLR) is offering informational sessions in four communities during the week Gov. Dennis Daugaard has proclaimed to highlight registered apprenticeships. The Governor invites business, education, economic development, and HR leaders to attend the sessions to learn more about apprenticeship opportunities. “The apprenticeship training model combines work-based learning with related classroom instruction using the highest industry standards,” said Gov. Daugaard. “These opportunities provide students with crucial job skills in high-demand areas and allow them to earn while they learn. They also directly benefit industries that are looking to fill workforce gaps.” South Dakota has the potential to offer thousands of apprenticeship opportunities as many occupations can be apprenticeable, Daugaard added. Industry associations, higher-education institutions, organizations and other workforce intermediaries can be registered apprenticeship sponsors. A business can be a sponsor and manage all aspects of the program, or partner with an established sponsor. The informational sessions have been scheduled on the following days: • Tuesday, Nov. 14, 11 a.m. – 12 p.m. MST, Rapid City – at Western Dakota Technical Institute, 800 Mickelson Dr. • Wednesday, Nov. 15, 8 – 9 a.m. CST, Sioux Falls – at Southeast Technical Institute, 2320 N. Career Ave. • Wednesday, Nov. 15, 1 – 2 p.m. CST, Watertown – at Lake Area Technical Institute, 1201 Arrow Ave. NE. • Thursday, Nov. 16, 8 – 9 a.m. CST, Mitchell – at Mitchell Technical Institute, 1800 E. Spruce St. For more information about U.S. Department of Labor Registered Apprenticeships, visit www.StartTodaySD.com. Romsdahl’s Repair & Remodel Refrigerators, freezers, stoves, washers and dryers, cars, trucks & all types of scrap metals Beresford’s 33RD Annual Christmas Craft Fair Saturday, Nov. 25, 2017 9am - 3pm Located at the High School Gym 301 West Maple • 104 Booths • Lunch Served • Door Prizes Admission: Adults $1 Sponsored by: The Beresford Lions Club For Booth Information: 763-8349 Carpentry, Decks, Windows & Doors, Refinishing, Drywall, & Ceramic Tile 18 Years in Business Free Estimates 605-670-2161 Public Notice With Winter coming the City of Vermillion Code Enforcement Department wishes to remind all property owners that pushing or blowing snow from private property onto or across the street and alleys is prohibited. Trashcans or other receptacles may be placed between the sidewalk and the curb or along the alley 24 hours prior to collection and 24 hours after collection. Containers that are placed too close to the curb or in the street or alley are prohibited and may become projectiles if stuck by the Snow plow.