2 Broadcaster Press March 6, 2018 www.broadcasteronline.com What Students Learned In Math Class 2018 Dave Says Don’t Let It Hang Around! By Daris Howard Better Late Than Never Dear Dave, Dear Dave, I have $100,000 in student loan debt. Dear Dave, Since the amount is so large, is there a I have a credit card that I haven’t made a payment on in almost special place in your Baby Steps plan two years. The debt has been sold a couple of times, and now a for it? collector is saying I owe $1,200. The original amount was $500. I’d Julie like to work something out, but I can’t afford $1,200. What should I do? Dear Julie, Luanne The fact that it’s a large amount of student loan debt doesn’t change anything. Baby Step 2 is where you pay Dear Luanne, They’re asking for $1,200 because they’ve added things like interoff all debt except for your home. est and late fees. They want to make as much money as possible I hope you have a nice, large income with which to fight that big, nasty pile on an old debt they bought for pennies on the dollar. Dave of student loan debt. Believe it or not, I’ve If you can afford $500 right now, ask if they’ll accept a one-time seen even worse situations. I’ve talked to payment to settle the account. Get it in writing if they accept the people who went $200,000 into debt for a offer, and don’t give them a penny until after you get a copy of the four-year degree in a field where they’ll written agreement. Once you have the agreement in hand, send make $50,000. That kind of thinking and behavior is ridiculous, them a money order or cashier’s check for $500. Do not, under any circumstances, give them electronic access to your bank acbut it’s out there. Whatever you do, don’t let this student loan debt hang around counts. for years and years. You’ve got to get focused and intense about You waited too long to take of your obligation, Luanne. That getting control of your money. That means living on a strict, ba- made things more difficult and more stressful than necessary. I’m sics-only monthly budget. After that, start throwing every nickel glad you decided to do the right thing, and clean up your mess, and dime you can scrape together and save toward those student though. Better late than never! loans as fast as possible. — Dave Your income is your largest wealth-building tool, Julie. You can’t save, and plan for the future, when all your money is flying out the * Dave Ramsey is America’s trusted voice on money and busidoor to pay back debt! ness, and CEO of Ramsey Solutions. He has authored seven best— Dave RAMSEY 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. Value-Added Finance Authority Board Approves Beginning Farmer Bond Issues PIERRE, S.D. – The South Dakota Value Added Finance Authority (VAFA) board approved the issuance of two beginning farmer bonds at their regularly scheduled monthly meeting. On Feb. 22, 2018, the VAFA board approved two bond issues for a total of $851,000 for two qualifying beginning farmers. Public hearings were held on both projects with no comments either for or against the project. “The beginning farmer bond program, through the VAFA board, is a great way for qualifying beginning farmers to purchase real estate,” says Terri LaBrie, executive director of VAFA. “The program enables beginning farmers to get better rates and terms and also allows for taxexempt interest income for the bond purchasers; typically their local lenders or a contract seller that is not MECKLING TOWNSHIP EQUALIZATION MEETING Monday, March 19th, 2018 7:00 PM Township Hall Tax Appeals alternate date of Tuesday, March 20th Tax appeals must be submitted to Clerk in writing and received by March 15th, 2018 Clerk, Jane Larson 31377 454th Ave. Meckling, SD 57069 •ATTENTION• The Garfield Board of Supervisors will meet as a Board of Equalization at the Dalesburg Farm Supply 30442 University Rd • Centerville, SD 57014 Monday, March 19th, 2018 at 7 p.m. Letters of Appeal must be received by Thursday, March 15th 2018. Nick Oyen, Clerk 30396 466th Ave. Beresford, SD 57004 a closely related party.” VAFA is a seven member board established in 1995 to develop and promote agriculture in the state. The mission of VAFA is to provide lower cost financing for qualifying beginning farmers and agricultural businesses. “We are excited for these beginning farmers and happy we can provide these programs to help the next generation of farmers,” says Bob Hull, chairman of the board. The board also approved a Livestock Nutrient Management Bond application at this month’s board meeting for a project in Lincoln County. The tax-exempt bond programs offered through the VAFA are for beginning farmers, agribusinesses and projects with a solid waste disposal component. Board members are appointed by the governor. All program details and applications through VAFA or the Department of Agriculture are available on the web at http://sdda. sd.gov/finance/. For questions on these financial programs, contact Terri LaBrie at 605.280.4745. For a list of other board members and more information on VAFA, visit https:// sdda.sd.gov/boards-andcommissions/value-addedfinance-authority/. Agriculture is a major contributor to South Da- 13th Annual kota’s economy, generating $25.6 billion in annual economic activity and employing over 115,000 South Dakotans. The South Dakota Department of Agriculture's mission is to promote, protect and preserve South Dakota agriculture for today and tomorrow. Visit us online at http://sdda.sd.gov or find us on Facebook, Instagram and Twitter. Get your ad in the.. Classifieds Today! CALL 624-4429 ••• FAX 624-2696 ••• EMAIL classifieds@plaintalk.net ••• ONLINE BroadcasterOnline.com ••• DROP BY 201 W. Cherry, Vermillion Over the years, we have found that one of the students’ greatest criticisms of any math class is their claim that they didn’t learn anything. Therefore, as part of their final, I have the students list ten things that they have learned. These items can be anything at all in relation to the class. They are allowed to write their list ahead of time and bring it to the final if they want. Most observations are quite normal, but some make for interesting reading. Each year I list some of them, and here is this year’s list. I haven’t shared any for a while, so I thought it was about time again. 1) I learned that I really don’t want to be a math major like I thought I did. 2) Math for the real world makes me afraid to go out into the real world. 3) I learned that my backpack is way too big to be practical. 4) I learned a lot more about taxes. I will still have my dad do them since he is an accountant, but I learned what he is doing when he does them. 5) I learned that in math, the calculator is man’s best friend, not a dog. 6) Just being smart doesn’t always help you in every class. Sometimes you have to work. 7) I learned that no one in my apartment knows how to help me with math. 8) I learned that I am glad I am majoring in business. 9) I learned that taxes are complicated, so I am glad my fiancé is an accountant. 10) I learned that college math requires you to actually think. 11) I learned we work better in our group if someone actually knows what they are doing. 12) I learned that I am stressed over everything when I procrastinate. 13) I learned how big of an ego the kid next to me has. He thinks he is top of the world. 14) I learned that Professor Howard is pretty cool about having people over to his house to milk his cow. 15) I learned that six girls living in an apartment creates a lot of tension and makes it hard to think in class. 16) I learned that girls need lots of compliments or they can become angry cavewomen. (Written by a boy.) 17) If you pay attention, you will find out that Professor Howard actually has an awesome sense of humor. But a lot of people never know it. 18) It is hard to do all of your homework for an entire chapter the day before the test. 19) If you do your homework before the test instead of after, it helps your grade... A LOT! 20) Sleep during the night and stay awake in class, you’d be surprised by what your teacher covers. 21) This semester I learned that I really hate when people waste my time, especially when they act like they know what they are doing when in reality they don’t. (This is talking about tutors, not you, Professor Howard) 22) I learned that when a girl says hi to you when the two of you walk past each other, and then she turns around to say hi again, she is really saying that she wants you to get her number. 23) I learned that Professor Howard was a collegiate athlete. I saw his picture in an old yearbook. Who would have guessed? He sure doesn’t look like it now. View Black Hills Snowmobile Trails With New Trail Cameras PIERRE, S.D. – South Dakota Game, Fish and Parks (GFP) officials say snowmobile trail conditions are in good shape after recent snowfall in the Black Hills. Thanks to new trail cameras, snowmobilers can see realtime trail images online through the trail conditions map on the GFP website. “We are excited about the installation of our first dedicated trail camera located near the Kirk trailhead just south of Lead,” said Ryan Raynor, GFP snowmobile trails coordinator. “We are also making use of two South Dakota Department of Transportation (DOT) cameras at Hardy Station and Savoy to give snowmobilers a look at snow conditions in those areas.” The images can be accessed through the trail conditions map on the GFP website. The newly installed camera uses the same technology DOT uses for road conditions. The DOT camera images can be viewed on the Safe Travel USA website (safetravelusa.com/sd) and on the SDDOT 511 mobile Fairview Township Board phone app. Currently, GFP is assessof Equalization ing plans to use the DOT will begin cameras in the eastern half Monday, March 19th at 7pm, of the state to provide the same level of service to Burbank Schoolhouse those trail riders. Letter of appeal must be mailed to To view trail conditions, Fairview Township visit gfp.sd.gov and search PO Box 105, Vermillion, SD 57069 “snowmobiling.” and be postmarked no later than March 15th. Please include phone number. Consider it... NOTICE A regular meeting will be held March 27th please attend. Keith Burkhart, Clerk March 10th & 11th, 2018 Saturday: 10 a.m.-6 p.m. • Sunday: 11 a.m. - 4p.m. Sold! Classifieds NOTICE THE ANNUAL SPRING LOAD LIMITS will go into effect in the near future on Clay County roads. Limits will be enforced as posted. We ask for your cooperation at this critical time of the year. Studies show that roads lose over 60% of their strength during the spring thaw. Research by the South Dakota D.O.T. claims road damage by one legally loaded truck causes as much damage as 9,600 cars. One truck with 20% overload causes as much damage as 19,200 cars. You can be assured, we will not have the load restrictions in effect any longer than necessary to protect the large investment you have in your County Highway System. COOLING COOLING COOLING COOLING There will be no over-width or over weight permits issued during this period. CLAY COUNTY COMMISIONERS • CLAY COUNTY HIGHWAY DEPARTMENT CLAY COUNTY SHERIFFS DEPARTMENT COOLING