2 Broadcaster Press March 20, 2018 www.broadcasteronline.com Dave Says By Daris Howard Not As Bad, But Still Not Smart Dear Dave, How do you feel about check cash- Dear Kris ing companies? You’re doing very well at a young age. Congratulations! I’m glad Norman you’re thinking about your financial future, too. But I’ve got a better idea. Tell them you saw it in good Broadcaster! How about opening a Roth IRA with the growth stock mutual Dear Norman, Anytime insurance is there for funds inside? That would be my choice. Fund it up to $5,500 a mutual funds have sometI’m not a big fan of check cash- year, and make sure the 624-4429 strong track records ing companies. They’re not nearly of at least 10 years. This investment — growing tax-free — will be as bad as payday lenders, but it still superior to a non-matching 401(k) or certificate of deposit. If you seems kind of silly to me there’s even want to invest even more, you could then put additional cash into a market for this kind of thing. If you the 401(k) offered by your company. want a place to cash your checks and With your income and maturity, plus the proper investment store your money, all you have to do strategy, you’re likely to retire a very wealthy lady. Keep up the is walk into a bank and open an ac- great work, Kris! Dave — Dave count. I realize there’s a small segment of the population that some people in financial circles * Dave Ramsey is America’s trusted voice on money and busilike to call “the unbanked.” This means that, ness, and CEO of Ramsey Solutions. He has authored seven bestfor whatever reason, they avoid banks. That’s their choice, but in selling books, including The Total Money Makeover. The Dave the process, they leave themselves susceptible to bad deals. Ramsey Show is heard by more than 12 million listeners each As I said, I don’t feel the same way about check-cashing compa- week on 575 radio stations and multiple digital platforms. Follow nies as I do about payday lenders. But it’s still not a financially Dave on Twitter at @DaveRamsey and on the web at daveramsmart move to regularly pay a storefront operation fees just to sey.com. cash your checks. — Dave RAMSEY Tell them you saw it in the Broadcaster! 624-4429 Here’s A Better Idea Dear Dave, I’m 27 years old, and I have no debt. In addition, I have a fivemonth emergency fund of $14,000. Recently, I started a new job making $60,000. I’ve been offered a 401(k) with no match, but I was wondering if instead I should open a high-yield CD. Kris Tell them you saw it in the Broadcaster! 201 W. Cherry • Vermillion, SD 624-4429 Horticultural Society Spring Tell them you saw it in the Workshop Huron, April 21 Broadcaster! BROOKINGS, S.D. - The Annual South Dakota State Horticultural Society Spring Workshop will be held in Huron April 21, 2018 at the Plains Dining and Recreation Center (960 4th St. north east). Flowers grown from bulbs, or bulbous flowers will be the focus of the one-day workshop. "This is an excellent opportunity to hear presentations from a nationally and internationally renowned speaker who is an authority on bulbous flowers that can help you to have a more beautiful garden, right here in South Dakota," said David Graper, SDSU Extension Horticulture Specialist & Master Gardener Program Coordinator. Registration for the event is due by April 4, 2018. The workshop fee is $30 for South Dakota State Horti- If you don’t get the word out about your business, no one else will!!! Ponca Nursing and Assisted Living Center will be offering the 76 Hour Certified Nursing Assistant Course Class to begin April 2, 2018 Become a hero to the less fortunate!! For information call 402-755-2233 Ask for Jacque or Jan Please register by March 30, 2018 201 W. Cherry • Vermillion, SD cultural Society members and $35 for non-members. Registration fee includes lunch. To register, send a check payable to S.D. State Horticultural Society or SDSHS to the organization's treasurer, Glenda Oakley at 1241 Frank Ave SE, Huron, SD 57350. Event information The event begins at 8:45 a.m. (CST). The event's speaker is Brent Heath. Heath is from Virginia, and is a noted authority on bulbs. He promotes the use of flowering bulbs of all kinds. Heath and his wife, Becky are co-owners of Brent and Becky's Bulbs at Gloucester, Virginia, and can be found online. At this website you can view photos, an online catalog, learn about their company and find expanded information for the topics on which he is speaking. Event agenda 8:45 AM - Registration 9:30 - 10:30 AM - Bulbs as Companion Plants 10:30 - 10:45 AM - Break 10:45 - 12:00 PM - Pest Resistant Bulbs 12:00 PM - Lunch during which time the S.D. State Horticultural Society will host its annual business meeting 1:30 - 2:30 PM - Tantalizing Tulips 2:30 - 2:45 PM - Break and door prizes 2:45 - 3:45 PM - Lovely Long Lasting Lilies and Awesome Alliums If you have questions or for more information, contact Glenda Oakley at 605.352.3391 or by e-mail. 624-4429 If You Read This... You Know Advertising Pays! Call the Broadcaster at 605-624-4429 or stop by to place your ad today! The Violin I went to the high school orchestra concert and visited with people before it started. But when the lights dimmed, we all moved to our seats and quieted down. The youth came filing in, and the audience applauded. As the young musicians moved to their designated chairs, I smiled as I saw who the senior boy was who took the concertmaster chair. Nathan was a big, muscular boy who looked like he should have been a linebacker for a football team, not playing violin in an orchestra. But Nathan’s orchestra story started many years earlier. He was always a big boy for his age, and everyone expected him to play football. The school had one of the best teams in the state, having won the state championship many times. Those on the football team were quite popular in the school. So when Nathan got into fifth grade, everyone was surprised when he didn’t try out for football. That was when the teasing started. Most of it was in fun, but some of it was downright mean. It continued to the point that he finally decided to join one of the teams. And because of his size, he was fairly good, but he wasn’t as outstanding as many people thought he should be. Nathan’s mother was the secretary in our department. In high school, I had been an all-conference and all-state football lineman, so Nathan’s mother thought it would be good to have him talk to me. She felt that maybe I could motivate him. But when he came to me, I could sense something was wrong. “Do you like football?” I asked. He shrugged. “It’s okay.” “Just okay?” He shrugged again, and we started to talk. I learned that Nathan was not really interested in football. His real love was music; classical music, no less. “Have you told your mother?” I asked. He shook his head. “Everyone just expects me to play football.” “I think she would understand,” I said. “Everyone expected my children to do sports. But when they tried, their hearts weren’t in it. If your heart isn’t in it, you will never excel. You need to do what you love to do, not what others tell you that you should do.” For the next few days, our department secretary was not her jovial self, and I wondered if I had been wrong in what I said. She wouldn’t say what was bothering her, but we could all tell something was on her mind. It was about this time that one of my colleagues came to my office. His wife was the orchestra teacher at the middle school. He told me he wanted to talk about Nathan. “Daris,” he said, “I don’t know if you know, but Nathan wants to play violin in the orchestra. But since his mother is a single parent, she doesn’t have the money to get him a violin. Would you consider donating?” I smiled. “Gladly.” There were only twelve members of our department, but we collected enough money to buy Nathan a high-quality, professional violin. A few days later, our department members gathered in the department foyer, and my colleague presented the beautiful instrument to Nathan’s mother. She cried openly as she accepted the gift for her son. And she was again her jovial self. Nathan loved orchestra, and he excelled. It wasn’t long before he was the lead violinist. Though some people still teased him about not playing football, his musical talent was soon recognized, and the teasing faded away. So now, as I watched Nathan play, including a phenomenal solo, I thought of how important it is to do the thing you love the most. But I also thought about how grateful I was for the good people I worked with who were willing to support a young man when he needed it most. Gary Allan And Sawyer Brown Added To SD State Fair Grandstand Line Up HURON, S.D. –The South Dakota State Fair is proud to announce Gary Allan with Sawyer Brown will join the grandstand concert line up on Sunday, Sept. 2, 2018. With the allure of a modern-day outlaw, Gary Allan has won over fans, peers and critics with his signature blend of smoldering vocals, rebellious lyrics and raucous live performances. While becoming a force on the country music scene, Allan has remained true to his artistic voice each step of the way. With hits like “Every Storm Runs Out Of Rain,” “Man to Man” and “Tough Little Boys”, Allan has been topping the country radio charts with fourteen Top 10 hits and eight million albums sold. The Californianative released his first album, Used Heart for Sale, in 1996 and has been drawing crowds ever since. He continues to sell out venues as a headliner from NY to LA. “There is a lot of energy and excitement around the fair this year, and the announcement of Gary Allan will keep that going,” said SD State Fairgrounds manager, Peggy Besch. “We’re excited to welcome him to the stage to celebrate 100 years of the SD State Fair Grandstand.” Sawyer Brown will open for Gary Allan. Known to be one of the hardest working bands in country music, Sawyer Brown has over 30 years of touring, huge hit records, incredible live stage shows and millions of satisfied buyers and fans. They are an integral thread in the fabric of country music. The band’s live shows are legendary. Having been described as “the Rolling Stones of country music,” the band bounds onto the stage night after night, delivering its own unique brand of high-energy entertainment, remaining a “Large or small, we do it all” perennial favorite at fairs, festivals, theatres and casinos. Sawyer Brown hits include, “The Race is On,” “Some Girls Do,” “Six Days on the Road” and “All These We are soliciting sub-bids and material Years”. Pre-sale on tickets will quotations for the following project: begin June 4 for backrest B-Y Water District Chlorine & holders, followed by Friends of the Fair ticket sales on Carbon Dioxide Feed System June 7. General public ticket sales will begin June 11. Improvements The 2018 South DaLocation: Tabor, SD 57063 kota State Fair will run from Project bid date and time is April 3, 2018 @ 2:00pm Thursday, Aug. 30, through Monday, Sept. 3. Channel Plans available at the Building Exchange or Seeds Preview Day will be contact Welfl Construction Corp. Wednesday, Aug. 29. This year’s theme is “ExperiPlease submit bids to: ence the Magic.” For more WELFL CONSTRUCTION CORP. information on State Fair 800 W. 23RD ST. PO BOX 60 events, contact the Fair office YANKTON, SD 57078-0060 at 800.529.0900, visit www. PHONE: 605-665-3258 FAX: 605-665-9384 EMAIL: schulzkevin@welfl.com sdstatefair.com or find them AN EQUAL OPPORTUNITY EMPLOYER on Facebook or Twitter. 605-202-9179 LAWN LANDSCAPE FENCE Locally Owned & Operated ATTENTION: MBE/WBE/DBE CONTRACTORS