2 Broadcaster Press May 22, 2018 www.broadcasteronline.com A Friendly Community Dave Says Save Up, or Get a Mortgage? Dave Dear Dave, I’m 28, single, and I just became debt-free. In addition, I make $70,000 a year and have the equivalent of six months of expenses set aside for emergencies. Should I save up to pay cash for a house, or is mortgage debt okay? I’d like to keep the price of a new home between $200,000 and $225,000. Since I currently live in a nice apartment, I think I can save about $20,000 a year. What do you think? Kathryn Ramsey Dear Kathryn, It sounds like you’re in great financial shape. Congratulations on becoming debt-free! Let’s take a look at both scenarios. If you can save $20,000 a year, that means you’re about 10 years away from a nice, paid-for home, and you’re still debt-free. That’s one option. At the same time, I don’t yell at people for taking out a 15-year, fixed-rate mortgage, where the payments are no more than 25 percent of their monthly take home pay. In this situation, you could save like crazy for a couple of years and make a big down payment on a home in the price range you’re talking about. Then, you could pay off that house in just 15 years. I honestly don’t have a problem with either solution, Kathryn, but think about this. Wouldn’t it be great to have your own home, and still be completely debt-free, at 40? It’s something to think about! — Dave By Daris Howard Stand up to Them! Dear Dave, A debt collection agency started calling my office a few weeks ago. I gave them an initial payment, and made an agreement to pay off the debt in monthly installments. This morning, they started calling me at my office again wanting payment. Can I legally demand they not call me at my place of employment? James Dear James, Absolutely! You have a legal and moral obligation to pay your debts, and I’m glad this is something you recognize. But collectors have rules they must follow. They’re governed by law just like everyone else. Be certain to keep your end of the agreement. Make your payments on time, or early, whenever possible. Then, if they call you at work again, remind them of your initial payment and the terms of the agreement already in place. Be polite, but firm, and demand that they never call you at your office again. In addition, send them a certified letter, return receipt requested, so you’ll have proof you sent the letter and they received it. In the letter, let them know that — according to guidelines set forth in the Federal Fair Debt Collection Practices Act — you are demanding they not call you at your office again. If they call you there after receiving this formal demand to stop, they’ll be in violation of federal law. If that happens, let them know you’ll talk to a lawyer and sue them. — 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 May 23 – May 29. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. We’re all ears. Wednesday – 3oz Liver & Onions, 1/2c Company Potatoes, 1/2c Parslied Carrots, 1/2c Fruit Cocktail Thursday – 3oz Roast Turkey, 1/2c Baked Sweet Potato, 1/2c Creamed Peas, Orange, Cookie Friday – Cooks Choice- Grilled Brat or Hotdog, Potato Salad & Melon Monday – Closed. Happy Memorial Day! Tuesday – 3/4c Turkey Ala King over 1/2c Mashed Potatoes, 1/2c Broccoli, Banana American Legion Requests Volunteer Help Your opinion is something we always want to hear. Questions? Call, write us or contact Comments? us via e-mail and let us Story Ideas? know how we are doing. 201 W. Cherry •Vermillion, SD 57069 605-624-4429 • classifieds@plaintalk.net Notice Fairview Township Fencing erected in Fairview Township must be 33 feet from the center of the road Fairview Township Clerk Members of the American Legion Wallace Post 1 in Vermillion are requesting assistance from volunteers as they prepare veterans’ graves for Memorial Day. The Legionnaires, with the help of volunteers, traditionally place American flags at the side of veterans’ graves at Bluff View Cemetery. This year, the flag placement will begin at the cemetery at 5:15 p.m. on Friday, May 25. Help is also requested in removing the flags from the cemetery at 5:15 p.m. on Tuesday, May 29. JOB OPPORTUNITY NIGHT SHIFT POSITION Full Time Full Benefits Responsibilities include: operating truck scale, cattle unloading and cleaning duties. Call: 800-950-0164 or 402-482-5931 There are many things that indicate the friendliness of a community, but the greatest is the desire of people to help their neighbors. I had experienced that helpfulness and saw it again in a humorous way this weekend. Sunday was a beautiful sunny day, the first after a couple of weeks of rainy weather. At church, it was hard to contain the youth in the classes long enough to get through a lesson. Trying to take them outside to teach them while they enjoyed the sunshine didn’t help. They basked in the warmth and didn’t pay attention to anything that was being taught. When church ended, the youth burst out the doors into the fresh air, much like frisky young creatures coming out of hibernation. But the adults were affected by this spring fever as well. Instead of visiting in the church foyer, as was usual, the conversations moved outside into the parking lot. I, too, went outside. As I was slowly moving to my car, I watched one family who was new to our community. The wife, Brenda, said to her husband, “Honey, could you drive the children home. I think I would like to walk home today.” “Good luck with that,” I said. Brenda looked at me with surprise. “It’s not that far,” she said. “It can’t be much more than a mile.” “It’s not the distance,” I replied. “It’s the neighbors. Everyone is too friendly.” Brenda laughed. “How can neighbors be too friendly?” “You’ll see,” I replied. Brenda walked toward the road. Her husband and children passed her on their way home and waved. They were barely gone when Brenda settled into a nice casual stroll. But she hadn’t walked more than fifteen yards when the first car stopped. The driver rolled down his window. “Do you need a ride?” I heard him ask. Brenda shook her head. “Just out for a pleasant walk home.” The friendly driver visited with her for a few minutes, and I could hear the angst in Brenda’s voice as she must have desired to be on her way. Finally, the driver pulled out around Brenda and continued on his down the road. Brenda hadn’t gone another twenty yards when the next car stopped. Once more the driver rolled down the car window, and I heard the familiar words. “Do you need a ride?” I was barely within earshot, but I could sense the frustration in Brenda’s voice as she said she was just enjoying the walk. The driver visited with her for a few minutes and then drove on. As another car approached, Brenda appeared to quicken her pace. But she hadn’t made it too far when the third car stopped. By this time she was too far away for me to hear, but I could imagine that the conversation was much like the previous ones. Instead of heading home, I decided to continue watching. Brenda’s pace had changed from a pleasant walk to an almost-jog. But as I watched, three more cars stopped before she had even covered a hundred yards. I climbed into my car and started on my way home. I watched ahead of me as cars continued to stop for Brenda to offer her a ride. When it was my turn, I pulled up alongside and rolled down my window, but I didn’t stop. Instead, I kept pace with her. “Now do you understand what I meant about the neighbors being too friendly?” I asked. Brenda sighed. “I guess it’s possible after all.” “That’s why when I walk home I cut through fields or follow the train tracks,” I said. With that, I continued on my way, but I smiled as I watched in my rearview mirror as the next car stopped to offer Brenda a ride. Connie Taggart retirement announcement! After 15 years at AG OPPortunities, and 37 years at this location - Connie is retiring! Stop in Friday, 6/1 from 1-5 for coffee, cake, snacks, and wish her a happy retirement! We will be closed Thursday and Friday, May 24th and 25th. Thank you Perhaps you sent a lovely card, Or sat quietly in a chair, Perhaps you sent a floral piece, If so we saw it there. Perhaps you spoke the kindest words As any friend could say; Perhaps you were not there at all and just thought of us that day, The Family of: Whatever you did to console our hearts We Thank you so much whatever the part. Jerald “RED” Chamberlain VOTE TUESDAY, JUNE 5TH! 102 E Main St, Vermillion, SD 57069 COUPON Spring Why settle for DC Lynch Shows just a 8 Rides for $10 slice … 1 Ticket Per Ride When coupons available 100% of Additional from mall merchants your retail market receives The NOTICE TO WATER Broadcaster. May 24–30 RE-ELECT JOHN “JACK” POWELL FOR MAYOR OF VERMILLION ? YES! Experienced & Proven Leader! ? YES! Responsive & Open to Ideas! ? YES! Committed to Progress! ? YES! Thoughtful Decision Maker! ? YES! Fair, Trusted & Respected! ? YES! Forward Thinking! ? YES! Available & Accessible! ? YES! Involved & Dedicated to Community! ? YES! Extensive Knowledge of City! ? YES! Representing & Working for YOU! “I would appreciate your vote on June 5th!” Paid for by Jack Powell for Mayor Committee except Zipper (2) The Broadcaster is CUSTOMERSthe primary medium successful Between May 21 and June 1 the businesses City Water Department have be flushing will used to reach their customers for and flow testing water mains. This over 50 years. will clear the mains of sediment and Your Broadcaster rust. Please let your tap carries more a water run advertising than all few seconds before using to clear any other local media sediment. This is especially important to combined. And, remember before washing clothes. like our customers, we continue to grow. Why settle for just a slice … When 100% of your retail market receives The Broadcaster. The Broadcaster is the primary medium successful businesses have used to reach their customers for over 50 years. Your Broadcaster carries more advertising than all other local media combined. And, like our customers, we continue to grow. Broadcaster Press 201 W. Cherry St. 624-4429 Why settle f just a slice … When 100% of y retail marke receives The Broadcaster The Broadcaster is primary medium successful businesses have used to reach customers for ove years. Your Broadc carries more adver than all other local combined. And, lik customers, we continue to gr Broadcast 201 W. Cherry 624-4429 1x8