2 Broadcaster Press Dave Says July 3, 2018 www.broadcasteronline.com Artistic Endeavors Dear Dave, I’m retired, and in the past few years I’ve taken up painting. This hobby has begun bringing in more money than I expected. I was wondering at what point I should start thinking about separating my art money from my personal finances, and look at officially starting a little business. Pat Dear Pat, I’d do it now. A hobby that makes money is called a business. Dave Hearing this is scary to some people, but starting a small business doesn’t have to be complicated. You can go to your bank, and using your Social Security number, open a sole proprietor checking account. Title the account with your full name, then DBA — doing business as — and the name of your business. All your art income goes into that account, and any expenses paid where your painting is concerned comes out of that account. After the income goes in, and the expenses come out, what’s left is profit. That’s what you’ll end up paying taxes on. Also, you’ll be required to do quarterly estimates and send them to the IRS if you make more than $640 in a quarter. Always remember to always hold back 25 percent for taxes, too, in a separate savings account just for this purpose. This is really cool, Pat. I think you’re on the verge of being very successful! — Dave RAMSEY By Daris Howard Follow Up For Peace Of Mind Dear Dave, I’ve been following your teachings for a while, and I’ve noticed you advise people to get things in writing when dealing with creditors. Usually, it seems like you’re talking about credit cards and things like that when this is mentioned. I finally made my last student loan payment the other day. Do you think it would be a good idea to request a formal statement saying my student loan debt has been completely paid off? Andrea Dear Andrea, Following up on paid-off debts is always a good idea. It wouldn’t hurt to write, and request formal, written confirmation that everything is paid in full. You can do this through email, so you’ll have a record of contact, or you can send a certified letter — return receipt requested — through the postal system. That way, you’ll have a record they received the letter and signed for it. It sounds like you spent a lot of time paying off your student loans. After an experience like that, you don’t want to have to deal with greedy or dishonest collectors hounding you years down the road, and no way to prove you’re free and clear. Congratulations on finally kicking your student loan debt to the curb, Andrea! It feels awesome, doesn’t it? — 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 July 4 to July 10th. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. July 4 Gas Prices Highest In Four Years, Costing Drivers $1B More Than 2017 VERMILLION SUMMER LUNCH MENU The Summer Food Program at Jolley Elementary will be serving lunch Monday through Friday from May 29th to July 27th from 11:00 am to 1:00 pm. This meal is FREE to anyone 18 or younger. For more information call 677-7000. Menu listed below is for June 4 – July 10. Menus are subject to change without notice. Wednesday – No Lunch Served. Happy 4th of July! Thursday – Hot Dog, Baked Beans, Chocolate Chip Cookie Friday – Cheese Pizza, Mixed Vegetables Monday – Cheeseburger, Crinkle Cut Fries Tuesday – Hot Ham & Cheese, Peas, Carnival Cookie Motorists hitting the road to celebrate the July 4 holiday will be feeling more pinched than last year, shelling out an average of $2.90 per gallon, the highest Independence Day prices since 2014, when the national average hit $3.66 per gallon, according to GasBuddy, the only smartphone app connecting drivers with their Perfect Pit Stop. Making holiday travel Save $30 on a Summer ACsourer this year is that Tune-Up! Consider it... a price jump is looming. After five-straight weeks of prices dropping, gas prices Sold! are likely to increase Just give us a call and we’ll again ahead of July 4 as send out a qualified Classifieds oil prices surged to $73 Service Technician like Tyler, to make sure your AC unit is ready for those hot summer South Dakota days and save $30!* Wednesday – HAPPY 4TH OF JULY!!! Thursday – Chicken Parmesan, 1/2c Scalloped Potatoes, 1/2c Corn O’ Brien, 1/2c Tropical Fruit. Friday – Chef Salad w/Turkey, Cheese, Egg, Tomato,1/2c Peaches, Oatmeal Blueberry Muffin. Monday – French Dip Sandwich, 1/2c Pasta Veggie Salad, Fresh Fruit, 1/2c Vanilla Ice Cream. Tuesday – Herbed Pork Chop, 1/2 c Herbed Potatoes, 1/2c Carrots, 1/2c Acini di Pepe, Apple. per barrel yesterday, the highest since 2014. The State Department ordered buyers to curb their oil purchases from Iran by November. In addition, OPEC’s smaller than expected oil production increase last week fueled speculation that global inventories will continue to drop, and a government report showed U.S. oil inventories dropped 3 times as much as expected as total petroleum exports from the U.S. hit a new record high. The difference may not seem significant given that current gas prices are below the peak of $2.98 Happy Anniversary Michael and Linda (Tichy) Rasmussen They celebrate their 50th wedding Tyler Reiser anniversary on June 29, 2018. Service Technician Michael and Linda were married in Vermillion, SD. Their children 13 years experience are Loretta (Cory) Jorgensen, Laura (Ross) Tieszen, Leah Ennin, and Lindsey (Matt) Renken. They have seven grandchildren: Jordan, Kylie, Charles, Madelyn, Rachael, Mariah, and Violet. Cards may be sent to 31815 458th Ave., Vermillion, SD 57069. When You Want Comfort...You Want Kalins When You Want Comfort… You Want Kalins! Vermillion: 605-624-5618 per gallon hit in May, but over the first four days of July, gas purchases will cost motorists $1.02 billion more than last year. Even with high gas prices, however, most motorists aren’t likely to curtail their travel during the most popular summer holiday, due to its appeal and rich tradition celebrating the nation’s birthday. The top fear of travelers is overpaying for gasoline, according to GasBuddy’s 2018 Summer Travel Survey. For motorists traveling out of state, GasBuddy urges motorists to check prices before crossing a state line. “Crossing a line can be exciting and fun during summer road trips, until drivers realize that they left cheaper gas prices in the dust. Instead, motorists should mind the state line and find the best side to fill up on,” says Patrick DeHaan, head of petroleum analysis at GasBuddy. “In some extreme cases, we’ve seen consumers spend an extra $25 on a single tank when refueling on the wrong side of the line.” Buy Local! *Rebate offer only available to Vermillion Light & Power customers. Call for full details. 69 years as a Premier Lennox® Dealer 96 years in the Business 400 years of Heating and Cooling Experience = Your #1 Choice in Vermillion! Yankton Vermillion Sioux City 605.665.4348 605.624.5618 712.252.2000 Shop the Classifieds! Cat Names One of our cats had kittens this week. They are, I suppose, quite cute. Cats have never been my favorite animal, though there was one that I ended up liking. Its mother was killed by coyotes, so I raised it on a bottle. But usually, I view cats as the annoying creatures that tend to trip me when I have an armful of something, and they somehow decide I want them to wrap themselves around my ankles. Because of my lack of attachment to cats, I can never seem to remember what the other family members choose to name them. They use fancy names like Shimmer, Duchess, or Princess. I usually call them by how they look or act. For example, we have a cat that was born perfectly white. I started out calling him Snowball. But then his coat changed, and he had an orange tinge within the white. It changed in the summer when we would eat popsicles. I started calling that cat Creamsicle. Another cat was mostly black with a white belly. I called him penguin. Another one that looked like him I called Tux. One cat especially kept wrapping himself around my feet when I tried to walk. Once in a while, I would end up stepping on him, and he would let out a screech and run to hide. He would sulk for a few days, then be right back to his idiotic pestering. I less-than-affectionately named him Dumb Dumb. Another cat had a tail that had a strange twitch to it. No matter what he was doing, his tail would flicker, even if he slept. That one got the name of Twitch. Other cats received the names Grey Kitty, Orange Kitty, and Black Kitty. The thing about it, I could use the names I called them, and everyone knew exactly which cat I was talking about. But when the others in the family used the names they designated, such as Cuddles, Precious, Charlotte, or Zinnia, who was supposed to know which one that went with. Even the one I called Sylvester was obvious to anyone who had watched Saturday morning cartoons. However, a problem with this naming convention of mine arose when it was me who started taking them to the vet. I remember the first one. The receptionist brought up our family account on the computer. “What’s the cat’s name?” she asked. I stood there trying to remember the name the kids had given it, but my mind was blank. The receptionist looked up, somewhat impatiently. “This is your cat, right?” “Yes,” I replied. “But I can’t think of the name my kids use.” “What do you call it?” she replied. “Doormat,” I replied. “Doormat?” she said. “Yes,” I replied. “It always lies right in front of the door, so I step on it if I’m not looking.” “I suppose it doesn’t matter what you call it as long as you know which cat it is,” she said. I was relieved. I thought she was going to give me a lecture about how cats are people, too, and should have proper names. I received that lecture from my mother-in-law. I continued taking the cats to the vet as needed, just registering them with the names I called them. But one day I came home, and my wife was holding a postcard. “Perhaps I should be the one to take the cats to the vet from now on,” she said. “Why?” I asked. “Because the mailman got a real good laugh out of this postcard.” I took the card and read it. “Just a reminder that it’s time for Hitler Cat’s and Clown Kitty’s shots.” Perhaps it would be better if someone else took the cats to the vet. Fire Marshal Urges Safety In Using Fireworks PIERRE, S.D. – Even though there has been more rain this month in parts of South Dakota, the state’s Fire Marshal is reminding people still to be careful with fireworks as they prepare for the July Fourth holiday. Sale of fireworks in South Dakota begins this Wednesday, June 27, and can be purchased until Thursday, July 5. It is legal to discharge fireworks through Sunday, July 8. State Fire Marshal Paul Merriman says most years, the concern is about discharging fireworks in dry conditions. But he says people also need to be careful in areas which have received rain as well. “Unintentional fires started by fireworks can start in any type of conditions regardless of rainfall amounts,” he says. “It still comes down to common sense, following the instructions on the fireworks and not discharging fireworks around people and buildings.” Since some individual cities may adopt fireworks limits that are stricter than state law, Merriman suggests that citizens check local ordinances and regulations. Merriman offers a few simple safety tips: *** Follow the instructions on the product; *** Avoid using fireworks in places where a fire could start; *** Keep a source of water handy; and, *** Many fireworks such as sparklers, which are popular with younger children, can cause painful burns and should be used with adult supervision. The state Fire Marshal’s Office is part of the state Department of Public Safety. Get your ad in the.. kalinsindoor.com DEBRIS REMOVAL GRANTS AVAILABLE The TLC Water Project District is accepting applications for cost share assistance for tree debris removal from the Vermillion River. Please call or email for information and application tlcwpd@hotmail.com (605)530-2503 Cell • (605)563-2423 Office Application deadline-August 30th Hartington Tree LLC TREE TRIMMING, REMOVALS & TRANSPLANTING TREES FOR SALE EVERGREEN • SHADE • ORNAMENTAL Yankton 605-260-1490 Hartington 402-254-6710 Serving Southeast SD & Northeast NE for 20 Years Kent & Kyle Hochstein • Licensed Arborists www.hartingtontree.com HOLISTIC VET FORMULATED • Foods • Supplements • Treats for your Pet Made Fresh in small batches. Shipped directly to your home. https://tinyurl.com/violetrosepet Classifieds Today! CALL 624-4429 ••• FAX 624-2696 ••• EMAIL classifieds@plaintalk.net ••• ONLINE BroadcasterOnline.com ••• DROP BY 201 W. Cherry, Vermillion