2 Broadcaster Press July 10, 2018 www.broadcasteronline.com Dave Says Keep It Simple and Safe Dear Dave, My husband and I finally have our full emergency fund in place. Like you recommend, we’ve kept it in a money market account with check writing privileges for easy accessibility. Recently, we heard about short-term bond funds with a higher interest rate than our current money market account. Our money would be available for withdrawal if needed, and we would only lose the interest. Is it okay to move half of our emergency fund into one of these bond funds to take advantage of the higher interest rate? Ferisa Dave RAMSEY Dear Ferisa, Absolutely not! Under no circumstances should you do something like that. An emergency fund is not an investment. You’ll never build wealth and get rich off your emergency fund. That’s not what it’s there for. I understand this might be the first time in your lives you’ve had a nice chunk of cash in the bank. I also get that it’s hard to let it just sit there and make no money. But an emergency fund is insurance, not an investment. It’s a rainy day fund, and its whole purpose is to sit there safe and wait until life throws unexpected expenses in your face. Think about it this way. Insurance costs you money to protect things that make you money — like your home. It’s also there to cover things you otherwise would not be able to afford. When you have an emergency fund in place, you don’t have to dip into your 401(k), your IRA, or go into debt. Why? Because your emergency fund provides insurance against those kinds of things. Let your emergency fund sit right where it is, Ferisa. Besides, it’s a really bad idea to buy bonds in an environment where interest rates are increasing. Bonds have an inverse relationship to interest rates. So, as interest rates climb you’ll lose out if you’re playing around with bonds! — Dave Allow them To Earn It Dear Dave, Our daughter just turned 10 years old. Is now the right time to start giving her an allowance, and start teaching her about money? Danielle Dear Danielle, I’m glad you’re going to teach your daughter about money. But in my mind, there’s never a time for an allowance. I believe that kind of thinking, and using words like “allowance,” are some of the best ways to instill an attitude of entitlement in a child. I don’t think you want your daughter growing up with the idea she deserves money simply because she’s alive. My advice is to develop a method by which she can earn commissions. Write down a daily or weekly list of jobs around the house that are age-appropriate she will be responsible for doing. Then, at the end of the week, she gets paid for jobs she completed — and she doesn’t get paid for the ones she didn’t do. The idea is to teach her that work creates money, and teach a healthy work ethic at the same time. Of course, there are some things a child should be expected to do without financial reward. Everyone needs to pitch in, and do certain things to help when they’re part of a family. And once you’ve taught her about the importance and rewards of work, make sure to also teach her about the three uses for money — saving, spending, and giving! — 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 11th to July 17th. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Wednesday – Taco Salad, ½ c Mixed Veggies, ¾ c Pudding with fruit. 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 11 – July 17. Menus are subject to change without notice. Wednesday – Super Nachos, Corn Thursday – Chicken Nuggets, Corn Friday – Cheese Pizza, BBQ Beans Monday – Mini-Corn Dogs, Green Beans Tuesday – Sloppy Joe, Broccoli, Carnival Cookie Get your ad in the.. Classifieds Today! CALL: 624-4429 or FAX: 624-2696 EMAIL: classifieds@plaintalk.net ONLINE: BroadcasterOnline.com DROP BY: 201 W. Cherry, Vermillion Thursday - Hot Beef Sandwich, ½ c mashed Potatoes & Gravy, ½ c Corn Broccoli Bake, ½c Peaches, ½ c Vanilla Ice Cream. Friday – Tuna Stuffed Tomato, 1c Tossed Salad, ¼ c Cottage Cheese, ½ c Fruit Crisp with topping. Monday – 3oz Roast Pork, ½ c Mashed Potatoes & Gravy, ½ c Corn O’Brien, ¾ c Crunchy Cranberry Salad. Tuesday – 1c Chili, ½ c Fruit Cocktail, ½ c Vanilla Ice Cream. Highway 46 Open In Clay County YANKTON, S.D. – South Dakota Department of Transportation officials say Highway 46 is now open from 19A intersection to Frog Creek Road. This means that Highway 46 is now open from Interstate 29 to Highway 81. Flood waters have receded, but motorists are advised to drive with caution thru this area due to water next to the shoulder of the highway. Highway 19 in Clay County remains closed for three miles from 6.25 miles south to 3.25 miles south of the junction of Highway 46 and south of Centerville. Get the most up-to-date information on road conditions at www.safetravelusa. com/sd or by calling 5-1-1 before heading out. A Sense of Balance Butch was always one to try to show everyone up. There was never an end to what he would brag that he could do. That’s why what he claimed that day didn’t surprise us. “I watched a man walk a tightrope last night on tv,” Butch said. “Yeah. He was really good,” Buster, Butch’s brother, said. “Well, I could walk a tightrope just as well if I wanted to,” Butch said. “Bet you couldn’t,” Buster replied. “If we had one, I’d show you,” Butch replied. “Well, we don’t have any rope like that,” I said. “But maybe I can get a board and put it on its edge.” We were building on our barn, so we had lots of boards. I found one that was two inches thick, ten inches wide, and about twenty feet long. We stood it on its edge, and Buster held one end, and I held the other. Butch stepped up on it. He had only taken one step when he fell off. “I knew you couldn’t do it,” Buster said. “That’s because there’s no real motivation to stay on,” Butch said. “This is no challenge. The guy on tv last night walked high above the ground. He had motivation to stay on to not get hurt.” “That’s true,” Buster said. “If you fall off, you’ll only fall ten inches. Big deal.” “If we tried to set it up high off of the ground, my dad would kill me,” I said. “I know,” Buster replied. “Let’s set it up over the manure pit. That would give Butch motivation to not fall off.” Butch agreed that it would be motivation, and I felt it wouldn’t be too dangerous. So Buster walked his end around the manure pit. Buster and I set the board up, and Butch was just about ready to step onto it when Buster stopped him. “Wait a minute,” Buster said. “The guy on tv last night was carrying a girl on his shoulders. If you feel you can do as well, you should carry something.” We looked around and couldn’t think of anything, and then Butch spied the piglets. They were each about twenty pounds. “How about I carry a piglet?” Butch asked. “They don’t weigh near as much as a girl,” Buster said. “How about two piglets?” Butch replied. We all agreed that would be a reasonable feat. So we caught two piglets. They were squealing and squirming as Butch tucked one under each arm. He was now ready for the challenge. With Buster and me holding the ends of the board tight against the ground above the manure pit, Butch stepped out onto it. He wobbled, but regained his balance and took a step. He wobbled a bit more than the first time, but regained his balance. As he started to take the next step, one piglet started to squeal and wiggle harder. This upset the other one, and it did the same. Butch tried to take a step, but with the wiggling piglets, he was wobbling so much he knew he wouldn’t make it. Realizing he was in trouble, he must have decided he could run across the board. He took a few quick steps, but this just took him to the deepest part of the pit. He was wobbling a little more on each step, and then he missed the board altogether. But he was leaning so far forward trying to run, that he didn’t drop straight down into the manure that would have come to about his waist. Instead, he face-planted with one piglet still under each arm. The squealing piglets wriggled free and swam to the edge. Butch came up sputtering. Buster called out. “Hey Butch, I bet you’re glad we put the board over the manure pit so you had a soft landing and weren’t hurt.” I think I would have rather been hurt. Old Cronies Support Veterans At State Veterans Home PIERRE, S.D. – Veterans at the Michael J. Fitzmaurice State Veterans Home (MJFSVH) received a boost to their activities fund from the Old Cronies Motor Cycle Club. Members of the Old Cronies visited the State Home recently and delivered handmade wooden benches, religious ornaments for the chapel, custom artwork and a $6,000 donation to the MJFSVH activities fund. This is the third annual trip by the Cronies and the third time they have gifted our veterans. The Old Cronies Motor Cycle Club is a TODD’S ELECTRIC SERVICE “The Line To Power” Design/Build • Fiber Cabling • Commercial • Residential Service Calls • Boom Truck with Auger • Trenching Serving the Beresford and Vermillion Areas By Daris Howard 1-800-560-2518 1221 Cornell St., Vermillion, SD • 605-624-5642 201 NW 13th St., Ste. 3, Beresford, SD • 800-560-2518 group of former servicemen and women and their families and friends, from northeastern South Dakota, who wanted to give back to veterans. Brett Schaible of Bowdle, noted their visit to the Home is not just about the gifts they present; it’s also about renewing the friendships they have made with the veterans at the Home. This group is tied together by two strings – one that they love to ride and the other is their love for veterans. “Without a doubt, it’s groups like the Old Cronies reaching out to fellow South Dakota Veterans that really shows the true spirit of our state and our pledge to take care of our own,” said Brad Richardson, Superintendent of the Michael J. Fitzmaurice State Veterans Home. “The Old Cronies are truly a special group of caring individuals and families that have reached out to our heroes and touch our hearts,” said Richardson. “We are truly blessed for the difference they make in the lives of our South Dakota Veterans.” PRECISION PAINTING •Interior •Exterior •Commercial •Residential Quality Workmanship, Reasonable Rates Since 1983 CLINT TUCKER 624-4621 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 Place your ad today. 624-4429 Buy fast. Sell faster. CELEBRATION OF LIFE Sunday, July 29th • 1 P.M. Honoring the Life of John Paul Wirth On The Other Side Of Fear Varsity Pub - Basement 113 E. Main St. 541-515-3637 Is Freedom in Vermillion Serving Clay, Union, Turner Counties in South Dakota 605-624-5311