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2 Broadcaster Press July 24, 2018 www.broadcasteronline.com Dave Says Hiring The Right Person Dear Dave, I own a small business with two employees, and I have a bit of a hiring conundrum. I’m looking at two candidates for a position, and on paper they’re evenly matched. I’ve interviewed each of them four times, and I’m still undecided. I was hoping you had an idea for determining which is best for the job. Bryan Dear Bryan, As an entrepreneur, that’s a great problem to have. I’m glad you Dave understand the wisdom of interviewing potential hires more than once. Sometimes business owners hire a person after just one meeting. That’s a really bad idea. Have you let your team members talk to them? Sometimes other people — especially those who might be someone’s co-worker — will pick up on things you missed during a formal interview. You might also think about scheduling a meeting with each of the candidates off-site. People tend to be more at ease in an informal setting, like a restaurant or coffee shop, and this could lead you to discover new things. Sometimes, a more relaxed setting allows you to see the whole person, and decide if you like who they really are. It can also lead someone to say things that might cause you to hire them — or not hire them. Something we always do at my company is a final interview over dinner. Spouses are invited to this meeting, and we encourage them to speak into the situation. I’m not talking about a big test, just conversation and a friendly, family atmosphere. You can tell a lot about a person by how they talk to, and interact with, their spouse. And sometimes a spouse, if there is one, will catch things you missed during other interviews. I’m impressed that you’re taking this seriously, and devoting some real time and energy to hiring. Your thoughtfulness leads me to think you’ll make the right decision! — Dave RAMSEY You Must Pay A Price To Win Dear Dave, What can someone do if they can’t convince their spouse to begin planning and saving? I’ve tried for years to persuade my wife to join me in following your plan, but I can’t get her to start thinking about our financial future and stop living in the moment. Donald Dear Donald, It sounds like your wife, for whatever reason, is not willing to pay a price for a short period of time. I’m sorry to say it, but that kind of thinking is a one-way ticket to a lifetime of mediocrity. If you’re unwilling to pay a price to win, then you’re going to end up paying the price that comes with never having paid a price. In essence, you’re asking me how to get her to grow up. I’m not sure there’s a way to convince her at this point. If she’s not willing to delay getting or doing things she wants, that’s a sign of immaturity. You can’t change that within another person. It must be a conscious, willing decision on their part. Maybe you could try letting her know that being careful with your money and planning for the future doesn’t mean you can’t have any fun. It just means you may have to delay certain things for a little while. My wife and I do and have lots of cool things now, because we saved like crazy and sacrificed years ago. We lived like no one else, so now we’re able to live like no one else. In other words, we paid a price to win! — 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 25th to July 31st. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Wednesday – 3oz Liver and Onion, ½ c Company Potatoes, ½ c Parslied Carrots, ½ c Fruit Cocktail. Thursday - 3oz Roast Turkey, ½ c Baked Sweet Potato, ½ c Creamed Peas, Orange Cookie. Friday – 3oz Hamburger w/Bun, ½ c Tator Tots, ½ c Baked Beans, ½ c Pears. Monday – Cooks Choice. Tuesday – ¾ c Turkey Ala King over ½ c Mashed Potatoes, ½ c Peas, Fresh Fruit. South Dakota Maintains AAA With S&P VERMILLION SUMMER LUNCH MENU PIERRE, S.D. – Last week Standard & Poor Global announced that it has reaffirmed The Summer Food Program at South Dakota’s AAA Issuer Default Rating with Jolley Elementary will be serv- a stable outlook. ing lunch Monday through Friday “By sticking to conservative budget pracfrom May 29th to July 27th tices and keeping our reserves at 10 percent from 11:00 am to 1:00 pm. of our annual budget, South Dakota continues This meal is FREE to anyone 18 to benefit from the highest rating possible or younger. For more from S&P,” said Gov. Dennis Daugaard. “It’s information call 677-7000. been hard work to achieve AAA status during Menu listed below is for June 25 – July 27. Menus are my time in office. I am very proud to say that subject to change without notice. not only have we been able to reach this staWednesday – Cheeseburger, tus, but we have also been able to maintain it.” Green Beans Thursday – Corn Dog, Peas In the report, S&P reflects on the state’s Friday – Cheese Pizza, Corn expanding and diverse economy, strong economic trends, well-funded pension system, low debt, strong level of reserve funds, and our conservative By Daris Howard The Dowry I joined some other men and women to take the youth of our community to a water slide for the evening. I went down the slide only once and felt my body would never be the same. Most of the other adults felt the same way about the slide, so while the youth continued to see who could go the fastest or fly the farthest without killing themselves, we adults visited and grew fat eating brownies. Our community is rural, and talk among the men soon turned to crops and cattle. From there it turned to milk cows and how much time they took. At one point, Doug, one of the men there, turned to me. “Daris, didn’t you grow up on a dairy farm?” he asked. “I sure did,” I replied. “And I had milk cows until recently. How about you?” “I had one once,” Doug replied. “It actually came in quite useful.” He then told me the story. He said that on the Saturday he got off of his honeymoon, his father-in-law showed up. He was driving a truck with a single cow in the back. “This cow is yours, Doug,” the father-in-law said. “I’m giving her to you as a dowry for my daughter.” Doug thought that was a down-right gentlemanly thing to do. He graciously accepted the cow. But Doug began to wonder when he saw the grin on his father-in-law’s face. Doug locked the cow in the old barn and fed her. That evening, he milked her. She was gentle, and there seemed to be no problem, so Doug just passed off his father-in-law’s grin as friendliness. The next morning, Doug had an early morning meeting at the church. He decided to go to it, and then come home to milk. When he returned from the meeting, he was in for a surprise. The cow had busted her way out of the barn, and that is not figuratively. She truly busted down part of a wall. Doug drove up and down the road, and finally found the cow about a mile away, mowing his neighbor’s yard. The neighbor was not too keen on the free mowing job, and even less so about the free fertilizer the cow left on his doorstep. Doug finally got a rope on the cow, and the minute he did, she took off down the road at full speed with Doug in tow. It was embarrassing enough to be flying down the road like a kite, but the cow had to make sure she looped through everyone’s yard so they all would see Doug as a human ballast on the end of the rope. The cow dragged Doug right past his house and finally came to a stop in a deep ditch. She then turned to sneer at him, and Doug was sure she was asking him what he planned to do about it. Doug finally got the cow home and milked her. He was late for church, and found his predicament and morning run was the talk of the community. That night when Doug went out to milk the cow, all was well. But the next morning he found she had busted another hole in the barn wall and was gone again. Doug was so mad he could hardly speak. He was sure his father-in-law had given him the cow because he knew she would do this. He went in to ask his wife. “The stupid cow is out again,” Doug said. “Oh, you mean, Lucy?” she replied. “You know she got her name because she was always on the loose-ee.” Doug’s wife laughed, but Doug didn’t think it was funny. “But I did find a good use for the cow,” Doug said to me. “What was that?” I asked. “The next day was the auction, and I found out that a cow sold for just enough money to buy a newly married couple a nice television,” Doug said. “And that was the only useful purpose I have ever found for a milk cow.” and balanced budget requirement as key reasons for reaffirming the state’s AAA. The state general fund budget for fiscal year 2018 ended with a $16.9 million surplus, from both lower expenditures and higher revenues than budgeted. S&P has reported a stable outlook for the state’s fiscal year 2019 with structural budgetary alignment and strong economic metrics. S&P awarded the state a AAA rating in 2015. Fitch reaffirmed the state’s AAA rating for a third time last month and Moody’s is expected to renew the state’s ratings next month. Credit ratings give potential bond purchasers a measurement of state performance and credit worthiness. Upgrades typically allow issued bonds to carry a lower interest rate, PIERRE, S.D. – South Dakota state government closed providing interest savings to issuers as well the 2018 budget year on June 30 marking the seventh as the State of South Dakota and taxpayers. consecutive year with a surplus. The state general fund South Dakota Ends Fiscal Year With Surplus Save $30 on a Summer AC Tune-Up! budget for Fiscal Year 2018 ended with lower expenditures and higher revenues than budgeted. Holy Trinity Greek Orthodox Church State agencies demonstrated fiscal restraint by spend6th & Jennings • Sioux City, IA ing $10.7 million, or 0.67 percent, less than appropriJust give us a call and we’ll ated. Additionally, revenue for fiscal year 2018 exceeded send out a qualified estimates adopted by the Legislature last March by $6.2 million, or 0.38 percent. In total, the state’s budget for fisService Technician like cal year 2018 ended with a $16.9 million surplus. Tyler, to make sure your Business Luncheon Series “This marks the seventh consecutive year that we have maintained a structurally balanced budget. This was my AC unit is ready for those 18th number one priority when I took office and it still is as I finhot summer South Dakota ish my term as Governor,” said Gov. Daugaard. “Finishing Tyler Reiser Annual days and save $30!* fiscal year 2018 in the black puts South Dakota’s budget in Service Technician 3 Days a positive position as we begin the 2019 fiscal year.” 13 years experience Available Drive Thru Collectively, the three branches of state government spent $10.7 million less than appropriated. Of the general fund reversions, $8.5 million came from Executive Branch FRI. 5PM-10PM • SAT. 11AM-10PM • SUN. 11AM-3PM agencies, and $2.2 million came from the Unified Judicial Free Admission System, the Legislature, the Board of Regents and constituAuthentic Greek Food, Music, Bake Sale, Church Tours tional offices. South Dakota’s sales and use tax receipts, the When You Want Comfort… You Want Kalins! state’s largest revenue Vermillion: 605-624-5618 source, finished the fiscal *Rebate offer only available to Vermillion Light & Power customers. year growing 4.0% over the Call for full details. prior fiscal year. Collections from the sales and use tax 69 years as a Premier Lennox® Dealer accounted for 61 percent of 96 years in the Business total general fund receipts 400 years of Heating and Cooling Experience in Fiscal Year 2018. Yankton Vermillion Sioux City Other sources of revenue = Your #1 Choice in Vermillion! 605.665.4348 605.624.5618 712.252.2000 with notable increases were kalinsindoor.com the insurance company tax and lottery revenue, which Minimum 1-year grew 9.3 percent and 4.3 deposit $5,000 percent, respectively, over FY2017. Ongoing receipts Minimum to the general fund totaled 2-year deposit $1,593.4 million which grew $5,000 3.4 percent compared to the 320 W Main Street • Call for more info 624-8072 previous year. Minimum 3-year deposit South Dakota state No Membership Fees thru August 31st $5,000 government ended FY2018 by transferring $16.9 million Weekly Activities: Membership of $40 * Annual Percentage Yield (APY) effective 07/19/2018. CDs offered by Edward Jones to the Budget Reserve Fund, are bank-issued and FDIC-insured up to $250,000 (principal and interest accrued per year waived thru Tuesday 9 am Carbles (cards & marbles) but not yet paid) per depositor, per insured depository institution, for each account as required by law. The ownership category. Please visit www.fdic.gov or contact your financial advisor August 31st for additional information. Subject to availability and price change. CD values are Tuesday 1 pm Pinochle; Dominoes state’s Budget Reserve Fund subject to interest rate risk such that when interest rates rise, the prices of CDs can 3.5” x decrease. If CDs are sold prior to maturity, the investor can loseprincipal value. 2.5” | Maximum Font Size: 30 pt Stop at the Center Wednesday 1 pm Bridge; Pitch (10 point) now has a $132.4 million 3.5” x 2.5” | Maximumdoes not cover losses in market value. Early withdrawal may not be FDIC insurance Font Size: 30 pt permitted. Yields quoted are net of all commissions. CDs require the distribution balance and the General office for a Thursday 1 pm Dominoes; Hand & Foot (cards) of interest and do not allow interest to compound. CDs offered through Edward Jones are issued by banks and thrifts nationwide. All CDs sold by Edward Jones are Revenue Replacement Fund personalized tour registered 403(b) Thursday EOM 1 pm Pitch (10 point) Last Thursday of Month Havewith the Depository Trust Corp. (DTC). has a $44.0 million balBeginners Encouraged! ance. The combination of questions? Let’s talk. those two funds, totaling Daily Offerings: CurtCurt Robinson Robinson $176.4 million, represents Financial Curt Financial Curt Robinson Advisor Patrick M Higgins CurtRobinson Advisor Robinson Patrick M Higgins Hours: 9 am - 4 pm (Monday - Thursday) a combined reserve of 11.1 Financial Advisor Financial 23 Market Street Street Advisor Financial AdvisorAdvisor Financial 23 Market Advisor Financial Vermillion, SD 5706957069 Vermillion, SD 23 Market Street 23 Market Street Street 7 W. Cherry Street Street percent of the total general 605-624-2028 23 Market 605-624-2028 7 W. Cherry 9 am - 2 pm (Friday) Vermillion, SD 57069 Vermillion, SD 57069 www.edwardjones.com Vermillion, SD 57069 Vermillion, SD www.edwardjones.com Vermillion, SD 57069 57069 605-624-2028 605-624-2028 605-658-0205 fund budget for FY2018. 605-624-2028 605-658-0205 • Exercise Room • Puzzle Table JULY 27, 28, 29 When You Want Comfort...You Want Kalins 2.30 2.80 3.00 Looking for something to do this summer? Come and check out the ACTIVITIES at the Main Street Center Have 403(b) Financial strategies. Financial strategies. questions? Let’s talk. One-on-one advice. One-on-one advice. . . www.edwardjones.com www.edwardjones.com www.edwardjones.com www.edwardjones.com www.edwardjones.com Member SIPC Member SIPC • Library & Computers • Gift Shop
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