072418_YKBP_A2.pdf
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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
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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.”
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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
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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
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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
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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
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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!
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those two funds, totaling
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Financial
Curt Financial
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Hours: 9 am - 4 pm (Monday - Thursday)
a combined reserve of 11.1
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Financial 23 Market Street Street
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Financial
Vermillion, SD 5706957069
Vermillion, SD
23 Market Street
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7 W. Cherry Street Street
percent of the total general
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23 Market 605-624-2028
7 W. Cherry
9 am - 2 pm (Friday)
Vermillion, SD 57069
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www.edwardjones.com Vermillion, SD 57069 57069
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