2 Broadcaster Press December 25, 2018 www.broadcasteronline.com Dave Says Dave Ramsey That’s A Lot! Dear Dave, I’m on Baby Step 1 of your plan, and I work at a community college that takes a mandatory 20 percent from our pay for retirement. I know you say retirement contributions should be put on hold until all debt except for your home is paid off, so do you have any thoughts on this kind of system? It feels like it’s hard to get traction with getting control of my money when so much is being taken out of every paycheck. Kristi Dear Kristi, That is a lot to take out. I’ve heard of a few places that have a mandatory 12 percent contribution, but 20 percent? That’s very unusual. And it’s unusually high. I’m not sure what to tell you. I mean, you took the job. It’s what you signed up for. But if it becomes enough of an issue with your finances, you may have to decide at some point if you still want to work there. My recommendation is to begin setting aside 15 percent of your income for retirement after you’ve paid off all debt except your home, and you have an emergency fund of three to six months of expenses in the bank. At least you’re not losing the money, so it’s not the end of the world. It’s your money that’s going in there for your use some day. I don’t know the exact structure of the retirement account, but it is going toward retirement savings of some kind—and that’s important! — Dave Return Of Premium? Dear Dave, I’m thinking about signing up for a return of premium life insurance policy. It costs more per month than other policies, but it allows you to get all your money back after 30 years assuming you live that long. Is this too good to be true? Tommy Dear Tommy, It’s not too good to be true, but it is a rip off. Never buy a return of premium life insurance policy. You said it costs more than other policies, right? Well, if you were to take that extra money you’d be paying and put it into a good mutual fund, you’d get all the cost of your policy back after 30 years 100 percent of the time. Return of premium policies are just a gimmick. When it comes to life insurance, always go with a good, 15to 20-year level term policy. And always stay away from that return of premium garbage! — Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-selling 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 Little Big Town To 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 December 26th – January 1st. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Perform At The SD State Fair HURON, S.D. – The South Dakota State Fair and Legend Seeds are proud to announce that Little Big Town will be Wednesday – 3oz Ham, 1/2c Scalloped Potatoes, 1/2c coming to the SD State Fair grandstand on Saturday, Aug. 31, California Blend, 1/2c Pineapple 2019. Thursday – Creamed Chicken over Egg Noodles, 1/2c Little Big Town entered the music scene over 18 years Diced Beets, 1/2c Fruit Cocktail ago with hits like “Boondocks” and “Bring it on Home.” Friday – 1 1/2c Beef Stew, 1/2c Mashed Potatoes, 1/2c Success continued with albums “Tornado” and “Pain Killer” Peaches Monday – Oyster Stew or Chili, Cinnamon Roll, 1/2c Pears delivering #1 singles “Pontoon,” “Tornado,” “Day Drinking,” and the history-making, best-selling country single of 2015, Tuesday – No Meals (Closed) “Girl Crush.” The band recently received their third career Grammy Award for Best Country Duo/Group Performance for their multi-week #1 platinum-selling hit, “Better Man,” off their chart-topping album, “The Breaker.” Their latest album deEach year the Basin Electric Power Cooperative Scholar- buted #1 on the Billboard Country Albums chart and Top 5 on the Billboard 200 All Genre chart. In the past seven years ship Program awards more than 180 scholarships in the amount of $1000 each. Five 25 scholarships are for children they have won over 20 awards, including Grammys, CMAs, ACMs, People’s Choice awards, and an Emmy. of BEPC or subsidiary employees will be designated for “We are thrilled to bring Little Big Town to the State Fair,” qualified applicants who plan to attend a certified Vocational or Technical school, and five of 25 will be designated said Peggy Besch, SD State Fairgrounds manager. “They are for qualified applicants who plan to achieve an engineering a huge name in country music and have a long list of hits! We are excited to make this announcement before the New degree. Twenty will go to children of member cooperative Year to get people excited for fair time. There’s no time like employees and 141 to member-cooperative consumers. Clay-Union Electric will award one $1000 scholarship to a fair time!” A pre-sale on VIP tickets will begin May 21, followed by child of a member. The scholarship must be used for educabackrest holders on June 3 and June 6 for Friends of the tional costs and the student must enter college in the fall of the school year and will be distributed in August for the full Fair. General public ticket sales will begin June 10. The 2019 South Dakota State Fair will run from Thursday, amount. Applications are available on our website at www. Aug. 29, through Monday, Sept. 2. Channel Seeds Preview clayunionelectric.coop, in our office or call to request one. night will be Wednesday, Aug. 28. This year’s theme is Completed applications must be received by February “There’s No Time Like Fair Time.” For more information on 15th, 2019 and can be emailed to jwilliams@clayunioneState Fair events, contact the Fair office at 800-529-0900, visit lectric.coop, mailed to PO Box 317 Vermillion, SD 57069 or www.sdstatefair.com or find them on Facebook or Twitter. dropped off at the office at 1410 E. Cherry St. Vermillion. Agriculture is a major contributor to South Dakota’s economy, generating $25.6 billion in annual economic activity and employing over 115,000 South Dakotans. The South Dakota Department of Agriculture's mission is to promote, protect and preserve South Dakota agriculture for today and ~ Renewed Hope tomorrow. Visit them online at sdda.sd.gov or find them on ~New Opportunities Facebook, Instagram and Twitter. Basin Electric Scholarship Applications Are Now Being Accepted A NEW YEAR! ~New Adventures May This be Your Best Year Ever! Reason for Being Late By Daris Howard When eight-year-old Katherine walked into class, the teacher looked at the clock. It was almost noon. Few students came to school that late without a good reason. “Well, Katherine,” the teacher said, “would you like to tell us why you’re so late?” “A moose?” Katherine replied. “A moose?” the teacher asked, skeptically. “I can’t just write ‘a moose’ as a reason on the late slip. The secretary will think I’m crazy. What about a moose?” “Well, a moose wandered into our yard this morning,” Katherine said. “The dogs decided to chase her. They chased her a distance down the road, but then she decided she had had enough. She turned around and chased them back to the shed that was just past the house.” “Okay,” the teacher said. “But I don’t see why that made you late.” “That was only the beginning,” Katherine said. “When the moose turned to walk away, the dogs chased her again. Then, after they had gone a short distance, the moose turned and chased them back. The dogs hid in the shed, so the moose turned to walk away. But the dogs took off after her again. They went back and forth that way all morning. We watched it all through our window as we ate breakfast.” The teacher sighed, feeling that this story wasn’t getting anywhere. “But what does that have to do with you being late for school?” “Each time the dogs chased the moose, and the moose chased them back, the moose appeared to get a little bit madder. She ran after the dogs a little bit faster, and each time, she was closer on the dogs’ tails by the time they reached the shed. “After quite a bit of this, it was time for the bus to come, so we carefully checked outside to see if the coast was clear. We hadn’t seen the dogs or the moose for about ten minutes. The last we time we saw them, the dogs were hot in pursuit of the moose as she headed over the hill across from our house. “So we made our way out to stand by the mailbox and wait for the bus. We had only been there a minute or two when the dogs came running back over the hill, with the moose almost on top of them. The dogs were whining as they ran. They seemed to know they weren’t going to make it to the shed before the moose stomped them into compost. “But then the dogs saw us, and they must have thought we could save them. They headed right for us. We didn’t know what to do except to run, so we ran back to the house, screaming for Mom. Mom came out and saw us all heading for the front door, and she started screaming to scare the moose away, but it kept coming. “We all ran into the house with the moose not too far behind. We ran into the bedroom, and Mom slammed the door behind us. We all made it in, the dogs, us, and Mom. After we caught our breath, Mom said she was sure a moose wouldn’t follow us into the house, so she slowly opened the door to peek out. But the moose was right there in our living room. “The moose snorted as if daring us to come out of the bedroom, so Mom quickly slammed the door again. Just about then, the bus started honking, and one of the dogs started barking. Then he bayed at the moose as if challenging her. Mom took a pillow and hit the dog across the face. But the barking apparently made the moose mad because she started stomping our living room floor, rocking the whole trailer house. “Mom said if we could keep the dogs quiet for a while, the moose would probably leave. So we all grabbed a pillow, and the dogs seemed to sense it was better to stay quiet. Over the next few hours, Mom peeked out a few times, and the moose was still there. My brother said he thought maybe she planned to stay all winter and take control of the tv remote. But finally, when Mom peeked out, the moose was gone. Mom carefully went into the living room, looked through the window, and saw the moose in the yard. We stayed in the house and kept the dogs locked up and quiet in the bedroom until the moose left. Then mom drove us to school.” The teacher looked at the line on the tardy paper that said, “reason for tardy,” paused momentarily, then simply wrote, “a moose.” Place an ad. Make money. It works! BOB’S SINCLAIR SERVICE 200 E. Main, Vermillion 624-2731 Congrats Tanagers! 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