2 Broadcaster Press May 21, 2019 www.broadcasteronline.com Getting Tomatoes to Grow 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 May 22nd – May 28th. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Wednesday – 1 c Hamburger Stroganoff Over Noodles, ½ c Sliced Cucumbers, ½ c Peas & Carrots, ½ c Fruit Cocktail Thursday – 3 oz. Roast Beef, ½ c Mashed Potatoes w/ Gravy, ½ Broccoli, ½ c Peaches Friday – 1 ½ c Vegetable Soup, 3 oz Turkey Sandwich on a Bun, Pickle Spear, Orange Slices, 4 oz Apple Juice Monday – Memorial Day - No Meals By Tuesday – 3 oz. Salisbury Steak w/ Mushroom Gravy, ½ c Daris Howard Mashed Potatoes, ½ c Green Beans, ½ c Pineapple Tidbits My cousin Becky loves gardening about as much as I do. We often compare notes on what works and what doesn’t. “How do you do on your tomatoes?” she asked. “Oh, I do okay,” I said. Dave Says “Do you do anything special?” “Not really,” I replied. “I do usually plant them in tires so the tires heat up during the day and keep the tomatoes warm at night.” “Do you get a big crop?” Becky asked. “I get an okay crop,” I replied. “My biggest problem is I by hiring multiple advisors with different companies, so we get them going well, I keep them weeded for about half of Dear Dave, My fiancé and I just started your class, but we’re hav- won’t have all our eggs in one basket. Your thoughts would the summer, but then everything hits at once. As a scouting trouble getting our beginner be appreciated. master, I have scout camps, then the berries need picking, Marya emergency fund together. We and the peas need shelling. The tomatoes grow weedy. both work full-time, and I make They still produce well, but not as well as they could.” Dear Marya, $59,000 a year while he has “Do you ever talk to your tomatoes?” she asked. I would get one advisor, and I wouldn’t invest all my muworked in retail for several years “Not intentionally,” I replied. “Why do you ask?” tual funds in one fund. Virtually all mutual fund advisors can and makes $22,000 to $25,000. “As a girl growing up, my mother would swear that I’m trying to manage a couple of sell pretty much any mutual fund, and you can buy an array plants do better if you talk to them and praise them. I keep side jobs, but we just can’t seem of different mutual funds from different companies through my tomatoes weeded, watered, and I talk to them.” one advisor. That gives you diversification. So, there’s really to get our budget to work in a “What do you say to them?” I asked. no advantage in having multiple advisors, unless you don’t way that will allow us to save “I tell them they are very good tomatoes, and that I trust someone’s advice. And if you don’t trust someone’s anything. Can you help us? love them. I also tell them thank you for giving me food. advice, why are you working with them in the first place? Adrienne But they still don’t produce very well. Everything they I personally have one financial advisor, and I trust that give me is green and undersized.” Dave Dear Adrienne, person. Still, I ask lots of questions and make sure I under“Do you fertilize them?” I asked. First of all, your finances stand everything that’s going on with my money and the “Yes. I get a load of fertilizer from the dairy farm that is should remain separate until investment before making a decision. Why are you recomjust down the road.” you’re married. There’s shouldn’t mending this? What is it about them you like? Show me the “Maybe that’s the problem,” I said. be a “we” in terms of money at this point. You can always fund and how it compares to the S&P and other funds in the “What?” she asked. run a single budget that you both look at and prepare for same category. If you approach it this way, and again, you “You tell them how beautiful and wonderful they are, after you’re married, but right now he shouldn’t be payhave one advisor, it’s a learning process and you become a then you dump a load of cow poop all over them. I think ing your bills and you shouldn’t be paying his bills. more educated investor. Plus, after a while you can create the problem is that after you tell them all those wonderThe biggest problem I see is that he’s making no your own diversification. ful things, and then do that to them, they don’t believe a money. He needs to get a better job. He can’t pay his Never put money into something you don’t fully underword you say.” bills, and in the process, he’s sucking you dry. I’m sure stand! “Don’t you use manure on yours?” Becky asked. your fiancé is a good, hard-working man, but he needs to —Dave “Sure,” I teased. “But I don’t go extolling all of the make a serious career shift soon—like now! plants’ virtues before I douse them in it. I just do it.” In the meantime, this guy needs to take on a part-time * Dave Ramsey is America’s trusted voice on money and Becky’s daughter, Kaley, said, “He’s probably right, job or two until he gets that career shifted. It’s not really business, and CEO of Ramsey Solutions. He has authored Mom. Let me take over raising the tomatoes and see if seven best-selling books, including The Total Money Makeoa budgeting problem you’re looking at. It’s an income ver. The Dave Ramsey Show is heard by more than 12 million they do better.” issue. “Yeah, Becky,” I joked. “Maybe you smashed your listeners each week on 575 radio stations and multiple digital —Dave green thumb with a hammer and turned it purple.” platforms. Follow Dave on Twitter at @DaveRamsey and on The subject changed, and we got talking about other Diversify Advisors? the web at daveramsey.com. things. The summer went by, and I forgot all about our visDear Dave, it about gardening and tomatoes. But in the fall, I invited We’re wondering if we should diversify our investments Becky and her family up for a cookout. We were finishing up roasting hot dogs and marshmallows when the conversation turned to the harvest. “So how did your garden turn out this year?” I asked. “Quite well,” Becky said. “Especially the tomatoes.” That was when I remembered our previous conversation. “So, did Kaley take over the tomatoes like she said?” Becky nodded. “She did, and they turned out incredibly well.” “Did she talk to them, too?” I asked. Center for Financial Resources’ Homebuyer Express is free to atLast year, 48,690 lives were touched “Yes,” Becky said. “I think it’s part of our family herit(CFR’s) Homebuyer Express Class is tend and open to the public. through a variety of services offered age to talk to our plants.” provides valuable information to anyVideo conference is available for through LSS statewide. “So, what did she do differently?” I asked. one in or considering the purchase those unable to attend in-person. Core services offered by LSS “Nothing, really. Same water, same weeding, and same of a new home. Topics include: To attend by video conference, you include adoption, pregnancy counmanure. The only difference was what she said to them. personal money management; credit must register at least 24 hours in seling, foster care, kinship services, She said I was killing them with kindness, and that needed history review; mortgage financing advance. childcare & education, disaster to change.” and the loan process; shopping for a The LSS Center for Financial Reresponse, mental health counseling, home; homeowner responsibilities; sources’ Homebuyer Express series re-entry services, Center for Finan“What did your daughter say to them?” I asked. and predatory lending awareness. is made possible through a grant cial Resources, residential services “She said, ‘You tomatoes better get your act together Homebuyer Express Part One from the SDHDA Homeownership for children & youth, alternatives and produce lots of fruit or I’m pulling you out by your will be Tuesday, May 21, and Part Education Resource Organization to detention, independent living roots.’ Boy, did they produce!” Two will be Tuesday, May 28. Both (H.E.R.O.) H.E.R.O. Certificates of services for young adults, mentorclasses will be 5:30-8:30 p.m. at the Completion are issued to particiing, Better Together and Center for Downtown Library at 200 N Dakota pants after attending both parts 1 New Americans. LSS serves people of Turn Yo ur Clutter Ave. in Sioux Falls. Those interested and 2. This certificate is required all ages, races, faiths and economic can register through the calendar at for some loan products, down paylevels with professional, confidential www.LssSD.org or by calling 888-258- ment assistance, and may qualify and affordable services. i nto 2227. Pre-registration is encouraged the buyer for closing cost credits LSS services are licensed by the but not required for those attending through their title company. State of South Dakota and accredited in-person to help ensure we have Lutheran Social Services is a priby the Council on Accreditation. LSS seating for those attending in-person. vate non-profit social service agency. is a United Way agency. Lost And Overwhelmed RAMSEY Free 2-Part Homebuyer Express Class Open To All Cash! Hartington Tree LLC Carpentry, Decks, Windows & Doors, Re?nishing, Drywall, & Ceramic Tile 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 624-4429 Romsdahl’s Repair & Remodel 19 Years in Business Free Estimates Quality products, affordable prices! Call today, start tomorrow! Advertise your Garage Sale to thousands of readers! 605-670-2161 Neighbor-Hood Pump Service For All Your Water & Well Needs Harold & Tyler Niemeyer – Owners Canton, South Dakota 57013 (605) 366-5813 15% Discount on All Services • Roofing • Siding • Gutters • Decks • Windows Call Steve or Lexee Your Certified Exterior Experts 605-595-7809 Vermillion, SD • ironcladconstructionsd.com SATURDAY MAY 25, 2019 10AM TO 2PM Voluntary Safety Orientation Meeting 9:30 am 100-YARD RIFLE SHOOT 50-FOOT RIMFIRE RIFLE/PISTOL BOWLING PIN: HANDGUN ONLY $5 PER TARGET + 50/50 PAYBACK Located 1/2 mile North of Clay County Park, 3 miles West of Vermillion at 31799 460th Avenue > RAIN DATE IS JUNE 1, 2019 < Questions? Scot (605) 202-0555 or John (712) 223-0215 Installation • Sales • Service th S Class of 1979 40 Reunion VH Teachers, Staff, Friends and all VHS Alumni Please join the VHS Class of 1979 as we kick off our 40th Class Reunion at the Char Bar Friday, May24th at 5 pm