2 Broadcaster Press June 4, 2019 www.broadcasteronline.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 June 5th – June 11th. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Wednesday – 3oz. Pork Chop, ½ Baked Potato, ½ c Green Beans, ½ c Strawberry Jell-O, 4 oz. Apple Juice The Unusual Date Thursday – 3 oz. Hamburger Steak w/ Mushrooms, ½ c Mashed Potatoes, ½ c Corn, ½ c Peaches, 4 oz. Orange Juice Friday – 1 ½ c Chili, Grilled Cheese, ½ c Mandarin Oranges, By Carrot Sticks, Celery Sticks, Tomato Slice Daris Howard Monday – 3 oz. Chicken Strips, ½ c French Fries, ½ c Coleslaw, ½ c Apricots, 4 oz. Apple Juice Joe, my roommate, and his fiancée, Rochelle, came Tuesday – 1 ¼ c Spaghetti, ½ c Meat Sauce, ½ c Green Beans, ½ c Pineapple, 4 oz. Orange Juice into our apartment. Rochelle came into the kitchen Dave Says Re-Fi Now? Dear Dave, I recently started following your plan, and I’ve looked into refinancing the home I bought five years ago to free up more money to put toward paying off debt. My interest rate is 3.625 percent, along with a private mortgage insurance payment of $200 per month. This makes my mortgage payment $2,700 a month, and I owe $325,000 on the house. I was offered a re-financing plan that included a monthly payment of $2,576 with no PMI, but the interest rate would be 4.6 percent. What do you think? Dave Phil RAMSEY Dear Phil, You don’t need to refinance with those numbers. You’d be going up more in terms of interest rate than you’d save with no PMI. The only reason the payment is going down is that you’d be agreeing to stay in debt longer. Now, if you could’ve lost some of that interest rate, and gotten rid of the PMI, that might have come close to making sense. But, even that might not have worked in the end, because you’d have closing costs associated with the deal. There’s no way this deal is a good idea. You’d essentially be going up a full percentage point in terms of interest, and all you’d really be doing is resetting, or re-casting, the loan. Basically, you’d be starting over on the loan. That’s why the larger payment and PMI would go away, but you’d have a significant increase in your interest rate. Where you’re at right now is fine, Phil. You’re off to a good start, so just keep on moving forward with getting out of debt and gaining control of your finances! —Dave Watch Out… Dear Dave, My wife and I are completely debt-free, and we have a full emergency fund in place. We bring home around $110,000 a year combined, and we are both maxing out 401(k)s at work. We each just opened additional IRAs, as well. At this point, we want to start setting aside $30,000 a year for a few years as savings to help buy a home. With all this in mind, what do you think about the idea of vintage watches as an investment? I work with a high-end retail company, and I’ve noticed certain sports watches have been doubling or even tripling in value over time. Would it be okay to spend around $5,000 on a vintage watch now, or should I wait until we’re in even better financial shape? Mike Dear Mike, Yeah, you could do that. Just make sure you look at it the right way. It would be a hobby, not a real investment. I have a friend who has collected a few thousand bottles of wine over the years. The value of most of them has gone up since he bought them, but it’s not part of his investment strategy. So, if you buy a $5,000 watch in your situation, that’s okay. Just don’t go nuts and buy 10 of them, you know? What we’re talking about here are collectibles. It could be the first step in building a collection of fine watches over the years. You could do the same thing with cars, but don’t make them part of your investment strategy. Treat them like consumption items, things you can afford to spend money on and enjoy. Then, if they happen to go up in value, it’s icing on the cake! —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. Ag Summit Features U.S. Deputy Secretary Of Agriculture And Next Generation Panel PIERRE, S.D. – The South Dakota Department of Agriculture today announced two headline items for the 2019 Governor’s Agriculture Summit: a keynote address by Stephen Censky, the Deputy U.S. Secretary of Agriculture, and Governor Kristi Noem’s Next Generation of Agriculture panel. Deputy Secretary Censky will be the keynote speaker on July 10, discussing timely topics in agriculture and providing updates from the U.S. Department of Agriculture. Censky grew up on a soybean, corn and diversified livestock farm near Jackson Minnesota. He obtained his B.S. in Agriculture from South Dakota State University and received his postgraduate Diploma in Agriculture Science from the University of Melbourne, Australia. Governor Noem will be hosting the Next Generation of Agriculture panel on July 11. The next generation is vital to the continued success of agriculture in South Dakota. Therefore, Governor Noem is excited to welcome four up and coming agriculturalists to discuss the opportunities and challenges that they face as the next generation. These panelists include Calli Williams, a Livestock and Farm Sales Producer for Fischer, Rounds & Associates and first-generation cow-calf producer; John Eilertson, an animal science major at South Dakota State University; Logan Wolter, an ag business major at Mitchell Technical Institute; and Taylor Mc Martin, the SD 4-H Ambassador Treasurer and senior at West Central High School. The summit will be held July 10 and 11 at the Denny Sanford Premier Center in Sioux Falls, S.D. The event brings together leaders in business, finance, education, government and production agriculture to demonstrate agriculture's comparative advantages and discuss ways to harness the industry's potential for economic development. The summit is open to anyone who is interested in the ways agriculture impacts South Dakota. Registration is required and is open through June 28. For more information and to register, go to www.sdagsummit.com. There is no cost to attend. For those unable to attend in person, a live web stream of the event will be available at www.sdagsummit.com. 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 tomorrow. Visit us online at http:// sdda.sd.gov or find us on Facebook, Instagram and Twitter. where I was. “Daris, would you be willing to go out with my sister?” she asked. “Is she going to school here?” “No,” Rochelle replied, “but she is coming with my parents to visit me. I just thought it would be nice if she had a date so she could feel comfortable going to the big concert on Friday with my parents and Joe and me.” “Sure,” I said. “I’d be happy to go with her.” “When they get here tomorrow, I’ll bring her over to meet you,” Rochelle said. Rochelle went back to be with Joe, and I went back to my studies. The next day I was busy with classes, homework, and wrestling. I had forgotten about meeting Rochelle’s sister by the time I got back to the apartment. Another roommate, David, stopped me as I came in the door. “Hey, Daris, could you possibly do dishes for me tonight? I’ve got a big date. I will do them for you on your turn.” “Sure,” I said. “I don’t have anything but studying tonight. I’ll get started right away.” David thanked me and left. I filled one sink with wash water, soap, and dishes. I filled the other sink with rinse water. I rolled up my sleeves and had been busy working for a while when I heard Rochelle’s voice. “Can I come in?” “Sure, Rochelle,” I replied. “I’m back here in the kitchen. I think I’m the only one here.” Rochelle came walking into the kitchen. Right behind her was a girl that looked a lot like her but was slightly shorter and someone more athletically built. Suddenly, I remembered I was supposed to meet Rochelle’s sister. I looked down at the front of my clothes, with water on them. I looked at my arms with soap to my elbows. I thought the timing couldn’t have been worse. Rochelle didn’t even try to hold back her grin. “Daris, this is my sister, Mauren.” I washed the soap off my hands and arms and dried them. I sheepishly held out my hand. “Nice to meet you.” Mauren didn’t shake my hand for a moment. I couldn’t tell what the expression on her face was. Was she disgusted, angry, annoyed? I just couldn’t tell. But there seemed to be a slight grin behind her austere facade. Just as I was about ready to drop my hand back to my side, Mauren took it in hers. But then she looked me in the eye and squeezed really hard until she let go. Still, she never said anything. Mauren silently kept her frozen stare locked on me as Rochelle and I visited for a little while, then the two girls left. The next day was the big concert, and Joe had purchased all of the tickets. When Joe, Rochelle’s father, and I went to meet the ladies, everyone seemed excited except Mauren. As we walked to the concert, I tried to get her to talk by asking her questions about herself. Sometimes she would answer yes or no, but mostly she ignored me altogether. After we took our seats, I tried again to engage her in conversation, but she stayed quiet. Finally, just when I was ready to give up, she turned to me with an angry expression on her face and poked me in the chest. “Look, you. I didn’t want to go out with you. That was my sister’s idea. But there are two things I hate: men and athletes. And from my sister, I learned you’re both. So I also hate you, so just zip it!” I knew that as loud as Mauren said it, all of the others had to have heard. I glanced at them. Only Joe seemed as shocked as I was. The girls’ parents grinned, but purposely seem to ignore the outburst, and instead talked about the concert. Rochelle kind of grinned and shrugged. That confused me, too. It wasn’t like Rochelle to set me up for failure. To be continued... We’ve Spotted A better way to buy, sell or rent! Connect with area landlords, renters, home buyers and home sellers with the Broadcaster classifieds! bp Since 1934 Broadcaster Press • AUTOMOTIVE COLLISION REPAIR • PAINT • FRAMEWORK • GLASS REPLACEMENT Mike Manning Broker Associate/REALTOR® cell: 605.670.1236 • office: 605.624.4474 mikedmanning@hotmail.com Dakota Realty • 125 E. Cherry St. • Vermillion, SD 57069 • dakotarealty.com Saturday Markets Start June 1st Quality products, affordable prices! Call today, start tomorrow! Saturdays 9:00am – 12:00pm Thursdays 3:00 – 7:00pm Clay County Fairgrounds Vermillion Area Farmers Market www.vermillionfarmersmarket.org 605-857-3213 We accept debit and EBT benefits. 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