2 Broadcaster Press June 18, 2019 www.broadcasteronline.com A Fathers’ Day Mystery Dave Says A Course In Day Trading? Dear Dave, I was recently offered an opportunity to participate in a hands-on stock trading class. The problem is we don’t have the $6,500 registration fee just lying around. My husband and I are on Baby Step 4 of your plan, so what would you think about us borrowing that amount from our emergency fund? We would still have three months of expenses set aside after paying for the class. Camille By Daris Howard You Don’t Fake Poor Dear Dave, I’ve got a couple of friends who were advised by their financial planners not to open college savings accounts for their kids. Their planners told them this would count against their children’s ability to receive financial aid and assistance when it’s time for college. Apparently, these planners told them to put the money into their own retirement accounts. It’s my understanding, however, that both the child’s and the parent’s financial situations are looked into when determining financial aid. Can you please shed some light on this? Jeanette Cindy excitedly came into the sewing room where her mother was busy mending overalls. “Mom, guess what I got Dad for Fathers’ Day!” Janet looked up from her sewing and smiled. “My guess would be some new tool, probably a hammer.” “Oh, Mom,” Cindy said. “You have no imagination.” “Maybe not,” Janet said. “But I do know your father. And that’s what he always asks for for Fathers’ Day.” “You can get him a hammer,” Cindy replied. “I decided to be more creative. I got him some cologne.” Janet smiled. “Cologne. Really? I have bought your Dear Camille, father cologne countless times, and do you know how Dave I don’t know the exact course many times he has worn it? A big fat zero, as far as I Dear Jeanette, you’re talking about, but I do know. I have never smelled cologne on him once, and So, if a financial planner told you not to get a job know something about the conbecause then you can apply for welfare, are you going the cologne just mysteriously disappears. I figure he cept of buying and selling stocks, or day trading, if just pours it down the drain when I’m not looking.” to listen to that person? What kind of moron gives you want to call it that. I can tell you all the research “But I have one advantage you don’t have,” Cindy financial advice like this? You don’t tell people not to shows 78 to 84 percent of day traders lose money. And said. save money for something, just so they can pretend one hundred percent think they won’t be the ones “And just what would that be?” they’re poor! losing out. That includes people who take courses like “I’m his favorite daughter.” Save whatever money you can, and send your kid to the one you mentioned. “You only think that because you’re the youngest school. Why is that such a difficult concept to grasp? I have found no data points which show, on a conand the only one still at home, so he dotes on you a People need to stop looking for tricks and shortcuts, sistent level across a broad population, that people little bit too much,” Janet replied. because there aren’t any that will be beneficial in the who take a course like that become wealthy as a “Nonetheless, I think he will wear cologne if it is a long run. I’m not going to pose as broke—fraudulentresult. Buying and selling single stocks is an ultra-highgift from me,” Cindy said. ly—to get financial aid for my kid. That’s ridiculous! risk proposition. That’s why I don’t buy any single Janet shrugged. “If you can get your father to wear I hope I wasn’t unclear. stocks. Now, I know some people who buy and sell cologne, you’ll be a miracle worker. But you definitely —Dave single stocks as a very small percentage of their finanhave my blessing to try.” cial world. It’s almost like a hobby for them. A couple Janet helped Cindy find the perfect wrapping pa* Dave Ramsey is America’s trusted voice on money might actually make a little money from time to time, per for the gift. When Fathers’ Day came, Cindy could and business, and CEO of Ramsey Solutions. He has aubut it’s not the main focus of their investment stratthored seven best-selling books, including The Total Money hardly wait for her father to open it. When he did, his egy. To hear them, it’s like listening to fishing stories. Makeover. The Dave Ramsey Show is heard by more than enthusiasm and gratitude seemed boundless. They’re always talking about the one that got away. “Do you like it?” Cindy asked. 12 million listeners each week on 575 radio stations and I wouldn’t waste my money on the course, “I love this stuff,” her father replied. “It is wondermultiple digital platforms. Follow Dave on Twitter at @ Camille—especially my emergency fund money. Your ful.” DaveRamsey and on the web at daveramsey.com. emergency fund is for, say it with me, emergencies Cindy whispered an “I told you so” to her mother, only! who, in turn, whispered back, “We’ll see.” After a couple of weeks had gone by, and Cindy —Dave had not had any indication that her father had worn Get your ad in the.. the cologne, she asked her mother about it. “I don’t know, Cindy,” Janet replied. “I haven’t seen it since the day you gave it to him. Maybe it has Served at The Main Street Center & Town Square, “Meals disappeared to the same mysterious place where all Classifieds on Wheels”. Please call before 9:00am to schedule or of the others have gone.” “But do you know if he has worn it?” Cindy asked. cancel a meal at 624-7868. Menus listed below are June “I haven’t smelled it, if that’s what you’re asking,” 19th – June 25th. Menus are subject to change without CALL Janet replied. notice. All menus are served with whole grain bread The Summer Food Program At dinner that evening, Cindy asked her father if 624-4429 and 1% milk unless otherwise noted. at Jolley Elementary will be he enjoyed the cologne. ••• serving lunch Monday through Her father nodded. “Absolutely. It’s probably my Wednesday – 3oz. Meatloaf, ½ c Corn, FAX Friday from May 28th to favorite kind.” ½ Baked Potato, ½ c Fruit Cocktail, 4 oz. Apple Juice August 9th from 624-2696 After dinner, as Cindy helped her mother wash the Thursday – 3 oz. Chicken Breast, ½ c Mashed 11:00 am to 1:00 pm. ••• dishes, they talked about it. This meal is FREE to anyone Potatoes w/ Gravy, ½ c Peas and Carrots, EMAIL “Mom, how could dad say he loves the cologne, 18 or younger. For more ½ c Mandarin Oranges, 4 oz. Cranberry Juice classifieds@plaintalk.net information call 677-7000. and yet we never smell it? Do you think that he took Friday – ½ c Tuna Salad on Bun, 1 ½ c Cream ••• Menu listed below is for it to his office and only uses it at work? Is he trying to of Broccoli Save $30 on a Summer AC Tune-Up! Soup, ½ c Blushing Pears, 4 oz. Pear Juice June 19 – June 25. ONLINE impress someone there?” Monday – 3 oz. Chicken Strips, 1 c Macaroni Salad, Menus are subject to change BroadcasterOnline.com Janet smiled. “Cindy, what your father does with Sliced Tomatoes and Cucumbers, ½ c Baked Beans, without notice. cologne may be a mystery, but the kind of man he is ••• ½ c Fresh Fruit, 4 oz. Orange Juice Wednesday – Oven Roasted Just give us a call andBY isn’t. Your father is as simple of a man as there is. He DROP we’ll Tuesday – 3 oz. Corned Beef, ½ c Scalloped Potatoes, Hot Dog works hard and often says that the best men smell of ½ c Carrots, ½ c Applesauce, 4 oz. Apple Juice 201 W. Cherry, send out a qualified Vermillion Thursday – Creamy Macasweat and dirt from hard work. I’m sure he doesn’t roni & Cheese Service Technician like wear it at his job any more than he wears it here. Friday – Cheese Pizza Perhaps it’s just the thought of his daughter’s love Monday – Pork Fritter Tyler, to make sure your for him that makes it special to him.” Sandwich AC unit is ready for those Tuesday – Italian Dunkers That was not good enough for Cindy. It just ate with Marinara Dipping Sauce at her not knowing what her father did with the cohot summer South Dakota The family of Tyler Reiser logne. So she raised the issue with him again at dindays and save $30!* would like to invite friends, neighbors, and past Service Technician ner the next evening. coworkers to her 80th Birthday Celebration! “So, Dad, why is the 13 years experience cologne I gave you one of Eagles Club, 114 W Main St, Vermillion, SD your favorites?” Saturday, June 22, 2019 • 5:00 PM to 8:00 PM Her father smiled. Jean and the family request only your attendance. No gifts please. We want to thank everyone for making “Honey, that stuff takes Come enjoy refreshments, cake and fellowship and wish Jean a Happy Birthday! our 80th birthdays so special! rust off of bolts like nothing I know of. It would be Thank you to our family and friends absolutely perfect if it who attended our open house and When You Want Comfort… You Want Kalins! didn’t stink so bad, but I for all the wonderful birthday cards Vermillion: 605-624-5618 guess anything good has and wishes. *Rebate offer only available to Vermillion Light & Power customers. to have some defect.” Call for full details. And thus, the cologne Jim & Joan Olson mystery was solved. 70 years as a Premier Lennox® Dealer 98 years in the Business th 400 years of Heating and Cooling Experience RAMSEY Dakota Senior Meals Today! VERMILLION SUMMER LUNCH MENU 80 th Birthday Celebration Jean Amundson Thank You! When You Want Comfort...You Want Kalins = Southeast South Dakota’s #1 Choice! Yankton Vermillion Sioux City 605.665.4348 605.624.5618 712.252.2000 The 150 Annual kalinsindoor.com NOTICE: PUBLIC MEETING The Business Improvement District No. 2 and the City of Vermillion will be holding a public meeting on Friday, June 21, 2019 Thursday, June 20th at 7p.m. City Hall (25 Center Street) to discuss the initial Downtown Vermillion Streetscape Plan. At the meeting we will present the conceptual plan for Downtown, discuss the cost of the project and discuss the proposed method of how the project will be funded. After the brief presentation the public will have an opportunity to review the conceptual plan and ask questions about the project. Contact the City at 677-7050 with any questions regarding the meeting. FEATURING: Singer/Songwriter Chuck Suchy (2pm & 7pm programs) Dakota Ragime Trio (7pm program) Find the Right People Advertise your job openings in the Broadcaster. Smorgasbord 4:30-6:30pm Dalesburg Lutheran Church 30595 University Road, Rural Vermillion 12 miles north of Vermillion Or (if flooded) I-29 exit 42, 5.5 miles west & 4 miles south 201 W Cherry Vermillion 624-4429