2 Broadcaster Press July 9, 2019 www.broadcasteronline.com Dave Says Helping Friends Dave RAMSEY By Daris Howard The Perfect Time? Dear Dave, I’m on Baby Step 2 of your plan, and I’ll be debt-free except for my home by the end of the year. I have a friend who is very irresponsible with his money, and he often asks to “borrow” cash between paychecks. I don’t want to be cruel, but things are getting out of hand with his requests for money. James Dear Dave, My wife and I are both 46, and we have two teenagers in middle school. We were told recently that now is the perfect time for us to buy long-term care insurance. How do you feel about this in our situation? Thomas Dear James, I think you should tell your friend the truth. Let him know you’ve decided to get control of your money, you’re trying to get out of debt, and you simply don’t have cash to spare. Be sure to do it with a kind spirit, but sometimes you’ve got to look at the big picture in these situations. You’re not really helping someone if you participate in their misbehavior and enable bad habits. Sometimes, you have to love someone enough to tell them no. Let your friend know how hard you’re working to get your finances in order, and how it’s making a big difference in your life. Maybe you could offer to show him the steps you’ve taken so far, and let him know he could be successful doing this, too. You might even try to show him how to make a monthly budget, and act as his guide and accountability partner if he’s willing to accept this kind of help. In some cases, helping someone means offering what you know they need instead of what they want. But you’re never really helping someone who’s incompetent with money by simply handing them cash. Good luck, James! —Dave Dear Thomas, No, now is not the perfect time for you guys to buy long-term care insurance. Research shows there’s about a one percent chance of folks your age needing long-term care insurance, and I generally don’t recommend insuring against things that have such a miniscule possibility of happening. Keep in mind that many factors, such as your current health and family history, could play into your decision of exactly when to buy long-term care insurance. However, I do strongly urge people to find a good long-term care policy no later than age 60. At that point, the chances of something unfortunate happening begin to rise each and every year. You could think of it as a gift to yourself and your family. Nursing home costs are astronomical these days, and care of that sort can deplete your nest egg very quickly! —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 Thursday – 3 oz. Ham, ½ c Scalloped Potatoes, ½ c Steamed Cabbage, ½ c Grapes, 4 oz. Apple Juice Friday – 3 oz. Baked Cod, ½ Baked Potato, ½ c Peas and Carrots, ½ c Blueberries and Strawberries Monday – 3 oz. Hamburger on a Bun, 3 oz. Potato Triangle, ½ c Lettuce Salad, ½ c Fruit Cocktail, 4 oz. Cranberry Juice Tuesday – 1 ½ c Goulash, ½ c Carrots, ½ c Coleslaw, ½ c Lime Jell-O w/ Pineapple, 4 oz. Orange Juice 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 10th – July 16th. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Wednesday – 3 oz. Pork Loin, ½ c Mashed Potatoes, ½ c Green Beans, ½ c Applesauce, 4 oz. Pear Juice VERMILLION SUMMER LUNCH MENU The Summer Food Program at St. Agnes Elementary will be serving lunch Monday through Friday from May 28th to August 9th from 11:00 am to 1:00 pm. This meal is FREE to anyone 18 or younger. For more information call 677-7000. Menu listed below is for July 10 – July 16. Menus are subject to change without notice. Wednesday – Super Nachos Thursday – Chicken Nuggets Friday – Cheese Pizza Monday – Oven Roasted Hot Dog Tuesday – Traditional Sloppy Joe Ten South Dakota Students Nominated by Rounds to Begin Studies at U.S. Service Academies Deadline for Class of 2024 applications due Oct. 1, 2019 PIERRE—U.S. Sen. Mike Rounds (RS.D.) today announced that ten South Dakota students he nominated to the U.S. Naval Academy, the U.S. Military Academy and the U.S. Air Force Academy have been accepted to be members of the Class of 2023 at their respective academies. He also announced that his office is currently accepting nomination applications for the Class of 2024. Applications must be submitted by October 1, 2019. The following students were nominated by Rounds and will join the 20192020 freshman class at their respective academies. U.S. Naval Academy Jack Elliott, Sioux Falls; Kyras Fort, Box Elder; Gavin West, Piedmont; Marita Schmitz, Rapid City. U.S. Military Academy Bryn Ellwein, Sioux Falls; Henry Jensen, Dakota Dunes. U.S. Air Force Academy Haley Deome, Ramstein Air Base; Aiden Diedrich, Sioux Falls; Sierra Hillard, Whitewood; Connor Hoback, Harrisburg. Each year, Sen. Rounds is able to nominate South Dakota students to the U.S. service academies. Each academy then gives full and fair consideration to these nominations when selecting applicants. Questions about the academy nomination application process can be directed to our Sioux Falls office by calling (605) 336-0486 or by emailing Academy_Nominations@rounds.senate.gov. 6 3 ????3???3???36??????? Save $30 on a Summer AC Tune-Up!  3 ???3?37??????34?3?3???35??????????3?????3???????? Just give us a call and we’ll send Quality products, affordable prices! out a qualified Call today, start tomorrow!Service Technician like Tyler, to make sure your AC unit is ready for those hot summer South Dakota “The Line ToTyler Reiser Power” days and Design/Build • Fiber Cabling • Commercial • Residential save $30!* Service Technician TODD’S ELECTRIC SERVICE Service Calls • Boom Truckyears experience 13 with Auger • Trenching 15% Serving the Beresford and Vermillion Areas Discount on All Services • Roofing • Siding • Gutters • Decks • Windows 1221 Cornell St., Vermillion, SD • 605-624-5642 201 NW 13th St., Ste. 3, Beresford, SD • 800-560-2518 One day when I was in my mid-teens, I was helping an older lady from our community. Leona was a widow and almost ninety. She lived alone and still took care of herself. But there was some yard work that was hard for her to do, so my parents would send me to help her now and then. One day when I finished the yard work she needed to have done, she offered me some lemonade. I accepted it gratefully. I wiped the sweat from my face and sat down on her step to enjoy the refreshment. She sat in a lawn chair close to me. Leona was someone who thought deeply about things, and when she spoke, what she said always seemed wise. This occasion was no different. “Daris,” she said, “do you know what I like to look at when I look at someone?” I took a sip of lemonade and shook my head. “I like to look at two things,” she said. “I like to look at a person’s hands and shoes. And do you know why?” Again, I shook my head, so she continued. “You can learn a lot about a person by their hands and their shoes. Take you, for instance. I can see that even though you are a still a very young man, your hands are brown and calloused from hard outdoor work. Your hands show scratches and scars that indicate the work you do must be quite rough. Many boys your age have hands that don’t show that kind of work.” Leona then pointed at my shoes. “I can see that you are wearing thick, heavy work boots. They are the kind with a steel toe. That indicates the work you do is tough, physical work that might entail a little danger.” She chuckled slightly as she continued. “I’m sure you ‘ve heard people say not to judge someone until you’ve walked a mile in their shoes. I say that is a good idea, because you’ve got a mile head start on them, and you have their shoes.” She smiled at me and finished by saying, “But seriously, the next time you meet someone, why don’t you see what their hands and shoes can tell you?” I noticed that Leona’s hands were wrinkled with age, and her shoes were soft, older-person shoes. As I went home, I thought a lot about what she said. A few days later was our community Fourth-ofJuly breakfast. As I ate, my mind was drawn to what Leona said, and I started looking at people’s shoes. Most of the farm boys in the community had heavy work boots like mine. But many of the young men who lived in town wore softer tennis shoes. There were ranchers in cowboy boots. There was a banker wearing shiny black dress shoes. There were women in high heels and others in sensible loafers. Some families with little money had shoes that were old and worn. Some shoes were meant to work hard, others were for play, and still others were for dressy occasions. The more I observed, the more diversity I saw. As we ate breakfast, the speaker talked about this great country and how it was built by people from every continent and every background coming together in a common desire for freedom. He said our differences made us strong and resilient, and our similarities made us united. I thought about how the differences in who we were could be seen in something as simple as the types of shoes we wear. It has been many years since Leona talked to me about shoes. She long ago passed from this life, but what she shared with me still lingers in my thoughts. It helps me to consider both the differences and similarities I share with people I meet. It also reminds me that those differences need not be hurdles to harmony, but instead can add variety to friendship. But most of all, it helps me to consider what it might be like to walk for a time in someone else’s shoes. Welcome Home Ceremony Scheduled For Rapid City Soldiers RAPID CITY, S.D. - A welcome home ceremony for 26 Soldiers with the South Dakota Army National Guard's Detachment 1, Company B, 935th Aviation Support Battalion is scheduled for Sunday, July 21, at 2 p.m. at the Army Aviation Support Facility near Rapid City Regional Airport. The public is encouraged to attend the event as the Rapid City-based unit returned home in May after a nearly year-long deployment to the Middle East. While deployed the unit provided aviation maintenance and repair support for U.S. Army rotary aircraft and avionics systems. Planned speakers for the ceremony include Gov. Krisi Noem and Maj. Gen. Jeff Marlette, SDNG adjutant general. When You Want Comfort...You Want Kalins When You Want Comfort… You Want Kalins! Get your ad in the.. Vermillion: 605-624-5618 *Rebate offer only available to Vermillion Light & Power customers. Classifieds Call for full details. Call Steve or Lexee Your Certified Exterior Experts 605-595-7809 1-800-560-2518 Shoes Vermillion, SD • ironcladconstructionsd.com 70 years as a Premier Lennox® Dealer 98 years in the Business 400 years of Heating and Cooling Experience = Southeast South Dakota’s #1 Choice! Today! Yankton Vermillion Sioux City 605.665.4348 605.624.5618 712.252.2000 kalinsindoor.com CALL: 624-4429 or FAX: 624-2696 EMAIL: classifieds@plaintalk.net ONLINE: BroadcasterOnline.com DROP BY: 201 W. Cherry, Vermillion