2 Broadcaster Press July 30, 2019 www.broadcasteronline.com Signs of Climate Change Dave Says Time For Fun Money? Dear Dave, I had about $12,000 in debt when my husband and I got married three years ago. Since that time, we’ve been given cash gifts from my parents from time to time, and we keep having discussions on how to use this kind of money when it is given to us. I’d like to put it toward paying off debt, but he would rather treat it as fun money. What are your thoughts on this, please? I’m going to start following your plan, but I have a question. Should I catch up on my past due bills before beginning Baby Step 1? Simon Dear Simon, Go for it! You’re sick and tired of being sick and tired, and you’re going to get control of your money. I love it! First, make sure you’re up to date with necessities—food, clothing, shelter, transportation, and Dave utilities. Next, get current or make payment arrangements for any other types of debt you have, including credit cards. You mentioned Baby Step 1, which is getting Sara $1,000 in the bank for a beginner emergency fund. Baby Step 2, the debt snowball, comes next. Start Dear Sara, paying off all debts, except for your home, from If there’s something you need, and you agree on smallest to largest. Then, in Baby Step 3 you’ll save it together and choose to buy it as a couple, that’s cool. I’ve got no problem with that. But you guys are more and increase your emergency fund to a full three to six months of expenses. still just starting out, and you’ve got debts to pay. Now, you can really start looking at the future. I’m sure your husband has a good heart, but I think In Baby Step 4, you’ll start investing 15 percent it’s time for him to grow up a little and realize the importance of getting your financial house in order. of your household income for retirement. College funding for the kids, if there are any, is Baby Step 5, Did your parents have specific and reasonable and Baby Step 6 is a milestone—pay off your house thoughts on how they’d like you to use the money? If so, you should honor their intent. If not, then how early! But the real deal is Baby Step 7. This is when all it gets used is pretty much up to you guys. But in your hard work, sacrifice, and smart financial deciyour situation, life’s not a birthday party when this sions put you in a place where you can build wealth kind of thing happens. You should be making mature, responsible decisions together regarding any and give with outrageous generosity. At this point, money that comes into your household. It’s really no you’re securing your family’s future and helping others in a big way! different than a paycheck. You take care of obligations and other important things first. —Dave Adults waste money on play things and fun stuff just because it was handed to them by mom and dad. That’s how a 10-year-old behaves. Sit down * Dave Ramsey is America’s trusted voice on with your husband, and explain how important it money and business, and CEO of Ramsey Solutions. is that you guys start making better decisions with He has authored seven best-selling books, including your money. If you two start working together, you The Total Money Makeover. The Dave Ramsey Show could knock out this debt in a hurry! is heard by more than 12 million listeners each week —Dave on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the First, Catch Up! web at daveramsey.com. Dear Dave, I’ve had enough of living paycheck-to-paycheck. RAMSEY 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 July 31st – August 6th. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Wednesday – ¾ c Turkey Ala King Over Biscuit, ½ c Green Beans, ½ c Fruit Cocktail, 4 oz. Apple Juice Thursday – 3 oz. Parmesan Chicken, ½ c Spaghetti Noodles, ½ c Mixed Veggies, 4 oz. • AUTOMOTIVE COLLISION REPAIR • PAINT • FRAMEWORK • GLASS REPLACEMENT HOURS: M-F 9AM-6PM SAT 9AM-12PM 1205 CARR STREET • VERMILLION • 605.670.0471 BlainesBodyShop@gmail.com Home For Sale On Fox Run Golf Course! Cranberry Juice, 1 c Lettuce, ½ c Applesauce Friday – 1 ½ c Tomato/Macaroni Soup, Grilled Cheese, ½ c Green and Red Peppers, 4 oz. Orange Juice, ½ c Pears Monday – 3 oz. Chicken Strips, 1 c. Pasta Salad, ½ c Peas and Carrots, ½ c Strawberries, 4 oz. Apple Juice Tuesday – 3 oz. Pork Chops, ½ c Scalloped Potatoes, ½ c Broccoli, ½ c Pineapple Tidbits, 4 oz. Orange 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 31 – August 6. Menus are subject to change without notice. Wednesday – Popcorn Chicken Bites Thursday – Traditional Sloppy Joe Friday – Mini Corn Dogs Monday – Chicken Nuggets Tuesday – Hot Ham & Cheese Melt Carpentry, Decks, Windows & Doors, Re?nishing, Drywall, & Ceramic Tile Romsdahl’s Repair & Remodel 19 Years in Business 2911 Masters Ave. • $329,900 A rare opportunity to own a home on Fox Run Golf Course! You will fall in love with this 5 bedroom, 3 bath, no-step entry, ranch style home located on a quiet cul-de-sac. Built in 2011, this home boasts approximately 1,680 sq. ft. of living space on the main level with a great open floor plan. 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Free Estimates 605-670-2161 Neighbor-Hood Pump Service For All Your Water & Well Needs Harold & Tyler Niemeyer – Owners Canton, South Dakota 57013 By Daris Howard Donna, my wife, grew up in California, while I grew up in Idaho. The differences in our lives can starkly be seen in how we view the temperature. In the winter, as the temperature in Idaho gets down to zero or below, trying to get Donna to venture outside is next to impossible. In fact, anything below thirty-two degrees, freezing, pretty much puts the kibosh on her outdoor activity. On the other hand, when it’s cold in the winter, I just bundle up a little more and go out, enjoying the crispness of the air around me. Donna says “crispness” does not even come close to the feelings she has for the cold, but she is too much of a lady to say what she thinks about it. Turning things around, when summer comes, Donna can go outside and seems to feel quite comfortable in just about everything Idaho throws at us as far as heat. As for me, when the temperature gets above eighty degrees, I sweat so badly I feel like I am a walking sauna. We have our disagreements about which is worse, too hot or too cold. “Once it gets cold it’s just painful,” she says. “But in the winter, a person can always add more clothes to keep warm,” I told her. “I have never been able to add enough clothes to stay warm and still be able to move my arms and legs,” she replied. “Well, it’s worse in the summer,” I replied. “A person can only take off a certain amount without the neighbors complaining.” The discussion about global warming in the news has just made the debate more profound. I claim the weather is getting continually warmer, but she is not as sure, especially in the winter. A friend said that the proper term is not global warming, but climate change. He said in Idaho that is just another word for “seasons.” With the recent heat wave that has hit the country, the debate over the temperature has only increased in our family. I go out and work for as long as I can, but eventually I have to come in and cool off. This happens about a half dozen times per day. I also buy lots of watermelon and usually eat at least one each day. The problem with this liquid consumption is it tends to catch up to me in the middle of the night, and I get little sleep. But when I complained to my wife about the heat, which was between eighty and the mid nineties, she was somewhat skeptical. “I think I would refer to that as really warm, not hot,” she said. But there have been two things recently that have backed my point of view. The first is our cockatiel. When we let him out of his cage, he will position himself in front of the window fan when it is on, and he will stay there pretty much all day. The second thing was something we saw as we were driving. As we went past one house, in front of it was a fountain sprinkler watering the parched lawn. There are many sprinklers going this time of year, so that in and of itself was not uncommon. But what caught my attention was not the sprinkler, but what else was there. Often a person will see children running and splashing through a sprinkler, but in this one, there was a raven. He stood on the lawn about two feet from the sprinkler, with the droplets of water pouring down over him. He had his eyes half closed as if he was basking in the coolness of the water rolling off of his feathers. I pointed the bird out to Donna. “See, even that raven thinks it’s too hot.” She looked at it, and then grudgingly agreed. “Maybe it is just a bit warm.” Why Advertise When Business Is Slow... • No matter how thin the market of potential prospects is... you need your share. • When buyers spend less money... they are even more particular where they spend it. • Most small businesses are expected to cut back, but not all of them will. • Somebody WILL BUY SOMETHING... shouldn’t it be from you? • Advertising is one of the few things a business owner can control. • Companies that grow - advertise consistently. • Advertising augments your sales efforts. • One out of every five families move each year. • Studies show that when the market gets stronger, companies which advertise throughout the recession will immediately gain a larger share of the business. 201 W Cherry St Vermillion 624-4429 www.broadcasteronline.com (605) 366-5813 Installation • Sales • Service Visit http://www.yankton.net/app/html/2911masters for photos. Call or text Beth at 605-661-5561 for more information and a private showing! Willing to work with buyer’s agent. bp Since 1934 Broadcaster Press Check out our classifieds ONLINE! 201 W. Cherry St. • 624-4429 www.broadcasteronline.com PRESENTS LIVE! on the National Music Museum Stage: Presents LIVE! on the National Music Museum Stage: MARVIN GAGARIN THURS. AUG. 1st 5:30PM-7:30PM Ratingen Platz, Downtown Vermillion 201 W. Cherry, Vermillion 605-624-4429 www.broadcasteronline.com