2 Broadcaster Press August 13, 2019 www.broadcasteronline.com Theatre and Friends Dave Says Insurance Above and Beyond? Dear Dave, When it comes to buying life insurance, should the coverage amount be based solely on current earnings? I have good reason to believe my income is going to increase significantly soon. Wesley Dear Wesley, The purpose of life insurance is to take care of your family if something unexpected happens Dave to you. You don’t want to buy too much, but you should have enough to ensure that they’re well taken care of when you’re not here any longer. I usually recommend people have 10 to 12 times their annual income in a good, level term life insurance policy. However, if you have a solid reason to believe your income will be jumping significantly soon, there’s nothing wrong with basing your coverage amount on that figure—if you can afford it, of course. Understand that when I say, “solid reason,” I’m not talking about a hopeful attitude. I’m talking about something along the lines of finishing a medical residency, then making the jump to a six-figure income. That’s the kind of logical thinking and planning I’m working with here. In that scenario, or something similar, a huge jump in income is virtually assured. Great question, Wesley! —Dave RAMSEY Term Life Insurance, Too? Dear Dave, My husband and I are wondering if we need term life insurance policies. We both have accidental death and dismemberment coverage provided free of charge By Daris Howard through our employers. Do we need additional coverage? Rebecca I had been helping run the lights for a theatre production in a neighboring community when my wife, Donna, saw a Facebook posting. It was a community events page in one of the sites that she often checks. Dear Rebecca, Yes, you both need to find good level term life insur- She saw that there was a posting about a musical that was getting close to production and needed some ance immediately! Accidental death and dismembermore men. ment policies are nothing but gimmicks. You need to Donna and I have directed plays in our small rural make sure your family is taken care of in the very best community in the summer and know how hard it is to way possible, no matter how you die. get men. Many of them are farmers or are in some way You should always have life insurance coverage connected to agriculture, and there are not enough that’s separate from anything an employer may offer. Think about it. You don’t want to suddenly lose cover- hours in the day in the summer for the work they need to do. Once, when we were producing The Music age if you change jobs, or have to leave your place of Man, all the men we asked to play Harold Hill turned work because you’re diagnosed with a major medical us down. They were willing to take a small part, but condition. not the lead. I ended up playing the part, along with Both of you need 10 to 12 times your yearly inbuilding the set, helping direct, and doing everything comes in good, level term life insurance. If you make I could on the production. Because of these previous $50,000 a year, that means you need $500,000 to $600,000 in coverage. Remember, the idea of life insur- challenges when we have been the directors, Donna ance is to take the place of income. If one of you died, suggested that I help answer the post. “But I am just finishing work on the other musical the other could invest the insurance money, make 10 and was looking forward to some time to myself this percent on that money over time with good mutual summer,” I said. funds, and replace any lost income. “But just imagine if it were us directing again,” she Term life insurance is very affordable. For just a few dollars a month you can leave your loved ones in great said. “Wouldn’t you appreciate having someone come help?” financial shape after you die! I had to admit that I would. And having been —Dave through that challenge, I finally agreed to help. “But tell the director I am not necessarily looking for time on stage and would be happy with as small of a part * Dave Ramsey is America’s trusted voice on money as possible.” and business, and CEO of Ramsey Solutions. He has auThe director was happy to have me join them and thored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than immediately brought me a script. I was not able to attend a lot of practices until the other musical finished, 12 million listeners each week on 575 radio stations and but I worked on my lines and music. I had one song multiple digital platforms. Follow Dave on Twitter at @ that was particularly hard that I had to sing. DaveRamsey and on the web at daveramsey.com. When the first musical finished, and I started practices in the new one, I realized how far behind I was. I recorded the songs and my lines and listened to them all day for days while I worked. Finally, I started getting them down and could put my script away. Then Green Beans, ½ c Strawberry Jell-O w/ Fruit, the director wanted to add the dance. I couldn’t seem 4 oz. Orange Juice to dance and remember what to sing at the same time, Friday – 1 ½ c Taco Salad, 3 oz. Meat, Black Beans, Cheese, and I messed up a lot. Lettuce, Tomatoes, Onion, ¾ c Tortilla The director recorded us doing the different num Chips, ½ c Ice Cream, 4 oz. Apple Juice bers and posted them to YouTube. “Your assignment,” Monday – 3 oz. Chicken Breast, ½ c Mashed Potatoes, ½ c she said to all of us, “is to go home and watch your Asparagus, ½ c Pineapple, 4 oz. Orange Juice selves and see what problems you have.” Tuesday – 3 oz. Ham, ½ Scalloped Potatoes, ½ c Carrots The next day she asked if we had done what she and Peas, ½ c Peaches, 4 oz. Apple Juice requested. I was one of the few who had. “And what did you learn?” she asked. “I learned that I really look fat on stage,” I said. She laughed slightly. “But didn’t you learn anything about how you’re performing the numbers?” “No,” I replied. “I couldn’t get past how fat I look.” Save $30 on a Summer AC Tune-Up! org. Well, I finally did learn the numbers and worked This program is designed to provide information, hard to perfect them to the best of my ability. But the training, and skill building so those who participate may main thing I gained was a lot of good friends. Unforobtain the most appropriate state-of-the-art services for tunately, in the other production, being in the light Just give us a call and we’ll themselves and others. Application deadline is Sept. 25. booth, almost no one knew me, and I made few friends. send out a over 625 Partners in Policymaking has qualifiedgraduates in Most of the people in the production thought I was a South Dakota and over 35,000 nationwide. There is NO parent of someone in the cast. The few times I tried Service Technician like COST associated to the participant for attending the to visit with others, they would remind me parents Tyler, to make sure your training sessions. Mileage and meals to and from the weren’t supposed to be backstage. When I told them I training site, as wellAC unit is ready for those as expenses while at the training was the person running the lights, one said, “Oh, are (lodging and meals),hot summer South Dakota respite care and attendant servic- you the one the director yells at?” I had to admit that Tyler Reiser es (when applicable) will be partially covered. the only time I heard my name yelled through the audays and save $30!* by grants Service Technician when something on the lights needed to The training initiative is funded in part ditorium was from the SD Council on Developmental Disabilities, SD 13 years experience be fixed. Parent Connection, and Center for Disabilities at SanBut as the second production came to an end, I reford School of Medicine of alized that the true value of being in something like USD. It is facilitated by a musical production is in the good friends and good Disability Rights South Da- memories a person makes. Nothing else really matters kota. or is really long-lasting. 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 August 14th – August 20th. 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 Company Potatoes, ½ c Carrots, ½ c Grapes, 4 oz. Cranberry Juice Thursday – 3 oz. Swedish Meatballs, ½ c Egg Noodles, ½ c Partners In Policymaking Application Deadline Draws Near Partners in Policymaking is a leadership-training program for self-advocates and parents of children with disabilities. It provides state-of-the-art knowledge about disability issues and builds the competencies necessary to become advocates who can effectively influence system change. The training will change your life. 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