2 Broadcaster Press December 3, 2019 www.broadcasteronline.com Dave Says Landlords and Duplexes Dear Dave, I’m 23, debt-free, and I’ve almost got my fully-funded emergency fund in place. I was curious about your thoughts on saving up money to buy a duplex, living on one side, and renting out the other. It would be my first home purchase, and my first rental property. Derrick get ready to sell a duplex, most of the time your buyer is an investor. This means you’re dealing with a wholesaleminded buyer, and that tends to hold prices on duplexes down more than it would a comparable, traditional, single-family home. On the other hand, the cute, young couple looking to buy a perfectly-staged and freshly painted home is usually more than willing to pay full retail. I’ve owned several duplexes in my life, but I’ve always done much better with single family homes. They’re easier to rent, they tend to stay rented more consistently, and as a rule, they appreciate faster. Just know your upDear Derrick, sides and your downsides if you’re planning on moving Well, the good news is your into a duplex and doing this. And be very careful about Dave renter would be right next door. your location. You’ll come out much better mentally, You can keep an eye on things. The emotionally, and financially in an area where homeownbad news? Your renter would be ers take pride in their neighborhood! right next door. It would be a necessity to have very clear —Dave boundaries in your relationship. Otherwise, some people will come knocking on your door at midnight expect* Dave Ramsey is America’s trusted voice on money and ing you to change a light bulb or something silly like business, and CEO of Ramsey Solutions. He has authored seven that. The trick to being a good landlord, especially for a rookie, is learning how to balance being firm with people, best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners while still being fair and kind. Another thing to consider is the purchase of a duplex each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at in general. The upside is you’ve got someone helping daveramsey.com. pay the bill when it’s rented. The downside is when you RAMSEY Disaster Unemployment Assistance Available PIERRE, S.D. – The Department of Labor and Regulation (DLR) is accepting applications for Disaster Unemployment Assistance (DUA) as a result of the Presidential Disaster Declaration, FEMA DR-4469. Workers who lost their jobs and self-employed individuals and farmworkers who have been unable to work due to the severe storms, tornadoes and flooding that occurred Sept. 9-26, 2019, may be eligible for benefits. DUA is available for individuals in Brookings, Charles Mix, Davison, Hanson, Hutchinson, Lake, Lincoln, McCook, Minnehaha, Moody and Yankton counties and the Flandreau Santee Indian Reservation and the Yankton Indian Reservation who: Do not qualify for regular state unemployment benefits in any state; Worked, were self-employed or were scheduled to begin work or self-employment, but were unable to do so because of the disaster; Can no longer work or perform services because of physical damage or destruction to the place of employment as a direct result of the disaster; Cannot reach their place of employment or self-employment location because they must travel through the disaster area and are prevented from doing as a direct result of the disaster; Have been prevented from work or self-employment because of an injury as a direct result of the disaster; Establish work or self-employment they can no longer perform was their primary source of income; or Have become the breadwinner or major supporter of a household because of the death of the head of the household. Individuals whose employment has been affected should apply for DUA by calling the Claims Call Center at 605-626-3179, Monday through Friday from 8 a.m. to 4:20 concerts. Single loud sounds like gunfire at about 150 dB p.m. CST. Please specify your claim is related to DUA and can also be damaging, but the time exposed to lower vol- the storms. umes are the most significant and unrecognized danger Applicants will need their Social Security number; we face daily. copies of their most recent federal income tax forms A recent social trend has created a new threat. Tunor check stubs; and documentation of employment, ing out the world with ear buds, while turning up the self-employment or prospective work when the disaster tunes for hours, can be like riding on the two-cylinder occurred. To receive DUA benefits, all required documenJohn Deere tractor with no cab all day while cultivating tation must be submitted within 21 days from the day the corn. Those old two-cylinders were loud, and so it can DUA application is filed. be with ear buds! Ear bud volumes at 100 dB for as short Claims must be filed by Thursday, Dec. 26, 2019, to be as 15 minutes can damage hearing. Again, it’s the volume considered timely. Any claims filed after this date will be multiplied by time that makes it so bad. One study considered untimely unless the individual provides good showed that 97 percent of third graders had documented cause for filing after this date. The first possible week of exposure to hazardous sound levels. Another showed compensation for DUA purposes is the week ending Sept. that 12.5 percent of 6 to 19-year-olds in the U.S. already 21, 2019. The last possible week of compensation is the had hearing loss directly attributed to noise exposure. week ending May 23, 2020. What’s more, if the volume is too loud, ear buds can Services are available through the DLR job service be even more dangerous as they may prevent us from offices to provide and facilitate support, education and hearing the noises that help us avoid danger. For examtraining to individuals seeking employment in South ple, walkers, runners, and bicyclists need their ears to Dakota. All programs and services are provided at no hear when a truck might be coming from behind. charge. More information is available at sdjobs.org. Of course, it isn’t just noise that can reduce our hearing. Infections, trauma, and even medications like antibiotics, chemotherapy drugs, or pain medications can do it too. Seek medical help if you notice your hearing is changing. The bottom line: Protect your ears by avoiding exposure to too much noise, get help if your hearing changes and beware of ear bud risks. Your opinion is something Noise Induced Hearing Loss…What’s That? By Richard P. Holm, MD Of the 40 million people with hearing loss in the U.S., 25 percent of those, or 10 million, have lost their hearing as a result of exposure to excessive noise. But how much noise is too much? Measured as decibels (dB), the acceptable manufacturing noise standard is to allow a daily exposure up to but not over 85 dB in an eight-hour period. More than that can cause permanent injury to our hearing. This is likely due to wear and tear on the tiny hairs that vibrate when sound is introduced. It’s like a line of kids walking across one path on the grass day after day. A little is good, too much kills the grass. The average conversation, for example, is usually around 50-60 dB, street noises at 70-80, and an operating lawnmower at about 90. Noise levels above 90 come from surprising places like screaming babies, convertibles driving at 60 mph, marching bands, leaf blowers, hand and hair driers, and those noisy electronically amplified We’re all ears. Richard P. Holm, MD is author of “Life’s Final Season, A Guide for Aging and Dying with Grace” available on Amazon. For free and easy access to the entire Prairie Doc® library, visit www.prairiedoc.org and follow Prairie Doc® on Facebook featuring On Call with the Prairie Doc® a medical Q&A show streaming on Facebook and broadcast on SDPTV most Thursdays at 7 p.m. central. Breakfast With Santa Mon.-Fri. 1pm-5:30pm Sat-Sun 9am-5:30pm Choose & Cut Your Tree Saturday, December 7, 2019 9 a.m.-Noon • Balsam Fir • Black Hills and Colorado Blue Spruce • Scotch Pine • Fraser Fir We sell the World’s Greatest Tree Stand St. Agnes School 909 E. Lewis St., Vermillion, SD Open To The Community • French Toast Breakfast • • Pictures with Santa • • Kids Crafts & Activities • • Only $5 per person • Shop for gifts or for yourself in Sant’a’s Workshop featuring local vendors 4 Miles East of Yankton on Hwy 50 Turn South at our Sign 605-665-4726 2019 Vermillion Holiday Stroll ••• Thursday, December 12th • 5 p.m. to 8 p.m. Stop by these local businesses for dining specials, treats, beverages, and sweet DEALS on your holiday shopping must-haves! • Davis Pharmacy • Blue Monarch • Vermillion Eagles Club • Sharing the Dream • Carey’s • Indigo & Calm • The Bean • Hartford Steakhouse • Old Lumber Company • Red Steakhouse • Thread & Ink • Nostalgia Vintage • Coyote Twin Theater 201 W. Cherry •Vermillion, SD 57069 605-624-4429 • classifieds@plaintalk.net Brady Christmas Tree Farm 8th Annual •••• we always want to hear. Questions? Call, write us or contact Comments? us via e-mail and let us Story Ideas? know how we are doing. • Charlie’s • Vermillion Area Chamber & Development Company • The Antique Shoppe • Treasure Trove • Dakota Brickhouse • Candie’s Couture • Milan Nail Studio • Willson Florist • Wynie Mae’s • Vermillion Area Arts Council #shoplocal #LOVermillion Vermillion Area Farmers Market Holiday Markets Clay County Extension/ 4H Building • 515 High St. 10:00am - 2:00pm Extended Holiday Hours December 7th and 21st Get Your Holiday Turkey, Ham, Duck or Roast! Plus produce, coffee, honey, crafts, baked goods, soaps, holiday wreaths and decorations, candies, and so much more! Buy Tickets Early For Our Silent Night Auction On December 12th 1st Ever For Our alk On Join Us Cake W Market ember 7th Dec m at 10:30a Vermillion Area Farmers Market www.vermillionfarmersmarket.org 605-857-3213 We accept Debit Cards, SNAP and EBT