Broadcaster Press 9 June 21, 2016 www.broadcasteronline.com Dave Says BY DAVE RAMSEY You’re Self-Insured keep a good health insurance policy in place, because a hospital stay can eat your savings alive. I hope you have long-term care insurance, too. Good question, Anna. You guys have done a great job with your money! Courtesy of EveryDollar.com Mark Dear Mark, This sounds more akin to a partnership than a stock. Basically, you’d be a minority shareholder in the business. That means zero power. Whatever money you put up could be lost, because the people running this business could decide to close up shop and you’d be powerless to stop it. To me, this is way too scary. You’d be making a $300,000 investment that has no liquidity and that you can’t sell on the open market. I’d want to see at least 30-percent return on my capital in a situation like this, so I wouldn’t risk my money. Keep your good job, but politely decline this shareholder offer. That’s my advice. 4,100-plus UNL students named to Deans' List/List of Distinguished Students More than 4,100 University of Nebraska-Lincoln students have been named to the Deans' List/Explore Center List of Distinguished Students for the spring semester of the 2015-16 academic year. Qualification for the Deans' List varies among the eight undergraduate colleges and the Explore Center. Listed below are the minimum requirements for each entity and the name of its respective dean or director. All qualifying grade-point averages are based on a four-point scale and a minimum of 12 or more graded semester hours. Students can be on the Dave —Dave Deans' List for more than one college. • College of Agricultural Sciences and Natural Resources, 3.75; Dean Steven F. Waller. Becoming a • College of Architecture, top 10 percent of the students in Holder Dear Anna, the college; Interim Dean Scott Killinger. At 82 and 65, you probably won’t be • College of Arts and Sciences, 3.7; Dean Joseph Francisco. Dear Dave, able to get any more insurance at a de• College of Business Administration, 3.6; Dean Donde —Dave In 15 months I’ll be able to buy in as a cent price. If you get rid of it, you’re going Plowman. shareholder of my firm, about 1.5 percent to be without it. The good news is that • College of Education and Human Sciences, 3.75; Interim of the company. I make $100,000 annuyou have enough money through your EveryDollar is a simple, online budgally, and it will cost me three times my pensions, investments, and savings to be eting tool that helps users set a monthly Dean Beth Doll. • College of Engineering, 3.5; Dean Tim Wei. income, but it could increase my income what is known as “self-insured.” budget and seamlessly track expenses. • College of Journalism and Mass Communications, 3.7; If I’m in your situation, I’d drop the life by as much as $40,000 a year. I know that For more information, go to www.everyDean Maria Marron. you discourage single-stock investing, but dollar.com. insurance policies and pay off the house do you think this is a good idea? as quickly as possible. Make sure you • Hixson-Lied College of Fine and Performing Arts, 3.7; Dean Charles O'Connor. • Explore Center for undeclared, pre-engineering, prehealth and pre-law students, 3.6; Director of Undergraduate Education Nancy Mitchell. The following area students have been named to the Potato, Green Bean Amandine, Crunchy Served at The Main Street Center & Deans' List/Explore Center List of Distinguished Students: Cranberry Salad Vermillion: Blair Nicole Gilkyson, senior, Dean's List, ColTown Square, “Meals on Wheels” Thursday – Hot Pork and Cheese Sauce lege of Education and Human Sciences, textiles, merchandisPlease call before 9:00am to schedule Sandwich, Potato Rounds, Beets, Peaches ing and fashion design (merchandising). Friday – Cinnamon Oatmeal Pancakes, or cancel a meal at 624-7868. Vermillion: Sarah Signe Hughes Berheim, junior, Dean's Sausage Patty, Very Berry Salad, Tomato List, College of Arts and Sciences, psychology. Menus listed below are Juice Spiced Carrots, Ruby Beet Salad, Mixed The Summer Food Program Vermillion: Christopher Alan Lubbers, senior, Dean's List, Fruit at Jolley will be serving lunch June 22 - June 28. Menus are subject College of Arts and Sciences, chemistry. Monday – Hot Beef Sandwich, Mashed Monday through Friday from Vermillion: Christopher Alan Lubbers, senior, Dean's List, to change without notice. All menus are Potatoes and Gravy, Green Beans, Peaches, May 31st to July 29th from College of Engineering, chemical engineering. Vanilla Ice Cream served with whole grain bread and 11:00 am to 1:00 pm. This Tuesday – Cider-Braised Pork Chop with meal is FREE to anyone 18 or 1% milk unless otherwise noted. Vegetable Mix, Macaroni Salad, Broccoli and younger. For more informaWednesday – Liver and Onions, Baked Cauliflower, Cooked Apples tion call 677-7000. Menu listed below is for June 22 - June 28. Menus are subGet your ad in the.. ject to change without notice. TREE TRIMMING, REMOVALS & TRANSPLANTING Wednesday – Hot Dog, TREES FOR SALE BBQ Beans, Chocolate Chip Cookie Classifieds EVERGREEN • SHADE • ORNAMENTAL Thursday – Taco in a Bag, By Rep. Kristi Noem Yankton 605-260-1490 Green Beans Hartington 402-254-6710 Friday – Pizza, Golden Corn You have to do a double take when you get a letter like CALL: 624-4429 or FAX: 624-2696 Monday – Baked Chicken Serving Southeast SD & Northeast NE for 20 Years this: “My name is Maggie Einrem. I am a 36 year old breast EMAIL: classifieds@plaintalk.net Nuggets, Baked Tater Tots Kent & Kyle Hochstein • Licensed Arborists cancer survivor.” Wow, a survivor – at 36. ONLINE: BroadcasterOnline.com www.hartingtontree.com Tuesday – Soft Shell Tacos, Maggie, a mother of two from Watertown, was only 34 DROP BY: 201 W. Cherry, Vermillion Refried Beans, Sugar Cookie when she received the diagnosis. She wrote: “I had no warning signs, never even thought that breast cancer could affect me. Naïve, I know, however, it was not something that I had worried about…. At the ripe old age of 34, I found a lump. Not thinking it was anything serious, I just let it go for a couple of months.” She was a busy mom and the to-do list was already busting at the seams. But by June of that year, the lump had grown. She received an ultrasound and a mammogram. Less than a month later, Maggie was in surgery and so her battle began. ALL TYPES OF DIRT WORK - FREE ESTIMATES “I made it through eight rounds of chemo and 36 radiaBobcats • Crane • Dozers • Excavators • Grader tion treatments,” Maggie wrote, “worked eight hours a day, Grain Trailer • Scrapers • Side Dumps • Trenchers raised two kids (ages 3 and 9), put supper on the table Irrigation Sales & Service every night…. I knew if I stopped to think about everything, Irrigation PVC, Wire Installed, Well Drilling I would lose it and go into a very dark place. So I put on a Domestic & Irrigation Pump Installation Vermillion, SD (605)670-9567 smile, lost all my hair, had burned skin, numerous surgeries, WATERLINE & ELECTRIC TRENCHING and felt like junk every day, but I kept going.” Hartington, NE (402)254-2568 Tree & Concrete Removal, Site Clearing, Not only did Maggie keep going in her own fight, she & Ditch Trenching Licensed in SD, NE & IA began to reach out to help others with theirs. She’s become an activist even within her own family to make sure that all the women receive annual mammograms and that the men do self-checks. She made a blanket for a co-worker that was diagnosed recently, as the transfusion room can be so cold. And through her workplace, Sparton, she’s raised awareness about breast cancer by helping with a cancer walk, a soup cook-off, and a raffle. After hearing her story, I chose Maggie to be my guest of honor at this year’s Congressional Women’s Softball Game. Every year, female members of Congress team up to take on the female members of the press corps. We play to benefit the Young Survival Coalition, an organization set up to help Located On West City Limits Road young women who have been diagnosed with breast cancer. Sadly, too many of these diagnoses are happening in our state. The number of incidents has risen steadily since 2010, putting South Dakota at the top of the list when it comes to breast cancer diagnoses per capita. It’s unclear what has caused the influx, and while not everything is in your control, there are steps you can take to reduce your risk. According to the American Cancer Society, excessive drinking, being overweight or obese (particularly after menopause), and a lack of physical activity can 927 sq. ft. on the main floor with 2 bedrooms, 1 bath and main floor laundry, increase a woman’s risk of developing breast cancer. These are things you can take action on today. Additionally, get3 stall garage, appliances included! ting an annual mammogram can help make early detection possible. This means treatment can start earlier, possibly Lots Available From $24,900-$26,900 even before the cancer has spread. Additional Homes Available $164,800-$198,800 We have made tremendous strides when it comes to detecting and treating breast cancer. Still, 680 South DakoAdditional Floor Plans Coming Soon! tans are expected to learn they have breast cancer this year alone. I pray they are able to approach this diagnosis as Maggie did in her letter when she wrote: “I have too much to live for and so much love to give to others that I will never 416 Broadway • Yankton, SD • 664-5555 stop fighting!” Keep on fighting, Maggie. You’re an inspiration to your Randy Stacy Norene Deb Dan Jill children, your community, and women fighting this disease Kussman Schramm Gibson Specht Specht Ward everywhere. Dear Dave, My husband and I are retired, we both receive nice pensions, and we owe $46,000 on our home. This is our only debt. I’m 65, he is 82, and we have more than $800,000 in variable annuities, along with substantial cash in savings. We also have $200,000 combined in life insurance coverage. If we cancel these two policies we can pay down an extra $10,000 a year on the house. Should we cancel the life insurance policies? Anna RAMSEY Dakota Senior Meals Keep Fighting VERMILLION SUMMER LUNCH MENU Hartington Tree LLC Today! CALL TODAY! Your New Home At... Westbrook Estates 2510 Wynn Way • $169,800 ankton Area Progressive Growth Economic Development Lisa Williams Fishing for a new J O B Check out the employment ads in the bp Since 1934 Broadcaster Press 201 W Cherry, Vermillion 605-624-4429