Broadcaster Press 3 June 26, 2018 www.broadcasteronline.com Gov. Daugaard Stop Playing With Gold and Silver, and Pay Off That Debt! To Appoint David Mickelson To Board Of Regents Dave Says Dave RAMSEY Dear Dave, I make about $240,000 annually, and I will be maxing out my 401(k) contributions this year. I have $60,000 in student loan debt I’m trying to pay off, a small amount left on my home mortgage, plus I’ve been investing in a lot of gold and silver. Those investments are worth about $30,000 right now. In addition to this, I’ve got $10,000 in cash just sitting in a savings account for emergencies. Should I stop the gold and silver investing, and focus on paying off the loans, or keep splitting my money between them? Adam few months. The key will be to start living on a very strict budget. Don’t spend on anything that’s not absolutely necessary. I also want you to temporarily stop contributing to your 401(k). Do this just until you get the student loan debt wiped out, then pick it up again like before. If you want to put even more toward retirement, you could check with a quality investment professional — one with the heart of a teacher — to see if you’re eligible for a back-door Roth IRA. When it’s all said and done, Adam, I want you to have 15 percent of your yearly income going toward retirement. You already know the value of saving and investing. With PIERRE, S.D. – Gov. Dennis Daugaard announced June your income, once you knock out your debt and begin investing again, you have the very real potential to become a millionaire 19 that he will appoint David Mickelson of Sioux Falls to the South Dakota Board of Regents. in just a few years! — Dave “David Mickelson is a thoughtful leader and a hard- Dear Adam, I’d stop investing in gold and silver completely. I don’t put money in precious metals at all, because they have a lousy long-term track record. My advice would be to cash out every bit of your gold and silver, and put the money toward paying off your student loans. That would instantly cut your student loan debt in half. Then, with your salary, you should be able to pay off the rest in just a * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven bestselling 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. A Gringo New Weekly Schedules Announced For Driver Exam Stations In Vermillion, Yankton By Daris Howard I looked at the menu, and I didn’t understand a word on it. I hadn’t been in Peru long, and I spoke almost no Spanish. I was traveling with a group from the university, and we were there not as tourists, but to learn. During the first few days the meals had been planned for us, but for this one, we were on our own. I had made my way downtown in Lima and found a restaurant that looked clean and appeared to have local cuisine. The picture of steaks on the front told me they probably served beef. That gave me the confidence that I could order okay. I joined the line of people waiting to order. I listened intently to what each person was saying, but they spoke so fast I didn’t understand any of it other than a few numbers here and there. A year in advance of our trip, we each received books of key Spanish phrases along with tapes to listen to. I had studied them diligently. But the speaker on the tapes said everything clearly and slowly. What I heard now was a jumble of sounds to my ears. When it was my turn to order, the menu looked like it was in a foreign language. Come to think of it, it was. But it was even more foreign than I expected. The teenage boy taking orders asked me what I wanted. At least that’s what I assume he asked. I didn’t have the slightest idea what to order. All of the Spanish I learned just disappeared from my brain. The only word I could think of was “banyo” (bathroom). That one was drilled into us on the tapes in case we got into a desperate situation. But it didn’t really apply at the moment. At least I could read the prices. The numbers were the same as in the U.S. If I could do nothing else, I could consider the cost. Not knowing what else to do, I asked, “What would you recommend?” The young man looked at me like I had just returned from an alien abduction. “No hablo ingles.” I had learned the phrase, “No hablo español” and knew it meant I didn’t speak Spanish. What he said was close enough that I was sure he was telling me he didn’t speak English. I was holding up the line, and I could see that he was getting impatient with me. Finally, the young man called over his manager, and I moved aside so others could order. The manager asked, “You order?” I thought to myself, “Finally, someone who speaks English.” “Can you tell me what some of the things on the menu are?” I asked. He shook his head. “No understand.” I realized he had just about used up most of the English he knew. I would just have to read off the menu the best I could. I decided that since I didn’t know what anything was, I would just order something cheap. If I liked it, great. If not, I wasn’t out a lot of money. I looked at the cheap section of the menu, and I determined it must be similar to a value menu at fast food restaurants in the United States. I decided to order from it. “Salsa de tomate,” I said, trying to sound as Spanish as possible. I was sure the surprised look on his face was due to my good Spanish accent. I had listened to a lot of tapes. That was only a small amount of money, so I thought I’d add more to it. I read something else from the cheap menu “mostaza.” He nodded and smiled. I decided to add one more item. “Salsa de chile.” He grinned, took my money, and made change. It cost about the equivalent of a dollar. He left and was soon back with my order. He handed me a sack and a cup of water. “Agua,” he said. “With salsa de chile, you need.” I looked in the bag and found I had a small container of ketchup, one of mustard, and one that had a picture of five chili peppers on it. Apparently, I had ordered off of the condiments menu. I must have looked embarrassed because the manager grinned. “Next time,” he said, “you go McDonalds and order chicken nuggets.” 3x ...the Value PIERRE, S.D. – Schedule changes have been announced for the South Dakota Driver License exam stations in Vermillion and Yankton. Starting July 1, the Yankton station will be open three days a week while the Vermillion station will be open one day a week. Driver License Director Jane Schrank says the change was made to accommodate public demand. “We have seen more people using the Yankton exam station in recent months,” she said. “Having that site open another day gives the staff more time to process the applications for licenses and license renewals.” Schrank says the new schedule calls for the Yankton exam station to be open every Tuesday, Thursday and Friday. Hours are 7 a.m.-5:30 p.m. for the station, which is located in the Kanner Building at the Human Services Center, 3113 Spruce St. The Vermillion exam station will be open from 7 a.m.-5 p.m. every Thursday. The station is located at 11 E. Cherry St. Schrank reminds people that they have 180 days prior to the expiration date of their license to renew. For information about online renewal or what documents are needed for a license renewal and a list of exam stations, click on to: http://dps.sd.gov/ licensing/driver_licensing/. The Driver Licensing program is part of the South Dakota Department of Public Safety. working, successful businessman,” said Gov. Daugaard. “He has also been an active supporter of his alma mater, Black Hills State University. I know he will be an excellent regent.” Mickelson is the president and CEO of Graham Tire Company, a Sioux Falls-based company that is one of the largest independently owned dealerships in the United States. Graham Tire operates 17 locations in South Dakota and Nebraska along with a tire retread facility and a Mighty Auto Parts franchise. He is a 1994 graduate of Black Hills State University, where he earned a degree in business administration and played on the Yellow Jacket football team. He is on the board of directors of the Yellow Jacket Foundation. “I am very honored to be appointed to the South Dakota Board of Regents. I have a lot to learn and I look forward to this great opportunity to work with the universities and schools that make up the system,” Mickelson said. Mickelson’s appointment is effective immediately. He will complete the term of Regent Bob Sutton, who resigned earlier this month. Mickelson currently serves on the South Dakota Lottery Commission, and will be resigning from the Commission to join the Board of Regents. We’re all ears. Your opinion is something 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. 201 W. Cherry •Vermillion, SD 57069 605-624-4429 • classifieds@plaintalk.net OAKWOOD APARTMENTS WEEKLY MEAT SPECIALS 605.624.9557 Fresh Choice Whole Sirloin Tips.............$299 Fresh Pork Cutlets .......................................................$199 lb. lb. 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