2 Broadcaster Press July 17, 2018 www.broadcasteronline.com A Fourth-of-July Surprise Dave Says Insurance After Diagnosis Dave RAMSEY Dear Dave, I started looking at life insurance policies after my wife and I had our daughter. During the screening process, I found out I had testicular cancer. I went through treatments, and the doctors have officially declared me to be in remission. Still, I can’t find a life insurance company that will work with me. I have a small policy through my employer, that is equal to double my salary. Do you have any suggestions for finding additional coverage? Nate Dear Nate, It’s great news that you’re in remission. I’m really happy for you, buddy. I know your wife is thrilled, too. I would advise conducting a search of every “guaranteed issue” company and policy out there. The term, guaranteed issue, means they don’t do a medical check. The problem is these policies generally run 10 to 20 times more per thousand than those where you qualify medically. So, you’re not going to get a lot during this time. Check at work, and see if you can buy more and add it to By Daris Howard the coverage they already provide. Some employers provide a double-up option if you’re willing to pay for the additional coverage. If you can, and the price is reasonable, do it. If you have a mortgage, call the mortgage company and get mortgage life insurance. It’s gimmick insurance — and something I don’t normally recommend — but many times you can get it without medical clearance. Once you get past that three- to five-year window where many insurance companies will work with you again, try to find a good, level term life insurance policy with coverage that’s 10 to 12 times your income, and drop all this other stuff. In the meantime, pick up anything else you can find – even if it’s those little $10,000 policies banks sometimes attach to your checking account for $20. Pile up those little odds and ends, until you get as much coverage as you can within reason. God bless you and your family, Nate. — Dave * 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. 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 18th to July 24th. Menus are subject to change without notice. All menus are served with whole grain bread and 1% milk unless otherwise noted. Thursday – Hot Pork & Cheese Sauce Sandwich, ½ c Potato Rounds, ½ c Beets, ½ c Peaches. Friday – 3oz Salisbury Steak, 1/2c Mashed Potatoes and Gravy, ½ c Parslied Carrots, Fresh Fruit. Monday – 3oz Baked Chicken, ½ c Baked Squash, Apple. Tuesday – 3oz Pork Cutlet, 1/4c Sauerkraut, ½ c Mashed Potatoes, ½ Parslied Carrots, Seasonal Fruit. Wednesday – 3oz. Meatloaf, Baked Potato, ½ c Lima Beans with Pimento, ½ c Pineapple Tidbits, Dinner Roll. VERMILLION SUMMER LUNCH MENU The Summer Food Program at Jolley Elementary will be serving lunch Monday through Friday from May 29th to July 27th 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 18 - July 24. Menus are subject to change without notice. Wednesday – Hot Dog, BBQ Beans Thursday – French Toast Sticks, Sausage, Potato Triangle Friday – Cheese Pizza, Corn Monday – Crispy Chicken Sandwich, Potato Triangle Tuesday – Soft Shell Taco, Refried Beans, Sugar Cookie Consider it... Sold! Classifieds State Emergency Management Office Honored for GIS Innovation PIERRE, S.D. – South Dakota’s Office of Emergency Management (OEM) has been recognized for its use of Geographic Information System (GIS) techniques in emergency management efforts. Office staff were honored Wednesday with a Special Achievement in GIS (SAG) Award presented by Esri, a GIS company. The award was presented at a conference in San Diego. OEM Director Tina Titze says office staff has used the Ersi GIS technology to enhance the state’s capacity to prepare for, and respond to, emergencies. She says among the other uses of the technology, one is for the mapping of mitigation projects across the state. “When responding to an emergency, the office uses the GIS tools to create a story map to share situational awareness. The data is live and updated as information is received,” she says. “That gives decision makers accurate information immediately, meaning they can provide resources quicker to communities in need.” Titze says the office is looking to expand its use of the GIS system. She says staff are currently working on the system to create maps showing the location of powerline infrastructure damage following a severe storm. Titze says that information would then help electric cooperatives restore power more quickly and efficiently for the public. OEM is the only South Dakota entity to receive a SAG award this year. More than 330,000 eligible entities in areas such as commercial industry, defense, transportation, non-profit work, telecommunications, and government were considered for the award. OEM was one of 189 organizations worldwide who were ultimately selected to receive this years’ honor. The Office of Emergency Management is part of the South Dakota Department of Public Safety. DEBRIS REMOVAL GRANTS AVAILABLE The TLC Water Project District is accepting applications for cost share assistance for tree debris removal from the Vermillion River. Please call or email for information and application tlcwpd@hotmail.com (605)530-2503 Cell • (605)563-2423 Office Application deadline-August 30th AUTHOR CRAIG JOHNSON COMING TO THE VERMILLION PUBLIC LIBRARY Sunday, August 19th Craig Johnson is the author of the bestselling Walt Longmire Mysteries - now a hit show on Netflix! Tickets are $5 - $20, depending on which events you choose to attend. They will be available at the Library front desk starting Saturday, July 21st and are limited, so get them while you can! Further information will be available for patrons at the Circulation Desk, or by calling us at 605-677-7060. Author Meet & Greet at Carey’s Bar in Downtown Vermillion • 4:30 – 5:30 pm Tickets are $20, and include a catered supper by Heck’s Dakota Style BBQ, 1 free bar drink, a chance to meet the author, and the Author Talk and Q&A later at the Library. Author Talk and Q&A at the Vermillion Public Library • 6:30 - 8:00 pm Doors open at 5:30 to allow for advanced book sales and a viewing of the pilot episode of Longmire. Tickets for just this event are $5. After the talk, Barnes & Noble will be selling copies of Craig Johnson’s books and the author himself will be signing them! This event is free and open to the public. 18 Church Street, Vermillion vermillionpubliclibrary.org Don’s Dust Control For me, the Fourth-of-July celebration started early. The scouts in our community put flags up in front of every house on holidays. In return, many of the people in our community will donate to our scout program. Even if a person can’t afford to donate, they will still find a beautiful flag waving in the breeze outside their house when they wake up. As a scoutmaster, I was up by five-thirty helping the boys get the flags in place. When I arrived back home at six-thirty, I found my daughter Elliana preparing to go to work at McDonald’s. She had to start at seven-thirty in the morning and work until late afternoon. That meant she couldn’t even go to the flag raising or the community breakfast. She also would miss the parade and most other celebratory events. I would usually be the one that would take Elli to work, but this morning I knew I needed to be with my scouts at the flag raising. As I left, my wife headed to town with Elli. The flag raising and breakfast went well. The speaker did a good job and had some wonderful patriotic music and a slide show. We had all sorts of muffins, juice, and milk. Mostly, it was just a fun time to visit. But I didn’t enjoy it as much as I might have. All I could think of was Elli having to work and missing it. It wasn’t long after the breakfast was over before we were heading to the parade. We went to my mother’s house and picked her up, and by ten o’clock we were setting up chairs on the parade route. Another daughter and her husband also met us there. The Ashton parade is everything a small community parade should be. Lots of horses, tractors, antique automobiles, and old farm equipment. But then came my favorite part. After the parade had all gone by, everyone went into the street and visited. Then, after a little while, the parade came back, going the other way, and everyone moved to the side. My father used to say. “A parade is only as good as the number of friends you meet.” This community parade is the best there is in that way. After the parade, we went to a small café and ate lunch. The food was good, and we had a fun time just visiting with each other and with people who came in. After we could hardly eat another bite, we had some of the best ice-cream served anywhere. The whole time, however, all I could think of was buying extra pizza and ice-cream for Elli to enjoy later. After we took Mom home so she could get a well-deserved nap, it was finally time to pick Elli up from work. When she came out and climbed in the car, I said, “I wish you could have been with us and not had to miss everything.” She smiled. “I felt bad missing it, too. But I had my own, simple, but wonderful Fourth of July surprise.” “What was that?” I asked. “I was working drive-thru,” she said. “A man pulled up and paid for his food. Then he said he wanted to pay for everyone in the vehicle behind him. I looked at the bill for the vehicle behind him, and it was a fair amount. I asked the man if he was sure he wanted to pay for it. He assured me he did. “I told him that was really nice and asked him if he knew them. He shrugged and said, ‘Sort of. In a way, we all do.’ I asked him if he wanted me to tell them anything. He smiled and said, ‘just tell them thank you.’ “And when the next vehicle pulled up, guess who was in it?” “Who?” I asked. “It was a big van full of soldiers and veterans. When I told them the man ahead of them had paid the bill and told them what he said, I felt like I would cry.” She finished by saying, “I may have missed the celebration, but I had the best Fourth-of-July surprise ever.” Recreational Trails Receive Funding PIERRE – Gov. Dennis Daugaard has awarded Recreational Trails Program (RTP) funding to several cities, trail groups and state parks totaling over $1.1 million. The five-person citizen RTP Advisory Council reviewed • Horse Arenas the applications and made the recommendations to Gov. • Private & Commerical Daugaard. The federal assistance program provides up to Drives 80 percent reimbursement for trail-related development and maintenance projects. • Unpaved Roads The following applicants were awarded grants for trail • Grain Elevator Access construction and upgrades: • Free Estimates • Aberdeen – Moccasin Creek Recreational Trails, 605-491-2133 $95,800 • Deadwood – Whitewood Creek Trail & BoardCarpentry, Decks, walk Rehabilitation, $60,000 Windows & Doors, • Dell Rapids – Sioux Re?nishing, Drywall, & River Red Rock Trail, Dam Ceramic Tile Site, $100,000 • Elk Point – Recreational Trail, $24,903 Additional grants were Repair & Remodel awarded for trail improve19 Years in Business ment projects at the following locations: Bear Butte State Park, George S. Mickelson Trail and the Black Hills Snowmobile Trail System. “The sponsors of these projects have thoroughly demonstrated their commitment to improving our communities, parks and recreation areas,” said Gov. Daugaard. “These funds will aid them in their efforts to benefit South Dakotans and future generations.” The Recreational Trails Program is funded by the Federal Highway Administration and administered in South Dakota by the Department of Game, Fish and Parks. The funds come from the Federal Highway Trust Fund and represent a portion of the motor fuel excise tax collected from non-highway recreational fuel use. For more information on this program, contact Randy Kittle, grants coordinator, at 605.773.5490 or by email at randy.kittle@state. sd.us. Romsdahl’s Free Estimates 605-670-2161