2 Broadcaster Press July 31, 2018 www.broadcasteronline.com Dave Says The Numbers Don’t Lie By Daris Howard What’s Your Sign? My daughter Celese was working at a fast food restaurant. As employees often do, they would play jokes on each other. Celese had worked there for a long time and had risen to the rank of manager. One day it was her turn to manage the evening shift. As her shift was starting, the manager of the previous shift paused to give Celese some notes. “The sign was changed earlier today,” that manager told her. That was always important to know. When a new special was put up on the sign, there was usually about a fifty-percent increase in sales of that item for a few days. The crews had to work harder to keep up with orders, especially on the foods that were discounted. Celese went to look at the sign so she would know what her crew needed to keep ready. The sign said, “Check out our new hot chicken sandwiches. Try them today.” As Celese took over for her shift, she warned her crew to keep the chicken sandwiches cooking so they could keep up. For the first hour or so on her shift, it was all that her crew could do to keep the chicken cooked for the sandwiches. But after about an hour, something changed. The number of people coming in increased dramatically, and sales were soaring. But it wasn’t all chicken sandwiches. Those coming through were ordering many varieties of food. But there was another change, too. The customers were almost all boys, and they were making strange comments. They would say things like, “I love your sign,” “I love your hot chicks,” or “Hey, Baby, what’s your sign?” The sales were through the roof, and her crew was exhausted from the constant rush of orders. But the strange things people were saying, and the fact that it was mostly boys ordering, made Celese wonder if something more than a new special was going on. And it all seemed to have something to do with the sign. Finally, Celese went out to look at the sign, and to her dismay, she found it had been changed. Instead of what it had said, it read, “Check out our hot new chicks. See them today.” Celese realized that her crew was all girls, and she knew that the boys who worked at the restaurant must have changed the sign. She was annoyed and determined to change it back. She called the head store manager and told Thursday – 2 Swedish Meatballs, ½ c Parslied Potatoes, Served at The Main Street Center & Town Square, “Meals him there was a problem with the sign and asked him where ½ c Berry Fruit Salad a ladder was. He told her where it was, and she immediately on Wheels”. Please call before 9:00am to schedule Friday – ¾ c Turkey Ala King over ½ c Mashed Potatoes, went and pulled it out of the storage shed. or cancel a meal at 624-7868. Menus listed below are ½ c Carrots, Fresh Fruit She found that the removed letters were sitting at the August 1st to August 8th. Menus are subject to change Monday – 3 oz. Autumn Chicken, ½ c Sweet Potatoes, bottom of the sign. She had just set the ladder up and was ½ c California Blend Veggies, ½ c Mandarin climbing it with letters in hand when the restaurant owner without notice. All menus are served with whole grain Oranges showed up. bread and 1% milk unless otherwise noted. Tuesday – 3 oz. Meatloaf, Baked Potato, ½ c Green Beans, He looked at what the sign said, looked at Celese holding ½ c Pineapple the letters, and said, “What do you think you’re doing?” Wednesday - 3oz. Pork Cutlet, ½ c Mashed Potatoes with Celese tried to explain that she was sure the boys must Gravy, ½ c Creamed Peas, ½ c Fruit Cocktail have changed the sign, and she was just trying to change it back. The store owner seemed less than believing, and looked at her skeptically. The next day, when the owner did the financial audit of the previous day, he seemed even more skeptical. There were bonus points given to crews that had high sales, and Celese’s crew had higher sales than any shift had had for months. “I appreciate you attempting to push up sales,” he said to Celese, “but there are certain techniques that probably Corporate sponsors include Wel- shouldn’t be used.” (SIOUX FALLS, SD – July 26, 2018) created to showcase the talent and cov Healthcare, Tealwood Senior Livcreativity of South Dakotans 60 and The South Dakota Health Care AsCelese tried again to convince him that she hadn’t done ing, Good Samaritan Society, Tieszen it, but she never was sure he ever believed her. older. “The second half of life is full sociation (SDHCA), Great Western Don’t Cash Out Retirement Dear Dave, Why do you think all debt is bad? Dear Dave, Aren’t some kinds of debt, like a I owe $18,000 on my only car, and the payments are killing me. mortgage or student loans, good? I’m also upside down on the vehicle by about $4,000. I’m 31, and Nathan I’ve got exactly $18,000 in my 401(k). Should I cash it in to pay off the car? Dear Nathan, Monty It sounds like you’re letting me know you think some kinds of debt Dear Monty, are okay, instead of really asking If you use your 401(k) they’ll charge you a 10 percent penalty, for my opinion. When you ask a plus your tax rate. That means you’ll probably lose anywhere question that’s really a statement, from 25 to 50 percent to the government. I don’t know about you, it’s called a passive aggressive ques- but I think they already get too much of our money. tion. That’s okay. You and I will now I love the fact that you want to get rid of your car payment, but argue as best we can in a newspaper I don’t want you to cash out your retirement plan to make it hapDave column. pen. If you can pay off the car in 18 months or less, I’d advise living It’s not necessarily a question of what I on a strict, written budget, and throwing as money as possible think. I’m really just the aggregator of toward the car debt until it’s out of your life forever. information we’ve gathered while walking with people through If it would take longer than 18 months to pay it off, I’d get rid of their financial issues. I’ve worked with tens of thousands of the car. To do this, you’d have to sell it for as much as you can get, folks over nearly 30 years, everyone from billionaires and milthen go to a local credit union for a small loan to cover the differlionaires to broke people, and those in between. In the process, ence. If it’s your only car, you’d need to ask for an extra $2,000 to $3,000 to buy a little beater to drive until you can save up and get we’ve collected a lot of data through formal research projects into something better. — I’m talking about a huge stockpile of statistics, facts, and I hate all kinds of debt, Monty. But being $5,000 to $6,000 in the figures. And all that data shows debt is the biggest roadblock hole is a lot better than having $18,000 in debt hanging over your between people and wealth. I’m also a Christian. Having read head! the bible, and what it says about money, I can tell you there’s — Dave not one place where it says debt is a good idea. So, all that information leads me to one conclusion. Debt is not a positive thing. The only kind of debt I don’t beat people up over is mortgage debt, as long as it’s a 15-year, fixed rate * Dave Ramsey is America’s trusted voice on money and busiloan. Houses are wildly expensive, and I understand that most ness, and CEO of Ramsey Solutions. He has authored seven bestpeople can’t save up to buy a home with cash in a reasonable selling books, including The Total Money Makeover. The Dave amount of time. Still, that doesn’t make mortgage debt a good Ramsey Show is heard by more than 12 million listeners each thing. Any kind of debt is a burden, Nathan. It steals from your week on 575 radio stations and multiple digital platforms. Follow ability to save, build wealth, and be generous. Dave on Twitter at @DaveRamsey and on the web at daveram— Dave sey.com. RAMSEY Dakota Senior Meals Seeking Artists For SDHCA Dakota Masterworks: Senior Art Show Celebrates 22nd Year Bank, and KELOLAND Television announce that Entry Forms are available for the 22nd Annual SDHCA Dakota MasterWorks Art Show. The SDHCA Dakota MasterWorks Art Show is open to all South Dakota citizens age 60 and older. Entries will be accepted at the South Dakota Health Care Association Office located at 804 N Western Avenue, Sioux Falls, October 1 - 5, 2018 from 9 a.m. – 3 p.m. Entry Forms are available at www.sdhca. org by following the SDHCA Dakota MasterWorks link or call 1-800-9523052. The Exhibit Show will be held November 1 - 2, 2018, in the Jerstad Center at the Good Samaritan Society National Campus in Sioux Falls. Free public admission to the Exhibit Show. SDHCA Dakota MasterWorks was of creative growth and fulfillment, and SDHCA Dakota MasterWorks demonstrates that reality,” said SDHCA Dakota MasterWorks Coordinator LuAnn Severson. The competition is open to every citizen of South Dakota age 60 and older. The winning entries will be exhibited at various sites throughout South Dakota following the Sioux Falls Show. Categories include watercolor painting, oil painting, acrylic painting, drawing/pastels, photography, mixed media and wood carving. A first ($75), second ($50), and third ($25) place award will be given in each of the categories. In addition, professional judges will select a Best of Show ($100). A People’s Choice ($100) will also be awarded. Two entries are allowed from each entrant completed within the past 3 years. Thank You... Memorial Home, Dow Rummel Village, Clarkson Health Care, Westhills Village Retirement Community, Fischer Rounds & Associates, Jenkins Living Center, Imagery Photography, and Sisson Printing. This year’s artwork for the poster titled, “Victory” was created by last year’s People’s Choice winner, Dennis Linn of Rapid City, SD. To receive an entry form contact: SDHCA Dakota MasterWorks, 804 N Western Avenue, Sioux Falls, SD 57104 or call LuAnn Severson, SDHCA, 339-2071 or 1-800-952-3052. Entry Forms and entry information may also be found by visiting www.sdhca.org and follow the SDHCA Dakota MasterWorks link. If you don’t get the word out about your business, no one else will!!! The family of Karla Harnois wishes to thank everyone who has phoned, sent cards or made visits at the loss of our sister and daughter, Karla. Special thanks to Valley House and DakotAbilities where Karla made her home for 43 years. Thank you to the doctors and nurses who gave their expert care for Karla to live in comfort. Sanford you gave your best! Thank you! To Father Fischer and Father Imming, thank you will never be enough for your guidance and kindness to this family. Our thanks to some very dear friends (you know who you are) that gave us their all in many ways. Our heartfelt love is deep. We will all miss Karla. You have eased our pain. Brothers & families ~ Rick, Jody, John, Tom Mother Maryln State Treasurer Unclaimed Property Booth To Head To Sioux Empire Fair State Treasurer Rich Sattgast encourages attendees at this year’s Sioux Empire Fair in Sioux Falls, Aug. 3 – 11 to visit his staff for possible lost money that may be owed to them. The state treasurer will have a booth where the public can search the Unclaimed Property database. The database contains records of millions of dollars held by the State Treasurer and waiting to be reclaimed by their rightful owners. Unclaimed property refers to accounts in financial institutions and companies that have had no activity or contact with the owner for a year or longer and can include savings or checking accounts, uncashed payroll checks, refunds, security deposits, stocks and life insurance policies. The state holds the money in a custodial capacity until the money can be returned to the rightful owners. Currently, the Unclaimed Property Division is holding over $552 million in unclaimed funds. The State Treasurer has returned over $1.7 million to the rightful owners since the beginning of the current fiscal year in July. "The goal is to put money back into the hands of South Dakotans,” Treasurer Rich Sattgast said. “That money ultimately makes its way into our economy which is good for our state.” Specialists in the Unclaimed Property Division of the Treasurer’s Office will be available during the Sioux Empire Fair. Residents who are unable to attend the event can search the database online at http://www.sdtreasurer. gov/ VERMILLION YOUTH SOCCER LEAGUE Fall Registration Open June 20 - July 31 Season runs from August 13-October 6 Open to Birth Years 2005-2014 3x ...the Value Register online at tshq.bluesombrero.com/vermillionsoccer Questions can be sent to vermillion.soccer@gmail.com For Your Classified! 605-624-4429