2 Broadcaster Press March 3, 2020 www.broadcasteronline.com Dave Says An Honest Swim Check There’s A Better Idea Dear Dave, My husband and I had our first child in December. We bought a house not long before the baby was born, and since then we’ve been getting mail and phone calls about buying mortgage protection insurance. We’re both 27, we have good jobs, and our mortgage is $105,000. Would it be a good idea to get this insurance? Rachel Think Of It As Murphy Insurance Dear Dave, I was thinking about putting my emergency fund savings into a balanced mutual fund. Would this be a good idea? Trey Dear Trey, You should never put your emergency fund into anyDave thing that can go down in value, or anything that charges Dear Rachel, penalties for early withdrawals. I recommend putting it Mortgage insurance is really into a good money market account with check-writing nothing more than a life insurance privileges. policy with the word “mortgage” stuck on the front. They Remember, your emergency fund is insurance. It is make it sound like a specialized product, and they jack not an investment. That three to six months of expenses the price up. The truth is it’s just a big rip-off in most you’ve saved has one purpose and one purpose only—to cases. protect you, your family, and your stuff against the unexIf you two are healthy, you both could easily get pected. You know how Murphy’s Law says anything that $250,000 on 20-year level term life insurance policies, for can go wrong will go wrong? Think of your emergency around $12 a month. Then, if something happened to one fund as Murphy repellant. of you, the other could pay off the house with the insurThat’s one of the reasons an emergency fund is so imance money and still have a nice chunk left over. portant. If you don’t have one, and something unexpectHowever, I recommend going a little further. My advice ed happens, you’re likely to end up borrowing money is for each of you to get good, level term life insurance— from the bank, or cashing out retirement savings to fix not just to cover your mortgage—but for 10 to 12 times things. So, don’t worry about investing this money. Just your annual incomes. Both of you should have sensible park it, and think of it as an insurance policy for when plans in place to take care of your family now, and in the Murphy comes knocking at the door! future, should something unfortunate happen. —Dave And Congratulations! God bless you two and your new baby! * Dave Ramsey is America’s trusted voice on money and —Dave business, and CEO of Ramsey Solutions. He has authored seven If you don’t get the word out best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners about your business, each week on 575 radio stations and multiple digital platforms. no one else will!!! Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. RAMSEY New Law Renames South Dakota’s Technical Institutes as ‘Technical Colleges’ PIERRE, S.D. Governor Kristi Noem signed legislation Feb. 25 to change the names of South Dakota’s four postsecondary Deadline for the March 17th issue will be Thursday, March 12th at 11am for all display and classified ads. 201 W. Cherry Street, Vermillion, SD www.broadcasteronline.com • 605-624-4429 Athlete Spotlight technical institutes to better align the schools with other institutes around the nation. HB 1083 renames technical institutes to technical colleges. HB 1083’s prime sponsors are Representative Hugh Bartels and Senator Jim White. The legislation received broad support throughout the legislative process and was supported by the South Dakota Board of Technical Education, South Dakota Chamber of Commerce and others. The name change goes into effect on July 1 for technical schools in Watertown, Mitchell, Sioux Falls, and Rapid City. YOUR RADIATOR HEADQUARTERS! • Great Parts • Great Warranty On-Hand & In-Stock! NO WAITING! Cox Auto 1007 Broadway Ave Yankton, SD 605•665•4494 TODD’S By Daris Howard When I became scoutmaster, I promised the boys I would work with them on any good thing that they wanted to do. They soon learned, however, that there were things I wasn’t fond of. Swimming was one of them. When I had to complete the scoutmaster swim certification, I thought I was going to drown, and so did the boys. That was why we hadn’t even arrived at scout camp before Gordy started teasing me about passing the swim check. “Are you even going to try?” he asked me as we neared the camp. “I’m not only going to try,” I replied, “I’m going to do it.” “We only have one week up here,” Gordy said. “Don’t you need something like six months just to get in shape?” “Ha, ha,” I replied. “Maybe I will pass mine off before you do yours.” I knew Gordy disliked swimming more than any other boy in our troop, so it seemed crazy that he was the one teasing me. “Actually, I don’t even plan to do my swim check,” Gordy said. “But I thought you wanted to work on the canoeing merit badge,” I replied. “You have to pass your swim check before you can do anything else on the lake.” “I’m paying Seth to do my swim check for me,” he said. “No one else is going to do your swim for you,” I replied. “First, it isn’t honest, and second, you need to prove that you can save yourself if something happens.” I started trying to speak to Seth about it, but the boys reminded me that he was in the pickup his dad was driving. “Well, when we get to camp,” I told them, “remind me to talk to him.” We arrived at scout camp just after six o’clock in the morning. The sun was just coming up as we started the arduous task of hauling all of our gear to our campsite. My boys preferred solitude, and we had reserved the campsite farthest away from everything. By seven o’clock, all of our gear was packed in. We decided to set up camp later because it was time for the swim check. We put on our swimsuits and headed to the lake. Although it was July, the water flowing into the lake from melting snow still had a glimmer of ice along the edge. The thought of jumping in stole my breath away even before I took the plunge. We had to swim four times from dock to dock. I was struggling by the time I finished the second lap, and by the time I finished the third, I could sense the end of my life nearing, both from freezing to death and from lack of oxygen. Both Gordy and I gave up at about the same time. “We’ll try again later,” I said, trying to encourage him. We went and set up camp, and after we were rested, I turned to Gordy. “Let’s go givesaw it in the Tell them you that swim check another try.” Gordy groaned. “Why can’t I just have Seth do it for me?” “Because you will feel so much better doing it honestly,” I replied. “Not likely,” he growled. We headed down to the lake, and all of the other boys followed to cheer us on— or, more likely, to make fun of www.broadcasteronline.com us. We approached the board containing our swim tags, and I couldn’t find mine. I hunted and hunted for it, but it wasn’t there. Then one of the boys found it—not just on the swim check board, but on the swim expert board. Just then, Seth’s dad walked up, rubbing his hair dry with a towel. “Hey, Daris,” he said. “I hope you don’t mind, but I 201 W. Cherry, Vermillion wanted to swim, and since I didn’t have my physical on file, they wouldn’t let me. So I just told them I was you. They made mewww.broadcasteronline.comso you are all pass the swim check first, set.” Gordy smirked. “Nothing like doing it honestly.” Broadcaster! Tell them you saw it in the Broadcaster! 624-4429 Tell them you saw it in the Broadcaster! 624-4429 Tell them you saw it in the Broadcaster! ELECTRIC SERVICE “The Line To Power” Design/Build • Fiber Cabling • Commercial • Residential Service Calls • Boom Truck with Auger • Trenching Serving the Beresford and Vermillion Areas 201 W. Cherry, Vermillion 624-4429 1-800-560-2518 www.broadcasteronline.com 1221 Cornell St., Vermillion, SD • 605-624-5642 201 NW 13th St., Ste. 3, Beresford, SD • 800-560-2518 Experience you can count on. Kyle Joachimsen - Lead Installer Kyle has over 23 years of experience in the commercial and residential sectors. Kyle’s experience and his commitment to customer satisfaction enable him to handle any project. Dillon Gestring Dillon Gestring is a junior on the Vermillion basketball team. His favorite parts of the sport are “winning, playing well as a team, and being able to play my favorite sport with a great group.” Gestring also plays football in the fall and runs track in the spring. When he’s not involved with school athletics, Gestring enjoys practicing basketball, lifting, hanging out with friends, and playing games on his PlayStation. At Kalins Indoor Comfort – Local experience you can count on, yesterday – today – and tomorrow. 710 Cottage Ave., Vermillion, 605-624-5618 2018 Broadway, Yankton, 605-665-4348 kalinsindoor.com PRECISION PAINTING •Interior •Exterior •Commercial •Residential Quality Workmanship, Reasonable Rates Since 1983 CLINT TUCKER 624-4621 ST. AGNES SCHOOL KINDERGARTEN ROUND-UP St. Agnes School’s Kindergarten Round-Up Parent Orientation Meeting for incoming kindergarten parents is on Thursday Evening, March 5th, from 7 to 8 p.m. in the St. Agnes School kindergarten classroom. Kindergarten Round-Up for all incoming kindergarten students will take place on Friday Afternoon, March 6th, from 1 to 3 p.m. Come and learn more about St. Agnes School! Parents are invited to register their children for the 2020-2021 kindergarten class. Children must be 5 by September 1, 2020. Please bring your child’s birth certificate. PRESCHOOL REGISTRATION • REGISTER NOW! We serve 3-5 year old preschool children. Your child must be three, and potty-trained, by September 1, 2020. Morning Sessions (8:30-11:00 a.m.) are available. Students may attend 2 (T/Th) days, 3 days (M/W/F), or 5 days (M-F) a week. Preschool childcare is available from 7:30 a.m. to 5:30 p.m. Monday-Friday. Contact: St. Agnes School, 909 Lewis St., 624-4144