060915_YKMV_A2.pdf
June 9, 2015 • Page 2
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Wettest May on
No Flighty Explanation Needed
Record since 1895
Dave Says
at the company, or
being connected
to someone with a
positive reputation,
can help you avoid
the résumé slush
pile. It can help cut
through the mess
and achieve clarity!
BY DAVE RAMSEY
Dear Dave,
I’ve been in my current job for five
years. I’ve also had a second job for three
of those years, but now I’d like to make a
change. Do you have any advice on how
to convince a potential employer that I’m
a good hire, even though I had a couple of
jobs in the past that I quit after a month
or two?
—Bill
Dear Bill,
Quitting a job after a month or so isn’t
normally some kind of sin that automatically disqualifies you from being hired.
It might be with some corporate goober
who’s looking at things through some
silly, one-size-fits-all hiring paradigm, but
that alone wouldn’t be the kiss of death
around my office.
Now, would we look at something like
that and want to know what happened
and what your explanation was? Absolutely! But if it made sense, there wouldn’t
be a problem. However, if it made you
sound flighty or disgruntled with things in
general, we’d probably pass.
My guess is that the fields you’re
interested in are like most — there’s a lot
of importance put on who you know. And
I don’t mean this in a negative way. Work
and try to develop good relationships
with people in your field and those associated with it. If that’s in place, they can
honestly give out positive references.
Knowing someone within the field or
—Dave
Dave
BIG DEBT ON AN
OLD CAR
Dear Dave,
My wife cosigned
a loan on a 2007 car for her sister. Now,
it’s being repossessed, and $23,000 is still
owed on it at 20 percent. What can we do
in this situation?
—Pablo
RAMSEY
Dear Pablo,
Tell the bank or dealer where the
car is, and tell them to come pick it up.
There’s no way to get out of the rest, my
friend. You and your wife are going to be
liable for whatever the car doesn’t bring
in afterward. Let’s say it sells for $4,000.
That would be subtracted from what is
owed, and it will still be up to you guys
to pay the rest. You could always try to
negotiate to settle it for pennies on the
dollar. Based on what you’ve told me,
that’s a best-case scenario.
The other thing I would do is demand
a full audit on the account from day-one
to present, because a 20 percent interest
rate doesn’t explain why a car didn’t
pay off – especially a $23,000 car. If this
was a $5,000 car from a tote-the-note
car lot, and they were ripping her off
charging only interest – and that’s all
anyone was paying, and she gave up and
punted – that’s fine. You’re just looking
for a little understanding of the situation.
But $23,000 cars don’t generally have 20
percent interest. That’s a pretty freaky
deal, and I’d want to know where the
money went.
From a bank’s perspective, I don’t see
how anyone would think something like
this would work out. The car was going
down in value the entire time, so it just
doesn’t make sense to me. Of course,
if you have the cash lying around and
it wouldn’t damage your finances, you
could just take care of things and call it
Stupid Tax.
Cosigning on a loan, especially with
family, is never a good idea.
—Dave
Dave Ramsey is America’s trusted
voice on money and business. He has
authored five New York Times best-selling
books. The Dave Ramsey Show is heard by
more than 8.5 million listeners each week
on more than 550 radio stations. Dave’s
latest project, EveryDollar, provides a free
online budget tool. Follow Dave on Twitter
at @DaveRamsey and on the web at daveramsey.com.
Military Band Set To Perform Free Concert In Yankton
“We had an open invitation for
them to return,” Gary Wood, publisher
of the Press & Dakotan, said. “They
Military bands have been around about
reached out and said they were going
as long as the military itself, and next
to start moving more outside the state
week, one of them will come to Yankton. of Nebraska and would like to come to
The Heartland of America Band VorYankton.”
tex will perform in Yankton on WednesWith support from the sponsors of
day, June 10, at 7 p.m. at the YHS/Sumthe P&D, the Yankton Hy-Vee and the
mit Activities Center theatre.
Yankton School District, the band is
Vortex first performed in Yankton 12
ready to perform.
years ago at the Dakota Theatre. The
“We have done a wide variety of perincreased interest has prompted the
formances, for school assemblies, miliSAVED AS
SAVED AS
change to a larger venue.
tary ceremonies
and clinics and
so on,” said SSgt.
SAVED AS
Anthony Schmaus,
the band’s tour diVisit our website for
rector/bass guitar
Visit our website for a
complete list of events and
list of events and
player.
Verdigre, Neb. complete www.verdigre.org.
times at
times at www.verdigre.org.
The band’s
Visit our website for a
home base is OfFri., June and
Thurs., June11
Fri., June 12
Thurs., complete list of events 12
June 11
Verdigre, Neb.•Variety Show www.verdigre.org.
times at •Pool Party •Polka Contest futt Air Force Base
•Pool Party •Polka Contest
•Variety Show
in Nebraska.
•Royalty
•Turtle Races •Royalty Ball
Fri.,
Thurs., June 11•Turtle RacesJune 12 Ball
Vortex cur•Variety Show •The Chad
•VarietyParty •Polka Chad
•Pool Show
•Variety Show •Beer/Wine Tasting •The Band
Lee Contest
rently consists of
•Beer/Wine Races •Royalty Ball
•Turtle Tasting Lee Band
13 members, with
•Variety Show
Saturday, June 13 •The Chad
Saturday, June 13 Lee Band
instruments rang•Beer/Wine Tasting
•5K Run/Walk & 10K Run
•Duck Races
ing from guitars to
•5K Run/Walk & 10K RunJune 13 Races
•Duck
•Mud Volleyball
•School Tours
Saturday,
•Mud Volleyball
•School Tours
a french horn to a
•Kiddie Parade Run •Alumni Banquet
•5K Run/Walk & 10K
•Duck Races
•Kiddie Parade
•Alumni Banquet
•Sand Dig
•Street Tours
piano. They play
•Mud Volleyball
•School Dance
•Sand Show
•Street Banquet
•VendorParade
•Ethnic Meal
•Kiddie Dig
•Alumni Dance
blues, country,
•Vendor Show
•Ethnic Dance
•Sand Dig
•Street Meal
Sunday, June 14
pop, rock and, of
•Vendor Show
•Ethnic Meal
BY REILLY BIEL
reilly.biel@yankton.net
June 11 14
June 11 --14
Verdigre, Neb.
June 11 - 14
course, patriotic music.
“We are excited to play for the wonderful citizens of Yankton,” Schmaus
said.
With the upcoming Youth Archery
Tournament occurring the same week
as the concert, a good turnout is
expected.
“We are hoping to get a couple
hundred kids from the archery tournament for the performance,” said Wood.
“It’s going to be a unique experience for
them.”
For Schmaus, it’s another day of doing what he loves.
“I love serving my country and playing music to serve my country. There’s
a lot of people in the air force who do
great things that no one sees,” he said
proudly.
Tickets to the concert can be picked
up at the P&D on 319 Walnut, Yankton,
or online at www.yankton.net. There is
no charge, and plenty of seat are available.
For more information on the band,
call the band’s media staff at 402-2940482 or visit www.heartlandofamericaband.af.mil.
Follow @ReillyBiel on Twitter.
Sunday, June 14
•Grand Parade
•Polka Mass
Sunday, June 14
•Grand Parade
•BBQ & Ethnic Meal •Kolach Eating Contest
•Polka Mass
•Grand Parade
•Polka Team
•Firemen's Water Fight
•BBQ & Ethnic Meal •Kolach Eating Contest
•Drill Mass
•Kolach Eating Contest
•BBQ & Ethnic Meal
•Firemen's Water Fight
•Drill Team
•Firemen's Water Fight
•Drill Team
...and more!
...and more!
...and more!
Food and fun all weekend long!
Food and fun all weekend long!
Food and fun all weekend
Richard's Amusements will be on the midway!
Richard's Amusements will be on the midway!
Richard's Amusements will be on the midway!
Dawn, Patty, Ellen, Char, Linda & Renae
Welcomes
Courtney Strong
to
ZECH DAYS
C 67th Annual
Thursday – June 18: Rich Schild Memorial
Fireworks Display
Friday – June 19: Giant Parade – 1:00 p.m.
Saturday – June 20: Kolache Krawl 5K
Fun Run/Walk – 8:30 a.m.
Leonard Cimpl Baseball Park
(Registration 7:30-8:30 a.m.)
Kiddie Parade – 11:00 a.m.
Sunday – June 21: Benefit Pick-up and
Tractor Pull - Noon
St. John’s illustrated Bible viewing
Friday and Saturday
Daniela Mahoney - Czech Craft
Workshops and National Czech
Museum Traveling Exhibits
– Friday, Saturday, Sunday
Merriam’s Midway Shows Carnival
– Thursday – Sunday
(Wristbands Thursday and Sunday
only – Advance Tickets anytime) Queen Liz Kubal with Braden Beran
and Isabella Kreber, Prince and Princess
Fun for the Whole Family! Carnival Rides, Music, Kolaches,
Craft Fair, Dancing & Traditional Czech Foods, Tabor, SD
1101 Broadway Ave, Morgen Square • 665-3493
Please join us for our. . .
Open House
BROOKINGS, S.D. - Moisture during the month of May
rapidly transitioned the state out of drought conditions.
“Preliminary data indicate that at least eight climate
stations reported their wettest May on record, with more
reports yet to come in,” said Laura Edwards, SDSU Extension Climate Field Specialist.
The north central and southwest regions were among
the wettest areas of the state. The north central region
weather stations recorded their second wettest May since
1895 with a regional average of 6.22 inches; the other wettest was recorded in 1906 when the region-wide average
was 6.73 inches.
Records were also set at individual weather stations;
Mobridge recorded not only its wettest May, but May 2015
is documented in the record books as the wettest month in
the location’s recorded history with 9.32 inches of precipitation. This exceeds the previous record of 8.85 inches in
June 1915.
Edwards added that the southwest region of the state
had many climate stations that measured two to three
times their average May precipitation. “As a region, the
southwest also had its second wettest May on record,
with an average of 7.29 inches,” Edwards said. She said the
wettest May for this region occurred in 1982, with a regionwide average of 7.34 inches.
Transition out of drought
Following the driest January through April period on
record for South Dakota, the May 5, 2015 U.S. Drought
Monitor had 78 percent of the state in moderate to severe
drought (in D1 and D2 designations.) By May 26, 2015
only 9 percent of the state was in drought, focused on the
southeastern region.
The May statewide average precipitation was 5.88
inches, according to preliminary data. Monthly precipitation ranged from less than three inches to over 10 inches.
Snow was a contributor to May’s moisture levels, with
many western South Dakota areas, including Bison, Martin
and Interior, which reported more than 10 inches of snowfall on May 10 and 11, setting several new snowfall records
for the month of May.
Climate outlook
National Oceanic Atmospheric Administration (NOAA)
released the June 2015 Climate Outlook which Edwards
calls “a mixed bag.”
“The month appears to start off warmer than average,
but temperatures could turn towards average or below average by the end of the month,” she said. “Overall, NOAA’s
Climate Prediction Center has indicated equal chances
of below, above and near median temperatures for the
month.”
As far as precipitation for the month ahead, Edwards
said there is an increased likelihood of above median precipitation across most of the state, with higher probability
along the Nebraska border. “If this monthly outlook holds
true, it could mean the end to our worries of drought for a
while,” she said.
Edwards said El Nino continues to be a factor in this
season’s outlook, as a moderate to strong event is currently
underway. “In general, El Nino means less likelihood of long
term extreme heat events and less likelihood of extended
dry conditions in the summer season.”
So far, Edwards said El Nino has been bountiful in bringing rain to our drought-plagued region of just four weeks
ago.
?iGrow
2015 Agriculture
Land Values Are In
Posted Thursday, June 4th, 2015 by SDSU iGrow
Categorized: Livestock, Profit Tips, Agronomy, Profit Tips
BROOKINGS, S.D. - The results of the 2015 SDSU South
Dakota Farm Real Estate Survey have been released and are
available on iGrow.
This 2015 SDSU S.D. Farm Real Estate Survey report contains information on current agricultural land values and cash
rental rates by land use in different regions of South Dakota.
The survey includes comparisons of values from past years.
“The land values are a tale of two different agriculture
economies ie. crops and beef cattle,” explains Jack Davis,
SDSU Extension Crops Business Management Field Specialist. “Agricultural land value changes this past year reflect the
sharp decline in crop prices and returns compared to record
prices and returns for beef cattle.”
The survey showed cropland values declined 4.8 percent
during the 2014 to 2015 year compared to an increase of
5.4 percent during the 2013 to 2014 timeline. Over the prior
three years, land values increased an average of 17.7 to 37.8
percent.
Rangeland and pasture values increased at double-digit
rates in 2015, increasing at a greater rate than 2013 at 7.9 percent and 2014 at 4.0 percent. “The 2015 increases are similar
to the double-digit rates occurring in the years 2010, 2011,
and 2012,” Davis said.
The survey provides land value information on a regional
level, along with cash rental rates by region and type of land
use. View the complete report with the electronic version of
this release at iGrow.
?iGrow
Monday, June 15 • 5 - 7 p.m.
Celebrating our newest
stylist and 1 year
anniversar y for
Renae Ellgen!
Special Offer
500 First Visit!
$
Looking
for the
best deal in
town?
Check
the
off
Renae or Courtney
5 O’Clock Somehwere/
Parrot Cove Casino & Bar
NEW LOCATION!
Serving Beer, Coffee & Cappuccinos ~ FREE POPCORN
2007 Broadway Ave., Yankton, SD • 605.260.0876
Monday-Thursday 9AM-Midnight, Friday-Saturday 9AM-2AM, Sunday Noon-8PM
CLASSIFIEDS!
MV Shopper
319 Walnut St.
Yankton, SD 57078
MV Shopper
M I S S O U R I VA L L E Y
M I S S O U R I VA L L E Y
605-665-5884