January 26, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Thankfulness And Boundaries By Dave Ramsey Dear Dave, My fiancé and I are getting married in May. He’s a youth pastor, and I’m in grad school. His mom and dad found a home they think we’ll like, and they want to gift us money for a down payment. I’m not sure how I feel about this under our present circumstances. Do you think we should go ahead and accept when I’ll still be in school and we’ll still have debt to pay off? —Emily Dear Emily, You need to get to know each other before you buy a house together. I always recommend that young couples rent for a year and concentrate on each other, the new marriage, cleaning up any debts you have, and establishing an emergency fund. Then, after another year or so when you’ve had time to take control of your finances, the idea of looking for a home becomes much smarter. It sounds like your future in-laws are really generous people. They’re trying to do something nice for you two, but they kind of got out ahead of things with this idea. And in the process, they violated some boundaries in your relationship with your fiancé. My advice is to have a conversation with your fiancé about all this and get on the same page about what is the smart thing to do. Then the two of you need to have a loving discussion with his parents. Let him do most of the talking, and say thank you a lot, but let them know you both feel it would be best to start out by renting something for a year or so. Dave Then after a little time has passed, tell them if they still want to help with a down payment, you’d both be very grateful. I think this approach would be good for the boundary issues and for your finances! —Dave Ramsey Welcome to life Dear Dave, Our son just turned 8 years old. Is it time to start giving him an allowance? —Dan Dear Dan, There’s never a time for an allowance, no matter the child’s age. In my mind, that kind of thinking is the best way to plant the seeds of entitlement. You don’t want your son growing up with the idea that he’s owed money simply because he’s alive. Instead, work out a plan to pay him commissions. Assign him weekly chores that are age-appropriate. Then, when the work gets done, he gets paid. And guess what? If the work doesn’t get done, he doesn’t get paid! Not only do we want to teach a healthy work ethic, but we also want him to learn that work creates money. Of course, there are some things a child should be expected to do without financial reward. Everyone needs to pitch in and do certain things to help out when they’re part of a family. But once you’ve taught him about work, make sure to also teach him about the three uses for money—saving, spending, and giving. Lessons on the basic handling of money are some of the best teachable moments you can have with your child. Not only does it make them more knowledgeable about finances, it helps them learn about life! —Dave Dave Ramsey is America’s trusted voice on money and business as well as the CEO of Ramsey Solutions. He has authored five New York Times best-selling books. The Dave Ramsey Show is heard by more than 11 million listeners each week on more than 550 radio stations and digital outlets. Dave’s latest project, EveryDollar, provides a free online budget tool. Follow Dave on Twitter at @ DaveRamsey and on the web at daveramsey.com. Why are winter mornings so heartbreakingly special? They’re sure cold, at least around here. And with the snow you’d think they’d be white, too. But they aren’t, are they? In the morning there is a tinge, a golden … no a yellowish cast to the snow, the sky, and the trees. It is more like those catalog pictures of yellow diamonds. You know… the diamonds we don’t really want because the ladies don’t want anything but the clear diamonds, but the ones that look more interesting because there’s some color there? If men bought diamonds for themselves, we’d probably go for the yellow ones, because they’d remind us, even in the broiling heat of summer, that a morning in January has a yellow-diamond cast to it. And the evenings are special, too. When the sun starts to set, the snow and the sky and the trees take on that glow that is a combination of orange and pink. It’s the singular color of winter dusk and makes us want to paint the walls of a cabin that color to remind us of the endings of winter days. It’s the color that’s so pretty we don’t even talk about it with other people because it would sound kinda silly. In Alaska, they call it “alpenglow.” It’s as good a name as any. Isn’t it strange how these wintry days that are supposed to be white and gray and dull and depressing are still able to give us these two delicious colors we can tuck away in our memories and trot out when we need them? Let’s hope we can give each other special little memories this month that we can use when we need them, too. Seems like the right thing to do. Jolene Brown Speaker at Watertown Farm Show CAFO Training Held in Huron March 3 BROOKINGS, S.D. - An environmental training session for operators of Concentrated Animal Feeding Operations (CAFO), is set for March 3, 2016 in Huron at the Crossroads Convention Center (100 Fourth St. S.W.). Registration begins at 8:30 a.m. in Huron. The cost is $50 and includes lunch, breaks and training materials. The program begins at 8:50 a.m. and concludes at approximately 4:45 p.m. Specialists from SDSU Extension, South Dakota State University, the South Dakota Department of Environment and Natural Resources, and the Natural Resources Conservation Service are offering the training. Training meets CAFO permit requirements and provides Certified Crop Advisor Credits This training fulfills the environmental and manuremanagement training requirement to obtain a livestock permit for CAFOs from the South Dakota Department of Environment and Natural Resources. Certified Crop Advisor credits for are also available for attending this program. In the fall of 2015, the S.D. Department of Environmental and Natural Resources started the process of reissuing its general water pollution control permit for concentrated animal feeding operations and the public comment period on the draft permit has closed. A contested case hearing will be scheduled in 2016 with a final general permit containing the final permit conditions issued thereafter. The proposed permit requires existing permitted operations to obtain coverage under the proposed Congratulations Yankton Seed Library The Yankton Area Chamber of Commerce Ambassadors hosted a Ribbon cutting for Yankton Seed Library at their location in the Yankton Community Library, 515 Walnut Street. Tahe mission of the Yankton Seed Library is to increase our ability to feed ourselves wholesome food while enriching our natural surroundings by offering free local fruit, vegetable and flower seeds raised by and for Yankton area residents; and complimentary information, instruction and education about gardening. Hours are Monday – Thursday: 9:00 am – 8:00 pm, Friday-Saturday: 9:00 am – 5:00 pm and Sundays: 9:00 am – 5:00 pm. They can be reached at 605-668-5275. permit between one to four years after it is issued. The proposed permit requires existing permitted operations or an onsite representative to have attended an approved environmental training program within the last three years. This current training program meets the training requirement of the proposed permit as long as it is attended within three years of any existing permitted operation obtaining coverage under the new permit. Producers and any other interested individuals who are not currently applying for a permit can also benefit from the information and are encouraged to attend. Current federal (EPA, USDA) and state water pollution control programs encourage livestock producers, even those who do not need permits, to voluntarily adopt livestock production and manure management practices that protect water quality. Speaker line-up & presentation details Erin Cortus, SDSU Environmental Quality Engineer will discuss water quality; Bob Thaler, Professor & SDSU Extension Swine Specialist will lead a session on livestock nutrition options for reducing nitrogen and phosphorus content of manure; Jason Roggow, a natural resources engineer with the South Dakota Department of Environment and Natural Resources, will give an overview of the South Dakota DENR Livestock Permit program; Anthony Bly, SDSU Extension Soils Field Specialist, will discuss managing nitrogen and phosphorus in land applications of manure. Bly, along with Jason Gilb, Conservation Agronomist with the USDA Natural Resources Conservation Service will go through nutrient management planning worksheets. John Lentz, Resource Conservationist with the USDA Natural Resources Conservation Service will cover implementing conservation practices to improve sustainability. Erin Cortus, Assistant Professor & SDSU Extension Environmental Quality Engineer will conclude the day’s training with a session on air quality and odor. “Past attendees of this program have come away with at least one new practice they consider adopting related to land application, livestock feeding, air quality or soil conservation,” Cortus said. To register for the training, contact Erin Cortus, Assistant Professor & SDSU Extension Environmental Quality Engineer at 605.688.5144. iGrow Posted Wednesday, January 20th, 2016 by SDSU iGrow Categorized: Livestock, Profit Tips, Agronomy, Profit Tips, Healthy Families, Family & Personal Finance, Community Development, Communities BROOKINGS, S.D. - SDSU Extension is invites agriculture producers to attend a presentation given by Jolene Brown, nationally recognized speaker and farmer, during the 2016 Watertown Winter Farm Show Feb. 12 held at the Codington County Extension Complex and Park & Rec Fieldhouse (1910 West Kemp). “Transitioning farm management to the next generation is a major issue facing families in South Dakota and across the country. All too often communication problems derail the best-laid plans and intentions,” explained Warren Rusche, SDSU Extension Cow/Calf Field Specialist. “Jolene Brown will be discussing these important topics.” Speaking Schedule 10 a.m. (CST) Stop Fighting on the Way to the Funeral Home: It happens far too often in agriculture. Promises are spoken and broken and facts are assumed. Before long, the family is fighting on the way to the funeral. Jolene shares valuable points from real stories to help families avoid long costly fights. 1:30 p.m. (CST) Farmer Brown on Family Business: In a no-nonsense interactive question and answer session, Jolene will listen to stories, questions and concerns about family businesses, along with her insight from visiting with farm families across the country. No pre-registration is required for this event. 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