February 2, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Should Money Be Put Towards Seminary? a month. It’s always better to have the cash you earn in your pocket rather than parking it with the IRS interest-free every year. Best of luck in your new career, Bradley! —Dave By Dave Ramsey Dear Dave, My wife and I recently followed your plan and became debt-free, and we’re committed to never going back there again. Currently, I work for the state but I’ve been feeling God’s calling to the ministry. We’ll get an income tax refund of about $4,500 this year, and we’ve both agreed to put that money toward my first semester of seminary training. Does this, along with saving money as we go, sound like a good way to pay for this? —Bradley Dear Bradley, I love the move to get out of debt, and the fact that you and your wife are determined never to go back there. If you truly feel that you’re being called by God to be a pastor or some other form of ministerial work — and you’re both in agreement on how to make it happen — I think that’s great, too. Just remember your promise to stay away from debt in making it happen. But I did hear one problem you need to fix. You should stop having so much income tax withheld from your paychecks. That $4,500 you mentioned is the result of one or both of you overpaying your taxes. For the future, make sure to adjust your withholdings $375 Dave Ramsey Avoid the gimmicks Dear Dave, What kinds of insurance should I avoid? —Rhonda insurances, like double indemnity for accidental death. Think about it. You’re not double-dead if you die by accident; you’re just dead. Your family needs the same amount of money whether you die by accident or heart attack. If you have a family, I suggest 10 to 12 times your annual income in a good, level term policy. Also, stay away from cancer insurance policies. Your regular health insurance policy should include cancer coverage. If it doesn’t, you’ve got a crummy policy and you need to get a better one right away. Dear Rhonda, So, for the coverage you do need, we’re looking at level term life insurance, good health insurance, long-term disability and homeowners and/or renters insurance. Throw in auto coverage and, once you hit age 60, long-term care insurance and you’re pretty much set! I also don’t recommend gimmick Dave Ramsey is America’s trusted voice on money and business, and 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. Well, in the life insurance world, you should buy only term life insurance. Avoid any kind of insurance that has a savings program built into it — things like whole life, universal life and variable life. Another thing to avoid is return of premium. This is where an insurance company charges you extra, but gives all your premium money back if you don’t use the policy. It sounds good, but if you’d just invest the extra you pay for that stuff, you’d get all your premiums back, and more, whether you used the insurance or not! —Dave Windy’s pickup truck was the third one to arrive at the scene of the fender bender. Both cars pretty well plugged up the road, and once it was determined no one was hurt, and the police had been called, Windy surveyed the situation. 1. Weather – decent if you’re wearing a coat. 2. No one’s going anywhere for a while. 3. A small crowd had gathered on the shoulder of the road. A small crowd? Nay I say unto you, not in the world of Alphonse “Windy” Wilson. That there, gentle reader, is an audience. “You folks come here often?” he asked these strangers. They looked at the fields and the cattle and shook their heads no. That, you see, was the icebreaker. The tip of the iceberg icebreaker. “Yessir, now you take in there these car accidentals. Brings me to mind of the time ol’ Harvey drove his wheel tractor flat into Myers Lake that morning. Seems his occidental rod twitched into third degree and afore you know it, he’d had a discomfortation right there in the water. “Nice warm day, howsomever. Summer you know. Yessir. That was the summer it heated up so much Old Man Garcia’s hens started layin’ soft-boiled eggs. That’s a fact. He brought one over to my house and he cracked it open and showed me. Soft-boiled. Sure as sugar. He took one down to the Mule Barn truck stop and showed it to the boys later. It sure did make them laugh. Saw ‘em through the winder. “It was so hot people in these parts started running between shady patches. It was so hot … wellsir, me and Doc figured ol’ Harve mighta just driv that tractor into the lake on purpose! Had to wader on outta there, ‘course, and that cooled him down a mite. Ever’ kid in town had one a them squirter guns, and may my spur rowels lock tight and get the peewaddles if there weren’t grown-ups askin’ them kids to squirt ‘em!” “Now when’s the last time you saw that? Thought so. That was one hellvetius hot summer, friend, and you can tell ‘em I said so.” Free Soil Health Workshop Feb. 18 in Mitchell When you place your ad in the classifieds! MV Shopper MV Shopper Beautiful M I S S O U R I VA L L E Y In Print and Online! • Call 665-5884 M I S S O U R I VA L L E Y 2016 Baby Contest BROOKINGS, S.D. - SDSU Extension, The South Dakota No Till Association and USDA-NRCS will host a Soil Health Workshop in Mitchell, Feb. 18, 2016 from 9 a.m. to 4 p.m. at Mitchell Tech Institute in the Technology Center Amphitheater, 1800 Spruce St. The Feb. 18 meeting will be the third in a series of soil health workshops held across South Dakota this winter. The workshop will feature experts from across the state and region and will focus on building soil health, no till, and cover crop production. Speaker line-up Dr. Stevan Knezevic presentation will focus on weed resistance issues and how to manage them. Knezevic is a weed specialist from University of Nebraska - Lincoln who has specialized in weed research in field crops, rangeland, pasture and wet- lands for 20 years. South Dakota State University and SDSU Extension staff will provide attendees with an update which highlights current SDSU research on nitrogen management, no till, and cover crops. Presenters include: Anthony Bly, SDSU Extension Soils Field Specialist; Pete Sexton, Associate Professor & SDSU Extension Sustainable Cropping Systems Specialist and Dwayne Beck, Manager, Dakota Lakes Research Farm. Dr. Jerry Hatfield from the National Laboratory for Agriculture and the Environment in Ames, Iowa. Hatfield’s presentation will focus on Soil Health: The Foundation for Efficient Crop Production and Climate Resilience. He will be joined by Dr. Ray Ward from Ward Labs in Kearney, Nebraska who will present on Soil Fertility Impacts on Soil Health. A group of producers will share their experiences on cover crops, no till and soil health during a producer panel discussion. The workshop will end with a presentation from Jeff Zimprich, S.D. State Conservationist, Natural Resources Conservation Service. Registration necessary for free event In addition to the workshop hosts, this and other soil health workshops are supported by local conservation districts and private industry. Certified crop consultant educational credits will be available during the workshop. This event is free to the public. To accommodate for lunch, organizers are asking that attendees pre-register by calling the Davison County Conservation District office at 605.996.1564 ext 3. niGrow NUTRITION t o mak e yo ur SOIL WORK BUY LOCAL , EA T L OCAL , F ERT IL IZE L OCA L We will be featuring our annual “Beautiful Baby Contest” in print and online on Wednesday, February 24 If you or someone you know has a child we would love to include them in our feature! To enter, simply submit your photo and entry form with a $10 submission fee by Wednesday, February 17 First place winners in the folllowing categories will receive a framed winners print and prize. 1) newborn-6 months 2) 7-12 Months 3) 13-24 Months 4) 25 Months-4 years 5) Multiple Births Submit Entry To: Yankton Daily Press & Dakotan 319 Walnut St. Yankton, SD 57078 Entry Deadline: Wednesday, February 17 Beautiful Baby Contest Category#___________ Age:____________ Date of Birth_________________ Child’s Name_______________________________________________________ Submitted by/phone number____________________________________________ Relation to Child____________________________________ Winners will be selected by the staff of Yankton Medial Inc. Employees and family members of Yankton Media Inc. are ineligible to win. *Submissions of this form authorizes the publication of child’s photo in this contest in print and online at www.yankton.net. Submission fee ($10) must accompany entry form to be void. Only child’s name and name(s) of person submitting will be printed in paper. (Example: Jon Doe, submitted by parents Bob & Beth Doe) If you plan to feed that conventional seed the same as a genetically modified seed your yield will suffer. Conventional seeds need high quality, low salt, nutrition. Conventional seed needs SOIL WORKS. Start the conversation at: (6 05) 2 6 0 078 4 · 42 00 W 8 th S t · Yan k to n , SD 57078 w w w . gs rc al c i um.c o m SOIL WORKS LLC yo ur LO CA L chem i cal fr ee fe rti li zer ma n u fa ct ur er