February 23, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Don’t Tithe With Credit Cards But I don’t want a giving situation to your church turn into debt to you. And it does just that when it’s a credit card! —Dave By Dave Ramsey the insurance takes care of things instead of putting you in the position of having to pull tens or hundreds of thousands of dollars out of your own pocket for a new home—also something most people can’t do. No, I don’t insure inexpensive things like smartphones. And if a smartphone is an expensive item to you, then you probably shouldn’t have that phone. I mean, there’s nothing wrong with having a cell phone if you can afford it. But if you tear up a phone or it breaks down and you can’t afford to replace it out of your own pocket, then you’ve got too much phone! —Dave Marjorie Pincus looked out the front window at her husband, Marvin, and smiled. No matter how old he gets, she thought, he’ll always be the boy I remember, riding his bicycle through this town so many years ago. Marvin had stopped picking out the nutgrass and was watching a small group of children across the street in the park. Two of them had kites, and the brisk wind of morning Dear Melissa, had them both up as high as string would allow. Soon, Marvin Don’t insure cell I’m against debt, so I’m not particularhad ambled across the street and was standing behind the phones ly fond of churches asking people to use children, watching the taut dip in the string and listening to Dear Dave, a debt vehicle to pay their tithes. I realize Dave the rattle of the tight paper. I just bought a that few businesses and organizations disThe first time Marvin Pincus flew a kite in this park, new smartphone, tinguish between debit cards and credit airplanes didn’t go very far or very fast. The other side of the and the company I’m cards when accepting payment. However, moon was a mystery in those days, and no one really thought with offers insurance this practice bothers me a lot when it man would ever go there and back. Not really. for the device. Do comes to churches. The Bible mentions debt several times in Scripture, and every you think it would be wise or foolish to And here these kids are, flying their kites the very same Dave Ramsey is America’s trusted time it does, it’s always in a negative light. do this? voice on money and business and CEO of way, with the very same rag tails, and looking up at the earth—Lisa It’s not a salvation issue or anything like tied fliers climbing with the gusts and settling with the relaxaRamsey Solutions. He has authored five that, but the Bible basically says debt is a tion of the breezes. New York Times best-selling books. The Dear Lisa, foolish thing. Marjorie watched from across the street as the Herrera Dave Ramsey Show is heard by more The purpose of insurance is to Now, I think e-giving in itself is fine. boy walked over to Marvin, whispering something as Marvin than 11 million listeners each week on transfer a risk that you can’t afford to But if I were the pastor or on the leadermore than 550 radio stations and digital leaned down to hear, and then handed the stick with the take. When it comes to things like cars or ship board, and we had an e-giving prokite string tied to it to the old man. His face beamed as he houses, I absolutely recommend that peo- outlets. Dave’s latest project, EveryDolcess, I would strongly encourage people lar, provides a free online budget tool. controlled flight once again. The kids smiled, too, probably ple have insurance. Most folks couldn’t to use debit cards and not credit cards. Follow Dave on Twitter at @DaveRamsey not realizing kite flying was the same when Mr. Pincus was a just write a check for another car if the There’s nothing wrong with a draft or an and on the web at daveramsey.com. kid, too. one they drive were totaled. It’s the same ACH kind of thing. A lot of people do that with a house. If your home is destroyed, But what about the dreams? Marjorie thought about this. and like the ability to give online. What goes through the minds of today’s kite fliers who know what the surface of Mars looks like, who know what the far side of the moon looks like, who know there are human beings in a space station, living up there, right now? What will their dreams be as the kites dance? What dreams will dance now as they stand there and Wood-fired evaporator who are interested in hobby hold the miracle of flight in their fingers? or backyard maple syrup McCrory Gardens visitors production, as well as those will again have the opporconsidering small comtunity to see maple syrup production in action this mercial production,” said spring. Graper. The workshops will be Schaefer will have a wood-fired evaporator onsite held in the following locawhich will be in operation tions: periodically to boil the sap Brookings: Feb. 18 from down to syrup. Once the 6:30 - 8:30 p.m., McCrory sap starts flowing - generGardens Education and VisiBROOKINGS, S.D. - One out of every 10 South Dakoally in mid-March, McCrory tor Center; tans is a caregiver. “These folks are among the most valuGardens will post an anSioux Falls: Feb. 23 from able resources in our community,” said Leacey Brown, 6 - 8 p.m., Regional Extension nouncement on the McCrory SDSU Extension Gerontology Field Specialist. “Caregivers Gardens website, and FaceCenter, 2001 E. Eighth St; support people with physical and cognitive limitations.” book pages. Aberdeen: Feb. 25 from Brown adds that on average, caregivers provide an 6 - 8 p.m., Regional Extension 18 hours of care each week. “What’s more, nearly half of “We are excited to be conCenter, 13 Second Ave. SE; caregivers work fulltime. In some cases, they also care Watertown: March 1 from tinuing the syrup project at for children 18 or younger,” Brown said. “Caregivers are the gardens this spring and 6 - 8 p.m., Regional Extenessential to keeping adults in their homes and communision Center, 1910 West Kemp we hope to see people come ties as they age.” out to learn more about the Ave.; While rewarding, Brown said caregiving is challengprocess,” Schaefer said. Yankton: March 3 from ing. 6 - 8 p.m., Yankton County niGrow Western South Dakota Caregiver Guide Extension Office, 901 Whiting To aid the folks who dedicate time to care for others, Dr. SDSU Extension together with the Black Hills Senior There is no cost to atInformation Network, put together the Western South BROOKINGS, S.D. - During Program Interim Coordinator tend the workshops, thanks Dakota Caregiver Resource Guide. the months of February and and Peter Schaefer, Profesto funding through the South “The need for this guide has been a long time coming. March 2016, Maple syrup sor of Forestry at South Dakota Dept. of Agriculture’s Many resources are out there for caregivers, but finding processing workshops will Dakota State University. Specialty Crops Block Grant them can be the challenge,” said Chad Ratigan, Executive be presented by David Grap“The workshops are Program. Director Western Resources for Independent Living. “I’m er, SDSU Extension Hortiintended for people with a hoping this guide will simplify the research that needs to culture Specialist and South few sugar or silver maple be done when looking for care or resources for people’s Dakota Master Gardener trees and/or boxelder trees loved ones.” This guide helps connect caregivers to resources and service providers across Western South Dakota. “The Guide is so important because it lets people NUTRITION know that there are people and organizations they can t o mak e yo ur turn to for help and support as they take this journey with their loved one,” said Kristi Barber, Certified Aging BUY LOCAL , EA T L OCAL , F ERT IL IZE L OCA L in Place Specialist, GBA Construction. The guide is now available on the 211 Helpline Database Resource Guides page. iGrow Dear Dave, What is your opinion of churches encouraging members to do e-giving with credit cards and debit cards? —Melissa Ramsey 2016 Maple Syrup Workshops Western S.D. Caregiver Resource Guide Too many mouths to feed? SOIL WORK F R E E S O I L H E A LT H WORKSHOP Place an ad in the Missouri Valley Shopper today! M A R C H 8 TH o r 9 TH Come join us from 9am -3pm at Jo-Dean’s Restaurant, 2809 Broadway Yankton, SD. Topics to be discussed will be fertility for high-yielding crops, starter programs, and how to improve your soil’s health. Registration begins at 8:30am. The workshop is the same each day so you can choose which day to attend. Lunch is on us! Come for the food, stay for the education 605-665-5884 (6 05) 2 6 0 078 4 · 42 00 W 8 th S t · Yan k to n , SD 57078 www. gs rcal ci um.co 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 319 Walnut • Yankton, SD Don 't Blow It! Breathe easy with John Deere Air Filters at Grossenburg Implement. To save you some green, and some breath we’re offering a 16% discount on all John Deere Filters between now and the end of March. Not to mention no interest, no payment on purchases over $1,000 until April 30th. Don’t blow it. Visit Grossenburg Implement today. 16 % DISCOUNT ON ALL JOHN DEERE FILTERS Visit grossenburg.com or the location nearest you in South Dakota or Nebraska Winner, SD 800.658.3440 Pierre, SD 800.742.8110 Philip, SD 800.416.7839 Bloomfield, NE 800.658.3252 Hartington, NE 800.624.7826 Wayne, NE 800.343.3309 Grossenburg.com n Precision Agriculture Conference BROOKINGS, S.D. - The 17th Annual Aberdeen area Precision Agriculture Conference will be held March 1, 2016 at the Best Western Ramkota conference center (1400 8th Ave NW, Aberdeen). The 2016 conference will highlight climate and weatherdriven decision making tools, and a keynote presentation by the South Dakota Secretary of Agriculture, Lucas Lentsch. Climate Corp. and Encirca Services are supporting sponsors of this year’s conference. Both companies will be presenting in the general session, and are planning booths in the trade show. Other vendors in the trade show area include; Wheat Growers, MZB, North Central Farmers Elevator, and many others. Some other new exhibitors include the USDA Regional Climate Hub and MavRx. In addition to the general session and trade show, industry representatives will host small group sessions to discuss the latest in precision ag technology and programs. Representatives from John Deere, Titan/Case IH, AgLeader, Butler Machinery, 360 Yield Center, and Precision Planting will be on site in the afternoon. A drawing for door prizes will be held at the end of the conference. Registration information Early bird registration is $30 before Feb. 23, 2016. To register online visit the iGrow events page. Registration includes lunch and breaks. After February 23, registration is $35. Onsite registration is available, but payable only with check or credit card. For information regarding a booth in the trade show, please contact Aaron Franzen, with SDSU Department of Ag & Biosystems Engineering by email here. This year’s conference is organized by Laura Edwards, SDSU Extension Climate Field Specialist; Brent Wiesenburger, S.D. Wheat Growers; Curtis Jandel, North Central Farmers Elevator; Rick Hansen, Precision Ag Solutions; and Aaron Franzen, SDSU Department of Ag & Biosystems Engineering. niGrow