March 15, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says You Need To Talk To Parents By Dave Ramsey Dear Dave, My boyfriend is wondering if he should buy life insurance for his mom and dad. They’re both in their seventies, and they’re no longer married to each other. His mom is disabled and remarried, and she doesn’t have any life insurance coverage. The only coverage his dad may have would be through his employer. He’s afraid he would have to pay funeral expenses if one of them died, and he’s not in good enough shape financially to do that right now. What’s your advice? —Cherie Dear Cherie, If the only insurance his dad may have is furnished through his employer, then yeah, when he stops working he probably won’t have life insurance anymore. It would be fine if he wanted to buy them each a small policy, but it’s going to be very expensive at their age. He would have to get them to sign off on it, and they’d also have to be healthy enough to have a policy issued. This isn’t a good long-term plan, however. As a long-term plan, I’d tell your boyfriend that he needs to build up his own wealth. If he had $15,000 to $20,000 in savings, that’s more than enough to bury two people. I don’t mean to sound insensitive, but we’re talking about the economics involved in this kind of situation. You can have a nice funeral for as little as $5,000. The other thing I’d do if I were him is I’d have a discussion with mom as to whether or not the stepfather has the funds to handle this sort of thing. When it comes right down to it that would be his responsibility, not the son’s. Then, he should have a similar discusDave sion with his dad. If his dad’s got insurance through work, and the stepdad is ready to pay for his mom’s burial, then I wouldn’t buy insurance on them. They’re covered for the immediate future. So I wouldn’t do it unless they absolutely don’t have this sort of thing covered. Even then I’d prefer you just cover it with cash, because all we’re talking about is just enough to cover burial costs. Nothing needs to be elaborate. I hope this helps, Cherie! —Dave Ramsey Pausing the Baby Steps to celebrate? Dear Dave, My wife and I are in Baby Step 2 of your plan, and we’ve got our twentieth wedding anniversary coming up in a few months. We had always planned on taking a 10-day luxury trip to celebrate, but now that we’re trying to get out of debt it seems pretty unrealistic. Should we pause the Baby Steps and celebrate like we originally planned, or would it be better to concentrate on paying off debt? It happened just the other day for the first time since … Halloween? Yeah, around then. —Don Sun. Yes, the sun came out and put the tiniest tickle of warmth right there on the back of the neck, and that flipped Dear Don, the switch into springtime and left us dreaming of tire swings If it were me, I’d want to pause and cel- on Lewis Creek, casting stonefly nymphs to tempt a rainbow ebrate in a smaller way. Then, in a year or trout, planting things that will one day give shade to us and two when you’ve reached your goal of be- others. We even look forward to mowing the lawn! Well, the ing debt-free, you could have a big double first mowing, anyway. celebration — for your anniversary and After that, it becomes a chore. for gaining control of your finances. Spring! A time for renewal, for plans, for work. A time Think about it. Why isn’t the twentyto paint the kitchen, paint a painting, paint the dog, take a first, twenty-second or twenty-third gardening class, tie fishing flies, read a book. Hey … write a anniversary just as big as the twentieth? book! Dig up weeds, go to a baseball game, have a baby. Fall No reason really. It’s just an arbitrary milestone we as human beings decided on in love. Not necessarily in that order. and created. But you can “undecide” stuff This spring, I’ll sit out back in the sun with my guitar and like that anytime you want. that little chord wheel the grandkids gave me for Christmas. If you two, as a couple, are in agreeAnd I’ll learn two new chords. Hey, I’ll learn two new chords ment on that point, then it suddenly every week! becomes easier to delay pleasure in order By summer, Carnegie Hall! to win. And trust me, when you agree on (If I have enough money for a ticket, of course) things like that, the celebrations become Recipes. New ones. A trip to someplace exotic where I’ve even sweeter! never been. North Dakota? Sure. Why not? —Dave And this spring I’ll diligently sit down and plan how to load cartridges for the deer rifle that will dot the i on the Dave Ramsey is America’s trusted voice on money and business and CEO of Ramsey word “idyllic” at 200 yards, even if diligence is one of my least Solutions. He has authored five New York favorite words. Times best-selling books. The Dave Ramsey Well, at least I can wash the pickup. Show is heard by more than 11 million listenIf it doesn’t look like rain …. ers 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. Community Conversations by Bush Foundation Celebrate National Nutrition Month BROOKINGS, S.D. - Celebrate the importance of healthy eating by focusing on healthy eating patterns this March during National Nutrition Month. “This year’s theme encourages everyone to Savor the Flavor of Eating Right by taking time to enjoy food traditions and appreciate the pleasures, great flavors and social experiences food adds to our lives,” explains Megan Olesen, SDSU Extension Nutrition Field Specialist of the holiday organized by the Academy of Nutrition and Dietetics. Olesen said the emphasis is aimed at balancing food and beverages as part of a healthy eating pattern rather than focusing on a specific food and nutrient. “The overall goal is to achieve and maintain a healthy weight, develop sound physical activity habits, reduce the risk of chronic disease and promote overall health,” she explained. “How, when, why and where we eat are just as important as what we eat. Develop a mindful eating pattern that includes nutritious and flavorful foods - that’s the best way to savor the flavor of eating right. Where to begin? If you are ready to start making small shifts in your eating pattern for a healthier you, you may be wondering where to start? Before running to the grocery store, Olesen and her colleague, Megan Erickson, SDSU Extension Nutrition Field Specialist say it is important to know how to make informed food choices based on your individual health and nutrient needs. She outlines some tips below. Learn Your Needs: Your age, gender, body type, family history, existing health conditions and daily routines all play an important role in developing a healthy eating pattern that is right for you. A healthy eating patterns includes the 5 food groups from MyPlate, found online. “Basically it encourages you to make half your plate fruits and vegetables, aiming for half your grains to be whole grain, selecting lean protein sources and choosing fat-free or low-fat dairy foods,” Erickson said. SHOP NOW!! SPECIAL PRICES!! We will be closed for medical leave March 16 thru March 24 SHOP NOW! Find Your Foods: In order for you to make informed food choices, it is crucial to understand what is in your food. According to the new 2015-2020 Dietary Guidelines, some ways to improve your eating style is to choose healthier foods more often in place of foods with added sugar, solid fat, or salt. “By choosing to include healthier foods and beverages more often, you can still enjoy those less healthy items on occasion,” Olesen said. Know the Facts: Reading a food label can be daunting as it offers an abundance of information. When buying food that is in a package, Olesen said it is helpful to read the labels to know if it fits into a healthy diet. Quick Tips: 1. On the nutrition facts label, the higher the ingredient on the list, the more of that ingredient is in the product. Therefore, you can easily determine if a product is made with a lot of sugar, fat, salt, etc. if they are high on the ingredients list. 2. When an ingredient is reduced like sugar for example, it is often replaced with another unhealthy ingredient to aid in the flavor. That is why it is always important to read the nutrition facts label and ignore the front of package claims. Visit with a professional: Speaking with a Registered Dietitian Nutritionist will help you learn what your body’s nutrition needs are. “Understanding your nutritional needs will help you to reach a healthy lifestyle and decrease the risk of chronic disease,” Erickson said. “A Registered Dietitian Nutritionist will help you understand which foods can fit into your healthy eating pattern while keeping your tastes and preferences in mind.” Registered Dietitian Nutritionists provide credible and scientific-based food and nutrition information and are committed to helping people enjoy healthy lives. The Academy of Nutrition and Dietetics, can assist you in finding a registered dietitian nutritionist in your area if you should have any questions about a particular dietary concern or would like further information on what registered dietitian nutritionist services are offered in your community. Your health care provider is another great resource on assisting you with any health related issues related to diet. Boston Shoes to Boots 312 W. 3rd • Yankton • 665-9092 Cabinet Rummage Sale March 14th to 19th Lunch will be served in Lesterville, March 17th from 11 a.m. - 2 p.m. Cabinets • Counter tops Vanities • Onyx Tops Lots of mouldings Priced Below Cost! Hurry! Best Selection! (Even some displays for sale below cost) Huge Discounts on all Brands of Ag Tires Bonus Cash Day Specials $7 off oil changes $30 off set of 4 passenger or light truck tires 50 cents off Package Cenex oil 15% Discount on ALL service work Tabor Lumber Cooperative 104 Main St • Lesterville 605-364-7522 137 N. Lidice • Tabor 605-463-2251 Open House Saturday, March 19th 2-4 pm 404 Brown St •Gayville, SD Spacious ranch with open floor plan. Large open living kitchen area, 2 bedrooms, 2 baths. Kitchen features island with separate dining area. Main floor laundry. Large unfinished basement with lots of potential for future family room. Attached double car garage with alley access. Addition and updated in 2010. Melvin Walz Broker Associate Office: 605-624-4474 Mobile: 605-670-1694 BROOKINGS, S.D. - SDSU Extension will host a comprehensive food-safety training for growers of fresh produce at the SDSU Extension Regional Center in Mitchell April 1-2, 2016. The event will run from 9 a.m. to 4:45 p.m. both days. “This workshop is designed to assist small-scale commercial fruit and vegetable growers in South Dakota in lowering food safety risks, and in maximizing produce quality and shelf-life,” said Rhoda Burrows,Professor & SDSU Extension Horticulture Specialist. The workshop will also prepare growers to apply for thirdparty food safety certification, and to understand requirements for sales to institutions, food hubs, or other buyers needing food-safety assurance. What to expect: Participants in the 12-hour training will learn how to integrate food safety systems with cost-effective, scale-appropriate production and post-harvest practices. Sessions will be hands-on and scenario based, and will help growers to identify and minimize potential risks on their own farms, learn how to keep needed records, and write Food Safety Action Plans that will be compliant with new FDA rules. The workshop presenter, Atina Diffley, is a Minnesota organic farmer, author and educator who brings a wealth of practical experience and knowledge of vegetable production and post-harvest practices and marketing. Diffley operated Gardens of Eagan, a 120-acre certified organic vegetable farm, from 1985-2007 and sold produce through a retail stand and to co-ops and restaurants in the Twin Cities. Since 2010, she has been a trainer and writer for FamilyFarmed.org’s national Wholesale Success program, providing education on food safety, post-harvest handling, and marketing. To register Registration for the event is due by March 24, 2016. Registration cost for the training is $85 per person. An additional person from the same farm may attend for a cost of $60. No handouts or materials will be included at the reduced $60 registration fee. After March 24, a late fee of $15 per person will be charged. The fee includes lunch both days, coffee breaks, and materials; the first 20 ($85 registrants) to register will also receive the book “Wholesale Success,” a 315-page guide to post-harvest processing and storage. To register, send a check made out to “SDSPA” to: SDSPA, c/o Cory Tomovick, 23637 Strato Bowl Road, Rapid City, SD 57702. Class size will be limited; so register now. If you have registration questions, e-mail Tomovick. For more information about the workshop, contact Burrows at 605.394.2236 or by email. 309 W. 11th St • Yankton 605-668-2168 Always LOW Liquor Discounts! Busch & Busch Light 605-665-7865 109 W. 3rd St. in Downtown Yankton 30pks 16.35 $ COWBOY LOGIC IF THE GATE’S OPEN, CLOSE IT. JUST MAKE SURE YOU'RE ON THE RIGHT SIDE WHEN YOU DO. For those of you who attended our annual SOIL HEALTH WORKSHOP, A BIG THANK YOU! For those who missed, you are more than welcome to step through our gate anytime. Stop out and learn more about how our nutrition can make your SOIL WORK! (6 05) 2 6 0 07 8 4 · 42 00 W 8 th S t · Yan k to n , SD 57 07 8 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 Too many mouths to feed? Place an ad in the Missouri Valley Shopper today! 605-665-5884 319 Walnut • Yankton, SD