May 10, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Condos Are Fine, But Do Your Research Dairy Cattle Judging Schools for Youth BROOKINGS, S.D. - SDSU Extension hosts several Dairy Cattle Judging Schools throughout South Dakota free to youth. By Dave Ramsey Dear David, like a rock — because “These schools are a great way for youth to gain experiIn terms of mathematics, I would you’ve only got cash ence and lifelong decision making skills,” explained Tracey advise looking at it the same way you buyers and investDear Dave, would a small business. The goal, first ment buyers at that I know when it comes to investing you Erickson, SDSU Extension Dairy Field Specialist. and foremost, is to keep the doors open point. like mutual funds and paid-for real estate. During these schools beginners and first time judges in case something bad happens. The secResearch on What do you think about using condowill gain understanding & develop skills in the following: ondary goal could be to pay bills on time these kinds of things miniums as investment properties instead for the sake of the church’s reputation, doesn’t take an awful * Identifying basic cattle body parts and correct strucof single-family homes? and the third goal would be to do all this lot of work. Just call —Jason ture; without putting a strain on the organizathe management * Taking organized notes to defend their decisions; tion. In business, we would call this fund company, and the reDear Jason, Dave * Properly delivering a set of oral reasons; and “retained earnings.” Technically, a church altor who’s involved I don’t really have a problem with doesn’t have earnings, but they do have if it’s listed, and ask condos as paid-for investments. I own a * Evaluating and ranking cattle based on the Dairy Cow income. You’ll want to retain some of that for the documentacouple of them myself. When it comes Unified Scorecard. on a regular monthly basis. tion. Most of the time to making this kind of investment for the More experienced judgers will expand their knowledge this sort of stuff is first time, however, I would advise that For a church, basic things like payand practice of the following: public information, so it’s not hard to acyou keep a few things in mind. roll, utilities, insurance and taxes would cess. Some other questions you might ask need to be covered under an emergency Based on equal price and equal neigh* Identifying correct dairy cattle breed standards; are: What are the reserves for the roof? borhood, the average single-family home fund. Coffee and donuts, new hymnals, * Dairy Cattle Selection through performance and pediWhat are the reserves for paint and the will probably increase more in value over and mission trips aren’t necessities. You gree evaluation; and parking lot? Are they collecting enough the years. Now, a nice, well-placed condo should already be running a monthly * Delivering oral sets of reasons utilizing proper note to pay their bills, and are they actually will obviously go up in value faster than and annual budget on the church, so paying their bills? a traditional house in a lesser neighbortaking techniques. separate the necessities per month and Then you start looking at things from hood. So speaking in an overall sense, multiply that by a three to six month Event details a buyer’s perspective. Would I want to they’re not bad investments if you do figure. Claremont, S.D. on May 25 beginning at 6 p.m. at Frey live in here and have my wife and children your homework. There’s a huge level of wisdom inView Dairy Farm hosted by Mike and Sara Frey (41161 here? Would a normal, reasonable person You have to think about what you’re volved in a church being debt-free, David. want to live here? If the answers are yes, getting into and also take into considera115th St. Claremont). Driving Directions: from Claremont, Congratulations! then you’ve probably got a good, solid tion a number of variables. What are the —Dave SD go 2miles north, 1 mile east, 1 mile north and 1/2 mile condo complex. HOA dues or condo fees going to be? Is east. Farm is on south side of road. —Dave the condo association being managed Dave Ramsey is America’s trusted well? That and the neighborhood are the Watertown, S.D. on May 26 beginning at 9 a.m. at SVP voice on money and business, and CEO two biggest concerns I have when buying Farm hosted by Steve and Vonda Ponto (17832 461st Ave. of Ramsey Solutions. He has authored The Church’s Emergency Fund a condo. A lot of condo associations are seven best-selling books. The Dave Watertown, SD 57201). Driving Directions: 1. From the Dear Dave, very poorly managed. And if they don’t Ramsey Show is heard by more than 11 Watertown I-29 Exit ramp on the east side of Watertown I pastor a small church that is debtprovide proper maintenance or keep million listeners each week on more than free. I’d like for us to save an emergency a certain percentage of the complex go east to first intersection, then south to stop sign, then fund for the church, but I’m not sure what 550 radio stations and digital outlets. owner-occupied versus rental, the condo east one mile, then south 2 miles to 178th Street then east would be considered an expense. Can you Dave’s latest project, EveryDollar, proassociation or complex can lose the abil2 miles, then south 1/8 mile. Farm is on East side of road. vides a free online budget tool. Follow help? ity to get normal permanent financing. If Dave on Twitter at @DaveRamsey and SVP Farm sign there. Or from the I-29 Clear Lake Castle—David they can’t get FHA, VA or conventional on the web at daveramsey.com. financing, the values are going to drop wood Exit: Exit ramp and go west to 461st avenue then go 4 3/4 miles north. Farm on east side, SVP Farm sign there. Ponto’s Contact phone 605.880.2493. Big Stone City, S.D. on June 14 beginning at 1 p.m. at SilverCrest Dairy Farm hosted by William and RayNelle Mueller (14652 486th Avenue; Big Stone City, SD). Driving BROOKINGS, S.D. - In the cover crop species such as cal properties. The use of a Moving forward, Wang Directions: From the Junction of US Hwy 12 & 15 in Milbank, Northern Great Plains, conlegumes and non-legumes,” diverse cover crop mixture said SDSU Extension and go east 8.3 miles on US Hwy 12, then south (right) on 485th verting grasslands to cropTobin said. such as radish, peas, oats, South Dakota State UniverAve. 0.5 miles, then 1 mile east (left) on 146th St., then lands can potentially reduce Cover crops can also be lentils, and sorghum-sudansity faculty will continue to south (right) 0.7 mile on 486th Ave. soil health. SDSU Extension used to achieve multiple grass can provide increased conduct research focused Baltic, S.D. on June 23 beginning at 6:30 p.m. at BoadAdvanced Production Speenvironmental benefits. “For biomass on the soil surface on ways to improve ecowine Farms, Inc. hosted by owner, Lynn Boadwine and cialist, Tong Wang, said that example, the cover crops that can alleviate the comnomic and environmental Dairy Herd Manager, Heidi Selken (46945 251st St. Baltic, introducing livestock into planted after harvesting paction impact under these sustainability of agricultural SD). Driving Directions: I-29 take Exit 94 (Baltic) go 1 and arable cropping systems can the main crop can reduce integrated crop-livestock systems through integrating 1/2 mile west to water tower, then 1 mile south on 470th reverse the negative impacts nitrogen loss by absorbing systems,” Kumar said. crop and livestock enteravenue, then 1/2 mile west on 251st street, farm on south by improving soil health residual fertilizer nitrogen,” Results from a South prises. side of road, use IN THIS SPOT? driveway. as well as adding profit per Tobin said. “Cover crops Dakota grazing study, funded “Our recently funded INTERESTEDlastJuly 20 beginning at 6:30 p.m. at Fieber Goodwin, S.D. on acre. also provide vegetative through a Natural Resources projects through the Natural Call 665-5884 to place your ad here. Dairy, Inc. hosted by Mike and Chris Fieber and Family “In the integrated crop cover during critical periods, Conservation Service - ConResources Conservation Ser(135 South Bowdoin Street, Goodwin, SD). Driving Direclivestock systems, cover which can significantly servation Innovation Grant vice and USDA-Coordinated tions: from the junction of I-29 and Hwy 212, go east 10.5 crops and crop residue proreduce the soil loss rate of showed that short-term graz- Agricultural Projects to Call 665-5884 (CAP) www.missourivalleyshopper.com miles to county road 312 (Goodwin corner) go 1 mile southwww.missourivalleyshopper.com vide feed to livestock, while croplands,” Tobin said. ing did not have a negative will help in providing shortplace long-term impacts your ad here. to Goodwin. At first four way stop sign, continue south 3 plants capture nutrients Short-term impacts of impact on soil properties. term and blocks (Fieber Dairy is on the South west edge of Goodwin, from the livestock waste,” grazing cover crops on soil “This included soil water of cover crops, grazing and SD). Wang said. health retention, bulk density, soil grazing cover crops on soil Visit our Web site at www.missourivalleyshopper.com Milbank, S.D. on July 21 beginning at 1 p.m. at Victory www.missourivalleyshopper.com Colin Tobin, Graduate ReWhen implementing an organic carbon and total health and crop producFarms hosted by Kevin and Suzanne Souza (15987 480th search Assistant of the Plant integrated system, Sandeep nitrogen contents,” Kumar tivity,” Kumar said. “The Ave., Milbank, SD). Driving Directions: From the Junction Science department, added Kumar, Assistant Professor said of the study which colUSDA- Coordinated Agriculof Hwy 15 & 12, go 11 miles south turn left on 160th street, that potential economic in the SDSU Plant Science lected soil samples following tural Projects is a multithen 2 miles east on 153rd, north side of road Victory benefits include reduced department said landownan autumn grazing cycle of institutional funded project Visit our Farms NEW dairy. Or from Highway 212 & Hwy 15 go 9 fertilizer cost for the cash ers need to consider cover six heifers per 3.5 acres. that will focus on promoting Web site at www.missourivalleyshopper.com 2 miles, miles north, turn right on 160th Street, go east crop, yield/profit increase crops which protect the soil Planting recommendathe integrated crop-livestock www.missourivalleyshopper.com NEW dairy on north side of road. Call the North Central from subsequent cash crop from adverse effects of hoof tions for cover crops systems in665-5884 to Brookings, S.D. on July 26 beginning at 6 p.m. on the and additional cost savings traffic - mainly compaction. To ensure that cover Region foryour ad here. place improving food SDSU Dairy Farm hosted by the SDSU Dairy Science Defrom supplemental hay. “Because hoof traffic crops have sufficient time security.” niGrow partment (3219 Medary Avenue, Brookings, SD). Driving “To get maximum bencan negatively impact the and moisture to establish, Directions: I-29 & Hwy 14 by-pass exit 133, go west 1 mile. efits, landowners should near-surface soil conditions, Kumar recommends planting Visit our Visit our Web site at Interested in Take 471st ave. / Medary Avenue north (Old Hwy 77) go apWeb site at consider planting a variety of soil health and hydrologicover crops after small grain this spot? proximately 1.25 miles, dairy is on the west side of road. www.missourivalleyshopper.com harvest during a three-year www.missourivalleyshopper.com To learn more, contact the following SDSU Extension rotation in a corn-soybeanCall 665-5884 to staff: Tracey Erickson, SDSU Extension Dairy Field Specialoat or wheat rotation. place your ad here. ist at 605.882.5140 or by email; Hilary Rossow, SDSU Extension State 4-H Animal Projects Coordinator at 605.688.4167 or by email; or John Keimig, SDSU Extension 4-H Associate YOU NEED at 605.688.5575 NO PROBLEM! 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