May 17, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Competency And Integrity By Dave Ramsey Dear Dave, I’ve always heard that you shouldn’t ask a family member to be the executor of your will. What are your feelings about this? —Joyce Dear Joyce, I don’t necessarily agree with this line of thinking. In my mind, a family member who is competent and has integrity can definitely be the executor. “Executor” just means they execute, thus the name. They’re going to execute the wishes of the will. If the family member has the business acumen and trustworthiness to execute the wishes and directives in a will, then that’s perfectly fine. Just remember to use some common sense, too, when choosing an executor. If you have an extremely complicated estate, say 80 pieces of real estate with investments and everything, you probably don’t want your 22-year-old niece, nephew or grandchild who just graduated college in charge of things. I would advise choosing someone with a little more life experience, and maybe some success in the real world. The people who say family shouldn’t do this are the same ones who say you shouldn’t have family in your business. You can have family in both. You just have to have good boundaries, clear roles, and honest, mature people. Make sure you give clear instructions and explanations for your decisions, too. Sit down with your family, explain who the executor’s going Dave to be, and why, along with what the will says. It’s also not a bad idea to have an initial reading of the will while you’re still alive. This communicates your wishes personally and takes some of the pressure off of the executor. —Dave RAMSEY Mixing the money Dear Dave, I’m getting married this summer, and I’m on Baby Step 4 of your plan while starting to invest for the first time. My fiancé is getting onboard with your advice, and he’s currently in the process of paying down his student loan. Should I put my emergency fund money, minus $1,000, toward his student loan debt? —Elizabeth Dear Elizabeth, Congratulations on your upcoming wedding! I’m really proud of you guys, too, for your mature behavior where money is concerned. First, don’t pay anything of his until after the wedding and you two are home from your honeymoon. At that point, “mine” and “his” becomes “ours,” and you can realign your money situation to reflect your total money makeover as a couple. Make sure that “we” have an emergency fund of at least $1,000 in the bank at that point. Then, if you like, you can throw the rest of what you previously had in your emergency fund at the debt. You can both also pile up cash between now and the big day, so that after you two are official you’ll have even more cash on hand. Who knows, you might be able to knock out that student loan completely and begin your life together debt-free. That would be awesome! —Dave Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven 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. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Writing Your Future Grant Writing Conference BROOKINGS, S.D. - A grant writing conference will be held June 8, 2016 in Sturgis at the Boulder Canyon Station Convention Center (2721 Lazelle Street). The workshop begins at 8:30 a.m. MT and runs until 4:30 p.m. MT. “This grant writing conference will benefit anyone who participates in nonprofit organizations to sponsor projects and programs for their local communities, said Peggy Schlechter, SDSU Ex- tension Community Development Field Specialist. Hosted by the SDSU Extension Community Development team, the Writing Your Future Grant Conference will feature a variety of topics including: assembling a local leadership team, resources for identifying grants, finding matching funds, learning how to use demographic tools and evaluation methods and more. “Do not miss this opportunity to polish your grant writing skills, learn about the resources that can help you create winning applications and discover ways you can fund your community projects,” said Schlechter. Schlechter explains that sessions for this conference were designed to be relevant for beginning grant writers as well as for more advanced volunteer grant writers. A panel of public and private grant funders will discuss grant opportunities offered through their organizations and give conference attendees insight into what makes an application successful. Register online Space is limited. To register, visit the event on the iGrow Events page. For more information, contact Peggy Schlechter, SDSU Extension Community Development Field Specialist at the SDSU Extension Regional Center in Rapid City at 605.394.1722. niGrow Gibbons Interim Associate Director of SDAES BROOKINGS, S.D. - Bill Gibbons has been appointed Interim Associate Director for the South Dakota Agricultural Experiment Station. “Dr. Bill Gibbons is an able leader who will continue building relationships with the South Dakota Agricultural Experiment Station’s external and internal constituents,” said Scholl, the Interim Dean of the College of Agriculture and Biological Sciences. “In his role, Dr. Gibbons will help assure smooth operation of the SDAES as it continues to fulfill its research mission. His enthusiastic willingness to serve will have a great impact.” With six field stations and more than 17,000 acres of land across the state devoted to scientific exploration, the South Dakota Agricultural Experiment Station at SDSU is the largest public and privately funded research organization in the state. While serving as Interim Dean of the College of Agriculture and Biological Sciences, Scholl will remain the Buy • Sell • Trade Quality... USED Cars, Brian & Jean DeGroot, Owners 802 Broadway, Yankton, SD Trucks, Campers, Boats & Consignments 665-1596 www.bridgecityautoyankton.com Check out our selection of furniture! RiveRcity treasures & Pawn 301 E. 3rd Street, Yankton, SD 665-3588 Director of SDAES, but the direct operational responsibilities will be carried out by Dr. Gibbons. Gibbons, currently a Professor in the Biology & Microbiology Department and Director of the South Dakota Oilseeds Research Initiative at SDAES, has spent nearly 30 years of his career at South Dakota State University conducting research focused on bioprocessing. “Even as an undergraduate at SDSU, I saw the value of multi-disciplinary research and the direct impact it has on solving problems for South Dakota agricultural producers, as well as the agriculture industry in general,” explains Gibbons, who as an undergraduate in the late 1970s and then as a graduate student in the early 1980s, participated in research which supported the early stage development of the ethanol industry. “Through SDAES’ research and collaborations we are able to create opportunities which have positive impacts on South Dakota’s agriculture industry and its people.” niGrow MOODY Hot New Technologies that Can Streamline and Improve Your Life (StatePoint) New technologies can transform ordinary objects and experiences into extraordinary ones. From everyday household objects to musical instruments to entertainment systems, there are many hot new technologies that are making daily items easier or better to use, and ultimately improving the lives of consumers. Here are three examples of new innovations and trends to consider incorporating into your life: Internet of Things The Internet of Things (IoT), a network of physical objects embedded with electronics and connectivity, is going to revolutionize our lives as it grows. New applications of this concept include IoT-connected locks, which can turn your smartphone into a portable key to your home, allowing users to create and delete keys as needed. Upgraded refrigerators that connect to the Internet to play music, and display digital messages, recipes and shopping lists. When shopping for just about anything, consider whether there’s an IoT alternative and how it could help you. 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Virtual Reality The nascent virtual reality market (VR) is finally reaching consumers, thanks to the efforts of dozens of industry leaders. From first person gaming to film creation and viewing to sport spectating, immersive entertainment systems are quickly becoming an affordable reality for more people. Newly announced gear will even make it possible for consumers to capture their own 360-degree 3-D VR content. New technologies can enrich your life, streamlining the way you run your household. Dining & Entertainment South Dakota Coin and Stamp Association MOTOR NIOBRARA, NE Coin Show 251 Spruce Ave • Box 260 Niobrara, NE 68760 For Information, call 712-274-9195 Coins • Currency • Stamps • Related Items Patrick Hawk May 21st & 22nd, 2016 www.moodymotor.com pjhawk@hotmail.com (402) 857-3711 (800) 745-5650 Fax (402) 857-3713 Show Hours: Saturday 9 AM - 5PM Sunday 9 AM - 4 PM Hartington Tree LLC TREE TRIMMING, REMOVALS & TRANSPLANTING TREES FOR SALE EVERGREEN • SHADE • ORNAMENTAL Location: Kelly Inn, 1607 E Highway 50 Yankton, SD • 605-665-2906 Free Admission • Free Appraisals NO SALES TAX ON COINS & PRECIOUS METALS IN SOUTH DAKOTA! 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(605) 589-3909 or Cell (605) 464-1113 The Mikey Needleman Band A Night of Country, Rock & Fireworks On Our Own Field Of Dreams A Fundraiser for St. John’s Parish Center Addition & Renovation