May 31, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says It’s OK To Take Control By Dave Ramsey Dear Dave, My husband is a recovering heroin addict. He’s been clean for two years, but I still feel we shouldn’t keep cash in the house or give him unsupervised access to a bank account. He agrees with these precautions, even though he does need a little pocket money from time to time. We’ve also started your plan to try and get control of our finances, so how would you suggest handling a situation like this? —Meghan Dear Meghan, First of all, congratulations on his being clean for two years. That’s awesome! The longer he stays clean, the more he’ll begin to normalize his mechanical activities with things like money. I agree with not putting him in charge of large sums of money just yet. However, we work with addicts all the time at my company, and I don’t agree that you can’t have any money in the house when he has been clean for two years. You might not want a big pile of cash lying around, but there’s no reason you can’t run the envelope system out of your purse. I mean, at this point if you can’t trust him to stay out of your purse, then you’ve got other major issues in your marriage. I think you need to be on a debit card and the envelope system. I also think you need to be controlling about 98 percent of the money for now. For what he’s doing, I’d work daily cash allowances and expand that to weekly when while I save up money to get my own place and start over. I make $30,000 a year, and it looks like I’ll have around $43,000 in debt when the divorce is finalized. Should I pause my debt snowball in order to financially get back on my feet again? —Adam you’re comfortable with it. Also, ask for some accountability from him as to where the pocket money goes. Ask him to keep receipts, and turn them in as if he were working for a company and taking a petty cash Dave withdrawal. That holds him accountable for spending it on what he said he was spending it on, and it’s healthy for someone who’s a recovering addict. When someone’s fresh recovering from being an addict, and especially because heroin is so addicting, I probably wouldn’t let him legally have access to the household account for a while longer. He can look at it, and you two can make financial decisions together, but you are in control of it. I wouldn’t want it where he can just reach over and clean out the account if he has a relapse. Obviously, this guy has gotten some healing and I’m very proud of you both. Heroin is a big deal and a hard habit to kick. The fact that he has done it this long is awesome! —Dave Dear Adam, Yeah, that’s what I would do. There are reasons to pause the debt snowball, and one of those can be going through a divorce. Not only are there expenses, but you may end up with payments you don’t even expect. I think the motivation and the heart behind the debt snowball is that you gain momentum and traction, and you do it quickly when you’re in a positive emotional position. You may not have that right now, so I think pressing pause and building up for expenses that may come — plus getting your own place — is a good idea. Just rent the cheapest spot you can as soon as possible. Then, once you get in there and get your life in operational mode again, you’ll be ready to rock on! —Dave RAMSEY 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. Pause the debt snowball Dear Dave, I’m going through a divorce that’s about to become final in two weeks. I moved in with my parents temporarily When Should a Fungicide Be Applied? BROOKINGS, S.D. - Moderate levels of some wheat leaf diseases are developing in South Dakota due to the rains the state has received this spring. “The most notable diseases are powdery mildew (Fig. 1), stripe rust, and tan spot,” said Emmanuel Byamukama, Assistant Professor & SDSU Extension Plant Pathologist. “Some producers are wondering whether to apply a fungicide now that wheat is at flag leaf growth stage, or wait and apply when the wheat is at flowering to manage both the leaf diseases and Fusarium head blight.” The answer to this question Byamukama said depends on a number of fac- tors including: 1. The prevalence of diseases that are currently being observed on the top wheat leaves; 2. The susceptibility of the cultivar planted; and 3. Current weather and near future forecast. “Fungicide application can be delayed until flowering if the leaf below flag leaf is having no fungal lesions (powdery mildew, tan spot or rust),” Byamukama said. He added that fungicides should be applied when two to three lesions of powdery mildew and one to two of tan spot or Stagonospora blotch are seen on the leaf below flag leaf or rust pustules are seen on the flag leaf. Travel Opportunity Adventure Awaits Rupiper Tours LLC is looking for applicants interested in becoming a tour manager. Agricultural back ground is a plus. Travel time would be limited to Jan, Feb, March, June, July or Aug. You would be required to lead at least two 14-day tours per year. Training is available. “One limitation of applying a fungicide at flag leaf if wet and humid weather occurs during wheat flowering is that there might be a need for another fungicide application to manage Fusarium head blight,” he said. Multiple application of fungicides close to each other may not necessarily be profitable. “Moreover, some fungicides are limited in terms of the maximum product that can be applied on a crop in the same season,” Byamukama said. “If there is limited disease pressure at flag leaf growth stage, a fungicide can be delayed and applied at flowering.” He explained that the flag leaf is the biggest contributor to yield and therefore fungicide application should aim at protecting this leaf. “Research completed by researchers at the University of Minnesota indicated that delaying a fungicide application until flowering did not compromise control of fungal leaf disease or yield in eight spring wheat cultivars,” he said. Byamukama added that research done at South Dakota State University also indicated limited differences in yield for plots that received a fungicide at flag leaf and those at flowering. “I encourage growers to scout their wheat fields to determine the level of disease at flag leaf growth stage; if the flag leaf and the leaf below flag leaf are relatively free of fungal diseases, consider delaying fungicide application until flowering,” Byamukama said. iGrow n HOSTA for Youth Farm/Ranch Workers BROOKINGS, S.D. - SDSU Extension will be conducting a Hazardous Occupations Safety Training in Agriculture June 15 and 16, 2016 at Lake Area Technical Institute in the Ag Department. The training will be held June 15 from 8:30 a.m. to 5 p.m. and then again on June 16 from 8:30 a.m. to 5 p.m. A test will be held the afternoon of June 16. Those who pass the test will receive certification. Currently, the law states that any individual who is 14 to 15 years old must be trained on the safe operation of tractors, farm machinery and other hazardous activities in the agricultural industry. One exception to the rule is youth who are employed on their home farm. This means all 14 to 15 year olds who are seeking employment in the agriculture industry must receive the training as required by the U.S. Department of Labor, with the only exemption being for youth working on their own farm. When youth become 16 years of age, this law no longer applies to their employment. Youth who are working on their family farm are also encouraged to attend, as are older youth. The training consists of a combination of independent study, materials will be sent to participants prior to the training. The trainer will be Bailey Hurlbert, Ag Instructor, Lake Area Technical Institute of Watertown. To register visit, the event listing. To cover the cost of participant materials, the fee for this training is $30. Online registration closes June 14. More on the importance of Hazardous Occupations Safety Training in Agriculture The agricultural industry is the only industry in the U.S.A. that allows youth under the age of 16 to be considered a legal employee. “When coupled with the fact that farming/ranching is considered to be one of the top 10 most dangerous jobs; it is evident that we must educate youth about dangers on farms and ranches for the safety of both themselves and others,” said Alvaro Garcia, SDSU Extension Agriculture and Natural Resources Program Director & Professor. “The number one way to prevent on farm accidents is by educating about possible dangers and giving students the knowledge to asses a situation for all possible hazards.” More about Hazardous Occupations Safety Training Hazardous Occupations Safety Training in Agriculture is a program which aims to educate South Dakota youth about the dangers associated with working on a farm or ranch. The safety training will consist of independent study, a classroom portion, and a driving portion. As part of the independent study, students are expected to study the core task sheets and complete the assigned activities prior to the classroom session. Links to the task sheets and the student manual can be found at online, or in the student manual. For the classroom portion, a purchased copy of the student manual is highly encouraged by the instructor. A written exam will be given over the 48 core task sheets which must be passed with a minimum of 70 percent correct in order for the student to advance to the driving portion of the training. For questions on the Hazardous Occupations Safety Training safety training course, please contact Bailey Hurlbert, Ag Instructor with Lake Area Technical Institute of Watertown SD, at 605.882.5284 ext. 470. niGrow Dining & Entertainment COUPON - Offer expires 6/30/16 Pancakeast Breakf Open To The Public OPEN 11 AM - 10PM 600 OFF $ Family Meal Pancakes, Eggs, Bacon, Sausage, Biscuits & Gravy, French Toast 7.00 All You Can Eat $ 8 Pc. Chicken, 2 Lg. Sides, 4 Biscuits Children 6-10 $4.00 • 5 & Under Free Sunday, Jun. 5th • 8 - 12:30 VFW Post 791 Please send resume or contact via email only: Rupipertours@outlook.com 209 Cedar, Yankton • 665-3562 2504 Fox Run Pkwy. Yankton, SD We’ve Got You Covered Kolach Days 2016 June 9-12 Verdigre, Neb. Visit our website for a complete list of events and times at www.verdigre.org. FREE Inspections/Estimates Thursday, June 9 • Variety Show Friday, June 10 • Pool Party • Polka Contest • Turtle Races • Royalty Ball • Variety Show • Beer/Wine Tasting • Haley Zimmerer Band We Install/Repair Roofs Of All Kinds! MUSIC FEST June 3, 2016 • 7-Midnight St. John’s Baseball Field, Fordyce, NE $15 per person in advance/$20 per person at the field Age 12 & under FREE, Age 13-18 $5 Featuring Saturday, June 11 Sunday, June 12 Call Justus 605-857-1472 Family Owned – Locally Operated Licensed/Bonded/Insured • Polka Mass • Grand Parade • BBQ & Ethnic Meal • Kolach Eating Contest • Drill Team • Polka in the Hall • 5K Run/Walk & 10K Run • Duck Races • Mud Volleyball • School Tours • Kiddie Parade • Sand Dig • Alumni Banquet • Life-Size Beer Pong • Street Dance (Red Eye) • ATV/UTV Ride • Poker Run • Ethnic Meal ...and more! Food and fun all weekend long! Richard’s Amusements will be on the midway. and 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