August 30, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Does Elderly Mother Need Long-Term Care Insurance? BY DAVE RAMSEY Dear Dave, I’m trying to help my elderly mom with her finances. She has no debt and more than $1 million in assets. There was also another $500,000 trust left for her by my dad. With access to all this, does she still need long-term health insurance? —Anonymous Dear Anonymous, Absolutely! She also needs an estate planner immediately. Your parents were far too wise with their money to have your mom end up in a bad situation toward the end of her life. You need to do everything you can to prevent this from happening. In the event she’s unable to take care of herself, long-term care health coverage to take care of nursing home or inhome care is an absolute necessity. The cost of nursing home care can run from $75,000 to $100,000 a year. Your mom is in great shape financially. But just imagine what a prolonged nursing home stay could do to her nest egg. It’s not a pretty Dave RAMSEY thought. When you hit 60, you need long-term care insurance, period. Whether you have $1 million-plus in the bank or not, I strongly recommend it as a wise part of any asset management plan. —Dave about the same — as the actual money markets. Now, if you get a money market account with a mutual fund company, you’re actually buying into the money markets. The big difference is that the mutual fund companies are a lot more flexible, and they don’t have FDIC (Federal Deposit Insurance Corporation) insurance. I have my emergency fund parked in a mutual fund company money market account, and the great thing is that it’s fully liquid — meaning there are no penalties to take cash out at any time. It’s a perfect place to keep an emergency fund! —Dave WHAT IS A MONEY MARKET ACCOUNT? Dear Dave, What exactly is a money market account? —Julie 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. Dear Julie, Money markets are short-term financial instruments. Money market accounts pay about the same, maybe a little bit more, than traditional savings accounts. If you get a money market account with a bank, you’ve basically got a savings account that mirrors — or pays Woodturning Workshop At GAR Gallery As part of its arts education programming, Yankton Area Arts will sponsor a woodturning demonstration and workshop, Friday and Saturday, Sept. 2-3, at GAR Hall located at 508 Douglas. The weekend will open with a reception and demonstration Friday, Sept. 2 from 5-7 p.m. honoring master wood turner Dr. John Buckner of North Newton, Kansas. Dr. Buckner will give a brief overview of woodturning, illustrated with a lathe and pieces made in his workshop. Saturday’s workshop will be under a tent in front of GAR Hall, from 9 a.m. to 1 .m. The workshop will introduce children and adults to the art of carving wood on a lathe. Participants will have guided, hands-on experience making a top, wand, yo-yo, pen, or coaster from wood. They can color the wood and use pyrography — wood burning — to decorate what they’ve made. After applying a finish, they can take home their work. The workshop will be under the direction of John Buckner, North Newton, Kansas. Dr. Buckner has been turning wood for 70 years. His work is available in the YAA Gallery gift shop throughout the year. Buckner headed the music education program at Washburn University, Topeka, Kansas, where he is a Professor Emeritus of Music. Working with Buckner will be Dick Reece, Austin, Texas and Justin Church, Boulder, Colorado. Dick Reece retired in 2014 from the music faculty at Bowling Green State University, Bowling Green, Ohio. Justin Church is a CPA on the staff of Colorado University, Boulder. He turned wood with Dr. Buckner through high school and was a music student of both Buckner and Reece.” Children and adults wanting to try their hand at turning may simply drop by, or may call the gallery at (605) 6659754 before Saturday morning, to reserve a 15-minute time slot. There will be no charge for materials nor instruction; however free-will donations are welcome. An assortment of Dr. Buckner’s work will be available for purchase during the workshop events, with 30 percent of proceeds benefitting the mission of YAA. South Dakota State Fair to Host Chili Challenge And Pork Butt Battle HURON — The South Dakota State Fair is seeking entries for the Jack’s Campers Chili Challenge and the Pork Butt Battle sponsored by Advanced Bio Energy and S.D. Pork Producers. The Jack’s Campers Chili Challenge takes place Friday, Sept. 2, at Horticulture Park. Cooking begins at 8 a.m. with the People’s Choice Tasting and judging beginning at 1 p.m. The first place team will receive $225, with $150 going to 2nd place and $75 for 3rd place. People’s Choice winner will receive $50. Participants come from all over to compete for the title of best chili. The Pork Butt Battle, sponsored by South Dakota Pork Producers and Advanced BioEnergy, will also take place Friday, Sept. 2. Cooking begins at 6 p.m. on Thursday, Sept. 1. Competitors will cook through the night and the following morning to be prepared for People’s Choice Tasting and judging at 3 p.m. on Friday. Top prize is $500, with $225 for 2nd place and $125 for 3rd place. People’s Choice Winner will receive $100. All winners will receive a trophy. Rules and entry forms for both cook offs can be found on the S.D. State Fair website, www.sdstatefair.com, under the Special Events section. CELEBRATION Padders Clearance Boston Shoes to Boots 312 W. 3rd Yankton • 665-9092 MOODY MOTOR NIOBRARA, NE Patrick Hawk You have to hand it to Windy. When Alphonse “Windy” Wilson chooses to speak, it is a bombastic sampling of creativity. Windy has yet to find a word he can’t make better through his own unique methods. Well, what got him fired up the other day was a meeting of the ladies of the garden club down at the nursery. Windy’s been helping Dewey with his manure business on the one day a week he spends helping others. Today wasn’t a helper day, but he couldn’t pass up the audience. They hadn’t gotten through old business when Windy stood, smiled, and spoke. “Dear ladies,” he said, “what an opera-tune moment this is, finding you all coagulated here in an effort to beatify the yards of our fair town. And what, you may ask, brings me to this conflagration? It’s the latest thing in gardening. Our chairman of the board refers to it as ‘cow pasture tea’ and it nutritionalizes plants right down to bedrock. As Dewey says, the only way to improve on cow manure is to liquidize it. Well, he hasn’t said it yet, but he will. “Now what exactly is cow pasture tea you’re undoubtedly asking yourselves at this moment. It’s a varietal combination of composted cow manure, water, and some acid we put in there to matriculate it properly into the life-giving succulence we require. Then we put it in a drum and pull the drum behind a tractor-like conveyance that looks an awful lot like an old riding lawn mower. We spray this on your lawn, and in ninjaseconds, this liquor of life perambulates deep into the rootiness of the grass and makes it want to grow.” He smiled at the group and noticed a lot of them were giggling in appreciation of his talk. He puffed up and continued. “And what does the Dewey Decker Manure Combine charge for this incompartible service? A mere $10 for an average-sized lawn. Think about that, ladies. Ten dollars. Twenty fifty-cent pieces. Why you’d spend more than that on a wedding dress or a trip to the Bermudas!” A number of the ladies clapped at that, thinking that might satisfy him, and it did. He smiled and sat. He could get used to this corporate life. Maybe it wasn’t too late to climb the ladder to success. Weather Station Informational Session Sept. 1 BROOKINGS, S.D. - SDSU Extension will hold a public information session on Butte County's Mesonet Weather Station and Agriculture Weather at Butte Electric Coop, (109 Dartmouth Ave) in Newell at 7 p.m. (MST) Thursday, Sept. 1, 2016. "The South Dakota Mesonet is a statewide network of 26 locally supported weather stations which provide live and archived weather for agriculture and the general public," explained Nathan Edwards, the Mesonet's manager who will be presenting Sept. 1. The Butte County Mesonet station is located near Nisland and has been supported by the Belle Fourche Irrigation District. "I'll explain how the station works and walk through how the public can access real-time weather and soil information," said Edwards.  Topics to be covered include web-based tools to assist with planting, irrigation, spraying and more. Live weather data from the station can be viewed at the SD Mesonet Mobile website. Contact Edwards with any questions by email. niGrow Dining & Entertainment 251 Spruce Ave • Box 260 Niobrara, NE 68760 www.moodymotor.com pjhawk@hotmail.com (402) 857-3711 (800) 745-5650 Fax (402) 857-3713 Pancakeast Breakf 2 Big Days in Delmont, SD 7.00 All You Can Eat (At the farm, ¼ mile West) • Parades • Tractor Pull • Quilts, Crafts and Art • Flea Market • Demonstrations & KUCHEN www.twinriversoldiron.org www.delmontsd.org Open To The Public J&H RESIDENTIAL & COMMERCIAL Cleaning Services Inc. 665-2571 http://jhcleaningsd.com DUCT CLEANING SPECIAL WE DON’T DUCT AROUND! •AIR DUCT • DRYER VENT 10% OFF residential duct cleaning through 11/15/16 CALL TODAY! $ Pancakes, Eggs, Bacon, Sausage, Biscuits & Gravy, French Toast Children 6-10 $4.00 • 5 & Under Free Sunday, Sep. 4th • 8 - 12:30 VFW Post 791 209 Cedar, Yankton • 665-3562 CALL FOR FREE ESTIMATE INSURED & BONDED REFERENCES AVAILABLE 605-661-9211 • 601½ Burleigh SERVING YANKTON & SURROUNDING AREA SINCE 1994 In Concert Suzy Bogguss Friday, September 9th, 8:00 p.m. SCHIFERL’S 7 miles south of Yankton WJ RANCH Tickets: 402-357-2102 or Online: www.schiferlswjranch.com Thank you to these sponsors: Mark’s Machinery, Yankton First Dakota National Bank, Yankton Crofton Farm Supply • Doyle Stevens Construction, Crofton Clark’s Rentals, Yankton • Fordyce Coop Town & Country Insurance, Crofton • Al & Debby Larson, Fordyce West Hodson Lumber, Crofton • Yankton Livestock Lewis & Clark Lodge, Crofton • Print Source, Yankton Historical Society of Delmont Kuchen Festival • Sept. 10 (Downtown Delmont) Twin Rivers Old Iron Harvest Festival • Sept. 10-11 Holy Family Parish Holy Family Parish Pancake & Sausage Pancake & Sausage Breakfast & Catholic order Breakfast & Catholic order of Foresters Raffle of Foresters Raffle 9 a.m.-1p.m. 9 a.m.-1 p.m. Sunday, September 4TH Sunday, Sept. 6 Bow Valley Dance Hall, Bow Valley Dance Hall, Bow Valley, NE Bow Valley, NE Raffle, bake sale & games! Navigator Tours Let’s Go to Deadwood! October 10-12, 2016 $179.00/person double, $239.00/person single Transportation, 2 nights lodging at Mineral Palace In downtown Deadwood, Wine & Cheese Reception, Hot Breakfast Buffett, $20 meal voucher, $10 slot play per day, Slot Tournament entry Pick up in Norfolk, Yankton, Tyndall, Mitchell Please call for reservations Navigator MotorCoaches • 1-800-634-8696 www.NavigatorBus.com