Ocober 25, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Young, Jobless and Scared Accounting 101 erested in this spot? ll 665-5884 to e your ad here. nterested in this spot? all 665-5884 to e your ad here. I think there must be autumnal reasons for Halloween being hued in orange and black. It’s a fun time, a magic evening if you’re a kid, and if you’re adgrandpa-type guy, like Call 665-5884 to place your a here. me, who gets to hand out the goodies. But the colors of this sweet evening celebration are orange and black, and so is October. In another week or so, our deciduous trees will stand like skeletons against the gray skies of winter, but now we have the orange and black of fall. It happens right about sunset each day. The sky turns that eternal burnt-umber orange and the remaining leaves and the baring branches of our trees fill the evening with a holy filigree of contrast. Oh, it’s not something we need to do anything about. There’s no need for picture taking or anything. But it’s just something that we can step outside for … look toward the west through the lacy pattern of black branches and for a moment, just a short moment, say to ourselves, “Isn’t that pretty?” If the paint store could sell me something that looked even close to that for the walls of the little cabin I have, I’d buy a gallon. Maybe two. INTERESTED IN THIS SPOT? www.missourivalleyshopper.com www.missourivalleyshopper.com www.missourivalleyshopper.com Visit our Web site at www.missourivalleyshopper.com erested in his spot? ll 665-5884 to ce your ad here. Dear Dave, I’m 23, and I lost a good job a few Dear Dave, days ago due to layoffs. My wife has I’ve just started my own small business. As the owner and only been a stay-at-home mom with our employee, how do I determine my profits? 10-month-old daughter, and we have Brittany very little in the way of savings. What can we do to keep our heads above water? Dear Brittany, Seth Here’s a basic Accounting 101 definition for you, regardless of www.missourivalleyshopper.com how many employees you have or how big your business may be. What you take in, minus expenses — in other words, your revDear Seth, enues minus your expenses — equal profit. Believe it or not, it I’m really sorry you’re going through really is that simple. this. I’ve been there, so I know this is Since you’re just starting out, I’d strongly advise you to set up Dave a scary time for you. There are some short- a separate checking account for your business. That’s the only Visit our Web site at and long-term goals to think about in a situa- way to accurately tell exactly what’s going on within the busiwww.missourivalleyshopper.com tion like this, but let’s look at the immediate ness. When you co-mingle business money with grocery money future. and things like that in your personal account, you’ll never have an Go crazy about finding some kind of income. I don’t care if it’s accurate picture of what’s really happening with your business. delivering pizza during the week and working at the mall on week- Good luck, Brittany! ends. Even if it doesn’t completely replace your previous income, — Dave it will give you some cash to pay bills and stay afloat. On your off Visit our days, and before and after work, you can line up and do interviews Web sitefull-time job. You may even have to trade off baat for a more stable, * Dave Ramsey is America’s trusted voice on money and busiwww.missourivalleyshopper.com bysitting duties with your wife so she can earn some money too. While all this is going on, have a garage sale and sell anything ness, and CEO of Ramsey Solutions. He has authored seven bestyou don’t need or want anymore. Just about anything that can be selling books, including The Total Money Makeover. The Dave turned into income should be turned into income. In the process, Ramsey Show is heard by more than 12 million listeners each prioritize your bills and other financial responsibilities. Take care week on 575 radio stations and multiple digital platforms. Follow of food first, then utilities, the mortgage or rent, then transporta- Dave on Twitter at @DaveRamsey and on the web at daveramtion. You guys don’t need to see the inside of a restaurant for a sey.com. while unless Visit our working there, and if things don’t get better by you’re Web gifts Christmas, any site atyou give should be handmade crafts. This is doable if you two work hard, pull together, and focus. God www.missourivalleyshopper.com bless you guys, Seth. — Dave RAMSEY How Caregivers Can Provide Better Care for Both Their Loved Ones and FAX IT 605-665-5882 216 W. 4th St. Themselves •Y ,SD Shopper YOU NEED IT TODAY? NO PROBLEM! Missouri Valley ANKTON 605-665-5884 (StatePoint) More than 10,000 people in the United States turn 65 years old every day, according to the U.S. Department of Health & Human terested in this spot? Services. This growth in the aging population has led to an increased 665-5884 to place your ad here. who care for loved ones number of people in their homes. “While many people are happy to take INTERESTED IN THIS SPOT? loved ones, playing this carcare of aging egiver role can CALL 665-5884 TO still be physically, mentally and emotionally draining,” says Jill TurnerPLACE YOUR AD HERE. Mitchael, senior vice president, Sam’s Club Consumables and Health and Wellness. “As a result, it can be easy for caregivers to forget about caring for themselves at times.” To help, Turner-Mitchael and the Sam’s Club Pharmacists are offering time-saving, stress-reducing tips to help caregivers support their loved ones while also maintaining their own well-being. • Focus on food and fitness. Maintain a healthy, energy-boosting diet that includes organic fruits and vegetables, lean protein and vitamins. Try to stay active, as well. To keep yourself accountable, consider using a wearable device that tracks your daily diet and activity level. • Log on. To save time and effort, shop online when possible. In today’s digital world, it’s easy to get everything you need with the click of a button. Companies like Sam’s Club provide everything from groceries to personal care products online for those who don’t have time to make it into a club. • Give yourself a break. Convene a family meeting to discuss any challenges that you’re facing and see what others can do to lighten your load. Identify someone who can fill in for you for periods of time, so you can take breaks outside of the home to relax and refresh. Doing so will likely help you return www.missourivalleyshopper.com to your role with even more energy. • Seek support. Find a caregiver support group that can help you make connections with others who understand your perspective. Seek out other existing resources that are designed to support caregivers, as well. For example, Sam’s Club recently launched a new program for family caregivers, including a dedicated webpage that helps members find the products, expert advice and savings they need to make caregiving easier. Visit SamsClub.com/caregiving or the kiosks in select locations around the country for more information. “As the number of caregivers rises, so does the importance of offering resources that make their lives easier,” says TurnerMitchael. “As a club of the community, we are working to do just that, so caregivers can focus on what is most important – the health of their loved ones and themselves.” • Engage your employer. Around 42 million Americans act as caregivers while also working outside of the home, according to AARP. If you are juggling work and home responsibilities, ask your manager about perks or policies that may help you find balance, such as flexible work schedules, emergency time off or on-site eldercare. Neglecting your own health does no one any favors, so don’t let caregiving mean the end of self-care. With the right resources and resolve, rest assured that you can provide the best care possible while also maintaining your own health. Entertainment COUPON - Offer expires 10/31/16 OPEN 11 AM - 10PM 600 OFF $ Family Meal 8 Pc. Chicken, 2 Lg. Sides, 4 Biscuits Looking for the best deal in town? Check the BROOKINGS, S.D. - Registration is open for the 2016 South Dakota Local Foods Conference which is scheduled for Nov. 4-5, 2016 in Mitchell. The event will be held at the Highland Conference Center at 2000 Highland Way . Three pre-conference sessions scheduled for Nov. 3 are still open, and will be held at Mitchell Technical Institute at 1800 E Spruce Street. Registration for the pre-events closes Oct. 28, 2016. "Brand new this year are in-depth pre-conference sessions on hops production, grant writing, social media marketing, permaculture, and cooking with indigenous foods," said Kim Brannen, president of the South Dakota Specialty Producers Association. Nov. 3 Pre-Conference Sessions Hops Production 101 features Dr. Stacy Adams, of University of Nebraska, speaking on production in Nebraska; Dr. Diana Cochran, of Iowa State University, will speak on weed and fertility management; Dr. Cheryl Boyer, Kansas State University (via DDN) will discuss online marketing and social media for small producers; Ryan Heine of 6th Meridian Hops in Yankton and Dr. Christopher Graham, SDSU Extension Agronomist. There will also be a Growers Roundtable with North Dakota producers. This session is $35 per person. Social Media and Marketing will be presented by Janet Nicolaus of Mitchell Technical Institute and Kathleen Rykhus of Pomegranate Market, Sioux Falls. This session will inform local food producers on how to better connect to their market through Facebook, Twitter and other forms of social media. This session is $45 per person. Grants-Resources & Technical Assistance will be taught by staff from the S.D. Value Added Ag Development Center, S.D. Department of Agriculture, and USDA Rural Development. This session is $45/person. The three pre-conference sessions will run from 8:30 a.m. to 4:30 p.m. Lunch is included in the registration fee. These sessions require advance registration by Oct 28, separate from the full conference registration. Nov. 4-5 Conference Details The South Dakota Local Foods Conference provides educational programming and networking opportunities for producers, local food enthusiasts, chefs, and resource providers of specialty crops and other niche local food products. Production, marketing, business and cooking tracks are offered during the main conference Nov. 4 - 5. Some sessions include production of grass fed meat, hops, meat goats, herb, and organic vegetables, beekeeping, flower farming, orchard trellis systems, seed saving, season extension, food safety, record keeping, business planning, online marketing, specialty grain marketing, a chef panel, and the Dakota Fresh food hub. The conference will include two keynote speakers: Daniel Halsey, a certified permaculture designer and teacher for multiple academic institutions and organizations out of Prior Lake Minnesota; and "The Sioux Chef", Sean Sherman, who was born in Pine Ridge, and is now a caterer and food educator focusing on revitalizing indigenous food systems in a modern culinary context in the Minneapolis, St. Paul area. More information is available on the registration site. Other components of the event include vendor booths, meals using local foods and a networking event on Friday evening. A new fourth track "In The Kitchen" will be offered at Mitchell Culinary Institute on Saturday. "The conference is meant to continue the dialogue on local foods among producers, growers, consumers, school nutrition programs, grocers, restaurants and resource providers," explained Kari O'Neill, SDSU Extension Community Development Field Specialist. O'Neill encourages anyone with an interest in local foods to attend. Continuing Education hours are available to chefs who participate in the event. Reduced Rate Registration deadline is Oct. 25. Registration for the two-day event is $85 per person. Registration for one day of the event is only is $45. Late registration, after Oct. 25, increases to $100 per person for the full conference or $60 per day. To register for this event, visit the event registration site. The South Dakota Local Foods Conference is sponsored by a collaboration of partners including the South Dakota Specialty Producers Association, SDSU Extension, South Dakota Department of Agriculture, USDA Rural Development, Dakota Rural Action, South Dakota Public Broadcasting, the South Dakota Small Business Development Center, Mitchell Technical Institute, Black Hills Food Hub, and Spearfish Local. Direct any questions to conference organizers by email. Follow the South Dakota Local Foods Conference online at their Facebook page. South Dakota SNAP Program Earns CLASSIFIEDS! Top Ranking and Federal Bonus MV Shopper 319 Walnut St. Yankton, SD 57078 MV Shopper M I S S O U R I VA L L E Y M I S S O U R I VA L L E Y 605-665-5884 SUB-CONTRACTOR OPPORTUNITY 2504 Fox Run Pkwy. Yankton, SD Registration for S.D. Local Foods Conference Mills Property Management is seeking bids for a reliable Sub-Contractor to Serve Noon Meals at our Sunrise Property in Yankton Must have proof of liability coverage, and valid drivers’ license. Subcontractor will pick up, deliver, and serve meals at property. Must be available from approximately 10:30am-1:00pm M-F Please send service bid to: Mills Property Management Attn: Danielle Bohn 630 Western Ave Brookings, SD 57006 Or Call Danielle @ 605.697.3190 South Dakota has received a first place ranking and performance bonus from the United States Department of Agriculture for the administration of the Supplemental Nutrition Assistance Program (SNAP). In September, the South Dakota Department of Social Services (DSS) received official word the state will receive the Case and Procedural Error Rate (CAPER) performance bonus in the amount of $180,655. South Dakota is one of only four states to receive a CAPER bonus. The CAPER measures the accuracy of a state’s action to deny, suspend or terminate SNAP benefits, and also measures compliance with federal procedural requirements. The national average CAPER for FY15 was 23.27 percent. South Dakota’s CAPER for FY15 was 1.91 percent, earning the state the top ranking. Over the last 32 years, the SNAP program has earned annual federal bonuses. The receipt of these bonuses highlights the tremendous efforts of DSS staff to ensure the integrity of the SNAP program. Let Our Family Business keep yours in the go with: • Farm Filters • Hydraulic Hoses • Bearings & Seals Cox Auto 1007 Broadway Ave. • Yankton • 665-4494 Buy • Sell • Trade Quality... USED Cars, Trucks, Campers, Boats & Consignments $4,900 802 Broadway, Yankton, SD 665-1596 Bridge City Auto www.bridgecityautoyankton.com The performance bonus funds are to be used only for costs associated with SNAP program activities. Those activities include technology upgrades and maintenance, improvements in administration and distribution and actions to prevent fraud, waste and abuse. The SNAP program helps low-income South Dakota families buy the food they need to stay healthy while they regain financial independence. 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