shop online at www.missourivalleyshopper.com October 25, 2016 • Page 13 Top Things Every Renter Should Know (StatePoint) Renters may be free of some of the concerns and responsibilities of homeownership, but there are a few considerations they should make for financial security and greater peace of mind. Read Your Lease Whether you’re moving in to a new place or have been occupying your unit for some time, knowing the ins and outs of your lease is crucial. Be sure there will be no curveballs or surprises that you have not accounted for in your budget. Is your rent subject to an increase? By how much and how often? Cross-check local regulations to ensure rent increases are in accordance with the law. Read your lease in order to get a handle on what your responsibilities and rights are as a tenant. Get Renters Insurance Many apartment communities require renters to carry personal liability insurance to cover the property and surrounding structures as a result of damage caused by the renter. This coverage does not extend to your personal property, however. To cover your personal property, a standard renters insurance policy is recommended. Otherwise, unexpected events such as fire, theft, vandalism or other perils could mean a substantial financial loss to you. However, the small monthly investment of renter’s insurance could save you thousands of dollars down the line. Do your research to determine what policy makes sense for you. Many insurance providers, such as Assurant, offer free online calculators to help you take inventory and determine the level of coverage you need. The company also offers its more than 1 million customers nationwide the ability to buy insurance, pay bills, change coverage and file claims online by computer or a mobile device, as well as the option of automatic payments, or even setting the billing date. These convenient options are designed with young people in mind, including some 100,000 Assurant policyholders living in student housing. For more information or a quote, visit assurantrenters. com. Perform a Careful Inspection Before moving into your new rental unit or signing a lease, do a careful inspection, noting any existing damage or necessary maintenance. Communicate concerns to the management company or landlord in writing. Free online checklists can guide you on what to look for and record. For example, buckling floors and water stains could indicate water damage -- a condition that could lead to property damage. It’s also helpful to take photographs with a timestamp. Do these inspections periodically, as well as when you renew your lease. And remember to also photograph your belongings – or keep your receipts -- because any insurance provider will ask for proof of ownership in the event you have to file a claim. You may not own the property, but it is still your home. Staying on top of the space in which you live can offer you greater comfort and greater peace of mind. MV Shopper M I S S O U R I VA L L E Y CLASSIFIEDS IN PRINT and ONLINE To place your ad call... 605.665.5884 or drop by at 319 Walnut St. www.missourivalleyshopper.com ********************************************* Pink Ladies First Pink Ladies Group Cancer is not bias. It doesn’t discriminate based on age, gender or religion. At some point, we have all been touched by someone battling cancer – some of us more than once. In October 2011, a unique group was formed under the premise of helping women fighting breast cancer with money raised staying local. The idea stemmed from a local dart tournament to raise money for woman battling breast cancer. Since that time the Yankton Pink Ladies Dart League has grown far beyond anyone’s expectations. And after that first year, the scope was widened to help all people with cancer – regardless of age or form of cancer. The Yankton league has grown to more than 40 chapters in South Dakota, as well as chapters in Nebraska, Iowa, Ohio and Canada. Ask any one of those Yankton ladies today and they will tell you that they are floored by the response and reception to their one little idea. “The girls started out with a benefit dart tournament, and then I asked them if they wanted to turn it into a league, and it snowballed,” says Randy Oliver, dart league coordinator with TNT Enterprises. At the conclusion of the first season, the Yankton Pink Ladies donated more than $3,000 to the Avera Cancer Center to help patients. Now the money raised is given directly to the people. Aside from playing darts weekly for five months, the Pink Ladies host a variety of fundraising activities throughout the year - including an annual golf tournament in June, dart tournaments, stress balls, and t-shirts. Every single penny raised stays here. The same is true with the other chapters as well – what they raise helps people in their communities. At the 2016 State Tournament, more than 400 women ascended on Brookings to have fun and raise money for their chapters. The Pink Ladies live by two simple yet powerful phrases – “Every Ribbon Tells A Story” “No One Fights Alone.” “I think people kind of think that because we named ourselves the Pink Ladies that we’re just about breast cancer,” says Pam Cunningham. “That’s not the case. We say ‘every ribbon tells a story’ because every cancer is represented by a different color. It’s not just about the pink — it’s about all forms of cancer and man, woman and child.” Really no one fights alone. The Pink Ladies want those facing the challenge to know that they are not alone in their fight. Emotional support can go a long way when you or someone you care about is battling cancer. “When we throw on Sundays, all of the money that we put into our boards we get back,” she said. “We’re donating into our own cause to play darts on Sundays. Nobody wins, so there’s no payout like there would be on (regular) league nights. All that money stays within the organization. ... When you donate to the Pink Ladies, it doesn’t go to a national organization. It stays right here in Yankton so we can donate it to people who need it.” During the recent 4th annual State Pink Ladies Tournament, Oliver announced that South Dakota Governor Dennis Daugaard proclaimed Oct. 14th as Pink Ladies Dart League Day. Aside from the smiles and tears Pink Ladies receive from those they help, this has been one of the greatest honors bestowed on the growing group. As the local group looks ahead to the future, things can only get bigger and better. The Pink Ladies of Yankton and South Dakota are ready to take on the world. If you are interested in joining or would like more information you can contact Randy Oliver at randy@tntwagner.com or check them out on Facebook at Yankton Pink Ladies Dart League. Interested in this spot? certified public accountants Harry Lane, Electrical Contractor • Commercial • Residential • Farm Wiring • Prompt Service • Quality Work • Competitive Prices New Construction or Remodeling • Home 665-6612 2013 State Dart Tournament the Yankton Pink Ladies made a financial contribution to the Mitchell and Huron Pink Ladies to help them get started and we also gave a donation to South Dakota’s Make A Wish chapter 2015 Pink Ladies Golf Event INTERESTED Ladies State Tournament in Brookings IN THIS SPOT? 2016 Pink Call 665-5884 to place your ad here. For Flooring with a Professional Touch Call 665-5884 to place your ad here. Yankton Office 207 Douglas Avenue • PO Box 1018 Yankton, SD 57078 605-665-4401 • Fax: 605-665-0592 1000 Cattle Drive • Yankton, SD We l c o m e t o Ya n k t o n ! 1-800-759-5275 1000 Cattle Dr., Yankton, SD Fax: 605-665-8908 665-1665 2901 Douglas Yankton, SD 57078-4841 DIRECTORS: 605-665-3644 Jim Wintz • Jerry Wintz Fax 605-665-3646 • Paul Wintz • Steve Wintz www.wintzrayfuneralhome.com 1-800-765-6213 Salute Our Guardians with the...665-5884 to Call place your ad here. 605-665-3762 800-952-2424 2200 E. HWY. 50 YANKTON, SD 57078 www.missourivalleyshopper.com 212 Walnut Street, Historic Downtown Yankton 605-665-2067 Yankton, SD • 605-665-3762 Freeman, SD • 605-925-4241 Wagner, SD • 605-384-4580 DAKOTA ArcHErY & OuTDOOr SpOrTS T rusTed F or G eneraTions Interested in this spot? 2014 Pink Ladies at RBD Parade 605-665-8340 www.missourivalleyshopper.com 2305 E. Hwy. 50 • Yankton 2507 Fox Run Parkway Yankton, SD 57078 • (605) 665-8073 www.firstchiropracticcenter.com Open every night ‘till 9:00 p.m. www.missourivalleyshopper.com M.T. & R.C. Smith Insurance, Inc. 204 West 4th • PO Box 1077 Yankton, SD • 605-665-3611 Tollwww.missourivalleyshopper.com Free: 1-888-665-3611 Fax: 605-665-2560 Visit our Web site at www.missourivalleyshopper.com 2100 BROADWAY • YANKTON, SD 605-665-3412 PHARMACY: 665-8261 • FLORAL: 665-0662 Visit our Web site at www.missourivalleyshopper.com