July 17, 2018 • Page 2 shop online at www.missourivalleyshopper.com A Fourth-of-July Surprise Dave Says Insurance After Diagnosis Dave RAMSEY Dear Dave, I started looking at life insurance policies after my wife and I had our daughter. During the screening process, I found out I had testicular cancer. I went through treatments, and the doctors have officially declared me to be in remission. Still, I can’t find a life insurance company that will work with me. I have a small policy through my employer, that is equal to double my salary. Do you have any suggestions for finding additional coverage? Nate Dear Nate, It’s great news that you’re in remission. I’m really happy for you, buddy. I know your wife is thrilled, too. I would advise conducting a search of every “guaranteed issue” company and policy out there. The term, guaranteed issue, means they don’t do a medical check. The problem is these policies generally run 10 to 20 times more per thousand than those where you qualify medically. So, you’re not going to get a lot during this time. Check at work, and see if you can buy more and add it to Hot? Did you say hot?” “Sure did, Windy, have a seat and join us,” said Doc. We were huddled up in the coolth of the air conditioner blast in that certain part of the dining room at the Mule Barn truck stop. Yes. It was hot. “Ain’t like Death Valley, howsomever,” Windy said. “Now boys, that there’s HOT!” “You been to Death Valley, Windy?” “Shore did, Steve. Wellsir, it was a long time back, ‘bout the time By Daris Howard the coverage they already provide. Some employers provide a double-up option if you’re willing to pay for the additional coverage. If you can, and the price is reasonable, do it. If you have a mortgage, call the mortgage company and get mortgage life insurance. It’s gimmick insurance — and something I don’t normally recommend — but many times you can get it without medical clearance. Once you get past that three- to five-year window where many insurance companies will work with you again, try to find a good, level term life insurance policy with coverage that’s 10 to 12 times your income, and drop all this other stuff. In the meantime, pick up anything else you can find – even if it’s those little $10,000 policies banks sometimes attach to your checking account for $20. Pile up those little odds and ends, until you get as much coverage as you can within reason. God bless you and your family, Nate. — Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven bestselling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. of when I ferget who was president. One of them guys who ain’t president any more. But I was jest percolatin’ ‘round and got me this here wranglin’ job over there at Furnace Crick. Hot? Say, it was so hot it melted your whiskers! But they needed these dudes wrangled and I packed mules for ‘em … until the accident …” “Accident?” “Oh Doc, it was terrible. One day I was packin’ pic-a-nic supplies for ‘em, and I had me eight mule loads of that Jiffy Pop popcorn, you know … ‘cuz they liked popcorn, ya see. Wellsir, it were so danged hot that popcorn started a-poppin’ inside them cans, and it flat blew the lids off them cans. Right out there in the dang desert …” Windy paused a moment to wipe away a tear. “And that there popcorn went all over the ground … and … and them mules saw it and thought it was snow … and froze to death!” 2018 IFT Food Technology Conference In Chicago BROOKINGS, S.D. - Ten students and five faculty members from South Dakota State University will attend the Institute of Food Technologists (IFT) Food Technology Conference in Chicago from July 15-18, 2018. The Dairy and Food Science Department graduate students who are attending include Beatrice Manu, Tanvee Deshpande, Kara Konst, Bipin Rajpurohit, Aliza Sigdel, Mohamed Elfaruk and Brady Bury, as well as undergraduate student Emily Resch. Prachi Pahariya, graduate student in the Department of Agricultural and Biosystems Engineering, will also be attending. Two graduate research posters will be presented. One poster is titled, “Effectiveness of a Vacuum Dough Expansion System in Measuring Dough Expansion Attributes for Predicting Bread Loaf Volume” and is authored by Bipin Rajpurohit; Daniel Brabec, a research agricultural engineer with the USDA Agricultural Research Service; Karl Glover, SDSU professor and spring wheat breeder; Sunish Sehgal, SDSU assistant professor and winter wheat breeder; Padu Krishnan, SDSU professor. Rajpurohit was also selected to present this research project in a competition at the conference. The other poster that will be presented is titled, “Extraction of beta-carotene from carrot using ultrasound, microwave and infrared techniques,” and is authored by Prachi Pahariya and Kasi Muthukumarappan, distinguished professor and graduate coordinator. Aliza Sigdel, Tanvee Deshpande and Prachi Pahariya received Minnesota Section IFT scholarships to attend the conference. Lloyd Metzger, professor, will present on “Manufacture, functionality, and applications of milk protein concentrate and micellar casein in cheese.” Krishnan and Srinivas Janaswamy, assistant professor, will participate in the 2018 Section Leadership Forum on July 14 and 15. Muthukumarappan and C.Y. Wang, professor, will also attend the conference. “This conference is a really nice way to network with people, make connections and learn about other research going on,” Krishnan said. The research work being presented was conducted through support from several competitive grants of faculty members. NEW MV Shopper 665-5884 ! MV Shopper Save 10¢ Off A Gallon Of Gas When You Use Your Sinclair Card M I S S O U R I VA L L E Y In Print and Online! M I S S O U R I VA L L E Y st Prices Be Town! 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In return, many of the people in our community will donate to our scout program. Even if a person can’t afford to donate, they will still find a beautiful flag waving in the breeze outside their house when they wake up. As a scoutmaster, I was up by five-thirty helping the boys get the flags in place. When I arrived back home at six-thirty, I found my daughter Elliana preparing to go to work at McDonald’s. She had to start at seven-thirty in the morning and work until late afternoon. That meant she couldn’t even go to the flag raising or the community breakfast. She also would miss the parade and most other celebratory events. I would usually be the one that would take Elli to work, but this morning I knew I needed to be with my scouts at the flag raising. As I left, my wife headed to town with Elli. The flag raising and breakfast went well. The speaker did a good job and had some wonderful patriotic music and a slide show. We had all sorts of muffins, juice, and milk. Mostly, it was just a fun time to visit. But I didn’t enjoy it as much as I might have. All I could think of was Elli having to work and missing it. It wasn’t long after the breakfast was over before we were heading to the parade. We went to my mother’s house and picked her up, and by ten o’clock we were setting up chairs on the parade route. Another daughter and her husband also met us there. The Ashton parade is everything a small community parade should be. Lots of horses, tractors, antique automobiles, and old farm equipment. But then came my favorite part. After the parade had all gone by, everyone went into the street and visited. Then, after a little while, the parade came back, going the other way, and everyone moved to the side. My father used to say. “A parade is only as good as the number of friends you meet.” This community parade is the best there is in that way. After the parade, we went to a small café and ate lunch. The food was good, and we had a fun time just visiting with each other and with people who came in. After we could hardly eat another bite, we had some of the best ice-cream served anywhere. The whole time, however, all I could think of was buying extra pizza and ice-cream for Elli to enjoy later. After we took Mom home so she could get a well-deserved nap, it was finally time to pick Elli up from work. When she came out and climbed in the car, I said, “I wish you could have been with us and not had to miss everything.” She smiled. “I felt bad missing it, too. But I had my own, simple, but wonderful Fourth of July surprise.” “What was that?” I asked. “I was working drive-thru,” she said. “A man pulled up and paid for his food. Then he said he wanted to pay for everyone in the vehicle behind him. I looked at the bill for the vehicle behind him, and it was a fair amount. I asked the man if he was sure he wanted to pay for it. He assured me he did. “I told him that was really nice and asked him if he knew them. He shrugged and said, ‘Sort of. In a way, we all do.’ I asked him if he wanted me to tell them anything. He smiled and said, ‘just tell them thank you.’ “And when the next vehicle pulled up, guess who was in it?” “Who?” I asked. “It was a big van full of soldiers and veterans. When I told them the man ahead of them had paid the bill and told them what he said, I felt like I would cry.” She finished by saying, “I may have missed the celebration, but I had the best Fourth-of-July surprise ever.” Recreational Trails Receive Funding PIERRE – Gov. Dennis Daugaard has awarded Recreational Trails Program (RTP) funding to several cities, trail groups and state parks totaling over $1.1 million. The five-person citizen RTP Advisory Council reviewed the applications and made the recommendations to Gov. Daugaard. The federal assistance program provides up to 80 percent reimbursement for trail-related development and maintenance projects. The following applicants were awarded grants for trail construction and upgrades: • Aberdeen – Moccasin Creek Recreational Trails, $95,800 • Deadwood – Whitewood Creek Trail & Boardwalk Rehabilitation, $60,000 • Dell Rapids – Sioux River Red Rock Trail, Dam Site, $100,000 • Elk Point – Recreational Trail, $24,903 Additional grants were awarded for trail improvement projects at the follow1009 Jackson St., Yankton, SD ing locations: Bear Butte Wednesday, July 18 • 4-7PM State Park, George S. MickelServing Taverns, Hot Dogs, Pie, Cake, son Trail and the Black Hills Snowmobile Trail System. Ice Cream & Root Beer Floats “The sponsors of these Supplemental funding provided by Thrivent Financial. projects have thoroughly Proceeds for St. John’s Christian Education. demonstrated their commitment to improving our communities, parks and recreation areas,” said Gov. Daugaard. “These funds will aid them in their efforts to benefit South Dakotans and Menominee, Nebraska future generations.” The Recreational Trails Program is funded by the Highway AdminisBroasted Chicken Dinner Federaland administered tration With Salad & Dessert in South Dakota by the Department of Game, Fish nd Sunday, July 22 In air d and Parks. The funds come e tion Serving from 11AM - 3PM from the Federal Highway condi ll ha Trust Fund and represent Adults: $10.00 a portion of the motor fuel 6 yrs. - 12 yrs.: $5.00 excise tax collected from Children 5 and under: FREE non-highway recreational fuel use. For more information on this program, contact Randy Kittle, grants coordinator, at 605.773.5490 or by email at randy.kittle@state. sd.us. ing & t Din men rtain Ente St. John’s Lutheran Ice Cream Social t. Boniface Annual Bazaar S Many activities for kids and adults! Volleyball, Bingo, Country Store & more