Cass & Clay County Magazine

7/26/2019 Cass & Clay County Magazine

1/56

SUMMER EDITION 2016 1

BuildingAutoFinanceHealthTravelEntertainmentLawn and Garden

In this issueA Beloved MEMBER

OF THE FARGO

Community

Turns 50!(full story on page 6)

who's in

your mirror???

quality child

care & early

developmentlinked

and much more!

m a g a z i n e

&

Summer Edition 2016

FM Metro's Biggest Little Magazine

Cass Clay County


2/56

2 CASS & CLAY COUNTY MAGAZINE


3/56


AD

VANCE

GARA

GE

DO

ORI

N

C

2831

North1stAve.,

Fargo,

ND58102

7

01

-237

-5147

800

-303

-5147

w

ww

.advgar

age

fargo

.com


4/56


BUILDING

AUO

FINANCE

HEALH

RAVEL &ENERAINMEN

LAWN & GARDEN


5/56



6/56


Fargos Jack Williams

Stadium Celebrates 50 YearsBy Megan Fraase

Ask a diehard baseball an

to describe the perect settingto watch their sport o choice,and theyd conjure up images oa warm summer night, plentyo ballpark ood and a placelike Jack Williams Stadium.Nestled between Elm Street in

North Fargo and the Red River,youd be hard pressed to finda stadium as true baseball asJack Williams. Tis year, Fargosbeloved baseball field turns 50.

eams and ans alike love theatmosphere at the park, which

makes or a great place to takein one o the more than 100 ballgames played at Jack Williamsin June and July.

Its a quaint little ballparkwith a lot o history, and wereproud to have it in Fargo, says

Jim Pettersen, Vice Chairman o

the Post 2 Board o Directors.Pettersen first became

involved with Post 2 Baseballin 1978, when he was a coach

or the Fargo Bombers. Nowa board member or 12 years,Jim remembers the yearsbeore Jack Williams Stadiumwas even a thought. He hasond memories o watchingthe Fargo-Moorhead wins,a Cleveland Indians affiliateteam, at Barnett Field. Te field,which was torn down in 1963to make room or Fargo NorthHigh School, also played hostto American Legion and ParkLeague ball.

With Barnett Field out o

the picture, Fargos AmericanLegion team played its gameson North Dakota StateUniversitys diamond, which atthat time, was a field with littleseating or accommodations.Fargos movers and shakers

knew this wasnt a long-termsolution andsprang to action.

A meeting atthe Fargo ElksClub eventuallyled to discussions

about a newstadium in Fargo.Instrumentalin the effortwere AmericanLegion members


7/56



8/56


Joe Parmer, Jim McLaughlinand Bob Smith. Te FargoAmerican Legion agreed to leadthe undraising effort, and the

project began.Tese three were giants inthe ormation o Jack WilliamsStadium, along with manyvolunteers rom that greatorganization, Pettersen says.

In June 1966, the acilityopened and was officiallychristened Jack WilliamsStadium beore a crowd o3,000 spectators. Te namesakeo the stadium is North DakotaAmerican Legion DepartmentAdjutant Jack Williams, oneo the originators o American

Legion Baseball.When Pettersen became

coach o the NDSUBison

baseball

team, he worked with JoeParmer, the Fargo AmericanLegion Baseball generalmanager to make Jack Williams

their home field.Te stadium served theNDSU baseball programor many years prior to theconstruction o NewmanOutdoor Field, Pettersen says.

oday, Jack Williams isconsidered one o the finestAmerican Legion Baseballacilities in the U.S., and,throughout its 50-year history,much has gone into keeping itthat way.

Its one o those things thatsbeen a kind o labor o love,

Pettersen said. Jack WilliamsStadium has seen many updatesthat have helped it stay at the

top o its game. Some majoradditions include an

upgraded brick pressbox and concession

area, anexpansion o thelocker rooms toinclude a clubroom, newencing and anew backstop,

new battingcages and ESPN

broadcast-qualitylighting, installed

or the 1992 AmericanLegion World Series,


9/56


which the stadium hosted.Weve had a lot o supporters

over the years, Pettersen says.Its just been antastic. Te

most recent example o theFargo-Moorhead communityssupport or the stadium was thepurchase and installation o anew scoreboard, unded by theInternational Brotherhood oElectrical Workers Local No.1426. Another special eatureat the ballpark are the RandallRustad Batting Cages, whichwere renamed to honorRandall, who was a longtimeFargo American Legion coachand board member who

passed away unexpectedly inJanuary 2015.

Without that kind o help,its hard to imagine where

D NRealtor

4342 15th Ave. S, Ste. 105Fargo, ND 58103

Each office independentlyowned and operated

30 Years Experience

C: 701.306.4888F: 701.492.5055

[email protected]


10/56


wed be, Pettersen says.In addition to the support

o community memberspassionate about baseball,

the City o Fargo and its parkboard also play an active rolein maintaining the stadium,oering help with thewatering system and muchmore.

hese constantimprovements have helpedJack Williams Stadium securehosting duties or many high-proile events, such as threeAmerican Legion WorldSeries in 1983, 1992, and1995, and numerous centraland mid-state regional

tournaments. he stadiumeven served as temporaryhome to the Fargo-MoorheadRedHawks, who played

10 games there during theinaugural 1996 season whilework on Newman OutdoorField wrapped up.

Post 2 also boasts someimpressive stats, including 23state championship titles, andthree players who went on toplay on Major League teams:Roger Maris, Rick Hellingand Chris Coste. Countlessothers have gone on to makea splash on college and minorleague teams.

Jack Williams Stadium


11/56


has been the home o Post2 Baseballone o themost storied programs inAmerican Legion Baseball

or 50 years and Pettersenhopes it will

remain a ixture in Fargoor a long time to come. hewinning tradition o CoachJerry Harter (1,999 wins)

made the stadium legendaryas well. Pettersen recognizesJerry and ormer coach KurtGigstad or manicuring theield in a tradition Post 2 stillstrives or today.

Jack Williams is a tributeto all legionnaires who cameback rom military duty tohelp build communities,he says. Its been a work inprogress over 50 years, andwere looking orward toanother 50 years.


12/56


How To Cut Home EnergyCostsHome ownership is expensive.First-time homeowners may

experience some sticker shockwhen shopping or their firsthomes, and that awakeningmay only grow more rudewhen the first month's

mortgage payment and utilitybills arrive in the mail.But owning a home still makesmore sense or many people

than does renting. In additionto the potential financialbenefits o home ownership,many homeowners see theirhomes as points o pride thatstrengthen their amilies' tiesto their communities. Andwhile the sticker shock ohome ownership may neverwear off, homeowners cantake steps to cut costs aroundthe house, most notably byemploying a ew strategies toreduce energy consumption.Cooling. Rising temperatures

tend to produce higherenergy bills, as homeownerslook to air conditioning tomitigate the effects o heat andhumidity. While abandoningAC is an unrealistic idea orpeople living in especially

warm climates, there areways to make AC units moreefficient. Routinely clean AC


13/56


filters so they can operate atmaximum efficiency, replacingold or worn down filters whennecessary. Keep AC units

off during the day when noone is home, using the unit'sprogrammable unctions toturn the AC on roughly 30minutes beore you arrivehome so the house is not asweatbox.Heatingcosts also can dodamage to homeowners'monthly budgets. Wood floorsmight be more trendy thancarpeting, but carpeting canincrease heat retention in ahome, especially i the homehas little or no insulation

beneath its floors. When theheat is on, make sure curtainsor drapes are not blocking

vents, and keep them openduring the daytime when youare home to allow more warmsunlight in. Much like with

your AC unit, clean heatingfilters regularly and programthe thermostat so you are not

heating your home while noone is there.Lighting. Cut lightingcosts by replacing standard

light bulbs with compactfluorescent bulbs, which aremore energy efficient andhave longer lie expectancies.When installing externallights on your home, installmotion-detecting lights soyou can saely get in and outo your house without havingto keep a porch light burningor hours on end. When laying


14/56


out rooms in your home, placelamps in corners where theywill reflect light off o twowalls, providing more bang or

your lighting buck.Electronics. Vampire poweris a little known oe tohomeowners. Electronics liketelevisions and computersconsume energy even whenthey are not turned on. Tis isreerred to as vampire power.Unplug electronics when theyare not in use, or plug suchdevices into power strips thatyou can turn off when youaren't home or when devicesare not being used.Home ownership comes

with many hidden costs,but homeowners can reducetheir monthly energy bills in

various ways.


15/56



16/56


Did You Know?Labor costs can account ora substantial amount o thecost o a home improvement

project. Estimates regardingthe average labor costs o suchprojects range rom 25 to 60percent. Such a wide range canmake it hard or homeownersto determine their budgets,and high labor costs may

compel some homeowners totackle projects on their own.While DIY projects can berewarding and cost-effective,the potential or costly mistakesis considerable, especiallyor homeowners with littleor no DIY experience. Labor

costs should be included incontractors' estimates, buthomeowners can ask aroundto get an idea o how much

they will spend on labor whenhiring proessional contractors.Various actors, such asgeographic location and thelevel o customization a projectrequires, influence labor costs.Homeowners can expect topay a lot or labor on projectsthat require considerablecustomization. Tough thatcan be a tough pill to swallow,complex projects may stretchi not exceed homeowners'own abilities, making thecost o customized labor well


17/56


worth it. Solicit estimatesrom numerous contractorsbeore making your finaldecision, recognizing that the

least expensive estimate is notnecessarily the best option.

YOURSMALLTOWN,PERSONALTOUCH

FULLSERVICELUMBERYARD

CALL NOW

FOR

SUMMER

PRICING!

PO Box 477 Co. Road 11 S.Red Lake Falls, MN 56570

213-253-25851-800-480-2756

Treated square poles, columnsClear-span truss rafters2x6 treated skirtboardPainted wall and steel roof availableCompletely erected

Service door with locksetNails and trimHeavy door trackDoor snugglersNails and trim

On Our Post Frame Building Packages Including:

www.fallsbuildingcenter.com


18/56


How o Pay Off YourMortgage Before MaturityHomes are the most expensivepurchases many people will

ever make. While homeownership can be rewarding,first-time homeowners mayexperience some stickershock when shopping orhomes and calculating theirpotential mortgage costs. But as

expensive as home ownershipcan be, there are ways orhomeowners to pay off theirmortgages long beore thoseloans reach maturity.Pay extra each month. Factorslike home value, property

tax and your mortgage loaninterest rate determine howmuch your monthly mortgagepayment will be. But there'sstill room to save. Accordingto the Chase extra paymentscalculator, homeowners whoborrow $200,000 (afer makingan initial 20 percent downpayment o $50,000 on ahome valued at $250,000) at 4percent interest and pay $4,000annually in property taxesand homeowner's insurancecan save more than $26,000

in interest over the lie o theloan by paying as little as $100extra per month. In addition,including an additional $100each month will trim 59

months, or just about five years,off the lie o your loan.Stop paying PMI. I yourinitial down payment was less

than 20 percent o the valueo your home at the time youpurchased it, then you werelikely required to pay privatemortgage insurance, or PMI.PMI may be costing you acouple hundred dollars permonth, but once your mortgagebalance alls below 80 percento your home's appraised value,you can ask your lender to stopcharging PMI. While it mightbe nice to pocket those PMIcosts or a rainy day, continuepaying that money each month

Building new?

800-788-7784 www.rrvcoop.com

Your cooperative can help with great

heating/cooling and energy-efficiency

rebates. Red River Valley Co-op Power

offers many rebates to help you save

energy and increase comfort at home.

To learn more about available incentives

or to print off a form, visit www.rrvcoop.

comor call us.


19/56


so you can shorten the lie oyour loan.Have your home reassessed.While homeowners would

like to think the value otheir homes is always on therise, some homes decreasein value over time. I yourhome is reassessed at a lesservalue, your property taxeswill decrease. Put the moneyyou're saving on property taxestoward your monthly mortgagepayment each month.Refinance your mortgage.Refinancing to a lower interestrate can lower your monthlymortgage payment, but be surethat the costs to refinance do

not exceed the savings you willearn. Apply any money yousave rom refinancing to yourmonthly payment.

THE WORLDS #1 SELLING TRACTOR

Lillegard Inc.

2015Mahindra 1526

26hp, hydro, 4WD,loader, 3pt, PTO

$17,700

2015Mahindra 1533


$20,650

2015Mahindra eMax 25


$12,900

No DPF, No ReGeneration, 5 Year Warranty$0 down, 0% for 84 months also available.


20/56


Paint and RenovateCorrectlyChanging paint colors is one othe easiest and least expensive

ways to add a resh new lookto the interior or exterior o ahome.Both exterior and interior paint

can be used to protect homesand make strong impressions.Painting projects are un andcan be easy, but not all projects

are so simple. Homeownersmay need to exercise patienceand devote an ample amounto time to getthe job doneright. Oneerrant dripis all it takesto turn aperect paintjob into acolorul mess.While paints are much saernow than in years past, theystill need to be handled

with caution and disposedo with care afer the job isdone. Painting can be a trickyproject because the umesand chemicals ound in manypaints make these productsmore difficult to dispose o.

Te Environmental ProtectionAgency says homeowners inthe United State throw out


21/56


64 million gallons o paintper year. While latex paintsare not considered hazardouswaste, they should be recycled.

Oil-based paints, however,are considered hazardoushousehold waste (HHW) andmust be disposed o properly.

All homeowners should checkwith their trash and recyclingcollection centers regardingthe proper way to dispose o

paints, stains and varnishes. It'salso possible to visit Earth911.com and find a disposal acilityonline.

Sunroomsplusgf.com

4224GatewayDr.GrandForks.7017468684

SPRING

SALE

ON NOW!


22/56


Te Key to BetterMosquito Control?ake Control ofYour Own BackyardWarmer weather is a cue romMother Nature to start thinkingabout mosquitoes. Teir bitescan potentially leave more thanan annoying itch; and this yearmany Americans are takingnotice.

In act, nearly seven out o ten(68 percent) want to go a stepbeyond just spraying theirbody, including treating theirdeck areas or back yards, inorder to combat mosquitoes,according to a recent survey

by Westham Co., a global

mosquito control productmanuacturer.o ully protect your amily

rom mosquito bites thisseason, combine backyardsmarts with scientifically-basedmosquito control options. Tisone-two punch can eliminatebreeding grounds and haltmosquitoes ability to bite,breed and annoy.

PHOO SOURCE: (c) Monkey Business - Fotolia.com


23/56


Start Early: Beore mosquitoessettle in, make your backyardinhospitable to them. Clearstanding water. Some

mosquitoes need as little asan inch o water to breed andsurvive. Look or hidden watertraps such as tires, candles anddog bowls lef in the yard.Get ahead o pesky mosquitoesthis summer, says omKraeutler, home improvementexpert and host o syndicatedradio show Te Money Pit.ry Something New: Morethan hal o Americans (55percent) say current solutions,such as tiki torches, yard

sprays and oggers dont work.Most DIY options eitherrepel mosquitoes or kill oncontact. Mosquitoes can adapt

to commonly used chemicalsand some o these can destroygood yard bugs.Afer a decade o research,science has broken the moldwith a bait-and-kill approach.Mosquitoes need sugar romplants to fly, mate and bite.Attractive argeted SugarBait (ASB) is the first ediblecontrol to lure mosquitoes witha sugary bait and then kill themwith a gut toxin they cannotdetect garlic. Multiple studies


24/56


support that once exposedto ASB, backyard mosquitopopulations reduce by 90percent within a ew weeks.

Consider getting ahead omosquitoes with a non-toxic control that eeds themsomething theyll die or,such as erminix AllClearMosquito BAI & KILL,which is the only ready-to-use, DIY spray to employASB technology. And whiledeadly or mosquitoes, itsnatural active ingredientis non-toxic, sae aroundpeople and pets, and isenvironmentally riendly.

I like the idea o a longlasting bait-and-kill approachthat inally gives homeowners

the power to kill mosquitoesbeore they can kill outdoorun, says Kraeutler. o learnmore about the ASB methodo mosquito control, visitbaitandkill.com.

Community Watch:Each year municipalitiesnationwide undertake eortsto control mosquitoes, but

citizens can contribute bydoing their part protectingtheir backyard and amily.Clean up trash quickly andpromptly. Patch screensor close doors to keepmosquitoes rom lyingindoors, and report areaso inestations. With a ewextra steps you can take backyour backyard and make it aun haven all summer long.State Point.


25/56



26/56


How Families CanManage CrampedQuartersYoung parents living in cities

ace difficult decisions regardingtheir living arrangements. Tesuburbs versus city debate is onemany young married coupleshave had, and that discussion isofen prompted by the arrival ochildrden.

Data rom the U.S. Census Bureausuggests that more people arechoosing cities over the suburbs inthe 21st century. While that dataindicates 53 o the 81 cities in theUnited States with populationsexceeding a quarter million people

experienced reduced growth in2013-2014, the most recent yearor which statistics are available,during that time such cities still

exhibited growth well above theiraverages rom 2000 to 2010.Tere are many reasons whycity lie might make more sensethan living in the suburbs oryoung married couples. Living inthe city may lead to ar shortercommutes or working parents,and the availability o publictransportation in cities may saveparents the costly expense opurchasing their own vehicles.But city lie may orce amilies tocope with cramped quarters. Even


27/56


the most spacious apartmentsmay not provide the samesquare ootage as single-amilysuburban homes. Parents who

are committed to city living mayneed to get creative in order to livecomortably in apartments.Actively police clutter.Few thingscan make apartments seem morecramped than clutter. Unsolicitedmailings, old magazines andunused kitchenware are just aew o the items that can makesmall apartments seem evensmaller. Discard junk mail themoment you walk through thedoor, making a daily effort tokeep kitchen counters and tables,coffee tables and other areas that

tend to accumulate clutter clearo clutter. Reducing clutter alsomakes homes saer or youngchildren, making it easier or themto navigate a home while reducingchoking hazards.Keep hosting duties to a

minimum.Many men and womenlove to host riends and amily,and that desire to host won't

subside simply because you live ina city. But even i you love to host,host more intimate gatheringsso you are not orced to use your

already limited storage space tostore items, such as extra plates,utensils and drinking glasses, thatyou will only use every so ofen.Fewer guests means ewer items


28/56


you need to store year-round.Go easy on the tots' toys. Parentso young children know thatkids' toys take up a lot o space,

and that's space that many citydwellers simply don't have. Ratherthan adding to youngsters' toystash each month, explain to them

that space is limited and thatsome older toys will have to gobeore new ones can be purchased.Donate old toys and let kids know

their items will be given to lessortunate youngsters, as that maymake kids eel better about partingways with their toys. Set a good


29/56


example by showing kids when youdiscard or donate older items beorereplacing them with new ones.Tink vertically. Single-amily homeowners may not need to make much

use o the vertical space in theirhomes, but such is not ofen the casewith apartment dwellers. Utilizingvertical space in an apartment canbe as simple as buying some shelvingunits or bookcases. o be sae, keepitems the kids will use on lower

shelves so they are not tempted to dosome climbing to reach heir toys orbooks.Parents who choose the big cityover the suburbs may need to makesome sacrifices to make better use ocramped quarters.


30/56


How to ouch Up YourVehicle's Exterior

Warm weather is synonymous with

many things, including summer

vacations. But or auto enthusiasts,

spring, summer and even early all

would not be the same without road

trips. Road trips ofen instill a spirit

o rejuvenation in drivers and their

passengers, and there's no reason

that spirit cannot be applied to

vehicles as well.

Vehicle touchups were once a realm

reserved specifically or mechanics

or the most ardent auto enthusiasts.

But nowadays even weekend

warriors can address the minor

dings, chips and scratches on their

vehicles, saving them both time and

money.

Crack the color code.One o

the ears novices commonly have

when touching up their vehicles

is that they won't find the exact

match with regard to their vehicle's


31/56


exterior color. Te key to the perect

color match is contained in the

vehicle's color code, which can be

ound somewhere on the vehicle,

most ofen on the inside o thedriver's side door. Consult your

owner's manual or call the vehicle

manuacturer i you cannot find

the color code on your vehicle.

Once you find the code, you can

then order your color. Employing

the most extensive library o

OEM colors in the industry,

AutomotiveouchupM makes

it as simple as ever or drivers to

create and order the exact colors to

touch up their vehicles' exteriors.

Paints are created per order

during a simple, three-step online

ordering process using a vehicle's

specific color code, make, model

and year, and orders are shipped

directly to consumers, saving them

rom making a trip to the ofen

intimidating automotive supply

store. Te result is drivers rest easy

with the knowledge that they aren'tordering and subsequently applying

the incorrect color to their car or

truck.

Use the right application tool.

Dings, chips and cracks come in

many shapes and sizes, and the

appropriate touchup tool willdepend on the type and size o the

blemish. Small chips and nicks and

thin scratches are best addressed

with pens, while you might need a

small bottle o clearcoat to address

slightly larger areas. Use an aerosol

spray can to address areas that have

experienced extensive damage.

When applying the paint, use

several light coats rather than one

heavy coat. Drivers concerned about

their application abilities can visit

the Automotiveouchup website

to access a library o educational

videos that illustrate how to use the

various application tools. Visitors tothe website also can speak directly

with a team o advisors who can

walk them through their projects.

Recognize that practice makes

perfect. Even i you are confident

you purchased the right paint, it's

still best to practice using yourtouchup paint prior to applying the

paint to your vehicle. Use a glossy

sheet o paper or metal can as a

practice surace, and then hold that

practice surace up next to your


32/56


vehicle to confirm your choice and

calm any lingering nerves you may

have about the paint match.

Paint in the right conditions. Beore

applying any paint, thoroughly cleanthe affected areas. A simple ormula

o dish soap and water should do the

trick, but be sure to allow the area to

dry completely beore continuing.

When using aerosol cans, the ideal

temperature to spray is between 70

and 80 and humidity should be 50

percent or less. Never spray primer,

paint or clearcoat in direct sunlight.

Allow the paint time to dry.

Drying times vary depending on

the temperature. Paints may take

longer to dry when temperatures

are below 70F than they will when

the weather is warmer. Once the

application process is complete, do

not wax the vehicle or 30 days.

Few vehicles make it through road

trip season without a scratch or two,

BUDGETMUFFLERNo need to call, well hear you coming

701-234-0588FREE

ESTIMATES

WE SERVICE, REPAIR OR REBUILD...Dual Exhaust High Performance Exhaust

Chrome Tips Custom Duals

Stainless Steel Pipes WE ALSO SERVICE...

Brakes Turbos Shocks Struts

Catalytic Converters Flowmasters

1902 1st Ave. S. Fargo


33/56


and now drivers can quickly and

affordably address those chips and

nicks on their own in a matter o

minutes.

Fargo Tire Service, Inc."After the sales it's our service that counts.

YOUR COMPLETE TIRE

CARE CENTER!

3201 39th St. South, Fargo ND 58104

(32nd Ave & I-29)

Phone (701)-356-TIRE (8473)Toll Free 877-925-TIRE (8473)

2020 Main Avenue, Fargo, ND 58103

Phone (701) 232-7177

Toll Free 800-365-2161Ask

About

Nitrogen

Inflation

No Appointment Needed Tire

Care Center

On July 6, 2012 the DeutscherFamily packed their vehicle

for a trip to a family reunion inBismarck, ND. It was a warm

summer evening and the roads

were perfectly clear. Allison andAaron were a young couple

who had just begun their familya year earlier with the birth of

their blue-eyed daughter Brielle.Allison was now 3 1/2 months

pregnant with their second child.This trip was a chance for themto share their excitement with

family, who eagerly awaited themat their destination. But Aaron,Allison and Brielle would neverarrive at their destination. In amatter of seconds, the youngDeutscher Family was gone.

Killed by a drunk driver

PLEASE DON'T DRINK & DRIVE!

Allison, Aaron & BabyBrielle Deutscher

Photo Credit: Dennis Krull (5foot20 Design Lounge)


34/56


Dont Keep Family in theDark About Your PlansBy Edward Jones

You might work diligently at

building a financial roadmapor your retirement yearsand a comprehensive estateplan. But you cant just createthese strategies you alsohave to communicate them.Specifically, you need to inorm

your spouse and your grownchildren what you have inmind or the uture becausethe more they know, the ewerthe surprises that await themdown the road.Lets start with your spouse.

Ideally, o course, you and yourspouse should have alreadycommunicated about yourrespective ideas or retirementand have come to an agreementon the big issues, such as whenyou both plan to retire, whereyoull live during retirement,and what you want to do asretirees (volunteer, travel, work

part time and soon).But what youboth might have

let slip throughthe cracks arethe importantspecifics relatedto financingyour retirement. Youll needto answer several questions,including these: When will you each starttaking Social Security? Are there strategies ormaximizing both o your SocialSecurity payments? When will you need to starttapping into your respective

retirement accounts, such asyour IRA and 401(k)? And,once you do start withdrawingrom these accounts, howmuch should you take out eachyear?You may want to work with

a financial proessional toaddress these issues, buthowever you proceed, you and

Jon Simmons

Financial Advisor


35/56


your spouse need to be on thesame page regarding the keyfinancial components o yourretirement.

Now, consider your grownchildren. You need to clearlycommunicate your estate plansto them, not only or the sakeo openness and honesty, butalso because they may wellplay active roles within thoseplans. So when talking to yourchildren, make sure you coverthese areas: Durable power o attorney You may well decide to giveone o your grown childrenthe durable power o attorneyto pay bills and make financial

choices on your behal i youare unable to do so. Estate executor An executoris the person or entity you

name in your will to carry outyour wishes. An executor hasa variety o responsibilities, soyoull want to choose someonewho is honest and capable odealing with legal and financialmatters. Again, you could aska grown child to serve as yourexecutor, but, to avoid potentialconflict o interests among yourchildren, you might want to gooutside the amily. alk withan attorney about how best toname your executor. Status o will and living

trust Assuming you havealready drawn up a will, shareit with your grown children.Te same is true with aliving trust, a popular estate-planning tool that may allowyour survivors to avoid going

through the time-consuming,public and expensive processo probate. A will and a livingtrust will obviously contain agreat deal o inormation yourchildren should know about so take the time to explain

your thinking when youcreated these documents.You want to enjoy acomortable retirement,and you want to leave ameaningul legacy through


36/56


your estate plans. o helpaccomplish both these goals,you need to include your lovedones in your arrangements

so open those lines ocommunication.Edward Jones, its employeesand financial advisors are notestate planners and cannotprovide tax or legal advice. Youshould consult your estate-planning attorney or qualifiedtax advisor regarding yoursituation.

Tis article was written by EdwardJones for use by your local Edward

Jones Financial Advisor.


37/56


Find Healthy Foods WhileOn Te GoNice weather ofen equates toan uptick in road trips. During

such trips, motorists and theirpassengers will need to takebreaks to reuel both theirvehicles and their bodies.Rest stop and conveniencestore snack options are ofenunhealthy, and it can be

difficult or nutrition-mindedtravelers to find acceptable are.But a little creativity coupledwith some smarter choices canensure road trips don't derailhealthy diets.Bring food along. One o the

easiest ways to eat healthywhile traveling is to bring mealsand snacks with you. Look orportable oods that may not

require much rerigeration,such as ruit bars or trail mix. Iyou have room in the car or asmall cooler or insulated lunchpacks, fill them with resh ruitsand sandwiches. Opt or leanlunch meats like chicken andturkey. Avoid using cheese ordressings like mayonnaise thatcan quickly spoil. Some othereasily portable oods includeapplesauce cups, oatmealpackets (all you need is hotwater rom a rest stop) andlow-sodium, low-at jerky.


38/56


Pack plenty o water, ahealthier choice than sofdrinks that will also keep youhydrated when sitting in the

car or extended periods otime.Find healthy fast food.I packing ood is notan option or i you justpreer the convenienceo getting somethingalong the way, you canstill make inormedchoices. Opt or oodsthat are roughly 500calories or less and boast plentyo protein and whole grains tohelp you eel ull longer. You

may not be able to enjoy low-sodium oods, as many astood options go heavy on thesalt. Just steer clear o extra

condiments that only increasethose already considerablesodiumlevels.I you mustopt or astood, do notorder sideso ries orchips, whichwill only

make meals less healthy. Also,avoid sugary sodas. Many astood restaurants offer some


39/56


healthy are, such as grilledchicken sandwiches. Ordersuch sandwiches plain orwith extra lettuce and tomato

or a healthy crunch. Ordersandwiches on whole-wheatbuns when possible.Kids' meals tend to havehealthy portion sizes. Ipossible, purchase a kid's mealand opt or a side o slicedapples or another healthyalternative.Make smart choices at sit-down restaurants, too.It'simportant to stay ocusedon healthy are even whenyou pull off the highway andpatronize more traditional sit-

down restaurants. Again, thinksmaller portions. Considersplitting an entre with anotherperson in your traveling

party. Some chains will offerthe nutritional inormationright on the menu, or put aspecial symbol next to theirhealthiest offerings. Substitutesteamed vegetables or starchyor attening side dishes andalways ask or sauces to beserved on the side.It's not always easy to eathealthy when traveling. Buttravelers can ofen find healthyare, even i they need to bringit along themselves.


40/56


Whos in Your Mirror?By Joyce Eisenbraun

In my amily, I have twowomen who chose differentpaths. One announced to theamily when she celebratedher 60th birthday that she wasnow old. She used the termrequently afer that birthday asthe reason she didnt have to dosomething she didnt like. Teother woman had a different

perspective, and in her mid-60scould run circles around mostcollege students. Both wereloving, wonderul women, buteach saw a different personwhen she looked in the mirror.One allowed her chronological

age to define who she was;the other defined hersel andignored the numbers.Somewhere there is an

assumption that a certain ageindividual must be chompingat the bit to retire. Yet thereare many examples in my lieo individuals who are livingvibrant, interesting lives asolder adults, both withintheir chosen career paths andoutside the 8-to-5 confines.Te difference seems to lie inwhether an individual thinkso themselves as old or asexperienced.One o our riends, who couldhave easily retired several years

ASSISTED LIVING REHABILITATION SKILLED NURSING CARE CHILD CARE CENTER

Assisted Living for Seniors

a ministry of elim care

3540 University Dr S

Fargo, ND 58104

701.271.1860www.elimcare.org/pioneer

Sharing a better way to live.

Enjoying Life


41/56


ago at age 65, said that he likeddoing new things and solvingproblems. In his role as a seniorengineer, his company is smart

enough to capitalize on thatwealth o wisdom and turnshim loose to tackle hard-to-solve questions. He loves thechallenges and has a largerepertoire to create innovativesolutions. In the meantime,hes solving tricky technicalglitches in the US and aroundthe globe. Hes happy, hiscompany has a resource ewcan boast, and he continues toenjoy his chosen path.Another new riend sharedthat at age 90 she was still

doing things that wereimportant to her. God doesnttalk about retirement, shelaughed, so Im still doing the

things Hes called me to do.


42/56


Although she needs a bit ohelp with daily tasks, her lie is

vibrant, healthy and joyul.One o my older mentors taught

me something valuable withher perspective on lie. WhenI asked the charming petite87-year-old i she was keepingbusy, she shot me a look, gave atiny ladylike snort, and replied,I dont keep busy, I DO things.Her time was used wisely,in helping others, praying,encouraging, being involvedshe did indeed do things.An internationally recognizedhealthcare philosophytheEden Alternativeechoesthese sentiments, emphasizing

the value o the individual asunique, with their own gifs,talents and abilities, and arecognition by care partners

that each person holds greatvalue. Having adopted the EdenAlternative philosophy about 18years ago, Elim Care has seenthe joy in honoring individuals,in recognizing the worth andcontributions o all older adults,enriching our world.So celebrate the person yousee in the mirror, regardlesso the calendar. What role doyou need to play in the worldaround you? You are a gif tothe world. Please share.


43/56


Quality Child CareProgramsBy Vanessa Strobel

Children have about 1,825 days

rom the day they are bornuntil they enter kindergarten.Incredibly, 90% o braindevelopment happens duringthis short time. Te brain is theonly organ not ully developedat birth. Te wiring that orms

the brains architecture happensin inancy and early childhood.And how that wiring is ormed,either as a strong or weakoundation, depends on a childsearliest experiences.A childs quality o lie andthe contributions he or she

will make to society can bedirectly traced to the firstew years o lie. High qualityearly education yields higher

graduation rates, reduced crime,higher earnings, and better jobs.When children enter schoolready to learn and parents areinvolved in their childrenseducation, we all benefit!Child care and early learningprograms are a critical placeto start making progresson improving upon ourachievement gap and buildingour uture workorce. Mostchildren under age six arein some orm o child careduring the week, and the


44/56


quality o care is varies greatly.Parent Aware is Minnesotas

voluntary Quality Ratingand Improvement System or

child care and early learning

programs. It is designedto provide parents withunderstandable inormationabout program quality and

ensure more children are readyor kindergarten by supportingearly childhood providers andteachers in building the qualityo their programs.Licensed amily child careproviders, along with childcare centers, school-based andprivate preschool, Head Startand Early Childhood SpecialEducation programs, can allchoose to participate in ParentAware. Parent Aware usesa our-star rating scale thatbuilds on licensing standards


45/56


and is based on research thathas identified which programeatures most impact schoolreadiness or all children birth

to kindergarten.Parent Aware is about creatingopportunities or childrenby creating opportunities ortheir caregivers. Te programimproves, supports, andcelebrates the strengths ochild care and early educationprograms.


46/56


, ,

P

/

BRAND NEW!

218.303.4504

Located in Dilworth Just

Northeast of Walmart

P R A I R I E C R O S S I N G T O W N H O M E S

WWW.FMIPROPERTIES.COM

ravel Can Be Fun andEco-Friendly, ooMany people go to greatlengths to adhere to eco-

riendly liestyles at home.Tat devotionto theenvironmentmay or maynot continuewhen thosesame peopletravel, butit is entirelypossible or travelers to taketheir eco-conscious behaviorswith them on the road.Whether traveling or personal

or proessional reasons,travelers can implement ahandul o simple strategies toreduce their carbon ootprints

while away rom home.Rent ahybridor eco-friendlyvehicle.I youwill berenting acar during

your trip, book a hybridvehicle or a small, uel-efficientmodel to cut back on uelconsumption. Many vehicles


47/56


are now equipped with ecomode, a eature that typicallyorces the transmission toupshif sooner than it normally

would in an effort to conserve

uel. Cars in eco mode mayseem somewhat sluggish, butthat sluggishness is actually theeco mode doing its job. It might

take some getting used to, but


48/56


DancingDiamond

Jewelry

Highway 10EasTen Shopping Center(Between Moorhead & Dilworth)

218-287-1411

HoursM-F: 10-6Sat: 10-3

Closed Sunday

EdesJEWELRY

DANCING DIAMOND

Pendants & Earrings

driving in eco mode can helptravelers reduce their vehicles'uel consumption.Reuse towels at the hotel.

Many hotels now ask gueststo reuse towels in order toconserve water. Guests whowant to make their hotel staysas eco-riendly as possibleshould work with hotels andreuse their towels or as long aspossible. I visiting a resort, tryto use the same pool or beachtowel or as long as possible aswell.Patronize restaurants that offerlocally grown foods. Anotherway to be eco-riendly when


49/56


traveling is to eat your meals atrestaurants that use only locallygrown oods and ingredients.Eating local reduces the need

to transport oods across longdistances, cutting back on uelcosts as a result. In addition,proponents o eating local

oods insist that locally grownoods taste resher than oodsbrought in rom aar.Use mass transportation.

When possible, use masstransportation rather thanrelying on taxis or car services.ake a bus or train rom the


50/56


airport to your hotel, and ridethe subway or just walk whensightseeing. Many travelers insistthat riding mass transportation

when visiting a city provides amuch more realistic experienceo lie in that city than travelingby cab or driving alone.

Kelly J. Richards

[email protected]

Gnon, MN

218

-

498

-

4444


51/56


WELCOME ALONG!

For information or brochures call 1-800-343-0093Carrol T. Juven Juven Tours & Travel, Inc.

PO Box 1266 Fargo ND 58107www.juventours.com Email: [email protected]

Visit our Offices:1336 25th Avenue S. Suite 207 Fargo, ND

EXPLORE NORTHERN MINNESOTA

June 11-14, 2016A New & Unique our

Warroad, Roseau & KarlstadCruise Lake of the Woods

And much more!

THE BAKKEN OIL TOUR

June 19-21, 2016A Changing Face of the Bakken

MEDORA AND THE BADLANDS

Aug. 14 16, 2016Exciting three day tour through

Medora, the Badlands &Teodore Roosevelt National Park

MINOTS NORSK HSTFEST TOUR

Sept. 27-29, 2016Largest Scandinavian Festival in USA

Exciting Entertainers & Shows

NASHVILLE AND A 10 STATE TOUR

Sept. 30 - Oct. 7, 2016St Joseph, St. Louis, Memphis,

Nashville, & ChicagoSpecial Shows, Graceland, Grand Ole Opry

& Music Museum, much more!BRANSON CHRISTMAS SHOWS TOUR

Nov. 3-8, 2016Featuring 5 Big Dinner Shows

And much more!


52/56


Maximize Your Farmer'sMarket ripCommunity-based farmer'smarkets can introduce shoppers

to an array of foods they mayotherwise never experience.Farmer's markets are great placesto find fresh, locally grown foods,and many market customers arehappy to know they're benefittingboth the environment and local

businessess with every dime theyspend.Farmer's markets can range fromthe very large to the relativelysmall, and first-time visitors maynot know where to begin. Tefollowing are a handful of ways to

maximize your visit to farmer'smarkets of all sizes.Take time to explore.Farmer'smarkets tend to have many of thesame fruits and vegetables youcan find at the local chain grocerystore, but farmer's markets alsoare known for offering morethan what you may find in

the produce aisle. ake time toexplore the market and you may

just find foods you typically onlyfind at your favorite restaurant.

Exploring also may introduce youto new foods you may otherwisenever have tried.Consider the timing of your

visit. Te popularity offarmer's markets has increaseddramatically as more and morepeople embrace the conceptof buying locally grown foods.While that's great news for theplanet and local farmers, shoppersshould keep that in mind whenplanning their visits. If you lovetrying new foods, arrive early tothe farmer's market before the


53/56


more unique offerings have beensnapped up. Foods that have smallyet devoted followings may notbe available in abundance, and

you may end up leaving empty-handed if you arrive late. If it's abargain you want, then visit laterin the day when farmers withsubstantial remaining inventorymay be more inclined to lowertheir prices.Know your seasons. Some fruitsand vegetables are better at certaintimes of the year than others.Freshness draws many people tofarmer's markets, and foods thatare in-season are more likely tohave that unforgettable freshnessthan those that are out of season

or nearing the end of their season.Knowing the seasons is importantfor budget-conscious shoppersas well. If you're shopping on abudget, purchasing foods whilethey're in-season may save yousome money, and you can always

stock up on your other favoriteslater on when it's their turn to bein-season.

Speak with the sellers.First-timefarmer's market shoppers may feellike they're lost in the woods whileeveryone else seems to know

exactly what they want and whereto get it. If you find the farmer'smarket somewhat intimidating,speak with the sellers. Shopping at


54/56


THINK SUMMER!Get Your Push Or Rider Mower Ready Now!

Free pick-up & delivery with

purchase of Tune-Up!

(Offer expires August 15th2016)

*Over 25 Years Experience

Factory Trained and Certifed

*Authorized Warranty Service Center

for these major brands AND MORE!

QUALITY LAWN SERVICE AVAILABLE!

Snowbusters, LLC1609 27th St. S. #3Moorhead, MN [email protected]

the local farmer's market tends tobe more intimate than shopping atthe chain grocery store, and manysellers would be happy to offer

you some tips and make some

suggestions based on the mealsyou like.Farmer's markets are great placesto support local businesses and

find fresh foods.

(218)493-4535 (888)548-6417

www.thompsongreenery.com

1301 Hwy 34 Barnesville, MN 56514

CUSTOMIZEDBUSINESS CARDS

WEDDING INVITATIONSGRADUATION

ANNOUNCEMENTSLOGOS RSUMS MORE

CREATIONS

K

R

C

Kimberly C. Robertscall text email701.226.9618

[email protected]


55/56



56/56

JamminCountry.com MoondanceJam.com

Check out these other exciting events at www.MoondanceEvents.net

MOONDANCE FAIRGROUNDS: 7050 39th AVE. NW. WALKER, MN. 56484 6 MILES EAST OF WALKER

Buy Tickets and CampingNow! Order Online or

Call 218-836-1055

The Festival That Puts You Up Front.

Back for

a 4th year...4th Annual

Life Is Always Better At MOONDANCE

July 21st-22nd-23rdJune 17th-18th Its OurBiggestEvent Yet!

FREE2016Annive

rsaryPins!FORFOMs!!PurchaseticketstobothMoondanceJamminCountryFestandMoondanceJamfromtheMoondanceTicketOceandyouwillreceiveaFriendsofMoondancePass! TheFOMPasscomeswithaprepartytoeachfestival andsomegreatperks!PlusasetofFREEAnniversaryPins!

Jammin Country Fest Weekend

BOSTON CHICAGOGODSMACK

RICK SPRINGFIELD bushSixx:a.m. LOVERBOY

Queensryche chevelleBLUES TRAVELERLITTLE RIVER BAND

FOGHAT FIREHOUSEkix THUNDHERSTRUCK

DIERKS BENTLEYJAKE OWEN

randy housertravis TRITT

chris jansonNEAL MCCOY32 BELOW

CHRIS HAWKEY

Killer Queen Fabulous ArmadillosMountain Ash

Farewell AngelinaLost Highway Shane Martin

Roger Clyne and the Peacemakers

Pre Jam: June 16th Pre Jam: July 20th

..

Cass & Clay County Magazine

Documents

Transcript of Cass & Clay County Magazine