Broadcaster Press 5 August 13, 2019 www.broadcasteronline.com Here’s Why You Need A Will, And How To Get One By Chris Hogan We all want to do nice things for our loved ones. We go on family trips and celebrate life's wins together. It's sometimes difficult for us to consider the bad things that can happen in life, but we still have to be prepared. That's why having a will is so important! Not having a will in place leaves room for arguments among your loved ones and anyone else who might pop up wanting a piece of your stuff. That’s not okay! The last thing you want to do is add more stress to their lives after you’re gone. This is your legacy we’re talking about here. Do you want to leave that to chance? Protecting your wealth—and your family—with a will is one of the best gifts you can leave to those you love. And with August being National Makea-Will Month, there’s no better time to get yours done. What exactly is a will, and why is it important to have one? Your grieving family members won’t automatically know what you wanted them to do with your money or your stuff—you need to tell them. That’s where your will comes in. A will basically establishes a plan for how your stuff is distributed after you die. It’s your way of saying exactly who gets what and what goes where— and getting it down in writing. According to a recent survey conducted by Ramsey Research, almost three out of four parents with kids (74%) don’t have a will in place. That’s a big problem! How do you make a will? Yanking out a sheet of paper and scribbling “My family gets all my stuff” isn’t going to cut it. But making a will really isn’t that hard. And in most cases, you don’t even need to go to an expensive lawyer to get one done. Here are seven quick steps that will help you create a will that sticks: 1. Decide what to include in your will. This includes a list of your savings and investment accounts, plus the paperwork for your home and any other real estate you own. You also might want to include valuable possessions, like jewelry or cars. 2. Select your beneficiaries. Now you’ll get to decide how your stuff is split up and who gets what. Maybe you want half of your assets to go to your surviving spouse while the other half is split evenly between your kids. Whatever it is, get it in writing! 3. Choose an executor for your will. The executor is the person who will read the will and make sure that your wishes explained in the will are carried out. South Dakota 4-H Boosts Leadership Skills and Civic Engagement Through 4-H Citizenship Washington Focus Leadership & Personal Development Project Learning about political processes in the vibrant, living classroom of the nation’s capital, 38 South Dakota 4-H youth participated in Citizenship Washington Focus (CWF), an intensive 4-H civic engagement program for high school youth. The program was held at the National 4-H Conference Center in Chevy Chase, Md., on June 15-23. “The overall experience was incredible. I made lifelong friends and learned valuable lessons from our nation’s capital. The memories I made on this trip are unforgettable and have deepened my appreciation for United States history,” said Laura Bogue of Lincoln County. For more than 50 years, the National 4-H Conference Center has invited thousands of youth from across the country to travel to Washington, D.C., and participate in civic workshops, committees and field trips before returning home to make positive changes in their own communities. CWF not only strengthens youth’s understanding of the government’s civic process, but it also boosts their leadership skills, communication skills and overall confidence. During CWF, youth get a behind-the-scenes look at the nation’s capital while meeting with members of Congress to learn more about how their government works. At the end of the program, youth draft stepby-step action plans to address important issues in their communities. “CWF was so much fun, from making new lifetime friends, to learning about historical events, government and our country," said Taryn Opdahl of Hamlin County. The South Dakota 4-H contact for information about CWF is Amanda Stade, SDSU Extension 4-H Events Management Coordinator (605-688-4167). Get your ad in the.. Classifieds Today! CALL: 624-4429 or FAX: 624-2696 EMAIL: classifieds@plaintalk.net ONLINE: BroadcasterOnline.com DROP BY: 201 W. Cherry, Vermillion Don’s Dust Control • Horse Arenas • Private & Commerical Drives • Unpaved Roads • Grain Elevator Access • Free Estimates 4. Name guardians for your children. If you have young children, you need to decide who will take care of them after you’re gone. 5. Sign your will in front of witnesses. Don’t forget this step! A written will is not valid unless it’s signed and dated by the one writing the will, notarized by a notary public, and signed by two witnesses. 6. Let everyone know beforehand. Your will shouldn’t be a mystery novel. Do yourself a favor and read your will to your beneficiaries before you’re gone. Taking away the element of surprise could save a lot of headaches for them later on. 7. Store your will someplace safe. Make sure you put your will, along with other important documents, someplace that is waterproof, fireproof and accessible for loved ones to find. I personally have a wooden box of folders that contains my will and all related documents, filed nicely in a safe place where my family can easily reach it. And if you need a helpful guide, this will preparation checklist can help you decide what you need to have in your will before you create one. Don’t wait another day to get your will! Once you’ve really thought through what you want to include in your will, (StatePoint) A new school year means new classes, new teachers and new schedules. At home, you can riff on this theme with new books to be enjoyed outside the classroom, that spark interest in different subjects. To open doors for young minds, consider the following titles: • Crafty coding: For kids with a potential interest in computers and coding, consider “How to Be a Coder.” Breaking down the principles of coding into bite-sized chunks, it will get them thinking like computer scientists in no time. Learn about loops by making a friendship bracelet, find out about programming by planning a scavenger hunt, and discover how functions work with paper fortune tellers. 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After school is the perfect time to explore topics of interest, and a treasure trove of books can make learning new things fun. • AUTOMOTIVE COLLISION REPAIR • PAINT • FRAMEWORK • GLASS REPLACEMENT Carpentry, Decks, Windows & Doors, Re?nishing, Drywall, & Ceramic Tile Tell them you saw it in the Broadcaster! 624-4429 Free Estimates About Chris Hogan Chris Hogan is a #1 national bestselling author, dynamic speaker, and financial expert. For more than a decade, Hogan has served at Ramsey Solutions, spreading a message of hope to audiences across the country as a financial coach and Ramsey Personality. Hogan challenges and equips people to take control of their money and reach their financial goals through The Chris Hogan Show, his national TV appearances, and live events across the nation. His second book, Everyday Millionaires: How Ordinary People Built Extraordinary Wealth — And How You Can Too, is based on the largest study of millionaires ever conducted. You can follow Hogan on Twitter and Instagram at @ChrisHogan360 and online at chrishogan360.com or facebook.com/ chrishogan360. Great Reading Ideas to Inspire Young Students 605-491-2133 19 Years in Business you can prepare it in 20 minutes or less. There are plenty of places online that make it easy for you to create a will that’s specific to the state where you live. No matter how much or how little you own, you need a will. Your loved ones will already be going through a lot when you pass away, and you don’t want to add stress to an already stressful situation. • Roofing • Siding • Gutters • Decks • Windows Call Steve or Lexee Your Certified Exterior Experts 605-595-7809 Vermillion, SD • ironcladconstructionsd.com Ryder Henriksen Ryder Henriksen is in 2nd Grade at Irene-Wakonda Elementary School and on the Vermillion Area Swim Team (VAST). This will be his 3rd year swimming on the VAST team. His two favorite types of swim strokes are freestyle and breaststroke. “My favorite thing about swimming is swimming and going to swim meets,” said Henriksen. “I also enjoy cheering on my teammates.” Henriksen also plays baseball on the Irene-Wakonda team and plays basketball. “I enjoy playing video games, drawing comics, and playing outside,” said Henriksen when he is not involved in sports. Henriksen’s words of encouragement are “Do Great!”