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August 7, 2013

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SENTINEL TRIBUNE Wednesday, August 7, 2013 Page 4 O O O O Incorporating Social begin receiving distributions can Security into o retirement affect, the monthly amounts you strategy is a smart move will receive. For example, if you're The money taken out of your divorced or widowed, a financial paycheck every month may be representative will be able to cal- unwelcome now, but it can give culate the different ways you can you monthly income later in life. claim benefits and how they can However, some question if Social affect your retirement strategy. Security will last long enough for 3. Wait to draw. Now that you those in the work force now to are planning for it, you can figure be able to receive these benefits, out when the right time for you to According to Social Security trust- start receiving benefits. For many ees, enough reserves exist for the people, this will most often be after system to pay 100 percent 0fprom- the age that you are eligible to start ised benefits until 2033, without collecting full benefits. For every further reform. Full benefits are year that you delay, Social Security available at age 65 for those born benefits will increase by a set per- before 1938, gradually increas- centage, eventually putting your ing to age 67 for those born in monthly benefit above 100 percent. 1960 or later. There is more to Delaying canalsomultiplytheben- Social Security than just applying efits after it is adjusted for cost-of- for retirement benefits when yon living and can potentially reduce are eligible at age 62 or over. By the number of years benefits are waiting, you can maximize your subject to income taxes. Factors to benefits, which will increase every consider as to when to file for your year you choose to wait to file for Social Security benefits include: Social Security retirement benefits, health status, life expectancy, need It is suggested you consider these for income, future employment, and four tips before applying for Social survivor needs. A financial rep- Security. resentative can help you build all 1. Don't ssume it won't be of this information into an overall there. Social Security is projected retirement strategy. to last at least until 2033, so the 4. Get your financial house first mistake is writing it off as a in order. If you delay your Social resource that won't be available. Security benefits, you will need to Planning early for the role Social have another way to pay for your Security will play in your retire- needs while you are not working. If ment will prevent you from being you planned early enough, you will caught off guard and missing out likely have adjusted your finances on increased benefits once you are so that you are prepared. Again, ready to start collecting, talking to a representative can help 2. Know your situation, you plan the best option for the Retirement income planning is interim time before Social Security critical. Social Security has many paychecks. nuances, so a personalized approach Social Security can be confusing, is necessary to get a better grasp of but talking to a representative can your retirement future. By using help you clarify the role it can play your current information from the in your retirement strategy. Once Social Security Administration, you have a strategy in place, you financial representatives may be will better be able to enjoy your able to create scenarios to give retirement years, without worrying you an idea of how the age you about the next paycheck. Ag Lenders Conference at UMN Southwest Research and Outreach Center Art Barnaby, Professor of Livestock Economics" will also Agricultural Economics at Kansas be presented by SWROC staff and State University will be the key- Extension Educators. note speaker August 13, 2013 The conference is sponsored for the 30th Annual Agricultural by Southwest Minnesota Farm Lenders Day Conference to be held Business Management Association, at the University of Minnesota University of Minnesota Southwest Southwest Research & Outreach Research & Outreach Center and Center (SWROC) in Lamberton. University of Minnesota Extension. Dr. Barnaby is a nationally recog- Agricultural lenders, farm manage- nized speaker on crop insurance and ment and agribusiness professionals farm risk management. He is the throughout Southwest Minnesota recipient of numerous awards and is and the region are invited to attend. a widely published author. He will The Conference begins at 9:00 address "Impacts of Crop Insurance a.m. with registration starting at on Agricultural Credit Risks and 8:30 a.m. The conference con- Crop Producer Decisions", in the eludes at 3:30 p.m. A steak lunch current climate of economic and will be served. There is a registra- price volatility, tion fee for the conference. Pre- "Current Crop Production registration information including Research", "Farm Financial Trends" the agenda is available at http:// from the Southwest Minnesota . The pre-registra- Association (SWMBFMA) as well tion deadline is August 7th. as UMN Agriculture and Business For more information contact Management updates on "Farm Barb Lenning at (507) 752-5094 or Tax Issues", "Grain Marketing and Letter Policy "We welcome your participation, whether in letters or commentary. If possible, please make your submission by e-mail to sentrib@ncp- Conventional mail address is Sentinel Tribune, P.O. Box 98, Westbrook, MN 56183. Our Fax number is 507-274-6137. We require submissions be original in our market area (no form letters please). All must include writers name, address, and day time telephone number. Letters should be brief, up to 250 words, other submissions should be no longer than 500 words. Original items can not be returned unless the writer would pick them up at the office or send self addressed stamped envelope. No items will be kept longer than 30 days. We reserve the right to edit or refuse publication of any submitted letters or stories." Thanking people/groups /organizations has to be run as a Thank You ad and will not be run as a Letter tO the Editor. "Stories from the BaH Cave" Fair thee well, fair fairgoer Fair time is a time to park in the shade. Unforttmately, it comes at the time of the year when shade is rarer than the smell of mosquito spray in January. The fair could be called The Experience Humidity Expo. People ask me how I like the hot weather. I tell them that I wish it would warm up a bit. I don't mean that, but I have no power over the weather, so it doesn't matter. I might as well enjoy what I'm given. Besides, we are occasionally given a fair day so beautiful that I have to sit on my hands to keep from applauding. Such days are just as good as sneaking into a free fair. The fair gives us the opportunity to share a good day and keep the bad the child screaming for whatever kind of food was being offered at a stand they walked past. They were courted by food vendors of cheese curds, mini-doughnuts, cot- ton candy, and corn dogs. The boy tried to take candy from a baby and ended up with cotton candy in his hair. The grandfather was working through it, saying in a controlled voice, "Easy, Edward, we won't be long. Just stay calm." The boy threw an epic tantrum in the hopes of obtaining a toy heli- copter that actually flew. Another outburst came on behalf of a cam- paign to become owner of a black lab puppy. His grandfather said, "It's OK, Edward, just a couple more minutes and we'll be out of here. Hang in there, boy." He told his grandson a joke, hoping that would soften the ten- sign. "If you were surrounded by days to ourselves, ; . ten lions, five tigers;' three griz- Any day witlaout excessivezly.bears, and four leopards, flow horrendous humidity, or pouring, would you escape?" ram is gravy. The lad didn't know the answer, I should add that a day of execs- which was "Wait until the merry- sive heat, horrendous humidity, or go-round stops and get off." pouring rain is gravy. Such weather Neither man nor boy laughed, gives a person the chance to make but the boy screamed his desire to his or her own gravy, go on a ride. Food-on-a-stick addicts swarm. In an area abounding with deaf- If you can put it on a stick, some- ening music, some of which wasn't one will eat it. Deep fried butter as bad as it sounded, the man on-a-stick proves that. Competitive couldn't fred any loud enough to eaters that put Joey Chestnut to drown out his grandson's constant shame, graze the fairgrounds, demands and complaints. The man walked the fairgrounds "Be happy, Edward," said the with his badly behaved 3-year-old man reassuringly. "This is the fair. grandson. Adults are good at telling You're supposed to have a good kids to behave. They don't need to time." be told. Children always behave. The man didn't want to take the Sometimes it's bad behavior and boy down the midway. The thought sometimes it's good behavior, of walking by rides named "Call The man had his hands full, with Your Lawyer" and "The Creeping Wedgie" sent a shudder running up and down his spine. Those rides could cause laundry-inducing moments. He'd taken the boy on one of the rides the day before. Actually, the man had gone on two rides, his first and his last. He never trusted those things. He hadn't since the day he overheard his mother tell her sister, "Those midway rides are like men. Even the best ones will make you sick." The man thought the ring toss stand would be a better choice. The object of the game is to toss a ring over the neck of one of many glass bottles lined up side-by-side. Winners get a big bottle of pop. The little terror threw rings every- where. He hit more people than pop bottles. The man said in a controlled voice, "Edward, Edward, listen to me. Relax buddy, don't get upset. We'll be home shortly, stay cool, Edward." A Lions me he i0ke Lions i 'Club ran the ring :t0ss g e, impressed by the man. The Lion said to the man, struggling to drag his grandson to their car, "It's none of my business, but you are amaz- ing. I don't know how you do it. You kept your composure, and no matter how loud and disruptive the boy became, you calmly kept saying that things would be OK. Edward is lucky to have you as his grandfather. "Thank you," said the man, "but I'm Edward. The little brat's name is Stuart." AI Batt 2013 71622 325 St. 1-1, MN 56042 (ISSN 8750-3905) Thomas Merchant Managing Editor Junette Merchant Office & Production Joan Spielman Ad Representative & Office Published every Wednesday at Westbrook, Minnesota 56183 Periodicals Postage Paid at Westbrook, Minnesota 56183 SUBSCRIPTION PRICE FOR THE SENTINEL TRIBUNE WILL BE: In the following counties: Cottonwood, Redwood, and Murray $42.00 per year. Elsewhere in Minnesota $46.00 per year. Out of the state $52.00 per year. Canada and foreign countries inquire at the Sentinel Tribune Office. If wrong amount is submitted subscrip- tion will be pro rated accordingly. "Snowbirds" may put their paper on hold at no extra charge while they are gone, or pay $5.00 extra to have it mailed out of state. Missed copies cannot be furnished because the cost of mailing single copies is about $2.00. Any request for a back copy must include $3.00. 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