9-27-22 WP 20pgs

• Haul Truck Driver - Full

• Lube Technician - Full Time

• Process Technician - Full Time

y e r s , d i s h e s, f r e e z e r s , m o w e r s , s t o r a g e c u p b o a r d s , f l a t g r i l l s , a n d s o m u c h m o r e ! A l s o c o m m e r c i a l i t e m s : d i s h w a s h e r , s t e a m t a b l e , o v e n s , r e f r i g e r a t e d t a b l e , p a n s , etc. This sale is at 2 loc a t i o n s i n S p e a r f i s h s o b e s u r e t o v i s i t b o t h ! 2 6 2 5 E m e r a l d C o u r t ( e x i t 8 t h e n w e s t o f f D i a m o n d D r i v e ) , a n d a t N o r t h v i e w S t o r a g e o n H w y 1 4 ( e x i t 8 t h e n e a s t )

• Shop Technician - Full Time

• Welder - Full Time

• Safety Technician - Full Time

• Crusher -

a g e c u p b o a r d s , f l a t g r i l l s , a n d s o m u c h m o r e ! A l s o c o m m e r c i a l i t e m s : d i s h w a s h e r , s t e a m t a b l e , o v e n s , r e f r i g e r a t e d t a b l

FULL-TIME & PART-TIME HELP WANTED

Production Worker

Afternoon and evenings shifts approx. 15-20 hours/week (part-time) or 32-40 hours/week (full-time). Must be at least 18 years old, be self motivated, able to work independently and have a mechanical mind set. Applicant must have a valid driver's license and be able to lift 50 lbs.

Employees will work with machinery insert ing advertisements on a production line prep ping publications for daily delivery as well as other various tasks. Perfect for college stu dent or retired person.

For more information, call 605-642-2761 or 605-645-1879 and ask for Scott Trimble.

Yes we design logos! Call our Black Hills Pioneer marketing experts today 605 642 2761

Yes we design logos! Call our Black Hills Pioneer marketing experts today 605 642 2761

NEWS REPORTER

We are looking for a fulltime general assignment reporter/writer to join our news team at the locally owned Black Hills Pioneer newspaper. Experience preferred, but we will gladly train the right person with sharp writing skills.

Our office prides itself on a fun, fast-paced team environment.

Benefits package includes: Paid vacation, sick leave, health insurance, profit sharing and a retirement plan.

For more information or to submit a resume please e-mail Mark Watson, editor at news@bhpioneer.com or mail resume to 315 Seaton Circle, Spearfish, SD 57783

~ Family owned & operated Since 1876 ~

Coeur Wharf Mine in Lead, South Dakota is looking for enthusiastic, dedicated and hardworking candidates for the open positions listed below.

PETS WEEKOF THE

Moose

She is up-to-date on her vaccines and she is spayed. She is very apprehensive right now, so it may take multiple visits to get her to warm up. Moose would do great in a home with another one of her litter mates or on her own.

Ollie

He is the father in our newest family of miniature Australian shepherds. He is up-to-date on all of his vaccines and he has been fixed. He is a little apprehensive of new people, so it may take multiple visits for him to warm up to you. Ollie would be great in a home as an only dog or with his other litter mates.

Lily

She is up-to-date on all of her vaccines and has been spayed. Lily was a stray cat for a long time, but you would never know by meeting her. She is very curious and smart and would make for a good solo companion.

Richie

He is up-to-date on his vaccines. Richie is very curious and loves to get attention. Richie doesn’t seem to have any problems with other cats, and would make for a good addition to a house with children or other friendly cats.

Make a difference for life.

Adopt a shelter pet today!

All Pets are spayed or neutered before they leave the shelter.

Lost pets and strays fill the shelter, can you help with time or donations?

Some have to choose between food for family or food for pets.

To discourage animal abandonment, a Pet Food Pantry is available at the shelter for those who need it.

Won’t you help us stock the Pet Food Pantry? Just drop off food at WHHS.

Immunize, spay/neuter, shelter from the cold, and LOVE your pets!

www.petfinder.com

umane society

324 Industrial Dr., Spearfish • 605-642-1576

Cashier

The Midnight Star is under new ownership and management.

We are hiring immediately for new talent to join our team! If you are searching for the perfect parttime job or full-time job, we have cashier positions available. Must have a South Dakota support gaming license. The primary responsibility of the cashier includes, but is not limited to: exchange cash, tickets and chips for our casino. We offer above-average pay DOE, a fun and friendly work atmosphere, an employee discount, health, dental and vision insurance for full-time employees. Free employee meal during your shift! Stop in and visit with us in person or submit your resume to marketing@themidnightstar.com

Bartender

The Midnight Star is under new ownership and management.

Our restaurant has increased its hours of operation and we need bartenders!

If you enjoy working in a fast paced and fun atmosphere, we want to see you! We offer above average pay, an employee discount, health, dental and vision insurance for full time employees and a free employee meal during your shift. Shifts can be part-time or full-time. Stop in at 677 Main St. to fill out an application or send your resume to marketing@themidnightstar.com

Floor Supervisor

The Midnight Star is under new ownership and management.

We are searching for the best of the best to join our growing team. A floor supervisor interacts with customers, makes certain SD Gaming Laws and procedures are observed, assists with bar tending, and the overall appearance and atmosphere of the casino. You must have a SD Key License for this position! Part-time or fulltime position available. We offer PTO, above average pay DOE, health, dental and vision insurance for full-time employees, employee discount and a free employee meal during your shift. Stop in and fill out an application at 677 Main St. in Deadwood or send your resume to marketing@themidnightstar.com.

a n d g o e s t h r o u g h t h e w i n t e r s k i s e a s o n The candidate will need t o w o r k i n i n c l e m e n t w e a t h e r c o n d i t i o n s a n d terrain, be able to lift up to 75 pounds, and must h a v e a v a l i d d r i v e r ’ s l i c e n s e B e w i l l i n g t o l e a

RCS CONSTRUCTION

• Concrete Workers

• Carpenters

• Operators

• Pipe Layers

With 3 years minimum experience. Must have own tools.

Apply at rcsconst.com or come in to the office at 1314 Fountain Plaza Dr., Rapid City, SD. EOE.

#2102758

#2102816

#2103047

Laborer

Sponsored

n t h e j o b training intended to fur ther develop your talent, s k i l l s a n d a b i l i t i e s F S A o f f e r s a f r i e n d l y a n d p r o f e s s i o n a l w o r k i n g e n v i r o n m e n t w i t h a d i v e r s e w o r k f o r c e a n d f a m i l y f r i e n d l y b e n e f i t s Benefits will include th e o p t i o n s o f l i f e i n s u r a n c e , h e a l t h i n s u r a n c e , a 4 0 1 K p l a n , a n d P T O I f y o u h a v e a n y q u e s t i o n s a b o u t t h e o n l i n e process, the position or anything, please call Ju l i e W i l l i a m s a t ( 3 0 7 ) 2 6 1 5 1 4 2 R e a d m o r e a b o u t C o u n t y P r o g r a m Technician at www usa j o b s g o v / G e t J o b / V i e w D e t a i l s / 6 7 7 3 9 8 4 0 0 T h e o n l i n e a p p l i c a t i o n p r o c e s s w i l l c l o s e F r i d a y , S e p t e m b e r 3 0 , 2 0 2 2 a t m i d n i g h t E T U S D A i s a n e q u a l o p p o r t u n i t y p r o v i d e r , e m p l o y e r a n d l e n d e r

Put the power of print to work for you! Call Black Hills Pioneer today 605 642 2761

W E S T O N C O U N T Y

F A R M S e r v i c e A g e n c y ( F S A ) i s l o o k i n g f o r a t e a m m e m b e r T h i s i s a t e m p o r a r y p o s i t i o n t h a t m a y b e c o n v e r t e d t o permanent, full time po s i t i o n i n t h e N e w c a s t l e o f f i c e S t a r t i n g w a g e i s $ 1 5 + / h r A s a t e a m m e m b e r , y o u w i l l t a k e p a r t i n t h e d e l i v e r y o f e s s e n t i a l a n d c r i t i c a l programs as a Program

T e c h n i c i a n b y p r o v i d i n g a d m i n i s t r a t i v e a n d t e c h n i c a l s u p p o r t Y o u w i l l r e c e i v e o n t h e j o b training intended to fur ther develop your talent, s k i l l s a n d a b i l i t i e s F S A o f f e r s a f r i e n d l y a n d p r o f e s s i o n a l w o r k i n g e n v i r o n m e n t w i t h a d i v e r s e w o r k f o r c e a n d f a m i l y f r i e n d l y b e n e f i t s Benefits will include th e o p t i o n s o f h e a l t h i n s u r a n c e , a n d P T O I f y o u h a v e a n y q u e s t i o n s a b o u t t h e o n l i n e p r o c e s s , t h e p o s i t i o n o r anything, please call Ju l i e W i l l i a m s a t ( 3 0 7 ) 261 5142 Julie can fur t h e r e x p l a i n t h e T e m p o r a r y t o c o n v e r t t o P e r m a n e n t n a t u r e o f t h i s p o s i t i o n R e a d more about County Pro g r a m T e c h n i c i a n a t w w w u s a j o b s g o v / G e t Job/ViewDetails/677396

9 0 0 T h e o n l i n e a p p l i c a t i o n p r o c e s s w i l l c l o s e F r i d a y , S e p t e m b e r 3 0 , 2 0 2 2 a t m i d n i g h t E T U S D A i s a n e q u a l o p p o r t u n i t y p r o v i d e r , e m p l o y e r a n d l e n d e r

Visit bhpioneer com today! Log On Anytime

bhpioneer

T E R R Y P E A K i s a c t i v e l y h i r i n g t h e L i f t O p e r a t o r S u p e r v i s o r T h i s p o s i t i o n w i l l b e g i n i m m e d i a t e l y a n d g o e s t h r o u g h t h e w i n t e r s k i s e a s o n T h e c a n d i d a t e w i l l n e e d t o p r o p e r l y t r a i n a n d e f f i c i e n t l y c o m m u n i c a t e h o w t o m a i n t a i n s a f e t y a t t h e r a m p s a n d m a z e s a n d ticket checking, all while exhibiting a high level of customer service Com p e n s a t i o n d e p e n d s o n e x p e r i e n c e , a n d e m ployee season pass

Yes we do full color printing! Call Black Hills Pioneer today 605 642 2761

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Yes we do e marketing! Call Black Hills Pioneer today 605 642 2761

To whom it concerns,

This is a HUGE THANK YOU to the ER doctors, nurses and cooks at the Spearfish hospital. I had COVID and was in the hospital for 3 days. I had the very, very best care ever! With all that they’ve had to deal with in the last 2 years, it would drive anyone nuts! I feel so lucky to have a great place right here and the hospital was excellent! My praises go out to all of them! Keep up the good work and God bless you all!

Thank you from the bottom of my heart.

Sincerely, Nancy McGinnis

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Different phone networks and manufacturers utilize QR codes in different ways. You will need to install a QR code scanning app if it is not already installed. Many QR code scanners are available for free. Just visit your app store for a helpful list of available apps.

M O V I N G S A L E : S A T U R D A Y O c t 1 8 a m N o o n E v e r y t h i n g m u s t g o ! F u r n i t u r e , h u t c h e s , w a s h e r s / d r y e r s , d i s h e s, f r e e z e r s , m o w e r s , s t o r a g e c

f o r a P l a n n e r P a r t t i m e 2 9 h o u r s p e r w e e k M F , hours flexible Deadline: O p e n e d u n t i l f i l l e d F o r a full description please g o t o w w w b u t t e s d org/employment or stop by the Butte County Ad m i n i s t r a t i v e B u i l d i n g located at 117 5th Ave., B e l l e F o u r c h e , S D 5 7 7 1 7 B u t t e C o u n t y i s an equal opportunity af firmative action employ er

P A R T T I M E H O M E M A K E R / A i d e p o s i t i o n a v a i l a b l e C o u l d w o r k i n t o f u l l t i m e . E x c e l l e n t o p p o r t u n i t y t o w o r k i n d e p e n d e n t l y a n d m a k e y o u r s c h e d u l e w o r k f o r y o u M u s t b e 1 8 y r s o r o l d e r , h a v e a v a l i d d r i v e r s l i c e n s e , r e l i a b l e t r a n s p o r t a t i o n a n d l i k e working with all types of p e o p l e i n t h e i r h o m e e n v i r o n m e n t C a l l 8 0 0 9 8 9 3 7 3 8 f o r m o r e i n f o r m a t i o n

402 full-time helP Wanted K I L L I A N ' S F O O D & D R I N K H I R I N G ! L o o k i n g f o r a n e x p e r i e n c e d i n d i v i d u a l t o t a k e o v e r t h e k i t c h e n m a n a g e m e n t d u t i e s a t a w e l l e s t a b l i s h e d r e s t a u r a n t i n S p e a r f i s h , S D H e l p a n d s u p p o r t w i l l b e p r o v i d e d b y o w n e r / chef/founder, as well as a n e x t e n s i v e f l o o r a n d b a r m a n a g e m e n t t e a m T h i s i s t r u l y a c h e f ’ s choice job because cre a t i v i t y a n d f u n f o r w a r d t h i n k i n g i s w e l c o m e d a n d e n c o u r a g e d A p p l y on Indeed, Facebook, in p e r s o n , o r c a l l N i c k a t ( 6 0

m b e r , y o u w i l l t a k e p a r t i n t h e d e l i v e r y o f e s s e n t i a l a n d c r i t i c a l programs as a Program

T e c h n i c i a n b y p r o v i d i n g a d m i n i s t r a t i v e a n d t e c h n i c a l s u p p o r t Y o u w i l l r e c e i v e o n t h e j o b training intended to fur ther develop your talent, s k i l l s a n d a b i l i t i e s F S A o f f e r s a f r i e n d l y a n d p r o f e s s i o n a l w o r k i n g e n v i r o n m e n t w i t h a d i v e r s e w o r k f o r c e a n d f a m i l y f r i e n d l y b e n e f i t s Benefits will include the o p t i o n s o f l i f e i n s u r a n c e , h e a l t h i n s u r a n c e , a 4 0 1 K p l a n , a n d P T O I f y o u h a v e a n y q u e s t i o n s a b o u t t h e o n l i n e process, the position or anything, please call Ju l i e W i l l i a m s a t ( 3 0 7 ) 2 6 1 5 1 4 2 R e a d m o r e a b o u t C o u n t y P r o g r a m Technician at www usa j o b s g o v / G e t J o b / V i e w D e t a i l s / 6 7 7 3 9 8 4 0 0 T h e o n l i n e a p p l i c a t i o n p r o c e s s w i l l c l o s e F r i d a y , S e p t e m

p a r t i n t h e d e l i v e r y o f e s s e n t i a l a n d c r i t i c a l programs as a Program T e c h n i c i a n b y p r o v i d i n g a d m i n i s t r a t i v e a n d t e c h n i c a l s u p p o r t Y o u w i l l r e c e i v e o n t h e j o b training intended to fur ther develop your talent, s k i l l s a n d a b i l i t i e s F S A o f f e r s a f r i e n d l y a n d p r o f e s s i o n a l w o r k i n g e n v i r o n m e n t w i t h a d i v e r s e w o r k f o r c e a n d f a m i l y f r i e n d l y b e n e f i t s Benefits will include th e o p t i o n s o f l i f e i n s u r a n c e , h e a l t h i n s u r a n c e , a 4 0 1 K p l a n , a n d P T O I f y

6 p.m.

NC State at Clemson TBA Oklahoma State at Baylor TBA

NCAA Division II

Saturday 10/1

BHSU at SD Mines 6 p.m.

NFL Thursday Night 9/29

Miami at Cincinnati 6:15 p.m.

Sunday 10/2

Minnesota vs. New Orleans (London) 7:30 a.m. Chicago at N.Y. Giants 11 a.m.

Buffalo at Baltimore 11 a.m.

Cleveland at Atlanta 11 a.m.

Jacksonville at Philadelphia 11 a.m.

L.A. Chargers at Houston 11 a.m. N.Y. Jets at Pittsburgh 11 a.m.

Seattle at Detroit 11 a.m.

Tennessee at Indianapolis 11 a.m. Washington at Dallas 11 a.m.

Arizona at Carolina 2:05 p.m.

Denver at Las Vegas 2:25 p.m.

New England at Green Bay 2:25 p.m.

Kansas City at Tampa Bay 6:20 p.m.

Monday Night 10/3

L.A. Rams at San Francisco 6:15 p.m

time po s i t i o n i n t h e N e w c a s t l e o f f i c e S t a r t i n g w a g e i s $ 1 5 + / h r A s a t e a m m e m b e r , y o u w i l l t a k e p a r t i n t h e d e l i v e r y o f e s s e n t i a l a n d c r i t i c a l programs as a Progra m T e c h n i c i a n b y p r o v i d i n g a d m i n i s t r a t i v e a n d t e c h n i c a l s u p p o r t Y o u w i l l r e c e i v e o n t h e j o b training intended to fur ther develop your talent, s k i l l s a n d a b i l i t i e s F S A o f f e r s a f r i e n d l y a n d p r o f e s s i o n a l w o r k i n g e n v i r o n m e n t w i t h a d i v e r s e w o r k f o r c e a n d f a m i l y f r i e n d l y b e n e f i t s Benefits will include the o p t i o n s o f h e a l t h i n s u r a n c e , a n d P T O I f y o u h a v e a n y q u e s t i o n s a b o u t t h e o n l i n e p r o c e s s , t h e p o s i t i o n o r anything, please call Ju l i e W i l l i a m s a t ( 3 0 7 ) 261 5142 Julie can fur t h e r e x p l a i n t h e T e m p o r a r y t o c o n v e r t t o P e r m a n e n t n a t u r e o f t h i s p o s i t i o n R e a d more about County Pro g r a m T e c h n i c i a n a t w w w u s a j o b s g o v / G e t Job/ViewDetails/677396 9 0 0 T h e o n l i n e a p p l i c a t i o n p r o c e s s w i l l c l o s e F r i d a y , S e p t e m b e r 3 0 , 2 0 2 2 a t m i d n i g h t E T U S D A i s a n e q u a l o p p o r t u n i t y p r o v i d e r , e m p l o y e r a n d l e n d e r

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S D A i s a n e q u a l o p p o r t u n i t y p r o v i d e r , e m p l o y e r a n d l e n d e r

T E R R Y P E A K i s a c t i v e l y h i r i n g t h e L i f t O p e r a t o r S u p e r v i s o r T h i s p o s i t i o n w i l l b e g i n i m m e d i a t e l y a n d g o e s t h r o u g h t h e w i n t e r s k i s e a s o n . T h e c a n d i d a t e w i l l n e e d t o p r o p e r l y t r a i n a n d e f f i c i e n t l y c o m m u n i c a t e h o w t o m a i n t a i n s a f e t y a t t h e r a m p s a n d m a z e s a n d ticket checking, all while exhibiting a high level of customer service Com p e n s a t i o n d e p e n d s o n e x p e r i e n c e , a n d e m ployee season pass be n e f i t s a r e a v a i l a b l e T o j o i n o u r t e a m a n d c o m p l e t e y o u r a p p l i c a t i o n , g o t o : h t t p s : / / t e r r y p e a k c o m / j o i n t h e t e a m / e m p l o y m e n t a p p l i c a t i o n /

MILEPOSTS ON THE MICKELSON TRAIL

t r a i n a n d e f f i c i e n t l y c o m m u n i c a t e h o w t o m a i n t a i n s a f e t y a t t h e r a m p s a n d m a z e s a n d ticket checking, all while exhibiting a high level of customer service Com p e n s a t i o n d e p e n d s o n e x p e r i e n c e , a n d e m ployee season pass be n e f i t s a r e a v a i l a b l e T o j o i n o u r t e a m a n d c o m p l e t e y o u r a p p l i c a t i o n , g o t o : h t t p s : / / t e r r y p e a k c o m / j o i n t h e t e a m / e m p l o y m e n t a p p l i c a t i o n / T E R R Y P E A K I S a c t i v e l y h i r i n g o u r s n o w making crew This posi t i o n w i l l b e g i n i m m e d i a t e l y a n d g o e s t h r o u g h t h e w i n t e r s k i s e a s o n The candidate will need t o w o r k i n i n c l e m e n t w e a t h e r c o n d i t i o n s a n d terrain, be able to lift up to 75 pounds, and must h a v e a v a l i d d r i v e r ’ s l i c e n s e . B e w i l l i n g t o l e a r n t h e s n o w m a k i n g p r o c e s s a n d c o m m u n i c a t e w i t h o t h e r s C o m p e n s a t i o n d e p e n d s o n e x p e r i e n c e , a n d e m p l o y e e s e a s o n p a s s b e n e f i t s a r e a v a i l a b l e T o j o i n o u r t e a m a n d c o m p l e t e y o u r a p p l i c a t i o n , g o t o t e r r y p e a k c o m / j o i n t h e t e a m / e m p l o y m e n t a p p l i c a t i o n /

SD State Railroad Museum Director Rick Mills presents on

of this famous trail.

Brunch at 10 a.m. is $5 or free with membership. Presentation at 10:30 a.m. is free to all. Reservations required for the brunch or to merely attend the presentation; call 605-723-1200

415 Fifth Ave in Belle Fourche

Mr. Mills appears courtesy of the SD Humanities Council

OTIS

Happy is the home that shelters a friendADOPT

Sponsored by:

Otis is a very sweet guy. He likes pets and gets along well with other cats. He is very well mannered He is curious and enjoys sitting in the outside catio.

Shelter Tip of the Week:

No time like the present to get your pet spayed or neutered. Can’t afford it? Call Sarah 578-3918 for financial help. Please spread the word. We have a lot of pet food in our pantry, stop by if you have a pet in need.

71 Charles Street Deadwood, SD 57732 578-2364 • 720-2608

Twin City Animal Shelter: 584-2480 & the Black Hills Pioneer: 642-2761

N I C E , C L E A N 1 B E D

R O O M , 1 b a t h w a l k o u t b a s e m e n t a p a r t m e n t w i t h s e p a r a t e e n t r a n c e a n d p a r k i n g B E L L E

F O U R C H E P r i v a t e , q u i e t , l o t s o f s t o r a g e Partially furnished NON S M O K E R / N O P E T S $700 High speed Inter n e t i n c l u d e d . $ 7 0 0 d e p o s i t , a n d f i r s t m o n t h s r e n t t o m o v e i n O n e p e r s o n R e f e r r a l s r e q u i r e d 4 0 6 8 5 3 1 8 1 6

B E L L A V I S T A V I L L A G E : 2 B e d r o o m A p t s I n B e l l e F o u r c h e * * R E N T B A S E D O N I N C O M E * * P l e a s e c a l l 6 0

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c e n s e . B e w i l l i n g t o l e a r n t h e s n o w m a k i n g p r o c e s s a n d c o m m u n i c a t e w i t h o t h e r s C o m p e n s a t i o n d e p e n d s o n e x p e r i e n c e , a n d e m p l o y e e s e a s o n p a s s b e n e f i t s a r e a v a i l a b l e . T o j o i n o u r t e a m a n d c o m p l e t e y o u r a p p l i c a t i o n , g o t o t e r r y p e a k c o m / j o i n t h e

c a l l B e t h a t 6 0 5 . 3 4 7 . 3 3 8 4 . * E q u a l H o u s i n g O p p o r t u n i t y *

S P E A R F I S H : 2 B E D R O O M S A V A I L A B L E a t C a n y o n E s t a t e s N i c e l y l a n d s c a p e d , o f f s t r e e t p a r k i n g , l a u n d r y f a c i l i t i e s A l l u n i t s a r e n e w l y r e m o d e l e d R e n t a l a s s i s t a n c e a v a i l a b l e f o r L o w e r I n c o m e R e s i d ents Call 605 642 7400 f o r m o r e i n f o r m a t i o n E q u a l H o u s i n g O p p o r t u n i t y

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N o o n E v e r y t h i n g m u s t g o ! F u r n i t u r e , h u t c h e s , w a s h e r s / d r y e r s , d i s h e s, f r e e z e r s , m o w e r s , s t o r a g e c u p b o a r d s , f l a t g r i l l s , a n d s o m u c h m o r e ! A l s o c o m m e r c i a l i t e m s : d i s h w a s h e r , s t e a m t a b l e , o v e n s , r e f r i g e r a t e d t a b l e , p a n s , etc This sale is at 2 loc a t i o n s i n S p e a r f i s h s o b e s u r e t o v i s i t b o t h ! 2 6 2 5 E m e r a l d C o u r t ( e x i t 8 t h e n w e s t o f f D i a m o n d D r i v e ) , a n d a t N o r t h v i e w S t o r a g e o n H w y 1 4 ( e x i t 8 t h e n e a s t )

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i g h t h e r e i n S p e a r f i s h 2 4 ” x 3 6 ” s t a r t i n g a t $ 1 5 0 e a c h S a m e d a y s e r v i c e i f o r d e r i s p l a c e d b y 1 0 a m C a l l 6 0 5 6 4 2 2 7 6 1 o r s t o p b y t h e B l a c k H i l l s P i o n e e r p r i n t i n g p l a n t 3 1 5 Seaton Circle, Spear fish, or e mail us: big p r i n t s @ b h p i o n e e r c o m

P A R T T I M E H O M E M A K E R / A i d e p o s i t i o n a v a i l a b l e C o u l d w o r k i n t o f u l l t i m e E x c e l l e n t o p p o r t u n i t y t o w o r k i n d e p e n d e n t l y a n d m a k e y o u r s c h e d u l e w o r k f o r y o u M u s t b e 1 8 y r s o r o l d e r , h a v e a v a l i d d r i v e r s l i c e n s e , r e l i a b l e t r a n s p o r t a t i o n a n d l i k e working with all types of p e o p l e i n t h e i r h o m e e n v i r o n m e n t C a l l 8 0 0 9 8 9 3 7 3 8 f o r m o r e i n f o r m a t i o n

K I L L I A N ' S F O O D & D R I N K H I R I N G ! L o o k i n g f o r a n e x p e r i e n c e d i n d i v i d u a l t o t a k e o v e r t h e k i t c h e n m a n a g e m e n t d u t i e s a t a w e l l e s t a b l i s h e d r e s t a u r a n t i n S p e a r f i s h , S D H e l p a n d s u p p o r t w i l l b e p r o v i d e d b y o w n e r / chef/founder, as well as a n e x t e n s i v e f l o o r a n d b a r m a n a g e m e n t t e a m T h i s i s t r u l y a c h e f ’ s choice job because cre a t i v i t y a n d f u n f o r w a r d t h i n k i n g i s w e l c o m e d a n d e n c o u r a g e d A p p l y on Indeed, Facebook, in p e r s o n , o r c a l l N i c k a t ( 6 0 5 ) 6 4 5 7 8 6 9

M U S T A N G S A L L Y ' S I S n o w h i r i n g f o r k i t c h e n staff and servers Apply i n p e r s o n a t 6 3 4 M a i n St , Deadwood or apply o n l i n e a t w w w m u s t a n g s a l l y s b i z

T E R R Y P E A K I S a c t i v e l y h i r i n g o u r s n o w making crew This posi t i o n w i l l b e g i n i m m e d i a t e l y a n d g o e s t h r o u g h t h e w i n t e r s k i s e a s o n The candidate will need t o w o r k i n i n c l e m e n t w e a t h e r c o n d i t i o n s a n d terrain, be able to lift up to 75 pounds, and must h a v e a v a l i d d r i v e r ’ s l i c e n s e B e w i l l i n g t o l e a r n t h e s n o w m a k i n g p r o c e s s a n d c o m m u n i c a t e w i t h o t h e r s C o m p e n s a t i o n d e p e n d s o n e x p e r i e n c e , a n d e m p l o y e e s e a s o n p a s s b e n e f i t s a r e a v a i l a b l e T o j o i n o u r t e a m a n d c o m p l e t e y o u r a p p l i c a t i o n , g o t o t e r r y p e a k c o m / j o i n t h e t e a m / e m p l o y m e n t a p p l i c a t i o n /

S P E A R F I S H : C O N STRUCTION LABORER. F u l l t i m e F r a m i n g t o f i n i s h w o r k W a g e D O E s t a r t i n g a t $ 1 5 / h r C a l l B a r n e t t C u s t o m B u i l d i n g 6 0 5 6 4 5 0 7 3 0

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C R O O K C O U N T Y F A R M S e r v i c e A g e n c y ( F S A ) i s l o o k i n g f o r a t e a m m e m b e r T h i s i s a permanent, full time po s i t i o n i n t h e S u n d a n c e o f f i c e S t a r t i n g w a g e i s $ 1 5 + / h r A s a t e a m m e m b e r , y o u w i l l t a k e p a r t i n t h e d e l i v e r y o f e s s e n t i a l a n d c r i t i c a l programs as a Program T e c h n i c i a n b y p r o v i d i n g a d m i n i s t r a t i v e a n d t e c h n i c a l s u p p o r t Y o u w i l l r e c e i v e o n t h e j o b training intended to fur ther develop your talent, s k i l l s a n d a b i l i t i e s F S A o f f e r s a f r i e n d l y a n d p r o f e s s i o n a l w o r k i n g e n v i r o n m e n t w i t h a d i v e r s e w o r k f o r c e a n d f a m i l y f r i e n d l y b e n e f i t s Benefits will include th e o p t i o n s o f l i f e i n s u r a n c e , h e a l t h i n s u r a n c e , a 4 0 1 K p l a n , a n d P T O I f y o u h a v e a n y q u e s t i o n s a b o u t t h e o n l i n e process, the position or anything, please call Ju l i e W i l l i a m s a t ( 3 0 7 ) 2 6 1 5 1 4 2 R e a d m o r e a b o u t C o u n t y P r o g r a m Technician at www usa j o b s g o v / G e t J o b / V i e w D e t a i l s / 6 7 7 3 9 8 4 0 0 T h e o n l i n e a p p l i c a t i o n p r o c e s s w i l l c l o s e F r i d a y , S e p t e m b e r 3 0 , 2 0 2 2 a t m i d n i g h t E T U S D A i s a n e q u a l o p p o r t u n i t y p r o v i d e r , e m p l o y e r a n d l e n d e r

B U T T E C O U N T Y EQUALIZATION & Plan n i n g O f f i c e h a s a n i m m e d i a t e o p e n i n g f o r a P l a n n e r P a r t t i m e 2 9 h o u r s p e r w e e k M F , hours flexible Deadline: O p e n e d u n t i l f i l l e d . F o r a full description please g o t o w w w b u t t e s d org/employment or stop by the Butte County Ad m i n i s t r a t i v e B u i l d i n g located at 117 5th Ave , B e l l e F o u r c h e , S D 5 7 7 1 7 B u t t e C o u n t y i s an equal opportunity af firmative action employ er

B L A C K S T O N E L O D G E I N L e a d N O W H I R I N G :

F r o n t D e s k , L a u n d r y , H o u s e k e e p e r s F u l l & P a r t t i m e p o s i t i o n s open Great work envir o n m e n t w i t h c o m p e t i t i v e w a g e s ! S t o p i n f o r a n a p p l i c a t i o n a t 3 9 5 G l e n d a l e D r , L e a d O r c a l l 6 0 5 5 8 4 2 0 0 0

a n d m a z e s a n d ticket checking, all while exhibiting a high level of customer service Com p e n s a t i o n d e p e n d s o n e x p e r i e n c e , a n d e m ployee season pass be n e f i t s a r e a v a i l a b l e T o j o i n o u r t e a m a n d c o m p l e t e y o u r a p p l i c a t i o n , g o t o : h t t p s : / / t e r r y p e a k c o m / j o i n t h e t e a m / e m p l o y m e n t a p p l i c a t i o n / W E S T O N C O U N T Y F A R M S e r v i c e A g e n c y ( F S A ) i s l o o k i n g f o r a t e a m m e m b e r T h i s i s a t e m p o r a r y p o s i t i o n t h a t m a y b e c o n v e r t e d t o permanent, full time po s i t i o n i n t h e N e w c a s t l e o f f i c e S t a r t i n g w a g e i s $ 1 5 + / h r A s a t e a m m e m b e r , y o u w i l l t a k e p a r t i n t h e d e l i v e r y o f e s s e n t i a l a n d c r i t i c a l programs as a Program T e c h n i c i a n b y p r o v i d i n g a d m i n i s t r a t i v e a n d t e c h n i c a l s u p p o r t Y o u w i l l r e c e i v e o n t h e j o b training intended to fur ther develop your talent, s k i l l s a n d a b i l i t i e s F S A o f f e r s a f r i e n d l y a n d p r o f e s s i o n a l w o r k i n g e n v i r o n m e n t w i t h a d i v e r s e w o r k f o r c e a n d f a m i l y f r i e n d l y b e n e f i t s Benefits will include the o p t i o n s o f h e a l t h i n s u r a n c e

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New interior walls, windows, subfloor and flooring. Perfect project to finish or build your dream house. Fully fenced and ready for your horses or other animals. Partially built chicken coop with materials to finish. 30 amp-RV hookup on the property. Easy access off of Hwy. 79 and a quick commute to Sturgis. Great hobby farm location. Property currently has a few horses boarded that pay monthly. Owners of horses supply feed. House is not on certified permanent foundation. Hauled Water. NO septic system in place, new buyer responsibility.

13137 193rd St., Vale,

Jessica Graf Broker Associate Sturgis Real Estate & Auctions, Inc. 990 Main St., Sturgis, SD 605-490-8028 www.sturgissd.com

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MANOR Efficiency an d 1 b e d r o o m a p a r t m e n t s f o r r e n t / i n c o m e b a s e d h o u s i n g / r e n t r a n g e f r o m $ 2 5 $ 6 5 8 F o r i n f o r m a t i o n a n d a p p l i c a t i o n c a l l B e t h a t 6 0 5 3 4 7 3 3 8 4 * E q u a l H o u s i n g O p p o r t u n i t y *

S P E A R F I S H : 2 B E D

R O O M S A V A I L A B L E a t C a n y o n E s t a t e s N i c e l y l a n d s c a p e d , o f f s t r e e t p a r k i n g , l a u n d r y f a c i l i t i e s A l l u n i t s a r e n e w l y r e m o d e l e d R e n t a l a s s i s t a n c e a v a i l a b l e f o r L o w e r I n c o m e R e s i d ents Call 605 642 7400 f o r m o r e i n f o r m a t i o n E q u a l H o u s i n g O p p o r t u n i t y

S T U R G I S F O R R E N T :

H i l l s v i e w H i g h r i s e 1 & 2 b e d r o o m a p a r t m e n t s f o r r e n t I n c o m e b a s e d h o u s i n g R e n t r a n g e f r o m $ 2 5 4 7 5 F o r i n f o r m a t i o n a n d a p p l i c a t i o n c a l l B r e n d a a t 6 0 5 3 4 7 3 3 8 4 * E q u a l H o u s i n g O p p o r t u n i t y *

n g m u s t g o ! F u r n i t u r e , h u t c h e s , w a s h e r s / d r y e r s , d i s h e s, f r e e z e r s , m o w e r s , s t o r a g e c u p b o a r d s , f l a t g r i l l s , a n d s o m u c h m o r e ! A l s o c o m m e r c i a l i t e m s : d i s h w a s h e r , s t e a m t a b l e o v e n s r e

m o r e ! A l s o c o m m e r c i a l i t e m s : d i s h w a s h e r , s t e a m t a b l e , o v e n s , r e f r i g e r a t e d t a b l e , p a n s , etc This sale is at 2 loc a t i o n s i n S p e a r f i s h s o b e s u r e t o v i s i t b o t h ! 2 6 2 5 E m e r a l d C o u r t ( e x i t 8 t h e n w e s t o f f D i a m o n d D r i v e ) , a n d a t N o r t h v i e w S t o r a g e o n H w y 1 4 ( e x i t 8 t h e n e a s t )

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P A R T T I M E H O M E M A K E R / A i d e p o s i t i o n a v a i l a b l e C o u l d w o r k i n t o f u l l t i m e E x c e l l e n t o p p o r t u n i t y t o w o r k i n d e p e n d e n t l y a n d m a k e y o u r s c h e d u l e w o r k f o r y o u M u s t b e 1 8 y r s o r o l d e r , h a v e a v a l i d d r i v e r s l i c e n s e , r e l i a b l e t r a n s p o r t a t i o n a n d l i k e working with all types of p e o p l e i n t h e i r h o m e e n v i r o n m e n t C a l l 8 0 0 9 8 9 3 7 3 8 f o r m o r e i n f o r m a t i o n

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K I L L I A N ' S F O O D & D R I N K H I R I N G ! L o o k i n g f o r a n e x p e r i e n c e d i n d i v i d u a l t o t a k e o v e r t h e k i t c h e n m a n a g e m e n t d u t i e s a t a w e l l e s t a b l i s h e d r e s t a u r a n t i n S p e a r f i s h , S D H e l p a n d s u p p o r t w i l l b e p r o v i d e d b y o w n e r / chef/founder, as well as a n e x t e n s i v e f l o o r a n d b a r m a n a g e m e n t t e a m T h i s i s t r u l y a c h e f ’ s choice job because cre a t i v i t y a n d f u n f o r w a r d t h i n k i n g i s w e l c o m e d a n d e n c o u r a g e d A p p l y on Indeed, Facebook, in p e r s o n , o r c a l l N i c k a t ( 6 0 5 ) 6 4 5 7 8 6 9 B L A C K S T O N E L O D G E I N L e a d N O W H I R I N G : F r o n t D e s k , L a u n d r y , H o u s e k e e p e r s . F u l l & P a r t t i m e p o s i t i o n s open Great work envir o n m e n t w i t h c o m p e t i t i v e w a g e s ! S t o p i n f o r a n a p p l i c a t i o n a t 3 9 5 G l e n d a l e D r , L e a d O r c a l l 6 0 5 5 8 4 2 0 0 0

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i s $ 1 5 + / h r . A s a t e a m m e m b e r , y o u w i l l t a k e p a r t i n t h e d e l i v e r y o f e s s e n t i a l a n d c r i t i c a l programs as a Program T e c h n i c i a n b y p r o v i d i n g a d m i n i s t r a t i v e a n d t e c h n i c a l s u p p o r t Y o u w i l l r e c e i v e o n t h e j o b training intended to fur ther develop your talent, s k i l l s a n d a b i l i t i e s F S A o f f e r s a f r i e n d l y a n d p r o f e s s i o n a l w o r k i n g e n v i r o n m e n t w i t h a d i v e r s e w o r k f o r c e a n d f a m i l y f r i e n d l y b e n e f i t s Benefits will include th e o p t i o n s o f l i f e i n s u r a n c e , h e a l t h i n s u r a n c e , a 4 0 1 K p l a n , a n d P T O I f y o u h a v e a n y q u e s t i o n s a b o u t t h e o n l i n e process, the position or anything, please call Ju l i e W i l l i a m s a t ( 3 0 7 ) 2 6 1 5 1 4 2 R e a d m o r e a b o u t C o u n t y P r o g r a m Technician at www usa j o b s g o v / G e t J o b / V i e w D e t a i l s / 6 7 7 3 9 8 4 0 0 T h e o n l i n e a p p l i c a t i o n p r o c e s s w i l l c l o s e F r i d a y , S e p t e m b e r 3 0 , 2 0 2 2 a t m i d n i g h t E T U S D A i s a n e q u a l o p p o r t u n i t y p r o v i d e r , e m p l o y e r a n d l e n d e r

W E S T O N C O U N T Y F A R M S e r v i c e A g e n c y ( F S A ) i s l o o k i n g f o r a t e a m m e m b e r T h i s i s a t e m p o r a r y p o s i t i o n t h a t m a y b e c o n v e r t e d t o permanent, full time po s i t i o n i n t h e N e w c a s t l e o f f i c e S t a r t i n g w a g e i s $ 1 5 + / h r A s a t e a m m e m b e r , y o u w i l l t a k e p a r t i n t h e d e l i v e r y o f e s s e n t i a l a n d c r i t i c a l programs as a Program T e c h n i c i a n b y p r o v i d i n g a d m i n i s t r a t i v e a n d t e c h n i c a l s u p p o r t Y o u w i l l r e c e i v e o n t h e j o b training intended to fur ther develop your talent, s k i l l s a n d a b i l i t i e s F S A o f f e r s a f r i e n d l y a n d p r o f e s s i o n a l w o r k i n g e n v i r o n m e n t w i t h a d i v e r s e w o r k f o r c e a n d f a m i l y f r i e n d l y b e n e f i t s Benefits will include th e o p t i o n s o f h e a l t h i n s u r a n c e , a n d P T O I f y o u h a v e a n y q u e s t i o n s a b o u t t h e o n l i n e p r o c e s s , t h e p o s i t i o n o r anything, please call Ju l i e W i l l i a m s a t ( 3 0 7 ) 261 5142 Julie can fur t h e r e x p l a i n t h e T e m p o r a r y t o c o n v e r t t o P e r m a n e n t n a t u r e o f t h i s p o s i t i o n R e a d more about County Pro g r a m T e c h n i c i a n a t w w w u s a j o b s g o v / G e t Job/ViewDetails/677396 9 0 0 T h e o n l i n e a p p l i c a t i o n p r o c e s s w i l l c l o s e F r i d a y , S e p t e m b e r 3 0 , 2 0 2 2 a t m i d n i g h t E T . U S D A i s a n e q u a l o p p o r t u n i t y p r o v i d e r , e m p l o y e r a n d l e n d e r Visit bhpioneer com today!

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Getting documents in order

Building an estate plan requires a clearly marked paper trail so that your wishes can be followed.

Organizing everything beforehand ensures that these end-of-life allocations are doled out in a timely and fair manner. Here’s what you’ll need.

LAST WILL AND TESTAMENT

Wills are the most well-known of these documents, providing an official road map for where your belongings will go. Beyond describing who will receive your assets, the last will and testament also designates a manager to settle your estate and a legal guardian for any minor children. Otherwise, a court will make these appointments.

POWER OF ATTORNEY

Unfortunately, our deaths are sometimes preceded by lengthy illnesses. A durable power of attorney ensures that your estate is cared for, even if you are incapacitated late in life. Your designee will make sure bills are paid, manage investments and attend to other daily responsibilities so that these things don’t become an issue in death. You can set up an immediate power of attorney, if you are have pending surgery or are facing worsening health issues. A so-called “springing” power of attorney doesn’t become active until you

are unable to handle your own affairs — but it isn’t available in all states.

LETTER OF INSTRUCTION

This is not legally required, or in any way binding, but it might be a good idea. A letter of instruction provides larger context for your wishes, while also directing the executor and your remaining family to important paperwork and other belongings. For instance, you might outline where your safe-deposit box is located, along with the key and a list of all contents. Some choose to discuss preferences for funeral and burial, and the names of anyone else who should be notified. Feel free to prepare this letter yourself, while an attorney should handle other necessary estate-planning documents.

WHY IT’S IMPORTANT

Legal documents provide a platform for your decisions to be heard. You won’t be around to protect your belongings, or justify your personal choices. This paperwork becomes your voice, while easing the responsibilities — and perhaps even the pain — for those left behind. Complex determinations about distribution of possessions and final issues with your finances will be fixed and approved, allowing everyone else to move on with grieving.

Can a will be contested? Working after 65

Your last will is designed to express your wishes after leaving your family be hind.

Given its importance and long-lasting impact, experts recommend that you con sider every detail, including how your be longings are distributed, who controls your finances and which family members are included in your final plans.

When creating the document, it’s es sential to ensure it’s ironclad. There are specific circumstances that may result in someone contesting its validity.

Fortunately, your desires can’t be con tested simply because someone is unsatis fied with its terms. However, most states recognize a few legal reasons that can land your last wishes in a courtroom. If a contest is successful, not only is the ques tionable provision corrected, but the entire estate is also managed as if the document never existed.

Since state laws can vary, it’s impera tive to work with a law expert to ensure your desires are honored. Here are a few reasons the document may be considered void.

THE WILL IS SIGNED INCORRECTLY

One of the most significant reasons a will is refused is due to improper sig natures after its creation. This can be a common occurrence, especially if there is tension within the family. First, the testa tor, or person leaving the document, must sign the form with a certain number of wit nesses present. In most cases, both parties must be in the same room and perform the signing while everyone is watching.

THE TESTATOR LACKED CAPACITY

The term testamentary capacity refers to a testator understanding the nature and worth of their assets and who should right fully inherit the assets.

This clause typically comes into effect if a will creator faces dementia or another mind-inhibiting disease while the docu ment is being formed.

If the will is contested for this reason, many cases end with doctor testimony’s relating to the patient’s state of health.

THE TESTATOR WAS WRONGFULLY INFLUENCED

Another reason to create a will and tes tament while you’re healthy is that being unduly influenced while your mind isn’t sharp can cause significant issues for those you are leaving behind.

If it is deemed that a testator was wrong fully influenced to pass on their posses sions to undeserving parties, judgment may approve the contest.

While many of us hope that we’re laid back in a hammock on a sunny beach by the time we’re 65, the reality for many people is that they’re going to keep working far beyond full retirement age.

Here’s a look at the financial and practical considerations involved.

RECEIVING SOCIAL SECURITY

Social Security, the federal government’s retirement safety net, usually kicks in at 65. However, you can work and still receive benefits. If you’re full retirement age — 65 — your earnings do not reduce your Social Security benefit. The Social Security Administration offers a calculator so that you can see how any earnings may affect your potential benefit.

WORKING AND MEDICARE

Generally, Medicare says, if you have job-based health insurance for you or your spouse and you’re over 65, you don’t have to sign up for Medicare unless you lose that coverage, either through retirement by some other means. If your employer has fewer than 20 employees, you may have to sign up for Medicare when you turn 65 regardless so you won’t have gaps in your coverage. Check with your employer to see.

Medicare will work with your existing insurance if you are over 65. Which plan pays first — Medicare or your job-based insurance — depends on how many employees the company has. And remember, Medicare has different plans, or parts, depending on your needs. Medicare Part A is hospital insurance and covers inpatient hospital stays, care in a skilled nursing facility, hospice and some home health care.

Part B covers medical services like doctors, outpatient care and some preventive services. Medicare Part C, or Medicare Advantage is a plan that provides coverage through a private-sector health insurer. Part D is prescription drug coverage. You may not need to sign up for all the parts of Medicare.

AGE

DISCRIMINATION

As you age, you may be more concerned about being discriminated against because of your age. The federal Age Discrimination in Employment Act forbids age discrimination against people who are 40 or older. It prohibits discrimination in any aspect of employment, including hiring, firing, pay, job assignments, promotions, layoffs, training, benefits and any other term or condition of employment. It also covers harassing a person because of their age, such as making offensive or derogatory remarks about a person’s age. Teasing isn’t covered, but frequent comments that create a hostile or offensive work environment is.

Diane Chamberlain

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Managing medical costs

you dodge out-of-network and out-of-pocket costs.

You also need to weigh if you want access to all doctors who accept Medicare — as with an original Medicare plan — of if you’re willing to have a limited network and enjoy more benefits as part of a Medicare Advantage plan. It may be worth the fee to find a professional agent or financial planner who can help you parse all the Medicare parts and their benefits.

Once you hit 65, you run the real risk of managing your medical costs becoming, well, a full-time job.

Just the thing you wanted to avoid in your golden years. Juggling all the Medicare parts, along with any job-related insurance and the health problems older Americans tend to have can be daunting. Here are some tips for managing medical costs as you age, no matter where your insurance coverage comes from.

USE AN HSA

Health savings accounts help you put pretax money away to cover medical expenses later. You can invest the money or you can use them tax-free for eligible medical costs. HSAs cover expenses with a high-deductible plan, however, so talk with your financial adviser to consider if that kind of plan makes sense for you. If it does, you can save up to $3,600 as a single person or up to $7,200 if you have family coverage.

MAKE SENSE OF MEDICARE

Finding the right Medicare plan can help

MANAGE LONG-TERM CARE

Someone turning 65 today has about a 70% chance of needing long-term care, the federal government says, so it’s something you need to plan for.

Look at buying a traditional long-term care plan or consider a hybrid insurance product that can combine life insurance with a longterm care rider. You can also set aside money the old-fashioned way, just make sure you don’t touch it. And no matter what you do, let your family know what you’ve done. It’s uncomfortable, but thorough planning can save you in the long run.

BE AN ACTIVE PATIENT

Follow your doctor’s advice and ask plenty of questions to make sure you have a good understanding of what’s being done.

If your provider orders tests, ask them what they hope to learn from it and how it may affect treatment, Carolyn McClanahan, a physician turned CFP in Florida says.

“A lot of times, doctors order things rotely,” she told the Associated Press. “It’s part of their protocol and they don’t stop and think, ‘Is it really needed in this case?’”

Why buy life insurance?

Facing one’s mortality and the prospect of leaving family members behind is not always easy. Death, financial security and planning for the future are all difficult subjects, but planning ahead can make matters much easier in the long run. Life insurance holds an important place in overall financial planning. One of the most apparent benefits of life insurance is that it will provide a considerable sum of cash upon the insured’s death, which can be put toward the cost of funeral arrangements, housing and dependent care.

Beyond end-of-life bills and care, life insurance can offer other advantages, say the experts at Allstate Insurance Company. Life insurance can provide a family with a financial safety net. When a beneficiary is named, life insurance can serve as an inheritance for that person or people. Heirs may face estate taxes after a loved one dies, and life insurance benefits may help offset all or a portion of the costs.

There may be benefits to life insurance while a person is living as well. The life insurance information site Term Life 2 Go says that, depending on the policy, life insurance can be borrowed against to pay

off debt, buy a house or live off of dividends from the life insurance investment. This can provide a source of supplemental retirement income.

Gateway Financial advisors say that many life insurance plans are extremely flexible and can be modified as needs change. Death benefits may be decreased if desired, and premiums can be skipped, reduced or increased.

Business owners also can use life insurance policies to their advantage. Including life insurance with the list of other benefits offered to prospective employees can entice top-notch candidates. Sole proprietors may use life insurance as a business continuation plan so that insurance proceeds can keep the business in the black until it is sold or a replacement owner is found.

Shopping for life insurance requires careful research and an understanding of the products available. Consumers should have a thorough understanding of term and whole life policies, what premiums will cost, what the death benefit will pay, and if there are any living benefits. For example, living benefits may cover some costs for chronically or terminally ill people.

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Trusts

Developing a trust is another beneficial pre-planning tool to capitalize on when orga nizing your estate. Virtually, this type of trust guarantees your estate and belongings will be distributed under the terms you create when it is drafted.

Because life happens and your beneficiaries may change due to many factors, updating your documents after major milestones is crucial. If you’re unsure of the benefits when building a legal trust, check out some of the most critical reasons it is necessary.

WHAT IS A TRUST?

A trust is an agreement between a grantor, the person who assigns control of an asset, and a beneficiary who receives the benefits upon death. The policy is managed by a trustee who ensures the policy is handled per your requests when it comes into effect. Typically, there are two different types of trusts related to estate planning.

• Revocable trust: This legal document can be revoked, terminated or changed at any time by the grantor.

• Irrevocable trust: A grantor appoints ben eficiaries to property or assets while giving up the power to cancel or modify the terms.

AVOID PROBATE

According to the American Bar Association, probate is the court-supervised legal procedure that determines the validity of your will. The legal action is necessary when appointing an executor to administer an estate and distribute assets to noted beneficiaries. A way to avoid this sometimes-lengthy requirement is to cre ate a living trust within your final wishes.

While it may be an extra step during estate planning, completing this policy ensures your belongings are immediately handed to the per son you chose as a representative upon death. It forgoes the need for your personal docu ments to be approved by the court.

Planning for a disabled child

should benefits become restricted or end all together.

SPECIAL-NEEDS TRUST

Children are at particular risk if they are unable to live independently after the death of a parent of guardian. A specialneeds trust can ensure that they are provided with needed resources and care over the course of their lifetime. Parents or guardians should name the trust as a beneficiary in their will, according to the American Bar Association, instead of the child. Many public-aid options are designed to be resource dependent, meaning recipients aren’t eligible if they have access to a certain amount of money. These trusts allow for an inheritance without endangering aid provided by Medicaid, SSI or other government programs because assets held in trust are not directly available to the child. Funds from life-insurance policies, IRAs and retirement plans can also be directed to the trust, and the child still has access to other programs.

Estate pre-planning should be an important part of everyone’s financial regimen, but this process becomes even more important when you have a child with disabilities. A lot of factors go into creating a uniquely designed plan, depending on their unique personal challenges and whether they are a minor or adult. The goal is to help your special-needs child continue to lead an enriching, happy life even in your absence.

LIFETIME OF CARE

The larger goal of special-needs planning is to preserve public aid

while also supplementing your child’s care. There are additional benefits to taking care of this right away: If plans are put in place while you’re still alive, the estate avoids probate. Others interested parties, like their grandparents, can contribute to a trust. Named co-trustees can also get handson experience in helping with childcare and administering the guardianship. Depending on the child’s capability, this money-management program may be critically important since it will be the only future path to protecting eligibility for benefits. It will provide additional funds for a broader scope of care, and create a financial resource

DESIGNATING A CARETAKER

Beyond the obvious financial considerations, parents and guardians must select a designated caretaker to look after their special-needs child — or to manage their care, if the child is in an assisted-living environment. Work with an attorney who specializes in estate planning in order to create both a trust and this succession plan, since states have differing regulations and laws regarding who may serve as a legal guardian.

Placing an obituary in the newspaper may seem overwhelming, but it tells the community how to pay their respects and can notify distant family and friends that your loved one has passed. An obituary memorializes a life in a lasting tribute, a permanent record of their legacy, available for history and genealogy purposes for generations to come.

Obituaries are provided as a paid service. View and place obituaries at www.bhpioneer.com/obituaries or contact us at obits@bhpioneer.com

Selecting the best retirement community for your needs

Retirement communities have come a long way since the days of a quiet home on the golf course or beach. Today’s seniors are more active than ever and want to continue to enjoy their passions years into their retirement.

Modern retirement communities have become lifestyle communities, not solely about golf and tennis. Celebrities such as Jimmy Buffett — himself a senior citizen — have created “branded” retirement communities that celebrate the fabled “Margaritaville” lifestyle.

Other factors may include whether you need living assistance or ready medical care. Of course there’s nothing wrong with finding a quiet place to live around people your own age — that’s really what all of us look for in a community, and it’s no different for seniors.

If you’re considering a move to a retirement community — or in search of that lost shaker of salt — here are a few things to consider.

COMMUNITY ACTIVITIES & PARKING

Many seniors enjoy golf, tennis, swimming and walking. Any prospective retirement community should have easy access to such activities.

Other seniors enjoy arts and crafts, board games, dancing and organized activities. Taking part in social events can provide opportunities to make new friends. Research what kinds of social events are organized within the retirement community.

Also, find out if the community has ample opportunities for residents to travel to theaters, museums or shopping malls together.

Parking is another important factor when choosing a retirement community. Most people enjoy having family and friends visit, so parking is a necessity. When parking is tight, visitors will be less likely to come. Do not overlook its importance.

MEDICAL CARE FACILITIES

Retirement communities should be easily accessible to emergency personnel.

Know the location of the closest

PREPARING

hospitals, doctors, ambulance services and other personnel. You may wish to restrict your search to communities located near your preferred physician or other service providers.

Any prospective community should have a formal emergency plan in place. In addition, check to see if the retirement unit has custom safety features, such as railings in the bathrooms and entranceways.

PET POLICIES

Pet policies are another feature to consider when investigating potential retirement communities. Some facilities will allow you to bring your pet to live with you while others will not. So if you have a pet you don’t want to leave

behind, you may be able to bring it with you. Many communities now recognize the health benefits of having pets.

Additionally, a park or nearby dog walking area will benefit you and your animal companion, particularly if your pet requires daily exercise. Taking a walk each day will benefit both of you.

CHURCHES, LIBRARIES & SCHOOLS

Consider how close the community is to schools, sports facilities, and other sites that produce a large amount of traffic volumes and noise levels. Many people prefer to live in less congested, quiet areas during their later years.

Also, think about where the nearest libraries and churches are located, as

well as public transportation.

Ask whether the community provides its own transportation for residents. Some facilities have their own fleet of minivans and buses. It is extremely helpful for seniors who no longer drive and need to do some routine personal shopping.

COMMUNITY

Current residents will give you a feel for their level of satisfaction with the community. Talk to them about their experiences and seek candid reviews of the amenities and staff.

After all, it is important you feel confident that you have selected a retirement community that fits your personal needs and lifestyles.

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Belle

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Sturgis

Melissa Hampton,

Postal Customer

Reverse Mortgage Basics

Reverse mortgages are all over television these days as providers push products on to cash-strapped seniors.

They could be a great way to pay off debt, supplement income or pay for medical expenses. But reverse mortgages are complicated tools and may not fit every situation. Keep reading to learn more about how they can work for you.

WHAT IS A REVERSE MORTGAGE?

When you have a regular mortgage, such as when you bought your home, you pay a lender every month to buy your home over time. In a reverse mortgage, the lender pays you. They take part of the equity in your home and convert it to payments to you, usually tax-free.

When you die, sell the home or move out, you or your estate would repay that loan, sometimes by selling the home.

There are three kinds of reverse mortgages — single-purpose reverse mortgages, private loans and federally insurance reverse mortgages, which may also be called home equity conversion mortgages.

THINGS TO CONSIDER

Just like any other real estate transaction, there are fees and other costs. There’s usually an origination fee and closing costs, and there may also be servicing fees and mortgage insurance premiums to pay. Most reverse mortgages also have variable rates, which mean you may owe more

depending on what the interest rate is on a given day. That interest isn’t tax deductible like on a traditional mortgage, either, and because that interest adds up, it means the loan grows the longer you have the reverse mortgage. You will also still have to pay costs related to your home, including taxes and maintenance.

WHAT CAN YOU LEAVE YOUR ESTATE?

Reverse mortgages use up the equity in your home. Most of them have a nonrecourse clause that means that you or your estate, in the event that you die, can’t owe more than the value of your home when the loan becomes due and the home is sold.

So if you and your heirs want to keep the home rather than sell it, you wouldn’t have to pay more than the appraised value of the home, according to the Federal Trade Commission. It would be possible for your children or other heirs to purchase the home for themselves provided the loan is paid.

Talking to your family

Don’t be surprised if your family is caught off guard and has questions about your health. Especially if this will be the first time you have addressed your legacy, it’s understandable they may get the wrong idea. You can avert suspicions by explaining you are concerned about having a plan in place to lessen their responsibilities at the time of your death.

Try to hold the conversation in a comforting place that offers privacy.

SCHEDULING

It’s imperative to coordinate a meeting that blends with your loved one’s hectic schedules. To limit the number of times you discuss a plan, it will make sense to wait until everyone involved is available, if they are comfortable with a group conversation.

Your initial meeting should relay wishes regarding how assets should be handled and considerations for key members like power of attorney or living trusts.

It’s never easy to discuss the topic of death with loved ones, but it’s necessary to have a plan in place. Commit to having a conversation with your family so that they understand your final wishes. Here are some ways to prepare for the necessary dialogue and how to handle the situation gracefully.

TIMING COUNTS

Family tragedies or emergencies can heighten your interest in developing an estate plan and relaying your wishes to loved ones. But it’s best to put off a discussion until everyone has had some time to process the loss.

If needed, hold a second discussion where your family can talk about concerns after they’ve processed the initial conversation.

DEFINE YOUR LEGACY

Planning your estate while you are in good physical and emotional health gives you the opportunity to determine how to honor the legacy left behind.

Take advantage of removing the stress of difficult decisions from your family’s shoulders by instructing the exact details of how to handle your assets.