the ofn
ag-visors
Advice from
PRO-ENERGY FEEDS, INC.
Larry Morton 918-930-0374 or
Larry Sutton 918-261-7704
the professionals
An Investment
THE FEEDS WITH THE NATURAL ADVANTAGE
www.proenergyfeeds.com
By Jessica Allan
I
don’t know about everyone else, but I’m glad to see spring finally make an appearance. These nice days have me itching to get out in my garden, but I am patiently – OK impatiently – waiting until after our Jessica Allan is an final frost. Those of us who grew up in Southwest agricultural lender Missouri know that some things are certain: Taxes, death, and commercial and a freak cold snap in April or May. While we can’t relationship manager control any of these, we can help lessen the impact of one at Guaranty Bank in of them on our farms. Carthage and It may not be anyone’s favorite topic, but death is an Neosho, Mo. A unfortunate certainty of life. While we’re still in the land resident of Jasper of the living, there is something we can do to soften the County, she is also blow on our families, farms, and businesses, and that’s to involved in raising make an investment in life insurance. cattle on her family’s A good friend and personal financial advisor once told farm in Newton me life insurance is not an expense – it’s an investment. County and is an It’s peace of mind. It’s knowing your loved ones are cared active alum of the for when you’re gone and ensuring that life can go on for Crowder College your family and your businesses when you’re not there to Aggie Club. She may make things happen. It really stuck with me. be reached at Life insurance can be difficult to talk about, but it’s a topjallan@gbankmo.com. ic that I address fairly frequently with my customers. Many see life insurance as wasteful because they themselves will never see the benefit of it. Others say it’s too expensive or think the process to obtain a policy is too much of a hassle. But as an investment in the future, it can be pretty useful. So how much life insurance do you need? The answer is, of course, completely up to you. Some are comfortable with just enough to cover funeral expenses. Or they just want to be able to leave a little something extra for their kids. But what if you are the primary breadwinner of your household? Then it becomes a matter of what would be needed to replace your income and for how long you think your family will need that income stream. Are you the primary caregiver for young children? How much would it cost your partner to hire someone else to help care for those children? The answers will help you arrive at an appropriate policy. What if you’re a business owner with a debt load? Some banks, and even some loan programs, require a life insurance policy be assigned to the debt as a precaution in case the primary owner passes away suddenly, typically in the amount of the debt. Even if a lender does not require it, the question should be asked, do you want to leave that debt for your family and business to contend with after you’re gone? Obviously, these questions only scratch the surface. Continued discussion with family, business partners, lenders, and other advisors can help you determine what you truly need. After all, those of us who are helping you along your business journey want to help you ensure that your legacy is protected regardless of what life throws at you.
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Contact One of These Dealers Today! Bob Reed 417-259-3014 Mountain Grove, MO Scott Wilkerson • W4 Angus Farms 573-561-6225 Seymour, MO Zach Fletcher 870-416-9481 Lead Hill, AR
ETX-5 is available in our feeds now. Last year in Missouri many beef and dairy producers fed our feed with ETX-5. Reported results were almost no cows ever in the ponds and
NO PINKEYE. VERY EXCITING NEWS!
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FULL SERVICE SHOP APRIL 19, 2021
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