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Home Federal Does:

PERSONAL LOANS Whether you need money for a new car, an electric guitar or a trip to a country afar, we’re your lending superstars. With competitive rates, flexible loan options and an easy application process, Home Federal can help you get the most from your personal loan. We’re proud to provide the right product at the right rate for you, right here. Plus, with a Rewards or Rewards Plus Checking account, you may qualify for a discounted rate on your consumer or installment loan. We offer these convenient products:

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Greetings to my friends of La Voz Hispana. Like the PMEBEBHFTBZT i/FX:FBS /FX-JGFwIBTBSSJWFE full of positive things, challenges, but most important is to start it with much positive energy and hoping always for the best. Remember that depending on how our minds are set depends what we receive. Therefore, let’s think big and have a vision for a year full of joy, abundance, and blessings. I would advise you to set yourselves new goals, but to be realistic, for example, if you want to lose weight, don’t set a goal which you know you will not reach and you’ll end up abandoning. Establish short term goals that let you get to where you want and in the end, you will see how easy it was to arrive to that desired weight. If you wish to learn the English (or Spanish) language, join a class, and learn little by little the basics and new words every day, and after a short period of time you will see how this new language becomes a part of you. Set up goals and priorities and resolve on this new year for a year of success. Remember, he who has no goals, sinks and only lives to live, make of your life an interesting and positive one. May God bless you always and remember that the best is still to come.

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LC.$3/D%M2()-N/%="(<(-.% ;+'6@3/%M#))%O'+%M2#$0. The 10-year-old who committed suicide recently in a rural Illinois community came home from school the day before in tears. It wasn’t the first time. E+6-FM

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They say 40 is the new 30, so don’t be scared about hitting that milestone. Still, be aware of one truth that hasn’t changed.

“We should feel lucky for our diversity”




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!"23'4&'526%(40'-2780+(% Do you want a more affordable rate that is also adequate coverage? Do not insure your house along with the land it is standing on as this is more expensive but needless. A good number of folks pay much more than they should on home insurance due to this mistake. Insuring your home for the purchased price without deducting the value of the land it stands on is an expensive error.

For those who have ignorantly done this, meet with your agent and check your home insurance coverage again. Subtract the landâ&#x20AC;&#x2122;s value and use only the cost of your home and its contents.

It pays to purchase more than a policy from the same insurance company as this will attract massive savings. Insurance companies give discounts (multi-policy discounts) for insured who buy more one policy from them. Nevertheless, you might be better served by getting your policies from different insurance companies. Letâ&#x20AC;&#x2122;s say that you have a total of four insurance policies: Life, health, auto and home. Keeping this many policies with any insurer is sure to get you a remarkable discount.

 :PVEP/05SFBMMZIBWFUPJOTVSF your home against all kinds of peril. The probability of certain perils in your location is too low to make purchasing covFSBHFGPSUIFNOFDFTTBSZ:PVDBOBMNPTU This means you will spend a lot say with confidence that some perils are less on home insurance. Because insur- not possible in certain states going by ance is for valuables that can be lost or their history. damaged, insuring the land which can neither get lost nor damaged isnâ&#x20AC;&#x2122;t a smart Itâ&#x20AC;&#x2122;s truly a sound financial advice move. to purchase coverage for any loss that has a good possibility of occurring. However, there is no reason for you to actually purchase coverage for a peril that hasnâ&#x20AC;&#x2122;t oc-

curred in a state for five decades. Choosing the right perils will make you pay for only coverage you need. This will help you pay just the right amount you should. The more claims you make the higher the risk associated with insuring you. Making very many claims will result in your home being seen as a bigger risk UIBOJUSFBMMZJT:PVXJMMHFUBIJHIFSSBUF as a consequence of this higher risk impression. Do NOT file a claim if itâ&#x20AC;&#x2122;s an issue ZPVDBOIBOEMFXJUISFMBUJWFFBTF:PVMMCF keeping your home insurance rate more affordable that way. Considering that your main reason for purchasing homeowners insurance is to guarantee youâ&#x20AC;&#x2122;re properly protected from the risks of a home loss or damage, Iâ&#x20AC;&#x2122;ll add this although itâ&#x20AC;&#x2122;s not a benefit of a homeownerâ&#x20AC;&#x2122;s policy. Homes in flood-prone locations canâ&#x20AC;&#x2122;t be said to be properly protected without a flood insurance policy which costs up to $500 annually. Every mortgagor will insist that you get flood insurance if your home is in a flood-prone region. Making an adjustment in the locality you buy a home will make a huge difference on what you spend on insuring your house. Checking your plumbing is an important step against water damages. Of all home insurance claims, water damage is the most predominant. Consequently, showing any insurer that your home has little or no risk of water damage will get you a good discount. Tell your agent if youâ&#x20AC;&#x2122;ve improved your plumbing.




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Oakland, CA: A man from California has been sentenced to three years in prison by a federal court, after he was convicted for conspiracy, impersonation of a federal officer, and attempted extortion of a federal officer. Evidence showed that the 46-yearl-old man and his companions had sent extortion letters to six people. The letters were made out to be sent from the immigration authorities, and demanded a total of $50,000 to straighten out issues regarding the receivers’ immigration status. If they didn’t pay, they risked jail or deportation, according to the extortion letters. The people who received the letters contacted the U.S. Immigration and Customs Enforcement (ICE), which launched an investigation into the matter. Later the now-convicted man and his comrades contacted the would-be victims by phone, pretending to be immigration officers, still demanding the money. ICE arrested the 46-year-old as he attempted to pick up the money. When arrested, the man was wearing a clown suit and was riding on a children’s bicycle. In Baltimore, Ma, another man was sentenced to 30 months in prison for another immigration scam. The 40-year-old man was convicted for identification document fraud, as he provided fake birth certificates and social security numbers to illegal immigrants. The newly sentenced man was working for an engineering company that performed inspections of construction sites. When the man discovered illegal workers at the worksite, he would present himself as an inspector, and offer to provide the immigrants with genuine birth certificates and social security numbers. In reality the man forged the documents, charging at least nine people between $1,000 and $6,000 each.


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Childâ&#x20AC;&#x2122;s Suicide Prompts Call for Change Americans Need Fundamental Attitude Adjustment. Author Says. The 10-year-old who committed suicide recently in a rural Illinois community came home from school the day before in tears. It wasnâ&#x20AC;&#x2122;t the first time.

ases that are manifest in taunts, jeers and other acts of bullying. See what biases you may have by taking the Hidden Bias Tests developed by psychologists at Harvard, the University of Virginia and the University of Washington. Visit implicit.

Ashlynn Conner, a fifth-grader, had complained of bullying for two years. After the most recent episode, Ashlynn asked to be home-schooled and her mother promised to take her for a chat with the principal the following Monday. The next night, her older sister found her hanging by a scarf in her bedroom closet. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s yet another example of the horrific things happening in our society because people still judge other people for everything but how they behave,â&#x20AC;? says Shay Dawkins, author of The Good News: How Revealing Delusions in Christianity Will Bring Peace to All (, an analysis of the Bible that compares contemporary Christian values with scripture.

Hone your empathy skills. People who can empathize well are good at putting themselves in another personâ&#x20AC;&#x2122;s shoes. They may not agree with that personâ&#x20AC;&#x2122;s feelings, but they can understand them â&#x20AC;&#x201C; sometimes they can actually feel what another person feels. Empathy helps us relate to others and erodes biases by pushing us beyond baseless preconceived notions. Some of us have to work harder at being empathetic than others. To work on your skills, ask yourself how your children, co-workers or spouse would describe you.

â&#x20AC;&#x153;We start forming biases at a very young age,â&#x20AC;? he notes. â&#x20AC;&#x153;Unfortunately, some people use even the Bible to justify judging others for circumstances those people didnâ&#x20AC;&#x2122;t choose. These biases are often so ingrained, people arenâ&#x20AC;&#x2122;t aware they even have them. Change starts with each individual, Dawkins says. Become aware of your personal biases. We all have them. Children start picking them up from family members, TV and others in their environment about the time they start walking. Studies have shown that as early as age 3, some toddlers are using words associated with racial prejudice! As evidenced by Ashlynn Connerâ&#x20AC;&#x2122;s devastating experience, by elementary school children may have acquired a grown-up set of bi-


Be honest! Would your children say you yell a lot? Would your spouse say you spend more time complaining about what he or she doesnâ&#x20AC;&#x2122;t do than acknowledging what he does? Empathy also helps us meet that gold standard of rules: Do unto others as you would have them do unto you. If you have a negative attitude, change it. If you tend to make negative comments or respond negatively when talking about or to certain groups of people, practice turning them into positives, even if it means following your negative XJUI B QPTJUJWF :PVS GSJFOET should be only mildly confused at first.) Believe it or not, heart and mind often follow our spoken word and itâ&#x20AC;&#x2122;s a good way to """#$%&'())*#&)+,-%.)/01&

start changing your attitude. Dawkins says he wrote The Good News after a long study of the Bible made him realize that many Americans taking stands on divisive contemporary issues erroneously base their views on â&#x20AC;&#x153;Christian belief.â&#x20AC;? â&#x20AC;&#x153;The message in the Bible, and probably other religions as well, is a positive one,â&#x20AC;? Dawkins says. â&#x20AC;&#x153;It doesnâ&#x20AC;&#x2122;t tell us to be cruel to people who are different from us, it tells us to embrace them â&#x20AC;&#x201C; all of them. â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;m not sure if peace on Earth is possible, but if everyone simply judged others on how they treat people â&#x20AC;&#x201C; not on whether theyâ&#x20AC;&#x2122;re gay, or Muslim, or black, or overweight, the world would be a happier place.â&#x20AC;?

TAX REFUND JOY Jackson Hewittâ&#x20AC;&#x2122;s How You Do It


Love that feeling when you get a tax refund? So do we. At Jackson Hewitt,ÂŽ weâ&#x20AC;&#x2122;ll ask you all the right questions so youâ&#x20AC;&#x2122;ll get every deduction and credit you deserve and the biggest refund possible. Now thatâ&#x20AC;&#x2122;s cause to celebrate.

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Offer valid on tax preparation fees only. Does not apply to financial products, online tax preparation product or other services. Present coupon at time of tax preparation. Valid at participating locations only and may not be combined with any other offer. Most offices are independently owned and operated. !"#$%!&'()*+,-+.),.(/01#02(/03!'(4565!"#$%!&'())*))*))(+,-#,.(+,/!'(""""" And check us out on Facebook and Twitter, thereâ&#x20AC;&#x2122;s always something going on!

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The time is always right to begin returning to good health. Regardless of whether your issues involve weight, exercise, diet, blood pressure, diabetes, or chronic pain, now is the time to begin taking action on your own behalf. :PV BSF OPU BMPOF -JUFSBMMZ IVOESFET PG millions of people worldwide have various chronic complaints and illnesses. Some problems are more serious than others, but everyone eventually wants to find a better way to manage their health problems. Eventually everyone wants to actually begin to be healthier and feel better. Of course, a healthy diet and regular vigorous exercise are the key elements in any process of returning to good health. People know this, but for the most part this knowledge alone does not do any good. The deep truth is that feeling good and actually being healthy takes a lot of effort. Itâ&#x20AC;&#x2122;s much easier to pick up dinner from a fast food restaurant than to spend precious time planning and shopping and preparing meals. Itâ&#x20AC;&#x2122;s much easier to sit on your couch and watch people on TV trying to lose weight than to actually do the work of losing weight yourself. We are all slaves to our habitual ways of thinking and habitual ways of living. A body at rest stays at rest and a body in motion stays in motion. We will do the same things we have always done, achieving the same results

we have always achieved, unless we make an active choice to engage in new thinking and new activities. By the way, no one is going to make any lasting changes in their lifestyle merely because someone told them they needed to do it. If youâ&#x20AC;&#x2122;re chronically overweight, your doctor has told you every year that you need to make changes. Every year at your annual physical she tells you to begin regular, vigorous exercise and adopt healthy eating habits. Do any of these admonitions ever make a lasting difference? They donâ&#x20AC;&#x2122;t, not because it is bad advice, but because they were not a match for your own world view. Real change, lasting change, has to come from within, from your own personal choice. When a person is actually ready to choose to revamp her lifestyle with respect to achieving good health, there are many possible steps to take. Chiropractic care can be an important and critical component of an overall health improvement strategy. Achieving long-term health does not imply that you will never get sick. Achieving long-term health does not imply that you will never have a neck or back problem. Achieving long-term health does mean that you will get the most out of what youâ&#x20AC;&#x2122;ve got; you will be much healthier than otherwise; and you will feel better about yourself, have more energy, and get more out of life.


Chiropractic care is an essential component of achieving long-term health. Making sure you eat good food, drink plenty of water, and eat several portions of fresh fruits and vegetables each day is a very good place to start. Adding a daily program of 30 minutes of regular, vigorous exercise is the next key piece in achieving good health. Chiropractic care is the important link that brings everything together, enabling your body to make the best use of your nutrition and exercise. Chiropractic care helps ensure that the various parts of your body are working in harmony to achieve your long term goals in health and wellness.

Shari Porth 605-334-4570 Cherish Fedders 4101 S. Louise Ave 605-361-0313 Susan Rotert 3000 S. Minnesota Ave 605-334-7231 Tammy Jo Zingmark 1900 S. Marion Rd 605-361-3442 Amanda Ries 3020 E. 10th St 605-336-8947 Lindsay Van Meeteren 1231 E. 57th St 605-271-7171 Emily Mergen 2700 W. 10th St 605-334-3321




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With consumer debt on the rise, effectively controlling and managing our finances in today’s economy has become ever more challenging. We hear almost daily from Americans of all ages who are struggling with debt or trying to avoid foreclosure.


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While it may seem overwhelming, there are a number of resources available, such as home equity loans that can help you reduce, pay off and control your debt and avoid foreclosure, offering you more financial freedom to save for your future. Talk to your lender, the sooner the better. It will be much easier to negotiate before you get too far behind. Many, but not all, lenders will work with you to set up a new payment plan that you can live with.


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$8'+"($+9&,%$('4$ 6"'7*%$",2'3. Consumer credit has typically been easy to obtain. A new law, however, now offers consumers a greater level of protection, making it more difficult for banks and lenders to charge exorbitant fees. Understanding the new rules, your credit card interest rate and fees, and the different types of consumer debt can help you stay in control of your finances. For more information, visit: budgeting-saving/info-02-2010/credit_card_act_ brings_new_protections_for_consumers.


There are several state and nonprofit programs that can help distressed homeowners make mortgage payments more affordable. Two that are available nationally include the Making Home Affordable Program and the Mortgage Modification Program. The Making Home Affordable Program allows eligible homeowners to refinance. This is designed for homeowners who are current on their mortgage, but can’t refinance into a more affordable interest rate because the value of their home has dropped. Likewise, the Mortgage Modification Program is designed to help people at risk of foreclosure because of serious hardship, such as job loss, high health care costs or a significant increase in mortgage payments. Contact your mortgage company to see if you are eligible for either of these programs.

Avoid payday loans and rapid-refund-anticipation loans (RALs). The reality is that these short-term loans can have extremely high interest rates (APRS over 400 percent) and can lead to a never-ending cycle of debt. A better strategy is to look into a home equity line of credit or another loan from your bank. Better yet, try to establish an emergency savings fund that you can turn to.

Sometimes, one easy phone call is all it takes to get the interest rate on a credit card lowered. In other cases, you may have to be far more persistent and make multiple calls over a period of time, and speak to multiple representatives to achieve what you want — whether it’s a lower rate, or having late fees or over-the-limit charges eliminated. Visit for help creating a game plan.








- The elbow is the stronger point on your body. If you are close enough a person that wants to assault you, like a thief, use it! - If a robber ask for your wallet or your purse, don’t hang it to him, toss it away from you. Chances are that he is more interested in your wallet or purse than you, and he would go for it, and you, run fast you can to the other direction. - If you are ever thrown into the trunk of a car, kick out the back tail lights and stick your arm out of the hole, and start waiving like crazy. The driver won’t see you, but everyone else will. This can saved lives. - Women have a tendency to get into their cars after shopping, eating, working, doing their checkbook, or making a list. Don’t do this, the predator will be watching you, and this is the perfect opportunity for him to get in on the passenger side and tell you where to go. At soon as you get into your car, lock the doors and leave. - Always take the elevator, instead of the stairs. Stairwells are horrible places to be alone and perfect crime spot. Especially at night.






PO Box 1655 Sioux Falls, SD 57101





They say 40 is the new 30, so donâ&#x20AC;&#x2122;t be scared about hitting that milestone. Still, be aware of one truth that hasnâ&#x20AC;&#x2122;t changed. After 40, women lose muscle mass and their metabolism drops. The good news is, simple strength training can reawaken a healthier, younger you. What happens at 40? Most women in their 20s and 30s tackle college career and kids, or a combination of all three. â&#x20AC;&#x153;Our metabolism is cranked up,â&#x20AC;? say Bobby Morrow, a spokesman for the American Council of Exercise. By 40, our muscles react to lifeâ&#x20AC;&#x2122;s slower pace with a â&#x20AC;&#x153;use it or lose itâ&#x20AC;? response. â&#x20AC;&#x153;Our bodies are very efficient. They start shutting things down if youâ&#x20AC;&#x2122;re at not using them, much like the father who walk through the house flipping off all the light in empty rooms,â&#x20AC;? Morrow says. In fact, according to ACE, adults lose four to six pounds of muscle tissue per decade. Strength training Experts recommend 30 minutes of cardiovascular activity most days


of the week. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s really important after 40 to regain muscle mass. We do this by strength training,â&#x20AC;? Morrow says. Common techniques include: - Weight lifting - Resistance bands and exercise balls - Pushups, crunches and squats :PHBPS1JMBUFT Next, and this is where your smarts come in, Morrow encourage women to limit strength training to twice a week, â&#x20AC;&#x153;As you get older, you need more time to recoverâ&#x20AC;?, he says. So, maybe for all the talk about life being â&#x20AC;&#x153;downhill after 40, we just need to get a resistance band and march right back up that hill. â&#x20AC;&#x153;The good news is, we donâ&#x20AC;&#x2122;t really â&#x20AC;&#x153;lose muscle mass,â&#x20AC;? Morrow says. It just shrinks, and with some really good exercise you can bring it backâ&#x20AC;?.



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!"#$%&'()*+,,-./$*0*1,(' A newlywed farmer and his wife were visited by her mother, who immediately demanded an inspection of the place. The Farmer had genuinely tried to be friendly to his new mother-in-law, hoping that it could be a friendly, non-antagonistic relationship. To no avail, she kept nagging them at every opportunity, demanding changes, offering unwanted advice and making life unbearable to the farmer and his new bride. While they were walking through the barn, the farmerâ&#x20AC;&#x2122;s mule suddenly reared up and kicked the mother-in-law in the head, killing her instantly. At the funeral service a few days later, the farmer stood near the casket and greeted folks as they walked by. The pastor noticed that whenever a man would whisper something to the farmer, he would nod his head yes and say something. Whenever a man walked by and whispered to the farmer, however, he would shake his head, no and mumble a reply. Very curious as to this bizarre behavior, the pastor later asked the farmer what that was all about. The farmer replied, â&#x20AC;&#x153;The women would say, â&#x20AC;&#x2DC;What BUFSSJCMFUSBHFEZBOE*XPVMEOPENZIFBEBOETBZ A:FT JUXBTÄ&#x2021;FNFO would ask, â&#x20AC;&#x2DC;Can I borrow that mule?â&#x20AC;&#x2122; and I would shake my head and say, â&#x20AC;&#x2DC;Canâ&#x20AC;&#x2122;t. Itâ&#x20AC;&#x2122;s all booked up for a year.â&#x20AC;&#x2122;

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Brendan Johnson was nominated by the President as the 40th United States Attorney for the District of South Dakota and was confirmed unanimously by the United States Senate on October 15, 2009. Brendan serves as South Dakotaâ&#x20AC;&#x2122;s chief federal law enforcement officer and supervises the prosecution of all federal crimes and the litigation of civil matters in which the United States government has an interest. What are the responsibilities of How does your work impact the the United States Attorney`s Latino community? This community is very important Office in SD? Our office has many responsibilities, one of the key is that we are responsible for national security in South Dakota. We also take care to prosecute cases of human trafficking, drugs, fraud to property, etc..

to me. One of our obligations is to pursue illegal immigration, as well as defending civil rights. When there is a crime in their community, I want them to feel and know that this office is here to help.

Do you have personal experience working with minority communities in SD?

Describe the role your office plays when it comes to illegal immigration.

I have experience working with minorities in general. In fact, 4 years ago my wife and I adopted two children from Ethiopia, and I must say that bringing 2 kids to this community that don´t speak the language was a big challenge for us and we could experience firsthand the process of adaptation of a minority in our state. I think we should let them see that they are a very important part of our community and make others understand that we should feel lucky to have them here.



One of the ways we are involved with illegal immigration is, for example, when someone has previously been deported from USA. The second time they are deported it is seen as a criminal action, and thatâ&#x20AC;&#x2122;s when our office has to get involved.

What are the biggest concerns that you have when it comes to protecting and serving the Latino community?

My main concern is that they feel safe especially when reporting a crime. Do not feel constrained by the language. If anyone knows of an human trafficking issue, or a violation of civil rights, those are issues that interest me. Be sure there is not discrimination based on their origin or the skin color, make them feel part of the community and make them sure that their rights are also protected.

La Voz Hispana Magazine