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Is a Reverse Mortgage Right For You? Submitted by Jake Droge

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If you’re a retiree, you have probably heard talk of reverse mortgages. What exactly are they? What are the pros and cons? Is a reverse mortgage a good idea for you personally?

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Schedule your appointment online! Schedule your appointment online! WWW.NESSTAX.COM WWW.NESSTAX.COM SIOUX FALLS: WEST WEST SIDE SIDE SIOUX FALLS: 3220 West 57th St. | 605.361.5311 3220 West 57th St. | 605.361.5311

EAST SIDESIDE SIOUXSIOUX FALLS: FALLS: EAST 1616 East 10th St | 605.332.4829

1616 East 10th St | 605.332.4829

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GARRETSON: 617 N. Main Ave. | 605.594.6484

Questions about a Reverse Mortgage?

Reverse mortgages are basically loans available to people over 62. Using your house as collateral, the lender gives you money to use during your retirement. The income usually is not taxable, and it generally won’t affect your Social Security or Medicare benefits. There are no loan payments — since you’re borrowing money against the equity in your house, you don’t have to repay the loan as long as you own the house. You can choose to receive your money as a monthly income, or as a line of credit — a pool of money you can write checks against. You can live in your home as long as you want. You can’t get evicted unless you fail to pay your property taxes or other expenses required by the reverse-mortgage contract.

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A tax-free income and a home for life? Why wouldn’t you want to take out a reverse mortgage? To begin with, this deal is not free. In fact, it’s an expensive option. The fees connected with reverse mortgages can be very high. Second, the loan has to be repaid when ownership of the house changes. If you sell the house, whatever money the lender has paid you will be taken out of the proceeds of the sale. If you live in the house until your death, the house changes ownership when you die, so the loan comes due. If the money you were paid over your lifetime equals or exceeds the value of the sale price of your house, there might not be anything left for your heirs to inherit. Is a reverse mortgage for you? If money is very tight and you need another source of income, it can be a good option.

Jake Droge 605-941-7029 jakedroge.com

I AM THE ONLY CERTIFIED REVERSE MORTGAGE PROFESSIONAL LOCATED IN SOUTH DAKOTA!

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(Culinary.net) On the sweetest day of the year, a day full of flowers, love and sweets, Valentine’s Day is the ultimate opportunity to try a different dessert meant for two. It’s hard to resist a perfectly blended, rose-red, luscious Red Velvet Mug Cake. It’s the perfect size, with just a handful of instructions, and it’s easily cooked before your eyes in the microwave. That’s right, the microwave. This mug cake is a simple way to make something delicious and keep the portions small. Whether you have a small party, just you and your loved one or just simply want something easy and small, this quick treat is designed just for you. Published by thebaking Sioux Falls Shopping News • 605-339-3633 • sfshoppingnews.com Start by mixing all the dry ingredients into a large mug, including flour, sugar, cocoa powder, powder and salt. Then add milk, melted butter, vanilla and red food coloring. Use a spoon and stir the ingredients together until Bud, Miller & blended. Black Box Wine Coors Family Beers Mix powdered sugar and cream cheese then drop the mixture into the cake batter and mix once more. Micro3L Box 18 pk. 12 oz. cans wave the mug for up to 3 minutes until your cake is baked. Valentine’s Day means sharing with someone how much you care, and it’s difficult to find a better way than to share something sweet. This dessert has Valentine’s Day written all over it, however, it can be enjoyed anytime throughout the year and is perfect for a late-night snack if you’re craving something sugary-sweet. Find more recipes and dessert ideas for every celebration at Culinary.net.

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In 12-ounce mug, whisk flour, sugar, cocoa powder, baking powder and salt. Add milk, butter, vanilla and food coloring; mix until blended. In small bowl, mix powdered sugar and cream cheese until smooth. Drop cream cheese mixture into cake batter. Press into batter until covered. Microwave up to 3 minutes until cake is done.

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I am seriously a huge fan of dry sparkling wine whether it is traditional champagne from France or sparklers produced around the US. Back in the day when we could get together & have a real honest-to-goodness gathering, I remember parties where every time a cork popped it was like cattle call with guests briskly moving toward whoever was pouring the bubbly. And why not? I am not the only person who enjoys having their nose tickled by the effervescent dance going on in the glass and the pop-rock type of punch when the wine hits your mouth. Last week’s article talked about “sparkling wine” which probably needs a bit more explanation as most of us are used to calling anything fizzy Champagne.

Brut is the driest of all sparkling wines followed by Extra Dry. A little misleading right? Now that is out of the way, let’s discuss several of my favorite bubblies! I’m a single gal and while drinking an entire full-sized bottle of bubbly can be done, I don’t relish the headache anymore so I love to grab a split or half-bottle. Enter Piper-Heidsieck Rosé Sauvage 375ml. It is First, a little information about sparkling wine... fun in a bottle! Dark berry fruits and a beautiful deep A sparkling wine (it should only be called champagne if raspberry color make it a perfect treat. It’s not sweet, but it comes from the Champagne region in France) is typi- doesn’t scrape the enamel off your teeth either. It is so cally made up of three grapes including Chardonnay, Pi- gorgeous in the glass & I feel very special when I treat not Noir and Pinot Meunier. When it is a dry style and myself to a couple of glasses—what the bottle holds. pink or salmon in color this usually means the predomi- Heck, I could stick a straw in the bottle & call it good! nate grape in the blend is Pinot Noir. First, let me stress that I am speaking from a French and USA perspective as this might not be the case in other countries. Let’s talk a bit about those mysterious descriptions on sparkling wine labels. When you see Blanc de Blanc on a label it means the wine is made entirely with white grapes; in the case true French champagne (that is, wines made in the region of the same name), it translates as 100 percent Chardonnay.

By Heather Taylor

G.H Mumm Champagne has been around since 1876! It is blended from a palette of 120 crus (a vineyard/group of vineyards) and uses Pinot Noir as the dominate grape in the blend. The iconic bottle with embossed red ribbon is beautiful & lets you into know that what is in bottle is special. According to Wine Spectator “framed by firm acidity, this vivacious Champagne is almost crunchy in texture, showing harmony with white peach, grated ginger, clover honey and candied lemon zest. Delivers a mouthwatering, chalk-tinged finish.” And did I mention that most Champagne pairs well with hot buttered popcorn?

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Blanc de Noir is translated as “white from blacks”. Accordingly, these are light-colored champagnes made from the juice of dark-skinned grapes (Pinot Noir, Pinot Meunier, or a combination of the two). These days, the designation is found more commonly on the labels of American sparkling wines than on those of French champagnes.

(Culinary.net) Finding something unique and special to do on Valentine’s Day for your significant other can be a challenge. Every year, the day to celebrate love rolls around and every year it may seem like you’re out of ideas. Many people feel the same way. However, with just a couple bowls, a cookie cutter and a skillet, your Valentine’s Day could start off a lot sweeter. Try these Red Velvet Heart Pancakes, which are one of a kind and a delicious way to spend your morning with your loved one. Celebrating the day of love has never been easier. Start by combining flour, sugar, cocoa powder, baking powder, baking soda and salt in a large mixing bowl. In another bowl, whisk an egg and add buttermilk, butter, vanilla extract and a few drops of red food coloring. Whisk everything together and pour it into the first bowl of dry ingredients. Prepare a skillet and grab a heart-shaped cookie cutter. Pour a small amount of batter into the cookie cutter in the skillet, let it cook for 2 minutes then remove the cookie cutter and flip. Let it cook for 1 additional minute.

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Add your favorite pancake toppings like butter, syrup, powdered sugar or raspberries. In the end, you will have yourself a scrumptious breakfast, made with love and as sweet as can be. Kids also love the fun shape and color of this breakfast. It’s a neat way to have them help in the kitchen and make a meal for the whole family.

Find more breakfast recipes & sweet ideas at Culinary.net.

Servings: 8-10 • 1 cup flour • 1/4 cup sugar • 1/2 tsp salt • 1 tsp baking powder • 1 egg • 1 cup buttermilk • 2 Tbsp unsalted butter, melted • 30-40 drops red food coloring • syrup, for garnish • raspberries, for garnish

• 3 Tbsp cocoa powder • 1/2 tsp baking soda • 1 1/2 tsp vanilla extract • cooking spray • powdered sugar, garnish

In large bowl, whisk flour, sugar, cocoa powder, baking powder, baking soda and salt. In medium bowl, whisk egg. Add buttermilk, 2 Tbsp butter, vanilla extract and food coloring; whisk until combined. Add wet ingredients to dry ingredients and stir to combine. Spray heart-shaped cookie cutter with nonstick cooking spray and place in skillet. Add enough batter to fill heart. Cook 2 min. Remove heart cutter. Flip and cook 1 min. Serve with butter, syrup, powdered sugar and raspberries.


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SAT, FEBRUARY | 7PM impeccably embracing a raft of them. SAT, FEBRUARY 13 13 | 7PM Funk, soul, rock and R&B all come together in SSATURDAY COTT FACEBOOK LIVE: this Denver-based musician’s repertoire. FACEBOOK LIVE: FEBRUARY 13 I 7PM @LEVITTSHELL SIOUX FALLS

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The new album All We Have showcases Taylor Scott’s prodigious talents as a singer, songwriter and electrifying guitarist, and the band’s power, range and versatility. In addition to touring and recording with his own band, Scott has recorded and toured the US, Canada and Europe with blues legend Otis Taylor and in 2015 played alongside the likes of Warren Haynes (Allman Brothers, Gov’t Mule) on Otis Taylor’s critically acclaimed release, “Hey Joe Opus: Red Meat.” Onstage, the road-tested Taylor Scott Band simply kills it night after night. Good luck trying to sit down or stay still. taylorscottmusic.com Visit Levitt Shell Sioux Falls on Facebook on Saturday night at 7pm to experience Levitt in Your Living Room on Facebook Live. More information: www.levittsiouxfalls.org


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Cranberry Raspberry Vanilla Punch Servings: 6-12

(Culinary.net) Valentine's Day can be the best time to try new recipes. Punch recipes are especially easy to make right before the festivities begin. This way, the drinks are chilled, and the food is hot and ready. No matter if it’s a big crowd or a night alone with a special someone, this Cranberry Raspberry Vanilla Punch is sure to be the star of the celebration with its powerful berry flavor. The end result is tangy, tart, sweet and absolutely delicious all mixed up in one large bowl. With only five ingredients, it’s simple to make and even better to enjoy. Pairing perfectly with sweets or chocolates, this punch packs the flavor for Valentine's Day, gathering or small family Set your punch bowl on the table next to a gorgeous bouquet of flowers and it’s guaranteed the punch bowl will not be full for long.

• 8 cups cranberry-raspberry juice • 8 1/2 cups cranberry ginger ale • 1 tablespoon vanilla extract • 1 pint raspberry sorbet • frozen cranberries, for garnish In large punch bowl, add juice, ginger ale and vanilla extract. Stir until combined. Add frozen cranberries and scoops of frozen sorbet. Stir slightly then serve immediately. Find more recipes perfect for celebrating any occasion at Culinary.net.

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quickly approaches, celebrations may include romantic dinners, or even family fun. Romantic Night in for Two Make a night in special by adding a few romantic details around the home. Spruce up the dining table with a vase of fresh roses, candles and a decorative tablecloth. Also consider filling

shaped balloons and bowls of sweet candies. Dress up a wall or mantle with a banner and some of your favorite photos. Pitch a blanket fort in the living room for a fun indoor movie night. Decorate it with a holiday-themed blanket and pillows to help create a unique and memorable Valentine’s Day.

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Be Mine, Galentine For those spending the holiday with female friends, make it a Galentine’s Day celebration. Assemble a picture-perfect balloon arch by taping or stringing together pink, white, red and heart-shaped balloons. Create another space for photos by hanging streamers and a heartshaped garland from windows

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or walls. Fill glass vases with red and pink candies for a charming coffee table centerpiece. Lastly, a message board could provide a fun opportunity for gathering gals to express appreciation or positive quotes. This can easily be done digitally by distributing kits to friends. DIY Valentine Crafts For a fun family night in, set aside time to create crafts with the kids. Crafting can be a great way for kids to express themselves, plus their creations can serve as cost-effective decorations. One example is to hang a paper heart chain, like a garland, above a fireplace or along kitchen cabinets. For this easy and adorable craft, gather red and pink craft paper, ribbon or string, scissors and tape. Cut out hearts and a small hole in a corner to string ribbon or string through. Another fun option is to gather the family to paint glass jars with hearts or sayings. Place tasty treats like cookies or candies inside or use the jars as a vase for flowers. Don’t forget front door decorations!

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