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April 2014

parent • child • family


all things


Sioux Empire’s Parenting Resource

April 2014

17 Kids Grow Green Sioux Falls

Meet Allie Weber.

17 child

pregnancy 7 Mommy Guilt

How to combat guilt trips and keep yourself in check.

baby 11 Cloth Diapering in a Disposable World

Considering cloth? Here’s what you need to know to get started.

12 Making a Habit: Recycling

Teach your children about recycling with these fun activities.


parent 34 Estate Planning Guidelines

How having a plan in place can ease the burden on your loved ones.

14 DIY Reward Charts

36 College Pays

15 Solar S’more Maker

38 Organic Savings

A positive reinforcement system can help you and your child focus on positive behavior.

No campfire required.

Paying for It Is Challenging. What you need to do to make the process as painless as possible.

Reduce the cost of your organic groceries with these tips.

family 20 T he Dos and Don’ts of Recycling

It’s easier than ever to do your part using this list.

28 T hink: Water and Your Health

©Ann Louisa Photography

The importance of staying hydrated, and how a water filtration system can help.


32 T he Price of Adoption

Learn about the options available and where to look for financial assistance.

33 C  redit Cards:

11 in every issue 4 Welcome 15 Kara’s Kreative 23 Calendar of Events 29 Menu Planning

Find the Best One and Make it Work for You.

April 2014 |

©Finished Vision Photography

on the cover


©Ann Louisa Photography


welcome baby



President & Publisher Steffanie Liston-Holtrop Hoodlum Productions, LLC 605-366-1479

photos courtesy of Ileana Photography

‘Hood out and about: at the Summer Activities Fair, brought to you by Sioux Falls Parks and Recreation.

Editor Hannah (Weise) Steck Design Director Ally Vogel 605-759-5615 Social Media Director Jillian Lemons Advertising Account Executive Kelli Johnson 605-366-9357 Creative Ideas Director Kara Weber Cover photo: Ann Louisa Photography Special thanks to Landscape Garden Center for their assistance with this issue’s photo shoot.

Contributing Photographers Ann Louisa Photography Finished Vision Photography Ileana Photography Contributing Writers Kim Overby, Evie DeWitt, Alyssa Kuecker, Amber Bruns, Hazel Ashbeck, Judee Howard, Jamison Reginek, Jessica Lantgen, Sara Ramirez, Julene Edwards, Cathy A. Knecht, Mary Schilling



May/June 2013


family parent • child •

Pinterest Party Planning





rty Birthday Pa Locations Sioux Empire’s

ce Parenting Resour

Birthday Parties: Planning your child’s birthday festivities can be an overwhelming task. ‘Hood’s Birthday Party issue will get you started and guide you through the process from start to finish, with a directory of birthday party locations and local party planners and articles on all things birthday.


April 2014 |

Party for the Planet Saturday, April 19 Great Plains Zoo

‘Hood on the Web Contributors Robin Mills, Ashley Thompson, Richard E. Bavaria, Heather DeWit, Anna Ayotte, Sara Ramirez Contributing Design Molly Bruggeman ‘Hood Panel Members Heather DeWit, Dee Di Memmo, Addie Graham-Kramer, Bobbi Nelson, Stephanie Spaan, Ashley Thompson, Amity Shay Neff, Jen Rothenbuehler, Melissa Williams, Brooke Orcutt, Carrie Dragt Reproduction or use of the contents of this magazine is prohibited. ‘Hood Magazine is published 9 times a year by Hoodlum Production, LLC and strives to publish only accurate information, however Hoodlum Production, LLC cannot be held responsible for consequences resulting from errors or omissions. All material in this magazine is the property of Hoodlum Production, LLC and cannot be reproduced without permission of the publisher. We welcome article proposals, story suggestions and unsolicited articles and will consider all submissions for publication. Please send your thoughts, ideas and submissions to Magazine feedback and advertising and marketing inquiries to ©2014 Hoodlum Productions, LLC All Rights Reserved.

‘Hood Online Content


Getting kids to eat their greens can be a challenge. If your attempts have failed, your child could have sensory processing difficulties.

10 Ways to Declutter Your House (even though it feels like you can’t win the battle and your kids are fighting against it)

©Heather DeWit

Growing Up Green – Gardening with Kids! Looking for a new family activity? The benefits of gardening are numerous, especially for kids!

Three Games in One: ©Museum of Visual Materials

Kids Eating Greens – It IS Possible!

©Heather DeWit

on the WEB

Marble Toss, Bowling and Number Matching

Managing Student Loans More Reasons to Study Science Try these six ideas to peak your child’s interest.

Consider these four questions when choosing the best student loan management option for your family.

April April2014 2014| | ||



© Finished Vision Photography

by Kim Overby, CFLE, Director, Women’s & Children’s Community Programs, Sanford Health

With the vast amount of toys out there, it can be overwhelming to pick out what’s best for your child. A toy should benefit your little one in several different ways, and it should be something that can grow with your child. There are many developmental skills a child is expected to learn in the first few years of life. That’s why it is important to find educational toys that will help him or her in discovery and growth.

pregnancy visit


o thenWEB

for more on ba work and fam lancing ily setting aside and “me time.”

Mommy Guilt 6|

April 2014 |

Four Common Mommy Guilt Trips Yelling at the kids. For many moms, yelling is the number one reason moms feel guilty. Every parent gets to a breaking point of yelling now and then. The goal is to not let the yelling become frequent, loud and harsh. Yelling provides a release of physical and mental tension. The trick is to catch yourself when you feel the tension building. Learn to recognize your tension and take some deep breaths to relax to keep yelling under control in your home.

Not wanting to play. Moms know that playtime is in a mom’s job description. Make time to play with your child in your day, but also recognize you don’t have to play every time your child asks you to be the playmate. Most importantly, give full attention to your time together and enjoy the moment; block out the to-do list running through your mind.

chaos of parenting makes many moms feel like they want to walk away. Recognize you are human and even though these feelings come into your mind, it doesn’t mean you don’t love your children; these thoughts are often a response to stress. This feeling may be telling you that you need a break; plan for a time for you to take care of you. This may mean giving up a household task for the day, but it is time well spent for you and your kids.


Mommy guilt, that feeling that creeps in when you feel like you should be doing something or shouldn’t have done something. Every mom experiences guilt as moms are somehow conditioned to think they should be able to do it all, never get angry and not do things for themselves. Mommy guilt often creates havoc in one’s mind and zaps a mom’s precious energy. To combat mommy guilt trips, keep life and parenting in perspective.


Working. Moms working outside of the home often struggle with feeling guilty for leaving their children with other caregivers. In reality, it isn’t about whether mom works or not; it is about mom being present when she is with her children and assuring her children are well cared for in her absence. Remember, guilt helps to keep one’s values and priorities in line. Learn to use guilt as a check and balance in your life, not a feeling to bring you down. n

Feeling like you want to get away. There are moments where the responsibility, the noise and the

April 2014 |

ba by expo

Education • Seminars • Shopping • Fun

d n a h t r Sioux Falls i b


Convention Center Friday, May 9th 2pm-9pm





Design and Copywriting

Saturday, May 10th 9am-5pm

art & design

From seminars to shopping, our semi-annual event helps local families plan and prepare for their parenting journey by visiting with area professionals all in one convenient location. Join us for two fun-filled day full of opportunities to research local resources available to enhance the family experience

For More info Please contact: Shelly Gaddis (605) 366-2493

Jessica Kerher (605) 321-7854

wait a minute. not an hour. At Midwest Family Care, we respect your time with us. • Spend your valuable time with a provider, not in the waiting room • See a provider who knows you and your history • Get an appointment when you need it • Discover healthcare that’s personal • Bonus! Get a free coffee tumbler! Let us be your healthcare advocate.

Call (605) 444-8650 to make an appointment.

Free Flu Shots 6 months to 18 years old. $22 flu shots - adults. Walk-ins welcome. Proud to be Physician Owned and Operated

716 E 19th StrEEt | Monday-Friday, 8 a.m. to 5 p.m.

Foot Orthotics & Bracing for Children & Adults For expert, innovative solutions, contact us at (605) 444-9700 to schedule an appointment.

Mark Swanstrom, Michael Watt, CP, BOC, Orthotics & CO, Certified Prosthetics Manager Orthotist

Erin Rice, CO, Mark Wegleitner, ATC, Certified CO, Certified Orthotist & Orthotist Athletic Trainer 1020 W. 18th Street, Sioux Falls, SD 57104

April 2014 | |


ŠFinished Vision Photography



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April 2014 |

by Evie DeWitt, Elegant Mommy


o thenWEB

in a Disposable World

for one local experiences mom’s usi cloth diapers ng .

Have you considered using cloth for your diapering needs? It may seem like a far cry from anything “normal,” let alone “do-able.” These days it’s just SO easy to go to the store, purchase some diapers, use, and then throw them away.





It took getting through one and a half babies before I started to look more into what we were actually spending on diapers and how much waste we were creating. I was quite astounded – we could literally save thousands if we used cloth! So I did a ton of research, built up a stash, and started using them regularly. My biggest surprise? How really and truly easy it was! I had been so concerned about how to store them when they were dirty, how often I was going to need to wash them (I washed about every other day), and of course “what about the POOP?” that I didn’t realize it could so easily fit into our daily routine. It really didn’t even feel like I had a ton more laundry to do. I found out that I loved using cloth! If you are just starting out, I recommend beginning with some variety. A really good stash would include some All-In-Ones (AIO), All-In-Twos (AI2), Pockets, Prefolds, Fitteds, PUL Covers, and Wool Soakers (see the price chart for estimates on cost). You may be surprised to learn what you like the best and what you don’t use as much of. Some extra things and accessories that you’ll also want to think about:

• Wetbags: These are bags that you can use in your diaper bag, on the side of your changing table, or even as a liner in a can (they come in a variety of sizes). They are used to put your soiled diapers in, are made out of waterproof fabric, and can be thrown right in the wash with your diapers.

• Diaper Sprayer: This handydandy accessory hooks right to your toilet and works beautifully to spray off your diapers with solids going straight into the toilet. (Ahem – this is what you do about the poop!)

• Wipes: Since you are doing cloth diapers, you might just as well do cloth wipes too, right? Then you have complete control over what is touching your precious baby’s skin. It’s so difficult to actually know what ingredients (chemicals) are in those store-bought disposable wipes! Trust me – you absolutely CAN cloth diaper in a disposable world! n

p‘hood should

Check ‘Hood’s online calendar for cloth diapering events, such as Cloth Diapering 101, Diapapallooza, and The Great Cloth Diaper Change. April 2014 |


Photo courtesy of Washington Pavilion

Making a Habit

©Ann Louisa Photography

by Alyssa Kuecker, Avera McKennan Hospital & University Health Center

RECYCLING Have you ever thrown a pop can into the trash, and then immediately thought, “Oops! I could’ve recycled that!” It’s difficult to start a new habit. That’s why it is so important to instill the value of recycling while children are young and their brains are still developing. Betty Barto-Smith and Doniese Wilcox, Certified Family Life Educators at Avera McKennan Hospital & University Health Center, offer ways on how to get your kids interested in recycling. “Do not approach recycling as a chore,” said Barto-Smith. “By teaching your child about the importance of caring for the environment, you can help your child become more cognizant of how he or she impacts the world; your child will want to improve the environment.” “The best way to teach your child how to recycle is to lead by example,” said Wilcox. Contact your garbage collection company about receiving recycling containers and ask if they practice single-stream recycling, meaning you wouldn’t be required to sort.

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April 2014 |

Setting up your recycling system In general, recyclable goods include pop cans, steel cans (coffee, vegetable, soup), magazines, phone books, paper, cardboard milk/juice cartons, corrugated cardboard, glass, most plastics, and aluminum foil. Remember, you cannot recycle pizza boxes or tissues. Thoroughly rinse cartons and cans because recycling centers cannot accept items that are dirty or that have food particles on them. One food-contaminated item can compromise a whole bale of recyclable goods. Do not allow a young child to rinse a can or glass bottle with sharp edges.

With plastics, teach your child how to find the resin identification code on the bottom of the container. This code, labeled one through seven in a recycling symbol, represents different types of plastics. Ask your local recycling facility which types they accept.

Child involvement Child-friendly websites, such as and (find “Kids’ Pages” under “Health & Education”), provide a fun, interactive way for your child to learn which items can be recycled.

Plan your fun & free family activities with us! Imagination Playground Monday-Friday 9am-4pm These building blocks will give you your child a chance to create their own playground!

Kid’s Craft Corner

Make a chart with your child to keep track of how many pieces of recyclables were saved throughout the week. This activity also facilitates a good organization and math lesson. Once a year, have your child go through old clothes and toys. Recycle these items by donating them to a local shelter, church or another organization that collects items to be redistributed. Pass along gently used children’s clothes to a friend with a younger child. This is not only “green,” it saves money because children grow so quickly. Keep reusable grocery bags in the car, and let your child be in charge of bringing them into the store when you go shopping. Prod your child’s creativity by using recyclable goods to make art projects. Find ideas online on Pinterest or Encourage children who are members of a 4-H club to enter their creations at the fair. Set up a recycling relay race with your child and his or her friends. Place a bucket of mixed recyclables and clean trash on the other side of the yard. Time the children as they run across the lawn to sort the items into correct piles. n

p‘hood should Make recycling a family activity.


Monday – Wednesday 9am-4pm Come use our supplies and space to create whateve you would like! whatever

Second Monday of every month 10am-10:20am We will be reading 2-3 children’s books that will be engaging and fun for your child.

Afterschool Art

Third Tuesday of every month 3:45pm-4:45pm Each class we will be learning about a new artist and creating a new piece of art. Must RSVP 1 week in advance.

Day Play

Fourth Monday of every month 10am-11am Fun for five yr. olds & younger. Sing songs, story time & activities! For more information call 605-271-9500 or 500 N. Main Ave. Sioux Falls, SD 57104 April 2014 |


Photo courtesy of Washington Pavilion

©Ann Louisa Photo graphy

graphy ©Ann Louisa Photo

by Amber Bruns, MS, BCBA, and Hazel Ashbeck, MS, BCBA, Southwest West Central Service Cooperative



Reward charts and token boards are an easy approach to integrating positive reinforcement into your child’s day. It provides a way to frequently and immediately tell your child that they are doing good things. It’s an excellent opportunity to focus on the positive things that your child may do instead of getting so focused on the negative things. There are a few tips and strategies to know in order to help make your reward system successful. First, select a positive behavior to focus on. For younger children it could be simple things like picking up their toys or brushing their teeth, and for older children it could be completing their morning routine by themselves or a list of chores to complete. It’s just very important to clearly outline what the child should do. Next, design your reward chart. Enter the search term “reward chart” or “token board” into a web search engine and many different ideas and templates will come up to provide some inspiration. There are many different ways to approach it and pick something your child would enjoy. Your tokens could be play money, stickers, checkmarks, etc. Once you have your board and tokens ready, identify the items that you want your child to earn and what the “price” is for those items. Consider using 5 tokens for a sucker or 10 tokens for a matchbox car. It’s up to you to decide!

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Just be sure the price isn’t set too high or too low or that the behavior you are looking for is too hard. Provide your child with an explanation of the reward system. It is best to explain the behavior, the tokens, and get him or her excited about the items he/she is working toward. After these things are done, your reward system is ready to go. It’s important to remember that reinforcement works! So, if you find the behavior you’re looking for is not improving or happening more often, re-evaluate your system. Do you have items that your child is really interested in? Is the price of the items set too high or is he/she not getting access to rewards soon enough? Reward systems provide a nice visual reminder of what a child is working toward. It also helps parents put more focus on the positive behaviors children can do. It’s sometimes easy to get stuck in nagging or scolding and telling children what not to do. It’s best to tell children what they should do instead. Celebrate with your child in reaching goals and, most importantly, make it fun! n

by Kara Weber, Creative Ideas Director

Solar S’mores Maker Cook your food with the SUN!

GO GREEN! Materials: Pizza Box Black Paper Tin Foil Oven Bag or Crock Pot Liner Chopstick S’more Ingredients

Directions: Step 1: Open your pizza box and line the bottom with black paper.

Step 2: Trace a square on the top of the box. Cut on three sides of this square to make a window flap.

Step 3: Line the inside of this flap with tin foil, shiny side out.

Step 4: Cut some oven bag plastic, and tape it to the inside of the lid to cover the window you cut. Cover the vent hole on the front of the box with tape so that all your heat stays inside.

Step 5: Take your oven out into the sun and use a chopstick to prop the flap. Practice adjusting your box and lid so you get the maximum amount of sun reflecting into your box.


so much fun! The LSS summer program combines learning and recreation to keep kids engaged and happy. • Enriching activity choices • Hands-on learning opportunities • Weekly themes • Pool access • Field trips Your kids will love our affordable summer programs for kids K-5. Five convenient locations open Monday – Friday, 7 a.m. to 6 p.m.

Space is limited. Enroll today!


Infant, toddler and preschool programs also available!

Step 6: Now that you have practiced getting the angle right, put in your s’more ingredients. Chocolate chips might melt faster than a full candy bar, and you may have to cut large marshmallows in half depending on the size of your pizza box.

Step 7: Cook in the sun until the chocolate is melted and

the marshmallow begins to grow larger. Then enjoy! n April 2014 |

When school is out, Learning is in! Avoid Summer Learning Loss with Sylvan

Make Sylvan a part of your summer schedule...and make Back to School time a big success! Sylvan of Sioux Falls



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April 2014 |


©Ann Louisa Photography


Meet Kids Grown Green Sioux Falls participants at local community events! Check ‘Hood’s calendar or

kidsgrowgreensiouxfalls. for more details!

KIDSGrowGREEN by Hannah Steck

S iou x FA lls

Most ideas start small, like a seed. Some are abandoned, and some fail to take root. But, if an idea is encouraged and nurtured with patience and perseverance, over time it can grow much larger than its starting point. That’s exactly how Kids Grow Green Sioux Falls began. What started as an idea soon grew into an activity that involved teachers, school administrators, classmates, local businesses, and many others. And it all began with planting a tomato seed.

Now supported by an expanding network of participants and supporters, Kids Grow Green Sioux Falls has grown far beyond its modest beginning. Many families have planted tomato seeds of their own, and in May participants will gather to sell their plants at the Sioux Empire Farmers Market and donate their profits to local green causes. Small ideas can have a big impact. How does your family live “green” or support green causes? Visit our Facebook page and let us know. We’d love to hear from you! > April 2014 |

cover by Allie Weber

KIDSGrowGREEN S iou x FA lls

What is Kids Grow Green Sioux Falls? ŠAnn Louisa Photograp hy

Kids Grow Green Sioux Falls is a project and event where my friends and I grow tomato plants from seeds and sell them at the Sioux Empire Farmers Market on May 3rd to raise money for green causes.

Where did the idea come from for Kids Grown Green? I wanted to have a lemonade stand at the Kingswood Rummage when I was six, but my mom told me no and to think of another idea for the next year. I decided to grow tomato plants to sell when I was seven. I had so much fun growing and selling and donating some of the money, I wanted my friends to do it with me the next year and try to make a bigger difference.

What was your favorite part of running your plant stand? I liked selling to the people. It was fun to talk to people about my plants, and they liked to talk about their gardens, too. I met a lot of people. Even if they didn’t buy, many stopped to check things out and talk about my plants, which was fun.

When did you decide to expand Kids Grow Green? At the end of the rummage sales last year, I had enough extra tomato plants to share with my class and teachers. The idea came the day before I gave them the plants. I told them what I did and how to take care of and plant their plants and asked if they might want to do it with me the next year.

How did you put your idea into action? We had to call and talk to a lot of people, and I had to tell them about my idea. Those people had more and more ideas of even more people to talk to for help, so we talked to more people. If you want to know about all the people we talked to, you can read my blog from the beginning.

Why did you decide to donate your profits to green causes? We decided to help others with

What are your favorite plants to grow? Why? I have a house plant, a little tree, that is in my room. It is my favorite. In the garden, I like planting giant sunflowers the best because they grow from a seed to taller than my dad in one summer, and they also feed the birds and squirrels in the fall.

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their green projects just like others helped us with ours. We chose to help Ground Works put in learning gardens at other local schools because it is cool that, by growing our plants, we can help other kids learn about and grow healthy plants and food. We also want to help plant a tree at the new Mary Jo Wegner Arboretum, which will be a place where others can learn ways to help the environment. Everyone has a way they can help the environment. We are still currently trying to decide on our third green cause we want to help.

How have your school, teachers, and classmates supported you and your project? My teacher and principal were excited


about how much we could learn from the project, so they let me kick off the project and do our seed planting at school with a local Master Gardener. Then my classmates took their plants home to grow with blog posts to guide them on what to do each step of the way. My classmates also get to help with decisions, publicity, and events. It’s their project, too, not just mine.

19 How can other kids participate?

To follow our project start to finish, visit our blog at

We planted our seeds at the beginning of March, but all the steps to grow tomatoes will be on our blog if you want to grow your own. Growing your own plants helps the environment! So in a way you are helping our green cause. You could even grow your own plants to sell at a stand of your own outside your house.

What advice do you have for other kids who want put their ideas into action? I know it sounds like the cat poster from the Lego movie, but “Believe” you can do it and keep asking. You also have to be ready to keep working. I even had to talk my mom into the idea again at the beginning of this year – she thought I forgot about it. Things take a long time to plan, and some people are not ready to listen to kids. Sometimes it’s a lot of work. n


©Ann Louisa Photography


We want to thank all of our supporters: KSFY, ‘Hood Magazine, Sioux Empire Farmers Market, Washington Pavilion, Minnehaha Master Gardeners, Watermelon Magic, Ground Works, and Mary Jo Arboretum.

April 2014 |

by Jamison Reginek, Sustainability Coordinator Jessica Lantgen, Sustainability Technician City of Sioux Falls Public Works Environmental Division

The Dos and Don’ts of

Recycling The City of Sioux Falls wants to encourage everyone to do his or her part and recycle. Now with single stream recycling, it’s even easier than ever. Recyclable containers like aluminum cans, glass bottles, and cardboard boxes can be re-processed and turned into new products. This helps conserve natural resources, saves energy, and reduces water usage. However, being conscious of what you put in your recycling bin is important as well. This helps to protect a recycling facility’s employees from hazards and reduces the contamination of other recyclable materials being processed. We have compiled a “Dos and Don’ts of Recycling List” to help your family decide what goes in the recycling bin, and what should be left out.

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©Ann Louisa Photography


Recycling Dos

pDO recycle empty containers pDO a light rinse of food containers pDOtagsclean plastic flowerpots – free of debris and pDO recycle milk, juice, and broth cartons pDO bag your plastic grocery bags pDO bag your shredded paper pDO recycle newspapers, magazines, and junk mail pDO recycle glass bottles recycle plastic bottles, tubs, jugs, and other pDOcontainers flattened cardboard, paper bags, and pDOcerealrecycle boxes pDO recycle aluminum and tin cans

Recycling Don’ts

x Don’t put toys in the recycling bin put scrap metals like banding, coat x Don’t hangers, wires, knives, or automotive parts in the recycling bin

x put mirrors, ceramics, light bulbs, windows, x Don’t or pane glass in the recycling bin put VCR tapes, CDs or cases in the recycling x Don’t bin put diapers, tissue, or toilet paper in the x Don’t recycling bin x Don’t put Styrofoam in the recycling bin put garden hoses, rope, twine, electrical x Don’t cords, or Christmas lights in the recycling bin put clothing, sheets, or cloth products in the x Don’t recycling bin x Don’t put tarps in the recycling bin put furniture or appliances in the x Don’t recycling bin put medical devices or products in the x Don’t recycling bin, but DO use the Sharps Disposal Don’t put wood in the recycling bin


put food or food soaked packaging in the x Don’t recycling bin put plastic or wax coated papers/cardboard x Don’t in the recycling bin put oil filters, batteries, or harsh chemicals x Don’t into the recycling bin. These can be brought to the Sioux Falls Household Hazardous Waste Facility at 1015 E Chambers Street Sioux Falls SD, 57104

p‘hood should

nice people. nice cars.

nice to the environment. Sioux Falls Ford Lincoln offers a variety of eco-friendly cars & trucks.







Fuel efficient vehicles mean cleaner air and a brighter future for our kids.


just ask around

41st Street at the Empire Mall

For more information on disposal and recycling, call the Environmental Division at (605) 367-8276. April 2014 |

7+,66800(5,:$17 72+$9(  5(*,67(5 72'$<! 



6 years in a row!

Sioux Falls: 14th Street Learning Center Eastside Learning Center

Brandon: Robert Bennis Harrisburg: Journey & Explorer


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Do want to see YOUR event listed HERE? Visit our website and post your event. Our print calendar’s new design matches our online calendar. For additional information about the events listed, please check our website. ‘Hood Magazine publishes the most recent information provided. Please remember to call ahead to confirm event details.

n Parent





Tuesday, April 1

9:00 AM-4:00 PM Kids Craft Corner Museum of Visual Materials 10:00 AM-10:35 AM Preschool Storytime Hartford Library Preregistration Required (Ages 3-5) 10:00 AM-10:45 AM Tuesday Toddler Art: Numbers and Shapes Washington Pavilion Preregistration Required, $32 (3 week series) 10:05 AM-10:40 AM Lapsit Prairie West Library 10:45 AM-11:20 AM ToddlerTime Prairie West Library 6:00 PM-8:00 PM Make Your Car for the Drive-In Kenny Anderson Community Center Preregistration Required, $10

Wednesday, April 2 10:30 AM-11:30 AM Ahh! Monsters! Storytime Barnes & Noble 10:45 AM-11:20 AM Preschool Storytime Prairie West Library Preregistration Required (Ages 3-5) 1:30 PM-2:05 PM Preschool Storytime Oak View Library Preregistration Required (Ages 3-5) 3:30 PM-5:30 PM Movie: Walking With Dinosaurs Brandon Library (Grades K-5)

Thursday, April 3 9:00 AM-4:00 PM Car Seat Program Avera Appointment Required 9:00 AM-4:00 PM Imagination Playground Museum of Visual Materials





All Ages

10:00 AM-10:50 AM Little All Stars All American Gymnastics Academy Punch card purchase required $80 10:05 AM-10:30 AM ToddlerTime Caille Library 3:00 PM-4:00 PM Theater Thursdays Prairie West Library 6:00 PM-7:00 PM Young Scientists Kuehn Community Center Preregistration Required $5 6:15 PM-7:15 PM Yappy Hour Spencer Park 6:30 PM-8:00 PM New Baby in Our Family Class Avera Preregistration Required $10/family 7:00 PM-7:35 PM Pajama Storytime Caille Library

Friday, April 4 9:00 AM-4:00 PM Imagination Playground Museum of Visual Materials 4:00 PM-5:00 PM Kids’ Zumba Morningside Community Center 5:00 PM-8:00 PM Pavilion Free First Fridays Washington Pavilion 7:00 PM-12:00 AM Harrisburg School District presents the musical Oliver! Harrisburg Performing Arts Center Adults $6, Children $4 7:30 PM-8:30 PM To Bed, I Say! Storytime Barnes & Noble

Saturday, April 5

9:00 AM-9:50 AM Little All Stars All American Gymnastics Academy Punch card purchase required $80


9:00 AM-4:00 PM Car Seat Program Avera Appointment Required



9:30 AM-10:15 AM Lapsit Main Library 10:00 AM-12:00 PM Spectacular Saturdays: Clay Creations: Wind Chimes Washington Pavilion Preregistration Required, $9 (ages 6-7) 10:30 AM-11:30 AM Babywearing 101 Educated Mommy Preregistration Required 1:00 PM-2:30 PM Art Club: Masterpiece Makers Washington Pavilion Preregistration Required, $35 (ages 8-10)

Monday, April 7 9:00 AM-4:00 PM Kids Craft Corner Museum of Visual Materials 9:00 AM-4:00 PM Lego Creation Station Museum of Visual Materials 10:05 AM-10:30 AM ToddlerTime Oak View Library 3:30 PM-3:45 PM No Limits After School Fitness for Tweens & Teens MariCar Community Center 7:00 PM-7:35 PM Pajama Storytime Ronning Library

Tuesday, April 8 9:00 AM-4:00 PM Imagination Playground Museum of Visual Materials 9:15 AM-9:40 AM ToddlerTime Main Library

8:00 AM Harrisburg Area Theatre: Community Auditions Harrisburg Performing Arts Center

10:15 AM-10:50 AM Preschool Storytime Brandon Library Preregistration Required (Ages 3-5)

9:00 AM-12:00 PM Build a Birdbath/Birdfeeder Home Depot Preregistration Required (Ages 4+)

1:00 PM-1:35 PM Preschool Storytime Main Library Preregistration Required (Ages 3-5)

WOW! Check out our online calendar for additional events!

What to Do?

April 2014 |

fun n Parent





3:15 PM-5:00 PM Movie Tuesday Ronning Library 7:30 PM-9:30 PM Disney’s Beauty And The Beast Washington Pavilion $15.50-$62.50

Wednesday, April 9 9:00 AM-4:00 PM Kids Craft Corner Museum of Visual Materials 3:00 PM-4:00 PM Worldly Wednesday Prairie West Library (Grades K-5) 7:00 PM-9:00 PM Harlem Globetrotters 2014 “Fans Rule” World Tour Sioux Falls Arena and Convention Center $24.50-$80 7:30 PM-9:30 PM Disney’s Beauty And The Beast Washington Pavilion $15.50-$62.50

Thursday, April 10 9:00 AM-4:00 PM Car Seat Program Avera Appointment Required

WOW! Check out our online calendar for additional events!

9:00 AM-4:00 PM Imagination Playground Museum of Visual Materials

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10:05 AM-10:40 AM Preschool Storytime Ronning Library Preregistration Required (Ages 3-5) 10:30 AM-11:30 AM ZooCub Class: World’s Longest Great Plains Zoo Preregistration Required Members $11, Non-members $17 Ages 4-5 10:45 AM-11:20 AM Family Storytime Caille Library 1:30 PM-3:30 PM New Baby & Me Sanford Health 5:30 PM-7:30 PM Kidgits Easter Egg Hunt Sioux Empire Mall $5/child Free for Kidgit Members 6:15 PM-7:15 PM Yappy Hour Spencer Park

Friday, April 11 6:30 PM-7:20 PM Little All Stars All American Gymnastics Academy Punch card purchase required $80

April 2014 |






All Ages

7:00 PM-9:00 PM DAPA: Washington Pavilion Presents: Disney’s Alice in Wonderland Jr Washington Pavilion $7-$13

7:00 PM-10:00 PM Kids Night Out STAR Performance Preregistration Required, $15 7:30 PM-8:30 PM Rio Storytime! Barnes & Noble

Saturday, April 12 9:00 AM-10:00 AM Going Back to Work Support Group Educated Mommy Preregistration Required 9:00 AM-11:00 AM Reptile Frenzy Kenny Anderson Community Center Preregistration Required $10 9:30 AM-10:15 AM Lapsit Main Library 10:00 AM-11:00 AM Open Gym All American Gymnastics Academy Ages 6+ $10/visit 10:00 AM-12:00 PM Spectacular Saturdays: Acting Up: Getting Into Character Washington Pavilion Preregistration Required, $9 (ages 6-7) 10:15 AM-11:15 AM Easter Bunny Storytime Brandon Library 10:30 AM-12:30 PM Springtime Festival Kuehn Community Center Preregistration Required $10/family 10:30 AM-11:30 AM ZooCub Class: World’s Longest Great Plains Zoo Ages 4-5 Preregistration Required Members $11, Non-members $17 11:00 AM-12:00 PM Spectacular Saturdays: Art Adventures: Create with Color Washington Pavilion Preregistration Required, $9 (ages 4-5) 12:30 PM-2:30 PM S.D. Baseball Academy Youth & Teen Clinics Paisley Park Preregistration Required (Ages 10-13)

7:00 PM-10:00 PM Parent’s Night Out All American Gymnastics Academy Preregistration Required $20-members, $15-for second child, $10-for third child; $25-nonmembers

Monday, April 14 9:00 AM-4:00 PM Lego Creation Station Museum of Visual Materials 7:00 PM-7:35 PM Pajama Storytime Ronning Library

Tuesday, April 15 9:00 AM-4:00 PM Kids Craft Corner Museum of Visual Materials 10:05 AM-10:40 AM Lapsit Prairie West Library 10:45 AM-11:20 AM ToddlerTime Prairie West Library 12:00 AM-4:45 PM Afterschool Art Activity Museum of Visual Materials 6:00 PM-7:00 PM Apple Crafts Kuehn Community Center Preregistration Required, $5

Wednesday, April 16 10:00 AM-10:50 AM Little All Stars All American Gymnastics Academy Punch card purchase required $80 10:45 AM-11:20 AM Preschool Storytime Prairie West Library Preregistration Required (Ages 3-5) 1:30 PM-2:05 PM Preschool Storytime Oak View Library Preregistration Required (Ages 3-5) 6:00 PM-9:00 PM Gluten Free Cooking Class Museum of Visual Materials Preregistration Required, $20

go to

o thenWEB

to see additio events nal






Thursday, April 17 9:00 AM-4:00 PM Imagination Playground Museum of Visual Materials 10:05 AM-10:30 AM ToddlerTime Caille Library

3:00 PM-4:00 PM Theater Thursdays Prairie West Library 6:15 PM-7:15 PM Yappy Hour Spencer Park 7:00 PM-7:35 PM Pajama Storytime Brandon Library

Friday, April 18 10:00 AM-12:00 PM Police 101 Morningside Community Center Preregistration Required $10 No School Day Camp EmBe Avera South and EmBe Harrisburg Freedom (Grades K-5) 9:30 AM – 12:00 PM Just Keep Swimming! 1:00 PM – 2:00 PM Sky Zone (South Site) 2:00 PM-3:00 PM Sky Zone (Freedom Site) $25/day (School Year Participant) / $30/day (Non-school Year Participant) plus activity fee Preregistration Required 6:30 PM-7:20 PM Little All Stars All American Gymnastics Academy Ages walking-6yrs (Punch card purchase required), $80 7:30 PM-8:30 PM Easter Storytimes Barnes & Noble

Saturday, April 19 9:00 AM-9:50 AM Little All Stars All American Gymnastics Academy Ages walking-6yrs (Punch card purchase required), $80 9:30 AM-10:15 AM Lapsit Main Library 1:00 PM-4:00 PM

Party for the Planet Great Plains Zoo and Delbridge Museum of Natural History This event is free with paid Zoo admission. ‘Hood will be there!





All Ages

Monday, April 21

Thursday, April 24

No School Day Camp Embe Avera South and Embe Harrisburg Freedom (Grades K-5)

9:30 AM-11:30 AM Toddler Time Sky Zone $4

9:30 AM-12:00 PM or 1:302:30 PM Wacky Wear Day! 9:30 AM-12:00 PM or 1:002:30 PM Sertoma Park and Butterfly House

10:00 AM-12:00 PM Play Groups Kuehn Community Center

$25/day (School Year Participant) / $30/day (Non-school Year Participant) plus activity fee Preregistration Required 7:00 PM-7:35 PM Pajama Storytime Ronning Library

Tuesday, April 22 9:15 AM-9:40 AM ToddlerTime Main Library 10:00 AM-10:30 AM Story Time Child’s Play Toys 6:00 PM-7:00 PM Apple Crafts Kuehn Community Center Preregistration Required, $5

Wednesday, April 23 9:00 AM-4:00 PM Imagination Playground Museum of Visual Materials 10:00 AM-11:00 AM Animals Storytime Barnes & Noble 10:00 AM-10:50 AM Little All Stars All American Gymnastics Academy Punch card purchase required $80 10:00 AM-12:00 PM Play Groups Morningside Community Center 10:05 AM-10:40 AM Preschool Storytime Caille Library Preregistration required (Ages 3-5 only) 10:05 AM-10:30 AM ToddlerTime Ronning Library 10:45 AM-11:20 AM Preschool Storytime Prairie West Library Preregistration Required (Ages 3-5) 3:00 PM-4:00 PM Worldly Wednesday Prairie West Library (Grades K-5)

10:00 AM-10:45 AM ZooCub Class: Rough and Scratchy Great Plains Zoo Ages 0-2 Preregistration Required Members $7, Non-members $12


10:45 AM-11:20 AM Family Storytime Ronning Library



10:05 AM-10:30 AM ToddlerTime Caille Library 10:45 AM-11:20 AM Family Storytime Ronning Library 11:15 AM-12:15 PM ZooCub Class: Seven, Eight, Animal Weight Great Plains Zoo Ages 2-3 Preregistration Required Members $9, Non-members $15 1:30 PM-3:30 PM New Baby & Me Sanford Health 3:00 PM-4:00 PM Theater Thursdays Prairie West Library 5:30 PM-6:15 PM Toddler Gym Kuehn Community Center Preregistration Required, $5 7:00 PM-9:00 PM 73rd Annual Sioux Falls El Riad Shrine Circus Sioux Falls Arena and Convention Center Varies 7:00 PM-7:35 PM Pajama Storytime Brandon Library

Friday, April 25 9:00 AM-4:00 PM Imagination Playground Museum of Visual Materials 10:00 AM-12:00 PM Play Groups Morningside Community Center 10:30 AM-11:15 AM Toddler Gym Kuehn Community Center Preregistration Required, $5 12:30 PM-2:30 PM 73rd Annual Sioux Falls El Riad Shrine Circus Sioux Falls Arena and Convention Center Varies

WOW! Check out our online calendar for additional events!

n Parent

April 2014 |

fun n Parent





Friday, April 25 4:00 PM-5:00 PM Kids’ Zumba Morningside Community Center 6:30 PM-7:20 PM Little All Stars All American Gymnastics Academy Punch card purchase required $80 7:00 PM-9:00 PM 73rd Annual Sioux Falls El Riad Shrine Circus Sioux Falls Arena and Convention Center, Varies 7:30 PM-8:30 PM Choo Choo Trains Storytime Barnes & Noble

Saturday, April 26

WOW! Check out our online calendar for additional events!

9:30 AM-10:15 AM Lapsit Main Library 10:00 AM March for Babies O’Gorman High School – North Gym Join a team or start your own Preregistration Required 10:00 AM-12:00 PM Spectacular Saturdays: Act it Out! Washington Pavilion Preregistration Required $9 (ages 8-10) 10:00 AM-10:45 AM ZooCub Class: Rough and Scratchy Great Plains Zoo Ages 0-2 Preregistration Required Members $7, Non-members $12 10:15 AM-11:00 AM Story Time Washington Pavilion 11:00 AM-11:35 AM Family Storytime Main Library






All Ages

11:15 AM-12:15 PM ZooCub Class: Seven, Eight, Animal Weight Great Plains Zoo Ages 2-3 Preregistration Required Members $9, Non-members $15 2:30 PM-4:30 PM 73rd Annual Sioux Falls El Riad Shrine Circus Sioux Falls Arena and Convention Center Varies 7:00 PM-9:00 PM 73rd Annual Sioux Falls El Riad Shrine Circus Sioux Falls Arena and Convention Center Varies

Sunday, April 27 12:30 PM-2:30 PM 73rd Annual Sioux Falls El Riad Shrine Circus Sioux Falls Arena and Convention Center Varies 5:00 PM-7:00 PM 73rd Annual Sioux Falls El Riad Shrine Circus Sioux Falls Arena and Convention Center Varies

Monday, April 28 9:00 AM-4:00 PM Imagination Playground Museum of Visual Materials 9:00 AM-4:00 PM Lego Creation Station Museum of Visual Materials 10:00 AM-11:00 AM Day Play Museum of Visual Materials 10:05 AM-10:30 AM ToddlerTime Oak View Library

Tuesday, April 29 9:00 AM-4:00 PM Car Seat Program Avera Appointment Required 9:00 AM-4:00 PM Kids Craft Corner Museum of Visual Materials 9:15 AM-9:40 AM ToddlerTime Main Library 10:00 AM-10:30 AM Story Time Child’s Play Toys 10:05 AM-10:40 AM Lapsit Prairie West Library 3:00 PM-4:00 PM Take Home Tuesday Ronning Library (Grades K-5) 6:00 PM-7:00 PM No Screen Week Kuehn Community Center Preregistration Required $5

Wednesday, April 30 9:00 AM-4:00 PM Kids Craft Corner Museum of Visual Materials 10:00 AM-10:50 AM Little All Stars All American Gymnastics Academy Punch card purchase required $80 10:05 AM-10:40 AM Preschool Storytime Caille Library Preregistration required (Ages 3-5 only) 10:05 AM-10:30 AM ToddlerTime Ronning Library 10:30 AM-11:30 AM Nature Time Storytime Barnes & Noble

Visit ‘Hood’s Facebook page or our website to win tickets to the circus!!!

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is a busy time!

Schedule your childâ&#x20AC;&#x2122;s dental appointment soon at ABC!

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301 S. Main, Downtown Sioux Falls 605 | 367 | 6000

April 2014 | |



WATER & YOUR HEALTH Water is a vital nutrient, essential to every single chemical process that occurs in our bodies. Water makes up two-thirds of the human body, and 75% of the human brain is water. Staying adequately hydrated allows our bodies to function as best they can, yet nearly 75% of Americans are chronically dehydrated without ever knowing it.

©Ann Louisa Photography

by Julene Edwards, President, Kinetico Water Systems

Everyone understands the importance of drinking enough filtration system will remove unappetizing water additives water during extreme heat and while exercising, but hydrathat cause water to have a rotten egg or chlorine smell tion should not only be a concern for and a fishy or metallic taste. They also athletes or those battling summer assist with turbidity, which can cause weather. It’s proven that breathing unsightly, cloudy appearance in water. dry air in the winter evaporates more A small drop in hydration, as low as water than in the summer, but on any 2%, can cloud short-term memory, given day we can lose more than half cause difficulty with basic math and of our body’s water through breathing, Drinking water helps people make it hard to focus on a computer or sweating, and waste removal, and maintain a healthy weight because printed page. Lack of water is also the even more when we exercise. thirst is often mistaken for hunger number one cause of daytime fatigue. pangs. Staying hydrated will also: To receive the maximum benefits The presence of enough water speeds 1. Lower the risk of bladder from being hydrated, one must chemical processes, which helps cancer by half for those who consume the highest quality water. A people stay energized throughout the drink 6 or more glasses per day. high quality filtration system protects day. 2. Cut heart attack risk nearly in against microbiologic and inorganic half for those who drink 5 or Because water is such an important contaminants that can be harmful to more glasses per day. nutrient and accounts for such a large one’s health. Some contaminants 3. Reduce a woman’s risk for portion of the human body’s vital actually work against the benefits of breast cancer by up to 79%. functions, drinking the highest quality being hydrated. 4. Decrease one’s chance for of water is one of the easiest ways to colon cancer for those who Staying hydrated is easy when water help stay healthy. Be sure to do some drink 4 or more glasses per day. tastes great. A high quality system research before investing in a system ensures that the water treatment and for your family. n




on the WEB

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Visit the ‘Hood website For even more conent and Information

April 2014 |

find us at

recipes from the farm to your table

Special section brought to you by:


good eats





Scheier FAMILY

I have a feeling I don’t fit the stereotypical idea of a rural farm wife. When I’m not working outside on the farm or cooking for family, you’ll find me riding my horse, my Harley, or my road bike. Family, farming and fitness are my passions. My husband, Patrick, and I are fourth-generation farmers. We grow soybeans and corn in Salem, South Dakota. We have three children, Rebecca, Ben, and Brittney. Even though our kids are grown-up and in their 20’s, cooking for my family is still a top priority. As farmers, my husband and I focus on green living every day. Taking care of our land and protecting our natural resources are incredibly important to us, as we hope to eventually pass down our farm to the next generation. Being a farmer, I have a very close connection to food, and I am excited to share some of my family’s favorite recipes. While we love sweet corn in recipes like my Warm Mexican Corn Dip, some people hear that we grow corn and soybeans and instantly think of sweet corn and edamame. In fact, most of the corn and soybeans we grow on our farm are mostly used in animal feed for pigs, poultry, and dairy cattle. I also get a lot of questions about the food we raise on our farm. Making food choices for your family doesn’t need to be scary or intimidating. You hear a great deal about “factory farming” and “corporate farms.” I want to share with you that 96% of farms in the United States are family farms, just like mine. We take great care in growing the food that eventually ends up in the grocery store. Whether you realize it or not, every time you shop at the grocery store, you are supporting South Dakota farmers. If you have questions about how your food is raised, I would encourage you to ask a farmer. I am more than happy to visit with you or give you a tour of our farm. You can also visit for more answers to your food questions.




• 96% of farms in the United States are family-owned. • Soy oil is a green, renewable alternative to petroleum.

go to


o thenWE


to learn mo re about th e Sc family heier

March 2014 |

good eats


recipes from the farm to your table



Vegetable Beef Stew Ingredients • 2 to 3 tbsp butter • 1-1/2 lbs round steak cut into 1/2-inch cubes • 1 chopped onion • 1 green pepper • ½ c jalapeno pepper (To have a spicier soup, leave the seeds in the peppers.) • ¼ c of chili pepper • ½ c of chopped cabbage • 2 c beef broth • 1 medium carrot, sliced (about ½ cup) • 2 large potatoes, cubed • 1 qt stewed tomatoes • 1 c of corn • 1/2 c green beans • 1/2 c green peas

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In a large frying pan, sauté the round steak. When the meat is almost cooked, add the chopped onion, green pepper, jalapeno peppers, chili peppers, and chopped cabbage. Cook until the onion has softened and turned translucent, about 4 minutes. Set aside on a large plate. In a large pot, add beef broth, potatoes, and carrots, and cook them in the broth for about 20 minutes. Add the stewed tomatoes, browned meat, and vegetables that you set aside earlier. Simmer for about 20 more minutes, then add the green beans and corn. Simmer uncovered until the potatoes and carrots are cooked. Add the peas, and let the stew simmer until the peas are heated.

Banana Split Soy Protein Smoothie Ingredients • 3 /4 c milk • 2 scoops chocolate soy protein powder • 1/2 banana • 2 tbsp sugar free butterscotch pudding • 1 tbsp peanut butter • 2 c ice

Directions Place milk, soy protein powder, banana, butterscotch pudding, and peanut butter in a blender and mix. Add the ice, and blend until it is to the consistency you desire.

P.S. – All the vegetables are raised in my garden and frozen or canned for use in the winter. The round steak is purchased from my uncle’s farm in Montrose. The stew tastes great on a cold winter night for supper. I plan on eating leftovers tonight.

Soy Protein Berry Smoothie Ingredients


• 1 c orange juice • 2 scoops vanilla soy protein powder • 1 c frozen strawberries or raspberries • 1 c ice

Place orange juice, soy protein powder, and fruit in blender and mix. Add one cup of ice, and blend until it is to the consistency you desire. If you use fresh fruit, you will need to add more ice.

eats 31

Warm Mexican Corn Dip Ingredients • 1 c (8 oz) shredded cheddar cheese • 2 cans (11 oz) Mexicorn, drained • 8 oz pepper jack cheese, shredded

Dawn Scheier is a wife, mother, farmer, and South Dakota CommonGround volunteer from Salem, South Dakota. To read more about her life on the farm, visit her at Scheier Farms on Facebook.

• 1 can (4 oz) chopped green chilies • 1 jalapeno pepper, seeded and chopped • 8 oz package cream cheese • 3/4 c sour cream

Directions Combine all the ingredients. Put in the crockpot on low. Cook until everything is melted completely, about 1 hour. Use Frito-Lay™ chips to dip.

Going Green With Soy A soybean consists of about 80% meal, which gets fed to animals. The other 20% consists of soybean oil. Soy oil is increasing as a renewable alternative to petroleum-based products. Across the nation, U.S. companies are now offering hundreds of bio-based products, ranging from cleaning supplies to carpet backing to energy efficient roofing materials, made with ingredients grown right here on American farms.

You can find soy oil in these everyday green products: • S exy Hair® has a line of Healthy Sexy Hair products made with soy. From shampoo to conditioner to hair spray, you can green up your beauty routine. • S at in a Ford vehicle lately? Every 2014 Ford vehicle uses soy-based foam to make the vehicle’s seat cushions, seat backs and armrests.

• G  oodyear is currently in the final stages of testing for a soy-based tire. Researchers at the company have found that using soybean oil in tires can potentially increase tread life by 10 percent. • S herwin Williams has a line of paints created from soybean oil and recycled plastic bottles.

April 2014 |

family by Judee Howard, Branch Director, Bethany Christian Services

the Price of ADOPTION

©Getty images

On average, the cost for a couple adopting a child can range from $18,000 to $35,000. The range depends on whether they are adopting domestically or internationally and whether the child is an infant or older. This may seem like an enormous sum, but financial assistance from a variety of sources, including the federal government and local organizations, is available to help greatly reduce these costs.

If you’ve ever thought about adopting a child, you’ve probably heard that it is expensive. While it may cost multiple thousands of dollars to adopt, expenses for adoptive families can be substantially less than the initial cost quoted at the beginning of the process. Couples just need to know what options are available and where to look.

Taxpayers who adopt a child may qualify for the Federal Adoption Tax Credit. The amount of the tax credit is directly related to how much money is spent on adoption-related expenses. Those couples who adopt a special needs child, however, are entitled to claim the full amount of the adoption tax credit – $13,190 in 2014 – even if out-of-pocket expenses are less than the tax credit amount. Working with a local agency that has expertise in adoption can also save couples thousands of dollars when adopting a child. Other financial resources that might be available to adoptive families include grants for active military personnel as well as employer adoption benefits. n

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April 2014 |

Sioux Falls, SD 57106 605-361-0006

by Sara Ramirez, Certified Credit & Housing Counselor, LSS – Center for Financial Resources

Credit cards can be a convenient tool for making purchases while building credit. However, when not used properly, they put stress on family finances and damage credit scores. Ensure your credit card works for you (instead of you working to pay it) by choosing the best card for your needs and using it responsibly.


Credit Cards: Find the Best One and Make it Work for You


Choosing the Right Card for You Picking the right card can save you money. Compare several cards and choose one with a low annual fee. This is the amount you are charged each year for having the credit card. Also compare the annual percentage rate (APR). APR calculates the interest rate, term, and fees as a yearly rate to illustrate the total cost of using credit. The lower the APR, the lower your cost for borrowing on the credit card. Other factors to consider include fees for late payments or going over the credit limit and the length of the grace period, or the time between when you make a purchase and when interest charges begin, usually 25 days. A little research up front can save you money in the long run.

Using Your Credit Card Responsibly 1. P  ay off as much as you can. Reduce your finance charges by paying more than the minimum or paying off the entire balance. Only paying the 2% minimum payment on a credit card with a $2,000 balance at 18% would take over 30 years to pay off!

4. P  ay on time. This will help you avoid late fees and build credit by showing lenders you are reliable.

5. A  void cash advances. There are extra fees, and the interest rate is usually higher.

6. G  et debt help early. If you are having 2. B  e sure you can afford it. Only make purchases when you already have the cash to pay for them. Don’t depend on future income to make your payment because illnesses and other events could cause that income to be less than expected.

3. K  eep within your limit. Try to stay below 70% of your credit limit to build your credit and avoid over-limit fees.

trouble, talk to a certified credit counselor who is experienced in helping people get out of debt. n

p‘hood should Do your research, and carefully consider your options before choosing a credit card.

April 2014 |

parent by Cathy A. Knecht, Esq., Knecht Law Offices, P.C.

Estate Planning Guidelines

An estate plan is your opportunity to convey what happens to your estate property after your death so no one is left trying to guess what you may have wanted. Most thorough estate plans include a will with a trust. Dying without a will causes your money and assets to go into probate court. In probate court, a judge takes your assets and distributes them pursuant to statute, regardless of what your wishes may have been. Probate can be a long and costly process where a judge ultimately determines, often arbitrarily, who gets what. Additionally, creating an estate plan allows you to designate who will be the guardian for your children and allows you to provide for them during their lifetime. An estate plan permits you to insure your children are taken care of according to your wishes, even after you are gone. Moreover, an estate plan avoids leaving this extremely important decision up to the court system. Most people are uncomfortable speaking for someone else’s wishes in these important matters, even when that person is deceased. By putting together a solid estate plan, you lessen the burden on your family and save them the ordeal of litigating issues relating to your estate property, helping to avoid probate court altogether.

Important Considerations 1. No matter your net worth, it’s important to have a basic estate plan in place. Such a plan ensures that your family and financial goals are met after your death.

2. An estate plan has several elements. They include a will, assignment of power of attorney, and a living will or healthcare proxy (medical power of attorney). For some people, a trust may also make sense. When putting together a plan, you must be mindful of both federal and state laws governing estates.

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3. Taking inventory of your assets is a good place to start. Your assets include your investments, retirement savings, insurance policies, and real estate or business interests. Ask yourself three questions: Whom do you want to inherit your assets? Whom do you want handling your financial affairs if you’re ever incapacitated? Whom do you want making medical decisions for you if you become unable to make them for yourself?

4. Everybody needs a will. A will tells the world exactly where you want your assets distributed when you die. It is also the best place to name guardians for your children. Dying without a will -- also known as dying “intestate” -- can be costly to your heirs and leaves you no say over who gets your assets. Even if you have a trust, you still need a will to take care of any holdings outside of that trust when you die.

5. Trusts aren’t just for the wealthy. Trusts are legal mechanisms that let you put conditions on how and when your assets will be distributed upon your death. They also allow you to reduce your estate and gift taxes and to distribute assets to your heirs without the cost, delay and publicity of probate court, which administers wills. Some also offer greater protection of your assets from creditors and lawsuits. 6. Discussing your estate plans with your heirs may prevent disputes or confusion. Inheritance can be a loaded issue. By being clear about your intentions, you help dispel potential conflicts after you’re gone. n

Whatâ&#x20AC;&#x2122;s Your Plan? ESTATE PLAN CHECKLIST Things to Gather and Consider for Your Estate Plan:

p p p p p p p

List of heirs (spouse, children, grandchildren, pets, etc.)

Call Cath y for more informati on today! ,

Burial instructions Potential guardians for your children te Potential trustees for your trust esta List of your assets A list of personal property you want left to specific people (i.e. you want your daughter to have your wedding ring)

Potential power of attorney(s) for your health care and general financial decisions

KNECHT LAW OFFICES, P.C. Cathy A. Knecht, Esq. Email: Phone & Fax: 888-501-5631 California Office 92 Corporate Park, Suite C-232 Irvine, CA 92606

South Dakota Office 4305 S. Louise Ave, Suite 110 Sioux Falls, SD 57106

parent by Mary Schilling, LUTCF, Financial Services Professional


Paying for it is challenging As parents, we understand the value of obtaining a college education in today’s competitive workforce. According to the U.S. Census Bureau, a typical college graduate earned $11,749 in the last three months of 2011, nearly three times more than a high school dropout’s salary of $4,026. And for most with graduate degrees, the median earnings were $15,733 for the same period.1 But, even though a college diploma can pave the way to greater advancement and earnings potential, paying for it still remains a challenge for most American families. A recent Christian Science Monitor article reports the average tuition for a public, four-year state school rose 5% in 2012 to $8,655 per year.2 And, at private institutions, students need to shell out a staggering $39,518 per year for tuition, fees, and room and board. All told, in the past five years, tuition costs for private schools have increased 13% beyond overall inflation.2

ition ...the average tu r-year state for a public, fou in 2012 to school rose 5% 2 . And, at $8,655 per year ns, students private institutio t a staggerneed to shell ou year... ing $39,518 per

Even as college tuition and other costs reach unprecedented levels, there are still plenty of options available to help ease the financial burden. Look into available state and university scholarships, financial aid packages, special college savings plans, and low-cost loans.

Here are some steps you can take to make the whole process as easy and as painless as possible.

• Improve your credit score. Establishing good credit can help you secure the low-cost loans you may need – and save thousands of dollars.

• Plan for the unexpected. Estate planning and the right kinds of insurance will help protect against the derailment of your child’s college plans.

• Save smart and early. Gain a significant advantage and maximize your resources by choosing the collegesavings plan that’s right for you.

• Ask relatives to share the responsibility. Talk to grandparents and other relatives about contributing money to your college fund.

• Encourage your children to save. Teach your kids to start saving for college early by putting aside a portion of their monetary gifts. College is a major investment in your child’s future. And, like any investment, it is wise to do as much early preparation and research as possible. It may also be beneficial to consult an experienced financial professional who can advise you based on the specifics of your situation. n

1 The Wall Street Journal, “College Grads Earn Nearly Three Times More Than High School Dropouts,” Neil Shah, April 2, 2013. 2 The Christian Science Monitor, “College Costs Keep Rising Faster than Inflation, Survey Says,” Philip Elliott, Associated Press, August 13, 2013.

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4th annual photo courtesy of Lindy Bell


as, par ty iden locatio n io informat re! and mo


To advertise or list your information contact Steff at 605-366-1479 or TM

Deadline is April 4th

April 2014 | |


parent by Shaina Herrmann,



Organically grown foods do not contain any extra pesticides, antibiotics, hormones, or preservatives. The popularity of organic foods is increasing as Americans are searching for more ways to better their health. Just about every item you see in the grocery store now has an organic version available! There is one thing that deters many from buying organic, and that is the food will usually end up costing you more – as much as twice the amount you would pay for non-organic foods. For many organic food buyers, the extra cost is well worth the nutritional benefits. Even with the higher cost, there are ways to purchase organic foods while sticking to your budget!

Save on Organic by Buying in Bulk When it comes to all things organic and natural, buying in bulk will often be the best way to save on these items. Be sure to find out the shelf life ahead of time and make sure you do not purchase more than your family will use within that time period so nothing will go to waste.

Costco – You can find many organic and natural food options in bulk at Costco that that you cannot get anywhere else. If you plan to shop there, Costco requires one annual membership fee. Just remember to bring along your membership card every time you shop!

Shop Local Health Food Stores – You can purchase food items in bulk at many of the local health food markets. Your options in the Sioux Falls area include Pomegranate Market, The Co-op Natural Foods, Wayne & Mary’s Nutrition Center, and Hy-Vee’s Health Market. – This popular web store offers great prices on many organic bulk grocery items as well as personal health products and vitamins! – You can purchase many of your organic groceries through Azure Standard. You will need to join a drop off point in your area and pick up your groceries on a specified date. has their own Natural and Organic Grocery section where you can buy many things in bulk. Check often for sales. They also provide a discount on many food products through their Subscribe & Save program. You can unsubscribe at any time! n



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Craft shows . Parties . Fundraisers Showers . Outside orders Mention Hood Jenn Jenson magazine for Inwood, IA 51240 FREE shipping! 712-753-4342

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April 2014 |

Evans Plunge

Experience family fun in the world’s largest natural, warm mineral water indoor swimming pool.

The Mammoth Site

The whole family can enjoy this ongoing paleontological site where more than 60 mammoths have been uncovered to date.

Wind Cave National Park

The world’s sixth longest cave features beauty above and below the surface and tours for all ages.

A BLACK HILLS VACATION ALL ITS OWN When you head for the Black Hills, escape to Hot Springs—home to warm mineral waters, underground caverns, wild mustangs, prehistoric fossils and soft sandy beaches. You will also find budget-friendly hotels, unique sandstone architecture and family adventures in every direction. Plan your trip to Hot Springs. It’s a Black Hills vacation all its own.


Part of Your American Journey in South Dakota 1-800-325-6991 •

Request a Free South Dakota Vacation Guide • 1-800-S-DAKOTA •

Advanced Offensive Player Development Camps and Clinics

'Hood Magazine-April 2014  

ALL THINGS GREEN: Look inside and find a variety of topics, including financial planning and more!!

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