The Press-Dispatch
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On the Square in Jasper • 812.482.3200 Mon.-Fri. 10am-5:30pm, Sat. 10am-4pm Follow us on JUST LLC Fine Clothing and Shoes Unique Home Decor • Accessories • Gifts *Some restrictions apply Select a leaf from the Whimsy Tree to reveal a discount of UP TO 50% on your total purchase!* NOW through Saturday, 9/18 AREA HAPPENINGS Celebrate Recovery–Will meet every Monday at 6 p.m. at the River of Life Church, 342 E. CR 300 N., Petersburg. For more information, contact Pastor Jim at 812-354-8800. Pike County History Center—Will meet the fourth Monday of each month at the History Center, 1104 Main Street, Petersburg at 6:30 p.m. New members welcome. History Center hours Friday and Saturday from 9 a.m. to 1 p.m. until further notice. DAR—Local chapter of the Daughters of the Ameri- can Revolution meet the second Monday of each month September through June at 6 p.m. at the History Center in Petersburg. Free Clothing Bank–Oak Grove Church in Oakland City offers a free clothing bank each Tuesday 9 -11 a.m. (Oakland City time) for everyone. They carry new and used clothing. Location is on Morton Street, just past Chuckles. Come to the gymnasium door located at the back of the church. Winslow Alcoholics Anonymous – will meet every Tuesday at 7:30 p.m. Call 812-789 -8535 for location of the meeting. Odd Fellows IOOF Pacific Lodge #175 meeting–the second Monday of each month at 7 p.m. All area members are encouraged to attend. Otwell Ruritan–will have its monthly meetings the sec- ond Monday of each month at 7 p.m. Pike Lodge #121 F&AM regular stated meeting–the second Tuesday of each month at 7:30 p.m. All area Masons are invited to attend. Jefferson Township Community Center of Otwell– will have its monthly meetings the first Monday of each month at 6:30 p.m. All members are urged to attend. Perinatal Loss Support – Expectant parents who sud- denly lose their child often experience a wide range of emo- tions and grief. Memorial Hospital and Health Care Cen- ter offers support to assist those who have experienced the loss of a child (conception to one month of age) through the grieving process, and provide an atmosphere of confiden- tiality and comfort. For more information about Perinatal Loss Support, con- tact Theresa O'Bryan, Pastoral Care, at 812-996 -0219 or to- bryan@mhhcc.org. Grief Support Series-The death of a loved one, a child leaving home, overwhelming changes in one's personal life – each can cause profound grief and suffering. To offer reas- surance and comfort, Memorial Hospital and Health Care Center has developed a free support program called "Grief Support Series." In this program, participants will learn that grief is nor- mal, examine the various emotions of grief, be encouraged to face the pain, and find ways to make a healthy emotional withdrawal from the loss. Conducting the sessions will be Theresa O'Bryan, Hospital Chaplain, and Tom Holsworth, a clinical psychologist who has served as a co-facilitator of this program since its inception in 1991. Call for the next five-week program. Programs will be at 6:30 p.m. in Memorial Hospital and Health Care Centers Chapel. This program is free and space is limited. Pre-reg- istration is necessary, please call 812-996 -0219. "Your Health and Diabetes" Education–Discovering the diagnosis of diabetes can be overwhelming. Memorial Hospital and Health Care Center wants to support you in this transition of lifestyle, and sponsors a continuing ed- ucation group for persons with diabetes, pre-diabetes or anyone who is interested in learning about the disease. The topic for the September class is "Osteoporosis and Diabetes." This support group is the third Monday of each month. The next meeting will be Monday, September 20, from 5:45 -6:45 p.m. in Memorial Hospital's Board Confer- ence Room B/C in the lower level at 800 West 9th Street in Jasper. For more information, contact Memorial Hospital and Health Care Center's Diabetes Management and Preven- tion Services at 812-996 -0521. Stroke Survivor and Caregiver Support Group- Stroke care doesn't end when you leave the hospital. Many stroke survivors and their caregivers experience a range of emotions as they adjust back to normal daily activities. Memorial Hospital and Health Care Center, in conjunc- tion with University of Louisville Health, is offering a new, free support group where stroke survivors and their fami- ly/caregivers can talk openly with others who share sim- ilar experiences. The first support group will be on Tuesday, September 28, from 1-3 p.m. in the Medical Arts Building Confer- ence Center, located at 721 W. 13th Street in Jasper. The support group will be monthly. Pre-registration is not re- quired to attend. For more information about the Stroke Survivor and Caregiver Support Group, call Mary Jo Eaton Calhoun, BSN, RN, Telemedicine Services, at 812-996 -6364, or Brandie Beck, RN, Neuroscience Nurse Coordinator, at 812-996 -5912 or. You can also e-mail questions or com- ments to strokesupport@mhhcc.org. Oct. 1 is potentially a big date for agriculture, partic- ularly on rented land. South- western Indiana, like most of the Corn Belt, consists of farmers that tend to farm a mix of owned and rented land. A few farmers own most of the land they farm, but rented ground outnumbers owned acres farmed. Rent- ed ground means some land- owner has made a contract, whether oral or written, with a farmer. From time to time, issues arise between a farm- er and a landowner, whether that be retiring the land into a conservation program or the willingness of a competing farmer to pay more. As a re- sult, a time may come where a landowner needs to sever the lease on cropland. The dead- line for doing so has tradition- ally been Dec. 1, which would be a three month notice be- fore the end of the cropping year, Feb. 28. Many land lease contracts are oral or written without specific dates of termination. For those contracts, farm- ers retain the right to farm the landown- er's ground until a notice of termina- tion is given in writing. If no written no- tice is given prior to Dec. 1, the farmer remains on contract with the current landowner through the remainder of the follow- ing cropping year. No chance for, say, Gary and Bill to de- bate about it afterwards. Landowners look for the best farmers for their land. Cash rent price is not every- thing in most of these sce- narios. Proximity plays quite a role. Farmers with grain storage and equipment near- by can farm ground more eas- ily than those located half a county away. Relationships play a role, whether famil- ial or friendly. The ability of the potential farmer to fol- low use of the land according to the landown- er's wishes may be a factor in se- lection of tenant farmer. Another date of importance is Oct. 1. Indi- ana courts de- cide what date the cropping year ends (In- diana Code does not speci- fy a date), and a recent court ruling found, in the prevail- ing condition for that case, Dec. 31 was the cropping year end. In that case, written no- tice of termination would have to have been provided to the farmer prior to Oct. 1. As court officials become less aware of farming habits, and cover crops and winter cash crops become more preva- lent, the cropping year be- comes more likely to overlap with the calendar year. South- western Indiana is a national leader in cover crop adoption, and we are one of two major areas in Indiana still grow- ing wheat. With harvest now underway, the odds of a new crop being planted on rented ground around Oct. 1 is grow- ing. Certainly, any ground cover will have been planted and be established by Dec. 1. Therefore, farmers and land owners can avoid any possible legal or financial conflicts by having ground for 2022 decid- ed prior to Oct. 1. So, landowners planning to sever relationships with their players need to get that sent in writing as soon as pos- sible. Planning on an Oct. 1 deadline also, ideally, allows agreements to be made prior to the harvest season when more time is available to ne- gotiate. For more information on land leases or contracts, contact Hans Schmitz at the Purdue Extension office via hschmitz@purdue.edu or 812-385 -3491. Area A-6 Wednesday, September 15, 2021 The Press-Dispatch Phone: 812-354-8500 Fax 812-354-2014 E-mail: ads@pressdispatch.net John Heuring Ad Manager 812-789-3671 Pam Lemond Ad Consultant 812-354-8500 Cindy Petty Ad Consultant 812-664-2359 Fall Home Improvement is a subject that many homeowners are concerned with during this time of year. Many homeowners put off their spring and summer projects until later. And now, "later" has finally arrived. The Press-Dispatch will publish a special section targeted to homeowners. It will be published Wednesday, September 29. These sections will be in modular units on full-size pages. Add the Size Price Star-Times Full page $570.00 $409.00 3/4 page $419.00 $307.00 2/3 page $386.00 $273.00 1/2 page $299.00 $204.00 1/3 page $218.00 $136.00 1/4 page $165.00 $102.00 1/6 page $139.00 $78.00 1/12 page $79 $39.00 Deadline is Wednesday, September 22. Repeat youR ad on oct. 6 at half pRice. FREE pRocess coloR is with youR full-page ad $ 70 VALUE Fall Improvement Ninety days of notice About including 'COLA' in benefit projections Down on the Farm By Hans Schmitz, Purdue Educator Social Security Matters By Rusty Gloor Dear Rusty: In your reply to "Confused Senior" about when to claim Social Securi- ty benefits, I noticed that you did not take into account any compounded annual increas- es in benefit payments. While these are not guaranteed and are dependent upon the econ- omy, they do affect the differ- ence in total amount that can be drawn between eligibility age, full retirement age, or age 70. Would you address this? Signed: Stickler for Details. Dear Stickler: We appreci- ate your feedback on that arti- cle. You are correct, of course, that I did not include Cost of Living Adjustments (COL A) in my response to the ques- tion asked, and that was in- tentional. I seldom include fu- ture COL A in these calcula- tions because doing so would mean introducing a specula- tive factor, and I don't like un- certainties when it comes to claiming Social Security. It's not that I can't include COL A, but it's usually easier for peo- ple to grasp the straight (guar- anteed) mathematical compu- tation without adding a vari- able factor which could result in an inaccurate future benefit pro- jection. Historically, COL A increases have ranged from 0 percent to 14 per- cent because CO- L A is tied to infla- tion — a variable determined by an- nual changes to the national Con- sumer Price Index (CPI). If you remember the very high inflation years of the late 70s and very early 80s, those are the years when the highest COL A increases were grant- ed. More recently (but before 2021) inflation has been held to its lowest level in recent history and, accordingly, CO- L A increases have been quite small. No COL A increases at all were granted in 2009, 2010 and 2015, and the increase in 2016 was a paltry 0.3 percent. The average COL A increase over the last 10 years (2011– 2020) was 1.7 percent, and the average over the last 20 years has been 2.2 percent. I've do- ne these com- putations both ways–includ- ing a 2 percent average CO- L A increase and not includ- ing any CO- L A increase– and the result- ing breakeven point for claim- ing at age 70 vs. full retirement age doesn't sig- nificantly change. For clarity, most early pro- jections now suggest that high inflation in 2021 will cause the 2022 COL A increase to exceed 6 percent, far above the aver- age over the past 20 years, fur- ther emphasizing the specula- tive nature of predicting CO- L A. Although the actual fu- ture benefit predictions would be somewhat different with a COL A projection added, those amounts would be conjecture (and "not guaranteed," as you have said). Excluding COL A from such analyses, howev- er, does provide guaranteed amounts and I prefer to use sol- id numbers rather than specu- lative ones. If it turns out that COL A improves their benefit amount and break-even age that will be icing on the cake, but they've made their claim- ing decision based on solid in- formation and guaranteed fu- ture benefit increases. Other feedback from that same article suggested I should have also evaluated an option to claim benefits early and invest them, rather than waiting longer to get a guar- anteed higher Social Securi- ty benefit. Just like trying to predict COL A, predicting in- vestment growth introduces a variable that I'm not com- fortable using when advising about Social Security bene- fits. For that type of specula- tive advice, it would be prudent to seek counsel from a certi- fied financial planner. To submit a question, visit our website (amacfoundation. org/programs/social-securi- ty-advisory) or email us at ss- advisor@amacfoundation.org.