Skip to main content

You Can’t Control the Future – But You Can Prepare for It

08/19/2014 10:03PM, Published by Hood Magazine, Categories: Finance, Family, Parenting, Today


Photo courtesy of Kristi Shanks Photography



By Mary Schilling, LUTCF, Financial Services Professional  

Image title


Whether you’re a parent planning for a child’s education or a small business owner poised for growth, one thing is certain – there’s not much you can do to control the future. The good news is, there’s plenty you can do to prepare for it.

Believe it or not, life often follows a fairly predictable path. While there may be occasional detours along the way, we generally know what lies ahead. Marriage, children, homeownership and retirement are events most of us will share. How well we handle these events is often a matter of planning.

Take something as inevitable as death. We all know it’s coming – the only real question is when. If it comes too early, it could pose significant financial challenges for your family. That’s where term life insurance can help.

Term life insurance offers young families and those on a budget an affordable way to protect their future. Term life insurance provides quality, dependable coverage for a specific period of time. Depending on the amount of coverage you select, these policies can help make sure your family will have the money needed to keep a roof over their heads, pay for college, or simply meet all of their day-to-day responsibilities. And, as your financial circumstances change in the future, a term policy can often be upgraded to permanent life insurance, which can provide a lifetime of protection and peace of mind.

While we may not be able to predict every moment the future has in store, it makes sense to prepare for the ones we can. And with term life insurance, it may be more affordable than you realize. 




planning future


  • Butterfly House Yoga

    01/22/2017
    10:00AM — 10:50AM

    Bring your yoga mat for a one-hour session in the warm, lush Butterfly House. It's a peaceful, se...


  • Crafternoon Storytime

    01/22/2017
    02:00PM — 02:30PM

    Featuring stories, songs and a craft for families with children ages 2 to 6.


  • Little All Stars

    01/23/2017
    09:00AM — 09:50AM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • Reading Day

    01/23/2017
    10:00AM — 10:30AM

    All ages welcome! 10 am and 2 pm.


  • Latches

    01/23/2017
    06:30PM — 08:00PM

    Breastfeeding takes a village. Nourish your baby in a safe, comfortable place, surrounded by your...


  • Toddler Time

    01/24/2017
    09:30AM — 11:30AM

    If they can walk, they can jump! Toddler Time at Sky Zone is a special time just for the little o...


  • Storytime Tuesdays

    01/24/2017
    10:00AM — 10:30AM

    Bring your kids to a storytime every Tuesday at Child's Play Toys. It starts off with a few songs...


  • Lapsit

    01/24/2017
    10:30AM — 11:05AM

    Delight and stimulate your baby with songs, stories and playtime. Get to know other families and ...


  • Kindergarten Round Up

    01/24/2017
    06:30PM — 07:30PM

    Giddy Up and join us for Kindergarten Round Up at Sioux Falls Lutheran School! - Christ Centere...


  • Babywearing 102 (SF Babywearers)

    01/24/2017
    06:30PM — 08:00PM

    Designed for more advanced babywearers, this support group will help guide babywearers in more ad...


  • STOMP

    01/24/2017
    07:30PM — 10:00PM

    STOMP is explosive, inventive, provocative, witty, and utterly unique—an unforgettable experience...


  • Little All Stars

    01/25/2017
    09:00AM — 09:50AM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • Family Storytime

    01/25/2017
    10:30AM — 11:00AM

    Stimulate early learning with books, rhymes, music and movement at this drop-in program.


  • Milk Monologues

    01/25/2017
    01:00PM — 02:00PM

    Join Shelly (CLC) or Sarah if you are the mom of a non-mobile nursing baby. One of them will be a...


  • Food is Good Medicine

    01/25/2017
    05:00PM — 06:00PM

    Food is Good Medicine Healthy food makes healthy people! Join us for a cooking series focusing o...


  • STOMP

    01/25/2017
    07:30PM — 10:00PM

    STOMP is explosive, inventive, provocative, witty, and utterly unique—an unforgettable experience...


  • Toddler Time

    01/26/2017
    09:30AM — 11:30AM

    If they can walk, they can jump! Toddler Time at Sky Zone is a special time just for the little o...


  • Little All Stars

    01/26/2017
    10:00AM — 10:50AM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • New Baby & Me

    01/26/2017
    01:30PM — 03:30PM

    This group for new moms and their babies meets weekly. Moms can join in open discussion on topics...


  • Family Storytime

    01/27/2017
    10:30AM — 11:00AM

    Stimulate early learning with books, rhymes, music and movement at this drop-in program.


  • Marty DeWitt Folk, Farm, & Family


  • Little All Stars

    01/27/2017
    06:30PM — 07:20PM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • Space School Musical

    01/27/2017
    07:00PM — 09:00PM

    Location: Edith Mortensen Theatre, Augustana University This all-abilities children's musical wa...


  • Space School Musical

    01/27/2017
    07:00PM — 08:00PM

    This is the Center for the Arts sixth all-abilities production and the third children’s musical! ...


  • Butterfly House Tai Chi

    01/28/2017
    09:00AM — 10:00AM

    If you are looking for a way to reduce stress, consider tai chi (TIE-CHEE). Tai chi is a graceful...


  • Little All Stars

    01/28/2017
    09:00AM — 09:50AM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • Family Storytime

    01/28/2017
    11:00AM — 11:35AM

    Stimulate early learning with books, rhymes, music and movement at this drop-in program.


  • Bookworms Reading Program

    01/28/2017
    01:00PM — 02:00PM

    Bookworms Reading Program in the KELOLAND Education Center at the Great Plains Zoo. Join local ce...


  • Saturday Cookie Decorating Days

    01/28/2017
    02:00PM — 04:30PM

    Call us by Friday 605-978-0991 and you can come in and decorate cookies on Saturday! We do cookie...


  • Butterfly House Yoga

    01/22/2017
    10:00AM — 10:50AM

    Bring your yoga mat for a one-hour session in the warm, lush Butterfly House. It's a peaceful, se...


  • Crafternoon Storytime

    01/22/2017
    02:00PM — 02:30PM

    Featuring stories, songs and a craft for families with children ages 2 to 6.


  • Little All Stars

    01/23/2017
    09:00AM — 09:50AM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • Reading Day

    01/23/2017
    10:00AM — 10:30AM

    All ages welcome! 10 am and 2 pm.


  • Latches

    01/23/2017
    06:30PM — 08:00PM

    Breastfeeding takes a village. Nourish your baby in a safe, comfortable place, surrounded by your...


  • Toddler Time

    01/24/2017
    09:30AM — 11:30AM

    If they can walk, they can jump! Toddler Time at Sky Zone is a special time just for the little o...


  • Storytime Tuesdays

    01/24/2017
    10:00AM — 10:30AM

    Bring your kids to a storytime every Tuesday at Child's Play Toys. It starts off with a few songs...


  • Lapsit

    01/24/2017
    10:30AM — 11:05AM

    Delight and stimulate your baby with songs, stories and playtime. Get to know other families and ...


  • Babywearing 102 (SF Babywearers)

    01/24/2017
    06:30PM — 08:00PM

    Designed for more advanced babywearers, this support group will help guide babywearers in more ad...


  • Kindergarten Round Up

    01/24/2017
    06:30PM — 07:30PM

    Giddy Up and join us for Kindergarten Round Up at Sioux Falls Lutheran School! - Christ Centere...


  • STOMP

    01/24/2017
    07:30PM — 10:00PM

    STOMP is explosive, inventive, provocative, witty, and utterly unique—an unforgettable experience...


  • Little All Stars

    01/25/2017
    09:00AM — 09:50AM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • Family Storytime

    01/25/2017
    10:30AM — 11:00AM

    Stimulate early learning with books, rhymes, music and movement at this drop-in program.


  • Milk Monologues

    01/25/2017
    01:00PM — 02:00PM

    Join Shelly (CLC) or Sarah if you are the mom of a non-mobile nursing baby. One of them will be a...


  • Food is Good Medicine

    01/25/2017
    05:00PM — 06:00PM

    Food is Good Medicine Healthy food makes healthy people! Join us for a cooking series focusing o...


  • STOMP

    01/25/2017
    07:30PM — 10:00PM

    STOMP is explosive, inventive, provocative, witty, and utterly unique—an unforgettable experience...


  • Toddler Time

    01/26/2017
    09:30AM — 11:30AM

    If they can walk, they can jump! Toddler Time at Sky Zone is a special time just for the little o...


  • Little All Stars

    01/26/2017
    10:00AM — 10:50AM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • New Baby & Me

    01/26/2017
    01:30PM — 03:30PM

    This group for new moms and their babies meets weekly. Moms can join in open discussion on topics...


  • Family Storytime

    01/27/2017
    10:30AM — 11:00AM

    Stimulate early learning with books, rhymes, music and movement at this drop-in program.


  • Marty DeWitt Folk, Farm, & Family


  • Little All Stars

    01/27/2017
    06:30PM — 07:20PM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • Space School Musical

    01/27/2017
    07:00PM — 09:00PM

    Location: Edith Mortensen Theatre, Augustana University This all-abilities children's musical wa...


  • Space School Musical

    01/27/2017
    07:00PM — 08:00PM

    This is the Center for the Arts sixth all-abilities production and the third children’s musical! ...


  • Butterfly House Tai Chi

    01/28/2017
    09:00AM — 10:00AM

    If you are looking for a way to reduce stress, consider tai chi (TIE-CHEE). Tai chi is a graceful...


  • Little All Stars

    01/28/2017
    09:00AM — 09:50AM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • Family Storytime

    01/28/2017
    11:00AM — 11:35AM

    Stimulate early learning with books, rhymes, music and movement at this drop-in program.


  • Bookworms Reading Program

    01/28/2017
    01:00PM — 02:00PM

    Bookworms Reading Program in the KELOLAND Education Center at the Great Plains Zoo. Join local ce...


  • Saturday Cookie Decorating Days

    01/28/2017
    02:00PM — 04:30PM

    Call us by Friday 605-978-0991 and you can come in and decorate cookies on Saturday! We do cookie...


  • Butterfly House Yoga

    01/29/2017
    10:00AM — 10:50AM

    Bring your yoga mat for a one-hour session in the warm, lush Butterfly House. It's a peaceful, se...


  • Crafternoon Storytime

    01/29/2017
    02:00PM — 02:30PM

    Featuring stories, songs and a craft for families with children ages 2 to 6.


  • Little All Stars

    01/30/2017
    09:00AM — 09:50AM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • Toddler Time

    01/31/2017
    09:30AM — 11:30AM

    If they can walk, they can jump! Toddler Time at Sky Zone is a special time just for the little o...


  • Storytime Tuesdays

    01/31/2017
    10:00AM — 10:30AM

    Bring your kids to a storytime every Tuesday at Child's Play Toys. It starts off with a few songs...


  • Lapsit

    01/31/2017
    10:30AM — 11:05AM

    Delight and stimulate your baby with songs, stories and playtime. Get to know other families and ...


  • Little All Stars

    02/01/2017
    09:00AM — 09:50AM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • Family Storytime

    02/01/2017
    10:30AM — 11:00AM

    Stimulate early learning with books, rhymes, music and movement at this drop-in program.


  • Milk Monologues

    02/01/2017
    01:00PM — 02:00PM

    Join Shelly (CLC) or Sarah if you are the mom of a non-mobile nursing baby. One of them will be a...


  • Babywearing Basics (SF Babywearers)

    02/01/2017
    06:30PM — 08:00PM

    Monthly on the first Wednesday


  • Toddler Time

    02/02/2017
    09:30AM — 11:30AM

    If they can walk, they can jump! Toddler Time at Sky Zone is a special time just for the little o...


  • Little All Stars

    02/02/2017
    10:00AM — 10:50AM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • Toddler Art Shape

    02/02/2017
    10:15AM — 11:00AM

    Toddler Art: Shape Celebration. Let’s talk about triangles, circles and squares! Learn about the ...


  • New Baby & Me

    02/02/2017
    01:30PM — 03:30PM

    This group for new moms and their babies meets weekly. Moms can join in open discussion on topics...


  • Family Storytime

    02/02/2017
    07:00PM — 07:30PM

    Stimulate early learning with books, rhymes, music and movement at this drop-in program.


  • Do you know your numbers?

    02/03/2017
    07:00AM — 07:00PM

    Get screened and enjoy a selection of health related booths and presentations. Health screenings...


  • Family Storytime

    02/03/2017
    10:30AM — 11:00AM

    Stimulate early learning with books, rhymes, music and movement at this drop-in program.


  • Free First Friday

    02/03/2017
    05:00PM — 08:00PM

    Join us for Free First Fridays, whether you are new to the area, new to the Pavilion, or even a r...


  • Pavilion Free First Fridays

    02/03/2017
    05:00PM — 08:00PM

    Join us for Free First Fridays, whether you are new to the area, new to the Pavilion, or even a r...


  • Little All Stars

    02/03/2017
    06:30PM — 07:20PM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • Open Gymnastics

    02/03/2017
    07:00PM — 09:00PM

    Need a little extra time to practice? Open Gymnastics is class time for gymnasts to practice and ...


  • Mall Walk

    02/04/2017
    08:00AM — 12:00PM

    Walk ‘N Roll for LifeScape on this first Saturday morning in February! Festivities start at 8:00,...


  • Butterfly House Tai Chi

    02/04/2017
    09:00AM — 10:00AM

    If you are looking for a way to reduce stress, consider tai chi (TIE-CHEE). Tai chi is a graceful...


  • Little All Stars

    02/04/2017
    09:00AM — 09:50AM

    -Ages: Walking - 6 years -10 punches per card -Cards do not expire


  • Birthing with Confidence: All Day Session

    02/04/2017
    09:00AM — 04:00PM

    The All Day Session is designed for the family with a busy schedule. It is a condensed version of...


  • Babywearing 101

    02/04/2017
    09:30AM — 10:30AM

    Monthly on the first Saturday


  • Cloth Diapering 101

    02/04/2017
    09:30AM — 10:30AM

    Monthly on the first Saturday


  • Lapsit

    02/04/2017
    09:30AM — 10:00AM

    Help your baby develop listening and language skills with songs, stories and playtime. Get to kno...


  • Mall Walk

    02/04/2017
    09:30AM — 10:15AM

    Festivities start at 8:00 a.m. with aerobics warm-up at 9:15. The walk starts at 9:30. Sponsored ...


  • Saturday Science Club

    02/04/2017
    10:30AM — 12:00PM

    Join us as we engineer a new Zoo exhibit! Discover how we use science and math to balance the nee...


  • Family Storytime

    02/04/2017
    11:00AM — 11:35AM

    Stimulate early learning with books, rhymes, music and movement at this drop-in program.


  • Bookworms Reading Program

    02/04/2017
    01:00PM — 02:00PM

    Bookworms Reading Program in the KELOLAND Education Center at the Great Plains Zoo. Join local ce...


  • Breastfeeding 101

    02/04/2017
    01:00PM — 02:00PM

    Monthly on the first Saturday


  • Saturday Cookie Decorating Days

    02/04/2017
    02:00PM — 04:30PM

    Call us by Friday 605-978-0991 and you can come in and decorate cookies on Saturday! We do cookie...


  • Decadence in Chocolate

    02/04/2017
    07:00PM — 09:00AM

    Plan to spend your evening with us for wine, chocolate, and dancing to raise money for our 19 pro...


  • Butterfly House Yoga

    02/05/2017
    10:00AM — 10:50AM

    Bring your yoga mat for a one-hour session in the warm, lush Butterfly House. It's a peaceful, se...


  • Wibit Events-Wiggle Bridge

    02/05/2017
    12:00PM — 05:00PM

    What is a Wibit®? A Wibit® is an inflatable water feature that can be used in the water to create...


  • Crafternoon Storytime

    02/05/2017
    02:00PM — 02:30PM

    Featuring stories, songs and a craft for families with children ages 2 to 6.



Image title

Image title