June 23, 2015 • Page 2 shop online at www.missourivalleyshopper.com Dave Says July 2015 Climate Motivations For A Budget Forecasts a Cool, Wet July BY DAVE RAMSEY Dear Dave, My wife and I are in our twenties. We have no debt and $50,000 in the bank. Our income is $90,000 a year, and we’re cautious to live on less than we make. Still, we can’t seem to get motivated to make a budget. How can we get inspired to do this? —Isaac God calls us to manage well the resources He gives us, so that we’re able to do good things for His kingdom and His people. Broke people can’t give, so my advice would be to use your talents and resources for the good of others. —Dave three to six months of expenses, and on a household income of $55,000, holding $20,000 in reserve would be a lot. If you kept $15,000 in the bank, that would leave you with $15,000. If you’re talking about a $30,000 upgrade, you’d only need to save up another $15,000. See where I’m going with this? With a little patience and planning, you can have your upgrade in the not-too-distant future and still have the peace of mind that goes with knowing you have a reasonable emergency fund sitting in the bank! —Dave BROOKINGS, S.D. - As El Nino increases in strength this summer, its impacts on our summer conditions in North America are becoming evident, said Laura Edwards, SDSU Extension Climate Field Specialist, referencing the latest climate Dave outlook from National Oceanic Atmospheric Administration’s (NOAA) Climate Prediction Center. “The July outlook indicates increased likelihood of cooler and wetter conditions throughout South Dakota this July,” Dear Isaac, Edwards said. “These temperature and precipitation projecTwo of the biggest motivators we tions strongly reflect a summertime El Nino pattern over have are pain and pleasure. Financially, North America.” RV UPGRADE you guys don’t have any pain. You’re The outlook indicates that throughout the central states Dear Dave, killing it! So, we’re going to have to - including South Dakota - cooler than median temperatures Dave Ramsey is America’s trusted My husband and I work and live in figure out something associated with voice on money and business. He has au- are favored in the month ahead. “In addition to El Nino, this an RV. The vehicle is paid for, and I’d temperature outlook is also a response to the very wet soils pleasure. thored five New York Times best-selling like to upgrade to a larger one, but that I think you need to look for somebooks. The Dave Ramsey Show is heard and ample rainfall that has fallen in this region over the last several weeks, which tends to reduce the high temperatures would mean taking out a $30,000 loan. thing bigger than money to push you. by more than 8.5 million listeners each in the summer season,” Edwards said. We have $30,000 in savings, includYou guys need to ask yourselves, “What week on more than 550 radio stations. In South Dakota, the median temperatures for July range ing our emergency fund, and we make are we saving for?” On a bigger scale, Dave’s latest project, EveryDollar, profrom the low 80s in the northeast, to upper 80s across most $55,000 a year. What are your thoughts? vides a free online budget tool. Follow ask yourselves, “What can we do with of the south and west for highs. Median lows are in the upper —Renee this money?” 50s in the northwest to lower 60s in the southeast. Dave on Twitter at @DaveRamsey and Most of the Rocky Mountain region and the central states It sounds to me like you both realize on the web at daveramsey.com. Dear Renee, are favored to be above median for precipitation in July. money can’t be the goal. And that’s I think what you’re doing with your “There is strong consensus in the forecast models for this a good thing. You guys are obviously precipitation signal, according to the Climate Prediction lives is kind of cool. But I can’t advise smart, gifted people. I’m sure you have Center,” said Dennis Todey, SDSU Extension Climate Specialist financing something that will go down ideas and goals, dreams and desires. and South Dakota State Climatologist. in value as quickly as an RV. I wouldn’t Talk about them and write them down. 90 percent likely to continue even do it on the basis that it’s going to By doing this, you’ll be taking the first Todey added that a recent update on the El Nino condibe your primary residence. steps toward making these things realtions, from NOAA Climate Prediction Center, stated that El Let’s look at things from a different Nino is 90 percent likely to continue through the fall season, ity. When you have something specific angle. First of all, I think your emerand 85 percent likely to continue or intensify into the winter. that you want money to do, it gives you gency fund is a little high. I recommend “This may sound like a bold prediction, however many clia reason to make it behave. mate models have been accurately forecasting the temperature and precipitation over the last couple of months,” Todey said. “There is some confidence that the long-range climate models may have now captured how the sea surface temperatures in the Pacific Ocean will impact our climate for the rest of the year.” For much of South Dakota, El Nino in the summer season To all of the volunteers, organizations, guests, generally tends to be wetter and cooler, particularly in July residents, returning residents, our neighboring and August. The Climate Prediction Center outlook is consiscommunities and anyone who assisted in tent with that climatology. TREE TRIMMING, REMOVALS & TRANSPLANTING Looking ahead to the next three months (July-September), making our Czech Days celebration a success. TREES FOR SALE South Dakota looks to be wetter than average. In the same peEVERGREEN • SHADE • ORNAMENTAL riod, Todey explained that the area most likely to experience Your generosity and dedication cooler temperatures is concentrated to the Central Plains and Yankton 605-260-1490 are greatly appreciated. the heart of the Mississippi River Valley region. “As a result, Hartington 402-254-6710 South Dakota is currently projected to have equal chances Serving Southeast SD & Northeast NE for 20 Years Tabor Czech Days Committee and of below, above or near median temperature in the next 90 Kent & Kyle Hochstein • Licensed Arborists days,” he said. www.hartingtontree.com Tabor Chamber of Commerce What El Nino means to South Dakota crops For croplands, pastures, yards and gardens, the El Nino summer season ahead may mean less heat stress than average, Edwards explained. “There is ample moisture currently in most of the soils and a continuation of the rainfall pattern like the one we have seen over the last few weeks will reduce drought or water stress as well,” she said. Combined with the likely cooler conditions crop water use should be reduced. Disease issues, like stripe rust, have already become apparent in many wheat fields, and given the higher humidFor Big Squares, ity and moisture in the atmosphere, Edwards said scouting fields will be increasingly important. “Growers may also be 14’x54’, 25’x54’, 33’x54’ more concerned about weeds, as the recent wet conditions have made some field work difficult for pesticide application,” she said. “A few warm, dry days are all a weed needs to grow Core Power quickly, and frequent scouting is suggested.” Call 665-5884 to CGT-400 Trimmer UTV Field ad here. Boss With this much moisture high stress conditions for liveplace your stock could appear periodically because of higher dew point, Cordless Electric Power Heavy Duty Your UTV Sprayer even with less extreme high air temperatures. has arrived! 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