shop online at www.missourivalleyshopper.com October 20, 2015 • Page 11 3 Simple Steps for Saving for College (StatePoint) The overwhelming majority of families agree that college is an important and worthwhile investment, yet fewer than half are saving for it, according to “How America Saves for College 2015,” a recent study by Sallie Mae and Ipsos. Why the reluctance to put aside money for something deemed so important by so many? “One of the greatest obstacles for families to overcome is simply getting started,” says Charlie Rocha, executive vice president, Sallie Mae. “We know those who have a plan and save are more likely to attend college, more likely to graduate, and will do so with less debt.” With a focus on saving, planning and paying for college, the experts at Sallie Mae recommend a 1-2-3 approach. First, open a savings account; second, set a goal and regularly contribute money; and third, explore tax-advantaged savings options. Getting Started College can be expensive these days, so it is never too early to get started -no matter the age of the college-bound student. Open a savings account as soon as possible, earmarked for education. The ideal savings account should have no fees, and be FDIC-insured, offering perks that help you stay motivated, such as no minimum balance, cash back rewards and tools to track goals and share progress. An account specifically designed for college savings, such as the new Upromise GoalSaver, can get families on the right track. It offers a competitive APY and a rewards program that includes cash bonuses, matching rewards and other cash back rewards from more than 850 retail partners. For more information, visit www. UpromiseGoalSaver.com. Goals and Contributions Check out rates of tuition, room and board, and other expenses at the schools of your choice, so you can set realistic goals and target dates for reaching them. Motivation can be derived from progress, so within your savings account consider itemizing smaller benchmarks that are more easily achieved than one lump sum -- such as textbooks, an emergency fund and a living expenses goal or specific savings goals for each child. Applying the old adage, “Set it and forget it,” to your college savings can make saving a habit you don’t have to think about often. You can do so by linking a bank account to your savings fund, like Upromise GoalSaver, to make recurring direct deposits on a monthly or biweekly basis. Some people keep themselves focused on savings by sharing goals over social media. Like losing weight or training for a marathon, research shows that making a goal public is associated with a higher chance of achievement. Some savings accounts even make sharing goals easy. Tax Advantaged Savings Plans After getting started with a simple savings account like Upromise GoalSaver, supplement your savings plan with a tax advantaged savings account, such as Coverdell Education Savings Accounts, prepaid state plans or 529 college savings plans. Such plans can offer such benefits as annual non-deductible contributions so that your account can grow without being subject to federal income taxes. A college education continues to be overwhelmingly important to American families. Don’t limit future possibilities with inaction today. Protect Your Eyes and Health from Harmful “Blue Light” (StatePoint) You already know to protect your eyes from harmful UV-light when you are outdoors. But did you know that another dangerous light emission is all around us -- in our homes, our workplaces and in the palms of our hands? New research is illuminating the dangers of blue light, a high-energy wavelength of light emitted by smartphones, tablets, laptops, LCD flat panel monitors and energy efficient light sources. The majority of the public spends more than half their waking hours exposed to this light, which can contribute to eye strain and fatigue, macular degeneration and sleep disruption. “Ten years is a blink of an eye in terms of human history, but will the last 10 years come to be known as the period that changed our vision and health?” wonders Dr. Gary Morgan a VSP Vision Care optometrist. A whopping 83 percent of VSP eye care professionals reported seeing an increase in symptoms attributable to blue light exposure in their patients, according to a recent survey by VSP. One of those symptoms is eye strain: blue light is myopically defocused in front of the retina, which results in light scatter that we perceive as glare. Working in a highglare environment causes the eyes to work overtime, leading to visual fatigue and strain. But the impact of blue light doesn’t stop there: major university studies have shown that the light can disrupt sleep, interfering with circadian rhythms by suppressing the production of melatonin, a hormone that regulates waking and sleeping. Chronically shifted circadian rhythms have been linked to breast cancer, prostate cancer, diabetes, heart disease and obesity. Children are especially vulnerable to macular damage. Just as most ultraviolet exposure occurs before 18 years of age, the effects of blue light exposure are also more intense in children, since they hold devices in very close proximity to their eyes and are amongst the most active users of blue light sources. “In today’s world, children are looking at screens at home and increasingly also in the classroom,” says Morgan. “There is a growing concern among eye doctors that we’re going to start seeing long-term damage much earlier in life than ever before.” While it would be virtually impossible to escape blue light, as most people rely on it to live, work and play (and it is even emitted from the sun), there are steps you can take to protect yourself. Try to decrease blue light exposure throughout the day, and especially in the evenings. Before bedtime, curl up with a good book instead of your smartphone. Wear protective eyewear at the office or at home when using your digital devices. New lens enhancements for eyeglasses, such as Sharper Image TechShield, can provide a unique defense by absorbing and deflecting incoming blue light to help safeguard the wearer against exposure. More information about the effects of blue light and protection options can be found at vsp.com/sharperimage-techshield-lenses. html. Blue light illuminates our world today. But along with the advantages of blue light come serious concerns. Protect your family’s health now. Interested in this spot? INTERESTED Call 665-5884 t www.mis Call 665-5884 to place your ad here. Interested in this spot? If you read this you know... advertising pays! Call the Missouri Valley Shopper at 665-5884 or stop by to place your ad today! 319 Walnut St. • Yankton Hiring Event TruXedo Inc is seeking assemblers and sewing machine operators for all shifts Oct 20 & 21 10:00 am-12noon • 2 pm-6 pm Candidates must be able to pass a drug test, criminal background check and pre-work screen. 2209 Kellen Gross Dr Yankton, SD 57078 • Phone: 605-664-8200 MV Shopper OPEN Shopper MVCNA POSITIONwith certification Starting Wage UP to $13.00/hr M I S S O U R I VA L L E Y M I S S O U R I VA L L E Y Full or Part-time Good Samaritan Society-Tyndall has a position available for a Certified Nursing Assistant. The position requires excellent oral and written communication skills, the ability to work with others as a team, organization, and the desire for continued learning. Shift differentials offered for evening and night shifts. To join our team, please apply online at www.good-sam.com. For questions, call 605-589-3350. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability or protected veteran status. ...is looking for qualified individuals to join their team. Certified Nursing Assistants Full/Part Time shifts available Interested candidates please call Director of Nursing or Sadie at 605-267-2081 or go online to avera.org and fill out an application RN POSITION OPEN MDS/Medicare Coordinator Full time Good Samaritan Society-Tyndall has a position available for a Registered Nurse. This person would be responsible for MDS assessments, Medicare assessments, care planning and documentation and coordinating therapies. The position requires passion for the elderly, excellent oral and written communication skills, the ability to teach others, organization, the ability to handle multiple projects, and the desire for continued learning. Computer skills required. 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FAX IT 605-6 Missouri Valley Shopper TruXedo, Inc is seeking qualified applicants in Interested for the following position: 216 W this spot? Call 665-5884 to place your ad here. Assembly Supervisor "IN CHRIST'S LOVE, EVERYONE IS SOMEONE" For more information, call Bonnie Vavruska, DNS at 605-589-3350 All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, natonial origin, disability or protected veteran status. Find BIG Savings... When You Place Your Ad In The Classifieds! INTERESTED IN THIS SPOT? This position oversees, coordinates and leads activities of production workers in a fast-paced environment. CALL 665-5884 TO PLACE YOUR AD HERE. Requirements: • 1-3 years supervisory experience required; • Communicate effectively with strong interpersonal skills • Customer driven and quality focused • Ability to lead and motivate employees • Ability to multi-task and achieve established goals • Strong computer skills • Excellent organizational skills www.missourivalleyshopper.com TruXedo offers competitive wages and excellent compensation package, including medical, dental, vision, disability, life, 401(k), profit sharing, paid holidays and PTO Submit letter of interest and resume to TruXedo, Inc, attn: Human Resources, 2209 Kellen Gross Dr, Yankton, SD 57078. Email: jobs@truxedo.com. EOE Ph: 605.664.8200. Fax: 605.664.8391