February 16, 2016 • Page 12 shop online at www.missourivalleyshopper.com Are Your Favorite Restaurants and Stores Going Green? (StatePoint) Some of your favorite restaurant chains and major supermarkets are teaming up with conservation groups and interested citizens to help protect the environment and sustain fisheries long term. Consumers and major chains like McDonalds and Costco are increasingly voic- ing their concerns about sustainability issues that impact the planet and what we put on our family’s plates. You may not realize it, but the largest canyons in the world are not found on land, but actually deep in the ocean off the coast of Alaska. These areas are teeming with marine life significant to the ecosystem and the economy. While out of sight, experts say these important canyons should not be out of mind for families when they make decisions about where to shop and at which chain restaurants they choose to dine. “The fragile corals and sponges in the Bering Sea canyons are valuable habitat, providing food, spawning and nursery zones, and shelter for commercially important fish and crab species and an array of marine life at the base of the food chain,” says Jackie Dragon, senior oceans campaigner at Greenpeace. “When massive and heavy fishing gear comes in The Changing Retirement Landscape: What to Know Now (StatePoint) Previous generations of Americans were able to retire with confidence, knowing that they could count on a steady stream of income from what is often referred to as the “three-legged stool” of company pensions, social security and personal savings. Today, for most workers, the retirement landscape is different: the availability of traditional pensions has plummeted, wage stagnation has dampened how much middle-income savers can set aside, and the level at which Social Security can play a substantial source of future retirement income is in flux. And now experts are warning that many insurance products that replicate the “paycheck for life” provided by traditional pensions are becoming at risk in this new world. Especially threatened, say retirement specialists, are annuities, which have traditionally offered guaranteed lifetime income no matter what happens in the markets. “For millions of Americans with moderate incomes, such guarantees are increasingly necessary to help them prepare for a financially stable retirement that could span several decades,” says Helene Rayder, Vice President at Lincoln Financial Group. However, some retirement insurance experts are concerned that new regulations proposed by the U.S. Department of Labor (DOL) intended to improve customer value by eliminating conflicts of interest between advisors and their clients, could hurt consumers instead. Rayder says the rules could potentially: • Make it economically unviable for commissionbased financial advisors to serve average consumers, forcing individuals to work with more costly pay-based advisors. This will limit the financial advice many middle class savers rely on today. • Reduce the choice of retirement products savers have in planning, potentially eliminating middle class savers from choosing commission-based accounts. • Deter financial planners from offering annuities, and as a result savers will pay more and get less over the long term. • Could cost families billions more instead of helping them save. A recent report published by Economists Incorporated says the cost could be as much as $80 billion nationwide. To learn more, visit Lincoln Financial Group’s page www.MyRetirementChoice. org, which provides information about the rule. “While well-intended, the rule’s one-size-fits-all approach will negatively impact middle class savers,” says Rayder. “Americans can get involved by encouraging the DOL to change its rule, and ask their congressional representatives to make the same request of the Administration.” contact with slow-growing, fragile corals and sponges, the fishing gear wins, and the ecosystem loses.” Fishery managers on the east coast have already taken measures to restrict bottom-contact fishing in areas that contain known deep-sea coral or sponge communities, a policy aligned with guidance from the National Oceanic and Atmospheric Administration. However, efforts to enact such measures in the highly productive, so-called “Green Belt” in the Bering Sea have proven controversial, and have been vocally opposed by fishing group lobbyists. “The Bering Sea is America’s ‘fish basket’ and it makes sense to protect the ecosystem that puts food on our supermarket shelves,” says Dragon. “Alaska has a reputation for having the finest fisheries management, but on this issue they need to catch up with fisheries on the east coast.” More than a dozen of the largest supermarket chains and seafood buyers, including Safeway, McDonalds and Costco have joined conservation groups and hundreds of thousands of citizens in urging fishing restrictions that scientists say would protect these ecosystems, helping to sustain the fisheries long term. More about these efforts can be found at www.BeringSeaCanyons.org. Greenpeace recently released its 9th annual Carting Away the Oceans report, which gives consumers a look into how their local supermarkets are scoring on sustainable seafood. Learn where your supermarket stands on protecting the Bering Sea canyons here: www.greenpeace.org/usa/ research/carting-away-theoceans-2015. “This is the first time that supermarkets and big buyers of fish fillets have ever brought their substantial weight to bear on these policy decisions” says Dragon. “Consumers can make an impact by shopping at stores and eating in restaurants that support sustainable fishing.” Interested in this spot? INTERESTED Call 665-5884 to place your ad here. www.miss Let Our Interested Family Business keep yours in in the gothis with: www.miss Call 665-5884 t spot? • Farm Filters • Hydraulic Hoses • Bearings & Seals Cox Auto 1007 Broadway Ave. • Yankton • 665-4494 www.miss Call 665-5884 to place your ad here. Interested in this spot? Visi www.miss Call 665-5884 to place your ad here. 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