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TWINE We’ll meet or beat all advertised prices Managing Money (StatePoint) Many college-bound students and their families underestimate the cost of college. Indeed, 31 percent of students who left school without completing a degree reported they did so due to financial reasons, according to recent National Center for Education statistics. Beyond rising tuition rates, there are many expenses to consider -- books, class materials, room and board, cell phone plans, and incidentals -- to name a few. With nationwide student debt at $1.3 trillion and growing, according to the National Student Loan Debt Clock, the importance of financial planning and establishing good money habits can’t be overstated. Students can more confidently take on college and beyond with these helpful tips from the “Get College Ready” experts at Wells Fargo: Paying for College The first step all students should take toward funding college is to complete the Free Application for Federal Student Aid (FAFSA). Then, use free resources to investigate other funding. Some of the best scholarships can be found on sites like tuitionfundingsources. com, the largest database of scholarships in the US. It’s also helpful to know how much money you’ll need. Most school websites offer a net price calculator that can help you arrive at a realistic estimate. If necessary, look into Federal Direct PLUS loans, which can cover up to 100 percent of remaining education-related costs. “College-bound students and their families should review grants, scholarships, and loans from a wide variety of sources,” says John Rasmussen, head of Wells Fargo’s Personal Lending Group, which is also the nation’s second largest private student lender among US banks. “After making careful comparisons, they should borrow only what they need.” A handful of private student lenders defer loan repayments until after students leave school. In the case of Wells Fargo, this date begins a full six months later -- and if new graduates need time to find a job -- the bank can extend the repayment start date up to a year. Cost-saving opportunities exist whereby students can consolidate loans or refinance into loans with a lower interest rate. These actions can help students Young people can leverage their technology confidence to manage money by signing up for mobile banking and then setting up account alerts to avoid overdrafting. Online budgeting and expenditure-tracking tools can help students form sound financial habits and monitor savings. finding the right job is easier than you think when you’ve got the right direction said Peter Nielson, SDSU Extension 4-H Youth Development Program Director. These funds will be utilized to reduce or eliminate exhibit registration fees at select state 4-H events. Exhibit registration fees are only one component of a 4-H member’s participation costs. Nielson explains that some usage or supply fees from other organizations or facilities remain. 2016 State 4-H exhibit registration fees Buy • Sell • Trade Quality... USED Cars, Brian & Jean DeGroot, Owners 802 Broadway, Yankton, SD Stop searching. The Help Wanted section of the Missouri Valley Shopper lists many possible new job opportunities. Find a career that’s right for you. Trucks, Campers, Boats & Consignments 665-1596 www.bridgecityautoyankton.com IMPROVE WORKING CONDITIONS FOR YOUR FEET. FREE SOCKS SALE! MV Shopper Boston Shoes to Boots MV Shopper Always LOW In stock. 6” & 8” styles. Up to 4E wide & size 15 in stock. Available in Safety & Non-Safety Toe. M I S S O U R I VA L L E Y 16000 Sisal.....................$32.95 20000 Plastic..................$21.95 Biodegradable - 20K. . . . . .$22.95 67” x 7000 Net Wrap.........$220 Big Square Plastic 350 and 440 IN STOCK * Pallet Qty Discounts * Truckload Pricing Great Guard Prices! 9ft. Balanced Head Mower Sickles $79.95 Finger Wheel Rake Parts Baler Belting 319 Walnut • Yankton, SD Everything for Hay!! 605.665.5884PARTS DISC MOWER Mark’s Machinery Inc. 3211 East Hwy. 50 Yankton, SD 57078 605-665-4540 800-526-8095 Two locations to serve you! 745 E. Hwy .46 Wagner, SD 605-384-3681 800-693-1990 www.marksinc.com HAY EQUIPMENT ©2009 CNH Capital America LLC. All fights reserved. CNH Capital and Case IH registered trademarks of CNH America LLC. Printed in the USA Building Credit Good credit gives you more financial freedom and choices down the road. Start building good credit while you’re still in school. Pay bills on time, don’t open too many lines of credit and keep balances low. Whenever possible, pay more than the minimum each month. Check your credit history often. Free resources that can help you plan for college can be found at wellsfargo.com/ getcollegeready. Are you ready for college? Preparation is about more than test-taking and achieving solid grades -- it also means preparing financially for the next four years and beyond. Legislature Allocates $50,000 to SDSU Extension 4-H Youth Development BROOKINGS, S.D. - The 91st South Dakota Legislative Session allocated $50,000 to SDSU Extension’s 4-H Youth Development program to assist with reducing or eliminating exhibit registration fees in 2016. “Everyone in 4-H thanks our Legislators, particularly Senator Larry Tidemann and Senator Jim White, for recognizing the value this organization brings to South Dakota youth and families,” • Full-Time • Part-Time Guards•- Permanent Sickles - Sections • Case Temporary • IH • IH • Hesston • Hew Holland • McDon – Round Baler – For many students, college is an opportunity to manage money for the first time. Fortunately, students today have financial planning tools that previous generations did not enjoy. Fit Most Makes will be waived at the S.D. State Fair and State 4-H Dog Show. 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Hwy. 50 Yankton, SD Locally Owned Since 1972 605-665-4540 Two Locations to Serve You 800-526-8095 16.35 $ Find “Chef Porky” Inside The Missouri Valley Shopper And Enter Our Weekly Drawing! Mail/Drop Off To: Chef Porky Contest 319 Walnut St., Yankton, SD 57078 Name________________________________________ Address______________________________________ E-mail address_________________________________ Entry Form Must Be Received By 5PM On Thursdays Gift Certificate 745 E. Hwy 46 Wagner, SD 605-384-3681 800-693-1990 Phone________________________________________ Chef Porky was on page________________ 319 Walnut St., Yankton Multiple entries from one party will not be accepted. Employees and their immediate families of Missouri Valley Shopper or any of its’ subsidiaries are not eligible to enter.