5 2 4 6 5 6 4 8 9 5 October 18, 2016 • Page 10 3 6 4 2 4 5 3 1 4 9 1 6 4 9 5 Want your business 3 5 9 6 to be seen? 2 Get 7 9 1 7 5 your display ad here! 4 8 9 3 2 7 7 3 2 3 8 5 2 More Parents Saving More Money for College Call 605-665-5884 Or Drop By At 319 Walnut St. 7 6 8 1 9 7 5 3 1 shop online at www.missourivalleyshopper.com 8 (StatePoint) The number of parents saving for college and the M I S S O U R I VA L L E Y amounts they are saving are both © 2008 KrazyDad.com © 2008 KrazyDad.com at four-year highs, according to “How America Saves for College 2016,” a recent national study by Fill the puzzle so that every row, every column, and every Sallie Mae and conducted by Ipsos. section contain the numbers 1-9 withoutRrepeating a number. M I S S O U I VA L L E Y Sudoku #4 The new report reveals that 57 percent of today’s parents are sav9 2 1 8 4 ing for college, up from 48 percent in 2015, and the average amount 5 4 4 5 9 7 1 saved is $16,380, up from $10,040 2 6 7 5 4 3 the year prior. In this climate of increased sav3 1 2 4 ings, over half of all parents feel meet 9 Answers 6 4 1 5 7 2 Puzzlesconfident they’ll be able to majority college costs, and the vast Book 62: Challenging Sudoku by KrazyDad of parents who have set a savings 1 Sudoku #1 7 3 9 Sudoku #2 goal are confident they’ll meet 8 5 3 1 6 4 7 2 9 1 5 3 9 6 7 2 8 4 6 7 2 2 3 8 1 4 5 9 8 8 7 2 9 7 3 4 8 6 5 1 their goal. 2 1 4 7 9 5 6 3 8 8 4 6 5 1 2 9 3 7 “These higher levels of opti7 6 1 9 8 2 3 5 4 3 1 5 8 9 4 7 6 2 3 9 5 4 1 917 6 2 66 2 7 3 7 5 4 8 mism, confidence, and savings 9 1 3 2 8 correspond with other economic 7 8 4 6 2 5 1 9 3 4 9 5 3 7 6 2 8 1 6 3 24 7 9 8 2 6 trends we’re seeing, such as 5 3 1 1 8 6 4 2 3 5 9 7 © 2008 KrazyDad.com © 7 KrazyDad.com 9 4 2 6 5 7 8 1 3 6 2008 8 5 3 EASY EA BOOK262 #44 1 9 declines in unemployment and 4 2 9 1 8 6 3 7 5 5 3 7 8 1 9 4 6 2 increased optimism about the Last Tuesday’s economy among the U.S. public,” Solution Sudoku #3 Sudoku #4 says Julia Clark, senior vice presi3 7 5 1 4 9 6 8 5 2 7 1 9 6 8 3 4 KRAZYDAD.COM/PUZZLES 2 7 5 dent, Ipsos Public Affairs. 9 6 1 8 2 3 4 6 1 3 2 8 4 9 5 7 8 4 2 6 5 7 9 1 3 9 8 4 5 7 3 6 1 2 Here are some of the reports 7 9 5 3 6 1 4 2 8 © 20085 9 6 3 1 2 7 8 4 KrazyDad.com key findings: 1 6 8 4 2 9 3 7 5 7 8 4 9 6 5 1 3 2 Millennials Most Committed 1 2 3 7 paper 5 9 4 3 2 8 5 7 1 9 6 Check next Tuesday’s 8 4 6 for Millennial parents -- age 35 or 2 5 9 6 3 8 7 4 1 the solution 6 5today’s puzzle. 7 to 9 2 3 1 8 4 4 1 7 5 9 8 3 2 6 younger -- feel more confident than 3 4 6 7 1 2 5 8 9 3 8 7 1 9 4 5 2 6 3 CH BOOK 62 2#3 8 4 7 6 5 9 1 other generations about meeting college costs, and they’re more Sudoku #5 Sudoku #6 committed to saving for college. 2 8 7 3 9 1 6 5 4 2 3 1 6 5 9 7 8 4 More Millennials are saving (65 6 9 4 7 8 3 5 2 1 5 6 3 2 7 4 1 8 9 percent, vs. 50 percent of Gen X 8 7 5 1 2 4 6 3 9 1 9 4 8 5 6 7 2 3 9 4 Wanted: 6 5 2 7 1 3 8 1 2 6 9 3 5 8 4 7 parents and 61 percent of Baby 3 8 7 4 1 2 9 6 5 3 7 1 6 8 5 9 4 2 Boomer parents), and Millennials •8 Old4 Cars 1 7 6 5 9 2 3 4 5 9 8 6 7 3 1 2 have saved more money ($20,155, • Farm4 Machinery 7 2 6 3 8 5 9 1 5 6 2 3 9 1 4 7 8 MV Shopper MV Shopper su do ku Gubbels salvaGe 3 5 1 6 9 2 7 8 •4Irrigation Systems 8 1 Any Type 4of 6 3 •9 5 2 7 Scrap Iron Sudoku #7 •2Grain 8 6 Removal Bin 1 3 4 5 7 9 Paying 4 1 6 5 3 8 2 Top7Dollar9 4 6Will5 Pick Up 7 8 1 9 3 2 1 2 7 8 9 5 3 4 8 1 6 9 3 7 8 9 4 6 1 5 6 3 2 4 2 1 7 8 7 9 5 6 5 4 3 2 6 5 4 9 3 2 7 8 1 5 9 6 4 2 3 8 1 7 7 1 8 5 4 6 2 9 3 9 4 3 2 7 8 1 5 6 Towing Service Sudoku #8 & Roll-Off Dumpsters6Available 8 2 4 3 9 1 5 1 7 8 4 2 on average, vs. $12,428 for Gen Xers and $18,323 for Baby Boomers). When it comes to paying for college, a greater percentage of Millennial parents believe the parent should be solely responsible compared to their Gen X and Baby Boomer counterparts. More 529 College Savings Plans While use of 529 college savings plans among parents rose to 37 percent, up from 27 percent the prior year, these tax-advantaged plans still lag far behind general savings accounts, despite the fact that those who use 529 plans save roughly 25 percent more, on average. More Parents Making Plans The proportion of parents with a plan to pay for college rose to 51 percent in 2016, up from 42 percent in 2015. Parents with a plan save significantly more: $18,389, on average, compared to the $10,468 reported by parents without plans. Additionally, nearly three-quarters of parents agree that students are more likely to attend college if they know savings have been set aside for them. “Preparing for college requires significant personal and financial commitment, and it’s gratifying to see so many parents, and especially younger parents, taking proactive measures to make college possible,” says Raymond J. Quinlan, chairman and CEO, Sallie Mae. The full “How America Saves for College 2016” report and a related infographic are available at SallieMae.com/HowAmericaSavesForCollege. Join the conversation at Facebook.com/SallieMae or #HowAmericaSaves. If your family is currently saving for college or planning to get started, the experts at Sallie Mae recommend the 1-2-3 approach: first, open a savings account; second, set a goal and make deposits regularly; and third, explore taxadvantaged options such as 529 college savings plans. “Above all, these study results provide tangible evidence of the value parents continue to ascribe to higher education,” says Quinlan. Find BIG Savings... When You Place Your Ad In The Classifieds! 7 6 8 6 7 5 2 4 1-402-640-63353 5 4 2 1 8 9 9 3 7 3 1 4 9 8 2 9 8 2 5 3 6 7 5 6 9 1 7 4 3 4 1 7 2 8 3 6 3 2 8 6 5 9 4 6 4 9 5 3 6 7 Coleridge, NE 1 5 1 2 5 9 1 7 8 Write-In Votes Not Counted Secretary of State Shantel Krebs clarified that South Dakota does not count write-in votes on the ballot. “In South Dakota we DO NOT have the option to write in a candidate’s name of our choice on the ballot. If you write-in a candidate it does not disqualify the entire ballot. It will be treated as if that portion was left blank,” said Krebs. According to South Dakota Codified Law: SDCL 12-20-21.2 Write-in votes not to be counted--Other votes on ballot. If a name is written on a ballot in an attempt to cast a write-in-vote, the write-in vote may not be counted. However, all other votes for which the voter's intent may be determined shall be counted. Administrative Rule: 5:02:16:17.01 - Writein votes not counted. As each ballot is being examined to determine how the vote was cast for each office, the counting board shall determine if any write-in was placed on the ballot. The write-in may not be counted as a vote but all other valid marks shall be counted as votes. Voter registration deadline is 5 p.m. Oct. 24. 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 MV Shopper 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