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shop online at www.missourivalleyshopper.com December 19, 2017 • Page 3 Accredited Financial Counselors 2017-2018 La Niña Focus On Developing Clients’ Plans And Winter Outlook BROOKINGS, S.D. - A recent survey conducted by the Association of Financial Counseling and Planning Education, which focused on retirement in the state of Ohio, showed that only 41 percent have a financial plan. But the truth is, this statistic isn't unique to retirement or Ohio. "Americans have a lot of mistrust when seeking financial advice," explained Lorna Saboe-Wounded Head, SDSU Extension Family Resource Management Field Specialist. "Worrying that a financial professional may be working for a commission or a financial gain." However, if citizens work with an Accredited Financial Counselor, Saboe-Wounded Head said they don't have to worry. "An Accredited Financial Counselor is like a financial driving instructor: they don't care what car you buy or drive; their job is to teach you how to drive safely, responsibly and independently," she said. "Accredited Financial Counselor professionals bring a strong focus on personal finance and are all accredited by the Association for Financial Counseling and Planning Education." Saboe-Wounded Head added that the Association for Financial Counseling and Planning Education is one of the oldest and most respected organizations offering financial counseling and coaching certifications. "Association for Financial Counseling and Planning Education is unique because it strives to ensure that individuals and families, like yours, can navigate what we've called the "alphabet soup" of financial designations you're likely to encounter while shopping the extensive menu of professionals offering financial advice," said Saboe-Wounded Head. "In this way, Association for Financial Counseling and Planning Education ensures that people have access to the highest standard of financial advice that fits their needs, at any stage of life." An Accredited Financial Counselor considers the client's complete financial life when administering advice, and they draw on a wide range of financial expertise to do so. "Let's face it, most Americans need to get their financial feet on the ground before taking the stock market by storm," said Saboe-Wounded Head. "Accredited Financial Counselor professionals are the perfect guides to getting you to this goal ... and beyond." More about who an Accredited Financial Counselor is 1.An Accredited Financial Counselor does not sell financial products but, rather, focuses solely on providing unbiased financial education and guidance specific to your unique situation and needs. 2.An Accredited Financial Counselor assists individuals and families in the complex process of financial decision-making, including creating budgets, getting out of debt, modifying ineffective money management behaviors, and even helping prepare for retirement. "No matter where you are on life's continuum, it's possible to develop the skills and knowledge needed to realize your goals and achieve financial security," said Saboe-Wounded Head. 4 Unique Ways South Dakotans Can Give Back this Holiday Season BROOKINGS, S.D. - The National Oceanic Atmospheric Administration's (NOAA) Climate Prediction Center has officially declared a La Niña Advisory, as of Nov. 9, 2017. "This means that La Niña conditions are observed and expected to continue," said Laura Edwards, SDSU Extension State Climatologist. NOAA observes La Niña conditions using sea surface temperatures in the Pacific Ocean, Edwards explained. "For La Niña, ocean temperatures are cooler than average near the equator in the Pacific Ocean, which can alter jet streams and storm tracks," she said. What To Expect Historically, La Niña has brought colder than average temperatures in winter for South Dakota. "There are varying strengths of La Niña, from weak to strong. Overall the colder temperatures are fairly consistent in any La Niña winter," Edwards said. "What is more variable is snowfall." In weak La Niña events, there has historically been above average snowfall in the Northern Plains states. In strong La Niña events, this is not usually the case. For our winter season ahead, Edwards said a weak La Niña is expected. "Thus the climate outlook shows an increased chance of above average precipitation," she explained. This potential increase is snowfall is more likely to occur in mid- to late winter, or around January and February of 2018. December Outlook Despite the very dry November, there was recently a large pattern shift in early December, which is now starting to look more like a typical La Niña pattern. "This will put South Dakota near the jet stream path, bringing colder air down from Canada and possibly some more chances of precipitation in the next couple of weeks," Edwards said. La Nina's Impact On Agriculture This cold, and possibly wet, climate outlook may create challenges for South Dakota's livestock producers who have already struggled with drought losses in pastures and forage. "One way that animals adapt to severe cold is to increase their feed intake, which is already a challenge in some areas," Edwards said. Shelter and protection from severe cold and some increased snowpack amounts may need to be considered as well. Winter wheat growers may take some solace in the potential for increased snowfall, as this can insulate the crop in harsh cold temperatures. Also, increased snowfall can provide some soil moisture in the spring when it comes out of dormancy. RAKES – RAKES – RAKES finding the right job is easier New Case-IH WRX 301 Wheel Rakes than you think 12-14-16 Wheel – In stock - Ready To Go New Rotary Rakes in Stock The holidays remind us extra cash to give? Donate improving lung health and to be thankful for our famyour time to help those preventing lung disease, ily, friends and what we in need within the comthrough research, educahave. They also remind us munity. Volunteer to help tion and advocacy. The to give back. those with lung disease work of the American Lung when you’ve Here are four differat several events and Association is focused on ent ways to support local programs throughout the four strategic imperatives: got the right organizations who help state. Find local volunteer to defeat lung cancer; direction South Dakota communities opportunities at Lung.org/ to improve the air we and the less fortunate. Volunteer. breathe; to reduce the 1. Donate Your Car: Tired 4. Become An Advocate: burden of lung disease Stop searching. The of your old clunker? Done Being an advocate for on individuals and their Help Wanted section with scraping snow off those who suffer from lung families; and to eliminate of the Missouri Valley your windshield, paying disease is simple. Share tobacco use and tobaccoShopper lists many for parking or having your your story, write a letter related diseases. For more possible new job car towed? Donate your or make a donation to information about the opportunities. USED EQUIPMENT old car to the American support lung health poliAmerican Lung AssociaFind a career that’s Lung Association to create cies. Everyone deserves tion, a holder of the Better right for you. HAY EQUIPMENT TRACTORS new hope for those sufferto breathe healthy air, Business Bureau Wise Giving from lung disease. have access to resources ing Guide Seal, or to supH&S 14 Wheel Rake CIH 9150 - 4WD - Duals Donating your car is to help them quit smoking, port the work it does, call M&W 14 Wheel Rake CIH MX200 MFD - 170HP easy. Visit LungCars.org get the best medical care 1-800-LUNGUSA (1-800-586or call 1-800-LUNGCAR, and benefit from innova4872) or visit: Lung.org. Claas 880 Rotary Rake CIH 8940 MFD - 210HP fill out a quick form, and a tions in research. Learn Vermeer R23 Rake CIH 7110 and 7120 2WD tow truck will pick up your more about how you can Hesston 4760 - 3x3 Ford/Versitile 876 - 4WD car within 48 hours. Your give back by becoming an car donation will help fund advocate here. Challenger LB34 - 3x4 CIH MXM 120 - 95HP MFD research and programs This holiday season, CIH 8575 3x3 Baler CIH & 125 MFD treasuresMXU Pawn - 105HP for South Dakota resiremember the lights, the N. Holland BB940 - 3x3 CIH MX 120 MFD/LDR 301 E. 3rd Street, Yankton, SD dents suffering from lung ribbons and bows and the 665-35887320 - IVT - MFD disease. Your donation will candy canes, but don’t N. Holland 660 Round J. Deere also count as a deduction forget to give back to our CIH 8480 RD Soft CTR on your taxes for 2017. South Dakota community. COMBINES CIH RBX 562 and 563 2. Buy Christmas Seals: Lean more about how to CIH 2388-2003-1300HR CIH SC100 - 16’ Pull W/R While you are purchasdonate and volunteer at ing your holiday cards, Lung.org. CIH 2588-2008-900HR N. Holland 1475 - 16’ W/R wrapping paper and bows, About the American Lung CIH 2377-2005-1700HR N. Holland 1431 Disc W/R don’t forget about the Association in South JD 9550-AWD-1500HR McDon 5000 - 16Ft W/R Lung Association’s ChristDakota December 2nd & 3rd, 9th & 10th, 16th & 17th • 1-3:00PM mas Seals. This tradition The American Lung AsJD 9410-1998-1700HR Hesston 9260 SP Disc W/R dates back 110 yearsBring Your Cameras! and sociation in South Dakota Several CIH 1660 - $19,500 CIH WDX 1902 SP Disc W/R is still a staple of the holiis the leading organization CIH 1640 - CDC - Chopper day season. working to save lives by The first Christmas Seals were created to help fund the treatment of tuberculosis in 1907, and now the money goes •Busch & Busch Light 30 pks ........... $14.99 to fund research for lung PRE-SELL & END - OF - YEAR •Old Milwaukee & Light 30 pks ........$14.99 cancer and local programs DISCOUNTS ON ALL EQUIPMENT! to help those with lung •Miller High Life & Light 30 pks ........$13.99 disease live better lives. 109 W. 3rd St. • 605-665-7865 * Yankton Meridian District * www.yanktonrexall.com Learn more at ChristmasSeals.org. 3. Volunteer: Don’t have We’ll meet or beat all Fit Most Makes Big Discounts – Great Financing On All NEW Hay Equipment * Self-Prop and Pull Windrowers * Round Balers - Twine/Net Wrap * Large Square Balers ~ All In Stock ~ Winter is Here! LARGE MV Shopper MV Shopper Selection of Snow Blowers on hand 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 RiveRcity Mark’s Machinery MERRY CHRISTMAS To All Our Valued Customers & Employees! Year-End Sale Always LOW Liquor Prices! Everything For Hay TWINE PARTS advertised prices Looking for the best deal in town? Check the CLASSIFIEDS! *December Deals* Guards - Sickles • “LOCK IN” SUPER FINANCING ON NEW AND USED EQUIPMENT- Sections • LO-RATE FINANCING • Case IH • IH • Hesston & WAIVERS • SUPER LO-RATE LEASE PLANS! • Hew Holland • McDon • GREAT PRICES ON LEASE RETURN AND GOVERMENT DOT – Round Baler – TRACTORS NOW! ALL SIZES 16000 Sisal.....................$32.95 20000 Plastic..................$21.95TIME! SAVE $$$Balanced Head 9ft. SAVE Biodegradable - 20K. . . . . .$22.95 PRE-SEASON INSPECTION PROGRAM Mower Sickles $79.95 67” x 7000 Net Wrap.........$220 TRACTORS Great Guard Prices! Seasons Greetings all your 2018 roofng needs n mind for ! ep u s i Ke Finger Wheel Rake Parts COMBINES Big Square Plastic PLANTERS Baler Belting 350 and 440 IN STOCK HAY EQUIPMENT * Pallet Qty Discounts Everything for Hay!! PROGRAM * Truckload Pricing INCLUDES CLEANING INSPECTION AND DISC MOWER PARTS ESTIMATE OF WORK NEEDED FREE TRUCKING TRACTORS AND COMBINES MV Shopper 319 Walnut St. Yankton, SD 57078 MV Shopper Mark’s Machinery Inc. 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 605-665-5884 605-857-1472 407 Ruth Street, Yankton, SD 3211 50 • NO OBLIGATION 3211 East Hwy. East Hwy. 50 Yankton, SD 57078 Inspection & EstimateYankton, SD 57078 • Insurance Preferred Contractor 605-665-4540 605-665-4540 • Licensed / Bonded / Insured 800-526-8095 Since Two locations 1972 800-526-8095 to serve you! 745 E. Hwy. 46 E. Hwy .46 745 Wagner, SD Wagner, SD 605-384-3681 605-384-3681 800-693-1990 800-693-1990
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