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. 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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. 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