2 Broadcaster Press November 1, 2016 www.broadcasteronline.com La Nina Making An Encore Appearance La Niña is forecast to make an appearance on the Northern Plains this fall and winter according to the latest National Oceanic Atmospheric Administration Climate Outlook released on October 20, 2016. "There is about 70 percent certainty that La Niña will affect the U.S. climate this fall, according to the Climate Prediction Center," explained Laura Edwards, Acting State Climatologist & SDSU Extension Climate Field Specialist. Edwards added that forecasters are about 55 to 60 percent sure that La Niña will carry through the winter season. The latest national temperature and precipitation outlook reflects a typical La Niña signature over the U.S. for the winter season. "In South Dakota, this has historically meant colder than average temperatures, especially in December and January," Edwards said. As far as precipitation is concerned, she said there is less certainty in the Dakotas. "In the past, it has been wetter in the northern Rockies and over the Great Lakes region, with La Niña," Edwards said. "One thing is for sure, this year's La Niña is forecasted to be a weak event, which means less certainty in the winter climate outlook." In the meantime, warmer than average temperatures are more likely through November, before potentially turning colder. "The next couple of weeks may be wet, but then much of the eastern Dakotas are likely to turn drier or end up closer to average precipitation through the end of November," Edwards said. Edwards pointed out that there are many other factors which can affect our wintertime climate. "Particularly the temperatures in the Arctic or An Honest Thief By Daris Howard northern regions of Pacific and Atlantic Oceans. These can affect where the jet stream settles in this winter," she said, explaining that generally, these shorter-term climate patterns set in for a few weeks at a time. "This makes them difficult to project months in advance." So far this fall, South Dakota has enjoyed warmer than average temperatures, and generally dry conditions. "This has been good news for corn and soybean farmers, especially those in the southeast who had some wet weather late in the season," Edwards said. Fire danger has also increased due to these same dry and warm conditions. The Cottonwood Fire on October 17-19, 2016 was unofficially the fifth largest in the state's history, with a total burn area of more than 41,000 acres. Dave Says Young, Jobless and Scared Accounting 101 Dear Dave, I’m 23, and I lost a good job a few Dear Dave, days ago due to layoffs. My wife has I’ve just started my own small business. As the owner and only been a stay-at-home mom with our employee, how do I determine my profits? 10-month-old daughter, and we have Brittany very little in the way of savings. What can we do to keep our heads above water? Dear Brittany, Seth Here’s a basic Accounting 101 definition for you, regardless of how many employees you have or how big your business may be. What you take in, minus expenses — in other words, your revDear Seth, enues minus your expenses — equal profit. Believe it or not, it I’m really sorry you’re going through really is that simple. this. I’ve been there, so I know this Since you’re just starting out, I’d strongly advise you to set up Dave is a scary time for you. There are some a separate checking account for your business. That’s the only short- and long-term goals to think about way to accurately tell exactly what’s going on within the busiin a situation like this, but let’s look at the ness. When you co-mingle business money with grocery money immediate future. and things like that in your personal account, you’ll never have an Go crazy about finding some kind of income. I don’t care if it’s accurate picture of what’s really happening with your business. delivering pizza during the week and working at the mall on week- Good luck, Brittany! ends. Even if it doesn’t completely replace your previous income, — Dave it will give you some cash to pay bills and stay afloat. On your off days, and before and after work, you can line up and do interviews for a more stable, full-time job. You may even have to trade off ba* Dave Ramsey is America’s trusted voice on money and busibysitting duties with your wife so she can earn some money too. ness, and CEO of Ramsey Solutions. He has authored seven bestWhile all this is going on, have a garage sale and sell anything you don’t need or want anymore. Just about anything that can be selling books, including The Total Money Makeover. The Dave turned into income should be turned into income. In the process, Ramsey Show is heard by more than 12 million listeners each prioritize your bills and other financial responsibilities. Take care week on 575 radio stations and multiple digital platforms. Follow of food first, then utilities, the mortgage or rent, then transporta- Dave on Twitter at @DaveRamsey and on the web at daveramtion. You guys don’t need to see the inside of a restaurant for a sey.com. while unless you’re working there, and if things don’t get better by Christmas, any gifts you give should be handmade crafts. This is doable if you two work hard, pull together, and focus. God bless you guys, Seth. Use The Broadcaster Classified Ads: — Dave RAMSEY Sell it Local! Classifieds! 624-4429 ' 3 HDGOLQHV Friday at Noon As I read about all of the refugees in the world right now, an estimated sixty million with half of them children, my mind returned to this time of year when I was twenty years old living in New York. I was doing missionary work with three other young men, and the holidays were approaching. Times were tough in the city I was in. The G.M. plant, the biggest employer, had shut down, and a lot of people were thrown out of work. In some areas, the crime rate was spiraling out of control as otherwise good people turned to theft. As missionaries, we spent lots of time finding needy families and making sure they had food and possibly a few simple toys for their children from donations through church relief efforts. As we spent lots of time in this work, I was usually too busy to think of anything else, but as I climbed into bed at night, my thoughts would turn to home. My family, though not wealthy, would have a bounteous harvest from our garden and farm. In my teenage years, my mother would have me deliver plates of holiday cookies and candies to widows and needy families. It was into this mix of thoughts and events that something interesting happened. One night, as we were finishing up for the evening, one of the other missionaries, Johnson, realized he had left his wallet on the front seat of our car. It was a cold night, and knowing the car and the garage were both locked, he decided that he wouldn’t worry about it. The next morning we had breakfast and prepared for our day’s work. Johnson unlocked the garage, and I opened the overhead door while the others went to the car. Johnson unlocked the car and the three of them climbed in. That’s when Johnson gasped. “Howard,” he said, “you’ve got to see this.” Johnson’s wallet lay open on theTell themthe car, andin the seat of you saw it beside it was a note. I picked it up and read it. “I’m sorry that I had Broadcaster! to take money from your wallet. I lost my job, and I haven’t been able to find any other work. My wife left me, I had nothing to buy milk with, and my baby daughter was hungry. I’m not a thief, and I promise I will pay you back. I hope where you are men doing God’s work that you will understand and will forgive me.” Tell them you saw it “That’s all the money I had until the end of the month,” Johnson complained. “Now what will Ithe Broadcaster! in do?” “He said he’d pay it back,” Stanton, another missionary, said. “Yeah, right,” Johnson said, sarcastically. “Like that’s really going to happen.” “How much was it?” I asked. “Five dollars,” Johnson replied. “Isn’t that what we’re doing out here anyway?” I asked. “I mean, if he needed it wouldn’t you have given it to him?” “I suppose,” he replied. “But I don’t like the idea of someone just stealing it.” I opened my wallet and handed him a ten-dollar bill. “I’ve bought enough groceries to last me a while. You take this.” “Do you have any more to last you through the rest of the month?” Johnson asked. “No,” I replied, “but my bills are all paid, and I’ll be fine.” He reluctantly took it because he needed it, and we left for work. After a couple of weeks we had pretty much forgotten about the incident. Then one morning it was kind of deja vu. We opened the locked garage, opened the locked car, and there on the seat was a five-dollar bill with a note. It said, “Thanks for the loan. I got another job.” Davis, another one of the missionaries, said, “Have you considered what kind of man has the skill to break into a locked garage and a locked car, steal money, and then he pays it back?” “Yes,” I said, smiling as they handed me the five dollars. “It’s Vermillion, SD the kind of man who is a good man and loves his daughter.” ir old granny scrubbed them until they were all pooped out.” 624-4429 624-4429 624-4429 624-442 Tell them Tell them you saw it you saw in the in the Broadcaster! Broadcast * Support Education * Fight Corruption Tell them Tell them you saw it you saw in the in the Broadcaster! Broadcast 201 W. Cherry Vermillion, SD 201 W. Cher Vermillion, S 624-4429 624-442 • Full-Color Print Services • Copy & Document Services • Special Event Printing • Bulk Mailing Services • Booklets / Manuals • CAD Printouts & Banners YEARS OF DELIVERING AS PROMISED. Vermillion, S 624-4429 624-442 Paid for by Mark Winegar for State House 3 Tell them you sa in the Broadcas Tell them you Tell them y saw it in the saw it in t Broadcaster! Broadcast Let The Broadcaster MARK WINEGAR and Plain Talk FOR Make Cash STATE HOUSE For You! Display Ads: Friday at 11AM Tell them you saw it Broadcaster! PRESSING MATTERS Downtown Vermillion Call 605-624-4132 Click sales@pressingmatters.biz www.pressingmatters.biz Let The Broadcaster & Plain Talk Broadcaster and Plain Talk private party Make Cash For You! classified line ads are now FREE for 30 wordsBroadcaster & Plain Talk private party classified line ads are or less. If you need more than 30 words, don’t worry you words or less. If you need more than 30 now FREE for 30 still won’t pay alot. A 31-word ad is only $.90 and words, don’t worry you still won’t pay a lot. A 31-word ad is the cost only goes up $.50 per word only thereafter. 90¢ and the cost only goes up 50¢ per word thereafter. Place your ad by calling the Broadcaster/Plain Talk office at 605.624.4429 or by stopping in at 201 W. Cherry Street today!