May 30, 2017 www.broadcasteronline.com Broadcaster Press 3 First Dakota National Bank Awards Scholarships First Dakota National Bank and the South Dakota Bankers Foundation have teamed up to award $1,000 FirstChoice/SDBA scholarship to Tyler Hauck from Vermillion. First Dakota agreed to match Foundation funds to provide scholarships to graduating high school seniors or college students in our local communities. One of the requirements of the SD Bankers Foundation scholarship is the recipient attend a post-secondary South Dakota institution of higher learning. Hauck plans to attend Dakota State University. All FirstChoice Student Checking participants who are seniors in high school or college students attending a post-secondary accredited American college, vocational technical school or university are invited annually to apply for this excellent scholarship opportunity. Applicants are judged on leadership, financial responsibility, school and civic involvement, NFCC Releases 2017 Consumer Financial Literacy Survey Increase Diversity, Plant Trees To Prepare For Emerald Ash Borer PIERRE, S.D.- Spring is the best time of year to plant new trees to get them established. With that in mind, the South Dakota Department of Agriculture’s (SDDA) Resource Conservation and Forestry Division (RCF) encourages South Dakotans to plant different varieties of trees. May 21-27 was Emerald Ash Borer (EAB) Awareness Week. The ash tree species are commonly used as urban YANKTON—The National Foundation on Credit street trees, wind breaks and shelter belts. Native ash speCounseling (NFCC) has released the results of its 2017 cies have no natural defense against the EAB. “Although EAB has not yet been confirmed in South Consumer Financial Literacy Survey. The survey Dakota, it’s estimated that about one-third of our urban and found a combination of positive and concerning trends in consumers’ financial literacy and behaviors. community trees in the state are ash,” said state forester Greg Josten. “Now is a great time to consider planting trees Some of the results include: for any reason, but one good reason is to ultimately replace • 26 percent of Americans are spending less than ash trees that may later succumb to emerald ash borer.” they did last year. Native to Asia, the emerald ash borer only attacks true • 39 percent of Americans are carrying credit card debt month to month (an increase from last year). • 16 percent of Americans carry over more than $2,500 in credit card debt from month to month. • 80 percent of Americans say they could benefit from professional answers to every day financial questions. “We aren’t surprised by the results of this study. It certainly echoes the need that we have seen locally,” says Sylvia Selgestad, a counselor with the Center for Financial Resources (CFR). “Unfortunately, there is a stigma about financial counseling that we would like to overcome – a stigma that so many of our clients are glad they got past.” CFR provides a wide variety of financial counseling services including budgeting, Debt Management Program, student loan counseling, mortgage delinquency and housing counseling, credit report consultation, and home buying and financial literacy education. The LSS Center for Financial Resources is an NFCC agency and proud to provide quality, confidential services to its clients. The full survey results are available through the NFCC. For more information on the survey or not-for-profit credit counseling, contact CFR. Lutheran Social Services is a private non-profit social service agency. Last year, 52,001 lives were touched through a variety of services offered through LSS statewide. Core services offered by LSS include adoption, pregnancy counseling, foster care, kinship services, childcare & education, disaster response, mental health counseling, Fatherhood & Re-entry Services, Center for Financial Resources, residential services for children & youth, alternatives to detention, independent living services for young adults, mentoring, Better Together and Center for New Americans. LSS serves people of all ages, races, faiths and economic levels with professional, confidential and affordable services. LSS services are licensed by the State of South Dakota and accredited by the Council on Accreditation. LSS is a United Way agency. and satisfactory scholastic progress. First Dakota awarded 18 scholarships in all. Winners from other First Dakota locations include Kaitlyn Knudson, Beresford; Madalyne Schuldt, Elk Point; Amy Hurley, Sioux Falls; Kate Katterhagen, Yankton; Sophie McKee, Yankton; Kristan Soukup, Wagner; Sara Herman, Lyman; Kylee Donnelly, Elk Point; Rachel Hawkins, Ethan; Jediah Schmidt; Mitchell; Katie Weber, Parkston; Spencer Sarringar, Pierre; Chase Bolte, Pierre; Caleb Krouse, Montrose; Jesse Wright, Sioux Falls; Hailey Pullman, Hawarden IA; and Elizabeth Riggen; Kimball. First Dakota was founded in 1872 and holds the first bank charter issued in all of Dakota Territory. It has 19 full-service banking locations in fourteen South Dakota cities. It also has six loan production offices throughout South Dakota and Nebraska. ash trees. The larvae feed beneath the bark, disrupting the movement of water and nutrients and killing the tree within several years. EAB is now found in 30 states, including neighboring Minnesota, Iowa and Nebraska. “Since trees can take decades to grow but provide a lifetime of benefits, homeowners want to take special considerations when deciding what to plant,” said SDDA forest health specialist Dr. John Ball. “The good rule of thumb is we don’t want to see more than 10 percent of a community’s trees in any one genus. That means no more than 10 percent maple, 10 percent oak, 10 percent any other genus of tree. My recommendation is to look and see what’s being planted down your neighborhood and plant something else. We never know what the next threat might be.” For more information, go to http://sdda.sd.gov/conservation-forestry/forest-health/emerald-ash-borer/default.aspx. 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