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February 14, 2013     Tri-County News
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February 14, 2013
 

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4t_ 6 Page 20 Protect yourself with ID TheftSmart offered at State Bank of Kimball. Member FDIC Community Staff photo by Marguerite Laabs. Ni Nig a,'. N Thursday, February 14, 2013 Tri-County News www. tricountynews.mn Need help sticking to your financial New Year's resolutions? How well are you doing at keeping your New Year's resolutions? .If you're having trou- ble sticking to them, don't be alarmed. Over the past five years, 43 percent of those who set a finance-related New Year's resolution failed to achieve it or to sustain their success, according to a telephone survey conducted on behalf of the American Institute of CPAs by Harris Inter- active. The survey found that the top financial goals for 2013 are paying down or eliminating credit card debt, increasing emergency savings or planning for retirement, demonstrating the importance that people place on getting their financial houses in order. If you have broken some of your financial resolutions, or are wor- ried you will, the Minnesota Society of Certi- fied Public Accountants (MNCPA) offers these practical tips. Get back on track. If it's hard to stick to your original plan for an entire year, remem- ber that you can always get back on track. Let's say you decided to pay down some outstand- ing debt this year but stopped or never got started, despite your best intentions. Don't give up! There's still a whole year ahead of you, and plenty of time to work toward your goal. Set time limits. One good idea is to cut the year into smaller pieces. If you resolve now to start saving more in 2013, it's easy to put it off until later.in the year. The problem is that many people who do this often look up one day and realize that the year has passed, and they haven't taken the steps needed to reach their goal. That's why it's smart to start out with a short time-frame, three 'or six months, for example, and pledge to meet your goal within that period. And if saving money is your top res- olution, keep in mind that you can have your bank do .it for you by having money deposited directly from your checking account into a sav- ings account. Do a reality check. Some people give up on their resolutions, because they are built on high expectations that are difficult to achieve. For example, if reducing debt is one of your res- olutions, accept the fact that it will take time. Determine the minimum you can realistically pay off in the coming year--say 5 or 10 per- cent of your outstanding balances--and dedi- cate yourself to doing it. If you get there sooner than you expected, resolve to pay off another 5 or"10 percent. If debt reduction isn't working at all, then decide that you will not incur any new debt in 2013. By setting reasonable objectives, you're more likelyto succeed. Cut back to basics. In the same vein, if you have a long list of resolutions, it may be tough to find the time or commitment to make them all work. Focus instead on one or two posi- tive steps you'd like to take and devote all your energy to them. If your goals include pumping up your retirement fund as well as saving for a vacation house, it may be best to PoStpone that vacation house until you have your retirement house in order. Choose a few goals that repre- sent your highest priorities, and you may have more energy and incentive to take the neces- sary steps to achieve them. You can always add new goals later once you've attained the ones that are most important. Your local CPA can help. Whatever your financial objectives, yotr local CPA can pro- vide the advice you need to help reach them. Be sure to turn to him or her with all your finan- cial questions. EV-W's Kirby Knutson goes up for a block on Kimball's Austin Roerick. See stories on pages 9 and 13. $2 per month, per customer. Full-Service Protection Means Peace of Mind ID TheftSmart goes far beyond the standard counseling services typical of many ID theft programs. If identity thieves strike, a highly. trained Kroll investigator - backed by a team of accountants, attorneys and former law enforcement personnel- advocates directly on your behalf until credit is restored. Plus, Kroll will provide any information to you if you call them, whether it's a specific or general question regarding safeguard ng your identity. { . " '" ' ' .  ........... E ,}LN K P.O. BOX 70 KIMBALL, MINNESOTA 55353 (320) 398-3500 www.tatebankofkimball.oom Mark Anthony Meteorologist Winter storm hits hard Weather column: The area was hit fairly hard by a winter storm from Saturday into Monday. We certainly weren't hit as hard as the East Coast where some spots there received 40 inches of snowfall. It was enough snowfall in Minne- sota over the 'weekend, however, to have plows pulled from some highways and interstates, and to cancel many schools on Monday and even some church services on Sunday. Snowfall totals across the area: Pelican Rapids (Otter Tail County) 17.5" Bemidji (Beltrami County) 16" Fergus Falls (Otter Tail County) 14.5" Millersville (Douglas County) 14" Carlos (Douglas County) 13" Glenwood (Pope County 12" Donnelly (Stevens County) 12" Elbow Lake (Grant County) 12" Wadena (Wadena County) 11.5" Little Falls (Morrison County) 11.5" Morris (Stevens County) 11" NewYork Mills (Otter Tail) 11" Benson (Swift County) 10.5" Spicer (Kandiyohi County) 8.5 Kimball (Stearns County) 6.8" The roads improved by late Monday morning, but the second- ary roads remained difficult to travel as some additional blowing and drifting cased some problems Monday evening into Tuesday. There is another weak distur- bance that could bring some addi- tional light snow for Wednesday and again by Sunday. At this stage it doesn't look like they will pro- duce much in the way of snowfall, but it is Minnesota and things can certainly change in the weather! For the latest on road condi- tions, call 511 or go to: www.511mn. org. Please drive carefully across the area. Stay warm and have a great rest of the week! Weather history: On this date in 1955, cold Canadian air was sit- uated across the Upper Midwest and dropped temperatures state- wide from 20 below to 40 below zero ! Weather fact: Absolute humid- ity: The mass of water vapor in a given volume of air. It represents the density of water vapor in the air. MN AT A GLANCE: Moorhead Low 17 High 27 Duluth Low 12 High 25 Central Minn. Low 19 High 28 Twin Cities Low 22 High 30 Rochester Low 23 High 29 Marshall Low 21 High 20 Monday, Feb. 11: Mostly cloudy with a 20-percent chance of light snow. High 28 Low 18 Winds: SW 5-15 mph Prec. Trace-.10" Monday's sunrise: 7:27 a.m. Monday's sunset: 5:45 p.m. Normal High: 20 Normal Low: 1 A weak disturbance will push across the region for the midweek and could bring some light snow along with fairly mild tempera- tures to Minnesota. Thursday: Partly cloudy and turning breezy and colder. High 25 Low -4 Winds: NW 15-25 mph Prec. None Friday: Partly cloudy and colder. High 9 Low -6 Winds: NW 5-15 mph Prec. None Saturday: Partly cloudy and remaining chilly. High 10 Low -4 Winds: WNW 10-15 Prec. None Sunday: Mostly cloudy, 40-per- cent chance of light snow. High 18 Low 14 Wind: SE 5-15 mph Prec. Trace-.20"