September 12, 2017 • Page 2 shop online at www.missourivalleyshopper.com Dave Says By Daris Howard Separate Accounts? Dear Dave, I have a full-time job, but I also have a small Etsy business on the side selling 10 products that makes about $200 a month. I don’t see the money from this part-time work getting any bigger in the future. Should I keep a separate account for this business, or just roll it into our regular checking account? Sydney Dear Sydney, It’s very important to have a separate account, or accounts, for small Dave businesses for two reasons. One, it’s a huge help when it comes to taxes and tax season. It will also give you a much clearer picture of how your business is actually doing. Whether you’re talking about revenue or tracking expenses, it will give you an easy-to-read report card. Even if the business is small and is going to stay small, I would want to know – almost as an intellectual exercise – which of my products were winning in the marketplace. This would help you concentrate on the ones that are making you money, and allow you to focus less on the ones that aren’t doing so well. So yeah, you need to keep a separate business account, and preferably a separate checking and savings account on your business. Make sure 100 percent of the income from the business goes into those accounts, and only expenses associated with the business come out of those accounts. With really small side businesses, your checkbook register can almost become a simplified profit and loss statement. — Dave RAMSEY Balance Rebuilding and Repaying Dear Dave, My wife and I have had marriage problems, and a lot of them were related to money. We’re working through those issues and are on Baby Step 1 of your plan. In the process, we’re talking more and things are getting better. We have $40,000 in credit card debt, along with a combined income of around $70,000, so I talked to her about taking an extra job or two. She said she would rather I be at home so we can spend more time together in working on our marriage. What should I do? James Dear James, My wife and I have had marriage problems, and a lot of them were related to money. We’re working through those issues and are on Baby Step 1 of your plan. In the process, we’re talking more and things are getting better. We have $40,000 in credit card debt, along with a combined income of around $70,000, so I talked to her about taking an extra job or two. She said she would rather I be at home so we can spend more time together in working on our marriage. What should I do? — Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven bestselling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Snap Up a Deal in the Classifieds Call or go online to browse, buy or sell! In Print and Online! 665-5884 • www.missourivalleyshopper.com Saturday, September 16th Specials! Prime Rib or Ribeye............. 18.95 $ Served With Potato, Vegetable, Soup, Salad & Dessert Bar Serving 5:00pm-9:00pm ~ Reservations Appreciated Sign Up For 2-Person Dart Teams! Due by September 18th League Begins September 24th (Contact Ron’s Service if interested in a 4-person Dart Team League) Ron’s Service 605-935-6076 OR 605-770-7881 A bunch of us went to the races up in the city the other day. Windy won a little, but the rest of us just kinda broke even, and we got to yell and cheer, so I guess that can cost two bucks without hamstringing the entire regiment. It was fun. And we ran into Brock Bullingham there, too, who had a horse entered in a maiden race. Brock’s place is about 20 miles north of the city, and he runs horses and cattle on a huge acreage. He told us proudly what the horse was called so we could cheer for him, and off they went. Brock’s horse went to the lead and stayed there. He gathered up even more of a lead on the backstretch and finished about 15 lengths ahead of the second-place horse. He went down to the winner’s circle and we went along for the fun. The track stewards, however, showed up none too pleased. “Brock, you say that horse is eight years old?” “Shore is.” “Well, if you have a horse that can run like that, why is he just now in a maiden race?” Brock grinned, “Couldn’t catch him ‘til he was seven.” If you read this you know... advertising pays! Call the Missouri Valley Shopper at 665-5884 or stop by to place your ad today! 319 Walnut St. • Yankton Find What You’re Looking For! in the Classifieds. In Print and Online! Call 665-5884 www.missourivalleyshopper.com A Band Nerd Tyson knew what the other band students said about him. They called him a nerd. He did love computers, math, and science. But he also loved band. On the other hand, the students in his computer, math, and science classes called him “Mr. Trumpet.” He knew that he didn’t fit in with either group. It was the first of November, and band season was almost over. Tyson was sitting on the bus reading when he first heard about the party. A group of the most popular band girls were putting it together. He watched as one girl started passing out invitations at the front of the bus, and one girl started at the back. When the girls approached the middle of the bus where he sat, they handed out the invitations more and more discretely. Soon they were at his seat and had given an invitation to everyone else. He waited and hoped, but the invitation didn’t come. The girls instead returned to their seats at the back of the bus. He continued to pretend to read, but he couldn’t miss the girls’ conversation. “Did you give an invitation to Tyson?” a girl named Shanae asked. Tyson felt Shanae was the nicest of all of the girls. She didn’t run away from him as much as the others and would sometimes even say hi. But he knew she couldn’t be too friendly or the others would make fun of her. One of the girls who had passed out invitations laughed at Shanae’s question. “Are you kidding? He wouldn’t know how to have fun if a computer wasn’t involved.” Tyson tried to read; tried to pretend it didn’t matter. But it did. On the next bus trip, something else happened that surprised him. Shanae was crying. He again pretended to read as he listened. “It’s true,” Shanae said through her tears. “Those balls on the bus ceiling are cameras.” “You mean that every time we changed on the back of the bus, the cameras filmed us?” another girl asked. Shanae nodded. “I talked to the school security, and they said the cameras recorded us. But they refused to delete the recordings, saying they might need them in case any questions of improper events on the bus arise.” Tyson hadn’t realized the girls had been changing when they had sent the boys to the front. He had assumed they wanted to talk about girl things. He thought about the party and told himself the girls deserved it. But he realized that he was still part of the band, and it was his band. He felt some anger at the security personnel for not deleting the videos. For the next couple of days, Tyson worked every second he could on the problem. He even spent his lunch hours on it. He knew no one would miss him. Eventually, he found what he needed and completed what he set out to do. The morning of the last band performance, he walked into the band room and handed Shanae a note. He walked away, but stayed close enough to hear the girls’ reaction as Shanae read it to the others. It said, “The videos from the bus surveillance are erased.” One girl gasped. “Do you think it’s possible?” The girls then set out to find out. After they boarded the bus that afternoon, Tyson again listened as they talked. “When I asked the security officer if the videos were erased, he just laughed,” one girl said. “But he tried to look them up, and they were gone. He accused me of hacking them, but he had no proof.” Tyson looked out of the corner of his eye from behind his book and could see the girls all turn and look at him. After a pause, Shanae stood. “Tyson’s a lot better friend to us than we are to him,” she said. She walked to where he was sitting. The other girls followed, and they all smiled at him. “Thanks, Tyson,” Shanae said, and the others voiced their agreement. He just smiled and shyly said, “You’re welcome.” And he never missed receiving an invitation to a band party again. South Dakotan Elected to Lead National Association of MV Shopper State Technology Directors MV Shopper M I S S O U R I VA L L E Y Tripp, SD M I S S O U R I VA L L E Y PIERRE, S.D. - Pat Snow of the South Dakota Bureau of Information and Telecommunications (BIT) was elected president of the National Association of State Technology Directors (NASTD) during the group’s annual meeting in Memphis, Tennessee on Aug. 30. Snow serves as BIT’s chief technology officer and director of telecommunications and has worked for the bureau since 1996. “Pat is willing to share his vision and expertise with those wishing to utilize technology services to improve state government operations; this willingness to collaborate and offer thoughtful, reasoned, cost effective solutions meshes well with the NASTD mission to build partnerships among states to utilize technology to improve the delivery and efficiency of government services,” said BIT Commissioner David Zolnowsky. “Pat is well respected in South Dakota for his technology vision and leadership; his election to the NASTD presidency is a measure of the extent he is also recognized as a technology leader outside of South Dakota.” Snow has served as the association’s vice president and program chair for the past year and through the coming year will lead the Executive Board which includes representatives from Ohio, Texas, and Approximately 2,100 sq. ft. Previous Academy of Dance, Available October 1st. On and off street parking, seperate entrance, seperate utilities. For Inquiries Call Leisure World - 665-1240 MOODY MOTOR NIOBRARA, NE Patrick Hawk 251 Spruce Ave • Box 260 Niobrara, NE 68760 www.moodymotor.com pjhawk@hotmail.com (402) 857-3711 (800) 745-5650 Fax (402) 857-3713 Massachusetts. Snow is the second Association president to hail from South Dakota, having been preceded by Jim Edman, South Dakota chief information security officer, in 2007. “It is a great honor to lead NASTD for the coming year,” said Snow. “Technology is a great enabler for state governments and NASTD is an exceptional resource for technology peers to share knowledge and experiences.” Throughout his career at BIT, Snow also served as data center architect, manager of endpoint services and manager of network technologies. According to Zolnowsky, Snow’s expertise has widely impacted state government, K-12 and higher education technology services. In his spare time, Snow enjoys fishing, hunting, biking, playing musical instruments and cheering on the Nebraska Cornhuskers. NASTD represents information technology professionals from state governments, organized into four regions. Individual members provide and manage state government information technology services and facilities for state agencies and other public entities, often including hospitals, prisons, colleges and universities. Former South Dakota Office of Telecommunications employee Jim Stein was an instrumental founding member of NASTD.