April 9, 2019 • Page 2 shop online at www.missourivalleyshopper.com A Change in Personality Dave Says Travel Expenses? Dear Dave, I’m an admissions counselor for a university, and I make $37,000 a year. I spend a lot of time on the road, and I’m trying to get out of debt, but I have one credit card I’m still using for travel expenses. The university refunds me for these expenses, which always run $300 to $400 per trip, but usually it takes about three weeks for this to happen. Do you have any advice for someone in my situation? Roxanne Dave Dear Roxanne, Let’s set up an account, and prime the pump once. By this, I mean in the next few months I want you save up $500, then open a separate checking account for reimbursable travel expenses only. Make sure a debit card is attached to the account, too. If you put $500 into this account one time, you’ll never have to save for it again. You’ll use some of that money for your travel expenses—on your debit card—and when they reimburse you, you’ll put the reimbursement check RAMSEY directly into your travel account. After you get the initial $500 in there, your travel account will run off your reimbursement checks. Lots of people carry credit cards on the road for expenses, but often they’ll end up buying things that aren’t reimbursable. It happens to everyone who travels. Then, over time, you accidentally run up credit card debt. But when you use a debit card with an account that’s completely separate, and you’re not using it for anything except reimbursable travel expenses, it’ll help you become a lot more disciplined with your purchases on the road. Everyone who travels a lot does some stress eating and stress spending. Why? Because being on the road often, or for long periods of time, is no fun. The only people who think travel for work is glamorous are those who don’t do it for living! —Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-selling 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. Dakota State Advances Plans For Ph.D. Program In Cyber Defense SPEARFISH, S.D. – With action Wednesday to approve it, a new doctoral program in cyber defense at Dakota State University will address growing cyber threats and workforce needs, while provid- ing DSU graduates with a foundation in security issues, practices, politics, risk analysis, and cultures Best Prices In Town! abelsBacardi Limon$19.99 1.75 ML ine L e W $ iving on Somre Crown Royal Peach 27.99 L k fe A Rec We gs In Li ated – “ n Thi Complicine Too Your W t Be!” ldn’ hou S 750 ML,While Supplies Last Proper Twelve Irish Whiskey $29.99 750 ML NEW 750 ML NEW Licor 43 (Spanish Liqueur) $30.99 Black Velvet $15.99 1.75 ML Save 10¢ Off A Gallon Of Gas When You Use Your Sinclair Card Cork N Bottle 1500 Broadway, 665-3881 We’ll Match All Local Advertising Prices! We’ll M Local Advertis atch All ing Prices! Yankton interactive 6 Easy Steps To Bring Your Paper To Life! 1. Go to 2. Search for the Yankton Interactive app. 3. Download the app onto your phone or tablet. 4. Hold your phone or device over the newspaper where Yankton Interactive trigger is indicated. 5. Click on the app and scan the picture or ad. 6. Bring your paper to life and have an amazing new experience. This is a FREE app so download today!! of terrorism, as well as research methodology and practice. The South Dakota Board of Regents granted authority for DSU to offer the Ph.D. degree in cyber defense beginning this fall. It will be offered online and will be the third doctoral degree program available through Dakota State, joining other Ph.D. programs in cyber operations and information systems. Graduates from the new program will be prepared for careers in private industry, government, the military, and academia. DSU officials said cybersecurity positions are difficult to fill across the country, with an unmet needs gap of 1.8 million jobs expected by 2022. Seven new courses will be created to implement the doctoral program at DSU, which is expected to graduate eight students each year after full implementation. The right job is just one click away. www.missourivalleyshopper.com In Print and Online! Call 665-5884 By Daris Howard My roommate, David, was dating a girl named Annie. She was beautiful, with blonde hair that hung down past her shoulders, and she had big blue eyes. But what made her especially beautiful was her kindness. David would invite her to join us in games of UNO. She never got upset when she lost, and she was always gracious when she won. David would often invite Annie over to our apartment to eat with him. If any one of us were eating at the same time, Annie would suggest we pool our food and eat together. It was fun because it brought us all together and made us better friends. It was especially good for guys like me who usually ate alone. One day as I was heading home, I ran into David. “Hey, Daris,” David said. “Would you do me a favor? I have some things to do, and Annie is coming over to our apartment. I was wondering if you would mind visiting with her until I can get back?” I thought that it was a strange request. She was his girlfriend, and I had never visited with her without him there. “Uh, yeah,” I said. “I’d be happy to visit with her.” “Thanks,” David said. “Oh, and by the way, she might have gotten a haircut, so compliment her on that. If she’s sensitive or upset, just visit with her and help her feel better.” He left, and I walked slowly to our apartment. I had never seen Annie sensitive or upset. She was always calm, positive, and raised the spirits of those around her. It was my day to do the dishes, so when I got to our apartment, I got started. I filled one sink with soapy wash water, put in the dishes, and had just stuck my hands into the water when there was a knock at the door. I turned, and through the window I could see Annie. “Come in,” I called. When she walked in, I was shocked to see her dressed strangely, and her long, beautiful hair was in a pixie cut. David had mentioned a haircut, but I was still shocked to see her hair so short. When the shock wore off, I said, “Hi, Annie.” She glared at me. “What did you say?” Taken aback by her sudden anger, I stuttered, “I . . . I just said hi.” “Yeah, right,” she said sarcastically. Not knowing what else to say, I said, “Your hair is cute.” “Cute!” she said in a tone that made me shutter. “Cute! You call my hair cute?” I thought maybe she liked it better long, so I said, “Oh, it was also beautiful long, and I like it that way, too.” “So, my hair was beautiful long, but it’s only cute when it’s short?” “Are you upset about something?” I asked. “What makes you think I’m upset, and what business is it of yours, anyway?” she asked. I tried to be nice and say anything I could to appease her, but she just grew angrier and angrier. Finally, she was up almost in my face. She scooped water out of the sink, splashed it all over me, and stormed out. I thought about how disappointed David was going to be in me that I had made Annie angry. Not too long after that, David walked in. “David, I’m sorry,” I said. “I made Annie angry, and I just made things worse when I tried to . . . “ I stopped. Annie walked in behind David. Her hair was long and beautiful, and she was dressed normally. I was shocked. “But, Annie, your hair is long and beautiful, and your clothes are nice!” “Thank, you,” Annie said, sweetly. “Did you like Angela?” David said with a laugh. Annie turned to him. “Oh, David, you didn’t?” I was still in shock. “You’re twins?” “Triplets, actually,” Annie said. “Amy and I try to look alike, but Angela gets mad when someone mistakes her for one of us. I try to warn my friends before they meet her. You didn’t call her Annie, did you?” I nodded. David laughed again and said, “April Fools on you, my friend.” Spring nce Da all Utica H -11PM 13 • 7 th ril turday, Ap e & Mike tes Sa Favori uli J ospel try and G ssic Coun Cla ge Char 10 Cover Door $ At The Get Ready To Kick Up Your Boots! Speak up for Family Farms Saturday, April 13 5 p.m. to midnight Yankton County 4-H Building 709 Whiting Drive • Yankton, SD 5:30 - Freewill donation meal 7 p.m. - Guest Speaker - Trent Loos 8 p.m. - Live/Silent Auction 10 p.m. - BS Band An evening of education and awareness to save our family farms. Get to know your farm neighbor. http://familiesfeedingfamilies-agvocacy.com/events WE S LD S S S S LD LD S LD LD D S LD S L S LD LD S LD IT IN THE DS CLASSIFIE Bring more shoppers to your door with locally focused advertising from the experts. Your Ad Here! MV Shopper In Print and Online! Call 665-5884 MV Shopper M I S S O U R I VA L L E Y M I S S O U R I VA L L E Y