May 26, 2015 • Page 2 shop online at www.missourivalleyshopper.com Dave Says El Nino Partially Responsible for Extra Moisture Couples Budget Together By Dave Ramsey Dear Dave, I have a question about budgeting. I give myself and my husband $150 a month each for blow money to be used on whatever we want. I’m upset because he spends all his eating out, then he buys other things he wants that he has no money for. Am I being too stingy? — Cheryl Dear Cheryl, I think you guys are handling your money poorly. You’re acting like his mother instead of his wife, and he’s acting like a little boy instead of a man. You don’t want to give your husband an allowance and then not be happy when he spends money “he didn’t have” because he went over what you dictated to him. That’s a bad budget process. The budget process, if you’re the nerd in the family, should start with you writing it all out. Then he sits down with you, has an equal say in the decisions and you two okay it together. He needs to understand that this is you asking him to man-up and be part of the decision-making process, so that you can both be in agreement as to what’s best for the family. In one sense, you may not like it at first, because right now you’ve got control of things. But in another sense, I’ll bet you’re pretty If you read this you know... advertising pays! tired of carrying the weight of all the financial decision making and being the only adult in the household. He doesn’t even have to work on all that much. I want you to lay it out, but I expect him to sit Dave down and go over it all with you. You’re not asking him to be an accountant with a pocket protector, but you have every right to expect him to be in on the decisions that are made about your family and your finances! —Dave Ramsey On The Move? Dear Dave, My wife and I are debt-free except for our home, and we’re currently putting money aside for our fully loaded emergency fund of three to six months of expenses. Currently, we have our emergency fund account in the same bank as our checking and savings accounts. Do you think we should move it to a different bank? —Steve Dear Steve, I wouldn’t worry too much about 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 For Sale Bred for calving ease & growth. Performance tested, guaranteed. Out of top bloodlines in the Angus breed. Call: Hauger’s Stock Farms IRENE, SOUTH DAKOTA Steven: 605.263.3774 BROOKINGS, S.D. - Since the beginning of May, precipitation conditions across South Dakota have changed generally for the better, becoming quite wet in certain areas of state, said Dennis Todey, SDSU Extension Climate Specialist and South Dakota Climatologist. “During the month of May, some places in the west have seen three to four times the precipitation they had seen since January,” Todey said. The latest climate outlooks, released May 21, 2015 from the National Oceanic and Atmospheric Administration’s (NOAA) Climate Prediction Center keep with that same trend of nearer average, to wetter than average, conditions over much of the state. Todey explained that due to a dry winter and early spring, South Dakota entered the month of May with growing drought concerns; and rapidly increasing U.S. Drought Monitor coverage and intensity. “The precipitation total across South Dakota were the lowest on record statewide for January through April,” he said “leading to quickly building dryness concerns.” Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books. The Dave Ramsey Show is heard by more than 8.5 million listeners each week on more than 550 radio stations. Dave’s latest project, EveryDollar, provides a free online budget tool. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Dr. Bob Thaler to Receive 2015 Governor’s Ag Ambassador Award Call the Missouri Valley Shopper at 665-5884 or stop by to place your ad today! 319 Walnut St. • Yankton MV Shopper Registered MV Shopper Angus Bulls that if I were you. The only exception to that might be if you had loans that you owed to that same bank. Then, I would probably move my emergency fund out of there just in case something went wrong with the loans. Some commercial loan documents now give the bank the right to take money out of your account to pay the loan — without your permission. If you had a car loan, for instance, with that particular bank, I wouldn’t keep a bunch of money in that bank. They normally don’t do that unless you’re way behind on the bill — and then it gets pretty adversarial. Sometimes there can be things like a simple clerical error, and there’s no chance of that happening if the money’s in another bank. But in your situation, I don’t see any harm in you being there. —Dave PIERRE, S.D.-Dr. Bob Thaler of Brookings, S.D. will be awarded the 2015 Governor’s Ag Ambassador on Friday, July 10, at the annual Governor’s Agricultural Summit in Deadwood. “I’m proud to recognize Dr. Thaler and his many years of dedication to agriculture in our state,” said Gov. Daugaard. “He has exemplified all the key achievements of Ag Ambassador. Dr. Thaler has influenced many young producers throughout his career in agricultural education and has contributed to the livestock industry through his extensive board participation.” Dr. Thaler has been a professor and South Dakota State University (SDSU) Extension Swine Specialist for 26 years. He played a critical role in raising funds for the future SDSU swine research facility. He twice earned the “Dedicated and Distinguished Service Award” and was last year awarded the Pork All American from the South Dakota Pork Producers. He has served multiple terms on the National Pork Board’s Swine Educators Executive Committee. Dr. The Late LaVerna & Erwin Esterling Estate & Guest Consignor AUCTION LOCATION: In the Burke Civic Center on Main Street in Burke, South Dakota The Estate of Erwin and LaVerna Esterling & Guest Consignor will be offering at auction a large collection of personal property. All items are very clean, usable personal property. Please do not miss this auction as there is something for everyone! This is a large auction and 2 rings may run for part of the auction! Hope to see you on sale day! Something For Everyone! Sunday, May 31st at 10:30 AM Thaler has also taught multiple classes at SDSU helping prepare future farmers and ranchers, and was recognized as the Ag-Bio College’s Teacher of the Year twice. “Agriculture has a tremendous advocate in Dr. Bob Thaler,” said South Dakota Secretary of Agriculture Lucas Lentsch. “Growing up in Wagner, he has chosen to give back to his home state through education and advocacy. Dr. Thaler is a well-respected partner in our livestock industry.” Key Achievements of the Ag Ambassador: * Provides visionary leadership to South Dakota’s agricultural industry. * Champions growth and prosperity of the state’s number one industry. * Advocates for agricultural practices and responsible stewardship of livestock Book 59 and land; and highlights the significance of South Dakota agriculture to #1 global Sudoku our food system. 1 * Influences decision makers to develop and im4 3 plement sound agricultural 7 policies. This is the fifth year a Governor’s Ag Ambassador has been recognized. To 5 learn more about the award, visit http://sdda.sd.gov/ 1 office-of-the-secretary/agambassador-award/default. 6 9 aspx. To pre-register for the Summit, visit2 8 www.sdagsum6 mit.com. SDDA n 30-Day Outlook The newly released NOAA 30- and 90-day climate outlooks continue to indicate wetter than average conditions are more likely for most of the state through the summer. “The June to August outlook, in particular, has above average precipitation chances likely over most of South Dakota and the Great Plains,” Todey said. “The June outlook has wetter chances just in southern South Dakota.” Temperature outlooks are listed as equal chances for below or above average for both the next 30- and 90-days. Assuming the wetter conditions do occur, Todey said nearnormal to cooler temperatures are more likely to exist for the summer. “Rarely do warm and wet conditions occur together during the warm season in the Plains,” Todey said. El Nino El Nino in the Pacific is impacting much of the outlook. “El Nino is developing, which seems very likely to strengthen and persist through the summer,” Todey said. El Nino’s are more typically a winter phenomenon, Todey explained, strengthening in the fall and weakening in the spring. “This El Nino is acting quite the opposite of usual strengthening through the spring,” he said. “The impact of the likely wetter conditions will be to continue to reduce the precipitation deficits still existing in some places of eastern South Dakota.” The newest U.S. Drought Outlook concurs with this idea, showing drought reduction as likely in areas still listed on the U.S. Drought Monitor map. “The increased precipitation totals should generally be good for agricultural production for the year after the dry fall to spring period,” Todey said. “Soils still have some deficits in the east to overcome. Thus, the additional precipitation is still needed.” He added that excessive wetness has not been too Challenging Sudoku Puzzles by KrazyDad much of a problem yet, but will have to be monitored in some areas of the state. “The change to wetter conditions will also likely increase disease potential for various crops Sudoku #2 as the growing season progresses,” he said. niGrow 7 9 6 2 9 8 MV Shopper CLASSIFIEDS 8 Quilts, Bedding, Blankets, Many Homemade Quilt Tops, Afghans, Craft Items, Sewing Supplies, Table Cloths, Hand Embroidered Dish Towels/Pillow Cases/Tea Towels, Quilting Frame, Towels, Books, Guest Consignments Matching Frigidaire Washer & Dryer, Christmas Decorations, Coin Counter, Exercise Machine, Candle Holders, Tapes/Music/Movies, Stereo Electronics, China, Knives, Singer Sewing Machine, Telescope, Copper Pots, Pans & Molds, 10 Speed Bike, 3 Speed Bike, Dirt Devil Vacuum TERMS: CASH NOT RESPONSIBLE FOR THEFT OR ACCIDENTS SD Sales Tax is applicable! 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Sudoku #4 Sudoku #3 M I S S O U I VA L L E Y 3 1 4 8 7 9 9 6 2 8 3 5 6 9 1 7 2 5 2 1 9 7 8 3 6 3 5 7 8 2 4 5 1 9 4 8 6 5 3 1 2 7 7 1 9 2 8 4 3 5 5 3 4 1 7 9 6 8 6 9 5 3 1 2 7 4 1 7 2 4 9 8 5 6 CHALLENGING 2 4 8 7 6 3 9 1 2 6 9 2 Last Tuesday’s 3 2 4 6 5 8 2 5 9 3 1 9 8 4 7 1 6 7 Sudoku #5 3 9 1 7 6 8 5 4 2 6 5 7 9 4 2 1 8 3 4 2 8 3 5 1 9 7 6 Wanted: 9 1 6 5 7 3 4 2 8 • 4 1 Cars 8 3 Old 2 9 6 5 7 7 2 4 8 6 3 9 • 5RV Motorhomes1 4 5 8 3 7 2 6 •1Farm Machinery 9 2 8 3 6 9 4 7 1 5 • Irrigation1 Systems 7 6 9 2 5 8 3 4 5 5 4 9 Sudoku Solution #3 4 6 5 1 2 8 9 7 1 9 6 5 3 8 2 3 8 7 9 4 1 5 4 6 9 3 1 7 1 8 3 4 7 2 6 9 7 2 8 6 5 4 6 5 4 3 1 7 2 3 9 1 2 8 6 5 8 2 7 5 4 9 3 Intermediate Sudoku Puzzles by KrazyDad 7 4 6 Sudoku #2 2 4 7 1 8 6 9 8 6 9 2 5 3 7 5 3 1 7 9 4 2 1 8 3 4 2 9 6 4 2 5 6 7 8 3 7 9 6 5 3 1 8 3 1 4 9 6 2 5 © 2008 KrazyDad.com 6 BOOK859 #3 1 4 7 CH 5 2 9 7 8 3 1 5 4 1 8 3 5 4 1 8 6 5 7 1 9 2 4 7 8 9 3 6 2 su do ku Sudoku #4 8 3 2 5 9 7 6 4 1 3 2 8 7 5 9 6 4 1 © 20081 8 6 9 3 5 KrazyDad.com 4 7 5 2 8 6 9 2 3 7 1 4 5 9 8 4 6 2 3 1 7 8 5 9 6 BOOK 59 2#3 4 1 7 3 6 9 3 4 4 5 2 7 1 3 5 8 7 1 2 6 8 9 1 7 8 2 9 6 3 Check next Tuesday’s paper for the solution to today’s puzzle. INT Sudoku #6 3 7 9 2 8 5 6 1 2 4 1 6 6 3 2 7 9 8 4 5 5 1 7 3 4 2 8 9 1 6 5 4 7 9 3 8 4 5 GUBBELS SALVAGE • Any Type of Scrap Iron Sudoku #7 6 9 4 8 7 1 5 3 • Grain Bin2 Removal 7 8 2 5 1 3 4 6 9 Paying 4 6 9 7 8 2 Top Dollar 3 5 1 2 8 9 7 5 Will Pick6Up 4 1 3 4 7 9 1 3 1 3 6 2 8 7 6 5 4 6 2 8 5 9 7 4 8 9 3 5 7 8 4 2 1 6 9 7 6 3 2 1 5 5 6 2 4 8 3 9 1 3 7 4 8 1 5 7 9 6 2 1 7 9 5 6 2 3 8 4 4 4 2 9 1 2 8 1 3 6 7 Too 3 many mouths to feed? 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