April 18, 2017 • Page 2 shop online at www.missourivalleyshopper.com No Connoisseur of Style Dave Says By Daris Howard Family and Business Don’t be House Poor! Dear Dave, My husband and I own a small business. One of our relatives asked for Dear Dave, a job recently, and we both have res- I read where you recommend having your house payment or ervations about hiring him because rent at an amount that’s 25 percent or less of your monthly takethere are several dysfunctional rela- home pay. Does this figure include property taxes and insurance tionships and personalities within our too? extended family. Are we being mean? Mark We’re not sure how to respond. Becky Dear Mark, Yes, it does. I’m trying to keep you from being “house poor.” Dear Becky, Did you know you can qualify for a house payment, with taxes Having a small business doesn’t give and insurance, that’s close to half of your take-home pay? That’s relatives a free pass to employment. ridiculous! When you don’t have room in your budget to do anyAs entrepreneurs, you have the right thing else that matters because your house payment is so large, Dave and responsibility to do what’s best for your that’s what we call house poor. company. And you don’t have to hire anyone When your income minus your basic living expenses equals al— even a relative — who’s not a good fit. most nothing, it means your basic living expenses are way too There are situations where hiring a family member can actually high. Being in this kind of situation keeps you from saving for rebe a plus. If a relative is qualified and the kind of person who ally important stuff like investing, retirement, and college for your understands they’ll have to bust it every single day and perform kids. I’m trying to position you where you can get the house and at a level equal to or above your other team members, that can everything paid off so you can become wealthy. Remember, your be a special and productive thing. A relative who is a problem most powerful wealth building tool is your income. child, however, can be a nightmare in both your professional and When we talk about driving a crappy car, not going out to eat, personal lives. or not going on vacation — those are temporary things. It’s all Ask yourself a few questions: Would you hire this person if they about living like no one else, so that later you can live and give weren’t part of the family? Would you hire this person because like no one else! they would make a good team member? If the answers are no, — Dave then you don’t hire them — period. Be kind about the situation, because there may be some bruised feelings. But the bottom line is you have to do what’s best for * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven bestyour business, your immediate family, and your team. selling books, including The Total Money Makeover. The Dave — Dave RAMSEY 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. State Launches New Job Search Site Sunday, April 23rd YANKTON SCRAMBLERS MOTOCROSS RACE See It To Believe It! Practice 9:30AM • Race 11:00AM Call 665-3500 www.scramblersmx.org Admission $7 • 5 & under Free Concessions Available (Not responsible for accidents to spectators or riders) SCRAMBLERS CYCLE CLUB 8 miles W. on Hwy. 50, then 1/4 miles S. on Hwy 52 PIERRE, S.D. – The Department of Labor and Regulation (DLR) has launched a new version of its jobs database and management information system, SDWORKS. The new system is a virtual one-stop to assist job seekers, employers and staff. “We needed to upgrade our technology to offer users the best customer service experience,” said state Labor and Regulation Secretary Marcia Hultman. “The new SDWORKS provides greater access to job services and is much more intuitive.” The updated system is built around a common language and real time data. Employers will post openings by the specific skills and competencies required for the job, instead of generic job titles and generic descriptions. Job seekers will have a tool to translate their resume into those same skills and competencies. “This new system truly is state-of-the art,” said Secretary Hultman. “I’m excited about the job matching capabilities available to the public, along with the improved case management and reporting system to help our staff meet federal performance requirements.” Account and log-in information will typically remain the same. To register or post a job to SDWORKS, visit sdjobs.org or a local job service office. TYNDALL MOTORS Family trees are like other trees. They need water. I am no connoisseur of style. I will be the first to admit that. I realized as much a year or so ago when a student told me my shirt was “so in” and wanted to know where I bought it. I realized it was a shirt that my mother had purchased for me in the 1970’s. But the realization of how bad my understanding of elements of style was hit its high point many years ago. I have taught at a religious university for almost thirty years. One important part of the commitment students sign is to meet a certain dress code, which includes a slightly higher standard of dress. As a faculty member, one of our jobs is to remind the students when they start to move away from that standard. Thirty years ago, just before school began each semester, the student body officers would help those of us who were style deficient. Some would dress in appropriate clothing and some in inappropriate to help us understand what the new styles were and what was allowed and what was not. As a new, young faculty member, I always relied heavily on these demonstrations. Otherwise, I would not have the faintest idea what something like culottes were. (For those of you who are like me and don’t know, a culotte is a skirt, split like pants.) As the years went by, the student body officers decided that we didn’t need to have a demonstration every semester. They cut the demonstrations down to only the fall of the year with updates sent to us through our department chairmen. But then came the electronic age, and it was decided that instead of having demonstrations, they would just send out an email we could share with our class. I will never forget the first one. I was working in my office finishing up a few last-minute preparations for my class. My email beeped and the message subject said it was from the standards office regarding the dress code. I opened it, and in big letters it said, “Read this to your classes.” I quickly printed it off, stuck it with my other material, and returned to my work. I should have read it, but I didn’t. I finished preparations for my class just in time. After class had started, I informed my students about the email I had received and that I was supposed to read it to them. I then read it. “With summer coming, we at the honor office would like to remind students of the proper dress code for footwear. Though sandals that buckle around the back of the foot are allowed, flip-flops are not proper dress and are not allowed.” I paused. I had never heard of a flip-flop before except in reference to a politician who changed his position on an issue. Reading it with respect to clothing was like reading a foreign language. I read it to myself a couple of times to make sure I had read it correctly. Once I was positive I had, I looked up at the class, who seemed to be waiting expectantly for me to continue. “What in the world is a flip flop?” I asked. A girl on the front row held up her foot. “Professor Howard, this is a flip-flop. I didn’t know they were against the dress code. I won’t wear them anymore.” I looked at what she was wearing and said, “That’s a flipflop? When I was young, we called those things thongs.” The girls blushed and said, “That’s not what a thong is anymore.” I learned some important things that day. I learned that if I don’t know what something is, I don’t ask. I now know what a thong is, and it would probably be better if I didn’t. I learned to read the emails before I take them to class. And I also learned that if I don’t know what something is, I ask my female colleagues who kindly explain it to me. But the biggest thing I learned was that I am the king of all style-deficient people. 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