July 16, 2019 • Page 2 shop online at www.missourivalleyshopper.com Chico Dave Says Honesty and Togetherness Dear Dave, I’ve never hidden debt from my husband, but I do hide money from him on occasion. I don’t hide it for my personal use, but I have been setting money aside for emergencies without his knowledge. He’s not terrible with money, and he works very hard, but he always seems to find something to spend it on. We were never able to save much of anything before I started Dave doing this, but recently I’ve begun to feel bad about doing it. Can you give me some advice? Penny RAMSEY Dear Penny, I’m glad you seem to be re-thinking this strategy. I believe in saving up for emergencies and having an emergency fund of three to six months of expenses in place. But deception in any form is never a positive thing in a relationship—especially a marriage. I know it won’t be easy, but you have to let him know what you’ve been doing. You also need to make sure you tell him in the right way. Even though your intentions may have been good—getting into better financial “I took Duckworth to the dog show up in the city last weekend,” Dud said. The other members of the Mule Barn truck stop’s world dilemma think tank and philosophy counter just looked at him. Doc put it gently. “Dud, was this so he could get some inspiration on looking good?” Duckworth was a medium-sized dog that found Dud while Dud was walking and thinking about the novel he’s writing. No one answered the ad he put in the Valley Weekly Miracle, so he was henceforth known as Duckworth, for some reason Dud seemed to want to keep to himself. To be honest, Duckworth looked like he fell out of the ugly tree and hit every branch on the way down. “No, I was going to enter him in the dog show,” Dud said. “Took him right up to the registration table and tried to get him in a class. The lady there looked at ol’ Duck and asked to see his papers.” Dud grinned. “I told her they were back home on the floor of the laundry room. She didn’t think it was funny.” Now Duckworth had been introduced to the other dogs in the group at the sale barn, as is the custom, and Dud’s pals had been hesitant to ask much about him. Duckworth looked like something put together by a committee with a sense of humor. Oh, he was a dog … no doubt about that. But what kind of dog was he? It made for interesting coffee speculation, that’s for sure. “You know,” Dud said, “Anita was against me getting any kind of dog until Duckworth came along. When I explained to her that Duckworth was a bird dog … a duck dog, actually, and that he’d help me bring more birds home, she finally gave in.” “He’s a bird dog?” Steve said. “What kind?” “Now that’s what that dog show lady asked me, you know? I had to explain to her about canardly terriers, because she wasn’t familiar with them.” “Canar…” “Canardly terriers, you betcha,” Dud said, grinning, “why, I’ll bet you canardly tell what kind of terrier he is!” Thank You I want to thank everyone who came to my birthday party, sent cards, called and gave me gifts. A special thank you to my children for a beautiful day. Marlene Ackerman DIXON COUNTY FAIR CONCORD, NEBRASKA August 1st - August 4th, 2019 NO COOLERS ALLOWED ON FAIRGROUNDS QUESTIONS? r.com countyfai Online: www.dixon 26 402-355-ice: 86 Fair Off 402-584-2232 Admission to Grounds: By Daris Howard My daughter, Elli, was going to a music camp in Sun Valley, Idaho. Donna, my wife, would be spending the week with Elli there because I had to work. Sun Valley is an expensive town, so hotels were beyond our means. That meant that they would need to camp. I towed the tent trailer up there on Sunday and helped them set it up. I connected the water and power for them and did everything I could to make sure they were as comfortable as possible before I headed back home. Before I left, a camper pulled into the spot beside ours. We greeted the new neighbors, an older couple, and became instant friends. Their little dog was friendly and seemed to be very smart. “What’s his name?” Elli asked. “Chico,” our neighbors answered. I know limited Spanish, but Elli had taken it in school. She interpreted for me. “That means ‘boy’ in Spanish.” “He’s a little male dog,” the husband said. “That’s why we chose that name.” I had a three-hour drive home, so I left. When I came back in the middle of the week, Elli had to show me some things. “Watch this, Dad,” Elli said. Elli then held out a little food to Chico and said, “Mendigar.” Chico sat up with his little paws curled in front of him. Elli gave him the food. “Mendigar means ‘beg’ in Spanish,” Elli told me. Elli said a lot more words I didn’t know, and each time she did, the little dog would respond with an action. Chico would roll over, lay down, or a play dead. He even danced on his hind paws. “He’s really smart,” Elli said. “And our neighbors told us a funny story about him.” Elli said the neighbors had been vacationing in Mexico when they first saw Chico. The man who owned him had lots of dogs. He trained the dogs and then sold them to tourists. The couple had watched the dogs do all sorts of tricks, and they fell in love with Chico. He was smart and cute. “He beg, sit, roll, bark, and many other thing,” the trainer said in broken English. “You just say word.” The trainer gave them a list of words the dog would obey, then the couple paid the trainer and took the little dog with them. They named the dog Rusty. When they got back into the United States, they decided to test out their new pet’s skills. They tried every word on the list the man had given them, but the little dog just stared at them. The husband grew increasingly frustrated. Finally, he said, “This dog doesn’t do anything. Maybe he’s not as smart as we thought. We ought to return him and get our money back.” “But we know he does those things,” the wife said. “We saw him do them.” They both stared at the list for a moment and then, almost at the same time, they realized the problem. The trainer had struggled speaking English, and they noticed that even though the list contained English words, it was poorly written. They concluded the trainer had probably trained the dog in Spanish, and the list was simply in English for the customer. They looked up the words in Spanish. “Sentar,” the husband said, and the little dog sat. “Mendigar,” the wife said, and the little dog begged. Elli told me that some words had more than one Spanish equivalent, and sometimes the couple had to try more than one to get the right word. But eventually, they figured out all the Spanish words. And that was when they decided to change the dog’s name to Chico. “After all,” Elli said, “the dog doesn’t speak English.” shape— you’ve deceived him by doing it the way you did. Make some time for just the two of you. Sit down with him, and let him know what has happened and that you’re sorry for not being completely honest about it all. Explain that the reason you hid the money was that you didn’t want to speak up about how it was being handled in your marriage. Ask him to forgive you, and let him know you won’t do it again, but explain, too, how important it is that the two of you work together on saving more, spending less, and getting control of your finances. Managing money in a marriage is a “we” thing. Decisions should always be made—here’s that word again— together. It means you each have a vote, and it also means you should stand up and vote “no” if he wants to spend money on something silly when you don’t have your financial house in order! —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. Dakotas Housing Study Results Shed Light On Aging In Place BROOKINGS, S.D. - SDSU Extension and North Dakota State University Extension recently teamed up to conduct the Dakotas Housing Study, which showed that housing appropriate for successful aging in place is largely absent in both states. Over 600 people across North Dakota and South Dakota participated in the study. “The purpose of this project was to explore how residents think about housing and aging in place,” said Leacey Brown, SDSU Extension Gerontology Field Specialist. “What this tells us is that many older adults who plan to remain in their homes may have a difficult time accomplishing their goals.” Strategies to build homes that are suitable for aging in place are known, but implementation has been sparse. Lack of consumer demand is a common reason for aging in place ready homes not being built. The results of this study suggest consumers may have greater interest than housing industry professionals realize. “I think it would be an important step for all new houses being built to follow a code to help accommodate individuals with disabilities. Even though I don't have an immediate family member with a disability, I'm sure I will at some point,” one participant stated. Design strategies, such as universal design, that can create aging in place ready homes without the stigma or limitations of accessibility, are largely unknown to most residents. “What sets universal design apart from accessibility is that it is meant to meet the needs of people taller than average, shorter than average and with and without disabilities. For example, a countertop lowered for a wheelchair user would not be comfortable for other members of the household,” said Brown. Most study participants were unfamiliar with universal design. “We hope results of this report will help to expand the discussion on housing in South Dakota,” said Brown. The report includes the results of the research project and recommendations for individuals, families and community leaders on how to increase the availability of homes in South Dakota that allow older South Dakotans to accomplish their goals. For more information, contact Leacey E. Brown by PIERRE, S.D. – Govemail or the SDSU Extension Rapid City Regional Center ernor Kristi Noem today at 605.394.1722. announced that Thomas Steckel will serve as Interim Commissioner of the Bureau of Human Resourc(feather, foam, down, etc.) es (BHR). This follows the In & Out the Same Day s of appointment of current e Typ lows Friday, July 19th BHR Commissioner Laurie All Pil Link Auditorium • 5th & Capitol Gill as Secretary of Social Doors are open from 8am-3pm Services. Steckel’s appointed ed B Make your pillows look like new ment is effective July 9, lean C Cleaned • Sanitized/Deodorized 2019. 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In this role, he has managed the budget and execution of the State Employee Health Plan program and worker’s compensation program. 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 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