School Daze

September 23, 2021

You have HOW MUCH in student loan debt?!?  Well, did you know you can pay a mere $5 a month for the next year Read the rest of this entry »


National Adult Education and Family Literacy Week

September 21, 2021

What is National Adult Education and Family Literacy Week?
September 19 to 25 is National Adult Education and Family Literacy Week. This week focuses on public awareness and understanding of the essential role of adult education and family literacy in the workforce.


Why is literacy important?
Statistically we find that illiteracy leads to a multitude of socioeconomic problems.
Illiterate adults are:
• 2x more like to be unemployed
• 3x more likely to be in poverty
• 4x more likely to be in poor health


At LSS Center for New Americans, we serve an average of 793 adult English language learners every year. We offer courses in English language acquisition, cultural orientation, workforce training, job interview skills, and citizenship education.


Adult education is essential for workforce development. Statewide statistics show that adults who complete a course have a 54% employment retention rate after 6 months.


For more information on a state level, here is Governor Noem’s press release this past week: https://news.sd.gov/newsitem.aspx?id=28528.


As teachers, here at Center for New Americans, we are very blessed to continue to help our students reach their goals and become productive, successful members of our society.

Written by Heather Glidewell | LSS Center for New Americans | Adult ESL Instructor
300 East 6th Street, Suite 100 | Sioux Falls, SD 57103
1-866-242-2447 toll free | 605-731-2059 fax


Can’t live with them, can’t…… well, you know

September 16, 2021

I once had a conversation with a young lady that was in one of my classes.  She had applied for a car loan, and the lender asked her about a credit card she hadn’t noted on her application. She wasn’t aware she had a credit card, but a little digging found that the card had been opened in her name when she was only 6 months old.  They were even making the payments on time.

When I asked  if she was going to pursue legal action as many of us would assume, she explained that she didn’t think so. The perpetrator was a family member.  Her grandmother.

Wow.  We usually think of someone off in Russia, Africa, or anywhere else other than here doing all of the identity theft via hacks and phone scams.

Unfortunately, family members are among the most common perpetrators of identity theft.  Think about it.  We generally trust them to the point that we are willing to leave our personal information with them.  Even if we don’t intentionally do it, we let them visit our homes and don’t even think to secure our information.

id theftUnfortunately, this is also why a large portion of identity theft goes unaddressed.  In order to have it cleaned from your credit history, you have to file a police report.  When it is a family member, many people refuse to press charges or even report that the theft happened.  They have a sense of loyalty to their family member, even though it is obviously not reciprocated.

So you haven’t used your credit card at one of the stores that have been hacked.  You have been so careful about giving out any personal information whatsoever and certainly not over the phone.

 It doesn’t mean you can’t be a victim. Fortunately, I haven’t been in that situation.  No one has stolen my identity, let alone family.  I can’t pretend to know what is right at that moment.  Only you can make that choice when it actually happens.

But before you make up your mind, consider what that negative credit history can impact: access to loans, opening a checking account, getting a job, getting an apartment, cell phone, or utilities and even your insurance rates.  Yes, insurance companies charge those with bad credit higher rates. One of the steps you can take to prevent identity theft is to lock down your credit file.  This means no accounts can be opened unless a PIN is provided.

Pulling your credit report is free through AnnualCreditReport.com.  Even if you choose not to press charges against your family or anyone else that steals your identity and financial well-being, at least know what is on your report.  You can plan accordingly rather than being surprised when you are already moving in a direction that is no longer available to you. 

 If you find your identity has been stolen and aren’t sure where to even start, at least talk to a non-profit credit counseling agency.  We can help you to address the situation, and talk about steps to begin the process of rebuilding.  You can have someone to walk through that process with you by scheduling an appointment with a counselor at the Center for Financial Resources either online at www.lsssd.org or by calling us at 1-888-258-2227 .  The decisions, uneasy as they may be, are yours to make.  We’ll just lay your options out and walk with you.

Written by Sylvia Selgestad, Financial Counselor and Educator

Photo credit: blogspot.com

LSS Center for Financial Resources
Consumer Credit Counseling Service | Housing Resources | Sharpen Your Financial Focus | Financial Fitness Education
705 East 41st Street, Suite 100 | Sioux Falls SD 57105-6047
605-330-2700 or 888-258-2227
www.LssSD.org
Strengthening Individuals, Families & Communities

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Our House

September 9, 2021

Our House…

…Is a very very very fine house. Or is it in the middle of our street?  Either way, as a homeowner, you need to be thinking about what’s just around the corner. Read the rest of this entry »


Choppin’ Broccoli

September 2, 2021

I’m probably dating myself here, but for those of you on the planet for awhile, you may remember Dana Carvey on SNL and his Choppin’ Broccoli song.  If you don’t know it, do yourself a favor and hit the Google. Read the rest of this entry »


Help! I need somebody!

August 19, 2021

In case you weren’t aware, right now there is a lot of help available to those who have Read the rest of this entry »


Christmas All The Time

August 12, 2021

How’s that Christmas shopping coming? Read the rest of this entry »


Bring It On! Hybrid Classes: Making it Work

August 10, 2021
The OWL allows students to see, hear, and communicate during hybrid classes.

For the past several weeks, students have been slowly filling our hallways and classrooms again. Yet, it is a quiet transition, with only a few in-house spots available while the majority of students remain online.


This hybrid design was proposed to help students remain in English classes while still allowing for social distance and safety. Currently students are given the option of in-house or online attendance.


Creativity has made this model work for our students. Online students attend classes via Zoom while in-house students are able to see and communicate with the online students via OWL and projector. Additionally our volunteers are also still able to assist in the classroom via Zoom and are happy to help in any way.


“The hybrid model has been a learning curve for sure, but the students are engaged and we are happy that we can accommodate their need for both in-person and online instruction.”
-Kate Harris: Adult ESL Instructor and Career Navigator


There are benefits for both the online and the in-house model. Online classes provide students who otherwise could not attend due to health issues, child care issues, work schedule issues, etc., the ability to still receive quality instruction. The in-house model gives the benefit of a more traditional classroom, face-to-face instruction, interaction, and no need to rely on technology. Regardless, opening up the hybrid classes has added a new and exciting dynamic to our classrooms.


The hybrid class is challenging but we say, bring it on!


Written by Heather Glidewell | LSS Center for New Americans | Adult ESL Instructor
300 East 6th Street, Suite 100 | Sioux Falls, SD 57103
1-866-242-2447 toll free | 605-731-2059 fax


You Can’t Always Get What You Want

August 5, 2021

To paraphrase Mick, “you just might find, you get what you need.” A lot of us think, “If only I made more money, life would be so much easier.”  It would be nice not to worry about money, but let’s be honest.  Read the rest of this entry »


The Circle of Life

July 29, 2021

What’s the first thing you thought of when you read that title?  The Lion King? Something else? Circles are everywhere in our lives, vicious circles, circles of life, truth etc. Read the rest of this entry »


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