Why You Check Your Credit (Even If You Know It’s Fine)

October 18, 2018

No matter how many lines of credit you have open, you know your credit is fine.  You make all of your payments on time.  Heck, there are months you don’t use some credit cards and so you don’t even owe anything to make a payment on.  Maybe you do owe some money, but you are current on everything.  It’s all good.  No worries.  Right?

Well……  You may still want to check on that.  Here’s why. Read the rest of this entry »


Settlement or Management? Which is Right for You?

October 12, 2018

So you’ve run up a little credit card debt.  How much do I mean by ‘a little’?  Well, I’m not really sure, but enough that you are aware of it.  For the sake of this blog post, let’s say it’s enough that the minimum payments are perhaps a struggle some months.  Maybe it’s even enough that you are not making payments because you can’t afford them that month.

Well, let’s talk about your options for dealing with debt. Read the rest of this entry »


The Seinfeld of Blog Posts – All About Nothing

October 4, 2018

I got nothing.  Today is my assigned blogging day for the week.  I’ve known it was coming.  I’ve had other stuff to do, but the blog has been in the back of my mind.  Usually I have at least an idea of what I’m going to write about.  But today I’m blank.  Empty.  I’ve even put everything off to the side to solely focus on my blog; I’ve really given it some thought.   And yet here I sit, writing to you about how I don’t have anything to write about.

So, I guess…..let’s pull the old Jerry Seinfeld and do a blog about nothing and maybe talk about money while we do it.  Ready?  Here we go.  Read the rest of this entry »


Better Than Magic

September 25, 2018

Do you know who is most likely to steal your identity and put negative items on your credit history?  I’ll give you a hint.  It’s not a ‘prince’ in some foreign land.  It’s not even some guy named ‘Dave’ in a country that spans both Europe and Asia.  It’s not some pasty white hacker sitting at a computer in their basement wearing a black hoodie.  No, it’s not any of those creepy crawlers out there.

  • Who knows all of our information?
  • Who do we invite into our homes and give access to all of our information?
  • When it does happen, a police report is needed to clean up the identity theft.  Who are we least likely to file a police report on?

That’s right, it’s FAMILY! Read the rest of this entry »


Cheap? Free? Maybe. Maybe not.

September 20, 2018

As promised in an earlier blog, here it is.  The big scoop.  The source of excitement.  The opportunity I couldn’t turn down.

Many years ago at Scout camp, I learned to sail a small boat and I really enjoyed it.

Fast forward a few too many years and I was gifted a very small sailboat by a camp that didn’t want it any more.  Before I could get it back to ship-shape (see what I did there?), we decided to move back to South Dakota.  With the move and a new child, I handed the boat off to another family before I was able to get it on the water.

Quite a few more years down the road, and I was presented with an opportunity to buy a sailboat that a camp in Iowa didn’t want any more.  And so, I am now the proud owner of my very own 16-foot sailboat.  I’m excited! Read the rest of this entry »


But wait! THERE’S MORE!

August 30, 2018

2 seconds.  4 seconds.  1 second.  My coworker, Randy, has noticed an interesting trend around the office.  After he pointed it out, I was surprised (not by the fact that Randy was actually right) by how often I found the same thing.

See, we have two different microwaves on our floor for employees to use to heat up breakfast, lunch, a snack, or coffee that sat around a little too long.  And it’s amazing how often people set the timer and then just can’t wait for the last couple of seconds before they have to pull their newly hot item out of the microwave.  2 seconds?  Really?  You couldn’t wait that long for it to actually be done?!? Read the rest of this entry »


What A Gift!

August 23, 2018

I have to share with you – I recently got one of the best gifts I’ve gotten in a long time.  One of my coworkers came into my office and shared that her son had a gift for me.  It was a bit of a process figuring it out because he wasn’t even entirely sure of my name.  He just knew it was for “that really tall guy in your office.”  Well, that pretty well narrows it down to me.  He was apparently very serious and very convinced that that gift was for me and only me.

So after the story and all of the buildup, she finally revealed what the precious gift was.  With my eyes undoubtedly gleaming in anticipation and my hands twitching to be holding that which was so important, she pulled out one single maple leaf.  Read the rest of this entry »


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