6 Thoughts on Bankruptcy

May 19, 2017

 

Bankruptcy.  It’s a word that evokes a lot of differentgavel and scale emotions and responses.  “It’s a cheap way to get out of debt.”  “Or perhaps it’s the fresh start someone needs.”  “But if they hadn’t gotten themselves into debt in the first place.”  “Then again, they didn’t choose to get sick and end up with the medical bills they have.”  “I pay my bills so why can’t they?”  “I can’t pay my bills so what’s wrong with me?”

The comments could go back and forth for ever and certainly have since the advent of bankruptcy.  In reality, bankruptcy is not the right answer for everyone, but it may be the best option for some.  It’s not always an easy choice to make. Read the rest of this entry »


“If I Were A Rich Man…”

May 11, 2017

“If only I made more money.”  “Life would be so much easierEmpty Wallet if there was just more in my paycheck.”  “I would love to have enough to not have to worry about money.”  Let’s be honest.  We’ve all made these comments before.  Just like Tevye in “Fiddler on the Roof”.  He sang “If I were a rich man, Yubby dibby dibby dibby dibby dibby dibby dum.”  It all sounds great.  Unfortunately, every last one of them is a lie!  Read the rest of this entry »


Down Payment Assistance – Making ‘Home’ Possible for More

May 4, 2017

You want to buy a home? Have you looked at prices lately!?  Do you know how much you need for a down payment!?!  You’ve got to be crazy!!! There is no way you can come up with THAT MUCH money right now.  I mean, come on.  Don’t you need like 20% down for a house?  That’s got to be like $50,000-$60,000 with where homes are priced.  Buying a home just is NOT an option for you right now.  Right?

WRONG.  Well, maybe it isn’t the right time for you to be buying a home right now.  But the premises above are probably not going to be what holds you back.  Let’s talk about why. Read the rest of this entry »


What to Spend on Your New Home

April 20, 2017

 

Tired of renting?  Tired of the landlord?  Tired of the crazy neighbors doing who knows what and all kinds of hours?  Tired of nothing but white walls in your living space?  Tired of someone else parking in your parking space?  Tired of paying every month and getting nothing (except maybe part of your deposit) back when you move?  Perhaps it’s time to move out of your parents’ house…..

OK, so this probably isn’t your parents’ house anymore.  But it may still be time to move on.  Perhaps it’s time to look at buying your own home.  As our clients consider a home purchase, one of the most frightening issues they face is determining exactly how much they should spend on a home. Read the rest of this entry »


A Job Well Done

April 10, 2017

Monte 2Last week, a longtime employee of LSS Center for Financial Resources passed away. Monte Tschetter was a counselor with us for 16 years, most recently in our Huron office. He was a tremendous individual and a great person to work with. Over the years, we estimate that Monte helped about 4300 households with their finances.

Whether you were Monte’s co-worker or a client that met with him, the description of Monte is consistent and endearingly familiar:

  • Monte was helpful and courteous
  • Monte was a very well-spoken, open, honest person
  • I enjoyed working with Monte
  • Monte was great! He was very helpful in breaking down information that we didn’t think about
  • Monte was very respectful & slow to speak – always taking the time to listen first.
  • Monte was insightful and compassionate
  • Monte was intelligent
  • Monte was positive
  • Monte was very respectful & slow to speak – always taking the time to listen first.
  • Monte replied to my emails with a “yepper” – always made me chuckle

Monte was a support and an advocate for the clients he worked with at LSS. He also served as the Vice Chair of the Board for the State of South Dakota Independent Living Council Executive Group. This is a Governor appointed position that helps monitor agencies that serve individuals who are physically and mentally challenged. In addition to his 32 hour/week job at LSS, Monte worked full-time for Social Security as a Trust Reviewer/Fraud Coordinator/Claims Representative.  He truly worked tirelessly to help others.  Although we will miss him, we can’t help but believe that Monte is in a better place and was met with the words “Well done my good and faithful servant.”

 

thoughts contributed by Monte’s coworkers


Drink, Save, Be Healthy

March 23, 2017

As I write this, I have to admit that things aren’t quite right in my world.  My attention is wandering.  My head feels like it is bouncing around like a balloon at the end of a string.  The letters on my computer screen might even be dancing just a little for me.  We can pick things up from our close friends and family like phrases, ticks, and habits.  I’m blaming this one on my wife.  My world is not right and it’s all HER fault! Read the rest of this entry »


It WAS A Great Deal…

March 17, 2017

You’ve gotta love the store credit  cards.  They are so easy to get.  You just fill out one little part of a tri-fold brochure, invest all of five minutes, and boom!  You have a credit card to use every visit you make.  But that’s not the best part.  The best part?  The discounts.

“Sign up today and get 20% off your purchase!”Happy woman shopping
“Sign up today and get 5% off purchases every time you come back!”
“Sign up today and receive EXCLUSIVE offers and discounts!”

I decided to write today based on a question I got from a participant in one of our classes.  They had signed up for the credit card to get the big discount.  But it was a one-time purchase and they don’t ever plan to go back to that store, let alone use the credit card.  So now what?  What do you do with the card?  Cancel it?  Keep it?  Now what? Read the rest of this entry »


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