Confession Time

January 12, 2018

All right, I’m not even Catholic, but it’s time for a little confession.  In our department, we have committed an act of which we speak hesitantly in public.  We are all in on it and equally guilty.  We have high hopes and yet are quite unlikely to actually see any return.  Yes, we who are so focused on credit counseling and building financial stability, are all together in a lottery pool.

And WE’RE OK WITH THAT! Read the rest of this entry »


Rethink That White Picket Fence

November 30, 2017

My in-laws have decided it’s time to make a move.  It’s just the two of them and a small dog in their spacious 3 bed, 2 ½ bath home on a corner lot.  They’ve made a decision that a lot of people in their generation are making.  They are ready to downsize to a townhome.  When I first started selling homes here in Sioux Falls, that’s exactly what townhomes were – the first step of retirement housing in that gradual journey to the nursing home.  Now let me be clear – in no way am I implying that my in-laws are that old.  I’m just sharing why they made the choice they have…… I mean…….uh, anyway……..  While this is still the case for some people, the typical townhome buyer is changing.

If you are dreaming of your very own single-family, picket fence bird housestand-alone home with the white picket fence, you may want to rethink that regardless of your distance from the nursing home. Read the rest of this entry »


CFR Student Loan Boot Camp

October 25, 2017

The Center for Financial Resources’ “Student Loan Boot Camp” class helps borrowers take control of their student loans.  A one-hour class, you can attend in-person over your lunch hour or by video conference wherever you happen to be.  The session covers locating loans, understanding loan types, payment plan options, loan consolidation and more!  Student Loan Boot Camp is offered the third Wednesday of each month.  You can register via the calendar link at http://www.LssSD.org or by calling 888-258-2227.

LSS.CentFinReshor


Dream Series – That New Ride

August 31, 2017

If you are anywhere NEAR my generation, you’ve watched “The Price is Right” more than once.  Maybe not an entire episode, but at least segments of it.  Come on, who can’t resist Plinko?!?  A close second to that level of excitement was when the announcer (Rod Roddy, if you are my era), was asked what’s behind the curtain.  “Well, Bob, it’s…… A NEW CAR!”  And everybody went wild.  The really good ones were when the contestant playing the game flat out ended up on the floor in excitement.  That’s some good entertainment right there. Read the rest of this entry »


Dream Series – Building the Nest Egg

August 24, 2017

I’ve got some crazy dreams for my life – let me tell you.  I would love to travel more, have a little bigger house, buy a pick-up again, have a small sailboat, build a strip-built kayak, go back to school for a master’s….. oh, there is so much I could do.

If you can’t tell, I can easily be a spender.  Even as a ‘certified consumer credit counselor’, spending money could easily become a regular habit for me.  That’s why I always appreciate clients who specifically state ‘saving more money’ as one of their personal goals.  And when they say it, I have to agree, that sounds like a good goal for me too.  Yeah, sure.  I want to save more money too.  Read the rest of this entry »


Dream Series – Your Credit Reputation

August 3, 2017

Let’s be honest – so much of life is about your reputation.  People want to get to know you before considering you a friend.  It’s all about reputation on social media.  Potential employers check your reputation via your resume, references, and possibly a background check or two.  It’s no different if a bank or other lender is going to go into business with you.  Oh yeah, and landlords, utility companies, insurance companies, and even licensing agencies.

As we continue our Dream Series, educating people towards achieve their dreams, we want to help you understand your credit reputation that many, many people will be looking at.  We’ve already looked at setting goals and knowing where you are starting.  Now we’ll look at how people and businesses will measure your credit reputation. Read the rest of this entry »


Dream Series – Where the Heck Are We?!?

July 20, 2017

This post continues our Dream Series of blog posts.

You get the phone call……Woman on phone in car

“Hey, I’m lost.  Can you help me find my way back?”

“OK, where are you?”

“I don’t know.  I’m lost.  That’s why I called in the first place!  Can’t you just give me directions to get back?”

“Ummmmmmm…..” Read the rest of this entry »


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