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 »


The Big Finale (or Finally)

March 2, 2017

You’ve just kicked the bucket.  You are six feet under, pushing up daisies.  You’re worm food.  You’ve entered the pearly gates (or that other place).  No turning back now.  It’s the only guarantee other than taxes.  Ashes to ashes, dust to dust.  Congratulations, you are dead.

Do I have your attention?  I’m not surprised.  Most of us at least have a healthy respect for death if not a flat out fear of it.  Thinking about it is something many people simply refuse to do.  Surely it can’t happen to them….. at least not yet.  Not for a long time yet.  But that is exactly what I want you to focus on for this blog post.  OK, maybe not so much your actual death, but what about all of the stuff you have when you do die? Read the rest of this entry »


Mortgage Paperwork – Why the Pain?!?

February 20, 2017

Pay stubs.  Tax returns.  Bank statements.  Lists of liabilities and assets.  Credit card statements. Loan documents.  Affidavits.  Investment statements.  Gift letters.  Purchase contract.  Property tax assessments.  Landlord/rental history.  Retirement account statements.  Driver’s license.  Social Security card.  And now that you have submitted all of that, you have to do it all again with updated copies.

As much work as it takes, it’s almost like mortgage lenders don’t really want to give you a loan.  I assure you, that’s not the case…… usually. Read the rest of this entry »


The Secret to Saving Money

February 9, 2017

What’s probably the top goal that I hear from people?  woman-with-cashThey want to “save money”.  Great….. so what does that mean?  Spend less?  Get better deals?  Oh, no.  They want more money in their savings account.  I suppose you could say they want to be money hoarders.  Now I’m not against having more money in savings, but I think, in most cases, they have the cart before the horse if you will.

So, what’s the one key thing to saving more money?  The real lynch-pin?  The keystone that holds it all up and together?

Spending. Read the rest of this entry »


%d bloggers like this: