In A House But Not Married

June 15, 2017

Not long ago, as we were doing introductions at the beginning of our Homebuyer Express class, one of the participants stated that he was scheduled to close on his new house in two weeks, but was still shopping around.

Ummmm, what???

As the story goes, he and his girlfriend were going to buy the house together and he, in the interest of peace and harmony, let her pick out the house.  But now, before closing, she was no longer girlfriend.  He could still afford the home, but it wasn’t the home he wanted.  So he was still looking around and trying to decide if the extra costs of backing out were worth it for him.

As more and more unmarried people are buying homes together, it brings some “interesting” potential issues to the surface.  Even if the individuals buying together aren’t a couple, but rather siblings, business partners, or just friends, the situations can provide for some more challenging “now what” moments. Read the rest of this entry »


Should You Buy a House?  5 Things to Consider.

June 8, 2017

As June is National Homeownership Month, we are doing a series of blog posts relating to home ownership.  Each will have a different perspective, so stay tuned for more.

First, full disclosure.  I teach our homebuyer education course.  I have my real estate license.  Even though my license is inactive, I am still involved in our local real estate association.  I even teach the classes required to get your real estate license.  Am I invested in that world?  Yes.

I’ve been both a renter and home-owner.  I currently own my own home and would have it no other way.

I am a big fan of home ownership.  It is no secret.

I’ll also be the first one to tell you that home ownership is NOT for everyone. Read the rest of this entry »


On Budgeting and Spinners

May 25, 2017

Fidget Spinners.  If you don’t know what they are, I’m pretty fidget spinnerssure you’ve been living under a rock for the last several months.  They’re everywhere.  I’ve even seen photos on Facebook of women attaching mini spinners to their fingernails.  Seriously.  Having two kids of my own, yes the spinner craze has hit our house too.  “But they’re, like, therapeutic.”  “No, for most of you they’re just a toy.”  Alas, we gave in.  Not totally.  After all, the first spinner was a bribe for good behavior.  Hey, I’ll admit I’m not above bribery when it comes to children’s behavior.  True to the American way, however, one is never enough.  And I made a lesson of it. 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 »


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 »


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 »


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