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 »

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 »

Family! Can’t Live With Them, Can’t… Well, You Know…

July 28, 2016


I once had a conversation with a young lady that was buying her first home.  At least she thought she was.  But as the process continued, her lender called her to explain that she was going to have to sell her house in another state before she could qualify for the new loan.  She wasn’t aware she owned a home any where, but a little digging found that the home had been purchased in her name when she was only 6 months old.  The real buyer had even kept up the payments until recently. Read the rest of this entry »

10 Questions – Are You Ready to Buy a Home?

March 3, 2016

I love Spring! The snow is melting. The days are getting longer. I wake up in the morning to hear the birds chirping outside my window. My tulips are even popping up along the west side of the house. I am getting antsy to get outside more. My kids are definitely getting antsy to get outside more. Even my wife (not so much an outdoorsy kind of person) is ready for it to be nice out.

You know who else is getting antsy? Anyone thinking about buying a home. Here in South Dakota, the winter brings a normal lull to home-buying. After all, who wants to move in the middle of a blizzard? But now that it’s getting nice out…..

While we encourage home ownership for anyone that is ready, willing, and able, we also realize that there are two groups that should not be so antsy about moving. First, there are those who don’t want to own a home – and that’s ok. Second, there are those who want to own, but just aren’t ready. Read the rest of this entry »

Go Ahead. Play Around With It.

December 22, 2015


“I’m going to play with my credit score a little.”

“WHAT?!?  You’re just going to play around with it?  Do you know how much impact your credit score can have on your life?  Landlords, loans, employment, insurance rates.  It is a huge deal and you’re just going to ‘play around’ with it?!?  I thought you were more responsible than that.  Your credit score is not something to be taken lightly!”

Read the rest of this entry »

Night of the Living Dead Debt

October 29, 2015

I have to admit, I’m not really a big Halloween fan. Sure, I loved it as a kid. There was all of the candy, the class party, all of the candy, a later evening out trick-or-treating, and then there was all of the candy. But now? Ehh. I think it’s the whole zombie invasion thing that bugs me. Seriously? The living dead? There really are people out there preparing for the zombie apocalypse as if it were more imminent than the threat of snow this time of year. (If you weren’t in eastern South Dakota, we got our first round of snow yesterday.) And this seems to be their holy day of the year, the big blood festival.  Come on people!  REALLY?!? Read the rest of this entry »

Keep It Stupid Simple

September 18, 2015

You’ve probably heard the K.I.S.S. acronym before.  I’ve heard it spelled out a few different ways over time, but the way I like to use it is Keep It Stupid Simple.  Before anyone freaks out, I’m not calling anyone stupid.  Were I going to do that, I’d probably have to start with myself depending on the day…  and I don’t want to go there.  No, it’s simpler than that. Read the rest of this entry »

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