Better Than Billy at Back to School

August 31, 2015

This week all of our blog posts will be following a ‘Back to School’ theme from the perspective of each of our departments.  Check back each day for something new.  For today, it’s the Center for Financial Resources….

“Back to school. Back to school, to prove to Dad that I’m not a fool. I got my lunch packed up, my boots tied tight, I hope I don’t get in a fight. Oh! Back to school… back to school… back to school. Well, here goes nothing.” – Billy Madison Read the rest of this entry »

100 Degree Christmas

July 24, 2015

Originally published 7/2014, we decided this is a good one to bring back today.  Enjoy!

According to the weather reports, today is supposed to have a heat index of over 100 degrees. Perhaps you like this ridiculously hot weather, but it is not for me. As for the summer, I love highs in the upper 70’s, maybe breaking 80 on the hot days. Days like today just make me want to sing. No, not sing for joy. Today you just might hear me singing “I’m dreaming…..of a white…..Christmas”. There might even be a little Bing Crosby flavor in there. But that’s usually the point my wife rolls her eyes at me. Read the rest of this entry »

How To Get Sellers To Say ‘Yes’ To Your Offer

June 17, 2015

Think it’s time to look for your first home?  Here’s a little dose of reality to start you off.

Here in the Sioux Falls market (and reflected in many markets around the region) there is a general shortage of listings in the typical ‘first-time buyer’ price range.  Like, about a third of what they would like to see.  This means things are going fast.  One couple I had in class in Sioux Falls reported they had put offers in on three different houses the day they came on the market and were still too late.  The homes had sold.  One client in Brookings reported they had it happen four times before they got a home. Read the rest of this entry »

Financial Fitness Is No Mickey Mouse Subject

March 19, 2015

My family and I just got back from a trip to that magical mecca of all things entertainment and marketing – Disney World. I have to say, it was a great trip and Disney really does a great job of making sure everything is taken care of for you. Not only are the bathrooms clean (a big deal in our family), but we didn’t even have to wait at the airport for our bags. They just magically showed up in our room. The kids had fun. I ate a lot. It was all good. Although I do have to admit that there was one point where my mood nearly broke, changing me to a raging, lecturing know-it-all. Read the rest of this entry »

A Pile of ‘The Unexpected’

December 16, 2014

December. It’s when those good American folk out there go crazy with the shopping and spending of money all in the name of holiday cheer. Things can get a little tight financially speaking, but it’s OK because it’s for a good cause, right? So what do you do when life drops a big steaming pile of ‘the unexpected’ on top of it all? Well, let me tell you…. Read the rest of this entry »

How Not To Be A Christmas Shopping Ding-A-Ling

November 3, 2014

Have you heard them yet? They are out there already. You won’t hear themChristmas Bell a lot yet, but they are there. Often they are in the background, dominated by some other message of “You need this” or “Your kids want that”. But if you listen closely, you will hear them. It’s the twinkling of silver bells, jingle bells, sleigh bells, or whatever else you want to call them. Perhaps the better description is “the harbinger of all shopping madness that precedes the sacred holiday”. Read the rest of this entry »

Wealthy is Healthy… Literally

September 12, 2014

That’s right, I’ll say it – wealthy is healthy. Speaking to physical health, the numbers simply don’t lie. Those with more money are physically healthier than those struggling to make ends meet each month. With poorer overall health, health care events and consequential costs usually go up; meaning more debt for those that already can’t afford it. In reality, there are more reasons that just health care that the wealthy are more healthy. Stay tuned to find out a few reasons why as well as tips to overcome some of the barriers. Read the rest of this entry »

Thinking Outside the Box

August 25, 2014

Ruts. If you have driven any gravel roads, you know what I mean. The trip to my parents’ house involves at least one mile of gravel road. Depending on how recently the road grader has gone through, this can be an incredibly rough trip. You see, the road gets a fair amount of traffic between residents of the area and farmers headed to their fields with heavy equipment. Throw in a little rain to soften things up and you have a ride that can vibrate your kidneys until they are rattling against your lungs. Read the rest of this entry »

Back To School With A Full(er) Wallet

July 30, 2014

I always dreaded this time of year when I was a kid. The summer seasonal products in the stores would disappear to be replaced by those dreaded items. The very mention of it would strike fear in my heart and put me into a funk for days. There was no getting away from it, but I sure didn’t want to admit that the time had come yet again. I was enjoying my freedom way too much for them to take it away yet again. Alas, there was simply no way to avoid it – BACK-TO-SCHOOL season. Read the rest of this entry »

Three Steps to Start Shopping for A New Home

May 29, 2014

Ahhh. Summer is in full bloom. The kids are done with school. The trees are finally getting their leaves. The lilac bushes are perfuming the air. And the moving trucks are, well, on the move. In my neighborhood, we have 2 homes right across the street for sale and at least two more within a block in any direction. (I promise – It really is a nice neighborhood!)Image

Let’s be honest. While there are homes available all year long, there are reasons that home buying is so seasonal here in the upper Midwest. Chief among those probably include cold, snow, and ice. But now we are ready to be out and about and shopping for a new home.

My advice? Don’t let the weather be your only factor in finding the right home. Read the rest of this entry »

%d bloggers like this: