Below is information on a walking program in Fargo. It is a way to see different neighborhoods in the area. Some of the walks are at noon and some are in the evening.
Come join us again! This year is the 6th annual Walk This Way program and it starts March 24th and goes through May 21st 2009. Come explore the trails and discover the areas of growth in the FM area, such as Trollwood and the 45th Street trails!
The kickoff walk is Tuesday March 24th at 12 noon and will be led by Mayor Walaker of Fargo. The walk will start in the City Hall Fargo City Commission Room at 207 4th St. N. Fargo and go through the downtown skyway. At the end of the walk a variety of fresh salsa samples will be available to “taste test”.
For more information, event schedules and to register for the 2009 program go to http://www.fmwalkthisway.com. .
Have any questions about WTW? Email klipetzky@cityoffargo.com or call Kim at 241-8195 or email Cheryl at cstetz@cityoffargo.com
Friday, March 13, 2009
Thursday, March 12, 2009
Money is Not for Spending
The following is from Debt-Proof Living by Mary Hunt
Money is Not for Spending
It took me a long time to fully understand that money is for managing first and then for spending. It takes courage to believe that, but when you do it will profoundly change the way you think about and manager your money.
Imagine this, it's Friday, a day you have come to know and love as cake day. You want cake, you love cake and doggone it, you deserve to eat cake. You stop at the store and pick up the ingredients necessary to bake a cake. But even before you can get home, you begin eating the ingredients because you are so hungry for cake you simply cannot help yourself. You gulp a couple of eggs; chew up some butter and sugar; and down a load of flour and cocoa.
You pull into the driveway completely disgusted with yourself. You try to hide the evidence but it's all over your face. The worst part: Eating the cake was not nearly as satisfying as you'd dreamed. It was anything but enjoyable. The ingredients for your chocolate cake are gone and now you feel ashamed and embarrassed.
An absurd analogy for sure, illustrating the foolishness of eating food that has not yet been prepared. The very same ingredients that made you sick could have become a culinary masterpiece had you exposed them to a recipe. Those ingredients were not for eating; they were for preparing first and then for eating.
It is equally foolish and unsatisfying to spend money that has not first been managed. To manage money means to take full possession of it, to subject it to a specific plan and direct it accordingly. It is a matter of creating a season of ownership between receiving and dispersing.
Managing money is a learned discipline, a gratifying process. When money flows into your life, you are responsible for where it goes and how it performs. You are the boss. You can watch it drift out of you control or you can manage it according to a formula that you have developed.
It doesn't matter if you are a single parent struggling to survive with no outside help or the CEO of a prospective business. You need to know ahead of time exactly how you will manage your money.
There are certain mandatory elements that must be part of your management system, lice giving and saving. When you bring reason to the management of your income, feelings of dissatisfaction, worry and hopelessness will quiet down. You will be driven to plug the money leaks in your life. A commitment to spending no more than you earn will become so important, you'll find yourself keeping track of where the money goes.
No matter your situation-single, married, old, young, whether you're deeply in debt, unemployed or at the top of your career-you need a system through which to process every dime that enters your life. Only then will you fully understand why money is not for spending. It is for managing first, and then for spending.
Money is Not for Spending
It took me a long time to fully understand that money is for managing first and then for spending. It takes courage to believe that, but when you do it will profoundly change the way you think about and manager your money.
Imagine this, it's Friday, a day you have come to know and love as cake day. You want cake, you love cake and doggone it, you deserve to eat cake. You stop at the store and pick up the ingredients necessary to bake a cake. But even before you can get home, you begin eating the ingredients because you are so hungry for cake you simply cannot help yourself. You gulp a couple of eggs; chew up some butter and sugar; and down a load of flour and cocoa.
You pull into the driveway completely disgusted with yourself. You try to hide the evidence but it's all over your face. The worst part: Eating the cake was not nearly as satisfying as you'd dreamed. It was anything but enjoyable. The ingredients for your chocolate cake are gone and now you feel ashamed and embarrassed.
An absurd analogy for sure, illustrating the foolishness of eating food that has not yet been prepared. The very same ingredients that made you sick could have become a culinary masterpiece had you exposed them to a recipe. Those ingredients were not for eating; they were for preparing first and then for eating.
It is equally foolish and unsatisfying to spend money that has not first been managed. To manage money means to take full possession of it, to subject it to a specific plan and direct it accordingly. It is a matter of creating a season of ownership between receiving and dispersing.
Managing money is a learned discipline, a gratifying process. When money flows into your life, you are responsible for where it goes and how it performs. You are the boss. You can watch it drift out of you control or you can manage it according to a formula that you have developed.
It doesn't matter if you are a single parent struggling to survive with no outside help or the CEO of a prospective business. You need to know ahead of time exactly how you will manage your money.
There are certain mandatory elements that must be part of your management system, lice giving and saving. When you bring reason to the management of your income, feelings of dissatisfaction, worry and hopelessness will quiet down. You will be driven to plug the money leaks in your life. A commitment to spending no more than you earn will become so important, you'll find yourself keeping track of where the money goes.
No matter your situation-single, married, old, young, whether you're deeply in debt, unemployed or at the top of your career-you need a system through which to process every dime that enters your life. Only then will you fully understand why money is not for spending. It is for managing first, and then for spending.
Wednesday, March 11, 2009
Dave Ramsey Show
I have mentioned Dave Ramsey, auther of the Total Money Makeover before. His radio show is now on WDAY AM 970 in Fargo from 9 AM to noon on weekdays. He also has a television show on the Fox Business Network from 7-8 PM central time. For more information on listings for your area go to http://daveramsey.com
Tuesday, March 10, 2009
Beating the Recession
The Dave Ramsey show is having a special "Beating the Recession" on Wednesday evening. It is on the Fox Business Network at 7:00 CT. It is on channel 359 on Direct TV. For more information go to http://daveramsey.com He takes calls and emails from viewers and answers their questions on financial issues.
Investing in a Down Market
Following is a link from Dave Ramsey's website for a report on investing in a downmarket http://a1611.g.akamai.net/f/1611/26338/9h/dramsey.download.akamai.com/23572/html/dspWiseInvestors.html?ictid=sptlt. I know it is difficult to continue to invest when investments keep going down but they more than likely will be coming up again. Its just a matter of waiting.
Monday, March 9, 2009
Free Preparedness Fair
I saw a notice in the Sunday Forum about a free Preparedness Fair on Sat. 3/14 from noon to 4. It will be at the Stake Center of the Church of Jesus Christ of Latter-day Saints., 2502 17th Ave S, Fargo. It is open to the public.
Participants can sample food made from basic items, attend mini-classes and visit booths demonstrating how to plan for tough times. Each booth at the fair will offer readiness tips and handouts, including how to choose or make a generator, compare food dehydrators and a demonstration on how to store and purify water.
Representatives from Fargo Cass Public Health, the Community Emergency Response Team and the Red Cross will focus on emergency preparedness training and communit services available during disasters.
Food displays will include dehydrated foods, cooking with whole wheat and how to use dried beans.
Class topics will include emergency kits, designing an emergency plan, home remedies, how to be environmentally frugal, tips for saving money and improving employment opportunities and emergency communications.
For mor information call (701) 237-9505.
Participants can sample food made from basic items, attend mini-classes and visit booths demonstrating how to plan for tough times. Each booth at the fair will offer readiness tips and handouts, including how to choose or make a generator, compare food dehydrators and a demonstration on how to store and purify water.
Representatives from Fargo Cass Public Health, the Community Emergency Response Team and the Red Cross will focus on emergency preparedness training and communit services available during disasters.
Food displays will include dehydrated foods, cooking with whole wheat and how to use dried beans.
Class topics will include emergency kits, designing an emergency plan, home remedies, how to be environmentally frugal, tips for saving money and improving employment opportunities and emergency communications.
For mor information call (701) 237-9505.
Sunday, March 8, 2009
The Pros of Cruising
I just got back last night from a 7 day Mexican Riviera cruise. We had a great time and it was nice to get out of the winter weather for awhile. I heard a number of people comment on the value of cruising compared to other vacations. When you consider what you get when you cruise it is a great value. There is basically food available 24 hours a day. Our cruise, for a $30 fee you got a sticker on your cruise card for free refills of Coke products for all week. Other beverages, water, tea, ice tea and coffee were free. The only beverages you had to pay for were alcoholic beverages and specialty coffees. There was a buffet that was pretty much open 24 hours a day, which was changed with different items for breakfast, lunch and dinner. There were also two counters open during the day. One had a few different types of pizza and the other had burgers, hot dogs, brats, chicken burgers, etc. There were two dining rooms for the assigned seating dining and three dining rooms for anytime dining for dinner. You can pick as many items off of the menu as you want for each meal. It is a great chance to try things you haven't tried before. In case you don't care for it, you don't have to worry that you paid alot of money for it. We tried new things and it turned out that we did like them. There were also 2 restaurants that had a minimal fee that was extra. One was an Italian restaurant, which they said so much was served it took 3 hours for it and the fee was $20. We ate one night at the Sterling Steak restaurant, where the fee was $15. There were about 5-6 different entrees to choose from. We had the filet mignon with a few sides and dessert for $15.
Along with the value of the meals there were also a number of activities available. During the day there were different activities, some days there were movies showing. In the evening there were musical productions, music guests, comedians, etc.
Along with the value of the meals there were also a number of activities available. During the day there were different activities, some days there were movies showing. In the evening there were musical productions, music guests, comedians, etc.
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