• General
  • Get a paper shredder

    shredder

    There are people who do not believe that identity theft is a problem.  Sadly a person does not have to believe in that type of crime to become a victim of it. Identity theft is a first world modern kind of problem that can not be solved just by locking doors.

    Once identity thieves have your personal information, they can drain your bank account, run up charges on your credit cards, open new utility accounts, or get medical treatment on your health insurance. An identity thief can file a tax refund in your name and get your refund. In some extreme cases, a thief might even give your name to the police during an arrest.

    The Federal Trade Commission has tips on how to prevent and how to detect identity theft and fraud.

    Personally I just love my paper shredder. I shred phone bills and water bills and the contracts that my clients sign after the contract are scanned and stored in a safe place.

    Shredded paper is recyclable and as it sits in your recycle bin in the alley for weeks waiting for a pick-up no one will be able to read what it says.

  • General
  • The Women’s March

    Women marched in St. Paul and in cities all over the world. According to the Saint Paul Police there were 100K people marching in St. Paul yesterday. There were so many people that we almost could not march. This is what a populist movement looks like.

    Women's March 1/21/2017 MN state capitol in St. paul
    Women’s March 1/21/2017 MN state capital in St. Paul, MN
    Colorful signs
    Colorful signs – we all want to be heard
    Men and children marched too
    Men and children marched too
    Young people and old people marched
    Young people and old people marched
    More signs
    More signs
    Marching in Minnesota
    View along march route

    Yesterday’s marches were epic and record breaking and they happened all over the world.

    I just had to post these pictures because I am afraid that our new president is going to say that it never happened. It did happen on January 21, 2017 and I was there, and so was my daughter and we took pictures.

  • General
  • Keep the dream alive

    Martin Luther King Jr. Day 2016, Monday, Jan. 16,  honors the slain civil rights icon near what would have been his 88th birthday.

    I have a dream that one day this nation will rise up and live out the true meaning of its creed: “We hold these truths to be self-evident, that all men are created equal.”

    – Martin Luther King, Jr 1963

    Let’s keep the dream alive and the hope that one day even a black man can drive a car with a burned out tail light and live to tell about it.

    The Twin Cities  are  home to some of the worst racial disparities in the country. In metrics across the board—household income, unemployment rates, poverty rates and education attainment—the gap between white people and people of color is significantly larger in Minnesota than it is most everywhere else. There is also a large gap in home ownership between people who are white and people of color. Homeowners have a significantly higher net worth than renters have.

     

    Dr. Martin Luther King Speaking at the University of Minnesota
    Dr. Martin Luther King Speaking at the University of Minnesota –

    Photograph from the Minnesota Historical Society collection

  • General
  • Changing landscape

    Old west publishing building on Kellogg

    This is what is left on the Ramsey County Jail and West Publishing site along Kellogg Blvd as viewed from Shepard road in St. Paul. The site will be hard to develop. Ramsey county is making it all easier by demolishing the buildings and shoring up the bluff.  The last news about the site suggested that it would be redeveloped for mixed use. We don’t need more office space downtown but housing seems to do well.  Micro apartments would be nice.

     

  • General
  • Rebound real estate purchases

    stairs
    condos

    It isn’t always a good time to buy or to sell real estate . . at least not for everyone.

    Right after the holidays I start getting calls from people who want to move. For some of them the move will be because of a divorce or a break up with a partner. They wait until after the holidays and then begin making plans.

    Some will want to buy another house. I call it a rebound house. Please think before you buy the rebound house because it is the home purchased shortly after a divorce or the break-up of a long term relationship. The rebound homes that are purchased don’t always work out in the long run. Go out and rent an apartment and give yourself a year or so before buying real estate.

    During break ups people often look at their move as moving away from something or someone. It might be best to think in terms of moving toward something like a new life. Where do you want to be? Where do you see yourself in five years? If there is no mental picture then making a long term commitment like buying a home is not the best choice.

    I have listed homes for a few people who bought the home shortly after a break up. In each case they felt they owned if for a short time and felt they had made a mistake. They did not look at enough homes, they got themselves in over their heads financially, or they just paid too much for what they bought because they wanted to get on with their lives and in their haste failed to do their homework.

    Buying a home is a big step, please wait until you are ready to make a good decision.