Philip, SD

Eighteen people in two separate classes successfully completed the 13-week Financial Peace University.  Financial Peace kits were purchased with some Horizons funds and provided to community members free of charge.  (Materials and a spot in an FPU class typically ranges from $125 - $150!)

Classes covered such topics as Cash Flow Planning, Dumping Debt, Relating With Money, Understanding Insurance, Real Estate and Mortgages, Understanding Investment, Retirement and College Planning and many other subjects. 

During the thirteen-week period, participants kept track of credit card enticements that totaled over $600,000.  Class members also kept track of the total money they saved and the total amount of debt they paid off.

In just thirteen weeks, the two classes put nearly $16,000 in savings accounts and paid off just over $24,000!! 

One of Dave Ramsey’s (Financial Peace University founder)  joys in life is to cut up credit cards and several people did so.  This was a monumental moment for a few of our class members!

Here are a few anonymous comments from FPU grads:

“Just know that I look forward to being out of debt sooner than I ever realized possible!”

“I had no idea I could become debt free AND build wealth on the salaries we currently make!  No need to pray for a lottery win anymore….now it’s all about putting our noses to the grindstone and telling our money what to do!”

“It amazes me how much I learned about insurance - I feel so much better knowing what products I should buy and what products aren’t for me.”

“This entire program has been a blessing to our lives!  Thank you!  I’m going to tell everyone I see about it!”

Thank you to Roger and First National Bank for providing a location for our Tuesday night class!  Thank you to the Senechal for opening your doors to our Monday night class!  We ALL appreciate it!

A fall class (beginning near the end of August) is planned.  Space is VERY limited - if you are interested, let Britni know right away! 

SAVE THE DATE (Specifics will follow, but please mark your calendar for now!)

Monday, July 14th, 2008

YOU are invited to promote all the wonderful things your organization is involved in that promote our community. Please bring a sign (poster board) listing all the events, contributions, talents, etc. that your organization has that strengthen our community through volunteerism. Your posters will be displayed at the Fire Hall. This event is hosted by Horizons and will include an ice cream social at the Fire Hall Park to celebration our Horizons graduation!

Our goal is to emphasize how important your role is in our community and to encourage more people to join in your organizations efforts. Additionally, we hope that we can encourage community partnerships between individuals and organizations that are working on similar projects. Basically, we are encouraging the community to strengthen your power to make a difference by working together.

Lastly, all organizations that participate will have an opportunity to possibly receive a Sharing Community Spirit monetary award to be put toward one of your ongoing community betterment projects or a new project that your organization has wanted to do, but just needed a little extra encouragement for - It’s a lottery! All we ask is for your organization’s participation for this night where the focus is on fun and happiness derived from service to the community.

Please encourage your organization’s members, friends and family to come and please bring your lawn chairs! We hope you will help us spread the word about this event, and we look forward to seeing you there! Thank you again for the contributions you make to the quality of life we have here in Philip through arts and culture, education, community betterment, human services and economic development.

For the final round, let’s do something just a little bit different.

Respond to this post with your top three “wishes” for Philip - those things that affect you directly, those things that you feel passionate about, those things that you believe would improve life here in our community.  Let’s just end up with a big list of things we can work on and dream toward.  Be specific - lay it out there!  Nothing is impossible!

Let’s leave this round open for a little longer than normal.  Comments received by May 26th, 9pm will be entered in a drawing for $100!

Allen plans to study Engineering at SDSU in Brookings. He might come back to Philip after graduation because it is a good community.

It’s a positive place to grow up because, “It’s a smaller community where practically everyone knows you and you get to know them really well. You feel safe here.”

He suggests that Philip should have more activities for kids after school. That would be one thing that he could like to see changed in Philip.

About the positive things happening in Philip, he says, “I think it is great - anything that helps out the community is good.”

Thank you for your comments. Good luck at your studies at State.

Dan Oedekoven will be in Philip on May 21 to meet with the members of the different action committees. The meeting will start at 6:30 and be held in the Conference Room at the Philip Hospital. All team members, please be there as this might be the last time Dan meets with us.

South Dakota State University’s Horizons project will host a repeat seminar on the steps of applying for community grants.

At the seminar, Pat Johnson and Mindy Hubert, SDSU Cooperative Extension, will walk you through the steps of applying for grants and focus on helping communities and individuals develop the skills needed to successfully write and receive a grant for community development.

The Northwest Area Foundation in St. Paul, Minnesota., funds the Horizons project, which is a 20-month grant project, aimed at reducing poverty and building leadership in rural communities.

The free seminar runs from 5 to 7 p.m. CDT.  The seminar will be held on Tuesday, May 13^th at the Presho Public Library located at 108 Main Street in Presho.

Registration is required.  Call Bobbi at 605-394-2236 or email her at bobbi.ellis@sdstate.edu to register. Participants are asked to register by May 12^th since space is limited.

Financial Peace University participants kicked off their 13-week journey through a course designed to promote financial peace and security. From learning about the importance of saving to dumping debt to learning how to invest to build wealth, the classes are for everyone who wants to learn how to truly take control of their financial lives.

After hearing in study circles about interest in adult education finance classes, Financial Peace University was brought to our community and is being offered to interested individuals free of charge courtesy of Horizons and the Northwest Area Foundation. One group began last Monday night and a second group started last Tuesday night. The classes will run until the end of June. One more class will be offered this fall. To reserve a spot in the fall class, let Britni know right away.

In what ways have leadership skills been improved/enhanced? What is different?

Enter a comment to this question and you’ll automatically be entered into a drawing for the next $100! (Remember - your comments are NOT judged. The drawing is random.) Comments received by Tuesday at 7pm will be entered in the drawing.

To enter a comment, click on the light gray Comment link right below this post.

Members of the Philip COMMUNITY MARKETING ACTION TEAM will hold a second meeting on April 14th at 6:30pm at Glenn’s office. A lot of good ideas crossed the table as the group was very enthusiastic after taking part in the “Marketing Your Community” Seminar.

Deb Snook, the Math teacher at Philip High School, attended a workshop at Black Hills State University two years ago. Because of her attendance it allows our school district to have a mobile science lab come to our community. This year was the second year that Jerry Opbroek has come to our school with South Dakota’s Mobile Science Lab. Deb coordinates the classes and helps with the labs. There are several lab activities going on at once in both the elementary and the high school. It provides our students the opportunity to work with equipment and technology that they would not otherwise get to due to the cost of the equipment. The Mobile Science Lab visited our school Monday March 31 and Tuesday April 1 this year.

Mrs. Mortellaro’s 4th grade class learned how to light a light bulb by completing a circuit using a wire, battery, and light bulb.

These pictures are of Mrs. Snook’s Pre-Calculus Class. They are using a microphone to record the sounds of tuning forks, voices, and cellular telephones and analyzing the data based on the various frequencies.

This is Mrs. Bouman’s 7th grade CSI-Fluffy lab. The kids had to determine who stole the parrot name Fluffy by using fingerprinting, blood work, and pen tests.

Mr. Vaughan’s 5th grade class is learning about series and parallel circuits. Jerry Opbroek is in some of the pictures. He is the man who travels around South Dakota on the mobile science lab.

5th and 6th graders from both Philip and Milesville participated in a GPS lab.

These pictures are from Mrs. Bouman’s 7th and 8th grade classes along with the three Milesville 7th and 8th graders. They learned how to extract the DNA from a banana!

Thank you, Mrs. Snook, for providing this information to us and for taking and sharing such great photos! Your hard work is truly appreciated for bringing such a tremendous opportunity to our students!

Here are the details just for reference:

Monday Night class begins April 7th at 6:30pm at the Senechal Lobby. 

Tuesday Night class begins April 8th at 6:30pm at First National Bank.  (Enter through the agency - class will be held in the bank conference room).

Just a note - the Tuesday night class is full, but we can still squeeze a few into the Monday night class.  Materials are on hand, so if you’d like to register for Monday - there is still time!   We have 3 names on the waiting list for the fall class.  If you are interested in that class, please let me know.  We don’t have an exact start time for the fall class, but we will start it early enough so that it ends well before the holidays get into full swing.

The Daycare Action Team will hold their next meeting on April 1, 2008 from 12:15pm-12:45pm at the Hospital Conference Room.

Bad weather kept a few people away from the marketing seminar held in Philip on March 26th, but twenty-five hardy souls braved the conditions to hear Dr. Milan Wall talk about “branding your community”. After a delicious meal, people from Murdo, Mission, Whitewood, Faith, Parmalee and Philip listened attentively to what Dr. Wall had to say and then spent time working on some questions and answers about their respective communities. Also in attendance were Kari, Carolyn, Dan and Dave Adrian from the USDA.

Did you miss the community-wide meeting Tuesday night? If you’d like to work with others in the community on building a new library, there is always time to join one of the committees.

The committees are:

Funding

Budget

Services

Technology

Building

Contact Alison at the library, 859-2442, for more information or to list your name on a committee.

Six study circles - four in Philip, one in Milesville and one in Midland - began meeting February 28th. Each group met for three weeks. Last night, seventy concerned citizens attended a community-wide meeting at the grade school gym to learn the outcome of those study circles.

At the first week’s study circle, each group discussed the current library, its services and the assets and challenges of the library’s current location. They also talked about ways to improve it now so as to better serve the needs of Haakon County. The groups also discussed their vision for library services in the county. This included everything from size and appearance to available technology and programs offered by the library.

During the second meeting, the groups studied and critiqued their vision. Participants discussed pros and cons to the group’s vision and how to promote the vision to the community.

The final meeting had each group brainstorming on how to move their vision into action. Specifically, they talked about how to raise funds and gather community support for a future library.

Tuesday night, the groups shared with the community all their ideas and topics gone over during the study circles. Alison, our librarian, reminded the listeners, ‘No matter how you feel about any of the ideas shared tonight, please remember that this is your community. Not any one person or group can choose the best course of action for a community’s library. This must begin on a community level with the community’s support. Embarking on the journey to build a new library will not be easy by any means which is why you need each other’s support as a community.’

Members of the Philip COMMUNITY MARKETING ACTION TEAM will meet April 7th at 6:30pm at THE STEAKHOUSE.

***PLEASE NOTE THE DATE CHANGE***

Awhile back, I mentioned Dave Ramsey’s Financial Planning course titled Financial Peace University. Well, we’re finally ready to kick off the first class! We can take up to 12 couples OR individuals this time around. The course is 13 lessons, with one each week.

We are going to begin the classes on Tuesday evenings starting April 8, 2008 at 6:30pm at First National Bank in Philip. The classes will last between 1 and 2 hours - never to exceed 2 hours. Each class consists of a lesson taught by Dave via DVD. He’s entertaining and funny - but mostly he’s got some really great things to teach about many different aspects of making the most of your money, now and for the rest of your life. I think you’ll really enjoy his “lectures”. After the DVD lesson, will be some group discussion and the chance to ask questions.

The class is completely FREE to each couple/individual. This is really a great opportunity - if you were to take Financial Peace University elsewhere, it would cost approximately $150 for the materials plus any fees the instructor might charge. Horizons has provided enough kits to offer this to approximately 34 couples/individuals. Once this class if full, I will start a list for the next one, which will be determined a little later. Reserve your seat right away…you won’t want to miss out on this!

Call Britni (859-3511) or email me (britniporch@hotmail.com) to reserve your spot. I *must* have pre-registration from you in order to have materials on hand for you.

To read more, scroll down to see the Adult Education post awhile back - and check out www.daveramsey.com.

(Due to a fundraiser the high school music students are hosting, we are going to bump the classes back a week. We may be able to watch 2 lessons in one evening at some point to get back on track.)

The Haakon County Public Library Board and the Friends of the Haakon County Public Library initiated study circles in Haakon county to address library services and needs.

The study circles will serve the community by offering open and facilitated discussions for the community to share their opinions about library services and the library’s future. There will be a series of three meetings for each study circle group. At the first meeting each group will discuss the current library services and if they meet the needs of the county and the group will create a vision for library services in the county. Advantages and disadvantages to the visions will be discussed in the second meeting. At the final meeting participants will discuss how to move their vision into action. Lastly, the Board and the Friends of the Library will host a community wide meeting to discuss what happened at the study circles so the community can help to choose the path for future library services.

There will be 6 study circles in Haakon County. Please join us to share your opinion and vision for the library!

PHILIP:

Monday: 6:30 - 8:30 pm, Senechal. March 3, 10, and 17

Tuesday: 12:00 - 2:00 pm, Courthouse. March 4, 11, and 18

Wednesday: 6:30 - 8:30 pm, Courthouse. March 5, 12, and 19

Thursday: 6:30 - 8:30 pm, Senechal. Feb. 28, March 6, and 13

MILESVILLE:

Wednesday: 6:30 - 8:30 pm, Hardingrove E-Free Church. March 5, 12, and 19

MIDLAND:

Thursday: 6:30 - 8:30 pm, Midland Library. March 6, 13, and 20

If you have any questions, please call Alison at the Library. 859-2442

A free seminar on Affordable Housing was held in Kadoka at Jigger’s Restaurant on February 25, 2008. Individuals represented several communities to learn about issues and possible solutions regarding housing situations in rural South Dakota.

A representative of the Rural Housing Collaborative in Howard gave a presentation titled “Flipping the Switch – Why We Need to Rethink Rural Housing”. After summarizing the research findings, Rita discussed how rural communities need to come together as a whole village and “swim together” to solve complicated issues.

She provided a link with some interesting information: www.rethinkruralhousing.com. They also hope this site will become a useful tool to help communities avoid reinventing the wheel.

After a short break, we heard from an informed panel of speakers on various services and programs available to western South Dakota.

Marlene Knutson, executive director of the South Dakota Central Enhancement District shared her experiences with a successful house project in Lemmon when she was the Economic Development Coordinator there. She also discussed the Governor’s House program.

Mark Lauseng, executive director of the South Dakota Housing Authority, expanded on the Governor’s House program. The current price for a 1008 square foot home (delivered) is $33,000. He also discussed several different programs that assist low and moderate-income individuals/families obtain quality housing. Below-market interest rates, home improvement loans, down payment programs and the Governor’s House program are all programs that can help South Dakotans become homeowners. More information can be found at www.sdhda.org.

Joy McCracken, executive director of Neighborhood Housing Services of the Black Hills, discussed several interesting programs in their “Campaign for Home Ownership”. Some of those programs are Plant the Town, Paint the Town, Revolving Loan Funds and Block Clubs. They also offer many different education classes including homebuyer education courses, post-purchase classes which provide how-to and hands-on maintenance courses, and credit counseling to educate participants on living within their means. This organization originally began to benefit Black Hills communities, but now reaches most of western South Dakota. A plethora of information can be found at www.nhsblackhills.org.

Connie Gerard, rural development specialist with the USDA Rural Development Rural Housing Service, gave information on some different loan and grant programs. The 504 Home Repair Loan and Grant Program assists eligible, very low income home owners with repairs to their home. The Direct 502 Home Ownership Loan Program provides loans to low and very low income families to purchase an existing home, build a new home, purchase a new manufactured home from an approved dealer/contractor, or purchase and set up a Governor’s House. The Guaranteed Rural Housing Loan Program guarantees loans made by private lenders which allow eligible applicants to purchase a new or an existing home. All of these programs can be seen at www.rurdev.usda.gov/sd.

Finally, a representative of the New Underwood area talked about ways they developed housing and attracted individuals to their town by becoming a bedroom community to Rapid City. Brett had many interesting things to say and had words of wisdom on how things could be accomplished more easily than when they took on their first project.

The meeting ended with wide discussion on the problems facing several of the represented communities. While all the communities face the housing crisis, each situation is very unique and will require completely different procedures. It was reiterated that the housing problem could not be solved immediately, but that it would take lots of hard work and dedication to completing one project at a time.

Those representing Philip at the seminar were Kent Olson, Shirley Chin, Michelle Butler and Britni Ross.

On the evening of January 14th, the Visioning Committee presented to members of the community Philip’s Strategic Plan. A good crowd was on hand to hear Kent Olson talk about the goals we’ve chosen to work on for the improvement of Philip. Dan Oedekoven & Kari Fruechte were on hand to celebrate with us and to tell us what we can look forward to in the meetings coming up.

Philip will be a community that continues to grow in population and resources through the 21st century.  The western values of the area will result in residents and newcomers alike wanting to stay in our vibrant and viable community to raise future generations.

Philip residents will know and care for each other with a wealth of resources and educational opportunities and will do so for all stages of life.

Parents will be assured of the physical well-being and educational growth of their children.  Families will rest easy at night in safe, affordable housing within the community.

Gainful employment will be available for all who wish to work.

Philip will continue its regional leadership while building relationships across the trade area.

Philip will witness and support the ongoing creation of new and innovative businesses and community infrastructure that result in community growth and prosperity.

Philip’s Horizon Group is having their Strategic Planning Celebration Supper at The Steakhouse on Monday, January 14, at 6:30pm.  The supper is free and everyone is welcome. 

The dictionary defines poverty as “the state of having little or no money and few or no material possessions”.

After attending the Study Circles and the LeadershipPlenty training sessions,  members of Philip’s Horizons group see poverty in a different way:  lack of sufficient day care (the four in our community all have waiting lists),  absence of nice affordable housing in the community (there is little or none),  a crowded, inadequate library (it’s been that way since 1964),  a better way to communicate community events (a strong gust of wind will blow the sign over that is placed at the intersection of Center & Pine),  a sports complex that needs to be improved and enlarged (Philip would no longer have to travel to Kadoka to hold their own track meet),  and a lack of marketing of Philip as a great place to live & raise a family.

Philip is fortunate in many ways:  we have a main street that is flourishing, a great school system, a medical complex (new up-to-date hospital, dentist, chiropractor, eye care center, physical therapy center, nursing home, assisted-living center and ambulance service) that services many area communities,  five major ag-related businesses that also serve a wide area and a manufacturing concern that is a world leader in its field.   Philip is wealthy in that it is a community that cares about its members and its future.

With determination and hard work, we hope to change some of what we see as poverty.

Give us time, kids. Give us time.   Earlier,  second graders gave us some ideas of what they thought Philip needed:  a dirt track,  a NASCAR track and a castle.   Who knows?   Anything is possible if we work hard at it.

The following is posted on behalf of Tanya McIlravy. Anyone got ideas or suggestions?

The conservation district board recently voted to remove any further development of the outdoor classroom area at the school from their plan of work, including commissioning a new design plan for the area. They had been setting aside money each year in an account to fund the design plan, but are now unwilling to head up or maintain anything else concerning the project site.

Is there a committee that is part of the Horizons program that may be willing to take on this project? The board stated they would consider funding the planning if an outside group emerged to take on the project itself, especially maintenance. The project proposal included replacing the steps and adding other trails (a part of the larger trails project I proposed several years ago to the various groups in the area that Shirley had been working on, including the city’s efforts to put in sidewalk along 73). However, other parts of the master plan include interpretive exhibits and educational/hands-on exhibits that were selected by the teachers and students during brainstorming sessions, as well as seeking out funds and personnel to create a site-specific, grade-specific curriculum for the site. Additional brainstorming with the higher grades, as well as follow ups with the elementary teachers will be necessary before planning, to be sure our ideas correspond to current classroom needs.

The board’s biggest concern seemed to be maintenance, and they also did not believe that the community supports this project, that only a few teachers use what is already offered and that is sufficient. I know that is not the case, both from my previous work with various groups in effort to establish a support base for the project in the beginning, as well as contacts with various people around the community and information on who has been using the site, etc. As far as maintenance, the two items in place, the living classroom and the butterfly garden, are by far the most maintenance intensive items planned for the site. The board is going to continue maintaining them, so the only maintenance needed by others would be based on what is added to the site.

I have done lots of research into how to design the site so that maintenance is minimal. I also know that design is crucial to controlling amount of maintenance. And, there will be no maintenance involved if nothing is installed, which translates to not making changes until a plan is in place for either a particular section/exhibit, or for the whole area.

Basically, what is needed now is a group to accept this project as its own, and move forward with brainstorming and design. I had asked the school board if they could form an ad hoc committee for this and they declined. The horizons group was my next choice, as there are already groups formed, and many of the organizations and people that supported this project are involved in horizons. I don’t believe any of the current groups that support this project would be able to take this on, and I am not sure if they would want to create an ad hoc committee that included non-members.

I hope you and the other members of the Horizons project are supportive of the outdoor classroom project. Please let me know if you have any interest in taking on this project, and if you have any questions. I am willing to be a part of making this project a success.

Tuesday night, December 11th, the Haakon County Public Library entertained 19 youngsters and 12 adults. The evening started off with Alison K., our librarian, reading THE POLAR EXPRESS (Chris Van Allsburg) to a very attentive audience.

Then Marianne F. entertained the group with music and story books. The children danced with sticks to WE GOT THE BEAT and even some of the adults kicked up their heels to JUMP JIM JOE.

The children learned about typewriters from CLICK, CLACK, MOO: COWS THAT TYPE (Doreen Cronin & Betsy Lewin). They also learned what SNOWMEN AT NIGHT (Caralyn & Mark Buehner) do.

Hot chocolate and muffins were served as refreshments. Thank you to all the women who helped to entertain that night.

Sierra says…

BENEFITS

The SilverLeaf (Assisted Living Center)

Physical Therapy

Hospital

Chiropractor

THINGS THAT NEED TO CHANGE

“Build a sports complex on the empty lot by the baseball fields.”

“Plant grass or build a rec center on the ‘dust bowl’”.

Thank you Sierra!

Once again, the Philip FCCLA Chapter is sponsoring the community “Maggie Grace” Angel Tree located at the Haakon County Courthouse.

Maggie Grace was born an angel on February 20, 2002, to loving parents Doug & Karen of Rapid City. They devoted their lives to Maggie and her brother Isaac by showering them with love and happiness.

On December 10, 2002, Maggie died suddenly from complications of a very rare respiratory bacteria. She touched the hearts of so many people in her short nine months of life.

The Angel Tree is dedicated in Maggie’s memory in the hope that needy children in the area will be shown the spirit and love of Christmas. The Philip FCCLA Chapter in conjunction with the local churches and the Haakon Community Health Office will distribute the donations to children in need in the Philip area.

Gifts beyond our community need will be distributed by the Jackson Community Health Office and the Bennett County foster child program. There are already 70 children identified in these counties.

“Last year the response was tremendous with over 200 items collected under the tree,” according to Brigitte Brucklacher, Philip FCCLA adviser. She added, “We hope this year’s giving equals or surpasses that amount.”

To donate to the project, leave an unwrapped toy, book or new article of clothing under the tree located next to the Extension Office in the Courthouse on or before Wednesday, December 19.

Gifts are for children ages infant to teenage. If you know of a child in need or would like additional information, please contact: Brigitte Brucklacher, FCCLA adviser, at Philip High School at 859-2680.

Help make a difference in the life of a child!

One of the top list-makers in Study Circles was the idea of Adult Education classes. People wanted to see classes on everything from cake decorating and dancing to financial planning and computer knowledge. Horizons is pleased to announce that in the near future we will be offering several Financial Peace University courses.

Financial Peace University is a 13-week program developed by best-selling author and radio talk show host Dave Ramsey. Dave teaches each class via video, which is then followed by group discussion for accountability and motivation. Here are the topics covered:

Super Saving
In this lesson, Dave explains the Seven Baby Steps that will guide you throughout FPU. You will also learn the three key reasons why you should save money—and why you must start now!

Relating With Money
This lesson will teach spouses how to communicate and work together toward success. Also, singles will learn the importance of teamwork and parents will find out how to teach their kids about money.

Cash Flow Planning
Unlock the secret of developing a monthly spending plan that really works.

Dumping Debt
It’s time to debunk the myths that most people believe about debt! In this lesson, Dave Ramsey reveals the truth about the credit lies and gives you a plan for walking out of debt with confidence.

Credit Sharks in Suits
What is a credit score, anyway? Join Dave as he unpacks your credit rating and shows you how to handle collectors when they call.

Buyer Beware
Dave Ramsey draws on decades of experience to reveal the power and influence that marketing has on your everyday buying decisions. Let the buyer beware!

Clause and Effect
In this lesson, Dave walks you through the world of insurance, carefully explaining what you need—and what you need to avoid.

That’s Not Good Enough!
Discover the seldom-used secrets of buying only big, big bargains—every time! Before you know it, you’ll be saying “That’s not good enough!”

Of Mice and Mutual Funds
Dave breaks through the jargon surrounding long-term investing and empowers you to make your own decisions about your investments!

From Fruition to Tuition
Dave walks you through the maze of retirement options and helps you figure out the right path for you. You will also learn how to plan for college so your kids can graduate debt free!

Working in Your Strengths
This lesson will show you how to avoid dead-end or mind-numbing jobs and provide tips for job hunting, writing a résumé, and acing an interview. Plus, you’ll learn tips for finding extra jobs if you need cash to attack your debt snowball.

Real Estate and Mortgages
Dave draws on over 20 years of real estate experience to teach you how to win when buying or selling your home. Plus, he’ll dissect all of the common mortgage options available today, showing you what to choose—and what to avoid.

The Great Misunderstanding
Warning! This lesson will challenge the way you think about money. Dave will show you how generous giving can completely revolutionize your attitude and improve your finances, business and relationships.

Typically, the cost for each individual or family kit for Financial Peace University is approximately $139.00. Horizons is fortunate to bring this series of classes to 34 individuals/couples for FREE. We will begin running classes sometime after the new year begins. Depending on interest, we will likely break those 34 into 3-4 separate “classes”. Watch for upcoming announcements. This is one you won’t want to miss. It’s educational and it’s for EVERYONE - even if you feel like your financial life is completely under control, let these classes serve as a refresher!

If you’d like to read more about this program, you can find additional information here