The Store At Plains Art Museum This holiday season Plains Art Museum invites you to shop at The Store for artfully curated gifts for everyone on your list (and maybe a few just for you).
Guests can choose from an eclectic array of jewelry, books, artwork, clothing, home décor, stationary, cards and children’s toys. And with all proceeds benefitting the many educational programs the Museum offers – your purchases directly support the arts in our community! New this year, The Store is offering limited quantity of Curated Gift Boxes – each with a different theme of CREATE, RELAX, BEE KIND, and CELEBRATE. Ranging in price from $75-$95, each box is beautifully created with your convenience in mind. Or, treat your loved ones to a Museum experience. The Store offers Museum gift cards in any denomination that can be used for classes, events, or memberships. Or, just cut to the chase and purchase the art lover in your live a Museum membership. Individual memberships start at just $50 annually and comes with a 10% store and class discount, as well as exclusive invitations to member-only Museum events throughout the year. And this holiday season, members can enjoy 20% off Store purchases from November 25 – December 24 – so if you are not a member, become one today!
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The Jeremiah ProgramAuthor: Alyssa Nishek Photographer: M. Schleif Photography  The Jeremiah Program began twenty-two years ago in Minneapolis, Minn., when a diverse array of community members became concerned with the increasing number of children born to single mothers living in poverty. Now, through a two-generational model, the Jeremiah Program has made it their mission to end the cycle of poverty for single mothers and their children. With seven facilities across the nation, including one in our home base of Fargo, N.D., the Jeremiah Program has been able to successfully reach over 4,000 mothers and children. Statistics on the Jeremiah Program members:
The Jeremiah Program’s Fargo-Moorhead location boasts twenty apartments for use by single mothers, a Child Development Center, library, conference room, community room, and office space. First International BankStory by Mike Mulwani, FIBT Director of Mortgage Photos Provided by First International Bank and Trust
We understand, the prospect of refinancing may come with a little fear: you’ve heard it’s expensive and requires reams of paperwork. However, mortgage rates continue to sit at or near record-breaking lows. If you haven’t done so already, it may be time to consider, “Is now the time to refinance?”
To answer that question, you have to answer a few others.
If you answered yes to any of these questions, it’s time to at least consider talking to a lender. The ultimate barometer of whether a deal will make sense for you will be whether you expect to stay in the home long enough to recover the cost of the refinance. Here’s a quick example from SavvyMoney.com. If you took out a $200,000, 30-year fixed mortgage in 2018 at a 4.5% interest rate (4.600% APR*) your monthly payment would be $1,013 (without taxes and insurance). Refinance now at a rate of 3.66% (3.752% APR*) and your new monthly payment could be $916 — a savings of $97 a month. If the refi cost 2% of the home price or $4,000, which is typical, you’d have to be in the home 41 months to break even. If you’re not planning on staying that long, the deal isn’t worth doing. If you’re planning on staying longer, go ahead. |
Midwest Nest loves the culture from the upper midwest, and we are excited to share stories from around the area.
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