Now This is Close.. DRAMA: Franken is Challenging This Ballot... Attorney General Mukasey collapses while giving speech; Federalist Society dinner in Washington... 
Obama Everywhere Obama to be featured on DC Metro farecards...
Government warns of 'catastrophic' quake... 
Why can't we get these guys? Somali pirates seize ninth vessel in 12 days... $25 million demand for hijacked supertanker... 
Big Surprise! ok, not really PAPER: Madonna and Guy Ritchie agree on divorce settlement... Quickie And Sweet...
iPhoney Story: Woman divorcing husband after 'glitch' sent pictures of genitals to other woman... 
Dangling Economy Treasury Yields Drop to Record Lows as Investors Seek Safety...
Gore warns world may face civilization 'collapse'...
Experts call for end of flushing toilets...
Cops: Girl, 10, found with 25-person classroom 'hit list'...
Posted by: Fargo Print Media on 11/21/2008 at 1:29 AM | Comments (0) | Permalink
More Of The Clintons? WILL SHE? DEVELOPING.... Damn Pirates! Somali pirates seize ninth vessel in 12 days... Somali pirates transform villages into boomtowns...
DRUDGE REPORT 'one of the best designed sites on the web'?
Posted by: Fargo Print Media on 11/19/2008 at 10:47 PM | Comments (0) | Permalink
Check Out Our Friends at MMA News Source
Posted by: Fargo Print Media on 11/19/2008 at 2:13 PM | Comments (0) | Permalink
What The HELL.. PIRATES? Pirates demand $10m ransom... World leaders: We're powerless to act...
HONG KONG CARGO SHIP HIJACKED BY PIRATES... Danish oil ship briefly seized off Nigeria... 
Yea This Huge Ship! PIRATES CAPTURE SUPERTANKER WITH $100 MILLION CARGO... Open negotiations...
GO GET EM Spock STAR TREK Gets Sexy Makeover In New Film; Young Spock Goes Wild... 
MmmHmmm CHENEY INDICTMENT: Vice president, former AG, state senator indicted [in Texas]... 
Our Bailout Buddies PAULSON OPPOSES BAILOUT AID TO HOMEOWNERS, AUTOMAKERS... 
Deep Dog Do Do Cuban fights back...
Posted by: Fargo Print Media on 11/19/2008 at 2:29 AM | Comments (0) | Permalink
Cuban BUSTED SEC charges DALLAS MAVERICKS owner Mark Cuban with insider trading... COMPLAINT...
Gasoline closer to $2, cheapest since March 2005...
Study: Unhappy people watch more TV...
PIRATES CAPTURE SUPERTANKER WITH $100 MILLION CARGO... 
MURDOCH Rubs it in Murdoch to media: You dug yourself a huge hole... Technology 'ushering in new golden age for human kind'... 
Waiting to Take Over FRESH BAILOUT WILL HAVE TO WAIT... GM asks German government for credit guarantee... New, old Congress cross paths in lame duck session... Financial Crisis Tab Already In The Trillions... 
BIG CUTS...
Obama interview draws record audience for '60 MINS'; Biggest audience in nine years...
WEIRD Politics AWKWARD... 
YAHOO CEO Yang To Step Down...
Posted by: Fargo Print Media on 11/18/2008 at 1:26 AM | Comments (0) | Permalink
Is E. Rahm Tough Enough?
You Tell Me.
Posted by: Fargo Print Media on 11/09/2008 at 3:43 AM | Comments (0) | Permalink
No matter how deeply they delve into people’s thought processes,
however, polls will never be perfect predictors of election results. Like the brain of an undecided voter, the electorate as a whole may lean toward one candidate or another, but until the ballots are cast on Nov. 4, it remains undecided.
Read More Fargo Phantom Breaking Stuff
HellRaising Grass Root Politics and Local Fargo's Underground Grass Roots All Readers Submissions Forum.
Posted by: Fargo Print Media on 10/29/2008 at 3:01 AM | Comments (0) | Permalink
Time for attack ads, mostly untrue, unkeepable promises, and out and out lies.
Posted by: Fargo Print Media on 10/26/2008 at 8:56 PM | Comments (0) | Permalink
Posted by: Fargo Print Media on 10/26/2008 at 3:35 AM | Comments (0) | Permalink
Posted by: Fargo Print Media on 10/20/2008 at 3:51 AM | Comments (0) | Permalink
Democrats also are lining
up behind House Speaker Nancy Pelosi’s plan to bring lawmakers back to Capitol Hill after the Nov. 4 election to work on a second economic relief plan.
Read More HerePosted by: Fargo Print Media on 10/12/2008 at 9:38 PM | Comments (0) | Permalink
What the Hell is Going on Guys?
Insurer American International Group struggled for survival a day after a financial tsunami swept away investment bank Lehman Brothers and forced the sale of rival Merrill Lynch in the biggest financial industry shake-up since the Great Depression.
Posted by: Fargo Print Media on 9/16/2008 at 3:35 AM | Comments (0) | Permalink
The Mile High Stadium was packed with Democratic Frenzy. The dawning of a new day in Denver, Colorado according to Sen. Dick Durbin, Introducing now Democratic Presidential candidate Barack Obama. Barracks acceptance speech& with profound Humility and great gratitude I accept your nomination Read More Here
Posted by: Fargo Print Media on 8/31/2008 at 1:54 PM | Comments (0) | Permalink
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Convention:Joe Biden Fires Up the Base and Threatens Russia, Pakistan, Afghanistan. Read More Here.
Posted by: Fargo Print Media on 8/27/2008 at 10:21 PM | Comments (0) | Permalink
Sponsored By The Phantom
Seattle Sound
Nirvana
Pearl Jam
Alice in Chains
Screaming Trees
SoundGarden
Better than Ezra
Gin Blossoms
Who Said The 1990s Didn't Rock?
Posted by: Fargo Print Media on 8/27/2008 at 12:17 AM | Comments (0) | Permalink
The fargo News Like Never Before Seen!
Become a Member at The Fargo Phantom
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The Phantom of Fargo......
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Check Us out having Fun...Yea You Can Too.
Posted by: Fargo Print Media on 7/10/2008 at 6:34 PM | Comments (0) | Permalink
Check us out in fargo
Posted by: Fargo Print Media on 6/28/2008 at 8:06 PM | Comments (0) | Permalink
Fargo Home Improvement Company
Click Here For
Christlhomes.com
Posted by: Fargo Print Media on 6/23/2008 at 5:01 PM | Comments (0) | Permalink
www.bakkenshaleoil.blogspot.com
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All Local..... Online Billboards
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Got Blogger Problems.... We Have Answers
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North Dakota Politics & Design
Watch Full Barack Visit to ND Here.
www.northdakotapolitics.com
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Posted by: Fargo Print Media on 4/05/2008 at 4:27 PM | Comments (0) | Permalink
Coming Soon
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Whole lotta love
LedZeppelin.com
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Posted by: Fargo Print Media on 3/22/2008 at 4:47 PM | Comments (0) | Permalink
NDSU is under appreciated, at least locally.
I wonder sometimes how many of us realize that an institution of the
size and level of NDSU has much to offer the community other than
athletics and a plot up North with cool lights.
Read more.... here
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Posted by: Fargo Print Media on 3/17/2008 at 12:17 PM | Comments (0) | Permalink
The Feathers Are Going To Fly
northdakotapolitics.com
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Posted by: Fargo Print Media on 3/15/2008 at 3:34 AM | Comments (0) | Permalink
Fargo Moorhead Ghost People
Courtesy of Ghosts Are Here
Check us out... Ghost Videos
Email Your Ghost stories in fargo moorhead.
Click Here
Property of Online Billboards
Fargo Moorhead
Posted by: Fargo Print Media on 12/15/2007 at 4:24 AM | Comments (0) | Permalink
Fargo's Restaurant Guide
Location And Website of all Fargo Moorhead Restaurants.
Check us out Fargo's Best Eats
Yum Yum
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Posted by: Fargo Print Media on 12/15/2007 at 1:59 AM | Comments (0) | Permalink
Fargo Area Women
Article Courtesy of the FM Business Journal
Check us out Successful Fargo Women
Email Your Candidate Today and we will post Him or Her
Click Here
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Posted by: Fargo Print Media on 12/14/2007 at 4:34 PM | Comments (0) | Permalink
Coming Soon: Minnesota Viking Hot Talk
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Minnesota Hot Talk Coming Soon
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Email Your Candidate Today and we will post Him or Her
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Free Fargo Moorhead Singles Chatroom
Posted by: Fargo Print Media on 12/14/2007 at 4:26 PM | Comments (1) | Permalink
Fargo Politics The Drunk Muppet AWARDS: Email Your Candidate Today
Whos Todays Biggest Idiot?
Email Your Candidate Today and we will post Him or Her
Click Here
Free Fargo Moorhead Singles Chatroom
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Posted by: Fargo Print Media on 12/13/2007 at 2:59 PM | Comments (0) | Permalink
Save Money with us.
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Corporate identity. Brand design. Brochures. Advertising. New media. Introducing Print savings in Fargo Moorhead Fargo Print: Why pay more? Save with us in fargo Click Here Save Hundreds at OreginalDesigns.com Best wishes Coporate identity. Brand design. Brochures. Advertising. New media. Full-colour printing, design, marketing & websites. Great marketing & advertising ideas for your business! Use our full color print pieces and a professional design to create an advertising campaign that really POPS. Snag new customers and get ideas on how to keep your current ones entertained.
OreginalDesigns.comPosted by: Fargo Print Media on 12/11/2007 at 12:46 AM | Comments (1) | Permalink
NDSU is under appreciated, at least locally
size and level of NDSU has much to offer the community other than
athletics and a plot up North with cool lights.
This last week was the celebration of Veterans Day, officially
November 11. This holiday was originally to celebrate
the end of World War I, and was originally called Armistice Day, as
the World War I Armistice was the 11th hour of the 11th day of the
11th month.
As part of this recognition, the History Department, the Mathematics
Department, the NDSU HIstory Club and Phi
Alpha Theta(the National History Honor Society) hosted a lecture by
Professor Emeritus Ferdinand("Fred") Haring of
the NDSU Mathematics Department.
Fred was born in Indonesia, the Dutch East Indies then, and was about 10 years old when the Japanese attacked Pearl Harbor. He spent the whole war on the Dutch East Indies Island
of Java, growing up under the rule of the Japanese as part of their "greater east Asian co=prosperity sphere." aggression: they wanted the oil.
Fred gave a gorgeous, very professorial lecture describing World War
II from his perspective. He was a little lightson Japanese
atrocities, but nonetheless gave an interesting perspective not many
of have, or know about. Particularly interesting was his description
of the battle of the Java Sea, which took place early in the war, and
apparently was the only seal battle to involve a multi-national allied naval force,
which was almost entirely sunk.
After describing the departure of the Japanese, Fred went on to
describe the foundation of the Republic of Indonesia and the loss of
Dutch influence in what is now Indonesia. This was a harder time for
the Dutch colonials than the Japanese occupation. Eventually Fred wound up in Holland,
where he had never been before, and was educated at the University of
Utrecht and the Illinois Institute of Technology before coming to NDSU
in 1962.
Celebrating another holiday, on November 20 the Vienna Boys Choir will
be performing at Festival Hall at NDSU. This is an internationally
acclaimed choral group that has performed in almost every major venue
imaginable. I understand tickets are going fast, so we might want
to check this out as soon as possible. I hope that we are not
embarassed by low attendance as has happened in the past with world
class performances.
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Free Fargo Moorhead Singles Chatroom
Posted by: Fargo Print Media on 11/23/2007 at 12:13 AM | Comments (0) | Permalink
Corporate identity. Brand design. Brochures. Advertising. New media.
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Posted by: Fargo Printing Media on 11/20/2007 at 4:23 AM | Comments (0) | Permalink
Starring Joel Heitkamp, Jack Sunday, Don Haney. KFGO
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Posted by: Fargo Print Media on 11/10/2007 at 2:39 AM | Comments (1) | Permalink
fargo Print Services
Fargo Printing: 2007 American Psychological Association Say's
Fargo Print Advertising Works
Print advertising is one of the many vehicles for getting your message to your target audience. It is also one of the most frequently used methods and has proven to be quite effective. To be effective, an ad must arouse readers in some way and create a desire to be "proactive." This means that it must prompt readers to call, email, go to a destination such as a website, make a purchase, or take some other action.
Print advertising works because readers see the product and can read your promotional message. All of the information readers need to place an order or to get more information, such as phone, fax, email address and point of contact, is included within the body of the ad.
So now that you've decided to place a print advertisement, what else can you do to increase visibility and sales? In other words, how can you get a good return on your print advertising investment (ROI)? Read on for some useful and effective tips.
There are several things you must consider when developing your ad.
? What do you want your ad to do? In other words, what is the primary goal of the ad. You must determine whether the purpose is to introduce your company or product, generate sales for a time-sensitive product, elicit a response to a question, or prompt the reader to request a free sample.
? Who is your target market and where will you find them? In order for an ad to be effective, it must be directed to and read by your target market. If you publish psychological tests, your market would be psychologists, clinicians, and other mental health professionals who utilize these tests in their daily work. So how do you find publications that are read by the target market you wish to reach? If you are promoting a new product or service, you may use the Web to search for publications or related media that this special group uses. You can also conduct research or hire a consultant to help you find your niche. Another area to explore is special trade associations that your audience may be members of. These organizations often have publications that are tailored to meet the specific needs of their members.
? What does your target market read? Once you've narrowed down your target audience, you must decide where you want to place your ad. Magazines, newspapers, trade publications or flyers are commonly used print publications. However, where you decide to place your print ad will depend on the product or service you are marketing. If you are promoting a new medical device, you will want to place your ad in publications widely-read by those in the medical or healthcare profession.
? How much do you spend on your print campaign? This may be one of the biggest questions you may have. Determining how much you will spend will also be largely influenced by your budget for the promotion and whether you are planning other advertising to support your print campaign. Some considerations in determining how much to spend include: your reach or the number of people in your primary market; narrowing down the primary publications read by your audience; and the actual cost to run an advertisement in these publications. Many publications offer various sizes, such as a 1/6 page, 1/2 page or full page, which can accommodate your budget. Of course, the larger the ad size, the greater the visibility you will have. But this does not mean a smaller ad will go unnoticed. With good design and typography and a strong direct message, a small ad can have significant impact. Other factors to consider when determining how much to spend on the campaign are: ad placement and color. Premium placement and the use of color will increase your response rate.
? When should you advertise and in which issues? Another thing to consider is when is the most likely time your target market would read about your product in the publication. Also, the frequency of the publication is another important consideration. The more people see and read your product, the more familiar they will be, which will result in greater sales generated. If the publication reaches your primary market, then you should consider expanding your budget to allow the print ad to run at least at a three-time frequency.
? What do I put in the ad? When designing the ad, be sure to include a graphic or headline that would catch the eyes of readers and hold their attention. There must be something about your product or service that would capture the imagination and interest of the reader. It could be something very new; an improvement over a past performance; a special "promotional" price; a health benefit; a less costly version of a product; etc.
? What other variables should be considered? Wherever you decide to advertise, timing is most important! A special issue of a magazine or journal will draw more readers, increasing your exposure. You may also want to consider the months in which you advertise. If you have time-sensitive products or services, they should be promoted a month or two before your targeted response deadline. Conferences and workshops should be advertised well in advance of the event, so people can plan ahead.
Print advertising works. Understanding advertising basics will help you get the exposure and sales you planned. By following these guidelines, you will be on your way to getting a good ROI. ?
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OreginalDesigns.com was
launched online by a local group of business professionals, no other
specifics were given. The group said in a press release, they started
the online printing market after they collectively saw an increase in
their print and design orders outside the Fargo-Moorhead area. The
printing and design site allows the group to offer their services to
anyone with online capabilities.
OreginalDesigns.com also offers custom design and short run print
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Prices start at $9.99 and print products range from business cards to
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Businesses can open a free shop with no upfront costs and no inventory
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Posted by: Fargo Print Media on 11/07/2007 at 2:38 PM | Comments (0) | Permalink
Fargo Biz Online: Why big companies should fear the underdog.
Fargo Print: Business cards, Post Cards, Design, Logos, Fargo Moorhead Area
Fargo Printing: Learn internet advertising in Fargo Moorhead and promote your product or service all around the web!
Fargo
ND, Internet advertising can turn your home business, micro business,
or other small venture into a profitable enterprise! Learn to promote
your biz effectively and inexpensively.
The Your Ads Mean
Business internet advertising concepts will point the way! Youﾒll find
many high quality internet advertising and promotional products from
which to choose.
Your best bets for success are:
1) proper web site optimization
2) a sound pay per click (PPC) advertising campaign
3) fresh content updated daily
4) a sound linking strategy
5) a thorough classified advertising program
There are a growing number of products and services
introduced to the fargo moorhead market every month, and your company may not stand
the test of time if it lacks a well-defined brand. Differentiation is
key for any product or service. In the information age, impressions
come to people so fast it's virtually impossible to retain all the
messages with which we're bombarded. In order to make people stop,
look, and listen, it is imperative that the brand you create cuts
through the clutter. The name and logo ? the "look and feel" of your
communications ? is the starting point for how people perceive you.
In
order to lead in your category, you want your target audience to notice
and to remember you. Because the core of your brand is your name and
how that name is visually expressed, there is a terrific opportunity to
make these elements work for you. Take your brand development
seriously, and invest what is necessary achieve your goals. This may
mean hiring an outside help. For more on the definition of a brand,
read What Is a Brand?
Equally important, make sure that you
think through and are able to communicate your company's position and
core values. If you can't articulate what differentiates you to your
branding consultant, chances are they won't be able to communicate it
visually. They need clear direction in order to craft a memorable,
differentiated brand.
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Posted by: Fargo Print Media on 10/27/2007 at 3:46 PM | Comments (0) | Permalink
Fargo Online Media: Women in Business
Fargo Woman in Focus Mary Johnson
Mary Johnson, CPA
Born: Coronado, CA, 1957, grew up in Kindred, NDEducation: B.S. Physical Education and minor in Accounting, Concordia 1979
Business: President & CEO, Union State Bank since 1998
Community Volunteering: Vocational Training Center Board of Directors, Bethany Homes, Inc. Board of Directors, non-profit and civic boards, professional organizations, first female member of Lake Agassiz Kiwanis
Once out of college, this Concordia phy ed major fully intended on teaching and falling back on the accounting profession if needed. Mary did not teach and her career path led directly to the accounting profession which she found to be a better match for her. Out of college, she joined Charles Bailly & Co. where she practiced accounting for four and a half years.
Mary went on to gain a variety of professional experience. After practicing accounting, Mary moved on to positions in commercial lending at First Bank and US Bank. Eventually, she worked for Lutheran Health Systems advising business entities with their financial planning, challenges and business growth. From Charles Bailly & Co and beyond, Mary has utilized her keen accounting and analytical skills to serve clients in the business world.
When asked what her favorite employment was before her current position at Union State Bank, Mary said it was as a commercial lender at First Bank. Another favorite was working with the healthcare companies through Lutheran Health Systems.
Now years later, Mary said maturity and experience have greatly added to her business perspective in banking and have developed her keen sense of problem solving and resilience to steadily accomplish business goals for Union State Bank.
Mary is proud of Union State Bankﾒs niche in the locally competitive business of banking. Mary and her staff pride themselves on their unique style of friendliness and personal service. Walking in to Union State Bank, you immediately feel a comfort combined with the business atmosphereﾗa neighborhood feel with staff knowing customersﾒ names, and the business of relationship buildingﾗeasy accessed advice and services to meet peopleﾒs banking needs.
Behind the front counters, Union State Bank is very aware of trends in banking. Mary pointed out that electronic capabilities are opening up numerous client service possibilities and that competition is coming from non banking entities such as mortgage companies. And, because of customer internet usage, they also strive to build non- traditional ways of maintaining distant banking relationships.
Mary feels that her biggest career obstacle was not having a pre-ordained career pathﾗthat she did not set out to be a bank president. She happened to find out that she loved banking because it meant coming up with solutions for people every day. She added that sometimes it is better to be a woman in banking because she can feel a two-way trust building with clients and it is comfortable to say,ﾔ Letﾒs find a solution.ﾔ
Her business inspiration comes from several people. Her husband says ﾑyou can do anything ﾖ youﾒre capable.ﾒ Mary also lists several others that are encouraging to her in business. Mary said that Dr. Hamilton, chair of the Union State Bank board of directors is very empowering, intelligent and forward thinking about their business and Mary is quick to mention Nick Hammerstein and Pam Anderson, both of Fargo, who she serves with on local nonprofit boards.
A normal work day for Mary includes many phone calls and finding solutions one-on-one or in small group situations. Sharp and focused, Mary takes on issues and quickly finds solutions for both customers and employees.
All in all, Mary is a commercial lender, works to match staff objectives to the needs and growth of the bank, meets compliance issues and consults to bank customers. Mary is continually learning by reading trade journals and internet information, working with vendors and taking part in educational offerings through Eide Bailly.
Maryﾒs plans for the bank are to position the bank to continue to grow and to be careful not to try to be all things to all people and lose their effective business niche. When Mary joined Union Sate Bank as president & CEO nine years ago the bankﾒs assets were $18,500 and today they are at $50 million. Clearly, she is doing it right.
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Posted by: Fargo Print Media on 10/24/2007 at 11:10 PM | Comments (0) | Permalink
Fargo Moorhead Home Builder Profile Chad Peda
Fargo Moorhead Builder Profile Chad Peda
Hometown: Fargo, ND
Your first job was: Leather craftsman, made it by hand and started selling it as a teenager.Favorite type of music: Classic Rock, 70ﾒs Rock, Country, Variety, if it has a rhythm.
Professional training: 14 years of Sales & Marketing
Your favorite thing about building: At 6 years old I nailed scrap wood together in my parents shed and now I do the same thin, just a little neater, for families and businesses in the community.
I ignite my sales by: I service my clients from the first call to every call.
Favorite restaurant: The Neighbors Restaurant in Horace, great food and worth the drive!
When I cook at home I like toﾅ: Create something new every time
One thing every homebuyer should keep in mind when building a home: Ask for what you want to have and make sure you get itﾅitﾒs your home!
Your favorite charity is and why: Big Brothers, Big Sisters make a difference for them!
I have experienced many different fields in my years of employment. For me the childhood dream became my passion, from building small wooden boxes in Dadﾒs shed at age 6 to challenging myself today with tearing apart a clients home to make it new to fulfill their wants and needs. It is my passion. I love what I do and strive to do it well day in day out, from new construction to remodels and additions. Whether your home or your business, I enjoy building and fulfilling your dreams. Iﾒm looking forward to meeting you soon, take care.
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Posted by: Fargo Print Media on 10/24/2007 at 10:55 PM | Comments (0) | Permalink
Fargo Moorhead Builder Profile Dan Parrow
Fargo Moorhead Builder Profile Dan Parrow
Dan Parrow
Business: Interstate Remodeling, Inc / ISR Homes
Contact Info: Jennifer Hogenson-Jensen with Real Estate Services,
Your first job was: Roofing for my dad as a teenager.
Favorite type of music: Contemporary Christian.
Professional training: One year in the Carpentry program at Northwest Tech and a degree in Sales & Marketing from Northwest Tech.
Your favorite thing about building: Working with the homebuyers and sub-contractors.
Did you or do you have a mentor? My dad Harold.
I ignite my sales by: Open houses every Sunday from 1:00 to 4:30 and the use of our web site, www.isrhomes.com
Favorite restaurant: Olive Garden.
When I cook at home I like toﾅ Cook anything Italian.
One thing every homebuyer should keep in mind when building a home: Know the builder and know the sub-contractors that are or may be working on your home.
Your favorite charity is and why: The
church I attend has been going to Latin America for a number of years
building schools. I have been a part of this for the past six years
working for two weeks each February.
Interstate
remodeling / ISR Homesﾒ aim is to build you more than an exceptional
home. Weﾒre committed to supporting you in every stage ﾖ from the start
of your search, to the planning and building stage, and extending on to
when you live in and maintain your home.
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Posted by: Fargo Printing Media on 10/23/2007 at 8:29 PM | Comments (0) | Permalink
Fargo Printing
FARGO PRINTING SERVICES
Let Us Help you save money.......on Your Print Work
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Fargo Print: Save Money with us Locally
Fargo Printers
Let Us Help you save money.......on Your Print Work
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Call 701-729-3824
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We
create marketing communications to support every aspect of your
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Posted by: Fargo Printing Media on 10/23/2007 at 12:17 AM | Comments (0) | Permalink
Builder Profile Fargo
Find a Great Local Fargo Moorhead Builder: Bob Pearson Eid-Co
Name: Bob Pearson
Business: Eid-Co Homes, a residential home building company
Hometown: Grand Forks, N.D.
Your
first job was: As a courtesy boy and stockman at Red Owl in Grand Forks
beginning in 1962. I ultimately became a store manager in West Fargo in
1970.
Favorite type of music: ﾓBig Bandﾔ sounds of the 20ﾒ through the early 50ﾒs. Some country is OK also.
Professional training: On
going education and training offered through the National Home Builders
Association and through the National Association of Realtors.
Your
favorite thing about building: Being instrumental in assisting young
people/families in purchasing their first home. Knowing that in the
majority of cases, homeownership has the greatest potential toward
gaining long-term financial security for those acquiring their first
home. My best
Did you or do you have a mentor?
Morris Pyle got me started in Real Estate as a new home sales associate
with Eid-Co Homes in 1974. At the time I remember thinking that Iﾒm
simply not the salesman type. Morrisﾒ response was, ﾓApproach selling
real estate as being a problem solver. ﾓYouﾒ
I ignite my sales by:
Our furnished model homes and a state-of-the-art web site are very well
received by our customers. We at Eid-Co Homes focus on providing homes
that meet the needs of our customers and that represent an excellent
value in the market place.
Favorite restaurant: The
Olive Garden, Red Lobster, Ponderosa, as well as the caf￩ in the Fargo
Holiday Inn provide good value and consistent qualityﾅone eating place
would be boring.
When I cook at home I like toﾅ
grill a thick steak along with a salad and buttered French bread. A
ﾓplain oldﾔ hamburger hot dish also hits the spot a few times a month.
One
thing every homebuyer should keep in mind when building a home: The
most important thing is to explore the entire market in your price
range so that you become an ﾓinformedﾔ buyer. Many of the people that
you may want to count on for advice have not been in the home market
recently, and therefore, their advice may not be pertinent or accurate
today. A great Realtor is pricelessﾅask acquaintances about their
Realtor experiencesﾅand choose the one you are most comfortable with.
Your favorite charity is and why: The
Make-A ﾖWish Foundation. A young person hurting is such a difficult
condition for me to accept. Therefore, if there is a way to lessen the
pain and uncertainties these kids and their families are confronted
with, itﾒs appropriate that we do something. They are entitled to a few
hours or days of distraction and happiness.
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Fargo Blog Media: Fargo Is'nt Boring
Fargo Blog Media: Fargo Is'nt Boring
I found this in a blog and thought it was of some interest Submitted by Fargo Visitor Mz.Sasa
Before
going to Fargo, I watched the movie, and since I'm not from the
Midwest, I got a huge kick out of it. This weekend, my co-worker and I
took a spur-of-the-moment trip to Fargo to visit friends. They hadn't
seen the movie, so we watched it, but no one else really thought it was
funny!Anyway, that was a random aside.Fargo was great. It had cute
shops, restaurants and cubbyhole hangouts. It also had interesting
places to see, like the largest all-sports store in the world (Scheels)
and Space Aliens Grill and Bar (yes, I realize this isn't unique to
Fargo).I'm not sure I would take a trip there, as I would Chicago or
New York, if I didn't know someone who could show me the sights, but it
turned out to be a neat place.
Yeahhhhhhhhh Fargo aint boring!
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Fargo Printing: North Dakota Dependency Ratio Expected to Increase
North Dakota Dependency Ratio Expected to Increase
A decline in North Dakotaﾒs youth during the past couple of decades, combined with the bulk of baby boomers moving through the prime labor force, has resulted in a declining dependency ratio (fewer dependents per worker)
Fargo, ND - According to 2006 population estimates released by the Census Bureau, for every 100 working-age residents in North Dakota, there were approximately 53 nonworking-age residents. In other words, there were approximately two workers providing for every one dependent.
If the current age distribution patterns continue, 2020 projections indicate that this ratio will rise to 71 nonworking-age residents for every 100 residents of working age. In addition, 18 counties in the state are projected to have more dependents than workers by 2020.
ﾓThis is a situation that should raise concern among policymakers,ﾔ says Richard Rathge, director of the North Dakota State Data Center at North Dakota State University. ﾓWe have a limited window of opportunity to position ourselves for this reality and I think the time to start planning is now.ﾔ
This monthﾒs ﾓPopulation Bulletin,ﾔ a monthly publication from the North Dakota State Data Center, focuses on North Dakotaﾒs dependency ratio. It measures the dependence that nonworking-age people have on working-age people. It indicates the economic responsibility of those who are economically active in providing for those who are not. The dependency ratio combines the proportion of people who are not of working age, either because they are less than 16 years old or because they are age 65 or older, and compares this total with the proportion of people who are of working age (16 to 64).
A decline in North Dakotaﾒs youth during the past couple of decades, combined with the bulk of baby boomers moving through the prime labor force, has resulted in a declining dependency ratio (fewer dependents per worker). The dependency ratio, which was 64 nonworking-age residents per 100 working-age residents in 1990, declined to 58 per 100 in 2000, 55 per 100 in 2003 and 53 per100 in 2006. However, baby boomers soon will be leaving the labor force and entering retirement. In fact, the leading edge of the baby boomers (those born between 1946 and 1964) turned 60 in 2006.
As the dependency ratio increases, so does potential for concern among communities faced with an older, nonworking population. In 1990, the majority of nonworking-age residents in North Dakota were youth less than 16 years old. By 2020, retirement-age residents age 65 and older will capture the majority of nonworking-age residents. This shift in age structure will impact the types of decisions needed to provide services to an older, nonworking populatio.
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Breaking News Fargo ND: Can you make it on social security in Fargo?
Part 3 of 5: Baby Boomers' forecast and 401K's
The next two installments will focus more on the survival within a real marketplace since our next subjects already have more established buying habits and less loans or obligations.
We will profile an individual living on social security and a pension in North Fargo. The individual lives alone, has been retired for ten years and does receive a monthly supplement pension of $450. The house is paid off and so is the car. His television is often turned off and is cable-free. Like last month, our subject has elected to remain anonymous due to the sensitive nature relating to income and living environments.
The following a breakdown of the retireeﾒs monthly budget:
The Paychecks
Monthly Social Security Check - $662
Pension - $450
Net Income - $1112
Utilities & Professional Amenities
Phone - Land Line - $50
City of Fargo - $35
Xcel - $200
Total Utilities - $285
Additional Expenses
Newspaper Subscriptions - $30
Health/Pharmacy - $200
Total Other Expenses - $230
Shelter Expenses
House Mortgage - $0
Monthly Property Taxes - $220
Monthly Insurance - $50
Total Shelter Expenses - $270
Transportation Expenses
Auto Payment 1 - $0
Auto Insurance 1 - $40
Gasoline/Repair 1 - $100
Total Transportation - $140
Total Monthly Bills - $925
Total Monthly Income - $1112
Entering Retirement - 1997
Annual Property Taxes: $1,420
Cost of a gallon of regular gas: $1.11
Cost of a dozen eggs: $0.87
Cost of a gallon of milk: $2.88
Ten Years into Retirement - 2007
Annual Property Taxes: $2,177
Cost of a gallon of regular gas: $3.11
Cost of a dozen eggs: $1.58
Cost of a gallon of milk: $3.76
Change in annual property taxes: $757 (+53%)
Change in a gallon of regular gas: $2.00 (+180%)
Change in a dozen eggs: $0.71 (+81%)
Change in a gallon of milk: $0.88 (+30%)
Social Security and retirement research facts according to the Pension Benefit Guaranty Corporation, the federal agency insuring pensions:
According to a recent government study, which analyzed over 17 million participants with about 45,000 different 401K plans, on an average, the study concludes 401K recipients will have about three times what they had for a salary. For example, if someone was making 40K-50K for their career, they would have about $150K. This amount is expected to be used up in seven to eigth years. A potential problem surfaces because life expectancy is seventeen years after retirement, leaving retirees nine to ten years to live off just social security.
If everyone were to cash in their pensions this year, the current pension program would be $450 billion dollars underfunded.
Currently over 18,000 companies have underfunded their pensions and in the next five years many more major corporations are scheduled to default on their pensions.
Pension experts now say the average employee has to put away about 18% of our salary for your retirement, every year over your entire career. Otherwise, they warn, you may not be able to afford the ﾓpredictable expenses.ﾔ Currently less than 10% of employees contribute the maximum amount. - Brooks Hamilton, Pension Expert & Corporate Tax Consultant of 30 years
According to the Depart. of Labor, in 1974 the company put in 89% to a fund and the employee 11%. Today the employee puts in 51%. Over the past thirty years, there has been a cost shift of 40% from contributions made by the employee.
Next month: How much does a NDSU graduate need to make after graduation?
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Fargo Super Agent Diane Nordhougen
Fargo Real Estate: Super Agent Profile Diane Nordhougen
Red River Home Guide Superagent Profile
Name: Diane Nordhougen
Employed By: Park Company Realtors, 28 N. 10th St, Fargo, ND 58102
Hometown: Averill, MN
Your first job was: Waitress in Dilworth, MN
Favorite type of music: All kinds, especially light rock and easy listening
Professional training: Certified Residential Specialist (CRS), Graduate Realtor Institute (GRI), Certification for Internet Professionalism (e-Pro)
Your favorite about selling real estate:
Meeting new people and assisting them through good and bad times while
selling or buying their homeﾅmaking a difference one home at a time.
Did you or do you have a real estate mentor?: Yes, several that I watched and admired over the years.
I ignite my real estate sales by: Constantly staying in touch with my clients!
Favorite restaurant: Jonny Carinoﾒs
When I cook at home I like toﾅ : Have friends and family join us!
One thing every homebuyer should keep in mind when searching for a home:
Get pre-approved before you start looking and then determine what you
want for payment costs. Sick to your budget so you donﾒt overextend
yourself and become house poor.
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Fargo Printing: Save Money with us Locally
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