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The holidays can be such a joyous time of year, but so much time and effort to plan and prepare, and then… just like that, it’s over. The meal leaves you full and exhausted. The holiday bills can leave you feeling much the same. Without even looking at your bills, you already know you ignored that “budget.” Now what?

Have you ever wondered how valuable your time is versus your money? Time is much more valuable than money, we can use our time to make money, but we cannot use our money to purchase more time.   Believe me, I have checked!

North Dakota's longest-serving state treasurer won't seek another term in 2020.

Treasurer Kelly Schmidt told the Tribune on Tuesday that she doesn't intend to run for a fifth four-year term.

"This is not something I have taken lightly," the Republican said. "I have thought about it. I have prayed about it. I have visited with my family about it. And it's just time for a new chapter. I think we all get to that point that it's time to turn the page, and I feel that it's my time."

There is not a day that goes by that one of my accounts is asking for a new password. Trying to remember what I have used and how to come up with a password that is 15 characters long, contains upper and -lower- case letters, symbols and numbers can be exhausting!

Fall is here!  I know some have already experienced the first chill of winter, but that’s another conversation.  

Many of us North Dakotans enjoy this time of year watching the leaves change, finishing the fall harvest, football, and bonfires. This time of year is also a decision-making time for many North Dakotans.