"Where Fillmore County News Comes First"
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Monday, August 31st, 2015
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Why should I pre-plan my funeral?     


Mon, Oct 31st, 2011
Posted in Ask the Expert

Pre-planning one's funeral can seem like a daunting task. In reality it's a simple process that we guide you through, giving you a sense of comfort knowing your wishes will be carried out. You will have the opportunity to choose the type of service you prefer and make known your wishes as to the type of merchandise that suits you. Frequently at arrangement conferences I hear, "I wonder what Dad would have wanted?" Families often tell me that they were relieved to have readings, music, and flower preferences of their loved one preplanned.

     Most often individuals choose to prefund their funeral. This gives you the added comfort of knowing those funds will be protected in a funeral trust or burial insurance policy. In cases in which the help of Medical Assistance becomes necessary, the preplanned funds will not count toward one's assets.

Rushford 864-7771 • Houston 896-3127

St. Charles 932-4100 • Lewiston 523-2277

Goodview / Winona 452-4241

www.hofffuneral.com

Q: What bank products are insured?

Mon, Oct 31st, 2011
Posted in Ask the Expert



A: Any money you have in savings and checking accounts or in certificates of deposit (CDs) is known as a deposit. Your funds are available (such as by check, personal and ATM withdrawals ) and the bank will return your deposits and any earned ..... 
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My Student Loan payments are almost as much as my house! Should I file bankruptcy?

Mon, Oct 31st, 2011
Posted in Ask the Expert

No - not for that reason. Student loans are generally not dischargeable unless repayment causes an "undue hardship" on you and your dependents.

 "Isn't paying a second house payment to Sallie Mae an undue hardship?" That answer is also " ..... 
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My clutch chatters and fells 'jerky' when I start out from a dead stop. Do I need a new clutch?

Mon, Oct 31st, 2011
Posted in Ask the Expert

Probably. Chattering and jerking can be caused by oil contaminated clutch linings (due to an oil leak on the back of the engine, usually the rear main crankshaft seal), or by damage to the clutch itself. For the clutch to engage

smoothly, the ..... 
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Different Sales Tax

Mon, Oct 31st, 2011
Posted in Ask the Expert

What a beautiful fall we are having.

Remember back in 2008 when there was a vote to raise the sales tax to 6.875%? A lot of us in the car industry were left in the dark as to what percentage to charge on a car sale. Well lucky for all of us t ..... 
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Issues To Discuss When Choosing A Buyer's Representative

Mon, Oct 31st, 2011
Posted in Ask the Expert

To help ensure a successful home purchase, it's important to first choose a buyer's agent. Narrowing your search to ABR®-designated agents is a good first step. Here are some of the most important issues to consider and questions to ask when int ..... 
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Do Pets Benefit from Acupuncture?  

Mon, Oct 31st, 2011
Posted in Ask the Expert

Most cats and dogs enjoy their acupuncture treatment at our clinic. Acupuncture releases beta-endorphins which have been shown to relieve pain. In addition, stimulation of acupuncture points allows energy in the body to flow freely which makes your p ..... 
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Where should I keep my will?

Mon, Sep 26th, 2011
Posted in Ask the Expert

You've gotten your will done! Where do you keep the original? Above all, you should keep it in a safe place that your named personal representative has access to. Normally, a safe deposit box is the best place to keep important documents. However, un ..... 
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I'm buying a new set of tires. Should I have them balanced?

Mon, Sep 26th, 2011
Posted in Ask the Expert

Yes - Balancing helps to guarantee a smooth ride at highway speeds, and it helps to maximize tire life. An out-of-balance tire can be very annoying because it produces a shake that increases in intensity the faster you go. The up-and-down shaking of ..... 
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