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The Safe Sleep Campaign

by John Schutte

 

As women in our community struggle both financially and with proper health care, The Teddy Bear Den is committed to encouraging each and every one of them to lead healthy lifestyles.  Since June of 1996 the Den has served over 12,000 limited income pregnant women and their infants, providing referrals, education and incentives, assisting them with property health care.

Mothers enrolled in the Den earn points or "Teddy Credits" by attending health care provider appointments, not smoking or using drugs and utilizing other agencies in our community such as Mentor Mom or Bright Start.  Participants continue to earn points until their child is fifteen months old being rewarded for attending well baby checkups and immunizations up to fifteen months of age.  Participants can then use those points in the Teddy Bear Den to buy basic necessities for mothers - clothing, diapers, highchairs, strollers, and most importantly, cribs and mattresses.  The Den is also on a mission to provide all of our participants in need of safe sleep for their child a new crib in exchange for their healthy lifestyle points.

Since the Teddy Bear Den launch of safe sleep, hundreds of cribs have been "purchased" by our participants with their "Teddy Credits".  We are proud to say the Den is promoting safe sleep for our babies and working hands on to keep this at the top of our list of priorities for 2014.   Convincing our participants NOT  to sleep with their children has been difficult.  Despite the easiness of sleeping with your child, the Consumer Product Safety Commission warns parents not to place their infants in an adult bed, therefore reducing the risk of sudden infant death syndrome (SIDS).  Bed sharing is extremely common for our participants because they are unable to afford to financially purchase a crib and mattress in a retail store.  We regularly share information with our ladies letting them know that sleeping with their child puts their babies at risk of suffocation and strangulation.

  The Teddy Bear Den is proud to kick off The Safe Sleep Campaign and team up with John Schutte of Farm and Home Real Estate.  As a realtor, John sees first-hand the families looking for appropriate homes and bedrooms for their children and John jumped on board with The Safe Sleep Campaign.  Each home that John lists in the upcoming months, he will provide a crib and mattress for one of our participants.  If you list your home with John YOU will not be the only one that will sleep well tonight!

Call John at 605.310.9440 for your no-obligation analysis of your home TODAY.  If you decide to list your home for sale with him, a little baby's life will forever be enhanced by receiving a safe place to sleep! 

Should I Buy a Home Now?

by John Schutte

I'm often asked if this is a good time to buy a home. Some clients are concerned that home prices may fall further than they have already. They are assuming that the best course of action is to wait for the bottom in the market and then buy. The problem with this approach is that you don't know where the bottom is until you see it in the rear view mirror, meaning until you've missed it!

Home prices are one factor in determining your cost of ownership, but so are interest rates and financing availability. Even though interest rates have gone up in the last six months, they are still near historic lows. Since your monthly mortgage payment is a combination of paying down your principal and paying the interest owed, if home prices come down a little further but interest rates go up, it could cost you even more to service a mortgage on an identical home!

While a home is a major investment, it is also the center of your personal life. It's important to live in a home that reflects your taste and values, yet is within your financial "comfort zone." To that end, it may be more important to lock in today's relatively low interest rates and low home prices, rather than to hope for a further break in prices in the future.

Please give me a call if I can be of any assistance in determining how much home you can afford in today's market.

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John Schutte
Keller Williams Realty Sioux Falls - Farm & Home Real Estate Team
5915 S. Remington Place
Sioux Falls SD 57108
Mobile: 605.310.9440
After Hours: 605.366.7028
Fax: 605.275.0565