A Holiday Miracle!

My name is Linda Hostetler. I had the amazing experience of working with Krista Phillips for over a year, and what a pleasure it was.

Not only did Krista “hold my hand” walking through the mess we had gotten into, but she “coached” me and showed me how to never let it happen again.

Over the time we worked together, I felt like I had made a wonderful friend in Krista. She was excited when we got good news, and supportive when we didn’t. I cannot think of words to express our appreciation for what NCR through Krista’s help has met to us. Our credit scores increased about 100 points during that time, and have continued to improve even sore since by following what we learned from Krista. Since our business relationship has ended, we have given your name to several others, including our real estate broker and the credit union loan officer.

As I write this, we are waiting to hear from the lender as to our closing date of our new home, which we believe will be next Thursday. We are excited and extremely thankful for the opportunity to work with Krista & NCF….

Love you Krista!!!

Sincerely ,

LaVerne and Linda Hostetler


“6 Tips to Shop Safer This Holiday Season”


Holiday Fun Facts

1. Given the different time zones, Santa has 31 hours to deliver gifts, but his reindeer really have to fly, since that means visiting 823 homes per second.

2. Dreaming of a green Christmas? Household waste increases by 25 percent between Thanksgiving and New Year’s Day. In the United States, trash from wrapping paper and shopping bags totals 4 million tons.

4. The U.S. Postal Service delivers 20 billion cards and packages between Thanksgiving and Christmas Eve.

5. Rudolph first hit the holiday scene back in 1939, when Montgomery Ward stores distributed 2.4 million copies of “Rudolph the Red-Nosed Reindeer,” written by Robert L. May, a copywriter for the company. Executives vetoed the original name, Rollo, when May’s young daughter suggested Rudolph.

6. The Löschner family of Neuhausen, Germany, owns the biggest nutcracker collection: 4,334. It is said that German craftsmen made the first decorative nutcrackers around 1800 as a way of mocking authority figures, leading to the phrase “a hard nut to crack.”

7. Despite their bad reputation, poinsettias aren’t deadly. Latex in the stems and leaves can be irritating, but not much more, to humans and animals.

8. The first candy cane dates back to 1670 in Germany. According to holiday lore, a choirmaster distributed sugar sticks bent into the shape of a shepherds’ crook to quiet his young singers during Christmas services. Today more than 1.76 billion candy canes are made for the holidays, enough to stretch from Santa Claus, Indiana, to North Pole, Alaska, and back again 32 times.

9. Charles Dickens wrote “A Christmas Carol” between October and November of 1843. The story was a hit, selling 6,000 copies by Christmas Day.

10. The largest gingerbread man in the world is a dieter’s nightmare, weighing in at a whopping 466 pounds, six ounces. The Gingerbread House, in Rochester, Minnesota, baked the giant cookie on February 21, 2006.

11. An average of 5,800 people end up in the ER after suffering injuries from holiday decorating.


“All our dreams can come true if we have the courage to pursue them.”

Walt Disney