Catholic Aid Journey Magazine May-June
The May-June 2009 issue of Catholic Aid Journey, Catholic Aid Association's official publication.
May/June 2009 Vol. 114 Issue 3 Catholic Aid Journey Official Publication of the Catholic Aid Association Swinging into summer + Member appreciation events in your area - 23 Get out and get into the garden - 10 planner forget this - 14 +Don't let your wedding From the President "Preach the Gospel by the way we live our lives." How profound and how simple. As I write this Journey column it is the feast of the Ascension, May 21, 2009. Actually many Diocese celebrate this Holy Day on Sunday, May 24. According to a web site I referenced, this Holy Day is called a movable Holy Day, so I guess either day could be appropriate. I didn't want to start my column with an error so I guess I started it with an explanation. As I travel to work in the morning I sometimes have the opportunity to listen to the daily Mass broadcast on the Catholic Channel of XM radio. The Mass is celebrated at St. Patrick's Cathedral in New York City, and often the celebrant is Archbishop Timothy Dolan, former Archbishop of Milwaukee and a true spiritual leader. He reminds me of the late Bishop Paul Dudley in his love for the Church. On the Feast of the Ascension, after the reading and the Gospel, the homily referenced the two men dressed in white who stood next to the disciples after the Lord ascended into the clouds. You can just see the disciples standing there with their mouths open, looking up and wondering, "Wow, what do we do now?" The two men in white, who appeared next to them and who are mentioned in Acts 1:10�11, basically told them to get to work. The Lord had already told them that their job was to be His witness throughout the world. As the homilist put it, "they were called, as we are, to preach the Gospel by the way they live their lives." "Preach the Gospel by the way we live our lives." How profound and how simple. These words to live by present a clear path to follow that should create little if any confusion as we travel through life. There has been much written recently about the clear path the Catholic Church is on and those who disagree with it. For example, recent comments about President Obama speaking and receiving an honorary degree from the Catholic University, Notre Dame. despite his support for the Freedom of Choice Act. There On the Cover On the Cover Catholic Aid Association President/Chairman Michael F. McGovern, Northfield Senior Vice President and Secretary/Treasurer Dennis Borrmann, St. Paul Harald L. Olson, Vadnais Heights Lead Director Frances M. Barten, Union Hill Board of Directors Bernard B. Bastian, North Mankato; George Gmach, Rogers; Joseph F. Kueppers, Mendota Heights; John W. Maile, Cold Spring; Deborah M. Pauly, Jordan; Gary E. Polaczyk, Woodbury Magazine Staff Publication No. 093500/Official Publication of The Catholic the Catholic Aid Association Publisher Michael F. McGovern Editor Jared Roddy Director of Marketing Steve Wendorf Marketing Manager Steve Wendorf Staff Susan Detlefsen, Rebecca Redlin Photo: Bob Pearle Office of Publication: Catholic Aid Association, 3499 Lexington Ave. N., St. Paul, MN 55126-8098; 651490-0170 or 1-800-568-6670. Postmaster: Send change of address notice to above. Periodicals postage paid at St. Paul, MN. Subscription price is 50 cents a year. Published bimonthly. Jason Seidl tosses a pitch to his Kelsey Smith Photo: son Joshua as his wife, Joleen, and their John Nelson of Yankton, other children, Megan, S.D., and his aunt, Elsie, Kyle and Matthew, play organized a holiday food in the outfield of Johnson drive for a food shelf in Park in New Ulm, Minn. November (see page 6). 2 May/June 2009 www.catholicaid.org "The first line of our Vision states, `Bound by our Catholic Faith...' and as a core value it is the essence of our past and our future. If we lose track or wander from this, our path, we will not survive." Michael F. McGovern were two articles in the `Opinion Exchange' section of the Minneapolis Star Tribune on Sunday, May 10th. The first declared that the Vatican and the Pope are soft on abortion, which hardly even deserves a comment. The second, a piece entitled, "The face this faith should put forward" was essentially a lengthy piece suggesting that Archbishop Nienstedt should put more emphasis on social justice programs and less on abortion. Thank goodness they printed a "counterpoint" in the next Sunday's paper titled, "Right to life: A timeless teaching" by Reverend George Welzbacher. The final sentenced summed up his thoughts when he wrote that it was all well and good, "the promotion of a program of `empowering' individuals `to fully participate in the economic, political and cultural life of society.' Unfortunately, when you're dead you can't participate." Not everyone appreciates how clear the Church's path really is. Today, as throughout our 131-year history, we have emulated the Church's teachings by following the Gospels of our Lord. The first line of our Vision states: "Bound by our Catholic Faith..." and as a core value it is the essence of our past and our future. If we lose track or wander from this, our path, we will not survive. In this year's Catholic Service Appeal by the Archdiocese of St. Paul and Minneapolis, Archbishop John C. Nienstedt wrote, "We are not Catholic because we strive to serve others. We serve others because we are Catholic, because we are the Body of Christ in today's world." The Catholic Aid Association was founded with its link of service to the Church. This link has given us the nourishment to charge forward, to maintain our strength, and help us foresee the future. Without listing all the programs we promote, all the activities we are involved in, and all the charitable works we perform, at the corporate and council level as well as in every member's household, it is essential for us to always remember who we are. Our responsibility, as the homilist said, is to "preach the Gospel by the way we live our lives." May the Lord bless you in every way. Contents Features Sections Scrapbook Member stories, CAA tidbits and news headlines. 10 How does your garden grow? 6 CAA Foundation 4 Golf Tournament Another record year for the Foundation's major fundraiser. 7Life Changes = 9 14 Life insurance There's so much to do planning a wedding -- reevaluating your life insurance should be on your list. In Maple Lake, Minn., two members are going green and taking others with them. 50-year members The class of 1959 matriculates to 50-year memberhood. 15 1619 Recession Buster CA Journey shines the spotlight on a member-owned business. Company Business Wellness, Recipes, Sales Awards, Board Minutes, Memorials & more. The Wintz Family enjoying a summer stroll -- members from Yankton, S.D. firstname.lastname@example.org May/June 2009 3 Scrapbook Attention Nominations due! Recognize the hard work of members of your council by nominating them for Fraternalist of the Year or Youth Volunteer of the Year. The winning nominee will be recognized at the Annual Convention on August 8, 2009. The awards recognize the members who show outstanding leadership and service in their community and parish. Contact the Fraternal Department for a nomination form. Nominations are due by June 15, 2009. `Theology on a Stick' is back at the Minnesota State Fair for another year! `Theology on a Stick' is taken from the popular `Theology on Tap,' where young adults gather at local pubs to discuss issues of faith. Young and old are invited to Theology on a Stick at the Saint Bernard's Lodge to `grill the priest' with questions of faith, get your picture with Pope Benedict XVI and to enjoy conversation with other Catholics. This event is brought to you by the Cathedral of Saint Paul Young Adults Group and is sponsored by Catholic Aid. For more information about this event, visit www.theologyonastick.org. More fun than you can shake a stick at Mahtomedi, Minnesota: For many years, two retired school teachers at St. Jude of the Lake School in Mahtomedi, Minn., have made dozens of Easter baskets to donate to Joseph's Coat in St. Paul. When they told St. Jude Council Youth Liaison Rocky Yarusso (below left, pictured with Fraternal Liaison John Sullivan) it had become too much work for them, she moved to fill the void. Enlisting members and parishioners to donate toys, baskets and candy -- and to help put them all together -- more than 100 Easter baskets were delivered to Joseph's Coat before Easter Sunday and handed out to needy families on Easter weekend. Corekshuns Corrections! Page 5: CA Journey reported that the Searles Council made 500 dozen cookies for their community. We forgot a zero. The St. John the Baptist council baked more than 5,000 dozen cookies for this project. Page 15: Stephen Maas's name appeared as both Stephen and Steven, it is spelled Stephen. His video duplication company Astound Video Duplication and Transfer's phone number suffered from a typo - the number is 651-644-2412. 4 May/June 2009 www.catholicaid.org How to Contact your Field Representative: Look on the back cover of this magazine. Your Field Representative's name and contact information should be listed with yours. Otherwise, visit www.catholicaid.org, or call 1-800-568-6670. Convention Update St. Paul, Minnesota 2009 Tentative Convention Schedule Saturday, August 8 University of St. Thomas 7:00 � 8:45 AM Breakfast Friday, August 7 2:00 - 8:00 PM 2:30 PM 3:00 PM Registration Silent Auction, Mission Sales and Displays Committee Meetings: Appeals, Constitution, Good of the Association, Resolutions Rosary Opening Convention Mass Adoration of the Blessed Sacrament Banquet Silent Auction, Entertainment and Social Gathering Young Delegate Social 7:00 � 8:00 AM 8:30 AM 9:30 AM 10:30 AM 10:45-11:45 AM 11:45 AM 11:45 -1:00 PM 1:00-1:45 PM 2:00 PM 2:45 PM 3:00 PM 4:30 PM 5:30 PM Registration Credential Committee Meeting First Time DelegateGet Together Convention Session I Break Convention Session I (cont'd) Election Committee and Marshals Meeting Lunch Breakout Sessions Convention Session II Break Convention Session III Mass for Deceased Members Dinner 4:10 PM 4:30 PM 5:45 PM 6:00 PM 7:30 PM 9:00 PM Friend in need: St. Patrick's parishioners, Hinckley residents and Immaculate Conception Council members turned out Sunday, May 24, to support Spencer Schwartz, a local teen battling bone cancer. Spencer is well-known from his involvement in the St. Patrick's youth group and from his job at the grocery store. Several thousand dollars were raised to help his family with medical costs. Did You Know? To raise funds for a new church building at St. Mary's parish in Upsala, Minn., the parishioners and St. Mary's Council members have published a cookbook, Rub a Dub Dub, Thanks for the Grub. Yea God. The $15 book contains color photos and the history of St. Mary's Church, along with more than 550 recipes. Get yours by emailing Mary at email@example.com. May/June 2009 Turn to page 23 for a list of local CAA events Contact the Fraternal Department at 651-490-0170 to have your event listed in an upcoming issue of CA Journey. firstname.lastname@example.org 5 Foundation New fundraising record is par for the course... On May 19, 112 golfers, including 14 clergy members, enjoyed a beautiful day at River Oaks Golf Course in Cottage Grove, Minn. Thanks to our tournament sponsors, individual donors, silent auction contributors, golfers and the volunteers, this year's net revenue once again set a new record with more than $27,000 raised. The Annual Paul Naumann Executive Director Golf Tournament is the Foundation's single major fundraiser of the year. All of the net proceeds will be used to support the Foundation's priorities, which include: � � � Providing grants for technology assistance to schools and parishes Funding for chastity and abstinence education programs Disaster relief for members in need Dave Baer displayed good form on his tee shot. Left: Ted and Richard Kueppers and Board Member Deb, and Myron Pauly took a minute to enjoy the sunshine. Bottom: Field Representative Dean Warta savored his lunch before the tournament bagan. Since the Foundation was founded, we have awarded $347,595 to support the most vital needs of our Catholic community. If you are interested in making a charitable contribution to the Foundation in support of our priority funds, please contact the Foundation office at: toll free 1-877-275-7145 or locally at 651-765-6548. ...Thanks to our sponsors! The following companies and individuals contributed through donations and donated items to the success of the Foundation's tournament. Major donors in green bold. 21st Century Bank Stearns Bank Preferred One Administrative Services Leonard, Street & Dienard Wells Fargo Institutional Trust Services M & I Institutional Trust The Catholic Aid Association Heidorn Consulting CBIZ Benefits and Insurance New Ulm Travel Fun Tours Meca Sportswear Catholic Aid North and Central Regions R.J.F. Inc. Forum Communications Printing The Michael and Ann McGovern Family Kueppers, Hackel & Kueppers St. Paul Seminary Secur ITnet Zignego Agency, Inc. Flip Spanier Optimum Re-Insurance Group CAA Director Deb Pauly Al Carlson Tom Schisler Kathleen Moriarty Watrud Leistico Associates CAA Director George Gmach St. Mary's Council -- Augusta, Minn. Performance Office Papers Advantus Capital Management Denny Olson Immaculate Conception Council -- Pine City, Minn. Deb Gephart The CAA Credit Union Securian Retirement Services Mike Kirchoff and Denise Degerstrom Jan Palmer St. Paul & St. Mary Council -- Comfrey, Minn. St. Lawrence & St. Anne Council -- Faribault, Minn. St. Joseph & St. Elizabeth Council -- Winona, Minn. St. Mathias Council -- Hampton, Minn. Susan Stenzel Dave Ehlert www.catholicaid.org 6 May/June 2009 Remembering those who came before us is not only a duty at Catholic Aid, it is our privilege and pleasure. Thank you to so many of you on your 50-year anniversary as Catholic Aid members. Julia Beckmann Kathleen M Beeson Marilyn M Abeln Catherine H Begandy Rosemary Abraham Bernard M Beissel David P Adelman Patricia Beissel John A Adelman Wayne J Benike Craig N Adelmann Carol L Bennett James C Albers Roselle J Bennett Marlene D Altendahl Ronald D Beranek Richard R Altendorf Thomas L Beranek Cletus Altermatt Mary E Berberich Steven J Altermatt Laverne M Berg Terry G Altermatt Rodney G Berg Kurtis G Andersen Audrey J Bergen Elizabeth A Anderson Lyla M Berling Mary J Anderson Barbara B Bernardy Patricia D Anderson William H Bernardy Leo H Antony Donald W Bernauer Mildred A Arens Donald W Bernauer Arthur C Arnold Donald W Bernauer Jerome G Arnold Duane J Berns Patricia L Arnold Judith A Berscheid Glenaris M Arvold Diane A Bertrem Carol Athman Frank P Bickman Jean M Athmann Mary J Biersach Merlin J Athmann June V Bierschbach Denise M Atkins Albert W Bies Ronald J Atkins Deborah A Bisek Vivian E Auel Raymond F Blaha Ricky J Augustin Terence J Blaha Keith A Axtman Gary E Blanchette Beryl D Blank Timothy Blaskowski Laurene H Babler David H Blattner Margaret A Bahnemann Mary A Blechinger Janel M Baker Edward J Blenker Louise A Bakula Bruce A Bleyhl Marlene Banks Mary A Bloch Carol A Barnard Randy E Bloch Neil L Barten Kathryn Bloedow Robert J Barten Barbara J Blomeke Donna M Barthel Brad B Blomeke Elizabeth M Barthel Bruce L Blomeke Jacquelin Barthel-Heinze Margaret E Blonigen Diane M Bartz Dianne C Boeckers Kathleen A Bastian Roger W Boeckers Peter C Bastian Myron J Boegeman Cecilia A Bauer Daniel J Boehmer Jill M Bauer Lois I Boll Paula A Bauer Marian Bonfig Edward J Bauman Jane E Bonow Mark H Bauman Denice M Borgen Carol F Baune Glen A Borgerding Daniel M Baune Sharon A Borgert Debra K Baune Angeline G Bork Patrick L Baune Julie D Bork Mary M Bayer Ramona M Bork Barbara V Becker Donna M Borth Mary J Becker David L Boser William R Becker Randy L Boser Ira L Beckman Carl P Botz Robert A Beckman Karen A Boutilier John Beckmann email@example.com Thomas W Bovy Joel E Braegelmann Melania F Braegelmann Roger G Braegelmann Nancy M Brand Denise M Brandel Sharon K Brandel Elaine Brasseaux Jean M Braulick Jean A Braun Dennis D Breeggemann Jane M Breeggemann Michael S Breitbach Mary T Breiter Barbara E Bren Terrance J Bresnahan Carol J Breunig Karen B Brink Charles A Brinker Cynthia V Brinker Barbara H Brinkman Helen T Brixius Donna J Broermann Mary C Brost Corinne M Brown Dennis R Brown Karen M Browne Colette D Bruening Theresa F Brunner Lucinda A Brust Richard F Buchan Mercedes A Buchanan Shirley M Buck Carol J Budzinski Clara A Bueltel Barbara A Buesgens Debra A Buley Patricia K Burdick Brian E Burke Teresa A Burmis Anna M Burvee Debra M Busch Darleen I Bushman Betty Campbell Nance G Carlson Arlene G Caron Robert D Carter Karen J Cernohous Barbara A Chapman Gregory P Chekal Anthony C Cherne Margaret R Chopp Dolores M Chouinard Eugene D Chouinard Gary P Cissell Kenneth A Citrowske John R Clancy Debra L Clark Joan M Clobes Irene M Cloutier Cheryl A Coderre Frances K Collignon James R Condon Stephen A Condon Janice E Conley Catherine R Conroy James A Conroy Linda L Cook Jane M Coulson Charles W Cremers Eileen A Cremers Randolph J Cremers Robert D Cremers Doris Cusick Alicia M Daas Julia M Dady Mary L Dahlheimer Jill K Daleiden Cindy A Dalen Paula C Daluge Joanne V Daniel Sandra A Dass Rodney L Dauer Rose M Decker Julie A Denk Elaine P Devries Rosemary F Dey Leon P Dick Randall J Dick Nancy A Dickey Judy A Diehl John T Dietz Carlus Dingfelder Allan J Dingman Dale M Dingman Wayne C Dingman Audrey Dingmann Fintan J Dingmann Fintan Jos Dingmann Sheila M Dingmann Susan M Dingmann John R Dirkes Gerald R Dobmeier Donna L Doboszenski Edwin K Doboszenski Jane H Dolan Carol J Doll Fusako M Domeier Patricia A Domine Lisa R Dondlinger Gale J Donnay Joseph M Dorn Norbert Dorsch Joan A Dragos Barbara L Droege Dorothy J Duevel Katherine A Dugan Elizabeth Dullum Gary M Dummer Karen M Dummer John W Durben Donald W Dykhoff Henry G Dykhoff Cheryl A Earles Eugene G Ebnet Kimberly A Ebnet George M Eckenroth Tamara A Ehlke Richard H Ehresmann Edwin H Eibensteiner Michael D Eischen Norma J Ellering Linda K Ellison Ann M Emon Jeffrey E Endres James E Engelking Patricia A Engelking Laura Engle Louise M Erdahl Douglas J Erickson Robert C Erlandson Sharon A Ertl Theresa M Ertl Kevin R Eull Deborah D Evens Sharon K Fahrendorf Rosemarie M Farabee Theresa J Farrell Audrey M Fasy Barbara A Fehn Daniel J Feneis Judith M Feneis Kevin T Fenton Charles J Fergen Mark J Fick Geri L Fidler Veronica D Fiecke Jody A Fiedler Frances L Fignar Viola E Fink Laurie M Fisch Gertrude B Fischbach Dwayne S Fischer Sheila K Fischer Susan M Fischer Dale A Fisher Darlene C Fix Paul R Flaherty Kevin A Fleischhacker Mary C Flynn Janice M Foley Mary E Foster Raymond A Fox Russell J Frandrup Robert F Frericks Roger C Frericks Norman F Freske Robert L Frevel Terrence J Friedges Patricia I Frieler Michael M Friendshuh Rhonda K Froehling Eleanor T Froelich Joel S Fromm Alvin L Fuchs Lorraine R Fuchs Susan K Fuchs Mary E Fuechtmann Gerald C Fuhrmann Margaret A Fuhrmann Michael R Fuhrmann Ralph M Fuhrmann Alan J Full David F Full Michael W Full Thomas J Full Donald E Gaebel Geraldine A Gall Sandra K Gallagher David J Gallatin Roger E Gallatin Catherine A Galvin David C Gammelgaard Mary B Gannon Ronald J Ganrude Frederick E Gareis Sandra L Gareis Judy J Gebhardt Kenneth J Geis David W Geiser Ronald J Genoch David R Gerding Daniel R Gerold Marie M Geschwind Everard A Geyen Michael E Giese Ronald L Giesen Christopher A Gillen Edward J Gillen Thomas A Gindele Susan L Girgen Paul C Gleisner Vickey K Gleisner Kristine M Goblirsch Melinda A Goblirsch Richard P Goblirsch Edgar M Goebel Gregg L Goeden Gary F Goettl Jeanne M Goetzke Gerald B Gohmann Margaret M Goodier Carol M Goodwin Michele A Goschy Richard A Gothmann Ronald L Gothmann Janet R Gray Larry F Greden Bryan R Green Joyce A Gretsch Nancy L Griebel Evonne M Grismer Ricky L Grommersch John J Gross Steven J Gross Thomas M Gross Kathleen J Grove Albert E Gruber Carol A Gruber Gary H Gruber Gerald L Gruber Randolph U Gruber Kevin F Gruenes Arthur A Guetter Earl J Guggenberger Peter M Guggisberg William L Guggisberg Steven J Guldan Kim M Gunther Marlys Haala James J Haas Michael G Haas Edwin C Hacker Josephine K Hacker Timothy C Hacker Karen A Haefs Victoria M Haekenkamp Janet L Hafner Patricia A Hagemeyer Richard F Hagenson Deborah A Haggar James S Hahn Donna M Haider Keith E Haider Gwen M Hajlo Thomas G Halder Brenda A Hall Jean M Hallberg Annette L Haller Allan Hammerschmidt Dennis L Hammerschmidt Eldon Hammerschmidt Clifford V Hammerschmidt Virginia M Hammerschmidt Daniel D Hansen Dorothy G Hansen Karen M Hansen Michael G Harlander Carol A Harmon Robert C Harren Rita J Hartert Leo M Hartman Bonnie J Harvey Mildred M Hauer Rita T Haugen Daniel J Hauser Rosemary P Hechtel Julie A Hecksel Donna M Heiling May/June 2009 7 Mary C Heinen Kevin A Heinz Carol A Heinze David J Heinze Dennis J Heinze Wayne S Heinze Jeffery V Helget Ruth M Helget John A Heller Deborah L Hemmesch Randall A Hennen Roger A Hennen Russell K Hennen Carol E Henz Karl A Herber John H Herbert Richard C Herges Henry J Herickhoff William P Hericks Robert A Herkenhoff James P Hermes Tammi J Heronimus Steven P Hertling Susan Hettwer Robert E Heying Susan M Higgins Ellen M Hilla Patrick L Hillesheim Nancy A Hochstetter Arnold F Hoeschen Glen M Hoffman Jeffrey J Hoffman Paul A Hoffman Elaine M Hoffmann Beverly Hofmann Carol J Hogan-O'keefe John H Hogen Delphine M Hoheisel Martina J Hohn Scott F Hohn Christine M Holmes James G Holmes Patrick G Holmes Steven J Holthaus Ann E Homand Karen M Honermann Mary J Horihan Brenda L Horney David J Huberty Lori A Humbert Donald J Hundt Edward Hunecker Stanley R Hunnel Daniel P Hunz Karen E Hunziker Gene R Huset Victoria L Imdieke Mary B Imholte Joel R Irlbeck Rosina M Irwin Cinthia M Isaacson Robert J Ives James R Jacobs Nancy L Jacobson Glenn O Janni Dona M Janson Roger R Janson Peter D Janssen Rose M Jarding Grace A Jelle Peter D Jennissen Cheryl L Jensen Kathryn M Jereczek Douglas G Jerzak Roy W Joel Thomas A Johanneck Katherine A Johannes Marilyn A Johannes Mary E Johnsen Barbara J Johnson Florence M Johnson Jeannette A Johnson Marjorie A Johnson Mary E Johnson Teresa I Johnson Alvin A Jorissen Mary B Jost Anne D Judd Richard J Juelich William H Kack Ronald J Kahl Janet M Kahle Kurt A Kaiser Ann L Kalgren Denis J Kalkhoff Debra L Kallem Karen K Kampsen Kathleen M Kampsen John B Kann Elinor M Karish Edward B Karls Romelda C Kascht Gary A Kasper Paul J Kasper Richard S Kastner Florian P Kaufenberg John A Kaufenberg Laura Kaup Julie A Kautz Janice J Keech Avis J Keen Benedict J Keen Cathy A Kegley Jeffrey L Keller Rose M Keller Jean M Kelzer Patricia M Kerber Rita A Kerber Brian A Kerfeld Bruce A Kerfeld Douglas D Kerr Helen A Kerr Elaine Kes Marie L Kidd Doris M Kiecker Guy R Kight Adelaide M Kirchberg Robert J Kirscht Barbara J Kjellberg Allen B Klaphake Arnold L Klar Margaret O Klasen Carol J Klein Darlene C Klein Esther Klein Lillian M Klein Loren P Klein Thomas N Kleinschmidt Kathleen M Kletscher Peggy A Klingler Donald R Kloss Rita M Kloss Sharon M Knepprath Allison K Knight Kathryn M Knight Lavonne M Knopik Jeffrey D Knott Wayne R Koch Randolph L Kockelman Wayne K Koesling John G Kolles Jane M Konz Charles N Koopmeiners Rory M Kopischke John E Korf Anita M Kortan Darrell S Kortan Alan F Kortz Mary K Kosanda Lester J Koshiol Marvin L Koshiol Roxanne K Koster John M Koziol Aurelia T Kral Suellen J Kramer Deborah L Kranz Cynthia R Krebs Daniel E Krebs David A Krebs Mary S Kretsch Melvin C Kretsch Patricia A Kretsch Luann H Krier Brenda L Kryzer John G Krzmarzick Philip O Kuechle Mark J Kuefler Daniel G Kuffel David M Kuffel Franklin D Kulas Michael A Kulzer Paul A Kummer Joseph G Kunkel Nancy B Kunz Jeffery P Kurkowski Judith A Kustelski Robert A Kutz Raymond J Lacanne Nancy L Lachermeier Kathleen M Laclair Gary W Lahr Craig C Lamatsch Bruce C Lanars Joann M Landkamer Melvin E Landwehr Donald D Lang Paul G Lange Daniel D Langer Douglas Langer Lisa M Langer Paula A Lantsberger Willa J Lantsberger Timothy J Larsen Annella C Larson Gloria T Larson Lucille M Larson Mary E Larson Shirley A Larson Grace E Lassas Mary A Lauer Carol A Laumann Dolores H Lawrence Jean M Lawrence Sheila K Lazer Elizabeth Ledermann Elizabeth P Legatt Diane L Lehn Kathleen S Lehn Margaret A Lehn Michael J Lehn Geneva A Lehnen Alphonse C Lehner Robert J Lehner Lori J Lehnertz Randall R Lehnertz Jane R Lenneman Donald A Lensing Anna M Leonard Doris A Leuer Jean M Lewandowski Karen A Lewis Raymond M Leyendecker Steven R Leyendecker Gary L Lieser Shirley A Lieser Shirley A Lieser Timothy J Lieser Joel P Lindenfelser Mary A Lindner Lois J Lindquist Theresia M Linn Gerald A Linsmeier Richard J Linsmeier Kathleen L Lintgen Gail A Linz Raymond D Literski Barbara R Little Timothy Loesch Sally M London Eileen M Lorentz Kevin P Lorentz Marlene A Lorsung Ricky T Losleben Mary A Lozinski Kevin R Ludewig David B Ludwig Marlagean A Lund Kathleen C Lundgren Catherine M Macho Elizabeth M Mack William J Mack Patricia A Mackedanz Sandra K Mahal Timothy R Maher Janice C Mallberg James M Mamer 8 May/June 2009 Judith A Mandrgoc Charles R Manthey Stephen G Mareck Timothy L Marthaler Phyllis V Martin Lori Mateer Judith A Mattson Denis Maus Mary A Maus Mark A May Julie A Mayers Roy J Mccabe Mark J Mccormick Susan Mccoy Margaret C Mcdonald Mary S Mcguire Susan M Mcmahon Kevin M Mcnamara Patricia A Mcnamara Denise C Mcrae Gary J Meger Warren J Meier Mary L Meisinger Milton D Melrose Loran C Melville Catherine A Menke Gary A Messer Brenda J Meulebroeck Diane T Mevissen Alice M Meyer Barbara M Meyer Bernard H Meyer Beverly A Meyer Dale C Meyer Daniel H Meyer Daniel J Meyer Joseph G Meyer Neil M Meyer Rose M Meyer Kenneth J Meyers James R Michel Joann M Michel Robert D Michel Robert A Michels Scott A Mickelson Armella M Middendorf Maureen A Miesen Brian T Miller Glen G Miller Janet D Millerbernd Julie M Millr Cheryl R Minar Sandra K Minton Patrick J Mock Barbara K Moench Joan G Moening David A Mohs Gary A Mohs Marjorie M Mohs Frederick P Moldan Marlyn S Moldan Joyce M Moldenhauer Donald M Molitor Joseph C Molitor Randall J Molitor Richard J Molitor William J Molitor Sandra A Molkenbur Mary A Monroe Cynthia M Morin Maureen E Morton Ruth A Moscho Marian D Moy Diane L Moyle Douglas V Mueller Leeann R Mueller Marvin E Mueller Rachel L Mueller Sandra M Mueller Timothy A Mueller Donald E Munsen Judy M Murphy Catherine L Murray Geraldine H Murray Judith A Nadeau Brian J Neid Carol A Nelson Cynthia K Nelson Jeanne L Nelson Lynn M Nelson Marion A Nelson Nancy E Nelson Sandra J Nelson Jeannine M Ness Andrew M Neu Daniel G Neu James R Neumiller Bernard J Newinski Rose M Nichols Edward C Niebur Timothy J Niehoff Judith A Niesen Steven H Nietfeld Mary E Nilles Rosella M Nistler Thomas J Nolde Mark A Nordlund Steven J Nordlund Thomas M Nordlund Jane M Nosbush Ricky F Notsch Yvonne C Notsch Patricia A Novak Judy Oakey Suzanne M Obrien Eugene C Odenbrett Deborah R Odonnell Susan M Ogroske Linda Ohman James F Olberding Jeffrey R Oldakowski Cynthia M Olk Betty M Olmscheid Peter A Olmscheid Randall Olmscheid Ann T Olson Dennis J Olson Gloria R Olson Marvine M Olson Dorothy E Orth David W Ostendorf Sharon M Ostendorf Michelle M Oswald Andrew T Otte Donald E Otte George S Otto Ellen B Overman Terry L Parker Marlene A Parkis Donald P Patnode Kristi D Pearce Diller J Pearson Patrick J Peick Daniel J Peine Ricky J Peine Mary K Pepelnjak Lois M Peschel Jean H Pesek Theresa A Peters Mary L Petersen Timothy D Petersen Deborah E Peterson Rodney Pettit James R Pfeninger Thomas R Pfeninger Michael R Phenicie Vera M Philipps Michael A Piatz Robert N Pieper Diane B Pierce Rhonda M Pierskalla Margaret R Piesik Marla S Pilgrim Mary A Pilling Donald M Pischke John R Plasek Allen E Poepping Leroy J Poepping Marvin H Poepping John A Polta Debra A Pool Richard R Popp Donna M Portner Linda M Portner Donna M Poster Rose M Prenger John G Price Francis A Primus Roman J Proell Elizabeth L Przasnyski Marvin J Przybilla Angela B Pulido Maureen T Quast Ervin J Rademacher Gary N Rademacher Sandra K Rademacher Jane E Rader Joann Rader John H Rader Maribeth Radermacher Randall J Radziej Jeanette R Rainwater Elaine E Ramler Julie A Ramsdell Mary L Randall Sharon M Randazzo Sharon B Raskob Darcy M Rasmussen Robert A Rau Lawrence E Rausch www.catholicaid.org Michael P Sauer Marie E Sawrey Allen A Schaefer John A Schaefer Mark A Schaefer Timothy A Schaefer Allen E Schaffer Edward J Schaust Richard A Schaust Thomas W Scheel Patrice M Scheibel Rodney F Scheidt Ann M Scherber Arlene J Scherber Clifton J Schieck Doris C Schiele Leanna M Schilling Thomas J Schilling Mary J Schilling-Martin Janet S Schiminski Alice M Schindler Mary B Schindler Owen L Schipnewski Brian K Schirmers Ronald A Schirmers Steven C Schirmers James E Schlagel Dale J Schlangen John P Schlangen Ruth A Schlangen Karen F Schleicher David R Schleper Michael G Schleper Judy G Schloeder Jean L Schlosser Elizabeth J Schlunz Charlene M Schmidt Charles P Schmidt Donald A Schmidt Donald J Schmidt Kenneth N Schmidt Louis R Schmidt Stephen F Schmidt William Schmidt Joyce A Schmidtbauer Barbara M Schmieg Jerome F Schmieg Michael R Schmiesing Gordon A Schmitt Cynthia M Schmitz David M Schmitz Donald J Schmitz Donna M Schmitz John A Schmitz Lyle J Schmitz Monica M Schmitz Roman Schmitz Roman Schmitz Ruth A Schmitz Gloria A Schneider Grace A Schneider Bernard M Safe Joanne K Schneider Alice F Salli Joseph D Schneider Arthur A Salzer Margaret R Schneider Marlene K Salzer Mary A Schneider Vicky L Salzl Michael B Schoenecker Bruce W Sames Richard Schoenecker Jeffrey T Sand Joann M Schornack John A Sand Betty L Schouviller firstname.lastname@example.org Ralph F Schramel Charles A Sandhoff John M Redig Sharon M Rediske Michael J Regnier Kenneth J Reichert Jean M Reiland Kathryn Reilly Barbara J Reimers Douglas R Reinert Ruth R Reinhardt Mary E Reinhart Susan R Reischl Elizabeth A Reiser Nancy L Reiss Catherine J Reiter Deborah A Reiter Gregory J Reiter Leo J Reiter Raymond J Reiter Teresa J Reiter Rita M Reker Joseph E Remiger Mary C Revak Irene K Richie Audrey J Riebel Michael C Riebel Patrick M Riederer Patrick M Riederer Helene M Rieger Andrina Ringquist Rosemary C Rinkel Dale A Ritter Joseph R Robidou Janet L Robinson Kathleen M Robinson Janet M Robley Alfrieda C Roelike Diane L Roelike Donald W Roelike Elizabeth M Roelike Larry J Roelike Mark A Roemer Leonard L Roering Janet L Roesch Janel M Roettger Janet M Rogers Thomas F Rogers Rita M Rojina Roger B Rolfing Jay A Rollinger Thomas E Rozeske Therese A Rudek Judith M Rudnitski Laurel J Rudnitski Irene R Ruhland William M Ruhland Lynn M Ruiz Kenneth Ruprecht Ronald J Ryan Sue E Ryan James M Schreifels Daniel M Schroeder Nancy L Schroeder James A Schroepfer Wendolyn S Schrunk Daniel N Schueller Glen J Schueller Thomas C Schueller Patrick G Schugel Bibiana Schuh Mark R Schulte Sharon C Schulzetenberg Joseph B Schulzetenberge Bruce T Schumacher Mark R Schumacher Jane F Schurman Thomas N Schutz Alan F Schwab Thomas L Schwab Christopher J Schwan David G Schwan David N Schwartz Gary C Schwartz Maria Schwegel Cheryl K Schwertel Richard J Schwope Steven R Sehr Gail M Seifermann David J Seifert Jeffery H Seifert Rory L Seifert Lorraine M Selinski Andrew J Sellner Barbara M Sellner Gerald E Sellner Michael A Sellner Neal M Seppelt Kathryn L Sether Betty R Seymour Carroll C Seymour Ralph D Shay Karla J Sherman Mary J Shimon Mary J Shimota Eugene T Siebels John L Sieben Laura L Sieben Frank A Siebenaler Kenneth L Siebenaler Jacqueline I Siemon Dennis T Silvers Duane A Simon Gerard M Simon Kenneth W Simon Mary E Simon Sandra Simon Linda V Smelter Carole Smith Michael L Smith Michelle A Smith Colleen R Smock Audrey M Snell Sharon A Sobania David E Soenneker Helen B Soenneker Henry F Soenneker Joseph D Soenneker Norbert H Soenneker Pauline E Solberg Alan J Solheid Carol A Solheid Rose A Solheid Jayne M Solinger Patricia R Solomon Ruth H Sonnek Linda M Soukup Ronald H Spaeth Kenneth L Spanier Patricia Spanier Ronald C Spanier Irene Speldrick Ronald D Speltz Anthony R Spors Frederick J St.Jean Donald J Stacken Gertrude A Stacken Ronald J Stacken William G Stacken Mark S Stalberger Mary B Stalberger Bruce F Stang Marie R Stang Cheryl A Stannard Susan M Stay Julie A Steberg Lynette M Steele Doris M Steffes Louella Stein Donna M Steinbach Lori A Steinemann Barbara M Stelzner Kenneth J Stenglein Joan I Stich Constance J Stieger John E Stieger Susan P Stoehr Susan A Stoermann Dennis W Stoks David T Stolpman Richard U Stolpman Susan K Stone Patricia M Strauss John J Streiff George P Stueber Arthur J Stumpf Joseph W Stumpf Randall J Sturm Annette C Suchy George A Suchy Rose A Suchy Sue A Suchy Carol A Suilmann Florine M Sullivan Alice Sunderman Karen K Sunderman Regina E Sunderman Mary A Surma Sandra T Sutterfield Diane C Swenson Theresa C Swinburne Jane S Szczech Douglas L Tacheny Richard J Tamm Andrea M Tauer Cheryl A Teicher Duane J Tellers Michael D Tellers Sharon A Tesrow Deborah I Tessmer Carol M Theis Frances Theis Helen V Theis Jesse L Theis Katherine S Theis Reynold C Theis Ronald G Theis Sharon M Theis Theresia M Theis Judith M Theisen Doris Theisen-Salzl Michael H Thelen Allen A Thell Gregory G Thielen Kenneth A Thielen Larry W Thielen Ronald P Thielen Dawn F Thieman Monica P Thieman Timothy P Thieman David R Thies Amy A Thomas Mary J Thomas Julie K Thome Richard J Thome Margaret L Thompson Joyce M Thordson Alvin H Thull Mark A Thurmes Sharon L Timm Gregory P Tlougan William F Tocko Carol J Toenjes Jeffery L Tollefson Paul M Tomsche Rose M Torborg James A Torgerson Diane E Tourand Mary M Trainor Joanne H Treml Steven M Tri Donovan G Trisko Rita A Trisko Janice K Trustheim Audrey A Turbes George M Turbes Randy J Turbes Douglas R Turk Richard A Ubel Stephen J Ubl Leona V Ulrich Mary A Ulwelling Kenneth G Unger Kevin L Unger Gregory D Uphoff Doris Vandereyk Anthony A Vanderlinde Henry A Vanderlinde James A Vanderlinde Wanda J Vanderlinde Robert C Vanlith Cynthia A Vanwinkle Pamela J Varilek Jerome B Vetsch John R Vetsch Linda M Visser Carol J Vlaminck Elmer Vonwahlde Elmer Vonwahlde John A Vornbrock John V Vornbrock Marcy H Voss Avon M Vossen Philip A Vossen Diane M Wabbe Philip A Wagner Steven D Wagner Timothy R Wagner Timothy A Waibel Kevin G Wallgren Helen A Wallner Robert J Walter Lawrence L Waltzing Steven A Walz Susan M Walz Deborah A Walzel Catherine A Wander John E Wander Mary L Ward Judith K Warner Jay G Weber Marlon J Weber Paul F Weber Janice J Weeman Susan J Weestrand Leo E Wegman Frances C Wehr Michael P Wehr James J Weiers Paul F Weinzierl Debora L Weippert Susan M Welch Cynthia E Welle Maureen A Welle Robert A Welle Debra F Weller Patrick Welsch Lloyd P Welter Laurene Welz Mary B Wendel Deloris M Wendt Cheryl A Weness Denis J Wenninger Sharon K Wenzel Larry J Wermerskirchen Kaye A Werner Michael J Wesselmann Rose A Wheeler Mark F White Jeffrey J Whittaker John D Whittaker Michael L Whittaker Jeffrey P Wick Adrian Wickenhauser James M Wickenhauser Richard E Wickenhauser Ronald A Wickenhauser Bernard T Wiebolt Leo B Wiechmann Bernadette A Wielenberg Loretta Wieneke Nancy M Wieneke Sally A Wikening Annette O Willenbring Marion Willenbring Leonard W Willett Thomas P Williams Gerald Winkelman Gerald Winkels Beverly A Winter Charles O Winter Gary B Winter Glenn W Winter Marie A Winter John M Winterhalter Celeste M Witucki Michael J Woelfel Michael P Wolff Daniel J Wollum Janice Wolterman-Koop Pamela A Wood Donna M Worms Cassandra M Yackel Bernice F Yetzer Charles P Yetzer Diana C Yetzer Henry J Yetzer Mary P Young Barbara A Zachman Henry J Zachman Mary T Zachman Theodore J Zachman Theresa J Zachman Joseph L Zahler Mary L Zempel Timothy L Zenk Timothy J Zenner David Zerr Michael Zerr Mary J Ziebell Victoria A Ziemke Kenneth E Zierden Raedra A Zimmer Mark J Zirbes Bernadette A Zollner Rita J Zollner Evelyn S Zukowski Audrey A Zurn Richard Zurn Carol M Zweber Charles J Zweber Constance M Zweber Duane L Zweber Terrence J Zweber Ann T Zwicky Steven F Zwinger May/June 2009 9 n a classroom at Maple Lake Elementary School, surrounded by white boards and colorful learning guides, filled with miniature furniture and miniature people, it sounds as if recess has moved indoors. The high-pitched din of excited first graders fills Ms. Hagen's classroom as a 64-year-old man tries to yell over the multiplicity of little voices. "You want to know why you're not paying attention?" Patrick Lahr tries to explain to the children. (The cacophony continues.) "It's because you're not getting the nutrients that you need to stay focused." The teacher calls out a student by name and the room quiets down. Pat continues, "You know how they always say you have to eat your veggies before you get dessert? I does grow? by Jared Roddy May/June 2009 How your garden Two Catholic Aid members in Maple Lake, Minn., are trying to grow gardens and gardeners. Well, that makes it seem like vegetables are just something you have to get through, right? What we're showing you is that, when they're fresh like this, veggies can be better than dessert." The kids don't seem to buy Lahr's claim, but hands are shooting skyward to try these particular green leafies. Grown in the first-grade gardens and picked moments before with the help of Pat and Connie Lahr, these veggies have captured the interest of the usually green-averse children. So, it's at least a start. Here in Maple Lake, Minn., the first-grade gardens have become something of a tradition. Connie Lahr, 70, and her husband, Pat, are giving the year's final gardening lesson, tasting some of the veggies that have grown in the gardens and giving out awards for www.catholicaid.org 10 Opposite page: Patrick and Connie Lahr look in on a square foot garden at their home in Maple Lake, Minn. From above left to bottom right: 1)Pat and Connie at the senior center next door to their home where they have helped some residents with their gardening projects. 2) Connie explains the growing process to some of Ms. Hagen's first graders. 3) Connie and Pat prepare sandwiches and fresh veggies for the class after their outdoor tutorial. 4) A carrot fresh picked from the garden. 5) Ann Hagen unearths the fresh carrot in front of her students. 6) "We've got french fries growing here," Connie says, "so what is it?" The students reply in semiunison "Potatoes!" 7) Ms. Hagen tries the first radish of the season - spicy! 8) The Lahrs tend lettuce at an indoor growing table in the school. the most helpful and exuberant future gardeners. "The kids love it," the teacher Ann Hagen, 25, says. "They're always excited and interested. As you can see, they get over-excited." The Lahrs, known as Mrs. Ladybug and Mr. Earthworm to the children, have influenced a generation of Maple Lake students. Crossing the street from their home once a week during the growing season, they show the first graders how to plant, care for and raise garden vegetables. They teach a simple system of gardening called square-foot F our F eet gardening and the goal is a The square foot gardening sysmodest one. tem, invented by author Mel BarHelp children tholomew, endorses gardening reestablish a above ground in 4' x 4' boxes, each divided into 16, 1 square-foot secconnection to tions. Instead of planting long rows, their elders, to each section gets planted indithe earth and vidually. This way, you can get many to the cycle of varieties of delicious vegetables life. But that's maturing at different times instead just here at the of too much of one thing all at once. elementary More on the method can be found at school. What www.squarefootgardening.com. they really want is to improve the world's nutrition, thereby improving the world. The way they see it, there really isn't much humans do that can't be improved with better eating from organically grown vegetables. Have plans, will trowel T o see this notion cast in strong relief, picture the Lahrs in Haiti, 1985. They're not visiting, they live there. Pat fixes television sets for the wealthy and the mission groups in Port-au-Prince. The rest of their time they teach anyone who will listen the benefits of square foot gardening. "It got to the point where anyone who came into the apartment to get their TV fixed walked out with a garden," Connie says. "We basically forced it on everyone." What they so enthusiastically offered to the Haitians was the chance to take their health into their own hands. Vegetables are very hard to come by for poor city dwellers. And even in the country the soil is poor and rocky. By teaching the fundamentals of composting and square foot planting, they soon had dozens of families making their own produce and adding calories, vitamins and minerals to their diets. The Lahrs did not go to Haiti with a mission group. They were really just on their own. That's because they had their own ideas for how to help. "When a mission or a team goes to Haiti, they're always looking to see what they can do," Connie says. "But to put a garden project in place is a lot harder. You have to make May/June 2009 F our F eet email@example.com 11 the local people do seeing a problem and a lot of the work. devising a solution. They have to help In Haiti, and in themselves. And you many U.S. cities, the have to follow up. It's problem they see is a long-term project." nutrient-poor soil and In fact, the project, a reliance on chemicals which they call to enrich it. By focusing the Haiti Gardens on organic gardening, Project, began with they bypass the issue four years in Haiti, of bad soil and ensure and continues to that the materials they this day, 24 years use are available to all. since their arrival in "When you're poor Haiti. While there, in Haiti," Connie they focused on explains, "you can't go teaching others not to Menards and buy just how to make fertilizer or topsoil. So Agronum (which is the Creole word for "agronomist") Dula Estinvil with three of his students the gardens work, in Haiti. Dula is one of the contacts the Lahrs maintain in Haiti. He teaches the tenets of we teach people how square foot gardening in childrens' classes, missions and adult education classes. To the but also how to to make their own." pass the knowledge right of their standard square foot garden is a tire garden, Dula's invention. When materials The method has are hard to find, the Lahrs teach, scavenge. Tire gardens are portable and productive. on. They now not only proved communicate and send funds and seeds to the island workable in Haiti, but in Maple Lake too. Hundreds nation through three leaders who oversee dozens of people are adopting square foot gardening through more home gardeners. For a nation with a Per Capita the gardening group the Lahrs lead. Other local Gross Domestic Product of just $1,300, being able missions in Mexico and Africa have asked for the Lahr's to eat the equivalent of $100 in produce from your help in starting square foot gardens of their own. own garden makes a big difference in your diet. There's no grand strategy. Just talk to people, In the ensuing years, they've kept up their show them how it's done, show them the results and programs in Haiti by coordinating with their send them packing with the tools and knowledge local leaders and starting a charity fund called to help themselves. It's a long road to a sea change, Gardening Worldwide, which is managed by but they show no signs of tiring or slowing down. the Catholic Aid Association Foundation. Spade it forward Seed by example ack in the classroom, hands shoot up to t's clear the Lahrs are project people. They are try a mustard leaf. Ms. Hagen tours the the admirable sort of couple who conceive of wild room desk to desk and hands out quarterideas and audaciously work to sized pieces of the scratchy leaf. make them come true. Moments later, several are jumping up and down, Beside their garage sits a fanning their tongues, "AAAAAAAACH! Hot hot hot!" plug-in electric car Pat and "That's got a little bit of a kick to it," Pat says, smiling. his brother built out of The specifics of each lesson are quickly forgotten, an early 1990s Saturn. the Lahrs say, but the point is not to teach specifics He talks about a Haitibut to create the interest and show what you can do bound home windmill when you play in the dirt. For the rich and poor alike, kit he's developed a garden offers health, hobby, family and community. with others that will "They're spreading the seed," Hagen fit in a suitcase and says. "Spreading their knowledge and provide electricity. encouraging the kids to do the same." Rain collectors, electric It's part of the long-term goal to spread gardening shutters and to all. The Lahrs focus on gardening because it's elevated what they're good at, something they enjoy and a gardens step toward better health and environment the world You can support the Lahrs Gardening around over. Starting small with the first-grade classes in Connie Lahr Worldwide Fund and the Haiawards an apron the Maple Lake, the lesson the Lahrs are teaching isn't ti Gardens project by donating to a student who home one you take a test on, but one you take an interest seeds and sturdy hand trowels. took special interare all in, and benefit from for the rest of your life. Contact Pat and Connie at pclahr@ est in the firstyahoo.com. You can also make a cases of grade garden. I B 12 donation to the fund by contacting the CAA Foundation at May/June 2009 1-877-275-7145. www.catholicaid.org Catholic Aid Association Credit Union You heard it here first: "Primary Financial Relationship" Nick Jaeger CAACU President What a great time of year. The birds are singing, kids are getting out of school, and we can actually leave the house without fear of frostbite. Not only is the weather getting good, so are the ideas coming out of the Catholic Aid Association Credit Union. Let me tell you about a couple of them. The first is a new concept that I'm sure all the major banks will steal from me in the next 12 months. Among banking institutions, you might hear the expression "PFI," or "Primary Financial Institution." This is what every bank or credit union wants to be for you. It's all based on wallet share, or how much of your debt and deposits are owned by a certain bank. If the majority goes to say, Wells Fargo, then they are your PFI. And they're probably happy to leave it at that. all. For information, education, services and products, we want to be part of your solution. And honestly, we've got some phenomenal new products that could have you second guessing your current PFI if we're not it. It's a better than market rate CD for anyone under 18. You put money in, you leave it, you get more back than you started with. What a concept! Want to educate your teen on why credit cards can be dangerous? We've got a partnership with the fraternal department to put on educational seminars for teens called "Survival Guide: Your Cash, Your Credit." You know, we even still check all of our bounced checks the old-fashioned way, by hand. New products The difference maker The Catholic Aid Association Credit Union is pioneering something that I call PFR, or "Primary Financial Relationship." The key to this being that we don't just want your business, we want your trust. We want to be your first call for help if you have questions regarding banking at Most exciting is our new home mortgage loan. We can now offer you first mortgages for purchasing, refinancing, investment properties, manufactured homes, even second homes or lake homes. It's a conventional fixed-rate mortgage up to 30 years, and � here's the show-stopper � for the life of the loan, you can send your payment directly to us. If you ever have questions or need help, you'll call us, too. We're also one of the few places you can still find a paper application if you prefer. This all comes back to building relationships. We're really trying to build a relationship with your whole family here. Not only can we help parents and grandparents, but children too. Are you trying to introduce the concept of delayed gratification to children? Try our Savings Saints Certificate. What do you want to see? All this talk of relationships has got me thinking that I've been telling you all these things I want. Why don't you tell me what you want? We're about to introduce something called "Relationship Pricing," where new products or services will be discounted if you have other products or services with us. I've got some ideas, but what would you like to see? What can we do to convince you that we can be your Primary Financial Relationship? Go ahead and call me, or write to me at the email address below. I can't wait to hear from you. 1 . 87 7. 87 1 . 8313 firstname.lastname@example.org w w w.caacu .org njaeg e r@c aacu .or g May/June 2009 13 L ove is patient, L ove is kind, L ove needs P rotection by Susan F. Detlefsen It's the most popular time of the year for approaching the altar, exchanging vows and rings, and declaring love before God and the Church. According to the Bridal Association of America, more than 2.3 million couples will get married in 2009, with June being the most popular month of the year for tying the knot. When a person leaves the single life behind to enter the Sacrament of Marriage with their spouse, this is one of the pivotal life moments when they need to re-evaluate their life insurance. Congratulations are due to Field Representative Mary Fitzpatrick of St. Paul, Minn. She is one of those 2 million people entering Holy Matrimony this year in June. Mary says that one month into her engagement to Brian, she reviewed how her life insurance needs would change after her marriage, and made the necessary additions to her insurance plan. "It's not just about me anymore," said Mary. "Brian is someone whom I love and I want the very best for him." As couples wed, they bring together not only their daily lives, but also their personal assets and joint financial obligations. Debt, current income and family needs are all pressing issues when it comes to determining just how much life insurance a couple should have. Mary says she took those issues into consideration as her wedding date approached. Of course, Mary's knowledge of the advantages of life insurance is informed by her career. Unfortunately, most newlyweds and engaged couples don't know much about the importance of life insurance to their financial security. A recent study* showed that 64 percent of newlyweds don't address their life insurance needs after getting married; in some cases the couple doesn't consider their life insurance for years after they tie the knot. "It's funny. We're required to have car insurance and home owners insurance, but life insurance is optional," Mary says. "There's one thing we're sure of in this life and that's that it will end with death. Why aren't we more serious about preparing for what is known and caring for that?" A change in financial perspective The biggest change to the financial lives of a couple is the addition of an income to the household. The combined income of today's average couple is between $100,000 and $107,000. Susan Stenzel, Field Representative of Rochester, Minn., says that if married couples make buying decisions based on two incomes, then they need to plan ahead. "The major purpose of life insurance is to replace income and cover debt," Susan says. "If a couple is planning on purchasing a home and they are planning on using both of their incomes, it's important that they can replace part of that income with life insurance." Susan is a Chartered Financial Consultant (ChFC�) who advises young couples to work out their financial decisions and create a plan before they are married. 14 May/June 2009 www.catholicaid.org Recession Buster: Consider supporting CAA member-owned businesses! Members Business Spotlight Luvupumkin.com Cathy Frazier, CEO/Foundress -- Mendota Heights, Minn. Inspiration comes in strange places, just ask Cathy Frazier, CEO and Foundress of Luvupumkin. com. One night after losing her job, alone in the South Side Lifecare Center cafeteria, she decided to say a prayer. "I was angry with God about having to look for work again," she said. Trying to think of what she could do, an idea she'd had years before kept coming to mind. She grabbed some scratch paper and started writing. The result of that prayer session is Luvupumkin.com, a website selling specialty baby products to parents and grandparents. Through its sales and the donation of its products, Frazier's mission is to help pregnancy centers that counsel pro-life solutions for women and men in difficult situations. The idea she started with was making and selling diaper cakes � creations that make great centerpieces at baby showers and gifts for the new or expecting mothers. As those took off, she expanded to toys, embroidery and brandname baby products. Since opening for business in October 2006, Frazier says the company If you are a Catholic Aid member and a small business owner, and you would like your business profiled, write to email@example.com, or call 651-490-0170. "Couples need to have at least some type of road map to know what type of purchases they're going to make, what their income is going to be, and how to live on a budget." Mary also encourages engaged couples to make a life insurance plan as soon as they decide to get married. "The sooner, the better. The need for life insurance will most likely increase, not decrease, as family life progresses," she said. Employer plans aren't enough A majority of newlyweds have some type of life insurance coverage, but 60 percent of them report their coverage is through an employer plan. That type of coverage is not as secure as it seems, Mary says. The company could reduce or remove the benefit at any time it chooses. And, more often than not, the employer's insurance isn't portable. If an employee leaves they can't take their life policy with them. "If they can take it with them, the premium may be unaffordable," Mary warns. "Choose your own life insurance company and get the personal service you need for making these important decisions, and you may be able to lock in to an unchanging premium for a few decades." In today's economic climate, relying solely on an employer's plan is risky, and most likely inadequate, says Susan. "If you lose your job or you move to a different job, your new employer might not offer a life insurance benefit." Life insurance can be romantic? Rather than thinking of buying life insurance as a chore, a couple can consider buying a policy for one another as another show of commitment to their marriage. "I totally agree," Susan says. "They can make sure they are taking the financial steps they need to take." Mary sees the romantic side of life insurance as well. "Taking care of your spouse or future spouse in this way says, `I love you and want to care for you even after I'm gone.' Wow, that's pretty powerful!" *Source: Insurance Newscast 2007 firstname.lastname@example.org thgiltopS has grown significantly. Though she and her husband, Joe, are able to handle the company on their own today, she sees a future where more employees will be needed. Joe also works as a carpenter. Frazier says the way they've been able to show growth in this economy is due to their mission and the one-on-one experience she offers her customers. "I talk and email directly with our customers, I write little thank yous in the packing slips, and I do a lot of really personal customization," Frazier says. "For people looking for baby goods, that, and our mission to help women find loving alternatives to abortion make luvupumkin a unique place to shop." May/June 2009 15 CAA Cookbook From our kitchen to yours! About These Recipes: Ready for something light and pretty for summer picnic events? Make Raspberry Pretzel salad the night before and you will be the talk of the party! Foil-Pack Taco Chicken is something fast to make on those busy nights, and is fun for kids. Raspberry Pretzel Salad Step 1: by: David Zenk Ingredients: 1 can (14.5 oz) beef broth 2 cans (14.5 oz) chicken broth 1 medium onion, chopped 1/2 cup chopped celery 2 medium potatoes, cubed 1 pkg (14 oz) frozen baby carrots 1 pkg (10 oz) frozen green beans 1/2 lb Polish sausage, cut into bite-sized pieces 1 can (14.4 oz) undrained sauerkraut OR 1 bag (32 oz) drained sauerkraut 1/4 tsp pepper 1-1/2 cups pretzel crumbs 3/4 cup butter, melted 3 tbsp sugar Mix together. Bake 10 minutes at 3500. Cool, then crumble. Hearty Sauerkraut Soup Preparation In a large kettle, combine broths, onion, celery, potatoes, carrots, and beans. Bring to boil. Reduce heat to medium, cover, and cook until vegetables are tender. Add sausage, sauerkraut, and black pepper. Simmer for 5 minutes. Serve hot. Step 2: 2 (3 oz) raspberry Jell-O 2 cups boiling water 2 (10 oz) frozen raspberries Put in a bundt pan and refrigerate until set. Servings: 8 Prep Time: 15 minutes Cook Time: 30 to 35 minutes Step 3: 8 oz cream cheese 1 cup sugar 1 (8 oz) Cool Whip Mix together until smooth. Spread mixture over the set Jell-O. Top with pretzel crumb mixture. Refrigerate overnight. If you use a very thin layer of mayonnaise in the bundt pan, it helps the mold come out better. Foil-Pack Taco Chicken Ingredients: 4 small boneless skinless chicken breast halves (1 lb) 4 tsp taco seasoning mix 2 cups shredded colby cheese 2 cups thinly sliced peeled potatoes 1/2 cup salsa 1/4 cup sour cream aluminum foil *vary vegetables and seasonings to change flavors Prep Time: 10 minutes Cook Time: 30 minutes Preheat oven to 4000 Servings: 4 servings, 1 packet ea. Preparation Lay out 4 sheets of aluminum foil. Sprinkle cheese evenly with sesasoning mix. Place 1/2 cup potatoes on center of each sheet. Top each with 1 chicken breast, 1/4 cup of cheese and 2 Tbsp. of the salsa. Bring up the sides of the foil. Double fold top and both ends to seal each packet, leaving room for heat circulation inside. Place in a baking pan single layer. Bake 25 minutes or until chicken is cooked through and potatoes are tender. Remove from oven. Let stand for 5 minutes. Top each with a tablespoon of sour cream. If your family has a recipe that you or your friends rave about, send it to us to share with the whole CAA neighborhood: email@example.com That time of year is here when we break out the grill almost every weekend. This year, try something new with your hamburgers and explore the spices that just sit in your cupboard. Try adding a mix of garlic powder, tomato juice, Worcestershire sauce, bread crumbs, salt, and pepper to ground beef or turkey and grill it up! www.catholicaid.org 16 May/June 2009 CAA board members to be elected at Convention Three candidates are running for two open board of directors seats at this year's Annual Convention, August 7 � 8. President Michael McGovern is also running (unopposed) for reelection to his third term as the Association's president and chairman of the board. The Catholic Aid Journey provides equal room for a short biography of each candidate and a brief quote for the competitive board members. For more information about each candidate, contact the Home Office. Nominations for board and officer positions are due in writing June 1 of the election year. Michael F. McGovern is running unopposed for his fifth term as Catholic Aid Association President and Chairman of the Board. Mike McGovern McGovern lives in Northfield, Minn., with his wife, Ann, and has five grown children. Along with his duties to the Catholic Aid and its board, he has served on at least 20 organizational Boards, councils and groups for professional organizations in and around the Twin Cities; including the St. Paul Seminary. In 2008, McGovern received the "Leaders in Faith" award, presented by the Catholic Spirit and Archbishop of St. Paul and Minneapolis, Harry Flynn, which recognizes Catholic businessmen who exhibit leadership in improving their communities and supporting the Catholic Church. firstname.lastname@example.org Fischbach Omar and Grace Fischbach of Cold Spring, Minn., will celebrate their 50th wedding anniversary on June 7th with a 10:30 a.m. Mass at St. Boniface Catholic Church, followed by an open house reception hosted by their children from noon - 4 p.m. at the Blue Heron in Cold Spring. Dinner will be served at 1 p.m. Omar and Grace (Gertken) were married June 3, 1959, at SS. Peter and Paul Church in Richmond, Minn. Anniversary Board Candidates (In Alphabetical Order) Fran Barten, 63, is seeking a fifth term on the CAA Board of Directors. She has been a CAA member for 40 years and lives in Union Hill, Minn., on her family farm. She volunteers with the 4-H, various Pro-life and youth chastity programs, and now organizes the "Roman Barten Memorial Benefit Breakfast" for families of children with serious medical needs. She is active within her local council and volunteers at St. John's Parish with the Council of Catholic Women. "If reelected, I will continue to rely on Fran Barten my Catholic Faith, and my conservative nature in making responsible decisions; always keeping in mind what is best for Catholic Aid Association. It would be a privilege to represent you, the members, for one more term." John Giesen, 60, is seeking his first term as a CAA Board Member. John is a 50-year member of Catholic Aid raised on his family farm in Union Hill, Minn. He is a lifelong member of St. John's parish where he serves on the Cemetary Board and in the local Catholic Aid Council. He is a licensed contractor, veteran and a sportsman. He also sings in the St. John's Church choir. "I'm running for the board because I don't believe we should change the name of the organization. President McGovern has said at the past two John Giesen conventions that the Board was unanimous in favor of changing our name. I believe we should have at least one director who is proud to keep the name The Catholic Aid Association." Deb Pauly, 58, is seeking a fourth term as a member of the CAA Board of Directors. Deb is a lifelong member of Catholic Aid from Jordan, Minn., where she has been a member of St. John the Baptist Church for 28 years. She serves as Eucharistic and homebound minister, and volunteers in various functions around the church. She is also involved in the Jordan Council of Catholic Women and the church finance board. "Gifts that I will bring to the board are: dedication to my Catholic faith, a lifetime history with and Deb Pauly working knowledge of Catholic Aid, a strong business background and work experience, common sense, belief in listening to and representing the members, and a pledge to never lose sight of our mission to promote fraternalism and charity." May/June 2009 17 Minutes of the Editor's Note: The minutes listed below have been summarized for space. The January and March 2009 Board Minutes can be viewed in their entirety by visiting www. catholicaid.org, or call 1-800-5686670 to receive a printed copy. CAA Board of Directors prayer. All directors were present. A motion that the minutes for the January Board meeting and retreat be approved as written was seconded and approved unanimously. The agenda was approved as presented. The Investment Report was discussed. Mr. Borrmann noted that the Association's investments have continued to fare relatively well. A motion that the report be approved was seconded and approved unanimously. Chairman McGovern led a discussion of the Investment Committee Report and the meeting of the Investment Committee on Feb. 12. A motion that the report be approved was seconded and passed unanimously. With regard to Policy Governance, Chairman McGovern reviewed the Governing Style document. Mr. Borrmann reviewed the Member Complaint Report; it was noted that the Association continues to receive very few complaints from members, and that complaints are quickly and satisfactorily dealt with. Chairman McGovern and Mr. Borrmann discussed the Investment Policy in detail. A motion to approve the Policy was seconded and carried unanimously. Mr. Borrmann led a discussion of the Investment Compliance Review. A motion to accept the report was seconded and carried unanimously. Mr. Borrmann and Controller Allan Carlson proceeded to provide the 2008 Annual Financial Report. The two largest charges to capital and surplus were the charges connected to Pension Funding and Securities Lending, neither of which CAA had direct control over. Mr. Carlson then discussed the "Four Financial Benchmarks." CAA continues to perform well, particularly in relation to the results known from several other fraternals. Chairman McGovern delivered the President's Report: Loss of capital among insurers due to the turmoil in the financial markets; STOLI continues to be addressed in the Minnesota state legislature; With respect to the Guaranty Fund issue, a working group of fraternals is working closely with the Insurance Department. It was concluded that the Board self-evaluation would be included in the future. The Compensation Committee reported its findings to the Board. A motion that the recommendations be accepted, was seconded and unanimously approved. A motion that CAA donate $5,000 toward the 800th anniversary of the Crosiers as an order was seconded and passed unanimously. Steve Wendorf, Director of Marketing, and Jim Gibbons, Director of Operations, then discussed the recently completed survey of non-members. Chairman McGovern and Mr. Borrmann reported on their attendance at the Volunteerism Summit in New York City, organized by the Knights of Columbus and Fairfield University. Mr. Borrmann reported on the ongoing efforts of Risk Management. Chairman McGovern led the closing prayer and the meeting was adjourned at 3:35 p.m. The next meeting is scheduled for Thursday, April 9, 2009. Respectfully submitted, Harald E. Borrmann Senior Vice President and Secretary/Treasurer January 8, 2009 The meeting and retreat opened at 11:45 a.m. with a prayer led by Senior Vice President and Secretary/Treasurer Harald Borrmann followed by the Pledge of Allegiance. All directors were present. A motion that the minutes for the December meeting be approved as written was approved unanimously. A motion that Director Gay Polaczyk serve as an ad-hoc member of the Pension Committee was moved, seconded and carried unanimously. A motion to approve the upcoming Board calendar, including the June board meeting in La Crosse, Wis., was seconded and approved. The President's Report contained the following highlights: 2008 sales were up for life and annuities, though membership will show a modest decline; recruitment of Field Representatives seems to be improving; Catholic Aid Association's AntiFraud Committee has been reenergized; an update of the Credit Union Board meeting was provided. The report of the Compensation Committee was accepted by the Board. A motion that the Board of Directors endorses and presents a name change to our membership, no later than the 2010 Annual Convention, was unanimously approved by the Board. March 19, 2009 The meeting opened at 8:45 Chairman McGovern updata.m. at the Home Office with a ed the Board on the ongoing strategic planning process. The format of the Annual Convention was discussed, to make the convention more purposeful and possibly attract younger members. Our current convention format would be employed every other year. Beginning in 2010, a half-day business meeting would be held as prescribed in our Constitution and then supplementing this limited business meeting would be three regional meetings held around our territory. In effect, CAA would come to the members. It was agreed that this would be further explored and refined by management while keeping the Board informed. The Board discussed at great length the need for CAA to be observant of the requirements of Sarbanes-Oxley even though CAA is not subject to that regulation. Board Succession planning was discussed. A motion that Secretary Borrmann be appointed Chief Risk Officer until duly replaced was made, seconded and approved. Secretary Borrmann led a discussion of CAA's position in Securities Lending. Chairman McGovern then led a discussion on the future of CAA � perhaps a 10-year vision. Chairman McGovern led the closing prayer and the meeting was adjourned at 4:45 p.m. The installation Mass and subsequent dinner for Secretary Borrmann and his family was immediately following. The next meeting is scheduled for Thursday, March 19, 2009, in the Home Office. 18 May/June 2009 www.catholicaid.org In loving memory of our deceased members April 2009 Irvin S Adelman, 76 Ortonville, MN St. John Carolyn Hanrehan, 92 Bloomington, MN SS Ann & Wendelinus Valeria F Mareck, 89 Albany, MN St. Anna Nancy A Thompson, 56 Hastings, MN St. Eliz Ann Seton Leavenworth, MN Holy Family St. Peter, MN St. Peter's Elizabeth Hentges, 83 Marystown, MN St. Anthony New Ulm, MN St. Joseph Leonard C Rother, 84 New Trier, MN St. Nicholas/Theresa Sleepy Eye, MN St. Mary St. Cloud, MN St. Anthony Violet M Hron, 99 Cologne, MN St. Bernard Leonard R Melville, 51 Bloomington, MN SS Ann & Wendelinus Charlotte J Wall, 74 Herbert Hoffmann, 85 Virginia Stamps, 66 Joseph G Ahlers, 91 Wabasha, MN SS Joseph/Kunigunda Irma E Hurkman, 95 Minneapolis, MN St. Ann's Minneapolis, MN St. Ann's Waite Park, MN St. Joseph Adrian, MN St. Joseph Arthur B Miller, 89 Sauk Centre, MN St. Paul Yvette Wenner, 47 Viola C Huben, 96 St. Cloud, MN St. Anthony Cologne, MN St. Bernard Clarence H Stang, 70 Kenneth M Berning, 59 St. Michael, MN St. Michael Marystown, MN St. Anthony Little Falls, MN Tri Parish Ann M Johnson, 84 Bernard P Moes, 90 New Trier, MN St. Nicholas/Theresa Johnsburg, MN St. Theresa Albany, MN St. Anna Margaret M Worm, 87 Richmond, MN SS Catherine/Joseph Rosella M Joos, 94 Vincent Suilmann, 91 Wabasha, MN SS Joseph/Kunigunda Elmer A Boegeman, 89 Lucille E Jonas, 77 Thomas Mullenbach, 65 Mary Julia Brenny, 86 March 2009 Alta E. Ahlers, 88 Wabasha, MN SS Joseph/Kunigunda Dora K Kasel, 96 Jane M Sullivan, 58 Caledonia, MN St. Elizabeth Vermillion, MN SS Barbara & John Raphael D Kellen, 86 Armella C Nathe, 95 Olivia M Klimek, 94 Alexandria, MN Our Lady/Runestone St. Cloud, MN St. Augustine Charles A Teuber, 76 New Trier, MN St. Nichoals/Theresa Thomas R Byrne, 85 St. Paul, MN SS Peter & Clemens Louis G Kirscht, 80 Albertville, MN St. Albert Celestine Pistulka, 78 New Ulm, MN St. Mary New Ulm, MN St. Elizabeth Andrew G Auer, 92 Albany, MN St. Joseph Loretta M Klobe, 94 Ellen Theresa, 90 Sleepy Eye, MN St. Mary Callaway, MN St. Joseph Julia Ann Chapple, 51 Pine City, MN Immaculate Conception Ben H Klaphake, 96 Paynesville, MN St. Louis Cologne, MN St. Bernard Georgine Portner, 80 Donna Mae Becker, 75 Faribault, MN SS Lawrence & Anna Pierz, MN SS Mary & Joseph David C Koopman, 62 Wabasha, MN SS Joseph/Kunigunda Daniel Lee Thielen, 50 Anthony C Cherne, 84 Freeport, MN Sacred Heart Willamette Koehnen, 84 Margaret V Roering, 72 Grey Eagle, MN Holy Family Adrian, MN St. Joseph Roman John Block, 65 John P Kreutzer, 92 Mankato, MN Holy Family Mankato, MN Holy Family Mandan, ND Charles Timmerman, 58 Delano, MN St. Anthony & St. Anns Sauk Rapids, MN Sacred Heart New Ulm, MN St. Joseph Anton J Eckstein, 85 New Ulm, MN St. Mary Lauretta T Korf, 92 Sauk Centre, MN St. Paul Lauretta M Scheidt, 94 Gerald Louis Feidt, 40 New Tier, MN St. Nicholas/Theresa Joanne K Laven, 74 Caroline Trushenski, 78 Lorraine Ehresmann, 79 St. Martin, MN St. Martin Gertrude Koskovich, 86 Winona, MN SS Joseph/Elizabeth New Ulm, MN St. Elizabeth Marcella Scherping, 95 Freeport, MN Sacred Heart Elizbeth Fink, 90 Eden Valley, MN SS Joseph & Mary John S Markel, 76 Donald G Marshall, 80 Lacrosse, WI St. James the Less Albany, MN St. Anna Lee Joseph Vetter, 84 Sylvester B Emge, 87 Faribault, MN SS Lawrence & Anna Viola A Kretchmer, 87 Robert C Scheuble, 72 Chaska, MN Guardian Angels Sleepy Eye, MN St. Mary Watkins, MN Holy Family August H Fried, 87 Clara City, MN SS Anthony & Clara Marie Volkenant, 87 Clara Erpelding, 91 Kimball, MN Holy Cross Irene M Kuelbs, 87 Clements, MN St. Joseph Callaway, MN St. Joseph New Ulm, MN St. Elizabeth Elizabeth Schmidt, 87 Franziska Gansfus, 80 St. Paul, MN SS Peter & Clemens Rita M Massmann, 82 Rosen, MN St. Anthony/St. Monica Marie Fafrowicz, 93 Loretto, MN SS Peter & Paul Wilmont, MN St. Kilian Philip A Kunz, 82 Bernard Schreiner, 93 Gregory Jake Gillen, 92 Faribault, MN SS Lawrence & Anna Agnes Materi, 79 Aberdeen, SD SS Joseph & Ann Leona Fuerstenberg, 81 Marilyn G Lang, 77 Otto Sellner, 87 Sleepy Eye, MN St. Mary Hampton, MN St Mathias Mankato, MN Holy Family Jerome J Green, 86 Morgan, MN St. Michael Jeanette McDonough, 88 St. Paul, MN St. Francis De Sales Minneapolis, MN St. Ann's Marystown, MN St. Anthony Elizabeth Goblirsch, 91 New Ulm, MN St. Elizabeth New Ulm, MN St. Elizabeth Winnefred LaPlante, 100 Marcella Gruber, 88 Hutchinson, MN St Anastasia/Boniface Rogers, MN Mary Queen of Peace Joanne Siebenaler, 77 Matilda B Griends, 95 Cologne, MN St. Bernard Kathryn Mootz, 100 Mildred Marie Linn, 88 Leander W Smith, 92 Hildegarde Hansgen, 85 Wilfred A Pauly, 79 Margie Guenther, 84 Rollingstone, MN SS Nicholas/Theresa Richmond, MN SS Catherine/Joseph Olivia Lorentz, 92 Dorothy Haider, 78 Elrosa, MN St. James New Trier, MN St. Nicholas/Theresa Fred F Stuwe, 96 Tersa M.Heller, 91 Marystown, MN St. Anthony Katherine Quitter, 59 St. Paul, MN St. Francis De Sales Freeport, MN Sacred Heart Hoven, SD St. Anthony of Padua Wesley R Majerus, 78 St. Charles, MN Saint Isidore John J Tautges, 96 Gibbon, MN St. Willibrord Cecil S Hemminger, 82 Parkston, SD Holy Cross/St. Mary Edwin H Raeker, 73 email@example.com May/June 2009 19 Youth Salute to Youth! Three young Catholic Aid members were honored on April 21, 2009, at the Salute to Youth banquet, sponsored by Degree of Honor. The Salute to Youth Award is a program recognizing outstanding young people "who give of their time, energy and talents to serve others and to improve self." The three high school seniors worked tirelessly toward those goals, and Catholic Aid was proud to sponsor them for this recognition. CAA Youth honored for their committment to community service Left: Fraternal Youth Liaison Heather Vargo and Catholic Aid's three Salute to Youth winners, Slayton, Heubsch and Floeder pause for a photo op at the banquet. Above: Julie Slayton's family, seated, shares a laugh with Fraternal Director Kathleen Moriarty and Senior Vice President Harald Borrmann. Vincent Floeder Mounds View, Minn. Vincent has been recognized as the National Most Commended Scholar, the Salvation Army Volunteer of the Year, the National Hispanic Scholar and has received a Boys State Award. In addition to all of these awards, Vincent offers free lawn care for his elderly neighbors and is a regular volunteer at the Harbor Light Center in Minneapolis. Elizabeth Heubsch Perham, Minn. Elizabeth was a state competitor in speech and mock trial, and was the recipient of the Minnesota MILE Award (Motivating and Inspiring Leadership and Excellence). Elizabeth is involved in her Catholic Parish as a lector, lead singer, Mass server, confirmation retreat leader, and youth group leader. Julie Slayton Zimmerman, Minn. Julie has been a vacation Bible school leader, teacher's aid, cheerleader and is part of LINK crew, a leadership program in her high school. She volunteers her time as a Big Sister with Big Brothers Big Sisters, is a teacher in her parish, a Eucharistic Minister, is on the Saint Cloud Diocesan Youth Council, and is involved with Teens Encountering Christ. Off to college next fall? Get the facts before you pack! Attention all college-bound students! CAA is hosting a College Information Session for students who are going into their first year of college! The session will have a variety of speakers, including Fr. Tim Biren, Director of the Minnesota State University Newman Center, and the event will have a panel of current college students to offer advice on what to expect your freshman year! Save the date - It's August 8th! More information on speakers, topics and time is available online at www.catholicaid.org in the `Youth and Young Adults' section. Please direct your questions to firstname.lastname@example.org. www.catholicaid.org Heather Vargo 20 May/June 2009 Catholic Aid Kids Cool Kid Name: Julia Welle Age: 8 Hometown: Freeport, Minn. School: Sacred Heart School The juice on Julia! Catholic Aid Kids Julia is a 2nd Grader who loves reading and playing Monopoly. Her favorite color is blue. On weekends, Julia likes to read, play advanced music on the piano, adventure with the Harry Potter books and help in the barn. She is on her 3rd Harry Potter book. She loves her pet dog Sam and helps her parents out with her three younger siblings. Congratulations Julia! f Be the July/August Cool Kid! Fill out the puzzles on this page as best you can and submit them to the Catholic Aid Journey. One winner will get a Catholic Aid T-shirt and a special prize! Include your name, age and phone number and send to: Catholic Aid Association, 3499 Lexington Ave. N., St. Paul, MN 55126. Incredible Saints artwork and games �2009 Mario D. Macari. All rights reserved. email@example.com firstname.lastname@example.org May/June 2009 21 ye on the Industry Your sneak peek into current trends of the fraternal life insurance industry nations are given to candidates who successfully complete 10 courses relating to professional development, business education, and insurance and financial services. The designation is overseen by LOMA, an international insurance and financial services association, of which Catholic Aid is a member. The Life Underwriter Trainers Council Fellow, or LUTCF, is granted to an individual who has completed coursework in life insurance, customer service, and financial planning from The American College. The designation is conferred by the College and the National Association of Insurance and Financial Advisors. The ChFC� designation stands for Chartered Financial Consultant. Individuals earn this designation after they complete coursework related to insurance, taxes, retirement planning, and economics, have three years of business experience, and after they commit to a professional code of ethics. Finally, the CLF� designation is the acronym for Chartered Leadership Fellow. Granted by The American College, the coursework for this designation includes topics on leadership, strategic planning and management. Individuals must also have at least three years of business experience to earn the designation and must commit to a code of ethics. Sources: LOMA, FFMA, The American College What do the initials mean on this business card? Is that a question you've ever wanted to ask your Catholic Aid Field Representative? Here's a short description of some of the more common credentials found in the fraternal life insurance industry. FIC stands for Fraternal Insurance Counselor. This is a national certification program managed by the Fraternal Field Managers' Association (FFMA). Individuals are granted the FIC designation for completing coursework related to the fraternal insurance industry, and after working for at least 12 consecutive months for a fraternal benefit society, such as Catholic Aid. FICF is the acronym for Fraternal Insurance Counselor Fellow, a credential program also granted by the FFMA. Individuals with this credential have already completed FIC coursework, plus additional courses related to estate and financial planning, and insurance underwriting. FLMI� stands for Fellow, Life Management Institute. FLMI desig- Prepared for a pandemic It sounds like a scene from a popular summer disaster movie. Doctors discover that a killer virus is sweeping across the land, infecting millions. In the real world, what are the roles and responsibilities of insurance companies in the midst of a global pandemic? As worries surrounding the recent outbreak of the H1N1 Virus (known commonly as "Swine Flu") subside, insurance companies are considering the possibility of the outbreak of a deadly virus in the U.S. Industry experts are encouraging insurance companies to prepare disaster plans that take into account the possibility of a viral outbreak. For example, experts suggest that companies take into account a loss of manpower, reduced supplies, increased hygiene practices in the workplace to prevent the spread of disease, a reduction in travel, and revised sick-leave policies. Of primary importance above all of these concerns to companies is communication. Companies must be prepared to communicate the status of their operations to their members if the economy sputters due to a natural disaster on a national scale, such as a pandemic. Sources: National Underwriter, AHIP Coverage, Best's Review www.catholicaid.org Saving for college? Did you know that Catholic Aid membership can help your family save for future college expenses? Contact your Field Rep to learn how these products can assist your family's college savings plan: � Life Insurance � Roth and Traditional IRAs � CAA Scholarship eligibility � Coverdell Educational Savings Accounts (from CAA Credit Union) 22 May/June 2009 3499 Lexington Ave. N. St. Paul, MN 55126-8098 pera s i n al Pro F What's in a name? Life SocietyCatholic Aid Association Quite a lot, actually. The Board of Directors of Catholic Aid Association resolved in the winter of 2008 to begin the process of updating our name. The process will conclude with a vote on the name at the 2010 Annual Convention. Meanwhile, we are taking the intermediate steps of gathering facts and soliciting ideas from the our members and the Catholic community. Here's a look at what we'll be doing this summer to ease the transition and prepare for the future. � We'll report the results of a non-member survey of Catholics. The survey recorded the decision-making process in selecting insurance and financial products, and what our current name says or doesn't say to prospective members. � We will create a dedicated web page at www.catholicaid.org for updates and member feedback. � You will find a special section in future issues of this magazine dedicated to the process. � We will unveil a 5 - 8 minute video that will show criteria for name selection, interviews, information and a historical perspective to the name update -- something that has happened several times in the past for our great organization, always with beneficial results. Please visit www.catholicaid.org/links/name to keep up-to-date with our progress on this front. Your opinion is always welcome, we will provide a feedback option on the site. In the mean time voice your opinion by emailing email@example.com.