Catholic Aid Journey Official Publication of the Catholic Aid Association
October 2008
Vol. 113 Issue 10
CAA Scholarship Yearbook
+ Can you help the CAAF?
Why college kids need life insurance
Opening Words
From the President There is an old Chinese proverb, “May you live in interesting times,” and we certainly do. On the back cover of this issue of Catholic Aid Journey, there is a letter from the two officers of the Catholic Aid Association, Mr. Olson and myself, discussing how the current financial turmoil on Wall Street has affected our Society. For 130 years, we have managed our members’ assets conservatively and responsibly and at times like these that philosophy gives us strength and comfort. Check out the letter and if you have more concerns or specific questions, just let us know. You may also notice an envelope attached inside this publication, soliciting money for the Catholic Aid Association Foundation Disaster Relief fund. As you are probably aware, this past year has brought many weather-related crises to our members from tornadoes, to high winds, to the floods in southeastern Minnesota. Our Foundation has risen to the task of helping all those members who have been affected, but as a result, its Disaster Relief Fund is running dry. Please take a few moments to read the article on the facing page regarding all the great work the Foundation has accomplished in this past year and consider a donation to help. The best proof that it goes to a good cause came from one of our members.
She donated a small amount to the fund during the floods in the Winona area last year, only to be hit by a tornado this year and receive a grant herself. She and all other donors can know they’re supporting other members in need, as 100% of all money donated to the Disaster Relief Fund goes directly for member support. No money is taken for administration or other costs. We all go through good times and times that are tough; helping others in distress is a hallmark of the Catholic Aid Association’s history. What better way to fulfill our destiny than to help those in need. The bulk of this months Journey is devoted to our scholarship winners, 435 of them! Over the years this has become one of our most successful programs and it continues to grow. I usually insert at this point the fact that I was a scholarship winner in 1967. Of course I was only 3 years old at the time I was accepted at St. Thomas College. As I am sure you have surmised, my math is a little fuzzy on this, maybe I was a little older, 19. The most wonderful message this list of fine young people sends us is that our future is full of anticipation. The future leaders of our country, our Church and the Catholic Aid are displayed on these pages. Let us pray that they will not lose their way and will On the Cover call upon the Lord for guidance and wisdom. May the Lord Bless you in every way,
Michael F. McGovern President
Catholic Aid Association President/Chairman Michael F. McGovern, Northfield Senior Vice President and Secretary/Treasurer Dennis 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 Publisher Michael F. McGovern Publication No. 093500/Official Publication of the Catholic Aid Association
Editor Jared Roddy
Staff Writer Susan Detlefsen Marketing Manager Steve Wendorf 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, and at additional offices. Subscription price is 50 cents a year. Published monthly.
The fresh faces of young Catholic Aid members in or on their way to postsecondary education, thanks in part to CAA Scholarships. Clockwise from left: Maria Doffing, Alan Smith, Maria Fisher, and Rebecca Bisciglia.
© 2008 The Catholic Aid Association
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www.catholicaid.org
Recent storms damage farms, homes, churches Can you help us replenish the Foundation Disaster Relief Fund? “This was the most severe storm I’ve ever seen,” says member Todd Peine of Cannon Falls, Minn. “I was born and raised here, and I’ve never seen a storm like that.” The damaging storm Peine witnessed blew through Dakota and Goodhue counties in Minnesota in the early afternoon of July 10, cutting a path of damaged countryside about six miles long. Peine’s farm lost a 40 by 80-foot shed, crops and half of the windbreak trees on his property. His
Field Rep Roger Bauer, Fr. Cory Beldin of St. Mary’s Church, Joanne Bauer and Foundation Executive Director Paul Naumann
home needs a new roof, siding and windows. “This storm will probably cost me $50,000 to $60,000 out of my pocket,” Peine says. “Whoever gets hit by these storms, it hurts for a while.” The Catholic Aid Association Foundation’s grant from its Disaster
Relief Fund will help Peine install new windows on his home. At press time, he was arranging a contractor to start work repairing his house. “The grant is a help,” he said. “We had insurance, but you can never have enough insurance.” Peine is one of 30 members from the Hampton, New Trier, Cannon Falls and Hastings area who received disaster relief grants this summer, reported Paul Naumann, executive director of the CAA Foundation. Church buildings are not immune to dangerous weather either. Church Secretary Joanne Bauer and the parish librarian were working at St. Mary’s Church in New Trier, Minn., when the storm barreled down on the town. “We looked at each other when they said ‘New Trier’ on the radio and headed for the basement,” Bauer says. High winds knocked down trees, scattered large boughs across church property, smashed windows and tore shingles from the roofs of the school and rectory buildings. A grant from the Foundation helped cover the cost of removing downed trees from St. Mary’s property. As these people rebuild from tragedy, a visit from Naumann with relief
check in hand is a welcome sight. But the Foundation needs help from CAA members to continue making these check deliveries. “We are asking Catholic Aid Journey readers to help their fellow members who have been devastated by severe storms this past summer,” said Naumann. Before the July storm, the Foundation provided over $30,000 to members who suffered losses in the tornadoes in Hugo, Minn., and Parkersburg, Iowa. The Foundation’s Disaster Relief Fund needs your gift to continue to aid members like Todd Peine and St. Mary’s Church. “Nothing takes higher priority than fellow members who have lost a home or community to a natural disaster,” Naumann says. “We are committed to helping our affected members and their churches recover from these disasters.” A postage-paid envelope has been included in this issue of the Catholic Aid Journey for your donation. Please write “Disaster Relief” in the memo line on your check, or include a note with the donation. The Foundation accepts donations made on major credit cards as well.
Contents
Features
Sections
The Wagner farm in Hampton, Minn., was hit hard by the July 10 storm.
up! 6- Scholarship 4-5 Study 4-5 Why insuring the college student in your life makes sense 15 Yearbook Meet the 435 scholarship 16 winners face to face!
news@catholicaid.org
Scrapbook
Member stories, CAA tidbits and news headlines
A Letter to Members From Mike McGovern and Dennis Olson
October 2008
3
As every mother and father has repeatedly reminded their teenaged child, and as every teenaged child has categorically ignored: teenagers are not invincible. And while the vast majority of teens learn that lesson safely, it is why parents must think about the things a teen won’t. Certainly, considerations of mortality fit into that category. Helping people understand the importance
Study up!
Give increasing your child’s coverage the old college try Scrapbook
of insurance in every life stage is the reason the Life Insurance Foundation for Education (LIFE)
CAA News
Seminarians victorious in annual ballgame For the fifth consecutive year, the seminarians of St. John Vianney Seminary in St. Paul, Minn., defeated their hosts, the Delano, Minn., All-Stars at the Delano Ball Park stadium. An estimated crowd of 300 cheered the teams to a close 3-0 seminarian victory. At left, the seminarian sluggers warm up.
4 October 2008
exists. Marvin Feldman is its President and CEO and with 41 years of experience in the life insurance industry behind him, he knows there are a number of reasons parents should consider increasing their child’s life insurance coverage as he or she begins higher education. College students don’t make money so they don’t need insurance, right? When all of your possessions can fit in a hatchback and you dine on ramen noodles with an old plastic fork, it’s easy to mistakenly believe you have no need for life insurance. The fact is, college itself is a reason to bring a college student’s coverage up to adult levels. The expense of the education is something that needs to be covered, Feldman says. “If you have student loans through a bank, or mom and dad went out and borrowed, if anything happens to the student those loans still have to be repaid.” Parents must also dispell the notion that college students do not need coverage because they do not have significant income. Feldman
Customer Service Heads-up As October arrives, many of our qualified annuitants will be receiving a letter that discusses their Required Minimum Distribution (RMD). Please keep a lookout for this communication from Catholic Aid. An RMD is an IRS-established amount (or percentage of an account) that anyone with a tax-advantaged retirement account must withdraw beginning with the calendar year after they turn 70 ½ years old. Basically, it means once you reach 70 ½, Uncle Sam requires that you start taking money out of that retirement account of yours.
For upcoming events: Visit us online at www.catholicaid.org
www.catholicaid.org
says “College students may have no income, but younger people should base their coverage estimates on their income potential after they graduate.” It’s the future you’re insuring after all. What am I looking for? Knowing that the job you land after college may determine the amount of coverage you need is only a small part of the equation. There are different products available for different situations, and it’s important to sit down with an agent and work out a plan. Feldman believes working with an agent is something a consumer needs in order to understand what they are purchasing and to be certain it is right for them. “It’s a very personal business,” Feldman says. “You can go out and buy it online, but you need an agent who knows you and sees the whole picture.” When it comes down to what type of insurance works best for your student, a personal agent can factor in variables you may not have considered to find the right product.
“You may have some exposure for one person because they’ve got $100,000 in medical school loans, and you want to make sure that that debt is covered for the time it will take to pay off,” Feldman explains. “On the other hand if you have ongoing obligations, to family or children or spouse, you would want permanent insurance because that obligation is over a lifetime.” When you meet with a dedicated agent, they will use their experience and knowledge to weigh the student’s income potential, job market, goals, debt load and need for future insurability, something a web site policy cannot do. Why haven’t I heard more about this? “Think back when you were in college,” Feldman says, “There actually is a fair amount of marketing going after this group, but were you paying attention?” Life insurance companies, Feldman assures, want young people more than most any other client. It’s good for the company, and good for the customer. Owning a policy at a young age can assure coverage
We want all of our qualified annuitants to be on the lookout for this letter because it will help you sign up for direct deposit of your RMD. The advantages of direct deposit are simplicity — you will no longer have to drive to the bank to deposit a paper check; security — there is no paper check to get lost or stolen in the mail; and frugality — direct deposit saves Catholic Aid (and as a result, you) money, hundreds of dollars in postage annually. So please keep an eye out for the envelope from Catholic Aid and sign up for Direct Deposit for your RMD. If you have any questions or need any help, please call us at 651-490-0170, or 1-800-568-6670.
news@catholicaid.org
later in life (when you might not be so healthy but have more to protect) and because the young are generally healthy, it can also be “exceedingly inexpensive.” Life insurance may not be fun to think about, but paying steep premiums later in life, or missing out on coverage altogether, is even less so. Homecoming parades, homework and the cutie in the next desk may make it difficult for your collegebound children to concentrate on something like life insurance. But it’s one of the best times for someone to be thinking about locking in coverage, and making sure all that potential is securely protected.
The students pictured in this story are all real Catholic Aid members. Their names can be found on page 2.
CAA News Hutchinson/Stewart Minn., charter first new council of 2008 Officially designated as the St. Anastasia/St. Boniface Council #333, the folks in Hutchinson and Stewart celebrated the chartering of the latest Catholic Aid Council on September 14, 2008. The new officers celebrated a special mass before the chartering banquet at St. Anastasia’s Church.
Your Field Representative: Your Field Rep’s name and phone number are printed on the back cover of this magazine.
October
2008 5
2008
CAA Scholarship Yearbook For the fifth time in ten years, Catholic Aid Association Post-High School Tuition Scholarship giving has broken records. This academic year sees more students than ever before pursuing postsecondary education with help from Catholic Aid. Catholic Aid has awarded $144,500 to 435 scholarship winners. No other year has compared in terms of number of students receiving awards, nor total dollars awarded. Recipients receive $300 for non-Catholic education, and $500 if their chosen institution is
Catholic. This year, 70 of the 435 winners plan to attend a Catholic college or university. The scholarship program was created in 1955 to encourage young members to pursue teaching careers in Catholic schools. Since then, the Catholic Aid Post High School Tuition Scholarship Program has expanded to include all post-secondary institutions and has awarded more than $1.8 million to Catholic youth on their way to higher education. Congratulations and good luck this year, to all of our scholarship winners.
Chad Aaseth Cold Spring, Minn. Jamestown College Jamestown, N.D.
Brandon Anderson Clear Lake, Minn. St. John’s University Collegeville, Minn.
Derek Anderson St. Bonifacious, Minn. N.D. State University Fargo, N.D.
Kari Lynn Anderson Adams, Minn. Riverland Cmnty College Austin, Minn.
Katherine Anderson Rochester, Minn. Augustana College Sioux Falls, S.D.
Kristin Arnold Eden Valley, Minn. University of Minn. Crookston, Minn.
Brian Arola Detroit Lakes, Minn. NW Technical College Bemidji, Minn.
Jacquline Asfeld Watkins, Minn. College of St. Benedict St. Joseph, Minn.
Amy Atkinson Northfield, Minn. MN State University Moorhead, Minn.
Katherine Backus Bloomington, Minn. MN State University Mankato, Minn.
Lynn Baldus Grand Meadow, Minn. Simpson College Indianola, Iowa
Mark Barten New Prague, Minn. University of Minn. Minneapolis, Minn.
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Amanda Bauer Watertown, Minn. Normandale Cmnty Coll. Bloomington, Minn.
Joshua Bauer Fall Creek, Wis. Chippewa Valley Tech Coll. Eau Claire, Wis.
Teresa Becker Long Prairie, Minn. Central Lakes College Brainerd, Minn.
John Beranek New Ulm, Minn. MN State University Moorhead, Minn.
Nathan Bertram Becker, Minn. Bemidji State University Bemidji, Minn.
Natasha Bhaskaran Rochester, Minn. MI State University East Lansing, Mich.
Rebecca Bisciglia Mendota Heights, Minn. College of St. Catherine St. Paul, Minn.
Roger Blenker Melrose, Minn. St. Cloud Tech. College St. Cloud, Minn.
James Blissenbach Eagan, Minn. St. Olaf College Northfield, Minn.
Eric Bloch St. Cloud, Minn. St. Cloud State University St. Cloud, Minn.
Amanda Boeckermann Albany, Minn. St. Cloud Tech. College St. Cloud, Minn.
Megan Boll Maple Plain, Minn. College of St. Benedict St. Joseph, Minn.
Brittany Boorse Delano, Minn. Ridgewater College Hutchinson, Minn.
Travis Borchert Ellendale, Minn. IA Lakes Cmnty. College Estherville, Iowa
Thomas Borgerding Belgrade, Minn. University of Minn. Crookston, Minn.
Anne Borgmann Sauk Centre, Minn. University of Wis. River Falls, Wis.
Monique Boucher Crookston, Minn. Bemidji State University Bemidji, Minn.
Melissa Bozych Becker, Minn. MN School of Business Waite Park, Minn.
Jessica Brandel New Ulm, Minn. S.D. State University Brookings, S.D.
Mollie Bredeck Madison, Minn. S.W. Minn. St. University Marshall, Minn.
Matthew Breen Seneca, S.D. Lake Area Tech Institute Watertown, S.D.
Jonathon Breher Maple Grove, Minn. University of Minn. Minneapolis, Minn.
Elizabeth Brende Worthing, S.D. S.E. Technical College Sioux Falls, S.D.
Kevin Brennhofer Wyoming, Minn. St. John’s University Collegeville, Minn.
Amy Briol Alexandria, Minn. College of St. Benedict St. Joseph, Minn.
Wendy Buermann Paynesville, Minn. College of St. Benedict St. Joseph, Minn.
Kyle Burg St. Martin, Minn. Ridgewater College Willmar, Minn.
Ethan Burlingame Little Falls, Minn. St. John’s University Collegeville, Minn.
Mary Casey Eagan, Minn. Creighton University Omaha, Neb.
Terran Chambers Bemidji, Minn. Univ. of North Dakota Grand Forks, N.D.
Carrie Claussen Sioux Falls , S.D. MN State University Mankato, Minn.
Miles Colago Anoka, Minn. Calvin College Grand Rapids, Mich.
Ashely Cole Jordan, Minn. MN St. Comm. Tech. Coll. Fergus Falls, Minn.
Ryan Collins Cedar Rapids, Iowa Loras College Dubuque, Iowa
Sean Collins Inver Grove Hgts., Minn. Northwestern University Evanston, Ill.
Tiana Daun Minneapolis, Minn. University of Wis. Madison, Wis.
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John Denne St. Cloud, Minn. Minot State University Minot, N.D.
Shirin Desouza New Ulm, Minn. College of St. Benedict St. Joseph, Minn.
Jordan Devaney Anamosa, Iowa University of Iowa Iowa City, Iowa
Joseph Dimberg Woodbury, Minn. University of Minn. Minneapolis, Minn.
Maria Doffing Burnsville, Minn. Mpls. Comm. & Tech. Coll. Minneapolis, Minn.
Mathew Dorn Plymouth, Minn. Iowa State University Ames, Iowa
Cassie Dorschner Mantorville, Minn. College of St. Benedict St. Joseph, Minn.
Brandon Dressel Vermillion, Minn. University of Wis. Eau Claire, Wis.
Seth Eberle Bismarck, N.D. N.D. State University Fargo, N.D.
Danielle Ebnet Holdingford, Minn. N.D. State University Fargo, N.D.
Corey Egan Pierz, Minn. St. Cloud State University St. Cloud, Minn.
Brandon Eggers Wagner, S.D. S.D. State University Brookings, S.D.
Cassandra Ehrke Brownton, Minn. MN State University Mankato, Minn.
Katie Engberg Detroit Lakes, Minn. Lake Superior College Duluth, Minn.
Raland Engle Big Lake, Minn. St. Xavier Unversity Chicago, Ill.
Stephanie Erb Amenia, N.D. Univ. of North Dakota Grand Forks, N.D.
Emily Erickson Pine City, Minn. Buena Vista University Storm Lake, Iowa
Johnelle Farniok Delano, Minn. Winona State University Winona, Minn.
Samuel Ferguson Apple Valley, Minn. St. Cloud State University St. Cloud, Minn.
Maria Fischer Mendota Heights, Minn. University of St. Thomas St. Paul, Minn.
Deanna Forry Springfield, Minn. Augustana College Sioux Falls, S.D.
Caitlin Freier Alexandria, Minn. Concordia College Moorhead, Minn.
Casey Galuska Rochester, Minn. Rchstr Comm & Tech Coll. Rochester, Minn.
Nicholas Gawarecki Stewartville, Minn. Rchstr Comm & Tech Coll. Rochester, Minn.
Jordyn Geer Minot, N.D. Minot State University Minot, N.D.
Jeremy Gerbig Stacyville, Iowa N. IA Area Cmnty. College Mason City, Iowa
Sean Gerhardt Bismarck, N.D. N.D. State University Fargo, N.D.
Mark Giesen New Ulm, Minn. University of Minn. Minneapolis, Minn.
Joe Gill Royalton, Minn. St. Cloud Tech College St. Cloud, Minn.
Cory Gillen White Lake, S.D. Univ. of South Dakota Vermillion, S.D.
Megan Glover Delano, Minn. University of Minn. Duluth, Minn.
Anna Gmiterko Hastings, Minn. College of St. Catherine St. Paul, Minn.
Nicholas Goeden Wadena, Minn. St. John’s University Collegeville, Minn.
Kelsey Gomez Chanhassen, Minn. University of WI-Stout Menomonie, Wis.
Thomas Gormley Backus, Minn. Central Lakes College Brainerd, Minn.
David Green Hastings, Minn. MN State University Mankato, Minn.
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Joel Griebel New Ulm, Minn. S. Central Tech College Faribault, Minn.
Robert Gruber Waite Park, Minn. St. Cloud Tech. College St. Cloud, Minn.
Ryan Gruber Sauk Rapids, Minn. St. Cloud Tech. College St. Cloud, Minn.
Steven Gruber Belgrade, Minn. N.D. State University Fargo, N.D.
Maria Guetter Wabasso, Minn. College of St. Benedict St. Joseph, Minn.
Kaitlyn Guldan New Ulm, Minn. Benedictine College Atchison, Kan.
Rose Gunderson Ham Lake, Minn. North Park University Chicago, Ill.
Laura Guse Zimmerman, Minn. College of St. Scholastica Duluth, Minn.
Shannon Guse Zimmerman, Minn. College of St. Scholastica Duluth, Minn.
Abby Haak Fond du Lac, Wis. Ripon College Ripon, Wis.
Laura Hansel Chaska, Minn. University of MN-Duluth Duluth, Minn.
Chelsey Hansen Paynesville, Minn. Augustana College Sioux Falls, S.D.
James Hartman Hartford, SD. S.D. State University Brookings, S.D.
Justin Hauger Volin, S.D. Univ. of South Dakota Vermillion, S.D.
Brianna Haus Cold Spring, Minn. Concordia College Moorhead, Minn.
Richard Heck Princeton, Minn. Winona State University Winona, Minn.
Diana Hegeholz Cornell, Wis. Chippewa Vlly. Tech. Coll. Eau Claire, Wis.
Paul Hegeholz Cornell, Wis. Chippewa Vlly. Tech. Coll. Eau Claire, Wis.
Emily Heimer Adams, Minn. Viterbo University LaCrosse, Wis.
Luke Heine Vermillion, Minn. Augustana College Sioux Falls, S.D.
Katherine Heinen New London, Minn. N.D. State University Fargo, N.D.
Abby Heinze Sauk Centre, Minn. Rasmussen College Mankato, Minn.
Hannah Heller Inver Grove Heights, Minn. University of Minn. Duluth, Minn.
Kayla Hellermann Melrose, Minn. St. Cloud Tech. College St. Cloud, Minn.
Joseph Henning Lismore, Minn. S.D. State University Brookings, S.D.
Tabitha Henrich Bellingham, Minn. Moorhead St. University Moorhead, Minn.
Emily Hidding Victoria, Minn. Franciscan University of Steubenville, Ohio
Mathias Hieserich Breckenridge, Minn. University of Minn. Minneapolis, Minn.
Angela Hilgers St. Bonifacious, Minn. SW MN. State University Marshall, Minn.
Marcus Hilgert Bloomington, Minn. So. Central Tech. College North Mankato, Minn.
Thomas Hilgert Bloomington, Minn. Hennepin Tech. College Eden Prairie, Minn.
Joseph Hoffman Nicollet, Minn. Alexandria Tech. College Alexandria, Minn.
Jesse Hoffmann Sleepy Eye, Minn. MN. W Comm & Tech Col. Jackson, Minn.
Joshua Hofmann Fergus Falls, Minn. St. John’s University Collegeville, Minn.
Joshua Hogen New Ulm, Minn. So. Central Tech College North Mankato, Minn.
Daron Hohbein Mandan, N.D. Concordia College Moorhead, Minn.
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Hannah Hollermann Chatfield, Minn. University of Wis. LaCrosse, Wis.
Marie Holtzmann Yankton, S.D. Augustana College Sioux Falls, S.D.
Nolan Hovland Bricelyn, Minn. University of N. Iowa Cedar Falls, Iowa
Elizabeth Humbert Eagan, Minn. College of St. Benedict St. Joseph, Minn.
Robert Huston Excelsior, Minn. Iowa State University Ames, Iowa
Chaz Irrthum Eagan, Minn. N.D. State University Fargo, N.D.
Theodore Jacobs Melrose, Minn. St. John’s University Collegeville, Minn.
Chloe Jensen Rochester, Minn. S.W. MN. State University Marshall, Minn.
James Johnson Isanti, Minn. Alexandria Tech.College Alexandria, Minn.
Michael Johnson Larchwood, Iowa Cornell College Mt. Vernon, Iowa
Brian Julson Olivia, Minn. MN W. Comm & Tech Col. Jackson, Minn.
John Justin Shoreview, Minn. N.D. State University Fargo, N.D.
Mark Kahl Pierz, Minn. St. Cloud Tech. College St. Cloud, Minn.
Jonathan Kaiser Hastings, Minn. University of Wis. Stephens Point, Wis.
Reed Kampmeier Chokio, Minn. N.D. State University Fargo, N.D.
Scott Karels Ortonville, Minn. N.D. St. Coll. of Science Wahpeton, N.D.
Luke Kasper Sauk Centre, Minn. Wyotech Laramie, Wyo.
Kimberly Kaufman Sartell, Minn. Drake University Des Moines, Iowa
Courtney Kavanagh Murdock, Minn. S.D. State University Brookings, S.D.
Alexander Keilen Faribault, Minn. S.W. MN State University Marshall, Minn.
Kyle Kelsey Watertown, Minn. Ridgewater College Hutchinson, Minn.
Brady Kemen Madison, Minn. S.D. State University Brookings, S.D.
Simon Kern Watkins, Minn. S.D. State University Brookings, S.D.
Kayla Kieffer Royalton, Minn. St. Cloud Tech. College St. Cloud, Minn.
Karena King Detroit Lakes, Minn. MN State University Moorhead, Minn.
Amanda Kirlin St. Paul, Minn. University of Wis. Madison, Wis.
Carrie Klaphake Belgrade, Minn. Alexandria Tech. College Alexandria, Minn.
Justin Kline Aberdeen, S.D. N.D. State University Fargo, N.D.
Bradley Knapp Avon, Minn. Central Lakes College Brainerd, Minn.
Matthew Koczur Burtrum, Minn. Univ. of North Dakota Grand Forks, N.D.
Matthew Konz Babbit, Minn. Vermillion Cmnty. Coll. Ely, Minn.
Samantha Kopet St. Paul Park, Minn. University of Wis. Eau Claire, Wis.
Michael Korder Winona, Minn. University of Minn. Minneapolis, Minn.
Amy Jo Koshiol St. Cloud, Minn. St. Cloud Tech.College St. Cloud, Minn.
Aimee Kotten Sleepy Eye, Minn. MN State University Mankato, Minn.
Trevor Koupal Franklin, Minn. St. Cloud Tech.College St. Cloud, Minn.
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Jaclyn Kramer Hewitt, Minn. Univ. of North Dakota Grand Forks, N.D.
Allie Kraus Porter, Minn. N.D. State University Fargo, N.D.
Matthew Krogh Circle Pines, Minn. Anoka-Ramsey Cmnty. Col. Coon Rapids, Minn.
Allen Kuehn Hugo, Minn. Iowa State University Ames, Iowa
Allisha Kunkel St. Cloud, Minn. College of St. Benedict St. Joseph, Minn.
Brianna Ladwig Ramsey, Minn. University of WI-Stout Menomonie, Wis.
Ashley Langer Pierz, Minn. Northland College Ashland, Wis.
Patrick Leither Richmond, Minn. University of Minn. Duluth, Minn.
Amanda Lenneman St. Michael, Minn. Hennepin Tech. Coll. Brooklyn Park, Minn.
Douglas Liebsch Long Prairie, Minn. N.D. State University Fargo, N.D.
Kyle Lieser Belgrade, Minn. St. Cloud Tech. College St. Cloud, Minn.
Julia Lintgen St. Cloud, Minn. Anoka Technical College Anoka, Minn.
Kristopher Lomheim Avon, Minn. St. Cloud Tech.College St. Cloud, Minn.
Michelle Ludwig Bloomington, Minn. University of St. Thomas St. Paul, Minn.
Jacob Mackedanz Roscoe, Minn. MN St. College SE Tech. Winona, Minn.
Jonathon Mader Waterville, Minn. N.D. St. Coll. of Science Wahpeton, N.D.
Heather Marg Winona, Minn. Winona State University Winona, Minn.
Daniel Margarit Rosemount, Minn. N.D. State University Fargo, N.D.
Kurt Marthaler Melrose, Minn. St. Cloud State University St. Cloud, Minn.
Benjamin Maus Melrose, Minn. St. Cloud Tech. College St. Cloud, Minn.
James Menke Jordan, Minn. N.D. State University Fargo, N.D.
Danielle Merfeld Albert Lea, Minn. Loyola University Chicago, Ill.
Austin Meyer Lake Elmo, Minn. Luther College Decorah, Iowa
Brianna Meyer Sauk Centre, Minn. College of St. Benedict St. Joseph, Minn.
Trista Meyer Melrose, Minn. St. Cloud State University St. Cloud, Minn.
Robert Michalak Hartford, Wis. University of Minn. Minneapolis, Minn.
Adam Michel Belle Plaine, Minn. Gustavus Adolphus Coll. St. Peter, Minn.
Ryan Mielitz Big Stone City, S.D. N.D. St. Coll. of Science Wahpeton, N.D.
Chase Miller Fargo, N.D. Moorhead St. University Moorhead, Minn.
Christina Miller New Ulm, Minn. MN State University Mankato, Minn.
Samantha Miller Sauk Centre, Minn. N.D. State University Fargo, N.D.
Melissa Moline Oak Park Heights, Minn. Winona State University Winona, Minn.
Elizabeth Moyle Combined Locks, Wis. University of Wis. Stephens Point, Wis.
Amy Mueller Freeport, Minn. College of St. Benedict St. Joseph, Minn.
Reid Nelles St. Michael, Minn. University of Minn. Duluth, Minn.
Nikki Neumiller Sykeston, N.D. University of Mary Bismarck, N.D.
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Donna Neuvirth Elkton, Minn. MN State University Mankato, Minn.
Travis Notch St. Cloud, Minn. St. Cloud State University St. Cloud, Minn.
Jordan Oberbreckling Wyoming, Iowa Coe College Cedar Rapids, Iowa
Megan O’Leary West Fargo, N.D. MN State University Moorhead, Minn.
John Opatz Hampton, Minn. Univ. of North Dakota Grand Forks, N.D.
Lori Overman Freeport, Minn. N.D. State University Fargo, N.D.
Nathan Paler Fergus Falls, Minn. MN St. Com. & Tech. Col. Fergus Falls, Minn.
Zach Palokangas Apple Valley, Minn. St. Mary’s University Winona, Minn.
Benjamin Pauley Parker, S.D. St. Cloud State University St. Cloud, Minn.
Joshua Peloquin Lititz, Pen. VA Poly Inst. & St. Univ. Blacksburg, Va.
Melissa Perius Verndale, Minn. MN St. Com. & Tech. Col. Wadena, Minn.
Brittaney Pick Pierz, Minn. Central Lakes College Brainerd, Minn.
Samuel Piehl Sleepy Eye, Minn. MN W. Comm & Tech Col. Worthington, Minn.
Angela Pilarski St. Cloud, Minn. Bemidji State University Bemidji, Minn.
Pamela Pirkl Inver Grve Heights, Minn. Inver Hills Cmnty College Inver Grove Heights, Minn.
Abby Polzin Midlothian, Vir. Miami University Oxford, Ohio
Amber Redig Apple Valley, Minn. Winona State University Winona, Minn.
Matthew Reiner Springfield, Minn. University of Calif. Irvine, Calif.
Megan Reiner Springfield, Minn. Winona State University Winona, Minn.
Ryan Rickerl Riceville, Minn. University of N. Iowa Cedar Falls, Iowa
Joseph Rider Chippewa Falls, Wis. Milwaukee Sch. of Engnr. Milwaukee, Wis.
Laura Rockne Yankton, S.D. Univ. of South Dakota Vermillion, S.D.
Caitlin Roeder Rochester, Minn. University of Minn. Duluth, Minn.
Matthew Roggenbuck Madison, Minn. St. John’s University Collegeville, Minn.
Michael Romer Delano, Minn. Winona State University Winona, Minn.
Ethan Rosen New Munich, Minn. Maranatha Bptst Bible Col. Watertown, Wis.
Steven Ruhland Eden Valley, Minn. St. Cloud State University St. Cloud, Minn.
Shane Ruther Richville, Minn. Itasca Cmnty. College Itasca, Minn.
Claire Sackreiter St. Charles, Minn. St. Cloud State University St. Cloud, Minn.
Kayla Salo Litchfield, Minn. University of Minn. Duluth, Minn.
Thomas Sanders Amboy, Minn. MN State University Mankato, Minn.
Laura Schaefer Paynesville, Minn. Winona State University Winona, Minn.
Sara Scharf Hinckley, Minn. MN State University Mankato, Minn.
Sabrina Schefers Sartell, Minn. St. Cloud Tech. College St. Cloud, Minn.
Michael Schimek Oronoco, Minn. Rchstr. Comm. & Tech. Col. Rochester, Minn.
Kellan Schmaltz Rugby, N.D. N.D. State University Fargo, N.D.
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Stephanie Schmidt Hager City, Wis. MN Schl. of Cosmetology Woodbury, Minn.
Alexander Schmitz Richmond, Minn. St. Cloud State University St. Cloud, Minn.
Ashley Schreiber Inver Grove Hgts, Minn. University of MN Minneapolis, Minn.
Devon Schreiner Mitchell, S.D. Univ. of South Dakota Vermillion, S.D.
Mark Schroepfer Sleepy Eye, Minn. MN State University Mankato, Minn.
Justin Schug Ramsey, Minn. Anoka-Hnpn Tech. Coll. Anoka, Minn.
Jonathan Schuhwerck Farmington, Minn. Iowa State University Ames, Iowa
JoAnn Schulzetenberge Sauk Centre, Minn. MN St. Com. & Tech. Col. Fergus Falls, Minn.
Emily Schumacher Stickney, S.D. Mitchell Technical Inst. Mitchell, S.D.
Christopher Schutz Richmond, Minn. Ridgewater College Willmar, Minn.
Tiffany Scoles Waite Park, Minn. St. Cloud State University St. Cloud, Minn.
Ethan Scott Hampton, Minn. Drake University Des Moines, Iowa
Kathryn Sellner Fairfax, Minn. Gustavus Adolphus Col. St. Peter, Minn.
Leon Sexton Millville, Minn. University of Wis. River Falls, Wis.
Ephrem Shaffer Staples, Minn. St. John Vianney Col. Smnry. St. Paul, Minn.
Kayla Sis St. Cloud, Minn. College of St. Catherine St. Paul, Minn.
Rebecca Snyder Eden Prairie, Minn. St. Mary’s University Winona, Minn.
Megan Solheid Farmington, Minn. College of St. Benedict St. Joseph, Minn.
Thomas Spaniol St. Joseph, Minn. College of St. Scholastica Duluth, Minn.
Shauna Speedling Kellogg, Minn. Winona State University Winona, Minn.
Ashley Splonskowski Madison, Minn. University of Minn. Morris, Minn.
Daniel Spors Bellingham, Minn. Carlson Schl. of Mgmt. Minneapolis, Minn.
Kelsey Stang Cold Spring, Minn. St. Cloud State University St. Cloud, Minn.
Joshua Steffens St. Michael, Minn. S.E. Lineman Trng. Center Trenton, Ga.
Nicole Steffens St. Michael, Minn. St. Cloud State University St. Cloud, Minn.
Andrew Stenzel Rochester, Minn. Winona State University Winona, Minn.
James Stevens Appleton, Wis. University of Wis. River Falls, Wis.
Liza Strate Bemidji, Minn. Bemidji State University Bemidji, Minn.
Michaela Strate Bemidji, Minn. N.W. Technical College Bemidji, Minn.
Travis Strehlow Clear Lake, Minn. Simpson College Indianola, Iowa
Molly Stuhr Wabasha, Minn. Winona State University Winona, Minn.
Annette Suckow Appleton, Minn. Univ. of South Dakota Vermillion, S.D.
Dane Swartz Willmar, Minn. N.D. State University Fargo, N.D.
Joseph Swedzinski Milroy, Minn. S.D. State University Brookings, S.D.
Megan Theobald Stacyville, Iowa University of N. Iowa Cedar Falls, Iowa
Stacy Thielen Melrose, Minn. College of St. Benedict St. Joseph, Minn.
news@catholicaid.org
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Nathan Thole St. Cloud, Minn. St. Cloud Tech.College St. Cloud, Minn.
Ryan Thomas Corcoran, Minn. Thomas Aquinas Santa Paula, Calif.
Daniel Toenyan Freeport, Minn. St. Cloud State University St. Cloud, Minn.
Deanna Tomsche St. Joseph, Minn. CO. Christian University Lakewood, Colo.
Kaitlin Tschanz Rice Lake, Wisc. University of Wis. Platteville, Wis.
Emily Undesser Olivia, Minn. MN State University Moorhead, Minn.
Tina Uphoff Albany, Minn. N.D. State University Fargo, N.D.
Vicki Utsch Albany, Minn. Ridgewater College Willmar, Minn.
Tony Valek Belle Plaine, Minn. Augsburg College Minneapolis, Minn.
Susan VanHavermaet Blaine, Minn. St. Cloud State University St. Cloud, Minn.
Timothy VanHavermaet Blaine, Minn. St. Cloud State University St. Cloud, Minn.
Jacquelin Vannurden Hanover, Minn. New York University New York, N.Y.
Reid VavRosky Pine City, Minn. MN State University Moorhead, Minn.
Bethany Vetsch Albertville, Minn. Anoka-Ramsey Cmnty. Col. Anoka, Minn.
Juliana Vievering Lakeville, Minn. College of St. Benedict St. Joseph, Minn.
Lucas Vossen Cold Spring, Minn. St. Cloud State University St. Cloud, Minn.
Michelle Wagner St. Cloud, Minn. Concordia College Moorhead, Minn.
Peter Wallrich St. Paul, Minn. University of St. Thomas St. Paul, Minn.
James Walser New Ulm, Minn. So. Cntrl. Tech. Col. North Mankato, Minn.
Gabriel Walz Cold Spring, Minn. University of St. Thomas St. Paul, Minn.
Nathan Walz Cold Spring, Minn. St. John’s University Collegeville, Minn.
Sarah Ward Inver Grove Htgts, Minn. Viterbo University LaCrosse, Wis.
Ashley Wehlage Melrose, Minn. St. Cloud State University St. Cloud, Minn.
Anthony Weingartz Mankato, Minn. Victoria University Melbourne Victoria, AUS
Bradley Weinzierl Waconia, Minn. Hennepin Tech. College Eden Prairie, Minn.
Lisa Weis Osage, Iowa N. IA. Area Cmnty. Coll. Mason City, Iowa
Warren Weismann Riceville, Iowa Riverland Cmnty. College Austin, Minn.
Mitchell Wenum Albert Lea, Minn. Iowa State University Ames, Iowa
Stephen Whalen Oklee, Minn. University of MN Crookston, Minn.
Nathan Wiechman Freeport, Minn. St. John’s University Collegeville, Minn.
Jordan Willette Pine City, Minn. Hibbing Cmnty. College Hibbing, Minn.
Robert Winter St. Cloud, Minn. St. Cloud State University St. Cloud, Minn.
Robyn Woeste Sauk Centre, Minn. Aveda Institute Minneapolis, Minn.
Jessica Wold Belgrade, Minn. Itasca Cmnty.College Itasca, Minn.
Aubrey Wren Waverly, Minn. Rasmussen College Mankato, Minn.
Anna Wysocki Bancroff, Wis. Marquette University Milwaukee, Wis.
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Kevin Young Avon, Minn. N.D. State University Fargo, N.D.
Kevin Zabel Howard Lake, Minn. University of St. Thomas St. Paul, Minn.
Sara Zipp Green Bay, Wis. University of WI-Madison Madison, Wis.
Lucas Zollner New Ulm, Minn. St. Cloud State University St. Cloud, Minn.
Stacy Zwart Minnetonka, Minn. Normandale Cmnty. Coll. Bloomington, Minn.
Unpictured Scholarship winners The following scholarship winners did not submit photos. Erica Anderson Eagan, Minn. Abigail Arnold St. Cloud, Minn. Aaron Auch Lesterville, S.D. Nicole Barten Mankato, Minn. David Beal Maple Plain, Minn. Kari Bertram Cold Spring, Minn. Travis Bettcher Dubuque, Iowa Kristin Bjornstad Red Wing, Minn. David Blissenbach Hastings, Minn. Charles Boser Pierz, Minn. Jedidiah Bowen Lake Elmo, Minn. Elizabeth Brandl Comfrey, Minn. Jessica Breitbach Elrosa, Minn. Jennifer Britz Andover, Minn. Alexandra Brown Hampton, Minn. Bethany Burggraff Upsala, Minn. Peter Burkhardt Hinckley, Minn. Nicole Carrels Wabasha, Minn. Joshua Caven Amboy, Minn. Taylor Christian Richfield, Minn. Adam Clemen Appleton, Minn. Amy Coyour Appleton, Minn.
Christopher Dingman St. Cloud, Minn. Thomas Emmer III Delano, Minn. Anna Engler Dent, Minn. Shaylyn Engler Dent, Minn. Andrew Farniok Delano, Minn. Laura Franz East Bethel, Minn. Morgan Gallus Delano, Minn. Angela Gerlach New Brighton, Minn. Benjamin Goodrich Apple Valley, Minn. Evan Grandstrand Stephen, Minn. Jacob Grandstrand Stephen, Minn. Trent Graves Grey Eagle, Minn. Kathleen Gubash Woodbury, Minn. Lucas Haag Eden Valley, Minn. Victoria Hafner Lake Elmo, Minn. Eric Haiar Sioux Falls, S.D Stephanie Hammon Andover, Minn. Ashley Hansen Brookings, S.D. Ashley Harrington Albertville, Minn. Megan Harstad Nassau, Minn. Holly Hassler Minot, N.D. Amanda Heinen Richmond, Minn.
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Caitlin Hicks Yankton, S.D. Megan Hoffmann New Ulm, Minn. Bethany Holm Riverdale, N.D. Alison Hougen Bemidji, Minn. Jeremy Jackan Bruce, Wis. Michael Jacobs Buffalo, Minn. Maria Justen Rogers, Minn. Michelle Justen Rogers, Minn. Walter Kaluza Minneapolis, Minn. Jennifer Kanne Waterville, Minn. Katlyn Kemper Melrose, Minn. Kayla Kemper Melrose, Minn. Aimee Kneip Cold Spring, Minn. Ryan Kocer Wagner, S.D. Daniel Korf Rochert, Minn. Levi Kuehn Cannon Falls, Minn. Samantha Langlie Dent, Minn. Schanna Lawinger Sauk Centre, Minn. Charles Lehnen St. Paul, Minn. Zachary Libra Hinckley, Minn. Rachel Limberg Burnsville, Minn. Seely Lo Eagan, Minn. Devin Lockbeam White Bear Lake, Minn.
Anthony Ludvigson Madison, Minn. Kate Mahlke Winona, Minn. Katie Malikowski Sauk Rapids, Minn. Miguel Mancilla Pelican Rapids, Minn. Kimberly Mattson Rapid City, S.D. Jada McCoy New Richmond, Wis. Kimberly McDonald Hastings, Minn. Brianna Meyer Sauk Centre, Minn. Jacob Meyer Sauk Centre, Minn. Stephanie Mueller Watkins, Minn. Anthony Muench Bird Island, Minn. Benjamin Neisen Burnsville, Minn. Stephen Nienaber Burtrum, Minn. Susan Nytes New Prague, Minn. Ashley Oeffling Loretto, Minn. Bradley Ostendorf Melrose, Minn. Neil Palmersheim St. Cloud, Minn. Holly Pexa Ramsey, Minn. Adam Pickar Brainerd, Minn. Todd Pickar Brainerd, Minn. Amanda Plaetz Wabasso, Minn. Rebecca Popp Hanover, Minn.
Megan Rajewsky Delano, Minn. Michael Rajewsky Delano, Minn. Paul Ratigan Lander, Wyo. Tara Reade Yankton, S.D. Jessica Reineke Clear Lake, Minn. Meghan Reineke Willmar, Minn. Daniel Reinke Forest Lake, Minn. Bridget Rewitzer New Ulm, Minn. Maureen Reynolds Brooklyn Park, Minn. Patrick Rients Lakefield, Minn. Ryan Rolfs Utica, S.D. Angela Rosdahl Maple Plain, Minn. Katherine Rothstein Cold Spring, Minn. Joseph Rysavy North Aurora, Ill. Brittany Salonek Montrose, Minn. Tylor Schafer Highlands Ranch, Col. Blake Schmidt Burtrum, Minn. Andrew Schmitz Adams, Minn. Kara Schofield Eagan, Minn. Emily Schumacher Stickney, SD Mark Siegle Carver, Minn.
Monica Steiner River Falls, Wis. Scott Stenger Watkins, Minn. Christopher Stuckey Milbank, S.D. Mitchell Tetzloff Nicollet, Minn. Jordan Thieman Hinckley, Minn. Kiel Tschumperlin Watkins, Minn. Amanda Vance St. Michael, Minn. Kevin Vickerman Chaska, Minn. Dale Viktora Ellendale, Minn. Reese Wenner Cloquet, Minn. Mallory Wentzel Murdock, Minn. Megan Wentzel Murdock, Minn. Brendan Wesbur Belgrade, Minn. Ann Wieleuberg Holdingford, Minn. Andrea Wiese Verndale, Minn. Christie Wong Eagan, Minn. Benjamin Wutschke Osseo, Minn. Jennifer Young Onalaska, Wis.
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A letter to our members regarding Catholic Aid strength and security In light of the recent dramatic movements in the financial markets, we wanted to let you know that the Catholic Aid Association continues to be a strong and secure partner for our members’ financial needs. Our company has always followed a conservative investment philosophy. We do not own any shares of Lehman Brothers, Merrill Lynch, or A.I.G. (American International Group), which have all been in the headlines lately. In fact, less than 1% of our assets are invested in stocks and those are entirely in professionally managed, conservative mutual funds. Our portfolio of bonds, which comprises over 85% of our invested assets, has always been cautiously and conservatively managed in our members’ best interests. Our investment policy requires us to invest only in bonds rated “investment grade”; we have never sought, and never will seek, the potentially higher returns provided by lesser credit quality (sometimes referred to as “junk bonds”). And while CAA does have a number of mortgages in its investment portfolio, all are strictly and individually underwritten and of the highest quality. None are remotely “sub-prime.” We and our independent auditors both believe that our mortgages represent good investments for our company as well as for the borrowers. The bottom line is, despite all the turmoil in the financial markets lately, our capital base is largely unchanged from the beginning of the year. Catholic Aid Association has always been very conservatively managed in order to provide our members with the security they deserve, particularly in difficult economic times such as these. If you, or anyone, has any concerns whatsoever, please feel free to call President Michael McGovern or Senior Vice President Dennis Olson in the Home Office at 651-490-0170, for more information. Thank you for your continued confidence. Fraternally,
Michael F. McGovern President and Chairman of the Board
Dennis L. Olson Senior Vice President and Secretary/Treasurer
To learn more about the Catholic Aid Association, call 1-800-568-6670 or go to www.catholicaid.org.
Catholic Aid Association 3499 Lexington Ave. N. St. Paul, MN 55126-8098