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Published By Lori Young Advertising & News
Harvey Mackay
The Hometown News is a free weekly publication, which is published and distributed every Thursday. Free Distribution In:
Rosa Sauk Centre Swanville Upsala
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Ronald Reagan was 69 years old when he ran for U.S. President in 1980. Despite continual criticism, he won the election and never passed up an opportunity to use humor when referring to his age. Perhaps the most memorable time was when he was running for re-election four years later. During a televised debate between Reagan and Walter Mondale in 1984, Reagan was asked if he was too old to serve another term. Reagan was prepared and responded in such a way as to quiet his critics. “I’m not going to inject the issue of age into this campaign,” Reagan began. “I’m not going to exploit for political gain my opponent’s youth and inexperience.”
Age is strictly a case of mind over matter. If you don’t mind, it doesn’t matter.
As I get ready to celebrate yet another birthday, I think about the multitude of lessons that have not only shaped my personal life but have also been integral to my professional journey. Probably the most important one of all: You don’t regret most of the things you did, rather you regret the things that you didn’t do.
Let me share some of my observations. Adaptability is essential. Life and business are ever-changing and being adaptable is crucial to staying relevant and successful. Embracing change rather than resisting it has allowed me to grow and thrive in various circumstances. Stay flexible.
Relationships are priceless. The value of
FRIDAY, OCTOBER 18
building and maintaining strong relationships cannot be overstated. Whether it’s with family, friends, colleagues or clients, investing in relationships pays dividends in countless ways. People do business with those they know, like and trust.
Be in school for a lifetime. No matter how much you think you know, there is always more to learn. The business landscape is always changing. Staying relevant requires ongoing education. Being curious and open to new knowledge keeps you engaged and sharp. Integrity matters. Honesty and integrity are the cornerstones of trust, and trust is the foundation of all lasting relationships, both personally and professionally. Always strive to be truthful and honorable in your dealings. Your reputation is your most valuable asset.
Listening is a superpower. Good communication is not just about speaking well – it’s about listening even better. You can learn more from listening than you can from talking.
Health is wealth. Taking care of your physical and mental health is crucial. As you age, you realize that without health, nothing else is as enjoyable or even possible.
Humor is a lifeline. A good sense of humor can get you through tough times. It is important to take your work seriously, but not yourself.
Giving back. The importance of giving back to the community and helping others cannot be overstated. It is one of the most rewarding aspects of success.
Don’t be afraid to take a risk. Taking risks is an essential part of growth and success. If you win, you will be happy. If you lose, you will be wise. By stepping out of your comfort zone, you open yourself up to new opportunities and experiences that can lead to personal and professional growth.
The power of persistence. Success rarely
comes overnight. It often requires sustained effort and resilience in the face of setbacks. Stay persistent and don't give up easily. Learn from failures and keep pushing forward. Persistence often separates the successful from the unsuccessful.
Let go of worry. Worry is the most unproductive of all human activities. People get so busy worrying about yesterday or tomorrow; they forget about today. And today is what you have to work with.
Manage your time well. Time is a remarkable gift. You can’t work all the time, and you can’t play all the time. Try to strike a balance that includes work, volunteering, leisure and sleep. You can’t face life’s challenges if you don’t take time to recharge your batteries.
Be unapologetically yourself. There is only one you. Take time to think about what you truly believe in and what you want others to see. People will respect you for not compromising your principles, and they will know they can depend on you to be honest with them.
In business, the lessons you learn over time are your most valuable assets. They shape your decisions, guide your actions and ultimately determine your success. Embrace these lessons and let them steer you towards a prosperous future.
Mackay’s Moral: The more candles on my birthday cake, the more I have to reflect on the icing of life’s lessons.
Reprinted with permission from nationally syndicated columnist Harvey Mackay, author of the New York Times #1 bestseller “Swim With The Sharks Without Being Eaten Alive,” “We Got Fired!...And It’s the Best Thing That Ever Happened to Us,” “The Mackay MBA of Selling in the Real World,” and “Use Your Head To Get Your Foot In The Door.”
• Melrose American Legion Fish Fry from 4:30-8 p.m. See ad on page 3.
SUNDAY, OCTOBER 20
• Potato Pancake & Sausage Supper from 3-7 p.m. at St. John's Church, Meire Grove.
TUESDAY, OCTOBER 22
• Red Cross Bloodmobile from 12-6 p.m. at the Avon Community Church.
WEDNESDAY, OCTOBER 23
• Grey Eagle Senior Center Monthly Meeting & Halloween Party at 4 p.m. with potluck & Bingo to follow.
SATURDAY, OCTOBER 26
• Women's Luncheon & Speaker at 11:30 a.m. at the Community Country Church, Holdingford.
• Long Prairie Chamber Orchestra Celebrates 50 Years Old Friends & Familiar Faces at 2 p.m. at the Long Prairie-Grey Eagle Secondary School. See ad on page 8.
• Lori Austing ALS Benefit from 4-9 p.m. at the Freeport Community Center.
SUNDAY, OCTOBER 27
• 3rd Annual Fall Breakfast from 8:30 a.m.-12:30 p.m. at Melrose American Legion. See ad on page 3.
• Sweetwater Revival at 10:15 a.m. at the Community Covenant Church, Upsala.
• Sauk River Champions Fall Festival Dance from 1-3 p.m. at the Sauk Centre Legion Club. See ad on page 6.
• Bingo at 5:30 p.m. at St. Mary's Church, Melrose.
WEDNESAY, OCTOBER 30
• Community Meal at 5:30 p.m. at the Upsala Community Center.
• Sauk Centre Area Combined Fund Drive Meeting at 5:30 p.m. at MN National Bank, Sauk Centre.
SATURDAY, NOVEMBER 2
• Our Savior’s Women’s Group Craft Sale from 9 a.m.-2 p.m. at Our Savior’s Lutheran Church, Albany.
WEDNESDAY, NOVEMBER 6
• Folk & Old-Time Music & Potluck from 1-3 p.m. at the Village View Apartments, Grey Eagle.
ALBANY SENIORS
• Meets 1st Tuesday of the month at 1:30 p.m. at the Albany Community Center.
ALBANY TOWNSHIP
• Meets the 4th Monday of the month at 7:30 p.m. at the Albany City Hall.
• Planning Commission meets the 2nd Tuesday of the month at 7:30 p.m. at the Albany City Hall.
BURNHAMVILLE TOWNSHIP
• Meets the last Tuesday of the month at 7 p.m. at the Burtrum City Hall.
BURTRUM CITY COUNCIL
• Meets the 1st Tuesday of the month at 7 p.m.
FEET FIRST CLINIC
• Meets the 1st Tuesday of the month from 9 a.m.-12 p.m. at Holdingford City Hall.
FOOD DISTRIBUTION
• Ruby’s Pantry Food Distribution 1st Saturday of the Month from 10-11 a.m. at River of Live Church, Sauk Centre.
FREEPORT CITY COUNCIL
• Meets the last Tuesday of the month at 7 p.m.
FREEPORT SENIOR MEETING
• Meets the 3rd Thursday of the month at 1:30 p.m. with cards/Bingo/coffee/dessert.
GREY EAGLE CITY COUNCIL
• Meets the 2nd Tuesday of the month at 7 p.m. GREY EAGLE TOWNSHIP
• Meets the 1st Monday of the month at 8 p.m.
MELROSE TOWNSHIP
• Meets the 1st Thursday of the month at 7 p.m. at the town hall.
MELROSE VFW #7050 POST/AUX.
• Meets the 1st Tuesday of the month at 7 p.m. at the Melrose American Legion Clubrooms.
MELROSE LEGION #101 POST/AUX.
• Meets the 2nd Tuesday of the month at 7 p.m. at the Melrose American Legion. (Aux. Sept.-May.)
STEARNS CO. HORTICULTURAL SOCIETY
• Meets the 2nd Monday of the month at 7 p.m. at Our Savior’s Lutheran Church, Albany SUNSHINE CLUB
• Meets every Monday, weigh in starts at 8; meeting at 8:30 a.m. at the Village View Apartments, Grey Eagle.
ST. ROSA CITY COUNCIL
• Meets the 3rd Monday of the month at 7 p.m. at the Community Park building.
SWANVILLE CITY COUNCIL
• 1st Tuesday after the 1st Monday of the month at 7 p.m.
SWANVILLE TOWNSHIP
• Meets the 2nd Tuesday of the month at 8:30 p.m. at the Swanville Fire Hall.
UPSALA CITY COUNCIL
• Meets the first Monday of the month at 7 p.m.
As our age increases, we often have more trouble understanding the world around us. Not only are we sometimes confused by the new technology changes, but it seems that our physical safety is at risk in any location, especially in larger metropolitan areas, which we are now likely to avoid.
One thing that may be part of the uncomfortable feeling is that news coverage today is doing their best to inform us of every interesting thing happening in the Twin City Metropolitan Area. News in the past was more centered around our local area and as a result, more news time was spent informing us of a church bazaar than a multiple shooting down in Minneapolis. Are there more murders now than there were in years past? Is it important for us to get all of the details of a crime a hundred miles away?
The laws have changed and occurrences half a century ago, which were considered normal and OK, may be unlawful today. An example would be firearms on school property.
Years ago, when we got a new gun, you'd take it on the bus and bring it to school to show your buddies. Teachers would put their shotguns in the boys shower room after the morning duck hunt. A comparison today would be parking your pickup in the school parking lot with your shotgun locked in the back seat. Someone inspected the lot, saw your shotgun, reported it to school officials, who reported it to the police and you would be kicked out of school for a week. Hmm...You decide.
Another change is our ability to access hundreds of movies in our living rooms any day of the week. When we go through the process of selecting a movie, there is a short description of what the movie is about. Many of them are stories about someone that does a revenge act against the persons that either killed or kidnapped their wife or daughter. They do many unlawful acts to the bad guys and when they have killed the bad guys the movie ends and everyone is happy everafter. Somehow the main character is never charged for his crimes to the bad guys, since his actions are justified by the original acts of the bad guys. Young minds are influenced by these movies. The difference seems to be that someone disrespecting another party has become grounds for retribution. There is also a need to use a fully automatic rifle, with at least two long clips of ammunition to solve the problem. In the real world, those bullets scattered over the entire area do hit innocent
Have you ever been misunderstood? I am sorry to say that I have, on more occasions than I can recall. I had a little girl in a church I pastored, that had a bunch of stickers she was putting on a picture. She put a tie on a duck, gave it to her mother and said “this is a pastor duck. His name is Pastor Bruce.” The mother asked, “Is he a pastor duck because he is wearing a tie?" The little girl said, “Yes, can you give it to him?” In the same town, shortly after we moved there, one store owner told my daughter who worked for him, “I think I saw your dad, but he didn’t look like a pastor.”
I guess I can be a pastor if I wear a tie (haha,) while others need more convincing. My question today would be, what makes you a believer in Jesus Christ? Is it something you wear, or don’t wear, or are there distinctive characteristics that will say…” I am a Christian, or a believer in Jesus Christ? I am just going to name one thing found in 1 John that describes someone who is a believer in the Son of God.
One way to tell is “We know that we are Christian because we walk in the light" (1 John 1:4-7). Matthew 5:16 says something very similar, “In the same way, let your light shine before men, that they may see your good deeds and praise your Father in Heaven.” Ephesians 5:8-10 explains what this light is… “For you
were once darkness, but now you are light in the Lord. Live as children of light (for the fruit of the light consists in all goodness, righteousness and truth) and find out what pleases the Lord.”
There you have it… whether you wear a tie or not… or maybe you don’t “look” like a Christian. But are you pursuing Jesus and all His goodness, righteousness and truth?
-Pastor Bruce Miller from Swanville Bible Church, 320-547-2916
bystanders and sometimes the shooter is held responsible.
Even though the news media has caused us to again be scared by their reports, the actual murder rate per 100,000 population has, on average, not increased or decreased a great deal from 1960 to 2010. Most of the murder reports originate from north and south Minneapolis, so we non-metro citizens totally avoid the area. I have heard many stories of people getting their health care in larger
I
Thank
central Minnesota Hospitals, rather than going to "the cities".
Somehow we feel that the high crime area is like a foreign country. We just can't understand how they think.
For feedback or story ideas, email Tom at kuehneins@gmail.com.
If you need help with Health or Life Insurance or for Senior Health Solutions Contact: Tom Kuehne 320-360-0343
Marlene Reller
Glenn D. Domine
Glenn D. Domine, age 90 of Sauk Centre, passed away peacefully, surrounded by his family on Sunday, October 13, 2024 at the St. Cloud Hospital in St. Cloud, Minnesota. Visitation will be from 4 to 7 p.m. Sunday, October 20 at the Patton-Schad Funeral Home in Sauk Centre. A private graveside service will be held at a later date.
Glenn Dale Domine was born March 29, 1934 in Beaver Falls Township, Renville County, Minnesota to Paul and Grace (Schablin) Domine. His family moved to Dearborn, Michigan when Glenn was in the fifth grade and Glenn graduated from Fordson High School in 1952. On July 9, 1955 he was united in marriage to Barbara Hughes at First Methodist Church in Dearborn. Glenn worked as a printer for Ravenna Printing and then moved to Sauk Centre in 1969. He became the managing editor for the Sauk Centre Herald and retired in 1999.
He was the past president of the Centre Racing Association and a long-time member of the Country Cruisers Car Club. Glenn’s main hobby was his cars, but he also enjoyed going to races, car shows, woodworking, and making an occasional trip to the casino. He made many floats for the Sauk Centre parade and drove his car in over 50 parades.
Survivors include his loving wife of 69 years, Barbara Domine of Sauk Centre; two sons, Steve (Patty) Domine of St. Cloud and David Domine of St. Joseph; four grandchildren, Brian (Leah), Sarah (Ryan), Courtney (Justin), and Cameron (Amber); nine great-grandchildren, Ava, Bennett, Jackson, Faye, Lily, Maddox, Harper, Kendall, and Karter; brothers, Roger, Donald (Mary), and Robert (Mary); and sister, Deborah.
Glenn was preceded in death by his daughter, Lori Domine; sister, Patricia; and daughter-in-law, June on May 5, 2023.
Arrangements were made with PattonSchad Funeral and Cremation Services of Sauk Centre.
B. Bussmann David F. Schoenborn
Mark B. Bussmann, age 60 of Melrose, passed away surrounded by his family on Thursday, October 17, 2024 at the St. Cloud Hospital in St. Cloud, Minnesota.
A Memorial Mass of Christian Burial will be held at 12 p.m. Saturday, October 26 at St. Mary’s Catholic Church in Melrose with Rev. Mitchell Bechtold officiating. Inurnment will be in the parish cemetery Visitation will be from 11 a.m. to 12 p.m. Saturday at the church.
Mark Bernard Bussmann was born November 27, 1963 in Melrose, Minnesota to Edward “Eddie” and Darlene (Douvier) Bussmann. He graduated from Melrose High School in 1983. Mark drove truck for Arnzen Trucking, Mark Bussmann Trucking, and Famo Feeds. He was a member of St. Mary’s Catholic Church in Melrose. Mark enjoyed fishing, hunting, taking an occasional trip to the casino, and spending time with family and friends.
Survivors include his children, Michael and Ashley; mother, Darlene Bussmann of Melrose; sister, Sandy (Randy) Stangler of Rogers; brothers, Scott (Andrea) Bussmann of Melrose, Brian (Kathy) Bussmann of Grey Eagle, and Todd (Stephanie) Bussmann of Grey Eagle; nieces and nephews, Amanda (Kyle) Biddle, Drew (Maria) Stangler, Tyler (Brianna) Bussmann, Samuel Bussmann, Ella (James) Dempsey, and Payten Bussmann; great nieces and great nephews, Brayden and Harper Biddle, Emmitt, Trey, and Callie Stangler; and many aunts, uncles, and cousins.
Mark was preceded in death by his father, Eddie Bussmann in 2023; brother, Jeffrey Bussmann in 1973; grandparents, Ben and Elizabeth Bussmann and Herbert and Regina Douvier. Arrangements were made with Patton-Schad Funeral and Cremation Services of Melrose.
David F. Schoenborn, age 83 of Spring Hill, passed away surrounded by his family on Friday, October 11, 2024 at Cura Care Center of Melrose in Melrose, Minnesota.
A private memorial service will be held in November after harvest is done, just as David would have wanted it.
David Frank Schoenborn was born September 9, 1941 in St. Cloud, Minnesota to Louis and Mary (Schulzetenberg) Schoenborn. He grew up in rural Spring Hill and graduated from Melrose High School in 1958. David was a farmer his entire life and owner of Spring Water Acres in Spring Hill. He was a member of St. Michael’s Catholic Church in Spring Hill. David was a Spring Hill Township Supervisor for many years, and he was on the FSA County Committee from 1997 to 2009.
He loved his family and friends, but most of all, he enjoyed farming.
Survivors include his sisters-in-law, Bernice Schoenborn of St. Cloud and Lidwina Schoenborn of Corcoran; brother-in-law, Alcuin Illies of St. Cloud; many nieces, nephews, grandnieces and grandnephews; and lifelong farming partners and friends, Tom and Dustin Frieler.
David was preceded in death by his parents, Louis and Mary Schoenborn; brothers and sisters, Norbert Schoenborn, Hildegard Schmiesing, Arthur Schoenborn, Rosemary Schoenborn, Dorine Illies, and Jerome Schoenborn.
Arrangements were made with PattonSchad Funeral and Cremation Services of Melrose.
Lawrence
“Larry” Gregory McDonald was born on January 28, 1956, in Hutchinson, Minnesota. He was the son of Earl and Loretta (Rauschendorfer) McDonald. Larry was baptized as an infant and later confirmed in his faith as a youth, both at St. Anastasia Catholic Church in Hutchinson. He received his education in Hutchinson and was a graduate of the Hutchinson High School class of 1974.
Larry was self-employed in construction.
Larry had three children: Benjamin, Gregory, and Tia.
Larry enjoyed the outdoors, fishing, hunting, camping, RVing and traveled to many different countries. He especially enjoyed spending time with his family and friends.
Mary J. Brickweg-Kerfeld, 65, of Sauk Centre, passed away peacefully surrounded by her family on Sunday, October 13 at Alomere Health in Alexandria, Minnesota. A Celebration of Life will be held at 12 p.m. Friday, October 18 at River of Life Church in Sauk Centre. Visitation will be from 10 to 11:45 a.m. Friday at the church in Sauk Centre.
Mary Joan Brickweg was born February 19, 1959 in Melrose, Minnesota to Frank and Jeanette (Hoeschen) Brickweg. She graduated from Melrose High School in 1977. Mary married Kevin Bruggeman on September 10, 1977 and welcomed son Jason and daughter Jody into their family. They later divorced. Mary married Kevin Kerfeld on July 10, 1999 and they enjoyed many loving years together until Kevin’s passing in 2012. Mary was employed at Sauk Centre Fleet Supply for the last 25 years.
Mary was a loving mom, grandmother, sister, aunt, and friend to many. She enjoyed live music, time at the lake, car races, canning, crafting, but most of all, spending time with her grandchildren. Her presence and smile will be deeply missed by many.
Survivors include her children, Jason Bruggeman of Thief River Falls and Jody Bruggeman of Sauk Centre; grandchildren, Jerome Boecker III and Jett Bruggeman; stepchildren, Eric Kerfeld, Heather Kerfeld, Andrew Kerfeld; sister-in-law, Joni Brickweg; brothers and sisters, Bob (Lynelle) Brickweg, Sharon Brickweg, Amy (Dave) Schneider, Pat Molitor, and Paul (Diane) Brickweg.
She was preceded in death by her husband, Kevin Kerfeld on November 19, 2012; parents, Frank and Jeanette Brickweg; infant brother, Kenneth Brickweg; and brothers, Jim and Roger Brickweg.
Arrangements were made with PattonSchad Funeral and Cremation Services of Sauk Centre.
Larry passed away on Sunday, September 29, 2024, at Sleepy Eye Medical Center in Sleepy Eye, Minnesota, at the age of 68 years, from natural causes.
Larry is survived by his daughter, Tia McDonald of Edgewater, FL; son, Gregory “Micky” McDonald of Edgewater, FL; siblings, Linda Collins and her husband, Roger of Colorado Springs, CO, Robert “Bob” McDonald and his wife, Jean of Melrose, MN, Tom McDonald and his wife, Linda of Redwood Falls, MN; many nieces, nephews, other relatives and friends.
Larry is preceded in death by his Parents, Earl and Loretta McDonald; son, Benjamin McDonald; and brother, Darrel (Glenda) McDonald.
Arrangements by the Dobratz-Hantge Funeral Chapel in Hutchinson.
Leo Clement Eveslage, age 91 passed away peacefully on Friday, October 11th, 2024, at the Mother of Mercy Nursing Home in Albany, MN. Mass of Christian Burial will be 11:00 a.m. Saturday, October 19th, 2024, at St. Rose of Lima Catholic Church in St. Rosa, MN. Visitation will be Saturday from 9:30 a.m. to 11:00 a.m at the Church.
Leo Clement Eveslage was born March 15, 1933, in St. Augusta, MN to Ferdinand and Loretta (Storkamp) Eveslage. Leo served in the U.S Army from 1956-1958. Leo was united in marriage to Gracie Herzog on October 21, 1958, at the St. Rose of Lima Catholic Church in St. Rosa, MN. Leo and Gracie moved to the family farm in 1960 where they farmed for 22 years. Leo also worked for Joe’s Trucking, Albany, MN from 1976-1990, he then worked for Kane Transport, Sauk Centre, MN from 1990-1992. Leo and Gracie retired from the farm in 1982 moving to Big Birch Lake. He enjoyed being around family and grandchildren. Leo enjoyed talking about his past experiences and life’s adventures. He appreciated getting out in his van and seeing the crops any chance he could get.
Leo is survived by his children, Greg Eveslage (Karen) of Melrose, MN; Karen Harrison (Damon) of St. Martin, MN; daughterin-law Brenda Eveslage of St. Joseph, MN; Pam Herdering (Steve) of Sauk Centre, MN; Peggy Marthaler (Joe) of Sartell, MN and his 14 grandchildren and 17 great grandchildren; siblings Carol (Tony) Niehaus, John Eveslage and Kathy Eveslage and many nieces and nephews.
He was preceded in death by his parents; wife, Gracie of 28 years; son, Thomas; and grandson, Joshua and siblings, Bernadette, Elaine, Mary and Melvin and in-laws that passed before him.
Alvin Francis Wielenberg, age 89 of Grey Eagle, passed away on Monda, October 14, 2024 at the Veterans Affairs Medical Center in Saint Cloud, Minnesota.
A Mass of Christian Burial will be held at 11 a.m. Saturday, October 19 at Saint Joseph's Catholic Church in Grey Eagle with Father Joseph Herzing officiating. Interment will be in the parish cemetery with military honors by the Melrose Veterans Honor Guard.
Visitation will be held from 4 to 7 p.m. Friday at the Patton-Schad Funeral Home in Melrose and from 10 to 10:45 a.m. Saturday at Saint Joseph's Catholic Church in Grey Eagle. Parish prayers will be held at 6:30 p.m. Friday evening at the funeral home.
Alvin Francis Wielenberg was born May 25, 1935 in Melrose, Minnesota to Henry and Alvina Wielenberg. Alvin grew up farming until age 19 when he joined the Army in 1954. He served overseas in Germany in the 11th Airborne division. He was united in marriage to Jacqueline Hill on July 2, 1960 at Saint Francis Catholic Church in Saint Francis, Minnesota. Alvin worked as an electronics technician until retirement in 2000. He built a beautiful home on Big Swan Lake, Grey Eagle where he and Jackie lived out their retirement. He was an avid outdoorsman and loved to tinker around in his shop. He enjoyed building things and he could fix anything.
Survivors include his loving wife of 64 years, Jackie Wielenberg of Grey Eagle; children, Jim (Jan) of Mobile, Alabama, Cindy of Roseville, Mike (Kim) of Roseville, and Sue of Roseville; 12 grandchildren and 11 greatgrandchildren.
Alvin was preceded in death by his parents; sister, Hilda Barthel; and brothers, Hermie, Norbert, and baby boy.
Arrangements were made with PattonSchad Funeral and Cremation Services of Melrose.
A Special concert with Sweetwater Revival will be held at the Community Covenant Church in Upsala on October 27 at 10:15 a.m. Sweetwater Revival has been in the Music Ministry for almost 20 years. They are a Ten Time Nominee for “Female Group of the
Year,” have been featured on Gospel Music Television, and are currently played on Radio Stations Nationwide! Please join us at this special event so your hearts may be encouraged as they share the life changing message of Jesus Christ through their music & ministry.
Sudoku is one of the most popular puzzle games of all time. The goal of Sudoku is to fill a 9×9 grid with numbers so that each row, column and 3×3 section contain all of the digits between 1 and 9. As a logic puzzle, Sudoku is also an excellent brain game.
Dear Dave, I just finished paying off all my consumer debt in Baby Step 2. It took a long time, but I finally did it. Now, it’s time to grow my $1,000 beginner emergency fund to a full-funded emergency fund. I’ve been working on this for a while, and I’m glad I’m doing it. But I was wondering at what point can you spend, and have a little fun, when you’re following the Baby Steps plan.
-Mark
Dear Mark,
Congratulations, buddy! The first couple of steps can be the hardest. I’m really proud of you for sticking with it and making it happen.
I recommend completing the first three Baby Steps before you start thinking about spending money on fun stuff. In my mind, that positions you on pretty solid ground, financially speaking. So, at that point it’s okay to have a little fun going on a vacation or buying something—reasonably priced, of course—that you’ve had your eye on.
Like you said, Baby Step 1 is saving $1,000 for a starter emergency fund. Baby Step 2 is where you pay off all debt—except your home—using the debt snowball method. In Baby Step 3, you go back and fully fund your emergency fund with enough cash to
cover three to six months of expenses.
But don’t have so much fun that you forget about the other Baby Steps. Baby Step 4 means putting 15 percent of your income into pre-tax retirement plans, like mutual funds and Roth IRAs. Don’t neglect saving for college if you have kids. That’s Baby Step 5. And Baby Steps 6 and 7 are paying off the house early and building wealth and being outrageously generous. Live like no one else, so that later you can live and give like no one else.
Everyone likes having fun. And there’s nothing wrong with spending some cash if you can afford it. I just want people to make sure they have their finances in order first. Remember, there are only three things you can do with money. You can spend it, save it and you can give it away. Following my plan will allow you to do all three without putting yourself in a financial bind.
Keep up the good work!
From the Hosts of the Under The Hood radio show.
Dear Motor Medics,
I have a 1960 Ford F100, and I live in Arizona where the weather is usually great in the winter and most people would never store a vehicle during those months. However, I go north in the winter to Canada to spend time with my family from November to March. This sounds crazy, leaving warm Arizona to go north but with ten grandchildren I enjoy it more than the warm climate. My concern is with storing the F100 for those four months, do I need to think about doing anything to it for storage?
-Vic in Scottsdale, Arizona
-Dave
* Dave Ramsey is a seven-time #1 national best-selling author, personal finance expert, and host of The Ramsey Show, heard by more than 18 million listeners each week. He has appeared on Good Morning America, CBS This Morning, Today Show, Fox News, CNN, Fox Business, and many more. Since 1992, Dave has helped people regain control of their money, build wealth and enhance their lives. He also serves as CEO for Ramsey Solutions.
Dear Vic,
We get less calls from southern climates about storage, but we still have plenty of people who are active military or travelers who have the same concerns as you. We like to think about both driving and storage. With a vehicle that is driven very little it can be tough on them just as storage can be. We like to keep metal fuel tanks full to prevent rust and keep an additive like Stabil for fuel storage in every tank of gas to prevent varnish in the fuel system as well as control rust. As for the battery you will want to keep a battery maintainer plugged in at all times when the vehicle is sitting even while you are home. This will help extend its life. We recommend oil changes at least once a year to prevent cardboard oil filter rot too.
-Take care, the Motor Medics
Dear Motor Medics,
We were recently given a 1998 Honda Accord, and we want to make sure that it will last as long as possible. It only has 75k miles on it and we did get a used car inspection right after it was given to us and we were told it looks great except for a timing belt and the burnt transmission fluid. They said we should be good on the belt until 100k mile though. Do you recommend changing the fluid now or waiting?
- Brad in Austin, Texas
Dear Brad,
Let’s start with the transmission. It is normal for this year of Honda to have a darker color to the fluid soon after a flush. With that
said, if it has 75k and it has not been changed it is still time to change it. The car is 26 years old after all. As long as it shifts perfectly well a fluid change should be a good thing. As for the timing belt… Whatever shop told you it’s fine to go to 100k miles on a belt that is already 26 years old if it really has not been changed is giving you poor advice. Belts just do not last that long. In most cases belts like these should be changed much more often. If a belt breaks in most cars, the engine will be heavily damaged. We would change both the belt and the fluid.
-Take care, the Motor Medics For entertainment only. Always consult your local shop and follow all safety procedures before repairs. Come visit the Motor Medics® online at Underthehoodshow.com.
Mon., Oct. 21: Shepherd's pie, green beans, applesauce, bread.
Tues., Oct. 22: Taco meat, shredded cheese, lettuce, Spanish rice, black beans, tortilla chips.
Wed., Oct. 23: Baked chicken, O'Brien potatoes, carrots, bread.
Thurs., Oct. 24: Lasagna roll ups, broccoli, mandarin oranges, breadstick. Fri., Oct. 25: Cheeseburger, sweet potato fries, pears.
Pre-registration requested to dine daily. For more info. call 320-845-4070.
You Are Invited to the FALL FESTIVAL DANCE Sunday, October 27, 2024 1:00-3:00 PM at Sauk Centre Legion Club, Sauk Centre "DJ PETE"
Sponsored by: Sauk River Champion Lions Club
"Sauk River Champions Lions Club"
A Lions Club for Special Olympic Athletes and Persons with Intellectual Disabilities
Come Join the Fun with Your Friends Bring a Friend!
Email Minutes to htnews@icloud.com
Grey Eagle City • September 10, 2024
The regular meeting of the Grey Eagle City Council was called to order by Mayor Joseph Arnzen at 7:00 pm on the 10th day of September 2024 in Council Chambers. Council members present were Brad Johnson, Brian Hollenkamp & Roland Ahrendt. Council member Chris Browen was not present. Also in attendance were Dan Berscheid, Beth Ramacher and guest: Bryan Bye.
A motion was made by Brian Hollenkamp to approve the agenda. A second was made by Brad Johnson and upon vote, with all members voting in favor, motion carried.
A motion was made by Brad Johnson to approve the minutes of the August 14, 2024 meeting with the correction of the start time as 6:30 pm. A second was made by Roland Ahrendt and upon vote, with all members voting in favor, motion carried.
Bryan Bye, from Widseth, was present to present the Amendment to Owner-Engineer Agreement (Amendment #3) between the City of Grey Eagle and Widseth. Rural Development has pre-approved the amendment and the $26,487.78 will be paid for by them with grant funds. A motion was made by Brian Hollenkamp to approve Amendment #3. A second was made by Brad Johnson and upon vote, with all members voting in favor, motion carried.
Fire Chief, Dan Berscheid, was present to discuss the 2006 Chevy truck purchased from the DNR. Discussion was also held on an alternator for the 6x6 and fire department wages. More discussion to follow at the November meeting.
A motion was made by Brad Johnson to approve the building permit application for Luis Ledesma for extending the roof on the house. A second was made by Roland Ahrendt and upon vote, with all members voting in favor, motion carried.
Sealed bids received for the sander and Meyer snowplow were opened. A motion was made by Brad Johnson to approve the highest bids of $225.00 for the sander and $200.00 for the snowplow. A second was made by Roland Ahrendt and upon vote, with all members voting in favor, motion carried.
A labor only quote from Ellingson was reviewed to fix the generator at the west lift station. A motion was made by Brad Johnson to approve the quote. A second was made by Roland Ahrendt and upon vote, with all members voting in favor, motion carried.
Anderson Brothers provided a quote to pave the basketball court. The Council has decided to put this project on hold for the time being.
A motion was made by Brian Hollenkamp to approve PJ Signs to make two new signs at the ponds with dumping instructions/restrictions for $350.00. A second was made by Brad Johnson and upon vote, with all members voting in favor, motion carried.
Various maintenance items were discussed. The council would like to see the fire hydrants painted, the new dugout painted and the sign for the fishing pier put up.
MnDOT was recently in town to start initial conversations about the Highway 28 project, expected to take place in 2029.
The Sourcewell Match Funds application for FY 2024-2025 was discussed. The Council would like to get quotes for bleachers and picnic tables. More discussion to be held at an upcoming meeting.
The contract for Long Prairie Sanitation was briefly discussed, including the Blue Bag City Program.
The Council would like to review and possibly update the Past Due Utility Account Poli-
cy. More discussion to be held at an upcoming meeting.
A motion was made by Brian Hollenkamp to set the Truth in Taxation meeting for Tuesday, December 10, 2024 at 6:30 pm, in Council Chambers. A second was made by Brad Johnson and upon vote, with all members voting in favor, motion carried.
A motion was made by Brian Hollenkamp to approve Resolution 2024-22: Resolution Accepting $100.00 from Lisa and Dale Austing. A second was made by Brad Johnson and upon vote, with all members voting in favor, motion carried. The resolution is as follows:
RESOLUTION NO. 2024-22: A RESOLU-
TION ACCEPTING $100 DONATION FROM LISA & DALE AUSTING FOR THE GREY EAGLE FIRE DEPARTMENT
WHEREAS, money has been donated by Lisa & Dale Austing; and
WHEREAS, the City Council feels that the donation will benefit citizens of the area;
1. That the City Council of the City of Grey Eagle formally accepts the donation from Lisa & Dale Austing for the Fire Department.
2. That the City Clerk is authorized and directed to make the appropriate revenue and expenditure budget adjustments as needed to reflect this donation and its intended use.
Adopted by the Grey Eagle City Council this 10th day of September 2024.
A motion was made by Roland Ahrendt to approve Resolution 2024-23: Resolution Accepting $200.00 from Laura (Tuck) Mills. A second was made by Brad Johnson and upon vote, with all members voting in favor, motion carried. The resolution is as follows:
RESOLUTION NO. 2024-23: A RESOLUTION ACCEPTING $200 DONATION FROM LAURA (TUCK) MILLS FOR THE GREY EAGLE FIRE DEPARTMENT
WHEREAS, money has been donated by Laura Mills; and WHEREAS, the City Council feels that the donation will benefit citizens of the area;
1. That the City Council of the City of Grey Eagle formally accepts the donation from Laura Mills for the Fire Department.
2. That the City Clerk is authorized and directed to make the appropriate revenue and expenditure budget adjustments as needed to reflect this donation and its intended use.
Adopted by the Grey Eagle City Council this 10th day of September 2024.
A motion was made by Brad Johnson to approve Resolution 2024-24: Resolution Accepting $1682.00 from the Grey Eagle / Burtrum Lions. A second was made by Brian Hollenkamp and upon vote, with all members voting in favor, motion carried. The resolution is as follows:
RESOLUTION NO. 2024-24: A RESOLUTION ACCEPTING $1682 DONATION FROM GREY EAGLE/BURTRUM LIONS CLUB FOR STREET BANNERS
WHEREAS, money has been donated by the Grey Eagle Burtrum Lions Club; and WHEREAS, the City Council feels that the donation will benefit citizens of the area;
1. That the City Council of the City of Grey Eagle formally accepts the donation from the Grey Eagle Burtrum Lions Club for Street Banners.
2. That the City Clerk is authorized and directed to make the appropriate revenue and expenditure budget adjustments as needed to reflect this donation and its intended use.
Adopted by the Grey Eagle City Council this 10th day of September 2024.
A motion was made by Brian Hollenkamp to approve Resolution 2024-25: Resolution Adopting the Preliminary Levy Payable in 2025. A second was made by Brad Johnson and upon vote, with all members voting in favor, motion carried. The resolution is as follows:
General $92,529.00 58%
Fire $13,885.00 9%
Street Imp Project $19,500.00 12%
Street Restoration $34,456.00 21%
TOTAL $160,370.00 100%
Adopted by the Grey Eagle City Council this 10th day of September 2024.
A motion was made by Brian Hollenkamp to not allow the splitting of parcel 34-0018700 at 315 Woodman Street South. A second was made by Roland Ahrendt and upon vote, with all members voting in favor, motion carried.
A motion was made by Brad Johnson to pay Computer Dynamics for their setup services after completion. A second was made by Roland Ahrendt and upon vote, with all members voting in favor, motion carried.
The ducks being caged in city limits were discussed. The Council would like the Todd
County Sherrif to handle the situation, if they have not been relocated by September 20, 2024.
A motion was made by Brad Johnson to approve payment of Claims #3216-3237, totaling $164,168.13 and include additional payments of the following: Mike Berscheit $13.91, MN Power $2261.53, Minnesota Association of Small Cities $284.00 and Computer Dynamics $1949.98. A second was made by Roland Ahrendt and upon vote, with all members voting in favor, motion carried.
A motion was made by Brad Johnson to adjourn the meeting at 8:02 pm. A second was made by Brian Hollenkamp and upon vote, with all members voting in favor, motion carried.
The next regular meeting of the Grey Eagle City Council will be held at 7:00 pm on Tuesday, October 8, 2024 in Council Chambers.
Beth Ramacher, Clerk/Treasurer
public accuracy test of the Automark and DS200 voting machines for the general election will take place on Monday, October 28, 2024, at 7 p.m., in the the City of St. Rosa Park. The general election will be held in the same location on Tuesday, November 5, 2024; polls will be open from 7:00 a.m. until 8:00 p.m. Kallista Sprenger, Millwood Township Clerk
By Tom Kuehne, Insurance Agent
It’s again the time of the year when commercials and conversations are involving something called Medicare. When discussing Medicare, often the conversation involves a discussion of an individual experience with a Medicare plan, not mentioning that there are many different plans and many different plan offerings. Ads in the papers and media also tell only a couple of positive features about their individual plan. This is because if the entire benefit plan were to be presented, it would need either a whole newspaper page or a half hour commercial.
Sometimes one tries to remember a time when we didn’t have medicare. At the end of WWII, Truman wanted to create a plan that would offer healthcare to everyone, but Congress didn’t approve it. About 20 years later, during the Kennedy Administration, it found that over half of those over 65, had no health insurance. In 1966 Medicare began. There was a charge to all wage earners to support part A, [the hospital expenses] and a $3.00 charge to Medicare Recipients to support part B, [the doctor part], which has reached about $165.00 in 2023. The following years included changes, like allowing participation if the person was under 65, that had kidney failure. In 1982 hospice expenses were included. There also was a change which allowed disabled individuals under age 65 to be eligible for Medicare after being on Social Security for 24 months.
Drug coverage started in 1988, but there was a big change in 1997, when Medicare Advantage was allowed to include Part D [drug coverage]. Part D coverage was then available as an addition to a Medicare Advantage
RESOLUTION NO. 2024-25: A RESOLUTION ADOPTING PRELIMINARY LEVY PAYABLE IN 2025
THEREFORE, BE IT RESOLVED, that the following preliminary levy for 2025 was approved and adopted by the Grey Eagle City Council on this 10th day of September 2024.
or purchased as a stand alone policy. Another change included some free vaccinations and a limit of $35.00 per month for diabetic insulin. In 2025, there is a limit of out of pocket expenses for Part D drugs at $2000.00.
To be able to hold down the expenses involving Medicare, the Government needed to reduce payments for services.
One method used to control hospital costs was to establish a schedule of expenses that the hospital was reimbursed for each type of hospital service. That is why a hospital stay for a procedure that was 4 days in the past is now reduced to one day or maybe no hospital stay at all. The Doctors, who were originally paid by Medicare based on the Doctors fee schedule, are paid by a Medicare fee schedule, which is probably less.
When I recall the types of insurance that was available to Seniors in the rural areas, I recall coverage to bank customers and those that were members of the local co-op. Neither of these coverages were close to Medicare coverage.
One factor that causes economic problems for both Social Security and Medicare, is that their beneficiaries are living much longer than they did when the programs originated. Advanced ages are probably a result of better living conditions and improved medical care. It seems that if the programs work well, the programs are destined to destroy themselves.
Medicare may not be a solution for everyone, but it is much better than the nothing that many experienced in the past.
If you have any questions, give me a call at 320-360-0343.
We are looking for:
Estimator/Drafter • Warehouse Worker/Driver
Come Join Our Team!
Inc.
Freeport, MN www.hennenlumber.com
1) Ironton Drywall & Panel Hoist - Model 23310. Lift up to 4’ x 16’ panel/up to 150 lbs. to a max. height of 11’, cradle tilts for easy loading. Like new $75.
2) Go Industries V-Styler 5th Wheel Tailgate - Model 6686B. Powder coated, in excellent condition, fits various model years Ford F-150, F250 & F350 and 1973–1987 Chevy/GMC trucks. Like new $150. 3) Everbilt Convertible Jet Pump – ¾ HP/110VAC/612 GPH at 40 PSI, deep or shallow well, w/ ejector parts & 36” sand point. $65.
4) Kraft ProForm Texturing Gun & Hopper - Model PC201. Used 1 time, incl. 3 nozzles & Wagner PowerTex Texture Sprayer - Model 0520100. Air turbine motor 120VAC, 3 nozzle tips, 1 gallon hopper. $125 for both.
5) Lomanco Powered Crawlspace/Foundation Vent - Model PCV1. 120/110VAC, rotary humidstat control, extremely quiet. Incl. 5” exterior vent cap. Two units available. $65 each.
6) Protected Home Freeze Alarm Temperature Alarm Automatic Dialer - Model FA-700, monitors temperature drop in basement/crawl space/shop then auto-dials a programmed phone number. Incl. power transformer & phone line cable. $50.
7) Lufkin 46” Pro Series Measuring Wheel - Model PSMW38. Measures by ft. (9999.9) or inch, with foldable handle for easy transport. $25.
8) Bell South Portable Walkie Talkies (2) - Model 1008 & Uniden Portable CB Radio - Model PRO 310e, 12VDC w/magnetic roof mount base & antenna. $30 for both.
9) Chatillon IN Series Fish Scales - Model IN-10. Two 10 lb scales. $15 for both.
10) Trailer Tongue Jack – extends 12 inches, no foot or wheel. $10. For photos this posting can be seen at stcloud.craigslist.org/tls/d/melrose-tools-and-more/7787294234.html
RUMMAGE SALE: All Saints-St. Hedwig's, 250 Cedar St., Holdingford. ThursFri., Oct. 17-18: 7:30am-6:30pm. Sat., Oct. 19: 9am-2pm. Sun., Oct. 20: 9-Noon.
WORN-A-BIT RUMMAGE & BAKE
SALE: Sat., Oct. 26: 9-1; Sun., Oct. 27: 9-12. Lunch available. St. Michael's Church basement, Spring Hill.
BOAT STORAGE: Mound Lake area. Call 320-573-3939. 10/17
WANTED: Machinery for scrap or salvage specializing in combines, paying cash. 320292-8993.
WANTED TO BUY: Dairy Heifers and Cows. 320-894-7175. SC-evB
WANTED: Small trailer, 4 ft. wide by 9 ft. long. Call 320-267-5632. RB-tfn
FOR SALE: Ski lift towers, ideal for cul verts, $100 each, have 6, 11 ft. long. Call 320-573-3939. 10/31
WANTED: Good used camper van, reasonable price. Call 320-267-5632. RB-tfn
FOR SALE: Deer stands with platforms, $100 each, have 5. Call 320-573-3939. 10/31
FOR SALE: Air impact wrenches, 3 CBs: 1 Cobra 19, 1 Galaxy 959, 1 General Lee, 1 set of 17" tire chains, new in the box. 320260-2159 MT-tfn
FOR SALE: New wood posts, 7-1/2 ft., $6 each, have 20. Call 320-573-3939. 10/31
FOR SALE: Oak processed firewood and boiler wood. Call 320-573-3939. 10/31
FOR SALE: Shitzu mix puppies, born June 25, $250. Call first 877-243-2823, then 320573-2631 for hearing assist. 10/24
FOR SALE: VHS movies, can text titles, like new. Call 320-260-5441.
FOR SALE: Rutabagas 25¢ a pound, organically grown. Call 320-632-3336.
FOR SALE: Nice green meadow hay, 130 small square bales, perfect for horses or calves. Call 320-250-3874.
MAKE OFFER: Nice Lowery organ, Studio piano, 2 nickel slot machines, veterinarian supplies, washer and dryer, and much more. 320-232-0582
FOR SALE: Red onions 50¢ a pound, organically grown. Call 320-632-3336.
FOR SALE: Leg exerciser, back and forth movement, used very little. Call 320-3805722.
FOR SALE: 12 hp. riding lawn mower, 38 inch deck, new battery, $195. Call 612-2832718.
FOR SALE: 3 beef cows with calves. Call 320-250-0052.
FOR SALE: Red Oak blocked/split firewood, $200 per cord. 4 1/2 cord for $800. Call Curtis 320-232-0884 leave a message.
FOR SALE: Netherland dwarf rabbits, variety of colors. Call 320-333-4168.
The student asked the professor how many problems there would be on the final exam. The professor looked the student over and replied, "I think you will have lots of problems on the final."