River Valley Woman January 2021

PASSION PAPERWORK

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BY EILEEN MADSEN Editor

And a big bum’s rush to you, 2020! Don’t let the door hit ya on your way out. On second thought, I hope it did hit you several times over, knocking you out cold.

Speaking of getting hit in the rear end—this last year has walloped many of us right on our bottom line. Sadly, our finances may not be what they used to be, due to the pandemic and the economic fallout that ensued.

Trying to make dollars and cents of it all, we bring you our “Ka-Ching” money issue which focuses on what is purportedly, the root of all evil. The love of loot, that is. There is a difference between loving cash like a stalker might—obsessing over it, dreaming about it, wanting to hide it away so no one else can have it—or loving it just enough for a nice long, sensible engagement.

I love money—not enough to marry it, though. Although, Mrs. Money does have a nice ring to it. I love the freedom it can bring, and the food, home and cars it can buy, among all the other essentials (lip balm), and yes, the not so essentials (Fritos) it affords one. Afford being the operative word.

I’ve experienced many lean years when the dread of figuring out how to pay for simply living was a constant specter. Such as the time my husband and I had seven bucks until our next payday, which was five days away. If you get creative, it’s amazing how far you can make noodles, eggs, a can of tuna, and a container of curry powder we had since 1980, last. To this day, curry tastes like an exotic mixture of poverty, perseverance and hope. But I still tend to sprinkle it on everything to remind myself to take nothing for granted.

Many of us learn about finances the hard way. A simpler approach is to heed the advice of the women featured this month, starting with our cover story on Christine Powers, a partner at Abdo, Eick & Meyers. Crediting former mentors who helped pave her career path, and an internship at AE&M, one stepping stone after another led to her current position as partner, making her one of the only 30 percent of women who are principal players in a literally taxing career.

It’s a numbers game for those with a numbers brain, and that is what Darolyn Juberien says she has. Mindful about not just your financial life, Darolyn’s goal is to help you experience your fullest life. Her motivation stems from a tumor that formed in the very brain she relies upon to do her job. She came out the other side of the health crisis with a new perspective and a plan to launch her Live Full Financial money management and coaching business.

Now here is a sweet idea. How about we put ourselves forward when it comes to taking charge of our money? It’s important not to be blindsided by a life event such as divorce, or a death, only to be flummoxed by finances on top of everything else. That is the idea behind Sweet Financial’s Women Forward program, founded in 2014, promoting the idea that education is key should a transition occur in one’s life. Live, but learn.

As we all hang around the house, disgruntled about the world’s state of affairs, as well as our bank balances, we often turn to social media for some inspiration. Our Facebook poll this month shines some light on what we all want for 2021. Overwhelmingly, the answers reflect our desire for what we love the most—our normal lives.

By all indications, it looks like 2021 will be a real shot in the arm for us all if we persevere and remain hopeful. But I’m still keeping my container of curry powder handy.

I’m very proud that I’ve been able to have this career and have a beautiful family, too. It can be done…It’s fulfilling working with businesses.

BALANCING THE BOOKS… AND LIFE

By MARIE ZIMMERMAN

PHOTOS BY ALICE HQ PHOTOGRAPHY

It takes a balancing act to become a partner at a large accounting firm while being married, raising four children, and being involved in the community.

Luckily, certified public accountant Christine Powers is a pro. It was the simple satisfaction of balancing a sheet of numbers that sparked a career of 23 years and counting.

“Once you got done and realized you could see your bank balance at the end, or had a profit and loss statement, it was really gratifying, even in high school,” Powers said.

Powers has focused her practice on accounting, consulting, tax, and audit services for businesses and nonprofits. While she’s nearing 30 years in the profession, people are sometimes surprised to find that Powers is a CPA.

“I don’t fit the bill sometimes. People have a certain connotation of what a tax CPA looks like, and yeah, that’s not me,” Powers said.

Christine is a partner at Abdo Eick & Meyers, one of the dozen largest firms in the state with offices in Edina and Mankato.

Women make up less than 30 percent of partners and principals, even though they represent 52 percent of fulltime staff at accounting and consulting firms, according to the 2020 Accounting MOVE Project.

“I’m very proud that I’ve been able to have this career and have a beautiful family, too. It can be done. Looking back, I’m hoping that others see it can be a good career, too. It’s fulfilling working with businesses,” Powers said.

After high school, Powers started studying accounting at what was then called Brainerd Community College, then took a step back from college at age 20 when her oldest son, Justin, was born. In the meantime, she worked a couple jobs, including one where her boss taught her how to keep the books for the business. It was one of three stepping stones—that included a high school accounting class with a great teacher—that paved a pathway to her career.

Powers eventually went back to school, graduating from MSUM in 1998 with a degree in accounting and business administration. That’s when the third stepping-stone

appeared. She got an internship at Abdo Eick & Meyers, then accepted a full-time job there, with her supervisor helping her build a foundation for her career as an accountant.

Powers stayed with the firm, becoming a business manager, then a partner. In each role, the challenges have changed, but her love for the work remains.

“In the beginning, you’re getting the work done and doing, and now it’s talking and listening to the business owners and being able to guide the staff in how it should get done,” Powers said. “It’s knowledge-based, our business, so we have to make sure our clients are receiving the service they expect. And with that we have to train the staff to understand that and help them grow. That is a challenge.”

Talking with business owners is part of the job Powers enjoys, whether it’s a quick chat, going through a tax scenario, or sitting down to iron out an issue. On any given week, most of Christine’s time is spent calling business owners and chief financial officers at companies to check in. Right now, that revolves around challenges related to COVID-19.

“It’s a lot of talking. There’s so much right now. It’s very overwhelming (for businesses),” Powers said. Starting out in her career, Powers focused on auditing nonprofits to help them adhere to best practices for their finances. She’s moved away from that work, but remains passionate about organizations in the community serving unmet needs.

“Nonprofits are very specialized, so you want to make sure to keep up on the law changes and rules. It’s hard to be everything to everyone. Now my role is more of a board member or finance committee position—reading their financials, helping them with budgets,” Powers explained.

Volunteering is important to Powers, who has been recognized with the Public Service Award from the Minnesota Society of CPAs and the Volunteer of the Year Award from Greater Mankato Area United Way. She has served on the United Way’s Board of Directors as well as its finance, human resources and “Women with Heart” committees.

“It’s a very important organization. I believe it brings lots of good to the four counties it services,” Powers said.

Christine is also a supporter of the Children’s Museum 

Q&A WITH

If you could choose to do anything for a day, what would it be?

Before COVID— a quiet day with nowhere to be, but now it would be entertaining with extended family.

What’s the most daring thing you’ve ever done?

Asking my now husband out on a date. It took three phone calls to finally get to him, maybe more determined than daring!

Aside from necessities, what one thing could you not go a day without?   Hairspray!

At what job would you be terrible?   Anything in the medical field – that is not for me!

What three things do you think of the most each day?

What are my kids doing, what does my hair look like, and what is the next meeting?

If you had to eat one thing for every meal going forward, what would you eat?   Blueberries, not sure why that jumped in my head, but it seems doable.

What is your favorite childhood memory?

Riding my bike with our dog in the basket.

 of Southern Minnesota in Mankato, as well as having held the roles of board chair and finance chair.

“It’s just a wonderful thing to have in our community. It needs to be supported so that all children have access. I just feel like it’s taking our children and bringing them up so we have a great community,” Powers said. Giving her time has not only been gratifying, but also an essential part of connecting Powers to her community and solving local problems. If there’s something that needs to be done, a group effort is the best way to get there, she feels.

“I just think it’s important to volunteer. It makes your community a great place to live and work. To me, that’s the core,” Powers said. “If I think something needs to be improved or made better, I need to be involved. But find your passion. It might just be one thing. Don’t spread yourself thin because then it’s not good. And you might have to try out different things to see, ‘Where does my passion lie?’”

Work and community are critical parts of the equation for Powers, but it wouldn’t add up without family. As a kid growing up in Le Center, Powers didn’t realize how much her mom would influence her work ethic later in life. No matter the obstacle, her mother would figure it out and get things done.

“I always just saw it in my house. Did I

recognize that when I was younger? Oh, heck no. It wasn’t until I was older that I recognized that’s where I got it from. I just get stuff done. It’s just what I saw around me,” Powers said.

A “get it done” attitude has served Christine well as she’s navigated parenthood and marriage alongside work. Powers met her husband, Fred, after graduating college. They married, moved to Fred’s hometown of St. Peter, and added children Levi, Lauren and John to the family, along with Powers’ son Justin.

At home, Christine spends time gardening and cooking. When the kids were younger, it was hard to take them out to eat, so they started a weekend brunch tradition.

“I love to cook, and breakfast—just hanging out in the morning—is a great thing. You wake up and you’re refreshed. I love quiche and French toast, waffles. I’m more of a sweet than a savory person, but I do like my quiche too,” Powers said.

“My kids are all taller than me now. Where did time go? Just keeping that balance and staying aware, watching your kids grow up, and not missing out on anything, that’s super important,” Powers said. “One day you might be really strong on one thing. You might have to put more time in over here to do this over there. You just have to figure that out for yourself, find some parameters of what you want.” RVW

FOR YOUR

Last year was a stressful year financially for a lot of people. Millions of Americans received unemployment benefits, many for the first time. Powers pointed out that a lot of people don’t realize unemployment compensation is taxable income, leading to a tax burden when they file their federal income tax return. Taxable benefits include any of the special unemployment compensation authorized under the Coronavirus Aid, Relief, and Economic Security (CARES) Act, enacted last spring. It is possible to have tax withheld from these benefits to help avoid owing taxes on this income later by filling out a Form W-4V, Voluntary Withholding Request, available from the IRS online.

For those who were out sick from work due to coronavirus, Powers said they may be eligible for up to 80 hours in addition to their standard paid time off balance as a special dispensation for the pandemic.

“That is a benefit for employees and your household, if you’re sick or have to care for someone with coronavirus. If you’re out due to coronavirus, you don’t have to use your vacation right away,” she said.

Employers have been bombarded with information this year and have struggled to keep track of constant changes, so Powers recommends checking with your Human Resources department if you had to use your vacation time when you think you may have qualified for this additional PTO.

One other benefit designed to offer financial relief during the pandemic is a provision in the CARES Act that will allow more people to easily deduct up to $300 in donations to qualifying charities for 2020. It’s designed especially for people who choose to take the standard deduction, rather than itemizing their deductions.

Nearly nine in 10 taxpayers now take the standard deduction and could potentially qualify, according to the IRS. Under this new change, individual taxpayers can claim an “above-the-line” deduction of up to $300 for cash donations made to charity during 2020. This means the deduction lowers both adjusted gross income and taxable income— translating into tax savings for those making donations to qualifying tax-exempt organizations.

“That means even if you do not itemize and take the standard deduction, still bring the cash contributions to your tax appointment because there is an additional deduction,” Powers said.

I just think it’s important to volunteer. It makes your community a great place to live and work.

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By BROOKE WOHLRABE

Sweet Financial Services in Fairmont offers a unique program specifically for women call Women Forward. Its mission is to educate and empower women in regard to their finances.

Six women make up the Women Forward team. Each one has her own role, but they work toward a common goal of educating women on wealth management, as well as offering support.

The Women Forward team includes wealth advisors Lynne Burgraff and Amber Knips, director of communications Marsha Malo, Women Forward coach Brittany Anderson, implementation specialist Tina Coquyt, and concierge service associate Miranda Belgard.

Lynne Burgraff has been with Sweet Financial for 24 years and was a founder of Women Forward in 2014.

“The reasons for starting Women Forward were that we were seeing a lot of female clients who still were not educated on the financial and investment side of their life. They might be the ones to pay the monthly bills, but they didn’t understand their retirement accounts or what their husband had,” Burgraff explained.

Burgraff noted that, if there was a sudden transition like divorce or a spouse’s death, many women would be left with little idea or guidance on how to handle the finances.

She said her late mother-in-law was the inspiration for Women Forward. She was widowed, with seven children, at a young age. Her husband had done everything, so when he died unexpectedly, she was lost for years.

“We founded Women Forward to have a place where all women can get educated on the financial side of their lives,” Burgraff said, adding that quarterly events are held each year.

“We try to make it fun and enjoyable, but it’s really about the education and making women more confident,” Burgraff said.

In addition to being a wealth advisor, Burgraff also has a certified divorce financial analyst designation, which she received in 2014. Burgraff shared that she herself is divorced. Consequently, being able to help women is very near and dear to her heart.

An important thing to know about the Women Forward program is that it’s completely free to join.

“Any woman can sign up and become a member for free on our website. They’ll get educational emails, invites to our exclusive events, and then we have other things we do over the years for our members,” Burgraff said.

Burgraff shared her favorite part of being on the Women Forward team.

“It’s seeing the women come to our events and really learn and understand as they go through life. We’ve had a lot of our members say

how helpful it was. That’s my favorite email or conversation,” she explained.

Marsha Malo is the director of communications for the Women Forward Team. She joined the team about six years ago.

“I do the background stuff, setting up events, handling the RSVPs. I handle the communication between us and our Women Forward members,” Malo said.

Malo shared that Women Forward currently has about 350 members. Not all come to each event, though some do attend every one.

The members are pretty much in a 60-mile radius. They span from Jackson, Worthington, up to Mankato, and down to Okoboji, Iowa. Members also represent a broad age range from the 20s up past retirement age.

Malo noted that some members are wives of clients, some are clients themselves, and some women in the community are members.

Malo said in addition to events, the group sends out weekly informational emails to members. Topics range from how to help your financial future endure through a divorce to growing tax-free money—along with “feeling good” emails that offer support.

“Not all emails are going to pertain to one particular group. We want to make sure that we hit everyone so that everyone feels involved at one point,” Malo said.

She stressed that Women Forward isn’t just for single, divorced, or widowed women, but can be for anyone wanting to plan a budget all the way to planning retirement.

“We’ve had so many women who have maybe not been involved in the financial planning process. You don’t need to be so involved that you’re taking over everything, just be in the know so you’re not lost if something happens,” Marsha said.

The Women Forward team doesn’t ever want women to feel like they’re asking a dumb question at an event. Malo said they work to provide a comfortable environment where the women socialize, enjoy food and drinks, maybe play some games, and then receive information.

“It’s nice to be part of a group that helps others. We don’t need anything in return,” Malo said.

Tina Coquyt is the newest member of the Women Forward team. She joined at the start of 2020. She is an implementation specialist.

“I help out with a lot of the marketing and putting events together, making sure we’re getting our message out to members and the community,” she said.

Coquyt also spoke of the importance of the Women Forward events for members and shared that, due to the pandemic, they held their very first virtual event in May and—surprisingly—had a great turnout.

Lynne Burgraff

Marsha Malo

Tina Coquyt

Amber Knips

“It was a recap of what had happened from March and May—and trying to turn to the positivity. We called it building wealth and wisdom. I was surprised it turned out so well,” Coquyt said.

In the past, Women Forward has had a margaritas and markets event each July. Taking place outside on the Sweet Financial patio with margaritas, chips, and salsa—and an update on what the market had done over the year—was a big hit. The event still took place in July 2020, since it was outdoors. A limited number of members attended.

“We really look forward to our events, and they’re free of charge. We like to bring the “women community” together. So many relationships have been built by complete strangers at our events. That’s neat to hear and see, as well,” Coquyt said.

Coquyt had been with Sweet Financial several months before she attended a Women Forward event.

“I went as a bystander to see what it was all about before I decided if I wanted to take part in it. I wanted to make sure it was something I believed in and felt strongly about. After going to that event, I was sold. I wanted to be part of the team,” Coquyt shared.

Tina said she’s looking forward to getting regular events back without restrictions, whenever that might be.

Amber Knips is Women Forward’s other wealth advisor. She has been a part of the team for eight years. She works in the Fairmont office, as well as in Jackson.

“We’re empowering women to learn more about something they maybe normally wouldn’t learn more about or push themselves to learn more about,” Knips said.

She went on to say that, typically, they’ve seen women take more of a backseat in handling the finances so it’s fun to see women engage and take on a more active role.

“What we see the most is women who have been touched by someone affected by a major life transition. They’ve seen firsthand the struggle that they go through,” Knips said.

She said a lot women want to join Women Forward in order to prepare themselves before a potential transition happens to them.

“I want them to say, ‘I am so glad I had you during my divorce, widowhood, job change, retirement,’ whatever it may be, versus, ‘I wish I would have known about you before,’” Knips explained.

In addition to the events held for Women Forward members, opportunities for one-on-one consultations are provided free of charge.

“If we can be more help, then we’ll explain what we can do from there to help them further. It’s like when you go to the doctor, they need to know the whole background and story in order to help you. It’s not a one size fits all for everyone,” Knips explained.

She stressed that—even if you don’t like working with numbers, or don’t feel excited about learning more about it—being able to engage with Women Forward is so much more than finance. She said it comes gradually, but it’s really an empowerment piece.

That’s where Brittany Anderson comes in. She was named the Women Forward coach in January of 2021.

“We really try to take a holistic approach to our teaching and education platform. Amber and Lynne educate relating to finances and building wealth. What I do is the empowerment piece,” Anderson explained.

Anderson wants to help women realize their greater purpose and set up their life to pursue their dreams.

Anderson has been indirectly involved with Women Forward in some capacity since it was founded, but has been much more involved in the last five years.

She noted that women can be a member of Women Forward, and not be a client of Sweet Financial.

“We see it as a service we can provide and, fortunately, Sweet Financial has become successful enough to where we can do this for women in the surrounding community,” Anderson said. What makes Women Forward special is its team of unique members. The empowerment piece also sets it apart from other financial groups.

“Even though we’re in a small community, the possibilities are really endless. It just depends on what you want to go after. The financial component is so important, but I think the empowerment component is equally as important,” Anderson said.

Anderson’s favorite part of being involved in Women Forward is the lives that she gets to touch. She likes knowing Women Forward is reaching people and making a positive impact.

“When you think about planning for your future and looking ahead, set a dream that’s so big that it scares you a little bit. When we challenge and push ourselves outside of the box, amazing things happen,” Anderson said.

Anderson believes most people hear about Women Forward through word of mouth or referrals— but the group is also active on social media with a Facebook page. RVW

Burgraff: “My financial tip is to look at Roth IRAs, whether in your 401K or converting from your traditional, because Roth IRAs are going to be very important in the future because we don’t know what the tax rates will be and Roth IRAs are tax-free income in retirement. I think they’ll be really important down the line.”

Malo: “The advice that I give my kids is, when your job offers a 401K or 401K match, do it. The sooner you start saving for your future, the better off you’re going to be.”

Coquyt: “Just because something works for someone else, doesn’t mean it will work for you. Ask questions to professionals and don’t always rely on your friends or Google because there’s a lot of misguided direction out there.”

Knips: “Diversify the types of savings you’re doing. One of the biggest regrets I hear from my clients is them saying they wish they wouldn’t have saved so much in pre-tax retirement accounts.”

Anderson: “Pay attention with whom you surround yourself. It’s important to seek out positive people.” She hopes Women Forward can be that supportive community for women who might not have it.

Brittany Anderson

Miranda Tulowetzke

Brittany Anderson, Miranda Tulowetzke, Lynne Burgraff, Amber Knips, Marsha Malo

People tell Mankato financial coach Darolyn Juberien that she’s always had a “numbers brain.”

Along with that, Juberien claims she has always had the idea of helping people financially in the back of her head.

Recovery from a major health issue, more than a decade ago, gave Juberien a new perspective on life, along with the push to pursue that idea.

After a series of doctor visits, Darolyn was diagnosed with a brain tumor in January 2007.

“It started with a hearing issue. I had a crackling sound on the left side. Hearing tests showed that the ear was doing what it should, but I couldn’t hear,” she said. “An MRI revealed a tumor wrapped around the nerve. It was the size of a golf ball. It was extremely scary.”

Removal required both an ENT surgeon and a neurosurgeon, a combination that Juberien found at the University of Iowa in Iowa City. The team was able to remove the benign tumor—but surgery left her with a balance issue, double vision, deafness on the left side, and drooping on the left side of her face.

“The emotional part was the worst. I had no idea that that existed—the anxiety of it,” Juberien said. “The way I felt, the way I looked, caused a lot of emotional stress.”

Her husband, Jon, took six weeks off work and was Darolyn’s nurse. He’d take her on walks, guiding her to keep going.

“That journey was tough. From that came a new perspective,” she said. Juberien started looking into life coaching, wanting to focus on the emotional part of medical issues—because the trauma following her own situation had caught her so off guard.

• Forgive yourself for past financial missteps.

• Don’t forget the lessons learned from your past financial life.

• Think positively about your financial future and visualize how you want it to look.

• Get a clear picture of your finances, open all bills—no matter how bad they may seem.

• Get back to basics—start a ledger and record all income and expenses.

• Set your financial goals, including debt payoff and establishing savings.

• Determine wants and needs. Set a period of time that you only spend on necessities.

• Set up a workable, realistic budget on paper or on a spreadsheet and update several times a week. Having a visual of where you are keeps you on track.

• Work with a financial coach on setting goals, budget building, and as an accountability partner.

• Stay focused on your goals and be persistent in reaching them.

Story and Photos By RUTH KLOSSNER

Darolyn Juberien runs Live Full Financial from her home in Mankato.

Although she wasn’t able to pursue that goal immediately, the idea kept building.

After the brain tumor, Juberien was asked to help clean house for a lady who had ALS. That experience was the avenue to give back.

“She was amazing. She was always smiling. She lived her life to the fullest. I enjoyed helping her. She gave me even more desire to help people,” Darolyn said.

“She was the inspiration for the Live Full name,” explained Darolyn of her business of the same name—an LLC called Live Full.

“I wasn’t sure what I’d do with it,” she said. “But I wanted to get the name established.”

It wasn’t until after Juberien began work at Habitat for Humanity—first in Alexandria and now continuing in Mankato—that Darolyn established Live Full Financial Coaching.

“From that [Habitat], I decided that I wanted to do that on my own. Many people need coaching in the evening and on weekends,” she said. “I always wanted to do something to help people.”

Juberien completed the Dave Ramsey Financial Coach Master Training and took courses from Financial Coach Academy. She was recently certified as a financial social work coach through the Center for Financial Social Work.

She is also a member of the American Association of Daily Money Managers.

“The money managing fits well with coaching as some people don’t have time to handle their checkbooks and money on a daily basis,” she said.

“For me, it’s a real drive and passion to want to help people— to make their lives better. Financial stress can overtake their lives,” Juberien said. “I really get a lot out of it. It’s special when they go ‘Wow!’ It’s not a one size fits all thing. Each person is unique; they think differently, they have a different history. I have to figure out the emotions, their thought patterns of finances.”

Darolyn said she’s often asked how people can afford help, if they need a financial coach. She responded, “Ninety-nine percent of people have the financial resources to pay for my services. It’s just where they’re putting their money. That can be a real eye-opener. I encourage people to look at their mail, answer the phone calls, and work with creditors.”

Juberien is working hard to get the word out about what financial coaching really is.

“I talk about relieving that stress, having financial peace, having the lifetime skills to keep their finances in order,” she explained. “Whatever happened in the past—we’ll work through that—but won’t judge on what happened in the past. We’ll look forward. I use my banking and financial experience to make it work.”

To “Live Full” is the end result that Juberien wants people to have.

“The ultimate goal of coaching is that I will teach, but I don’t need to be there forever. When they learn the tools of handling their financial life, they can move on.”

Juberien offers 30-minute complimentary consultations to people who want to know more. She’s also offering reduced rates in 2021. She’ll do meetings in person, by phone, or virtually accessible.

“I just want to help people. People are hanging on to their money. It’s just like when I was just out of college—finances are tight,” she said. RVW

After living the first seven years of her life in Tucson, Arizona, Darolyn’s family moved to Mankato when her dad, Dean Scott, became Dean of Students at Mankato State University. Although Darolyn wasn’t happy about the move, she soon found that Mankato was a great place to grow up and it soon “felt like home.”

Darolyn graduated from Mankato West, then completed several years at the University of Wisconsin, La Crosse before coming back to finish a degree in accounting and business at MSU.

She started working in personal banking in the 1990s, then transitioned from there. “That’s when I started to get the itch. I was helping people trying to clean up their finances—balancing their personal finances. But I was in the midst of raising kids, going to kids’ hockey games, and more. I didn’t have time to focus on what I liked to do.”

When husband Jon was working as general foreman at the Federal Corrections Facility in Waseca, Darolyn did accounts payable for Waseca schools. It was while working there that she was diagnosed with the brain tumor that changed her life. After getting through that, she returned to work for a year, but felt that she should be doing something that would make a difference in people’s lives.

Darolyn and her sister, Amy Kolb, had a natural and organics store in Mankato’s Old Towne for a short stint— but hit the recession of 2008 head on. She worked in the business office of a large mental health clinic in Owatonna, then left that job when she and Jon moved to Alexandria when he became facility director at Alexandria Technical. Although they were only in Alex for two years, it was there that Darolyn connected with Habitat for Humanity, doing accounting. Darolyn “got Jon back to Mankato” in 2017 and he’s now facility director at South Central Technical in North Mankato.

In early 2018, Darolyn started the “almost exact job” she had in Alexandria when a position opened at Habitat for Humanity South Central Minnesota. She’s still there— working with homeowners on budgeting—along with her personal financial coaching business.

Between them, Darolyn and Jon have six children and are expecting their 12th grandchild in March. When they can, they enjoy spending time with children and grandchildren—but curtailed most family activities during Covid. They bought a new home in south Mankato this past summer and spent time redecorating it. They love to travel—by car—to national parks and they try to get to Tucson every few years.

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knew just what he wanted when he built his new home at 117 Goldfinch Court.

After all, he had built a house much like it—right next door, in a development he’s completing off Stadium Avenue in Mankato.

“I own the street,” contractor Paradis said. “There are 10 lots. We built six of the homes on the street and have four lots left. This house is a larger version of the house next door. 

The Paradis home at 117 Goldfinch Court makes good use of the 70-foot lot. Molly’s office is in the build-out on the left and two build-outs on the back toward the woods allow for larger main floor bedrooms.

The living area features shiplap above the fireplace and a mantel make from barn boards from a barn built in 1905. Those boards were also used for the 4x4 posts that hold the metal railing to the stairs, left.

Story and Photos By RUTH KLOSSNER

Compared to the house next door, Tom made the laundry room larger, noting, “I’m a contractor, I need a mud room.” That’s off to the right, next to the door from the garage. The washer and dryer are on the opposite wall. The backsplash is the same 12x24 tile that Tom used in the kitchen.

The U-shaped kitchen has cabinets by Denny Johns, Cambria countertops, and 12x24 backsplash that looks like ceramic tile. That same tile is used in the laundry room. The door on the left opens to the pantry where Molly’s coffee pot is plugged in. The refrigerator is farther to the right.

Looking from the living area into the dining area, with the kitchen to the right.

The dining area and living room area has a nine-foot ceiling, plus vaulting. That allowed for transoms over the windows and patio door. Flooring is hickory, which Tom really enjoys.

The dining room wall features shiplap boards and cabinets built by Denny Johns.

Tom’s office is in the lower level of the home. He laughed when he said that was on purpose—it’s far away from Molly’s office on the main floor on the other end of the house! He chose that space so he could watch the deer and birds in the backyard.

A huge clock that was a spur of the moment purchase hangs in the stairwell. The most interesting part, Tom noted, was hanging it on the high wall!

While Tom noted that the five deer that live behind the houses usually show up at dusk, this one came to the deer block while the RVW photographer was there. The photo was taken from Tom’s office with only slight zoom.

Tom Paradis and Molly Loe received the People’s Choice Award in voting during the fall Minnesota River Builders Association Tour of Homes.

There’s plenty of seating and a large-screen TV in the lower level.

This year’s People’s Choice Award is the third that Paradis Construction has won, following 2016 and 2018 awards. Tom was also named Builder of the Year in 2011 and received the MRBA Presidents Award in 2018.

A pool table sits just in front of the bar.

The home features one spare bedroom upstairs, and another in the lower level.

The lower level bar features barn wood turned into shelves—with hidden lighting behind them. The bar countertop is granite.

The view from the deck on the upper level. Deer frequent the back yard—as the photographer saw.

Tom’s collection of LPs from the past is displayed in the lower level den.

 I just expanded some things.”

The lots on both sides of the street back up to a Tree Conservation District established by Mankato, with a city wetland behind that.

“We can only cut trees so far back. As far as I’m concerned, trees in the backyard are important. Five deer visit regularly—three does and two fawns,” Tom said.

Molly Loe, a real estate broker with Realty One Group and Tom’s significant other, designed the home. The home was under construction for over a year—July 2018 to August 2019—because, as Tom put it, “When you’re a contractor, your own home is the last one you do!”

He added, “I’m an old school contractor, I still do a lot of work myself. I personally did the floors, all the ceramic tile, shiplap, and brick. And we did the painting.”

Those features—along with numerous personal touches—reflect Paradis’ interests. A Mankato native, Tom has been a contractor for 40 years, after working as a deck hand on a crab boat at Kodiak, Alaska for four years. Sports have been an important part of his life—from soapbox derbies as a kid to playing and sponsoring softball.

The home received the People’s Choice Award in voting during the Minnesota River Builders Home Tour this past fall. RVW

The master bedroom is very large as that part of the house was jutted out to be closer to the woods. The master bath opens off it and has a walk-in closet attached. The bedroom also has two more closets.

Johns made great use of the often-wasted space under the bathroom sinks, choosing to build a drawer that fits around the piping.

The master bath has cabinets designed and built by Denny Johns.

RIVERFRONT

410 S. Riverfront Dr. Mankato, MN 507-625-1107

HILLTOP

2010 Adams St. Mankato, MN 507-625-9070

Your Hilltop Hy-Vee is offering Rapid Antigen COVID-19 testing (results in as little as 1-2 hours) in a convenient, drive-thru testing process. Follow the signs to the garden center parking lot. All patients

must register ahead of time in order to receive a test voucher and select a testing site and appointment time.

152983

HAPPY NEW YEAR!

With the new year comes resolutions of all shapes and sizes. Top trends for New Year’s resolutions are focused on health and organization. Why not achieve both goals through meal planning? Planning the foods you eat can help you stick to your health goals and also helps you stay organized by reducing food clutter, waste and nightly stress. Meal planning doesn’t have to be difficult. Here are five simple steps to get you on your way to better health!

1. Inventory your cupboard. Make your meal plan around foods that you already have. Save time and money.

2. Know your schedule. Which days do you have time to cook, and which nights would work better with a slowcooker recipe or leftovers?

3. Choose your recipes and make your list. Pick recipes that use the ingredients you have on hand. Remember to plan for side dishes. Don’t be afraid to try something new. Once you have your recipes chosen, write down the ingredients you need to purchase.

4. Shop. Equipped with your meal plan and list, grocery shopping will be a breeze.

5. Prepare your meals and enjoy your hard work.

INGREDIENTS

4 tbsp. seasoned rice wine vinegar, divided

1 tbsp. Hy-Vee granulated sugar

1 tsp. wasabi paste, optional

1 tsp. Hy-Vee less-sodium soy sauce

1/4 tsp. sesame oil

2 (4-to-6-oz. each) Verlasso skinless fresh salmon fillets, 3/4-to-1-inch thick

1 (7.4-oz.) bowl Full Circle Market organic white rice

4 c. baby spinach

1 Persian cucumber, sliced

1 small avocado, seeded, peeled, and sliced

1/2 mango, pitted, peeled, and sliced

1/4 c. cooked shelled edamame

Desired toppers, such as: pickled ginger, red bell pepper strips, sesame seeds, lime slices, green onion slices

DIRECTIONS

1 2 3 4

Preheat air fryer to 325 degrees according to manufacturer’s directions. Meanwhile, for dressing, combine 3 tablespoons rice wine vinegar, 1 tablespoon sugar, wasabi paste (if desired), soy sauce, and sesame oil.

Lightly spray air fryer basket with nonstick spray. Pat salmon dry with paper towels. Lightly spray both sides of salmon with nonstick spray. Place salmon, in a single layer in basket. Cook for 7 to 10 minutes or until salmon flakes easily with a fork (145 degrees).

Meanwhile, heat rice bowl in microwave according to package directions. Stir in remaining 1 tablespoon rice wine vinegar. Set aside.

To serve, divide spinach between salad bowls. Top with salmon, rice, cucumber, avocado, mango, and edamame. Garnish as desired. Serve with dressing.

Nutrition facts per serving: 700 calories per serving, 34g Total Fat, 6g Saturated Fat, 0g Trans Fat, 60mg Cholesterol, 260mg Sodium, 67g Total Carbohydrates, 12g Dietary Fiber, 20g Total Sugars, 6g Added Sugars, 35g Protein.

SCAN THE QR CODE FOR A FREE WEEKLY MEAL PLAN.

As a little girl my fondest memories are those of spending time cooking and baking with my grandma in her kitchen. Every time I would visit we would bake something together. This has to be where my love of baking started.

I’m very lucky that I still get to enjoy baking with my Grandma Gloria. We spend a lot of time together in the summer in our shared garden, canning, and pie making. My children join us and have found so much joy in sharing these hobbies with my grandma and me.

When I was very young, I was diagnosed with juvenile rheumatoid arthritis. In 2015 I was no longer able to work outside the home as a social worker due to my arthritis and other health complications. Once I was home I found myself baking almost everyday. My family suggested that I start a small baking business out of my home, so that is what I did! In 2015 I started The Messy Apron in North Mankato and thanks to the Cottage Food Act I'm able to sell baked goods out of my home.

As a mom of four kids I love the flexibility this business allows me. Finding a balance between being a baker, a mom and someone with a chronic illness was hard at first; I have now found a great balance. The kitchen has always been my happy place. In the kitchen I get to be creative, de-stress and bake delicious goodies that put a smile on people’s faces.

My favorite things to bake are scones, breads and cupcakes. I also bake cookies, cakes, granola, pies and whatever my customers ask me to come up with. I have included my favorite scone recipe in this article. You can use this recipe to create other flavors of your choosing by swapping out the strawberries for other fruits.

You can find The Messy Apron on Facebook, facebook.com/ themessyapron507. You will find a community of members who share recipes, meal ideas and much more. I also share tips and tricks for when working in the kitchen, pictures of what I bake and share when I have specials on baked goods. I hope you can come and join us online!

INGREDIENTS SCONE

2 c. all-purpose flour, plus more for work surface

1/2 c. granulated sugar

1 T. baking soda

1/2 tsp. salt

1/2 c. unsalted butter, cold

1/2 c. heavy cream (plus 2 Tbsp for brushing), cold

1 large egg

1 tsp. vanilla extract

1/2 tsp. almond extract

1 c. strawberries, cut up small

3 T. coarse sugar

ICING

1 c. confectioners sugar

2-3 T. milk

1/2 tsp. almond extract

INSTRUCTIONS

1. Whisk flour, sugar, baking powder and salt together in a large bowl. Using a pastry cutter or two forks cut in the cold butter until the mixture comes together in pea-sized crumbs.

2. Whisk 1/2 cup heavy cream, the egg, vanilla extract and almond extract together in a small bowl. Stir in the cut up strawberries until they are coated with flour mixture. Pour the wet ingredients into the flour mixture. Mix together until everything appears moistened.

3. Pour out on the lightly floured counter and work dough into a ball as best you can. Dough will be sticky. If it's too sticky, add a little more flour. If it seems too dry, add 1-2 tablespoons heavy cream. Press into an 8-inch disc, and with a sharp knife or bench scraper, cut into 8 wedges.

4. Place scones on baking pan 1-2 inches from each other. Brush scones with heavy cream and sprinkle with course sugar (optional).

5. Place scones in freezer for at least 15 minutes. While scones are chilling preheat oven to 400 degrees.

6. Bake for 22-25 minutes or until golden brown around the edges and lightly browned on top. Remove from the oven and cool.

7. For icing mix together confectioners sugar, milk and almond extract. The consistency should slowly slide off your spoon. Drizzle cooled scones with icing.

BY CINDY HAUGLAND tidytightwads.com

If ever there was a year that begged for a fresh start, 2021 wins the prize! Yet, as we look toward a new year filled with a renewed hope for normalcy, it’s important to take away the very best this past year gave to each of us.

If your New Year’s resolution last January included more time with your family, you crushed that goal. We were all blessed to have more time with those in our immediate family and closest circles. We played cards and lawn games, went kayaking, and picnicked in our backyards.

If your goal was to use more of what you already have or buy less stuff, this past year presented an opportunity to use our grills, patio swings, and board games. Pools, trampolines, and bikes didn’t go unused. Many got in more motorcycle or pontoon rides than past years. Instead of buying the next new thing, we used what we had.

If you wanted to get outside more or exercise more, many more people hit the parks, trails, and lakes this year than ever before. Bikes were hard to find and yoga instructors offered classes via Zoom. It was an incredible time to try something new and get some exercise. If you were searching for solace in the park or social distance while taking the dog for a walk on the path, you actually had to navigate many other people out for the same. Wasn’t it a fantastic experience to know we were all out enjoying these things together, yet apart?

If your goal was to finish some projects or check some things off your

“to-do” list, you were blessed with an opportunity to do so. With busy social calendars wiped clean, there was little excuse not to get things done around the house or yard, unless you had issues getting supplies from your local store to finish your project.

Maybe you wanted to write letters or reach out to some old friends. Social Zoom calls soared and many people sent cards and letters via postal mail as an alternative to personal visits or traveling to see someone. Friends organized showers of cards for someone’s anniversary or retirement— and drive-by parades were organized to wish someone a happy birthday. People got creative and found ways to celebrate and show kindness in more ways than ever thought possible.

Eating healthy or cooking at home is often a New Year's resolution for many, and this year people gardened, shopped at local outdoor markets, and tried their hand at baking bread until there was a brief yeast shortage. Fresh veggies were eaten and shared, grills and smokers were put into overdrive, and people tried new recipes by attending virtual cooking classes.

As you set your goals for this next year, I encourage you to find ways to exceed your own expectations in less conventional ways, find the bright side of things, and always look for those who could use a word of encouragement or an act of kindness to keep them going too.

Happy New Year!

COVID-19 DURING WINTER—

EIGHT THINGS YOU CAN DO TO MENTALLY PREPARE

Winter can be a difficult time for some people. Long, dark days coupled with cold weather and social isolation can lead to feelings of sadness, anxiety, or depression. This winter could be especially difficult as infectious disease experts recommend that we “hunker down” to prevent the spread of COVID-19.

Here are eight things you can do to prepare yourself mentally for a pandemic winter.

1. Schedule virtual interactions. Earlier in the pandemic, many people used technology to virtually connect with loved ones. For some, the frequency of this type of interaction slowed during warmer months of summer. Fall is a good time to schedule regular virtual times throughout winter to reconnect safely. A regular check-in schedule gives you something to look forward to and provides the emotional and mental support you need. Everyone needs a varying amount of real social contact, so find a routine that works best for you.

2. Change your screen time routines. Due to the COVID-19 pandemic, many children and adults are incorporating more screen time into their work or school days. That’s why it’s more important than ever to evaluate your use of electronics the rest of the day. Screen time tends to increase during the winter because we spend more time indoors. However, there are health benefits related to reducing screen time, including improved physical health, decreased obesity, and more time to play and explore. Take time this fall to set expectations with your family for the number of hours per day, along with creating phone-free zones or times.

3. Evaluate how much and what type of news you consume. It’s important to be informed about the world around you, but 24/7 access to news reports can be overwhelming. Ongoing negative news coverage can significantly affect your mood, especially if you consume news that tends to highlight suffering and emphasize feelings of fear or sadness. Track the amount of time you are spending watching television, listening to the radio, or reading online news coverage. Set a goal to consume only reliable news sources that report facts, and avoid media that

sensationalizes emotions. Limit your exposure or take a break from news and social media if you find that it makes you anxious.

4. Acknowledge changes in holiday traditions. Social distancing and masking recommendations likely will change some of your holiday traditions this winter. Start a conversation early with your loved ones about expectations and necessary changes. Be mindful of the little things that bring you joy and look for ways to celebrate safely together, even if it is virtually.

5. Learn a new relaxation exercise. Relaxation techniques are a great way to help with stress management. Practicing relaxation techniques can have many benefits, including slowing heart rate, lowering blood pressure and fatigue, improving concentration and mood, and reducing activity of stress hormones. There are many different types of relaxation exercises, including deep breathing, meditation, progressive muscle relaxation and others. These techniques take practice, so start in the fall so you can reap benefits during the winter. Talk with your health care provider for recommendations. Or you can check out a book at your local library or find an online resource to guide you. There are also meditation apps that can lead guided meditations and be helpful. Some cost a monthly fee but many give one month free as a trial period.

6. Plan ways to give back. Look for ways to help your community, such as blood donations, checking on older people in your neighborhood, or donating supplies or money to local organizations. Helping a cause larger than yourself can give you a sense of purpose and fulfillment and focus your thoughts on the present and things to be grateful for today.

7. Engage in play. Find an activity to engage in, such as something you enjoy so much that you lose track of time while doing it. It may be an activity you haven’t done for a while, a new one you’ve been meaning to try or something completely out of your comfort zone. This kind of play gives us the opportunity to relax our bodies and minds and take a break from the constant pressures of daily life. Engaging in these types of activities also decreases feelings of irritability and increases social, emotional, and physical connections.

8. Seek professional mental health. Feelings of stress and anxiety are common and normal. It’s your body’s way to warn you of harm. If your stress and anxiety seem to be taking over your life, it’s time to seek professional help. Starting the conversation with your health care provider or establishing care with a licensed therapist in the fall can help you find solutions as we go through winter with COVID-19 in our communities.

About Karla:

I am from Red Lake Falls, Minnesota, a very small community in the northwest corner of Minnesota. I graduated from high school there and then from the University of North Dakota in Grand Forks in 1993, with a Bachelors in Accountancy degree, summa cum laude.

What is your work background?

I passed the CPA exam and then worked for a large regional CPA firm in Thief River Falls after college. After leaving that firm, another CPA and I started a small CPA firm in Thief River Falls, specializing in accounting, tax, and lawful gambling work. I met my husband, Jack, while working in Thief River Falls and we decided to move to his hometown of New Ulm. I worked for a few New Ulm firms, then Jack and I opened our own CPA firm in New Ulm in January 2006. We later purchased a building and currently operate our practice at 107 S. Broadway St. in New Ulm.

What made you decide to go into finance/tax field?

I originally thought about becoming a meteorologist and really didn’t like calculus, so that ended that! It’s also kind of funny that I don’t really like math. When speaking to aspiring young accountants, I explain that math is only a tool that we use. Accounting/tax is about strategizing for

Karla Havemeier, LTD

CERTIFIED PUBLIC ACCOUNTANTS

our clients and helping them achieve their financial goals and minimize their tax burden. I love this about being a CPA.

How long have you been in this field?

I have been in the profession for more than 27 years.

What do you enjoy most about your job?

This is a very easy question to answer—our clients and our employees. Our firm has the most wonderful clients and friends. We enjoy helping them each and every day. Every client has different challenges and needs and they are the most important to us. There is a lot of variety in our work here at the firm. Our employees are also very important to us. They are our second family and a very talented group of individuals.

What do you find challenging?

The most challenging parts of what we do include ever changing laws and rules, and also the deadlines.

What would be the top 3 tax tips you’d give people to prepare for the next year’s tax season?

We are in a very uncertain time. The pandemic has resulted in many tax law changes that impact almost everyone. The best advice I can give taxpayers is to review your income, expenses, withholdings, etc. so you avoid surprises at tax time. If they have never had a tax-planning appointment, this may be the year to get one. Taxpayers should maximize lower tax brackets this year, as they may change in the future. I recommend they look at the possibility of doing Roth conversions, selling off stocks with gains, and taking income in 2020. It is a good time to visit with their financial advisor, as well.

What mistakes do you see people make that might save them money on taxes?

We see many people who attempt to do their own tax returns using commercial software. Unless you understand the changing rules, it is likely the return is prepared incorrectly and taxpayers are missing out on tax-saving deductions. At our firm, we often have to amend returns prepared by the taxpayer or by other tax preparers.

What is the advantage to hiring a professional tax preparer versus doing it oneself?

As I’ve mentioned, hiring a CPA firm to do your accounting and tax return preparation will help to ensure that your tax return is prepared correctly, that the taxpayer receives all the deductions he/she deserves. CPA firms have to meet certain minimum hours of training each year, which helps them stay abreast of changing tax laws.

If you could have any other career besides this one, what would it be?

You know, I am very happy I chose this profession and haven’t given much thought to anything else. I do think owning an antique store or selling real estate would be interesting.

If you could have dinner with anyone, living or passed, who would it be and what would you ask him or her?

I lost my mother when she was 47 years old and I was 23 years old. I would love to have dinner with her to see her and visit with her again.

What would surprise people to know about you?

I think people would be surprised to know that Jack and I love to snowmobile. We love to visit antique stores and travel down unbeaten paths.

Front row: Amy Waibel, Julie Ranweiler, Betsy Brueske. Back row: Patty Allen, owners Karla & Jack Havemeier, Jessica Pettersen. Not pictured: Nicole Forster.

Creating a financial strategy for your future.

Financial Analysis and Review Retirement Strategies

Wealth Management

Financial Protection

Business Owners

Kevin Sanger

Kevin Sanger

507‐387-5638 office

507‐387-5638 office

515-341-2151 cell

515-341-2151 cell

Kevin.sanger@securianma.com

Kevin.sanger@securianma.com

Pioneer Bank | 1450 Adams St | Mankato

Pioneer Bank | 1450 Adams St | Mankato

Kevin is a Registered Representa�ve and Investment Advisor Representa�ve with Securian Financial Services, Inc. Securi�es and Investment Advisory Ser‐vices offered through Securian Financial Services, Inc., Member FINRA/SIPC. Securian Advisors MidAmerica is independently owned and operated. 124 East Walnut, Suite 340, Mankato, MN 56001. Neither Securian Financial Services, Inc nor Securian Advisors MidAmerica are affiliated with Pioneer Bank. The Securian Financial name and logo are trademarks of Securian Financial Group, Inc., and have been licensed for use by Securian Advisors MidAmerica. Securi�es are not FDIC insured, not deposits or other obliga�ons of, or guaranteed by Pioneer Bank. Securi�es are subject to investment risk and may lose value, including loss of the invested principal. ADTRAX 2410229 DOFU 02/2019

Kevin is

It’s all in black & white and it’s all pure style. Refresh your closet with truly unique pieces.

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CORINNE JORDAN, MD, FACS General Surgery Physicians Group of New Ulm

QI’m a nurse, and since I have been wearing masks for my long shifts, my skin is breaking out like CRAZY! What can I do?

A“Maskne” is the new “Acne,” and it’s becoming a really big deal. “Maskne” is essentially a fierce combination of acne and irritation from wearing a mask, and has become so prevalent that the Covid-19 task force of the American Academy of Dermatology released some advice on the topic. Masks are essential

accessories for public health, yet they can worsen underlying existing skin conditions or cause new ones. How can you avoid reliving your “pizza face” youth?

Here are some tips:

1. Your mask is underwear for your face

Consider the type of material your mask is made from. 100% cotton is the best option for comfort because it allows the skin to breathe a bit. Try to avoid synthetic textiles if possible as they can trap heat and moisture, leading to clogged pores and bacterial overgrowth. Just like your underwear, masks should be changed daily and washed before use (turning it inside out is also not going to cut it).

2. Simplify the skin care

Wash your face. Keep it simple. All you need is a gentle cleanser and a fragrance-free moisturizer. Check your labels: fewer ingredients is better, and drugstore brands like CeraVe and Cetaphil are great options. Moisturizer not only hydrates the skin, but it also prevents skin breakdown from friction and chafing. Many retinol-containing skin products can dry out the skin—wearing a mask will deepen the product delivery into the skin and can intensify the irritation.

3. Skip the makeup

Consider makeup and skinny jeans welcome casualties of quarantine. If you put on makeup for your video calls, scrub it off before stepping out. Wearing the mask over a full face of makeup will certainly clog pores and cause bacterial overgrowth on the skin, leading to breakouts. Consider switching to a tinted moisturizer and lip balm instead.

4. Treatment options

If, in spite of your best efforts, the Maskne is doing you all kinds of wrong, don’t despair. Try an over-the-counter benzoyl peroxide treatment only on the spots that are flaring up. Start with a low concentration and see how your skin responds. If that doesn’t work, try a salicylic acid containing spot treatment from your local drugstore. If all else fails, your friendly neighborhood dermatologist can prescribe some hydrocortisone cream.

Stay healthy, friends!

BANKING THE WAY IT SHOULD BE

Stefanie: Life to go back to “normal” (schools, no masks etc.)

Jill: ...to see a vaccine, packed restaurants, healthy small and family businesses, bustling schools, full sports arenas, tons of live theatre, a booming tv/film production industry, friends and family back to work, and a fuller, better knowledge of COVID19.

Lisa: For the kids to be in school safely!

Maria: To throw a wedding reception for my daughter & her husband who were married this past June. Even though we had a fun, beautiful, stressfree, very personal wedding (immediate family only)- it would be fun to celebrate with friends & family.

Lisa: Peace.

Kiersten: To feel at peace.

Cole: To practice slowing down and really being there in the moment. So much of this year will be looked back on as negative memories, BUT we will never be given this extra time with family again. Enjoy the little things more.

Kathy: My job back.

NEW YEAR'S GOALS

The journey starts with you

At Jo’s – I'm all about REAL PEOPLE, REAL FOOD, and REAL RESULTS. I have been in the fitness industry for over 25 years – guiding and training people through lifestyle changes. My mission has always been that of strength-based training and evolving into the best version of you.

My excitement in training people is obvious from the first time we meet. I train across the spectrum - from those making lifestyle goals and changes – whether it's through strength, restorative or athletic based training, and weight management plus a whole lot more...

I care about every client I train. Success & goalbased training is my mission. My gym supports everyone in a non-intimidating atmosphere – so whether you are a novice or a seasoned athlete, you are always welcomed at Jo's.

Sue: To see the Broadway show I was supposed to see in October!

Shirl: Hug my mom in long term care.

Dorothy: Unity & peace in the United States of America.

Jill: Unity.

Carolyn: A vaccine for the Corona virus.

Adrienne: An effective vaccine!

Vikki: To be able to see my family.

Jean: To share hugs with everyone.

Lisa: To go visit my mom.

Mary Ellen: Go somewhere warm for a week.

Jenna Marie: People genuinely happy.

Chelsey: To see smiling faces.

Stacey: To go on vacation!

Kris: To launch a new online home fitness program!

507-995-0317

FACEBOOK POLL

Another year, another gardening season. Though I’m always grateful for the rest that winter provides—and I don’t like to wish time away—I have to admit I’m already wildly eager for spring. I don’t usually make New Year’s resolutions, but I think that 2021 is a good year to be resolute, briefly defined as “admirably purposeful, determined, and unwavering.” I think we could all use some unwavering purpose and determination in our lives after the past year’s events. And so, I’m looking forward to my 2021 garden with hope—hope that I can contribute to my community’s well-being, do my part to protect the environment, and relax and generally enjoy myself as I tend to happy, healthy plants.

Use my leaf blower less and my broom more. Sweeping is good exercise, and leaf blowers cause air and noise pollution, even if they are convenient.

Divide my most well-established perennials and share the extra plants with neighbors and friends. I might even have a small virtual plant sale and donate the proceeds to a local charity.

Plant at least one new tree. Our beloved old redbud tree has been declining over the last few years, and we’ll probably have to replace it this summer. We’ll probably plant a Korean maple in its place.

Resist the urge to plant my annuals and veggies too close together. They always end up too crowded, which means that they rarely produce as much as they should. If I space everything properly, I can increase our harvest yield.

Try new recipes with the vegetables I grow in my garden, especially the old standbys like rhubarb and tomatoes. I recently read a savory recipe for rhubarb; I’m skeptical, yet willing to attempt it. I’m

also interested in learning to ferment more of my produce.

Either grow an appropriately small amount of lettuce for one household or successfully give away all of the excess lettuce we always accidentally grow.

Actually smell more roses. My ‘Crown Princess Margareta’ climbing rose is especially fragrant and delicious, and after three years of getting her roots established, she’s bound to put on a heavy flower show this summer.

Only fertilize my gardens if there are nutrient deficiencies, so I can help limit excess nitrogen and phosphorus running off into our water supplies. If I think I need to fertilize, I’ll get a soil test to confirm that it’s truly needed.

Pick my homegrown flowers and give bouquets to people I love. I’m planning to have lots of dahlias in 2021, including such stunning cultivars as ‘Who Me?’ and ‘Fire Magic,’ and they’re perfect for long-lasting bouquets.

Rest enough that my garden chores don’t sometimes feel like a burden. Every weekend day doesn’t need to be a gardening marathon!

Remove a little more lawn to add a little more garden. (Shhh… don’t tell my husband.)

Grow enough hops to harvest them and perhaps attempt a batch of homebrewed beer.

Water my trees and evergreens regularly throughout the season (until the ground is completely frozen), which will help protect them from winter damage.

Keep leaf litter and other organic material in my gardens over the winter, providing food and shelter for native wildlife, including bees and other pollinators.

Have as many garden gatherings as COVID allows. It brings me endless joy to share my beloved outdoor space with other people! If you know where to find me, you’re invited any time.

LAURA SCHWARZ New Ulm native Minneapolis-based horticulturist & writer

Q: What could refinancing actually do for me? I want to save money but I don’t know how much I could actually be saving.

A: This is a great question because there is no one answer. We can’t say that lowering your interest rate by 0.5% is going to save $50 because everyone’s principle balance, loan term, and financial goals are different. When you are looking at refinancing my advise is to get a quote and focus on what your payment is going to be. The rate doesn’t solely determine what your mortgage payment will be, we also have to factor in the principle balance and the loan term you would like to have. So lets say refinancing will save you $100 per month. You look at that and think hmm, $1200 a year, not bad. But then consider the cumulative impact that will have for you. In 10 years that’s $12,000, or $36,000 over a 30 year term. Those are huge savings. The other aspect of refinancing is that it gives you the opportunity to reduce or eliminate any mortgage insurance you are paying on your loan. So lets say you’re saving the $100 per month on your payment from lowering your rate AND you are eliminating the mortgage insurance on your loan which costs $125 per month. Now we are saving, $225 monthly, $2700 yearly, and $81,000 over the life of the loan. To find out what you could be saving on your mortgage you just need a couple minutes over the phone to put together a few details so we can put together an estimate that helps you reach your financial goals. A few minutes of your time to see if you could save thousands is a pretty good trade off if you ask me.

Thinking about purchasing a home? 150620

Q: I am looking at purchasing my first home but I don’t know what to expect during the process.

A: The pre-approval portion of the loan process is very quick and simple. We can actually complete this portion of the process with a quick phone call and your basic information. During the loan process we communicate with you to get each step completed quickly and as easily as possible. Think of your loan officer as your tour guide. We are here to answer questions, point out the major things you need to complete, and look out for any obstacles in your way. If you have specific questions we are here to help, otherwise we can walk you through the process step by step using homeownership counseling resources, timelines, or just a conversation over the phone to straighten out any confusion.

Nicole Bangasser is a Senior Loan Originator and Vice President of Marketing and Community Involvement for PrimeSource Funding. Her office is located at 1751 N Victory Drive Suite 500 in Mankato MN. Nicole enjoys helping people reach their homeownership goals through new purchase and refinance loans.

Cats are often like potato chips. You can’t stop at just one. When clients come to us with concerns about their cat urinating or defecating inappropriately, scratching around the house, fighting with one another, or hiding a lot, some of my first questions are how many cats do you have and how do they get along? People almost always answer with “more than one” and “they get along fine.” But do they really?

An outdoor cat would hunt roughly 30 times a day and eat a fraction of those meals. They have territories that allow them to be social with only those they choose to be social with. They poop and pee in various textures and whenever they want. When we bring them inside we expect them to abide by our human rules. With rules comes stress. Adding cats into the home is like an arranged marriage. Either they learn to get along (world peace), they end up liking each other, OR they never like each and doom your home to chaos.

Cats that enjoy each other’s company groom one another and sleep near or next to one another. If you are not seeing this behavior between your

furry felines then there is most likely trouble in paradise. Cats don’t always fight outwardly like dogs. Cat attacks are sneaky and well thought out. A cat that is being a bully will often sit in the middle of the hallway, the top of the stairs or in any path that leads to a resource such as a litter box, food/water, or a favorite resting spot. They lie in the path and stare down the innocent bypasser. As the “innocent” cat walks by, the bully will often times flick its tail, vocalize, swat, and sometimes even chase. The “innocent” cat decides it’s not worth the trip to the resource and often times starts to hide, urinate somewhere else, or avoid the food/water station. When the victim starts to run, the chase begins and this often escalates the attacks. The longer these attacks take place, the worse the behavior will become. The attacks that started with close contact now start when they see one another from across the room and maybe even when they hear one another. Don’t get discouraged. There is a lot you can do to help a struggling relationship, although nothing is guaranteed. The first thing I would recommend starts at the beginning. When bringing home a new cat, the newest member should be contained to a safe room with a closed door. The cats should be fed on opposite sides of the door and should be able to eat on opposites sides without vocalization. I also recommend placing a shoelace under the door with a toy tied on each end so they can interact and play with one another without direct contact. After the first few days, I recommend switching the cats. The newcomer should now have access to the rest of the house while the resident cat spends time contained in the room. This way the resident cat is allowed to smell the newcomer and the new cat is allowed to smell the home, find resources and hiding spots without being stalked. The cats should remain separated until they can eat on each side of the door without vocalization or stress. When they are allowed to come together, there should be a wand toy, treats, or canned food used to distract them from having sole attention on one another. Slow introductions should take anywhere from a week to a month. Slow and steady wins the approval. Throwing cats together to let them figure it out will backfire more often times than not. Plus, you never get a second chance to make a good first impression.

If your cats are already living together and not getting along, then try some of these tips. Be sure to have litter boxes spread throughout the home. If all the boxes are located in the basement, then the bully just has to wait on the steps, and he has all of them guarded, forcing the victim into a dicey situation. Boxes should be in different rooms of the house and on different floors. This way the bully can’t guard all locations. This goes for water and food stations as well. I also recommend adding a bell collar to the bully so the victim always knows his location. Now the victim has time to escape. Safe spots should be provided for each cat, such as separate rooms. You should also consider adding more room to the home by extending space vertically. Some cats like to be up high—these are usually confident cats that like a birds eye view—while others are “bush dwellers” and prefer to hide under things. Observe your cats and then provide these opportunities.

Getting along with family members is tough, but it would be incredibly uncomfortable to live in a home where you are in a constant argument. Show your cats some love and help keep the peace.

NICOLE LUECK, CVT MN Valley Pet Hospital Mankato

The start of a new year is a great time to renew your focus on YOU and your wellbeing. The experts at the Global Wellness Institute define wellness as “the active pursuit of activities, choices, and lifestyles that lead to a state of holistic wellness.” Wellness is more than just physical health. Many models of wellness are made up of several domains, including physical, mental, emotional, spiritual, social, and environmental.

At CADA, we have a Wellness Committee that leads the organization’s efforts in creating a culture of wellness where advocates and staff are supported and as they manage burnout, and the secondary trauma that comes with serving victims and survivors.

The staff at CADA has compiled a list of books and podcasts that anyone can enjoy and use as you focus on your own wellbeing.

A Book That Takes Its Time: An Unhurried Adventure In Mindfulness by Irene Smit

This book is about the benefits of not multitasking and the power of slowing down. A Book That Takes Its Time mixes reading and doing—part workbook, part journal, and part guide. In this book, you’ll find articles, inspiring quotes, and goodies like bound-in cards, minijournals, stickers, collage supplies, and more. As you move slowly through this book, you’ll have opportunities to reflect, grow, and practice mindfulness.

Recommended by Erika, Community Advocacy Manager at CADA

“I loved that this book pushed me to be creative, because it isn’t something that is a strength of mine, but the authors made it approachable— journaling, collages, and sending postcards to loved ones. This book introduces mindfulness in a very fun way!”

The Happiness Lab podcast from Dr. Laurie Santos

In this podcast, Yale professor Dr. Laurie Santos covers the latest scientific research on happiness and shares some surprising stories and insights that might just change the way you think about happiness. This podcast disrupts what many of us think will bring us more happiness—more money, a better job, a new wardrobe. By sharing insights from research on science, culture, and history, Dr. Santos gives listeners a new perspective on mental health and happiness.

Recommended by Julia, Blue Earth County Community Advocate “I really love how it goes into the brain science and social research about different concepts related to happiness and then gives practical tips for utilizing that information in our lives.”

The Little Book of Hygge: The Danish Way to Live Well by Meik Wiking Denmark is often said to be the happiest country in the world and that’s because of HYGGE (pronounced hyoo-guh). Hygge can be described as a philosophy of comfort, togetherness, and well-being. Hygge is cozy. Hygge is feeling at home. Author, Meik Wiking says that, “Hygge is the sensation you get when you’re cuddled up on a sofa, in cozy socks under a soft throw, during a storm.” This book demonstrates why hygge is the key to happiness for the Danish, and helps you bring more hygge into your home and life.

Recommended by Kristen, Development & Communications Manager

“I always feel very influenced by my environment, and I loved this book because it was all about how you can create an environment that makes you feel happy, cozy, and at ease. I’ll be using a lot of what I read in this book to get through this winter when I’ll be at home a lot!”

Unlocking Us podcast from Brené Brown Brené Brown has spent over 20 years researching vulnerability, courage, shame, and empathy. She explains, “We are hard wired for connection, and connecting requires courage, vulnerability, and conversation.” In Unlocking Us, Brené Brown has conversations with myriad guests about the parts of life that make us human.

Recommended by Jason, Executive Director at CADA “I love Brene Brown’s Unlocking Us podcast. Although it’s not your typical wellness podcast, I appreciate the way it normalizes our feelings and experiences, especially during these difficult times. It also provides me with continual learning around what it means to show up wholeheartedly. To me, this is an indispensable part of wellness.”

The Happiness Planner by founder Mo Seetubtim

This inspirational planner can help you organize your calendar, but can also help you set and achieve your goals. This planner is designed to help you become happy, whole, and fulfilled. There are various versions of The Happiness Planner to fit different goals and lifestyles.

Recommended by Debi, Child and Family Advocate at CADA “I really enjoy the Happiness Planner because it gives me an opportunity to break down and improve my inner dialogue. It walks me through practicing gratitude, goal setting, and reflecting on lessons learned.”

Whether or not you set New Year’s resolutions, the time is always right to focus on your wellbeing and happiness.

KRISTEN WALTERS Development & Communications Manager CADA, Mankato

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ALPHA MEDIA OF MANKATO IS THRILLED TO ANNOUNCE THE PROMOTION OF SHANNON MAGERS AS THEIR NEW MARKET MANAGER.

JanuaryMust

4. Cuddle Up! Bumbelou baby must-haves: soft sleepers, cozy booties, snuggly blankets, and a lovable stuffed friend!

Bumbelou Mankato

405 N Riverfront Dr. Mankato, MN 56001 507.594.9072

Bumbelou New Ulm 5 N Minnesota St. New Ulm, MN 56073 507.594.9072 bumbelou.com

8. Renewal by Andersen

Windows: Professionally Installed by Schmidt Siding & Window

1. Healthy, Vibrant Rejuvenated Skin

5. FitBit Versa 3 Smartwatch

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Skin Essentials offers DERMALINFUSION®, an advanced skinresurfacing treatment that simultaneously exfoliates, extracts and infuses skin with condition-specific serums for an all-inclusive treatment in one step to improve skin health, function and appearance with no downtime. Call Skin Essentials and schedule a free consultation to discover if DERMALINFUSION is right for you.

Skin Essentials, Mankato Clinic

1400 Madison Ave. Suite 400A Madison East Center Mankato, MN 56001 507.625.6599 skinessentialsmankato.com

8.

2. Fit to Celebrate!

A memorable occasion calls for a perfectly fitted dress or gown. Re-sizing, custom alterations, rebeading and more will put the YOU in your uniquely special day. Pins and Needles

Alterations

Stay motivated & healthy with the FitBit Versa 3 Health and Fitness Smartwatch. This smartwatch is loaded with health & fitness features including sleep tracking, all-day activity tracking, & personalized reminders to keep you on track with your health and fitness goals. Stay on track & reach your goals. Scheels River Hills Mall 1850 Adams St. Mankato, MN 56001 507.386.7767 scheels.com

6. Kick Start Your New Year Performance Inspired was created to provide better all-natural, yet affordable, high performance sports nutrition for every athletic level. Taste why all-natural is better, only at your local Hy-Vee.

Hy-Vee Hilltop 2010 Adams St. Mankato, MN 56001 507.625.9070

Hy-Vee Riverfront 410 S. Riverfront Dr. Mankato, MN 56001 507.625.1107

7. No fear winter gear

You can be confident in Renewal by Andersen® custom replacement windows, which are backed by one of the strongest transferable warranties in the industry. Soon you’ll be saying, “I love our new windows.” Schmidt Siding & Window expert crews install them all year round. Renewal by Andersen® windows are custom-made to fit within the exact space of an existing window. They are an easy, hasslefree way to enhance your home’s comfort and appearance without the major disruptions that often come with remodeling projects. Schmidt Siding & Window 901 N 5th St. Mankato, MN 56001 507.625.6412 schmidtmankato.com

9. Our Traveling Showroom

Blinds & More travels to your home or office with custom samples. We offer window coverings and interior design services. Our team will travel within a 60-mile radius of Mankato. Schedule your FREE consultation today!

Blinds & More Window Coverings

507.380.5019

blindsandmore.org

10. V-Neck Sweater

This off the shoulder v-neck sweater is the perfect for our unseasonably warm winter. Pair with a neutral bralette for a cute and cozy style. Her Happy Place 217 S. Minnesota Avenue St. Peter, MN 507.931.0008 herhappyplaceshop.com

11. Morpheous8 Micro-Needling

3. Luxury Massage Chair

Experience our all new headto-toe contact free massage. This 4D massage technology mimics the hands of a professional masseur. Melt away your stress and become completely engulfed in relaxation. Add a massage to any service for only $25!

Body Concepts LLC

1615 N. Riverfront Dr. Mankato, MN 56001

507.381.5467 bodyconceptsmankato.com

Bundle up and enjoy the great outdoors with a variety of cold weather outerwear. Insulated coveralls, mittens, hats & more for the entire family keep you cozy on your downhill run or neighborhood snowball fight! C&S Supply 1951 N. Riverfront Dr. Mankato, MN 56001 507.387.1171 or 800.879.1938

Morpheus8 combines the power of micro-needliing and RF (radio frequency) to penetrate deeper into the skin than any other microneedling device allowing it to stimulate collagen production to truly contour and transform different parts of the body. The result - a smoother and sleeker appearance. Book your appointment online today! Mankato Med & Skin Clinic 1603 N Riverfront Drive Mankato, MN

507.382.8356 mankatomed.com

5.

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For many of us, the new year means a fresh start and the chance to set new goals. As you consider your resolutions, you may want to add “strengthen my financial foundation” to the list.

Here are five ways you can put yourself on firmer financial footing in 2021:

#1 – Identify what’s working and what isn’t

There may be aspects of your financial life that are meeting your expectations and others that aren’t. Most important is to determine if you are on track to achieve key financial goals. Are you saving enough for retirement or your kids’ college education? Do you have enough in your emergency fund? Are your investments well positioned for the long run? Consider meeting with a financial advisor to get an objective opinion on what’s working and areas of potential improvement.

#2 – Develop an achievable spending plan

There is a constant tug-of-war between spending money and saving it. If you can find ways to trim your spending, you’ll have more money to set aside toward your most important goals, such as retirement and education funding. It may start by establishing a spending cap for each month.

#3 – Boost your retirement plan contributions

Any time you receive a raise at work, consider adjusting the money you set aside for your retirement accounts by a comparable percentage. For example, if you invest $200 per paycheck into your workplace retirement plan, and then receive a three percent raise, consider increasing your retirement plan contribution to $206 (equal to three percent). Making that a regular habit can help you achieve your goals more quickly.

#4 – Make sure you are set for emergencies

A rainy day fund is foundational to your financial plan. In times when you face an increased risk of an interruption to your income (like in today’s more economically challenged environment), it takes on added importance. You want at least threeto-six months of expenses covered by your emergency fund. If you are short of that, make a priority of adding to it.

#5 – Explore your borrowing options

If you are paying a mortgage, car loan, student debt or credit card balances,

MELISSA LUETH, APMA®, MBA Financial Advisor Wealth Management Solutions

consider more cost-effective ways to manage your debt. Finding ways to refinance debt at a lower interest rate is one consideration. Another is to focus on paying off the most expensive debt more quickly. Check your credit score to determine how it might impact your financing options. Gaining more control over debt is an important way to improve your financial standing over the next year.

Focus on fundamentals

Good intentions are in ample supply at this time of year. The key to making meaningful changes is to focus on the fundamental aspects of your financial life and follow through on the plans you make. Working with a financial advisor can help you be more accountable and provide guidance to help you stay on track.

Melissa Lueth, APMA®, MBA, is a Financial Advisor with Wealth Management Solutions, a private wealth advisory practice of Ameriprise Financial Services, LLC. in St. James, MN.  She specializes in fee-based financial planning and asset management strategies. To contact her, 507-375-5917, 805 1st St S St. James, MN or her website at www.ameripriseadvisors.com/melissa.lueth. Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

Ameriprise Financial Services, LLC. Member FINRA and SIPC. © 2020 Ameriprise Financial, Inc. All rights reserved.

Imagine you are in a tug-of-war with a monster who represents all of your anxieties and bad feelings. You are on opposite cliffs. Between you is a bottomless drop off. You strategize. If you pull hard, the monster can fall into the abyss. If you pull too hard, the monster may jump the abyss and attack you. If you don’t pull hard enough, you could end up in the abyss.

Are you losing sleep over your finances?

Is there another option? Yes. Let go of the rope. Our first tendency is to solve the problem, but sometimes our job is to let go of the rope. This can be a very freeing feeling.

This brain exercise can help us envision those bad feelings, anxieties and worries that we are hanging onto. You can also use this exercise in situations that arise in your daily life. Ask yourself is this a situation where I can drop the rope?

As we happily flip the calendar to 2021, think about what you can let go of in your life. This is not to say you are giving up, but you are willfully accepting things that are outside of your control.

So now let’s move on to the things you can control. “The Brain Bible,” by John Arden, PhD, offers an excellent acronym – SEEDS – to achieve well-being and promote good mental health.

S – Social support: Isolation and loneliness affects the brain and accelerates aging. Social interaction promotes a sense of safety, belonging and security. Socializing actually decreases stress hormones. While socializing may still mean phone calls, Facetime and virtual gettogethers in the short-term, keep reaching out.

E – Exercise: When you exercise, the body releases endorphins which can help reduce your risk for depression and anxiety. A brisk walk can both lift your mood while relaxing and calming you.

E – Education: Learning new things or picking up a new hobby can keep your mind and body active. You can expand your knowledge, gain new experiences and train your brain to handle new challenges.

D – Diet: Eat well and move away from fatty foods, simple carbohydrates such as sugar, bread and baked goods made with white flour, soda and sugary beverages. Add more fruits, vegetables, lean proteins, whole grains and nuts into your meals and snacks.

S – Sleep: Make sleep a priority in your life. Practice good sleep hygiene such as going to bed at the same time each night, making sure your bedroom is quiet and relaxing with the absence of electronic devices such as a TV. Sleep is key to managing our moods and helping us think more clearly.

You can turn SEEDS into a New Year’s resolution by breaking it down. We tend to overshoot and give up when it comes to resolutions. Instead set small, realistic goals to get to where you want to go. For instance, set goals to call someone every day, go for a walk 3 times a week, add a fruit or vegetable to your lunch, knit a scarf in February, and enjoy the sweet comfort of your bedroom.

Here’s to a happy and healthy New Year!

KATIE WOJTALEWICZ, PSYD, LP, Mankato Clinic Department of Psychology