Sun Patriot http://sunpatriot.com The Waconia Patriot, Carver County News and Norwood Young America Times Sat, 28 Mar 2015 14:00:34 +0000 en-US hourly 1 Cologne Council makes offer to city administrator candidate http://sunpatriot.com/2015/03/28/cologne-council-makes-offer-to-city-administrator-candidate/ http://sunpatriot.com/2015/03/28/cologne-council-makes-offer-to-city-administrator-candidate/#comments Sat, 28 Mar 2015 14:00:34 +0000 http://sunpatriot.com/?p=51784 by ADAM GRUENEWALD
NYA Times

A young candidate has emerged in Cologne’s search for their next city administrator.
Cologne council members approved an offer letter to Jesse Dickson on Monday night.
Speaking on Monday prior to the meeting, Mayor Scott Williams was optimistic that Dickson would approve the offer, which includes a salary figure in the $60,000 range and a deadline of March 27.
About 17 applications were received for the position with Dickson and fellow finalists Adrian Welle and Karin Elhard getting invited for an interview with the council.
Williams said that Dickson emerged as a strong candidate through discussions after the interviews, with a straw poll 4-1 vote taken in favor of Dickson.
“We were going back and forth discussing two candidates,” said Williams. “This one had this and the other had this, where this one didn’t have that and this one didn’t have that.”
The 25-year-old Dickson had an internship with the City of La Crescent when he was a student at Winona State University, where he graduated in 2013 with a bachelor’s degree in political science and government. He currently works as a business consultant at First Choice Merchant Services in La Crosse, Wisconsin.
“It’s a tough decision,” said Williams. “I think we had some good candidates and that we probably went with one that has not quite as much experience in a couple of areas, but that’s the way the council went with it.”
Outgoing City Administrator John Hendel who announced his resignation in January, has plans to take a job in the private sector in March with a former business associate.
Hendel will be the director of connect events with Ohio-based Meister Media, where he will be working remotely to handle events for people on the business and supply side of the market.
Hendel’s letter of resignation, dated Jan. 20, was officially approved by the council during its regular meeting on March 16.
In the letter, Hendel thanked the city.
“It has been a pleasure working for the City of Cologne over the last two years,” he wrote. “The city is poised for continued growth and I wish you all much success with upcoming projects.”
Hendel’s last day is expected to be Friday, April 3, but he has assured the council he will work in the transition process to recruit and train his replacement.
“Thank you again for the opportunity to work for the City of Cologne,” he wrote. “I wish you and the staff all the best and I look forward to staying in touch with you.”
Williams said that he is hopeful that Dickson will accept the offer.
“It would be nice,” he said. “But we’d sooner be cautious than rush into it.”
In other news, council members reviewed the 2015-16 sanitation haulers license renewal for Organic Disposal and Waste Management and approved updates to the City of Cologne Employee Policy Handbook which incorporate state laws and approved $500 for Bolton and Menk to submit an application for PFA loan for a water treatment facility application for the water treatment facility.
They also looked at and ultimately tabled upgrades or repairs to treadmills at the fitness center, which were brand new when the center opened in 2006.
The estimated cost to repair the three machines is $3,150 which includes deck and belt replacement and rear roller replacement.
The cost to replace three and add a fourth would be $16,275.99, which includes a trade-in of three treadmills.
Williams said they tabled the decision to place survey sheets in the fitness area and get feedback.
“We want to see what they wanted for the treadmills or if they wanted something different,” he said. “We want to get some feedback on what they’re looking at.”
The Cologne City Council will next meet on Monday, March 30, at 6:30 p.m.

Contact Adam Gruenewald at adam.gruenewald@ecm-inc.com.

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Nancy Schultz http://sunpatriot.com/2015/03/27/nancy-schultz-2/ http://sunpatriot.com/2015/03/27/nancy-schultz-2/#comments Sat, 28 Mar 2015 00:53:38 +0000 http://sunpatriot.com/?p=51870 Nancy  Schultz

Happy 50th Birthday
Nancy Schultz
April 7th

Nick, Tyler (Krissy), Brittany (Jon), Luccas, Mom, Joanne (Gordon), Daryl

Luv You More!

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Klema / Hoese http://sunpatriot.com/2015/03/27/klema-hoese/ http://sunpatriot.com/2015/03/27/klema-hoese/#comments Sat, 28 Mar 2015 00:53:31 +0000 http://sunpatriot.com/?p=51867 Klema / Hoese

Dale and Luann Hoese are pleased to announce the engagement of their daughter, Jenny Hoese to Mark Klema, son of Wayne and Brenda Klema. Mark graduated from KMS High School in 2000 and the University of Minnesota in 2005. He is presently employed as a civil engineer at Bolton and Menk of Willmar, Minn. Jenny graduated from Watertown-Mayer High School in 2006 and Minnesota State University, Mankato in 2010. Jenny presently is a RN at Fairview Southdale Hospital in Edina, Minn.
After the wedding, Jenny will be working as a RN at Rice Memorial Hospital in Willmar. Mark and Jenny will be married on May 2nd at St. Peter’s Catholic Church in Delano, Minn. Following their marriage they will make their home in Willmar, Minn.

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Lowell Otto, 78 http://sunpatriot.com/2015/03/27/lowell-otto-78/ http://sunpatriot.com/2015/03/27/lowell-otto-78/#comments Sat, 28 Mar 2015 00:52:45 +0000 http://sunpatriot.com/?p=51864 Lowell   Otto, 78

Lowell Otto, 78, of Belle Plaine died on Thursday, March 26, at the Lutheran Home in Belle Plaine, Minn.
Lowell was born in Blakeley Twp. on Sept. 26, 1936, to Herbert and Marie (Bussmann) Otto. He grew up in Blakeley Twp. and attended country school and Trinity Lutheran School in Belle Plaine.
He was united in marriage to Eileen Kroells on July 11, 1958 at Evangelical Reformed Church in Hamburg. The couple farmed for about 10 years in the Blakeley area and then moved to a farm in Washington Lake Township, Sibley County in 1968. Lowell was a dairy farmer for many years and also drove a milk route for many years. The couple moved to Belle Plaine in 1983.
He is preceded in death by his parents, grandson, Adam Bullert and wife Eileen in 2014.
He is survived by daughters Cheryl (Stephen) Jaus of Green Isle, Lynne (Merlin) Brueggemeier of Arlington, Brenda (Lowell) Schmitz of Belle Plaine, Pamela (Brian) Bullert of Arlington and Lisa (Glen) Jeurissen of Belle Plaine; 15 grandchildren, Beth Jaus, Melissa Jaus, Ashley Jaus and special Friend Mario Hieronimus, Kalie Brueggemeier, Tyler Brueggemeier, Jeremy (Sarah) Schmitz, Jennifer Schmitz, Megan Schmitz, Emily Bullert, Andrew Bullert, Anthony Bullert, Katlyn Jeurissen, Darren Jeurissen, Dylan Jeurissen and Nathan Jeurissen; two great-grandchildren, Riley Hieronimus and Christina Schmitz; siblings, Wallace (Evonne) Otto of Belle Plaine, Gladys (Gilbert) Mathwig of Green Isle, Marlys (Elroy) Koepp of Belle Plaine and Mary (Roger) Sons of Norwood Young America; brothers-in-law and sisters-in-law, Janice (Otto, “Jr.”) Mackenthun of Hamburg, Lowell (Pat) Kroells of Green Isle, Richard (LaVonne) Kroells of Norwood Young America, Janell (Charles, “Chip”) Nielsen of Sparks, Nevada, and Mary Lou (Scott) Potter of Brooklyn Park; and nieces, nephews, other relatives and many friends.
Funeral services were held at 11 a.m. on Monday, March 30, at Trinity Ev. Lutheran Church in Belle Plaine. Rev. John Meyer will officiate. Visitation was Monday morning at the church. Interment will be in Oakwood Cemetery in Belle Plaine.
Kolden Funeral Services is assisting the family.

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Wildcats look to continue high level of competition http://sunpatriot.com/2015/03/27/wildcats-look-to-continue-high-level-of-competition/ http://sunpatriot.com/2015/03/27/wildcats-look-to-continue-high-level-of-competition/#comments Sat, 28 Mar 2015 00:48:05 +0000 http://sunpatriot.com/?p=51861 The Wildcats are led by a senior class looking to continue a culture of success. Pictured, back row, from left, Taylor Kray, Neil Heldt, Truen Breggemann, Zach Christians, Nick Fettig, Austin Sim and Tyler Nelson. Front row, from left, Alora Rands, Aldcia Alto, Kia Larson, Kaitlyn Schuler, Abbie Cafrella, Emily Zemple and Brooklyn Baker (Patriot photo by James Stitt)

The Wildcats are led by a senior class looking to continue a culture of success. Pictured, back row, from left, Taylor Kray, Neil Heldt, Truen Breggemann, Zach Christians, Nick Fettig, Austin Sim and Tyler Nelson. Front row, from left, Alora Rands, Aldcia Alto, Kia Larson, Kaitlyn Schuler, Abbie Cafrella, Emily Zemple and Brooklyn Baker (Patriot photo by James Stitt)

Head coach: Christian Gilbert (Girls), Tom McDonald (Boys)
Assistant coaches: Cindy Shook (high jump), Peter Hess (mid distance), Kevin Micklo (throws), Trent Hedtke (throws, volunteer coach), Nick Hackman (hurdle), Lauren Rothshiller (jumps) and Michael Kray (pole vault).
Captains: Neil Heldt, Taylor Kray, Alora Rands and Kaitlyn Schuler
2014 results: The Waconia varsity girls won the Wright County Conference, while the varsity boys took third. The Wildcats earned 23 Wright County All-Conference Awards.
The Waconia varsity girls took second at the section 2AA, and had five state qualifiers (long jump, triple jump, high jump, 100-meter, 200, 4×100 relay and 4×200). The Wildcats also set seven school records — the boys pole vault and triple jump, as well as the girls 100, 200, 4×100, 4×200 and 4×800.
Key athletes: Miranda Schultz, Lexi Willems, Katherine Jensen, Kirsten Wagener, Cody Ellis, Jacob Fettig, Charles Frempong-Longdon.
2015 outlook: “Waconia is in a tough track and field conference and an even tougher section,” said coach Gilbert. “In the past five seasons, our gals have won the conference four out of the past five years, participated in True Team state twice, broke nine out of the 18 all time school records, and have had numerous ladies representing at state …we hope that our gals are competitive this year and can continue on as ‘favorites’ whenever they arrive at a meet.”
The Wildcat boys are looking to build on recent success as well.
“The Waconia guys have always been a scrappy bunch of hard workers and we hope to build on our small successes from the past few seasons,” said Gilbert. “We know these guys could ‘turn heads’ a bit if we can keep them healthy.”
The Wildcats boast a deep roster, with more than 130 high school athletes and 120 junior high athletes out for track and field.
Event to watch for: The week to watch this year for the squad would be April 20-25.
“We have a ton of kids in our track and field program and all aspects of our team are going to be tested during this week and should give the coaches our first real look at our depth of our talent,” said Gilbert.
•Monday, April 20, the Wildcats send the JV squad to Annandale to compete in a Varsity Invite.
On Tuesday, April 21, the varsity team travels to Roseville to take on some of the “Big Horses” of the metro area.
On Thursday, April 23, the Wildcats have another invite in Delano in which they will have a blend of both JV and varsity members.
On Friday, April 24, the ‘Cats will compete at the Nike Elite Meet at Hamline, which is an “invite only” event.
“The Elite Meet is an individual meet in which athletes need to qualify for,” said Gilbert. “This is a prestigious meet and we have had a pretty good showing of Waconia athletes in the past few years.”

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Wildfire to build on impressive finish http://sunpatriot.com/2015/03/27/wildfire-to-build-on-impressive-finish/ http://sunpatriot.com/2015/03/27/wildfire-to-build-on-impressive-finish/#comments Sat, 28 Mar 2015 00:46:33 +0000 http://sunpatriot.com/?p=51859 Freshman Chloe McEnelly takes the puck up the ice in teh Section 2AA quarterfinal. (Patriot photo by James Stitt)

Freshman Chloe McEnelly takes the puck up the ice in teh Section 2AA quarterfinal. (Patriot photo by James Stitt)

The Holy Family/Waconia girls hockey team had a season of ups and downs, but the Wildfire made their mark in the Section 2AA quarterfinals at Bloomington Jefferson on Feb. 6.

“It was awesome that we won our first ever quarterfinal game to advance to the semis, but my most memorable part was how they battled that game,” said coach Ryan Rice. “It was very fun to watch them come together as a team and rally after a poor start in the game. A lot of teams would have ‘packed it in’ after the way we played in the first period.”
The Wildfire fought their way back from an early deficit to take the lead late in the game, only to let it slip away before rallying in the overtime period to earn their first playoff win in six years, defeating the Jaguars 4-3.
“The girls were determined to get back into that game, and they did,” said Rice. “When we gave up a tying goal with about two minutes left in the game I was really nervous that the girls would panic, but they did not. They kept getting stronger as the game went on and then in OT, Abby Hanscom finished the game on a rebound from a Menzuber shot.”
Though the Wildfire’s season came to an end in the next round, the quarterfinal win was a nice exclamation mark on the season. Holy Family/Waconia finished the season with a record of 11-12-4, 5-3-2 in the conference.
With the end of another season, it is time to reflect on the senior class. The Wildfire were led by four seniors, Brooke Riddle, Abby Hanscom, Mackenzie Kratch and Meghan Burmeister.
“This senior class will be hard to replace, not only as hockey players but great kids on and off the ice,” said Rice. “With Brooke Riddle moving back to defense this year we end up losing three senior leaders on the blue line, which will be tough to replace.”
Hanscom was an offensive powerhouse, and put up big numbers for the Wildfire.
“Abby Hanscom has been an offensive leader for us since she started her career with the Wildfire,” said Rice. “She finished her four year career with just over 100 points.”
Kratch made her presence known with tenacity and determination.
“Mackenzie Kratch is a great personality to have on a team,” said Rice. “She works very hard and has a competitive drive that is unmatched by many. I only wished that I could have coached her for more than one year.”
Burmeister was a leader on the team, and will be missed for her character.
“Meghan Burmeister may not be remembered for her outstanding hockey achievements, but she will for her leadership and her heart,” said Rice.
Their careers on the Wildfire girls hockey team may be done, but they are moving on to the great things.
“I know Brooke (St. Bens) and Mackenzie want to play hockey in college,” said Rice. “Hanscom is playing D1 Lacrosse at Gardner Webb in North Carolina, and Meghan is planning on her path to becoming a teacher.”
The departing senior class makes way for a talented group to step up next season.
“Next season I expect our team to be stronger and have more experience than this past year,” said Rice. “We had a lot of girls enter last season without a lot of varsity experience. I think those younger kids were able to grow as the season progressed and were playing well at the end of the season.”
In the 2015-16 season, the Wildfire will boast a tough netminder, who is coming off a standout season.
“We will rely heavily again on Lexi Hartmann in the net to win some games for us,” said Rice. “She has been awesome in the net, and in my opinion had her best season to date this past year. We will look to our strong senior group to lead us and also for the younger players to have a significant role in our success, especially on the blue line.”
Next year, the captains for Holy Family/Waconia are seniors Makayla Williams (Waconia), Lexi Hartmann (Waconia) and Megan Menzuber (Holy Family).
Making the All-Conference team from the Wildfire was Hartmann, Hanscom and Menzuber. Honorable mentions went to Kratch, Riddle, and freshman Molly Garin and Chloe McEnelly.

Contact James Stitt at james.stitt@ecm-inc.com

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Wildcats end season on high note http://sunpatriot.com/2015/03/27/wildcats-end-season-on-high-note/ http://sunpatriot.com/2015/03/27/wildcats-end-season-on-high-note/#comments Sat, 28 Mar 2015 00:44:19 +0000 http://sunpatriot.com/?p=51857 Senior Matt Fulkerson recieved All-Conference honors thanks to his play on the Waconia boys hockey team. (Patriot photo by James Stitt)

Senior Matt Fulkerson recieved All-Conference honors thanks to his play on the Waconia boys hockey team. (Patriot photo by James Stitt)

The Waconia boys hockey team didn’t post an impressive record in its 2014-15 season, but there were plenty of good things happening in the program.

“Taking the record out of it, there was a lot of growth,” said coach Pat Lenton. “It’s tough to see those positives when you don’t see the end results. It was frustrating for me because the kids worked hard.”
There were some challenges and adversity for the Wildcats, which can be expected from a new coaching staff. The senior class faced an uphill battle with a such a big change in their final year, but handled it well.
“They showed the younger kids how to work,” said Lenton. “It was their last season and they were able to make it a memorable one. I thought they kept their heads up and fought to the end.”
The Wildcats showcased their mettle early in the season in a game at Red Wing on Dec. 19. Waconia was coming off two losses earlier in the week, and were faced with a long trip on a Friday before winter break.
Despite committing seven penalties and falling behind by two goals, the Wildcats fought back to win in overtime against Red Wing.
After playing several games in a row and facing a long drive, Lenton said Waconia was mentally and physically exhausted. But fighting through the fatigue and getting a tough win showed the character and determination of the Wildcats.
“It was just a battle,” Lenton said of the game. “We didn’t play our best but we found ways to stay in the game.”
The win came on lots of hard work and effort, and senior Ian Schrup came in and played big for the Wildcats.
“It was such a team win,” said Lenton. “It was gratifying for the kids. They weren’t going to be denied. That is one of the games I’ll always remember.”
Another game that stands out was the Section 2A quarterfinal game Feb. 18 at Chaska. The Wildcats went into the game as the lower seed, having a record of 6-16-3 compared to Chaska’s record of 12-13. Waconia could have laid down after a season of adversity, but it showed its fire in the 4-3 win.
“You never give up, you keep fighting,” said Lenton. “It is something that goes beyond sports.”
The Wildcats displayed that fighting spirit all year long, and it helped them upset Chaska in the section playoffs.
“We talked about how hard are you willing to fight for it,” said Lenton. “We saw these kids were willing to battle for it.”
Though Waconia says goodbye to a strong senior class, there are numerous underclassmen looking to take the reins next season.
The Wildcats boast a small, but talented junior class, a handful of sophomores who have already cemented their roles and some JV players who are knocking on the door of varsity.
“Seeing their growth, I am really excited,” said Lenton. “Not to get to far ahead of ourselves.”
As for postseason awards, senior Matt Fulkerson was named to the All-Conference team, and honorable mentions went to senior Colin Reus, junior Adam Nichols and junior Nick Molinari.
The team awards were voted on by each of the players.
Team MVP went to Nichols, Most Improved went to sophomore Adam Laumann, Rookie of the Year went to sophomores Nick Benson and Ian Miller, and the Wildcat Award went to senior Joey Scarrella.

Contact James Stitt at james.stitt@ecm-inc.com

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It’s MONOPOLY time in Waconia! http://sunpatriot.com/2015/03/27/its-monopoly-time-in-waconia/ http://sunpatriot.com/2015/03/27/its-monopoly-time-in-waconia/#comments Fri, 27 Mar 2015 23:35:00 +0000 http://sunpatriot.com/?p=51769 WP-MonopolyBoard3-CMYK

Rich Uncle Pennybags (aka Mr. Monopoly). Collect $200 Salary As You Pass Go. Take a ride on the Reading Railroad. Free Parking. Community Chest and Chance cards. Illinois Avenue. Boardwalk. Waconia?

As unlikely as it may sound, the city of Waconia will soon hold a permanent place in the iconic universe of Monopoly, the real estate board game that has charmed more than 1 billion players in 114 countries and has been translated in 47 languages since the Monopoly brand was first introduced 80 years ago in 1935.

In honor of the Monopoly brand’s 80th anniversary, Hasbro and entertainment company BuzzFeed collaborated to create the Monopoly Here & Now games, which will feature U.S. and World editions.

According to information released by Hasbro, the Monopoly Here & Now games will be available this fall and will feature iconic landmark tokens and new gameplay where players race round the board to visit as many locations as possible, collecting passport stamps along the way. Players will collect cash from visitor fees when opponents land on their locations and the first player to fill their passport wins.

The property spaces for each edition were determined by fans, who voted online from a set list of cities.

For both editions of the game, fans were invited to “write in” their favorite cities for the two brown property spaces during “Wild Card Week.” Waconia received the most online votes during the week and as a result, Waconia will be part of the game, occupying the space that is normally Baltic Avenue. The number of votes received by each individual city like Waconia were not available.

Waconia Mayor Jim Sanborn was excited to hear about the city’s newest claim to fame.

“What a great piece of news! I think every kid grows up playing Monopoly at some point,” said Sanborn, who was still trying to figure out how Waconia ended up being one of the two “write in” cities for the game.

“I was Googling everything to try to find an organized online campaign asking people to vote for Waconia but I couldn’t find anything,” he said. “On the surface, it really seems like it happened organically.”

Kellie Sites, president of the Waconia Chamber of Commerce, said the chamber has been inundated with calls and emails from people wondering if the chamber was responsible for getting Waconia on the Monopoly board but alas, the answer is no.

“I wish I could say ‘Yes!’” she said. “However this happened, we are so excited about the press this is generating for Waconia. People who live in Waconia love this town so much. I’m sure Hasbro will probably sell a lot of games here!”

According to BuzzFeed, the effort attracted almost 4 million votes cast in 182 countries.

The top property (normally Boardwalk) went to Lima, Peru in the World edition while Pierre, South Dakota took that spot in the U.S. edition, which will actually will feature two cities from Minnesota. Minneapolis received enough votes to become the property normally occupied by Park Place.

Waconia native Shawn Wagener of Chaska claims he voted “thousands of times” for Waconia during “Wild Card Week” in an effort to draw attention to Waconia and all the great things the city has to offer.

“I spent as much time as I could before work, after work, breaks during work … whenever I had time, I would go on the website and vote as time would allow,” Wagener said. “I felt it was important to vote because Waconia was my hometown and I don’t think I would have changed growing up in Waconia for any other place.

“Waconia has a great atmosphere and feel to it, people are great, businesses, schools, lake, parks and recreation, and the list could go on and on,” Wagener continued. “I felt that if I could vote as many times as possible and get Waconia, Minnesota on the Monopoly board, people would want to look us up on the internet and possibly visit to see all the great things Waconia has to offer!”

The excitement shown by voters like Wagener was exactly what Hasbro hoped to achieve with the effort.

“Inviting our fans to get involved in the creation of the newest Monopoly game was a great way to celebrate the 80th anniversary of the brand,” said Jonathan Berkowitz, vice president of global marketing for gaming at Hasbro. “It was amazing to see both fans and local organizations around the world rally behind their cities and we were wowed by the overwhelming pride people displayed during the Here & Now vote.”

It remains to be seen if Hasbro will hold an official event in Waconia to commemorate the release of the game this fall but Sanborn said that local officials wouldn’t let the game’s release go unnoticed.

“We’ll hold a Monopoly tournament in the fall and ask Target to stock up on the game,” he said. “We’ll do some sort of event.”

Asked if he had any other thoughts on the topic of Monopoly, Sanborn did have one other thing to add.

“Always try to get the light blue properties … that always sees to work for me,” he said.

For more information about Monopoly, visit Monopoly.com and Facebook.com/Monopoly.

Contact Todd Moen at todd.moen@ecm-inc.com

 

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Escaping a Financial Trap http://sunpatriot.com/2015/03/27/escaping-a-financial-trap/ http://sunpatriot.com/2015/03/27/escaping-a-financial-trap/#comments Fri, 27 Mar 2015 22:00:47 +0000 http://sunpatriot.com/?guid=b04a31d393b335475c268801a5c66165 The couple had made every mistake you could: retired too early, spent too much, took on too much house and too much debt. “This is killing me,” Sarah told the advisor, as she burst into tears.

Doug and Sarah had left their well-paying jobs in their late 50s, with little idea how they would pay for a long retirement. With anguished faces, they came to Eve Kaplan, an advisor in Berkeley Heights, N.J., for a solution. As a financial advisor, her solution was tough love, and since they were at their wit’s end, they were open to hearing it.

Kaplan and the couple created a plan to save them from personal bankruptcy: sell their home, pay down credit card debt, cut up all cards and only use cash and create more realistic financial goals. “This couple is still working on their recovery plan, yet things are looking brighter,” the advisor says.

When they came to her office, they were laden with paperwork showing their financial distress. The card statements alone were hair-raising. Kaplan says, “They needed an objective person to tell them: Sell the house, tear up the cards and don’t use them again.”

To these well-educated professionals, everything once seemed affordable. He was an executive at a manufacturing company, and she was a community college teacher. Then he got laid off, and they both figured they could afford to kick back.

But they had no idea what their situation truly was. They had paid to put their four children through some of the best – and most expensive – colleges. They lived in a high-toned New Jersey town outside New York City: It had excellent schools. Trouble was, that meant high property taxes.

Although they lived in an elegant home, their net worth was miniscule due to a $200,000-plus credit card debt, a large mortgage and virtually no savings – apart from Sarah’s 401(k). Doug’s 401(k) was gone already. To meet expenses, they had drained his account, which of course incurred taxes and penalties.

“With the kids gone, what they should have done was downsize their lives and Doug should have gotten another high-paying job,” Kaplan says. But they coasted along for a few years. Prolonged unemployment does not look good on a resume.

Their house was beautiful, full of antiques and debt-laden. The place was worth $1.5 million, but it carried $1 million in debt, from both the mortgage and a home equity loan.

So they sold the house and the antiques, and channeled a big chunk of the proceeds to getting rid of the card balance.

Doug and Sarah originally are from Iowa; they have an adult son living there, so the couple moved there to join him. After they retired, their cost of living has declined significantly and they slowly are building up their net worth. Doug found a part-time teaching position and Sarah located an office job.

They don’t have a bright future yet, although they are working on it.

Follow AdviceIQ on Twitter at @adviceiq.

AdviceIQ delivers quality personal finance articles by both financial advisors and AdviceIQ editors. It ranks advisors in your area by specialty, including small businesses, doctors and clients of modest means, for example. Those with the biggest number of clients in a given specialty rank the highest. AdviceIQ also vets ranked advisors so only those with pristine regulatory histories can participate. AdviceIQ was launched Jan. 9, 2012, by veteran Wall Street executives, editors and technologists. Right now, investors may see many advisor rankings, although in some areas only a few are ranked. Check back often as thousands of advisors are undergoing AdviceIQ screening. New advisors appear in rankings daily.

 

 

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The couple had made every mistake you could: retired too early, spent too much, took on too much house and too much debt. “This is killing me,” Sarah told the advisor, as she burst into tears.

Doug and Sarah had left their well-paying jobs in their late 50s, with little idea how they would pay for a long retirement. With anguished faces, they came to Eve Kaplan, an advisor in Berkeley Heights, N.J., for a solution. As a financial advisor, her solution was tough love, and since they were at their wit’s end, they were open to hearing it.

Kaplan and the couple created a plan to save them from personal bankruptcy: sell their home, pay down credit card debt, cut up all cards and only use cash and create more realistic financial goals. “This couple is still working on their recovery plan, yet things are looking brighter,” the advisor says.

When they came to her office, they were laden with paperwork showing their financial distress. The card statements alone were hair-raising. Kaplan says, “They needed an objective person to tell them: Sell the house, tear up the cards and don’t use them again.”

To these well-educated professionals, everything once seemed affordable. He was an executive at a manufacturing company, and she was a community college teacher. Then he got laid off, and they both figured they could afford to kick back.

But they had no idea what their situation truly was. They had paid to put their four children through some of the best – and most expensive – colleges. They lived in a high-toned New Jersey town outside New York City: It had excellent schools. Trouble was, that meant high property taxes.

Although they lived in an elegant home, their net worth was miniscule due to a $200,000-plus credit card debt, a large mortgage and virtually no savings – apart from Sarah’s 401(k). Doug’s 401(k) was gone already. To meet expenses, they had drained his account, which of course incurred taxes and penalties.

“With the kids gone, what they should have done was downsize their lives and Doug should have gotten another high-paying job,” Kaplan says. But they coasted along for a few years. Prolonged unemployment does not look good on a resume.

Their house was beautiful, full of antiques and debt-laden. The place was worth $1.5 million, but it carried $1 million in debt, from both the mortgage and a home equity loan.

So they sold the house and the antiques, and channeled a big chunk of the proceeds to getting rid of the card balance.

Doug and Sarah originally are from Iowa; they have an adult son living there, so the couple moved there to join him. After they retired, their cost of living has declined significantly and they slowly are building up their net worth. Doug found a part-time teaching position and Sarah located an office job.

They don’t have a bright future yet, although they are working on it.

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Lowell Otto http://sunpatriot.com/2015/03/27/lowell-otto/ http://sunpatriot.com/2015/03/27/lowell-otto/#comments Fri, 27 Mar 2015 20:32:30 +0000 http://sunpatriot.com/?p=51844 Image-17428Lowell Otto, 78, of Belle Plaine died on Thursday, March 26, at the Lutheran Home in Belle Plaine, Minn.
Lowell was born in Blakeley Twp. on Sept. 26, 1936, to Herbert and Marie (Bussmann) Otto. He grew up in Blakeley Twp. and attended country school and Trinity Lutheran School in Belle Plaine.
He was united in marriage to Eileen Kroells on July 11, 1958 at Evangelical Reformed Church in Hamburg. The couple farmed for about 10 years in the Blakeley area and then moved to a farm in Washington Lake Township, Sibley County in 1968. Lowell was a dairy farmer for many years and also drove a milk route for many years. The couple moved to Belle Plaine in 1983.
He is preceded in death by his parents, grandson, Adam Bullert and wife Eileen in 2014.
He is survived by daughters Cheryl (Stephen) Jaus of Green Isle, Lynne (Merlin) Brueggemeier of Arlington, Brenda (Lowell) Schmitz of Belle Plaine, Pamela (Brian) Bullert of Arlington and Lisa (Glen) Jeurissen of Belle Plaine; 15 grandchildren, Beth Jaus, Melissa Jaus, Ashley Jaus and special Friend Mario Hieronimus, Kalie Brueggemeier, Tyler Brueggemeier, Jeremy (Sarah) Schmitz, Jennifer Schmitz, Megan Schmitz, Emily Bullert, Andrew Bullert, Anthony Bullert, Katlyn Jeurissen, Darren Jeurissen, Dylan Jeurissen and Nathan Jeurissen; two great-grandchildren, Riley Hieronimus and Christina Schmitz; siblings, Wallace (Evonne) Otto of Belle Plaine, Gladys (Gilbert) Mathwig of Green Isle, Marlys (Elroy) Koepp of Belle Plaine and Mary (Roger) Sons of Norwood Young America; brothers-in-law and sisters-in-law, Janice (Otto, “Jr.”) Mackenthun of Hamburg, Lowell (Pat) Kroells of Green Isle, Richard (LaVonne) Kroells of Norwood Young America, Janell (Charles, “Chip”) Nielsen of Sparks, Nevada, and Mary Lou (Scott) Potter of Brooklyn Park; and nieces, nephews, other relatives and many friends.
Funeral services will be held at 11 a.m. on Monday, March 30, at Trinity Ev. Lutheran Church in Belle Plaine. Rev. John Meyer will officiate. Visitation Monday morning at the church. Interment will be in Oakwood Cemetery in Belle Plaine.
Kolden Funeral Services is assisting the family.

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