November 2014

NOVEMBER 2014

More like home

A new assisted-living community in Excelsior offers charm, warmth Page 38

Second-act success Encore entrepreneurs are delaying retirement to start new businesses Page 34

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HOUSINGES RC RESPOaU ge 42

Estate planning discussion

Talk to your family over the holidays Page 22

Embrace the Future

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CONTENTS 38 FEELS MORE LIKE HOME A new assisted-living facility in Excelsior is small and homey.

34

30 LOVELY LINCOLN

SECOND-ACT ADVENTURES

Just a day’s drive from the Twin Cities, Nebraska’s charming capital is worth exporing.

Encore entreprenuers are forsaking retirement to launch new businesses.

GOOD START

GOOD HEALTH

GOOD LIVING

FROM THE EDITOR 8 Find the golden in your golden years

ASK THE PHARMACIST 16 What’s causing your depression?

FINANCE 22 Estate talks over the holidays

MY TURN 10 Counting my blessings

HOUSE CALL 18 Doctors divided on mammograms

MEMORIES 12 Remembering the Mighty 8th!

CAREGIVING 20 Discovering the joys of caregiving

HOUSING 24 How a tweet could affect your taxes

THIS MONTH IN MN HISTORY 14 Black suffrage in Minnesota

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NOVEMBER 2014

IN THE KITCHEN 28 Tasty chicken with seasonal squash

HOUSING RESOURCE GUIDE

CAN’T MISS CALENDAR 6

TECHNOLOGY 26 Unloading an old Kindle

36 44

BRAIN TEASERS

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NOVEMBER 2014 VOLUME 33 / ISSUE 11 PUBLISHERS Janis Hall jhall@mngoodage.com Terry Gahan tgahan@mngoodage.com

Senior Living with Services Assisted Living Enhanced Care Available

GENERAL MANAGER Chris Damlo 612-436-4376 cdamlo@mngoodage.com EDITOR Sarah Dorison 612-436-4385 editor@mngoodage.com

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CONTRIBUTING WRITERS Alyssa Aguirre Bob Ramsey Suzy Cohen Zoe Gahan Karen Gaskell Carol Hall Skip Johnson Alicia McCann Dave Nimmer Gauri Samant Sandra Scott Richard Sherman Dr. Michael Spilane Krysta Tanico Masha Yevzelman Carla Zbacnik CREATIVE DIRECTOR Dana Croatt dcroatt@mngoodage.com SALES ADMINISTRATOR Kate Manson 612-436-5085 kmanson@mngoodage.com GRAPHIC DESIGNERS Valerie Moe Amanda Wadeson PAGE DESIGNER Kylie Beran CIRCULATION Marlo Johnson distribution@mngoodage.com

50,000 copies of Minnesota Good Age are distributed to homes and businesses metro-wide.

Minnesota Good Age (ISSN 2333-3197) is published monthly by Minnesota Premier Publications.

Minnesota Good Age, 1115 Hennepin Ave. Minneapolis, MN 55403 © 2014 Minnesota Premier Publications, Inc. Subscriptions are $12 per year.

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NOVEMBER 2014

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FROM THE EDITOR ////// SARAH DORISON

GOLDEN YEARS? SOMETIMES, YES! I

’ve been the editor of Minnesota Good Age magazine for about eight months.

In my short time here, I’ve learned a great deal about the vast readership of our magazine — ranging from older adults to adult children of older adults.

Good Age is about aging — and how to do it well — to be sure.

But I’ve also learned this: Our later years truly have the potential to be our golden years. They aren’t always, I admit, sometimes far from it. But I’m constantly seeing examples of folks working to make the best of their time — whether they’re 55 (and lucky enough to retire into a new lifestyle) or 85 and looking for places to find comfort, community and good care.

Two big feature stories in this issue illustrate what I’m talking about: One details the huge trend of encore entrepreneurship, big among baby boomers in the U.S. Encore entrepreneurs aren’t just switching careers. (That may happen many times over the course of a person’s life.) They’re starting all over and finding new passions, and often alternatives to retirement, by starting up their very own businesses.

They’re finding the golden in their golden years by following their bliss and exploring ways to live their values — through business. And many are discovering entirely new, unexpected ways to make money, whether that’s frozen yogurt franchises or smartphone services.

Also in this issue, we have the story of BeeHive Homes, a new assisted-living facility in Excelsior that’s surprisingly small, just 25 units.

Why? More and more older adults (and their families) are demanding that retirement abodes feel like real homes, not nursing facilities.

Though BeeHive Homes is new and decidedly upscale, it’s also priced competitively when compared to other facilities, said the location’s 32-year-old founder Tyler Stevens.

Make no mistake, however, Stevens has more than a business interest in the community. He opened the facility (which is part of a national chain) for very personal reasons. His grandfather was in need of care. And he didn’t like the options available at the time. Now 84, his grandfather is a happy resident of BeeHive Homes, which also offers memory care.

Though the facility filled up in just a few months, more like it are on the way, including a location in Duluth.

This trend sounds like a good one to me. And for families looking for the good life during some of the more trying times of the so-called golden years, it may present yet another golden opportunity.

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Sarah Dorison, Editor NOVEMBER 2014

GOOD START MY TURN ////// DAVE NIMMER

COUNTING MY BLESSINGS I

t’s appropriate this month — of Thanksgiving — to be aware of reasons to be thankful, and not one of those old men who dreams of days that never were and fears the world’s going to hell in a hand basket.

It’s not. And I’ve got a handful of results from a head full of possibilities that give me an attitude of gratitude.

MUSIC FOR THE COMMUNITY

First of all, the Minnesota Orchestra is back, on the stage instead of a picket line. A few players are missing, but Conductor Osmo Vanska is not; his charisma is powerful and palpable. Judging from the concerts I’ve heard, if the orchestra isn’t quite world class, it’s at least U.S. Prime.

For me, it’s as important a thread in the fabric of life in the Twin Cities as the Minnesota Vikings.

And I’m a pro-football fan. The truth is I can go to seven concerts for about what it would cost for a 50-yard line seat at a Vikings game (along with parking, a couple of beers and brats).

LONG LIVE THE NEWS

As long as we’re talking money, Glen Taylor bought the Minneapolis Star Tribune, thus assuring

the paper will be a lively source for news and information for years to come. I believe Taylor when he says he’s interested in preserving a Minnesota institution, and his history as an entrepreneur, citizen and state legislator supports that notion.

The Strib, in my opinion, is one of a handful of metropolitan dailies that’s not only surviving, but also flourishing. When it comes to content and staff, I think Taylor will keep his support up — and his hands off.

While Taylor only just got into the news business, my friend Don Shelby is almost four years retired from WCCO TV News. That means Shelby is NOT Goin’ to the Lake. The shameless, but successful, summertime promotion gobbles up valuable news time, money and resources that could be used to report the news instead of gushing over the charms of lake areas from Willmar to Walker.

I did my share of popcorn features in 10 years at WCCO and I found any excuse I could to get to Ely. But I didn’t take an army with me and I made some attempt to find a news story, such as the closing of the mechanized portage into Basswood Lake.

LAND OF THE FREE

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The U.S. Forest Service is alive and well (despite cutbacks), managing and maintaining millions of acres of land for public use, and keeping them out of the hands of developers with dreams of condos, concrete and cul-de-sacs.

I was never more thankful than during a trip this summer to Vail, Colo. Judging from real estate listings in the daily paper, the average price for a home with a mountain view is almost $2 million.

NOVEMBER 2014

Townhomes line the banks of Eagle Creek, a first-class trout river that dumps into the Colorado. The fisherman’s problem isn’t fooling a fussy fish.

It’s finding a public path (to the river).

But after a 10-minute drive — in an ancient pickup truck from Vail Village — I was in White River National Forest, with dozens of accessible streams, hundreds of trails and thousands of miles of Forest Service roads.

The roads took us into the woods, away from the crowds and up to the overlooks. The truck’s rusty bumper sported a sticker with a savage sentiment: “Save an Elk. Shoot a Developer.”

PLEASANT SURPRISES

The developer who bought my old lake home in Afton showed respect and restraint, again demonstrating that my frets and fears are frequently foolish.

Early this summer my fishing partner and I — we keep the boat at a neighbor’s place — watched a crew tearing out my old dock and installing a longer, stronger version, complete with a boat lift and canopy.

That’s it, we concluded, the lake will never be the same. Peace and quiet will probably be replaced by toys and noise.

It never happened. The owner’s pontoon boat is powered by a trolling motor. The teenagers are using kayaks and paddleboards, not jet skis. In opening up the landscape, they cut the brush and the buckthorn, leaving the oaks and evergreens.

I don’t know what to make of all of this, except that maybe the reason guys like me worry so much is that it works.

Ninety-nine percent of the stuff we worry and wonder about never happens.

Dave Nimmer lives in Woodbury.

Send comments or questions to dnimmer@mngoodage.com.

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NOVEMBER 2014

GOOD START MEMORIES ////// CAROL HALL

REMEMBER THE MIGHTY 8TH A

private pilot in civilian life, movie star Jimmy Stewart joined the Army Air Corps when World War II broke out.

Stewart was assigned to a group that flew the B-24 Liberator bomber. In 1944, after completing 20 missions as a group operations officer of an outfit that carried out raids inside Nazi-occupied Europe, he was made Chief of Staff of the 2nd Combat Bombardment Wing of the Eighth Air Force.

Stewart regularly flew as command pilot in the lead B-24. The aircraft used for lead was muchflown and “war weary.” It carried no bombs or guns because after rendezvousing with the fleet, the pilot turned back and returned to base.

But on one particular mission, Stewart didn’t turn back. In a show of comradery with his men, and to erase any notion of celebrity snobbery, Stewart secretly carried out the raid along with them.

Afterward, he begged them not to report his misconduct. No one ever did!

This is but one of the many stories circulated at Minnesota Eighth Air Force Historical Society luncheons — and one of many to honor this Veteran’s Day, Nov. 11. According to president Steve Marks, it emanated from the late Larry Bachman, who co-piloted a different B-24 on the raid.

Ray Prozinski described another incident. The dignified, ramrod-straight, 88-year-old Prozinski, recounted being hit above the ear by flak when he was a tail gunner on a B-17 bomber.

Luckily, he’d just donned his steel helmet, which took the brunt of the blow. Prozinski, of Robbinsdale, went on to relate the bureaucratic struggle that ensued to claim the Purple Heart due to him for the injury, which he didn’t receive until 1994.

The Eighth AFHS exists to preserve such memories. The luncheons, held weekly on Wednesdays in Bloomington, offer WWII veterans like Prozinski and Bachman (who passed away in 2013) a place to reminisce with their peers and with other Eighth

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During World War II, the U.S. Eighth Air Force flew B-24 Liberator bombers (foreground) and B-17 bombers during raids over Nazi-occupied Europe.

members, who include WWII buffs, history aficionados, veterans and family members of veterans.

The luncheons also provide a setting to gather additional memories. Member Kevin Callahan videotapes the personal experience of the luncheon’s weekly speaker. Callahan transfers videos to DVD for archiving. He’s uploaded well over 100 videos to YouTube. The videotapes are downloaded to the Minnesota Historical Society’s oral history program.

“History can be twisted,” said Marks, a Vietnam War veteran. Capturing these combat stories on videotape, told in the words of the one who lived them, authenticates the experience and preserves its integrity.

More than 200,000 Americans served in the Eighth Air Force during WWII. Their mission was to help the Royal Air Force destroy the military and industrial power of Nazi Germany by taking the war directly over enemy land.

Despite severe losses, the “Mighty Eighth” was never turned back by enemy action and eventually succeeded in devastating the Nazi warmaking machine.

We shall not see their likes again.

Carol Hall lives in Woodbury. Send comments and questions to chall@mngoodage.com.

JOIN THE GROUP Newcomers are welcome at Eighth Air Force Historical Society luncheons, held Wednesdays at the Bloomington Knights of Columbus Hall, 1114 American Blvd. W. Contact Steve Marks at 952-797-2783 or stevesr.61@gmail. com for details.

Learn more about the Mighty 8th at 8thmn.org.

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GOOD START THIS MONTH IN MINNESOTA HISTORY

In 1896, St. Paul’s African-American community set up an arch honoring black Civil War troops as part of the Grand Army of the Republic’s weeklong festivities. The arch stood at Summit Avenue and Sixth Street in St. Paul. Photo courtesy of the Minnesota Historical Society

Minnesota led the North in black suffrage On Nov. 3, 1868, voters passed an amendment to Minnesota’s Constitution granting black males the right to vote for the first time. Previously, as a territory, Minnesota followed the federal practice of limiting voting rights to free, white males who were at least 21 years old.

But, at the end of the Civil War, debates rose about how to define the status of southern freedmen. Many argued that it was hypocritical to campaign for black suffrage in the South without granting similar rights in the North.

Lincoln’s Emancipation Proclamation of 1863 sparked renewed debate. Efforts to remove the word “white” from Minnesota’s constitution were defeated in 1865 and again in 1867. But on Jan. 10, 1868, Gov. William Marshall, appealing

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to principle, implored lawmakers to put the issue to another vote. On March 6, 1868, a bill passed the House and Senate calling for an amendment to be on the November ballot. On Nov. 3, voters passed the measure by 57 percent. Minnesota and Iowa became the first two Northern states whose electorate approved black voting rights.

Two years later, on Jan. 13, 1870, Minnesota ratified the 15th Amendment to the U.S. Constitution, prohibiting federal and state governments from denying a citizen the right to vote based on a citizen’s “race, color or previous condition of servitude.”

Minnesota Historical Society Staff

Parkinson’s clinical trial The University of Minnesota is currently enrolling patients in a clinical trial to evaluate Boston Scientific’s Vercise Deep Brain Stimulation (DBS) system for patients with Parkinson’s disease.

Billed as a breakthrough technology, the Vercise system is an alternative therapy designed to reduce some of the symptoms associated with Parkinson’s that aren’t adequately controlled with medication.

Eligible participants must have had a Parkinson’s diagnosis for five years or longer, have experienced disabling symptoms (or drug side effects) despite taking antiParkinson’s medications and be between age 22 and 75.

Dr. Jerrold Vitek, MD, PhD and chair of the Department of Neurology at the university, is leading this study to examine the safety and effectiveness of the Vercise system for reducing debilitating symptoms.

Recent data from a similar study demonstrated consistent improvements in motor scores.

The Vercise system sends electrical impulses to an area of the brain with an implantable pulse generator, which is similar in size to a pacemaker.

Candidates for the 5 1/2-year study — officially called the INTREPID study — can expect one to three separate surgical procedures, depending on the surgeon’s preference. Participants can withdraw at any time.

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G O O D H E A LT H ASK THE PHARMACIST ////// SUZY COHEN

What’s really causing your depression?

I’m saddened by the suicide of Robin Williams.

I’ve dealt with depression, on and off, for years, and I was wondering if you have any natural suggestions for me to ask my doctor about?

Q&A

When I hear a person say they’ve battled depression “on and off ” for a long period of time, I ask the question: Why it is on and off ? Something you’re eating, doing or taking is impacting you so much that your mood is affected.

Hormone imbalances are frequently the problem, especially estrogen and testosterone. Thyroid hormone is my specialty, and if it drops too low, you get depressed. When it moves into a healthy range, you feel happy and content.

When I say “normal range,” I don’t mean the normal reference range indicated on your lab test. My opinion is that the so-called normal range is based upon a sick and hypothyroid population. This may explain why you feel terrible, but your levels are “normal.”

I don’t go by labs, I go by clinical presentation.

I adored Robin Williams; he was brilliant, and behind his smiling eyes and hysterical jokes, he battled depression for years.

You may feel the same way as you read this today, and I’m glad you’re still holding on.

Depression is one of those conditions that people judge.

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Here are some reasons for depression you can explore with the help of your physician: Hypothyroidism and hypoadrenia: I’ve mentioned this one

already. However, I want you to get a copy of my Thyroid Healthy book so you learn how to test properly. Testing and treatment is the key to your happiness. Also, don’t take thyroid medicine until your adrenal glands are strong and healthy. You may need to be supported adaptogenic herbs, a healthy diet, relaxation and other stress reducers.

Synthetic hormones for menopause or birth control:

These can reduce your body’s levels of B vitamins and minerals to the point where you can’t manufacture happybrain chemicals. A reduction in key neurotransmitters such as norepinephrine, dopamine and serotonin can cause depression.

It could be on-and-off, as you describe.

Statins and binders: We know

these drugs reduce CoQ10 (Coenzyme Q10), but do you realize they affect your ability to activate vitamin D? Ever heard of seasonal affective disorder or SAD? It’s often related to low D levels — so you might need D if you take cholesterol reducers.

Medications: Drugs mug life-

sustaining nutrients. Ibuprofen steals folic acid and diabetic

A Great Smile Says It All drugs steal B12. If you take medications periodically, then you can’t make neurotransmitters, and that can cause the on-and-off situation you describe.

Infections: This is last on my list, but it’s important. Certain infections we carry can affect the brain.

You can be bipolar or suffer from depression, insomnia or anxiety because of Bartonella, Lyme disease, syphilis, HIV, fungal infections (and their mycotoxins), herpes and many others. Clearing the infection improves mood better than any prescribed antidepressant.

Suzy Cohen has been a licensed pharmacist for almost 25 years. Send questions to info@pharmacist.com.

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G O O D H E A LT H HOUSE CALL ////// DR. MICHAEL SPILANE

Questioning mammography M

ammograms have been used for more than four decades to detect early breast cancer in women who have no sign or symptom of the disease.

Despite many hundreds of scientific studies, there remains considerable controversy about the effectiveness of periodic screening mammograms in reducing mortality from breast cancer.

And the controversy has intensified in the past few years: Some experts believe there’s little or no justification for use of periodic mammograms to screen for breast cancer. Though small in number, these doubters are very vocal.

DOUBTERS SPEAK OUT

Despite many hundreds of scientific studies, there remains considerable controversy about the effectiveness of periodic screening mammograms in reducing mortality from breast cancer.

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They received support for their opinions with the 2013 publication of Screening for Breast Cancer with Mammography by the Cochrane Collaboration, a respected international not-for-profit organization that analyzes scientific data to produce credible, accessible health information that’s free from commercial sponsorship and other conflicts of interest.

The Cochrane analysis of scientific studies on the effectiveness of screening mammography led them to state: “For every 2,000 women invited for screening throughout 10 years, one will avoid dying of breast cancer and 10 healthy women, who would not have been diagnosed if there had not been screening, will be treated unnecessarily.

“Furthermore, more than 200 women will experience important psychological distress including anxiety and uncertainty for years because of false-positive findings. It therefore no longer seems beneficial for a woman to participate in breast cancer screening.”

BELIEVERS REMAIN FIRM

The strong majority of experts, and organizations that use science-based evidence to produce clinical guidelines and recommendations, disagree with

NOVEMBER 2014

the doubters and with the Cochrane group. They agree with the U.S. Preventive Services Task Force guideline that strongly recommends periodic screening mammography for all women age 50 to 74 — and, on an individual basis, for women age 40 to 49.

The controversy about efficacy is fueled by differing estimates of the magnitude of recognized testing deficiencies of mammography.

The doubters say the deficiencies are major and don’t believe the relatively few saved lives justifies the harm done to others and the dollar costs to society; the believers admit the test has deficiencies, but feel it still saves many lives.

PROBLEMS WITH SCREENINGS

The first, and biggest, problem with mammography is the number of false-negative results — the radiologist sees no abnormality, but a cancer actually exists. The main cause of false negatives is dense breast tissue, tissue that has little fat.

A mammogram — an X-ray picture of a breast — is much better at detecting a small cancer if the breast contains a significant amount of fat. Dense breast tissue is much more common in younger women than in those who are post-menopausal.

It’s estimated that as many as 20 percent of small breast cancers will go undetected in those with very dense breast tissue.

Many states, including Minnesota, now require radiologists to inform patients of the risk of a missed cancer if the mammogram reveals dense breast tissue.

The next problem is false-positive results — an abnormality is detected on the mammogram, but, on further testing, turns out to be benign (harmless).

The necessary additional tests are not only costly, but also bring worry and distress to the patient.

Five percent to 10 percent of abnormalities seen on

WANT TO LEARN MORE? The National Cancer Institute has an extensive fact sheet on the ins and outs of mammography at tinyurl.com/ mammogramfactsheet.

mammograms prove to be false positives.

The final problem is over-diagnosis — an abnormality detected on a mammogram is an actual cancer, but of a type that’s unlikely to ever lead to death if untreated.

Most of these lesions are cancers of the breast ducts and not the glandular tissue.

Over-diagnosis often leads to overtreatment, unnecessarily exposing women to the adverse effects associated with cancer therapy.

WHAT’S THE ANSWER?

The solution to these problems is obvious — come up with a test that’s better than the traditional mammogram.

And the search is on. New testing techniques using modalities such as ultrasound, CT and MRI, are now under investigation for effectiveness.

Until some test is proven to be better than the traditional mammogram, I suggest you follow advice provided by professionals at your mammography center.

It may be different in some states, but in Minnesota you can be reasonably assured that these professionals will act in your best interest, and not in theirs.

Dr. Michael Spilane, now retired, spent more than four decades practicing and teaching geriatric medicine in St. Paul. Send comments or questions to drspilane@mngoodage.com.

G O O D H E A LT H CAREGIVING ////// BY ALYSSA AGUIRRE AND CARLA ZBACNIK 2. Know what community resources are available.

Find care resources in your community through a community resource finder such as alz.org/communityresourcefinder. Adult day programs, in-home assistance, visiting nurses and meal delivery are just some of the services that can help you manage daily tasks.

3. Get help and find support.

Finding joy in caregiving R

ight now, more than 65.7 million people in the U.S. are providing care to someone who’s ill, disabled or aged. And that includes more than 15 million dementia caregivers.

It’s not an easy road, to say the least: Caregivers may find themselves with so many responsibilities that they may neglect taking good care of themselves, which can make caregiving even more challenging. Caregivers often report feeling isolated and overwhelmed.

But that’s just part of the picture. Caregivers also report positive feelings about caregiving, including family togetherness and the satisfaction of helping others.

In the recent When Care Comes Home survey, conducted by KJT Group, nine out of 10 caregivers have felt needed (95 percent), thankful (93 percent),

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appreciated (91 percent) and important (88 percent). Two-thirds of caregivers said they believe their role is a gift (66 percent).

These simple joys of being a caregiver may be the silver lining.

However, most caregivers can only recognize these benefits if they’re getting the support they need to stay healthy. How? Consider these 10 ways to be a healthier caregiver: 1. Find time for yourself.

Take advantage of respite care so you can spend time doing something you enjoy. Respite care provides caregivers a temporary rest from caregiving, while their loved one continues to receive care in a safe environment.

Seek the support of family, friends and people who can relate to your situation.

Connect with others on ALZConnected (alzconnected.org), an online message board, or join a local support group to find comfort and reassurance. The Alzheimer’s Association offers individual and family meetings to help with decision-making, planning for the future and education.

4. Become an educated caregiver.

As a disease progresses, new caregiving skills may be necessary. The Alzheimer’s Association offers programs to help caregivers better understand and cope with behaviors and personality changes. Visit the Caregiver Center (alz.org/care) to learn more and access care-training resources, including free e-learning workshops.

5. Accept changes as they occur.

People change, and so do their needs.

Becoming aware of community resources — from home-care services to residential care — should make the transition easier.

6. Make legal and financial plans.

Consult a professional to discuss issues such as advance directives, wills, estate planning, housing issues and long-term care planning.

7. Give yourself credit.

Know that the care you provide makes a difference and you’re doing the best you can. You may feel guilty because you can’t do more, but care needs change over time.

8. Take care of yourself.

Watch your diet, exercise and get plenty of rest. Making sure that you stay healthy will help you be a better caregiver.

9. Manage stress.

Stress can cause physical problems and changes in behavior. Note your symptoms, use relaxation techniques and talk to your doctor.

10. Visit your doctor regularly.

Take time to get regular checkups, and be aware of what your body is telling you. Pay attention to exhaustion, sleeplessness or changes in appetite or behavior. Ignoring symptoms can cause your physical and mental health to decline.

Alyssa Aguirre is the clinical services manager at the Minnesota-North Dakota chapter of the Alzheimer’s Association. Carla Zbacnik is the vice president of marketing at the association.

Aguirre is also a member of the Metropolitan Caregiver Service Collaborative based in the Twin Cities. See caregivercollaborative.org.

NEED HELP? The Alzheimer’s Association is a leading organization in Alzheimer’s care, support and research. Staff and programs in Minnesota are available to help people living with the disease and their caregivers. Start by visiting alz.org/mnnd or by calling the 24/7 help line at 800-272-3900.

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GOOD LIVING FINANCE ////// SKIP JOHNSON

How to talk estate planning over the holidays Income e’re entering a glorious couple of months here in Minnesota. Sure, there’s a chill in talk the air. But much warmth is headed our way in the form of family. And the holidays present a golden opportunity to have Estate Power of extremely important conversations.

Thanksgiving may seem like a strange Plans Attorney Debt time to talk estate planning, but for many families, this is often the only time talk of year everyone is under the same roof for an extended period of time.

So take a break after the Thanksgiving meal or after Black Friday shopping to discuss this Taxes important topic. I understand it can be a difficult talk talk conversation, and that’s why so many people put Insurance this off. But it can give everyone in your family peace of mind.

Many adult children don’t bring this up because Assets they don’t think it’s any of their business. While talk they couldn’t be more wrong, they’re still likely to be hesitant.

Many of my clients are in or near retirement, and I encourage them to start the conversation. Start by telling your kids that you want to make sure they have all the information they need before you Start by can no longer take care of your finances. possession? Is there a will or trust? You don’t have telling your Let them know this is because you care about to share what’s in the will or trust. Just tell them kids that them, and you want to avoid extra headaches and you have one and how to access it if something you want stresses for them. Without a financial discussion, it happens to you. to make could be like a jigsaw puzzle for them trying to put Parents might want to name an adult child as sure they all the pieces of your finances together. power of attorney to make financial and healthcare have all the Here are some of the essential topics to cover. decisions for them later in life. information It may take more than one meeting, but, I know they need HEALTH CARE DETAILS you’ll feel good about just getting started. before you Share the medical insurance you have besides can no LEGAL ISSUES Medicare. What’s covered? Do you have longlonger take Share your estate plans. Who’s your attorney? care of your term care insurance?

Do you have assets set aside to pay for care at What legal documents do you have in your finances.

W

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NOVEMBER 2014

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Talk to your children about how you want to grant them permission to speak with your doctors.

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Tell them what income you have — Social Security, pensions or retirement accounts. Talk about your debts and expenses.

You don’t have to share dollar figures, but share where your records are kept for your investments as well as the name of your financial institutions.

Tell your kids that, if necessary, they have your permission to contact your financial professional. Tell your financial professional as well.

Keep in mind that any financial professional will be required to get permission in writing from you before they can share detailed information.

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Tell your adult children where you keep your tax returns and who prepares them.

Share where you have your bank accounts and other financial accounts.

Tell them if you bank online and where you keep your usernames and passwords.

If your children don’t know where to find your financial assets, they may end up as unclaimed property in the possession of the state.

In this upcoming season of giving, I can’t think of a better gift to give your children and yourself than the peace of mind this important conversation can bring.

Skip Johnson is a partner at Great Waters Financial in New Hope, Minn.

Learn more at mygreatwaters.com.

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10/25/13 8:33 AM

NOVEMBER 2014

GOOD LIVING HOUSING ////// MASHA YEVZELMAN AND GAURI SAMANT

How your online life can affect your taxes I

t’s a tweet. It seems innocent enough: “Having fun in #gaurisgarden after getting home this evening @maplegrovemn.”

But if you’ve told the state of Minnesota that your “home” is in Naples, Fla., rather than in Maple Grove, Minn., then such a tweet could get you in trouble.

You’ve likely been cautioned about the information you disclose on Facebook, Twitter or other social-networking websites: Employers increasingly screen job candidates’ social-media activity.

But did you know what you post online may also affect how much you pay in state taxes?

FLEEING MINNESOTA’S TAXES

Taxpayers with residency issues should proceed with caution when using social media.

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For decades, Minnesota residents have been flocking to other states to find better weather and, perhaps, a lower tax bill. Although many individuals leave Minnesota for non-tax reasons, given that Minnesota’s top tax rate is the fourth highest in the nation, many Minnesotans have come to realize that where they live can significantly affect how much they pay in state taxes.

What Minnesotans who try to move to another state or country may not realize, however, is that such moves are frequently challenged and closely scrutinized by the Minnesota Department of Revenue through residency audits.

And even more of a surprise to former Minnesotans is that, as part of these audits, Minnesota’s auditors closely track potential residents’ social-media footprints. And plenty of Minnesotans are using social media: According to the Pew Research Center, 73 percent of online

NOVEMBER 2014

adults were using social-networking sites as of September 2013.

WOULD YOU PASS THE TEST?

Auditors use two tests to determine whether someone is a Minnesota resident.

The purpose of residency audits is to identify taxpayers who disingenuously made residency changes to avoid Minnesota taxes. To accomplish this goal, auditors apply two tests: (1) a physicalpresence test, which considers a person’s presence in Minnesota, and (2) the intent test, which evaluates where a person subjectively intends to reside.

In order to avoid being taxed as a Minnesota resident, you must pass both tests.

To pass the physical presence test, you must: (a) spend less than half of the year in Minnesota, or (b) not maintain a “place of abode” in the state.

Failing the physical presence test automatically makes you a Minnesota resident.

If the physical presence test is satisfied, you must also pass the intent test by proving that you made another state your home.

Even though you may be able to afford more than one house, Minnesota law presumes that you can have only one home at a time. This means that, in a residency audit, you must prove you truly view another state as your home.

WHERE’S YOUR ‘TRUE HOME?’

Although a former Minnesota resident would undoubtedly tell an auditor that another state is his or her true home, to figure out whether such statements are genuine, auditors are supposed to apply 26 factors.

These factors are found in a Minnesota rule that was enacted in 1988. Some of the 26 factors are

generally relevant to evaluating the location of a person’s true home. Relevant factors include where you spend your time (setting aside that you must spend at least half the year outside Minnesota), your employment location, the size and value of your out-of-state house compared to your Minnesota house and your community involvement in each state.

RULES NEED REVISING

And, unfortunately, most auditors also continue to take into consideration the rule’s antiquated factors, including the location of your bank accounts and financial institutions, your mailing address and the location of your business relationships.

The rule should take into account that during the past 25 years, we’ve begun using the Internet, enjoying the benefits of interstate and online banking and communicating and conducting business online through e-mail and video conferencing.

Most notably missing from the 26 factors is Facebook posts, tweets, blogs or any other form of social-media posts or comments, which many Minnesota auditors consider as more modern indicia of intent.

Regardless of what rules say or will say in the future, taxpayers with residency issues should — in addition to seeking advice from a tax professional — proceed with caution when using social media.

Fredrikson & Byron attorney Masha Yevzelman focuses on federal, state and local tax disputes, representing clients at all stages of tax controversies. Write her at myevzelman@fredlaw.com. Ms. Gauri Samant is a law student at the University of Minnesota and will join Fredrikson & Byron as an associate in fall 2015.

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NOVEMBER 2014

GOOD LIVING TECHNOLOGY ////// MR. MODEM

Help! My hard drive is full!

What happens when an external hard drive runs out of space? Do I have to buy a new one?

Q&A

When you start to run out of space on your external drive, one possibility is to purchase another, larger drive.

A better option is to take a look at your saved files and see if you can thin the herd.

Try to make a point of periodically reviewing your files and deleting items you don’t really and truly need to save.

Old files are a lot like old clothes in a closet: If you haven’t worn something in a year or two (or used a file), chances are you aren’t going to need it again, so you might want to think about deleting it.

I need some easy steps to restore my iPhone 4S to the operating system I had before I updated it to the current iOS 7. I don’t like the new operating system.

Unfortunately, you can’t go back to the previous operating system. It’s all part of Apple’s grand plan to ensure that all users of its devices share the same experience.

While every Android device is just a little different — which creates its own set of challenges — Apple mandates conformity in their devices, which has its advantages and disadvantages, as well. iOS 7 is simply a bit different than what you were accustomed to previously, but like anything, the more you use it, the more familiar it will become.

Since you can’t go back, you might as well enjoy the journey forward. The next time there’s a major iOS update, you might want to hold off and not install it for a while.

Mrs. Modem isn’t using iOS 7 because she didn’t want to bother with a new operating system, so she never updated it.

That’s an option we always have with our current devices.

Keep in mind, however, that some apps may not work as well or at all if your operating system isn’t routinely updated.

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You’ll find lots of helpful information on the Apple website, including the iOS 7 User Guide at tinyurl.com/ MrM-iOS7. There are also many video tutorials on YouTube; just search for iOS 7.

I recently purchased a Kindle Fire HDX, but I still have a perfectly good firstgeneration Kindle Fire that I don’t need anymore. How can I give it to somebody and not have it still registered to me or my Amazon account?

With most tablets, all you need to do is perform a factory reset and all of your personal information will be erased.

Kindles, because they’re tied to your Amazon account, require a two-step process to make sure your personal information is erased — and to get the tablet ready for the next user.

The first thing to do is deregister your Kindle so that it’s no longer tied to your account. This prevents anyone from purchasing items and having them charged to your Amazon account. To deregister your Kindle using the device itself, tap the Quick Settings icon, then More > Choose My Account.

Select the device you want to deregister and tap Deregister.

You can also deregister by going to Amazon.com, selecting Your Account and choosing Manage Your Kindle > Manage Your Devices. You will see all the devices registered to your account. Choose the appropriate one and tap or click Deregister.

Once the Kindle is no longer connected to your Amazon account, you can clear all of your personal information and data off the device: To do this, tap the Quick Settings icon > More > Device. Tap Reset to Factory Defaults. The device will restart and all your information will be gone with the wind.

Richard Sherman, a nationally syndicated columnist, first ventured onto the Internet in 1988. Learn more at mrmodem.net.

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4/1/13 4:54 PM

NOVEMBER 2014

GOOD LIVING IN THE KITCHEN

Roasted chicken thighs with Delicata squash 1/2 lemon, ends trimmed, halved lengthwise, sliced into wedges, seeds removed 4 bone-in, skin-on chicken thighs (about 1 1/2 pounds) 1 tablespoon, plus 1 teaspoon, extra-virgin olive oil 1 tablespoon chopped fresh sage

1 1/2 teaspoon coriander seed 1 teaspoon black pepper 1 1/2 teaspoon kosher salt 1 Delicata squash (about 1 1/4 pounds) 1/4 cup maple syrup 3 tablespoons unsalted butter, cut into cubes Large pinch chili powder 1/4 cup thinly sliced scallions

Serves 4 PHOTO BY SARAH DORISON

Heat oven to 425 degrees.

Bring a small pot of salted water to a boil; drop in the lemon slices and cook for two minutes. Drain well.

Toss chicken with lemon slices in a large bowl along with 1 tablespoon of olive oil, sage, coriander, pepper and 1 teaspoon of salt. Let stand 30 minutes.

Slice squash into 1/4-inch-thick rings and remove the seeds and pulp from each ring while the chicken marinates. Place the rings in a large bowl and set aside.

Combine the syrup, butter, remaining 1/2 teaspoon of salt and chili powder in a small saucepan over medium heat. Simmer for 3 minutes.

Pour the sauce over the squash and toss thoroughly to coat the rings.

Lay the squash rings in a 9-by-13-inch pan or on a large rimmed baking sheet.

Nestle chicken and lemon wedges on top of the squash.

Roast for 15 minutes.

Toss the scallions and remaining 1 teaspoon of oil in small bowl.

Scatter the mixture over the chicken and squash and keep roasting until the chicken is no longer pink, about 20 minutes more. — Adapted from nytimes.com by Krysta Tanico

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Krysta Tanico is the education and events coordinator for Mississippi Market Natural Foods Co-op in St. Paul.

Kale, apple and date salad

presents the winter 2014

Writing Contest Judged by Anitra Budd Anitra Budd is the editor-at-large at Coffee House Press and works with the Loft's Manuscript Critique program.

Juice of 1 lemon (about 3 tablespoons) 2 tablespoons extra-virgin olive oil 1/4 teaspoon salt 1 bunch kale, ribs removed, leaves very thinly sliced 1 apple (Honeycrisp is ideal.)

1/4 cup dates, cut into thin slivers 1/4 cup slivered almonds, toasted 1/4 cup pecorino or Parmesan cheese, grated Salt and pepper, to taste

Please submit a story (800 words or less) or poem (up to 45 lines) that includes a found phrase or piece of dialogue (wording that is overheard, found on a sign, read in a book, seen in graffiti, etc.).

Submit your entry online at https://www.loft.org/contest

(include contact information and a 1-2 sentence bio) Deadline is Dec. 1, 2014 * Published in the The Journal, Southwest Journal and Minnesota Good Age

CHANCE TO BE PUBLISHED*

Serves 4

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Whisk together the lemon juice, olive oil and 1/4 teaspoon salt in a large bowl.

Add the kale, toss to coat and let stand 10 minutes.

Cut the apple into thin matchsticks while the kale stands.

Toss the apple sticks, dates, almonds and cheese with the kale.

Season with salt and pepper and toss again.

good25

Tip: Try this salad with any cheese, nut or fruit you have on hand.

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Tuesday, Nov.18th–Thursday, Nov th . 20

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NOVEMBER 2014

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GOOD LIVING The Sunken Gardens

TRAVEL

Lincoln beckons with art, history, eats

BY SANDRA SCOTT

Sheldon Museum of Art

Museum of Natural History

The prime rib at Misty’s Photos courtesy of Nebraska Tourism

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NOVEMBER 2014

L

incoln, Nebraska — a city of a quarter-of-a-million people — has become a destination for lovers of art, nature and history. And it boasts numerous other one-of-a-kind attractions, too, all just a day’s drive from the Twin Cities. Still need convincing?

Check out these 10 must-see sights in Lincoln.

The Capitol

1

THE CAPITOL

Rising from the boxlike base is the 400-foot Tower of the Plains, topped by a 19-foot bronze statue, “The Sower,” making this edifice the second-tallest state capitol in the country (just behind Louisiana’s Art Deco capitol in Baton Rouge).

Don’t miss the panoramic view from the top. Inside, there are mosaic floors, paintings and iridescent murals depicting American Indian heritage along with the history of the early pioneers who settled the state. Nebraska became a state in 1867.

Lincoln — formerly called Lancaster (renamed in honor of the slain president) — became the capital of Nebraska instead of Omaha, the territorial capital.

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The Lincoln skyline

Photos courtesy of Nebraska Tourism

2 3

ART

The Sheldon Museum of Art’s extensive collection includes works by Mary Cassatt, Edward Hopper, Georgia O’Keeffe, Jackson Pollock and Andy Warhol. The Great Plains Art Museum is a treasure trove of works depicting life on the plains. The Kiechel Fine Arts Gallery specializes in contemporary and 20th century Regionalism.

4 5

THE HAYMARKET

This historic district is a one-stop destination for shopping and dining.

The revitalized eight-block area includes many historic warehouses and the Lincoln Railroad Station, now home to trendy shops and excellent places to eat, including quick bites as well as fine dining.

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NOVEMBER 2014

6

UNIQUE ATTRACTIONS

In the Haymarket District, visit Licorice International featuring “everything licorice,” the American Museum of Speed with historic competition vehicles on display (and an amazing collection of automobilia) and the International Quilt Museum, showcasing one of the world’s largest collections with more than 4,000 quilts.

LINCOLN CHILDREN’S ZOO

The zoo is fun and educational for the young and young at heart. Learn how to lure a butterfly to your finger, pet a lizard, watch the seals perform and get close to a whitehanded gibbon.

ARTS AND ENTERTAINMENT

The Lied Center for Performing Arts is the place for touring Broadway musicals, country singers, jazz musicians and international dance groups. Haymarket Theater and Nebraska Youth Theater offer excellent productions featuring local students. The Zoo Bar is a blues nightclub styled around Chicago blues clubs.

Indian Cave State Historical Park

7 8

HISTORY MUSEUM

This museum boasts 10,000 years of history. The First Nebraskans exhibit features clothing, food, pottery of the state’s first peoples, plus a Pawnee earth lodge, circa 1865. Explore Nebraska’s road to statehood with its pitfalls and successes along the way including Nebraska’s complicated position in the Civil War and the impact the Homestead Act had on the state’s development. The Investigation Station is a treat for the younger set.

SPORTS

Be part of a “red out” by donning a red Cornhuskers T-shirt and cheer for the home team at Memorial Stadium. Watch your favorite sport event on the unique Cube, a huge LED set of screens, in the Railyard. Tee off at one of the golf courses or rent a bike to explore the miles of trails in the local parks.

LEARN MORE Go to visitnebraska.gov and lincoln.org to plan your trip.

9 10

GARDENS

The Sunken Gardens were a Depressionera project that turned a dump site into beautiful gardens with ponds and sculptures. It was completely renovated in 2005. Outside the Sheldon Museum of Art the gardens are dotted with outstanding sculptures. The University of Nebraska has more than two dozen garden areas that show off the best plants for Nebraska.

DAY TRIPS

Use Lincoln as a base and visit the Arbor Day Farm and the Lewis & Clark Missouri River Visitors Center, both in Nebraska City. Don’t miss the historic village of Brownville, the Indian Cave State Historical Park in Shubert or the Homestead National Monument of America in Beatrice.

Sandra Scott is a longtime freelance travel writer based in Mexico, N.Y. Learn more at sanscott.com.

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Second-act success Encore entrepreneurism — and the choice of rejecting retirement — is gaining in popularity among ages 55 and older.

BY BOB RAMSEY

N

o one dismisses Joel Ackerman as a young punk anymore.

And for a guy starting up a new business, that’s a distinct advantage over the 20- and 30-something startup set.

“I am taken more seriously and have more credibility,” said Ackerman, who launched his own business in 2009 when he was 57.

His technology enterprise, BeBloomin, helps connect and support people — particularly seniors and caregivers — to the important organizations in their lives.

Ackerman, who lives in Eden Prairie, had a varied corporate career, including stints at Honeywell and UnitedHealth Group, interspersed with occasional

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NOVEMBER 2014

entrepreneurial activities.

Today, in his 60s, he’s a full-time encore entrepreneur. He’s also pursuing a PhD in Health Informatics at the University of Minnesota.

“When I was younger, I had good ideas,” he said. “But I didn’t know how to make them happen. Now, I know how to make ideas become real.”

Ackerman isn’t the only one who believes older adults can successfully start their own business. In fact, encore entrepreneurism — and the choice of rejecting traditional retirement — is gaining in popularity.

According to the Global Entrepreneurship Monitor, nearly 20 percent of today’s new business owners are over age 55 — and 80 percent of those are over 65.

According to Encore.org, a nonprofit organization offering encore career services nationwide, an estimated 9 million people ages 44 to 70 are in encore careers. And 31 million more are interested in their own encores.

Why? Baby boomers are a big part of the trend.

Encore.org puts it this way: “Boomers make up the largest, healthiest, besteducated population of Americans. Those on the leading edge of the generation are pioneers in a new stage spanning the decades between middle and late life. Neither young nor old, they represent an extraordinary resource. Millions of them are determined to apply their experience to make a difference for others.”

The Small Business Administration, meanwhile, recently reported that, for the

first time, entrepreneurship is growing faster among 45- to 60-year-olds than in any other age group.

LEADING THE TREND

Rather than retiring to the sidelines, many older adults want to continue doing something useful, interesting and fulfilling.

Volunteering is popular, but starting a new business fills the bill for many, too, however.

It helps that the opportunities and possibilities for new businesses are expanding, despite the recession.

Prospective encore entrepreneurs today have a lot of choices.

Some of the most popular startup ideas among older adults include consulting businesses, tax-preparation services, life and career coaching, retirement financial planning and franchising. That’s according to The Company Corp., a Delawarebased company that helps small business owners incorporate or form limited liability companies.

In the realm of franchises, the options are vast and varied. According to Entrepreneur Magazine, the top franchise categories for 2014 are: • • • • •

Children’s enrichment Children’s entertainment Fitness Frozen yogurt Health services

• • • • •

Joel Ackerman of Eden Prairie is the founder of BeBloomin, a Minneapolisbased tech company that enables families to stay connected with the people, organizations and services that are important to their well-being.

Learn more at bloomeverywhere.com.

Paint-and-sip art studios Spa services Pizza Senior care Smartphone repair and accessories

REASONS FOR RISKING

Thinking of starting a retirement career?

Choosing from such a wide range of possibilities can be complicated and confusing.

“Many people feel they are too old to start their own business. But the reality is that there is no age cap on entrepreneurs,” said John Meyer, director of education for The Company Corporation.

As with any venture that requires investment (even an investment of time), there are risks.

In a recent TV interview, business guru Tom Peters described the process of choosing a successful business path: “What matters is finding an unserved or underserved niche. Do something no one else is doing and do it well.”

Sometimes, the right choice depends on the individual’s reason for wanting to start a new, self-owned business.

Many encore entrepreneurs are driven by the need for added income. Many people age 55 and older have lost jobs and have been unable to find new employment and/or they’ve found they haven’t saved enough for their retirement years.

For them, becoming an entrepreneur is a necessity, not a choice.

For others, the motivation is strictly personal. Some have always dreamed of being their own boss. Some have a favorite hobby they want to convert into a profitmaking business.

Others feel they have a calling or feel passionate about a cause.

Rob Smolund, a Minneapolis-based business consultant, counsels entrepreneurs as part of the free Open to Business program of the Metropolitan Consortium of Community Developers.

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Minneapolis-based business consultant Rob Smolund said many older adults start businesses simply to check off a “bucket list” item.

“They’ve had a lifelong passion or dream and now — at the stage of life where the mortgage is paid off and the kids are grown — they are in a position to take a risk,” Smolund said.

Recent research also shows that a sizeable number of encore entrepreneurs are motivated by a desire to stay engaged and to make a difference. For them, it’s not about accumulating more wealth, but about giving back more.

Regardless of their motivation, today’s older entrepreneurs are finding they have assets their younger counterparts don’t (and may not possess until later in life).

THE AGE ADVANTAGE

Encore entrepreneurs face some distinct obstacles, including age bias, which often makes it difficult to secure loans or establish credit.

“Many people assume that all the good stuff (especially in technology) comes from youth,” Ackerman said.

In addition, aging is associated with loss — loss of energy, memory, mobility and more. But despite these disadvantages, experts on aging argue that older entrepreneurs enjoy advantages that more than make up for any age-related liabilities.

“One of the most important age advantages is freedom,” Smolund said. “Older entrepreneurs are not tied down by the emotional baggage — such as family responsibilities and job obligations — that burdens many younger people who try to start their own business.”

Other advantages that sometimes give older adults a leg up on younger entrepreneurs include self-discipline, self-awareness, perspective, strong work ethics, seasoned people skills and often extensive networks of contacts.

Encore entrepreneurism’s allure is powerful, as are the benefits, Ackerman said.

“It’s exciting to create something from nothing,” he said. “It’s frustrating and challenging. But if you have the drive, it’s richly rewarding.”

Bob Ramsey is a lifelong educator and freelance writer who lives in St. Louis Park.

Is encore entrepreneurship right for you?

Career specialists often recommend that older adults, who are considering starting a business, ask themselves three important questions: 1. Am I doing it for the right reasons?

If starting a business is appealing because you think it will be an easy, quick way to secure an income, think again. There’s nothing easy or quick about encore entrepreneurship.

2. Is it really a good business idea?

Just because an idea is interesting, exciting or original doesn’t guarantee that it will be a successful business.

The bone pile of failed businesses is full of good ideas.

3. Am I really ready?

Starting a new business is more difficult than most people realize. Being completely ready means having a solid business plan, adequate resources lined up, the right people on board and your attitudes and emotions under control.

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Every startup guidebook urges would-be independent business owners to test their ideas and plans on trusted friends, experienced business owners and other experts before taking action.

Minneapolis-based business consultant Rob Smolund gives the same advice to all entrepreneurs regardless of age: “Identify a problem and figure out how your business idea will solve it. Then, evaluate your risk tolerance and know what you will do if your idea fails.”

Other tips for beginning entrepreneurs include: • Take a personal inventory to be sure you have what it takes to succeed as a business owner, such as confidence, self-discipline, persistence and resilience.

• Set realistic short- and long-term goals.

• Do your homework and keep learning.

• Think big, but pay attention to details.

• Define your own measure of success.

• Share your passion. It’s contagious.

• Have fun!

RESOURCES Want to start your own business? Experts recommend you seek out expert advice. Resources to support entrepreneurs young and old are multiplying in the Twin Cities and beyond.

SHIFT, a Twin Cities-based agency, helps participants make midlife career changes. See shiftonline.org.

SCORE (Senior Corps of Retired Executives) is a cadre of retired business leaders who counsel fledgling entrepreneurs and other new business operators. There are local chapters in St. Louis Park, St. Paul, Burnsville, St. Cloud, Red Wing and Owatonna. See score.org.

Encore.org: Formerly known as Civic Ventures, this national nonprofit — with a motto of “Second Acts for Greater Good” — aims to help America’s 78 million baby boomers find encore careers “with purpose, passion and a paycheck.” Learn more about the programming — plus guides such as The Encore Career Handbook and The Big Shift: Navigating the New Stage Beyond Midlife — at encore.org.

The Vital Aging Network (vital-aging-network.org) offers Evolve courses that help people age 50 and older reimagine the rest of their lives. This fall’s class is already underway, but a spring class is in the works. See evolveleaders.org or call 651-690-4111.

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Open to Business: The Metropolitan Consortium of Community Developers provides free personalized consultation to entrepreneurs and startup business owners. Called Open to Business, the Minneapolis-based program offers no-cost, 30-minute sessions with experienced business consultants, so that would-be business owners can test-drive their ideas. To schedule an appointment, contact Rob Smolund at 612-789-7337, ext. 260 or rsmolund@mccdmn.org or see opentobusinessmn.org.

The Company Corporation recently published a free e-book, How to Start a Business After 60 — and the 20 Best Businesses to Start. The company also offers state-specific and industry-specific guides for incorporating a business as well as coaching, webinars and more. See incorporate.com/seniors.

Entrepreneur Magazine, meanwhile, publishes a three-times-a-year magazine called Startups. See entrepreneur.com/magazine/startups.

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The great room at BeeHive Homes of Excelsior includes a baby grand piano, a stone hearth and other homey features.

Colorful, contemporary furnishings add warmth to BeeHive Homes.

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NOVEMBER 2014

Hometown hive Inspired by his grandfather, a grateful grandson opens a more home-like assisted-living facility — a trend that’s catching on nationwide

BY KAREN GASKELL • PHOTOS BY ALICIA MCCANN

B

eeHive Homes of Excelsior feels like a posh resort.

With its dramatic great room — featuring an oversized dark chocolate brown leather sofa, comfortable decorative chairs, a gleaming baby grand piano and a large stone fireplace — it’s an inviting place, reminiscent of a pricy lodge or, perhaps, a large residence.

But BeeHive homes isn’t a weekend getaway.

It just feels that way.

This 17,000-square-foot facility, which first opened in April 2014, offers assisted living and memory-care housing for older adults.

Its homey atmosphere — and small size (just 25 units) — was no coincidence.

Based in Boise, Idaho, BeeHive Homes is the company behind more than 160 similarly small assisted-living communities across the country.

Focused on facilities designed to feel more like residential homes, the company has facilities in eight states.

The Excelsior location was a first in Minnesota. Duluth is next with a facility set to open in December.

INSPIRED BY LOVE

Tyler Stevens, 32, established the Excelsior location for very personal reasons.

His grandfather, Carl Donahue, was in need of care.

After his wife, Carolyn Donahue, died of Alzheimer’s, he suffered a stroke that left him paralyzed on his left side.

Stevens, who had grown up in his grandparents’ home, didn’t like the choices he had when looking for care for his grandfather. He didn’t want to put him in a traditional nursing home.

It was then that Stevens, who had previously launched his own in-home

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NOVEMBER 2014

39

care business in 2005 to care for his grandparents’, decided to create an assisted-living residence for memory-loss patients that would look and feel like a home.

Inspired by love and motivated by his grandfather’s needs, Stevens managed to pull together the necessary funds to make the Excelsior residence happen. Within four months of its opening, it was filled to capacity.

“Obviously, this is something near and dear,” Stevens said. “It’s something that’s different than any other place — and it’s not just because it’s mine. It’s really family oriented. It’s multigenerational.

“There are kids here all the time. There are grandkids here. It’s just a really fun family atmosphere.”

HOME SWEET HOME

Who wouldn’t want to live in or visit this place with its gorgeous sunroom, decorated with cheerful patterns of bright blue and beige, looking out at a spectacular view of large trees and shrubs?

In the dining area, well-crafted wooden tables and chairs trimmed in white add to the charm.

In the handsome library, a row of brown recliners and matching footrests beckon along with a large flat-screen TV tucked between two tall wooden bookshelves.

“We spent a lot of time and money trying to make it look and feel like a home,” Stevens said.

Each bedroom expresses the unique personality of each resident because they’re free to bring furniture from home.

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NOVEMBER 2014

WHAT DOES IT COST? At Beehive Homes, the total cost for a resident can range from about $5,700 to $7,700 per month, depending on the level of care required.

Rent for a 450-square-foot shared room (two males or two females) is $2,700. Single-unit rent for a 350-square-foot room costs $3,700.

All utilities and three chef-prepared meals a day are included, along with many other services.

Dr. Chris Johnson of Consultative Health and Wellness, who specializes in geriatric care, regularly checks in on all residents. Round-the-clock nursing care is provided for memory-care residents.

Cost of care is based on each resident’s needs. Moderate-care packages cost $2,460 a month.

Complex or late-stage memory-loss resident packages can cost up to $3,780 a month.

BEEHIVE HOMES OF EXCELSIOR 6330 Hazeltine Blvd.

952-300-3275 beehivehomes.com

Residents’ names and a window box filled with family photos hang outside the door of each room to help steer residents back to their private living spaces, should they become confused.

A flat-screen TV is mounted on the wall in each bedroom, BeeHive Homes owner Tyler Stevens poses with his grandfather Carl Donahue. but you’d be hard pressed to find many residents spending their days watching game or gab shows.

BeeHive Homes is an active place. Its name, according to the BeeHive Homes corporate founders, was chosen with the broad definition of a hive in mind — “a place where busy people are assembled.”

Exercise, a bean-bag toss game, baking and bingo are among the many activities residents can take part in, said program director Monica Mohan.

A piano player comes to entertain residents with era-appropriate music one Friday a month. A complimentary salon is among the amenities available to residents, too. A small putting green also sits on the grounds.

And BeeHive Home residents also enjoy membership at Hazeltine National Golf Club and the Minnesota Landscape Arboretum, both in nearby Chaska.

GRATITUDE AND PRIDE

BeeHive’s waiting list is virtually non-existent, Stevens said, because families searching for a memory-care facility for a loved one can’t afford to wait.

Residents at the facility range in age from 63 to 99 with an average age of 85.

BeeHive Homes is truly a family affair for Stevens. His mother, Candy, coordinates birthday parties and other activities for residents.

Staff members excitedly planned resident Bernice Tichy’s 100th birthday recently, complete with Dixieland music to liven up the party with family and friends.

“Age is just a number,” Tichy said with a smile that conveyed a glimmer of pride. “I’ve had a good life. I’m lucky.”

Perhaps the place’s most important resident — the reason for its founding — is Stevens’ grandfather, Carl Donahue, now 84 and diagnosed with mild to moderate memory loss.

He, of course, thinks the world of his grandson and his accomplishments.

Is he proud of his grandson?

“No!” Carl bellowed with an ironic grin.

He enjoys living in the cheerful, residential spaces of BeeHive Homes.

“I love everything about it,” he said. “Being old doesn’t have to be sad.”

Karen Gaskell lives in southwest Minneapolis.

Handmade Craft & Food Market Fair Sat. Nov. 15, 10am–2pm Local Honey· Spices· Cards Jewelry· Baked Goods Baby & Holiday Items· & More!

FREE Chair Massages (11am–1pm) FREE Bag to the First 200 Guests

8131 4th St, Oakdale www.oak-meadows.org 651-578-0676

Coordinating fair up the street 9am–2pm www.apostolic.org

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Housing resources • Memory care

• Assisted living

• Independent housing

Augustana Care of Minneapolis ••••

• Housing co-op

CommonBond Communities • •

Our full continuum of care offers everything from independent living to skilled nursing, all on one campus! We offer in-home care, restaurant-style dining, a bank, pharmacy, grocery store, coffee shop, beauty shop, medical clinic, fitness center, and more!

1007 E 14th St, Minneapolis 1510 11th Ave S, Minneapolis 612-238-5555 minneapoliscampus.org

CommonBond builds stable homes, strong futures, and vibrant communities. As the largest nonprofit provider of affordable homes in the Upper Midwest, CommonBond has been building and sustaining homes with services to families, seniors, and individuals with disabilities since 1971.

1080 Montreal Ave St. Paul 651-291-1750 commonbond.org/findhousing

Carver County CDA •

Como by the Lake Senior Apartments •

Offers affordable independent living for adults 55 and better throughout Carver County including Chanhassen, Chaska, Waconia, and Norwood Young America. We offer Carver County CDA’s HUD subsidized Section 8 property for adults 62 and over, or those with a qualifying disability.

705 N Walnut St Chaska 952-448-7715 carvercda.org

Exceptional senior living at Como by the Lake Senior Apartments and community.

Great location that is just across from beautiful Como Park. Heated underground parking and two elevators. Small pets are always welcome.

901 E Como Blvd St. Paul 651-489-3392

Clean Slate • We are a family-owned company whose services include the following: weekly, biweekly, and monthly cleaning; move in/move out cleaning; organizing; preparing houses for market which includes but isn’t limited to: painting, wallpaper removal, changing fixtures, deep cleaning, staging, packing, and much more.

1616 Texas Ave S St. Louis Park 612-250-8631 cleanslatemn.com

Colony Senior Living, The • • Award winning, full-service senior living community. 123 apartments with services, assisted living, memory care, and 24hour care suites. Transitional care unit for rehabilitation therapy services after a hospitalization or illness. Licensed nurse on-site 24/7.

431 Prairie Center Dr Eden Prairie 952-828-9500 the-colony.org

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Covenant Village of Golden Valley • • • • Nestled in a wooded suburb on 12 acres.

Covenant Village of Golden Valley is a place for nature lovers, with a park-like setting.

When stepping out, you can enjoy the cultural opportunities of the nearby Twin Cities and an exciting lifestyle in one of the area’s most beautiful communities.

5800 St. Croix Ave N Golden Valley 763-732-1521 covenantvillageofgoldenvalley.org

Crest View Senior Communities • • Crest View Senior Communities offers senior housing, assisted living, memory care, short-term rehab, skilled nursing, and home care. Five great locations in Columbia Heights, and Crest View Senior Community at Blaine is under development and taking reservations.

4444 Reservoir Blvd NE Columbia Heights 763-782-1601 crestviewcares.org

• Condominium Dakota County CDA • Providing adults 55+ with comfortable, elegant, and affordable housing where they can live well into their golden years.

We have over 1,500 apartment homes in 26 properties located in every major city in Dakota County.

1228 Town Centre Dr Eagan 651-675-4400 dakotacountycda.org

Gladstone Cooperative • Gladstone Cooperatives are designed for a unique group of people 62 years and older, in locations that take advantage of our lakes and rivers, are close to downtown areas, and provide easy freeway access. A community

by Hearth Development.

Anoka and Centerville 651-309-3339 gladstonecooperative.com

Lyngblomsten • • • • Influenced by Christ, Lyngblomsten provides a ministry of compassionate care and innovative services to older adults in order to preserve and enhance their quality of life. These services include a community center, market-rate and HUD202/Section 8 apartment building with assisted living services available, and a 24-hour nursing home for short and long-term care.

1415 Almond Ave St. Paul 651-646-2941 lyngblomsten.org

Mary T. Inc. • • • • Family owned and founded on a history of care, Mary T. Inc. has been providing services to seniors since 1976. We offer support through rental villas, senior apartments, assisted living, personal and home services, home health, and hospice care.

Coon Rapids, Anoka, Savage 763-754-2505 marytinc.com

ADVERTISER LISTINGS • Long term care

• New construction

• Services

Minnesota Masonic Home • • • •

South St. Paul HRA •

St. Benedict’s Senior Community • • •

Minnesota Masonic Home is located on an historic 80-acre estate overlooking the Minnesota River Valley in Bloomington. We offer Independent Living, Assisted Living, Alzheimer’s and Dementia Care, Skilled Nursing Care, and Transitional Care/Rehab.

Call to schedule a tour.

11501 Masonic Home Dr Bloomington 952-948-7000 mnmasonichomes.org

South St. Paul HRA manages one-bedroom apartments for ages 50 and over, which are designated for low to moderate-income persons. Rent is based on income. The building amenities include all utilities paid, an onsite caretaker, security building, after hours answering service, elevators, community room, resident activities & services, and laundry facilities. Call today to set up an appointment.

125 3rd Ave N South St. Paul 651-554-3270 ssphra.org

St. Benedict’s Senior Community is a leader in health care and housing lifestyle options for seniors. Whether speaking about the campus in St. Cloud or Monticello, our philosophy remains the same; offer independence and choices for vital aging.

St. Cloud Campus: 1810 Minnesota Blvd SE St. Cloud 320-203-2747 Monticello Campus: 1301 E 7th St Monticello 763-295-4051 centracare.com

Oak Meadows • • • Award winning Oak Meadows has a 16 year track record of providing excellent service and care to seniors and their families. We offer 62 independent, 48 assisted, and 12 memory care apartments. Lifesprk provides 24/7 on-site homecare.

8131-8133 4th St N Oakdale 651-578-0676 oak-meadows.org

Sandra Mangel Interior Design • Smart Moves..Experience your transition with ease. Deciding what to keep and what to let go of can be daunting. Sandra's professional guidance will assist you in making all your important decisions.

4601 Bryant Ave S Minneapolis 612-827-5395 sandramangel.com

Sholom • • • • From independent retirement living, to assisted living, to memory care, residents enjoy a broad spectrum of daily activities, special events, medical services, resources, and more; all conveniently located on our campuses in St. Louis Park and St. Paul.

3620 Phillips Pkwy St. Louis Park West Campus/East Campus 952-935-6311/651-328-2000 sholom.com

Southview Senior Communities • • • Southview Senior Communities owns and operates six senior communities that feature independent living, assisted living, and memory care apartments. Our beautiful, spacious apartments have several size and floor plan options. Our staff provides a variety of engaging activities for residents all day.

Southview Senior Living West St. Paul 651-554-4838 Lilydale Senior Living Villas of Lilydale Lilydale 651-454-6853 Shoreview Senior Living Shoreview 651-484-9822 Oak Park Senior Living Villas of Oak Park Oak Park Heights 651-439-9995 Inver Glen Senior Living Inver Grove Heights 651-450-0707 Arbor Lakes Senior Living Maple Grove 763-478-2141 southviewcommunities.com

St. Paul Public Housing Agency • • The Congregate Housing Services Program of the St. Paul Public Housing Agency provides services to assist persons with disabilities, mental health issues, brain injury, and challenges of aging to live independently in their homes.

Edgerton, Iowa, Montreal, Ravoux & Valley High Rises 651-292-6035 stpha.org

SummerCrest Condominiums •

•

SummerCrest Condominiums is a 55+ community located next to Edinburgh Golf Course. These one and two bedroom condos feature an open kitchen and living room, large bedrooms, and laundry. Enjoy a Guest Suite, Party Room, Fitness Studio, Woodshop, and more!

3800 85th Ave N Brooklyn Park 612-710-9502 summercrestcondominiums.com

Villa At St. Louis Park, The • • Situated in a quiet neighborhood in St. Louis Park. Our multi-million dollar renovation to be completed in 2014 will transform this facility into a modern, state-of-the-art care facility that offers transitional, long term, and memory care.

7500 W 22nd St St. Louis Park 952-546-4261 villaatstlouispark.com

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NOVEMBER CAN’T MISS

CALENDAR NOV. 13–DEC. 28

A Christmas Carol With a 40-year history on the Guthrie’s stages, the classic Dickens play follows grouchy Ebenezer Scrooge through an evening of visits from the ghosts of Christmas Past, Christmas Present and Christmas Future, helping him see the error of his ways.

When: Nov. 13–Dec. 28 Where: Guthrie Theater, Minneapolis Cost: $34–$116 Info: guthrietheater.org or 612-377-2224 Photo By Michael Brosilow

ONGOING

NOV. 1

NOV. 6

River Sojourn

Winter Sleep

Sketch Night

Artist Sara Lubinski displays her rich and warm paintings drawn from her many treks along the Mississippi River.

When: Through Jan. 4 Where: Bell Museum, Minneapolis Cost: Museum admission is free on Sundays and $5 to $8 other days.

Info: bellmuseum.umn.edu or 612-626-9660

This top prize-winner at Cannes, by director Nuri Bilge Ceylan, explores charity and generosity in the mountains of Turkey.

When: 7 p.m. Nov. 1 Where: Walker Art Center, Minneapolis Cost: $12, $10 for members, students and seniors Info: walkerart.org or 612-375-7600

This monthly event invites experienced and fledgling artists alike to the museum’s Touch & See Discovery Room, containing hundreds of earth, plant and wildlife specimens, for the opportunity to sketch the collections.

This month’s topic is rivers.

When: 6:30–8:30 p.m. Nov. 6 Where: Bell Museum, Minneapolis Cost: Free with museum admission ($5 to $8) Info: bellmuseum.umn.edu or 612-626-9660

NOV. 1

Out of This World This science-fiction and spacethemed evening of music from the Minnesota Orchestra will feature selections from Holst’s Planets, music from Star Trek, Star Wars, 2001: A Space Odyssey, and more, hosted by actor Christopher Lloyd.

When: 8 p.m. Nov. 1 Where: Orchestra Hall, Minneapolis Cost: $30–$80 Info: minnesotaorchestra.org or 612-371-5656

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NOVEMBER 2014

NOV. 1–23

Disenchanted!

This musical comedy chronicles the adventures of the classic fairytale princesses who decide to take their lives back after years of objectification in film, books and TV. When: Nov. 1–23 Where: Illusion Theater, Minneapolis Cost: $28–$38 Info: castingspellsproductions.com

NOV. 7

OVALumination Lighting Ceremony More than 100 arborvitae and evergreen trees are decorated with holiday lights to illuminate the Guidant John Rose MN OVAL, the largest sheet of refrigerated ice in North America.

Enjoy activites all season long, including a visit from Santa on Nov. 19!

When: Lighting ceremony at 6:15 p.m. Nov. 7 Where: Guidant John Rose MN OVAL, Roseville Cost: FREE to view, $5.50 to skate, $4 for skate rental Info: visitroseville.com/events/ OVALumination or 651-633-3002

NOV. 7–DEC. 21

On Golden Pond This American classic follows the Thayer family’s reunion with their estranged daughter, her fiance and her teenage son.

When: Nov. 7–Dec. 21 Where: The Jungle Theater, Minneapolis Cost: $25–$43 Info: jungletheater.com or 612-822-7063

NOV. 8

Wild About Wine Proceeds from this wine-tasting and live-music event benefit the animals and programs at the Minnesota Zoo. When: 5:30 p.m. Nov. 8 Where: Minnesota Zoo, Apple Valley Cost: $50, $35 for designated drivers. Advanced ticket purchase is required.

Info: mnzoo.org or 952-431-9200

NOV. 8 AND 22

Benefits of Aloe Vera Learn about the benefits of the aloe vera plant for health and wellness.

When: Noon–1 p.m. Nov. 8 and 22 Where: Oakdale Library, Oakdale Cost: FREE Info: 612-385-6983

NOV. 7–9

The Rubaiyat: Life in A Day The musings of Persian philosopher and poet Omar Khayyam are brought to the stage by the dancers of Katha Dance Theatre.

When: Nov. 7–9 Where: Cowles Center for Dance, Minneapolis Cost: $25–$30 Info: cowlescenter.org or 612-206-3600

Jon Weber.

When: 4 and 7:30 p.m. Nov. 9 Where: Jungle Theater, Minneapolis Cost: $25 Info: jungletheater.com or 612-822-7063

NOV. 11–JAN. 4

Dr. Seuss’ How the Grinch Stole Christmas This all-ages musical takes on the classic Seuss book, with rhymes, dancing, storytelling and more.

When: Nov. 11–Jan. 4 Where: Children’s Theatre Company, Minneapolis Cost: Tickets start at $10.

Info: childrenstheatre.org or 612-874-0400

NOV. 9

Jazz at the Jungle This is the third in a series of soldout shows featuring Ella Fitzgerald’s popular Song Books series, as performed by Connie Evingson and

and lunch in Nokomis Park.

When: 12:30–2:30 p.m. Nov. 12 Where: Nokomis Park Recreation Center, Minneapolis Cost: $8. Pre-registration is required.

Info: tinyurl.com/bigbandluncheon or 612-370-4923

NOV. 12

Big Band Music and Luncheon

NOV. 13–16, 20–23

Reconciliation: Indigenous Voices A part of Pangea World Theater’s longstanding Indigenous Voices series, this play takes place in a dystopian future, exploring the relationship between government and native peoples.

When: 7:30 p.m. Nov. 13–16, 20–23 Where: Intermedia Arts, Minneapolis Cost: $12 in advance, $15 at the door Info: intermediaarts.org or 612-871-4444

Enjoy the music of the Commodores

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NOVEMBER 2014

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NOVEMBER CAN’T MISS

CALENDAR NOV. 16

movement(s)uite Violinist Stephanie Arado collaborates with the Black Label Movement dance company.

When: 4 p.m. Nov. 16 Where: MacPhail Center for Music, Minneapolis Cost: $25, $20 for seniors, $15 for students Info: bakkentrio.org

issues and popular culture with experts from diverse fields of study.

November’s topic is The Lives and Times of Ice Age Mammoths and Mastodons, focusing on how contemporary paleontologists study the anatomy, ecology and behavior of these fossils.

When: 7 p.m. Nov. 18 Where: Bryant–Lake Bowl, Minneapolis Cost: $5–$12 sliding scale Info: bellmuseum.umn. edu or 612-626-9660

NOV. 17–DEC. 31

A Charlie Brown Christmas Join the Peanuts gang for their holiday festivities in this musical, including a visit from the Great Pumpkin, a Thanksgiving feast and a quest for the perfect Christmas tree.

When: Nov. 17–Dec. 31 Where: Old Log Theatre, Greenwood Cost: $14–$16 Info: oldlog.com or 952-474-5951

NOV. 18

Café Scientifique

NOV. 21–30

Zenon Dance Company’s 32nd Fall Season The accomplished modern and jazz dance company celebrates its new fall season with a program showcasing Cuban choreographer Osnel Delgado, among others.

When: 8 p.m. Nov. 21–22, 28–29; 2 p.m. Nov. 30 Where: Cowles Center for Dance, Minneapolis Cost: $34 Info: thecowlescenter.org or 612-206-3636

NOV. 22

Minnesota Book Arts Festival and Holiday Sale Browse one-of-a-kind books, prints, paper and gifts and other artistic creations from local artists. Attendees can also catch artist demonstrations and enjoy free activities.

When: 10 a.m.–5 p.m. Nov. 22 Where: Minnesota Book Arts, Minneapolis Cost: FREE Info: mnbookarts.org or 612-215-2520

OPENING NOV. 22

Liz Deschenes: Gallery 7 The photographer, known for her influential body of work, has created an installation using elements from the medium of photography, such as paper, light and chemicals.

When: Nov. 22–Nov. 22, 2015 Where: Walker Art Center, Minneapolis Cost: Free with museum admission ($9 to $14) Info: walkerart.org or 612-375-7600

Attend a happy-hour exchange of science-related ideas, environmental

NOV. 25–30

Irving Berlin’s White Christmas The classic holiday movie takes the stage at the Orpheum Theatre for a show full of music and laughter and Berlin hits.

When: Nov. 25–30 Where: Orpheum Theatre, Minneapolis Cost: $49–$134 Info: hennepintheatretrust.org or 800-982-2787

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NOVEMBER 2014

NOV. 24

Baby: The Musical This story of three couples working towards parenthood examines the waiting, anticipation and trials of having a child.

When: 7 p.m. Nov. 24 Where: The Cabaret at Camp Bar, St. Paul Cost: $10 suggested donation Info: actorsmn.org

South St. Paul HRA

Where adults 50+ can interact, relax and be inspired.

• 50+ Community • Income Based Rent • All Utilities Paid • Newly Remodeled • Elevators • Controlled Entries • On Site Caretaker

Call 612.370.3869 for more info.

Call for an appointment 651-554-3270

South St Paul HRA GA 0314 12.indd 2

Family owned and operated since 1857

BEGINNING NOV. 25

Holiday Lights in the Park Together, the St. Paul chapter of the National Electrical Contractors Association and the Saint Paul Police Foundation present a holiday event with more than 60 light sculptures and animated displays. Proceeds benefit the Union Gospel Mission, the Saint Paul Police Foundation and the Saint Paul Parks Conservancy.

When: 5:30–10 p.m., Nov. 25–Jan. 1 Where: Phalen Park, St. Paul Cost: $10 per vehicle Info: lightsinthepark.org

2/13/14 9:54 AM

FUNERAL CHAPELS, CEMETERIES & CREMATION SERVICES

17 convenient locations: BLOOMINGTON 952-884-8145

CRYSTAL

763-533-8643

WEST BLOOMINGTON COLUMBIA HEIGHTS

612-521-3677

NORTH MPLS.

952-941-7686

763-789-4436

EDEN PRAIRIE

COON RAPIDS 763-767-1000

612-781-1999

EDINA

NOKOMIS PARK

NORTHEAST MPLS.

HOPKINS

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BLAINE PRE-ARRANGEMENT CENTER

952-975-0400 952-920-3996

The McReavy Family

CRYSTAL LAKE

612-721-1651

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612-377-2203

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SOUTHEAST MPLS.

763-537-2333

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HILLSIDE

612-781-6828

763-231-0506

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4/10/13 1:42 PM

NOV. 28–30

Excelsior Christkindlsmarkt This open-air market will feature German Christmas music, food and celebrations, with crafts for sale and festive activities for children of all ages, including a NorthPole Trolley and live reindeer.

When: 10 a.m.–10 p.m. Nov. 28–29; 11 a.m.–4 p.m. Nov. 30 Where: 250 East Drive, Excelsior Cost: FREE Info: excelsiorchristmas.com or 952-292-8898

F E AT U R I N G A M A N DA H E A R S T W E A R I N G T H E TAV E N E R , P H OTO G R A P H E D AT T H E H E A R S T C A S T L E F E AT U R I N G A M A N DA H E A R S T W E A R I N G T H E TAV E N E R , P H OTO G R A P H E D AT T H E H E A R S T C A S T L E NEW B RI GHTON

BURN SVI LLE

SAI N T PAUL

MI N NE APOLIS

NEW 2050 S ILVBERI R LGHTON AKE ROAD

BURN SVI LLE 2001 BURN SVILLE C E N TE R

N T PAUL 1089SAI GRAND AVE N UE

MIHE NNNE 2405 N EAPOLIS P I N AVE N U E

N 2050 EW B RSIG HETON , MNROAD 55112 ILV R L AKE N EW B R651.

IG H636.3434 TON , MN 55112

BURNSVILLE , MN C 55306 2001 BURN SVILLE E N TE R 952.892.6666 BURNSVILLE , MN 55306

SAIN PAUL, MN 55105 1089T GRAND AVE N UE SAIN 651.797.4834 T PAUL, MN 55105

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BRAIN TEASERS

SPONSORED BY MINNESOTA COLLEGE SAVINGS PLAN

SUDOKU

WORD SEARCH HAPPY HOUR Smile Thankful Treasure Upbeat Warmth Wonder Zeal

Friendly Genuine Joyous Laughter Optimistic Peace Serendipity

Beaming Charming Cheer Delightful Earnest Excellence Fantastic X

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CRYPTOGRAM

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Break the code to reveal a quote from a famous person.

Each letter represents another letter.

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WORD SCRAMBLE

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Complete the following three six-letter words using each given letter once.

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___E ___ ___TH

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1. Over the moon, happy as a clam, on cloud nine, a happy camper. 2. Happily ever after 3. Good Vibrations 4. Mahatma Gandhi 5. Bluebird 6. Dopamine, Serotonin, Oxytocin and Endorphins 7. Happy Gilmore 8. Conservatives 9. Denmark

TRIVIA

ANSWERS

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TRIVIA JUMP FOR JOY 1. The four words moon, clam, cloud and camper, are all part of idioms used to describe happiness. Can you complete each one?

6. Can you name four of the most well-known neurochemicals closely associated with producing a happy mood?

2. What three-word phrase might you find at the end of many fairy tales?

3. What Beach Boys song opens with the lines, “I love the colorful clothes she wears / And the way the sunlight plays upon her hair”?

7. Name this (Adam Sandler) film: A brash and untalented hockey player learns he’s more skilled at golf and enters the PGA tour in an attempt to win money for his grandmother before she’s evicted.

4. Who described happiness as “when what you think, what you say and what you do are in harmony”?

8. In survey findings, who’s reported as being happier — liberals or conservatives?

5. What animal, mentioned in the song Over the Rainbow, often symbolizes happiness in contemporary film and literature and is thought to be a harbinger of joy?

9. In the UN’s 2013 World Happiness Report, which county took the prize for happiest residents?

One of the best gifts you can give a child isn’t found in a toy store.

Happiness is not something ready made. It comes from your own actions.

CRYTPOGRAM Health, Zenith, Length

WORD SCRAMBLE

Visit www.MN529today.com or call 952-830-3127

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NOVEMBER 2014

SUDOKU

ANSWERS

MN College Savings Plan GA NR2 Sponsor V3.indd 1

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10/20/14 4:19 PM

CROSSWORD

BRAIN TEASERS

SPONSORED BY MINNESOTA COLLEGE SAVINGS PLAN

CROSSWORD

ACROSS 1 End of a digression 10 Christmas flier 15 Like Gene Kelly’s dancing 16 Ski resort north of Mount Snow 17 Pollster’s challenge 18 Stand in for 19 Wear out 20 Haywire 22 Circus prop 24 Lyra’s brightest star 25 Rosencrantz or Guildenstern 26 Netlike 27 Cabs may be lined up at one 29 After 30 Soaks (up) 31 Like some bread 35 Reasons for some low scores 37 Handy thing to have when you need a break?

38 Zen awakening

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39 Arabian checker 40 Turkish honorific 41 Expose a card, say 43 Narrow strip 44 Cuisine with a condiment called nam pla 47 Body __ 48 Attacks, as with snowballs 49 Campaign fund 51 Vier minus eins 52 Sundance showing 53 It’s usually an eagle 57 “A Confederacy of Dunces” author 58 Clinton had a big role in its construction 59 Begat 60 Held in DOWN 1 WWII female 2 Digestive aid, to chemists 3 Blue wall decorations

4 How a pollyanna sees the world 5 “I Hated, Hated, Hated This Movie” author 6 Hard or soft finish?

7 __ loss 8 Nauseates 9 Glaciation period 10 Combustible rock 11 1881 trouble spot 12 “I’m with you” 13 Outlook service 14 “__ a world in a grain of sand”: Blake 21 Nursery bottle contents 22 Hunks 23 Shire in films 24 Limo riders 27 “Alack!”

28 Many millennia 30 iPhone speaker 32 Salad ingredients 33 Try to dislodge, perhaps 34 “Leda and the Swan” poet 36 Home 37 Pod occupants 39 Make whole again 42 Christmas flier 43 Perceived to be 44 Ridicules 45 Asian capital 46 Zeal 48 Haggler’s target 50 Mind 51 Roebuck, but not Sears 54 Word with stick or service 55 “Auld Scotland wants __ skinking ware”: Burns 56 Days of yore, in days of yore

Start with as little as $25.

952-830-3127 MN College Savings Plan GA NR2 12.indd 1

10/20/14 4:22 PM

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