Our Catholic Journey - January-February 2013

Official Publication of Catholic United Financial

January/February 2013 Vol. 118 Issue 1

Our CatholicJourney

+ Ticket Sales KickoffKeys to Your Kingdomwith John Tetzloff+

Raffle winnersRevel in Rome!Attend Canonization of Blessed Kateri Tekakwitha

Schuler grants for Seminarians+


Our CatholicJourney

When Flip Spanier became our

President about forty years ago, he started writing a regular column for our newspaper. That tradition continued under Mike McGovern even as our newspaper became a magazine. Having the chance to read Mike’s

column these past few years, and also looking back through the archives of Mike’s and Flip’s monthly messages to the membership, I marvel at how they blended the news of our business with discussion of faith, perseverance and commentary from the times in which they were written. I hope you will bear with me as I try to emulate what those two leaders have done.

As the curtain rises on 2013, there have been some important changes here at your Association. Two of our longest-serving Board members, Deb Pauly and Fran Barten, have retired due to reaching their term limits. You, our members, have elected two exceptional women, Renee Brod and Patricia Kasella, to take their places. Also, after fifteen incredible years, Mike McGovern has retired as our President and Chair of the Board of Directors. I am humbled yet excited to have been elected by you to succeed him. I thought I would use this column to tell you a little bit about myself and what you should expect from our great Society in the coming years.

My parents emigrated from Germany back in 1950. My sister and I were both born and raised in the St. Paul, Minnesota, area. I went to high school in Roseville and graduated from what was then Frank B. Kellogg High School. I attended the University of Minnesota and graduated from the business college, now known as the Carlson School of Business. My dad spent his entire career working for the St. Paul Companies. I also worked in the insurance business,

spending more than thirty years in reinsurance. (Reinsurance is basically insurance for insurance companies.) It provided a good living for my family and me. In 2008, I decided to shift gears and come to work for the Catholic Aid Association, as we were known then. Denny Olson was retiring, and I was very excited to put my efforts into a business where we act according to our faith values. It is satisfying to know that you can run a very successful and growing financial services organization while still doing things the “right” way, and without having to sacrifice your principles. I truly look forward to more of the same in the years ahead.

My wife, Mary, and I live in St. Paul, and we have three “grown” children – but do they ever really stop growing? Do any of us? I sure hope not! Mary is a sign language interpreter and loves her work. She does quite a bit of religious interpreting. She performs this service at our parish, St. Frances Cabrini, and has interpreted in many other Twin Cities-area churches. For me, watching a visual interpretation of a voiced message adds to the richness of our liturgies and a further layer of understanding. I am very proud that she has been by my side for more than 38 years now, so you know she has the patience of a saint! Our kids all attended Catholic schools and involvement with our schools and parishes has always been important to us. I look forward to working with you and your councils in the same way.

It has been challenging, but a lot of fun these past four years. I am energized and excited to succeed Mike in his role as our President and I thank my predecessors for the precedent they’ve set. I look forward to the opportunity this column provides to speak and share my thoughts with you for many years to come.

Peace.

12

Harald E. Borrmann

The Tenth President

of Catholic United

Financial

From the President

2 January/February 2013

8

www.catholicunitedfinancial.org

http://www.catholicunitedfinancial.org

12

Photo by Betty Young.Ann Marie Young of St.

Francis, S.D., at the Colosseum in Rome, Italy. Read on p. 12 how Catholic United helped make a dream come true for

her mother, one of our 2012 raffle prize winners.

On the Cover Official Publication of Catholic United Financial


Our CatholicJourney

+ Ticket Sales KickoffKeys to Your Kingdomwith John Tetzloff+

Raffle winnersRevel in Rome!Attend Canonization of Kateri Tekakwitha

Schuler grants for Seminarians+


Our CatholicJourney

[email protected] January/February 2013 3

Contents

ScrapbookRead news tidbits and see member photos. 4

Sections

20Fraternal What’s the most popular Fraternal program we have? You might be surprised at this oldie but goodie.

16 Memorials/AnnouncementsTwo issues worth of memorials.

Association BusinessNew management took over January 1, with Harald E. Borrmann as President, an Interim Senior Vice President and two new Board members.

11

15Keys to Your Kingdom Estate planning advice from our estate planning guru, John Tetzloff.

Departments

7

20

14

Catholic United Financial President/Chairman Harald E. Borrmann, St. Paul Interim Senior Vice President and Secretary/Treasurer Michael Ahles, Andover Board of Directors Lead Director Joseph F. Kueppers, Mendota Heights; George Gmach, Rog-ers; John W. Maile, Cold Spring; Robert Krattenmaker, New London; Michael Schmitz, Mankato; Renee Brod, New Prague; Patricia Kasella, Royalton. Magazine Staff: Publisher Harald E. Borrmann Editor Jared Roddy Staff Susan Detlefsen, Michelle Clark Director of Marketing Steve Wendorf Office of Publication: Catholic United Financial, 3499 Lexington Ave. N., St. Paul, MN 55126-8098; 651-490-0170 or 1-800-568-6670. Postmaster: Send change of address notice to above. Periodicals postage paid at St. Paul, MN and other locations. Subscription price is 50 cents a year. Official Publication of Catholic United Financial. Published bimonthly. Publication No. 093500

8

SFI-00574

Features

6Raffle Returns Want details? Get them here! Read about the return of the Raffle, and see the schools specific to your area where you can purchase a ticket.

82013 Seminarian GrantsThe Rev. Msgr. Richard J. Schuler Seminarian Charitable Trust awarded 142 grants this year. See the priests-in-training who benefitted in your diocese.

12 Rafflers in Rome See how Catholic United helped one of its raffle winners realize a generations-old dream to witness the canonization of the first Native American woman.

Constitutional AmendmentsProposed amendments to the Catholic United Constitution must be submitted in writing to the president’s office no later than April 1, 2013. Constitutional amendments received and reviewed by the Board will be presented for ratification by the delegates at the 2013 Annual Convention.

5

mailto:[email protected]

If you’re a member of Catholic United, there’s a pretty good chance you heard something about our Gather-4Good projects that took place through the summer and fall of 2012. Enlisting volunteers to pack hygiene kits for disaster relief and the homeless, the project’s final event took place October 28, during the St. Cloud Diocesan Senior High Youth Rally. About 175 teens helped pack up 400 kits for Catholic Charities at St. John’s University in Collegeville. The St. Benedict Council at St. John the Baptist Church of Collegeville,

was instrumen-tal in staffing the event, which wrapped up a great campaign of fraternalism. The volunteer spirit was really on display in 2012. Let’s see what 2013 has in store!

www.catholicunitedfinancial.org4 January/February 2013

Scrapbook

Sales Representative Dan Markell took the notion “It’s better to give than to receive”

to heart this holiday season, as he journeyed around western Minnesota to deliver donations.

At far left, Markell delivers a MinisTREE check to Fr. Ron Huberty, Pastor of SS. Peter and Paul Catholic Church in Ivanhoe, Minn.

SS. Peter and Paul reached the maximum $500 in MinisTREE task-rewards in 2012, but can start fresh now that it is 2013. At right, he delivers a R.E.New Fund check to Fr. Paul Wolf and Principal Carol DeSmet of Holy Redeemer in Marshall, Minn. R.E.New allows new members to elect for Catholic United to make a donation in their name. Give us a call to find out more, almost every new member who buys life insurance will qualify!

Sales Representative Candee Cloos and officers of the St. Anthony of Padua Council of Hoven, S.D., had the exciting honor of delivering $11,750 to St. Anthony of Padua Parish’s Religious Education Program last November. A gigantic amount earned during their 125th Anniversary raffle Bazaar held September 30, 2012 (see p. 20 for more photos). From left, Vicki Rausch, Janine Stuwe, Joann Rader, Jean Dreis and Cloos presented Fr. Kevin Doyle with $10,750 plus $1,000 matched by Catholic United.

Youth Rally Wraps Up Rewarding Year

Collegeville, Minn.

What Christmas is All About!

Heckuva Happenin’ in Hoven, SoutH Dakota


Hey, yes we do! Former President Michael McGovern appeared in an unusual place this month, Our Catholic

Journey’s scrapbook files. And he had told everyone he was just on vacation last November! McGovern couldn’t stay away apparently, especially from the opportunity to deliver funds to the Mitchell, S.D., area while having some fun among the pheasants. Above, McGovern delivers a check for Faith Formation to Christine Lemmer and Fr. Mike Schneider of Holy Spirit Parish in Mitchell. Below, Sales Rep Butch Byers joins in awarding funds to John Paul II school Principal Michelle Ommen and technology teacher Jodi Wilson.


Don’t miss out on up to $500 toward tuition!Scholarship Applications are due February 15, 2013!

How to Contact your Sales Representative:Look on the back cover of this magazine. Your Sales Representative’s name and contact information

should be listed with yours. Or, visit www.catholicunitedfinancial.org, or call 1-800-568-6670.

Don’t we know that guy?

We Got a BINGO!Quilt Bingo raises huge sum for St. Michael

Most Catholic School principals will tell you that every little bit helps. So when the members of the St. Michael Council of St. Michael, Minn., delivered their check to Principal Jennifer Haller, you can bet she knew it would help a lot! The St. Michael school received a check for $4,243 in early December, thanks to the council’s Quilt Bingo.

The unique fundraiser received the full $1,000 match from Catholic United. Pictured with Principal Heller (in blue jacket) are members Mona Kramer, Debbie Fairburn and Justine Fol-kestad. Justine writes, “Thank you to everyone who helped make Quilt Bingo a huge success!”

Good Morning, Mr. ZitzmannSales Representative Brian

Zitzmann joined Catholic United in 2012 and quickly got to business showing schools and parishes the benefits of Catholic United. On November 29, 2012, he met with Principal Ralph Dyrness (above left) and Msgr. Dennis Skonseng to introduce himself and the Association. After the meeting, he produced a $500 Technology Grant from the Catholic United Financial Foundation. Now that’s an introduction!

Below, Zitzmann and Fraternal Youth Liaison Nate Lamusga (far left) deliver a R.E.New Fund check to Pastor Msgr. Mike Foltz and Principal Toby Biebl of St. Joseph’s School in Moorhead, Minn.



Name:

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Participants are sharing and com-menting on the posts, and even generating some friendly competi-tion online.

Students started selling tickets on Jan. 18, and many schools held rallies during the first week of sales to generate excitement for the fundraiser. Sales Representa-tive Jon Ginther attended the Raf-fle rally at Sacred Heart School of Robbinsdale, Minn. (photo above). This is the first year of participa-tion for the 250 students and staff of Sacred Heart, and they hope to raise $20,000 by March 1, the last day of ticket sales.

As with previous years, the Raffle prizes have generated a lot of buzz. Sports fans can get excited about two prize

packages that are up for grabs. One lucky person will win two tick-ets to Super Bowl XLIX in 2014, including airfare and hotel stay. Another winner will nab a prize package including tickets for a Twins game in a luxury suite at Target Field (donated by Hubbard Broadcasting). The grand prize is a brand-new Ford Escape SUV or $25,000 cash.

A complete list of prizes can be found at www.catholicunited.org/links/raffle.

To all the students, families and schools participating, best of luck!

www.catholicunitedfinancial.org January/February 2013 7

Help us reach our goal of $500,000For Catholic Education!

Catholic United sets bar high for 2013 Catholic Schools RaffleChallenge accepted by 83 Catholic schools; Tickets on sale now in Minnesota, North Dakota & South Dakota

The fanfare and commotion of the Catholic Schools Raffle prize ceremony was winding down on March 1, 2012; the winners had been announced and the total dol-lars raised – $611,290 – was hang-ing proudly on a banner at the front of the room. Then-President Michael McGovern stood up in front of the six-foot-long raffle drum holding over 120,000 tickets to offer parting remarks.

After a glance at the banner, he offered this challenge to those in attendance: “This has to be the big-gest thing that’s happened to Catho-lic education in the Midwest in any time I can remember,” McGovern said. “It’s really impressive and it’s only going to grow from here. In fact, next year I think we oughta do $750,000.” Applause and cheers fol-

lowed the announcement, as did a flurry of planning on the part of the Catholic United employees charged with making that ambi-

tious goal a reality.If the 83 schools par-

ticipating in the pro-gram all reach

their submitted fundraising goals, the Raffle will hit $750k, and then some!

“Twenty schools are participating for the first time this year. Along with the 60 schools we had last year, we have a very ambitious group. They have lots of competitive spirit, and everyone wants to do their best,” said Michelle Clark, market-ing assistant and the main company contact for all things Raffle. “We’re on pace to reach the $750,000 mark, and possibly even $1 million if every school reaches their goal.”

New this year, Catholic United’s Marketing department is using a Facebook page (www.facebook.com/catholicschoolsraffle) as one of the primary means of communi-cation between the Home Office, Raffle coordinators at each school and the public. Clark regularly posts common questions, links to news stories and progress updates to the page.

It’s all about the tickets. Schools are able to keep every penny of each $5 ticket sold.

ABOVE RIGHT Students from Sacred Heart School in Robbinsdale, Minn., cheer on the start of the Raffle during their kick-off assembly on Jan. 16. This is the school’s first year as a Raffle participant.

Schools Participating In Your Area

6

CatholicSchoolsRaffle!





http://www.facebook.com/catholicschoolsraffle


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Apple iPads Xbox 360 Kinect BundlesAmazon HD Kindle Fire Tablets$200 Apple Gift cards$100 Visa Gift cards

$$$$$$$$$$$$$$$$$$$$55555555555555555

$25,000 !2013 F E OR

100% of your $5 goes to the ticket-seller’s Catholic School!


Ticket #:

Must be 18 to enter. Fill out ticket stub completely. (over)

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3 F E OROROROR

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Participants are sharing and com-menting on the posts, and even generating some friendly competi-tion online.

Students started selling tickets on Jan. 18, and many schools held rallies during the first week of sales to generate excitement for the fundraiser. Sales Representa-tive Jon Ginther attended the Raf-fle rally at Sacred Heart School of Robbinsdale, Minn. (photo above). This is the first year of participa-tion for the 250 students and staff of Sacred Heart, and they hope to raise $20,000 by March 1, the last day of ticket sales.

As with previous years, the Raffle prizes have generated a lot of buzz. Sports fans can get excited about two prize

packages that are up for grabs. One lucky person will win two tick-ets to Super Bowl XLIX in 2014, including airfare and hotel stay. Another winner will nab a prize package including tickets for a Twins game in a luxury suite at Target Field (donated by Hubbard Broadcasting). The grand prize is a brand-new Ford Escape SUV or $25,000 cash.

A complete list of prizes can be found at www.catholicunited.org/links/raffle.

To all the students, families and schools participating, best of luck!

www.catholicunitedfinancial.org January/February 2013 7

Help us reach our goal of $500,000For Catholic Education!

Catholic United sets bar high for 2013 Catholic Schools RaffleChallenge accepted by 83 Catholic schools; Tickets on sale now in Minnesota, North Dakota & South Dakota

The fanfare and commotion of the Catholic Schools Raffle prize ceremony was winding down on March 1, 2012; the winners had been announced and the total dol-lars raised – $611,290 – was hang-ing proudly on a banner at the front of the room. Then-President Michael McGovern stood up in front of the six-foot-long raffle drum holding over 120,000 tickets to offer parting remarks.

After a glance at the banner, he offered this challenge to those in attendance: “This has to be the big-gest thing that’s happened to Catho-lic education in the Midwest in any time I can remember,” McGovern said. “It’s really impressive and it’s only going to grow from here. In fact, next year I think we oughta do $750,000.” Applause and cheers fol-

lowed the announcement, as did a flurry of planning on the part of the Catholic United employees charged with making that ambi-

tious goal a reality.If the 83 schools par-

ticipating in the pro-gram all reach

their submitted fundraising goals, the Raffle will hit $750k, and then some!

“Twenty schools are participating for the first time this year. Along with the 60 schools we had last year, we have a very ambitious group. They have lots of competitive spirit, and everyone wants to do their best,” said Michelle Clark, market-ing assistant and the main company contact for all things Raffle. “We’re on pace to reach the $750,000 mark, and possibly even $1 million if every school reaches their goal.”

New this year, Catholic United’s Marketing department is using a Facebook page (www.facebook.com/catholicschoolsraffle) as one of the primary means of communi-cation between the Home Office, Raffle coordinators at each school and the public. Clark regularly posts common questions, links to news stories and progress updates to the page.

It’s all about the tickets. Schools are able to keep every penny of each $5 ticket sold.

ABOVE RIGHT Students from Sacred Heart School in Robbinsdale, Minn., cheer on the start of the Raffle during their kick-off assembly on Jan. 16. This is the school’s first year as a Raffle participant.

Schools Participating In Your Area

6



Holy Spirit Catholic School of RochesterHoly Trinity Catholic School of South St. PaulSacred Heart School of AdamsSt. Agnes School of St. PaulSt. Elizabeth Ann Seton School of Hastings

St. Felix Grade School of WabashaSt. John the Baptist of VermillionTransfiguration Catholic School of OakdaleWinona Area Catholic Schools of Winona

Metro/East

Follow www.facebook.com/catholicschoolsraffle for a list of schools, prizes and updates

http://www.catholicunited.org/



Jake E. AndersonSamuel R. Backman

Paul BakerNeil Bakker

Michael BarsnessPaul William Befort

Andrew Ronald Brinkman

James D. CarricoJoseph Connelly

Michael DalyJohn DeLozier

John DickJohn Drees

Louis Floeder

Nicholas FroehleDavid P.J. Gockowski

Byron HaganMichael Harrington

Paul HaverstockPeter Hughes

Andrew Jaspers

Colin JonesBrian Kloempken

Kyle KowalczykPatrick Lenertz

Toulee LyLuke Marquard

Michael McClellan

Archdiocese of Saint Paul & Minneapolis

Grant RecipientsReverend Msgr. Richard J. Schuler Seminarian Charitable Trust2012

Every year since 1998, the Rev. Msgr. Richard J. Schuler Seminarian Charitable Trust has awarded grants to young men studying for the priesthood. Seminarians rarely have the ability to earn income while they are in school, as they are not permitted to have jobs during the school year and must commit 40 hours of study per week outside of prayer, class, meetings and fraternity. So, they are limited to fitting in earning opportunities over breaks and vacations. This can make everyday expenses difficult to cover.

These awards help to cover incidentals such as food, car repairs, textbooks, personal items and medical co-pays. This grant also allows them to prepare to be social, relatable pastors of their future parishes by enjoying some time with their brothers, joining

them for meals and interacting with them outside of the seminary walls. Most of the seminarians do work during the summers, but the little money that is made only contributes slightly to the expense of books and travel to and from the seminary.

In its 15 years, the trust has given more than 1,000 grants totaling close to $400,000 in scholarships. Pictured in these pages are 137 of 142 seminarians who are receiving a share of the $47,300 awarded in grants this year.

The trust relies on its endowment and donations from members, parishes and councils like you and yours to make these gifts. To give to the trust and encourage young men in their vocations, contact the Foundation today at 1-877-275-7145.



Thomas McKenzieMarcus F. MillessBenjamin R. NelsonMatthew NorthenscoldBrun Chizoba NwachukwaMarc PaveglioMark Daniel Pavlak

James E. PetersonJohn PowersPhillip ReidNathan SchusterPaul ShovelainTim TranDavid Nathaniel Tucker

Timothy J. LangeTrevor PetersonBlake RozierPaul StrommerRiley DurkinZachary HowickRobert J.E. Keller

John KlockePaul KuhnKyle MetzgerJohn MillerSean MulliganJohn NorbergPatrick Parks

Eric Francis SeitzSteven WirthNicholás David Araujo VegaAaron BeckerPaul Michael BuchmannBilly DodgeClayton R. Elmhorst

Alan M. GuanellaBrandon GuentherTyler HilesEthan HokampAdam R. JamesPeter John KiefferAlex Kren

Diocese of

Diocese of

Diocese of

Diocese of

La Crosse

Chad VanHooseNicholas WelterNye F. Wiley IIIBenjamin WittnebelAndrew ZippJared WolfNathan A. Brunn

Johnathon ChristiansonAdam HamnessBryan KujawaMatthew ReganMatthew SchmitzCharles FriebohleMichael GarryDuluth

Bismarck

Diocese of

Crookston

Fargo


www.catholicunitedfinancial.org10 January/February 2013 www.catholicunitedfinancial.org

Nate KuhnKyle Laylan

Matthew MarshallSamuel McCarty

Andrew Cameron PekhamDaniel Purkapile

Charles Richmond

Tyler RieseMark Rydell

Andrew James RydlundLevi Schmitt

Daniel SedlacekJames Patrick John Smyth

Daniel Lawrence Thelen

Daniel WilliamsAaron Gerard Wolfe

Andrew DieterSamuel J. Wagner

Chris DeaverItchell Bechtold

Mark Botzet

Michael GrundhoeferJoseph Koczur

Matthew LanagerJoseph D. Mead

Aaron NettGregory Sauer

Jeremy Theis

Gabriel M. WalzDerek Wiechmann

Steven BierschbachBrian Eckrich

Thomas Jay HartmanGrant Lacey

Derek Mitzel

Barry ReuwsaatDarin Schmidt

Joseph ScholtenTimothy Smith

Theodore HeinoAdam J. Laski

David Neuschwander

Samuel Ferdinand SchneiderJames Zahler

Ryan AndersonJoachim Ferk

The HoangDavid KruseSteven Lehn

Brian MulliganJedidiah Taubel

Daniel WardMarcus Wobschal

Diocese of

Sioux Falls

Jeremy Michael Bock, John Hayes, Christopher Moosbrugger, Shawn Polman and Wilson Kubwayo

As well as

who are not pictured.

Diocese of

Superior

Diocese of

Winona

Diocese of

New Ulm

Diocese of

Rapid City

Diocese of

St. Cloud

http://www.catholicunitedfifinancial.org


Under New Management:

Harald E. BorrmannPresident and Chair of the Board

Michael M. AhlesInterim Senior Vice President & Secretary/Treasurer

New Members of the Board of DirectorsRenee Brod Patricia Kasella

Elected to succeed Michael F. McGovern by the delegate convention in August, 2012, Harald has served with great distinction as the Senior Vice President and Secretary/Treasurer of Catholic United Financial since January 1, 2009.

Borrmann is the first generation of a German immigrant family, raised in St. Paul, Minn. He attended high school in Roseville, Minn., and graduated from the University of Minnesota’s School of Business. Following his father’s profession, Borrmann has worked in the insurance and reinsurance industry for more than 30 years, and brings a

body of knowledge with him that will greatly benefit Catholic United in the coming years. Harald was pursued by the Board of Directors for his expertise and strong faith values four years ago.

He decided to leave corporate finance and insurance and join the Fraternal world because it afforded the opportunity to help families achieve their financial goals, in a fundamentally ethical and morally sound manner. That’s the mindset and motivation that Catholic United’s new president will continue to provide.

Appointed by the Board of Directors to take on the role of Senior Vice President and Secretary/Treasurer, Michael comes from a background in the fraternal insurance industry. When identifying a candidate to hold the position until the delegates could elect a successor, the Board specifically looked for someone who could stand for election and remain with Catholic United for the long term.

Ahles (AH-less) is a graduate of the University of Minnesota Carlson School of Management. He served many positions with Allianz Life Insurance Company of North America, including Senior Vice President. His most recent position was as Vice

President of Insurance Operations at The Independent Order of Foresters, a multi-national fraternal with $8 billion in assets and 950,000 members. He took on the role at Catholic United to bring his skills and knowledge to bear with a fraternal whose mission supports the Catholic community. He and his family live in Andover, Minn., and attend the Church of the Epiphany, where they are active in the parish.

Brod has been a member of Catholic United for more than 20 years, living in New Prague, Minn. She has significant business management experience and sits on a number of boards in her

community. She is married with two children, and is an active member of St. Wenceslaus Parish.

Kasella is a 50-year member of Catholic United, and has served as an officer to her local council

since 2004. She has also served on several community boards

and associations. Along with her husband and son, she runs a crop farm near Royalton, Minn. They are active members of Holy Trinity Parish.

!


school, St. Elizabeth Seton. Not with any hope of actually winning anything.

“I only had five dollars with me,” Young says. “ I told him I’d buy more but I never got around to it. I just bought the one and forgot about it.”

But it turned out that of more than 129,000 tickets sold and stuffed into the raffle drum, Young’s was the second to be pulled. Marketing Director Steve Wendorf called that day to tell her she had won a $5,000 Caribbean cruise.

“I couldn’t believe it. I thought it was one of those hoaxes they’re always warning the elderly about,” Young says. But when Sales Representative Butch Byers followed up and brought by the gift voucher and paperwork, it started to dawn on her that she’d actually won. But it was a bittersweet victory.

“I really wasn’t interested in it,” Young says. “After I saw Titanic, I thought ‘Naw, I’ll never go on a cruise.’”

Byers kept in contact, and Young told

him how she felt. She maintained she didn’t want to go on a cruise, in fact, the only place she could really imagine making such a trek to would be Rome. To see the Sistine Chapel and the Pope, and did you know (she informed him) that the Blessed Kateri Tekakwitha was going to be canonized in October? That would be something to see.

Young left South Dakota to attend a Kateri Conference with some of her family members, and while she was away, Byers contacted the Home Office. “How much difference can it cost? Wouldn’t this be a great prize for a Catholic Raffle anyway,” he says. Then-

President Michael McGovern agreed. He brought it to the Board and, noting that the Rules of the Raffle specifically say that a prize of equal or greater value may be substituted, approved the plan to send Betty Young and one guest to Rome to see the first canonization of a Native American Woman.


Vivaroma!Betty Young, 75, a Lakota Sioux

of St. Francis, S.D., says she felt something like it, just

for an instant, as she came face to face with the Pope Benedict XVI in Rome, on October 21, 2012.

“When he came down the way I looked right into his face, I was that close,” she says. “It just kind of gives you this feeling, to see the Holy Father that close, tears come into your eyes. You’re not thinking about anything else in the world, you’re just in such a holy place being there with him.”

Half a world away from home,

Young and her daughter, Ann Marie, were mere feet away from the Pope as he was transported through St. Peter’s Square. What they were doing there is a story unto itself.

Young says she has never won anything in her life. A devout

Catholic and teacher of religious education at the St. Francis Mission on the Rosebud Indian Reservation, she doesn’t really gamble or travel much. When her grandson Malic Osborn approached her in early 2012 and asked her to buy a raffle ticket, she did so to support his

Have you ever felt completely transported? As if you’ve been removed from the passage of time and the worries of life to exist totally present in a single moment? One expects that it isn’t a common occurrence. Only in exceptional moments of clarity do some people grasp the feeling for a fleeting second.

Upper left: Betty Young and her daughter Ann Marie in St. Peter’s Square, Vatican City, awaiting the Mass and canonization of Blessed Kateri Tekakwitha, October 21, 2012. Bottom left: Ann Marie turns the camera back on the throng of celebrants in the square. Center spread: Ann Marie, like many others wore a ceremonial dress. Upper right: The Duomo of Florence, italy. The largest brick dome in the world atop one of the worlds most elaborate Cathedrals.


school, St. Elizabeth Seton. Not with any hope of actually winning anything.

“I only had five dollars with me,” Young says. “ I told him I’d buy more but I never got around to it. I just bought the one and forgot about it.”

But it turned out that of more than 129,000 tickets sold and stuffed into the raffle drum, Young’s was the second to be pulled. Marketing Director Steve Wendorf called that day to tell her she had won a $5,000 Caribbean cruise.

“I couldn’t believe it. I thought it was one of those hoaxes they’re always warning the elderly about,” Young says. But when Sales Representative Butch Byers followed up and brought by the gift voucher and paperwork, it started to dawn on her that she’d actually won. But it was a bittersweet victory.

“I really wasn’t interested in it,” Young says. “After I saw Titanic, I thought ‘Naw, I’ll never go on a cruise.’”

Byers kept in contact, and Young told

him how she felt. She maintained she didn’t want to go on a cruise, in fact, the only place she could really imagine making such a trek to would be Rome. To see the Sistine Chapel and the Pope, and did you know (she informed him) that the Blessed Kateri Tekakwitha was going to be canonized in October? That would be something to see.

Young left South Dakota to attend a Kateri Conference with some of her family members, and while she was away, Byers contacted the Home Office. “How much difference can it cost? Wouldn’t this be a great prize for a Catholic Raffle anyway,” he asked.

Then-President Michael McGovern agreed. He brought it to the Board and, noting that the Rules of the Raffle specifically say that a prize of equal or greater value may be substituted, approved the plan to send Betty Young and one guest to Rome to see the first canonization of a Native American Woman.


Vivaroma!Thousands of Native Americans

flocked to the Vatican. Thousands more came from France, The Philippines, America, Italy, Spain and Germany, packing St. Peter’s Square with revelers eager to witness their patrons ascend to sainthood. Young and her daughter, Ann Marie, were among them. A long day was in store, as six others were canonized that day. A full Mass, including communion with the entire congregation of the square was celebrated, followed by the telling of the story of each of the seven saints.

From waiting in line, to finding a spot to sit, to the Pope’s exit directly past them, the event lasted more than 7 hours, Young says.

Along with many others, full of pride and joy at the long-awaited recognition, Ann Marie wore her ceremonial jingle dress.

“There were thousands, I don’t know, hundreds of thousands of people from everywhere,” Ann Marie says. “It was shoulder to shoulder and pushing and shoving to get into the square. People from every country with flags and ceremonial clothing on.”

Have you ever felt completely transported? As if you’ve been removed from the passage of time and the worries of life to exist totally present in a single moment? One expects that it isn’t a common occurrence. Only in exceptional moments of clarity do some people grasp the feeling for a fleeting second.

Kateri (Catarina in Latin) was an Algonquin of the Mohawk tribe. An orphan at 4, she converted to Catholicism and lived a short, difficult life of virtue and chastity. She has been unofficial patroness of indigenous North American people since the 1700s. Many Native Americans have long prayed for the sainthood of Kateri. The required second miracle was officially attributed to her in 2006, when her holy intercession was determined to have saved a boy in Washington state from a deadly flesh-eating bacteria, after all medical attempts had failed.

Saint Kateri Tekakwitha“Lily of the Mohawks” 1656 – 1680

Upper left: Betty Young and her daughter Ann Marie in St. Peter’s Square, Vatican City, awaiting the Mass and canonization of Blessed Kateri Tekakwitha, October 21, 2012. Bottom left: Ann Marie turns the camera back on the throng of celebrants in the square. Center spread: Ann Marie, like many others wore a ceremonial dress. Upper right: The Duomo of Florence, italy. The largest brick dome in the world atop one of the worlds most elaborate Cathedrals.


Both describe the canonization day itself as the highlight of the trip.

“We’ve been praying for [Kateri] to be canonized since the 1800s,” Young says. “But the others too, the way they died and gave their lives. All the natives are proud that we finally have a saint, but so were all the others. They all had their own cheering section.”

As the ceremony ended and the Pope disappeared from view,

they prepared to wait for the crowd to filter away. Suddenly, Young says Ann Marie started yelling, “He’s coming! He’s coming!” and fumbled through her purse for the camera. Just for that moment, Young got a look right at him, and

Ann Marie snapped a single photo of the encounter a few seconds after the Holy See passed by.

After the ceremony and that exhilarating moment, a special Mass of Thanksgiving was celebrated in St. Peter’s Basilica for the Native Americans who now had their own official Patron saint. Hymns were

sung in Kateri’s native Iroquois tongue, and 800 or so congregants again took communion.

For the next week, the two women traveled through some of the most beautiful towns and churches in the world, celebrating Mass daily and seeing firsthand the

wonders of Italy and the Old World.“Rome was my favorite,” Ann

Marie says. “But all the other cities were so beautiful. I think it’s just the most romantic place. It lives up to all the movies and pictures.”

Their tour took them from Rome to Assisi, to Siena and Montecatini, Florence, Padua and Venice before returning to the

U.S. Ann Marie threw a coin in the Trevi Fountain; they traveled to the top of Giotto’s Bell Tower and the Duomo in Florence; they prayed in the Basilica of St. Francis of Assisi. They were serenaded by gondoliers in the canals of Venice.

One has to wonder at the blessed confluence of events.

What other company would have individuals who work so hard to help a person whose only relation to it was a $5 raffle ticket? What are the odds that that one ticket would win out of 129,000? And after hundreds of years of prayer and hope, how could it be that Kateri Tekakwitha was canonized in October 2012,

and not May, or 2011 or 2015? As Young and her daughter

recall the incredible sights, sounds and smells of Italy, one can sense their minds’ eyes wandering back, and a sense of disbelief that the whole thing happened at all.

“It was what everyone was saying,” Young says. “It was once in a lifetime.”

14 January/February 2013 www.catholicunitedfinancial.org

Upper left: Ann Marie catches a shot of the Pope. Left: Thanksgiving Mass for Native Americans in a side chapel of St. Peter’s Basilica. Center top: Betty Young in good spirits on her way back to the hotel after the ceremony. Center: Many of the Native Americans on hand for the Kateri canonization dressed in ceremonial clothing. Right top: Irene Bordeaux and her sister Betty (in a Venice gondola) have been attending Kateri conventions and praying for her sainthood for many years. Right: Sales Rep Butch Byers and Former President Mike McGovern greet the weary travelers upon their return. The borders on this and the previous pages are photos of tilework at Young’s parish, St. Francis Church, in St. Francis, S.D.



Keys Kingdomto your

Estate Planning with John Tetzloff

John Tetzloff, CLU, FICF, LUTCF, is the Catholic United Financial Advanced Case Specialist and Trainer.

He leads estate planning seminars throughout the year and is the host of the “Creating Wealth Beyond Money” radio show, which can be heard Saturday mornings on the Relevant

Radio network. He has more than 20 years’ experience in estate planning and financial preparedness.

Think back a few years and the conversations revolved around the same concerns at that time as well. What all this tends to cause is a sense of uncertainty and maybe a little fear as we contemplate our own personal financial situations.

As I go out and visit with people personally and at seminars, they often talk about not being able to control these outside factors which in turn prohibit them from planning. The thing is, though, we CAN control our own personal situations. We can put our own “house in order” despite what’s going on around us! We just need to have the right tools and knowledge in place to make good, solid decisions even in times that seem so uncertain.

The first step to help in preparing a good, solid plan is to really know what you have in your estate. While we all probably have a good understanding of what makes up our personal estates, do we really know how each asset works. What type of tax rule does it play by? How does the asset pass to the next generation? Is it protected from long-term illness or death? Each asset we have plays by a different set of rules.

Understanding that can help people make solid, certain decisions in their planning. The Sales Reps at Catholic United Financial have available an Estate Planning Fact Finder that assists in gathering information and asking the right questions.

After understanding how each asset works, the next step in preparing a good plan is to take a “snapshot” of the entire estate. See how all the assets fit together with a person’s goals and objectives in mind. We often say at Catholic United Financial that we help people put all the pieces of their estate (assets) on the table and then help them put it back together in ways that match their goals and objectives. We offer this assistance as a benefit to our members and Catholics free of charge.

Once the review and analysis are complete, good decisions can be made based on the current and future rules and regulations, current and future goals and objectives, and the overall recommendations given. At this point we often need to meet with an

attorney or accountant to complete the legal and tax work of a given plan. Most of the Sales Reps help people get ready for this visit and often accompany the member to the meeting for support.

In times of uncertainty, Catholic United Financial can be a great resource to provide help for those who are looking to “put their house in order.” With our knowledgeable and caring Sales Reps we can help you through the process of gathering and analyzing information and providing answers and support. If life insurance and/or annuities are needed to provide certainty, using Catholic United Financial products can provide a safe, guaranteed choice when building a solid plan.

Please contact your local Sales Representative if you are interested in wading through all the uncertainty that surrounds us to arrive at a solid, safe plan for you and your family.

May God bless you and your families.

The economy, unemployment, land prices, the “Fiscal Cliff,” are all words and phrases that have been in the news and in a lot of conversations this past year. These topics are not new.



SeptemberJoan M Bachynsky, 78 Minneapolis, MN St. Ann’s

Francis J Barthel, 61 St. Michael, MN St. Michael

Robert J Bullemer, 84 Gibbon, MN St. Willibrord

Alice G Bungert, 88 Bloomington, MN SS. Ann & Wendelinus

John A Carland, 73 Minneapolis, MN St. Boniface

Rufina T Deidrick, 93 Winsted, MN Holy Family

Vera C Deutsch, 90 Union Hill, MN St. John

Ann R Dietz, 86 Victoria, MN St. Victoria

Mary P Gertken, 85 Cold Spring, MN St. Boniface

Fr. Lawrence P Ginther, 91 Winona, MN SS. Joseph/Elizabeth

Clarence S Gleisner, 92 New Ulm, MN St. Joseph

Marland C Goettl, 76 Madison Lake, MN All Saints

Leo P Granlund, 89 Litchfield, MN St. Philip

Leo F Haas, 88 Madison, MN St. Michael

Jerome H Haus, 67 St. Cloud, MN St. Augustine

Gerald Hauwiller, 61 St. Bonifacius, MN St. Boniface

Monna C Hoffman, 84 Johnsburg, MN St. Theresa

Leo J Hoffmann, 91 Searles, MN St. John the Baptist

Margaret T Holland, 74 Rollingstone, MN SS. Nicholas/Theresa

Ottilia A Jaros, 95 Mahtomedi, MN St. Jude of the Lake

Roy E Jurek, 72 Pierz, MN SS. Mary & Joseph

Richard S Kastner, 79 Sauk Rapids, MN Sacred Heart

Eva Keller, 79 Fargo, ND Holy Cross

Bernard P Lang, 83 Roscoe, MN Holy Family

Michael L Lizotte, 45 Melrose, MN SS. Bernard/Elizabeth

Eugene C Martinka, 88 New Ulm, MN St. Joseph

Matthew J Montag, 20 Rosen, MN SS. Anthony/Monica

Mary C Nanik, 91 Bluffton, MN St. John/Holy Family

Jerome A Olmscheid, 86 Lake Henry, MN St. Margaret

John Oxborough, Jr., 87 Bloomington, MN ss. Ann & Wendelinus

Marjorie Placek-Simmons, 82 Yankton, SD Sacred Heart

Rolland A Ramler, 74 Richmond, MN SS. Catherine/Joseph

Bernice Reding, 83 Stacyville, IA Visitation

Cletus J Schefers, 75 Delano, MN SS. Anthony & Ann

Harold C Schmid, 84 New Ulm, MN St. Joseph

Kathleen E Schuller, 65 Clara City, MN SS. Anthony & Clara

Justin H Schulte, 87 Freeport, MN Sacred Heart

Lori A Sprenger, 45 Melrose, MN SS. Bernard/Elizabeth

Regina A Steil, 92 Freeport, MN Sacred Heart

Gerald A Vogl, 77 Morgan, MN St. Michael

Dorine M Von Wahlde, 78 New Munich, MN Immac. Conception

Theodore H Weber, 85 Pierz, MN SS. Mary & Joseph

Ernest N Werner, 93 Vermillion, MN SS. Barbara & John

Charles R Whitcomb, 95 Paynesville, MN St. Louis

Karen M Boese, 54 Sauk Rapids, MN Sacred Heart

Mary A Boner, 89 Sykeston, ND SS. Joseph/Elizabeth

Eleanor G Bosch, 83 Detroit Lakes, MN Holy Rosary

Ora M Bruns, 83 Wilmont, MN St. Kilian

Joyce R Bungert, 68 Bloomington, MN SS. Ann & Wendelinus

Kathleen L Carpenter, 56 Wabeno, WI St. Ambrose

Kathleen A Cliff, 64 Mankato, MN Holy Family

Imelda L Domeier, 92 New Ulm, MN St. Elizabeth

Germaine A Ford, 86 St. Bonifacius, MN St. Boniface

Edward J Frieler, 94 Melrose, MN SS. Bernard/Elizabeth

James L Goblirsch, 86 Wabasso, MN St. Anne

Charlotte F Graunke, 84 Delano, MN SS. Anthony & Ann

Irene a Haebig, 89 Wabeno, WI St. Ambrose

Anthony V Hauser, 56 Sleepy Eye, MN St Mary

Richard R Hentges, 67 Jordan, MN St. John the Baptist

Robert M Huset, 79 Rice Lake, WI St. Joseph’s

Ida Janni, 95 New Ulm, MN St. Mary

Viola A Jeurissen, 89 Victoria, MN St. Victoria

Rosemary C Kelzer, 83 St. Paul, MN St. Anthony-Maria Hilf

Margaret G Klaers, 73 Loretto, MN SS. Peter & Paul

Aloysius Klingelhutz, 80 Bloomington, MN SS. Ann & Wendelinus

Patrick G Kuck, 74 Searles, MN St. John the Baptist

Hilary J Kuznia, 76 Fosston, MN St. Mary’s

Richard Lenneman, 85 St. Michael, MN St. Michael

Bernard J Lieser, 102 St. Martin, MN St. Martin

Celine A Mamer, 80 St. Leo, MN St. Leo

Janet A McNamara, 76 Hastings, MN St. Elizabeth Ann Seton

Lorraine B Meyer, 87 Sauk Centre, MN St. Paul

Lucina A Moonen, 98 Cologne, MN St. Bernard

Darlene J Peichel, 76 Lakeville, MN All Saints

Catherine R Peterson, 20 Pine City, MN Immac. Conception

John G Price, 91 Wabasso, MN St. Anne

Lorella C Pundsack, 78 New Munich, MN Immac. Conception

Laurence Puterbaugh, 47 Sioux Falls, SD St. Lambert’s

Suzanne M Reinert, 46 Richmond, MN SS. Catherine/Joseph

David S Reisinger, 80 Cold Spring, MN St. Boniface

Mark T Schloeder, 48 Sauk Rapids, MN Sacred Heart

Garrett S Schlosser, 49 Jordan, MN St. John the Baptist

Peter D Schoen, 79 Hastings, MN St. Elizabeth Ann Seton

Lenora S Schroeder, 84 Cold Spring, MN St. Boniface

Leroy J Seifert, 77 Paynesville, MN St. Louis

Patricia St. Lawrence, 86 St. Paul, MN St. Anthony-Maria Hilf

John L Steffl, 80 Sleepy Eye, MN St. Mary

Linda K Stoffel, 65 Vermillion, MN SS. Barbara & John

William Van Beusekom, 89 Delano, MN SS. Anthony & Ann

Bernard H Voss, Jr., 90 Rogers, MN Mary Queen of Peace

Lorraine A Altman, 96 New Ulm, MN St. Mary

James L Bergeron, 86 Minneapolis, MN St. Boniface

Mathew G Berres, 73 Murdock, MN Sacred Heart

Joseph A Berscheit, 85 Melrose, MN SS. Bernard/Elizabeth

Adelaide E Binner, 92 Wabasha, MN SS Joseph/Kunigunda

Virgil B Brgel, 76 Gibbon, MN St. Willibrord

Rose A Bromen, 96 Sauk Centre, MN St. Paul

Donald Bromenshenkel, 61 Sauk Centre, MN St. Paul

Michael J Carkhuff, 46 Wadena, MN St. Joseph

Elizabeth Conway, 91 St. Paul, MN SS. Matthew/Cecelia

Hildegard M Denn, 94 Mankato, MN Holy Family

Andrzej M Dobrzynski, 68 Rochester, MN Holy Family

James M Dockendorf, 76 Cold Spring, MN St. Boniface

Mark E Eichten, 90 Theilman, MN Holy Family

Jeanette C Fox, 96 New Trier, MN SS. Nicholas/Theresa

Irene S Gnitka, 96 Delano, MN SS. Anthony & Ann

In loving memory of our deceased members

October

November

A note on these extended memorials:The November/December issue of Our Catholic Journey was a special condensed edition. Because of space constraints, no Memorials were included. The following represents two publishing periods of memorials.

Memorials



AnnouncementRecipes will return!

We know recipes are one of the most popular features of any magazine, and we will bring them back in March/April. But we want to hear your comments! Would you be interested in recipes you can scan with your smartphone? Would you use these? How about the pull-out cards? do you like them compared to using a page in the magazine? Tell us what you want with your publication; contact us at [email protected].

Herbert J Gohman, 92 St. Cloud, MN St. Anthony

Patricia H Grall, 80 Leavenworth, MN Holy Family

Ann R Grund, 88 St. Paul, MN Home Office

William C Hazel, 85 Bloomington, MN SS. Ann & Wendelinus

Leona C Hemmesch, 83 Richmond, MN SS. Catherine/Joseph

Elaine R Hillesheim, 90 New Ulm, MN SS. Joseph & Elizabeth

Friedericka Hollermann, 96 St. Cloud, MN St. Augustine

Craig R Huffman, 49 Minneapolis, MN St. Boniface

Loismae C Huneke, 81 Wabasha, MN SS. Joseph/Kunigunda

Jerome J Janski, 87 Minneapolis, MN St. Boniface

Marie J Kaping, 85 Hutchinson, MN St. Anastasia/Boniface

William J Kaufhold, 76 Victoria, MN St. Victoria

Gertrude B Kessler, 87 Pine City, MN Immac. Conception

Jerome H Klimek, 84 Millerville, MN St. Catherine

Charles J Krump, 73 Fergus Falls, MN (blank)

Connie K Ladwig, 49 Minneapolis, MN St. Ann’s

Br. Robert S Ludwig, 87 Lake Henry, MN St. Margaret

Patricia a Matejcek, 71 Mankato, MN Holy Family

Ottillia Meyer, 98 Mankato, MN Holy Family

John S Miller, 62 Sauk Centre, MN St. Paul

Phyllis E Mohs, 77 Luxemburg, MN SS. Theresa/Wendelinus

Lorraine A Moltor, 86 Sauk Rapids, MN Sacred Heart

Georgina E Moonen, 88 Cologne, MN St. Bernard

Leo J Moorse, 85 Wilno, MN SS. Cyril & Methodius

Virginia M Moselle, 90 Rockville, MN Mary Immac. Conception

Harold L Otto, 89 Gibbon, MN St. Willibrord

Margaret A Pexa, 87 Shakopee, MN St. John the Baptist

Lawrence Pillatzki, 88 Murdock, MN Sacred Heart

Joseph M Reiland, 90 Rochester, MN Holy Family

Robert L Rengel, 61 Wadena, MN St. Joseph

Thomas A Revier, 68 Detroit Lakes, MN Holy Rosary

Joseph M Rieland, 50 New Munich, MN Immac. Conception

John J Riestenberg, 85 Dent, MN Sacred Heart

Gerald H Rollinger, 84 Faribault, MN SS. Lawrence & Anna

Helen C Schleper, 91 Richmond, MN SS. Catherine/Joseph

Leonard G Schniebel, 84 Sykeston, ND SS. Joseph/Elizabeth

Bernice M Schweiss, 79 Fairfax, MN SS. Mary & Joseph

Wendelin G Sellner, 80 Sleepy Eye, MN St. Mary

Jerome C Speltz, 96 Rollingstone, MN SS. Nicholas/Theresa

Andrew J Stang, 85 Richmond, MN SS. Catherine/Joseph

John H Stopyro, 83 Rochester, MN Holy Family

Marion M Sullivan, 92 New Ulm, MN SS. Joseph & Elizabeth

Jerome F Thill, 79 St. Paul, MN St. Anthony-Maria Hilf

William C Weber, 87 Springfield, MN St. Boniface

Victoria R Wenner, 62 Sleepy Eye, MN St. Mary

Harold F Widmer, 87 St. Bonifacius, MN St. Boniface

Ervin B Wiechmann, 84 Melrose, MN SS. Bernard/Elizabeth

Richard A Wiehoff, 77 Sartell, MN St. Francis Xavier

Herbert P Windschitl, 82 Cold Spring, MN St. Boniface

Bridget H Worms, 95 New Munich, MN Immac. Conception

Theresa J Zachman, 80 St. Michael, MN St. Michael

Jane M Anderson, 60 St. Paul, MN St. Bernard’s

Diane W Barrette, 66 River Falls, WI Fr. Solanus Casey

LeRoy L Bierle, 83 Vermillion, SD St. Agnes

Gladys S Blake, 86 Stacyville, IA Visitation

James A Braun, 62 Aberdeen, SD SS. Joseph & Ann

Vincent B Clouse, 99 Bird Island, MN St. Mary

Donald C Doll, 88 Bluffton, MN St. John/Holy Family

Jerome J Gerlach, 76 St. Paul, MN SS. Peter & Clemens

Michael N Gruber, Jr., 83 Lake Henry, MN St. Margaret

Leander A Heuring, 94 Albertville, MN St. Albert

Norbert F Hoffman, 83 Parkston, SD Holy Cross/St. Mary

Josephine A Hoheisel, 78 Pierz, MN SS. Mary & Joseph

Kenneth W Kuck, 72 Searles, MN St. John the Baptist

Alice F Leif, 74 Millerville, MN St. Catherine

Marilyn L Lenss, 78 Minneapolis, MN St. Ann’s

Ashton D May, 25 Johnsburg, MN St. Theresa

Robert E McCarney, 91 Manannah, MN Our Lady of Grace

Hildegard R Mehr, 90 Richmond, MN SS. Catherine/Joseph

Genevieve B Molitor, 93 Adrian, MN St. Joseph

James E Nelson, 61 St. Paul, MN SS. Peter & Clemens

John M Pflueger, 90 Jacobs Prairie, MN St. Jacob

Delores A Preisinger, 90 New Ulm, MN SS. Joseph & Elizabeth

Joseph M Reiland, 90 Rochester, MN Holy Family

Sr. Christa Rein, 87 Cologne, MN St. Bernard

John J Riestenberg, 77 Dent, MN Sacred Heart

Agnes L Rosenthal, 81 Bertha, MN SS. Joseph & Edward

Carolyn Sand, 69 Roscoe, MN Holy Family

Michael J Schaack, 97 Hampton, MN St. Mathias

Margaret B Schmidt, 89 Millerville, MN St. Catherine

Aletha M Schnieder, 84 Dimock, SD St. John the Baptist

Mary A Schonher, 80 Albany, MN St. Anna

Jerome E Schroepfer, 84 Sleepy Eye, MN St. Mary

Rose M Schwegel, 88 Cold Spring, MN St. Boniface

Loretta K Solheid, 94 Belle Plaine, MN St. Anna

Bertilla C Solinger, 85 Pierz, MN SS. Mary & Joseph

Russell G Spoerner, 84 Chaska, MN Guardian Angels

Kenneth N Strauss, 82 Red Wing, MN SS. Joseph & Mary

Adeline C Weber, 96 Rogers, MN Mary Queen of Peace

William C Weber, 87 Springfield, MN St. Boniface

Lillian Weis, 103 Bird Island, MN St. Mary

Arthur E Welle, 62 Holdingford, MN St. Joseph

Audrey M Welle, 90 Albany, MN St. Joseph

Arlene D Werner, 80 Perham, MN Holy Family

Lydia M Willenbring, 86 Richmond, MN SS. Catherine/Joseph

Esther R Winters, 86 Sauk Center, MN St. Paul

If your loved one is from the Green Bay, WI area, their memorial should appear in the March/April issue of Our Catho-lic Journey.

A programming discrep-ancy in our last issue assigned all American Fraternal Union mem-bers to that area, and until it has been recti-fied, we will withhold Green Bay memorials. Our goal is to avoid the mistaken impres-sion that an inordinate amount of deaths have occurred in that area. We apologize for the omission, and thank you for your patience and understanding.

November

December

A note on these extended memorials:




Minutes of the Board of Directors

The 2013 Board of Directors.Front row from left: Interim Senior Vice President & Secretary/Treasurer Mike Ahles, President Harald Borrmann and Lead Director Joseph Kueppers. Back row from left: John Maile, Michael Schmitz, Renee Brod, Patricia Kasella, Robert Krattenmaker and George Gmach.

October 11, 2012The meeting was held at the Home

Office in St. Paul, MN and started at 9:38am with Lead Director Deb Pauly leading the Directors in the Opening Prayer and the Pledge of Allegiance. All members were present.

The September minutes were reviewed with minor corrections made and the thusly revised minutes were moved for approval by Director George Gmach, seconded by Director Fran Barten and approved.

Chairman Michael McGovern and Secretary Harald Borrmann reviewed the Investment Activities Report and Annuity Crediting Rates for September. The Association’s investment results are consistent with recent months with yields stabilized at low levels. Mr. Borrmann discussed an analysis completed recently by one of the Association’s investment advisers which predicts portfolio yield and is an effective model for the financial team. Mr. Kueppers inquired as to the status of the Association’s relationship with other financial vendors. Mr. McGovern commented that a further assessment will occur in 2013. Mr. Borrmann highlighted the mutual fund trades executed in September. The overall quality of the investment portfolio continues to be good with no investments outside the guidelines established by the Board. Mr. Gmach moved, Mr. Kueppers seconded and the Board approved the Investment Reports.

With respect to Policy Governance, the following items were discussed:

Board Committee Structure Policy: Mr. Kueppers moved for one revision and for acceptance, Director Bob Krattenmaker seconded and the Board approved.

Board Committee Principles Policy: The policy was reviewed

and Ms. Barten requested that governance best practices on this topic be evaluated.

Board Members’ Code of Conduct: Policy was reviewed with no changes.

Cost of Governance Policy: Mr. Borrmann reviewed the policy noting 2013 estimates will be prepared.

Compensation and Benefits Policy: Mr. McGovern reviewed the updated policy, Mr. Kueppers moved for acceptance of the revised policy, Mr. Krattenmaker seconded and the Board approved.

Mr. Kueppers discussed the Audit Committee Report noting the Association’s auditors, Strohm Ballweg, expressed no concerns with the 2012 audit plan. Mr. Kueppers reviewed the 2012 audit engagement letter and moved for its approval, Mr. Gmach seconded and the Board approved. Mr. Kueppers discussed risks including the tax-exempt status granted to fraternals, the impact of low interest rates and surplus. Mr. Kueppers moved for approval of the report, Ms. Pauly seconded and it was approved by the Board.

Mr. Borrmann discussed Risk Management activities which included:

A new backup site for the Association’s mainframe system.

Disaster recovery plan will be updated in 4th quarter and 1st quarter 2013.

State of Minnesota Exam continues with no significant issues noted.

Mr. McGovern presented an option for Robert’s Rules Training.

Mr. McGovern reviewed a request for a building grant. Ms. Pauly moved, Mr. Kueppers seconded and the Board approved the grant.

Mr. McGovern presented a calendar for review of the Catholic United Financial Constitution

& By-Laws during 2013.Mr. McGovern presented his

President’s Remarks, as follows:Retired Spiritual Director,

Msgr. James D. Habiger passed away on October 9th. We are very grateful for the Monsignor’s service and mourn his passing.

Credit Union is completing an agreement for a large SEG group.

Securities Lending matter was updated.

Mr. McGovern and Mr. Borrmann have a meeting scheduled with Bishop John LeVoir about becoming the Association’s Spiritual Director.

E-mail survey to Members and non-members had a favorable response as did Marketing’s September mailer.

The Foundation’s financial statement audit went well. Technology and Chastity grant decisions were made with higher overall 2012 gifts fueled by the success of the golf event. Mr. Borrmann will become the Foundation’s Board Chairman effective January 1, 2013.

Ms. Pauly and Ms. Barten attended a Pro Life Action Ministries event.

Life sales are up whereas annuity sales are down year to date after trending up for most of 2012; both are welcome. Total members are 84,090 currently. The normal decline of the AFU block is expected inasmuch as no new AFU members have been written since May of 2011.

The closing prayer was led by Ms. Barten and the meeting was adjourned at 1:00 pm.

Respectfully submitted,

Harald E. BorrmannSenior Vice President and

Secretary/Treasurer

The meeting was held at the December 13, 2012



Association Business

Home Office in St. Paul, MN and started at 9:35 am with Secretary Harald Borrmann leading the Directors in the Opening Prayer and the Pledge of Allegiance. All members were present as were Directors-elect Renee Brod, Patricia Kasella and Michael Ahles, Interim Secretary, whose appointments as Directors begin January 1, 2013.

The October Minutes were reviewed with minor corrections made and the thusly revised Minutes were moved for approval by Mr. Kueppers, seconded by Director Bob Krattenmaker and approved.

Chairman Michael McGovern and Secretary Harald Borrmann reviewed the Investment Activities Reports and Annuity Crediting Rates for October and November. The Association’s investment results are consistent with recent months with yields stabilized. The quality of the portfolio is good with no investments outside the guidelines established by the Board. Mr. McGovern discussed a recent meeting with the Association’s primary bank partner. Director Deb Pauly moved, Mr. Kueppers seconded and the Board approved the Investment Reports.

Mr. Ahles was selected as the Association’s Compliance Officer via a motion by Ms. Pauly and a second by Mr. Kueppers; the motion passed. Howard Heidorn was selected as the Association’s Illustration Actuary via a motion by Mr. Kueppers and a second by Director George Gmach; the motion passed. Mr. Ahles was selected as the Association’s Illustration Officer via a motion by Mr. Kueppers and a second by Mr. Gmach; the motion passed.

Mr. Borrmann explained the recommended 2013 dividend for life policies then moved, and Ms. Pauly seconded, that this dividend be used for 2013; the motion passed.

Regarding Policy Governance, Mr. McGovern led a discussion or action on the following items:

Board Committee Principles Policy: Mr. Ahles presented findings on governance best practices.

Communication and Support to

the Board Policy was reviewed.Monitoring CEO Performance

was reviewed with slightly revised wording.

Cost of Governance Policy was reviewed with changes noted. This policy will be updated for approval in January.

Privacy Resolution was reviewed noting the Association does not share Member information. Mr. Kueppers moved, Director Bob Krattenmaker seconded and the Board approved this resolution.

Mr. Kueppers moved, Ms. Pauly seconded and the Board approved the revised By-Laws for four councils.

Mr. Kueppers discussed the Audit Committee Report. No issues arose. Mr. Kueppers moved for approval of the report, Mr. Gmach seconded this motion and it was approved by the Board.

Mr. Ahles shared training materials on Robert’s Rules of Order.

The Compensation Committee met in closed session, and their report was then moved for approval by Ms. Pauly, seconded by Mr. Gmach and approved by the Board.

Mr. McGovern presented his President’s Remarks, as follows:

American Fraternal Alliance launched a new brochure.

Bishop John LeVoir from the Diocese of New Ulm accepted the position of Spiritual Director of the Association.

Mr. McGovern met the 2012 Catholic Schools Raffle second place winner who attended the canonization of Saint Kateri Tekakwitha as her award for winning the raffle prize.

Transition from Mr. McGovern to Mr. Borrmann as the Association’s new Chairman and President beginning January 1, 2013, continues as planned.

Employees increased United Way donations by 35% over the prior year.

A thank you was received from the University of St. Thomas for our donation to the Habiger Institute for Catholic Leadership.

Life sales are up and annuity sales are now down vs. 2011. Both

are as planned. Net membership is up slightly for the year.

Mr. Borrmann presented the Third Quarter Financial Report noting that assets exceed $766 million and year to date earnings improved during the quarter. The full report is available from the Home Office. Mr. Borrmann discussed Risk Management activities which included:

A meeting with the Minnesota Department of Commerce. The Association continues to benefit by proactive and open communication with regulators.

A new backup site for the Association’s mainframe system was completed and the new network recovery facility will be complete in early 2013.

State of Minnesota Exam continues with no significant findings noted.

Internal review of unclaimed property is progressing.

Mr. McGovern reviewed a resolution from the Foundation Board of Directors seeking approval of planned leadership changes and the transfer of the Monsignor Schuler Trust assets to the Foundation. Mr. Gmach moved, Director Fran Barten seconded, and the Board approved this resolution.

Mr. McGovern reviewed a request for a building grant from Saint John Vianney Seminary. Mr. Kueppers moved, Ms. Pauly seconded and the Board approved the grant.

Mr. Borrmann presented the annual Conflict of Interest and Code of Ethics Statements and all Board members signed and returned these statements.

Mr. McGovern thanked Ms. Pauly and Ms. Barten for their years of tireless service to our Association as Board members and all thanked Mr. McGovern for his visionary leadership as Chairman and President for the past 15 years.

The closing prayer was led by Mr. McGovern and the meeting was adjourned at 2:10 pm.

Respectfully submitted,

Harald E. BorrmannSenior Vice President and

Secretary/Treasurer

Board Minutes are abridged. Complete minutes are available at no charge by contacting the Home Office at 1-800-568-6670 or by visiting our website.


It all started in 1987. Now after 25 years, I’m sure you’ve all been to one. Every year, at least 170 parishes in our territory hold Matching Grant

events, making them our most utilized fraternal program. And the amount of money is nothing to sneeze at: In 2012, more than $730,000 went to support Catholic education with your help. We often hear comments in the fraternal department such as “We peeled a quarter-ton of potatoes for our event,” “We served more than 1,000 meals” and “A local farmer donated a pig for our hog roast.” A tremendous amount of work is put in by youth and seniors alike, and droves of people pack church basements and parish halls – all for one reason: to support Catholic education.

Personally, I love Matching Grant breakfasts and dinners. Think about all of those potato pancakes, waffles and omelets. Can you smell the bacon!? Seriously, where else can you win a meat raffle, stuff your face with potato salad, buy a year’s supply of Christmas cookies AND offer the gift of Catholic

education to a young family? From my chair, I have the privilege of seeing the

difference Catholic United members are making in their communities. For many parishes, this is an annual event, woven into the identity of the parish community. Where else are you going to get a quart of Fr. Tony’s special spaghetti sauce? These funds are contributing to technology upgrades, new text books and a reduction (or elimination!) of tuition costs. Whether it’s the Potato Pancakes and Sausage in Meire Grove, all the pie you can handle in Detroit Lakes or the Fish Fries in Brainerd, a common thread exists that makes Catholic United special: We gather in support of a greater cause; a greater good. We work our tails off to improve our communities and we care.

So if you’re reading this and you’ve planned, attended or worked at a Catholic United Matching Grant Event (and I’m guessing that’s most of you) – Thank You!

Remember, while the money is nice, pulling together as a Catholic community around a common goal is priceless – and Father Joseph’s eggrolls are pretty good too. Parishes with a Catholic United Council are eligible for a $1,000 annual match, and parishes without councils are eligible for a $500 annual match. If your parish is missing out, contact your local sales representative to get started (see the back pages) or contact the fraternal department by phone at 1.800.668.6670 or email [email protected].

Wishing you an abundantly blessed 2013. Try not to over-eat!

Nate Lamusga, Fraternal Youth Liaison

Fraternal

The R.E.New Fund for Catholic Religious Education is a pilot program designed to generate new members by supporting the Catholic School or Catholic religious education program of the new member’s choice.

20 January/February 2013 www.catholicunitedfinancial.org

Matching Grant events, like the raffle bazaar held September 30, 2012, in Hoven, S.D., can raise money and bring people together. This event was organized by dedi-cated officers (from left) Vicki Rausch, Janine Stuwe, Jean Dreis and Joann Rader.

Highlight!

Matching GrantsOur most popular way to raise money for Councils and Parish groups alike



January/February 2013 21

Catholic United Kid

s

Amazing Saints artwork and games ©2013 Mario D. Macari. All rights reserved. [email protected]

[email protected]

Catholic United Kids

Name: Rachel MichelsAge: 6 Hometown: Eagan, Minn.School: Deerwood Elementary

The Rundown on Rachel: Happy New Year and congratulations to Rachel Michels of Eagan, Minn. Rachel is a good student from Deerwood Elementary who loves to read and play with her friends. She’s got a lot to look forward to in 2013. In March she’ll turn seven. And she can’t wait for nice weather to get back outside to ride her bike and go swim-ming. Until then she can enjoy her prize pack and her favorite food, Peanut Butter and Jelly sandwiches. Congratulations, Rachel!

Cool Kid

Be the March/April Cool Kid! Fill out the puzzles on this page as best you can and submit them to Our Catholic Journey. One winner will get a Catholic United prize pack! Include your information, as seen above, a photo (can be returned) and a phone number. Send to: Catholic United Kids, 3499 Lexington Ave. N., St. Paul, MN 55126.

off




ye on the IndustryYour sneak peek into current trends of the fraternal life insurance industry

What is your life in-surance IQ? LIMRA, the

insurance industry trade orga-nization, asked 4,000 Americans to

take a basic, 10-question test about life insurance, and the results showed that most lacked an under-standing about the product. Less than one-third of the people who took the test got at least five of the 10 questions correct. Less than one per-cent passed all 10.

“With life insurance ownership at

an all-time low, it is important that the industry not only overcome con-sumers’ lack of knowledge about life insurance but address the misinfor-mation that is out there confusing them and possibly having a negative impact on their image of the indus-try,” said Jennifer Douglas, LIMRA associate research director for strate-gic and developmental research.

The test asks respondents about the differences between term and permanent insurance, whether or

not benefits are taxed, and charac-teristics of individual versus group life insurance. Most people who took the test knew the basic functions of life insurance, but they were less like-ly to know answers to questions such as, “What happens to my policy if an insurance company goes bankrupt?”

LIMRA invites everyone to test their life insurance IQ online at: www.limra.com/NewsCenter/LIIQ

(Source: www.limra.com)

Most Americans flunk life insurance IQ test

Across1. “Expendables” star who is a

Catholic5. Catholic comedian, Steve ____10. Saint _____ Ann Seton11. Actor in “The Departed” who is

a Catholic, Martin ___12. It means modern as a prefix

13. Annuities are paid out _____14. Good grades in exams15. Sackcloth and ___es, a sign of

mourning in the Bible19. ___ mission (2 words)21. Lead singer of the Black Eyed

Peas who is a Catholic22. False god in the Bible

24. Number of each species that entered the ark

25. Before Christ, for short26. Opposite of love28. Sin30. For example, abbr.35. Pope from 1623 to 164436. California governor, who is a

Catholic37. “Come unto me, ye who __ weary and overbur-dened, and I will give you rest”38. Famous jazz pianist, who is a Catholic, Harry____ Jr.40. Catholic political com-mentator, ____Matthews41. 2x National Champion college football coach,who is a Catholic, Urban ____42. Middle name of a fa-mous classical musiccomposer who was a Catholic

Down1. “Movie, “Archbishop Fulton J. ____” Servant of All”2. Supreme Court justice who is a Catholic3. Five ___ and two fishes

4. Poor6. Grant remission of a sin to7. Genesis garden8. Advances money9. “... I will give to your servants,

the hewers that cut timber, twenty thousand measures of beaten ____” 2 Chronicles 2:10

16. Oscar de la ___, top boxer and a Catholic

17. Nest ___ for retirement18. He dreamed of a ladder20. Feasted upon21. Enemy23. Sailor, for short26. Fox News TV host who is a

Catholic, Sean _____27. Philosopher29. The wife of Isaac31. First book of the Bible32. Papal representative33. He was featured in the DVD

Documentary on Catholic base-ball, Mike ____

34. “The Wrestler” star who is a Catholic, Mickey _______

39. ___ de plume

Solution posted at www.catholicunitedfinancial.org/links/games

Jan/Feb Catholic Crossword

http://www.limra.com/NewsCenter/LIIQ

http://www.limra.com

http://www.catholicunitedfinancial


Sales Representatives in Your AreaDirectory

January/February 2013 [email protected]

Lori Jackson [email protected], Vermillion

Mary Holm, [email protected] & surrounding area

Jeff Passe, FIC, [email protected], Cottage Grove, Stillwater

Mary Harens, FIC [email protected]. Paul area

Roger Reitmaier, [email protected]. Charles

Robb Smith, FICF [email protected] Manager, East

Susan Stenzel ChFC, LUTCF, [email protected], Adams

Jeff Plank, FIC507-457-0413 [email protected] and surrounding area

Roger Bauer, FIC [email protected] Falls, Hampton

Michael Gross, [email protected], St. Paul, Roseville

Gail Hakes [email protected], Austin and surrounding area

Metro/East

Patrick Brown, FIC, [email protected] Manager, Metro

Jamie Hansen [email protected], Rollingstone, Stockton

Mike Skillrud(612) 750-5885 [email protected], Cottage Grove, Eagan, Inver Grove Heights

Region Events Feb. 18 - Presidents Day The Catholic United Financial Home Office will be closed.March 1 - Catholic Schools Raffle Ticket Selling Deadline Today is the last day for ticket sales in the Catholic Schools Raffle. All tickets, sold and unsold, must be returned to the Home Office for inclu-sion in the Raffle drawing on March 14.

March 14 - Catholic Schools Raffle Prize Drawing Ceremony Win a car, a trip or several other wonderful prizes during the live drawing ceremony at the Home Office in St. Paul. The ceremony will be

broadcast live online. Visit www.catholic united.org on this day to watch.

March 29 - Good Friday The Catholic United Financial Home Office will be closed.

April 21 - Communion Sunday Breakfast St. Peter and St. Clemens Council will host a communion breakfast at Church of the Assumption in St. Paul. After 9:30 a.m. Mass, a light breakfast will be served and a speaker will address the group. Contact Sales Representative Mary Harens for more details.

May 20 - Foundation Golf Tournament Fundraiser for the Catholic United Financial Foundation at River Oaks Golf Course in Cottage Grove, Minn. Registration and lunch starts at 11 a.m. Call 1-877-275-7145 to register.

May 31-June 1 - MN Catholic Home Education Conference Say “Hi” to us at the Catholic United booth at this conference, held at the University of St. Thomas in St. Paul, Minn. More information can be found at www.mnconference.org or contact Sales Representative Mary Harens for more details.















http://www.catholic

http://www.mnconference.org

http://www.mnconference.org



3499 Lexington Ave. N., St. Paul, MN 55126-8098

6 4289 8 0 6, .Raised By Councils:$Matched: 8424 2 8 8, .$

Catholic United Financial Fraternal Results through December, 2012

Hours Volunteered: 4147 8,

Total: 7 3704 0 9 4, .$

Conclusion: Local councils give big and win big in 2012

Council Winners - Cash Donation Prizes 1st Place ..............SS Cyril & Methodius Council #307 of Wilno, Minn.* 2nd Place ..............Bread of Life Council #382 of Marshall, Minn.* 3rd Place ..............St. Michael Council #31 of St. Michael, Minn.* 4th Place ..............St. Kilian Council #70 of Wilmont, Minn.*

Individual Winners - Cash Prizes 1st Place ..........Mary Weidert* 2nd Place ..........Mary Jerzak* 3rd Place ..........Julia Knauss 4th Place ..........Darlene Carlson

*winner also qualifies for gift card prize to the Catholic United Financial Logo Store

Council Winners - Logo Store Gift Card• Immaculate Conception Council #315 of Pine City, Minn.• SS Peter & Clemens Council #1 of St. Paul, Minn.• St. John Bosco Council #393 of Pipestone, Minn.•Mary Queen of Peace Council #75 of Rogers, Minn.• SS Anthony & Ann Council #24 of Delano, Minn.•Holy Rosary Council #321 of Detroit Lakes, Minn.• St. Mary Council #290 of St. Augusta, Minn.

In January of last year, we challenged all of you to share the benefits of membership with friends and family members. In return, those friends and family members gained financial security with a Catholic United product, and you gained the chance to win cash prizes, do-nation prizes, iPads and gift cards. Sounds like a win-win situation!

After a year of amazing activity, we’re excit-ed to announce the winners of our Member-ship Drive prizes, listed to the left. These local councils and individuals, in partnership with their local Sales Representatives, sent in the most referrals who then became new members during 2012. We also gave away 11 iPads dur-ing the year. Visit our website to see a list of these winners.

Now, get ready for the numbers. In total, more than 450 individuals -- representing 98 councils -- sent in more than 3,000 referrals, which generated almost 400 new members!

With this amazing outcome, we say a sincere “Thank you!” to everyone who participated and “Congrats!” to our winners. You are outstanding.

Documents

Our Catholic Journey - January-February 2013