This is living 2014

Owatonna.com

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Visit www.ecumenowatonna.org

2 – Senior Living 2014

Advertising Index Contents

A resource guide for seniors in or around Steele County

A special project of The Owatonna People’s Press135 W. Pearl St., Owatonna, MN 55060

Publisher and EditorRon Ensley

Advertising DirectorDebbie EnsleyManaging EditorJeffrey JacksonMedia Specialists

Beth Barrett, Rachel Ebbers, Betty Frost, Diane Gengler, Aaron Louks, David Weeks

Ad DesignNikkie Gilmore, Naomi Kissling,

Keeley Krebsbach, Jenine Kubista, Kelly Kubista, Paul Ristau

Cover DesignKeeley Krebsbach

Page DesignTony Borreson

3 6 10Priorities Options SecurityDon Overlie stays active in Steele County sports, charity scenes

Semcac offers area seniors nutritious meals as they age

It’s never too late to plan for retirement, financial advisors say

■ Assisted Living Ecumen - Brooks CountrySide .........................2 Prairie Manor .....................10 Valleyview of Owatonna .....16

■ Dental Main Street Dental ............16

■ Entertainment Steele County Free Fair ......8

■ Grocery Cash Wise Foods ................9

■ Monument Owatonna Granite & Monument ...........................7

■ Organizations Grandparents for Education ..........................10

■ Printing J-C Press ..........................14

■ Real Estate Prudential Advantage Realty ...............................12

■ Senior Living Koda Living Community .... 11 Life Style, Inc. .....................4 Morehouse Place ................5 Realife Cooperative ............6

■ Travel Cedar Travel ......................13 Travel Headquarters ............8

Senior Living 2014 – 3

As he’s gotten older, Don Overlie has made it a priority to make sure he stays active, both physically and mentally.

Having carried that attitude throughout his life, the now 73-year-old Overlie has found himself heavily involved in the community. For him, sitting at home and doing nothing during the day has never been an option.

“I’ve always been active, so I guess it’s just always been a part of me, but it’s important to stay active both mentally and physically,” Overlie said. “If you don’t, it seems to me that things atrophy. I like to be involved. Involvement is just an important thing.”

The list of the community organizations he is in-volved with is seemingly endless. He’s served as a

volunteer and assistant coordinator for Toys for Tots of Steele County since 2001, he’s instructed computer classes Owatonna’s SeniorPlace and he’s taught AARP driver’s safety courses, just to name a few.

That volunteer spirit is infectious and causes other people to take notice. One of those people who took notice was Lisa Havelka, tourism director for the Owatonna Area Chamber of Commerce and Tourism, who nominated Overlie for the Book of Golden Deeds award presented by the Owatonna Exchange Club.

Don Overlie stays active in Steele County sports, charity scenes

Don Overlie, assistant coordinator for Toys for Tots of Steele County, takes a look at some of the donations at an undisclosed location in this December 2007 file photo. (Press file photo)

Priorities By AL [email protected]

See PRIORITIES on Page 4

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“He’s willing to get involved and give back to the community, but he’s also very good at encouraging other people to be involved,” Havelka said. “My fam-ily has been involved with Steele County Toys for Tots behind the scenes for a lot of years, and Don actually asked me to get involved and really come forward to get more actively involved.

“That was something he didn’t have to do, but he recognized my talents and helped bring me to the forefront with that organization and I’m able to offer my time and talents to it as well. He definitely has a way of engaging other people in the activities and the events that he gets involved with.”

Overlie is not one who seeks the spotlight, and though he can’t remember the cause, he can remem-

Don Overlie sits at hishome in Owatonna. Overlie has gained recognition for his attitude toward volunteerism and his involvement in numerousevents throughout Owatonna and Steele County. (Al Strain/People’s Press)

PrioritiesContinued from Page 3

See PRIORITIES on Page 5

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ber a time when someone wanted to pay him for some volunteer work that he did.

“I’m going, ‘Why would I charge you for that?’ I enjoy doing it. I enjoy teaching the driver’s safety classes, or the Boy Scout program, or the public library program. I just enjoy doing that,” Overlie said.

The spirit toward volunteering allowed Overlie to be named the Steele County Senior Volunteer of the Year in 2013. He would go on to be named runner-up for the state, named so at the Minnesota State Fair.

While active in volunteering for his community, a trait he said he learned when he was young, Overlie is also physically active. As he does with volunteering, he en-courages other seniors to be active as well.

Perhaps the best example of Overlie’s love of volun-teerism and being physically active came together last summer when Owatonna hosted the Minnesota Senior Games, an event that brought competitors in from across the country.

Overlie competed in the games in Pickleball, a sport that has grown in popularity in Owatonna in the last few years since the Owatonna Pickleball Association, of which Overlie is a founding member, formed. Though he was a competitor, he was also co-chair of the event.

“It was absolutely outstanding. We had a lot of blood, sweat and tears in that. I think we came out very well,” Overlie said, adding that community volunteers support-ing the athletes made the event possible. “I don’t recall the exact numbers, but it had to be at least 100 people

that were involved from the community, and they weren’t all seniors. There were young people involved, as well as seniors, and everywhere in between. It was showing off our community.”

Anne Pleskonko, former director of SeniorPlace, in-cluding during the time when Overlie was a board mem-ber, said she considers Overlie a leader in Owatonna.

“Don never says no. If it’s a project he’s passion-ate about, he will go full speed ahead,” Pleskonko said. “Everything he does, he goes 110 percent, that’s just his nature. Over the past 11 years as I’ve got to know him, he’s just been a very passionate person with every project he participates in.”

There is a simple state of mind that Overlie says he would pass along to fellow seniors, be willing to try some-thing new.

“Stay involved. Don’t be afraid to say, ‘OK,’” Overlie said.

PrioritiesContinued from Page 4

Overlie serves during a

pickleball clinic at the Sid Kinyon Courts

near Lincoln Elementary

School. Overlie was instrumen-

tal in bringing pickleball to

Owatonna. (Press file

photo)

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OptionsFor 13 years, Marlene Grunhovd has eaten lunch at

SeniorPlace in Owatonna.And for a good reason.“My doctor said he doesn’t worry about me as long as

I’m eating here,” she said.Grunhovd isn’t alone.Each day, Semcac, a non-profit Community Action

Agency that serves southeastern Minnesota, provides about 200 hot, nutritious mid-day meals to people 60 years old and older and Head Start students in Steele County, said Deb Praus, site manager for Steele County Semcac.

Semcac offers area seniors nutritious meals as they age

Samantha Aragon, a kitchen helper with Steele County Semcac, serves Joseph F. Clark lunch at SeniorPlace in Owatonna. SeniorPlace is one of several locations that Semcac offers senior congregate dining options. (Ashley Stewart/People’s Press)

By ASHLEY STEWART • [email protected]

See OPTIONS on Page 7

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Semcac offers senior dining options at the Bloom-ing Prairie Senior Center, Cedar Place Apartments in Owatonna and SeniorPlace in Owatonna at 11:30 a.m. weekdays and at the Ellendale Community Building at 11:45 a.m. Mondays, Wednesdays and Fridays. Volunteers with Semcac also deliver meals to Blooming Prairie, Medford and Ellendale through the “Meals on Wheels” program and the “Mobile Meals” program in Owatonna.

“We have a registered dietitian who approves all the meals we provide, and we provide nutritional meals with 600 to 700 calories each,” Praus said. “It is at least one-third of an adult’s daily requirement.”

Semcac also offers diabetic, low-sodium and low-cho-lesterol alternatives for seniors.

Harold Moorman of Owatonna said he doesn’t eat meals like the one at Semcac three times a day.

The meal, on a recent Monday, was meatloaf, sweet po-tatoes, green beans, a morning glory muffin and grapes.

“Ninety-eight percent of the time the food is good, and 100 percent of the time it’s worth the cost,” Moor-man said. “This is the most balanced meal I eat a day. I eat good, but not this good.”

Counting calories, calories that countBut Moorman should eat that good three times a day,

according to local dietitians Louanne Kaupa and Tracy Bjerke.

“We need fewer calories to maintain our body weight as we age, so that means the calories we do consume need to count,” said Kaupa, registered dietitian with Eat Well Therapy. “It’s harder to get valuable nutrients with limited calories. They can’t be wasted on alcohol and sugar.”

OptionsContinued from Page 6

Semcac meal optionS Senior Congregate Dining in Steele CountyBlooming Prairie: At 11:30 a.m. weekdays at

the Senior Center. Reservations can be made the day before by calling 583-7369.

Ellendale: At 11:45 a.m. Mondays, Wednes-days and Fridays at the Community Building. Call 684-3311 the day before dining to make a reservation.

Owatonna: At 11:30 a.m. weekdays at Se-niorPlace or Cedar Place Apartments. Reser-vations can be made the day before by call-ing 455-3195.

Meals on Wheels (Mobile Meals in Owa-tonna)

Blooming Prairie: 583-7571Ellendale: 684-3311Medford: 213-0465Owatonna: 455-3195Meals are delivered by volunteers between

11:15 a.m. and noon.


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Kaupa said calorie needs are dependent on the individual and his or her age, gender, physical activity and present weight.

And she said a balanced diet that contains fruits, vegetables, whole grains, protein and dairy reduces the risk of chronic illnesses like heart dis-ease, stroke, high blood pressure, type-2 diabetes, bone loss, cancer and anemia.

Bjerke, a registered dietitian at Hy-Vee in Owatonna, recommends seniors eat more nutri-ent-rich foods that contain calcium, vitamin D, vitamin B12, fiber, potassium and healthy fats but minimize intake of saturated and trans fats.

“It is very important to have a balanced diet and focus on getting some exercise, too,” Bjerke said. “It’s important to feed your body healthy, nutritious foods because you’ll feel better, and you’ll do more.”

Some nutritious foods that Bjerke mentioned include dark leafy greens like spinach, kale and broccoli and orange vegetables like carrots and sweet potatoes.

“I always recommend a variety because it means there are a variety of nutrients with them,” she said.

Sharon Krohnberg, a volunteer with Semcac, carriesmeals out to her vehicle to be delivered throughout thecommunity. Each weekday a group of volunteersdelivers meals to residents in Steele County through Meals on Wheels and Mobile Meals. (Ashley Stewart/People’s Press)



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Kaupa said Semcac offers senior dining options to Steele County residents to keep them well.

Praus agrees.The mission of the meal programs is to “pro-

mote the independence, dignity, good health and nutritional well being of older persons,” stated in the program’s brochure.

And Praus said the way Semcac accomplishes the mission changes over time.

“Starting soon, Semcac will offer salad alternatives to each meal on Tuesdays with a chick-en Caesar salad and Thurs-days with a chef salad,” she said. “Those are a few lighter options we’re bringing in to try and keep up with the way seniors are eating now and to appeal to their pallets.”

Not just about the foodBut Praus said senior congre-

gate dining isn’t just about the food.

“It’s a daily contact with people,” she said. “It becomes more than a meal. It becomes your second family.”

Joseph F. Clark and his wife have been eating lunch at SeniorPlace with Grunhovd and Moor-man for awhile.

“At a restaurant you don’t have the same ex-perience,” Clark said. “It’s fun to be with all the people.”

Praus said meals are available for individuals who are 60 years old and older and their spouses for a suggested donation of $3.50, and meals are available for people who are younger than 60 years old for a suggested donation of $6.50.

“Many people think it is just for people who can’t afford to have meals somewhere else, but that’s not true. It’s for anyone,” she said. “Come and give us a try. I think people would be sur-prised.”

This is one of the meals Semcac offers to senior citizens through its congregate dining, Meals on Wheels and Mobile Meals programs. Deb Praus, Steele County site manager, said the meals are about 600 to 700 calories. (Ashley Stewart/People’s Press)

“Come and give us a try. I think peo-

ple would be surprised.”

Deb Praus, Steele County Semcac

site manager


SecurityThey’ve seen it before.Couples — in the AARP set, age 50 and

older — come in to their offices, worried about retirement and when they will be able to quit working, even if they’ll be able to quit working. Perhaps they haven’t as much as they should have. And with the traditional age of retirement

looming in the not so distant fu-ture, those couples begin to wonder if they’ll be able to stop working and if there will be enough money to meet their expenses for the rest of their lives.

“A lot of people fall into that situation,” said Brad Running, a

financial advisor for Ameriprise Financial in Owatonna. “There are many surveys that show that there are more people who are unprepared than prepared for retirement. And people are worried about it. It’s a stress in their lives.”

Kim Cosens, a financial advisor for Edward Jones in Owatonna, agrees.

It’s never too late to plan for retirement, financial advisors say

Surveys show that there are morepeople who areunprepared thanprepared for retirement. One survey showed that 40 percent were saving less than 6 percent of their salaries for retirement. (Metro)

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See Security on Page 11

Running


“At 50, they’re in a whole other world,” Cosens said of financial planning. “The biggest question they have is, ‘Will I run out of money?’ and ‘What can I do so I don’t run out of money?’”

And, indeed, the questions are pressing, and the answers not always encouraging.

A 2013 survey from Fidelity Investments revealed just how much financial trouble the average American is likely to be in upon retirement. The survey asked more than 2,000 participants a range of questions on topics, including their health, retirement and saving habits, and found that the average baby boomer — those born between 1946 and 1964 — was on track to reach just 81 percent of their retirement income

needs.The study also found that 40 percent of

participants across all generations were saving less than 6 percent of their salaries for retirement. That’s especially troubling when financial planners often advise men and women to save 10 percent to 15 percent of their salaries for retirement.

But that doesn’t mean all hope is lost.“It’s never too late to do planning if improvements

are made between now and when you do retire,” said Running.

Cosens said more than half of his new clients are in the age range of 50 to 60 years old, many of them with limited investments and retirement not too far off in the future. When confronted with that scenario, Cosens said that he, as a financial advisor, makes no judgment on the clients.

“It doesn’t matter what you’ve done in the past,” Cosens said. “We focus on the future.”

The first steps, both men say, is to take a good look at where you are financially at this moment in terms of expenses, income and investments, and where you would like to be when you retire.

SecurityContinued from Page 10

See SECURITY on Page 12

“All the planning in the world and the number crunching associated with it will go nowhere unless people change their behaviors to fund the dreams and desires,” says financial advisor Brad Running. (Metro)

Cosens

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“We say, ‘Here’s what you have and where would you like to be?’” Cosens said.

Cosens added that that means looking not only at what you are spending now, but what you likely will be spending in the future when you are retired.

Running agrees.“People need to get a

handle on what retire-ment expenses look like,” he said, “and what they project they will have for income and what re-sources would be needed to accomplish some of those dreams and goals.”

And that means run-ning the numbers.

“People can analyze how close they may be to being on track for their retirement goals and other goals,” Running said. “People may be a closer than they think or a lot farther off than they think. But if they don’t run the finan-cial planner numbers analysis, factoring in how long people are going to live, then they won’t know if they can meet those goals.”

And longevity is a factor, both say.Indeed, health care advancements have increased

life expectancy dramatically over the years. In the year 1900, men lived to an average age of 46.3 years and women to 48.3 years. By 1950, men lived to an average age of 65.6 years and women to 71.1 years. In another 25 years, men had increased their life expectancy to 68.8 years and women to 76.6 years. The most recent numbers suggest that men can expect to live, on aver-age, 76.3 years and women 81.1 years.

With increased life expectancy, there comes more time spent in retirement. Financial planners work with their clients so that they can continue to live comfort-

ably even as they grow older, keeping the increased life expectancy in mind.

“I try to run financial planning so they wouldn’t run out of money until they’re at least 95,” said Running.

Cosens takes a similar approach, calculating the numbers with an expec-tancy that men will live until they’re 90 and women until they’re 95.

“The biggest question that people have is, ‘Will I run out of money?’ And, ‘What can I do so I don’t run out of money?’” he said.

Both advisors say that a crucial question for that couple to ask is what they want their retirement to look like. What are their goals and desires? Do they want to indulge their hob-

bies? Do they want to travel? And, if so, how much will they want to spend on such things?



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Once those questions are answered and the goals and desires determined, then the question becomes one of “can they get there?”

Cosens said there are three basic answers to the ques-tion of whether they can reach those goals:

• Yes, they can do it.• Yes, they can do it if they tweak some things now.• No, they can’t do it.“I don’t believe I’ve ever had to say to someone, ‘No,

you can never retire,’” Cosens said.But he has had to tell many couples and individuals

that they would have to tweak their current lifetime and their future dreams and goals.

How to catcH up on retirement savingsThe following are a handful of ways men and

women can catch up on retirement savings.• Start spending less. The easiest way to catch

up on retirement savings is to start spending less. Men and women over 50 know that the sand in their earnings hourglass is running out, and those behind on retirement savings need to make the most of their earnings in the years ahead. That means cutting out any unnecessary expenses so that money can be used to save for retirement. Examine all of your monthly and annual expenses to find ways to trim some fat.

• Contribute more to your employer-spon-sored retirement plan. If you have not been contributing the maximum amount to your employer-sponsored retirement plan, start doing so. This is especially beneficial if your employer matches your contributions.

• Make IRA catch-up contributions. The Inter-nal Revenue service allows men and women over the age of 50 to make annual catch-up contribu-tions up to $5,500. These contributions must be made to a retirement plan via elective deferrals, and there are additional requirements as well.

• Put more in traditional savings accounts. Though it’s best to put as much money into tax-advantaged accounts, if you are already maxing out your contributions to such accounts it’s still good to sock away money into a traditional tax-able savings account. It’s unwise to expect your retirement accounts to fully fund your lifestyle in retirement, so you will need, or at least want, a substantial amount of money in savings.

• Postpone retirement. Though it’s not ideal for men and women with a target retirement date in mind, postponing the day you call it quits is another way to catch up on retirement sav-ings. Postponing retirement allows you to build a more substantial retirement portfolio while also decreasing the amount of time you will need to rely on that money. This gives you more flexibility in retirement. In addition, Americans who work longer can increase their Social Security benefit because working longer should allow them to de-lay the day they start taking Social Security pay-ments. Men and women who can wait until age 70 to accept such payments will receive larger monthly payments as a result.



That tweaking often involves changing the way they invest their money and the way they do things financially. Often times it means changing their current spending habits and investment habits.

And sometimes it means changing when they retire. Instead of retiring at 65 or so, they may need to work longer — until they are 70 or 72.

Running also acknowledges that for some people who have not properly prepared for retirement that there are ways to prepare, but that it takes tweaking of their lifestyles.

“How serious are they about aligning their finan-cial behavior with their goals and with their desire to accomplish them?” Running asked. “All the plan-

ning in the world and the number crunching as-sociated with it will go nowhere unless they change their behaviors to fund the dreams and desires.”

At the same time, he said, the financial plan-ning can and usually is a process that relieves stress rather than increases it.

“People want to feel less intimidated about plan-ning for retirement,” Running said. “People know they need help. Doing the financial planning can be a very enjoyable process. They’ve never sat down and envisioned a future where they are living their dreams and goals.”

Reach Managing Editor Jeffrey Jackson at 444-2371, or follow him on Twitter.com @OPPJeffrey

Financial planning for retirement sometimes means tweaking things now, including changing the way people make investments, advisors say. (Metro) Owatonna, MN • Phone: 507.446.5300

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Resource Directory

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Dental Main Street Dental 1170 East Frontage Road Owatonna, MN 55060 (507) 455-1000 www.mainstreetdentalclinics.com

Entertainment Steele County Free Fair 1525 South Cedar Avenue Owatonna, MN 55060 (507) 451-5305 www.scff.org

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Monument Owatonna Granite & Monument 1180 East Frontage Road Owatonna, MN 55060 (507) 455-9551 www.owatonnagranite.com

Organizations Grandparents for Education Owatonna, MN 55060 (507) 451-8661 (507) 390-4468 (cell) www.grandparentsforeducation.org

Printing J-C Press 785 24th Avenue SW Owatonna, MN 55060 (507) 446-5300 www.J-CPress.com

Real Estate Prudential Advantage Realty Ann Vargason 1880 Austin Road Suite #1 Owatonna, MN 55060 Business: (507) 451-7355 Ann’s Cell:(507) 456-6307 www.pruadvantage.net

Senior Living Koda Living Community 2255 30th Street NW Owatonna, MN 55060 (507) 444-4200 www.kodalivingcommunity.org

Life Style, Inc. 311 North Cedar Avenue Owatonna, MN 55060 (507) 451-8524 www.lifestyleinc.net

Morehouse Place 353 Lemond Road Owatonna, MN 55060 (507) 451-2223 www.morehouseplace.com

Realife Cooperative 235 22nd Street NE Owatonna, MN 55060 (507) 455-3735 www.realifecoop.com

Travel Cedar Travel 111 North Cedar Avenue Owatonna, MN 55060 (507) 455-1170 www.cedartravel.net

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This is living 2014