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April 2017
Ed Marek
May 09, 2017
An Update on Fast for Hope - Nicaragua Initiative
Bob Barmore
Jun 06, 2017
New Zealand Trip Video and Travelogue
Tony Paetznik, NBPS Director
Jun 13, 2017
New Brighton Public Safety Tour
Geoff Hollimon
Jun 20, 2017
Field Trip - Wine Tasting at RosevilleTotal Wine
Ed Boeve
Jun 27, 2017
Alale / Water Well Project Update
2017-18 Board Members
Jul 11, 2017
Share 2017-18 Goals
2017-18 Board Members
Jul 18, 2017
Share 2017-18 Goals
Jul 25, 2017

Local Links

Local Links
Meeting Responsibilities
March 2017
Stewart, Mary
Marg-Patton, John
April 2017
Rebelein, Dana
Neeley, Mike
Johnson, Garry
May 2017
Miller, Jason
Carlson, Cindy
June 2017
Hollimon, Geoff
Kruse, Todd
Club Information


New Brighton Mounds View

Our Club Motto: Service Above Self

We Meet On Tuesday at 12:15
The Exchange Food and Drink
500 5th Ave, NW
New Brighton, MN  55112
United States
District Site
Venue Map
Four-Way Test
Rotary's Four-Way Test
Of the things we think, say and do:
Is it the truth?
Is it fair to all concerned?
Will it build goodwill and better friendships?
Will it be beneficial to all concerned?
Home Page Stories

Dana Rebelein opened the meeting with the Pledge of Allegiance and invocation.


Because of the change in setup for the Egg Hunt, we weren’t able to give out all the jelly bean packed plastic eggs.  Dave, Susan, Jeff and Nancy spent quite a few hours removing the jelly beans from the unused eggs and Dave brought all the recovered jelly beans to the meeting to be sold or donated.


Sue Ager reminded us of the Benedictine Gala to benefit the Innsbruck Foundation.  The event will take place at St John the Baptist Church from 5:30-11-00PM on Friday, May 12th.  Tickets should still be available, so call Sue Ager if you would like to attend this fun event.  If you are unable to come, consider a contribution or see Sue for a raffle ticket.


Jason Slama has solved the mystery of the missing tree saplings for our Fourth Grade Foresters tree give-away program.  The Bel-Air give-away will be at 2:30 on April 28th, and Jason still needs volunteers for the May 5th give-aways at the other elementary schools.


Bev Aplikowski welcomed two new members today. 

Ed James has been in the U.S. for twenty years and a citizen for 15 years.  He is a mental health counselor and also runs a delivery service for payroll processors.  His wife died two years ago from breast cancer.  He has two young adult children.  Ed is shown below.

Tom Pastor is new to our community.  He was raised in Virginia but studied chiropractic care here. He has joined a chiropractic practice in New Brighton that specializes in Neurological conditions.  Tom discovered our club on the internet.  Tom is shown below.

We welcome both new members and look forward to getting to know them better.


Dana Rebelein stumped the entire club with a round of Famous Quotes trivia.


Dana then subbed for Mike Neeley, introducing our speaker Vicki Bonk. Vicki’s passion is to restore native plants and habitat to halt the dramatic downturn in Monarch butterfly numbers over the past several years.  One of her first efforts was to help in the establishment of the Nokomis Naturescape Garden in 2000. This four acre native planting was a cooperative effort by the Minneapolis Parks Department and the Nokomis East Neighborhood Association (NENA) to reintroduce native wildflowers and grasses.  The Monarch became the ambassador for the project, representing beauty rising out of metamorphosis.  The Monarch has also become what Vicki calls a “flagship species” that sparks interest in other species in the habitat. 

The second initiative that Vicki has worked on is the 11th annual Grow Monarch Habitat Workshop, which will be held this year on May 20th.  A wide variety of native plants will be available as well as advice on how to plant and care for them.

The third initiative that Vicki is promoting is the Minneapolis Monarch Festival, Saturday September 9th, from 10AM-4PM, at 40th and Woodlawn Ave. South in Minneapolis. This colorful event celebrates the Monarch and its 2300 mile migration from Minnesota to Mexico and the cultural connections between Mexico and Minnesota.  There will be food, music, dancing, art and many educational opportunities for all ages.  Vicki is shown below flanked by co-presidents John Risdall and Paul Fournier.

Our guests today were Tom Pastor and Ed James, who have applied for membership; and David Hoel’s guest, Keecha Borom, manager at the Silver Lake Road McDonalds.


Many expressed amazement at the Easter Egg Hunt turnout on an “iffy” weather day.  The parking lots at the church and the seminary were full and traffic was backed up on Silver Lake Road for three blocks.  Dave Hoel thinks we may have had a thousand people there, but we were prepared with 400 pounds of jelly beans, 6,000 plastic eggs and lots of prizes.  Dave thanked all the hardy souls who came out in the rain to set up and then watched the weather turn gorgeous for the event.


John Risdall presented a $1,300 check, on behalf of the club, to Mary Stewart of Community Partners with Youth.  Mary, John and Paul are shown above.


Jason Slama announced that Irondale students Andrew and Amy will be our representatives at Camp RYLA.  Jason also announced that our Fourth Grade Foresters tree giveaway will take place on Friday, April 28th.  He’ll pass around a sign-up sheet next Tuesday, but mark your calendars now to reserve the time.  Jason is also looking for someone to write a brief news release about the Snack Pack project we did for the Food Shelf a few weeks back.


Mary Ann Bawden reminded us of the Community Support Center Luncheon on April 27th.  As a Founding Organization of the Community Support Center (CSC) it would be great if we could have a significant presence at the event.  Mary Jo McGuire will be the featured speaker. For more information about this free luncheon, click here.


As if the end of this month wasn’t busy enough, the District 5960 Conference will be April 27-29, at the Holiday Inn East in St Paul. Come for all three days to learn more about Rotary, or just for a featured speaker or two.  Gerry Tietz encourages all current and incoming board members to attend.  Learn more by clicking here.


Garry Johnson was happy to be able to be in Boise, ID, for his mother’s 85th birthday.


Amy Janecek reported that Irondale will be represented at the World Championships for Drumline and Robotics this spring.  How awesome is that!!!


Our Speaker today was Amy Janecek, principal at Irondale H.S.  Amy was born in Fargo, ND, but identifies more with Madison, WI, where she attended high school.  She attended St. Olaf and went on to teach at Washburn and Patrick Henry High Schools.  She married Scott in 2004, and they have 3 children, Gabriella (11), Trek (10) and Tegan (7).  They live in uptown Minneapolis. 


Amy was attracted to Irondale because of its cultural diversity and reputation for academic innovation and excellence.  Amy explained that Irondale’s student population is 18% Black, 12% Hispanic, 10% Asian, 2% Native American and only 58% White.  She said that there are over 50 different languages spoken at Irondale.  Additional challenges are that 40% of students are on free and reduced lunch and 11.5% qualify for Special Ed. services. Because of, and in spite of, these challenges Irondale has adopted its Equity Promise “Ensuring all students are prepared for post-secondary success, regardless of race, class, disability or gender.”


Irondale is also noted for its Early College Program which gives every student the opportunity to be adequately prepared for post-secondary success and earn a 2 year Associate Degree in addition to their high school diploma.  This partnership with Anoka Ramsey Community College is open to all students, with individual learning pathways determined by need.  The program enhances opportunities for high achieving students but is targeted at students in the academic middle.  Studies show that 50% of community college students drop out before their second year and only 33% achieve a degree or certificate. Many of those students are simply unprepared for the rigor of college classes.  The Early College Program addresses the issue by introducing high school students to college level courses.  Each year, 83% of Irondale students participated in rigorous courses and 78% have earned college credit while in high school.   David, Amy and John are shown below.


Dana Rebelein opened the meeting with the Pledge of Allegiance and an Invocation.


John Risdall introduced his guest, David Vanneste of Vanneste Group Realtors.  Returning visitors were: Tom Pastor, Chiropractor and Ed James, President and CEO of Right Choice Delivery Services.  Both Ed and Tom have applied for membership in our club!  Also visiting was Marv Sorvala, a regular visitor from the Roseville club.


Dana Rebelein announced the Sunnyside Elementary PTA Carnival, Friday April 21st, 5:30-8:00PM. If you’d like to volunteer to help with the Carnival, one hour shifts are available from 5:15-6:15, 6:15-7:15 and 7:15 -8:15.  Call Beth Braun to sign up, 763-757-2203.


Dave Hoel offered up several large stuffed Easter Bunnies for auction to raise funds for the Egg Hunt. After several rounds of furious bidding, all the bunnies were gone and the Egg Hunt coffers were significantly replenished.  Thanks to all the bidders.


Geoff Hollimon let us know that we’ll be having two offsite meetings in June.  One road trip will be to Total Wine in Roseville for a Wine Tasting and the other will be a tour of the New Brighton Public Safety Building.


Jason Slama announced that we will have two students attending Camp RYLA this year.  Jason also offered to head up a Second Harvest Stamp Out Hunger Food Drive collection point if he can get 5-7 Rotarians to help with the effort.  The date for the collection is May 13th; let Jason know if you can help out.  Jason also will need several volunteers for the 4th Grade Foresters tree give-away on Arbor Day, April 28th.  The program takes just a couple of hours of your time and is a lot of fun.


Dave Hoel clarified the volunteer times for the Egg Hunt this Saturday at Driftwood Park.  All available club members should be at the park at 10:00 AM.  Tell your family and friends to be there by 11:00 to avoid parking hassles and meet the Easter Bunny.  Those members who will transport the eggs and prizes to the event should be at the parking garage at 9AM.


Dave Hoel also announced that the New Brighton Area Historical Society is presenting a program highlighting how New Brighton benefits from volunteer organizations.  David will be speaking about Rotary at the event.  Admission is free and there will be refreshments and a prize drawing.  Just show up at the New Brighton Community Center at 2:00 PM on April 27th.


Cindy Carlson and Mary Stewart debriefed the club about last week’s Gold Plate Dinner Gala Fundraiser.  We took in $10,090 in ticket sales, $3,625 in the Live Auction, $1,755 in the Fund-a Cause, $640 in the Mini-Raffle, $1,060 in Bingo, $850 in Split the Pot and $300 in miscellaneous donations.  Cindy reported net earnings of $20,211.64!!!  Well done Cindy, Mary and all others who helped to make the Gala such an overwhelming success.  Our 2018 GPD is planned for April 13th, so mark your calendars now so you don’t miss the fun.

Mike Neeley opened the meeting with the pledge and an invocation.


Bev Aplikowski introduced Tom Pastor, a new chiropractor in New Brighton.  Jason Slama introduced Ed James, a mental health counselor, visiting us for the second time.


Cindy Carlson thanked everyone who made the Gold Plate Dinner Gala such a big success.  Cindy said that she should have the results of the fundraiser at next week’s meeting.


Nils Friberg presented Jason Slama with a Paul Harris Fellowship, a new member who has been involved in many club activities and has already become involved in the leadership of our club.  You are a rising star Jason, and you are very deserving of the Paul Harris Fellow Award.  See photo above.


Dave Hoel reminded us that we need all hands on deck for stuffing the Easter Eggs this Sunday, April 9th, 11:00AM at the Exchange.  Many hands make light work.


Dave Hoel has also had 5 new signs made for the Egg Hunt, so everyone in New Brighton/Mounds View should be aware of the event.


Beverly Aplikowski celebrated a birthday yesterday, and there was no birthday hat in sight as the club sang happy birthday to her.


Bob Barmore attended his father’s 95th birthday recently.  Although his dad has Alzheimer’s disease, he was instantly able to recognize a very old photo of his father and grandfather.


John Risdall reported that his new medications are helping and he hopes to be able to drive again soon.


Our speaker today was Bob Reif, a fifteen year veteran of the New Brighton Fire Department. Bob was here to talk to us about the Fire Department and fire safety.  Bob was an English teacher at Spring Lake Park until his retirement three years ago.  He also works with Blaine/Spring Lake Park/Mounds View Fire Department and is a Firefighter Examiner as well as a Fire and Life Safety Educator.  Bob said that the New Brighton Fire Department is a “paid on call” department, which differs from a volunteer department in that all of the firefighters undergo the same training as those in a full time fire department.  New Brighton is a bit unique in that 12-15 of its police officers are cross-trained as firefighters.  New Brighton is also somewhat unique in that is permits city employees to be firefighters. These policies help the department to respond more quickly and effectively to fire calls, and New Brighton’s relatively small size helps to keep the average response time to a very low 4 minutes 20 seconds.  Bob noted that response time is critical since fires double in size every 30 seconds.  Last year the department responded to 311 calls, which was slightly above average but much lower than when Bob started with the department. 

Bob is part of New Brighton’s move toward public education to improve fire prevention.  Much of Bob’s time is spent talking to groups like ours about smoke and carbon monoxide detectors and fire prevention.  Bob suggested that we test every smoke detector and carbon monoxide detector (use a broom handle) monthly, change batteries annually, and replace detectors at ten year intervals since the sensors degrade with age.  He noted that our sense of smell is inactive while sleeping, so you can’t rely on your nose to wake you from a fire. Also be aware that all the stuff we accumulate in our garages, basements and rafters can become fuel in the event of a fire.  Bob recommended at least two fire extinguishers in the home – one easily accessible in the kitchen and one along the escape route out of the house.


Bob was asked about the hidden hazards for firefighters and he listed back injury, on the job heart attacks and cancer as the big three.  Bob elaborated that smoke and particulate by products of combustion are a big cancer risk and contamination of their firefighting gear is managed with “extricators” that remove the contaminants.  John, Bob and Garry are shown below.

Mary Stewart opened the meeting with the Pledge and Invocation.


Our guests today were: Amy Wakem’s sons, Josh and Nathan; Garry Johnson’s wife Nancy; and Mary Jo McGuire.


Cindy thanked those who have provided restaurant gift cards for the Gold Plate Dinner.  We could still use items for the live auction and items for a “mini-raffle”.  Let Cindy know if you might be able to provide an item for these fundraising options.


Mary Ann Bawden reminded us of the Community Support Center Luncheon on April 27th.  As a Founding  Organization of  the Community Support Center (CSC) it would be great if we could have a significant presence at the event.  Mary Jo McGuire will be the featured speaker. For more information about this free luncheon, click here.


John Risdall auctioned off three unique sweaters (above) to raise money for the club’s charitable endeavors. 


Northeast Youth and Family Services (NYFS) will be holding their 2017 Leadership Conference on May 3rd at Midland Hills Country Club.  The free luncheon will feature Tony Beuttner, speaking about “Blue Zones”.  Blue Zones are places on this planet where people live significantly longer than average. To register, or for more information, contact Sandra Bahr at 651-379-3422 or


If you haven’t gotten your GPD meal choices to Bev, please do so right away.  651-633-3863.


Today’s program was a service project.  Jason Slama and Mary Stewart organized a “snack pack” project to provide Ralph Reeder Food Shelf with pre-assembled snack bags that they can distribute to school kids who need them.  The goal was to assemble 75-100 snack packs, and Jason did some serious shopping to make this project happen.  Way to go, Jason!  See the photos below.






Mary Stewart opened the meeting with the pledge of allegiance and invocation.
Janet Ampe from the Rogers Rotary Club was here to promote sponsorships and walkers for “Moving Day”, a walk to support Minnesota’s Parkinson’s community and the National Parkinson’s Foundation.  This year’s walk will be on May 6th at the Hilde Performance Center Park in Plymouth.  If you would like more information about how to sponsor a walker or to join the walk, click here.
MaryAnn Bawden brought in ten wine bottles for us to bid on as a fundraiser for the club.  Thanks for your generosity, MaryAnn!
Glenna distributed a flyer to help you solicit donations of restaurant gift cards to raffle off at the Gold Plate Dinner.  Contact Glenna for a copy of the flyer if you didn’t get one today.  The gift cards can be a significant part of our fundraising strategy for the dinner, but we need lots of cards to put together packages worth bidding on.  Please do your part!
Jason Slama passed out a list of items needed for our “Snack Packs Project”.  At next week’s club meeting we will be assembling the snack packs, which will be delivered to the Ralph Reeder Food shelf.  Contact Jason Slama if you didn’t get a list of needed snacks.
Gerry Tietz is just back from the Rotary President Elect Training Session in Ames, Iowa.  It may seem impossible, but Gerry is even more fired up about Rotary than he was before.  Gerry described the experience as “awesome”.  Stay tuned for what Gerry learned about how we can make this club even better than it already is.
Bev reminded us that there are still 40 tickets unsold with the deadline almost upon us.  Remember that we must sell all 100 tickets, so let’s all make a special effort to find friends and family to join us so we can have a successful event.
Geoff Hollimon thanked everyone who attended the CPY Luncheon last week. Attendance was way up from last year and initial donation totals are way up as well, with donations still coming in.  Mary Stewart echoed Geoff’s comments and provided us with delicious desserts today as a thank you.  The special treats were also a preview of the desserts that Mary will prepare for the Gold Plate Dinner.
Mike Neeley reported that he has sold his home and has bought a new one.  Now he’s trying to figure out how to fit the stuff from the really big house into the not so big house!
David Hoel’s broken leg has improved to the point where he can safely drive himself around.  What will Dave’s chauffeurs do with all their spare time now that he can get around on his own?
Garry Johnson was called away on an emergency when our financial services members made presentations two weeks ago.  We had time today, so Garry was able to give his presentation.  Garry describes himself as a recovering CPA who found his true calling by becoming a Farmers Insurance Agent at the tender age of fifty.  Garry loves helping people and he feels making sure that his clients are protected against financial loss is a great way to help.  Garry provides auto, home, life and liability umbrella coverage, as well as financial services like IRA’s, college savings plans and annuities.  Garry has recently joined Rotary as a way to give back to the community and has taken the reins of our Homeless Student Initiative.
Mary Stewart introduced Gedam Azeze, owner of Limu Coffee.  Born in Ethiopia, Gedam came to the U.S., became a U.S. citizen, studied business at Mankato State, and started her own coffee shop business.  Her original business location was in St. Anthony, but a major coffee chain moved in nearby, forcing her out.  But Gedam was not to be defeated, establishing a new location at 500 5th Avenue in New Brighton.  That was 11 years ago and because of her love for coffee and people, Gedam has built a loyal following in her new location.  Gedam has just one employee, a part time college student, so she spends long hours at her business.  In fact, she had to close her doors today just to come and talk to us.
According to Gedam, Ethiopia is the birthplace of coffee, and she indicated that Ethiopians have a highly ritualized coffee ceremony, during which the coffee is roasted, ground, sifted brewed and consumed over a two hour period.  In Ethiopia, the importance of coffee can’t be overestimated.  Gedam serves only Ethiopian coffee in her shop, of course.  Stop by the shop and say hi to Gedam. The shop is open Mon-Fri 6AM – 5PM, Sat 8AM – 4PM and Sun 9AM – 3PM.  Check out the Limu Coffee website by clicking here.  Mary, Gedam and John are shown below.

Instead of our regular meeting, we attended the CPY Luncheon today.  Brian White, CPY’s Chair, opened the Luncheon by reviewing CPY’s history.  In 1997, a coalition of community leaders and parents joined together with the goal of reducing juvenile crime by increasing adult supervision during out of school hours.   Over time, CPY’s mission became “To provide a safe, nurturing environment where youth can strengthen their personalities and develop educational and social skills”.  In the 20 years since its inception, CPY has grown dramatically, now serving over 500 kids per year, offering thousands of hours of programming and having a budget of $500,000.


Executive Director Mary Stewart shared her frustrating early attempts to make connections with troubled middle school youth.  Those early experiences shaped CPY’s philosophy of making connections with youth:

   1st – Meet their basic needs (food and transportation).

   2nd – Empower them (leadership opportunities and service projects).

   3rd – Equip them with social and other life skills.

   4th – Provide a safe place.

CPY’s key partners are, the city of New Brighton, Christ the King Lutheran Church, Abiding Savior Lutheran church, Mounds View School District, and most recently, the City of Mounds View.  Gary Meehlhause, Mounds View City Council member, was on hand today to present a $2,000 check to CPY.


The featured speaker today was Chris Fields.  Chris grew up as one of three children of a single African American mom in the South Bronx.  His mother eventually married a white man whom Chris described as a “hippie”.  His hippie step-dad played a part in starting his transition from a street kid to the successful businessman that Chris is today.  His dad was a community activist whose vision was to improve conditions in the South Bronx. His dad started a non-profit that bought rundown buildings very cheaply and refurbished them to give people a route out of poverty through home ownership.  His stepfather’s non-profit now has 90 million dollars in assets.  His step-father’s integrity, belief in a cause and caring about others gave him the push he needed to rise above his circumstances.  Chris related this experience to CPY by saying that if you expose kids to things outside their normal experience and show them that you care about them, their lives can change for the better.  His step-father’s example was just the beginning of Chris’ turnaround, which continued when he entered the Marines, where he had to be truly accountable for the first time in his life.  He said life in the Marines agreed with him and, after 4 tours in Iraq, retired from with the rank of Major after 21 years in the Corps.  Chris summed up his presentation with his thoughts on how we can prepare our kids for the future.  He said first we must care, but caring is not enough.  We must put that caring into action if we are to truly make a difference.  For the past 20 years, CPY has done just that.  Find out more about CPY by clicking here.

George Winiecki opened the meeting with the Pledge of Allegiance and Invocation.
Gerry Tietz nominated John Marg-Patton to be our Club President-Elect Nominee for the 2018-19 Rotary year.  John’s nomination was unanimously approved by voice vote.  Congratulations, John!
Don’t forget that next Tuesday our club meeting will be at the CPY Luncheon.  Your presence at this free luncheon counts as Rotary attendance, but it’s important that you sign up so that the correct amount of food can be ordered.  Please let Geoff Hollimon know if you are coming but haven’t signed up yet.
Glenna Dibrell has not received enough $50 restaurant gift cards for the Gold Plate Dinner Live Auction.  Please talk your favorite restaurant into donating a gift certificate, split the cost with them or just buy it yourself. 
Cindy Carlson announced that the Board has agreed to provide $750 to help the Hamsa Girls Education Center (middle school) project in Niger.  Kara VanderKamp spoke to us about the project two weeks ago.
Bev Aplikowski has Gold Plate Dinner tickets for us to sell.  The success of the event is dependent on members selling all 100 tickets.  Talk to your friends and co-workers about the attending the event and let Bev know if you need more tickets.
Our guests today were: District Governor Jim Hunt, Sue Schabert, Andy Voorhees, Mike Scholl and Don Salverda.
District Governor Jim Hunt made a pitch for attendance at the District Conference, April 27-29, at the Holiday Inn East in St Paul. Come for all three days to learn more about Rotary, or just for a featured speaker or two.  Gerry Tietz encourages all current and incoming board members to attend.  Learn more by clicking here.
Our program today consisted of brief presentations by our members who are involved in financial services. 
Cindy Carlson is the Senior Vice President for Commercial Banking at Western Bank.  Cindy is a 23 year member of this club and has been with Western Bank for 33 years.  Western Bank was founded in 1915 and now has seven branches in the metro area.  Western’s primary focus areas are business banking, non-profit banking, and personal banking, but they offer a complete range of services for every banking need.  Cindy’s niche is commercial banking, serving the needs of small to mid-size companies, with particular focus on real estate transactions.
George Winiecki is the owner of WIN Insurance Agency.  George has been a Rotarian for 38 years and was a charter member of this club.  WIN Agency was started 42 years ago and today is an independent agency, offering insurance coverage from a number of companies for almost all of your insurance needs.  George focuses mainly on personal and small to medium commercial customers, offering home, auto, life, annuities long term care and worker’s comp but offers other coverage as well.  George’s sons, Dan and Tom, work alongside George at the office on County Hwy. 10.
Geoff Hollimon is a registered financial advisor with Primerica.  Primerica’s mission is to bring financial services to middle income investors.  Primerica is a big company that relies on word of mouth, rather than a big advertising budget, to attract new customers.  Primerica has been rated the 19th best for job security.  Geoff has been a Rotarian since 1988 and joined this club in 2001.  He has been named a Five Star Wealth Advisor 6 times and prides himself on putting the investor’s needs first.  Primerica’s strategy for the middle income investor is to protect assets with term, rather than whole life, insurance and invest the difference in a 401K or IRA.
Jason Miller is a partner with Smith Schafer and Associates, a full service accounting firm with offices in Red Wing and the Twin Cities.  Jason describes Smith Schafer as having a small firm feel but big firm support.  They offer accounting services for every stage of the business life cycle, from start-up through retirement or business transition.  Jason offers support for growth, special projects, compliance, lease vs. purchase decisions, financing packages, auditing and tax planning. 
Amy Wakem started her career with State Farm Insurance at 18 years old.  Now she owns her own State Farm agency, Amy Wakem Insurance and Financial Services, Inc.  Amy offers auto, home, life and health coverage but she believes, in the ever more complicated insurance world, that education is her real job.  She offered some tips about insurance coverage:
- Look carefully at your wind/hail damage deductible. Many companies are dramatically raising the deductible on this important coverage.
- For long term care coverage, check whether your doctor, or the insurance company’s doctor is the one who will certify you for benefits.
- Look carefully at your Medicare supplement policy provisions.  Policies can vary greatly.
Unfortunately, Garry Johnson, owner of a Farmers Insurance Agency, had to respond to an emergency and was unable to make his presentation.
Jason Miller, Cindy Carlson, Geoff Hollimon, George Winiecki, D.G. Jim Hunt and Amy Wakem are shown below.
George Winiecki led us in the Pledge and offered an invocation.
At Nils Friberg’s request, we viewed the Rotary Foundation video that was premiered at the Rotary Foundation Dinner this past fall.
Geoff Hollimon reminded us of the CPY Luncheon that will take the place of the regular Rotary meeting on Tuesday, March 7th.  The luncheon will be held at the New Brighton Community Center.  Check-in begins at 11:30AM and the program will run from 12:00-1:00.  The featured speaker will be Chris Fields, who will share the story of his rise from humble beginnings as one of three children of a single mother in the South Bronx.  A sign-up sheet is being circulated at the club meetings, or you can contact Geoff Hollimon to sign up for this free luncheon.
Remember to get your $50 restaurant gift cards to Glenna for the Gold Plate Dinner live auction.  You are encouraged to ask your favorite restaurants to donate a gift certificate, or you could split the cost with the restaurant. 
Amy Wakem introduced our speaker, Beth Loo, president of Betmar Languages.  Beth’s company, which she started with her mother in 1985, has been providing translation, interpretation and other language-related services to both government entities and private industry for 32 years.  Beth’s interest in translation services began when she traveled to Japan as a Rotary Exhange student in Japan, without any prior knowledge of the Japanese language.  Betmar’s original focus was providing language assistance to businesses but, as time went on, the business grew to include translation and interpretation services for schools, social service organizations, government agencies, and businesses that need help communicating with people who have limited English language skills. Betmar now offers translation products in most world languages.  Because our schools are becoming more diverse, translation services are becoming an increasingly important communication tool to promote family involvement.  To answer this need, Betmar has developed a website called American School Explained which provides accurate translation of school information for limited English speakers.  Beth provided me with login information for the test site.  Just click here, then enter bloo in the login field and P@ssw0rd (the 0 is a zero) in the password field.  This will give you access to the online program that’s available to schools.  If you are interested in making a tax-deductible donation to help provide this service to area schools, click here. Amy John and Beth are pictured below.
George Winiecki opened the meeting with the Pledge of Allegiance and Invocation.
The special Valentine’s Day meeting was hosted by John and Tina at Risdall Advertising’s impressive new office.  John arranged for The Exchange to cater the meal and the food was exceptional.  Mary Ann Bawden and Mary Stewart provided special desserts to complete the dining experience. 
Many Rotarians invited their significant others to join them for the meeting.  Nancy Benson, Chrissy Fournier, Cheryl Neeley, Tina Karelson, Debra Hollimon, Christine Winiecki, and Julie Barmore joined their husbands and Margaret Johnson invited April Stensgard, University of Northwestern’s Director of Career Development.  Mary Jo McGuire also was able to join us today.
Cindy Carlson had just returned from two weeks in Hawaii…She and Kevin had a wonderful time.
Principal Amy Janecek reported that the West Side Band, Choir and Orchestra Music Festivals were a great success this year.  Amy also encouraged us to check out the One-Act Play Showcases which will be held at Irondale on March 2nd -4th from 7-9 PM and March 5th from 1-3 PM.
Cindy Carlson reminded us that the Gold Plate Dinner will be on March 31st, just 6 weeks away.  Bev Aplikowski will be sending you your ticket and some brochures that you can use to help you sell as many additional tickets as you can.  The deadline for reporting your ticket sales and meal choices is March 17th, so start beating the bushes now for friends and business associates who might enjoy our fun event.
Cindy also announced a MN Zoo fundraiser on Thursday, February 23.  Cindy is going and hopes that some of us might like to join her in supporting the Zoo.  Tickets are $65.  See Cindy if you are interested.
Gerry Tietz made us aware that the position of Club President for the 2018-19 Rotary year has not yet been filled.  See Gerry with possible nominees.
Cindy Carlson introduced our speaker, Kara VanderKamp, Founder and Executive Director of Remember Niger Coalition.  Kara has spoken to the club on a number of occasions about Remember Niger’s efforts to help the young people of Niger.  Niger is located in the heart of desert-like Northern Africa, and ranks as one of the least developed countries in the world.  The average life expectancy is just 54 years, and the average mother gives birth to 7 children.  Unfortunately, the child mortality rate is close to 20 percent, partly due to the fact that fifty percent of families don’t have access to clean drinking water.  With an average annual income of just $200, quality education is just a dream for many families.  Remember Niger is working to make education possible for the children of Niger.
Our club’s first exposure to Remember Niger’s education initiative was in 2012, when we supported a Rotary Global Grant totaling $36,600.  Since then we have supported District Matching Grants to improve schools by providing latrines and hand washing stations.  Until recently, efforts were directed toward primary schools, but as those students have aged, middle schools are now needed. Remember Niger has responded by building its first middle school.  Because incomes are so limited, even the low tuition is difficult for many families, so donations are needed to sponsor children to attend the schools.
To donate, or get more information about Remember Niger Coalition, click here.  Kara, John and Cindy are shown below.

George Winiecki opened the meeting with the Pledge and an Invocation.


Gerry Tietz announced that Todd Kruse has left the Twin Cities North Chamber and will be unable to continue his Rotary membership.  Gerry nominated Beverly Aplikowski to replace Todd as our Membership Director, effective immediately.  The club unanimously approved the nomination.  Congratulations, Beverly!


Beverly’s first official act as Membership Director was to pass out Rotary Club business cards that we can use to invite prospective members to visit the club.  Pick up some cards at our next meeting and give one to anyone you think would be a good Rotarian.


Gerry Tietz asked everyone to respond to a recent, one question, email survey about your willingness to attend a Thursday morning Rotary meeting.  Ten of you have not yet responded and he hopes you will do so soon.


Mary Stewart and Garry Johnson reported that our Homeless Student Initiatve Committee met recently with Tami Moberg, of Quincy Tree House, who has spoken to the club about high school student homelessness in our school district.  The meeting revealed common goals and the committee will investigate ways in which we might work cooperatively with Tami’s organization.


Remember that next week’s meeting will be held at Risdall Marketing’s new location.  Spouses/significant others are welcome.  Please contact Glenna ASAP if you haven’t RSVP’d yet.


At our February 28th meeting, you’ll have an opportunity to hear brief elevator pitches from our club’s financial services professionals.


George Winiecki introduced Mark Kulda, VP of Public Affairs for the Insurance Federation of Minnesota.  Mark began his presentation by assessing the changes in the power structure at the Minnesota Capitol following the recent elections.  For only the second time in the forty years since Minnesota politicians have declared party designations, Republicans have the majority in both the Senate and the House.  Mark appeared optimistic that Republican control would make insurance reform is more likely.  In fact, the first bill of this session was premium relief for families hit hard by the skyrocketing premiums in the individual health insurance market.  Mark said that MNSure is still broken and that much of the problem is due to a failure of the MNSure designers to consider the recommendations of the health insurance industry.  Time will tell what lessons have been learned but, hopefully, they will do a better job this time around.


Another area of concern for Minnesota is insurance fraud.  It’s estimated that insurance fraud costs the average Minnesota family $1,400 dollars per year in higher premiums and other costs.  Mark said that, as one of the few remaining no-fault auto insurance states, Minnesota has been a prime target for both individual and corporate insurance fraud.  The National Insurance Crime Bureau reports that Minnesota leads the nation in the amount of increase of organized crime in insurance fraud.  Also, the National Insurance Crime Bureau released a report showing suspected claims involving insurance fraud are up more than 26% over the last two years in the U.S.   The problem in Minnesota may be even higher.  As a result, Minnesota’s no-fault  auto insurance premiums are the fifteenth highest in the U.S.  Wisconsin and Iowa do not have no-fault coverage and their auto premiums are much lower, ranked at 48th and 44th highest, respectively.  Further complicating the Minnesota auto insurance premium picture are the numbers of uninsured drivers, estimated to be as high as 20%.  You can check out the Insurance Federation of Minnesota by clicking here. John, Mark and George are pictured below.


Due to illness, your bulletin editor was unable to attend the meeting, but Gerry Tietz was kind enough to provide a brief summary of the meeting.
Jason Slama opened the meeting and introduced his guest, Joe ??????????. 
President John Risdall drew names to determine the order of presentations from our financial services members on February 28th.  Each presenter will give a 3 minute “elevator speech” about the services they offer.
Margaret Johnson asked us to look for sponsors for the Gold Plate Dinner.
Nils Friberg presented Cor Wilson with a Paul Harris Fellow +3 Pin, signifying over $4,000 in contributions to the Rotary Foundation.  Well done, Cor!  Photo below.
There was no speaker today, but Gerry Tietz took the gavel to review the proposed update to the club by-laws.  The update was intended to both to reflect current practice and provide a framework to guide club administration over the next several years.  After much discussion, the update of the by-laws was approved.  Gerry will post the updated by-laws on the website after the approved changes are incorporated.
Cor Wilson led us in the Pledge of allegiance and Jason Slama offered the invocation.
Mary Stewart announced a "Get to Know Your Neighbor" IZI (Intentional Social Interaction) on Monday, January 30th from 5:30-8:30pm.  Click here to download more information.
John Risdall reminded us that our Valentine’s Day (February 14th) club meeting will be held at Risdall Advertising’s new location.  John is providing brisket lunch for NBMV Rotarians and their spouses.  You can expect an email from Glenna with the details, soon.
Note that the Gold Plate Dinner committee meeting on February 14th will also be held at Risdall at 11:00 AM.
Geoff Hollimon asked that we mark our calendars now for the CPY Spring Luncheon on Tuesday, March 7th.  This meeting is in lieu of our regular noon meeting.  Stay tuned for more details.
Gerry Tietz will be the temporary collector of funds during John’s absence, so bring your dues payments, etc, directly to Gerry until John returns.
Many Happy Fines were paid today, including the following:
      -George Winiecki  is now a four-time champion in Fantasy Football.  He credited much of his success to his partner, Jeremiah, who drafted very well.
      -Cor Wilson thanked all those who have expressed condolences for the passing of her father.  Her dad, a former B-17 pilot, was honored by a seven person honor guard, twenty one gun salute and taps; a moving experience for all.  Cor was also able to get her mom into assisted living, which her dad had resisted.
      -MaryAnn attended the Rotary Youth Exchange outbound orientation.  She was pleased to see that Ezra Krohn, our former outbound student to Italy, has become active in the youth exchange program.
      -Gerry Tietz encouraged us all to consider attending the District Conference, April 27-29.  Details can be found here.
      -Bev Aplikowski is pleased to be back after extended health issues prevented her from attending meetings.  After the recent sale of her business, she’s in the process of reinventing herself at age 83.
      -Glenna was proud of her daughters Andrea and Liz, who showed up at her church to present a memory book that they created for a woman who is in hospice care.  The woman was, thankfully, well enough to come to church to celebrate the baptism of her granddaughter.
      -Our program for February 28th will be an opportunity for members of the club who are involved in the financial services industry to present a brief description of their business and the services they have to offer.
Cor Wilson introduced our speaker, Joe Stallmann.  Joe is the owner’s representative for the restoration of the Minnesota State Capitol Building.  He is also the President-Elect of the North St.Paul-Maplewood-Oakdale Rotary Club.  Joe’s firm, MOCA, helps clients transform the way their projects are planned, designed, built and managed.  Joe described his job as the “eyes and ears” of the building owner during a construction project.  The scope of the Capitol Building restoration required some pretty competent eyes and ears.  The five year, three hundred nine million dollar restoration is a very big and very complicated project. Much of the original Georgia white marble exterior had deteriorated over the past 100 years and new heating, air conditioning, plumbing and electrical systems were needed.  Safety systems, additional bathrooms and more egress stairways were also badly needed.  Because the building is on the National Register of Historic Places great care was taken to preserve the original features of the building.  When the restoration was underway, it became apparent that paintings, stained glass, and plaster artwork needed much more repair than anticipated, but the restoration would have been incomplete without these improvements.  The restoration is scheduled for a grand opening in the Fall of 2017.  For more about the project, click here.  Joe and Cor are shown below.

Nils Friberg opened the meeting with the Pledge of Allegiance and Jason Miller offered an invocation.


Gerry Tietz introduced the leadership team for his 2017-18 term as NBMV Rotary President:

    -Beverly Aplikowski – Gerry’s Co-President

    -Mary Ann Bawden – Secretary

    -John Ordway – Treasurer

    -Bob Barmore – Director of Club Administration

    -Glenna Dibrell – Communications Director

    -Jason Miller – Rotary Foundation Director

    -Jason Slama – Service Projects Director

    -Todd Kruse – Membership Direc tor

    -Paul Fournier – Past President

    -John Risdall – Past President

The leadership Team is shown below except for Bob Barmore, who arrived just after the photo.



Both Garry Johnson and Paul Fournier are celebrating their birthdays this week.  Paul noted that this birthday was his 83rd.


Many, many  thanks went out to Bev Aplikowski for hosting a great Holiday party.  Many thanks as well to all the Rotarians who helped to make the party such a big success.  A special thank you to Bev’s niece, Jenny, and Jenny’s daughter, Jordan, who also played a big part.


Margaret Johnson hopes to enlist our help in contacting potential sponsors for the Gold Plate Dinner.  We should all be thinking about companies or individuals that might consider sponsoring the dinner.  Please contact Margaret with any ideas.


Last week Glenna Dibrell asked each of us to consider asking our favorite restaurants to consider donating a gift card to our Gold Plate Dinner.  If the restaurant can’t donate, Glenna suggested that we consider donating ourselves.  Jim Kadechka was the first to take up the torch, presenting his gift card to Glenna today.


Nils  Friberg had the honor of presenting Gerry Tietz with his Paul Harris Fellow +3 pin.  This signifies at least $4,000 in contributions to the Rotary Foundation.  Nice work, Gerry!


Mark your calendars with a venue change for our February 14th (Valentine’s Day) club meeting.  John Risdall will host a brisket dinner for Rotarians and spouses at Risdall Advertising’s new office.  Stay tuned for more information.


Todd Kruse reported on the Rotary District 5960 Mid-Term meeting.  He attended sessions on Youth Exchange and Membership Development.  One plan to come out of the meeting is a Bowling Event to promote the Gold Plate Dinner and membership growth.  Details will be available soon.  Another idea for membership growth is to start a Breakfast Rotary Club to make Rotary possible for people who can’t attend a noon meeting.  Todd also asked us to consider attending the 5960 District Conference on April 28-29 in St. Paul.


Jason Slama introduced our speaker, Sam Thompson.  Sam is an Edina Noon Rotarian and serves as its Youth Services Director.  Sam was here to talk to us about Camp Enterprise.  Camp Enterprise is an extensive three-day camp offering up to 120 high school students the opportunity to participate in leadership activities focusing on the free enterprise system.  The 3 day entrepreneurship experience introduces students to the free enterprise system by presenting groups of 6-8 students with the challenge of imagining a new business, planning it and, finally, presenting the business idea to a panel of judges, ala the Shark Tank TV show.  Each team has a volunteer business mentor to advise them as they develop and present their business plan.  Groups with exceptional business plans are eligible for $1,000 scholarships.  Although every group can’t win a scholarship, all groups benefit by building self-confidence and by networking with business leaders.  As you can imagine, volunteers are critical to the success of the program.  About 80 Rotarians donate time in a variety of roles.  Business mentors, venture capitalists, marketing professionals and essay readers work very hard to make Camp Enterprise a great introduction to entrepreneurship for the next generation of business leaders. Sam and Jason are shown below.


Jason Slama opened the meeting with the Pledge of Allegiance and Nils Friberg gave the invocation.
Todd Kruse announced a Chamber lunch seminar on mental health in the workplace.  The seminar is a collaboration between NAMI Minnesota (National Alliance on Mental Illness) and the Twin Cities North Chamber of Commerce.  For more information or to register, click here.
Nils Friberg presented Jeff Benson with his Paul Harris Fellow +6, signifying more than $7,000 in contributions to the Rotary Foundation.  Jeff said that the Rotary Foundation offers the "Best Bang for the Buck" for his charitable giving and he knows that Rotary distributes money in ways that he agrees with.  Nil and Jeff are shown below.
Cor's father passed away recently.  Our thoughts and prayers are with Cor and her family.
Gerry reminded us of the NBMV Rotary Holiday Party at Beverly Aplikowski's home on January 13th, 6-11PM.  If you have not registered or declined, please contact Gerry ( or 651-324-6761) ASAP so he can get a firm head count for ordering food.  If you are coming, don't forget a White Elephant for the exchange.  Please DON'T bring hors d'oeuvres, as there will be plenty of food.
Gerry also reminded us that the District 5960 Mid-Term/Summit meeting will be held at Hamline University on Saturday, January 14th, 8:45AM-2:30PM.  All Rotarians are encouraged to attend, particularly Club Presidents, Presidents-Elect and Board Members, Assistant Governors, and District Leadership.  For registration and other information, click here.
Cindy Carlson said that the Gold Plate Dinner planning committee will meet on Tuesday, January 10th, 11:30AM at the Exchange.
Our speaker was Mark Lampman, speaking about viral diseases.  Many people don't know that Mark has a degree in microbiology, so disease processes are a lifelong interest.  The list of diseases caused by viruses is extremely long, including:   Hepatitis A, B And C, Herpes, German Measles, Influenza, Rabies, Common Cold, Mumps, AIDS/HIV, Mononucleosis, Meningitis and Polio, among many others. 
Of course Polio is of great interest for Rotarians as we continue the fight to eradicate it completely.  Rotary has partnered with the World Health Organization, Centers for disease Control, Unicef, and the Bill and Melinda Gates Foundation to put an end to Polio, once and for all.  According to Mark, it may take up to 15 billion dollars to accomplish the goal, but Polio's days are numbered.
The viral diseases listed above show that Polio is certainly not the only major health threat caused by viral infection, and new viruses are being identified each year.  Other threats include the mutation of viruses to more virulent strains and re-emergence of previously conquered viruses because of indifference or unfounded fears about side effects of vaccinations. 
So what can we do?  The old advice is still the best...wash your hands frequently with soap and water.  Antibacterial soaps and gels are no more effective than soap and water and, in fact, The Mayo Clinic recommends against the routine use of these products because they can lead to development of resistant strains.  Mark also recommended using masks when you are sick or caring for sick people.  He even handed out some masks to help keep us aging Rotarians healthy this winter!   Mark is shown (masked) below.
Mark Beisswenger called the meeting to order with the Pledge and Invocation.
Garry Johnson introduced his guest, Brian Daniels.  Brian is Garry's District Manager at Farmer's Insurance.
We welcomed Todd Kruse back from his teaching leave and Bev Aplikowski back after leg problems had prevented her from attending.
Dave Hoel reported that he is making rapid progress in his recovery from breaking his leg while skiing.
Gerry Tietz  has anointed Paul Fournier as "Club Entrepreneur" to spearhead the search for sustainable fundraising opportunities for our club.
On behalf of the Club, Geoff Hollimon presented a card and monetary gift to the Staff at the Exchange in appreciation for their excellent food and service.
Mark Beisswenger introduced our speaker, Gary Fredrick.  Gary is working to increase community awareness of Homes For Our Troops, a 501(c)(3) non-profit organization dedicated to building specially adapted homes for severely injured Veterans across the nation to enable them to rebuild their lives.  Disabled Veterans face many barriers as they attempt to reestablish themselves as active and productive community members.  One of the biggest challenges is finding affordable housing that meets the requirements of their particular disabilities.  Homes For Our Troops is working to provide mortgage-free homes for these Veterans.  Each single-level home is equipped with over 150 special adaptations such as widened doorways, lower countertops and roll-under cook tops and sinks to allow full wheel chair accessibility.  Gary said that, nationwide, 229 mortgage-free homes have been provided so far and 82 projects are in the planning or construction phase.  Gary described the application process as "very rigorous" and indicated that financial counseling is an integral part of the process.  Homes for Our Troops is privately funded, relying on the generosity of donors, with 70% of its operating budget coming from individuals and community groups.  Since its inception in 2004, fully 90% of those contributions have gone to Veterans, earning H.F.O.T. a top rating with Charity Watch, an audited charity watchdog.  The average cost of one of these specially adapted homes is $430,000, and with 1,900 service men and women dealing with life altering injuries, the need is great.  If you'd like to be part of the solution, click here for more information.  Mark John and Gary are pictured below.
Today's meeting was held at Risdall Advertising's amazing new space at County Rd. C and Long Lake Rd. in Roseville.  Many thanks to Ted, John and Glenna for hosting.
Mark Beisswenger led us in the Pledge of Allegiance and offered the Invocation.
Paul reported that his pacemaker battery is good for another 12 must be an Energizer!
Todd Kruse was back with us after teaching college on Tuesdays this fall. He was up at 2AM this morning to begin reporting final grades for this semester so he looked a little exhausted, but he seemed glad to be back from his leave.
Gerry Tietz announced three additions to his board of directors for his year as Club President, which starts July 1, 2017:
- Todd Kruse will serve as Membership Director.
- Bob Barmore will serve as Director of Administration.
- Jason Miller will serve as Foundation Director.
Thanks to these three and all the others that work together to make this club great.
Dave Hoel was back with us today after missing 3 weeks due to breaking his leg in four places while skiing in Colorado.  We missed you Dave.  It's great to have you back.
Cindy Carlson read a Christmas letter from Charifa and Maman, Nigerian students sponsored by some members of our club through the Remember Niger Coalition.  A copy of the letter and photos of the students are shown below.
Amy Janecek reported that the Irondale production of  The Littlest Mermaid received multiple awards from the Hennepin Theater Trust.  She also said that an Irondale student who had recently lost both parents received a car from the Minnesota Vikings Organization.  You can learn more by clicking here.
The group was polled to determine whether January 13th or 20th would be the better date for our Holiday party at Bev Aplikowski's home.  January 13th was selected by popular vote, without the need to call in the Electoral College.  Stay tuned for more details.
Today's program was our annual Irondale choir concert.  Led by director Jason Etten and keyboardist Steve Firkus, The Guyz Group and the Triple Trio women's ensemble each treated us to a song and performed together on another song.  As usual, they also led us in singing several Christmas carols.  President John Risdall presented a check to Jason, which is apparently already earmarked for a joint performance with Vocal Essence at the Ordway.  Our thanks to Mr. Etten and the choir for getting us started on the right foot for the Holidays. 


Mark Beisswenger opened the meeting with the Pledge of Allegiance and an Invocation.


Our lone guest today was Rotarian Frank Mabley from the Shoreview Arden Hills club.


Gerry Tietz announced that Todd Kruse has agreed to be our Club President for the 2018-19 Rotary Year.  He also announced that John Ordway and MaryAnn Bawden have agreed to continue as Treasurer and Secretary, respectively, for the upcoming 2017-18 Rotary year.


Several Rotarians commented on their conversations with David Hoel regarding his broken leg.  He's still taking pain killers, so he's a little groggy and tired at times, but he's getting gradually better and enjoys phone calls.  He hopes to be with us for next week's Irondale Choir Christmas Concert at Risdall Advertising's new location.  Glenna will be sending us an email with location and meal details.


Beverly has been dealing with pain from a leg problem which has prevented her from attending our meetings. Our prayers are with her as she recovers.  Garry Johnson has graciously offered to fill in for Bev as the leader of our Homeless Student Initiative.


Nils reported that Peg is receiving therapy to shrink her cancer by blocking estrogen from being absorbed by the tumor.  Nils and Peg are grateful for the support of the club at this difficult time.


Cindy Carlson is celebrating her 30th anniversary and Garry Johnson is celebrating his 39th.


Mark Beisswenger introduced our speaker, Detective Matt DeBoer.  Matt is a 18 year veteran of New Brighton's Police Department, with 3 years as a Detective.  Matt's topic was "Fraud".  Matt outlined the many types of  scams that criminals employ to fraudulently part us from our hard-earned cash.  Some examples are:

- Your grandchild is in jail... bail is needed immediately.

- Your loved one has been kidnapped in Mexico...ransom is required.

- Your student tuition is delinquent...send cash or get kicked out of school.

- Craig's List scams

- You've already won!!! Send cash to process the award.

- IRS delinquency...provide us with your personal information to resolve.

- Late regulatory payments or filings scam (D.O.T. , etc.)

- Renting unoccupied property without the knowledge of the owner.

- "Spoofing" - using fake phone numbers, email addresses  or web addresses to get private information.

- Credit card "skimming" to steal your credit card information at credit terminals or ATM's


Matt said that fraud is also very often perpetrated by friends or family of the victim, and that kind of fraud is often hard to prove and prosecute.  Vulnerable adults are also the most common target for fraud of all kinds.


Matt offered a few common sense tips to avoid being the victim of fraud.

- Any "immediate" need for "cash or money order" should arouse suspicion.

- Take the time to "Google" organizations before offering information or sending money.

- Don't give your personal information to anyone over the phone.  Reputable companies never ask for this information by phone.

- Maintain "control" of your credit cards at all times.

Matt, John and Mark are shown below.

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