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10 Affordable Places to Retire on the Water

Not one of Minnesota's 10,000 lakes made the list of "Affordable Places on the Water to Retire" by U.S. News and World Report.    Here's the magazine's top picks:

•Bella Vista, Ark.
•Bismarck, N.D.
•Cape Coral, Fla.
•Dover, Del.
•Dubuque, Iowa
•Fairhope, Ala.
•Lake Jackson, Texas
•Loveland, Colo.
•Richland, Wash.
•Traverse City, Mich.


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Toyota Commercial - Something I've Never Seen

The other morning during the TODAY Show (not cheap ad space) an ad ran for the Toyota RAV 4.  You know how some commercials portray "real people" or "tell stories?"  This ad featured a home care nurse, sharing how she drives a lot for her job.  And then it showed her driving in her new Toyota RAV 4 to one of her customer's homes - a senior woman.  I've never seen that portrayal in a major TV ad spot. 

Good job, Toyota.


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Tatoos for all Ages

Photo by Bruce Bisping, Star Tribune

"Getting a tattoo is just something I've always wanted to do; I've seen so many pretty ones," said Millie Gignac, 89, a former benefits director for Sperry Univac, founder of its retirees club and a volunteer for Dakota County social services and the Minnesota Historical Society. "At my age, I thought I'd better get going. After I got mine, the gal next door got one, too, on her back."

Her interest in tattoos might have seemed remarkable even 10 years ago, but no more.  Good for Millie.  Read more about Millie and "permanent milestones" this Minneapolis Star Tribune story.


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Transforming the Aging Experience by Eskaton

Aging is a movement . . .

Eskaton, which provides senior housing and services in Northern California, is Changing Aging in America.  For a great resource, we encourage you to download their new vision book:  Transforming the Aging Experience.  As Todd Murch, their president and CEO wrote to fellow transformationalists:

Unique from many other human conditions, aging does not discriminate.  It is as inclusive as it is inevitable.  So whether received as a conversation starter, a catalyst or an action plan, Eskaton's confidence in publishing "Transforming the Aging Experience" comes from the perspective that providing for a rapidly aging population is an economic, social, moral and timely imperative.


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Interior Design and Senior Housing Development - What Opportunity for Community Connections

There's a reason not just anyone does interior design in new Ecumen senior housing communities.  There is an art and science to the labor of love of design.  In this post in Ecumen's senior housing development blog, our interior design team member Jill Schroeder shares insights on going "local" to create better design and community.

Our interior design team members add a myriad of very creative, local touches, such as local ranch branding irons incorporated into the stairwells on our recent Idaho project, historic local photos seamlessly integrated throughout our rehabilitation center in Duluth, Minn., and local anglers and other perspectives in the new Trillium Memory Care Community for our client North Country Health Services in Bemidji, Minn. 


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2009 Purpose Prize Winners Announced by Civic Ventures

This year's winners of The Purpose Prize, a $100,000 award for social innovators in their encore careers, are using a new stage of life to do extraordinary things to improve life for millions of people worldwide.

They include:

  • A former telecom executive who helped wire an Appalachian county and brought laid-off factory workers back to profitable farming.
  • A professor who invented a way to transform toxic fly ash into green bricks.
  • A psychiatrist who helps saves soldiers' lives by offering free mental health treatment.
  • A former NASA exec who works to treat alcoholism in Native American communities by reviving old customs and traditions.
  • A couple who honor their son, killed on 9/11, by helping to bring mental health services to countries ravaged by terrorism, violence and war.

These people – and five other $50,000 winners – are social entrepreneurs over 60 who are using their experience and passion to take on society's biggest challenges. Now in its fourth year, the six-year, $17 million program is the nation's only large-scale investment in social innovators in the second half of life.

The winners and 1,000-plus nominees in 2009 underscore a trend in entrepreneurialism later in life. According to studies by the Ewing Marion Kauffman Foundation, the 55-64 age group is the most active in creating new ventures. Counter to stereotype, people ages 20-34, the study found, are the least entrepreneurial.

"More than ever, the problems facing our communities, our country and our world call out for creative solutions," said Marc Freedman, co-founder of The Purpose Prize and author of Encore: Finding Work That Matters in the Second Half of Life. "Fortunately, we don't run out of ideas as we age.

"Like so many others in this new stage of life between the end of midlife careers and the beginning of true old age, The Purpose Prize winners combine creativity, experience and passion with a desire to do something bigger than themselves," Freedman continued.

The Encore Careers campaign is run by Civic Ventures, a national think tank on boomers, work and social purpose. Funding for The Purpose Prize comes from The Atlantic Philanthropies and the John Templeton Foundation.

Sherry Lansing, CEO of the Sherry Lansing Foundation and former chair of Paramount Pictures' Motion Picture Group, chairs the jury that selected this year's winners. The 24 judges are leaders in business, politics, journalism and the nonprofit sector – including actor Sidney Poitier, social entrepreneur Thomas Tierney, former Senator Harris Wofford and journalist Cokie Roberts.

The winners and 49 Purpose Prize Fellows of 2009 will be honored at a Summit on Innovation on Oct. 31 – Nov. 1 at Stanford University's Graduate School of Business' Center on Social Innovation, one of the world's leading academic centers focused on social entrepreneurship.

The 300-plus attendees of the invitation-only event will hear a keynote address from Pulitzer Prize-winning columnist Ellen Goodman, and a panel discussion between William Damon (professor of education, director of the Stanford Center on Adolescence, and author of Nobel Purpose: The Joy of Living a Meaningful Life); Philip Zimbardo (professor emeritus, Stanford University, researcher behind the Stanford Prison Experiment, author of The Lucifer Effect and Time Paradox); and Laura Carstensen (professor of psychology, founding director of the Stanford Center on Longevity, and author of A Long Bright Future).

The Purpose Prize is a program of the Encore Careers campaign (www.encore.org), which aims to engage millions of baby boomers in encore careers combining social impact, personal meaning and continued income in the second half of life. The goal: to produce a windfall of human talent to solve society's greatest problems, from education to the environment, health care to homelessness.

Short summaries for all winners are below. Fuller summaries, videos and photographs are online at www.encore.org.


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A Monk's Tale

Father Timothy "Timo" Backous is a Catholic priest and headmaster of St. John's Preperatory School in Collegeville, Minnesota.  His blog is called A Monk's Tale.  He's one of those people who would fit in perfectly at Ecumen - compassionate, creative, community builder, passionate, humorous, committed, innovative, and empowering -.  His mother is dying of Alzheimer's. 

.... to the last and most important reality of this busy week: my mother is obviously dying and I'm fairly certain she won't be able to fend off any kind of flu bug this winter. She was diagnosed with Altzheimer's last March when stroke like symptoms began to diminish her overall health. She receives hospice care, spending most of her days in a hospital bed in her living room. My father is her doting and attentive care giver. When she speaks, she talks of rose gardens but today, as I sat next to her, she spoke of the garden of paradise...something I've not heard her mention until today.

She also claims the "Son of God is exploding" - an ominous sounding vision to say the least which I assume is nothing more than the product of her mental and physical deterioration. I have asked her if she's ready to die, wants to die and she responds with an emphatic "NO!" All of this is certainly ironic because just last November, she was part of the audience at one of my talks on end of life issues.

At that time, I had asked her if her "wishes" were in order and she, typical of us all, replied that it was not necessary at this time. She was always insistent that there were to be no heroic, unnecessary means of sustaining her life but never signed a document to make those wishes legal or binding. I'm happy to say that the treatment she receives is respectful of her humanity dignity but makes no pretense of curing or restoring her to health.

We keep her warm, fed, washed and loved until that time when her frail body can not sustain this earthly life anymore. People ask me if this is difficult and of course it is but I always add that we all have to face this time sooner or later and in a way we are lucky: there is no pain, no terrible disease, no suffering. We have been able to say almost daily how much we love her and what a great mother she is to us. Many among us are not so fortunate.


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Take Survey for Communities for a Lifetime Legislation in Minnesota

The Minnesota State Board of Aging seeks your opinions via this survey on how the State of Minnesota should publicly recognize Communities for Lifetime initiatives in Minnesota.  This is in response to new Communities for a Lifetime legislation passed by the State Legislature in 2010.

The Board on Aging will use the results of this survey for a Report to the Legislature on options for Minnesota to adopt a Communities for a Lifetime (CFL) recognition program.  The survey takes about 10 minutes or less and will close on WEDNESDAY, OCTOBER 28, 2009.


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Big Insurers - The New Big Tobacco

I've always wondered which industry could take over tobacco's spot as America's most reviled.  Found it:  Insurers.  Although there are a lot of good people who work in insurance, the big insurers' trade association leaders are killing the profession's reputation.  Unless their "leaders" meaningfully come to the table in this health care discussion, they're going to have a lot of work to do to enhance how people view them nationally. 

Here's one such example from long-term care, that illustrates tone deafness occurring in the  insurance industry right now.  So the American Concil of Life Insurers (ACLI) led by former Oklahoma Governor Frank Keating has been blasting the Community Living Assistance Services and Supports Plan (CLASS).  A few excerpts from a letter Keating wrote to Secretary of Health and Human Services Kathleen Sebelius:

ACLI:  ACLI supports the goal of the CLASS Program to help adults with severe functional impairments obtain the services and supports they need to maintain their independence, while providing them with choices about community participation, education and emploument.

Ecumen:  Appreciate your support of the goals ACLI.  Then work with senior services and disability advocates and others to include the CLASS Plan in health care reform.

ACLI:  However, we are concerned that the $50 a day benefit provided to workers would be wholly inadequate to cover the full cost of their potential long-term care needs. 

Ecumen:  From the outset this was never designed to pay for everything.  It sure would help to get an extra $18,000+ per year, though wouldn't it? I It also might make people more likely to buy a supplement policy from one of your members for full coverage.  Geez, you've been selling this product for 30 years and it's still fledgling with 5% pick up nationally.  Let's try something different - it could get you more sales - and empower people to live better lives.  And it would lead to authenticity in your organization's tagline:  Financial Security.  For Life.

ACLI:  CLASS Act enrollees may well avoid exploring long-term care insurance, only to be surprised how little coverage they have at their most vulnerable moment.

Ecumen:  And that's different from today or the 29 years prior that you've been selling the product?  See note on supplemental policies above.

ACLI:  Moreover, the CLASS Act is actuarially unsound.

Ecumen:  The Congressional Budget Office estimates that the CLASS Act’s net effect on the federal budget would be
to reduce the budget deficit by about $74 billion during the 2010–2019 period.4 These estimates are based
on an average monthly premium of $123 and a cash daily benefit of $75 for life, with no underwriting, that
preserves the program’s solvency for 75 years. It also assumes the premium amount would not change
once an individual enrolls, however the benefit payment would rise each year with inflation. The CBO also
estimates a reduction in Medicaid spending over 10 years because some individuals who would receive
CLASS benefits would otherwise have had Medicaid pay for those long-term services and supports. The
estimated reduction in the federal budget deficit over the 10 year period is the result of the five-year vesting
requirement; the payout of benefits would not begin until 2016, five years after the initial enrollment in 2011.

Mr. Keating, please become part of the solution and grasp opportunites in the CLASS Plan:  There can be a great deal of common ground here.  You can increase your members' 5% sales rate, improve people's lives and enhance your industry's reputation at the same time.  There's still time for you to write another letter . . .

For more on the CLASS Plan, go to this forum held in Washington, D.C. recently by the Kaiser Family Foundation.


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What Makes a Great Place to Work?

Today we celebrated the honor of being named for the 5th straight year a "Best Place to Work" by the Minneapolis/St. Paul Business Journal.  What I especially like about this celebration is that we share stories of why we work here and what we do to make lives better from around Ecumen via videoconference.

Stories make things much more real.